“poid opie3 129d Of psoy WI0ly a8nsoy ‘Biod Ur ureq ® paqqor OYA |*UOS gong Ha i “kpsopout 0} [fem 2y) UO spray Hayy Skes sOWDe pjo-Teah-Zz| 24 dung 08 Sunse porpnis 2aaBy yey) 2dood asoy} 205 “uosuyor a «UBD | Se poas se qyfu sey woseyor Usg Aed ued uryy “ajqusay Buryyuios § fay) ji ‘MON “9U29S B OP jo BuoU Ing,, “(96D ..PUNg PEA Sursos9qut “shes oy ,, "PWOYRTIO yoeq 46 yues ie eooeotee: Hin Hif tf iG br MURRAY OXBY of “of $11, 500 or 18 per cent of earned income. Earned ¢ “But in many cases they'll find their ‘The Canadian Press income includes employment earnings and other contribution limit has been reduced.” ‘Fhose popular piggy banks known as registered income, such as rent and alimony. In general, the better the pension plan, the less ve tarongimemade peop oy = thy The reduction to 18 per cent Free means that can be put into an RRSP. However, Revenue the law, those in pension plans can put a total of Tred orate who sell table te i that people earning less than $41, ll see their Canada is allowing most people with a defined- $5,500 into an RRSP = no matter what their limit’ ew rules. contribution limit fall below $7,500. benefit pension plan — in which benefits are usually without being penalized. Only the amount up to their But others will find an RRSP less attractive For who are met of F defined by the member's salary and years of service maximum can be deducted from income, but the because the maximum they can contribute, and the pension plans, the calculation is more complicated. — to contribute at least $1,000 to their RRSP. extra money earns interest tax-free inside their size of their tax break, will be reduced. For 1990, the limit is the lesser of 20 per cent of Starting with 1991, taxpayers’ contribution limits RRSPs, The changes in contribution limits, which take earned income or $3,500 — minus any personal | will be based’on their income the previous year. Starting with the 1991 tax year, excess effect for the 1991 tax year (for which tax returns are contributions to the pension plan. So, anyone with To help deal with the confusion, Revenue contributions to an RRSP are penalized only when filed in 1992), are supposed to help mainly those an earned income greater than $17,500 will be limited Canada says it is mailing most taxpayers a statement they exceed a cumulative lifetime total of $8,000. taxpayers who don’t have a company.pension plan. to.a contribution of $3,500. late this year showing how much they can contribute Not only that, Dewling says, the new rules allow That's more than 60 per cent of the workforce. If you put $2,000, for example, into your to an RRSP. pune oy mtntmitrsnay ciretimntieeastna singe “The rationale is to try to equate the amount of Company Penson Plan, the most you can put into an ‘Tie new rales alot hove somes helptal actions ae saeooas tne pansy spe irae down the tax assistance (received by) an individual who's not in of at nd such as “‘carry-forwards,” in which taxpayers who instances where money can be put into an RRSP an employer-sponsored pension plan with one who For'the 1991 tax year, the limit is 18 per cent of fail to contribute the maximum amount to an RRSP above the contribution limit is,"’ says Alan Dewling, a partner in the personal earned income to a maximum of $11,500, minus your © make an extra contribution any time in the The rules still allow a taxpayer to.put. periodic finance group of Ernst and Young chartered “pension adjustment.” fohowlng novin years. ‘ et , income from a registered pension plan or a deferred Cees The pension adjustment, to be calculated by For instance, if your limit is $2,500 in 1991 and profit-sharing plan into the RRSP of a spouse, to a Contributions made to an RRSP before this employers and shown on workers’ T-4 slips, is meant you put ii only $1,000, you'll be able to contribute maximum of $6,000 a year, until 1994, March 1 can apply to the 1990 tax year. Someone to reflect the benefits each person will receive from $1,500 above your limit in any year until 1998. And certain payments received when someone who is not a member of a registered pension plan can the company pension plan. The provision is useful, Dewling says. But leaves a job, such as compensation for unused sick contribute up to $7,500 or 20 per cent of their earned “‘It can be all over the map depending on the everyone should still try to invest as much as possible leave, can also be put into the RRSP without it being income — whichever is less —.to an RRSP. particular circumstances and the plan an individual is every year, ‘‘because a contribution that’s not made taxed. The amount is limited by the taxpayer's years But for 1991, the maximum becomes the lesser in,” Dewling says. this year isn’t earning any income.’’ with the company. running shoes, wriggle into your using qualified instructors who em- workout gear and get set for a phasized safety and fun, using up-to- physical challenge. date routines designed to suit dif- YES! Castlegar Mazda, as a registrant bonded dealer, Then turn on your television ferent fitness levels. 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S.voRaNY @ 4.S.¥W L4NOO LHOIN @ 0F:2 ‘IHd¥eD 1uOda SS3NISNE AUHOIN @ NOISIAZTAL NO AWHL 00 LNWD NOA @ O arasnias @ iuOgae BITIUS @ NOISIAZ731 NO AHL O0 LNWD NOA @ ona AWWvs @ awnouwN AdO2 OuVH @ *MOHS ASOD @ OFS BULVIHL AS @ > wSIOSLuOES @ 416 3NDS3¥ @ @ 008 MOHS ABSOD @ 0C'9 WWE N, X908 ‘3A71 ONDE ABET @ MON TTUAKSYN @ uivady ANZHUND @ COVE W X08 @ ‘SUIGNODHOVIG @ © wivaav ANWUND @ 3S¥HO ONY x008) @ NOLO NI HONS @ SM3N DNINGAS 3QNVud VT'SNOA V @ SAW G3A70SNN © S¥¥3A BZONOM © SuNOH BF OL ANaWNIVLHaING @ aNLuOs 40 133HM @ ‘SUBONVULS 1933436 @ SOUVHO NI STTEVHO @ wNOL ONIXOS Od @ SM3N Dev @ San @ BO B 009 3K LY NOSTM ANY @ © £8808 3H1 S.OHM @ YUO S.AMUHO NOG @ COUN! NY 40109 @ 3NNLHOS 40 733HM © SUIONVELS 193su3d JOWVHD NI STTHVHD @ SLIVELNOd 43ONVO ONAN TV fitness programs offer convenience By MARLENE HABIB becoming more educated than the The Canadian Press program instructors. Wake up, Canadians! Tie on the **So as a consultant, I suggested<~ 039 ON! Ove TTOMONOLON @ AL 2OW vNualty AoWaNa @ ‘w3SMOH 310000 @ 1HOIN 1S0us 3H 40 1V3H 3H NO GIAVO HLM ONDE @ ONWWLS 3HL ONY 3xvP @ @ 006 ‘SmaN 30Vid axe @ Owuoz @ AHDINOL S1¥OdS @ 38010 4n @ © sao IAaNvs @ © SNIVd ONIMOBD @ 069 AxdvuDOIs @ 48ND LHOIN 133ULS ATUNNH 001 @ WS30S1NOdS @ BW. “38ND O1 3H @ ‘SW23S 1! LVHM ATLOV MON JTHAHSYN @ {awit 11 $1 "MUOs au 38vo HiWaH O WAS 193815 HOUNHD @ wor oxBojoypAsd Bunujoyss NOD3 WEOTD UND @ 4 wamnod 3Ava C sets. knew, I was hired as a host."’ will receive 7% back as a tax credit on all trade The nearest fitness program is Lauz6n said a popular segment of ins. probably just a channel away. the show includes information vES! Castlegar Mazda, as a registrant bonded dealer, will be able to sell used vehicles 7% less than TV fitness shows provide a con- segments ranging from interviews private sales. e 2119 Vd 3M NI 30VSNHO NOIs 3A07 @ xs ANNO NOD3 I¥GOTD UNO @ 1A3T2L LVORUAMOd @ vuvTo @ aw @ AHOINSM3N @ ONIOvE OVEO @ AHOIN S14OdS @ OWNOLYN @ MON ZTUAKSYN @ 2 $M3N © SONMML 40 3UNLYN @ san @@ OSMaNn @ 00:14 HLINS ONY HLIWS BLVOdN LHOINSM3N @ 3NIZYOWW } 3Nizvoww S7ALS3417 NVLLGIBHS @ > OTN @ wSa0siuods @ 4100 NWOWNYD @ ocOL “wnunor @ zz-0b 3903 ONLLLND @ suvMO O34 @ ¢vHvH OINaSHY @ AWOOd ZIGMOHS @ © AMOLSIH NOIS As v wwn2iA © TH OINaSUY @ Caziud 3ML NO $3438 venient way for many to exercise — with medical and sports professionals with no expensive gymnasium fees, — including wheelchair athletes and jogging through snow-filled streets or experts on fitness for seniors — to fighting traffic on bicycles. demonstrations on exercise They're especially useful for techniques. parents or disabled and elderly The concept has proved so ‘suc- people who are confined to their cessful that she has incorporated it homes. into two new videos, Body Moves But finding a program to suit your Workout, which concentrates on needs is much like choosing an exer- low-impact aerobics, and Body cise club — wading through the glitz. Moves Bike Workout, for stationary and glitter of fancy equipment and _ bike riders. model-perfect instructors to find fit- 2 NODV3Y NOSNHOF 3OINUIS HLIM 3383 38¥ ANSZHNI_NNOOHS WM veveuvs @ @ 5 $409 401 @ 00:01 ALD3¢SURd L.VHVE @ WIL LNORY Sul @ 44OdS NVIOVNYD @ jaBeuse) 190115 WiP-LZI waTW UNHLEY @ 3SVHO ONY NOOK) @ waqHN0 8 MO yerounsjn oym "vor 104 2080 JONVUNSNI JOHO9 4M@ ONIHLANY JINVUNSNI J119OWMONS Ctl ONMLBWOSALMIML €® 0008 SO: 3IAOW 3LIN Ty @ Cuew uunog au, qwng) see awh GQUYONVLS AHLNNOO @ aw. AHOIN QwVONVES AYLNNOD @ OL INSWNIVLUSING @ ASN e WIONYO NIA 2 30N3 Wwaex3 NVOWaAY @ ABA AaaM HL LV NOSTIM ANY @® ONITND NVIGYNYD @ Mei ik i Costar Mazda, as a registrant bonded dealer, guarantees no liens or encumbrances. Buying privately you risk paying for a vehicle twice. 21000" @ WOH LY dOHS @ OFZ Oo NaAWaH OL AWMHOI @ SCZ AW @ 00:4 WOOWSMIN @ S¥-Zt Nyaa) aIAve 1SM3N @ HLM LHOIN 31¥7 @& OPes SManN @ © @ 0011 HLIWS ONY HLiWS @® aLVOdN LHOINSM3N @® CNBAW3H e ‘AOWGWI FHL BNIAZdvED av yamnod 3Ava @ a3Hs. SOTIN SNIWIH 8 ONIGWATd ONUIWIH 8 SNIGWATd YVOTTISVO 01 “qe4 ‘Aopung 04 yBnosys y “qe ‘Aopuow vZNWNOS @ LUVHMAN @ ZE:11 WSIOSLUOdS cTWH OINaSUY @® SM3N ALO @ OWNOLLYN @ (ssoeuuag,) ‘OND AUUYT @ SUVA UVM @ LUYWS 139 @ SIUNMWNOSHad @ BLVOdN LHOINSM3N @ AMVHAGN @ L644 uv 31ND @ sozt S3UMWNOSHad @ 3DVd Siuods @ WA N. X08 $31d33¢ VIN AHOIN SiMOds @ AV3H LHOIN @ PC: AHOIN SM3N TIV @ OF" 2LVOdN LHOINSMAN 106014807) "“@Aly DIQUINIOD BOO! + SBLE-SIE PUOYd iuogay waTIUS @ LHOINALY) S14OdS @ BULVBHL ATMS ® $330 NOIY ONIBVAS vua TIO’ WN. KON @ AHOINOL VoIUaNY @ 0021 ‘MOHS LHOINOL @ AMDINLY? SiHO¢s @ 3SVHO ONY HOOHD @ AHDINOL VOIUaWY @® OC's HLIM 3NIHOW Aled @ HLM YM WYNLZIA G08 HLIM B3Lv7 © Ori 1 ANSWNIVLUBING ® ov TBONMONS @ LIM INIHOWW Aled @ OL AWMHOIH Castlegar Mazda, as a registrant bonded dealer, 006'6C'$ “3UOW SLOTONY NOM '30VEVD a1enoa atc WOH 3ALLND7%, 01206 ‘STH ATH3AIS@ ALIWid AeHajyse) = $06$ $3381 LINdd ‘dOHS 318N0G ‘Nava ‘3SNOH O18 SANDV IS ‘ ‘a “W3A71 83M01 OLN! 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Two of Canada’s most prominent exercise show hosts, Lara Lauzon of Victoria and Charlene Prickett of Calgary, say they're successful because of their. informative ap- proaches to fitness. “*People want more than just looks — there needs to be an educational component to any exer- cise show,’’ says Lauzon, host of Body Moves, produced by Victoria station CHEK-TV. Body Moves was recently voted Canada’s best TV fitness program by the New Brunswick Fitness Council. Lauzon is a certified instructor who is working toward her masters degree in adult fitness at the Univer- sity of Victoria: Four years ago she took over as host of Body Moves — a nine-year-old ie i show — because of low ratings. “The producers of the show were getting letters from viewers in- dicating they felt some of the exer- cises were unsafe,’’ said Lauzon, 35. “The problem was that the women leading the exercises on the show “The media can be used in such a powerful way, especially in the areas of health and fitness,’’ Lauzon says. “And I get lots of letters from people, in particular in remote areas of the country that don’t have as many fitness facilities, saying they're thankful for the opportunity to learn a little more about fitness.”’ Prickett is host and executive producer of It Figures, Canada’s longest-running fitness program, also seen in countries such as the United States, Britain, Spain and Turkey. She says the 16-year-old now has evolved into something much more educational than a bouncy workout. It Figures, produced by CFAC-TV in Calgary, is a safe and informative program that includes information from health and fitness experts, Prickett adds. Prickett, 44, says she tries to in- corporate the latest exercise findings in her routines. She also regularly attends fitness and health conferences and courses throughout North America. Her latest video, Stép Right Up (produced by Lifestyle Home Video, Calgary and Toronto), is a low- must declare ex-leases, taxis, police cars or damage over $2,000. Private sales don’t always do this. "80 TOYOTA wont i now S99 L GREAT VALUE HERE. 86 FORD ~~. *§5 BUICK "85 FORD RANGER PICKUP | SOMMERSET COUPE With many options. One fine truck. wow ®4,997 | n0w55,997 XL SUPERCAB NOW $7 997 "88 CHEVY SPRINT HATCHBACK Low, low miles. now 9D, 99T CAB PLUS PICKUP "87 MAZDA 83 FORD LTD. "80 MALIBU 4-DOOR SEDAN One owner. clean, Very clean car. 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NOW 9 NOW ’ NOW ’ NOW , "77 ’ TT FORD PHONE NOW! 78 BUICK 100% ON THE Ul backlog deepens F150 PICKUP | PHONE COLLECT! | 100 ON THE | LeSABRE SEDAN VANCOUVER — Canada Employment officials predict $ *s AVAILABLE $ unemployment insurance claims will rise 15-25 per cent but have no NOW plans to increase staff to cope with the higher workload, the union The Caan Employment ad immigration i ° 1989 GMC S-15 Pickup * 1989 Mustang LX © 1988 =o GMC Pickup * 1988 Hyundai Excel © 1988 Chevy se ener mation varod fot payers & foes (oem eet Celebrity © 1988 GMC S-15 Boom Truck ® 1988 Chevy “The current average now is six to eight weeks with some as long Cavalier ¢ 1988 Ford Tempo © 1987 Mazda C/P 4x4 ¢ 1987 Chevy rr ric dysrel aregmatiyomers dgo-anshoaar st yor poh gy Celebrity © 1987 Chevy Pickup ® 1987 Chevy Cavalier ¢ 1987 Buick ae peas matted have worked continuous overtime since June 1990, Century © 1987 Dodge Omni ° 1986 GMC % -Ton 4x4 ° 1986 Ford XL he ead. ‘The etre work and the prospect of dealing with angry, Pickup © 1986 Mazda B2000 Sport ® 1986 Chev Pickup with air © 1986 tt sttretee @ m PeThe stress leads to more absence due to illness, which deepens the Toyota Camry LE H/B ¢ 1985 Pontiac Fiero * 1985 GMC. Stepside Pi ii | Pickup © 1984 GMC Jimmy 4x4 © 1984 Toyota Extra Cab © 1983 Ford F iH XLT 4x4 © 1982 GMC 4x4 © 1980 Camaro RS mint ® Plus much more! i Hy backlog, he said. - a Ai Gary Maloney's Phone OT TTT ge ome) CASTLEGAR MAZDA 365-7241 i ey OLLXS9 °S * 971X279 “N 001%,09 °S ‘ONIOVE asuon Jo GTHOM @ 99ZL-S9E SUOHOYAUY Bulppem SMA] Tesay}se7) ® svis09 Ags HLM HaLv? @ Ov VZNYNOS @ MOHS X1VL AW @® SMaN SM3N 28N aNrUHOWN @ S3AVMULY @® AHOINOL VOIMAWY @ OF:11 000'¢z$ 00s’ Zi$° os rata! SLOT UVDITISYD wd fal ‘d3dVSONVT ‘BLINOL AOUGH @ vua THOU .N. x0U @ wareww30 @ AVEONULS @ 00:25 $330 NOI ONINUVIS ‘LHOIN SM3N THY @ OC: LHDINGLY) S14Ods ‘Tivalaysve vey @ HANNS ONY HLINS BLVOdN LHDINSM3N OL AVMHOI @ SCzt OL ANSWNIVINZINI @ 3SVHO ONY HOOKS @ HALIM 3NIKOVW ALU @ QUYONYIS AMANNOD @ LIM AwnLN3D 006' tz: 9 - a. 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