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cv weekender january 1 1994 p29 look for limited partnerships with room to grow in recent years one of the favorite yearend tax savings practises was to load up on tax shelters or limited partnerships as they are often called some were great many were absolute disasters usually because investors raced in at the last minute scrambling to get whatever was leftover its no different this year except that theres more demand because of our higher tax rates however the selec tion of product if you choose the right one offers a better chance for profits as the econo my is beginning to improve how do you pick an lp well the first thing is to never deal directly with the developer or promoter its better to deal with an intermediary like an indepen dent financial planner they sort through hundreds of these your money brian costello offerings if and it sometimes is a big if they do proper due diligence they should settle on a couple of good ones each year ask to see that they have done substantial due diligence and not just received a corporate finance fee plus commissions what sectors of the economy are best well lps used to zero in on real estate but i think real estate deals especial ly in ontario are still suspect mutual fund lps though have proven to be a fantastic source of tax relief and tax deferral they raise millions of dollars to pay commissions to salespeople so mutual fund purchasers dont have to in turn thelp purchasers get substantial tax relief over the next three years while also sharing in the mutual fund companies earnings movies are making a come back i saw a deal this week that required a 28800 pay ment this fall which could be borrowed by the way the purchaser received 103585 in tax deductions which meant a tax rebate of almost 55000 in addition to the tax savings there were good profits to be made the aver age rate of return over the next three years is greater than 44 per cent in addition ive seen two attractive looking computer software offerings software programs are depreciated according to government rules at 100 per cent as a class 12 item as a result you get large instant tax relief if the soft ware does well you also have the chance for huge future appreciation one of the most attractive offerings i have seen provides protection against a further decline in the value of our dol lar plus protection against loss es while also positioning investors to share in substan tial potential appreciation the american real estate markets are on fire interest rates are at thirty year lows their economy is much stronger than ours and unemployment numbers are tumbling south of the border as a result ameri cans are buying real estate before prices rise too rapidly a toronto company medstar has a project called south beach marina apartments in san francisco the investment is in the unit ed states so investors profit from any depreciation in our dollar but because its actually a canadian investment you dont have to worry about american estate taxes the units are sought after because of the loca tion so its 97 per cent occupied as a result investors arent buying a pipe dream but in a stroke of genius the company has also arranged to use some of the proceeds to pur chase an american govern ment treasury bond that will grow over the years to ensure that the investors dont lose their money in other words even if san francisco fell off the continent you have little or no risk focus on business advertisement i iimprove your natural vision imwkimwhmfll nonsurgically in days weeks by appointment only dr h walji od msc fios optometrist orthokeratologist markville shopping centre lower level near sears l j from 55 lit 2nd 3rd mtgw to 95 rental properties cottages refinancing oebtconsofidaljon rural properties sekemployed badcredit no ncoro no problem prime diam wo bank rate fait protetelonal service snceuts cau6862557 whitby are you tired of the same old look start the new year with a new look discover 2947471 2941743 flowers now open markluiinc uirccft selection of cut flowers direct prom tltc grower flower cut cleaned prepared llriuro your rjrc come in saturday and experience an open market floral ccnirc s3477mu ross dixon financial services choice service and selection at no extra charge one of the biggest hurdles encountered by finan cial planners is the common perception that more consideration is given to filling a company quota than to the clients individual needs at ross dixon financial services thats simply not an issue ross dixon financial services is a network of independently owned and operated offices in oper ation since 1978 and dedicated to the financial wellbeing of their clients their advice is always objective because they are under no obligation to any one company or product line whether its a major corporation spending millions of dollars or an individual with 5000 a month to invest in an rrsp the experts at ross dixon financial services believe that the client deserves the best service all the time we work for the client first the financial companies second said man aging owner harry james the firms philosophy the best choice is here is clearly indicated by the number of companies ross dixon financial services is associated with over 100 banks trust and insurance companies plus access to the majority of the mutual funds on the market the markham franchise is brand new the doors will open to the public monday morning james and branch manager andrew mccully each have 14 years experience in the financial services field including major financial institutions such as cana da trust and london life mccully received spe cial honors after receiving the highest marks at the trust companies institute in 1988 james is a fre quent guest speaker at financial planning and insurance seminars both have developed sterling reputations in the business through wordofmouth and both are happy to provide references upon request at ross dixon you get the best advice and the best service but you dont pay any more for it explained james we have experts in every signif icant area and a proven track record to help people get to where they want to go the key according to james is to take the time to really get to know the clients their needs lifestyles and goals for the future the interaction then surpasses the status of a business transaction and becomes a relationship mutually beneficial and equal were not just selling product were providing enough information for people to make sound financial decisions said james the latest tech nology is used to provide clients with the most accurate and timely informa tion on all financial matters personal and businessrelat ed the computer system is at the same level if not more advanced than the banks james pointed out and the staff are licenced and wellqualified to use it at any time we can print out an up-to-the- minute statement of a persons holdings on request and the present value of those holdings added mccully surprisingly all this service choice and objec tivity comes without cost to the client ross dixon financial services is paid by the financial institutions when business is placed through them for all your financial needs including a noobli gation consultation contact ross dixon financial services located at 137 main street north in markham call 905 4712311 for more informa tion harry james managing owner and andrew mccully branch manager each have 14 years of experience in financial services personal individualized service ah makes models or i cars trucks new or used individual fleet leasing j competitive rates i tradein assistance equipment leasing j leasing with integrity i brentl leasing 15054159590 2135675 1 20 valleywood idriw suite 10sa finakcial iiivicii lubedgkoice iljfete gics rrsps mutual funds life insurance annuities rrifs tax preparation mortgages 137 main st n markham 4712311 harknett musical services ltd music books warehouse outlet 1000s of music books in stock piano and instrumental 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