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Pages HALTON HILLS OUTLOOK Business Outlook This is market fluctuating VINCENT On Bus When they asked J Morgan for his opinion about the stock market the late financier used to say It will fluctuate Boy is this market fluctuating The Jones Industrial on some days this year such is has been swinging like a flag in Laic force winds In thai Monday session comprising stocks listed on the New York Stock Exchange dropped 30 points by mid morning recovered nearly all of its losses by mid afternoon then turned again and fell more than IB points by the close Earlier on the way to a record breaking rise of points or IB per cent just since the beginning of the D had scored its largest one day gam ever points the next day its biggest intraday drop m his tory points in under minutes and volume records of about mil lion shares in a day and one billion in a week Canadian activity t been far behind The composite index of stocks listed on the Toronto Ex change moved ahead points or per cent from the start of the year then on Feb plunged nearly points or per cent largest loss of any single day since June Behind the most recent sell was the by Brazil that it was suspending in Itrest payments on lb debt to fort ipn banks amounting of billion Canadian including lx billion and billion owed to Canadian inks hid long defaulted rep lymcnt of principal on its bank bo in Other Third World countries are believed to be equally unable or unwilling to meet Iht ir debt obligations to North American banks Other and more esoteric reasons arc cited by various market The or is it 5J year cycle is now past the point in time at which according to the late Russian economist an in recession should have be gun And the year Chinese cycle not an outstanding time for stock prices in past years We believe this long in stock prices last at least another year Small business financing lengthening relationship between a small business owner and his or her banker is one of the best ways avoid financial trouble Most banker would say than No to an application Thatsjustgoodbusiness But tlie banker needs all the that can possibly provided about tht business its financial position jour self Most small business experts agree that Lick of financing not a major cause of failures but made quale financial information can be Money problems are usually of a failing business rather than the cause When applying for a loan operating purposes or for expenditures such as renovating refurbishing expansion or new equipment the proposal should state dearly how rnuch money is needed when it will be repaid the of repayment what security available and the value of that security A first time borrower should also include a personal resume substantiate ability to run the business The application should be backed up by as much relevant material as available such as a business plan SAME DAY TAX RETURNS Si Georgetown 8772217 financial important pur chase or sales orders contracts and probably most important of ill cash flow projection indicating that your business will general funds to service your loans This seems like a lot of paperwork if information is lacking the loan decision will at best be and turned down Once the Iran has been tht on going with your banker is equally impor Lint Accurate and prompt ment of interim results by both yourself and jour banker wt ensuring a business operation Lack of current financial information and planning ems to be one of the fe common denominators in bustntss failures Businesses cannot on the basts of stale or incomplete financial information provided as a pubix service by the Canadian Bankers Association Box 348 2 Fast Cam Place Toronto 4jkijH I STORE HOURS 30 am 4 T rid ft Friday I 30 Georgetown 77731 CENTRE CLEAN WATER Rocky Mountain Slream Water Filtered With Silver Infused GA C out 1 different For Mountain Frnsh contaminants in Your Hom Co Hugo nneoasory your or body to unction properly Trafalgar Rd Silyercreek or two thanks in part to recent declines in interest rates and con economic growth comments Investment a Toronto based newsletter There will of course be temporary along the way as investors lock in profits but such setbacks an to be of such depth or dura it they justify the risks of sell short Short silling is a slock market t employed by speculators who prices In fall sell shares that don own in the hope of miking profit by buying at a price and pocketing the difference The p acquired a bad name before and during the Great Crash of 1929 On strictly logical grounds however it is as reasonable sell short when prices arc falling as it is to buy when prices are rising Recently the S based Fidelity Select announced that its most active clients would be offered the opportunity of short selling Fidelity mutual funds a move never taken previously by any I fun wi or most individual investors the pitfalls of short selling are consider able however Your broker has to borrow the shares from the account another client and if any dividend Is distributed the short seller Is for seeing that the actual owner ASK YOUR PHARMACIST Suffer from headaches dont take ASA lightly Moat suffer from headache fever and rare muscles lime another for relief our reaction is to rcich far i couple of AS In Ihe medicine However Ihis practice becomes it lo slop and think llie risks of ASA for inildrtn lo of tin for Canada most used headache libit is are in i veil in more icculintil poisonings in die lhan lit r single or house hold product In IJfO Poison Control reportiil cues if involved four of iheri i by if dripped hi of childproof If i is io hirin tit a child ahoul ing nullities result from v rather tht childnn is most import for ynunkskrs no just cause it tastes is allowed Tin I is adjusted for children whereas adult tahlel suspect ASA call your local Poison Information Centre or family doctor immraiule emergency Ireatment of overdose wticthcr in a child or use Syrup of Ipecac Inexpensive and available in most drug stores it is an invaluable emergency remedy for not only ASA poisoning but for some drugs well In ASA poisoning a child should be given one as soon as foranadull the dosage is two tablespoons of Shoppcri Drug Marti it And of course a short seller loses money to extent that the stock goes up which means that there Is no theoretical limit to the extent of the loss In contrast when you buy stock your loss can never be greater than the entire amount you paid and rarely does a stock s value disappear altogether LN ELLS DRIVING SCHOOL Next Course April May 13 630930 Count PHONE 872671 by Ontario Water Softeners We sell them We rent them And we service them too But first we assess your specific needs Our estimates are firm and we have no hidden charges NEW YEARS OFFER 5000 Off Purchase or 3 Months Free Rent Water Softener SalesService Telephone ALWAYS CLAD TO HELP 301 ARMSTRONG AVE GEORGETOWN 8776931 GUELPH 8244550