Lethbridge Edition January 2018 Receive...

Ask The Experts® - January 2018 Take Your Business To The Experts® Level 1 www.theexperts.ca Phone: 1.888.811.2447Mailed by Ask The Experts® CorporationThe Experts you need to know® Ask Our Experts® The Makeover Experts® Ask The Experts® Turn to The Experts® The Experts® Expert Advice® Ask An Expert® Talk To The Experts® are all registered trademarks

Lethbridge Edition www.theexperts.ca January 2018

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Brad Beazer

on Auto Detailing

Kim ?

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on Denture Wear

Allen Hosack DD.

on Auto Detailing

Kim ?

Your beautiful smile, your ability to chew efficiently, eat nutritiously and enjoy favorite

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all about YOU...on Denture Wear

Allen Hosack DD.

A partial denture is essential if you have missing natural teeth for several reasons:

1. It enables you to chew your food properly for good digestion.

2. It provides lip and cheek support to prevent a “sunken in” appearance of the face.

3. It prevents the migration or “drifting” of remaining natural teeth into the empty spaces left by the missing teeth, which results in the “tipping” of teeth and further compounds existing dental problems.

4. It prevents over eruption of teeth.

Why a Partial is EssentialA partial denture is a dental appliance that replaces one or more missing natural teeth. The replacement artificial teeth are connected with acrylic to a metal frame which is attached to the natural teeth with clasps.

Before having a partial denture made, it is very important to have the remaining natural teeth checked and x-rayed by a dentist to ensure that they are healthy and stable enough to support the attachment clasps of a partial denture.

on Auto Detailing

Kim ?

604 - 6 St. S • 403-327-7244Toll Free: 1-877-467-2251hosackdentureclinic.com


Letter from the Publisher

Kevin Panko, Group Publisher and CEO

Happy New Year and welcome To the January 2018 edition of Ask

The Experts®. We hope that everyone enjoyed their time with family and friends. Now it’s time to look forward to a great year ahead. Thank you to all Our Experts®, we know it takes time and effort to produce these informative pieces each month. Cherished readers please know Our Experts® are always

here to help. So never hesitate to ask them a question or leave feedback. You can always contact us on our website at: www.theexperts.ca to submit a question, comment or concern. So Turn to The Experts® to help you through your New Year. Maybe you’ re looking for a new home, vehicle, or just need repairs done. Our Experts® are ready to serve. God Bless and remember . . .. . . The Experts® you need to Know.

Any opinions expressed in Ask The Experts® are those of the authors. Any duplication of any article in whole or in part without the consent of Ask The Experts Corp®. is strictly prohibited.

Head Office - Medicine HatEditor: Ali JonesAdministration: Ali JonesOffice Phone: 403.527.3155Fax: 403.504.5766Toll-free: 1.888.811.2447Website: www.theexperts.ca

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If you are anything like me you get so excited for Christmas that all of your decor

is up early. However; when Christmas is over I am so ready for a fresh start in the house. With Christmas behind us, we are still in the thick of winter in Southern Alberta, so how do you decorate? When you start to pull out the decor you put away at Christmas time think of putting things in new places. Use your existing decor in different rooms. Basically shop your house and find other places you can put things to give a fresh new feeling in your home. You can still go with a winter theme as that is the season we are in, fuzzy blankets and knit fabrics along with natural elements like pine cones and birch. Just move pieces around your house to find fresh new places for them.

on Home Décor

Becky Van Sluys

on Auto Detailing

Kim ?

The Grey Goat | 1120 1 Ave S | 403-942-1424 | thegreygoat.ca (403)393-5582 / [email protected]

on Tires

James Flanagan

on Auto Detailing

Kim ?

238 22 St N(403) 327-5985

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Merry Christmas& a Happy New Year!


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on Plumbing & Gas Fitting

Ayrton Neudorf

on Auto Detailing

Kim ?

Welcome 2018! We hope you all had a safe and wonderful holiday season!

Neudorf Plumbing & Heating has been in the plumbing industry in southern Alberta for 53 years and we have built many long-standing relationships with homebuilders, related trades and many residentail customers.

We can help homebuilders and homeowners with the selection of fixtures and other items to create a look and feel that meets everyone’s needs.

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on Hearing

Michael B. Golia, BC-HIS ,RHAP

on Auto Detailing

Kim ?

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on Auto Detailing

Kim ?

on Radiology

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on Auto Detailing

Kim ?

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on Real Estate

Ron Lagemaat, ABR® SRS® REALTOR®

on Auto Detailing

Kim ?

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FOR SALE



Not sure how to say Happy New Year!

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Ron Lagemaat Broker/OwnerRight Choice Realty Inc. 403.393.5582

#202 - 1119 3 Ave S, Lethbridge AB T1J 0J5

New mortgage rules put in place by the federal government take effect this

January. It is widely expected that these will have a fairly significant depressive effect on the market, as was their intent. The excessive strictness of these rules means housing activity will be reduced in 2018.

This is possibly good news for an investor who has the down payment available, with room to qualify at the new “stress test” levels. As sales are not as strong, prices may follow with a decrease over the year.

Not everyone will be able to take advantage of the expected lower prices. These rules along with those the feds implemented in October 2017 have affected first-time, young homebuyers most significantly. But also, many people will find, as they try to renew their mortgages, that they will no longer qualify as they did when they first got their mortgage. These people will be facing higher interest rates in order to keep their mortgages.

Certainly, the prospect of moving up this year will be much less likely.

Selection (supply) for buyers may increase as owners choose to downsize, rather than absorb the higher interest rate forced upon them. Again a result of this (intentional to the legislators) is to see a softening of prices, not awesome news for Sellers and the value of their investment right now.

So, Sellers… be particularly strategic this year. Hire a trusted, knowledgeable REALTOR® to assist you with all the aspects of your sale: timing, pricing, appearance, advertising and promotions – one who is capable of pulling out all the stops to market your property in a difficult environment in order to achieve the best value for you.

Yes, this year could be challenging for both Buyers and Sellers. Let us help you to make the Right Choice – give us a call!

There are many things that are more important in your HOME than property values – family, friends, health, love & peace – for these… Have a very Happy New Year!


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on Renovations

Allan Graveline

on Auto Detailing

Kim ?GET WRITTEN ESTIMATES

Get written estimates from more than one business. Provide each business with

a detailed description of the work you want completed and the materials you want the contractor to use.• A written estimate should include:

• A complete description of the work that will be done

• The type and quality of materials that will be used

• The project start and completion dates

• Itemized costs and the total price

• A statement of any guarantees made by the contractor

• The required method of payment.

CHECK REFERENCESThe best way to find a home renovations contractor is through other satisfied customers. Ask around. Have any of your friends or neighbours had similar work done? If so, check out the quality and workmanship to decide if it meets your standards.

Contact your local Better Business Bureau. Check their reliability reports for information about a specific company’s complaint history.

WARNING FLAGSAvoid contractors who:• knock on your door to tell you they just happen to be doing some work in the area and can give you a special price (most problems relating to home renovations involve contractors who solicit contracts door-to-door)

• promise a discount if you allow them to use your home to advertise their work (the contractor has probably made the same offer to everyone)

• quote a price without seeing the job

• demand a large down payment to buy materials (most reputable contractors maintain charge accounts with their suppliers)

• refuse to give you a written contract outlining what they will do or who won’t allow you to get other estimates

• provide a post office box as their address or an answering service for a telephone number

• will not commit to a specific start and completion date.

Before you hire a contractor to do renovations or repairs to your

home, do your homework...

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Based on honesty, integrity and experience, A-Line Renovations has earned a

reputation for excellence in the southern Alberta area. We provide quality, cost-effective solutions and fully customized interior and exterior renovations that meet your unique requirements. A-Line Renovations will never lower our standards just to get a sale. Instead, we will work within your specific budget to find solutions that make sense. By using various suppliers and manufacturers, we are able to offer a wide selection of windows, doors and other renovation materials. This allows us to always do what is best for your project needs. Our skilled team looks forward to finding a solution for you.

Customized & Cost-EffectiveRenovations in Lethbridge

on Renovations

Allan Graveline

on Auto Detailing

Kim ?

Before After

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on Immigration ServicesLina Hijazi

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on Immigration ServicesLina Hijazi

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Pre-planning a funeral means no money needs to be paid. Does your loved

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If you pre-plan by simply writing a few decisions down, it can relieve a tremendous amount of stress for your loved ones.

Come down to Salmon and Sons Funeral Home and receive a complimentary Pre-Planning booklet.

on Funeral Planning

Nicolas Salmon

on Auto Detailing

Kim ?

Salmon and Sons is 100% independently owned and operated and we provide a wide range of services for Lethbridge and Southern Alberta.

24 hours, 7 days a week. We are always here for you no matter what time of day or night. There is no definite timeline when a loved one passes away, and at that moment Salmon and Sons is here for you and your family. We want to be available whenever you need us.

• Traditional Funeral services• Transfer of Prearrangements from other Funeral Homes• Memorial services• Grave side services• Immediate cremation services• Prearrangement planning services• Aftercare• Comfort dog

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on Inkjet, Laser Toners & More!

Island Inkjet Lethbridge

on Auto Detailing

Kim ?

We have been serving Lethbridge and southern Alberta since 2003 from our location inside the Centre Village Mall. From our humble beginning as a kiosk, we now have a full store where most major brands of inkjet cartridges are professionally remanufactured! We also have a full line of business quality laser toner cartridges for most major brands.

Looking to replace your existing printer or just have questions? Come in and we will discuss the best printing solution for your specific needs. All products we carry are backed by our personal guarantee.We also carry Nutmanproducts!

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on Business Coaching

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Garth McDonald

on Auto Detailing

Kim ?

on Auto Detailing

Kim ?

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120 8 St S #202, Lethbridge (403) 866-1618




Whether you are looking for ways to grow the profit in your

company or methods to attract high performing team members - we can help!

Perhaps you just want to know how you can attract more new

customers or have your existing customers spending more!

Or you might just want the chance to take a well deserved break without worrying about the business when you are gone!

Whatever your goals are - I can help. This 1 hour coaching session gives you practical, easy to implement and proven business strategies that will make a difference in your business straight away. Call me today at 403-866-1618 or to go my website and see how your business can THRIVE!

BNI provides a positive, supportive, and structured environment for the development and exchange of quality business referrals. It does so by helping

you build personal relationships with dozens of other qualified business professionals.

Last year, members of BNI passed millions of referrals that generated billions of dollars of business for each other.

Belonging to BNI is like having dozens of salespeople representing your business.. ..and in return you are representing their businesses. What goes around comes around. If I help you, you’ll help me and we will both benefit as a result. Call me today for more info!

(403) 866-1618

BNI120 8 St S

#202, Lethbridge(403) 866-1618


Garth McDonald

on Auto Detailing

Kim ?


on Auto Detailing

Kim ?

*

EVERYTHING.

In today’s changing economy, the right

connections are

EVERYTHING.How will you grow your business?We help our members grow their business through a structured, positive and professional referral program that enables them to develop meaningful, long-term relationships. Give me a call today! (403) 866-1618

If you want your business to really get off the ground, you need to know who your customers are,

find them, and make them loyal to your brand. By knowing your base, you can target their specific needs and wants, which will turn them into repeat customers.

Discover valuable strategies, tested tools, and proven systems to build any business (especially yours) right now! Just give me a call!

With over 25 years experience in massage

therapy, practicing a variety of treatment modalities, the goal is always for improved health and wellness, and relaxation.

So ease your aching muscles and reduce your daily stress. RELAX & ENJOY.

At Ease Therapyregistered massage therapy

Swedish Relaxation, Shiatsu, Reflexology, ReikiThe Alpha Health Environment Capsule

on Massage Therapy

June McGlenn (RMT)

on Auto Detailing

Kim ?

2650 South Parkside Drive S(403) 327-9770

Hot/Jade Stones | Body Wraps | Relaxation ProductsGift Certificates | Covered by Most Insurance Policies

Start the New Year off with relaxationand a healthier you - Call Us Today!

315 Stafford Dr N | 403-328-6353We do it all...honestly!

Providing honest and reliableAuto and Light Truckrepair for 41 years.

We specialize in Custom Exhaust & Muffler installation.

Call today. 403.328.6353


Above and Beyond - Have you ever used the services of a business for the first time and experienced a level of service that was far better than you had expected or ever experienced anywhere else?

What meaningful way can a customer recognize an excellent buying experience? The first thing that comes to mind is a monetary tip. Although employees appreciate tips, business management also deserves recognition as well as information about their customers’ experiences; and there is an easy way to do that: look up the business name on Google and write a positive review or fill in the customer satisfaction survey that might be made available at the place of business.

Savvy buyers often use Google reviews in addition to word of mouth referrals to determine if they want to do business with an organization. So that quick comment can have a great deal of power. Another way to show appreciation is to nominate a business for recognition through a local Chamber of Commerce. Each year Chambers across the country hold annual recognition events to honor the hard work of business owners and their employees and everyone who is nominated is recognized.

So the next time a business has made you feel special – don’t keep those feelings to yourself, provide feedback that will have long-lasting impact.

on Trophies & Awards

Lethbridge Trophies

on Auto Detailing

Kim ?

division of Mirage Laser Designs


Lethbridge Trophies

on Auto Detailing

Kim ?


Custom Clothing To Promote Your

Brand!


We deal exclusively in all your towing & wiring needs!

Trailer Servicing • Hitches • Wiring • Towing Specialists

(403) 328-4077 • 1402 2 Ave S. • www.gethitched.ca

Be ready for the perfect snow. When it’s time to hit the slopes, AN OPEN AIR SKI OR BOARD CARRIER or protective box lets you load all your skis, snowboards, and gear. Safely, securely, and with room in the car to spare!

on Trailer Hitches

Chris Bennett

on Auto Detailing

Kim ?

SAVE the GST!On all carriers. In stock only, see store for full details

Bring in this ad &With over 25 years

experience in massage therapy, practicing a variety of treatment modalities, the goal is always for improved health and wellness, and relaxation.

So ease your aching muscles and reduce your daily stress. RELAX & ENJOY.

At Ease Therapyregistered massage therapy

Swedish Relaxation, Shiatsu, Reflexology, ReikiThe Alpha Health Environment Capsule

on Massage Therapy

June McGlenn (RMT)

on Auto Detailing

Kim ?

2650 South Parkside Drive S(403) 327-9770

Hot/Jade Stones | Body Wraps | Relaxation ProductsGift Certificates | Covered by Most Insurance Policies

Start the New Year off with relaxationand a healthier you - Call Us Today!

FREE ESTIMATES

Localy Owned & Operated | Over 10 years serving Lethbridge & area

Monday to Friday: 8:30am-5:00pm

CNC MACHINED | Over 25 years experience

GIVE US A CALL & LET US ROCK U!

We Specialize In Granite, Quartz, & Marble

P: 403-320-7138 | F: [email protected] | 1515 33 St North

www.graniteplusinc.com


130, 2037 Mayor Magrath Dr S 403-394-3301| Toll free 1-855-394-3301

www.cruiseshipcenters.com/Lethbridge

on Travel

Cheryl Vandersteen

on Auto Detailing

Kim ?

September 9 toSeptember 17, 20189 Days • 13 Meals

Set out on a journey full of dramatic contrasts. Come to know

Iceland, a place where steaming lava fields reflect a volcanic nature

and massive glaciers sculpt mountains and valleys, leaving thundering waterfalls and plunging fjords. Begin in the capital city of Reykjavík. Join a local expert for a walking tour of the city’s old section featuring Hallgrimskirkja church, city hall, the harbour and Reykjavík’s oldest building, home of the Kraum Icelandic design centre. Set sail among the huge icebergs of the Jökulsárlón Glacial Lagoon, and taste the 1,000-year-old ice, and possibly see some seals. Plus so much more! Call for details and pricing.

Iceland: Land of Fire & Ice


Above and Beyond - Have you ever used the services of a business for the first time and experienced a level of service that was far better than you had expected or ever experienced anywhere else?

What meaningful way can a customer recognize an excellent buying experience? The first thing that comes to mind is a monetary tip. Although employees appreciate tips, business management also deserves recognition as well as information about their customers’ experiences; and there is an easy way to do that: look up the business name on Google and write a positive review or fill in the customer satisfaction survey that might be made available at the place of business.

Savvy buyers often use Google reviews in addition to word of mouth referrals to determine if they want to do business with an organization. So that quick comment can have a great deal of power. Another way to show appreciation is to nominate a business for recognition through a local Chamber of Commerce. Each year Chambers across the country hold annual recognition events to honor the hard work of business owners and their employees and everyone who is nominated is recognized.

So the next time a business has made you feel special – don’t keep those feelings to yourself, provide feedback that will have long-lasting impact.


Lethbridge Trophies

on Auto Detailing

Kim ?



Lethbridge Trophies

on Auto Detailing

Kim ?


Custom Clothing To Promote Your

Brand!



on Pharmacy

Martie Dick

on Auto Detailing

Kim ?

Gail’s Apothecary & Compounding Pharmacy

#2, 425-13 Street N | (403) 329-4121gailsapothecary.ca

Hypothyroidismand the

Compounding Pharmacy

The thyroid system affects every bodily function by

regulating energy and heat production, growth, and tissue repair and development; stimulating protein synthesis; modulating carbohydrates, protein, fat metabolism, and digestion; modulating muscle and nerve action; and helping regulate hormone excretion and oxygen utilization.

In healthy people, the thyroid makes just the right amounts of two hormones, T4 and T3. Hypothyroidism is an under production of thyroid hormones (the body produces too much TSH, and too little T3 and T4) and is quite common as we age. Other causes of hypothyroidism include Hashimoto’s disease, a condition in which your immune system attacks your thyroid, often leading to an underactive thyroid gland.

Some patients can suffer from Wilson’s Syndrome, an impairment in the conversion of T4 to T3 which causes a maladaptively slow metabolism rate, resulting in a cluster of seemingly unrelated symptoms. This is often caused by significant physical, mental, or emotional stress (often persisting after the stress has passed), and characterized by routine thyroid blood tests in the normal range with a body temperature pattern that runs below normal.

Hypothyroidism may exhibit many (and multiple) symptoms that include: • Fatigue• Weakness• Depression• Constipation• Memory loss• Irritability• Hair loss• Coarse, dry hair• Dry, rough pale skin• Decreased libido• Extreme Intolerance to cold Temperatures• Muscle cramps and frequent muscle aches

• Weight gain or increased difficulty losing weight• Abnormal menstrual cycles Although both T4 (thyroxine, an inactive form that is converted to T3 in other areas of the body) and T3 (triiodothyronine, the active form) are secreted by the normal thyroid gland, many hypothyroid patients are treated only with levothyroxine (synthetic T4). Some

hypothyroid patients remain symptomatic, and T3 may also be required for optimal thyroid replacement therapy. However, the only commercially available form of T3 is liothyronine sodium in an immediate release formulation which is rapidly absorbed, and may result in higher than normal T3 concentrations throughout the body causing serious side effects, including heart palpitations.

Research indicates there often times can be a need for sustained-release T3 preparations in order to avoid adverse effects. A randomized, double-blind, crossover study found inclusion of T3 in thyroid hormone replacement improved cognitive performance, mood, physical status, and neuropsychological function in hypothyroid patients. Two-thirds of patients preferred T4 plus T3, and tended to be less depressed than after treatment with T4 alone. Patients and their physicians may wish to consider the use of sustained-release T3 in the treatment of hypothyroidism, particularly when the response to levothyroxine (T4) has not been complete. (J Endocrinol Invest 2002 Feb;25(2):106-9; N Engl J Med 1999 Feb 11;340(6):424-9).

Many patients have tried commercially available thyroid hormones, such as levothyroxine and liothyronine, and have found that a combination of T4 and T3 is the only form that works adequately for them, reporting that they simply do not feel as well when they take levothyroxine or liothyronine alone. Our pharmacy can blend T4 and T3 pure powders in a specific ratio by as prescribed by your doctor. Commercially available tablets contain fillers and excipients that may not be tolerated by all patients. When we compound customized dosages, we have the ability to omit any problem-causing inactive ingredients and substitute non-reactive fillers. When the medications that are commercially available aren’t right for you, we can work with your doctor and prepare slow-release capsules of levothyroxine (T4) and liothyronine (T3) in any strength. Gail’s Apothecary & Compounding Pharmacy can assist in monitoring the effectiveness of your therapy and adjust your medication as directed by your doctor, to assure optimal results. Our highly trained compounding pharmacists and staff are available to discuss individualized prescriptions, thyroid conversions, and all other considerations in therapy options.

on Pharmacy

Martie Dick

on Auto Detailing

Kim ?

Gail’s Apothecary & Compounding Pharmacy

#2, 425-13 Street N | (403) 329-4121gailsapothecary.ca

High BloodPressure

(Hypertension)

What is high blood pressure?Blood pressure is a measure of how hard the blood pushes against the walls of your arteries as it moves through your body. It’s normal for blood pressure to go up and down throughout the day, but if it stays up, you have high blood pressure. Another name for high blood pressure is hypertension.

When blood pressure is high, it starts to damage the blood vessels, heart, and kidneys. This can lead to heart attack, stroke, and other problems. High blood pressure is called a “silent killer,” because it doesn’t usually cause symptoms while it is causing this damage.

Your blood pressure consists of two numbers: systolic and diastolic. Someone with a systolic pressure of 120 and a diastolic pressure of 80 has a blood pressure of 120/80, or “120 over 80.” (The systolic number shows how hard the blood pushes when the heart is pumping. The diastolic number shows how hard the blood pushes between heartbeats, when the heart is relaxed and filling with blood.) Adults should have a blood pressure below 140/90 mm Hg. High blood pressure is 140/90 or higher.

Many people fall into the category called high-normal (130–139/85–89). People with high-normal measures need to make lifestyle changes to bring the blood pressure down and help prevent or delay high blood pressure.

What causes high blood pressure?In most cases, doctors can’t point to the exact cause. But several things are known to raise blood pressure, including being very overweight, drinking too much alcohol, having a family history of high blood pressure, eating too much salt, and getting older. Your blood pressure may also rise if you are not very active, you don’t eat enough potassium and calcium, or you have a condition called insulin resistance.

What are the symptoms?High blood pressure doesn’t usually cause symptoms. Most people don’t know they have it until they go to the doctor for some other reason. Without treatment, high blood pressure can damage the heart, brain, kidneys, or eyes. This damage causes problems like coronary artery disease, stroke, and kidney failure. Very high blood pressure can cause headaches, vision problems, nausea, and vomiting. These symptoms can also be caused by dangerously high blood pressure called malignant high blood pressure. Malignant high blood pressure may also be called a hypertensive crisis or hypertensive emergency.

How is high blood pressure diagnosed?Most people find out they have high blood pressure during a routine doctor visit. For your doctor to confirm that you have high blood pressure, your blood pressure must be at least 140/90 on three or more separate occasions. It is usually measured 1 to 2 weeks apart. You may have to check your blood pressure at home if there is reason to think the readings in the doctor’s office aren’t accurate. You may have what is called white-coat hypertension, which is blood pressure that goes up just because you’re at the doctor’s office. Even routine activities, such as attending a meeting, can raise your blood pressure. So can commuting to work or smoking a cigarette.

How is it treated?Treatment depends on how high your blood pressure is, whether you have other health problems such as diabetes, and whether any organs have already been damaged. Your doctor will also consider how likely you are to develop other diseases, especially heart disease. You can help lower your blood pressure by making healthy changes in your lifestyle. If those lifestyle changes don’t work, you may also need to take pills. Either way, you will need to control your high blood pressure throughout your life.

If you have high-normal blood pressure, your doctor will likely recommend lifestyle changes. These may include losing extra weight, exercising, limiting alcohol, cutting back on salt, quitting smoking, and eating a low-fat diet that includes more fruits, vegetables, whole grains, and low-fat dairy foods. If you have high blood pressure without any organ damage or other risk factors for heart disease, your doctor may recommend that you take medicine in addition to making lifestyle changes. If you have high blood pressure and have some organ damage or other risk factors for heart disease, you may need to try various combinations of medicines in addition to making big lifestyle changes.

Most people take more than one pill for high blood pressure. Work with your doctor to find the right pill or combination of pills that will cause the fewest side effects.It can be hard to remember to take pills when you have no symptoms. But your blood pressure will go back up if you don’t take your medicine. Make your pill schedule as simple as you can. Plan times to take them when you are doing other things, like eating a meal or getting ready for bed.

What can you do to prevent high blood pressure?

There are six lifestyle changes you can make to help prevent high blood pressure:• Lose extra weight. • Eat less salt. • Exercise.• Limit alcohol to 2 drinks a day for men and 1 drink a day for women and lighter-weight men.• Get 3,500 mg of potassium in your diet every day. Fresh, unprocessed whole foods have the most potassium. These foods include meat, fish, non-fat and low-fat dairy products, and many fruits and vegetables.• Follow the DASH eating plan (Dietary Approaches to Stop Hypertension). This diet is rich in fruits, vegetables, and low-fat dairy products and low in fat.

on Debt Consultation

Darrell Pauls

on Auto Detailing

Kim ?

Unit 26- 495 W.T Hill Blvd S (403) 332-7361www.4pillars.ca


Darrell Pauls

on Auto Detailing

Kim ?

201-5018 50 Street(403) 755-1757www.4pillars.ca

How to Avoid

Using Debt Consolidation Contiuned...

In order to qualify for a consolidation loan you will need to have good credit. You will also

need to have a long enough credit history to prove to the bank that you will make good on your end of the bargain. A bank will also look at your income to ensure that you will be able to afford the new payment. If you were previously making minimum or interest only payments, then your new consolidation loan payment may be much higher than what you are paying now. If your income is low, then this may not be an option that will be in your favor. Another thing to consider is how much debt you have in comparison to your income. If you have too much debt, a bank may not approve you to take on more debt. Normally banks will only allow you to borrow up to 40% of your annual income for

a consolidation loan. So if you have a large debt load, this may not be the right option for you.

If you are struggling with debt and you won’t qualify for a consolidation loan, there are other options available. If you would like to learn more about your options give 4 Pillars Lethbridge a call at 403-332-7361 and set up a free consultation. Our consultant will go over your situation with you and present your options to you for becoming debt free.

How to Avoid






We look forward

to serving you!

We look forward

to serving you!

Whether you are looking to plan a fun-filled family holiday or in town for an event, we have a special offer.

Book an experience at the Black Knight Inn hotel.

Dinner Theatre Package

Starting at$13800

*based on dbl occupancy

2929 - 50 AvenueRed Deer, Alberta

1-800-661-8793

/person

Central Alberta Theatre with amazing Dinner Buffet or

Sunday Brunch

• Includesonenightaccommodation withupgradeifavailable• 2DinnerTheatreTickets• BreakfastorBrunch (BrunchAvailableSundayOnly)


Henry MoserRV Sales,

Service & Parts

Authorized Dealer for:

Visit us today! Range Rd 20-5/Hwy 36 km East of Lethbridge | (403) 892-8877

Come see us forJanuary clearance prices

on all trailers, parts and service!


Garth McDonald

120 8 St S #202, Lethbridge (403) 866-1618




BNI120 8 St S

#202, Lethbridge(403) 866-1618


Garth McDonald

on Auto Detailing

Kim ?

on Auto Detailing

Kim ?

*



Garth McDonald

120 8 St S #202, Lethbridge (403) 866-1618




Whether you are looking for ways to grow the profit in your

company or methods to attract high performing team members - we can help!

Perhaps you just want to know how you can attract more new

customers or have your existing customers spending more!

Or you might just want the chance to take a well deserved break without worrying about the business when you are gone!

Whatever your goals are - I can help. This 1 hour coaching session gives you practical, easy to implement and proven business strategies that will make a difference in your business straight away. Call me today at 403-866-1618 or to go my website and see how your business can THRIVE!

BNI provides a positive, supportive, and structured environment for the development and exchange of quality business referrals. It does so by helping

you build personal relationships with dozens of other qualified business professionals.

Last year, members of BNI passed millions of referrals that generated billions of dollars of business for each other.

Belonging to BNI is like having dozens of salespeople representing your business.. ..and in return you are representing their businesses. What goes around comes around. If I help you, you’ll help me and we will both benefit as a result. Call me today for more info!

(403) 866-1618

BNI120 8 St S

#202, Lethbridge(403) 866-1618


Garth McDonald

on Auto Detailing

Kim ?


on Auto Detailing

Kim ?

*

EVERYTHING.

In today’s changing economy, the right

connections are

EVERYTHING.How will you grow your business?We help our members grow their business through a structured, positive and professional referral program that enables them to develop meaningful, long-term relationships. Give me a call today! (403) 866-1618

If you want your business to really get off the ground, you need to know who your customers are,

find them, and make them loyal to your brand. By knowing your base, you can target their specific needs and wants, which will turn them into repeat customers.

Discover valuable strategies, tested tools, and proven systems to build any business (especially yours) right now! Just give me a call!


Darrell Pauls

on Auto Detailing

Kim ?

Unit 26- 495 W.T Hill Blvd S (403) 332-7361www.4pillars.ca


Darrell Pauls

on Auto Detailing

Kim ?

201-5018 50 Street(403) 755-1757www.4pillars.ca

How to Avoid






How to Avoid






We look forward

to serving you!

We look forward

to serving you!

on Tanning

Paige Gretzinger

on Auto Detailing

Kim ?

YOUR FIRST TAN IS FREE!!Improve your energy and elevate your mood by tanning!Locally owned and operated, we have two stand up, two lay down and a leg tanner! Clean rooms and friendly staff. We also have a face, lash and beauty studio in-store! By appointment only! Call Jessica at403-393-5312. Come see us today!

126 N Mayor Magrath Dr(403) 320-8212

adeptexperiencedskilledcrackerjacktrained

geniushandyprofessionalsavvysharp

Print advertising is alive & well. There is more print in your mailbox than ever before.

Ask The Experts® is the ONLY official, registered trademark, with online and print publication/ resource guide

We offer EXCLUSIVITY (no competing companies)

We offer SOCIAL MEDIA / BLOGGING (from youroptional monthly editorial column if you have time to write)

We offer GOOGLE AD WORD search

We offer Editorial based Forum - so that EACH of our advertisers has the opportunity to write a monthly column that personalizes their special offerings,and to educate your clients regarding products and services.

We offer DIRECT MAIL via Canada Post (high profilestand alone printed publication)

We offer ONLINE web component that hyperlinks toeach advertisers website

We offer FRACTIONAL costing overall that isextremely affordable!

BUT THERE IS ONLY ONE Expert®

BECOME AN EXPERT® IN YOURFIELD OF EXPERTISE TODAY!

1-888-811-2447

• Exclusivity• Canada Post direct mail• #1 method of distribution• Great brand marketing for your company• Print, online & social media outreach• & so much more

BECOME AN EXPERT®

IN YOUR FIELD OFEXPERTISE TODAY!

1-888-811-2447

BUT THERE IS ONLY ONE Expert®

adeptexperiencedskillfultrained

geniusprofessionalsavvysharp

1-888-811-2447 | www.theexperts.ca

join

franchise

Established franchise available in your city!

Work your own hours

Make family a priority

Financial freedomEstablish a rewarding career

Change your life!

Call to find out how!

it's me!


Each New Year naturally brings us to reflect on the previous year, while

inspiring us to dream new dreams, set new goals, and make new resolutions. January can often feel like a fresh start, and our desires for the year are often lofty and full of well meaning; yet statistics show that for varying reasons very few people follow through on the goals they set. In fact, in 2013, Forbes magazine reported that just eight per cent of people achieved their resolutions.

The most common New Year’s resolutions surround self-improvement. NBC reported the top three resolutions for 2017 were: ‘getting healthy,’ ‘getting organized,’ and ‘living life to the fullest.’ In fact, there were a total of 118, 977, 270 collective Google searches on these topics over the survey period. It is clear that many people share the desire to find solutions, to feel better about themselves and live a more fulfilling life.

The start of a new year brings us to seek a new start as well; a chance to reinvent

ourselves afresh, or to create a better version of ourselves. The Bible tells us that through Christ we can experience ultimate renewal: “Therefore, if anyone is in Christ, the new creation has come: The old has gone, the new is here!” - 2 Corinthians 5:17

While resolutions and goals are excellent tools for making plans and achieving results, true fulfillment and contentment cannot be achieved by these temporary aspirations. At the heart of it all, it is only through Christ that we will achieve complete fulfillment. He is the God of fresh starts, He’s the Master creator – just look at the world around us! He created each of us with specific desires and purposes that can only be realized through a life with Him.

Perhaps you have never considered Jesus Christ as part of your life’s direction: know that He loves you, and He has a perfect plan for your life. Through Him you will find true peace, joy, and love. Through Him you will have contentment and purpose. His promise is for you: “I will give you a new heart, and a new spirit I will put within you.” - Ezekiel 26:26

This year, let the God of all creation guide your life – it will be the best resolution you’ve ever made.

on Auto Detailing

Kim ?

on Motivation

Pastor Anthony Ens

Happy New Year


on Pre-owned Vehicles

Brad Gillam

on Auto Detailing

Kim ?

2014 RAM 1500 SLT

6 months warranty on all used vehicles!

Come in and test drive your car or truck today!

CREW ECO DIESEL 4X4Nice truck at a Great price point! Perfect for pulling your holiday trailer! This truck comes with A/C, Cruise, tilt steering, power windows and locks, keyless entry, trailer tow package, and the 3.0L ECO DIESEL. Multiple financing options available! All of our pre-owned vehicles come with a vehicle history report, minimum 6 month lubrico warranty.

2015 GMC 2500 SLT SIERRA SLT AUTO 4X4Nice truck at a Great price point! Perfect for pulling your holiday trailer! This truck comes with A/C, Cruise, tilt steering, power windows and locks, keyless entry, trailer tow package, and the 6.0L Engine. Multiple financing options available! All of our pre-owned vehicles come with a vehicle history report, minimum 6 month lubrico warranty and go through an 80 point inspection from a third party inspection facility.

2012 CADILLAC CTS4 PREMIUM AWD SPORTVery nice MID SIZED SEDAN.This CTS comes with numerous options including power windows, power locks, air,cuise tilt, power sliding moonroof and more! The 3.6L V6 combines sporty performance with fuel economy.This vehicle must be seen to be appreciated. Multiple financing options available no matter your credit situation.

2003 F350 CREW LARIAT 6.0L DIESEL 4X4Very nice TRUCK.This Ford F350 comes with numerous options including power windows, power locks, air,cuise tilt, power sliding moonroof and more! Has the 6.0L DIESEL engine EGR DELETE has been done.This vehicle must be seen to be appreciated. Multiple financing options available no matter your credit situation.

$32,995

$33,995

$22,495

$13,995

146 N. Mayor Magrath Dr | (403) 381-6669 | www.jrauto.ca

DOES J&R AUTO SALES BUY VEHICLES?

YES! WE PAY CASH FOR GOOD CLEAN VEHICLES.

DO WE OFFER FINANCING?Yes , J&R Auto Sales has a full service finance dept offering near prime and sub-prime lending sources, all make leasing, and a buy here pay here in house program all at competitive industry rates.

DO WE WARRANTY WHAT WE SELL?J&R offers extended warranty programs on EVERY vehicle we sell, from basic power train to industry leading comprehensive.

CAN WE SOURCE GREY MARKET (US) VEHICLES?J&R has access to thousands of US vehicles that can be a good option for some consumers saving thousands of dollars.

WHAT IS VALUE PRICING?We at J&R sales believe that in order to turn over our inventory, our product must be competitively priced. We believe in our no pressure sales atmosphere and in order to maintain this we do not mark our vehicles up by a ridiculous amount just to discount it later.


on Marketing

Amanda Hofman

on Auto Detailing

Kim ?

106.7 ROCK and KiSS 107.7 1015 3rd Ave S Lethbridge, AB | (403)328-1077

The goal of advertising is to educate potential customers about your business and build sales. It’s important to ensure you’ll get the best return on your investment when teaching people about you. Short & long term campaigns relate very closely to short & long term memory.

Think back to when you were a student and maybe crammed studying for a test. You would have memorized the information enough to get through the test but did you actually learn anything? Can you remember any of it today? Probably not, because the information that’s sent to the short-term memory lacks depth, meaning & quickly evaporates leaving you with nothing.

Similarly short-term campaigns can work if buyers are interested in your product or sale at that time (like the test is relevant at that time). However if they’re not in that buying cycle at that moment – the number of consumers you’re actually reaching is limited, as they will not remember you or your business 2 months from now when they need your product or service.

On the other hand, by actually learning something through repetition and time it goes to your long-term memory. The information links to other stored information already there (about needing a new car, home reno projects, finding a new home etc) by doing this it increases your comprehension.

The result is an emotional connection of being top of mind, increasing the customer’s likelihood of coming to you when your product or service is needed.

Don’t let customers forget about you. To learn more

about putting a campaign to work for you, and for a free marketing consultation, call

us at (403)328-1077

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