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Vice President, Financial Advisor (519) s88â€"cesa inmxes-afeweentgtaxpayersmmlmgerwfllingwspmd. Teachers deal with children who come to school to be babysat, not to learn. Elaine Gross, the Chair of the Board, went on about the total budget being less than last year. Well, it should be and even less than what was approved. Education is a significant investment, probably the most imporâ€" tant we make as individuals or society. I really do stress the importaneeofedumfionwhfleamningflmtweneedtospendsig- nificantly less on it. We need to spend more effectively but that willmlybepoemblewhent.bere’sachangeinatfitudeinsodety. First, we need to have expectations from our own children that they will use their time and effort to add value to their own lives. I recall reading an article in one of the academic journals in which it was pointed out that immigrant children do well in school because they end up teaching their parents at home as the parents take a strong interest in what has been done and learned The Waterloo County Board of Education needs lessons on proper management. Last week, John Hendry of Waterloo was critical of the rush to get the budget passed. That is a tactic used by administrations to get their own preferences through an elected body. The elected body does not have time to consider the oonaequemesoffl;eiractiomandthebureauu'atsendupwith more control than those elected. We must thank our representaâ€" tive, Jane Ann McLachlan for saying the tax increase was too much. It was said that money was necessary to provide provincially mandated programs. The present provincial government has been passing legislation which is very expensive. Programs like sexual harassment officers, employment equity officers and junior kindergarten do not add to the wellâ€"being of our children who are being educated. In many instances, they are makeâ€"work projects which support bureaucrats in Toronto who have to have reports to file and budgets to spend. The most expensive way to administer such programs is to hire someone to fill out the paperwork. Volunâ€" teers can police sexual harassment for instance but the paperâ€" work is what takes the time and employment. Education in Canada is extremely expensive per pupil trained and the results are not that good. A colleague of mine recently had a sabbatical in England and his children attended school there. His report was that the facilities were not great â€" he talked of the use of the halls and the crowded classrooms. Howâ€" ever, he also talked about the wonderful rapport with the teachâ€" ers and the amount of caring and learning that transpired. hstyearwhenlwasin'l‘rinidad,lobservedsomeprettynm- down schools but came in contact with students who were inspimdtolmm‘lhavedealtwithapmfessorfi-omChiminmy EcmomiesofEdueafimdasswhoreportedonflwverypoorfacfli- ties and the wonderful desire to learn amongst the pupils. Ica:mmfidnflxeteacheninfl'fiaeue.NoreanIreal]ycfifi- dzethoaeintheEdumtionCenh'e.flwythinktheyareddngme best they can. However, they do not understand budgeting and they do not look at what the ultimate product really is. They (the Education Centre employees) get more concerned with the jobs of colleagues with whom they work daily than they do about the votâ€" erswlnfl\eyufinkmonlygoingtospuflafewcex_z_tsadaym We must get more for our education buck Do you have Dividend income can be a valuable way for investors to keep more of their investment returns. Top tax rates for Ontario residents on Canadian dividends are 35.9% vs. 53.2% on interest. Preferred shares of the major Canadian banks offer dividend income with higher afterâ€" A weekly series from Brian Vickers, (Continued on page 16) your money wisely? Write to Brian Vickers c/o W aterioo Chronicle, 75 King S1. S Lntesbomaincotinis idbidhinedudbatineiidhninatiiecindhudraniiea dbwe Her research also led her to believe that, rather than open in Kitchener, it would make more sense to open a business in Waterloo. There was very little that attracted her to the Kitchener downtown core when comparing it to the Uptown Waterloo. Although this is her first year of operation in Waterâ€" loo, for the past three years the Mills have run a booth every weekend at the Kitchener‘s Farmers‘ Market. Past Easters have been profitable at the market and although she doesn‘t expect to make her fortune overnight through Easter sales, she anticipates the sweet smell of success in this business. However, when a restructuring shuffle at the Royal Bank left her unemployed, Mills found herself with time on her hands and an urge to go into business on her own. "I did a market research and discovered that even during recessionary times, people still bought chocoâ€" late treats. It didn‘t matter how bad the economy was, people still liked to treat themselves." _ Mills‘ first attempt at making chocolate candy came three years ago during a parent fund raiser to help raise money to send scouts to a Jamboree in Alberta. "I didn‘t know anything about chocolate other than eating it," said Mills. "I found that making the eggs and bunnies for the scouts was a great stress reliever, especially after work." Her items range from small bunâ€" nies and eggs ranging from 50 cents to $3, to larger items costing $10 and up. She also makes sugar free chocolate, using the sugar subâ€" stitute Maltitol. People walking along King Street in Uptown Waterloo can watch Carol Mills, owner of Carol‘s Chocolates, manufacturing chocoâ€" late bunnies, eggs and hundreds of other items through the window of her store at 22 King St S. And during the past few weeks, Mills has had to be quick as a bunny stocking her shelves and getting her custom orders ready for the upcoming Easter holiday weekâ€" end, which, next to Christmas, is her busiest time of the year. Not only does she sell her chocoâ€" late items in her 375 squareâ€"foot location, she also melts the chocoâ€" late, pours it into any of her 500 molds, and packages her goods in individual boxes or gift baskets. The only thing she doesn‘t make on site are the truffles, something which, because of the creamy cenâ€" tres, she finds easier to handle at Judy Reidel and Karen Ko;v;f;l;x coâ€"owners of w the corner, area gift and candy stores are stocking up the shelves with everything from chocolate bunnies and stuffed toys, to jellies and jams and speâ€" cialty teas. Chronicle Staff Sweet success Business is hopping for Easter ith Easter just around tax yields than bonds and GICs but without the risks usually associated with common stocks. The effective yield is 1.37 times the equivalent yield on bonds, so the 7% yields currently available on preferred shares is equivalent to over 9.5% of interest income from a bond or GIC. Midland Walwyn. 1y * BLUE CHIP THINKING is a trademnark Box 1000, Waterioo, Ontane NZ) 1P? of Midland Walwyn Capital inc Carol Mills, of Carols Chocolates, is stocking her shelves with items for this Easter. WATERLOO CHRONICLE, WEDNESDAY, APRIL 5, 1995 â€" PAGE 15 The Goodie Basket lives up to its name at Easter. with speciality items for children such as baskets with little stuffed animals, finger paint, and, of course, a bit of chocolate. They also sell Teddy Bears disguised as bunnies, windâ€"up chicks, jellies and jams. "We find that you can take your creativity in any direction," Ellis said. "You can target anybody " Reidel added that the prices of her baskets vary with what the customer chooses to select. However, for those who enjoy the traditional chocolate Easter candy, they also carry a full range of Reid‘s Chocoâ€" lates, from bunnies to cream eggs. Nancy Ellis, owner of The Goodie Basket. 62 Laurel St. in Waterloo, has seen a blip in sales for Easter. but with Secretary‘s Day two weeks after Easter followed by Mother‘s Day on May 14, this is turning out to be a good period for sales. "We cater to the alternative Easter shopper who doesn‘t want to buy chocolate," said Ellis. "One of the items we sell is the gardeners basket, complete with tools, muscle relaxing soap and varnous tea seeds to be grown right in the pot," said Reidel The business, which opened last fall, not only caters to people with a sweet tooth. but it also carmes a range of goods from jams and teas to soaps. creams and gardening tools. Blessings at 55 Erb Street, agree that next to Chnstâ€" mas, Easter is the biggest time of the vear when it comes to sales. e _1 CÂ¥ fi] § * 20 Erb St. W. FH: MIDLAND WALWYN 20 Erb St. W., Suite 100 5 King Street North, Suite 4 wmmmm‘ Financial imite d talk toal