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Page 8, WhItby Free Press, Wednesday, February 16, 1994 More charges laid against foe edr By Mike Kowalsld Whitby has cracked down on roadaide flower von dors once ainfor Towýn clerk Don McICay or med council Monday night that charges of sellIng flowers without a licence had been laid against two people earier that day, Valentines Day. McKay>s announcement of the charges came exactly one week after the last of eight charges laid during Mother's Day week- end last year, were disposed of in provincial offences court. Two people were found guilty and fined $500 each, while a thîrd was found guilty and fined $250. The. three were among eight people who sold flowers without a licence on stroot corners or other locations in town last May. Three of those charged pleacled guilty on an earlier occasion and were fined $100 each. Charges agaist the other two wore with- dawn on technical grounds. As a resubt of the convictions, McKa~y teld council that the. Town si solicitor was reviewing the. bylaw for purposes of making it even tougiier. Councillor John Dolstra welco- Coalition holds contract talks med McKay's announcement. "Most of the people charged were from outside t he area ... Toronto, Misssauga,» said Dolotra. "I hope we can continue and start te p ut out the message that we don't want people out there selling without a licence," h. said. Oneof those chargediat year was no stranger to Whxtby, however. Local florist Bill Brant was also nabbed in the crackdown but had bis charges withdrawn by the munlcipality. After yars of complaining te Town ofciais- about unlicensed street vendors selling flowers at wiL, Brant o pted te do the. sanie. Hie was charged with selling flowers froni a Dundas Street corner, only a short distance from bis Byron Street South shop. But since -Brant paid business taxes totth. muniicipality an exemption in the Municipal Act did not reqie hum te purchase the. special «hawkers' and ped- diers"' licence. The Durham Public Services Coalition will hold a 'Town Hall' meeting on Tuesday, March 8 to discuss the. social contract. There will be 'presentations from people affectedf by the. social Outperformance is the best way to maxirnize your savings, stay well ahead of inflation and build real wealth over the ion g-term. Get thew numbers you need to get your investments ÀTRIMARK ouîperforrning. MUTUAL FUNDS TO U MLýNON.I contract. The meeting wibl b. at General Sikorski Hall, Stevenson Road North, Oshawa, starting at 7 p.m Guest speaker at the. meeting will include Liz Barkley of the 1 YEAR 3 YEARS 43% q 2101%q 1 YEAR 3 YEARS For more Information oeil: 579-m7777 "! Financial Ontario Secondary School Tea- chers Federation, Claire Ross from the Ontario Elementary Catholic Teachers Akssociatin, Barli Sargeant of the Federation of Women Teachers Association of Ontario, Gene Lewis of the Ontario Public Sciiocl Teachers Federation, Syd Ryan of the Canadian Union of Public Employees and Fred Upshaw of the. Ontario Public Service Employees Union. Those associations and other labour organizations make up the Durham coalition. For more information caîl Jim Woodward (CUPE) at 416-299- 9730 or Shirley Smith (OSSTF) at 668-7100. CIIBC o0end their newest branch in Wib last month. The. new branch incorporates the. latest concepts in design and customer service. Located at Rowland Road and Gardon Street, the. branch is different froni the traditional bank design, says branch manager Janet Loan. It provides private offices that allow customers to discuas al their financial needs in a confidential manner. "Our locus is on building lonItermfinancial reatonship: can ensur that w. provide them with producte and services that are appropriate. to their needs," Loan says. The. branch layout wil help us do that." TD and CIBO have also opened branches at the. Rossland-Garden plaza. Your Financial Health Derek Dutka Should you borrow to buy an RRSP? if yfu do flot have the funds on hand to mako an RRSP contrlbVtion, borrowing almost always ave you =mnoy. o ut borrowir into contert, consider tho fect $famiso 2, 00) contribution. A4t mgo 25, the. missed RRSP contribution could resuit in *,449 less in your RRSP at ago 65, based on an 8 per cent average annual compound rate of return. On the other hand, borrowing $2,000 and repaying it within a year could yield a sinficant benofit. A *ý 2,000 RRSP will yield a tax rebat. of $540 (lowest tax rate) up to $996 (highest tai rate). The.coSt of borrowing at 6 per cent per annuni would b. $120 (assumi'ng you psy intereut only and the rate is locked in a 6 per cent for the. year). If you have invested well, your RRSP could grow by 8 per cent ($160 tai sheltered) before you pay off the boan. To avoid unnecessary interest charges, inake sure you have an Copen' loan. This alow" you to pay. down the. ban faster by applying your tax refund to the. joan ixnmediMt4-1.Mn institutions offer RRSP' bans at prime rates, but foce you to invest the money with theni. Bank Of Montreal offers RRSP boans that can b.e used to purchase RRSPa through financial planners, which allows you a much greater choice of investnient vehicles. Other institutions may also offer similar arrangements. It's much botter to inveet monthly, right into your ERSP (se. Feb. 9 column) but if you haven't the cash and can pay off the RRSP loan witlin one year, it may b. well worth your while to borrow for this years RRSP contribution. Alwaysg et professional advice before borrowing money. Cal a financial planner today to find out wbat's bout i your situation. Derek Dutka 188afinanclal consultant in the FWitby/ Osha wa amo. S YEARS 10 VEARS 119ù% 136% ". 5 YEARS 10 YEARS Alrtunu, audited by Emst & Yom&. Chartered Accountant. am ie aoical anmual compaunded total rates of(rctumn ud rofiet cbangea in unit valu'e nid distributiom sreznweatd. Thcy do mot take in accourit sales charges or adzninîstutivefcs p yble by unit luoldenwWhih would have m&ed md euma. Paat pertcmnazceda tw guarantre future maulta. Your unit value and investirnt mtumz wil fluctuate. Imnportant information about sny mutual (i la coetind iniitss airiiedpwospectua.Read yoeu spectua cazefully befoee investing. Yeu can obtain am &ufrorniMarkMtui Funà oor oe, the F c CooPt croup. OFînancial Concpt Corpoaton inas licenwd Mutual Fun deualer. F.C.G. Secuitis CoepomatiS à a l1exm Semuetia dealer. DERE DUKA 00 Hpkis Sree, Whtby666122 ANNETTE COWAN of M&M Meats donned her red nose and even tried her hand at *ugfin duriNQ the meent 'Red Nose Day.' Employees at the127 franchised M&M shops from Winnipeg to C harlottetown wore the noses Feb. 7 to help chase away the winter blues. Photo by Mark Reosor, Whthy Fre Press F SCRATCH & SNIFF rNo Odour? That's what you gt wRh AlRx odour1 eradicators. AIRx products contain Airicide, a unique component which physically alters odorous molecules, so that your nos. doesn't register unpleasant fragrances. AIRx products were specifically designed for commercial use, where continuous foui odours are a real problem - chronic care wards in hospitals, nursing home applications, the back of garbage trucks, kennels, etc. AIRx products are NOW AVAILABLE FOR HOME USE. For musty basements, garbage rooms or drains that smell,'try AIRx 60 Foui Odour Eliminator. To eliminate pet odours in carpeting, add AIRx 60 to your solution when cleaning the carpet. For continuous odours from an incontinent shut-in, pets or cooking, try AliRx 19 super strength microceil. Whatever your odour problem, w. have the solution. Corne down to the Swish Clean-It Centre and let our trained friendty staff help you with your odour control problem. J" ÀA OUTPERFOM Fund performance to January 31, 1994 37o6% 27.6% 17.8% 10 16.4%lto L=50PO Hopkins Street, Whitby 666-1224 1 -t-IZINIAIZK IÏ t-JNI-> 1 DEREK DUTKA