|

Opinions expressed in this Newsletter do not necessarily reflect
the position of
RTO/ERO or RTO/ERO Toronto.
Third-party opportunities are presented for the reader’s
information only
and do not necessarily reflect endorsement by your editors or RTO/ERO
Toronto.

Cover Photo: Kay Jeffery (centre) and
Carmelita Salazar (right) present a prize to one of the
draw winners at our Fall Luncheon.
From Your Editors:
Welcome to 2012! Your Toronto District 16 Executive and
Editorial Committee hope that this year brings you health and good
fortune.
Our Supplement, to use paper wisely, has been prepared with a smaller
font. We recognize that this may be a bit problematic for some of our
readers and will not make this a regular occurrence.
The March Issue will contain detail about our
District's Annual General Meeting. We hope that you will consider
attending and stay for the Luncheon afterwards. Or, if you're coming to
the Luncheon, arrive early for the AGM. We'll try to include an
interesting guest speaker to augment the business. Typical attendance is
about 80 members. Can we try for 100?
Your editors try to gear our January and June
Supplements to topical issues affecting older citizens. A controversial
issue, but one that is being legitimized more often, is ‘end-of-life
care'. The concept includes euthanasia, doctor-assisted-suicide and the
many legalized variations around the world. Is this a topic we should
pursue? Let us know. Or make an alternate suggestion.

Dates to Remember:
(Our Bridge, Executive and Travelogue activities take place at Holy
Rosary Parish Hall. Google Map on our website.
| February 2012: |
| Art/Sketch |
3 |
| Bridge |
7 |
| Executive Meeting |
9 |
| Friday Movie |
10 |
| Monday Matinée Movie |
20 |
| Bridge |
21 |
| Finance |
23 |
| Travelogue |
22 |
| March 2012 |
| Art/Sketch |
2 |
| Bridge |
6 |
| Executive Meeting |
8 |
| Friday Night Movie |
9 |
| Monday Matinée Movie |
19 |
| Bridge |
20 |
| Finance |
22 |
| Travelogue |
28 |
| April 2012 |
| Bridge |
3 |
| Art/Sketch |
6 |
| Executive Meeting |
12 |
| Friday Movie |
13 |
| Bridge |
17 |
| Monday Matinée Movie |
23 |
| Finance |
26 |
| Travelogue |
25 |
| Yet to Come! |
| Annual General Meeting |
May 2 |
| Spring Luncheon |
May 2 |
| Spring Senate |
May 15 16 |
| Choristers |
May 23 |

President's Message
I have, for a long time, been fascinated by
words. The English language is a luscious collection of wonderful,
expressive vehicles of thought. We learn virtually all that we learn
through language and in turn convey our thoughts the same way. In
poetry, prose and speech we give meaning to our experiences and
expression to our emotions. The alphabet itself is an elegant thing,
containing a mere five vowels delivering essential sounds. OK, sometimes
"Y", right? That makes six, to be quite correct!
It's fun to explore words and play with them.
When I read and come across a new word, I reach for my Concise Oxford
and record the definition. I have my own private inventory, just for
fun.
How about a New Year's challenge? I will offer a
few words that may be new or interesting to you. Each word will appear
in bold type. You can enter the contest for today. Details appear at the
end of this column.
Obsequious: obedient, dutiful,
servile, fawning. This is a great word. It even sounds good. It can be
applied in many circumstances to explain behaviour. If you are in a
relationship, obsequiousness is a survival strategy to be wisely applied
from time to time.
Terminological inexactitude:
This is attributed to Winston Churchill when, in Parliament, he was
accused of lying. His reply was, "What I said was not a lie – merely a
terminological inexactitude". This is a tidy bit that you can use when
and if you are similarly accused. It sounds so scientific, you may get
away with it. Just be careful.
Sycophantic dreck: Not that I am
a fan of Conrad Black, but the man does have a way with words, as this
expression plucked from his writings illustrates. A sycophant is a
toady, a parasitic type who would probably appear obsequious. This term
can be used to dismiss a piece of writing or speech as so much drivel
inspired by an overly zealous desire to please and curry favour. Please
be kind and refrain from applying this term to what you read here.
Wodge: chunk. Here's a word that
is seldom used. "Have a wodge of cheese, my friend". Your friend may not
know what you mean, will decline, and you keep the cheese for yourself.
Ideate: to imagine, conceive,
form ideas. How many times in your life did you "ideate" and didn't even
know it? Be careful in using this word, however, as it is
suggestive of another word starting with the same two letters but
carrying quite another meaning. Maybe don't use it.
Frangible: fragile, breakable.
This is a very good word because it sounds more gentle than its meaning.
It can be used to soften the real impact of an action such as when you
drop a piece of the heirloom china on the floor. You explain that the
material proves to be rather "frangible". Well, you can try.
Dolorous: distressing, painful,
dismal. This can be applied to executive meetings, family gatherings or
a lousy play. Used skilfully in a social setting, it has a definite kind
of intellectual ring to it, especially when applied to a piece of
theatre or literature. Raise the nose slightly and hold forth!
That's the end of the list. Now, here's how the
challenge works. You compose a single, coherent sentence that includes
all of the above highlighted words and submit your effort to the address
below by February 29, 2012. An elite jury chosen from our Executive will
select a winner who will receive a $100.00 gift certificate from
Chapters which could be used to purchase, say, a good dictionary.
Submissions must be typed and the sender clearly identified. You may
submit by Canada Post or by email to:
District 16 contest
C/O E34-288 Mill Rd
Toronto ON M9C4X7
or, eroy.harvey@sympatico.ca
Good luck, Roy Harvey

Our local AGM will occur on
Wednesday, May 2 at the Old Mill. If you have motions you wish
presented, contact Roger Wilson (416•921•5259/rogerapwolson@sympatico.ca
or would like to volunteer on an executive position, contact David
Shanoff (416•656•3245/davshan@sympatico.ca). Our March Newsletter will
contain AGM details.
RTO/ERO awards 25 $1000 Education
Scholarships to selected member relatives.
Parameters and on-line-only applications are available now at
www.rtoerotorontodistricts.org or www.rto-ero.org. Details in our March
Newsletter.
Social/Rcreation Activities
Contact: Telephone/416.927.0416 ~ Email/
csalazar8@sympatico.ca
We try to provide activities according to our members' wishes. If you
would like to lead a group of like-minded individuals, contact Carmelita
at 416•927•0416 or csalazar8@sympatico.ca and we'll help you start.
Possibilities: bowling, billiards, dining, photography, dancercize,
photography, swimming, etc.
Art, Bridge and Travelogue meet at
Holy Rosary Church Parish Hall:

Art
Friends - Convenor Marie Lynch (416•421•4936 /
jmdlmom@yahoo.com ) A group of
like-minded people get together monthly to create and share ideas.
Occasional workshops are given by members or invited guest artists. As a
result of the publicity and positive feedback that Art Friends received
at The New Members' Breakfast in October, our membership has increased
from five to twenty! We have a lovely studio space in Holy Rosary Church
Hall where we meet, sketch and paint on the first Friday of the month
from10:00am to 12:00N.
Bridge
- Convenor Tessie Leung (416•421•9054 /
tessiel@sympatico.ca )
encourages everyone including beginners to join. They play from on the
first, third, and fifth Tuesdays of the month from September to June
from 12:30pm to 3:30pm. You will enjoy the friendly atmosphere of this
group. Tea is served.
Travelogue
- Convenors Dick and Marilyn Holyer (416•929•8512 /
mar.dickholyer@sympatico.ca
) take you around the world through slide or digital presentations and
exotic snacks and treats after the show. They meet the fourth Wednesday
of the month. See Box for up-coming presentations.
|
Travelogue, Wednesday, February 22
/ 1:00pm
Yes, you are right: cruising is not
spelled "kruisen", but, wait! Let me tell you the story.
"Cruising" comes from the Dutch word "kruisen" which means "to
cross." While pirates were searching for treasure ships to
plunder, they would sail in a zigzag pattern moving through the
shipping lanes. Obviously, this form of sailing was not done on
schedule. So, many years later, yacht owners borrowed the word
and applied it to any carefree pleasure voyage. So there!
When
our 12th wedding anniversary rolled round in June of 2010, we
took to the sea again to celebrate our survival! We used
Holland-America because they offer a cruise from Boston to the
Canadian Maritimes stopping at Bar Harbor, Maine. There I was
tempted to jump ship and get a job, any job, in Acadia National
Park, in order to remain in that loveliest of lovely spots.
Champlain had seen this area in the 16th
century and thought it worthy of further exploration. It did
become an exclusive high society resort for a century. A
terrible fire in 1947 changed all that, and Acadia became the
seventh most visited National Park in the United States. Our
pictures may show you why it is so popular. Here we start our
travelogue which will take you on the MS Maasdam to Maine; to
Halifax Pier 21, the new Immigration Museum; to Sydney, Nova
Scotia; to the old French fort of Louisburg, a magnificent
partial restoration by Parks Canada with talented "reenacters"
on duty to tell you their stories; to Charlottetown, PEI, where
the Fathers of Confederation started the whole Canadian thing;
to Québec City, the most European-like destination within easy
reach of lucky Ontarians like us; and, then we say goodbye to
our home at sea in cosmopolitan Montreal to which we will return
about a year later to begin another type of cruise on the St.
Lawrence on The Canadian Empress, a replica of a 1908 type
steamer, which has been offering short cruises since 1982 on a
fifty passenger modern boat with modest but comfortable
accommodation, gourmet food, friendly service, and an
opportunity to do some serious learning about your country. The
latter includes: the economic clout of the Seaway with seven
locks; the historically authentic Upper Canada Village (the
communities on either shore, Canadian and American); the
unrivalled beauty of the Thousand Islands region, which the
natives called Manitawanna, meaning the Beautiful Garden of the
Great Spirit and where tourism began 150 years ago when many of
the rich and famous built elaborate homes and castles. It was
also always a place for the common folk to enjoy "the river
without end" with simpler accommodations available and
reasonable day trips out of the small towns along the shore. We
will end our four day odyssey at Kingston where the St. Lawrence
begins opposite the strategic old city with the Martello Towers,
which were never used to deter an American invasion but remain
impressive.
Come
on board The Canadian Empress with us for a very Canadian
experience! You won't regret it! Two sample photos are included
opposite this article.
Download a complete
description of this Travelogue here!
Hosts: Dick and Marilyn Holyer
|
|
Travelogue, Wednesday, March
28, 2012 / 1:00pm
Umbria, Tuscany, Rome: with Pat
Zuest
Pat, from the Toronto Camera Club, is
back with more magic! A photographer's eye sees Umbria, Tuscany
and Rome from a unique perspective; travel photography reaches
beyond documentation. Our photographic journey begins in Umbria
where time stood still preserving the medieval hearts of the
towns. Known as the country cousin of Tuscany, Umbria presents
green hills, huge fields of flowers, spectacular mountains, and
historic cathedrals. We will visit a monastery hotel where I
stayed and started photographing even as I checked in. Our
journey continues next door in Tuscany .. landscapes to die
for!!! And then, on to Rome where we basked in the history and
daily life of this most historic city.
This is another presentation you wouldn't
want to miss!
Watch our December or January
E-zine
and January Newsletter for details.
|

The following meet at varying
locations:
Book
Club ~ Convenors Lynne Fitzpatrick/
fitz@ruralwave.ca )
and
Elaine MacIntosh/416•463•2637 host this activity from 1:00pm to
3:00pm on the first Monday of the month from the Monday after Labour Day
to June. The group selects one book per month for discussion. A social
follows the discussions. Unfortunately, the group is at capacity and not
taking new members. We will keep the readership informed should this
situation change. We will continue to list our selections for those
interested in what we are reading.
February: Mistress of
Nothing by Kate Pullinger
March: Galore by Michael Crummy
April: Bury Your Dead by Louise Penny
May: In the Garden of Beasts by Eric Larson
Book
Club ~ Non-Fiction: Sharon Goodier
(416•916•6991) hosts this non-fiction book club. An eclectic group, one
brings whatever is being read and tells about it. Maybe we can even
exchange books and save our retired wallets some money. Contact Sharon
regarding coming sessions - space is limited. Two more members from the
New Member Breakfast asked for information but their contact details
were lost. Please contact Sharon as above.
Day
Trips ~ are arranged each theatre season by Jack
DeGroot. Notice is published, Spring and Fall, in our
Newsletter. See box below.
|
The following trips to Stratford and Niagara-on-the-Lake have
been planned for your added pleasure. Some trips are repeated to
avoid possible disappointment in reserving. To make reservations
contact the appropriate person as noted below. The costs noted
for each venue include a matinee performance (A-Plus seating),
transportation by comfortable motor coach, two delicious meals
and all applicable taxes and gratuities.
Once your booking is made, please forward a
deposit of $50.00 per ticket.Cheque is payable to "Club 16" and
must be mailed to: Jack DeGroot, 19 Elmview Drive, Toronto ON
M1N 2W3.
One cheque can be used to cover multiple bookings. Always put
the date(s) of the trip(s) on the face of the cheque.
Stratford Festival ~ $135.00/person
Monday, April 23 42nd Street Festival Theatre
OR Tuesday, October 23
Cynthia Dale returns to Stratford as Dorothy Brock, the star of
Julian Marsh's new show "Pretty Lady". Events take an unexpected
turn when a newcomer wins a place in the chorus - and in
Julian's heart. A great production. Don't miss it.
Monday, May 14 The Pirates of Penzance Avon Theatre
OR Friday, October 26
Once more Gilbert and Sullivan come back to Stratford. In this
operetta, filled with wonderful songs and exciting staging,
Frederick is the indentured sailor to a band of softhearted
pirates. He falls madly in love with Mabel, one of the many
daughters of Major-General Stanley. Don't miss the highly
entertaining unravelling of a state of affairs where lovers are
kept apart by rank
To reserve for the Stratford productions, call
Jack DeGroot at 416•691•3046 beginning at 8.00am
on Monday, February 6, 2012.
Shaw Festival ~ $130.00/person
Wednesday, April 11 Ragtime Festival Theatre
OR Wednesday, October 10
This compelling musical potrays an era of change in
turn-of-the-century America as seen through the eyes of three
families. Come and be thrilled by the music and the story of
this timely production.
Friday October 12 Misalliance Royal George Theatre
This G.B.Shaw classic finds a bored heiress to an underwear
fortune trapped in an unhappy engagement. A plane crash
introduces a handsome man, a female daredevil and new ideas. Who
will end up with whom? Plan to attend and find out.
Wednesday October24 Present Laughter Festival Theatre
Noel Coward's comic delight features Gary Essendrine's dressing
gowns, his love affairs and his wit. How can he manage his many
visitors and admirers? Or should he? Plan to come and be
thoroughly entertained.
To reseve for Shaw productions call Linda Grieve
at 416•498•7228 also beginning at 8.00am on Monday,
February 6, 2012.
Special Note:
Seating is still available for two Drayton Festival productions
advertised in our November, 2011 Newsletter.
9 To 5 - The Musical is presented at St.
Jacob's Playhouse Theatre on Wednesday, March 21, and,
The Sound of Music is presented at the Drayton Festival Theatre
on Wednesday, May 16.
To reserve for either or both, call Jack DeGroot
at 416•691•3046 ASAP!
|
Finances
~ Lone Smith (416•234•1969) hosts this group
in her home on the third Thursday of the month at 4:30pm: November 24
(Topic: Sources of Good Research) and December 22. The purpose of the
group is to learn about the world of money. We learn from each other and
guest presenters. Topics covered include RIFFs, RRSPs, stock investments
in all forms (ETFs and Bonds). Upcoming date: February 23, March 22.
Friday
Night Movie ~ Do you love movies? Join the Friday Night Movie
Club! We meet every month on the second Friday at a centrally located
theatre easily accessible by TTC/vehicle. Selections are geared to the
early showing (6:00pm -7:00pm) followed by a discussion at a nearby
coffee shop or restaurant. Interested movie-goers receive an email or
phone call during the second week of the month advising them of details.
Attendance is not mandatory, so feel free to send your contact
information and join us when you can. Hope to see you at the movies!
Contact Fernanda Freitas: FridayMovieClub@gmail.com /
416•859•6134.
Monday
Matinée Movie ~ see an early afternoon movie downtown and
socialize in a restaurant afterwards. We get together monthly on the
third Monday, twelve months a year. Participants are notified the
weekend before. Friends welcome! Future events: November 16, December
19, 2011; January 16, 2012. Contact Anne Ludwigsen:
416•324•0909 / acludwigsen@rogers.com.
Super
Tees Golf Group ~ Contact Rosalie Parente at
905•856•6936. (Liability Waiver required for this event.)
Walking/Talking
Group ~ Phyllis Broom Walker:
llanoka@aol.com / 416•653•3521. Our
walking group is organized informally. When I see something that is free
and available I send the information to the group or to anyone who sends
me their e-mail address. This is a recommended activity for continued
health and well-being. Put your name on her email list.
RTO/ERO advises prudence ‘for participants in any
trip/event that requires physical activity/effort beyond what they
ordinarily exert. Participants are also advised to consult their doctor
especially if they have a pre-existing condition that raises concern.'
A
group of RTO/ERO members and friends meets for coffee near the College
Subway Station. This Downtown Coffee Club continues to
meet every Wednesday and Saturday throughout the summer at the Second
Cup, 475 Yonge St., one block north of Carlton at Yonge and Wood St.
Contact: Ann Ludwigsen at
416•324•0909 /
acludwigsen@rogers.com.
A group of RTO/ERO members and friends meets for
coffee near the College Subway Station every Wednesday and Saturday
throughout the year at the Second Cup, 475 Yonge St., one block north of
Carlton at Yonge and Wood St.
Ann Ludwigsen adds some history of this group's
origins: January marks the 3rd anniversary of the Downtown Coffee Club,
started by three members of the Monday Movie Club who realised they
lived close together. We invited other friends in the neighbourhood to
join, then doubled our membership when Bill Menagh put us in this
newsletter. Now, some members - one retired 29 years - come on bus and
subway. In these three years we've learned a lot from each other,
celebrated and grieved together, visited each other in hospital, and
gone out on New Year's Eve. We meet at the Second Cup at 475 Yonge St.
every Wednesday and Saturday. If you'd like to try it, please call me
for all the details.
Editors: Many of our members
live within the same Postal Code area. Perhaps a few would be interested
in starting an ad hoc group close to home at a local eatery for coffee,
breakfast, mall-walk or whatever. Once established it could develop a
life of its own with little ‘official' administration by the original
organizer.
Contact: Ann Ludwigsen at 416•324•0909 /
acludwigsen@rogers.com.
Mah Jongg Anyone?
I'm looking for 3-4 players who would be
interested in a monthly or bi-weekly game during the day using the rules
from the Mah Jongg league. There is another mah jongg game using
traditional rules (not using the card from the Mah Jongg league, and if
there is interest in that, there could also be a table of players for
that game. We could alternate at members' houses or, maybe if we get
enough interest, have 2 to 3 tables and use the hall at the church.
Contact Cindy Shore-Beauvais:
shorbeau@sympatico.ca

Fall Luncheon
Organized by Kay Jeffery, hosted by Roy Harvey,
with Barb and Bob Putnam handling registrations, the
buffet meal, camaraderie, background music (Ken Edge)
and sing-along provided a most enjoyable event. Both before and after
the Luncheon, participants visited the Craft Show booths to patronize
the crafters and purchase assorted homemade delectables and seasonal
gifts.


PENSION NEWS
Your Toronto District Executive recently
discussed the seeming confusion regarding Teaching after Retirement
vis-à-vis Volunteering and the potential effect on one's pension.
Apparently some retirees wishing to volunteer for simple activities have
been told that their pension payment could be in jeopardy. To help
clarify, your editor contacted the OTPP with the following:
There appears to be some confusion regarding
Volunteering After Retirement as agreed to by the Partners. The [OTPP]
Q&A document appears to permit volunteering in a school in positions
that do not receive compensation.
"Any re-employment for which you are
entitled to compensation counts toward the limit. If you work as a
volunteer and the position or duty is normally compensated, you and your
employer can't forgo payment to circumvent reemployment rules."
We have been informed that, say, a retired
grandparent receiving an OTPP pension cannot volunteer to accompany a
class on a field trip or spend a day in the school library filing books,
or join a class for a reading group – all of these positions not
normally compensated. Can you provide any clarification to this issue?
We received the following reply [emphases added]:
Thank you kindly for your e-mail.
As re-employment activities may not
be easily discerned by a pensioner or the school board for which s/he is
volunteering, we do suggest that all pensioners contact us to clarify
whether any activity would be considered re-employment. We understand
that this task may be time-consuming, but it ensures that no pensioner
is penalized for re-employment reasons.
Also, we wish to clarify that there are
situations involving volunteering that are not deemed re-employment.
These cases involve situations where the pensioner is volunteering and
not receiving nor forgoing payment, where there would otherwise not be a
paid employee to perform this activity.
We hope not to detract members from
volunteering, as we understand this can be a very rewarding experience.
On the other hand, we must ensure that we are following all regulatory
requirements without prejudice.
If you wish to seek further clarification, we
welcome you to visit our offices at 5650 Yonge Street anytime during
business hours. Please note, no scheduled visit is necessary in this
regard. However, since many of the re-employment considerations are
decided upon in a case by case basis, it would be difficult to capture
all examples that could arise. Nevertheless, we would be more than happy
to speak with you in person to discuss typical examples of re-employment
and how to avoid such situations.
If you have any further questions or
concerns, please do not hesitate to contact our Client Services
Department and we will be happy to assist you. You can reach us by phone
(between 8:00 am and 5:30 pm Monday to Friday) or by e-mail.
Warm regards,
Client Services, Ontario Teachers' Pension Plan
416•226•2700 or 1•800•668•0105 (toll free) or
www.otpp.com
Although the rules of re-employment appear clear
to us, the actual interpretation by schoolboard administrators may not
be so evident. Let us know if we should pursue this matter any further.
OTPP Media Release regarding Ethical Investing:
TORONTO (September 15, 2011): The Ontario
Teachers' Pension Plan (Teachers') today announced that it is a
signatory to the United Nations-backed Principles for Responsible
Investment Initiative (PRI).
PRI is a set of six principles that reflect the
view that environmental, social and corporate governance issues – or ESG
issues – need to be appropriately considered in the investment process
as they can affect portfolio performance. The principles provide a
voluntary framework by which investors can incorporate ESG issues into
their decision-making and ownership practices. Approximately 900
investment institutions and service providers, with assets under
management of approximately US$25 trillion, have become signatories.
More information about PRI is available at
www.unpri.org.
"We are pleased to endorse PRI and look forward
to sharing best practices and collaborating with like-minded investors
from around the world as we analyze the financial implications of ESG
risks and opportunities," said Teachers' President and CEO Jim Leech.
"Our investing practices were already aligned with most of the
principles and PRI reflects the increasing importance of responsible
investing to our members and potential partners. As a natural extension
to our long record of leadership on matters of corporate governance, PRI
is consistent with our core values of championing accountability and
risk consciousness."
In concert with its joining PRI, Teachers' has
co-produced, with the Cormana Group of Toronto, a 20-minute video
documentary on the topic of responsible investing that captures insights
from experts across the investment spectrum (Watch the trailer).
Responsible Investing – An Evolving Story is available for viewing
online at
www.otpp.com/responsibleinvesting. Also available on the website is
a series of roundtable discussions with senior members of Teachers'
investment team about key responsible investing questions and an
interactive video feature that explains Teachers' investment process.
Register at the iAccess Link to receive
notice of the AGM in early April.
Source: OTPP website
www.otpp.com

RTO/ERO ACTIONS
Your
Toronto District Executive met in November and December report the
following:
• the Friday Night Movie Group has a membership of about 30
participants;
• contact with People for Education (Annie Kidder) has been made through
our Political Advocacy Chair;
• there are 7 centenarians in our membership;
• members need to ensure they know the terms of ‘pre-existing condition'
in the RTO/ERO Travel Insurance Coverage;
Mondial is NOT able to provide pre-authorization or pre-trip advice
regarding one's status vis-à-vis pre-existing conditions - this is a
member's determination and coverage is determined AFTER the claim is
made;
a request will be made to the Health Services Committee to consider a
self-purchased option for those with a pre-existing condition that would
enable them to travel with some coverage;
• 2013 will be the 40th year of RTO/ERO Toronto District;
• the University of Toronto's Gerontology Department will include a
write-up on the RTO/ERO Charitable Foundation in their Newsletter;
• approved a members' Tax Seminar (details were made available through
our January E-zine).
Since
Fall Senate, the Provincial Executive is/has:
• exploring the possibility of collaborating with the University of
Toronto on an Osteoporosis Research Project;
• sending a memorandum to District Presidents/Treasurers with guidelines
on finance to include an appropriate level of reserves to be held by
Districts (proposing 6 months), expenditures being approved by a
District Executive, and matters of reporting/transparency;
[Editors: this issue has arisen because of debate over
the size of some district reserves - especially those which receive
special grants beyond the standard rebate formula. The question relates
to collecting fees to provide services to those from whom the fee is
collected or building substantial reserves that grow over time. This has
also become an issue in regards to the funding of the RTO/ERO Charitable
Foundation - see item in box below.]
• looking into budget implications of including internet access for
Senators at Senate meetings;
[Editors: we assume that those Senators requesting this
service would not be expecting a member-fee increase to cover such
costs.]
• sending to District Presidents a memo regarding website domain name
issues;
• approved a Social Media Policy;
• approved, subject to Senate authorization, a review of the
administration and claims function of Johnson Inc.
The RTO/ERO Spring Senate 2012 will debate an interesting
motion referred from Fall Senate and reported to you in our
November Newsletter, namely: No Member Fees be given to
the Charitable Foundation'.
Some Background: To enable the Foundation
to start, seed money was provided by Senate as a loan to be
repaid. The debate at the time ensured that this be a loan
and not a donation. It was important to those making this
decision to ensure that the Foundation did not become
dependent on Member Fees for its financial security and
that, aside from RTO/ERO's charitable donations made from
time-to-time to external organizations (usually in times of
distress), members should be able to make their own choice
for charity support.
The Issues: Aside from the above points
made in the initial debate, other issues include: the
efficacy of making contributions to the Foundation from
district fees that might negate the desire to have members
volunteer their own personal contributions - i.e why
contribute personally after having already contributed
through an automatic fee deducted at source; should
districts use their fee rebate originally provided for
service to those districts' members; should the RTO/ERO
Senate be making a decision that binds all districts on this
type of issue.
RTO/ERO Toronto District's position: Your
local executive has debated how to proceed at Senate on this
matter. No decision has yet been made. All the points
mentioned above have been expressed. If you have a point of
view, let your executive know.
NOTE: Your RTO/ERO Toronto District 16 Executive fully
endorses the RTO/ERO Charitable Foundation and its goals.
All members are encouraged to make their own personal
contribution.
Did You Know: if only just-less-than-half of
Toronto District 16's 4500 members donated $120/year for the
3-year effort, we would raise more than a quarter of the
goal of 3 million dollars. (2200 members x $120 x 3 years =
$792,000).

|

BENEFITS & HEALTH NEWS/INFORMATION
Erratum: In our November Newsletter Supplement, we
included a list of the Top 20 Drugs paid through our benefits. One of
our members has informed us that NORVASC is a Calcium Channel Blocker
members may have been confused by the original description. See below.
RTO/ERO Benefits issues as reported to District Health Reps in June,
2011:
• Items to be considered for coverage in 2013:
coverage for implants (Ed. we assume a dental benefit);
out-of-Province/Canada travel insurance for members with pre-existing
medical conditions related to cancer, health and lung;
consider prescriptions from a Naturopathic Doctor;
would an annual deductible ($25.00 single/$50.00 couple/family) affect
premiums;
increase complementary practitioner coverage;
breast thermography;
more dental cleanings.
• Lost luggage must first be claimed against your home insurance and any
coverage by the common carrier, or specific extra purchase;
• Out-of-Province/Canada Travel benefit provides coverage for an
eligible medical emergency while travelling. This coverage is continuous
while the patient is awaiting a bed. Mondial Assistance utilizes the
services of "bed finding" companies to assist with the process of
locating a suitable bed within the patient's catchment area, as defined
by the provincial government.
• RTO/ERO measures market share on an annual basis. While some members
make the personal decision to choose a less expensive plan that offers
reduced coverage, RTO/ERO continues to gain market share, year over
year.
• including non-teachers has had no impact on the RTO/ERO Plans.
• Mondial Assistance is monitored by both Johnson Inc. and Manulife
Financial. In a situation where a member makes a complaint regarding
Mondial, a full review of the claim and the recorded conversations is
conducted.
• A comparison with MROO (Municipal Retirees Organization Ontario) has
been developed and will be distributed to districts.
• Reasons to stay with RTO/ERO Benefits after age 65 include:
there are over 15,000 drugs that are available for sale in Canada. The
Ontario Drug Benefit Program (ODB) covers approximately 3,400 of these
medications.
Those not covered by ODB include: Nexium, Lyrica, Viagra, Cialis,
Zostavax, and Nasonex.
A portion of the 3,400 are "limited use", meaning you try similar
medications before receiving ODB coverage for the "limited use" drug.
Examples of these medications covered by ODB, where the RTO/ERO Extended
Health Care Plan would see claims are: Plavix, Losec, Pantoloc,
Singulair, Celebrex, and Ezetrol.
The experience of the RTO/ERO Extended Health Care Plan indicates there
remain significant expenses under ODB.
The RTO/ERO Extended Health Care Plan covers items such as (in alpha
order):
· Accidental dental
· Diagnostic and other procedures
· Education program
· Medical aids and appliances
· Out-of-Province/Canada travel
· Paramedical practitioners
· Registered nursing
· Transportation/ambulance
· Vision Care
• Educational exercise programs for seniors are not covered because of a
ruling by Revenue Canada. Johnson Inc. will seek the specifics of this.
• Some Eastern European countries are now requesting proof of medical
insurance. You can obtain this letter of medical proof by calling
Johnson Inc. Cuba may begin doing this, too.
• The Out-of-Province/Canada travel coverage provides for accidental
dental coverage at 100%; whereas the in-province care is reimbursed at
80%.
• Proof of Departure date – joint names on a credit card statement will
serve as proof for both card holders so long as the cardholders carry
different numbers and the statement shows activity on both cards. Proof
of departure can take any form, as long as it:
Identifies you (shows your name or your signature);
Specifies the date;
Indicates that the transaction took place in your province of residence.
Each person travelling must obtain his/her own proof of departure. In
addition to traditional forms of proof (boarding pass, stamped
passport), members can also use recent claims for a service rendered
(physiotherapy, dental cleaning), signed/dated financial institution
transactions.
• RTO/ERO receives an Administrative Services Allowance (ASA) from
Johnson Inc. equal to 2% of the premiums for the health plans as well as
the other individual plans that are offered. This ASA, in part, goes to
fund the day-to-day operation of the organization.
• Any surplus generated by the Health Plans is used to pay deficits, top
up the Claims Fluctuation Reserve (CFR) and the remainder into the
Health Plan Stabilization Fund. These surpluses do not form part of the
operation of RTO/ERO.
• Johnson Inc. acts as the consultant for RTO/ERO. In a study conducted
by Coughlin & Associates on the consulting services received, it was
reported that RTO/ERO receives above average service at a very
competitive market rate.
• Johnson Inc. is also the Claims Payor and Administrator of the Health
Plans on behalf of RTO/ERO. These rates are also competitive in the
market and are negotiated on a yearly basis. Johnson Inc. is a resource
to the Health Services & Insurance Committee. Rates are a percentage of
premium collected.
• Prescription Drugs, Paramedical Practitioners and Vision Care are the
benefits most used by members.
• The RTO/ERO Extended Health Care Plan covers certain life sustaining
over the counter (OTC) medications. Recently, the Federal Government
began reclassifying OTCs to Natural Health Products (NHPs). NHPs are
ineligible for the Federal Government's medical expense tax credit, and
due to the tax implications for members' premiums, the RTO/ERO Extended
Health Care Plan is unable to cover NHPs.
• A physician's advice does not override the terms of the RTO/ERO
Extended Health Care Plan. If, according to the policy, your condition
was not stable prior to travel (i.e. you were hospitalized within the 90
days prior to date of departure for at least 24 hours) then a medical
emergency related to that condition is not covered. (Ed. We highly
recommend one be familiar with Travel Coverage.)
• The services of a homeopathic practitioner are eligible under
RTO/ERO's Extended Health Care Plan paramedical practitioner benefit, up
to $700 per person/year (all practitioners combined). Homeopathic
remedies are not eligible as they do not meet the Federal Government's
criteria for the medical expense tax credit.
• The newest treatments approved by Health Canada (Visudyne and Lucentis)
for the treatment of age-related macular degeneration are covered under
RTO/ERO's Extended Health Care Plan.
• All claims, regardless of cost, are adjudicated based upon the same
criteria. This ensures that all members are treated equally and there is
a consistent practice.

A Message from Johnson Inc.
Did you know that certain claims require the pre-approval of Johnson
Inc. Plan Benefits Claims before they may be submitted for reimbursement
under the RTO/ERO Health Plans?
Aids and Appliances Benefit
Under the Aids and Appliances benefit, please call Johnson Inc. Plan
Benefits Claims for pre-approval of your item, before making your
purchase. Plan Benefits Claims will request a written prescription,
including diagnosis, from a physician and/or the completion of an
authorization form. Additional information may be requested to assess
the eligibility of the aid or appliance. This process ensures that you
know the amount eligible for reimbursement prior to making your
purchase.
There may be financial assistance for your aid and/or appliance
available through your provincial Assistive Devices Program (ADP). An
application must first be submitted through the ADP for all eligible
equipment prior to submitt ing your claim to Johnson Inc. Reimbursements
under the RTO/ERO Aids and Appliances benefit are only offset by the
amount eligible for payment through the ADP, whether or not application
is made. Please note that if an application for funding is not made to
the ADP prior to the purchase, the ADP may decline the item.
Dental Plan
Certain procedures under the RTO/ERO Dental Plan require pre-approval.
If the cost of proposed dental work is expected to exceed $600, you
should submit a detailed pre-treatment plan to Johnson Inc. Plan
Benefits Claims. For major restorative work, the pre-treatment
radiograph will be requested. This pre-approval is not intended to limit
you in your choice of dentist, to tell you or your dentist what
treatment should be performed, to tell the dentist what fee to charge,
or to guarantee reimbursement after coverage ceases. This process
advises you of the amount eligible for reimbursement under the plan,
before the work begins.
For further information about these benefits, please contact Johnson
Inc. Plan Benefits Claims at 1•800•638•4753.
Source: RTO/ERO Health Matters, October, 2011.
Exceptional Access Program (EAP)
The Exceptional Access Program (EAP) facilitates patient access in
exceptional circumstances to drugs not funded on the Ontario Drug
Benefit (ODB) Formulary, or where no listed alternative was available.
Inquiries regarding the Exceptional Access Program should be directed
to:
EAPFeedback.MOH@ontario.ca; or, 416•327•8109 or 1•866•811•9893;
Exceptional Access Program
3rd Floor, 5700 Yonge St.
Toronto, ON M2M 4K5
Source:
www.health.gov.on.ca/english/providers/program/drugs/eap_mn.html
Errata: This information was originally printed in the
Fall Senate File of Reports and then, by us, in our November Newsletter.
A revised list was distributed at Senate and is reproduced below. One of
our members let us know, and we confirmed and corrected, the original
description of Norvasc was in error. The top twenty drugs, with
correction, paid by our Extended Health Care Plan are listed below for
August 1, 2010 to July 31, 2011:
Download list here.

Top 25 Movies for
2011
It is always difficult choosing films and then
ranking them in any given year. It is like choosing amongst memorable
students or teachers, or amongst favourite friends. Everyone is
different and wonderful in different ways, even if there are some
similarities. This year was no different with movies ranging from
exquisite comedies and love stories to stories of childhood innocence as
well as bizarre teenage violence and its horrible impact on unsuspecting
parents, from films about political corruption to man's earliest
artistic expressions in the prehistoric caves of France. Some films were
overhyped and disappointing, but somehow appealed to professional
critics who seem more interested in impressing other critics than seeing
the dullness of the film they are promoting as high art. And so it goes.
Nevertheless, my passion remains high for good
films that shake me, make me laugh, make me cry and grieve, make my
imagination soar, and fill me with awe and which still exist in any
given year. These movies make me want to share them with other people
who might also want to see mature, "adult," films that signify a degree
of intelligence, instead of the loud, explosive flicks (usually wildly
popular with teenagers and college students), full of sound and fury
signifying nothing. Isn't one crash very similar to another, and
ultimately boring and predictable anyway?
And so… here are my top 25 picks for 2011,
followed by some brief commentary on some of the films:
1. Hugo
2. Midnight in Paris
3. The Descendants
4. Albert Nobbs
5. Tree of Life
6. Contagion
7. The Help
8. Carnage
9. The Skin I Live In
10. J. Edgar
11. The Ides of March
12. Margin Call
13. Cave of Forgotten Dreams
14. Super 8
15. Beautiful Boy
16. We Need to Talk about Kevin
17. The Artist
18. Horrible Bosses
19. The Guard
20. The Debt
21. Moneyball
22. Beginners
23. My Week with Marilyn
24. Young Adult
25. Devil's Double

Hugo: A dazzling, magical movie that
seems like a film for kids, including a Dickensian orphan as the central
character, but is actually for adults in Martin Scorsese's love letter
to the enchanting world of early film-making. The cinematography was
nothing short of brilliant and one of the very few examples of how to
use 3D in a way that draws you in, rather than putting you off. Let the
magic rub off on you.
Midnight in Paris: Also magical in Woody
Allen's best film since Matchpoint, it warns in an utterly
witty manner the flaws in thinking nostalgically about the past, even if
that past included "romantic" 1920s Paris populated by the likes of T.S.
Eliot, Hemingway, Dali, Fitzgerald, Picasso, Stein, and, yes, the
elegant Cole Porter.
The Descendants: A film about family
betrayals and greed, set in the seeming paradise of Hawaii (a fallen
Eden), George Clooney is forced to confront unpleasant truths about his
relatives, friends, and wife, and, in so doing, redeem himself. The last
few scenes are brilliant and will require a box of Kleenex.
Contagion: A highly suspenseful,
intelligent thriller about a deadly virus that also comments on our
society's silliness in believing the false prophets/bloggers of the
Internet world. You'll want your hand sanitizer handy after this one.
The Skin I Live In: A horrific
rethinking of the old Frankenstein myth and our society's unhealthy
obsession with physical beauty and plastic surgery. It will give you
nightmares (but in a good way).
Carnage: A film that examines what
happens when four so-called civilized parents get together to discuss
their children caught up in a bullying situation. Led by Jodie Foster's
self-righteous, uptight mother of the injured child, the four actors,
trying to act so properly at first, ultimately become more violent and
ridiculous than their children ever could.
Quick thoughts:
See Beginners to watch Christopher Plummer's amazing transformation from
a grieving widower to an out-and-proud, liberated man.
See Albert Nobbs for the amazing performance of Glenn Close as a woman
passing as a man in late-19th C Ireland in order to get and keep a job
as a butler during desperate times when women were offered few
opportunities to work.
See Tree of Life, but don't expect a normal narrative structure. Do
expect an awesome and visually compelling film that carries you along
like a dream, from the origins of the universe (and possibly "God") to
the evolution of humans (as seen in a 1950s middle-class Texas family)
to a possible after-life.
See Horrible Bosses and The Guard, both dark, satirical comedies of the
type the Brits used to make in the 1950s about corruption in high
places, bumbling perpetrators, and seemingly inefficient lawmen - and
laugh!
It should be noted that I could not see Iron Lady
in time for this review. It stars the inimitable Meryl Streep, my
favourite actress, as Margaret Thatcher, from her present dementia to
her past rise to power to British Prime Minister. It may win her her
third Oscar and her first since 1981 (competition will be tough though
from Michelle William's Marilyn Monroe, Glenn Close, and The Help's
Viola Davis).
Most Over-hyped and Disappointing Movies
Don't listen to the critics. These films that promised so much just did
not live up to the hype. Avoid them: Melancholia (a dreadfully slow
movie about a manic-depressive living in a world that is about to end -
and, get this, by a planet called Melancholia crashing into the Earth!);
A Dangerous Method; Rampart; 50/50; Terri; Drive. You may disagree, but
I really found these films pretentious and/or boring. Let me know if you
disagree. I'm passionate, but quite open (and vulnerable).
Get your popcorn (buttered or not) and see you at the movies.
John Borovilos

A Little Humour
I thought I saw an eye doctor on an Alaskan
island, but it turned out to be an optical Aleutian.
If the object of parenting is to enable the child to get along without
the parent, what is the object of grand-parenting?
Washington Post Neologisms:
Esplanade (v.), to attempt an explanation while drunk.
Gargoyle (n), olive-flavoured mouthwash.
Balderdash (n.), a rapidly receding hairline.


Communiqués
Toronto
Education Opportunity Fund ~ TEOF
Celebrate the Year of the
Dragon!
Friday, February 10, 2012
Dim Sum King Seafood Restaurant
(new and larger location)
421 Dundas Street West (south side between Beverley and Huron)
3rd floor (Ramp from street and elevator)
(Municipal parking west of restaurant on south side of Dundas between
Huron & Spadina)
6:00pm/cocktails - 6:30pm dinner
Tickets are $50 per person or $500 for a table of
ten. Tax Receipt available for a portion of the ticket. Advance
reservations may be made through:
Theresa Lennox: 416•393•8861 /
theresa.lennox@tdsb.on.ca
Valerie Mah: 416•533•0445 /
vmah@ican.net.

Craft/Artisan Show
RTO/ERO Toronto District 16 Craft/Artisan Show:
Organized by Carmelita Salazar, Kay Jeffery
and Bob Putnam (registrar), The fifteen crafters did
well according to reports. Many Fall Luncheon attendees arrived early to
benefit from the many shopping opportunities to fulfill their Christmas
shopping needs and take the opportunity to renew friendships in a
relaxed setting. Background music was provided by Ken Edge (
www.edgmusic.ca ).





School Events
Central
Commerce celebrates its 100th Anniversary ~ Friday – Sunday
May 5, 6 & 7, 2012. Friday pub night; Saturday open house and
evening gala; Sunday staff brunch. Information:
www.centralcommerce100.com
Duke Of Connaught Public School ~ celebrates its
100th Anniversary with a year long celebration: Homecoming Weekend,
open house, decade rooms, time capsule, tree planting, legacy
project, reminiscing. Former staff/students are invited to help
plan, share memorabilia, photos and stories. October 20 ~
information: www.duke100th.com
King
George Junior Public School ~ Celebrate our 100th
Anniversary. Memorabilia wanted. Contact Jan Davies, Principal at
416•394•3060 /
janet.davies@tdsb.on.ca
Facebook:
http://www.facebook.com/#!/pages/King-George-Jr-Public-School-100-Years-At-the-Heart-of-Our-Community/209219642455774
North
Toronto Collegiate ~ celebrates its 100th Anniversary from
May 10 - 13. Events: open house, dinner-dance, music gala, athletic
night, golf tournament, talent show, staff reunion, heritage book
and much more! Volunteers welcome. Information: www.nt100th.ca /
nt100th@gmail.com.
Trio Bravo Concert
Series
Baird Knechtel/Viola, Terry Storr/Clarinet,
John Seleck/piano are
pleased to announce their 2011/12 concert series.
Feb. 5 / featuring Mozart, Beethoven and Haydn
May 6 / featuring Mozart and Dvorak
2:00pm at All Saints Kingsway Anglican Church
(2850 Bloor St. W at Prince Edward Drive)
Tickets: $18.00 or $50.00/series (Seniors: $12.50
or $30.00/series).
$20.00/$15.00 at the door
Order tickets in advance at 103 North Drive,
Etobicoke ON M9A 4R5.
Make your cheque payable to Baird
Knechtel (for Trio Bravo).
Visit
www.triobravo.ca for details or, contact: Baird Knechtel
at 416•242•2131.
The Toronto Choristers'
Christmas Concert
Tuesday, December 13, 2011 at 7:30pm
Jubilee United Church 40 Underhill Drive, Toronto
(one stoplight east of the DVP, north of Lawrence Avenue)
Donations accepted at the door for the church's outreach programs!
Advance Notice:
20th Anniversary Concert Wednesday, May 23, 2012 at 7:30 pm

Consumer Corner
Source:
www.cra.gc.ca

Our Members Write

Goodwill
Welcome letters were sent to 42 new members in
October and November. Sympathy cards were sent to 10 families of
deceased members and a Keeping-in-Touch/Christmas card was send to one
member in Blemheim. Sympathy cards were also sent to Virginia
Boyce on the recent loss of her husband and to Irene Wasilishin
on the loss of her mother.
Our seven centenarians whose ages range from 100
to 103 years received gifts of poinsettias and shortbread during the
Christmas Season. Shashi Makhija and Sandra
Roberston joined me in visiting our oldest centenarians:
Harry McQueen and Marjorie Roberston
(no relation). We enjoyed a hearty one-hour chat with both of them and
they were far from being camera-shy as we posed to take photographs.
Both daughters of these two centenarians expressed their gratitude that
their parents were being remembered by RTO/ERO.
As well, thank-you letters and telephone calls
were received from the relatives of some centenarians who were unable to
accommodate visitors.
Congratulations to Clara Lahmer
who celebrated her 100th birthday on January 1, 2012 and who is now our
eighth and youngest centenarian. A floral arrangement was sent to Clara.
Thanks to those members who continue to notify
us about recent happenings. With a membership of over 4,000 we still
need to hear more about our members who may need Goodwill support.
Left: Marjorie Blake
Harry McQueen
Shashi Makhija
Right: Marjorie Blake
Marjorie Robertson
Sandra Robertson
Contact persons:
Marjorie Blake: 905•837•0874 / 905•837•8453
Ann Ludwigsen: 416•324•0909 /
acludwigsen@rogers.com
Valerie Mah: 416•533•0445 /
vmah@ican.net

'Tis
to Laugh
We'd like to thank the children who gave up their
day-care and community-centre programs, the TTC riders who gave up their
transportation improvements, the former city-worker families whose
bread-winner is now unemployed, and others so that drivers can be spared
their $60 registration fee.

Welcome to
New Members
Welcome to those having joined RTO/ERO from May
to July, 2011. Occasionally new members join us in error - there are
four Districts in Toronto (Etobicoke/York-22, North York-23,
Scarborough/East York-24, Toronto-16) and others across Ontario.
As of August 1, 2011, our Toronto District
membership stood at 4444.
| Marsha Ablack |
Walter Agius |
Robert Alexander |
W Barbara Antheunis |
| Mary Bulmer |
Joanne Burgess |
Rene Clemens |
Kathryn Coates |
| Bernadette Cromien |
Winnifred C Driscoll |
Irene Economides |
Victor Feldman |
| Marie-Therese Forand |
Eileen M Frayn |
Suzanne B Gauthier |
Parvin Ghorayshi |
| Carol Gray |
Michael Hayes |
Myroslava Horich |
Paul Hutchings |
| Lynne Hyne |
Redmond (Blake) Jasper |
Loreta Latini |
Marianna Leo Tamo |
| Patricia Mandle |
Joyce Mason |
Laurel McCallum |
Ellen Messing |
| Cynthia Montgomery |
Linda Morris |
Katherine Moscoe |
James A Nash |
| Bryonny L Nichol |
Margaret Simmons |
Stephanie A Smith |
Donna Spearpoint |
| Catherine M Tait |
Eugene Tenus |
Angela Tocci |
Mary Vite |
| Natalie Wiezorek |
|
|
|
Bob Neal, Membership

IN MEMORIAM
Condolences to families, friends and colleagues
of those deceased recently. We share in the mourning of the loss and we
celebrate the services they rendered. Marjorie Blake, Goodwill
| Mary P. Agius |
G. C. Ian Burgess |
Edith Cox |
| Theodore Ferguson |
Joyce O. Forden |
Ruth Gelber |
| Harvey Hall |
Carl James Head |
Wieslawa G. Morgan |
| Sachi J. Ota |
Pamela Pepper |
|
Silvio Sauro
passed away in mid-December.
Twice president of RTO/ERO Etobicoke/City of York District 22,
his efforts on behalf of retired education employees are
gratefully acknowledged. |

Who We Are
RTO/ERO is a service organization representing
retired education employees ~ typically those receiving pensions from
the OTPP or OMERS. We welcome former members of AEFO, CUPE, ETFO, OECTA,
OSSTF, Administrators’ Associations and other employee groups
Administrative
Information
Use Your Executive
Your District Executive can only provide service and assistance if they
are aware of issues that are on your mind. Do not hesitate to call those
who perform the functions of the office they occupy. Please refer to
your September Newsletter or website for contact information.
Change of Address, Status, District
To limit confusion regarding a change in address or other contact
information, the ONLY contact is Dianne Vezeau (Provincial Office ~
416.962.9463 or 1.800.361.9888). Also, to change your District, call
Dianne. Obtain a Change-of-Status Form Here.
Rural Fire Addresses
Canada Post requires rural areas to have a fire number as part of one’s
address. This has resulted in changes to street addresses and postal
codes. RTO/ERO would appreciate being informed of these changed
addresses as it would reduce the number of Renaissance magazines and
District Newsletters returned due to improper or incorrect labelling. To
ensure that you receive your mailings on time, please report changes to
Dianne Vezeau at the Provincial Office by calling her at: 416.962.9463,
x223 or 1.800.361.9888, x223, or
dvezeau@rto-ero.org.
Newsletter Editorial Policy
Your Newsletter Editorial Committee is guided by the following:
Policy Statement:
a) Content, including complete source data, is submitted by the writer;
b) Our general editorial policy is to be informative to members
regarding the governance of RTO/ERO and informative to retired persons
regarding life issues;
c) Although published by the district, operations will be maintained at
'arm's length'.
Content and Advertising Criteria:
Submissions may include:
a) President's Message, Health News, Money Matters, District Sixteen
Calendar of Events, trips and tours, In Memoriam, actions of RTOERO
Toronto Districts, RTO/ERO (Province).
b) Community Service requests for volunteers and activities:
i) must be community or education oriented
ii) must be non-profit for the organization or individual
Advertising:
The position of RTO/ERO Toronto District 16 on advertising shall be that
of RTO/ERO and subject to space availability:
The content of all advertising is subject to the approval of RTO/ERO. We
accept no material that may be considered advertising from political
parties, religious groups, financial planners/advisers, investment firms
and the like.
How to Obtain Your Newsletter
This Newsletter is provided through your fees as a Member of RTO/ERO
Toronto District 16. Non District 16 individuals are able to obtain
printed copies via subscription ($10/annum) or downloaded PDF from our
website. Join our email service and we'll let you know when it's posted.
Newsletter Submissions
Your Newsletter Committee welcomes submissions from members that may be
of interest to others: travels, events, life milestones, etc. The editor
reserves the right to modify or reject any submission to fit space
available and to determine the appropriateness of any submission in a
particular issue. Other RTO/ERO Districts are welcome to use any of the
material contained in this document providing that appropriate
attribution is made regarding source. Third-party submissions must
include all source details.
Submission standards: Electronic TXT file
preferred, (or Word DOC or WordPerfect WPD file) emailed to the editor
at bmenagh@eol.ca. If you create your submission in another program,
save it as a TXT file. Typed or hand-printed submissions accepted but
earlier submission is requested.
Editorial Committee: Ian Baird, Bill Menagh, Mary El Milosh
Annual Publications Schedule: Submissions:
Annually ~ the first of September, November, January, March, May
Mailings: Annually ~ end of September, November,
January, March, May
RTO/ERO
Waiver
RTO/ERO insists on a waiver being signed prior to participation in some
of our organized activities.
Download a sample waiver here.
|