The Rural Voice, 2003-06, Page 31even a bug that hits you in the face
can distract you but if it hits you in
the eyes, you could be blinded. To
prevent this, always wear googles or
a face shield. These should be free of
scratches and shatterproof, securely
fastened, well ventilated to prevent
fogging, and tinted for riding on
bright days or clear for night riding.
Protective clothing is also a must if
you are going to enjoy your ATV
safely.
Good gloves will prevent your
hands from getting sore, tired, or
cold, as well as offer protection in the
event of a spill.
The most protective footwear is
a pair of strong, over -the -calf
boots with low heels to prevent
your feet from slipping off the
footrests.
It is also important to protect your
skin from scratches. A long-sleeved
shirt or jacket, and long pants are
minimal requirements. Off-road
riding gear such as off-road pants
with knee pads, jersey and
chest/shoulder protector provide
better production.
Before each ride, conduct a pre -
ride inspection of the mechanical
condition of your ATV to minimize
the chance of injury or being
stranded. Remember, a person can
ride further in an hour than they can
walk in a day. The most common
items to check are: tires and wheels,
controls, lights and switches, oil and
fuel, and chain/drive shaft chassis.
Even though a pre -ride inspection
should always be done, problems do
arise when out on the trail.
Carrying the right tools and
equipment with you when you go
riding is also important. Plan to carry
what would be needed for
emergencies (eg. flashlight, tow rope,
extra spark plugs).
Just like ATVs, bicycles are fun
but can be dangerous if ridden the
wrong way. The following
information is from the OPP and
www.kidshealth.org on how to be a
safe bike rider.
Check to make sure your child's
bicycle is the right size for them.
When they're on their bike, get them
to stand straddling the top bar of the
bike so that both feet are flat on the
ground. There should be one to three
inches of space between your child
and the top bar.
Cottage Succession Planning...
You have worked hard to build and maintain a cottage
you are proud of. You also want to ensure it remains in
your family for years to come.
Rules & Regulations: A cottage is considered a
capital asset. Upon death, Canada Customs &
Revenue Agency (CCRA) automatically assumes
the assets are to be transferred or "rolled over" to
the surviving spouse (tax free). if there is no
surviving spouse, the assets are deemed to be
disposed of at fair market value (FMV) and
CCRA expects its share of taxes owing, sooner
than later.
1f there is no cash available to pay the taxes, the family may have to sell the cottage below
market value.
Consider this example: Bob and Mary, both age 50 and happily married for 30 yrs. The
cottage they own has belonged to the family for 55 yrs. enjoyed by three generations. The
projected capital gains on the cottage is S100,000. Bob and Mary realize that after they pass
away, their children cannot afford to pay CCRA and keep the cottage.
What can they do? Are there alternatives? Can they plan today to keep the cottage in the
family for many, many years to come?
YES...There are simple, understandable and affordable ways to preserve and protect what
you have worked hard for.
Nancy Ackert is a knowledgeable life insurance advisor who can help you make it happen.
There are simple, understandable and affordable ways to preserve and protect what you have
worked hard to keep for your family.
Your children, grandchildren and great-grandchildren
can enjoy the cottage as you did!
Call today 1.866.396-8108
and ask Nancy to book an appointment
Nancy Ackert, Life Insurance Advisor
515 James Street S., St. Marys,
Ontario N4X 1C7
Ph: 519 349-2355
800 667-3845
Fax: 519 349-2144
EASY Lwr DooRs LTDI
AGRICULTURAL • RESIDENTIAL • INDUSTRIAL • COMMERCIAL
A Prompt Service / Emergency Repair
♦ Large Volume of stocked Inventory
A Dock Seals / Lock Levellers
A On Site Consultations
A High Quality Standards
A Attention to Detail
A Well equipped Service Trucks
A All Materials 3 ft. to 30 ft. Wide
We'll Make Any Door An
'Easy LIfM For You
JUNE 2003 27