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Panel answers farmers questions on financing by Ted Nearly 50 Halton farmers attended a Farm Finance Forum sponsored by the Federation of Agriculture Monday at Boyne Community Centre near Milton An audiovisual slide presentation by Hood of the Federation dealt with the development and threats to agriculture in County Moderator for the evening Peter Lam brick introduced a panel representing financial institutions The panel consisted of of the Farm Credit Cor FCC Jim Darlington represent the Bank of Montreal GordEadie of the Royal Bank and John Ross from the Cana Imperial Bank of Commerce Questions were raised about the proper procedures of procuring operating loans and mortgages The panel agreed it is the responsibility of the farmer to do his home work All financial records pertaining to the farm operation for the last three years should be brought in to the banker so that he is able to get a full picture of the operation and assess its viability Asked about the availability of long term credit John Ross stated it was not possible because people wont deposit for long terms so money locked in for long term loans They seem to like the day terms he added If people would deposit for long periods the money would be available Rodger Shier of FCC pointed out their credit was geared to long terms and added that most of the FCC applicants were under the 35 age group The most controversial question of the Richard Sovereign a cash crop farmer from the Milton area He was about lack of protection for farmers delivering produce to mills or ele vators then receiving cheques with the company ending up in receivership One elevator was forced into receivership last fall after local farmers had delivered considerable quantities of grain The produce was seized and farmers suffered substantial losses Jim Darlington replied that in this In stance it had been his bank involved He pointed out the farmer a secured creditor in those circumstances so he usually ends up receiving a few cents on the dollar Hi maintained the bank did what they had to do simply out of financial nece ssity Mr Darlington warned the group the only form of protection for farmers is a credit check run on the company dealt with He cautioned however that these checks are general and might not reveal a problem in time for the farmer to react Ed Segsworth another cash cropper from Milton asked the panel if they would sup port legislation to protect farmers in these circumstances The panel members all catcd that they personally would but that policies of the banks were made by their Rodger Shier of FCC discussed the op portunities available to young fanners wishing to get started in their own opera ions and outlined the qualifications required in the Beginning Farmer Assist Program This Ontario government program is set up to subsidize interest on loans taken out by first time farmers to buy land or other capital pur chases The entire panel felt interest rates would remain stable over the next Federation president Jim thanked the panel members for participating Ttd is a Hills farmer and writes on lure newsmakers GeorgetownActon Wednesday March 1984 Georgetown Rd GEORGETOWN 8775108 Toronto Una Thin on Highway east of resulted In the death of two mm hit afternoon one an area resident liitrru limhan of lilt J was a passenger In a west driven Toronto when thr tab skidded on pavement Into the path of an oncoming east bound truck Police said the collided headon and thi truck over tin the killing both occupants dosed off llu tijliJ us Ihev out the tampion tin ivt lo the sunt police Booming Hillsburgh market startles real estate broker capital of the Township often dwarfed bv neighboring Erin ith experiencing a housing boom in Us history Then more houses on the market and Mild in ever before says real estate I Ihs whose firm has fl large part of tin m Mr there arc prop or sale and sold at present about I is much as normal be says was con to be too far from Metro Toronto houses there were sometimes I fiiiult to Not now Since December we been selling houses to couples from and Toronto Distance and the price of gas have been no concern What triggered the unusual activity in a village where change was often unwelcome Mr Ellis feels the new senior citizen apartments in the village have a lot to do with it people who feel can no longer keep up their homes have put them on the market Wove moved eight or ID older homes since December says Mr Subsidies help create Look cost student summer jobs wont rise The end of the school year is still a long way off but for student as well as em plovers this is the time to think about summer employment to Deborah super for the Canada Employment Centre for Students in Georgetown university and school students should start getting their names in to prospective employers and keep in touch over the months While an enthusiastic youth can often find a stream of odd Jobs throughout the summer by way of the employment board at the centre which opens in April the better longer term Jobs are generally grabbed up early At this time of the year Finegan is busily canvassing local employers encourageing them lo offer positions to students through the summer under the federal government Summer Career Access program It s a career related program she explained and the government will pay an who qualified per cent of wages to a maximum of an hour for a hour week A student must be offered a fulltime Job lasting up to 18 weeks that will provide training and work experience to make them more able to gain employment when they leave school The program aims at the heart of unemployment rates for youth aged for whom the national rate hovers around IB per cent Youth often find it tough to gain initial employment because they lack ex penence and this programmers to relieve than problem Private sector employers are for a subsidy as well as nonprofit lions Those offering Jobs with careeer development potential in specialized or highly technical areas will be favoured The deadline for applications Is March and says so far she has gotten a favourable response from employers she has approached The provincial government also offers a number of programs for both and employers Students who want to own their own bus ness can get an interest free loan of up to under the Student Venture Capital Program Itisopentorcturning students 15 years and over Applications can be obtained from secondary schools Royal Bank branches or by writing the Ontario Youth Secretariat Bay St ad Floor Toronto M5G 1Z6 Employers can get a wage subsidy of up to 1 per hour under the Ontario Youth Employment Program For more informa lion call 18003687593 Rural residents can breath a little easier knowing Region has no plans to In crease the cost of septic tank inspections Councillors agreed recently to file away a report from former Medical Officer of Health Peter Cole saying the current inciol system for financing such lions will continue the current arrangements Dr Cole reported septic tanks are inspected by the region and the Inspections are financed by the provincial Ministry of the Environment If the cost of the inspections is higher than the amount paid the Ministry the deficit Is covered at the end of year he added Provincial staff have been consulted he added and he has assured us that the prac lice of paying for program deficit will continue and there is no need to effect a fee increase in order to ensure total cost recovery On deans list Margetts daughter of Mr and Mrs J Margetts RR 1 has been named to the dean list at College Norton Massachusetts senior at the college Minimum grant paid to Halton the government has in creased the total amount of unconditional grants to municipalities by per cent Region will gel the minimum in ireisc of per in 19B4 Regional Treasurer Joe an nounced Wednesday that the region should expect over million in unconditional grants from the province which is about short of what il would have received with the full per cent increase He indicated that the regional mill rale may have to rise 1 1 per cent just to cover thi to many cities especially those outside of regions arc getting average increases of 10 per cent is till the result of reforms to the rant program which conceded was needed Under the new program the province bases grants on the number of households in a municipality rather than on population as was done prior to this year The feeling from the province is that service requirements are tied the numher of households explained grant formula favours high density development with a low papulation per household gets less favourable treatment it has lorce number of single family homes rather than high density complexes was granted about per person when grants were based on population but now receives per household Based on 1983 Figures which 9 resi dents per household in the region the condition would have declined to per person However the guaranteed a minimum per cent incrcise in grants prevented from losing million as it would have if the in Hi ml do warned though hit there is no the guarantee will continue in future years Without it he said the regional mill rite would rise per cent Hilton suffered from the loss of a in police grants that was prcviouslv regional municipalities Under the old system a region got per person for police services while outside regions got A stand of per household has now been enacted real estate people would have found it difficult to move houses In Hills says Mr Ellis There was much concern for the economy and job layoffs there seems to be much more both the economy and the job market couples buying their first house arc into Hillsburgh is not so distant any more Mr still shaking his head in won der it the mirkct He noted that people movinf into the new senior citizen ipirtmenls this week and it could trigger even further activity on the housing market Closure moratorium rejected by Board by Alex A proposal for a two year moratorium on school closures in was defeated by the Halton Board of Education Thursday Trustee Peter Abbott who made the mo said he wanted to remove the cloud of doubt that hangs over some schools thought to be line for closing Even though the schools are not designated for closing the doubt can discourage parent groups from working far projects for the school such as computers and playground materials Abbott told the board When people arc selecting a community to live in he said they often consider the school is an important clement and the board Indecision makes it hard for them to decide Abbott said that he is in fovor of school closings as a policy but wants to give people more assurance what would be happening at least two years hence To realize savings when a school enrol men drops the board should instead of closing the whole school close port of it end seal it off he slid In opposing the motion trustee Jim said such a policy would lead to a three year or fourvcar commitment on closing and it is known where the schools arc He said the board should carry on the present procedure of consolidation since the toxpayers expect it Trying to maintain schools that t viable said trustee Pat Hill house would lead to unnecessary financial burden and children receiving programs thai because of the low enrolment would not be of the standard of other schools Supporting this theme trustee said that when a school unit is no longer vioble is belter to create new ones She cited a situation in Burlington where if there wasn consolidation of schools south of the children in that part of the city would be getting programs inferior to those offered north of he highway where popula ion is growing Trustee Cam Jackson was concerned about the question of maintenince Should the board he asked pump into a school It might soon close Only four trustees supported the motion CVCA budget up by 18 The Credit Valley Conservation Authority has held their budget lo a slight increase of 1 per cent over 1983 The total budget passed by the Authority Is 4 147 Plant to bi an administration office near the present bjilding in Meadow vole have been for the present land acquisitions put aside and a weed harvester deleted from the budget The will seek funding for these pro from the Minister of Natural Resources The Town of Ha it on Hills wilt pay lo the CVCA for eight projects In which the Town is the benefitting municipality Primarily all arc erosion control programs with the largest an area on Armstrong Avenue Georgetown where the steep slope has been eroded An enclosed storm sewer will be con through he North Golf and Country Club property to help combat gully erosion in the Silver Creek valley A budget breakdown shows per cent covering water and land management fisheries one per cent vation and recreation per cent ad ministration II per cent Lake Ontario waterfront per cent and operating three The province covers per cent of the CVCA costs Ihe general levy from all municipalities in the Credit Valley water shed covers per cent the Authority generates lOper cent and special levies paid by municipalities benefitting by specific projects make up the remaining per cent Parents of infants receive special from new program ByLISAJAKOBSEN Parents ore the most important factor in the infant stimulation process say Marilyn Parsons coordinator of the Parent Infant Program Formerly called the Infant Stimuli Program the four yearold Health Department project continues to offer home delivery of stimulation techniques essential to childhood development An Ultradisciplinary team delivers aspect of early ch education physiotherapy social work and nursing skills to mothers and infants in homes Calling the service an intervention process stresses the importance of identifying babies who are not receiving the kind of stimulation required for healthy development lo normal children or for maximising development potential in special needs babies Babies between the ages of to months are of special concer to the public health nurses that visit homes con cent rating on three main categories of in fants and their developmental problems Babies identified at birth as having special problems such as spina bifida or Down Syndrome compose the first group Parsons adding that children at risk due to health related problems such as illness premature birth and post natal prob lems make up the second group Some babies are at risk because of en vironmental factors she says citing young single mothers with limited parenting skills or family support as an example Anjone can make a referral to the agency including public health nurses physicians and social workers Selfreferrals are also accepted A team member is assigned to a home as long as parents are willing to participate in the educational program During a typical first visit the teacher assesses the child overall development Gross motor movements use of large muscles and fine motor movements eye and hand movements and how they language development adaptive reasoning and selfhelp are all considered The teacher works with parents to set up An monthold forexampleabouldbeabletoget up on her hands and knees explains Ms Parsons At this stage longterm should be developed to the point where a child can retrieve a toy even If it not in ect view In other words Just because the toy Isnt in sight mean the child dec Ides that it a gone for good Whether the baby has a disability Illness or probtema the approach Is more or less the same says Ms Parsons If the teacher determines that the goal should be learning how to retrieve a hidden object then she will start by par hiding the object or showing the child the process until this task Is accomplished Often visitor offers some support lo the inexperienced mother or the mother with a medical problem Most mothers naturally talk to their babies move their legs or use the mirror but if the baby Is handicapped and smile mum stops smiling she say of a cycle of non stimulation that affects development of language ai well physical development For further Information on the Parent Infant Program call 827