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WA! “two CHRONICLE - Wednesday. April 11. sous - is Get next year’s tax refund this year cnnus-mumomsm lhulnlflInuih‘s’jlfi'[t][(flflh‘gn(~j‘xquÂ¥m5‘ult Mm from prevtous year» E l'liere's no [title limit on when ' ‘ IdtbylitrSuLXtKuflumi-‘qmjb'qwmg “luqxjmb fur you can catch up but sooner is lwtter.) . " rulixmgyuirgtlfi unliitmuehmmxt hutxxmtmlstjfl lhe best strattgy is to multi- regular RRSP invest SAT” ‘ ’ s , t a 12m~ take aduuttage otsome diurn- tax- mum] merits throughout the year instead of con- ‘ " _. . . . iflutwehand get next yuir‘smx refund (115mm . tributing a lump sum at the deadline. That * “a . . « . pt, y, .. it» s. e Hat-slim \ I\I\ I \ way you'll have more money working W ‘- '.$ 4. w “A- ' _‘ ' harder and longer in your plan, which can u ’ . ‘fi 7... 7 "W ' W Pump up your pay cheque \]()‘\ I \ add significantly to your retirement nest l 20lb BOX Of FIOflda $ .m Payroll deductions are a fact oflife - a ”it. .. egg. Swdless Naval Oranges ‘ but paying more taxes than necessary isn't 4. It can be tough to find money to invest 1 OR R G . I the best strategy. It's nice to get a tax ' ‘ just before the RRSl’ contribution dead K ”by I lea mm“ PER BOX refund. but you're really only getting your , line, but it's much easier to pay yourself A“ 4..,...--..~ "mm W 7' 7 ' ' " " ' "fl ‘7 / money back. lhe extra dollars you sent to i g , first through a Pre- the federal govemment are a tax-free loan t ‘ ' ‘ Authorized Contribu- W W M l00l¢6 m each pay period. lion (PAC) program W W m if you expect a refund this year and are that automatically ~ :7| l l » l 1 confident the same thing will happen next invests an amount you If [at "N to tweak W W W year. you can apply to have your employer can afford each month. With mortgage rates scraping rock-bottom. we’ve helped marry homeowners break and reduce the amount oftax deducted from A PAC can also help escape their current mortgage We can do the some for you, if it makes sense. Call today! your pay cheque, you get next year's tax , When you were first hired, your ~ ~ refund this year HerCUIes Mma AMP M l’lv,‘.r'g).1g5- mm“ employer had you complete a Personal Tax Credits because you can apply to fiirther Age"! “ "403000563 “out“ Plum" 1g, . , Return form (TDl) that included all the deductions reduce the taxes your employer 519.886.3434 mmtgzonexa 4 “M. _ ... 4 r t... ,,. and credits you normally claim in a year. withholds from your pay Cheque. if your circumstances have changed since then. T0 minimize your taxes and making you eligible for additional deductions (child maximize your financial life, talk to TH care expenses or spousal maintenance. for example), your professional adviser. SAT“ R DAY’ A FRI L 25 ON LY your taxable income and your tax bill will be lower now, So. reduce the amount withheld from your pay no cheque each month by filing a Tâ€" 12 i3 form. (Available This column, written by Invasion~ from your local (IRA office or from the CRA Website. Group Financial Services Inc. wmv.cra~arc.gc.ca.l presents general information only and L; not a solicitation to buy or _ Pump upyourregistered savings sell any investments. . w- w - . it) get the most out ol'your RRSP, you need to get (bntacr Russ McEachnie at ' _ : '..."'. the most into it asfast and frequently as possible. That 519-886-2360, ext. 241 B V 1 “7“? ,'- - " f 7 5” V “flirts. means making your maximum contribution every year or email him at Rite ' J" " «raw and making up for any unused contribution room selLnu‘eachnie@intest0rsgroup.com 1 e \ . 1 " v 4 . _._, . i Iii i a fl fly if? GET 1 /2 OFF \ , 3: Q 2 g; ‘ ' ‘ . : , 21195? ; ira E g}; l’ ’ ‘ Id “4 7‘ fl :,.‘ Â¥ 5!!!“ “‘ ‘Ei’fii'ff: “aha: "i f“ ‘ . '~- "é: z of" w: vegfi-tfflf if"??? ' t 4 -“‘ ' ’ - . t a; a» a it“ ‘ ' ~ - ' CLARKS ‘ . , A?».' I, _, puff,» L) 1. ~ .,: L ‘ l\ i? u v v w‘ "a“, Call me toda 1 details on how to et , " f_f'f,;,,'”i” _ y g , Norma Cyca the most for your advertising dollars! Warp.»- , a ‘ “ “1. j 1. '. 1g." ' t _ it; 519-885-2830 ext. 223 0. F ‘ JR ‘ ’ " " \"' ‘ - ,s__,__4_ ,__ '. ,_,,,.__44,, 589 (HfWJ’ (l S Kltclieuer ncyca@waterloochronicle. ca / , . - . a. ’ i ‘ ‘ \ . \Tl‘ R l C . [ (til 1, 9,13 ___l_flj1,,l i, l 519-748-9333 ‘ m- "me a," Starting at , fl ‘ f. f . 2014 t w ‘ LASIK Now. $490 ~ ' TAKE 5 YEARS Take UDfII We. I TO PM” 20 14 to y. ® LASlK Is Tax-Free W Dr Omar Home. Ev Minoan Descn AccordD .Dethflim HOlIlG)’. Québec Montreal Ottawa Toronto London Edmonlofl Calgary Vancouver