COLUMNISTS

December 30

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BUS a En] Ese Business news? 365-5579 WEDNESDAY, Decer 30, 1992 L

Is it possible to relax during these seasonal holidays?

‘Well, Christmas Day is finally past and I hope you all had a great time. many of you are feeling totally exhausted right about now?

How many spent an entire week or month in food prepara- tion, house-cleaning etc.? And do you work full time on top of all this? I do love Christmas. It has always been a very special event in our family and I have treasured memories. So it goes without saying that I like to spend some “prep” time.

In past years I have always worked a full time career that took me away from the home

always been very hectic. There are certain that cannot be done before hand, like house work and baking cookies. (They are so good frozen) Then there's the little special treats that every family boasts as unique that take more prep time than your usual meal.

Also in past years on Christ- mas Day it was imperative that there be a major spread of food on every coffeg table in the house, all day long. Then of course the huge Christmas Turkey Dinner. As everyone sat around grunting, groaning and snoring I would dare

Bluetop _~ Burger

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to look at the “accumulation” in the kitchen which is mostly dirty dishes. Some years this is the one day I have thanked my lucky stars that I owned a dishwasher. Other years I thanked my won- derful family for pitching in to

Brenda Scatterty Lifeskills, for

the young, old and willing

help. And Boxing Day would be another story altogether. Quite “different” spreads of food as well as leftovers. Usually I would have another house full of guests and try to fit this in with outings to other people's houses as well

as do the house work anew for this new batch of company. Then if I was lucky, I may have some holidays for the days in between Christmas and New Years, but usually not. So off I'd go back to work for a “holiday”.

In truth there are many of these traditions I choose to maintain. However at cight months preg- nant, the last thing I worry about is how “perfect” everything is for Christmas morning. I have a house full of family out from Alberta to join us this year and I'm extremely excited to see them. I know they have come to See me, not for the baking I may or may not have gotten done this year. Nor the cocktail meatballs I've made every year without fail. If my bathrooms were not “sterilized” (children) exactly an hour before they arrived I’m not

worried about it this year. And who knows, I may get all this and more done anyway, depending on how I feel. One thing is for sure, I am quite exhausted without the aid of Preparations this year.

So I realize that things are a tad more “relaxed” in my house- hold this year and guess what? I love it. Therefore, I am embark- ing on a new tradition for coming years.

I now will make choices to be energetic enough to enjoy every moment of the Christmas season. To participate in the evening walks or toboggan outings. To Stay awake past eight o’clock on

i evening. And to enter into a new year feeling refreshed and alive.

Stuck without an outfit? How about his?

The New Year's Eve party is right around the corner and com- ing up on us at warp speed.

Most of you had your party outfit picked out a couple of months ago. But if you're like me, you wait until the last minute to do anything. If you've got a bit of “dinheiro” left over from Christmas, you just might shop till you drop in the many bou- tiques that are open on New Year's eve. But if you have abso- lutely no money left over from Christmas, here are a few tips on what you can do with what ever you have in your closet.

If you don’t have a suit, wear one of your husbands. If he's slightly bigger than you around the waist, just use one of your belts to tighten the pants. Don’t worry about the pants bunching up. The blazer that goes with the pants will hide it. With the blazer,

THURSDAY DECEMBER 31

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wear a white camisole. Pearls will be the finishing touch. Blow dry your hair by flipping it down and scrunching at the same time. Flip your hair back up and pat it down to your desired fullness. Use a bit of hairspray to keep the curls and

fullness in tact for at least a cou- ple of hours. If your husband's clothes are 5 sizes too big, you can wear a black skirt, length is of little importance, black blazer and white camisole. Slick your hair back into a bun with gel, wear chunky gold jewelery and evening makeup and you've achieved the glamorous European look.

If you're having an intimate gathering with a few of your clos- est friends you can wear some- thing that’s casually formal Meaning, you can wear some- thing casual but accessorize with Jewelery for that formal look.

For example take a pair of stir- Tups, a sweater to go with them, but instead of doing nothing with your hair, jazz it up by doing something funky to it such as

using heat rollers if you have short hair, for that 50’s hair style or for people with Shoulder length hair

the ends for a flip. And if you have long hair and would like curly hair, dry your hair till it’s just damp. Then, rub a generous amount of gel between your hands and distribute it evenly through your hair. ‘Dry your hair all the while scrunching it. Some of you might get a wave or curly hair, depending if your hair has a natural wave or how much gel you use.

I stated this last week and the week before and I'll keep on say- ing it. Everybody has an imagina- tion and it’s up to you to tap in on that vast reservoir. As long as you've got clothes in your closet and a few peices of jewellery (imitation or the real thing) there is no limit to what you can do.

Happy New Year.

Salmo Elementary School Staff and students were treated to an exciting performance by the Kahurangi Maori Dance Theatre.

This group of five young dancers performed Samoan,

Bonny Klovance Salmo Impressions

Hawaiian, Tahitian and Maori dances. The students were given i of the si;

/Salmo students learn another culture through music, dance

and to create cultural, educa- tional and employment for young Maori people.

Wearing hand-crafted cos- tumes and brandishing Maori weaponry, the young men per- formed fierce war dances. The women dancers gracefully twirled poi balls on the end of a string which depict a bird in flight. The dances and songs from the other Polynesian islands enhanced the perfor- mance. The audience interaction and touches of humour high- tion to the ancient South Pacific culture.

of the movements, props and language used during the dances, much to the pleasure of the audience.

Kahurangi, meaning "cloak from Heaven", brings to lifp the heritage of the native Maori people through its repertoire of tribal music. The Theatre was established in 1984 to revitalize the life force of Maori culture

In additi 1 to the perfor- mance, teachers were provided with information, suggested activities and explanations to use with the students to extend the learning experience.

This highly energetic group of young dancers certain! ly pro- vided an ente: and educa- tional activity for the students and the performance was

enjoyed by all.

Team approach to Diabetes will start in January

SUBMITTED _

The Castlegar and District Hospital Diabetes Education Service offers an ongoing day program to help manage Diabetes. Diabetes education is provided to patients and their families, health Pprofession- als and the general Public using a team approach. ‘The Diabetes team

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nurse. and clerk.

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Beginning Wednesday, January 20, the team will provide clients

with information

through lectures, video presentations and group dis-

cussions to answer your day to day questions about diabetes. You may meet individually with any of the team members to discuss specific

concerns that you may have.

A one day follow up session, three ‘to six months after fares said the

is aged. Ongoing d: to be provided by your physician.

For information on the program, please contact the Service at 365-

7711, local 356.

Seniors elect new executive First business meeting to be held Jan. 14

SUBMITTED

The Castlegar Senior Branch #46 held their last business meet- ing for 1992 on Dec. 3 with Sarah Jacobson in the chair.

Look lo lhe Castlegar Sun Yor all YOU? holiday needs

“bhing you and yours

“he holiday season! alt

The Castlegar & District Chamber of Commerce will be hosting a

NEW YEAR'S EVE PARTY

December 31, 1992 at the Rec Centre Complex

Cocktails 7:00 pm Dinner 7:30 pm Dance 9:00 pm

$40.00 per ticket DANCE TOLIVE ENTERTAINMENT

for further information or tickets Please Contact

THE CHAMBER OF COMMERCE 365-6313

TAYLOR'S PLACE RESTAURANT

AVENUES HAIR DESIGN BOOK YOUR TABLE TODAY!

The meeting was opened with the singing of Oh, Canada and the first verse of Blest Be The Tie That Binds. Two minutes silence was held in memory of Sarah’s husband, Ralph.

December birthdays and anniversary wishes were sung to some of the members that were celebrating. The new slate of offi- cers were installed and sworn in by Lawrence Chernoff in the absence of the Mayor Audrey Moore.

Sarah Jacobson being the retiring President. Isabel Gerrard. Rusty Hyde... dent

Jean Fitzpatrick. Treasurer

Jack Kelly.......... Secretary

remained

1992 Directdrs have stayed on

for 1993: Dorothy Raymond, Margaret Ford and John Moran.

The winner of the door prize was Liz Madrigga Plans for the Christmas party was finalized with the Homestead catering on the Dec. 19. Entertainment will follow with the Sharps and Flats playing and the line dancers will be performing.

The draw was made for the quilt and the winner was Judy Casey of Trail. The macrame lamp shade was won by Mary Lacey of Castlegar.and the cush- ion was won by John Moran of Castlegar.

The first business meeting for 1993 will be held Jan. 14, and the first “Drop In “Tuesday will resumed on the Jan. 19.

On behalf of Castlegar Senior Branch #46,we wish one and all a very Merry Christmas and A

NEW YEAR'S EVE PARTIES

o: WHS As

Powder Keg Pub

“AM/FM” Top: DANCE & MIDNIGHT SNACK Tickets $10

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Pas ee teak & District Aquatic Centre is hosting it's 3rd Annual Birthday Bash on January 9th starting at 7:30 at the Castlegar Community Complex. The bash will fea- ture a dinner and dance with music provided by the CKQR Music Machine. A trip for 2 to Cancun, Mexico is only one of the prizes that will be awarded at the Birthday Bash. Tickets are available at the Castlegar Community Complex.

largest

According to a survey done by the Kootenay Business Jour- nal, the Sandman Inn in Castlegar, has the most rooms in the Kootenays. The Castle- gar hotel has a total of 134 units and is followed by Radi- um Hot Springs Resort in Radium with 113 units. The Sandman Inn reports a busy season with lots of guests in town to ski.

Looking spiffy

Dairy Queen in the Castleaird Plaza has new seating arrange- ments including new table tops. Dairy Queen's clean new look also includes a recent coat of paint and new wallpaper.

New faces

Welcome to Sheila O’Shey, the new director of the Nation- al Exhibition Centre. Sheila is looking forward to presenting lots of interesting shows and meeting lots of new people Sheila and the board are enthusiastic about involving the community more in future activities.

Elected chairman

Hans Cunningham is the newly elected chairman on the Central Kootenay Regional Hospital District Board. Hans replaces Area E Director, Josh Smienk. Congratulations Hans!

Upgrade approved

Pope & Talbot Board of Directors have approved fund- ing for a $9.5 million dollar upgrade which is scheduled to begin March 1, 1993. It is expected that the upgrade which will improve efficiency, will take 5 weeks to complete and will require an extra 20 - 25 workers.

Board budgeting

The Board of School Trustees of School District #9 invites the general public to present briefs for it’s 1993-94 Operat- ing Budget. Written*bvriefs should be submitted to the School Board Office by Jan- uary 25th, 1993.

New Years Dance

Everyone is invited to Robson Recreation’s New Years Dance that will be held at Robson Hall on December 31, 1992 from 9 pm to | am. Music will be provided by DJ and a mid- night supper is included in the ticket price. To reserve tickets call 365 - 5860.

Weaving warmth

The Selkirk Weavers’ and Spinners’ Guild recently pre- sented the the Castleview Care Centre with twelve hand- woven lap blankets. Thanks to the Guild, the Castlegar Seniors be cozy and warm this winter.

Courses in Castlegar

The Worker's Compensation Board is holding a series of Occupational Safety and Health Courses for Safety Committee Members, Superyj—4 sors and Managers. The first course that will be offered is the Occupational Safety and Health Program which is a three day course starting February 9th that will focus on analyzing, developing and improving occupational safety and health programs. For more information about this course or to register contact WCB toll

Are your investments earnin

How much do your invest- ments cost you? Are they earning their keep? . Or. are the costs - some of them relatively hidden - doing more damage than you real- ize to the long-term growth of your investments? And if so, what can you do?

It's not enough to simply find an investment which will increase in value and/or provide a regular income. On the sur- face, the investment might appear to be performing satisfac- torily. But by the time you look at all the costs, that performance could well become unsatisfacto- ry. And the sooner you discover this, the better.

When you buy mutual funds, for example, you might pay a sales commission - either a front- end load when you buy or a back- end load when you sell.

Whether or not you pay this charge, you do pay an annual administration fee, often taken monthly. This cost can run as high as five per cent of the money you have invested, and these fees have been increasing.

When you buy individual stocks or other securities, again there's a cost in almost every case.

Whether you deal with a full- service or a discount broker, you pay a commission when you buy stocks and a commission when you sell. When you buy other securities, your cost might be the difference between what the bro- kerage house paid and its selling price to you a markup.

In some cases, the brokerage comniission or other fee is paid by the security issuer, whether it’s a company issuing stocks or Ottawa selling Canada Savings

aol you buy revenue proper- ty, 7 Pay:

And you should probably also put some sort of cost figure on the additional personal stress

ing costs, legal and appraisal fees and some- times purchase taxes. ~ Eventual selling costs, includ- ing the real estate salesperson's commission. - Operating costs; property

taxes, maintenance, repairs.

You should also assign a value to the time you spend working on the property, whether simply deal- ing with tenants or possibly also doing maintenance work.

Even if you buy your won home as an investment, you should include all those costs - as well as the value of your labour if you do repair and improvement work yourself.

When you invest in a business, you usually must allow for one time startup costs if it’s a new

or possibl san? expenses if. you are buying an existing operation.

You most certainly will have marketing and operating expens- es.

Again, remember to include a fair value for your time. You might take $45,000 out of the business in salary or dividends. But if you work 80 hour weeks, you also need to add a figure for the value of your “overtime” when compared with working in a comparable job as an employee.

Granted, all your efforts should be increasing the value of your business. But you must subtract all the costs involved to determine

g their keep?

Mike Grenby is a Vancouver-

individuals; he will answer your questions as space allows - write to him c/o The Castlegar Sun.

FIND IT IN THE CLASSIFIEDS

should take place before you even consider a business - or any other investment. And an annual review of those figures will help you decide whether to keep your investment.

Some of the investment costs and expenses can be reduced if you ask (like stock brokerage and mutual fund commissions, for example, or even real estate com- missions).

There's rarely room for negoti- ation with these next two costs: inflation and income tax.

Inflation steadily gnaws away at the buying power of your money. The Rule of 72 (divide the inflation rate into 72) tells you how often (in years) your buying power is cut in half.

Because you often pay income tax months after you receive your investment income or profit, again you don’t immediately associate the two.

But you need to calculate both the inflation and tax costs, as well as any other expenses, when you work out the true retum you real- ize in your investments.

Finally, there’s the ultimate cost of losing money if the value of your investment drops. That’s the cost to the risk you take, although it’s hard to quantify. At least you can ask: Is the potential of a higher return adequate pay- ment for the risk involved?

Home and business security offered for seniors and owners

SUBMITTED

Help is a heartbeat away, Says the ownér of a new home automation and security busi- ness in Nelson

“For seniors who want to live independently in their own homes as long as they can, a Personal assistance system is invaluable,” says Lionheart Consulting owner Robert Mil- ner, on Nelson's North Shore.

Milner sells an innovative electronic system which allows the owner to call for help by pushing a button on a pendant wor around the neck.

“The pendant is actually a small transmitter which com- municates with a control box near your phone,” explains Milner. “Pressing a button on the heart-shaped remote tells the controller to sound an alarm, flash lights and dial four pre-arranged numbers until someone answers.”

Once someone answers —

the fire department, for exam- ple — a pre-recorded voice says “... press “O” and listen”. The unit then allows the fire department to listen into your house and determine the cause of the problem.

“These small, inexpensive devices allow people to feel secure without someone watch- ing over them constantly,” says Milner. They also allow your house to monitor and guard itself.

Motion sensors and alarms can trigger a system to call four numbers. Whoever answers — your neighbour, for example — can “listen in” to your home to determine what's going on.

“Home Automation literally revolutionizes the use of elec- tricity,” says Milner. “It can save you money on your elec- trical bills by turning down the heat at night, turning off the lights and controlling your hot water heater, contributing to sound economic and environ-

mental lifestyles.”

“Anything that runs on elec- tricity can be controlled remotely,” says Milner. “The beauty of this system is that there's no tearing down walls or cutting holes. They used existing house wiring and are very simple to install.”

The system has many uses for business. Electronic door locks and motion sensors, for example, can discourage break- in. Remote controls can turn off business equipment, com- puters, and delay electrical usage during peak hours to lower costs.

Homeowners, part time resi- dents, the elderly and disabled can all take advanced of this advanced technology to make their homes safe and conve- nient.

“You dream it, Lionheart will do it,” says Milner, who also provides Construction and Mechanical Drafting Services.

Silver Rattle Antiques 301-11 Ave. Castleg (in Tulips Building) 365-5191

The navigation lock at Hugh Keenleyside Dam will be closed to river traffic December 25, 1992 and January 1, 1993

C, Hydro apologizes for any inconvenience this may cause

BChydro &

WHEN THE NEED ARISES, WE'RE HERE TO HELP!

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On behalf of the management and staff of Ely's Boutique and

Bonnett's Mens Wear, | would like to extend.

to Joan

Andrade of "Touch of Fashion" and her lovely and/or handsome models

hhh ite anal TT)

free at 1-800-663-4962.

Youre our VIP!

At Castlegar Savings Credit Union every member is important to us. That's why we're introducing our new

V.LP. term deposit for you!

Castlegar Savings Credit Union's Variable Investment Plan now gives members an innovative new high yield additi portfolio.

The Variable Investment Plan is a variable rate term deposit that pays you interest monthly based on the credit union’s own successful mortgage yield — which has consistently performed better than the average market return!

For more information, drop by either office, or give us a call.

Minimum deposit $10,000, yp to a maxims of $100,000. Rates are set the first of each month, and are based on the pul Drmeeneeemnin compliance with the Credit Union Deposit Insurance Corporation (C.U.D.I.C)

1 Castlegar Savings Credit Union Castlegar Branch: 601 - 18 Street, Castlegar * 365-7232 Slocan Park Branch: 3026 Highway 6, Slocan Park * 226-7212 To All Cur Readers Tilayyy Wew Year!

i Rees

Credit Union

Variable Investment

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for making the November 29 Fashion Show a success and a show to remember. We would like to thank those who volunteered to do all those little details, some of which appear to be minor in nature but nevertheless necessary. Our special thanks to Heidi Smee and her group who did a wonderful job on the make-up of the models.

Since our models are under training, Ely's Boutique decided to make this modeling a fun thing wherein everybody participates.

We did this with our photo session with the Castlegar Sun and that was very successful. Our spread in the Castlegar Sun is the best | have seen. Ely's Boutique threw the entire store open to the models and their mothers and some fathers and let them choose the clothes they wanted to model - with some guidance from myself and the mothers. There were some differences in opinion on the choices, and when this happened I made the final decisions from experience | know what will look good on you. This decision making on what to wear is an important thing, we have to make these decisions everyday.

If you can not decide on what to wear, ask your mother or come to Ely's Boutique or Bormett's. | am sure we can help you out.

I must say that the models were all very enthusiastic and cooperative, and as the saying goes, they all have personalities that will launch a thousand ships. I had fun working with all of them.

Merry Christmas and a Happy New Year!! Ely Santos fae

que

* 365-2432

Ely's Bo

295 Columbia Ave., Ci