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Be Cautious with Retirement Plans Your Retirement years can indeed be some of the happiest years of your life. After all, your working days arc behind you. And your RRSP savings, together perhaps with other sources of retirement income, can help you enjoy an active and comfortable lifestyle - doing doing whatever you want to do, whenever you wish. It's a pleasant prospect, but not without the need to make some informed decisions as to how your RRSP savings can best be turned into retirement income. People who arc approaching their 71st birthday have important important decisions to make about their Registered Retirement Savings Plans. While contributions contributions can continue to be made to an RRSP until December 31 of the year someone turns 71, the law states that plan holders must also decide that same year what to do with their funds in their RRSP's. We should all be aware that CLUES ACROSS I. Preclude 5. Balloted 8. Angry 9. Hold tightly 10. Synthetic fiber II. Custom 12. How 15. Squirm 1 17. Steeple 18. Spurn ' 20. Wail 25. Outfit 26. Twilled cotton fabric 27. Dolt 28. Surpass 29. Ventured 30. Beer CLUES DOWN 1. Trick 2. Span 3. Correct 4. Cat 5. Dare 6. Aptitude 7. Indicate 13. Anger 14. Choose 15. Twisted 16. Chop 17. Plotted 18.Invaded 19. One who participates 21. Excursion 22. Dawdle 23. Chew ; 24. Upset Last Week's Solutions ACROSS 1. Impound 5. Vital 7. Whirled 8. Rough 10. Ruby II. Accustom 13. Heeded 14. Rueful 17. Uppercut 19. Idea 21. Enemy 22. Supreme 23. Faded 24. Delayed DOWN 2. Pliable 3. Ugly 4. Deduct 5. Virtuous 6. Trust 7. Warehouse 9. Humiliate 12. Betrayed 15. Fidgety, 16. Cursed lfl. Plead 20. Opal TO-" 1 :! .'.ün:: ,1,, • 33% off installation labour BOOK YOUR WINDOW AND DOOR RENOVATIONS NOW FOR JANUARY TO MARCH INSTALLATION AND WE WILL REDUCE THE INSTALLATION LABOUR COST BY 33%. CHOOSE FROM OUR WIDE RANGE OF FINE PRODUCTS MANY WITH FREE LOW E ARGON UPGRADE. QUALITY CRAFTED IN ONTARIO SINCE 1929 WINDOW AND DOOR CENTRE $ dBDASHW 1200 Phillip Murray Ave. 550 Lansdowne St. W. OSHAWA 436-1344 PETERBOROUGH 745-2223 You'll Love The Comforts of the Homeflame Gas Fireplace Bask in the warmth of the Valor Homcflamc's cozy radiant fire and experience true heating comfort. Valor fireplaces produce more radiant heat per BTU burned than any other gas fireplace. CGA approved as a heater, its high efficiency will help lower your energy costs. ' , The Homeflame can be installed into most existing fireplaces or you can create à fireplace with Valor's exclusive Direct Vent system -- it vents through the wall without a chimney. Either way, you get stylish good looks, superior design, and clean, efficient heating from the Valor Homeflame -- Canada's best selling Gas Fireplace Heater. ralor Homeflame Gas Fireplaces The Answer lb The Burning Question. L. H. Heating & Air Conditioning Larry Hornsby / 263-8154 Canada Pension Plan and Company Company pension plan payments can no longer be transferred directly directly into a RRSP. However, if wc arc receiving a periodic pension from our employers, wc can deposit up to $6,000.00 into a spousal plan in addition to our regular contribution. There arc three ways to close out RRSP's. Withdrawing the funds is one option, but remember the full amount withdrawn is taxable taxable as income for the year in which the money is received. If optfcd hastily and without thought, this option" could devastate devastate hard earned RRSP savings savings regardless of what tax bracket you arc in. One way to shelter your funds from immediate taxation ForYour by Dr. Janice Aluin and Dr. Everett Turner What is in a Pet Food Label? The labels of pet food products contain much useful information. information. They should be required reading for pet owners. Labels Labels explain the how, why and use of specific products. The statement "100% Nutritionally Complete" or "Complete "Complete and Balanced" means the product will supply all nutrients nutrients an animal needs for the purpose intended. No supplementation supplementation is required. Most commercial cat and dog foods are complete and balanced balanced for all phases of the pet's life cycle. Some products arc recommended for only a certain stage of the pet's life cycle (growth, old age) or are recommended on the bases of activity level (high performance foods, lite foods). When choosing a specialty purpose food, you should match it to your pet. For example, high performance foods should not be fed to unexercised unexercised house dogs. The manufacturer may state the product contains all required required nutrients as recommended by The National Research Council. This means that, based upon chemical analyses, all of the nutrients NRC recommends arc contained in the food. Alternatively, Alternatively, the manufacturer may identify the product as being nutritionally adequate as determined by actual feeding trials. Products of Canadian origin bearing the CVMA certification, and American manufactured products wiür AAFCO seal of approval approval have substantiated claims dirough controlled feeding trials. The guaranteed analysis is simply the chemical composition composition of the product. This can be listed on an "as-fed" basis, in which case the amount of water (moisture) in die product is shown. It can be states on a moisture-free basis. To compare the nutrients content of one food to another the moisture content content must be considered. The easiest way to compare products is to do so on a moisture-free basis. Your veterinarian or the manufacturer can tell you how to do this. , . The label often provides guidelines concerning the amount !: of food.tp be fed. This amount is an average amount. Because the .energy, needs' of pets,vary, your pet may need'more or less ; than the average guidelines. The ingredients used to make the product are listed in decreasing decreasing order of inclusion. Any number of ingredients can be mixed to provide the necessary nutrients. Products with a high proportion of meat may be more palatable than grain-based foods. Additionally some pets may have dietary restrictions for medical reasons and owners need to be aware of the ingredients. ingredients. It is wise to consult your veterinarian about feeding your pet. However, reading the label can help you select the right food. Dr. Aluin and Dr. Turner are veterinarians with the Durham Veterinary Clinic. Please address all questions to them in care of The Canadian Statesman P.O. Box 190,62 King St. W., Bowmanville, Ont. L1C 3K9 HOROSCOPES January 12-18 ARIES - March 21/April 20 Sonic links with the past will be severed, severed, but even if you have a sense of regret, it gives you a chance to make the most of new opportunities later in the year. This is a particularly good time for making new friends and expanding your interests. TAURUS - April 21/May 21 Family matters arc likely to tic especially especially important the next few days. It is not necessary to put up with a career or associations that arc no longer rewarding. Gel out as much as possible; new friendships and relationships started now will bios, sont later. GEMINI - May 22/June 21 Try not to get yourself in a muddle over Ibe things you have to do at work, especially if there arc opportunities opportunities to make extra cash, provided you apply yourself. A sudden idea is definitely worth following up. It could make n big difference in your life, CANCER-June 22/July 22 Watch your diet, especially over the weekend. Keep away from rich and fatty foods. A change of routine is needed so you can fit in some extra jobs. Plans to brighten up your home could include new carpels or curtains, curtains, but if you're thinking about any major renovations, get a second opinion about your decorating plans. LEO-July 23/Aug 23 You probably don't realize it, lull you are acting rather selfishly, Someone is trying very hard to attract your attention -- someone that you have badly neglected recently. You could end up the loser if you arc not care? fill. There apiicars to lie an upheaval connected with work; neither arrogance arrogance nor dominance will gain you respect in this situation, so think about your actions, VIRGO- Aug 24/Scpt 22 You'll have a busy and, at times, frustrating weekend, especially if traveling. However, new friendships and Involvements are about to brighten up and may lead to something something more lasting than yon would have imagined. Your overall financial financial picture improves greatly. LIBRA -Sept 23/Oct 23 You are feeling very ambitious, and there is no reason why you shouldn't fulfill your ambitions if you arc self- reliant; what you do for yourself will get very good results, But partnerships partnerships will be of no help -- in fact, llicy could be a liability. SCORPIO-Oct 24/Nov 22 You must look further than your present present social circle for companionship and activity. Money will come your way much more easily this week and you can make good use of investment investment profits. Listen attentively at parties; you can make some beneficial beneficial contacts. SAGITTARIUS - Nov 23/Occ 2t Career-wise you will probably find yourself at a crossroads. You may have to decide between alternative opportunities to add to your status. New acquaintances will add a special special sparkle to the personal side of your life. However, you mustn't neglect your old buddies. . CAPRICORN-Dec 22/Jan 20 Your ideas have not always been well received in the past, but this week could be the start of a successful successful period -- be careful not to rush anything. Health will be good when things get better. Listen attentively to one behind the scenes; adventure and excitement is in the offing. AQUARIUS-Jan 21/Eel) 18 Personal and work matters need a great deal of care and attention to prevent confusion, and you will have to he more patient with plans mid projects, Romance and entertainment entertainment make you happy, but may upset someone close to you. PISCES - Feb 19/Murch 20 An up and down weekend. You are vulnerable and lake refuge behind a cool exterior. Discuss your emotions honestly. You get a Trcsli perspective on money matters, and contacts mnile at social functions pay off around mid-week. On Thursday evening there may be tender moments after a frustrating day. YOUR BIRTHDAY THIS WEEK The next 12 months Positive thinking will bring you more luck than you think it will; don't always ex|iect the worst or you will be forever brooding. Money matters lake a turn for the best, and with a few wise investment plans, your bank account will lie extremely healthy. Don't forget about the people people who have always been there for you. The Canadian Statesman, Bowmanville, Wednesday, Januaiy 8,1992 11 For Your Information is to transfer the RRSP holdings holdings to a Registered Retirement Income Fund, commonly known as a RRIF. It allows us to draw from the fund each year. There are certain minimums minimums that must be withdrawn from age 71-90. The minimums minimums arc basic. For instance, if you arc 71, your first year's minimum payment would be 1/ 19 of the total RRIF holdings. The following year it would be 1/18 of the total holdings, and so on until your ninetieth year in which the funds would be depleted. All major Financial Institutions Institutions offer RRIF's. And, in almost almost all cases, a staff member has been specially trained to assist you in reaching a sound and comfortable decision. Very Little Used Oil Being Recycled by Joanne Macrae How can 70 million litres of used oil just vanish? Yet, according according to estimates by the Canadian Canadian Petroleum Products Institute, Institute, that's what's happening to 90 per cent of the used motor motor oil generated by do-it- yourselfers in this province. Only about 10 per cent is recovered. recovered. The rest is poured on the ground, dumped down the drain, put out with household garbage, or burned. ' This is an "oil gap" of staggering staggering proportions. It's also a terrible waste. Used oil is a valuable resource which can be re-refined. The recycled product product is as good or better than "new oil, says Bob Bishop of Brcslubc, a division of Safcty- Klecn Canada Inc. "Oil docs not wear out during during use, it just gets dirty." says Bishop. Now a solution to the oil gap is on the horizon. The Canadian Canadian Petroleum Products Institute Institute has put forward a proposal proposal which will require retailers of motor oil to collect used oil and send it to a facility for recycling. recycling. Retailers can cither collect the used oil themselves or contract with another party, such as a nearby service station, station, to do it. The plan, which has the support of the petroleum petroleum products industry, retailers and government, will go into effect in 1995. Until then, the only safe way for the do-it-yourselfer to dispose of used oil is to take it to a hazardous waste depot. So far this year, 53 municipalities have received grants from the provincial environment ministry ministry to set up temporary household household hazardous waste depots. The amount of funding is directly directly tied to the amount of waste oil and paint collected for recycling. In addition, there arc 20 permanent depots in southern Ontario - 10 of them in Metro Toronto - where people can take their used oil and other hazardous household wastes. Metro residents who can't get to a depot and who have between between 10 and 50 litres of waste oil can call the Toxics Taxi for pick-up. In the re-refining process, contaminants such as lead, sulphur, sulphur, zinc and phosphorus arc removed to create a base stock oil which is then blended with additives. Contamination has been a problem in the past, says Bishop. Used oil has been tainted with anything from PCBs to paint thinners, making it unfit for re-refining. Bishop advises do-it-yourselfers to' store used oil in clean containers containers and to make sure it isn't mixed with other materials. Another obstacle to widespread widespread oil recycling is the reluctance reluctance of consumers to buy re-refined oil. "It's unfortunate, but there is still resistance to the product," says Jim Ryan, president of the petroleum products division of Canadian Tire. "It's not widely accepted like, say, recycled paper." That situation will probably change in the next few years as the used oil collection program gets underway and as consumers consumers become more convinced of the value of re-refined oil. When buying re-refined motor oil, do-it-yourselfers should look for the API SG/SD label which indicates that the product meets stringent quality requirements. Something else to watch out for is the distinctive distinctive Ecologo symbol. This symbol - three doves intertwined intertwined in the shape of a maple leaf - appears on Home Hard ware's Unival Enviro Plus Oil and Breslubc's Canada's Choice. It's the federal government's government's seal of approval for lubricating lubricating oils containing at least 50 percent recycled oil. Joanne Macrae is a Toronto freelance writer. This article is provided by the Ontario Waste Management Corporation to promote greater awareness of hazardous wastes. TIUJST COMPANY ti.I.C.'S i% 1 YR. 2YR. |3/4 YR.I |5YR. G.I.C. WILLIS FINANCIAL 243 King St. E., Bowmanville Mall 623-6957 85 Kent St. W., Lindsay (705) 324-2572 Rates subject to change flBERN ETHY'S 42nd January Sale Our philosophy is simple ... 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