4 minute read
Decolonizing the Municipality
Chianne V Jones Financial Advisor 250 374 1882 Bring your retirement into focus
Investing - RRSP, TFSA, RESP Planning for Retirement Estate & Legacy Strategies
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ONE & TWO BEDROOM UNITS
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#307-730 Cottonwood Ave. Kamloops,BCV2B 8M6 info@nsccs.ca
•Apartmentliving forseniors •Beautiful gardens •Walking distance to NorthShore shopping •One block from McArthur Island •Within the same complexasthe NorthShore CommunityCentre &the Moose Lodge •Suites forpurchase (life-lease) •SAFER(wait list)
www.cottonwoodmanor.ca
Kamloops Realty
Jessica MARVIN
Do you and your partner share the same vision for retirement?
Financial focus
CHIANNE V. JONES Financial Advisor
You and your partner may agree on many key issues facing you at your current stage of life, such as your lifestyle and financial issues. But what if your visions for retirement differ?
It can be a challenge. After all, each of you has so many possibilities: You can pursue your hobbies, volunteer, continue your education — there’s really no limit to the ways you can add meaning to your lives.
Communication is key - You probably know the importance of communication in any relationship — and this same skill is essential for agreeing on your shared retirement lifestyle.
So, to get on the same page, take the time to have an open discussion, following these suggestions:
Be open – Create and share a list of characteristics for your retirement vision. Some characteristics you may want to consider are the type of living arrangements, what kind of activities you want to do, whether or not you’ll work and how close to friends and family you want to be.
Be specific – You and your partner may want many of the same things, but perhaps not to the same degree. For example, maybe you both want to travel – but one wants to drive around the country, while the other wants to visit foreign shores.
Be ready to share
- Share your plans with others who have an interest in your decisions to help shape your final visions. Friends and family may have influence in what you choose to do.
Be ready to compromise – You and your partner have already travelled a long way together and probably have an interest in finding common ground — so, if you’re each willing to move a little bit in the other’s direction, you should be able to enjoy spending time together for many years to come.
Be prepared for
more dialogue – The discussion of your shared retirement lifestyle should not be a one-time event. As the years go by, you each may have new ideas about what you’d like to do. So, revisit the conversation every so often
Planning together is twice as fun. You and your partner have accomplished many goals together and have much in common. It can be advantageous to plan together, even if you don’t want to comingle assets. There can be efficiencies (tax savings) now or in retirement. Talk to your advisor to help you determine a strategy to reach your shared retirement vision.
Member Canadian Investor Protection Fund. Member – Investment Industry Regulatory Organization of Canada.
Gillian Gaiser is the founder of the Kamloops Family History Society in 1982. She takes a walk down Memory Lane considering how we researched ‘then’ and how we research ‘now.’ bookshelves full of “stuff,” plus two large published family history books. Originally, my research was done by writing letters, phoning family and institutions, visiting archives in person or paying a professional researcher.
At that time, there were very few “how to” books. On the first of eight visits to Salt Lake City Genealogical Library in 1977 I was able to purchase books and genealogical charts. 1979 and 1982 saw me head to UBC for seminars that inspired me to start a Family History Society (FHS) in Kamloops. Twenty folks came to the first meeting and the KFHS was formed.
The 1980s saw home computers become popular and by the 90s digital technology revolutionized the way large amounts of information could be reproduced, transferred and retrieved. Genealogical databases started to come online and people like me could research at home in their pjs.
My son bought a computer in 1986 and I began putting my information into PAF (or Personal Ancestral File), the only free genealogy program. In 1998, Cyndi of Cyndi’s List introduced me to a wonderful new search engine – Google. The internet is now a billion-dollar industry that has spawned profitable websites and databases like Ancestry, FindMyPast and MyHeritage, genealogy programs and AncestryDNA testing. How marvellous it is to have so much information available to us so easily and at such reasonable costs compared to the past.
I feel blessed to have been able to enjoy - and make so many friends – through such a wonderful hobby. Are you interested in researching your Family History? For help, contact us at family4genealogy@ gmail.com.
