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nimbkmocummmm mmmm savings bonds don t earn any interest after the maturity date away for a reasonable number of years that will be a negative while many are waiting to see what impact the election and struggling canadian dollar will have on this years canada sav ings bond rate millions should be dumping the csbs they own regardless of this years rate i suspect the bank of canada will hold off until the election results are known before it your money ubss brian costello announces this years rate regardless of the rate many canadians should be dumping some or all of their bonds this fall heres one of the problems with canada savings bonds their rate is adjusted each year if interest rates are rising thats a great advantage as you can always reinvest your money at a higher rate however when interest rates fall you have no protection against that decline your money will earn less each year at least with term deposits and gics you can lock your rate away for a longer period of time or if 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lower rtiilstead sales office 8412359 open wmthurs 47 sat sun 125 or call for appointment dcvctoprpcnls nc cooperating brokers welcome 7277707 the uxbridge players presents waiting for the parade by john murrell directed by anna mackaysmith dinner theatre 700 pm 2500 play only 830 pm 800 saturday november 6 1993 saturday november 13 1993 saturday november 20 1993 theatre 40s dance to follow 800 pm 1200 refreshments friday november 19 1993 at the historic uxbridge music hall main street south all tickets available at radio shack play only tickets available at personal touch tickets may also be available at the door model suite available for viewing correction notice in our toyland openingl flyer of october 20th we have ladies bras briefs advertised at 40 off the copy reads our entire selection ladies bras briefs the copy should read save 40 off our entire selection of brand name bras briefs we regret any inconvenience this may have caused our customers woolco stores i life skills 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research center windsor ontario please beware 4 if i ii r t i i r j i4m i u ml i m imitations by the way if rates rise the other problem with csbs is that evexy issue ever sold has a maturity date once that date is reached they no longer pay any interest yet canadians have to this date never com pletely recovered their money from any of the issues that have matured it might be that some bonds are lost however when you see the numbers involved you will have to question whether this number of bonds can have gone missing i suspect that a large number of canadi ans think these bonds pay inter est forever that just isnt the case every csb issue ever sold to the public has a set life once it ends they should be cashed immediately as they no longer earn interest in fact they actu ally lose value as inflation even at todays lower rates destroys their purchasing power the very first csb issue ever sold to the public series 1 still has 99500 that has not been cashed in this year series 41 expires yet every issue between series 1 and 41 still has bonds waiting to be cashed in the first 20 years the num ber arent that big they range from 34150 in year four to 477000 in year seventeen but thereafter the numbers rise rapidly from years twenty- three on there is always at least two million dollars a year wait ing to be collected plus accumu lated interest to show you why i dont think these bonds are all lost look at the last couple of bonds that matured series 39 matured two years ago yet there are still 29466400 worth of these bonds outstanding that earn no inter est surely that money would buy a lot of goods to create a lot of jobs or even with todays lower interest rates it would pay down a lot of mortgages the issue that matured only one year ago series 40 still has almost 885 million that hasnt been collected ive been quoting the outstand ing principal amounts however many of these bonds were the compounding type who knows how much interest is included some of the older ones even have bonuses that can be collected at a reduced tax rate yet they go waiting check your safety deposit boxes the rafters in the base ment or attic to see if they are hidden there and dont forget your banker when you borrow money you often pledge canada savings bonds as collateral on the loan if you havent paid off the loan they are still there yet the banks dont always check the maturity dates on the bonds they have tucked away you could have expired bonds sitting there that you could use to pay off your loan the biggest number is yet to come on november 1 series 41 stops paying interest there are more than two billion dollars worth of these bonds coming due for renewal and thats before we add on the interest at this time next year how many hun dreds of millions of dollars do you suppose wont have been col lected csbs are good they are abso lutely guaranteed by the federal government they can be cashed in anytime for the full principal plus interest owing