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

Continued from page 13 Statistical science at the University of Waterloo, says “For me personally at the age of 42, I believe that something called Canada Pension Plan might be there for me when I retire. However, I think it will likely be heavily taxed or that the benefits will be pared right back”. When we look at government pen- sion plans for government employees who comprise about 23% of employed Canadians, we see the beginnings of some dis- turbing trends. British Columbia’s Auditor General, George Morfitt, reported in December 1991 that his province’s public service pen- sion fund is $441 million short of what it needs to provide the neces- sary benefits for more than provincial government employees. Of course, the experts can be wrong but there does seem to be a growing realization that, as our society ages and our indebtedness as a nation cramps the capacity of government at all levels to provide services, government pensions may well be a victim of a chang- ing social and economic order in Canada. If you share some of that con- cern, then obviously making per- sonal provision for your longer term needs and retirement through Using RRSPs: "makes excellent sense" the use of RRSPs makes excellent sense. How you should be structuring your RRSP planning in relation to your likely income needs and your investment temperament is a sub- ject for my next article. However, before the details of that are reviewed, you should be giving thought to several issues - what preparations you have made so far; at what age do you wish retire and what does retirement mean. Will you be totally dependent your existing financial resources and assets or will you want to continue to work in some part-time capacity for both finan- cial and therapeutic reason’ Those answers will largely determine how we work through the specific planning of how much to invest and how to invest. John Green is a Milton resi- dent and an Account Executive with the Investors Group in Oakville. The opinions expressed in this column are of a personal nature. They should not be acted upon without consultation with a qualified adviser. If you have any questions about your situa- tion with reference to this article or any other financial planning matter, you may reach John at 875-0511 or 842-4630. ° F} "At Your Service, To advertise in "At Your Service ” call Monica at 873-2254 TWith ‘thi. ouupon etl your V.C.R. tuned up! ! for ONLY ‘29. Mobile Sound | Systems |} 332 Guelph St. 877-1688 ; (behind Brew Factory) Ld CVCA changes waterfowl hunt The Credit Valley Conservation Authority has announced changes to the 1992 waeciee Hunt at the Orangeville Reserv “Many hunters Sorina that a Saturday evening hunt would be an advantage as many have difficulty getting out on Tuesday or Thursday afternoons”, Supervisor of Field Operations, Jim Hastings said. “Hunters wanted more time than our Saturday morning shoot permit- ted so we have changed the times to accommodate them”. Hunters are allowed at the reser- voir from September 26 to October 31, 1992. Hunting times are Tuesdays and Thursdays from 4:00 p-m. to 1/2 hour after sunset and Saturdays 1/2 hour before sunrise to 11:00 a.m. continuing at 4 p.m. to half hour after sunset. Saturday, October 7, 14, 21 and 28 hunting will begin at 1/2 hour before sunrise to 11:00 a.m. and continue at 2:00 p.m. to 1/2 hour after sunset. The new times will provide a total of 62.5 hours of hunting The Orangeville Reservoir has 12 blinds available, some by boat only. Blinds are assigned on a first come, first served basis and there is no pre-registration. No gasoline pow- ered motors are allowed on the Reservoir and all hunters must have Complete Ceramic Tile Sales & Service ~ Free Estimates ~ « Excellent Prices & 877-9617 Residential * Emergency Repairs Reasonable Rates 877-9602 ceorcerown)| TWISS FUELS | [REPAIRS TO ALL MODELS OF Rent-All LTD. Tools * Equipment TVs & VCRs 332 Guelph Also maha Stereos St. oa HUPRICANTS ie nasteaatey erveaeat penias-Saes|| gase 873-1820 Sate 92 Sens Argue ast yt Landscaping Landscaping ARMERS' TING LAWNCARE & LANDSCAPING ek rp Lesage ~ Fall Cleanup ~ Sand, Gravel & Topsoil ~ Free Estimates ~ Sats Roasonable Hatake =... © CUTTING ¢ FERTILIZING gene rates? *LANDSCAPING _ * TRIMMING 853-2515 873-8806 either a dog or a boat to retrieve birds. “The intent of our hunt is to man- age the wildlife resource of the area to balance the population to the car- tying capacity of the site while pro- viding some recreation opportuni- ties”, says V.C.A. Land Resources Manager Ken Owen. The Orangeville Reservoir is located on Hurontario Street off Buena Vista at the Highway #10 lights in Orangeville. For more information contact the Credit Valley Conservation Authority at (416) 670-1615 or 1- 800-668-5557. Halton Hills This Week, Wednesday, September 16, 1992, Page 17 SOMEONE NEEDS ® YOUR OLD + WINTER COAT! Did you know that someone who needs a coat could be toasty warm this winter because of your generosity! All winter coats will be accepted until Oct. 15/92 by St. Albans Church, 537 Main St., Glen Williams and Barragers Cleaners at their two locations - 166 Guelph St. and 360 Guelph St., Georgetown — to be cleaned free of charge and distributed to someone who needs it! Thank you for your generosity! es PRODUCTS NOW PLOW P Get off to a SEKe Special Iwith our Pres He Sar Laila pean for only $95 vx Ss UMP SERVICE SPECIAL TAXES. IMEYER PARTS. They are top of the line quality products. MILTON TRUCK EQUIPPERS TEL:875-1962 el HALTON HILLS BLUE FINS REGISTRATION MONDAY, SEPTEMBER 21°" AT GEORGETOWN DISTRICT HIGH SCHOOL POOL FROM 6 P.M. - FOR FURTHER INFORMATION CALL 873-1588 7:30 P.M. QO Sunday afternoon ACTON BOWLING LANES NEW LEAGUES FORMING... Bowlers-réequired for... O Monda; fternoon seniors' league Monday afternoon ladies' league Q Monday night mixed league QO Tuesday 6:30 p.m. ladies’ league a Wednesday afternoon ladies’ league O Wednesday night men’s commercial Q Thursday night 9 p.m. mén's league O Friday night 7 and9 p.m. social DON'T FORGET Y.B.C: SATURDAYS OPENINGS FOR PEEWEE - BANTAM - JUNIOR - SENIOR SMURF'S WEDNESDAYS 10 A.M. TO 11 A.M. "Triano Mixed" ACTON BOW 10 Main St. North, Acton NG LANES 853-0470