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Pge.20 — Halton Hills This Wesk, Wednesday Octéber 27):190% PROVEN PERFORMANCE, 877-5165 833-9714 Erin 874-3040 Tor. 873-0655 Res, MARTHA SUMMERS Sales Representative® GLEN WILLIAMS et with superb treed lot. Hardwood floors separate dining room and 4 bedrooms Plus ensuite. This is spe- lal. 93-2-BE SPOTLESS IN NEW fet NEW $223,000 ics LISTING © f. Bright and spacious with lots of charm. Private treed lot with Inground Pool. Greenhouse, sauna and 3+ bed- fooms in Terra Cotta. 93-2-569 CALEDON ULTIMATE Uneauatied privacy on mature mes wih fares Pond, stroam, views rolling land. executive stone & & and batten complato with solarium 2 atrium one to Pulpit Golf Course, 93-2-541 RENTALS [QS LOTS 2 bedroom in Erin duplex on y Is in large lot. $725.00/month - suitable tor he ners. 89,000 Small.2 bedroom home in]45 acres-Erin — Mixed country (south of Erin hese) eee ee us land, pretty views, pave No pets. $650.00/mont todd. $189. (x) LOTS OF CALEDON LOTS Hews of the fall Re edd changing in the Niagara Escorperventts watch the horses in the surrounding . enjoy easy a =dacat el or 410 col Proximity for golf, skiing, ridi and tennis. Priced and $156.000° 35,000 Take your Sisas of 7 available lots. Vendors will hold me fi COUNTRY STARTER — .. 3+ acres with spacious 2 bedroom home with 3-2-260 board & batten guest ar ing or office plus pox barns on 64 pie acres. %3-2-392 F ae 2 ouest Guarters and 93-2-395 THE WORK HAS BEEN DONE Superb restoration with 5 fieiccee and the char- acter of a brick Victor It's bigger than it looks, the land Is being the pond and steam add new fo coun- try living. os 332 HOME OWNERSHIP Ceilings, bright rooms, quiet street, your own Pool. Upgrades include blah lows & n't be disappoint. rid 98:2-358 ROCKWOOD MATURITY PRIVACY Walt until you see this yard — superb! Character’ - A DEFINITE x salt <» UNDERSTATEMENT Open the doors and you Iwill say "WOW", Privacy on 20 mature treed . Location in Caledon. A us ExeC- utive home ready for all ur Needs. 93-2-147 The Leaves Have Fallen and I Cant Get Up By George Perdue, B. Sc. P. Eng. The colours have co: But this year its not just the leaves Tatartet rates have fall- ing dit f recently told me “I can’t face getting up — my income has shrunk so much”. are alternatives. Apparently some dis- and have told people, especially people past the tit investment certificates or Savings Bonds. L. “Never” is a qualifying word. It’s also a lo1 Each person has goals and objectives. Financial goals has for alternatives fo for their investments when they are retired depend, on these objective: Ob; bjectives a built around a sét of beliefs, needs, tolerances, life expectancy and unknowns such as inflation. imes these form con- flicting signals that con- the decision making rocess. For example, a person may believe in security and have a low tolerance for “risk” but have finan- not be met by GICs and CSBs at this time because they offer low interest rates. Another might have a substantial sum investe can live easily from inter- est earned at low rates, be risk averse, but. detest pay- ing taxes. Well, the inter- est from CSBs and GICs is taxed 100% at your mar- -ginal tax rate. Current inflation i is 16% ielding a net yield or. 2.1 po before taxes. If who is security minded ite in these low inter- all, know your- self md your objectives. tives and the specifics of how the various invest- ment T ‘oday we are finding all sorts of “deals” on GICs e insti- tution wants y at low interest rates e4 i they can invest at higher Miles. ite, the best rate for a ores GIC is is in your best interest to get the ighest return for that por- tion of your money in this type of investment, It makes a substantial differ- ence to sot or yield. Watch hed to the various options: It can be mislea in the 5 Dividends’ give a toy advantage a and yield as Hor hos fine elit are will- CSBs and. GICs re belong di in most portfol Concepts, Halton Hill: can be contacted at (416) 873-1877, GENTLEMAN FARMERS — 47 ACRES Privacy - A must to see! 93-: UR FAMID Bont here on 29 privat with bright custom. teen with ‘sun- plus cozy ‘mnie, foom, om eo outbuilding, paved di su GEORGETOWN CHARMER iture lot - home filled character. Fireplace bay window in living foom, pine floors, - pretty rae mature yard ~ walk to GO. Reduced $159; 93-2-431 | TODD SIMPSON INSURANCE SERVICES insurance dwelling - farm b RR. #5 CALEDON EAST ONTARIO LON1EO Specializing in home & farm Personalized service Full Replacement cost available for il uildings Discounts available * Payment Plans SERVICE ISN'T JUST MY NAME. IT'S.MY BUSINESS | 1-800-268-4393