ANICE NEW CAR,

YOUR. MAP “fo
FINANCIAL PREEDOM—
MON MY WAY Ef

and sense :

1 EIAVE yet to see a better —
‘savings approach than regu-
- ularly putting money aside —
or having semebedy else do
the job for you. Just ask any-

body who has ever signed up—

for. the Canada Sxvings
Bond payroll plan at work.

Chuck Chakrapani’s favorite
technique i is the Plus Ten approach.
: Every time you spend money, set
aside 10%.- whether it's $50 for
your $500 rent ora dime, for 3 a$l-
; up of coffee.
“This forces you to'save every
_ ‘time you spend and aiso makes you
pay more attention to your spend-
“ing,”. said Chakrapani, author of ...
Financial Freedom on $5 a Day
- (Self-Counsel, $10.95), which is
aimed at the small investor.
‘In my opening column this year,

q resolved to © gel back to the basics

OucH! +
JUST SPENT
$27,000.00
ON THESE

AND ARE You
SAVING 10%
EVERY TIME
YOU SPEND ?

WHEELS I!

as a way.to deal with a financial
world that seems to grow more
complex and uncertain every day.
These five strategies sum up my
investment advice:
¢ Pay. off debt,
deductible loans,
* Buy a home, if possible one with a
rental suite or other iacome poten-
tial.
“e Use tax shelters like registered
retirement savings plans and income
funds (RRSPs and RRIFs).
« Diversify up to your level of exper-
tise and risk comfort by putting
money into tenn deposits, mutual
funds, stocks and revenue propeny;
include some investments with an

especially non-

. international favor.

* Develop a ‘home-based or other

_ business.

_ ‘Financia! planning is much like
finding and then following a road
map. Decide where you want to go,
then choose the best (usually the
easiest) way(s) to get there. To help
you map an investment and general
financial planning strategy, ! rec-
ommend a couple of recently pub-

“dished — and free — “road”
books.
Start with My Financial
_ Roadmap, produced by the Bank of
Montreal as part of the /t is

: Possible program; call 1-800-463-

3434. This user-friendly 14-page
booklet provides quick quizzes,

. checklists and simple forms to
cover the key parts of any financial

plan: A personal balance sheet
(what you own and owe), monthly
cash flow (income and outgo), your

~~ PUBLIC NOTICE -
LOAD RESTRICTIONS

on OB

Pursuant to Section 26 of the Highway Act and the provisions of the |

Commercial Transport Act, the following load restrictions will be imposed
: within the Howe Sound Highways District.

Effective 12:00 noon, Thursday, March 23, 1995, and until further notice:

Wb LEGAL AXLE LOADING:

‘Squamish Valley Road (#1914) —

From the Cheakamus River Bridge (Kin 3. 6) to the end of the pub-

“lic toad (Km 22,7) --
v4 AD

Fenbetion Aten
Sea to Sky Highway #99 -

“From Lower Joffre Hono io the Distr Boundary al Kane Creek

- Squaraish Area
~ Squamish Valley Road ot (#649R) me
From Highway #99 (Km 0.0) to Cheakamus River Bridge (Km 3.6)

” Garibaldi Park Road (#1908) —

* From the Squamish Municipal. Boundary to the end of the public

-oade
: Ring Creek Road (#1907) -

‘= From Garibaldi Park Road to the end of the public road.

All term overload permits are invalid for the duration of tho restrictions.

Violatars of the regulations and restrictions will be prosecuted.

‘Approximate percentages of the tolorance provided in Subsection 7.06 5
(2) of the Regulations pursuant to the Commercial Transport Act are

‘applicable. -
Maria Szalay, P. Eng.
District Highways Manager
‘For J. Pement
; Honcurable Minister

Submitting Office: Howe Sound District

1690 Main Steet -
"North Vancouver

~ Dated: this 24rd day of March , 1995 ;

Province of .

British Columbia

10% A MONTH
MIGHT BE
EASIER To

HANDLE,
, CET ONE A

LITTLE
CHEAPER !

objectives. your financial needs at
different stages of life with pasticu-
lar emphasis on retirement needs,

managing credit and debt, an evalu-

ation of your investinents, key ways
to save tax, and finally the basics of
insurance and estate planning.

The Road to Financial Freedom
elaborates a litle more on each of
these key points and devotes almost
half its 26 pages to a description of
your main investment choices. You
can get a free copy from investment
firm Odlum Brown Limited, P.O.
Box 10012 Pacific Centre,
Vancouver V7Y 1A3: phone 844-
5310.

If you are serious about nanag-
ing your money better and consider
yourself a beginner, these two
guides are a great way to Start.

Mike Grenby is a North Shore-
based columnist and independent
financial adviser whoa works with
individuals; he will answer your
questions in this column as space
allows - write to him clo 2444
Haywood Avenue, West Vane OUVER,
B.C.V7V IYI.

ComMF

375 ) WATER STRE ma THE, LANDING, VANCOUVER

CHARTERED ACCOUNTANT
is pleased to announce the
_velocation of his office.

Take advantage of our FREE review
of your capital gains election form.

#350-233 West ist Street, North Van
fabove | danade 6 Theatres)

990-0550

Witnesses to Dangerous Conditions on.
Upper Levels Highway

B We are acting for a victim in a lawsuit brought against the Province
g@ Our client, as a result ofan accident on the Upper Levels Highway,
A has been rendered a # quadriplegic and will remain in a wheelchair the .

A the uccident occurred in the westbound lane just west of the f
! Capilano River bridge, and just before Taylor Way exit. :

The accident occurred in rainy weather, and was caused, by %

hydroplaning resulting from too much water. accumulating on the |

A road. surface. This stretch of road has had a great number of other §
H accidents in wet weather. If anybody has experienced difficulty or

has been in an accident in. this area as a result of wet conditions, §

f) please contact us as your evidence may be invaluable.

§ For those who have not been i in contact with us, please call: |

Elliott Myers or Beth Allard
© 641-4879 or 641-4962
Bull. Housser & ‘Tupper.

OMFORTABLE CLOTHING CRAFTED
With QUALITY AND STYLE IN THE
POLO SPORTING TRADITION —

(604) 682- 7656 :

1200. Govnr NMENT P STE ET, Mcroria (604) 381- 7656