Summer Scene at West Van Seniors’ Centre

Tips & events this summer include:
- — Tuesday BBQs and Friday afternoon teas. Enjoy
delicious food and multicultural entertainment.
— Visit the Forestry Museum in Duncan
-—~ Take part in our River Rafting Expedition
— Attend our Folkfest on August 13
Join us with a friend or meet new ones here!

For further information call 926-4375

9-4:30 Monday-Friday

Vancouver's  sunniest
suburb, White Rock has
become something of a mecca
for affluent retirees in search of
short. mild winters and long
summers that stretch deep into
tg. Now there’s an even
better reason to spend the best
years of your life in this
picture-perfect seaside re-
sort...Pacific Terrace.

One of a kind ia concept:
quality and location. this
beautifully appointed apartment

residence offers a thoroughly,

relaxed lifestyle in which fine
dining, healthy recreation and
good company go hand-in-
hand.
Entering the Jobby. you
“cannot fail to be impressed by
the obvious difference in
design and decor, Like a fine
European hotel. it welcomes
and surrounds you with a
feeling of warmth, security and
the promise of gracious
hospitality within...Indeed.
your every need has been
anticipated. .

“Our first impression was of
the artistic manner in which
the building is finished.”

At home in your spacious
private apartment. enjoying
billiards or bridge in the
comfortably furnished rooftop
lounge or sharing a table with
friends in the formal dining
room, you'll soon discover the
very real benefits of a compicte
and positive change of
perspective, pace and living
convenience.

For inspiration, all you
have to do is look out the
window. The magnificent
ocean views are a constant
source of wonder and delight.
For relaxation, an clevator ride
will take you to the library,
games room or the crafts
centre. And who could fail to
appreciate the convenience of a

Don’t retire to possible financial hardships

FINANCIAL PLANNING is a
rapidly growing service. This is
not surprising when you consider
the complexity of our tax laws
and the uncertainty of the eco-
nomic situation. .

People approaching retirement
should ensure that they are not
one of the 50% of Canadians who
retire in financial hardship.

Financial products and services
come in so many shapes and sizes
that it is difficult for the untrain-
ed person to find a sensible way
through the maze. When seeking a
financial planner, make sure you
are dealing with someone whose
attitudes and philosophies are sim-
ilar to your own.

The best financial planners get
their clients by referral from other
satisfied clients, so ask around
among your friends and don’t be
afraid to ask questions about ex-
perience, education and profes-
sional background.

With current economic volatility
(tax rates, interest rates and
uncertain economic times), main-
tain a high degree of flexibility. It

Advertisement

White Reck's most fashionable
retirement residence

Personal service, fine cuisine and friendly conversation make dinner

a high-point of lite at Pacific Terrace.

pool.
and

magnificent indoor
jacuzzi. sun) terrace
exercise facilities?

“Everything we could possibly
want is built into our
apartment or is right on our
doorstep.”

The choice of individual

accommodation is equally

impressive. Ranging in size
trom 700 to 1150 square feet. a
variety of attractive one and
two-bedroom floorplans
provide a wide choice of
outlook and living space.

You'll be delighted with
the generous fiving and dining
areas. not to mention the extra
dimension of enjoyment
provided by large picture
windows and a_ neatly
integrated sundeck.

Centred on a cozy fireplace
with mantle and matching
marble hearth. the interior
detailing and tasteful colour
coordination are particularly
pleasing. Bright, casy-care
kitchens with oak-trimmed
cabinetry and a full com-
plement of labour-saving
apptiances including a dish-

washer and ensuite laundry
make light work of house-
keeping. Ensuite master
bathrooms featuring unlimited
hot) water supply and
“memory” bath/shower con-
trols, large walk-in closets and
ample storage space. all add to
the sense of order and
thoughtful design) which
prevails throughout.

For your added comfort
and safety. construction is
concrete and stecl windows
are double-gluzed and each
suite is provided with
individual climate controls and
smoke detectors. Bedrooms
and bathrooms also incorporate
a 24-hour emergency call
system. .

“We've never been so spoiled
and enjoy it thoroughly.”

With few household duties,
residents are free to enjoy all
that Pacifie Terrace und White
Rock have to offer. Long
summer days on the seafront,
the golf course or simply
drinking in the fresh air on your
own spacious sundeck.

may be difficult to determine
when to convert RRSPs to in-
come.

Accessibility may be required.
Many people have a fair amount
of capital; however, it is locked in

By Teresa Black Hughes
Contributing Writer

and not accessible wher required.

Know how much you’re spend-
ing now to establish how much
you will need or want in retire-
ment. The successful management
of your cash flow is the most im-
portant aspect of achieving finan-
cial independence.

Our advice on RRIFs: take a
look around. Current legislation is
tremendously flexibie in providing
income in retirement.
not all RRIFs are created-alike.

If you want to change you in-
come stream or have a Sump sum
withdrawn, the flexibility is only
as great as what the financial in-
stitution allows.

involve your spouse in planning

{n winter. there’s ample
lime, space and incentive to
entertain at home. With a
superh chef and cqually
impressive surroundings,
gourme! dining is a highlight of
daily life with meal plans to suit
your lifestyle. Dinner purties
are catered on request and your
guests are most: welcome.
Special dicts and tastes are
taken into consideration.

At Pacific Terrace. you can
come and go with complete
confidence. There’s someone
on hand 24-hours a day and the
emergency call system in every
suite provides peace of mind at
all times. When you're away
on vacation, your suite will
continue to be checked and
serviced.

* Suffice to say. that Pacific
Terrace is the perfect place to
celebrate your success aad
those who value their financial
as well as their physical well-
being will appreciate the terms
as much as the benefits. There
are no entry fees und no capital
investment is required. A
simple monthly — rental
agreement is all you need to
qualify for a more relaxed and
rewarding lifestyle. You've
earned it!

Centrally located in the
heart of White Rock on Russell
Avenue, Pacific Terrace is just
steps away from the main
shopping centres. Churches,
financial institutions, medical
facilities and community
services are equally convenient.

Owned by Canadian Pacific
Limited Pension Fund and
professionally managed by
International Care Corporation,
a wholly owned subsidiary of
London Life, Pacific Terrace is
open Noon to 4 p.m. daily. For
more information or an
appointment to view, simply
call Clare Haley at 538-1319.

However, —

your financial future. In a
husband-and-wife situation with
one spouse handimg the financial
affairs, the survivor is faced with
considerable tasks upon the death
of the partner. Not knowing or
understanding the family’s finan-
cial matters only adds to the pain.

Longevity is a critical factor in
estimating future income needs.
The health of you and your
spouse is important. The effects
of inflation for those in retirement
can seriously erode the buying
power of your income.
® 85% of women outlive their
husbands
e Retirement can comprise as
much as 20% of your lifetime.
© 75% to 85% of pre-retirement
income is required to maintain the
same standard of living.

Ensure that you have an up-
to-date will; one that reflects your
current marital status, property
holdings, beneficiary and executor
choices. And be certain that your
dependants can live comfortably
in the event of your death.

You should never invest in any-
thing if the risk involved makes
you feef~ uncomfortable. Some
peopie are risk-takers and others
are not.

Teresa Black Hughes is’a repre-
Sentative of Solguard Financial

RITISH COLUMBIA'S
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BY NIGHT... you will enjoy thi
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a CRAFT INC.
212-1656 Duranleau
Granville Island
Vancouver, B.C.

: VOH 354
Tags 2 to Granville
Island Market
Phone: 683-0545
Toll Free: 1-800-665-6889