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pr SCUGOG ISLAND - Ideal hobby farm. 75 acres with stream, view of lake. 3 bedroom brick bungalow, steel barn and large work shop. Asking $599,000. Call: HARVEY MOORE* 655-3598 / 686-3337 REMIX Canaan Land Realty Inc. An Independent Member Broker Brian & Jackie Wright Broker/Owner Sales Representative 55 Baldwin Street, Box 491 Brooklin, Ontario LOB 1C0O Tor: (416) 427-1263 Res: (416) 655-8930 [B (416) 655-8444 Fax: (416) 655-4794 #, 24 WRIGHTS BELIEVE IT OR NOT! $289,000.00 Only 10 minutes N of Oshawa. 2180 sq. ft. living space, brick ranch bungalow, 4 picturesque acres, pond, 500 sq. ft. family room, hardwood floors, built-in oven, counter top stove, w/o to deck, 5 pc. ensuite with whirlpool and sauna. If you are looking for REAL VALUE in todays market, call Brian or Jackie Wright 655-8444. : ry p-- % i a; Ce Pe. 3 From Page 4 there's not much we can do but explain credit laws and refer the really serious cases to credit counselling for help. Sc, be sure you can afford to buy." It's also vital to com- parison shop and do the necessary math to find the best deal. Don't just look at price stickers if a loan is be- ing considered, Gurevsky warns. Add up all financing charges. Take into account any bonuses offered for paying in cash. Compare real prices, not apparent ones, she says. For many people, paying a slightly higher price in cash up front may still be cheaper than buying a less-e ive pro- duct with a low-interest loan. "Sure, if you took the cash and invested it at a higher rate than the loan was costing, you'd be ahead PRIVATE SALE 3 Bedroom Raised Bungalow on Scugog Island. Completely refinished. New kitchen, roof, bathroom, plumbing, electrical, etc. Carpeting throughout. 80 x 200 ft. lot with lake access. Priced to sell at $1+68:966-66. $163,900.00 CALL FOR APPOINTMENT 2985-2673 PORT PERRY 647 SCUGOG ST. 985-7371 1-800-668-6262 Ad « tics I GERRY MEHARGLTD. Member Broker of the game, assuming you also considered any tax im- plications," Gurevsky says. '""But you have to ask yourself if you've really that disciplined or are you going to spend the money on something else, then come up short when payments are due?" The ministry represen- tative also warns against impulse buying sparked by cheap payment plans. Con- sumers shouldn't jump into an unintended purchase just to grab a good deal, she says. Once a decision is made to buy, be sure to read the contract carefully. When do payments start and end? All contracts must list the total cost of borrowing. Add that to the actual price of the merchandise, along with tax and any delivery charges or other fees. That will give the total actual cost of the item. Unless otherwise stated in writing, most contracts cannot be cancelled once signed. "If they change their minds about an item bought on a payment plan, some people think they can_-just return JANET KEEN, Mgr. UXBRIDGE 852-6106 Consumers beware of deals them and stop paying, Gurevsky says. 'They're often shocked to find bill collectors calling. Stores may also sue for their money. Your credit rating can be ruined and you may have trouble for years get- ting even a high-interest loan. Don't sign unless you're sure." The ministry has produc- ed a brochure called Credit and You, providing more details about borrowing money. For copies, contact MCCR's Consumer Infor- mation Centre at 555 Yonge St., Toronto, Ontario M7A 2H6 -- (416) 326-8555 or (toll free) 1-800-268-1142. Ontario residents with an (807) area code may call the (416) line collect. The TDD line for the hearing impaired is (416) 326-8566. The Centre can also provide general infor- mation and advice on many other issues of interest to consumers. Free help for people in serious financial trouble is available through councelling offices located throughout Ontario. Numbers are listed in the phone book under Credit Counselling. BRIAN MEHARG, Mgr. STOUFFVILLE 640-3131 SANDY HIGGS, Mgr. 1-800-265-2888 STARTER HOME - $129,900. Solid 2 bedroom, large eat-in kit., full basement with fam. rm_, laund. rm. and workshop in quiet Oakwood. Call Lloyd Slute, bus. 985-7371 or res. 655-3989. VENDOR SAYS SELL! SELL! SELL! 4 bdrm., large semi *close to all amenities "walkout from living area *bright eat-in kitchen *covered deck *Call Ramona Reesor 985-7371, bus. or 985-3383, res. OPPORTUNITY KNOCKS! 4 bedroom home, fireplace, large lot, near the park, overlooks lake. Only $159,900. Don't wait. Call Mary Wilson bus. 985-7371 or res. 985-2235. GREENBANK -- NEW RAISED BUNG. 3 bdrm - main floor laundry - large eat-in kit. - large 95' x 207' lot - all brick - maint. free - Call Catherine Ayotte 985-7371, bus. or 985-8024, res. HOME SWEET HOME A perfect family home - traditional floor plan - eat-in kit. w/gleaming pine floors - beautiful large family room - heated workshop in garage. Anita Whitworth, off. 985-7371, res. 985-4193. JUST LISTED!! .This lovely 3 bdrm. bungalow offering * 66 x 136 lot *Finished basement * Inground pool *Great financing at 10.25 percent for 2 years *Plus much more. JUDI HEWITT 985-7371, bus. or 985-4015, res. TWO FAMILIES IN ONE! 3 plus bdrm. backsplit - 2 baths - 2 kit- chens - preferred area of Port Perry - backs onto Lake - walking distance to all amenities - call Catherine Ayotte 985-7371, bus. or 985-8024, res. WATERFRONT -- HOLIDAY HEIGHTS Executive 3 plus 1 bdrm waterfront home with two fireplaces, rec. room, inground pool and fully finished basement. A pleasure to show. Call Ramona Reesor, 985-7371, bus. or 985-3383, res. Thinking of Buying or Selling ... For a Free Evaluation, contact our office. Lloyd Slute 655-3989 Mary Wilson Carolyn Wilbur Catherine Ayotte Ramona Reesor Anita Whitworth 985-4867 985-4193 THIS VICTORIAN CHARMER OFFERS - *3 large bdrms. *interesting dining room *fireplace in living rm. *central air *large lot in very unique subdivision. JUDI HEWITT, 985-7371 or 985-4015. SHARE THE FANTASY! 3 enchanted acres will capture your sense of beauty! A unique contemporary home designed esp. for this property. You must see it! Anita Whitworth bus. 985-7371 or res. 985-4193. Thinking of Buying or Selling ... For a Free Evaluation, contact our office. Donna Martin Judi Hewitt John Vernon Sandy Higgs, Manager ee m-- AAA ap ------