BUSINESS The Castlega NESDAY, Januar A different kind of investment with ‘Tninteasurable divie , The ange! stood outside the open church door and smiled as we drove by vet's go in.\ said my wife Mandy. (She is very good at spot- ting the kind of sign to watch for when you want to cnrich a holi- day experience and get the highest personal return from your twavel dobiar.) She turned the car and drove back to the 1 13-year-old wooden Paia Hawaiian Protestant Church , 10 km northeast along the coast road from Maui's main airpon in Kahului. ft was the Sunday before Christmas and wy joined the con- gregation to waleh the angel and 47 other childre®t perform a nativ- ly pageant. “They decided only yesterday they weré going to do it,” said. church moderator Laa Ham, 63 On such short notice, lambs were in short supply so “shepherd” niece, held her pet white rabbit instead in her arms, Mandy and | were among half a dozen white people; the 100 others reflected thé Polynesian and Oriental blends which make up most of the native Hawaiian population. “Please stay for lunch with us,” said pastor Walter Baloaloa, shak- ing our hands outside the church after the service. So we sat down in the church hall to the main Alana Apo, Ham's nine year old course of a traditional Hawaiian + luau: lomi salmon with tomato and onion, ulu (breadfruit), Iau lau (beef and pork wrapped has cooked in a taro leaf), chi Oil, Lube & Filter Includes up‘ to 5 litres of 10-30 premium, oil filter & lubrication of chassis HELP US! We're looking for Castlegar's next CITIZEN OF THE YEAR Nominees stiould have a history of volunteering time and energy to Castlegar organization(s). Automotive BATTERIES To nominate someone, please write a letter and detail as much information as possible to: Castlegar Kiwanis Club Box 3665 Castlegar, B.C. VIN 3W4 DEADLINE: March 18 on the purchase of FURNITURE & FURNITURE ITEMS MONEY DOWN INTEREST CHARGES MONTHLY PAYMENTS Until July 1994! and on the purchase of ELECTRONICS & MAJOR APPLIANCES (except where otherwise advertised) long rice, pol (made from taro), rice and banana cream pie. Locally grown tangelos formed part of the table decorations. We each took one home along with a gift package of candy, nuts und more fresh fruit. “It's an old tra dition,” Ham said. Mandy admired the festive hakulei (a circular headdress of woven mountain leaves) one woman was wearing. “It's for you said the woman and placed the wreath on Mandy's head. This whole experience of local hospitality has been one of the of our stay. Yet you see relatively few tourists here in Paid, 30-45 minutes" drive from the main hotel and condo devel- opments stretching from Wailea and Kihei to Kaanapali and Lahaina. Although we are visiting Hawaii, this “meet the locals” approach applies to most holiday destinations for most people. Some travel this way all the time. They - and if you have travelled close to the land - can attest to the enriching (and economical) expe- such non- touristy adventures. Watch for Mike Greaby Syadicaed (Columns - like an angel standing in a church doorway. Have the Courage to explore off the beatcn tack, to ask If you tend to stay im hotels, look into bed-and-breakfast accommodation, or a home exchange. Perh::ps reat a local or house. You could im the hotel for the first month. man, Dealer Principal. reached before.” From January 15 to February 5S, well-wishers can_drop into, the dealership at 2793 Highway Drive in Trail to sign the banner and receive a lapel pin! “*'** ‘to the Canadian Olympic Team at the Lillehammer Winter Games mext . merry my y) to! Kootenays to get behind our eam” said Dan Ash- “Ford of Canada is hoping this will be a real boost of Canada’s athletes and will give them the extra edge to compete at a level they ve never Learn more about ‘money “Submitted Learn about taxes, inflation, compound interest, stocks, bonds, mutual funds, limited insurance and more at Selkirk College. The College will be offering course on money management and strategies on Wednesday, January 26, and February 9 from 6:30-10 p.m... The course is $59 a couple in advance, ér $79-a couple, plus GST at the door. IMAGES Bi IN MONEY DOWN INTEREST CHARGES MONTHLY PAYMENTS This, could be the perfect gift for your sweetheart at Valensincs. Reserve now to have a postrait painted by well-know Robson artist, Richard The which ae ge $150 ac on sale for $99, and featuse full-colour oil om a 11x14 inch canvas. Thes special runs from January 14 to February 14, 1994. Shaping Up The new RCMP building located beside Castlegar Cary Hall is beginning to take shape. Inthe next lathe while passersby will be able to sec the outline of the building becoming visible. Mild weath- could be the place to buy them at a good price. New Beginnings Could it be that A & W will soon be more than jest a The house which was on the proposed A & W site beside the Send: ‘man Ina has been and site p has began. Flying Facts Ron and Sales fiamages for Canadian Regional Airlines said that im 1993. 93.6 per ccm of flights were able to arrive in Castlegar as scheduled. California Canadian Aisfines has extended their California Decaming promatgn Ma i. For only $379 Canadian, ples tax you cam fly . ‘ Subpuitted 4g s ‘ Doa orto-door sales fules: fou Fly-by-might home rcnovators and others whe sell goods oF services door-to-door across British Columbia are facing ful they mer in Geceptive selling Direct sellers, gust complete for the Consumer Protection Act increased to $10,000 from $2,000 for individuals and to $100,000 from $25,! 000 for a company. Bernardet said many resi- door-to-door sales people currently have no way of determining. if the seller is honest or capable of The Castlegar Sun ~ people accused of bilking cight Some of the cus- ing what they p “We have had a lot of prob- lems in Kamloops, especially with home renovators. They are nants the obderty.” she said. Bemnardet is currently work- ing om a court case, expected to be heard in June, involving three tomers lost $3,000 deposits after trying to get out of the deals. Under the new legislation, consumers will have seven days to cancel any contract worth more than $50 to buy goods or services from a door-to-door joor- -on abuse iighenéd t6'protect consumers Sales person. That cancels curry proof of cing as well as an identification card with a photo. If the seller isn’t licenced, the-eontract isn't valid. The legislation exempts direct sales of newspapers, fuel and perishable goods. Senior citizens in the West Kootenay have also been the tar- get of home renovation scams that have been ongoing through- out the last three years, Each spring and fall it geems, door-4o- Greens call for Ate regular monthly meeting January 8, 1994 the Kootenay Chapter of the Green Pany decid- ed to urge British Columbians and other Canadians to Mexican products. especially agricultural produce. This call for a boycowt would remain in force until such time as the Mexican government re- establishes Article 27 of the Mexican constitution which guaranteed the rights of indige- nous Mexicans to their tradition- al communal land holdings. For years the Mayans of Chia- pas State have lived at a subsis- tence level, lacking adequate medical, social and educational services, In the lead-up to the signing of the NAFTA late last year the door salesp seniors in the area, and advise them of needed, repairs to their home. The seller often states he or she could do the repairs at a low cost, but that a deposit is nally held lands. This change was a clear violation of guarantees under the Cardenas first required to purchase the adequate materials. Seniors should realize that after April 1, 4s paige proper presidency in the 1930's and is a i jon of the drive by nal cofporations to z response to the Mexican government the Green Party urges Kootenay residents to focus their roscoe on food grown by Mex agribusiness ¢ is sold in local stores. reen Party would further urge people’ 10 write or fax the Mexican con- sulate in Vancouver at Suite 810, 1130 West. Pender Street. Vancouver, B.C. VOE 4A4.- strates that this agreement will continually violate the social, economic and human rights of just i NAFTA will violate the social, economic and human rights of fees Conate c0'8, and i Green Panty encourages British Columbians to contact 10 pro’ cy will be poled nt all sellers. inated. fashletetomend? W'bw TSIM. fOr shaving, aa RRSP,; ments, suchnanqguadtantcod wits!- mesit certificates. to provide shelter from high sates of tax. At the same time. equity imvestments were often heid outside of RRSPs. were taxed at lower rates. But Cussent, cincumstamces have creat- ed a complete turn-about. to the extent that the rates of return on people should consider. If, for y Castlegar Works Our Financial Community beginning of each tax year over the 40 years, the $8,500, as by a signal that total ‘would be over $522,000. That’s a difference of more than $48, 000 and, depending on = ome financial expen advise that those individuals who are entitled and in a Position to make the current I's income the time of withdrawal, this oad be tax free. But this is just one of the small advantages of making early coatri- butions to an RRSP program. Since RRSPs wen: might be wise to do so before the new feder- al budget is tables in late-February. There is no limit to the num- ber of RRSP programs an indi- vidual can have and contributions can take the first in 1957, the two most compelling have been to reduce tax. espe- cially during peak eaming years. and to provide an independent source of ,retire- ment income. The average Canadi- ‘There is _no limit to the number of, RRSP programs an individual can have and contributions able. a Gallup can take the form of a lump sum 1993 by the payment or regular deposits.” form of a lump sum payments or regular MSRM ASS Although cur FED statistics are not ayail- survey commis- sioned in mid- Investors Group revealed that nearly 50 per an’s RRSP contn- bution can be offset by up to 33 per cent of income tax savings. Put another way, this means that many individuals need Only take less than $700 from their net disposable income to make a $1,000 RRSP contribution. Recent suggestions from some sources about a need to reduce RRSP annual contribution limits for high income, eamers, possibly make theix RESP just ahead of the February 23 dead- Sime, they will achieve relief on their 1993 imcome tax but will mass out on a large measure of RRSP growth, particularly over the long-term. If a perses were to make a $1,000 contribution at deadline time for 40 years, the total accu- mulated at a 10 per cent return would be just under $474,000. By comparison, had the $1,000 annw- all commibution been made at the jing the anoual to cent of adult Canadians claim to be enrolled in an RRSP. Furthermore, fully 50 per cent of all RRSP contribu- aions are channeled into mutual fund investments. There can be little doubt that the increased focus on mutual fund investment was influenced by the continued decline in inter- est rates being paid on guaranteed J such as g treasury bills, investment certifi- $) It’s not too early to “~ contribute.to your RRSP’s. Castlegar Saving’ Cledit Union ey Jame perl B.C. VOG 2k0 226-7212 RRSP. Ri CERTIFIED GENERAL ACCOUNTANTS to bos Aageles— Still Growing ‘Statistics reccived from the City of Castlegar shows that these wese 266 building permas issued im 1993. That amount is up from 1992. saw 244 permits handed out. This represeats $13.06 million Smart. Smarter. of the to local populations. mons, Ottawa, OA6.Fax, 1-613-996-3443. cates and Canada Savings Bonds. While guaranteed deposits provide peace of mind, their attractiveness is greatly dimin- ished in times of low returns. This has meant that individe- als, particularly those with sub- stantial investment capital, have switched to alternatives such as high quality mutual fund stocks paying dividends of highly rated funds. And this trend is likely to continue if people remain committed to achieving better returns Although financial cercum- ‘stamees, May prevent some Canadians from maximizing their RRSP contributions this year. there is evidence that many others will be starting an RRSP before the February 28 deadline. The net effect will be that new records for RRSP pur- chases will be established and Canadians will once again prove they are the world’s most committed savers. * Manage your © Reduce your taxes © Save and Invest more poitick of pipes tong Selkirk College ao pan Spee the final session. You will receive 35508. PRE REGISTRATION REQUIRED, CALI? - i College Castlegar Campus 301 Frank Beinder Way, Castlegar B.C. # 365-1208 $7 Fie. 4 days a year. fa RRSP. Advice from the Experts. At this time of year, instant RRSP experts are everywhere — clamouring to cash in for a couple of months. At Midland Walwyn, we’re true RRSP experts — providing access to a wide range of guaranteed and other RRSPs; through flexible, consumer-friendly Self Directed plans — 365 Why settle for less than the best in RRSPs or year-round personal service? Cal] Rob Trickey par dee or return the 354-AR34 porta ox or a> OARe BORESS TT TE I I's smast to invest in an RRSP but choosing the right one can be confusing. I'm an Investors Group Representative. T'll help you find the RRSP that best fits you needs. av around Junc 1_ 1994. making them the thad pharmacy m Castes ‘TELEPHONE (BUSINESS) Until “2 April 1994! ae _7~ HOME GOODS C) & Sane Phone 365-5579 = ae oe = - : h with your H G ture Warehouse banlease briet Investors Daikling futures r Covering Cenire ; = —— : Group nce | ‘ #1444 Columbia Ave., Castlegar | WALWYN sive Cure THemcrme™