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Sound investments Is a tittle market dabblin among your New Year resolutions Jama and Pan both account executives from Lynch Royal Securities Ltd will discus investment lc stocks bond the market itself tax shelters and dividend and interest Income at the Georgetown public library Feb at person or by phone for the free seminar Halton ag rep discusses assistance Woman finds meaning in life through March of Dimes funds Helping to make it happen Herald Special and sen lea Mary thekey of Hamilton A few years ago people like had to live In an inst far Miss bad the from her family in Sudbury chance to prove themselves as because there wain any capable other place to go By Henry J Stanley Rep The two key word an and assistance Far mers are adjusting to lions every day It s a life But sometime lions change so quickly that it a impossible to make adjustment In 1 me Several farmers currently are under financial pressure Some are under distress con dill They don I know how Interesl rates and low product prices They know that adjustments are necessary they can see the writing on the wall Many see their equity slipping away One farmer sold I tost the equivalent of fifty acres a year for the last two years Many producers feel helpless they feel alone perhaps The Ontario Form Adjust Assistance program is designed to assist during the major adjustment period This program is designed to help farmers In financial distress have a good chance of sue We have attach to an information brochure to help you decide If you fy There are three Equity of at least 10 percent and not over SO per cent Interest and Principal payments greater than per cent of operating costs costs of feeder animals arc not in eluded as operating coats and value of agricultural pro ducts produced greater than Gross less cost of feeder animals There are three partners In this program the producer the hank and the Ontario Gov bach partner will contribute to ensuring the via bit or the operation The producer and or his ac or farm management advisor are expected to pre pare a farm viability plan based on a sound production and financial management program and to carry out the program This may require reorganising or restructuring the operation of the farm or debt load The banker la make a commitment to pro vide financing to the operation and la structure the financing package to the needs of the producer as tar as Is possible The provincial government will provide additional assist once where necessary to back up the Initiatives of the producer and banker in order to promote a viable operation The level and type of assist deemed necessary will be on a case by cose basis Where assistance Is deemed neces sary three type of assistance are available The first option la deferral of interest by the bank for period of six months backed by a provincial guarantee During this period the banks would not compound the Interest This option Is where there Is a short term flow problem but ad- dent income Is generated at the end or a period For sample assistance Is needed until livestock are ready for market or a crop is sold In this case say is stand ng to the bank a percent float interest role This would amount to equals interest payment for the six month period This 10 interest payment would be deterred by the bank for six months The would be guaranteed by he The banks would agree to forego Interest on this 10 for the six mon th period If the producer goes bankrupt In that period the government pay the interest and the bank laws in compounded interest If the enterprise Is successful the producer pays the Interest only at the end of the six month period The bank still absorbs the lost on The second option Is an In teresl reduction grant of pcrccnl on floating rate Ha Oil for up to a maximum of one year The maximum a mount for this grant Is the existing floating rate tine of credit Interest rates would not be reduced below 12 percent This option is suited for where there Is need for reduction of interest rate In order to create a positive cash flow In this period Suppose the producer has on existing floating rate bank loan of at percent and an Interest reduction was deemed necessary by the local committee The interest dy of percent would result In a reduction of Interest pay from 000 for the year to or an increase In net cash flow by The third option is the province guarantees a future operating line of credit tonal to the existing floating rale line of credit This would bo provided by the hank at This option Is suited to a cose where the producer requires additional credit to put In a crop buy calves feed etc An example would be a producer with a sow far row finish unit which Is levered and requires an additional line of opera ling credit The government would guarantee this addition al line of operating cre dit The bonk would make this additional opera I ing capital of up to available at If you are a farmer who has a cash now problem contact your banker Ask about the Ontario Farm Adjustment Assistance Program If are eligible he will ask you to complete their bank forms showing your cash flow and forms for part The banker and an person will meet and recommend an assistance package containing one or more of the options available It will be designed to assist you lo adjustments and to get you through IhK economic dry spelt with at least some your operating been Improve ments in Miss life s nee then Through the Ability Centres and summer camps operated by the Ontario March of Dimes Alls round the opportunity for employ men as well as a summer vacation in the outdoors Miss was born with Cerebral Palsy a condition which affect the motor centre of the brain resulting in movement disorders Today we arc better able to realize the potential of ABILITY FUND Through Miss job training at the Hamilton Centre she discovered her usefulness working at sub- person contracting work such its despite his or her physical collating packaging and parts disab lily Fewer young people assembly must live In Institutions The summer of 1961 was the because a lack of facilities real holiday Mis Family asthma program back again Jan 30 ever had and she will always remember It with a smile Miss attended a boll- day camp operated by the March of Dimes For a person who lives In an Institution or group borne In the convenient urban centre annual March of Dimes camps offer a terrific break away from It all Campers enjoy the peace and beauty of the outdoors as they pate In various activities designed with handicapped adults in mind At camp Miss was able to participate in many outdoor activities such canoeing and horse back riding I tried It all but 11 went too fast She now lives in a home with other disabled people There she is able to be more lade- pendent going shopping or to the movies from time to time Wheelchair sports also occupy Miss Hlckey a busy schedule At home Miss spends her time constructive ly She pursues rug booking needle point and ceramic 1 m not going to sit around and feel sorry for myself I think that Is what most people expect Miss explains At present she plans to move back to her home town of Sudbury The Counsellors at the Hamilton Ability Centre have a realistic assessment of a working skills and they will assist her In finding employment In Hamilton Miss can apply to live In an apart especially adapted for wheelchair users with wider doorways lowered cupboards and hand rails However such apartments are few La Dumber and are In high demand The wait could be long In the meantime Miss has her work at the Ability Centre She states I really like working here I always meeting new people and I m doing something use ful One In every 10 Canadians have some kind of disability that creates difficulties for living a full and productive life The Ontario March of Dimes continues operate such services as the Ability Centre and camping programs The Hamilton Ability Centre is Just one of 11 workshops operated by the Ontario March of Dimes which provides rehabilitation work assess ment and Job training for physically disabled men and The Lung ions Family Asthma Program are developed for families with children who suffer from ma and provide exercises to develop physical conditioning better breathing and ion techniques as well as swimming The parents are Involved too In an educational that runs concurrent the children program Speakers Include allergists pediatricians nutritionists pharmacists and others expert in the field of Jos Brant Hospital hi Burling ton is medical advisor for the Lung Association and directs the programs In Georgetown the program takes place at tha Georgetown District High School pool Sat urday mornings from 10 to 11 JO a starting Jan Physiotherapist Crete Scnst A Christmas Seal Ser FREELANCE DRAFTING AVAILABLE Also LIGHT GRAPHICS 8778949 VIsMllkMUJIIIIaal J SALES SERVICE Whits Etna Jonomo Dealer Data si Ftepius all makes Futfy teed pair ajjg NO SERVICE CHAflQE In horn call 1062 Hare Had Wright and lata Fred Has Daughter the tale Anthony Had Also survived by her Norma Mrs Ray son and their Susan and David at the Ward Funeral Home CnopoT S3 Mao St South The tarn I will Mood ana 1 on Service chapel at 3 Interment n plot at Brampton remote I730C Monday January at and MaaTwnslHoapRal a Jwi Mrs Doug and Ann and Chart bom be haw at St Church January a gin In lieu towers may be To and District Hospital or On tario Heart Foundation The Town of Halton Hills NOTICE 1982 BICYCLE LICENSES Fee Every resident the Town Hs owning a thai obtain before such or Bowing be used upon any highway in Town i may Pa by to the Municipal of the Town HAs located at Main Street South Georgetown and Mil Street East Acton Monday FridayB30 30 and abo at North Sports Main South Georgetown taxing store hours A Bfcyct License vaad to parson to whom it tt and la not transferable and fur tier no scans la rwqured si subsequent thor a WINTERTAINMENT 81 14 PORTABLE COLOUR TV solid dutch start fsature from SOLID STATE COLOUR TV with frequtney control Come See Our VCRs Hitachi Toshiba Zenith BRAMPTON COLOUR i SOUND am SUNDAYS To Serve You TRIAD AND LUGANA JEWELLERY Plus Large Selections of TIMEX WATCHES 20 OF DELREX SMOKE SHOP Georgetown Market Place 10 6 PM CENTRAL CABS and Flash Taxi OPEN 24 HOURS SUNDAY CM 8771111 8779914 ARE YOU OPEN ON SUNDAYS IF SO WHY NOT ADVERTISE CALL SPORTSMAN BOWL OPEN SUNDAYS 310 PM 8773802 women across the province The summer camps are run annually in Albion Kills Long Laic In Sudbury and at Ctarc- In addition to these services the organisation provides personal support Items such as wheelchair and electronic devices and assists commu nity groups of disabled persons with such issues housing transportation and acceulbl lily Such services are essential the Ontario March of Dimes Is to continue to help Improve the quality or life for disabled men and women In this province The provision of these vices is possible thanks lo the generosity of public donations during the March of Dimes Ability Fund campaign in January and February For further Information contact David Clarke rlo March of Dimes 90 Thorn Park Drive Toronto Ontario The Ontario March of Dimes ha provided and recreation opportunities for Msry Hamilton Despite her disability llkkey attire her community lOMDphoto SERVICES DELREX ALUMINUM Specialist In Aluminum Siding Sofllt Fascia 8775383 ALUMINUM BOX CHURCH ST ONTARIO Aluminum Siding SofllUnd Storm and Windows Seamless Eayetlrought Hoofing in 8774747 FREE ESTIMATES GUARANTEED WORKMANSHIP CHIMNEY CLEANING CHIMNEY REPAIRS Ed 8531818 ALL FORMS OF INSURANCE For Soivlce Cal BARBER LTD COMPLETE TRAVEL SERVICE INSURANCE 877 2214 mas JACK BEER INSTRUCTOR Ontarl Safety Approved Course Dual Control Fully Insured CALL MURIELS ELECTROLYSIS Muriel Johnston 8774732 For etacliotysis and call THE BEAUTY SPOT 8775376 Brampton Monument Works MONUMENTS MARKERS LETTERING 1 1363 BILL GARBUTT Plumbing Healing Ltd 8773638 PLUMBING HEATING SID SONS Plumbing Hasting IniUiiillona WE SELL THE BEST AND SERVICETHE REST 2121 ELECTRICAL Your home Need an extra pluglight CALL JACK 8778182 30 years experience Rate EARLS FIXIT SHAVER SERVICE Boulevard Georgetown Electric Elect Lawn Mowers Small Appliance Blow Dry Curling Irons Swimming Pool Motors 8774822 For Acrylic Nail Tips Call THE BEAUTY SPOT 877 5376 RADIATORS REPAIRED CLEANED PEEL RADIATOR SERVICE Nelson St West of Cup Con il PLASTERING REPAIRS ALTERNATIONS and TILE WORK SUPERIOR SHOE REPAIR GEORGETOWN MARKETPLACE ALSO MILL ST E ACTON 8532811 SNOW PLOWING COUNTRY CUSTOM UPHOLSTERY All types fumlluf trad For oritur InlMrnallon CALL Of UPHOLSTERING UPHOLSTERED FURNITURE RECOVERED AND REPAIflEO Quality Workmanship T Stews own IUMJJUIJIItJMJIJH SOFT WATER THE WAY IT SHOULD BE PERSONALIZED CATERING SERVICE BUSINESS MEETINGS WEDDINGS SHOWERS PARTIES No Too Small Farms and Business SELF SERVICE SsltPlctvporDaHrary PHONE 8776242