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Signpainter of the future Signs created on this machine are stencil cut into vinyl. The vinyl is then mounted on the craft or vehicle. Each sign will last five to seven years. The versatility and efficiency of this machine was what attracted Margaret O'Rourke to it. Test your credit card knowledge 1. Q. In calculating interest charges, a credit card company first subtracts your payment from the balance shown on the monthly statement and bases the interest charge on the remaining balance. True or False? A. FALSE. For cards issued by financial in- stitutions and most oil companies, interest is calculated on the daily balances which are reduced as of the day of payments. Accordingly, interest charges up to the payment date are based on the full outstan- ding balance. Most major retailers subtract payments which are 50 per cent or more of the outstanding balance before calculating monthly interest charges. 2. Q. By using a credit card to make a purchase, you have free credit for the period between the date of purchase and the payment date of the following monthly state- ment. True or False? A. FALSE, except if full payment is made by the payment date. Most financial institution card holders will be charged interest calculated from the date of the monthly account statement. For most other credit cards, in- terest does not accrue until the date of the monthly account statement. 3. Q. If you pay off a credit card balance by the payment date, you avoid further interest charges until you use the card again. True or False? A. Not necessarily true for financial institution cards. TRUE, for most other credit cards. For most financial institution card holders who have a carry-over balance from the previous month and who pay off the full balance, an interest charge will appear on the next monthly statement. This interest chargve corresponds to in- terest -- up to the date of payment in full -- on the portion of the balance which had been carried over. 4. Q. A credit card with a lower interest rate will always cost less than a credit card with a higher in- terest rate. True or False? A. FALSE. Higher interest rate cards are often more advantageous in other aspects -- such as non-interest charges, grace period or date from which interest is calculated. Accor- dingly, a high or a low interest rate card may involve the least cost. Making quick signs by David Muir When the springtime arrives, people come out in droves to spruce up their boats. This may involve a simple clean- ing or getting a whole transom replacement. Whatever else they do, people always want the name of their craft to stand out bright and clear. For this they need to get a sign painter and have the boat out of the water for a number of days, unusable. Or do they? ; Vehicle fleet owners can't afford to take even a single vehicle off the road to get it painted, and there's an obvious problem for single vehicle businesses. Margaret O'Rourke perceived a problem in laying up people's pleasure crafts or business vehicles for so long. She also saw that the shortage of signpainters in the busy spring season was driving people to frustration. She decided to start making signs that would let the boat stay in the water and could speed up the entire process. There had to be a way to get a quality sign made quickly and efficiently. She set about researching and investigating possibilities. The answer was a new com- puterized lettering machine simply called "The Signmaker". O'Rourke was impressed by the versatility of the machine, something which she's learning more about every day. MEO Enterprises, O'Rourke's fledging company, can use The Signmaker to create vinyl signs which are guaranteed from 5 to 7 ™ years. They are likely to outlast the paint on most boats. For start-up capital O'Rourke relied on her own savings. That's why the $20,000 cost seemed high. But compared to many other so- called "small'"' businesses, that really isn't a large investment. O'Rourke realizes that her signmaking solution is not unique, but she hopes she has entered on the ground floor of what promises to be a growth industry. ""You can go down to the marina and see a lot of vinyl,' she says. But she adds that her shop will likely pull in the extra business that local sign- painters can't handle when de- mand is high. Based on all indications, though, she'll probably carve her own niche in the business. Her signs are perfect in every dimension because they are created by a machine. They are clear, crisp, and colorful, everything a good, expressive sign should be. To track the exact future of the business would be difficult, but an indicator of potential success with such a machine comes from tradi- tional signpainters. Many of them are purchasing The Signmaker to stay competitive. Said one painter, "It can only complement my business." O'Rourke calculates her charge for making a sign based on material cost, shop fees, and a markup. The end result puts her in a very competitive position versus signpainters. On smaller jobs the margin isn't as great, but on large jobs, MEO Enterprises will usually beat the competition hands down. Perhaps competition will stiffen as other companies tighten up, but for now it looks like O'Rourke has a machine that could just as well be printing money as making signs. ; N Or ae ed wee ie In accordance with the Environmental Assessment Act Subsection 7(1) Notice of completion of review of an Environmental Assessment for proposed North Simcoe Waste Management Association Landfill EA Public comment now being accepted An environmental assessment Central Region Office Copies are also available at All comments and requests THE HEART OF HURONIA presents Market In Review with Patrick Kearns from Dominion Securities Daily at 6:10 p.m. has been submitted by the 4th Floor the offices of the clerks of the . fora hearing must be received North Simcoe Waste Manage- 7 Overlea Blvd. Townships of Tiny and Tay, the in writing no later than Sept. ment Association (NSWMA) for Toronto, Ontario Towns of Midland and Penet- 30, 1988, and should clearly a proposed landfill site to be M4H 1A8 anguishene, and the Village of reference the North Simcoe located on the west half of Lot (416) 424-3000 Port McNicoll and Victoria Waste Management Associa- 10 and the southeast quarter of Harbour. tion Landfill Environmental Lot 11, Concession 2 in the Seal T LN Assessment and be addressed Township of Tiny, County of -- A) to: Simcoe. ate i No Jim Bradley Before a decision is made ae 'i Minister of the Environment on the acceptance of the ye 15th Floor environmental assessment, the \ ay 135 St. Clair Avenue West public has the right to make | el ig 3 Toronto, Ontario M4V 1P5 submissions on the proposed ANTI ood ante undertaking, ne ALS ll Eanes UGrs G Take the opportunity to assessment and the review. 3 3 F The public also has the right to 2 gee a Sp RS SON require a hearing. Ba25 Only those who make oper comments and/or request a How do you get the ee hearing in writing wil roneite information you need? Waverley] _further notices about any = ie me f Copies of the environmental eral a paca sreet clad assessment and review may be accepted or amended and inspected during normal accepted without a hearing, business hours at the following have the opportunity to again Ministry of the Environment request a hearing on whether offices: the undertaking should be Environmental Assessment approved. Branch irs Ifno comments and/or 7th Floor hearing requests are received 135 St. Clair Avenue West the undertaking may be : Toronto, Ontario M4V 1P5 FLOS approved at the same time as (416) 323-4629 pnt komo nee the environmental assessment Barrie District Office : § : es without further public notice, 42 Fairview Road North Pee eae) Bie aa eee aig allowing the North Simcoe Barre, Ontario LAN 4P3 Spicer a een ee eget (705) 726-1730 tion to proceed. AREA 41 -- LOCATION PLAN Y) Environment Ontario Jim Bradley, Minister Page B6, August 1988