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B6 THE OAKVILLE BEAVER Wednesday March 8, 2000 Business Advertising students take top honours For the second year in a row, a team o f students from S h erid a n C o lle g e s A dvertising P rogram (School o f Business) have finished first in the A dvertising Educators A sso c ia tio n of C a n a d a 's p ro v in cial com petition. T his event, the only one o f its kind in C anada, is adjudicated by a panel o f industry professionals. Eight colleges com peted in the contest. S h erid an 's w inning team com prised the follow ing stu den ts: K ris A nderson, G ail D hruv, D erek S chefold, R achael C o rb eil, S tephanie C h em eln y tzki, Jessica N agy, and M ike M arcy. VALENTINE'S DAY WINNERS The Certified G eneral A ccou ntants A ssociation o f Ontario have produced an online version o f Personal Tax Planning www.ega-ontario.org T he cyber version o f the A ssociation's guide features m ain subject areas and a detailed index for finding specific topics. T he publication also includes a series o f `at-a-glance' tax tips to help C anadians keep m ore o f the m oney they earn from year to year. Tax tables and m ajor incom e tax changes for 1999 round out the inform ative guide. Free hard copies o f Personal Tax Planning also are avail able throughout O ntario at Staples Business D epot outlets and participating public libraries. ANNOUNCEMENT T h e Trafalgar V illage M erchants A ssociation held a draw on V alentine's D ay for tw o gift baskets con taining products and services from m all m erchants. D onna Lanning (above left) w as the w in n er o f the $350 prize, w hile Shirley Bigford (above right) w on the $800 basket. Both w om en live in O ak ville and are regular patrons o f the m all. Alliance brings healthcare under one roof " O n e-stop sh o p p in g fo r all o f y o u r n on m edical n eeds" . T hat, in a nutshell, is how Dr. A rn o ld R o p er and his p artn er Dr. Brian H u g g in s lik e to d e s c rib e th e ir m odern, m u lti-d iscip lin ary clinic. A llia n c e H e a lth c a re P ro fe ssio n a ls, lo c a te d in sp a c io u s q u a rte rs on S outh S erv ice R oad (behind H olid ay Inn), takes an all-en co m p assin g app ro ach to p atien t care. T h at in clu d es ch iro p rac tic services, phy sio therapy, acup u n ctu re, ath letic therapy, m as sage therapy, accid en t reh a b ilita tio n , nutri tion and w eight m anagem ent, electro ly sis and ch iro p ody (fo o t care). "We p rid e o urselves on p ro v id in g quality care, w ith an em ph asis on m aintaining w ell ness," says R o p er w ho has been a ch iro p racto r in O ak v ille fo r ov er 30 years. A fter team in g up w ith H uggins (also a ch iro p racto r) tw o years ago, the tw o have grad u ally add ed to th eir m ulti-d iscip lin ary team , try ing to m ake it as easy as possible for clien ts to access a w ide variety o f ser vices in one location. T h at m eans you co u ld have p h y sio th era py for a sore shoulder, have a custom orthotic m ade to treat y o u r sore heel, and have unw anted hair rem oved from your upper lip w ithout ev er leaving the building. " P eople are concentrating m ore now on the quality o f life," says H uggins. "T h ey 're getting older, and they w ant to know how to look after them selves and prev en t illn ess." Som etim es that sim ply m eans getting an opinion, according to Roper, w ho stresses that there is never any charge for a co n su lta tion at the clinic. "W e w ant to m ake it easy for people to get an opinion about m inor things before they becom e m ajor," he adds. H uggins uses his ow n field o f ch iro p rac tic as an exam ple. B asically, there are tw o approaches, he explains. O ne is to treat injury (such as w hiplash and oth er traum a) and one is to prom ote or m aintain w ellness. T he latter case, for instance, m ight m ean checking for any m isalignm ent o f the spine and correcting it before it becom es a m ajor or chronic back problem . H uggins says it's often a m atter o f raising aw areness o f how lifesty le ch an g es can avert problem s dow n the road. H e cites the increasing num ber o f ad olescents and teens w ho are potentially courting back problem s by carrying huge am ounts o f u n balanced w eight in th eir backpacks. "It's alw ays frustrating to have to tell som eone w e should have been concentrating on a problem five or ten years ag o ," he notes. O ne o f the special d iagnostic services offered by A lliance H ealthcare P rofessionals is called surface electrom yography (SE M G ), a device w hich m easures the am ount o f elec trical activity your m uscles release w hen they are contracting, o r tense. M uscles have a tendency to "b race" or tense in resp o n se to spinal m isalignm ents, and SEM G is helpful in determ ining if your body is tensing in an abnorm al manner. If so, chiropractic adjustm ents can be done to co rrect the problem before it has a significant im pact on the c lie n t's health. "Im proving the quality o f life and ed u cat ing people is our focus," stresses Roper. G le n O aks M e m o ria l G a rd e n s th a t P e te r M a rin o , is p le a s e d a lo n g to announce ti m e O a k v ille r e s id e n t a n d e n t e r ta i n e r , h a s j o i n e d o u r sales sta ff. A lo n g w i t h A n n a R u f f o lo , P e te r is eager to se rv e O a k v ille and s u rro u n d in g c o m m u n iti e s . Y o u m a y r e a c h P e te r a t, (905) 257-1100 ext. 234 Foreign content rules for RRSPs still inadequate T he whole foreign content limit on RRSPs is still misguided, flawed and should be eliminated alto gether. T h e c o m m e n t is m a d e d e s p ite th e * KITCHENS» BEDROOMS * BATHROOMS * W AIL UNITS in c re a se in fo re ig n c o n te n t a n n o u n c e d in Custom Designs, Custom Finishes, Top Quality Cabinetry, th e fe d e ra l b u d g e t. T h e fo re ig n c o n te n t o n Competitively Priced, Free In-Home Service, Lifetime Warranty Dollars & Sense R R S P s a n d R R IF s h a s in c re a s e d fro m Peter Watson, MBA, CFP, RFP is the president 2 0 % to 2 5 % th is y e a r a n d w ill g o u p to e d lim it, w e d o h a v e a fo re ig n c o n te n t 4 1 5 0 South Service Rd. of Peter Watson Investments -- an Oakville firm 3 0 % fo r 2001 a n d b e y o n d . Burlington p e n a lty th a t h as to b e tra c k e d a n d th a t is specializing in retirement planning, RRSPs, and T h e a d v a n ta g e s o f in v e stin g g lo b a lly c o m p lic a te d fo r in v e sto rs, th e ir ad v iso rs, investment planning. Call 842-2100. h a v e b e e n k n o w n fo r so m e tim e . Y ou ca n an d th e in v e stm e n t firm s to ad m in ister. p o te n tia lly in c r e a s e y o u r in v e s tm e n t F o re ig n c o n te n t c a lc u la tio n s are b ased re tu rn s w h ile lo w e rin g risk . o n " b o o k v a lu e " n o t ju s t th e e a sy -to -fo lI f th e s e b u d g e t c h a n g e s w e re im p le lo w " m a rk e t v a lu e ." A n e x a m p le o f b o o k m e n te d fiv e y e a rs a g o , th e fin a n c ia l c o m v a lu e fo r a m u tu a l fu n d is th e o rig in a l co st m u n ity m ig h t h a v e g iv e n its b le ssin g . o f th e in v e stm e n t p lu s an y d istrib u tio n s H o w e v e r, tim e s h a v e c h a n g e d . re c e iv e d o n th a t in v e stm e n t. A n y o n e w h o w a n te d m o r e fo re ig n F o re ig n c o n te n t lim its are m o n ito re d in v e s tm e n ts in th e ir R R S P a c c o u n t has m o n th ly b y th e tru ste e o f th e p la n a n d a m a d e u s e o f th e e x tre m e ly p o p u la r s e c o n d 1 % p e n a lty is c h a rg e d m o n th ly o n an y fo r g e n e ra tio n o f 100% R R S P e lig ib le fu n d s e ig n c o n te n t in e x c e s s o f th e lim it. T h a t th a t w e re in tro d u c e d la st year. T h e p ro b p e n a lty h a s to b e p aid b y th e in v esto r, c o l lem w ith th e s e "c lo n e " fu n d s is th a t they le c te d b y th e in v e s tm e n t firm , a n d u s u a lly h a v e a h ig h e r m a n a g e m e n t e x p la in e d to th e c lie n t by th e ir fin an c ial e x p e n se ra tio th a n th e u n d e rly in g fo re ig n ad v iso r. fu n d s th a t th e y are b a s e d o n , d u e to th e T o m e , th is se e m s w ro n g . It is a w aste c o m p lic a te d a d m in is tra tio n th a t is n e c e s o f tim e , e ffo rt a n d m oney. sary. E v e n c o n s id e rin g th e "to o little to o A s a re su lt, C a n a d ia n s w h o p u t m o r e th a n 2 5 % in fo re ig n in v e s tm e n ts p a y m o re to in v e st fo r th e ir re tire IN T E R N A T IO N A L m e n t th a n th e y s h o u ld . The e x tra c o s t d o e s n o t e v e n g o to th e g o v ern m e n t, b u t to a Dr. Arnold Roper & Dr. Brian Huggins with some o f the Alliance Healthcare Professionals f in a n c ia l in s t i tu tio n th a t c o n & CO N FER EN C E CENTRE v erts a fo re ig n in v e stm e n t in to a C a n a d ia n o n e The slightest impact may cause whiplash which can take to c o m p ly w ith weeks or months before it is felt. g o v ern m e n t re stric tio n s. S o , e f fe c tiv e Motor vehicle accident cases are billed directly to Upon your arrival at our newly renovated hotel, you'll not only see the difference, hut you' ll feel it. ly, w e d o n o t Whether with a group or on your own, our thoughtful and friendly service will ensure your stay is pleasurable. Insurance Companies h a v e a fo re ig n · 430 Luxuriously appointed guestrooms & suites · 60,000 sq. ft. of Convention, c o n te n t lim it o n Banquet & M eeting space · 3 Restaurants, 1 Lounge & 2 Night Clubs · Business Centre Services include · Chiropractic * Physiotherapy · Acupuncture · State o f the A rt Fitness Centre · Airport Shuttle R R S P s, ju s t an · Athletic Therapy · Active Rehab · Electrolysis · M assage Therapy e x tra c o s t to g et In-room standards include: The Plaza Club features: · Nutrition · W eight M anagem ent th e d e s ir e d · C offee M akers · Upgraded amenities & services · Iron & Ironing Board · Free local calls & 1-800 access a m o u n t o f fo r Call today for y o u r courtesy consultation. · Hair Dryer · High speed internet access e ig n in v e s t· D ata Ports · Benefits & sen/ices o f the m e n t s . · In-room Movies Plaza Club lounge H o w e v e r, if y o u 655 D ixon Rd., Toronto, O n ta rio , Canada Tel: (416) 244-1711 · Fax: (416) 244-8031 e x c e e d th e stat1-800-668-3656 · reserveeinternationalplaza.com · Direct Sales Tel: (416) 246-7900 Fax: (416) 244-9584 PETER WATSON late" n a tu re o f th e in c re a se , th e R R S P fo r e ig n c o n te n t c h a n g e s are p o sitiv e . T o g iv e c re d it w h e re it is d u e, th e fe d e ra l g o v e rn m e n t d e s e rv e s f a ir m a rk s fo r th e ch a n g e s . F ro m a la rg e r p e rsp e c tiv e , th e w h o le R R S P fo re ig n c o n te n t issu e is fu n d a m e n ta lly w ro n g an d o n th a t b asis, ra te s a fa il ing g rad e. 632-0029 mqge abinet oncepts Oakville's Largest Multi Disciplinary Whiplash Treatment Facility Wellness Centre Brand ce. Same Great Place. HOTEL It is im p o rtan t to have an assessm ent after any M o to r V ehicle A ccid en t More than a Hotel There are no o u t o f po cket expenses 845-2291 2 3 2 South Service Road £., Oakville