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weekender 0anuafi4997 p9 business will planning is not only for senior citizens many of us think that preparing a will is only a con cern for seniors nothing can be further from the truth whether you drive a car or play sports it is important to think about what can happen in the event of an injury or illness your will does not take effect until your death your spouse or children do not have the right to act foreign investing made easy for all diversifying investments within a portfolio is a wise decision holding a variety of asset classes stocks bonds gics from a variety of sources industries gov ernments institutions can reduce your risk and poten tially improve your returns now a third dimension of this technique is emerging international diversification canada offers many excellent investment choices but it represents less than three per cent of the global market if you look at the global stock market perfor mance since 1970 japan and hong kong have out performed the canadian stock market from anywhere from nine to 13 per cent one of the easiest ways to invest in foreign markets is through professionally managed international mutual funds like all your investment purchases foreign funds should meet your overall investment objectives of safe ty income or growth if you intend to hold these funds in your rrsp be aware that revenue canada wont allow foreign invest ments to make up more than 20 per cent of the book value of your rrsp amounts beyond 20 per cent are subject to penalties of one per cent per month some mutual fund companies will monitor your rrsp account daily or monthly to make sure your for eign content does not exceed the 20 per cent limit once you have exceeded the limit procedures vary from company to company for you in respect to your financial affairs if you own a home with your spouse you should be aware that the law refers to it as your matrimonial home this special designation means that both you and your spouse must be able to sign any deed or mortgage if you suffer from ah injury and are in the midst of selling your home how can you sign your name what investment workshop will give your spouse the power to sign for you the easiest solution is to have in place an encom passing power of attorney for property whereby you grant your spouse the power to sign for you in the event of your incapacity the other option is making your spouse apply to the public guardian and trustee for individuat investors agf family of mutual funds maximize growth in rrspsandrrifs in retirement a complimentary information seminar greg vanderburgh agf regional sales manager will discuss how core holdings in canadian resource equities can generate growth date january 8 1997 time 700 pm place edward jones 4591 hwy 7 unionville unit 110 your host larry stadnyk call 9053058507 to reserve a seat complimentary refreshments insight ho mutual funds edwardjones serving individual investors member cipf q when i began my rrsp portfolio i maximized my foreign content at 20 to take advantage of reduced risk reduced volatility and potential for above average returns my problem is that my canadian investments have appreciated beyond their book value such that my foreign content now represents only 16 of my rsp how can i bring my foreign content back to the 20 level a the foreign content limit of your rrsp is determined by the total book value of your plan many times investments will increase in market value but this may not increase their book value thereby limiting your ability to maintain your 20 foreign content limit the result can be a reduced foreign content in your rsp and greater exposure to the ups and downs of the canadian financial markets to rectify this situation sell your appreciated canadian investments the proceeds of the sale will be the new book value resulting in an increased overall book value for your rsp with the proceeds you can repurchase any rsp eligible canadian investment including the one you just sold and allocate a portion of the investable proceeds to a qualified foreign investment your new foreign content limit will be based on 20 of the new book value of your rsp beware of any fees associated with selling any of your investments if you own mutual funds you should be able to park the funds in a money market account at no cost until a suitable investment is found you can fax your questions to investment insight at 2948880 or call dan galszechy or john niekraszewicz of fortune financial corp markham 2941200 brakes steeringsuspension oil change tune ups augments cooling systems shocksstruts exhaust winter maintenance package a most cars lube oil change and filter replacement to keep your engine clean topping of all fluids including brake windshield antifreeze differential transmission power steering fluid belt tightening for improved driving performance as required four wheel tire rotation tire inspection for cuts and snags adjustments of tire pressure battery inspection and cable tightening inspection of front and rear brakes maintenance tuneup includes q install spark plugs q adjust timing set carburetor where applicable q inspect high tension wires cap rotor airfilter belts hoses pcv valve with coupon most cars light trucks vans s15 extra diagnostic services not included radiator package q flush complete heatingcooling system o check for leaks q check radiator core water pump hoses belts recovery system q ph test coolant d add up to 8 litres of antifreeze l95 most cars light trucks hi micmblin- omocemne ooaofitam iunhmum bfgoodrich jtyokdhama hho green free brake inspection we will beat any competitors written estimate or advertised price by 10 with competitors ad lifetime warranty on pads shoes installation charges will apply active toenikea your complete ttre and auto centre 0 rrsp boor store e brakes steeringsuspension oil change tune ups alignments cooling systems shocksstruts exhaust ajjji jlfjatj smart investors rrsr smarter its smart to invest in an rrsp but choosing the right one can be confusing im an investors group representative ill help you find the rrsp that best fits your needs call noel doharris at 18003872098 to find out more about investors group and our rrsps investors group building futures since 1940