However, safety is a subjective issue and is often confused with the avoidance of normal short term market volatility risks. One of the fundamentals about investing is to differentiate between safety and volatility. important investment considerations. Once you have assets, it is imperative that you preserve them. Investmem safety is one of the most Know your investment risk ceiling A good starting point is to evaluate your long term financial objectives. You have to grow your investments to provide cash flow necessary to pay for the goods and services that you will require during your retirement. In order to do this, you will have to acquire assets that have the potential to provide that long term growth. The obvious concern is what happens if the investment goes down. Growth investments come with all the normal ups and downs that you might expect. In order for an investment to appreciate, it also must be expected to decline in value on occasion. That might seem a little strange, but that is the way it works. So, one of the first decisions for you to make is whether you want to invest for growth. Because if you do, you must be prepared for sudden market declines. We all understand the theory of volatility. The fluctuations that result in complications, from staffing headaches to inventory to (dare we mention it?) the GST. While there‘s not a lot we can do about the GST, there is a new product on the market designed to make life simpler for the beleaguered businessman. The life of the small businessman holds many The product is called Supertill, a new software package being marketed by Vertimar Software Systems Inc. of Oakville. President Paul Senkowski who developed Supertill says the beauty of the software is that it allows the shopkeeper to monitor sales and inventory in one easy step. Software package lets smaller operations take professional approach to business Computer age meets small â€" business The idea for the software was born out of his own frustration as the manager of a computer store. After working for many years in the retail industry, Senkowski says he realized that common cash registers were expensive, limited in their flexibility, and in many cases, difficult to operate. "I wanted to make my life simpler by cutting down on tedious tasks," admits Senkowski, "so I started to develop the software that would do the tasks for me." Senkowski says his software system is ideally suited to the | THE O/ a sudden increase are perfectly acceptable; however, it is understandably difficult to endure a decline. But volatility is not the real enemy. Inflation is the culprit. Volatility can scare you, but inflation can hurt you. It is critical for you to invest with at least part of your investments positioned for growth. Mentally, that‘s fine â€" but emotionally, you might not be able to stomach the short term volatility risk. By our very nature, we are risk adverse and have a tradition of insuring against normal risks. For example, your automobile is insured and most likely so is your residence. Well, why not insure your investments against the short term risk of a market correction? Here is how it would work. If you currently save on a regular basis, then just increase that regular saving‘s rate by 10%. If your investments <do decline Marianne Svarke of ‘To Set A Table‘ and Paul Senkowski: making business a little easier. (Photo by Riziero Vertolli) ds many _ "Mom and Pop", singleâ€"cashâ€"register type of operation that has ventory to a limited staff but lots of inventory that they don‘t want to not a lot â€" keep counting. (See ‘One‘ page 27) Supertill requires a minimum amount of investment (about $395 for the package), and can be run off any type of IBMâ€" compatible computer, with a black and white or color monitor, and a simple dot matrix printer. The Supertill is also very userâ€" friendly, according to Senkowski, who says that the average staffer could be taught how to enter sales in the system in as little as 20 minutes. "With the unfortunate high turnover rate in both fullâ€"time and partâ€"time staff," he says, "the short learning time required is an unquestionable advantage." In addition to recording sales like a cash register and taking inventory at the same time, Supertill can perform a wide variety of other functions such as: producing a complete sales history on any product; producing a "Top Ten" bestâ€"seller list of products; keeping an upâ€"toâ€"date history of customers and their buying habits, and a multitude of other functions. Anyone wishing to learn more about Supertill and its variety of uses can call 849â€"0947. WILLEKE SIMS (WILLIE) as a Sales Representative. Willie has been an award winning salesperson and brings with her 10 years of real estate experience. Clients and friends can contact Willie at The Management and Staff of White Oaks Realty Limited are pleased to welcome Kmart launches photo ID for kids Kmart Canada Limited has announced the launch of a new photo I.D. card for kids which will be available free of charge at all of its stores. The card is designed to assist parents in keeping an upâ€"toâ€"date record of their children. It features a color photo of the child, the thumb print, and the child‘s vital statistics, including medical information and an emergency phone number. The photo L D. card is part of Marty‘s First Aid and Safety Club, named for Kmart‘s mascot Marty, a sixâ€"foot tall cougar. Photos for the card can be obtained free of charge at any of Kmart‘s inâ€"store portrait StUdJOS across the country. Marty‘s First Aid and Safety Club was developed in alliance with St. John Ambulance, and offers a free 16â€"page safety activity book which gives parents many safety scenarios to work through with their children. To join Marty‘s Kids‘ Club, all you have to do is fill in a membership form at the * Hopedale Mall store or any Kmart outlet. Marty‘s Kids‘ Club is also an active supporter of Kids Help Phone, a national, 24â€" hour tollâ€"free, bilingual telephone counselling service for Canadian children and youth. Kmart has stage several fundraising activities for Kids‘ Help Phone since the founding of Marty‘s Kids" Club last May. In less that a year, Kmart and its customers have collected more than $125,000 for the cause. The NEIGHBORHOOD tip of the week: Think abour your Garden, a clean backâ€" yard creates a fast sale. At 6% Commission!??? Call us at (416) 767â€"8782 C OMMUNITY REALTY INC Independently Owned Operated â€"_homes in: Glen Abbey, River Oaks, College Park Iroquois Shore. Not intended to solicit properties currently listed How about 2% or less? Our ma,rketin% plan available to FRIDAY, APRIL 29, 1994 PAGE 25 (Not Long Distance) SELLING YOUR HOME? (Plus Marketing Fee)