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Fâ€"_â€"â€"_â€"â€"â€"__â€"___â€"_â€"__Wi,,,,,, n “ l l l 1 WM “(LIX l CHRONICLE 'quliiesd.iy.\epteriiber10.2008 ' 23 l l i I - ll, Paul, The Handy "(an : is Important to as not a . 519-577-0225 3 . I I I I I Withdrawal strategy that pays III the and 5 Electrical & Plumbing Repairs 3 I I I I ‘ seems like “Rh :1 long time all“ in avoid apotentialCliSG payback. ' Make the right withdrawals to l sma" Renovations ' General Repel“ i that you started Registered radium N we illilily‘lllll zilliifyllui RESP avoldilayhildm i If it's broken, I can probably fix it. i (ion Savings Plans i: Rlispsl lot your Income as an PAP below Withdrawmg _ You may be required to refund some i i children 0, grandchildren. contributions. at the-(SIM) grant money ifthere is any i Retired - now working for you! x llirough the years. - Don‘t withdraw coir income remaining in the RESP after i . 2 “ml“. laitlifullyiidded m r"‘“_ _ â€" ‘ ' ‘fi trihutions before your stuA your student completes (or leaves) their .' Email: handyOgoldenmet i l ihppimh And suddenly i \l “U \j' l‘ denthegins school. postâ€"secondary program. although 1..--”x-.-.----.----..--------------.-----_-_.' your rump" one hi“ i ‘ ‘ 2 I . Otherwise. you mil trig- recent amendments to the Income Tax 1 [natured in") a \(unyuyht- ‘ “IONILX ‘ get a repayment Of “10 AC! will lelUW FMS to be paid [0 a Sin» I WNW!“ ”r university ml. 1‘ . 1 ~ '5». l (ZliSti. dent for up to six months following the I l an“, i . . ' l‘ ‘ Don't take l-‘Al’s as it end ofa program in certain cases. New members welcome. ‘ NM “it time to take 5 "1 single lump sum. ‘ Be sure you’ll have the money l advantage utmost-ace“. l - f l By spreading them over when you need it. A l mum“; funds, By usrng l g ' , ,“ ' , v ‘ the expected length of the Before releasing an BAP, your RESP §~ the right withdrawal strait ] ' . . i 1 educational program carrier will require proof of enrolment . ; '5 #8531)” mu minimize the l 3 5;; . [ you'll avoid burdening # so get that documentation to your ‘ 5 ‘ u]n()un[ 0f tax WHY gtudent l l your student with a huge carrier as early as possible. i i, . l pays, gain the maximum 1 . 7 ‘- l‘ taxable income in (he first 4 1 {a f if; :" benefit from both the Mir . l year and take advantage of With education costs rising, that .' ’2 i“ ' ‘ cational Asggiance Pav~ [ l his or her (presumably? RYSP was definitely the right decision. E F i: ’ f merits ”:pr as “it.” a; i l lower marginal tax rates A professional adviser can help you [â€"1. " ”‘- 5 ' income earned on the L___.~__l over a number of years. make other informed decisions to . _ . _ money you've saved in the - Limit initial with- achieve financial stability for your famiv Canadian Federation 0f UNIVCI'SWY women RESP, drawals. ly including the possibility of a debt Kitchener-Waterloo Most plans restrict withdrawalstoa free education for your children or N 1 h I] ‘l b if I . C t ‘ , d ‘ Here's how: maximum of $5,000 in the first 13 grandchildren. 0 - ‘r'pm ' k u 0 cma e unnersr «\ ga uates - Withdraw income iii the hands of W09“ ofyour student‘s 07031131“: Over 40 interest groups such as Bridge. Investments your student. You can ”COL“ the $3000 hm" by "' Theatre, Gourmet, Arts. Travel. Books, Nutrition Electing to withdraw RESP income requesting Mitten permission from the This column. itlritten and published as an {mp _ made up of plan income, Minister oflluman Resources within by lnwstors Group Financial Services Tuesday. September I6, 6:30pm the Canadian Education Savings (irant "1059 "N )3 W091“ "In PWSF’I’SKWWWI information only Hilliard Hall, First United Church, Waterloo “150;, the (anadian learning Bond ‘lhis allows you to avoid having to and Lt now solicitation to buy or sell (Comer of William and King Streets) ((18) and any provincial grants _. is a pay the extra initial school expenses out (my inwstmentx Contact Rita‘s McFarh- good idea because u will be taxed in the of your own pocket or withdrawing nie at 5159-8862360 ext. 241 Most meetings open to visitors! hands of the grudom, who is likely to he contributions and potentially having to or email him at in a lower tax bracket, repay some of your (ZliSU monies. Rmsell. mceachnie®imestorsgrouprom. WWW CfU WkW 0 [.9 5 1 9 _ 740 _ 5 249 .» " ‘ ‘ -‘/ . 1/ x : 1"; ‘ 5 ~ 1 l g l , a r . » .- *1 A ,1 .’ l ’ . ‘5",Efia1r. l ' l} ‘ J 2%. g z r; r” W; . {a l ‘~l .: it -~ ’ '. at. “ " " We?“ 2 f ‘3‘ "ii“ I"; , -- . ..~ a,” - . . W ’” . 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T ‘ l ‘ l 791-; j :3 E a}: quDROOI/ZWCWO - WM“.S£PT.H.2JPJL mmsmmz-om } 1 7 55 9:5: apartment in Waterloo, is in move”: mn- , H2A Harbourvrui Cm, Waterloo S A 129 White Pine Cm Large print: an» t : \S‘F ‘; drum nth neutral deem Fabulous iota ' j nous W semi. minute! to WEI cent location in mo in after Wuterloo I l _;‘>\§; :14 tron near University of Waterloo and g mopping. mama in living and upper neighbourhood Great :lnel {wily home '. - -r§11l Weatmount Mall Early WHPRIIOD p09 ‘ . ; l level. family mom finished basemenL d~p Open concept kitchen/dinette overlootmg q 5:; llhlP HIS ('all In new " ‘ yard Air Miles 529 MlS family room Luge hung/dining room 3 $30» . 3 ' ‘ lower level hindrann/ltath With private pnr J {'35: ‘ ‘ . ' ..â€" trance. Numerous update-n ms .1 :9 ' v v ‘1 Ls am In... . . Will-‘- i -\.‘~_i$~_ 5‘” , HMS-le- ve I‘m y \ 31$; hmmmmnmn.. a CamdLmV-uce Nunavut-ea l l ~w 51mm _ I m. ‘ 51% «mil ”WI .». ~â€"l llllll‘ ~ 1 5619.900 54 “ .7 k . 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