HomeMy WebLinkAboutTimes-Advocate, 1999-02-17, Page 1414
Exeter Times -Advocate
Wednesday, February 17, 1999
Osborne/South Perth speeches Bible study set up at Centralia church
Winners of the Usborne Central/South Perth Centennial speech contest, held on
Feb. 8 at the Kirkton/Woodham Community Centre, are front left, Charlotte
Picket (Grade 4, South Perth, 1st Junior Girls), Eric Cosman (Grade 6, Usborne,
1st Junior Boys),Adam Case (Grade 7, Usborne, 1st Senior Boys); in back from
left are Lindsay Hewitt (Grade 7, Usborne, 2nd Senior Girls), Sarah Neeb (Grade
6, Usborne, 2nd Junior Girls), Erica Levy (Grade 8, South Perth, 1st Senior Girls)
and Matthew Brine (Grade 4, South Perth, 2nd Junior Boys).
Task force report shared at UCW meeting
CENTRALIA - The 32nd
annual meeting of the
United Church Women of
Huron and Perth was held
on February 8 at Centralia
United Church. Zion West
women were the hosts for
the day, with president
Nancy Krammer of
Thamesview presiding
over the business.
Lively singing of hymns
new and old, followed by a
meditation and commu-
.pion set the tone for the
day. Bible Study leader
Rev. Cheryl -Ann Stadel-
bauer Sampa of Central
United in Stratford, used
the scripture story of
Joseph and his dreams to
engage thoughtful discus-
sion about stewardship.
The `Tater' family pre-
sented a humorous skit.
The commentaries of Mrs.
DICtater, Ms. AGltater,
Ms. IMltater and Mrs.
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ACROSS
1. Emoting opportunity
5. Lost, as a lead
9. Edgy, slangily
10. Spanish melodies
12. Predestine
13. String of pearls
15. Hawaiian staple
16. "_ not what..."
18. Oversized tart
19. Stopover location
20. Lduder of cosmetics
22. " To A Nightingale"
23. Spurred (on)
25. Brought into harmony
27. Toothpullers' gp.
29. _ Yat-sen
30. Refusing to let in
34. Prescribed doctrine
38. Attorneys' org.
39. Bonaparte, in Elba
41. Maze marathoner
42. Still
43. Once lifetime
(2 wds.)
44. Mart i�ie's man
45. Suffocate
48. Pad
51. Snub
52. Promotes
53. Actress Erin
54. Energetic
DOWN
1. Teasing harshly
2. Mouths
3. Aloha wreath
4. Ferber and Purviance.
5. Wicker items •
6. Pierre's ben
7. Be incorrect
8. Combat instrument
9, "Sorry, ! Number"
11. Like Paul Lynde's humor
12. Mayberry lad
14. Property title
17. R.R. depot
20. Cantor or Fisher
21. Piano exercise
24. Shucked item
26. Numero
28. Disquietude
30. Prolonged howls
31. Becomes an accomplice
32. Appraising
33. Whitney invention
35. Like sandpaper
36. Fabricates
37. Egyptian god
40. Wears well
46. Pete's sake!
47. Mauna
49. Alley of the comics
50. Parka's hood trim
HESltater along with the
other `tater' folk, reflected
personalities. -
Sheila Duffin, Tharndale,
presented an overview of
the task force report
"Women United -
Widening Circles". The
task force is studying the
role of women's groups
within the United Church,
and will report to the year
2000 meeting .of the
National Church.' Locals
were encouraged to fill out
the second questionnaire
and forward it to the task
force by June. Response to
the first set of questions
was very good and the
input is valuable. Rev.
Kathi Urbasik-Hindley,
Chair of Huron -Perth
Presbytery. _conducted
installation of the 1999
executive. Margaret Hern
of Zion is the new
Presbyterial President.
One hundred and fifty
women representing the
61 UCW's in Huron -Perth,
shared in the fellowship,
study and worship.
By Marry Peterson
CENTRALIA CORRESPONDENT
CENTRALIA - At Centralia and Zion
West United Churches, Bob Heywood
was the worship and music leader on
February 14.
Minister Heather Scott participated in
the Sunday School activities. She read
a story and joined the older children in
their class.
Following worship, the Sunday
School hosted a Valentine's Day lunch.
There were decorations including bal-
loons and red carnations.
Donations for the Healing Fund were
accepted.
Upcoming activities
The Pancake Supper and worship at
Centralia United Church on February
16 marked the beginning of Lent. The
word `lent'- comes from a Latin word
lenten'. meaning springtime. Like the
spring, Lent is a time for rebirth and Euchre results
new beginnings. There was a good turnout recently
Ministerifeather Scott will offer Bible for the euchre games in Crediton.
Study during the six weeks of Lent. Winners of the High Points were Lillian
There are several programs available. Baynham and Walter Weber. Helen
They include 'Exploring Rural MacDonald and Doris Pfaff were the
Theology', 'Five Steps to' Christian Lone Hand winners. The Low Point
Discipleship', and `Lentscapes.' More winners for the day were Betty Hall
information about each course is post- and Ralph Weber.
ed at the church. Bible study will begin
during the week of February 21. Call
Minister Scott at 228-6974 to sign up.
Further information will be provided
for the dates, times and meeting places
for the courses.
There is also opportunity to gather
together in prayer and meditation. If
interested, contact Minister Scott for
details.
The first Sunday in Lent is February
21. The Sacrament of Holy Communion
will be celebrated at Centralia and
Zion United Churches. There will be a
special offering at Zion in support of
the Hutton family in Elimville
A Folk Choir will begin at Centralia
United Church. The first practice will
be February 28- at 1 p.m. Everyone is
invited. Zion will hold the World Day of
Prayer service on March 4 at 8 p.m.
Men, women and children from
Centralia and Zion are invited to par-
ticipate.
`Love' is the themefcr Caven PCW
EXETER The regular
meeting of Caven Y.C.W.
was held Feb. 8 with
lunch at a table decorat-
ed for Valentines.
Devotional was taken
by Helena Toonstra and
Dorothy Moffatt with.
Love as a theme followed
by the scripture lesson.
The story of Valentine's
day was told by Dorothy
Moffatt.
Rev. Lillian Wilton was
the guest speaker and
spoke on the significance
of the colours of the
Pulpit Falls which coin-
cide with the church sea-
sons of the year. Using
Pulpit falls seem to have
started since World War
IL
The annual meeting of
the Huron Perth
Presbyterial will be held
Feb. 19 in Stratford, Knox
Presbyterian Church.
Question: Shouldildren come to
the funeral home.
Answer: Learning to accept death
is a natural experience in life
which must not be ignored. If you
do not feel comfortable bringing
your children or perhaps not feel
prepared for questions that they
may have, arrange to bring your
children at a time other than
visitation hours or when the
Funeral Director is available to
help answer questions. Children
who want to come should certainly
not be denied the opportunity.
Encourage participation in group
tours such as 4-1-1 or School
HOPPER. HOCCEY
1- l NE RAL 1-1 0 :1 E
370 William
Exeter, Ont.
Yesl l would Nice
Name
Address
Town
Telephone
St.
World Day of Prayer is
March 5 at 2 p.m. at
Thames Road. Church. A
Hobo Luncheon will be
held at Caven on March
10. Tickets are available.
Time is from 11:30 to
1:30 p.m.
Bill
Haskett
i
Marianne
(519) 235-1220
Off Street karking
tor" ....
a free copy of "Should Cit8lruu Know A
Postal Code
Should you pay off your
mortgage or invest in a RRSP?
This is a common dilemma facing many of
us and what i hgpe to explain today is that
there are a few sih$ee.calculations that can
assist in making the right choice. Let's
look at and compare the alternatives.
Your mortgageis probably the largest
obligation you will ever have and because
payments are made with after tax dollars,
it is a very expensive debt. There are several reasons which make
paying off one's mortgage a priority; the most important being the
satisfaction you sain being out of debt! Every dollar you pay on
your mortgage comes directly off the principal (assuming your
mortgage has a prepayment option), which reduces the debt and
saves you significant interest costs. For example, on a $100,000.00
mortgage, prepaying $5,000.00 each year will save you over
$80,000.00. Following this strategy, you would have your
mortgage paid off in less than half the normal time.
RRSP's are a very important investment and by contributing early
and regularly, you are.able to accumulate a large portfolio in order
to afford a comfortable retirement lifestyle. Most Canadians are
becoming aware of the faL, that when they reach retirement many
of the government programs will be scaled back or eliminated.
Many company pension plans may not be adequate to maintain the
desired standard of living in retirement. Following the strategy
that you will sell your home, purchase a smaller one and then use
the difference to fund your retirement is not the best plan. The
days of house prices increasing to this level are probably over and
you may find that when the time comes, you simply do not wish to
part with your home.
Keep in mind that RRSP contributions are tax-deductible. .You
must also take into account the fact that your investment will grow
tax free within your RRSP plan. In pure investment terms if you
are in a 50% marginal tax bracket, a $1,000.00 RRSP contribution
is equal to $500.00 after tax money, which could be re -invested
into RRSPs or used to pay down your mortgage...we're getting
back to the dilemma!
Often, during these years, it is very difficult, if not impossible, to
both reduce your mortgage and add to your RRSP at the same
time. One solution is to compromise by putting as much as you
can afford towards your RRSP, and the use the resulting tax refund
to down your mort
Whpayen trying to decidegage. what's best for you, yqu must take your
own circumstances into consideration There are a few basic
factors to consider which might help you decide on the best course
of action. These are your marginal tax rate, your age and where
you are in your mortgage amortization schedule. Your marginal
tax rate is important because the higher your tax rate, the greater
the tax savings by making a RRSP contribution. Your age is an
important consideration as the further you are from retirement the
more time your investment has to grow. A compounding factor is
that interest rates arc very low right now, and not projected to rise
significantly in the near future. Therefore, an investor who has a
diversified portfolio of stocks, mutual funds and fixed incomes
may realize greater returns over time than can be saved by
reducing the mortgage. Finally, where you are in your
amortization schedule on your mortgage makes a significant
difference because you save the most interest the earlier in the
term you make prepayments. Conversely, prepayments in the last
few years save you relatively little in interest.
Everyone's pals and needs are different, therefore, it is important
to consider all of the variables and, together with your financial
advisor, determine which course of action is the best for you.
Michael Skochinski is an investment executive with
ScotiaMcLeod. He can be reached at 660-3254.
1
Michael Skochinski
J