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HomeMy WebLinkAboutThe Huron Expositor, 1983-09-07, Page 18YS�� IiVT ,I),1 °OII: E URNACE 'Repair and Clewing 24 HOLIRSERV10E PARATOHEWS MAIi ENO. NCE Dublin 345;2235 Hank's, Small Engines •-Service 1 MILE NORTH OF LONDESBORO 523.9202 Lawn and Garden Equipment Repair New and Used Garden Equipment In Stock Auction Sales RICHARD LOBB AUCTIONEER Clinton 482-7898 AUCTION CALENDAR SAT. SEPT. 10, 10 a.m. Furniture, etc. at Rich- ard Lobb's Barn, Clinton for Richard Moore, May Gibson and Mitchell, Ont. home. WED. SEPT. 14, b p.m. Garage tools and house- hold effects for Martin DeJonge in Woodham. FRI. SEPT. 16, 10:30 a.m. Lobb Bros. Ma- chinery Consignment Auction. Phone 482-3409 to consign equipment. WED. SEPT. 21, 6 p.m. Antiques. furniture and appliances for Mrs. Clara Shantz at St. Jos- ephs hall, Hibernia St., Stratford, Ont. , tlittite FARMERS For a good farm. building at competitive •prices PH'NE r RAY CAMBERS CONSTRUCTION R.R. #2 Clinton 482-3305 FREE ESTIMATES Geo: A. Sills & Sons Home Hardware MERCIIANTS PLUMBING,HEATING & ELECTRICAL CONaRACTORS pne 527-1620 Seaforth _..,,,, t,,;.,r,•a., t,ni PH. 393-6181 PHE ANS pLACE) a' t &.,HURON 1 cP08ITPR,'5EPTEMBEH 70 1983 , A11 Auction Solos >: Caird a°f Thanks L '"ONEARIO'S tlar'Qx 1Y' fitful machifiery consignment aide, Norwich; OnttaeBo Friday, September 9/f83 10' atm (Sales conducted second Fr% day each rnonth).i Apace- all pi*0zi- Coi Consignments wed aloe. For 424-999800rn (519) 424.ll 99093. Proprietors K.S. Hkmuleckl & Sons. —_ 20.36-01 Mately 1"50.175 tr ctors;� qe types of farm ui inert.'' DECOI minks to the fire department and evet/one who helped With tIte lire. The De Corte Family 24-3611 In Memoria m fill Elizabeth Court Apartments' 176 Oxford St., Henson 1 and 3 BEDROOM AVAILABLE SEPTEMBER OCTOBER includes utilities, car- peting, appliances, laundry facilities PHONE 262.2846 or262-2615 Garage Equipment AUCTION SALE Vehicles, riding lawn tractor, shop equipment, parts, parts bins, and misc. to be held in the Village of Woodham for Martin De Jonge at the former Case dealer building. Wed. Sept. 14 at 6 p.m. Case 155 ten horse power lawn tractor with 44" lawnmower and hydrastatic drive, 31/2 hp garden tiller, push lawn mower, 16 sections of 2x3x6 ft. high' parts shelves, like new; parts counter 8 ft long, 12 ft and 8 ft steel work benches, Jet 13R bench drill press, heavy duty battery charger, steel desk, upholstered office chair, ski ,valve refacer, pin honing machine, Comet 180 electric welder, acytelene torches, bolt bias and bolts, 2 hp Woods electric grain grinder, heavy duty hydraulic floor crane with telescoping boom legs etc. Techumce 16 hp motor fits 1816 Case Uni Loader, 3x8 auliminated sign plus many other items related to garage and farm equipment business, new parts etc. VEHICLES WILL BE OFFERED AT 8 P.M. 1980 Mercury Zepher 4 door sedan, six cylinder auto,. P.S. P.B., air conditioning, 72000 miles, selling certified. 1976 Ford F150 pick up truck, six cyl. stick, selling certified. 1975 Buick 2 door hard top, selling -as is. FURNITURE: Fancy nine piece oak dining suite, king size bed, combination antique desk and bookcase, ping pong table, recliner chair, chesterfield and two chairs. small desk. two dressers w/mirrors, plus other furniture. TERMS CASH RICHARD LOBB — Auctioneer Clinton, 482-7898 Tuckersmit DAY NURSERY Full or port doy core for children • 2 tri6 yeitrs .Erluaotional, toys, music, crofts. active ondquiet times, indoor and outdoor play areas, hot meals. Full Supervision. Stall hos EARLY CHILDHOOD EDUCATION diplomas. Open 6130 a.m. s7as per doy t45° half doy 55so half day with I nch Special rotes for 2 br more children. Fees ore income tax deductible. Phone for registration - 483-7634 Card of Thanks HARRIS )would like to of Cavanh Church, ank • U.C.W. Winthrop for the lovely com- munity shower and gifts. Special thanks to those who organized it. Your thought- fulness will never be forgot- ten. Vickie Harris 24-36x1 Notice HOUSEHOLD AUCTION for Estate otMarlon Home at Seaforth &District Community Centres Thursday, September 15 at 6:30 p.m. Sale to include piano, fridge and stove, dining room suite, living room suite, bedroom suites, flat to wall cupboard, china cabinet and a complete estate line. Further consignments welcome. Contact Auctioneer —TOM PAPPLE R.R. #4, Seaforth 527.0940 MALONEY We wish to thank our family, relatives and friends for mak- ing our 25th wedding anni- versary a special and memor- able occasion. Thanks also'to all who remembered us with gifts, flowers and cards. Lou and Teresa 24-36-1 DOLMAGE 1 wish to thank my relatives and friends for visits and flowers while in Seaforth Hospital; the nurses for their kindness and Dr. Rodney for his skill in guiding me back to health. Also thanks for the help 1 needed at home with my rabbits. i appreciate everybody's efforts. Anna Dolmage 24-36x1 AUCTION SALE OF HOUSEHOLD EFFECTS will be held for Ethel Fischer in Brussels Community Centre Saturday, September 10 at 12:30p.tn-, Chesterfield and chair, rocking chair, leather chair, pole and table lamps, end tables, pictures, mirrors, clock, Panasonic TV and stand as new, parlor tables, desk, buffet, table and 4 chairs, chrome table and 4 chairs, Westinghouse stove, Kelvinator fridge, Hoover washer, deep free4er, appliances, cooking utensils, 2 sets of dishes, odd dishes, cups and saucers, 2 sets silverware, portable sewing machine, cabinet sewing ma- chine, Hoovfir upright vacuum gleaner, bath set, jonny pole, iron bed, dressers, washstand, chest of drawers, card table and chairs, garden tools, lawn mower, lavtin chairs, numerous articles. For Information phone 887-6397 Terms Cash Owner or auctioneer not responsible for accidents BRIAN RINTOUL — Auctioneer Farm Equipment OF OVER, 60 TRACTORS A 100 PIECES OF EQUIPMENT AT BRINDLEY SALES YARD DUNGANNON Saturday, September 17'83 AUCTION SALE Antique furniture, household effects, log splitter, power hackszw, misc. etc. to be held at Richard Lobb's Barn, Clinton, Ontario for Mrs. Phillips of Mitchell and Eileen Carter, Seaforth. Sat. Sept 10 at 10 a.m. Three point hitch hydraulic log splitter, Bain- bridge power hacksaw, Valley Comfort wood burning stove with fan and thermostat, matching china cabinet, five upholstered seat dining chairs, and dining extends from 20' to 6 ft.. upholstered arm chair, Kroehler chesterfield with pull out bed, fancy drum table, balloon back type chair, like new. nesting table set, fancy small table, three piece bedroom suite, dining suite including four dining chairs, corner china cabinet and drop leaf dining table with one leaf, two door china cabinet. antique bonnet chest w/spooled corners, wicker table, spool bed. trunk, wave front washstand, antique dresser with large mirror, fancy old sideboard, corner what not, several fancy small parlour tables, washstand, clover leaf table, phonograph record stand, rocking chair, 2 drop leaf tables, platform rocker. two chests of drawers. dresser w/mirror, floor lamp, wooden bed, tredle sewing machine, small parlour stove, davenport couch, upholstered swivel rocker, pictures, old fancy electric light fixture, two small cherry slab tables, CB&C London crock churn (cracked), two copper tea kettles, jug, two crocks, three lanterns, lawn chairs, gas push lawn mower, cream seperator, piano stool w/glass ball feet. box spring and mattress for double bed (good one), Hoover carpet sweeper. small appliances. dishes and glassware plus our usual large offering of misc and furniture to numerous to mention. Plan to attend this good sale. TERMS CASH RICHARD LOBB — Auctioneer Clinton, 482-7898 9:30 A.M. Brindley Auctions 15191529.7625 Auctioneer: GORDON H. BRINDLEY BACHERT MEATS CUSTOM KILLING Cutting & Wrapping FREEZING KILL DAY ON TUESDAY All Meat Govt. Inspected on the farm , 1 MILE EAST OF WALTON 887-9328 ROMAINIKI In loving mem, ory 0 our dear daushter Elizabeth and sister` Of Kevin and Aaron who passed away on Sept giber 1, 1982. Our hearts are like a memory book, It'sof pa es, Elizabeth dear Hold all the loving thoughts you Recorded year by year • A book of golden yesterdays Bound with love and care A rare addition Elizabeth Because you're treasured there Never forgotten by Mom, Dad, Kevin and Aaron. 6.36-1 THORNTONI In loving mem- ory of my dear father Joseph Thornton who passed away September 10, 1966 it broke our hearts to lose you But you didn't go alone, Because part of us went with you The day God called you home. Never for a moment Are you very far away Absent and yet near you seem And dearer every day. Lovingly remembered and sadly missed by his daughter Mrs. Ed Regele and grand- children. 25-36x1 VEAL'S Abattoir and Meat Market Hwy. 83-31/2 nines east of Exeter Engagements Mr, and Mrs. Archie Walker, Brussels, Ontario wish to announce the forthcoming marriage of their daughter Patricia to Joseph Moore, son of Mrs. Edith Moore, Moles- worth, Ontario and the late Wesley Moore. The marriage will take place in Brussels United Church, Brussels, On- tario on September 24, 983. 235-1123— AUCTION SALE OF INTEREST FOR THE ESTATE OF LATE FLORENCE MacKENZIE, LUCKNOW and PART OF ESTATE OF LATE MRS. WILBERT ARMSTRONG. BELGRAVE, with some additions to be held at Winghant Auction Centro SATURDAY, SEPT. 10, 1983, 11 A.M. Consisting of: Combination table/bed Y. cut oak, unique - Circa 1900, excellent; large cherry chest; pine harvest table; bow end dh mattress; 3 period dressers; antiantiqueparlourtableSorsa child's table with 2 chairs; 2 2.plece chesterfield ;love .l seat;p; drum, end & smell tables; oak rocker; tform rocker& others; Colonial kitchen table with 2 chairs; several odd wooden chairs; portable Panasonic colour T.V.: 3 fans; several table lamps; painted pine corner cupboard; dining table with 6 chairs; a" bench saw on stand with motor; gas power driven lawn mower; small garden tractor; 2-24" electric stoves; washer/spin dryer; large chest freezer; refrigerator; stove height upright freezer • new; electric dryer; large quantity &uitchey pictures & frames: large quantity pots, p utensils; quantity bedding; quantity household dishes - a few of Interest; Hoover vacuum with power head - new: 24 Cooey rt11e; antique coal oil lamp: garden tools; 26' heavy duty extension aluminum ladder; 16' wooden ladder; stop ladder. PREVIEW: FRIDAY, SEPTEMBER 9, 1983 2-5 and 7-9 and SATURDAY, SEPT. 10, 1983 10 A.M. to sole time. MOBILE LUNCH JACK ALEXANDER AUCTIONEER TEL: 357-1011 and 357-1442 Try us for CUSTOM KILLING ' and PROCESSING Kill days -Tuesdays OUR SPECIALTY Hosie cured and • smoked meats processed exactly the way you like It. HENSALL LIVESTOCK SALES EVERY THURSDAY AT 1:30 P.M. • All classes of livestock WE INVITE YOUR CONSIGNMENTS Greg Hargreaves 262.2619 Hensall Victor Hargreaves 482-7511 Clinton Barry Miller 236-2717 Exeter and 229-6205 Kirkton Tender Wanted TENDER Seaforth Community Hospital Sealed tenders will be received by the under - 'signed until 5 p.m. Thursday, Sept 15, For pointing and replac- ing all damaged exterior bricks of Seaforth Com- munity Hospital. Please include cost of cleaning. up and necessary time required to complete the job. Lowest or any tender not necessarily accepted. All details, of the job may be obtained from the undersigned. HENRY SCHWARZ Director of Maintenance Seaforth Community Hospital P.O.Box 99 Seaforth, Ontario NOR 1 WO NOTICE TO CREDITORS Mary Armstrong, commonly known as. Minnie Armstrong All persons having claims against the Estate of the above-mentioned, late of the Village of Belgrave, in the County of Huron, Widow, who died on July 25, 1983 are required to file proof of same with the under- signed on or before the 1st day of October, 1983. After that date the Executrix will proceed to distribute the Estate having regard only to the claims of which they shall then have .had no- tice. Dated at Brussels, On- tario, this 1st day of September A.D. 1983. CRAWFORD, MILL, DAVIES & ELSTON Brussels, Ontario Solicitors for the Executrix THE SEAFORTH LIONS POOL has closed for another season. The closing co-Inclded with ' the Labor Day weekend. Swimmera ,had their last swim on Sunday before returning to school studies on Tuesday. (Wasalnk photo) Legal Notices COMMMall Y C AL LVAD aR W®,dpQod©YU tpto D Mens playoffs, Lions Park. TbiglQgd©v Scopio 0 • Ladies final playoff, Lions Park, 7 p.m. Slabtown vs. Jr. Farmers. Lions Park. 8:30 p.m. relda}yo Sgpto fl Roller skating at arena, 8-10:30 p.m. Swingers vs. Sluggers, 7 p.m„ Optimist Park. ScAuedoy/r Sx pyo 9© Farmers market at Victoria Park,• 9 a.m. to 1 p.m. If you're organizing a non-profit event of interest to other Seaforth area resldgnts, phone the recreation office at 527-0882 or the Expositor at 527-0240 or mall' the information to Community ' ggwd©y ,,'F J1 99 Roller'skating at arena, 8-10:30 p.m. UV11©(ncicryv koptSo 9!5 Registration for Beavers. Cubs, Scouts at Seaforth Public School, 6:30-8 p.m: ' TpQodayo Upt 95 Ladies final playoff, Lions Park, 7 p.m. t' Seaforth Hospital Auxiliary potluck dinner, Egmondville Church, 6:30 p.m. Speaker' - Mary Longstaff. Bring own cutlery and dishes. Calendar, The Huron Expositor, Box 69, Seaforth, Ontario NOK 1WO well in advance of the scheduled date. Space for the Community Calendar is donated by The Huron Expositor. r ilt Lill ilii 0 0 0 0 0 0 0 0 0 0 0 0 0 0 WkAL MalTY CAL IEHDAR COUPON If you're organizing a non-profit event of interest to other Seaforth area residents, fill out the form below (please print clearly) and mail it to Community Calendar, The Huron Expositor, Box 69, Seaforth, Ontario NOK MO well in advance of the scheduled date. - Event: Location: Town: Date and Time. Sponsor: Ticket Info - Your Name - Telephone: A free Expositor reader, service Renegotiating your mortage TREASURER'S SALE OF LAND FOR TAXES TOWN OF SEAFORTH COUNTY OF HURON To WIT: By virtue of a warrant issued by the Mayor of the Town of Seaforth under his hand and the Seal of the Corporation, bearing date the 15th day of June, 1983, sale of lands in arrears of taxes in the Town of Seaforth will be held in the Town Hall at 2:00 o'clock In the afternoon on the 7th day of November, 1983, un- less the taxes and costs are sooner paid. Notice is hereby given that the list of lands for sale of arrears of taxes was published in the Ontario Gazette on the 6th day of August, 1983 and that copies of the said list may be had at my office. Dated at the Treasurer's Office this 10th day of August, 1983. JAMES CROCKER Treasurer BYHEATHER J. ROSS Anyone paying high interest on a mortgage more than five years old should see a lawyer about the possibility of renegotiating with only a three month interest penalty. The story is all too familiar Mr. and Mrs. McNamara renewed thcir mortgage in July, 1982 for three years at 19" per cent. When the interest rates plummeted to 13 per cent, the McNamaras asked to rene- gotiate their mortgage with the mortgage company, They were told they would have to pay more than $S,000 - the interest that would have been paid for the full' three year term. After a visit to their lawyer, the McNamaras learned that an Ontario statute. The Mortgages Act, R.S.O. 1980, c,296 and in particular' section 17 (1) of that Act provides that any mortgagor has the right to prepay their mortgage with only three months interest penalty where part of the • principal balance of the mortgage 'is not payable until fiveyears after the "date of the mortgage.' The difficult question was, what is the "date of the mortgage?" Was it the date that the McNamara's signed the original mortgage document or was it the date they signed their Mortgage Renewal Agree- ment? If it was the date of the original mortgage, which was five years prior to their renewing the mortgage in .duly. 1982, then the new three year term together with the original five years gave their mortgage a total term of eight years. The McNamaras would be able to prepay all of the principal Owing in the three year renewal with a payment of only three months interest --not the $5,000 interest that would. have been payable over that three years. If, on the other hand, the "date of the mortgage" was the date the Mortgage Renewal Agreement was signed, then the term of the mortgage was only three years and the McNamaras would be locked in at the higher interest rate with no right to prepay the mortgage or renegotiate al a lower interest rate. Confused? The Ontario Court of Appeal answered the question in a''1980 decision. Deeth v. Standard Trust Cl`, (1980) 12 R.P.R. 157, The "date of Ate mortgage" has been defined as the,.fdate of the execution of the original mortgage doEument, rather than any other .date such as the date of the Mortgage Renewal Agreement. Since this decision many of the lending institutions changed their M,srteaoc ' newal Agreement forms and included a clause that has the effect of contracting out of the provisions of The Mortgages Act. These clauses will vary slightly :n their wording but will be similar to the following: "I understand that there is no right of premature payment and any statutory right of repayment shall take t'hi'ef es :/ the mortgage has been dated on the date n/ ibis Agreement.- (Emphasis is mincl The McNamaras were successful how- ever, because they had signed one of the old Mortgage Renewal Agreement forms that did not contain such a clause. The McNamaras were happy. They renegot• iated their mortgage 'at the lower interest rate, reduced their monthly payments by $182 per month and were spared having to pay 15.000 to pay out the mortgage. But where does this leave try mortgagor who has renewed his mortgage and signed a Mortgage Renewal Agreement with the new clause inserted? Once again, the decision of the Court in the Deeth Case seems to solve the problem. Notwithstanding the wording contained in the Mortgage Renewal Agreement the Court determined that whatever may be the effects of the later Agreement. either as an Agreement for a Loan or as a Mortgage Extension Agreement or as an amendment of the mortgage, the Court stated: "what one must look to is the original mor,gagt . the only ntorrgage which is in existence. If the tale. of the McNamaras sounds, similar to your own, get that original mortgage out of mothballs together with any renewal agreements you may have signed and take them to your lawyer. You may come within the bounds of the Deeth decision and discover that you arc protected by The Mortgages Act. You nsav have the right to prepay that mortgage with only three months interest penalty and thereby he able to renegotiate your mortgage at today's lower interest rates. One final note • an ounce of prevention is worth a pound of cure my grandmother always told me, A mortgage is a contract between the borrower. the mortgagor. and the lender, the mortgagee Mortgage documents and Renewal Agreements con• tain many clauses and conditions that are worded in such a way that even the highly skilled lawyer has difficulty comprehending them. Before signing a mortgage or an Agreement to Renew a Mortgage, have your lawyer go over the document with you. (Editor's note: Heather Ross is a 3rd year law student at the Faculty. of Law - University of Western Ontario)