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llffbfjarj994 fl7 accountant offers service to community are you getting all the tax breaks you are entitled to in these tough and complex economic times an experi enced accountant is someone no family or small business should be without whether it be a one- stop visit at tax time we offer special family and senior rates or an all inclusive yearround ser vice for your personal or business needs my small firm concept and 25 years extensive account ing and tax experience will ensure you receive personalized quality service at very reason able rates at no cost to you i also offer initial consultation pickup and delivery inhome service and evening and week end appointments when you need help you need it now i guarantee prompt reliable action to al your questions concerns or needs any time year round let me put my words into plenty of time to apply for fst tax credit from page 6 through 1994 a taxpayer may transfer up to 6000 of periodic payments from a registered pension plan or deferred profit sharing plan into a spousal rrsp eligible retiring allowances may be transferred into the tax payers own rrsp seniors who have earned income from the year before or unused deduction room car ried forward from previous years may make rrsp contribu tions to their own rrsps if they are under 72 throughout the year or to a spousal rrsp if the spouse is under 72 throughout the year all eligible rrsp contributions are deducted from income on line 208 frequently the spouse having the lower income does not need all of the available amounts to reduce his or her tax liability to zero in these cases the unused amounts including the age amount may be transferred to the other spouse this creates a substantial tax saving by reducing the tax payable by the higherincome spouse many provinces offer tax credits tax reductions or grants to senior citizens in order to help ease their tax burden be sure to check the assis- rrsps onestop shopping gics 12 trust companies mutual funds self directed rrsps tance available in your province many senior citizens qualify to receive the goods and services tax credit this credit can only be obtained by filling out step 2 of the 1993 tax return for married or commonlaw couples one spouse must apply for both eligible seniors who did not apply for the gst credit for 1990 to 1992 may still do so likewise it is not too late to apply for the federal sales tax credit for 1985 to 1990 in each case the appropriate tax return for the year must be sub mitted together with the required credit application it s not what you earn its iv hat you keejp well minimize your taxes well help you sort out your accounting timely service clear fee structure electronic filing available additional charge refunds within 14 days good coffee no bdo dunwoodv wardmallette chartered accountants 38 toronto st n uxbridge 8529714 action for you clifford r smith cga 9a bascom st uxbridge 8521991 heres a prime opportunity you cant afford to miss m 4qhl fe if youre short on cash for your rrsp this year dont short change yourself by contributing less and paying more in taxes with investors rrsp loan program youll be eligible to apply for a oneyear rrsp loan this prime opportunity allows you to maximize your rrsp contribution take advantage of unused canyforward contributions whats more many investment options and personal inhome service by your investors representative are built right in mmm to find out more call donna painter at sis jlwbstots bus 90s 7378966 or res 905 6493417 today bs eldub r r invhttoiis grow financial soivicoinc wfeve gotfours you can count on td for the best rsp selection and service and with rsp loans available at prime this is the best time to act ask us how you can get more savings tomorrow and pay less taxes today daily interest rsps gic rsps mutual funds rsps selfdirected rsps mxirbankurwv fourbanktturw vburbankfcurwjy 1 brock st w uxbridge 5892 main st stouffvllle 6236 main st stouffville 8523324 6401372 6404000 feb 28th march 1st- open till 8 pm for you to make your rrsp contributions i now you can have your cake and eat it too bontn applicable co 3 4 and 5 year terms uxbridge credit union everything your financial institution should be in addition to a great rate voupt 10 off dinner at the village bistro with the purchase of our rrsp please call 8523388 for details on this special offer t smm makaom tpftf la fcf dealt