AVE SOME GREEN!

NOBODY HAS LOWER. PRICES ‘OR BETTER SELECTION \THAN WE HAVE NOW!

In Stock for Immediate $ Delivery to You From ..

) 1987 PONTIAC ACADIANS 995

1987

1987 PONTIAC FIREFLYS | |pontiac

In Stock for Immediate $7 395

Delivery to You From

AMS

In Stock For a

In Stock for Immediate $ Delivery to You From ,

’87 PONTIAC SUNBURSTS 995

Delivery To You. From

19 "87 PONTIAC ered $13,695

Delivery to You From In Stock For Immediate Delivery to You From

In Stock for Immediate $ 1988 PONTIAC TEMPESTS 11,49

CASH

1987 PONTIAC 6000s In Stock for Immediate $13,495

BACK

Delivery to You From

1987 BUICK CENTURYS In Stock for Immediate $] 4.995

100%

7% FINANCING — | rence

3 = dy NOW AVAILABLE ON

SELECTED CAR LINES

with on the

spot credit approvals available.

In Stock for Immediate $ Delivery to You From

1987 S-15 2WD PICKUPS 495

Little or

NEW CARS Financing

By TONY VAN ALPHEN

‘With the average price of a pew car at about $14,000 these days, getting a good deal on financing is as important as talking the salesman dowm a few hundred dollars in the showroom.

In fact, experts recommend that before signing on the dotted line, it’s worth your time — and money — to investigate financing options.

For example, you can get loans from some car manufacturers with interest rates as low as 3.9 per cent.

Rates offered by the manufacturers for most car models are in the 11- to 12-per-cent range and the major financial institutions offer similar deals. If you belong to a credit union, you may get the loan for less.

SET YOUR LIMIT

Cc di ite Phil author of Lemon-Aid 1987 Car Guide, says you should first decided how much you want to spend on a car and then call several financial institutions and car dealerships.

Ask about the annual interest rate on the amount you want to borrow, the down pay a d and whether lower rates are available if you make a larger down payment or stretch the loan out over different terms.

“When comparing loans, consider the annual percentate rate and calculate the total cost of the loan offer, that is, how much you will pay above and beyond the total price of the car,” says Edmonstone.

Edmonstone also says shoppers should be wary about particularly low financing rates from some car manufactur- ers, who could bump up the retail price to more than make up for the small interest charges. ~

AVOID LONG TERM

When deciding on the length of your loan, try to stay away from long terms, says Pat Curran, spokesman for the Toronto branch of the Canadian Automobile Association.

Although terms of four to six years make the payments easier, they also increase the cost significantly.

“People should try to go for two or three years,” she says. “If you go for a long term, your car might be a piece of junk by the time you've paid it off.”

At the same time, going for a short term might make the payments a burden. So if you have to go for a long loan to make payments bearable, perhaps it’s time to reconsider your planned spending figure.

. PAY QUARTER

It's a good idea to make a down payment of at least 25 per cent on a new car, more if it’s in a higher price bracket, says Curran. .

If you're a member of Curran's auto association in Ontario, you can join its auto plan, which could save you several hundreds of dollars on a new car with participating dealers.

Alternatively, you could consider leasing a car, an option many consumers are choosing because of the rapid depreciation on a new car.

But experts warn that if you lease and then accept the option to buy, it will generally cost you more in the long run than if you had simply bought the car in the first place.

LEASE TO BUY

The Royal Bank has a lease-to-buy program that has

several advantages, says Edmonstone. You don’t need to

important

make a down payment, monthly payments are lower than with # loan to buy a car and prepayment is flexible, As well, if the vehicle is scrapped after an accident, the bank will give you what the car was worth before the accident. However, at the end of the leasing term, the interest on the remaining loan to buy the car is higher than standard

financing, Edmonstone says.

Curran says the lease-to-buy idea could be advantage- ous to businesses that use cars extensively and don’t want to make a big capital investment.

“But it's not really for the average person, particularly someone who doesn't drive too much and usually keeps a

car” for several years.

If you decide to buy outright, here's a final tip for when you return to the showroom with your best deal on

pre-arranged financing.

Experts say that in negotiating the price, a good rule of thumb is to start by offering the suggested retail price

minus 10 per cent.

Senior services must change

By JUDY CREIGHTON Canadian Press

Although people are living longer, most services for se- niors still operate as if their clients won't survive much past 65, a Calgary counsellor says.

‘A person reaching 65 today may well live another 20 to 25 years, says Jeanne Schnell, co-ordinator of a program that helps older adults im- prove their well-being.

“The fastest growing pop- ulation is in the over-85 group,” she adds, and ser- vices for older adults must start reflecting that change.

se, took a course that chang- ed the direction of her career.

“In 1976, I heard about the SAGE group — senior ac- tualization and growth ex- ploration — in California,” she said. “This group, which recognized the potential of older people to grow and change, considered the body, mind and spirit to be equally important in personal growth.”

After attending the SAGE workshop, Schnell returned to Calgary and began de- signing and leading classes in personal growth for seniors as well as working in staff

Schnell the at- titude that getting old is un- desirable or frightening, and the assumption that all learn- ing is done when one is young.

“When we become adults we are supposed to know everything. Let me quote ac- tress Katharine Hepburn, who said: “Youth is a gift of nature, but age is a work of art.’ We never lose the need for personal growth.”

Schnell, a registered nur-

Hyundai Factory Authorized

REBATE

Pony L

REBATE

TEST DRIVE

North America’s

and training.

She brought her experi- ences to a recent Summer Institute on Gerontology at McMaster University in Hamilton.

ALL TYPES OF COMMERCIAL PRINTING

* Letterheads * Envel: s * Brochures * Raffle Tickets

*90

BREAK-INS

Trauma changes lives

By PATTI TASKO

TORONTO — Margaret Wilson came home to a jolting welcome one Sunday night shortly before last Christmas.

Burglars had broken into her house in London, Ont., and ransacked every cupboard and drawer.

They had stolen her coffee-maker, tel jewelry, a

@ Houseproof your family. Make sure your kids realize they shouldn't tell all their schoolmates you're going to North Carolina for a month,

b we're dealing with

the people (burgla: are amateurs,” says Weaymouth. “They're from the ages of 18 through 26 or 26. They're young adults or they're juvenile

kitchen mat and Christmas gifts from under the tree. They even went through her and took

or just ji who are out for ‘a lark.” Simple, year-round tricks: can also make homes less

orange juice, raisins, three dozen h de Ch

to break-ins, says Weaymouth.

cookies, “and an old pizza shell that had been in the freezer for about a year,” says Wilson.

Nothing — not even the pizza shell — was ever found or returned. The identity of the thieves remains a mystery. But Wilson is still feeling the psychological effects of being one of the 217,000 Canadians who reported break-ins last year.

“You feel like you're being watched all the time,” she says.-“When you come home, you never know what you're going to find.

“It's an invasion of privacy.”

WORST PERIODS

Summer and the weeks around the Christmas-New Year's holidays are “the two prime times for household burglaries,” says Barry Weaymouth, an expert with Winnipeg-based Astro-Guard Security Systems, which has dealers throughout Canada.

Almost all victims of break-ins are initially angry, but most eventually recover from the experience, albeit with a shakier sense of security, says Prof. Micheline Baril, a criminologist at the University of Montreal.

But a small percentage of victims —generally the elderly or people who live alone or had other problems at the time of the burglary — are left with a strong fear they will be victimized again. This trauma changes the way they live, said Baril, who has interviewed Quebec victims of crime.

Weaymouth, a former security expert with the Department of External Affairs who used to be responsible for the safety of Canadian embassies and buildings in Europe and the- Middle East, says homeowners are becoming more conscious of the dangers of property crimes.

MORE AWARE

In the past, more than 90 per cent of residential alarm systems were purchased by people who had already been victims, says Weaymouth. Today, at least 80 per cent of residential alarms are bought by people who haven't been robbed but are security conscious.

Builders say they are prewiring more homes for security systems during construction. Shirley Watson of Dolphin Alarm Systems Ltd. in Coquitlam says about 75 per cent of homeowners who buy prewired homes choose to hook up the system. Both she and Weaymouth say many insurance companies will reduce home insurance rates if a homeowner has a security systsem, which can cost several thousand dollars depending on the size of the house.

PRACTISE SAFETY

But even the best burglar alarms are useless unless homeowners practise “good safety habits,” says Weay- mouth.

“The premise we work under is you must have a secure perimeter” around your house, he says. This means good doors and windows that are locked when the house isn’t occupied.

He also advises his clients to keep shrubs around windows and doors trimmed so potential burglars can be seen from the street.

And, for those who are heading for the cottage or holidays this summer, he says the most important consideration is to “make your home look lived-in.

“A burglar is not going to cross that threshold if he believes there's somebody home.”

EXPERT'S ADVICE

Weay h r that owners:

e Have a reliable neighbor or friend pick up the mail and newspaper daily. He doesn't recommend cancelling either, because that’s a sure sign you're away. Even the best paper-boys may reveal your absence to their friends, and Weaymouth points out that bored teenagers commit much of the residential vandalism and burglaries.

e Have someone cut the grass and move the car arouna so it is not sitting in the same location for weeks.

‘e Put timers on several indoor and outdoor lights, as well as televisions and radios. These timers, which cost about $10, will automatically turn the appliances on and off.

home-

He ds putting screws in the tracks of sliding doors so they can't be slid up and out, and taking care not to leave would-be burglar tools, such as ladders, laying around outside.

Most alarms were installed around the perimeter of a house and motion detectors are placed in areas that thieves are likely to pass through. To avoid triggering the alarm, residents must punch a code into a small keyboard to deactivate the system shortly after they enter the house.

Most alarms are connected to a central monitoring system that alerts the police or a security service.

In Astro-Guard’s alary system, monitors respond to sounds of a break-in, such as the breaking of a window or a door being forced, and set off flashing lights, whistles and sirens.

eaymouth says the majority of thieves.

will deter the vast

WASHINGTON (AP) — The number of elderly people in the world is growing at an unprecedented rate, the U.S. Census Bureau reported Tuesday.

Today, 23 countries have more than two million resi- dents aged 65 and over, inc- luding Canada with 2.6 mill- ion, said the Census Bureau study, An Aging World. By the year 2025 that number is expected to grow to 50 coun- tries.

“Rapidly expanding num- bers of older people repre- sent a social phenomenon without historical precedent, and one that is bound to alter

testimony to the improve- ment of our lives,” they said, noting that better health care has helped extend human lifespans. But, they add, “the growth of older populations poses a considerable challenge to public policy.” GROWS FASTER

The number of people worldwide aged 65 and over is growing at 2.4 per cent annually, than the global population as a whole. This group is expected to grow from 290 million people currently to 410 million by the year 2000, the study said.

The world’s

| July 22, 1987 Castlégar News @ ‘Numbers of elderly | increasing rapidly

ulation is growing older be- cause of higher rates of in- crease of people aged 75 and

over.

People aged 80 and over constitute 14 per cent of the world’s elderly today, and in many countries these people could constitute the fastest- growing segment of the el- derly through the middle of the next century, the report said.

HEALTH NEEDS “The stunning growth of the elderly population has various economic ‘ implica- tions for families

Pi ly held iy per of older persons,” said the study by Barbara Boyle Tor- rey, Kevin Kinsella and Cyn- thia Taeuber.

The increasing number of elderly “is an ex! it

which di graphers say has just topped the five billion mark, is growing by an es- timated 1.7 per cent annu- ally.

In many countries, the

study said, the elderly pop-

and public policy-makers and planners throughout the world, ‘ly in terms: of meeting the relatively greater health needs of the older population,” it obser- ved.

NeED TO KNOW

SOMETHING ABOUT

YOUR NeW COMMUNITY?

Call Phone Connie 365-7601 Joyce 365-309 Our hostess will bring gifts aad greetings, slong with heiptul community information.

Colours not exactly as illustrated

COOL DOWN WITH NEW PALM

) Ls | YOU COULD WIN A BACKYARD BONANZA!

send it with a UPC symbol or reasonable hand-drawn facsimile from new Palm California Style Iced Tea.

Contest closes August 15, 1987. So cool down your summer today, with Palm California Style Iced Tea — and a chance at your very own seat in the shade!

We make thi ie mate tines ha dy

$99°° DOWN

No. 1 Import Car (Po Deys Asche nc.

no money » down

Ask about ou PERSONAL LEA PROG for business or pleasure

PLUS

LEASE TO OWN.

Pontiac Buick GMC

istleg DI. 5058

In Stock for Immediate Delivery to You From

1987 S-15 JIMMY 4x4s in Stock for Immediate $] 4.995

1987 GMC FULL SIZE 4x4s 13,995

1987 S-15 4x4 coe

But not your.

m One of Western Canada’s finest hotels

Oniy BJ 00. ~ @ with this ad*

You deserve a break. Make it all pleasure at the Marlborough - romantic, luxurious and affordable Our location is superb, just off the Trans-C ‘anada Highway. Shop nearby for items you can’t find at home in Calgary’s second-largest mall, other fine P stores. Zip to the Zoo, downtown or Stampede Park on rapid transit Take ir. Cannons baseball, M gp oa Stampeder football, theatre, music, ballet. $ Our hotel is beautiful. 250 modern, comfortable rooms and suites. Fine dining traditional style; dine : and dance in Papagallo’s, our authentic Italian Herel $ restaurant; casual restaurant Indoor pool, whirl 7 re. 50 sol, sauna, exercise room. Home of jimmy Dean's 7 Rightclub Canada’s top night spot for non-stop bop, featuring '50s and ‘60s music Reserve Now. Bring this Ad for Special Room Rate. Dec 15, 1987 No extra charge for children Jer 19, one rullaway provided

Hé're more than just a place to stay!

Picture yourself relaxing in your own backyard Sipping on the cool, refreshing taste of new Palm California Style Iced Tea. And enjoying the comfort and shade of a brand new garden set!

It could be a dream come true! Because Palm is giving away six garden sets — each including chairs, table and umbrella. Plus, there's 150 colourful backyard beverage sets to be won.

‘To enter, just complete the entry form below, and

at The West Kootenays No. 1 IMPORT CAR DEALER

“~ ONY L

ENTRY FORM

california Style

In Stock for Immediate $ Delivery to You From

1988 GMC FULL SIZE P/Us 10,995

$6,995 To Finance Plus Tax & DOC Fees “The GHE® CASTLEGAR : Dealer That HA YLIT We Makes Sense” aie Marlborough Inn

32-7087 or 365-7241

Contest Rates & Reguiations stal-testing question 1 Comat open al esidonts of Modine Hato Lettie, Alberta and Castes! 9 Betore being dectared a winner, selected entrants must ‘owermere, Neison or Trail British fa, who are 18 years of {a) the non responsiblity of Palm Qairies Lid. prize sponsors and thelr agents in respect sgn ove nea eloyes andthe nadia of Pat Daies U1 onze Or injuries. accidents, 1088 or misfortune retating 10 their prizes, speaers at Oe sgencies {b) the right of Palm Dairies to broadcast and/or publish winners’ pictures, names and

In Stock for Immediate Delivery to You From ’

Malone

ee a eed ot anaes inne YOU COULD WIN A Bobs Sac Gy soar af 93. BACKYARD BONANZA See pear en i

}. 1987. Decisions of the judges are final Mail To: Palm Dairies Ltd. P.O. Box 90

4, 1987. Palm Di 88 nO.

(c) and sign a standard declaration form confirming compliance with the contest rules and Of prizes as awarded

This Is to Certify that | have read and agree to abide by ail contest rules and reguiations . ipatorey ow bovrage ss © be won, onc incl We mate things

1. awarded, and may fpr cash 6. in onder to claim prizes, winners must correctly answer a time-timfted, mathematical

| Collect Nelson, B.C. VIL SP7 Or deposit at drop boxes at

participating stores.

316 - 33 St. N.E., Calgary, Alberta : Toll-free: 1-800-661-1464; Information: (403) 248-8888