NSCS answers your financial queries YOU SAY you need financial advice or help preparing your taxes but you can’t afford to pay the going rates. North Shore Community Ser- vices (NSCS) may be able to help. If you are a senior or on a fix- ed income, NSCS has a tax preparation service offering return completion by trained volunteers. This year the service will be pro- vided by about 15 people, and starts March 1. Although the service is available By Pamela Lang Features Reporter Cruikshank do make house calls. He said that arrangement can be beneficial to both the volunteer and the person seeking assistance. ding transportation to the office while others may not bring all of the materials needed to complete their return. One of NSCS’s primary services is to answer questions, said Margot Kiss, a seniors’ legal in- formation counsellor. They will answer questions about all government programs and, if they find that you are You Have Worked Hard To Build Your Business! Have you developed a plan to: ® guarantee its future financial success ¢ transfer ownership with minimum taxes 688-7208 “Advice is only as good as the person you ask...” ZLOTNIK, LAMB & COMPANY Estate Planning and Retirement Specialists 1200 Park Place, 566 Burrard Street Vancouver, B.C. Y6C 2X8 (604)688-7208 Toll Free Line 1-800-663-3171 eligible, NSCS will help you to fill out the forms needed to apply, she explained. NSCS also sponsors seminars, often held at seniors’ centres, on such topics as financial planning, RSPs, and tax sharing. As well, they will offer financial information to those who need help getting started. “We respond to all queries by seniors,”” said Kiss. And anyones with a limited income can call NSCS (985-7138) for legal and fi- nancial information or counseli- ing, she added. Cruikshank explained that some at their 1060 Roosevelt Cres. of- ’ of their clients have trouble fin- fice, volunteers like Herb : be 4 Paul Milley BSc., C.L.U., CH-EC. _ NEWS photo Nel Lucente RETIRED ACCOUNTANT Herb Cruikshank is one of the North . Shore Community Services volunteers who prepares tax returns for people on fixed Incomes. TYourR 1991 RRSP AND| IWHAT TO DO WITH IT 4] Every year for the last 10 years we have taken it upon ourselves to | prepare a list of recommendations we think the most appropriate for fe your RRSP contribution. This year is no exception, except that we & fF have added a number of, for us, brand new items. Our 1991 RRSP # m Kit includes all of the following: 1) Our premier Mutual Fund choices in a Canadian market which, by some measurements, is at its most attractive level in aver 30 - years. ; E 2)\f you prefer stocks to Mutual Funds, we have prepared a list mM = especially suitable for your RRSP. 3) Some investors prefer “quarantees” in their RRSP — we have y ‘prepared a report explaining the best of the “guaranteed” options. 4) January 1991 saw the initiation of a complete new set of “RASP RULES" Many investors are still confused by the new contribu- tion limits, ihe $8,000 over-contribution allowance, the foreign con- tent limit, ete. We explain it all in our report entitled “The New RRSP Rules.” 5) Finally in this package, a discussion on the merits of having your _ own Seif-Administered RRSP. The advantages, the costs, the ser- m vices, the statements of account are ali explained in this report. A For your ‘1991 RRSP KIT” please cai! 844-5380 or 1-800-653-0706 ™ (BC. Toll-Free). Fax this ad to (604) 669-6392 or compiste and reiurn f the coupon below. aS ae SE # GENTLEMEN, PLEASE FORWARD YOUR 1991 RRSP KIT. Pes Anan For 5 YearG..C's Settle for more with a Win-Win RRSP from Central Guaranty Trust. Central Guaranty Trust has always offered safe and secure GICs and Debenturest and now we offer one more way to puavantee your RRSP eaming power. Come in and arrange to purchase or renew your RRSP GICs or Debentures even if your funds are not available right now. With our Win- Win RRSP offer, you'll receive the published rate on the date you speak to us or the published rate for an equivalent term on February 29, 1992, whichever is higher. YOU WIN If rates go down because you've already locked in today’s high rates, YOU WIN Even if rates go up because we will pay you the higher rate. So no matter what happens to interest rates, YOU CAN'T LOSE. DON'T DELAY This offer is time limited so speak to us today to take advantage of the Central Guaranty Trust Win-Win RRSP for GICs and Debentures — today's rates ‘for tomorow's invesiment. *5-year term on RRSP GICs and Debentures. Rate subject to change. tIssued by Central Guaranty Mortgage Corporation, a wholly - owned subsidiary of Central Guaranty Trust Company. For our current RRSP rates, cali 1°800+26-TRUST. CENTRAL TT GUARANTY CENTRAL GUARANTY TRUST COMPANY Because Your Money Deserves Professional Attention” Member of Canada Deposit Insurance Corporation Park Royal Shopping Centre 2040 Park Royal South, West Vancouver, B.C. Tel: 922-0158 CHRIS TIDD/ANDREW EISENBOCK ODLUM BROWN LIMITED 1800-609 Granville St., Vancouver, BC. VYTY 1A3 ‘TEL: 844-5389 (24 Hours) or 1-800-663-0766 (BC. Toll-Free)