Times Advocate, 1995-02-01, Page 25The Winter Carnival at Stephen Central was enjoyed by all on
Thursday. The weather was a perfect mix of sunshine and
snow which made events like snowshoe and toboggan races
tremendous success. Above, Michael and Nicholas Gaiser are
shown enjoying one of the snow activities while at left, Dean
Brown tries his hand at cross cutting a log. Below the Gaisers
relax while being towed by fellow students Darren Marziali and
Jarrett Palen.
Human Resources
Development Canada
,,
Developpement des
ressources humaines Canada
,MuwuI.
rww T a
COMMITTEE
COUR$E OFFERED
Pa,icipants must be U.I. eligible.
Feb. 20 -Mar. 3, 1995 (2 weeks)
Huron County Museum, GODERICH
INTRODUCTION TO LOTUS 123
In this course the participant will learn to plan and create a spreadsheet. tem-
plate. and graph. This course will be based on an Introductory level of Lotus with
some intermediate level training Emphasis is placed on acquiring an under-
standing of how Lotus functions and is used'in today's workplace
If you are interested in attending or require further
Information please contact the Goderich CEC.
Exeter 235-0471 Goderich 524-8342
or 1-800-265-5185
1
1
1
1
1
1
1
1
-i•INNElIRINN--1
1
igmbeigp
(across from the Saan Store)
graniopening
Special
Saturday Feb. 4
1
1
1 Free donut with
every coffee purchased
at the
Drive Thru
1 Open 24 hours, 7 days a week Exeter 235-0453 1
`- MI fid MI i1• illi EN IN um - - EN ow 1111
xxxxxxxxxxxxxxxxxxxxx;;
GAIL'S
IIAIt & GRILL t;
N
Feb. Entertainment
Feb. 3,4 - Red Rain
10,11- Hip Shakers
17. 18 - Postively Stompin' 14
24, 25 - Wrif Wraf
Featuring daily lunch specials 0
►/
P'
1
P'
/
14
►1
i'
1
Mon. Night - Line Dancing
Wed. Night -
Pool Tournaments
"The Place for Good Sports"
58 Main St. N., Exeter
t'
/
235-2773
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LIIII\DI\101 12.1).111K\ is!
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can
PAI I, J. PICKERING
Rl SFLF: 1\ !mutt I'I( 1
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(519) 482-1241
or Toll Frcc
1-800-561-7451
Ilcad Office
111 Waterloo Street, London
6-2-2191
BL0NDIE, p Z Z ESR I A
d
273 MAIN ST. LUCAN • 227-0174
YOU CAN HELP
KYLE
cFALLS
Raise the $1,000 necessary to get medical advice
in Florida to help in his battle with Histiocytosis
WE'LL DONATE S1.00
WITH THE PURCHASE OF ANY
PIZZA MEAL
ottNwwAK-lilt
$)i,99
Two large 4 Item pizzas plus a
dozen chicken wings and a 6 pack of pop
PLUS WE ARE ACC#PTINO DONATIONS FOR
KYLE HERE AS WE
Times -Advocate, February 1, 1995 Page 25
Controlling your finances
TORONTO - If you're in the
same boat as most Canadians,
you're probably scared to look in
the mailbox right now - all tnose
bills for the great gifts and good
times you charged on credit during
the holiday season are arriving.
Some tips on reducing day-to-day
spending from Ontario's consumer
ministry can help anyone whose
New Year's resolution is to get
hack on the right financial track.
"Plan a realistic budget and stick
to it," says Marilyn Gurevsky,
Manager of Consumer Issues for
the ministry. "One of the basic mis-
takes people make is to plan a bud-
get that is so strict it isn't practical -
they throw it away after a few
months, when they discover it
doesn't work," she says.
To plan an effective budget, start
by keeping track of alt your expens-
es for a month. Then total the costs
of housing, transportation, credit,
loan and insurance -policy pay-
ments, food and miscellaneous.
The last should add in the dog
food, video rentals and any minor
expenses you think you could to do
without, but probably won't. Add a
pre -determined amount for savings
- even a very little bit of money
saved will help increase your re-
solve to stick to the budget. Total
the extra bills you've accumulated
over the holidays - and be honest. -
the statistics say most of us overex-
tended our credit this year!
Once you have a final tally of
debts compared with your income,
and after you've come down from
the ceiling, start to think about how
you can improve your financial pic-
ture.
"For some people, getting back
on an even keel will simply mean
locking up the credit cards for a
couple of months while paying
them off," says Gurevsky. "But
' many of us have more serious prob-
lems and should rethink even our
basic assumptions about the house-
hold budget," she says. Gurevsky
suggests, if you're in either catego-
ry, answer the following questions
and use the results to help improve
your financial situation.
Are you using your money most
effectively every day?
Many little expenses that are sim-
ple to eliminate can add up to as
much as hundreds of dollars per
month on the family enpense.sheet.
For example, do you know how
much money you're spending on
debit -card transactions? The poli-
cies of various banks, trust compa-
nies and credit unions differ.
Likewise, is your chequing ac-
count best serving your interests? If
Exeter
LIONS TV BINGO
Mon., Jan. 30./95
Game #1: Joanne Price, Exeter,
John Hanna, Huron Park, Deb
McNair, Huron Park, Ron Harvey,
Huron Park $50 split 4 ways;
Game #2: Pat Dawe, Huron Park,
$50; Game #3: Karen
Richardson, Exeter, $50. Game
#4: Kevin Coolman, $75.; Game
#5 Ina Browning, Crediton $100.
Game #6, Marion Kerslake,
Exeter, $100.
1
Exeter Legion
Ladies Auxiliary
BINGO
Thurs., Feb. 2
7:00 p.m.
10 Regular Games
5 Specials
1 Share the Wealth
Jackpot $650
No one under 18 admitted
Lie. #M125539
Lucan
Community Centre
Bingo
Wed. Feb. 1
Bingo starts 7:30 p.m.
Regular Games
$1000
Jackpot Game
51 calls or less $400 bonus
Total prizes
$3000
Due to the licence regulations,
no one under 18 allowed to play
Licence #537495
most of your transactions are now
done by direct withdrawal perhaps --
your monthly -fee account is out of
date. -
How good are you at controlling
grocery bills? If you spend "only"
$75 per week at the grocery store,
but run up $100 bills at more ex-
pensive shops, maybe it's time to
run a test. List all your food pur-
chases for a couple of weeks. You
may find you were faithfully
searching the newspaper "specials"
for the wrong items.
What about unnecessary tele-
phone charges? Keeping a tele-
phone book handy can reduce your
monthly bill for directory assis-
tance.
Major budget items
Are your insurance policies up-
to-date? While some people are un-
derprotected, some pay out too
much for insurance.
For example, life insurance ex-
perts suggest big policies for small
children often represent money
misplaced - money that could oth-
erwise be better invested to assure
the kids' future education or other
financial outlays, with only a small
insurance policy maintained to cov-
er the minimal expenses of child
mortality.
Do your current loans meet your
needs? When dealing with banks,
trust companies and credit unions,
you'll be well informed about the
total cost, interest rate, term and
conditions of a loan. You'll also
know, the shorter the term of the
loan, the less interest you'll pay.
It's always easiest on your nerves
and pocketbook to pay off debts as
quickly as possible. But, if adding a
year to the term means you'll save
money up -front and lose less sleep
worrying about the payments for
your husband's root canal, preserve
your rest. Protection of family
health and safety should he first on
everybody's list. Ask for informa-
tion on alternative rates and condi-
tions for financing loans, from a va-
riety of credit unions, banks and
trust companies, before you sign
any contract.
Can you manage? If you're pay-
ing the interest on one credit card
by borrowing from another, you're
not alone. If you can't even ima-
gine being able to cover basic
monthly charges before you think
about the food bill, it;rovat ie First
time anybody's been in your posi-
tion. But you do need to face the
problems.
The best placed to go for help are
Ontario Association of Credit
Counselling Services member
agencies. The approximately 25
centres across Ontario can be
reached by calling toll-free 1-800-
263-0260 from anywhere in the
province.
If you're refused for a loan from
a reputable financial institution,
and don't understand why, find out
more about your credit report. Call
your Credit Bureau, listed in your
local telephone directory, or call
the consumer ministry's General
Inquiry Unit, at the number listed
below.
Some people looking for loans
have dealt with lenders in Ontario
known as Loan Brokers. Under
new laws, loan brokers are not al-
lowed to charge people any fees for
processing loans until the money is
actually in the consumers' hands. If
you're thinking about taking out a
loan but don't understand all the
details of the deal call the ministry,
at (416) 326-8555 in the Toronto
area or at 1-800-268-1142 from
other parts of the province. The
TDD line for use by the hearing
and speech impaired is available at
(416) 326-8566.
epee Daily
Join us for our
Sunday Brunch
4 Way Inn
Family Restaurant
380 Main St. Exeter 235-0580
WWW411111011Ritilit
6=4 DANCE
TiHALL
9 p.m. - 1 a.m.
349678 Line dancers
welcome
Fri., Feb. 3
Lee Davidson & Sagebrush
*****
Sat., Feb. 4
End -O -The -Line