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Remember, an RRSP is an important investment as well as a tax break, says Gordon Pape, a Toronto author who specializes in financial advice, **As the deadline approaches, a lot of people just walk into @ financial institution and give them a cheque,’’ Pape says. “What they usually say is ‘I want to buy an RRSP,’ as opposed to ‘I want to invest in an Those who take the time to select good investments and monitor their performance will be rewarded with thousands of extra dollars when they retire, says Pape, whose books include a guide to RRSPs. “‘A few percentage points of return can make a huge difference."” Making a choice can be difficult, given the bewildering number of different investments that are eligible for RRSPs. But Pape and other specialists say there are essentially four main types of RRSPs: savings accounts, fixed-rate plans such as guaranteed investment certificates, mutual funds and self- directed RRSPs. A savings account RRSP is simple to set up and the investment is safe, but the interest rate is relatively low, Pape says. In fixed-rate plans such as GICs, the money is invested for a specified period at a specified interest rate, These investments are also safe — as long as the institution is financially sound or they are within the $60,000 limit covered by federal deposit insurance — and the investor knows exactly how much money there will be at the end of the term. On the other hand, Pape says, GICs are inflexible because the money is Jocked in, and they . have no potential for growth beyond the set interest rate. Mutual funds are pooled funds that invest in stocks, bonds, mortgages and money market instruments such as treasury bills. The investor buys units in the fund, which in turn buys and manages Wise investors reap rewards, experts say retirement products at the Canadian Imperial Bank of Commerce. “*This is for pepole who like to control their money, people who like to play with it, move it around, but all the time it remains a registered (retirement) fund,’’ she says. The type of investment purchased for an RRSP should be dictated by income and tax bracket, age, and personal circumstances such as family obligations, says Tom Delaney, a Toronto-based financial adviser. For example, he says, someone who may want to withdraw funds from an RRSP in a cduple years to make a down payment on a house obviously won't want a five-year GIC. And as you get closer to retirement, you should avoid higher-risk stocks and stock-based mutual funds and make more conservative investments. You also should question putting into an RRSP stocks and other investments that are eligible for other tax breaks, The two main ones are the tax credit on dividends from Canadian companies and the cumulative lifetime exemption from tax on capital gains up to $100,000. “It makes no sense to have eguities in an RRSP if at the same time outside of the’ P you have T- bills, Canada Savings Bonds, GIC: jing interest that’s fully taxable at your highest marginal tax rate,’’ says Delaney. Pape agrees, but says people whose RRSP is their only investment portfolio should consider buying some equities. rf “Otherwise, you're missing out on one of the main driving engines in terms of a return on investment.’" Over the long term, stocks will outperionm any other investment, Pape says. “GICs are safe and solid and everybody in Canada loves them and we put money into them by the ton. But if you go to the trouble of choosing a good mutual fund, it will probably give you the best return,”” However, yur entire RRSP shouldn't be in stocks, Pape warns. Financial advisers commonly suggest using an “‘asset mix’’ strategy in which investments are diversified according to risk. PIAYIS B SITVS SO73N ONILWIH 8 SNIGWINTd ¥NOA THY wo4 $n 335 SNIVIH 2 ONIGWMId BWOTTISVO 106015803 ‘Ory D1GUINICD BOO! « SBCE-S9E SUCHR € yauow ‘Anpuns 0; yBnosy sz Aupnuge4 ‘Anpuow OL ANaWNIVLEEALNG @ the investments. Mutual funds have the potential This type is for more sophisticat cautions Chris Watson, marketing mi growth than either GICs or savings accounts, but most also carry more risk, Pape says. The fourth type is a self-directed RRSP, which is held in trust by a financial institution for a fee while the individual chooses the investments. For instance, an older investor would have a high proportion of her portfolio in fixed-income securities like bonds and cash-equivalent investments like treasury bills and a low proportion in equities so that most of her savings won't be jeopardized by a downturn in the stock market. People should adjust their asset mix as changing economic conditions make various investments more attractive, Pape says. for greater. ‘ed investors, anager for £ youow ‘Aopuns 0; yBnosy; gz Asonugey ‘Aopuow '" ip te reg. SMaN 9ITL-S9E SUO: History buffs eye rail tours VANCOUVER (CP) — Barrie Sanford has 12 rail cars that are all dressed up and have nowhere to go. He’s a member of the British Columbia chapter of the National Railway Historical Society. The B.C. group owns the restored cars, parked at several rail yards in the Vancouver area. Another seven cars are waiting to be rebuilt. While the train buffs enjoy reviving old rail cars — at a rate of about one car a year — they’re also concerned about life beyond Testoration. “We don’t want to preserve something just for a static environ- ment,”’ says Sanford. So far society members have had little luck in getting their message across to government agencies and to Via Rail, which slashed passenger service across Canada a year ago. Sanford says the Crown cor- poration is missing a golden oppor- tunity to offer specialty tours. The B.C. historical society’s dream is to introduce a two-night trip bet- BIRTHS & DEATHS BIRTHS CORMACK — To Pamela and Kevin Cor- mack of Castlegar, a boy, born Feb. 20 GAMBORSK!I — To Timers and Wayne Gomborski of Castlegar, « girl. born Feb: LINK — To merge Link and Wayne McLaren of Harrop, a boy, born Feb. 14 NIMINIKEN — To Wendy and Gary Niminiken, o boy, born Jan. 21 TALI — To Caroll and Nida Taiji of Nelson, a boy, born Feb. TURNER — To Shana and Doug Turner of Nelson, a boy, born Feb.1 i Keremeos; 14 grandchildren; 21 great- grondchildren: two sisters, Wilda Bran. ‘of Calgary and Helen Robertson of Nelson; two brothers, Frank of Golden ond Percy in Ontario. CARLSON — Myrtle tvelyn Carlson died Jan. 28, 1991, at Castlegar Hospital after @ lengthy iliness. She wos 86. Mr: Carlson is survived by her daughter Bet- ty-Jane Mcleod of Castlegar; daughter ‘and son-in-law Marian (M (Molly) ond Bruce Spencer of Sardis, B.C.; grandchildren Gladys and husbgnd Vincent Mcintyre, tucinda and husband Allan Fry, Sarah and husband Wayne Fry, John McLeod, Susan Spencer, Eleanor and husband Abraham Setton, and Steven Spencer; and seven great-grandchildren TYERS — To ‘Aesleas ‘wd Td Tyers of Kaslo, a boy, born Feb. 13. WASILENKOFF — To Christine and Gor- Wasilenkoff of Shoreocres, o born Feb. 14. All Formal tf cowns * GRAD '91 * BRIDAL ween and Banff, Alta., using its coaches, two dining cars and two open cars. “In the summer, we'd have open cars with no windows.- You could just sit and take in the fresh air,’’ Sanford says. “The market we're after is primarily a tourist-style market - “It’s best to accommodate 250-300 passengers with the coaches, open cars and dining cars. It gives people lots of chances to mix around and resoosagums "th YELLOW CHEESE & Part-Skim MOZZARELLA Manufacturers scale down mountain bikes By IRA DREYFUSS The Associated Press If Mom and Dad have multispeed off-road bikes capable of taking on mountains, why is Junior stuck with @ one-speed barely capable of taking on a@ steep driveway? More and more manufacturers have been scaling down mountain bikes to dimensions kids can ride. “*There’s at least 15 manufacturers selling mountain bikes for kids,’’ said Tim Blumenthal, editor of mountain biking for the U.S. magazine Bicycling. ‘My guess is that’s three times the number of two years ago.”" However, it isn’t easy for a non- expert to tell a good kid’s bike from a bad one, said Jim Hasenauer, a _ Spokesman in Los Angeles for the Another advantage is the gearing. Six speeds, typical on a kid’s moun- tain bike, make biking easier. The gears on a kid’s mountain bike cover the middle section of the 18-gear range on an adult bike. Multispeed gearing may help kids to cycle farther or higher, but even a superb multispeed won't turn a kid into an adult, Blumenthal said. ‘I don’t think you can expect a subteen — under 11 or 12 — to last more than an hour and a half.”” What’s more, derailleur gearing (outside the rear wheel hub) can go out of alignment under the abuse that kids can give a bike, while a simple one-speed is a lot harder to destroy. Kids younger than eight may have trouble mastering the shifting or International , bikers and businesses dedicated to promoting the sport. Cost-cutting can be hidden in such areas as cheap frame tubing, poor welds or rough bearing assemblies, Hasenauer said. Top of the line children’s bikes cost about $225 to $450 Cdn. Like their grownup relatives, a kid’s mountain bike is a fat-tired machine with upright handlebars, hand brakes and many gears. And, like an adult's, it should be tough enough to roll over fallen trees, through deserts, and across boulders. “The bike itself is durable, bom. the end: to get the most from a mountain bike, Blumen- thal said. So, the experts say, parents should expect some improvement, but no giant leap in endurance or distance from their preteen or young teen. To encourage mountain biking, give young people a_ specific destination — they may not ride just to enjoy the scenery, but could be enticed into a trip if a picnic or a swim is at the end of it. And, the experts say, make sure children have good helmets. OUR ACTION AD PHONE NUMBER IS 365-2212 bproof imes — Blumenthal said. ‘‘The one aspect that kids really do appreciate is the durability.”” He also thinks kids may.have a natural affinity for mountain biking — a naturalness that comes from having less fear and a good sense of balance. Blumenthal considers the moun- tain’ bike potentially stronger than the current kids’ standard, the BMX (bicycle motocross), a low-slung one- speed designed for churning through dirt raceways. socialize.’’ From 1983 to 1986, the B.C. historical society experimented with the Okanagan Express before in- surance costs soared and government support failed to materialize. The Express was a $350, three-day round trip between Vancouver and Penticton in the B.C. Interior during the Victoria Day weekend. PRUNE AND TRIM TREES... THE QUICK AND EASY WAY! We have pruning equipment that reaches up to 40-ft. high while you remain standing on firm ground NO LADDERS TO CLIMB! TROWELEX RENTALS AND SALES Ind. Park, Castlegar 365-3315 ghey eicare AUER veer AUTOMOTIVE DIRECTORY Re, expciogs eins, ices KAA TIRES LTD. 1507 Columbia Ave., Castlegar, B.C. COMPUTERIZED ALIGNMENTS 2-Wheel & 4-Whee! Call 365-2955 FEATURE OF THE WEEK 1985 PONTIAC GRAND PRIX * Fully Loaded * Extra Clean CALL WENDY 352-3817 ARCHIE OR GRANT 352-3542 Nelson "jeep Chrysler Eagle) 803 Baker St., Nelson + D.L.N. 5413 34. LEGALS LEGALS $97,000 Hf you like the uniqueness of older don't miss this! 5 bedrooms, 3% beth, zoned for bed and break: fast. Has extra suite for mom-in-law. 120'x100 panaromic view. Call Ardis Urquhart 362-9483 or LET YOUR TENANT PAY THE MORTGAGE in this home with o suite built-in. m. home in Ai condition, Aro igay dining room. Fully + with summer kitchen and more. All this for only $46,500. Call Tony Mikes 362-5843 (Res.) or 368-5222 (Bus. 1760 DANIEL ST. — TRAIL 2 bedroom, newly renovated main floor — fridge/stove includes semi furnished 1 bedroom suite down- stairs — only $31,000. ? DESIRE SPACE & QUALITY? Enjoy the grace and comfort of Yesteryear in this over 2700 sq.tt. ye on one of the nicest view lots Price Reduced! This 12-year- old home features over 1400 sq.ft. main floor. Sunken living room with fireplace. 3-piece on-suite, 5 built in room to large sundeck and Ton fs eag is wd, motivated (Res.) oF DESIRABLE FAMILY HOME 4 bedroom located in Seertend. * BRIDESMAIDS 10-503. ROSE'S BOUTIQUE Castlegar * 365-5610 SOME 1991 MODELS “| STILL LEFT IN STOCK. *2'@ ‘s0Beys0> *@AYy DIQUINIOD {9/1 opseredi re DEATHS ~ BRADFORD — Cecil Calvin Bradford of Castlegar died Feb. 18, 1991. He was 88. z ir. Bradford is survived by two sons, tt Cliiton and wite Margoret of Trail, and 2 Calvin and wife Chris of Bra daughter Ann and husbond Allon pork of CAR STORE 365-7555 a33N 3M 991Z-S9E Suadann @® 7 AHOIN “OL ANWNIVINAING @ Ministry of Sete bantins Sil en ry mS range. NOTICE: INVITATION FOR = TENANT-SUPPORT PROPOSALS —~< in Beautiful Rossland. Has all new Proposals will be received by the District Supervisor at 1006-3rd thermal windows, a ot renovations Street, Costlegar, B.C. VIN 3X6 for a TENANT-SUPPORT done. Hg ove, wai PROGRAM to be provided for 2 mentally-handicapped in- dividuals nang in Fine Castlegar Community. Province of British Columbia 113 O1 SIWOH NOLLVN TVA LINNVW 33a4 AVG YM FIN @ FEATURE OF THE WEEK “SODN/ SIDNG/ SNIXDIHD HOF S.11 SBA 4098 NI GN HLNOS ‘ONILI3S AZINNOD NALINI NI SWOH “WaOS ¢ V — LVHM 1 ALTW4u | AeHhaj]}Sse) GOO9 101 LV14 051*001 JWitid NO ‘ONIAN 13A31 3NO- WOH O18 DIN “SUD BCT ANIW3SLLIS BO BILEVLS soc Ajuo “09S NI "SNOLLVAON& 3WOS "3WOH Brings in $700 per month Bont miss this opportunity Call Ardle Urquivert 962-9483 or S6@ AL a 1986 CHRYSLER Program Criteria: NEW YORKER 1) Provide supervision and core 16 hours/day, P pidee Gane heats per day Soturdey, Sunday crid hetideys, | — scam. se 1990 TEMPO GERRY 5 2) ion into Castl for ea ee $8 595 i a ‘ond co-ordinate activities ponte other service penny tedio, ove. ary pa src pair an Ministry of surtenies H Housing at Pore Ay 1989 TAUR veron ' Proposals must be submitted by 12 noon, Friday, March 1, 1991. cp 59, 995 Landscaping and Excavation by a : eer 365-7137 = NI3TIOD Tiv> SBUNLV3d WWDads ANVW MINUS “DY 8 NO WOH O87 Baan Aseayog ewoH d are to be neg: The lowest or any proposal will not 8 99TL-S9 sman