~w @ Schwing! Alternative Golf Magazine $5.50 A magazine for golfers who might not be reading a golf publication. Sc/wing! is for people previously intimidated by the games haunting repu- tation. A fresh perspective for the up and coming golfer. Feature interviews with Primus and Offspring. W® Biography Every life kas * a story. $3.99 Published monthly by the A&E Television network, - this month features a close look at Nicholas Cage and his climb to fame. Biography is packed with many other features and not necessarily just on Hollywood or the entertainment industry. Well worth the read. 8 Airways A Global Review of Commercial Flighe $6.95 Where you can find out the latest on the airline industry. -@-~ UPS takes on the “Human Cargo” Market, Ryanair jump-starts the Irish Airline industry and alse learn about the history of the Martin Clipper. «_. Mi Mercator’s World The ~ Magazine of Maps, Exploration, and Discovery $9.95 Maps! Searching for a lost . Incan Refuge in Peru; an account of Lindbergh’s his- toric flight; and the epic friendship of Lewis and Clark. -— Magazine reviews every Friday in the News from Jason Black at Global News, Scotia RRSP Catch-Up loan Believe it or not, the Scotia® RRSP Catch-Up™ loan actually allows you to save money by borrowing money. Maybe that’s why more Canadians have used it to top up thei RRSPs than any other loan. if money's a little bit tight this year, or you have unused contribution reom in your RRSP from previous years, the Catch-Up Joan can make a world of difference. ° Catch up and take full advantage of unused contribution room in your RRSP. * Build for the future by reducing taxes now. “Try this exercise. Borrow $15,000. (Or as much as $50,000° at rates as low as Scotiabank Prime‘) * Get back $6,000 on your tax return and pay down your loan. {Assuines a 40% tax bracket. Yours may be different.) * Pay back $173/month. (Seem possible? You can choose whatever repayment period works best for you, from one to fifteen years.) * Watch your RRSP grow to $21,246 in 5 years and 4 months when your loan is paid out. « In 25 years, you'll have $76,787. Obtain your RRSP Catch-Up foan by phone. 1 800 528 3211 www.scotiabank.ca Putting people first. » -- Pct Park Roya @ Registered trade-mark of The Bank of Nova Scotia. ™ Trade-marks of The Bank of Nova Scotia. * Subject to applicable credit critena. ** Scotiabank’s Prine rate as of January 13, 1999 was 3461 O° e-mail , 6.75% and is subject to change. The example above is based on the folowing assumptions. 1) Loan is amortized over 10 years and is subject to applicable credit criteria, Loan rate aver the life vt d@sprint. of the loan is 6.75%. Rate is fixed for each term of the loan - 1 to 5 year terms available. 2) Tax refund is used to pay down principal at the fourth month - you pay back an additional $10,876 , ($9,000 of principal and $1,876 interest) over the remainder of the amortization. 3) RRSP investments earn an average annual compound return of 6.75% in a diversified portfolio.