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p 6 weekender may 13 13s st letters water system issue at musselman lake should take top priority dear editor i recently took the opportunity to interlock wavy walks dippy drive repairs fl i by w sentry 9052943791 go to the ballantrae-mus- selman lake local improvement water sys tem meeting held at bal- lantrae community cen tre i can say without a w driveway sealing izkk by 3 blizzard government certified environmentally friendly products for a free estimate for your paved driveway call 905 4706616 tt it is possible tt larry saunders community banking manager markham unionviile stouffvile each time the bank of canada begins to shift interest rates a shudder goes through us all it signals another period of guessing weighing borrowing needs against the prospect of getting caught in a credit squeeze nowhere is this more frustrating than with a mortgage decision as a branch manager id like to give you a formula that would help you but i know from experience that theres no magic to it deciding on the term of your mortgage in a volatile interest rate period is in the end a matter of corrimon sense the term to choose the first thing to consider when choosing a term during a volatile rate period is what is most important to you some people prefer the security of a longer term with both a fixed interest and payment peace of mind is more important to them than the possible interest savings from a shorter term with the potential of renewing at a lower interest rate when rates look as if theyre on the way up borrowers tend to go longer term to lock in the lower rate but if rates look stable or are expected to come down its natural to lean toward shorter term and the chance of a better rate later your mortgage riding the rates on essentially you could consider whether you can comfortably carry the payment on a higher rate mortgage if rates are higher when its time to renew the sixmonth term a shortterm rate can be attractive for the borrower who wants time to watch the rates before locking in and who is fairly flexible as to payment size it is a very useful option some institutions may offer incentive rates for this short term again be sure you can afford the payment increase if the discounted rate is not available at renewal a general rule probably the best way to deal with volatile interest rates is this if you can carry a monthly payment its advisable to consider locking in for at least three years dont forget with yearly increases in salary your disposable income will likely increase while your mortgage payments remain stable that could even give you the opportunity to save towards making lumpsum payments against principal many lenders will allow this without penalty it can eventually reduce your debt load considerably for more information contact any york region bank of montreal doubt there are a lot of concerned local residents who would like to see an end to this project one way or another what i dont understand is why would this community of whitchurchstouffville allow a prob lem of this magnitude to go on since first identified in 1977 i feel as a citizen of this communi ty we should be just as responsible to help our neighbors in seeing this project through this is a serious health problem that the rest of this community should be aware of and concerned about for our fellow citizens i also feel this project should be resolved above any of our current concerns considering this is a seri ous reflection on our community and a trying situation on our friends and neighbors sue sherban stouffville where were flags dear editor i just want to say how proud i was to be a resident of stouffville when i saw the parade on saturday itwas a super job done by the legion and the dutch people i thoroughly enjoyed it even thoughjt- brought back a lot of sad memories it is too bad the businesses in town couldnt have done a little more decorating to help make it a little more colorful jean dart stouffville ps a big thank you to everyone involved in this parade meet the neighbours ttetood family i0ve jlfovindobkhome live your country dream in uxbridge oversized lots that back onto a century forest where songbirds deer are your neighbours live in a familyoriented riverside country town with schools churches friendly local shops and an oldfashioned sense of community its real right now at forest creek in uxbridge see for yourself today preview 8 bungalow 2 storey plans up to 2843 sqft familysized homes from 218900 to 279900 including lower level walkouts to oversized forest lots artists concept of the hudson 279900 on walkout forest lot 1 forest creek call9058529118 hours mon to thurs 1 pm to 7 pm sat sun holidays 12 noon to 6 pm visit forest creek today take 47 to brock st w in uxbridge turn left at brock follow brock to forest creek kevin doble frees subject lo clunje witboul notice winiclt rcpeuki aiiociatea loc n uxbridge model home now open