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Champion Country, Tuesday, February 22, 2005-21 fà rîl How a spousal RRSP works from BENEFITS on page 20 *Contributions to a Spousal RRSP are tax deductible for the contribufor. - The RRSP limit of the spouse who benefits from the spousal RRSP contribution is flot affected. That means the lower-earning spouse can stitl make his or her maximum RIRSP contribution. The major benefit of a Spousal RRSP is that when the Iower-income spouse withdraws money from the registered plan at retirement, income wilI likely be faxed at a lower mar- ginal fax rate fhan if if were taxed to the higher-income spouse. If you are nof already maximizing your contribution, talk f0 your financial advisor about ways f0 increase your contribu- tion and better plan for refirement. Ifs also a good idea f0 spend the time fo go over your enf ire financial picture and help draw up a unique RRISP solution failored f0 your spe- cil ic needs. For financial planning and investmenf information visif www.investorsgroup.com This column, written and published by Investors Group Financial Services lnc., is presented as a general source of information only and is flot intended as a solicitation to buy or self investments, nor is il intended to pro vide profession- ai advice including, without limitations, investment, financial, legal, accounting or tax advice. For more information on this topic or on any other investment or financial matters, please contact your financial advisor Money Trips (NC)-Sfrapped for cash? Borrowing f0 make your RRISP contribution may offer greafer affer- fax refurna than the coat of the loan. Speak f0 your financial advîsor f0 see if this sfrafegy is righf for you. f mportant ase t ii t is t pi fe-.ony owok Toe se-e-r vo visi Eiaks ones tee oapen or ae-tie-iet w ,500 foi 2004- an$6,00for Maigbe Io si ai conrdbtinsBu eýfl Randy~ Broen liii e-,-te-iiî I Bepre.eneeis e 310t Main St. E., Suite 1013 Milteon, ()n 1,9T 1lP4 905 l804-6959 14554.etIwltleljeelee-S. ccclli Mernber CIPF TD Ca ala..q-,,, Hom sqit LneofCe The TD Canada Trust Home Equity Line of Credit' gives you: " Access to up to 75%4 of the appraised value of your home iess any prior outstanding mortgages or charges " Convenient access to funds *Convenient interest only payment option2 *Option to lock in any portion at a fixed conventional mortgage interest rate with a corresponding fixed payrnent* *Interest rates as low as TD Prime, which as of February 11, 2005 was 4.25 %3 110W fIT WQ#KS.. This easy-to-use worksheet can help determine the approximate credit limit you can get with a TD Canada Trust Home Equity Line of Credit. Aamehorrw $ 200,000 $ Subu-, ty- exîana -$i00Q $ Canada Trust Yourpotcntaf =$0,000 $ TD Canada Tnae UÀne Of Crledit 1 l1 Sanie conditions apply Applies ta aesidential paopestes only and in sublect ta tD Canada Trust's credit graseing critenia. (2) On ievalvig portion of Home tqaiity Une aI Ciedit only. (3) Rates vory witn IO prime. *Sme Conditions apply I 1 MONEY %ÀEGON. 12JCONCEPTS,. aaaIc Lou Mulligan MA, CFP, RHU, CLU, EPC Your local RRSP Expert Extended RRSP Hours Evening and weekend appointments available (905) 876-0940 204-420 Main Street E., Milton, Ontario L9T 1P9 Affiliated with N.F. Insurance Agency Inc. EdwardJones MAKING SENSE OF INVESTING 44