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10 Independent & Free Press, Tuesday,March 22, 2011 Ask The Professionals 1-800-794-5880 Barbara Byckowski Investment Advisor, BBA, PFP, CFP Win a coupon for 50% off a Happy Ad with every question submitted For the Professionals by April 11th, 2011 features@independentfreepress.com or call 905-877-0301 ext. 237 Community Calendar Continued from pg. 9 360 Guelph St., Georgetown, ON PROFESSIONAL COUNSELING SERVICES FREE PRESCRIPTION DELIVERY Theresa Portelli, B.Sc. Pharmacist Thursday, March 24 Consultant on site: A professional business consultant from the Halton Region Business Development Centre will be available to meet with clients one-on-one for an hour at the Acton Library. Whether you're planning to start a small business or expand your existing small business, the consultant is ready to help. Call 1-866-4HALTON to book an appointment. Free job seminar: Links2Care Employment Resource Centre, 45 Mill St. E., Acton 519-853-5014 is hosting a free session, 1 p.m., to provide information on Employment and Re-training programs. Find out what your options are. Limehouse euchre: 7:30 p.m. at the Limhouse Memorial Hall. Sponsored by the Limehouse Memorial Hall Board. All welcome. Seniors Involving Seniors: Partnering Seniors, through Community Living North Halton, invites all seniors to "Seniors Involving Seniors", 1-4 p.m. in the Allendale LTC Auditorium, 185 Ontario St. S. (Milton). This free event to include social, sharing and learning. Please contact your local Senior Centre in Georgetown, Acton and Milton if transportation is required. Bereavement Share and Support Night: Bereaved Families of Ontario-Halton/Peel is offering a general share and support night open to all adults who have lost a loved one, 7-8:30 p.m. at Norval United Church at the house next door, 486 Guelph St., Norval. Info/ to register: Bereaved Families, 905848-4337. 905-450-1850 Email: barbara.byckowski@rbc.com I am in my late 60's and looking going into a retirement home. I need cash flow with a high degree of certainty. Can you provide some options other than the run-of-the-mill GIC's at 2-3%? As a Certified Financial Planner at RBC Dominion Securities, I can shop the marketplace for the right investment vehicles for you. I would suggest we get together and review your financial plan to find out your specific cash flow, estate planning and tax issues to ensure we find the best vehicles for your personal situation for now and the future. Life annuities and insured annuities provide a high degree of certainty in these uncertain times and provide guaranteed income from your portfolio. Both of these strategies are suitable for clients who want or need more cash flow (yield) with a high degree of certainty. Predominantly, the cash flow from the annuity is "return of capital", which is supplemented with an interest amount fixed for life from the onset. This also results in the life annuity being taxefficient since the annuitant only pays tax on the interest portfolio not the entire annuity income. Please contact me for more detailed information. RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member CIPF, ®Registered trademark of Royal Bank of Canada, Used under licence, RBC Dominion Securities is a registered trademark of Royal Bank of Canada. Used under licence. ©Copyright 2011. All rights reserved. Barbara Byckowski is an Investment Advisor with RBC Dominion Securities Inc. Member CIPF This article is for information purposes only. Q: A: www.HomeInspectorsHelp.com Jeff Brookfield www.GetEnergyGrants.ca Some bricks are flaking on my chimney. What should I do? Flaking sometimes occurs on a masonry chimney due to the moisture in the exhaust gases. The moisture gets absorbed into the brick and freezes in the winter when the warm exhaust gases stop flowing out the chimney. When water freezes it expands and over time and this freeze-thaw cycle leads to deterioration of the brick, clay tile, and mortar. The top portion of the chimney is the most exposed area and therefore the most vulnerable to weather. Moisture may also enter the top portion of the chimney from the exterior if the cap is cracked or missing. As well, once the exhaust gases reach the top of the chimney, they may have cooled sufficiently for the moisture to condense, making the concentration of moisture higher at the top. Once flaking has occurred, the brick requires replacement to prevent further deterioration. Qualified masons should be contacted for quotes and a detailed description of proposed repairs. Q: A: I am worried about the nuclear reactor in Japan and a possible meltdown. People are talking about taking potassium iodide as a precaution. Should I? Q: ·INDIVIDUAL ·COUPLES ·FAMILY COUNSELING ·DEPRESSION ·ANXIETY ·LIFE CHANGES ·CONFLICT MANAGEMENT ·PERSONAL GROWTH 38 OAK STREET, GEORGETOWN ONTARIO A: Potassium iodide is a salt of stable iodine, which is needed by the body to make thyroid hormones. It is present in common iodized table salt. After a nuclear event, radioactive iodine may be released into the air and then enter our bodies through our lungs or the food we eat. Since non-radioactive iodine acts to block radioactive iodine from being taken into the thyroid gland, It can help protect this gland from injury. But...... Potassium iodide cannot prevent radioactive iodine from entering the body so that taking it has no protective or preventative benefit. Also, taking potassium iodide will not reverse the health effects caused by radioactive iodine once it has damaged tissue. While it is natural to worry about the events overseas, the Canadian Department for Public Safety is monitoring the situation through national and international networks and based on current information Canadians are not at risk of radiation exposure from Japan. Also, Canadian nuclear power plants, while among the most robust designs in the world, are located in areas where major earthquakes are not expected and tsunami essentially cannot happen. Further information can be found at: http://nuclearsafety.gc.ca (905) 873-9393 HTTP://FORGECOACHINGANDCONSULTING.COM INFO@FORGECOACHINGANDCONSULTING.COM OPEN HOUSE FRIENDS please join us to celebrate PROFESSIONALS Phyllis Mackie's 95th Birthday Sunday, March 27th St. Alban's Church, Acton DROP IN between NOON and 2:00 pm BEST WISHES ONLY Refreshments and Cake WANTED 905-873-3103 333 Mountainview Rd S Georgetown, ON L7G 6E8 Meryl DaCosta B.Sc. (P.T.), B.Sc.(KIN) Registered Physiotherapist, Clinic Manager www.eramosaphysio.com to inform our readers & answer their questions I bumped my head while skiing, I was wearing a helmet, but 3 days after the accident I am still having headaches and some other symptoms, could I have a concussion? A concussion is defined by a disturbance to the brain that can be caused by a blow to the head or violent shake that can result from a fall. Signs and symptoms of concussion include headache, nausea, balance or dizziness, difficulty with concentration, sensitivity to light and or noise. If you do have these symptoms it is important that you consult with a sports physician immediately. They will provide you some baseline cognitive testing and they will also help with you return to your activites. It is important that you do not participate in sport or activity as you can increase your symptoms and suffer a worse brain injury. Q: A: Friday, March 25 Texas Hold'em Charity Poker: at the Lions Hall on Mill St. (behind the Memorial Arena) hosted by the Georgetown Lions Club. Proceeds to benefit local charities and the Georgetown Hospital. Doors open at 6 p.m. and the poker tournament begins at 7 p.m. sharp. Door prizes. Info: Lion Jack Ruck, 416-807-8823. Century Church Theatre, Hillsburgh presents The Farndale Avenue Housing Estate Townswomen's Guild Dramatic Society Murder Mystery. Performances, March 25 to April 3 are on Fridays and Saturdays at 8 p.m., and Sundays at 2:30 p.m. Tickets, $18, available at the Box Office, 519-855-4586, www. centurychurchtheatre.com More CALENDAR, pg. 12 Contact Special Features to find out about our booking specials 905-873-0301, ext. 237 features@ independentfreepress.com