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if YOU have any questions thNM these professionals cal answer, please write to: "Ask The Professionals" c/o The Ca'nadian Champion, 191 Main Street E. Milton, Ontario LIT 4N9 . -si V- &. &,?là Ami SA BS UMSWCSW OlD o D f)i5emsg&PSîChotiserspy d rsasCoopeS, Chilien & Famhn 11084, Stir Lieur Mikns, Ontario <SAR 2. Racseoirss have M Tnner (905)85440801 Q: HELP! What sh.Id t look for when choosing à therapîst? A: Noi~ mattler what ytfiroblem, viru want smo that you can tnria~ and who reets pour needs. A first cincern IN the educattion and the crgentials ri the therapist Z intyo keeeîc tha ansone can catI them- selsves a coieenlor, therapist or sociîal worker, even with no training or education' A profosuional thera- pust shoald hav e the approprlate universits eîiIciw and expertence and have further training and Illperi ence in dealing wîîth your parlicuisr ci)nctrn Fir atcciuntaliiv look for muererp in an accrded goe.rnng IID Location mu> also he a conceni. Do venu nsînd bil seen entering a therapist's office or going ti) somneîncs home' Fees and length eîfrseach sessîion must alsco eî(nster(ed l a oi Tane hîed' fiahe r, aîi 1iatr I '1 ee , in PsrhlggSoil oo.aîdti al .sdmiii.îrin A Ct urani oe,, o <f t ollg f trfaisiSocial ttVarkera, uit/i maig ytirs of profeaioaa eopentenct and 1iraîsng la .eak goit indrivitfditl, famnill. aisd xosjalen s aeas sucgir a.% sexual abiuse. alcta/,rixI,r ADn, siress nd depresasan. lier office ia liicautd ini Mfihon in a pri rageru i nttting. minuts fr.m th, diint.-î asra For aOfret consul. ltion or if gons hart arny furthe.r questions, pltasre contart Mlayne Tan, ta (,905) hs.54-0801. Féres are basten on. suty aule hil appohîitssent.i and casa lie flegitialutd an a shlinig seule escarg uMOMEY 7 WCONCIEPT FtNANCIAL PLANNING CENTRES Fotanca Planning. Retirenneni Planning - kMotoal Fund * RS P'. G IC s* R R 1 F s. Lite and Dissteîhty Insurance -Tau Siseiers j T.I/Feu (905) 870-0940 Lou Muiligan 420 maln Strset East. MIRO.n, Ontario LOTit 1Po Q : malte New. Years Ress'lutiîns, but hy, March, Fse lost the incentis e What should t do' A: Set simple plans in motion that help yoa achiese ycîur rtsaetytiîlnsi (We hîlpe thal ont gual is tu improve conto liover yîiur financýj 1 SET A GOAL Resolutioae dîrected ut improverriett If yoga have a goal, IF*s visiter tii makie al plan Io stay on1 track. 2 CET PROFESSIONAL ADVICE- Des'elop a team approach. Chossng the night bolns tc achiese your g oals and the motivation to stuy on, truck taites pro- fessional help Fînd a financial planner you want 10 worli with (ideally ut Money Concepts) and use their shîtîn to help achieve yourgoais. 3. CREATE A SUCCESS HABIT: When you put your plan in motion and moite il automnatic, its eus. et to ackueve yotct dreams, Witki a tegulur monthly sovestmgent programn, yuu cao taLte stdeps toward your financial goals and easily as you pay your cuble TV bill! 4. REWARD YOURSELF. Redisce yoshr taxes. If ytiu don't have an RRSP, begin tegulan RIOSP contribu tions n's easy la do. Your save for yosur future and - 0RI5TE YOU U LF: toItol àIon g ime tc0 crie- aie the habits you Want go change. If you make a miaUe, forg ve yurself and get back ai it. DONTY GIVE UPI.K E? TYfi.J(Q Malte your personail succesai througMoney Con1 ts part of your 1996 New Yer ba lto oau c nyCepts today ai 876-0940. -J. Scott Early Funeral jiome Toi (905) 878-2609 ___ * 21 James Street, Mîtton A: Th.s tua teori - tosi decsi- aa i. e reri, fici lhtiserai ciu,, a, cirsr îe-aiîsal t d, 1 rg the seý- moo pifln darti: -d ,tano directi fi. hi.~ ~ ~ ~~, plu,, ai dnao n ..art re incairiaiî cs ariin Thie sriaaiaec an e WIi lis atrnv lonal hîoite o (5Ar,,, Ne toisent homo- ..Il rfses R, ii5e Iis se-ce ,ertire conso.e Theii-n-aii,estel l hlirrie is hry wi.h tu poriiaN, front a ntoierai home an th houremr cao he gar.,ncrs (hi, -rice wi1 ie mer cmnet îh tho som, cligniii.,îaroier sers t- are Tee, mai fond hat n hi tiserai direct., aI hianI tietdicaieou tht silo oeqiîoreit ohe camplehng ire psy iîlogy porioni oi tire t ancrai Scrsce titocason cour-e thati; n et lir nuide eftec i., liretiras e hane espoiso i ,i l seig th, cheosIsg ioi dîrs doposenon Méo, tiserai dirci onitleiuei educair tl te iv thi arc. oif positoisera f a soune hiurai h.m.s tiail thnisu es ..th oonetis dirc idisposeieiir .a hi a g,.ii biieccý toc one iniied i an, Oei or Iher dopeneg mr the uer, onnianes Il is t nsosee iiyo thtý Iooeai dcîsee ti heir bis tailfies mare healthy choue A bualti chiue mas an speidisg tween S1,04200tl haie a bncI linsof isi îtaon sur tamil iremhersantia toiet- ,I imenrai nc etosr o. th., c sy. roo ay ih-s i haveth tirernilaticu or iineer u os preostit ing mreoieni th furmiserai service iedusiey Ab aayu ai n-k ii seoridag preactiy or lseaig aicuofa basin» titico .ge»da ihe- edere.o buitS- goalmre. duonst andi .tie, a lnrabut thi, i, a dedIcuieti psetessi a fatier o rieog hintie ahoot peuple si ies muis a dtii iras aicourroil We heiise ihere, i airestiseeeough m-le sru,,,,ueg lonerai se-,ic ami -i hop, th. MiE hepet yîou Iiondrit al a simple aligtiii ganerai sser ,caose art eduaicti puic tu a more pieparei -pubic Any ,ther qaesico pertincrg ta lunertsrsC pleas titi frrro ic ati tise I eccl tuary forerai Ho-rr oi .7.- h Qobiný oi'.CampbelIville TH4E SHOPPE FOR HAlA il SKIN CAPE 7Ô Main Street I (905)85".376 IN THE V 0F CAMPBELLVILLE Q:When lit the right lime 10r colour yqur hair? A: ANYFIME, tFor tht colour shy cliente a no II deposit only colour is the perfect step between no colour and permanent colour for men and women. Il can enhance, cover or blend an r- cent of grey or wvhite hatr. OR Permanent colours that match tht client's nl uarai colours but covers ail tht grey hair. OR sConsider HIGHLIGHTING specific areas especially around the face To tone ail osier (as ont becomes greyer over limne) select ILOW- LIcHTING areas around the face 10 dimmnish the amount o! grey hair visible. OR e HH FASION colourlng such as bleached and 100cr or toners for a more dramatic loot. OR eWlth proper shampooe and cndl~nf which help maintain, colour, eeiek.>olture and nutrient, Yom cmu have "of fma th has. coleturs. For more informlistion, please cIl.. Robin 854-0376 2entrai uctroiysis Clinic Penfessonal Eroov t0h Vreable Steioi Judïlth E. Rnn. ccii ma=~ Oséarss garn Q ht. Eeiotss Z)7-l5Judithi E. Inn A: It.i, thPemaent remeisa (i soperflouoer unisanteti ha;,ýuýow, ung vM mid etectrei(a carr irtite ut h a-e t tire baîr llcle Q Wiro lis il ter? A: t hîs serviet IN as aiabiîlesiit tr îî tir axesn ct li Wu, both mon and iviein. Alihioug the prisese bas boert pertIirmed lier eîs- glii syas esih teî ler bhey b, traintd prolessiîinats there are certain eriteria ile mous coek teir heliire acqoireng trratreoni 1he pranent remeesal if anwaotest huer growîir i sors oîîî te undt tasiinaiing field entaetîisg seatti baîlgrîenit anai prat ticaI expertîs ta t-timeiat the haîr grecs. h prcîhiom, Swheîh pseple endure. UdLstrî ng phl -ial, tIlr -eit, snt"el tue faial hýaîr ,n beîth mer andteeso letna s i lempeerars seethîds of hraîr ni-musaI soj .s teang ssastng, shas'îng, etc. otten leaits tee ht&ter growth unit Irritatieon tiair griîsth sN o sîîmethîog lirai nesit ihe enitarei, signe lectreîtîgy perliermeit ýstey andt its Qtlieey wiilI eltsetatethirareas ihat mas ho hiethersoeîm y:What shaaîd t boLk tor soir, choasing an A : Serîte dssîî.sýýahe ntet einl - dîscardeit ailer -ah Net.; putchage your so needte. Public ireatth anit saftis a main seincen. Eleetri/lvsis pereirse- appîci. pnatelY sN a ver sale andjlesetive nethîd oif permanent haut remîeval. This sN a istat care se ves aod Ilsete, verîtiable sten lezatcîn proceduter maist hos prasticed, Priffesstosul Electrology avaitable ut Central Electrolysis Chi CLAYTON HACKENBRbOK Associate Broker Servlng Milton Since 1980. RE/MAX Mitowms Beal Corp. cwit HW*êmk 878-7777 When dealing wîth lst lime buyers there are two questions which conne to mindi H:Iow big a mortgage tri I quaiify for? A: To qualify for a rnortgaje tht batik vigil use a gross debt service ratio (GDRS) which is the relationshi p btween tht mortgage plus tan payments !PIT) verses tht gross inconne of the purchasers. This ratio ls expressed as a Percent- agt usually 32%.~ In simple terms your total PIT payments cannoI exceed 32% o! your combînedi income. Example: $50,000.00 grons income sup- ports total mortgage paymentr (PIT) ut 32%/ o! 1~6,000.00/ year or $1333.00 prer month approx. Assuming taxes are $150.00/mo. the remnainiog $1183.00/mo. pays a mortgage o! approxt. $15§,300-00 aI 7.75% omier 25Syrs. Q:WhaI la the dilfertence between A COnventlonal va. higs ratio mortigage? A A conventlonal nbortgage ls obtained when the purchisseT p ta a down paygment o! 25% or more. A hlmgratiot martgage la obtained initent Ille purchaser puis a clown payment of lette than 25%. This mort gage has toi b. inaured byaom parlylike CMfC at afeeof up to 1.5%ofýtoalal mortgage. Should you as fit tUe buyete have anl addilional Quesionsa, 1>eum feul free Ici consult mie,.