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The sessions will start at 7:45 a.m. and will end before 9:00 a.m. A complimentary continental breakfast will be served. Location is the Oakville Holiday Inn. Call 847â€"0560 for reservations. Employment Centre moving Tuesday Employment Equity seminar Tuesday Arthur Rivard Associates Inc., in association with the law firm O‘Connor MacLeod, is presenting a series of breakfast seminars over the next two months. The Tues. Nov. 30th seminar topic is Preparing for the Realities of Employment Equity and on Jan. 6, 1994, the seminar topic will be Effective Debt Collection. Limit Statement. If you would prefer, you can call "TIPS" (Tax Information Phone Service) at 1â€"800â€"668â€"9470. The computerized telephone service will give you your RRSP contribution limit. If you miss contributing to your RRSP before the deadline, don‘t panic. Now you can carry forward any unused RRSP "room" for up to seven years. The RRSP program is financially sound, efficiently managed, flexible, and fair. In my opinion, the Federal government deserves a score of a perfect 10. Peter Watson, MBA, CFP, RFP is the president of Peter Watson Investments Limited â€" an Oakvilie firm specializing in retirement plannlng, RRSPs, and investment planning. He can be‘reached at 842â€"7602. ho# RRSP plan a sound investment The Oakville Canada Employment Centre is moving to 1090 Speers Road, L6L 2X4, effective Tues. Nov. 30th. Telephone: (905) 845â€"3891, Fax: (905) 845â€"3890 (after Nov. 29th). (The new office is located directly across the road from Oakville Toyota.) The actual moving date will be on Mon. Nov. 29th but the centre will be open on Tues. Nov. 30th for partial service, and on Wed. Dec. 1st for full service. Regular office hours will continue to be from 9:00 a.m. to 4:30 p.m. Dan Cooper of Countrywide Town Centre Realty Inc. and his clients, Ian and Doree Kennedy and family of Old Colony Road in Glen Abbey, got together recently to celebrate a significant event. The sale of the Kennedy home was Cooper‘s 100th for the year and to celebrate the achievement, 100 sold signs were placed on the front lawn. Cooper said he thanks his colleagues on the Oakville/Milton Real Estate Board for helping him achieve his goals. © 1993 ArtPress International Gordon Pape is a financial author and broadcaster. On the Money provides general informaâ€" tion on money management. For specific advice, consult an appropriate financial professional Avoiding holiday financial hangovers PAPE‘S TIP: "Don‘t let impulse buying leave you with a postâ€"Christmas headache." With careful planning and a tight rein on generosity, you can enjoy the holiday and not be mired in debt in January. e Budget. Decide how much you can afford in total and allocate a specific amount for each person. Once you‘ve spent it, stop! ® Look for food specials. Cut food costs by stockâ€" ing up on sale items in advance. Freeze the turkey and anything else you can buy early to save dollars. e Switch bill schedules. To free up more money for holiday shopping, change bills that come due in December (e.g. insurance) to a different schedule. (Continued from page 28) otal Once ckâ€" lars. y for #Keep a sharp eye on your credit cards â€" the holiday season is a bad time for card thefts. Fraudulent use has more than doubled in the last five years. i# Watch your balance â€" if you exceed your limit your shopping spree will be abruptly cut off. Leave room for January sales. W# Some companies waive the minimum due in January. Sounds tempting â€" but if you don‘t pay off the balance, you‘ll still pay interest from purchase date. GRAPHICS SYNDICATE 21/11 YOUR CUSTOM HOME, BUILT ON YOUR LOT OR OURS! ONLY BY GLEN ORCHARD HOMES [ EXCEPTIONAL VALUE FROM CE =eofion Canada Brick "The Real McCoy"