~ V6B 4A2. iitting a high note Laudate opens second season this Sunday By Layne Christensen Community Reporter CHORAL conductor Lars Kaario has some- thing to sing about. His Laudate Singers are enjoying the opening of their second season, following a successful inaugural season that ended with positive reviews and. invitations to North American and European festivals. Come springtime, the 24-voice choir hopes to make a recording. Only a lack of funding could leave the choir hitting a sour note. “ “We are a new group so we're trying to get established and work on developing a’ financial base,” says Laudate’s artistic director before rehearsal for the season-open- ‘TW show seeks — A British Columbia .. history series currently in production at CBC Vancouver is secking -archival film footage _ and photographic stills, B.C. Tises is a Series of six half-hours to be b;aadcast on CBC Television’. .British ... Columbia | starting: in‘ late. October, and will chronicle - -. _the. phenomenal _transforma- tion of British Columbia from prehistoric times to. pioneer ~ country to its current status at the forefront of the Pacific .” Rim economy. The series: will combine archival material with interviews with — historians, ' native and ethnic leaders, and B.C. residents — including ’a 102-year-old pioneer woman. .° ©’ But don’t expect a travel- . , ogue. The . documentary series will stir up . debate around provocative topics such as exploitation of natural resources; racism and immi- gration; and native issues. : The producer/director is David Paperny, producer of the Academy Award-nomi- nated Dr. Peter’s AIDS Diary. Film footage and pho- tographs for the project are being collected from muse- “ums, libraries and archival collections. / » “Much of the documentary material comes from. CBC’s own vast archival library, The’ CBC has been here document- ing. people’s lives for many — decades,” states Paperny. “Burt . we know there's some gems still out there.” Anybody with archival film and/or video footage or archival photographs should “submit their materials to: David Paperny, B.C. Ties, CBC. British Columbia, P.O: Box 4600, Vancouver, B.C, Paperny’ can be reached at 662-6657. er, The Magic of Motets. The performance takes place this Sunday, 3 p.m. at St. Andrews United Church in North Vancouver. Arts organizations were wary of lending their support during the choir’s first season so Laudate had to rely on individual donors and_ ticket sales to keep afloat. But this year the choir is in better “ Singing is good for the soul. ” — Laudate member Eliza Green-Moncur stiape, With a financial plan and charitable status in the works, it is looking for corpo- rate sponsorship and commu- nity support. John Mingay, president of Laudate’s board of directors, thinks it’s a solid investment. poo ttt co ‘CONCERNED SENIORS LO “With just a year under the chair’s belt, they —~ certainly in my view — are the preemi- nent choral group on the North Shore, bar none,” he says. “And J think they are perhaps only a step behind the Vancouver Chamber Choir, which has been in existence a long time.” Mingay is optimistic of the choir’s future. “T think in the long haul they have the opportunity and the talent to become one of the preeminent choirs in Canada.” Kaario is excited about the possibilities. “There’s so muclt incredi- ble music out there. There is such a fantastic range of reper- toire for this size of ensem- ble,” he says. Choir members like alto Eliza Green-Moncur and tenor Jeff Cabralda, who sang under Kaario’ with Capilano College Singers, and bass singer Jonathan Liebich, a for- mer tuba major in the col- lege’s music program, believe SUNDAY'S performance, The Magic of Motets, features a repertoire that's centuries — from the 1500s to (wo works that were completed one mon in the choir’s potential. Each have their reasons for working towards the choir’s continued success but Green- Moncur says it best: “Singing » -ADVENTISEMENT is good for the soul.” Subscriptions for Landate’s three-concert series are $35 for’ adults, $28 for seniors and stu- dents, available by calling 222- 3158. Individual concert ti ets are $12 and $10, and, -fo the final performance, $16.4 $12, available through CBO.at 280-2801. an’ REVERSE MORTGAGE T he recent reduction in- ‘sau id. Spending by the federal “government has seniors ~:~: concerned that their Canada ension will more than likel e reduced in the future. [t will become: increasingly e ’ important for seniors to ‘financially independent - and | that means maximizing the income generated by all your” assets. Carol Christopherson | Vice President Canadian Home Income Plan™ Corp. Carol Executive Vice © President Canadian Home Income Plan™ (CHIP) feels that the most under utilized asset for most people is their home, "That is partly because, until 8 years ago there was no good way of using the equity in the home without selling it," says Christopherson, "but since the reverse mortgage was devel- oped in the late 80's more and more people are realizing that they can have their cake and eat it too.” The reverse mortgage was designed by the Canadian Home Income Plan™ Corpora- tion in 1986 to. provide ‘thousands of eligible h owners have taken advantage. ‘of the: program to enhance ‘their lifestyles and assist their. : children with financial goals... Christopherson, . Canadians over the age of 62 with a unique financial. . ‘ough CHIP™ - ‘they were able to access some of the substantial equity that’ - opportunity. had built up in their homes. Over the past eight ome- Because the home represents the’ majority of, assets for retirees, unlocking a portion make-a_lot of sense. The ~ amount of equity that can be - - ‘taken is based on age and can ' be received ail as cash, if there is a specific need, all as monthly income, or as a com- - bination of both. This enables - the individual to tailor the program to the financial free- dom they desire. The most’ popular use of CHIP™ can be grouped under the category - of “Lifestyle.” Vacation, home renovations or a new car would all fit in here along with home help which coul be anything from a gardener once a month to 24-hour-a- day nursing care. “What's important for peo- ple to realize 1s that this is not a program of last resort or one that only fits for a low income group,” says Christopherson. We have many quite wealthy eople who use the program or financial and estate planning." One of the reasons for this is that the monthly income created through CHIP™ allows interest income to be received on a non-taxable basis (while the mortgage is still in-place) through a tax ruling they. won in 1587. This ears, © opens up some interesting tax P anning opportunities as’ as t well e. ability to pass a ortion ofthe .children's inheritance to them at an ear-. - lier date when they are prob- -’ ” ‘'- a close second: CHIPT ably more in need. _ CHIP™ .is known.as a, ‘reverse mortgage because no: . “repayments are required on — ’ - the capital advanced “during - the: homeowner's: lifetime. ‘Instead, ‘the. principal _plus interest is repaid all-at once o “> from fie estate. This‘ leaves of its value to provide a ~ desired lifestyle appears to the homeowner to enjoy the full benefits during their life- time knowing that it does not uire repayment until they die. Both the mortgage com- onent and the income option Et that is chosen) are guar- anteed to continue for the homeowners lifetime provid- ing security to the homeowner. Security has been an extremely important concern to the Canadian Home Income Plan™ Corporation and they. have taken many steps to ensure total security to the homeowner. Not the least of which is the stipulation. requirin all applicants to review the lega documents O HEL with their lawyer before the ’ are allowed:to enter CHIP: _. that certainly provides a gre: ' ‘deal of peace of mind. _ If security is number one ‘people's list.then flexibili aware ..of this .and::-has designed their reverse ort that become necessary. The have really worked to: unde: ‘stand their target: market and develop.a product’ to -fit needs. 2 “Our primary ebjective. CHIP™ is to educate peopl about the CHIP™» reverse mortgage. Retired’ people have spent many hours learn- ing about RRSP options, annuities, mutual funds, gov- ernment benefits. and ‘other retirernent income options; they owe it to themselves ‘to invest a little time learning” about CHIP™, oo . For details on the CHIP pro- gram, please complete the cou- -non below and return it to #1155-555 Burrard = Street, Vancouver, BC V7X 1M8, or tel- _ ephone 685-2447. ; nsot! ° I am eligible for CHIP. Please send me an information’. | package to explain how [can benefit from this important - inancial planning option. Name Address City: Telephone #: House value: Postal Code: Age:M _____ Existing Mortgage: