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j j- e i 38831532 ya swssflsssaaswstoi csjeshsbbes 333f9stiirsin forecasting market volatility will continue a va a patrobinson trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy 4 financial counselling 9555 yonge st 401 15139 yonge st atwddnck richmond hill at church aurora 9055089493 9057272577 email patpatrobinsoncom web wwwpatrobinsoncom the canadi an and us markets have been riding the swells and troughs of very rough seas char acterized by 100plus point swings in recent months many analysts have forecast wise advice on the management of wealth richard box investment advisor with td evergreen investment services servicing markham 0 stouffville area personalized investment strategies canadian and us equities domestic and foreign bonds rrsps rrifs and resps complete range of mutual funds to contact richard for your personal consultation call 4164874708 id evergreen man a gem en t a dilttttt ttfxn sreirrifir in n mackenzie rbgodbag woaadax tedqpandcace cosponsored by l ivy funds trademark of trie torontodominion bank td securities inc tdsi a subsidiary is a licensed user tdsimember cipf edward jones invites you to attend a satellite broadcast featuring mackenzie portfolio manager billkanko exclusive live closed circuit satellite broadcast featuring one of canadas most respected international mutual fund managers listen to our expert panel discuss the importance of internationally investing for a balanced portfolio september 23 1997 300 400 pm 29 toronto street uxbridge this broadcast is free but seating is limited call or stop by today for reservations stephen snoddon httpwwweclwardjonescom edward d jones co 29 toronto st south uxbridge ontario l9p1v9 9058521244 edwardjones serving individual investors member cipf that this market volatility will continue for some time to come so what does this mean to you go for dividends and stay invested it is tempting to move into cash or tbills and try to jump back in on the next pull back but who can time the mar ket in the period from 1982 to 1990 missing out on the markets best 30 days would have reduced average annual returns from 18 per cent to five per cent your investments would have gone from exceptional to inexcusable one of the worst ways this market can play itself out is a period of investor ner vousness this will cause stormy ups and downs but result in little change in value over the long haul known as a sideways market in a case like this consis tently making money from equities will be a challenge one way to weather the volatility and protect your wealth is to be in dividend yield ing stocks or funds by taking advantage of divi dend reinvestment programs your dividends will be used to purchase additional shares more frequently this dollar cost averaging smooths out the highs and lows in purchase price and allows the magic of compounding to do its work assuming a trading market characterized by a prolonged sideways movement a healthy dividend portfolio will ensure compounding returns for example assuming a four per cent dividend growth rate with reinvestment of the dividend into the same shares the investor will earn 612 on a 1000 investment over 10 years if the stock does not move in price if the share price falls to one- half its original value over five years and rebounds to the start ing price by year 10 the investor will earn 932 this compares to just 488 on a compound return at four per cent it you can get it at the bank an additional bonus is that dividends receive more favourable tax treatment than interest which adds to the equi ties returns remember the greatest long term risk of stocks is not owning them this article was submitted by richard box an investment advisor with td evergreen investment services it had a mistake in it this week we ran a huge threepage ad in which we said well service any appliance of any brand name no matter where you bought it well we really blew it there what we meant to say was that well service any major appliance and that it may cost you a little money with small electrical appliances purchased at eatons if anything goes wrong within the first year you can bring it back with the warranty card and well replace it actually innr n no fine prim and one last thing we wouldnt be completely honest if we didnt tell you that certain restrictions apply so see your store for details sorry about this whole mess in our rush to tell the wodd that were working on it we didnt quite make sure all die is were dotted well try to en- f sure it doesnt happen again l or in other words were still working on it eatons