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p14 weekender saturday november 15 1997 build wealth through preauthorized cheque plan investing many canadians take a gram at the end haphazard approach to finan- of each month cial management its a pay- they service their debts and cheque tq pay- obligations first then make cheque mentality discretionary purchases and and hope that something is left over to contribute to their savings and investment pro- flnance planned investing by install ment is different a preauthorized chequing plan allows you to invest arrr n i f i n effective december 1st 1997 new hours stouffville credit union 6245 main street stouffville ontario l4a 8a1 monday 930 400 tuesday 930 400 wednesday 930400 thursday 930 700 friday 930 700 saturday 900 1 00 unionville credit union 4560 highway 7 unit 600 unionviile ontario l3r1m5 monday tuesday wednesday thursday friday saturday 930 400 930 400 930 400 930 400 930 400 900100 we make hanking friendly branches of gta savings credit union our cachet centre branch at woodbine 16th ave is open to serve you take advantage of these three moneysaving offers 2 cash back on mortgages m gtve you 2 of the mortgage balance n cash u i u100 000 well give you 2000 in cash deposited wgiiiii use l joney for jgg wantafter all its your money -ss- i i rsps- mm l wmm i g1 fyeatures w nun speed 9255 woodbine at 16th ave phone 9c58872811 hours 930600 montowcd 930800 thursfri 930300 sat i canada trust offers valid from november 1 1997 to february 28 1998 some conditions apply lo these offers the above offers my be combined wth each other but not with any other offers or discounts complete terms and conditions in branch offers may be withdrawn at any time without prior notice organizations and businesses are not eligible transfers from existing canada trust accounts are not eligible offer valid while supplies last sony is a registered trade ma of sony from v our bank or trust company account into the managed mutual fund or funds of your choice before you pay your monthly liv ing expenses its called the pay yourself first strategy and it works to pay yourself first we recommend setting aside five to 10 per cent of your gross income from each paycheque every month directly lifestyle probably not in fact chances are you wont even miss the money down the road however youll be able to live more comfortably you also have the option of increasing or decreasing your investments at any time at no cost to meet your changing needs or cancelling the plan at any time without paying a penalty it is strictly voluntary you can choose to open a pac inside an this could equal rrsp or a registered 850 200 or education savings 1000 depending plan or you may uti- on your income lize a pac plan will this affect your through a traditional pat robinson op 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 905 5089493 905 7272577 email patpatrobinsoncom web vwwpatrobinsoncom unsheltered investment account small but regular investments can make a big differ ence to your financial future your investment benefit is from the power of compound growth for exam ple for a period of 20 years an annual investment of 6000 made at the end of each calender year which earns a hypothetical and steady return of 12 per cent would leave you with a total of 432315 alternatively guaranteed lowest cost ten year term life insurance premiums nobody beats our rates monthly rates guaranteed level for 10 years call for lowest rates for smokers call for lowest rates for 51520 year term age 35 40 45 50 55jp mm 65 male non smoker 500000 2115 2970 4860 7785 11700 19260 35010 female non smoker 500000 2115 2115 2970 4860 7785 11700 19260 call cyril gerson insurance 905 7646924 member independent life insurance brokers of canada fthvays do htyjht ihis wilt gratify some people and astonish the rest marltwainlsol get the right advice on growing and managing your investments plan your rrsprrif contributions now and profit today contact richard box at 4164874708 or in markham at 9054711421 id evergreen wealth management a diitttn ttfto sftmrthc imi atrimark mutual funds cosponsored by trodemorlc of the torontodominion bonk td securities inc tdsi o subsidiory is o licensed user tdsimember off using month ly install ments of 500 to make the same 6000 annual con tribution for two decades produces an extra 23291 in gams by invest ing through a pac plan you also receive the benefits of dollar cost averaging a strategy which can help to reduce the total price paid for your portfolio and ultimately to build better returns dollar cost averaging means mak ing a fixed and regular investment on a consis tent basis over a long period of time regard less of the price of secu rities the emphasis is on the accu mulation and growth of the capital over the long term additional ly all divi dends are reinvested which allow for further growth consider this approach now for your rrsp so youve got cancer for cancer patients their families and caregivers for your copy no charge contact your local canadian cancer society office or call our cancer information service at 18889393333 v