24 — Fricay, June 28, 1991 - North Shore News ) | Keith Sanders here, Manager of Trust Services. | was just about to pop out and get some suntan oil in preparation for my seminar. Since when has suntan oi! been a teaching aid? Since we decided to host a “Seminar at Sea”. Not just any sea, either. It's the Mexican riviera. Here’s what happens: this November we get on one of those lavish cruise ships, motor down the coast, visit Cabo San Lucas, Puerto Vallarta, and other notable spots. In between the dancing, dining and suntan oil, we'll learn all about estate and retirement planning. Now, | get to go free because i'm one of the speakers but for a remarkably low US$945 you can come, too — read the story to the right for more details. See you poolside? Sorry, folks, it’s members ad / 4 che mail... But where? The modern miracle of Canada Post delivers 35 million pieces of mail every day. As you can imagine, some of that volume is undeliverable, even though it’s a tiny percentage — about 1%. But what if that 1% includes your Family Allowance cheque? And what if you reed your pension cheque right now? 97% of the time, Canada Post delivers mail travelling nationally within 4 days of mailing. What if your cheque is in the 3% that takes a few days longer? That's one of the advantages of direct deposit, a new service offered to members. Now, federal government payments (Oid Age Security, Canada Pension Plan, Family Allowance, War Veterans Allowance, Civilian War Aliowance, Canada Pension Commission) can be deposited directly to your account via computer. No muss, no fuss, no waiting. The day the government makes the payment is the day it’s in your bank account. The catch? You have fo request direct deposit by filling out a form. Stoo by your branch and pick one up. Or phone your branch (numbers on the back page} and we'll mail you one. <> rey. One more reason to hit the road... Why do people travel? All kinds of reasons. 31% of us travel to visit friends and relatives; 29% travel for business; 4% for sightseeing; 3% for conventions; 3% for shopping or medical reasons; and many other reasons. But have you ever thought about travelling for retirement planning? Well, here's your big chance. This November you can cruise down the Mexican coast aboard the Fair Princess cruise ship. We » call it our “Seminar at Sea”, a joint initiative of four local credit unions. While aboard, you'l! participate in estate and retirement planning seminars, given by two credit union experts, Gary ingamells and our own Keith Sanders. What affect will interest rates and inflation have on your retiiement and “Money, and not morality, is ‘the principle of commercial nations.” -—— Thomas Jetferson “For I don't care too much for money, for money can't buy me love.” — John Lennen lifestyle options? Should you put your estate in trust? Should your estate assets be registered differently? What is asset registration anyways? Knowing the answers now wiil help greatly when you retire — whether that's 10 or 30 years from now. It's an all-ages seminar. And in between learning tow inflation will savage your pension, you can kick up your heels in Cabo San Lucas, Mazatlan and other Mexican sun spots. The 7 night cruise starts at US$945 and departs this autumn, November 2nd. For more details, ask at your branch of Falcon Travels, 986-5321 (North Vancouver) or 872-2871 (Vancouver). Sorry, folks: it’s a members only opportunity. Of course, it's easy to become a member. $25 is all it costs and you can take advantage of all these great deals. Commission free travellers cheques, trips to Mexico — we're a whole new way of banking. <> “| don't know, darling. These things aren't that cheap...” Children — love ‘em or hate ‘em, they cost a bundle. About $80,000 by the time they're 18, in fact. Considerably more if you want to send them to college or university. What's a worried — and broke — parent to do? Have tess children and start saving now to defray costs later. Keep in mind that children get more expensive as they get older. We actually have a youth account, the Buck Bagg Bonus Account, especially for youth members but parents can take advantage of it, too. When junior’s born, open a Buck Bagg account under your child's name. Put aside a few bucks each month — maybe the Family Allowance cheque via direct deposit — as an educational or rainy day fund. The advantage of the Buck Bagg account is that it earns 4% bonus interest rate over our other savings rates. ’