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More people than ever are including funeral prearrangements in their estate plans, to spare loved ones from having to make last minute decisions. A prearranged funeral in Ontario can be made only through a licensed funeral service estabâ€" lishment, such as Kopriva Taylor. All monies paid to the establishment must be ‘"How can you plan your estate properâ€" ly if you don‘t prearrange your funeral, unless you guess at a provision of money to leave?" Taylor asks. "It‘s so much easier on everyone if people preâ€"plan their funerals while they are taking care of the rest of their estate. Funerals are the last major expense for many people," Kopriva says. IF THESE ARE IMPORTANT FACTORS AFFECTING YOUR FINANCIAL DECISIONS YOU SHOULD PLAN TO ATTEND THIS SEMINAR LOW RISK INVESTING IN THE 90‘S Estate management can be an overâ€" whelming task, especially when taken on by family members after the loss of a loved one. Although this situation occurs more often than not, it need not be the case, say Rudy Kopriva and Neill Taylor, funeral directors at Kopriva Taylor Community Funeral Home. The coâ€"direcâ€" tors of Oakville‘s only locally owned and operated funeral home share more than 60 years of professional experience. $5.00 AT THE DOOR = ALL Take care of loved ones ahead of time DON‘T MISS THIS OPPORTUNITY CALL TODAY TO RECEIVE YOUR COMPLEMENTARY SEAT Lowâ€"Risk ways to improve your returns. Making the risk/return relationship work for your Using the business cycle to reduce risk. How asset allocation can increase your profits. Protecting yourself against the volatile dollar. Profiting from mutual funds. inding Lowâ€"Risk tax shelters Simply recording your wishes in your will is no guarantee, as it may not be readiâ€" ly available when needed. Family and friends should be informed of any preâ€" Prearrangement usually involves a meeting with the funeral director, to review the variables. They will inform you beforehand as to what documentation will be required. "We can do it at the funeral parlor, or in the home â€" whichever suits the family," Taylor says. Prearrangement can be made in a number of ways â€" depositing the full sum of money at once, installment payments, or by merely recordâ€" ing your wishes and preferences to be carâ€" ried out at the time of death with the cost to be paid by your estate or nextâ€"ofâ€"kin. the money is withdrawn prior to the time of need. PROCEEDS TO THE UNITED WAY OF OAKVILLE As Kopriva and Taylor will tell you, there is no major financial risk involved when you prearrange your funeral. The funds are refundable upon written request to the funeral home, although the funeral director may charge an administration fee in an amount prescribed by legislation if deposited in a trust account, in accordance with provincial legislation. The Kopriva Taylor Community Funeral Home is located at 64 Lakeshore Road West (between Kerr Street and Wilson Street), Tel. 844â€"2600. "It‘s designed to meet the everâ€"changâ€" ing needs of Oakville," says Taylor, who along with Kopriva and his wife lona is a resident and active member of this comâ€" munity. Kopriva and Taylor have particiâ€" pated in community service work and pubâ€" lic education, such as past presentations at the Oakville Parentâ€"Child Centre on hanâ€" dling children‘s grief. Hlona has long been a community leader in fundraising efforts for Canine Vision Canada. Clients who choose to make their arrangements with Kopriva and Taylor will not only benefit from their decades of local experience, but from the bright new Lakeshore Road facility built 18 months ago. The building is wheelchair accessible, and features a modern, homeâ€"like decor. "There are other practical applications for prearrangement," notes Kopriva. "For example, many nursing homes require preâ€" arrangement before they accept a new patient." arrangements you have made. "She‘s just good with people and that‘s what has probably kept her going the way she has." "She‘s very positive, outgoing, and friendly," says sales manager Yvonne Ratican. These days business is slower â€" she won‘t say how many sales she makes â€" but she‘s still a valued member of the Coldwell Banker Pinnacle Real Estate office on Lakeshore Road West, where she shares listings and clients with two agents at the office. Mackenzie says she has shown hundreds of homes in her career, although she has no idea how many she has actually sold. will also be featured on this speâ€" cial day. Visitors can learn more about these unique animals and discover how they have walked lightly on Mother Earth for thousands of years. For further information, call the Halton Region Conservation Authority at (905) 336â€"1158 (weekday) or the Crawford Lake Conservation Area at (905) 854â€" 0234 (weekends). No intention to retire (Continued from page 13) surprised, but the awkward moment ended when one of her clients jokâ€" ingly said to the girl, "You need at hat." Later, her clients ended up buying the house. COMING SOoN! 6TH ANNUAL SPRING SILVER REPLATING SPECIAL 25% OFF _ ; MAY ONLY Replating of all silverplated flatware and holloware. "Apple Jack" â€" the Llama â€" will also be featured on this speâ€" cial day. Visitors can learn more about these unique animals and discover how they have walked lightly on Mother Earth for thousands of years. Visitors can also "take a step back in time" while exploring the longhouses and tasting comâ€" plimentary servings of Eastern Hemlock Honey tea. Visitors will have the opporâ€" tunity to participate in these presentations at 11:30 a.m., 1:30 and 3:30 p.m., in the reconâ€" structed Iroquoian Village. Guest presenter Chief Top Leaf from the Mohawk Nation will be sharing teachings about Mother Earth through legends, dance, and props. The event will be filled with handsâ€"on learning for visitors of all ages to enjoy. rawford Lake Conservation Area is â€"holding an Earth Day celebration, on Sun., April 17th, from 10 a.m. to 4 p.m. Crawford Lake Earth Day celebration on April 17th | MecTAMN Ratigan, 45, says she hired ESTABLISHED 1860 inc)." "As long as I‘m in good health and as long as my health holds up, l’m going to stick with it (workâ€" Mackenzie, who does a lot of work from home where her phone is always ringing, says she enjoys her job and hkes helpmg and working with people. These days, she puts in about five hours a day, up to seven days a week, but admits she takes lots of holidays. "So many people say to me, ‘Why don‘t you retire?"‘ I don‘t want to retire," Mackenzie says. "I hit it off with her and could see she still had a lot of contacts, and was willing to work, and was going to bring some business to the office. She offers a lot to the office with her experience." Mackenzie â€" one of Oakville‘s oldâ€" est agents â€" about three years ago because of her experience. Crawford Lake is located on the corner of Steeles Avenue and Guelph Line â€" 15 miles north of the Q.E.W. and four miles south of Hwy. 401. Snacks and drinks will be available in the Conservation Centre, so remember to BYOM (Bring your own mug) so you can help us avoid the use of disâ€" posable cups and help Mother Earth. Lots of active learning and laughter will take place during staffâ€"led wildlife games. Families can also join in on an Earth Day scavenger hunt where everyone is sure to go home with a prize. Visitors interested in particiâ€" pating in a "Llama Ramble" hike will need to preâ€"register in advance by calling (905) 854â€" 0234.