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EM ze hria hy se 0 300 00 c o io o ie ie Reverae eenenenetemeeneeeemeneten es ~E. ~ o:.: zz --oâ€"....:-q _ -_.. ho aanghti® ar on ”"MW‘WMMW‘”M w ty a *I kept reading about the advantages of the ‘"""L“: Internet | wanted to get my feet wet and get *aCts om involved with the system, so I put lessons on how to write a conâ€" Drew1tz now does business on the Internet â€" allowing clients to hire him on a lower, perâ€"page basis, $35 per page for review of a draft or $70 per page for preparation of origâ€" inal documents, an attractive and simple alternative for anyone looking for legal assisâ€" tance Drewitz, a lawyer for a local collection agency, said many business bankruptcies occur as a result of disputes arising from poorly wntten business contracts. Drew1tz said one of the reasons many small businesses avoid written or use inadequate contracts is because of the expense invoived in hiring a lawyer to draft or proofread conâ€" tracts, which can range from $125 to $190 an hour. Drewitz has come up with a less expenâ€" sive. but he says just as effective, way of havâ€" ing contracts drafted or edited. Peter Cudhea tract on the Internet," said Drewitz. o | * Chronicle Staff He added that with today‘s elaborate communication methods, Mmmuwmnymyam Waterioo business lawyer Charles Drewitz has a few words of . . means such as eâ€"mail, or through fax and can be sent right to his advice for anyone entering into a business j office. . venture â€" get everything in writing. â€" As well. taking information from his con: Spending on clothing and transportation also drops after retirement. Oftentimes, shelter expenditures are reduced by moving from a bigger home to an apartment or condo. On the other hand, spending on travel may increase and a second home, either for the summer or winter, may be an option that u-daohhcmlyufiadopflor.\\fltndcmidpa- son/couple is living at that home away from home, the result is no spending within the local community. Probably the necessity expenditures are affected most in this scenario as Thnmwminw&hdfidwmcdspmdigml recall talking to my auto mechanic about a cut in income and his comment was "when the third car needs repair, they let it mmdu&ivm:ym}ndmfixudfldldtimmeps down more, they let the second car run until it stops too. * The auto mechanic experiences a drop in income as a conâ€" ones saving money. This combination of lower cash in and even less cash out means less spending within the region. If we suppose that each family repreâ€" sented by the early retirement spends $10,000 less per year on goods and services (they will also spend less in federal and provincial taxes too), the impact of that times 340, for instance, is easy to calculate. For the individual, there will be a cut in takeâ€" home pay. However, from what is known from the bannual consumer expenditure surveys, those who are retired also consume signifiâ€" cantly less than those who are working, In fact, in the 1990 survey, retired people were the only With the announcement that the University of Waterloo is going to have 340 retirements this year, the Waterloo Region Public School Board will have significant numbers retiring and it can be predicted that the municipal and other quasiâ€"public bodies will cope with provincial cutbacks through early retirement packages, there is some immediate question for businesses in the h" region as to what the impact might be. Entire community affected by early retirements Lawyer Charles Drewitz offers a howâ€"toâ€"guide to preparing conâ€" tracts on the Internet. food.l’nlthcatcmdpmomlmcxpcnditurcs(imrm. barber, etc.) occur in the other location and local expenditures are cut an even greater amount. At one point in my career, 1 served on a subâ€"committee of the Ontario Health Council looking into the financing of the provincial health care scheme ] as people aged. It was extremely clear from data ‘m that the committee had that many Ontarians would opt to spend a number of years until A abwugfli«mhthcsouthmd&nulhou years, tax collections for health care would be p substantially lower. But once ill health started, * and that was often after age 75â€"80, they would PsP * come back to Ontario because of the province‘s j health care system. I know this has been true of my own parents who are spending their first & winter in Ontario in 14 years, since my father lndhisfirsthanauckmFdxuyl”Slagc 83 while in Florida. (After that first heart attack he has had a stroke and four other heart attacks but is now up and around a bit, getting to the od event like church and concerts.) For the retiree, there is always the calculation that one unhsnswiwwwammrnl}zirimonmnpwlup paccwilhinfiamSonnanploymmdnhnbwbc wid\dnwnfromlhcpmsion,phnsobngsd!ymha bcked-hllfiUFotRl&Blf&kanfloyalfizpmrmlhion adjasunmsd\:morlnsbeenkmmbupoorhm (in the case af moneyâ€"purchase pensions), such a withdrawal ndamm.flmm,nfdzeqbyu&paflonm :pshwcomhmnlyompdomdtlnmkaaildzpm sionislgmu&dpmsbnwihflhfiadmdjm, Mbfloflfiwnlylssnecdwwihdm\vdnfmxkforpa- sonal investment. nnd:mnbadmmmhmaiymh both individual and for the community are significant. Mbnodmblda“huhoflb‘efladswild!ifii-, Mmh«mm&haymw As well, taking information from his con: tract seminars, he has published a virtual *howâ€"toâ€"guide" for businesses looking to draw up contracts themselves. This feature, in addition to his drafting and editing serâ€" vices, makes his site one of the most complete contract resources on the Internet. j ~ "Time is money for those who own busiâ€" nesses. A oneâ€"hour meeting with a lawyer can take two to three hours out of a working day, when you include travel back and forth to the ]“ Dimmd 2 ;;w'.lnl.wj,(; P 3 | Must be 65 year ,,'»a&_"""’*ll T im > P gacs 4 Only a $4.95 session toe per advertised payable when port nu.mflflnwd%pw' one advertised collection per subject. You approve backgrouncs %mmnfl““mflmhm‘ vait collection with no obligation to purchase. Portrall sizes approxim: Ne Cherge For Additional Subjects! {Limit 2 per customer 116" Reg. mc m t t t n w n m n me m This area Kmart has a permanent studi (WATERLOO) LmiTed " Only A $4. open 5 days Tues. â€" Sat. 10 a.m. â€" 7 p.m. AY ericns _ {will be looking at ev _ ccivable way to reduc .. Ing this year, and th : their job won‘t be an The 1996 BiA _ . secently approved by City Council, is what| e er im * lighted by areduced tration salary, from $4 and ‘Buskers. Las $59,103 was allorted motions in an overall b $183,.950. A $4,000 in the $12,000 Jazzin‘ it tion and $3,000 increa $21,000 Christmas/W Winter budget along $3,500 cost for the BL budget includes $71,700 for pro MGM Real Clothing i loo Town Square. This past year the forced to dip into it funds ‘by an am $8,297.48 and it‘s _fihfin-yhlvcwj time to the tune of leaving the > BIA $21,737.16 balance of ~ This year‘s overall $ $64.99448 to $55.9X "There are no free n year, We‘re trying w much as we can for $36, 940, and a to tions and advertis