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f I Page 14 The Clarington/Courticc Independent, Bowmanville, Saturday, November 15, 1997 Happy Jam-Makers! St. John's Anglican Church in Bowmanville held its annual Snowflake Bazaar without a flake in sight - at least last Saturday, Nov. 8. Among the goodies available available for sale were UNICEF cards and books, hand-crafted vests, Christmas decorations, decorations, gift bags, lots of books, and, of course, the Men's Club provided great- tasting jams, jellies and spreads. On duly were Ray Henry, George Webster and Bill Paterson. Winter Fun in the Conservation Areas With winter on the way the Central Lake Ontario Conservation Authority would like to wish everyone a safe and enjoyable winter season. Below is a list of CLOCA Conservation Areas that will be open for low- intensity recreational opportunities. opportunities. Lyndc Shores Conservation Area (Whitby) - opens dawn to dusk. With a wide variety of song birds, Lynde Shores is a great place to get away and relax. Over 20 bird feeders arc maintained along the bird feeder trail during the winter season and the public arc encouraged to bring sunflower sunflower seeds to feed the Chickadees along the trail. Parking fee; $.50/30 minutes; $2.00/day maximum. * Do not use this area for ice skating. Ice condition is not monitored.* Long Sault Conservation Area (Ciarington) - open dawn to dusk. Located on top of the Oak Ridges Moraine, . Long Sault C.A. offers excellent excellent conditions for cross- tMIllllti aiflMwiiinniiiiuiiiimaat Color Your World The name, value and excellent products that you have trusted for years. Janine is certified in Residential Interior Design and as a consultant in Products, Decor, Window Blinds and Carpets. % OFF Wallpaper Books Some exceptions apply 33% 0FF Semi Gloss Latex *19.96 gal. 25% ofF Eggshell Latex *23.96 gal. v 25% 0FF Melamine... *27.72 CARPET - New patterns and colors arriving daily Call Janine for free Shop-At-Home Service for Blinds, Carpet, Vinyl Flooring. , Take advantage of her 16 years of Decorating Experience. J A 'COLOR YOUR WORLD' GIFT CERTIFICATE makes a great gift! SMILES are FREE! r two locations to serve you better. 54 Water St., Port Perry 985-8221 235 King St. E„ Bowmanville 623-9750 234 King Street East, Bowmanville Telephone 623-3393 Toronto Line 686-1035 Y ' <;j 3 f*P ■■■ Tj JEtvT I r f '***T' , r*T* ! : ! Î WHAT A CHRISTMAS PRESENT Upgrade to this 2400 sq. It. executive dream. Four bedrooms with sitting room and ensuite oil master, fireplace In family room. This dream home close to schools, hospital and shopping. Call John Fowler* 623-3393 or 623-7928. 100 ACRES-CENTURY BRICK HOME Gorgeous 2 storey, 2 staircases, huge family room, formal living room, 3 excellent barns, 75 acres workable, very private, outstanding outstanding property. $349,900. Call Charlie Reid* 623-3393 or 983-5914. COUNTRY HOME $126,900 Just listed! This 3 bedroom homo has a g real view ol Iho counlrysldo, Has had many updates Including well, lurnnco, ole. Largo loi, Butkolon area. Call Ann Van Dyk* 623-3393 or 623-4638. HAVE AN EARLY CHRISTMAS Great 3 bedroom semi, large eal-ln kitchen, walkout lo back yard from rec room, newer gas lumace, upgraded carpel in living room, close lo 401 on quiet court. Call John Fowler* 623-3393 or 623-7928. COMMERCIAL INVESTMENT OPPORTUNITY 3 stores, 1 apartment, 2 storage areas, In downtown Orono. Gas heat all separate meters. Asking $169,900, $21,000 gross annually. Call Dirk Woudstra* 623-3393 or 987-1350. RAVINE LOT 59 SOPER CREEK DRIVE 4 bedrooms plus 1 bedroom apartment apartment willl walkout to 16 x 32 Inground pool, sunken family room with fireplace, green house kitchen, kitchen, double car garage, nicely landscaped, landscaped, many extras. $229,900. Call Charlie Reid* 623-3393 or 983-5914. FINISHED WALKOUT BASEMENT Just listed! Spotless 3 bedroom homo on quiet ctesccnl in Bowmanville. 1,464 sq. ft. plus finished walkout basement. Large oat-in kitchen with oak cupboards, 2-4 pc., 2-2pc. bathrooms, Fenced yard, interlocking walkway walkway and Irani poich. $155,900, To view call Terry Witherspoon* 623-3393 country skiing or snowshoe- ing. The Authority has over 18 km of non-groomed trails through mixed forest. Snowshocing is permitted anywhere in the conservation area but please remember to avoid damaging ski tracks. No ski rentals available. Fee: honour box $1.00/per- son. Enniskillen Conservation Area (Ciarington) - opens Monday - Friday 8:30 a.m. - 4:30 p.m. Experience the winter beauty of nature in this conservation area. Hiking, snowshocing and cross-country cross-country skiing are a few activities that are permitted on the 4 km of trails winding through the forest. People hiking or snow- shoeing are asked to please avoid damaging the ski tracks on the trails. Tobogganing is not available at Enniskillen C.A. Do not use this area for ice skating. Ice condition is not monitored*. The Enniskillen Outdoor * Education Centre is currently accepting 'bookings from school groups for the winter and spring seasons. For more information on the programs available please contact the Education Centre at (905) 263-8201. Purple Woods Conservation Area (Oshawa) - opens March 14th Maple Syrup Festival Days. Welcome spring with a trip to the Maple Syrup Festival Days at Purple Woods C.A. Maple Syrup Festival Days will run from March 14 - 22; 28, 29 and April 4 arid 5. See how maple syrup i was made over 400 years ago to modern methods of today. Enjoy hot pancakes, with fresh, pure maple syrup and finish the day with a horse-drawn wagon ride, Purple Woods C.A. is open from 9:30 a.m. to 3:30 p.m. during Festival Days. Festival Days Admission: Adults $2.00; Seniors and Children (12 and under) . $1.00; Family Pass $5.00. Bowmanville Wine Show November 23rd, is the day all area wine lovers have been waiting for as "Wine, the Taste of Life," comes to town. The event, this year held at the King Street Bar and Grill in Bowmanville, will feature the widest selection offered anywhere. anywhere. "We really have a show to be proud of" says-. Kevin Anyan sponsor of this years tasting. "Where can you go for $15, sample sample some of the finest wines in the world, sample great food and meet interesting interesting people and help a great cause like the Canadian Cancer Society," In its fourth year, Wine, the Taste of Life is fastly becoming one of the largest wine tastings of its kind, Featured wineries include, Henry of Pelham, DcSousa, 30 Bench Stoncchurch and the newest winery in Ontario, our own Archibald Winery, and many, many more. The event will be held Sunday, November 23rd from 1:30 p.m. to 3:00 p.m. at the King Street Bar and Grill in Bowmanville. For information you can call 905-434-9095. Closing Your Cottage for Winter This article is provided by local Realtors and the Ontario Real Estate Associatio.il (OREA) for the benefit of consumers in the real estate market. It's that time of the year again! The leaves arc falling, the nights arc cold, and its time to close the cottage down for the winter. winter. For a variety of reasons, many cottagers 'close-up' their cottage for the winter season. There are always feelings of regret when you leave the 'great escape' for a period of time, especially for city dwellers. But, equally strong, arc the fears of damage and vandalism most collage owners feel when closing up for the winter. There arc two schools of thought on how to protect protect your cottage when you leave it: You can secure it like a vault; or you can- leave the place virtually open since less damage will be done on forced entry. Regardless of which school you follow, always leave a note on the front door giving a local phone number through which you can be reached. This way, if the roof collapses, or the place is vandalized, a passerby can inform you if they wish. Before anything else, decide how much you will take with you or leave Real Estate News behind. Some people like to leave their cottage in live-in condition for immediate use come spring. Others take with them almost anything that's reasonably mobile. There are two schools of thought on how to protect your cottage when you leave it To take or not to take Hide away or remove any sharp items or destructive destructive tools such as knives, axes, saws, crowbars and hammers. These may aid vandals in damaging the place. Fire extinguishers can also cause a mess, but could be valuable in case of a fire. Use your best judgement in deciding whether to take them or leave them behind. Stereos, televisions and other electronic equipment are more valuable to thieves than other furniture items. Take any valuable audio-visual equipment home with you. Safety measures It is almost impossible to make a cottage super safe, but here arc some more measures to consider: consider: Covering the windows with plywood may not completely discourage forced entries, but the plywood plywood will protect the cottage cottage from birds, flying branches and other objects. Try purchasing damaged plywood sheets which arc less costly and serve the same purpose. Don't just close down the water system, drain it. This will prevent pipes from cracking and breaking breaking over the winter. Draining the system involves emptying and cleaning all the pipes, valves, tanks and pumps. If you have hot water, turn the power off both at the tank and at the circuit breaker before draining. Put some anti-freeze in the toilet bowl in case all the water hasn't drained. To ensure that the stove, fridge and other electrical equipment arc not used in your absence, remove the fuses and hide in a safe place. This means cleaning and emptying out the fridge first. Place a wooden cap on the chimney. This will not only discourage birds and small animals from entering, entering, but also stop any rain or snow. If your cottage is in an area that gets heavy snow, consider installing temporary temporary supports to protect the roof from caving in. You'll need some expert advice to install roof supports. Another option is to hire a reliable local person to shovel the roof when necessary. necessary. Store non-perishable items, especially anything mice might cat, in metal containers. Store boat motors, lawnmowers and other items with engines in a dry, weather-proof place, Coat with oil anything that may rust over the winter. Before leaving, make a list of tools and supplies you'll need when opening the cottage in the spring. Real Estate with Betty Smith If you're thinking of buying or selling and looking for an experienced realtor to assist you, please give me a call. I can be reached at Sutton Group-Dynamic Realty Inc., 129 King St, East, Bowmanville, (905) 697-1700 (24 Hr, Pager). Mortgages - Prepayment Penalties A mortgage is like a loan using a piece of Real Estate as collateral for the loan. A mortgage document is the PRINTED CONTRACT between the lender (Mortgagee) (Mortgagee) and the borrower (Mortgagor). All the terms of a mortgage mortgage arc spelled out in detail on this document and because they are rather complicated complicated and very "wordy" most borrowers never take the time to read them from start to finish. Like any legal contract they arc binding on all parties. One of the many terms of the agreement deals with discharging discharging or prepaying the loan prior to its 'maturity date. Doing this is, in essence, breaking a condition of the agreement and for this you will be penalized (unless of course, you have a fully "open" mortgage). The most common situa tion requiring a prepayment occurs when the property is to be sold prior to the maturity maturity date or renewal date of the mortgage. ' " ■'* Lending institutions have a number of formulae for calculating the amount of the penalty (not to be confused with the nominal "discharge fee"). These penalties can amount to thousands of dollars. i The good news is, you can lessen or avoid paying these penalties and still sell your property. There are a number of ways of doing this - some very simple, others more complicated. Contact your lender and your Realtor. Work together as a team and try to save yourself some serious money. Your comments and questions questions are always of interest to me and I welcome the opportunity to answer them. ©j.p. Dollar$ & Sense with Deborah Kohlsmith Financial Consultant "Short-term Thinking with Long-term Money" Arc you one of the people who closely watches the stock market or the daily share prices of your mutual funds? Ask yourself why you do this? Do you find it interesting, frustrating, or arc you concerned about the safety of your investment portfolio? This type of activity - watching, reading or simply listening to media hype about the market has become a favourite pastime of many Canadians. But again, ask yourself why you do this? The majority of people invest for a particular reason, whether it is to fund retirement or pay for a child's post secondary education. The most important part of a financial plan is your own personal goals. If you are sticking to your long-term financial plan - it is not necessary to think short-term. Keep in mind investing for short-term goals (ic. buying a car or a home) is a different process. It takes patience as an investor to attain your long-term goals. So...if you are not planning to touch your RRSPs or investment, portfolio or arc not planning to draw an income from your portfolio; fÿbii do not need to follow your investments on a daily basis (unless you enjoy doing so). What you should concern yourself with 'most is whether or not you arc in sight of achieving your specific goals. Your portfolio should be reviewed on a regular basis, usually annually, and any appropriate adjustments should be made (if necessary) at that time. Remember - if your investment portfolio is well diversified, investing should not be stressful. Work closely with a financial consultant to achieve your own financial goals. Don't get caught up in thinking short-term about money that is meant for a long-term goal. Stay focused on your long-term plan! Watch for next month's topic - "Were you born in 1926,1927 or 1928?" Topic suggestions are always welcome! REGAL CAPITAL PLANNERS LTD. ▲TRIMARK 1 MUTUAL FUNDS Wt t* Outferftrm. ©J.P. 24 King St. £., Bowmanville, Ont. L1C1N2 (905) 623-1936 or 1-800-668-9626 RF/MBX 3 itft cornerstone realty ltd., realtor MONTHS MORTGAGE 104 King St. E, Bowmanville "Some conditions apply. OPEN HOUSE SUN..NOV. 16TH 1 - 4 p.m. 51 Simpson Ave., Bowmanville $149,900. HOSPITAL AREA Immaculate, 3 level backsplil, kitchen overlooks family room with fireplace, deck and fenced yard. 'Also: $37,900. Mobile home, woods and creek. Passant** f $45,900. Level lot 132' x Assoc Broker $103,900. 4 bedroom starter home _ ' $69,900. 200'X 200'level site. Over 22 Years $126,900. Northend bungalow, In-law potential. : of Service $219,900. 25 acres, century home, workshop. For a market evaluation of your home, please ask for David Passant**, Associate Broker, todayl 623-6000, ATTENTION HOBBY FARMERS Marg Bain This 126 acre farm with easy 401 access has a lit- Sales Rep. tie bit ol everything: 8 year old stone and vinyl raised bungalow with hardwood floors and stone fireplace, barn with 7 box stalls, outbuildings, pond, seasonal streams, 60 acres workable, pasture, pasture, sugar and cedar bush. Asking $289,900. and vendor may assist with financing. Call Marg Bain (905) 623-6000. Call for details at (905) 623-6000. BRAND SPANKING NEW Ron Moore* Sales Rep. 623-6000 24 hr. pager 4 bedroom home that features 2 car garage, 2 1/2 baths including a 5 piece ensuite in the huge master bedroom. Main floor laundry, extra large eat-in kitchen with walkout to big back yard. Separate dining room 623-9263 (res.) and main floor family room. Plus many other features from this award winning builder. Priced at $188,990. Call Ron Moore now to view 623-6000 • 24 hour pager 4 LEVEL BACKSPLIT Eat-in kitchen, 3 bed- Pall 1 inria rooms up, separate side can Linaa ontranc0 Rec roomi bod . McLennan room, largo workshop, 3 Associate piece bathroom and laun- Rmkor dry room on lower 2 lev- croKer e | s p Gncet j y ardi a lot ol 623-6000 housol $139,900, Call Linda McLennan** 623-6000 $99,900. detached 2 bedrooms upstairs, one on main level. Dining and living room combination. Sunroom at Iront, Forced air oil. Some windows replaced. Close to shopping, school and buses. Paul DeJager*' 623-6000 or Res. 623-2712 "' LOADED WITH VALUE $129,000. Large 3 + bedroom home. Upgraded eat-in kitchen with walkout to heated solarium. Separate dining room, large living room, upgraded baths, main floor den/olllco, Inground pool surrounded by poronnlal gardon and mature trees, lois ol privacy, close lo shopping and oasy access lo Hwy. Homo shows lo perfection, a must sooll For Info call mell WHY RENT, OWN! Asking $99,000. 2 + 1 starter bungalow on largo 66 x 165 lot with detached garage, Located In area of larger homes. Easy access to highway, highway, close lo schools. Lois of potential. Call Paul DeJager at Remax Cornerstone for details (905) 623-2712 or (905) 428-1206 OJ.P.