October 12, 1986 TWO BDRM. house, full basement, fridge. stove, natural 90s. 365-6586 ttn/68 furnished and cor downtown tin, ONE large tu CALL — ~ BioGuard Pool &Spa Chemicals all your pool maintenance needs, call the experts! We install filters, heaters, motors, pumps and more. We also carry a tull line of chemicals VALKYR AQUATICS Blueberry Creek hed + chen privileges, Close in 3 bedroom apartments starting ot $275. Quiet well cored for building. Fridge, stove included. 365-3034 tn/80 THRUMS 2 ond 3 bedroom houses No dogs. 399. ercaplt HT beby rabbits, $4 each. Ph 3/82 or TIRE = on: 15" for GM | vehicle each, giass frames beds. 10.a!$2.00 each, 365-7680. GIRLS mouided skates $30. 365-7538. yearbooks, 1969 hock tise made men’s, $10. hockey helmet and mask. od. iustable $15. 365-6905. 3/81 NEW metal R.V. wind detector $40, 365-5344 3/81 RADIAL TIRE CHAINS, as 155 or 165/80/13" rims, $25. 365-7650. — - __3/8! + ITECH protective hockey opm ————— “= GIRLS SKI JACKET size 5-6. year old, $15 eee A IGH CH 365-6170. 3/81 35 MEAT CHICKENS, 75¢ each, pt cc GREY wool jocket size . $15. Lodies winter coat, size 12 $15. Girls ski jacket, size 10. $10. 365-5808. 3/80 TENNESSEE Walking horses; 2 ¥otsold lily and weanling colt 2570. Slocon Volley. #tn/68 AED Riding Stables + Open e 10 365 7349 for reservations $7.00/hour. 7/81 3 BDRM. mobile home. on burning stove. large $325/mo. Call-Kathy at 18. BDRM. trailer, lorge quiet el ig furnished with gos negotioble. Ph. 365. _tin/62 e Thouse. full basement large pr pevote | yard o eden negonile, rie. with tridge. stove Lorge 2 and 3 bed: with lots of yard. Possible subsidy available. Small pets welcome on approval. Office open 2-4 Wednesday or leave WITH OPTION TO BUY. Robson. 2 bedroom home, 2 car garage. % acre lot. 365-5808. 80 GREEN ACRES T.P. Fomily court Ist month free. Assistance in 7 ONE BOR MA _lumnished | oper tment, rss mon J BORM. house. Quiet loc Full besement. Call Wayne: 365. 7s ; 0a trai Furnished. cor Peted. Castlegar oreo: 266-7552 1/63 ONE SORM home downtown Castlegar. | includes | tridge, stove, bed. 365-7538 tin/72 “| know the tablecloth’s dirty. Don't forget, this place has been open since 1963.”" ONE BORM. modern furnished part-duplex Rasberry Village Utilities included $200. One modern turnished port Raspberry Village slightly lorger modern un T-SHIRTS ¢ HATS CRESTS ¢ JACKETS TEAM SPORTS WEAR ° CUSTOM SILKSCREENING Back-to-School, Back-to-Basics! SUMMER CLEARANCE NOW ON! — Terrific Savings!!! — NELSON TRADING CO. BUILDING Elaine Woods No. 102 - 402 Boker St 352-7712 Nelson, B.C. VIL 4H8 TWO BDRM spouse Robson. Ne pets. 365-5119. 2 BORM a Sommer Castlegar, $350/month. 365. 3564 tin/16 15 GALLONS honey, $1.25 Ib. Ph 365-5981 3/82 7 TA ONE bedroom house Ootischenia $225/mo. Available immediately. Ph. 365-6959 alter 78: COZY one bdrm. house negotiable. 365-6509 evenings 3 FULLY FURNISHED SE. Commercial space 1700 sq.ft. North Castlegar. 365 immediate! 3237, tin/79 $250/ month. 365-7403 2BDRM. HOUSE, Robson. Fridge. AVAILABLE Nov. stove included. Fireplace. lorge rent 2 bdrm Raspberry 4 le yord, gos heat. Kids and pets welcome. $300. 365-8: 5262. tin 7 50 Ibs. SQUASH. 25 FOURTEEN chickens, $1.25 each 359.7772 of 359-7045. 3/80 SENIOR Citizens may advertise items own them in th column that they have for sale No charge will be made tor od 81 vertising these personal items Please call 365-2212. Also, have ‘d_ number andy. We will run your od for 3 ms only, The price ust be given Limit $200 total for 3 items _TEN/50 ure BONNINGTON, 2 bdrm edor shakes, siding, fini joinane, ‘cor goroge large deck. fenial iigploce. 1100 we. 650 bosemen HOME EVALUATION twill be pleased to discuss your Reol Estate needs and or value of your home with no obligation or cost to you CALL RAY BYSTROM VIEW LOTS for sale. 5 miles from m Hill. Paved ing West Ann ttn/75 Call for service or advice FREE — No Obligation! DAVID DANIEL OFFICE 365-211 [Sates Associ CENTURY 21 Mounteinview Agencies Lid. 2 BORM. house, Blueberr $260/mo. Call 365-2565 7/8 3 BORM. ~ CEDAR MANOR * Ideal retirement on special floor 1 &2 bedroom units Fridge and Range Very clean & Homey Would Furnish on Request Ask for more infor- mation on Senior , Citizens retiring pla PH: 365-6213 TRANER in location. garden renovated. No children or pets Ph. 399-44 3/8: SROONT 1 bedroom geroge., $275. Ph eS seo2 or 7/82 NEWLY remodelled 1 bdrm. tur nished suite, including utilities sentrolt located. Ph. 365-3848 or 365-2 tin/82 suites $220. 78 Thrums 2 ONLY 1 bdrm. $240. Ph. 365-6213. ONE bdrm house Castlegar, nice surroundings $255 South ord. quiet hn. 365 2470, 1 BORM. aportment fri | stove. Utilities included. Central Ph. 365-5003 7,8: fully furnished Robson. Avoiloble Dec 15. Cheap utilities Ph. 365-2293 7,82 * THUNDERBIRD ‘Your Ford Count HOURS: Mon.-+ri. a.m.-8 p.m. Sat. 6-6 — FOR RENT — OFFICE SPACE at 272 Columbia Ave. PHONE 365-8281 LARGE 4 bdrm. house. Heat included. $395 month 368. 8268. FURNISHED 14x68 Wale, Avaslable Nov. |. 365-3465 WITH OPTION TO PURCHASE: 3 rm. home, large foniy room GIANT SALE: Legion Hall, Soturday, Oct 18. 10 o.m Castlegar Junior Rebels 3/8) BACHELOR SUITES. furnished $225/month, utilities included 365-2188, evenings 352-7774 23 REDUCED RENT. One and 2 bdrm houses at Crescent Valley. Good access. 359-7793 7/75 3 BORM. home on wooded ‘acreage with option to buy. Ph 399-4337 76 SPACIOUS 2 BORM. house in Blueberry Heat included Fridge. stove $325/mo. Ph. 365 3226 776 SPACIOUS Two bedroom apartment 750 3q.#1. Near SHSS. utility room large living room, kitchen with place. workshop storage area 365. ne sun ak Oct. 18819. 90.m oportment. Iridge. REC ROOM SALE Columbia Ave. North Rf : 0. 365-6509 or 365-5441. 7/81 AYS Sumdey Oe MODERN 3 bdem., corport, full 2° SPP basement, central location. 365 6082 tin) 2 BDRM. HOUSE. Robson. Fridge ond stove included. Electric heat 365-8268. 3/8) MULTI-FAMILY, 3105 - 5th Ave 3/8) 2408 GARAGE AND BAKE m. Proceeds to Vth 12, Hockey 38) FOUR BDRM. family home in Biveberry $59,900. 365-2511.7/79 ONE BORM. older home down. town Castlegar. 365-7538. tin/64 7 LOTS for sole 2 Selkirk Street. Sincere otters call Prince George 562-4556. 4/82 ARROW LAKE FRONTAGE. 7 plus acres orested rivate meadow isolated 980 HONDA Ce apd condition $2700. Ph. 365- 06 shoribox half ton, 6 cyl. $750. Ph. 365-5946. /82 1969 DATSUN truck, $200 OBO. Runs. Needs work. Ph. 365-5813. 76 PONTIAC eins 1976 PONTIAC LeMans, good winter car $500. Ph. 365- $014 at. anopy, 360 ond ‘Crokes. Good condition $800. Ph. 365-8283. 3/82 1979 FORD ‘%4-ton, 302 3-spd.. standard $2,800 G80. Ph 7 TOYOTA roe beater, Ph. 359-7206. 1964 JEEP. Good running con dition, $650. 365-8197 1984 300 2X 2+2 wie. Excellent condition. T-root ken $18,500. 364-2681 7/8) 1980 MAZDA pickup with serene. Excellent condition 8.0. 359-788), 3/81 MUST SELLI! Dodge ‘1-1 canopy . 693-5566 with her 5 p.m 7 ‘BDB A A regrocentelve of the Bank will be in Castlegar 16, 1986 to discuss your Business Financial and Management needs. Why not call us today at 426-7241 tcotess) to arrange an op pointment? Federal Business Banque federale Bank de Canada_] FOR SALE OR RENT 2828 DUMONT CRESCENT tb) CASTLEGAR SAVINGS CREDIT UNION 365-7232 xcellent condition 359-7772 oF 359. 3/80 CLASSICAL quiter teacher wan Ph. 1 3/82 TO RENT: Covered storage suitable tor 18-Ht. trailer. Ph ‘O “town — requires, 3 bdrm. home, South end range. No agents Reviy’ 10: Box DOB7Q., Contleger News. Castlegar, B.C 82 RELIABLE available. Wilt clearwng. Monday to Fr Also willing to babysit. Call 365-2934 thn “housekeeper be P THE PLUMBING and HEATING 4x4's 8) Ford FISO Auto 3465-7555 or 365-7497 OL 8015 (boot access). $30,000. 509-838. 3826. ttn/21 12 FT ewly decorated Fridge. included. W. stove, addition. Ph. 365-3953. 7 ARROW LAKE TRAILER PARK View pod. 365-8073 tin/7: TRAILERS tor sale or rent. set up in Castlegar, also pads tor rent tins s WESTLAND TRANSPORT 365-3551 2 BDRM. mobile home with woodstove $5,000. 0.8.0. 359. MOBILE HOME space for rent 365-3223 ttn 43 MOBILE HOME 1980, 14'x70' Choncellor 3-Bdrm. Mobile Home with Four Appliances includes Delivery & Set Up $19,000 NORTHWEST HOMES 4375 Columble, Castlegar 365-355) 1971 Suc pickup, $1,200 0.8.0. 365-364 tn /65 1978 a CIVIC, S-speed totally rebuilt, $2700 0.8.0. 365. 3669 te 74 cs Will sell separately. 365-2511 7 1974 GMC Crew-cab automatic recent valves smission, high miles. but runs well. $1,000. 0.8.0. 365-7807 1972 DATSUN 2-door runs well 5-2534 3/80 1976 CUTLASS Supreme 70.000 miles, new paint, excellent con. dition. 365-5147 3 1980 BUICK Skylork. PS. PB auto. 2-tone. Like new 3% 1971 DODGE SWB 4x4, 318. 4 speed, 365-709 atter 4 p.m. 3 80 1979 KAWASAKI 1000. $900. 0.8.0. Excelien: condition. low mileage. 3/8) SYRINGA PARK MARINA Ministry of Transportation and Highways KOOTENAY LAKE FERRY SCHEDULE Pacific Daylight Savings Time The following schedule will be effective on the Kootenoy Loke Ferries commencing TUESDAY, OCTOBER 14, 1986 up to end including Thursday, May 14, 1987 VESSEL t LEAVES KOOTENAY Bay 7:00 eSESTTTTTE “<<<< SALES & SERVICE 365-7145 1050 Columbia, Castlegar 2880 Hwy. Drive 368-9134 Riverview Dedier tic No. 7683 K & A TIRES LTD. We Specialize in Brakes & Shocks (SERVICE & SALES) Lorry Chernenkol, Owner 1807 Columbia Ave. SRRIDGESTONE 21 305-2955 CASTLEGAR RECYCLING Top Prices — Cosh Pard ALL TYPES OF GENERAL CARPENTRY 365-2932 © 369-7252 © 359-7191 Call Cottect TO BUY: Old (antique) carpen ters ond cabinet-makers tools planes, levels, slicks etc. 1-576. 6370 collect 10. 68 WANTED: Fridge. stove. washer dryer, household furniture 3565 LIVE-In housekeeper for elderly gentleman, Room and board plus solary. Ph. 365-7069 82 NEAT appearing | per tors tor light “deliveries ond Collections, Bort. cr full-time tor approximately 5 weeks Appl No. 5, 280 Columbia a) WOMEN with pleasant voices for telephone work with local tor 3-4 weeks No expe: necessary, short hours upstairs, Office 5. 280 Columbia 3 8 AVON Xmas selling starts now. Could you use extra money? Be your WOMEN CRUISE SHIP JOBS!! CARIBBEAN-SOUTH PACIFIC- BANAMAS- MEDITERRANEAN. ALASKA Due to a constant turnover in personnel. there are always Jobs available with the CRUISE SHIP LINES Our CRUISE SHIP EMPLOY MENT DIRECTORY will show you how and where to apply tor one of these high paying and exciting jobs aboarca American cruise ships GUARANTEED EMPLOYMENT WITHIN 90 DAYS OR YOUR MONEY REFUNDED ORDER FORM send to CRUISE JOBS Dept H45 31 ELMA OR ROOFING © Guaranteed Work © Fair Prices © 30 Years in Business ¢ Free Estimates JAMES SWANSON AND SONS ENTRALIA. WA 98531 To order your 1986 CRUISE SHIP EMPLOYMENT DIRECT ORY. send only $10.00 cash check or money order today NAME ADDRESS APT® STATE Ph. 367-7680 RAE'S PLUMBING. Commercial Residential omplete renovations. RAE ANDREASHUK. 6658 tin. TREE CUTTING AND TOPPING Ph. 365-7980. th WOULD like to baby sit ot. can 1 Dina ot 365-804 15-YEAR-OLD reliable girl will babysit or cleon house. Ash tor Moria. 365-6573 WILLING TO teach yaners pion, neor high school. 365. 5587 NEED A JOB? High schoo! ond ts may offer the: Drop us a line or phone the thon Ad number at 365-2212. We will run your ad tor 3 issues at no charge tin 34 | Beige colored kitten, male. 7 toes on front paws. Ph. 965-6642, MOVING Must find I ed female cat home for spa grey longhoied 365-2787. 3/80 PART SIAMESE kittens, 365-5945 TWO KITTENS and one cot os 2613 betore 10:300 3 Hi you have on item you would like to give away, please drop u: @ line oF $52212, Well run your ad tor 3 issues tree tin. ‘charge COOKING for ride to Vancouver Oct 1d Ph 365-8129 82 REQUIRE ride to Nelson. Mon. to Fri. 8:30-4:30 Will share gos. Ph 365-8141 V8 RIDE from Geneile 10 Trail, Mon. day to Friday 5 Collect 693 LOOKING FOR ride to Casth from Trail, Monday to Friday between 8.30a.m. and 4:00 p.m 368-5168 and leave mensoge = 364-1433 atter 9 pm aa Private pension plans changing to pensions are 10 per cent of But this out-of-sight-out-of- mind attitude might be com- an empl 's pay, and that 33 per cent of the total pension fund is invested in between 1963 and 1984 with 40 years membership in the plan. In four of those years, the invested wisely and scores a low return or even a loss, the pl still a certain rate of return for retiring he DANCE BANDS ond Mobile Disco aveiloble for ony typeof The other type of plan is called a money-purchase plan. No guarantees of return are made and a retiring i em. ployee’s pension amount is dent on the i: benefits to re tirees would be about one per cent of their final salary multiplied by their years of service. In two other years, the return was close to 50 per cent higher. In the case of the retiree who earned $30,000 in his final year, that translates into an investment benefit of compared with that difference amounts to hundreds of dol- lars a year when the benefit is converted into an annuity. Investment benefits ex- clude the amount of em- ployee and employer contri- butions, which would be turned over to the retiree. In no case in the Peat Marwick study was there a loss in the investment por- tion, which means the re- tirees would receive their full contributions in addition to the investment income gen- erated by those contribu- tions. Faced’ with the risk of volatile investments, Peat Marwick went on to say that engagement. EMOTIONS SNGuTMOUr, Tuesday 8 p.m. Ca: ‘olunteer Ex: Service. 365-2104 performance of the pension fund. The ultimate pension payout can be highly unpre- dictable, particularly if the fund is invested in the stock market. Under money-purchse plans, people who retire one COUNSELING Individual & Fornily Counseling JON WYNGAARD CALL 352-5621 Nelson year could receive vastly dif ferent pensions from those who retire in another year, said Ian Markham, a Peat Marwick pension consultant. “That's just the way it goes,” said Markham, co GREAT grondporents, Jock ond ‘and grandparents don Reod 1 Tint itfony race Hos 5. 1986. Weight 2 Ibs Vos. IN loving memory of Patrica Moloshewsky and Richard Cowlin who died October 1984 Which no time con obliterote No distance alter. But which is olways the some Loved and sodly missed by Mom. Brnde, Diene. Doug. Kerry Vicki, Dele, Wendy. Terese ond Crystel. i 1982 iColema Camper Across trom Wanete Plaza. Trail 368-3377 Doster ic 7724 author of a Peat Marwick study on the two types of plans. “You just retired at the wrong time.” Despite this risk to em ployees, Markham said some companies are switching t money-purchase plans casue they are simpler a less costly to operate. SURPLUS OR LOSS He also said a recent con troversy over whether em ployees or employers own pension surpluses in defined- benefit plans is encouraging companies to switch to money-purchase plans. With money-purchase plans, the employee owns any surplus, but is also saddled with any loss. So how much of a dif ference can volatile invest ments make to your final pension? This depends on the per formance of the stock mar kets or bond markets ng any given year, but Peat Marwick study indicat@g that the final pension vant could vary by thousands of dollars. After the pension amount is converted into an afinuity that pays the retired person a regular amount, pension income could vary by hun dreds of dollars a year In the study, Peat Marwick Cords sent to next-of-kin 3023. Castiegor 8.C oa19 CANADIAN CANCER SOCIETY In memoriom donations intor mation Box 3292 Castiegor. 365. TYPE SETTING Give your newsletters meeting bulletins. etc. 0 professionel oppecronce eody type for your some pi will invest their money-purchase pen- sion funds in conservative bond issues, rather than put a portion of their retirees at risk. But a conservative invest ment strategy also has its drawbacks, since it “can pro vide surprisingly low levels of pension income. “Employees pay a heavy price for such conservatism.” Markham said younger em- ployees may want money purchase plans because they could reap higher rewards if the pension money is in vested in a booming market. But he said older employees will most likely prefér the security of defined-benefit plans. “Thorough and thoughtful consideration (by each com. pany) should be given to the entire issue before a final decision is made, said the The largest automobile dealership Kootenays requires an honest hard-working individual who is able to communicate ettec- tively for a erway on their sales ae They of- fer a good or. ond an i fo ny successtul applicent. Please call Matt eden @t 365-2155 for a contidential interview. Maloney Pontiac Buick GMC Ltd. Experienced and Ambitious Car Salesperson To join the A.M. Ford Teom in Trail. Must be desirous of bet- ‘average earnings ond motivated towards the some 197 Columbi FALL SPECIAL 50° EACH Minimum 4 Sheets 197 Columbia Avenue study. ON A BUDGET? WE HAVE A GREAT SELECTION OF LATE MODEL PRE-OWNED VEHICLES FOR YOU. 1986 Parisienne 4-0r.. Brougham, Fully Loaded now 18,639 1986 Fiero GT Rare model with only 12,000 km now *16,392 1985 GRAND PRIX Fully loaded Broughom now*14,257 1985 FORD XLT 2 T. 2-Tone. Many Options now °9,444 1985 Grand AM Le Many. many options 20,000 km now *12,851 1984 Fiero SE A super buy for only now *9,218 WE HAVE MANY M THE VALUE CONSCI MALONEY ‘86 Hyundai Stellar Air cond.. auto, power windows now*10,818 1986 Fiero SE A great enthusiosts o ot now'13, 117 1985 GMC 12 T. 4x4 Replocement of $20 000 ¢ now* 14,376 1985 Cavalier 4.0 Sedor now *8,356 8 006 ker 1984 Ford Escort 26 000 * Now “4,901 1983 Skyhawk utd. E GREAT BUYS FOR S BUYER. SAVE NOW! PONTIAC BUICK GMC LTD. 1700 COLUMBIA AVE 364-0213 oo CASTLEGAR 365-2155 5058