The Terrace Standard, Wednesday, January 22, 1997 - AS

Brian Christopher Fell

= Criminal

Defence
Lawyer

Dr. Tom Strong
Registered Psychologist
Now Regularly Practicing from Mills
Memorial Hospital.

* Relationship & Family Therapy.

© Full Ronge of Individual Psychotherepy

© Troining ond Seminars

© Brief results oriented

-School forms group
to probe its problems

- which was started as a result

Atmosphere already i improving at Caledonia, says teacher, servicgthe \ | | re * host bie cnn

By CRIS LEYKAUF rT Caledonia, and more are to increased teacher supervi-. | Northwest The costs for asychological Far ari oeatare chad cpeanen ral
A GROUP [ooking at ways being talked about. sion in the halls, before and 44 services are olen covered 1-800-456- 7733
to solve violence and Stewart has helped after school and during 635-49 by extended health benefis.
vandalism problems at organize an intramurals pro- breaks between classes.

Caledonia plans to work
towards developing a
gathering area for students.

Right now students eat
their lunch in the hallway or
locker area. And that’s
where many congregate dur-
ing spares as well.

That was one of the big
problems identified by the
group, which met for the
first time last week. It’s
made up of about 20
teachers, siudents, parents
and administration.

“It’s a major concern that
there’s nowhere for students
to go,’’ said gym teacher
Scott Stewart. He heads up
the informal task force,

of a meeting at the school
last month.
Stewart plans to research

ba Se j
Scott Stewart
success stories at other
schools and bring a sum-
mary to aext month’s meet-
ing, so the group can look at
what's worked clsewhere,
But these are both long
term ideas, In the meantime,
there’s been a number of
changes started already at

creasing
with those

on the radio.

“We haven't

said.

gram at lunch in which
about 100 students are tak-
ing part. There were in-
tramurals a few years ago,
but interest fizzled out, Now
Stewart hopes that having
games at lunch will help
give students a posilive cut-
let for their energy.

Another project the task
force is looking at is in-
communication

outside the
school. That might take the
form of school-sponsored
‘columns in the newspaper or

The atmosphere in the.
school has already improved.
this year, said Stewart.
had too
many incidents lately,’’ he

Toat might be due in part

School administration is
also showing less tolerance
for repeat offenders, said
Stewart.
We're trying
types of behaviour won’t be
accepted.”

“We're trying ito
get across to the
kids that these
types of behaviour
won't be accepted.”

meeting on the second Wed-
nesday of next month to
draw up a list of short and
long term goals.

Garden beats parking lot

A COMMUNITY garden will be al-
lowed to go ahead on a weedy lot a
developer had wanted 1o see used as a
parking lot.

Lawrence Stella, who has just put up
a new office building with upstairs
apartments on Lakelse Ave. near the
Legion, wanted the nearby vacant
city-owned lot on Apsley St. used for
parking.

His building has 13 parking stalls,
but cily staff estimate he'll need 20. If
Stella can’t secure parking elsewhere,
he’ll have to pay an amount into a city
parking fund for every stall he’s short.

The fund is to eventually help pay
for the development of city-operated
parking downtown,

But Stella says the community gar-
den lot is the only city-owned proper-
ty within a great distance that could be
turned into a parking lot.

City councillor Tim Down backed
Stella at a committee meeting Friday,
arguing the city should look for other

sites for the garden and designate the
lot for parking.

Councillor David Hull opposed that
suggestion, arguing there’s no moncy
in the city’s budget to turn it into a
proper paved parking lot anyway, and
low-income people might as well use
it for a garden for this year at least.

‘We're not talking about a lifelong,
altering use of this land,’! Hull added.

Down suggested the decision might
set a costly precedent.

“Pm sure we'll sce a plethora of
community gardens springing up all
over the city,”” Hull scoffed.

In the end Down was out-voted 5-1
by other councillors who agreed to al-
low use of the lot as a community gar-
den while other possible garden sites
are researched.

Down demanded to know what the
city’s response will be when Stella
“petitions us to purchase his proper-
ty.”

Anti-poverty advocate Helga

Kenny, who has led the garden search,
said it didn’t matter to her where the
garden is as long as it’s accessible to
lower-income people.

One possibility raised was the un-
used southwest corner of Twin River
Estates seniors housing complex.

City planner David Trawin had also
noted the community garden doesn’t
fit as a permitted use in the Cl com-
mercial zoning of the Apsley St. prop-
erty.

He said it might be necessary to
rezone the property or else amend the
commercial zoning definition to allow
gardens.

‘Aren't we killing flies with a
sledgehammer here,"’ queried Hull.

Trawin said the city could turn a
blind eye for now, but that the city
would have to respond fo any con-
piaint about the unauthorized use.

Stella maintains he’s not opposed to
the idea of a garden, and said he will
donate topsoil for the project.

lo get. :
across to the kids that these -

The task force ‘will be’

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kin, for an acknowledgement card.

Your In Memoriam gift is a lasting tribute. Please send
your donation to the address above, along with the name
and address and the name and address of the next-of-

7 NN may %
boxe ALL YOU NEED A TO Z
IMPROVING Terrace, B.C, Major Credit Cards
YOUR VG 4A2 "Accepted A - Abrasives
ncaNst Marjorie Park Your donations B - Batteries
meee D - Drill Bits

NISGA’

A

Open Working Group
Session

Negotiators for the Nisga’a, Canada and
British Columbia invite the public and madia to observe
as they hold an open working group session on
Fisheries Operational Guidelines

Friday, January 24, 1997 at 9 a.m.
at the Terrace Inn
4551 Greig Avenue in Terrace

Britis
COLUMBIA

Nisga'a Tribal Council

For more information, please contact:
Jaseph Whitasida Federal Treaty Negotiation Office

_ Shelagh Stanley Province of British Columbia

(250} 633-2604

(604) 775-8143
{250) 387-4396

E - Extension Cords
F - First Ald Kits
G - Gloves

4427 HWY 16, TERRACE
TEL. 635-7383 ° FAX 635-4076

Hydraulic Jacks

Heaters

Hooks

Hard Hats

Haulback Swivels

Hoses

Hand Splicing
Services

Hand Cleaner

Hacksaws

Hammers

Hasps

’ Heat Tape

Hydraulic Cylinders

Hydraulic Fittings

Power Of Compounding

You've probably heard someone
tell you 1o moke your money for you.
There's a way of doing just thot and
it’s called compounding.

Tho shorl-term benefits of com-
pounding are admittedly limited. The
long-term benefits, however, can ba
dramatic,

If you invested $100 on the first
business day of each month for 10
years at a 10% rote of return com-
pounded monthly, you weuld accu-
mutate $20,655, incleding your prin-
dpel of $12,000, If yeu invested the
same amount of ¢ 15% rote of
relumn, the lotat investment would be
worth $27,866, a difference of
$7,211.

But imogine investing thal $100
aver a fonger period, After 20 years,
your principal investment of $24,000
earning 10% compounded monthly,
would be worth $76,570. Your $100
a month invested over 30 years
would earn $227,933, o substantial
increase. Extend thal over 40 years
and your money would grow to

$697,687.

Combine a higher rate of return
with your investment and the effects
of compounding are markedly great-
or. For example, if you invested your
money ct 15% over 40 years, you
would have earned a staggering $3.1
tnillion, Those five additional percent
age points moon a difference of $2.5
million!

Compounding is money multigly-
ing itself. Investors eor income on
their Income earned. Income pay-
ments graw each year because the
amount upon which the payments cra
bosed grow each year, too.

el’s suppose yeu invest $1,000 al
12%. At the completion of the first
year, your investment fs worth

$1,120. Your investment is now
worth $1,120, including the $120 in
income ected. After two years, your
invesintant will hove grown another
12%, or $134.40. Your investment is
now worth $1,254.40. ARter three
years,

your investment will be warth

Peter. Arcadi-
Branch Menoger with Primerica
Finoncial Services In Terrace _|

$1,404.92, including income earned
of $150.52. As you can see, your
income payments hove grown
steadily,

A handy too! for meosuring the
grawth of your investment is the
“rule of 72”. Simply divide the
number 72 by the annual rote of
return your invesIment will earn and
the result will tell you kaw mony
years il will take for your investment
to double.

For exumple, if you invested
$1,000 of 10%, your investment will
doubla in 7.2 yours (72/10=7.2)
Invest the same amount af 15% ond
it will double in 4.8° years
72/15=4.8)

These examples illustrate that tha
two most important factors when
making on investment decision ore
fime ond rate of return. The longer

you allow your invesiment to grow.
and the greater tha rate of return,
the lorger the future valye of your
investment will ba. You've seen tha
dramatic difference hetween a 10-
year and 20-year investmen! ond
what can hoppen when the rate of
return is appreciably higher within
the same period.

In the post, you might hove pul
money in term deposits or guar-
anteed investment certificates
because they provided guaranteed
returns at low risk factor. As an olter-
notive, you might want to consider
rautual funds, addition to professional
manegement and diversification, they
affer historically higher returns,

Remember to have polience, to
allow your maney to wark for you.
The cumulative effect of compounding
cin work wonders for your invest-
ment ond your peace of mind.

If you've saving for reliremant,
your children’s education or perhaps
a dream vacation, choose an invest-
mont thot will work hordest for you
und give them time to grow, The
longer you delay, the horder your
money will have to work for you.

Speak to a professional investment
advisor ond discover the benefits of
tompeunding. You won'l ba
disappointed.

Your unit volue ond investment
return will fluctuate. Important infor-
mation cbout any mutual fund Is con-
Ioined in its simplified prospects.
Read your prospectus carefully before
investing,

You can obtain ona from:

Peter Arcodi, PFSL Investmants
Conoda Ld,
Phone: 635-7800 or
1-800-295-7076.

Se 1907 Fabriciand
Sewing Clut
eo Sener etist
a avaliable nowl
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