8 — Wednesday, February 12, 1997 ~ Nerth Shore News

THE following is a list
of recent North Shore
emergency incidents:

NORTH VAN. DIST. 7
FIRE DEPT

January 31

Number of medical aid calls:

Number of false alarms: 1

Public service calls: }

400-blk. Kings Rd.

Single-family residential fire.
Febr

uary 1
Number of medical aid calls:

Number of false alarms: 2
February 2

Number of medical aid calls:

4
Number of false alarms: 3
1400-blk. Riverside Rd.
Fire on Hydro lines.
February 3

Number of medical aid calls:
4

‘Public service calls: 1

Number Jee anuary 31 aid calls:

2
Number of fire calls: 1

1090-bik. West Esplanade

St.
Commercial/industrial fire.
February 1

Number of medical aid calls: -

1
_ .Number of fire calls: 3
Number of other calls: 1
200-bik. West 2nd St.
: partment/highrise fire.
200-bik. East 14th St. —
: Hospital ‘rest home fire.
ebruary
Number of of medical aid calls:

Number of fire calls: 1
*100-bik. West Keith Rd.
: Apartment/highrise fire.

PPGEND

ie tone
a

on" = aera tana THO
q

Minimize risks of bank card frau

THE North Vancouver RCMP offer
some tips to minimize the risk of traud-
ulent use of your credit cards or
Personal Identification Numbers
(PINs):

Wi con't carry extra credit cards,
Social Insurance Card, birth ce ifeate
or passport in your ‘wallet or purse
except when necessary;

1 when using an ATM or public tele-_
‘Phone, shield the screen or keypad so

that “shoulder surfers” cannor read your
PIN or other data as you enter them;

take ATM, credit card and other
receipts with you, and cither save them
in a safe place or destroy them in such a
way that they cannot be read.- Also,
shred pre- proved credit card offers.
Dumpster divers can get them from the

rash;
@cancel all ‘unused credit card accounts.
Even though you don’t use them, their

account numbers are recordcd in your
credit report which is full of data that
can be used by identity thieves;

B keep a list of all your credit cards, the
account numbers, and telephone num-
ber of the customer service department
in a safe place;

@ protect -your Social Insurance
Number (SIN). The SIN is the key to
your credit and banking accounts and is
a prime target for criminals. Don’t give

your SIN or any’ :
over the phone to anyone, you ‘don

with. .

One ploy that criminals v use is to’
and pose as your bank of landlord ‘ait
ask you to “confirm” your SIN and/or.
other data. : :

Report such crime: ‘to: ;
Vancouver RCMP: Economi ‘Ci
Unit at 985-1311.

ROW MONEY TO SA
EY? ARE YOU KIDDI

Congratulations.

As of this year you qualify
for $15,000 in unclaimed
RRSP contributions.

If you only had the money!
What to do! What to do!?

March Ist.

It keeps coming around, ready or not.

And every year they say you have the privilege of
catching up on your unused RRSP contributions.

Gee, thanks a lot.

Every year you start out with strong resolve.

Good intentions. Promises. You know you ought
to do it, but then March Ist rolls by and some-
how the money's not there. Your unused RRSP
contributions grow and grow, until they gel way
too big to handle. And you just give up.

What to do! What to dof?

THE ScoTiA RRSP
CarcH-Up™ Loan

(Here's a quick math version as
an example, Just to get you thinking.)

L
Borrow $15,000.
(Or as much as $50,000" at rates as low as Prime**)

2.

GET BACK $6,000 ON YOUR.TAX RETURN
AND PAY DOWN YOUR: LOAN,
(This depends on your tax raté, and other stuff.
Doesn't everything?!)

3.
Pay BACK $157/MONTH.
(Seem possible? If need be, you can take
up to 10 years to repay.)
4
WArCHEYOUR RRSP GROW TO SIO.3G6T EN
3S YEARS AND G MONTHS, WHEN YOUR LOAN IS
PAID OWT. IN 23 YEARS YOU'LL HAVE $47,856.
(SO WHO'S KIDDING?)

(Here comes the fine print. The example
above is based on the following assumptions.)

2 1)-Investor is in 40% marginal income tax bracket and is eligible for a $6,000 tax refund.
 2}-Loan is amortized over 10 years and is subject to applicable credit criteria. Loan rate

in this example is 4.75%. Actual rate may vary and is fixed for each term of the loan - 1 to

5 year terms available. 3)-Tax retund is used to pay down principal at the fourth month ~

OU pay back an additional $10,346 ($9,000 of principal & $1.348 in interest). 4)~-ARSP

investments earn an average annual compound return of 4.75% in a diversitied portfolio.
(So much for fine print. Talk to us.

We speak in large print.)

“Let's see if I ve got

that says MY INCOME TAX. The 0

7 nanie and all those numbers on it.The o

borrow! ing to save. The idea is ‘to do this on
you can catch up ‘and keep up.

it's not entirely painless to squeeze re oui anothe
$157 per month to pay back the Catch-Up
but you can do it, and live to count the- ‘rewards

Point is, you can do something.

. viet pe Sage
Because doing nothing is the worst idea of all

*
Scotiabank S
What to do.”
1-888-267-5483
‘Registered trade-mark of The Bank of Nova Scotia,
'Trade-marks of The Bank of Nova Scotia. * Subject to

applicable credit criteria. **Scotizbank's Prime rate as of
January 10, 1997 wis 4.75% and is subject to change.

wawwscotiabank.ca