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Pa ge 3 0 T hu rs da y, A ug us t 2 0, 2 01 5 - T he IF P - H al to n H ill s - w w w .th ei fp .c a Mayors' Annual Fall Seniors Forum Government and You: Building A Healthy Caledon Together Register now! Don't miss this unique opportunity to hear about local government programs and services available to you. This Forum will be part information session, part mix and mingle. Presentations will highlight exciting Caledon opportunities for seniors, and there will be plenty of time to network. If you require transportation to get to the venue, please just ask! We are happy to help. Event Details: Wednesday, September 16, 2015 at 1:00 p.m.Caledon Community Complex, Hall A & B Registration & Further Information: Phone: 905.584.2272 x.4156 Email: mayor@caledon.ca www.caledon.ca/seniorsforum, or Visit your local branch of Caledon Public Libary or visit Town Hall 6311 Old Church Road Caledon, ON L7C 1J6 www.caledon.ca T. 905.584.2272 | 1.888.225.3366 | F. 905.584.4325 What happens if I don't pay my mortgage? ASK THE PROFESSIONAL Amortgage at its core is a loan of money in which your property is the security, or collateral, for the repayment of the loan. If you default on your loan, the lender is entitled to the security. With respect to mortgages, the lender (ie: mortgagee) has a variety of rights and remedies: it can sue you for repayment, take possession of your property, or foreclose, among others. The most common remedy, however, is the Power of Sale. Built into your mortgage contract is a provision that simply allows the mortgagee to sell your property after you've been in default for a certain period of time. The mortgagee must also provide adequate notice, and you would have a chance to bring your mortgage into good standing. But if you don't, then you might just find your property listed for sale. Even after the mortgagee sells your property, if the proceeds from the sale fall short of the amount owing, the mortgagee can sue you for the balance. On the upside, if the proceeds of the sale exceed the amount owing, you are entitled to the surplus. 33 Main Street South Acton, ON L7J 1X3 Tel: 519-853-1330 Fax: 519-853-4645 Email: macchap@on.aibn.com Mark Hilliard Mackenzie & Chapman Barristers and Solicitors The advice offered in this column is intended for informational purposes only. Use of this column is not intended to replace or substitute any professional, financial, medical, legal, or other professional advice. We work for you. legal matters Q A REAL ESTATE LAW 905-877- 6183 annscartage@hotmail.ca www.annscartage.ca Ann's Cartage Home, Office,& Piano Movers OVER 47 Years Moving you locally and across Ontario for •New Look •New Trucks •Same Owner •Same Great Service Head for the Hills Craft Beer Festival is featur- ing local musicians to set the mood for a day of beer-tastin' fun in the sun. Come out on Saturday, Sept. 19 to kick back, listen to tunes, and grab a unique craft beer or cider with friends. Buskers will dominate the stage from 12-4 p.m., giving Halton Hills the chance to showcase rising talent in the community. Dayfoot is the � rst band to take the stage, playing folk music, 4-5 p.m. Day- foot is a young band, but they are not new to jamming with local audiences. You may have caught a show of theirs at � e McGibbon or � e Shepherd's Crook in Georgetown, Fionn MacCool's in Guelph, or � e Central in To- ronto. � is ambitious band is homegrown in Georgetown and is on the move! � e � ve band members (Douglas Richard Sinclair, Vince Schaljo, Matt Wittmann, Jasmine Martyniuk, and Stephen Dayfoot) released their � rst al- bum in February of this year and plan to re- lease a second album soon. Visit dayfootband. com to hear more. Headlining at the festival is Mountain Lion Trappers, a band known throughout the GTA for their legendary covers. Mountain Lion Trappers was formed in 2005 and has since played in Mississauga, Burlington, Oakville, and Georgetown. Spanning music from 1950s to present day, this seasoned group o� ers a wide variety of music that is sure to get the fes- tival-goers at the Trafalgar Sports Park. Taking the stage at 5 p.m. and playing until the event's close at 6 p.m., Mountain Lion Trappers will be sure to � nish Head for the Hills on a high note! Visit www.headforthehills.ca to buy tickets or learn more. Mountain Lion Trappers, Dayfoot to play at Craft Beer Festival By Victoria Fraser Head for the Hills Craft Beer Festival Trappers, a band known throughout the GTA for their legendary covers. Mountain Lion Trappers was formed in 2005 and has since played in Mississauga, Burlington, Oakville, and Georgetown. Spanning music from 1950s to present day, this seasoned group o� ers a wide variety of music that is sure to get the fes-