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p6 tribune february 1 1995 st public complaints against york regional police officers decreased in 1994 public complaints against york regional police decreased slightly last year according to recently released statistics there were 131 complaints involving 160 st to officers in 1994 in the previous year there were 139 com plaints filed so far 117 complaints have been resolved there were 65 complaints that received for- mal resolution with no action those complaints included physical assault attitude or improper investigation six complaints received for mal resolution in which six offi cers were admonished and one charged under the police ser vices act fourteen cases were not dealt with under the act because the complaints were considered vexatious frivolous or made in bad faith there were 17 com plaints withdrawn and five thirdparty complaints there remains 14 outstanding com plaints fifteen complainants have asked the police complaints commission to review the adju dication decisions by york region police eight of those requests have been denied stouffville united church 34 church st n 6401163 rev wayne reed sunday february 5th 1995 1030 am morning worship sunday school from baby fold to the grade 8 level 4 everyone welcome bloomington gospel church a2- 13660 ninth line south of bloomington rd rev bryan coker 6404364 sunday february 5th 1995 945 am sunday school 1100 am worship service 630 pm evening service all welcome st james presbyterian church rev donald muir 6432 main st stouffviile 6403151 sunday february 5th 1995 945 am sunday school 1100 am morning worship following service presbyterian womens luncheon meeting mon 800 pm wed 930 am bible study in church lounge sat feb 4 830 am youth group ski day springvale baptist church gormley stouffviile rd at kennedy rd pastor rev bob flemming associate pastor rev byron stewart 8875651 sunday february 5th 945 am bible school 11 00 am pastor flemming 600 pm presentation of the coming billy graham crusade in june tuesday 730 pm college careers wednesday 700 pm adult bible study prayer jr sr high kids programs dfor more info call church office 8875651 come worship with us stouffville baptist church a fellowship church 6273 main street senior pastor rev gordon bickle associate pastor andrew mcginn sunday february 5th bible class for all ages 945 am message pastor andrew mcginn communion service wednesday prayer bible study 730 pm friday nights crusaders club 700 to 830 pm ages 915 god is never in a hurry but he is always on time come worship with us wideman mennonite church 10530 hwy 48 north of major mackenzie phone 6406219 pastor lawrence burkholder 2940649 sunday february 5th 945 am sunday school 1045 am morning worship rhoda glick speaking 600 pm lena siegers visited i haiti with christian peacemaker a team 1 everyone welcome the anglican parish of christ church 254 sunset blvd stouffviile the rev robert a shields 6401461 sunday february 5th fifth sunday after epiphany 800 am holy communion i 1000 am baptism choral a eucharist with sunday school r and nursery parkview village 12184 ninth line south stouffviile sunday february 5th 1995 700 pm rev winston thurton markham missionary church the farmers accountant in spite of the prophets of doom who predicted the demise of the family farm the number of farms have increased over the past dec ade in 1986 there were 63253 farmers in ontario and by 1991 that figure had risen to 68633 family farming is here to stay so are the increasing burdens of running a farm from capital in vestment to livestock to crop management balancing the books even with sophisticated computer programs can be com plicated revenue canada allows for two methods of farm accounting accrual and cash the cash method may be preferred by smaller family owned farms be cause income is not recognized until cash is received and taxes may be deferred those operat ing on a cash basis face a far sim pler form of record keeping but nothing is as simple as revenue canada implies for example a changeover from accrual to cash can be made at any time but must be made carefully because once it is made it cannot be reversed without approval for farmers with livestock the question of which method to use is of extreme importance they face a host of complications as a result of the cashaccrual differ ences accrual basis inventory can be valued at either fair market value or cost while cash basis inventory can be valued at any amount up to fair market value cash basis valuation is open to interpretation and allows for a great deal of income manipulation that was probably the reason for the 1988 change that restricted the range of in ventory valuations in loss years i the effect of the restriction was i to limit the artificial creation or increase of fanning losses and to introduce strange new terminol ogy to farming mandatory in ventory adjustments specified animals and fixeddollar or elective methods of transi tional relief these are compli cated phrases which demand money clips complete understanding by the farmer hobbyfarming is a growing industry and those involved face many tax problems if farming is not their chief source of income unlike fulltime farmers their losses are restricted to a maxi mum deduction of 8500 which after many complicated calcula tions can actually represent a loss of 15000 traditionally family farms have been handed down one may elect to give title to a child while still alive with a deferral of tax on capital gains this can be achieved by a rollover if the transfer meets certain conditions and can result in significant tax savings whereas transfer to a child with no rollover can take advantage of the 500000 capi tal gains exemption giving chil dren a higher cost base upon which to calculate their gain if they eventually sell farming offers many attrac tive opportunities for investment tax credits you can take advan tage of every opportunity high yield dollars are there to use if you know how to access them without professional advice you may never find them or you may lose them remember revenue canada is under no obligation to find them for you if you have complicated farm finance questions or are con fused by filing requirements it is prudent to seek informed professional advice before taking action hagerman greenfield pride themselves on their knowl edge of farm accounting and welcome the opportunity to be of assistance call either robert d hagerman ca or jeffrey g greenfield ca for an appoint ment the first consultation is free call today chartered accountants robert d hagerman jeffrey g greenfield 905 4709292 905 4709557 4591 no 7 highway east at kennedy unit 115 unionville ontario l3r 1m6 w town or whitchurchstouffvilie town of whitchurchstouffville 1995 interim tax bills 1st instalment due february 17 1995 2nd instalment due may 19 1995 interim tax bills have now been mailed ratepayers who have not received their bills should make immediate application to the municipal tax department the penalty charged for nonpayment of 1995 taxes is one and onequarter 114 percent imposed on the first day of default and on the first day of each month thereafter failure to receive a tax bill does not eliminate the responsibility for payment of taxes nor the penalty charges for later payment tax payments may be made by mail or in person at the town office and at the following cibc locations stouffviile 6311 main street aurora 15195 yonge street newmarket yonge davis drive bank payments are to be made to a cibc teller only during regular business hours payments will not and cannot be accepted through the instant banking machines i banking fees may apply town office hours mondayto friday 830 am to 430 pm 6401900 8952423 box 419 19 civic avenue stouffviile ont l4a7z6 after hours mail slot east side of building ruth armstrong amct cmtc tax collector public notice residents are advised that garbage stickers for the collection of garbage bagscontainers in excess of the allowable limit in accordance with bylaw 93116 are available for sale at treasury department in the municipal building 19 civic avenue during regular business hours for residents convenience garbage stickers are also available at mis super variety 12275 woodbine avenue gormley 1001 variety 5529 main street stouffville marianns variety 14635 ninth line musselmans lake vandorf general store 14640 woodbine avenue vandorf ballantrae variety 2 felcher boulevard ballantrae the town of whitchurchstouffville wishes to thank the wners of the above establishments for their support and assistance in this partial user pay program mone7 1tiulk vivian baptist church 4733543 on hwy 48 at vivian rd pastor robert okum holding forth the doctrines of grace 945 am sunday school 1100 am morning worship 700 pm evening service everyone is welcome st marks catholic church 345 glad park ave stouffville 6406665 mass schedule saturday 500 pm sunday 900 am and 1100 weekdays mon wed fri 730 pm rrsp smart investors rrsp smarter its smart to invest in an rrsp but choosing the right one can be confusing im an investors group representative ill help you find the rrsp that best fits your needs m call donna painter bus 905 7378966 ext 250 res 905 6493417 to find out more about investors group and ou rrs iss investors il group i building futures since 1 940 own a cottage take steps that you dont outlive your money if you are reaching retirement age you and many other canadians like you are likely asking a common retirement question will i out live my money considering that over twothirds of canadians over the age of 65 earn less than 15000 a year this is a very critical question the question you should be asking yourself is how much will i need to quickly estimate the level of personal investment you will need to secure a comfortable retirement take this simple test 1 calculate how much income you think you will need at retirement experts say most people require about 75 per cent of preretirement income 2 list your anticipated sources of retirement income estimate how much you depend on each source to contribute to your total income add these figures together 3 subtract the second answer from the first this is the gap between goal and reality that you should begin closing today and that is regardless of your age and current income level after you have figured how much money you will need the next step is to launch a successful investment pro gram that will allow you to meet that goal if up until now you havent invested because you are convinced it doesnt pay to put aside as little as 100 or even 50 a month it is time to reevaluate your thinking clearly you need a lesson in the awesome power of compounded interest over time the truth is you can launch a successful retirement program even with the most modest of investments lets say you are 30 years old and you plan to retire at 65 you are willing and able to invest 100 per month for your retirement plan assume a properly diversi fied investment portfolio that earns a modest 10 per cent return compounded monthly with interest and dividends reinvested in 35 years you will amass a whopping nest egg of nearly 400000 although it pays to begin early it is never too late to launch your retirement program virtually anyone with- a steady income can set aside a portion of their earnings for this important task all it takes is disci pline simply stated there are two critical factors in the magic of compounding 1 the average annual rate of return and 2 time remember deferring the decision to save is costly if you put 100000 in a safe place and decided not to touch it until you retire and then only take out equal payments over the next 35 years you would be able to withdraw 238 per month the same 100000 wisely and prop erly invested could easily double or even triple the monthly amount available to you the best part is you dont have to come up with the 100000 all at once but simply invest a little each month every year you delay your decision costs you money in the end and if you own a cottage rental property land stocks mutual funds or other types of capital property you may be affected by the elimination of the 100000 capital gains exemption by filing a special election with your 1994 tax return you can elect to recognize those gains that have occurred and claim an offsetting capital gains exemption so that you are not taxed you do not have to sell your property at hr block we understand this important change come see us for an evaluation of your personal tax situation hr block you can trust hr block 20 freel lane behind go station stouffviile 6422927 65 brock rd uxbrldge 8527409 rrsfs onestop shopping gics bankstrust companies mutual funds self directed rrsps 6424540