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"A Family Tradition for 133 Years" PORT PERRY STAR - Tuesday, March 16, 1999 - 17 It's March Break; watch out for the kids on the streets The community is reminded that the minor ball registration is March 28 from 1:30 to 4:30 p.m. at the Seagrave Park Center. Happy hirthday wishes go out to Jay King, Suzanne Malcolm, Bill Wanamaker and Larry Taylor. Best wishes for improved health to several of our people: Fred Hobbs, Bill Colwell and Fred Puckrin have returned home from Oshawa Hospital following surgery and Ken Short is expected home this week from Sunnybrook Hospital, Toronto. Anna Walker is recuperating at home following her car accident. Out thoughts are also with Jean Nodwell who is in Port Perry Hospital. The Seagrave Church is hold- ing another Activity Day for children ages five to 12 this Friday, March 19 from 8:30 a.m. to 2 p.m. It includes story time, singing, crafts, baking and a drama called Walk Thru Holy Week. To register please call Linda Thomas at 985-0452. For further information phone Rev. Ross Carson at 985-7787. Church News The Fourth Lenten Candle was extinguished on Sunday by Shawn and Cody Bowen as the congregation sang Walk In The Light. Rev. Carson talked to the children about the impor- tance of light. If we blindfold ourselves we find that we need someone to guide us. The choir sang "Turn Back O Man." Donna Wanamaker read the scripture from St. John 9. Rev. Carson's sermon was "Good Eyesight and Good Spiritual Vision." There was a social time after the service. Anyone wishing to place flow- ers in the church for Easter Sunday in memory of a loved one, please call Marjorie Seagrave BIEN: (0feYe] (=! Chambers at 985-0601 1 by March 28. The Lentscape 1999 studies continue this Wednesday, March 17 at 7:30 p.m. at Greenbank. How do I know God's will? The story of the betrayal. The Good Friday Service is on April 2 at Pinedale Church at 7:30 p.m. The Seagrave Church Beef Supper is on Wednesday, April 14. For tickets phone 985-7778, 985-3851, 985-8666 or (705) 357-3111. The Pinedale and Seagrave Church choirs will present their Spring Melodys on Sunday evening, April 25. More details in the coming weeks. Last but certainly not least, a reminder to the community during this March Break to be extra cautious driving as many children will be outside playing at not the usual times expected. Have a happy and safe week to all. March is Nutrition Month and there are some great events planned for the Port Perry area. The Nutrition at Work dieti- cians want everyone to eat well and live well. Doing so and being active will help you stay healthy and give you the energy you need to fully enjoy life. Sign up for a supermarket tour with a registered dietician and learn to make sense of nutri- tion labeling and how to cut fat without sacrificing taste. Also, learn how to fit in your favourite foods and try some tasty new samples and even enter to win doorprizes. The tours will be held at Port Perry IGA on March 18 from 7 Supermarket tours planned for Nutrition Month p.m. to 9 p.m. and on March 25 at Reid's Independent Grocers from 7 p.m. to 9 pm. as well. Please register at the cus- tomer service desk. The cost is just $5 per person. Also, don't miss the Nutrition Month display at the Scugog Memorial Public Library. Pick up free nutrition info there. BP a wo Be careful not to fall into the "Rasy Credit Trap' One of the easiest traps to fall into is the "Easy Credit Trap." If you want to purchase something but can't pay for it now, you can easily find a way to finance it. When an appliance breaks down, you can purchase it on a department store credit card or through a deferred credit plan. When to want to replace your car, you can arrange a car loan or arrange a lease. Following is an illus- tration of a department store credit card purchase: Original Purchase Price - $2,000 Credit Charge Rate - 2.4% Minimum Monthly Payment - 4.05% of the monthly balance but not less than $10 Number of months to pay off using the mini- mum - 159 months Total of all payments - $4,510 Following is an illus- tration of a car purchase: Original Purchase Price - $25,000 Trade or Payment - $5,000 Car loan at 8% for four years ($488x48) - $23,424 Total of all payments - $28,424. The resulting cost of the "Easy Credit Trap" is that you are progressively eating up more and more of your disposable income Down "with monthly interest payments. A cycle can develop whereby, as you begin to earn more, you have capacity for more monthly payments and you buy more things on credit. You are effectively trapped when you are using all your disposable income to fund the cycle and the only way to make any major purchases is to go deeper into debt. The way to break the cycle is to eliminate the debt and begin a savings plan to cover future purchases. Health insurance premiums for private health insurance plans qualify as medical expenses. The cost of health protection you buy for the time you are outside Canada also qualifies. During this transition phase, a major effort will be necessary, since you must find monthly savings in your budget plan in order to pay down the debt. This may mean sac- rificing some of the things on your personal want list, or at least deferring them until you can afford to pay for them from savings. Some Helpful Tips: a Budget to get out of debt in a reasonable time frame. a Resolve to cut up your credit card if in any month you are not able to pay off the full balance. @ Open up savings accounts for major pur- chases such as a car, appli- ance, or vacation. a Have an emergency fund available to cover unforeseen expenses such as a car repair. 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