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42 42 || CAMPBELL CAMPBELL RIVER RIVER MIRROR MIRROR || FRIDAY, FRIDAY,FEBRUARY FEBRUARY 3, 3,2017 2017

Notice to 3x5Parents Important information from School District 72...

DistristRequests 72 CrossSchool Catchment Cross Catchment

For the 2017/2018 School Year Applies to Students in Grades K-12

Instructions: 1. Pick up an Application for Cross Catchment Transfer form from your school, the School Board Office, or download from www.sd72.bc.ca/Schools/ registrationandtransfers 2. Complete one form for each student requesting a transfer. 3. Return completed form to the School Board Office (425 Pinecrest Road) or email to student.registration@ sd72.bc.ca. If you cannot come in person to the School Board Office or do not have access to a computer, return the application to your current school office and the school will forward it on your behalf.

Parents who would like to request that their child attend a school other than their neighbourhood catchment school for the 2017/2018 school year should submit an Application for Cross Catchment Transfer form to the School Board Office (425 Pinecrest Road) or via email to student.registration@ sd72.bc.ca by 4 p.m. on Friday, February 10, 2017. Applications are considered on a first-come-first-served basis and applications submitted after February 10 will be processed as late applications. Approval will be dependent upon space/facilities for the program and staffing resources appropriate for the applicant and applications will be considered based on the date and time they are received. It is important for parents/guardians to note that they are responsible for providing transportation to and from the school they are applying to in accordance with the district’s transportation procedure. IMPORTANT DATES: •

February 10 – the deadline by which a student must submit a form to attend a non-catchment school or a district program.

•

March 31 – the date by which School District 72 will notify transfer applicants of the status of their application.

School District 72 • Campbell River, B.C.

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www.campbellrivermirror.com

MANAGING YOUR MONEY Talking about money is sexy

3x8 INVESTORS

Financial health – or rather, the lack of it – can be a romance killer. Financial issues are among the biggest reasons why couples split up.* In fact, it’s been estimated that money problems are the prime cause of 90% of divorces**. So, if you’re entering a relationship, already in one, or newly married, how do you talk about what could be the biggest elephant in your emotional room: your personal finances as they are now and as you want them to be through your life together?

The experts tell us that communication, building trust, and honesty are vital keys to healthy relationships***. And that’s why talking about money is sexy – because it’s a very good way to be open and honest with your partner while taking necessary positive steps for building your relationship and a solid financial future together. Here are some tips for successfully integrating your financial lives fairly and in ways that match your shared lifestyle. • Never keep big or small financial secrets! Each of you should disclose assets, financial commitments (such as loans) and credit history. Full disclosure is a must because if you’re considering sharing a credit card or applying for a loan together, your partner’s bad credit history could lead to some unpleasant surprises. • Recognize your differences. You may be a saver; your partner may be a spender – create a financial framework and budget that suits both of you. • Decide if it’s best to maintain separate bank accounts, credit cards and investments or to merge some or all of these financial items to eliminate duplication and enhance financial benefits. (For example, by pooling your investments you may enjoy a more robust portfolio.) Make your decisions with a clear understanding of tax and legal implications. • Decide who will manage day-to-day finances – paying the bills and so on – and who will manage your overall financial affairs. If one or both of you brought personal assets into the relationship – a car or home, for example – should you keep them or sell them?

• Have a frank discussion about how you are going to achieve your financial goals such as buying a home or starting a family. Talk about your finances and financial goals regularly. • A marriage contract or prenuptial agreement isn’t the most romantic notion. But they’re especially important if you want to exclude certain assets from an equalization of family property upon relationship breakdown, like a business or family cottage, or to protect assets for children from a prior relationship. Don’t wait for irreconcilable differences to arise before speaking with a family lawyer. • Plan to save on taxes. Although couples must file separate individual tax returns, there are many tax-planning strategies that can reduce your total tax bill now and in the future. Take advantage of all your deductions and income-splitting opportunities including, where appropriate, pension incomesplitting and/or spousal Registered Retirement Savings Plans (spousal RRSPs), both of which can deliver tax savings. • Arrange life, disability and other insurance coverage to ensure each of you is protected if one partner becomes disabled or dies.

Yes, talking about money is sexy and necessary for the good health of your relationship and financial future together. Your professional advisor can help you build the right financial plan for your shared future. * http://www.huffingtonpost.com/yourtango/10-mostcommon-reasons-people-divorce_b_8086312.html; http:// www.couplescounselingchicago.net/reasons-for-divorce-top10-reasons-marriages-end/ ** https://www.thebalance.com/couples-and-money-1289269 *** American Psychological Association -- http://www.apa. org/helpcenter/healthy-relationships.aspx; https://www. psychologytoday.com/blog/compassion-matters/201506/5ways-build-trust-and-honesty-in-your-relationship

This column, written and published by Investors Group Financial Services Inc. (in Québec – a Financial Services Firm), and Investors Group Securities Inc. (in Québec, a ﬁrm in Financial Planning) presents general information only and is not a solicitation to buy or sell any investments. Contact your own advisor for speciﬁc advice about your circumstances. For more information on this topic please contact your Investors Group Consultant.

Applying for REEF funds would be 'morally corrupt'

www.CampbellRiverMirror.com www.CampbellRiverMirror.com

MIKE DAVIES CAMPBELL RIVER MIRROR

The Campbell River School District (SD72) will not pretend to consider closing any of the district’s rural schools just to get the additional funding from the government that it takes to properly operate those facilities. And so, at this week’s public meeting, the board of education voted not to apply for the next intake of the province’s Rural Education Enhancement Fund (REEF). The provincial government recently announced they would again be accepting intake applications for REEF funding – which they implemented last year as a way to help districts keep rural schools open – but the SD72 board says the application criteria to receive the funding is too restrictive and applying for the funds would require toying with the public’s emotions and playing political games. Secretary-Treasurer Kevin Patrick told the board Tuesday night

that Surge Narrows, Quadra, Cortes and Sayward Elementary would all qualify for additional funding from the government should they apply, but there is no telling how much funding they would receive and the board would have to meet one more requirement put forth in the application criteria – that those facilities be under consideration for closure. “To suggest that, so that we can get some more money, we would have a conversation with a community (about potential school closures) when actually our intent is not to close those schools, is morally corrupt, in my mind,” said Trustee Darryl Hagen. Trustee Joyce McMann agreed. “I think we could play the game and say that we’re considering closing the schools for whatever money we’re hoping to gain out of it, but the pain and disruption it would cause and the dishonesty involved in that, I just can’t support.” Trustee Richard Frank-

lin added this grant application requirement and approval criteria is yet another another example of how flawed the government’s funding model is. “It does cost more per pupil to run isolated and rural schools, and the government knows that, but our district, though our 10-Year Facility Plan, made a commitment to keep those schools open for the benefit of those students,” Franklin said. “It’s ironic that the district that has the foresight to make a 10-year plan is now shut out from additional funding from the province. What should be happening here is that the province should know that it costs more to run these rural schools, so the funding for those schools should be commensurably more. It’s unfortunate that we can’t access those funds due to our own foresight, efficiency and effectiveness.” Trustee John Kerr, meanwhile, took that argument one step further, saying he thinks the government put that particular criteria

C O N T I N U I N G E D U C AT I O N C A M P B E L L R I V E R

CONTINUING EDUCATION 4x5 AT NIC CAMPBELL RIVER The Art of Filigree

NIC

Foodsafe Level 1

Learn an ancient form of open-backed wire work still used in many cultures world-wide. Students will saw, solder, file, manipulate wire and sheet metal, polish and generally advance their skill level.

Obtain necessary certification to work in the food service industry. Acquire important food safety and worker safety knowledge including food borne illness, receiving and storing food, preparing food, serving food, cleaning and sanitizing.

GENI-1218 | Sat & Sun, Feb 4-5, 9 am-4 pm | 2/$195

TFS 010 | Saturday, Feb 18 – 8:30 am-4:30 pm | $99

Silver Jewellery Making – Beginners

Communication Essentials

Learn the skills required to create your own jewellery with basic tools and equipment. Explore construction/fabrication techniques, silver soldering, how to bezel-set a stone, finishing/polishing and surface ornamentation. Good hand/eye coordination required.

Make your voice count. Gain skills to share your expertise, ideas and strategies effectively with colleagues, executives, clients and customers. Learn to identify the best way to share information with different audiences, manage anxiety, understand differences and craft effective presentations.

GENI-1205 | Saturdays, Feb 11-Mar 25, 10 am-2 pm | 6/$319

LDS-020 | Saturdays, Feb 25 & Mar 4, 9 am-4 pm | 2/$209

Beginner’s Bookkeeping

Human Resource Essentials

Gain an understanding of accounting equations, debits and credits, record keeping, bank reconciliation, and more. This course is valuable to small business owners, non-profit groups and those needing to upgrade their job skills.

Learn key elements of strategic human resource practice, including staffing, development, compensation, succession, planning, health and safety and labour relations.

BKK-010 | Wednesdays, Feb 15-Apr 5, 6:30-9:30 pm | 8/$299

LDS-025 | Saturdays, Mar 18 & Mar 25, 9 am-4 pm | 2/$289

1046 Cedar Street, Campbell River

Ph: 250-287-4739 Fax: 250-287-7122

Trevor Despins CFP, STI, CPCA Financial Consultant

trevor.despins@investorsgroup.com ™ Trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations.

in place for the funding in order to limit the number of districts who would qualify for the funding. “That condition about the school being at risk for being closed … boxes us out from being to access any of that funding, because I don’t think any of us around this table would be prepared to be dishonest enough to go to a community and tell them we’re considering closing their school just to get our 30 pieces of silver,” Kerr said. “These terms of reference seem very deliberately set to make sure that the minimum number of districts can apply. I mean, we would have justification to apply for four schools to get this funding had that condition that it be considered for closure not been included.” The motion to not apply for REEF funding passed unanimously, with Kerr adding, “I think it’s unfortunate that whatever money is being made available isn’t available to us, but I guess we’ll have to just move on from it.”