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~NewMorgag Rues or prig 210 ou havo exeellent Cavans fo mpang 2010ou hom pricog and great JonIAfmb hat do thoy !J t o l mortgage rates. MotaeAgent Cao you stili purchase with 5% struggltng t0 save up a hefty mortgage platnner can explain ail of M Mrtgage down? -downpayment, you can purchase the detatîs. Ail !Jou need isg an Yes, as long as you rr planning in with less than 5% down. In tact, the Ls qualifying for a niortgagr thte x etm r a epln hv nte oe ncesdzero-dosen mortgage can be a same? Fxu otgg ln ~~downpaytnents only apply ru those treedu fianil o sî , frepoe uestkn Ma.h te t who are purchasing investment aloing you 10 gel ino the Ys o mlydbyr aig < 3,era,#0B poete or second hoe. houing market and stant building fie îerm offv erso ogr quiC of homes.e0 there aedeuails h 'fno change for mortgage th11u Poily Can you buy, wit less th. 5% or 'hto bawroad qufing. if you opt for a shonter tIaR O I pe auJ As your loca dowopaymwrrofan q't'y E A Uyurloa with - d10 -t you still need te have money set rtit or lower rate, qualifyittg wtll Cal toda!I 12 ~~~~mortg2ge planner Yes, if you have reasonable income aside for clostng costs. Voue still bc edoth veyafid 5security and good credit but are rate. John Cavait is an Approved Mort gage PIonner with Mort gage Architects. Mort gage questions and concerns con be directed tojohn Cavans office, locaied rit 14 Martin St., Milton. John cari be reacited by phone: 905-878-7213 or by email: john.cavan@mtgarc.ca. John Cavons website is wwwstressfreemortgage.ca. Contact john toclay about your stressfree mortgage opportuiaties. A true green yard, clears the conscience and offers convenience Electric yard equipment like mow- ers are a great way to keep your t yard truly green (NC)-Being environentally conscious is becoming a priority for many Canadians - mont choose options such as îaking public transit, car pooling, or driving hybrid vehicles. However, there are stili many who have nol switched over from using gas powered yard tools, such as lawn mowers, to cleaner options. According îo Statisties Canada, gas-powered lawn equipment releases approxi- nsatclv 80,000 tonnes of cinssons tri Canada esery ycar, ustog 151 msillion littres ni gasoltine. There are many eco-fniendly alterniatives avaîlable. The obvious choice is t0 opt for muscle powcred equîpmenl, such as a simple push m-ower, which is gireat for sinaller yards that require litîle maintenance. Hoseever, for medi- um 10 large-sized yards, addiîional power is ofîen needed. Elecîrie yard tools and mowers provide the addiîional power seithout the pollution. These tools are sîarîing te, become more popular as they help cul smog emissions, reduce noise pollution, and cul operaîing cosîs in halE when compared bc traditional gas powered tools. "Over the past five years, we have seen huge growîh in the electrie mower segment," says Robert Crnkovie, group manager aI Black & Deeker Canada. "We have hegun 10 value of going gas-free, both from an environmental and convenience perspective. Our current 36v family of cord- less mowers bas the ability bo cul a îypical one tbird acre yard with juat one charge without any of the noise, mess or emissions that often frustraîe consumners." Some electrie mowers feature additional innovations 10 miake life casier, such as convenient push hutton starts, andl (oc toutt li cight atcjttstinent. 5lj ustttlg yottr niower's hcîghî wtll help your lawn be thc envy of thc neighbour- hood- The general vole is lu îlot cul grass 100 short and remove about one-third of the grass leaf. Cuîîing more .could damage the root system and expose your lasen to weeds. As well, electric yard equipment needs much less maintenance and does nol require you 10 make trips 10 tbe gas pump. Making liec greener can start in one's own hackyard, wtth convenient, energy-efficient lawn care produets. You can learo more on how you cao help the environment sehile taking care of your lawn online aI www.black&deck- er.com. www.newscanada.com Your outdoor chores tip sheet (NC)-Carson Arthur, host of HGTV's Green Force andGlobal TV's Room 10 Grow, shares bis top lips for making the mont of the warm weaîher andC geîîing îhrough C those ouldoor chores and projeets safely and efficient- ly: 1. Set Priorîiea - tdenîîfy the mont important projeets, such as fixing the col- lapsing reîainîng sealI in the garden. Anything that bas a potential îo become big- ger and more destructive in the future should be first on the list. 2. Budget - Figure out your budget for your ouîdoor projecls and chores and stick wiîh il. This will also, help you set your pri- orities. 3. Enlist a Professional - Know youc own skill level. If your job at hand is out of youc league, hire a profes- sional 10 help you gel the job donc righl. lî could save you a lot of lime. Don't take any risks. CWear safety glasses, steel îoed-boots and garden- ing gloves 10 protect you from bodily iniury. A hidden risk that many people don't know about is lelanus. If you cul or injure yourself sebtle workîng out- doors, there's a chance of being exposed 10 tetanus bacteria. Tetanus doe.sn't just Iurk in rusîy nails, il's also in dirt, soil and dust. In order 10 stay proîecîed, yoîî need a tetanus booster every 10 years. 1 encourage people 10 talk te, their doctor or visit their local clinic lu find out if they are proîecîed, and gel a booster if they're flot up-to-date. More information about telanus can be found at www.immunize.ca. www.newscanada.com E L Flssl ltsests \dsIE ,airpE)«ar «at... vwwwmlnoem ianch 1 n k J