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Don't be too hasty In decision-making by Murray Moore Don't rush into buying. Buy what you can afford. Be prepared to sacrifice. These and other tips came from local A.E. LePage Real Estate branch office manager Don Tannahill at a seminar for first time house buyers last Monday evening. Art Crawford, manager of the Midland Sterling Trust branch Office, advised that although it is usually cheaper to stick with your lender when your mortgage comes due, that it can be worth it financially to switch to another lender, if a lower rate, that means the balance can be paid more quickly, can be obtained, at a rate low enough to justify the expense Of a switch. Lawyer Joe Blake described the Registered Home Ownership Savings Plan as "the greatest tax benefit there is."" The benefit is great enough that >it "1s worth borrowing money to put into a RHOSP, he said. Blake also advised a buyer be wise attitude. Always take a last look at the house before you sign. If you have doubts at any time, bringing in an expert for $50 or $75 to inspect your area of concern is a good in- vestment, he said. A survey of the property, while not always needed, should be done if there is any doubt about what is being sold and about what is represented as being sold. A survey. after purchase is of nO value, except to tell you things you might not want to know, Blake said. The rule of thumb taken by lenders towards people applying for a mortgage is that their monthly payments on the property, in- cluding principal, in- terest, and taxes, should not be more than 30 per cent of income, Additional payments, such as car payments, should not exceed a further 10 per cent of total income. Generally only half of a wife's income is calculated into the total income in the calculation of a couple's income, because a wife is more apt than a husband to be taken out of the workforce at any time. Tannahill also suggested that one-of- Correct date The closing date for walleye and pike in Georgian Bay was March 15 -- not May 15, as reported in Brian Berriault's Outdoors column in last Wed- nesday's Sports Report. (Keep in mind that no other species of fish is affected by this recently-announced closing). | Pike and walleye season re-opens May 1. The Times regrets any inconvenience this error may have caused. kind properties are apt to be hard to resell. Location, he said, is more important in terms of resale value than the 'house itself. Choosing and sticking to one real estate agent will get a prospective Orillia Cinema 3 buyer farther ahead than relying on the real estate ads in newspapers, because the better houses tend to be sold before they appear for sale in the newspapers, Tannahill said. Call 326-3338 326-3339 Cinema 1 Starts Fri. PORKY'S 7&9 Restricted PEN 1 John Belushi Dan Ackroyd Lock the doors... here come the Neighbors PEN TWIN PENETANG Wed. March 17 to Sat. March 20 7:15 BILL MURRAY yew Fri. Only Sraipas > SUIT 549-2953 Bonus 3rd Feature AA A377 me vOne memCE TE Sat. Matinee 1:30 - DISORDERLY ORDERLY - Jerry Lewis EYE FOR AN EYE CLONUS HORROR Sun March 21 4 Features 1. ROAD GAMES 2. Mon March 22 Fri March 19 to Thurs. March 25 7and9p.m. WARNING: NOT FOR CHILORE SCENES OF VIOLENCE. SOME DEON THEATRE Midland 526-5791 Fri. March19 to Thurs. March 25. 7&9 LANGUAGE OFFENSIVE. Theotres Br. Ont. FS! Special Sat. Matinee 1:30 PIPP! LONGSTOCKINGS HELDOVER "NUMBER ONE PICTURE OF THE YEAR.. ciel Seca -_ swine DOUG McKEON - DABNEY COLEMAN: WILLIAM LANTEAU "DAVE GRUSIN "Se BRUCE GILBERT move BILLY WILLIAMS, nc "PPS Canadian Odeon Theatres King St., Midland 526-5791 WANTED COMING EVQNTS DEATHS _ AUCTION SALES | AUCTION SALES 2 [eens we pane ew ede a night a ake Gal WEBB, Walter - At the Club. Country | Penetanguishene ERNIE SEVERN re ior, ener) Hes fale on AUCTIONEER arc oy Monday, March 15, , = 77% Preston reser- | in his @ond year. Walter vations §hone 322-1664. | Webb of Wyevale, R.R. 1, Alliston, Ont. LOM 1A0 22_| beloved husband of Iva Louise Large. Dear father of Edith (Mrs. David (Ted) Caston) of Wyevale. Lovinaty remembered y grandchildren, Gerald and wife Sheila, Karen and husband Bill, Vern and wife Marg, Joan and husband Wally, Wendy and 10 great 322-1 871 ee eiclill DEATHS of e late ale EATHS ee bad deg eh Me BLACK, Wilmot L. orence, mma, (Veteran of W.W. 1) - At | Lovisa, Alfred, David, the Penetang General Hospital on Tuesday March 9, 1982. Wilmot L. Black of Elmvale, in his 87th year. Beloved husband of Elma Rutherford. Dear brother of the late Minta Brown, Percy, Joseph Henry, Robert, James and Everett Black. The funeral service was held at the James H. Lynn Funeral Home, Elmvale on Saturday March 13 at 2 p.m. Interment later Elmvale Cemetery. x Charles and William. Friends may call at the Lynn Funeral Home, 290 First Street, Midland. Complete service in the chapel, Thursday, March 18, at 2 p.m. Interment later Wyevale cemetery. Rev. John Locke officiating clergy. In memorial donations to the Ontario Heart Foundation would be appreciated. : 33 AUCTION SALES AUCTION SALES R COLWILL QUALIFIED AND RECOGNIZED Auctioneer ¢ Farm e¢ Furniture e Antiques Estates ¢ Real Estate Selling Successful Sales Tuesday evening, March 23 at 6:30 p.m. at Em- a 726-8904 AUTHORITY Appraiser Since 1957 Crippled c Highest c S paid for d tle. (705)326 any e. OrilliaX Lives™ck Exchange.\We do not pick up de Will pay cash for used crawlers, loader and backhoes. Call Jim - 326-9694 after 7:00 p.m. 21TF Good piano, small out sailboats, rowboats, 7828. playground equipment. Call Ca Silkyterrier puppy, 526- 3069. After 6 p.m. 21TF sturdy ictor, 526- 21,22,23 bassy Hall, 386 Blake St. Barrie, for Mr. K. Callan of Barrie and the estate of the late Ruby Adams of Minesing. Bed chesterfield and 2 matching chairs newly upholstered, ladies combination cabinet and desk, 6 pcs. love seat set walnut trimmed and Carved, newly upholstered. R.C.A. stereo and radio comb. wirecords, 6 pcs. mahogany dining room Suite w/oval table and 2 leaves, mirror and sconse set, pr. brass candelabra, 2 small cabinets, 56 pcs. Aynsley bone china dinnerware, 'Weadover' pattern complete, several plates in Royal Bayreuth, Ambassador, Cobridge Eng. hand engraved Friendly village, Stafford, crystal, cups and saucers in Paragon and Aynsley, 2 French Limoges veg. dishes and large platter, large qty. of linens, blankets, table cloths, sheets etc., fruit nappies, 2 bedroom suites, parlor table, matched oak dresser and highboy, treadle Singler sewing machine, blanket box, organ stool, bed chester- field, 3 pcs. chesterfield suite, hall rack, coffee table, coat rack, 2 trilight lamps, lazy boy chair, pole lamp, wicker fern stand, magazine racks, Electrohome color T.V. portable w/stand, walnut hall table, oak buffet, set of silver, partial set of En oak glass fronted cabinet, kitchen t irs, electric stove, G.E. refrigerator, & ue chairs, blanket material eph tand, knife sharpener, comod measures, Colds washer and dryer board, trunks, ilk bottles and fluid er, rs Salo garden tolls, ter tools, box of antique tools. Terms cash wiigentification day of sale and 1.0. req ter. Preview from 5 p.m day of sale. Auctioneer's remarks: An exceptionally good clean quality sale with several quality and antique items. Plan to attend. Lunch available on premises. Wed. evening, March 31 at 6:30 p.m. at Elmvale Community Hall for Mrs. Herb Ritchie. Sale of complete household furniture including ap- pliances; living and bedroom furniture. Several an- tique pieces. Sat. Apr. 3 at 12:30 for Harald K. Martin on Con. 8 Flos Twp., 2 km west of Hwy. 27, turn at Elmvale Lumber. Sale of full line farm machinery, tillage, hay and harvest equip., tools, etc. Sat. Apr. 10 at 12:30 for Edmund Culham, 4 miles N.E. of Stayner on Sunnidale Road. Full line of high class farm machinery, tillage, hay and harvest and planting machinery and tools etc. (705) 435-4878 S.C.L. No. 10 (ee ETS | AUCTION SALE High Class Farm Machinery for Alan Emerson Lot 38, Con. 1, Oro Twp. Situated on Hwy. 93, approx. % mile south of Craighurst, or 5 miles north of Crown Hill, 10 miles north of Barrie; on Friday, March 26 at 1:00 p.m. The sale offers Int. 1086, diesel tractor, fully powered, cab, radio, recirculation air, complete with duals (like new); J.D. 1010 diesel - crawler wiloader, equipped for quick coupler back hoe; Int. 735, S.M. 5-furr. plow hyd. reset; Int. 45, Vibra shank cult. - 22% ft. with wings and Remlinger 3-bar levelling harrows; Int. Cyclo 400, 6-row corn planter; Electronic control; Culsa field-sprayer w/2-200 a tanks complete witb saddie harness, in wagons; 2 ; Bahlen N-380 u. per hr. - pro- teel Rosco gravity d King 6" augers, head, 3-row corn wicab; J&M 350-20, all steel bins - 2000 bu one-35'; 2-50'; tors including 1-3 H.P.; 2-5 lic rams; Remington chain saw; Misc. shop toG™B; some household items, modern and antique etc. Car: 1967 Mustang deluxe model, 2 dr. hardtop, restored, certified, (if not sold previously). Comments: The above farm machinery has been purchased in the following yrs, 1979-80-81 -- clean and exceptionally good. Attention: Please be advised there is not a great amount of misc. small items, nor a large amount of household (be on time. -Note: Major equipment subject to a reasonable reserve bid; financing will be available to qualified customers. Terms: Cash day of sale - Cheques with |.D. only. Accidents: Neither the owner nor the auctioneer will be responsible for accidents or property loss. H.P.; 1-772 H:P.; Hyd WORK WANTED Classified ads oo ReAbe will id in ° get results McNicoll Shae Also will do housecleaning for BUSINESS you. 534-3802 after 5. 22 OPPORTUNITIES| HELP WANTED HELP WANTED a invest $4,200. earn $24,000-yearly by raising bait worms part time, in your garage, basement or barn. Guaranteed 30,000 buy back con- tract. Muskoka Ecology Systems, Box 2522,. Huntsville, Ont. or phone 789-8281. 22 to 29 AVON eR, DORR-OLIVER CANADA [eas LIMITED Programmer Our firm requires the above individual for the systems and programming department. The incumbent will be responsible for and/ or Manufacturing app Il environment. The successful candid consideration. Please sen for confidential consideration to: Warren T. Howes, Manpower Development Analyst, Dorr-Oliver Canada Limited, 174 West St. S., Orillia, Ont. L3V 6L4 resumes Page 16, Wednesday, March 17, 1982 22 N . developing programs for General Accounting ~ a