Page 12, Whlby Fr.. Preos, Weôiesday. Februwv 14, 1996 Vour Financial Health Derek Dutka Dealing with information overload At this time of year you are being bombarded by the largeet attack on youw senses by the financial services industry.' You can't turn on the television or radio, open a newspaper or magazine without realizing that its RRSP Urne again. Whether if's a life Insurance commercial showlng you erjoying the beach in your ealy retirement, a mutual fund-manager explaining how they râle thm lnvestznent world or a bank ad telllng you that they really care, each one of them le entlclng you to buy their produet. Everyone does need a product ... but whlch one? The mont motatpart of financial planning la just that - planning. Heres a short checklit to help determine which products are beut for you: 1. Set your goals - short, medium and long-termn: quantify them, b. specific. 2. How much risk can you acçept? (or how much risk do you need W 'take. to achieve your goals?). 3. Select asset mix - how much in debt instruments versus equity investments? 4. How involved do you want to be? Do it yourself, use a planner, or a combination? 5. Now you are i a position to select specific produets. 6. Check your omnfortlevel - oen you sleep at night with your new portfolio? 7. Monitor your plan. Review your'plan annually or if there, bas been a major change in your situation. Obviously, foflowing this checklist will take some Urne. Financial planning does take Urne. You can choose to invest the time yourself and become knowledgeable, or you can invest sorne time i finding a financial planner who you feel understands your situation. The fact ls, if you dont take the Urne ta set up a financial plan, youmay be leaving yourself in a very vuinerable position in the future. Havlng a clear idea of your. goals allows you to focus on the investments that you are most suitable for you, easlng the burden on yourmind during this mnas-ive two-rnonth advertising blitz by the financial companies. DvMw Dutka is an independent financial planner wzth Financial *Concept Group in Oshawa. ONTARIO GOVERNMENT1 NOTICE NOTICE 0F STUDY COMM NENCEMENT IIIGHWAY 12 FROM THE SOUTH JUNCTION 0F HIGHWAY 48" TO THE DURHAM REGIONAL BOUNDARY PRELIMINlARY DESIGN STUDY W.P. 611-89-00 The Ministry of Transportation (MTO) has initiated a Preliminary Design Study for Highway 12 from the south junction of Highway 48 to the Durham Regional Boundary to determnine the feasibility of improving the highway to accomnmodate the existing and projected growth in traffic. The Study is located -in the Regional Municipality of Durham and Township of Brock. This study is the prelimidnary step before detail design is initiated. During the next stage of the study, an En 'vironmental Study Report (ESR) documenting the anticipated effecs of the project and the corresponding miitigation measures will b e prepared and submitted to the Ministry of Environent and Energy (MOEE) for public review. Public Information Centres occuring at key points in the study will provide an opportunity for thepublic to provide input and discuss the project with representatives of the Study Team. TMe first information centre is expected to be held in April 1996. Advertisements in local newpapers wiil announce the dates and locations for the Public Information Centres. Brochures and individual notices will be distributed to residents and property owners within the study area and those requesting to be placed on a mailing list. We are interested in hearing any comments you rnay have about this study. Comments and information regarding this 'study are being collected to assist MTO in meeting requirements of the Environmental Assessment Act. They will be maintained on file for use during the study and may be included, with the exception of personal information, in the study documentation. For further information, or' contact: Mr. Garfield Dales, P.Eng. Project Engineer Ministry of Transportation Highway Engineering Durham and Niagara 5th Rloor Atrium Tower 1201 Wilson Avenue Downsview, Ontario M3M 1J8 Telephone: (416) 235-5576 Fax: (416) 325-8070 to be added to the mailing list. please Mr. Doug AlIlingham, P. Eng. Project Manager Tottem Sims Hubicki Associates 300 Water Street Whitby, Ontario LIN 9J2 Telephone: (905) 668-9363 1-800-668-1983 Fax: (905) 668-0221 Mr. George Ivanoff, O.A.L.A. Environmental Planner Ministiy of Transportation Environmental Section Sth Floor Atrium Tower 1201 Wilson Avenue Downsview, Ontario M13M 1J8 Telephone: (416) 235-5548 Fax: (416) 325-8070' FRENCH LANGUAGE EDUCATION RESTRUCTURINO Forum u pcoming in O shawa Parents and ratepayers can attend a Durhamn Board of Education forum on Thursday, Feb. 22 to discuss the study to restructure public French language education in the Greater Toronto area and the possible opening of a French language elementary school ln Durham. *Windows *Doors *Avvnigs * Siding le Patio Doors I ~Heidi Schempp, Consumers Gas Dealer yLow, F7-inancing Available I 3-15 Hopkins St.-. Whithy LI N 2C1j 668-2252 * 686-1853 The Durhamn board now purchases French language education services for Its francophone students from the Metropolitan Toronto French Language Schôol Council and the Durharn Rogion separate iochool board. "Notices about the forum have [A Va-e mn"r s * agi--"-m-- been sent to more than 4,,000 francophone resdenta iDurhamn,"i says Robert Fletcher, chair of the Durham Board's TFrench lanuage advlsory comxnlttee. The forum, to be held In the Trench langug, will be from 7 to 9 p.m. at L'Amicale, 707 Simca. St. S., Oshawa. F4WHEEL ALIGNMENT IS FRE E at DIXON . ALIGNMENT SfItssIn 4 "hellgnne e ringand suspnson rears owd st 317 HoplnZ.St. Whltby P, c!ý-D ,66&5167, IIE Gtte d eis ca. Ge i ftem * 1petl! \It In elrS a pof I a DRIPLESS ANNUAL RUST PROTECTION The best Annual Rust protection available for new or used cars, trucks, vans & sporty utility vehicles. Inter*ior Shampoo. " Vacuum complete interior " Utiliz e a special shampoo and extraction process to lift out stains and ground-in dirt 9 " Detail and cr dress dash, M cr doors and trim Offer expires February 29, /96 1 THIS W~EEKOL SWEET BUNYSWrrH' r.6/$1l.45 Ziebat Tid Car.MII[TE ùL S O1 * s .xire £ .. 19 1501 Hopkins St. Whtby 9IgI75 IM'IAI d# 666 1811, .666' 1f 1 ou z)tyU lc Ontario