Humber Happenings Winter 2019

HBSCA.CA

WINTER 2019

Enjoy HBSCA

2019

CALENDAR

pages 16-17

VISIT

HBSCA.CA

TO SEE ALL OF OUR

UPCOMING EVENTS

BEAUTIFUL

WINTER!

IN THIS ISSUE:

• NEW TECH & TRAVEL TRENDS FOR 2019
• COMMUNITY NEWS & UPDATES
• REAL ESTATE & TRAVEL TRENDS



IN THIS ISSUE

30

A Community Publication by the Humber Bay Shores Condominium Association

4 PRESIDENT’S MESSAGE 10

By Jim Reekie

COMMUNITY NEWS & EVENTS 20 HEALTH & WELLNESS
6 SPOTLIGHT ON LOCAL ARTISANS 14 HEALTH UPDATE

By James Maloney | MP By Dr. Maureen Henderson

16 HBSCA HANDY PULL OUT CALENDAR TRAVEL
8 GENIUS GETAWAYS | NANTUCKET
19 HBSCA | SAVE THE DATE
By Jim Flynn
22 FROM THE DESK OF MARK GRIMES
20 HOW TO TRAVEL IN 2019
By Councillor Grimes
By Krista Garney Cluettt
28 LOCAL RESTAURANT FEATURE
COVER PHOTO:
Rustic Social House By Andy Zav
Sponsored Advertorial
WINTER 2019 | HUMBER HAPPENINGS 3
30 A WINTER HAVEN

By Bruno Clausi

EXPERT ADVICE
10 REAL ESTATE NEWS UPDATE

By The Red Square Team

26 MAKING THE MOST OF

YOUR RRSP & TFSA
By Michael Storino

LIFESTYLE
12 NEW IN TECH FOR 2019

By Marc Saltzman

18 YOU COULD BE SAILING THIS SUMMER

24 THE BENEFITS OF MUSIC LESSONS

FOR ADULTS
By Frank Horvat

12

PRESIDENT’S MESSAGE

HAPPY NEW YEAR
AND HELLO EVERYONE!

BY JIM REEKIE, HBSCA PRESIDENT

A s we enter 2019, there will be many urday May 25th and run to October 5th. merchants we appreciate them by
things going on in our community. We will be adding some new vendors spending dollars at their businesses.
I will take this opportunity to let so check them out on our web site in Their survival depends on local commu-
you know what we at the HBSCA are late April. nity support.
working on: • HBS golf tournament will be back this
• Our new Pedestrian Crossover (PXO) summer on Monday, July 29th at Mark- Traffic Report
land Woods. Everyone is welcome, so
will be operating on Marine Parade come out and play. It’s always a great Our traffic committee will be having a
Drive which will make it safer getting time. meeting with our Councillor and City
back and forth across the street. • The Waterfront Festival will be taking Staff for the first traffic meeting of the
• Two new restaurants are expected to over the street on Saturday, August year. Some of our topics will include:
be opening on Marine Parade Drive, La 10th. Marine Parade Drive will be closed • Traffic Lights at Lake Shore and Silver
Vecchia and Scaddabush. Check them on Friday, August 9th at 11:00 pm, so
out on their websites. please don’t leave your car on the Moon;
• We will have three new buildings street after that time. The street will re- • Stop sign on Brookers Lane and Annie
opening this year, 39 Annie Craig and open on Sunday morning.
two on Shore Breeze Drive. With these Craig;
buildings will come more vehicles and Community Reminder • Cross walk curb cuts at Waterfront
pedestrians, so please be aware.
• The improvements to the pathway will Please when you’re out in the neigh- Drive and Marine Parade Drive;
begin in the spring and continue bourhood, support our advertisers from • Contraflow bike lanes on Waterfront
throughout the summer. HBSCA will the community. They are a big part of
continue with our Annual Clean Up on building our community. They have Drive;
May 11th so come out and give us a been generous in allocating some of • Signage on Annie Craig, Silver Moon
hand to keep our community clean. their promotional budgets to our maga-
• Our Farmers Market will open Sat- zine; now it’s our turn to show our local and Shore Breeze Drive.
With the New Year comes new chal-
lenges. We’re looking forward to
continuing the work we started in 2018
and taking on new challenges that arise
in 2019 as the community grows! HH

HBSCA CALL FOR VOLUNTEERS

The HBSCA needs a number of volunteers
to help with various programs and initiatives.

Do you have a little spare time
to contribute to your community?

CALL FOR AD SALES REPRESENTATIVE

Are you interested in a part-time job and have about 8 hours a week free?
Do you like to spend time in your community? This may be ideal for you!

PLEASE CALL THE HBSCA AT 416-792-4964
EMAIL: [email protected]

4 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

WINTER 2019 VOLUME 23, ISSUE 1

ABOUT HBSCA: The Humber Bay Shores Condominium Association (HBSCA)
was established and incorporated in 1997. HBSCA is a volunteer-based, not-
for-profit corporation representing the interests of condominium corporations
and their residents in the Humber Bay Shores community.

WHAT WE DO: We supply representation of the community to all levels of gov-
ernment for the enactment, amendment, or repeal of legislation dealing with,
but not limited to, all aspects of condominium ownership, real estate devel-
opment, and usage of real property in the area. In addition to the above we
conduct research and provide awareness and education to our community on
issues related to ownership, development, management, financing, and pro-
motion of real estate property in the area.

MISSION STATEMENT: Provide strong leadership for the development, preser-
vation and beautification of the vibrant, valued, sustainable condominium
community in which we live, work, and play.

BOARD OF DIRECTORS
PRESIDENT: Jim Reekie, Palace Place
VICE-PRESIDENT: Dina GodinHo, Lakeside Place
TREASURER: Ron Anderson / Juliette Sweeney
SECRETARY: Laura Nash (acting rep.), Jade
PAST-PRESIDENT: Don Henderson, Bal Harbour

DIRECTORS-AT-LARGE:
Kathryn Winter, Grand Harbour
Jacqueline La Ronde, Waterscapes

DIRECTORS:
Vladyslav Kostyuk, Westlake Tower 1 | Ron Anderson, Palace Place

Suniti Talwalkar, Grand Harbour, Bldg C
Gary Mogyorodi, Explorer | Jim Simone, Nautilus
Marilyn Dummaresq, Hearthstone by the Bay | Susan Orr, Grenadier Landing
David White, Beyond the Sea, Star Tower | Jacqueline La Ronde, Waterscapes
Dina GodinHo, Lakeside Place | Sharon Jazzar, Newport Beach
TBD, Ocean Club | TBD, Riva del Lago | Steve Ulrich, Lago
Laura Nash, Jade | Jim Faichnie, Waterford | Don Henderson, Bal Harbour
Sue Grimes, Marina Del Rey 3 | Tom Arkay, Palace Pier

CONTRIBUTORS
Jim Reekie | James Maloney | Maureen Henderson | Krista Garney Cluett

Bruno Clausi | Marc Saltzman | Michael Storino | Jim Flynn
Red Square Team | HB Sailing Centre | Frank Horvat

PRODUCTION
DESIGN: Markintosh Design | Mark Tzerelshtein

PUBLISHING CONSULTANT: Fred Sanders
MANAGING EDITOR: Monique Charbonneau

EDITORIAL ASSISTANT: Hunter Peebles

ADVERTISING
For advertising inquires please contact HBSCA:

[email protected] or call 416.792.4964

Humber Happenings Magazine is published 4 times a year by MJ Rochester Pub-
lishing Inc. 2 St. Clair Ave East Suite 202, Toronto, ON. All rights reserved. No part
of this magazine may be reproduced in any form without the consent of the
HBSCA. The HBSCA, MJ Rochester Publishing Inc. or any member of the production
team is not responsible for any errors, omissions, facts or representation in edito-
rials or advertisements in this publication.

OFFICE: 2240 Lake Shore Blvd West, Unit M-227,
Toronto, ON M8V 0B1 • Ph: 416-792-4964

CONTACT INFORMATION: email: [email protected]
WEBSITE: www.hbsca.ca

Have ideas to share, feedback or wish to volunteer?
Reach us at [email protected] or 416-792-4964

Made possible with the support of the

WINTER 2019 | HUMBER HAPPENINGS 5

COMMUNITY NEWS

SHINING THE SPOT-LIGHT ON

LOCAL ARTISANS

IN OUR CONSTITUENCY
BY JAMES MALONEY, M.P.

I absolutely love learning about the If you come for a tour of Parliament, esting stories to tell.
creative ways constituents contribute be sure to look up and be proud of local I am so proud of the quality and talent
to various projects. I was thrilled to artisans.
learn that two artists from Etobicoke- we have in our constituency. HH
Lakeshore will be beaming down on Take a close look at the bent glass in the
Parliament. fixtures. That tricky glasswork was per- James Maloney is the Federal Member of
formed by another local artist, John Wilcox Parliament for Etobicoke-Lakeshore and has
Nelson Garrett is a third-generation of Vitreous Glassworks who lives in the been a resident in the riding for 40 years. Prior
custom lighting fixture manufacturer of constituency. I recently met John as well. to becoming the M.P., Mr. Maloney served as
traditional and contemporary styles for the City Councillor for Ward 5 and practised
commercial, institutional, government, He and a colleague at EGD are law, full-time, as a partner at Hughes Amys.
hospitality, church lighting and historical restoring the 100 stained glass windows
restoration projects. in Massey Hall.

They are providing lighting fixtures for I had the honour to represent the fed-
West Block, where the House of Commons eral government at the announcement of
will sit for the next 10-15 years as Centre funding for the Massey Hall Revitaliza-
Block undergoes extensive renovations. I tion Project in December and was thrilled
had the chance to tour the Nelson Garrett that federal money will be supporting
facilities and was incredibly impressed local entrepreneurs.
with the beautiful work they do.
Please get in touch with my office if
you or a local entrepreneur have inter-

6 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A



travel | Genius Getaways

Nantucket

MASSACHUSETTS

BY JIM FLYNN, FOUNDER AND EDITOR OF BESTWEEKENDS.COM

N antucket is New England at its most picture-postcard perfect, and
even in the peak of summer, there’s always an empty stretch of
sandy beach to be found. Outdoor activities abound, and there
are fine museums, smart restaurants and fun bars.

Destination Overview

About 30 miles off the coast of Massachusetts sits the magical island of
Nantucket, unmatched in its beauty and tranquility. Once the whaling
capital of the world, Nantucket is 14 miles long and 3.5 miles wide with
82 miles of beaches. It has a charm like few other places with cobblestone
streets and gas lamps, quaint lanes of cedar shingled cottages and homes
surrounded by white fences and adorned with window boxes of colourful
flowers. Lighthouses and cliffs, ponds and moors, cranberry bogs and
fields of wildflowers make the island the perfect romantic hideaway.

The locals are obsessed with preserving the historical integrity of the
island and building and renovation codes are strictly enforced; forty per-
cent of the island can never be built upon. There are no fast food outlets,
no national chains (except 2 food stores), no neon signs, no garish archi-
tecture and no traffic lights.

WHERE/WHAT TO EAT

• Black Eyed Susan’s (www.black-eyedsusans.com), for homemade breakfast.
• Cru (www.crunantucket.com), on the Harbour for lunch.
• Brotherhood of Thieves (www.brotherhoodofthieves.com), best burgers in town.
• The Pearl (www.thepearlnantucket.com).
• Provisions (www.provisionsnantucket.com), for sandwiches to take to the beach.
• Galley Beach (www.galleybeach.net).
• Topper’s (www.wauwinet.com).  
• Company of the Cauldron (www.companyofthecauldron.com), offers one

delicious 3 course dinner each night.
• Le Languedoc Bistro (www.lelanguedocbistro.com), for steak frites and red

Burgundy; one of life’s real pleasures.

8 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

OPPOSITE: Nauset Lighthouse is located in historic Cape Cod near the National Seashore.
LEFT: Cottage on Old Noth Whart.

DON’T MISS WHERE TO STAY

• A Turkey Terrific sandwich from Provisions The Wauwinet Inn, (www.wauwinet.com) 9 miles from town on
• View from the top of the First Congregational Church Nantucket Sound and its sister, The White Elephant,
• A day at the secluded Miacomet Beach (www.whiteelephanthotel.com) in town, on the Harbour, are
• Lunch in the rose garden of The Chanticleer luxurious properties with excellent accommodations and dining.
• A jeep ride among the dunes at Great Point Just a block from town, the circa 1770 Union Street Inn
• An afternoon at Cisco Brewery/Triple Eight Distillery (www.unioninn.com) has 12 luxuriously appointed rooms,
• Show tunes at the Club Car many with working fireplaces and an amazing breakfast. The
Century House (www.centuryhouse. com) is the oldest contin-
GETTING THERE uously operating inn on the island and The Sherburne Inn
(www.sherburneinn.com) with its manicured lawns and beautiful
Nantucket is accessible by air from virtually any place in the gardens are two other highly popular B&B’s just blocks from town.
United States, generally through Boston. Otherwise, there is a fast
ferry (1 hour) and a regular ferry (2 hours) service from Hyannis. WHEN TO GO
Nantucket is a little bit trickier to get to from Toronto, but well
worth the effort. The flight options seem to open up seasonally Except for the dead of winter, Nantucket is enjoyable in any
and Porter Airlines also has a good selection. If you chose to forgo season. July/August are the busiest and most crowded
the airport, Toronto to Nantucket is about a 12 hour drive. You months, the weather is delightful in the “shoulder” months
can get your car over by ferry or park it on the mainland. of June and September and festivals extend the season from
April-October.

GETTING AROUND

Most shopping, dining and cultural activities are centered
around town and there is a good bus system on the island. The
island is so beautiful and some of the best attractions are
spread around the island, so a car, even a rental for a couple of
days, is suggested. HH

expert adviCe

HOW’S
THE MARKET?

А s realtors, that’s probably the ” In 2018, Condos saw another exceptional year –
number one question we get asked up over 8% in Toronto largely on the back of
and often in response to media high demand and lower inventory.
coverage — either positive or negative. - Red Square Team, Royal Lepage
Typically, the media deals in highs and
lows. Stable markets don’t make for par- detached homes, the price gap between that you can see exactly what houses and
ticularly interesting reading but the condos and houses has shrunk for the condos have been selling for.
reality is that for many areas that is what first time in a long time.
we are dealing with right now — flat to In the meantime, we wish you a very
low single digit growth. The measures Moreover, with the crazy bidding wars happy, healthy and prosperous 2019. HH
brought in to cool the market (the for- of 2017 largely gone for freehold homes
eign buyer’s tax and the OSFI mortgage but with condo inventory still very tight, Red Square Team are West Toronto neighbour-
stress test) largely had the desired effect. you can shop for your perfect home with hood experts! We focus on providing you with
the reassurance that your condo will be in an ultimate service model to get you the best
The exceptions to that were condos high demand when you come to sell. It possible results. There is nothing our team
which saw another exceptional year — up should also be noted that, while interest enjoys more than sharing our Real Estate knowl-
over 8% in Toronto largely on the back of rates did rise in 2018, they are also still edge, experience and insight with you. Are you
high demand and lower inventory across near to historic lows. thinking of moving? Interview us too see how
2018, but ironically also as a result of the we compare. You won’t be disappointed.
mortgage stress tests. The same stress If you are interested in learning more,
tests that cooled the market for freehold Red Square Team is here to help and
homes pushed some prospective home offers seven-star service to our buyers
buyers back towards condos and further and sellers alike. If you would like to
fuelled an already hot market. research for yourself, our website red-
squareteam.com provides a wealth of
The good news for condo owners information about our services, our team
looking to take the step up to home own- and now offers SOLD data on all TREB
ership is that on the back of a year of (Toronto Real Estate Board) listings so
rising prices in the condo market and a
stable market in detached and semi-

10 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A



lifestyle

TECH IN 2019:

WHAT WILL

BE HOT? If you thought 2018 was a good year for tech –
smarter smartphones, huge 4K TVs and voice-
activated speakers – wait ‘til you get a load of
what 2019 will usher in. In fact, tech journalists
like yours truly just spent four consecutive days

at the annual Consumer Electronics Show (CES)

BY MARC SALTZMAN in Las Vegas to play around with tomorrow’s

tech. The following are just a few gadgets and

other technologies worth getting excited about

over the coming months.

Smart home tech

Expect to see a ton of artificial intelligence (A.I.) controlled devices in

the home, whether it’s smart refrigerators that can tell you when food

is about to expire, or light fixtures that sense room occupancy to Alexa-

or Google-powered smart screens. Saving you time, money and aggra-

vation, these next-generation devices might seem like science-fiction

but CES attendees kicked the tires on a ton of innovative smart home

gadgets last month.

12 HUMBER HAPPENINGS | WINTER 2019 Know when to fold ‘em

While a few companies will have foldable smart-
phones that essentially turn the device into a
big-screen tablet when unraveled — such as the
FlexPai from Royole (pictured above) — Samsung
is expected to dominate this space with its so-
called Galaxy F sometime this spring. The world’s
first foldable Galaxy might sport a 4.5-inch dis-
play when closed yet folds out to a tablet-style
7.3-inch OLED screen. And then there’s the LG
Flex phone, a “rollable” Android phone that
might also debut in 2019.

W W W. H B S C A . C A

Wild about wireless

To date, “wireless charging” means you need to place your
phone down on a special mat to charge up without needing a
cable. But what if you could just have it on your kitchen
counter or maybe at a table at a coffee shop and it just starts
charging up wirelessly? This is where Wi-Charge comes in as
it charges up devices via a transmitter elsewhere in the room
using infrared flight to transmit power to the battery. And yes,
it’s said to be safe.

Smell-o-vision meets VR?

In case virtual reality isn’t immersive enough for you by folding in 360-
degree vision, spatialized audio and haptic vibrations when you touch
objects, 2019 may be the year you also smell the digital world you’re in.
From a company called VAQSO VR, it’s a small Bluetooth device used
with any head-mounted display supporting up to five scent cartridges.
Hope you’re not visiting a virtual zoo in the near future!

5G is coming

As you may or may not have heard, 5G –
fifth-generation cellular wireless tech-
nology — is expected to deliver up to 100
times the speed of 4G LTE. If this is to be
believed, you might just cancel your infe-
rior home Wi-Fi in favour of 5G. South of
the border, Sprint’s 5G network is sched-
uled to go live in the first half of 2019,
with nine cities confirmed so far, just as
smartphone makers are readying their
5G-supported products for this year.

Smarter electric cars

The 2020 Rivian R1T and R1S concept cars are being billed as the world’s first Elec-
tric Adventure Vehicles which will give you upwards of 650 kilometres – that’s
from Toronto to Algonquin Park and back (with 100km to spare) — with its Quad-
Motor System for superior control on- and off-road and seating for up to seven
people. Of course, expect to see several self-driving (autonomous) driving tech-
nologies in 2019 as well. HH

WINTER 2019 | HUMBER HAPPENINGS 13

health & wellness

IMAGINE
THE POSSIBILITIES

BY DR. MAUREEN HENDERSON

T he body you have today will be NO MORE What is your stress level? When our
yours for the rest of your life. There bodies are in a constant state of stress
is a no refund, no exchange policy. PROCESSED (think juggling too many tasks at once),
So, it is essential that we maintain it so then our system as a whole becomes
that we have quality of life for as long as FOOD overloaded. Instead of pulling back from
we are here. too many obligations, our SELF-CARE
dren or grandchildren”? Whatever your gets neglected. We don’t sleep as well,
How do we do that? reason, when you attach meaning to a don’t make time for exercise, are too
goal it makes the daily little sacrifices exhausted to do the things we enjoy and
Take time to evaluate your current health. easier until you start feeling the results. generally start feeling overwhelmed and
Are you at your optimal, under or over And that’s where momentum becomes exhausted. Finding ways to eliminate
weight? If you need to make a change, it’s fuel for the fire. Exercise should be fun. unnecessary stressors can go a long way
not enough to say “I want to lose 15 During exercise the body releases endor- to improving your health.
pounds”. What’s the motivation? There phins, our “happy chemicals“, which
needs to be something more tangible, further enhance our “joie de vivre“. As The CHALLENGE for you
something with meaning and purpose to Voltaire stated, “I have chosen to be is the following…
help commit to the resolution. So … if happy because it is good for my health”.
your end goal is weight loss, it needs to Being healthy isn’t a fad or a trend, it’s a
be attached to “because if I were lighter, Are you taking daily medications? Is lifestyle. To truly make a change YOU
my knees and back would not hurt so there a way to reduce these medications have to face the problem head-on and
much“ or “I could walk for an hour on the (for example high blood pressure, high then create steps to solve it. Develop a
boardwalk each day” or “I would play a cholesterol, diabetes, mobility issues) sensible plan of action, commit to it,
better tennis game”. through improved lifestyle choices? focus, aim and achieve. Search out ser-
Taking a pill is an easier path but vices that can improve your health —
Do you EAT NUTRITIONALLY (whole improving your nutrition and exercise invest in your future.
unprocessed foods), or is fast food the are better for your health over the long
item of choice because you don’t feel you run. An old saying: “A person’s health can The GOAL is to live longer with quality,
have the time to shop for and prepare be judged by which he takes two at a time not how long we can be kept alive! HH
healthy food? The food you eat can either — pills or stairs” is so accurate.
be the safest and most powerful form of Dr. Maureen Henderson
medicine….or the slowest form of poison. Chiropractor and Ideal
Take the time to educate yourself on Protein Coach.
healthy eating; plan your meals as you Kingsway Health
take control of this aspect of your life. By The Lake is located
at 2405 Lake Shore Blvd
Are you exercising on a regular basis to West, Etobicoke. For more information
keep your body functioning in top condi- please call 416-231-9502 or visit
tion? Is your motivation to EXERCISE a www.kingswayhealth.ca
good example of health and fitness….so
that you “can run around with your chil-

14 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

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lifestyle

YOU CAN BE SAILING

THIS SUMMER...

WITH THE HUMBER BAY SAILING CENTRE

Humber Bay Sailing Centre is a keel- development of the skills necessary to can continue to develop sail trimming PHOTO: ANDY ZAV
boat sailing school and a boat sharing become a competent and safe skipper. skills in a friendly and competitive envi-
club for adults within walking dis- ronment. Socially, the club offers dinner
tance of the HBSCA community. This is an The sailing school operates year- cruises and weekend flotillas to neigh-
ideal place for people who want to learn to round, with on water courses offered bouring yacht clubs on Lake Ontario. The
sail but who don’t have a boat. during the sailing season such as Basic club also has frequent social events over
and Intermediate Cruising and the Inter- the course of the summer. Members are
For beginners, the sailing school offers national Certificate of Competency (ICC) encouraged to make use of the deck and
the Basic Keelboat Cruising course, taught for those wishing to charter overseas. In the BBQ and enjoy summer evenings on
over a five-day or week-long period or over fall and winter, the sailing school shifts our private shoreline.
two consecutive weekends. The popular to our waterfront classroom and offers a
Starter Package includes the Basic Keel- range of Club Seminars, Seminar Series Humber Bay Sailing Centre is located
boat course plus VHF Radio and Toronto and Theory Courses including diesel at 100 Humber Bay Park Road West in Eto-
Harbour Licence courses, plus a one maintenance, Basic and Intermediate bicoke, right at the base of Mimico
month pass to the HBSC Boat Share Club Coastal Navigation, marine weather and Harbour. HH
where graduates can continue to develop sail trim theory.
their skills while being coached and men- For more information, visit our website at
tored by more experienced sailors. The Boat Share Club offers members www.hbsailing.com. For course information and
unlimited sailing from May through availability email [email protected].
Mentoring programs include sail trim, September on a variety of club-owned Follow us on Twitter and Instagram
spinnaker handling, anchoring, docking keelboats ranging in size from 24 ft. to 34 @HBSailingCentre
and undocking as well as continuing ft. There are racing nights so members

18 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

Save

the

date

2019 Calendar of events

Hey HBS Community!
It’s time to start planning for the fabulous events your HBSCA
has been working hard to organize for you. The annual clean
up is coming soon, this is a great opportunity to do your part
and help out!
Before you know it the popular Farmers’ Market will be
starting and of course the famous Waterfront Festival. For
those of you who fancy yourselves golfers, the Annual Golf
Tournament is always a good place to show off your skills!
If you have any questions, just check out the HBSCA website!
See you all soon, The HBSCA team!

Annual Clean Up • May 11th
Farmers Market Starts • May 25th
Annual Golf Tournament • July 29th
Waterfront Festival • August 10th

TRAVEL

HOW
TO TRAVEL

IN 2019

BY KRISTA GARNEY CLUETT

E very year we love to share what is Cruising continues to grow in popu- Cruise to the “End of the World” through
new in the world of travel. Here are larity as cruise lines offer more varied the fjords of Patagonia, to Antarctica,
just a few items of interest! ships — in size, amenities and destina- along the fjords of Norway across the
Wellness-themed vacations are on tion. In 2019, 25 new builds are set to be Arctic Circle. Visit cities and villages
the rise. If you have ever returned from added to the global fleet including new along the rivers of Europe, Asia and South
your travels and felt you needed another cruise lines (Ritz Carlton Yachts and even America, or choose to spend leisurely
vacation to get over the first, perhaps a Virgin will launch in 2020). Whether you days at sea, sometimes the best days of
trip designed to make your physical and prefer the large ships with every possible all! New ship design is focused on the
mental wellbeing a priority is exactly gadget (race tracks, waterslides, sky- environment. Solar panels, recycling pro-
what you need. Spa vacations are no diving, laser tag, boardwalk style decks grams, more efficient engines, use of bio
longer about bland food and basic condi- and more), ships that focus on the fuel and several cruise lines, including
tions. There is every level of luxury and onboard experience (dining, entertain- Hurtigruten and Ponant, are building
destinations both warm and cool. While ment, educational options) or ships that Hybrid-powered vessels.
goat yoga is 2018, horse yoga is now in. deliver you in comfort to remote loca-
Who knew? tions, there is an experience for everyone. There are more options than ever for
those who are looking for a more active

20 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

” A little planning can make sure you get
all the experiences you want from your
vacation and help you to avoid any pitfalls.
to cook with a local family or assist at a consulate to obtain a visa before leaving
getaway. Whether you enjoy hiking, wildlife refuge. Travel as a local by train, Canada. You will be turned away at the
biking or even walking, many tour organ- try out local street food favourites, visit airport if you don’t have the proper doc-
izers include options for guests to get up the Sunday market or work with a local umentation. Make sure you double check
close with destinations — get off the charity to give back — use your time and your flight times and allow plenty of time
expressway and beyond where the coach energy to help others while exploring a for departure and arrival formalities (cus-
can take you. Even cruise lines are different country and culture. And you toms and immigration, security). It is
offering more options in port — from can still allow time to visit museums or better to arrive too early and to have to
cycling to kayaking, dogsledding to stay in a world class city. wait in a departure lounge than to miss
ziplining. your flight entirely due to long line ups at
Airlines are introducing more classes the border. For the same reason, a short
If you don’t wish to stand out as a of service. The most popular is premium connection time may seem like it saves
tourist, 2019 offers more ways to get a economy — between economy and busi- overall travel time, but a missed connec-
“local experience”. Whether staying at a ness class both in fares and amenities. tion is a nuisance no one likes to endure.
farmhouse in Tuscany or a castle in Scot- Least popular is “basic” economy which An increasing number of countries are
land, a treehouse in the Amazon or a is meant only for those to get from point making travel insurance a requirement
Masai campsite. Perhaps you would like A to B without any frills (i.e. luggage, seat for a tourist to even enter their borders.
assignments or flexibility). Food service And don’t forget to bring proof! Contrary
has been eliminated from most flights, to what many travelers believe, OHIP is
with the option to purchase snacks or not sufficient coverage for travel outside
meals. Keep in mind that there is never of Canada.
enough to feed every passenger, so be
sure to bring along your own snack just With so many options to travel, it may
in case. If you miss the days of airline be difficult to choose just one trip this
food — United Airlines is publishing a year. A little planning can make sure you
cookbook featuring many of its recipes get all the experiences you want from
(served in Business Class of course). They your vacation and help you to avoid any
say that our taste buds don’t function as pitfalls. The memories of our travel expe-
well at 35,000 feet so these recipes may riences last a long time so make sure they
become your go to favourites. are incredible! HH

Our Changing World — now more Ready to be inspired? For more information
than ever, travelers need to learn about visit www.HumberBayTravel.com
their destination before departing. Some Humber Bay Travel, 88 Palace Pier Ct. #103.
countries require a passport valid for the 416-236-2266 • [email protected]
duration of your stay, while others
require validity for six months beyond
your departure. Visa requirements for
entry to various countries may have
changed from the last time you visited.
While some countries have moved to an
online “Electronic Travel” approval or
allow purchase of a Visa upon arrival,
some still require that you visit your local

WINTER 2019 | HUMBER HAPPENINGS 21

COMMUNITY News

FROM THE DESK OF COUNCILLOR

MARK GRIMES

I would like to begin by thanking you, issues, events and notices. As always, if things for our expanded Etobicoke- PHOTO: ANDY ZAV
the Etobicoke-Lakeshore community, you ever require assistance with a munic- Lakeshore community. We can be
for once again putting your trust in ipal issue then please feel free to contact champions of transit, affordable housing,
me as your City Councillor. We have me at [email protected]. road safety and the environment and
achieved great things and I look forward truly build a complete community. We
to continuing along this path to pros- I look forward to continuing my work have worked together for a long time now
perity that we have forged together. with the residents of the Humber Bay and we can look around our community
Shores community and the Humber Bay and see the magnificent things that we
As per the latest census data, Ward 3 is Shores Condo Association to ensure that have accomplished together; there is a
a community of 129,080 people with this rapidly transforming area works for reason why so many people call Etobi-
59,735 households. everyone. Already we have seen what we coke-Lakeshore home. Let's continue to
can accomplish by working together with show everyone why Etobicoke-Lakeshore
Facing the reality that we are now one the implementation of the Mimico GO has become one of the premier destina-
of the most populous municipal wards in express bus route and a long fought for tions to live, work and play in the City of
North America, communication is vital Pedestrian Crossover on Marine Parade Toronto. HH
to ensuring continued active engage- Drive which is scheduled for activation in
ment by our community. I would like to February 2019. We can look forward to the Mark Grimes is the Councillor for Ward 3
continue to keep you all informed on incoming improvements to Waterfront Etobicoke-Lakeshore. He is a life-long resi-
everything that is happening in our com- Trail scheduled for completion this year dent, activist and businessperson in south
munity. The best way that I can do that is that will help make the trail safer for all Etobicoke. He can be reached by email at
through my weekly eNewsletter, where I users. While we have made significant [email protected], or by phone
will let you know about events, commu- progress in the area of traffic manage- at 416-397-9273
nity consultations and City programs ment, there is still work to be done and I
and projects. You can sign up to receive look forward to seeing what the Park
this eNewsletter at www.markgrimes.ca Lawn Lake Shore Transportation Master
where I will also post highlights from Plan has in store for us.
City Council, updates on major projects
and statements concerning issues sur- I thank each and every person who has
rounding our community. If you have reached out to me to voice their concerns
signed up and have not received eNews, and ideas about how we can make
then please check your junk mailbox or improvements to our community; this is
spam filters. My website has been a passionate group of thoughtful, forward
updated to reflect the Ward boundary looking people striving to make each day
change, and can be used as a source of better than the last.
information for municipal and local
Over the next term we can do great

22 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

WINTER 2019 | HUMBER HAPPENINGS 23

lifestyle

24 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

THE BENEFITS OF much more discipline and focus, prac-
ticing is much easier. Most importantly,
Music Lessons no one is making you learn an instru-
ment; you actually want to do this!
for AdultS
YOU’LL GET MORE THAN YOU EXPECTED
BY FRANK HORVAT, REGISTERED MUSIC TEACHER
Whether your interest is in studying Clas-
Y ou may have heard of all the bene- effects of aging on neural timing, which sical music or more popular styles or
fits for children of learning to play a can help to offset the deterioration of improvising and composing, through
musical instrument. It improves speech and hearing skills. Music is a way to learning music and the guidance of your
their academic success in subjects such challenge our brains, helping us stay teacher, you’ll gain a greater understanding
as math and English; it builds creativity sharper and more alert. A more active brain of our cultural heritage and get to know
and discipline and it even increases their means a higher quality of life! more about composers and music history
IQ. But the benefits of learning an instru- from Bach to Duke Ellington.
ment aren’t just for children - increased QUALITY OF LIFE
IQ and all! You’ll become part of a whole new
I have adult students who will go to community of musicians. Meet new
BRAIN FUNCTION extraordinary lengths not to miss their people if your teacher organizes recitals,
weekly lesson. Why? For them, going to learn to play duets with other students or
As they say, ‘use it or lose it’ and there is no their lesson is like going to the spa. It be the one to initiate the singing of
better way to ‘use it’ as learning music relieves stress, depression and burnout Christmas carols around the piano or
builds stronger connections between the from a tough week at work. Playing accompany the campfire tunes.
regions of the brain, increasing memory releases dopamine in the brain, giving
and attention. It actually builds grey you a little escape from the everyday. Learning to play an instrument is the
matter! Learning to play music not only Learning an instrument opens worlds of perfect activity as it is artistic, athletic,
helps stop damage to the brain as we age artistic expression, creativity, self-confi- emotional and intellectual all at once.
but can help reverse it. According to a study dence, personal growth and a regular Find a qualified teacher who wants to
from Northwestern University, taking sense of accomplishment that can be help you achieve your specific goals and
music lessons as an adult can reduce the hard to get elsewhere. have fun with it! HH

TIP BOX IT’S EASIER AS AN ADULT Frank Horvat is a Humber Bay Shores resi-
dent and a registered music teacher with a
Live in a It is never too late to learn and master an private teaching studio in Mimico
condo? An instrument that you’ve always wanted to (www.frankteachespiano.com). An award-
88-key key- play. In fact, adults have many advantages winning composer and concert pianist, Frank
board is in learning over children. You’ve had a has over 20 years of teaching experience and
compact, can lifetime of understanding music just by is an active workshop clinician. Interested in
fit into any all the listening you’ve done. Your far learning to play piano? Call 416-503-4789 to
corner and allows you to play any advanced analytical and emotional skills book a free consultation.
time of day with headphones. make it easier to understand the music
you are playing and a greater attention
span can make learning quicker. With

WINTER 2019 | HUMBER HAPPENINGS 25

expert adviCe

MAKING THE MOST
OF YOUR RRSP & TFSA.

WHAT IS AN RRSP LOAN?
WHICH STRATEGY IS BEST FOR YOU?

BY MICHAEL STORINO, CIM, FCSI , INVESTMENT & WEALTH ADVISOR

throughout the year. This can result in
greater growth over time compared to
contributing a lump sum at the end of
the year.

W hen it comes to saving for your working years. You do eventually pay tax WHAT IS A TAX-FREE SAVINGS
retirement or putting money when you withdraw income in retire- ACCOUNT (TFSA) AND HOW DOES
away for a rainy day, you can’t beat ment, however in theory the tax payable IT WORK?
the tax advantages offered by con- should be lower as your income
tributing to a Tax Free Savings Account decreases in retirement. The TFSA is an extremely flexible savings
(TFSA) and/or a Registered Retirement account that can meet a wide range of
Savings Plan (RRSP). Here are some tips Not only are your contributions tax- needs. It can help you save for short term
on making the most of each. deductible, they also grow on a goals like a vacation or home renovation
tax-deferred basis. In other words, while or be used to earn tax free income in
WHAT ARE THE BENEFITS OF AN RRSP? your investments sit in your RRSP, their retirement. You can even use a TFSA
growth is sheltered from tax so the total simply as an emergency fund from sur-
Contributions to your RRSP are tax- value can grow more quickly. plus savings you may have.
deductible which means contributing to
your RRSP will help reduce your income Also consider contributing earlier in The main feature of a TFSA is that any
tax burden during your higher income the year or setting up a pre-authorized growth from capital gains or dividends
contribution plan for regular intervals you accumulate is not taxed. Since you
do not receive a tax benefit contributing
to a TFSA, you are not taxed when you
withdraw from a TFSA. You can withdraw
as much as you want, whenever you
want, for whatever reason you want –
and you pay no taxes on the withdrawal.
What’s more, any amounts you withdraw
are added to your available contribution
room for future years beginning on Jan-
uary 1 of the following year.

Any Canadian resident aged 18 and
older with a Social Insurance Number

26 HUMBER HAPPENINGS | WINTER 2019 W W W. H B S C A . C A

As always, if you are unsure about any
of the rules regarding RRSP or TFSA con-
tributions, contact your accountant or
financial advisor. We are always happy
to help.

This article is supplied by Michael
Storino, CIM, FCSI, an Investment &
Wealth Advisor with RBC Dominion
Securities Inc. Member-Canadian
Investor Protection Fund. This article
is not intended as nor does it consti-
tute tax or legal advice. Readers should
consult their own lawyer, accountant
or other professional advisor when
planning to implement a strategy. HH

can open a TFSA. The contribution limit BRINGING IT ALL TOGETHER – Financial planning services are available
for the TFSA for 2019 is $6,000. As of Jan- RRSP CONTRIBUTION OR TFSA through RBC Dominion Securities Inc. RBC
uary 1, 2019, anyone who has never CONTRIBUTION? Dominion Securities Inc.* and Royal Bank of
opened a TFSA can contribute a cumula- Canada are separate corporate entities which are
tive total of $63,500. This is very specific to everyone’s per- affiliated. *Member-Canadian Investor Protec-
sonal situation. In many cases a tion Fund. RBC Dominion Securities Inc. is a
Be very careful not to over contribute combination of both can be a sound member company of RBC Wealth Management,
to a TFSA. Work with your Investment strategy. In some cases, making an RRSP a business segment of Royal Bank of Canada.
Advisor to ensure you are within your contribution based on your Room and ®Registered trademarks of Royal Bank of
TFSA contribution limits. CRA has been Income level and investing your Tax Canada. Used under license. © 2015 Royal Bank
known to penalize those who go over the refund (if you get one) into your TFSA is of Canada. All rights reserved. This article is not
allowable limit. the best of both worlds. There are also intended as nor does it constitute tax or legal
situations where borrowing money advice. Readers should consult their own lawyer,
RRSP LOANS: IT CAN MAKE SENSE through an RRSP loan to make your RRSP accountant or other professional advisor when
TO BORROW FOR YOUR RRSP contribution can make sense. Speak planning to implement a strategy.
with your Financial Advisor or give us a
Maximizing your annual RRSP call to help determine whether an RRSP Michael L. Storino , CIM, FCSI, an Investment &
contribution is one of the best ways to Contribution or TFSA contribution is best Wealth Advisor with RBC Wealth Management —
build a secure retirement. for you. Dominion Securities. Member-Canadian Investor
Protection Fund. For more information or to inquire
Sometimes it can be tough to come up MAKING YOUR 2018 RRSP about offered wealth planning services, call 416-
with the money. Plus, if you missed CONTRIBUTION 231-3850 or contact [email protected].
making your full contribution in a www.michaelstorino.com
previous year, you could have a lot of The deadline for your 2018 contribution
catching up to do. is March 1, 2019.

That is why RBC Royal Bank® offers You can contribute up to 18% of your
RRSP loans including a Personal Loan for 2018 earned income to a maximum of
RRSP contributions. RRSP Personal Loans $26,230 minus any pension adjustment
are available with flexible payment from your 2017 T4 tax slip.
schedule options to make your RRSP loan
as worry-free as possible.

WINTER 2019 | HUMBER HAPPENINGS 27

Local Business Feature

THE RUSTIC
SOCIAL HOUSE

BY RYAN WILSON-LALL | CHEF OWNER

L ocated on the picturesque shore of Lake Ontario, Rustic Rustic Social House is about the combined efforts of chefs,
Social House brings unique tastes & flavours to the cooks, servers, farmers, vineyards, and brewers joined in a part-
dining experience.  Bringing family and friends together nership with our guests by providing the highest quality food
to enjoy old world comfort favourites from around the globe service in a warm and welcoming environment.
with a modern twist, not to mention incredible cocktails that
change seasonally. Let your friends and neighbours at Rustic Social House welcome
you to this new spot in the Humber Bay Shores neighborhood! HH



Community news

HUMBER BAY PARK:

A WINTER HAVEN

BY BRUNO CLAUSI | PHOTOS BY DAVID CREELMAN Winter is a wonderful time to experience and
explore our natural surroundings inside or
30 HUMBER HAPPENINGS | WINTER 2019 outside the city.  Since we are fortunate to live so
close to Humber Bay Park, this park too offers a wealth
of possibilities during the winter season. 

Walking along the shore trail or standing on the
beach, one can take in the changing moods of Lake
Ontario and the view of the Toronto skyline.  There are
several well-marked trails for hiking, and there are
plenty of opportunities for snowshoeing, cross-country
skiing, and skating. 

Viewing winter wildlife is one of the top things you
can experience when heading to Humber Bay Park this
winter.  In the fall, chipmunks and squirrels store food,
and during winter they awake for two to three days to
feed on their reserves. Groundhogs hibernate in their
dens throughout the winter.

A number of birds and waterfowl spend winter and
also find shelter in Humber Bay Park.  It’s fascinating to
observe traces of bird activity in the wooded areas.
Many ducks, such as Buffleheads, Hooded Mergansers,
Red-breasted Mergansers,  Redheads, Scaups, and
White-winged Scoters also stay in the filtration ponds
(Dunker’s Pond) in the east end of the park where they
gather and feed.  Mute swans are also a winter fixture,
as are the ubiquitous gulls.  Peregrine Falcons and Red-
tailed Hawks visit as well, and let’s not forget the
ever-present Northern Cardinals.

Humber Bay Park is certainly a winter lover’s paradise
although it is even lovelier and more magical under
snow cover.  Please enjoy your local park responsibly
and appreciate its winter treasures. HH

For more information or to become a member follow
us on Facebook (Friends of Humber Bay Park)
[email protected]

W W W. H B S C A . C A



Celebrating “We travel not
to escape life,
30 years but for life not
to escape us.”
of Business
Working on your
Since 1988, Humber Bay Travel travel wishlist?
has been planning amazing
vacations. Ocean and river Canada Coast to Coast
cruises, sun getaways, cultural The Galapagos Islands
trips to Asia and Europe, villas Machu Picchu
and private charter flights. Bora Bora
Our specialty is putting together Angkor Wat
itineraries that make the most of Iceland’s Northern Lights
your precious vacation time. Serengeti Migration
Himalayas Trek
HUMBER BAY TRAVEL Great Barrier Reef Dive
Private Caribbean Villa
88 Palace Pier Court, Main Floor • FREE PARKING Set foot on Antarctica

(416)236-2266 The world is out there
for you to explore.
www.HumberBayTravel.com
Follow us on Facebook for
travel news, specials and
upcoming events.
@HumberBayTravel

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