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t Page 12 The Clarington/Courtice Independent, Bowmanville, Saturday, December 19, 1998 A Closer Look at "Planned Giving" What is the Clarington Estate Planning Council? What is Estate Planning? What is Planned Giving? When should you prepare an Estate Plan? Do you want the government to be one of your largest Beneficiaries? If you arc a "baby boomer" or a "senior", you know there is a ton of information in today's highly commercial and technical world that will provide the answer to these questions for you. Most of us agree, but we also think it is much too complex. So what do we do and where do we start? Perhaps we can help. As members of the Clarington Estate Planning Council (CEPC), we arc a new, community-minded, non-profit organization who want you to know that there is much more to estate planning that just making a will. We arc your neighbours, we live and work in Clarington and we want to help you understand understand the need and importance importance of getting started. Our council is made up of accountants, lawyers, financial advisors, bankers, funeral directors, insurers and others who have brought together the expertise of our individual fields of business for the benefit of everyone in the community. You may already have your own professional advisors and that's good, but have you talked to them lately about things that reflect a change in your family situation? We feel there is no substitute for professional advice. Professionals can look at your particular situation, give you specific advice and direct you on the most efficient course of action. Waverley Public School Holds Big Craft Sale On Wednesday, December 15th and Thursday, December 16, Waverley P.S. had their annual craft sale. There was a wide selection of over 700 items. The cost range was 250 - $3.00. Some of the items were paper angels, puzzle wreaths, reindeer pins, tcezle mice, gift cards and much, much more. All of these items were hand-made by the craft club, led by Mrs. Bird and Mrs. Ranson. Also some of the crafts were made and donated by classes at Waverley. All of the proceeds proceeds are going to the local food bank. By Lindsey Bennett Skating Grades 1-8 went skating skating at the Rickard Centre and the kids have a few words to say: Pictures were taken Skates were broke People fell and that's no joke. People laughed and people cried The ice was alive with Christmas tides. So,Good Bye And a Merry Christmas to all! And all a good night! By: Katherine Walker Seen and Heard MORE GRINCHES -- There have been several accounts of Christmas lights being stolen and/or smashed by vandals. It happens too frequently this time of the year. Keep an eye on your outdoor decorations! RECORD TURN-OUT -- On a happier note, it's good to see that local piano-player Glady Brown received the recognition recognition she deserves. Over 200 attended a reception in her honor on Sunday to mark the launching of her compact disc. The disc sold out quite quickly, we understand. Sounds like they've got a hit on their hands! We also recognize that for many people, it is difficult difficult to find and work with qualified professionals they know little about. Part of this problem is that people people often don't know how to start, what to discuss, what questions to ask or even why they should gel involved. But, going to a presentation conducted by a organization of people you know might just provide provide you with the opening you need. The CEPC have prepared prepared especially designed seminars that arc available for presentation to your local charitable organization, organization, church group, service club and seniors groups. Through these sessions, we can inform existing and new benefactors of strategies strategies which will address their estate lax planning while bcncfitling their favourite charities. Estate planning is an ongoing process and generally generally includes gift-giving beyond the immediate family. There arc continual changes in tax laws and family and succession laws, just like the changes in market values of your property and other assets. Through the CEPC, members are keeping each other aware of the changes in their field and how they may affect real-life experiences. experiences. This sharing of information between the different disciplines is geared to help everyone in the discussion of issues and strategics to consider in preparing an estate plan. One of the primary objectives objectives of this council is to provide a foundation of estate planning information information for the residents of Clarington. Through this information and the guidance guidance that members of the council arc prepared to give you, we hope that it will help you: - assess your estate planning needs - be more comfortable in asking your own advisors advisors informed questions - assess and organize your financial position - take steps to implement implement your estate plan. Remember, you don't do estate planning for yourself - you do it for others! others! Those others could be your family, your business partncr(s) or charity(s) that have played a part in your life. Please let us explain why we formed the council council and why we are offering offering to provide assistance to residents of Clarington. In an ideal world, everyone would spend some time organizing their financial (and other important) papers, they would have a will and they would discuss discuss with their exccutor(s) and family how their assets are to be distributed. In the real world, it doesn't always happen that way and some of the things a person intended will not happen because they did not take the time to make a will or put things in order. Sometimes this means increased taxes and more of your money going to the government. We have seen such things occur and arc quite sure that most of us don't want that to happen to our estate. With the support of the Statesman, members of the CEPC will regularly provide provide readers with some practical, real-life guides to Estate Planning including including tax liabilities and savings, savings, bequests, keeping your will up-to-date, the need for power of attorney documents, reasons for life insurance and gift planning, planning, as just a few examples. examples. Soon we will be offering brochures to local businesses and individuals like yourself who might want further information on subjects such as we have noted here. Membership in the Clarington Estate Planning Council is open to all Clarington business professionals. professionals. Remember we look at this service as something we know will help you to help yourself! Please watch for future articles. Today's contributor is Doug Park, a member of CEPC who can be reached at 623-3479. No reader should act on the basis of any comments contained in this article without obtaining professional professional advice from his/her own advisor(s). YWCA Executive Director Addresses Business Women Barb Hicks, President of the Bowmanville Business and Professional Women's Club, presents the YWCA's executive director with Christmas gifts collected by the club for women who are assisted by the YWCA. The Executive Director, Eva Martin Blythe (pictured at right) was guest speaker at the December 10th meeting of the group. The meeting was held at Silk's Café' in Bowmanville. To Advertise Phone 623-3303 ACCOUNTANCY Brad E. 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