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www.oakvillebeaver.com The Oakville Beaver Weekend, Saturday January 5, 2008 - 13 Bruce Mowat, Investment Advisor Phone: 905.849.2851 Toll Free: 1-888.778.3956 Email: bmowat@wellwest.ca www.mowatfinancial.com ANN CORRIGAN 905 338-3737 www.anncorrigan.com Hopedale Shopping Centre Suite 220, 2nd Floor Dr. Rosenblat D.D.S. Q. What are flow-through shares and how do they benefit an investor? Flow-through shares are common shares of Canadian resource companies issued on the basis that the money raised must be spent on exploration, and the tax deductions from the exploration expenditures must be transferred to the purchasers of the shares. Legislation allowing mining and oil and gas companies to issue flow-through shares, but only to other companies, was enacted as a tax incentive in 1954 to encourage exploration of Canada's natural resources. Amendments in 1983 allowed flow-through shares to be issued to individuals, and subsequent changes have extended similar treatment to renewable energy companies. The tax savings of flow-through shares are similar to a contribution to a RRSP. You are generally able to deduct the amount of your investment against regular and other sources of income. Investing in flow-through shares may offer the most benefit to high income earners and those investors who have fully contributed to their RRSP and are interested in other sources of tax savings. It is important to note that flow-through shares carry an increased risk of investment loss for several reasons: 1. The companies that issue flow-through shares can have small market value; 2. The investment is sector specific - resource exploration; 3. Flow-through shares are quite often purchased at a premium due to the potential tax benefit. Investors should weigh the tax benefits in context with the investment risk as Flow-through shares are considered speculative in nature and may not be suitable for all investors. Prior to making an investment in flow-through shares, it's best to discuss details with your tax preparer and investment advisor. If you would like to know more about flow- through shares, please call my office. I'd be happy to discuss them with you. Put your house on a diet. Begin removing or donating both the things that clutter your home and the things you don't want to move with you. Begin streamlining, room-by-room, a little bit at a time. Seasonal changes can create great opportunities for sorting unworn clothes. You'll be happy to have less on moving day and your closets will look bigger to potential buyers. A garage sale is a great way to purge before your home's first showing. Q: We are considering selling your home this spring? What should we do to get ready? A: Begin the purge. 905-827-0301 Q: A: Can diabetes affect my teeth and gums? Fix what's broken or damaged. Determine what house maintenance is in order. To pass a home inspection, certain repairs may be unavoidable. Taking care of these issues now will ease your burden later and improve your sales opportunities. Simple repairs are also well worth the effort. Painting those chipped shutters and replacing the broken banister rail will provide a return in creating the right impression for a timely sale. Think like a buyer. This can be the hardest step since we love our homes and generally assume others will too. Accept that potential buyers have different tastes and consider hiring a house staging professional or 'fluffer' who can objectively determine what needs to change. Consider basic staging techniques such as removing clutter; putting away personal items like photos and trophies; cleaning and sanitizing inside and out, from top to bottom; freshening and neutralizing your colour scheme; making your entrance way appealing; eliminating pet and food odours; enhancing the illusion of space, beautifying your backyard. Contact Me. I am your partner in selling what is likely your largest asset. I can assist you in getting your home prepared for sale and in helping you understand the current buying and selling real estate markets. As an experienced, attentive and committed Realtor, I know the market and can put the strength of an established, leading real estate brand to work for you. It's my goal to help you sell your home in the shortest amount of time possible and at the best possible price. Yes? Diabetic patients show changes in their cardio vascular system, kidneys, nervous system and eyes. Changes in your blood vessels and more difficulty healing as a result of diabetes can make diabetics, especially those who are poorly controlled, more prone to aggressive periodontal or "gum" disease and decay. And gum disease will result in mobile teeth due to losing the attachment of the bone and gums to your teeth. Eventually, you will lose your teeth as well. Studies have also suggested that diabetics who have periodontal disease may have more difficulty controlling their blood sugar levels. What do you need to do? Brush and floss meticulously. See the dentist regularly to receive hygiene treatment and follow his or her recommendations carefully. Follow your doctor's recommendations and monitor your blood sugar carefully. It has been shown that a well controlled diabetic is no more prone to gum disease than anyone else. It is very important that everyone, not just diabetics, remember that their oral health contributes to their overall well being too. Remember, great things start with a warm healthy smile! For informational purposes only. This material does not constitute an offer to sell or a solicitation to buy any security. Wellington West Capital Inc., a member of CIPF Call me to learn about "Staging" and my "You Deserve a Break" house cleaning offer. C2109 Direct 905-469-6112 the dentist@dentistry4.com www.dentistry4.com SPRIGGS INSURANCE BROKERS LIMITED 159 CHURCH ST. OAKVILLE, ON L6J 1N1 Oakville (905) 844-9232 Burlington (905) 681-4035 Mississauga (905) 798-7527 Fax (905) 845-1634 Web: www.spriggs.ca p gg E-mail: info@spriggs.ca p gg CARPET & UPHOLSTERY CLEANING SERVICES 905-338-6179 Cleaning Solutions Todd Osmond ~Owner Q: What makes a great rec. room floor? A: You have thought about finishing your basement for years. Now it's finally started and you are committed. What to do with the flooring? If you are thinking home theater, use thick rich carpets, they add to the sound quality of the room, as well as comfort, or maybe your rec. room will be mutli-functional i.e. pool table, games room or general entertainment. Think about multi-mediums. Rubber tiles under the pool table with carpeted boarders for room separation, patterned carpets hide day-to-day use as well as adding vibrancy and excitement to the room. Today's consumer can take advantage of the limitless possibilities of flooring styles. We are here to kick start your imagination. Q: I slid on some ice and hit a telephone pole due to poor road conditions. The police said I would not be charged as it was "not my fault". Why is my insurance company claiming it is an "At Fault" accident? Ask Your Expert! Carpet Stain Removing and Cleaning to remove the salt stains from my Q I've triedwithtolittle success. Any stains from Q: I've tried remove the salt suggestions? carpets my some distilled success. Any with little and soft A Pick upcarpetsand blot vinegarwhiteatowelscrub suggestions? brush. Rub in with a and with an insurance claim. They are two separate issues. If you are operating a vehicle, the insurance companies consider you to be responsible. If you feel you are not at fault and can prove it, you have the right to dispute the claim with the body that documents insurance histories. These documents are called `Auto Plus' records and are generated by CGI. Once an accident is deemed `at fault', it is difficult to reverse but should be addressed as soon as possible. "For past questions and answers in Ask the Professionals, please contact us." A: A traffic conviction does not have anything to do Q and gone! Your carpetsthe methodlike extraction is may A No, hotit'swatermost carpet days, butsmellwellIt is vinegar by a couple of manufacturers. for it's preferred considered to be the best method of removing worth it. embedded soil and other contaminants like salt. it's gone. Your carpets may smell like vinegar for a couple ofwhite vinegar well a soft scrub A: You can use days, but it's and worth it. Will steam cleaning damage mywhite towel brush. Rub in and blot with a carpets? Call Us, You'll Be Amazed! The Basement Space.com would be more than happy to assist you in planning your basement renovation. Please contact Ashley Trapman at 905-338-6179 If you have any questions these professionals can answer, please write to: "Ask the Professionals" c/o The Oakville Beaver, 467 Speers Road, Oakville L6K 3S4 or fax to: 905-337-5568