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"A Family Tradition for 128 Years" PORT PERRY STAR - Tuesday, May 3,1994 - 21 I ETTERS A personal thank you President and Members, spoke to, explained, guided, en- Cartwright Youth Council couraged and congratulated. Durham Regional Police To some of these youngsters, Bike Back Sticker Durham Op- timist Bike Safety Rodeo Programs My personal "thank you" for a fabulous job. Well done. On Saturday, you played a role model to many youngsters. Reflect back to Saturday and enjoy those personal moments with the youngsters you met, on May 5th, 1994 ~ DEVON | you were it. The big gal/guy they look up to. The organization was excel- lent. You experienced what is referred to as the "hands on" ap- proach. The best method of achieving excellence. Be pre- pared to meet these youngsters in your day to day routine. When you see them, say "hello." They may wish to talk to you. Don't forget, you are the big gal/ gluy. They may be a little shy/ scared. But, they won't forget you. Don't forget them. As individuals and a group, you are well on the road to tak- ing your place in society. Being a volunteer in your community. Taking on Mary's role, Linda and Rick's role, Constable Sam Fox and Brad Hancock's role and my role to name a few. Congratulations...for on Sat- example for 50 "kids" in your community...and many parents saw...that "kids" can do it...when provided with the op- portunity. I am proud to have met and associated with you. The very best in your future. I am sure you will be a success and example for many to follow. William "Sam" Magee, Optimist and "Friend of Youth" -------- Hater (reentouses es AOUEDAS | Regtaurant and Dining Lounge Hwy. 12 - 1 mile North of Brooklin © 655-5866 Open 7 days a Week 9am to 7pm e Gloxinia e Beautiful HAPPY MOTHERS DAY! e Potted Mums Hanging Baskets Growers of Quality Hanging Baskets, Foliage, /t lowering Plants \ [] \ 6 \ [J A 4 A} | \ q \ [} \ [4 \ [| \ [] [} 1 \ [| \ [} \ [J \ oA \ [} \ [J \ 4 13 Le & Canadian and Butch Cuigine MOTHER'S DAY SPECIALS 1) | urday, J EE Raglan Centre presents 3rd ANNUAL VILLAGE YARD SALE Saturday, May 28th, -- 7:30 a.m. Also now booking -- Driveway Sealing (concentrated, never diluted) RAGLAN CENTRE GAS BAR » 655-8518 Personal, Popular, Fun + Independent you not only did an excel- lent job...you set an excellent Beat the Crunch... Come for Brunch! Served from 11am to 3pm A fine selection of brunch entrees, [french toast and bacon, omeletles, quiche, salad, turkey melt and much more... from 4.95 including coffee or tea NY (Dinner Specials Served from 3pm to 9pm Mouthwatering Dinner Entrees from 9.95 ~ Fresh Prime Rib of beef with Yorkshire Pudding, ~ Breast of Chicken, ~ Heavenly Sole, ~ English Cut Roast Beef includes salad, fresh vegetable, potato, [french stick, coffee or tea. A \- Reservations: (905) 985-2066 or 985-2257 i "Buy and hold" - this is probably the most common strategy advice mutual funds investors receive. How many times have you seen ads which claim "If you had invested $10,000 in 1955, your investment would be worth $2,000,000 today?" Hard to argue with, isn't it? Especially since equity mutual funds have been known to outperform many other investments over the long term. Most mutual fund investors are content to leave their investment decisions to the professionals who manage the funds. They feel fund managers have the expertise and temperament to juggle a portfolio, dropping over priced stocks while adding those which have greater growth potential. However, some investors would like to try timing the market themselves. "Beating the market" takes a lot of work and, some say, innate knowledge, a feel for when the market will rise or fall. It's not easy. Even experts will admit their failures in market timing, especially those swamped by the October 1987 stock market crash. The amateur investor will have little time to monitor the normal factors that affect the market, let alone the unpredictable and unusual situations that can send a market soaring or into a freefall. The professional fund manager, however, watches the market full-time, evaluating such trends as consumer confidence levels, house building activity and corporate profitability, along with economic indicators, such as interest rates and retail spending. All of these factors can contribute to a market's performance. Many professionals believe that bull (rising) and bear (falling) markets precede turns in the economy on an average of 11 months. Therefore, the investor will have to be able to look for more than one year into the future without the help of a crystal ball. The challenge in trying to guess the market's direction is that the investor has to be right both times, knowing when to get out and when to get, back in. To alleviate potential errors, the investor may decide to trade only part of their funds or those invested in specialty funds that have a tendency to be volatile. These could include energy, gold and foreign mutual funds. Overall, the "buy-and-hold" strategy is a sound idea for many investors. But "buy-and-hold" does not mean "sit back and coast." Investors should monitor their funds closely to ensure the fund is performing consistently. Watch for any changes in a fund's management and management policy. For example, if management changes could adversely effect a fund's performance, you might want to consider switching funds. Also, many investors will want to change the type of funds they hold as their needs change. As they get older and are less willing to take risks, investors will likely want to shift, away from aggressive growth funds to more conservative balanced or income funds. With mutual funds, investors can reap the benefits of owning stocks while avoiding the risks and costs involved in dealing directly with the market. For avid stock market watchers, a mutual fund's portfolio can be monitored from the newspaper's business pages as well as through the fund company's updates and literature. With mutual funds, there is something for everyone to "buy and hold." I Oh Aut STOCK MARKET TIMING OUTPERFORM. Outperformance is the best way to maximize your savings, stay well ahead of inflation and build real wealth over the long-term. Get the numbers you need to get your investments outperforming. WE MANAGE. To OUTPERFORM. ATRIMARK MUTUAL FUNDS Fund performance to March 31, 1994 | END) 16.7% 5 YEARS 124 5 YEARS I RIM ARK 24.5" J YEARS 15.8" 3 YEARS 30.2" I YEAR 24.6" I YEAR 16.8" 10 YEARS 13.6" 10 YEARS BOB GOW (905) 434-7156 » 1-800-267-1522 Investment advisors to Canadian enterprise and enterprising Canadians 111 Simcoe Street North, Oshawa, Ontario L1H 7M9 All returns, audited by Ernst & Young, Chartered Accountants, are historical annual compounded total rates of return and reflect changes in unit value and distributions reinvested They do not take into account sales charges or administrative fees payable by unitholders which would have reduced returns Past performance does not guarantee future results Your unit value and investment return will fluctuate. Important information about any mutual fund is contained in its simplified prospectus. Read your prospectus carefully before investing. You can obtain one from the fmancial advisor mentioned above