1. business and industrial
2. advertising and marketing
3. advertising

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?
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OW! 1-800-479-7040
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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
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• Tutors’ backgrounds
checked
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• Have assisted over 6800
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bettergogetter.com
[email protected]
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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 . Recreaon & 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.
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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:
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© 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.
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PICKERING
LAKE RIDGE RD
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TAUNTON RD
AJAX
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HWY 401
COURTICE RD
LESLIE ST
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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
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LAKE ONTARIO
Page 13
Online at: www.retailpages.ca
The Pickering RETAIL PAGES
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Page 14
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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
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Page 15
Online at: www.retailpages.ca
The Pickering RETAIL PAGES
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Page 16
For Advertising Information please call: 905.420.4123 or 416.779.2523
Vol. 9 Iss. 02 – February 2015