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PAGE " - WAN m. WY. DerXMSErt 7,1996 stayhome.Itm'1lhelptedmrtttedefitst AtGstthatyrthevGrtttatTYensuryBt-dPtmidaitArtV tonnes. Butit'snotjustthestayingathomethaoillhelp.You havetoworkthere. lnhxsspeechtothetelewotksympoeiumheldinTmntoremtly. Mr Euleton suggested that civil servants working from home wouidrshavthetequirementrnrMk-.Thisrmuluirtsir able savmgs forthegovernmentandtlntmouummetupayer. It's called telework or telecommuting and ith the latest trend. People work from home using computers, telephones and fax maciunestostayintouchwiththet_espopular,it'-d andrtmakesalottOertae. ThegovernmenthasbeentestingtheamtmtThiaisthethitd andiirararoftlteteleworepiktandtheee'sattout6000people workuogeitherfulltrpart-timefrmnttteirhtmte.sothr,it'e suweesfultest Both prwate and public secure have been testing telewwk and preetttedsometétheiriimfmgsatttteemiyrn. ()neofthekeyiseuesissavimltappeersthatewrymemon this pomtbothemployerasndemployees Employers saveon real estate costs humane therdontneed to haveistnanyoitices.Thistkesntsoundtoogoodhrtmtrneerial teiestatedevekr-tnan-.1nadditimt,emploreraPtrtiau patuwnteleworeprm'ertareporthigherpruutivitygrtinsof1th40 percent Employees are also happy. Usingaoartommmutetothe dfias, even when it's only a 30-minute commute each way costs about $5ooor-ttr-rhtmtasrtmirtt-,eslineandpttrk. imr1fanrme'saxnmutimroetthe401,thehetkingmoeethartthat harhourtrttAnditasujustastnuchtositintndhcastodrive Addtothesavirgpwhatr-ndonlunchartddfiasclothesand this Nxomesaverypngitableventure.AndtheidngontheaAeis that the tax department lets you write offpart of your house expenses f you work at home. Canth1sgetanykter?Yets, LnastudydmebyhndaDuxbury,aCarletonUnjversitypmfee- sor.itwasdetermmedthatmarkmghmnlmme,evenonaparttime bans, decreases stress for the employee. The professor used two government telework groups and a contml group to measure pro ductmty andstressonthetelewothngemployee. You-tedit-ttern-th-thir/fthe-p thought their prmiuctivety had mm And about halfof their surrvuorsagrtedwith them. When ttcametostzestr,rneaauresslt-iitmmttkrwnslightly for men and quite a bit for women. At the end f the teat period, atxyutortethird0ftltewtmtenhadhighat_eveltoaoppasaito aNuhalfwhenthetestbegan. sotnanypadtivethimpriaudhanilybelioeallthiagootir- alxnstmHirxrathane. ThenithitmeNlmmtt_atlame?8ureittnakiertaeif Jhavearmmttowriteandallthermeardtht_tute.But1 spendrnmstottnydarintneetingB.Tekex_tdmt?rtttirtk1 wouldoetlygetptsrtoftheinRmiatioetandimedalithed_ Aaisrsavingmtneytmeuhes,thaestmedtn_it-timec Andtruiistgoutonhmeltmuldbetnotnudittte.Cuairtgout thelatmtrmtaurantaandtneeting_p-leeanbetttehigh- Wefmyday A _ “Mm” (519)“ "hetntieIumiatxmtt-irxr,th-mrema_ 1eyelir-difNtmettrmmtithedBe,lttmr'irtNhtmgtsrxrtrt kntrwi'm-irewhtnrsrxrtothinkatne,rhutperinotius andrammnarm Alltttuhightmhandt_ir-ritegrmthutNing rummage. Save money, stay home One of my colleagues recently drew my attention 2u.'g'ttdot',rasteg2'm'gdrs.foc,1,tegteg old c ient who was retiring in 5 years. He wanted his RRSP to grow f9r those 5 years and then produce a retirement income. And he wanted all of the growth and all of the Income completely guaranteed. His current RRSP value is $200,000 and, using government guaranteed bonds, we Dunk-u ecks leBalancm Pattie Moran A weekly at!“ hithi Brian Walton, Welland Walwyn. ?rrmtmeedtistreoth-veusdsmattrCa_,rCrsis CHE BLUE CHIP Th, Queer} takes the headache out of Christmas gift buying Chronicle Staff Jennifer Chadsey of Waterloo boldly gee: where other: fear to ' Many dropper: fear the wrath dbmy. amgmted sht8rirgr malls inc battle for a parking spot But in the sport of shopping, Chad. sey's love of the game and her ability to find a bargain in mne- rable to hockey mm Wayne Gretzky! love dthe game and his gtsaMaseirtgkrttttk Realizing that she has the tal, ent of knowing when to find the beat than in Kitchener-Waterloo, Chadaey put her hobby to work and establ'nhed her m ultimo, The8hoppirtgFesL n love to lbw And I love to save mtmry,uaidChttdaer,Sutihate to see people in stores buying something I know they can get new: the m for 20 to so per Withtimeonherhtmdis,aheklt thatsheeouid cream-bulim- with her own hours. And, with 9tritmayut.armtndt.ttetem!r, ishopiriNhats)reaeehrulderto shoulder and parking, even on weekdayB,itsnexttoimptmiNeat platmliUWata+oTtrmtsquare andrairviewNrkMall. Shedtxidedtogearherbusitte" toalto-rhohavetrrtaketan's totnalls,rmrxrmother_Ums to deal with stngkrhound babies. and the My. "A lot of people who are work- ing, dont have time to check all thet1y-nd-hahtaetattle.1 can do that for them md save tohireatuhritieriieiisurtok" dollars per hour, I’marea] bar- In the land of‘shop til you drop' and'ettatit',Chaaeyitsthereigrnhrquen.Her reeeurch department is her mailbox, where she retrieves countless flyers, leaNta, magazines and anythim else that contains local advertising. lb her, there's no such thing as junk mail. Cha&eydtekaallttteHtttebastdti,bur thetrsquimfitan,delimmsittoheratstmmr'sune al1fteaiutkedt6permderethefimt-utd $2etitehgtmettfur.8heaugivelteremtaneothe o8'mtfrthrtterartturtountequalto10p-ttté thetntaltiIl.Eithermtr,Cha&ertnaUhermoney byuvimoduumny. Ifanitmtitsh_t100,andcttadiseriindsit within ItitehemrWaterloo for $75, she charges her 'yatert6,1-inetltatperatmanoveeuiG- $19.Tttaeiseoddealaanp-dtottteteitmi) BERN TO SHOP "Andiitr'kurxrrnattemuvine structured a portfolio where he'll receive $25,000 per year for the first 10 years of retirement ’ guaranteed. At that point, his principal remaining will be $375,000 .. guaranteed. Not bad for a portfolio worth $200,000 today. If you're approaching retirement, and would like to see how a plan like this would work for you, just give me a call at 8886688. ----r-sr-.- P Til Jonah: Cttadser,Ttte8tttmtl M, undo mmcmubtmngmmddnpézumn a000. "mourn-mum .nmnooo.wm.o.mnmrz “WWW "a.” thttyerN, complrinon Ibnpper _ m mt that. "lutthletirneetairinglhmttmllhtttall. benwhentheChritrtmto-tistme,tuSMtr pirxrtluemeantmstsinmightrh-tramevaiem tirte'irDar,Mothenmr,oremttirthdqs F Chaaerhassal-ttkdtter-itiltoppiag iirgmasnuthttetudtnierA1rrrtnratRtsv mountP1ate,cudmru0mrtdh-dritmingfte severaloftheittsni-hotimin-trrtmtsttams theatmettruntheattq#n- ntmstsgtirxrtotmtiftmi8turrt-ihird uthtomtr'ioortigumtthatr'ddtethatst6, aai&tltedma'irthan.' Tt-quirtNtu-itmdthMhtq.'rin atneal1ChadmratNM06& ILUI (NI! INIIKING MIDLAND WALWYN