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Times Advocate, 1995-12-28, Page 5Gaiser Kneale 235-2420, 2384484 • GIC rales ssaysu to champs. Short tern raid! available. Segregated Funds rate., reflect aatral past psr/brnwncs. fildre returns Mu eery. Investments GIC-5.75% lYr.5.75% 3 Yr. - 6.125% 5 yr. 6.75% Segregated Funds 1YR. •23.41% 5YR. -11.88 QUALITY TYPESETTI G Flyers • Resumes • Programs • Brochures • Booklets • and more! For more information please phone Deb Lord at ANNOUNCEMENT The law firm of Raymond & McLean wish to announce the well deserved retirement of Peter Raymond effective December 31, 1995. Peter will remain as a consultant to the firm and the firm looks forward to continued service to continued service to its many clients and wish same a Happy New Year ■ Co -�p students gain valuable work experience EXETER - Cooperative Educa- tion Students of South Huron Dis- trict High School presented their Job Fair '95 on Monday in the small gymnasium. Carrie Wilhelm completed her co-op placement at Helen Johns' Office in Exeter and wrote the following article de- scribing her experience. By Carrie Wilhelm "Good Morning, Helen Johns' of- fice. Carrie speaking." This message pops into my head every time I hear a telephone ring at my co-op placement. My name is Carrie Wilhelm and I am a Grade 12 student at South Hu- ron District High School in Exeter. This year I was fortunate enough to become involved in the Coop- erative Education program at my high school. My work placement is at Helen Johns', MPP for Huron County, Constituency Office. My supervisors are Kriss Snell, Angela Reid and Greg McClinchy. The office is located on Main Street in Exeter and has three of- fices. The office is there to help people from rural communities with provincial problems such as educational tax cuts or amalgama- tions and also with the Family Sup- port Plan. I go to co-op every day for three hours. I answer telephones and make up files with relevant in- formation. I open mail and write responding letters and fax all the in- vitations to Helen's assistant, Terra, in the Queen's Park office. I also enter data into the computer system and file folders in their appropriate places. I took co-op to gain experience in the social services fields and to fur- ther my education in this area. There are many things I like about my co-op placement. Firstly, my co-workers and supervisors are not really much older than I am and are really laid back, easy to get along with and funny. They also trust me with a lot of responsibilities such as minding the phones and office area while they are sitting in on meet- ings. This included talking to peo- ple who are demanding to see Hel- en and are quite upset. My placement is in an office where a lot of work gets done each day but we still find the time to laugh and joke about mistakes. My future educational plans include go- ing to college and taking social ser- vice courses. Eventually, I would like to help single parents with the Family Support Plan. I would like to thank my super- visors Angela, Kriss and Greg for taking the time to stop and answer all of many questions and teach me what I need to know. Finally, I would like to thank Helen Johns for allowing me to work in her office and gain the hand -ons experience in a field that has interested me for as long as I can remember. Times -Advocate, December 28, 1995 Page 5 Carrie Wilhelm, a stu- dent at South Huron Dis- trict High School com- pleted her co-op placement at Helen Johns' office in Exeter. Wilhelm took the pro- gram to gain experience in the social services field. Tips to avoid the bill -paying blues Have you been setting aside money each month in a jar or special Christmas savings account'? If your Christmas cheer turns to Christmas doom when you begin paying your holiday credit card bills in January, you're not alone. Here are some tips to keep yourself from wondering how you're going to get through the season without going into debt: • Decide how much you can really afford to spend on holiday gift -giving this year. Take some time to determine what your spending limits should be instead of running to the mall with a wallet full of credit cards. • Shop armed with cash only --this avoids impulse buying commonly associated with credit cards.• • Decide how much you can afford to spend on each person, and stick to it. Then, when you're shopping, you'll know your spending limit for each gift. • If you must consider a layaway plan for a larger -ticket item, budget to do it in no more than four affordable installments so it is paid for before Christmas. • Shop alone, armed with a realistic list with spending limitations and stick to it. • Keep track of your purchases. Write down the amount of every purchase you make, which credit card you put it on and who will receive the gift. You may want to consider entering the purchase in your checkbook register as though you had paid cash for it to closely monitor your spending. When January rolls around, you will know just what to expect on your credit card bills. • Ee a savvy shopper. Take advantage of sales and outlet malls. Beware of deferred payment plans that have become so popular with retailers. Many of these "Buy now and no payments until ..." plans start charging interest before the first payment is due. • Avoid crowded stores, malls --map out your store list, so as to not get caugj?t up in the holiday 'fever' this atmosphere tends to generate. • If youmus; use your credit I cards, put',all q(},bur,hgliday credit, card purchases on one card. This will help you track your spending better and you won't be juggling payments when your January bills arrive. • Consider giving handmade items at a fraction of the cost, which often means more and lasts the best: sewing, knitting, crochet, artwork, woodwork, crafts, woodcarving, plants, photography, jams, jellies, baking --the list is endless! • Give coupons offering your services: cleaning, cooking, repair, babysitting, etc. Gifts of time are never out of style! • Plan ahead for next year, Consider opening a special savings account as a holiday fund and add a little to it each month. BUSINESS DIRECTORY • • AUCTIONEERS • • Filson & Robson 35 Years Experience of Selling or Appraisals CaII or fax 519- 666-0833 for yours Mobile office, immediate payment, 3 auctioneers we pick up and sell com- plete or partial household effects Specializing In real estate and general sales Advertise here and watch your business grow Bob Heywood Licensed Auctioneer Serving Exeter area for 10 years Large Auction Centre at 586 Main St. S. We will consign anything you want to sell or we will buy outright for cash. Complete auction Service Contact Bob Res. 235-0874, Bus. 235-4469 REPAIRS Sewing Machine Repairs to all makes . Free estimates 90 Day Warranty Experienced since 1952 Sew and Save Centre Ltd. 149 Downie St., Stratford Phone 271-9660 to the advertisers of Exeter and surrounding communities As we enter 1996, we want to say "Thank You. It is only fitting that we advertise our appreciation to the people who make it possible for us to publish one of the best community newspapers in the area. In 1995 hundreds of advertisers, retailers, classified and national advertisers used frequent and consistent space in the Times -Advocate, stimulating our economy and promoting employment. You, our, readers responded by buying food, clothing, shoes, TVs, sound equipment, paint, lumber, microwaves, books, houses, farm machinery, sports equipment, jewellery, yard goods... the list is endless. We enter 1996 with great confidence that this area will enjoy greater prosperity and we look forward to the role our newspaper and its advertisers play in the economic growth. Once again "Thank You. We believe 1995 was a prosperous and good year... 424 MAIN ST. EXETER •. •••• • TEST DRIVE CENTRE i a . ....... _,...,COMPUTERS . . ; : : • • . SALES • LEASING • • SERVICE• : Have you ever been told that you needed a • bigger computer just to run a program, or, have •. you ever bought a computer or program . y,� only to find out that you did not •• really need it. •• - �_'i . • • : . . Come down to the new store in town, • e_ . where you can try out anything in the store . before you buy. So you will be happy with . . what you walk out with. . . • . Make sure that what you buy is really what you wanted and needed before you leave our store. ; . . : Never again to find out that the _ • : computer, or program you just : bought, is just an expensive paper ! • • weight. • • '� • • . • . DROP BY TEST FOR YOURSELF • 53 MAIN ST. EXETER • (519) 235-4640 : . with and funny. They also trust me with a lot of responsibilities such as minding the phones and office area while they are sitting in on meet- ings. This included talking to peo- ple who are demanding to see Hel- en and are quite upset. My placement is in an office where a lot of work gets done each day but we still find the time to laugh and joke about mistakes. My future educational plans include go- ing to college and taking social ser- vice courses. Eventually, I would like to help single parents with the Family Support Plan. I would like to thank my super- visors Angela, Kriss and Greg for taking the time to stop and answer all of many questions and teach me what I need to know. Finally, I would like to thank Helen Johns for allowing me to work in her office and gain the hand -ons experience in a field that has interested me for as long as I can remember. Times -Advocate, December 28, 1995 Page 5 Carrie Wilhelm, a stu- dent at South Huron Dis- trict High School com- pleted her co-op placement at Helen Johns' office in Exeter. Wilhelm took the pro- gram to gain experience in the social services field. Tips to avoid the bill -paying blues Have you been setting aside money each month in a jar or special Christmas savings account'? If your Christmas cheer turns to Christmas doom when you begin paying your holiday credit card bills in January, you're not alone. Here are some tips to keep yourself from wondering how you're going to get through the season without going into debt: • Decide how much you can really afford to spend on holiday gift -giving this year. Take some time to determine what your spending limits should be instead of running to the mall with a wallet full of credit cards. • Shop armed with cash only --this avoids impulse buying commonly associated with credit cards.• • Decide how much you can afford to spend on each person, and stick to it. Then, when you're shopping, you'll know your spending limit for each gift. • If you must consider a layaway plan for a larger -ticket item, budget to do it in no more than four affordable installments so it is paid for before Christmas. • Shop alone, armed with a realistic list with spending limitations and stick to it. • Keep track of your purchases. Write down the amount of every purchase you make, which credit card you put it on and who will receive the gift. You may want to consider entering the purchase in your checkbook register as though you had paid cash for it to closely monitor your spending. When January rolls around, you will know just what to expect on your credit card bills. • Ee a savvy shopper. Take advantage of sales and outlet malls. Beware of deferred payment plans that have become so popular with retailers. Many of these "Buy now and no payments until ..." plans start charging interest before the first payment is due. • Avoid crowded stores, malls --map out your store list, so as to not get caugj?t up in the holiday 'fever' this atmosphere tends to generate. • If youmus; use your credit I cards, put',all q(},bur,hgliday credit, card purchases on one card. This will help you track your spending better and you won't be juggling payments when your January bills arrive. • Consider giving handmade items at a fraction of the cost, which often means more and lasts the best: sewing, knitting, crochet, artwork, woodwork, crafts, woodcarving, plants, photography, jams, jellies, baking --the list is endless! • Give coupons offering your services: cleaning, cooking, repair, babysitting, etc. Gifts of time are never out of style! • Plan ahead for next year, Consider opening a special savings account as a holiday fund and add a little to it each month. BUSINESS DIRECTORY • • AUCTIONEERS • • Filson & Robson 35 Years Experience of Selling or Appraisals CaII or fax 519- 666-0833 for yours Mobile office, immediate payment, 3 auctioneers we pick up and sell com- plete or partial household effects Specializing In real estate and general sales Advertise here and watch your business grow Bob Heywood Licensed Auctioneer Serving Exeter area for 10 years Large Auction Centre at 586 Main St. S. We will consign anything you want to sell or we will buy outright for cash. Complete auction Service Contact Bob Res. 235-0874, Bus. 235-4469 REPAIRS Sewing Machine Repairs to all makes . Free estimates 90 Day Warranty Experienced since 1952 Sew and Save Centre Ltd. 149 Downie St., Stratford Phone 271-9660 to the advertisers of Exeter and surrounding communities As we enter 1996, we want to say "Thank You. It is only fitting that we advertise our appreciation to the people who make it possible for us to publish one of the best community newspapers in the area. In 1995 hundreds of advertisers, retailers, classified and national advertisers used frequent and consistent space in the Times -Advocate, stimulating our economy and promoting employment. You, our, readers responded by buying food, clothing, shoes, TVs, sound equipment, paint, lumber, microwaves, books, houses, farm machinery, sports equipment, jewellery, yard goods... the list is endless. We enter 1996 with great confidence that this area will enjoy greater prosperity and we look forward to the role our newspaper and its advertisers play in the economic growth. Once again "Thank You. We believe 1995 was a prosperous and good year... 424 MAIN ST. EXETER