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www.oakvillebeaver.com The Oakville Beaver, Wednesday January 16, 2008 - 19 I'm Still Here at Maple Grove I'm Still Here will be staged at Maple Grove United Church on Sunday, Jan. 27 to recognize January as Alzheimer awareness month. The play will take the stage at 7 p.m. at the church located at 346 Maple Grove Dr. It will be presented thanks to the Outreach Committee of Maple Grove United Church, along with the Alzheimer's Society of Hamilton and Halton. The event will be an open evening to introduce people to the considerations and reality of those who are caregivers to family and friends suffering from Alzheimer Disease. This research-based play had its live debut in 2004 and continues to play to great acclaim. I'm Still Here is based on findings from research conducted with people living with Alzheimer disease and related dementias and daughters whose mothers were diagnosed with Alzheimer Disease. I'm Still Here will enhance understanding about what it is like to live with the disease and dementia as well as what it is like to be a caregiver for those suffering from the disease and dementias ­ using the words of these individuals themselves. The upcoming performance will be followed by a question and answer session. For information call 905-845-5721. Donations will be accepted. WORRIED ABOUT YOUR MUTUAL FUND PORTFOLIO? YOU SHOULD BE... Anton Tucke Vice Preside Partners Inc. anton@tridelt Web site: ww Mutual funds carry many risks an Have you heard of `portfolio m aspect is reason enough to consi Most of us own at least a few mutual f for `long-term' growth. What most o associated with mutual funds, whic lack of knowledge provides investor The mutual fund industry will a information is provided to all in `prospectus' although few of us ha make an informed investment d Fidelity Funds Simplified Prospect 15 `specific risks of investing in mu Aside from the huge cost of investing in mutual funds, let's consider another reason to avoid mutual fund investing altogether. The existence of `mutual fund portfolio manager mandates'. This is an authorization provided to portfolio managers ensuring they act in a particular way. It typically restricts and forces portfolio managers to maintain a minimum percentage of stocks in their fund, which makes sense for a variety of reasons except when the portfolio manager believes it appropriate to sell. Let's assume for example you own a US equity fund and market conditions suggest the US Dollar will weaken significantly against the Canadian dollar (sound familiar?). The portfolio manager who is likely to be very good, knowledgeable and professional is however constrained by the `fund mandate' to hold say 85% in US equities. The manager has very limited options because of this and as a result the fund performance suffers accordingly. Furthermore the manager is not necessarily penalized because his/her performance is only measured against a relevant benchmark, something like the US equity index (S&P500) and not on pure performance. So in theory the fund may return negative returns, say -10% yet if the benchmark S&P 500 was down -12%, this manager would have done well to outperform by 2%. Hardly a place I would like my money invested. At TriDelta Financial Partners we believe that investment portfolios should be; Managed by a professional investment portfolio manager and not by a broker who typically wears many hats (salesperson, investment manager, administrator, client service manager) and has little time to focus on your portfolio. Managed whereby the portfolio manager has discretion to adjust the mix and holdings depending on market, economic and other variables. This will ensure that any maximum risk undertaken to achieve growth can be reduced when unfavorable conditions prevail. Crafted specific to your unique financial situation and investment profile. We develop an investment policy statement together with our clients, which acts as a brief and provides the blueprint of how the portfolio must be managed to achieve your goals (growth percentage, income requirements, maximum level of risk, asset allocation etc) Be fee based and contain no hidden costs. Furthermore provide the ability for at least a portion if not all of the fees to be tax deductible. TriDelta Financial Partners offers holistic financial planning advice. We take the time to craft unique solutions that are appropriate to your particular situation, this stems from our belief that the best solutions can only be found through consideration of your entire financial picture and not viewing investments, insurance or estate planning in isolation. Anton Tucker, CFP, FMA, FCSI is Vice President at TriDelta Financial Partners Inc. Web site: www.tridelta.ca ­ a fee based financial planning a firm servicing the Oakville area. Anton can be reached at 905-901-3429 or by email at anton@tridelta.ca TCRA hosts AGM The Trafalgar Chartwell Ratepayers Association (TCRA) Annual General Meeting is Wednesday, Jan. 23. The meeting is at 7 p.m. in the Oakville/Trafalgar Rooms at the Oakville Town Hall, 1225 Trafalgar Rd. Mayor Burton and Ward 3 Councillors Mary Chapin and Keith Bird will discuss local issues. Members will also elect new TCRA Directors for 2008. FOOT PAIN? Roger D. Newell, D. Pod. 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ALL YOU HAVE TO LOSE IS YOUR FOOT PAIN! No referral required. DON'T DELAY. BOOK NOW.ALL YOU HAVE TO LOSE IS YOUR FOOT PAIN! No referral required. uired. 905.844.0680 · 627 LYONS LANE #205 OAKVILLE (OFF CROSS AVE.) HEEL PAIN Usually most painful when rising in the morning - and getting moving after sitting - caused by a weakness of the main arch band pulling on the heel bone. The pain can extend into the arch or ankles - called plantar fasciitis or heel spurs. Generally can be eliminated WITHOUT the need for invasive surgery, painful injections, dangerous drugs or long recovery time. Effective conservative care can include comfort orthotic supports made from state-of-the-art lightweight materials fitting easily into regular shoes, physical therapy or home remedies. 8 Locations To Serve You Better! 905-849-4998 www.aireone.com 1-888-827-2665 Retirement's Closer Than You Think. Fortunately So Are We. How you spend your retirement depends on how well you save for it. That's why so many of our customers are turning to their State Farm® representatives for guidance in choosing products like mutual funds, RRSPs and RRIFs. Isn't it time you did, too? RRSP Deadline - February 29th, 2008. Column Provided by Tridelta Financial Partners The opinions expressed in this column are those of the author p p f and do not necessarily represent the views of this newspaper. Peace of Mind ... ... the most Valuable Service we Provide Anton Tucker CFP, FMA, FCSI 905.901.3429 anton@tridelta.ca www.tridelta.ca OAKVILLE NORTH YORK MISSISSAUGA THORNHILL Darryl Demille CFP State Farm Representative 1226 White Oaks Boulevard Oakville Bus: 905-842-1020 www.darryldemille.com Deborah Bartucci State Farm Representative 586 Argus Road, Suite 104 Oakville Bus: 905-337-3276 www.deborahbartucci.ca Daniel Durst State Farm Representative 1500 Heritage Way, Suite 7 Oakville Bus: 905-847-1898 daniel@danieldurst.com Angelo Gualtieri State Farm Representative 3040 Trafalgar Road Oakville Bus: 905-257-7773 angelo.gualtieri.b16z@statefarm.com Andrew Heideman State Farm Representative 2828 Kingsway Drive 2nd Floor Oakville Bus: 905-829-0018 andrew@andrewheideman.ca Tim Trian, CFA - Portfolio Manager Laura Trian, CA., CFP CIM - Associate Portfolio Manager , Vi i h // i d d lh 200-2908 South Sheridan Way, Oakville Tel: 905-829-0600 Stephen Ostapchuk State Farm Representative 1325 Eglinton Ave E, suite 228 Mississauga Bus: 905-238-5643 www.stephenostapchuk.com Stacey Sutherland State Farm Representative 243 North Service Road W, Suite 100 Oakville Bus: 905-339-3276 www.insuranceinoakville.com Live your dream. Increase your Net Worth. Ca I'll show you how. Philip Mathew, B.A. Sc., MBA 905-634-6021 www.philipmathe Investment Planning Counsel I P C I N V E S T M E N T C O R P O R AT I O N TM statefarm.ca ® Mutual Funds are not insurance products and are distributed through representatives of State Farm Investor Services (Canada) Co. State Farm Investor Services (Canada) Co. is a separate legal entity from State Farm Mutual Automobile Insurance Company, or any of its insurance affiliates. Please read the AIM Trimark Investments simplified prospectus before investing. Commissions, trailing commissions, management fees, and expenses may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. P079004CN 11/07 State Farm Investor Services (Canada) Co. - Aurora, Ontario 627 Guelph Line, Burlington, Ontario L7R 3 M 7