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1 ( Page 10 The Canadian Statesman, Bowmanville, December 3, 1997 Christmas Treats for SAAN Shoppers SAAN Store Manager Jim Gouin offers shopper Lorraine Vanalstync a piece of ,Christmas cake on Friday night, Nov. 28, during "SAANla's 4-day pre-Christmas Blowout" at the Bowmanville Mall. Lots of shoppers look in the specials that focused on Christmas tree trimmings and other decorations for the home. Bowmanville Toastmasters Bowmanville Toastmasters enjoyed a high spirited meeting on November 25, 1997. Chairman Toastmaster Marilynn Dow and members members of the head table exemplified her theme "preparation" in the presentation presentation of their various programs. Toastmasters provides a diversity of learning materials, materials, giving members the opportunity to practise for life experiences. The presentation this evening was an example of that. Speaking from The Advanced Manual, Communicating On Television, Toastmaster Denise Marek as host and Toastmaster Carol Wonnacott as guest presented presented a simulated television television interview. In addition to personal evaluation Toastmaster Irene Konzelmann videotaped the presentation for self evaluation. Bowmanville Toastmasters were privi leged to welcome three new members: Vanessa Hughes, Cam Berry and Brian Forrest. President Toastmaster Connie Nelson and V.P. Membership Toastmaster Marilynn Dow led the induction of the new members members during which club members and the new members committed themselves themselves to help each other achieve personal goals. Come and join us any Tuesday evening 7:30 - 9:30 to see Toastmasters in action. We meet at the Darlington Hydro Information Centre. For more information please call 623-2243 or 623- 3527. Edwardian Christmas Open House At Bowmanville Museum The Bowmanville Museum will be holding its Annual Edwardian Christmas Open House from December 5th to 7th. We will be open Friday, December 5th from 7 p.m. to 9 p.m. This will coincide coincide with the BIA's Tree Lighting Ceremony downtown. downtown. On December 6th and 7th, the Saturday and Sunday, we will be open from 1:30 p.m. to 4:00 p.m. The Museum will be decorated throughout in period style with evergreen evergreen branches, cedar boughs, and antique ornaments. ornaments. A display of local name quilts and teddy bears will also be featured. Homemade treats, made by our volunteers "The Friends of the Museum", and apple cider and Christmas punch will be available. Seasonal entertainment will be performed performed in the parlour by Allanah Coles, Doug Dewell, Warner Felin and others. This is the time to visit the Museum and a great way to get into the Christmas spirit. Admission and refreshments refreshments are free. For more information please call the Museum office at 905- 623-2734. Around The Town This program is for youths in grades 7 to 12 (12 - 17 years). It takes place at the Newcastle Public School and is sponsored by the Optimist Club of Newcastle Village. It offers drop in/pick up sports and active games in the gymnasium. gymnasium. Enter by main doors on the east side of the school only. It takes place on Tuesday evenings, 7:00 - 8:30 p.m. (or any time in between), running now through until December 9th. Bring clean indoor athletic shoes. HQ 52 King St. West W Bowmanville F Phone: (905) 623-2453 ' Fax: (905) 623-0136 "A Small Office That's BIG On Service." DOWNTOWN BOWMANVILLE - INVESTMENT PROPERTY: ASKING JUST $199,900. for this 3 unit property zoned C-1. Leased commercial unit plus two residential units & garage. All In top condition, condition, with good King Street location. Call for the details at 623-2453. SMALL BUNGALOW on EXTRA LARGE LOT: - Great beginning for renters. JUST $119,000. CHECK THE VALUE HERE This 2 storey detached home is listed at just $158,500. Nice entrance hall with door to garage; sunny eat-in kitchen has walk-out to patio; bring your king-size bed to this master bedroom with walk-in closet and full 4 piece ensuite. ■J Attached double garage'with auto, door opener. Just 3 years old - gas heat & central air. Have a look today. Call us at 623-2453. AFTER HOURS: Banner Passant" 905-797-2819 Bill Turansky" 905-983-5420 Doreen Tillson' 1-888-543-3208 Toll-free pager John Bate' 905-697-1619 Elaine Kowal 905-623-5868 * Sales Rep. ** Assoc. Broker DolIar$ & Sense with Deborah Kohlsmith Financial Consultant Were you bom in 1926,1927 or 1928? If you wore born in any of lire above three years you are 71, 70 and/or 69 years of age and this is an extremely important year for you. If you have a Registered Retirement Savings Plan (RRSP) you must convert it by December 31 si, 1997. Your options include die following: ( 1 ) Convert to CASH - the amount of your RRSP cashed will be added to your 1997 income 'Fully taxed as income* (2) Convert to an ANNUITY - a fixed stream of payments from a life insurance company or a financial institution, based upon interest rales at the lime the annuity was purchased (AU. future income is loeked-in at today's low interest rates) (3) Convert to REGISTERED RETIREMENT INCOME FUND (ItUIF) - a RR1F is essentially the reverse of an RRSP, instead of making yearly contributions, you must withdraw a minimum amount of money each year (based on a percentage of what you have invested and your age or your spouse's age) 'Built In flexibility* (4) Any COMBINATION of the above three options It is very important to seriously consider your options and choose die option which is best for you. Making a well-informed decision will have significant lax implications and have an affect on your retirement income. Any of the above four options for converting your RRSP at maturity may be suitable for you depending upon your personal financial situation. Many factors should be considered when making this decision including your retirement income needs and your desired lifestyle during your retirement years. The Federal Budget of 1997 changed the age of RRSP maturity to 69. If you are approaching this age, take some time now to discuss your options and plan ahead. Don't procrastinate - if you don't make this important decision by the deadline of December 31st, 1997 the government will make it for you. Watch for next month's topic - "Are you n Dreamer or a Planner"? Topic suggestions arc always welcome! REGAL CAPITAL PLANNERS LTD. ATRIMARK' MUTUAL TUNII5 U'f It Outperform, ©J.P. 24 King St. £., Bowmanville, Ont. L1C 1NS (905) 623-1936 or 1-800-668-9626 Real Estate Deadlines and Policies Deadline for Wednesday Publication is Monday at 12:00 Noon. Any compensation for errors or omissions by The Canadian Statesman will be limited lo the value of the space occupied by the error in the advertisement. ^ Please phone 623-3303 and ask for the Real Estate Sales Department X y News from Blackstock by Joyce Kelly Best wishes arc extended extended to Donna McIntyre and Chris Carr who were married married last Saturday in a very pretty wedding at the Blackstock United Church with the reception following following at the Blackstock Recreation Complex. Donna and Chris will be making their home in Blackstock. A former resident of Blackstock, Elizabeth Skclding, celebrated her ninety-first birthday on the weekend with a family gathering. Mrs. Skclding lives in Newcastle Seniors' Home. Heartiest congratulations, Elizabeth! As you know, there are groups which organize "special wishes" for children children who suffer cither terminal terminal or life altering diseases. diseases. One group is the "Starlight Foundation". This group has a youth from Sioux Lookout in Northern Ontario whose wish is to provide all the children of his town, which has a population of over 3,000 with skates. Needless to say, this is indeed a large project which perhaps you can assist in some way. If you have children's skates which you wish to donate to this very special project, please call me at 986- 4257. There was a large crowd at the Christmas in the Country Craft Sale held on a very dreary day on Sunday at the rcc. centre. centre. This annual event was sponsored by the senior Bands of the Cartwright High School. Congratulations to the organizers of the annual Santa Claus Parade at Port Perry which took place on a absolutely beautiful Saturday afternoon. A great parade! It was good to sec several local entries in the parade. The Blackstock Nursery School is holding its annual Breakfast with Santa at the Blackstock Recreation Centre next Sunday morning. An added feature this year will be sleigh rides on the grounds (weather permitting). permitting). There were fifteen tables at the Tuesday evening weekly card party with the following winners - Doris Hill, Audrey Mahaffy, Charlie Stapleton, William Dunn, Jim Martin, Mary Cannon and Daryl Dean. Draws were won by Gary Nottcnboom, Marie Gibson, William Dunn, Richard Potter, Reid OPEN HOUSE Saturday, Dec.6,2-4 p.m. 3 bedrooms, attached garage, neutral decor, close to schools, shopping. $169,800. Come view this home. Rozmln Awadla** will greet you. 623-3393 or 623- 2007. Liberty N., Concession W., 2nd right and around to 18 AppleBlossom. 234 King Street East, Bowmanville Telephone 623-3393 Toronto Line 686-1035 GORGEOUS, CLEAN HOME, NEUTRAL DECOR Shows to perfection, gas fireplace, central air,- garage, main floor family room + + +. Call today to view this beauty. $144,500. Rozmln Awadia** 623-2207,623-3393. For Buying or Selling Your Home Call Rozmln Awadia** Outstanding service / integrity / results. 623-2207/623-3393 Spotless 3 bedroom home on quiet crescent in Bowmanville. Finished walkout basement, large eat-in kitchen with oak cupboards. 2 - 4 pc., 2 - 2 pc. baths. Fenced yard, interlocking interlocking walkway and front porch. $155,900. To view call Terry Witherspoon* 623-3393. TOO NEW FOR PHOTO! BRICK BUNGALOW IN PREFERRED AREA! Just listed! Spotless 3 bedroom bedroom brick bungalow in Bowmanville. 16' x 32' inground pool with new liner and pump. Hardwood floors, new roof in 1996, new cushion cushion floor In kitchen and bathroom. bathroom. Walkout from kitchen to 2 tier cedar deck overlooking overlooking fenced pool. Newer FAG furnace. Asking $154,900. Call Terry Witherspoon* 623-3393. SET Harness and Jim Martin. The local choral group, "A Touch of Country" will be holding its Christmas program at the rcc centre on December 10 at 8:00 p.m. Special guests of this program will be Dave Wottcn, the Cartwright High School Band and the Pigeon Creek Trio. This will be an event you won't want to miss if you enjoy the songs of the season. Jill VanCamp will be spending the month of December in the area with her parents, Richard and Ruby VanCamp, and many other relatives and friends. She has left Saskatoon where she has been working working since graduation and will be beginning a new position in Bermuda in the New Year. FOR YOUR INFORMATION MOTHERS HELPING MOTHERS A breastfeeding support support group will be held every Monday, l- 3 p.m. at the Salvation Army Church, Liberty St. S. by a public health nurse facilitator. Call 723-8521, ext. 2157. Del's Mortgage Watch Today's Best Rate for First Mortgages. * Best Rates as of December 5th, 1997 ADJUSf ABLE RATE MORTGAGE... 3.99% 5.20% 4 Year 5.85% 5.40% 5 Year 5.95% 2 Year..' 5.60% 7 Year 6.25% 3 Year 5.70% 10 Year 6.90% NOTE: We handle the transfer of an existing mortgage at No Cost! WE ALSO ARRANGE: • Second Mortgages • Credit Lines • Personal Loans CALL: DEL DYKSTRA 697-3300 riri T nM4 FINANCIAL LTD. I Division Street UEL I UIM" MORTGAGES Bowmanville DJP. Real Estate with Betty Smith If you're thinking of buying or selling and looking for an experienced realtor to assist you, please give me a call. I can be reached at Sutton Group-Dynamic Realty Inc., 129 King St. East, Bowmanville, (905) 697-1700 (24 Hr, Pager), Power of Sale listings „ Should a Mortgagor go into default on his mortgage e.g. fail to make mortgage payments, payments, the Mortgagee (lender) has a number of different remedies. One of the most common legal actions is for the lender to effect a "Power of Sale". If all avenues to avoid default have been investigated, investigated, then/the Mortgagee will serve a "Notice of Exercising Power of Sale" to the Mortgagor (borrower). At this time, all other parties with an interest in the property will also be notified (e.g. a Second Mortgagee). The "owner" will have thirty-five days following following the service of this notice to bring his mortgage mortgage payments up to date. If he fails to do so, he will eventually be required to vacate the premises and the Lender will be at liberty to sell ,the property either privately, by auction or through a realtor (for as close to market value as possible). Your comments and questions are always of interest to me and I welcome welcome the opportunity to answer them. @j.p. $0* cornerstone realty ltd., realtor 104 King St. £., Bowmanville MONTHS MORTGAGE 'Some conditions apply. Marg Bain* Sales Rep. Call for details at (905) 623-6000 4 BEDROOM DETACHED Two storey home In one of Bowmanville's finest areas. "L" shaped dining and living room with woodburning fireplace, fireplace, master bedroom with ensuite, finished rec room, double attached garage, forced air gas heal and central air conditioning. Asking $152,900, Call Marg Bain* for details at 623-6000, COUNTRY STARTER Cozy 1 1/2 storey eat-in kitchen, main floor laundry, laundry, detached garage and large outbuildings. 69' x 200' lot. Asking $97,900. David Also: Passant** Assoc. Broker Over 22 Years of Service For a market evaluation of your home, please ask for David Passant**, Associate Broker, todayl 623-6000. $16,900. Mobile home In park. $37,900. Mobile home, woods and creek. $45,900. Level lot 132'x 247' $49,900. 2-10 acre treed parcels. $149,900. 3 level backspllt by hospital $219,900. 25 acres, century home, workshop. Call Linda McLennan** Associate Broker 623-6000 COUNTRY LIVING IN-LAW POTENTIAL This Is a spacious raised bungalow on a 100 x 165 toot lot. 3 bedrooms upstairs. Separate enclosed side entrance to basement. Huge rec room with gas airtight stove. Office, bedroom bedroom and bathroom downstairs. Fully fenced yard backing onto tree farm, Less than 20 minutes from Bowmanville. $174,900. STEP UP TO QUALITY Ron Moore Sales Rep. 623-6000 24 hr. pager Call Linda McLennan** 623-6000. 4 bedroom homo that features 2 car garage, 2 1/2 baths Including a 5 pleco ensuite In the huge master bedroom. Main floor laundry, extra large eat-ln kitchen with walkout to big back yard. Separate dining room 623-9263 (res,) and main floor family room. Plus many other features Irom this award winning builder. Priced at $188,990, Call Ron Moore now to view 623-6000 • 24 hour pager Paul DeJager* 623-6000 or Res. 623-2712 LOTS OF ROOM TO GROW WITH EXTRA BUILDING LOT ASKING $169,000. Solid 3 bodroom bungalow, bungalow, approx. 1200 sq. II. Largo oal-ln kllchon with built-in appliances. Largo living room with wood- stovo, hardwood floors, poronnlal gardons, town walor and so much moro. Cnll for details. ATTENTION 1ST TIME BUYERS!!! VENDOR WANTS IT SOLD! NOW ASKING $94,900. Culo 2 + 1 bodroom bungalow bungalow In doslrablo aroa of Bowmanvlllo closo to schools, and walking distance distance to downtown. Eat-In kllchon, largo lot and dotachod garago. Call lor details. JUST LISTED Doug Humphrey** Member of Hall of Fame Call 623-6000 Excellent 3 bedroom freehold townhome In Bowmanville - Includes fenced yard, paved drive, plus finished basement. Asking $112,900, fflJP