YOU CAN REDUCE YOUR DEBT 70% SEE PAGE 9 FOR DETAILS ✽ BY UP TO 22 $1000.00 X Dedicated P R O G R A M to your PLAYED EVERY FRIDAY & SATURDAY AT THE 7 PM SESSION SEE PAGE 9 FOR MORE INFO! LIC # M490001 success SCHWARTZ LEVITSKY FELDMAN INC. LICENSED PROPOSAL ADMINISTRATORS AND CREDIT COUNSELLORS. TRUSTEE IN BANKRUPTCY. For a FREE Consultation Call today: Ask for James 416.780.2214 30% OFF P A G E S PICK ER ING 23 YOUR COMMUNIT Y NEWSPAPER VOLUME 9 ISSUE 02 – FEBRUARY 2015 Visit us at www.retailpages.ca PUBLISHED MONTHLY Email : rates @ retailpages.ca ALL MATTRESS & BOX SPRING est. 1986 SEE OUR AD ON THE BACK PAGE RE-UPHOLSTERY Starting at $34 99 EACH RE-UPHOLSTER KITCHEN & DINING ROOM CHAIR SEATS since 1986 1650 BAYLY ST., PICKERING • 905.837.0288 www.factorymattress.com Mon-Fri.: 10am - 7pm | Saturday: 10:30am - 6pm Own A Home & Need Money? Unlock The Equity In Your Home LOW 2.60% Now is the time to Starting at take advantage of www.refinow.ca 1.877.661.2190 1st, 2nd & 3rd Mortgages, even with… * ✓ New To The Country ✓ Self Employed ✓ Property Taxes in Arrears ✓ Bruised Credit ✓ Mortgage Payments in Arrears ✓ Debt Consolidation ✓ No Income Verification ✓ Home Equity Loans INTEREST RATES We will REFINANCE your our home up to 85% of th the APPRAISED value, even if you’re unemployed with BAD CREDIT!! CALL NOW! OW! 1-800-479-7040 1 800 479 70 | Or Apply Online At www.KenMarks.ca Corporate Office: 36 Park Road South | Oshawa, ON | L1J 4G8 Tel: 1.877.661.2190 License# 11012. An independently owned and operated franchise of the Mortgage Alliance Network. *O.A.C. Some Conditions Apply. E&O. Rates are subject to change without notice. Terms & Conditions Apply. Online at: www.retailpages.ca The Pickering RETAIL PAGES W E’RE READY TO SERVE VE HENYOU ANTSHOP! YOU Buy It WE Load It WE Deliver It Call Today! We have a fixed delivery rate for Pickering Ajax, Whitby and Oshawa $39.95 + HST Hours 9 - 9, 7 days a week • Home tutoring specialists with affordable prices • Available 7 days a week all year round • All subjects, all grades • Complimentary initial assessments • Tutors’ backgrounds checked • Exam/standardized test prep • Recommended by schools • Hour pkgs/Prep courses • Have assisted over 6800 students in the past 11 years 905-903-0424 FREE WORKSHOPS WHO CAN JOIN? • Ready to start a new career? • New to Canada & feeling helpless? • Unemployed - Laid off? • On E.I. or Social Assistance • Working in a survival job? • High School Graduate 416-439-8668 bettergogetter.com [email protected] Service Made Simple. No Waiting. Devoted to Academic Excellence DURHAM-GTA-York & Surrounding Areas 905-763-7134 1-877-818-1811 Peel-Halton Region 647-478-6252 1-877-450-3362 www.qualifiedtutors.com Call Tod & Re ay s Your erve Seat HAND CAR WASH & VACUUM $22 $17 INCLUDES: Hand Wash, Hand Dry, Tire and RIm Cleaning, Vacuum, Dash, Doors and Seat Wipedown, Window Cleaning, Includes Trunk 158 Hunt St., Ajax (West of Harwood) 289-988-8515 678 Simcoe St. S., Oshawa (Simcoe & Bloor, Rear of Ultramar) Offer expires February 28th, 2015 * NOW FROM *Please present this ad prior to service. s ’ e n i t n e l Va servations Booking Bookin ng "Specializing in artisanal scratch-baked cupcakes, Re cookies and custom cakes for birthdays, weddings Now! and other special occasions. We would like to thank our valued customers for making our first year of business such a success!" R E S TA U R A N T A PICKERING TRADITION SINCE 1965 Featuring “Always Homemade” Burgers, hand-trimmed steaks, pastas with homemade sauces, specialty salads, a great Steak on a Kaiser, Shop Hours: Tuesday - Thursday 10 am-4:30 pm Friday 10 am- 6:30 pm Saturday 10 am- 3pm Monday and Sunday Closed Why have we been around for 50 years? Follow us on Facebook & Twitter QUALITY FOOD, SERVICE & VALUE 905-420-5191 774 Liverpool Rd. S., Pickering 905-839-5758 www.cococakeco.com Page 2 and a whole lot more. www.masseysrestaurant.ca For Advertising Information please call: 905.420.4123 or 416.779.2523 Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES L.L.B.O. ALL YOU CAN EAT CHINESE BUFFET y a d y r e Ev ONLY Y $9 99 LUNCH ONLY $8.99 Delicious Canadian, anadian Japanese Japanese, Chinese Food Food, Fine Dining Dining, Take Out Out. Mor More Choices, Lowest Price! Group Pricing Available • Buffet To Go Available 1099 Kingston Rd. BUSINESS HOURS (at Dixie Road) Pickering, ON L1V 1B5 Sunday – Thursday 11am – 10:00pm 905.839.2288 Friday – Saturday 11am – 10:30pm www.yongsuperbuffet.com Vol. 9 Iss. 02 – February 2015 For Advertising Information please call: 905.420.4123 or 416.779.2523 Page 3 Online at: www.retailpages.ca The Pickering RETAIL PAGES The Benefits of Digital Access to Your Health Information (NC) Alexa Thompson of Halifax, Nova Scotia, credits access to digital health tools for allowing her to take control of her health and becoming an active partner in her care. After experiencing a severe post-operative infection, Alexa spent six months in the hospital and two months in homecare, and as a result she couldn’t work outside of the home. After this experience, Alexa’s doctor encouraged her to participate in a pilot project, which allows her to keep and access her health records online using a patient portal. “By having access to my health information electronically, I feel much more empowered to talk to my surgeon and it allows me to ask my entire health care team the right questions. I feel more in charge of what is happening to me than I ever have before,” says Alexa. Digital health can empower all patients to take control of their health care. For example, a survey found that 98 per cent of Canadian patients who had access to their personal health record electronically said they have confidence in the information presented in their test results. Nearly seven in 10 (69 per cent) of adults said digital health solutions would allow them to take more control over how their health is managed. For Alexa, a major advantage is being able to add her own information into her record, in addition to accessing information about her. Alexa was able to record her family history using the patient portal. Her family has a history of heart disease, so for her, it’s imperative that any health care provider that treats her has this information. “Now I am an active participant in my own care, not just a recipient, and I think it’s one of the best things that has ever happened to me,” explains Alexa. To learn more about how digital health can impact your life, visit betterhealthtogether.ca. Are you sure you’re ready to move in together? (NC) Love is in the air. You and your significant other spend winter evenings bundled up on the couch, your friends all get along and every day is a new adventure. You’re together so often that you might as well take the next step and move in with one another… but wait just one minute. Have you considered all the implications of cohabitation? Living together can take a relationship to the next level, though there are important things to take into consideration before making that leap, as follows: Financial Implications Now that you’re splitting your domestic costs, both of you can enjoy extra savings. Nevertheless, you should set certain ground rules beforehand, as money can become divisive. For instance, will you equally pay for the rent/mortgage? Who will handle the bills or paying for groceries? While it may not sound romantic, deciding on who is covering what ahead of time will save misunderstandings down the road. Who Owns What? You’re madly in love; your relationship is unlike any other; and it’s on entirely unshakeable ground. It makes total sense that your books, records, and other possessions should come together as one, forever and always. However, in the very unlikely event that the two of you should one day part ways, separating your possessions can be exceedingly challenging and painful. Give some thought to recording what’s yours at the outset, just in case. Protect Yourself Romance comes in many forms. It’s in the little things, like inside jokes, spontaneous outings, and surprise presents, as well as in the big things, like moving in together. And when you do the latter, you can take it one step further and update your insurance policy. “If you add someone to your homeowner’s policy, removing him or her can be very difficult. In fact, you may need to resort to halting payments to have the policy cancelled so you can remove them,” says James Hall, an insurance expert with Western Financial Group. “Instead, either add the person as what’s called an ‘additional insured’ or have them get their own tenant package.” The same should be applied to updating your car insurance if you plan to share a vehicle. Whatever you decide, start by talking to your broker. Now that you’ve given all of the above some thought, you can move in together with a bit more peace of mind. More answers to questions about the nuances of insurance when it comes to cohabitation can be found online at www.westernfinancialgroup.ca. 5 secrets for winning a post-secondary scholarship (NC) Each year, thousands of Canadian students earn scholarships that help them offset their education costs. Surprisingly, over $15 million of the $70 million available each year in scholarship dollars goes unclaimed, according to industry estimates. “Scholarships are a good source of education funding – one that you don’t have to pay back,” advises Melissa Jarman, director of student banking at RBC Royal Bank. “Don’t write yourself off as an unqualified candidate. In addition to funding school with your savings, a part-time job, or a student loan, you could receive an unexpected Page 4 top-up. Even smaller scholarships will help out with your expenses.” Scholarships are available throughout the year, so here are five tips to help you explore your options: 1. Research: Check your college or university’s financial aid department. If you are in high school, check to see what scholarships are available to graduating students. Take advantage of online resources such as studentawards.com and scholarshipscanada.com that match you to available scholarships. 2. Be optimistic: If you’re not a straight-A student, be aware that not all scholarships are based on academic standing. Some of them reward civic engagement, leadership experience, your heritage, affiliations, or a particular skill. 3. Tap your network: You may find scholarships are offered by your employer, sports league or your bank. Ask your parents if their employers offer funding to children of employees. 4. Plan ahead and start early: Be prepared to devote time towards fulfilling scholarship criteria. There are often essays, questionnaires and school transcripts to submit, so allot your time wisely for maximum impact. For Advertising Information please call: 905.420.4123 or 416.779.2523 5. Be conscientious: Proofread your application and ensure you followed all the instructions. Ask friends and family to review your application before you send it. Jarman says that RBC provides over $550,000 in annual scholarships, including the Students Leading Change Scholarships, the Aboriginal Student Awards Program and Scholarship Program for the Children of RBC Employees. More information is available online at scholarships.rbc. com. Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES Open 7 days a week Op Ope COMFORTERS & DUVETS Only 00 $18. Some conditio conditions apply. Offer expires March 7, 2015. **NEW INVENTORY** ARRIVING EVERYDAY 713 Kros Krosno Blvd OPEN 6 DAYS A WEEK MONDAY - SATURDAY (across from Masse Massey’s Restaurant) Your Parts and Accessory Store for Sail & Power Boats Alterations done on premises Unit 2, Pi Pickering on Liverpool so south of Bayly 905 420 7666 590 LIVERPOOL ROAD, PICKERING 905-837-1846 Brian’s Gold Studio Craftsman of Fine Jewellery Fine Gold & Silver Manufacturer Direct to the Public! SIZING FOR ALL BRACELETS, WATCHES & RINGS BRING IN THIS AD AND RECIEVE 30% OFF IN-STOCK MERCHANDISE Melt tour scrap jewellery into a new design! • Diamond Rings/Wedding Rings • Gemstone Jewellery / Custom • All types of Repairs • Watches & Clocks • Repairs/Batteries • Pearl Restringing • Appraisals • Free Cleaning & Inspection Durham College students provide glimpse into college life with Experience DC This year, Durham College (DC) is changing the way it connects with prospective and current students, parents, teachers, and the community with Experience DC, a new and innovative approach to its ongoing marketing initiatives. Fourteen Durham College (DC) students – Team Experience – started their school year in September by launching a social networking website where they’re sharing their stories with you. Representing a wide cross-section of programs, personal interests and personalities, Team Experience has connected on Facebook, Twitter and Instagram more than 20,000 times, on YouTube more than 150,000 times, and through more than 100 amazing blogs to give you authentic, real-time accounts of life at DC from their own perspective. “We are giving the world a view of the walking path of 14 very different college students for a year,” said Josephine Spitale, an Experience DC team member and second-year Paralegal student. “We interact with Vol. 9 Iss. 02 – February 2015 fellow and prospective students, share our experiences and illustrate the amazing community that Durham College is. Those following our stories will watch our highs, our difficulties and our growth in this period. They will be part of our journey and, in some way, we will be part of theirs. This is Experience DC. This is Durham College. This is us.” These incredible students come from all walks of life – here, you’ll find someone to relate to whether it’s a parent balancing schoolwork with family life, a student on a journey to study in Canada from abroad, a first-year student straight from high school, a returning grad, or one of the other unique members of Team Experience. Be a part of it. Visit www. durhamcollege.ca/experience to follow along to check out their adventures, see what college life is really all about, and discover what more than 67,000 alumni already know – at DC the student Experience comes first. Gold = $$$ use your gold credit to purchase jewellery or pay for custom design or repairs 5522 Lawrence Ave. East (at Port Union Rd.) • 416-282-7887 Valentine’ss V DINNER DANCE DJ with APPETIZERS ENTREES California Organic Greens (with Balsamic Vinaigrette) or Caesar Salad (with our own Creamy Dressing) or Creme of Tomato & Basil Soup (Fresh Tomatoes) Supreme of Grain Fed Chicken with Rosemary & Red Wine Sauce or New York Steak with Peppercorn and Mushroom Sauce or Roasted Salmon Steak with Herb Crust & Lemon Sauce (All Entrees served with Seasonal Vegetables and Potatoes) HOME OME MADE TIRAMISU TIRAMIS TIRA TEA and COFFEE DINNER 6000 $ (tax not included) B L U F F E R S Restaurant 7 Brimley Road www.bluffersparkrestaurant.com For Advertising Information please call: 905.420.4123 or 416.779.2523 416.264.2337 Page 5 Online at: www.retailpages.ca The Pickering RETAIL PAGES YOU CAN REDUCE YOUR DEBT BY UP TO 70% ✽ AND AVOID BANKRUPTCY! Stop the harassing phone calls, letters and lawsuits by filing a consumer proposal with a Federally Licensed Proposal Administrator. Dedicated to your success SLF ✽ OUR EXPERIENCE + OUR EXPERTISE = YOUR SUCCESS Low monthly payments. Percentage calculation will be based on individual information provided. Does not include Court Filing Fee. For a FREE Consultation call today: Ask for James 416.780.2214 SCHWARTZ LEVITSKY FELDMAN INC. LICENSED PROPOSAL ADMINISTRATORS AND CREDIT COUNSELLORS. TRUSTEE IN BANKRUPTCY. Page 6 For Advertising Information please call: 905.420.4123 or 416.779.2523 Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES FREE WORKSHOPS: CALL FOR DATES Clinical Research Associate Pharmaceutical Manufacturing Technologist Pharmaceutical Quality Control & Quality Assurance Dental Hygiene Intra Oral Dental Assistant Medical Lab Technician REGISTER EARLY ! Vol. 9 Iss. 02 – February 2015 For Advertising Information please call: 905.420.4123 or 416.779.2523 Page 7 Online at: www.retailpages.ca The Pickering RETAIL PAGES UPDATE YOUR FURNITURE CAN YOU ANSWER YES TO ONE OF THE FOLLOWING QUESTIONS? • Is your fabric ripped, torn or worn? • Have your cushions gone flat? • Is your furniture outdated? • Is your wood finish looking worn or scratched? IF SO… LET US HELP YOU! • Reupholstery & repair of all residential & commercial Furniture & recreational vehicles • Replacement foam cushions • Furniture refinishing Largest Fabric Library in Durham Including Designer Names SPECIAL O CALL T UR YO BOOK TMENT IN APPO N’T BE WE WO SOLD UNDER NO HST Offer expires February 28, 2015 GRAND UPHOLSTERY “Empowering you to succeed” ARE YOU UNEMPLOYED? LOOKING FOR WORK OR RE-TRAINING? DO YOU HAVE A DISABILITY OR BARRIER TO EMPLOYMENT? WE CAN ASSIST YOU WITH: Workshops on effective job search strategies One-on-one employment counselling Resume writing and interview skills Career planning and exploration Job development & placement support Second Career applications Phone: 905-725-0087 Toll Free: 1-866-794-4677 Fax: 905-725-0935 905.655-3718 Page 8 For Advertising Information please call: 905.420.4123 or 416.779.2523 Referral to other community programs and services www.metavocational.com This Employment Ontario project is funded by the Ontario Government. EMPLOYMENT ONTARIO Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES PROMOTIONS HOURS OF OPERATION: Breakfast - Fri to Sun 9:15am | Matinee - Mon to Sun 12:15pm | Evening - Mon to Sun 7:00pm Midnight - Mon to Sun 10:15pm | Quickcash - Wed, Thurs, s, Fri to Sun 6:15pm p | Quick Cash Latenite - FFri & Sat 1:00am Twilite - Fri to Sun 3:30pm S E N I T N E L SPECIAL FEATURE VASSaturday February DAY Feb Feb ebru ruary 14th LIC # M490001 SATURDAY,, FEB. 14TH & 28TH PLAYED AT THE 7:00 PM & 10:15 PM SESSION 22 X $1,000.00 BONANZA BLITZ From February 12th to February 26 every player at each session will receive a single faced bonanza card. These cards are to be played at each session (Matinee, Evening & Late) on February 26th for a guaranteed $1,000 prize ALL WINNERS GAME Collect your ballots on Sunday, February 1st through February 22nd to come back February 22nd and play for $1,000.00 during the 12:15pm and $3,000.00 during the 7:00pm session. FOOD BANK GAME This game is played every Wednesday night during the 7:00pm session. Bring a non-perishable food item or toy to recieve your card to play a game to win $1,000.00. On February 28th, the Super Jackpot is a MUST GO at all sessions Food Bankk Game Game me at every eve session ses for Free Dabbers at all sessions FREE Cupcakes on Valentine’s Day PROGRAM $1,000.00 While supplies last NEW 11 x $500 PROGRAM For the month of February every matinee session Mon through Friday playing the 11 x $500 program… final jackpot $1,000. Played on all 9:15am and 3:30pm programs Friday, Saturday and Sunday. 10:15pm Session Sunday, Monday, Tuesday, Wednesday & Thursday. 22 x $1000 PROGRAM Played every Friday and Saturday at the 7:00pm Session FAMILY DAY FEBRUARY 16TH FREE QUICK CASH SESSION AT 10:30AM FOLLOWED BY A 5 X $1,000 PROGRAM. DOORS OPEN AT 9AM. EXTRA 3:30PM SESSION FOLLOWED BY A 6:15PM QUICK CASH SESSION. $50,000 MONSTER BINGO April 25th at the 7pm session. Tickets will go on sale March 8th. Don't be disappointed, reserve your seat early. You must be 18 years or older to play. COMPLIMENTARY DINNER SERVED EVERY SATURDAY BETWEEN 6 PM & 7 PM 975 DILLINGHAM ROAD LIC # M490001 Vol. 9 Iss. 02 – February 2015 1 block south of Bayly off Brock Road 1st right is Dillingham, 3rd driveway on left HOT LINE 905 831 2421 www.deltabingo.com For Advertising Information please call: 905.420.4123 or 416.779.2523 LIC # M490001 Page 9 Online at: www.retailpages.ca The Pickering RETAIL PAGES 2 Lunch Buffet 2 Lunch Buffet SENIO DISCOR 65+ UNT L.L.B.O. Only 15% O FF Buffet REGUL A PRICE R ALL YOU CAN EAT CHINESE,, JAPANESE & CANADIAN CUISINE BEST CHINESE BUFFET IN WHITBY 14 49 With the purchase of 2 Beverages. Not valid on Valentine’s Day. Cash/Debit payments only. l Limit Li i 4 coupons per group. Must present coupon before ordering Expires March 7, 2015 Reader’ Choice Awards w ww.greatmoonbuffet .ca Menu & Pricing Subject to Change without noticee Order Online www.greatmoonwhitby.com Oshawa Whitby This Week PARTY ROOM AVAILABLE LE FOR ALL OCCASSIONS 1801 Dundas St. E., Whitby, ON L1N 7C5 Kendalwood Park Plaza 905.433.8828 $ GROUP RATES AVAILABLE Only $ 14 49 With the purchase of 2 Beverages. Not valid on Valentine’s Day. Cash/Debit payments only. l Limit Li i 4 coupons per group. Must present coupon before ordering Expires March 7, 2015 2 Dinner Buffet 2 Dinner Buffet Only $ 22 99 With the purchase of 2 Beverages. valid on Valentine’s Day. Cash/Debit Not valid t only. l Limit Li it 4 coupons per group. payments Must present coupon before ordering Expires March 7, 2015 19 Monday – Thursday Only $ 99 With the purchase of 2 Beverages. Not valid on Valentine’s Day. Cash/Debit payments only. M t presentt coupon Limitit 4 coupons per group. Must before ordering. Expires March 7, 2015 WHAT WILL THIS SEASON OFFER YOU? GET UP TO A $70 COOPER TIRES PREPAID MASTERCARD® CARD BY MAIL WHEN YOU PURCHASE A NEW SET OF FOUR (4) QUALIFYING COOPER TIRES.† Business Hours: M-F: 9-5pm, Sat: 10-4pm 24HR TIRE SHOP SERVICE New & Used Passenger, Light Truck & Truck Tires & Auto Repairs We’ll BEAT any Competitor’s Price! Period. MECHANIC ON DUTY 415 MacKenzie Ave. Unit A, Ajax [email protected] †SEE STORE FOR DETAILS CALL NOW for a Quote today 905-231-0091 Mediterranean Munchies 2367 Kingston Road, Scarborough (West of Midland Ave.) NEW HOURS AND MENU STARTING FEB. 1ST Come In r and Try Ou NEW MENU! Starting Feb. 1st $4 MONDAYS & TUESDAYS: SANDWICH SPECIALS ALL… FRIDAYS: VEGETARIAN SPECIALS… DINNER SPECIALS… Call ahead d to place your order orde 647-351-8966 TAKE-OUT OUT • WE CATER • 10% SEN SSENIORS NIORS D DISCOUNT www.mediterraneanmunchies.com NEW HOURS Starting Jan. 2nd – Open 7 Days a Week Mon. to Sat. 11am – 10pm, Sun. 11am – 7pm Page 10 + TAX Too Many Choices to List Here! $9 99 Midland Ave. SUNDAYS: 99 + TAX n sto . Rd g Kin Mediterranean Munchies For Advertising Information please call: 905.420.4123 or 416.779.2523 Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES FOR THOUSANDS OF LISTINGS SEE Montessori Village www.torontolocalrealestate.com • 1400 Sq. Ft. 3 Bdrm Toronto Condo • 5 Minute walk to Subway / LRT • 2 Underground Parking spots - owned • Call for Details & Education Centre TODDLER • CASA ELEMENTARY SCHOOL 416.266.0424 www.gvmontessori.ca Open 7 am to 6:30 pm OPEN HOUSE Wednesdays @ 7 pm OPEN TO ALL… French nch Immersion Themed Class Classes – from age 6 to 14 years ENROLL NOW… Saturday 2 hour classes – Call or Visit to enroll Tutoring: Ages 6 and up, French, Math, Language High School: Math, Physics, Chemistry 297 Old Kingston Rd @ Morrish Give your child the love of learning… $175,000 David Hemmings Broker People’s Choice Realty Inc. Do you know how much your home is worth? Brokerage Just call me to get a FREE evaluation. Dir. 416.716.5383 Office: 416.751.2801 Email: [email protected] www.torontolocalrealestate.com Affordable Senior Apartments $950 per month Meal Plans . RecreaƟon & Exercise . Emergency Assistance . Hairdresser . Tuck-shop Midland Gardens Independent Senior Apartments Call 416-264-2301 130 Midland Avenue, Scarborough www.midlandgardens.ca Our Philosophy is Choice Choosing a Corporate Name In previous articles, we have addressed issues involving incorporation and its benefits. Here we go back to the very first steps of incorporation - choosing a corporate name. When incorporating, you have the option of opting for a numbered company. If you wish to have a named company, you are required to obtain a name report known as a NUANS report. The NUANS report compares your proposed name with the registered names. The idea is to avoid not only conflict but major similarities where customers or clients might confuse one business with the other. The risk is not only that customers might be misinformed or misled by a company name but also the possibility of the Corporation that registered its name first suing the second one for loss of profits. Similarly, names suggesting connection to the crown or the levels of government are prohibited. Representing a company as Vol. 9 Iss. 02 – February 2015 involved in a particular activity which requires a licence from its governing body is also prohibited without proper written consent. For example, a company with the word “engineer” or “engineering” in its name would need special permission from Professional Engineers Ontario. Searching the yellow pages, searching on the internet and any other source where business names would be available is a good way to start and identify conflicts. Each official NUANS report requires a fee, which means, if a name is chosen (to submit and receive a NUANS report) without adequate due diligence, one could easily spend hundreds of dollars trying to find a unique name that has not been already registered. Many on-line service providers offer the NUANS search report service. What should be kept in mind is that these reports are valid (the name is reserved) for 90 days. If you do not incorporate your company within that time, the NUANS will or federal incorporations. A expire and another NUANS search provincial NUANS will not work will be required. This means the for a Federal incorporation. fee needs to be submitted again Should you require assistance and depending on how long it has with incorporating your company passed since its expiry, the name at any stage of the process, do not might no longer be available. hesitate to contact Lawson Clark & Once you decide on the name, Oldman Professional Corporation and established its availability, at 905-683-2741. you will need to choose one of six legal endings (the French equivalents are also available) being: Incorporated, Limited, Corporation, Inc., Ltd., Corp. These legal elements cannot RS act as the distinguishing TO CI I L factor of the company SO S & name. For example, if GE RS A E T G IS there is a company RT RR O A M B existing with the name IAL E& T ERC A M of Red Roses Inc., ST OM &C LE E naming your business A T E A STS • R ORPOR & TRU Red Roses Ltd. will not S E T • C LS - ESTA Evenings address the conflict. By Appointment • WIL Just as a company 905 can be incorporated provincially or federally, 65 Old Kingston Road Pickering Village the NUANS searches are done based on either provincial For Advertising Information please call: 905.420.4123 or 416.779.2523 K R A L , C AN N O DM S W OL A L & 683-2741 Page 11 Online at: www.retailpages.ca The Pickering RETAIL PAGES Check to see if your retirement savings are safe (NC) Retirement is on the horizon, so now you are likely spending far less time dreaming about it, and more time actually planning it. As you focus on your hard-earned savings, are you sure all of your money is safe? The failure, or the bankruptcy of a financial institution is not beyond possibilities in Canada – and not all deposits are insured. Take a minute now to understand the different types of deposits and how to apply this information to your own retirement plan. First, the Canada Deposit Insurance Corporation (CDIC) is the federal agency that exists to protect the savings of Canadians in the event their bank fails or goes bankrupt. If you have an eligible account held in Canadian dollars at a CDIC member institution, you’re automatically insured up to $100,000. The first thing you should know is that, while deposits up to $100,000 are insured, not all deposits are covered, as follows: Insured Deposits You will receive insurance on: • Savings and chequing accounts; • GICs or other term deposits with an original term to maturity of 5 years or less; • Money orders, certified cheques, travellers’ cheques and bank drafts issued by CDIC members; • Accounts that hold realty taxes on mortgaged properties. Uninsured Deposits There is no insurance coverage for: • Mutual funds and stocks; • GICs, and other term deposits with a date to maturity of more than 5 years; • Bonds and Treasury bills • Foreign currency, including U.S. dollar accounts. You will be covered up to $100,000 separately for each of the eligible accounts you hold: an account in one name, an account in joint names, for a trust account, and for the RRSPs, RRIFs, and TFSAs you own. Here, from CIDC are tips for applying this information to your retirement plan: 1. Personal Accounts/Joint Accounts – If you’re looking to maximize your insurance protection, it’s good to remember that deposits held in one name are protected separately from those held jointly. So, if you have personal deposits, your spouse has personal deposits, and you own deposits jointly, you would have total coverage of up to $300,000. 2. Trust Deposits – CDIC insures trust deposits separately from deposits held personally by the trustee or the beneficiary. In this instance, the deposits are separately insured per beneficiary not per depositor. So a trust account in which your five grandchildren have an equal share could be protected up to $500,000. 3. Spousal RRSPs – Eligible deposits held in an RRSP are insured separately from other eligible deposits. In the case of a spousal RRSP, the contributor and the owner are different people. Eligible contributions are added to other registered deposits in the name of the spouse or common-law partner for whom the plan is established – and not with the contributor’s deposits. 4. Foreign currency – If you are a snowbird or considering becoming one, it’s important to remember that CDIC does not insure foreign currency, including U.S. dollar accounts. To take responsibility for your money and to keep it safe in your retirement, information is available from your financial advisor, as well as online at cdic.ca. How to get through tax season with a smile (NC) Spring is not far off, but with one hurdle first: tax time. Turn it into an advantage for yourself with a few easy tips: File, pay on time – and online If you owe taxes, file and pay on time and you won’t get charged late filing penalties and interest. If you don’t owe taxes, you should still file on time. This will ensure that you receive your Canada child tax benefits or GST/HST credit without delay. If you’re expecting a refund, you can have it in your bank account in as little as eight days if you file online and sign up for direct deposit. Claim your tax credits • Medical expenses – You can claim amounts spent on eligible medical expenses, including prescription drugs, medical devices, and special dietary needs. If you have medical coverage through your employer, you can claim the amounts that were not covered by the plan. • Charitable donations – If it’s your first time claiming charitable donations, or your first time since 2007, you may get an extra 25% credit your donation, to a maximum of $1,000. • Fitness and arts credits for kids – The children’s fitness and arts tax credits help make the cost of art lessons and organized fitness Page 12 activities for your children under 16 a little more affordable. You can claim up to $1,000 (under proposed changes) in eligible fitness-related expenses, and up to $500 in eligible arts-related expenses per child. • Family Tax Cut – It’s a proposed non-refundable tax credit of up to $2,000 available to eligible couples with children under the age of 18, and is effective starting with the 2014 tax year. Ask for help If you have a modest income, a simple tax situation, and need help completing and filing your return, many community organizations host tax clinics that may be able to help you. To see if you are eligible for the Community Volunteer Income Tax Program go to www.cra.gc.ca/ volunteer. Ask for a payment plan The Canada Revenue Agency (CRA) understands that some taxpayers may be going through a tough time. If you owe taxes but can’t pay, talk to the CRA about your situation. You may be able to set up a payment arrangement which lets you pay in smaller chunks over time. More information is available at www.cra. gc.ca/paymentarrangements. Don’t leave your taxes to chance Getting a refund or having a balance owing when you file your return is not like winning or losing the lottery. It’s simple math. If you’re consistently getting a refund, it means you’re paying too much tax during the year. If you always have a balance owing, consider having more taxes deducted at source, increasing your instalment payments, or putting money into a registered retirement savings plan. SUDOKU INTERMEDIATE SUDOKU CHALLENGING SUDO K U A N S W E R S SUDOKU EASY 3 9 8 2 5 6 1 7 4 6 3 9 5 1 7 4 8 2 9 2 1 7 4 3 8 6 5 5 1 2 8 4 7 9 3 6 7 8 5 3 2 4 1 6 9 4 5 3 6 9 8 2 7 1 7 6 9 1 4 3 2 5 8 1 4 2 8 9 6 3 7 5 6 8 7 5 2 1 4 3 9 YOUR COMMUNITY NEWSPAPER 5 9 2 4 3 6 1 7 6 5 8 2 7 1 9 3 4 8 1 6 2 3 8 9 7 1 7 4 8 5 4 8 5 6 3 7 9 2 9 3 1 4 5 2 4 8 2 5 6 7 6 1 3 9 4 8 6 5 7 3 2 9 1 9 3 2 8 1 4 5 7 6 3 6 9 1 4 8 7 2 5 Advertising doesn’t have to be expensive… just EFFECTIVE! For Advertising Information please call: 905.420.4123 or 416.779.2523 9 3 7 8 6 1 2 6 4 5 4 5 8 9 1 5 6 9 1 7 3 7 4 2 9 8 1 2 5 3 7 4 5 6 8 2 8 3 7 4 6 9 1 3 2 2 4 1 3 9 7 7 3 6 8 2 3 6 5 8 4 7 9 9 1 2 1 6 5 5 8 4 5 8 2 4 1 6 3 9 7 Download your current issue at: www.retailpages.ca For pricing information email us at: [email protected] Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES $3.00 OFF Bring in this Ad and receive: Your Next Visit to O’Connor Bowl Valid with Purchase of $10.00 or More. Monday – Friday: 1PM – 4PM Saturday & Sunday: 11:30AM – 3:30PM $14.50 Property Administrator is a hot new career choice Exciting Career: Be a Property Administrator. The field of Property Administration can open many career opportunities for the successful graduate. NOC 1224 Property Administrator is ranked with GOOD employment opportunities in the Labour Market of Ontario. 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Invitations are provided with your deposit. 1401 O'Connor Drive, East York www.oconnorbowl.com 2 5 1 7 5 1 9 2 4 6 SUDOKU EASY 5 1 2 9 6 8 1 3 4 2 6 4 3 2 7 1 6 1 5 8 9 6 8 7 2 1 [email protected] www.accessbuscollege.com SUDOKU INTERMEDIATE 3 4 7 2 9 5 8 5 2 1 8 3 8 4 6 5 2 4 3 7 8 4 6 1 SUDOKU CHALLENGING 7 5 2 3 9 7 6 9 2 4 3 9 1 8 2 5 7 4 6 3 7 5 6 8 © 2012 KrazyDad.com Call to book your ad today: 905 Vol. 9 Iss. 02 – February 2015 420 4123 or 416 779 2523 Copyright © 2015 Retail Pages. All Rights Reserved. For Advertising Information please call: 905.420.4123 or 416.779.2523 MEADOWVALE HWY 40 MARKHAM RD. VICTORIA PARK AVE. LAWRENCE AVE. INE AVE. EGLINTON AVE. D. NR TO GS KIN WOODB LAKE ONTARIO PICKERING LAKE RIDGE RD WHITBY OSHAWA TAUNTON RD AJAX ROSSLAND RD HWY 401 COURTICE RD LESLIE ST . HWY 401 ELLESMERE RD. BROCK RD Retail Pages does not provide an “Exclusive” clause in the agreement to run any advertising. SSpecial i l positioning iti i off ads d cannott bbe guaranteed, all ads are situated at the discretion of the publisher. Retail Pages assumes no responsibility for any product or service reported or advertised and will not knowingly publish any editorial content or advertisement which is illegal or in any way mis leading to its readers. Retail Pages reserves the right to classify all advertising. The publisher assumes no financial liability for typographic errors or omissions in copy other than cost of the space occupied by the error. Retail Pages will not accept cancellation of any advertisement after 7 days prior to the date of publication. Please consult your sales representative for ad deadlines. Our papers are available in all 5 communities through retail outlets including Walmart, community centres, libraries, restaurants, banks and GO Train stations as well as our growing number of newspaper boxes and racks. Visit us online at www.retailpages.ca and download all of our current issues. Email us at [email protected] for pricing info. SHEPPARD AVE. DON MILLS RD. YOUR COMMUNIT Y NEWSPAPER FINCH AVE. SCARBOROUGH CONC. 3 P A G E S IN PRINT & ON-LINE 23 Advertising doesn’t have ave to be expensive… just EFFECTIVE! 4 STEELES AVE. 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For more information please contact us at: [email protected] L I V E HIGHEST CA$H GUARANTEED LOCAL Advertising doesn’t have to be expensive… … Cars, Trucks & Vans YOU CAN REDUCE YOUR DEBT* www.localhelpwanted.ca www.airflexltd.com 3252 Lawrence Ave. E. Metro License #H16265 Buying from Factory Mattress makes dollars and cents. MATTRESSES Futon frames, mattresses & covers available Upholstered beds and headboards Solid wood bunkbeds Solid Acacia Wood furniture RE-UPHOLSTERY Starting At $34 99 EACH Starting At RE-UPHOLSTER KITCHEN & DINING ROOM CHAIR SEATS • Latex Mattresses • Hospitality • For Trucks & Trailers • Custom • Institutional • For Boats • Futon Frames Sewing Some conditions apply. With coupon only. Not to be combined with any other offer. Monday to Friday: 10:00 am - 7:00 pm Saturday: 10:30 am - 6:00 pm Page 14 99 $399 We Specialize In Custom Mattress Sizes and Shapes Queen Size Set Factory Mattress since 1986 1650 Bayly., Pickering 905.837.0288 www.factorymattress.com For Advertising Information please call: 905.420.4123 or 416.779.2523 Vol. 9 Iss. 02 – February 2015 Online at: www.retailpages.ca The Pickering RETAIL PAGES $28ic,able pl If ap Daycare ild ch Child $1,000/ onth up to $2,000/m . Max ND O FI US T QUALIFY L L U CA IF YO NG & I OUT N NG. I TRA N FUNDI R O F IO CAT EDU Wing Chairs Only South Durham Region Only with this ad only* Fabric In cluded SP REDUCECIAL ED PR ICE HELD OVER! RECEIVE Repairs Available CS6 SUITE Recover Your Sofa PICOV’S FURNITURE LTD. 416-510-2739 www.accessbuscollege.com [email protected] FREE PARKING stock 399 . 00 $ FREE Pick-Up for all Seniors (over 65) Famous For Fairness & Quality 1080 Brock Road, Unit #8 Pickering Tel: 905-831-6040 $ FROM 77900 Fabric Included Hwy 401 Westney 000. 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Offer expires Mar. 15, 2015 For Advertising Information please call: 905.420.4123 or 416.779.2523 325 Westney Rd. & Bayly Ajax, Ontario 905.427.9933 www.mazzagarden.com Page 15 Online at: www.retailpages.ca The Pickering RETAIL PAGES 30% OFF FEBRUARY IS KINGSDOWN MATTRESS MONTH ALL MATTRESS & BOX SPRING FOR OVER 27 YEARS 1020 BROCK RD. SOUTH, PICKERING at the Giant Rocking Chair hair 1st Street South of 401 at the Giant Rocking Chair 905-831-9845/9846 • [email protected] • www.solidwood.ca od.cca est. 1986 CIANI GENERAL CONTRACTING & RENOVATIONS No job too small… We do it all! Specializing in: • Bathroom Renovations • Kitchen Renovations • Concrete Walkways & Garage Floor Repairs All work guaranteed Toronto Area: (t) 416.438.2684 • Clean & Efficient Durham Area: (t) 905.619.9728 (c) 289.200.2589 • Affordable Pricing Email: [email protected] • FREE In-Home Estimates A family owned business since 1951 Page 16 For Advertising Information please call: 905.420.4123 or 416.779.2523 Vol. 9 Iss. 02 – February 2015
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