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jj weekender satgrdavdegembek 6 4 997 p1 1 fixedincome investments have a lot to offer if youre looking for a place to invest money but dont want a great deal of risk gics and canada savings bonds arent your only options and not necessarily the best ones either while the principal and interest are insured up to a point these investments may not provide you with the return you want for your hardearned cash fixedincome mutual funds are an excellent investment option for cau tious investors investors with a long- term outlook shouldnt be overly concerned about shortterm fluctuations in return they know the benefits of mutual funds over gics and canadian savings bonds such as historical- finance l y more attrac- t i v e rates of return flexible cashabil- ity and the ability to pur chase virtually any amount outweigh temporary price fluctuations a variety of fixed income funds are available each exposing you to varying degrees of risk and reward and designed for different investment horizons some funds are com posed of highquality gov ernment securities while others are composed of lowerrated corporate bonds some focus on the short term and are ideal for parking your money while deciding where to be straightforward with creditors the best way to deal with credit troubles is to contact your creditors before they contact you here are a few simple rules in order to keep your credibility intact be honest in the long run youll get the respect of creditors be practical take time to work out a payment schedule that can be realistically added to your budget take the initiative keep creditors informed if you cannot keep a commitment con tact the creditor and explain your situation seek professional help despite your sin cere efforts if no accept able solution can be found you could benefit from the assistance of a credit counsellor to help establish a manageable repayment plan with your creditors help is only a phone call away if you are overwhelmed by your debts credit coun selling can help you gain back control of your money and financial future together with a profes sional counsellor your financial situation will be assessed to determine what options are available to you credit counselling can assist you with budgeting and money management mediation with creditors and if necessary arrang ing an extended repay ment schedule with your creditors learning how to deal with money effectively is one of the most important skills you can master and will give you the satisfac tion of knowing that you are in control of your finances for details please call the ontario association of credit counselling services at 18002630260 patrohinson cip 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 wcidrick richmond hill at church aurora 905 5089493 905 7272577 email patpatrobinsoncom web wwwpatrobinsoncom invest for the long term others are suitable for longterm objectives some may be volatile while others have little risk of capi tal loss most fixedincome funds have moderate to high shortterm risk moderate to high income potential and moderate longterm growth potential fixedincome funds may be man aged by an individual professional manager or by a team these fund managers research analyze and make investments in a number of companies industries and countries on your behalf and fixedincome fund managers may work closely with equity fund managers to share information and apply their knowledge to corporate bonds the fund managers ensure the funds work towards its objectives advertising correction in our christmas 2 book included in this news paper this week please note page 3 holiday classic cd has 8 christmas carols page 8 cigar accessories price range should read s1199 to 6995 page 32 vogue bra offer exclusion should read excludes 1999 instock guarantee bra styles and vogue dessous page 98 delonghi chrome toaster oven will be available dec 30 1997 page 102 eaton home continental cook- ware will be available dec 15 1997 we sincerely apologize to our valued customers and regret any inconvenience or confusion this may have caused e ato ns lawyer peter j lewarne matrirnon personal injury commercial litigation small business law bankruptcy real estate wills over 20 years experience low rates quality service 4701 highway no 7 at kennedy rd unionviile ontario l3r 1m7 tel 4774381 fax 4777601 24 hour availability bankruptcy why face it alone call murray kideckel trustee in bankruptcy personal business bankruptcies personal proposals richmond hill 9058822436 30weriheimcrt downtown 4169716396 27 carbon st scarborough 4167577535 oshawa 9055761926 brampton 9054536881 barrie 7057226398 while the fund company ensures your account is accurate and up to date and that youre kept aware of how your investment is performing so if you think gics and csbs are the best means to securing your financial future you may be forgoing the opportunity for more growth tfie article was supplied by marek tanana an insurance and financial advisor in markltam lom lm me term affordable financial security malen0n smokers rates age 250000 40 233 45 255 50 358 55 498 60 780 65 1435 70 2593 500000 375 440 645 925 1490 2690 5115 1000000 680 810 1220 1780 2910 5115 10160 male smokers rates 250000 500000 1000000 468 840 1525 590 1110 2150 815 1560 3050 1185 2300 4530 1798 3465 6725 2555 4755 9035 5913 11725 23350 female rates considerably less monthly premiums available lowest rates for level increasing term plans no tax addjd to premiums quoted lowest rates for disability coverage estate protection plans special rates for select smokers -y- call cyril gerson today for your financial security needs tel 9057646924 toll free 1 800465360 1 member independent life insurance brokers of canada our cachet centre branch at woodbine 16th ave is open to serve you take advantage of these three moneysaving offers e ance 000 1 m cash gred i i i i i i i i tgnyourc transfer your chequing account to canada trust and well ive iz7m bonus of5 ferio transfored m inhaeymm l foe fo 6 i i i i i n wited r l0l rs uies the pn isc 9255 woodbine phone 905887 hours 930600 montowej 930800 thursfri 930300 sat wmmm anch hr ww at 16th ave c 2811 i o canada trust free initial consultation offers valid from november 1 1997 10 february 28 1998 some conditions apply lo these offers the above offers may be combined with each other but not with any other offers or discounts complete terms and conditions in branch offers may be withdrawn at any time without prior notice organizations and businesses are not eligible trade marks of canada trustco mortgage company if your confidence in the post offices reliability is wavering come on in and see us we can take care of all of your delivery needs from printing right through to delivery we can deliver your flyers anywhere in markham unionviile stouffville uxbridge and surrounding areas 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