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tfeinpjw congratulations duanezielonkobasc hie zielonkotomen families are proud of you for achieving your bachelor of applied science degree in mechanical engineering from university of waterloo congratulations and may god bless you as you embark on your 40 year work term congratulations stefanie schader on your graduation from university of western ontario with honours bachelor of science in 1 v pffl physiologypsychology recipient of the gold medal in physiologypsychology deans honour list graduated with distinction we are so proud of you and wish you continued success love mommy daddy and susan congratulations andreaross happy high school days keep working hard love mom dad and steph markville physiotherapy rehabilitation clinic sports work walkin extended injury hours back neck drug plan wcb pain auto insurance caraccident covered 4712892 gf 8525 mccowan rd ne corner of hwy 7 focus on business i markvill i mn- fin t hwy 17 1 nipmotuch detail ii gia cirgutsptdahsb 185 bullock drive 15 markham ont l3p 7r4 tel 905 4724707 fax9054724348 neece electrolysis esthetics 4591 hwy 7e suite 110 cat kennedy 9468803 angela martlno certified ejcctrologtst a member of the cqpje i rid gy the eyes have been proclaimed throughout the ages as the window of the soul we now acknowledge them as the mirror of the body an iris analysis b an accurate painless and effective means to a healthier youi free symptomology analysis with this adlll joannle wardtoworth ci mh eyes on health 5136822 rates mortgage rates should crack below the 8 5year barrier in the near future if this will have any significant effect on the housing market is anyones guess however this reduction in rates does even further increase the importance of consolidating all or as many as possible of your outstanding debts changes mortgage rates vs term are slowly reverting back to the formulas used 8 to 10 years ago the difference between 1year and 5- year rates is now almost nonexistent whereas recently as a year ago shortterm mortgages were as much as 2 lower than longterm rates the old pattern with short- term was always the higher rate scale it appears we are heading back to the same type of rate structure why the mortgage factory in todays marketplace most applications could be structured or put together in a vast number of ways our main priorities on a file are 1 to locate the funds required at the best available rates and terms possible and 2 to maximize your cash flow so that at the end of the month you have as much money available as possible in recent months the average monthly savings have been in the range of 700 a month net savings with some clients in excess of 1200 a month i need more you got it at the mortgage factory our mortgage rates available are as much as a 12 lower than regular market rates and our personal loan rates are some of the best around important most people do not realize that generally the first thing an institution does on an application is a credit bureau inquiry this might not seem like any big deal but when the lender does a bureau it shows up as a permanent part of your credit bureau file even that does not sound like any big deal however if 2 or 3 lenders turn down your application which could be as simple as not structuring the file properly this will have a major impact on a lender approv ing your request most lenders have gone to some sort of scoring system for loans and mort gages and numerous inquiries showing on the credit bureau over the past year can have a devastating effect what types of financing are available every possible type of mortgages are available with terms from 6 months to a full 25 year fixed rate mortgage first second and even third mortgages are available both open and closed terms cottage financing raw land both secured and unsecured lines of credit are readily avaibble funds are there for home renovations additions tuitions fees and always for our world famous consolidation loans in other words for any worthwhile purpose till next time glenn a campbell mortgage from 8125 5 years 1st mtges to 95 2nd 3rd mtges renuil properties tt collages refinancing debt consolidation ruril properties sell employed credit problems low income with equity prime deals below market rates fast professional service since 1975 friendly and helpful staff mortgage factory include from left hylton mulllngs lesley singesmpbblu nd paul ci business startup including business plans financialeconomic analyses market research operational review organizational effectiveness strategicoperational planning minis holdings inc hl certified management consultants 12 maple lane unionvillc ont l3r 1r2 tel 9402877 fax 9400996 contact mounir sahyoun mbacmc fresh picked farm 9056402168 pick weekdays 7 am 8 pm weekends 7 am 6 pm children welcome 10th line 1 km north of stouffvillo just north of sf out fville flea market nowwckinc calttor daily crop update i r j