Richard
      Harvey,
      CLU,
      CH.FC.
     
    
   
   
    
     
      Do
      you
      purchase
     
     
      investment
      funds?
     
    
   
   
    
     
      What
      guidance
      do
      you
      get
     
     
      from
      your
      financial
      advisor
     
    
   
   
    
     
      For
      pro-active
      investment
      advice
     
     
      schedule
      a
      briefing
      with
     
     
      RICHARD
      HARVEY
     
    
   
   
    
     
      Investment
      Funds
      Hot
      Line
     
     
      1-(800)-461-6749
     
    
   
   
    
     
      Manulife.
      Financial
     
     
      500
      Granville
      St
     
     
      Summerside,
      PE
     
    

    
     
      CIN
      5Y1
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
       
        
     
     
         
     
     
       
     
     
        
     
     
          
     
     
         
     
    
   
   
    
     
      SPECIAL
     
     
      THANKS
     
     
      TO
     
     
      SEAMAN'S
     
    
   
   
    
     
      FOR
      THER
     
     
      GU
      IROUS
     
     
      DOMNTON,
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
       
     
    
   
   
    
     
      10.
     
    
   
   
    
     
       
     
    
   
   
    
     
      Centennial
      Scholars:
     
     
      No
      More
      Free
      Ride?
     
    
   
   
    
     
      by
      Marko
      Peric
     
    

    
     
      The
      next
      time
      you
      go
      to
      class,
     
     
      take
      a
      moment
      and
      notice
      the
      ages
      of
     
     
      the
      people
      around
      you.
      Mostly,
      there
     
     
      will
      probably
      be
      people
      aged
      18-24,
      ©
     
     
      and
      a
      few
      mature
      students.
      However,
     
     
      the
      mature
      students
      might
      not
      be
      the
     
     
      oldest
      people
      present,
      because
      UPEI
     
     
      has
      a
      considerable
      number
      of
      stu-
     
     
      dents
      who
      are
      over
      the
      age
      of
      sixty.
     
     
      For
      years
      UPEI
      has
      accepted
      these
     
     
      student
      as
      Centennial
      Scholars,
      and
     
     
      has
      not
      charged
      them
      any
      tuition
     
     
      fees.
      That
      is
      about
      to
      change.
     
    

    
     
      It
      is
      currently
      in
      the
      works
      to
     
     
      discontinue
      the
      free
      tuition
      policy
      for
     
     
      Centennial
      Scholars.
      Students
      over
     
     
      the
      age
      of
      sixty
      will
      get
      a
      discounted
     
     
      fee
      schedule,
      but
      a
      discount
      is
      a
      far
     
     
      cry
      from
      free.
      If
      this
      new
      policy
      is
     
     
      put
      in
      place,
      UPEI
      will
      be
      making
      a
     
     
      huge
      mistake.
     
    

    
     
      In
      this
      era
      of
      downsizing
      and
     
     
      fiscal
      restraint,
      it
      can
      be
      argued
      that
     
     
      no
      one
      should
      be
      getting
      a
      free
      ride.
     
     
      After
      all,
      everybody
      else
      has
      to
     
     
      compete
      for
      a
      very
      limited
      number
      of
     
     
      scholarships
      or
      pay
      their
      own
      way,
      so
     
     
      seniors
      should
      get
      the
      same
      treat-
     
     
      ment.
      But
      that
      argument
      doesn’t
     
     
      hold
      water.
     
    

    
     
      Most
      people
      go
      to
      university
      to
     
     
      prepare
      themselves
      for
      life.
      After
     
     
      finishing,
      they
      hope
      ideally
      to
      go
      to
     
     
      grad
      school,
      have
      careers,
      get
      mar-
     
     
      ried
      and
      settle
      down,
      live
      long
      and
     
     
      full
      lives,
      etc.
      But
      seniors
      are
      at
      the
     
     
      other
      end
      of
      life.
      Centennial
      Schol-
     
     
      ars
      don’t
      want
      degrees
      so
      they
      can
     
     
      compete
      on
      the
      job
      market,
      and
      few
     
    
   
   
    
     
      .
      Pa
     
    
   
   
    
     
      priced
      Items
     
     
      Must
      show
      EE
      aes
      Card
      for
      discount
     
    
   
   
    
     
      Charlottetown
      Mall
      Open
      ID
      -
      1D
      Mon
      -Sat
      8929283
     
    
   
   
    
     
      Regular
     
    
   
   
    
     
       
     
     
        
     
     
       
     
     
       
     
     
       
     
     
        
     
     
       
     
     
        
     
     
        
     
     
       
     
     
        
     
     
        
     
     
       
     
     
        
     
     
       
     
     
       
     
     
       
     
     
        
     
     
       
     
     
        
     
     
        
     
     
        
     
     
       
     
     
       
     
     
          
     
     
         
     
     
         
     
     
        
     
     
        
     
     
        
     
     
         
     
     
        
     
    
   
   
    
     
      The
      Panther
      Prints
     
    
   
   
    
     
      are
      interested
      in
      graduate
      studies.
     
     
      They
      take
      courses
      to
      enrich
      their
     
     
      lives,
      to
      enlighten
      themselves,
      or
     
     
      perhaps
      because
      they
      never
      had
      the
     
     
      time
      or
      money
      when
      they
      were
     
     
      younger.
      They
      aren’t
      competing
     
     
      with
      the
      rest
      of
      us.
      os
     
    

    
     
      -
      The
      university
      is
      not
      losing
     
     
      money
      because
      of
      Centennial
      Schol-
     
     
      ars.
      Free
      tuition
      or
      not,
      they
      still
     
     
      have
      to
      buy
      books,
      so
      the
      university
     
     
      does
      make
      some
      money
      from
      them.
     
     
      In
      this
      age
      of
      tight
      funds,
      can
      UPEI
     
     
      afford
      to
      do
      without
      that
      extra
      cash?
     
     
      Needless
      to
      say,
      paying
      students
      are
     
     
      not
      bumped
      from
      class
      lists
      to
      make
     
     
      room
      for
      seniors
      --
      in
      fact,
      the
      oppo-
     
     
      site
      is
      more
      likely
      to
      happen.
      If
      there
     
     
      are
      empty
      seats
      in
      a
      classroom,
      why
     
     
      shouldn’t
      older
      folks
      be
      allowed
      to
     
     
      sit
      in
      them
      for
      free?
      This
      writer
     
     
      cannot
      think
      of
      a
      single
      reason.
     
    

    
     
      What
      will
      happen
      when
      the
     
     
      free
      tuition
      ends?
      In
      all
      likelihood,
     
     
      many
      of
      the
      Centennial
      Scholars
      will
     
     
      disappear.
      Even
      at
      a
      discount,
      tuition
     
     
      fees
      are
      high,
      and
      not
      many
      of
      those
     
     
      over
      sixty
      have
      an
      abundance
      of
     
     
      disposable
      income.
      The
      seniors
      will
     
     
      leave,
      and
      they
      probably
      won’t
      be
     
     
      back.
      The
      enthusiasm
      that
      so
      many
     
     
      of
      them
      bring
      to
      the
      classroom
      will
     
     
      be
      lost:
     
    

    
     
      In
      the
      course
      of
      their
      lives,
     
     
      seniors
      have
      made
      vast
      contributions
     
     
      to
      the
      community.
      Allowing
      them
      to
     
     
      attend
      classes
      for
      free
      is
      one
      small
     
     
      way
      of
      repaying
      them.
      Taking
      that
     
     
      away
      will
      amount
      to
      an
      undeserved
     
     
      a
      in
      the
      face.
      ;
     
    
   
   
    
     
        
         
     
    
   
   
    
     
       
     
    
   
   
    
     
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      for
      youn
     
    

    
     
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