‘ . BUSINESS Plan retirement early - advisor The Castle Sun WEDNESDAY TRENT BANCARZ Sun Editor It's never too early to start planning for retire- ment, says a chartered financial consultant “We tell people to start now. There's no time like the present,” said Stevé Campbell “It’s the old rule of thumb that you pay your- self first. We recommend people put 10 per cent: aside to build up their net worth. If you have enough money saved, you had started saving for retirement when they were younger. It's important to put some aside now, no matter what amount it is so you can receive the 'benefit of compounding interest.” But it’s not hopeless for people who started late, Campbell says a lot of financial vehicles exist which provide relatively good yields without unacceptable risk levels. “We can do a lot for the 50-year-old who's just getting started,” he said. “You have to can happen if you do this. I think people are a little wiser now and realize they don't need two microwaves or two VCRs anymore. “A majority people are willing to listen to advice and put some plans into action,” Once assets and estates are built up, people also need to protect them, added Campbell. He said $1 trillion in assets will be transferred to the next generation and governments are look- ing for ways to get a piece of the pie. He added 20 to 70 per cent of an estate have some security.” Campbell was in town last week for a pair of Money Concepts semi- estate preservation. Campbell has beeri in: the. finan- cial planning field for 17 years and Says people's attitudes are changing about retirement. He said more and ‘We tell people to start now. There's no time nars on retirement enhancement and ike the present. It's the old rule of thumb to pay yourself first.’ — STEVE CAMPBELL Financial Advisor can be lost in settlement costs. “(Taxes and fees) tend to get worse as time goes on,” said Camp- bell. “And these show up in differ- ent forms. Probates, which are another form of taxation, keep increasing and I'm sure we're going to see a new estate tax, “We try to show people how to more people realize the Canada Pension Plan and other government Programs won't be enough in the future. “The 4 gradually changing and people know they cannot rely on the govern- ment to look after them,” said Campbell. “I believe CPP will be around, but not as it’s known today. It’s still not going to be enough and we're going to have to take responsibility for ourselves. “I talk to,a lot of people who are in mid-life and beyond and they all tell you they wish they look at the risk profile and the feelings of the investor. What we try to do is help them accu- mulate some assets. It's a better position than giving up.” Campbell also suggests people have little or no debt by the time they retire. He said life insurance premiums should be gone, mort- gages paid up and no major loans should be outstanding. “But the key is to save money first and live within your means,” he said. “Exciting things solve these problems with creative new approaches. We try to take advantage of Thought for the week To stay the course... sometimes you have to make waves. Paving paradise Kat’s Mini-storage on 6th Avenue has paved their courtyard and finished pouring concrete at the back. Karen Hughes reports that most of their mini storage units are full. Cellular service New colors The new trim on the Castlegar Muffler building is now red. ‘The two new car washes are set to open soon there. Looking for a Christmas party? If your business is a small one and you want to have a big legal tax saving vehicles. Proper i planning can look after a lot of it. We look for the most cost-effective way to protect the estate.” Campbell said his company targets average, middle-income people and added one does not have to be wealthy to enjoy tax advantages. “Wealth preservation is the most important issue today,” he said. “People now need to work with an advisor more than ever.” are being accepted for the yearly REWEWBER OUR KIDS AA CHRISTMAS YOUR COMMUNITY-MINDED DONATION OF NON-PERISHABLE FOOD ITEMS FAMILY CHRISTMAS HAMPER FUND Donations from individuals & community groups will be accepted until Saturday, December 9th FOR HAMPER - DEADUNE LEGION HAMPER RECIPIENTS ARE - SINGLE FAMILIES WITH CHILDREN SALVATION ARMY RECIPIENTS ARE - SINGLE MEN & WOMEN WHEN THESE PARTICIPATING GROUPS CALL ON YOU - PLEASE RESPOND GENEROUSLY Castiegar Firefighters Association Tarrys Fire Department Ootischenia Fire Department Donate how you wish — but please donate Vintage Car Club of Canada - Castiegar Chapter DUE TO HEALTH REGULATIONS - NO HOME CANNING ACCEPTED This ad sponsored in part by Graphic Solutions “Supporting & Growing With Our Community’ One Block At A Time - Mike Laren of Brikcon Con- struction puts a cement block in place on the new Fourth Street Plaza building. SUN STAFF PHOTO Trent Banca Chri: party, then the Lions Club has a great idea. Friday, Dec. 15 at the Sandman Inn they are having a no-host Christmas party for businesses who would like to have more than themselves at a party. The cost if $35 per couple ($17.50 single) and it includes a buffet, dance and a Chinese auction. Call Rose- mary Barley at 365-2166 (Remax) for information and tickets and an explanation of a Chinese auction! Hurry, only 150 tickets are available. Proceeds from the auction go to Pass Creek Park. Take five Credit Union members who have a Credit Union Mastercard can now use that card to purchase air travel or package travel through Canadian Travel Co-op and receive a 5 per cent rebate. Details available at the local credit unions. New faces Marie Orr of Welcome Wagon that between mid Octo- ber and mid-November she visited 32 families who are new to Castlegar. Folks from such exotic provinces as Alberta (Edmonton, Calgary, Leduc), Ontario and Manitoba as well as folks from Pentic- ton, Vancouver, Prince Rupert, Grand Forks, Nelson, Kelowna, Yahk, Victoria, Nakusp, Fruitvale, Cranbrook, Salmon Arm, Winlaw, Prince George and Revelstoke now call Castlegar home. Welcome! Boxed If you're looking for boxes to mail Christmas parcels, then Canada Post has a great idea. They have a display set up in the downtown post office to sell good quality boxes (in a variety of sizes), parceling material, t-shirts and Canadian mint coin sets. Appointed Mr. Taj Kassam has been p d from Vice-presi to President and Chief Operating Officer of the Sandman Hotels & Inns Ltd. Local Sandman manager Bob Reisen is pleased about the appointment. Think golf No, not snow golf, regular golf!. The BC Lung Association’s Golf Privilege Club membership is now available for only $25. plus tax and offers free rounds or reduced green fees at 127 courses in B.C., 119 in Alberta and 500 in eleven western states. More informa- tion is available from the BC Lung Association in Vancouver. Home jon has been chal- Jenged by CMHC and Natural Resources Canada to select project teams from five different regions of the country to demonstrate energy-efficient renovations projects. With almost $20 billion pro- jected to be spent on home improvements next year, these demon- stration projects will show how to piggyback energy efficiency onto renovations and reduce heating costs. Competition details will be provided to local home builders’ associations shortly and pro- posals are due Jan. 19, 1996. Home renovations competition The C s’ A Moonlight Madness Make sure you're in Castlegar on Friday Dec. 1 for Castlegar’s 3rd &nnual Moonlight M: h in the C: ird Plaza, Columbia Plaza and 4 Casth will be open late for your A Kootenay Christmas Story | _301.- 11th Ave, (Tulips Building) (saw the bright ght and wondered what was... Budding writers ages 10 and up are invited. to write a story, up to 250 words, starting with “I saw the bright light and wondered what it was...” and finishing with “Thank goodness for friends...” Please submit your stories to: The Castiegar Sun 465 Columbia Avenue Castlegar, BC VIN 1G8 by Wednesday, December 13, 1995 and they will appear in our December 20 issue. the Great Prizes. Watch for more details! HERE TO HELP For more than a decade we've been helping people get what they deserve Sound financial advice and a better return on their money. Our philosophy is quite simple: We don't just provide you with financial products. We design a complete Financial plan that takes into account your future as well as you present @ plan that reflects your individual needs and goals. Giving clients this something extra is way we've always worked. And we'd be pleased to work as hard for you. “advice you can trust” Burt OZ The Castigga 7S Sun Thank. poodness for friends. . The weekly with a daily Campbell EN CREers ‘Wayne Miller + Bill Wenman + Burt Campbell 365-4980 + 1-800-897-0807 City Centre Square. Castlegar Ch hopping. Watch the 26 issue of the West Kootenay Advertiser for details. Facade improvement As part of downtown revii ‘ion, Streetfront Graphics has applied for a facade improvement to the house at 1124 4th Ave. (beside Horizon Computers) and the design review committee has approved it. Renovations include a new front entrance and parking for both a ial store and a resi 1996 Calendar If you're looking for a business gift to give to your clients or i ider the 1996 C; Hi Cc lity Cal- endar. With heritage photos inside and a full colour heritage photo on the outside, the cal are avai at the Rai N d Castlegar (open to S: y 9 to 5) or the Chamber of Commerce office on 6th Ave. And, they're only $5.00 with all proceeds going to the Heritage Society. Get yours soon! Christmas windows If your business is decorating a window for the Chamber’s Window decorating contest, please be sure to phone Marcia at the Chamber and register your business. The judges will be looking at the windows on Dec. 1 so hurry! Save money on Mastercard! If your business is a member of the Chamber of Commerce then make sure you get your Visa and M: preferred packages. Businesses save big on the service charges by participat- ing through the Chamber. Supporting youth The regional youth forum. one of only three to be held in the Province will be held in Castlegar early in the new year. One of the goals to foster the ity’s i including the b community, to support the development of its youth through local recreational programs and activities. More information will be be available early in the new year and all business people are encour- aged to attend the forum. Wednesday, November 29, 1 995 The Castlegar Sun Page B3 Students get real world experience wn fo ra ee ee Work World - Monique Porter, right, is put through the paces by Castlegar Sun production manage Moyer. Porter was part of the local work experience program. SUN STAFF PHOTO /Karen Kerkhoft KAREN KERKHOFF Sun Staff Q The new Classroom to Work program places secondary stu- dents into local busi- nesses to get a taste of what the work world is really like. : Residents might notice a few new faces in area businesses. In total, there are 93 “helpers” in businesses such as the Castle- gar Chamber of Commerce, The Castlegar Sun and Kootenay Airways. The “helpers” are Grade 11 and 12 students from the Castle- gar School District who are par- ticipating in the Classroom to Career work experience program, recently been mandated by the Ministry of Education. Career education coordinator Verna Chernoff said students must participate in the 30-hour program in order to graduate. “This is definitely the time for it.” Businesses, she said, have been overwhelmingly supportive of the program. “The business community have participated 100 per cent. Not one has said no.” But it’s not just local business- es which are hosting the students. Children belong in Heaven ON THE ROCK MINISTRIES For The Sun said Jesus looks like love. Glory emanates from Him. He told how the little kids sang around Jesus Jesse said children and babies who had died or were aborted were there in heaven. Bible heroes and talked with angels. the throne of God where God's presence was so awesome, powerful and full of glory he couldn't see more than the lower part of His body. Out of this massive energy of light, love and power comes Jesus. It is like they are one, but they are two. Jesus comes out in human form...something we can touch, someone we can relate to. “He is in the Father and the Father and how He rejoiced with them. I find that so com- before they had a chance to live their lives here. Next week: More About Heaven and children. He met many He got to see forting when thinking of little ones who have died One Stanley Humphries Sec- ondary School student, Crystal Pipke, will be travelling to Edmonton in December to help out at the Dolphin tank at the Edmonton Mall. Another student, said Chernoff, was flying to Trail courtesy of Kootenay Airways, another supporter of the program. Chernoff said students will be evaluated by teachers and employers and will also have to perform written assignments relating to their placement “This is serious stuff.” She said she firmly believes the program is an asset students will carry with them throughout their adult years — adult years which will be markedly different from their predecessors, the Baby Boomers. “They will have very different occupations and will no longer sit in one job for a long time. In their lifetimes, they may experi- ence eight to 10 jobs in order to make a living,” she explained. But Chernoff stressed that before students are placed in the work setting, they must exhibit specific qualities in the school. “Their attendance and disci- pline must be appropriate. That's the criteria before I put them out in the community.” It’s hoped that while in the workplace, students will prepare for the transition from school jo work, utilize the skills and knowl- edge they've learned in school. GROUP STRESS REDUCTION First Saturday Morning of Every Month Starts Saturday, Jan. 6 511 Front Street, Nelson (604) 354-1700 [fax] 354-1666 Out of town call; 1-800-932-1414 Printing & Bindery ligh Volume Copying ypeseying Deadline for submitted copy: ” 4:30 p.m. Thursdays is in Him.” He IGH 100% B.C. OWNED & OPERATED CARPETING SALE continues Fresh e Grade A or Utility FRYING CHICKEN “2.18 kg. * 3/bag * Limit 1 bag/customer 99" Thawed for your convenience PORK SIDE SPARERIBS Whole breast » Family pack + 3.29 kg. 544 Fresh LEAN GROUND BEEF 2.84 $4 pack « Limit in effect Ea. Fresh Baked FRENCH BREAD 450 g. $119 Fletchers Jumbo SUMMER SAUSAGE Per 100 g. pe dl 300g. * Reg. * Fine * Extra Fine 28 Washington Grown BRAEBURN APPLES or GRANNY SMITH APPLES « 1.94 kg. 88! California Grown CELERY HEARTS Fresh $1 49 Niagara ORANGE JUICE 341 ml. 68° Our Compliments SOFT DRINKS Assorted ¢ 2 Litre Our Compliments COOKIES Assorted varieties + 400-450 g. Campbells TOMATO SOUP 10 oz. We Offer... 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