32 - Sunday, February 14,

1999 ~ North Shore News

Be financially fit.

Getting in financial shape is
often easier than people
think. It requires
commitment. a little
discipline and a solid
investment strategy. Anyone
can get there. Richard Kortje
has the expertise and .
commitment required to
make your financial goals a

Two Green Machines available

realign. Richard believes in
stead. sustainable growth.
With a client relationship

based on trust, and mutual
decision-making. financial
health is always cutainable.

¥

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Cast your vote
in today’s paper!

981-5650

FRIDAY
9:00-5:00pm
10:30-5:00pm

24 hours a day

e’ve Moved: ||

Our Westview Branch has moved to

Edgemont Viliage.

The staff from both locations now
welcome you to visit us at our
Edgemont Village location at:

3190 Edgemont Bivd.
North Vancouver

To serve you better, we are pleased to
announce that we have extended our hours
on Saturdays and are now open Mondays.

NEW HOURS
MONDAY-THURSDAY
Branch 9:00-4:00pin
Tellers 10:30-4:00pm

Create your own savings plan

Sheila Kilpatrick
Contributing Writer

IN all likelihood there is

a correct mathematical

solution to meet every

family’s financial needs.
Chances are, you've heard

most of them:

B pay vourself first;

@ pay off the highest: cost of

credit first;

@ take advantage of the power
of compound interest;

B don't forget about dollar
cost averaging.

All these financial strategies
can bring financial stability or
even prosperity to the people
who use them,

The problem is, they’re only
a solution if they work for you.

[tf your non-discretionary
expenses exceed your income,
paying yourself first is going to
be pretty hard to achieve. Ef
you pay off your credit card
only to run it up again in a few
months, paying off the highest
debt first may just be an exer-
cise in getting nowhere.
Compound interest and dollar
cost averaging only have power
ifthey’re fuelled by your invest-
ment — pretty hard to achieve
if you're barely scraping by.

The fact is, putting together
a good financial plan requires
more psychology and common
sense than math, especially
when economic times are
tough.

What do you need to know

SATURDAY
9:00-3:00pm
10:30-3:00pm

before putting together a finan-
cial plan that works for you?
Take stock of yourself. Do
you avoid opening your mail so
you wort have to face your
credit card balance? Do you
know you're out of money only
when the bank machine glares
back with “insufficient funds”?
Or are you the kind of person
who finds comfort in tracking
every penny?
No matter

how you

approach finances, smali steps
can help you gain control and
make a big difference.

Take this first small step. Jot
down everything you spend on
basics cach month: housing,
food, transportation, heat, day-
care and so on. Add these core
expenses up. (If they already
exceed your income you'll have
to do some serious reassessing.)

Now add the “nice to have”
expenses. If you don’t have a

Financial & Tax
Planning / ;
Mutual Fund Investing |

»> RRSP's - Tax Time Bomb?? Retirement Planning
> TAX SAVINGS: Mutual Fund - Annuities!
> WORLD MARKETS - Outlook for 1999 & beyond

Guest Speakers:
cst Karl Palmen, C.L. Group Feb 23 °
i Bruce McAdie, Fidelity Investments Feb 16 & 20

SEMINARS
SAT., FEB 20-£0:00 am

Park Royal Hotel, 540 Clyde Ave., West Van.
TUES., FEB 16 - 7:00 pm
& TUES., FEB 23 - 7:00 pm

Lonsdale Quay Hotel, 123 Carrie Cates Court, North Van.

CANADIAN INVESTMENT CONSULTANTS

(888) INC.
Andrew W.S. Donald President
Pervez H. Patel Investment Manager

RSVP to Jeroo or Margaret at
436-3556 to reserve seats,

Co-Sponsored by:

NEWS photo Mike Wakefield

START with small steps and regain control of your finances. By keeping track of
what you spend you'll see where you can save more money.

clue about what yours are, try
tracking them for ovo weeks.
“Nice to haves” are things that
put a smile on your face or
make life a little easier.

Next, track down the “hid-
den” costs you might not be
aware off charges to use your
bank machine, interest on late
bills, Jong distance charges in
prime-time hours, cell phone

See First page 37

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