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p6 tribune tuesday december 2 1997 st we put a world of mutual funds within your reach its not easy being an investor these days with so many options the world of investing can be confusing and most financial institutions just dont give you the personal attention you need fortunately theres a better way investors group worldwide financial ex for over so years our investment philosophy has been to outperform the market year in and year out our investment advisors at home and in financial capitals around the world have pursued this goal by searching for new and better investment opportunities and now weve added mutual funds managed by selected industry- leaders to our own investors series of funds worldwide fund opportunities you cant get anywhere else helpin you make the rig decisions at investors group you get your own personal financial consul tant someone wholl get to know you your needs and your goals wholl be there for the longterm helping you sort everything mutual fund families investors group gives you the best of all worlds our personalized approach means you make the right decisions while our investment solutions give you consis tently strong perfor mance now and in the future this is why canadians trust us with more mutual fund invest ments than any other company beutel goodman sceptre rothschild merrill lynch investors group investors croup yovre worth more investors group financial servitts inc mutual funcfs guciitinleicl hlveitnieiui rrsps insurance mortgages tim whelan cfp region manager for more information on a world of mutual fund opportunities call us today phone 18008487229 4l6 2927229 available only through gta savings credit union jttir fjl t cuna credit union don mills 416 445 0400 stouffvillc credit union stouffvillc 905 640 281 1 uxbridgc credit union uxbridge- 905 852 3388 unionvillc financial services centre unionvillc9059401147 christmas causes biggest credit card bill of the year the christmas rush is upon us again we make our lists check them twice and then run out the door and rack up the largest credit card bill of the year many of us tak ing until next may to pay it off some of us never pay ing it off this is certainly a very difficult time of the year from a financial point of view there are however cer tain steps you can take to avoid the bills after christ mas before you purchase anything paul sampson author of taming personal debt mcgrawhill ryer- son 1997 stressed that we must consider the fol lowing how much cash have you saved towards these seasonal expenses how many gifts do you finance need to purchase and for whom how many addi tional charita ble expenses will you have how much will the company parties and holiday get- togethers cost how many other annual bills do you have at this time of the year will you have travel or vacation expenses over the holiday season keep in mind that rrsp season as well as tax time are just around the corner once you have considered these expenses it is easier to determine just how much you can really afford to spend on gifts prepare a budget and put a value on each gift and stick to your budget if you are cre- my wife and i try to do our shop ping in october and november to spread some of the expenses over a few months and avoid the crowds in december paul sampson ative perhaps you can make some gifts such as seasonal bas kets or crafts though hand made gifts may take more time they can be sub stantially less expensive not to mention fun to flyer inserts for tuesday december 2 1997 shoppers drug mart stouffville ida white rose 241 pizza the bay christmas iv ringwood electronics churchill church eatons growmark stouffville coop selected areas only were first in distribution weve delivered 46670618 flyers doortodoor so far this year for further information on how we can deliver your flyers call melissa or ruth at 905 6402100 the tribune 80 of canadians arent happy with their financial affairs are you one of them if you include yourself in this group you need to speak to ron gerry ca today at the financial planning group let us help you get out of this picture helping you reahzeyour financial goals sooner for a free financial consultation or second opinion on your portfolio ron gerry ba ca the financial planning group 37 sandiford drive suite 204 stouffville 905 6428371 mulual fund dealer the height of excellence financial plannins group inc make as well it also helps to start your shopping early if you can my wife and i try to do our shop ping in october and november to spread some of the expenses over a few months and avoid the crowds in december said sampson if you consider this advice you could have a very nice present for yourself a credit card bill you can afford to pay off minimize taxes upon your death nc if youre thinking about making a will or already have one a corporate executor may be ben eficial heres a list of some of the rea sons that a corporate executor may prove beneficial for you said teresa lee a will and trust plan ning consultant at cibc trust in toronto you do not have any family in the province nobody in your family has the time or the expertise to be the executor you have a physicallymentally challenged child you have a spendthrift adult child your spouse has never managed the familys money and is uncom fortable dealing with finances your estate is extensive and complicated may have foreign assets andor many beneficiaries you have minor children who will require a trustee to adminis termanage trusts a corporate executor has the skill to minimize payment of taxes and maximize value of assets you have children from a previ ous marriage and second wifehusband who may have chil dren from a previous marriage you have children who do not get along you do not want family mem bers to administer trusts in the will in case it causes family squab blesfights you wish to include perpetual charitable trusts that span more then one generation in the will and therefore require a continu ous and permanent executor