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Hf OSEAN 1 eA ULSD BARN EIR

contribution anywhere else untii you've

stopped by your nearest North Shore Credit Union brarich.

Together we'll discuss your retirement pian and ensure the

best return for your RRSP program.

*7 1/4% interest rate applies to 5 year term RRSP. Subject to uo change. :

Wednesday, February oNs Ne 7m

THE MOST sophisticated tax and investment adviser will invariably give you the the most basic financial planning advice: pay off your debts.

Don’t even think of tax shelters (other than, perhaps, a registered tetirement savings plan). Forget about quick killings in the stock’ market or real estate.

Just realize that paying off debt is one of the most tax-cffective

ways to invest. And it’s certainly the simplest and least risky . in-

To make the most of your investments, step up to the new 5 year Escalator Guaranteed Investment Certificate (GIC) or Escalator Retirement Investment Certificate (RIC), You'll receive progressively higher guaranteed interest rates over the term of your investment. And for a limited time only, you'll receive a remarkable 10% per annum for the fifth year of your investment.*

* Rates effective February 1, 1993 and subject to change without notice. Product offer

may be withdrawn after March 1st, 1993, Ask for details.

All North Vancouver Branches Fri., Feb. 26 until 8 p.m.

* Sat., Feb. 27 until 6 p.m. Mon., March Ist until 8 p.m.

* Branches normally open on Saturday only.

EXTENDED HOURS FOR RRSP CONTRIBUTIONS AND LOANS

24, 1993 - North Shore News - 17

Reduce all debts first —

vestment approach around.

That advice comes from a cer- tified general accountant (CGA) who helps. clients with their per- sonal financial planning —. from analyzing the most. sophisticated tax shelters to dealing with cred- itors. ; ;

“The concept is simple,’’ said the CGA. ‘‘Paying off a 10% debt is like earning 10% after tax.

- And finding: any other no-risk way to earn a. guaranteed 10% after tax is far from easy.”

See Reducing page 19

Escalator GICs and Escalator RICs also give you flexibility. If rates go higher in the future, you ’ have the option to reinvest early, on the 3rd or 4th anniversary date, to selected GICs or RICs. i

But if you want to step up to 10% for your RRSP now, get on the Escalator RIC today!

West Vancouver Branches PARK ROYAL Fri., Feb, 26 until 7 p.m.

* Sat., Feb. 27 until 6 p.m. Sun., Feb, 28, 12-5 p.m. Mon., March 1st until 7 p.m. CAULFEILD VILLAGE Fri, Feb. 26 until 7 p.m. Sat, Feb, 27 until 5 p.m.

AMBLESIDE — Thurs., Feb. 25 until 7 p.m. Fri, Feb. 26 until 7 p.m.

Bank of Montreal We're Paying Attention