Abbotsford News
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Friday, February 28, 2020 A11
ADULTLiving A B B O T S F O R D ’ S
SOCIAL
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HEALTH
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WELL-BEING
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LIVING LIFE TO THE FULLEST
Strategies for protecting your assets, transferring wealth and settling an estate Proper estate planning requires careful consideration of many factors: reducing taxes, providing for loved ones, passing on assets in an orderly fashion, creating a charitable legacy, and more.
could be ideal if you: • want a way to grow your assets while guaranteeing a payout for your beneficiaries • are concerned about protecting your estate’s assets and your income in the event of a disability, critical illness or long-term care situation • need a tax-effective way to transfer your wealth to your beneficiaries • need a way to meet the tax obligations of your estate and other estate settlement costs without liquidating or eroding your estate’s assets • want to make a one-time or ongoing gift to a charity or notfor-profit organization • have been appointed as executor for an estate and need assistance with some or all of your duties
It will help you cover important topics such as creating valid and current wills for all adults in the family, evaluating insurance coverage, understanding ownership structures (such as the use of joint tenancy agreements), realizing advanced estate-planning opportunities (such as the use of living trusts), and planning charitable gifts. Helping you build and effectively manage your wealth and investments is just one of the ways a financial advisor can help meet your needs. Using insurance strategies and other solutions, they can help you protect your wealth during your lifetime, preserve the value of your estate for your beneficiaries, and help you transfer your wealth to family members, a favourite charity, or other ben- the following estate-planning eficiary using tax-minimizing needs: • asset protection – to protect solutions. the value of your estate • wealth transfer – to maxiA financial advisor can meet
To learn more about protecting your wealth, contact your financial advisor.
mize the wealth you pass on using tax-minimizing insurance strategies and charitable-giving solutions • estate settlement – learn how
Submitted by Cameron Wilson CIM, FCSI, CPCA, PFP, CIWM Associate Portfolio Manager, an advisor can help ease the Wealth Advisor and Financial Planburden if you’ve been appointed ner as an estate executor Wilson Wealth Management Group RBC Wealth Management | RBC Estate-planning solutions Dominion Securities
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A12 Friday, February 28, 2020
ADULTLiving
Abbotsford News
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You’re never too old for a pet Need one good reason why you protective against dying of any cause. should add a dog to your family? But I have a concern because, as we How about the fact that studies show age, we often stop having pets. Why? that you will live longer as it has been This is when we need them the most! shown that there is a 24 per cent decrease in mortality if you have a dog. I hear from my clients that they worry their pet will outlive them. I tell my Dr. C. Kramer published a review of clients, no worries, leave the pet to me nearly four million people living in five in their will and I will make sure they different countries, including Canada, are well cared for. and she is quoted as saying that the research shows living with a dog is If study after study shows the impor-
tance of pets in our seniors’ lives, I help him in every way I can because wonder why we make it so difficult I know it gets him up in the morning to have a pet. to get outside and walk the dog. And like most of us adult children, As we age, we often downsize from a home to a condo and yet many places he spoils that dog way more than have no-pet rules. I know of people he ever spoiled me – and I am OK who have had difficulty finding a new with that. home where they can take their pet. I made a commitment to my own dad, who is going to be 79 this year. As long as he wants his dog, I will
Submitted by Shelley Horvat DVM Fraser Valley Animal Hospital
Let us help you get your Back Boris Eroshevski loves his profession and successfully combines his technician skills and experience with clinical aspects of Denturism.
Recognizing a growing need Seniors and elders are an important and growing part of our communities, and their active involvement enriches everyone’s lives. To ensure that older adults continue to pay an active part in our communities, they often need support to live independently in their own homes. Better at Home helps seniors with simple day-to-day tasks, allowing seniors to maintain their independance and stay connected with their community.
A range of non-medical home support services Services provided by Archway Better at Home include: Light Housekeeping • Transportation for Non-medical Errands • Grocery Shopping • Yard Maintenance Information & Referral Service
AFTER
BEFORE
Alaina T.
I absolutely love my new smile! Thank you so much Abbotsford Denture, you gave me my confidence back and changed my life! Forever grateful!
Learn More Contact Archway Better at Home to find out more and apply for services:
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Conventional Dentures, Precision Dentures, Immediate Dentures, Partial Dentures
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Dentures Over Implants*
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Written Transparent Treatment Plan (No Hidden Costs)
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Convenient Payment Plans Available
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Satisfaction Guaranteed upon Diagnosis
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Complimentary Patient Care every 6 Months
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We Accept all Insurance Plans
* Procedure to be one in conjunction with a dentist
2420 Montrose Ave, Abbotsford 604.870.3772 • www.betterathome.ca Better at Home is funded by the Government of B.C.
Sandy Arnold, Office Manager Sandy loves the relationships that she has developed with all patients. She makes people feel comfortable and helps her patients have a positive experience.
QUALITY ASSURANCE
and managed by the United Way.
Thank you Abbotsford for Voting us a Favourite Denture Clinic
ABBOTSFORD-FRASER DENTURE CLINIC 2615 Pauline Street, Abbotsford CALL FOR A COMPLIMENTARY CONSULTATION: 604-859-9921 www.abbotsfordfraserdentureclinic.com
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These golf terms are par for the course Newly retired and taking up golf? Golf is a game of sport and skill that can be played at any age. Millions of people in North America participate in golf as a recreational endeavour or a professional pursuit. People may immediately think Canada’s sports-based loyalty favours hockey. However, on the recreational side, golf is king in the country. Canada has the fourth most golf courses of any country in the world, says the National Golf Foundation. Plus, one out of every 10 Canadians play golf – a participation rate that is more than double that of the United States. Storied golf history Although golf can be traced back to the Netherlands during the Middle Ages, many
Continued on A14
Voted Abbotsford’s Favourite Optical Store 5 Years in a Row!
ExpErt EyEcarE, LatEst EyEwEar Our staff will help you choose the perfect frames to suit your style and needs! CHECK OUT OUR GREAT SELECTION OF STYLISH READY READERS!
Friday, February 28, 2020 A13
Are you wondering what your future looks like?
Which of the following keeps you awake at night?
• What does my current financial situation look like? • If I live to be 90, 95 or 100 will I have sufficient funds to maintain my current and/or desired lifestyle? • If I die tomorrow, will my family be sufficiently provided for financially? • How does changing my financial assumptions impact my future financial situation? • What can I do to ensure my financial goals and priorities become reality? • What can I do to minimize my estate tax burden? A complimentary myGPS Plan offers a prioritized view of your financial goals and recommends solutions to help achieve your wealth management needs. If you don’t have a financial plan that can answer these questions, please contact Cindy Campbell to arrange a meeting with Cameron for your complimentary myGPS report.
Cameron Wilson, FCSI, CIM, CPCA, CIWM
Associate Portfolio Manager, Wealth Advisor & Financial Planner Wilson Wealth Management Group RBC Wealth Management | RBC Dominionwww.CameronWilson.ca Securities T: 604-870-7109 | M: 604-217-5621 | TF: 800-563-1128 | CameronWilson.ca
Cindy Campbell, Associate Office: 604-870-7225 Cindy.Campbell@rbc.com
RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. RBC Dominion Securities Inc. is a member company of RBCWealth Management, a business segment of Royal Bank of Canada. ® / TMTrademark(s) of Royal Bank of Canada. Used under licence. ©2019 RBC Dominion Securities Inc. All rights reserved.
DENTURES ARE WHAT WE DO! Say hello to comfortable and well-fitting dentures. • Reline & Repairs • Denture Over Implant • Complete & Partial Dentures • Outstanding Service
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A14 Friday, February 28, 2020
Abbotsford News
ADULTLiving
From A13 people concur that the modern game of golf – played over 18 holes – is a Scottish invention. The popularity of the sport began to spread throughout
the world from Great Britain. The first permanent golf club in North America was founded in 1873 and was named Canada’s Royal Montreal Club. The first 18-hole course in the United States was the Chi-
cago Golf Club. Golf lingo Understanding the terminology is key to becoming a fullfledged golf fanatic. While golf lingo is extensive, here is a sampling of some
of the more popular terms to get novices started, courtesy of the PGA. Approach: A shot hit towards the green. Attack: The relative angle at which the clubhead approach-
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es the ball at impact. Backswing: The motion that involves the club and every element of the body in taking the club away from the ball. Birdie: A score of one under par on a hole.
Bogey: A score of one over par on a hole. Bunker: A hallow composed of sand or grass that serves as an obstacle. Carry: The distance a ball will fly in the air.
Chip: A short approach with a low trajectory. Chunk: A poor shot caused by hitting the turf. Divot: The turf displaced when the club strikes the ball. Downswing: The swing forward from the top of the backswing. Eagle: A score of two under par on a hole. Golf range: A facility where people can practise golf swings. Grip: The positioning of hands on the club. Hole: A round receptacle on the green that the ball is aimed into. Lie: As it relates to the golf ball, the
6 Reasons why you’ll be glad to invite one of my electricians into your home. Hiring someone to come into your home to provide a service or repair can be unsettling. Popular television shows that feature STING operations on home service providers certainly prove that homeowners have good reason to be wary. It’s a shame that it even needs to be said, but you can feel completely safe and comfortable with any Blue Crest Electric technician I send to your home. My guys have spent their professional careers magically running cable in places where others say it’s impossible. They regularly find and repaired electrical problems that others have walked away from in confused frustration. I can tell you from experience, that 99% of electricians do not have this same track record. And we do it all with movie star quality charm and Emmy Award winning electrical skills.
Here’s what you can expect on every service call: 1. On time arrival. We arrive within the 2 hour window provided when scheduling your appointment. We know you’re busy so we won’t keep you waiting. 2. Friendly, helpful, trustworthy professionals. I don’t hire anyone I wouldn’t have work inside my own home. 3. Neat, clean and uniformed for safety and security. 4. Trained in true customer service, not just lip service. 5. Top-notch troubleshooters who specialize in saving you time and money. We even quote all our work in advance. 6. Fully outfitted with state-of-the-art diagnostic tools and a huge inventory of parts. We arrive ready to solve your electrical problem.
position when it has come to rest. Links: Specific term for a course built on links and which is land reclaimed from the ocean. Mulligan: An extra shot taken on a poor first shot. Par: The score an accomplished player is expected to make on a hole, either a three, four or five. Putt: A shot on the green. Stance: The position of the feet. Golf terms are as varied as the game itself. Knowing commonly used words and phrases makes for a more intimate understanding of the sport.
For all your home’s electrical service, repairs or installations, call the company you can trust. Your safety, security and peace of mind are always our priority, and we won’t mind if the camera is rolling.
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