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•T he IFP• H alton H ills, Tuesd ay, January 8, 2013 5 ASK A QUESTION, GET AN ANSWER FREE EMAIL asykes@theIFP.ca to submit your question confidentially. Ask the Professionals "One day your life will flash before your eyes. Make sure it's worth watching." ~ Unknown Q: What is the difference between a nursing home and a retirement home? A: Long Term Care (LTC) or Nursing homes are mostly for seniors who have significant health care issues and generally require higher care levels than retirement homes. They are partially funded by the government and offer a range of accommodations from ward to private rooms. Applications for LTC need to be submitted through Community Care Access Centres (CCAC). Retirement homes, on the other hand are almost always chosen depending on a senior's needs and personal preferences. With flexible lifestyle options, retirement residences let you choose which services you need, which services you want, how to spend your time, and with whom to spend it. They take the work and worry out of day-to-day living. Each retirement home reflects the personality and style of those who own and operate it. Look for the best -- look for the warmth, personality and accommodation style that best meets your needs and preferences. COACHING AND COUNSELING SERVICES 905-873-9393 info@coachmanon.com Ph.D. Q: Can you please explain the benefits of a spousal RRSP? A: If you have a spouse (married or common-law) you can contribute to a spousal RRSP. Use of a spousal RRSP is a method of income sharing at retirement. The idea is to build two pools of savings, one for each spouse that will produce similar income streams at retirement. The taxes paid on the two incomes will likely be less than those paid if the income were to be taxed in the hands of one spouse in a higher tax bracket. The more income that can be generated by the spouse in the lower tax bracket, the better the tax savings. Income sharing is particularly beneficial when one spouse will have substantial income from pensions and other sources, and the other spouse will have little or none. Some people are concerned that it might be risky to invest in a spousal RRSP. What if we divorce, or if my spouse dies? In most situations, if you divorce, RRSP's and pensions will be split. If one spouse dies, RRSP's can be transferred tax-free to the remaining spouse provided that the spouse was named beneficiary of the RRSP plan. Depending on your situation, a spousal RRSP can be an effective way to reduce the amount of tax you pay in retirement. Call me today and I can help you decide if a spousal RRSP is right for your family. Christoph Summer Owner/Administrator 222 Mountainview Rd. N. Georgetown, ON L7G 3R2 Bus: 905-877-1800 Fax: 905-873-9083 www.mountainviewresidence.com Mountainview Residence & Terrace owned and operated by the Summer family Susan Mundy Sun Life Advisor 60 Gillingham Drive, Suite 500, Brampton, ON L6X 0Z9 905-451-6031 ext. 2263 Email: susan.mundy@sunlife.com Q: I understand the importance of exercise but I don't have the money to pay for a personal trainer or a gym membership. What should I do? A: We have access to one of the best gyms in the world, the outdoors! Especially with the great weather in the summer, there are many outdoor activities to consider .... walk, skip, run, bike, swim, ride, kick and play as long as you can! Set aside the time and can stay committed. And there's the challenge. Many people feel they are too busy, have limited time after work or on weekends and can't maintain a routine. 20-30 minutes of exercise has huge health benefits and must be made a priority. It doesn't have to be at the expense of family, be boring or painful. Involve your family and plan outdoor activities together - go to a park or a walk on a trail.. there's lots to do and the whole family can have fun. Friends can be company or competition - both can get you going and help to keep an activity regular. Golf is a great activity especially if you choose to walk the course. Gardening and cutting grass are active exercise as well, and you'll also feel good about getting things done! These are all low cost, easy to access and fun! Remember with our hot summer, wear lots of sunscreen, bug spray, hats, and drink lots of water. Beware of heat stroke and sunburns. Finally, it doesn't have to be painful especially as you get started. Start slow, remember to warm up, cool down and stretch. Talk to your physiotherapist for more details and enjoy! JENNI VENERUZ 324 Guelph St., Georgetown Halton Gate Plaza 905-702-7891 InFocus Rehabilitation Centre Inc. Inspire Your LIfe A Coaching Group for Women Sign up today. Space is limited. To Register Call: 905-873-9393 or Email: info@forgecoachingandconsulting. com Start off 2013 with the power and focus to drive your life forward. This six week group coaching program will guide you to look inside yourself and generate goals and solutions that fit your Vision, Passion, and Values. Your coach, MANON DULUDE Ph.D, brings 25 years of extensive experience with individual, leader- ship and team development coaching to this program. Starts: Thursday, January 17, 2013 Time: 7:30 to 9:00 pm Location: 38 Oak Street, Georgetown Cost: Early Bird $299.00 + HST After January 9th, 2012 $400.00+HST Assess your life Reconnect with your needs Make choices that nurture you Be part of a community of powerful and successful women Energize your life Commit and focus on your goals Progress on your career path DISCOVER HOW A COACHING GROUP FOR WOMEN CAN HELP YOU: 79 Main Street South, Georgetown 905-877-3388 LUNCH BUFFET SERVED THURSDAY & FRIDAY 11:30 am to 2:00 pm $11.50 HST INCLUDED Private Catering Available - Roast Beef - Baked Ham - Scalloped Potatoes - Assorted Salads - Dessert Table - Tea & Coffee Roast Beef Featuring: POWER PLANT ~ LIVE ENTERTAINMENT ~ Rock N' Roll Imposed contracts 'demoralizing', says teachers' union president Approximately 5,000 Halton public high school and elementary teachers and education support workers returned to classes on Monday with contracts imposed on them. Education Minister Laurel Broten an- nounced last Thursday that the provin- cial government will be using its powers through the controversial Bill 115 (Putting Students First Act) to impose contracts on public school teachers across Ontario. Broten will also repeal Bill 115, saying it has now served its purpose. She admitted the bill has led to labour strife, including public elementary teachers holding one- day rotating strikes. Elementary and sec- ondary school teachers have also boycot- ted extracurricular activities. "We're removing that barrier and we're very, very hopeful we'll see the return of extracurricular activities," Broten said at a news conference at Queen's Park. The bill affects approximately 120,000 members of the Elementary Teachers' Fed- eration of Ontario (ETFO) and the Ontario Secondary School Teachers' Federation (OSSTF) across the province. The Ontario English Catholic Teachers' Association (OECTA) negotiated a contract with the Province last summer, while the Canadian Union of Public Employees (CUPE) mem- bers have been given a deadline of Jan. 14 to ratify a contract that was hammered out during 30 hours of negotiations over the holidays. CUPE represents approximately 55,000 school support workers in Ontario. The contracts imposed on ETFO and OSSTF members will mirror the deal ne- gotiated by OECTA. The contracts will freeze wages for most teachers, but will allow younger teachers to continue moving up the salary grid (re- fl ecting gains in years of service and quali- fi cations). The contracts will cut sick days from 20 to 10 and end the banking of un- used sick days, which could be cashed-out at retirement. Both the ETFO and OSSTF provincial presidents have responded unfavourably to the imposed contracts. Locally, the message was no different. "It's demoralizing to all education work- ers, not only teachers," said Debbie Majka, president of the OSSTF District 20 (Hal- ton) Offi ce Clerical and Technical bargain- ing unit, in response to Broten's announce- ment. "It's unfair that she is legislating goodwill by imposing contracts and indi- cating her intent to repeal the bill. The only true repeal of the bill is restoration of our collective bargaining rights under the La- bour Relations Act. That's what we want. We want our collective bargaining rights back. We don't want to have contracts im- posed on us." Majka said goodwill cannot be legislat- ed through imposed contracts. "We're extremely disappointed the min- ister decided to go that way," said Marg Macfarlane, ETFO Halton president. "Sam (Hammond, ETFO president) offered an alternative to immediately imposing con- tracts, that would allow us to work with the new premier and to hopefully come to a mutually agreeable place as opposed to going this way where things are imposed and certainly people aren't going to be hap- py about that." With contracts in place, the unions will no longer be in a legal strike position. It is unknown at this time how either union will respond. Macfarlane said both the ETFO and OSSTF are holding provincial meetings on Jan. 9 to discuss the situation. Further- more, the unions are still waiting to get the full details of the contracts. 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