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Ask the right questions

Best investors are those who are informed

IF YOU want to know what's the best investment for your RRSP,. don’t expect financial consultant Roger Latta to pro- vide an immediate reply.

By lan Noble News Reporter

To answer that query he needs to know what the purpose of the investment is. What's right for one person may not be right for another, Latta told the News.

__ Investors have to ask themselves a number of questions before decid- ing how to invest their money, said Latta, of North Vancouver's Roger Latta and Co. Ltd.

_ Such questions include:

_...-— Does the investment meet my objectives?

— Does it meet my financial goals? - vo! == What is: my desired result “.? from investing? Is it wealth, com-

fort, early retirement, travel, something else? What are the tax implications of the investments? = “It’s knowing how to ask the questions to make the information

. work’: for -you that’s - ‘important in

designing . your. program,” said Roger, noting there’s no shortage of - information available. “It’s kind of like the Internet,” , Said. his ‘son. Marc, an. investment consultant with Roger Latta and Co. “A whole bunch of information, but Unless you are able to define and. know what you're after it’s totally useless.” - Such,‘ is. also. the way with RRSPs, say the two. People should tep back from the RRSP fervor at ‘this time of year and ‘ask the right questions. «Roger recommends . RRSPs for - people’ in'a high ‘tax bracket, who.

_can afford to put money in an RRSP. - ~ without borrowing, and who use an’

: RRSP a as a part of long-term retire- rient planning. For low income earners, putting .

ney into‘an RRSP may not be a -

: good idea, said Roger. For:those who attempt to pick

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NORTH VANCOUVER’S Roger and Marc Latta recommend that before juraping Into investments, investors should get to know their own needs and answer pertinent questions.

the perfect opportunity to invest, Marc warns that “timing the mar- ket” is difficult to do: “If people are looking for ways to maximize their return on their RRSPs they should have their portfolios structured in a way that they have different assets in categories that perform different-

ly at different times.”

Roger and Mare Latta will be speaking at the Nerth Shore News Financial Forum on Saturday, Feb. 10° at the Capilano College Sportsplex starting at 10:30 a.m. Tickets are available through the North Shore News (985-2131).

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Jane A. Milner, president and CEO, of North Shore Credit Union (NSCU), announces the appointments of Steve Canning as director of business develop- ment. and Sheifa_ Kilpatrick, John Allen and Tom Dutta as sales managers,

_ Canning has served with NSCU eight years and was pre- viously manager at Lonsdale and Landmark branches. He

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Sheila Kilpatrick

will be directing new business development for all branches of the credit union.

Kilpatrick's appointment re- flects the significant contribution she has made to NSCU in many capacities over the past 21 years. She returns as sales manager to the Lynn Valley branch after having served in various management positions in other areas of the credit union.

Sunday, January 21, 1996 — North Shore News ~ 17

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Why the 6:00 news should -

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He

your RRSP investment! with Barry Lavalley Fidsiiy sawectmaeta: : Before you make any RRSP investment decision this. 7

year, you owe it to yourself to attend this important: presentation!

Tuesday, January 23 Lonsdale Quay Hotel

Peter Conlon 685-2214

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7:30pm. North Vancouver »

Alan McNulty |

John Allen Tom Dutta | Allen's work with two national financial institutions has provided him with branch management and customer ser- vice experience. He is a gradu- ate of UBC and has completed his CSC designation. . Dutta joins NSCU with 12 years of experience in the finan- cial industry. His strengths are, in training, development, mar- keting and sales. Dutta holds a

diploma in Sales and Marketing from UBC.

North Shore Credit Union has been providing financial . services to its members since 1941. With nine branches situ- ated in North Vancouver, West Vancouver, Whistler, North Burnaby and downtown Van- couver, NSCU also operates. four offices of North Shore Insurance Services Ltd.

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