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> Pay No G.S.T From Thursday, December 5th until Friday, December 20th, we will pay the Goods and Services Tax on all new and renewal one year subscriptions to The Canadian Statesman. PLUS...We'll give you one extra month for FREE! Christmas Toy Drive Bring us a Toy and we will give you or a friend a 3 month subscription FREE! Hot Mulled Cider and Christmas Cookies Please stop by our office n Family Night, Dec. 5th for The Best Hot Mulled Cider and Tasty Christmas Treats In Bowmanville Free Classified Ads Simply stop by our office on Family Night to say "Merry Christmas" and you will receive a voucher for a Free Classified Ad. (Some Restrictions Apply) 62 King St. W. Bowmanville 623-3303 Your Community Newspar Clubs and Organizations Section Two The Canadian Statesman, Bowmanville, Wednesday, December 4,1991 5 More Than 120 Take Part in Brotherhood Night Never a Dull Moment For Rotary's Speaker by Lorraine Manfredo Rotarian Don Hutton told his club colleagues at a meeting meeting last Thursday that he has never had a dull day during his professional career as an insurance insurance broker. "I know life insurance to some may seem dull," Mr. Hutton said in a speech to the Rotarians. "But I have found it interesting over the years, mainly because of the great changes that have occurred and the people I have met." Like all new members • to the Rotary club, Mr. Hutton was required to deliver a "classification "classification talk" to fellow members members within the first years of joining. The speech serves as a means of introducing each Rotary Rotary member and their professions professions to the entire club. Don Hutton is a Bowmanville Bowmanville insurance broker with his own company located on King St. His area of expertise includes includes life, health and group insurance. Mr. Hutton claims his enthusiasm enthusiasm within the life insurance insurance business hasn't diminished diminished since his first days working as a salesman along side his father at Canadian Life Assurance in 1983. "A little to my father's astonishment, I'm still working at the business." Of course, now Mr. Hutton has his own company. Because life insurance is a constantly-changing business, Mr. Hutton said, those in the industry need to keep their information information current. Mr. Hutton has undertaken correspondence courses as well as classroom instruction on estate estate planning and underwriting methods. Over the last decade, "the cost of insurance has decreased by 20%," according to Mr. Hutton. He illustrated the significance significance of the decrease by Van Belle (Floral Shoppes ...much more than a flower store! 14 STORES .«ghwyNoiZ *A -KlngStW., |( Othiw» •SlmcotSUi, •■9 (Mima •100Dunda»9LW., 3R5t Whitby TndmnwU ot Vm Oidmi Ltd. comparing it to four-fold increases increases in other service industry industry costs over the same time span. The guest speaker noted that the traditional definition of life insurance as "a means of providing cash to the beneficiary beneficiary in the time of need" is by no means complete. He says today's clients arc seeking out the services of insurance bro- •kers for much more. Referring to a report from the accounting firm of Dcloittc & Touche, he pointed out that a growing number of people arc interested in purchasing life insurance as a vehicle to enhance enhance retirement packages, general investments, and tax shelters. Proper life insurance packages packages can be useful in avoiding the capital gains taxes which result from rapidly-escalating property values, Mr. Hutton stated. Such packages can be of particular benefit where properties are being sold after two or three generations in the same family. "At some time or other there's a major tax bite that has to be paid," said Mr. Hutton, adding that life insurance can, in a way, bypass that cost. And, although Mr. Hutton predicts that "capital gains tax will eventually be eliminated", he is confident that it will be replaced by "some other sort of tax, because the government will always need more money than it has now." Insurance companies offer the same range of conventional investment methods as do banks, such as GIC's, RIF's and RRSP's. Mr. Hutton said that insurance companies have deposit security systems that effectively rival any in the banking institutions. He also said insurance companies can commonly boast a better credit rating than the banks. Mr. Hutton expects his industry industry will continue to adapt in a further effort to ensure its own slice of the investment market. featured guest at the November 21st Rotary Club meeting. Mr. Hutton is a local insurance broker and was delivering a speech to his Rotary colleagues on the subject of changes in the life insurance industry. Mr. Hutton lives in Hampton with his wife and two sons. Shaking Mr. Hutton's hand is Ken Hockin, president of the Bowmanville Rotary Club. TOWN OF NEWCASTLE BOARD AND COMMITTEE APPOINTMENTS THE COUNCIL OF THE CORPORATION OF THE TOWN OF NEWCASTLE WILL BE CONSIDERING CONSIDERING APPOINTMENTS TO VARIOUS BOARDS AND COMMITTEES. THE FOLLOWING FOLLOWING IS A LIST OF THE BOARDS AND COMMITTEES AND PERTINENT INFORMATION RELATIVE TO FORTHCOMING VACANCIES. COMMITTEE/ DESCRIPTION TERM FREQUENCY REMUNERATION BOARD OF MEETINGS Property Standards Committee Newcastle Community Services Advisory Board Livestock Valuers Fence Viewers Pound Keepers Game Commission To review matters relative to the prescribed standards for maintenance and occupancy of property within the Town of Newcastle. To assist the Department of Community Services by providing providing input on recreational facilities, programs and services. services. . To evaluate livestock damage damage caused by dogs and wolves. 5 positions 1 year term As required 3 year term First Wednes- Wards 1 & 2 -day evening 2 positions of each each month Ward 3 -1 position 2 positions As required 1 year term $28.26 per meeting $14.13 per inspection inspection $28.26 per meeting $14.13 per subcommittee subcommittee meeting $29.51 per evaluation To arbitrate and settle fence 4 positions As required $26.96 per' disputes. 1 year term viewing To provide a facility to house 4 positions As required None livestock until claimed by the 1 year term owner. To buy and release pheasants pheasants and sell hunting licences licences for designated areas. 6 positions 1 year term' As required . None Local To make recommendations Architectural on the preservation of struc- Conservation tures of historical signifi- Advisory cance. Committee 10 positions Third Tues- None Term of Council day evening of each month Clarke Museum Board Bowmanville Museum Board Committee of Adjustment To operate a museum in the 9 positions As required former Township of Clarke Term of on behalf of the Corporation Council of the Town of Newcastle. None To operate a museum in the 7 positions former Town of Bowmanville Term of on behalf of the Corporaton Council of the Town of Newcastle. To review minor variances in 6 positions conjunction with the provl- Term of slons of by-laws passed un- Council der the Planning Act In respect respect of the land, building or structure or the use thereof. As required None As required $28.26 per meeting $14.13 per inspection If you wish to be considered for appointment to one of the above Boards or Committees, application application forms for appointment are available at the Municipal Administrative Centre, Clerk's Department, 40 Temperance Street, Bowmanville, Ontario. If you are interested in serving on more than one Board or Committee, please list these in your order of priority. Completed application application forms must be received by the undersigned by 4:30 p,m„ Friday, December 6, 1991. Marie P. Knight, A.M.C.T. Deputy Clerk, Corporation of the Town of Newcastle 40 Temperance Street, Bowmanville, Ontario L1C3A6 Telephone: 623-3379 Eastern Star Hosts Friendship Night On November 26th Durham Chapter #181, Order Order of the Eastern Star hosted a very successful Friendship Night on November 26th. Guests were present from Oshawa, Whitby, Port Pciry, Stayncr and Toronto. All were warmly welcomed by the Worthy Worthy Matron, Mrs. Norma Lewis and the Worthy Patron, Mr. Elgin Elgin Grecnham. • The members of Durham Chapter decided that in lieu of an exchange of Christmas gifts, they would give a monetary monetary gift which would be used to purchase necessary incidental incidental items for needy patients in our hospital. This gift has been much appreciated in the past by both patients and staff. We were' very proud to learn that the O.E.S. throughout throughout the world had contributed over seven million dollars to charitable causes during the previous three years. This report report was obtained during the , General Grand Chapter Assembly Assembly which was held in St. Louis, Missouri. Over 500 Ontario Ontario members attended, among them several Durham Chapter members. One of our members, members, Mrs. Audrey Martin, was honoured by being invited to reply to the welcome to St. Louis at a special breakfast for the Most Worthy Grand Matron Matron and Most Worthy Grand Patron. After the closing of the meeting, the Officers of Whitby Whitby Chapter performed an intricate intricate drill and members of Blue Ray Chapter, Port Perry entertained entertained us with an amusing skit. Everyone then enjoyed refreshments refreshments and a social time. About 120 members of the town's fraternal organizations organizations took part in the annual Brotherhood Night which was held Tuesday, November 19. Representatives from the various lodges and fraternal groups in the town enjoyed enjoyed a meal and then heard an address by Reg Ward Jr., a past Grand Master, District 42, of the Independent Order Order of Oddfellows. Special music was provided by pianist pianist Evilyn Stinson and fiddle-players Norman Andrews, Ray Brissons and Brian Caswell. Shown in this photo are, from left: Roy Youngman, Master of Ceremonies for the evening, Brian Caswell, of the Independent Order of Oddfellows; Don Wilson, of the Orange Lodge; Reg Ward Jr., the guest speaker; Mayor-elect Diane Ham re; Mark Thompson, of the Knights of Columbus; and Dave Ferguson, representing the Canadian Foresters. The Brotherhood night took place at St. Joseph's Church