~ Now Taking Names For
- Summer Relief In All Areas

Do you wish that
money to buy the thin
really want?_

and gain valuabl

you had the
gs you.

Earn extra cash
e experience by
delivering the standard in your
neighbourhood.

‘Terrace Standard Call 638-7283 TODAY

RENO

HELPING rou [oncme HELPING YOU Save \_°
| ENERGY AND MONEY INERGY AND MONEY

Taking advantage of market volatility
through dollar-cost averaging

(NC)—-Using a dollar-cost averaging
(DCA) strategy can be one of the most
effective and ultimately profitable ways
io purchase investments on an ongoing

_ basis, through market lows as well as
highs. Mutual funds are a long-term
investment, and they do fluctuate in
value. By staying the course through ..
periods when the market is undervalued,
you are most likely to enjoy good returns

in the long nun.

As the chart illustrates, if you commit
to-a monthly program of $100. for a
seven month period ina volatile market, |
you can actually come out further ahead
than if you made one lumpsum purchase

- at the- beginning. Had-you* made one -
lump sum purchase of $700 you would
own 58.33 shares, purchased at $12 per
share, If the net-asset value (NAY) rose
to $13 you investment woul
grown to $758.29, a profit. of $58.29,
However, as can be seen from the chart,
a monthly program would have given
you the’opportunity. to purchase 63.44
unils al an-average purchase price of
SI 1.14 by taking advantage of the price
movement in the mutual fund “‘nits: If

again, the

increase.

have

NAV rose to $13, you

investment would have increased
$124.72 to $824.72.
As the price drops, your average cost
perunitaccordingly also drops, but your
tegular contribution buys a greater
number of units. ;
Once the share values ‘start rising,
your monthly contribution will purchase
less units, but those units
hald are worth more.
Using DCA, you can embrace weak
or volatile markets, knowing that’ your
dollars: will buy more units at:lower
prices during these times, and that when
the market recovers the unit value will

- Dollar cost, averaging is ‘also.a
relatively paintess way to ensure that’.
you invest regularly. It enables you to’.
“pay yourself-first,” month after month.

But best of all, consistent dollar.
cost; averaging takes the -timing-.
uncertainty out of your‘investment’.
decisions..You can stop trying to predict. -
which: direction the market will- go,”
confident that market volatility: will
work for you, not against you: :

~ Shares Purchased Monthly |

Total Units Purchased: 63.44; Average Unit Cost $11.14,

~~ ($100/month) ~ . |

$13 7.69 shares ” .
: 8.33 shares
Net $12 8.28 shares or
Asset 9.09 shares
Vaiue $11 : .

| (NAY)
“$10 _ ;
10 shares 10 shares 10 shares
$9
Jan Feb Mar April May June July

you already. -

Tota! Gost: $700; Market Vatue: July 1: $824.72; Increase in Value: $124.72

The Terrace Standard, Wednesday, May 22, 1996 - B15

~ [RENOVATING WITH ENERGY EFFICIENCY |

RENOVATING WITH ENERGY EFFICIENCY

- Home insulation:
. getting started

» QNC)—If you're fed up with drafty
+ corridors and skyrocketing energy bills,
: and plan tw do samething about it by
» improving the iasulation in your home.
' here are some useful pointers:

» Wear protective gear: goggles, dust
mask, gloves, overalls, boots, hard
hats, etc, _

* Always keep safety in mind. For
example, don’t use an open Hane

7
Caulking tips
(NC)}—Caulking is used inside the
home on fixed joints—not on
moving parts—to keep warm interior
air from escaping inte cavities in the
walls and roof and then outdoors,
Stopping this Now of warm air not
only saves energy, it also prevents
condensation, from forming’ in the
building envelope. This, in tura, can
damage the insulation, interior
finishes and the building structure.
Here are some tips on caulking: -

* Cheap caulking may not last:
Consider spending a bit more

: | near polyehylenitPapOuy fetntdeeO TY 915 ane IGE ROTI ty YeyaLle |1
» Don’ t’sacrifica dhe Body! Tf youre 0] 9 /e.every yearn i apt

' going to be kneeling for extended
periods in cramped areas, use knee
pads. aa wl

«Take time to plan lighting needs,
materials, step ladders, ete. .

‘ «Use a tool box or other container to

put your tools in while you work—

* things get easily misplaced, .-

‘+ particularly if you're in a dingy
| attic full of insulation! -

’ «Before beginning your insulation
; job, read the instniction booklets,

Bach job varies and,.as'a result, so
will the tools and methods of
installation. Done .
Por more information-on how
you can best insulate your hoime, call

Natural Resources Canada ‘toll-free

“at 1-800-387-2000 (in: Ouuwa; call
995-2943), or write to Energy Publica-
tions e/o Canada Communication Group, °
Onawa, ON, K1A 089. and ask for the
iree booklet called Keeping the Heat ta.
Copies can also be obtained in’ the
RenoSense Planning Centre at your
nearest Home Hardware Store.

* Make sure that the caulking
adheres to the surface you intend
toapply ito. 8

« Look fora brand that’ suits your ’

“needs, For example, is it,
paintable? Is it-heat resistant?

* Caulking should be flexible -
enough to allow forthe natural
shifting of your home. ;

"9 Interior caulking is different.
from exterior.caulking: some

“types of exterior caulking ~”
contain harinfulcompounds
and should not be used inside, -
For more information on hew to.

make yaur home more comfortable
and energy elficiit,. vail. Natural
Resources, Canada’ toll-free at
1-800-387-2000 (in Ottawa, call
995-2943), or write to Energy
Publications. c/o Canads Camimuni-
cation Group, Ottawa, ON KIA 089,
and ask for the free booklet called
Keeping the Heat lao Cupies can
atso be obtained inthe RenoSense
Planning Centre al your nearest
Home Hardware Sture.

= eee

Ct ra

CORRIAVIEE
STOPPERS

635-TIPS

i

With all the choices available, it's

-| THIS NEWSPAPER
AD IS BROUGHT
TO YOU WITHOUT

COMMERCIAL
INTERRUPTION.

That's the beauty of newspaper advertising. When you’ve reached
a reader with your message, you've pot their attention and their con-
centration, Their coniplete concentration.

Nobady ever dusted furniture while they read the newspaper. Can
* radio and television advertising make sich a claim? No way! Too
many times those advertising vehicles are litile more than bacRground .
nolse, When people tum to thelr paper, they, tum there with iiterest.
Which means that's where your advertising message needs {o be,

vertise your business... But everything becomes a litele simpler when
you remember one rule... .

‘ifficult deciding how best to ad-

This ene 1404 spottsored by The.
, Tettace Standard and the Sriush
‘Galumbiq and Yukon Community
Hewipepire Assaciston

ANNOUNCEMENTS

REPORT POACHERS!
Private investigation/re-
search group seeks Infor-
mation about poaching,
baiting & illegal bear parts
trade. Up te $2000 offered
tor info Jeading te
arrest/conviction,
Contidentiality/anonymity

assured, 1-800-889-1597,

b

ee AUTO. wen
F250. 4X4's, Explorers,
Jeeps, Diesels, Ali makes,
all models, lease, returns,
trades, O-Down, good fi-
nancing. Free delivery,

~~ Phone lor tree approval

ask for Grant 1-800-993-
3673, . :

WHERE CAN you lease a
Ford F150 for $214.82 per
month with airftil/cruise &
more? Phone for more info
531-0924 or 538-9778,
D.8367.

BUSINESS
OPPORTUNITIES

EXPLODING
INTERNATIONAL Opportun
ity in a multi-billion doltar
industry. Auto after market.
Distribution system allows
participants high Income
with minimum time in-
volved. Details: Ron
Bidewell 951-2524 Surrey.

GOVERNMENT FUNDS.
Government assistance
programs information avail-
able. For your new or exist:
ing business. Take advan-
tage of the government
grants and loans. Call 1-
800-505-8866.

AWIK KEAB - Own your
own business. Part-time or
full-time. Installing on-site,
continuous concrete, land-
scape edging, total equip-
ment, proven system, train-
ing. 1-300-667-KERB.

NEEO MORE Money but
nol another job-or MLM
hassles? Free Into leave
your name/address, voice
mait (604}878-8121, Fa

(604)936-74 84. a

GET CASH from: your
RRSP Tax Free. We are
presently conducting a sa-
ries of [ree seminars on tax
reduction strategies and
Investment Opportunities In
Government authorized In-
vestment programs. Call
(604) 683-3226 for Into.

PEPPER SPRAY dealers
needed, New and legal in
Canada. Exclusive territo-
ties available. Excetlent
cash flow business, Full-

lime or part-time. 1-800-.

718-9598. _

UP TO $500 or mara week-
ly typing al home. No previ-
ous experience. Free infor-
mation, 24 hour recorded
message: 1-807-346-8602
Ext.241, (Star-up Manual:
$19,95 .

BUSINESS
OPPORTUNITIES

EMPLOYMENT
OPPORTUNITIES

ESTABLISHED CLIEN-
TELE with. newly located
restaurant near college,
with catering possibilities in
University city. $63,000 in
equipment etc. Will consid-
er serious offers, (604)560-
5497 evenings. :

SIZZLING! EXCITING! Live

1 on 1, Beautiful girls ready

-to talk to you! Call Now!

Only $1.99/minute. 1-800-

970-5558, 1-900-451-6115,
011-995-328-624,

COMPUTERS

CENTS-ABLE Computer

Help. Qualified Technician

to help with most P.c.
problems. Call 1-900-451-
8368 $2.95/min, must be

18+ 10am to 11pm,

EDUCATION

COUNSELLOR TRAINING

Institute of Vancouver of-
fers correspondence cours-

es for the Diploma in

Counselling Practise be-
ginning this month. For a
brachure phone Toll-free 1-

BOO-665-7044.

A NEW Career? Trained

apartment/condominium
managers needed - all
areas. We can train you

right now! Free jab place-
ment assistance. For Infor:
mation/brochure call 681-

5456, 1-800-665-8339,

EDUCATION

BE A Successful
Writer...write for money

and pleasure with out

unique home-study
course. You get Individual
tuition from professional

writers on all aspects of
writing-romances, short
radio and TV

stories,
scripts, articlas and chil-
dren's stories. Send today
for our Free Book. Toll-free
1-800-287-1829, Fax: 1-
613-749-9551. The Writing
School, 2533 - 38 McArthur
Ava., Suite 2562, Ottawa,
ON, K1L6R2, |

FREE VIDEOTAPE Dance
Courses, Social, Country,
Line-dancing, complete li-
brary fisting of 500 dances.
Write: Canad-A-marica,
2019 Aylwin, Montreal,
HiW 3C4 or Box 2065,
Cornwall, Ontarlo K6H
6NB.

EMPLOYMENT
OPPORTUNITIES

INTERNATIONAL AGRI-
‘GULTURAL axchange.
Ages 18-30 with agricultur-
al experience to live/work
with family in Australia,
New Zealand, Europe,
Japan. Costs/daetails: 1-
800-263-1827, #106, 7710
- 6 St. S.E., Calgary, AB,
T2H 2L9.

FEDERALLY INSPECTED
Meat Processor has open-
ing for energetic Production
Coordinator. Must have
knowledge in all aspects of
processing and capabilities
in leading a productive
team. Growing company,
good benefits, excellent

mi eicee De - wark environment. Please _
» BUSWIEGS. PERSONALS « Cai4 Feet mame: Nosdatk © Ing schoo
J . “ar club reunion? Easy-con-*

Fine Meats, 4951A-78
Street, Red Deer, AB, T4P
1N5 or Fax to: 1-403-343-
8066.

EQUIPMENT

140 G GRADERS, 5 Wa-
TERTRUCKS, 10 loaders,
& plowtrucks, 10 com-
pactors, 8 lowbeds, § back-
hoes, P&H crane,
Kenworth dumps, 4 fuel
trucks, Call Vic 1-604-493-
6791.

FOR SALE MISC.

SPAS! SPAS! Spas! Buy
factory direct. 5-person

These ads appear in approximately 100
community newspapers in 8.C.and Yukon
and reach more than 3 million readers.

a

spa, $2999. or 10-person

spa, $3999. complete.
Save $1000, plus save the
tax. Limiled offer!
Reaplacament hard cavers
$299. Call 1-800-998-6312.

ATTENTION COMPUTER
Users. Buy & Sell Press
classified ads now ontine,
Frae service,
http://www, buysell.com.

*LAPURE HI-TECH Water
Filters.. Less than 1
cent/gallon. Why take risks
with jugs, bottles & car-
tridges? Remove chlorine
chemicais & metals. Eau
Canada 1-800-403-9298,

HEALTH

CAN'T SLEEP? Melatonin
quality U.S. brands 3mg,
60 tabs, $19.95ccn, plus
$2.50 S&H. Cheque or
money order: Alpine, 4291
Meridian Street, #313,
Bellingham, Washington
92301.

_HELP_WANTED

BUSY NORTH Okanagan
Dealership requires
Maintenance Technician.
Must also be able to Install
accassorias = (running
boards, atc.), Please re-
spond w/rasume to: c/o
Box 1163,.Salmon Arm
Observer, P.O, Box 550,
Salmon Arm, B.C, V1

AN7. :

HELP WANTED

VANCOUVER ISLAND
Hydraulic Repair Facility
requires immediately a
Hydraulic Sarvice
Technician. Must have at
least four years expert-
ence, specifically in the ta-
pair of hydraullc and pneu-
matic components as well
as outside ‘service -and In-
stailation. Machining and
walding an assel but not
essential. Good wage and
benefit package with excel-
lent working conditions.
Fax resume to! (604)748-
6313 or call (604)748-2124
for appolatment, ;

HELP WANTED

Zam COMMUNITY NEWSPAPERS Network Classifie ds

ASSOCIATION
Britith Columbia and Yukon

275 for25 words |To placa an ad call
$6.00each |this paper or the BCY-
additional word {GNA at (604) 669.9222

PERSONALS

JOCUS TOYS needs indi-
viduals in B.C. Over 250,
toys and crafts, 65% under
$15. Home parties cata-
logue sales, Join us this
busy season. Call 1-800-
361-4587 Ext.9347.

INFORMATION

PEOPLE FINDERS,
Adopted, lost friend, miss-
Ing-family, platting schook-

“%

fidential - Canada wide. it's
worth a try. $3.99/min.
18yrs+. 1-900-451-4167.
http://www. jumppoint.com/
peoplefindars/.

LIVESTOCK

LLAMAS (legacy Classic
Sale IX), 66 liamas being
sold by auctlon June 8/96,
Westerner Exposition
Fairgrounds, Red Deer,
Alberta. Cal! 1-403-346-
3148 for details or cata-
logue,

ALPACAS - THE world's
finest livestock investment!
Calm, intelligent, profitable!
Mind-boggling returns with
few animals. Turn $29,000.
Into over half a million!
Free report shows you
how! Serious inquiries only
1-403-440-4697,

MUSICAL INSTRUMENTS

YAMAHA PIANO Sale -
Panticton two days only
May 25 & 26, 12-5.
Location: 380 Powers,
Penticton. 25 Yamaha pi-
anos from BC Festival
sponsored by Moir Pianos,
Kelowna,

CLAIRVOYANT PSY-
CHICS/ Master the power
lo choose your future.
Truthful, accurate answers
by authentic psychics.
Problems solved, destiny
awaits. 1-900-451-3778,
24hrs. 18+ $2.99/min.
LC.C,

PERSONALS

HEAVENLY PSYCHIC
Answers. Serving over 50
million readers and multi-
talented psychics. Free as-
trochart with your first read-
ing! Relationships, Future,
Career, $2,99/min 184+ 24
hours. 1-900-451-3783.

CANADIAN ENCOUN-

‘TERS. Meet your match 1-

900-461-5370 Ext.64a,
Local singles want to con-
nect with you. Min, 18 yrs,

- $2,99/min. Call now for

Love and Friandship.

LIVE, ACCURATE,
Professional psychics teil
you where your future lies:
love, marrlage, relation-
Ships, career; reunite you
with loved ones,
$2.75/minute,. 1-900-451-
2787, 184, 24 hours.

HELP! SUFFERING from
Depression? . Abuse?
Addictions? Loneliness?
Confusion? Relationship or
Sexual problems? Quallfiad
counsellors available
24hrs, Confidential. 18yrs+.
$2.99/min. Gall The Key
Counsellors 1-900-451-
3030,: Z

CANADA'S MOST Gifted
Psychics have answers to
your problems or questions
about health, love, relation-
ship, money, lucky num-
bers. $3,49/minute. 18+. 24
hours, 1-900-451-4336.

ADOPTEES/BIRTH
Parents/Family Members,

‘Canada =Wide= National

Registry and’ search assis-
tance 1-800-871-8477,
Information line 1-800-871-

8477. E-mail-fiewnr@geor-

gian.nel. zs

20/20 WITHOUT GLASS-
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cal, permanent restoration
in 6-B weeks, Airline pilot
developed. Doctor ap-
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mail: 4-406-961-5570,
Ext.404; Fax: 1-406-961-
6677. E-mail:
Vision @Montana,com.
Satisfaction guaranteed,

ARE YOU ready to experi-
ence Exxxtasy? 1-900-451-
3936, 18 yrs+, $1.99 per
minute. Women call free
895-5535,

RECREATIONAL
VEHICLES

TOP DOLLAR paid for
1980 or newer RVs. We
will pay you immediately for
lale model, good condition,
claan AVs. Woody's RV
World, Calgary. 1-800-531-
4695, 1-403-240-1212.

SALES HELP WANTED

FUNDRAISING CONSUL-
TANTS required for quality
Good/Gift line. Excellent
commission, territories
available. Mail/Fax resume:
#1-11443 Kingston Street,
Maple Ridge, 8.C. V2x

OY6. Attention: Val
(604)465-4820,
SERVICES

WE TAKE The Fear out of
ICBC. Major ICBC injury
claims. Jos! A. Wener, trial
lawyer for 27. yaars, Call
free 1-800-665-1138,
Contingency fees. Simon,
Wenaer & Adlar,

STEEL BUILDINGS

STEEL BUILDINGS:
“Cheaper Than Waod”,
Quonset-Straightwall quon-
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Bulldings. B.C. Company,
we won't be undeérsold,
Service and satisfaction
guaranteed! Wastern Steel

‘Buildings 1-800-585-9800,

STAR PRE-ENGINEERED

metal buildings since 1927,

Highest quality engineered
for value.
Sales/erections/founda-
tions. Call the Pros at
Kodiak Stee! Bullding
Sysems toll-free 1-8a8-
S6STEEL. ;

oe