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whiihiii mnnriimi ihiiiij p10 tribune january 291997 st are low interest rates getting you down call mark kostand off financial advisor for professional advice 1 800 5584331 or 416 3692120 fax 416 3692135 midland walwyn blue chip thinking blue chip thinking is a trademark of midland wahvyn capital inc member canadian investor protection fund money talk borrow to contribute to rrsp registered retirement savings plans are one of the best tax breaks available to the average canadian and a great way to build retirement wealth so why dont most of us contribute as much as we can to our rrsp for many canadians the reason is simple they dont have the money to make the maximum contribution so they contribute what they can or ignore their rrsp all together there are ways to make it easier to make your maximum contribution one is to invest throughout the year so you dont face a big cash crunch as the rrsp dead line approaches but if you dont have the discipline or wont be able to save enough in advance there is an other option borrow many financial institutions offer special shortterm loans for rrsp contributions attention serious investors michael comeau vice president and senior investment advisor of td evergreen investment services is available for consultation at the stouffville td bank branch td evergreen is a full service investment dealer and offers broad range of investment products and services including domestic and foreign bonds canadian and us equities over 400 mutual funds rrsps rrifs and resps free portfolio analysis investment advice and development of personalized investment strategies to book your appointment with michael comeau at the stouffville branch please call jim hassard branch manager at 905 6404000 or dave morrison branch manager at 905 6401 372 or call td evergreen at 416 5122511 or 18003824964 tdenergrebn we a l th man ac em en t a ontta tiffd xcevrtiif tic td evergreen investments services is a division ol td securities inc which is a subsidiary of the toronto dominion bank member clpf at favorable rates thats because they want to encourage you to invest your money at todays interest rates the tax savings you generate should far exceed your borrowing cost even if youre in a much lower tax bracket the cost of borrowing will usually be lower than your tax sav ings if you use your tax refund to pay down your loan balance immedi ately youll come out even further ahead you can also use your refund to get a head start on the current years contribu tion in the end any thing you can do to increase your yearly rrsp con tribution makes good financial sense the more you contribute today the more your rrsp will be worth tomorrow associate xlfi l l t j h ih bo hcj j remnt 139900 clean cozy 10 mins north uxbridge 3 bedrooms l- shaped livingdining rec room with wood stove 4th bedroom on lower level 12 acre lot fields in rear uxbridge 149900 freehold no condo fees quaker village town home spotless interior 212 baths white kitchen central air fenced rear yard captivating view old fashioned charm scenic 8 acres minutes from uxbridge 3 bedroom century with rear addition featuring wraparound covered porch cherry floors fireplace in living room recent rec rm 249900 112 years new immaculate 183900 3 bedrooms 112 baths eatin kitchen with walkout to deck neutral decor central air scugog realty ltd an independent member broker computer training is available for employment insurance recipients or insured participants under the employment insurance act sponsored by cost funded by hrcc markham newmarket richmond hill 11 human resources developperncnt des development canada ressources humaines canada learn windows dos wordperfect word lotus excel dbase access powerpoint harvard graphics pagemaker internet and accpac 6 call to enrol for classes seating is limited 9058982911 first interactive computer college first interactive computer college p yourfuturefot success newmarket 465 davis drive the tannery mall suite 404 richmond hill 129 church street south ficc is recognized and approved and a private vocational school under the private vocational school act i t i y i vi i 4