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Nfl1"BY WER PRRA WDNRRTÂV JsflTf j2w4o100 UAfl' i PAX IMETAXTIMETAXTIM TA TIlIIETAXTM TAX T IMi .RSPsbuiý Many -*."WhywithhMdngs redued inmespec investin rana"JýIW12l of ;th. t=i sMinsfrm the MmTiemin reaaonW ol emae opli. mNU M»'Ti muta t i. biXIIt scrt'UÈy - ils cbnributedhe aimtntoteach and oeyem BalirPlanSvinn of us. dleductile o uanefrt Lump sumo recoived from fauos aul4ecttgcertainPPenson 'Pans ,ýand contibum ocopoundàin iyour ma otaserred te , Ran Pl" atx-. dirctlY. The. transfer should'ho F*rMmay pol~retirement netiteklie eto, a"*to P9, mos. a. «or -" eot ~~s ; ; P an invoutaent. Ini Mont panS, o O C have accoua eyour lhnds at any L "ie. i a yr< ivtmnt. Quahfiod Cùiui i mt, n RSP in mvetaent, chas onsSOMothing .Moot Canadians are granteodîn d meoo tafcates, tnking about right now. The. trn eury bin and-muual fùsnda tdeane fr contributions a eFob these Mocuitiosq that you ý4alr . hôdMy be place4 iînto an RR, - Unfortunatoly.,'the R RSP 1in witlioto btaigmore funds t6te .ouùl'invobetta o a doo ~mako now thnt wÎIIl affect your Thé frst.stop is telearnhow, 1991,taxes.If you havont taken te manage your a _ir.If you xdoéawMoeir tax-planning stope for not have the funds te purhasean1goî thonm axiung your RRSP outright, thre ar cetaîi RS>contribution is a must. method you cn app1 *RS. limiahv been aflcae acetan aout fom mceasàed, te $11,50 or18per oach, psy choque, -t o .,tken (*hichevor je Iom) minus the. fio' bank accuntadu >. tIý ordsa a u pension adjlustment (the value of Another method "would ho ô yo«r "d your omployor's borowthe m on'y tepurIiaséan cc'ntributmon ite the -. conpany d,-mke 0hé if'lan Bwuoecf thisthe RRS Iis wouipad oemakheýtoutse, e "-twuiniwe mont tii.ë anl padvrthcoreiprat invostment mont ot.yoar. pol For oxample:. A taxpayer borw 5,00e 212per cent a ivte tlIk andivossinaRlWwltaîO riraill cfthotax benefitelh per, cont' roturrn i xpyer RRSP give theiday. Yet even hapens-toe ina 41 percen;ta, a e bnefits can ho glned Wýkè thetai-fre. compoun- Although the lnterost paidlà is Dg.wthntva RR flot tax0 dod-utibe,* thetaxpalyo 0Cf equal importance in the. Mi this example in 'ahéàdby ppoe1mt09e -e thue' RRSLP as $13.25 -~ anu~cm.-pUittig vehicie, te Whnyc»ý purchase an RRSp, Iower or eéliminate icm ae omotbing you should ho awe, iiyoui!rolrmelnt yoars of;~~~ luatiwlo mhtnay b. uebmgotprobboni is that oIbtained through - lRevnue Caad.Whnapproved5 by _4 lieene Caaa eou my ~ ~ Y 0 rqst t hv your tai- Each yoar, RevenueCada Taxationsosr acmuiy asdprogrm tat ronde assmtace to people wha, for a. numbor of roasons, are unable to comlot thirincome tai retapas and ethnic rgamzation swellý as incdividuals, are encouragsd to participate in tii.prm. No provious epeinineceuaxy, cnlk desie to help others. 1dePartaient, tbrough. public affaird.' offioers, JIvo training to thon who wehto vohnteer. Changes te thi eau mncomne tax roturne are di' md and the, volunteersare shown how te complote returne of those then ' trining' i.ncomplet., volunteers offerthir help to, thon mootini need: low-income earners, the elderly, the. disatled, thon with a langusge-difficulty and newcoeers te Canada. Tie volunteersare 'only expected t e cmplote straight- forward returna and 'if, any difflcuty luiox«eriencd, h elp is on]$ a teehcîïe c«B aay t the locl dstrcttaxation Offce. Any- group or individual interosted inm takcing part in ttus pruam hould contact the. ., caffaxus fficer ,,at -the mnade dlrectly so that th. RPP or DPSP truste. wlll neit wliiod an aoint foinc m axsthat, you do net làve to pay. The. direct tranfer allows yot earn on alI cf *the. money foUti. par. You Win hý ave te complote Revenue Canada Forni TD2 and provido it to the RPor DPSPtrustee to ailow for, tiitax, fre. transfer te the RRSP. Finania Security is the. EMW. rudes 'have car Yoam. If you are confimad by ai the new rules, consult a profb""ona Boe ar»e sme koy pointe te consdeèr tis a 1. Mimize contributions 2. Consoldato RSPsinte one plan 3. you are now alowod .16 par cent in forogn, investments, 4.Us pousal RRS9Ppln wheroannlicable. Ue the $6,000. pension rolloer whro aplicable. FCOMP LETE TAXISERVICE Rentai Farmer Personal e aia an ~ * Child Tax Credit Commissioned Sales 0'l important te eacii and overono The. implementation" of any tai saving, stratogy is, basod, on yourporsnlfinancialituationi. Prfesina dvice sihould.,ho Obtainied bofore implementig any, of the' suggestions contno heron. laforatimpnvided by Culp 6. Diversify. A_ balancod porlio -outperforms ovor'tino.' The. bout advice I can giveyou is te start planning nowfor 1992. By IR Derek Dutka, B ECL, financialadviaoe withFnaia Cqoept Groiq. butit I t yu priatPesio an e ev Toahiv axiumretsfor our n RRSP, you mst giE .Sitregular "chck-up 6)s30".1 Slal tone er esn o ai thayterfe. FiacaDoet.Go fer our aO prvaed nieta chck-up" of Yesour RRSP his eckup" itri dctl DRE PT bufitiRai ad is u latéPe snPln", ca opleiment-a e rc f CnaprmeIdpnetfnnca planrning r.te i f-orrtrm BaS, b'.r"il. Ëtgivâ en o ouat r check-up.I *rvt ahe No RRSP Rul he-um owad pnos,ovrcntbto higr limits "h*üe ssrcl-DRKDTA * e onf mmentia adusa prsaned g neetlvsmn lentvs Uo im "s Bst uteofunàd; * What1 e do nowpteatentereeterates are low. *_ A sow n RSP ' ft nàou ov rall plan. 77 e eat * M Horw sellocaginti o axmiyour retus& iimz nk SATISFACTION GUARANTEED -FROM $20.OO01,1 n ifhtl'1 Il! UJk4th. ,1>2<V1OÇ M .. '---,--~0.-.--,--', -- d Id svins tx-free ittiung. your taxes ONYOUR- Stn e"P" cpolaient 1. 3 5 6 Td mar Fodperformance t0 Imesiors. îiENI Dec. 31. 1991 "nR.IMARK FUNDw '~ Inveit Your Savinigs "Where.,They'1I ReaIiy Grow. MUTrUAL FUNDS %VIE tIÀ'A(;. X~ lmîr A > mm nuaras~J.tnand rflii d.usribuiims rin.rurd and mlik jars ham i s,,am kind. Pau prvIý,mance is nas sroesaaindcairs'Jjosuosrsalis.' Any s!fJsrma* Ispspnhus lnit lJspurn audstcdb.% Enst&f- tnç. cAanrrd At (ouitagis. P&W pr4osrmam r 1%os sesssarits indiccuiso ssjJiir wssïlt REPRESEN.'EbBY. GERY B1T7NER PFSL INVESTMENTS CANADA LTD., Toronto 347-7883 1 U kir 1 'NIÉMY FRR PIMS& WEDNESDAY. J-414U-&RV29-,IQ92-'lPÀ(W ÏT, d 1 1 l