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Unfortunately, most people will wait until January or February 1990, and short change their RRSPs in the process. But if you make your 1989 contribution a year earlier, you will ac- cumulate considerably more in your RRSP. And if you contribute early every 9 # 4 #4 4 # # 7 tively for you. If you faithfully follow the three strategies outlined below, you : g 9 / / # g # "much as 10 percent if your RRSP earns 10 percent on average each year. Why? Since every deposit has been pushed forward a year, you have given the total amount accumulated in your RRSP an extra 12 months to earn interest. Getting in the habit of contributing the equivalent of your tax refund to your RRSP begins to pay dividend that you are in the 40 percent tax brac s almost immediately. Let's assume ket in 1989 --- income above $27,500. You can contribute $1,200 of your hard-earned dollars now and get a tax contribution. 5 4 4 4 # # # # 4 : year, you could increase the size of your RRSP retirement income by as g 4 4 # #4 4 4 g # But what happens if you bite the bullet now and contribute $2,000 to 4 your RRSP, taking the extra $800 out of your savings account. Next April you will get a tax refund for the same amount, $800 (40 percent of $2,000), which you can use to replenish your savings account. In effect, you have borrowed the $800 from yourself for a few months, repaid the "loan," and you now have $2,000 working for you in your RRSP instead of just $1,200. That's two-thirds more in your RRSP and it means a retirement income / two-thirds larger than you might have expected. / Year after year, many people continue to contribute the same amount A / / / 4 4 4 refund next April of about $480 (40 percent of $1 ,200) for that RRSP g / # / A ¢ 4 It stands to reason that if you were able to contribute, say, 10 percent of : your income, or $2,000 to an RRSP when you were making $20,000 a year, "you should still be able to contribute 10 percent or $4,000, now that you are making $40,000. That extra bit you put in every year as your income rises can really pay off when you convert your RRSP into a retirement income. Now let's look at what happens when you combine the three techni- ques and put your RRSP in high gear. If you contribute $1,200 at the end / 4 4 4 4 : to their RRSPs, even though their incomes have increased considerably. 7 4 4 4 a of each year for 30 years and your RRSP earns 10 percent each year com- pounded annually, you will accumulate almost $200,000 in the plan., But consider the results if instead you contribute at the beginning of the first year, and you increase the size of your contribution each year (we'll assume that you receive a modest wage hike of 5 percent annually). You the RRSP earns 10 percent compounded annually. That's three times as much compared to the lazy RRSP, and it means that your retirement in- come could be three times as large. Bad RRSP habits can be dangerous to your financial health. If you don't have a pension plan where you work, or you don't expect your plan to pro- duce a very large pension benefit, you owe it to you and your family to get your RRSP working as hard as possible this year and every year. 7 # / # / / ¢ 7 each year, you contribute your tax refund so that $2,000 is contributed in g 7 é 4 4 #4 9 / g [ 4 é 4 9g g will accumulate close to $600,000 in the RRSP at the end of 30 years if 7 4 4 4 ] Birthday bash at curling club Seagrave and Area News by Ann Sandiford Once again the Fellowship Sister dinner time of year is upon us. It will be held at the Greystone restaurant on Shirley Road, December 7, 1989 at 6:00 p.m. at a cost of $17.00 per person. Please pay in advance to the fellowship ladies' Elizabeth Maschke, 985-3432, Erin Porter 985-9172 and Sue Maschke Martens, the latter being our new bride at Sun Valley. Congratulations Sue and Chris -and good luck in your new home. Sue's number is 985-4012. Next Sunday regular church services resume at 9:30 a.m at the Seagrave Church. The U.C.W. meeting will be Monday November 13th at 1:30 p.m. at the home of Margaret In- gram. Please note the change of date. : . Once again this year the turkey supper was a great success. We would like to say a big thank you to everyone'in the community who helped contribute to this an- nual event. The Cooke family in Robinglade Estates celebrated with many family and friends this past Sun- day following the christening of their son Michael Anthony. Paul, Diane, Katherine and Michael thank everyone for helping to make the day $0 special. Saturday night was a fun time at the Curling Club in Port Perry as many family members and friends got together for a surprise special birthday bash for Mar- jorie Dempsey. It was a great dance. Sympathy is extended to the Jewell family of Robinglade Estates on the recent passing of Brian's father. Reminder for Mariposa Estates ladies group the next meeting is Wednesday November 15th at Katarine Galea's home. Reminder for Robinglade Estates ladies group the next meeting will be November 23 at the home of Ann Sandiford. Ladies please take $1.00 for 50/50 draw, your mug and your Christmas 'goodies recipe 'exchange. Happy birthday wishes to Jen- nifer Longo. That's it for this week, please call Diane Cooke with your news items for next week at 985-3722. PORT PERRY STAR REAL ESTATE -- Tuesday, November 7, 1989 -- 13 Li Prosser, Dana Forder and Mike Vandermeer. Members of the Cartwright High School graduating class get together for a photo just prior to Commencement held November 4 In Blackst scholar) Natasah Beinbrecht; Dyer. Esther Kelly (Ont. sch ock. From left are: Blaine Sleep (Ont. (Ont. scholar) Matt Hill; Tammy Rohrer; Jason Kyte, Sharon olar) Not present for photo were Suzanne Cosgrove, Daryl Dr. McClure guest speaker Sunday Hallowe'en! Hallowe'en is over for another year. The weather was dismal, with periods of heavy rain, but the kids in this = communi- ly...serenading as ghosts, wit- ches, goblins...scary wee folk...were bombarding our door for "trick or treat"... bless their hearts! A great group of kids...and so very polite, with a thank you when they left. They deserve a pat on the back! So good to see them having fun! Bet- ter half Sam 'shelled out" the treats...he enjoys the kids so much! Remembrance Day Thought As Remembrance Day ap- proaches this coming Saturday, November 11, let us pause and remember...solemnly and reverently...the valiant sons of Canada who paid the supreme sacrifice for the things in which they believed! 2 Family Interests Barry & Linda Parker have purchased the lovely bungalow owned by Marg France at Scugog Point. We warmly welcome them to the community. Marg has mov- ed to Utica to live with her son and wife..Jim & Judy France. We shall miss Marg so very much in this area. She has proved to be a good friend in so many thoughtful ways...but...we know she'll be happy with Jim & Judy in their beautiful home, and it isn't so nice to be living alone! Perhaps she will come back, now and then, for a visit with the Nestleton folk...and the friends at Scugog Point area. We hope so! Changing Human Size This is an article I came across in my notes. Thought it might pro- ve interesting to readers: Man's growth rate has been changing in the last few centuries, The one-year-old infant of today is seven percent taller and 12 to 15 percent heavier than his counter-part in the 19th cen- tury...says Dr. M.H. Wittenborg, Boston radiologist. Today's boys aged nine to 14, are six to eight percent taller and 12 to 15 percent heavier than in the last century. And in England, a youth achieves maximum height at 21 years, while in 1888 it took 26 years, he adds! Nestleton Women's Institute The November meeting of Nestleton Women's Institute, was held at the Nestleton Community Centre on Wednesday, Nov. 1 at 1:30 p.m. Mrs. Neta Fish and Mrs. Gwen Malcolm had prepared excellent reports of the Nestleton-Caesarea News by Mabel Cawker 87th Area Convention held in the Royal York Hotel, Toronto, which they had attended last week. It was just like being there...and members were well informed on current matters. The president Neta Fish open- ed the meeting with a Remem- brance Day poem, the Institute Ode and Collect. Minutes were ap- proved as read by the secretary and Rika Wygerde gave the finan. cial statement. Also, Rika ex- plained the wearing of a White Ribbon for White Ribbon Week...as a sign of protest against pornography. The roll call - "A quick meal when Hydro fails" was answered with some resourceful suggestion. Bertha McLaughlin ably respond- ed-to the motto - "The World looks brighter from behind a smile." Cards were signed for sick in the Community and a card of sym- .pathy - also an Appreciation Scroll for Marg France who has recently moved. We will miss Marg; a Nestleton Life Member; and constant worker in the Branch. Members will again hold their Christmas Pot Luck Lun- cheon on Wed., Dec. 6th at 12:30 p.m. at the home of Rika Wygerde, with Meta Fish in charge. Several members will be missed who are spending some time in Florida. The topic for the meeting was on Public Relations...the positive aspects of being a W.I. member! Elsie Bye and Gwen Malcolm read Do's and Dont's for the organization. Rika read "Recipe for a good Public Relations Of- ficer," & "Seeds of Happiness." A true feature story written by H. Gordon Green, was read by Win- nifred Davison. We can have jokes, skits, etc. to provide humour in the meetings. She ad- vised - that all should get involv- ed as public relations workers. To develop a sense of humour - the book "Friendly Persuasion Cana- dian Advertising of Yesteryear" was recommended. Lunch committee - Bertha McLaughlin and Winnifred Davison served sandwiches, cookies and cake with tea or cof. fee. After sociability, Barbara Weir expressed the appreciation to those in charge of the excellent meeting. Nestleton Presbyterian Church The congregation of Nest]eton Presbyterian Church was pleas- ed to have Rev. Dorothy Mac- Donald (Bulmer) now of Uptergrove - as pulpit supply at 11 a.m. Joyce Taylor attended at the organ. The Scripture reading was from Job 23 & Luke 19. Responsive Psalm from Book of Praise No. 646. Thoughts of Remembrance Day and the great debt owed to our war heroes, and surviving veterans & families, were follow- ed by prayers of Remembrance. In times of disaster and chaos when we do not understand God's plan, Rev. Bulmer quoted "Be still and know that I am God." Service will be held next Sun- day as usual at 11 a.m. Note: Rev. Bulmer was a former resident Student Minister when Nestleton and Sonya were joint charges, and graduated while at Nestleton. She is now retired and married, living near Uptergrove. Sympathy Extended Our heartfelt sympathy goes out to the family of the late Mar- jorie McCombe of Port Perry, who passed away suddenly on Monday in the hospital. A good friend, well known for her kind- ness and generous ways. She was always happy doing for others, greatly loved and respected by :nany, with a wide circle of friends. We shall treasure her memory! Her high ideals, her zest for life, and her Christian manner of living, provided a fit- ting example for us all! Those left to mourn are her three sons -- Danny & Roberta and family of Toronto, Brian & Dawn and fami- ly of Janetville, and Barry & Bar- bara and family of Vancouver Island. The Blackstock United Church Anniversary service held this past Sunday, was a fine success, with a number of friends present from the Nestleton Church for this special day. The Nestleton Afternoon Unit of the U.C.W. will meet at the home of Leona Sadler, on Tuesday, Nov. 14 at 1:30 p.m. with Bernice Mairs and Leona Sadler in charge of the programme and refreshments. A good attendance is expected. Keep in mind -- Nestleton United Church Anniversary this coming Sunday, on Nov. 12 at -11:15 a.m. when the Eminent Dr. Robert McClure will be the guest speaker! A full house is expected! L Ea a 43 -- a NI, See Rr. Cr , a Wt -