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Page 14 The Clarington/Courticc Independent, Bowmanvillc, Saturday, April II, 1998 Buy or Rent Dilemma Home . owners who want to give up large houses houses now have help deciding whether to buy another house or to rent, according to an article in the first quarter issue of Canadian Housing Markets (CHM), released today by Canada Mortgage and Housing Corporation (CMHC). "A growing number of Canadians arc leaving large homes, especially as their children move out," said Bruno Duhamel, of the Market Analysis Centre at CMHC, "Their decision to move into a smaller home always involves financial and emotional considerations. The Buy or Rent Decision •Model can help them with the financial implications of moving." According to Duhamel, the financial analysis described in the article shows that renting is often a favourable short-term option. Buying a house with low equity can also be a profitable strategy. However, for those considering considering paying cash for their new house, the model suggests suggests it may be more advantageous to rent and invest the proceeds from their house sale. All the analysis generated by the model depends on future rates of investment return, house prices and rent increases. Another article is Canadian Housing Markets summarizes a new study from .Industry Canada- t'hk identifies' the' leading causes of bankruptcy bankruptcy in 1997. Leading the list was a decline in 234 King Street East Bowmanvillc Customer Satisfaction First Priority Commission Plans from 3.5% John Fowler Off; 623-3393 Res. 623-7928 Real Estate Consultant Welcome to the By Glenn Trider Natural Gas and You! It is indeed a pleasure to begin this column again as readers will recall in past years this column has focused on different hcat- ing/cooling/ventilalion and comfort issues in your home. Although time is always short several people have asked when this column column would begin again so look ' forward to more issues in the coming weeks! The natural gas business is quickly becoming more competitive with new players players entering all the time. It is boiling down to this. You as a consumer will have more choices of where to buy your gas, obtain rental or financing services and new equipment than ever before. Consumer's Gas continues continues to offer rental water heaters, yet few people ever do the mathematics to sec how expensive this option is becoming. Over the lifetime of a water heater heater the gas customer who rents pays 2.5 times more than the customer who buys! Rental rales eim rise at any time as well. Our water heater plans from the Comfort Shoppe offer 24 hour service and full parts and labour protection but the customer pays much less over the lifetime of the water heater and retains ownership, saving money. Rental furnaces have also become an option. Again the rental cost over the lifetime of the furnace makes this choice very costly for consumers. An inexpensive purchase plan is the most economical for the consumer. New competition competition should ensure that consumers see more choices choices and services than in the past. Service will still play an important role, and the company who personally caters to the customer will win the sale, and service your equipmc n t afterwards! How many times docs voice mail or priority hold waiting leave you extremely extremely anxious and frustrated? Ask and shop around for a company that avoids this non-personal trend and gets a service technician out to you fast. This is the type of service that will win over customers in the future. Thanks for reading the column and next week we will touch on cooling systems systems for your home. P.S. (No voice mail at the Comfort Shoppe) so call or write about ideas anytime. income following a loss of employment. While most who cited this cause found new jobs, many were left with less income to pay debts. The study dispels the belief that mortgage debt is a key factor contributing to bankruptcy. In addition, demographic data finds significantly more women and students declaring bankruptcy now than when when a similar study was conducted 20 years ago. Volunteer T • • Hospice Durham has scheduled another Volunteer Training Program to begin in April. This 24 hour course will be held at the Hospice Durham offices, 850 Champlain Avenue, Oshawa (North American Van Lines building), building), four consecutive Tuesdays beginning April 28 to May 19, 1998. The course will run from 9:00 a.m. to 4:00 p.m with a lunch break from 12:00 to 1:00 p.m. Topics covered are: Communication Skills, Emotional Support and Family Dynamics, Transfer Techniques and Physical Considerations, Multiculturalism and Burial Rites, Grief and Bereavement and Role of the Volunteer. Hospice Durham is a free community based volunteer volunteer program that provides provides in-home support to individuals and families facing a life-threatening illness. illness. Volunteers help hospice families by providing companionship companionship and emotional support and assist with nonmedical nonmedical tasks. To cover course materials materials and expenses, a $20.00 registration fee is requested for people who intend to volunteer with Hospice Durham. For other interested interested persons, we request a fee of $40.00. For more information about the Hospice Durham program or to register for the course, call (905) 435- 5242 or for those not in our local calling area toll-free 1-888-790-9414. Donevan C.l. Reunion Oshawa high school, Donevan C.l. is celebrating its 40th anniversary this year. Over 25,000 students have passed through the halls of Dr. F. J. Donevan C.l. over the last 40 years. To celebrate the anniversary, anniversary, a huge reunion will be held on November?, 1998. The reunion is in need of alumni to help out in any capacity with this huge undertaking. A meeting to establish altmmi committees committees is being held in the school library on Tuesday, April 21 at 7:00 p.m. Everyone is welcome. For more information call the reunion Hotline at the school at 728-7315. See you next week! LENNOX S()C Comfoit âHjoppf ft HIAÎINC I COOIINC 160 IliLsvIlm; Kcl. 1C., lluwmimvlllc 905-623-2956 Village Welcomes New Doctor Blackstock News by Joyce Kelly Birthday wishes go out this week to Ella Venning who turned ninety-two on April third and Dorothy Venning, eighty-seven on April tenth. John and Sandi Frey, Avery, Taylor and Sable hosted a party on Saturday to honour these lovely ladies. Attending were Joyce and Dale Gunter, Scott and Anne Gunter, David and Katie, Nora Little, Lisa and Brad Eaglcson and Blaine, Linda and Doug McMillan, Carla, Fabio and Dana, Ken Crawford, Joan and Michael Teague. Warmest wishes are extended to Ella and Dorothy on this happy occasion. Warmest birthday wishes arc also extended to former resident John Bcacock, now of Lindsay who celebrated his nincty : sccond birthday on April 1st. Happy Birthday, John. : Thé Cartwright High School is selling Easter lilies. They are 4-5 bloom plants and arc $10. each. If interested interested call the High School as soon as possible. The Blackstock and District Lions Club annual Farmers' Night held on Wednesday evening at the Recreation Centre was successful. successful. Lion Blair Martyn acted as the capable M.C. for the evening. Following the delicious roast beef dinner, Carol Shepherd brought greetings from her husband, M.R Alex Shepherd who was unable to attend. M.RP. John O'Toole introduced the guest speaker, Minister of Agriculture, Nobel Villeneuve who brought the group up to date on the current current agricultural issues. Following his speech, many other points were brought out in the extensive question-and- answer period. The drawing for many door prizes added to the evening's entertainment. All directors of the Blackstock Agricultural Society arc reminded of the important regular meeting that will be held this Wednesday at the Recreation Centre at 8:00 p.m. sharp. Please try to attend and be on time. This year the Blackstock Fair dale is Saturday, August 29. There seems to be confusion regarding regarding the date as there arc five Saturdays in August. The fair is always the Saturday before Labour Day weekend which happens to be the fifth Saturday this year rather than the usual fourth. The Tractor and Truck Pull dates arc Friday and Saturday evenings, July 3 and 4. Do mark your calendars accordingly. accordingly. Welcome home to Richard and Ruby VanCamp who spent March touring Australia and New Zealand on a fabulous fabulous trip in a group of thirty- five people from Quebec from Vancouver. Another couple of local interest on the tour was Grant and Ruth Ferguson. They visited many, many points of interest mak ing many air flights along the way. This week Shaun McLeod, Camborne is holidaying holidaying with his grandparents Ruby and Richard VanCamp when his Mom spends a week in Bermuda. Lois will enjoy a visit with her sister, Jill VanCamp who is on vacation this week. History is going to repeat itself very soon when Blackstock is going to once again have a doctor practising in the village. The last doctor here was Dr. J.A. MacArthur who practised for many, many years in the office in his home now owned by Blair Martyn and family. In early times there were two doctors, one in that location and the other in the office in his home now owned by Harry Michel and family. If you wish to read about the feuding between these two doctors, look it up in your History of Cartwright published by the Agricultural Society. These books arc still available. Hopefully Dr. Ralph Price will soon be here in his office next to the Town Hall in the former Belle Worry home. With Holy Week upon us there are special services in each of the local churches. On Sunday evening an outstanding outstanding Cantata "Walk Worthy" was presented by the United Church choir. If you did not attend you certainly missed a musical treat. The Good Friday service will be held for the United Church at its sister church, Ncslleton United at 11:00 a.m. Easter Sunrise service will be held at the home of Neil and Norccn Malcolm 13451 Old Scugog Road at 6:30 a.m. and regular morning morning worship at 9:45 a.m. at the United Church. All arc welcome welcome at any or all of these services. St. John's Anglican News by Colin Beal The traditional Palm Sunday Service at St. John's started in the Church Hall with Father Hugh blessing the Palms. After distribution of Palms to members of the congregation, congregation, the assembly was led in procession into the church. The children of the Church School then presented a delightful Liturgical Dance, with singing, in celebration of Palm Sunday. This was followed followed by a dramatized reading reading of the Passion according to St. Luke. The choir sang an anthem, "On that day when He rode into Jerusalem". Alter all this Choral Eucharist was celebrated. It was a beautiful beautiful and moving service and a fitting beginning to Holy Week. VIEW OF LAKE ONTARIO! Just listed! Spotless 3 bedroom, all brick 2 storey home on quiet court in Bowmanville. Gorgeous oak flooring on main floor, large eat-in kitchen overlooking family room. Large master bedroom with walk-in closet and ensuite. ensuite. Walkout from kitchen to deck and Call Terry Witherspoon 1 fenced back yard. Asking St 58,900. 623-3393 or 697-0332. 234 King Street East, Bowmanville (905)623-3393 Del's Mortgage Watch Today's Best Rate for First Mortgages. * Best Rates as of April 6th, 1998 ADJUSTABLE RATE N0RT6A6E5.49% 6 Months 5.60% 4 Year... I Year 5.65% 5 Year... 2 Year 5.80% 7 Year... 3 Year 5.95% 10 Year 25 year .. ....6.99% NOTE: We handle the transfer of an existing mortgage at No Cost! WE ALSO ARRANGE: • Second Mortgages •.Credit Lines • Personal Loans CALL: DEL DYKSTRA 697-3300 ^'m Joanne Simpson-tv j Sales Représentât! FIRST TIME I BUYER? Thinking of Buying or Selling? I Please call Joanne 1 576-5300. ro EXIT REALTY SHIRMAX 1 PETER | KOWAL r 52 King St. West Bowmanville Phone: (905) 623-2453 Fax:(905)623-0136 m sek\ i\(, iu)\\ \i \ x\ iu.i: \\i) \Ki; \sixth ms STARTER HOME!! Priced for action at $98,000. 2 bedroom bedroom home on 104 foot lot with sewer sewer and water. Good Bowmanville location. TAKE A LOOKI COTTAGE TIME: HEAD LAKE, NORLAND Just t 1/2 hours tram Bowmanville. Completely renovated lakefront cottage with new septic and deck, on year round road. Westerly view. Priced to sell at $124,900. BUILDING LOT: LANGSTAFF RD. 6+ acre level lot - levies paid - spring or pond site - school bus. $49,500, with terms. >. BUILDING LOT: HWY. 2, NEWCASTLE Almost 1-acre lot with level site and bush at rear. Drilled Well. $59,900. ISLAND LOTS - RICE LAKE Good building lots on Rack Island with deeded mainland docking and parking. Hydro on lot. Two available - lake your pick at $31,900. AFTER HOURS: Doreen Ullson* Toll-free pager 1-888-543-3208 John Bate* 905-697-1619 1 Elaine Kowal* 905-623-5868 Bill Turansky" 905-983-5420 Peter Kowal*" 905-623-5868 'SalesRep. "Assoc. Broker. "'Owner/Broker J P npi TflM *4- HNANCIAL LTD. | Division Street UCL I UIM MORTGAGES Bowmanville iFBAlj S^§ 234 King Street East, i v Bowmanville Telephone 623-3393 Toronto Line 686-1035 EXCELLENT 4 BEDROOM FAMILY HOME On large fenced pie-shaped lot, bright eat-in kitchen with walkout, to sunny deck, spacious spacious rooms, gas heat. A pleasure to ownl $147,900. Joan Deegan 1 623-3393. |§||j paiSI 29 ACRES - BOWMANVILLE Privacy galore with Soper Creek running through the property. Spotless 3 bedroom pan-a-bode home, eal-ln kitchen, family room, living room and dining room, 3 baths, full basement with walkout and rec room. 700 sq. ft. shop. Just listed at $259,900. Charlie Reid 1 623-3393 or 983-5914. LOADS OF SPACE 5 level sidesplit, 3 + 1 bedrooms, large family room with fireplace and walkout to patio, rec room, fenced yard. Just listed at $168,900. Val Aston 11 623-4907 or 623-3393. COMMERCIAL BUILDING $265,000. Bowmanville, great location.net leases, good tenants, huge lot. John Shewchuk* 623-3393 or 623-5927. PRICED FOR QUICK SALE Just listedl 3 bedroorivsemi .with remodeled kitchen:-dining room, walkout and large L-shape rec room with wood stove and bar. $114,900. Don't Call Joe Jeronimo 11 623-3393 (24 hr. pager). W «/fay cornerstone realty ltd., realtor 104 King St. E, Bowmanville « 623-6000 ■ David Passant* 1 Assoc. Broker Over 22 Yours of Service FAMILY WANTED lor this 2,085 sq. It. 4 bedroom bedroom brick and vinyl home, 3 1/2 years new, 4 baths, main floor family and laundry, central central air. Shows like nowl Asking $175,900. Also: $15,900. Start In this mobile $33,900. 12 x 60 mobile private spot, creek $135,500. Newer Courtice bung, on quiet court. $137,500. Country brick bung. 100 x 165 lot ,, $136,900. 1 1/2 storey, vinyl dad, pool $149,500. Immaculate 2 storey near park ' V $158,900, All brick 1600 sq.lt., 5 bedroom / $239,900. 3 acres with stream, 1600 sq. It, rancher For a market evaluation of your home, please ask for. , David Passant", Associate Broker, todayl 623-6000. ? Ron Moore 1 Sales Rep. 623-6000 24 hr. pager 623-9263 (res.) Marg Bain 1 Sales Rep, Call for details at (905) 623-6000 ej.p. 1600 SQ. FT. BEAUTY 3 bedroom, 2 storey with attached garage. 3 baths, main floor family room, main floor laundry room, walkout walkout to garage and walkout to fenced yard. Tastefully decorated and sits on 50' lot In Bowmanville. Priced to WHAT A KITCHEN! You must see this 3 bod- room link with attached garage and kitchen with loads of cupboards and a walkout to a fully loncod yard. 2 baths, in Itouso entrance to garago and flnishod roc room. Set In a settled area ol Bowmanville close to schools. This homo Is priced to soli at Call Ron nowl 623-6000 24 hr. pager sell at $156,900. Call Ron Moore now to view (905) 623-6000, 126 ACRE FARM Has A Lot To Offer - 9 year old stone and vinyl raised bungalow (Immaculate condition) -105 ft. barn with 7 box stalls - 2 seasonal streams - pond -10 acres sugar bush - 2 road frontages - 3 wells Asking $289,900. Call Marg or Linda for more Info. Broker , (905) 623-6000 623-6000 Members of the President's Club