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ctutthsttwl8ii6 1kc whqu 10 the canadian bohtsn0w ejhii1ii0k miktqromo 1st rffcth smtprtv r citc u h 3 ift fawitr bobtshow 5st 3- o m a happy retirement perhaps it seems far away now but the years have a habit of lying by its never too early to plan for your retirement years and remember that sun life one of the great life insurance companies of the world has policy plans that will provide for these years while at the same time protecting your family in case you should die prematurely i am a local sun life representative may i be of service jim abell phone 6403712 sun life assurance company of canada in theshowring and in herd performance coop dairy feeds are formulated to bring out the best in your dairy herd your coop congratulates mr c j ce rswieh owner and earl wood row herdsman o bond haven farm winners of the royal agricultural winter fair grand champion ward with bond haven signet sally ex further congratulations to mr george r mclaughlin owner and harold and maurice jebson herdsmen of dunrobin and elmcroft farm for the reserve grand champion award with elmcroft inka jean olla vg both champions and herds had outstanding records over the past year bond haven signet sally made 14286 lbs as a four year old while elmcroft inka jean olla made over 1 7500 lbs as a three year old herd averages were equally impressive see chart you too can get the best out of your herd by using coop dairy feeds coop is now offering its new dariflo line of concentrates to help you get the maximum results from your homegrown grains and roughages coop dairy feeds are formulated with the highest quality ingredients and are backed by the largest research organization in north america bememher your coop is oned tnd controlled by the people it serves shown obov mr eort woojow htrdiman of bond haven form beef on cafhrin sovth 1962 canadian dairy frincttl ef brampton ontarioi and mr harold jtbton donrobin and f hero i form htrdtman with championt bond hcvti signtt salty it and itmcrcft inva jean oth vg bond haven hard bca average 39 reported 128 miv 12 bjf elmcroft hard bc a avaraga 6 reported 121 ma 123 bf coop thfcro 1 a coop feed for every need stouffv1lle coop phone 610-1530- 1 531 no such average thing farm as an family tvjy jwwfy 3t wj the stouffvule tribonf pi i by helen abett ph 1 what per cent of its income does the average canadian larm family spend each year on food clothing shelter trans portation health insurance and on the dozen expected- and un expectedexpends that come to every family there have been frequent and futile attempts to obtain use ful figures on this subject but researchers seem to agree on only one point that financially speaking there is no such thing as an everage farm family for one thing farm incomes vary some augmented by fam ily allowance and old age pen sion cheques or by wages brought in by a working wife and farm incomes are in gen eral uncertain depending on crops weather marketing con ditions and consumer demand in 1960 for example the average net income per farmer was approximately s2900 as calculated from department of agriculture figures the family who planned its budget around this amount the following year would soon find it unrealistic because average net income dropped to s2300 in 1961 un der these conditions it is obvi ously more difficult for a farm family to plan a budget than a city family which earns a fixed income and yet there are some farm families who make good use of a budget a great number do not have a piece of paper actu ally labelled budget for our family living expenses but they plan ahead of time what they must pay for family liv ing costs food clothing and health for example evidence on this subject was cbtained through the coopera tion of some 352 ontario farm homemakers who were inter viewed throughout the province during the early summer of 1959 the average size of these homemakers families was from four to five their laborsaving home appliances represented an average investment of 513s7 and in laborsaving farm equip ment s9063 who spends the farm income in these families for the most part 67 per cent of the families surveyed the decision to spend money has been made jointly by the hus band and wife a fact the sales man in town does not overlook when a farmer tells him he is considering making a purchase of farm or farm home equip ment budgeting then is and should be a cooperative enter prise for farm families about one quarter 23 of each 300 of the farm women said they and their husbands operate on a planned budget for family living expenditures an additional 37 of each 100 said that although they do not have an actual budget they do plan well ahead of time be fore spending the income they have available for family living laving expenditures for all these particular families have one important element in com mon expenditures are made on the principle of necessities first one young farm couple struggling to make a successful living on the farm were faced with the problem of deciding if they should invest in labor-sav- irg equipment for the wife or in farm machinery they had an active growing family which made every day wash day for the young mother who was fast approaching the point of exhaustion her ohsolete washer did little to help her the husband knew they should purchase a washerdryer but he was also uncomfortably aware that he would soon have to invest in new farm machine ry and this would take more cash than he had in his pocket finally the couple consulted a district home economist who put their problem in proper perspective by pointing out that the greatest immediate pressure was on the mother and for the sake of her health the couple could feel justified in purchasing a washerdryer on credit investing in tomorrow this look before you leap method of handling money is the essence of budgeting ft is the opposite of impulse buying which is after all a carefree way of letting your money slip away from you the planning cf a budget whether it be for an individual a family a na tion or international agency is simply a process of thinking through and recording an in- lent to set aside stated amounts of money for known future ex- a wm fouftheatin6 oil you would try- youd find it st honey can m phone 2941600 service station peases for ma t families this would include food clothing mortgage payments operating expenses including power telephone automobile or truck expenses house furnishings and house hold supplies in addition there should be categories for medi cal and dental care repairs and replacement development in cluding education entertain ment club dues and vacations and though it is usually the last item to go into a house hold budget there should be a category for savings in bank accounts insurance and invest ment in a house but these ate only guiding categoriesand not every fam ily would find full satisfaction and security following this kind of budget a farm couple who do not have children might want to st aside money for their planned retirement off the farm another may he contrib uting to the support of a de pendent outside the home every budget should be plan ned to suit the individual fam ilys needs and wants a budget is not a guarantee against unplanned and unexpected e x- ditures of course but it does enable one to know exact ly where when why and how tiie money was spent a careful examination of past records of expenditures can be a powerful too in managing money more wisely in the future while satisfactory figures of farm family income and ex penditures seem unobtainable the dominion bureau of statis tics published figures which showed what proportions urban families were spending for food clothing housing etc in 1959 families with an income of less than 2500 had to spend al most a third of it on food and a quarter on housing while families with an income of close to 5000 spent only a quarter on food and less than a fifth for housing and as in comes increased so did the per centages spent on clothing automobiles luxuries and per sonal taxes these figures are not a guide they represent a pattern they reflect not the proportion these urban families should have spent but what they actu ally did spend unless a farm family is oper ating on a planned budget suit ed to their own income and reeds it would be difficult for there to see a similar pattern of their expenses most people could estimate an answer but such a guess particularly con cerning the amount spend on food might be less than actu ally was paid out the 332 farm homemakers interviewed in ontario were asked do you keep a record of the amount of monev spent for j food what is your approximate i weekly cost for the food you i buy what homeproduced foods are not- included in this everage weekly cost of food about one in five kept a re cord of food costs and the aver age amount they spent per week in 1959 was 1626 the majority four out of five did not have written records but estimated their weekly family food costs at an average of s1517 thus memory of past expenditures is not as accurate a guide as a written record as every farmer and his wife know the more food he pro duces for family use the less cash must be spent for it this is an obvious advantage which farm families have and which city dwellers do not have montrealers for example were paying an average of 110 per person per day on food in 1962 according to mrs agnes higgins executive director of the montreal diet dispensary but the financial advantage of homeproduced food is almost lost on those farms where spe cialization in one crop or one type of livestock is replacing mixed farming operations the farms on which these 352 women and their families live are nearly all mixed farms where no one particular pro- duet accounts for more than half of the yearly farm income this is the type of farm which has been predominant for so long in canadian agriculture those farm families which continue to produce all or some portion of such foods as eggs poultry milk butter and meat had much lower food costs than those who purchased all or most of their supply of these same foods the farm homemakers were asked whether all some or none of the following foods were homeproduced or in the case of fish caught by family mem bers milk eggs poultry butter meat fish vegetables and fruit their replies clearly show the economic advantage of home food production to a farm fami ly a group of 11 reported an average weeklv food cost of only s1300 per family this group was no significantly dif ferent from the other families in size or composition they dif fered only in that they produc ed all or some portion of their supply of the eight foods listed in contrast to them were 17 families wiio reported spending an average of s2 each week for food this group differed in that they had the highest food costs and the ieast overall home foodproduction of all 332 farm families the particular dominion bureau of statistics index num ber which reflects farm family living costs through the years has risen from 100 in 193539 to a high of 231 in august 1962 this means you now pay 231 for the same goods and services you paid 100 for 23 years ago there is no reason to belive that this condition will be reversed farm family living costs seem to have no way to go hut up thus the importance of bud geting of planning wisely to day for tomorrows needs the family that sets aside a small definite sum for future goals such as education of the chil dren and for retirement does not necessarily have to forego present day needs and satisfac tions the trick seems to be in keep ing track of all expenditures no matter how small and then re organizing spending and saving in ways agreeable to the entire family you might hare the surprise of one family who found that the periodic perma- nents and other beauty aids so dear to the heart of the distaff side of the family did not cost as much per year as the male members frequent trips to the barber shop when this came to light the vague resentment that someone was wasting money soon disap peared the family agreed that each member needed money for this type of personal care and adjusted their budget accord ingly although most farm families differ in the nature size and volume of their farming opera tions and resulting income some are willing and able to operate on a planned budget for family livig expenditures they do not think they are too prosperous to budget do you green river miss janice calbcrt enter tained a number of friends to a birthday party in her honor on friday mr and mrs a gray miss ida and mr henry gray were saturday evening guests with mr and mrs j a nighs- wander mrs m draper is under the doctors care mr and mrs w m duncan had dinner on sunday with mrs e cassie of stouffville and also called on mr j davies at the brierbush hospital and found him to be his usual cheerful self those attending the skating party of the sunday school on saturday evening had a good time lunch was served after wards at the sunday school room miss i gray entertained some friends to an evening of cards at her home one night recently mrs wm duncan called on mrs latcham recently and al though she is confined to bed was very cheerful and enjoyed having one of the neighbours call on her mr and mrs tt hamilton visited with mr and mrs l pcgg on saturday evening billy grahams associate evangelist gjjqj ford brings a timely and vital message for all hear this outstanding evangelist 917 february at knox presbyterian church spadina and harbord toronto each evening at 745 pm porting at spadina willcocks oppowle church xxvvvx vvvvvvv vvvn vvvsnvv clearance sale 25000 stock of ootwear up to 33t lehmans shoes main st stouffville ph 6403753 for office supplies see the tribune dinner ring a busy office a busy home but now an evening together he phoned lets dine out tonight she called the sitter he booked the table called a cab how did people ever get together without the phone ikio5igasoiini viokoiickiwsesl mwist makkfiam bell built managed and owned hv canadians 1962 pontiac b cyl automatic radio whltcwnlls immaculate con dition 1959 pontiac iaurentisn station wagon 4 door v8 automatic radio whitcwalls power steering perfect condition throughout 1960 buick 4door sedan automatic power steering and brakes radio whitcwalls ixnullftil dark blue finish 1960 chevrolet 4door sedan fi cylinder nulnmatlc transmission two tone green with white top a very clean car 1958 chevrolet blscayne 4 door sedan two- tone green and while only 3000 original miles 1959 pontiac 4door hardlop 6 cyl auto matic radio new uhllewau tires scarce model just ilka new neii patrick motors ltd two locations corner of 3th and main st phone 6w3150 main st w at the tracks phone 6403452 stouffville ontjrlo open evenings till 030 pm iwnwunwbbmm luulluuuiiuuib