Tel Wrking Opporturty Fund ist fox assisted

*jnvestinent program that brings te business,

bour ond government. Its portfotia consists of

equity érvestments in B.C. busineisés, treasury bill’

ond olher i investment grade secur,
: form more information,

‘servings per Spprasimately 476 fore taxcble income prospactvn Witch contains full deais ofthe Oltrng.
625,050 wed apprancly B3t for aor csr $80,000, :

For every dollar invested
you will receive:

20¢
Provincial,
fox Credit

20¢
Federal
Tox Credit
Savings

4G¢ |

"xr

x Sviny
with RRSP
tontribution®

20¢
Actual Cost

of Your
lavestment®

WORKING
OPPORTUNITY
FUND °

“YOU CAN s save both money
and. the environment if you
take a hard look al your trans-
portation needs.

After the costs of running a
home, the biggest expense for most
people is owning aca

And that means one of the best

ways to save big.moncy is 10 cut’

back on vehicles.

“The double bencfit-is that as
you help your own financial situa-
lion, you-also heip the environ-
ment,” said a CGA who has made a

cost-benefit analysis of various

conservation approaches, .
The first step is 10 look at how
much it is costing you to buy and

‘operate your vehicle(s). .
Your credit card statements and:

cheque“stubs should help you cal-
culate the operating costs — gas
and oil, maintenance, repairs, insur-

ance, licence and perhaps loan.

interest. Calculate the annual cost.
Then look at the difference

between what you pay for-your car

and how mucly you sell itfor'a few

years later, Divide that figure by

the number of years. you owne the:
car.)

(IH you have trouble working out:
how much jit costs to run your car,:
contact the Canadian Automobile:
Assaciation, which produces annu-
alfigures on car-operating expen
es.)

Are you prepared to continue
spending that money -— and’ proba:
bly a bit more as time “goes by! —
each year? Might there be a way to:
-feduce those expenses? ©

“Ht you have more- than: one ‘car’
in the family, could. you possibly
manage if you sold -a-car?" asked"
the CGA, “Could you, walk, :ride:
bike or tke public. transportation?

'- Even if you pay for a taxi:now:
ahd again, and perhaps,rent:a_c
several times’a year, you: will’ ‘prob
ably find. you. are’still betterof
financially —=.and you will certain

“ty have contributed fewer: emi
sions to the: atmosphere.

‘ better mile: IBC: would ag ig
both your budgel: and the ‘environ:

e Consider all
your options.

a straight terms, mutual funds 7

or a self-directed RRSP,

or Vancity has all the options. ‘

"Consider our Syear Index:

. Linked Jerm* that offers the .

“growth potential of a stock

‘ market index without risking
_ your principal. Or our 5-year
, Escalator® Term and 2-year

Extendibles* Term ‘that

“provide flexibility if rates

1

, increase; protection if they fall. .

*Avallable Feb. 1194 to Mar, 31/94,
**Available until Mar 31/94, -
@Registered user of trademark.,

‘Go for the

finally decide upon, VanCity

1-5. year mon-redeemable

"terms. We'll also pay you an-

best rate.

. No matter which RRSP you

assures you top rates. For

- instance; we'll meet or beat

’ the major banks on regular

extra 3/8% interest to switch
your RRSP from any other
financial institution to. a.
regular VanCity 1-5 year RRSP.

Term, or to purchase our 21-

“month Bonus Term RRSP.

(Promotional offers are available untit

- Borrow. zt less
‘tham prime.

Even ‘if you don’t have the.’

funds : set aside right NOW, ":.
VanCity has two ways to keep | |
building your RRSP. You can ~
borrow the money at 1/2% ;
“ess than the prime rate. or, ,
’ take advantage of our auto-
“matic: RRSP. deposit plan.

. Either way, you" re e getting all:

the benefits of an RRSP with-

out straining your finances,

Isn't your future too impor-

tant to miss even one year?

Mar, 31, 1994, and may not be combined).

Bolt all .
by phone.

“Whatever your RRSP: needs

_ this year, you'll be: hard “

pressed to find a wider range

of options, a better set of.’

“rates, or more. ‘innovative: .

‘

“thinking. But there's stil 7
; another way we've made your
decision easier. It's called Tele- : :
“Service, instead of spending 3
. your time standing in an RRSP .
line-up, you can-do ital by

: phone. To-find out just how ;

easy it can be, call 877-7000.

WR’RE VANC ITY.

B77 +7000 THE OPTIONS. THE RATES. THE ANSWER,