14 — Wednesday, August 26, 1998 — North Shore News north shore news

our.own “transitioning” - into a trial run of semi- retirement. : From working six and seven days a week, we have eased back to three days. ; We kept part of our free- lance communications and '_ advisory business (with its self- remployment tax deduc- tions); I teach journalism two days a weck while Mandy takes a couple of courses at the same universi- “After several different careers, we’ll transition into a balanced life during our 50s, 60s, and 70s...” ty. (Ir took me almost three years to line up the teaching job, so start your planning early.) Our RRSP and non- RRSP investments (not all Canadian — you must diver- sify to offset the kind of weakness we've been secing in the Canadian dolfar) _include some residential and “commercial property, riutual funds and individual stocks and bonds. We set aside a lump sum to cover relocation expenses; we kept our former home in case the new location docs- n't live up to our dreams. We plan to five on the work income until we see how things evolve. Then we will shift more into the “spend ard enjoy” mode. We'll keep you posted on how theory translates into reality —- to help you find more gold in your golden years, whether you plan your transition at age 45 or 75. Now, how many of author-broker Holzer’s tips are you following? ®@ Keep your dreams in focus and work toward mak- ing them come truce. @ Revisit your retirement plan annually. Are you sav- ing enough to reach partial or full financial indepen- dence by your target Pets groomed compassionately . From page 13° i it a groomer, Lundrigan has ituted a way for the pets to gradually case into her atmos- here. - “If a dog doesn’t want to -"be.groomed you can build u * its. confidence,” said Lund- tigan... : First-time: visitors can sim- On their second visit, the stay.'a little longer and poss iy. ‘have - their nails lippe “By ‘the third: visit. they’re Teady for. anything or they ” id. Pizza all around Seycove student Tom Lortie has been making pizza for three years and somewhat sur- prisingly he still likes to cat it. “If a dog doesn’t want to be groomed you can build up its confidence.” In fact he likes to eat it more that he likes cooking it which he described simply as, “it’s a job.” : The amateur guitar and drums player hopes to become an architec’ « 3n he aduates and in the 2° antime he’s con- tent to stick with making piz- zas. As for his own favorite vari- ety, che answer is always the last one “¢ ate, which on this day was o1e mixed up pie: barbe- cue sauce, bacon, green pep- pers, red peppers and onions. All the rest... The other businesses” in the plazas include Aztec Tanning Studio, Salon Six Unisex Hairstyling, General “fechnical Services Ltd., Jetferie’s Dry Cleaning, Riverside Pizza and Subway. in effect at the 12 lower mainland locations including: THE SALVATION ARMY 241 Lonsdale, North Van. 261 E. 12th Ave., Vancouver 2714 W. Broadway, Vancouver 734-1821 5491 No.3 Rd., Richmond THRIFT STORES 980-4413 874-4721 278-5997 date(s}? @ Keep things simple. Have RRSP and non-registered instruments that suit vour investment personality. ® Keep vour personal and financial options open to deal with all the changes the future will bring. You can't escape taking charge of your future. Ottawa will continue to make drastic changes — like the recently deceased seniors benefit and new tax laws every budget. Companies are moving away from guar- antecing monthly pensions and will Icave pensioners’ incomes to the market — and an investment scence which changes regularly. — Copyright 1998 Mike Grenby Mike Grenby is a colum- nist and independent person- al financial adviser; he'll answer questions in this col- unin as space allows but can- not reply personally — con- tact him at P.O. Box 50029, South Slope R.P.O., Burnaby, B.C. V5] 5G3; e-mail mike@grenby.com and see pre- vious columns at Mike’s web- Site, wwwgrenby.com ~/ when the banks say “no” ~/ when speed counts / low rates and fees “Celebrating our (3th Anniversary: Call me for a quote today” 687-2020 Lender Broker fees may apply | Pacific Marine Training Campus of BCIT 265 West Esplanade, Attention Boaters: The Federal Government has introduced legislation that will ultimate- J” ly result in the licensing of all boat operators. You can be prepared for J- this by taking a Canadian Power & Sail Squadron Boating Course. S N.Van. B NORVAN POWER and SAIL. SQUADRON will be offering the following’ evening courses at Pacific Marine Training Campus (PMTC) this fall: * Boating Mons or Tues for 13 weeks, starts Sept 8 * Marine Maintenance Tues for 14 weeks, starts Sept 15 * Weather Weds for 14 weeks, starts Sept 16 ¢ VHF Radio Thurs for 3 weeks, starts Oct 15 * Junior Navigation* TBA © Piloting” Mons for 14 weeks, starts Sept 14 (‘re available to the general public) : Registration for all courses will be at PMTC on Tuesday, swept 1998 at 6:00 p.m. Courses are held from Jpm-s mo” for Silly Deals like these ‘98 dee B.C.’s. ‘lowest prices. "GUARANTEED! = tUs For M silly Prices! *