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Royal LePage expands branch office serving North Oakville Sherry Chris, Royal LePage branch manager, is pleased to announce the relocation and expanâ€" sion of the North Service Road office. The new facility, located at 251 North Service Rd. W., boasts a 5,000 sq. ft. working environment that is considered both functional and aesthetically pleasing. Designed by business professionals, the new layout allows Royal LePage sales representatives to respond to their clients needs as quickly and effiâ€" ciently as possible by utilizing the company‘s stateâ€"ofâ€"theâ€"art equipâ€" ment. "In a relatively short period of time, our branch has risen to one of the top offices in the Oakville area," says Chris. "Much of the credit is due to a sales force that is commitâ€" ted to providing its clients with the highest possible level of service. "Our salespeople work as a team to ensure the desired results are delivered to our customers," explams Chris, "even if it requires going “that extra mile" time and time acain." CHANGING ENVIRONMENT But today‘s changing housing market conditions have presented some unique challenges for real estate representatives. "Real estate in the ©90s is unlike anything we‘ve known in the past," says Chris. "We‘ve had to focus our attention on the new realities. "Information is paramount in the ‘90s," she says. "So, we‘ve adapted to our new environment by giving consumers the factual information Carole‘s MNatural cgpa Specializing in: || Reflexology @ Relaxing 45â€"minute foot massage * Relieves stress tension * Improves circulation * Relaxes and rejuvenates the body * $25 per session/45â€"min. Alexandria Body Sugaring® to remove hair the natural chemical free way. * Manicures * Polarity Christmas Gift Certificates available. 467 Speers Road, Oakville Located in Ferrone Fltness Centre Located in Ferrone Fitness Centre 467 Speers Rd. 338â€"9973 Full body massage with essential oils aids in relaxation alleviates stress j assists in the healing process $40 per session/1 hour i oA Call Julie at Aromatherapy FOR MEN WOMEN Choice presents 5â€"5769 338â€"1663 North News Oakville they want and supporting it with the trends and statistics they need in the shortest amount of time possible. This will allow them to make more informed real estate decisions. "We also understand that each and every one of our clients is an individual with individual wants and needs," says Chris. "That‘s why we‘ve hired an onâ€"staff, dedicated marketing support person to put together aggressive marketing strategies that are specifically taiâ€" lored to meet individual requireâ€" ments. ‘1’th the Christmas season fast approaching, have you given any thought to how you are going to find the time to decorate your office or lobby? Let Weall and Cullen professionals help make your Christmas a merrier one ... guaranteed. We are now offering a totally unique custom design service. We will personally help you select your Barcana Christmas tree, coâ€"ordinating garlands and wreaths. Barcana products are so lifeâ€"like, you have to touch them to know they‘re not real! We can light and trim your tree, custom decorate your garlands and wreaths, help select your ornaments and more. We will make an appointment with you to set up dates and times for your Christmas display and we will work within the budget you give us. Weall Cullen also offers a wide selection of personal or client gifts: Flowers for all occasions A special corporate price for Poinsettias * 4 QComplete FTD Service Fresh Silk and Dried Arrangements K Fruit and Gift Baskets gg Tropical and Flowering plants Previous Weall Cullen clients include: ,\| Ontario Hydro ,| Marathon Realty ,| Confederation Life ,| C.N. Tower ,| Royal York Hotel ,| Nissan Canada Plus hundreds more companies, ranging from small businesses to large corporations. To find out more information about our custom Christmas Design Service phone 1â€"800â€"363â€"DESIGN (363â€"3374) or the Oakville Store at 338â€"0338 Sherry Chris There‘s no place like Weall Cullen for all your Christmas decorations! "The move to hire an expert in this field further ensures a quick sale at the best possible price. This is especially beneficial to the large number of corporate relocation clients with whom we work on an onâ€"going basis." PROVEN PROFESSIONAL In a five year period, the North Service Road office has made great inroads in the Oakville market. All this can be attributed to the guidâ€" ance and leadership of a proven professional. With close to 15 years of experience as a manager/broker, Chris brings to her position as branch manager unparalleled leadâ€" ership skills and market knowledge. The secret to her success is the manner in which she runs her office. Chris encourages individualâ€" ism and natures its grown within the workplace. She instills in her people a burning desire to succeed. As a direct result, the North Service Road office is home to a large numâ€" ber of top producers. Chris‘ office is one of four servâ€" ing the needs of residents in Oakville and the surrounding areas. Royal LePage has been active in the Oakville real estate market since 1953. C Cara ’W New federal regulations for RRIF‘s, payment taxes I am 70 years old and I am conâ€" sidering transferring my RRSP to a RRIF, but I understand that there has been changes in the legâ€" islation. Can you advise me on what the changes are, and how they effect me? In a recent budget, the federal government dramatically altered the rules governing RRIFs, a taxâ€"shelâ€" tered plan that provides periodic payments to the investor for the remainder of their life. Under the old rules, the RRIFâ€" owner‘s minimum payment formula was guided by a fractional system wherein payments were made in gradually increasing increments over 20 years. If you opened a RRIF at age 71, what you would receive the first year would be a payout of 1/20th of the value of the plan, the second 1/19, and so on until the age of 90 when the remainâ€" der of the plan would be redeemed. With changes in the budget, however, the RRIF may now last for the duration of the RRIFâ€"owner‘s lifetime. Now the payments will increase gradually until the age of 94 when the minimum payment of 20% will continue for the remainder of the investors life. J.T. Oakville If you have a question about finances, write to Andy Blanchard, Manager, Financial Concept Securities, 22 Lakeshore Rd. W., Oakville, M2K 1C5. Names will be kept confidential. The new schedule will have increased payments for people under 78. This may reduce the capiâ€" tal within the RRIF, causing the total amount of income over the life of the plan to decrease and raising the amount of taxable income. Give all the hope you can. Please be generous during the Peanut Campaign. THE KIDNEY FOUNDATION OF CANADA