Winnipeg Free Press

Winnipeg Free Press (Newspaper) - May 21, 1989, Winnipeg, Manitoba 16winnipeg free May of free press Steven Rosenberg Kelly Armstrong and John Stockwell we can make changes on the wired into plugging budget leaks by Paul Samyn Johannes Gutenberg would be Gutenberg wont find any of the moveable Type Hes remembered for in Lazer fare Media service sixth floor of fice overlooking Portage but after seeing the bang up Job Kelly Armstrong and company could do on his Why worry about something invented Back in the 15th what matters is that the printing revolution he began is alive and Well and its future is computerized desktop its also the future that the provincial government is staking the Security of its june 5 budget for the last month or Lazer fare has had its use Friendly computers Busy putting together the budget documents in the finance departments i will be the source of the armstrongs partner Steven to if it they will kill jokes Security is greatly enhanced As everything from Type setting to Page layout is done on the computers screen right in the ministers not at some out Side firm where Many eyes would have Access to the spending and because of the systems flexibility and things dont have to be finalized until the very night before the budget we can make changes on the Rosenberg armstrongs first glimpse at this quantum leap Forward in printing technology came in shortly after Apple computers introduced the be Sefc Remmers business things happen we could see that this was the future of printing and a cant miss says As he unwraps the plastic from a package of Winston its probably the Only time in my life that i saw an Opportunity that we thought we should get in so in july of that Arm who was then managing editor of the Winnipeg his wife Sally and a third partner who has since left the firm and has been replaced by John were among the first to catch this figuring How to ride its Well that was another big risk says things initially were happening so fast with the introduction of new software packages and updated systems that All they could do was strap on a pair of running shoes and run with id like to say that we sat Down and planned five years in but were Lucky if we planned five minutes in our Only plan was to get it if that seems like a big you wont get any argument from Arm but after being involved in launching a weekly Magazine for the Winnipeg Tribune and then giving life to the Winnipeg Sun with Little More than a few to risk was nothing we had Learned a lot about How to Start something Armstrong by it had been about six years of starting things up and what that amounted to was that we we rent afraid of starting some thing Hes even philosophical about whats the worse that could happen he if it Doest work youll have to go out and look for a new and then theres the thrill fac you also find out that its a lot of fun starting something its almost Lazer fare was entirely different from his other projects in one important this time they would be spending their own and for the first they were faced with tightening the Belt a lot and Brown bagging but while it was impossible to know where the business was they knew exactly where they had been and could apply that experience to their As Armstrong likes to he was a publishing professional Long before he Ever Laid eyes on a macintosh the Mac is a that All it he says of the common sense approach they take to its not an end All and be and that mix of publishing knowledge and computer smarts is what separates Lazer fare from the others and allowed them to weather storms that threatened to rain on their at they had planned to Sim ply do pamphlets and the but they quickly found that after an initial traditional printing firms were switching and eating into their so they reacted and got into the consulting and training end of we knew that we got in earlier than anyone else and that we knew More than anyone and their expertise was welcomed with open arms by Rural newspapers who were Only too glad to embrace desktop publishing which was about 10 times cheaper than the old leaning on for advice Lazer fare has been instrumental in about 60 weekly newspapers Between Northwestern Ontario and British Columbia switching to and lately there the ones that the Calgary re Gina Saskatoon Sta Phoenix and the Montreal daily news have been leaning on for advice As they spend big Bucks to bring desktop on its our background that makes us there Are a lot of people who can use a but most of them we Armstrong says they Are averaging about in business a which he says aint bad for a Small but hed like to get that up to about the half million and Well he might get restless again and Start looking to feed that risk addiction of Call it a character residential mortgage rates As of May Able mortgage finders Assiniboine credit Astra savings credit Bank of Bank of Nova Bison mortgage Caisse Populaire cambrian credit Canada Trust carpathia credit Central Cibic mortgage cooperative Trust Coronet counsel Alchris mortgage firs line mortgage Hans credit holy spirit credit byline credit Inland investors Laurentian Bank of London life insurance Mary Allison Mage services Montreal Trust mortgage National Bank of National North West North credit Union peace Hills Trust Presnor Trust of Progress Vera credit Union Royal Bank of Royal Sigmar mortgage Sun life Assurance the Mutual Toronto Dominion total mortgage Louico mpg Al Fri Flato Board Winnipeg free everyone should plan for death Ottawa up no one likes to be reminded of but everyone both Rich and poor should plan for it to save hassles for those left say two estate it is for says David of Otta abased estate plan ners David Burns and anyone who has a mortgage and kids and ongoing responsibilities has to make sure that if something Hap everything is estate planning can Cost As Little As 200 for a simple most people want to ensure that Treyve got the right pension survivor benefits for their make sure Treyve got a Little life insurance around to look after whatever responsibilities they have and they want to make sure their assets which in most cases turn out to be personal effects and real estate get passed on to whom they Burns Karen Hoffman is a lawyer and estate planner with Royal Trust in the first thing most people worry about is property real estate or financial assets such As Bank a registered retirement Sav Ings plans or insurance married people can designate each other As beneficiaries in jointly owned assets such As a Home or a Bank this can save time and tax dollars when one spouse since these assets Are Transfer red automatically to the its fairly simple if it is a Hus Bandan wife but if youre getting into income proper tax you want to be very careful to make sure youve got some Legal advice and tax Hoffman the will is the key if you dont have a will and you dont set out what your wishes who your executor is to be and so it is More difficult to distribute and take care of your in the absence of a the Law sets out minimum rules for Distri buting your this is timely and May leave survivors with financial problems until the estate is Hoffman by naming a such As a for assets like the family Bank accounts and people can avoid the process of probate is where the assets of someone who Dies Are Frozen until the courts Rule on the legitimacy of the the process can take sever Al if beneficiaries Arent for assets such As an resp fund have to be turned into a Cash equivalent and the Money goes to the estate where the tax collector can take a if youve got in an resp and your estate is beneficiary and you drop your spouse will end up paying 50 per cent tax on it and she will end up with Only after tax said if she was named she can have the funds transferred to an resp in her name and avoid the lawyers playing games with fax theres no Deal with a lawyer and you enter into a Field strewn with mines of the complaints Are they dont answer my phone they charge too there Are too Many the litigation has dragged on for the clients frustration is but How Many clients Are aware of the frustrations their lawyers have to Cope with frustrations that con tribute to the mine Fields the Law yers clients complain and How Many of these same clients Are aware that their own lawyers frustrations Are in Many instances created by the games Law yers play with other lawyers in order to gain an advantage for their own playing within the rules in order to gain an Edge is nothing new in the world of layering or any other world for that but what is new is the twist Given to lawyers games by the Advent of a powerful office machine the fax there you can trans Mit a copy of a document Over the Telephone line from one office to another one lawyers office to another practically instantaneous it reduces courier it reduces postal one of the big ticket items in a lawyers office is serving Docu ments on the lawyer representing the other normally the lawyer will use a process the pro Cess server is authorized to serve the document on the other Side and the main purpose of the server is to have proof of theres a record on Black and i served this document on the other or on the and the lawyers receptionist signed that she received just like Superman in this Day and age of the fax it just Doest make sense to pay for a process the fax machine does in instantaneously woo Soosh just like in Superman and Many of the machines now provide proof that there was a Complete and successful transmit the More expensive models Issue the sender a receipt describing the destination and Success of a but lawyers have a the courts Haven yet kept up with this new their rules dont state whether its legitimate to serve documents on the other Side or their lawyers by so sometimes the lawyers have had to ask the court whether service by fax is and some lawyers shy away from ser vice by fax some lawyers get around the problem by getting the other Law yers agreement to be served by and this will work providing the other lawyer Doest play theres the Story of an Ontario lawyer who had a deadline to meet for the service of a document under the divorce try As he he just get a process server to serve it on the other so he called the other explained his predicament and asked whether the other lawyer would agree to accept service by absolutely no replied the other ill be delighted the moment the other lawyer Hung up the he immediately walked Over and turned off his fax machine the lawyer faced with the dead line tried and tried to Send the document without suddenly it hit him that the other lawyer was playing so the lawyer with the deadline was forced to drive 90 minutes to personally serve the document on the other lawyer another Way to thwart service is not to put any paper into the fax sometimes terrible stress is suffered by the lawyer not because of frustration caused by the games other lawyers play when using the but because of the lawyers own inexperience and that of his staff in operating the a lawyer missed a deadline in filing an Appeal because of ineptitude in using the it was Only a kindly court of using its Powers to extend the Appeal dead that helped him out of his fax woes and enabled him to keep his and keep his client business in Law Claire Bernstein the client was a dutch company located in it had been involved in litigation in the on the judgment came the client had on 25 the lawyer asked his Secre please fax the judgment to the Guys in we have one month till 21 to launch an a weve got to get instructions from our client whether they want to Appeal the the Secretary went to fax Sev eral it it wont it wont the lawyer its now too late for them to get it in try the lawyer went out of town until when he came he found out to his horror that the Secretary haunt figured out How to solve the the client still didst have the without the no instructions from the the lawyer got on the he left a message because the client was when the client the lawyer was on he finally figured out Why the fax didst work to get the judgment to they had All been using a Zero when they dialled the european that was you Only dial Zero when you Call from the not when calling an attempt to Send the document on 21 was still on 22 finally made the client received the judgment and on the same Day sent Back instructions to Appeal past deadline the lawyer served the it was past the and the other lawyer refused to extend the dead the court of Appeal chief Justice agreed to an sure the lawyer could have been More he said in reply to the objections of the other but the Appeal has there was always a Bona fide intention to a there was a reasonable excuse for the failure to meet the and there were exceptional Circum stances to justify extending the it is just a matter of time before the rules Are changed by the courts and service by fax will be lawyers wont be Able to use fax games to frustrate other lawyers with the same and lawyers will eventually learn to master the fax but one thing will never clients will always suffer fru Stra and lawyers will always suffer frustration trying to service their clients Well and agents collect mortgage fee Vancouver up a number of financial institutions in Canada say they pay real estate agents for referring mortgage a practice that is considered illegal in the United the payments Are needed to com Pete with organizations like the Tri Lon which controls Royal Lepage and Royal said Michael assistant general Man Ager of mortgages for the Toronto Dominion Royal Lepage agents automatically funnel business through Royal Trust but we dont have that Lux said we wanted to increase our mortgage base and this is How we decided to do about three years the Toron to Dominion Bank arranged to pay real estate agents at several firms fees ranging from per cent to per cent of the mortgages a real estate agent is paid to when his or her client goes to the Bank and takes out a Lois a spokesman for the National association of realtors in said payments for simple referrals Are illegal in the United Caltoft details special Bonus rates May apply to seniors cant beat special rates available on Large deposits you get most up Odate listings in to along with Quick reference prime time every Otott temp a Juliu 1mb i sect to cow twi car oui wit 24 hour rate hotline 942info 9424636 close my 20 4 vat my us Muur my 22 Winnipeg 491 Portage Intersex toll free 18003921388 Brandon Rice financial j 9570550 win a giant bund Panda one Lucky Winner every month until september come in and we our expanded Ollices and Lillou an entry form or this special ;