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WHITBY FREE PRESS, WEDNESDAY, FEBRUARY 28, 1979, PAGE 19 DOULAR tente Wïntertime, is -the best house buyers market By Alble Landau, CA' Planning to buy a house? Then try not to be stampeded into entering the market at the wrong time of year. As with any invesîrnent, timing is most important if you are to gel the best deal. The bouse market works on a seasonal basis -ý- so there is a good time of year in which to sel and a good time to b uy. Timing , with other investments, such' as securities, -commodities, and land speculations, is a game of chance. This is not so in acquiring a house. General fiancial advice by members cf the Institute of Chartered Accountants of Ontario. Yet the majority of sales are made during a sellers' rnarket .. between spring and late fail. It is during the winter rnonths that the wise investor begiýns to shop around. In January, February and March sellers are chiefly looking for a quick sale for any of a nuniber of reasons. They cannot wait for sumnier, when better prioes will be paid because of greater buyer demand. Defects in the condition of a.dwelling will also be more obvious in the winter wben the cosnietics'are off: trees and shrubs ,are«* laid bare, no flowers or lush green lawn 'to distract the eye. We can get down 10, poking and peering into such things, as the heating system, which would not be working durinîg warm weather. Poor plumbing, darnpness in walls and poor insulation also will be spotted more quickly. Take a look, at the ro.of if there has been %i recent snowfall; lack of snow cornpared- with adjacent bornes will indicate poor insulation. Cracks i the outside paintwork and in driveways will be etched more clearly during these darnp dark rnonths. And frost -will pull away loose cernent around the outside basep*f the house. If' the estiniated cost of repairs is high, do not buy it. br, make sure your offer takes sucb costs into consicleratidn - it may help, you gel a bargain. You already know that because of the need for a fast. sale, the seller is not expecting top dollar. .Now try a bid at 85 per cent of the askingprice - minus a substantial reduction for repairs. At this lime of year you will probably find further savin gs, such as in Mortgage intereat rates. There is' already an oversupply of such funds but also, it is at the beginning of the year that mortgage lenders make up their budgets .- a lime of year when business is sl1ack. 'Further, bargaining means a little more work for you but the return can be most satisfying. Mr. Landau fi; with Mapilelbaumn Landau & Btosenburg, Toronto. GOOD MEDICINE A, challenging solution to the high cost of medical care will be presented b tothe meeting of the UCW at St. Mark's United Church, Centre and Coîborne Streets, March 6 at 8 p.m. All are welcome. The BBC film "A Fair Share of What. Little We Have" will illustrate Tanzania's National' Health System which has inereased the availability of medicalI care while reducing costs Up to 85 per c ,ent. CUSO worker Cameron Bowes, of Whitby, who has worked with the Tanzanian, program for seven years, will describe his experiences and answer questions about how well the concept actu- ally works in practice. ST. PATRICK'S DANCE Hall Three of the Whitby F'ire Department presents a Firefighters' St. Patrick's Day Dance March 17 from 8:30 p.m. to 1 a.m. at Hey- denshore Pavilion. Tickets are available from fire- fighters or at Hall Three (Brock and Colborne Streets). COFFEE BREAK The followi 'ng are* the topics to be discussed at the "CoffeeBreak" sessions at Feb.- 27 and March 1., Farnily Planning and Life- styles with Joy Goudge of the Durham Regional Health Unit. Marcn 6 andi 8, Interna- tional Year of the Child, With' Bernîce Kaiser, of the Whitby- Public Library Children's Departmnent. March 13 and 15, Spring Fashions wjth Bey Watts of Fashions 126. CANADA COLUMN By John Fisher of the Council for Canadian Unlty Conseil pour lunité canadienne Each spring the anti sealI Vikings. L'Anse aux Mead- hunt, protesters converge ows is the soene of the old- on St. Anthony-at the top of est European settiement. in Newfoundland's long pen- North America. insula. They corne to try Archaeologists have and stop the sealers from peeled back the'Newfound- clubbing baby seals. Even land earth to reveal foun- Bridgette Bardot was in the dations of seven buildings, act a few years ago. Argu- one of them a large meeting ments are waged, tension place. They are'believed to rises hetween the seal have been used by, Vikings hunters and the protesters. at least- a thousand years It'is a tempestuous scene. ago. My advice to those who Some household effects can 't stand the heat in St. have been unearthed which Anthony is to find a con- leada experts 'to believe. trast along the. coast a few that the Vikings had their miles, to the most peaoeful families with them. Could settiement ini North Amer- this be the Vinland that Lief ica -. L'Aniseaux Meadows. Eriksson visited? It has been quiet exoept for John ËFsher, Executive the wind and wave for Vice presideut cf the hundreds of years but, onoe Council for Canadian Unlty upon a time it heard the was Canada's Centennial shouts and laughter of the Commissioner. Canadians continue as heavv savers Canadians continue tc save in record amounts. The Canadian Bankers' Association (CBA) reports that as of mid-1978 there were 24 million personal savings account s at the char- tered banks holding $47.34 billion, compared to 23.3 million accounts and $43.23 billion a year earlier. The average account held $1,972 against $1l.854 a year earlier and $869 in 1968. Almost 67 per cent of the accounts were for less than $1 ,000, and more than 37 per cent for less' than $100. The CBA says these fi- gures point bo the impor- tance of the individual as a source of funids for the eco- nomy and the broad-based public acceptance of the chartered banks as the coun- try's principal savings insti- tutions. These statistics are indlu- ded i the CBA's just-issued Factbook, which also reports on a wide, range of other banking activity. for instance: -The banksmi 1977 had I1973 74 75 7677 78 The average personal savings deposit at the Cana- dian chartered banks now is $1,972, up more than 61 per cent from $ 1,207 in 1973. net after-tax -earnings of less than 50 cents for every $100 of assets employed. - Although' consumer credit is increasing, the total as a percentage of personal disposable income is just a- bout the samne as it was i 1969. - Canadians are second only to Americans as prolu- fic cheque writers, averaging 60 a year ecd. - The banks now have about 7,400 branches or an average of one for about every 3,200 Canadians. -Payment of interest on deposits and debentures is the largest single expense item for the banks, about $6.9 billion in 1977. - Canadian banks are increasing their international business and now have a- bout a third of their assets in foreign currencies, up from about 21 per cent in 1968. Foreign currency as- sets now exceed $54 billion. The CBA says Factbook is intended as a compact source of general and statis- tical information., including figures on a provincial basis, for students, teachers, 1- braries and others. Copies are available free in reason- able quantities i English or French froni the CBA's of- fices in Toronto or Montreal. Pre-Columbian Indians be- Iieved that earthquakes were caused by the creator shaking the earth to see if his handi- work was stili around. The gind'ans would shout "Hors 1 arn," to reassure him. Whitby Commu nity Bigo. e Jaycee e Kiwanis e Kinsmen $50 Optimists 2m JACKPOTS EVERY MONIDAY NIGHT' Monday, Mord, 5 Lic. No.. 235481 FIRST JACKPOT AT 5&-NUMBERS SECOND JACKPOT AT *50'NUMBERS . :Last week's winner: Ms. . anveaux 7 *5 p.m. No children under 16 adnifted., NO ADMISSION CHARGE! HEYDIENSHORE PAVILlONi (Corner WaterSt. & Dunlop Dr., Whitbv) -Coniig Eets $200