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develop a plan to deal with this weeks change in markets wkkmwmwdt the equity markets are in uncharted ter ritory and when this occurs investors have a heightened concern about anything that may impact stock values so what happened this monday the selloff was not a direct result of anxiety over either interest ratesinflation or corporate earnings while there continues to be concerns about infla tionary pres sures and the ability of cor porations to maintain their profit growth mondays moves appear to have been triggered by the continued selloff in hong kong many investors were jolted when they saw hong kong investors lose 24 per cent of their equity values in just three days it appears the asian sell- off served to alert investors to the vulnera- flnance bility of the equity markets while investors confidence may have been shaken interest rates remain low and earnings so far appear unscathed i expect the markets to remain volatile to find firm ground in a rather short period of time one of the positive things going for the market is that the selling pressure was based on sentiment and not fundamentals sentiment is much easier to change than fun damentals which argues for a shorter but more volatile period of decline so what does this mean to you first have a plan if you dont have one sit down with your advisor and develop one for your needs then stick with your plan one option is to go for divi dend bearings stocks and mutual funds in a case like this consistently making money from equities will be a challenge one way to weather the volatility and protect your wealth is to be in dividend yielding stocks by taking advan tage of dividend reinvestment programs your div idends will be used to purchase additional shares more frequently this dollar cost averaging smoothes 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 addi tional dividends paid by a taxable canadian cor poration receive more favourable tax treatment than interest which adds to the equities returns remember the greatest long term risk of stocks is not owning inem this article was submitted by richard box an investment advisor with td evergreen investment services patrobinson gif trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy financial counselling 9555yongest401 15139 yonge st at weidnck richmond hill church aurora 9055089493 9057272577 email patpatrobinsoncom web wwwpatrobinsoncom lord ronald said nothing he flung himsecffrom the room flung himself upon his horse and rode madly off in all directions stephen leacocf- 1911 dont get caught running in all directions for wise advice on wealth management contact richard box at 4164874708 or in markham at 9054711421 tdevergreen wealth management a omtn tifl fi xrfvnltr fur ff cosponsored by 1 21 n mackenzie nctuttttrkmitaicpamce wvfwiwicu uj ly y o n d s trwlematkofjhat6rto take the credit quiz before ringing up the credit cards this season just before the holiday shopping spree begins experts in smart buying from ontarios ministry of consumer and commercial relations offers a credit quiz the quiz is designed to help you avoid a case of the brokcin blues by handling credit wisely now true or false 1 its a good idea to buy all the little items on credit more expensive items cost too much on credit t f 2 you can check your per sonal credit rating by calling the local credit counselling service t f 3 youre not allowed to pay an 3dministration or finders fee in advance to obtain a loan t f 4 if you cant pay off your credit card bills in full within a few months its a good idea to take out a loan from a financial institution to handle them t f 5 creditors will sometimes allow consumers who are having financial difficulties to defer payments t f 6 banks can check con sumers credit bureau records anytime t f 7 its all right to give your credit card number over the phone as long as youre really sure you want the item youre ordering t f 8 if youre refused credit by a company once you may be granted credit by that firm at a later date t f 9 its normal to spend about 50 per cent of your net earnings on credit pay ments t f 10 declaring consumer bankruptcy is an easy way to rid of all your debts t f answers 1 false its not advisable to make credit payments on inexpensive items the cost of credit may be high com pared with the price of the item credit is best reserved for the major expenses such as houses and cars 2 false anyone who wishes to see their person credit file is entitled to do so to find the credit report- even then deal only with companies you know or check their reputations before you place an order 8 true the criteria used by credit- granting agencies may have changed also factors that worked against the credit seekers application may change in time 9 false consumers paying more than 40 per cent of their gross house hold income on monthly payments including all housing costs and loan and credit payments should carefully review their financial situations 10 really wrong false rumours have led many consumers to believe that declaring consumer bankruptcy could take away their debts and return their credit cards within a month experts explain that declaring bank ruptcy carries no guarantee con- bankruptcy why it alone ing agency that holds your sumers will be forgiven debts classified file call equifax at 1-800- by the courts as necessities of life 4657166 3 true it is against the law to pay any money in advance of receiving a loan 4 true interest rates on bank and credit union loans are usually lower than those for credit cards 5 true many financial institutions and other credi tors may be willing to rene gotiate repayments of debts conditions for such arrangements vary greatly with individual circum stances 6 false banks and other institutions are only entitled to check credit records if the person has been noti fied or applied for credit 7 false consumers should only give a credit card number or any other person fiance information during a telephone call they have made themselves call murray kibeckel trustk in bankruptcy personal business bankruptcies personal proposals richmond hill 9058822436 30wertheimcrt scarborough 4167577535 oshawa brampton 9054536881 barrie free initial consultation begin 1998 with a career as a microsoft certified systems engineer need job security j there are 4050000 jobs available right now for mcses starting salaries up to 45000 then the skys the limit certification recognized worldwide do you have 1 6 weeks to establish your future strong reading comprehension and problemsolving skills ef a working knowledge of pc software doswindows an aptitude to understand concepts a drive to succeed the learning enrichment foundation microsoft authorized academic training program 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