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Dine and Dance preparation well underway Gala benefits Biggar’s new long term care facility Anticipation is building for a fun-filled evening of dining, dancing and fund raising as the plans for the Friends of the Lodge Valentine Dine, Dance and Auction are in motion. The evening of Saturday, February 11 will begin with a delicious meal catered by Cando Catering at the Biggar Community Hall, which will be decorated in a beautiful Valentine theme. Then, the musical talents of Touch of Grey will entertain and provide dance music for all tastes. The silent auction will begin when the doors open and continue throughout the evening with random closing times for selected items. The highlight of the evening will be the exciting live auction of several large
items. Ted Burton will lend his auctioneering talents to keep the action going. Many people have joined the Friends of the Lodge group in planning this event, and their efforts are ensuring a lively, action-packed evening of socializing, shopping and raising funds for the furnishings and equipment for the new long term care facility. Tickets are available at de Moissac Jewellers, Biggar Town Office, and The Independent. Deadline to purchase tickets is this Friday, February 3. If you can’t make this exciting event, buy a ticket anyway - it all goes to ensuring the new long term care project has a bright future!
Whole lot of whatzits going on . . . Biggar Central School student Aarron Beeson, right, crunches some questions, looks for some answers. Students across the
district were hard at exams all of last week. (Independent Photo by Kevin Brautigam)
RM of Reford contributes to new long term care facility At the first meeting of council held on November 10, 2011, a resolution was made to contribute $50,000 to the Biggar and District Nursing Home Project (the new long term care facility). We are delighted and would like to thank them for offering support to help with the purchase of furnishings and equipment for the new
long term care facility. It is very generous on their part as they are not designated catchment area and did not have an obligation to provide funds for the new facility. The RM of Reford No. 379 acknowledged that some of their ratepayers access health services in Biggar and responded positively to a presentation to the
council from members of the Friends of the Lodge Committee. Previous councils over the years have recognized the need to fund health, education and other services in their areas. Once again, as responsible ratepayers, the present council has recognized the need to do what is necessary to make sure that the
services continue to be provided to the people of the area. The support of rural municipalities, towns and village, allows for the opportunity to go forward, making sure that the area has up-todate facilities locally to meet the current and future care needs of the people.
Federal and Provincial gov’t partner to bring more doctors and nurses to Saskatchewan
Where the wild things go . . . Very little snowfall this year has meant Argo Bush has been the sole domain of deer, moose, coyote and other critters. Blazing your own trail on a pair of skis, you never know what you’ll find. (Independent Photo by Kevin Brautigam)
The Honourable Leona A g l u k k a q , Fe d e r a l Minister of Health, and the Honourable Don McMorris, Saskatchewan H e a l t h M i n i s t e r, announced funding to help attract, train and retain internationally educated health professionals for the Saskatchewan health workforce. “Our government is focused on working with provinces and territories to improve healthcare,” said Aglukkaq January 20. “Today’s announcement is an example of how we can support the Government of Saskatchewan in their efforts to transform health care here in the province.”
To help the growing number of internationally educated health professionals, Health Canada is funding two projects aimed to meet the need for health care workers in Saskatchewan. “We want to do everything we can to attract health care professionals to Saskatchewan and keep them once they’re here,” McMorris said. “These projects will help internationally educated health professionals overcome barriers that might otherwise prevent them from working in careers appropriate to their skills and training.” Led by the Saskatoon
Health Region, the first project will promote the retention of current and potential future employees by offering the tools and support necessary - such as career planning, skills upgrading and language training - to bridge them into their trained profession. The five-year project is expected to assist more than 200 employees of Saskatchewan’s health regions. The College of Medicine at the University of Saskatchewan will head the second project which will evaluate a Saskatchewan-based pilot assessment process for
international medical graduates (IMGs) who wish to practise medicine in Saskatchewan. A key change in the process involves removing the barriers that previously existed based on IMGs’ country of training. Once the new assessment has been evaluated, IMGs from an expanded list of countries will be assessed as long as they meet prescreening criteria. The announcement affirms the Government of Canada’s commitment to facilitate the integration of internationally educated health professionals into the Canadian health workforce.
2 - THE INDEPENDENT, BIGGAR, SK
MONDAY, JANUARY 30, 2012
Wendy Weseen: Obsolete Spaces at Museum Focussing on women and history, a unique exhibit has hit the floors of the Biggar Museum and Gallery. Wendy Weseen’s Obsolete Spaces reflects those interests. Her background and
development as an artist has been enriched by her pursuits in nursing and social work. She has degrees in both fields, as well as a BFA. In this exhibition, Weseen
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explores the abandonment and decay of homes and buildings in rural Saskatchewan by transforming the gallery into a quiet and contemplative space. “I want to bring to the viewer my sense of these spaces as they were when I confronted them, my impression of what is concealed and revealed and my effort to recreate their time and place,” described Weseen. The obsolete spaces that Weseen focuses on in this exhibition are the second stage of housing built by European settlers. These houses were designed for function and became ruins when they were eventually abandoned. Weseen uses photographic elements and three dimensional collage pieces to capture the essence of this abandonment process, a process that took several years to compile. A unique curatorial feature that exists with this proposal is the ability for each venue to borrow items from their local museum (ideally from the ‘30’s) to compliment the exhibition. Obsolete Spaces comments on a particular period of our history making us reflect on our past - memories of grandparents, different
cultural lifestyles and the effects of change. At the same time, the exhibition’s strong visual components
have something to say about the history of art making and the purpose of art in general.
Obsolete Spaces runs at the Biggar Museum and Gallery’s Credit Union Gallery until February 22.
Wendy Weseen, Fragmentary Blues II, Mixed media: Found box materials, photograph, dress pattern, 2005. (Submitted Photo)
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THE INDEPENDENT, BIGGAR, SK - 3
MONDAY, JANUARY 30, 2012
Heartland Health Region awards tender for Rosetown Long Term Care facility replacement the TCU Place addition and renovation. The Rosetown Advisory Committee has worked hard to move the project forward through the various approval stages in partnership with the Ministry of Health. Construction was targeted to begin in late fall but some delays have occurred while the committee worked through design and funding issues to get the best value for the available funding and to ensure that a safe, home-like atmosphere for our residents won’t be compromised. Construction is expected to begin in the near future. Quorex plans to move equipment to the site early to mid-February. The building design calls for 54 Long Term Care beds. The cost is $24.5 million including furniture. The funding
Heartland Health Region has received approval to award the tender for the construction of the Rosetown Long Term Care (LTC) replacement project to Quorex Construction. “We are very pleased to be selected as the general contractor for this project and look forward to the partnership with Heartland Health Region in delivering this very exciting and much needed facility,” said Mike Chyzowski, President of Quorex Construction. “We have worked previously in Rosetown with the construction of the new Co-op Food Store and we once again look forward to working within the community.” Quorex Construction has a multi-disciplined team of professionals that have been in the construction and development business for more than 30 years. Some of their health care related projects include the Les and Irene Dube Centre for Mental Health, Fort Qu’Appelle All Nations Healing Hospital, MRI installations at RUH and St. Paul’s Hospital, Prince Albert Victoria Square Professional Health Centre as well as the delivery of over 300 rooms of assisted living facilities. Some of their most recent projects include the 25 million dollar addition and renovation to the Place Riel Students Centre at the University of Saskatchewan, Meadow Lake Court House, the new Saskatoon RONA an
Saskatchewan songstress and Regina’s ‘Best Singer’ and ‘Best Solo Act’, Belle Plaine, will be at the Majestic Theatre this Friday for the fifth concert in the Biggar Arts Council’s performance season. Belle recently released her first full-length album Notes From A Waitress January 29. Her own brand of jazz fusion unites swing with vintage country and feminine pop. Belle will tour Saskatchewan and Alberta in January and February with her band: Elizabeth Curry on standup bass and Jeremy Sauer on piano.
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(Independent Photo by Kevin Brautigam)
for a sod turning at the site on October 3, 2011. The announcement of this important next step is great news for the community of Rosetown and the surrounding area.
Sask. songstress and ‘Best Singer’ Belle Plaine at Majestic Theatre Friday
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“If Patsy Cline and Blossom Dearie had a love child she would sing like Belle Plaine,” exclaimed Kelley Jo Burke, host of CBC’s SoundXchange. “Belle’s voice is old-timey and jazzy. It has twang, crystal bells and swing. You listen to this voice, and all of a sudden your cheatin’ heart has a very dry martini in hand, and you’re hearing something both timeless and brand new.” Belle is an acoustic guitar-playing, storytelling vocalist who Grant Lawrence declared his “musical discovery” at the 2010 Regina Folk Festival. Audiences will hear three-part harmonies and experience a set list that includes Belle’s original m u s i c, s e n s u a l j a z z standards such as Fever and Bye Bye Blackbird, in addition to country classics such as Mamas Don’t Let Your Babies Grow Up To Be Cowboys. Belle grew up on a farm near the village of Fosston, population 57. Though raised on AM country radio, she was always drawn to Motown and the unforgettable voice of Ella Fitzgerald. Belle studied jazz at Edmonton’s Grant
MacEwan University. Adventure soon drew her to Victoria and then love pulled her Australia. Music brought her home to Canada where she has since performed over 100 shows. The title track and theme for Belle’s first fulllength album Notes From A Waitress blossomed from one of Belle’s more memorable jobs in Sydney, Australia. She was making a living as a waitress in a dodgy restaurant, complete with cockroaches, overly friendly cooks and the nocturnal visits of rodents. What else would a songwriter need for inspiration? “I wanted the songs to read as a travelogue from the other side of the world and back,” Belle describes of the album. “They’re like souvenirs from each journey. It’s my throwback to the vocal jazz of the 1960s. Think of Peggy Lee and Julie London. I created Notes From A Waitress in the spirit of these artists.” Belle Plaine plays the Majestic Theatre this Friday, February 3. Show time is at 7:30 p.m. Tickets are still available from de Moissac Jewellers.
third page
Council Minute highlights The regular meeting of Biggar Town Council was held January 3, at 7:15 p.m. in the Council Chambers. Attending the meeting were Mayor Ray Sadler, Aldermen Ron Arnold, Jim Besse, Don Cleaveley, and Kirk Sherbino. Council resolved that the following appointments be made for the year 2012: Treasurer, Returning Office, License Inspector - Barb Barteski. Assessor - Doug Arthur. E.M.O. Co-ordinator - Erin Poitras. Deputy E.M.O. Co-ordinator - Jim Besse.Fire Chief - Gerald Besse. Deputy Fire Chief - Kelly Dorosh. Secretary Board of Revision -
Barb Barteski. Development Appeals Board - Jim Going, Ross Holt, Blair Slowski (term: 2012 to 2013). Board of Revision - Marguerite Wapple, Jim Goring, Blair Slowski, Ron Dobchuk, Ross Holt. Saskatchewan West Central Tourism Erin Poitras. Wheatland Regional Centre Inc. - Ron Arnold. Predator Control Officers - Gerald Besse, Bob Campbell. Municipal Inspectors - Richard Olson, Doug Arthur, Barb Barteski. West Central Municipal Government Committee Ray Sadler. • Meeting adjourned at 8:25 p.m.
This Week . . . Opinions ............................................................ 4 Agriculture ...................................................... 8 Classifieds ............................................... 11 - 12 Business & Professional Directory...........13 - 14
MONDAY, JANUARY 30, 2012
4 - THE INDEPENDENT, BIGGAR, SK
Opinions Where is Biggar’s strategic plan? This past week the City of Saskatoon unveiled its strategic plan for, not only future growth, but community development. Just think, a strategic plan. This process involved city council, office administration and the input of the taxpayers of the city through a series of public forum meetings. It took into account the wishes and needs of the residents and their vision of the future of their community. The very meaning of the word suggests positive action. Strategic -- relating to the identification of long-term or overall aims and interests and the means of achieving them. Just think: the development of a plan to grow a community, taking into account the needs and wishes of the prime stakeholders and then actually having a plan to implement it. How progressive and forward thinking. So, here are a few things for you to ponder: When was the last time Biggar Town Council held a public forum to ask the taxpayers their thoughts on town growth? What is the vision of Town Council regarding future growth -- not only for the business community but recreation services, health services, senior services and so on. Where is their strategic plan? It is a statistic that when a large centre grows towns within a 100 km radius will also experience growth. That means Biggar will grow in the next few years. The question is how? Will it be a planned growth with the proper infrastructure in place? Will the town have enough serviced lots for both business and residential or will there be a shortfall? Will the growth be a well thought out and proactive plan or will it be a hodgepodge of “we’ll cross that bridge when we come to it” mentality? The future is up to the residents who are the taxpayers. If you care, you need to ask the members of town council where they stand on the issues and what their plan is. Maybe they don’t even want the town to grow. You need to know that as well. There is an opportunity on the horizon. It is up to us whether we choose to take advantage of it or not. P.H.
LETTERS TO THE EDITOR are welcome. They MUST be signed, approximately 300 words in length and are subject to editing.
Feds offer health ministers opportunity to enact real reform by Mark Rovere, Associate Director - Health Policy Studies The Fraser Institute As the premiers meet this week in Victoria, a number of provinces are clearly distressed about the federal government’s plan to reduce the automatic annual increase in health transfers from the current six per cent to the rate of economic growth starting in 201718. While the announcement has not been applauded by most premiers and their respective health ministers, it is long overdue. The reason is quite simple: after decades of chatter, including millions of wasted tax dollars on government ‘commissions,’ this new funding arrangement is the only way provinces will be encouraged to introduce meaningful and sustainable health care reforms. 2004 health accord failed The 10-year health accord introduced by
Prime Minister Paul Martin in 2004 was intended to improve timely access to high quality medical care across the provinces while making government health care more sustainable. Yet, as the health accord is set to expire in 2014 - and billions of dollars later significant reductions in wait times have not been achieved. Around 4.4 million Canadians or 15 per cent of the population aged 12 and older do not have a regular family doctor. At the same time, government health expenditures take up an increasing share of provincial revenues across Canada, already accounting for half of total government revenues (including federal transfers) in both Ontario and Quebec. Clearly, the 2004 health accord did nothing to improve access to medical services or help governments attain a sustainable level of health spending. In fact, the health accord may have worsened the health care landscape
in Canada as it failed to create any incentives for provinces to introduce meaningful reforms. Instead, they simply relied on the feds to bail them out with more cash. With any luck, the era of conditional health care funding and restrictive health care reform is over. Notably, if any criticism can be made of Ottawa’s decision to tie transfers to the rate of economic growth - five years from now - it’s that Ottawa’s glacial pace to fiscal reform might well be matched by provincial lethargy on health care reform. While some financial assistance from the federal government might be required, generally speaking, the provinces should find their own ways of delivering and financing medical services, exactly what Ottawa proposes. Importantly, this does not mean that health care in Canada will no longer be universal, or that the ability to access high quality care will
depend on what coast you live on, or your family’s ability to pay. What it does mean is that the provinces will have to innovate and figure out alternative ways of financing medical services. This might require political will from our politicians; it might require political courage to step outside of their comfort zone and look to other jurisdictions that achieve universal access to health care by incorporating alternative financing methods. But most of all, it does not mean moving towards an Americanstyle health care system. There are numerous European countries that achieve universal health care by incorporating a competitive private sector for financing medically necessary services. Critically, provinces are almost out of time. Provincial governments cannot afford to wait until health care spending takes up 100 per cent of revenues, especially in provinces like Ontario
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which currently faces a $16 billion deficit. Raising taxes and/ or cutting medical services are not viable solutions and are harmful to taxpayers and patients alike. This is why the provinces should be thankful for the opportunity to experiment with alternative financing schemes. This announcement from the federal government was inevitable. It was always naïve to assume that Canada could continue to finance health care through a single-payer monopoly indefinitely.We are the only country in the developed world that effectively prohibits its citizens from purchasing private health insurance for medically necessary services; we are one of the few that does not require patient cost sharing in the form of copayments or user fees at the point of service. Provinces should stop wasting time and get to work The federal government
maintains that it supports a universal health care system. That is positive. However, that does not require a government health insurance monopoly. Ottawa should allow the provinces to experiment with alternative financing models commonly practised throughout the developed world. The feds should make it explicit that they will not impose financial penalties on provinces that experiment with user fees and extra billing or voluntary private insurance options. Allowing the provinces to experiment with private financing models is long overdue. Instead of bemoaning and fighting the new funding arrangement, provincial governments should stop wasting time and playing politics, and start experimenting with European-style health care options for patients. Mark Rovere is Associate Director of Health Policy Studies at the Fraser Institute and can be reached at mark.rovere@ fraserinstitute.org
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COPYRIGHT The contents of The Independent are protected by copyright. Reproduction of any material herein may be made only with the written permission of the publisher. LETTERS TO THE EDITOR The Biggar Independent invites the public to participate in its letters to the Editor section. All letters must be signed. We acknowledge the financial support of the Government of Canada, through the Canada Periodical Fund (CPF) for our publishing activities.
MONDAY, JANUARY 30, 2012
THE INDEPENDENT, BIGGAR, SK - 5
Sask Party undermines patients’ privacy: NDP A friend of mine, that I had known for some time, came up one day with an old guitar. I don’t know where he got it, I don’t know how long he’d had it, but he knew about two chords on it. He proceeded to teach them to me, and then we proceeded to go crazy over music. Charlie Daniels
The musician at a recent local concert was an accomplished guitarist who captivated the audience. Maybe he wasn’t a Charlie Daniels but he could pluck the strings better than I could ever hope and the show was a big hit. Part of his commentary included some information about guitars and how they are made. A luthier is someone who makes or repairs stringed instruments, not just guitars but also violins and cellos and others. There is a certain skill or craft involved in the making of these instruments, a certain talent you might say. Luthier comes from the French word, luth which means lute. The craft is divided into two main categories -- stringed instruments which are plucked or strummed and instruments that are bowed. In the case
of bowed instruments there is the added involvement of a bow maker or archetier. Probably one of the most renowned luthiers would be the Amati family. Andrea and his son Antonio and Girolamo (Hieronymus) and later his son Nicolo produced many violins during their careers. In the Americas Orville Gibson started by making mandolins and ended up creating what is known as the archtop guitar. For those who watch Pawn Stars you may remember the fellow who walked into the store with a Gibson guitar. It actually was quite valuable. One would think luthiers exist only in larger centres but that is not true. There are quite a few that set up shop and practise their trade right here on the Prairies. One fellow resides in a small village called Tugaske in Saskatchewan. There are not many guitarists in the village but that doesn’t matter as he says his clientele are global and with the Internet distance is not a problem. Manitoba is home to quite a selection of luthiers -- La Riviere, Selkirk, Winnipeg Beach among others.
I’m not sure how one chooses the profession but many of them have been performers and teachers. One of them started by building a dulcimer and then went on to make customized instruments. All of them take courses or apprentice with an established luthier. Many of them have received awards of recognition from their peers. But those who buy the instruments and make the music are the ones who most appreciate the craft. After all, they are the ones who enjoy making music and performing for an audience. Rod Stewart once said, “What I do now is all my dad’s fault, because he bought me a guitar as a boy, for no apparent reason.” It’s something that can develop into a lifelong passion or even a way to make a living all because a luthier decided to make a guitar.
Deadline for Classifieds Wednesdays at 5:00
The NDP is calling on the Sask Party government to immediately put a stop to the Grateful Patient Direct Mail program announced for the Saskatoon Health Region. The program will use personal information to contact recent hospital patients to solicit donations for health care. “It’s not appropriate to automatically contact the households of all hospital patients to solicit donations,” said NDP health critic Cam Broten Wednesday. “Instead of the health region just assuming patients’ consent, patients should have the right to choose if they want their households contacted.” Broten noted that
Saskatchewan Privacy Commissioner Gary Dickson has expressed the same concern. In a 2010 report, Dickson said any such program should allow patients to opt-in, rather than requiring them to optout. “This is about respecting
and protecting patients,” said Broten. “For the health region to send out official letters to every recent patient asking for money is not only unbecoming but it could breach the privacy of some patients and leave others feeling obligated to donate.”
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Houses for Sale - MLS 106-8th Ave. E., Biggar............................................$255,000 508-4th Ave. W., Biggar..........................................$194,900 106-5th Ave. W., Biggar..........................................$189,000 108-5th Ave. W., Biggar .........................................$165,000 304-3rd Ave. W., Elrose..........................................$154.900 310-7th Ave. E., Biggar...........................................$150,000 401-2nd Ave. E., Biggar..........................................$ 51,900
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Land for Sale - MLS + Exclusive Sinclair Acreage, RM of Biggar............................... $229,000 LaFayette farm & residence, RM Pleasant Valley $220,000 Emke land, RM Glenside........................................$ 98,000 Evans land, RM Grandview....................................$ 69,000 Kushner land, RM Eagle Creek............................. $ 59,000 Correction Line Road Acreage, RM of Biggar....... $ 49,000 Tower Road Acreage #1, RM of Biggar................ $ 29,000 Tower Road Acreage #2, RM of Biggar................ $ 29,000
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6 - THE INDEPENDENT, BIGGAR, SK
MONDAY, JANUARY 30, 2012
Forgetting by Bob Mason In the 1930’s one of the local storekeepers had a hard time remembering the names of some of his European customers - some of those central European names are sure difficult to pronounce! So, in order to cover up for his forgetfulness, he often asked the people how to spell them! One day a fellow came in and bought $10 worth of groceries ($10 in the 1930’s was the same as $200 now!), and although the storekeeper thought that the fellow looked familiar, as he made out the receipt he asked, “How do you spell that name again?” “S-M-I-T-H”, sez Tommy Smith, as he gathered up his buy! Forgetting people’s names is probably some kind of a habit, I dunno, and then again, to many of us, some kind of a mental thing, again, I dunno! But to Yours Truly, at least lately it has become a kind of style. Especially with older folks. Mebbe
the benefits of the new “Remembering” approach called “association” is an improvement - I don’t know that either! Boy is YT pretty dumb, eh? Some of our relations tried that one once and it did work pretty well - up to a point! One of their neighbour’s names was “Summach”, so they immediately associated it with “Stomach”, and took off for the coast. When they came back in the spring and met him on the street, they right away associated his name with “Belly” and called him “Mr. Kelly” (Fred sure had a good laugh about that!)
It’s Time! 5:00 p.m every Wednesday place your classified ad in the Biggar Independent, 102-3rd Ave. W. Biggar,
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For years, one of my fellow workers at Cominco, had a name YT somehow couldn’t remember, so I tried that association process and it did work, until one day I couldn’t remember what the association was! For all his finicky, quirky affiliations with proper names, it has always seemed strange to YT that so many people have monikers such as “Hey you!” “Dumb old Bugger!”, “Mac” and even “Bud”! In our platoon in the army (I forget his name!) was a fellow whom everyone called “Shorty”. I know that he wasn’t called that for nothing, because YT often shared a three-foot slit-trench with him! YT isn’t much of religious type, but when paired with Shorty I always spent a lot of time on my knees! Mebbe Yours Truly shouldn’t take all the blame for being forgetful, eh? It must happen to all of us as we get (ugh!) old! That birthday card I got from Jim Brown sez: “One knows they are getting old when TV shows seem a lot more suggestive of things, yet you can’t remember what those things are!” (I can’t remember what the other 49 “you know when you are getting old” reasons are!) I don’t know about that “getting old” bit! A young fellow (30 plus)
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forgot to bring me home and left me in Saskatoon one time. He never remembered until he met me on the street later! NOt much of a compliment about YT’s importance, eh?) And as far as young people forgetting goes, alot of the boys on construction crews didn’t remember to bring their pocketbooks when we ordered another round at the local bars! We’ve gotten along okay so far though! Now let me see . . . oh yeah, I’ve got to scribble a couple more pages about this “Forgetting Syndrome” before we send them in to Ke . . . Ke . . . what’s his name at the Biggar (what’s its name?) paper! There are a few things that a fellow never forgets though. Things like their name, or Regimental Number. In an Alice in Wonderland way I can imagine it all now (well I can dream can’t I?): Army Paymaster (Sternly): “Number L105485 Private Mason RG!” Private Mason RG (Smartly): “Sir!” Army Paymaster (still part of dream): “Why do you remember that number Pte. Mason?” Private Mason (Smart Alec Kid): “Because it is right after L105484 Sir!” The Army Paymaster then makes a statement that no army paymaster has ever made before: “Good for you Pte. Mason. You are sure good with figures. Do you want to trade jobs with me?” (End of wonderland dream!) Reality comes all too soon: “Don’t forget to salute!” Well, it had the makings of a good dream, eh?
Actually “forgetting” is going out of style anymore, as far as that goes. And even remembering is on its way out too! With the “Flick of a finger” gadgets available now, we don’t need either of them anymore! YT was telling some young people a while back about that hot day in 1937 when the heat gauge at Yellowgrass, Sask. registered 44˚! One of the young people hauled out a handheld thing, gazed at it for a moment and then corrected me by pointing out that the temperature in Yellowgrass that day 45˚ or 113 Fahrenheit! The Lonesome Trail ain’t lonesome anymore, eh? It seems to me that whereas in the past a faulty memory was a kind of an expected ailment, (known as BS), now it is a sort of “Entertainment Privilege”, only used by people wanting to be voted “into” something! After all, who wants to trust a personal memory against the faultless facts of a Blackberry? Mebbe one of its plus sides is going to be that it does away with all that “Hubris” though (we can thank Lloyd Robertson for that one!) YT was rummaging through a lot of papers the other day, when he found an old school scribbler that had been discarded years ago, and until he recognized his own writing he had completely forgotten that he had written some of the verses in it! Mebbe he is just getting old, but if this column is as dull reading as that old notebook was, The Independent folks should have fired me long ago.
One of the things that has bothered me during the last few years is my failure to remember and show up in the Old Home Town during fair time! YT approached a person from Radisson whom he knew: “When are they going to hold the Radisson Fair?” he asked. “Oh”, replies the guy. “They had their fair last week!” Feeling that he is a fairly smart operator,YT asks again: “When do they usually have it?” About August the 25th, he finds out. So guess who takes August 25 off from his work and drives 40 miles up to Radisson - and an empty fair ground, eh? Not to worry though. For all his forgetfulness YT had finally found a way to remember everything, without a computer! On the shelf in front of me is a ring binder marked “Index of Indexes”. Those indexes show where all The Independent article are, what was planted where, in what garden last year, where we can find all our business records, where to find our hundreds of books and what our many abbreviations meant (like YT = Yours Truly, LC = Local citizen, BS = . . . I forget what it means, and, oh yes: What date the Radisson Fair is going to be next year . . . They tell me that after he’s been around for a lot of moons a fellow is apt to forget even how those indexes work, And then we are going to be back at square one again! Now let me see, “You know you are getting old ...“ Darn it I can’t remember the punchline!
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MONDAY, JANUARY 30, 2012
THE INDEPENDENT, BIGGAR, SK - 7
New Horizons Activities the door. Lunch was provided by Barb Beirnes, Florence Hammond and Rita Besse. Wednesday night Kaiser on Jan. 18 had eight players with Ray Silbernagle coming in first place, Mike Plysiuk in second place, Ken Pearce in third place & Joyce Colbert in fourth place. Shuffleboard was played downstairs on Jan. 19 with seven people in attendance. First place went to Pat Turner, second place to Rita MacKinnon and third place to Barb Swyryda. The host for the afternoon was Ed Smith with Mildred Henne providing the lunch. Kaiser was played on Jan. 20 with 16 in attendance. Maxine Sully was the host for the afternoon and also provided the
lunch. At the end of play Wayne McLean came in first place, second place to Ron Arnold, and third place to Reg Turner. The regular Monday afternoon Kaiser club played on Jan. 23 with five tables in action. First place to Joanne Kral, second place to Geoff Cooke, third place to Ken Pearce, fourth place to Rita MacKinnon. The highest scoring game was Ken Pearce and Joanne Kral. Carpet bowling was played in the hall on Jan. 24 with Pat Turner, Florence Johnson and Aileen Smith coming in first place. Second place went to Florence Hammond, Dinah Kegler, Mildred Henne and Barb Swyryda. Enjoy the warm weather!
Landis Locals Helen Buxton 658-2115 There are quite a few folks from around here who were lucky enough to have booked holidays in warmer places during our cold spell. Will they enjoy it more when they hear of how frigid the temperatures were? Our community was saddened to hear of the passing of a long-time community member, Ann Suter. Ann and her husband Walter farmed in the Needwood district, raised a big family, and took an active part in community life. Deepest condolences to her sons and daughters and all the Suter and Rohs families. Lynn and Joe Sarrasin are home after spending a few weeks in British Columbia with Brandy and her family. Welcome
back. Congratulations to Amy and Steven Suter on the birth of a son, Lane Patrick Louis, on January 9. He has three older sisters to help Mom take care of him. Mary, Rick and Steve Lehnert enjoyed a few days in Prince Albert, where the boys went ice fishing. Landis Mixed Bonspiel ran on January 12 -14, Bernie Garrett and her team took first place. The Travis Kolensky foursome took the second event, and the Myron Schell rink took third. Lavern Skog, Leonard Humble and Dianne took in the Walter Ostenek show at the Dunes, and give rave reviews. Dianne and Leonard enjoyed it
so much, they went to Kindersley to hear him play there. A number of Landis people also went to polka in Kindersley. The Moose Jaw spa and casino in Moose Jaw is the big attraction this week for Leo and Marie Schwebius, Claire Miller, Vera Halter, Marie Scott and Agnes Small, and also Ken and Lois Leinenweber.
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by Don Sizer Good news first, isn’t it great weather again? Who wants to go on a giant cruise ship when it is so much better here . There is certainly some bad news there isn’t there. I still find it hard to understand why that ship ran aground? I can certainly see why at least one person died of a heart attack. A terrible tragedy but could have been much worse. What I really want to mention has to do with the proposed new Diamond Lodge. Yes, I believe it is needed but my concern is can we afford it at the price I am hearing? And I’m also wondering what is to happen to the old one? I can’t believe this building hasn’t got a lot of life yet. My real question is, Why are we having to rely on rumours et cetera. When a project of this importance is kept so secret. This sort of thing goes on continually and seems to be getting worse. It is partly our fault because not enough questions are asked until it’s too late, then when it’s a done deal we complain about not knowing what was happening. Awhile back we were canvased
and asked for a commitment to furnish the proposed new lodge. This is a bit like putting the cart ahead of the horse I think. As I understand the new building may be four years away. My com-
ment here is don’t worry about the furniture yet as I’m confident if the project goes ahead there most certainly will be money for that. What do you think?
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section for more photos and videos at
biggarindependent.ca Biggar Skating Club is hosting the
Region 10 Wild Goose Skating Competition
Saturday, February 4 9:00 a.m. - 6:00 p.m. at Biggar Jubilee Stadium
Come out and cheer on our local skaters! • Enjoy Trade & Craft Show upstairs
$10
$10
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(some exceptions apply, check in store for details)
Weather has once again changed with a rain shower during the night to make driving slippery and walking even worse. Courtesy car drivers for the past week were Don Swyryda, Wes Barnaby, Wayne McLean, Jim Hoult and Pat Turner. The office volunteers were Pat Turner, Marj Mackie, Tillie Zimmer and Billie McNaught. We applaud the volunteer work these individuals offer to the New Horizons. The monthly Jam Session was held on January 18 with 37 people who ventured out in the cold cold weather to enjoy the music. The entertainers for the afternoon were Mark Kleiner, Don and Marlene Sinclair, Bernard Ochs, Gary Donahue and Gord Besse. Chris Ogrodnick greeted the guests at
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Annual Meeting Greater Saskatoon Catholic Schools will hold its Annual Meeting of Electors on Monday, February 6, 2012 at 7 p.m. at St. Edward Elementary School, 1002 Avenue P North, Saskatoon, Sask.
NOW IN STOCK.
Board Chair Diane Boyko, Director of Education Bev Hanson and Superintendent Donald Lloyd will each report to the Greater Saskatoon Catholic Schools community. Electors are also welcome to make presentations at the meeting. Those wishing to do so must contact the Secretary to the Board of Education at 659-7090 before Friday, February 3. Parents and community members are encouraged to attend the meeting to learn more about the exciting initiatives under way at Greater Saskatoon Catholic Schools. For more information please contact 659-7090.
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216 Main St., Biggar • 948-4855 Hours:Tuesday - Saturday • 9 - 5:30
MONDAY, JANUARY 30, 2012
8 - THE INDEPENDENT, BIGGAR, SK
Agriculture What is the cost of recycling for the farm? by Calvin Daniels The business of garbage, and the idea of protecting the environment is becoming an interesting one. The idea of recycling is becoming a major public desire. People feel good about recycling, having the impression at least it is their small, direct, contribution to aiding old Mother Earth. The idea of recycling is even becoming entrenched in the area of farming. Recently the Government of Saskatchewan announced it was partnering with CleanFARMS to develop a way to manage on-farm plastic waste, such as bale wrap and grain bags. The idea is to reduce the environmental footprint of farming in the province, and of course win some points since anything tied to reducing waste is seen as a positive by most people these days. Tagging the term ‘environmentally positive’ to anything is good politics. We see that in the world of retail where the sale of reusable cloth bags and similar efforts garner a lot
of positive advertising. “We know that farmers are more than willing to participate in stewardship programs where they exist; they want to do the right thing. CleanFARMS currently operates a national empty pesticide container recycling program and an obsolete pesticide collection program, both of which have very high participation rates,” said Barry Friesen, general manager of CleanFARMS in a release. The government of course sees it as a good step. “We are pleased to see industry, government and the broader stakeholder community work together to develop a recycling program for farmers,” said Saskatchewan Environment Minister Dustin Duncan in the same release. According to the release CleanFARMS recently did a study of the agricultural waste stewardship programs in the province. The research revealed that the most successful programs had government legislation
mandating participation such as those to manage used oil, oil filters and their containers, tires, paint and electronics. The Government of Saskatchewan has tasked CleanFARMS with bringing together stakeholders to develop the framework for a program to recycle agricultural plastics such as bale wrap, twine and grain bags. If you read between the lines, expect environmental fees to some farm products moving forward, and mandated recycling. The question that needs to be answered is exactly what the environmental footprint of recycling is? A farmer at Hyas, Saskatchewan has a pile
of plastic from bale twine and grain bags. What does it cost in fuel, tire wear, road maintenance, and similar costs to get that plastic from the farm to someplace which can actually recycle it into something useable? It may appear the ‘right’ thing to do to recycle, but the collection system from farmers spread across the entire province to a central location for reuse is a system that is automatically a costly one, and that assumes a user for the products in the province. As has been the situation with cardboard in the past the user is not local. At times it has meant the cardboard has to get as far as China to be utilized. Does taking cardboard
it because we deem recycling automatically a good thing. In the release Friesen stated, “Saskatchewan is an
innovative province that is well positioned to become a leader in agricultural plastics recycling. In many cases, the technology is already in place. Bridon Corage, a highly successful twine manufacturer with a plant in the province, is currently making new twine out of used twine.” For anything designed to recycle farm plastics to make sense it has to have an end user in the province. And, any plan should have some cost analysis associated with it. Recycling must be good for the overall environment, not something we do just because we assume it’s a good thing.
Canadian Wheat Board Bulletin (Dated January 23) At a glance The CWB released its latest Pool Return Outlook (PRO) for the 2011-12 crop year on January 26. Sign-up will be terminated Jan. 30 for the 80 per cent Early Payment Value (EPV)
la o n a C a r e x e N ™
under the CWB’s Early Payment Option for Nos. 1 and 2 Canada Western Red Spring wheat and Canada Western Hard White Spring wheat, and for Nos. 1 and 2 durum. Sign-up will also be terminated Jan. 30 for the 80 and 90 per cent EPVs for selected barley. Sign-up will remain open for the 90 or 100 per cent EPVs for Nos. 1 and 2 CWRS and CWHWS and Nos. 1 and 2 durum, and for the 100 per cent EPV for selected barley. More information is available at cwb.ca/ppo. Farmers were invited to drop by the CWB’s
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from Hyas to China to recycle it make sense? Probably not if you started to put the actual costs to the equation rather than just doing
1-877-948-4880 OfÀce Hours: Monday - Friday 9 a.m. - 12 p.m. and 1 - 5 p.m. Phone: 306-948-4880 106 - 3rd Ave. West, Biggar Fax: 306-948-4882 e-mail: randyweekes.mla@accesscomm.ca
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booth during FarmTech at Edmonton’s Northlands Expo Centre, Jan. 24 to 26. The booth was staffed by friendly and knowledgeable CWB Farm Business Representatives who helped producers with information about contracts, programs and deliveries. Business hours for the CWB’s Farm Business Team are changing, starting on Monday, Feb. 6. The team, which manages phone calls and e-mail inquiries from Prairie producers, will be available from to 9 a.m. to 5 p.m. CT (current hours are 8:30 a.m. to 5:30 p.m.) This change is being made to better align business hours and resources to farmer calling patterns, allowing the CWB to serve farmers most effectively during the times they most need assistance. To contact the Farm Business Team, call 1-800-275-4292 or e-mail farmerservice@cwb.ca. Doug Faller, policy manager for the Agricultural Producers Association of Saskatchewan, discussed contracting crops on the next “Market Prospects” program on CTV Saskatchewan’s Farmgate, Jan. 28. The program is coordinated by the University of Saskatchewan’s Department of Bioresource Policy, Business and Economics. The CWB is one of the
program’s sponsors. For more information, contact James Lokken at (306) 966-4033 or james. lokken@usask.ca. The CWB will offer a 2011-12 Series B delivery contract for non-durum wheat. The sign-up deadline is March 15, 2012, six weeks later than previous years’ deadlines, aligning with deadlines for farmers to sign up for 2011-12 Fixed Price, Basis Price and FlexPro contracts. This decision reflects the fact that the overall sales pace for the 2011-12 CWB wheat program has been positive, with good opportunities expected for milling wheat sales through the remainder of the marketing program for the year. A Series B contract will not be offered for durum at this time. More information can be found at cwb.ca/contracts. The CWB’s New-pool pricing option for wheat and durum will not be available this year. The program had enabled farmers and interested parties, for a fee, the option to deliver wheat and durum in the current crop year and receive the following year’s pool return. Detailed information on new CWB programs will be announced throughout 2012. Farmers can receive announcements on new CWB programs for 201213 by registering for updates at cwb.ca/email.
MONDAY, JANUARY 30, 2012
THE INDEPENDENT, BIGGAR, SK - 9
The sun is shining, and the frustrated snow bound gardener feels the need to plant something. With very little equipment (and cash outlay) one can grow indoor salad greens, using recycled containers, good soil and seeds. (Photos from
by Delta Fay Cruickshank, of The Independent Typical of this winter of crazy weather, this week, as I write this, it is warming up to spring-like conditions, a complete change to last week’s frigidity. All this sunshine and the increased warmth has me thinking about fresh herbs and lettuces, that I have grown myself. I don’t have a greenhouse, but I do have a bright sunny east window. I do know that early Febru-
ary is still a little early for starting seeds in the house. If I can’t get the delicate plants outside until the middle of June; way too long for plants to be in a little bit of soil. But now is the time to start thinking about starting plants and gathering the things I need to get started. I could go out and buy all new starter kits, and yet I am too cheap for that, so I chose to recycle something else . . . they say that the gardener is the most resourceful of people! I will use the ‘clamshell’ containers that my organic lettuce leaves come in all winter long. They
are see-through, they are light, and if I keep the lids, I can create a wee little greenhouse for my baby plants - ideal in fact! From browsing the Web site of the company that sells these organic lettuce mixtures, I discovered another use for the lid, and will explain that later. So, I will start with a washed and dried recycled clamshell container, I think I will use the bigger ones, but I could still use the smaller ones, just use more of them. Very carefully, holes have to be made in the bottom of the container, so that water will not lay there and rot my seeds. Using a pocket knife, crosses will be made in the bottom. Here’s a tip, place the container over a cup, where you want to make the incision. Make at least two drainage holes. Next, it is time to add the soil, nice potting soil, and firm it down. I will have to thaw mine out, it’s in the garage, but I could buy new stuff too. Make sure it has a loose and peaty texture, and is good for starting plants. Then, make three furrows (in the large container) lengthwise in the soil, and carefully shake in the seeds; lettuce blends or herbs will be what I will be planting, but why not try peas, beans, corn,
ebfarm.com/planet/growsomething-green)
anything, just wait for awhile! Cover the seed with extra soil, if you are planting the greens, just a sprinkle of soil, like dusting with icing sugar, firm it down a little and I’m ready for the next step! Water with a mister filled with warm water. Also, what I discovered on the video, place the container on the lid, fill the lid with warm water, and the water will wick up through the drainage holes! The soil will be evenly moist, no moving the seeds around by a stream of water, why didn’t I think of this sooner! After the soil is good and moist, put some ventilation holes in the lid, pop it on top of the container and set in a sunny window! As the little sprouts come out and grow, they will move towards the light, so I’ll turn the con-
tainer each day to keep them straight. Water regularly, keep the soil evenly moist. And there we go, a mini greenhouse full of edible greens, in 28 to 45 days. As the months pass, I will start more greens the same way, but these greens I will transplant out into the garden once they reach two or three inches! And then I’ll make salads, plain just lettuce salads, or salads with tons of veggies in them, chicken, tuna, hard boiled eggs or salmon on top. Dress these with a lovely, simple homemade vinaigrette - three parts good oil or just plain canola oil, one part plain white vinegar or go fancy with rice, wine or balsamic, one teaspoon of Dijon mustard, minced garlic, salt and pepper, a good shake and you’re ready to go! Life is so good!
Deadline for classifieds is every Wednesday at 5:00 p.m.
Serve your own! Kits available at
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KELLY
BLOCK
February 29, 2012
MEMBER OF PARLIAMENT SASKATOON-ROSETOWN-BIGGAR
Working Hard for You! 1-306-948-2446 biggar@kellyblock.ca
www.kellyblock.ca
10 - THE INDEPENDENT, BIGGAR, SK
MONDAY, JANUARY 30, 2012
Please fish responsibly on Saskatchewan lakes The Saskatchewan Ministry of Environment reminds everyone who ventures out on Saskatchewan’s frozen lakes to enjoy a day of ice fishing to fish responsibly and safely. Everyone can help maintain a sustainable fishery and a healthy environment. Respect angling limits, size restrictions and sustenance amounts. Keep natural areas clean by picking up empty bait containers and other trash when leaving the ice. Any litter left on the ice will wind up in the lake or along the shoreline when the ice melts, creating an unsightly mess and polluting the habitat for aquatic creatures, including fish. When planning a day outdoors, please keep safety in mind. The lack of snow and recent fluctuating temperatures has created a variety of ice conditions, so watch for changing conditions, open water, cracks, slush
and water on the ice and ice ridges. As well, it is unlawful to consume alcoholic beverages while out on the ice. “A diverse group of people use the Saskatchewan fishery, including First Nations, Métis, recreational users and commercial fishers,” Ministry of Environment Compliance and Enforcement Director Ken Aube said. “By working together and showing respect, to each other and to the resource, we will continue to enjoy the benefits of a worldclass fishery.” Anyone who is aware of or who suspects environmental, wildlife or fisheries violations is encouraged to report them to the nearest Ministry of Environment office or to call the province’s tollfree Turn In Poachers (TIP) hotline at 1-800667-7561 or #5555 for SaskTel cell phone subscribers. Callers may be eligible for cash rewards through the SASKTIP Reward program.
Snow’s a blowin’ . . . Town of Biggar employees Mark Haynes, right, and Cory McMahon, along with their fellow employees, were out cleaning up streets last week. Although the “winter” hasn’t been a harsh one with little snowfall, the recent blast of white required some attention. (Independent Photo by Kevin Brautigam)
Saskatchewan seeks strengthened ties with Europe While Saskatchewan businesses continue to attract international investment and maximize global sales, the Government of Saskatchewan is working to expand opportunities in Europe. “With so much global uncertainty, European investors are looking for stable and growing ju-
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risdictions where they can do business, and Saskatchewan has a unique story to tell with strong forecasted growth and a AAA credit rating,” Enterprise and Trade Minister Jeremy Harrison said January 20. “Many Saskatchewan farmers, manufacturers, miners and researchers depend on European markets, and strengthening ties with Europe will create more jobs and opportunity here at home.” While in Europe, Harrison met with Business
Europe, an international organization composed of 41 European business associations, to encourage investment in Saskatchewan. Harrison also met with the global energy company GDF Suez. The trip concluded with executive meetings at Yara International headquarters in Oslo, Norway, to discuss the company’s continued interest in Saskatchewan’s fertilizer and agricultural industry. Harrison also used the trip to Europe to advocate
For the past 35 years, the Saskatchewan Junior Citizen program has been recognizing the outstanding youth of Saskatchewan.
for a successful conclusion to the Canada-Europe Free Trade agreement negotiations. Before going to Europe, Harrison stopped in Ottawa to meet with federal Trade Minister Ed Fast and Canada’s chief negotiator Steve Verheul. While in Europe, Harrison also met with Europe’s chief negotiator, Mauro Petriccione. “Saskatchewan has one of the most trade-oriented economies in Canada and one of our key goals is to expand market access through international trade negotiation such as the free trade talks between Canada and Europe,” Harrison said. “A successful agreement would create new opportunities and jobs for Saskatchewan exporters and farmers.”
12013JJ00
This year four deserving youth, aged between 8 and 18 years old, will receive $3000 bursaries to help pay for their future post-secondary education. Someone you nominate could be one of them. Visit www.swna.com for more information and nomination forms or call Nicole Nater at 1-800-661-7962 Nomination closes April 30, 2012.
MONDAY, JANUARY 30, 2012
THE INDEPENDENT, BIGGAR, SK -11
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OBITUARIES
MEMORIAMS
Gwendollyn Blackmur May 8, 1913 January 9, 2012 With sadness, the family of Gwendollyn Blackmur of Biggar, Sask. announce her passing on Monday, January 9, 2012 at Biggar Diamond Lodge at the age of 98 years. Gwen was born May 8, 1913 in Humboldt, Sask. Memorial Services and interment to be held at a later date. Grondin Funeral Services of Biggar in care of arrangements, “Our family serving your family since 1963”, 948-2669. gfsc1
MEMORIAMS ALLARD, Charlotte Dawn: November 8, 1949 - January 25, 2010 “Gentle in manner, patient in pain, Our dear mother left us, Heaven to gain. With nature so gentle and action so kind, It’s hard in this world her equal to ¿nd.” Lovingly missed but never forgotten… Dave; Gord, Kary, Kenzie, Jayden, Clayton, Kieran; Rick, Jen; BJ, Kent and Reid. 5p1
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see us at The Independent, 102 - 3rd Ave., Biggar
John Evanisky January 21, 2006
“Our heart still aches in sadness, Our silent tears still flow, For what it meant to lose you, John No one will ever know.” Love always…Ruby, Candace, Chris, Crystal, Jaob, Annica and Macey
CARD OF THANKS
COMING EVENTS
The Friends of the Lodge committee would like to thank everyone who helped with the fundraising blitz held in November and December. Sincere thanks also go out to all the people in the communities and surrounding areas who supported the campaign. 5c1
SUNDAY, APRIL 22: Ruthilda UCW Spring Supper, 5 - 7 p.m., Ruthilda Hall, Ruthilda, Sask. 5p1
COMING EVENTS SUNDAYS in February: Presbyterians, Anglicans, Lutherans will be worshipping at St. Paul’s Anglican Church, Biggar at 10:30 a.m. Potluck lunch, February 26 after service. Everyone is welcome. For more information, or pastoral services, phone Rev. Mark Kleiner at 9517122. 48/10tfn TUESDAYS, Jan. - Oct.: 1 4 p.m., Art Tuesdays at The Biggar Museum. Attention artists - work at your own pace in our gallery atmosphere. Share and critique with fellow artists, $50 year membership or $5 per day (come and go). Call 948-3451 to register. 3c3 FEBRUARY 1 - 22: Wendy Weseen, ‘Obsolete Spaces’ … showing in the Credit Union Gallery at The Biggar Museum, 1 - 5 p.m., Monday - Friday. 5c3 FRIDAY, FEBRUARY 3: Biggar & District Arts Council presents… “Belle Plaine”, 7:30 p.m. at The Majestic Theatre, Biggar. Advance tickets available at de Moissac Jewellers. Adults/ Seniors, $25 at the door, advance, $20; Students, $15 at the door, advance $12; children 12 and under, $5. 2c4 MONDAY, FEBRUARY 6: Donors’ Choice Annual Meeting, 7 p.m. at Biggar Hospital Boardroom. Donors’ Choice Board members and a representative from local organizations supported by Donors’ Choice, please attend. We need your support! 4c3 SATURDAY, FEBRUARY 11: Friends of the Lodge Valentine Dine and Dance fundraiser at Biggar Community Hall. Doors open at 5:30. Tickets… $30 per person, available at Biggar Town Of¿ce, de Moissac Jewellers and The Biggar Independent, deadline February 3rd. Silent and Live Auction. Music by Touch of Grey. All proceeds to the New Long Term Care Facility. ....NEW items for the Silent Auction will be gratefully accepted, please contact Karen Itterman, 9482629 or Donna Fines, 9483659. 5c2 MONDAY, FEBRUARY 13: Sandra Schmirler Olympic Gold Park Annual meeting, 7:30 p.m. at BCS 2000 library. Open to everyone. 3c3 ANTIQUES & COLLECTIBLES SHOW & SALE. February 13 - 19, 2012 (inclusive) at Market Mall, Preston & Louise, Saskatoon, during mall hours. TUESDAY, FEBRUARY 14: Biggar Museum Annual St. Valentine’s Tea & Pie Sale, 2 4 p.m., $3 at Biggar Museum Credit Union Gallery. Everyone Welcome! 5c3 SATURDAY, FEBRUARY 18: Biggar & District Arts Council presents… “Prairie Debut presents Alexander Sevastian”, 7:30 p.m. at The Majestic Theatre, Biggar. Advance tickets available at de Moissac Jewellers. Adults/Seniors, $25 at the door, advance, $20; Students, $15 at the door, advance $12; children 12 and under, $5. 4c4
AUCTIONS CORONATION INN, 4707 - 50 St., Red Deer, Alberta. Saturday, Feb. 11, 10 a.m. Complete hotel dispersal auction of newer kitchen equipment, dining room, catering, banquet facilities & contents of guest rooms. See montgomeryauctions.com or 1-800-371-6963.
NOTICE Families, clubs, churches and businesses are invited to do a Heritage Page to be on permanent display at Biggar Museum. Share your history! Do yours prior to the centennial celebrations! For more information call 948-3451 or visit museum 1 - 5 p.m., Monday Friday. 7tfn This newspaper accepts advertisements in good faith. We advise that it is in your interest to investigate offers personally. Publications by this paper should not be taken as an endorsement of the product or service offered. tfn Advertisements and statements contained herein are the sole responsibility of the persons or entities that post the advertisement, and the Saskatchewan Weekly Newspaper Association and membership do not make any warranty as to the accuracy, completeness, truthfulness or reliability of such advertisements. For greater information on advertising conditions, please consult the Association’s Blanket Advertising Conditions on our website at www.swna.com. tfn May the Sacred Heart of Jesus be praised adored and glori¿ed through out the world forever. Say six times a day for nine days, your prayer will be answered no matter how impossible before the 9th day. 5p1
MISCELLANEOUS
MISCELLANEOUS AT LAST! An iron ¿lter that works. IronEater! Fully patented Canada/U.S.A. Removes iron, hardness, sulfur, smell, manganese from well water. Since 1957. Phone 1-800-BIG IRON; www.bigirondrilling.com. STEEL BUILDINGS FOR ALL USES! Beat the 2012 steel increase. Make an offer on selloff models at factory and save thousands NOW! Call for FREE Brochure - 1-800-668-5111 ext. 170. STEEL OF A DEAL BUILDING SALE! 20X24 $4798. 25X30 $5998. 30X42 $8458. 32X58 $12,960. 40X60 $15,915. 47X80 $20,645. One end wall included. Pioneer Steel 1-800-668-5422. www.pioneersteel.ca. DISCONNECTED PHONE? ChoiceTel Home Phone Service. No One Refused! Low Monthly Rate! Calling Features and Unlimited Long Distance Available. Call ChoiceTel Today! 1-888-333-1405. www.choicetel. ca. IMMEDIATE CA$H for Gold, Diamonds, Silver, Coins, Ingots, Old Rings, Chains, Charms. GMG Jewellers, 105 21st St E, Saskatoon. gmgjewellers@ shaw.ca 1-866-464-7464 www. gmgjewellers.com.
WANTED Old battery collection, Fisher #300 Cadet Squadron. Drop off at the Biggar Land¿ll OR contact Quentin Sittler at 658-2132 3tfn Main Street Garage Sale is accepting donations of all items in clean and working condition. Please phone 948-1773 or 9485393. Pickup available. 32tfn
CARS & TRUCKS Guaranteed approval drive away today! We lend money to everyone. Fast approvals, best interest rates. Over 500 vehicles sale priced for immediate delivery OAC. 1-877-796-0514. www.yourapprovedonline.com.
RECREATION 1985 Yamaha Virago, 1,000 cc, new rubber, carbs and forks redone. Phone 948-7521. 36tfn
LIVESTOCK Charolais Bulls for sale. Red and white, excellent hair coats and quiet disposition. Celebrating our 25th year in the charolais industry. Domes Charolais, call John at 948-5260 2p3
Seed & Feed
PEDIGREE SEED for Spring 2012
Lentils: CDC Impower CL CDC Greenland CDC Maxim CL CDC Imax CL Wheat: AC Carberry AC Andrew Durum: AC StrongÀeld Peas: CDC Golden Canary Seed: CDC Basoia CDC Maria
NAKONECHNY SEEDS Ruthilda, SK S0K 3S0 (306) 932-4409
Where Quality Comes First! H EATED CANOLA WANTED!! - GREEN CANOLA - SPRING THRASHED - DAMAGED CANOLA FEED OATS WANTED!! - BARLEY, OATS, WHT - LIGHT OR TOUGH - SPRING THRASHED HEATED FLAX WANTED!! HEATED PEAS HEATED LENTILS "ON FARM PICKUP" d Westcan Feed & Grain 1-877-250-5252
Four-piece bedroom suite plus metal head and foot board. Like new condition, $500. Call 9482696. 4p3 Oak dining room suite includes table, six chairs, hutch and china cabinet. Phone 948-2514 2p3
Please arrange to pick up photos that have been used for publications.
12 - THE INDEPENDENT, BIGGAR, SK
REAL ESTATE Two serviced lots, side by side in Biggar, 100’x140’, $79,900. Call 717-4681 (cell) 5tfn FOR SALE. 55 PLUS ACTIVE ADULT Living. Large Ground Level Townhomes. 306 241 0123 www.diamondplace.ca. LAKE VIEW HOMES Vernon, BC. Convenient location in Okanagan Landing. Established neighborly landscaped community. Low maintenance quality built homes. Pool, Tennis, Picnic & Fitness Center. On Site Boat & RV Storage. Next to Beach, Boat Launch & Marina. Direct access to walkways & bike trails. Level entry & 2 storey homes available $429,000. Call Scott 250.558.4795 wwww. SeasonsVernon.com.
HOUSES FOR SALE
TRAVEL HAWAII ON THE MAINLAND, where healthy low-cost living can be yours. Modern Arenal Maleku Condominiums, 24/7 secured Community, Costa Rica “the most friendly country on earth”! 1-780-952-0709; www. CanTico.ca.
FOR RENT
If YOU are… • Moving • Expecting a Baby • Planning a Wedding • Anticipating Retirement Call WELCOME WAGON at 948-2563 - Lisa Haynes We have gifts and information www.welcomewagon.ca
For more information call:
Need somebody to tend bar at your function, wedding, anniversary, etc. Contact Biggar Arts Council members, Denise, 948-5146 or Marilyn, 948-2792. tfn CRIMINAL RECORD? Guaranteed record removal since 1989. Con¿dential. Fast. Affordable. Our A+ BBB rating assures employment/ travel freedom. Call for free information booklet. 1-8-NOWPARDON (1-866-972-7366). RemoveYourRecord.com.
948-3820
PERSONAL
Connie RiesSmall’s
50th
Birthday Tea
at Ruthilda Hotel
Saturday, Feb. 4 8 p.m. - midnight
SOLD EXAMPLES Bengough - 22 1/4’s Bethune - 2 1/4’s Blaine Lake - 245 acres Cupar - 5 1/4s Davidson - 6 1/4’s Elfross – 18 1/4’s Emerald – 22 1/4’s Eastend - 2 1/4’s Grenfell - 3 1/4’s Harwarden - 1 1/4’s Lestock - 5 1/4’s Lake Alma – 9 1/4’s Marcelin - 7 1/4’s Moose Jaw - 8 1/4’s Nokomis - 8 1/4’s Ogema - 36 1/4’s Prince Albert - 1 1/4’s Saskatoon - 2 1/4's Semans - 7 1/4’s Simpson - 10 acres Viscount - 3 1/2 Wadena - 4 1/4’s Wakaw West - 41/4’s Watrous/Young 30 1/2 Mobile Home Park Weyburn - 21 1/4’s Call DOUG 306-955-2266 EMAIL: saskfarms@shaw.ca Letter of Appreciation When we were approached by Mr. Doug Rue of Freshwater Holdings in July 2011, it was an opportunity for us to sell our farmland at a very fair price. Mr. Rue visited our home and he explained the process, w h i c h went forward very quickly. We received payment on September 15, 2011. We appreciated Mr. Rue’s friendly and understanding manner. There were no difficulties and he kept in touch throughout the transaction.
SERVICES
1 Bedroom, 2 Bedroom Heat and water supplied, wired for cable TV and satellite systems, laundry facilities, appliances, some suites with dishwashers, air conditioning, parking with plug-ins.
302 - 8th Ave. W. • Biggar
PURCHASING: SINGLE TO LARGE BLKS OF LAND. PREMIUM PRICES PAID WITH QUICK PAYMENT.
HEALTH/ WELLNESS $10 CASH BACK for every pound you lose. Herbal Magic. Lose Weight Guaranteed! Call Herbal Magic now at 1-800827-8975 for more information. Limited time offer.
Charter/ Sherwood Apartments
LAND FOR SALE
MONDAY, JANUARY 30, 2012
MoneyProvider.com. $500 Loan and +. No Credit Refused. Fast, Easy, 100% Secure. 1-877-7761660.
BUSINESS OPPORTUNITY
… Best wishes for the next 50 years.
Love, Valerie, Kathy and Wendy
CAREER TRAINING Green careers are the wave of the future. Prepare to enter this exciting ¿eld with environmental sciences training at Lakeland College’ s Vermilion campus. Choose from four diploma majors. Want a degree? Lakeland’ s environmental management applied degree is one of only six programs in the country accredited by ECO Canada. Visit www. lakelandcollege.ca or phone 1 800 661 6490, ext. 8579.
EMPLOYMENT OPPORTUNITY SASKATOON HOTSHOT TRANSPORTER is now hiring 3/4 and one TON trucks for R.V. hauling throughout Canada and the U.S. Year round work, lots of miles and home time, fuel subsidies, bene¿ts, excellent earnings. 306-653-8675. www. saskatoonhotshot.com 2p4
EMPLOYMENT OPPORTUNITY Required immediately sheet metal journeyman and apprentices for 6 - 8 month commercial projects in the area. A construction site access drug and alcohol test is required prior to employment. Fax resume and the required documentation to 780-447-2758. AUTOMATED TANK Manufacturing Inc. requires a Spray Foam & Paint Applicator. Must have minimum 2 years experience, and must be in good physical health. Great wages, bene¿ts, full insurance package 100% paid by company, savings plan for retirement, pro¿t sharing bonus, long term employment. Wages $33. - $35./hour. Join a winning team. Call 780-8462231 for appointment or send resume to: Fax 780-846-2241 or email Blaine Ross at blaine@ autotanks.ca or Basil Inder at production@autotanks.ca.
EMPLOYMENT OPPORTUNITY Biggar Community Connections supports individuals with physical and/or mental challenges, in their residence and in their community.
Casual 12 hour shifts, nights and days are available. Starting wage is $13.00/hour with yearly increases. Interested applicants may apply online to bcgh@sasktel. net or fax to 948-3426 or mail to Box 1690, Biggar, SK, S0K 0M0. Contact Lynn at 948-3472 for more information.
EXPERIENCED DRILLERS, Derrickhands, Motorhands and Floorhands. Seeking full rig crews. Paying higher than industry rates and winter bonus. Send resume c/w valid tickets. Fax 780-955-2008; info@ tempcodrilling.com. Phone 780955-5537. MOM’S DREAM WORK FROM HOME: P/t Nanny Placement / Recruitment Coordinator, Àexible hrs., Sales & HR experience, excellent communication & computer kills, ambitious, organized, motivated, set up home of¿ce, perfect for professional stay at home mom, $$$ / match Email resume to jobs@internationalnannies.com ROADEX SERVICES LTD. has new supplier contracts! We require immediately - O/O 1 tons and 3 tons for our RV division and O/O Semis and drivers for our RV and general freight deck division to haul throughout North America. Paid 2x month, direct deposit, bene¿ts and company fuel cards. Must be able to cross border with valid passport and have clean abstract. 1-800-8676233; www.roadexservices. com. SMALL COMPANY from Rocky Mountain House, Alberta is looking for full-time Class 1 gravel truck drivers. Experience preferred with truck/pup and wagon. All work is local and surrounding areas. You are home every night. Possible accommodation can be provided. Must provide driver’s abstract and safety tickets (will provide courses if necessary). Fax resume and abstract to 403-845-3062. Email: smt. ltd.98@gmail.com. NEED A HOME PHONE? Cable TV or High Speed Internet? We Can Help. Everyone Approved. Call Today. 1-877-852-1122 Protel Reconnect
WW1204
SUN WEST SCHOOL DIVISION invites applications for:
Mechanic ELROSE BUS GARAGE
For further information, please refer to our website at www.sunwestsd.ca
HAZCO Environmental Services is seeking a Sales Representative to join our sales team. Work from your home town and grow professionally with one of the largest oil and gas service companies in the industry. CCS is welcoming resumes for the position of Sales Representative for our Saskatchewan area. Please visit our website at www.ccscorporation.ca or submit your applications to Resumes@hazco.com
THE BIGGAR INDEPENDENT
on NEWSSTANDS at… • Leslie’s Drugstore • Pharmasave • Super A Foods • Shop Easy Food • Quick Stop • Esso 414 • Weasie’s Gourmet Blends • Feudal Co-op, Perdue • A & D Foods, Perdue
If you DO NOT receive your Independent in a timely manner, please call your local post office or Canada Post @ 1-866-607-6301
MONDAY, JANUARY 30, 2012
THE INDEPENDENT, BIGGAR, SK - 13
Business & Professional … FOR RENT
REAL ESTATE
BIGGAR HOUSING AUTHORITY
Saskatoon
Housing for families and seniors Rent based on income
Call: 948-2101
DUANE NEUFELDT Licensed For: • Residential • Acreage • Farm
Serving BIGGAR and Area
ELECTRICAL
306-948-8055
BIGGAR ELECTRICAL & REFRIGERATION SERVICES
Fax: 306-948-2763 www.DuaneNeufeldt.com
The sign you want. The agent you need.
Authorized Appliance Depot Electrical Wiring Trenching Licensed Journeyman Adrian de Haan
Tim Hammond Realty Licenced for:
•Farm •Residential •Commercial •Acreage rd
113 - 3 Ave. W., Biggar
948-5291
948-5052 (office)
PHILLIPS ELECTRIC
Cell 948-9168 www.TimHammond.ca www.FarmsofCanada.com
Tim Hammond, BSA, P.Ag., Broker
Proud to handle Biggar’s Real Estate Needs
Tim Hammond Realty
• Residence • Commercial Wiring For free estimates Ph: 948-5393
HOME IMPROVEMENTS “The Dream Machine”
Residential & Commercial Painting contact… NCM Home Maintenance - Nick Maguire -
948-3325 948-4558 (cell) or The Design Goddess - Heather Hawkins -
948-3702 948-7958 (cell) McCARTY CONSTRUCTION • Commercial • Residential • Design Builder • Insurance Claims • Renovations • Drafting Service
“Big or Small -We Do Them All”
113 - 3rd Ave. W., Biggar
Licenced Journeyman Carpenters Troy McCarty 948-5627 (H) 948-9280 (C) Mitch McCarty 373-8254 (H) Serving Biggar ... Since 1968
948-5052 (office)
Northland Foaming
Licenced for: •Residential
Cell: 306-221-6888
Spray Foam
Cell 948-7995 www.TimHammond.ca http://Cari.TimHammond.ca
Cari McCarty Residential Sales
Biggar’s Top Performing Residential Agent
Tim Hammond Realty
PLUMBING HEATING ELECTRICAL
For all your home, business and rural needs Owners/Operators • Travis Young • Dallas Young • Claude Young
Licenced for: •Farm •Acreage •Residential • Commercial
113 - 3rd Ave. W., Biggar
Biggar, Sask.
948-5052 (office)
948-3389
Cell 948-4478
Journeymen Plumber, Gas Fitter, & Electrician on staff
Dave Molberg BSA
www.TimHammond.ca www.FarmsofCanada.com
Exposure, Experience and Effort.
of The Battlefords Independently Owned and Operated
FOR ALL YOUR REAL ESTATE NEEDS… • Selling/Buying • Residental • Farm/Acreage • Commercial • Recreational
ECONOMIC DEVELOPMENT Bear Hills Rural Development Corporation Box 327 Biggar, SK S0K 0M0
HOME IMPROVEMENTS
Wally Lorenz Sales Associate 1391 - 100th St. North Battleford, SK S9A 0V9 Day or Night
Cell: (306) 843-7898 Bus: (306) 446-8800 znerol.w@sasktel.net
GLASS INSTALLATION
9Residential 9Commercial 9Automotive 9We tint vehicles too!
Helping you Help yourself
For all your glass needs,
Kent Dubreuil, E.D.O. Phone: 306-948-2295 Fax: 306-948-5050
104 - 2 Ave. West Biggar nd
Inc. FRE
E Es
timat Call us for… es • Insurance jobs • Renovations • New home building • Drywall & Painting • Flooring (hardwood, ceramic, etc.) • Residential/Commercial • CertiÀed installer for Logix ICF
HANDY JIM SERVICES
available to do…
• painting & Ӿnishing • decks & small buildings • light plumbing • windows & doors • laminate & hardwood ӿoors • general repairs
948-4846
Call Jim @ 948-3333
Insulation
306-948-2805 Cell: 306-948-6062 Email: northland83@yourlink.ca Want to insulate your quonset, farm/commercial buildings, house or cabin? Lower your heating and cooling costs and add strength to your buildings!
MADGE CONTRACTING LTD. For all your rooÀng needs… ¬New Construction ¬Metal ¬Torch-on ¬Re-roofs ¬Tile ¬Asphalt ¬All repairs ¬Shakes We offer 10 Year Workmanship Warranty and Liability/Torch On Insurance Excellent Local References For a FREE estimate please call… 306-948-5453
306-717-2818 www.madgerooÀng.com Biggar, Sask.
MANUFACTURING
Bear Hills Rentals & Machine Works • Machine Shop Service • Rentals • MASTER FEEDS dealer • COMMERCIAL SOLUTION Ag Parts dealer • Drive line parts & service • KANE VET supplier
Phone: 948-4844 Fax: 948-4845
A Sign of
ADVERTISING is an investment in your business.
MANUFACTURING CWB CertiÀed Light Fabrication Mobile Welding
HEALTH/ WELLNESS Your Healthy Living
Weight Loss & Wellness Centre
230 - 1st Ave. W., Biggar Phone: 948-7117 email: chase14welding@sasktel.net
SEED CLEANING
Consultant & Coach Anne G. Livingston •Ideal Protein Weight Loss Clinic •Epicure Selections •Walden Farms Products •Young Living Essential Oils •Beauticontrol Skin Care www.beautipage.ca/annelivingston
Located in Angie’s Hair Salon 219 Main St., Biggar Call 948-7274 or 948-3696
Wylie Farms Ltd. SEED CLEANING Canadian Seed Institute Accredited Pedigree, Commercial & Custom Cleaning FULL line of Cleaning Equipment including Gravity Table
Excellent Quality at a Reasonable Price! For all your Cereal and Pulse Cleaning
948-2807 or
Call: Bill: Dale:
948-5609 948-5394
Plant located 8 miles south of Biggar on Hwy #4, ¼ mile west on Triumph Rd.
Phoenix M4 Mobile Grain cleaning and sizing
Michelle Spuzak, R.M.T. (NHPC member) NEW LOCATION… 114 - 2nd Ave. W., BIGGAR
Services available… • Shamanic Healing • Psychosomatic Therapy • Massage • Emotional Release Therapy
~ Gift CertiÅcates ~ Evening, Saturday and in-home appointments available.
948-2548 or 948-9710
WTSL MOBILE GRAIN SERVICE Box 917, Biggar, SK S0K 0M0
Wayne Dollansky 306-948-7247 Custom Combining JD9770 - together with -
with draper or hydraÁex headers
McNULTY’S MOBILE SEED CLEANING
Custom Cleaning of H.R.S. & C.P. S. Wheat
Phone: 948-5678
DENTAL DR. GLENN RIEKMAN Dentist 115 - 1st Ave. W. Rosetown, Sask.
OFFICE HOURS Monday to Thursday 8 a.m. to 5 p.m. Phone: 882-2123 Emergency (after hours) 882-2006
BIGGAR DENTAL CLINIC 104 - 6th Ave. East, Biggar, Sask. Southeast entrance of Nova Wood Bldg. Hours… Monday - Thursday, 8 a.m. - 4:30 p.m. Friday, 8 a.m. - 11 a.m.
Ladies Only
30 min. Circuit Gym …owned and operated by Diane Larouche Ellard
Located in the Nova Wood Centre (back entrance) 104 - 6th Ave. E., Biggar
948-2208 NEW BEGINNINGS WELLNESS CENTRE “Putting PERSONAL back into fitness training!” Wayne Baldwin, W
NO Certified Fitness Trainer, N Natural Health Consultant, E P O Physical Therapy Aide Over 20 years resistance training experience!
• Personalized Fitness/Nutrition Programs • One-on-One PersonalTraining • Injury Prevention and Rehab • Active Isolated Stretching • Limited Memberships to Private Fitness Studio Gift Certificates available.
Visit us @ 219 - 4th Ave. East, Biggar Where you can feel right at home! Phone… 948-2548 Cell… 948-8048
EYE CARE
Kirk Ewen Doctor of Optometry
306-948-3408
Qualilty! • Wood, metal, plastic signs • Vehicle & window graphics • Banners, stickers and Magnetic signs
Jerry Muc Phone: 948-2958 Fax:
948-5699
Contact 948-3344 to have your business listed, ask for SPECIAL rates
In Biggar Every Tuesday. Biggar Professional Building, 223 Main Street, Biggar
For appointments… 1-855-651-3311
14 - THE INDEPENDENT, BIGGAR, SK
MONDAY, JANUARY 30, 2012
Business & Professional LEGAL SERVICES
ACCOUNTING
SERVICES
AUTOMOTIVE
Rebel Landscaping
BUSSE LAW PROFESSIONAL CORPORATION Barristers & Solicitors Stuart A. Busse, QC Larry A. Kirk, LL.B. 302 Main Street, Biggar, SK
948-3346 …serving your community since 1972
Roe & Company is a full service law office that practices… ¾Family and Criminal law ¾Commercial law ¾Real Estate ¾Wills and Estate, and our lawyers, William Roe, Q.C. Jason Peszko Ian Mokuruk Treena Sikora Lisa Watson Sheri Woods look forward to assisting you and can be contacted at:
306-948-5352 or 306-244-9865
223 Main Street Biggar Box 580 Biggar, SK SOK OMO
OPEN: Mon.-Fri. • 9 a.m.-6 p.m. Saturday • 9 a.m. - 5 p.m.
948-2183 Email: ddolack@sasktel.net Website: www.hrblock.ca
INVESTMENTS
948-3376 after hours George: 948-4042 Corner of Main Street & 1st Avenue West, Biggar
Financial Planning Estate Planning Life Insurance 222 Main Street 306 948 5377
info@twhÀnancial.ca www.twhÀnancial.ca
948-3996 Open Monday-Saturday Mike Nahorney, Interprovincial Heavy Duty Journeyman Mechanic
TIRES
100% handwash “Where we do it all for you!!” • Detailing • Vortex Spray-In Box Liners • Granitex Baked-on Coatings for Decks and Cement Flooring • Auto Accessories • Trailer Rentals
948-1722 1st Ave. West, Biggar
948-2700 Wealth Consultant
INSURANCE
Your Auto Parts and Accessories Dealer Open: Mon.-Fri. 8 a.m. - 5:30 p.m. Sat. • 8 a.m.-4 p.m.
B IG G AR I NSU RAN CE S E R VIC ES
• Topsoil • Lawn Care • Leveling • Sod • Patio Blocks
G<F Ahf^ FZbgm^gZg\^ & @^g^kZe RZk] <e^Zgbg` &Lghp K^fhoZe & Likbgde^k lrlm^f >O:< & Ahnl^ahe] iZbgmbg` Zg] fbghk k^iZbkl
Anne G. Livingston
CertiÀed Custom Picture Framer • photographs • paintings • art prints • memorabilia • collages, etc. Call Anne @ 948-7274 greengables2@sasktel.net
Check out our new website: classicmakings.ca
Biggar
Judy Judy Kahovec: Kahovec… 882-4313, Cellcell 831-7935 306-882-4313, 831-7935 Carey Krchov: 882-3213 Carey Krchov…882-3213
948-3381 NORTHLAND PAINTING and SANDBLASTING •Texas Gates •Spray Foam Insulation •Sandblasting & Painting •Internal Coatings •Rock Guard Coatings g
Mobile Units Office: 948-2805 05 Cell: 948-6062 email: northland83@yourlink.ca
The Country Clipper • All Breed Dog Grooming • Boarding Kennels (Bordetella Mandatory) • Pet Supplies • Saleboard for dog and cat related items
For appointments and inquiries, call Janet at 948-2091
Pssst...Did you hear that you can still buy REGAL? Independent Rep
www.sask.shopregal.ca
in Biggar Insurance Bldg.
Ph: 237-4777
Email: saskregal@sasktel.net
THUR-O CARPET & UPHOLSTERY CLEANING Cliff Forsyth
ACCOUNTING
Garry A. Faye Chartered Accountant Notary Public 201B-2nd Ave. West P. O. Box 1480 Biggar, Sask.
Phone: 948-5133
Call me to Ànd out more about how The Plan™ can help you prosper now …and over time.
JIM VANCHA, PAg Consultant (306) 948-4393 jim.vancha@ investorsgroup.com
PHOTOGRAPHY
ELMER DOVE
Chartered Accountant Credit Union Building 302 Main Street P. O. Box 1750 Biggar, SK S0K 0M0
948-2222 or 948-2029
To fax…stop in at The Independent
Let Vortex protect your truck and your investment with the Vortex Seamless Sprayed on Liner System Prairieland Collision Rosetown, Sask.
306-882-2289
YH Truck, Ag & Auto
Photos by Jocelyn Portraits, Family, Weddings & Sports Photography Biggar, Sask.
www.photosbyjocelyn.com
306-948-2814
• Heavy truck parts • Agriculture parts • Automotive parts & accessories www.yhtruckagauto.com
521 Main St., Biggar 948-2109
Wood and Steel Buildings Floor & Trusses GEORGE STAHL (306) 948-3776 cell: (306) 260-6503 Ph:
Box 736, Biggar
Phone:
948-5600
Mr. John G. Smith Handyman/Drayman Available for … Local Moving/Hauling jobs
Phone: 948-3856
;% N% Lg_fcjk\ip ¾ ¾ ¾
Residential Commercial Automotive
For FREE estimates or enquiries CALL Wayne or Dorothy at
948-5678
BIGGAR LEISURE CENTRE 216 Main St., Biggar
Battery Chargers Electric Fencers Repaired/Rebuilt/ Built
Phillips Radio Shop 109 Main St., Biggar
948-2442
HONEYBEE SEPTIC TANK SERVICE Bob Kobelsky
658-4474, Landis, SK COURIER/HAULING
BIGGAR COURIER • Biggar to Saskatoon • Same day Service • Monday to Friday • 24-hour Answering Service
~Brian and Cathy Fick~
Cell: 306-948-7524
Mon. - Fri., 8 a.m. - 6 pm. 2 mi N on Hwy #4, 2-½ mi E on Golf Course Rd.
Contact Nancy Duns
304 Main St., Biggar
LG, Frigidaire, Shaw, Bell, Xplornet Internet Dealer; and Your authorized SaskTel Mobility and High Speed Internet Dealer
Fax: 948-2484
• Jackets • Windsuits • Shirts • Hunting Gear • Bunnyhugs • Caps • Toques • Bags
• cut trim and removal • post holes • landscaping • cement removal • trenching • holes for piles • driveways • garage pads • basements
Your authorized
Panasonic, Samsung,
Phone:
Ivan Young, Tree services available…
SERVICES
948-3955
<Zee Gb\d FZ`nbk^ 2-1&,,+. hk 2-1&-..1 \^ee
Phone: 948-2204 or 948-3886
BIGGAR ACCOUNTING SERVICES
• Snow Removal • Fences …and much more
Sewing & Embroidery
KRF Automotive Detail Centre
Owned & operated by Kevin Fick
100-128-4th Ave. South, Saskatoon, SK S7K 1M8
• Driveways • Concrete • Garage Pads • Pruning • Planting
701 - 4th Ave. E., Biggar
227 - 1st Ave. East, Biggar
Optometrists
948-2879, evenings 948-7207, daytime Ed Kolenosky
M & N REPAIR
SGI Safety Inspection Auto Repair
DR. KRUEGER, KENDALL & WILSON
• Notary Publics • Home & Agro Insurance • Auto & Commerical Insurance • Health Insurance • Motor Licence Issuer Office Hours: 9 a.m. to 5 p.m. Monday to Friday 304 Main Street • Biggar
Service Truck Full Mechanical Service Mon - Fri • 8 a.m.-5 p.m. phone: George
Heavy Truck Repair
OPTOMETRISTS
Phone: 244-7464 for appointment
SERVICES
MONARCH MEATS Modern Licenced Abbatoir • custom slaughter, cut and wrapping • sausage making, curing and smoking
• sides of Pork & Beef available
948-3384
WINE, BEER, COOLER KITS and SUPPLIES
available at Grape Moments located in The Independent, 102 - 3rd Ave. West, Biggar
948-3344
HARRIS TRUCK SERVICES LTD.
Custom Grain Hauling 306-948-9278 Landis, Sask.
Atkinson Trucking Landis, Sask. …For all your Local Grain Hauling Needs Bailen Atkinson 658-4460 or 948-4450
Rockin D Trucking & Cattle
• Cattle hauling with 21 ft. gooseneck trailer • round and large square bale hauling with step-deck or highboy semi-trailers • also buying and selling straw and forage • also machinery hauling Home • 306-948-2037 Alex • 306-948-7291 Dan • 306-948-7843 Biggar, Sask.
To advertise in this directory, please call Urla at The Independent • 948-3344 • This feature will appear Weekly. ASK ABOUT OUR SPECIAL DIRECTORY RATES!
MONDAY, JANUARY 30, 2012
THE INDEPENDENT, BIGGAR, SK - 15
Council Report for January 2012 Asquith Town Council held its regular council meeting on January 10, 2012. Appointments of Council for 2012 were made as follows: Legal - MacDermid Lamarsh, Auditor-Gilchrist and Co.; Fire Chief - Colin Graham; EMO Coordinator - Holly Cross; Building Inspector - Hermann Michael, Bylaw Enforcement Officer - Ron Klassen; Board of Revision - Gord Krismer and Associates.Tiffany Bertrand
and Murray Picketts were appointed to the Asquith Community Rink Board. A motion was made to add account receivables to the respective municipal taxes. The title of Municipal Administrator for the Town will be changing to Chief Administrative Officer, or CAO as suggested by UMAAS. A Community Event License was issued to the Hornet Hockey Team for a tournament and beer gardens to
be held at the Asquith Sports Center on Saturday, Jan. 28. A Community Event License was issued to the Dangerous Goods Hockey Team for a tournament and beer gardens to be held at the Asquith Sports Center on Feb. 3 and 4. A Community Event License was also issued to the Jokers Hockey Club for a tournament and beer gardens to be held at the Asquith Sports Center on Feb. 24 and 25.
Asquith News Neil Millard 329-4235 Member of Parliament, Kelly Block came to the Seniors hall on Thursday, January 19. The attendance was small due to the cold weather but Kelly spoke and the people asked questions over coffee. Everyone enjoyed the afternoon. Soup and Sandwich day was held on Friday, Jan. 20 in the Seniors hall. The weather was much better so there were more people. If you gained a few pounds during the Christmas season, you are invited to come to the Seniors Exercise group on Tuesdays and Thursdays. You will be glad that you came! As of Jan. 2, 2012, utility rates have gone up by 50¢ per 1,000 gallons. This means that the new minimum rate for the utility bill will now be set at $79 per month. Who said it? “I’m nuts and I know it, but so long as I make ‘em laugh, they ain’t going to lock me up.” Red Skeleton. The next seniors bingo will be held on Friday, Jan. 27.
If you become “down in the dumps”, watch America’s Funniest Home Videos on television! It will make you laugh and you will feel better! Baseball Hall of Fame catcher Gary Carter has taken a turn for the worse in his fight against cancer. Doctors at Duke University told Carter’s family that he has several new spots/tumours on his brain. Gary Carter is 57 years old. The weather has much improved now so we will
have a break from the cold weather! Please wear your seat belts and drive carefully! It helps It is good to see Gabe Brecht home from the hospital, Les Stack had the misfortune to fall and broke his hip. All the best to both men. Baseball news flash: Veteran New York Yankee catcher, Jorge Pasada, has announced his retirement from the great game of baseball on Tuesday, Jan. 21, 2012.
Perdue Community Bowl Club 55: MHS, Bob Lemon, 174; LHS, Kay Munro, 204; MHT, Bob Lemon, 492; LHT, Kay Munro, 554; THS; Aches & Pains, 1,139; THT; Aches & Pains, 3,103; MHA, Tom Davies, Al Levitt, 182; LHA, Kay Munro, 171. Ladies: LHS, Donna Eaton, 226; LHT, Dorrie Laberswieler, 767; THS, Teeter Totters, 1,054; THT, Bleepers, 3,039; LHA, Joey Levitt, 182. Mens: MHS, George Bartley, 290; MHT, George
Bartley, 625; THS, WWF, 896; THT, JAG, 2,346; MHA, Tom Davies, 187. Mixed: MHS, Chai Senglow, 246; LHS, Joey Levitt, 219; MHT, Chai Senglow, 648; LHT, Joey Levitt, 550; THS; Smilin’ 5, 1,083; THT; Chai and DJ’s, 3,065; MHA; Chai Senglow, 197; LHA; Joey Levitt, 184. Y.B.C. Bantam HD, Trystyn Wegwitz, 201. HS, Trystyn Wegwitz, 127. Junior HD, Danielle Munro, 331. HS, Danielle Munro, 191.
A reminder goes out to all residents of Asquith that pet licenses are now due. The cost of a dog or cat license is $10 if the animal is spayed or neutered and $20 if the animal is not spayed or neutered. Business Licenses are also now due for the 2012 year. For specific rates for business licenses, please contact the Asquith Town office. Also, municipal utility rates will be rising in January 2012. The cost for 1,000 gallons of water will be raised by $0.50, making a monthly utility rate (water, sewer, garbage, recycling, and infrastructure rate) will now be $79 a month. Now that winter is upon us, the Town would like to ask residents to bring in their garbage or recycle carts as soon as possible to facilitate snow removal. Also any vehicles parked on the street after a snow fall should be moved to facilitate snow removal. A notice will be put on those vehicles that don’t move, and they may be towed. The Community would like to send a big thank you to John Dahlseide for all of his hard work and volunteer time spent making ice at the outdoor rink. This cold job makes for many happy, smiling faces as children and youth enjoy skating in the great outdoors! Thanks John.
Heartland Health Region Board Meeting The next Board meeting will be held Wednesday, February 8th, 2012 in Rosetown. Board packages can be obtained from the Regional Corporate Office within one week of the meeting. Please call the office to arrange for printing and pick up. Contact Christa Garrett at 306-882-4111 ext 236 or by e-mail christa.garrett@hrha.sk.ca
For toll-free health information 24 hours a day. Please call 1-888-425-4444(TTY) if you have hearing or speech difficulties Smokers Helpline 1-877-513-5333 or www.smokefree.ca Questions about Medication? Call 1-800-665-DRUG (3784). Ask questions online www.usask.ca/druginfo Mental Health & Addictions Centralized Intake Line 1-866-268-9139 Monday to Friday 8:00 am—4:30 pm
Heartland Health Region www.hrha.sk.ca
Tim Hammond Realty 113 3rd Ave. W. Biggar, SK Tim Hammond, BSA, P.Ag. Owner - Broker Cari McCarty - Residential Grant Anderson – Farms Dave Molberg – Farms
Farmland for Sale (MLS) Wardrop Irrigation Pobran Weekes Atkinson Yurchuk Dixon HillCor Gray Whitmore Holbrook Swanson Green Krchov
RM 317 RM 284 RM 343 RM 347 RM 347 RM 342 RM 346 RM 466 RM 346 RM 316 RM 280 RM 376 RM 317 RM 317
2099 ac. 1855 ac. 1229 ac. 1226 ac. 877 ac. 458 ac. 640 ac. 322 ac. 480 ac. 320 ac. 317 ac. 298 ac. 160 ac. 160 ac.
Acreages for Sale (MLS)
12015KK00
Heart Attack Warning Signs It is not uncommon for someone who is having a heart attack to delay getting help. They may attribute the symptoms to another less serious ailment or deny the seriousness due to fear. Know what the warning signs for a heart attack are and act quickly by calling 911. You may have pain in your chest, neck, jaw, arms or back, have difficulty breathing, be nauseous and have cool, clammy skin. Your quick response may save your life, or the life of a loved one.
Clarke Egert Fuster Kerr Jordan Perdue Ac. Unity Ac. Dodsland Woods Road Rawson Sutherland Elliott
Rosetown Biggar Stranraer Biggar Wilkie Perdue Unity Dodsland Biggar Rosetown Wilkie Elrose
*$589,900 *$290,000 $249,900 $235,000 $200,000 $199,000 $185,000 $179,900 $169,900 $149,000 $85,000 $85,000
Homes for Sale in Biggar (MLS) Current Listings
412 3rd Ave E $124,900 219 4th Ave E $116,999 308 6th Ave E $84,900 224 2nd Ave W $43,500 104 6th Ave E (Lot) $30,000
Out of Town Property
Out of Town Property
Langham 207 2nd Rosetown Condo Perdue 909 8th St Perdue 9th St.
Landis 212 3 W rd Kinley 518 3 Landis Lot Wilkie Lot 204 2 St W
$274,900 $98,900 $89,900 $54,900
205 Turnbull Ave.
Sale Pending
RM 376 RM 342 Biggar RM 376 Dodsland
$199,000 $200,000 $249,900
298 ac. 463 ac. $39,000 160 ac. $199,900
Commercial Property (MLS) Demaine Hotel
Demaine
$399,900
*denotes Exclusive Listing
nd
Featured Listing
$49,900 $24,900 $22,500 $15,000
$257,000
Featured Listing
$89,900
This spacious 1 ¾ story 5 bedroom home features 1396 sq ft on two levels! Recently installed new windows on the 2nd floor, fresh interior paint and a new furnace (not installed). Located on a mature lot in Perdue, SK Call to view today!
Recently Sold Swanson Zenert 218 Main St. Swanson Hamilton
rd
1470 sqft Maintenance free Bungalow. Built in 2010 this home includes 3 bedrooms & 2 bathrooms. Includes the fridge, stove, washer, dryer. Beautiful laminate, carpeting and tile throughout. Attached garage. Front and back decks and a gorgeous valley view. A must see. Call to view today! th
Perdue Wilkie Stranraer
Current Listings
302 6th Ave W $296,500 102 6th Ave E $268,900 205 Turnbull Ave $257,000 402 7th Ave E $223,900 2nd Ave W Condos *$198,900 313 6th Ave E $175,000
909 8 St. Perdue Perdue Ac. Jordan Fuster
306.948.5052 Main Office 306.948.9168 Tim’s Cell 306.948.7995 Cari’s Cell 306.831.9214 Grant’s Cell 306.948.4478 Dave’s Cell
518 3rd Kinley
Featured Listing
$24,900
Perfect starter or rental property! This 700 sq ft home includes kitchen/dining room, living room, 2 bedrooms and back porch. Outside basement access. Newer exterior paint (2010) Located on an 81x140 ft lot with mature trees and shrubs in Kinley, SK.
www.TimHammond.ca
MONDAY, JANUARY 30, 2012
16 - THE INDEPENDENT, BIGGAR, SK
12015MC00
505 Hwy. 7 West, Rosetown, SK
1.877.979.7999 www.rosetownmainline.net
S0L 2V0
OPEN: Monday - Wednesday, 8:00 a.m. - 6:00 p.m. Thursday and Friday, 8:00 a.m. - 9:00 p.m. Saturday, 8:00 a.m. - 6:00 p.m. CLOSED: Sundays
JANUARY 30, 2012 DECEMBER 2011
A SPECIAL SUPPLEMENT TO
THE BIGGAR NEWSPAPER INDEPENDENT
ROOKIE MISTAKES
Missteps young investors should avoid
PARTNER
ING
UP
How to find a financial planner you can trust
SURVIVING A RECESSION Plan ahead for the next recession
DREAMING OF OWNING YOURGo OWN Online to view this HOME? section! Mistakes to avoid Ins and outs of home namenewspaper.com /moneymatters warranties
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BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
TABLE OF CONTENTS Financial Planning Estate Planning Life Insurance x x x x x x x x x x x x x x
Registered Savings Plans (RSP) Tax Free Savings Accounts (TFSA) Business/Corp. Savings Accounts Farm Estate Plans Education Savings Plans Guaranteed Interest Contracts (GIC) Investment Loans Disability Insurance Mortgage/Loan Insurance Long Term Care Insurance Critical Illness Insurance Travel Insurance Health Care Benefits Group Benefit Plans Todd Hawkins Life Insurance Agent 222 Main Street, PO Box 1540 Biggar, SK S0K 0M0 Tel: 306.948. 5377 info@twhfinancial.ca
3
How to manage personal debt
4 How to manage personal debt 4 a Âżnancial youmoney can trust Simple meansplanner to saving 5Finding 6 Missteps young investors should avoid 5 Missteps young investors should avoid 6 How to avoid common investment traps to avoid common investment mistakes 7How)LQGLQJ D Ă&#x20AC;QDQFLDO SODQQHU \RX FDQ WUXVW Finding the right personal banking 9Buying 6 a home? Avoidbank thesefor mistakes 10 Plan ahead to survive the next recession means to saving money 'HOD\LQJ UHWLUHPHQW KDV Ă&#x20AC;QDQFLDO VRFLDO EHQHĂ&#x20AC;WV 12Simple Buying a home? these mistakes 7 13Fresh start in Canada Avoid can mean education savings crunch 13 Learn the basics of home warranties Get government money to start saving for your childâ&#x20AC;&#x2122;s 14 The basics of estate planning Why do our kids need a 15education post-secondary education nowadays? 8 Delaying retirement has Âżnancial, social beneÂżts 16 Fresh start in Canada can mean education savings 9 Avoiding Âżnancial woes crunch from a health condition 16 Get government money to start saving for 10 Theyour basics of estate planning childâ&#x20AC;&#x2122;s education $YRLGLQJ Ă&#x20AC;QDQFLDO ZRHV IURP D KHDOWK FRQGLWLRQ 17Simple means to saving money continued 19 How to control online spending 11 Learn the basics of home warranties 20 10 ways to clothe kids for less using credit abroad aheadto to know surviveabout the next recession 22PlanThings 22 How to beat luggage fees 12 Finding the right bank for personal banking
Now that you have your retirement nest egg, how can you maximize your income and help to ensure it will take care of you for life? If youâ&#x20AC;&#x2122;ve begun to think seriously about retirement, no doubt youâ&#x20AC;&#x2122;ve dreamed of a number of scenarios: travel, time with the family... but there are also questions you need to consider. Will your savings take care of you for life? Will they keep up with the increasing cost of living? Can your investments endure poor market conditions? PRODUCT ALLOCATION FROM MANULIFE CAN HELP YOU TAKE ACTION. FIND OUT MORE.
Todd Hawkins Life Insurance Agent 222 Main Street, Biggar, SK S0K 0M0 Phone: 306 948 5377 Email: thawkins@twhfinancial.ca
Sponsored in part by:
Manulife, Manulife Financial, the Manulife Financial For Your Future logo, Product Allocation from Manulife, the Block Design and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its afďŹ liates under license. TMK1300E 01/12
DID YOU KNOW? A credit score is a number generated by a mathematical formula, or algorithm, based on information in each individualâ&#x20AC;&#x2122;s credit report. Lenders use different scoring models to determine if an applicant is worthy of credit, and these different models are why men and women have three different credit scores. But each of these models relies heavily on an individualâ&#x20AC;&#x2122;s credit report. Two of the most inĂ&#x20AC;uential factors in determining an individualâ&#x20AC;&#x2122;s credit score are payment history and the amount of money owed. Payment history includes history of payment on credit cars, retail accounts, installment loans, and mortgages, among other things. Adverse public records, including bankruptcies, liens and wage attachments also factor in. A credit score also takes into consideration the amount owed, including amount owed on certain types of accounts and the number of accounts with balances. in addition to payment history and amounts owed. the algorithm used to determine a credit score also considers an individualâ&#x20AC;&#x2122;s length of credit history, any new credit accounts they have opened and the types of credit they have used. The higher a personâ&#x20AC;&#x2122;s credit score, the better interest rate that person is likely to receive from a lender.
BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
How to manage PERSONAL DEBT Individuals with substantial credit card debt might be able to reduce the stress of paying down that debt by calling their credit card company and working out a new repayment plan.
As if anyone needs their memory jogged, debt is a substantial problem for men and women living in fully developed countries. Estimates vary, but numerous surveys have indicated the average American household has more than $10,000 in credit card debt, a ¿gure that doesn’t include debt such as mortgages, car loans or student loans. In Canada, an early 2011 report from the Vanier Institute of the Family suggested the debt-to-income ratio for the average Canadian family was 150 per cent, which means that for every $1,000 a Canadian family earns, it owes $1,500.
or movie tickets. This type of credit card usage is habit forming, and it’s very easy for card holders to quickly amass a large balance on their accounts for items they could just as easily could have paid for with cash. Keep in mind interest will be charged on all balances not paid in full each month, so don’t make that cup of coffee or that pair of movie tickets cost even more by adding interest to the overall cost.
• Pay down high-interest debts ¿rst. Always work to pay down high interest debt ¿rst while paying a little more than the minimum on low interest debt. If a car loan came with What these ¿gures illustrate is that an especially high interest rate (hint: even the most ¿nancially savvy borrowers whose down payment on debtor may be in a precarious posi- a car loan was small or nonexistent tion, one that, should an unforeseen are likely saddled with a high-interest layoff or medical emergency occur, loan), work to pay down that balance could turn disastrous in a relatively as much as possible. Something short period of time. As a result, as simple as paying an extra $25 an individual’s ability to manage per month on a $200 per month personal debt is of paramount car payment can reduce the length importance, and the following tips of time it takes to pay off that loan can help men and women walking considerably. Once a high-interest a ¿nancial tightrope address their debt is paid off, move on to the debt debt in a way that might help them with the next highest interest rate. get back on their ¿nancial feet. • Stop paying the bare minimum. Paying just the minimum will barely • Eliminate bad debt. Not all debt cover the interest. That means the is bad, but credit card debt is rarely principal will hardly disappear, and the good. Card holders with substantial debt will be a seemingly impossible credit card debt should contact their obstacle to overcome. Pay more companies as soon as possible to than the bare minimum each month, see if the company is willing to work even if it means making sacri¿ces with them on a repayment plan. elsewhere. This is more prudent than declaring for bankruptcy, which will negatively • Avoid borrowing from Peter to impact an individual’s credit score pay Paul. Transferring balances from for years to come. Companies are a high-interest card to a low-interest often willing to work with card hold- card is one thing, but borrowing ers about repayment plans that against property or a retirement make it easier to pay down debt. savings account is playing with ¿re. But once an agreement is made, With regards to borrowing against a card holders must make meeting 401(k), the penalty to do so, not to the terms of that agreement their mention the extra income tax such top priority. a withdrawal will accrue, before retirement is substantial. In addition, • Stop accruing bad debt. Using the value of those retirement savings a card wisely is the key to avoiding will suffer considerably as the interest unnecessary debt. When using earned will be on that much less credit cards, do not use them for money until the full amount is paid everyday purchases like groceries back to the account.
Advice you can bank on ™
Financial Solutions Custom-Tailored for You: Your situation is unique and your goals and dreams are yours alone. Financial Planner and Investment and Retirement Planner, Kendall Kovitch will apply his Ànancial knowledge and expertise to your situation. He will meet with you Kendall Kovitch, at your home, your place of business or Financial Planner and at the Biggar Branch. The result will be a Investment and personal Ànancial strategy custom-tailored Retirement Planner for you and at the same time, offer clients the immense resources of all the member companies of RBC. Gain an understanding of what is important to you, identify your personal Ànancial goals, establish you personal proÀle, create your Ànancial strategy and recommend the solution to put your strategy into action is what Kendall will provide. Contact Kendall at 306-251-1451e-mail: kendall.kovitch@rbc.com
There’s Wealth in Our Approach: As part of the RBC Team, RBC Dominion Securities offers highly personalized service to high-net-worth individuals, farmers, and businesses. Jean Walker and Brendon Boothman are Investment Advisors in North Battleford who can meet with you in Biggar. Whether you’re looking to maximize your retirement savings, enhance your after-tax retirement income or protect your wealth for future generations, they can create a customized strategy designed to achieve your individual goals. To arrange a complimentary consultation -- or to receive a second option on your current investments, please call us at 306-937-5022 or e-mail jean.walker@rbc.com or brendon. boothman@rbc.com Plan now to attend our SPECIAL SEMINAR FOR FARM OWNERS, we will discuss how to pass on your farm to your intended beneÀciaries and not Revenue Canada. Luncheon at #601-1101 101 St., North Battleford on Wednesday, February 22nd, 11:45 - 1:00pm. Attendance is complimentary but seating is limited, to book your place contact Brendon Boothman at 306-937-5011 or Jean Walker, left and Brendon Boothman, brendon.boothman@rbc.com CFP/Investment Advisor, RBC Wealth Management/RBC Dominion Securities Inc.
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BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
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BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
MISSTEPS YOUNG INVESTORS SHOULD
AVOID
T
he global economy UHPDLQV LQ Ă X[ DQG investors across the globe continue to witness a roller coaster ride with respect to their investments. Substantial gains one day are followed by a precipitous GHFOLQH WKH QH[W DQG PDQ\ investors are simply along for the ride and struggling to make sense of it all. Though veteran investors are more IDPLOLDU ZLWK VXFK Ă XFWXDWLRQV young investors might be more confused. Some might even delay JHWWLQJ VWDUWHG RQ WKHLU SRUWIROLRV which is one of the many mistakes young investors commonly make. As unpredictable as the market PD\ EH LQYHVWRUV DUH RIWHQ PXFK PRUH SUHGLFWDEOH RIWHQ UHSHDWLQJ the behaviors of those who came before them. The following are some of the more common mistakes young investors tend to PDNH HDFK RI ZKLFK VKRXOG EH DYRLGHG QR PDWWHU KRZ GLIĂ&#x20AC;FXOW WKH market becomes.
Delaying the inevitable <RXQJ SHRSOH SDUWLFXODUO\ those who are just beginning WKHLU SURIHVVLRQDO FDUHHUV RIWHQ procrastinate when it comes to investing. This could be thanks WR D KRVW RI IDFWRUV LQFOXGLQJ LQH[SHULHQFH IHDU RU VLPSO\ wanting extra money in their pockets while theyâ&#x20AC;&#x2122;re young. Each RI WKHVH IDFWRUV PDNHV VHQVH EXW none of them should keep young people from investing. Most young people have seen the projections that show the staggering differences in money earned when D SHUVRQ EHJLQV LQYHVWLQJ DW DV RSSRVHG WR RU HYHQ (YHQ something as simple as investing
through a companyâ&#x20AC;&#x2122;s 401(k) is a JRRG SODFH WR VWDUW DQG \RXQJ investors should take advantage of the opportunity to do so as soon as theyâ&#x20AC;&#x2122;re eligible. When young investors put off LQYHVWLQJ WKH UHVXOWV ODWHU RQ DUH not often pretty. Thatâ&#x20AC;&#x2122;s because of the tendency to overcompensate GRZQ WKH URDG )RU LQVWDQFH DQ investor who had the chance to invest in a particular asset EXW SDVVHG RQO\ WR VHH WKDW DVVHW JURZ VLJQLĂ&#x20AC;FDQWO\ PLJKW overcompensate the next time an opportunity presents itself. This is especially dangerous ZKHQ LW FRPHV WR LQYHVWLQJ DV fruitful investment ideas certainly donâ&#x20AC;&#x2122;t grow on trees. An investor who begins young and starts learning how to invest will feel more comfortable with his or her SRUWIROLR DQG ZRQŇ&#x2039;W IHHO WKH QHHG to make up for lost years down the road.
%HLQJ DQ LOO LQIRUPHG investor Young investors know about the QHHG WR LQYHVW EXW PDQ\ VLPSO\ donâ&#x20AC;&#x2122;t ask enough questions about their investments. A young investor is in a great position for a number of reasons. Young investors are typically decades away from UHWLUHPHQW DQG DV D UHVXOW FDQ take on the most risk. The older an LQYHVWRU JHWV WKH PRUH ULVN DYHUVH he or she should become. Young investors commonly understand WKLV SULQFLSOH EXW WKDW GRHV QRW mean they should simply sit back and accept it when a risky investment does not pan out. While itâ&#x20AC;&#x2122;s good for young investors to WDNH ULVNV LI WKH ULVN GRHVQŇ&#x2039;W SD\ RII OHDUQ WKH UHDVRQV EHKLQG LWV failures. Doing so will lay a solid foundation for future investments.
Another thing young investors must learn is to avoid taking a risk for the purpose of taking a risk. While itâ&#x20AC;&#x2122;s true young investors can afford risks more than their parents RU JUDQGSDUHQWV WKDW GRHVQŇ&#x2039;W mean they should simply invest in any and all risky opportunities with the hopes of one of those opportunities eventually paying off in a big way. Learn what makes VRPH ULVNV EHWWHU WKDQ RWKHUV DQG donâ&#x20AC;&#x2122;t necessarily get married to a certain investment strategy. The PDUNHWV DUH FRQVWDQWO\ HYROYLQJ and investors need to evolve along with them to be successful over the long haul.
Only investing ´H[WUDÂľ PRQH\ Another common mistake young people make is the way they perceive investing. Many young people approach investing as something they will do when they get some â&#x20AC;&#x153;extraâ&#x20AC;? money. 8QIRUWXQDWHO\ WKH GD\ \RXQJ people get this extra money UDUHO\ LI HYHU DUULYHV $GGLWLRQDO H[SHQVHV LQFOXGLQJ YDFDWLRQV with friends or nights out on the WRZQ WHQG WR WDNH SUHFHGHQFH DQG \RXQJ SHRSOH Ă&#x20AC;QG WKHPVHOYHV approaching or even in their 30s without an investment portfolio to speak of. Treat investments as a monthly expense like rent or a car SD\PHQW 7KHQ LI WKHUH LV DQ\ H[WUD PRQH\ DW WKH HQG RI WKH PRQWK add that to the amount already invested. Tomorrow never comes LQ WKH ZRUOG RI LQYHVWLQJ DQG \RXQJ investors in particular need to realize that and get started as soon as possible.
How to avoid common investment traps
W
KHQ LW FRPHV WR LQYHVWLQJ PDQ\ people approach their initial foray with a degree of trepidation. Much RI WKDW LV GXH WR WKH QDWXUH RI LQYHVWLQJ which involves a leap of faith even for the most conservative investments. The economic downturn that began QHDU WKH HQG RI WKH Ă&#x20AC;UVW GHFDGH RI WKH 21st century has only added to the fears associated with investing. While investing LV D ULVN LWŇ&#x2039;V DOVR D QHFHVVDU\ VWHS IRU men and women hoping to secure their Ă&#x20AC;QDQFLDO IXWXUHV :KHWKHU DQ LQYHVWPHQW portfolio consists of just a 401(k) or an ,5$ PHQ DQG ZRPHQ ZKR KRSH WR UHWLUH QHHG WR Ă&#x20AC;QG D ZD\ WR EDODQFH WKHLU IHDU of investing with their desire to retire comfortably. Many of those fears can be countered by watching out for some of these common investment traps. Â&#x2021; (QYLURQPHQWDO LQYHVWPHQWV The â&#x20AC;&#x153;go greenâ&#x20AC;? movement has opened the door for scores of investment traps that prey on an investorâ&#x20AC;&#x2122;s desire to invest in ways that will improve their bottom line and the environment at the same time. Such traps are especially prevalent in the aftermath of environmental disasters like oil spills. Investors should be wary of e-mail or telemarketing campaigns that promise investors they have the products needed WR Ă&#x20AC;[ GLVDVWHUV ZKHWKHU LWŇ&#x2039;V DQ RLO VSLOO or a hurricane. Whenever investing in JUHHQ WHFKQRORJLHV LQYHVWRUV VKRXOG GR extensive research before agreeing to invest. Â&#x2021; ´+RW WLSV Âľ Nearly every investor has been offered a â&#x20AC;&#x153;hot tipâ&#x20AC;? at one point or another. Novice and even veteran investors should be especially wary of VXFK WLSV ZKLFK DUH RIWHQ XQIRXQGHG DQG could cost investors substantial amounts of money in the long run. Â&#x2021; 6SHFLDO GHDOV Some private deals are OHJLWLPDWH WKRXJK LQYHVWRUV SDUWLFXODUO\ EHJLQQHUV PXVW EH HVSHFLDOO\ ZDU\ RI â&#x20AC;&#x153;specialâ&#x20AC;? investment deals that often prey on unsuspecting investors. Typically framed as a chance to get in on the JURXQG Ă RRU DQG LQYHVW LQ D EXVLQHVV WKDWŇ&#x2039;V WU\LQJ WR UDLVH FDSLWDO WKHVH ´VSHFLDOÂľ GHDOV are often fraudulent and investors could lose a lot of money. Â&#x2021; %HZDUH RI RQOLQH VDOHV SLWFKHV Social media has made it easier than ever before for con artists to victimize unsuspecting investors. This investment trap often boasts high-yield returns and might even suggest these returns are tax-free. Any investment that guarantees either of WKHVH WKLQJV LV WRR JRRG WR EH WUXH DQG beginning investors should avoid them. Â&#x2021; *ROG VFDPV Though some investors embraced gold as an investment RSSRUWXQLW\ GXULQJ WKH HFRQRPLF GRZQWXUQ beginners should be wary of investment pitches that offer to buy gold for investors and then sell it once the value of gold has risen. The North American Securities Administrators Association warns that in many of these instances the gold does not exist. Investors who want to invest in gold should instead consider a gold fund. 7R OHDUQ PRUH DERXW LQYHVWLQJ visit the NASAA at www.nasaa.org.
5
6
BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
Buying a home? Avoid these mistakes The dream of home ownership is one that lives on in spite of the global economic struggles. The process of buying a home can be an HPRWLRQDO UROOHU FRDVWHU ULGH ZLWK IHHOLQJV RI H[FLWHPHQW PL[HG LQ ZLWK H[KDXVWLRQ IHDU DQG XQFHUWDLQW\ 2YHU WKH ODVW VHYHUDO \HDUV WKH UHDO HVWDWH PDUNHW KDV EHHQ WXUQHG XSVLGH GRZQ DQG PDQ\ SURVSHFWLYH EX\HUV KDYH EHJXQ WR TXHVWLRQ some of the conventional wisdom associated with buying a home. While such skepticism might be a healthy attitude in the current PDUNHW SURVSHFWLYH EX\HUV Âł SDUWLFXODUO\ WKRVH ZKR KDYH QHYHU SXUFKDVHG D KRPH EHIRUH Âł VKRXOG DYRLG WKH IROORZLQJ PLVWDNHV WKDW buyers make regardless of whether the market is up or down.
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3LJHRQKROLQJ \RXUVHOI LQWR DQ LQDGHTXDWH OLYLQJ VLWXDWLRQ -XVW OLNH EX\HUV VKRXOGQŇ&#x2039;W JR RYHUERDUG WKH\ DOVR PXVW DYRLG compromising on the things that are most important to them. )RU H[DPSOH PDQ\ RI WRGD\Ň&#x2039;V EX\HUV IXOO\ DZDUH RI WKH UDVK RI foreclosures and all the housing horror stories of the last several \HDUV DUH UHWLFHQW WR FRPPLW WR D KRPH DQG PLJKW FRPSURPLVH ZLWK D FRQGR RU FR RS %XW LI D KRPH LV ZKDW \RX UHDOO\ ZDQW and another living situation that mirrors apartment life is going to PDNH \RX PLVHUDEOH GRQŇ&#x2039;W VHWWOH IRU WKDW VLWXDWLRQ IRU WKH VDNH RI VHFXULW\ 'RLQJ VR FRXOG FRVW \RX Ă&#x20AC;QDQFLDOO\ HVSHFLDOO\ ZKHQ \RX realize the situation isnâ&#x20AC;&#x2122;t what youâ&#x20AC;&#x2122;d hoped for and look to sell earlier than is ideal.
0RUWJDJH TXDOLĂ&#x20AC;FDWLRQ is essential when EX\LQJ D KRPH as it gives buyers preapproval for a loan before they make any offers. Making an offer on a home before you know what the bank is willing to lend you is a waste of time for everyone LQYROYHG LQFOXGLQJ \RX WKH VHOOHU DQG the real estate agents involved. Some agents will not show a home if you donâ&#x20AC;&#x2122;t have a preapproval. Once preapproved IRU D ORDQ GRQŇ&#x2039;W WDNH any steps that might put that approval in jeopardy. This includes anything that might drastically alter your credit score.
How to Sell your Home Sooner These few steps will result in a dramatic increase in serious buyersâ&#x20AC;Ś 1. Look at your home with a â&#x20AC;&#x153;Buyerâ&#x20AC;&#x2122;sâ&#x20AC;? perspective. Is the home inviting or does it look rundown, old and cluttered? Is the front entrance clean and painted and does it make the best possible Ă&#x20AC;rst impression? 2. Touch-up paint. If the existing paint is especially bad, paint the entire room in a neutral colour. This allows Buyers to create their own idea of how they would live in the room. 3. Kitchen and bathrooms sell! These are the most closely examined rooms in the house. Ensure these rooms really shine by removing all clutter, re-sealing around sinks, tubs and showers if necessary and cleaning and repairing all Ă&#x20AC;xtures. There is nothing more unappealing than a dripping tap! 4. Prepare for showings in the same way that you would prepare for friends coming over. Make the beds, pick up clothing and clean the Ă oors. It should be easy for prospective buyers to move through the home. Consider moving some items into storage to create a more open look and feel. 5. Maximize storage spaces. Make sure that your cupboards and closets are clean and clutter free. Consider putting excess clothes and items into storage. The First-Time Home Buyers Tax Credit will provide a provincial nonrefundable income tax credit of up to $1,100 to eligible taxpayers, determined by applying a provincial tax credit rate of 11 per cent to the Ă&#x20AC;rst $10,000 of an eligible home purchase. There will also be provisions to allow persons with a disability to qualify for the purchase of more accessible homes. The details of the program are still being developed by Finance ofĂ&#x20AC;cials and the program will be formally introduced as part of the 2012-13 Budget.
Contactâ&#x20AC;Ś Cari McCarty, Residential Sales 113 - 3rd Ave. West, Biggar
948-5052 (ofĂ&#x20AC;ce) 948-7995 (cell) www.TimHammond.ca http://Cari.Tim Hammond.ca
Biggarâ&#x20AC;&#x2122;s Top Performing Residential Agent
%HLQJ blindsided by additional FRVWV
6NLPSLQJ on the cost of an LQVSHFWRU
First-time KRPHEX\HUV RQFH they have moved LQWR WKHLU KRPH often experience some sticker shock when the additional expenses associated with home ownership arise. These additional expenses include property tax and insurance costs and can be substantial. Even those buying a condominium or co-op should expect monthly maintenance fees even if their new place is brand new and needs no maintenance.
An inspector is your last chance WR Ă&#x20AC;QG RXW LI D home is your dream home or a money pit. Even if a house appears to be everything \RX ZDQW GRQŇ&#x2039;W close on the sale until the house has been thoroughly inspected. The old adage that advises against judging a book by its cover certainly applies WR EX\LQJ D KRPH and prospective buyers should enlist the services RI D TXDOLĂ&#x20AC;HG inspector before closing on the sale of a home.
6KRRWLQJ IRU WKH PRRQ The ongoing recession is in part the result of predatory lending that saw banks grant excessive loans to DSSOLFDQWV ZKR LQ KLQGVLJKW could not actually afford all that they were approved to borrow. The result was many people buying homes WKH\ FRXOG QRW DIIRUG DQG then suffering some steep FRQVHTXHQFHV LQFOXGLQJ IRUHFORVXUH ZKHQ WKH Ă&#x20AC;UVW mortgage payment came due or the interest rate rose. First-time and even veteran buyers must avoid shooting for the moon when LW FRPHV WR EX\LQJ D KRPH and instead only buy one they know they can afford. What the banks says you can afford isnâ&#x20AC;&#x2122;t always the same as what you know you can afford. Only buy a home \RX NQRZ \RX FDQ DIIRUG regardless of whether the bank has approved you for a larger loan.
Simple means to saving money If the ongoing recession has taught people anything, itâ&#x20AC;&#x2122;s the need for saving money. Many people were caught off guard by the recession, and studies have shown just how little men and women had saved before the bottom fell out on the economy. In a 2011 poll from the National Foundation for Credit Counseling, 64 percent of respondents admitted they would not be able to rely on their savings account if a $1,000 unplanned expense suddenly popped up. And the problem of not saving enough is not exclusive to Americans. A 2011 survey from the Canadian Payroll Association indicated that 57 percent of the nearly 2,100 respondents admitted they would be in Âżnancial trouble if their pay was delayed by just one week, while 40 percent expect to delay their retirement due to lack of savings. Such Âżgures should be enough to motivate men and women to start saving, not only for retirement but for an unforeseen event like a layoff that could put Âżnances in serious jeopardy. There are ways men and women can save money that donâ&#x20AC;&#x2122;t require too much sacriÂżce. Re-examine existing insurance policies. An insurance company is not liable to call you and offer lower rates. However, a consumer often Âżnds his or her company is willing to lower rates for those who initiate the conversation. For example, motorists
who have gone a signiÂżcant amount of time since their last speeding ticket or trafÂżc accident can often renegotiate their auto insurance policies and earn a lower rate. Some companies will automatically lower these rates, while others need some prodding. Oftentimes, the threat of cancellation is enough to motivate a company to reduce insurance costs. But policy holders wonâ&#x20AC;&#x2122;t know unless they try. If the company claims thereâ&#x20AC;&#x2122;s no wiggle room, start shopping around for a new company, and donâ&#x20AC;&#x2122;t hesitate to jump on a more affordable policy, even if it can be a hassle to change companies and policies. Another thing to consider when examining insurance policies if the level coverage is still necessary. For instance, men and women who opened an auto policy when their car was brand new might not want full coverage now that the car has gotten older. Reducing coverage can save signiÂżcant amounts of money. Shop sales. Shopping sales is a simple way to save, yet many people still donâ&#x20AC;&#x2122;t take advantage of sales. Whether grocery shopping, shopping for home furnishings or adding on to your wardrobe, shopping sales is a great way to save substantial amounts of money. When visiting the grocery store, sign up for the storeâ&#x20AC;&#x2122;s club membership, which in many cases automatically earns you sale prices as long as you remember to swipe the club card before paying. When shopping for clothes, peruse the clearance racks, especially at the end of the season, when stores simply want to get rid of items Continued on page 10
7
BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
Fresh start in Canada can mean education savings crunch
Get government money to start saving for your childâ&#x20AC;&#x2122;s education
1& Âł:KLOH PRVW SDUHQWV dream of sending their child WR XQLYHUVLW\ FROOHJH RU WUDGH VFKRRO WKRVH GUHDPV PD\ EH harder to realize as the cost of an education after high school keeps rising. By starting to save HDUO\ D OLWWOH JRHV D ORQJ ZD\ and with money from the federal JRYHUQPHQW LW SD\V WR VDYH early for your childâ&#x20AC;&#x2122;s education. You can get the Canada Education Savings Grant
1& Âł$V QHZ &DQDGLDQV 0DULD and Carlos work hard to make ends meet. With bills to pay and D Ă&#x20AC;YH \HDU ROG GDXJKWHU WR UDLVH going back to school to upgrade their skills and get better jobs is challenging. Carlos already works 60 hours a week. 6WLOO EHFDXVH WKH\ NQRZ WKH YDOXH RI DQ HGXFDWLRQ 0DULD DQG Carlos are trying desperately to save money to send their GDXJKWHU WR FROOHJH WUDGH VFKRRO or university when sheâ&#x20AC;&#x2122;s older. So how can they do that? They start by opening a Registered Education Savings Plan (RESP) DQG JHWWLQJ XS WR RYHU WLPH IURP WKH IHGHUDO governmentâ&#x20AC;&#x2122;s Canada Learning Bond (CLB). They donâ&#x20AC;&#x2122;t even need to spend a dime of their
own money to get it. If they receive the National Child %HQHĂ&#x20AC;W 6XSSOHPHQW DOVR NQRZQ DV WKH IDPLO\ DOORZDQFH DOO WKH\ have to do to get the Canada Learning Bond (CLB) is to: 1. Get a Social Insurance Number for their child (a 1 800 O-Canada agent can explain how to apply); *R WR WKHLU Ă&#x20AC;QDQFLDO LQVWLWXWLRQ to open an RESP; and 3URYLGH D ELUWK FHUWLĂ&#x20AC;FDWH VKRZLQJ WKHLU FKLOG ZDV ERUQ RQ RU DIWHU -DQ 7KHLU Ă&#x20AC;QDQFLDO LQVWLWXWLRQ WKHQ applies for the CLB on behalf of WKHLU FKLOG 7KH &/% LV D grant that the federal government automatically deposits in the RESP. If Maria and Carlos
&(6* D JRYHUQPHQW JUDQW that is deposited directly into a Registered Education Savings Plan (RESP). This savings plan FDQ EH VHW XS DW \RXU Ă&#x20AC;QDQFLDO institution and serves as a valuable education savings vehicle for families with children. The earlier you or your relatives start putting money into the 5(63 WKH PRUH DIIRUGDEOH post-secondary education becomes. And we know that a world of opportunity opens
up for those who go to trade VFKRRO FROOHJH RU XQLYHUVLW\ If you think money is too tight WR VWDUW VDYLQJ FRQVLGHU WKLV scenario: letâ&#x20AC;&#x2122;s say that your IDPLO\ VDYHV D GD\ RU DSSUR[LPDWHO\ D \HDU in an RESP. The federal government will give you a PLQLPXP RI SHU FHQW RU LQ JUDQW PRQH\ <RX FDQ keep contributing until your child is ready to use the money
TXDOLI\ WKH JRYHUQPHQW ZLOO deposit another $100 a year until WKH FKLOG UHDFKHV XS WR D PD[LPXP RI The earlier Maria and Carlos start saving for a post-secondary HGXFDWLRQ IRU WKHLU GDXJKWHU WKH more affordable that education becomes. The CLB is a great way for them to get the ball rolling. The CLB is administered by Human Resources and Skills Development Canada. More information is available RQOLQH DW &DQ/HDUQ FD E\ FDOOLQJ toll-free 1-800-O-Canada (1800-622-6232) or visiting your nearest Service Canada Centre. www.newscanada.com
for their education after high school. At $2 a day for 17 years the total amount in your childâ&#x20AC;&#x2122;s RESP can grow to well over More information about these government grants is available online at CanLearn. FD E\ FDOOLQJ WROO IUHH DW 1-800-O-Canada (1-800-6226232) or visiting your nearest Service Canada Centre. www.newscanada.com
Grow your post-secondary education savings with an RESP! The Canadian Scholarship Trust Plan provides: Principal protection Tax-free growth Access up to $7,200 of government grants To learn more, contact: Theresa Busse Branch Manager CST Consultants Inc. Branch 567, at (306) 948-2445, or theresa.busse@cstresp.com The CST Plan is sold by prospectus. Investors should read the prospectus before making an investment decision because it includes important detailed information. You can get copies of the prospectus from www.cst.org.
8
BIGGAR INDEPENDENT
More and more men and women are choosing to delay their retirement, a decision that has both economic and social benefits.
Delaying retirement has financial, social benefits
MONDAY, JANUARY 30, 2012
T
he need to save for retirement is something professionals start hearing about from the moment they begin their careers. Whether itâ&#x20AC;&#x2122;s parents extolling the virtues of retirement plans or employers who encourage their employees to take advantage of their retirement SURJUDPV VDYLQJ IRU retirement is never far from the minds of professionals. As important as such VDYLQJV FDQ EH PDQ\ workers are deciding to delay their retirements. As much as men and women envision retiring to a faraway seaside villa for WKHLU JROGHQ \HDUV VXFK retirements are not terribly FRPPRQ DQG PDQ\ ROGHU workers have begun to recognize the economic DQG VRFLDO EHQHĂ&#x20AC;WV RI delaying retirement. Those undecided about when they want to say goodbye to the RIĂ&#x20AC;FH VKRXOG FRQVLGHU WKH IROORZLQJ EHQHĂ&#x20AC;WV WR GHOD\LQJ retirement. Â&#x2021; )HZHU \HDUV WR ZRUU\ DERXW Ă&#x20AC;QDQFLQJ \RXU OLIHVW\OH Thanks to advancements in medicine and more and more people OLYLQJ KHDOWKLHU OLIHVW\OHV men and women are now living longer than in years SDVW :KLOH OLYLQJ ORQJHU
KHDOWKLHU OLYHV LV D SOXV it does have an effect on retirement. Because people can now expect WR OLYH ORQJHU WKH\ PXVW ensure their money lasts long enough. By delaying UHWLUHPHQW PHQ DQG ZRPHQ will have fewer retirement \HDUV WR Ă&#x20AC;QDQFH Â&#x2021; 0RUH FKDQFHV WR VDYH PRQH\ It might be your GUHDP WR UHWLUH HDUO\ EXW you could be doing yourself a great disservice by ending your career prematurely. Men and women at or near the end of their careers are often making more money WKDQ WKH\ HYHU KDYH ZKLFK enables them to save more WKDQ WKH\ KDYH LQ WKH SDVW especially if children are full grown and supporting themselves. Take advantage RI WKHVH KLJK VDODU\ \HDUV even if it means working an H[WUD IHZ \HDUV ,I \RX GR when you retire you could have substantially more in savings than you would have had you retired early. Â&#x2021; 6WD\ VRFLDOO\ DFWLYH In addition to economic EHQHĂ&#x20AC;WV GHOD\LQJ UHWLUHPHQW KDV VRFLDO EHQHĂ&#x20AC;WV DV ZHOO Many people get the bulk of their social interaction with colleagues and coworkers. When men and women UHWLUH WKHVH RSSRUWXQLWLHV for social interaction can GZLQGOH UDWKHU TXLFNO\
and itâ&#x20AC;&#x2122;s not uncommon for retirees to battle feelings of isolation. Delaying retirement allows you to easily maintain contact with IULHQGV DQG FROOHDJXHV DQG can lead to a better quality of life. Â&#x2021; 7KH FKDQFH WR JLYH EDFN Many older professionals view retirement as being put RXW WR SDVWXUH ZKHUH WKHLU years or experience arenâ&#x20AC;&#x2122;t XWLOL]HG +RZHYHU LQGLYLGXDOV who delay retirement can use their extra years around WKH RIĂ&#x20AC;FH DV DQ RSSRUWXQLW\ to leave a legacy for the next generation. This is something professionals Ă&#x20AC;QG HVSHFLDOO\ YDOXDEOH as their retirement draws nearer and they want to OHDYH D ODVWLQJ PDUN EH LW RQ WKHLU FRPSDQ\ ZLWKLQ their industry or in the community in which their company operates. Delaying retirement provides more WLPH WR EXLOG WKLV OHJDF\ DQG can create a greater sense RI IXOĂ&#x20AC;OOPHQW ZKHQ PHQ DQG women do decide to retire. Delaying retirement is growing increasingly popular. Men and women often see it as a chance to build a bigger nest egg and leave a more lasting legacy within their company and community.
Will you have enough to retire?
SynergyÂŽ Itâ&#x20AC;&#x2122;s changing the way Canadians talk about insurance. Itâ&#x20AC;&#x2122;s a life insurance policy, a disability insurance policy and a critical illness insurance policy all rolled into one easy-to-manage, affordable solution. For more information, contact your advisor or see for yourself at: www.manulifesynergy.ca
Call one of our Investment Specialists 948-3352
Kevin Kurulak, Wealth Consultant Credential Financial Strategies Inc. Insert Main name and address information 304 St., Biggar, Sask.here. t 306.948.5211; f 306.948.5298 email: kkurulak@credential.com
RRSP Deadline: February 29, 2012 Synergy is a registered trademark of Manulife Financial (The Manufacturers Life Insurance Company). Manulife Manulife, Manulife Financial, the Manulife Financial For Your Future logo, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.
Your insurance contract will provide details of the coverage under the plan you shoose. Restrictions may apply. Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering Ă&#x20AC;nancial planning, life insurance and investments to members of credit unions and their comunities.
BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
Avoiding financial woes from a health condition
insurance. Plans may cover between 60 to 80 percent of your salary, There are many proand bene¿ts may extend grams available that for a certain period of time offer disability insurance depending on the policy. payments in addition to Many offer options for what may be provided long-term disability, shortby a federal program or term through your own medical disability, and even insurance. plans that cover speci¿c Many companies offer illnesses, such as cancer. supplemental disability
Supplemental insurance:
Insurance plans are available for a group rate through an employer or can be purchased as individual plans. Keep in mind that some insurance companies require a grace period, meaning that the plan must be in effect for 6 months to a year before payout due to an injury or illness will take effect.
304 Main Street, Biggar Phone 948-2204 or 948-3886 www.biggarins.saskbrokers.com
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hose who are not self-made billionaires or bene¿ciaries of another’s vast fortune rely on their paychecks to stay aÀoat. Should that steady source of income be removed due to an illness or injury, it may not be long before a ¿nancial crisis ensues. For many workers, a salary and health insurance come hand in hand. Although companies vary in their policies for disabled workers, in certain instances a salary will no longer be paid or it will be reduced signi¿cantly should a medical condition inhibit a person’s ability to work. Health insurance may continue or be terminated, depending on the policy of the company. Although no one foresees getting sick or hurt, having a plan in place can mean the difference between depleting bank accounts or riding out the disability until you’re able to return to work. One-third of all Americans between the ages 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers. On average, one in three Canadians will become disabled for more than three consecutive months before retirement, says CanEquity. Consider these ideas to fend off a ¿nancial ruin during a period of disability.
Emergency fund:
The bene¿ts of an emergency fund have been touted time and time again. An emergency savings account can be tapped should a person face extended unemployment due to a disability. Experts vary with their advice regarding an amount to have in an emergency fund. Some advise around 4 to 6 months of living expenses, while others say 8 months to a year’s worth of expenses. If you’re already struggling to save, it may be adviseable to keep as much as you can manage in an emergency account that can be accessed at a moment’s notice. That means not having it locked in a certi¿cate of deposit (CD) or another account that may impose a penalty for early withdrawal.
• • • • •
Notary Publics Home & Agro Insurance Auto & Commercial Insurance Health Insurance Motor Licence Issuer Office Hours… 9 a.m. to 5 p.m., Monday to Friday
There’s more to protecting your savings than making sure all your investment eggs aren’t in the same basket. Physical and financial health goes hand- in-hand. Help with everyday tasks due to a serious illness or injury can incur unexpected costs: x
Personal care and long term care provided by professional services or family
x
Travel costs ( hotel, gas ) if treatment is not available locally
x
Lost income above what your disability plan pays
Protect your investments from ill-health with Long Term Care Insurance. LTCI can provide: x
Weekly benefit of up to $2000 paid out as income, not reimbursement.
x
Option of unlimited benefit period so there’s no worry that the money will run out.
x
Inflation protection options with no cap on increases and compound accumulation. Kevin Kurulak Kevin Kurulak, Wealth Consultant
Wealth Consultant | Insurance Specialist Your insurance contract will provide details of the coverage Credential Financial Strategies Credential Asset Management Inc. | Credential Financial StrategiesInc. Inc. available under the plan you choose. Restrictions may t.306 948 5211 ~ f.306 948Main 5298St., ~ c.306 948 Sask. 7131 304 Biggar, apply. Credential Financial Strategies Inc. is a member company under Credential Financial Inc., offering Ànancial 302 Main Street t Box 670 ~ Biggar f~ Saskatchewan 306.948.5211; 306.948.5298 planning, life insurance and investments to members of email: kkurulak@credential.com credit unions and their communities.
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BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
Simple means to saving money Continued from page 6 items and, as a result, mark them down heavily. The items will still be wearable next season, and you will have saved a lot of money without doing much work. Contact your credit card provider. Credit card holders in good standing almost always have the means to saving money at their disposal. Thatâ&#x20AC;&#x2122;s because the credit card company will likely be willing to lower your interest rate if you are a customer in good standing. Lowering the interest rate can save card holders signiÂżcant amounts of money, but itâ&#x20AC;&#x2122;s still ideal for card holders to pay off their balances each month and avoid interest accruing in the Âżrst place. When speaking with a representative of your credit card company, discuss any additional beneÂżts the company might provide. For example, some cards have an incentive program that provides cash back on qualifying purchases, which might include groceries or airline tickets. If your card offers such incentives, take full advantage of them, just be sure to pay off the balance in full each month.
Pay extra each month on loans. If paying extra money each month sounds like an odd way to save money, keep in mind that paying ahead on loans can substantially reduce the amount of interest that accrues over the course of the loan. Some loan agreements include prepayment penalties that actually penalize customers for paying ahead. But if the loan agreement has no such penalties, sending a little extra each month reduces the loanâ&#x20AC;&#x2122;s principle faster, meaning borrowers will pay less in interest and pay off their loans faster.
The basics of estate planning
Saving money is something many people insist they will start doing tomorrow. But itâ&#x20AC;&#x2122;s the little changes you make today that can add up to signiÂżcant savings down the road.
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LWK UHJDUGV WR Ă&#x20AC;QDQFHV WKH future is a big part of many SHRSOHŇ&#x2039;V Ă&#x20AC;QDQFLDO SODQQLQJ efforts. Be it the kidsâ&#x20AC;&#x2122; college tuition or the day ZKHQ UHWLUHPHQW Ă&#x20AC;QDOO\ DUULYHV Ă&#x20AC;QDQFLDO planning is all about the future.
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Though college and retirement funds JDUQHU WKH PRVW DWWHQWLRQ PHQ DQG women must also make time for estate planning. Estate planning is the process of arranging for the disposal of an estate and is done to help minimize uncertainty upon an individualâ&#x20AC;&#x2122;s death. This planning also reduce taxes and additional expenses that might arise if a person passes away without having left a will or another means of disposing of his or her estate. Regardless of the size of an individualâ&#x20AC;&#x2122;s HVWDWH WKHUHŇ&#x2039;V QR UHDVRQ QRW WR KDYH DQ estate plan in place. The following are VRPH RI WKH EDVLFV RI HVWDWH SODQQLQJ which should be a priority for men and ZRPHQ \RXQJ DQG ROG
Not all GICs are created equal. A Manulife Investments GIC (Guaranteed Interest Contract) offers you more. Enjoy the strength and stability of a trusted insurance company, the ability to pass on money tax-free to beneďŹ ciaries, plus a very competitive rate in todayâ&#x20AC;&#x2122;s market. ASK ME ABOUT A MANULIFE INVESTMENTS GIC.
Todd Hawkins Life Insurance Agent 222 Main Street, Biggar, SK S0K 0M0 Phone: 306 948 5377 email: thawkins@twhfinancial.ca
The Manufacturers Life Insurance Company is the issuer of the Manulife Investments Guaranteed Interest Contract (GIC). Manulife, Manulife Investments, the Manulife Investments For Your Future logo, and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its afďŹ liates under license. TMK1084E 02/11
Sponsored in part by:
strong reliable trustworthy forward-thinking
More than just a will An estate plan is more than just a will. 7KRXJK DQ XS WR GDWH DQG VSHFLĂ&#x20AC;F ZLOO LV an important element of a good estate SODQ WKHUH DUH RWKHU HOHPHQWV DV ZHOO ,Q DGGLWLRQ WR D ZLOO DQ HVWDWH SODQ VKRXOG DVVLJQ SRZHU RI DWWRUQH\ ZKLFK JLYHV D person of an individualâ&#x20AC;&#x2122;s choosing the right WR PDQDJH WKDW LQGLYLGXDOŇ&#x2039;V Ă&#x20AC;QDQFLDO DIIDLUV if they are unable to do so themselves. Power of attorney should be assigned in WKH FDVH RI D SHUVRQŇ&#x2039;V GHDWK EXW DOVR LI an unforeseen medical issue arises and a person is no longer capable of managing their affairs. There are two types of power of attorney that are essential to know when estate planning. Springing power of attorney goes into effect when circumstances that the LQGLYLGXDO VSHFLĂ&#x20AC;HG VXFK DV LQFDSDFLWDWLRQ RFFXU ,Q RUGHU IRU WKLV WR JR LQWR HIIHFW WKH agent designated must typically produce proof of an individualâ&#x20AC;&#x2122;s incapacitation. Durable power of attorney goes into effect immediately and the agent does not need to prove incapacitation. When choosing DQ DJHQW WR DVVXPH SRZHU RI DWWRUQH\ individuals need to make this decision ZLVHO\ FKRRVLQJ VRPHRQH WKH\ WUXVW ZKR can competently manage their affairs.
Assessing your assets $VVHWV LQFOXGH D KRVW RI WKLQJV IURP investment accounts to real estate to retirement savings. Individuals must take careful inventory of all of their assets and determine to whom these assets should go if they die or who should gain control of them if individuals become incapacitated. This means leaving no stone unturned. ,I WKHUH DUH DQ\ TXHVWLRQV DERXW VSHFLĂ&#x20AC;F DVVHWV WKHQ OHJDO ZUDQJOLQJ RU HYHQ government taxation upon these assets is likely to take place.
Understanding trusts Many people hear the word trust DVVRFLDWHG ZLWK Ă&#x20AC;QDQFLDO GHDOLQJV DQG immediately assume it only applies to the wealthy. Nothing could be further from the truth. A trust enables men and women to put conditions on the distribution of their DVVHWV XSRQ WKHLU GHDWK LQFOXGLQJ ZKHQ and how these assets will be distributed. ,Q DGGLWLRQ D WUXVW PLJKW MXVW SURWHFW WKHVH assets from creditors or lawsuits and help DQ\ KHLUV DYRLG SUREDWH FRXUW ZKLFK FDQ be a costly and tedious process. Though WUXVWV DUHQŇ&#x2039;W QHFHVVDULO\ IRU HYHU\RQH WKH\ also arenâ&#x20AC;&#x2122;t exclusive to the very wealthy.
Allocation of assets Many people make the mistake of leaving all of their assets to their spouses upon WKHLU GHDWKV :KLOH WKLV LV ZHOO LQWHQWLRQHG it doesnâ&#x20AC;&#x2122;t always work out best for men and women with children. Individuals can leave an unlimited amount of money WR WKHLU VSRXVH XSRQ WKHLU GHDWK DQG WKDW PRQH\ FDQQRW EH WD[HG +RZHYHU ZKHQ WKH VXUYLYLQJ VSRXVH GLHV LI KH RU she leaves that money to their surviving FKLOGUHQ WKHQ WKH\ DUH OLNHO\ JRLQJ WR SD\ VLJQLĂ&#x20AC;FDQWO\ PRUH LQ HVWDWH WD[ ,Q DGGLWLRQ ZKHQ GHFLGLQJ WR VLPSO\ OHDYH DOO DVVHWV WR D VXUYLYLQJ VSRXVH WKLV LV LQ D VHQVH OHDYLQJ WKH GLIĂ&#x20AC;FXOW GHFLVLRQ RI asset allocation to the surviving spouse. :KDWŇ&#x2039;V PRUH VKRXOG ERWK KXVEDQG DQG wife pass away in an accident at the same WLPH DQG DOO DVVHWV ZHUH OHIW WR D VSRXVH WKLV FDQ PDNH LW YHU\ GLIĂ&#x20AC;FXOW FRQWHQWLRXV and costly for surviving family members to divide up any assets left behind. Estate planning is something few people will embrace with open arms. But as PRUELG DV HVWDWH SODQQLQJ PLJKW VHHP itâ&#x20AC;&#x2122;s a necessary step for adults who want to secure their own futures should they become incapacitated or the futures of their loved ones when individuals pass away.
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BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
Plan ahead to survive the next recession The economy is still reeling from the recession, and the question of when the global economyâ&#x20AC;&#x2122;s struggles will end remains a mystery. On thing we do know is that when the economy does Âżnally rebound, it wonâ&#x20AC;&#x2122;t remain stable forever, and itâ&#x20AC;&#x2122;s imperative that men and women prepare for the next recession, even if that preparation begins before the current recession ends. The up-and-down nature of the economy has made it difÂżcult to plan for tomorrow, let alone years down the road. However, there are steps people can take to protect themselves from the next recession.
some freelance work on weekends or weeknights. Even if the amount you earn is relatively small, it can be added to your savings and should you Âżnd yourself out of work, this extra income softens the blow. Cut back on monthly expenses. Everyone has monthly expenses they insist they cannot live without. Premium cable channels or monthly trips to the salon might seem like must-haves, but theyâ&#x20AC;&#x2122;re really not. If your savings are especially low or your debt is especially high, cut back on unnecessary expenses until your savings has grown signiÂżcantly or your debt has been eliminated.
Expect a recession every few years. One of the best things men and women can do when preparing for a recession is to understand that recession is normal and will likely occur every few years. When the current recession ends, recognize that another one might be right around the corner. Understanding the nature of a recession helps men and women control their Âżnances and be better suited to handle it when it makes its inevitable return. Reduce debt. Debt is an albatross regardless of what state the economy is in, but carrying signiÂżcant debt during a recession is like playing with Âżre. During the current recession, many workers lost their jobs, and even those who didnâ&#x20AC;&#x2122;t might not be so lucky when the next recession arrives. Paying down debts now improves Âżnancial Ă&#x20AC;exibility down the road, and that Ă&#x20AC;exibility could make the difference if the next recession arrives and you Âżnd yourself out of work. If you carry substantial debt on a credit card, contact the company and discuss reducing your rates or even transferring the debt to a different card with lower rates.
Save, save, save. Individuals should have an emergency fund set aside for surviving a recession should they Âżnd themselves suddenly out of work. One of the more astonishing things about the current recession was how quickly many peopleâ&#x20AC;&#x2122;s cash supplies dried up. An emergency fund should be enough to pay your bills for at least six months and as much as a year, if not more. Conventional wisdom used to suggest men and women have enough saved to get by for anywhere from three to six months. However, the job market remains so difÂżcult that people can toss that conventional wisdom aside and save more. This might sound simple, but saving has apparently fallen by the wayside. A 2011 poll from the National Foundation for Credit Counseling found that 64 percent would ned to utilize a source other than their savings account to pay for a $1,000 unplanned expense. This illustrates that many simply arenâ&#x20AC;&#x2122;t saving enough. Start now, even if contributions are small, and donâ&#x20AC;&#x2122;t stop saving. Diversify. DiversiÂżcation is a good investment strategy, but itâ&#x20AC;&#x2122;s also effective as a professional strategy. With regard to your portfolio, balance your assets and make sure all of your eggs are not in the same basket. With regard to income, examine new ways to make money. Diversify your income by doing
Call me to Ă&#x20AC;nd out more about how The Planâ&#x201E;˘ can help you prosper now â&#x20AC;Ś and over time. JIM VANCHA, PAg Consultant 306.948.4393 jim.vancha@investorsgroup.com
Questions or Concerns? Just contact your local Re/Max agent for all your Real Estate needs.
Saskatoon/Biggar Licensed forâ&#x20AC;Ś â&#x20AC;˘ Residential â&#x20AC;˘ Acreage â&#x20AC;˘ Farm
Duane Neufeldt
www.duaneneufeldt.com
948-8055
The sign you want. The agent you need.
Learn the basics of home warranties Buying a home is arguably one of the largest purchases a person will make. It can also be one of the most stressful. Individuals UBLF RVJUF B mOBODJBM leap when buying a home. Even after careful consideration of funds and budgeting, itâ&#x20AC;&#x2122;s easy to become overextended. A home warranty can take some of the bite out of unexpected expenses. Although home buyers are urged to hire an inspector and check a property and structure from top to bottom before signing on the dotted line, a home inspector cannot foresee everything that may crop up after a person moves into a home. â&#x20AC;&#x153;When my home inspector reviewed the property he found only minor things that
needed attention,â&#x20AC;? says Jeannine in New Jersey. â&#x20AC;&#x153;After I moved in, we shortly learned that the crawl space IBE nPPEJOH JTTVFT UIBU would require a lot of NPOFZ UP mY QSPQFSMZ w Home warranties can be a smart investment that take some of the mOBODJBM QSFTTVSF PGG PG new homeowners. They can also be negotiated into the sale terms of the home so that the seller is responsible for providing the warranty to the new buyer. Home warranties do not negate the need for homeownerâ&#x20AC;&#x2122;s insurance, but they can add protection against large monetary payouts to repair many items around the house. Policies may differ as to TQFDJmD DPWFSBHF CVU most home warranties will cover major systems of the home, such
as heating/cooling, plumbing, electrical, as well as certain appliances. To decide if a warranty is the right investment, home buyers should consider the following: Â&#x2021; +RPH ZDUUDQWLHV DUH only as good as the company backing them. Careful investigation into the trustworthiness of the warranty company and its track record should be completed. Â&#x2021; 5HDG WKH Ă&#x20AC;QH SULQW of the warranty. Learn ZKDW H[FOXVLRQV H[LVW which may not make the warranty practical. Â&#x2021; .HHS LQ PLQG WKDW the warranty company reserves the right to determine if a repair or replacement is adequate in a claim situation. Â&#x2021; ,Q JHQHUDO ZDUUDQW\ companies work with their own set of contractors. This means
a homeowner may not be able to hire his or her own preferred contractors to do work. Â&#x2021; 7KHUH PD\ EH D deductible or a fee charged prior to having a technician assess a repair situation. Â&#x2021; 7KH ZDUUDQW\ FRPSDQ\ may require inspection of the house to be sure items are in good working order before offering a plan. Â&#x2021; ,I D ZDUUDQW\ LV offered through a home VHOOHU WKHUH PD\ EH no negotiation on the coverage or company used. Home buyers should keep in mind that there are many unforseen expenses that can arise when purchasing a new home. Having some DGGLWLRQDO SURWHFWLRQ such as a home ZDUUDQW\ FRXOG PHDQ saving money on out-ofpocket repairs.
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BIGGAR INDEPENDENT
MONDAY, JANUARY 30, 2012
Finding the right bank for personal banking When searching for a bank to GR WKHLU SHUVRQDO EDQNLQJ PDQ\ SHRSOH Ă&#x20AC;QG EDQNV DUHQŇ&#x2039;W DOO WKDW different from one another. Banks RIIHU VLPLODU VHUYLFHV DQG PDQ\ have similar rules and regulations with regards to opening a personal account. 7KRXJK EDQNV PLJKW EH VLPLODU WKH individuals who open accounts are anything but. And when it comes to Ă&#x20AC;QGLQJ WKH ULJKW Ă&#x20AC;W WR IRU SHUVRQDO EDQNLQJ PHQ DQG ZRPHQ VKRXOG consider whatâ&#x20AC;&#x2122;s most important to them before opening a new account.
ATM Accessibility 1R RQH HQMR\V SD\LQJ $70 IHHV and some people are more adept at avoiding them than others. If those fees have been catching XS ZLWK \RX ORRN IRU D EDQN ZLWK branches or ATMs located near \RXU KRPH DQG \RXU RIĂ&#x20AC;FH WKH WZR places you likely spend the most WLPH 1RZDGD\V $70 IHHV FDQ EH as much as $2 when using another EDQNŇ&#x2039;V PDFKLQH DQG \RXU RZQ bank might also be charging you an additional $2 on top of that. If \RX UDUHO\ XVH DQRWKHU EDQNŇ&#x2039;V $70 then ATM accessibility shouldnâ&#x20AC;&#x2122;t LQĂ XHQFH \RXU GHFLVLRQ WRR PXFK But if you are routinely spending WR DFFHVV \RXU RZQ PRQH\ HPSKDVL]H Ă&#x20AC;QGLQJ D EDQN ZLWK PRUH accessible ATMs.
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Technology 1RZDGD\V PDQ\ SHRSOH JR PRQWKV if not years without ever stepping inside an actual bank. Online banking has made it easier than HYHU EHIRUH WR WUDFN VSHQGLQJ PRYH around various accounts and pay bills. If online banking is especially LPSRUWDQW WR \RX Ă&#x20AC;QG D EDQN WKDW makes it easy to do your banking via the Web. Some banks charge for WKHLU RQOLQH ELOO SD\ VHUYLFHV ZKLOH others donâ&#x20AC;&#x2122;t. Another thing to consider is whether or not a bank has an app for your phone. If you are an on-the-go professional who uses a mobile GHYLFH WR GR \RXU EDQNLQJ WKHQ \RX ZLOO ZDQW D EDQN ZLWK D UHOLDEOH secure and proven app for your phone. Some banks have been slower to embrace this particular IRUP RI EDQNLQJ WKDQ RWKHUV VR GR your research into banking apps.
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3. Access to the latest technology, products and services. 4. As a member you are an owner. 5. Members elect Board Members who control the direction of the credit union. 6. Funds in Saskatchewan Credit Union are fully guaranteed (100%) . ProÂĽts are paid back to the members. 8. Help is always just a phone call away ... or a â&#x20AC;&#x2DC;clickâ&#x20AC;&#x2122; away if you are on the website at www.biggarcu.com . 0he community beneÂĽts from the credit unionâ&#x20AC;&#x2122;s success. (ast year alone, over $102,000 was given to the communities of Biggar and Perdue in the form of donations, sponsorships, and scholarships. 10. Our staff gives back to the communities we serve by volunteering their own time. In 2011, staff logged over 2,100 volunteer hours.