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Page 14, Whitby Free Press, Wednesclay; November 25,1992 Meeting to focus on 'quality' . :Q~ 'Quality Standards' will be the focus of a breakfast meeting ta be held by the DurhamRegion Manufacturers Association on Dec. 2. Guest speakers will be Dave Miller, vice president, quality, at Lasco Steel in Whitby, and Bill Zub, custonier service manager for the Quality Management In- stitute. The meeting will be txeld at the Holiday Inn in Osihawa, starting at 7:30 a.m. Cost is $15 for members, $20 for non-members. Deborah A. Irvine -Interior Decorator- Custom Service to Suit Your Personal Taste For Consultation Please Cal (416) 623-7483 or (416) 263-4651 BUYING OR SELLING? For service and resuits ask for LILIAN NORTH sales rep RE/MAX Sunmit Realty (199 1) Ltd. 668-3800 686-586511 Menber of Oshawa & Toronto Boards CORPORATION OF THE ~ TOWN 0F WH ITBY BOARD AND COMMiTTEE APPOINTMVENTS Every year Whitby Town Council appoints citizens to various Boards and Committees that make rcmmendations and decisions on a vait f matters that affect the character and quaiy of life of the vtTown of Whitb heeapointments gve Towni residents, from à variety of backgronds hzc to volunteer their akilis to help run the Town. WhtyTown Counicil is currentiy acceptin aplications from residents neeted in serving on the following Boars and Committees: Board or Committea Board of Management for the Whitby Central Business District Improvement Area Fence-Viewer Groveside Cemnetery Board Local Architectural Conservation Advisory Committee Plumbers' Board et Examiners Property Standards committee To beautify and-maintain public lands, buildings and structures locateci in the Whitby Central Business District Improvement Area and te promote the area as a business and shopping centre. Members et the Beard ef Management must be at least 18 years of age, Canadian citizens and assessed for business, assesament In the improve- ment area, or nominees of corporations se assessed. To review matters relative te the standards for the erection and maintenance of lino fonces. To administer Municipal cometenies. To research and promote the conservation of henitage properties witiiin the To examine applicants fer master plumbers' licences. Members ef the Board et Examinems must be lcenced as master plumbers by the Municipality. Te review matters relative te the standards for the maintenance and occupancy ef proporty wvithin the Muniaipality. Term of, ApPolntment Two years Three years Threo years Three ypars Three years Three years if you would like te, volunteer your akilîs te help make Whitby a botter place te live, work and play, yeu are invited te make application. Application forms for this purpese can be obtained by contacting the Clerk's Departznent. Compl eted applications are te be submitted te the Town Clerk by ne later than November 30, 1992 for the Ceuncul's consideration. DONALD G. McKAY, CLERK, THE CORPORATION 0F THE TOWN 0F WHITBY 575 ROSSLAND ROAD EAST WHITBY, ONTARIO LUN 2M18 PHONE: (416) 668-5803 F. BROTHERS Rosie (Ieft) and Jimmy Nilvi check out -a Iaptop computer at PC Ware- house. The store, formerly called Com- puter Warehouse, held ts'grand re-open- ing Saturday. Photo by Mark Reesor, Whltby Free Press 4receive CGA designat'ion ',Four professional accountants froni Whitby and one from Brooklin recently received desig- nations as certifled general accountants. Brian Bigger, Rose Mac- Donald, Chee Bun Mak and Donna Whitehouse, all cf Whitb, and Hilda Zlatkoff of Brooklin received CGA designa- tiens at the annual commence- ment ceremonies held by the Certified General Accountants Association of Ontario, in Cha mber to. hold workshop on pay equity A workshop on 'Pay Equity' will be held by the Whitby Chamber of Commerce on Nov. 26. .The workshop, to-be presented by the Pay Equity Commission, wil include discussion Of the pay eqàt p-ess, how te get star- teow t evalutate jobs and where ta, get help. The pay equity legisiation afects companies employing 10 people or more. Toronto on Nov. 7. The five become new members of the Durhamn chapter cf the association. ýee ï businss nw Your Financial Health Derek Dutka Tnvestment returu is meanngess: return after taxes - counlts Don'lt cou nt your dollars until they have passed through the "strainer" of taxes and inflation. It ie only those dollars (after taxes) that you can really spend. And -... whlen it cornes to eavings and investmient dollars, they have ta grow at a rate that is at least equal te the rate of inflation plus taxes - just te break even. It really hurts. What surprises me, is people neyer think aboutit. When they see a sign. that says "Deposit with us, we'll pay you 6. per cent on our termi deposits" they think they'll have 6 per cent. No se. TheylH earn 6 per cent, but they may be losing purchasing power. If I were te earn 6 per cent in interest, and I were in the 50 per oent tax bracket, ail IM have left after passing through the "sotrainer". of taxation weuld be 3- per cent. Add te that- the "istraine r" of inflation, and if it were on]y 3 per cent, Pd only break even. With my additional 3 per cent value Id only be able te buy the same amount of goods and services as I could with the 3 per cent less last year. I've gained nothing in purch"sng power. That's why I seek investments that bear littie or ne taxation. There is nothing, or anyone else can do ta save on inflation. Some investments increase in value because of inflation. Those investments are in ownership. Investments such as a home, or farm, ownership of a business, or industry. These ü 'suLally increase in value as inflation increases. And, if they are profitable inveetments, they provide "investment return" also. Thates why I like investment funds. particularly "equity" funds which have investments in banks, utility companies and the basic backbone industries ini Canada and throughout the world. Those banks and other investments increase in value, along with inflation, and the profits I reoeive as a shareholder corne ini the formi of dividends which are taxed at a lower rate than interest. The increase in value (thanks te inflation) and expansion of the businesses gives me capital gains, of which I may earn $100,000 tax-free. .Above $100,000 in gains is still taxed at la lower rate than interest. Thus the "strainer" cf taxation is reduced considerably because of the "method' rve chosen ta, invest. Se ... because I know nothing about buying stocks, I use investment funds, which are simply a pool efnxoney managed by people who -de know how te invest and where. With one simple investment I get te participate in ownership of maybe 35'te 100 different things which are looked after fuil-time'by experts. If you'd like ta learn more about investments, taxes and complete financial management, I will be holding a free public workshop at the Whitby Civic Rec Centre (sae ad). We'1l spend a couple of heurs tagether, sorting through the confusion and hype and show you strategies you can implement right now. No speciflc products will be mentioned, just good, useful information. HELPING THE WORLD WRITE NOW CODE SeIf-sufficlehcy through lteracy ln the developlng world For Information col 1-800-661-CODE