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i i 2 & 3 Pc. Men's SUITS Values Up To $175.00 Men's Dress æ mm An PANTS 15 00 Values Up To s 40.00 Men's CARDIGANS & PULLOVERS Values Up to $58.00 Men's Casual PRICE SHOES 20 00 Values Up to $40.00 Men's TOPCOATS & OVERCOATS Selected Group Men's OUTERWEAR Ski Jackets, Car Coats, Suede and Leather Bomber 1 /2 PRICE y 2 PRICE Men's Leather Dress SHOES QQ95 Values To $90.00 Selected Group Men's SPORTCOATS 4 BLAZERS Values up to 99.00 (49.50) Selected Group Men's Dress ap SHOES 29 95 PRICE 1 5 00 Values To $60.00 Men's HATS Values Up To $ 30°° 1/2 PRICE DUNN'S Open Mon.-Fri. 9:30-9:30 Saturday 9:30-6:00 OSHAWA CENTRE The Canadian Statesman. Bowmanvillc, February 5,1986 3 Securities Commission Urges Cautious Spending Mutual affordable, investments, should spend funds can be practical but investors time studying St. George's Anglican Church, Newcastle, was the setting for the marriage of Katherine Martha Jury and Richard Frederick Lyle Seibarth on Saturday, October 12, 1985. Reverend Small officiated at the ceremony and the organist was Brian Proctor. The bride is the daughter of Mr. and Mrs. William Jury, Oshawa, formerly of Newcastle. Newcastle. The groom is the son of Mr. and Mrs. Robert Seibarth of North Bay. Given in marriage by her father the bride wore a chiffon gown. It featured sheer bishop sleeves with deep lace cuffs and lace appliques and a Victorian collar of lace featured delicate shiffli embroidery and sprays of seed pearls on a fitted bodice, She wore a matching hat with sprays of seed pearls and her grandmother's pearls completed her ensemble. Darlene Staples of Peterborough Peterborough was the maid of honor. Bridesmaids were Nancy Seibarth of North Bay, Ruth Jury of Newcastle, Caroline Baker of Hamilton and Kim Beaudry of Bowmanvilie, Jami dePencier of North Bay , was flower girl. Doug Cushing of North Bay was best man. Ushers were Albert dePencier dePencier of North Bay, Ken Jury and Brian Jury of Newcastle and Stephen Hawkins of North Bay. Ringbearer was Shane Whitney of Bowmanvilie. The reception was held at the Orono Community Centre. Following a honeymoon to Hawaii, the couple are now residing in North Bay. Happeni Mr. Doug Paterson, Bowmanvilie called on his parents Mr. and Mrs. Roy Paterson, Sunday. Mrs. Carol Rusaw accompanied her husband Wayne on his trip east this past week. Mr. and Mrs. Percy Beech, Blackstock were Sunday supper guests with her parents Mr. and Mrs. Wayne Rusaw. Mr. and Mrs. Fred Smith and Amanda went to visit with his parents, Mr. and Mrs. Lloyd, Smith, Enniskillen Saturday night, where Fred's sister Mr. and Mrs. Alan (Bev) Labelle and boys Rock and Carey from Hall, Quebec were also visiting. Sorry to hear that baby Banks has had to be in the hospital, but she has returned home now. Mr. and Mrs. Steve Millson and boys visited with Gramma and Grampa (Mr. and Mrs. Don Cowle) on Saturday morning. Mrs. Cindy Millson, Adam and Andrew called in on Donna Mairs on Sunday and she and Mandy accompanied them to visit with Mrs. Gail Finney and family, Bowmanvilie, returning home they had supper with Mr. and Mrs. Alfred Millson. Mr. and Mrs. Paul (Debby) Hutchins and Ethan and Andrea from Barre, Vermont, U.S.À., stayed for a visit with Mr. and Mrs. Wilbur Blackburn and family from Wednesday to Sunday. Club 21 meeting will be held Monday, February 10th at the Community Centre with Group I in charge - Betty Roth, June Trewin, Brenda Lucchi, Jan Mayer, Blanche Jones. Sorry to hear Mrs. Vera Garrard is still in Memorial Hospital. We had hoped for THE pom Hay don more, improvement, so we wish her well. Mr. , and : Mrs. 'Bob (Margaret) Jones, Heather and Maureen, Port Colborne were Saturday supper and overnight guests with Jack and Blanche Jones, John and Sandy. Friday evening John and Diane Adams and family joined Mr. and Mrs. Richard Lott of Enniskillen and Mr. and Mrs. Neil Love and family, Blackstock for dinner at the Globe Restaurant for dinner to celebrate Diane's birthday and then went to the hockey game at the Civic Auditorium to watch their favourite team, Oshawa Generals win their game. Happy Birthday congratulations Diane. Miss Julie Adams attended the birthday party for Sarah Lloyd, Saturday and spent the evening. Master Ricky Adams visited with his cousin Jimmy Love at Blackstock on Saturday. Mr. and Mrs. J. Adams and family called on Mr. and Mrs. Bob (Mona) White, Blackstock on Sunday. Later on Sunday, Mr. and Mrs. N. Love, Blackstock and Mr. and Mrs. Richard Lott of Enniskillen and Mrs. Carol Lowery, Toronto called on Mr. and Mrs. J. Adams and family. Miss Sarah Lloyd spent Friday afternoon and evening with Miss Kathy Goswell, Enniskillen. t)n Saturday Nicola and Sarah Lloyd had a joint birthday party. Congratulations girls. They spent the evening bowling and each had a girl friend for the night, Miss Julie Adams and Miss Carrie Brown. Saturday callers with Mr. and Mrs. John Bertrim were Mr. Johnny Adams, Haydon and Mr. Bob Huber and daughter from Burketon. Mr. and Mrs. Ernie Adams and family, Blackstock called on John and Cecile Bertrim Sunday afternoon. Sunday night Mr. and Mrs. J. Bertrim visited with Mr. and Mrs. Ken (Jean) Urwin and family. Mrs. Keith Miller, Sunderland, Miss Ann Miller, Toronto and her roommate Katherine were Saturday visitors with Mr. and Mrs. Brent (Bev) Cochrane, Cindy and Kathy. Mr. and Mrs. Alfred Millson spent the weekend at Younge's Point, visiting with Mr. and Mrs. Earl McCutchon. the different plans available, before spending money. "Investigate before you invest," advises John Lcybourne, director of enforcement for the Ontario Securities Commission (OSC). "Many people with limited 1 amounts of money to invest arc turning to mutual funds and they are largely happy with the results. But you have to choose carefully to be sure the fund meets your individual needs." Operated by professional money managers, mutual funds are investment pools. The company operating the pool sells shares to the public and reinvests the money in a variety of stocks, bonds or other securities. Shareholders don't have to spend hours following stock market activities, since all the buying decisions arc made by the fund's managers. By purchasing shares in a fund, investors gel a stake in all securities owned by the pool. Many fund shareholders might otherwise only be able to afford a small investment in a single company. Mutual funds can buy large blocks of stock at good prices because of the quantities involved. The pools also allow shareholders to balance the risks inherent in any type of investment. Some funds buy shares in highly risky, but potentially lucrative companies to give shareholders a chance at large returns. The same fund may also have large shareholdings in low risk ventures, offering limited, but steady returns. This gives shareholders a measure of security. Certain funds only buy into speculative, high risk areas, while others go to the opposite ' extreme, with holdings concentrated in conservative, blue chip investments. "The trick is to pick a fund that is most likely to help meet your financial goals," says Leybourne. "If your investment is aimed at bringing in a steady income for retirement, you should steer away from risking it in a speculative fund and instead, look into a pool offering safer securities." Funds are required by law to produce a package of background information called ■! : a r prospectus, containing , financial statements, détails about the company's holdings, and an explanation of how the firm operates. When shopping for a fund, study each company's prospectus carefully, Leybourne advises. "It may be dry, but it's required reading to ensure you know what you're going to get," he says. "You should also explain your financial goals and current financial status to the sales broker. It is illegal for a securities dealer to sell you a plan that is totally unsuitable for your needs." There are various ways to buy into a mutual fund, but whether you sign up for installment purchases or simply buy a group of shares at one time, there will be a sales fee involved. For regular purchase plans, the fee is often deducted from your initial payment and averages eight to nine percent of the total value of shares to be purchased. Called "front- end loading", this practice effectively reduces the number of shares bought with the first payment. "For example, an investor may decide to buy $1,200 worth of shares in a fund annually, paying $100 a month and accumulating shares as the payments are made," Leybourne says. "If the company charges a $100 front- end loaded sales fee, the first payment would be used up by the fee and the investor would not actually own any shares in the fund until the second payment is made." Information about all fees must be in the prospectus. If you don't understand how the fee system works, ask the broker to explain it. "Remember, you will have to keep your money invested in the fund at least long enough to recoup the management or sales fees, otherwise you'll lose money," says Leybourne. "Mutual, funds are not designed for short term investments." The number of people borrowing money to invest in mutual funds is growing. Financial benefits, including tax breaks, can be gained by taking out loans for investment purposes but Leybourne says the risks involved can be overwhelming. "It's easy to borrow money for investments these days, but you must never forget that these loans have to be repaid - perhaps even overnight," says Leybourne. "If, for example, you pledge mutual fund unils as collateral for the loan and the value of your units drops, the lender could demand immediate repayment or ask for more collateral. This can be disasterous for some people." Questions or concerns about companies operating mutual funds in Ontario should he directed to the OSC at (410 963-0242. Photographically Speaking . . . Dramatic Closeups like this one of the stigma of a blaze-red hibiscus blossom are eçisy to take if you use the proper approach arid equipment. The photographer relied on a 1:1 macro lens mounted on a tripod to minimize blurring due to camera motion. The lighting -- the key to this shot's success -- consisted of strong natural sidelighting. The 1 black in the background is shade behind the flower. 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