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| { <J8- PORT PERRY STAR - Tuesday, February 25, 1997 "Scugog's Community Newspaper of Choice" Personal Income Tax shouldn't be so personal.... Share it with us. Your future can't be settled in 10 minutes and you can't afford to make costly mistakes. Make sure you're getting all the benefits you should be - At Shepherd & Powell we get to know our clients personally and help them make decisions that affect their future. We deal with A banks, lawyers, and assist with ~~ TAX CreiTaen "- Ut ' estate, retirement and financial planning as well as personal income tax preparation. Explore your options and talk to us first...we're | SHEPHERD & POWELL | 250 Queen St., Port Perry, L9L 1B9 (905) 985-9791 Chartered Accountants ... and we're here for you. 412 Bay St., P. O. Box 699 Beaverton, LOK 1A0 (705) 426-9971 Fax (905) 985-4103 Success best measured 1 patient step at a time Warren Buffett i is wide- ly regarded as one of the most astute and success- ful professional investors of all time. He started out in the 1950s with an inher- itance of $100,000 or so. Today, he is ranked the second richest person in the United States with a net worth of approximate- ly $12 billion. Warren Buffett is an ex- cellent model for the aspir- ing investor. And if you're like most people, you prob- ably wouldn't mind being a bit like Warren Buffett yourself. But the truth is, some people are successful investors and some aren't. In fact, two almost identi- cal people investing in similar stocks or mutual funds can experience very different investment re- turns over their lifetime. Often, the key to what differentiates their perfor- mance is planning, pa- tience and - long-term thinking. These are sim- ple virtues to possess and simple words to say -- but they can make all the dif- ference to your overall in- vestment success. Let's therefore examine Both Canadian and foreign markets offer a substan- tial number of investment opportunities in new and established companies representing many industries. For more information on how you can maximize the growth potential of your RRSP through both Canadian and international investments contact: Robert J. Gow some steps to consider when you are discussing your financial or retire- ment goals with your ad- visor. Don't forget: if you are prepared to examine your personal and finan- cial goals carefully, you will have taken the first step to increasing the probability of your invest- ment success. Five Key Steps to Achieving Your Invest- ment Goals 1. Clearly identify your overall investment goals before you begin to invest. You are unique. Your per- sonal lifestyle and finan- cial goals are unique. And you have your own rea- sons for investing, specific financial resources, in- vestment time horizon, risk tolerance, aptitude and understanding of in- vestment products and ul- timate financial needs. So first get to know yourself -- your needs and future goals -- before you begin to invest. Consult with a pro- fessional advisor who is skilled at listening and knowledgeable about your investment options. Then along with your advisor. choose the investments that meet your objectives and are most appropriate for your present and fu- ture needs. 2. Once you have as- sessed your investment objectives, don't wait to in- vest -- get time on your side today. Research has confirmed that it is diffi- cult, to say the least, to time the market -- in other words, there is no perfect time to invest. So once you've assessed your goals, don't wait to invest - - do it now. That way, you will be harnessing the power of compounding over a greater time period to make your investments grow. The proof -- an in- vestment of only $500 per month, earning 10 per cent compounded annual- ly, inside an RRSP will be worth over $1.1 million in 30 years. 3. Invest regularly, not just once a year at RRSP time, but on a periodic, disciplined basis. Even if you can contribute only a small amount of your mu- tual fund investment pro- gram on a regular basis, Turnto Page 19 a | ' I v I 1 ' | v | I | re you taking full advantage of the world of ! ROWE & 'ROWE I investment opportunities offered for your ! ACCOUNTING SERVICLS Mois A Contract out your office duties at reasonable rates | : | a Current legislation allows you to invest up to 20% J I of your RRSP abroad. By allocating 20% of your RRSP investments to for- ! form $2, | eign securities and 80% to Canada, you can seize I OTHER SERVICES WE PROVIDE: | . } a Computerized Bookkeeping; Payroll Service; T4's; Gov't filings the opportunity to achieve significant (and balanced) ! Office Setup: Compr, rn Saline & Training financial growth. Phone: (905) 985-9981 EMAIL: rowett@cysys.com 434-7156 or 1-800-267-1522 111 Simcoe St. N., Oshawa, ON LIG 454 Member C IPF RBC DOMINION SECURITIES Personal Wealth Management™ CASHABLE 30 day Rates subject to change without notice SCUGOG FINANCIAL SERVICES A DIVISION OF CRESSBROOK FINANCIAL PLANNING LTD. 250 QUEEN STREET - PORT PERRY "Serving Scugog for Over 15 Years" P HONE 985-3832 - No Fees Fidelity Investments Each Fidelity Fund has a simplified prospectus. Obtain a copy of the prospectus, read it can and consult your advisor before investing. ssh coon: