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    <channel>
    
    <title>Westworld Magazine</title>
    <link>http://www.ama.ab.ca/westworld/index.php?/articles/</link>
    <description />
    <dc:language>en</dc:language>
    <dc:creator>chelsea.chase@ama.ab.ca</dc:creator>
    <dc:rights>Copyright 2012</dc:rights>
    <dc:date>2012-02-01T18:18:00-07:00</dc:date>
    <admin:generatorAgent rdf:resource="http://expressionengine.com/" />
    
    

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      <title>A pre-flight checklist for Alberta snowbirds</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/ASetqc9_bYE/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/a_pre_flight_checklist_for_alberta_snowbirds/#When:18:18:00Z</guid>
      <description>If you plan to take an extended jaunt south of the border this year, there are a few things you should do to make sure that your return is as pleasurable as your departure.</description>
      <dc:subject>United States</dc:subject>
      <dc:date>2012-02</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/Toolkit.jpg" width="376" height="276" style="float: left; margin: 1em;"/>
<br />
<b>So you’ve secured your little slice of sunshine and decided to make white winters a thing of the past.</b> If you plan to take an extended jaunt south of the border this year, there are a few things you should do to make sure that your return is as pleasurable as your departure.
</p>
<p>
<b>Boost your medical coverage</b>
</p>
<p>
While sipping a cool beverage in the sunshine, the last thing you want to think about is illness or injury. But out-of-country medical care is expensive – and worth thinking about. You could easily run up more than $100,000 at an American hospital after a heart attack, for example, and your Alberta Health coverage might only cover a small portion. Alberta Health Care also doesn’t cover ambulance rides south of the border, or, say, the cost of bringing a vehicle back to Canada when the driver is physically unable. Travel medical insurance does, however. Per-day rates can be as low as $4, depending on your age, health and length of stay. To qualify, you’ll need to be free of certain pre-existing health conditions – be upfront about this to avoid potential problems.&nbsp; 
</p>
<p>
<b>Protect your home</b>
</p>
<p>
Have someone check on your home frequently while you’re away, to catch any repair issues early and deter break-ins (a security company is another option if you’re not comfortable asking a friend or family member). “Most insurance policies have an exclusion that says if you’re away for more than four days in the heating season, you need to have someone checking your home every day for frozen pipes and other plumbing-related issues,” says Diane Lennie, administration manager for AMA Insurance. 
</p>
<p>
Your pre-departure checklist should include locking your doors and windows, shutting off the water supply and draining pipes and appliances. Make your home look lived-in with motion-sensor lights and lamps or radios on timers, and have someone pick up junk mail and shovel the driveway. Also consider paying for mail suspension or mail forwarding services (details at <a href= "http://canadapost.ca"> Canada Post</a>). 
</p>
<p>
If you’re tempted to keep friends up to date on your travels via Facebook or another social network, resist the urge. Today, people who might take advantage of an empty house are as likely to cruise for prospects online as they are physical neighbourhoods. 
</p>
<p>
<b>Extend your vehicle insurance</b> 
</p>
<p>
If you’re flying to your destination and leaving the car at home, you’ll likely be driving a rental vehicle. Think about adding an SEF 27, or Legal Liability for Damage to Non-Owned Automobile, to your insurance policy. For about $30, this add-on extends your vehicle’s collision, comprehensive and specific perils coverage to a rental vehicle in Canada and the U.S., so long as the policyholder, spouse or other person listed on the policy is driving. If you’re going to be driving in a foreign country other than the U.S., consider getting an International Driver’s Permit, which allows licensed drivers to drive in most countries without further testing or paperwork. If you’re taking your own car, Lennie recommends informing your insurer that you’re leaving, as there may be extra fees associated with crossing the border. 
</p>
<p>
<b>Take your finances digital</b> 
</p>
<p>
If you haven’t already, now is the time to set up online or telephone banking. This will enable you to establish automatic payments for bills such as utilities and taxes, as well as view your accounts in any location where you can access the Internet. Most financial institutions also have smart phone apps for mobile banking – just watch out for data roaming charges, which can run as high $1 to $6 per megabyte. (You might want to get a local cellphone for your mobile Internet and calling.) 
</p>
<p>
You may not be able to manage all of your finances at a distance, though. Before you depart, sit down with your investment advisor to make arrangements for any GICs that will mature or payments that may arrive from a Registered Retirement Income Fund (RRIF), and the handling of any mutual funds or securities. 
</p>
<p>
Many institutions and brokers will be wary of taking instruction from someone who isn’t in the country – it may even be illegal in some cases – so discuss this before you go. Double-check the expiration dates on all of your financial plans and insurance policies and opt for early renewal where possible. 
</p>
<p>
<b>Check your plastic</b>
</p>
<p>
While chip and PIN technology is common in Canada, magnetic stripe is still the norm in the U.S. So before you go anywhere, check with your bank that your credit and debit cards will work where you’re going. If they won’t, access to cash will be paramount. 
</p>
<p>
“We suggest that travellers familiarize themselves with where they can access low-fee cash machines to be certain to have access to currency,” says Scott Sanders, director of card solutions for Bridgewater Bank. “If you prepare a daily budget for what you may need when you’re purchasing from local merchants or smaller retailers, between your credit, debit card and cash, you should be covered.” 
</p>
<p>
Before you leave, inform your credit card company of your travel plans. As a fraud prevention measure, companies watch customers’ accounts for suspicious activity. If you make a purchase that seems out of character (or far from home), it’s possible that the transaction will be declined. While you’re on the phone, ask about any conversion fees that may apply to foreign currency purchases, to avoid surprises. And double-check your cards’ expiration dates. You wouldn’t want them to stop working while you’re out of the country. Finally, Sanders suggests that you keep your credit card number and the company’s emergency phone number in a secure location. “If you lose your card and need a replacement, often the only place you have the number is on the card itself,” he says.
</p>
<p>
<b>Satisfy the tax man</b> 
</p>
<p>
If your time in the U.S. will be lengthy – an average of four months or more annually – you may be classified as a resident alien by the U.S. Internal Revenue Service, which means you could be required to pay taxes in both Canada and the U.S. To avoid this, you’ll need to fill out IRS Form 8840 each year. The form, known as the Closer Connection Exemption Statement for Aliens, requires you to disclose the location of your bank, your personal belongings and your furniture, and where your driver’s licence was issued. Essentially, the form demonstrates that you have a permanent home in a country other than the United States. If you fail to fill out the form, you won’t be able to claim the Closer Connection Exception and you may be treated as a U.S. resident. For more information, see the Canada Revenue Agency’s document Canadian Residents Going Down South at <a href= "http://cra-arc.gc.ca"> Canada Revenue Agency</a>. You can find Form 8840 at <a href= "http://irs.gov/form8840"> Form 8840</a>.
<br />

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    <item>
      <title>The Mortgage Race</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/Y8PCCaesNYg/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/the_mortgage_race/#When:17:44:01Z</guid>
      <description>Strategies for coming out ahead in the home-buying game</description>
      <dc:subject>Your Money, Your Money</dc:subject>
      <dc:date>2012-02</dc:date>
<content:encoded><![CDATA[ <p> I spent last summer on two things: running and getting a mortgage to buy a new home. The deeper I got into both, the more the mortgage seemed like one of life’s long-distance runs. Though maybe not a marathon. More like a half-marathon. Or a 10K.
</p>
<p>
In other words, it’s achievable. And as with a run, anyone who has made the right preparations can manage a mortgage. But you do need to know the lay of the course, and proper technique is important. Putting it all together and finding a pace that suits you – and even shaving off time as you near the finish – is easier than you think.
</p>
<p>
<b>Warm Up Right</b> 
</p>
<p>
Prep for the race by educating yourself about the basics. A mortgage consists of two main elements: the principal, or loan amount excluding interest, and the interest. With interest, there are two ways to go: fixed or variable. With a fixed rate, you pay a percentage that is locked in for a predetermined period whereas a variable rate rises and falls with the Bank of Canada prime lending rate. Which you choose depends on your appetite for risk – some people breathe easier knowing their interest rate won’t change for a set period, while others are willing to take a chance on the prime rate dipping.
</p>
<p>
<b>Get a Head Start</b>
</p>
<p>
The more money you put down before the starting gun fires, the sooner you’ll cross the finish. “That means you’ll pay less overall,” says Ken Wallis, manager of customer sales and retention with Bridgewater Bank. Take a property worth $300,000 and a mortgage secured with the minimum allowable down payment of five per cent. Pay it monthly over 25 years at an interest rate of five per cent, and you’ll pay about $212,000 in interest over and above the price of the property. Putting more down, say 20 per cent (what’s known as a conventional mortgage) reduces the total interest to about $179,000. An online mortgage calculator (try Bridgewater Bank’s at bridgewaterbank.ca) can help map things out.
</p>
<p>
<b>Shorten the Course</b>
</p>
<p>
You can save even more by shortening your amortization period, which is the time it takes to repay your mortgage. For example, by increasing your pace from monthly to “accelerated biweekly” (the monthly rate divided by two, paid 26 times a year), you’ll finish three years earlier and pay around $30,000 less in interest on that $300,000 home bought with 20 per cent down. Committing to a shorter amortization at the start – say, 20 years – will save another $30,000.
</p>
<p>
<b>Sprint to the Finish</b>
</p>
<p>
When you feel you’ve got the reserves for it, sprinting can shave a lot of time – and interest – off a mortgage (particularly when the course is that much easier, thanks to today’s historically low interest rates). “Lenders often allow a percentage of the principal to be repaid annually,” says Wallis. “Applying around 15 to 20 per cent of your original mortgage amount per year as a principal payment amount can significantly decrease your interest costs in the long run.”  
</p>
<p>
Completely repaying a mortgage is one of life’s milestones. It can seem daunting at the outset, but it does come with a finish line and a feeling not unlike that fabled runner’s high. With the right approach, you’ll cross more financially fit and nimble than ever – and much sooner than you expected.&nbsp; 
</p>
<p>
</p><h4>3 Ways to Pay Less in the Long Run</h4>
<p>
<i>($300,000 property; interest rate of 5%)</i>
</p>
<h2>Put More Down:</h2>
<p>
5% down (20-year amortization)
<br />
You pay: $464,470*
</p>
<p>
10% down (20-year amortization)
<br />
You pay: $455,820
</p>
<p>
20% down (20-year amortization)
<br />
You pay: $438,500
</p>
<p>
</p><h2>Shorten Your Amortization Period:</h2>
<p>
30 years (10% down payment)
<br />
You pay: $548,740
</p>
<p>
20 years (10%) down payment)
<br />
You pay: $455,820
</p>
<p>
10 years (10% down payment)
<br />
You pay: $372,840
</p>
<p>
</p><h2>Pay more often:</h2>
<p>
Monthly payments (20-year term &amp; 10% down)
<br />
You pay: $455,820
</p>
<p>
Accelerated bi-weekly payments
<br />
(20-year term &amp; 10% down)
<br />
You pay $433,660
</p>
<p>
<i>*Totals include base amount and interest. All totals approximate.</i>
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    <item>
      <title>Fort McMurray Getaway Contest Rules</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/DV2urjyh3n4/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/fort_mcmurray_getaway_contest_rules/#When:21:53:00Z</guid>
      <description>Fort McMurray Getaway Contest rules</description>
      <dc:subject />
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p>Fort McMurray Getaway Contest (the “Contest”) is being held by the Alberta Motor Association and its affiliated companies ("AMA") along with the Fort McMurray Tourism Association (“FMTA”).
</p>
<p>
Contest is open to all persons who reside in Alberta and are 18 years of age or older (each a “Contestant”).&nbsp; Employees of AMA and FMTA, as well as the immediate family members who reside in the same household of such persons are not permitted to be Contestants. No purchase is required to enter this Contest.
</p>
<p>
Contestants will receive an entry (each an “Entry”) when they send an e-mail to <a href="mailto:westworld.contests@ama.ab.ca">westworld.contests@ama.ab.ca</a> which must include (a) Contestant’s name;  and (b) Contestant’s daytime phone number and/or  e-mail address.&nbsp; Failure to include all the required information in an Entry may, at AMA’s sole discretion, void that Entry.
</p>
<p>
Entries shall only be accepted between 12:00 a.m. on February 1, 2012 and 11:59 p.m. April 31, 2012.&nbsp; Contestants may only submit one (1) Entry per week being 12:00 a.m. on a Sunday until 11:59p.m.&nbsp; Saturday.
</p>
<p>
There is one (1) prize to be awarded in this Contest (the “Prize”), being an all expense paid trip to Fort McMurray courtesy of FMTA.&nbsp; The Prize includes the following:
<br />
<ul>
<li>Round trip airfare for two from Edmonton or Calgary to and from Fort McMurray</li>
<li>Four nights’ accommodation in a superior-class room at the Sawridge Inn and Conference Centre Fort McMurray</li>
<li>Four-day car rental for a full sized vehicle, which includes auto insurance, in Fort McMurray</li>
<li>One round of golf for two adults at a Fort McMurray golf course, which includes cart rental</li>
<li>Two adult day-passes to the Suncor Community Leisure Centre at MacDonald Island Park</li>
<li>Two adult day-passes to Heritage Park</li>
<li>Two adult day-passes to the Oil Sands Discovery Centre</li>
<li>Experience the Energy Tour for two adults (subject to availability at time of booking)</li>
<li>A $800 prepaid Visa card for meals while winner is in Fort McMurray</li>
<li>A $350 shopping voucher to be used at the Peter Pond Shopping Centre in Fort McMurray</li>
</ul>
<p>
The Prize has an approximate value of $5,000 and is subject to the following conditions:
<br />
<ul>
<li>Car rental is available only if there is a person who is age 25 or older with an Alberta Driver’s licence operating the rental vehicle;</li>
<li>Insurance for the car rental is subject to the insurer’s terms and conditions.&nbsp; If an automobile accident should occur, Contestant is responsible to pay the insurance deductible.</li>
<li>Prize must be accepted as is unless otherwise agreed upon by AMA;</li>
<li>The Prize is non-transferable;</li>
<li>The Prize has no cash value; and</li>
<li>Product and services which are included with the Prize (i.e. flights, round of golf) are subject to the terms and conditions of the vendor providing such products and services (together the “Vendors”).&nbsp;  Please contact Vendors for more details.</li>
</ul>
<p>
The Prize winner will be randomly selected in a draw from all valid and accepted  Entries on May 14, 2012 at approximately 10:00am at the AMA Centre located at 10310 G.A. MacDonald Avenue.&nbsp; All Entries have an equal chance of winning.&nbsp; Chances of winning is dependent on how many Entries are received in this Contest.
</p>
<p>
AMA will then attempt to contact the Prize winner by telephone and/or e-mail. If for any reason it is not possible within a reasonable period to contact the Prize winner despite customary diligent efforts, AMA reserves the right to disqualify that Entry and select another Entry as the Prize winner.&nbsp; The Prize winner must sign a contest prize acknowledgement and release form before the Prize will be awarded.
</p>
<p>
By entering this Contest, each Contestant:&nbsp; (a) accepts these Contest Rules; (b) consents to AMA  and FMTA publishing or announcing the Prize winner&#8217;s name and/or photograph in future publicity, without permission or compensation; and (c) releases AMA, FMTA and Vendors from any liability with respect to this Contest or redemption of the Prize. 
</p>
<p>
AMA reserves the right to withhold the Prize or disqualify the Prize winner’s entry in the event that the Prize winner fails or refuses to comply with these Contest rules.
</p>
<p>
If, for any reason in the opinion of AMA, in its sole discretion, the Contest is not capable of running as planned or if the administration, security, fairness, integrity or proper conduct of the contest is corrupted or adversely affected, including by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures or other causes beyond its control, AMA reserves the right to cancel, terminate, modify or suspend the Contest including any method of entry.
</p>
<p>
AMA will not be responsible for telephone, technical, network, online, electronic, computer hardware or software failures of any kind, misdirected, stolen, incomplete, garbled or delayed internet/email computer transmissions on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to Contestant’s or any other person’s computer relating to or resulting from participating in the Contest.
</p>
<p>
AMA will not be responsible for, or accept any liability resulting from Entries that are delayed, lost, stolen or misdirected for any reason during their delivery to AMA whether by, but not limited to,  Entries sent by e-mail  online or through a data network.
</p>
<p>
Information is collected in accordance with the AMA Privacy Policy.&nbsp; Any personal information obtained in the course of running this Contest will be used for the administration of this Contest but not distributed to any third party.&nbsp; A copy of the AMA Privacy Policy is available at all AMA retail locations and online at <a href="http://www.ama.ab.ca/general/ama-privacy-policy">ama.ab.ca</a>.&nbsp; As per AMA’s privacy policy, AMA does not sell or redistribute any personal information. AMA will not enter into correspondence with any Contestant except with the Winner, and at AMA’s own initiative.
</p>
<p>
In these Contest rules, words importing singular include the plural and vice versa.
</p>
<p>
These Contest rules shall be construed and interpreted in accordance with the laws of the Province of Alberta.
</p>
<p>
Any inquiries or concerns relating to the Contest should be addressed to AMA at PO Box 8180, Station South , Edmonton, Alberta T6H 5X9 Attention:&nbsp; Corporate Communications or <a href="mailto:westworld.contests@ama.ab.ca">westworld.contests@ama.ab.ca</a>.
</p>
<p>
By entering the Contest, all entrants agree to be bound by the Contest Rules and release all parties associated with this Contest from any liability with respect to the Contest or Prize. 
<br />
All decisions by AMA with respect to all aspects of this Contest are final.
<br />

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    <item>
      <title>Weekenders: Medicine Hat</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/7LfcmSskSyY/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/weekenders_medicine_hat/#When:18:10:00Z</guid>
      <description>In the pages of Alberta’s history books, much ink has been spilled on the subject of Medicine Hat.</description>
      <dc:subject />
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/Medalta.jpg" width="387" height="258" style="float: right; margin: 1em;"/>
</p>
<p>
<b>The Getaway</b>
<br />
In the pages of Alberta’s history books, much ink has been spilled on the subject of Medicine Hat. It’s where natural gas was first discovered in Alberta, back in 1883. Abundant gas reserves, along with tax breaks and access to 100 kilometres of CPR track, sparked a homegrown industrial revolution in the area. Factories making everything from crayons to bricks sprang up all around town.
</p>
<p>
One of those factories was Medalta Stoneware. By the end of the 1920s, the company was producing 75 per cent of Canada’s pottery. Its distinctive grey crocks, jugs, bowls and pitchers were sought after across the country. 
</p>
<p>
<img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/Medalta2.jpg" width="252" height="168" style="float: left; margin: 1em;"/>
</p>
<p>
Today, the iconic factory and its beehive kilns anchor Medicine Hat’s Historic Clay District. Visitors to the Medalta site can tour a newly renovated museum, which houses more than 30,000 pottery pieces. Give yourself plenty of time to stroll through the interactive displays, watch the historical video footage and browse at the gift shop, which sells retro Medalta pottery made on site. Don’t leave without popping into one of the rare circular kilns. If your schedule permits, get your hands dirty in a pottery class.
</p>
<p>
<b>The Hideaway</b>
<br />
Managed by Stagewest Hospitality, the Medicine Hat Lodge Resort, Casino &amp; Spa is a popular spot on the dinner theatre circuit. Many shows that pass through Calgary and Toronto make an appearance here. Past performances have included Joseph &amp; the Amazing Technicolor Dreamcoat, Shirley Valentine and Fab Forever. In late February, the resort will mount Motown Gold, a tribute to the soul sounds of the ’60s. 
</p>
<p>
While this 190- guest-room facility is one of eight Stagewest properties in Canada, there are special touches here, such as a collection of Medalta Stoneware on display at the Jungle Café. Amenities  include pet-friendly rooms and suites with kitchenettes.&nbsp; –Tracy Hyatt 
</p>
<p>
<b>The Inside Track</b>
<br />
<b>Art attack:</b> The Esplanade Arts and Heritage Centre, which houses the Medicine Hat museum, archives and art gallery, as well as a performing arts theatre, is as lauded for its glass building as for its impressive collections and shows (esplanade.ca). <b>Hive minds:</b> Sketchbooks are welcome at HiveHub, a co-op where visitors can hang out and talk to artists in their studios (hivehub.ca).<b> All you can eat:</b> The historic Hargrave-Sissons Block on Second Street is home to Inspire Studio &amp; Gallery, an art spot and café (inspireart.ca). One block west, Twist Wine Bistro and Restaurant offers tapas plates, such as Spanish lamb meatballs and marinated olives (twistmedicinehat.com). 
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      <title>Meditation on ice</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/72GJH6Ykm44/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/meditation_on_ice/#When:17:03:00Z</guid>
      <description>Arctic winds hammer mercilessly across Gull Lake’s frozen flatness. You could die out here.</description>
      <dc:subject />
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/Gulllake.jpg" width="401" height="602" />
</p>
<p>
Arctic winds hammer mercilessly across Gull Lake’s frozen flatness. You could die out here. Drag out a plywood shack, however, then auger a hole through nearly a metre of ice, and suddenly you’ve got yourself a microscopic palace of iconic Canadian recreation. 
</p>
<p>
Now you’re living. Unfold the camp chairs, light a propane furnace and hook a smelt on your rod. With the lake floor no more than eight metres down, it’s a quick drop to where the wintering fish hunt for sustenance. 
</p>
<p>
This 80-square-kilometre lake, halfway between Calgary and Edmonton, is a so-so fishery in summer, but frozen it piques the appetite of pike, perch, walleye, whitefish and freshwater ling cod or, as the locals around here call it, “poor man’s lobster.” 
</p>
<p>
Pour something invigorating from a Thermos and peer down that hole. There’s an undeniable Zen to ice fishing, even when, as is the current fashion, a submerged video camera reveals the comings and goings of future catches. 
</p>
<p>
Alas, city slicker, the want of a shack and an ice drill normally prevents you from joining this 
<br />
rural communion. It needn’t, though. One local outfitter offers the entire rigmarole for daily and even overnight use. Fish on, Johnny Canuck.
<br />

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    <item>
      <title>Traffic safety talk-back</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/y3fFOtgbxPc/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/traffic_safety_talk_back/#When:16:32:00Z</guid>
      <description>Traffic safety is a top three issue of concern, according to 83% of participants in AMA’s 20111 Traffic Safety Barometer Survey</description>
      <dc:subject>Driving and You</dc:subject>
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/working_for_your_traffic_safety.jpg" width="515" height="343" />
</p>
<p>
<i>Traffic safety is a top three issue of concern, according to 83% of participants in AMA&#8217;s 20111 Traffic Safety Barometer Survey</i>
</p>
<p>
<b>Most Albertans think they’re pretty good drivers</b>. But most are also concerned about their safety on the road, and when it comes to explaining why, they’re quick to point a finger at the other guy.
</p>
<p>
These are a few of the findings from a telephone survey AMA carried out in March 2011. The survey grilled 1,200 Albertans on traffic safety topics ranging from driving behaviour to collision causes.&nbsp; 
</p>
<p>
“The goal was to monitor changes in Albertans’ perception about traffic safety culture,” says Don Szarko, director of AMA Advocacy and Community Services. “It’s important to understand perceptions and align our advocacy efforts to make the roads safer for everyone.”  
</p>
<p>
<b>Who, me?</b>
<br />
Of the Albertans polled, 74 per cent rated themselves as very good or excellent drivers, but only 34 per cent ranked other drivers’ skills as highly. Some 38 per cent said they believe specific groups of drivers cause the majority of collisions. The majority of respondents also say they believe (correctly) that the most common causes of collisions are impairment, distraction and speeding. Yet 52 per cent admitted to the sins of speeding, talking on the phone while driving and texting behind the wheel. “Obviously, the numbers don’t quite add up,” says Szarko. “When we take responsibility for our own actions behind the wheel, instead of making excuses, we can start to make a difference.”
</p>
<p>
<b>AMA on the case </b>
<br />
For more than 80 years, AMA has been working with government, industry and community stakeholders to advocate for safer roads. Gauging public perception is just the first step, says Szarko: “The next is working with traffic safety partners to create the kind of public awareness that leads to safer driving habits and reduces collisions.” Read on to learn how AMA is doing just that.
</p>
<p>
Speeding: More time to react
<li>Choosing the right speed – not just the posted limit, but the appropriate speed for conditions – is critical to reducing crashes. AMA works tirelessly to raise awareness about the dangers of speeding. “Whether you’re a new driver or an experienced road warrior, and whether it’s a sunny summer day or a cold winter night, speeding gives you less time to recognize and react to road hazards,” says Szarko. Not only does excessive speed increase your chance of a collision, it significantly lowers your chance of surviving that collision.&nbsp; In 2006, AMA worked with its traffic safety partners to launch Give Us Room to Work, which advocates for an amendment to the Traffic Safety Act that requires drivers to slow down when passing emergency vehicles such as ambulances, police cars and tow trucks. </li>
<br />
Impairment: None for the road
<li>In 1984, AMA launched its first alcohol education course. AMA has delivered intervention programs to convicted impaired drivers on behalf of the Alberta government for more than 25 years. Its None for the Road campaign shares the message that if you’re driving, even one drink is too many. AMA encourages drivers to plan ahead for safe rides and promotes the use of real-time mobile technology, such as the taxiguy.com app, to help Albertans avoid drinking and driving. </li>
<br />

<p>
Distraction: One task at a time
<li>Alberta’s distracted driving legislation passed last year, but AMA has been lobbying for a change in the province’s laws for the past decade. “We know that driver inattention is a contributing factor in more than 80 per cent of collisions, and according to a Virginia Tech Transportation Institute study, drivers are 23 times more likely to be in a collision when they’re texting behind the wheel,” says Szarko. In partnership with law enforcement and victim services stakeholders, AMA encourages Albertans to make a commitment to driving distraction-free at: YourPledge.ca. </li>
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    <item>
      <title>Summertime is fun time in Fort McMcMurray</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/KMB0H3jb2MU/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/summertime_is_fun_time_in_fort_mcmcmurray/#When:22:21:00Z</guid>
      <description>Natural treasures and recreational opportunities heat up the summer in Fort McMurray</description>
      <dc:subject />
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2011-02-february/fortmcmurraybiking.jpg" width="339" height="428" style="float: left; margin: 1em;"/>
</p>
<p>
<b>Fort McMurray and the</b> Municipality of Wood Buffalo is also a terrific place for summer fun. Indeed, the long summer days of Northern Alberta make the region a summer haven. One of the best ways to see the sights is to canoe the historical travel and trade routes followed by the early trappers and explorers (Wood Buffalo National Park, the largest expanse of wilderness preserve in North America established in 1922 to protect the last remaining herds of wild bison, is a great destination for canoe and portage enthusiasts; it is best accessed by float plane). You can also explore sand dunes, hike innumerable trails (the Birchwood trails are a must-see) and of course fish in pristine waters. 
</p>
<p>
Golfers take note: in addition to fabulous hotels, restaurants and shopping, Fort McMurray also has three 18-hole courses located within the majestic boreal landscape, and the Suncor Community Leisure Centre contains athletics courts and an aquatic facility. Alternatively, you can spend the day slip-sliding away at the water park at MacDonald Island Park.
</p>
<p>
History and culture buffs will find much of interest at Fort McMurray thanks to organizations such as the Fort McMurray Historical Society, which has preserved the region’s unique legacy by creating its very own time capsule: a genuine heritage village. Heritage Park is a 6.6 acre exhibition of historical buildings, railways cars, museums and remnants of the city’s roots as an early fur trade settlement. Additionally, the nearby Marine Park with five historic vessels is Alberta’s only surviving ship yard.
</p>
<p>
<img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/discoverycentre.jpg" width="242" height="161" style="float: right; margin: 1em;"/>
</p>
<p>
More urban-oriented pursuits include playing squash, curling or taking a yoga class at the Suncor Community Leisure Centre in the heart of MacDonald Island Park; browsing Peter Pond Shopping Centre; watching an Oil Barons hockey game; or taking a guided tour of the Oil Sands Discovery Centre, where guests can view the Cyrus, an 850-tonne excavator considered to be one of Canada’s largest land-based industrial vehicles (another activity related to the Oil Sands is the Experience the Energy tours available between May and September). The end of each day heralds relaxation in the form of a spa or sauna treatment or dining on sushi, curry, and other international (as well as local) cuisine. 
</p>
<p>
Specific destinations such as Vista Ridge All Seasons Park are one way to indulge in a variety of activities within a single convenient location. Vista Ridge has been called the best non-mountain winter recreation in Alberta and has long been a popular family gathering place. It has eight ski runs for everyone from the most experienced athlete right down to the greenest of novices. Rails, a half pipe and jumps are enjoyed by snowboarders, and the park also contains five lanes for tubing enthusiasts (plus 190 tubes to ride and a Magic Carpet lift to bring you back up to the top if the hill once you complete your run).
</p>
<p>
Fort McMurray and the Municipality of Wood Buffalo is a true northern gem with enough recreation, sports, art and culture to compel guests to visit again and again. Discover what real summer magic is all about by contacting Fort McMurray Tourism to plan your vacation.
</p>
<p>
<div style="margin: 1em 0; padding: .5em 1em; border: none; background-color: #F5F9FF;"><p>
</p><h2>The Stay: Sawridge Inn and Conference Centre</h2><p>
<img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/sawridge_guest_room.jpg" width="200" height="134" style="float: left; margin: 1em;"/> Planning more than a quick trip to Fort McMurray?&nbsp; Let the Sawridge Inn and Conference Centre Fort McMurray be your home away from home. With 188 beautifully appointed rooms to choose from, the Sawridge Inn guarantees your stay to be a memorable one. 
</p>
<p>
The business class rooms are designed and furnished to meet the requirements of discerning corporate clientele. And the inn offers luxurious executive and honeymoon suites, perfectly suited to every special occasion. All guest rooms feature air conditioning, bathrobes, iron and ironing board, pay-per-view movies, complimentary wireless or high speed internet and coffee making facilities. 
</p>
<p>
<strong> Contact info: Sawridge Inn and Conference Centre Fort McMurray</strong>, <strong>530 MacKenzie Boulevard</strong>, <strong>888-729-7343, <a href="http://sawridgefortmcmurray.com">sawridgefortmcmurray.com</a></strong>
<br />
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    <item>
      <title>Come play in Fort McMurray in the winter</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/zkWfWjWICss/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/come_play_in_fort_mcmurray_in_the_winter/#When:21:30:00Z</guid>
      <description>Because Fort McMurray is an active community, you’ll find a destination event or activity available virtually any time of the year.</description>
      <dc:subject>Alberta</dc:subject>
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2011-02-february/FortMcMurraywinter.jpg" width="503" height="335" />
</p>
<p>
<b>Finding fun and exciting</b> activities in the Region of Wood Buffalo is easier than you think, no matter what time of year you choose to visit. Fort McMurray is a tourism hub for the surrounding region of Wood Buffalo, and there’s plenty to see and do around this growing community that’s currently home to an estimated 75,000 full-time residents. It’s the economic centre of an area that’s rich in history and natural beauty, with a vibrant future and outstanding recreational options — BigSpirit.ca can get you started. Because Fort McMurray is such an active community, you’ll find a destination event or activity available virtually any time of the year.
</p>
<p>
Fort McMurray excels at creating opportunities to make winter a celebration. Residents are proud of their community, and always willing to share their experiences. There&#8217;s even a wesbite, <a href="www.facesoffortmcmurray.com " title="FacesOf FortMurray">FacesOfFortMurray</a>, dedicated to share their stories. One visit this winter — perhaps during the city’s annual Winter-PLAY Carnival — will show you why 
</p>
<p>
<a href="www.eventswoodbuffalo.com" title="WinterPLAY">WinterPLAY</a> is a 10-day whirlwind of activity centred on the Snye — a waterway that once connected the Athabasca and Clearwater rivers, but now serves as an inlet defining one edge of MacDonald Island Park. This year’s carnival will offer exciting outdoor options like an ice castle, dogsled rides, outdoor cinema and a sugar shack, but other facilities are planning a whole range of indoor attractions. Check out the B-Boy contemporary dancing at Suncor Centre for the Performing Arts, or watch rap rockers Down with Webster play at MacDonald Island Park. Head over to the Keyano College - Syncrude Sports &amp; Wellness Centre, where you can participate in the world’s first green midway or shop the unique crafts and artwork at the winter market.
</p>
<p>
WinterPLAY may be a focus for celebration, but you can enjoy Fort McMurray’s winter fun anytime. This is an area known province-wide for its snowmobiling. The Fort McMurray SnoDrifters are an active group of sledders, maintaining a huge trail system that’s easily accessible, varied in content, and likely to yield some excellent wildlife viewing. All it takes is a trail pass, which is readily available at Fort McMurray Tourism.
</p>
<p>
If speed isn’t your thing, how about ice fishing? If you’re hankering for some angling action, winter is actually the most active time for fish — and there are plenty of places to drop a line, whether the target species is whitefish, perch, pike, walleye, trout or burbot. Although locals may take it for granted at times, the Fort McMurray area is an excellent spot for catching the light show known as Aurora Borealis — perhaps the ultimate in large-scale spectacles. Highly charged electrons emitted by the sun react with elements in the upper atmosphere to create a spectacular effect that is best seen in the north. Scientists predict that sunspot activity (which releases the reactive electrons) will be high this year, so now is the time to plan a Northern Lights escape.
</p>
<p>
Fort McMurray can offer a broad selection of accommodation for the adventurous visitor — everything from cosy bed &amp; breakfasts to full service hotels with fine dining and therapeutic spas. Use Fort McMurray as a base for your next outing: local tour companies can put you in touch with one of several helicopter and plane outfits that offer tours over the impressive oil sands projects or out to some great hunting and fishing lodges. Or, make your adventure a series of day trips, with a hot tub and a hearty meal awaiting at your home away from home.
</p>
<p>
Even with the sun low on the horizon, this place is all about activity and fun. So don’t let Old Man Winter get you down — head north for an adventure in a community that knows how to do winter right: Fort McMurray.
</p>
<p>
<div style="margin: 1em 0; padding: .5em 1em; border: none; background-color: #F5F9FF;"><p>
</p><h2>The Stay: Sawridge Inn and Conference Centre</h2><p>
<img src="http://www.ama.ab.ca/westworld/images/uploads/2012-02-february/sawridge_guest_room.jpg" width="200" height="134" style="float: left; margin: 1em;"/> Planning more than a quick trip to Fort McMurray?&nbsp; Let the Sawridge Inn and Conference Centre Fort McMurray be your home away from home. With 188 beautifully appointed rooms to choose from, the Sawridge Inn guarantees your stay to be a memorable one. 
</p>
<p>
The business class rooms are designed and furnished to meet the requirements of discerning corporate clientele. And the inn offers luxurious executive and honeymoon suites, perfectly suited to every special occasion. All guest rooms feature air conditioning, bathrobes, iron and ironing board, pay-per-view movies, complimentary wireless or high speed internet and coffee making facilities. 
</p>
<p>
<strong> Contact info: Sawridge Inn and Conference Centre Fort McMurray</strong>, <strong>530 MacKenzie Boulevard</strong>, <strong>888-729-7343, <a href="http://sawridgefortmcmurray.com">sawridgefortmcmurray.com</a></strong>
<br />
</p></div>
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    <item>
      <title>Driver education for life</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/dos9sveACxs/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/driver_education_for_life/#When:00:11:00Z</guid>
      <description>From the time you get a learner’s licence to the day you stop driving, your road skills need regular refreshing</description>
      <dc:subject />
      <dc:date>2012-01</dc:date>
<content:encoded><![CDATA[ <p><img src="http://www.ama.ab.ca/westworld/images/uploads/2011-02-february/Behind_the_Wheel_young_driver.jpg" width="288" height="286" style="float: right; margin: 1em;"/>
</p>
<p>
<b>Do you know how close you can</b> legally park to a stop sign? How much space to leave between your vehicle and the one in front of you in normal driving conditions? Which way to point your wheels when parking uphill (on the right) on a street with a curb?
</p>
<p>
If you’re like many Alberta motorists, you probably don’t, because it’s been years since you’ve had any formal driver training. (For the record, the answers are: five metres, the distance travelled in two seconds and to the left.) Only 11 per cent of Alberta drivers who took a test on road rules as part of a 2010 AMA Foundation for Traffic Safety Research study got a passing grade.
</p>
<p>
The study also found that the longer the time since the drivers had got their licences, the less they knew about the current rules. “
</p>
<p>
The longer you’ve been driving, the likelier it is that you’re breaking some rules without even realizing it,” says Rick Lang of AMA Driver Education. “Driver education should be about lifelong learning.” 
</p>
<p>
Traffic rules and driving guidelines change over time. An example: do you know the correct position for hands on a steering wheel? You probably think it’s 10 o’clock and two o’clock, but it’s actually nine and three. This guideline changed several years ago when airbags became a common feature on North American vehicles.
</p>
<p>
On the road, a knowledge gap can have serious consequences. “The majority of crashes are preceded by at least one traffic violation,” Lang says. So how does the average driver stay road-savvy? “If you want to find out how good you are, take a lesson or a driver’s assessment,” suggests Lang. For about $120, an instructor can tailor a private two-hour assessment and lesson for you. 
</p>
<p>
These refresher courses aim to keep you driving safely, whether you’ve been on the road for five years or 50. Of course, all drivers should begin their lifelong education with training from a provincially licensed driving school (such as AMA Driver Education, where novice courses include 18 hours of classroom instruction). From there, Lang advises recharging your knowledge and skills every three to five years. Start by reading up on the current road rules (see the Basic Licence Driver’s Handbook online at transportation.alberta.ca/733.htm). Then visit ama.ab.ca/driver-education to take a learner’s practice exam. 
</p>
<p>
If this sounds taxing, remember: driving errors can cost you fines and demerits. If you accumulate eight demerits, the Department of Transportation sends you a courtesy letter. Pile up 15 and you get a registered letter suspending your licence. This happens more often than you might think – as of March 31, 2011, there were 2,739 drivers in Alberta with demerit-related suspensions.
</p>
<p>
But there’s a silver lining. Alberta drivers can participate in a government-approved driving program, such as AMA’s Demerit Reduction Defensive Driver Course, every two years to remove up to three demerit points from their record.
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    <item>
      <title>The nitty-gritty on winter tires</title>
      <link>http://feedproxy.google.com/~r/WestworldMagazine/~3/IVT-_ReM3IA/westworld</link>
      <guid isPermaLink="false">http://www.ama.ab.ca/westworld?/articles/the_nitty_gritty_on_winter_tires/#When:23:56:00Z</guid>
      <description>When the mercury goes south for the winter, it’s time for Albertans to think about tires. But do you really need winter tires, or can allseasons get you by? Let us roll you through the basics.</description>
      <dc:subject />
      <dc:date>2012-01</dc:date>
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</p>
<p>
<b>Watch video of AMA&#8217;s Rick Lang discuss winter driving and winter tires </b>
<br />
<b>The grip factor</b>
<br />
Where the rubber meets the road, there are huge differences in tire construction. Winter tires, which sport the mountain-and-snowflake symbol, are made of a softer compound that retains elasticity down to –40 C. Coupled with tread designs that take larger bites out of snow, and channel ice and water away, this improves stopping distances, traction and handling ability in cold weather – by as much as 50per cent, according to some tests.
</p>
<p>
All-seasons, on the other hand, start to harden and lose traction at around 7 C. Some all-season varieties, known as “mud and snow” tires (stamped with the “M+S” symbol), have a tread pattern designed to channel mud and snow away, but they generally use the same hard rubber compound as other all-season tires. A new tire category, “all-weather,” has also appeared on the market, offering slightly better winter traction than all-season tires, but still not matching the coldweather performance of true winter tires (nor the warm-weather performance of all-seasons).
</p>
<p>
<b>Buy winter tires or make do?</b>
<br />
So should you buy winter tires? The answer is as individual as each driver, says Randy Loyk, AMA manager of technical services. “They do cost a bit more, and require the effort of changing them over each year, but if you’re driving in rural areas or in places where snow isn’t cleared regularly, you may want to consider it ,” he says. Ask yourself a few questions to decide whether you need winter tires: will you be driving rural, uncleared areas, or mainly on cleared city streets and highways? Do you often have to drive in several inches of snow or otherwise poor conditions?
</p>
<p>
<b>Four for the win</b>
<br />
Can you get away with just two winter tires? That’s asking for trouble, according to Transport Canada and the Rubber Association of Canada. Tires are designed to perform optimally as a set of four. Installing just two at the front will result in poor vehicle handling – it could cause you to go off the road backward in a turn, for example. “Issues with the drive train can also arise in all-wheel or four-wheel-drive vehicles if just two tires are replaced,” says Loyk.
</p>
<p>
<b>Baby your tires</b>
<br />
To prevent uneven tread wear and ensure proper contact with the road, keep your wheels properly aligned. It’s ideal to have your alignment checked twice a year – the seasonal tire switch is a perfect time. Use your vehicle’s prescribed alignment settings, as opposed to the tire manufacturer’s. Also stay on top of your tire pressure, which affects handling, tire wear and fuel efficiency. Check it at least once a month. When your tires aren’t on your vehicle, wrap them in airtight, opaque bags and store them in a cool, dry, ventilated location to protect the rubber. Stored tires should be kept away from electric motors and welders, as these produce ozone, which will damage rubber over time. If your extra tires are on rims, deflate the tires to 15 psi and stack them – four high is the maximum. If they’re not on rims, store them upright. Rotate your stored tires monthly to avoid deformations.
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