ie LeageayepRreSU AHR TE if " Pgh i i i altss yah” 6 >pagzege cee ae TraHie rare wer ce 25 tf Fy : h is to take a mortage with a Fy rf rr f ij ‘amortization period — plan to pay off the mortgage in i 15 years instead of 25. 4e Then, if rates go higher and you don't want your monthly payments to increase, you can simply extend the amortization period. (The other benefit is that the quicker you pay off the loan, the less interest you pay.) ‘ So you have your agent and you've pre-qualified for a mortgage with a company that offers the most flexible plan. Now you must find the house. ‘Those interested in new or recently built houses should represent if explicitly ‘ ‘The difficulty for the buyer comes in assessing what the agent says. " » When she tellé you there. no way the seller will accept a low bid, is that merely a ploy to get a higher one — or ts it of the market? Fup s residential number in the telep pages or a business name in the yellow has come up with a dise that lists more ‘eT if ORE g bert You virtually need a degree in finance to figure out the ; " ‘ a market and an engineering degree to determine whet the place you're about to call home is structurally sound. ea a ‘einen ee ie ee al i et 3065 7290025393 e RTE aly lk i j : ae aS g i i rae Gi g g ‘a ; pi be agra rebece goceobcipeesgteace ated a3 TT ut aa who will best the agent gets » Your first task is finding an agent —while zi P your paid a commission by the seller. ‘ Good, experienced agents can help immeasurably — they can explain the money market and have seen thousands check the builder's reputation, says David Dunn, housing of houses and know what defects to look for, They algo want ok: for the C ’ Association of Canada. One to keep you happy so you'll come back when it’s time to sell. i way to do that is to go door-to-door and ask your potential But remember agents wear two hats. ‘ neighbors about problems. “The agent ig working for the seller,” says’ Bob Pedler, a Silverstein strongly recommends making any offer to Windsor, Ont., realtor and president of the Canadian Real buy conditional on a satisfactory report from a private house Estate Association. inspector. He notes, however, that in the seller’s market of southern Ontario, vendors rarely accept such conditions. ‘The inspector can tell if the house is a dog — say it needs a new roof, or there are termites, or the wiring isn't up to souff. Again, you have to be careful since anyone can hang out y than a compact dise the information a ahi improved on disk. The CD-ROM is slightly t! ‘and capable of storing many floppy disk can. *Tetragon Systems Inc., a Mon’ company, is charging $3,000 a year for a CD-RO) names, addresses, telephone numbers and postal codes of every listed Canadian household. The company has a sister disc, called Businessbase, that contains more than 900,000 businesses. ‘The information has been gathered by public records and private mailing lists that businesses sell to each other. Ogees Hy ont k 204 BUOY OYA, y SIquInfo> iSVt 8ZZS-S9E 1080480 snBoyso ‘soos Hy ELL Sn eee JONVEASNI 30H09 cegeett dy! Hie Forest unions Lng 19% “JEAN StL #809 MOH. 38 ourmig_jehjeue t] bkey 18 Uh seuoweu jeoms10) A (i) WON DAL umoj2 wooed 18096) ‘wee yeqoreg eer: uoy dou OL -"q y9eq «sBung yous wry jem Synudes euUBYY pO UE enbeq sont wo DAL =)6 -9WOD OY)1YO BBOs 4oom ‘ABM MoU e 891) ABo. Guiy6ry 2801001 28 UB YW Pees 88 ajdoed om) voy eyeOyeenw veUG.O AN ('yseM) pIOUCH ‘ul vo sreeydwe yum ‘. NS peyun eu) ut wed Guunye)nvew vwodeom seejonu 1 SMEy VO! AMOLS USddv 1d @ 068 ue6s0 18 1 awe (u) voneZ! puno} os One CD-ROM disc is capable of storing up to 600 megabytes of data, the equivalent of 1,666 floppy discs or 250,000 typed pages). By placing the Homebase disc into ‘a CD-ROM reader (selling for about $1,500), and connecting it-to a personal computer, you can call up every Smith in Canada, every phone number that starts with 626 or everyone who lives on Antler Avenue in Moosenee. _ The Consumers Association of Canada and Teledir- ect Publications Inc., a subsidiary of Bell Canada, are concerned about this latest technology. INVADES PRIVACY Association spokesman Ruth Wood calls it another “invasion of privacy” and a marketing encroachment by Canadian business. 2 A.G. Walter of Tetragon says his company is not violating privacy, noting his list excludes people with unlisted numbers. Teledirect, which produces phone books, is upset with the innovation. “We hold a copyright on white and yellow pages and we are investigating this at the present time,” says Jim Sweeney, Teledirect’s director of communications. But Walter says telephone Looks are only used to cross-reference the information. The that d the h disc for Tetragon is Reteaco Inc. of Willowdale, Ont. dai e VANCOUVER (CP) Record profits for B.C. forest companies mean workers should get substantial wage increases when negotiations begin again next year, union leaders say. MacMillan Bloedel Ltd. re- ported Monday it had net earnings of $60.4 million for the three months ended March 31, the highest quar- terly result in the company’s history. Last week B.C. Forest Products said its first-quar- ter earnings were a record $32.7 million, “It's certainly time that the people working in those mills get a substantial increase,” Art Gruntman, vice-presi- dent of the Canadian Paper- workers Union western re- profits Monday he didn't think the union made a mistake by not holding out for more money during its 4'4-month strike which ended last December: “We had two issues we were fighting (contracting out of union jobs and im- proved pensions) and money issues or other issues would have just-got in the way,” he said. “It’s a long time to the next set of negotiations but we'll certainly be trying to catch up with ‘some things we haven't been able to. get in the past five or six years,” Blanchard said. | MATOL | Natural for a m how much they'd be prepared to lend based on your income. and debts. Then compare what. the various companies have to offer, While the rates are generally about the same, Silverstein says, “different lenders offer different features.” For instance, most institutions have plans permitting lump-sum payments on the mortgage. But a company that lets you make such payments more than once a year can save you a lot in interest in the years to come. AVOID TEMPTATION In an inflated market or depressed economy, buyers may be tempted by low interest rates to get in over their heads. The Ontario Ministry of Consumer Affairs warns ‘a shingle as a house inspector: Ask for qualifications. HOMEGOODS FURNITURE WAREHOUSE Tues.-Sat., 9:30-5:30 China Creek “Drive a Little to Save alot” FILTER CIAL “S9E OA 40) WOY O YHIM., gion, said Monday. “The companies are clearly out of,the recession.” Both the paperworkers and the International Wood- workers of America have two-year contracts that froze Herbal Tonic 64-Year History — Amazing Results! 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Meet the medical team behind Matol at dOHS JONVENSNI OLS INO BNOA snonva 58 00:1 ad jo (uy) ‘vounmnso: Bays) Ay BIquiNjo> 1S71 G NVUASNI J0HO9 106014803 ‘soouss YAP - LZLL n ZS a $15m expansion yy "YOK “30p10q 3801000 B1AU) 4061) syeoweyo Suwewoo 62 [dy ‘Aopseupem 04 yBnosy €z judy ‘Aopssnys uy ep ue, sEeNDe ‘aney Arey 20108 a1wod :peynpeyos OOL 08:0 Bosnjeos efuens pue syed jensnun AMVH OL LEVH anv 7005 &8 Shiy “URW @}021N paw y “YOunqherD, We 2PM BUD (4P2 WO '9/61) ..¥BONS, sonj1q9190 104)0 pue neyNeW 208M wewBey Aue} ‘ood ynoge S418) soveyD eoud “pempeyrs soysip Koxny 20410 sesedexd pue Koy, yours YIWS Hor S4d0AVId vane . nyrvis @ oo ee 000 ‘owen punoy iss | toad (a) WO9S * * panuyuos Aopsnjos mao O(y) ces9ys uy ue ¥alNnH @ (uy) 2068-v090} -wom s06un0K yoru VuvHO ‘SUENVRWTE 819 ‘OL61) ..S202m) sewer Au0ds mMYe4 WwKeR (Bw i) ‘s1y 10) ono} s9de0p @ Guess apym ¥ mnoneuzy seveyD, oy UNey prAeg ‘Ue| wing veoyiey (ew 20 '£86)) ,,sweeIg smo, “moHO,. @ Auvew 0} ueid ¢,0u1 ) 104 yum Buywop aiqnon sey eyouerg nou ® Sd}oy @12UQ eu) 0} pardepe oney win vEeYyIEN (CW OY UNO PIABG ‘Ue} 6Z [dy ‘Aopseupem oF YBnosys €7 judy ‘Aopsuny) Asejewns0p 9861 S.uvewzue} epnery sexo, ‘spur; Jo @sne2eq peideo 28 JOU 81 OYm jOOY>S weyein eseqeg yonop od wed e Guyew jo 91919 Suyewuns yoo S2@p18U09 PIABg xog eum 068914) ve SAer ong owasny ur younyg xopous 4Q 49012) 8,061,085) 1S wou) S001K08 130 @ 0c:6 vors so NBNOM andiyoueys for Grand Forks Bradford Enercon Inc. will receive a $6.5 million incen- tive loan under the Canada- British Columbia Industrial D ' 4a; and custom fabrication of specialized equipment and machinery. The province has also ap- P y Agreement to expand a Grand Forks plant manufac- turing insulation products. The project is the result of a joint venture between CSR Limited of Sydney, Australia and Pacific Enercon Inc., which operates the existing plant at Grand Forks. The funding was nounced by Okanagan- Similkameen MP Fred King, on behalf of Michel Cote, federal Minister of Regional Industrial Expansion; and by Grace McCarthy, B.C. Min- ister of Economic Develop- ment. On hand for the announce- ment of the funding were Brent Bake, Chief Executive Officer of CSR's Bradford In- sulation Division, and David Spurgeon, Chairman and President of Pacific Enercon. In addition to the con- struction jobs created by the expansion and diversification of the facility, the project is expected to maintain existing jobs and result in the cre- ation of 100 new long-term jobs in Grand Forks by 1992. Costs of the expansion are estimated at over $15 million, with almost $11 million being spent in the Grand Forks area for building construction an- proved a dii nt sale of B.C. Hydro surplus electricity for a three-year period to assist the start-up of operations and to replace coke being im- ported from the United States. CSR holds half of the Australian insulation market and has been manufacturing and distributing insulation products internationally for 52 years. Using the latest technol- ogy developed in Australia and Europe, the expanded Grand Forks plant will pro- duce insulation products such as pipe wrap and bonded material that can withstand high temperatures. The prod- ucts, used primarily for in- dustrial and commercial ap- plications, are fire-resistant and have a high insulation factor (“R” value). They will be sold in the Canadian and international markets. Since 1980, Pacific Enercon has been producing “Ener- gas,” a mineral fibre blowing wool insulation rpoduet, pri- marily for the residential construction market. The material is produced from copper slag residue, a by- product of an earlier smelter operation at Grand Forks. their wages for the first year and give an hourly increase of 40 cents in the second. Base rate for woodworkers is $14.20 an hour. The contracts expire next summer. Woodworkers’ vice-presi- dent Bob id hard sai Fireside Place Banquet Room 7:00 p.m. Mon., April 27 JOR PRIZI DOOR PRIZE FREE ADMISSION & SAMPLING Call 365-6437 2649 CASTLEGAR 8 © vIn 2st ve ae CASTLEGAR NEWS NED 3007 CASTUGAR. RC C FALCON PAINTING & DECORATING FOURTH AVENUE 365-3563 OFFICE 365-5210 my card...” Gary Fleming Dianna Kootnikoff ADVERTISING SALES se *BPHI6, 20, POPULAR FILTERS 35%, : 20, 39, 47, 9771, *3375. PH7, PH42, PH52. ‘ While quantities last. lar filters: (g) .. 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VIN 3B2 365-8496 PETRO-CANADA ° * Marque de commerce de Petro-Canada Tear sasodwo ‘sepids yom sow BuIpnyout UBMaIS fy Jud} ved pue sun @ O(u) ¥90y 0186814 caves wy sieq pue yenug ‘siaeg 102 Big @y) Jepun sepsnw Sojebujsenu eoresor 1ey29piow ty ‘Aopuow 6: If PUB HOsIS 00:01 packages ground beef California grown * Canada no. 1 ¢ red ripe lLtetra approx. 10 Ib. box cut from Canada grade ‘A’ beef regular =<: xo. 2-18 ib. @ GG Golden Grove * from concentrate straw- juice berries . Prices effective up to and including Sunday, April 26, 1987. PLAZA SUPER-VALU OPEN SUNDAYS 11 A.M. - 5 P.M. Add tS THO LIN uoyr01e5 0610) STUAIXI HON. LEVEL reEr-ve ov wl OP *Guit Canada Corporation trademark Petro-Canada Inc registered user sawn@eoo (eweg “eewergs $917 10 498d.