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Scugog's Community Newspaper of Choice" PORT PERRY STAR - Tuesday, January 18, 2000 - 9 Ashburn News McLeod was welcomed to Burns Church Keswick's Rev. We welcomed Rev. Allison McLeod of Keswick to Burns Church on Sunday morning. The Sacrament of Holy Communion was celebrated. The Session will meet at the church on Tuesday, Jan. 25 at 7:30 p.m. The church annual meeting is scheduled for Sunday, Feb. 6, following morning worship. Please have all your reports to the secretary or the auditor as soon as possible. Mildred Binsted passed away at Markham Stouffville Hospital last Friday. The funer- al service was conducted at Claremont Baptist Church on Monday, Jan. | 7. We extend our sincere sympathy to the immediate family. Doug and Florence Ashton, Theo and Joan Knight visited with Lloyd Pugh of Pickering on Sunday. Sheila Parrott of Mississauga visited with Florence Ashton on Thursday. Several from Ashburn enjoyed a bus trip to Niagara Falls for a couple of days last week, enjoying the sights and Christmas lights. Results of the euchre party on Jan. 6 are as follows: Five tables were played. Ladies first - Violet Cole, second - Peggy Booth, men's first - Jack Lee, second - Marg Gall, share the wealth - Mary Housego and Harold Dennis, lone hands - Verna Draper and Jean Johnston, door prize winners - Gert Maynard and Art Richardson. Next euchre is Thursday, Jan. 20 at 8 p.m. Segregated Funds: Investment with insurance B RRSPs BB Annuities, RIFs, LIFs MB Business insurance Make the call. Whether you're just starting out or you want to switch to friendly, professional service, let me customize a plan to meet your personal financial security goals. MB Individual life insurance B Individual disability insurance BM Segregated funds ofp i Freedom $55 You probably own or have owned guaranteed investment certificates (GICs) and Canada Savings Bonds (CSBs). You know about mutual funds. But seg - short for segregated - funds may prompt a "What's that?" response. In fact, they're basically an invest- ment fund with the advan- tages of insurance. These are some people who can benefit from the: -Business owners, pro- fessionals, company offi- cers or directors who have higher personal exposure to liability and want to pro- tect their assets - People who want to maximize the value of the estates they will leave behind and make the trans- fer to their heirs as easy and inexpensive as possi- ble -People who are retired or nearing retirement - Conservative investors who want to have the potential for growth, while securing their principal. You Own a Business, Are a Company Officer or Director Key Benefit: Creditor Protection You'll find seg funds par- ticularly useful if you're self-employed, own a busi- ness or hold a position on a board of directors - or if you're a doctor, lawyer or other professional. Directors and officers of a company are also more sus- ceptible to liability. Whether you fall into the first or the second category - or both - you can benefit from the creditor protection of seg funds. Here's How Seg Funds Can Help: Consider this. In most instances, if you, as owner and annuitant (contract holder in Quebec), have made a deposit to a seg fund and named your spouse, child, grandchild or parent as beneficiary your seg funds cannot be seized in a claim against you or your business. Certain conditions apply (speak to your advisor), but it will be effective in most situations. If creditor protection is a factor in your purchase of a seg fund, you should con- sult with your financial and legal advisors about your personal circumstances. You Want to Contain Investment Risk but Still Want Decent Returns Key Benefit: Lock in Growth If you're a conservative investor, you may be frus- trated by the impact of today's low interest rate environment and want to reap the rewards that come from more aggressive investments. You may want to consider seg funds because they will allow you to lock in your growth and therefore guarantee a high- er amount than you initially invested. Here's How Seg Funds Can Help: Seg Funds feature a reset option that can lock in market value apprecia- tion twice each calendar year, thereby increasing the amount covered by the guarantees. And you can move your money within the seg fund family. This A DREAM [s a Gift We Give Ourselves TO ACHIEVE YOUR RETIREMENT DREAM, YOU NEED A PLAN. We dream of enjoying a wonderful retirement filled with family, friends and the chance to do exactly as we please. But to get there you need a plan; a plan for seeing beyond today's RRSP contribution to your total retirement plan. Balancing today's cash flow with tomorrow's need for a retirement nest egg sometimes seems like an impossible task. But it doesn't have to be if you take it one small step at a time. Putting away a little now for the future is a part of that plan. So is making sure your investments are working as hard as possible for you. And you'll want to protect that nest-egg by ensuring your plan aims to minimize taxes when the time comes to pass those investments on to your loved-ones. TM - Trademark of CIBC Group of Companies will enable you to benefit from the increasing value of your investment, and protect you from potential downfalls in the market. When you exercise the reset option, your guaran- teed amount becomes the market value of that day. Insurance and Investment This new amount is both Representative Members your death benefit and of the Canadian maturity guarantee. You : Association also start a new 10-year Chris Hudson of Insurance and Mark Hlozan | term. Res.: (905) 986-5616 Financial Advisors Res: (705) 432-2414 Toll Free: 1-800-791-1324 ext. 261 Toll Free: 1-800-791-1324 ext. 270 | Robert Gow, London Lite and design. Freedom 55 and London Financial Centre Limited and design, are trademarks of RBC Dominion Securitie Inc., London Life Insurance Company, used under licence by London Financial Centre Limited. Oshawa Business risk As a business owner, you may not realize that your personal assets may become exposed to creditors and legal action. By investing in Trimark® Seg Funds, you can help safeguard your personal investments in case a claim is made against you personally. B@ Group insurance Bl Group retirement plans Bl Mortgages As a subsidiary of London Life, London Financial Centre Limited offers: Bl Mutual Funds - RESPs, RRSPs, RIFs FF R 8 F NC LIMITED shouldn't mean Personal risk For more information about Trimark Seg Funds, contact: STRENGTH OF TRIMARK. GUARANTEE OF INSURANCE.™ RBC 434-7156 DOMINION SECURITIES Investment Advisor Robert J. Gow or 1-800-267-1522 ' With the support of American International Group, Inc, rated A++ by AM. Best Co. Designed and sponsored in part by Trimark Investment Management Inc ®/1 Trademarks of Trimark Investment Management Inc LEER CTY SEG f fund: + A description of the key features of the individual variable insurance contract is con- tained in the information folder. Subject to any applicable death and maturity guar- antees, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the investor and may increase or decrease in value according to fluctuations in the market value of the assets of the segregated fund. AIG Life of Canada A++ Rated' 145 QUEEN STREET, PORT PERRY | { * - CIBC Trust is a member of the CIBC