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Page 10. Whltby Free Press, Wednesdiay, September 28, 1994 Andrew. Canad,,,,a.,earnfs quality certification luncheon at-Andrew Canada Sept. 14. Ron Backwell, Andrew Canada's quality manager, stated that "the ISO process. involves everyne in, the organization, so although the mana gement teaxn accepted the award, -it was on behaîf of aIl of the hard. work of everyemployee,." bu Coninuing education courses will start soon. 0f ail the categories of learning, financial management has one of the lowest enrolment figures. That's peculiar, because if a person did well in financial, mangement, they-would have a lot more money to spend.on personal interest and hobby courses. I imagine there are many reasons why people don't learn, a littie more about personal fiance. For one thing, most people find the thought of stud 1n budgeting and finances about as exciting as a trip te the delintiet. s, the rewards are generally flot immediate, they may take six months or* more to begin'to see the real benefits. Deferred gratification is not a ,high priority in Our society today. I don't know of any official studies on procrastination, but if there were, rm sure Canadians, would finishý right* up with the best ofthe1m. In an effort te help you out financially, I amn attempting to condense a basic financial planning course into one column. What follows is a list of the most common financial mistakes people make. Cut out this Iist and hang it up somewhere that you will see it everyday. Forget about trying to ýbecome a "rocket scientist' in the finance department. Simplify your life (at least in the area of finances) and concentrate on more important thing- such as family and fiends. I believe you will find life much more enjoyable ... and you'l1likely end up with.more money. 10 MOST COMMON MISTAKES ,IN - FINANCIAL PLANNING 1. Buy too much on credit. 2. Borrow from the wrong financial institutions and pay more.interest than they need to. 3. Don't pay off debts as soon as possible. 4. Rent housing instead of buying it. 5. Fail to set aside money for important expenses such as insurance and vacations. 6. Don't budget at ail. 7. Buy on impulse instead of shopping for the best deal. 8. Try to make'quick investment dollars instead of slower, surer returns. 9. Invest money they can't really afford. 10. Don't save because 'The future will take care of itself.7 Derek Dutka 'if an indépendent financial pla.nner witb Financial Concep tGroup ini Osha wa. Getting the message The Durham Management Centre will offer a course in the +*100% of paper is recycled # Certif icate of destruction + Volume discounts available year-end, clean-outs CAILNOff (905) 427-3605 (Derrick) WASTE SYSTEMS CoreID -RAW graphies program at Durham College's Whitby Skills Training Centre starting Oct. 3. The program is the flirst step in the development of multime- dia applications, ensuring that communications messages are delivered with clarity, precision and high energy. Prerequisites for the course are PC and Windows knowledge. Cost of the course is $295. For more information call 721- 3332. [[.....q.E.Ivi33,J Dundas St. E. Hvwy #2 Wanen Rd. Burns St. E. Irndustrial Dr. Consumers Dr. Ony 29 jLimit 2 dozen per customer 750 s s Hokis te sh SCRATCH & SNIFF No Odour? That'swhatyou get with AIRx AIRx products contain Airicide, 'a unique physically ahters odorous molecules, so that register unpleasant fragrances. odour eradicators. component which your, nose doesn't AIRx products were specifically designed for commercial use, where continuous foui odours are a real problemn - chronic care wards in hospitals, nursing home applications, the back of garbage trucks, kennels, etc. AIRx products are NOW AVAILABLE FOR HOME USE. For musty basements, garbage rooms or drains that smell,$ ýy AIRx 60 Foui Odour Eliminator. To eliminate pet odours in carpeting, add AIRx 60 to your solution when cleaning the carpet. For continuous odours from an incontinent shut-in, pets or cooking, try AIRx 19 super strength microceil. Whatever your odour problem, we have the solution. Come down to the Swish Clean-It Centre and let our trained friendly staff help you with your odour control problem. ~~ ExtendedV~ ~Saturday Hours, 9~arnto 5prn. CLEAN-IT CENTREM 500 Hopkins Street, Whitby 666-1224 SaeeINSLTOctber 7th [BRIGADIER 560XT AIL SEASON BY GENERAL TfIJre .. r Youïr Financial H'ealth Derek DÙùtka, Refresher in Finances 101 155xORl3$39 175xORl3$53 I.::Rl $6 s8x5l $58. Have You HOO:SIERF Yet? G ot You r -M aà-F-c- = mt-zým.c = «. WE ARY ICELINU. O AL -B.. *,ODIg 185x70Rl4 $62. l95x7ORl4 $66. i l75x7ORl3 $55. 205x7ORl4 $69. 22Sx7ORl5 $77. 235x75Rl5 $77.