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Page 14 The Canadian Statesman, Bowmanville, March 26, 1997 Section Two Generations vka*,i Nanny and Companion Service 214 King St. East __Tel: (905) 623-4439 Bowmanville Providing caregivers for elderly and nannies for children, in your home. Serving Bowmanville, Oshawa, Whitby and surrounding areas. Full-time, part-time, casual, live-in or live-out, long and short term. Providing help with • Personal Care • Housekeeping / Laundry • Meal Preparation • Errands / Appointments / Shopping 905-623-4439 ©j.p. Northcutt Elliott Funeral Home Thoughtful & Personalized Funeral Services Let Us help you through this difficult time. • BURIALS & CREMATIONS • ACCOMMODATING ALL BUDGETS At quiet times along with their own private thoughts, many people both young and elderly are making the sensible decision to pre-arrange their funeral. Their wishes are made known well before time of need, removing stress from surviving relatives. Call or write for our selection of brochures on the various aspects of funerals, pre-planning and guaranteed pre-arrangements. How to Avoid Being Conned What's a con game? Most of the time it's a setup. Swindlers prey on people who have a tidy sum to invest. Or a little cash in a savings account. They trick people into handing over their cash and then leave them flat. So it's called a con game. Most of the time, the swindlers win. You know how? Because they cheat - swindlers know the rules of the game. You don't. . Well, why not turn the tables? Below are some common fraudulent situations that often lure people into being conned. Becoming aware of such situations can help you avoid being conned. • Somebody offers you something for nothing or at a surpis- ingly low price. • A stranger asks you about your personal finances. • You are asked to pay large sums in cash. • A stranger asks you to withdraw your bank savings in cash. Many situations are not quite as simple as these. Swindlers come in many disguises and they're creative. Charity fraud is very common. The swindler takes advantage advantage of people's goodwill and takes their cash - money that was meant for people in need. Then, when legitimate charities ask for donations, those who have been conned may be reluctant to give again for fear of being taken for granted. You can make sure that any money you give gets into the right hands. Remember these pointers when somebody asks you for a donation: • Ask for identification - the organization, the solicitor. Find out what the purpose of the charity is and how funds are used. Ask if contributions are tax deductible. If you're not •satisfied with the answers - don't give. • Give to charities that you know. Check out the ones you've never heard of before, or others whose names ares similar to a well-known charity. charity. • Don't fall for high-pressure high-pressure tactics. If solicitors won't take "no" for an answer, give it to them anyway - but don't give them your money. • Be suspicious of charities that only accept cash. And always send a cheque made out to the organization, not to an individual. • If a soliticitor reaches you by telephone, offer to mail your donation. Shady solicitors usually want to collect quickly. '152 Years of Service to our Community Call (905) 623-5668 53 Division Street North, Bowmanville, Ontario L1C 2Z8 @JP - Can Arthritis be Cured? Early Diagnosis is Key to Treatment There is no cure for most forms of arthritis, yet. However, medical advances can prevent or delay severe crippling in many cases. The key is early diagnosis and a treatment plan tailored to the needs of each individual. Most treatment programs include a combination of rest, medication and exercise. The symptoms of arthritis are: • Swelling in one or more joints; • Early morning stiffness; • Recurring pain or tenderness tenderness in any joint; • Inability to move a joint normally; • Obvious redness and warmth in a joint; • Unexplained weight loss, fever, or weakness combined with joint pain; and • Symptoms such as these lasting for more than two weeks. ■ Travel with the "Group Experts" at "L Goliger's Travel when making your travel arrangements this year! We have tours from one day to three weeks so we're sure you will find one to suit your interests and budget. Long Duration Tours: June '97 - 500th Anniversary of Newfoundland Tour July '97 - Germany, Prague and Vienna Musical Tour Sept. '97 - Branson, Missouri Tour Sept. '97 - Mediterranean "Dream Cruise" Feb.-'98 - Caribbean "Dream Cruise" Short Duration and Day Tours April 19 - Vince Gill in Concert April 19 - Stars on Ice April 30 - Joseph & His Dreamcoat ! May 6 - 8 - Niagara Casino Getaway May 11 - Ragtime for "Mother's Day" June/July - Numerous Ontario "Day Cruises" Aug. I - 3 - Blue Jays Weekend in Detroit Please call or visit us at: Goliger's Travel 243 King St. East (in the Bowmanville Mall) Bowmanville 623-1511 biiB Dollar$ & Sense with Deborah Kohlsmith Financial Consultant The Golden Years: What retirement should be... but will you outlive your money? You have worked hard all your life establishing and developing a career, raising a family and now it's time to RETIRE. It has taken you many years to accumulate your retirement "nest egg". How long will it last? Life expectancy has greatly improved over the years - the experts say you may be retired now for as long as you worked. In order for your savings to last that long your savings or investment portfolio must be well-balanced. It is important that your portfolio be positioned in cash, equities and fixed-income securities. It is absolutely necessary you have growth within your portfolio to keep ahead of inflation, especially in these low interest economic times. Interest bearing investments such as Guaranteed Investment Certificates (G.I.C.s) are significantly affected by low interest rates, as you can see by the low rates of return your G.I.C.s are currently earning. Also remember any interest earned on your G.I.C. is 100% taxable at your marginal tax rate. Other investments, such as mutual funds - whose share prices fluctuate daily - earn a combination of either interest income, capital gains and/or dividends. Both capital gains and dividend income are tax preferred, meaning these types of income are taxed at a lower rate. For example, if you earn capital gains income you are required to claim only 75% of that gain. If you are retired and concerned about outliving your money take a proactive step and contact an independent financial consultant such as myself. You will reap the rewards of independent advice and recommendations based on your own personal financial situation. Schedule your appointment today for a FREE CONSULTATION to ensure you can enjoy your "Golden Years" and not outlive your money! REGAL CAPITAL PLANNERS LTD. ▲TRIMARK" MUTUAL FUNDS We Manage. To Outperform, 24 King St. £., Bowmanville, Ont. L1C 1N2 (905) 623-1936 or 1-800-668-9626