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B6 THE OAKVILLE BEAVER Wednesday March 31,1999 Business To reach this section call 8 4 5 -3 8 2 4 F a x :3 3 7 -5 5 6 7 Does Your Vehicle Need a Physical? 12345 Fairview St. 632-8151 4121 Moms Dr. 634-4211 CALL FOR AN APPOINTMENT! Business Opportunity! O ne of the best methods to a ttract new customers quiddy and to raise your company's profile in the com munity is to exhibit in a com m unity hom e show. N ow is the time to inquire about exhibit space in the upcoming qpring home shows: Oakville Lifestyle Burlington Lifestyle Niagara Lifestyle Home Show Home Show Home Show April 16 -18 April 23 - 25 April 15 -18 Call Sharon or Dave today at 827-4632 Jenkins Show Productions Notice of Liquor Licence Application The following establishment has applied to the Alcohol and Gaming Commission of Ontario for a liquor licence under the Liquor Licence Act: Application for a Sale Licence Griffin House (The) 216 Lakeshore Road East, Unit 3, Oakville Mr. Greek Restaurant 2501 Hampshire Gate, Unit 8C Oakville (including outdoor area) Any resident of the municipality may make written submission as to whether the issuance of the licence is in the public interest having regard to the needs and wishes of the residents. Submissions must be received no later than April 30,1999. Please include your name, address and telephone number. If a petition is submitted to the Commision, please identify the designated contact person. Note: The AGCO gives the applicant details of any objections. Submissions to be sent to: Licensing and Registration Department Alcohol and Gaming Commission of Ontario 20 Dundas St. W, 7th Floor, Toronto ON MSG 2N6 Fax: (416)326-5555 E-mail at Iicensing@agco.on.ca Ontario LEVEL I •introduction to investing •where stocks and bonds come from •picking stocks •understanding bonds •choosing mutual funds •planning fo r retirement and using RRSPs_____________ • no sales pitch • non-promotional • real-life examples • expert instructors LEVEL 2 •economic and industry analysis •analyzing a prominent Canadian firm •comparative and technical analysis •bullish and bearish stock strategies • mutual funds and alternatives • managing your portfolio You can be an intelligent investor Robert Rubino FCSI Approved Instructor SEMINAR DATES: April 8 ,1 5 , 29 - May 6, 13, 20 27 - June 3 Place: Oakville Library (Lakeshore Rd. & Navy St.) Time: 7:00 pm - 9:30 pm Price: $165.00 I T P A S S E D : Peter M isheal o f Ace Automotive on Argus Rd. goes over Ontario Drive Clean tests with program D irector David Crump Saturday. The occasion was the official opening of the facility's Drive Clean operation. Drive Clean is a program of the M inistry o f the Environment. The pro­ gram 's aim is to help reduce smog-causing pol­ lutants from vehicles by up to 22 per cent. Beginning this month, the Drive Clean test is mandatory in the GTA and Hamilton- Wentworth Region. Car owners will be notified about 90 days before their license renewal date when their car will have to be tested. Photo by Peter C. McCusker Don't discount need for disability insurance Financially you're in great shape. At least you think you are. On the surface, you are a model for others to follow. You know that when you stop work­ ing, your income will stop, so years ago, you started contributing to a RRSP on a monthly basis. Give yourself credit for that. Recently those savings were changed to a spousal RRSP plan, therefore income taxes during retirement will be reduced. An article on the escalating cost of a uni­ versity education motivated you to start a RESP savings plan that will assist with your objective to help the kids with the cost of a post-secondary education. Decisions that were made concerning the house mortgage 10 years ago proved success­ ful and so you will be debt-free very soon. The more you think about everything that has been done correctly, the happier you feel. Although you have not mentioned it to your spouse, you want to write a book for others to learn from your expertise. The theme would be based on the common sense approach of saving during the working years so you can spend when retirement starts. It's a simple matter of redirecting today's cash flow to tomorrow's financial requirements. Then one day, without warning, your income stops-you become disabled. The statistics are not so optimistic. For a 50-year-old male, there is a 3 in 10 chance that he will become disabled for more than 90 days. Becoming disabled for women is only a 1 in 10 risk. The average disability period lasts 3.1 years. You do the math. What would happen to your retirement nest egg if your income were interrupted for several years? So it is back to the drawing board. Rethink your plans to retire. Yes, retirement planning is based on saving now to spend later. The assumption that your regular income will continue is not good PETER WATSON Dollars & Sense enough. Insurance is needed to cover the financial risk of losing the regular employment income. Many people do have life insurance but need to verify if they have disability insurance and if it is adequate. Many disability policies are excellent and many are not. It is best to be aware of the type of coverage you have and whether more is needed to insure you meet your long-term financial goals. P eter W atson, M BA, CFP, RFP, is th e President o f P eter W atson In vestm ents, an O akville firm sp ec ia liz in g in re tirem en t p lann in g , RRSPs and in vestm ent p lan n in g . H e can be reached a t 842- 2100. H am ilton h o sp itals go h igh-tech UNIS LUMIN Inc. of Oakville has just completed the integration of one of the fastest high-spped wide area networks in Canada at the Hamilton Health Sciences Corporation (HHSC). The HHSC was created from the merger of four Hamilton hospitals and is the province's largest provider of comprehensive healthcare services, serving almost two million people. The challenge facing HHSC was was to develop a wide area connection between each hospital's existing network, providing users with a seamless, high-quality service to accommodate more users, applications and locations. UNIS LUMIN proved the design for a redundant site-to-site connection solution and partnered with Mark Osborne, HHSC Co-ordi- nator of Network Administration and his team to use Hamilton Hydro fibre optic facilities instead of traditional telephone company ser­ vices. The solution gained the hospital access to almost-unlimited bandwidth to run voice, video and data between sites for a fraction of the cost compared with telephone lines. The result is a state-of-the-art technology infrastructure that consolidates all its business applications into a single system with a uni­ form look and feel. New applications can be deployed quickly and efficiently and patient records can be accessed from anywhere within the corporation. P u s h in g a c l ie n t 's 'h o t ' b u t t o n s By Dave Anderson SPECIAL TO THE BEAVER In the subconscious mind of every human being is a veiy large room. This room is so big you cannot see the walls in any direction. This room is filled with row after row of file cabinets. In these file cabinets is an assessment of every­ thing that has come into contact with our senses since conception. It is our belief structure or atti­ tude or reality structure. It is this belief structure that makes us unique and different one from the other. We create personalized beliefs and we store them and operate on them automatically and habitually 99% of the time. Human beings act on the things that they believe to be 'true'. 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