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There aren‘t many youngâ€" sters, or parents for that matter, who can‘t readily identify three of the four people in this photo. They‘re Sharon, Lois and Bram and they were at Smith Kids Books last weekend to promote their new holiday recording ‘Candles, Snow Mistletoe‘. That store manâ€" ager Susan Manchinton getting in the spirit of things SEE OUR FACTORY DIRECT SHOWROOM (Photo by Riziero Vertolli) * relaxing atmosphere * 12 exciting displays to view * professional designers * Fully assembled cabinetry * fully installed packages * factory direct pricing ALL COMPLETE WITH 5 YR. WARRANTY DUNDAS ST. E. "KITCHENS FOR LIFE" uf ppovl DR. GREGORY BORLAND AND DR. JIM SHEARER THE TRAFALGAR VILLAGE DENTAL GROUP 125 CROSS AVE. A comprehensive initial diagnostic visit to let you understand your present dental health .. EXAMINATION WITH LEARNING 1he treatment plan timetable, with options, that is under your control .. LISTENING TO NEEDS Conservative dental care completed in the most comfortable setting CREATING HEALTHY SMILES Preventive cleaning schedules with your homecare geared to your own particular requirements ... A TAILORED HYGIENE SERVICE k %%%%%%%%%*% 4150 SOUTH SERVICE RD. (between Walkers Appleby Line) 634â€"6371 844â€"0872 panticiracrion BP â€"eary 0L, oDD [flflll industry for over 30 years. Many ribbons have been awarded for their prize winning wines which they want to share with you." "Wineâ€"time has been serving the wine Make your own for under $35.00! Ongoing frequent buyer‘s card: Buy 9, get 10th FREE â€" PLUS until Nov. 20, â€" $3â€"$5 off! Instore specials! "ULTRA" â€" EVEN MORE CONCENTRATE THAN EVER BEFORE! Dollar cost averaging can lower investment costs In today‘s unsettled market environment, many people are tryâ€" ing to formulate a sound savings strategy. The key rules of successâ€" ful investing are to "pay yourself first" and to have a longâ€"term perâ€" spective and investment objective. The secret to reserving money for your future is to view savings as an expense. This means that you must put aside a preâ€"determined amount of money each month to pay yourself, just as you pay your rent, your loans and your bills. A sensible approach recomâ€" mended by Financial Advisors that facilitates saving is to dollar cost average on a monthly basis. The expression "dollar cost averâ€" aging" may seem intimidating, but the concept is actually very simâ€" ple. You must invest a fixed amount of money in an investment at regular intervals, preferably over a long period of time. By adhering to this strategy, you actuâ€" ally lower the weighed average cost of the investment, which may translate into higher profits for you. The principle of dollar cost averaging is quite easy to underâ€" stand. Because market prices flucâ€" tuate, individuals who invest spoâ€" radically may find the value of their investment either rises, falls or stagnates over a period of time. By investing regularly, market volatility is substantially reduced. You buy more units when the price is low, and fewer units when the price is high. Talk to your Financial Advisor today about the benefits to you and your retirement portfolio, and ask how a Preâ€"Authorized Chequing Plan can facilitate dollar cost averaging. With this service, a preâ€"determined amount of money is automatically transferred from your chequing plan at a bank or trust company to your investâ€" ment account on a monthly, quarâ€" terly, semiâ€"annual or annual basis. This article is sponsored by the Oakville office of Midland Walwyn, call 844â€"CHIP. Lloyd D. Ferguson Mr. Paul Ostrander, Senior Vice President of the Ontario Division of St. Lawrence Cement, is pleased to announce the appointment of Lloyd D. Ferguson to the position of General Manager of Dufferin Construction Company, based in Oakville. Formerly Marager of Marketing and Operations at Dufferin Construction, Mr. Ferguson: has been with the Company for 19 years. A graduate of Mohawk College in Industrial Management Technology, Mr. Ferguson has also completed the C.1.M. Program at McMaster University, in Hamilton. He is past president of the Hamilton Construction Association. Dufferin Construction is a subsidiary of St. Lawrence Cement, the largest cement manufacturer in Eastern Canada and a leading cement manufacturer in the Northeastern and Midâ€"Atlantic United States. Dufferin Construction is a heavy civil engineering contractor specializing in highway and bridge construction, airports, subdivision servicing, municipal infrastructure and commercial and industrial site works.