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Salomon Brothers Fund Inc (The) Sterling Chemicals Inc. Cdn. 30â€"Â¥r. Bond Cdn. 3â€"math Tâ€"Bill Yid. Gold U.S. S. (Dec) Silver U.S. $ (Dec) CdN. Prime Rate U.S. Prime Rate Menasco Aerospace recently celebrated its 10th anniversary in Oakville. The company moved to town from Montreal a decade ago and now has 400 employees. The firm engineers, develops and manufacâ€" tures aircraft landing gear and flight control systems. On hand for the occasion were: (1 to r) John Cybulski, senior viceâ€"pres. Aerospace; Pablo Prieto, president; Jorge Lagoa, manager of assembly flight control and a 41 year employâ€" ee; Carol Fougere, viceâ€"pres. human resources and Ken Briggs, director of product support. The company marked a milestone this year with the first flight of the Boeing 777 which utilizes Menasco landing gear, the largest landâ€" ing gear assembly produced for commercial aircraft. Also completed this year was the first 70 passenger Fokker 70 jetliner which utilizes Menasco main landing gear, horizontal stabiâ€" lizer control unit and 20 other flight control sub assemblies. Toronto Volume Callâ€"Net Enterprises Inc. NV C1B B.0.C. Rate Dow Jones Ind. S P 500 Nasdaq Comp. Diamond Fields Resources Inc. Harmac Pacific Inc. 1st Installment Repts. Hilton Hotels Cp TSE 300 Comp. TSE 100 Comp. London FT100 Exceptional residential and commercial interiors. Compliments of Peter Lambert â€" Paul Stewart Karl Zimmerman Financial Advisers 4143.84 252.04 3828.03 463.57 765.84 Niagara Falls (905) 354â€"2703 Net 12â€"Mo Close _ Change High Call Oakville (905) $25â€"9691 MARKET QUOTES 61,108,394 New York Volume â€"27.90 â€"1.80 â€"1.80 â€"2.05 â€"3.80 5.245 7.00% 7.75% Symbol HRC. Râ€"T 4609.93 277.38 3978.36 482.00 803.93 3520.30 12â€"Mo. 12â€"Mo From % Crude Oil U.S.$ (Dec) Natural Gas U. $.$ (Dec) 5 Yr closed Mortgage U.S. 30«¥r Bond Â¥ld _ U.S. 3â€"Mth Tâ€"Bill YÂ¥1d. Cdn. $/U.$.$ 1 Yr closed Mortgate $10.50 $11.38 Close 3959.85 â€"7.68 3593.35 438.92 693.79 2876.60 Net â€"9% _ 424,800 â€"177.59 â€"7.68 â€"290.90 +73.96 â€"2.88 â€"10.96 12/31 â€" Chng 326,744,880 1,367,500 Volume 425,740 36,725 54,500 8.14% 5.35% 8.00% 9.90% 17.65 1.618 +1.97 â€"0.62 â€"1.41 â€"8.51 4.11 â€"2.96 1994 ArtPress International About 50% of credit card users carry a balance from month to month. Card companies love these people because that‘s where they make a good chunk of their profits. Carrying a balance is often more expensive than you think. Pay off that credit card balance PAPE‘S TIP: "If you carry over a balance each month, make sure your card charges a low interest rate." * RRIFs * Stocks * Tâ€"Bills * Mutual Funds * Group RRSPs * Savings Bonds Find out how Nesbitt Burns can help you realize your financial goals. Call today to receive your free brochure Introducing Nesbitt Burns. Nesbitt Burns â€"Working in your best interests. At Nesbitt Burns, we believe in high expectations. They bring out the best in all of us. It‘s why we welcome the opportunity to demonstrate what we can do to help fulfill your investment goals. Whether you‘re saving for retirement, seeking capital growth or funding a child‘s educationâ€" we can help. As Canada‘s largest investment firm, we can provide you with the most complete range of products and services to meet your needs. * RRSPs * Bonds * GICs * RRIFs * Stocks * Tâ€"Bills *« Mutual Funds * Group RRSPs * Savines Bonds xceeding expectations Call Craig Suttie, Investment Advisor (416) 359â€"4597 or 1â€"800â€"567â€"3006 * Bonds * Stocks * Group RRSPs Cheaper money Personal loan: Pay off credit card or make major purchases with money borrowed at a lower rate. Line of credit: Rate near prime with good security. Remember e Cash advances are charged interest from the date of withdrawal. e Most department store cards charge 28.8%, which works out to 32.9% compounded monthly over a year. @ American Express cards don‘t allow credit. Overdue accounts are hit with a hefty fee. @ If you‘re looking for a lowâ€"interest credit card, Canada Trust Masterâ€" Card now offers 9.5%. GRAPHICS SYNDICATE 20/11 This article is courtesy of Peter Lambert, Paul Stewart and Karl Zimmerman financial advisors with the Midland Walwyn Oakville office, call 844â€" CHIP. It is difficult to pass wealth on effectively without a will and for this reason, it is not only important to draft one but also to review it every few years. If you don‘t take the time to organize your estate carefully, your plans are not likely to be fulfilled. While no none likes to talk about planning for death, your wishes can be filled with a s little aggravation to you as possible if you take a few simple steps. Seek qualified advice and take action today. While estate planning tends to focus on death, you should prepare throughout your life by attempting to maximize savings and minimize income tax. It is vital to take the time to prepare a will. Many people do not realize that if they should die "intestate", provincial laws will dicâ€" tate the timing and allocation of asset disposition. Estate planning is longâ€"range personal planning aimed at ensuring that your assets and earnings do you the most good while you are alive and your heirs the most good after you die. The three fundamental objectives behind the creation of a ‘will are to ensure you have adeâ€" quate funds to cover estate costs, to conserve your wealth by keeping as much money from the taxman as possible and to guarantee fair distriâ€" bution of your assets upon death. While there is a natural relucâ€" tance to talk about passing on wealth, you will lose control of the lifeâ€"long accumulation of your assets if you don‘t spend the time formally planning their disposition. Making up a will a critical first step in estate planning Estate planning has been receivâ€" ing a good deal of press lately because changes in taxation and family law, and the rising costs of settling an estate have made careful planning more essential than ever.