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

i New business specializes in window treatments (Continued from page 21) business because I‘m always on the lookâ€" out for new things to offer my customers." As the name of the business suggests, Lourdette specializes in a wide variety of ay, August 26, Beautiful semiâ€"detached, nestled quietly in a court backing onto River Oaks Park. This luxury semi has the following features included: * 3 bedrooms * Ensuite in huge master bedroom * Beautiful finished basement * Central air/ Centra vacuum * Ceramic tiles * Only 2 years old!! etc.. etc.. etc. $187.900. Don‘t miss this one! Call JAMES Evenings: (905) 257â€"1631 Days: (905) 670â€"1680 HaAuBurtoNn HIGHLANDS No Motor LAKE Spacious bright cottage/home 3 bedâ€" rooms, 2 , screened in porch, hot tub much more. Solitude plus: 3 Counmtry Home On seven acres. Quality built. Close to lakes. Lots of decks English gardens. $129,900. DARIENE BRowfi°c">r LEE GAUTHIER HOUSE FOR SALE mantifiil â€" caomiâ€"rotarhed â€" nostler Sales Representatives Dale Austin Realty Ltd. (705) 286â€"4441 trJt 8 ©2105 Sq.Ft. *3 Bedrooms *21/2 Bathrooms *2 Balconies *Rooftop Patio *2 Parking Spaces *Family Room with Fireplace *Skylight in the Dining Room *With a full selection of lake view suites including magnificent Penthouses *5 appliances included. *Individually metered utilities. * Secure underground parking *Plus, incredibly low condominium fees COME $EE OUR NEWLILY RELEASED LUXURY LAKEFRONT SUITES window treatments for both residential and commercial environments. From venetian blinds, to California shutters, to elaborate swags and valances, Lourdette offers endless ideas for creating spectacular windows, as well as putting the finishing touches on the entire room setting. More recently, in keeping with her desire to stay on top of latest trends, Lourdette has also begun offering a slipcovering service which can offer either a very tailored look, or the slightly baggy "shabby chic" look. Array of Windows (Plus) is a shopâ€"atâ€" home business which offers a complete line of decorating services including custom window and bedroom treatments, upholstery fabrics and wallcoverings. Lourdette says she likes her customers to feel that they can build slowly as their ou have heard about RRSPs and soon you will start hearing more about Group RRSPs. Over the years, individuals have become more concerned about preparing for retirement. Often this has been accomplis hed through a company pension plan. However, small firms cannot afford tac.2420 ontrolling RRSP funds important Group RRSPs are â€" simply _ a collection of individual RRSPs that are established traditional pension plans and larger organizations find them complex and expensive to administer. Group RRSP plans could be the solution. at your place of employment. They are easy to establish, offer a fair degree â€" of budget allows toward the final look they have in mind. "I build a portfolio for each of my customers, so that I can keep them in mind when new things come up," she says. "In this business you have to look at the long term. Most people can‘t afford to redo Employers and employees _ can contribute and neither are committed to continue in the future if flexibility, and are inexpensive for an organization. ‘SALES OFFICE HOURS: MON â€"THUR. 2â€"8, SAT â€" SUN 12â€"5 CLOSED FRDAY Dawn Hammell, Dave Brown Sr. Represented By RE/MAX Delmar Realty Inc. Realtor (905) 664â€"7300 PRICES AND SPECIFICA TIONS SUBJECT TO CHANCE WITHOUT NOTICE L.0 K. TAKE SOUTH SERVICE RD.FROM HWY.20 * OR FRUITLAND RD. TO MILLEN RD. OVERPASS NORTH TO THE LAKE (NOR TH SERVICE RD. UNDER CONSTRUCTION) However, Group RRSPs, like most things, have a downside. Group RRSPs can be too flexible at times. Unlike a circumstances change. So far so good. a room from top to bottom all at once." One of the "new ideas" that Lourdette is very enthusiastic about is a unique collection of fabrics and wallcoverings she is offering which were created to celebrate the 200th anniversary of Royal Doulton‘s Minton collection of fine china. What makes the fabrics and wallcoverings different is that they were specially created to coordinate with several distinctive Minton china patterns, ranging from a traditional English country look to a sophisticated faux marble pattern. Lourdette says she would be willing to host a gathering featuring the designer of this unique new collection. Anyone interested in the Royal Doulton fabric line, or in arranging an atâ€"home consultation can contact Lourdette Galeway at 842â€"9815. company pension plan, an employee can withdraw funds from a Group RRSP. This practice is discouraged but, nonetheless, it still happens. It is often the short term priority of a consumer purchase that wins over the more sensible, but not as much fun, longâ€" term priority of retirement savings. The end result is contributes a specific or "defined" amount each year to an employee‘s retirement ~plan. Employer funded benefits can be lockedâ€"in and, therefore, eliminate the temptation for an employee to spend retirement funds. This option is a little less expensive than the, popular â€" Group RRSP because that less funds are available when the person retires. Contributio n Pension Plan that is often referred to as a Money Purchase Plan. It is similar to a company pension because the A slight variation of a Group RRSP is the contributions are not subject to payroll tax. ' One final comment about Group RRSP is that it is portable. The funds are investe directly into a individual‘ account. There is n vesting period; th RRSP is yours fro day one. Controlling you retirement funds i. important becauss of the growing frequency of jol and career chang experienced _b employees.. Th workers ~of â€"t future will be f; more mobile than generations and therefore, the retirement savin should be equally a mobile. R Peter Watson, ME CFP, RFP is t president of Pej Watson Investmer Limited â€" an Oakvi firm specializing # retirement plannir RRSPs, and investmé planning.~He>can ~ reached at 842â€"7602.~