Peter Ewen â€" Financial Consultant. Peter has a B.A. in Economics from the University of Western Ontario and an Honors Bachelor of Commerce from the University of Windsor, Peter is the president of his own company, Crescent Oi1, in Hamilton. Peter has been with me on a part time basis for five years and is a great help to us in tax season. William Cringan â€" Financial Consultant. Bill has completed the Business Administration program from Sheridan College and is currently enrolled in the CMA program at the senior level. Bill has three years experience in the personal income tax preparation business and has experience in the private sector as a controller and administrator. From left to right, William Cringan, J. Michael Finkbeiner, Lou Odorico Peter Ewen and Linda Kraay In a recent article I spoke of getting the right professional to handle your different tax and financial needs. All year round I focus on making my service to my clients better. This year I believe I have assembled my best team ever to handle your needs. I am very proud of the group I have put together. Here are their professional backgrounds. J. Michael Finkbeiner â€" President. I have a B.A. in Economics from the University of Western Ontario and my CGA accounting designation. I have been a controller of different private companies and the accounting manager for a division of Nabisco Brands Ltd. I have been in my own tax and accounting business since 1987. Lou Odorico â€" Vice President. Lou has a B.A. in Economics from McMaster University and is currently enrolled in the senior level of the CGA program. Lou was previously employed as a controller with a company in Hamilton for 11 years. He has been with Diversified for almost three years and is extremely well liked by our clients of all backgrounds. Linda Kraav â€" Financial Consultant. Linda is a graduate of the University of Guelph‘s Commerce program and is currently enrolled in the CMA accounting program at the senior level. Linda helped start our Burlington satellite location last year and has been with us full time ever since. THE STAFF OF DIVERSIFIED INVESTMENTS GROUP FOR ROOM AND BOARD n FTHE AlLANGUAGE WORKSHOP looking for community entertainers such as dance troupes, clowns. magicians and other forms of entertainment, except bands. Call the Oakville BIA at §44â€"4520 by June 1st For more information on this exciting crossâ€"cultural experience please contact. Debbie McDermontt 845â€"9407 Enthusiastic, caring families needed to host students from Spain for 4 weeks in July. Students attend English classes at Appleby College during the week. Weekends are free to spend with you. $85 PER WEEK REMUNERATION FROM OVERSEAS THIS SUMMER UPDATE 2442 LAKESHORE RD., OAKVILLE (Bronte Village Malil) (Continued from page 9) Diversified Investments Group Reserve a table for Oakville‘s Biggest Ever Garage Sale and Flea Market at T. A. Blakelock High School on May 28th, 8:30 a.m. to 2 p.m. To reserve table, $25 each or two for $40, call 845â€"0880 or §47â€" 7058 after 6 p.m. The Lung Association, Halton Region, offers Countdown Smoking Cessation program starting April 12th in Bronte. Seven session course runs for five consecâ€" utive weeks. Cost: $95. Information/regisâ€" Art Rental at Gairloch Galleries, 1306 Lakeshore Rd. E., continues every Thursday and Sunday, 1 to 5 p.m. Tables available â€"$20 apiece â€" for Bronte Legion ladies auxiliary Flea marâ€" ket, April 10th. Information: 825â€"2520. Martial Arts and Streetproofing Club begins April 23rd at 9 a.m., Hopedale Presbyterian Church, Third Line. Enrolment limited to anyone between the ages of 10 and 21. Information: 847â€"0893. You should also look at mortgage life insurance, especially where two incomes are involved. The low cost can be incorporated with your mortgage payâ€" ments. Your balance will be paid in full (the maxiâ€" mum varies with different financial institutions) in the event of death, terminal illness, or permanent disâ€" ability. Another option to consider is portability. If later, you decide to sell your home and buy another, you should be able to take your mortgage with you or transfer it to the buyer of your home without penalty. This can be a major advantage if your mortgage rate is below current market rates. Weekly or biâ€"weekly payments, instead of monthly, will shave as much as eight years and $63,000 off a $100,000 mortgage. PREâ€"PAYMENT PRIVILEGES Know the preâ€"payment privileges of the various financial institutions. These let you pay your mortgage faster. The longer the amortization period (the time it takes you pay off a mortgage), the more interest you will end up paying. Amortization periods range from five to twentyâ€"five years. Registration underway for Women Helping Women conference to be held Saturday, May 7th, Halton Regional Building, 1151 Bronte Rd. Workshops on relaxation techniques, native spirituality, conflict management, humor, assertiveâ€" ness, holistic health, reflexology, family Then there are specialty products such as TD‘s unique Multiâ€"Rate Mortgage, that let you divide your mortgage up into as many as five parts, each with its own rate and term. This way you put some of your mortgage in the short term and lock some, but not all, in the long term. It gives you the best of both worlds. The Lung Association, Halton Region, offers Countdown Smoking Cessation program starting April 12th in Bronte. Seven session course runs for five consecâ€" utive weeks. Cost: $95. Information/regisâ€" tration: §47â€"1033. Short term mortgages are appropriate if you believe interest rates will drop come renewal time. Long term mortgages are suitable if you feel current rates are reasonable and you want the security of budâ€" eting for the future. This is especially important for %ust comfortable with your mortgage payments. fixed rate mortgage allows 'yrouirofl;udï¬etâ€" pls;l;’ for whatever term you select â€" anywhere from one to ten years. A variable rate fluctuates with the market. ind i 9t ob : is nA law, be insured through CMHC for which the borrowâ€" er pays the insurance premium, application, legal and property appraisal fees. A closed mortgage usually offers a lower interest rate than an open one of the same term, but the open mortgage lets you pay off as much as you want, any time, without penalty. property, whichever is less. A high ratio mortgage is usually for more than 75% of the appraised value or purchase price. This type of mortgage is often referred to as an NHA mortgage because it is granted under the provisions of qle National Housing Act and must, by Is your child frustrated with school? Pine School is a nonâ€"profit, day school forstudents with learning disabilities. Individualized instruction in small class settings. Registrations accepted now. Information: 637â€"9285. A conventional mortgage is a loan for no more than 75% of the appraised value or purchase price of the The Canadian Mental Health Association is offering Seminars for the Separated, Tuesday, April 26th in Burlington, 7 to 10 p.m. Sevenâ€"week series with a selfâ€"help component for recently separated people. Fee: $40. Information/registration: 845â€"5044. tration: 847â€"1033. YMCA Spring Toneâ€"up programs Information: 845â€"3417. 120 Navy Street | on Tuesday, April 19th 3 700 p.m. ‘ To obtain more information or register for the seminar Call Dr. Calvin W. Breslin You can choose a fixed or variable interest rate. Imagine Life Without Glasses Or Contacts! en Thousands of once nearâ€"sighted people now enjoy this freedom. An advanced laser procedure which takes an eye doctor only minutes to perform has changed the way they see the world. If you‘re over 21 and nearâ€"sighted, you may be a suitable candidate. Informational seminars will be held at the p SELECTING THE RIGHT MORTGAGE The basic choices to look at in selecting a mort vace include: 4 gage include: conventional or high ratio mortgages closed or open mortgages fixed rate vs. variable rate short term vs. long term specialty mortgages that creatively combine the best of all worlds (416) 239â€"4623 â€"*ADVERTISEMENT â€" Dan Cooper is an awardâ€"winning Associate Broker with Countrywide Town Centre Realty Inc. and can be reached at 338â€"6550 Take the guesswork « out of shoppmg for a home. Take advantage of the professional resources available to guide youflï¬ough the many choices available when purchasing your first home. After closing, your lawyer will send you a reporting letter, as well as copies of all the documents that you have signed including the deed, the mortgage and the surveys and a summary of the flow of funds. HOUSEâ€"HUNTING CAN BE FUN Financial institutions, as well as CMHC, the Canadian Bankers‘ Association (CBA), the Ontario Real Estate Association and the Home Builders‘ Association all have brochures (even videos) to make houseâ€"hunting stressâ€"free and fun. "Mortgageâ€"Wise," free from the CBA, is especially good. ON CLOSING DAY On closing day, your lawyer will meet a representaâ€" tive from the vendor‘s law firm at the land registry office, exchange your cheque for the keys to your Eom and trade closing documents. The purchaser‘s legal rep will then register the new deed and mortgage. Finally, you pick up the keys and you‘re in! It‘s not a bad idea to involve your lawyer before you sign the Offer, which becomes the legal Agreement of Purchase and Sale once signed by both the buyer and seller. Once signed and accepted, your lawyer will order a series of searches from various municipal offices. This is to ensure that the vendors have not been sued and that they have paid all of their realty tax@l,dhydm, water an;! gas bills.t‘hand that there will be no old mortgages or liens on the property once you become the owner. > A few days before closing, you will visit your lawyer‘s office to sign the closing documents. Then you bring a certified cheque for the balance of the closing funds, because the lawyer pays the relevant parties on your behalf (Iand transfer to the government, balance owing to the vendor, etc.). The same advice applies to selecting your lawyer (and your banker for that matter) as your real estate ent: competitive fees, excellent service, knowledge able, approachable and, in a word, value. Make sure that you get the right combination of price and serâ€" vice. Mentor Team Parent Association preâ€" sents Prelude to Spring, dinner buffet and fashion presentation, Monday, April 11th at StageWest Dinner Theatre, Mississauga. Dinner and show, $50. Tickets: 278â€"5730, Oakville Literacy Council needs volâ€" unteers for oneâ€"onâ€"one tutoring. Call if you can help. Information: $15â€"2046. A program designed to teach women how to do breast selfâ€"examination for early detection, sponsored by the Zonta Club of Burlington and Burlington Breast Cancer Support Services, May 5th at Milton office of Cancer Society, 751 Main St. E., Milton. Free but preâ€"registration necessary. Information/reservations: 878â€" 1876. Great volunteer opportunities availâ€" able at the Canadian Cancer Society. Positions available in fundâ€"raising, golf, special events and more. Leadership posiâ€" tions available. Information: 845â€"5231. Evening classes in Kripalu Yoga, Mondays, 7 to 8:45 p.m. starting April llthi Information: Isobel Athey, 822â€"0645. law and building our selfâ€"esteem. Cost: $25 before April 9th; $35 after includes lunch. Child care for children 2 to 6. Information: 847â€"5520. BEFORE SIGNING THE OFFER ' 2 x ie s« For further information regarding new courses available with the above instructor please contact C.C. James Studio Halton Helping Hands, nonâ€"profit home support agency serving seniors and physically disabled adults. Regular house cleaning services, home maintenance, yard work, odd jobs and volunteer visiting. Information: §44â€"0252 or §78â€"6403. Appleby College Masters Swim Club, swim training for beginners or advanced Mondays and Wednesdays, 8:30 to 9:30 p.m. and Sunday, 11 a.m. to noon or Appleby College Aquafitness, exercising in the water without impact on muscles and joints Mondays and Wednesdays, 7:30 to 8:30 p.m. Information/registration: Jared, 827â€"7869. Learn to Line Dance at the Royal Canadian Legion Branch 114 Friday nights, 8 to 10 p.m. 136 Church St. Volunteers needed for Red Shield Appeal, Monday, May 2nd Canvass one hour, one night â€" no callbacks. Information: Sawn Samuels, 827â€"6189. Oakville Kiwanis Meals on Wheels needs spare and regular volunteers to deliver hot meals during thelunch hour to clients living in Oakville. The time involved is approximately two hours and training is provided. Information: Judith, 842â€"1411 Monday to Friday, 9 a.m. to 2 p.m. Great volunteer opportunities availâ€" able at the Canadian Cancer Society. Positions available in fundâ€"raising, golf, special events and more. Leadership posiâ€" tions available. Information: 845â€"5231. May Court Nearly New Shop, 200 Kerr St. Small household articles and clothing for the entire family. Items sold on consignment with proceeds to local charities. Hours: Tuesday, Wednesday, Thursday, Friday, 10 a.m. to 4 p.m.; Saturday, 10 a.m. to 3:30 p.m. Consignment accepted up to half hour before closing. Information: 845â€"4932. C.0.C.A. ANNUAL GENERAL MEETING THURSDAY, MAY 5, 1994 7:30 P.M. ST. LUKE‘S SCHOOL KINGSWAY DRIVE Oakville Trafaigar Memorial Hospital‘s Chiropody Clinic extended hours: day and evening appointments available. All footâ€"related problems treated by a registered chiropodist. Custom made orthotics also available. Call: 338â€"4669. 891â€"8977 or 823â€"6224. In support of Interim Place, Mississauca. Beginners Welcome CLEARVIEW OAKVILLE COMMUNITY ASSOCIATION