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i i i p24 weekender december 111993 1 creative retirement and financial planning 1 er b 40 years experience as a financial advisor bjfh h ab nisker retiring need to convert your rrsp fund w sjewmkijm allow me to assist you in designing and mi jjfe m ma b8 structuring your personal retirement program flflf- rrsp- annuities tax sheltering gc 1 m 7987207 f fm jh cosburn griffiths brandham financial services inc stux featuring sat dec 11 ousccofconniugh 1825 the carpet frogs for information on these and other events at the duke phone 4725704 5 washington st markham duke markham pub restaurant seafood sand ctnem3ws 3f wrfiot wholesale ch4j1i up to 70 discounts cash carry opocm to the public bft4qoisjgayoot amo chbs ttfewsjay whoe pftteass j m henry enders jl presuced smoked m lowest price in canada i -jej5fts- j is sliced smoked smoked i isalmon 1 salmon i 999i lowestpricewywhere 129569 i 999lb m evehyday wholesale lhagendaz i ice cream i i 319 if cash scarry t jjmit 2 with coupon j black 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your advertising needs limited partnerships save taxes in recent years one of the favorite yearend tax savings prac tises was to load up on tax shelters or limited partnerships as they are often called some were great many were absolute disasters usually because investors raced in at the last minute scrambling to get whatever was leftover its no different this year except that theres more demand because of our higher tax rates however the selection of product if you choose the right one offers a better chance for profits as the economy is beginning to improve how do you pick an up well the first thing is to never wooko correction notice in the moonlite madness advertisement in the wednesday dec 8th edition of the markham economist sun the size of the humpty dumpty chips at 990 all day and 790 11 am 12 am should have been 140g not 180g as stated we regret any inconvenience this may have caused our customers woolco stores great gift ideas warehouse sale all waterskis clothing and accessories at 30- 50 off prices even scrooge wouldnt miss obrien connelly bare wetsuits rayban mossimo stoked ff b etc 1 55 east beaver creek suite 4 richmond hill 53 at 404 hwy 7 9057316082 sale hours monthur 1w j7kf frl 107 sat 105 sun 125 ijj your money brian costello deal directly with the developer or promoter i cant imagine them ever giving you unbiased informa tion its better to deal with an inter mediary like an independent financial planner they sort through hundreds of these offerings if and it some times is a big if they do proper due diligence they should settle on a couple of good ones each year ask to see that they have done sub stantial due diligence and not just received a corporate finance fee plus commissions what sectors of the economy are best well lps used to zero in on real estate but i think real estate deals especially in ontario are still suspect mutual fund lps though have proven to be a fantastic source of tax relief and tax deferral they raise millions of dollars to pay com missions to salespeople so mutual fund purchasers dont have to in turn the lp purchasers get substantial tax relief over the next three years while also sharing in the mutual fund companies earn ings there isnt a lot of risk with these plans when you understand how they work movies are making a comeback i saw a deal this week that required a 28800 payment this fall which could be borrowed by the way the purchaser received 103585 in tax deductions which meant a tax rebate of almost 55000 in addition to the tax savings there were good profits to be made the average rate of return over the next three years is greater than 44 per cent in addition ive seen two attrac tive looking computer software offerings software programs are depreci ated report government rules at 100 per cent as a class 12 item as a result you get large instant tax relief one of the most attractive offer ings i have seen provides protec tion against a further decline in the value of our dollar plus protec tion against losses while also posi tioning investors to share in sub stantial potential appreciation the united states real estate markets are on fire interest rates are at thirtyyear lows their econo my is much stronger than ours and unemployment numbers are tum bling south of the border as a result people in the us are buy ing real estate before prices rise too rapidly a toronto company med- star has a project called south beach marina apartments in san francisco the investment is in the us so investors profit from any depreciation in our dollar but because its actually a canadian investment you dont have to worry about us estate taxes the units are sought after because of the location so if s 97percent occu pied as a result investors arent buying a pipe dream the oil and gas industry is the other area that provides tax relief while also offering promise of sub stantial gains this is boom time in alberta huge profits will be made federal and provincial govern ments offer sizable incentives to search for and deliver oil and gas world oil prices have fallen sub stantially so visage will increase new technologies make it less expensive to recover fjiels at the same time as the us are buying all the canadian natural gas they can get be careful though tve seen some oil and gas fund offerings where 30 per cent or more of the funds went towards marketing commissions underwriting and other costs id rather invest in the lean ones where much more of the investors monies is actually invested that way theres a better chance for profitability s t r a y e d 1 e d n a c h 1 p p e w a 0 r a t 0 r y t r e e r e r a 1 l 0 r p 1 c t u r e s h 0 w s e x c t 1 0 n s p e a rhs h 1 n t 0 n 1 l e par e ea c e p 1 a n 3 s t 0 0 l 02 m a n t h 1 l l m t g 1 e a r l e t a r t s e t s e w e el 3 t r a d s t 1 e s s t r u m p e il w i t t l e s e l e c m a 1 m e d d o r e s m e t a e p t e t j 0 k 1 r s p c s p r 0 m p a tl p 0 t s h 0 t l c r 0 w t s p r me hi h a s t tli ib h 0 n e a v 0 1 d l 0 s t 1 n e t t e w a s h 1 n g l m p a l e d f e a t a s k 1 n g d a ml t e r e a s c 1 s t 1 n g l e g nb humid n e t t e p 0 s t s e a s 0 b 0 p 1 a v t 0 m e 0 h 1 0 a nht 0 0 r a c 0 m p 0 s e r p u z z l e 5 i 0 l v e r a l 1 e n 1 s t a g e e 1 s l v e n t r e a g e n t sb r 0 t s s v 1 e e n e y 18004611821 300 taunton rdw whitby cum gardens miniature alace jv