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There s stili time to take advantage of the RRSP Home Buyers'Plan tf you're thinking of buyîng a horne, but Since the purpose of the plan is ta provide tack the fonds for the required down psy- access to existing RRSP flînds, you can onty nient, you inay wang ta consîder taking ut- withdraw RRSP contributions mute prier ta vantage of the RRSP Houme Buyers' Plan. December 2.1I992. Receptty esîended by the federat govern- To bu etîgibte u nder the ptan, hanmes mtust nient for an utdtionst yea.Aîe plan attows bc tocated in Canada and cannat bc pie- home buyers ta wgtIidrow as gtucfi as viously owned by yoursett or your sposse. $20.000 froin thuir Regiqtered Retîrement The home you intend ta purchase miusi aieo Savings Plan IRRSP) ta purchase or buitd a bu occupied as your principal ptace af home. resîdence snd die ctosinVaf the deat must Tht besuty of this speciat plan is that no take place by Septenther 3<). 1994. income tas is deduçied front these fignds. s Bath exstin.g and newty buiît hoes are long as thty're repatd go an RRSP according etîgîbte. ta the govemment's repaymeni schedute. They include detachtd af sentg-degarhtd Bath first-time home buyers andi extstmng homes. townhouses. condominiumts. mobile home awners cao participate in the plan. homes or apartotents in a duplex, tniptex, r Deedlm Mareh, or altarîment buildings. Shares i Dbudlne M rch,1994 co-operative housing corporations are also Ta take ativantage af the ptan, you must eligibte under the plan. enter inia an agreement ta buy or buitd a Flfteem Yearly Imat4dmenta your RRSP btture March 2. 1994. eAfter entering the agreement. you must complete s Home Buyers* Witddswal Ap- plication fermi avat table front Revenue canuaa Once youve completed tie fort. Yeu shonld submit gîtao yaur RRSP issueir (baok. crodit union, tilt insurance cong>any trust company or brokerage rirm). , Wltlsdsaw funtde Once approvtd, the frin gises you per- mission tîs wuthdraw fufils froin your RRSP wîthout aîsy taxes hting withhtld. You cao make contributions ta the plan frn more "ha ont RRSI, s long as the $20.000 lImit is not esatetee. Howtver. if you have a spouse who is as5 eligîble, you can each withtiraw up ta $20,000 towarlb tht tiown payment. for a total of $40,000. A real eutate peofessional can provide you with detals on how te witMuraw funds from your RRSP. Tht money you wihdraw must bu repaiti in ai leasi 15 equal yearly instalments ta regan your tax-deferred situs. If Yeu chooge ta pay less than your schtduted sanuaI payotents. tht antatit that you don't repay must bu reported Ils incamne on your tax returo for <bat ycar. Your RRSP payments have ta bu madie an or bufore December 31 af each year, with tht repayntent peniod htginning in 1995. These repyme do nthve ta bu mate ta he sm RRSP fron which you wtthdrew the funds. No taz break again You do not receive a second tas break whtn you make an anoual repsyment. Sa, yoa must infarm your RRSP insurer tbat ii's neot a regutar contribution anti cotoptete an RRSP repsyment latin. avaitable froin any Revenue Caniada district office. Talk ta a reultar if'you atoult i ke more information on how to repay yonr RRSP. This article is provitied by local Reattors andi the Ontario Real Esfawa Assocition (OREA> for the henetit of comsumers tn the real estate market. RVAWj; MARILYN ANDREWS 878-7777 INDUSTIAL/CQMIMERCIAL SPECIALIST FOR LEASE - CO0MMERCIALj 1192 -21Sf Sql. fi. Main/Ontario Intersection, 2-Sto4by Office Asking.trom $0.00 -$14.00Oail fi. 600 - B00 q. If. Office space tinished ta suit. Localted at Thompson/Nipissing Rd.. Asking $7.50 NET. Reltait avallable many aises - many Cr».»-t !oUW-de torage, 18,700 Sq. If., 2 10-ton cranes, DL & Dl Shipping. Close ta 401, 400 AMP. Rail Siding ta Building. Aasig $3.00 NET 10,0001@.111. Free Standing. 200 AMP, 2 DL, it. 3 acr es outaîde storage. close ta 401. Asking $3.2&LNET. 12,200 Sql. fi. Fedleratty tnspected Frazen Food Processing, coters plus large freezer, CatI for detaîls. Asking 1 can finbd the spart you need fot indusiat or officelretait requirements - there is S large inventory availabte. If Yeu have space for lesse. Legs talk - Let a specialist look afler your needs!!i MARILYNADRWSa 825-448 or 878-777 ReMax Mlftowns Reialty Corp. Commoerclal Divison Uen H.D. MULLIN CIIARTERED ACCOIJNTANT -ConqîSte Rang, of Aoea.a*ig &%.u semns ÇoaSs PIaro.eg w làvu 107 Martin St. T9taÇtotte Mîtton. Ont. L9T 2R3 (416)>878-055 ol I ui gu boffet, rrceptimvu appuîuo RKI tfoLý,Ht ( lu Ss.HER*SOND SORY .o.lMaF..nWoe EBIt*MIUý 111"060 AW»nN ýw M wM.A.R.C.H. VUI ForProssioai M.. p.» - h, G 1 lotfLM Courteous Serce ,m POEuRv*TInbs icis0<ASCALL: 7M MW.n Sý« Su. - OR UWTW Câ: jAsasta AGENT 870-1138 prie .7 lý l01 8%0 RESUMES 'Mdîmg Your Comnicat ions Count« Tsri.Wan 1hnîcul Editisg. Resué ot hat suoeed anmd [ .,wel b siarCsjti. j Roberi C (Bob) &rU 7-00 JAMES A. OOWNS a SMN LTD. 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