SSS ms Page 18 December 1989 Cassiar Courier Fortune Financial Group Den P. Linch Management. Ltd. — Planning | — Guaranteed Deposits year, and 200-653 Harvey Ave. Kelowna, B.C. V1Y 6C7 Bus. (604) 861-5022 1-800-663-4841 Fax (604) 861-5350 — Mutual Funds — Life Insurance — Annuities — R.RLF.,s — R.R.S.P.,s Setting Your Financial Goals With the hustle and bustle ot daily lite, many of us have little time to think about long: term goals such as saving money for the downpayment on a house or finding a way to pay for your children's university educations. Lite is comfortable, the bills are paid, and there's a little money left over. That is why it is important to take the time to. assess your. financial status, decide what your finan- cial needs and goals are, and find out how to achieve them. To set financial goals, you have to know yourselt and = your family. Your first step is to establish your net worth, the difference between your assets and your liabilities. Your as~- sets will include cash savings, Canada Savings Bonds, the cash- able portions of lite insurance pol‘cies, jewelry, cars, boats, Adolf Penno, CMA Planning Consultant — Disability Insurance RRSPS and, if applicable, the equity in any property or busi- ness. Then, you should add up your short-term liabilities such as charge accounts, credit card bal- ances, loans and taxes due this calculate your long- term liabilities such as mort- gages or business loans. Another important to determine whether you ~ have enough cash reserves, equal to about four months' of salary, to cover emergencies such as loss of income from illness or unemploy- ment. Do you have enough cash to cover any short-term needs or activities such as your. annual holiday or the purchase of a new appliance? After looking at these expenses, how much cash is left to invest? If there isn't very much, then you should look for a way to make both your fixed and liquid assets more productive. This is when you examine your long-term goals such as buying a home, a cottage, or taking an exotic hol- iday. Do you want to move to a larger home eventually or another neighbourhood or city? Do you want to send your children to a local community college or uni- versity, or to one outside your community? What kind of you expect to lead when you re- tire? Will you have the income- necessary to support it? It's hard to establish a point is lifestyle do precise dollar value these questions. may need to consult an expert such as a financial planner or investment advisor who can advise you how much you will need to €arn to support your long-term goals and to suggest how you might do it. These experts will likely suggest such investments as mutual funds, real estate, or a carefully selected common stock to most of That is why you portfolio. Mutual funds, in fact, may be the most attractive option because they are liquid, are diversified and managed pro- fessionally. Thinking about these types of investments is. an important step in achieving these goals. However, once you have es- tablished a plan, give it enough time to work. You won't become a millionaire overnight, but you will accomplish a great deal by consistently reducing expenses and debts, planning your taxes carefully and, most of all, sav- ing and investing. Consider all investment options carefully with the help of a financial planner or invest- ment advisor. Just as you would consult a doctor if you had a medical problem, you should seek investment advice. Though your financial goals are highly personal, you need an objective opinion on how to select an investment that will help your dreams come true. PTARMIGAN PLAYERS by Iris Trask - Our Club is once again Shar - ing our talents with the com- munity ot Cassiar the entertainment RENS'S CHRISTMAS PARTY which is on December 16th, beqinninq at 1:00 P.M. This is the Ptarmigan Player's Christmas gift to the children ot Cassiar. Now that we have the profits from the Holloween Graffiti Dance, we are able to go ahead with plans for a DINNER THEATRE in late April. The evening's entertainment will include a 25 minute melodrama, a couple of short skits, a dance number and singing. The teens are continuing to meet every Wednesday night to rehearse a version of CINDERELLA, which will be presented in mid February. The Junior at the CHILD- group (K7) are enthusiastically rehearsing their play PERCIVAL, THE PERFORMING PIG, which will be presented it early spring. These two groups are a delight to work with as they are very dedicated and are keen in developing their drama skills. (It also helps that they love .to be on stage!) Our club has just finished the cumbersome task of cataloging all of our costumes and proper- ties so that we know exactly what we have on hand and will be able to locate specific items quickly and efficiently. If you or your club would like to RENT ANY OF by providing: OUR COSTUMES, you may contact our costume representative Howard Baker, at 778-7367. While you are sorting through your trunks and boxes at home, we would appreciate receiv- ing COSTUME= DONATIONS: Contact Norma Ray, at 778-7243 or Iris Trask, at 778-7664. Last’ year.-our club met it's goal of purchasing a MAKE-UP KIT which we will share with indivduals or clubs at the following prices. $3.00 $5.00 yasic face make-up. complete face make- up. $ 10.00 special effects face make-up. Contact Iris or Norma if you would like to arrange for the use of the make-up kit.” Remember....we are always LOOKING FOR NEW MEMBERS, so. if you have any interest in having fun, drama-style, let us know! Dates To Remember . * Children's Christmas Party December 16, 1989 1:00 P.M T'Was The Night Before Christmas....And Santa Wasn't Ready. * Teen's Production of "Cinderella" February, 1990 * Jr. Ptarmigan's Production of "Percival, The Performing Pig" March, 1990 * Adult Dinner Theatre 1990 April, Continued from page 30 Your life style is rewarded,’ partly by the holiday activities but also by the generousity of a parent or authority figure. A large family celebration finds you ina position of leadership, settle any family differences. A further family crisis needs settling around the 24 or 25th, be diplomatic. Yor generosity and compassion in behind the scene activities at holiday fes- tives will be well rewarded. Im- portant days are 2, 11, 24 ana 31. Key numbers are 2, 4 and 6. : —— fark > one pet ete op oo wie. pe ye Voy oS ew = eo ee Fo ee me et te eee ieee ae ee ‘ SSSI TE an So ree he ee Bie a ern. meee ea ie iv carne 9 Ava LIA PETE NEE A TOL BSCE TBE IP LAE NIN EOE OTE OE EDEL NE NEEL DOLE SEG, BILE EE ETS EE ELI EIST Saar ie Sage tn Set ea ee a $4 sidavtiians R SHOPPING CENTRE | yy ~~ Your Community Store™ Management And Staff Wishes All ~ + ’ EU PNR gt Far" evetlo me »t% ar opens T9iXHOD ssteecep CFC! edmscet gh opog SF. Fa ST AIRTEL Hh a OF. ©. VEE Ay, y" ~OBN& Sia Ma we LPN) Rye ON & i yy 2 December 1989 Cassiar Courier ‘ A Very Merry Christmas And A Happy New Year! Last Big Sale Of 1989 -SEE OUR FLYER- December 7, 8, & 9 Many Super Specials, Including Hourly Specials ; Friday, Thursday, December 7 December 8 Saturday, December 9 Santa Will Be In The Store NA, Store Hours 10 a.m. - 6 p.m. 10 a.m. - 10 p.m. » “aq Sas > 10a.m - 2 p.m. Friday, December 8 2 p.m.- 4 p.m. And 6 p.m. - 8 p.m. Saturday, December 9 Photographs Available Only By Store Personel bd tap PE: The Store Will Be Closed December 24, 25, 26 ae 12 p.m. - 2 p.m. ; Reasonable Prices Other Than Above Sale Days, Regular Store Hours Will Remain The Same ped te che ot See Bah > pe Sch iar PSA et tA Fad ese pa Yah Sool) a 3, Oe is SOUVENIRS GIFT IDEAS CAMERAS FILM PROCESSING RECORDS & TAPES TOOLS CARPET & LINO FURNITURE | INGLIS APPLIANCES HOT - POINT APPLIANCES CARPET CLEANER RENTAL Eh _CASSIAR SHOPPING CENTRE A Northern Shopping Experience 12,000 sq ft under one roof SERVICE ISOUR BUSINESS SEL EV USES Ee hsb Be hab S Phd Sg Usb SG bb OY ae OR FS) Deel Sk Dene GS Sys 3h Tp) 5 5 C aye ; Spe Tpie Spaz HOURS MONDAY TO FRIDAY 10:00 a.m. to 6:00 p.m. SATURDAY 10:00 a.m. to 1:00 p.m. TUESDAY SUNDAY Closed FRESH PRODUCE _ SPECIALTY SAUSAGE DELI PRODUCTS PHONE: 778-7668 I EEE—aaere Va ————————————————————————————— Sr ee he EE EEE