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HERALD WeJaeidMaM UN Retirement saving a top challenge There is was in all of the daily newspapers and on Dian Cohens business report on Canada A M The Canadian Institute of Ac cited saving for retirement as one of the top challenges for Canadians in the 1990 Easier said than done Their calculations indicate if you want to have percent of your final salary at retirement age and you are a male years old and you don t have a or a Company Pension Plan you will need to save 6 per cent of your gross income to reach your objec tives It a little easier if you have a or Company Pension Plan you only need to save percent of your gross income That because the government encourages saving by tax reductions on and Pension Plans If you are you need to save 20 percent of gross income if you don have a RRSP or Pension Plan and percent if you use a RRSP or have a Pension Plan at work The percentages are even higher for females because they live longer In almost 25 years of working with people to try and help them achieve a fair measure of wealth I concluded that there is only one way to reach that goal PAY YOURSELF FIRST have run across people who gave the appearance of wealth and in reality had next to nothing They were earning big incomes but were spending their money as fast as they earn it They were making regular payments on things like cars stereos TVs and vacations Although they owned these things they were actually ing in value as they were paying for them But I ve also run across others who earned a modest income ed part of that income and were either on their way to or had achieved true financial in dependence Guess who was the happiest You re right The savers They could see their financial lot im proving The spenders were often dissatisfied always wanting more things but never seeing of debt DO YOU PAY YOURSELF FIRST Over the last years I think that I have heard every excuse there is for not doing it But I keep explaining to everyone who will listen that there is an easy way to do this Its called a preauthomed cheque The money comes out of your account every month just like your mortgage or car payment or cable TV payment But and this is a BIG BUT this is your money COUNTRY VIDEO GAMES XT L COUHTKYMWGEIPUTT NOW OPE COUNTRY FROZEN YOGURT I -U- COUNTRY LOBSTER MEW COUNTRY CRAFTS TT COUNTRY BAKERY A DRIVE IN THE COUNTRY at fUwr urn Cwmta ITS YOUR MONEY Paul J Rocket you are paying yourself first and saving to become financially in dependent There are many ways to invest you can loan your money and earn interest or you can be an owner of a business or part of a business or income producing real estate In my investment of my into mutual funds has pro ven to yield an annual average return of over percent com pounded over the years that I have done it Very simply mutual funds are professionally managed invest ment enterprises in which people can pool their money and share in the growth and gam of a portfolio of stocks and securi es Because of diversification within the port folto participants will own a small share of a wide variety of in vestments SHOULDN T YOU START PAYING YOURSELF FIRST For a free chart detailing how monthly saving into an mutual fund has grown compared to a percent investment over the last years ask for Monthly Savings and contact Peter C 10 Drive Georgetown or phone 877 Paul J Rockel is the author of the best seller Why I Invest in Mutual Funds and President of Regal Capital Planners Ltd Attend seniors meeting Herald publisher Bob left receives some words of advice from exowner and publisher Walter Biehn centre and ex production manager Garfield McGilvray Mr worked at the Herald for 33 years before his retirement in 1973 Mr worked for years at the Herald before his retirement in 1976 The trio met at a recent seniors meeting held in the Holy Cross Church Hall Herald photo PHOTO REPRINTS appearing in The Herald 8772201 POSSIBLY THE WORLDS BEST BAR B QUE CHICKEN FRIES HONOLULU SPECIAL 5 Complete Quarter J Chicken Dinner 232 ST 8731646 SAT 11 SUN CLOSED STAR Limousine Service We Treat You Like A Star Call Nancy or THE CORPORATION OF THE Town of Halton Hills 1 Hallon lis Drive O Box HALTON HILLS Georgetown Onlario L7G IN THE MATTER OF The Ontario Heritage Act RSO Chopter337 in matter of the lands and premises at following location in the Tow of Halton Hills in Municipality of Hollon NOTICE OF PASSAGE OF A BYLAW TAKE NOTICE that the Council for the Corporation of the Town of Halton Hills has enacted By law No to designate the Beaumont Knitting Mill at Main Street Halton Hills Glen Williams on property described as Lot Plan 1555 Town of Halton Hills in Regional Municipality of Halton as being of architectural and historic interest under Part of the Ontario Heritage Act Reasons for Designation The property was or ginally owned by James Leslie and subsequently by Joseph Tweedle It contains structure which was probably built by R chard Hurst shortly tor This Shoddy Mill was added to over the years by Samuel Booumont The structure is comprised of a three storey mill build and one and a storey building fronting Main Street wh straddles the original race Both buildings ore of coursed rubble limestone The three storey structure has a four sided mansard roof with twenty dormers with eaves The three storey portion is the oldest remaining mill constructed within the V of Glen Williams It has been in continuous use as knitting mill from the to and as such it was a place of for forty to seven ty five Glon Williams residents since the mill was established The ture stands as on industrial landmark to the north approach of Glen Will DATED Hills this day of May Don Coslea Administrator Clerk Town of Halton H lis Box Halton H lis Georgetown Ontor L7G 5G2 id No 1111 THE CORPORATION OF THE Town of Hills 1 Halton H lis P O Box HILLS Georgetown L7G 5G2 NOTICE TO PROPERTY OWNERS IN THE TOWN OF HALTON HILLS THE ONTARIO WEED CONTROL ACT AS IT APPLIES TO PERSONS IN CONTROL OF LAND WITHIN THE TOWN OF HILLS Unless noxious weeds are destroyed by May 1990 and as often as necessary throughout the season to prevent the of their seeds and dispersal of their pollens the Town of H Is may enter private property and destroy these weeds The costs will be charged against property owner and collected in like manner as municipal taxes Gootsbeard thistles poison ivy ragweed wild carrot and milkweed are among the weeds cons noxious and must be destroyed wherever found Complaints regarding dandelions and golden rod will not be ted as these are not considered noxious under the terms of Tho Weed Control Act Anonymous complaints will not be accepted Keith Leslie Weed Inspector Town of Hills or 416873 0517 Monday to Friday THE CORPORATION OF THE Town of Hills Hills Drive HALTON HILLS Georgetown Ontario L7G 8732600 PUBLIC NOTICE Notice is hereby given pursuant to Section of the Municipal Act being Chapter of the revised statutes of Ontario that the Council of the Town of Hills at its meeting to be held in the Civic Centre at 7 00 day June 11 will consider the passing of by lows for culvert construction as set out below 5th Line Box Culvert Construction Lot Details of this proect and the proposed by laws are available for viewing during normal business hours at the Engineering Department office Any inquiries should be directed to the Engineering Department at 2600 The Public is advised that the Line will be closed between Highway and 32 to traffic during the construction period The Council will hear in person or by his Counsel any per son who claims that his lands will bo affected by said by laws and who applies to be heard Persons wishing to be heard should notify the Clerk 5 Department no later than Thursday June 7 C Austin Eng Town Engineer The Corporation of Town of Hills Halton Hills Drive P Box Halton Hills Georgetown