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p6themrune tuf sdaymach 24 199a st your financial health this year use your tax refund wisely nc its that time of the year again when many people are looking forward to their tax refunds especially those who made rrsp contributions some people already have definite plans as to what they are going to do with their refunds while others are still looking at their options if you have not yet made up your mind about what youre going to do with your refund wed like to give you some advice f first if you took an rrsp loan you should apply your refund to your loan to reduce your payments r otherwise you should pay down any other debt you may have in both cases your disposable income will likely increase because youll be mak ing less payments towards debt during the year if you do not have any outstanding debt then we suggest that you invest your refund in your rrsp if you do this and can still make addi tional contributions to your rrsp during the year youll most likely get a bigger tax refund next year this is because youll benefit from the refund invested as well as the additional contributions you make to your rrsp in the current year on top of the tax bene fits- your investments will enjoy com pounding growth litis article was submitted by altamira financial services ltd small business owners can rely on individual health plans nc every year the number of canadians taking on the risks of starting a home or small business grows as selfemployed individuals one risk they must face is the cost of every day and unexpected health care expenses to protect them- personal taxes are now being prepared personal taxes business taxes i bookkeeping financial statements enhanced fax services telemarketing fax repairs and maintenance leaving you to do what you do best irvcom group business services bus 85210064 fax 8520045 toll free 18883494443 monday to friday 10 am 8 pm saturday 1 2 noon 6 pm 191 main st suite 208 oxbridge member reward put new into member reward deposits with lis and earn bonus interest one year 50 three year 55 call your gta savings credit union branch for details ibm employees credit union markham 905 474 1885 celestica employees credit union don mills 416 448 561 1 unionville financial services centre unionville 905 940 1147 stouffville credit union stouffville 905 640 281 1 cuna credit union uxbridge credit union p9nmiljs 4450400 vvvi a u jf selves more and more canadians are relying on indi vidual health plans individual health plans deliver group plan coverage at an affordable monthly price for selfemployed indi viduals and the small business owner with a couple of employees individual health plan coverage makes sense provincial health plans dont cover daytoday expenses like dental cleanings and fillings prescription drugs and eyeglasses for a selfemployed individual it can really add up said domenic servideo business manager at liberty health what most individual health plans cover dental coverage covers dental services provided the charges do not exceed the amount stated in your provincial dental association suggested fee guide for general practi tioners drug coverage covers drugs and medicines which are purchased on the prescription of a physician or dentist and dispensed by a licensed pharmacist physician or hospital vision care coverage covers prescription lenses andor frames contact lenses and repairs to such extended health care coverage payment for services such as accidental dental cover age ambulance services physiotherapy medical supr plies and equipment prosthetic appliances home care and nursing hearing aids and services of registered massage therapists speech pathologists chiropractors and osteopaths travel coverage covers emergency hospitalmedical expenses incurred while travelling outside your province of resi dence accidental death and dismemberment benefit kusatz sharpley chartered accountants income tax returns other accounting tax services all year discount for seniors 1 0 on basic returns 6188 main street 6401991 eagle tax service serving ontario for 30 years personal business farm estate special rates hhhh seniors discount ef1le r refunds within 2 weeks dont give back your cash to arrange for a no obligation personal consultation please contact earl greer 8520900 pays for accidental bodily injury or accidental loss of life for the small business owner with one or two employees many employers shy away from offering a group plan because they consider the cost of coverage too expensive when it comes to hiring quality people being able to offer good benefits is an attractive feature large companies have long held over small businesses said servideo but by encouraging their employees to get an individual health plan a small business owner can help provide his employees with a benefits package equal to any thing offered at a large corpora tion some insurance companies offer the option to have several plans billed to one address this option was specifically designed for the employer who chooses to pay a portion or all of the monthly premium on his employees behalf as well the employer will also receive a tax deduction for the amount of premium they paid most individual health plans have been designed for convenience top life there is virtually no paperwork for the selfemployed person or small business owner to look after the insurance company does most of it for you if a claim is made the cheque is mailed directly to the home of the claimant talk to us and youll realize something over 900000 other canadians already know youre worth more for more than so years my company has been helping people like you get what they deserve sound financial advice and a better return on their money its quite simple really ill design a complete financial plan that takes into account your future as well as your present a plan that reflects your individual needs and goals why because youre worth more to find outhow just call me today robert fraas 4168216477 r 13 investors awnroup 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