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The Claringion/Courticc Independent, Bowmanvillc, Saturday, June 6, 1998 Page 5 3rd Annual Gold Medal W Basketball Camp for Boys and Girls Ages 7-17 July 6-10 Kingswoy College (jusl west of Townline Rd. on Hwy. 2) Fee-$125.00 For information, please call Sarto Provenczano at 434-2881 DollarS & Sense with Deborah Kohlsmith Financial Consultant Taking the Mystery Out of Commissions As mutual funds become the way to invest in the 90s and on into the millennium, investors should be aware of the underlying fees and commission schedules that exist. Three main types of commissions are: (1) No-load - no commission fees are paid, however you become your own financial consultant (2) I'ront-end - a certain percentage of your investment is paio up front (3) Deferred sales charge (DSC) - investor pays no commission up front; DSC is a declining commission schedule based on the number of years the investor holds his investment (commission declines to 0% after 5 to 7 years) Service fees, also referred to as 'trailer fees', are paid quarterly, based upon the total assets held with a fund company. Each of the various fund companies rely on a large network of independent financial advisors and these individuals are compensated to provide a high level of service to every client. Management fees,, expressed as 'MERs' (Management Expense Ratios) are paid to the fund managers for day to day operations of their funds. Different types of mutual funds may have higher or lower MERs, dependent upon the type' of fund and how costly it is to manage (ie. International; Canadian; Emerging market funds). Any figures you see reported in the media have already taken the MER into consideration. The bottom line should not necessarily be a "commission" decision. Your decision should ultimately be based upon the advice, service and integrity of your, financial consultant. He/she ^should be assisting you in maintaining your commitment to your goals and most importantly assisting you in achieving your 'specific financial goals. ©J.P. REGAL CAPITAL PLANNERS LTD. TALVEST 24 King St, E., ky.m g i urg Bowmanville, Ont. L1C 7 A/2 (905) 623-1936 Jackman Brings Home Lots of Hardware Jason Jackman closed out his junior hockey career by winning a number of awards at the year-end banquet of the Guelph Storm that was held recently. The Bowmanville resident won awards for: combing school involvement with a commitment commitment to the community; a leadership award for hard work, unselfish play, and discipline; a faccoff plaque for having the highest percentage of wins on the team; and a most sportsmanlike player award. He is pictured above with all of the trophies trophies and plaques. His four-year career ended by advancing to the championship game of the Memorial Cup that was held in Spokane, Washington. Unfortunately for Guelph, they were defeated in overtime by Portland in the final game. National Duathlon Finals In Oshawa on June 14th Canada's top duathlctes will call Oshawa home for the weekend of June 13 and 14. They will compete for the title of Canadian Champion. The event, which is scheduled for June 14, at 9:00 a.m., consists of a 5 km run, 30 km bike and 5 km run. The start and finish line will be located in Oshawa Civic Fields Stadium and the general public is invited to conic out and cheer on local, as well as national level athletes. Both runs will have the athletes leave the Stadium and go north on Thornton Road, then cast on King Street, south on Park Road and then west on Gibb Street and back into the transition area within the Stadium. The bike course will be north on Thornton Road. It is expected that as many as 300 athletes from coast to coast will converge on Oshawa, competing for the Canadian Championship as well as trying to obtain a spot on the Canadian National Duathlon Team. The Canadian National Duathlon Team will be travelling to Germany in early September to challenge the world's top duathlctes at the World Duathlon Championship. Along with the prestige and chance to travel to the World Championships, the athletes will be vying for $5,000.00 in prize money in Oshawa. This race will feature Canada's top duathlctes such as Heather Fuhr (World Champion Hawaii Ironman 1997), Simon Whitfield (Canadian Champion 1996) and National Team Members Marci Aitkcn, Lisa Bentley, John Loncy, Sharon Donnelly and Mike Buck. CROSSWORD June 6 - 1 2 3 4 1 5 6 7 a 9 1 10 11 12 13 14 15 16 17 19 20 ■ a, ■ 22 23 24 25 ■ 26 27 28 ■ 29 30 31 32 33 34 ■ 35 37 ■ 38 39 ■ 40 41 42 43 ■ 44 45 ■ 47 48 49 ■ 50 51 52 53 ■ 54 ■ 55 56 57 58 1 59 60 1 61 62 63 64 65 66 67 ACROSS 1. First name in Cuban bandleaders 5. Actress Alvarado 10. Wine (Katherine Anne Porter) 14. Unsealed 15. Interlaced 16. Pollster Roper 17. Accomplishment 18. None better 19. Afternoon affairs 20. " the ramparts..." 21. Mme., in Memphis 22. Parsonage 24. New Yorker Illustrator Steinberg 26, "She loves me..," unit 27. Cheated 29. " Your Love" 30. Jezebel portrayer 34. Linus' sister 35. Prince of the theater 36. Certain rentals 37. Well's contents 38. Cromwell, for one 40. Malarkoy 41. Loss superficial 43. Silent Coolldgo 44. Ho created Perry and Della 45. 46. 47. 48. 50. 51. 54. 55. 58. 59. 61. 62. 63. 64. 65. 66. 67. Shortstop's shortcoming Bumped into Use a pencil end Napa exports Wellington "Happily ever- aftering" locale Bog will (bad intentions) Turn or pop entier Midwest airport Hunted one Rotten to the More achy Hymn finale Had debts Advantages Caution DOWN 1. Fuddy-duddy 2. Duelist's weapon 3. Crinkly suit fabric 4. Quaylo's st. 5. Spin a baton 6. Gats 7. Common contraction 8. In closer propinquity 9. Covo 10. Irritatod 11. Butter substitute 12. 13. 21. 23. 25. 26. 27. 28. 29. 31. 32. 33. 35. 36. 36. 39. 42. 44. 46. 47. 49. 50. 51. 52. 53. 54. 56. 57. 60. 61. Julie's Dr. Zhivago costar Parker Java hound's cup Airplane area However much Keeps order Gliss Piano adjuster East Earth (2 wds.) Instruments Cosmetician Lauder Ben (Wallace) French lace Pauline's problem Make trim High- (dynamic) Prior's prior Procedure Bardic time Old West necktie Pub drinks Kate Hepburn role Affirm Just Liberated Suggestive look Footballer Swann La Plata's land: abbr. Handle roughly For answers see your Canadian Statesman next Wednesday. This crossword brought to you by: Tile Ltd. Ceramic Tiles - Marble - Vinyl Cushion'arid Hardwood Flooring j l l I Expert Installation - Free Estimates I S.U.tl TILESj Every Tuesday Is Seniors' Day - 10% Discount Î84 King St 1 . W.| I 623-3929! Bownmnyilloloup Golf Book "Hole in one! Double eagle! Seven under par!" If your dinner conversation focuses on these catch phrases, phrases, then we have the perfect Father's Day Gift for you! For the seventh consecutive year, The Lung Association, Durham Region is offering the Golf Privilege Book. For less than the price of one typical greens fee, Dad can enjoy great discounts at 45 area golf clubs. The 1998 Golf Privilege Book, a great value at $25, contains seven courses and driving ranges, right in the heart of Durham Region. Other course locations locations include Markham, Lindsay, Peterborough and " Barrie, All proceeds from the sale of this book go to further respiratory respiratory education and rehabilitation rehabilitation programmes within Durham Region. To order a 1998 Golf Privilege Book call (905) 436-1046. r 4TN LXRJ0 um?{grro9t Çirfs Clarington Girl's Hockey Association REGISTRATION at Garnet B. Rickard Complex THURSDAY, JUNE 18, 1998 6:00 p.m. to 9:00 p.m. Tyke, Novice, Atom, Peewee, Bantam, Midget & Intermediate Bring a copy of Birlh Certificate and Health Card WANTED - Coaches in all divisions. For information contact; : Bev Ferguson 623-1592 or Leslie Burritt 263-8420 *• v- iMiClWJyl VE UP TO $ 300°° Towards Deductible on Insurance Windshield Claims Plus... GAS BARBECUE ^Some Restrictions Apply. ^Expires JunBj3tjLl998j f: I 'A A flute Gloxr 1 -800-658-3904 12 Temperance St., Bowmanville 623-8451 mmmm StMyMhcm dWWVVWVWVtfWVVVWtfVVVVVVVVVVVVVVVVWl V* MOSPFRT THUNDER WEmWR SPECIAL EVENTS: Saturday June 6th - Modified Invitational Saturday June 13th - OSCAAR Super Late Models For further information call: (905) 983-9141 or visit our web site: www.mosportcanada.com