Beware of market-beating bragger

Warren Buffet outperforms the market averages. There aren’t a lot of people like him. If you have an initial meeting with an adviser and you hear predictions of market-beating performance, get up and walk away. No one can safely make such guarantees, and anyone who’s trying may be taking risks that you don’t want to take.

Asking someone whether they’ll beat the market is a pretty good litmus test for whether you want to work with them. What they should be promising is good advice across a range of issues, not just investments. And inside your portfolio, they should be asking you about how many risks you want to take, how long your time horizon is and bragging about their ability to help you achieve your goals while keeping you from losing your shirt when the economy or the markets sag.

Brought to you by:   Craig Marchand a Certified Financial Planner in Brooklin |

Climate Change

A major challenge for the Insurance Industry as a whole is how we will deal with the issue of climate change.  It has become apparent that this is not going away.   This is no longer an opinion, it is now a fact, and as an industry we need to make sure that we are working to prevent losses instead of hoping to avoid them.   This can be done with educating clients and working with them to take precautions to prevent damage from the elements and global warming.  It is about educating the insurance professionals first so that they can, in turn, educate the insured.  There are tools available to brokers to be able to educate their staff and their clients to help to decrease loss frequency and loss severity.  These should be accessed and applied, but it is often overlooked and brokerages just “hope” their clients will not put in claims.  At JWK Insurance we take pride in being able to educate our clients on ways they can reduce their risk and even at time prevent losses all together.   This paired with the education on how to mitigate a loss once it has occurred, saves all homeowners money.

Blog brought to you by:  Greg Kruk  BComm, CPIB, CIP T-1.888.231.2011  F-705.277.1611 Brooklin Office – 905.425.0729 | James W Kloepfer Insurance Broker Ltd.


When you think of dancing, what comes to mind?
Do you envision repetitive movements at the barre?
A Broadway show?
The Tango?
A brilliant mind…”The dancer is the body, the dance is the mind, dancing is a chiasm (a crossing or intersection)”(Merleau-Ponty).
Regardless of what style of dance comes to mind, dance at Prima Dance Academy is an art form that offers an education, a physical awareness and multiple intelligences:

 Dancers call on all intelligence to truly reveal their art.

When one chooses to dedicate themselves to an education in dance they tap into a myriad of problem solving techniques. Whether they are 2 or 82 years old. They call on their bodies to synchronize with their minds-kinesthetically, musically, spatially, emotionally…the list includes a lot of “-allys”. Whether you are a visual, auditory or kinesthetic learner-dance utilizes all three. The result–a thinking dancer.

The coined term “a thinking dancer” is a relatively new concept in the dance world. Not all dance studios reflect this concept to their dancers. Sure dance is physical, yes it is “artistic”–but to process studied movement, emotion and connection with the art that is dance, is a much different paradigm.

Think about dance…and if you listen to this song, your mind and body will not be able to not dance:

Distracted driving now No. 1 cause of fatalities on Ontario roads

Distracted driving fatalities in Ontario surpassed both impaired driving-related and speed-related fatalities last year, the Ontario Provincial Police said Monday.

A total of 78 people died in distracted driving-related collisions last year, above the 57 impaired driving deaths and 44 speed-related deaths, the OPP said.

“When you consider the overall impact of these 78 fatalities last year and the 325 other distracted driving victims who have died since 2010, the number of people these irresponsible drivers have had a profound and devastating impact on is in the thousands,” OPP Deputy Commissioner Brad Blair, Commander of Traffic Safety and Operational Support, commented in a press release.

“Everyone, from the victims’ families and friends to the police officers who attend these horrific collision scenes and have to notify next-of-kin, knows the emotional impact of one life lost to this senseless driving behavior trickles down to so many people who, sadly, through experience, know how badly this behaviour needs to stop,” he added.

The OPP are launching a formal distracted driving campaign March 8 that will run until March 14. During that period, the OPP will be focusing enforcement on distracted driving laws province-wide.

On March 18, the current distracted driving fine of $155 will jump to $280, which includes the increased $225 fine plus a $50 victim fine surcharge and $5 court cost, the OPP noted.

Blog brought to you by: Greg Kruk, BComm, CPIB, CIP, James W Kloepfer Insurance Broker Ltd, T-1.888.231.2011 F-705.277.1611 , Brooklin Office – 905.425.0729

make room for art

Imagine leaving all your current belongings in your home for over 70 years-untouched-a time capsule. This article about French socialite and actress Madame de Florian was so stirring as it revealed a lot of tangible pieces of art and reflections of life in Paris. What would be the value of the items we choose to keep in our home now? We know first hand that our laptops, TVs and personal devices depreciate almost once we buy it.

The timeless value of art that takes time.

The timeless value of art that takes time.

When we look back to the belongings of the past, items were valuable because they took time and specialized training to make. Paintings, glassware, furniture making, textiles-all detailed works that are hard to find, let alone replace today.

Dance, in its truest form, has become one of those pieces of art. Originally it was something everybody did. Culturally, it was one of the only forms of socializing and entertainment.

What has happened to the art of dance in our present day? Has it become only a form of reality TV, a competition, a desire to be a principal dancer or can we claim it as a timeless imprint of our culture whether we go to the Royal Opera House or Oshawa Little Theatre? The art of performing is not “for sale” however it is an item of cultural value because of all the time, dedication and specialized training that is required from the people that create it.

What happens when people stop buying tickets to go experience culture? Whether it is a ballet, a play, an opera or a gallery-invest in something that doesn’t depreciate-appreciate art.



Hello from Group 74!  We are excited to announce our Victorian Tea details with you – please see our poster that provides the details of this wonderful event.  This year’s tea will showcase some new features – we are especially excited about our purse auction!


Our 14th Annual Victorian Tea venue has changed!  We will be moving to the Barnes Memorial Funeral Home on Thickson Road.   and we want to thank the Barnes Family for opening their doors to us.

Please email the following info to: and we will reserve your tickets for you.  Payment can be made via cash or cheque the day of the Tea.

Adult Name

Child’s Name                                              
Child’s Age

Email Address:

Total number of tickets required:       Adults                                         Children


Ticket prices for this year’s tea are: Adults – $12.00   Child under 12 – $8.00


We have included the link below to provide you with further info about the event: Please feel free to check in periodically as we are posting updates to the event all the time



Thank you for supporting Group 74!  If you have any questions please feel free to email us at:


We look forward to welcoming you, your guests and children to our Victorian Tea!

Sue Pitchforth

President Group74

On behalf of Group 74 members



straight to the pointe

At what point do we, as parents, realize that our child may need to do movement in order to grow and learn about the world around them? So many times we see the activities we enrol our children in as a necessity for exposure, experience and education. But at what stage do we connect with the fact that in order to live fully and learn, they need to express themselves through movement? Through expression. Through music.

In our busyness, we sometimes lose the beauty of the child. We expect them to function in the adult world so quickly. This week I spoke with a student at our dance school that commented on how “stressed” she was with their busyness. It wasn’t really her busyness, it was her parent’s. But she took it on as if it was her own. I quickly rerouted the conversation to talking about her favourite candy. Life was putchild-dancing back in perspective. When that student left her class that night, she seemed so joyful. As if the movement aloud the stress to trickle off her shoulders.

The dance classes we offer give children of all ages the ability to move. “Movement, physical activity, and rhythmic patterns enhance learning and understanding. Students use gestures, actions, movement patterns, songs, and dance to understand academic concepts and anchor learning. The concept is called embodied cognition. When more modalities are used in learning a concept, the information is stored in several areas of the brain so the brain has more memory pathways for retrieving the information.”(

If we cross reference the benefits of movement with the individual need for self expression…I think we have won a gold medal. Every student that passes through our doors seems to ‘”find” themselves in the studio and feel a connection with their body, themselves and others. They realize that without words, the world can be set straight.

Dance there upon the shore;

What need have you to care
For wind or water’s roar?
And tumble out your hair
That the salt drops have wet;
Being young you have not known
The fool’s triumph, nor yet
Love lost as soon as won,
Nor the best labourer dead
And all the sheaves to bind.
What need have you to dread
The monstrous crying of wind?
— William Butler Yeats, 1914
Brought to you by: Petrina Bainard, Prima Dance Academy, Studio# 905.425.2828 www.primadanceacademy.

Ensuring that you keep on top of your finances and tax obligations is one of those much hated, but absolutely necessary tasks for which it is essential to have a system in place, even if you do have an accountant.
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Record Keeping and Organization
Ensuring that you maintain all your documents in an organized fashion is in some ways the most important task that a self-employed/small business owner should do.  Have a system (paperless is fine) where you maintain all your invoices, bills, receipts, bank statements and government documents.  Filing the documents so that they are easy to locate makes life much easier at tax time.  Even if you are not one to organize your documents obsessively, at the very least throw them in a box that is clearly designated for your business.  Organizing can then be done when necessary (which is ideally more than two days before your taxes are due)
Having a separate bank account and credit card for your business can be invaluable when trying to figure your financial picture, particularly if you do it once a year.  It is also a great way to see your available funds and a quick way to calculate revenues and expenses in the absence of an accounting system.  You don’t actually have to set up business accounts; just ensure that they are only used for business deposits and expenses.
Find trusted Accounting, booking and Income tax services in Brooklin

Brought to you by Allyson McConnell, The Mortgage Centre, Toll Free: 1-888-425-1580,

Certified Financial Planner – CFP

Financial planners advise clients on how best to save, invest, and grow their money. They can help you tackle a specific financial goalsuch as readying yourself to buy a houseor give you a macro view of your money and the interplay of your various assets. Some specialize in retirement or estate planning, while some others consult on a range of financial matters.

Don’t confuse planners with stockbrokers the market mavens people call to trade stocks. Financial planners also differ from accountants who can help you lower your tax bill, insurance agents who might lure you in with complicated life insurance policies, or the person at your local bank urging you to buy their mutual funds.

Anyone can hang out a shingle as a financial planner, but that doesn’t make that person an expert. They may tack on an alphabet soup of letters after their names, but CFP (short for certified financial planner) is the most significant credential. A CFP has passed a rigorous test administered by the Certified Financial Planner Board of Standards about the specifics of personal finance. CFPs must also commit to continuing education on financial matters and ethics classes to maintain their designation. The CFP credential is a good sign that a prospective planner will give sound financial advice.

Brought to you by Allyson McConnell, The Mortgage Centre, Toll Free: 1-888-425-1580,

The Gift of Potential



Recently we watched the documentary Searching for Sugarman (watch the trailer link here, even better is the whole movie on Netflix). It left us in awe of the potential that every person has to create something great, whether one is noted for their accomplishments or not.

Contrary to common belief, creativity is one of those abilities that we all possess. We all have a right side to our brain.


Shakespeare wrote “all the world’s a stage”. Translated loosely it compares “the world to a stage and life to a play” from infancy to retirement of the soul. We are all born to create something magnificent. We see this beauty everyday at the studio. Children who think with colour, process with movement and make music with their limbs. Their creations may or may not hit a “popular” stage, but they are pioneers of art-bravely creating new connections between their mind, heart and body.

Maybe we should all search for the sweetness that rests in our brain’s right side. Create something that you can claim as your masterpiece-even if no one else notices. It leaves a legacy regardless. The finished project is a reflection of the journey, the journey being the living out of your potential.

May your New Year be full of potential.

Brought to you by: Petrina Bainard, Prima Dance Academy, Studio# 905.425.2828