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Home My WebLink AboutTimes Advocate, 1991-02-06, Page 6Payr 6 astfltmilmsr, Tines -Advocate, February 8, 1991 COMM UNITY Amer Eight In the running for the Kirkton - Woodham Carnival Snow Queen The crowning will begin Saturday eve- ning at 8:15 p.m. at the Winter Carnival Dance Marianne Damen Tby Manshard elephone Laura Hardman sponsored by� WrittenFood Daphne Damen sponsored by Kirktcn Market Katie Paul sponsored by McNaughton Shell Sue Selves sponsored by K -W Optlefst dub Melanie Luckhart Laura Taylor Pearl Meadows sponsored by Lockhart sponsored by Stephen's sponse! by Uk:h Trailer Transport Antenna SwWc Sams New dairy technique solves milk poIIutIor GUELPH - Cleanliness is a top priority for dairy farmers, but -it creates a pollution problem called "milkhouse wash water," the resi- due kft from flushing milk collec- tion systems. Researchers at the University of Guelph say a manage- ment technique they've developed can eliminate pollution and save farmers money. Land resource science ► fessor Pieter Groenevelt and urate stu- dent Mitch Anderson ve devel- oped a two- ' way to manage them or than 1n 11 �t of wash water ' 6 arced by �daar ng a typical "It's cheap, simple each � and it works," says Anderson. Their system is based on a separ- ating the two cycles that makeup a milk collection system's cleaning. The first cycle is a simple flush of the system with water; to rid it of residual milk. The second, using a phosphoric detergent and phosphor- ic acid flush, disinfects it. The first rinse solution is only slightly watered down, containing 95 percent of the total residual milk in the system, and that's too much milk for farmers' septic systems to handle. Ultimately, their systems' weeping beds get clogged, creating a quagmire of spoiled milk. When this happens, the septic system shuts down, forcing farmers to dump the second rinse wherever The problem is that the socon4 rinse acid and doter- -. ) s phosphorus ooncentra, I., I'. that areW Woesover the. guidelines set by the Ministry of the Environment -- equal to 600,°., boxes of phosphate laundry deter- gent eter:gent a year per farm. Phosphorus reaching streams and lakes causes excess algae growth, and when the algae decomposes, it depletes the oxygen in bodies of water, killing fish and releasing toxins. The way to solve the problem, say the researchers, is to keep the sepdc system clear by directing the first rinse elsewhere. They say its high milk content makes it ideal for feeding to calves. Such man- agement can also save money, be- cause fanners would normally buy and feed a milk substitute to their Thecalves thinnersecondwash can go into the septic system as usual. Because phosphate is immobile in soils, septic systems completely eliminate any phosphorus pollu- tion. The researchers found that clogged systems will restore them- selves in 10 months and will con- tinue to work successfully as long as the first rinse is directed else- where. This study is sponsored by the Ontario Ministry of Environ- ment. Blue Water Residents busy working at Easter crafts ZURICH - On Monday evening, a video was shown entified Amish, Nol So Modern. Refreshments followed. Residents who have been out re- cently were: Lydia Regier, Aaron Gingerich, Gerald ORourke, Frances Dunn, Everett Haist, Pearl Hooper, Nelson Howe, Ann Wil- lem, Herb Pfile, Marcella Dietrich, Dorothy Bapty, Emilie Hardie, :atSnell, Lucinda Keller Broom. We welcome Lorne Devine who B has taken up residency in the Home. He formerly resided in. the Blue Water Rest Home apartments. We appreciate the donations of various materials for the hobby shop. Residents are busy working on articles for the Easter trade. Bingo was played on Friday eve- ning followed by refreshments. The Sunday evening chapel ser- vice was conducted by Rev. Ed Laksmanis of Crediton United Church. Doug Lewis presided at the organ during the service. Pltk c Vullfill-A "THE SINGLE MOST IMPORTANT DETERMINANT OF INVESTMENT SUCCESS WILL BE ASSET ALLOCATION" Fortune Magazine 1991 Investor's Guide 1.000 'OM Allocation ...a --14. CUM,"z...-O. ,.-s a es n.S. Hoe- Rccg-rr ALLOCATION OCT. 31/76 OCT. 31/90 ...Come to Fincher's We have special savings in store. For you and your valentine.' As deviations from normal increase, the model allocates a greater weighting to the asset that has deviated positively. Thus the model develops a mix of assets, and depending � •.. on circumstances, the weigh,ean.vary from 0-100% in any single asset. Gni' ee nadian Equity Fund Limited sstst33 AGF M Market ney Account AOF Canadian - Bond Fund $420,221 SAVE 15% to 30% GIFTWARE •Figurines (Including: Treasured memories and dl other Figurines) •Spun Glass •Trinket Boxes• •Kitchen Items •Potpourri Sets• •Brass Frames •Giftware Items For Men• •Decorative Wall Plaques. • PLUSH TOYS (SALE ALSO INCLUDES ALL ANNIVERSARY & WEDDING GIFTS) For your SPECIAL LADY or MAN Give a gift of quality ALL TILLEY 0/O LEATHER o% REti. PRICE 77 79 91 83 MORE TRUE OF RRSPs What Fortune Magazine has to say about Asset Allocation is even more true of RRSPs where dividends and capital gains,are reinvested'in pretax dollars. How you allocate your RRSP between stocks, bonds and the money market can have a bigger ihlpect on your long-term returns than the specific investments you make. The problem is timing. When should you get out of the stock market? When is it time to switch into bonds? Does keeping your RRSP in cash make more sense in this kind of economy? OBJECTIVE ANSWERS AGF's Asset Allocation Service offers a computer based system for deciding on when to change your RRSP asset mix. The system is based on a proprietary computer model of a major U.S. brokeralge firm, which evaluates over 17 years of relative returns of cash, stocks and bonds. The model has been tracked through all kinds of markets, and although the past is no predictor of the future, the results were impressive. For example, in October 1987, just before the major market decline, the model weightings were 9% cash, 8696 bonds and only 5% stocks! HOW ASSET SON WORKS The model operates by constantly calculating expected rates of return on cash, stocks and bonds in the U.S. and comparing current relationships with historical relationships. 97 WALLETS COMPANY'S COMING COOKBOOK Choose From 95 10 different SHOO QUEEN STREET KINCARDINE MAIN STREET, EXETER For The Man In ALL DEL •Cut •Haemes' 'Boats •M/tary• o� now IT AP!%1>gi'>af CANADA AGF implements the Asset Allocation Service by utilizing three AGF funds t9 represent the three asset types: AGF Canadian Equity Fund Limited (stocks), AGF Canadian Bond Fund (bonds) and AGF Money Market Account (cash). When AGF backtested the model using these funds, . the results were impressive as illustrated at left. An RRSP investment of $100,000 on October 31, 1976 would have grown to $1,031,791 by October 31, 1990. These returns are after all management fees, assume a 296 transfer fee with each switch and assume reinvestment of dividends/ distributions. COST An RRSP investment is made among the three funds, and is subject to an initial or deferred sales charge (detailed in the prospectuses). Transfer fees of 0-296 will be charged each time a switch is made, subject to an annual maximum of 296 of the aggregate net asset value of your holdings. MORE INFORMATION For more information on AGF's Asset Allocation Service and relevant prospectuses, talk to your stock- broker or mutual fund specialist. You can also use the coupon below or call us 'loll Free at 1-800-265-3478 , and v arrange to have th• sent out to you. ACT ASSET YES, I'D LIKE TO HEAR MORE: PLEASE ARRANGE TO HAVE U FORMA11ON ON AorS ASSET ALLOCATION SERVICE SENT TO M. Guy C. Bean RBC Dominon Securities Inc. 188 Main Street South Exeter. Ontario, NOM ISI Name' Address • City: Prov.: Postal Code Lome Phone: Bus. Phone' ("SO`j ; • f ri :•i�r 1�� ' .r f �1 t ( JAY y,... AGT ASSET ALLOCATION ) s sdveb.m.n s not to be monied as a public offering The oaarnq is mad% solely by 0r relevarM prospectuses, wtudt =mein deals dal charges. The Ar.. Alooafoo Service may be wined by , investors widen in those jurisdictions where AOF ft peitratted lo administer the service. dopes of the prospectus.s may be obtained from en investment dealer or mutual fund specisbmm arose jurisdictions Please read Ham pcor to -making a purchase and rerun them for reference. RNss of return Mown are average annual compound returns ler the periods intimated. and ate calculated on the net amiss Invested. 990: Mut 14 Toa 18 rots 18. 8 } MUM assume reinv.strakrs el assn t9 a. vidimcis 3dyeaarss �. Ryysa. -1448. Fa A Canadiareturn for Nem n Emmy Fundce Service and ream 14 048.10 you* 8.311 rear. 2.148.3for the underlying funds are as follows. fcs pyMan - 18w. t mar -24 g October R% For AOF Can.dun Bond Fund: 14 years 10.848 10 year 12.191.8crean 8.811, 3 years 1148. I year Mk For AOF Money Market Account: 14 year. 11.0%. 10 years 11.34, 3 yeah 1.0%, 3 years 1084.1 year 12.148 Rates of reran be reduced by any .ales dirges *Ned apply. 0 OFF • You'll Find It at... SHOPPERS $01.1iig 4ODERICH BOOKS •GIFTS .STATIONARY UMW a7VYs RBC DOMINION . SECURITIES Gary C. Bean RBC Dominion Securities Inc. 186 Main Street South Exeter, Ontario NOM 1S1 (519) 235-2231 1-800-265-3478 ti