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Home My WebLink AboutTimes Advocate, 1998-02-18, Page 5• iTSYQiJ1LBLSfNESs. Hartman branches out with custom operation Farm ready. Eugene Hartman is ready to help farmers with their manure spreading needs after establishing Hartman Agri Services at the beginning of the year. By Craie Bradford T -A Reporter EXETER - Eugene Hartman doesn't mind working with manure. Hartman, 42, started Hartnian Agri Service at the beginning of this year. "i'he custom operation tea - tures a "Terra -Gator and Houk pumps, a combination that's "the hest" in Hartman's opinion for the . job. - Though Hartnian has Only about a year's experience prior to launch- ing his own venture in the liquid manure business. he feels his equip- ment, low prices • and Owner/ operator service can't he heat. But starting your own business can be a scary thing. especially as you get older. Hartman says he's up to the challenge and feels busi- ness will he booming beyond his current workload of eieht farms. "With all the new Karns going up I said why not," Hartman said about breaking oft on his own. "There's not a lot of jobs out there for guys my age. And it's nice to own my own business." Manure pumping and spraying is quite a departure for Hartman 4. Business Directory AUCTIONEERS MOUSSEAU AUCTION SERVICES Hensall Ont. All types of auctiocs. Complete service. Willpurchase partial or complete estates. Bra'd Mousseau Auctioneer (519) 236-4558 x************w**** Filson & Robson FULLY LICENSED & BONDED, CALL OR FAX (519) 666-0833 3 Auctioneers for the Price of 1 With modern equipment Pickup and sell complete •or partial estates Specializing in Farm, Real Estate and General Sales K 41 41 REPAIRS Sewing Machine Repairs to all makes . Free estimates 90 Day Warranty Experienced since 1952 Sew and Save Centre Ltd. 149 Downie St., Stratford Phone 271-9660 Changes to Canada Pension Plan discussed at seminar By Chantal! Van Raay T -A Reporter EXETER - Because of a rapidly growing population -of retirees. changes to the Canada Pension Plan (CPP) were essential, explained Human Resource Client Service Officer Nancy Cuthhertson at a CPP seminar Wednesday night. "We realized it we continued the plan as it was we wouldn't have been able to sustain future generations." she said. "Canadians wanted the Canadian Pension kept so we decided we •had to come up with a whole new plan." Changes which occurred to the CPP. effective Jan. 1 were dis- cussed at the Ranch House. Cuthhertson spoke to residents about - what the changes mean to then». both now and in the future. Changes to the CPP may have an impact on entitlement to certain benefits payable under the CPP. Two changes which occurred in- clude Bill C-57•and Bill C-39. Bill C-57 introduced a change which allows CPI' disability ap- plicants who are disabled. but do not have enough recent contribu- tions to qualify for a disability pension. The new provision protects contrihuters who in the past were denied a pension because they ap- . plied late. Bill C-39 introduced several amendments. One of these helps se- verely incapacitated individuals who were not eligible for CPP ben- efits because the application was not made on time. The legislation. was modified to give consideration to applicants who because of their incapacity were• unable to complete the tones or express their intention to, apply. Cuthhertson said the changes to the CPP were essential. The al- terations now allow for a more affordable. sustainable and fair sys- tem for everyone. Below is a.hst of some of the changes. They du not affect CPP re- tirement pensions: disability benefits. survivor benefits or combined benefits that were paid on Dec. 31. 1997. it also does rot affect the future retirement pensions of anyone over 65 on Dec. 31, 1997. Changes to Canada Pension Plan Contribution rates • Rising to 9.9 per cent by 2003. then held steady • Will not rise above 9.9 per cent Year's Basic Exemption (YBE) • Frozen at $3,500 Retirement Pensions and Earnings -Related Portion of Dis- ability/Survivor Benefits .• Adjust previous earnings based on average of last five years of Year's Maximum Pensionable Earnings (YMPE) Eligibility for Disability Benefits • Must have earned at least 10 per cent of the YMPE in each of four of the last six years Retirement Pensions for Disability Beneficiaries . • Based on YMPE at time of disablement, then indexed to prices (Consumer Price Index) . Combined Survivor/Disability Benefits • Ceiling is one maximum disability pension; limits on flat rates Combined Survivor/Retirement Benefits • No change to ceiling; limited adding up of benefits Death Benefit • Equal to six months retirement benefits up to $2,000, maximum frozen investment Policy • As of April 1 new funds invested in a diversified portion of secur- ities Provincial Borrowing . • As of April I, limited provincial borrowing at their own market rates National Trust OUR !i RRSP SALES REPRESENTATIVES HAVE OVER 84 YEARS COMBINED EXPERIENCE IN THE FINANCIAL SERVICES INDUSTRY LICENSED MUTUAL FUND REPRESENTATIVES (from left) Jean Jacobe (Service Manager), Beth Prouty (investment Services Officer) W. Brent Gotta (Branch Manager), Marion Snow (Retail Lending Officer), Eleanor Armstrong (CSR Ii) Our Exeter Team offers a wealth of Investment experience, and National Trust offers a full line of RRSP eligible Products; Stock•indexed GICs, Mutual Funds, Asset Allocation Services, and RRSP Catch-up Loans. Help us identify the solutions you need to meet your investment goals by contacting one of our sales representatives today. Its 425 Main Street Exeter, Ontario 235-0530 1 whose prior jobs included being the farm manager for Crest Centre out- side Lucan (a facility for those with psychological disorders) and work- ing with kids with disabilities at Exeter's Anago. One link Hartman has to the manure husincss is he grew up on a farm in Dashwood and has always been close to his fanning roots.. For those not familiar with what Hartman does, here's a thumb -nail sketch: pork, dairy and beef farms store their animals' waste in hold- ing tanks; Hartman goes to the farm and agitates the manure so it has the same consistency throughout, something called, 'slurry'; he then pumps it up to the Terra -Gator; next, he goes to the fanner's fields and sprays the manure on top of the soil in a thin and uniform layer. The spraying of manure both dis- poses of the manure and fertilizes the fields. The practice has- come under close scrutiny due to in- creased bacteria levels in Lake Hu- ron that has closed down beaches in the .summer and has environmental advocates bemoaning the lake's and suhwatcrshed's water quality. Hartnian says it's to a farmer's ad- vantage to responsibly dispose of animal waste since they too must use the water. "Most of the farmers I deal with are very concerned about water quality," Hartman said. "'They are very careful where and • when they spread it." Hartman added he never spreads manure next to a creek or when it rains and he sprays the waste in an even pattern. CORRECTION NOTICE We wish to draw your attention to the following in our current "Storen/ide Savings" flyer. , Page 1. Nassar Select Battery. 10- 9095X. Copy reads: Reg. 119.99- 139.99, Save 20,1)0. Should read with trade in: 99.99-119.99, Save 10.00. Page 10.•6" Bench Grinder, 55-3503- 6. PRODUCT ILLUSTRATION IS INCORRECT. SHOULD BE BENCH NOT. DELTA PRODUCT. We'sincere/y regret any inconvenience we may have caused you. enote 306-98 zones all excl. 8/919 alt Times -Advocate, February 18, 1998 Page 5 Becoming Integrated. From left, Don Crackel of St. Marys Horizon Poultry, Bill Dygos and Ron Reeves of London's Guillevin International. Gabriel Robichaud of Hensall's Gen- eral Manufacturing, Darryl MacKay of Huron Park's Exeter Machine, Bryan DeVito of Guillevin, George Palsa of Central- ia's Dashwood industries and Jason Brown of Exeter's Northlander confer after Guillevin's seminar on integrated purchasing at Exeter's Ranch House !nn last week. Repre- sentatives from many local businesses as well as people from as far away as Toronto and Collingwood attended the seminar to hear more about buying all their industrial, elec- trical and safety supplies from one business. s S 5 s s s S s 5 S S s s s rARM MUTUAL FINANCIAL SERVICES INC. TOP UP YOUR RRSP WITH A RRSP LOAN AT PRIME MUTUAL FUNDS AIC, AGF, DYNAMIC C.I., MACKENZIE, O'DONNELL, TEMPLETON, TRIMARK AND MORE. SEGREGATED FUNDS - CI, ROYAL LIFE, EQUITABLE LIFE, TRANSAMERICA LIFE AND MORE. John Hanson, Branch Manager 497 Main St., South Exeter, Ont. NOM 1S1 519-235-4000 GICs TOP PAYING INSTITUTION s 5 5 S S .st 5 s 5 5 5 5 airs 11.0"%. 370 L 3 MAIN STREET, S. 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