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Peterborough singer-songwriter Mark Beatty’s take on love wins Don Skuce Memorial Music Collective songwriting contest

Peterborough singer-songwriter Mark Beatty's song "If You Know About Love" has won the latest round of the Don Skuce Memorial Music Collective songwriting contest. (Photo supplied by Mark Beatty)

If patrons of the Peterborough Musicians Benevolent Association show this Saturday afternoon (August 20) at Dr. J’s BBQ & Brews in downtown Peterborough detect some extra spring in Mark Beatty’s step, there’s a simple explanation.

Beatty, who will front his band House Brand at the monthly live music showcase, recently learned he is the fifth round winner of the Don Skuce Memorial Music Collective songwriting contest.

One of 20 entrants in this round, Beatty’s original song “If You Know About Love” caught the judges’ attention in a big way and, as such, will now be recorded by Peterborough producer James McKenty before being sent for final mixing and mastering by Greg Wells at his Los Angeles-based Carousel Studios.

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Wells, a Peterborough native and Grammy Award-winning record producer, founded the collective and its associated songwriting contest in 2020 with his longtime friend and musician John Crown.

The concept was simple: support Peterborough musicians in much the way that the longtime owner of Ed’s Music Workshop did for decades before he died in June 2018 at age 66 after a long battle with cancer.

Since launching the initiative, nine songs have now been chosen for the full Wells’ treatment — a service that would cost local musicians thousands of dollars otherwise and, for all intents and purposes, be well out of reach. Once Wells has done his thing, each musician retains full rights to, and ownership of, his or her recorded song to do as he or she pleases.

Beatty, who also performs solo (most recently at the Black Horse Pub), says the message of his winning song is “love is work, but it’s good work.”

“You’ve got to take the good with the bad, push through it and work together,” Beatty explains. “I believe love is an action. It’s not a noun. It’s an action word. Love is something that you have to do.”

AUDIO: “If You Know About Love” by Mark Beatty

If you know about love you know talk is cheap,
If you know about love you know the lies are deep,
If you know about love you can help me sing this song,
If you know about love you know right is sometimes wrong.

If you know about love, if you know about love, if you know about love you know about me.

If you know about love you know about give and take,
If you know about love you know there’s promises you make,
If you know about love you take the ups with the downs,
If you know about love you know it always comes back around.

If you know about love, if you know about love, if you know about love you know about me.

If you know about love you know time is on your side,
If you know about love there is nothing you can hide,
If you know about love there’s a smile upon your face,
If you know about love nothing and no-one can take its place.

If you know about love, if you know about love, if you know about love you know about me.

The Don Skuce Memorial Musician's Collective is the brainchild of music producer and Peterborough native Greg Wells (middle) who, along with fellow musician and long time friend John Crown (right), shaped the concept into reality. Local producer James McKenty (left) records most of the winning songs free of charge before sending them to Wells for final mixing and mastering in his Los Angeles studio.(Photos by Wayne Eardley except for Greg Wells)
The Don Skuce Memorial Musician’s Collective is the brainchild of music producer and Peterborough native Greg Wells (middle) who, along with fellow musician and long time friend John Crown (right), shaped the concept into reality. Local producer James McKenty (left) records most of the winning songs free of charge before sending them to Wells for final mixing and mastering in his Los Angeles studio. (Photos by Wayne Eardley except for Greg Wells)

For his part, Wells says Beatty’s song “just felt great from the very first bar.”

“It felt like (a type of song) we had not already picked (in previous judging rounds), so that made it stand out. But I could tell he really knows what he’s doing. It’s beautiful — it’s really moving.”

“This (contest) isn’t about ‘It’s the best song and all the other songs are bad’,” Wells notes. “That’s not at all what I’m saying. I’ve had trouble picking one song in the past. At one point I picked three songs. John (Crown) has kind of forced me to pick one. Mark’s song is a standout for lots of reasons. I really look forward to hearing what the final version of it becomes.”

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Beatty, who has entered each round of the contest, admits that submitting an entry “is so hard for me.”

“I’ve written more than 3,000 songs. Most of them are crap — they kind of have to be, right? So I’m not always the best person to judge what is good. (Peterborough musician) Bobby Watson says there are two kinds of songs: there are good songs and there are bad songs. If somebody likes something you’ve done, you can say ‘Hey, that’s a good song.'”

Beatty’s first impression of “If You Know About Love” was “it was OK,” adding that if he spends more than five minutes on a song and it doesn’t feel it’s going anywhere, he sends it to the scrap pile.

“Songwriting should never be work,” Beatty says. “I don’t get really artsy fartsy about my songwriting. I’m very matter of fact about it. People say ‘Oh, you’re born with a talent for this.’ Well, yeah, maybe so but someone else has a talent for fixing cars. Everyone has a certain thing they’re good at.”

VIDEO: “Must Be The Gypsy in Me” by Mark Beatty performed by House Brand

If you’ve guessed that a guy who has written some 3,000 songs has a method behind his madness, you guessed right. Beatty says his approach is not unlike that applied by Andy Partridge, formerly of the English rock band XTC.

“I watched a documentary on him and he was describing how he writes songs,” Beatty recalls. “When he got to that part, my girlfriend and I looked at each other and it was like ‘That’s what I do.’ The term that he (Partridge) uses is synesthesia. The best way I can describe is it’s kind of like Rorschach for the ears. Sometimes I’ll put my fingers on the fret board on my guitar and go ‘Oh, that’s an interesting sound I just created there.'”

“Then I might find another chord that goes with it. That starts to conjure up images because you get a feel. If it’s a minor chord, it’s ‘OK, this is going to be sad or angry or something.’ It lets you do like a stream of consciousness thing. It lets images and words and phrases bubble up. That’s kind of how I wrote this song.”

Call it what you want but it’s worked for Beatty, who self taught himself to play guitar in his early teens. He recalls “These things started coming out of me. I was like ‘Hey, I really like this.’ I found something that worked for me. (Late Peterborough musician) Buzz Thompson was my cousin, so you could say this (music) is in my blood a bit.”

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Not unlike Wells, Crown, and a host of Peterborough musicians past and present, Beatty has nothing but good memories of his encounters with Skuce, a guitar luthier and musician who always made the time to help musicians who wandered into his store at the corner of Park and McDonnel streets. Like many people, Beatty too has a “funny Don story.”

“I had one of the original Ovation guitars when they first came out back in the ’70s,” he recalls. “It had an accident. The head stock got completely decapitated from the guitar. The guitar fell down some stairs and it severed right off.”

“So I took it Don. He looked me and said ‘You know what you do with this? You take the guitar and you cut the top off it and it’s an excellent oil pan for your car.’ I’m was like ‘That’s not funny.’ We always joked about that when I saw him.”

The Don Skuce Memorial Music Collective was created in 2020 to honour Don Skuce, the longtime owner of Ed's Music Workshop in Peterborough and highly reputed guitar luthier who died in June 2018 at age 66 after a long battle with cancer. (Photo: John Gearin)
The Don Skuce Memorial Music Collective was created in 2020 to honour Don Skuce, the longtime owner of Ed’s Music Workshop in Peterborough and highly reputed guitar luthier who died in June 2018 at age 66 after a long battle with cancer. (Photo: John Gearin)

Two years in, Well says despite the vast distance from Los Angeles to Peterborough, he still feels “as connected to the whole thing as I did the night I was talking to John (Crown) on the phone coming up with this concept.”

“I think about Don all the time. I have pictures of him in my recording studio. I have a picture of him under the Telecaster — his favourite guitar that he let me buy from him in the last year that he was alive. His spirit is a big one and it’s around a lot of people.”

“Don, like me, got excited about people doing music. It’s that simple. It’s got nothing to do with anything else other than people listening to music, watching people playing music, or trying to play music. The world is definitely a better place with music in it. Don was all about that.”

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Wells says he’s toying with the idea of producing a compilation album feature contest-winning songs at some point, or at least a streaming playlist.

“I’d love there to be celebration like ‘Look at what we’ve compiled — amazing, local songwriters and artists.’ I’m not trying to do that, but I’m thinking in my head what song is going to complement what we already have. That’s part of what I’m listening for.”

In the meantime, the next round of the songwriting contest is now open with the submission deadline being midnight January 31, 2023. The winning entry will be revealed exclusively by kawarthaNOW on February 15, 2023.

Entry details, as well as audio recordings of each round winning song to date, can be found at donskuce.com where entrants can also upload their MP3 file entries.

Peterborough mayor Diane Therrien’s f-bomb tweet goes viral

Peterborough mayor Diane Therrien appeared on The Dean Blundell Show on August 17, 2022 to speak to the reaction to her f-bomb laden tweet about the Romana Didulo followers who tried to 'arrest' Peterborough police officers the previous weekend. (kawarthaNOW screenshot)

Peterborough mayor Diane Therrien’s f-bomb laden tweet in response to Saturday’s incident at the Peterborough police station has gone viral.

On Tuesday (August 16), Therrien commented on the incident, which saw a group of around 30 followers of self-proclaimed “Queen of Canada” Romana Didulo arrive at the police station with the intent of “arresting” police officers — only to see three of their group get arrested and police seeking two other suspects in an assault on a counter-protester.

“I hate giving airtime/spotlight to these imbeciles,” Therrien wrote in part on her personal Twitter account. “Here is my comment: fuck off, you fuckwads.”

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By Wednesday afternoon, that tweet had received almost 16,000 likes, over 2,500 retweets, and over 1,800 quote retweets, with “Mayor of Peterborough” trending on Twitter in Canada and the story appearing on the home page of Reddit. As well as local media, the National Post, CTV News, the Toronto Sun, BlogTO, and more have reported on the tweet. She was also interviewed by guest host Susan Bonner on CBC Radio’s As It Happens.

This is not the first time Therrien’s tweets have attracted national attention. In April 2021, when Lanark-Frontenac-Kingston MPP Randy Hillier and People’s Party of Canada leader Maxime Bernier travelled to Peterborough to attend an anti-lockdown rally while Ontario was under a stay-at-home order, Therrien tagged both politicians in a photo of herself with the caption “Stay TF home” — with TF a common abbreviation for “the fuck.”

As with Tuesday’s tweet, the “Stay TF Home” tweet resulted in a range of reactions either supporting Therrien or criticizing her for her choice of language. It led in part to former Peterborough mayor Paul Ayotte filing a complaint against Therrien for contravening the City of Peterborough’s code of conduct and the city’s social media policy. The city’s integrity commissioner later exonerated Therrien in a 24-page report.

On Wednesday afternoon, Therrien was invited on The Dean Blundell Show on YouTube to speak about the reasons for Tuesday’s tweet and the reaction to it. Caryma Sa’d, who covered the Saturday incident in Peterborough on social media, was also a guest.

“There were some people who were so offended by that — the same people who fly the ‘Fuck Trudeau’ flags,” Therrien said, referring to her Stay TF home tweet from last year.

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“I have a master’s degree. I can talk to you in a scholarly fashion when I need to, but this is not a group of scholars we’re dealing with,” she added, referring to the participants in Saturday’s incident. “It’s been over two years of this kind of protest … these people come to Peterborough, or Ottawa, or wherever it may be, with the explicit stated intent to cause disruption, to cause harm to people, to disrupt our downtown, to arrest our police officers, to prevent people from living their normal daily life.”

“These people exist in this delusional world, exacerbated by this sense of entitlement, because they’re not used to be called out for their bullshit. Frankly, not enough politicians call them out on their bullshit. We’re all somehow afraid to drop an f-bomb.”

“It’s lunacy that these people would come to Peterborough to try to arrest our police officers and then be upset that there are consequences for their actions,” Therrien said. “That’s a long way of saying that’s where the tweet came from. I did not anticipate this level of interest in it.”

“You’re front page news,” Blundell replied. “You know when they play the breaking news sounder? It’s like you expect something major to come. It was like ‘Breaking news! Peterborough mayor insults an entire group of idiots.'”

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“Peterborough is such a fabulous community of progressive people,” Therrien said. “Progressive people are in Peterborough but we get dragged down by these dimwits who are pushing these wild conspiracy theories and this ideology that they’re somehow oppressed when they’re not.”

“So it’s not only embarrassing, it’s infuriating because again it does damage to the city, not just our reputation but to our businesses, to families that want to come downtown but feel unsafe because they know that these people are going to be maybe blockading the street or doing whatever insane behaviour they’re doing.”

Asked about when she realized what was happening on Saturday, Therrien said she was aware of the planned protest as a member of the police services board, and was receiving updates from the police while she had family visiting her on the weekend.

“My assistant Deborah … she said ‘People are asking you to comment’, and I don’t think this tweet was what she had in mind. But she also knows me well enough to know that this was the likely scenario.”

Therrien also talked about the negative reaction to her tweets, with Blundell referring to the “hypocrisy” of Tom Marazzo, an organizer of the so-called Freedom Convoy who ran as the Ontario Party candidate for Peterborough-Kawartha in the last provincial election, who called Therrien an “unhinged bully” on Twitter because of the language in her tweet.

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“They don’t like women generally, and especially women that have an opinion, and that’s how it manifests,” Therrien said, something that S’ad agreed with.

“Fundamentally they are authoritarian and regressive, and that shines through whenever there is push back,” S’ad said.

“I think it’s very telling that the three progressive women councillors in Peterborough — myself included, councillor (Kim) Zippell, councillor (Kemi) Akapo — none of us are running for re-election,” Therrien said. “We have no support from our male colleagues for the most part and that’s a broader trend that we’re seeing throughout Canada. Young women want to be involved, but it’s an immense load to carry, and you feel largely alone while you are doing it and you don’t have support.”

Apart from the negative reaction to her tweet, which included a man calling her a “whore” in an email, Therrien said people have been mainly supportive.

“People have been super supportive of this tweet and saying ‘Thank you for being authentic’ and ‘Thank you for caring about the community’, and ‘Thank you for being an honest politician’, and the fact that is such a foreign concept is problematic.”

‘Screwball Comedy’ at Bobcaygeon’s Globus Theatre an homage to zany comedies of 1930s

In the Globus Theatre production of Norm Foster's "Screwball Comedy," Katherine Cappellacci plays a plucky woman trying to break into the male-dominated world of newspaper journalism in the 1930s in competition with Jack Copland as an arrogant ace reporter. The play runs for 11 performances from August 17 to 20 at the Lakeview Arts Barn in Bobcaygeon. (Photo: Rebecca Anne Bloom / Globus Theatre)

For the final play of its 19th summer season, Globus Theatre in Bobcaygeon is presenting acclaimed Canadian playwright Norm Foster’s homage to the zany comedies of the 1930s, appropriately entitled Screwball Comedy.

The play opens on Wednesday (August 17) and runs for 11 performances until August 27 at the Lakeview Arts Barn at 2300 Pigeon Lake Road in Bobcaygeon.

Set in 1938, the play follows newly laid-off perfumier Mary Hayes as she tries to break into the male-dominated world of newspaper journalism.

Fed up with the lacklustre results from his star reporter Jeff Kincaid, editor-in-Chief Bosco Godfrey sets up a competition between the egotistical Jeff and the plucky Mary. He assigns both of them to cover the society wedding of Chauncey Diddle. If Jeff writes the better story, he gets to keep his job. If Mary wins, she will replace the ace newshound.

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Screwball Comedy stars returning Globus actors Katherine Cappellacci (That’s Amore) as the budding reporter hoping to make a name for herself, Sarah Quick (Real Estate, Buying the Moose, Knickers! A Brief Comedy, Funny Farmers, Shirley Valentine) and James Barrett who perform a cast of secondary characters, and Jack Copland, a newcomer to the Globus stage, as the star reporter.

The play is directed by Barrett, who is also Globus’s artistic producer and has directed and performed in a long list of Globus productions including Meet My Sister, The Three Musketeers, Do You Take This Man?, Fanny Hill, Educating Rita, Kitchen Witches, Talking Heads, Knickers! A Brief Comedy, The Woman in Black, Glorious, The 39 Steps, Harvest, ‘Till it Hurts, The Men Commandments, Shirley Valentine, and Stones in His Pockets.

Globus veteran Mark Whelan, who is the play’s assistant director, says the play is full of snappy period dialogue and outrageous characters and humour.

Globus Theatre founders Sarah Quick and James Barrett in a scene from Norm Foster's "Screwball Comedy."  Quick and Barrett, who also directs the play assisted by Mark Whelan, perform a cast of secondary characters.  (Photo: Rebecca Anne Bloom / Globus Theatre)
Globus Theatre founders Sarah Quick and James Barrett in a scene from Norm Foster's "Screwball Comedy." Quick and Barrett, who also directs the play assisted by Mark Whelan, perform a cast of secondary characters. (Photo: Rebecca Anne Bloom / Globus Theatre)

“I love this play because of the language of the period,” Whelan explains. “We’re revisiting the era of big band, fedoras, Babe Ruth, radio dramas, and high-stakes newspaper competition. Audiences can expect laughter and frivolity on this nostalgic journey through time to the style, wit, and optimism of the 1930s.”

Screwball Comedy will be performed at 8 p.m. from Wednesday, August 17 to Saturday, August 20 and again from Tuesday, August 23 to Saturday, August 27, with additional matinee performances at 2 p.m. on Saturday, August 20 and Thursday, August 25.

A optional three-course table d’hôte menu is available at 6 p.m. prior to every evening performance (reservations required). All dinners are now sold out, although a waiting list is available and theatre-only tickets are still available for all dates.

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Tickets are $42.50 for the show only, or $85 for dinner and the show (all dinners are now sold out). To get your tickets, call the box office at 705-738-2037 or order online at www.globustheatre.com.

Globus Theatre is a registered not-for-profit charitable organization mandated to provide professional theatre to residents and visitors in the Kawartha Lakes, making top quality Canadian theatre accessible to all.

Peterborough chamber announces business award finalists and businesswomen of the year recipients

For the first time since the pandemic began, an in-person awards ceremony will be held for the 2022 Peterborough Business Excellence Awards. The awards ceremony will return to Showplace Performance Centre in downtown Peterborough on Wednesday, October 19. (Photo: Peterborough and Kawarthas Chamber of Commerce)

The Peterborough and the Kawarthas Chamber of Commerce has announced the finalists for the 19th annual Peterborough Business Excellence Awards and the recipients of the Businesswoman of the Year awards, with an in-person awards ceremony to be held this fall for the first time since the pandemic began.

Once again, the chamber is partnering with the Women’s Business Network of Peterborough to present the Businesswomen of the Year Awards and with the Peterborough County Federation of Agriculture to recognize the Peterborough County Farm Family of the Year.

The 2022 awards event will take place in person on the evening of Wednesday, October 19th at Showplace Performance Centre in downtown Peterborough, with a pre-show party at The Venue. Tickets for the in-person event, which will also be livestreamed for free on YouTube, are available for $50 (plus HST) until September 19, and $60 (plus HST) thereafter. Tickets are available at pkexcellence.ca/tickets.

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Awards will be presented in move than 20 categories, including the prestigious Business Citizen of the Year award.

Along with the finalists for the Peterborough Business Excellence Awards, the recipients of the Women’s Business Network of Peterborough Businesswomen of the Year Awards have been announced: Brenda Ibey of Avant-Garden Shop for entrepreneur and Alicia Dafoe of Village Dental Centre for organization.

The chamber also announced the recipients of its annual 4-Under-40 Profiles (Dr. Nicole Edgar of the Peterborough Centre of Naturopathic Medicine, Michael Gallant of Lett Architects Inc., Chad Hogan of Market Hall Performing Arts Centre, and Caitlin Smith of ReCreate Space), the recipient of this year’s New Canadian Entrepreneur of the Year Award (Faheem and Fardos Mohammadzada, owners of Brothers Pizza), and the recipients of the Business Student Leadership Prizes (Jehan Mahboob of Trent University and Aiden Rice of Fleming College).

Here is the complete list of award finalists, in alphabetical order, and the already announced awards:

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Business Citizen of the Year

  • To be announced at the awards ceremony

 

Entrepreneurial Spirit

  • At the Lake Distributing
  • Organized by Design
  • Suzi Home Maker

 

Skilled Trades

  • CS Remodeling and Renovations
  • New Beginnings Contracting Services
  • Studio of Hair Design

 

Tourism

  • Hutchison House Museum
  • Kidz Playland
  • Lang Pioneer Village Museum

 

Retail

  • Central Smith
  • Dan Joyce Clothing
  • Millbrook Mercantile

 

Marketing & Promotion

  • Peterborough Humane Society (Our Pet Project)
  • Peterborough and the Kawarthas Home Builders Association (PKHBA Social Media Revamp)
  • Phillip Jolicoeur The Marketing Guy (Havelock Chamber of Commerce – Member Spotlight)
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Customer First

  • Bennett’s Furniture and Mattresses
  • Kawartha Country Wines
  • Ricart Branded Apparel & Promo

 

Local Focus

  • Boardwalk Board Game Lounge
  • Living Local Marketplace
  • New Beginnings Contracting Services

 

Commercial Development or Renovation

  • CENTURY 21 United Realty Inc. Brokerage (Peterborough Office)
  • Lakeshore Designs (Boathouse Boutique and Bikini Beans Cafe)
  • TVM Group Integrated Real Estate Company (365 Armour Rd)

 

Professional Services

  • D.M. Wills Associates Limited
  • Gauvreau Accounting Tax Law Advisory
  • Hybrid Health and Rehabilitation

 

Green Initiatives

  • B!KE The Peterborough Community Bike Shop
  • Nutty Bean Cafe
  • Suzi Home Maker

 

Health & Wellness

  • Hybrid Health and Rehabilitation
  • The Mane Intent
  • Pulse Physio & Performance

 

Not-for-Profit

  • Community Care Peterborough
  • Kawartha-Haliburton Children’s Foundation
  • Peterborough Humane Society

 

Employer of the Year

  • Friendly Fires
  • Gauvreau Accounting Tax Law Advisory
  • Savage Arms

 

Businesswoman of the Year

  • Entrepreneur: Brenda Ibey (Avant-Garden Shop)
  • Organization: Alicia Dafoe (Village Dental Centre)

 

Micro Business – Less than 5 employees

  • Dan Joyce Clothing
  • Flossophy Ptbo
  • The Mane Intent
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Hospitality

  • Boardwalk Board Game Lounge
  • Publican House Brewery & Pub
  • Starbucks at Trent

 

Peterborough County Farm Family of the Year

  • To be announced

 

Business Student Leadership Prizes

  • Jehan Mahboob (Trent University)
  • Aiden Rice (Fleming College)

 

New Canadian Entrepreneur of the Year

  • Faheem and Fardos Mohammadzada (Brothers Pizza)

 

4-under-40 Profiles in memory of Kathy Windrem

  • Dr. Nicole Edgar (Peterborough Centre of Naturopathic Medicine)
  • Michael Gallant (Lett Architects Inc.)
  • Chad Hogan (Market Hall Performing Arts Centre)
  • Caitlin Smith (ReCreate Space)

Achieving a sound retirement plan starts with a conversation at McInroy & Associates Private Wealth Management

It's never too early to set your retirement goals and begin planning for them. Adam McInroy and his team at McInroy & Associates Private Wealth Management in Bobcaygeon can review a client's retirement income options and formulate investment, risk mitigation, tax planning strategies that will sustain that income for the years ahead. (Stock photo)

Dipping one’s toe into the retirement planning waters for the first time can be equal parts overwhelming, intimidating, and stressful.

As Executive Financial Consultant with Bobcaygeon-based McInroy & Associates Private Wealth Management, Adam McInroy CFP, CLU is very well aware of that.

Together with his team, he has made it his business to smooth the waters for clients, first by compiling an inventory of what retirement income options are available to them — the “puzzle pieces” as he calls them — and formulating investment, risk mitigation and, most importantly, tax planning strategies that will sustain and likely enhance that income for the years ahead.

Like a puzzle with many pieces, retirement income options can include employer pension plans, deferred profit-sharing plans, individual investments including personal savings and real estate, and government benefits such as Old Age Security and the Canada Pension Plan. Adam McInroy and his team at McInroy & Associates Private Wealth Management in Bobcaygeon helps clients put all the pieces together to create a viable and sustainable retirement income plan. (Stock photo)
Like a puzzle with many pieces, retirement income options can include employer pension plans, deferred profit-sharing plans, individual investments including personal savings and real estate, and government benefits such as Old Age Security and the Canada Pension Plan. Adam McInroy and his team at McInroy & Associates Private Wealth Management in Bobcaygeon helps clients put all the pieces together to create a viable and sustainable retirement income plan. (Stock photo)

“Our first step is to understand what pieces of that retirement income stream clients have in place or available to tap into, and there can be a lot of them — employer pension plans, deferred profit-sharing plans, government sources such as OAS, CPP, and GIS, and their own individual investments,” Adam explains.

“It’s not as streamlined as it once was. It used to be when you retired from a job, your employer replaced your paycheque with a pension. For many people these days, that isn’t what happens.”

“It’s not uncommon to see a lot of clients walk in who have a pension plan, but that company got sold. You kept working the same job for the new employer and, with that employer change, the retirement planning options also changed. It’s no longer a defined benefits plan — now it’s a defined contributions plan, a deferred profit sharing plan, or a number of alternatives. You still have that slice of guaranteed income, but now it’s up to us to manage this other slice to replace the paycheque you give up when you retire. Once you start trying to coordinate all that, it can become very confusing, time consuming, and overwhelming.”

In putting together a viable and sustainable retirement income plan for clients, Adam poses one crucial question as a starting point: What kind of lifestyle moving forward does the client desire and expect?

“More often than not, the strategy that we look at is more of a homogenized approach where we’re taking a little bit from this bucket and a little bit from that bucket,” he explains.

Adam McInroy and his team at McInroy & Associates Private Wealth Management in Bobcaygeon can help clients create a retirement plan with a foundation of stable income while managing ever-changing tax liability, including strategies to reduce or even eliminate Old Age Security claw-back. (Stock photo)
Adam McInroy and his team at McInroy & Associates Private Wealth Management in Bobcaygeon can help clients create a retirement plan with a foundation of stable income while managing ever-changing tax liability, including strategies to reduce or even eliminate Old Age Security claw-back. (Stock photo)

“Ideally we want to create a foundation of income that’s stable and maybe creates some tax liability, but never to the point where clients are paying more taxes than they have to,” Adam adds. “It’s a real fine art to manage income tax year after year because every year tax brackets change, tax credits change, tax planning strategies change, and your age changes.”

A major goal, Adam adds, is eliminating — or at least reducing — Old Age Security claw-back. He explains that’s done by “strategizing what bucket we’re pulling out of, how much we’re pulling out of that bucket, and when we’re doing it.”

Meanwhile, for those clients who aren’t where they need to be to realize their retirement goals, Adam says the biggest thing is to present them with “some simple steps they can implement in the next 90 days to start to put themselves on a better trajectory — to create a clear action plan so they’re not leaving the office thinking ‘I’m not where I need to be, but I’m not really sure what I need to do to get there.'”

He likens the process to that of a baseball batting coach who “watches your swing time and time and time again to finesse that stroke.”

Adam McInroy at work in his office at McInroy & Associates Private Wealth Management in Bobcaygeon. As a CFP professional, Adam is held to a standard of ethics and duty to do what's in the best interests of his clients when it comes to financial planning, including retirement planning. (Photo: McInroy & Associates Private Wealth Management)
Adam McInroy at work in his office at McInroy & Associates Private Wealth Management in Bobcaygeon. As a CFP professional, Adam is held to a standard of ethics and duty to do what’s in the best interests of his clients when it comes to financial planning, including retirement planning. (Photo: McInroy & Associates Private Wealth Management)

“That’s our goal with clients. They’re going to step into the batter’s box and we’re going to see what they want to do, and then we’re going to start finessing and coaching them to where they need to be. Our team focuses on improving our clients’ financial outcomes. When it comes to retirement, we’ve been doing this for decades and have seen over that time what is required to not only successfully retire, but also enjoy retirement and pursue the lifestyle that the client has envisioned.”

Adam breaks retirement planning down into four steps that help clients get a firm grip on their retirement income and ensure they can live their retirement years on their terms:

  • Understanding that Canada’s retirement income system consists of three tiers: government benefits, employer retirement plans and options, and personal investing through accounts, real estate holdings, and private corporations. These components are vital in understanding how to ensure a financially secure retirement.
  • Understanding what your income needs really are, not just in year one of retirement but also what they are likely to be in year 15 of your retirement income plan.
  • Optimizing taxable sources of income, while being mindful of tax credits and social benefits along with health and marital status.
  • Making things simple. Consolidating invested assets and streamlining withdrawals make strategies such as tax planning, de-registration, and income splitting that much easier.

Adam says clients should always be asking questions of their financial advisor, including what his or her qualifications are — with the most important being the CERTIFIED FINANCIAL PLANNER (CFP) designation.

“The first big question should be ‘Are you a CFP?'” he notes. “A CFP professional doesn’t receive that designation from his or her investment dealer. It’s from a third party, FP Canada, and it holds us to is a standard of ethics and duty to do what’s in the best interests of our clients.”

Another important question is to ask how the financial advisor is compensated.

“It’s really important as a client or prospective client to understand how you’re paying the professionals you work with,” Adam explains. “Are they getting a flat salary, where maybe they’re not as engaged or involved in the day-to-day actions of your portfolio because they go home at the end of the day after collecting their paycheque? Or are they collecting an advisory fee that is based on their advice and guidance, which is directly aligned with the long-term value of your financial well-being?”

Adam notes a financial advisor should also be keeping their door open to clients, both for regularly scheduled meetings and impromptu check-ins.

McInroy & Associates Private Wealth Management is located at 21 King Street West in Bobcaygeon. For more information, visit www.mcinroypwm.com. (Photo: McInroy & Associates Private Wealth Management)
McInroy & Associates Private Wealth Management is located at 21 King Street West in Bobcaygeon. For more information, visit www.mcinroypwm.com. (Photo: McInroy & Associates Private Wealth Management)

“The planner should be checking in with you, but it’s also important to know that you can and should be reaching out to your CFP professional when something happens in your life. Life events don’t happen on a pre-set schedule. Things like divorce, birth of a child, purchasing a vacation property, an employer laying you off, or a critical illness, are a few times when you may not think it’s important to talk to your CFP professional but, in fact, it is critical to do so. Having them involved can result in a significant reduction in stress, as your financial plan could and should be adjusted to the new realities.”

Adam points out that communication is a two-way street, so it’s also important for clients to keep their advisor apprised of financial developments.

“It’s not about how much you make, it’s about how much you keep, how hard it works for you, and how many generations you keep it for,” he says.

McInroy & Associates Private Wealth Management is located at 21 King Street West in Bobcaygeon. You can email Adam at adam.mcinroy@igpwm.ca or call 705-738-2422. For more information about McInroy & Associates Private Wealth Management, visit www.mcinroypwm.com.

 

Investors Group Financial Services Inc.

This is a general source of information only. It is not intended to provide personalized tax, legal or investment advice, and is not intended as a solicitation to purchase securities. Adam McInroy is solely responsible for its content. For more information on this topic or any other financial matter, please contact McInroy & Associates Private Wealth Management.

 

This is one of a series of branded editorials created in partnership with McInroy & Associates Private Wealth Management. If your business or organization is interested in a branded editorial, contact us.

ENDED – Severe thunderstorm warning in effect for Peterborough and Kawartha Lakes Tuesday night

A thunderstorm over Bobcaygeon in Kawartha Lakes in May 2022. (Photo: Jay Callaghan / CalTek Design)

Environment Canada has issued a severe thunderstorm warning for southern Peterborough County and southern Kawartha Lakes for Tuesday night (August 16).

Environment Canada meteorologists are tracking a cluster of severe thunderstorms capable of producing heavy rain. This quasi-stationary cluster of severe thunderstorms is located from Lake Scugog to Fairmount.

Impacted locations include Lake Scugog, Nestleton, Scugog Point, Bethany, Tapley, and Millbrook. Locally heavy rainfall amounts of 50 mm within one hour are possible.

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Environment Canada issues severe thunderstorm warnings when imminent or occurring thunderstorms are likely to produce or are producing one or more of the following: large hail, damaging winds, or torrential rainfall.

Heavy downpours can cause flash floods and water pooling on roads.

Lightning kills and injures Canadians every year. Remember, when thunder roars, go indoors!

Police recover body of boater whose canoe capsized on Peter Lake in Hastings County

Police have recovered the body of a boater who went missing Saturday afternoon (August 13) on Peter Lake, located around three kilometres east of Coe Hill in Wollaston Township in Hastings County.

Shortly after 5:30 p.m. on Saturday, members of the Bancroft Ontario Provincial Police (OPP) and Wollaston Fire Department responded to a report that a canoe had capsized on Peter Lake, with one person missing.

A local resident had unsuccessfully attempted to rescue the boater before the arrival of police and fire, who continued to search the area but were unable to locate the boater.

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The OPP’s underwater search and recover unit joined the search and, just before 12:30 p.m. on Sunday, found the body of the missing boater.

Police have identified the victim as 39-year-old Sovann Chhay of Ottawa.

Police are continuing their investigation and a post-mortem examination is being conducted.

Man and pregnant girlfriend threatened by driver with gun in Peterborough grocery store parking lot

Hunter Jones's pregnant girlfriend took a video of a confrontation with an unidentified man (left) who threatened Jones and his girlfriend after they pulled into a parking spot for expecting mothers or parents with young children at Loblaw's Real Canadian Superstore in Peterborough on August 13, 2022. The man's minivan, which contained a gun in the glove box the man displayed to Jones. is pictured in the background. (Screenshot courtesy of Hunter Jones)

Peterborough police are investigating after a Bowmanville man and his pregnant girlfriend were threatened by another man, who showed them a gun during a dispute in the parking lot of Loblaw’s Real Canadian Superstore at Lansdowne and High streets in Peterborough.

The incident happened at around 1 p.m. on Saturday (August 13), after Hunter Jones and his girlfriend — who is nine months pregnant — pulled into a parking spot designated for expecting mothers or parents with young children.

“This man started yelling out of his van’s window at me, ‘I don’t see no kids, come closer to my van’,” Jones wrote on social media. “He approached me saying ‘You don’t know where I’m from, I’ll fuck you up’.”

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After Jones’ girlfriend also got out of the car, the man continued to threaten the couple, displaying his “prison tattoo” according to Jones.

“He than continued to open the glove box to show me his concealed weapon,” writes Jones, who reported the incident to Peterborough police.

Jones’ girlfriend captured part of the incident on video, when the man can be heard telling Jones “I know what your licence plate is … I’ll find out where the fuck you live,” as he walks to his minivan, which had plate number BVMY794 according to Jones.

Anyone with information is asked to call the Peterborough Police Crime Line at 705-876-1122 x555 or Crime Stoppers at 1-800-222-8477 or online at www.stopcrimehere.ca.

Help pull a 44,000-pound fire truck at the Peterborough Airport and raise funds for people with dementia

A determined Team RBC pulls a fire truck during a previous Pulling for Dementia Fire Truck Pull event. In this annual fundraiser for Alzheimer Society of Peterborough, Kawartha Lakes, Northumberland and Haliburton, teams of 10 to 12 people compete to pull a 44,000-pound fire truck the greatest distance in the least amount of time. The 2022 event takes place on Wednesday, September 21 at the Peterborough Airport. (Photo: Alzheimer Society of PKLNH)

Do you and your co-workers or friends have what it takes to pull a 44,000-pound fire truck further and faster than anyone else?

That’s the challenge of the local Alzheimer Society’s “Pulling for Dementia” Fire Truck Pull, which is returning for the first time since the pandemic began.

Excitement is building for the sixth annual fundraiser, which takes place from 9:30 a.m. to 2:30 p.m. on Wednesday, September 21st at the Peterborough Airport. All proceeds from the event will support the programs and services of the Alzheimer Society of Peterborough, Kawartha Lakes, Northumberland and Haliburton. (Update: due to the forecast for rain on Wednesday afternoon, the event will now conclude at noon rather than 2:30 p.m.)

VIDEO: Alzheimer Society Fire Truck Pull

“The fifth annual event was very successful,” notes the organization’s donor relations coordinator Ryan Arnold, referring to the 2019 fundraiser which raised around $40,000. “It was an amazing day, full of fun with great energy. I sent an email letting our past teams know that it’s coming back, and got a bunch of responses back saying ‘We’re in!’ and ‘Can’t wait!’, so there’s already a lot of excitement.”

While the challenge of the event is to see which team can pull an 44,000-pound fire truck the furthest distance in the least amount of time, that’s not the only bragging right a team can earn.

At the 2019 event, the Minds in Motion Cobourg team — comprised of people living with dementia and their family members — wasn’t the physically strongest team but raised, they were the team that raised the most funds for the event, pulling in $16,000.

Teams are comprised of either 10 men, 12 women, or 12 men and women. Each team must raise at least $1,000 before the event to participate in the fire truck pull. For the first time, individuals can also register for the event this year for a minimum donation of $100. But don’t worry — you won’t be expected to pull the fire truck by yourself.

“Some people might be interested but don’t have the 10 or 12 people to form a team,” Arnold explains. “As we get closer to the event, we’ll build out a team of registered individuals. If we still don’t have enough for a full team, we’ll place some of our staff on the team so they will get a chance to pull.”

Teams and individuals can register now at firetruckpull.ca.

Dementia Defenders, a team comprised of staff of Alzheimer Society of Peterborough, Kawartha Lakes, Northumberland and Haliburton, pose in front of the fire truck during a previous Pulling for Dementia Fire Truck Pull event. (Photo: Alzheimer Society of PKLNH)
Dementia Defenders, a team comprised of staff of Alzheimer Society of Peterborough, Kawartha Lakes, Northumberland and Haliburton, pose in front of the fire truck during a previous Pulling for Dementia Fire Truck Pull event. (Photo: Alzheimer Society of PKLNH)

Also new this year is the location of the event at the Peterborough Airport, a switch from the Memorial Centre parking lot that will be unavailable in the fall due to the start of construction of the new twin-pad arena in neighbouring Morrow Park.

“We have a big space there — it’s going to work out really well,” says Arnold, noting both the City of Peterborough and The Loomex Group (which manages the airport) answered “Of course” when asked if they could accommodate the event.

What isn’t new this year but is welcomed wholeheartedly is the return participation of Rev. Ken Fast, a Cobourg-based Lutheran minister who is again serving as honorary chair for the event.

Dubbed “the world’s strongest priest,” Rev. Fast holds several Guinness World Records for feats of strength, including his pulling of a 188.83-ton Globemaster III airplane, several fire trucks and, if that’s not enough, a house.

Cobourg-based Lutheran minister Kevin Fast (left) is billed as the world's strongest priest and holds several Guinness World Records for feats of strength. Pictured at the 2016 Pulling for Dementia Fire Truck Pull, Fast is once again the honorary chair for the 2022 event, which takes place Wednesday, September 21 at the Peterborough Airport. (Photo: Paul Rellinger / kawarthaNOW)
Cobourg-based Lutheran minister Kevin Fast (left) is billed as the world's strongest priest and holds several Guinness World Records for feats of strength. Pictured at the 2016 Pulling for Dementia Fire Truck Pull, Fast is once again the honorary chair for the 2022 event, which takes place Wednesday, September 21 at the Peterborough Airport. (Photo: Paul Rellinger / kawarthaNOW)

“A lot of people have claimed, especially my competitors, that I cheat — that I have divine intervention,” noted Fast in a 2016 interview with kawarthaNOW prior to that year’s fire truck pull event. “But I work hard at it and I was gifted with some ability.”

As has been the case for past pulls, the majority of the teams will be comprised of office workers and corporate staff taking advantage of what Arnold terms “a great team-building exercise.” Up for grabs, besides some serious bragging rights, is a trophy for fastest pull time.

Of note, says Arnold, every cent brought in stays in with the local Alzheimer Society, going directly into programs and services. To date, close to $150,000 has been raised through the event since its inception. However, there’s another benefit, notes Arnold.

LLF Lawyers LLP's "Slaves of Justice" team during a previous Pulling for Dementia Fire Truck Pull event. Teams can use either a front-pull or back-pull strategy. Before pulling, teams are taught the proper technique during a practice round to get the best result and avoid any injury. (Photo: Alzheimer Society of PKLNH)
LLF Lawyers LLP’s “Slaves of Justice” team during a previous Pulling for Dementia Fire Truck Pull event. Teams can use either a front-pull or back-pull strategy. Before pulling, teams are taught the proper technique during a practice round to get the best result and avoid any injury. (Photo: Alzheimer Society of PKLNH)

“We find, with all our events, we get an uptick in awareness,” he says. “We see an increase in referrals. We see more people reaching out. The money raised is great, but the media attention is huge. It’s all about letting people know we’re here.”

With close to 11,000 people in the society’s catchment area who are living with Alzheimer’s and forms of dementia, heightened awareness is vital.

“Everyone has a story, a connection to Alzheimer’s or some form of dementia, especially in our community where we have an older population,” notes Arnold. “Our rate of dementia is one of the highest in Ontario and it’s continuing to grow.”

“It’s really important that we continue to fundraise and raise awareness, and that we need to be able to provide the supports and services required deal with that rapid growth. Every day there’s new research, new developments, and new supports. A lot of people look at a diagnosis of Alzheimer’s as the end, but there’s a whole life to live.”

The Alzheimer Society of Peterborough, Kawartha Lakes, Northumberland and Haliburton provides services supportive services at no charge to families and individuals affected by Alzheimer’s disease and other dementias, throughout all four counties including the communities of Peterborough, Kawartha Lakes, Lindsay, Haliburton, Minden, Cobourg, Port Hope, Campbellford, Havelock, and Millbrook. The society also provides a range of public education services within the communities its serves, as well as educational opportunities to those living with dementia and those supporting persons with dementia including family members, caregivers and professionals.

For more information on the society and the services it provides locally, visit alzheimer.ca/en/pklnh or call 705-748-5131.

How far and quickly can you and your co-workers or friends pull a 44,000-pound fire truck? Find out by entering your team for the 2022 Pulling for Dementia Fire Truck Pull on Wednesday, September 21 at the Peterborough Airport. (Photo: Alzheimer Society of PKLNH)
How far and quickly can you and your co-workers or friends pull a 44,000-pound fire truck? Find out by entering your team for the 2022 Pulling for Dementia Fire Truck Pull on Wednesday, September 21 at the Peterborough Airport. (Photo: Alzheimer Society of PKLNH)

 

This branded editorial was created in partnership with the Alzheimer Society of Peterborough, Kawartha Lakes, Northumberland and Haliburton. If your business or organization is interested in a branded editorial, contact us.

Regional health units issue opioid alerts for Peterborough, Kawartha Lakes, and Northumberland County

Both of the health units in the Kawarthas region have issued opioid alerts on Monday (August 15). Peterborough Public Health has issued a drug poisoning alert and the Haliburton, Kawartha, Pine Ridge (HKPR) District Health Unit has issued an opioid overdose alert.

On Friday and Saturday, Peterborough Public Health detected a higher-than-usual number of opioid-related paramedic calls for service, with a total of nine drug poisonings treated by paramedics and the emergency department at Peterborough Regional Health Centre.

“This is presumed to be the result of a product that may contain benzodiazepines,” Peterborough Public Health states in a media release. “A benzo-related overdose may last for hours and make it hard to wake up an individual. This high number of paramedic calls for service has prompted Peterborough Public Health to issue a public warning in the hopes of preventing further harms to the community.”

Peterborough Public Health is reminding the public that street drugs may be cut or mixed with toxic substances, and that using even a small amount of drug can be fatal.

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The HKPR District Health Unit has issued an opioid overdose alert for the City of Kawartha Lakes and Northumberland County due to a “disturbing” rise in the number of overdoses being recorded.

“With the significant spike in overdoses in recent days, this alert is meant to inform the community to take precautions,” says Kate Hall, a health promoter with the health unit, in a media release. “Contributing factors for these local overdoses may include people using alone or a potentially contaminated or poisoned drug supply that is leading to more severe overdose reactions.”

Both health units are encouraging people who use drugs to do the following:

  • Don’t use drugs alone. In Peterborough, drug users can visit the Consumption Treatment Services site at 220 Simcoe Street, which is open from 9:30 a.m. to 8 p.m. daily.
  • If you do use drugs alone, ask someone to check on you or call the National Overdose Response Service at 1-888-688-6677.
  • If using with a friend, do not use at the exact same time.
  • Test your drug by using a small amount first.
  • Avoid mixing drugs.
  • Carry a naloxone kit. Keep it visible and close by. You can get a naloxone kit at most pharmacies and needle exchange sites.
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Signs of an opioid overdose include cold and clammy skin, blue or purple fingernails or lips, a limp body, an inability to wake the person up, deep snoring or gurgling sounds, slow or erratic or stopped breathing, and very small pupils.

If you witness an overdose, call 9-1-1 and administer naloxone if available. Continue to check for breathing and stay with the person until help arrives.

Under Canada’s Good Samaritan Drug Overdose Act, anyone who seeks medical help for themselves or for someone else who has overdosed will not be charged for possessing or using drugs for personal use.

Residents of Peterborough and Peterborough County can anonymously report drug poisonings and other bad drug reactions using the Peterborough Public Health’s drug reporting tool. Residents of Kawartha Lakes, Northumberland, and Haliburton can anonymously report drug-related incidents using a similar online submission form.

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