ABLE TO CHUCKLE at all the recent snow and cold conditions, these flowers, under
glass, thrive in the beautiful Park and Tilford Gardens in North Vancouver all year

long. (Elisworth Dickson photo)

MANAGER'S REBATE

The management of Tom Lee
Music will rebate you $100.00 upon
purchase of a piano or $50.00 upon
purchase of an organ after you've
made the best deal with your
salesman.

Prestige Service

Bosendorter, Steinway & Sons, Petrof,

Rosier
Weinbach, Yamaha, Calisia, Legnica

To quailty this ad must be presented at time of purchase

Gate ends Jan. 30, 1982

‘TOM LEE MUSIC ©

Granville 68: 5.8471
of W. Broadway 732°7648

ro
mes
-

.
oa
ete tae

_— ry : 1982

I want you to
imagine for a moment
that you're dead.

Now, don’t say, “Wait a
minute. First let me take
care of a few details.”

Just imagine there’s no
time for any last minute
details.

So, pull up a cloud and sit
down. It’s time to talk about
gettng your affairs in or-
der....

Partly because none of us
likes to think about death,
particularly our own, and
partly because we're so
caught up with the problems
of simply living from day-to-
day, we tend to put off
preparing for something that
happens to all of us. But
while the subject shouldn't
preoccupy us, there are
some practical things we can
do to make our deaths easier
for those we leave behind.

Jill Stocker is director of

Educational elations for
the Canadian Life and
Health Insurance

Association and she spoke to
me recently about this very
topic of planning for death.
She said a plan should be
made while people are still
living; that the first thing a
husband and wife should do
is sit down and discuss the
various financial tran-
sactions they are committed
to, like insurance policies,
banking and_ other in-
vestments, so that each
knows all the family business
activilies.

Personal documents hke
birth and marrage cer-
tificates, divorce papers,
real estate contracts and
wills, should all be listed and
stored in a safe and ac-
cessible place known to all
so that, if something hap

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PULL UP A CLOUD

Imagine for a moment-
that you're dead

pened, they could be
retrieved immediately.

She also suggested that
some record of this family
discussion be kept so that
each member known exactly
what exists in the family’s
financial portfolio.

When asked if a will would
cover ali that, Stocker said
that an incredible 70 per
cent of all Canadian men die
without leaving one! That
can make things difficult for
their families because they
won't know how the estate is
to be disposed of. It could

also lead to some bitter
wrangling among family
members.

Not only is it important to
know what is in the estate;
people need to know where
everything is.

For example, if there is a
safety deposit box  con-
taining important documents
or valuable property, where
is 1t? Where is the safety
deposit box key?

If there are bank accounts
or other investments, where
can they be located and what
are their numbers?

Another detail that must
be faced is the future of your
children if you, your spouse,

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or both of you, die suddenly.
Plans will have to be made
for their financial protection
and education and a decision
will have to be made about
who will care for them. No

Matter what you decide,
your plan should _ be
discussed fully with

whomever you choose to
take the responsibility and it
should be written down in
some document.

But Stocker offers some
practical assistance in the
form of a booklet she helped
put together called, “Where
is Everything?” It’s a fill-in-
the-blanks booklet in which
you can record all the
necessary details.

The booklet, which is
available free of charge from
The Canadian Life and
Health Insurance
Association, was designed to
help people organize their
personal and financial
documents and to help them
to get their affairs in order.
People just like you.

If you'd like a copy of
“Where is Everything”, drop
a line to the CLHIA, Suite

1400, 55 University Avenue,
Toronto, Ontario, M5J 2K7.

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