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with Bill Ellis THE STACHE Oops! Just about lost my mous- tache the other morning. You know how it goes guys. Trim a little off the left side then trim a little off the right side. Not even. ‘Trim more left, trim more right, not even. Watch Out! So what is the big deal? Shave like that -- you are not a true moustache man! Any one, well not everyone exactly -- can grow a moustache, shave it off, and grow another. But the REAL moustache man keeps the same moustache! None of this come and go. For the real moustache man the moustache is a trade mark, a badge, a constant in a life of change. You could shave off your moustache and your whole personality might change -- What do you mean - Well? Personally, I have had the same moustache since I was seventeen years old. Suffice to say, that is a long time. It might even bea record if someone kept track of that type of useless information. But I came from a long line of moustachiode men. My great- grandfather had a great huge drooping moustache that req. i him to use a moustache cup. Messy but reasonably effective, though soup was a problem. My grandfather had more of a Hitler style of moustache, which he shaved off in the latter 30's, in great disgust. My father wore one of those thin types, no doubt influenced by some of those male movie stars of the 20's. I have Out at the Ranch Page 6 — Real Estate This Week, Wednesday, November 25, 1992 always had a modified handle- bar type. My son and my son-in- law are now both ri sentable hairy upper lips -- and so it goes. I must admit that I first grew my moustache, at a tender age of seventeen years, because it was i t to me, at that time, that I look older. The importance of looking older was either because of a young lady who was a cou- ple of years older than lor because most of my school bud- dies could pass for twenty-one to get into the local beer hall -- and 1 couldn't get past the bartender. Most likely the latter reason. In any event, my upper lip has not been seen naked since my seventeenth year. You can realize the great risks of shaving it off after all these years. My dear wife has never seen me without a moustache. Why, she might decide that I was not Mr. Right after all. My children might not ize me. And I can just hear Kelly say -- "What happened to your face, Gramp?" You can see that the risks in shaving off the moustache are just too awesome. Why, the guys downtown might even say -- Who is that young looking guy around here lately? -- not realiz- ing that it was just the same old me -- minus moustache. Besides, the picture on my driver's license would be wrong -- and you can't have that happening. Now, -- just one more try to even this up -- trim left -- trim right -- OK. r For the BEST | Classified Rates HIS WEEK ‘ AND This recently renovated and u workshop and highway frontage id HERE - $299,000 ded 3 bedroom home with metal clad enjoys M-2 industrial zoning. dust think of fies and call HEATHER (WHITING) SCOTLAND, Associate RMAC92-77 853-2086. RE/MAX BLUE SPRINGS REALTY (HALTON CORP. I around. eeee | Call us today! l | SCOTLAND Associate Broker 853-2006. JNDUSTRIAL/POTENTIAL RESIDENTIAL $450,000 Currently 18,000 sq. ft. M-1 industrial building. Excellent location {or infil redevelopment to higher density residential. For more particulars on the many opportunities this property offers please call HEATHER Unda RE/MAX BLUE SPRINGS REALTY (HALTON) CORP. ... about home ownership today ing about joining the leagues of Canadians who are making the transi- tion from renting a home to buying one, you couldn't have picked a better time. Government incentives, combined with lower inter- est rates and a wider selec- tion of homes have made the dream of home owner- ship possible for many. I you're currently think- In fact, between one-third and half of current home sales in the province can be attributed to first-time buy- ers. With today's opportuni- ties, many Canadians are discovering that the costs of owning a home can be either lower or comparable to those of renting. If you're ready to take the plunge, consider all the options available to you. Last winter, Canada Mort- gage and Housing Corpora- tion lowered its minimum down payment requirements for federally insured mort- gages for first-time buyers from 10 to five per cent. CMHC's First Home Loan Insurance Plan is designed to give buyers lacking a larger down payment the opportunity to get into the market. And although a smaller down payment will result in a larger mortgage, buyers will be paying less per Time is Perfect for Buying a Home month than they would have a couple of years ago, thanks to lower interest rates. The new plan is slated to be reviewed after two years. RRSPs The federal government also introduced a temporary incentive -- called the Home Buyers’ Plan -- which gives purchasers the chance to use their Registered Retirement Savings Plan (RRSP) cer- tificates (up to $20,000 per person) to build or buy a home. No income tax is deducted from these funds, as long as they're repaid to an RRSP according to the government's repayment schedule. However, the program is only available for a limited time. To take advantage of it, you must enter into an agreement to buy or build a qualifying home and with- draw funds from your RRSP before March 1, 1993. The deadline for closing the deal is September 30, 1993. To retain the tax-deferred status, the money you with- draw under the Home Buy- ers' Plan must be repaid in at least 15 equal yearly installments. If you pay less than your scheduled annual payments, the amount that you don't repay must be reported as This article is provided by local Realtors and the Ontario Real Estate Association (OREA) for the benefit of consumers in the real estate market. income on your tax return for that year. When making your deci- sion to buy, also consider the appreciation of your home over the years and the equity you'll be building up. Say for instance, you pur- chase a three-bedroom house for $145,000. Assum- ing your monthly payments are $1,200 and that this rep- resents your average pay- ment over the next 25 years, you'll pay a total of $360,000 for your home. However, in 25 years, it will be worth about $470,000, assuming an annual appreci- ation of five per cent. Once the mortgage is paid, all you'll have to worry about are taxes, mainte- nance and utilities. And you've had the added advan- tage of maintaining the shel- ter and security that only a home can provide. Other Options If you feel a single family dwelling is still out of your price range, consider a con- dominium, townhouse or semi-detached home. A condominium is a wise choice if you don't want to worry about exterior main- tenance. Whatever choice you make, you'll feel more secure knowing the home you live in belongs to you. ARE YOU LOOKING FOR A PLACE FOR YOUR BUSINESS? These realtors can help you locate a commercial property to suit your fo cee iness. 1 ideas and we will try to accommodate them. Space a5 150 sq, ft. up to 3,000 in a prime location. $$ negotiable. Call Orval S. | Broker/Owner at (519) 856-2207. GATES, REAL ESTATE BROKER needs. Thi teal |— INVEST IN ROCKWOOD ing offers 2 apartments plus a completely reno- vated retail store. Presently rented month to month, Call Wayne Saunders, Sales Rep. for details at 1-5' CG-53 ROYAL CITY REALTY (GUELPH) LTD. 19-824-9050. Bring me rg aro ene aoe going. Rent or in ir best opportunity to get it lease based on with your rent. Maybe share support staft with ORVALS. Rockwood area, this could be yr income or have another as little Gates RRFEO