<_ Castlegar News October 13, 1990 LIFESTYLES Come & Celebrate Castlegar's Ist Annual By TIM O'CONNOR ‘The Canadian Press The Golden Rule, the work ethic and the value of money — these are lessons usually best lear- ned at a parent’s knee. Financial experts say that because children don’t learn budgeting and financial planning in school, it’s up to parents to begin instilling these skills at an early age. “The sooner children learn that money must be earned, the more they will appreciate the value of money when they are adults — or they can run into real problems,”’ said Gordon Pape, a Toronto author of financial planning books and a father of three. When the tooth fairly and Scrounging for pop bottles no longer generate enough disposable income, a kid’s next source of cash is usually the weekly allowance. An allowance means a child doesn’t need to bother her parents every time she needs money, but it also serves another purpose. “‘It instils a certain sense of in- dependence and helps them make decisions,"” said Chris Snyder, author of How to Teach Your Children About Money. ADVICE And to begin those early lessons in budgeting, Snyder said, allowances should be given in a lump sum that must last through the week. But money doesn’t grow on trees, right? To teach that, Pape said children should be weaned off allowances as soon as possible. “The longer you give an allowance, the longer it takes them to learn the value of it."’ When children must earn their money, they begin to relate spen- ding to doing tasks or chores, Pape said. “Lots of people think kids should not be paid for helping out around the house — like making their beds — that that's part of being a member of the household.’” On the other hand, kids generally don’t want to do chores. “To make the best of it, you can pay them for their chores,”* Pape said. “You can kill two birds with one stone.”’ But Snyder said chores like doing dishes are p; ing i ru you should pay child: Money lessons up to parents you'd also pay someone else to do, like cutting the lawn or pain- ting the house,”” said Snyder, President of EEC Group, a Toronto firm of personal finance advisers. Snyder and Pape do agree, however, that children will ap- Preciate things more if they pay for all or part of them. So as children get older and can earn more — through paper routes and part-time jobs — they Should share with parents in the cost of expensive things like sports equipment or computer games. The child’s share should be Proportionate to the money she can earn, Pape said. ‘For bigger items, they should be prepared to make some kind of sacrifice.”” To help his children understand the problems of family finance, Pape told them how much money he earned, and when times were good or bad. “I go against (common opinion) on this, but I think they should be made aware how in- come can ebb and flow in a family unit,”’ said Pape. He adds that common sense suggests the big disclosure: should wait until children are older.’’ Joan Grusec, professor at a_ psychology the University of Toronto, said there’s no definitive answer on whether parents should tell children how much they earn. It's a matter of taste and depends on the privacy of the individual, Grusec says. “I can’t think why it would be god or bad on a child's develop- ment, but they should be made aware there are limits and things have to be planned,’ said Grusec, an expert on parent-child relations. She adds, however, that ‘‘total secrecy is no good because you deprive the child of a learning op- Portunity.’’ In an effort to demonstrate the benefits of saving and the magic of compound interest, many Parents open bank accounts for their children. Some banks offer accounts with preferential rates, FREE BEER MUGS!!! 6 for pala inst 500 Scket ho holders avo 10 en) loor before 9: (Doors open * Castlegar Community Complex « Advanced Tickets Only - $12.00 lickets available at: Carl's Drugs, ‘asticgar Chamber of Ce , Castlegar Mohawk, CKQR,"W Park Shell, & Pharmasave Absolutely no minors admitted! Door Prizes are courtesy of no service charges and giveaways for young people. Says Pape: “Kids are not YOU USE CASTLEGAR NEWS CLASSIFIED CALL 365-2212 SAVE A FISTFUL OF DOLLARS WHEN terribly excited to see a couple more cents each month, but as they get older and have miore money, it becomes more im- Pessive."” How To Teach Your Children About Money is available at $14.95 fromeChris Snyder, EEC Group, 67 Yonge St., Suite 1200, MSE 138. ‘Let me help you with your financial needs.’’ ¢ Financial Planning e Lifeinsurance Disability income LEGALS B.C. BUILDINGS +4 INVITATION TO TENDER Construct Washdown Building Highways Yard ROSSLAND, B.C. Sealed Tenders marked Q90-58 ‘Construct Washdown Building” at New 10-year mortgage helps to plan finances By TIM O'CONNOR The Canadian Press Many good memories from the ’60s have been exaggerated by nostalgic baby boomers, but it was a Pretty cool decade for ys Yard, 2385 Washi » Rossland, B.C ‘eceived up to 3:00 p.m. local time the 24th day of October, 1990 and those available ot thot time will be opened in public at British Columbia Buildings ration Corpo 552 Stanley Street, Nelson, B.C. VIL IN2 Plans ifications and other ten- the 10th day of October 1990 at the above noted address Plans and specifications may also be examined at the following Construc tion Association offices 241 Colw Castlegar, B.C. VIN IG3 365-3555 (phone), 365-6066 (fax) Tendering documents must be filed on the forms provided. in sealed, clearly marked envelopes Project enquiries related to project plans, specifications and tendering documents shall be directed to Brent Warne, Project Sup ot They could be had for as low as five Per cent, and home buyers would lock themselves in for 25 years. However, since mortgage interest rates went into doubled digits in the late ’70s — and then into the low 20s in the early "80s — short-term mor- tgages have been the norm. But now, just like wrinkling rock groups, longer-term mortgages have made a comeback with Royal Trust’s recent announcement that it is of- fering a 10-year mortgage. Its rate as of Oct. 3 was 12% per cent. That’s half a percentage point below rates charged for one- through five-year closed mortgages by most financial institutions. Royal Trust is the only major trust company offering a 10-year mortgage and no major bank offers one. Royal Trust and the Bank of Montreal also 354-6190. The lowest or any tender will not necessarily be accepted B.C. Buildings Corporation offer year mortgages. The 10-year mortgage is aimed mainly at first-time home buyers. With the longer term, these buyers — who may already be stretched by their down payment and monthly IF YOU HEAT WITH OIL... CALL ESSO PETROLEUM We Provide More than Just Fuel! Payments — know they won’t be af- fected by rising rates. “The main advantage is for the in- dividual who wants to smooth out payment fluctuations because of in- terest rate changes,’’ said Tom Perris, marketing manager of Royal Trust in Toronto.” “‘If someone has a shorter term puts them more at risk,’’ he said. “‘It (the mortgage) could come up for renewal at a higher rate and the per- son just can’t afford it The 10-year mortgage may also ap- Peal to financially strapped people with large mortgages who could face a crunch if rates rise. For example, if someone bought a house a few years ago with a $400,000 mortgage at 11 per cent and had to renew at more than 13 per cent now, he’d be hit pretty hard. “It’s for people who don’t want to face the interest rate merry-go- round,”’ said Alan Silverstein, a real estate lawyer and author. He said many people dislike dealing with worrisome finances, and a 10- year mortgage would provide a sense of security while saving them from having to regularly renegotiate their mortgage. A 10-year term also makes it easier for people to plan their finances because they know what their mor- tgage payments will be. The added security makes an ex- tended mortgage a good idea for People nearing retirement, said Bob Ord, vice-president of mortgages for FirstLine, one of several smaller trust firms that offer 10-year mortgages. The risk with an extended mortgage is being locked in at a high rate while interest rates generally are falling. But, in fact, holders of a 10-year mor- tgage aren't really locked in. Under law, consumers can renegotiate these mortgages after three years with a maximum penalty of three months’ interest. Institutions also allow an annual and addi hi You'll have the c area for over 30 years. payments, avoid large winter bills, plus get special discount for full participation. We can provide you with automatic fuel delivery with our Data Point 1560 computer Dependibility at competitive prices. We're convenient, with facilities near you! Provide you with top quality, name brand products. All backed by our record of reliability in serving this e of 9 equal : Denny’s Furnace Service COMPLETE FURNACE REPAIR AND MAINTENANCE! Phone: 352-7565 or 365-7838 FOR MORE INFORMATION CALL BRILLIANT RESOURCES LTD. 365-5185 or 352-3713 monthly to help pay off a mortgage faster. Silverstein cautions that, in the case of the Royal Trust’s 10-year mor- tgage, interest rates would have to fall to 11% per cent before a person would break even by paying the three- month penalty. The incentive in the mortgage is the comparatively low interest rate of 12% per cent, but people must realize Kesheics xscry. Ile, oxedsizes, AUTOMOTIVE DIRECTORY Annuities and RRIFs RASPs Jack L. Parkin Bus. 365-6664 Res. 365-2694 Investment Funds RESPs . ° * GICs and Saving Plans . . « Employee Benefits Ri The Mutual Group Facing Tomorrow they could lose money over the long Together haul by trying to save money now, Lirensed with Mutual Lite of Canaca/Mutual lnvesico Inc.". two of The Mutua! Group. said Silverstein. PUBLIC HEARING TAKE NOTICE that pursuant to Sections 956 and 957 of the Municipal Act, a Public Hearing will . be held by the Council of the City of Castlegar on the 23rd day of October, 1990 at 6:00 p.m. at City Hall, 460 Columbia A . City of Castlegar, British Columbia, for the Purpose of hearing representations concerning City of Castlegar Zoning Bylaw No. 553 as well as Bylaws 555 and 558, Official Community Plan Bylaw Amendments. BYLAW 553 Bylaw No. 553 repeals City of Castlegar Zoning Bylaw No. 160 and all amendments to it, and its intent and purpose is to divide the Municipality into zones and to re ulate within the zones the use of the land, buildings and structures; the density of use of land, buildings and structures: the siting, size and dimensions of buildings, structures and uses that are permitted on the land: and the shape, dimensions and area, including the establishment of minimum and maximum sizes, of all parcels of land that may be created by subdivision. Bylaw No. 553 applies to all land and water surfaces in the City of Castlegar. Bylaw No. 553 contains the following zoning designation changes: ZONING DESIGNATION CHANGES civic PRESENT ADDRESS ZONING NING 602-7th Street R-4 (Multi-Family P1 (Schools, Institutional Residential) and Public) LEGAL DESCRIPTION Lot A, Plan 14911 D.L. 181, K.0 Lots 18, 19 and 20, Plan 2472, D.L. 181, K.D P2 (Parks, Recreational and Cemetery) 831, 837 and 843-8th R1 (Single-Fomity Avenue Residential) R4 (Multi-Family Residential) bor 1, Vian 4436. 2100 Crestview Crescent C2 (General Commercial) 2224-6th Avenue MI (Light Industrial) P} (Schools, Institutional Lot A, Plan 12010, .K.D and Public) D.t. 7174 1200 Park Lane RI (Single-Family R3 (Multi-Family Residentiaty Lot B, Plan 16741, 12361, K.D. Residential) DL Plan X 34, D.L. 4598, S-Lot Except Plan RP 123070-1 P2 (Parks, Recreational end Cemetery) 3705 Columbia Avenye P1 (Schools, institutional and Public) 1002 Merry Creek Road R4 (Multi-Family The most southerly 132 R1 (Single-Family s of D.L. 12364 residential) Residential) except Plan 6388, K.D. 1680 Woodland Drive R4 (Multi-Family jidential) P1 (Schools, Institutional Lot A, Plan 13580, L. 7198, K.D. ‘ond Public) D. BYLAW 555 The purpose of Bylaw 555, Official! Community Plan Bylaw Amendment, is to change the designation of Lots 18, 19 and 20, Plan 2472, D.L. 181, Kootenay District (831, 837 and 843-8th Avenue) from P—Park to SF—Single Family. BYLAW 558 The purpose of Bylaw 558, Official Community Plan Bylaw Amendment, is to change the designation of: (1) Lot B, Plan 16741, District Lot 12361, Kootenay District (1200 Park Lane) from SF—Single Family to SFM—Single Family Multiplex: and (2) The most Southerly 132 metres of District Lot 12364 except Plan 6388, Kootenay District (1002 Merry Creek Road) from UR—Urban Reserve to MF—Multi Family. Copies of the proposed bylaws may be inspected at the following locations between the hours of 8:30 a.m. and 4:30 p.m., Monday to Friday, both inclusive (except holidays); City Hall, 460 Columbia Avenue, Cast. ai r RES wo Costleger, B.C. COMPUTERIZED ALIGNMENTS 2.Wheet & 4-Wheel Call 365-2955 ° and Engineering Services Department, 1482 Columbia Avenue, Castlegar - from the date of this Notice, October 13, 1990 to October 23, 1990, both inclusive. ‘sons who believe that their interest in Property is affected by Bylaws 553, 555 and/or 558 | be afforded an opportunity to be heard in person, by a representative or by written sub- mission on all matters contained in this Bylaw, at the Public Hea: 'g- GARY WILLIAMS, Clerk October 13. 1990 WEDNESDAY Castlegar, B.C. 5 Sections (A, B, C, D & E) aafe 75 Cents Natives rebury ancestors Flag football down to the wire +«-A2 WEATHER Tonight: Overcast with periods of rain, Lows near 3. Thursday Cloudy with rain showers. Snow in the mountains, Highs 6-8. Friday's outlook is cloudy witha few showers. Probability of tation is 90 per cent tonight, 60 per cent Thursday and 40 prec «+.B per cent Friday Westar OK for 12 weeks, By CasNews Staff id News Services Celgar Pulp Co. will not be affec- ted by the shutdown of Westar ber’s logging operations as long as the timber company’s sawmills continue to operate, Westar’s general manager of the B.C. southern region says. The sawmills will produce wood chips, which are the raw material for Celgar’s pulp, as long as the sawmills have stockpiled logs they can work with, Dan Madlung said Tuesday. Westar’s mill near Castlegar has enough logs to continue operations for 10 to 12 weeks, Madlung estimated; And after that, timber co- mpany officials hope the lumber market will pick up sufficiently to allow logging to begin again, he said. As well, Westar’s small contractors in the Castlegar area will continue to cut small logs to feed the local sawmill, he added. However, if the lumber market remains depressed after the 10-12 week period, the sawmills will have to be shut down, Madlung said. Roy Helmkay, manager of Westar’s mill in Castlegar, said the company is losing money now but its Profits are still exceeding the costs of maintaining the sawmill facilities during a shutdown If the costs of equipment leases, Power, taxes and other constant costs begin to exceed profits, then the Castlegar sawmill will have to close, Helmkay said. While the mill has a wood supply, it will be running normally, not slowing down to make the logs last longer, he said. The cost of running the sawmill is spread out over the volume of Products the mill produces. If the volume is high, operating costs are Proportionally smaller, he said. The Castlegar milll is a ‘‘borderline business’’ right now, Helmkay said, meaning the sawmill is ‘‘just barely” making more money than _ its yor operating expenses. But Madlung said it would be ” * for sawmill to begin worrying about layoffs. Company officials hope the market will pick up in a few months and the mills will no longer be in jeopardy. “*We’re viewing this as a short-term market condition,” Madlung said. Ed Conroy, a tugboat Operator who transports logs by water to the Castlegar sawmill, said Westar em- ployees not affected directly by the shutdown of logging operations are “taking a fairly positive attitude” toward the situation right now.”’ They are aware that layoffs may occur but they are hoping their jobs will be saved, he said. Madlung said the current state of the lumber industry is worse than it was in 1981-82 during the recession. manager says and truckers out of work. Westar will review the situation from week to week during the shut- down, Madlung said. The shutdown effects Westar’s Costs, such as taxes, revenues and wages have increased much more than the value of the product, he said. The only thing that offsets those costs is the investment the timber company’has made to become more efficient, Madlung said. Westar officials say the company will shutdown all logging operations from Mica Creek to Castlegar this Friday, throwing about 400 loggers a mill near R, as well as the Castlegar mill. The sawmills employ about 350 IWA-Canada workers. “‘My understanding is the mill it- self, irrespective of the layoff situation, has been operating at a loss for quite some time,”’ said Klaus Of- fermann, business agent for IWA- Canada Locat 1-405 in Nelson. “Our impression of the Castlegar please see WESTAR page A2 Residents not happy By CasNews Staff Residents ‘and business people around 13th Street near West Kootenay Power's main Castlegar substation say they are unhappy with what they call a broken promise from the utility to beautify the lot when a new substation is completed. But a spokesman for West Kootenay Power said the company doesn’t have the staff to take care of a lawn and the city has turned down a request to take over the maintenance of the lot as a city park once WKP has landscaped the area. Castlegar divisional manager Doug Fergusson said Monday the utility has instead opted to spruce up the lot with something that will be "low maintenance." WKP will lay down black plastic and crushed gravel, plant shrubs and install an underground sprinkler system, he said. Ald. Patti Richards, chairman of city council’s parks and recreation committee, said the city declined to take over the area as a park because the city also-doesn’t have the staff to maintain the lot Maintenance of existing parks is being criticized and the city needs to review its maintenance plans to determine if current resources can be better used, she said. But the city encourages West Kootenay Power to landscape the lot and the parks committee does not rule out taking over the area as a park in the future, Richards said “We like the offer but not at this time,’’ she said, summing up the city’s position. The decisions of the city and the utility do not impress businessman Ernie Berger or area resident Pearl Androsoff. Berger said people in the area were Promised a park by WKP and the utility should be ‘good corporate citizens’’ and spend the money needed to beautify the lot and main- tain the area. » ‘*We should push them to do what they promised to'do,”’ he said. Androsoff, who ha3>fived in the area with her husband, John, for about 39 years, said she also cares about the look of her neighborhood. “*We're living in a junky corner and we’re paying high taxes,”’ she said. As well, people in the area are upset that WKP has turned their street into a dead end, causing parking problems for trucks and customers to the area businesses, Berger said. Traffic using the West Kootenay Power lot as a passage back to Columbia Avenue raises dust in the summer, he added. Fergusson said the utility wants to clean up the lot, which has been used as a dump site in the past, and wants to prevent anyone from driving over the lot since it will tear up the lan- dscaping the company plans to do. The new substation, expected to be completed by the end of October, is being built in anticipation of the growth the city is expecting in the next few years. MOVING THE M ee Doris Raiwet, an employee at postal franchise at the store. Postal operation: government-run post office closed its doors. AIL Johnny's Grocery in Robson, stuffs the lock boxes in the newly opened s In Robson shifted to Johnny's on Monday after the CasNews photo by Claudette Sondecki By CLAUDETTE SANDECKI Staff Writer Louise Scott, a parent in Blueberry who has lobbied the Castlegar school board to reopen Blueberry elementary school, says the board’s decision to support in principle the reopening of the rural school in September 1991 is “*good news’’ and shows the board is **going in the right direction.” Board chairman Gordon Turner made the announcement during Monday’s board meeting. The decision was reached during a closed session earlier in the evening. Following the meeting, Turner told reporters the board made the decision in an attempt to ‘‘relieve a little Pressure’? at Kinnaird elementary school where crowded conditions are a problem. The decision was made now to give school district staff time to consider what the makeup of classes at Blueberry will be, Turner said. He said the rural school will be opened in phases and may involve moving only a few students in one or two primary classes in the first phase. The board wants to reopen the school ‘‘in a very quiet way”’ and ex. pand the classes offered at the school as needed, Turner said. There will be some costs associated with the reopening, such as providing library materials, but those costs should not be ‘‘excessive,”’ he said Turner said reopening Blueberry school this September would be too costly and couldn’t be justified by enrolment figures. Currently, 73 students from the Blueberry area at tend primary classes at Kinnaird Turner said lobbying by parents wasn’t a major factor in the decision to reopen the school but ‘*I would be Naiveto say it hasn't been there."” Scott said pressure from parents was likely a “‘contributing factor’’ in the board’s decision She praised the board’s plan to reopen the school in phases, saying Trustees support reopening Blueberry school that shows the board is ‘‘being open minded’’ and is ‘‘looking toward the future.” Most of the parents who have Pushed for the reopening of the school will be satisfied with the board's decision and its plans for im- plementing that decision, Scott ad- ded Dino Zanit, the principal of Kin- naird elementary, said Tuesday he hopes that he and his staff will have a ‘‘good deal of input”’ into the com- Editorial, page A4 Position of Blueberry school’s classes. site said he would like to see parents involved in the planning as well Gauging the change the Blueberry reopening will have on his school is difficult at this point, he said, noting students from the Blueberry area are dispersed throughout the classes at Kinnaird But he said he’s pleased with the amount of time school district staff will have to determine what classes will be offered at Blueberry “I look forward to” making decisions in the best interest of the kids,"* he said Turner said the Blueberry school threat” to Vally Vista elementary school. As well, the decision to reopen Blueberry concerns only that rural school, and does not mean the board plans to reopen any of the other small schools in the area, he said However, Ootischenia elementary school is being used by the new teacher education program and if Castlegar experiences a ‘‘population Push" in the next few years the school will be ready to open as a facility for children if there are enough students warrant such a reopening of “involves no in Ootischenia to move, he said The board is not talking about reopening the schools in Shoreacres and Pass Creek, he added Ballots will feature familiar names Nov. 17 wants to be an alderman Duff, 31, who served a term on Kimberley city council, said he will By CLAUDETTE SANDECKI Staff Writer Castlegar area residents will see itrany familiar names on the ballots during local government elections this year. Most school board trustees, in- cluding chairman Gordon Turner, say they"plan to run again while Regional District of Central Kootenay directors for the three rural areas surrounding Castlegar say they plan to seek re- election. However, the list of names on the Castlegar city council ballot is not yet as clear, with only Mayor Audrey Moore and Ald. Patti Richards cer. tain they want to try for another term. Aldermen Lawrence Chernoff, who is finishing his first term on council, Marilyn Mathieson, who has served five years, and Albert Calderbank, who has been on council for about 12 years, say they need time to mull over their decisions. Mathieson said she’s wondering if she wants to commit to three years this time. Ald. Doreen Smecher has a dif- ferent problem since she’s also a school board trustee. She said she’s “‘on the horns of a dilemma’’ as she tries to choose between the school district, where she has served for 11 years and knows where to ‘‘hang my hat,’’ and the city, where she’s “having so much fun’’as a first-time alderman Smecher said she will probably with the city, ‘with & lot of regrets. There are a number of school district projects that she said she would like to continue to be involved with, especially the Stanley Hum- phries secondary school renovation which is now in its first stage. But shi recognizes that the upgrading will happen whether she is there or not. “I'd just like to be part of the hap- pening.”’ Smecher said she will not consider holding both seats again since the dual role divides her attention. With the changes expected in the city due to Planned construction projects in the area, aldermen are going to need Richards, who will be seeking her third term, has reasons for staying similar to Moore’s — continuity is needed on council in light of the major projects planned for the city in the next few years and the recent changes to the city’s senior ad- ministrative staff, she said. Richards, who is chairman of council's parks and recreation com mittee, said she would like to see a long-term development plan for parks completed and a sport tourism com mittee, with representation from the cities of Castlegar, Trail and Rossland, put together to bring large Sporting events — such as the B.C Winter Games — to the area Terry Rogers, who has been an alderman for five years, said he’s still undecided about running again but may quit because of increased work commitments However, Rogers said if he were going to run, he would consider seeking the mager’s chair Anyone interested in running for a city council seat cannot file nomination papers until tomorrow, following the insertion of the official election notice in today’s Castlegar News. But Kirk Duff, who has lived in Castlegar for about two years, is already letting it be known that he bring “‘energetic enthusiasm’ to council and he is not afraid to take on a challenge. He said he is ‘‘fairly ob- jective?’ has common sense and is realistic. He said he likes to be in- volved in decision making — just voting is not enough. He has ‘ta handle’ on what a family-oriented community wants, said Duff, who works as a winder electrician at Cominco and belongs to the Castlegar Lions Club. Duff already has some ideas about issues facing council right now Council should emphasize the Positive aspects of the Celgar pulp mill expansion project rather than frightening people with the possible negative effects on the city if the ex- please see BALLOTS page A2