?PAGE 2 SECTION D FRIDAY, APRIL 5, 2013

communitycalendar

THE ENTERPRISE-BULLETIN To submit an item to Community Calendar, e-mail ian.adams@sun - media.ca, fax 444-6477, or drop it off to the E-B office at 77 Simcoe Street.

April

5, 6, 7 The Royal Canadian Legion, Branch 63 in Collingwood, Ont will be hosting the Royal Canadian Legion District "E" (Ontario Command) Spring Convention at 490 Ontario Street, Collingwood, Ont. Please join us Saturday, April 6th, 2013 for the parade 12:30 to 1:00 p.m. 6 The figure says it all -one insurance company reported that 48% of all claims in 2011 were related to water damage. A group of professionals are coming together to see that figure change. They are organising a one day event called The Home Owners Survival Guide to Water Damage, 10 a.m. to 4 p.m. The day will consist of short presentations from Simcoe Muskoka Health Unit, Intact Insurance, Royal LePage, Home Depot and Clearview Township. There will also be business present who deal with the different aspects of flooding. The group will be fund raising for Habitat for Humanity. Home Depot has kindly donated a shop vac which will be raffled off as a door prize. This is a free event. For more information go to www.nottawaonline.ca. THE CROODS ( G ) Sat. & Sun. 12:30 THE CROODS 3D ( G ) Fri. & Tue. 6:40 9:30 Sat. & Sun. 2:50 5:10 7:30 9:50 Mon. Wed. & Thu. 7:20 G.I. JOE: RETALIATION 3D No Passes ( PG ) Fri. & Tue. 7:10 9:50 Sat. & Sun. 1 4:30 7:10 9:50 Mon. 7:50 Wed. & Thu. 8 OZ THE GREAT AND POWERFUL ( PG ) Fri. & Tue. 6:50 9:50 Sat. & Sun. 12:40 3:50 6:50 9:50 Wed. 7:40 THE HOST ( PG ) Fri. & Tue. 7:20 10:10 Sat. & Sun. 1:20 4:10 7:20 10:10 Wed. & Thu. 7:50 THREE TAXTIPS FOR AGRICULTURAL FINANCES (NC)-Valuable tax preparation resources are available to communities across Ontario prepared by the Certified General Accountants of Ontario www.cga-ontario.org. Here are three tips pertaining supporting local farmers: * Tile drainage, clearing and leveling of farmland, as well as building an unpaved road, can be expensed in the year such payments are made or any portion carried forward to future years. However, land improvements on farmland rented out to another farmer/producer do not qualify for this deferral. * Alternative energy projects under Ontario's MicroFIT program have been deemed by the CRA not to be incidental farm income. Revenue and expenses related to solar and wind energy production under this program must be reported on a separate business schedule using the accrual basis of accounting. Income tax regulations relating to these can be complex so it is advisable to consult with a CGA for more details. * Because the CRA considers crop advances to be loans, in a better than average year, consider storing all or part of the crop and then taking an advance against it. This advance, which must be applied for early in the year, serves as an effective planning technique for farmers using the cash basis of accounting. www.newscanada.com 7 Twelve-step Christ-centred program for hurts, habits and hang-ups. Sunday evenings at 7 p.m. at Erie St Community Church, 200 Erie St.Collingwood. Everyone welcome. Call 705-445-4693. 8 The Georgian Bay British Car Club will meet at the Huron Club at Pine and 2nd St in Collingwood. If you like British sports cars come out to the meeting at 7 p.m. You can learn more about our club on our website at www.gbbcc.com 9 Meditation classes held every Tuesday, 7:00-8:30 pm at the Collingwood Public Library, in the Community Room (1st floor), 55 Ste Marie St. Collingwood. Weekly drop in classes on Buddhist thought and meditation. These classes help us to see things in perspective, overcome our frustration and worry, and gradually develop positive qualities. Tonight's class - "A Meaningful Life - Integrity...the pracitice of moral discipline". $10/class. For more information 7 0 5 - 7 3 3 - 5 2 5 5 www/meditateinbarrie.org. 10 Dance for Fun and Fitness, guest night for new dancers, 6:45 until 8 p.m. at Nottawasaga Hall, Duntroon. Modern Square Dancing is the perfect way to keep fit. Info: 705-445-3662, 705-445- 1703, or 705-445- 3234

Galaxy Cinemas Collingwood 6 Mountain Road T: 705-443-8478 Advance tickets available at Cineplex.com

EVIL DEAD No Passes ( 18A ) Fri. & Tue. 7:40 10 Sat. & Sun. 1:30 4:40 7:40 10 Mon. 8 Wed. & Thu. 8:10 JURASSIC PARK 3D No Passes ( NR ) Fri. & Tue. 7 10 Sat. & Sun. 12:50 4 7 10 Mon. Wed. & Thu. 7:30 EXHIBITION: MANET -- PORTRAYING LIFE ( NR ) Thu. 7:30 OLYMPUS HAS FALLEN ( 14A ) Fri. & Tue. 7:30 10:20 Sat. 1:10 4:20 7:30 10:20 Sun. 1:10 4:20 7:20 10:10 Mon. & Thu. 7:40 Wed. 8 Showtimes Valid Friday, 4/5 thru Thursday, 4/11 When should you start saving for your retirement? Start as early as age 25 if possible, even if it is only small amounts. When it comes to savings, the earlier you start, the more lucrative it becomes. As an example, let's compare two $20,000 RRSP investments with a 6% rate of return. The person who invested $1,000 every year for 20 years will end up having 40% more money in their RRSP than the person who waited 10 years before starting to save for their retire- 13 Come and enjoy 'The Torchmen Gospel Quartet' in concert at First Presbyterian Church, 200 Maple St. Doors open at 6:30pm. Concert from 7 until 9 pm. Free-will offering in support of the programs of The Door Youth Centre and Campus Life programs. The Grey Association for Better Planning Annual General Meeting at Centre Grey Recreational Complex, Markdale. 12:30 p.m. - Business; 2 p.m. - Guest Speaker, Andrew Martschenko on the topic of 'Traditional Subdivision Design: Opting for a Development Winwin-win'. www.gabp.ca Pot Blessing Supper and movie night, 'A Man Called Peter', First Baptist Church, corner of Third and Pine in Collingwood, starting at 5 p.m. Everyone welcome for an evening of fellowship. Free Chi Kung for Arthritis Workshop, Presented by Blue Mountain Energy Arts at Mountain Fitness, 1st St. & Hurontario, Collingwood, from 3 until 4 p.m. Chi Kung energy work boosts the endocrine, respiratory, cardiovascular and neuro-muscular systems, increases the body's innate healing capacities, and releases stress. This Chinese yoga can be adapted to fight many diseases and illnesses. This workshop will introduce exercise sets developed especially to counter arthritis. Arthritis sufferers, their supporters and professionals would benefit from participation. Pre- ment and then contributed $2,000 a year for 10 years. That is quite a difference! If it seems enormous to invest $1,000 per year in a RRSP at an age when you must reimburse student loans, pay a mortgage, and deal with the high cost of raising children, remember that this comes down to $20 a week and your total investment will generate advantageous fiscal deductions. One small suggestion: choose automatic weekly deductions from your bank account instead of just planning to register please. Contact Jim Richardson, MEd at 705-445-2613 or jrsoma@rogers.com. www.BlueMountainEnergyArts.com 16 Meditation classes held every Tuesday, 7:00-8:30 pm at the Collingwood Public Library, in the Community Room (1st floor), 55 Ste Marie St. Collingwood. Weekly drop in classes on Buddhist thought and meditation. These classes help us to see things in perspective, overcome our frustration and worry, and gradually develop positive qualities. Tonight's class - "A Meaningful Life - Accepting what is...the practice of patience". $10/class. For more information 705-733-5255 www/meditateinbarrie.org. 18 "What Judges Want: tips for Entering Flower Shows",- Edna Caldwell, experienced judge, offers advice for those wishing to participate in the flower shows in June and August. Collingwood Garden Club, Trinity United Church, 140 Maple St, April 18, 7pm. All welcome; membership or $3. Information: 705 445-7132. http://www.gardenontario.org/site.php/collingwood. 20 Spring Blossom Tea at Christ Church, Batteau, 11 a.m. until 1 p.m. Join us to celebrate spring with a silver service tea lunch for $6. Delicious homemade baking, preserves and Spring Blossom raffle tickets ($2 each, or three for $5). Christ Church is located on Batteaux Road, 2.5 km east of County Rd. 124 in Nottawa. Call 705-445-2225, or 705-445- 3949 for more info. Michael Burgess, with Sara-Dale Hartshorn of Collingwood, will perform a benefit concert for Collingwood General & Marine Hospital as a 'note of

You are never too young to start saving

GARDHOUSE

Financial Counsel

256 Sykes Street North Meaford, ON N4L 1H9 PH 519 538 5541

Tax Preparation Estate Planning Bookkeeping Personal Finance Prepared By AS OFSEPTEMBER 7, 2011 PREPARED BY

The Financial Centre of Collingwood

59 Hurontario 59 Hurontario Street, Collingwood, Street, On, Collingwood, L9Y 2L7 (705) On, 445-5628 L9Y 2L7 (800) 668-5628 (705) 445-5628 (800) 668-5628

MORTGAGE RATE SURVEY

Rates as of April 2, 2013 Company CLOSED / OPEN 6 Mo. 1 Yr. 3 Yr. 5 Yr. AGF TRUST CLOSED 4.650 3.040 3.240 3.490 BANK OF MONT M0RT CLOSED 4.000 3.000 3.550 5.140 OPEN 6.300 6.300 N/A N/A BANK OF NOVA SCOTIA CLOSED 4.550 3.750 3.990 4.990 OPEN 6.450 6.500 N/A N/A CIBC MORTGAGE CORP CLOSED 4.450 3.000 3.550 5.140 OPEN 6.700 6.350 N/A N/A CAN WESTERN TRUST (AB/BC) CLOSED 4.000 3.000 3.550 5.140 EFFORT TRUST CLOSED 4.450 3.250 3.900 4.950 OPEN 6.300 6.300 N/A N/A EQUITABLE TRUST CLOSED N/A 3.000 3.550 5.140 OPEN 6.300 6.300 N/A N/A HSBC BANK CLOSED 4.450 3.600 4.450 5.240 OPEN 6.200 6.350 N/A N/A HOME TRUST CLOSED 3.950 2.740 2.890 2.990 LAURENTIAN BANK CLOSED 4.400 3.090 3.550 5.140 OPEN 6.700 6.300 N/A N/A MERIDIAN CREDIT UNION CLOSED 4.450 3.100 3.700 3.190 NATIONAL BANK CLOSED 4.000 3.100 3.550 5.140 OPEN 6.700 6.300 N/A N/A PRESIDENT'S CHOICE CLOSED 6.040 3.140 3.240 3.440 ROYAL BANK CLOSED 4.000 3.000 3.550 5.140 OPEN 6.300 6.300 N/A N/A T.D. MORTGAGE CLOSED 4.000 3.000 3.550 5.140 SOURCE: CANNEX Financial Exchanges Ltd. Let us be your business advisors Serving South Georgian Bay since 1958 Collingwood - Owen Sound Meaford - Walkerton invest money in an RRSP when your personal finances are more solid! In fact, regularity is as important as an early start when it comes to a retirement savings strategy. In addition, if you are 35 or older and still haven't invested in an RRSP, it is never too late to start. It is time to set goals for your retirement and determine your financial requirements to realize them. It will motivate you to save sufficiently and regularly. Partners Sue Bragg, B.B.A, CA Ralph Neate, B.Sc., CA Janet Currie, B.A., CMA, CA, CFP 3rd Floor, 115 Hurontario Street, Collingwood 705-445-2020 www.gaviller.com Licensed Public Accountants Accounting & Audit - Personal & Corporate Taxation - Financial & Management Consulting thanks' for the health professionals who cared for Sound Investment conductor Brian Rae following a serious bike accident last summer. Tickets are $30 (includes a $15 tax receipt) and are available at the Collingwood General & Marine Hospital Foundation, and Chatterson Funeral Home. 22 Celebration of Life Memorial Service, 7:30 p.m. in the G&M Hospital Dining Room. Join us for a non-denominational service for caregivers, family & friends to celebrate the life of people who have passed on. RSVP Anne Anstey at (705) 445-2550, ext. 8201. Hosted by the CGMH's Pastoral Care Committee 28 First Baptist Church in Collingwood is hosting their monthly Hymn Sing, 7 p.m. Come out and enjoy an evening of music and fellowship.

May

4 Wasaga Artists Spring Show and Sale, from !0 a.m. until 4 p.m. at the RecPlex. Celebration of our 40th Anniversary. We will have members of our group showing their work: watercolours, acrylics, oils, woodcarving, photography, sculptures,mixed media, and pottery. We are inviting past members to participate in this show by visiting, showing their work in a guest gallery, or participating with current members. We will also have artists' demos ongoing during the day, refreshments, music, two free draws for paintings, as well as special guests. We would like to invite everyone to join us for the festivities. For information, please contact: Lynda Dies at 705- 429-3147

GETTING IN TOUCH

Managing Editor - Morgan Ian Adams 705-445-4611 ext. 225 e-mail: ian.adams@sunmedia.ca Display Advertising - Sue Bennett 705-445-4611 ext. 228 - Stuart Snelgrove 705-445-4611 ext. 221 - Kathryn Lang - Special Features 705-445-4611 ext. 234 Classified 1-866-541-6757 Circulation - April MacLean 705-445-4611 ext. 232 Pre-Press - Wayne Willis 705-797-4850 ext. 234 Accounts - Jennifer Booth 705-445-4611 ext. 224 General Notice The contents of this newspaper are protected by copyright and may be used only for personal non-commercial purposes. All other rights are reserved and commercial use is prohibited. To make any use of this material you must first obtain the permission of the owner of this copyright. For further information, contact Morgan Ian Adams at 705-445-4611 ext. 225.

Choose an accountant you can count on

As a client, you have the right to choose your accounting professional. When it's your portfolio that is being reviewed, it is important to deal with someone that is reliable and with whom you can discuss openly. Prior to hiring the services of a public accountant, you will need to do your homework. It's advisable that you start by defining your needs before you identify the type of financial advice you are looking for. What are your expectations? Do they mainly concern your income tax return or would you like to learn more about your RRSP, your life insurance, your will... To gain the maximum benefit from the services you require it's essential that you get well acquainted with the professional who will render his services. Be cautious, since it is relatively easy for anyone with only minimum training to claim that they are "accountants". These people may not have the required expertise to give you the best service and owing to their lack of professional liability insurance, they can't provide you with protection. In Canada, only three titles are recognized in accounting: * certified general accountant (CGA), chartered * accountant (CA) and certified management * accountant (CMA). As well, it would be in the best interest of anyone who is drawing any kind of revenue other than a salary, to enlist the services of a tax expert. You may also choose to purchase recognized fiscal planning software. This could be an interesting option for anyone wanting to get their finances in order while learning about the workings of taxation. However, don't expect the software to fully replace the financial advice of a professional.

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