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& EXPERmENCE _ _ _ mmmnm * of HANDEL‘S MESSIAH... CELEBRATE THE FREEDOM ChH®IST sRiNCS, CLOBALLY AND PERSONALLY. WHEN: December 6 & 7 at 7:30p.m. ‘uor Avenue, Kitchener. Pfi-“:n ergus 3 . (519894â€"8900 _PREE WLL OFFrERING onty: 16 Lo orstuas mees "FREEDOM COME" mâ€"jmwm EB7 ‘Mj_.-_'!flm $50 Parkside Dr, #A8 Waterioo, N2L 5Â¥4 Tel 725â€"0411 Fax 725â€"0537 + Pheisg... o _ o en‘ /A CA« _ nmuugsn _‘ + Christmas Craft Saie L B s "Hees & .fi.-‘ M on Lan w n U * Superior tree stand maee . bes *A e [ W, S Eptasoal Te: 747â€"0231 Fax: 747â€"2958 ”--“lh"-. FREE hot apple cider, erange drink & cookies / ay d o mngy <az0l & Season Grauo Orenme * Now Open Daily 9 a m. to 9 p.m. « _ Fresh Cut or Uâ€"Cut _ Christmas Trees BENJAMIN TREE FARM por onsnus mees 1 would recommend the installation of a l""‘fl‘flhfl-fiflflpfifi. wm.Am&*.*h leve! is also very important to draw the cold ar off the floor and properiyâ€"circulate the air. y Pmd ssacccil d is difficult to repair. The moisture will never fully dry out and will create 2 musty smeil The cost of it is another factor. Many basements are subject to water probâ€" lems. If you have water problems, it is very | would not recommend using s plywood subflcor and insulation. It be marginally "Mhllhmmm:hu-q-. | am considering finishing my basement this winter. Should | put 2 plywood subficor and Mbmmmmhwnufi. floor will be warmer? a h--lhâ€"-,n-“-....â€"'. F4 an agent unless: f (Un--u“t-‘l-hâ€"l... sbout marketing your property; (2) you feei comfortable working with the sgent (*~~:m’~k a (3) you only sign s leting for s 60â€"90 period. the agent does not perform, you can relist with a‘_~" n-h‘.-‘gâ€" Ph ln*yâ€"‘-‘...,--'l..‘,‘. u“*. -â€"l;â€"-b--‘fiâ€"d*;- m differences. Try snd work out any problems. Failing this, I recommend that you meet with the sgent and "'â€"l'-:t-umhu--yu. rclease you your listing contract or make sugâ€" geations 1s to how to overcome your differences. A 258 S N. w-m--oq-'d-b-h* klh’)lfl 'l-hn-fl-fi.u-\‘..,-_ .-.â€"fiu/..“.h-‘. house) Real Estate Expert The moisture will never CARS & TRUCKS $50 Partside Dr., Suite C1 Waterloo, N2L SV4 Te: 746â€"1900 Fax: 746â€"6443 Timothy J. Johnson We‘ll pay up to Wreatha! Open daly. Saws: ) Mfi?fijfl%& s yc " smm > A~f es elioas i. J the joan within a year. Remember that the »Wâ€"eeamecs lender may require you to invest in its funds 25 Bruce Street Cunless you have a line of credit, which allows Kitchener, N2H 6KS8 you to , no questions asked‘), Tel: 5 "MSeD C260 one increase RJF mtkmbcundelz:::a You can set When can one increase RIF In a few cases waiting until 2 week or so before departure might cut your cost, but »mailability and choice will be limited. Ouf advice: find a qualified travel consultant that you can trust and plan ahead! Call our office for complete service and value. Do you save money by booking s flight in ‘ advance or by going last minute? l 4 purchasing airline tick» a:l;llz”inm’;‘:ham- ‘Hi* tions do spply like minimum/maximum stay e on and availability of seats. s ’a On package tours and cruises planning shead T Meo is paramount. Many tour operators offer Sandi "carly booking bonuses" that greatly reduce Martindale kudywlofityu-d-adfin; h Fimen Directwe value like free upgrades. | /. Honest, dependabie, seeurdie: 124________________ mm t eeman 1 ests nhen‘ kn quarantoed. No experience new [Piok maai "~"sawmne eecssseceese0s e orsnus mees Travel Expert sanxdadbiit?is i8 in a COMDAMN 100008 indanandsas Mmumâ€".‘: Eam up to $4650+/waek. For apâ€" mu-lmun M)L&Vnpu m' :;:'Tum. Ontario, May 156 Northficld Dr. »adoses Fiwe Td: From only $25! Pusuicarion Dare: Wep. Dec. 18 ~651â€"239 xt 217 on _ mnon Biacker ar : 651â€"239 ext. 217 on FAX 651â€"2358 Por w EoT epRTT TUP i!h-?llfinun. haven‘t asrcady done so, -fl«:n-u-mwm stand the changes. §9 is designed to bung subility to the cost of insurance in Ontan.. \, reduce fraud (which adds cost to the wyuc), -‘-r&n--uufim‘ uim which is good news to the consumer In what way has my sutomobile poliy «> -dfl~| ‘7 policy changed ‘“bfi"- 1996, Ontaro has stope s new system of sutomobilc ¢ whuck bb-..uhâ€"-&h-::::ku, Stabilisy Act, 1996, or Bill 59. One of the major benefits of this now ww« m s in giving the contsumer more choiccs in ;::chas ing the required insurance under the Ac. .: Benefits section of the policy. rather tha». .. ... Sesy it and healthy. Rementher, anesde is on importan: Rdying o0 the sctle to determine w« -n-‘:-'-au,..,..,...,,:"; woy so got Try taking yous gitth messurcrens ;“â€"-â€"â€"--â€"â€"--um musce m m es nt, in thhag w t 020 q0 TOH V.00000 may sot se fose ... in feet, 3 seem so gain! RELY: ‘*** participunts experience s umall incres« ‘?.?z‘_z:_“-;&'r..::':. Nee vhet when Bs w ts stt fve se e ie tecs At Wl Increme your meubo musdes, incresse bone densaty and promone fat lows. Ban best o( s41, you‘l fed under the Ac. sdent 7, rather than sutoâ€" benefits privided 10 the changes were for. !h a separate madâ€" I-u;u;:, or sclert ag ram Thisk M- (fax 74 For will