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www.oakvillebeaver.com The Oakville Beaver, Wednesday January 30, 2008 - 19 Artscene Oakville Beaver · WEDNESDAY, JANUARY 30, 2008 Sweet music GETTING TO KNOW YOU: Sharlene Wallace, principal harpist with the Oakville and the Kingston symphony orchestras, entertained youngsters Saturday at the Oakville Centre for Performing Arts. It was part of the Oakville Symphony Orchestra's series of mini-concerts for young people. Wallace tours extensively across North America giving concerts and master classes, and has recorded several CDs, which are often broadcast on the radio. This 30-minute, interactive mini-concert took place in the theatre lobby, and admission was free. For information on the program call 905-844-6920 or e-mail osochildrenconcert@gmail.com. PHOTOS BY DEREK WOOLLAM / OAKVILLE BEAVER The New Year has certainly started with a surprise, with this sharp & sudden decline in world stock markets. The drop has been blamed on concerns that the U.S. has entered a recession & that this will lead to an economic slowdown in the rest of the world. In addition, there are fears that financial institutions may announce further losses stemming from the sub-prime mortgage meltdown. For sure, this kind of market activity can be unnerving, especially with the media reporting it on their front pages like a major natural disaster. However, the fact of the matter is that it's not a disaster. Market declines are a normal part of investing. Remember why you are investing ­ for the long term. History has shown that market downturns have provided opportunities for people who remained committed to their long-term investment goals. By staying the course & RAYMOND E. continuing to invest ­ buying when prices are down ­ you can create enhanced potential for long-term gains. SIMON J. JACKSON CSA We can help you construct a properly diversified portfolio. A portfolio that is diversified by asset class JACKSON CSA Senior Financial Advisor (equities & bonds), sector and region will have more stable returns, because not all investments provide Financial Advisor Insurance Agent Insurance Agent the same returns at the same time, or respond to events in the same way. This is how diversification helps boost returns & reduce risk at the same time. Ultimately, your investments will be selected to help you meet your financial needs, based on your individual goals & risk tolerance. A stock market downturn can be uncomfortable, but it's no time for hasty actions. Together, we can develop a disciplined, long-term plan that can weather short-term changes in the investment climate. Please call if you have concerns about your portfolio & you would like to set a date to meet for a complimentary Personal Financial Review, we are here to answer your questions. NEW RSP Deadline: Please note the deadline for a contribution that is tax deductible for 2007 is this year's "leap day" ­ February 29th ­ & not the usual March 1st. Commissions, trailing commissions, management fees & expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently & past performance may not be repeated. SECURITIES INC. 710 Dorval Drive Suite 505 INSURANCE SERVICES INC. (905)849-4700