Peter Lynch, one of the world‘s most successful investors said ... "A stockâ€"market decline is as routine as a January blizzard in Colorado. If you‘re prepared, it can‘t hurt you. A decline is a great opportunity to pick up the bargains left behind by investors who are fleeing the storm in panic." Warren Buffett, America‘s epic investor, and whose investment philosophy I share said ... "I like to invest in times of pessimism, not because I like pessimism but, because I like the prices that pessimism brings." If you can invest more profitably than Lynch or Buffett, then press on. If you are like most investors compared to these two giants of investing, dwarfs, then you may choose to benefit from their years of successful investing in constantly changing bear bull markets. And like Rudyard Kipling wisely urges ... "if you can wait not be tired of waiting ..." ©® of your investment philosophy, because if you @ don‘t have a proper one, you‘ll allow your emotions rather than your intelligence to decide for you. !. It‘s times like these that test the understanding Document imaging is the conversion of your business @ files to electronic form which are then stored and processed on your PC. With imaging software you can capture, store, recall, and manage information. Your documents are captured as images with a scanner (i.e. photocopyâ€" ing them directly into your PC) creating an electronic filing cabiâ€" net. How long does it take to share and retrieve information? Within seconds you can retrieve information or share information on a network. For example, employees in one insurance company haa access to a client folder only if it had not already been signed out. Often attached memos and/or complete folders were missing. The solution was an optical storage and retrieval system. (imaging) What about cross referencing a document?In this particular insurâ€" ance company each folder is cross referenced to one or more of the 200 different contract documents with electronic annotations ana the employees are provided with simultaneous fingertip access to thousands of clients. Is imaging limited to a specific business? Virtually any business can use document management and imaging. The judicial system uses it for storing, retrieving and sharing documents for litigation, depositions, contracts, and client correspondence. Providers of financialâ€"services have instant access to Revenue Canada rulings, propectuses, and annual reports. Corporations utilize it departâ€" mentally in marketing, competitive analysis, customer support, human resources, and client presentations. Research studies in areas such as pharmaceuticals and medicine have implemented imaging in clinical drug trials. Industries with employees working with hazardous materials need immediate access to MSDS sheets (Material Safety Data Sheets). e MUTUAL FUNDS? M.ELPS? OIL e GAS? EXCESSIVE INVESTOR OPTIMISM NOW TURNED TO PESSIMISM? e What is document imaging and how @ would I use it? Corporation Patricia Rock, President 111 Peter Street, Suite 804 Toronto, Ontario MSV 2H1 Telephone: (416) 581â€"1740 Fax: (416) 581â€"0274 Imara Research ® child‘s spine and correct when indicatâ€" ® ed, the spinal problems that haunt adults in later life. Remember as the twig is bent, so grows the tree. !- A chiropractor‘s goal is to evaluate a Neck problems later in life can be caused by lying a baby on its stomach and having its head turned constantly in the same direction. Colic can be a sign of a spinal misalignment. The suppleness of a child‘s spine can adapt or compensate for playground accidents altering normal spinal growth. The adolescent sports enthusiast most often sufâ€" fers the greatest spinal damage. e.g. The young gymnast is expected to be sore after a workout. Did the repeated falls injure the muscles or the spine? Your chiropractor has the ability to treat a spinal injury that can effect adult life or deterâ€" mine if a medical referral is indicated. ® available in the weight loss and ©@ management area it certainly becomes confusing. Initially you should address what kind of diet it involves, is it real food, prepared meals or meal replacements? I certainly feel that without a real food base that learning new ways of eating are too delayed and perhaps never occur. Is there modification of behaviour involved? This must go beyond attending a clinic or writing food diaries, it must also look at the reasons a person has developed a weight probâ€" lem in a behavioural way. Is there a sound ratioâ€" nale behind the advice regarding supplements and vitamins? I believe that counsellors should be able to provide this important information in an understandable way. Any low calorie diet should be assessed to insure that adequate amounts of protein are added due to the body‘s need in the low calorie situation. These are just a few of the things to look for in assessing a proâ€" gram, we believe that the better informed you are, the greater your success will be. DON‘T JUST DO IT... DO IT RIGHT at the ARGUS MEDICAL DIET CLINIC. s_ As you look at the many and varied proâ€" e How do I choose a Weight e Management Program? e What can chiropractic care ® offer my baby or child? CLINIC Dr. Greg Thomson 581 Argus Road Telephone: 338â€"7227 MEDICA L When you feel that interest rates are reasonable, or unlikely to drop, you might prefer to choose the security of lockingâ€"in the current rate with a Long Term Mortgage, 3 to 5 years. This can make it much easier to budget for the future. E AMORTIZATION PERIODS Your amortization period is the length of time you‘ll be making payments on your mortgage. Changing your amortization means If you think rates will drop substantially within six months to a year of signing or renewing your mortgage, you could be better off with a Short Term Mortgage. You can lockâ€"in later on, when rates are lower. OPEN 1â€"YR. FIX. RATE]| 9 MONTHLY OPTION _ | RATE VARIABLE RATE OPEN 6â€"MTH. FIX. RATE]| 925 REG. 3â€"YR. FIX. RATE | 11.00 E SHORT VS. LONG TERM Deciding whether a Short or a Long Term Mortgage is for you depends largely on where you think interest rates are going. THESE EXAMPLES ARE MONTHLY PAYMENTS FOR A $80,000 MORTGAGE AMORTIZED OVER 25 YEARS Mortgage Options to Help you Save book store @special orders K book clubs BoooLkK ce mss $615.56 $688.82 $770.02 $197.65 $825.52 $662.38 €747 6h changing the number of years you‘ll take to pay off your mortgage. If you‘re trying to save money, choose the shortest amortization period you can comfortably handle. Some people pay off their mortgage in as little as five years, but not all of us can afford that luxury. Still, if your budget allows you to pay of a little extra each month, you‘ll be surprised to see how much faster you can pay off your mortgage. A shorter payâ€"off period can save you thousands of dollars in interest. If mortgage rates drop, you have an additional way to cut down your amortization period. You can make the same regular payments after renewal. Less of your payment will go toward interest, so you‘ll be paying off more of the principal. A truly painless way to save money! Dan Cooper is an awardâ€"winning Associate Broker with Countrywide Town Centre Realty Inc. and can be reached at 338â€"6550.