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Senior police officers finally sign 1993 contract By BELINDA SUTTON Special to the Beaver Senior Halton police officers and civilians finally have a contract â€" for last year. Officials signed a 1993 contract at a recent meeting of the Halton Regional Police Services Board. The contract is retroactive to Jan. 1st, 1993, and covers wages, salaries, and working conditions for the 17 memâ€" bers of the Halton Regional Police Senior Officers 8 i Children‘s Summer _ _ SAVE !_ COMPUTER CAMPS $5000 I i I Promotion with this coupon until July 4th. I Educational, Fun Games, PC Learning : No PC Knowledge Necessary I AM: 9:00 to 12:00 or PM: 1:00 to 4:00; Choice of 4 camps: (1) July 5 to 15, I (2) July 18 to 28, (3) Aug 2 to 12 or (4) Aug. 15 to 25 (For full day join AM PM) 1 Children 6 to 14 yrs; Fee $169.00 Ea. 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The association includes nine police officers with ranks of inspector and superintendent, as well as, eight civilians. Inspector Tony Repa said the contract, which expired last Dec. 31st, doesn‘t include any salary increases because wages are frozen until March 1996 under the province‘s Social Contract. However, the contract provides some improvements in benefits to the spouses of deceased retired members, Inspector Repa said. "It‘s a good contract given the economic climate." just house cleaning." Inspector Repa said the contract also includes some minor changes in wording and phrases. "It (contract) was His association hasn‘t yet begun bargaining sessions for its 1994 contract, he said. Paul La Course â€" administrator of the Halton Regional Police Association â€" said his association representing 520 police and civilians signed its 1993 contracts last March. Mutual fund license adds to depth at Fiscal Agents ADVERTISING FEATURE By Don Wall Agents, the allâ€"purpose perâ€" sonal investment office on Speers Road, had perfected the exercise of gathering information and presenting the best available investment options to its clients, the game just got a little better. Rob Whipp, the firm‘s branch manager, has announced that Fiscal Agents has become licensed as an official mutual funds dealer. Whipp explains that the arrangement gives Fiscal Agents an additional advanâ€" tage when it comes to discussing investment possibilities. "We‘ve always been able to offer mutual funds before, on a restricted basis through another dealer, but now we will have more continuing expertise inâ€"house," said Whipp. "We now have more tools to work with as we build a balanced portfolio for our clients." There‘s more access to information Fiscal Agents stands out from the crowd in two distinct areas. The firm puts more emphasis on gatherâ€" ing and processing information than its competitors, and, under the shrewd direction of _ David Newman, Fiscal Agents has always hired mature, experienced investâ€" ment advisors who without excepâ€" tion preach balance, caution and levelâ€"headedness in assembling an investment package. Each of the advisors in the office has a miniâ€" mum of 15 years experience in the financial business, and that means they‘ve all been through the cycles of the money and equity markets and recognize the need to react with reason, not emotion, to the highs and lows of the markets. "It‘s part of our corporate phiâ€" losophy to be cautious about who we bring in," says Newman. "Everybody here has the experiâ€" ence to know that there are always peaks and valleys, but that over the long run it‘s best to take a balanced approach and be patient. Our job is to tell the people not to jump and sell every time the price drops. In the long run, you can expect your portfolio to continue to increase in value. There‘s no need for hysteria when the price of a fund drops â€" in fact, that‘s a good time to buy." The conservative approach has earned Fiscal Agents a wide base of devoted clients since Newman Just when it seemed that Fiscal Director David Newman with advisor Rob Whipp opened the doors in 1977. Fiscal Agents has always advised prospective investors to be preâ€" pared to sit down for a comprehenâ€" sive discussion of their financial affairs and of their professional and even personal aspirations. Firstâ€" time visitors looking for investâ€" ment advice should be prepared to make a full disclosure of their needs and future plans and offer the Fiscal Agents advisor a chance to understand their "risk temperaâ€" ment" and financial objectives. Faceâ€"toâ€"face Only after such a meeting of the minds â€" perhaps after a twoâ€"hour faceâ€"toâ€"face meeting â€" will Whipp or the other consultants at Fiscal Agents prepare a suggested portfoâ€" lio that balances equities (stock mutual funds), bonds (bond mutual funds, GICs, annuities) and cash holdings. "Mutual funds are only one component. Our overall approach is to put together a balanced portfoâ€" lio," says Whipp, each client has different needs "We currently have a large senior client base but we do expect that we will see a few younger investors come into the office who may require more emphasis on accumulation of assets, as opposed to managmg a retirement portfolio." Whipp says Fiscal Agents will focus on the performance of "eight or nine" key mutual funds, though the firm has access to information from all available funds, and will incorporate reports on those funds into its allâ€"inclusive bank of data on GICs, RIFs and RSPs as well as a full range of insurance company services such as annuities. Reports on the value of a client‘s holdings are available instantaneously, thanks to the resource centre locatâ€" ed on premises. Fiscal Agents has daily access to information from some 90 banks, trust companies and insurance companies across Canada. "I don‘t know anyone else that matches us in getting informaâ€" tion to the client," says Newman. Institutions such as the Toronto Star and the Financial Post regularâ€" ly tap into the Fiscal Agents inforâ€" mation base to publish summaries of the markets. The "oneâ€"stop shopping" aspect of Fiscal Agents is also a benefit to its clients. ‘"We are basically a new way of doing business," Newman explains. ‘"We have a wealth of products and expertise in many investment areas. Fiscal Agents has access to current information on GIC‘s, _ insurance _ products, RRSP‘s, RRIF‘s, annuities as well as mutual funds and thus clients can be assured of objectivity. Fiscal Agents is located at 466 Speers Road. For more informaâ€" tion, call 844â€"7700. t661 ‘g Ainp ‘Aepungs ‘puayaamy 19e9g oillime0 â€" L n ud o itc on d Do sn oo n d Dt on e ced en en ul s oo o en e S ts oE t