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13 In Focus, April, 2012 Focus on Nature By Rein Pater Although it may seem like we skipped a season or two this year, local photographer Rein Pater found evidence of both winter and spring in Halton Hills last month. In the photos he shared with In Focus, Rein explores Norval's Willow Park Ecology Centre on a snowy day and shows that the park is alive with activity even when the rest of the world is hibernating. Rein's camera also caught a glimpse of spring, snapping photos of a group of Cedar Waxwings outside his bedroom window. Rein shared his photos with In Focus ­ and you can too! Email your favourite shots to Andrea at ALefebvre@ theifp.ca or drop them off at the Independent & Free Press office at the Georgetown Market Place. Photos submitted by Rein Pater Kenzie MacDermid, Mortgage Agent FSC0 #M08001440 2012 Readers Choice Award Winner To find out how you can save on interest and improve your cash flow, call: Representing more than 30 banks to serve our clients better and save them money. Why work with one bank when you can access them all? By using the equity in your home, you may be able to refinance your mortgage and consolidate your debt. Consider a... Current situation Mortgage (@ 5.25%) Car Loan Credit Cards/PLC Penalty to break mortgage Total Now consider a... New Mortgage Mortgage (@ 2.99%* 3.4%*) Car Loan Credit Cards/PLC Penalty to break mortgage Total $ $ $ Balance $ 160,000 18,000 15,000 3,000 $ $ $ $ $ Payment 953 540 450 0 1,943 The MacDermid Group Mortgage Professionals T 905.702.1766 F 905.702.1577 all@macdermidgroup.com www.macdermidgroup.com $ 196,000 Balance $ 196,000 Paid off Paid off Paid off $ 196,000 $ $ Payment 968 ­ ­ ­ 968 926.56 *Rate subject to change. OAC. Payments based on 25-year amortization FSCO Lic. M08001440 ©2007, Mortgage Intelligence Inc., all rights reserved. ®Registered trademark of Mortgage Intelligence Inc. That's a monthly savings of $1,017.00!