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-3age 12, Whltby Fre. Pres, Weckesday, Febnuaty 7,1996 6~ RESIDENTIAL HEATING *& AIR CONDITIONING SALES, SERVICE & INSTALLATION 119 CONSUMERS DR., UNIT #2, WHITBY PH. (905) 428-182 FAX (905) 668-4467 TOENE CUT OUT AND MALBC --- ~ ~ ~ ~ ~ M N - -------- -------- ADDRESS_________ AJMERS niRESIDENJJAL HEA11NG &AIR C0NDMONING 119 CONSUMERS DR. I NUW tAILJrTv TELEPHONE: (L)-_1________ Li1DY Check off what you currently have in your house and circle what you are interested in using your $500.00 value with. PROGRAMMABLE THERMOSTAT 0 FURNACE U CENTRAL AIR CONDITIONING U2 ELECTRONIC AIR CLEANER U2 HUMIDIFIER 02 For your convenience our drop off box wiII be Iocated at The Facial Place, 216 Brock St. S., Whitby, Ontario I ~1 il I I I I I I I I I I " Woldys Best Selîng carli 1995 VOU(SWAGB OLF Power ocks, tinted glass, dual rffrs, advanced safety system, and much more. FROR $1295 CABROLET <ci ONLY) Power Locks, NO. AMIFM Cass., Alam, Air Bags, Ato. WAS $299495.00 SALE -$27r500 ~i1 m AUDI A6 V6, FàiIy Equippeci Sunnoof, Dual Air Bags , Anti Lock Brakes, Leather Intetior WAS $519,645.00O SWALE $46,100 EUROVAN WINNBAGO Ful=ly Eqippd chen, Can Seat Up To Six/Sleep For vlbe 12,000 BTIJ Forced Air Fumace FLEET SEJLL-OFIF FROM !$36.500 Y 1W5~t~ 35 MINUTES EAST- FROM flowiTOWN c~OWASCO VOL KSWAGEN INC. 'A.' Experence the Owasco Feeling. Proven 10 serve you BEST since 1972. An et CARE* and CMA award winner. Sales, seMWce, leasing. body shop,, ait makes. Rentais in Canada, USA anid Europe, overseas delivery. W 1425 Dundas St. East, Whitby OWASCO686-6410 .-RT OTP. DOLLAR FOR YOURTRAD El Your Financial Health Derek Dutka The huan factor You'll se. a lot of Information about RR8PI ad Investlng ln the news these days, especially leading up to the Feb. 29 RRSP deadllne. There are countless books, programa, courses, etc. that show people bow to invest their money wîsely and become financially Independent. These books and programs have become extrernely popular, andl of course you will always have a few people that eM to do very well. Why don't the m4~ority of the people ever seem to Improve. I cml i t the Human Factor. Lot me explain. Flrst on. must have the destre to actually set and achieve goas.,This means a willlngness to make decisions andI mplernent smre type of prograr. It also means tbat sorne sacrifices 'muet b. madl. today If youare golng to achieve long- term goals. Even If people have the desire, time becomes a problem. It takes time to mà up a financlal plan, to study the varlous lnvestment alternatives, the tax laws, te, Implement and monitor your Investrnents. It also takes Urnme for your investrnent to grow. Many familities finil that with children'sactivities, commuting, etc. ls la offen hard te finil Urne to juat relax for an hour, neyer mnd learn about lnvesting. This la where the services of a financial'planner can provide great value. Your Urne commitment can b. reduceil te a mnimnumn.. >Assuming someone bas the desire and Urne, the next stumbllng block la discipline. Sirnply iput, ths ls devising a plan, then having the intestinal fortitute te, carry It through, even though'there might b. a few tough moments. This usually irplies that logic would be used. However, humans are ernotional as well as logical and it may not corne as a surprise thaternotions usualywln out over logict rm smm eveiyone bas heard that you want to, buy low and seIl hlgh. Tou have probably also heard that mutual funds are a long-terrn Investment.Let megiv you an example.'The Fildelity Magellan Fund la the U.S. was mansged by guru Peter Lynch for ab-out 17 years. Under bisemanagement the fund averageil over, 29 per cent per year. Phenomenali But guesa wbat? a later survey showed tbat alrnost balf of the Investors (of a large sample) tbat bail owned the fimil durlng that. Urne bai actually lut rnoney. Why? The investors jumped l n after a good period and lost patience rather quickely, then solil after a poor perloil, showlng a complete lack of discipline andl logic. The lust and moot important hurnan factor Io procrastinatUon It seerna te b. part of human nature, putting off tii tomorrow what should, have been dong yestoiday. People know wbat their RRSP limit lsasà scon as they get their notice ofasssmment from Revenue Canaila - yet many of thern will wait until the last week of February of the next year to make any contributions. There la a saylng tbat goes "Urne Isarnoney." I dlsagree. I tlnk "time cati money." The longer you wait te get started, the greater the cost te you ln the future. Your financial planner can help you past the stumbllng block of 'the human factor.' Derek DuiFea is an independ ent finandial pionner with Fïnancia Concept Group in-Oahaupa. IN AIMERS' MID- WINTER $500oo VALUE GIVE AWAY! i I I I I I I I I I v-