rma " Coup. 77/73 fol od ele at ie: pees ATE MT PAELIAMENT BUILDINGS, LEGIAEATIVE LIBRARY, “yIGhcRIA, B.C. Voy -LX4 _- You can’t beat it but it’s easier to join | By BRIAN GREGG Herald Staff Writer . High mortgage rates have made it im- possible for same people to buy their own homes, but an Interest Prepayment Option introduced by Canada Mortgage and Housing Corporation is now making it tempting for borrowers to have affordable monthly payments geared to their rising incomes. In essence, says Terrace realtor Bob Ripmeester, the lump sum payment allows the lender to set the mortgage payments at a level equivalent to those of a mortgage three percentagd-points ldwer than the market in the first year, two in the second year and one in the third year. The option allows the { borrower to reduce his interest payment by : the three percentage points and then continue : this mortgage at the lower percentage. Terracerealtorssay the market is still quite bouyant but it is difficult for people in the low income brackets to qualify, particularly if they are on the border line. Frank Skidmore, a realtor, says mortgage rates are always too high but they now seem tobestabilizing. Hesees a very active market during 1981 in Terrace. liegt Realtors get a new picture on mortgag rates every Friday because the Treasury Board releases its bonds every Thursday and thet often effects the prime lending rates. Most prime lending rates among Terrace hanks are at 18.25 per cent today. During 1990 the mortgage rates were as low as 13 per cent and ashigh as 16 per cent. When the central bank rate goes up, charter banks adjust their rates accordingly. The treasury board decided 15 months ago to sell bonds every Thursday and determine from the open market sale what percentage return it needs, says Rick Hourie, the Royal Bank mortgage manager, , The Royal Bank’s mortgage rates are 15.5 per cent for one year closed; 16 per cent for one year open; 15.75 per cent for three years ‘Special loan, life-insured five-year open term is negotiable. , Hourie says he recommends that before people sign they should shop around and get advice. It only costs you after you sign on the dotted line: the advice & always free,"" he SAYS, ’ At Toronto Dominion Bank the mortgage rate is 15.5 per cent for one year; 15.75 per cent for two and three years; and 16 per cent for five years. Ils bank rate has been stable for three weeks. The Canadian Imperial Bank of Commerce rates are 15.25 per cent for a one year term; and 15.Sper cent for a three-to-five year term. lis rate has decreased by one per cent from last month, says Bob Tiedje, bank manager. Gordon Smith, Bank of Montreal manager, says that mortgage rates are a bargain compared to the cost of money to businesses. “We have an element of social responsibility tokeep a lid on mortgagerates; but we are in the middle of the depositers and berrowers. I want to point out that when interest rates are high, so aredeposil savings rates. We cannot, as a nation, afford to follow anything but the American rates because the money will jus go below the border if oursis too low.”” His bank’s rates are 15.5 per cent for one, ~ two; three and five-year terms. Its prime lending rate is 17.95 per cent. It has a bonus- — free mortgage of 16.75 per cent and it will renew its customers’ five year mortgages at 14,75: per cent. ; Bud McColl, a realtor, says he doesn't think the high mortgage rates are accomplishing their intended purpose. ‘People need a root over their heads and these rates are just working a hardship on them. I don’t know how people can afford them :... sometimes you need a ‘fantastic salary to. afford the rates; -. which are.only helping the banks. In Terrace. . _thereis more of a demand for houses thar the -. supply so people often take what they can’. _ Bet SEY Sram closed and 16 per cent for five years closed, A [Westend Food Mart - ' :a0amea pm 635-5274 Meee . Chevron . _ Westend tags Service ne rours Wiggs 635-7228 “We Satisfy Tummy & Tank 365 DAYS A YEAR” X . CPERRACE-KITIMAT Volume 75 No. B . . Tuesday, : . q ¥, January 13, wm LTD... “Complete Office Coffee Service” 638-1825 4928 Hwy. 16W. TERRACE VENDW 6 - Sewer shape-up ordered here The provincial Pollution Control Branch is insisting that the District of Terrace improve its sewage treatment facilities. In a letter to council members, Robert Grace, a technician with the Wasie Management Branch in is: not’ meeting The district's permit requires secondary sewage treatment to have been installed by Dec. 31, 1960. The district now has only primary sewage treatment and has made no com- mitments to provide ad- ditional facilities. Because the water quality of the Skeena River had seriously deteriorated downstream of the sewage discharge, Grace insists in _the letter that. suitable treatment works be in- Stalled as soon as possible. Court action is a possibility, but Grace says he will wait until he hears what type of response council sends back before deciding the next move. Counc] voted to have the matter referred ta the Public Works Committee at their meeting Monday. The provincial govern- ment has been after the ‘ district for some years now to upgrade their sewage treatment facilites. ~- “We've got nowhere with ret: ‘the stan. | dards stipulated in’ .its-- - Ga ion control permit, - Don Morehouse, vironmental Branch Head of En- Health, shows the settling tanks of the district’s primary sewage treatment. the administration s0 we decided to get political and send a lelter ta council,” said Grace. Maroney says money has always been the reason for facilities. ” facilities The Waste not building secondary treatment facilities and that it is still a problem. “Secondary treatment would cost somewhere in the neigh- Management Branch in Terrace is threatening action against the district unless they upgrade the facilities.. borhood of $1 million plus.” There bad been talk of putting in a lagoon at the district’s new yard on Graham. but residents there voiced strong op- position to it at a public meeting last fall. A lagoon would provide further sewage treatment before the wastes enter the Skeena. The Workers’ Com- pensation Board is back at Alcan taking samples to determine whether hydrocarbon levels inside the smelter are safe for workers. A team of five in- dustrial hygienists arrived in Kitimat Monday to carry oat further monitoring of a variety of pot line jobs over the next three days. . They brought with them the results from _sevel samples taken last month after several. workers refused to do specific jobs, claiming that hydro-carbon emissions were several times higher than the board's safe per- missable level. Six of the tests showed a carbon level of .2 milligrams per cubic meire and one sample showed a level of 3 milligrams per cubic metre. samples from Alcan | The board regards .2 Milligrams per cubic metre as a permissable level. The team was called back to Alcan for additional tests to determine whether or not a Condition of non- compliance with Workers' Compensation Board regulations exisis, _ INSIDE =_ THE HERALD If you're icoking for love in an ad- vertisement, maybe you should buy a Barbie or Ken doll. The ads don't usually work out. See Page 13. . If you’re looking for “a good time. maybe Rolf Harris is the answer. See Page 2. lf you're looking for a free trip to Vancouver to watch the Vancouver Canucks play the New York Rangers later this month, see Pages 8 and 9. If you want fo cheer Paul Watson on as he fights to save the whales, see Page 11. Things are close in the Commercial Hockey League, see Page 6.’ Classified ais, pages 10 and 11. Comics, Page 12. Dear Abby, page 12, Horoscope, Page 12. - Crossword, Page 12. By PETE NADEAU Dale Kushner’s dream died Monday. it drowned in a sea of red ink and mediocrity. There will be no inquest. Kushner, ‘‘owner’’, sponsor, coach and stout- hearted hockey fan, threw in the towel and the Terrace Timbermen of the Pacific Northwest Hockey League are just another bunch of guys today. The team officially folded at the supper hour '. Monday and it marks the third time a team has given up the ghost of the Coy Cup this year in the PNWHL. Granisle threw in their ‘chips early in the season and Fraser Lake, wintess in 14 games, called it quits — last week. This leaves the league with six teams — Smithers, Burns Lake, Prince Rupert, Houston, Van- derhoof and Kitimat. Here's the way it went: Kushner, 4 years old, marred with two sons and a daughter, had sponsored the team for three years. The first year the team lost around $3,000. Last year, the loss was more like $12,000; and this year, with over half the season yet lo go, they were over $5,000 in the red and getting more crimson each game. So, as of today, there is no inler-city competitive adult hockey in Terrace. Dale Kushner didn't hide his hurt last night. “I just ran out of money for It,” he said, He owns a trucking company. The company LANCE LeGOUFFE «Wants toplay consists of one truck and himself. * Why did it end? “There are a lot of reasons,” he said. “There are &x or seven guys who could play in our league and wouldn't, so we had to bring in players. And that's ex- pensive. We didn't get the fan support we needed. I CARBON MONOXIDE A closer look at smoke danger OTTAWA (CP) — The federal government has asked tobacco firms- to begin listing monoxide levels on carry oxygen, and Begin said she is concerned that smokers aren't readily aware of the amounts of the gas that are likely to be inhaled with different brands of cigarettes. The minister made the comments in a release that listed the results of a study of carbon monoxide delivered by 41 brands of cigarettes. Here are the results of the latest tests of cigarettes commissioned by the government. The brands are listed according to the amounts of carbon mon- oxide delivered by each cigarette. All are king size and have filter tips except as noted. One milligram: Viscount No. 1 Ultra Light, Medallion Ultra Mild. Craven “A” Ultra Light. Foar milligrams: Craven “A” Special Mild, Matinee Extra Mild. Six milligrams: Viscount. tried to get some other people ta come in with me but it didn’t work out either.” They earned the odd dollar in past years by having a 30-70 split with the Parks and Recreation Department. on game gates. This year that was changed to a flat 45 per hour fee for the use of the ice in the arena. The question that Kushner won'{ ask is how in the world (be it up or down) do you support yourself if you tan’t turn e dollar at your own game. He tsa't bitter, but he's disillusioned. But that's only the half of it. There are 20 other people — players, managers, trainers — who are also out in the cold. carbon’ ‘s:Matinee,:; Export - © Seven milligrams: Peter Jackson Extra Light. Eleven mililgrams: Gauloises regular length, filter tip. Twelve: milligrams: | Gitapes regular ‘plain tp. _ Thirteen .. milligrams: se At * Craven “AZ Fourteen ‘im Craven “A" regular filter tip, Matinee regular filter tip, Mark Ten king size plain. . Fifteen milligrams: Craven Metnthol. Sixteen milligrams: du Maurier Special Mild, Players Light regular Gilter tip, Macdonald ‘Menthol, Players regular plain. Seventeen milligrams: ry . Belmont Milds, Rothmans Special Mild, Export ‘A’? Lights, Belvedere regular filter tip, Players regular filter tip, Sportsman regular’ plain, Export Nineteen milligrams: Free, Rothmans, Ne name regular filter tip. . Twenty milligrams: * Vantage, Mark Ten regular - filter tip. . Twenty-one milligrams: Du Maurier, Mark Ten, Export a4 aA? . Twenty-two milligrams: Cameo Menthol. | ‘Twenty-four milligrams: Peter Jackson. , ‘BROTHER FINDS _FALLER’S BODY A Terrace man was crushed to death - Méenday when a tree he was cutting fell on top of him. Anthony Robert Kawlinski, 46, died between 10:30 a.m. and 12 noon, in the Big Cedar area, 45 miles north of Terrace. He was an em- ployee of Twin River logging operations. Kawlinski’s body was found by his brother © who was working next to him. Both were - fallers. The incident is being regarded os an in- dustrial accident. Captain Lance LeGoutfe says “I'll play somewhere if { can,” and can't find a bad word to say about the club. “Who can afford that?” he responded to the obvious how-do-youleel question. “T feel badfor the guys, for myself and for Dale.” Manager Phil Welock was al the arena in mid- evening cleaning out lockers. “We just codldn't go any more,” he lamented. “I- feel sorry for the sponsors we had. They each paid $500 to sponsor a sweater for the year and they were solid, but it just wasn't The team itself, lest it be forgotten, is not entirely blameless. The Management occasionajly forgot that the people who parked their tushes in the pews were the real lifeblood of the game. The Pacific Northwest Hockey League, with its far-flung members, is also culpable. It appears that they have never ccusulted » a dictionary to absorb the meaning of the word “Jeague’’, In the meantime, if you like the game of hockey, there’s still the com- mercial league, a trip to Kitimat, or the local minor hockey representative teams. But maybe the real answer to the demise of the Timbermen lies in & quesiion. Did ANYBODY really care?