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Calvary Chapel Oakville is now holding its Sunday morning service at Film.Ca Cinemas. Its first service at the 171 Speers Rd. location was Feb. 1. Those who attend at 10 a.m. will take part in times of worship, prayer, a Biblical message from Pastor Pat Calvary Chapel now holding Sunday services at Film.ca Cinemas Sieler, and children's program for newborns through to Grade 5. A senior pastor from Miami, Fla., Sieler moved to Oakville with his wife, Janet, and their three children, five years ago to take over the leadership of the church. A special, "meet-the-community" service is scheduled for Feb. 15. Those who attend are asked to bring a canned food item for donation to Kerr Street Ministries. Calvary Chapel Oakville (formerly Calvary Fellowship Oakville) is part of a movement of more than 1,600 Calvary Chapel churches around the world. The non-denominational church is known for its simple teaching of the Bible in a relaxed and "come-as-you-are" environment. For more information, visit www.calvaryoakville.ca or www. calvarychapel.com. 21 | Friday, February 6, 2015 | OAKVILLE BEAVER | www.insideHALTON.com AIRE ONE MADNESS SALE! High Efficiency FURNACE & CENTRAL AIR * ONLY INSTALLED REDUCE get 1 oil change * at regular price & get next one $ $ recycle REUSE FREE Offer expires March 31,2015 *Does not apply to synthetic oil PACKAGE INCLUDES: · 95.5% High Efficiency Gas Furnace · High Efficiency Central Air R410A Refrigerant · 10 Year Factory Warranty · Limited Time Offer 3990 59 OR $ * /MTH OAC $ Call for details 49 FURNACE DIAGNOSTIC SPECIAL* Reg. $99 Aire One | 1065 Upper James St. 905-385-2800 Must Present Coupon. Cannot Be Combined with other offers. LIMITED TIME ONLY! Heating & Cooling ROSA AUTO SALES www.rosaauto.ca | rosa_auto@yahoo.ca SALES 905.337.9339 SERVICE 905.337.9965 1071 SpeerS road, oakville Over 120,000 satisfied custOmers 9 LOCATIONS TO SERvE YOU bETTER 9 LOCATIONS TO SERvE YOU bETTER Heating & Cooling 905-849-4998 www.aireone.com 1-888-827-2665 Ask the Professionals Come visit our new and improved website! Tatiana Terekhova CFP, CDFA, FDS, RRC Divorce Financial Analyst DIVORCE & SEPARATION FINANCIAL SOLUTIONS tatiana@fairsplit.ca | www.fairsplit.ca Toll Free: 1 (844) 878-7770 2) Pension Valuation for Family Law purpose To advertise in this feature call 905-845-3824 A beautiful new look for our website with plenty of travel inspiration The "pension issue" at divorce is not any less emotional than the one of a matrimonial home. The monetary value of a pre-retired teacher's pension may easily exceed the value of a decent mortgage-free home of this very teacher. WHAT HAPPENSTO MY PENSION AT DIVORCE? Your regular annual pension statement does not have the valuation of your pension as an asset. As of January 2012 the pension plan's division became more streamlined and simplified. Spouses request pension evaluation However, unlike real estate, pension is a less directly with the pension administrator for tangible asset (when not in pay) and more a fee of $600. For more details ­ refer to complex. Here are the three most important www.fsco.com steps to take when dealing with pension The pension fund itself can provide for the division during the divorce: funds to be rolled over to the member's 1) Legal and Financial Entitlement ex-spouse's locked-in retirement account. You no longer have to wait until member's In Ontario legally married and common-law retirement commences or working out the couples are not treated the same when it comes settlement of other assets. to pension division. Legal advice is absolutely necessary when dealing with pension division, 3) Financial Aspect especially - common-law situation. Your pension income will be taxed at the time From the Ministry of the Attorney General's: of its withdrawal. It's important to project your future retirement income to somewhat estimate "These automatic property sharing provisions the notional tax. You will then have to apply this only apply to married spouses. If you are in a tax to achieve a fair split if equating pension common law relationship, you are not entitled asset' value with the other assets. to an equalization payment, but may be entitled to a payment from your spouse to pay you back Once your pension amount is rolled over to your locked-in investment account ­ have a for a direct or indirect contribution to property solid financial plan on how to manage it. There that he or she owns" . is nothing more frustrating than, years after With legally married couples, not all the pension division is done, seeing these assets managed value is automatically split. Only the "married poorly or not managed at all. years" are subject to division. Even more handpicked top travel deals speci c to your region Personalize your travel search with our easy-to-use TripSearch tool Our brand new TravelBlog featuring travel tips and advice Curating the very best travel deals for Canadians for over 10 years.