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l st tribune february 7 1996 p 11 lental health and pro i posture reat aerobic ig at a com- at 50 yards 100 yards cycle until 3ut 20 min- ir start to feel df breath you extend the ninutes until thole 20 miri ness can be r days or on requires only ind clothing pg or a cas- iphones and ting music replenish your body with plen ty of liquids especially when exer cising indoor centralized heating as well as the dry cold and biting winds of winter air can dry out your skin drinking lots of water will not only cleanse your body of toxins but will retain the moisture bal ance in your skin remember fight off those win ter blues by maintaining possibly increasing a commendable fit ness and wellness program dont be afraid to indulge in new activi ties when the opportunity arises snow skiing perhaps challeng ing your body in new and differ ent ways will help you develop to your maximum potential and be the very best you can be weammmm if you work out at a gym or health club and want to fit in both aerobic and weight- training workouts do the aer obic exercise first this will prepare your body for the session with the weights by boosting circulation and body temperature and warming up muscles in two omes a crowd lose those pounds without losing heart and do it together personalif d weight management can join for the price of new members full programs excluding products apply some smarts plan now for retirement years maxwell smart a 39yearold secret agent has been encour aged by agent 99 to plan for his retirement the first step according to agent 99 consists of finding out what hell need at retirement hell need to call a financial planner to calculate this sum for him or access one of the many software programs available mr smart would like to retire at age 59 he figures 5000 a month before tax 60000 annually will provide him with lots of fun until he bites the dust at age 80 with inflation running at about three per cent hell need over 9000 a month at age 59 in order to equal the purchas ing power of 5000 today all in all hell need to be a millionaire he will need a total of 13 mil lion by the time he retires resenting the government for all the silly assignments they gave him mr smart always contributed as much as he was able to his rrsp 9000 annu ally he didnt want to give the government any more taxes than he had to his rrsps total 99000 and because hes as intelligent as his name implies he figured he would earn a nine per cent return by doing this hell be a millionaire by the time he retires but hell still fall short by about a quarter of a million dollars his financial analysis showed him that if he invests 389 per month hell be able to secure the comfortable retirement he so longs for at first mr smart was over whelmed by the big number projected but when he realized that 389 a month was all that was needed he knew he could do it he immediately called agent 99 from his shoe phone and said i will be ok i am going to have a retirement the moral of this story is know where youre going how to get there isnt always as difficult as it seems this article courtesy of monet concepts 6132 main st stouf- fville for more information call 9056424540 what if i fill out the form wrong what if i make a math error what if i misunderstand the instructions what if i forget to file for the gst what if i file incorrectly for the child tax benefit what if i use the wrong form what if i dont include receipts call hr block at phone here because its your money hr block the income tax specialists the financial planning group book a complimentary financial review with ron gerry and receive free the brian costello video maximum wealth minimum taxes make an appointment today reserve your copy of this exciting video a must for rrsp season supplies are limited so call ron today for further details 905 6428371 imperial centre 37 sandiford drive suite 204 stouffville 905 6428371 f brian costello vide maximum wealth minimum taxes donna painter a simple message that in reality can sometimes be very difficult to follow and thats where i can help ill work with you to build an individually tailored financial plan thats right for you from reducing your taxes to wealth building investments to retirement planning a comprehensive financial plan to help build your wealth is key why because youre worth more call me at 9057378966 9056493417 p investors mn group sssr yen rut- wxmi mom