Callers
question
money
expert

WHEN I go on an open-
line show, questions from
callers provide a good
indication of people's
concerns. Here are exam-
ples:

“Dan 47, past left a govern:
ment job to go out and work on
ey awn for the first time. Should
? transfer my pension tw inv
RRSP or leave it with the govern-
ment which means Uil abo quali
St for health and dental benefits
when T retire?”

Leave your pension with the
government to. diversify assets
and provide a fallback in case
sel-emplovment and your
retirement savings program
bemveen now and retirement
don’t work out.

“Til qraduate from wniversity
this April with an arts deqree, a
$25,000 student loan and
prospects of an hourly paid job.
Should go bankrupr?”

First, do everything vou can
to cur expenses (ive at home,
share a place with others) and
increase income (several jobs,
inchuding self-employment). See
if a family member couid fond
vou money aca rate lower thant
the student loan bat higher than
he or she is now earning.
Consider bankruptey only it all
other approaches have failed,
and the debt is seriously affect:
we Vour ability ro enjoy a pro
ductive lite.

Mike Grenby is a coltenmnist
and independent financial
adviser; he il answer suu'stions in
this columa as space allows but
canuot reply personally — contact
heme ar 2444 Haywood Avenue,
Wess Vancouver, BC. VPV INL
conuad MarentrMéadl. com,

Friendly
Varine

Rounding our the com-
mercial scene are, west to cast,
Realty Cafe. Howard's Paint
and Wallpaper, Marlhoxes
Et., Floward’s Pianos,
Harrison Galleries, Sunkor
Patio Bortique, McDonald's,
Dahlia Cassel notary public,
Yanaki Sushi, Duck Feet facto
ry outier, Bay Cuy insurance,
luis Carnzon goldsmith,
Olymipna  Souvieke  Flouse,
Village Square (a future
Commercal Avenues niscall
ment}, Colors of Eurape chil
dren’s wear, Elagen’s Pravel,
Rac’s Discount Store, Lohiban
Japanese Curene and Rawal
Food Afarket.

Tp yar have it bustsaie
pari Of rah tered
wv kuout 4 fo Cyan
Aventes : oo Reber Carhacr ae

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