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v name ovm disease so ruthless its threatening the lives of 14 million canadians right now orieintwerity of us will develop diabetes it can lead to blindness kidney failure amputations or worse we could use your help diabetes your gift goes a long way canadian diabetes association association canadiehne du dlabete this message brought to you as a community service of the economlstfiribune to money agritn eli g on cept s atiernaiive who we aire money concepts is a canadian financial planning organization established in 1985 toith over loo independently oivned franchises throughout the country since 1992 signy lawson and carol clements have coowned the stouffville money concepts office what we do for you we believe it takes three components to successfully manage your financial life time knowledge andor desire many people lack one or more of these factors thats where we come in we listen to your needs and concerns we help you to define your financial dreams making them goals when we have a complete understanding of your financial circumstances we develop a detailed financial plan we will call upon other professional advisors such as tax accountants and lawyers when necessary we consider tax estate and insurance needs investment strategies education funding and retirement income projections v our investment philosophy is essentially conservative in nature we do however consider your individual risk profile when evaluating your investment portfolio when reviewing your current investment portfolio we explain the merits of specific investments and we consider your circumstances and comfort level should changes be needed we carefully explain the reasons and suggest sound alternatives we examine all of your existing insurance policies and ensure you have a clear summary of each policy when we discover an insurance need oife disability critical illness andor long term care we look for the best policy with a stable insurance company to suit your needs most important of all we become your coach to ensure the action plan is implemented and our strategies are monitored and kept current who we work best with our clients are people who find great value in establishing a longterm relationship of trust with an advisor who takes a lead role in their financial planning process and who will educate and collaborate in the decision making process want us to help manage all of their financial affairs have family investments valued at 50000 or more or will have soon do not want to manage individual stocks but choose to rely on professional money managers such as mutual funds or wealth management accounts we do not trade stocks want to have peace of mind regarding their personal finances hotv we are paid we ensure that any fees paid by clients are minimized while fairly compensating us for the value we provide an initial meeting to determine whether our services will benefit you is always complimentary when we decide to work together we mutually agree upon payment in one or a combination of forms being either commissions or fee for service our commitment to you confidentiality exceptional service with small town warmth regular reporting and reviews current knowledge of issues that impact your personal finances for you through various forms of communication from us appointments phone calls emails newsletters seminars articles books etc for us through ongoing education training and industry meetings a friendly and helpful approach by our team a relationship of trust and confidence we view this as sacred and constantly remind ourselves of our responsibility to you wed be pleased to help you tvith your rrsjp or any other investment needs please give us a call at 6424540 iftve could be of assistance downtoeiirtli financial management voinicriiis yvur comfort back row paul bailey sandy parsons maiyanne mcmanus deborah macdonald pat irwin stephanie curtis doug hinton front row signy lawson carol clements money concepts money concepts group capitol corp and national financial insurance agency 6165 main st stouffville southeast comer of main albert sts just west of the train station 6424540 fax 6424537 email stouffvillemoneycptscom staff photosjgerd w1tteveen students enjoy a swing in the playground atvballantrae public school where officials are lobbying for riewlquip- ment growing area needs a park councillor says from page 1 school principal kathy kobelski and viceprincipal mary janetorrie are suggesting the school and the town form a part nership and supply playground equipment to the school the shared equipment could be used by students during school hours and by the general public after school and on weekends in 1999 after a safety inspection of playground equip ment at ballantrae public school it was found that several pieces were unsafe and had to be removed torrie said theres no question the future park will be needed stressed carroll ballantrae is going to have the largest growth area in the region however some residents expressed concern that the park will become a hang out for troubled teens that skateboarding will bring problems that the park will be difficult to police and that night lighting will annoy area residents saturday crash closes hwy 48 byjoanransberry staff writer aheadon collision saturday in vvwtchurchstouftville sent four teenagers and three adults to hospital and closed hwy 48 from aurora road to vandorf sideroad poor weather conditions are linked to the cause of the crash the accident occurred just after 7 pm when a vehicle trav eling north on hwy 48 lost control crossed the centre line and struck a southbound vehicle head on reported opp const jo- anne woodcock both drivers and five teen passengers were transported by ambulance to markham stouffville hospital the boys are all 15 years old the injuries ranged from minor to serious one passenger was later transported to sunnybrook health science centre for treatment of multiple fractures woodcock said the accident forced the closure of a section of hwy 48 for several hours said woodcock poor weather conditions contributed to the cause of the collision she said no charges have been laid in connection with the crash and police are continuing their investigation- a message from the war amps safety is no accident so playsafe m for more information call m 18002503030 this message brought to youas a community service of the economisttribune