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Three stages to financial success There are several stages to your financial development. The better you manage each stage, the better off you will be from a financial perspective. Your income has the potential to increase as your career develops.Cash flow is tight because of the morgage plus other necessities like furniture and family expenses. Stage one is the accumulation stage. You purchase a house and then during the next decade or two, you pay off the mortgage. During this time, you should start investing in a RRSP. Not only do you need the tax deduction, but building a retirement nest egg needs time. Your largest financial asset is time. By starting to invest in a RRSP at an early age, your investments will have many decades to grow and compound. Stage two starts when you have paid off your mortgage. Convert your savings ability from paying the mortgage to purchasing regular, nonâ€"RRSP assets. I» Starting a business Any person considering starting a business, or who is in business and has questions, is welcome to attend the next free session, which will be held on Wed., March 31st, from 7:00 â€" 9:00 p.m. at the Chamber of Commerce offices on Country Squire Lane by the Small Business Committee. The Oakville Chamber of Commerce invites anyone considering starting a business to its â€" Starting A Business Panel. Members of the Chamber with expertise in areas such as finance, insurance, law, and human resources, volunteer their time to answer the questions of persons considering starting a business. If you are interested in attending the March Starting A Business Panel, please contact the Oakville Chamber of Commerce, 845â€"6613. Oakville‘sSavâ€"Aâ€"Centre store at Trafalgar Village, has received an award. of merit for good merchandising as part of the Foodland Ontario Retiler Awards. The project is sponsored by the Ontario Ministry of Agriculture. The awards recognize merchandising excellence in promoting Ontarioâ€"grown and produced food products and continuous support for the Foodland Ontario program. (See RRSP page 23) | THE OAKVILLE BEAVER | There were smiles all around Sunday, when the Hopedale Mall Kmart Canada store celebrated the firm‘s 30th anniversary. Store staff braved cool temperatures for a special commemorative photo (top) while former Oakville store manager (above 1 to r) Ken Morton, Gary St. Angelo, director of marketing Kmart Canada, manager Doug Thomas, councillor Ralph Robinson, Tony Antoniuk, home fashion division manager and employee Colleen Leney cut the ribbon. A special recognition award (above right) went to Betty Butler for 23 years of service, while retired employees Marie Verveke (below right) and Mami McMaster cut the anniversary cake. And that‘s store manager Doug Thomas (below left) with Oakville Waterfront Festival mascot Jake from the Lake doing a little celebrating of their own. All in all, quite a day for employees and customers alike. EBRATES 3O0TH ANNIVERS,/ FRIDAY, MARCH 19, 1993 PAGE 20 Mark Slipp, Investment Executive Fidelity Far East Fund (416) 359â€"4633