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p 24 weekenber afheliei4 rate changes can benefit investors brian costello financial correspondent the recent runup in interest rates and selloff in stocks and mutual funds has given all of us a great opportunity to make a lot of money heres the scenario the american federal reserve has increased its key rate by 14 per cent twice this year thats a total of 12 per cent weve increased our rates by two per cent or more some economists believe the fed will boost its rates again later this year even if it adds on another half per cent we still will have advanced our rates twice as much as necessary as a result i think this thing has been overdone when we look back on it months from now we will admit that interest rates clearly have bottomed out but that their rise was too dramatic so whats going to happen well even with the possibility of further increases until the heat dies down i think cooler heads will prevail and rates will slip lower later this year if you believe this theory you can make a lot of money if you act properly in fact even if you dont believe it you can enhance your investment income sub stantially by acting properly first the non believers canadians are known as cau tious investors who like guar anteed investments gic and term deposit rates have moved higher along with the prime rate increases so you can earn a better rate of return now than you could a few months ago to put it in perspective though one year ago the five year gic rate was 7 per cent now its 7 14 per cent so everybody who complained about low rates last year is slightly better off but not much another comparison get away to a unique weekend at le chateau champlain and soak up the best of spring in montreal try your luck at the casino marvel at the biodome enjoy joie de vivre great food sunday shopping and so much more for a great weekend getaway in montreal call now for reservations 18004411414 in montreal 514 8789000 or call your travel agent single or double occupancy per room per night weekends only children 1 8 and under slay free in parents room offer ends may 24 1994 room subject to availability canadian pacific b hotels resorts ip w0fl le chateau champlain montreal rowan 1 o prcfinished leclerc oak maple bjfediy s q ft installed solid oak strip prcfinished s full range of professional diy fl finishing products prcfinished parquet 188 unfinished fabulon 4l parquet 99t rowan hardwood floors showroom 16610 i bayview ave s ofmulock 404 north to mulock exit west to bayview then south 12 km newmarket 8538507 hours mf 830530 thurs until 700 sat 900300 life skills breakthrough seminar 1 in results lose weight with hypnosis quickly fc 49 99 george lucio certified hypnotherapist lauri campbell certified hypnotherapist i leam how you can lose all the weight youve been wanting to and keep it off permanently without hunger without dieting without willpower learn life skills 100 formula for success that has helped thousands to reach their desired weight written guarantee you will lose the weight youve been wanting to if you dont or if you ever need reinforcement youll be admitted to any life skills weight loss seminar free of charge nationwide safely without hunger w gst written guarantee you can learn to eliminate your weight problem without dieting or willpower using the power of hypnosis you will lose unwanted cravings eliminate addictions to sweets and break compulsive eating habits forever with the life skills method of hypnosis there is no sleep or loss of control you are awake and aware everyone who attends will be hypnotized you v leave refreshed and feeling great will it work for me you can expect to take immediate control over your weight problem with results ranging from 3060 pounds in 3 months to 120 pounds in one year results may vary unable to attend order the complete seminar on audio cassette by phone or mail 1993 life skill research centre 2325 roscville girden dr suite 203 windsor ontario n8t 3j8 si99446000 unauthorized reproduction will incur immediate legal action d0itnow 1 this is absolutely the last weight loss program you will ever need thousands have succeeded using our formula for success and you can too you will learn why diets do not work in fact they may cause you to gain weight an estimated 95 of all dietsfail the only way to ensure permanent weight loss is by utilization and reconditioning of the subconscious mind location markham tuesday april 19 embassy suites 850o warden ave newmarket monday april 18 voyageur place 17565 yonge st registration 600 700 pm seminar starts at 700 pm is worthwhile at this time one year ago the prime rate was at 6 per cent at 6 34 per cent if s 34 per cent higher but the gic rates are only 14 per cent higher than a year ago is it possible that the bankers are telling us that they also think the recent rate increases are being overdone if you believe rates are going to fall you might want to lock your term deposit and gic investments away before they fall you should monitor rates for a while though to see if we get another nudge upward before the turmoil is over those who really want guar anteed type investments have another opportunity to earn even more mortgage rates have also risen many institu tions lend homebuyers mort gage monies that are uncondi tionally guaranteed by the fed eral government they then package these mortgages and sell them off in small numbers to ordinary investors theres no risk they generally pay a monthly income and they yield 7 34 per cent or so you have the same or better security than a term deposit with a higher yield if interest rates do fall you can actually make a profit as this type of investment generally rises in price when rates fall where the big money should really be made though is with investments that combine what has just happened with what is inevitably going to happen ask yourself why interest rates have been pushed higher its because the federal reserve and other agencies and investors fear the american economy is growing at such a clip that its going to create inflation if the economy grows at only a reasonable pace it means higher profits for corpo rations if it grows at a rapid pace it will mean sharply high er profits now these interest rate increases will slow the eco nomic growth somewhat how ever once the regulatory agen cies are confident that inflation has been cooled they will make sure that the economy keeps growing that means rates will fall we can combine all these facts together to make a better than average return on our money bubby automotive bobby welcome all my valuable cu8tomer8 free estimates tuneups brakes fuel injection front end exhaust system and all other mechanical repairs 12 heritage rd unit markham tel 905 4720748 5531 main street stouffville 14a 7x5 j vi v