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Wingham Advance-Times, 1980-03-19, Page 5rt ByRhea;fl;al;lallton Efflciency is the key eon- sideration in farming with Cody's high interest rates, federation of . agriculture rnembers heard Thurjday ni ., t. ,John Murphy, from the Buyal Bank, Alec 'McLeod, Bank of Commerce, and Bill lyieEachern, a Grand Bend area accountant, agreed on that in a panel discussion at an HFA meeting in Exeter. Mr. McEachern said that the+level of pessismism at the recent farm show in London is unwarranted. "As en accountant I see a lot of blur lnf0 on,r bill,, only know. of three farnie that, - recel three; ;oily Untr ..declared bankruptcy antrthe otr twa are being encouraged to do .out of . mismanagement or expansion.' t ' He aglreed-that high . erect ratea and increased eo 9 have dampened profits, b . t 85 per cent of The farm usinesses are owned and fa liters on a whole are not heavy .users of credit. The exceptions are young farmers and those doing a lot of expanding. G "Interest rates are ngt VP bank on*** said. ` 1 t o chern 410 00 d ulres ,i1,1lstrating nis, of a study of .174+ 1978, the average groula,�v"ae425 percent finanneed for nfeed, livestock, and machinery, together with a mortgage of 10 per cent (which ia not possible now) would miss the payment of $53,000 (principle and ..m- 'Wrest) by $2•,00.9 or $$,100. "Inva 'ably farmers are 25 per cent financed, and with farmers tying the interest to reduce their income tax, it all helps,;' Producers in the beef and WIL.RICH FIELD CULTIVATORS Our patented shank assembly couples unique spring -action with a wide pivot point. Shank action pulverizes soil for a moisture -saving seedbed. MANUFACTURED FOR .�DEPENDABILITY For any field condition, ar,,size field, you can count on the WiI-Rich field cultivator. You get constant soil shattering action from the patented spring -action shank 'Assembly. The, shank trips' up to' 16 inches over heir) obstructions: The sturdy, tubular 4 -bar frame •and wing have 30" lore and aft clearance, between crossmembers. Shanks are .and at uniform T' intervals •• giving superior trash clearance , There•s constant depth controt.over any terrain through the use of walking tandems that minimize bouncing over rocky or uneven soil. Models to titan ranges of poJver ....'all types of fields In 3 -point or pull -type. with widths from 8 to Si llaeet. Durability? You're, looking at the leader! Wil -Rich field •cul- tivators are built for your type of,far-ming..See your area Wil - R& deafer today! ' tit1MILRICH G.-& E. °Sales &.S�riici t1 Massey Ferguson Massey Ferguson Dealer '*ieticfbtb 19 x 1 Pork Wiliness affected , bysate Many arelhoairy-bo their, stock and sa fluctuating nriceat he rest rat �O could shoot e way. The it creates an lnment and meat in - Aloe McLeod urged tta. to remember the balife. check the efficiency! aperati ns. He sli e$t revolving operating" Ifs reduce costs .,and a Me and:eheck througho l would ;help with cast "rafters have a tendency to use a lot ,of &host teorlaa credit,"., said. ,Mr.. "The first problem COMB* operating loans which are affected by the market Set up. a long term loan, and discuss: • your finances. with .your' banll;pr. stressed iin i . dividudlHe situationsthat the fain r should have good cooperatiion between himself and hist, banker. - Mr. Murphy was asked* gets. the profits from lite- higher lrhhigher interest rates. prime rate goes up, so do^the' deposit rates," he said. "Tile higher interest is to' 'tstopT: borrowing. The farmer takers.; what the market gives. and he can't take his Ow* '¢�, price." i` FORD H—A Place For Another drawback is than Yat � it' a olgott 's Hill' was farmers all are competing ' �o a main play the same source' of funds Both.. presented b members when the tile ,drain loans, at six -per the For wt+ t United Church cent, and farm credit, at 12 Wo intrtheodeventsuction per cent, have limited' funds. wesa v ct Farmers questioned the leadt.the cifixion, how panel members about what itap t.o._.spectators as they thought the future would welt x icipants, how hold for the farming conk= Joe' '� sI$e looked down munity, Although the farms en the 1p ;gathered, how would tend to be .larger units, Hisfrietldrene *Ones and those the panel agreed that farmers wa coM1" *prevented His would he younger. death rnust have felt and how "Look around the room • i day's t hris in would react here. There is a large; number if ties occt>rred today. of farmers here under 36 tifette,John 'Stinson shared years," commented Mr.' tel* ttteughteent Joseph, the Murphy. , ttttatd, one 097,, wanted to be Tony McQuail suggested • eyeryone'g . 7rfriend. Mrs. there .should be a greater. Carswell.,portrayed Judas; spread between borrowing Wee ADO ea, ,McElwain told and depositing rates. He ; holte ust have felt and questioned whether the s 'Bill Wjads"on• spoke about ecomony would respond to the Pilate 'who.:"'could have high .interest rates and; prevented Jew' death. The whether anyone would be able Murton was r depicted by to See if the economy were Mrs "Jim *arrreil; the soldier hurting and be able tohold who"won Jesus' fine' robe was back. • portrayed by Mrs. Lorne One farmer was concerned . Kelley; wind M Jack Wilson with the difference in interest told howlmust have felt costs between" Quebec' andt on losing'fierily son. Ontario farmers. In Quebec' Itystitniningtfp the thoughts interest `rates to farmers •' are and feeline4eqeerienced by eight per cent and there is no the 'Ono* ataGolgotha that limit�on;the flunds,availabla,.:t0 , fiEaster, 'Ithe members theTf 'were made dwate that panel:. off redmo answer --ex- Christians ofi'todayr{ also have n in general er. "Profits and with entory more d be created. lire having to arming com- uffering," he disagreed: do make it y are not the tJ ;;opted by the hives that the sly to go down May look for- ent interest." 'encouraged to of partners w, expensive income tax farmers looking at machiine�r► is to own larger piece cooperatively. Mr. Murph suggested that three or more get together and apply for a syndicate loan at 11 per cent. The maximum loan per partner is $15,000 each or a total loan of $80,000. Those present heard that John Phillips, editor of Town and Country, had contacted HFA Vice -President Gerry Fortune and apologized for an editorial that "did not go over well" in Huron. It was not his intention to offend anyone, he added. in ° aponar to the editorial Huron members had requested that the Ontario Federation of Agriculture disassociate itself from the publication. Bill Crawford, Huron Huron fieldrnari, reported on the membership. After . a drop below 2;000, membership is averaging 2,014. ch UCW relives of crucifixion to make decisions and cannot hide behind a no -opinion answer. The program closed with prayer by Mrs. "Madgett. The theme of the meeting was 'What Does Easter Mean To Me?'. Mrs. Madgett opened the worship service" with prayer and a hymn was sung. Mrs. Madgett then told how the date for Easter is decided each year and told` the legend of Easter, the Easter lily and the dogwood with its flowers in the shape of a cross. The speaker then discussed what Easter means to dif- ferent people and how they 1 celebrate it. She then asked the group, "What does Easter mean to each of us and what is its message to us?". Scripture from Mark's Gospel was read responsively and the offering and prayer closed the worship During the business portion of the meeting roll call was answered by 21 members. The group was"'reminded of the invitation to join the evening unit on'Apri19; also the Dairy Herd Improvement dinner on March 27 at 12:30. The meeting closed with prayer by Mr. Fleetham after which a social hour was spent with lunch served by Mrs. Kelley, Mrs. John Topham, Mrs. Rae Louttit and Mrs. Glenn Johnston: Proposed Cruickshank Park Apartrnents Above is an artist's rendering of the develop- ment proposed for Cruickshank Park, showing how the senior citizens' apartments would fit into the existing park end how the park would look when it was done. The apartment building itself, would be attractively finished in brick and aluminium siding. It would be 94 feet wide and 110 feet deep, with two sftoreys accommodating 19 living units in- cluding a suite for the handicapped. Most of the living units would open to the north or south, with the rest opening to the rear of the building. In order to shield the residents from any traffic noise along Josephine Street, none of the living units would open onto the main street. The apartments would be set back about 33 real ironz the sidewalk and the whole building would occupy about 170 feet at the southern end of the park, leaving 176 feet of parkland between it and Alfred Street. The construction would require the removal of one small tree and two Targe ones, but the -rest of the existing trees would remain to provide shade and a pleasant atmosphere. The town plans to move the memorial plaque honoring 'Doc' Cruickshank further to the north and place it behind a redesigned fountain, which would be easier to maintain and keep functioning than the present one. A paved walkway would wind past the fountain and through the park to provide a pleasant stroll for anyone entering the park. In addition, a 5 -foot by 5 -foot plaque on the front of the building would identify it as a Senior Citizens' Building in memory 'of 'Doc' Cruickshank and another historical plaque commemorating Doc's achievements would be mounted in the lobby. We feel that a redesigned park would encourage more people to use it and that the proximity to the senior citizens' apartments would reduce the problems of vandalism. We think the development as proposed would be a great asset to the Town of Wingham and. we want you to see what we have planned and judge for yourselves. We hope this will help to clear up any misconceptions anyone might have had aboutthe project, The Mayor and Council of the Town of Wingham 0. WINS UN TRIP—A Teeswater girl, Nima Patel, won a trip to the united New York at a.result of winning the Huronic Rebekahs and Oddfeliowa Ppblip*pea l¢„ contest in Clinton on Friday eight, March 7, Left to right ere ,ean IR;dew 4t +M'- field, Rebekah's district deputy president; `'Nirria; Rick Kloss of Seaforth.Dlsrict, ka8-, ner-up; and Wilf Caslick of Wingham, district deputy grand master., ( Photo by Vern Sawyeri Tt 9 MRS. WILLIAM SOTHERN Notes from Fcrdwi4'. .On Saturday night the Wingham Snowmobile Club held a wiener roast at Bruce Sothern's farm. There were between 40 and 45 snowmobiles. Songs were sung and the good turnout devoured lots of hot dogs, sausage and coffee. Thanks, Gordie, for a job well done! Mr. and Mrs. Bob, Kelley and Brian of Hanover spent Sunday with Mr. and -Mrs. Harry Winkel. Brian Kelly spent the weekend with his grandparents, Mr. and Mrs. Lorne Kelley. Ellwyn Cherrey and Cheryl Cherrey of Glen Allan visited Sunday with Mr. and Mrs. Lorne Kelley, Congratulations to Mr. and Mrs. Bill Yeoman, the former Linda Espensen, of Wroxeter on the arrival of a son on Thursday .. at Listowel Memorial Hospital. - Mrs. Wellington Hargrave and Mrs. Alex Wray en- tertained friends and relatives at the former's home Sunday afternoon for a miscellaneous sho\wer in honor of Miss Cindy Sherrer who will be married in April to Jim Reid. The bride- to-be received many gifts for which she thanked everyone. The hostesses' served lunch. Friends will be • sorry to learn that Robert Connell was taken by ambulance last week from Lis_ towel Memorial Hospital to University - Hospital, London. Mrs. Gladys Hurley of London spent the weekend with her brother-ill=1a* and sister, Mr. and Mrs. Gerald Martin. Glenn Johnston assisted with the horses and carriage at the, opening of Parliament in Toronto. He and Mrs. Johnston also visited with Mr. and Mrs. Ai Chamberlin at Acton., • ° Mr. and Mrs. Jim Robinson and family visitede Friday evening with Mr. and Mrs. Bob' Kelley in Hanover: Miss Mary Siefert is one of the LDSS students who left Saturday morning for a week • in Hawaii. Mr. and Mrs. Graff of Hanover visited Sunday with Mr. and Mrs. James Warren. Mrs. Freida D'Arcey and Mrs. Betty •• Bride of Palmerston spent , the weekend with Mr. and ,.Mrs. Bob Bride and family at Tharnesford. Mrs. Eileen Sullivan of Greenwood, N.S., is spending two weeks with her parents, Mr. and Mrs. Elsner Miller, and other relatives, in the community., Mr. and Mrs.. Bruce Shannon and family, of Drew visited Sunday with Mr. and Mrs. Brace Sothern.. • 1VIi . arid• Mls. Eliitel Mt11er and Lori and Brenda Martin visited with Grant Miller at OCCC in Torontta.. . Twelve tables were id play .at the senior citizens' card party at the \ community hall on Friday evening. Prizes for UCW unit meeting at Graham home FORDWICH—Mrs. Ken Graham hosted ' the March meeting of the evening unit of the United" Church Women. President Mrs. Harris opened - the meeting with a poem, 'Spring', and a hymn was sung followed by prayer. The roll call; 'thoughts for Lent', was answered by 13Wmembers, one ,visitor and Rev. T.Fleetham. Mrs. Bill Hutchison and Mrs. John Wagler . conducted the worship service. Following the singing of a hymn, Mrs. Wagler led in prayer. A psalm was repeated in unison and scipture ' was read from Psalm 99. Mrs. Hutchison read a story on Passion Sunday, an importapt event of the Lenten seasofi, and following a hymn, the Lord's Prayer was repeated and Mrs. Hutchison closed the worship with prayer. The minutes . of the February meeting were read and the treasurer's report was given. Mrs. Harris charred the business which incl.,ded announcement of the Optimist Club supper April 2. with Mrs. Florence, D'Arcey's group doing the catering. The LDSS choir concert will be April 8 in Howick Central School at 8:15. The next. meeting of the evening unit will be April 9 at the church ' with invited guests and a guest speaker. The Easter Thankoffering will be held Sunday evening, April 13, at the church. The ladies were also asked to cater for a wedding at the Howick Community Centre on April 26. The offering was received and Mrs. Graham was thanked for the use of her home for the meeting. The program, by Mrs. Joyce Lockie and Mrs. Clara Gibson, was based on a Lenten theme. They read items on Lent and Mr. Fleetham also read an item on the meaning of Lent. Following the singing of a closing hymn, Mrs. Lockie closed the meeting with prayer. Lunch was served by Mrs. Morley Johnston and Mrs. Mel Allan. high scores went to Peggy► Schneider and earl Geigr; . low scares wonprtslor Jim Warred. .a44.47101.. . and lucky prigs wwon;,by Mrs. William . Jonas and Russell Nickel - STATE WEN NEiYERTIOME onof eon n . If yourhome is less than 7 years old, you may gave money. Find out how muck -cad: R. W. "RICK" GIBBONS 25 ALFRED ST.'S. 519-357-3280 1. State Farm Fire and Casualty Company Canadian.Head Office: Scarborough, ()Mario- -HANOVER HOLIDAY TOURS 286A 10th St., Hanover, Ont. GOLDEN WB$T CA1.U0OI1k-: NiA - Motor coach tour, 22 days departs March 30. Tour Texas feedlot area, Grand Canyon, Las Vegas; Hollywood, San• Francisco, Lake Tahoe, Salt LakeCity. Priced from $839. per per- son. HOLLAND MICHIGAN TU- LIP FESTIVAL - May 15, 4 days, some meals includ ed, parade seats, shop- ping, visit Dutch Village and tulip form. From $159. per person. NASHVILLE TOURS - Day travel only departs April 4 for 4 days from $159. per person. WHEELING WWVA JAM- BOREE - leaves early even- ing April 3, 4 days no over night driving. From $124. per person. ROCKIES AND PACIFIC - via motorcooch 21 days de- parts July 5, July 27 and Aug. 9. From $894 per per- son. For membership on these tours contact your local agent or Hanover Travel Service, phone 1-800-265- 5515 toll free. Further Information from Hanover Holiday Tours 1-800-265-5517 toll free All tours deport from Winghom. 1980Crop Information Day Belgrave & Auburn Co -Op March 26 11:00 a.m. at the Myth Community Centrg lunch Provided Call 3572711 o'r 887-6453 before March 25 if planning to ott id! •