The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

W hy buy CsB‘s? Canada Savings Bonds will pay 4"/.% for the year starting Nov. 1, 1993. The rate will drop from the current 6% down 1%/%. Last year the 6% rate seemed low, but Canadians urchased _ an incredible S9.f billion in new sales and rollovers. Will rates continue to drop after the election or have we seen the bottom? There is no doubt that if I knew the answer, my choices would be simple. However, the question is do I buy CSB‘s today or look at either a GIC or a mutual fund. Mi' research indicates a GIC can still be had as of Friday the 15th at @ 5%/% for a one year term. Yet my imgessions are that GIC rates will likely fall a little before month end, as most institutions will not want such a large éag between CSB‘s and their GJ rates. An alternative would be to look to a fund com‘Sang like MacKenzie Financial who have K;oducts like Income Funds and ortgage Funds on which the returns can be much higher over the longer term. Although this return is not without a certain amount of good fortune, rates have dropped a considerable amount over the last few years. The real decision is not where to put your hard earned dollars but what time lines are you facing. If you have no need for the income or the rincig:l over the next year pelgnaps best choice is a GIC. But bear in mind most GIC‘s can be locked in. If you believe that rates will remain at current levels, or you ma{ wish to make your choice early next year, then a CSB can be cashed in earlé 1994. Tâ€"bills are yielding 4.55% for 90 days and can be cashed at any time. If your needs are to have a monthls' income with a good level 0 safetz;cl see funds like Mackenzie‘s Income Fund as an interesting alternative to a CSB or GIC. Many companies will be offering you competitive products over the next few weeks as the competition for your investment dollars heats up. Perhaps the best choice is not to take the first recommendation. Do a bit of homework and shop around! The rates will vary from institution to institution. This year CSB‘s are not my 1st choice, but they may be right for you. Should you have any questions concernin% this article, Mr. Andrew Blanchard can be reached at the new Financial Conc:]zft securities office in Oakville by calling 338â€"8600. Sponsored by The Financial Concept Securities Halton Credit Union celebrates 36 years of growth en it comes to banking in the 1990s, consumers are faced with a myriad of choices. From savings accounts and personal loans, to mortgages and guaranteed income certificates, the range of financial services seems endâ€" HOWARD HADN‘T REALIZED THAT ON OCTOBER 4TH AREA CODE 905 wWiILL JOIN 416 To HELP cakey THE LOAD. W â€"~ _ _1 P\ W BUSINESS [HE QAKVILLE BEAVER . Locally, Halton Credit Union was established in 1957 in Milton. Throughout its more than 35â€"year hisâ€" tory, the organization has grown steadily, with assets of $70 million. For about one in four Canadians, the choice is the Credit Union. A uniquelyâ€"different financial organizaâ€" tion that offers not only a wide array of financial services, but is a moveâ€" ment based on the spirit of coâ€"operaâ€" tion. less. Coupled with these options, conâ€" sumers must also decide which finanâ€" cial institution can best meet their needs. We believe the conservatively managed Industrial Income Fund £onfolio â€" combining government and corporate bonds and selected senior equities â€" is a timeless investment solution. You‘re looking for higher returns than are currently available from deposit instruments or treasury bills, But you don‘t want a risky investment. To meet your needs, we recommend Mackenzie‘s Industrial Income Fund, on the strength of its consistently superior rates of return for more than 15 years. _ _ For more information on this and other incomeâ€"building investment alternatives from Mackenzie that will let you take control of your financial future, please call us at the number below. Today Mackenzie The Industrial Group of Funds The Addiction Research Foundation is offering a new treatmentâ€"research program that can help you. Treatment is conducted individually on an outâ€"patient basis in the Toronto and Mississauga area. All information is maintained in strict confidence. For further details, call weekdays 595â€"6099 Higher Income Buit Here. Consistently. WANT TO DECREASE OR STOP DRINKING? iave reauced uture retut? ARF 150% | 15.2% | 10.2% | 13.0% | 10.7% Industrial Income Fund Addiction Research Foundation Fondation de la recherche sur la toxicomanie Andrew J. Blanchard Like other credit unions, Halton Credit Union is a memberâ€"owned and democraticallyâ€"run financial coâ€"operaâ€" tive where members purchase shares, and participate by exercising their democratic right to vote on decisions affecting their credit union. In turn, an elected board of directors oversees the credit union, represents their memâ€" bers‘ interest, and is accountable for their decisions and actions. I MUST HELP HOWARD THROUCGH THIS. l‘LL 6IVE HIM THAT SPEC/IAL INFO NUMBER: 1â€"§00â€"465â€"1416. OR I‘LL -‘â€"7:! 6ET HIM TO CHECK THE __n 7A 4 PHONE BOOK FOR DETAILS Peter Buwalda, Halton Credit Tephone (905) 338â€"8600 the Fund‘s Union‘s General Manager said, "Halton Credit Union, with its five branches and 12,000 members, is one of 563* chartered credit unions and caisses populaires in Ontario. On a national basis, there are 2,615* orgaâ€" nizations and almost 10 million memâ€" bers â€" about 35 per cent of the counâ€" try‘s population. d 125 Cross Ave 0560 The Oakville management consulting firm of Arthur Rivard & Associates Inc., will be holding a three part mini semninar series starting on Oct. 20th and continuing on Oct. 27th and Nov. 3rd. Topic of the first session will be ‘Developing an Effective Performance Management System‘ and will run from 1:30 p.m.â€"5:00 p.m. The $95 fee includes a copy of the presentation and text on ‘How to do a superior performance appraisal‘. All seminars will be held at the Glen Abbey Executive Suites, 1155 North Service Rd. W. Unit # 11, Boardroom Facility. 1} CRAFT SHoOW Performance management seminar today For reservations or more information, contact Art Rivard at 847 mOAKVILLE UNITED WAY To all craft persons and artisans to participate in our Fall Craft Show . . . Show dates: Nov. 4 to 6. Limited space available. For information please call 845â€"8341. Trafalgar Village Fall } (Across from the CO Station) ‘"To further magnify the scope of the credit union movement, memberâ€" ship in the World Council of Credit Unions has now reached the more than 86 million mark. That‘s 41,570 credit unions in 85 nations around the globe," says Buwalda. Despite its size, the credit union‘s spirit of coâ€"operation â€" mutual selfâ€" help, democratic control and volunâ€" tary membership â€" has a proud and history. IT‘$ SIMPLE, HOWARD, IF YOUR POSTAL CODE BECGINS WITH ‘M‘ LIKE EVERYONE IN METRO rORONTO YOU KEEP 416. OTHERWISE, _ geme YrOu‘Rc 905. ______J inoommomnonpnmemommammantos To mark the history of growth vilation For Information please call 845â€"8341 WEDNESDAY, OCTOBER 20, 1993 PAGE 10 and prosperity of Canada‘s credit unions, on October 21st, Halton Credit Union will be celebrating International Credit Union Day." Ever since the first Credit Union Day was observed in 1947, the credit union movement has continued to be based on a single, guiding philosophy; ‘"This year‘s theme, ‘The Power of Partnership‘, aptly describes the very essence and structure of the internaâ€" tional credit union movement. Through this same spirit of coâ€"operaâ€" tion, Halton Credit Union is commitâ€" ted to meeting the needs of our memâ€" bers," Buwalda said. For further information, call 825â€" 4264, ‘Not for profit, not for charity, but for service.‘ Directâ€"marketing seminar on Thurs Anyone contemplating starting their own homeâ€"based business or anyone wishing to develop a full or partâ€"time source of additional income is invited to attend. ‘ AdvantagePartnership, a Canadian directâ€"marketing company, is offering a free seminar on its profitable homeâ€" based business opportunity on Thurs. Oct. 21st at the Oakville Quality Inn on Bronte Road. The seminar gets underway at 7:00 p.m. 1988 CHEV CAPRICE BROUGHANM Ne ns 2 hl’{é’:f‘..gfi"":'fi (A xt Avthetist 7 PA