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Page 2 - Haltén Hills This Week, Saturday, ‘August'21, 1993 ‘No study, no go”, say bureaucrats is Enough? And. seny o purchase a policy. How Much Insurance SE “4 By Andrew Mackenzie neurance is a fact of life for Canadians benefit insurance is something you should cnouier voy Fcareftly before you | e problem is com- pounded’ because of the vast number o} ts it has life insurance customers. What is the best solution for people who are looking to buy insurance? Buy the cheapest term policy you can find and invest the difference. This strat- egy will leave the individual with the best opportunity for investment growth and flexibility. The main reason for suggesting this as your best choice is simple; your life insurance needs change constantly over your life-time. Insurance is intended to provide your dependants with enough money to replace your lost income. As on example if you make $50,000 r-you need $500,000 to considerations when deciding how much insurance to get. The other reason for suggesting insurance is aa low cost pe a For $100,000 age, a whole life paler will cost over $1000 per year. The same cov. erage with a term policy will cost rhe dil can be put into an RRSP. Assuming you are in a 40% tax bracket, your tax savings will be $320. The sav- ings will pay for your insurance faster than savings inside a whole life policy. Take the time to check into the facts before buying a whole life pol- icy, you will be glad you did. __ If you have any questions regard- jurance or any other financial planning concerns, please call Andrew at 877-5495 or By Oksana Buhel Commenting agencies on Acton development have conformed to the “no study - no go” philosophy of the Department of Fisheries and Oceans (DFO). Hazel Breton, water resource engineer for the Credit Valley Conservation Authority (CVCA) informed those in atten- dance at Tuesday’s Ontario Municipal Board (OMB) hearing at Halton Hills Civic Centre, her agency will not approve the Master Drainage Plan for Acton without additional hydro-geological situation information, as well as the studies requested by the DFO. The latter studies oblig- ate Halton Region to estab- lish parameters for the Acton waste water treat- ment plant, which, if found JACK AND JILL AL DUMOUCHEL & JENNIFER ROBINSON at Investors Group at 450-1500. " Ad mm \S ALL 93's ARE RED TAGGED TO MAKE ROOM FOR THE NEW MODELS SK4 357 Queen St. East, Acton 9 453-8065 °° sg-20 ** Lease based on 48 months, $1500 and 1st & last required. OAC. Frt., PDI, taxes & lic. extra. Residuals & all factory incen- tives apply. See dealer for details. O.A.C. & availability! 7:30 pm at BARNEY'S BACKYARD beni 232 Guelph St. Georg: (on HOT & COLD BUFFET GAMES/DJ $20 per person $30 per couple tickets available at the door acceptable, will influence DFO, which in turn will influence the Ministry of Energy and the Environment (MOEE), to issue a permit to take water. Catherine Copelin, area planner for the Ministry of Natural Resources, said her agency is also unwilling to approve development with- out a mass balance (base- line of data) study and a process audit, to be con- ducted by the Region. “We are not opposed to development in Acton,” Copelin insisted, “but water quality must stay the same.” She added her agency would be willing to start working with the Region in a process audit study as soon as the Region retains a consul- tant. “We'd like to be involved, and we’d like to get on with it,” Copelin said. “We havea high comfort level this project is pacify concerns establishing an agreement with all commenting agen- cies, which will “meet the intent of” section 37 of the Fisheries Act (dealing with obligations of proponents). “Of course this will not be a 100 per cent ironclad guarantee,” | admitted Copelin, “but it will defi- nitely increase the comfort level of the Ministry (MOEE).” courtesy of 10 Mountainview S, 877-9741 Guelph & Delrex 873-9056 Kor fed. Aug. 18/93} nunead Encore: rriyiy Sal. Aug, 14/93} 06 07 10121637 Bohus: 43 Early Bird 01-35 39 41 LTS UNOFFICIAL * RESUI fice }870-9134 (Lotto 6/49) or 870-9135, i