m†‘ L IO°WATBllD0mICLD ,. - . 2am: W l ' '.';~'S'SPlCEs-GER 1 ‘rtrt';l l' "onl‘v .rn f m d whim : Computerized Food & Environmental Mu. Nutritional Evaluation = ps or sou ho “n. 8110 S t g and Vector Street Testing by Niekl - RN 3 H . t should you do if . a fee lpï¬d ‘ A (he : 333 Roderick 31. "n th" ad & C'VC Tel. 519-142†= e um you're planning to go ’ “W """ i 00 off l '“ “mm = â€WW-ï¬ve "M w ., | . . . . : mam. out. a "2:2me sun-unmthpmg your sunscreen (although \ It ;\| l ‘ it's not changing t e ; www.waterloochronicle.ca , on n, you, , RV ; “MW (although lb)“ 5 a g \ good .too. W? E ® munnnr . {35ng ii Hm the m are _ . to-a fun and stress- 3 “ i , ‘t Q {Hi free winter sojourn: . f; ‘ ~ Dâ€? VE ‘ ii; 1 Get your financml r“ i U, 35; 2, plan in order so you 5) I . ;. li'g; ' 2 won't break the bank , » ., s- ; 3; ' ï¬t ‘53 i while you're taking a 4 I g AND c ii“? 12 sunny break. Navigate f v 0 90 w {35 â€5 this checklist before RUSS â€an†‘ , you turn on the GPS i -“‘ ? .,;\\ i a i if“! andhit the road. M9EACHNIE T “J†\ i 3; Fig ; x x , ‘ , ,,, / ’ 3&4? g - [nerve-bedthy someone back home file I ; L 3" g ,.g i' figs! 36 Will"!!! your Canadian tax return / W . 3 i. S a and make any required L ‘ _, ‘- : ~ - , E i! 3“ Provincial] healthl quarterly tax payments on r†_ 9. insurance p ans wi our behalf. 1 __â€"â€"â€"- igilg: , seldom cover all U.S. Y slung-mimic“â€" ‘ ' ‘ as," health care costs. Myth-(la t 4 a - ‘ u ' i 3&3! . Avoid ï¬nancial stress _ . H a 3 if is: by purchasing out-Of- Arrange to have every ~ - __-_ is 4 $53 country medical aspect of your ï¬nancial life ' IL, g-s it, insuranceléeforeleavé actively managed while ' - z : = L 3 ing Cana a â€" an you're away. You can do “WE ï¬ {a q swaaa a iiiiiiiiii mugggmgcmr- someogwoursemcom- . i i new , - m 5 age - puter. ut managing your ', t ~. “a; an I ‘w W» . S 9'3 g Remember to find portfolio of mutual funds = i a ' ’ Jg’." “FUEL“ z; i _ j “if; â€",. . . gégii ‘gi out how long youcan and securities and other ‘ -, 535 311ng ‘ ï¬r _ ‘ywe n ,_“'-~ Q}... M; â€"_ ,,-"’ 15 Vf‘rjï¬â€˜ï¬. ,.‘ my ',._i_ a He“. ~), 5 5 gggig stay out of the complexities of your ï¬nan_ ‘ it ; p _ province without cial life from thousands of _ _ i .. a as; jeopardizingmlyour miles away is a real chal- M" W 5 no ; “0-H. g - provincial he cov- lenge that can cost you real c m w m 1 mix-Pi- 3 3 gig £33â€? erase as all provinces money in missed growth \t.‘ on! f my i m 1 ‘w w 1; £58 3 is arediflerent. opportunities. Opt instead .. 5 \ Q m s tum. ; â€I j- . was}; "13; fora trusted “home-based" ., ' _. I“. x/ __ J mm 3353313}; new-armed _ ï¬nancral manager. . . '. is §“_ §§ Update your will â€WWW“! . a“, . m 3353; flag and PowerofAttomey , â€"-â€"-â€"~ ‘ â€"â€" . m i, § before you leave â€" Before you leave. pay uni-una- , ~ k , ‘ “mm a... ‘ 42 a £2; that's even "10"! outstanding bills and make V _ , .v 3:4: , , r ’ ' “fly“ m “a“; 7 41 4-4353. important ifyou own arrangements to pay those gig? I r 3 a â€Si Pmpertv. Death that will amve while yrlzu re . _ .... ~ 5 in a oretgn country enjoying the sun â€" per aps a." a if “9&1'"? (ff .// jig 1“ iii can complicate estate through Internet banking. w . _ gnu-m m f â€at“; ,_ . 3 r s; it? issues. Be sure your An ATM card for ready cash “my urn-m no. : â€an“ an , : I I, l I 3335? relatives or executor is agood ideaâ€" and so is 4 . g (I . i know where to find havmg a duplicate card in . . . ., - _ i. s l' 5- Power of Attorney to it stops working. . ~ “w“ __ > . J M ' J t g g t 3 f a“, appomtatrusted per- Well.snowbirder,thatsa _ A f: 41.“ g.» t.» 3:5? 433“ ; fl “ wk“ ‘ f" 5 g , Y Lyâ€: a if fags“ ,( ., gthia, 4; g ; iifl'g g son to manage your lot to think about _- and do i . . ,_ , , _. l. .. N A. , n . . ilfiigg : ganadiasibased ~beforeyouleave 1 . , 7 ‘ a ‘ ._. nances w i e you’re Simplify your planning . {Kw ï¬ â€us-w ‘ (if 133 â€5:3; away. and ensure your ï¬nancial Q _ > . 7 .‘ union‘s-m- m $3! gs ‘! I You mag vaam a foundation will be there r -, ' gun m run-t. _, an r N l " awyer int e oreign when you return by talking ‘ ~ ; ., , . 7 is _ , , - W M w a (551; g country to review to your professional advisor -’ " W~ '-=‘~ it h" ’ our will to ensu bef k f A ' ~ - ‘ w»- 4â€" ! 3,34“; ease of transfer on: serge?! {giftgzcthi‘t’ufozugf - _ 81m f t= bim- m.) " ' an.» m We“ hf†‘ m Ex“ . tuna-ec- ~ ~- - _ i, »..g 3 31 “MW 0-- * » ‘ i If “Hi niacdwnnisprwidad a 3 n The United States byMcEachnchnmp yiznrg‘ E (and some other Mariam 5‘ ‘ 3 i 9! countries) require you Mm; In; H“? to ï¬letuformsilyou ContactRunMcEachnie. spend more than six (rpm com van-unwou- â€lg; is ' mnthlthettJndud- at5l$-8&B-2£0.m24l £3:- * m an. ’ i l!†minnt’eexezlmemr m argon ml "in“ “M munâ€"u ‘ a r“ m www. «amnion m dicing“ W'ks maï¬a-n iniifl A! the you'll be my “ “Ml"mh’l‘l n - â€We. m.Wa mmu end Of AP,“ It.“ a W A,“ __ A‘___._â€"____________.___.__.J