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EVENTUALLY, WE ALL WORRY ABOUT But what really causes the stress? ">°=/~~.~ RE |IREMENT actually need. And how to pull it ~K together or catch up if you got a late start. Retirement planning is like budgeting for a 30â€"year adventure. You need to predict a few costs and make a few choices. You need commissionâ€"free advice to figure it out. And you need a committed investment expert to coach you along. Replace worry with confidence, trade in questions for answers. Everyone is welcome to a retirement without fear. Kitchener 519â€"570â€"9955 1170 Fischer Hallman Rd 008 RETIREMENT. Waterloo 55 Northfield Dr E 519â€"744â€"1031 "There is a relationship between the number of people in the community as we grow and the number of service calls that we get," said Galloway. (‘o‘lllvna te 'Sle(:lg â€"Tom Galloway Sirickiand said Waterloo regional councillor he was particularly pleased that the level of services was kept in areas such as child care. In the past there was concern over how to support those important programs when other levels of government bowed out of potential funding partnerships. "I think the budget is a good one," said Strickland. "I think regional council and regional staff had a good hand in crafting and finalizing a budget that struck a balance between the needs of the community for services as well as the need of the community to keep any tax increase to a minimum." Strickland, who started his career at the schoolâ€"board level, said he‘s watched over the past decade as more and more responsibilities got shifted to the municâ€" ipalities. He feels that trend is finally changing. "There‘s been a paradigm shift," said Strickland. "For many years the fiscal environment was such that programs were being downloaded on to the municipal tax base. "It was refreshing to see some money come back from the province to help offset some of our expenditures particuâ€" larly in transit, child care and in ambuâ€" lance services. It had a positive impact on our budget and assisted in keeping that tax rate to a minimum." Waterloo Coun. Jane Mitchell said that the region was also able to expand the budget in some important areas including more support for homelessâ€" ness initiatives and affordable housing, as well as expansion of the green bin program. â€" "The community outreach program was enhanced and will help areas like Sunnydale Place," said Mitchell. "We don‘t think of it but there are some poor areas in Waterloo, and hopefully we can offer them some community outreach." The region will also look into funding for projects like Supportive Housing of Waterloo, which hopes to provide transiâ€" tional housing in the city to get people off the streets. "We have some initiatives for social housing and hopefully we‘ll be able to get some funding for the initiative (SHOW) in Waterloo," said Mitchell. "I think we struck a good balance while keeping the tax increase down." Mercedes Benz Dealer Authorized Meticulous Restoration Original Paint Finishes Unsurpassed Collision Repair 15 Centennial Dr. Kitchener 519â€"578â€"2052 Specializing In MW PORSCHE JA FINE AUTOMOBILE BODY AND PAINT Mkith "The cuts were made in staffing and not in the program areas where people would see the difference." JAGUAR_