The record, 18 février 2004, Supplément 1

Brome County NEW IBM PENSE A TOI IS THINKING OF YOU Turn your groceries.into rewards %.* MaK For your m 9 reward miles Wednesday, February 18, 2004 Quality is our main ingredient.231 Sherbrooke St., Magog 472 Knowlton Rd., Knowiton choose 1ER all the way 819-868-1122 450-243-6692 The Largest Circulation Weekly in Brome —Missisquoi Flyé hosts millenium book exhibition By Wendy Denman Record Correspondent Alanna Fahey’s small Sutton bookstore.Flyé, has obtained the millennium exhibition put together by the Canadian Bookbinders and Book Artists Guild in 2000.The rare manuscripts will be on view at the bookstore for a couple of weeks and Fahey invites friends and customers to come and have a look.“It’s really simply wonderful.I have never seen anything like it,” she told The Record this week.“Just putting it on display has been a real project.You have to use special gloves to touch the books." Thirty-five artists from across Canada were requested to create an addition of 50 manuscripts.Fifteen boxes of the manuscripts are being used for exhibition and teaching purposes, the boxes reserved for travel have been going to schools, libraries and galleries and will eventually be archived.Flyé now has one set.“The range of the work is truly remarkable, with traditional techniques and contemporary technology inter- mingling and reinforcing each other,” explained the curators of the exhibit, Shelagh Smith and Susan Corrigan.“The collection includes use of leather, metal and paper, calligraphy, digital woodcuts, letterpress printing, hand papermaking, scrolls, books large and small, woodblock print, flax paper, Japanese paper and hand-colored linen,” added Smith."Very few limitations were placed on the artists.Size restrictions were imposed, but there were no subject restrictions.Our self-imposed conditions were that artists from across Canada be represented and that all areas of the book arts, book binding, fine printing, calligraphy, papermaking, paper decorating and artists’ books be included, as indeed they are.” Flyé, a small nook at 21 Principal Street in Sutton, is open only on Thursday from 11 a.m.to 1:30 p.m.and Friday and Saturday from 11 a.m.to 2 p.m.“Everyone who loves books should see this collection,” concluded Fahey.“The art is marvelous, it gives a whole new perspective of what a book can be." DAVID ANDERSON/SPECIAL Vanessa Herrick of Montreal stopped by the Rye' Bookstore in Sutton and while there enjoyed looking at the many different hand made book bindings on display.Awareness seminar looks at immune system By Wendy Denman Record Correspondent Landscape gardeners Morgan and Catherine Fuller, intrigued by a re cent medical discovery, are sponsoring a health awareness seminar at the Lakeview Hotel this Saturday, (Feb.21, at 2:30 p.m.).The seminar will feature keynote speaker Dr.James Gutman of the Montreal General Hospital.“This past year we have become aware of some valuable information about cellular health in humans,” said Fuller “It is for this reason that we have made special arrangements with Dr.Jimmy Gutman to give a presentation on this discovery.He will talk about a special protein that supports the immune system by providing the body with the necessary building blocks to produce a naturally existing substance in our bodies, called Glutathione.“Glutathione is a vital immune system cell component, anti-oxidant and detoxifying agent.“Dr.Gutman will be addressing how to optimize your health potentials through nutrition by safely raising, supporting and sustaining your Glu-tathoine levels, thus allowing your body’s own defense system to maintain and/or repair itself.” The Fullers have recently become representatives with Immunotec Research, a company that holds the patent for the Immunocal, a Cysteine delivery system that aids in cellular production of Glu-tathoine.“The discovery of the importance of Glutathoine has made an impact,” added Fuller.“It’s a wonderful anti-oxidant and the system is in use now for such things as detoxification for drug overdose.It is also important for the average person who wants to optimize their health.“Over the years we have evolved our gardening business into corrective pruning and nutrient needs of grass and trees.In this time we have become aware of the relationship of correct nutrients for plants and disease prevention.“This has led us to inquiring of new research and advancements because the healthier a plant is the less intervention is needed and the better it is for the environment.“The same is true for humans, which is why we’re excited about what Dr.Gutman has to say and why we are holding the seminar.” The meeting is free and will be held in English.fHIW K MNMAtt Oort pel toned.Tan betoe you travel Besetmspeoel I SC minutes lor SSS First session free with purchase.Set one tm tree when you purchese i mamcure or ear piercing Ear piercing and Nail technician.Open Mon-Sal 8 am-fl pm Grrüfif par SAK 58 Principale N, Sutton 538-5858 14501242-2544 11 m r.i fn Rm ton Oiifst A30 SALON LUC • HAIR SALON • ESTHEBELLA• ESTHETICS ^/\yaU?ZOW 11, CH.Olen, Bolton OUESTy>^ Contractor IKEMT My 11112*15-U • Machinery work • Hydraulic hammer (rock breaker) • Private roads • Land shaping • Drainage • Artificial lakes/ponds • Septic systems • Demolition - Foundation - Topsoil - Aggregate rVALLIERES *\' ST“?; 0ravcl - • Fttldslone ROCH ¥ nd total leas.ooKK.uon of SIS S42 With .down paym.nl of $1.918.monthly leas.peynwnt of S288 «Kl tot.l lest, obligation of S1S.742.With SO Down Payment Option, monthly lease p.ym.nt of S328 and total Ink obligation of 515.744, * down pey mont may be mquimd.Fim month's Wyment rerphied.24.000 km ,nno.l allowance (p^nt of SO 12 p« km owr).Freight .nd MU.Indod^ poWication Inlwkn.mso.nc.end admmistretion Fee.estr.AOend of Iwsayoo m£ return Mw c« to dealer or porches, it for a predetermirid emoont.S-yeer/lOO.OOO km Acute limited werrenty.First two meint.nanc.slices included.Model mwy differ fr»m picture.See your dealer lor more details.From February 3rd to March 1st.2004. page 8 Wednesday, February 18, 2004 Brome County News Nouvelles découvertes sur les gras Omega-3 Plus de 49 études importantes ont été effectuées depuis 30 ans au sujet des Omega-3, ces gras non saturés considérés essentiels car ils ne peuvent être synthétisés dans le corps humain.Les sources alimentaires de ces acides gras comprennent, entre autres, la graine de lin et les noix de Grenoble ainsi que les poissons, en particulier les poissons marins tels que les sardines, les anchois et le saumon.L’influence des composantes EPA et DHA des sources mentionnées plus haut sur la santé humaine a fait l’objet de nombreuses recherches.Bien que les Omega-3 soient surtout connus pour leurs bienfaits cardiovasculaires, ils sont aussi efficaces pour le système immunitaire, la peau et la santé en général.Par exemple, il semble que notre alimentation moderne cause un grand déséquilibre entre les Omega-6 et les Omega-3.Nos ancêtres avaient une alimentation offrant un équilibre entre les deux alors que présentement l’écart est souvent 20 pour un et même 50 pour un dans certains cas, ce qui est loin du ratio de 1 pour 1 recommandé par les experts en gras essentiels dans le Journal of the American College of Nutrition.Nous mangeons beaucoup trop d’Omega-6 par rapport aux Omega 3.Nous utilisons beaucoup les huiles végétales qui contiennent beaucoup d’Omega-6; elles se retrouvent aussi dans un très grand nombre des mets préparés pour le consommateur.La moyenne quotidienne de EPA/DHA combinés est de 130 mg en Amérique du Nord, soit 520 mg de moins que les recommandations publiées et 870 mg de moins que 1000 mg recommandé par la American Heart Association, dans les cas de maladies cardiaques.Et voilà que des études récentes démontrent que la diminution des acides gras Omega-3 dans l’alimentation est en contraste direct avec l’augmentation de la dépression dans les pays riches.De plus, la dépression est de plus en plus fréquente chez les jeunes.Les scientifiques qui ont étudié l’atnéliora-tion de la dépression ont exprimé leur opinion que ces découvertes ne peuvent s’expliquer par le changement d’attitude des professionnels de la santé ou la société, les critères de diagnostique ou autres.On croit que le faible pourcentage d’Omega 3 dans l’alimentation, le déséquilibre entre celui-ci et les Omega- 6 ainsi que le message erroné des 25 dernières années à l’effet que tous les gras étaient néfastes, ont eu une influence désastreuse quant au taux de dépression.Durant la dernière décennie, les neuroscientifiques ont examiné les conséquences de déficiences en Omega 3 pour le système nerveux central.Des changements quant aux niveaux de sérotonine et de dopamine ainsi que le fonctionnement de ces deux neurotransmetteurs est évident lorsqu’il y a une déficience en Omega-3.Les changements observés dans le manque d’Omega-3 chez les animaux est étonnamment semblable à ceux trouvés lors d’autopsies humaines.Selon une étude en 1992, un niveau trop bas d’Omega-3 peut aussi compromettre la barrière de sang qui protège le cerveau contre l’accès au cerveau de matière indésirable.Un manque d’Omega-3 peut aussi diminuer le flux normal du sang vers le cerveau, une découverte intéressante puisque des études ont démontré que les patients souffrant de dépression ont un manque de sang dans certaines parties du cerveau.Le DHA se trouve en grande quantité dans le système nerveux central (neurones) où il agit comme soutien.Lorsque le niveau d’omega-3 est insuffisant, la cellule nerveuse devient rigide parce que le cholestérol et les acides gras Omega-6 se substituent aux acides gras Omega-3 compromettant la neurotransmission normale de cellule à cellule et à l’intérièur de chaque cellule.Le EPA, est aussi très important pour la signalisation à l’intérieur des cellules.La normalisation des communications à l’intérieur des cellules semble être un facteur important dans l’amélioration des symptômes dépressifs.Bien qu’on ait déterminé l’influence EPA/DHA sur la physiologie et la structure du cerveau, les mécanismes précis par lesquels ces acides gras améliorent la dépression, demeurent inconnus.Cependant, des études à long terme au sujet des suppléments d’huile de poisson pour les maladies cardiovasculaires ont démontré qu’ils sont sans danger, bien tolérés et bénéfiques.Si ce sujet vous intéresse, lisez plusieurs articles et, en particulier, le long article de Alan C.Logan, ND, avec références à 49 études sur les acides gras Omega-3, sur le site www://merco-la.com, le site Internet sur la santé naturelle le plus visité et en qui les intéressés ont le plus confiance, au monde — on parle de 50 000 000 visites à site par jour.Entre Nous Thérèse Bernard • • - \ ?monthly""BANK WITHDRAWALS I I (we) authorize The Record to process a debit from my (our) account on the first day I of each month, beginning (month/year)_____________.I (we) have enclosed a blank I cheque marked “VOID" which indicates account information.I Signature '___________________________________________________ • Name________________________________________________________________________ I Address___________________________________________City______________________ J Prov.______________________________Postal Code______________________________ I Tel.(home)________________________Tel.(daytime)___________________________ I $11.0Q/mth, taxes included, for all of Quebec.Outside rates are available upon request.Enjoy the convenience of THE RECORD’S Easy Payment Plan Have your subscription payments automatically debited from your bànk account.It’s easy! Just fill in the authorization form below.OR CALL (819) 569-9528 RECORD Information meeting for cultural committees Staff Cultural organizations in the riding of Brome-Missisquoi and Minister of State for Financial Institutions, Denis Paradis, are invited to take part in an information session where representatives of the departments of Canadian Heritage, Human Resources and Foreign Affairs will be in attendance.“This is an opportunity for the representatives of our cultural organizations to find out about programs pertaining to their area of activity.Officials will be on site to answer their questions and to provide all the documentation they need,” said Paradis in a release this week.The information session is to be held on Friday, Feb.27 between 8:30 a.m.and noon at the Hotel Chéribourg in Magog.Those interested in participating are asked to register by contacting one of Paradis’ riding offices: Bedford 450-248-1179, Cowansville 450-266-6062, Magog 819-843-8743 or toll free: 1-800-294-8933.lUif assn»', Medic Alert ALWAYS a rv CALL www.medicalert.ca For more Information 1-SDD-66B-15C]7 Immediate access to your emergency health data BROME COUNTY NEWS Wednesday, February 18, 2004 page 9 0 r FI Oh •after 16$ mail-in rebate • 3.2 megapixel • 2x optical Zoom • 16mb memory card included Reg: 349.99» 700 X zoom • 10 X optical Built-in image stabilization ON BAG AND TRIPOD KIT WITH THE PURCHASE OF THIS CAMERA AM/FM and DVD multiformat player 6 speakers including one subwoofer MULTI-FORMAT DVD PLAYER DIGITAL CAMERAS MINIDV CAMCORDER MULTI-FORMAT DVD PLAYER 24" FLAT SCREEN TV HOME THEATER SYSTEM accord D '£ T O / > Dc'-jarrim* E L E Photos may differ from model on sale.See all details in store.Valid february 19.20.21.22 and 26.2T M.29 2004 only or t»H stock last QZZ^> LES PROMENADES KING 2223, rue KING OUEST 1739, rue SHERBROOKE SHERBROOKE 822-3344 MAGOG 843-6621 DOMAINE DU PARC COWANSVILLE 266-4446 GRANBY 378-6816 36, rue EVANGELINE page 10 BROME COUNTY NEWS Wednesday, February 18, 2004 Business & Finance RRSP-RRSPs are not for all - all of the time By MICHAEL KANE (CanWest News Service) VANCOUVER - Registered retirement savings plans are not for everybody all of the time and not for some people any of the time.Rich folks, poor folks and business owners are among those who might want to think twice before rushing out to buy a tax refund before the March 1 deadline.Others may face bigger priorities like getting an education, saving for a home, or coping with ill health in the family.And those within five or 10 years of retirement would be well-advised to fine tune their strategy with an adviser before assuming another RRSP contribution is the optimum approach.If you have a very low income.C.K.’s INCOME TAX SERVICE & BOOK-KEEPING Bilingual & Confidential Individual Income Tax returns Self-employed Small businesses Pick up 4' Qelivery Seiviccjlrailablc 512 KNOWLTON RD.KiiOWLTOü Phone/Fax 243-6324 Carol Krainyk Majesta PARTENAIRES FINANCIERS • FINANCIAL PARTNERS • investment management ¦ planning for retirement, RRSP, RESP A.V.Martin Garneau, CIM, FMA, CFP, PL.FIN.Financial Planner / Planificateur financier 59 Academy, Sutton struggling to come up with the cash for an RRSP could backfire in retirement First,you will likely payas much taxon the money coming out as you saved when your made your contribution.Second, every dollar in RRSP savings you withdraw could reduce your entitlement to the Guaranteed Income Supplement by 50 per cent To keep that in perspective, GIS is worth a maximum of $549 monthly and a single senior with income above $13,200, not including Old Age Security, gets none of it.For couples, the cutoff is about $18,000.But if you are not earning a lot why knock yourself out to contribute to an RRSP that could push you into a higher tax bracket and mean reduced government benefits as a result?As a rule of thumb, RRSPs are of questionable benefit if your income is likely to remain below $30,000.One exception to that rule is young people who may be able to afford a contribution despite relatively low income and whose tax-deferred RRSP could have 30 or 40 years to compound.Tax deferred compounding, rather than the up-front tax refund, is the real advantage of saving inside RRSPs.For younger people, RRSPs are also an attractive way to save for a down payment on a home or to pay for post-secondary education.Although you get a tax refund up front, there are no tax penalties for withdrawals up to $20,000.provided you are able replenish the RRSP in subsequent years.Young people who are on track for a high paying career may want to defer RRSP contributions until they are in a higher tax bracket and can generate bigger tax refunds.Never under estimate the value of investing in post-sec- Tel: 450-538-8008 Fax: 450-538-6904 avmarting@yahoo.com Raymond, Chabot, Grant, Thornton $ Certified accountants • Limited partnership International network • Grant Thornton international Luc Harbec.CA Cowansville Associate Marc Blanchette, CA Bromont Associate Jean-Guy Goyette.CA, CPA Granby Associate Steve Bernard, CA Granby Associate Mario Barabé, CA Granby and Cowansville Associate 20, place du Lac, Granby 450.378.2002 89, boul.Bromont, 8202, Bromont 450.534.3139 104, rue Sud, Cowansville 450.263.3010 www.rcgt.com ondaiy education.Academic studies show the higher future income stream resulting from investment in college or university is equivalent to an average annual return of more than 12 per cent after inflation and taxes.There are other significant benefits as well, often including better health and a higher standard of living, says TD Bank Financial Group.At the high end of the age and income scale, someone with a solid pension plan and significant RRSP assets might want to put excess funds into their principal residence where gains are tax-free, or into non-registered investments which generate tax-favoured dividends or capital gains.Those who have cut back to part-time work, or perhaps started a business, could earn a modest tax deduction on an RRSP contribution today, only to take the money out at a higher tax rate in the future, cautions financial planner Sandra Hrvacanin of RBC Investments in Richmond.Similarly, those who are only a few years from retirement may realize insufficient tax-free compounding inside their RRSP to compensate for higher taxes in retirement and potential reductions of OAS benefits.Pharma-care, and the old age tax credit Again, to keep this in perspective, the age credit is worth $626 and the $3,912 gross amount is not reduced until you hit $29,124 of net income and not fully eliminated until $59,789.The Old Age Security clawback does not kick in until $59,790 and you would have to earn $96,788 before you lost all of your OAS which is currently worth $5,500 a year.Those thresholds are raised a little every year thanks to indexing while OAS is adjusted every quarter.Individuals with large pension plans should consider contributing to a spousal RRSP if their partner is expecting less income in retirement, Hrvacanin says.That way the couple can even out their income in retirement and reduce their over-all taxes.Hrvacanin notes that she only has one client she has advised against contributing to an RRSP.The client is in a very low tax bracket, is a very conservative investor, and already has a large RRSP accumulated through the death of her husband.If your real priority is getting an education, buying a home, or coping with ill health in the family, then RRSP contributions should de- RSP Specialist in: • RSPs 8 RIFs • Investment Funds • Stocks 8 Bonds • GICs Johanne Coiteux, Investment Advisor (450) 378-4890 or 1-877-378-0442 fault to the bottom of the list, says Cherith Cay-ford, a feeoniy financial planner and educator.“It’s an area that should be revisited when circumstances change and in any event at the beginning of each year prior to the RRSP deadline,” Cayfond says.“Unfortunately it’s generally only in the movies that people are able to deal with all priorities at once.” Some business owners have the option to taking dividends from their company as opposed to salary.This reduces their tax bill and eliminates the requirement to contribute to the Canada Pension Plan, says Melanie Frers of Burnaby's Meyer Frers chartered accountants.It also means they generate less RRSP contribution room but Hers says that hasn’t been a problem for many recently retired business owners because they have successfully invested in real estate.“Most small business owners are still saving in RRSPs for their retirement but more and more are taking the dividend route just because Canada Pension Plan contributions have become so expensive,” Frers said.“Once dividend income is over a certain level, however, the taxes start to bite and it be comes more attractive to revive the RRSP be cause >ou get the good tax savings now.” With today’s low-interest rates, another strategy for business owners is to buy their premises, rather than continue to rent.They can catch up on RRSP contributions down the road, although it may mean sacrificing years of tax-free compounding.Jeff Capling, a financial planner with Van City Credit Union, says it is important for pre-retirees to get advice to help them smooth out their retirement incomes.Those who retire early, for example, may be able to minimize taxes by accelerating RRSP withdrawals before they start collecting Canada Pension Plan and Old Age Security.Those with investment real estate may want to avoid selhng and triggering capital gains just before retirement because they could lose some or all of their OAS for six months or longer as a result And those who expect to receive substantial income from their RRSP when it is converted to a registered retirement income fund will also want to plan their affairs so that they don’t get pushed into the OAS clawback zone as a result of Ottawa’s minimum RRIF withdrawal requirements which increase with age.As financial author Ellen Roseman notes in Money 201, never make the mistake of assuming that the money in your RRSP belongs to you.The government is giving you a tax deferral, not a tax holiday, and it will get its due eventually.NATIONAL BANK FINANCIAL Member (Vancouver Sun) Wednesday, February 18, 2004 page 11 pvmm -v ' S 1MÉ MÜ ^ '-/k‘4MSv# WZ-W&nk «WvWWWW «**» ta kcaan **,««»«* •*.Stanbridge East Winter Carnival A Success Brome County News BARBARA BELLINGHAM/CORRESPONDENCE The Stanbridge East Sports Association held its annual Winter Carnival last weekend, offering challenges in wood splitting, cross cut sawing, cribbage, snowmobile poker, a four-wheeler rally on Saturday and a car rally on Sunday.Throughout the weekend, a 10-team broom ball tournament was held behind the community centre.Profits from the cantine and bar went back to the S.E.SA.to subsidize new equipment and events for sports and recreation within the community.What could be more Canadian Jl ¦4,'!'** *¦*.Mill CANADA PREMIUM BOND 2.25% 2.50% 3.00% 3.50% 4.00 YR 1 YR 2 YR 3 YR 4 YR 5 Series 38.Cashable once a year.Annual compound rate of 3.04% if held for 5 years.canada savings bond \ Canada Savings Bond and the Canada Premium Bond 1.30 ° are excellent RRSP choices and are backed by the YR 1 ieries 8«.cashable ai any time J Government of Canada.Buy your bonds where you bank or invest.You can also buy online at www.csb.gc.ca or by calling 1 888 773-9999*.Remember to purchase your bonds before the March 1, 2004 RRSP deadline to be eligible for a 2003 tax receipt.RRSP purchases made online or by phone, and paid by cheque, must be made no later than February 20, 2004 in order to meet the RRSP deadline.Then sit back and watch your savings grow.Guaranteed.Current bondholders please note that effective March 1,2004, the outstanding Canada Premium Bonds Series 2 (March 1)f and 19 will carry the rates shown above for the next 4 and 5 years, respectively.The Canada Savings Bond Series 82 will carry the rate above for the next year.Canada If you have Canada Savings Bonds in your RRSP, they're guaranteed to grow.Canada Savinn If this feels like a math test, visit mathliteracy.ca or call 1-800-303-1004.Literacy Foundation Fondabon pour l'alphabétisation CANADA Math solves problems * .P.HOUSE OF COMMONS 104 South Street Suite 100B Cowansville (Québec) J2K 2X2 (450) 266-6062 f When you can't breathe, nothing else matters! 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