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33_V1_OAK_SEPT22.qxd The Oakville Beaver, Friday September 22, 2006 - 33www.oakvillebeaver.com ☛ Learn how to build a portfolio to provide income in a 'very' tax effective manner. ☛ Learn how to combat the hidden danger of "Reverse Dollar Cost Averaging"! ☛ Learn the impact that different types of income have on Line 234 of your tax return. ☛ Learn strategies to reduce government 'Clawbacks'! ☛ Learn how to create an income stream that provides a higher after tax income than GIC's but still has guarantees. ☛ Learn about GICs that aren't locked in and will bypass an estate... no probate! ☛ Learn why Annuities are back in favour and how we use them in our Back to Back strategies. ☛ Learn the differences between Value vs. Growth investing... what is it and why should I care? YOU WILL NOT WANT TO MISS THIS SEMINAR AND THE INFORMATION BEING PROVIDED. SEMINAR TOPIC TAX PLANNING FOR RETIREES AND ANYONE WHO HOPES TO RETIRE ONE DAY! (ALSO THOSE PEOPLE LOOKING AFTER MOM OR DAD'S FINANCES) We will highlight our Income Portfolio. This portfolio stays within our successful 10 and 10 Rule. (Must have been around for at least 10 years and averaged more than 10% per year. There are not that many but we found them.) SEMINAR DATE To reserve your seat, call Sherry 905-336-9941 Handouts will be provided and refreshments served. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. E-mail: rick@todaytomorrow.com Web site: www. todaytomorrow.com Celebrating our 14th AnniversaryCelebrating our 14th Anniversary Thursday, September 28th, 2006 Evening: 6:30 p.m. - 8:00 p.m. Burlington Art Centre (Fireside Lounge) 1333 Lakeshore Road, Burlington TODAY AND TOMORROWTODAY AND TOMORROW FINANCIAL • TAX • LIFESTYLE • RETIREMENT • ESTATE SEMINARSFINANCIAL • TAX • LIFESTYLE • RETIREMENT • ESTATE SEMINARS RICK SHRUM B.B.A., CFP, CSA, FMA Rick is committed to the financial planning process used by Today & Tomorrow and understands the importance of TAX smart investing. He believes the foundation of any great Financial - Tax - Retirement - Estate Plan involves Strategic tax planning; not for next year but for the next 5, 10 even 20 years. Why spend half the year paying your TAXES! Let's put this in context, everyday you start working for yourself around 1p.m.; the morning belongs to the tax man. Tax Freedom Day falls on June 19th this year; in 1961 Canada's Tax Freedom Day was May 3rd! Do you see this trend improving as the "Baby Boomers" move through the system? We don't, that's why we think tax first! LOVELY GEM BACKING ONTO RAVINE Meticulously maintained 3 bdrm townhouse backing onto private garden & ravine. Lovingly maintained, this highly updated & upgraded, townhouse has been freshly painted throughout. Updates include, new carpeting, flooring, countertops, sinks & upgraded faucets. Roof & windows all replaced! Convenient underground parking right at your door. Walkout to private, lush perennial garden & patio. Walking distance to shopping, schools, parks & the lake. An absolute gem. Fussy buyers will not be disappointed. Call Caroline to view. PRIDE IN OWNERSHIP Lovingly maintained, one owner home, main level family room with vaulted ceiling and woodburning fireplace. Kitchen dinette open to Family room. Main level laundry, backyard deck with summer privacy, repaved driveway with interlock walkway. FANTASTIC WINCHESTER IN THE ORCHARD Designer's dream home! Fernbook Winchester model. (2100 sq ft). Upgraded top to bottom. Extensive ceramics and hardwood, crown moulding and trim. Bright and spacious open concept. Second floor laundry, cathedral ceilings, 3pc master ensuite with extra large shower. Upgraded kitchen and. Gas fireplace. OPEN HOUSE SAT & SUN 2-4 #45-3037 GLENCREST RD CAROLINE HAMEL B.A. Sales Representative (905)338-9000 caroline.hamel@rogers.blackberry.net www.remaxaboutowne.com SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD! SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD!SOLD! JUST LISTED Aboutowne Realty Corp., Brokerage 905-845-3824 905-845-3824 Milestones Engagement ❤❤ RUSHTON / BOCK ❤❤ John & Irene Rushton of Oakville are happy to announce the engagement of their daughter Melissa to Jeff Bock, the son of Gary &Michele Bock of Sault Ste. Marie, ON. Jeff surprised Melissa with a romantic proposal during a horse and buggy ride in Central Park, New York City. A fall wedding is planned in 2007. Anniversary Fitchett / Hayward Happy 1st Anniversary Sheri-Lynn & Tim September 23, 2006 Daughter of Sharon & Ron Fitchett pp Son of Donna Kain & Randy Pillon May your love continue to grow as you share your lives. Love Mom & Dad, Laurie & Erin Birth born on September 13, 2006 at 2:19 p.m., at St. Joseph's Hospital, weighing 6 lbs., 3 ozs. Proud grandparents are Ross & Margaret Wark and David & Mary-Jane Vallbacka. Benjamin is the second great-grandchild for Alfred Ball and the thirty-second great-grandchild for Clara Garner. Welcoming their new nephew are Amy & Dan and Craig & Trina ❤ Benjamin Michael Vallbacka Wark ❤ WARK/VALLBACKA - Michael, Jennifer and big sister Sarah are thrilled to announce the birth of