A WORKER comes down a ramp on a freighter which is loading lumber at Lynnterm Docks in North Van- couver. United Way donations up DONATIONS TO United Way of the Lower Mainland by the end of October reached $4,865,244, 38.6 per cent of the $12.6 million goal. In announcing the figure General Campaign Chairman Gordon Wailace, president of the Credit Union Insurance Corpora- tion of B.C., said the resnonse is encouraging. “Employee campaigns are now swinging into full action,’’ he said. “Some of the early returns are just great. For example, employees of the Royal Bank set themselves a target of $200,000 and they’ve raised $219,000. And Employment and Immigration Canada employees have already passed their $80,000 target by $2,000 and are still climbing. . “Our message has been more forceful this year. As a result, we believe more people are coming to understand better the needs which exist in our community, and how they really can help through Unit- ed Way. The campaign to fund 111 agen- cies and services began September 14 and ends November 30. FROM TV. 10 STAGE SATURDAY, NOV. 26— 11 am. & 1 p.m. | North Vanc. Cent. Theaire Reserved Seats $7:00 (ptus $/c} swe we kek we tk THURSDAY DEC. 1-587p.m MASSEY THEATRE New Westminster General Admission $€.00 (plus sfc) TKTS: at all VTC/Ticketmaster joca- b tions, Eaton’s & Woodward's, info- | Centres in major malls. CHARGE BY PHONE: 280-4444 34 - Sunday, November 6, 1988 - North Shore News NEWS photo Tom Burley B Kerrisdale: 2246 W. 4ist Ave., 261-3390 #1 West Vancouver: 1575 Marine Dr., 926-4877 Gl Downtown Vancouver: 777 Hornby St. 688-942) 88 Chinatown: 129 E. Pender St.. 662-8877 %1 White Rock: 1550 Johnston Rd.. 538-2888 ae gs Lawyers * initial consultation without charge *® Weekdays 9:00-530 p.m. * Thurs. evenings until 9:00 p.m. ° Saturday mornings 10:00-12:00 YOU COULD LOSE 30% OF YOUR RRSP NEST EGG! That's right! When you-cash in your RRSP the taxman will withhold up to 30% of your RRSP savings — unless they're converted into another tax shelter. (This is especially worrisome if you turn 71 this year, since the government insists you collapse your RRSP by December 2ist.) . However, your tax impacts can be Greatly reduced by converting your RRSP into a First City Trust Registered Retirement Income Fund (RRiF). ; Plans can be developed to allow a totally personalized strategy of income and growth. thereby greatly reducing your tax rate. ONE GOOD PLAN DESERVES ANOTHER You've been good! You've saved for your retirement by sheltering your income with your RRSP. Now it's time to consider your options. What do you want to do in your retirement? How much income do you need for living expenses? Do you prefer long term investments? How can you make those retirement savings guarantee your retirement will be as you hoped and planned? First City Trust can help you plan for your retirement future through our comprehensive RRIFs. We can create a plan devoted to your specific needs. We will explain all your options clearly and precisely and show you your exact figures -- all on a compuier system designed to give you the answers in a matter of minutes — not days or weeks. And it's free! Drop by your nearest First ( ity Trust branch or authorized representative today and find out more. The taxman may be unavoidable, but you can reduce the impact with sound retirement planning. FiasiCiy Trust Exclusively for personal investment savings BALDWIN WOE IEEE ne Ee neaRaemiyntcaatibe ote Tet! sae treretememerbnnen Ana Seema ate