WHITBY FREE PRESS, WEDNESDAY, JANUARY 22# 1075, PAGE 6 The Whitby YMCA is co- sponsoring, with the Whitby Library, a beginners knitting course this winter. The class will be taught by Mrs. Lorraine Fudge, a very talented knitter. Mrs. Fudge a very talented knitter. Mrs. Fudge has, for the past year, worked with the, Whitby YMCA teaching crochet with instructor Mrs. Dorothy Clairmont. Students of the knitting class wil learn to knit, puri and to read patterns. Articles to be made in the class will be slippers, toilet tissue cov- ers, hats, scarves, touques, tea cosys and berets. Classes will be eight weeks in duration starting February 13. Registration wil be limnited and pre-registration is set for February 6. For further information phone the Whitby YMCA at 668-6868. 'Fun After Four'. With Recreation Dept., and credi BUYING INSURANCE At some timne - or more likely two or three times in your life - you mnust sit down and think about your insurance needs. Lîfe insurance policies corne in three basic styles: term, whole life, endowment. Term insurance provides protection for a given period of time and costs much less than whole life or endowment insurance. But at the end of the termn, you have no further benefits. It is the ideal form of protection to meet specific needs, but it is not a savings vehicle - when the term runs out,, that is the end of the story and there is no borrow- ing value in the meantime. Termn insurance can apply up to a certain age or for a given period and may be renewable beyond that. The amount of the policy is payable if you die durîng the term. Although this type of insurance is straight protection and not saving - it can often be converted into a whole life or endowment insurance plan regardless of your health. But the older you are when you convert, the larger the pre- miums for the new policy. With whole life insurance, you are mnsured until death, whenever that may occur. You usually continue to pay premiums throughout your ifetiine. Some policies provide for "vaid-up" coverage at age 65; or a rnonthly incomne for a prescribed period. The third plan - the endow- ment policy - is really an. insured savings plan. On reach- ing a certain age you can take the full value of the policy in a lump sum, or a series of payments, or leave it withi the comnpany to earn înterest. But in the meantime, if you should die, your beneficiary will receive the full face amount of the policy. Plans along these fines are often used to save money for children's education and they have the highest borrowing values. There are many different variations and combinations of these types of insurance policies, and our best advice would be to discuss your needs and your family's needs with a good insu rance agent. Thils is one of a series of columns on money manage- ment, condensed from the bookiet Your Money and Credit Today and Tomorrow, published by t/he Canadian Bunkers' Association. Copies of the booki et, in English or French, are available free from the Association at P.O0. Box 282, Toronto Dominion Centre, Toronto, Ontario, M5K IA 3. The Whitby Recreation Department is again offering the 'Funi After Four' pro- gram. Qualified leaders wil be organizing two programs for boys and girls which might include the following activi- ties: active and quiet games, soccer, basebali, tumbling, outdoor games, singing,- crea- tive drama and special events. The $1 fee entitles child- ren aged five to 12 one 4 to 5 p.m. session once a week for six weeks. Registration for boys has already been held. However, late registrations will be accepted at the Recreation Department, 105 Coiborne Street East between 9 a.m- and 12 noon and 1 and 5 p.m. up until the commenc- ing date of the program. Girls attending R.A. Hutchison Public School can register today between 4 and 5. The boys programn begins next Tuesday while the girls get started next Wednesday. Whitby POCO Dance The Whitby P.C. Associa- tion is holding their annual winter dance on Saturday, January 25th. The dance, called the Whitby Conservative BalI, will be held in the Centennial Building on Centre Street in the Regal Room beginning at 8:30 p.m. About 140 people are expected to attend, including Dr. Charles McIlveen, MPP (Oshawa) and' Mrs. Mcflveen and Mrs. Joyce Bowerman, PC Candidate in Ontario Rid- ing and Dr. Bowerman. The special guests of the evening will be the Honourable Will- iamn Newman, Minister of Environrnent, MPP (Ontario E.A. Fairman wil be hold- ing registration for girls to- morrow between 4 and 5 and wil get into the fun next Thursday while the boys start next Monday. Registration for girls attending King and Coîborne- Street Schools will be taken today between 4 and 5. The program for girls from both schools begins next Wednes- day at King Street while the boys go to Coiborne Street beginnirig next Monday. Girls from Ashburn should register at the comn- munity centre from 4:30j to 5:30 today for their segment of the program which com- mences next Wednesday. The boys begin next Monday.- * Remember, the Recrea- tion Department will take late registrations. Red Cross Meets The Whitby branch of the Canadian Red Cross Society wiII be holding their annual meeting on Friday. The meeting will feature guest speaker Judi Kemp, director of the youth depart- ment of the Society's Ontario Division. The mneeting wil be chaired by president Aluyn Stachel and wil begin at 8 p.m. in the Whitby Public Library's program room. South) and Mrs. Newman. Mrs. Mldred Henstock, Pres- ident of the Whitby Progres- sive Conservative Association said that, "although sales have been good, tickets are still available". She suggested that anyone looking for tick- ets should cail Jack Nixon at 668-2877 or Casey Hlliard at 668-6547. TOWN 0F WHITBY 1975 DOG LICENCES Dog licences for the year 1975 in the Townî of Whitby are now available for sale. To assist the Town witm the sale of licences, the 1IST Whitby S/E Resolute Rangers have volunteered their ser- vices tô seli dog licences on a door to door basis. The members of this group are equipped to proper- ly identify themselves and provide off iciai receipts. Dog licences are also available at the -Municipal Office at 405 Dundas Street West, Whitby. The cost of a 1975 dog licence is $10.00. R.A. Claringbold, Deputy Treasurer, Town of Whitby. MoeTe e Tender Lovng Cr BOAR DING FROZEN BEEF for dogs & cats stili 25 cents per lb. (Box of 35 lbs) ROMAR 90 15 oz. can 32 cents (by the case) Most DRY MEALS 25-50 lb. "SPECIAL" NEW PURINA MEAL 50 lb. $10.65 QtUANTII ýY DISCOUNT TO KENNELS LAST TRAINING CLASS FOR THE SEASON STARTS FEBRUARY 4, 1975 (416) 655-4721 HWY - 12, BROOKLIN, ONT. LOO ico 1fr TRAIN ING Consumers',Corner Buyer Bew#re Real savings are posoibje through mosit bùying services. There are some such clubs that don't have you the consumer in mmnd. Prior to signing up for any group purchasing plans, lt would be wise to:t -Avold paying any tee before oomparing prices of products ad- vertised by the service with those readiiy available. -Stay away from clubs that de. mand prolonged mnembership agreemients. There's no way to be sure how long the firm will be around. -Realize that the most you're ever going to save Is 10 te 20 percent. Any outfit that promises discounts above that is most likeiy being reckless with the truth. -Not take tee seriously those offers of free gifts. -Be 'aware that credit con- traêts are neyer very easy to get eut of. -Have other members of your family, and perhaps an attorney, study any contracts before signing. -Check with ail availabie con- sumer protection agencies. The Better Business Bureau is aiso, a valuable resource. Press for al availabie information regarding the conipany that has approached yeu. Trhought For Foodl Glazed Carrots Serape 2 doz. mnedium young carrots, cook in small amount et water in covered saucepan 15 to 20 minutes until tender but net sot t. Drain. Meit 3 ta- blespoons butter (or salad oi1) in skillet, add 3/ cup brown sugar and i teaspoon aromatic bitters. Stir well, add whole carrots, turnIng until well giazed. Keep heat low. Remove from skillet, arrange on plat- ter, add pepper te, taste, MI1 center with parsley. Yields 6 rte 8 servings. Wo qodlyn Loungei I make Up I LONOCILS O ve makeuyp FACI4 Specil Service There wil be a special service at the Whitby Baptist Church beginning at .7:30 tonight. T'here will, be an non- denominational service to pray for, give somne practical demonstration of, and exper- ience firsthand Christian unity. of i part of the 1975 week ofprayer for Christian unity which ends Sunday. The church is located at 411 Gilbert Street East in Oshawa. Disaibled Pr oblems Coundil has receîved' a municipal newslatter provid- ing suggestions« for improved transportation services for the disabled. The newsletter is based on studies performed for Metro Toronto and the Ontario Ministry of Transportation and Communications. A 16 millimetre 14 min- ute vîdeotape presentation has been prepared by two disabled members of the study team and presents pro- blems facing the disabled attempting to use different types of vehicles. It is available to interested persons from Peat, Marwick and Partners. -mmm --M-_Mmm:::r::o knilttilng Course At Whoitby YMCA Beauty ntroduces %JHENE1 ALS im wwINWU5aeQni tUCl Hair Removal Manicures Wigs (Eva Gabor) 10%/0off ARTIFICIAL EYELASI-ES 20% off ARTIFICIAL NAILS ATTE=NTIONME'N Woodlyn Beauty 81SmceSt .Lo unge Proprietross Jac ,» voline Woodcock cornei and meet Maggie the Barber Hair Cuts $3.50 up Shaves $2.00 use rear entrance Fre Parkina thru Pattes)