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f a i s t t7 3- r a wont a a new survey by the bank of commerce suggests aster jn the making gartli turner i canadians can forget about an early retirement or maybe said to retire at age 60 and finance even a comfortable retirement at all f- t r i c lu t i a new survey by the bank of another 20 years will take more than commerce shows 72 per cehtof no financial plan expect theyll have to this spellsa retirement crisis in facttretirementdis- in his just-released- 1999 rrsr work past age 60 and more than gutumelpointetfoutm wealth not try to hide it they also need to i i vr about five mimoncanadianshave have saved ess ttian wu be putting vasdymore money into their or will have a corporate pension in t rrsps and the right kind of rrsps retirement- r v in his 1999 rrsp gmfe turner shows of seniors as thebaby boomers retire the recent volatility on financial mar kets could make things even worse if it scares people into putting their money into nogrowth assets like gics or the new canada savings bonds canadians need to rapidly grow their efile tax returns comprehensive tax and aphgunjifcg services jprfityour neebs personal ariseif employedfretcif risi v limotaxireturns rental income i refunds in aa little as 2 weeks tentmrlax services t 6enea rbiindy k t suite 206 v s scarborough f ontario 1 steelesave x to t gfwere located fl above ihetd rr finchave- receive an extra 6 fl p s i i when you bring in this ad he also questions the financial viability of the canada howcanadians can r i fusion plan saying recent reforms will not be enough for it make an rrsp contribution without cash 1- to withstand the coming 300tper cent increase in the ranks turn the declining equity in a home intc into a retirement fund it r make house calls whenft comes ftofdoingcsomething as important as planningyour f financial future itmakes sehseypu shouldbe wnereyburemosf comfortable either atyourhome or your office which is where i come in ill help you plan everything from reducing your taxes to wealth building investments to a comfortable retirements ail at the place most convenient for you why because youreworth more call me today pjrlilipaling sponsor iirslouffvillcwcliomc wagon investors group youre worth more xs invntoricnurinikialsriciiik doug mcroberts certified financial v t planner 416 4917400 hedge against the falling value of the canadian dollar profit by borrowing money to invest split income with aspouse or children take advantage of the global interest rate collapse ironically there has seldom been a time when average canadians can have as much confidence in their invest- merits and the economy as now turrier said but many are fearful and far too many cling to the belief the government somehow will bail them out unfortunately that will not be the case but there are wonderful tools we can all use now to ensure a much more secure future i urge everyone to start immedi ately garth turner to speak in marfchara y v- what seminar will teach people how to use rrsp breaks jtb grow their retirement nestegg ij when jan 30 l where embassy suites warden avenue andthwy 7 timerlo am i torestencautwaustirimvestjcnentsat v v ju h jr v if you think a 30 tax credit is the only reason to ilnveistlin gapit4baiihane ventures 1 v ihvdstinhigh v cant otherwise invest- in yet r- mv henefif from the experiehce of sectorknowledgeable fund managers r y r m- m jo i v w and more i- j iiks fund i available intanoaidcnis only imrnan tax tips my income is sp low that i have ja not filed a tax return for several years someof my friends tell t metheyhave been receiving cheques fotthegsthst credit p how do i apply fofit t t a to apply for tftegsfhsfcred- tl it you or your spouse must file a tax return evenaf there is no income to rer3oftahd corhpletettke gsthstapplicatiohsectiok l f the credit you apply fononyour 1998return will bepaid in installment inl999 and2bqb itisnottoblatet6filerefunds for u990 througn1997 to obtainvthegoods and seryicestax credits forwose years if eligible you maymsofile to claim the federalsalestaxvcfeditvfof 1986 through1990 j jft f do i have to file a tax return to 41 ca- get the childtax benefit 5y yourlegalor commorilaw 4 j spouse mustalspfileratax 5f return if you are lmng together ff v revenue canada needs the infor- ffi mation from both returrjsto calculate 5j the amount of yourenefit- f 1 ii jr j f- theseartiples were subrnittedby hr 1 bloc canada lri ivr- 2f i- v w i i i vrtvj j v mi