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p14 weekender february 15 1997 stux were on the move thanks to our customers we have outgrown our office space and are moving to a larger location please come to visit us at our new home have a cup of coffee and fill out a ballot for our free draw of 2 tickets to a leaf game our new address is a 117 ringwood drive unit 14 stouffville 6425874 mbiifey talks keep records of us gambling wins or losses you may be able to claim it establis pine ridge insurance thinking rrsp thihics financial services personal attention and sound financial advice from professionals committed to your community ken prentice clu cfp crm fiic ownermanager yhelma creighton branch administrator scott frank asa maaa associate actuary 18 ringwood drive stouffville 905 6429507 gics rsps mutual funds lifehealth insurance mortgages annuities group services risk management individual pension consultation tax preparation your investment and retirement needs plus our personal investment managers equal a wellplanned financial future chris simpson 9054288609 scotiabank personal investment managers like chris simpson are focused solely on your investment and retirement needs we would be pleased to sit down with you help you analyze your current investment and retirement plans and advise you on what options are available to you to help secure your future please call us to arrange for an appointment scotlabcank did you win money in the us last year if so you may have had us tax deducted from those winnings and you may be wondering whether you can get it back until 1996 there was usually no tax relief available in such cases however the new canadaus tax treaty blueprints i mircf five plans to help you build a richer retirement if- please join me for this special rsp planning seminar plan now to attend my free rsp investment strategies seminars currently scheduled for wednesday february 19 1997 at 700 pm 5140 yonge st suite 2120 north york at mel lastman square guest speakers gerry le ramos investment advisor to book your place call rose zaccaria at 416 7335707 rbc dominion securities personal wealth management visit internet wwwrbcdsi endorsed by tlie investor v centre ofcanada and the the investing course for every canadian intelligent investing take charge of your financial future in six relaxed seminars how to plan for your financial goals how the investment industry works how to study and pick stocks how to understand the bond market how to select a mutual fund how to plan for retirement nonpromotional lots of reallife examples explained in plain english approved instructor john niekraszewicz b math fcsi tuesdays march 18 to april 22 1997 700 pm to 930 pm place markham community library hwy 7 markham rd cost 16500 for moire information call 9052941200 canadian securities institute has changed some of the rules as a result you may be able to obtain a refund of some or all of the tax withheld for 1996 and later years new article xx1i3 of the treaty allows nonresidents to deduct gam bling losses from gambling win nings in the same way as residents this means that tax is payable only on the net amount not the gross amount of your winnings however to take advantage of this provision you must be able to prove the amount of your losses this means you must keep an accu rate diary of your losses and win nings and save all your gambling receipts tickets and statements since proceeds from blackjack baccarat craps roulette or big6 wheel are not taxable to nonresi dents any wagering losses incurred from these games may not be claimed however you may claim losses from keno slot machines table games poker wheel of fortune etc bingo racing and lotteries to substantiate your losses you must keep a diary which includes the following information the date and type of your specific wager or wagering activity the name and address of the gambling establish ment the names of other persons present with you at the gambling establishment and the amounts you won or lost in addition you should keep all supporting documentation such as wagering tickets cancelled cheques credit records bank with drawals and statement of actual winnings or payments slips provid ed to you by the gambling estab lishment losses can only be deducted to the extent of your wagering gains during the year and may be claimed on the 1996 nonresident tax form 1040nr as a us nonresident there is no other way to obtain a legal refund of taxes withheld there fore when you head south for some gambling fun you may wish to keep a diary and save all your gambling receipts just in case you hit the jackpot while you may not want a reminder of your losses it may save you some taxes if you win later on this article was submitted by stouffville and uxbridge hr block and helen davis bankruptcy why face it alone cau murray rideckil trustee in mmuwta personal business bankruptcies personal proposals owhtown 41lf7l43h 27brikmst m045mm hqmmul sauaommwm 4h 7577515 4sfrfaonawl omuwa m5 5741924 17 cog sire t 95822434 30 wtftntiai 01 705722419 93 id torn u sit 3 free initial consultation