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While many of their Inends were outdoors. enjoying the carefree days of summer, 42 young people from across Ontario came to Waterioo this month to work harder than they ever have Labour of o But theirs was a labour of love. A passion They came to dance, and that they did at the Academy of Dance‘s professional ballet intensive twoâ€"week school, which wrapped up this past weekend. Dance students from as far away as Sault Ste. Marie, Stoney Creek, Toronto, Hamilâ€" ton, London, and Niagara Falls attended the summer dance program to study under some of Canadas finest dance masâ€" ters. The faculty included Anthony Blanco, Gretchen ce l _ ~c wol [ s s i. * es it f &A“’A us < is s d ,:""” F ) JA TT C 5 C3 L Nck If ' &~ Ge e +c C R ' 353 ;z\“: 1/‘ Wik? t 3’ f %’% s 6 &&é sttA s pla ; e t > % ,_-.-,e.A *: WOLLE For details on how you can become a part of this "exclusive" monthly advertorial, please call Saabira or Kim at 886â€"2830. For All Your Paint C Decarating Needs! 1120 Victoria St. N., Kitchener 385 Frederick St Eâ€"mail: t onsen@hotmail.com 576â€"7576 ‘Teresa Onsen Andrew Davis 578â€"7300 Certified Coatings Consultant Q The stain on my deck peels every spring, what should I do? A This can be a common problem with many of todays film forming deck coatings. The key to successful applicaâ€" tion lies in proper surface preparation All wood surfaces must be thoroughly _ sanded with 80 grit sandpaper. This opens the cells of the wood allowing the stain to penetrate deeply and form a tight bond. Using a good quality product and avoiding applying it in the direct sunhight will ensure best results I am a first time home buyer, and 1 have my 5% down payment but the house I would like to buy needs a new furnace and a new roof" What do I do? There are many homes offered for sale that have great potential but are in need of repairs or renâ€" uvations. Prices for these homes are very afford able by first time buyers, but financing the nec essary work has often been difficult CMHC makes it easier by offering a "Purchase Plus Improvements" mortgage. Now you can purchase a home, renovate it the way you like and pay for it all in one mortgage payment at first mortgage rates. All of this can be done by putting down as little as 5% of the "as improved" value. (Purchase price plus the actual cost of improvements} For questions on buying or selling a home, please search the web site: tonsenâ€"realestate vir tualave net _ Real Estate Expert Be For close to 10 hours a day â€" from 8:30 a m. to 6:15 pm â€" the students developed (Continued on page 14} I Dance Master Max Ratevossian works with student Margo Gouley during a class at Academy of Dance. 224 ts Find out why more people and businesses in the Waterloo Region choose Dalion & Associates for their insurance and financial services needs than any other provider Over 25,000 personal and business decision makers can‘t be wrong! Dailton & Associates Inc. Simply the best. #h 187â€"B Highland Rd. E., Tel: 578â€"0505 Certified Financial Planner Bs,MBA,.CFP.CLU Fesonalized Medding Fabels J. Leigh Pryor prinr@packerworks net & Muskoka Crt., Ceoltar 576â€"3085 FREE Kitchener Q How much does one batch of wine make, and how many people will that serve? Why arc RRSP‘S/RRIF‘s Taxed on Death? Before your cstate reaches your benchorancs, part of it may be claimed by Revenue Canada. Regustered investments, whether RRSD‘s or RRIF‘s are afforded mo special tx treatment on death : Unless there is a survrving spouse or qualified dependent, the entie amount including caprtal and carned income is taxâ€" able. If there is a surviving spouse or qualified dependent, rollovers are allowed RRSIs or RRIF‘s can be looked on as "deferred income". Since the original investment or any carned income was nat taxed, any money withdrawn is treated as tavable income The problem anses on dleath because the gevernment asswmes all RRST‘s/RRIE‘s were cashed in the day before steath This is added to the reportable incame on the final tay return The incrcased income may put peor ple inte the highest tay bracket Many people are ming life insurance park by their investments to find the potcrtal tax bill providing a vest eflecticc smcans of proserving their cstate tor ther heiry Wine Making Expert One batch of wine will make 23 litres, or 30 x 750 mis. or 60 x 375 mls. Factor in 2 x 5 oz. drinks per person at a sit down dinner. One of the 750 mi bottles will give 5 x Soz. servings. If you decide to do a 375 ml bottle as favours, you will get 60 bottles of favours. Financial Expert When it‘s Waterloo you want, it‘s Waterloo we‘ve got. Exqunte 1 carat $ Diamond Cluster Ring Compare at $ 2,600.00 Half carat $ Tennis braceiet e 500 150 With leatber band $2,300.00 §$499.00 24( $799.00 390 §1 Pendants & Earrings Compare at $160.00 886â€"2830 WATERLOO