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

I Al Isabelle Ghallice - Quote - "We are better able to study our neighbours than ourselves, and their actions than our own" - Aristotle. Our community was shocked and saddened to hear of the passing of Mrs. Thelma Gilbank, a long time resident, who passed away Wednesday Wednesday afternoon, February 2, 1994. A very active member of our community community right up to early December, Thelma's Thelma's health deteriorated rapidly. Her funeral was very largely attended attended Saturday, February 5 from her beloved Orono United Church, Reverend Reverend Mcrvyn Russell officiated, and special music by her granddaughter Delphine Nagarajan, and solos by Ross Metcalf. Mr. and Mrs. Bill Tamblyn attended attended their son David's graduation from a two year Agriculture course, from Guelph University, Friday, February 4. Mrs. Bertha White, Mrs. Marjorie Lowery, and Mrs. Betty Major all recently recently visited former Orono members, members, Mr. and Mrs. Len Pears, Peterborough, Peterborough, and report Len is recuperating from recent surgery. Congratulations to our oldest granddaughter, Mrs. Nancy Heck- bert, who recently received a $300.00, three hundred dollar Bursary Bursary from Durham College. The ladies of Orono U.C.W. catered catered to the very large crowd of family, family, friends and neighbours who attended attended the reception for the late Mrs. Thelma Gilbank, Saturday afternoon. A very belated happy birthday to Mrs. Leila Worry, who celebrated her 80th year, on Thursday, February 3, a lovely decorated cake in her honor, at the annual United Church meeting and dinner, last Thursday. Mr. and Mrs. Donald Staples have arrived home, after holidaying in sunny sunny south, where Don joined other members of "Country Four Quartet" in singing in a Florida Church! Town Hall Card Party Fourteen tables of progressive euchre euchre at the weekly card party, held „ Wednesday 2, 1994, held in Town J hall. Following results High - Aleck j Moffat 92, Hazel Pigott 90, John i Scott 87, Jean Jillisen and George c Mercer tied at 77. y Low score - Tom Simpson. ' Seven lucky draws - Sharon Casey, Casey, Marg Todd, Tom Wilson, Gladys Gladys Greenwood, Marion Staples, Al- ! bert Pearce, Eva Smith. Euchre every Wednesday night. Lunch provided. Orono United Church News Annual Reports A smaller than usual crowd attended attended the annual pot luck dinner and meeting, on Thursday night, February February 3 in downstairs main hall. Reverend Reverend Russell gave blessing before everyone everyone sat down to a delicious dinner. Bill Tamblyn, as chairman and Dorothy Barnett as secretary presided at the business meeting. Printed forms were handed out of all reports for year 1993. A vote of thanks to our church treasurer and his wife for their excellent, computerized financial reports, A vote of thanks to the family of the late Mrs. Ruth Yeo (Bruce) for kind donation of sum of money, from "In Mcmorium" fund, to be used for future "Youth Programme Programme "Logos", already in planning stages. Videos on the programme shown to audience. Reverend Russell brought in completed completed executives for offices for 1994. A vote of thanks to Reverend and Mrs. Russell for their splendid participation participation in our community. The auditors of Edward Millson and Joyce Gray were reinstated for 1994, and given a round of applause for their splendid work. Church News The beautiful baskets of flowers in loving memory of the late Mrs. Thelma Gilbank and placed by her family in front of church. Scripture readings given by Mrs. Olive Millson and children's story by Reverend Russell. UCW - Those wishing 6:00 p.m. dinner tickets ($10.00) for the Oshawa Presbytcrial Annual UCW meeting on Tuesday February 22nd, at St. Paul's United Church, Bow- manville, please call Doreen Wood (983-5937) before February 15th. Afternoon Afternoon session 2-5:30 p.m. Dinner at 6:00. Evening session 7:00 - 9:00 p.m. All women of the congregation are invited to attènd. Pancakes! Pancakes! Pancakes! They will be served at Orono United Church, Main Hall on Shrove Tuesday, February 15th starting at 5:30 p.m. Tickets at the door. Family $8.00, Double $5.00, Single $3.00. Mothers and Tots Playgroups. - Orono play group meets Mondays to . Fridays, 9:30 a.m. Upper C.E. Hall. Kirby - The Mothers and Tots playgroup meet on Fridays, 9:30 -11 a.m. Any mothers and their pre-school children are invited to join these groups. Birthday Greetings to: Sheiley Jean Luxton February 6, June Heard February 7, Dillion Empey February 7, Dorothy Barnett February 12. "Bring a Friend" Sunday, February 13. Children are invited to bring their friends on Sunday, February 13 to Orono United Church Sunday School's Friend Day! Parents are invited to join in church services at 11 a.m. or to come for a time of fellowship and lunch afterwards. afterwards. The Sunday School Teachers Teachers will bring sandwiches. If you are planning to attend, we would appreciate it if you could bring squares or cookies. " Trip to Mr. Downes' Farm The Sunday School will be going to Mr. Downes' Farm in Kendal for a sleigh ride on February 20th. (rain date March 6th). We will be leaving promptly at 10:30 a.m. and returning around 12:00 noon. The cost will be $2.00 per child/adult or family rate of $5.00. (3 or more children). This is to help the cost to the Sunday School. We will be going by bus. Installation of new members for NOTICE- Canguard Tax Service 15 Fourth Street - Bowmanville ... continuing to provide you with the same excellent service. Personal Tax Preparation Marg Lingard Marg Conway Bill Cancilla 623-4217 623-1656 434-8087 Bowmanville Bowmanville Oshawa Session and Bd. of Stewards, presented presented by Marie Tamblyn for session, and Donald Lycctt for Bd. of Stewards. Stewards. Reverend Russell followed with prayer of welcome. Sympathy of entire community to family of late Mrs. Thelma Gilbank To sons, David and Bill and families, both Pontypool, daughters Anne and family, Connellsville Pens. U.S.A., Carol and family Markham, Donna and family, Frankford Ontario. Many beautiful floral tributes in her memory memory and many donations to Orono United Church. U.C.W. News The U.C.W. members of unit No. 1, held their monthly meeting Wednesday, February 2, in upper C.E. hall. Committee in charge, Inez Harris, Ann Evans, and Mary Berry and overall theme "Love." Dorothy Robinson gave the executive executive report. February Presbytcrial February Tuesday 22 Annual meeting, meeting, "World Day of Prayer," March 4, in St. Saviour's Church. Milk Producers Producers banquet, February 24, at noon; Co-op banquet, March 29, for 100- 150. Laura Lynn Plummers wedding June 25, with reception in arena. Treasurer's report given by Inez Harris, and "Happy Birthday" sung to Dorothy Barnett. We were happy to have Beulah Richards as our guest and she will be happy to have your orders for greeting cards. Mary Berry gave "Minutes for Mission." Anne gave scripture readings 1st John, Chapter 4. Mary Berry gave reading "Valentines" "Valentines" and Inez gave reading "The Unity of Love" and led in prayer. Hymn "Love Divine" was sung with Dorothy Robinson at piano. Meeting closed with lunch. Guests over the weekend with Lawrence and Glenda Sherwin, Mrs. Kim Cardno, Barrie, Walter and Jessica Jessica Sherwin, Oshawa, all enjoyed an early birthday party for Glenda! Mr. and Mrs. Arthur McQuade, Peterborough, were last Wednesday dinner guests of Mr. and Mrs. Lawrence Lawrence Staples. Mrs. Denise Warren and friend Heather were Thursday morning visitors visitors with her parents, the O. Challic- es. Mr. and Mrs. Lloyd Cain, Bethany, Bethany, were recent visitors with the "Lawrence Staples". This is one reader who really en- joys the column in Orono Times, "Facts of Nature" by Bill Bunting. And after all who else can write with such authority? Keep up the good work Bill. Clarington Business Groups Welcomes Newcomers To Its Feb. 15th Meeting The Clarington Business Group is a group dedicated to promoting local business. The monthly breakfast meetings are informal and are used to encourage encourage networking and sharing of ideas amongst businesses and entrepreneurs entrepreneurs in the area. Meetings arc held at 7:30 a.m. on the third Tuesday of every month. We would like to expand the group, and anybody who wishes to come out will be welcome. The next meeting will be held on Tuesday, February 15, from 7:30 a.m. to 9:00 a.m. at the Hying Dutchman Dutchman Hotel in Bowmanville. The cost, including a light breakfast, breakfast, is $8 per person. The speaker this month is Andrew Grant of Mackenzie Financial Corporation. Corporation. Mr. Grant will be sharing Mackenzie's view of the economy and the financial markets. Mackenzie is one of Canada's biggest and most respected money managers with over 12 billion dollars in assets under their administration. For further information or to reserve, reserve, please call Adrian Foster 404- 1693, or Bonnie Cunningham, at 623-0677. You'll love our Prices W BEHMEN TIRES Your Best Deal in Tires in the Durham Region FREE ■ Installation • Valve Stem ■ Alignment Check • Wheel Balance • Tire Disposal 4 YEAR Road Hazard ^ , Protection!, B.F. Goodrich Lifesaver GT4 All Season Steel 155x801113 $44.00 175x801113 $54.00 185,80111 1 $56.00 185,75111 I $58.00 195x75111 I $60.00 UNROYAL TIRES 205x75R14 205x751115 215x75 R15 225x751115 235x751115 175x701113 185x701113 185x701111 195x70111-1 $63.00 $66.00 $70.00 $74.00 $79.00 $58.00 $63.00 $69.00 $75.00 mil BFCoodrich Michelin LTX M.S. I'205x751115 $95.00 I '235x75111 15 $125.00 I'205x75111-1 $90.00 I I 295x85ll1G $140.00 I I 2 15.75111 G $155.00 317 Hopkins Street Whitby Kl NIDI IDES f'Because So Much Is Riding on Your Tires w Warron Rd. Consumers Dr. Alignment Special 4 Wheel Alignment *49.95 2 Wheel Alignment *39.95 Section Two The Canadian Statesman, Bowmanville, Wednesday, February 9,1994 7 ce Helpful Advice on Choosing The RRSP That Suits You Many investors recognize the immediate immediate tax benefits of contributing regularly to their RRSP. However, they often give less thought to how their RRSP is growing. With a little» knowledge, you can help to make a big difference to the amount of cash i you accumulate in your plan - and to' the quality of your retirement lifestyle. lifestyle. In fact, just an increase by a single percentage point in the average rate of return on your RRSP investments could increase your retirement income income quite significantly. And that could apply for a lot of nice extras when your retire. Improving RRSP Performance So how do you help increase the average rate of return of your RRSP investment? Start by looking at the investments you now hold inside your RRSP. Like many people, you may select the same types of RRSP investments ever year - without considering considering all the options available to you. For example, your RRSP portfolio may consist almost entirely of one- year investment certificates. A good choice? Certainly these provide a high level of security and a respectable respectable interest-rate return. But you could probably do better. One way is to diversify your holdings holdings to include certificates with a wide range of maturity dates - say, from six months to five years. Then, if interest rates decline in the future, your longer term certificates arc locked into a higher rate. But if rates go up, your shorter term certificates will probably mature, quickly enough so that you'll still be able to capitalize on the higher rate. Mutual Funds As An RRSP Option History shows us that, at any given given time, some investments will do better than others. In the mid- eighties, fixed term investment certificates certificates performed better than some of the mutual fund RRSP options. Yet in the past few yeas, the opposite was true. And that's why it may make sense for you to consider including mutual funds in your RRSP plan. But with so many types of mutual funds available for your RRSP, how do you choose among them? Often the choice comes down to how much risk you are prepared to tolerate and how close you are to your retirement. Weighing Risk Against Return If you are several years away from retirement, you may want to assume some risk in order to attempt to realize realize longer term growth. In this case, you could consider investing some of your RRSP dollars in an equity based mutual fund. Or, you may be closer to retirement retirement and concerned with having a secure secure income. Under these circumstances, circumstances, you may want to invest in a fund with security, such as a mortgage mortgage or bond fund. And if you're an experienced investor investor with a larger portfolio, a self- directed RRSP can provide you with the widest possible selection of investment investment options, including interest bearing certificates, investment funds, plus a wide variety of publicly traded Canadian stocks and bonds. You can even invest in your own mortgage! So take a look at your RRSP portfolio. portfolio. See if you're taking full advantage advantage of all the investment options available to you. Chances are you'll find that, by increasing the diversification diversification of the investment in your RRSP, your prospects for a richer retirement retirement may also increase. Courtesy of , John Jones Manager, Bank of Montreal Bowmanville. Reason #9 for not planning your retirement fifi I KINDA PLANNED ON WINNING THE 55 Do you have a reason? We'd love to hear it. Plus, you can pick up a free RRSP Planning Guide. John A. Jones, Branch Manager Bank of Montreal 2 King Street West Bowmanville (905) 623-4466 ûû Bank of Montreal We're Paying Attention 666-2121 Are You TOPPING UP YOUR RRSP?? or Looking At Improving Your Investment or Retirement Portfolio THEN CALL: REGAL CAPITAL PLANNERS LTD. Canada's Largest "Independent" Financial Planning Organization. For 25 years. Now serving the Municipality of Clarington Whether your goals be "Safety", "Asset Allocation", "Income" or "Growth" let us design a plan using the "Best Money Managers in the Business" to help you achieve Your Goals. - RRSP's - RESP's - RRIF's - LIFs - ANNUITIES and More These are just a sample of some of the professionals you may want to have working for you. FUND NAME 1 YR. 5 YRS. Cambridge Growth Fund 61.7% 16.3% Dynamic Canadian Growth 100.1% 24.7% Trimark Canadian 37.9% 13% C.l. Pacific Fund 91.7% 19.5% Templeton Growth Fund Ltd. 36.3% 16.5% 20/20 World Fund 44.4% 12.2% All figures taken from Financial Times 16-1-94 "For a Free Consultation in your house or my office call" -* z Stephen G. Scatterty Financial Planner BOWMANVILLE OFFICE 103 Rhonda Blvd. 1-905-623-1936 LINDSAY OFFICE 1-705-324-0888