The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

Oakville Beaver Weekend, Sunday, February 7, 1993 â€" 12 SAVE ENERGY THE EASY WAY. INSTALL WEATHERSTRIPPING AND CAULKING TODAY. people pes inc. Be%Thom Son, Sales Rep 247 North Service Road Telephone: §44â€"5000 REALTOR ® What are the advantages of working with just ©® one agent when buying a house? A ® When you work with just one agent, that person really ©@ gets to know your likes and dislikes in a home. Whereas, when you deal with several agents, they usually do not have enough time with you in order to discover what it is you really want in a home. Therefore you could actually be wasting a lot of your time going from agent to agent and house to house. In working with just one agent, you eliminate the possibility of seeing the same house twice (wasting your time) and being obligated to apologize for having seen it before. When an agent learns you are working with another, he/she is usually inclined to feel it is a waste of time to put an "ALL OUT‘effort in giving you the very best service with little or no assurance you will buy from him/her. You would be selling yourself short â€" not getting the most from any one agent. There is a growing trend in the U.S. for buyers to sign a contract with one agent in order to ensure they get the very best service. To ensure you are getting the best, interview a few agents, discern what it is they do to help ,you get the home you seek and choose the one who feels best for you and stick with her or him. Happy home hunting and remember you, the buyer, have never had it so good for so long with great interest rates, great house prices and great agents in Oakville from which to choose. Add a lot of comfort for a little money. Your retailer can show you how. Caulk around window and door frames, and anywhere else air might escape. Weatherstrip at doors and windows or any other joints that open. Keep the heat on the inside, where it belongs. And when you‘re buying for the home, always insist on energy saving products â€" common sense saves. OAKVILLE HYDRO 257â€"3461 PowER SAVER® TM used under authority of Ontario Hydro SECURITIES INC. Raymond Jackson 710 Dorval Dr. Suite 505 Telephone: 8494700 Fax: §49â€"7626 INVESTMENT PLANNER Speakers focus on teenage concerns Parents of preâ€"teens and teens are invited to a series of four speakers at Montclair public school discussing drugs, alcohol, teenage sexuality, youth suicide awareness and what to do before kids leave home. "Drugs and Alcohol â€" A Teenage Problem" will see Steven X‘~~r» Addiction Research Foundation proâ€" gram consultant speak Feb. 10th from 7:15 p.m. to 8:45 p.m. "Teenage Sexuality" on March 3rd, 7:15 p.m. to 9:15 p.m., will be addressed by Linda Andrews of the Halton Regional Health Department‘s sexual health program. "Youth Suicide Awareness" will be spoken to by Ross Plant, a White Oaks Secondary School social worker from 7:15 p.m. to 8:45 p.m. March 24th. "What to Do Before Your Kids Leave Home" will be addressed April 14th, 7:15 p.m. to 8:45 p.m. by marâ€" riage and family counsellor Marilyn Belleghem. All sessions take place at Montclair Senior Public School at 1235 Montclair Drive, Oakville. The parent education series is sponâ€" sored through Montclair‘s Better Bridges Coalition which has arranged for the community professionals to be available to parents about issues imporâ€" tant to teens and preteens. For more information contact John Lowrey at Montclair at 845â€"9590. Peter Dennett Oakville Place §42â€"0689 Hopedale Mall §25â€"1442 COFEEE EXPERT @ What is "maximizing" my RRSP? This varies with your age, income, income tax bracket, goals, @ _ risk tolerance and philosophy. $ Let‘s answer in stages: 1. Basically, the government provides a tax deduction incentive for saving/investing for retirement through an RRSP contribution. You deduct your contribution for tax purposes, eg. If at a 50% tax bracket you put $10,000 in your RRSP, you enjoy a $5,000 refund. 2. Your RRSP contribution can be put in several vehicles such as guaranteed, mutual funds, stocks, bonds and real estate. 3. Your choice of the above varies with your individual age, whether you are conservative or aggressive etc., and will determine if a regular or self directed RRSP is required. 4. Maximizing takes the above into account plus, among other things, the added strategy of exercising discipline to put the tax refund to work. This can add a whole new investment and growth dimension by providing access to the traditionally more profitable, international businesses, t virtually no additional cost. This of course is in addition to the 18% foreign content now available for RRSPs. Space limits me in expanding on this further here. Why bother to maximize? Consider the following growth comparison: $10,000 over 20 years * @ 7% â€" $ 409,995 @ 12% â€" $ 720,524 @ 15% â€" $1,024,436 Also, how much will the $ be worth by then? The 1978, ie. 15 years old $, @ 5% inflation is now worth only 0.50 cents. ® What country produces ® the best coffee? Costa Rica produces some of the world‘s best coffee. I A ® just returned from this small (population about 3 @ _ million) beautiful, peaceful, democratically stable country, where I visited coffee plantations and mills, seeing first hand how and why this coffee is so good. Due to its size, Costa Rica cannot compete in volume with larger countries such as Brazil and Columbia. But with over 200 years of coffee growing tradition, they have perfected the process of coffee production and continues to make every effort to get the highest volume of the best quality coffee in the world. All Costa Rican coffee is high grown (the higher coffee is grown the more flavour and less caffeine in each bean) between 2,400 and 5,300 feet above sea level. While in Costa Rica, I visited the La . Minita plantation where I picked coffee cherries, had my harvest weighed and was paid the going rate for pickers (I‘m going to keep my day job), La Minita is grown at an exceptional high level, about 6â€"7000 feet above sea level, providing this coffee with perfect balance. Sweet aroma, full body, bright acidity and a delicately clean aftertaste are the hallmarks of La Minita, making it truly one of the world‘s finest coffee. Second Cup offers La Minita exclusively in Canada at $14.99 per pound. We also offer El Conquistador at $7.99 per pound and will continue to search for other Costa Rican coffees that meet our high quality standards.