The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

mber 27, 1994 â€" 10 | (Continued from page 7) Living with Cancer meeting, 7 p.m. 6 Cancer Society office, 51â€"635 Fourth Line. 2 Group helps provide support and practical x guidance to patients, family and friends. C Guest speaker, video or other activity may i be planned for evening. Sponsored by S Canadian Cancer Society. No charge. $ â€" Loyola Parent Council and The $ Enchanted Goose (handcrafted gifts),125 Lakeshore Rd. W. invite you to shop for Chirstmas â€" 10% of all sales to purchase computer equipment for Loyola. Multiple Sclerosis Society, Halton n Oakville Beaver Unbelievable savings on: TVs VCRs Microwave Ovens CD Audio Stereos Answering Machines Telephones Clock Radios Tape Recorders Bread Makers Watches JiL p.m., Suiteâ€"219, 2349 Fairview St. Burlington. Call Mary 681â€"8770. Oakville Community Centre for peace, ecology and human rights presents viewâ€" ing of Schindler‘s List. $3 and $2 for memâ€" bers. 148 Kerr St. Information: 849â€"5501. Bronte Legion ladies auxiliary (Branch 486) Bingo, 6:30 p.m., Mayfair Bingo Hall, Speers Road. proceeds to charâ€" itable, religious and communityprojects Auditions for Oakville Drama Series production of To Kill a Mockingbird, 7:30 p.m., rehearsal facility behind Speedy im ee cOe e d ty _ UR t Saturday, December 3rd Sunday, December 4th from 10:00 ‘til 4:00 The Mainway Arena Auditorium, Burlington (corner of Mainway Walkers line ~ just North of Q.E.W.) ~Enjoy 45 Selected Craftpersons ~ Become Eligible for a Door Prize with a Donation to the Burlington Food Share Admission is Free If you have too much to do and too little time to do it, Merry Maids can help! We take the hassle out of housework with regular weekly, biweekly or special one time cleaning services. For your security, we pay workers‘ comp and all our professionally trained cleaning teams are bonded and insured. We tailor our service to meet your needs. 847â€"2210 Gift vouchers available. CITIZEN EL ECâ€" ER:Oâ€"N | CS 455 Gordon Baker Road Willowdale, Ontario D P33 h hedc en l Serving more than 125,000 customers nationwide. @ Autoglass, Speers Road. Big cast; all types needed. Oakville Legion (Branch 114) 136 Church St. Line Dancing, 7 to 10 p.m. upstairs, Normandy Room. The Association for Bright Children, Halton chapter meets 7 p.m. C.H. Norton Public School, 2120 Cleaver Ave. Burlington. Speaker Dr. Anthony Laws on private psychoâ€"educational assessment. Information: 257â€"1258 or 335â€"1736. Women‘s Information and Support Centre presents Back to School with Marg Campos, Adult and Continuing Education, Halton Board of Ed. at Women‘s Rudolph‘s Kitchen 1 _ On Your First House 1 Cleaning Service from merry 847â€"2210 New customers only. Not valid with other offers. Expires 30/12/94 Monday â€" Saturday 10:00 a.m. â€" 6:00 p.m. Sunday 12:00 p.m. â€" 5:00 p.m. L. CO BR First Come â€" First Served Employment Network, Hopedale Mall, Suite 230, 9:30 to 11:30 a.m. Call 8§47â€" 5520. No cost. Knights of Columbus (Marian Council 3881) celebrates its 40th anniverâ€" sary with a memorial Mass, St. Andrew‘s Church, 7:30 p.m. After Mass, special preâ€" sentation made in the Marian Room of the parish centre honoring war veterans. 540 Golden Hawks Royal Canadian Air Cadet Squadron meets, 6:30 to 9:30 p.m., T.A. Blakelock High School. Fully coâ€"educational program is open to youth 12 «Chicken Souviaki Dinner Platter * Beef Stir Fry * Feftuccine * Steak Dinner Primavera WEDNESDAY * Fajitas â€" Beef, Shrimp or chicken * Souviaki Platter * Chimichangawith Mexican Rice All Dinners include Soup or Salad Dessert to 19 years. Call $25â€"9685 and leave mesâ€" sage or Commanding Officer, 849â€"4581. Peel and Halton Brain Injury Association meets, 7 to 9 p.m., Consumers Gas Building, Blue Flame Room, 950 Burnhamthorpe Rd. W., Mississauga. Speaker Sandy Brennan, behavourial speâ€" cialist, Midwest Rehab Centre on Behaviour and Acquired Brain Injury. Call Trish Robertson, 922â€"6222 or leave a mesâ€" (See Update page 11) * Pan Fried Ocean Perch * Breaded Veal Champaignoi SsUNDAY 4â€"9PM OURFAMOUS _ MONREALAL_ gp DRESSED LARGE PEZA 20 WNCS JCross Ave., Oakuvill (Across from the GO S 9g9 : # PREER DEMVEnYy on MONTREAL SMOKED MEAT e + §42â€"9561 tation) How To Maxke Sure You‘Ll MEET Your Mortaacge Payrments. Q, What percentage of my total * house purchase cost should my down payment be? A* Interest expense on the home ** mortgage is a nonâ€"tax deductible interest expense. Thereâ€" fore, the more you put down on the house the lower your interest costs and the sooner you can pay off the mortgage. Firstâ€"time buyers â€" those who have never owned a house, or at least not during the last five years â€" can put money into an RRSP and then withdraw it 90 days later for a down payment (up to $20,000 per spouse) and still claim the RRSP tax deduction. You can use the tax refund to pay toward mortgage principal. If you can borrow from parents or relatives to enhance the down payment, even better. Keep in mind that in 1995 in most Canadian markets, real estate may not outperform other investments such as equity mutual funds and even GIC‘s. I would recommend a minimum down payment of 25 per cent. With volatile house prices, those who put down only 10â€"20 per cent could lose it if the market takes a sharp down turn, as it did between 1988 and 1994 in most Canadian cities. The more you put down, the lower the risk you create for yourself. Q. We want to pay off out â€"* mortgage as quickly as possible. What would you recommend? A. There are any number of * strategies that you can adopt to achieve the desirable goal of Advertorial paying down your mortgage quickly, Here are some of my recommendations. 1. Put money into an RRSP cash year and use the tax refund you get to pay down the principal. 2. Avoid fiveâ€"year fixed mortâ€" gages when interest rates in shortâ€" term variable mortgages are cheaper. You pay more principal and less interest. 3. If you can afford it, reduce the amortization on the mortgage from the usual 25 years to 15 years. You pay more principal and less interest. 4. If you refinance your mortgage at a lower rate of interest pay the same amount you did in the past, so you are paying off more principal. 5. If one spouse is at home, establish a home business. Expenses such as, say, oneâ€"sixth of property taxes, insurance, interest, utilities (if you have a 6â€"room house) can be taxâ€"deductible from the home business income and make it largely taxâ€"free. Just make sure that the spouse working out of the home does not have any other place of business. 6. Learn to conserve your cash and forego consumption. Most mortgages have penaltyâ€"free 10 percent prepayment clause if you have the cash. | | Real Estate | ... The Bottom Line Dan Cooper is an awardâ€"winnin, Associate Broker with Countrywide Town Centre Realty Inc. and can be reached at 338â€"6550.