Winnipeg Free Press

Winnipeg Free Press (Newspaper) - February 25, 1989, Winnipeg, Manitoba Winnipeg free february 17 t j or creative retirement Calls for generous planning time by Wall Dennison o by Wally Dennison like almost every stage of life from the teens retirement demands a generous amount of forethought and it May even warrant As much time and attention As you gave to deciding your lifes after earlier retirement and increased life expectancy have lengthened pos retirement thus providing More time for Crea Tive canadians aged 65 and Over Are increasing at three times the rate of the nations population As a and experts on the aging agree that retirement should be lived creatively to sustain and prolong sound physical and emotional instead of As the word itself tends to suggest that its a time to sleep to retire into the Ham mock of a sunny if youre nearing ask yourself How you plan to use your if youre 55 to 65 years you probably have on Quarter of your life ahead of you and almost 12 hours of uncommitted time each will that time be invested or wasted checklist where do you rank on a retirement readiness checklist its something you should Check and you can get an idea from just such a list in planning your retire the Complete Canadian self help the Book is published by governor House press of Toronto and in cooperation with the Standard life Assurance the checklist contains 10 ques ten yes answers make you a Good candidate for six to nine affirmative replies indicates you have some work to do before Are and fewer than six yes answers Means youre not the questions will your pension and other in come allow you to maintain your current Standard of living d Are you looking Forward to retire ment Dhave you developed Concrete plans for retirement activities to take the place of work resp 89 does your spouse support your retirement plans Dhave you decided where to live after retirement d do you have Good friends who Are not coworkers d Are you now engaged in activities that will help keep you physically fit after retirement d have you had a physical Examina Tion in the past year to determine whether you have any health conditions that might restrict your retire ment activities d is your intake of alcohol moderate no More than two drinks per d Are you within 10 pounds of your Ideal weight note that the first question deals with the state of your and of is related to the main thrust of our resp supplement 23 and subsequent articles Over the past month How registered retire ment savings plans can be tied in with other income and investments As financial building blocks for retirement if youre like most of you probably need the advice of a Quali fied financial planner retire ment consultant professionals you begin calling upon from five to 10 years prior to retire now releasing Waverley Street office space adjacent to Linden up to on two floors Avail Energy efficient ample free occupancy fall for leasing information Call Barry Lucyk Dominion construction development 9423371 we now do custom powder coatin6 Call today apr industries 1354 Waverley 4529907 the partners of Fillmore Riley 1700 360 main Street r3c 3z3 204 9562970 Are pleased to announce effective february 1989 Dana Nelko became associated with the firm in the practice of now the Standard dust no fees absolutely no or redemption we make House Calls Call Tor an appointment now instant tax receipt you get your tax receipt the same Day you so you can file your return the same Standard Trust member of Canada Deposit insurance corporation Bob manager 241 Portage Winnipeg or Call the resp hotline 9433874 Call now to save time and avoid lineups Long before you should be running a continuing Check on your company pension plan that of if you have in Many including Mani employers Are obliged by Law to disclose details annually or Trien Bially on benefits payable on termination of disability and Many other such information is distributed in an employee Benefit sound financial planning dictates that you understand How your com Pany plan How will you be Able to plan the right moves in other areas of Long Range financial planning for retirement right moves As you should profit form taking one of the Many adult Educa Tion courses on subjects such As income investments and Money provincial depart ments of consumer and corporate affairs also offer pamphlets on Money and some provinces have consultants and courses in and senior Citi Zens centres can be contacted for a perhaps to a retired banker or in for a Broad overview on retirement and the financial specifics of it you can get loads of practical suggestions from the Vari Ety of pre retirement planning pro Grams sponsored by senior employee and Community Organiza the City of Winnipeg and local 500 of the Canadian Union of Public for periodically offer fou Day workshops for City employees nearing retire their Agenda is roughly what you can expect to be covered by other seminar programs financial planning and health and Legal and changing these pre retirement planning programs emphasize that you have the same potential for personal accomplishment into old age As you did even As a Young Man or participants Are simultaneously warned that learning to manage their time in retirement can be harder than learning to manage time at anticipating you want to keep an activity diary for one week of each month of one with you can evaluate the Quantity and Quality of your activities outside the Money costs expected to increase in Washington a the Federal Reserve ignoring critical comments by the Bush administration concerning its Infra Tio fighting boosted its key lending rate yesterday to seven per cent from per cent in a move Likely to trigger increases in interest rates charged to the Central Bank announced it was raising its discount the interest it charges on Loans to member in Light of inflationary pressures in the the action came just a Day after Treasury Secretary Nicholas Brady issued the strongest critical comments yet by the new administration regarding the feds efforts to push interest rates higher in an Effort to combat i dont see As Strong evidence of inflation right now As does the fed eral Brady told the House banking savings certificates 9o Dav term 10v4 minimum Deposit interest paid at maturity 1 year term minimum Deposit interest paid annually rasps available rate subject to change Otho team available settlers savings head office Pattap r3g oho 7868508 boosting the discount to the High est level in nearly three years is the most dramatic inflation fighting move the fed could have discount rate increases often signal that other Short term from adjustable rate mortgages to Auto Mobile will soon become More Bradys comments followed sever Al weeks of verbal jousting Between the administration and the Central president George Bush on several occasions has said that he believed the Central Bank was Overly concerned about inflation and should be More worried that High interest rates could impede economic the discount rate increase came one Day after two major Banks Chase Manhattan Bank and re Public National Bank of new York raised their prime lending rates to per cent from ii per several other Large Banks raised their prime rates As Well yesterday after the feds both the Dollar and Stock and Bond markets moved lower in trading for Sale gift shop in the River Heights area 4883787 or 8856035 Treasury Bills 30 Day 90 Day 6 months 1 year eligible for rasps other maturities available rates subject to change Dean Witter 101044 7 port a be a 9475314 is your future up in the air we can help guide it safely sky High taxes now and Low Canada pension benefits later can burst your retirement As the winds of change can wreak havoc with your financial that Why Astra offers you catch no fee rasps and Grifs to help you Rise to the when you Purchase one of our fixed term rasps you Purchase the Assurance of a predetermined interest rate that holds up through thick and thin a plan with no hidden costs one where All your Money works for and All deposits Are fully protected by the credit Union stabilization we can help you Glide safely and surely into the Stop by or Call us today helping you in Money ways Astra savings i and credit uhk3h limn to 8694437 844a Mcleod 6634602 3149 Portage 8855618 rules subject to change without Bonus interest up to on deposits Over and on depositors 56 1665 Grant 4891016 1080 Wall 7866689 tour spouse might also keep a separate so that both of you can compare the two they can serve As the basis for planning your lives both individually and together when retirement a Well equipped with such plans As a you should be Well equipped to Han dle any additional stress in retire ment associated with leaving the labor illness or the loss of friends and consider the important questions asked in planning your retire ment ill you have so much free time that the Days drag or so Little time that the Days seem to Fly by will you try to stretch the Day by rising Early and retiring late in the or will you try to shrink the Day by rising late and retiring Early the Book goes on to stress that the value of Leisure be ignored or regarded As an unacceptable alternative to with the great increase in unstructured free time that comes with it be comes even More important to develop a positive attitude towards As in any other stage of involvement is the key to per Sonal emotional and social stimulation Are necessary to avoid feelings of Apa disorientation and social Isola Active individuals sleep better and relax More in sport and exercise can help reduce physical and psychological while hobbies and handicrafts Are not Only creatively but help to maintain Fine motor skills and muscle functioning in the hands and Toronto up recent prices of investment funds supplied by the investment funds Institute of can they Are the net asset value per share or unit naps last circulated by the fund in accordance with its proc no practice As 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