c2 Castlégar News November 15, 1989 D. BAR- D DINING LOUNGE OPEN 4 P.M, TUES. THRU SUN. — CLOSED MONDAY — AIR CONDITIONED RESERVATION: WESTAR & COMINCO FOR PRIVATE! pannies VOUCHERS ACCEPTED 365-3: Located | Mile South of Weigh Scale in Gomeshanin —LICENCED DINING ROOM— 365-3294 NEW PONTIAC GRAND AM LE By MARL Dual Overhead Cam, 16 Valve Engine. Trans., Air Conditioning Leather Wrapped Steering Wheel Full Guages. FM Cassette stereo AM. Intermittent wipers Visor vanity mirror All season radial tires Stk. No. 3-3073-0 Was $19,698. Now only ........ INCLUDES FREIGHT & P.D.1. ies mn: :: We, ~ WSIXY | PONTIAC BUICK GMC (1989) LTD. 1700 Columbie Ave Costleger DI, 8917 365-2155 Collect children into the swim of things early in life, and that may include enrolling them in aquatic programs before they cancrawl. But before parents register thei babies and toddlers for indoor swim lessons, they should have realistic ex pectations about what such programs can accomplish, say experts. In general, children under four years old aren’t physically developed enough to learn to swim ‘tin the traditional sense,’’ says Carol Randall of Ottawa, a spokesman for the water safety branch of the Canadian Red Cross Society which certifies swim in structors. To expect a child to grasp swim ming at that early an age is unrealistic."” Water play and orientation should be the main goals of aquatics programs for preschoolers accompanied by parents, Randall said in a telephone in terview ‘Such water programs can also im prove children’s motor skills and physical fitness and build self confidence, says Michael Shiner, who runs Mike-Quatics Swim School in Toronto. HAPPY IN WINTER Exposing children as young as four months to pool programs can ‘‘give them a positive preschool experience that opens up their whole life to happy experiences in the water,”’ Shiner says “When they get stronger physically, they can get into actual swimmi usually about age four but sometimes earlier."" In an 11-week program that’ costs $110, Mike-Quatics instructors — cer- tified by the Red Cross and Royal Life Saving Society — guide parents and their youngsters through lessons and activities involving toys and a water slide in a warm pool There is usually one instructor for three children and their parents because ‘‘it’s important for the kids to get the attention they need to progress at their own rate.’’ For most children with disabilities, Shiner arranges one- on-one instruction at the same price. Although children don’t usually develop fear of the water until about 10 months, getting their faces wet and putting them under water should be er recommends “One split-second bad experience can create a huge wall of fear," Shiner warns, adding that parents can play a big role in allaying fears of the water “‘Ifachild is afraid of having his face in the water, it could stem from the parent always wiping the water off his face when he’s taking a bath. The child gets the idea it’s not good to have his face wet.’* Shiner agrees with the Red Cross recommendation that parents be in the Aquatic programs for toddlers should be fun, experts say E HABIB The Canadian Press Enthusiastic parents often get their pool with children up to at least age fouratall times. for their children’s safety,” says. ‘It doesn’t matter how used to the water they get, children under about age four can’t really be water safe because they just-don’t have the strength yet. But there is a misconcep- tion by some parents that because children take swim lessons, that they can’t be in danger.” “Swim lessons shouldn't be the first experience of kids being separated from their parents,”’ Shiner adds. ‘‘It just causes anxiety. When the kids are with their parents, they can concen- trate on having fun rather than ‘where's Mommie?’ ** PICKING PROGRAM Some recommendations from Ran- dall on choosing an appropriate swim program for youngsters: © Look for programs taught by cer- tified instructors who understand the physiological, psychological and social needs of youhg children. © The pool should be warm because young children have little body fat and can’t relax ina cold pool. © Theenvironment should be orien- ted to play, not swim instruction. * Be especially cautious about un- derwater activities — the use of ear- plugs may be needed — if your child tends to get €ar infections. sy November 15,1989 Castlegar News cs Financial Times predicts Canada headed for trouble LONDON (CP) — nada is concluded, Canada remains a headed for i and enviable place to live may face a crisis next year, the respected Financial Times of London has predicted. The government of Prime Minister Brian Mulroney is also losing respect ‘on—the~international stage while regional disparities are growing, the newspaper added in an eight-page news supplement devoted solely to despi it iate problems. “As Canadians dust off their hockey skates and dip into their exten- sive winter wardrobes, on a number of counts immediate (economic) prospec- ts are looking less rosy than for seven or eight years,”” the paper said in the supplements main article. The staid business-oriented daily The worst is the ‘‘inexorable escalation of debt at every level of society’’ which has led the federal government to introduc€ “an un- savory string of revenue enhancement and expenditure reduction measures which will culminate with the introduc- tion of a federal sales tax in January 1991,"" The levy referred to is the proposed Canadian issues. But all is not doom and gloom, it troublespots. identified what it sees as several major goods-and-services tax, set at nine per cent. Canada’s federal debt was $320.9 billion in March and is forecast to hit $351.4 billion in the current fiscal year “These measures have begun to bite just as an economic slowdown, which threatens to end an impressive seven: year run of uninterrupted growth, is taking hold “The slowdown is the legacy of the high interest rates on which the Bank of Canada is relying to tame in flation,”’ it adds Bank governor John Crow “is a much-maligned figure in the fisheries of Newfoundland and the farmyards of Saskatchewan because the methods RRSPs Access By SUSAN YELLIN The Canadian Press You've scrimped and saved to put money into a tax-sheltered registered retirement savings plan every year. Now there’s a chance for a good deal on a house. 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If you are looking for a quality used vehicle — now is the time to act! 100% Financing may be difficult tgage is to cash in those RRSP invest- ments, many of which may not have reached maturity Financial experts say taking money out of an RRSP can be difficult and expensive, with Revenue Canada one of your biggest enemies And certain types of RRSP invest ments are almost impossible to cash — even if you're ready for atax penalty “If the money is locked away in a term deposit or guaranteed investment certificate . . . in many cases, the Only way you can prematurely cash it is to die," says Brian Costello, author of Your Monéyand How to Keep It Only on rare occasions will an in- vestment company or bank be willing to let go of the GIC, even if you pay thema penalty, Costello says ASK FIRST He suggests first contacting the company operating the RRSP and ask if it is possible to unlock the funds and at what cost “*You may be in at a high rate, so they might be quite happy to let you off the hook,”” he says. “But if you have a term deposit that’s locked away’at a rate which is lower than today’s rate, then they probably won't let you out.” That's because banks and other financial institutions put money from locked-in RRSPs into mortgages and other loans. They aren’t keen on having people cash out before the plans reach maturity, because that for ces the institution to look elsewhere to make up those funds. One slim hope is to sell the certificate through a broker, but that|can only be done if the GIC is transferrable, says author and broadcaster Gordon Pape “Usually what will happen is that the broker will buy it from you at a discounted price and sell it on the secondary market. Most people don’t know you can do that, but you can.”" If the RRSP contains mutual or mortgage funds, cashing in can be simple since they are not term invest- ments. CONSIDER TAXES But even if it’s simple to cash a par- ticular RRSP, it’s important to con- sider how much of that hard-saved money will wind up in the hands of Revenue Canada. RRSPs are designed to encourage Canadians to save for retirement. So the principal paid and the interest that accumulates in the investment are tax- free. But any money taken out is con- sidered income and is taxable. Nor- mally, this happens in retirement when total income is lower and the tax bite is correspondingly lower. If you cash an RRSP Recycle continued from C They foresee a need to keep establishing new dum- Pps, especially sites serving entire regions, and the building of more incinerators Federal officials say the proportion of the garbage to go up in_ smoke from -incinerators-could-rise- bythe year 2000 to 25 per cent from 10 per cent. The United States now has 149 incinerators; 227 are expected to be on line in 1992 OPPOSES INCINERATORS Incinerators are opposed by environmentalists who are concerned over air pollution and the problem: of disposing of toxic ash. Former EPA administrator William Ruckelshaus, chief executive of Browning-Ferris Industries, a solid. waste rfianagement company, believes the garbage crisis demands an integrated solution of recycling, burying and burning. In an interview, he said Americans have thwarted this approach by blocking new dumps and incinerators. “The idea that we are out of space is ridiculous. EPA needs to encourage states to adopt integrated energy plans,”" he said Americans bury about 80 per cent of their waste, burn 10 per cent and recycle the remainder. The EPA predicts recycling will jump to 25 per cent by 1992. Some states, such as Massachusetts, have set a SO per cent recycling goal by the year 2000. That would mean widespread recovery of food and yard waste, which amounts to 23 per cent of what is buried indumps. he is to wring inflation out of the booming southern Ontario economy are wildly inappropriate for the sedater margins of the outlying regions.” The Financial Times also says the Mulroney government has lost much of Canada’s former reputation as a solid performer in international affairs because it was “manifestly slow’ to Ten—states—require 4o—establist recycling programs, and New York city has embarked ona phased-in mandatory recycling program In Seattle, where the city’s last dump closed three years ago, residents pay $13.75 a month per garbage can for curbside pickup. In one neighborhood, the city is experimenting with weighing. individual households’ garbage. Garbagemen enter weight into a truck-board computer, and the bill is sent later Seattle's recycling is free. Residents there separate newspapers, junk mail, aluminum, grass clippings and even old latex paint Said Ginny Stevenson, spokesman for the city’s recycling program:.‘*The pocketbook was probably the biggest instigator for people to get involved in recycling.”” As if to herald the -recycling decade, a new magazine on solid-waste management has arrived on the scene just in time for the 1990s. It’s called simply Gar bage It’sprinted on recycled paper Energy continued from C1 cartel, which teetered on the brink of extinction in the mid-1980s but now seems poised for a comeback. The Organization of Petroleum Exporting Coun- tries engneered one of history's greatest transfers of wealth when it jacked up oil prices after the 1973-74 Arab embargo against the United States and again in 1979 when oil buyers reacted with panic to a shutoff of Iranian oil output DISCREDITS PREDICTIONS Almost no one in the West had foreseen those even- ts, nor did many expect the crises to create an energy conservation ‘‘chic”’ that would quickly discredit the mid-1970s predictions that oil would shoot up to $100 USa barrel. After peaking at $40 a barrel in 1980, oil’s price fell steadily, capped by a stunning — and largely unforeseen — collapse in1986 to below $10 US a barrel. Although energy developments of the past decade were largely a reaction to the oil price pain of the '70s, trends in the coming 10 years are likely to be determined by still-emerging responses to the price declines of the "80s. The key uncertainties: — Will the U.S.’s rapidly growing dependence on foreign oil undermine its security? — Will oil imports rise so rapidly as to give OPEC renewed power to dictate prices? — And, if prices stay low, will efforts to develop alternative energy sources be abandoned? Will that, in the longer run, make the United States even more beholden to OPEC? recognize the —swee; ature—of changes hitting the Soviet bloc; has been ‘‘deafeningly silent’ on Latin American debt; was “ in A TERRIFIC LOOK! e VERTICAL BLINDS e VENETIAN BLINDS e PLEATED SHADES 3 Soi Order Now for Guaranteed Delivery Before Christmas” —Furniture- Warehouse Floor Covering Centre 0 decisive’ on the Chinese government's crackdown this summer democracy demonstrators; lost the initiative on opposing apar theid in South Africa. “Many ascribe this apparent dearth of initiative to the country’s in- creasingly binding ties to its powerful southern neighbor.” ——_ _Genelle Phone 693-2227 OPEN 9:30 A.M. TO 5:30 P.M. 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In Quebe¢ the withholding rate is slightly higher And when income tax time comes, you may find that additional tax is owed on the cashed RRSP if the money from the RRSP pushes you into a higher tax bracket, Another approach is to try to take out aloan against an RRSP. **(But) you walk into any bank or trust company and say: I want to borrow against my RRSP, 99.9 per cent of them will say it’s not allowed,” Kaszel says “It’s technically permissible, but it’s strongly discouraged by banks and trust companies,”* This Weekend Offer expires pices Dec. 31/89 Perfect for a heel-kicking happening f indoor swimming, exercise facilities and a‘tempt- ing choice of dining and nightlife. Conveniently located near shopping and attractions. - uring @) Attic Insulation Insulating between the rafters is agood way to prevent heat escaping upwards and wasting your electricity dollars. (2) Power Sensible Windows Up to a third of the heat you pay for can “go out of the window’. 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