February 04, 2015

16
Savvy Shopper February 2015 KELOWNA, WEST KELOWNA, LAKE COUNTRY & PEACHLAND CAPITAL news Love Your Money Over $ 2000 in Savings Inside

description

Section W of the February 04, 2015 edition of the Kelowna Capital News

Transcript of February 04, 2015

Savvy Shopper

February 2015

KELOWNA, WEST KELOWNA, LAKE COUNTRY & PEACHLAND

Capital news

Love Your

Money

Over $2000 in Savings Inside

W2 www.kelownacapnews.com February 2015 Capital News W3 www.kelownacapnews.com February 2015 Savvy Shopper

➥ Oil & Lubrication➥ Shocks➥ Brakes➥ Exhaust➥ Tune-Ups➥ Cooling Systems➥ Steering➥ Batteries➥ Fuel Systems➥ Engine Systems➥ Charging Systems➥ Electrical Repairs➥ Computer Repairs➥ Tires

winter maintenance package2006-2009

1. OIL, LUBE & FILTER: Change the oil, install a new oil filter and lubricate the chassis

2. BRAKES: check front & rear brake systems & report3. FRONT END: check shock absorbers, struts, & steering components4. EXHAUST SYSTEM: visual inspection of catalytic converter, muffler,

exhaust pipes, manifold & gaskets5. ELECTRICAL SYSTEM: check battery, lights, horn & wipers6. TIRES: rotate all tires, check tread depth, & adjust tire pressure7. COOLING SYSTEM: pressure test, check hoses, clamps, waterpump, &

radiator8. BELTS: check all belts & hoses9. FLUID LEVELS: check all fluid levels

$3688*all this for

See reverse for locations and coupon details.

PROOFPlease check the attached ad carefully. WE is NOT responsible for any errors unless you advise us now!❏ PROCEED AS IS ❏ PROCEED WITH INDICATED CHANGESAUTHORIZED SIGNATURE ______________________________________Please email or fax back to 604 606-8687Rep: ___________________________Phone # _______________________before ______________ or the ad will run as it appears. Thank you.

fi lename: Minit Tune_Coupon_Burnaby comp: rs

000size: 3.25” x 3” issue date: March publication: WE

BURNABY MARCH 6AD# 4120893

FRONT

SPRING MAINTENANCE PACKAGE

1. OIL, LUBE & FILTER: Change the oil, install a new oil filter and lubricate the chassis2. BRAKES: check front & rear brake systems3. FRONT END: check shock absorbers, struts & steering components4. EXHAUST SYSTEM: visual inspection of catalytic converter, muffler, exhaust pipes, manifold & gaskets5. ELECTRIC SYSTEM: check battery, lights, horn & wipers6. TIRES: rotate all tires, check tread depth & adjust tire pressure7. COOLING SYSTEM: check for leaks, check hoses, clamps, water pump & radiator8. BELTS: check all belts & hoses9. FLUID LEVELS: check all fluid levels

1984 Springfield RoadKelowna

250-763-6666

all this for $3888*

*Plus Env. fees & taxes - with up to 5L of oil. Synthetic oil extra. Offer may not be combined with other coupons or promotions. Coupon must be presented for discount. Surcharge may apply. Coupon expires March 3, 2015.

ALL PROfessional CARPET & UPHOLSTERY CARE

250.762-3116

• Carpet cleaning and restoration• Furniture cleaning & restoration• Stain treatment • Odor control• Flood restoration

ALL PRO IS AN IICRC CERTIFIED MEMBER FIRM AND OUR TECHNICIANS ARE CERTIFIED IN…

PROfessionals!Call the

W2 www.kelownacapnews.com February 2015 Capital News W3 www.kelownacapnews.com February 2015 Savvy Shopper

Style is in full bloom!

firstchoice.com

© R

egis

Cor

pora

tion

201

3

$2OFFKCN01A

Adult Haircut Regular Price: $15.95

Kelowna590 Hwy 33 W.

(Willow Park Shopping Centre)

250-861-3996

Kelowna#4-538 Yates Rd.

(Corner of Glenmore Rd. and Yates Rd.)

250-763-2887

Kelowna#135-1835 Gordon Drive

(Capri Mall)250-763-6617

Westbank2330 Hwy 97 S.

(next to Wendy’sand Tim Horton’s)250-768-6869

$1OFFKCN01K

kidscut™ Regular Price: $11.95

Style is in full bloom!

firstchoice.com

© R

egis

Cor

pora

tion

201

3

$2OFFKCN01A

Adult Haircut Regular Price: $15.95

Kelowna590 Hwy 33 W.

(Willow Park Shopping Centre)

250-861-3996

Kelowna#4-538 Yates Rd.

(Corner of Glenmore Rd. and Yates Rd.)

250-763-2887

Kelowna#135-1835 Gordon Drive

(Capri Mall)250-763-6617

Westbank2330 Hwy 97 S.

(next to Wendy’sand Tim Horton’s)250-768-6869

$1OFFKCN01K

kidscut™ Regular Price: $11.95

Style is in full bloom!

firstchoice.com

© R

egis

Cor

pora

tion

201

3

$2OFFKCN01A

Adult Haircut Regular Price: $15.95

Kelowna590 Hwy 33 W.

(Willow Park Shopping Centre)

250-861-3996

Kelowna#4-538 Yates Rd.

(Corner of Glenmore Rd. and Yates Rd.)

250-763-2887

Kelowna#135-1835 Gordon Drive

(Capri Mall)250-763-6617

Westbank2330 Hwy 97 S.

(next to Wendy’sand Tim Horton’s)250-768-6869

$1OFFKCN01K

kidscut™ Regular Price: $11.95

Your ‘Best Value’ Hair Salonfirstchoice.com

Kelowna590 Hwy 33 W.

(Willow Park Shopping Centre)250-861-3996

Kelowna#4-538 Yates Rd.

(Corner of Glenmore Rd. & Yates Rd.)250-763-2887

Kelowna#135-1835 Gordon Drive

(Capri Mall)250-763-6617

West Kelowna2330 Hwy 97 S.

(next to Wendy’s & Tim Horton’s)250-768-6869

Not valid with any other offer.Valid only at participating salonsthrough April 30, 2015

Not valid with any other offer.Valid only at participating salonsthrough April 30, 2015

• Venetians • Verticals• Shades • Repairs

250-763-0623

CLEAN-ALL-BLINDS“For that New Blind

Look”

Unit 4 - 2670 Enterprise WayServing all areas including Peachland,

Westbank & Winfield

REMEMBER: SAME DAY SERVICE WITH FREE TAKE

DOWN & REHANG - NOMINAL CHARGE

1-10 Mini Blinds

only $999 ea.

16 Plus Mini Blinds

only $899 ea.

Pleated Shades

only $1099 ea.

Vertical

$129 per

vane

11-15 Mini Blinds

only $949 ea.

WinterSPECIALS

ALL PROfessional CARPET & UPHOLSTERY CARE

250.762-3116

Offering acomplete range of methods…1. Powerful truck mounted steam cleaning units used for most residential jobs;

2. Powerful compact portable steam units used for high-rise apartments, condos, and fine furniture;

3. Rotary action “Bonnet” cleaning & polishing machines used on commercial short-pile carpet applications and some residential situations.

Plus12

stairsfree!

$12995CLEANS 5 ROOMS

Plus12

stairsfree!

$17995CLEANS 7 ROOMSAND 1 HALL

Plus1 chair

free!

$11995CLEANS SOFA& LOVESEAT

Call for custom package prices and prices on optional extras like disinfectant or DuPont Stainmaster fibre protector.

W4 www.kelownacapnews.com February 2015 Capital News W5 www.kelownacapnews.com February 2015 Savvy Shopper

any oil change

or service

with this coupon

Offer expires February 28, 2012

778-484-5660 1675 Commerce Ave. Kelowna

A CHANGE FOR THE BETTER

www.prooilchange.comHwy 97 N

Enterprise Way

Hwy. 33 N

★ProOil

Mon.-Fri. 8am-7pmSat. 8am-4pm

Sun 10am-4pmNo AppointmentNecessary

$20OFF$20OFFExpires Feb 28, 2015

*NOT TO BE COMBINED WITH ANY OTHER OFFER. MUST PRESENT COUPON TO RECEIVE OFFER.

RADIATOR FLUSH

*

$10OFF$10OFFExpires Feb 28, 2015

*NOT TO BE COMBINED WITH ANY OTHER OFFER. MUST PRESENT COUPON TO RECEIVE OFFER.

VALVOLINE OIL CHANGE

12 MINUTE DRIVE THRU OIL CHANGE

*

To advertise in our next edition call 250-763-3212

AUTOMOTIVE Great Canadian Oil ............................6

Minit Tune & Brake ...........................2

Pennzoil 10 Minute Oil Change .......16

Pro Oil Change ..................................4

HOME A-1 Heating & Air Conditioning .........6

All Professional Carpet andUpholstery Care ............................2, 3

Border Plumbing, Heating & Air ....................................8

CJ’s Window Dressing ......................8

Clean All Blinds .................................3

Need Blinds ....................................16

Okanagan Heating & Air Conditioning Ltd. ......................9

HOME

Premium Cabinets ............................7

Premium Granite Works Inc. ..............5

Pro Steam Plus ...............................16

Stonewood Building Products .........11

The Blind Doctor .............................10

PERSONAL CARE

First Choice Haircutters .....................3

Great Clips ........................................6

Pharmasave......................................2

RESTAURANTS

Mon Thong Thai Food ........................8

AN ABUNDANT SELECTION OF REAL SAVINGS!

W4 www.kelownacapnews.com February 2015 Capital News W5 www.kelownacapnews.com February 2015 Savvy Shopper

1132 Stevens Rd., West Kelowna • 250.763.8303 premiumgraniteworks.com

GRANITE • QUARTZWe have over 100 colors in stock

SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30SAVE 30%%%

PREMIUM G� NITEWORKS INCGPW

SAVE 30SAVE 30SAVE 30%%%%%%FEBRUARY SALES EVENT

INSURED & LICENSED TRADES PEOPLE. ALL WORK GUARANTEED.

• PREMIUM GRANITE • PREMIUM SERVICE • PREMIUM QUALITY

ALL FOR LESS Than a

PREMIUM PRICE

BEST PRICED • BEST SERVICE • BEST QUALITY

VALUED AT $500We had 3 different quotes from 3 different granite companies for granite to be installed in our home. Premium Granite Works was the only company to offer the complete package. They redesigned our kitchen island and supplied the carpenter and the plumber. There was no extra charge for them to remove the old countertops and dispose of them. The installation was perfect and our granite is out of this world. We would refer Premium Granite Works to friends, family and neighbours. Thanks Bill. Ray and Bernice

We dropped in at Premium Granite Works to look at some granite for our home. Bill came over to the house and spent time with us and let us know what his company could do for us. We chose a color and got a great price. The installation went smoothly with no damage when the old countertops were taken out. The installers did a great job and cleaned up after they were � nished. We would recommend this company to anyone. Thank you Premium Granite Works.

Frankie and Nick

Your Choice

FREEINSTALLATION or

UNDERMOUNT SINKGranite, Quartz, 1¼” thick,

no imitations, no maintenance...just enjoy!

W6 www.kelownacapnews.com February 2015 Capital News W7 www.kelownacapnews.com February 2015 Savvy Shopper

250-448-8456

A/C Furnace Humidifiers Ductless Splits

2-991 Richter St. Kelowna

15 point Furnace Service $89.00

Get up to $1700.00 Rebate On York Heating System

The Premier Heating and Cooling Specialists Since 2001

. . . “� ere’s never been a better time to replace that old ine� cient furnace than right now!” . . .

Call Al today for pricing and rebate information

NOW BOOKING 15 pt. Furnace Service.... ONLY $89

Al EwbankOwner

2-991 Richter St., Kelowna250-448-8456

a-1heatingairconditioning.com

Haircuts at a verycomfortable price.

VERNON • Shops at Polson Park 2306 Hwy 6 (Across from Cooper’s Foods) 250-503-1229

KELOWNA • Orchard Plaza 1876 Cooper Rd. (Next to Save-On Foods) 250-763-1229

www.greatclips.com

Haircuts at a verycomfortable price.

VERNON • Shops at Polson Park 2306 Hwy 6 (Across from Cooper’s Foods) 250-503-1229

KELOWNA • Orchard Plaza 1876 Cooper Rd. (Next to Save-On Foods) 250-763-1229

www.greatclips.com

www.greatclips.com

Haircuts at a verycomfortable price.

VERNON • Shops at Polson Park 2306 Hwy 6 (Across from Cooper’s Foods) 250-503-1229

KELOWNA • Orchard Plaza 1876 Cooper Rd. (Next to Save-On Foods) 250-763-1229

www.greatclips.com

Haircuts at a verycomfortable price.

VERNON • Shops at Polson Park 2306 Hwy 6 (Across from Cooper’s Foods) 250-503-1229

KELOWNA • Orchard Plaza 1876 Cooper Rd. (Next to Save-On Foods) 250-763-1229

www.greatclips.com

Haircuts at a verycomfortable price.

VERNON • Shops at Polson Park 2306 Hwy 6 (Across from Cooper’s Foods) 250-503-1229

KELOWNA • Orchard Plaza 1876 Cooper Rd. (Next to Save-On Foods) 250-763-1229

www.greatclips.com

Child/Seniors Haircutoffer expires: March 1, 2015

Not valid with any other offers. Limit one per customer.

$11.99

Adult Haircutoffer expires: March 1, 2015

Not valid with any other offers. Limit one per customer.

$13.99KELOWNA • Orchard Plaza 1876 Cooper Rd. (Next to Save-On Foods)

250-763-1229KELOWNA • Glenmore

1972 Kane Rd. (Next to Cooper’s Foods) 250-860-8853

• Vernon Square 4400-32 St.

250-549-8843

VERNON • Shops at Polson Park2306 Hwy 6

(Across from Cooper’s Foods) 250-503-1229

KELOWNAHarvey & Richter

Hours: Mon-Fri. 8-8,Sat. 8-6, Sun. 9-5

WINFIELDHwy. 97 (Next to 7/11)

Hours: Mon-Fri. 8-6, Sat. 8-5

WEST KELOWNAHwy 97 & Daimler

Hours: Mon-Fri. 8-6,Sat. 8-6, Sun. 9-5

WITH COUPON ONLY COUPON EXPIRES MARCH 3, 2015NOT VALID ON IN STORE SPECIALSWITH COUPON ONLY COUPON EXPIRES MARCH 3, 2015WITH COUPON ONLY COUPON EXPIRES MARCH 3, 2015WITH COUPON ONLY COUPON EXPIRES MARCH 3, 2015

Car Wash at a Great Discount

with every oil change“Kelowna and

West Kelowna Only”

RADIATOR ORTRANSMISSION FLUSH

$1000OFF

OFF

ANY OILCHANGE PACKAGE

$1000OFF

Full Tire Sales and Service“This Location Only”

W6 www.kelownacapnews.com February 2015 Capital News W7 www.kelownacapnews.com February 2015 Savvy Shopper

250-859-1688 • [email protected] Stevens Rd., West Kelowna

250-859-1688 • [email protected] Stevens Rd., West Kelowna

PremiumCabinets.ca

Specializing in Cabinet Refacing

Premium QualityPremium Service

ALL FOR LESS THAN A PREMIUM PRICE!

Your Choice of:• 30 door styles• 22 door colors• 10 handle colors

and styles

Fall SaleSave 30%HOW WE

DO IT1. Remove all existing doors,

drawer fronts and hinges.

2. Prepare cabinet surfaces for matching coverings.

3. Apply matching coverings to all visible exteriors of the cabinets, in either laminate, vinyl or matching veneer.

4. Install new doors, drawer fronts, hinges and handles.

3 YEAR WARRANTY*Licensed and Insured*

3 YEAR WARRANTY* Licensed and Insured *

• 42 door styles • 36 door colors

• 10 handle colors & styles

DON’T REPLACE

REFACE!

✔ New door faces✔ New trim color✔ New drawer faces✔ New side gables✔ New door hinges✔ New door handles✔ Crown Moulding

Make your old kitchen like new for less than

1/2 PRICEPremium Service • Premium Quality • Premium InstallationALL FOR LESS THEN A PREMIUM PRICE!

FREEYOUR CHOICE: Installation or Complete Hardware Package

$1000 VALUE!

20%OFF

W8 www.kelownacapnews.com February 2015 Capital News W9 www.kelownacapnews.com February 2015 Savvy Shopper

REJUVENATE YOUR FURNACE• Clean and adjust burners • Check motor for reduced wear• Inspect heat exchanger for cracks, holes & separations • Measure manifold pressure• Vacuum & brush heat exchanger • Test for gas & carbon monoxide leaks• Clean furnace filter • Verify thermostat calibration• Inspect blower, belts & bearings • Tighten all wire connections for safety• Inspect thermocouple or ignitor • Lubricate all moving parts if necessary• Test fan and furnace limits for safety • Polish/wash furnace exterior• Test gas valve • Measure temperature differential

PRECISION TUNE-UP BY CERTIFIED TECHNICIANS

www.borderplumbing.com250-861-6432®TM Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc.

and Border Mechanical Services Ltd.

OUR GUARANTEES1. NO BREAKDOWNS GUARANTEEDIf you experience a breakdown this winter AFTER our service, we will credit you the

$119 toward our repair.2. YOUR HOME STAYS CLEAN GUARANTEED

When we service your furnace, we’ll leave your home as clean as when we got there or the

tune-up is FREE!

$60 OFF(Regularly $179, NOW $119)

Plus GST Expires March 3, 2015

WINDOW DRESSINGS & ACCENTS250-764-9883 • fax 250-764-9895 • www.cjswindowdressings.com

HUGE SELECTION OF…• 1” & 2” Riviera Venetian Blinds• Cellular Shades • Verticals• Shutters • Rollers/Sunscreens• 2”, 2.5” & 3” Woods • Pleated Shades

Make every room your favourite!

UP TO

70% offsuggested retail priceOffer expires March 3, 2015

ANNIV

ERSAY

SPECIAL

Eat in only!

Downtown at 1573 ELLIS250-868-8009

HOURS DAILY:11:00 am-2:30 pm

4:00-9:30 pm

Take-Out & Delivery available

DOWNTOWN ON ELLISLOCATION ONLY

FREE PARKINGWEEKDAYSAFTER 6 PM &WEEKENDS

ANNIV

ERSAY

Redeemable at the Orchard Plaza Location: $9.00

ExpiresMar. 3, 2015

THAI FOOD RESTAURANTS

www.monthong.ca

One Discount per table. Offers valid only with coupon. This offer cannot be combined with any other offer.

Discount not valid on purchase of beverage, alcohol, tax & gratuity.Not valid with Lunch Special Menu.

after 4 pm

OFF$1000 With Your Purchase of $30 or More

Present coupon when ordering

W8 www.kelownacapnews.com February 2015 Capital News W9 www.kelownacapnews.com February 2015 Savvy Shopper

okanaganheatingandairconditioning.com

25

0-7

65

-38

10

Family

Owned

& Operated

Authorized Dealer for

Like Us On Facebook &

WIN!

OkANAgAN HeAtINg & AIr CONDItIONINg

LtD.

OnlyOnly

Expires January 6, 2015

Expires January 6, 2015

We Appreciate Your Business

DUCT CLEANING

oNLyUp to 15 Vents $199 95+ tax

FURNACE SERVICE oNLy20 Point Tune-Up &

Cleaning on Furnace

Expires M

arch 3, 2015

Expires M

arch 3, 2015

FIREPLACEoNLyTune Up

& Cleaning

Expires M

arch 3, 2015

$89+ tax

$89+ tax

SERVICE SPECIAL

• 20 Point Tune-Up &

Cleaning on Furnace

• Tune-Up & Cleaning of fireplace

FUR

NA

CE

&FIR

EP

LAC

E S

PE

CIA

L

$ S

AV

E o

N P

AC

kA

GE

PR

ICIN

G $

SAVe $60R

eg.

$219

$169+ tax

FU

RN

AC

E S

ER

VIC

E• 20 Point Tune-Up

& Cleaning

DU

CT

CL

EA

NIN

GPA

Ck

AG

EUp to 15 Vents

Reg

. $339

95SAVe $90Over

$26995+ tax

Expires M

arch 3, 2015E

xpires March 3, 2015

W10 www.kelownacapnews.com February 2015 Capital News W11 www.kelownacapnews.com February 2015 Savvy Shopper

Have we

missedyou?

If you’d like to be in our next Savvy Shopper call the Advertising Department at the Capital News

250.763.3212Next publication is March 4/15.

Deadline February 17/15.

Capital news

ULTRASONIC BLIND CLEANINGWINTERSAVINGS!10%*

The Blind Doctor

250-317-5561Now Selling Quality Blinds at Discount Prices www.blinddoctorkelowna.com

OFF *Minimum charge applies

CLEANING

Free Estimates • Same Day Service • Free Take Down & Re-Hang

RESIDENTIAL & COMMERCIAL Cleaning • Repairs • Blind Sales

All Types of Blinds Venetians • Verticals • Pleated Shades

Expires February 28, 2015

W10 www.kelownacapnews.com February 2015 Capital News W11 www.kelownacapnews.com February 2015 Savvy Shopper

FEATURING

FebruaryHOME SHOW SPECIAL

www.stonewoodbp.com

SAVE $50 PER WINDOWOn a full or partial window replacement

Some Home Energy Rebates also available.

EASY LOW RATE FINANCING AVAILABLE INTEREST FREE FOR 3 MONTHS

(with possibly extra $ available for a trip, electronics etc) oac

FebruaryFebruary

Call for your FREE

quote on window replacements done

by a certi� ed Energy Star renovation specialist

WINDOW AND DOOR REPLACEMENT SPECIAL

[email protected]

1130 Stevens Road, West Kelowna(same building as Premium Granite)

WE ALSO DO DOORS, FLOORING AND STONE

W12 www.kelownacapnews.com February 2015 Capital News W13 www.kelownacapnews.com February 2015 Savvy Shopper

Check out www.kelownacapnews.comfor our newe-Editions!

Our entirecoupon bookis available on-line

It’s simple to access.

LOG ONTO OUR SITE AT www.kelownacapnews.com

CLICK FOR eEDITIONS

CHOOSE THEEDITION BY

DATE

CLICK PAGE VIEW TO

SEE ENTIRE ISSUE PAGE

BY PAGE

1.

3.

CHOOSE FROM MANY OPTIONS TO MAKE FOR EASIER BROWSING THROUGH THE ISSUE

www.kelownacapnews.com

Savvy Shopper Shopper Shopper

January 2015

KELOWNA, WEST KELOWNA, LAKE COUNTRY & PEACHLANDCapital news

Health & Wellness

Over $2000 in Savings Inside

Simplyclick on thepages to � ip

through page by page

2.

W12 www.kelownacapnews.com February 2015 Capital News W13 www.kelownacapnews.com February 2015 Savvy Shopper

You can open and contribute to a registered retirement savings plan as soon as you have income to declare. An RRSP is the modern day piggy bank, a financial tool that allows you to accumulate savings at the same time as you reduce your taxable income.

The expression “time is money” takes on its full meaning where RRSPs are con-cerned. The sooner you contribute, the more money you’ll have when you retire. Many people mistakenly believe that it’s better to reduce their debt before starting to save. However, a much better strategy is to balance debt repayment and savings. This means that even if you are carrying a lot of debt, it is still a good idea to begin saving as soon as you start a full-time job.

Not all 25-year-olds are thinking about their retirement, but once they realize that the money they put into an RRSP is tax exempt until they make a withdrawal, and that it can even yield a profit thanks to compound interest, then a long-term plan may not seem so irrelevant.

What’s more, if you decide you’d like to own your own house, you can use your RRSP savings as a down payment on a first home. This program, called Home Buyers’ Plan (HBP), is very popular — since 1992, more than two million Canadians have become homeowners using the money they had saved in a registered retire-ment savings plan.

When you make an annual contribution to an RRSP, you are building a better future for yourself. So, be sure not to waste any more time!

RRSPs: start early, save lots!

W14 www.kelownacapnews.com February 2015 Capital News W15 www.kelownacapnews.com February 2015 Savvy Shopper

Proud to sponsor and supportthe organizations that enrich the community we live in

and improve the lives of many.

Drive-thrubreakfast

Kelowna Community

Food Bank

A

communitypartner

A

communityproud

of the Central and South Okanagan / Similkameen

of the Central and South Okanagan / Similkameen

Capital news

CAPITAL news

W14 www.kelownacapnews.com February 2015 Capital News W15 www.kelownacapnews.com February 2015 Savvy Shopper

Financial planners are a little like family doctors. They can be generalists or specialists, and the best ones help you keep your affairs nice-ly in balance so that you can live a long, enjoyable life.

First of all, a financial plan-ner will sound out a client just like a doctor does with a patient. Your financial situation will be assessed, and then the diagnosis and treat-ment will follow. A planner will ask you what you want to look like in ten years, in terms of investment risk: round, thin, all in proportion?

Once you have discussed the level of financial independence you are aiming for, along with your retirement objectives and your children’s education plans, a financial planner will note and highlight any obstacles. These might include an insufficient projected income, indebtedness, and unsuitable income tax bracket. Then, he or she will propose some exercises — rigorous or gentle, depending on your constitution — that will help you attain the state of finan-cial health you want.

Legitimate professional financial planners have a college diploma or universi-ty degree, along with specialized training. Ask which professional associations they belong to. Be sure to check that their advice is given independently; that means find out who pays them. It is recommended that you meet at least once a year with your financial planner, so that they can put a human face to your file and so that you can continue to be assured that he or she is a trustworthy professional.

A financial planner is like a financial doctor who can recommend a plan for your

long-term good health and well-being.

Financial planner = financial doctor

W16 www.kelownacapnews.com February 2015 Capital News WPB www.kelownacapnews.com February 2015 Savvy Shopper

250-868-1155 Mon-Fri 8-7 pm, Sat 8:30-6 pm, Sun 9-5 pm

www.penn10kelowna.com

$10 OFFCOMPETITOR’S COUPONS WELCOME!Expires March 3, 2015

Expires March 3, 2015ANY OIL CHANGE

PREMIUM OIL CHANGE

Not to be combined with any other offer or coupon

FREE ENGINE FLUSHWITH ANY

OIL CHANGE(not to be combined with any other o� er or coupon)

$10 OFFRADIATOR OR

TRANSMISSION SERVICE

($20 value)Expires March 3, 2015

An Outstanding Service Record With Over 25 Years Experience!

We don’t cut corners, we clean them!

Monday thru Saturday appointments. GST and optional treatments extra (ie Scotchgard & disinfectants) (some restrictions may apply)

KELOWNA 765-9362 VERNON 558-1544 PENTICTON 490-3544 CASH CHEQUE

Carpet Cleaning2 Rooms & 1 HallPlus 6 Stairs FREE

Carpet Cleaning5 Rooms & 1 Hall

12 Stairs FREE

Plus 1 Chair FREE

Furniture CleaningSofa & Loveseat

Carpet &Furniture Cleaning

5 Rooms & 1 Hall

SAVE $36

$69 SAVE $62

$139

SAVE $35(most fabric)

(pillows extra)$119 SAVE $43

(most fabric)(pillows extra)

$179

10% OFF

EXPIRES March 3, 2015

• We use state-of-the-art van mounted cleaning units

• We will pre-treat all spots and stains prior to cleaning

• We will remove most furniture, clean under it and place it back

• We only use environmentally safe cleaning products

Ask us about our state of the

art tile cleaning systemPlus 1 Sofa

Area Rug

Cleaning

Coupon Code CNCB-01

(250)860-9488T h e B l i n d s U Wa n t a t t h e P r i c e U Wa n t !

50 -70%ask about

OFF

Best Price Guarantee!