THE ANGEL stood outside “the open church door and smiled as we drove by. ‘Let’s go in,”’ said my. wife ; Mandy. (She's very good at spot- ing the kind of sign to watch for -when you want to enrich a holiday io experience and get the highest personal return from your travel ‘back to the. 113-year-old wooden Paia Hawaiian Protestant Church cated 19 km ‘northeast along the - coast road from‘ Maui’s main air- port in Kahului. giegation to watch the ne angel and .: ‘other children” perform a ‘nativ- Y Pageant. : “They. decided only vested y were going ‘to do it,’ "said © “gl fees:and ae wer tax chase ofa new. Tesi- “re Grenby “DOLLARS: AND SENSE -° . teal), chicken tong. rice, poi (made “from taro), rice and banana cream _ pies ‘Locally: grown tangelos formed | part of the table decorations.:We. *.-each took one home along with a "gift package of candy, nuts. and. more fresh fruit. ° vlt's an old tradition,” Ham | said. - "Mandy admired the festive’ ‘hakulei (a circular headdress of -woven mountain leaves) one “woman was wearing... ... we “I's for you,”. said the woman ‘head, my . This whole experience of local 2 hospitality has been‘one of. the highlights of.our, stay.. Yet you see, relatively fevi tourists here in Pala; :30-45 minutes:drive from the: .. main hotel and: condo: ‘develop- ‘ having ‘trouble’ with'is where your ‘employer : makes’ a- lump “sum al- lowance: ‘(knowa as ¢ an ““‘accom- modation.: differenti = pensate you. Revenue Canada’ takes" the view m hat’: ‘an, callawance is, one: thing “(and itaxable): ‘while ‘a’ reimburse- ‘ment ‘is something: else (non- “ax: able)... : So: ‘where, there’ s: an’ ‘actual: loss ; Revenue’: Canada "S Jong with ithe. 0: But + they: obviously : ‘don't you: to: “get: a: differential,’ they. view as a taxable benefit: The decision to relocate, at is “not ‘an “easy: one to make.’ ‘when the reimbursement of'a wide ®: rangé of expenses is guaranteed, it | The North Shore's s only Full Servios Investment Firm . “SECURITIES ‘ee "MEMBROF ROYAL BANK GROUP rte ~tand placed the wreath on Mandy's: oe *Fananclat services: ranging. from’ compre-|'- investing in Lical o culture Kihei to Kaanapali and Lahaina. Although we are visiting Hawaii, this meet-the-locals ap- proach applies to most holiday destinations for most people. Some travel this way all the time. They — and you if you have travelled close to the land can attest to the enriching {and eco- nomical) experiences which can result, The key is to open yourself to such non-touristy adventures. Watch for opportunities and signs — like an angel standing in a church doorway. Have the courage to explore off the beaten _ track, to ask questions. If you tend to stay in hotels, look into bed-and-breakfast ac- commodations or a home ex- change. Perhaps rent a local apartment or house, — - You could stay in the hotel for the first few days while you look around for nearby vacation rent- als; check the local paper and contact realtors. Some Third World countries might not offer these options, but you'll never know what’s possible “until. you try. If nothing else, the investigation itself will lead to ex- periences with local people. “If you buy local handicrafts and cart to take home, try to find out who makes the items you are con- sidering, For Christmas Mandy. and I gave edch other.a painting .we bought directly'from artist. » Terry McDonald (probably for’; less than we'd have paid in a : gallery) and hada delightful visit : with her‘and her. husband i in \ their _ home high‘in the hills.?' * Walk around local areas ‘as - van n employee. cel . -Indeed,:) many, “people would ‘simply refuse to move unless they | “had that-assurance. - ‘So if you | should be. offered a move by, your, employer, . ‘there’s ‘a’ J *.« lot of: thinking and tax ‘planning to -be done before you agree. . “And ‘remember, the’ move must : -be within ‘Canada — and. at least "40 kilometres closer: to. your ‘new ; : workplace than your old: home .; _Lariy. Bookman is a Canadian 2 chartered . accountant’ and’ a ‘tax .:- partner with Deloitte & Touche, a Metropolitan Life is pleased to anngunce David R. Hildreth‘as Granch Sales Manager| of thelr Westcoast Gateway Branch located] | ~ at.4150 +4055 West Hastings. Street, Vancouver, B.C. V6e 259) Tel, 669: 9220 - Fax 688-3214, . David: has been Inthe: Life insurance] «. [Business since.1960, and fas an extensive sales management career. >: . David's .vision for the Westcoast Gateway’ : organization Js that of a professional part- nership of assaciates, staff and manage-|:. ‘pment providing exemplary service for. their - ‘yctlents.” : Metropolltan Life offers.a full range of hensive financial ‘services - business insur- ance’ - traditional jife Insurance and segre- gated funds to mention only a few. Career: opportunities with Metropolitan also exist! : Min sales and management positions.“ |. -}Do. call or visit our Westcoast offices for] © é more Information and we remind you much as possible (check with the police if there’s a question about safety). if you see somebody working in a beautiful garden, tell him or her how great the place is, If you like animals, talk to the owner, We became Iriends several years ago with ophthamologist Bobby Dirks and her veterinarian husband Ron Moyer in Makawao when we spotted a three-legged kitten in their yard during a walk _and stopped to chat. Most ordinary people around the world are decent and, given the chance, friendly. The next time you travel, give them the chance, {t's another of those per- sonal investments which almost always pays off. Mike Girenby is a North Shore-based columnist and in- dependent financial adviser who works with individuals; he will answer your questions in this col- umn as space allows — write to him c/o The North Shore News, 1139 Lonsdale Ave., North Van- couver V7M 2H4, Find out how. to decide which fund i is right for you befere you make your RRSP. investment decision thi is year. ‘Call for this free report, and we'll also send ‘Rick Peterson Financial Advisor an updated quarterly’ report. on our : Recommended List of Investment. Fund Managers. ° Call Rick Poterson Sr. Vice President “> Financial Advisor Tel. 640-6510. a a euue CHIP: THIN IO" “Guest 1 Speaker: wana Be ‘Bennett + Thursday, Jan. -20, 4994, 7 9p P: m. “Tickets available esirough. C. M: Oliver & Company RRSP “make the right choice. Contact your National Trust RRSP expert to discuss , _ your options. = Fixed Term Guaranteed Plans: - + Flexible, Convertible Plans = -7 different Mutual Funds : --1407 Lonsdale Aveniie North Vancouver, B. C.