®. THE NEWSLETTER Do You Have a Dream? ee That new car you have promised yourself, that new boat you keep looking at, or maybe it was the new living room furniture. Castlegar Savings can help make your dream come true. Castlegar Savings Credit Union is proud of its’ consumer loan policy and would like to share a few facts with you: — If you are purchasing a new car, boat etc. . amortize your loan over five years we will Payroll deduction is available tor your loan payments; by making half payments every two weeks you cut seven months from a five year amortization. Our consumer loans are life insured, a free service we offer our members. Our rates are always competitive, providing the best service possible. Loans ar pen, allowing an early payout if desired. We accrue interest on a daily basis, there is no ‘paying oft interest first’ your principal balance starts to reduce with your first payment. Come in and visit, maybe this is the year for your dreams to happen! Current Rates and Service CHEQUING ACCOUNT: earns 4% per annum interest, calculated mon- thly, paid monthly. monthly statement. service charge of $3.00 per month. Convenient, handy way to pay monthly bills. No pe wm charges. * Free Personalized Cheques GOLDEN CHEQUING ACCOUNT: *% For those 55 and over, no monthly service * Earns 5% per annum, calculated daily, paid semi- annually. * withdrawable upon demand. *% No chequing privileges. TERM DEPOSITS: * Interest rates vary, depending on the term, from 6% % to 9' % per annum. SHARE SAVINGS: * Earn dividends, calculated and paid y- % Life insured to a maximum of $2,000 for eligible members. * ble upon d d, no chequing privileges. PERSONAL LOANS: * For all types of consumer goods, holidays, autos, home improvements, etc How Secure Are You and Your Belongings? If you store valuable tools in your garage, keep your garage locked at all times and have curtains on garage windows. Thieves not only like to steal tools but also may use them and ladders to break into your house. Do not rely just on night chains to keep someone from entering through an outside door when you per It is better to have p hole or interview grill in the door so you can see who is at the door. Do not allow strangers into your home. If he asks to use your phone (to call for an ambulance or tow truck for example) ask the stranger to wait outside while you place the call. When you ve a phone call from an unknown person, do not give him any personal in- formation. If he says he must have the wrong num- ber, do not give him your name or number; simply ask him what number he wants. Also, avoid giving information to any phone caller that says he is doing a phone survey of some kind. Proper identification is mandatory. if you are a single woman, do not put your given name on apartment mail boxes or in a telephone directory; initials are sufficient Castlegar Savings Credit Union participated in the “Castlegar Big Brothers Bow! for Millions. participants we and Sheena Herron. We had the High Team Pledge two years in a row. The staff Cathy Joh bi . Barb Shaw . Sandy Belanger, Sandra R. So you don't have a will? If you should die tomorrow you might have assumed everything would be taken care of — but would it be in a man- ner which you would approve? And have you thought about legal difficulties and expense you may be bequeathing to your family in handing on a complex or disorderly estate, or what about the ity of family strife over perceived inequity in the distribution of your property? When you die without a will you waive your legal right to dispose of your possessions as you see fit. The Provincial Court selects an ad- ministrator, whose duty it is to wind up your estate, settle your debts, and distribute all money, proper ty and personal effects according to a rigid formula set by law. Unfortunately, there is no guarantee that the ad istrator will be who will economical tic manner. Furthermore, it may be deemed necessary to convert your estate into liquid assets, pr g the bility of ly sale of property. WHAT COULD HAPPEN If you live in B.C. and have a family, the terms of estate distribution you can anticipate are: Your spouse will not necessarily receive the entire estate. If there are two or more children, the first $65,000 goes to the surviving spouse, two. Building Dollar Power A personal finance onsumer column. What happens if you die without a will? thirds of the remainder goes to the children and one third to the spouse. — Your spouse will become guardian of your children, but may be required to post a performan- ce bond and report every two years to the Court to show how the money is being spent to look after the children If your spouse predecease you then it will be up to friends and relatives to decide who should be the children’s guardian. If they can't decide, then the Court can choose anyone it deems accep- table. Even if you find these terms acceptable at first glance you should be aware that they make no provision for any special circumstances; you may, for example, want-to provide for a disabled child or provide extra funds for children who have not yet had an opportunity to attain a higher degree of education. Estate planning not only ensures that your property is distributed as you see fit but it can sive error is to assume that death taxes can be avoided through joint ownership of property. Some taxes are likely to result when property is passed on to you or your spouse, however with proper planning, the tax burden can be greatly reduced Directors Profile Students from our local elementary schools OF CASTLEGAR SAVINGS CREDIT UNION * RATE CAST x Long Range Forecast for continuing stable rates with 10% chance of fur- ther declines. BI-WEEKLY MORTGAGES? Yes. We have them! Free Retirement Planning Booklet The Credit Union has a limited supply of “Plan- ning for Your Retirement” booklets that can be picked up at our Member Services department. The booklet is designed not only for persons approaching retirement, but also for younger persons who require some assistance in their long term retirement planning. Are Your Home Contents Inventory Adequately Insured? For the best protection, the amount of insurance on your property should equal the replacement cost of the ifems you own. Policies are written to ensure the present replacement cost of your contents. A lower amount of e will give you inadeq' protection. If you are interested in the replacement cost feature, you should value the contents for the replacement cost not purchase price or present value. To assist you in determining what your inventory value is, Castlegar Savings Insurance has a brochure that itemizes your possessions room by room. By using this brochure, you will be able to ensure that you have the appropriate protection. To obtain this brochure, just call in to our In- surance office. If you have any questions, their in- surance representatives will be only too pleased to help you without any obligation Do You Know If Your Joint Account Has The Right Of Survivorship? Joint Accounts are for the use and convenience of more than one person. The Credit Union Act, however, does not provide for joint members but two or more persons may jointly own funds on deposit. Each owner of the account assigns and transfers to each owner jointly and to the survivor of them, all monies on deposit and any accrued interest to the joint property of each owner and the property of the survivor. Each owner agrees jointly as well as with the Credit Union that all monies on deposit in the ac count and any accrued interest shall be and continue to be the joint property of each owner with the right of survivorship. With the right of survivorship, when one of the joint owners dies the assets in the account are tran sterred to the survivor(s), without being tied up in probate. If you are concerned or unsure that your joint account has the right of survivorship, please ask us about it. Here Are Some Scenes From Our Annual Meeting hove enjoyed tours at Castlegar Savings Credit Union. This event was followed on a memorable note. OFFICIAL C and Dave ski team, were inducted into the B.C. Ski Y ... Gerry S bers of the C Murray, former Skiers inducted i By CHERYL CALDERBANK Staff Writer ROSSLAND — Two former members of Canada's national downhill ski team were inducted into the British Columbia Ski Hall of Fame Friday night. At a gala banquet attended by 190 guests, former downhillers Gerry Sorensen and Dave Murray were inducted. = The Hall of Fame was established in Rossland by the provincial government in February 1969 after the Olympic medal performances of Rossland native Nancy Greene. Membership in the Hall of Fame is accorded only to those women and men who have brought great recognition and honor to themselves and/or the province through their outstanding performance or contribution to skiing. Sorensen and Murray join Greene and Olaus Jeldness. Jeldness was inducted posthumously in 1969 along with Greene. He introduced skiing to Rossland in 1896 and was Dominion Ski champion in 1900. At the official ceremonies Friday Sorensen was inducted by former N: nal Alpine Ski Team coach David Bodner, while Dave Murray was inducted by former head coach John Ritchie. Sorensen, 27, was born in Kimberley where she learned to ski with the North Star Racers. She progressed through the Kootenay Zone Ski Team and the B.C. ski team, then joined the National Alpine Ski Team in 1980. She won her first World Cup downhill race at Haus, Austria on Feb. 8, 1981. She followed with back to back World Cup downhill victories at Grindelwald, Switzer land in January 1982 Sorensen capped these performances with a gold medal at the world championships in Haus, Austria in Feb. 1982. She was downhill champion on two occasions. In 1981 and 1982 Sorensen was named Canadian Female Alpine Skier of the Year. In 1982 she was named Female Athlete of the Year by the Sports Federation of Canada — the Bobby Rosenfield Trophy, and Sports B.C. top senior and top overall Athlete of the Year. Sorensen married Brendan Lenihan in Kimberley on Aug. 11, 1984 and now lives in Wardner in the East Kootenay Murray, 32, was born in Montreal but grew up in Abbotsford. He was one of the five original “Crazy Canucks,” the downhill team that stunned Europeans and Hall of Fame Friday night. Shown at left is former the highly rated Austrian team. This team thrust Canada into the forefront of the International Ski Racing Circuit. He was named to the national alpine ski team in 1971 and represented Canada for for 10 years. Murray was one of the Canadian men's downhill specialists. He had an impressive string of top 10 finishes, earning silver or bronze medals on numerous occasions. He was the overall Canadian champion in 1979, Murray row lives at Whistler, where he is director of ie, coach for seven years on the men's downhill team, said in his speech while inducting Murray said that Murray was the real Crazy Canuck, the person who really motivated the. team. Speaking of his admiration for Murray, Ritchie said, “he is one of the rare individuals that really knows what he wants and knows what he has to do to go out and achieve it. This is a hard thing ot learn.” “He managed to do thatall the timeand is now doing that in his work. He has taught me that work can make life sweet. By working hard you can accomplish things most people carry around as dreams.” “Dave didn't win any World Cups but he was there for most closeseconds” during his 10 years on the World Cup circuit, Ritchie said. He added that usually the difference between first and second place was four tenths of a second. “Inducting him into this institution is timeless,” Ritchie said. “We can look over what has happened. We can really look back and appreciate these things.” Ritchie said he sees Murray's effort in skiing as being significant in that he achieved his personal best. “If I can accomplish athat in any time of my life I think that's significant,” he said. Murray, during his acceptance speech, thanked Ritchie, who taught him “if not the meaning of life, to search for life.” Tot h the current national team members he gave this advice: “I really think it's worth giving it every ounce you've got.” He also thanked his family, teammates on the national team, and his other two coaches, whic he had while on the team. Bodner, currently sports development manager for Sport B.C. in Vancouver, in inducting Sorensen, said although Sorensen’s racing career has ended the dreams and memories never die. Bodner said that during his two years of working national team head coach John Ritchie (right) congratulating Dave Murray, while at right photo nto Hall with Sorensen on the team what he found impressive was that she displayed “tremendous qualities of a real champion.” “She displayed aggression. She proved to be a valuable role model with all the teammates,” he said. “She had great concentration, expecially on the hill where there were a lot of distractions,” Bodner added. 5 also displayed a quiet ip. he said, but whenever she did speak out, everyone would stop and listen. She was also inspirational. Bodner said “when she owrked hard and performed well, everybody seemed to do exactly the same thing.” He said Sorensen also displayed both physical strength and perseverance. Although she failed in her attempt to win an Olympic medal, Bodner said she displayed the qualities apparent in Olympians. Sorensen, in her aeceptance speech said, “the years on the team were hard and short, but it was well worth it and I'd recommend it to anyone.” Guest speaker Karl Hilzinger also praised Sorensen and Murra: Karl Hilzinger is a sports consultant for the War Amputation of Canada and the Child Amputee Program. He is also a golfer, downhill skier and formerly a football player with Regina Rough Riders and Ottawa Rough Riders. Hilzinger played professional football from 1952-1958 with Ottawa and Regina. He played most of his career as a running back and made it into the record books for a rushing record. Hilzinger was involved in an automobile accident which resulted in both legs being amputated above the knee and only 10 per cent use of the right arm. He resides in Vancouver. Hilzinger told the crowd that because Sorensen and Murray are being inducted that gives younger skiers the drive to say “I can.” He commented that Sorensen had the ability to say to herself, “this is my race and I am going to win it.” Hilzinger quoted former downhill racer Ken Read in a part of his speech about Murray. According to Rea,d “Dave was, and still is very dedicated to his craft. His greatest attributes as a downhill racer were his dedication, hard work and constant analysis of technique former coach Dave Bodner congratulates Gerry Sorensen. CosNewsPhotos by Chery! Colderbonk of Fame “Dave started very late,” according to Read. “Into world ski racing, I believe he began at the age of 14. This is very late. Most of his competitors had begun at the age of eight or nine. “It was his hard work that overcame his handicap, being in better shape, than anyone on the hill, skiing longer, running more gates, revi¢wing more video and discussing technical question more with his coaches,” Read said. “Dave was definitely an important teammate and a standard for me. I always knew that Dave would be out to beat me. If I wanted to stay ahead, I had to be in excellent shape. This kind of competition had to be contributed to some of our success.” Hilzinger said that: “I think that the ski hall of fame has chosen wisely in these two young people and I know that they will carry this honor with them for the rest of their lives.” Master of ceremonies of the banquet was Al Raine, former National Ski Team coach and husband of Nancy Greene Raine. Raine noted that the country can be proud of Sorensen and Murray. “They are just ordinary people, but they're great people. They are British Columbians who achieved something both in sport and in life,” he said. Sorensen and Murray received countless telegrams of congratulations and best wishes, including ones from Premier Bill Bennett and Prime Minister Brian Mulroney. Trail-Rossland MLA Chris D'Arcy read a message from Bennett, who said Sorensen and Murray “have encouraged countless fellow Canadians to become involved in this outstanding winter sport.” Kootenay West MP Bob Brisco read a message from Mulroney who said that the inductees’ “dedication and promotion of the sport is recognized and deeply appreciated.” Terry Lee, chairman of the 1985 board of trustees for the British Columbia Ski Hall of Fame and Museum said the ceremonies were part of a revitalization of the hall of fame as no skiers have been inducted in the hall of fame since 1969. But Lee added that there will be inductions on a more regular basis. The trustees held a meeting Saturday to further establish criteria for inductions. Gretzky must playbetter 2= "5 with hot dogs and juice, ending the doy NORM ESSERY LARRY mows Joined the Board in 1979 First came to the Boord in Hos been active on the 1979. Has served on the Credit Executive os well as the Credit. | Committee for much of that Committee time. B.C. Hydro 19 yeors Foreman, Maintenance 3 children at home. Active in Lion's Club Norm and his wife Bonnie were nomed citizens of the year for 1985 — for the Slocan Volley Department Heod Social Sciences/Humon Services at Selkirk. Stor ted 1970 Wife trene ond 3 children Make this summer special. Come to the Shuswap tul Shy Seniors Summer School LUCILLE DOUCETTE Administrator at the Notional Exhibition Centre has been a resident of Castlegar for 1% years. She was educated at Carlson University at Ottawa Ontario to obtain her B.A. in History with @ certificate of accreditation from Canedian Museum membership For the Energetic Visit to the Museum Visit to Margaret Falls Beach Barbecues in the p Country of British Columbia. The perfect holiday lear- ning experience for all retired people. REGISTER EARLY — CLASSES LIMITED — COME AND ENJOY! WEEKLY SPECIAL EVENTS ATTENTION Mothers & Fathers ‘Come in and do your uninterup- ted bonking while your children ore entertained well * GOLF © TENNIS * SWIMMING ¢ FISHING * LAWN BOWLING * HORSESHOE PITCHING Getting toKnow You Party Accounts will Salmon Arm Fair receive a shiny Gold pent! We look forward to serving your Wind-up Party needs of the future BROCHURES AND APPLICATION FORMS AVAILABLE AT THE CREDIT UNION By JOHN KOROBANIK CHICAGO (CP) — Wayne Gretzky's job, as the finest offensive player in the Na tional Hockey League today, is to create Create offence; make the plays that lead to goals. Thursday night in Edmonton Oilers’ 52 playoff loss to Chicago Black Hawks, Gret zky didn’t do his job. “I didn’t play very well. I stood around and watched too much,” a relaxed Gretzky said Friday before the Oilers went out to practice for Sun day's fourth game of the best-of-seven Stanley Cup semifinal. Edmonton now leads 2-1 What Gretzky was watch ing, basically, was his shad. ow, Troy Murray “I was watching him when I should have been get ting the puck I was worrying about where he was,” said Gretzky. “I have to force things more, get him worry ing about me.” Murray, a native of St. Al bert, a bedroom community bordering Edmonton, con ceded he does a lot of wor. rying about Gretzky “He's always looking for an opportunity,” he said. “If he sees I'm not looking he's going to jump at the op portunity Basically, I have to forget about offence and really con centrate on him. If I can keep my concentration I should be all right.” Former Montreal Canadi. ens great Guy Lafleur told Gretzky about seven years ago the key to dealing with a shadow was to get him chasing you “Flower’s a little quicker than I am but I have to get to the holes, get the puck more,” Gretzky said, as he put a Los Angeles Raiders cap on his head and pulled on his skates. “I was going to where he (Murray) was. I was practically running into helped make Mur ray’s job easier. The Hawks centreman, physically stronger and able to out muscle Gretzky, held the Oiler pointless Thursday. No one had been able to do that in 37 previous games, since Feb. 2. WANTS TO WIN “It doesn’t matter to me if he gets three or four points,” Murray said Friday after the Hawks’ optional skate. “If we win the game — that's what's going to make me happy.” The Murray-Gretzky con. frontation will continue to day and Gretzky isn't suré how Murray will play “He changes style against me a lot,” said Gret zky. “One game he'll skate with me, the next game he'll get physical.” What he doesn't do, is get dirty. Unlike certain other players assigned to shadow Gretzky, Murray doesn’t usu- ually resort to stickwork. Marsh key By JOHN MacKINNON PHILADELPHIA (CP) As National Hockey League defencemen go, Brad Marsh is a hybrid: He chews tobacco like a baseball player, hits like a linebacker, and skates like — well — a linebacker with gimpy knees He's also a key ito Phil adelphia Flyers playoff suc. cess. The Flyers take a 2-1 series lead over Quebec Nor. diques into Game 4 of the best-of-seven Wales Confer. ence final tonight On a team of seemingly interchangeable young skat ers, Marsh stands out for a couple of reasons. He's 6-foot-3, 215 pounds, and isn't afraid to throw his body around. Mostly, though, he’s awkward. He skates the way a tyke does — legs splayed out, arms flailing but with considerably more momentum Someone once nicknamed him Ankles. In the dressing room, he's easy to spot, too. He's the one with the twoday stubble, a chaw bulging from one cheek and a cup to splurt the to bacco juice into. Does he chew on the ice? “Nope, just before (splurt) and after,” said Marsh. “It helps me relax.” There is nothing relaxed about his playing style, noth to success ing effortless or graceful in any move he makes. Marsh, a seven-year NHL veteran out of London Knights of the On tario Hockey League, has made himself into a quality defenceman by simple, hard work Ever since I was a kid. I've wanted to play the game.” he said. “You got to want to play the game and want to be the best.” Marsh was big as a kid — a six-footer at 14. Unlike many 14-yr-olds, he knew exactly what he wanted to be and that it took a sort of tunnel vision to do the necessary work. He didn’t dabble in other sports. There wasn't much time for watching hockey on television. “It wasn't that big a thing to wateh hockey,” he re called. “The thing was just to play.” Marsh, a first-round draft choice by Atlanta (now Cal gary) Flames in 1978, hasn't stopped working at his game sinee he reached the NHL PLAYS ROUGH You never stop learning You couldn't get a business job and just rest on your laurels and it's the same in sports. You're always learn ing new tricks.