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Reverse mortgages require thought Reverse Mortgages allow people who are house rich and cash poor to remain in their homes and borrow * money using the house as collateral. When the owner moves or dies, the loan and the accumulated interest become due. There are many compa- nies offering reverse mort- gages and their programs very considerably. Many factors come into play; i.e., your age, value of your house, interest rates, etc. The money can come as a monthly payment, a lump sum or a combination. Or it can be borrowed as you need it. Which company you choose depends on your needs and the company’s options. It pays to shop First, you must look at your needs - When do you need your money and how much. Be sure to consider infla- tion if choosing a monthly annuity as $500 might be sufficient now but may not be enough in 10 years. Determine the costs - Check the mortgage and annuity rates and ask whether the assumptions about future growth in house values are realistic. Find out what would happen if the house value went up less than anticipated. (Homeowners should request a limited liability clause in the agreement so that estates won’t be held: liable for any extra funds paid out by the lending insti- tution.) Look at the options - Would it be cheaper to sell your house and move toa condo? Would a relative or friend like to buy an interest and share the house? If the money is for repairs, there are grants available instead of the mortgage. These are worth thinking about as the cost of borrowing can be quite high. How flexible is the plan - Can you change your mind about the whole thing or change the amount of the payment? Can you buy the loan out or can your family member buy the mortgage? What type of penalties are included for these changes? If you wish more informa- tion, please call Sue at 853- 3310 or stop-by Acton Social Services and Information Centre at,19 Willow Street North, Acton. Front-end loader smashes car window A red Mazda, passing a front-end loader at the con- struction site on Guelph St. near Maple Ave. in Georgetown, had its rear window smashed and back door dented by the shovel of the loader. According to a police report, the construc- tion worker did not notice the vehicle attempting to pass him and was not able to raise the shovel quickly enough. Car repainted An Acton woman exited her Acton Blvd. home July 9 to find the roof, windshield and hood of her red Pontiac Grand Prix covered with a thick coat of green paint. Police have no witnesses or assault A 34-year-old Georgetown man repeatedly hit his com- mon-law wife about the face and head July 8, causing bruising and swelling to the eye. He was charged with assault and will appear in court August 9. Car rolls 0 A 24-year-old Marsville woman, traveling south- bound on Sixth Line south of 32 Side Road in Halton Hills, was not injured when her car rolled over into a ditch. According to a police report, the wheels of the vehicle hit the gravel, caus- ing the vehicle to spin and eventually roll over. Mailbox vandalism Police are looking for sus- pects who are shoving fire- crackers into rural mailboxes and setting them off. The second incident occurred July 9, on the Sixth Line in Georgetown. It doesn’t hurt to listen By Sally Plackett came across this poem by an unknown author and thought I would share it with Memos from your child Don’t spoil me. I know well I shouldn't have all I k for. Tam \ only testing you> Don’t be afraid to be firm with I protei it. It makes me feel sécure. Don’t let me form bad habits. T have to rely on you to detect them in the early stages. Don’t let me feel smaller than I am. It only makes me behave stupidly “big”. Don’t correct me in front of people if you can help it. I'll take much more notice if you talk quietly in private. Don’t protect me from the consequences. I need to learn the painful way sometimes. Don’t make me feel my mistakes are sins. a upsets my sense of val- * Don t take too much notice of my small ailments, sometimes they get me the attention I need. Don’t nag - if you do, I'll have to protect myself by appearing deaf. Don’t make rash promises. I feel badly let down when promises are broken. Don’t forget’ I can’t explain myself as well as I would like to. This is why I’m not always accurate. Don’t tax my honesty too much. I'm easily frightened by telling lies. Don’t be inconsistent. It completely confuses me and makes me lose my faith in you. Don’t put me off when I ask questions. If you do, you'll find I stop asking and seek the information elsewhere. Don’t tell me my fears are silly. They are terribly real to me. Don’t ever suggest that you are perfect or infallible. It gives me too great a shock when I find out you are neither. Don’t every think it’s below your dignity to apolo- gize to me. An honest apology makes me surprisingly warm toward you. Don’t forget I love experi- menting. 7 I can’t get on without it, So please put up with it. Don’t forget how quickly I'm growing up. It must be hard to keep pace with me but please try. I hope you enjoyed that poem as much as I did. I sus- pect the writer was an adult who obviously brought up children. As a mother of two adolescents, I really can see some important advice in it. Motherhood is one of the jobs we get no lessons in, so listening to other people’s advice is important. Summertime handy tips 1. To keep the containers you have had fresh flowers in fresh, soak overnight in a vinegar and water mix; 2. Make ice cubes of your favorite drinks you serve on a hot day then they won’t dilute the taste of the drink; 3. Natural flea remedy: Put skins from oranges into a food processor until-cut up small then put into a saucepan of water (enough utes. thoroughly. Dampen a soft rag with the mixture and rub onto your pet’s fur. 4, Instead of using gravel at the bottom of your flower ~ pots, use cut-up pieces of sponge. It will absorb water better and keep dirt from sifting out. Quote of the week Promises may get friends, but it is performances that must nurse and keep them. For hints or help on sewing or alterations, con- tact Sally at 873-8500. D ling?...Get results 1 is This Week Classifieds. Halton Hills This Week, Saturday,July'17, 1993 — Page 11 McCALL'S \ GARAGE SALE ONLY 0 Main St. S. Downtown Georgetown 877-7361 LOTS OF FREE PARKING IN THE REAR S21 GARIN SALE SEASON... Make yours a HUGE success! 90 YOU'LL RECEIVE OUR "GARAGE SALE KIT" - * 2 Garage Sale signs * "How To" Sheet * Inventory Sheet 1 col. x 2.5" Display Ad r= 5 ZB 'o ef Chet See = = uN an if (HIS WEEN 232 GUELPH ST., UNIT 9, GEORGETOWN 873-2254 Fax 873-3918