Page 6 — Halton Hills This Week, Taki Be care ot _ . LIFE, AUTO, HOME, RRSP a fe DAVID R. WALSH pes 232A Guelph St., Suite 204 873-1643 sae eta ce hag oi pea Georg Toll Free +2007-274| uniieensnitiiteeetebeianee 2 “s . : ; What's In It For You? Choosing Your Financial Planner Money Talk with George Perdue By George Perdue, B. Sc. P. Eng. the case? First of all, both you and your planner should have a list of your goals in priority. This is standard practice in the financial planning process. The fundamental areas for consideration include: debt elimination; budgeting; debt consolidation; education planning; retire. ment planning; tax planning; inflation protection; currency fluctuation protection; estate Protection; estate planning; return analysis will help define goals and objectives. The investments recom- mended should reflect no bias. That means they should be from a variety of invest- ment companies, This in itself is part of the principle of diversification. While diversification should be practiced by investing with several companies, several asset classes should also be used. These would\include domestic and foreign equities, bonds, money market and real estate. The mix of these asset classes should be exam- ined regularly and the pro- Portion adjusted accordingly. This is known as asset alloca- tion. It is the single most important concept in success- ful investing. Deductions should be maxi- mized as should deferrals when tax planning is consid- ered. Comprehensive tax planning should be done. place in the form of seminars and investment forums and “meet the managers” ses- sions, u will know if your plan- ner is qualified by the knowl- edge imparted to you. Formal education will most likely give way in importance to Practical knowledge and integrity. One way or another you should receive continuous Support and the opportunity to discuss the situation. On an annual basis you should review your plan including a reevaluation of your goals and objectives, our ‘financial advisor should be part of a team to ensure continuity to your financial life. This is a check list to look Members of the public are welcome to apply for a position on the AUDIT COMMITTEE he : of tl ; Halton Board of Education Two community members will be mance yielding you a few extra points in return. This type of service is avail-~ able to ordinary investors today. Efficient systems have made this service available to us all rather than just the wealthy as in the past. and Partner in Money Concepts, Halton Hills, He can 873-1877. contacted at (416) business management Relevant qualifications to; P.O, Box LR joverned by the Conflict of Interest legislation viduals should send a letter by October 22 stating Halton Board of Education 2050 Guelph Line 5005 Burlington, Ontario 322 K SPECTACULAR oak can be ite. Made in FIRST.IN CANADA! If you like solid oak and leather, come and see our “Pursuing Excellence in Education ‘Through Commitment and Service” exclusive designs from Holland! The. warmth of Soli Dave Coons Bob Williams oak is beautifully accented ws the top grain leather. it Director of Education Built and guaranteed to last a lifetime. LET’S TALK! WAS $2699 [SOFA 23, NOW +1599 CONSULTING & TraINING Windows & DOS Computers & Sortware Confused by Windows, DOs, 386's, 486's? e Are you starting a home based business? Do you need assistance with the selection or installation of computers and software? Are you planning to install a Lantastic, Windows for Work- groups or similar network? Is your computer ‘System crashing and driving you Crazy with ‘bugs’? (cert mee: J BEDROOMS! BEDROOMS! BEDROOMS! This contemporary bedroom suite combines modern styling with authentic woodgrain finish. It features a wall unit storage system plus triple dresser, mirror and ire. 10-Pc. BEDROOM szscoNOW $1499 INCREDIBLE VALUE! lece bedroom suite features a pares si 8 Pc. BEDROOM ae nah CANADA | $1999 NOW $742 Ri o Bean us for your computer and =n software consulting and training! - FAST DELIVERY « FREE LAYAWAYS. EASY PAYMENT. PLANS - 100% SATISFACTION ONTARIO CHESTERFIELD | presen WHOLESALERS CCR NINES) = MILTON (ACROSS FROM 4488 LUMBER) | M.A. LAMOTHE & Associates INC. 10 Oak Ridge Drive Georgetown, Ontario L7G 5G6 Telephone: (905)877-2203 Fax: (905)877-4811 E + ERIE ST. STRATFORD (519) 271-4488 3 LOCATIONS To SERVE YOU + GUELPH AUTO MALL (519) 763-4477