WHITBY FREE PRESS, WEDNES]5AY, FEBRUARY 3. 1982,PAGE 23. moRE CoMINGlEVENTS' ONE PARENT MEETING The next meeting of the North Oshawa Cbap- ter of the One Parent Familles Association of Canada will be held on February 10 at 8 p.m. at Christ Memorial Chur- ch, Mary and Hilcroft Streets, Oshawa. This meeting will fea- ture the election of offi- cmn for'the upcoming year. The next meeting of the association's Oshawa Chapter will be held on February 9 at a.:30 p.m. in the Lake Vista Clubhouse, Emer- aid Ave., Oshawa. The guest speker will be Shirley Currie. For more information cail the association' s Durham district office aRt 723-28. REGISTRATION The Ajax Acros Gym- nastie Club wiIl hiold registrations for ail up- coming programs on February 6 at the Ajax HRighSchool. For more information cail 683-M2. MEETING The next meeting of the> Durham Widows and Widowers Associa- tion will be held on February 8 at 7:30 p.M. at St; George's Anglican Church, Centre Street South, Oshawa. The meeting wiil have a Valentine theme. .Widowed only, please. For more information eaUl 728-7495 or 668-2648. SERENADE The Oshawa Sweet Adelines are once agai offering their services to "Serenade Your Sweetheart" . .For a nominal fee, a quartet from the group will present a red carna- tion, a card and proceed to -sing two songs from their repertoire for the Valentine of your choice. These quartets wil be available February 1 Mortgage matters CONTINUED FROM PG monthly paymnts.' As a borrcwer, ycu wilI have to deaide on the term of the môrtgage, that is the duratica cf your:agree- ment wfth the leader. Termna'usuafly range (rom one to, ive yearu, though a apecific lend&r may Dlot offer ail cf these dcoiceea Further, the rate cf intereat may vary accordmng te* the term. There is also the matter of an open or ciosed mort. gage. With a ftlly cloued *ortgage, the borrower oennot make lump uum cayments toreduoe the loan prinipal without *azga penalty te the ender. With a fuily open mortgage, you can do 80 -. though usually t the coast of a premium intereut rate. A 1commen concession made by lenders is te allow a paymeat of up te 10 per cent of the principal eoe a year on a "clcsed" mort- gage, without penalty. Whea arranging a mort- gage, the borreower aise bas to conider- the couts involved. Yeu aormaliy muat pay the cosaof an appraiasi and perhapsaa aurvey cf ycur preperty. The. lender may aIse require that yeu buy inaur- aaoe on thc property equal te thé ameunaiycu are borrowzng. There ame aise legal fees. And if yeu are not dealng directly with a lender, but with an agent or broker,-there Wiilbe a (ce charged for bis service. AU the particulars iavoiv- ed i arranging a mcrtgage affect the total colt te yeu. Be sure te weigb the (actors carefuly. And when yenu talk to, a leader, b. wel] prepared te discues ycur persenal financial picture. A borrewer whe appears tc be a goed riait eften bene- fits with faveurable termes. Hymie Mlida i. with Price Waterhouse & Co., Ghartered Accountants, Toronto. >Ail single LP Rentais Whltby Mail and 14 from 12 noon to 8 p.m. For more information cail725-113 before Feb- ruary 10. STORY HOUR The Whitby Public Library willbe holding their Story Hour for children age 5 and over each Saturday from 10:3Oto 11:30 a.m. February e will be "Red Letter Day". Par- ticipants are urged to wear their favorite red clothes. The film "The Red'Balloon"' will be shown. February 13 will be devoted to St. Valen- tine's Day activities. February 20 will feature craft time. Par- ticipants are urged to bring a paper bag from hometo make paper bag elephants. February 27 will be devoted to dragons. For more information cail the library at 668-- 6Mi. SWEETS On' Saturday, Feb- ruary 13 from 2:30 to 3:30 p.m., children aged 6 and older can have fun cooking up some Valen- tine goodies with'Mary Lio Liskol the "Happy The Whitby Publit Cooker." Library wil continue iti This is a limited After Four Films pro. registration program. gram each Tuesday at4 There will be a $1 fee to p.m. for children à r cover the cost of 5up- grades 2 to 6. plies, payable upon February 9, "«A Diff- registration. erent Kind of Winning For more information will be shown. eaUl the lîbrary at 668- On February 9 "Dra. 6541. gon Castle" will be seei and February 16 wil] MONEY fMature "The Tap Dance MATTERS Kid."l MATTERS"The Adventures of Jý "Financial Planning -Thaddius Toad" will bE for the 'Bols," a seminar screeined on February on money management 23. For more informa. will be sponsored by the tion eaUl the library ai Whitby Public Library. 668-6541. on February 17 from YC C 7:30 to 9:30 p.m.PSC C The seminar will be A psychic evenini presented by Investors featuring. Isobel Fergu. Syndicate Limited and son will be held in th(i will concentrate on per- Regal Room of the Cen. sonal financial plann- tennial Building, 41( ing. Centre Street South or 1Topies covered will February 18 at 8 p.m.. include income tax Admission $4 at tht savings, R.R.S.P.'s, door. R.H.O.S.P.'s, life insur- ance, use of credit and other topies. LUNCHEON- This seminar is being- St. Mark's "United offered free of charge. Church, 201 CentrE Pre-registration will Stetouhwilod guarantee aseat. SreSoutN'Saw ichld For oreinfrmaion Luncheon" on Friday, eaUi the library at 668- February 12 from 11:3( 6541. a.m. to 1: 30P.m. AFTER FOUR The cost is $2.50 FILMS Children haîf-price. Andrew's Shoes Angel Hut Pet Shop Arcade Centre Bernina Sewlng & Fabric Centre Bread-Man Cadet Cleaners Canadian Imperlal Bank of Commerce Debos Hobby World DeHart E. Real Estate Ltd. De Mar 5kin Care Cllnlc HaîrCare Centre Hart's Card'n Glft Shoppe Household Finance India Fashions REGISTRATION - Registration for al trips and special events being held by the Whit- by Senior Citizens' Ac- - tivity Centre during February and March wiil be held tomnorrow - (February 4) from 10 Sa.m. to12 noon and fromn j 2 to 4p.m. e For more information about the trips and events eaU the centre at e 668-1424. DANCE - The Whitby Senior Citizens' Activity Cen- tre will hold its Valen- tine's Dance on. 9 February 20at 7:30 p.m. j- at the centre on Brock e Street South.. 1- Admission is $2. Jtailan Dtaperies Lt. KÇameka Footwear Ltd. Key Books Kld's Place Chlldren's Wear LCBO Lquor Store LaPomme Beauty Salon Maria's Place Itallan Restaurant McDonald's Famlly Restaurant Miracle Food 'Mart Picture Thîs Photography Pro-Flnn Imports Rena Rent-A-Record Roger's World Travel Ilc., Super X Drugs - RED CROSS The annual meeting of the Whitby Branch of the Canadian Red Cross Society wiJl be held on March 1 from 8 to 10 p.m. in the Gold Boom of the Centennial Build- ing, Centre Street South. Featured at the meet- ing wlll be Larry Emer- son and the new CBC film "Free 'Dives" which concerns the teaching of swimming to the disabled. Ann Koke, the. bran- ch's water safety chair- mnar Wil outlipe the new Red Cross swim pro- gram.. For more information caUl 668-2741. A handy new bock by Sidney Ledson, author of the best-soll.ing book, 'Teach Vour Child te Read in 60 Days. Here's a book< no stenographer should be wlthout; virtually I a university course in grammar- but Presented In a lively way v no universlty can match. $39 PRINTING & OFFICE SUPPLY 218 Harwood Ave. S., Ajax 638-1968 WHITIBY MA.LL HWY. 2 & THICKSON RD. Stlppy's Delcatessen 0lf ta &,Caterlng Tass Jewellers Inc. Telephones Unllmlted The Sweet Shop Vaientine Fashions -Whltby Mail Florist Whltby Mail Restaurant & Tavem Whltby Mail Varlety Store Woolco Department Store Lang Tower Office Suites Dr. Allen Goldberg, Dentist Dr. Franciskwan, Family Physiclan BarrY-Evans Barr & Solctr Quality Merchandise, Low Prices, Customer Satisfaction And Personal- Service MONDAY Feb. 1 st to'SATURDAY Feb. 6th Mon. - Fr!. 10 a.m. to 9:30 p.m. Sat. 9:30 a.m. to 9:00,p.m., Over 30 stores and services Open daily 6 days a week FASHIONS Whltby Mail 723-1771 N~?9 Up To 50% Off selected dresses & blouses flannel pants & ski rts *sweaters, some mohairs & angoras *summer dresses, T-shirts & pants Fine KnIt Polyester Turtlonecks $600 Clearance of Can Can & Camneo Coloured pantyhose 1.0-_$2.50 pair,