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

www.insideHALTON.com · OAKVILLE BEAVER Thursday, January 3, 2013 · 14 Switch off the heater and still stay warm (NC)--During the notorious Canadian winter, January and February are usually regarded as the coldest months. This year is no exception with biting wind chill and snow sweeping across the country. It can be hard for homeowners to bear the cold weather, however it is possible to avoid excessive heating bills with good choices of insulation materials. Industry specialists suggest an effective and efficient heating system requires a solid air barrier and while traditional insulation materials are regarded as economical options, spray foam insulation (like that available from Icynene) is a modern material that air-seals and insulates effectively. Traditional insulation such as cellulose or fibreglass can contribute to unnecessary heat loss due to gaps and holes left behind when installed. Alternatively, spray foam insulation presents homeowners with the opportunity to reduce their heating bills while staying warm throughout the harsh winter. Understanding what products are available allows homeowners to reduce energy bills for a warm winter and be ready for a cool summer. More information can be found online at www.icynene.com. Advertorial te? a t s E l a Re e? t a K l l a SalesSales Representative Representative C Office: 905.338.3737 Office: 905.338.3737 Direct: 905.849.3357 Direct: 905.849.3357 Top 1% for 18 Consecutive years w w w. k a t e v a n d e r b u r g h . c a #4 IN OAKVILLE, #38 IN CANADA! THANK YOU FOR YOUR CONTINUED SUPPORT. After the holiday flurry, hurry to reconsider home insurance (NC)--A sparkling new ring, the latest smartphone, a new flat-screen TV ­ after the gift-giving excitement of the holidays is over, you may find your home filled with more goodies than before. As you clean up the wrapping paper and pack up the decorations, don't forget to review your home or tenant insurance policy to ensure your new gifts are covered. Dave Minor, the vice president of TD Insurance, offers his top tips for ensuring your new valuables are protected: New Ring? Insure that bling. The holidays are a popular time to pop the question, but many blissful couples may be unaware that the sparkly new ring may not be covered under their existing home or renter's insurance policy. Speak to your insurance provider to find out how much your household jewellery coverage covers. You may want to consider extended coverage if some new diamonds or even an expensive watch has taken you oven this limit. Update your inventory of belongings. Making a list and taking photos of your valuables can help make it easier if you have to make a claim. Don't forget to include serial numbers and the date each item was purchased. Consider a security upgrade. Did you know that installing extra security measures like security alarms may decrease your insurance premium? Deadbolt locks and automatic timers on your lights can also contribute greatly to protecting your home. Talk to your insurance provider for suggestions on how to save money while keeping your valuables even more protected. Understand the terms of your coverage. The terms you agreed to a few years ago may be different than the insurance needs you require today, so ask your insurance provider if you still have adequate coverage. www.newscanada.com We Wish You All A Very Happy And Prosperous New Year! $1,074,900 $639,900 STONES THROW TO LAKE WITH IN-GROUND POOL Stunning luxury home with 4+2 bedrms on private lot Gorgeous yard with 2-tiered deck, heated pool & speakers Updated bathrms & kitchen boasting granite counters Finished basement boasts wet bar & surround sound COMPLETELY RENOVATED IN EAST BURLINGTON 3 bedroom 5 level side-split in popular neighborhood Large 60 x 119 ft mature lot with 5 year old in-ground pool Remodeled kitchen with granite & stainless appliances Stunning master bedroom addition adds approx. 600 sq ft KateVanderburgh Sales Representative Top 1% in Canada for 18 Consecutive Years evaluation and a complete presentation of My Marketing Program without any obligation...Call Kate for an appointment. EVALUATION CERTIFICATE This certificate entitles a residential property owner to a free market Office: 905-338-3737 · Direct: 905-849-3357 e? Real Estat Call Kate! kate@katevanderburgh.ca · www.katevanderburgh.ca