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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 OUTeffort 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. ® What are the advantages of working with just ©® one agent when buying a house? What has been the effect of the economy on fitness? The 90‘s brings on a new era of health conscious individuals who are looking for quality services and products. Our economy is forcing us to be more competitive as a retailer, and more discriminatory as a consumer. The consumer now wants more value for their dollar, and will be looking to spend more on the necessities, and less on luxuries. People are realizing that fimmess is necessary for a happy healthy future; the baby boomers are now reaching the age where their lifestyle requires more in home fimess centres rather than health club memberships. ICAN SPORT is a new and innovative store that will provide the public with a broad spectrum of fimess products â€"from treadmills, rowing machines, bikes, stairclimbers, and universal and free weight gyms to a variety of accessories. It is geared towards a more serious athlete who is looking for a higher grade equipment. We carry many exclusive lines that will interest you. Owner Ray Kitzul says "Our focus is on the clients ‘individual needs‘ and we aim to specialize in service. We offer consultation, test trials, equipment assembly, and delivery as well as refreshments and of course congeniality." Bett{\IThom n, Sales Rep 247 North Service Road Telephone: §44â€"5000 people properties inc. A: 1 Basically 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, at 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. A? _ 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. Why bother to maximize e What is "maximizing" my RRSP? Not only does massage alleviate today‘s stress and tension, but it also provides effective treatment for a number of various musculoâ€"skeletal impairments; such as whiplash, back pain, tendonitis, and a wide range of sport and occupational injuries â€" just to name a few. In addition, massage can offer symptomatic relief for many vascular and neurological disorders; for instance, migraine headaches and neuritis/neuralgia respectively. Registered Massage Therapists have completed a minimum of 2,200 hours of training covering extensively a broad scope of conditions at a government approved school of massage. Many insurance companies provide coverage of massage therapy under extended health care plans. Can Massage Therapy treat conditions other than stress and tension? Richard C. St. Jules, RM.T. 627 Lyons Lane, Suite 306 Telephone: §42â€"2028 Telephone: 8494700 Fax: §49â€"1626 PLANNER REG. MASSAGE THERAPIST SECURITIES INC. n afite~ have 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 q o Costa Rica produces some of the world‘s best coffee. I quality standards Electrolysis is the only proven permanent method of removal of unwanted hair. There are several factors involved in the cause of excess hair Some are hormones, and enzymes in the follicle are sensitive to increase. What country produces the best coffee? OPEN HOUSE SAT., FEB. 6 10 A.M.~12 PM. CALL OR DROP BY What causes excess hair? How many visits would it involve? With application of intensity in order to curitise the follicle all you would feel is a slight tingly sensation. Over secretion of hormones and enzyme in the follicle. Is there is a particular stage where hair growth may increase? Hair growth varies from individual â€"teenager to older women, as well as level of stress, obesity, pregnancy and drugs, are also factors. Is electpbfis going to be uncomfortable It is difficult to estimate how long. It really depends on temporary methods, tolerance and the size of the area. Regular visits determine faster results. Results are 100% guaranteed. Call for your free consultation today. Peter Dennett (< q Oakville Place N §42â€"0689 Hopedale Mall §25â€"1442 CERTIFIED ELECTROLOGIST Â¥] rgus Electrol vsis7D gg{lgfmhfird Ste. 202 ., Of€E. Telephone: 8444247 Argus Electrolysis Aesthetics