Dr. Y. Karas is an eye physician and surgeon who has performed over 6,000 refractive surgery procedures including both RADIAL KERATOTOMY and LASER KERATECTOMY. Dr. Karas is presenting an important and informative series of free seminars in order to discuss refractive eye surgery with people like you. Dr. Karas will discuss topics including how to tell if you are a good candidate for surgery, what the stateâ€"ofâ€"theâ€"art procedures in the field are, how safe each technique really is, why the FDA has not approved Laser Keratectomy in the U.S., why some eye surgeons approve of refractive surgery while others disapprove of it, and, most importantly, any additional topics which interest you. If you have been thinking of refractive surgery as an option for eliminating your glasses or contact lenses, you owe it to yourself, and to your eyes, to hear what Dr. Karas has to say BEFORE you make any final decisions. To make reservations for the next free seminar, or to book a free private consultation with Dr. Karas to discuss refractive surgery, please contact: Founded in 1874, Trafalgar Castle School is committed to preparing young women for the pursuit of excellence. This Independent Boarding Day School Offers: * a challenging academic program from Grade 7 to University entrance (95% of graduates go on to postâ€"secondary studies). * individual attention in small classes by dedicated faculty (average 12 students per class). + a safe and secure. 10 acre campus for resident day students and located 45 minutes from downtown Toronto by GO train or car. | + a full sports program, drama, art, debatmg, vocal instrumental music, etc. * limited bursary funds available + daily shuttle service for students to and from Whitby GO Station. Tuesday, April 19 at 7:00 p.m. Burlington Holiday Inn WHERE EACH GIRL IS AN INDIVIDUAL Thinking about Eye Surgery to Eliminate Glasses or Contacts? PLEASE COME MEET US ON INFORMATION DAY â€" SAT., APRIL 23 10:30 A.M. â€" 12:30 P.M. For further information or a copy of our video or a brochure contact: Trafalgar Castle School 401 Reynolds St., Whitby L1N 3W9 (905) 668â€"3358 The Karas Vision Centre 10,014 Yonge Street Richmond Hill, Ontario L4C 118 (905) 884â€"2020 / 884â€"8733 DECLARATION All condominiums have to go through an approval process. The condominium has to be "registered" and until this is done, title to the unit cannot be conveyed to a purchaser. In order to have a condominium registered a lot of documentation has to be completed. One of the most important documents is known as the "Declaration". The declaration is the bible of the condominium and also results in the creation of the condominium corporation. .. The primary features of the declaration are as follows: (a) It will set out the number of units in the condominium. (b) It will fully describe the boundaries of the units. (c) It will set out what areas of the condominium are for the exclusive use of the unit owner and which areas are for the general use of all owners. (d) It deals with the issues of parking and locker spaces (note: this part should be checked very carefully by your lawyer because there are a number of ways that parking and locker spaces can be dealt with in a condominium declaration. (e) It outlines common expenses. The declaration has to specify and define the expenses involved in performing the duties and obligations of the condominium corporaâ€" tion as well as any other expenses which the Declaration or the Condominium Act defines as common expenses. (f) It defines what the common areas are. (g)It provides for any restrictions on dealing with the unit which may include restrictions on the uses of the unit, on pets and may even restrict the ability of the unit owner to lease vut the unit. This portion should be very carefully reviewed by your lawyer to make sure that the unit is compatible with your needs. (h) The Condominium Declaration also details what is included in the Common Expenses. Some items that may or may not be included in the Common Expenses. Some items that may or may not be included are snow removal, lawn and garden maintenance, security, bulkâ€"metered utilâ€" ity charges and repairs and maintenance to Common Elements. It is important to know which utilities are bulkâ€" metered and which are paid individually by unit owners. ESTOPPEL CERTIFICATE The "Estoppel Certificate" is an important document which will tell you whether the present owner of the conâ€" dominium unit is in arrears for common expense payâ€" ments and whether or not there exists any claims for liens Every condominium unit.owner also owns, along with the condominium unit, an "Undivided Interest" in these common areas. That interest is usually in the same proâ€" portion as the individual unit bears to the entire condoâ€" minium... For example, if there are ten equal size units in a condominium dwelling, then each unit owner, along with ownership of the individual unit, also owns a 10% interest in the common areas. WHAT IS A CONDOMINIUM? A condominium is one of several forms of ownership of a home. In a condominium, there are multiple units. While each unit is owned by the person who buys the home, there are other elements of the development which are, held in common. These are known as "Common Elements" and include such things as common hallways, recreational facilities, lobby area, elevators, etc. Blakelock hosts Skills Olympics April 23 The Skills Olympics is hosted by the Halton Board of Education and features 25 competitions. The competitions start at 9 a.m. with closing ceremonies wrapping More than 400 secondary and eleâ€" mentary students are expected to compete in the seventh annual Halton Skills Olympics on Saturday, April 23rd at T. A. Blakelock High School. Susan â€" Watt, the Police Complaints Commissioner for Ontario will be the guest speaker at the Wed. April 20th meeting of the Oakville Canadian Club. She will speak on ‘Policing and Oversight Issues in Ontario‘. The meceting will take place at the Howard Johnson Hotel and Police Complaints Commissioner speaks to Oakville Canadian Club MAPLE LEAF El\gï¬IANGING BRACKET EeC This unique bracket, hand made with careful attention to preserving the natural beauty of wood, belongs in any back yard setting. Use it to hang plants, windâ€" chimes or bird feeders. To order your Maple Leaf Hanging Bracket, clip coupon, send to Box #4511, The Oakville Beaver 467 Speers Rd. Oakville, Ontario L6K 3S4 or phone (905) 855â€"2290, ask for Andrea The disclosure statement provides all kinds of informaâ€" tion about the condominium unit you are buying. Included in this information is a statement or a budget for the first year following the date that the condominium is regisâ€" tered. The Condominium Act provides that for every agreement entered into after June 1, 1979, the agreement is not binding on the purchaser until the declarant delivers to the purchaser a disclosure statement. The Act goes on to indicate that once you as a purchaser have received a disclosure statement, you have 10 days in which to cancel (with certain limitations). These are critical dates for you and your lawyer to be aware of because they afford you in some instances an opportunity to reâ€"negotiate a portion of the deal. In summeary, it is clear that if you are considering a purâ€" chase of a condominium unit or townhouse, you should be prepared and seek legal advise prior to entering into the contract. which have been commenced with respect to common expense arrears. It also sets out the exact amount of the common expenses for the particular unit you are interestâ€" ed in and lets you know when the last payment was made and when the next payment is due. BUYING FROM A BUILDER When you buy from a builder, very often the building has yet to be built or is under construction. This changes things somewhat in terms of buying and there are some advantages available to a purchaser. The government has to approve the proposed declaration and description plan before it can be registered. They cannot approve these documents until all the units in a new building have reached a certain level of construction such that they are ready to be occupied. Because of this, the system is set up so that there are actually two closings on a condominium purchase; (i) an interim closing and (ii) a final closing. When you enter into an Agreement of Purchase and Sale for a condominium from a builder, you should receive a variety of documentation which, by law, has to include a "Disclosure Statement." The interim closing occurs when the building is ready to be occupied and the final closing occurs when title can be transferred. On the interim closing you will be required to pay a monthly occupancy fee which is equal to the common expenses and interest payments on the mortgage as set out in the Agreement of Purchase and Sale. Dan Cooper is an awardâ€"winnin Associate Broker with Cour::?'wia:'g Town Centre Realty Inc. and can be reached at 338â€"6550. If successful, they will then comâ€" pete against students from across Canada at the Canadian Skills Competition on May 19th at Copps Coliseum. The gold medal winners in the Halton competition will compete in the Ontario Skills Competition at Hamilton‘s Copps Coliseum on May 16th. up at 3 p.m. Cost for members is $19 and $24 for nonâ€"members:â€" Cheques should be made payable to The Canadian Club of Oakville, c/0 307 Robinson St. Box 52148, Oakville, Ont. L6J TNS. Call §45â€"862 for further inforâ€" mation. starts at 6:15 p.m. with a cash bar with the 7:00 p.m. dinner to follow.