sees he ene a Action Ads — 365-2212 Display he N ADS LIFESTYLES MAIN ST. MUFFLER & RADIATOR — OPEN MONDAY TO FRIDAY — 8A WE NOW DO: FRONT END ALIGNMENTS J ‘AND BRAKES * Specializing in 4-Wheel Drives * 1501 Columbia Ave., Castlegar * 365-5411 MISCELLANEOUS MISCELLANEOUS _ a eetemmaenneneeceamentmait ent aenemNNRANR NEN PETS & LIVESTOCK DISCOVERY . TOYS Wonderful educational toys, books and games for all ages. Sold through home demos and catalouge sales. Now is the time to start WESTINGHOUSE washin feeds repair, $100. L-shaped, 2-pie brown couch, $500: Ph, 365-3837 your home business with Toys. Ask me how you can eorn your starter kit for FREE. Call me for details Carol (604) 563-8195 -8/01 Keb Print 621 Columbia Avenue * 368-6385 PHOTOCOPYING STATIONERY * RUBBER STAMPS * USED BOOK: COMMERCIAL & WEDDING STATIONERY TOM MAIRS Johnny’s Best ne Cabbage «: Onions» Instant Ni VHS Videos & Nintendo For Rent lex Hours: 8o.m.t p.m, LHASA-APSO. ‘puppies. 3139, “Avail lable for new homes now. 357. Dog Chunks » Deg Pellets » ee i BUILDING Castlegor, 365-2175 * Trail, 368-5311 COMPANIONS (© REPLACES REGULAR DEODORANT FOR | FULL YEAR iF YOU are happily married, you are one of life's fortunate ones. You don't have need for this column and we hope you never will. But if you are someone who has never met the right person, or if you've lost your partner through divorce or death, the Castlegar News would like to help you There are many men and women just like you, right here in the West Kootenay region, singles of all ages from all types of backgrounds. Bringing people like you together is what this CALL GEORGE ROSS SHOP MANAGER Le] BODY 365-2155 COLLECT TRAIL, FRUITVALE CALL 364-0213 For Better or For Worse® Koto ware Trunks WOLD MAYeE We p-slad-a-palt SPURT CAA FWwe TW paar TPRESENTS Bley OW FOR A UME iD OF 'D TAKE CONSIDER, KALAWSKY PONTIAC BUICK GMC (1989) LTD FREE ESTIMATES “2S on, by Lynn Johnston Fantastic Selection of Watches BULOVA ®* CARAVELL © PULSAR ® SEIKO ® CITIZEN LAUENER BROS. JEWELLERS “We've Got the Gifts of Love” — 1355 Cedar Ave., Trail — Phone 368-9533 au pent 808 OURKIN 365-5210 Little things hit wallet By SUSAN YELLIN my The Canadian Press It's time to deal with. the ever- growing pile of bills stacked on the desk Those bills may hurt more than in the past. The recession and unem- are forcing many 1224 i (©1990 MLLER FEATURES: sp { eal HOMES FOR SALE VEHICLES HELP WANTED 1984 TOYOTA Camry, 5-speed, sunroot Witt BABYS! my home. Reasonable SWAP SHOP WILL TRADE good working fridge for good working clothes dryer. Value ap- prox. $100. 365-5295. 102 “Anyone else for the airport?” Import Auto Repair Specialists Home of the Maloney “Gold Card” We specialize in: ALL MAKE IMPORT & DOMESTIC Canadians to take a sharp look at their finances, But for those in relatively secure positions, this may be the time to take advantage of investment oppor- tunities and lower prices in real estate and the stock market. Personal finance experts were asked to suggest New Year's resolutions to improve the average Person's financial standing. , Here’s what they have to say: — Timothy Egan, president of T.E. Financial Consultants Ltd. of Toronto: ‘Keep your eye on the target and think long term.’" Egan says investors should try to avoid the ‘herd instinct” ‘of cashing out just because everyone else seems to be doing so. “Investing in a low market is ob- viously the way to go,’’ he says. — Gordon Pape, financial expert: Recessions can be times of great op- portunity. “The more aggressive side of me says take advantage of the recession to get investment opportunities that are maybe available once in a decade, especially housing and the stock market.” Pape says some investors will be er solo thwans fase sean at self-employment.” If you're working, you can pay. another member of the family who doesn't have a job to do the leg work on researching and funding a new business opportunity — and then write that off as a business expense. If you're unemployed, there's nothing to lose in trying to find something where you can be’ your own boss, Grenby says. Either way, watch your spending. Remember as well. to document ‘‘reasonable’’ expenses for tax pur- poses, he says. “*The key is to be serious about it, not to treat it‘ as a joke. “If you treat it as a joke, Revenue Canada will treat it as a joke and laugh at your claim. But if you're serious and business-like about it, they'll treat it the same way.’ —.Tom Delaney, personal finance expert in Toronto: Watch what you spend. If you are out of work, obviously now is not the time to go on @ buying spree. “If you're in a vulnerable in- shine at the end of the tunnel."” Delaney believes there won't even be a glithmer of economic recovery until well into 1992. — Catherine Munro, financial consultant: Put together a net worth statement. Draw a line down the centre of a piece of -paper, assets on_one liabilities on the other and you can cut expenses, or should put your savings. If you’ve done it before, worth statement will give you an of the progress made in accumulating wealth or paying off debt. “It makes you realize what you did, or did not do, last year to help your situation,”” says Munro. Business Opportunity 1981 Kenworth wrk Kitt, Fony Dump Trailer, Steel FOR SALE PHONE BLAIR, 358-2360 OR 358-7979. © GREAT GIFT IDEA ‘© FOR MEN, WOMEN. AND. REPAIRS WHICH INCLUDE: 3.A ic and dard column is all about Your cost is only $12 for three inser 50 words (additional MOVING Into or out excellent condition, $6,900 0.b.o. aes. rates. Ref vailable. 365-7043, kicking themselves in a couple of 728. years if they don’t go out and get COUNTER SALES REPRESENTATIVE 1. Major t (© CONVENIENT TRAVEL POUCH COPIERS 365-2887 1002L olumb.o Castlegar NO:== i "BEULAH ONL” stops arthritic pain, cram ps, sore backs, no drugs, no side effects on sale at Mother Nature's Pantry Castlegar, B.C. or phone (604) 723-2628. 13/01 BUY OR SELL BY AUCTION Bonkruptcies. Est USSELL UCTION 399-4793 4. Consign. ‘Ouiright Purchases Open Mon -Sar.. 95 2067 Highway 34. Thrume Armstrong Mild Yellow & Part-Skim , Mozzarella Cheese 4 $999 Ib. 4 Mother Nature’ Pantry town Cast MAI “poles; ron aap pale Henig 365-2523, 3 102 * Silver * Jewellery Books * Furniture * Depression Glass Come and browse among TREASURES OF THE PAST Silver Rattle Antiques 1125-4th Street, Castlegar CASTLEGAR NEWS Bee aoe? stlegor, B.C. 106 4 PUBLISHER The Castlegar News is published by Castle News Lid. Mail subscription rote to the CASTLEGAR NEWS is $40 per year ($44 in communities where the post office has letter carrier. ser vice). The price on newsstands is. 75¢ for each edition. The price delivered by newspaper carrier for both editions is only 90¢ a week (collected montly). Second class. mail registration number 0019. ERRORS The Castlegar News will not be responsible for any errors in adver fisements after one insertion. It is the responsibility of the advertiser to read his ad when it is first published. Publisher's liability for any error or omission in any advertisement is strictly limited to the sum paid tor any such ad. It is agreed by the od co to publish ony advertisement of any description, that portion of the od erroneous item reasonable allowance for signature will not be charged tor but the balan: ce of the advertisement will be paid f sing is The offer may be withdrawn at any time NOTICE OF COPYRIGHT Full, complete and sole copyright in any printed moter produced by Castle News tid. is vested in and belongs to Castle, News tid provided, however that copyright in FHAT PART AND THAT PART ONLY of any advertisement prepared trom repro proofs, engravings, etc provided by the advertiser shall main in and belong to the odver er For further information call: 365-7993 or 365-2230 CASH for good used tires. BIG O TIRES, 1507 Columbia Avenue, Castlegar. 104/91 BILL'S T.V. SALES & SERVICE 365-3466 SALE Assorted Christmas Items Including Arrangements UPTO 50% weil HOURS Mon Sor 95 30 FLORAL CO 1425-4th Street, Castlegar 365-5191 OPEN MONDAYS WE’Il HELP YOU KEEP YOUR RESOLUTION! See our trained professionals today for a fitness program designed to fit your needs! Replies may go directly to you, or you can use our box number for only $3 ex tra and we'll forward replies to you. (Writers are encouraged to include 9 second envelope to guarantee privacy, although the paper will maintain strict confidentiality if the envelope is opened accidently.) in. 87 FOR RENT RETAIL OR WHOLESALE SPACE — — 2600 39. ft 6th Avenue South location. SMALL one bdrm. hous cluded, Available immediately. 365- 5054. 3/01 of Castlegar FOR Ist CLASS SERVICE CALL DAVID DANIEL CASTLEGAR REALTY | LTD. y 365-: or 365- — FREE MARKET SVALUATIONS! — TP: SHEET HIG ie holiday CAadttnce and sincere thanks for your confidence CALL THERESA WILSON For courteous, professional service N.R.S. Mountainview Agencies Ltd. 365-2111 or 365-3407 SMALL house af Crescent Valley. $225/per month. No dogs. 359-7793.7/01 2 BDRM. Mobile home, Robson; gas heat — no pets. 365-3155. 3/01 Interested in ing where you have member management so you are involved in decision making? THEN WE MAY BE FOR YOU. Large 2 and 3 bedroom units with lots of yard. Own fridge & stove required. Office open 2-4 Wednesday or leave message. Ph. 365-2677. 2 BDRM, house for rent, ——. near hospital, inctuded. 365-2605 IN WINLAW, clos: highway 3 bd home. Electric il Casement portly fur $550/month avord BACHELOR suite aes ail uf $250 per month, 2 bdrm. house, Robs: $500/month. 365-2644 TWO BDRM. duplex, Robson. Available immediately, $300 per month. 367-7873 3/103 MINI storage units, sizes from 5! x 5 ‘ond up. 365-6734 alter 5 p.m RENT THIS SPACE 365-5210 ONE BDRM. SUITE heated and utilities 5156, 365-66 blag imadictay 2 bdrm. home UNDER $40 170 CM. Yamaho Racer skis with poles end size 7 Nordica boots. $20, Very com 0 Heierling ski boots, $20. “3/01 sunroom, good South Castleger location. 365-3886 3/101 ONE BEDROOM conage, single person preferred, no pets. 365-2950. 8 ROOM AND BOARD — near college: Call after 5 p.m. 365. PROPERTY LOT FOR SALE kN Ik North Costlegar. 50. ft. by 148-ft, 365-3: 1981 DODGE Maxi-van, fully cam: perized. Okanagan conversion, ex- cellent condition. 81,000 kilometres. 2 LZAl re BOATS & MOTORS | CAR. STORE 365-7555 61 Columbia Ave... Castlegar CHRISTMAS SPECIAL Dec. 21 through Jan. 7 RENT A CAR FOR ONLY $1 6°: PER DAY * Plus Mileage, Insurance & Taxes fo growing ‘77000 people locoted'n Ml Vol Central Kootenay Regione! will be @ challenge t0.0 Sas RLLAIN, Araneta’ Clerk mbla Avenve Coldegers8.e. Nimior SNOWMOBILES 1990 SKIDOO CHEYENNE longtrack Reverse, under 800 kms. Mint condition: 365-3987. WANTED WANTED POKER PLAYERS Pastime Club — Upstairs City Centre Square. $10 Buy-in. Table sioke: Open7 p.m. Sun., Tues., Thor “a Fei. Pho: “A HELP WAN FED EN SEAMSTRESS to sew grad dress. Phone 365. aor SD. TEACHING VACANCY STANCEY HUMPHRIES SECONDARY SCHOOL A tull-time. Term teaching position is available for on indefinite period” This position will start as soon as possible. Assignment: Technology 9A and 98 Power Mechanics 10 First Aid 9 Electricity 11/12 For further 4 information, contact id Hogg, Princ Stenley Neomphiios Secor Castlegar, B.C. Phone (604) 365-7735 Between 9:00-12:00 on January 2 and 3,199) Submit applications, with supporting ae SOME 1991 MODELS STILL LEFT IN STOCK. * Parts & Accessories = = Mechonic on Duty es ——— a 1 R.G. MARINE 365-7377 VEHICLES SD. TEACHING ELEMENTARY SCHOOL A Term, part-time (.7 F.T.E.) teacher librarian is required, effective 91.01.07 and might extend to 91.06.30. 5d cSndSlcnn chu hae 3 HOMES FOR SALE FOR SALE by owner. Ideal family home, split tevel-on large treed lot in qu laundry room. Hardwood floors through ‘out upper 2 floors, covered by wall-to- wall in living room, dining room, family . 2 carports lose to Material Packages Pre-Fab Packages Modular Homes Custom Built Homes FEATURE OF THE WEEK J 1988 DODGE GRAND CARAVAN S.E. © 7 passenger van © V-6, air candition © Automatic © Low mileage CALL WENDY 352-3817 OR GRANT The recent formal training in librarian. Ny 1200 HRS. 91.01.04 ¥ Superin is School District No. 9 (Castlegar) 865 Columbia Avenue Castleger, B.C. VIN TH3 Fax: (604) 365-3817 WORK WANTED HANDYMAN — Light carpentry, fences, 2267 Lorne. BRENDA’S FAMILY DAYCARE: Full-ti and part-time spaces available in ship and in dn licenced temily deycare Please coll 365-830! library. ‘an de ding of the Year 2000 would be useful. The candidate should be able to demonstrate: — the ability to work cooperatively with staff to implement a new ingness to establish a program of library usage before and after school, os well as during the student lunch period. For further information, contact Dino Zanet, Principal Kianeird Elementary Schoo! Between 9:00-12:00 on Jonuary 2 ond |, 1997 GERRY'S BACKHOE SERVICE Landscaping and Excavation 365-7137 MATURE W WOMAN evailable to baby her home. Reasonable rates, refe available. Phone 365-6646, caution, 2.¢. VIN HS Fox: (604)365-9817 Siding, ooking. ‘drywall, light corpentry, general home repairs. Steve. 399-41 26/100 elton Ad Phone Number is 365-2212 GIVEAWAY FRONTED Black ond white pup- 3 males, 1 female (+mall dogs). ALASKAN Husky puppies — Bodie ort brown/white. 365-2751. 2. Major engine 1 pairs 4. Clutch repairs Garg Maloney s... CASTLEGAR gi mazZzpa NOTICES LosT Ca agent Hiker ni Road, aon with white flea colla sulin FOUND ski shoes, left next fe Garb Nighowoy. Owner may identi sere ask for Len. th Ki ‘ere not chorged for. if FOUND i Ae found wecnathing. phone our Ac- "Ad no. 365-2212 during regular is hours end we'll run your ad for pp Jesues free of charge. a ; PROVINCE-WIDE CLASSIFIED $20 DISCOUNT FOR CASH! Call us for details! Classified Ads 365-2212 SS. Castlegar News FOR APPOINTMENTS CALL CARL JOHNSON. COLLECT AT 365-7241 > Some of the bargains now. — Mike Grenby, independent financial adviser based in Vancouver: “*I see the unsettled conditions as being an opportunity for many Recession provides opportunities to buy When buying real estate for the first time, it’s not just the down payment and paying the mortgage that can hit you in the pocketbook. It’s the little things. In fact, Toronto lawyer and author Alan Silverstein suggests calculating at. least two per cent of the property’s purchase price for ex- information to certify that the title is good, Silverstein says. Tack on $250 to $300 and maybe more for disbursements, he says. Then there are the adjustments. If the former owner had, for example, paid the hydro bill till: mon- th’s end and you plan on moving in on the 15th, you have to pay him penses like lawyer’s fees, on property tax, and maybe even a water meter. You can also count on paying $150 fot an appraisal fee when arranging a at most banks. i BUSINESS OPPOR. SHARE A RIDE 4 ASSISTANCE SMALL BUSINESS I loan funds available 10 new bs pening businesses thot will create new jobs. A representative of KREDA will be in Castlegar on FOR AN APPOINTMENT Or for more information call: KREDA 352-1933 WORK, School Trips, Weekly Shoppin Cut expenses and save together with 9 netg hbour in our FREE hore-A-Ride column. We'll run your od 2212. And all those expenses don’t in- clude the movers and other relocation costs such as cable hook- up, redirecting mail and changing phone—numbers.__For people who have always rented, there may be a raft of new bills. such as heating, electricity and. water. Lawyer’s fees differ across Canada but in most areas there are suggested PERSONAL 1 WAS born in Castlegar April 20, 1968 and was adopted. Anyone having any in- formation, please coll te (604) 782- ee ask for Jackie. NOTICES CASTLEGAR Griet | Home Monday mont port meetings thly . 365-2148. ee te 04/83 PUBLIC NOTICE Traffic Control on Columbia Avenue I important changes ore for Columbio Avenue in 991. of the Laid yf heor pode tae details of the Suppor Office, 7 p.m. on the 3rd earners ANNOUNCEMENTS BELATED eg vl CHRISTMAS to all my friends and f customers.” KEITH HEALEY — SELKIRK KIRK DISTRIBUTORS. a CARD OF THANKS — foe dules called tariffs, sqye Silverstein, Some of the tariffs can be found at the back of legal directories in the local public library. Silverstein also suggests shopping around for the best price and asking friends or colleagues about which lawyer they’ ve used in the past. “The best way of finding a lawyer if you’ve never used one is to speak to people who've used a lawyer,’’ he says. ‘‘It’s a service industry and we all rely upon our referral business.”’ The amount of legal fees depends on, among other things, whether the property is residential or commercial and if there are any moftgages on the property being purchased. Com- mercial real estate and properties tied up in are more expensi T WOULD LIKE to express my gratitude to those who helped me during my brief iliness. Thanks to Ann Gallo and Thelma Ehman for their professional assistance. To Gerry Ehman who the ambulance. To Valdimar Mota and Horatio De Gloria cto whe volunteered their help to the nui Thanks to the bulonce attendants ‘for their vice. To Dr. sone Walto one concern and prayers. i) TWOUAD ihe to shank oil of ry fellow ore al ime friends work: my longti ty. Rotignent who worked so hard to organize an unforgettable evening. | will neighbours for ip. Wt is my ies ond oll of their people have e | remain ever so Satoh tee the rasogrmien yeu, Wave ge it tanh me. Sincerely ny orot IN MEMORIAM Silverstein says. In Toronto, for example, a simple purchase can cost $650 or more -in legal fees. On top of those fees are what's known as disbursements, or the lawyer’s out-of-pocket expenses. Those include the title search, clearances, registration and any other beghips ce MC. epteings: AUTOMOTIVE CANADIAN CANCER SOCIETY. In : Box memoriom i 9292, Castlegar, B.C. 365-5167. 104/24 back the . The same goes for things like property taxes. New homes and condominiums can present even more expense. “(For new homes), sometimes they nick you for little things like paying for water meters and hydro metres and trees on the boulevard ahd all that sort of stuff,’” Silverstein says. When a new condo corporation starts up, it doesn’t have much in the till and you may be asked to pay an extra month’s maintenance fees in advance. By the end of 1990, there were five provinces that charged a land tran- sfer tax — Ontario, British Colum- bia, Nova Scotia, New Brunswick and Manitoba, says Douglas Gray, a Vancouver real estate author. Quebec doesn’t have such a tax on a provincial level, but some municipalities charge the fee, Gray says. Silverstein also notes the GST will apply on most of the fees except the land transfet tax and mortgage brokers’ fees. So there’s another ex- pense. Gray suggests putting together a list Of expected fees — everything from the down payment and proper- ty survey to ‘estimated costs of redecorating. Booklets for home buyers and sellers are available from the Canadian Real Estate Association, 320 Queen St., Suite 2100, Ottawa, Ont. KIR SA3. Com and receive it. Requirements: We are an aggressive, fast growing Car Rental pany, soon to open in Castlegar. Our people deal with clientelle who demand the finest service, Sales/service minded . — Self-motivated, energetic — Valid driver's license — Available for shift work Only those with a degree in initiatives enthusiasm and imagination, who like hard but satisfying work need apply by resume to Thrify Car Rental, Box 3007P, Car Rental Castlegar News. Jack L. Parkin Bus. 365-6664 Res. 365-2694 Lrensed with Mutual Lite of Canaca/Mutuas tnvesteo Inc.", wo of The Mutua: Group. ‘‘Let me help you with your financial needs.’”’ e Financial Planning Life Insurance Disability income Annuities and RRIFs RRSPs GICs and Saving Plans Investment Funds RESPs Employee Benefits Ri The Mutual Group Facing Tomorrow Together Coming Soon... See the Castlegar News of Wed. Jan. 16 ST a ne eS “6. ei T. SAVINGS ARE HERE!! SED VEHICLES PRICED TO MOVE! EAD FOR dale APPROVE D CREDIT