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Honey Dressing, with Jaime Oliver

In this video, we see Jamie Oliver keep it simple and let the ingredients shine. We spend a lot of time thinking about food and flavour but make no mistake, we truly appreciate learning from the experts.

This recipe features honey and as natural or raw honey is more readily available in-store and on-line, the flavour comes together easily.

I love Peace River honey from Canada. It’s a flavour I remember from childhood, and would be perfect in this recipe.

At this time of year, you can sub in maple syrup from your favorite Sugar Shack! Adjust the amount to your own tastebuds.

Enjoy Jamie Oliver’s simple and delicious recipe and why not share it with a friend? Click here to watch the video. 

Simple Stretches To Relieve Neck Stiffness

Every day we put our bodies in positions that create stress and tension in the neck region. As a result, the muscles in this area shorten and become tight over time, leading to poor posture, neck stiffness, and discomfort.

The following video will provide you with some simple stretches to help loosen these muscles, increase range of motion, and reduce pain. Click here to watch the video. 

Cultivating Optimism For Good Health And Longevity

These last few years have been a little confusing for optimists like me. There’s a sense that we’re not on firm footing; Pandemics will do that. This roller coaster ride has reminded all of us that we’re not in charge of life’s events but we need to remember that we are in charge of how we respond to life’s events. We can choose to be skeptical, cynical, fearful or we can choose to be optimistic despite the evidence in front of us.

How we respond to difficult situations has a wide ranging impact on us emotionally, physically and spiritually. How we think influences how we feel and over time, how we feel has an effect on our physical health through chemical interactions in our brain, which is connected to every part of the body. So the question is: what is the message you want your brain and body to share?

I get it. We’re not all naturally optimistic but we can learn how to nurture more positivity in our lives and we have excellent motivation to do so. Research tells us that optimistic people have a better quality of life and tend to live longer. Skeptical? Then this blog is for you.

Recent studies conducted at the Montreal Heart Institute show a relationship between optimism and a decreased risk of cardiovascular events as well as a longer life span for optimistic patients, while studies at Carnegie Mellon University in the US show lowered risk of return hospitalization for cardiac bypass surgery patients, who were deemed optimistic.

If you’ve read this far, you’re likely curious about how to increase optimism in your life and by association, you’re choosing to improve your physical health. Optimism isn’t measurable the way we measure blood levels and obvious physical outcomes but there is speculation that optimistic people have healthier habits than pessimists. It’s also suggested that optimists have stronger social connections, are more likely to exercise and more frequently follow medical advice. It should also be noted that it’s perfectly fine to have days when we feel discouraged; it’s just not where we want to stay, if we’re looking to be more optimistic.

So how do we turn up optimism in our lives?

Start with small shifts in your attitude by allowing optimism in. Watch for opportunities to interact with people you see as optimistic; their generous, positive energy will help get the process started. Where perhaps you may have dismissed them in the past, see them as your teacher and be open to receiving their kindness.

Don’t forget to give positive feedback. Most people are reminded by others when they make a mistake but it’s just as important to share positive feedback.

Be mindful of what you’re consuming in the media. Too much News can fuel fear and while it’s important to be informed, make sure to limit your exposure and find resources that make you feel lighter: watching uplifting videos or movies, enriching your day with upbeat blogs, books or television shows.

Watch what you say. It’s easy to be critical and our thinking habits are tenacious. To increase optimism we have to become mindful of the negativity we put out into the world and make the choice to shift what we say to something more optimistic or positive or say nothing. If you’re in conversation with someone and you feel their negativity, I find the best strategy is to just listen without getting into it with them. I also like to say “I’m sorry you feel that way” because I am sorry they feel that way but it’s not my job to correct them or to instruct them. We are all free to think and say what we want but I don’t have to participate in negativity and gossip; I can turn it around by being kind and compassionate. When I come across negative, critical people I recognize that it’s fear speaking and I say to myself “if there’s no audience, there’s no show.” In other words, if I don’t engage in the gossip or negativity the conversation will either end or change course.

Use role models as mentors. Think of people who you consider to be optimistic in your social network, workplace or even on television. When you find yourself challenged by a negative or cynical response to something, ask yourself: what would that person do or say? Then try doing or saying that; it’s another way to let more optimism in.

Look for the good. It’s so easy to find something wrong with just about everything; optimists invest their energy in looking for the good. It’s there in every situation but sometimes we have to look carefully. Ask yourself: what is good about this day? Your brain will go looking for the answer. It’s also helpful to ask yourself what you can learn from challenging situations instead of letting disappointment win. There’s always something to learn that will benefit you in the future.

I want to encourage you to embrace the process of becoming more optimistic even though it’s uncomfortable; even though it may go against deeply engrained habits. We all have negative thoughts, we’re human; it’s what we do with them or about them that makes a difference. I like to remind myself and others that we are all beautiful works in progress and every day, every minute is a new opportunity to learn and grow. There’s no instant fix but the investment you make in yourself by inviting more optimism into your life will improve your overall happiness and allow you to collect more hopeful thoughts about the future.

This Wellings blog by Kathie Donovan was exclusively written for Wellings Communities and appeared first on MyWellings.com.

How To Minimize Tax On Retirement Income

Ah, its tax time, and in our home there is a lot of discussion around the latest rules and next steps.

This month Marci, gives us a few tips for minimizing the tax we pay on our retirement income.

These tips provide a good basis for conversation with your wealth management partner or tax specialist.

Marci Perreault is a partner at KenMar Financial Services, and is available to discuss any aspect of your portfolio.

How To Minimize Tax On Retirement Income

By: Marci Perreault

When you’re retired, you need an income strategy that balances today’s cash flow needs with an investment strategy to safeguard your ability to produce income in the future.

Tax-saving strategies

You will also want to pay as little tax as possible so that you keep more of your hard­ earned savings. Here are four ideas to help you minimize the tax on your retirement income.

Pension income splitting

This is a strategy for couples to reduce taxes by transferring pension income (for tax purposes) from the higher income earner to the lower income earner. The transferring spouse or common-law partner can give up to 50% of their eligible pension income to the receiving spouse or common-law partner. If you are 65 years of age or older, eligible sources for pension income splitting include a Registered Retirement Income Fund (RRIF), a registered pension plan and an annuity purchased with a Registered Retirement Savings Plan (RRSP). If you are under age 65, eligible income is mainly limited to registered pension plan benefits and certain payments resulting from the death of a former spouse or common-law partner. Note that residents of Quebec under 65 cannot split pension income for provincial income taxes.

Withdrawing income in the right order

The traditional rule of thumb is to withdraw first from accounts that are not tax-deferred, such as your non-registered investment accounts. The idea is to put off withdrawals from RRSPs and RRIFs, where all proceeds are taxed as income, attracting the highest rate of tax regardless of how they were earned. It also allows those investments to continue to grow tax deferred.

The truth is that this rule is simplistic and overly focused on current tax savings. Your strategy really depends on how much you have and where those assets are held. It may be that income should be drawn from a mix of sources to achieve the best tax-efficiency both in current and future years. The right order for you will also depend on a number of factors, including whether maximizing government benefits such as the Canada Pension Plan (CPP) and Old Age Security (OAS) is a goal, if you want or need to keep your portfolio growing in retirement, and if you have non-investment income such as rental income or part-time employment income. Estate planning goals may also affect your withdrawal order strategy.

T-series funds

For mutual fund investors, T-series may provide a more tax-efficient way to generate income from your investments. T-series funds are designed to provide a predictable and sustainable cash flow, often at a set percentage which helps with cash flow planning. Depending on the fund’s earnings (usually interest income, dividends and capital gains) the fund may also distribute a portion of the investor’s original investment, known as Return of Capital (ROC). ROC is usually not taxable, resulting in a more tax-efficient payout for you.

If you are not currently in T-series funds, it may be possible to transition to the T-series version from the series of the fund you currently hold without triggering a tax liability. One word of caution: when you receive an ROC distribution, you will lower the Adjusted Cost Base (ACB) of your holding, which could have tax implications later. Careful planning and monitoring are required.

TFSAs during retirement

Tax-Free Savings Accounts (TFSAs) can play a useful role after you’ve retired because of their principal benefit: money earned inside the account is not taxable – even when you withdraw it (unlike RRSPs and RRIFs). If you have retirement assets in a non-registered account, they may be better off in a TFSA (up to the contribution limits) earning income tax-free. Remember that TFSA contribution limits are cumulative and provide room of up to $81,500 as of 2022 if you’ve been eligible to contribute since 2009.

TFSAs also provide a great place to “park” money in retirement. This could include money that you have been required to withdraw from your RRIF but don’t have an immediate use for, as well as money put aside as an emergency fund for unexpected expenses. By sheltering these funds and their profits from tax, you’ll ensure you get the benefit of all your savings.

Customization is key

Every retiree’s situation is unique and there is no “out-of-the-box” solution. While obtaining tax-efficient cash flow is an important goal, so is maintaining the right asset allocation for your portfolio’s long-term health and managing risk according to your own risk tolerance. Most of all, it’s about enabling you to have an enjoyable and sustainable retirement lifestyle. Professional tax and investment advice are needed to achieve the right balance for you.

Did You Know? Eating Blueberries Protects Your Heart

In a study conducted in the United Kingdom, researchers looked into the benefits of eating a daily serving of blueberries among adults at high risk of cardiovascular disease. According to the findings, the 138 participants ranged in age from 50 to 75 years, and they were all classed as overweight or obese. They were given a cup or a half cup of blueberries every day for six months, while the other individuals were assigned a purple-colored placebo pill.

Results showed that eating a daily cup of blueberries cut the risk of heart disease by 12 to 15 percent via sustained improvements in vascular function and reduced arterial stiffness. However, the amount seems to matter – the researchers found no significant benefit from eating a half cup of blueberries daily. Instead, they credited the anthocyanin – flavonoids responsible for the red and blue color in fruits – with the health benefits seen.  

Every day, try including a variety of berries, including blueberries, into your diet. While the benefits of eating in lesser quantities were not immediately apparent in this study population, a half cup of blueberries offers the same antioxidant potential as five servings of any following vegetables: peas, carrots, apples, squash, or broccoli.

Blueberries are also a good source of fiber, with a half-cup serving containing approximately three grams of fiber per cup of fruit. According to recent data, anyone suffering from metabolic syndrome may be relieved to learn that consuming a daily portion of blueberries can reduce the risk of cardiovascular disease in individuals who have the illness.

Furthermore, berries have a vital role in preventing and treating cancer, diabetes, and neurological ailments, among other diseases.

Despite their small size, blueberries are mighty when consumed regularly.

The Distraction Attraction: Is It Helpful Or Harmful

Now that I’ve checked my lottery tickets, had a bath, washed and dried my hair, made lunch and a cup of tea, I think I’m ready to start writing this blog about distraction. The topic has been dancing around in my brain for a while now because I’m fascinated by human behavior and want to understand more about the role distraction plays in all of our lives. So, I put my distractions aside and here we are. Hahaha.

“Your results are the product of either personal focus or personal distractions. The choice is yours.”
– John Di Lemme

Here’s the question: is distraction a good thing or a bad thing? Well there’s a role for distraction and it’s helpful when it leads to interesting results. Sometimes we look for distraction because our work feels monotonous (I’m looking at you bills) or perhaps we have a short attention span and require ongoing stimulation to stay engaged.  If you’re having a challenging day, being distracted by a loved one, a furry or human friend is welcome medicine. There’s nothing like a good laugh to clear out stress or using proven mindfulness tools to take your attention away from feeling unsettled. So, I see the value in distraction but I also understand there’s a flip side.

Distractions are everywhere and we hold one of the biggest diversions in our hands when we scroll on our smart phone or dopamine dispenser. Dopamine is a feel good neurotransmitter the brain releases when we do something that meets a need like eating. Since about 2013, our devices have gradually crept into our lives and taken us over as a top distraction. Regulating how much time we engage with our devices is a real challenge for us humans, especially those with developing minds.

“One way to boost our willpower and focus is to manage our distractions instead of letting them manage us.”
Daniel Goleman

There are so many expectations placed on us at every age and every stage of life that we often turn to distraction to palliate the discomfort of feeling pressured to perform. Too many people move through their day without being intentional around how their day will unfold, so there’s time wasted and opportunities missed. It has to be said that procrastination is one of life’s most challenging distractions to manage and one of the best excuses we humans use when it comes to avoiding achieving something great, like paying the bills or writing the first chapter in your yet unwritten book. Setting an intention at the beginning of the day can be helpful when it comes to guiding our behavior and focus which will determine the results we’ll get. Committing to half an hour a day or each week on the bills or the book will move you closer to realizing your goal. Make sure to prioritize activities in your day and put yourself and social connection with others near or at the top of the list.

Worrying or ruminating are common habits of distraction that are more like place holders than productive practices because they achieve nothing; they’re like chewing bubble gum to solve a math problem. Recognizing that there are situations in life we have no control over and taking some small action on the situation instead of worrying about it helps to lower the stress hormones activated when we think too much.

“All profound distraction opens certain doors. You have to allow yourself to be distracted when you are unable to concentrate.”
– Julio Cortazar

Some people consider daydreaming a waste of time but I disagree. I think we should make time to day dream because that’s when we’re really connected to our imagination and in that creative space, our logical thinking mind can rest. Remember, there’s no expiry date on dreaming and goal setting, so feel free to imagine whatever you wish. When I get stuck while I’m writing, I’ll look out the window and let my mind wander. It doesn’t take long before an idea pops into my head and I’m back at it. So I’m living proof that daydreaming can be a productive practice. It just shouldn’t be a full time job because action, even small action, is the secret sauce when it comes to bringing our dreams to life.

We have high expectations for ourselves and sometimes get to the end of the day feeling like we haven’t accomplished much. Remember there will always be a to-do list and perhaps the distraction you chose, whether it was a walk around the block, a chat with a friend or a good laugh while watching a funny movie was just the thing you needed to make your day rewarding. We are so hard on ourselves and that is certainly counterproductive. So be gentle with yourself dear friends and enjoy every moment of everything because nobody is keeping score of how many things you check off your list. In fact the people who love you just want to see you be happy. So don’t dismiss distractions entirely; rather learn to embrace and manage them, so you can be well and live well.

This Wellings blog by Kathie Donovan was exclusively written for Wellings Communities and appeared first on MyWellings.com.

How To Be A Good Communicator

“Communication is a skill that you can learn. It’s like riding a bicycle or typing. If you’re willing to work at it, you can rapidly improve the quality of every part of your life.”
-Brian Tracy

What does it take to be a good communicator? Click here to join Nat and Kat on a heart-to-heart conversation around ways we can all grow and communicate more authentically each day.  

Step Your Way To A Healthier Life!

Do you know that achieving 10,000 steps a day for health is highly promoted but often not achieved by most people? Well, there is no need to worry for those who find this a daunting task. A new study posted in September 2021 in JAMA Network Open suggests that logging even 7,000 steps a day may go a long way toward better health. The key is to get up and move. As we complete our daily activities, we gain steps, but we can do more. A simple way is to introduce little exercise snack bites into our daily routines. These snack bites encourage you to move more.

Weekly, the Fitness Powers team will be posting on Facebook and Instagram fun activities you can do to step things up in your life for “the health of it.” Join the following video to obtain your little exercise snack of the day. Click here to watch the video. 

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