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Pagé 10 ~Haltoh Hills This Week; Wednesday; November 24, 1998- Taking: cage of Allstate << ° LIFE, AUTO, HOME, RRSP A. d DAVID R. WALSH “astes 232A Guelph St., Suite 204 873-164 Toll Free 1-800-387-9 a egy =e s New location | ANAT Along with a new location comes a new Sears Agent, Joan Wilfong (right) pictured abo 7 F; and a new Store Manager, Sandra Kerver, on the (left). Cy Hammond, centre, lends A family affair able hand with moving heavy appliances, now available at Sears’ new location oppos TWG Travel located in downtown Georgetown at 48 Main St. S. Sally Rutenberg (cen- _Z¢llers in the Georgetown Marketplace Mall. tre) has owned and operated this Agency for the Past nine years, Daughters Linda (left), Sandra (right) and grandson Michael make this a family-run business, providing dedi- Allstate introduces new customer service cated service for those with travel needs. You may reach them at 877-2252 for travel ser- photo by Jen Valois/HHT vice or drop by at which time you may also browse at the various accessories available in the Travel Boutique. Joanne Richardson -Hatcher and her committee are having a food drive in support of the Love In Christ Food Bank from Nov. 15th to 30th. All donations may be dropped off at McDonalds, Georgetown. Bed Frame (39-54) Limit 2 Per Customer.. Single Mattress Spring Construction ... SINGLE SET :.;.5:.0.: Queen Mattress . Queen Set.. Orthopedic Twin Mattress Set Double Set (25 Year Warranty) ...2° be Sealy Double Set Orthopedic (Limit 2 Per Custom Sealy Queen Set. Orthopedic King Set (2 Simmons Double Set.. 0 year Warranty) Simmons Beauty Sleep Queen Set. Simmons Beauty Sleep QUEEN ORTHOPEDIC SET.*1499 untryy SMattiéss Sleep Shop HOURS: MON-TUES-WED 10-6, THURS-FRI 10-9, SAT 10-5, SUN 11-4 190 Hwy. #7 West, Unit #58 (Rice Business Centre) Queen Set (pocket coil)... 8419” $129 $149” “199 *199' *259 *299” 5349 = sqgge (S$) MATTRESS € CLEARANCE SALE! 452-9820 Allstate Insurance Company of Canada has reached a new level in-cus- tomer service by offering consumers the ability to buy insurance products at their convenience. Consumers are now able to purchase Accidental Death and Dismemberment insurance policies through Allstate’s Interactive Soft Touch video iosks. The Soft Touch tech- nology allows the consumer access to information at their fingertips and help if they need it later. According to Irene Stoehr, General Manage of Director Marketing for Allstate Life, “interactive video is the direct marketing medium of tomorrow.” The idea of Soft Touch kiosks is not new to Allstate. The insurance company, along with O’Hara Systems Inc., pioneered this technolo- gy with the initial rollout of four kiosks in the spring of 1991. Today, there are 10 kiosks located primarily in Sears Retail and Food City store in the Greater Toronto area. Allstate’s development of this technology was based on studies that proved more and more people are becom- ing informed customers who want choices. For straightfor- ward product needs, they want the option of making the decision to buy, not be sold. Interactive video gives the customer exactly what they want; information when they want it and the opportunity to get more information if they need it from a local Allstate agent. Stoehr notes that, “there is no intention to use interactive video to replace the agent, we.see the agent, with his/her professional knowledge, as the cornerstone of our property, auto and life business.” The Accidental Death and Dismemberment : product available is a'simple and rel tively unrestricted AD& Product offering $100,000 accidental death benefi under the basic plan. / enriched $200,000 AD& benefit is also availabl Single, family, single pare and couple coverage is ava able for both benefit leve Consumers can find tl kiosks in Sears Retail stor at: Yorkdale, Square On Shops on Steeles at 404° a1 Oshawa Centre and in Fos City Stores in: Peterboroug Lansdowne Street; Brampto Connestoga and Bovair Oakville, Oakville Place ar at the Toronto Transit Syste at Davisville and Mot Vehicle Licensing Office ; 286 Bunting road, Unit B, atharines. Allstate Insuranc Company of Canada is.one « Canada’s largest insurers wit more than one million policy holders country-wide. Helpful year-end tax advice By Jim Carmichael Special to HHTW Aside from being able to better budget for Christmas expenses, and the fact that if you want to make any changes to your financial affairs, it is best not to deal with reduced staff during the holidays, there is a third very good reason to conduct a year-end checklist. There may be some good opportu- nities to reduce your taxes if you plan for certain exemp- tions or deductions before Dec: 31. RRSP options: If you reach age 71 during 1993, you must convert your RRSP to an RRIF or an annuity or risk the plan being de-registered and exposed to full taxation. Timing a Move: If you are planning to move to another Province in 1994, you might consider moving before Dec. 31 if. your new province of residence has a lower tax base than Ontario. Your taxes will be based on the province of which you were a resident on Dec. 31. Capital Gains Tax: The lifetime exemption of $100,000 is still available, but we do not know what, if anything, will happen in this regard in the new govern- ment’s budget. After con- sulting with a professional Financial Planner or a Chartered Accountant, you may consider realizing the gain now. Dividend Tax Credit: Check and see if there are ways in which you coul convert some of your inter est income to dividen income and reduce your ta burden. RRSP Purchase: If yor have not already invested i an RRSP, consider doing s as soon as possible rathe: than. joining the crowds it February. The earlier you contribute, the greater th value of your deposits in th future. Medical Expenses: If you expenses exceed 3 per cen of net income or abou $1,600, whichever is less, you can claim certair expenses as a tax deduction for any 12-month period ending in 1993, In some instances, it may be better for the spouse with the lower income to claim this deduction. Jim Carmichael is a Financial Planner with Investors Group. He can be reached at 416-236-2564.