—— ARTS/ENTERTAINMEN The Castlegar Sun WEDNES Cartoonist Cepella offers class at NEC class on May 16, from 9-4 p.m Cepella work ha appeared in The Vane er Like to draw? Nelson-based Sun and The Pravinge Cartoonist/illustrator, Rick Cepella is coming back to the West Kootenay National Exhibi tion Centre to offer a cartooning Submitted whos is well as-various magazines pub has been cartooning for eleven years lished in Vancouver Recognition of Rick Cepel la's distinguished talent has become quite widespread with in the trade strong,” His work is very says Montreal Gazetté cartoonist Aislin Cepella took an degree at the Ottawa, and later studied art at Financial Counseling UBC and the : imily Carr Col and Goal Setting lege of Art and Design. Students relish Rick Cepella’s Brenda lively classes not only for their instructive value but for their extravagant fun. Cepella’s own English University of BMS Consulting EWO FIRST PRIZES: Huu Mercedes-Bens 1M0E: wutonnubites DRAW Atay VISION DO/21 8 Bn Lorre’ INCREDIBLE ODDS BUY A TICKET Alb the p " DRAW: May 198 SUPPORT B.CUS MEDICAL EYE RESEARCH ' ghi 7 hat all B inter the 2 ORDER FORM to 1 0 er : Vr iectined 1 ' Chequer t 1 VISA 1 Bape ce 1 1 NAM 1 L AbbReESS 1 ocr 1 f Phte nomen, Hin ; Ple ave mail \ VISION 2421 EVR CARE \ \ 4 Gana sed 1 pli pp => eer a AT THE MOVIES [aaron WED THU za-~| CEB F329 tAeK CuRnINe FRI SAT SUN’MON TUE WED THU ant 30,1 2)3 4/5) 6 may BURT REYNOLDS PRESENTING THE FEST IN MOTION PICTURE ENTORTAMENT pr=-$eo- ao one ENTER TO WIN A FREE MOVIE PASS TO THE CASTLE THEATRE pel ce | I I I Name ———————— 2 A ; ! Phone 4 ; 1 I in| 2° ! 1 1 1 1 Weekly draws! No photo copies please. COMPLETE 1 WF SHOWTIME WEORWATON PONE 365-762 upmeeeeeeed irrepressible ¢ nithusias m keeps ses: ions popping | enjoy teaching partly I learn when I'm teach ing,” he says with winning mod. because esty “AL of us in the class inspire one another The upcoming class at the NEC will include demonstra tions and lots of drawings. As is usual, with his courses, Cepelfa intends to have one cartoon, by each of his students published at the end of the. class. People interested in taking Rick Cepella's class should NEC (365-3337) to pre-register by May 7 The National Exhibition Centre the A Highway 3A phone the is located across from istlegar Airport on Selkirk Weaver's Guild back at the Doukhobor Museum Subratted May | will see the Selkirk Weavers’ and Spinners’ Guild members back at the Kootenay Doukhobor Muse- um across from Castlegar Airport Demonstrations of spin ning and weaving will be ongoing there on Saturdays, Sundays, and Wednesdays from It a.m. until 3 p.m throughout May and June The Guild hopes to final- ize afrangements to ha the room open every day all Raits makes sales and contacts at art show Submitted Contacts and orders rolled in for Kuris Raits at the Eighth B.C. Creative Arts Show held March 14-16, 1993 as part of Southex Exhibitions’ Vancouver Spring Gift Galley at B.C. Place Stadium From Slocan Park, Kuris Raits Woodcarving was one of more than 100 talented home-based ~ businesses sponsored by the Min istry of Economic Development, Small Business and Trade chosen to exhibit products at this whole- sale market place “It was a great opportunity to make fresh contacts and take on new outlets for selling my carv- ings,” states Kuris. It was one of those all too rare win-win situa tions where home-based business. es get the exposure, experience needed, and Southex Exhibitions had the and sales they unique opportunity of offering their clientele a selection of quali ty B.C. made items. Kuris has been carving his realistitally styled birds for over nine years. He has carved over 100 different species of birds They-are all handcarved and detailed and then painted with oils and mounted on natural settings The government sponsored area of B.C. Place Stadium that Kuris Raits Woodcarving shared with other exhibitors buzzed with activity. Over 6,500 buyers from retail outlets across the country shared lively exchanges with new entrepreneurs who welcomed the opportunity to reach a much wider market then they coulti from their home communities. The positive response to the show means good news to crafts people all over British Columbia who seek to increase sales of their products. Festival of Arts minute Submitted Many prominent film directors and actors started their careers with entnes in the B.C. of the Festival directed the internationally known film “The Grey Fox” Fox”. Some scenes from Festival of the Arts. Philip Boros, a past participant The Grey were shot outside Trail Residents of Trail and the surrounding communities are invited to come out and witness the fine submissions of film & video which will be a part of this year’s Festival Join us May 26-30, 1993 in Trail for the B.C Festival of the Arts and be part of this exciting event. Phone 368-6007 to volunteer PREROSECRHSEEO ES Swim For Recreation MAY RECREATION PROGRAMS Registration now taking place at the CASTLEGAR & DISTRICT RECREATION OFFICE Kootenay Fit (A fitness instructors workshop) SELKIRK COLLEGE Saturday, Amy 15 * 8 am- 5 pm Swim B.C. N.C.C.P. Level 1 Technical Coaching Cli * CASTLEGAR AQUATIC CENTRE May 14 - 16 » Fee: $125.00 To register: Call Rick Robinson 734-7946 Gb BBB CASTLEGAR & DISTRICT COMMUNITY COMPLEX 2101 - 6 Ave., Castlegar 365-3386 ENTER TO WIN A FREE SWIM, SKATE OR FITNESS PASS TO THE CASTLEGAR REC CENTRE complements of Name ‘ Phone @rawel No photo copies please The Catiggar Sun T Just drop off newspaper coupon at the Castlegar Sun - 485 Columbia Ave. week long during July and August Guild explain the process of mak from fibre to members will ing cloth fabric The public is warmly wel comed. A gift shop is on the premises, offering works designed and “Woven by Selkirk Weavers A “Basket of Weaves” raffle will be presented to a fortunate tic! ice holder at the Guild's annu- The prizes will consist of andmade basket, a pair of beeswax candles, two each of tea towels, hand towels, place mats, table napkins, pot hold« ers, anda break basket cloth All items are colour-co-ordi nated and woven by S.W.S.G members. Tickets will be on sale at the Doukhobour Museum Cost is $1 each. This enter- prise helps the non-profit group to maintain its quarters at the museum The Guild meets on the third Wednesday of every month, at the museum, at 9:30 a.m, Anyone interested in fibre arts is invited to attend. Please call 365-5918 for details. BUSINESS | he Castlegar Sun WEDNESDAY, April 28, 1993 Kuris Raits NM iis RATES WOODC ARVING Photo submitted Castlegar 4H club busy We're off to Cranbrook On April 18 we went to Cran- brook to meet other 4H’ers for the judging practice and brought our donated clipboards from Pharmasave. Thanks Phar- masave, they worked greatly Then we're off to Wycliff rodeo grounds for the real thing on May 8. We will sleep in a barn 2 nights and judge horses, cows, dogs, rabbits, etc. We'll report back around the May 8 paper on the results! 4H reporter, E. Davis the home of your dreams ST. PAUL'S HOSPITAL FOUNDATION SHOWCASE . © 2 fireplaces © 2 car garage © Ravine lot in oor ft Draw Date June 1, 1993 This feature-filled 2,087 sq. ft. home is located in the award winning Westwood Plateau ‘ Home and Property priced at $420,000 © 3 bedrooms 10’ ceilings Hot tub eon ’ Westwood Plateau ticket(s) at $100/ticket. Enclosed please find my ‘al Cheque/money order (payable to St. Paul's Hospital Foundation) 7 is J Visa/Mastercard # Expiry Signature Name Province 2 # (home Mail to: §t. Paul's Hospital Foundation. + Postal Code (office) Glance New faces new places Barristers and Solicitors, Richard Spilker and Rod McLeod have forméd a part nership. Spilker and McLeod will be offering full legal ser vices in Castlegar,.Kaslo and Nelson New service Dave Turner is now offering a technical survey service for the Castlegar, Nelson and Trail area. His company, Blueberry Technical Survey, specializes in subdivision design and topographic surveys. Expanding Twin Rivers Distributing is now the Kootenay distributor for Dickie Dee ice cream. It's already available at Trail Esso, Nelson Family Meats, Rosy's Cappucino Bar and will be coming soon to convenience stores in the Castlegar area Seeing the light Springback Upholstery, locat- ed in the Oglow building on Columbia Ave. in Castlegar, is the local depot for the Lion's Club Eyeglass campaign. If you have old prescription eye- glasses that you are not using, please take them to Spring- back and they'll ensure the Lion's Club here will receive them. From here the eyeglass- es are donated to eye clinics in third world countries. Spring cleaning your car? Paul Silva has a new business, The Auto Spa, and he provides a full service hand wash and car detailing service. Interior and exterior detdiling, acces- sories and wax for cars, vans trucks or cycles is available Call him at 365-5767 Young entrepreneurs Woodland Park Grade 5 and 6 students are camming money to field trip to the Drumheller dinosaur Museum They will be holding a parking lot sale on Saturday, May | to go on a raise Monies. Sorry to see you go Marnie Llewellyn-Thomas from Woodland Park Shell is on her way to Kitimat for an 18 month stay, Good luck Marnie Club pack growing Castlegar Foods reports that they have a Club Pack section which has larger than normal and institutional sized cereals, juices, condiments and other items. Prices are very competi tive On display Kalawsky Pontiac GMC has donated part of their show room space to the West Koote- nay Camera Club for a pre- view of the photographs which will be part of the 3rd annual Juried Photo Salon at Silver City Days. Sorry to see you go Castlegar Electrolux will be closing on April 30 and San- dra would like to extend a thank you to all her loyal Castlegar-and area customers. She is still available for deliv- ery service and will accept collect calls at 355-2477 Sign of the times Tri City Sash and Door has their new awning installed at their new location on 6 th Ave AtoZ 24 Hour Video, located in the MidTown Plaza in Castlegar has decided to alphabetize their video rental titles to make it easier for their cus tomers to find them On the move Hilltop Dog Grooming has expanded and moved into larg er quarters at the Hilltop Ser vice Station located on Hwy. 3 on the road to Grand Forks They have also expanded their selection of domestic and exotic pet foods and supplies Personal loans...without clear terms a recipe for disaster Someone in the family wapts 0 borrow money from you—or you want to borrow from a family member. Assuming you both feel comfortable with the idea and amount, what's.the next step? While a verbal arrangement might be the easiest, you should definitely put something down in writing so there will be no misun- derstandings: "Oh I thought it was a gift,” or, “I didn't realize you expected re gular sponge payments with intere “Our marriage has broken down: my ex“spouse ys the money you gave us wa gift and plans to keep half.” Said Peter Brown, of Peter W. Brown law office, chairperson of the Vancouver family law sec- tion, B.C. branch of the Canadian Bar Association: "You must be businesslike, and- treat the arrangement like the financial transaction it is. Don’t think, ‘Whatever happened to love and friendship?” “Problems always arise when you mix emotion and business The worst things I hear are, ‘I trusted him,’ or ‘I didn't think it would end this way.’ These problems are caused by false assumptions or lack of communi- cation. ‘Make the terms clear. Be bold about it. Sure, that calls for courage. And if you are doing the lending and your adult child thinks, ‘Miserly old fool,’ then so be it, But if the individual is a person of character, he or she should respect your thinking.” You need to be aware of the various family’ law aspects. Let's Say you.lend money to yoyx adult child but have nothing in writing Your child’s marriage breaks down and the ex-spouse could easily end up with half your money. “So either make it a gift or make it a loan, and if it’s a loan have something in writing like a promissory note,” Brown said. “Even if you lend money to your son or daughter and secure the loan with a lien on a car or a mortgage on the home, you could have problems. If the marriage breaks up and the spouse didn’t know about or agree-to the loan the spouse could make it difficult for you to seize and sell the car or foreclose onthe house A possible first step if you are involved with a family loan-is-to Mike Grenby Syndicated Columnist go to your financial institution to ask what would be involved if the loan were taken out from that institution. Perhaps you can get a copy of the promissory note or other documentation involved With that information, you can then decide on your own arrange- ment. At the very least, you should have a promissory note with the following information Amount of the loan. Date(s) and terms of repay- ment For example, a loan for higher education could require repay ment over 10 years to start one vear after graduation or after get ting a job but no later than Jan 01,1998. With a home loan there could be regular_monthly payments over 10 or 15 years, or only on sale of the home. Extra payments or full repayment could be made at any. time penalty involve any payments,.but would the borrower be able to pay back the money when the comes? The interest rate. For example, you could choose a particular financial insti tution's one-year (three-year or five-year) closed mortgage rate, or the one-year (or other term) non-redeemable GIC rate. Or the loan could be interest-free for a certain period. Collateral The larger the amount, the more likely the lender will want some security beyond a promis sory note Other conditions without A demand loan wouldn't demand ance on the borrower, forgiveness of all or part of the loan during the lender's life or at death, and so on. “You must look ahead,"" Brown said, “you might be flush now and be prepared to give rather than lend the money, or to lend the money without asking for repayment. But what happens if you need the money in a year or two? Even if you make a loan, would the child then be! forced to sell the home to pay you back?” Consult a lawyer if a large amount of money is involved or if it's a complicated arrangement “If any of those involved are at a disadvantage because of lack of business or financial knowledge, fen each party sheuld get inde- pendent legal advice,” said Brown Mike Grenby is a Vancouver- based columnist and independent financial adviser who works with individuals; he will answer your questions as space allows—write to him c/o The Castlegar Sun x These could include life insur- Proposed changes in U.I.C. need modifications yrsroowowenxar Dr. Michael Watker Submitted I was asked, recently, to testify before a special Parliamentary Committee of the House of Com- mons, which was considering the proposed changes to the Unem- ployment Insurance program. The changes proposed include a reduction in the overall benefit rate, and the introduction of a new provision, which would make, ineligible, those who quit their jobs without due cause due cause includes harassment, personal danger, etc I pointed out to the Committee that there were flaws in the pro- in that they would be unlikely to accomplish their stated objectives or would do less well than other, possible changes. Which I suggested. My proposals were to limit access to the U.L. program according to the family: income of the recipients, by taxing back benefits received in excess of a certain family posed changes income level, and also introduc- ing experience rating. The first proposal could be easily implemented by simply broadening the current claw-back provision. That provision taxes back UI. benefits with a special surtax of 30 per cent on benefits received over an income of $61,200. My proposal to the Committee was that they apply the claw-back to family income, rather than to personal income This single provision would reduce the total cost of unem- ployment insurance by billions of dollars and make it more equi- table. At the moment, more than half of all the U.L benefits paid ($10.154 billion), go to persons who are members of families whose total income is above the national average income of $54,000, The second provision proposed by the government is that those who quit their jobs, no longer be eligible for benefits under the U.I. program. While I agreed that this was a desirable change, I pointed out to the Committee that this change was unlikely to accomplish what they’ desired to accomplish. Employers, who often collaborate with the employees in the bouts of unem- ployment, would have no incen- tive to assist the worker onto U.L by laying them off, rather than letting them quit, periodically, as is the current practice. Under these circumstances, one would predict that layoffs will increase somewhat as ‘quit’ will fall with very little impact on the total cest of the U.L program. How can this problem be solved? The along with many of the other problems associated with the UT program, will only be solved when the program is “experience rated'—in other words, when true insurance principles are intro duced into the program. At the moment, an employer who has no expericnce with unemployment who never lays off workers— answer is that it pays the same premium as those employers who regularly lay off their employees. High risk employers pay the same as low risk employers. As has been pointed out by Professor Jonathan Kesselman, in a complete study of experience rating for the Cana- dian Tax Foundation, this has several nasty side effects. One is that stable employment, like retail trade, subsidizes unem- ployment benefits for seasonal workers in construction, fishing, and forestry. The transfers between these two sorts of indus- tries are in the billions of dollars The second nasty part of this pro- c is that the foregoing transfer is also from workers with rela- tively low wages, to those with relatively high wages. For both these reasons, and to give employers a reason not to lay off their workers, the U.I. pro- gram should follow the lead of Workers Compensation pro ~ Mon. 6 pm - Tues. 9 am. * "ONE TO OTTAWA" CAR VAN Mon. 7:30 pm - Tues. 10:30 am * USCC YOUTH FESTIVAL (PART 3 OF 4) Wed. 6:30 pm - Thurs. 9 am = Sun. 6:30 pm * WEST KOOTENAY TODAY Wed. 7 pm - Thurs. 9:30 am - Sun. 7 pm * CANADA'S 125TH CELEBRATION CAMP Schedule for April 2¢ 26 - May Wed. 7:30 pm - Thurs. 10 am - Sun. 7:30 pm + FROM CJAT TO KBS, 44 YEARS OF SERVICE Wed. 9 pm - Thurs. 11:30 am - Sun. 9 pm * 1993 OLDTIME FIDDLERS Thurs. 6:30 pm - Fri. 9 am * CITIZENSHIP CEREMONIES Thurs. 6 pm - Fri. 10:30 am * TRAIL CITY COUNCIL layoffs and organize their activi- grams in most Canadian provinces and charge high risk employers more than low risk employers. The experience rat- ing in Workers Compensation is thought to reduce the amount of injury in industry, because it gives employers a financial incentive to ensure that the workplace is safe, and that the issue of safety is constantly support the changes themselves if they are the only ones possi ble, I think the modifications we have proposed would deal with the problems more effectively than the changes being suggest ed by the federal government What do you think? ual Photo Salon siner reity | Days Weekend “’ competition open to all photographers* For entry forms and information CASTLEGAR Vogue Studio * Driftwoods Framing NELSON Vogue Studio * Horizon Photo TRAIL Camera Crafts * Brothers Studio * Kootenay Cameras For additional Information Castlegar. Chris/Ross 365-2696 Ken/Teri 365-5473 Trail: Maureen 367-9351 brought to workers’ attention Similarly, experience rating in unemployment insurance would give employers a reason to avoid, Nies to avoid seasonal peaks to the extent possible. It might also render some activities impracti cal While | support the objectives yes to the wtually, would of the proposed char U.1. system and Free Home Estimates SPECIALISTS IN + RESIDENTIAL & COMMERCIAL CARPETS + + LINOLEUMS * WINDOWS COVERINGS + HARDWOODS & + CERAMIC TILE + Largest Selection of in-stock lino & carpets in the Kootenays! 4370 MINTO RD., CASTLEGAR (INDUSTRIAL PARK) 365- 2265 Diamond Glass Red Bigfoot Clearance Leduc, Alta. Edmonton, Alt Morrison's Painting & » | Uy The Gxetidgar Sun is Dell's Roofing Clairmont, Alta. Heinmann Masonry, Armstrong, B.C. Martech Electrical Systems, Castlegar, B.C. Amalgamated Air Conditioning, PDQ Mechanical Edmonton, Alta. Trainor Mechanical, Nelson, B.C. Castlegar, B.C. Kootenay Acoustics, Kelowna, B.C. Geinger Contracting, Castlegar, B.C. Pineridge Paving, Nelson, B.C. Gable Contracting, Kamloops, B.C. Arrow Building, Castlegar, B.C. Mitchell's Building Supplies, Castlegar, B.C. MET MART Grand Opening Wednesday, May 5 Congrats to the Mi ET MAR their contractors & suppliers: Developer & General Contractor: Rick Holdings Ltd, Medicine Hat Alta. Architect: Newmark Architects, Winnipeg, Man. Engineer: Kucera Engineering, Golden, B.C. Deer, Alta. Centre, a. Insulation, "The Weekly Newspaper With A Daily Commitment" West Kootenay Concrete, Castlegar, B.C. Trowelex Equipment, Rentals & Sales, Castlegar, B.C. Castlegar Machine & Chrome, Castlegar, B.C. Skyreach Equipment Ltd., Castlegar, B.C. Sterling Crane Ltd, Kamloops, B.C. V&G Cranes, Slocan Park Kabatoff's Sand & Gravel, Castlegar, B.C. Kurt's Iron Works, Medicine Hat, Alta. Salmon Arm Tress Systems Ltd., Western Archrib, Edmonton, Alta. Waco Western Hardware Ltd., Shanahans Ltd., Kelowna, B.C. Lethbridge Concrete Products, Lethbridge, Alta Salmon Arm Calgary, Alta.