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aa tfl p16wjeeipftmajua2fja business and finance 480 payeheques left until retirement have you ever thought about the number of payeheques youll receive before you retire if you havent heres a sobering thought a 25yearold who plans to retire at age 65 has 960 paydays left a 45yearold has only 480 assuming that you will receive 24 payeheques a year for the rest of your working life how many do you have left low low life term i insurance rates affordable financial security toatf non smokers rates male smokers rates 250000 233 255 358 98 780 1435 2593 500000 375 440 645 925 1490 2690 5115 1000000 680 810 11220 11780 2910 5115 10160 250000 468 590 815 51185 1798 2555 5913 500000 840 1110 1560 2300 3465 4755 11725 female rates considerably less monthly premiums available lowest rates for level increasing term plans no tax added to premiums quoted lowest rates for disability coverage estate protection plans special rates for select smokers now consider how much you save from each paycheque towards your retirement for many canadians a paycheque barely stretch es over the twoweek pay period the fact is most of us have limited time and resources before we retire but its important to remember that we may li000000 h another 30 years after retirement the challenge is to bridge the gap between how much we can put aside for retire ment and how much well actually heed there are three ways you can bridge the gap by 2150 3050 54530 56725 j9035 23350 saving more by working longer or by choosing growth investments saving more is a good idea but its not always possible especially if youre paying a mortgage or raising children depending on your job working after age 65 may not be possible in any event its difficult to tell now how youll feel about working when youre 65 and even if you do work longer its better to work by choice than because of financial need that leaves growth investments putting at least some of your money in the stock market call cyril gerson today for your financial security needs tel 9057646924 toll free 18004653601 member independent ufe insurance brokers of canada myth 2 an rrsp is all you need contributing to your rrsp is not enough in itself like any other aspect of your financial plan your rrsp assets require ongoing management to deliver the best results for help creating the rrsp strategy thats best for you right now jwpiwrai richard box hhh 416 4874708 or 905 4711421 tdevercreen w e a l t h ma nag em en t fi mm- trademark of the torontodominion banlctd securities inc tdsil a subsidiary is a licensed user tdsimember ope m do you know aah ere your rrsp assets are having your rrsp assets invested with more than one financial institution can be confusing and difficult to manage the blue chip thinkers at midland walwyn can show you how to take control of your financial future by consolidating your holdings with the blue chip self directed rrsp one retirement plan for more information call mark kostandoff financial advisor 1 800 6444480 serving markham stouffville uxbridge ifiik midland sponsored in part by walwyn blue chip thinking wwwmidwalca if youre not getting blue chip thinking just what kind of thinking are you getting patrobinson 3 cip 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 atweidnck richmond hill at church aurora 9055089493 0057272577 email patpatrobinsoncom web wwwpatrobinsoncom where theres potential for greater returns returns that can outpace inflation vfet many people are intimidated by the complexities of the stock market they are more comfort able with another easier way to invest equity mutual funds which offer professional money manage ment and diversification historically wellmanaged equi ty funds have outperformed other types of investments over the long term in addition a variety of mutual funds are available giving you an opportunity to choose funds that match your risk tolerance and time horizon make your savings work harder that means starting early with a regular investment program so your money has a longer time to grow it also means looking at financial vehicles like equities and equity mutual funds because they offer the best opportunity for growth over time there are three things you can do with your paycheque spend it lend it or invest it this article was submitted by stephen sneddon from edward jones w rrsp strategies with garth turner exceptional advice for unsettled times topics covered include top rrsp strategies for 1998 turn your house into a retirement fund making the most of a severance package dealing with the seniors benefit tax grab rrifs and the essentials of estate planning how to find an advisor you can trust garth turner is a best selling author nationally syndicated columnist financial editor of bbs television and as minister of national revenue ran the countrys tax system sunday february 1 1 30pm embassy suites hotel markham markham ballroom seating is limited call today to confirm your attendance l8882l5rpin 24 hours sponsored by odoisnell group op funds atrimark mutual funds we manage to outperform investment t tanning counsel of canada financial planning professionals mutual iunds your partner for dynamic performance tfempleton fidelity investments m groupof funds n mackenzie i i e i i to