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in si de ha lto n. co m O ak vi lle B ea ve r | T hu rs da y, N ov em be r 21 ,2 01 9 | 10 oakville.ca Notice of Heritage Designation On November 4, 2019, Oakville Town Council resolvedOn November 4, 2019, Oakville Town Council resolvedOn November 4, 2019, Oakville T to pass By-law 2019-057 to designate the following property under Section 29 of the Ontario Heritage Act, R.S.O. 1990, c. O.18, as amended, as a property ofAct, R.S.O. 1990, c. O.18, as amended, as a property ofAct cultural heritage value and interest: Erchless Estate 8 Navy Street and 110-114 King Street Further information regarding this designation, including the legal description of the property, is available from the Town of Oakville. Any inquiries may be directed to Susan Schappert, heritage planner at 905-845-6601, ext. 3870 (TTY 905-338-4200), or by email at susan.schappert@oakville.ca Join us Friday, November 22 • Trafalgar Park Community Centre, 133 Rebecca Street from 9 to 11 a.m. • Sixteen Mile Sports Complex, 3070 Neyagawa Boulevard from 2 to 4 p.m. Skate and helmet rentals are available during FirstOntario skates. $6.22 skates l $3.11 helmet l $7.35 combo rental Capacity restrictions apply. Visit oakville.ca for details. Sponsored by FREE P.A. Day Skate Vista Promenade and Water's Edge Park Shoreline Rehabilitation Join us at our Open House on December 11 We're taking steps to build a better shoreline. Join us at our upcoming open house to learn more and share your input: Wednesday, December 11 6 to 8 p.m., drop-in anytime Trafalgar Park Community Centre, Multipurpose Room 3 133 Rebecca Street The Town of Oakville is assessing shoreline protection needs at Vista Promenade and Water's Edge Park, bordered by Bronte Heritage Park to the west and Water's Edge Drive to the east. The current shoreline protection measures in place have deteriorated over the years, and this deterioration has accelerated given recent high lake water levels. This open house is a drop-in format where town staff and the project consultant will be on-hand to answer questions and collect feedback on the preliminary shoreline protection design. Accessibility requirements If you are attending the open house and have any accessibility needs, please let us know as soon as possible by filling out the accessible online feedback form on oakville.ca or by contacting one of the project representatives: Diana Friesen, B.Sc., C.E.T. Town of Oakville 905-845-6601, ext. 3904 (TTY 905-338-4200) diana.friesen@oakville.ca Jane Graham Shoreplan Engineering 416-487-4756, ext. 223 or jgraham@shoreplan.com Can't make the meeting? Visit oakville.ca to learn more about this project. LLLAAAKKKEES OOORRE RRD W TTTH IRR D LLLI N E MMAAAARRINE DR EEAAAA SST SST SUBJECT LANDS Your credit rating is ex-Your credit rating is ex-Y tremely important. Every time you attempt to borrow money, the lender will check your credit rating to determine if they should approve the loan. This in- cludes applying for a mort- gage, credit card, car financ- ing or any other debt. Because so many con- sumers use credit cards for their financial transactions, a large part of credit ratings come from credit card use. Here are tips to help you avoid five common creditavoid five common credita card mistakes that could hurt your credit rating: 1. Pay your credit card debt on time. Any business that lends you money wants to be repaid. Having a histo- ry of not fulfilling your obli- gation of payments will hurt your credit rating. Also, in-your credit rating. Also, in-y terest charges on overdue payments are astronomical- ly high. 2. Do not use more than 75 per cent of your allowable balance. For example, if your credit limit is $5,000 try not to owe more than about $3,700. The logic is simple: if you have a $5,000 credit limit, lenders want to see that you are living well within that limit. If you consistently use up your available credit, there will be a lingering question about whether you are able to pay off this amount of debt. 3. Try not to withdraw cash at an ATM using your credit card. This can be in- terpreted as your inability to manage your monthly cash flow and makes you less at-flow and makes you less at-f tractive to lenders for future credit. 4. Do not apply for more credit cards than you need. This can be difficult, be- cause, at the checkout count- er, you might be offered a dis- count on your purchases if you apply for a new credityou apply for a new credity card. Lenders view this as shopping for credit, which can lead to a lower credit score. 5. The final mistake peo- ple make with their credit card is paying it off immedi- ately after a purchase. In or- der to build your credit rat- ing, wait until the due date on the bill, so the company knows you use your card and are able to pay it off on time. Personal credit is impor- tant. Avoid these common credit card mistakes to help put your mind at ease re- garding your credit rating. Peter Watson, of Peter Watson Investments MBA, CFP, RFP, CIM, FCSI, offers a weekly financial planning column, Dollars & Sense. He can be contacted through peterwatsoninvest- ments.com. OPINION TIPS ON YOUR PERSONAL CREDIT RATING AVOID THESE COMMON MISTAKES, WRITES PETER WATSON PETER WATSON Column