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For Your Information 3 by Dr. Janice Aluin and Dr. Everett Turner Durham Veterinary Clinic Introducing a New Baby and Pets Many people are concerned about the reaction of their pets when they are having a new baby. The following protocol is not foolproof, but it can certainly help to ease the transition. Before the baby arrives, get the pet used to a schedule that is realistic to continue with an infant present. Get the pet's feeding and walking schedule schedule set so that all the changes don't happen when the baby arrives. Set aside a block of five or ten minutes that you spend totally on the pet's needs. Use this time to play with and pamper your pet. Remember to be realistic realistic and don't feel guilty. A block of time devoted completely to the pet is probably more than you give your pet INSIGHT SMALL BUSINESS A Weekly Feature for Entrepreneurs Borrowed Money What are demand loans, and how do they differ from term loans? The provision of money is divided into two categories: "ownership money" money" and "borrowed money." Ownership money is equity financing financing together with the reinvestment of profits generated by the business. Sometimes called "debt financing", financing", borrowed money is the most common kind of financing. Operating loans or demand loans, are advanced on a revolving or fluctuating fluctuating credit basis subject to annual review. review. These loans are usually granted for general operating purposes and arc useful when there arc normal, recurring recurring or temporary financial requirements. requirements. ■ A retailer who requires a seasonal inventory of air conditioners is an example example of someone who could apply for a demand loan since his need is temporary or seasonal. In the case of clothing retailer, there arc generally at least four distinct seasonal build-up periods each year, as well as specific high-volume periods within a season, such as Christmas sales. This example of seasonal inventory inventory build-up shows that operating or demand loans arc usually self liquidating. liquidating. If a demand loan is used to grant credit during a peak selling season, the loan will be repaid when the invoices invoices are paid and the accounts receivable receivable arc reduced to a normal level. Another characteristic of an operating operating loan, aside from the fact that it is usually secured, is that the interest rate at the time of signing may be lower lower than a term loan. The repayment of the loan can be demanded at any time by the lender, but usually this only occurs when payments payments are in arrears, or when there is a serious deterioration in the affairs of the business. at one time, even now. If you have a dog, start instituting a leash walking schedule that you can maintain. If you have difficulty walking walking or controlling your dog on a leash, work hard now to gain control. Before the baby arrives, allow the pet to explore the area where the baby will sleep or be changed. Let the pet become used to the new smells, but do not allow the pet to sleep in or on any of the baby's furniture. When the baby is bom, have your spouse bring home some used articles of the baby's. Allow the pet to sniff these and keep them around the house. When the baby comes homes, one adult should hold the infant and the other gain control of the animals. Dogs that jump may need to be put in another room until the baby is settled. Once the initial excitement has died down, the animals should be allowed in to sniff and explore, but control must be maintained if any signs of aggression aggression are seen. Never hold out or dangle the baby in front of the pet. If a cat or dog appears aggressive, remove them from the room until they have calmed down. Then try to introduce them again. When only one spouse is home with the infant during the first few weeks, the pets may need to be confined confined or restrained while the baby is being tended to. If the pets have accepted accepted the baby with no problems, they can be allowed free access to the baby after about three weeks. Close observation is always necessary, however. however. A pet should never be allowed to sleep with or in the room of an unattended unattended infant. Use a baby monitor and keep the door closed. Infants cannot push a pet of any size off them and the pet could accidentally smother the baby. Most pets adapt well, but serious problems can and do occur. If you have any doubts or questions, please contact the staff at your pet's veterinary veterinary clinic. Section Two The Canadian Statesman, Bowmanville, Wednesday, September 23,1992 5 CLUES ACROSS CLUES DOWN 1. Fence in 2. Right 5. Foolishness 3. Comply 7. Faultless 4. Complote 8. Boredom 5. Often 10. Rind * 6. Midday meal 11. Cringed 7. Impossible wish 13. LoaLhe 9. Angty 14. Finale 12. Prank 17. Forceful 15. Place alone 19. Stupor 16. Straight 21. Craze 18. Uncontrollable fear 22. Take out 23. Mother's brother 24. Harass 20. Celebrity Last Week's Solutions ACROSS l.Wail 3.Pop 5.Real 7,Following 9.Lark lO.Tmt 11.Start 14. Haste 15. Hitch 17. Value 18. Surge 19. Messy 20. Rhyme 23. Rita 25. Sure 27. Eliminate 28. Echo 29. Day 30. Mist DOWN l.Well 2. Look 3. Pilot 4. Power 5. Rant 6. Lift 7. Frustrate 8. Grotesque 11. Sever 12. Allay 13. Theme 14. Has 16. Hay 21. Humid 22. Money 23. Rare 24. Also 25. Stem 26. Emit HOROSCOPES Sept 27-Oct 3 ARIES - March 21/April 20 A complex week for both travel plans and domestic issues. Financial matters may create disputes. Be prepared prepared for minor upsets, as you may have to alter arrangements at short notice. Some "give and take" is going to be essential in all relationships, relationships, especially romance. TAURUS - April 21/May 21 Although you're a homebody at heart, your partner may not be as inclined to stay home as you arc. Be daring and try something new. A little little excitement is probably just what the doctor ordered for the health and happiness of your relationship. GEMINI - May 22/June 21 Let others have their say and even allow them to make most decisions, especially when related to joint finances and obligations this week. A business proposition may come your way, around mid-week. Be extra carefuL.on the surface it might look "just right," but there could be hidden flaws. CANCER - June 22/July 22 The week will start off fairly quietly, but the pace will pick up as the week progresses. If that raise or promotion still hasn't come through, remember, delay doesn't necessarily mean defeat. Keep your eyes open for news from abroad; an old friend may be trying to contact you. LEO - July 23/August 23 Get all important matters out of the way before you start any new projects, projects, and be sure to pay close attention attention to those little details that you hate so much. Try not to spread yourself too thin or you may become seriously run down. Remember, you can't make everyone happy. Set your priorities straight. VIRGO-Aug 24/Sept 22 This weekend you may become somewhat apprehensive about at least one particular relationship or involvement. You may be put in the middle of an argument between two close friends. The noble art of diplomacy diplomacy will come in really handy! Financial gains arc on the way. LIBRA-Sept 23/Oct 23 A close friend will come to you for advice. Before giving any answers, make sure you think the problem through first. Hearing the pros and cons from a Libra can be quite exasperating exasperating to someone who is confused. confused. Any well-thought-out advice from you could have a positive effect on a friend in need. A time of celebration is coming near. SCORPIO-Oct 24/Nov 22 Wherever you happen to be this weekend, events and developments will open up new avenues and opportunities for you! However, you must first ensure that terms settled settled arc binding and that you are not being pressured into making any hasty decisions. SAGITTARIUS -Nov 2VDec 21 Joint financial arrangements need to be viewed with a considerable amount of caution throughout most of this week. You will come across an clement of surprise in most everything you do the next few days. Try to get extra rest and involve yourself in pleasurable activities. CAPRICORN - Dec 22/Jan 20 Circumstances beyond your control may force you to change direction at work. Although you may not be too happy about this at first, it could turn out to be a very positive career move for you. Romance seems very promising, and will happen when you least expect it! You will be influenced by a mysterious Aries of the opposite sex. AQUARIUS -Jan 21/Feb 18 By now you're totally fed up with the daily grind and the humdrum lifestyle of working in an office. You need a change. But before you make any moves, be sure you have a well- thought-out plan. Keep in mind that your creative talents don't have to be just for fun -- they could bring you a profit, too. Do some research; you could be pleasantly surprised. PISCES-Feb 19/March 20 It is very important that you keep your emotions in check this week and not allow affairs of the heart to influence important practical decisions. decisions. Don't "think out loud" in front of sensitive friends that you want to keep. You could seriously offend someone by saying the wrong thing. The worst part is, you'll only realize it when it's too late. YOUR BIRTHDAY THIS WEEK The next 12 months: As your birthday represents another year you've been here on Earth, you may find yourself doing some serious serious thinking (as Librans always do). Thoughts of where you're going and what it all means may be plaguing you now, but many of your questions will be answered this year. You will become involved in something very important and meaningful, and you will devote a lot of time to your new-found cause. Another Libra will become an important ally. CREDIT UNION HOSTS FOOD DRIVE - Duca Community Credit Union at 136 King St. E., Bowmanville, will be repeating last year's successful Thanksgiving Food Drive. Non perishable food items may be dropped off at the Credit Union at the above address. All items will be distributed locally by the Salvation Army. Your help would be greatly appreciated. GENERAL MEETING FOR DIABETES ASSOC. - The Durham Diabetes Association and the Charles H. Best Diabetes Centre will hold a general meeting on Wednesday, October 7, at 7:30 p.m. in the St. Gregory's Auditorium, Oshawa. The topic will be "How to start and stay with your diabetes management plan. An open discussion will follow. There will also be displays by some major diabetic supply companies. All members of the public,are welcome... ECONOMIST ADDRESSES LOCAL MANUFACTURERS - Dr. Lloyd Atkinson, Executive Vice President and Chief Economist for the Bank of Montreal, will be speaking at an upcoming meeting of the Durham Region Manufacturers' Association breakfast. This will be a breakfast meeting meeting which takes place in the Oshawa Holiday Inn at 7:30 a.m. BIG BROTHERS HOST INFORMATION MEETING - Twelve boys in the Town of Newcastle are currently on a waiting list for a Big Brother. Perhaps one of those Big Brothers could be you. If you want to find out more about the Big Brother program, there will be an Information Evening on Wednesday, September 30. It takes place in the Big Brothers office, 133 Church St., Bowmanville. The time is 7:30 p.m. This is your opportunity to discover what being a Big Brother is all about. HOURS: Saturday, Sunday and Holidays - 9:30 a.m. to 5:00 p.m. ALSO BY APPOINTMENT OR BY CHANCE (416) 983-9091 6179 Andrews Rd. 4.8 km. east of Hwy. 115/35 R.R. 1, Kendal, Ont. LOA 1E0 on Clarke 6th Cone. (416) 983-5115 HAMILTONS INSURANCE SERVICE MAIN STREET, ORONO, ONTARIO LOB 1M0 FAX (416) 983-8228 LIBERALS HOLD SEMINAR -- The bi-monthly seminar of the Durham Federal Liberal Association will be held on Monday, Sept. 28, in the library of the Port Perry High School. The topic is "Aboriginal and Native People's Issues." Everyone is welcome to attend this meeting, which begins at 8 p.m. ST JOHN AMBULANCE TRAINING - St. John Ambulance is offering several courses in late September and October. All of them take place here in Bowmanville at the St. John Ambulance headquarters on 11 Lambert St. On September 26, there will be a course in babysitting offered from nine a.m. to 4 p.m. It's followed by an all-day session (9 a.m. to 4 p.m.) on Child and Infant CPR October 3. Standard First Aid courses will be taught October October 19, 21, 26, and 28th between the hours of six p.m. and 10 p.m. CPR (Level C) will be taught October, 14, 15, and 16th between 6:30 p.m. and 9:30 p.m. St. John Ambulance members hold their regular meetings at 11 Lambert St. every Tuesday, from 7 p.m. to 9 p.m. On September 29, the topic will be a review of cardiopulmonary resuscitation. For further information, information, please call 697-1825. BARBEQUE RAISES FUNDS FOR COURTICE COMPLEX - The fund-raising committee for the new Courtice Community Complex is holding holding a barbeque on Sunday, September 27. It runs from 1 p.m. to 6 p.m. The site of the barbeque is on Courtice Rd., just' south of Pebblestone Golf Course. For more details, call 434-4699. Everyone is welcome! WEAVERS AND SPINNERS - The Oshawa Hand Weavers and Spinners hold this month's meeting at 7 p.m. on September 28 in the, Oshawa Seniors' Seniors' Centre, 43 John St. W. The group plans to choose its theme for this year at the meeting. Come out and share your ideas, New members are also welcome. For further details, call Marianne Powell at 263-2762. FATHERHOOD - The Durham House Child and Family Centre will offer an eight-session discussion group for men starting October 6. The program is called "Fathers in Transition" and it is designed for men who are expecting expecting the birth of a child or already have a child at home. The group will meet at the Ministry of Revenue Building, 33 King St. W., Oshawa, from 7 p.m. to 9 p.m. To register, call the Durham House Child and Family Centre at 579-2021 or 686-4353. NEWTONVILLE PLAY GROUP -- An organization known as the New- tonville Play Group is beginning its activities today, September 23. The play group's activities run from 9:30 a.m. to 11 a.m. in the Newtonville United Church. Pre-schoolers and parents are welcome. For more details, please call 786-2232. BIRDER SPEAKS AT LIBRARY - Brian Henshaw, co-editor and publisher publisher of the Birders' Journal and the Durham Region annual bird report, will be visiting the Bowmanville Library tomorrow night. Mr. Henshaw will be presenting a slide show and discussion at 7 p.m. on September 24. Registration is required. If you wish to register or receive more information, call 623-7322. TAXES DUE FRIDAY -- The Town of Newcastle wishes to remind everyone everyone that the second installment of the final realty and business taxes is due on September 25. Any inquiries should be directed to the Tax Department at PORT DARLINGTON COMMUNITY ASSOC. MEETS - The next meeting of the Port Darlington Community Association will be held Monday, Monday, September 28, at 8 p.m. at the Port Darlington Marina Hotel. The guest speaker will be Gordon Geissberger, from the Central Lake Ontario Conservation Conservation Authority (CLOCA). He'll talk about CLOCA's present program and future plans in the Port Darlington area and beyond. BAHA'I COMMUNITY HOLDS MEETING - On Thursday, September 24, the Baha'i Community of the Town of Newcastle will host a presentation presentation by Helen Gardner entitled "Baha'u'llah and the New World Order." Helen Gardner has just returned from Eastern Europe where she taught in Slovenia. The meeting is in Court Room Number Two (above the Bowmanville Bowmanville Fire Hall on Church St,) It bcgins'at 7:30 p.m. For additional information, information, please call 623-2936. REFORM PARTY NOMINATES FEDERAL CANDIDATE - The Reform Party of Canada's Victoria-Haliburton Riding Association Association will host a nomination meeting on Monday, September 28. It will be held in the Victoria Armories, 210 Kent St. W., Lindsay. This meeting will decide the candidate who will represent the Reform Party Party in Victoria-Haliburton during the next federal election. The meeting meeting commences at 8 p.m., with registration of voting members beginning beginning at 6:45. 434-9428 landscape design and maintenance 623-9711 BRINK'S EXCAVATING 688 Regional Rd. 17, Newcastle L1B1L9 • Trenching • Gravel and Top Soil • Grading and Levelling • Septic Installations • Back Filling • General Excavating • Dump Truck Service (416)987-4995 Patrick G. Deegan r L & K VACUUM SALES & SERVICE Zpxidi^ %: SERVICE TO ALL MAKES & MODELS ■ FREE ESTIMATES ON ALL REPAIRS SALES & SERVICE TO CENTRAL VACUUMS PICK-UP & DELIVERY SERVICE TO DURHAM REGION . PRINCESS VACUUMS BY HMI (FILTER QUEEN) . SALES OF USED 6 RECONDITIONED VACUUMS cf) o' cc OLIVE z o 3 ■ ■ 3 365 WILSON RD. S. 433-1516 Saturday October 3,1992 -10 a.m. CLEARANCE AUCTION MANETTA'S NURSERY TREES and SHRUBS At Pontypool (705) 277-2715 Orval McLean Auctions (705) 324-2783 623-3379. CAMP SAMAC ART SHOW - Many local artists are among the exhibitors exhibitors at the Oshawa Art Association's Art Festival being held at Camp Sa- mac next week. Dates for the festival are from nine a.m. to nine p.m. Friday and Saturday, September 25 and 26 and from 9 a.m. to 6 p.m. on Sunday, September 27. The show takes place at the Camp Samac Main Council Hall. Homemade refreshments will be sold by the Enfield United Church Women, Admission is free. LEGION WEEK -- We're now at the midway point of Legion Week. Several events still remain, including one which takes place this evening (Wednesday, Sept, 23) It's a bingo at 7:30 p.m. in the Upstairs Hall; Friday, September 25, there is a meat roll in the Club Room at 8 p.m. The week concludes with a dance featuring the 50's and 50's sounds of the Mcllo Tones at 9 p.m. on Saturday, September 26. IN, 987-2250 TOUCH Back To School! Are you worried about your child coming home to an empty house while you're at work? In-Touch will telephone and talk to your child every day after school to make sure everything Is alright. •PATRICIA GORMAN* 2625 BELLWOOD DRIVE RR//8 BOX #66 NEWCASTLE, ONTARIO, L1B1L9 DENTURE THERAPY CLINIC 5 GEORGE STREET BOWMANVILLE 623-4473 or 623-6477 SOME EVENING APPOINTMENTS AVAILABLE Quality Body Work Quality Painting FREE ESTIMATES ON BOTH INSURANCE AND NON-INSURANCE WORK Open 5 Days a Week Monday through Friday COWAN PONTIAC - BUICK LTD. BOWMANVILLE -- ONT 166 King Street East Telephone 623-3396