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The Citizen, 1997-09-24, Page 12PAGE 12. THE CITIZEN, WEDNESDAY, SEPTEMBER 24,1997. Duff’s to help Food Bank Malinda Johnston and Ann Clark were greeters at Duff's United Church Sept. 21. Rev. James Murray opened the service with the Call to Worship, followed by the singing of the Introit, 'This is the Day'. He announced that the population of the Walton Church had increased by one as Don and Monique Baan now had a new baby boy, Adam Donald James Baan. Rev. Murray then reminded people to bring a non-perishable item for the Food Bank next Sunday. The UCW's next meeting will be a dinner meeting Oct. 1 at the Walton Inn at 6:30 p.m. Anyone interested in coming is to call Marilyn McDonald no later than Sept. 24. An item for the Food Bank is the roll call. Patty Banks, superintendent of the Sunday School came forward and called Gloria Wilbbe, Shannon Gibbons and Brad Finlayson, this year's Sunday School teachers, to the front. Linda McDonald will be sharing the teaching job with Gloria as they teach the Grades 4, 5, 6, and 7s. Shannon and Brad will teach kindergarten to Grade 4. Rev. Murray led the group in a covenanting liturgy. JoAnn McDonald was then called forward and a gift of appreciation from the Sunday School was given to her for her many years as secretary-treasurer. Heidi McClure will take the treasurer's position and Diane VanVliet will be the new secretary. Rev. Murray's sermon was called, "The Least of These". The scripture reading was from Mark and it was about how the disciples had been arguing amongst themselves about which one of them was the most important Jesus had then insulted them by placing a child (most probably a girl) in front Children find snails This was the JK and SK's first three-day week at Walton PS and there were a few tired little school kids. But they had a great week learning all about the letter 'A'. They made 'a' apple prints and ants out of egg cartons. They also had a delicious snack eating all letters but 'a in alphabet cereal. They are continuing their learning about pigs and heard a story about a pig eating some com muffins. So they made corn bread and and enjoyed it with butter and jam. Mrs. Bennett reported that Friday was a very 'electrifying' day as the kids watched the lightning storm from their room. Il was while looking out the windows that three snails were discovered climbing inside and outside their windows. They were even given names and a story was begun about the snails. Big Boy is the outside snail. Slowpoke is half way up the window and Traveller is at the top. Stay tuned for news of the antics of the window snails. The Grade 2/3's have started a new unit about 'mapping'. They will be learning about directions, how to read a map, draw a map and follow legends. The Grade 3/4s have finished reading James and the Giant Peach. The kids both read the book and saw the video and did some comparison exercises. Many thought that the book was better. In French the kids are making pet Continued on page 14 of them and telling them that they had to be like this child to enter the kingdom. Children in those days weren't seen or heard in adult society, Rev. Murray said. They were, cared for by women at home. It was a man's world and boys had to be a teenager before they were introduced to the male-dominated world. The boy children were placed in much higher regard. The daughters stayed at home with their mothers until they were married. The girls were so unimportant that many were not even given a proper name. To be a child in that culture was to be least of all, to be last of all. It was its dependent upon parents for its well being. Even your future station in life was based upon how well off your parents were. There was little, or no hope of upward mobility. The great risk was that you might become even poorer. It was this sense of vulnerability, helplessness and humility which Jesus saw as being at the heart of God's Kingdom. God's chosen kingdom is to be populated by the nobodies of this world. "We don't feel comfortable being the last of all," Rev. Murray said. "In our world we want to be strong and independent and first. To be vulnerable and helpless is a condition which makes us last, least dependent on others. But there will be many times in our lives when we will be helpless and humble, out of control and needy and dependent. Without seeking it, we find ourselves numbered among the people who are 'the least of these'. Rev. Murray asked, "How open and caring are we to those who are weak and needy, the least among us?" When Jesus took a little girl in this arms and put her in front of all his disciples, he made a powerful statement about how important everyone is to God, even when they are the least and the last in this world. People Congratulations to Linda McDonald who travelled this weekend to Windsor to attend a banquet and receive an Award of Excellence, a gold pin, which was presented by the vice president of the TD Bank. The special weekend also included accommodations, brunch and a tour of Pelee Island Wineries. Belated congratulations to Marvin and Wendy Bachert on the birth of their daughter (six weeks ago) Heidi Janelie Bachert Doing It Right Estate Planning for the ’90s By Linda Henhoeffer Financial Advisor Apparently one of the newest fads in the city is to mow your lawn with an old-fashioned push lawn clipper, like the one my grandfather used every week to cut his grass! This return to our past is a deliberate attempt to slow the pace of our hectic lives and savour the peace and quiet of a simpler era. Taking control of our lives is important in order to deal with the stresses of the 1990s. This is especially true when considering our Estate Plan. Governments have increased probate fees and introduced new legislation regarding 'power of attorney'. Some estate planning tools, such as the $100,000 personal capital gains exemption, have been cancelled by government. A large asset, such as family business, farm or cottage requires considerable care to be passed along to beneficiaries with the least tax and probate fees. Making a Will The foundation of our Estate Plan is our 'Will'. This is a legal document outlining our instructions as to the distribution of our assets. We name an executor who will follow our instructions in the Will. The executor co­ ordinates the work of our lawyer, accountant, financial planner, realtor, etc. Our executor has a demanding task and should be chosen with care. Parents who have young children, under the age of eighteen, should also name a guardian for their children. This person will look after the physical needs of the children. Consider setting up a trust fund for the children for their financial needs. This fund can be financed with a life insurance policy. Power of Attorney Our 'power of attorney' has the legal ability to take care of us if we are unable to take care of ourselves. For example, if we have a car accident and we are in a coma in hospital, our power of attorney can look after our finances and also makes medical decisions for us. Probate Fees Canada does not have 'succession taxes' as some other countries, such ' as the United States. But, we do have 'probate fees'. This is a cost charged by the Ontario government on estate assets and is payable by the estate before assets can be dispersed to the beneficiaries. The fees are $5 per $1,000 of assets in the estate on the first $50,000 of assets and then $15 per $1,000 on any assets above $50,000. This fee can add considerable cost to the settling of our estate. Careful planning can reduce our assets that will pass through our estate at death. Simply naming our beneficiaries on our life insurance policies, RRSPs and RRIFs will allow these assets to be passed directly to our beneficiaries. Therefore, no probate fees will be assessed on these assets. In Trust Accounts Another way to pass our assets to beneficiaries directly, instead of through our estate, is to set up 'in trust' accounts. This method works well for parents and grandparents to give monies to their children and grandchildren for their future education costs. This also reduces income taxes for the parent and grandparent as only income from interest and dividends on the accounts is assessed to the parent or grandparent. Capital gains income is assessed to the child. An equity mutual fund account, therefore, is a popular choice for in trust accounts. Usually this kind of mutual fund generates mostly capital gains which will be taxed to the child. Just like other areas in our lives, estate planning has become more complicated in the 1990s. We need to plan carefully how to pass our assets to our beneficiaries with the least taxes and fees. AVal tonThe news from Compiled by Patty Banks Phone 887-6156 ESTATE PLANNING SEMINAR ♦ Wednesday, Oct 1,1997 7:30 p.m. ♦ at MVCA, Wroxeter ♦ limited seating to register call Linda Henhoeffer 335-3887 or 1-800-667-3887 ^JrK/estrnent Centre NOTICE OF NOMINATION FOR OFFICE Notice Is hereby given to the Municipal Electors of the Township of Hullett. Nominations in the Township of Hullett for the offices of: I. Reeve Deputy Reeve Three Councillors Nominations may be made by completing and filing in the office of the Clerk of the Township of Hullett, nominations in the prescribed form. II. Three Police Village of Auburn Trustees Nominations may be made by competing and filing in the office of the Clerk of the Township of West Wawanosh, nominations in the prescribed form. III. One member of the District Public School Board No. 8 Representing the Town of Clinton and Seaforth, Village of Bayfield and Blyth snd the Township of Hullett, McKillop, Stanley and Tuckersmith. Nominations may be made by completing and filing In the office of the Clerk of the Town of Clinton, nominations In the prescribed form. • IV. One member of the Huron Perth Roman Catholic Separate School Board Representing the Town of Goderich, Clinton, and Wingham, the Township of Hullett, Morris, West Wawanosh, Colborne, Turnberry, East Wawanosh, Ashfield, and the Village of Blyth. Nominations may be made by completing and filing In the office of the Clerk of the Town of Goderich, nominations in the prescribed form. V. One member of the French Language Public School Board No. 58 Representing the Counties of Huron, Kent, Lambton. Nominations to be filed with the Clerk of the City of Chatham. If the distance between the residence of a person seeking nomination and the Chatham Civic Centre Is more than 100 kilometres, that person should speak to the Clerk In the municipality in which he resides to be Informed about the opportunity which exists to file his nomination paper In his own municipality. A nomination must be signed by the candidate and may be filed In person or by an agent on any day In the year that is after March 31st, 1997 and Is before October 10th, 1997 at a time when the Clerk's Office Is open or on October 10th, 1997 (Nomination Day) between the hours of 9 a.m. and 5 p.m. A prescribed nomination filing fee ($100.) must accompany the nomination form. A nomination must be certified by the Clerk before such person becomes a certified candidate for the office to which he or she is nominated. In the event there are an Insufficient number of certified candidates to fill all positions available, nominations will be reopened for the vacant positions only on Wednesday, October 15th, 1997 between the hours of 9 a.m. and 5 p.m. and such additional nominations, if required, may be filed in the office of the Clerk. Electors are hereby given notice that If a greater number ot candidates are certified than are required to fill the said offices, voting places will be opened on the dates stated below for the purpose of voting. Advance Vote(s) - Saturday, November 1st, 1997 (10 a.m. - 8 p.m.) Voting Date - Monday, November 10th, 1997 (10 a.m. - 8 p.m.) Dates this 24th day of September, 1997. Beverly M. Shaddick Clerk-Treasurer Township of Hullett.