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20-The Canadin Champion, Tueaday, February 17, 2004 MEET THE DFG TEAM i COMPREHENSIVE FINANCIAL AND ESTATE PLANNING FOR YOU AND VOUR FAMILY THROUGH RRPSEASON AND BEVONDI melena uonaldson, uf-P, ULU, Uflt-U Thomas Tamblyn, BSC, CFP Nelda CriIly, Karen Manuel, Diane Kilkenny the DONALDSON- FI1N AN CI1AL GCROU P AOVISING CLIENTS SINCE 1978 Caîl for your Compllmentary -consultation 905-875-3366 Mutual Funds e RRSP's e RRIF's e RESP's e Lite, Term & Disability Insurance e Critical Illness Insurance & Long Term Care Insurance MUTIJAL FUNDS SPONSORED BY FUNDTRADE FINANCIAL CORP. Make a mortgage broker part of your financial plan For most Canadians, buying a home is the largest financial decision they will make in their lifetime. Yet, consumers across the coun- try are more likely to painstakingly review dozens of i nvestment possi bil1ities for thei r port- folios than to scrutinize their mortgage choices. The mortgage world - like the investment world - can sometimes be confusing. There is a vast array of choices - open, closed, fixed, floating, long or short amortization, prepayment options, portability ... and of course, the rate itself. Making the right mortgage decision can have a huge financial impact over the long term. Many Canadians have an investment advisor to help them sort through their choices. Now, Canadians are also beginning to turn to mort- gage brokers to help them make better mort- Continued on page 22 Have you thought about taking advantage of the equitye in your home to consolidate debt AND help you: pay off your mortgage quicker?; The time has neyer been better to consider refinancing your mortgage at today's historically Iow rates for home improvements or consolidate outstanding debt. Consider this: Mortgage (6.5% interest rate) $200,000.00 $ 1,3339.65 Car loan 18,000.00 600.00 Line of credit 5,500.00 165.00 Visa 5,500.00 165.00 Furniture Store 5,000.00 150.00 Penalty to break mortgage 3,000.00 0.00 Total balance e paymfents l$237,OOO.OO $ 2,419.65 1 EW OTAE 11AAC AMN Mortgage (4.60% 5 Year Rate)I $237,000.00 $ 1,324.94 Car loan Paid off 0.00 thi to ou mrta Line of Credit Paid off 0.00 pyet ermwgg Visa Paid off 0.00 wl epi f er Furniture Store Paid off 0.00 ealei1hts9 iTotal balance & payments ,$237,OOO.OO I$ 1,324.943 *« rtanshdid My name is Tom Hickey. 1 am a. mortgage consultant living and working in your community. 1 would be proud to assist you with your mortgage financing needs. My goal is to provide you with the most confidential, courteous and professional mortgage service possible. Please cati or e-mail me any questions. 905-877-2426 ext.3 e thlckey@moneyconnect.ca monsyconneet home mortg.qu www.moneyconnect.ca *The legal staff: The example above is for illustration purposes only. Individual circumstances vary, and payrnrnt savings may increase or decrease depending on a varieri' of factors. Legal, appeaisal and i asurance fees may apply. Interest rates are subject to change. E&OE.