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pi 6 weekender saturday october 25 1997 continue building retirement income even after retiring bankruptcy why face it alone call murray kideckel trustee in bankruptcy personal business bankruptcies personal proposals richmond hill 9058822436 30wertheimcrt downtown 4169716396 27corhonst scarborough 4167577535 oshawa 9055761926 brampton 9054536881 barr1e 7057226398 many people think once theyve converted their rrsps to a retirement income option that theyre finally done with managing their investments they are incorrect todays smart seniors are managing their investments even more actively than they did prior to their retirement thanks to the builtin flexibility of registered retirement income funds a rrif is essentially like a rrsp in reverse instead of making contributions you make withdrawals free initial consultation patrohinson gif trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy financial counselling 9555yongest401 15139 yonge st at weidrick richmond hill at church aurora 9055089493 9057272577 email patpatrobinsoncom web wwwpatrobinsoncom the 98s are here and love is in the air t he 19 9 8 nissan m axima lease jhhb 369 per month for 36 months fully equipped with over standard features including 190hp dohc v6 automatic transmission automatic climate control air conditioning premium amfm stereo with cassette and cd 6 speakers 100watt max output power everything keyless remote entry with security system dual airbags 8way power drivers seat heated front seats and more the 19 9 8 pa th fin tf er c h i i k 6 o t trail edition lease per month for 36 months fully equipped with over standard features including shiftonthefly parttime 4wheel drive large p26570r15 allseason tires air conditioning 4channel antilock braking system limitedslip differential premium amfm stereo with cassette and cd 6 speakers 100watt max output power everything carbonfibre instrument panel applique fog lights dual airbags rear air deflector electronic digital compass ambient temperature display and much much more life is a journey isamj enjoy the ride 4600 hwy 7 village 905 at kennedy rcl by pass markham nissan 4773337 ijinilfcllimc offers special nonoasease 36month leases on w maxima cxk lmkc7k ckoo a1k 6k a month with down payment 2 or equivalent trade pathfinder chilkoot trail 5ckc5h aaoo aik 6k s3c9 a month with down payment 2676 or equivalent trade 1st payment 369 security deposit s425 due at lease sinninjj option to buy at lease end maxima ik377 chilkoot trail 224 10 based on max of 60000 km additional km charje of sookkm if applicable all offers through nissan canada finance inc oac and exclude freight idi license iasurince and taxes you continue to earn taxsheltered income on your remaining savings so maximizing growth in your portfolio will be as important as ever although some people are retiring as early as age 55 they are also fre quently starting a second career and are continuing to make rrsp invest ments right up to the mandatory con version age of 69 thats when you must roll your rrsps into an income option but whether you convert at 69 or earlier you should recognize that your income will be affected by several factors these include continued cutbacks in government benefits and services inflation and the fact that people are living longer you need to squeeze every last penny out of your savings keep them working for you as long as pos sible said bernard roy assistant vice president of retirement services at canada trust only a rrif makes sense for todays seniors with todays low inter- high school students you gah still earn credits this semester durham learning academy an alternative private education high school is offering a 10 week 2 credit course package nov 13 jan 27 earn 2 credits in just 1 0 weeks low studentteacher ratio individual academic needs recognized pickering whitby locations call 9054048097 to enroll space is limited in association with sylvan learning centre better grades are just the beginning est rates life annuities just dont cut it and who wants to pay tax on the whole amount of their rrsp savings at age 69 when they can just as easily manage their investments and income from the taxsheltered advantage of a rrif plan for growth risk management is even more important with a rrif than an rrsp and you should make sure your port folio mix is still appropriate for your current situation a lower risk tolerance doesnt mean you have to put all your eggs in one lowrisk lowyield income basket there are three key factors involved in maximizing the growth of your portfolio asset allocation divid ing your portfolio among various asset types such as stocks bonds gics market timing buying and selling at the right time and selection carefully selecting individual investments in each category of these three factors smart asset allocation offers the high est potential for improving your returns your financial services provider should be able to walk you through an asset allocation model to determine the best approach to minimize risk and maximize growth in your rrif stagger yoitr maturities some people prefer to place their rrif solidly in interestbearing securi ties such as gics and bonds but there is still the worry of guessing which way the rates will go to elimi nate that a staggered maturity plan takes the guesswork out of investing start by spreading your maturity dates so you have approximately 20 per cent of your money coming up for renewal in each of the next five years then by reinvesting your money back into fiveyear terms you can obtain higher longterm rates clearly you should begin to plan for your retirement well before you turn 69 youll need to review your monthly income and expenses how much will you receive from other sources youll also have to decide whether you have the time and the skill to man age your own portfolio i m jerry white of cfrb radio s lyn campney of fortune investment corp his estate panel fortune investment your rrif your life 2 free rrif estate planning seminars of crucial importance to seniors and their children join our estate panel on october 27th to learn how to avoid expense traps that can eat away at your assets and deprive your loved ones of the security they deserve the top 10 strategies to beat the taxes on your estate wills powers of attorney personal tare living wills how to maximize the siie of your estate how to unlock hidden assets in your estateand more then join jerry white on october 29th to learn 25 key strategies for income rrif rollover success the mistakes to avoid when converting rrsps to rrifs how to maximize your retirement income how the seniors benefit will affect your financial security what to do now to avoid paving clawback taxes how to withdraw money from rrspsrrifs taxfree 2 free seminars please join us jerry white wed oct 29th lpm embassy suites hotel holly rm ne corner of hwy 7 warden ave estate panel mon oct 27th 7pm aurora golf country club yonge golf links dr agf h h umitid seating 10 reserve your free seats gall 416 4124327 24 hrs