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IG-WAl'hituxHIHlONICIE-Wedneuhy. luly 25.2012 Mortgage 1n' surance that works for you instead of the lender mortgage is usually the Whenyouptmortgage Whenyouuseapenonal you. Your premium is based on Asian-st single debt any ("ana- insurance from your lender \ . t i \ Insurance plan to you. your age, health and smoking tan will ewrtake on. The lender is the beneficiary of i» 1 \ I . ~ covermorwdebt status. that's enough to make any the policy. There is no cash value \|( )\ | \ You own the policy and your Your policy is designed for you body nervous and it's why "lost of and coverage expires when the designated beneficiaries can by an expert consultant to be us seek the protection of mortgage mortgage is paid off. choose how to use the funds to exactly what you need, with pre- insumnct- to make sure our home . \ pay off the mortgage. provide a miums that suit your budget, w,“ always be there for our family_ Coverage-decreases a monthly income or take care of Mortgage protection 18 the mu“. what may. I is the right and (Zoverage decreases as the ‘ ‘ -' immediate needs right and prudent thing to do, but prudent thing to do. mortgage is paid down but your Z 45, be sure it protects you and not the What isn't always the best 50m. premiums remain the same or i 2} Youroowengedoan’tdecllne lender. tion is muting that mortgage me increase over the term of the ”an Your coverage doesn't decline Your professional advisor can insurance is the only option for mongflgfi ' , y» with your mortgage balance. Cov- help you choose protection that this protection. The lender’s policies may allow erage continues after the mort~ works for you and integrates sure, it‘s easy to do as mortgage them to adjust your premiums or gage is paid. protecting your bene~ seamlessly with your overall finan- life insurance is typically offered even change or cancel the policy ficiaries for the life ofthe plan. cial plan. as part of your lender's mortgage at any time, You. and only you, can cancel package and the cost of coverage 0!“ make changes to YOUI’ personal ... is simply folded into your monthly The policydoe-i’t mun-my plan. And premiums are guaran- This column ispmm'ded by mongage payment. move with your new It don’t meet your needs teed for the life of the plan. McFachm'e Group But that may not be the best If you decide (0 move your The mortgage insurance is not PdmteWealthManagement. option for you, mortgage to another lending insti- customized to your situation. and Influence moveswlthyou Conner Russ Mcflrchm'e, tution for a better rate. it is likely may not provide the right type of Move to another home or move CFBCPCA. CDFA at 519-886-2360 Here‘swhy: your existing mortgage life insur- insurance coverage for your to another mortgage and your ext.241 or rustellmceachnw ance may not be moved. needs. personal insurance plan goes with inmtorsgmuptcom O I Waterloo North Hydro Inc. fined 35 1 1 0,000 after worker 1n]ured Waterloo North Hydro inc, an Workers from Waterloo North through aduct. A job plan would have identi- Ontario lustice of the Peace Ruth electricity distributor for Hydro inc. had installed trans- The tape came into contact fied all known hazards and imple- legato Exon. Waterloo and the surrounding formers on site and were attempt with a newly energized electrical merited controls for each hazard in addition to the fine, the area. was fined SI l0.000 last week ing to send power from a trans- conductor and caused an arc to protect workers from injury. court imposed a 25-per-cent vie- for a violation of the Occupational former in one location to a trans flash. The worker was badly Waterloo North Hydro inc. tirn fine surcharge, as required by Health and Safety Act after a work former in another location. burned. pleaded guilty to failing to estab- the Ontario’s Provincial Offences er was injured in an accident in the As power was sent to the sec- A Ministry of [about investiga< lish and implement an adequate Act. {all M2010. 0nd transformer. a worker for an tion found that an adequate job job plan prior to installing and The surcharge is credited to a On Oct. 12. 2010. a mail was electrical contractor was in plan for energizing the transform- energizing the transformers. special provincial government under construction in Waterloo. the area routing a metal tape ers had not been documented. The fine was imposed by fund to assist victims ofcrime. HYPERDRIVE announces fundlng for seven candidates ready for prime time (Iommunitech announced its companies have been selected; workouts by professional athletes. Seas platform that automates and advertising opportunities. first cohort of companies partici~ now it's time to show the tech Through Coachd. professional ath- centralizes the end-to-end process Willen4f‘ood pating in llYl’l-ZRDRIVE. its $30- world HYPERDRIVE in action,” letesareabletogrowand monetize ofhiringengagingandadminister- Will Pwn 4 Food is gaming for million startup incubator, which said lain Klugman. CEO of Com- their fan base. while sirnultaneous- ing contract and temporary workâ€" money. The company creates fast» includes seven diverse. risingstar munitech. ly buildingtheir personal brand. ers. The system functions across all action 3D games that you can play stanups ready for prime time. The following seven companies New departments across the entire directly in the web browser for llYl’lERl)Rl\'li was introduced make up the first group of HYPER- Killer Giveaways is a cost-shar- enterprise. SimplicityVMS' easy-toâ€" actual cash and prizes. Gamers three months ago and has seen sig- DRIVE stanups: ing platform that pools small busi- configure platform reduces the have the skills to pay the bills, but nificant interest from funders and nurses together so they can afford time and cost to implement best- nowhere to go to put their money panners Bulldclrde expensive giveaway prizes such as of-breedVMS technology. where their mouth is. And that’s ilYPi-iitllel-l is designed to Buildcircle provides contractors vacations and gadgets at oneâ€"tenth '\. Wine. wherethl Pwn 4 Food comes in. accept up to lo companies. up to with cloud-based software services the cost Small businesses can now StampMe Inc. revolutionim the 814ml (hnadaCorp. three times per year. granting entry to privately create their most com- incentlvize their visitors just like process of collecting loyalty points 8146861 Canada Corp. is a new only to stanups that satisfy criteria petitive bids in response to con- the big businesses. and generate through a digital stamp that works Waterloo-based start up with a vet- derived from a lean-startup model. structionienders. hundreds and thousands of dollars on smartphones to simulate the eran team which is currently work- “This is what all the excitement Candid worth of social media exposure. buy-lO-get-one~free stamp cards. ing in stealth mode and looking has been about â€" the applications (Ioachd is a mobile app that traffic. fansandleads Vendors are provided with forward to launching its initial Beta have been evaluated. the prospects allows sports fans and amateur SmpllcltyVMS real-time business intelligence and company brand later this sum~ have been interviewed and the athletes to he coached through SimplictyVMS is a cloud-based. data as well as on-demand mer. r v“ Lu” {2 3 f, . 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