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Excessive debt major obstacle to financial security early all of us yearn for Nwealth and the financial secuâ€" rity that goes with it. We want to accumulate enough money through our various investments to purchase an atractive home, to proâ€" vide a quality college education for our children, and to finance a secure and enriching retirement. But there is no greater obstacle on the path to financial security than excessive debt. MR. DAVID LOSTCHUCK, C.A. Senior Tax Manager has transferred to our Oakville office. With his expertise in the areas of personal and corporate tax q_lannmg, estate planning and G.S.T., Dave is a welcome addition to our staff. CLASSIFIEDS is pleased to announce that | THE O IROQUOIS RIDGE â€" $187,500 LOCATION PLUS! Brick Bung. 3+2 bdrms, PRIVATE pieâ€"shaped lot, eatâ€"in kit., C/A, fnsd. bsmt.w/4â€"pce., ingrd.pool. 1222 KENSINGTON PK RD, 849â€"1804. 151 Randall St., Oakville 844â€"3206/632â€"1550 DUNWOODY WARD MALLETTE BDO To place an ad please call 845â€"2809 or FAX 845â€"3085 Mon.â€" Fri. 8:30 a.m.â€" 5 p.m. SELL YOUR HOUSE WI'II":I AN AD CLASSIFIED SECTION Full Basement Income $20,500 Asking $173,000 905â€"632â€"0203 BRANTFORD 4â€"PLEX Investment Property * Be wary of credit cards. Overuse of credit cards is a costlier habit than you may realize. What may appear at the time of purchase to be "plastic power" turns out later to be "plastic poison". If relied on to excess, it can overwhelm your finances and impede To control your debt and get back on the right track, consider the folâ€" lowing suggestions: Try to limit credit card purchases to those emergencies when you find yourself with no cash and no alternaâ€" wealth building. You could have your refund directly from Revenue Canada in as little as 10 days using EFILE and Direct Deposit. DIVERSIFIED TAX HAS BEEN APPROVED BY REVENUE CANADA FOR BEAUTIFUL RAVINE setâ€" ting. Large home, North Burâ€" lington. Apprasied: . $400,000. Asking Musi: §1l._JOHN,. ~. 7 2441 LAKESHORE RD., OAKVILLE (Bronte Village Mail) NORTH BURLINCTON OPEN HOUSE â€" SAT. SUN. JAN. 22, 23 29, 30 1â€"6 p.m. 3208 APPOLLO RD. $279,900. Immaculate, professionally decorated 4 bdrm., 2 storey, 3 baths, sunâ€" ken fam. rm. w/F.P., Ige. din. rm., mn. fir. laundry, walkâ€"out from breakfast rm. to 11 person spa, on 950 sq. ft. deck. Ideal home for entertaining; C/A Vac. Mature, treed 60 ft. lot on greenbelt. Many upâ€" grades. No agents please. STONEYCREEK Overlooking Lake Relax and enjoy the comfort of this spacious, quiet building.Two bedâ€" room,2 bathrooms, laundry room, sepâ€" arate dining/living area. Indoor parkâ€" ing for 2. Please call Marie at 827â€"6149 M.D. Mackean Realty Ltd. Diversified Investments Group Would you like your tax return processed in 10 days? Of course, we also do regular paper returns for the years 1986 through 1993 Our office is open to serve you year round. For appt: (905) 336â€"5856 Drop in to our office or call for details. ELECTRONIC FILING USE Visa or MasterCal t‘o 360 sq. ft. industrial, overâ€" head door, Speers Rd, Third Line area, $250, month plus utilities. 533â€" 0200, leave message. CONDO/ townhouse, three bedroom, three level, close to QEW, Oakville Place and all amenities, immediate possession, $119,000. Call 844â€"6190 LUXURY two bedroom penthouse with fireplace, sale by owner near Glen Abâ€" bey. Call John 238â€"9258. tive method of payment. Using cash instead of credit cards helps you to manage your debt load in two ways. First, you may think twice about shelling out $50 for dinner when you have to pay in cash rather than by credit card. This may give you the discipline to curb unnecessary nights on the town and other discretionary spending (ties, perfume, clothing). Second, by limiting your credit card charges, you will be limiting your interest expenses. To get the commercial space DEADLINES CANCELLATIONS: Mon. 4 p.m. for Wednesd Wed. 4 p.m. for Friday issue. Thurs. 4 p.m. for Sunday issue . 1004165 _ 400455 ~â€"*reims _ 1704196 500â€"570 Z4 LESURE LvNc 200â€"265 e==aaAnmouncements 600â€"696 REF®¥MERCHANDISE 300.385 Mar_ SERVICES T700â€"794 ADVERTISING ERRORS AND OMISSIONS: The Oakville Beaver assumes no financial liability for typographical errors or copy omissions by the newspaper other than the cost of space occupied by the error. Claims for errors must be made prior to next publication date. GROUND FLOOR one room, separate entry. Satisâ€" factory for one person office. Downtown central location 33;25 month. Heather 338â€" 7492. WEST OAKVILLEâ€" main level 3 bedroom bungalow, gas, laundry, parking. Nonâ€" smoking, no pets. $800+ . 849â€"1 after 5 pm. Enjoy the convenience of downtown livâ€" ing in quiet, well maintained building with indoor parking, pool and saunas. Walk to shopping, library, theatre and the best restaurants. Glorious all season view of the harbour and East Oakville. Call for appointment * 5 appliances * Broadloom * Balconies or patios * Security entrance * Recreational area * Fireplace * Vertical blinds * Storage rooms * Onâ€"site management * Parking incl Luxury 2 3 bedroom Garden Homes 99 apts. flats for rent in Oakville from $905 per month GMT. OFFICE office business OAKVILLE COURT most out of this, create a "slush fund" of, say, 20% of your monthly living expenses. When you need a new refrigerator or a battery for your car, dip into the cash fund rather than using your credit card. * Avoid longâ€"term car payments. When financing an automobile purâ€" chase, resist the temptation to reduce monthly payments by stretching out the term of the loan or the lease. The longer you pay for the car, the more you will be paying in financing costs. A good rule of thumb is to avoid financing terms that are longer than the length of time you plan to keep ONE bedroom basement apartment, spacious,eatâ€"in kitchen,diningroom, cable, Northeast Oakville, close to all amenities, no parking, $550/month, 842â€"8159. SNACK route for sale. Guaranteed locations/ profâ€" itability. _ Investment reâ€" quired. 1â€"800â€"368â€"8363 0 apts. flats for rent If your answer is yes to either of these questions, . there is a way to have the insurance coverage you need. Is Your Term Insurance Too Costly To Renew? Will Your Group Insurance Retire When You Ds? . 4 p.m. for Wednesday issue Close to Sheridan College Oakville Place. Quiet parkâ€"like setting. or info call: ENNISCLARE ON THE LAKE II Luxurious Lakefront Apartments For Rent, Oakville 2 bedroom den â€" 1830 sq.ft 2 bedroom den â€" 1969sq.ft 1260 Marlborough Court 1 2 Bedroom Apartments Available Immediately THE CANADIANA 5220 Lakeshore Rd. Burlington‘s Prime Address! * 1â€"Bdrm. (1100 sq.ft.) From $838. * 2â€"Bdrm. (1425 sq.ft.) From $965. * Big 20‘x26‘ liv./din.rm *A/C *Fridge, Stove, Dishwasher *Heated Outdoor Pool *Sauna *Recroom *Indoor/Outdoor Parking ~ ONE MONTH FREE RENT ~ We pay for your Move (To a max. $500.) 632â€"5486 Daily 9 am â€" 7 pm Call 827â€"6625 or 845â€"1482, \**. 1 apts. fiats for rent _ (y WfAUR apts. fiats for rent Call now to learn more about low cost lifetime protection. Includes the use of a fabulous recreation complex, all utilities, caâ€" bie, 5 app. underground parking. Available immediately WALLACE PINES II Bruce Caplan 690 Dorval Drive Suite 402 Oakville, Ontario LG6K 3W7 $49â€"0906 the car (or other financed asset). * Consider debt consolidation. Should you find yourself in over your head, explore the advantages of a debt consolidation loan. This will not reduce your outstanding payâ€" ments, but it may enable you to conâ€" vert your debt to a lower interest rate; thus, reducing the overall cost of the credit card charges and other borrowâ€" ings. With a little determination and a lot of selfâ€"discipline, you can quickly put yourself back on the road to financial security. .8 SunlLife Contributed by H.D. Vest Inc. Sun Term 100 provides permanent insurance coverage at the low price of You can stop paying premiums after 20 years and still have lifetime protection. Or, you can pay a lower premium for the full life of the policy â€" to age 100. Your coverage and premiums will never All classified ads must be preâ€"paid We Accept