Wednesday, January 13,1999

he start of anew year
provides us with the

: opportunity to reflect
on last year’s achievements
and to focus on our goals for
the upcoming year. Unfortu-
nately many new year’s res-
olutions are not followed up,
but there are some that defi-
nitely should be adhered.to.
For those who are serious
about wanting to improve
their financial situation, this

a “eYucatan Chien! pela

WESTCOAST FAMILY DINING reservations 5 call ‘652- 9855

Co, EE EE

Penny Pinchers

Breakfast |
Special

Sausage or bacon, 2 eggs, «
-hashbrowns & toast

“Lanch,
| 5 Special —
© Daily Soup @ >

Sandwich

YB - 6772 Oldfield Rd.,
, off Keating X Rd,
+ across from | Sherwood Marine

Mon, Fri 7 a pm Closed Weekends

2335

eee enernenre remenee

| SMOKE FREE ENVIRONMENT

~ Daily Breakfast
and Lunch Specials

~ Watch for up coming
5 : “ q
Seniors Discounts

HOPEY ANS DINER

MER

dated ae teow inv the Siciney Uo ener I:

656-8005

spirometer a0 noeprarneesstmnneeomatnsn som wabnenttn otagnnt nnsraseneemanrate tm

coietmnamon titegtney onnemannyt pare omnuenial FrenNLity tener tH meen) Raman

WELCOME anck TO THE | OLD FAS SHOE D

soups, So
| FOOD, AT |: drop in :
OLD FASHIONED | feanand
sample
PRICES! some of.
ERR WEE, Theo's ©
homemade
! (8 | style of
breakfast 8 Lund sainchi: Ne Pease AY! cooking,
___ 10025 Galnian Wa, 68S hy cdopeea PC ower ll

NESBITT BURNS

WMumber of tc Bank of Montreal Group of Companies

is a great time to resolve to
follow a few basic principles

of investing.

You must have a financial
plan.- Investing. without a

_ plan is like starting on a

cross Canada trip without a
map. There is an old saying
that states, ‘you must plan
your work and work your
plan.” Without a plan you
have no basis against which

to judge the suitability of a

102-9845 Resthaven Drive
Sidney, B.C. V8L 3E9

Dini Lg on the.

Wed. aThus e LUNCH ..

PLUS WINTE

‘the : sea .

KAYAK RENTALS |

riori

a Max-ing out the credit card at Christmas might be an annual sroblen, but don’ t make a habit of living beyond your monthly means

given investment.

If you don’t have a plan
—— make one. If you do have
a plan — review it-to ensure
it is still applicable.

Resolve not. to spend
more than you earn. Simple
as it sounds it is very diffi-
cult. in practice. Soon the
Christmas bills will be arriv-
ing. If you overspent: get
them paid off as quickly as
you can and don’t do it

Raiph Sommerfeld, F.C.S.1.
Senior Investment Aavisor

Tel. (250) 655-2320

544-1565

a enna

‘Spitfire Grill,

~The newly opened Spitfire Grill on the west side of
“the Victoria Airport is a welcome addition for those»

ready for a copious breakfast at 6 a.m., as well as for

those who enjoy watching the airplanes take off and

land — Spitfire Grill is right on the airfield! Owners

Mike and Jacky Keepence (owners of the Brentwood

Inn) and Wally and Barb Boctor have teamed. ‘up to
_ offer a menu selection that satisfies the most.

discriminating palate, from light to full mea

Is es
es

“Happy Days Diner —

| Happy Days Diner offers a warm ( riendly atmosphere
i) while enjoying a smoke-free environment. Happy Days.

has came to be known for their famous liver and
onions, lunch omelettes and freshly made homem ade

ad OM nee!
Peete
a! ais

Pi LINN TON

H
7
i

_the west-end. of the airport hoe
9681 Willingdon § Rd, Si dney ws =

BC.

again. . Debt, particularly
consumer debt, is a huge
detriment to. accumulating
wealth. Use it wisely. but
sparingly.

Resolve to pay yourself
first. What is meant by this is
saving and investing should
be a budget item just like
any other. To accumulate
wealth-you must have a sys-
tematic program in place to
save moncy. That means not
saving what is left over. at
the end of the month. Instead

-it'means spending what is

left aside after you set aside

your savings.

Resolve to: use tax-shel-

in the.Green Hangar’ at”

Enjoy Rosa's

. 7 10 Wret Sayaireh re

_9819- Sth S

_* espress bar ° eat t in/take out age
g. banquet | acilitie

ixquiaile cuisine ; and:
homemade desserts with a fabulous cappuc cing

652-005

Sreuibwae as Vallige Sanare

Salmon - Served wvith ri rice, sautéed vegetables,
Caesar salad & garlic Dread sassesssseeesssves 11.95

8 o2. Sirloin Steak & Lasagna - Served with Caesar
‘salad & garlic bread cecccussecseiseep 12.95

Lamb Chops - Served with rice, roast potatoes.
Caesar salad, geirlic bread vie sccccesesoseneas

Street, *, Sidney

«Leeann tay-sesmuaniesnipem my RC stertenter fm RMN

_PENINSULA NEWS REVIEW 17

Ont

tered investment to. the
fullest'extent possibic. Taxa-
tion is one of the greatest im-
pediments to growth of cap-
ital. The longer you can de-
fer taxation the faster your
capital will grow. This im-
plics extensive use of Regis-
tered Retirement: Savings
Plans and Registered Educa-
tional Savings Plans.
Finally, resolve to learn
more about your investing
options. Far too many ‘in-
vestors have no idea as to the

full array, of options which:

are open to. them. If you
don’t take responsibility for
your money, who will?

656-7666 2

: GREAT. PUB MENU

Fora a view to match your appetite
visit the RUMRUNNER PUB located Phe
the breakwater and Sidney Pier

reseaheeuronanemanmn bint n Pe metvnee te te tees he tte ated aay

CHILDREN WELCOME IN THE RESTAURANT

ese manngworptraanineser eshte