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Saving for the down payment on your first home has always been difficult. Now Canada Mortgage and Housing Corporation has just made it a bit easier. CMHC‘s new First Home Loan Insurance package can put you into a home of your own with a down payment as low as 5%. That means you can buy sooner because you don‘t have to put as much aside. Just as important, the sooner you buy, the sooner you can protect ourself against future cost increases and he sooner your investment could start to grow. Of course, a lower down payment can also free funds for other important purâ€" chases such as drapes, furniture and appliances. New or Resale! It‘s Your Choice. The home you buy can be brand new or it can be a resale home. But it must be your first home. You can finance your purchase with a first mortgage or a combination of a first and second mortgage. No matter where you live in Canada, ou may qualify for CMHC‘s First ome Loan Insurance. And the rates are the same everywhere. It‘s easier to get financing. Moytgk e lending involves some degree of risk,. When CMHC insures a loan, they take on the risk so Approved Lenders can feel confident about the loans they make to home buyers. This means more Canadians can have access to mortgage financing than would otherâ€" wise be the case. Check These First Home Loan Insurance Features Loan Amounts Maximum mortgage loan is 95% of the Makeover contest at The Bay a stunning success ADVERTISING FEATURE Three lucky winners of the Spring Makeover Contest at the Bay, Oakville Place have a lot more to smile at when they look in the mirror these days. Oakville residents Louise DiFrancesco, Vicky Flett and Adeline Cormack were treated to a new hairstyle, color analysis and cosmetics makeover, and a wardrobe conâ€" sultation by a Liz Claiborne speâ€" cialist. They also received a $100 gift certificate from The Bay, a Lancome gift basket valued at $75, and a special gift from Liz Claiborne. The cosmetics, and clothing companies coâ€"sponsored the event, which took place at The Bay April 14, 15, and 16. One winner was chosen from each of the following age cateâ€" gories: 18â€"29 years, 30â€"49 years, and 50 years plus. To enter, famiâ€" ly members, friends and coâ€"workâ€" ers sent a photograph of their nominee to Oakville Beaver sales 3 36 CHAMPIONSHIP HOLES 3 DRIVING RANCH 336â€"3660 SE o. w\ l Ofidden P %?wm;/w% TOR.: 338â€"4875 1137 #1 SIDEROAD, BURLINGTON The finale took place on Saturday, April 16. In the mall entrance of The Bay, a Lancome representative discussed the stratâ€" egy behind each makeover while the winners were transformed. After a short break, they reapâ€" peared to unveil their chic new look. Pat Guitard, manager of The Bay, Oakville Place, would like to congratulate the winners and thank everyone who sent in an entry. She says the event was so successful, plans are in the works for a similar promotion in the fall. "We‘re very pleased to have been able to help create a new look for our wonderful winners." representative Stacie Roberts, along with a brief note explaining why they thought she should receive a makeover. On April 14, The Bay hosted a well attended accessory workâ€" shop for the public, with a repreâ€" sentative from Liz Claiborne. lending value of the home. Mortgage Term : Minimum mortgage term is 5 years. Maximum House Prices In goreater Toronto and Vancouver areas: $250,000 In sixteen other centres with high averâ€" age house B(r)loces as well as northern areas: $175,000. Everywhere else: $125,000. Eligible Buyers Anyone who: _ 3 * buys or builds a home in Canada intending to occupy it as his/her princiâ€" pal residence; and _ o e f * has not owned his/her principal resiâ€" dence at any time during the last five cars. here there is more than one buyer, only one has to be a firstâ€"time buyer as defined above. Income and Payments _ Buyers may qualify for First Home Loan Insurance if they can meet payments for principal, interest, property taxes, heatâ€" ing and 50% of condominium fees withâ€" out consuming more than 35% of their gross family incomes. A qualified buyâ€" er‘s total debt load (the amount owed for all debts, including house payments) will not exceed 43% of gross family income. Dan Cooper is an awardâ€"wmm Associate Broker with Coun Town Centre Realty Inc. and can be reached at 338â€"6550. [O ig Bike is coming to Oakville. A 50â€"foot long, 30â€"seat bike L»* will take to the streets of downtown Oakville to raise funds and awareness for stroke, Canada‘s most neglected disease, on Saturday, April 30th. To date, three organizations (Canadian Imperial Bank of Commerce, Oakville Public Library, and Searle of Canada), have conâ€" firmed their participation in the first Big Bike Ride for Stroke, 10 a.m. to 2:30 p.m., at Lakeside Park. The route will circle along Front, Dunn, Robinson, Trafalgar, Lakeshore, Allan, Randall, Navy, loop around Lakeshore, Trafalgar and Robinson back to Navy, ending back at the park. Riders needed for Big Bike Ride 20%» DOWN ON VISA or M.C. AND MONTHLY PAYMENTS BASED ON 36 MONTH PAYMENT PLAN AI! syslems include 4 MB FAST RAM (70 N.S.), mini tower, or deslclop case with 200w power sugpry 1 44 or 1.2 MB mfgy drive, 170 MB hard drive ("4 m.s.) Superv monitor 512 K Trident video card, 2S, 1 me port, nhanced keyboard Microsol oompahb!e mouse pad, upgrade to 250 MB hard drive only $€5 Omer upgrades ‘Pleass nall . > 2o csnls n en w t i9 s Informative, practical workshop designed to provide you with information you can use to imâ€" prove your health. This workshop is compliâ€" mentary but limited to the first ten callers. Presented by: The Doctor‘s Speakers Bureau. Guest Speaker: Dr. H. Sandra Simpson, B.Sc., M.Sc., D.C. THURSDAY, APRIL 28th FREEDOM FROM HEADACHES 7:30 p.m. FOR MORE INFORMATION CALL The winners of Spring Makeover Contest at The Bay, before and after are: Louise Di Francesco (top left and immediate right; 18â€"29 years), Vicky Flett (middle left and midâ€" dle right; 30â€"49 years), and Adeline Cormack (bottom left and far right; 50 years plus). Heart and Stroke fundraiser April 30th The Big Bike Ride for Stroke â€" which will be touring across the province from April to October â€" is a pledgeâ€"based, community event that‘s novel, wacky, and encourages team spirit. The Heart and Stroke Foundation plans to raise $300,000 from 200 rides, which will go into a newly developed "Stroke Fund" to specifically support stroke research and health promotion programs. The Big Bike is a 30â€"seat vehicle that a team of 29 can ride (a driver is provided for safety purposes.) A miniâ€" mum pledge of $50 is required to ride the Big Bike. Riders can earn prizes along the way. Each year, approximately 50,000 Canadians have a stroke. A third of MarkEoOovVER Macic! Under the leadership of the Heart and Stroke Foundation of Ontario, new therapies are currently in develâ€" opment that should prevent many strokes; others act to reduce the amount of brain damage sustained when stroke occurs. Fundâ€"raising events like the Big Bike Ride for Stroke are important initiatives which can help the Foundation bring together the public health care professionals and researchers in the battle against stroke. these victims are between the ages of 35 and 65. In 1991, stroke claimed the lives of more than 14,000 Canadians. Q Up to 30% of survivors will require assistance with the basics of selfâ€"care (e.g. dressing and eating). 0 16% will be institutionalized. "The Big Bike Ride for Stroke will go a long way in raising awareness for this much neglected disease," says Sheila Oehm, coâ€"ordinator for the Oakville Big Bike Ride. "In Ontario alone, more than 5,000 people died as a result of stroke in 1991. Further, the cost of stroke is estimated to be $3â€"bilâ€" lion a year." Q Approximately a quarter of stroke victims will die of stroke. Research funded by the Heart and Stroke Foundation of Ontario has shown that many strokes can be preâ€" vented if appropriate medical treatâ€" ment is followed and attention is paid to modifiable risk factors, such as smoking. Almost all stroke survivors recover to some extent. About 80% of stroke survivors return home. If you‘d like to participate in the ride, call Sheila at (905) 827â€"1895, or Donna Loucks at the Heart and Stroke Foundation at 634â€"7732. Corporate teams and individuals are welcome. (416) 201â€"4714 CCA POWER WASHING * Aluminum , Vinyl Siding Eaves. * Windows * Canopies * Driveways Patios * Your Image Reflects our Image FREE ESTIMATES ~% EXTERIOR HOUSE CLEANING