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j wekend0aawrefayogtobet8rw97p1 three options for converting rrsps in the 1996 federal budget paul martin the minister of finance announced a major change in the rrsp maturity rules martin lowered the age at which canadians have to collapse their rrsps from 71 to 69 this is the transition year when those who are 70 or 71 must also covert their plans to an income generat ing alternative therefore if you were born in 1926- 1928 you will have to collapse your rrsp before december 31 as many as 400000 canadians will be unwinding their rrsps almost triple the usual amount so if you wait until year end there may be delays with the paper work and finding someone with the time to give you good advice may be tough in addition dont forget to make your maximum allowable contribution for 1997 before december 31 because if you wait until the usual deadline your plan will no longer exist as you sift through the options for maturing rrsps you will discover there are three alternatives completely deregister your rrsp to receive a cash payment in one lump sum this option makes the least sense since the entire proceeds of the rrsp become subject to taxation at your mar- ginal tax rate preemptying the possibil business ity of future tax- sheltered growth convert the rrsp to an annu ity an annuity provides a guaran teed income stream for life however the income stream will depend on the interest rate that prevails when you convert your rrsp if interest rates are high this alter native could be compelling with interest rates as low as they are today locking in a less generous rate for the rest of your life may be much less appealing convert your rrsp to a regis tered retirement income fund this pat robinson gip 9555 yonge st 401 at weidrick richmond hill 9055089493 email patpatrobinsoncom trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy financial counselling 15139 yonge st at church aurora 9057272577 web wwwpatrobinsoncom is the most openended choice you can choose to hold the same stocks bonds mutual funds and 20 per cent foreign con tent that made up the rrsp a rrif plan does oblige you to withdraw a min imum fixed percentage of the plan each year rrips permit you to tailor your income stream to your changing finan cial needs another advantage of a rrif is that you never tie your hands by excluding the possibility of purchasing an annuity or cashing in your retirement savings at a later date if you are unsure about whether the current rate of interest will prove suffi cient to sustain you during retirement your best tactic may be to transfer your rrsp into a rrif and wait for a better opportunity to purchase an annuity this article was submitted by richard box of td evergreen bankruptcy why face it alone call murray kideckel trustee in bankruptcy personal business bankruptcies personal proposals richmond hil1 9058822436 30wertheimcrf downtown 4169716396 27 carlton st scarborough 4167577535 oshawa 9055761926 brampton 9054536881 barrie 7057226398 free initial consultation sportswear leisurewear officewear i if ladies designer discount fashions warehouse sale ery w ladies ladies ladies tired of going to warehouse sales and having no luck we gun int se you wont be disappointed current fail merchandise designer labels great prices excellent sales staff we mr size 122 y brand names wwv current fall nierchandis last 6 days w m w v p ia m u o closing thursday oct 23 8 pm g hurry b che usout beopm its t0 late store hours monday friday 1 0 am 8 pm excellent selection tea pa w o m in co saturday 10 am 4 pm closed sundays or cash tt i- sportswear i new bright location 4261 hwy 7 the shops of unionville former bb bargoons location beside royal lepagc tel 905 9441341 4 d man 6 him 2- co co oefigewear i dont know jokes i just watch the government and report the facts wil rogers for the facts on wealth management contact richard box at 4164874708 id evergreen we a lt h ma n a c e m e nt w trademark of the toronloeominion bank td securities inc tdsi a subsidiary is a licensed user tdsmember qpf performance is its own reward of the hundreds of mutual funds to choose from few can boast the consistent performance enjoyed by the agf growth equity fund led by bob farquharson the agf canadian equity management team has put together a diversified portfolio of over 150 companies with over 30 years of experience bob farquharson is one of the investment industrys most respected money managers there are lots of onehit wonders out there but very few great performers for more information please contact your financial advisor croup of funds important information about the agf group of funds is contained in the simplified prospectus please obtain a copy from an investment advisor or agf funds inc and read it carefully before investing unit value yield and investment return will fluctuate designed by agf funds inc r e a i o n notice of public meeting class environmental assessment st johns sideroad yr 26 from yonge street yr 1 to woodbine ave yr 8 towns of aurora and whitchurchstouffville the regional municipality of york is studying transportation problems along st johns sideroad from yonge street in the town of aurora to woodbine avenue in the town of whitchurchstouffville see study area map the study follows the class environmental assessment process for municipal road projects this means that public input will be sought throughout the study for incorporation into the preferred solution the second public meeting is to be held as follows date tuesday october 21 1 997 time 645 pm to 900 pm location cafeteria main floor york region headquarters 17250 yonge street newmarket at the first public meeting held on june 24 1997 participants identified problems within the study area suggested possible solutions and highlighted important factors to consider when evaluating solutions the second public meeting will allow participants to analyse and evaluate the alternative solutions produced at the first public meeting based on a number of key factors to determine a preferred solution regional staff will begin the meeting at 700 pm with a brief presentation which will then be followed by a working session that will enable participants to analyse and evaluate possible solutions to the stated problems based on a number of important factors if you have any questions or are unable to attend the public meeting and wish to provide comments please contact mr dino basso the regional municipality of york transportation and works department 17250 yonge street box 147 newmarket ontario l3y 6z1 905 8951200 ext 5090