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w at er lo oc hr on ic le .c a W at er lo o C hr on ic le | T hu rs da y, Ja nu ar y 24 ,2 01 9 | 14 Waterloo Chronicle Voluntary Pay Contribution Program We ask you to consider contributing $30 per year towards delivery of your Community Newspaper. Many of our Readers have made the decision to show their support for the Waterloo Chronicle. It is our pleasure to provide the Waterloo area with a Community Newspaper. We Appr eciat e Your Supp ort! Yes! I would like to contribute to the Waterloo ChroniclePlease find a cheque for $30 enclosed for a 1 year contribution. Signature: _________________________________________________________ Name: _____________________________________________________________ Address: ___________________________________ City:___________________ Postal Code: ____________________________ Phone #: _______________________________ 630 RIVERBEND DRIVE, UNIT 104, KITCHENER, ON N2K 3S2 fOR MORE INfORMATION CAll 519-623-7395 ext. 260 • Free Blood Glucose Monitor & Teaching • Free Blood Pressure Check • Compounding Friendly Professional Team... where your total health is our goal! hours Mon.-Fri. 9am-7pm • Sat. 9am-4pm 519-747-0320 373 Bridge St. Waterloo www.thpharmacy.com NOTICE OF NOISE EXEMPTION APPLICATION Notice is hereby given that an application is being made to the Director of Municipal Enforcement Services for the City of Waterloo for an exemption to the City of Waterloo Noise By-law #2010-073 which prohibits amplified sound between the hours of 7:00 p.m. to 7:00 a.m. The applicant, Maresco Limited on behalf of Sun life Financial, is requesting an exemption as follows: To permit sound from the construction restoration work under active building permit # 18- 009082 NR from 7:00PM until 11:00PM during Monday to Friday evenings from Monday January 14th, 2019, to Thursday October 31st, 2019, located 227 King St. S., Waterloo. Anyone wishing to comment on this matter should contact Municipal Enforcement Services in writing at 100 Regina Street South,Waterloo, Ontario N2J 4A8, no later than 4:30 p.m., Monday January 28th by phone at 519-747-8785 or via e-mail at municipalenforcement@waterloo.ca. Questions regarding this event should be directed to Yves Gervais at (416) 333-1406 or at ygervais@marescolimited.com. P. 519-886-1550 TTY. 1-866-786-3941 waterloo.ca/publicnotices Some things are diffi- cult to talk about with family - and death leads that list. The reluctance is understandable, but now is the time to have a con- versation about death and money with your loved ones - it's the best way to iron out estate planning issues, reduce potential inheritance hostilities and share your wishes with beneficiaries. Here are the top five reasons to discuss your estate plan with your loved ones now: 1. Eliminate surprises If your estate isn't left in the manner your bene- ficiaries expect, the re- sults can be resentment and even litigation. So, if you're planning to do any- thing out of the ordinary, now is the time to provide your reasons. 2. Ask about special requests You might assume you know which assets are im- portant to each child, but your guesses could be wrong. For example, the child you assumed wants the cottage may not be in- terested at all. Now is the time to ask your benefi- ciaries about their special requests. 3. Manage expectations For example, you have appointed only one of your two children as exec- utor. The child you have not appointed may feel that the appointed sibling somehow influenced you to give them more power over the estate. You may have a good reason for do- ing so - perhaps because the non-appointed child is a nonresident of Canada. Now is the time to provide your reasons. 4. Introduce your advisers Your family may not know the professionals who know the history be- hind your estate plan, the location of your will and assets, and other impor- tant information. Now is the time to introduce your beneficiaries to your law- yer, accountant and/or fi- nancial adviser. 5. Explain unequal divisions You may have decided that one child should re- ceive less of your estate because they have al- ready received money from you (perhaps for a house or car or to start a business) or to give specif- ic assets to specific chil- dren that are of unequal value, which can lead to resentment. That's why now is the time to discuss any unequal divisions, the reasons for them and potential solutions such as one child purchasing sufficient insurance on your life to "buy out" a large asset from their sib- ling(s) with the insurance proceeds. Talking about estate planning issues now avoids difficulties later. Your professional adviser can help you include the right strategies for you and your loved ones. This column is provid- ed by McEachnie Group Private Wealth Manage- ment. Contact Russ McEachnie, CFP, CPCA, CDFA, RRC at 519-886-2360 ext. 6241 or rus- sell.mceachnie@igpri- vatewealth.com. 5 REASONS TO DISCUSS YOUR ESTATE PLAN NOW OPINION TALKING TO YOUR FAMILY NOW CAN HELP PREVENT POTENTIAL INHERITANCE HOSTILITIES LATER, WRITES RUSS MCEACHNIE RUSS MCEACHNIE Column SIGN UP FOR OUR WEEKLY NEWSLETTER AT WATERLOOCHRONICLE.CA SUBMIT YOUR FAMILY DAY EVENTS AT WATERLOOCHRONICLE.CA