The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Page 14 If ALTON HILLS OUTLOOK Saturday October 17 1387 Business Outlook Consumer credit u do have a choice Lawn and Cycle owner Nick and a mechanic Clay Ml Rue show oft one of lop lawnm Ira Ion Mr bought the I In photo Seniors carry marketplace clout by Dennis Were all getting older But ihe proportion or senior citizens among the population is growing each year Proportionally arc more seniors among us loday than ihcrc have ever been For example back in 1971 about one in 12 Canadians was older than By year just 14 years from now about one in seven Canadians will have reached age Moreover while our total pop ulation is growing slowly the number of seniors is increasing rapidly 1971 and Canada s population is expected to increase by only about one third but the number of people over 65 will more than double from 1 million to nearly milli on The numbers will grow even more rapidly in Lhc next century when the massive post war baby boom population reaches retire ment age These profound changes in our population are causing govern businesses and many in stitutions to take a closer look at senior Market researchers for example have discovered that seniors have an enormous amount of spending power one estimate puis the untapped senior market at about billion Ca- seniors tend to be savers raihcr than borrowers ihcy do spend a great deal of money Businesses arc increasingly to this market with products services and discount for the elderly Retirement a some people fondly call lhc golden pond may in reality become a time of misery for many others Seniors vary greatly in terms of health wealth ay self reliance and energy Financial Counsellor brought fo you by Canada I local Credit Unions The median income of aged 65 or over is jusi over and nearly of them iry to survive on less than a year If you ire or have already reached age to improve your financial condition may be limited Atbctt your in come will probably remain about the same as it was when you re tired More likely you will have to leam to cope with a reduced income That means expenditures may have be reduced but mean the quality of life must nc ccssanly decline For example a smaller house or condominium and a smaller car could save mo ncy and be more suitable when your children have grown up and left home Your local credit on will have plcnly of informa available about budgeting DENTURE THERAPY CLINIC TRENTON DT CHURCH STREET GEORGETOWN 8772359 Photo Tips by Peter Moss The second phase in the canyons of the darkroom Is the fun aide of and W work Making actual print The solitary drawback In the print making aspect of your darkroom Is that generally the expense In curred In setting up is far greater than that of processing your negatives No need to panic for beginning purposes we can divide the operation Into two separate phases with the first being making contact prints wherin little expense is required and the second step where In you will need an for the actual enlargement of your negative Into photographs A basic Equipment list for contact printing would look something like this darkroom trays at least iff cost GO print tongs cost I cost small timer for seconds cost 1 sheet clear glass edges 11 14 cost siie troy for washing coal 1 You will also need paper developer you cannot use your film developer on pap dltlon you need your thermometer from outlay The other required chemicals you have already purchased from your film processing rcqulremcnls Please remember that although the total investment might seem a bit steep to you keep in mind that if you send out and film for development and one contact sheet your cost a store will equal multiply thai by or 10 rolls of film and you have spent SO By doing your own work and furthering your knowledge you will save a great deal plus you will have lhc satisfaction of having done the job yourself your own standards Until next week Peter Moss Photograph WEDDINGS PORTRAITS TEAMS AND COMMERCIAL GEORGETOWN OUT PETER MOSS MOSS credit t mean taking out a loan Credit comes lnivanetyof farms indfrom different sources IWJK CARDS The bank cards VISA and MasterCard are purpose cards issued from some chartered banks trust companies credit unions aires ou can use them to obtain cadi advances or for extension of payment for goods and services over a period of time are accepted by many businesses world wide balance on your statement in full by the due date Iheit is no interest payment If only a partial payment made interest apply Seme ibo charge an annual or transaction fix or a combination or both CHARGE CARDS These art issued by companies such as Amen can Diners Club Carte Blanche retailers and ics Some charge an innual user fee and others the full amount must the Unit Interest credit limits vary CHARGE ACCOUNTS These an offered to some retailer can be sit up in a of ways There in 30day requiring pay menl in full no later than 30 days time of billing instalment plans having monthly payments including interest for a specific and all purpose accounts CONSUMER LOANS These loans offer a variety of options because the length or duration of the loan the conditions of repayment and die interest rates vary Con loans may be obtained from banks trust companies credit unions populaires sales finance companies and insurance companies if you hare a INSTALMENT LOANS Regular monthly payments conditions and interest rates an but there has recently been a trend toward rates DEMAND WANS customers at rales to tlie prime lending ran these are loans far which repayment can be required at any time Normally early repay not required In addition full or partial payment can be made of schedule penah CONDTTIONAL SALES CON TRACTS General these an offered through retailers such as car dealers who then sell a contract and promissory note to a lender who rect ives the monthly LIFE INSURANCE cash surrender value of a life If you choose to use credit con sxler ill Ihe puore That wry can determine the best mint to suit your needs fbr man information at nahi for the frrt booklet CnditUhe The Canadian tun lisa Stuttoi Tarvnto BIGGER BETTER FASTER See Us For Top Quality Auto Services Seal Coven Carpal Raw Light Glass Engravng Custom van SldhoWndow Windshields Rati Glass VanConvaraion Boat Tods We Specfain hi Custom Automobile Upholstery IF YOUR WINDSHIELD HAS MET WITH A BREAKING FORCE FREE MOBILE SERVICE SAME DAY SERVICE Ply Deductible On