The Citizen, 2015-12-17, Page 8PAGE 8. THE CITIZEN, THURSDAY, DECEMBER 17, 2015.
Ask A Financial Advisor
What is the Importance of Building a Personal Credit History?
Brian Hilt - Financial Advisor
79 Ontario Road, P.O. Box 1450
Mitchell, ON N0K 1N0
(519) 348-9873
brian.hilt@edwardjones.com Member - Canadian
Investor Protection Fund
Why your credit history is important.
Your credit history is your passport to borrowing. A bad, or nonexistent, credit history can
make it difficult to get a personal loan, mortgage or credit card.
If you're young or recently arrived in Canada, you should establish a credit history as soon
as possible. Your history begins when you apply for a credit card or loan. If your financial life
is already in full swing, make sure your credit history remains positive. Your history is
maintained by credit-reporting agencies. It's a record of your credit applications, outstanding
loans, payments patterns and anything else connected with borrowing. Your history is
compiled from information supplied by financial institutions and made available to other
lenders.
Your personal history is reflected in a credit "score" or "rating" assigned by agencies.
Consider it the "grade" you've received for your borrowing practices.
The more positive your history and score, the easier it is to get loans. A history checkered
with late payments or other problems will lead to difficulties.
The key to maintaining a favorable history is using credit wisely. Borrow responsibly and
make payments on time.
Have a question you want answered here? Ask Brian by phone or email.
Continued from page 2
assisted by members and wives of
the Grey Township Fire Department
and members of the Ethel
community.
The Thursday night darts had 13
darters coming out for an evening of
fun. At the end of the night’s play
there was a three-way tie for first
place. Winning the tiebreaker were
Penny Reynolds and Ron Schmidt
for first place honours. The second
place went to Daisy Wong Schmidt
and John Stadelmann. The high
shots of the night were by Ron
Schmidt hitting 140 and Sheron
Stadelmann hitting 123. This week
will be the Christmas party for the
darters, so snacks and special games
will be played. They will be off
from play for a couple of weeks,
returning on January 7.
The Friday night supper had only
a dozen or so diners to enjoy the
roast pork dinner. This week will be
chicken breasts, almost like turkey,
to celebrate the Christmas season.
The cooks will then enjoy a break
for a while until after the new year
and into January. Watch the paper
for the restart of the meals.
The celebration of life service was
held for the late Ken Graber at the
Branch on Saturday afternoon. Well
over 120 attended the afternoon
come and go. Many stayed and a
great time of visiting and
remembering Ken’s life with his
family members, Kathy and Ken Jr.
was enjoyed. Helping the Branch
prepare the luncheon were Linda
Bird, Ruth Lowe, Judy Lee and Jo-
Ann McDonald.
The Saturday afternoon euchre
had a good crowd with 12-and-a-
half tables of players. Winners were:
high, Edna McLellan and Judy
Hahn, 71; second, Gord and Joanne
Dougherty, 68; third, Ed and Marie
Stewart, 67; lone hands, tied,
Shirley Hopper and Helen Dobson,
five; low, Dianne and Ethel Walker,
47. The group enjoyed lunch and all
received a chance at an extra prize
for the day. This was the final
euchre for 2015 and we hope to see
everyone back again in 2016
starting on Jan. 9.
The final Sunday night dance had
a smaller crowd enjoying the music
of the Tri Country Band. The 66
people had lots of room to dance,
lots of lunch to eat and a good
chance at over 30 door prizes to win.
Many of the ladies dressed in the
Christmas finest and they were a
good looking crowd. Dances resume
Jan. 10. We hope everyone will
drop by to enjoy the joy of dancing.
Christmas party set
for Legion darters
Continued from page 2
joins in singing Christmas carols.
carols. The thrill of singing with a
full church, hearing the beautiful
music of the voices, a flute, violin,
piano, organ and guitar and the
combined choir selection is just the
right way to get excited about
Christmas. The offering from the
evening supports the work of the
Brussels Ministerial, so once again,
everyone benefits.
Ken Graber’s family and friends
gathered at the Legion on Saturday
to celebrate Ken’s place in their
lives. Kathy, Ken and the
descendants heard lots of stories of
Ken’s part in their lives, shared
memories of Ken were a comfort to
remember in the weeks ahead. Like
Poppa Carl Graber in appearance, he
could be a little intimidating at
times, but really was a snuggly teddy
bear who loved people, just ask the
grandchildren. So to a life well lived,
goodbye Ken.
Enjoy all the fun things of this
season, but be good to yourself, get
your rest, eat right and wash your
hands. You really don’t have time to
get sick.
Bye now, Betty G.W.
Ministerial Christmas concert held at St. Ambrose
until December 20
1 mile south of Blyth ~ 519-523-4595
No Tax on Boots,
Shoes & Sweaters
Getting in the Christmas spirit
The annual Brussels and area Ministerial community choral concert was held at St. Ambrose
Roman Catholic Church in the village on Sunday. Choirs from local churches, including the
Melville Presbyterian Church, shown above, sang seasonal songs and hymns to celebrate the
Christmas season. The Haskin family, below, accompanied the Brussels Mennonite Fellowship
choir singing ‘Silent Night’. From left: Selena, Michael and Sue Haskins. (Denny Scott photos)
Warden Gowing reflects on 2015
In previous years, Huron County
Council would have elected a new
Warden at its December meeting,
but with the first two-year term now
entering its second year, Warden
Paul Gowing last week reflected on
the year that was.
Gowing said it has been a busy
and productive year and he sees now
why it was important to institute a
two-year term. Many of the projects
Gowing hopes to see through are
still ongoing, he said, so he feels the
two-year term was a step in the right
direction.
With the turning over of the year,
however, new chairs needed to be
elected. Ashfield-Colborne-Wawa-
nosh Deputy-Reeve Roger Watt was
nominated as chair of the council’s
committee of the whole day one
meetings, which he accepted and
South Huron Mayor Maureen Cole
was nominated as vice-chair of
committee of the whole day one – a
nomination she declined.
In turn, South Huron Deputy-
Mayor David Frayne was then
nominated for the position, which he
accepted.
***
The County of Huron approved
maintenance grants to the Brussels,
Bayfield and Zurich libraries with a
small increase over the amount
granted the previous year.
The three libraries are the three
newest in the Huron County library
system.
Huron County Librarian Meighan
Wark said that she is attempting to
shift the internal library system from
two tiers to three and that the three
aforementioned libraries are part of
that change.
Libraries within Huron County are
categorized based on both size and
usage and those factors dictate things
like the maintenance grant and hours
of operation and Wark feels that a
two-tier system is too broad and
should be shifted to three tiers.
Each of the three libraries will
receive maintenance grants of
$12,000 annually.
Several councillors said the grants
were important, especially for those
three libraries, as they have seen
increased usage since renovations
were completed.
David Frayne, South Huron
Deputy-Mayor said that Huron
County libraries are well used by
community members for a variety of
reasons, so he was in favour of
supporting them financially.
***
Huron County staff will prepare a
report based on a request by
Moorsom Companies regarding the
development of a property on the
northwest corner of Highways 4 and
86, just outside of Wingham.
Rob Moorsom, president of the
company, spoke to council on the
subject, saying he would like to
acquire the county property between
Hwy. 86 and their development
lands with the intention of infilling
the property.
Several councillors expressed
concern with the property,
especially due to its proximity to the
Maitland River, and felt they
shouldn’t make a decision at the
Dec. 9 meeting, but that staff should
review it further and report back
prior to council making a decision.
Moorsom, in speaking to council,
said that infilling the land would
cost $500,000 per acre. He added
that he had been involved with the
exact same process at the northeast
corner of the intersection (where a
Tim Hortons is currently located)
and he has retained the same
professionals, so they all know
what’s required.
Council was insistent, however,
requesting a report that will be
presented to council at a future
meeting.
By Shawn Loughlin
The Citizen
#1 And We Still Try Harder
Recent circulation figures show The Citizen has the
highest circulation in the northern part of
Huron County, #3 in the entire county.
The Citizen ~ Proudly Community-Owned Since 1985