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The Independent, Canadian Statesman Weekender, Bowmanville, Saturday, December 18,1993 7 VanBelle Gardens Welcomes Tiny Staff Member ^ . '*hi "" (à The Endangered Animals Sanctuary ^ wishes to thank the 157 families and k individuals who attended our ^S^SÊSks^. OPEN HOUSE last weekend. It was such a "ROARING SUCCESS" we intend to hold future open houses. Please watch The Independent for dates and times. L Thank you from ^ The Sanctuarians at the Sanctuary. Well known VanBelle Gardens at Courtice has a new staff member who joined the organization recently recently and is gradually becoming familiar with its operation. She is Michelle VanBelle, being held by her mother, Karen, in this photo. Alongside are her two sisters, Sarah and Amanda and their father, Carl VanBelle. They are pictured in front of the fireplace at the beautifully decorated garden centre. Legislation is Passed to Improve Safety of Roads The Ontario legislature has approved approved three pieces of legislation to improve the safety and efficiency of the province's roads and highways. Transportation Minister Gilles Pouli- ot announced today. "This is an important step in our work to make Ontario's roads the safest safest in North America," Pouliot said. The legislation - which includes graduated licensing for new drivers, an integrated safety program, and new dimensions for trucks and intercity intercity buses - now needs only to be proclaimed to become law. Graduated licensing creates a new, two-level licensing system last ing a minimum of 20 months. Due to begin in spring, 1994, it ensures that new drivers of all ages gain practical experience gradually in low-risk conditions conditions before obtaining full driving privileges. Integrated safety is an eight-point program that features, among others, a centralized data base, magnetic strip driver's licenses, and photo radar. radar. Photo radar is expected to help reduce speeding, and the severity of resulting accidents, on Ontario's highways. A six-month pilot project, beginning in April 1994, will assess the effectiveness of photo radar. Ministry Ministry of Transportation information BEAT THE BOXING WEE RUSE 1993 MAXIMA GXE MANAGER'S SPECIALS "MORE AWARDS THAN ANY OTHER CAR IN ITS CLASS" - V-6, Keyless Entry • O/D auto » Automatic air conditioning • Security System • Power "Just About" Everything iftcE *21,890* QUALIFIES FOR 5.8% FINANCING <? *20,991 ! ^ *24,9951 <? *23,195 *94 ALTIMA "93 240SX *93 PATHFINDER 11 CONVERTIBLE \ •Auto «Power Top * XE * Auto * A Door'Air • Stereo * More Qualify tor 5.8% Finance nil • AM/FM Cassette • Power Mirrors ii Qualifies for 5.8% Financing <*'-*10,95 »>W90 W49- '94 SENTRA GS •92 NISSAN '93 KING CAB V6 • V6 • Auto • Stereo STANZA • 2 Door Goupe • 5 Sp • Jump Seats * Auto ' Air * Power Pkg. Qualifies for 5.8% Financ ng * 4 to choose from | Qualifies for 5.8% Financing .un Auto II *15,990 '93 NX-1600 SPORT COUPE A eAH0 5spd. „0A Ge *10,490 'Q2 NISSAN V *9,990 SENTRA '93 HARDBODY • Auto • Stereo • Factory Warra htÿ; • T-Roof • Stereo • Much More PICKUP *5 to choose from' Automatics Available Qualities for 5.8% financing Qualifies for 5.8% Financing FREIGHT, P.D.E. ($590), taxes extra, 5.8% financing up to 48 months, eg. $10,000 <S> 5.8% over 48 months, payment $233.93, C.O.B. $1,228.64 Serving Durham Region Since 1960 1300 DUNDASST. EAST WHITBY • 668-6828 DUNDAS ST. E HWY. 401 on locations where speeding is a factor factor in collisions will help the OPP determine determine the placement of the cameras. cameras. New dimensions for trucks and inter-city inter-city buses will improve the efficiency efficiency of these industries in Ontario, making them more competitive and bringing the province's regulations into line with those in other North American jurisdictions. The longer trucks will also have improved safety features. "It is critical that our transportation transportation policies reflect the realities of 1994," Pouliot said. "In this session, we have taken several significant steps towards achieving our road safety goals." Managing Retirement Income: Focus on RRIFs By Dennis Beere Manager, Bowmanville Branch Toronto Dominion Bank Over the next couple of months, a vast number of Canadians will be considering their annual RRSP contributions to boost their savings for retirement and take advantage of tax savings. For people approaching retirement, the focus changes from accumulating retirement savings to managing retirement income. Because RRIFs (Registered Retirement Income Funds) are tax^sheltered plans which are a natural extension of RRSPs, they are becoming an increasingly popular retirement income option. RRIFs (which, if selected, must be purchased with your RRSP funds before the end of the year in which you celebrate your 71st birthday) provide considerable flexibility in terms of income management. When a RRIF is purchased, an annual minimum payout is established (indicating the minimum amount of income you must withdraw every year) - but beyond that minimum, you may withdraw as much or as little as you like. As with RRSPs, you pay tax only on the amount you withdraw, so investments within your RRIF are tax sheltered. And - again like RRSPs - you can choose from a broad range of investments, from GICs to mutual funds, with self-directed RRIFs allowing for bonds, equities and other securities. This investment flexibility provides the opportunity to boost your returns, take advantage of rising interest rates, diversify your portfolio, and develop approaches to protect against inflation. In recent years, RRIFs have been improved in terms of flexibility of payouts, and the ability to provide for income past the planholder's 90th birthday. Other improvements have resulted from the efforts of financial institutions to provide a competitive range of RRIF products. So if you are approaching retirement age, ask your banker to review the available options - and feel free to call TD's Green Infoline at 1- 800-387-2092, if you need further information. The Toronto-Dominion Bank 39 Temperance Street Bowmanville, Ontario L1C 3K9 Tel: (905) 623-2514 ID BANK Your Bank. Your Way. Locally owned and operated by Glen Morris