B6 - The Terrace Standard, Wednesday, February 9, 2000

Zellers cafeteria closes

By YVONNE MOEN
A FOND farewell to Zel-
lers’ cafeteria and to the
six lovely ladies who
worked there.

-It was a very sad day
Saturday, January 29 when
after 22 years of operation,
the cafeteria in Terrace’s
Zellers store closed for
good.

The cafeteria was first
opened in 1978 in the
Kmart store. Zellers, which
bought Kmart in August
1998, closed the cafeteria
last month in order to
make room for future ex-
pansion of retail space.

Longtime cafeteria em-
ployees Theresa, Janet,
Leulla, Aziz, Mary-Ann
and Adrian had to say their
final goodbyes to co-work-
ers last month.

Over the last six years
that ] worked at Kmart and
then Zellers, the staff in
the cafeteria were a very
friendly lot of ladies. Cer-
tainly their cheerfulness
and friendly service will
be missed.

It must seem rather

ADIEU: Zellers cafeteria workers Theresa, Janet, Leulla, Aziz, and Mary-Ann
say goodbye. The cafeteria closed Jan. 29 to make room for merchandise.

who is moving to Pentic-
ton with her family. Good-
luck to her,

And of course, after al-

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strange now for Zellers’ 0s! six years I too have February 2000 Series
staff, customers and other Sid my goodbyes to my
workers in the Skeena ‘¢OWorkers, Thanks to all Learn to Control Your Life Better

for all the fun times and
sharing stories in the staff
room.

Birthdays

A few people are cele-
brating birthdays at Terra-
ceview Lodge this month.
They are:
~ Fernando Pires (Feb. 4)
_7 Jim Hanna (Feb. 8)

- Dorothy Jones (Feb. 12)
~ Earl Smith (Feb. 18)

- Beth Holtom (Feb. 19)

+ Morel Crotteau (Feb. 21)

Victor McNeil celebra-
ted his birthday at the
Willows February 7.

Mall, not to be able to go & Make More Effective
there for a cup of coffee or
to just sit and chat. This
service has gone.

T would like to give all
the ladies who worked in
the cafeteria a big pat on
the back for the service
they offered to the public.
You were alt fabulous and
you all did a wonderful
job.

The Zellers Automotive
Department also closed its
doors last month.

Another employee leav-
ing Zellers this month is
pharmacist Karen Hatzl,

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. Did yau suddenly
“Teora to whitile the lost tims you

Finding the money to invest

Investing is sometimes like
axercise; we know we should, but we
never seem to gel around fo if, Al
least exercise only requires energy
and time, both of which ore free.
Investing requires the money to stort,
and finding the saurces of investment
dollars is often harder thon finding
good investments.

Budgeting:

Saving 10 per cent of your gross
cnnual income is called “paying
yourself first”. Unfortunately, other
demands like morlgages, cars, and
orthodontic broces muscle themselves
Into the head of the line, One solution
is to make on annual budget of all
income and expenses.

One line of that budget, equalling
15 ger cant of gross faraily incame, is

the savings line. This is divided into

Iwo’ parts: annual RRSP cantributions
and paying down your after-tax debts
such os mortgages and car loans,
First, make the maximum RRSP
contributions every year for you end
your spouse. Use your tax refund,
and ony money ict over fram your
15 per cant savings line, to repay
abter-lax dabt such os mortgages,
consumer loons ond cor loons,

The mast sensible budgeting rule
is: Poy off your entire credit cord
bolance avery month,

Ik your income exceeds your.

expenses, you'll have the money to

pay down debt foster ond invest,’ IF

your expenses are higher you'll need
fo eilher increase income or redute
“expenses, Generally, it 1s easier to

‘J reduce expenses,

* Mhere will-that 15 per cent

- savings come from? From spendin

less; That usually maans fewer meals
out, fewer impulsive purchases, ond

“fewer adull toys such as ¥CR’s

incrowaves, mobile phones, on
sovert! dozen other automatic

.. _ gadgets, Do these supposedly lobour-

soving devices realy save anything?
nd the time fo

°

bought one? No. We usually have to
wath so hard to poy for the gadgets,
we end up nig time in the balance.

{1 will he difficult at First to cut hack
on expenses, but every year it will get
easier os after-tex dev ore patd off
and more money becomes available to

Regional Vice President
Primerica Financial
Services in Terrace

spend os you like, not os your creditors

amend. Meanwhile, you have'also RR

been pulting asida money to invest.
Ona roy way 10 “poy yourself first” Is
to "fool yourself -first*, This means
hoving your RRSP contributions and

other investment scvings deducted
from your bank account monthly. If

you don’t see the maney, you won't
miss it 0s much.

After your RRSP. your mortgage is
the best place to put your money.
Remember, depending on your tax
bracket, your morlgaga is costing you
much mora than the stated tate in
after-tax dollors. if you have a 10 per

cent morlgage, and you are ina 50 per A

cent tox bracket, that mortgage is
costing you 20 par cen! every year, a
higher rate than most investments will
earn, Think of every dollar paid against
thal mortgage as “earning” you o 20
per tent return. :

_- Developing a budget is the best way

to minke sure you save for the future
while paying off your creditors today.

Remember, though, a hudget is a
plon, ond plans con chang. 1 thera
are unaxpeded sources of income or
expenses, don't jus! abandon your
hudget in discouragement, rework
your budget to account for them.

Borrowing:

There may be two times when
borrowing to invest makes sense:
when making RRSP contributions or -
when the cast of the loon is tox-
deductible,

Borrowing to make on annual
RRSP contribution, although not tax
deductible, can be a sound tdon
providing you poy off the loan prior
(o aext yeor’s contribution deadline.
Use your tox refund to poy against
your RRSP loan, Whan the loan is.
poid off, continue contributing the
same omount monthly 40 naxt year’s -
RRSP. Each year you will find yourself
further ahead until you don't need

thot RRSP loan at all.

It your entica 15 percent savings
line is contributed to RASP's and you
don’t have any affer-tox debts to pay
off, borrowing to invest oulside an
RRSP may moke sense. Because
interest on loans to earn invesimant
income Is tox deductible, you will be
chend providing your invastment
earns O greater raturn thon the cost
of the loan. -

Investing, like exercise, is. most
baneficial when done regularly and
sensibly. Who knows, with good
invesinents, you may: get enough
axercise just hauling your money
around,

Important Information about any
mutual fund Is contained in is.
simplified prospectus, Unit vaiue's
& Investment retums will Queluaie.
jead your prospectus garefully
before invasting, Pater Arcadi is
an Independant Contractor with.
Primerica Financial Services.

For questions on this or | ©
other financial topics call | | .
Peter at: ae

635-78000r
~ 1-800-295-7676 :
arcadipis@ karmode.net