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* DEPENDABLE _ * WE THINK GREEN * QUALITY * FAST FUSSY For A Free Estimate _ 845â€"3777 Our Goal ... 3rd vLeat}‘i‘eT | 8 th. Bfon 4th Flowers 9th Potte 5th Wood 10th Tin > TOWN OF OAKVILLE 845â€"6601 We sometimes take it for granted, but a solid homeowner‘s insurance policy can be worth its weight in gold. Literally. That‘s why the members of the Insurance Brokers Association of Oakville recommend you review your coverage with your broker to ensure the policy you have is the one you need. There are three different types of homeowner policies available today and your choice will depend upon the amount of protection you require: *Standard is the most basic and it covers "named perils" only â€" this is a fairly limited form of coverage; *Broadform provides "allâ€"risk" coverage of your building and "named perils" only (limited coverage) on your contents; and *Comprehensive provides allâ€"risk coverage of your building and its contents Each type of policy is usually subject to limitations on jewelry, watches, furs, boats, money, bullion, securities and coin and stamp collections. Each policy may be further customized to fit your particular needs through the purchase of special extensions. For example, you can extend your policy to cover your pleasure boats, watercraft, seasonal homes, food stored in your freezer, businessâ€"related property in the home, sports equipment and silverware, and SUPPORTERS OF THE TOWN OF OAKVILLE 94 DIRECTORY THANK YOU TO ALL (Premium Pointers) By Carl Whaley Sth Bronze 9th Pottery Carl Whaley Anniversary Band . you can purchase extra coverage to reimburse you for damage caused by sewer backup or earthquake damage. We recommend your discussions with your broker should be geared towards helping you obtain the broadest coverage possible for your specific needs. An upgrade to a more comprehensive type of policy is surprisingly inexpensive, and can save considerable heartbreak â€" and expense â€" should you need to make a claim. Due to possible restrictions in coverage, we highly recommend you notify your broker of: *any changes in your living quarters or arrangements; *the existence of any borders or tenants; *partâ€"time or fullâ€"time babysitting or childâ€"care occurring in your home; *any business activities operated from the house; *any plans to vacate or leave unoccupied your home for periods in excess of 30 days (i.e. winters in Florida). If you do have tenants, you should insist they obtain contents insurance on their own, and regardless of your circumstances or living arrangement, you should consider obtaining high limits of legal liability. Many recent insuranceâ€"related claims have been excessively high. To be sure you get the right advice, we recommend you discuss your coverage with a qualified insurance expert belonging to the Insurance Brokers Association of Oakville. Carl Whaley is President of Bronte Whaley Insurance Inc. David Wilkins Serving Oakville Since 1986 Your Insurance Broker ‘â€"â€" Understands » Cm » C C in qy NT M 1 carat T.W. 61 diamonds set in a 14 Kt. yellow and white band. DD 211 REG. $799 (Continued from page 9) Caaand Wind Nanaa Rand Tinkate in Ractmwatinn Ennd 340 Rebecca St. Featuring organ soloist Peter Hanson. Free admission. Information: $26â€"5915. Lakeshore Waldorf Kindergarten, 160 William St., Open House, 1:30 to 4:30 p.m. (also June 5th 7 to 8:30 p.m.) _â€"_Colborne Centre, Third Line and Lakeshore Road, Senior Prom. Dinner at 6:30 p.m. followed by dancing to the UPDATE "Premium Pointers" 467 Speers Rd. #15 Oakville Ont. L6K 384 Cocktail and Dinner Parties Showers â€" Weddings Menu‘s To uit Your Every Desire Michael Reinhold Mark Bartholomew Chefs / Owners * BRX Anniversary Band Phone or Fax (905) 842â€"3039 St. John School, 1480 Mansfield Dr., celebrates 25th anniversary 1 p.m. Mass, celebrant Auxiliary Bishop Ustzycki. Reception, 2 p.m. Previous staff and stuâ€" dents invited. Annual â€" Museum _ Volunteer‘s Strawberry Tea, 2 to 4 p.m. Museum, 8 Navy St. Tickets, $5, at the door. proceeds Single Adults Alive, an interdenominaâ€" tional single adults group meets, 111 Prince Charles Dri. Guided nature walk through Riverwood Estates at the Forks of the Credit River followed by evening barâ€" becue. Cost: beverage of your choice and a free will offering. Meet the first and third Saturday of each month. Events calendar available at Good Books, Oakville Town Square. Information: Ruth, 842â€"8941, John, §47â€"2707, Marrion, 822â€"5958, Stewart, 842â€"7781 or Bonnie, 844â€"5705. Second Wind Dance Band, 8 p.m. Tickets, $20 or $5 for dance only. Purchase by June 2nd at 3:30 p.m. Information: 825â€"9805. Members of Colborne Centre invited everyone to join them on a Fitwalk in celâ€" ebration of Fitweek, 10 a.m. 2 or 5 km walk. All ages welcome. Bring the grandâ€" children, children, friends. Call: 825â€"9805. South Peel Naturalists Club Field Trip to Turner Tract for song birds. Meet, 7 a.m., Bronte/QEW pooled parking lot. Bring lunch and scopes. you pay for your new home will be agreed by a simple process of offer and counterâ€"offér. You will not meet with the seller during the negotiations; instead, the real estate salesperson acts as goâ€"between. The formal offer is presented in written form, on a document whose name varies from province to province. How much is it worth? The price Agreement of Purchase and Sale, an Offer to Purchase, or an Interim Agreement, but whatever the name its purpose is the same. It‘s a standard form which contains the clauses necessary in a legal contract to buy. It has been drawn up by lawyers, approved by the local real estate association, and is used by registered real estate representatives. Everything in the Agreement of Purchase and Sale (Selling Agreement) is important, but three pieces of information are crucial. Consider them carefully, and remember that your real estate salesperson is qualified by training and by experience to help you with your decision. They are â€" the amount you are willing to pay for the property, the size of the downpayment you wish to make, and the date you require possession. You may want to make the offer subject to certain conditions. For example, you may not want the offer to become binding until you are able to negotiate a suitable mortgage for the new home, or are able to sell your present home. Conditions of this sort are often a prudent course of action, and your real estate professional will be able to advise you on how to use them. 7 graduated diamonds. 14 Kt. DD 218 REG. $829 SUNDAY JUNE 5 offer form. It may be called an Channel Set Band Oakville Parent Child Centre Time Out: Returning to the Workforce: Where do I Begin? with Linda Rattenbury, proâ€" ject counsellor, Career Action Centre. 337 Kerr St. Information: 849â€"6366. Halton Multicultural Council and its Race Relations committee Workshop entiâ€" tled Building a Positive Playground, funded by the Federal Department of Canadian Heritage and held in conjunction with Sheridan College. Registration, $10, free for youth, children and seniors. 7 to 9 p.m. Information/registration: 842â€"2486. to Erchless Restoration Fund. Mothers Morning Out, 9:15 to 11:15 p.m., Chartwell Baptist Church, Chartwell Road. Enjoy guest speaker and stimulating conversation while your child is cared for in a room down the hall. Information: Aid For New Mothers, §44â€"9009. Air Cadets for youth 12 to 18 meet T.A.Blakelock, Rebecca Street. Overeaters Anonymous meet, 8 p.m., Knox Presbyterian Church, Dunn Street. Information: Sharon, 844â€"9518. Are you responsible for recruiting, training and placing volunteers for your If you wish to buy appliances, carpets, and other items (commonly referred to as chattels, fixtures or inclusions) along with the home, you should state precisely what you want in the offer. acceptable as it stands, the seller (or sellers) will countersign it, and the Selling Agreement becomes a contract binding on both parties. If it is not acceptable, the seller will make a counterâ€"offer by substituting new figures, dates or conditions. You then have the option of agreeing to the new terms, or making a fresh offer. When both parties agree on every detail, the Selling Agreement becomes a contract. Dan Cooper is an awardâ€"winning Associate Broker with Countrywide Town Centre Realty Inc. and can be reached at 338â€"6550. the buyer to make a deposit at the time of the offer. This is a legal requirement, and is also a show of good faith on the part of the buyer. The size of the deposit is one of the points that can be negotiated in the Selling Agreement. Often it ranges from 5â€"10% of the purchase price. The deposit is held in a trust account by the real estate brokerage company, and will eventually be treated as part of the cash payment which is part of the purchase price. A deposit holds. It is mandatory for Real Estate ... The Bottom Line Dan ill they accept (See ‘Update‘ page 17) 14 Kt. Aniversary Band with 10 channel set diamonds. 1/3 ct. T.W. DD 123 REG. $489 it? If your offer is