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ul nnrmrtmvrrfrtxrinttrittttiras trf zxrc-i- js s u- 1 i i m probably- tfainking about what youll do with the money- before you plaira spending spree here are a few practical suggestions forvyour refund in the long ninthese strategies can help improveyour flnawbl position whicbj may mean more cash to use as you like in the future z pay down debethis is often the best use you an niakvof your tax refuna7li makessense to pay dowrtjust about any kind of debu- a car loan or your personal line of credit for example jv t i 7 susjv highinterest debt should be yourfirst priority if you have outstanding credit card balances use your refund to pay them off you could save yourself a bundle in interest costs interest rates range up to 28 8 on retaircredit cards so the sooner you pay them off the more youll save do you have mortgage paying down some of the balance with your refund could significantly reduceyour interest costs and shave yearsoff your amortization schedule every dollar you pay downearly goesdirectly toward reducing the mortgage principal c perhaps you borrowed to make your registered retirement savings plan orrsp i cohtributidntliis year if you dont have other debt to deal with be sure topay off that loan when a rrsp loan is paid off quickly the tax benefits usually outweigh theborrbwing costs wlieh cbnsidenrig which loans to pay first follow this rule put your moneyfirst toward the repayment of debt the lnterestfor which is not tax deductible if- youve bbnowedforynyestmenupurpbsesthe interest is usually taxleductible except in the case ofrrsplqans you might want to maintain these tax- advantagea loans and directybur refund elsewhere l7 v- b t l contributeto your rrsp if debt isnt an issue consider an early rrsp contnbution the sooner you get money into your rrsp each year the longer it has to grow sheltered from tax that means youll potentially have more money when retirement time arnves and you wont have to scramble to find the money for yourjull rrsp contnbutioa when the deadline rolls around next yeav dont forget abbumnaking up for unused rrsp contnbution room from previous years invest outside an rrspperhaps youhave alreadymade your maximum-rrsp- contnbution tlienwhy not consider nonregistered investments the returns from manyjpf these investments including capital gains and dividend payments from cariadiaifstocks aeeligibletor income tax breaks t heres another jf youf income tax reflind is very large it may be time to talk to younerriployer to your regulartax deductions in essencealarge refund means you have overpaid on your taxes which is often the case forf hhose who regularly v large rrsp contributions since your overpayment does not earn any interest it makes sense to request an adjustment to lower the amount f taxdeducted at source simply fill out an updated revenue rcanadaform td1 to reflect tax credits and deductions that lower your taxes lamuteotfgees j -xlv- 1 fvst by jennifer brown andtkeycanjeand didjt wthutiauthpriza- iaff writer t luphsaidmciadame6 rf aterritorialcariadagbbsfeancfte l hsx- lflnger the unbfficialgreeters at a local furniture t but tlie geese were not endangered or hurt he store- -added- r x recently a pair of canada geese decided to nest j and m terms of fouowingprocedure we ye juwsfic feet froni the entrance of the sous whole what happened wrmftupsetong js 0 hpmestoreondavis drive in newmarket they 5 the wjdme control company removed them before were admired by customers arid received the odd i r tneni 5cr r13v food handout but when the rriale birds paternal when contacted fndaytnple a wildlife control mstincts began to kick in his appeal began to wear aid they follow all regulations as set out by uiinv- canadian wildlife services l weve been involved withthisfor two weeks i- a spokesperson at canadian wildlife services in said sears whole home manager roger mcmillan hullquebecsaid an investigation must pccur sjm the beginningit was quite a cutething but y animal is removed v theri the male started todefendthe female and-r- b of their family- bother the customers actually he was frightening mcmillan smd the birds have returned thecustomefs we ve parted ways but he was here for lunch mcmjllandeaded the furniture stores grounds- uustbtherdayhesaid j werehpt the bestplace for a pair of geese to starti- -c- r f r their farnily and set out to find someone to remove rjlv v jyop 1 ta f s knowing the birds are a- national symbol mcmillan took the situationseridusly as it isa migratory bird the canada goose is protected by federal law v i what he discovered was that relocating a couple of canada geese isnt easy as k l its incredible said an exasperated mcmiuan jdmarshau arid associates wiuconductand friday morning lmust have made 30 phone calls prov items for the box grove united church c to theitown to animal control and finally to a furidraismg auction april 29 at 1 place in guelph that gave me the right number wethe united church in box grove share in mcmillan also spoke- to individuals at the the profits so we mturncan the charities ministry of natural resources and theministry of we gi assistance to during the year helenbueu environment and he wasadyjsed he would have to sa s c obtam a permit to have the nest and eggs removed yiiis year the church has some new articles oh eventually mcmillanwas advised by canadian th bio p spectacular estate items including an annual evtnt by jennifer keef correspondent vj x tables handpainted porcelain giftware clocks oil i called the company and told them of the situjamps furniture and sculptures t a s ahon but didnt indicate we wanted them to come there will also be signed artwork by membersof v4w v at investorsgroup we believe in the investors group is a leading right enterprising and ambitious- provider of financial products and individuals investors group is r s t services to canadians for over seeking sales prof essionalswith 70 years we have been helping thenght stuff highly motivated our clients secure theirfinancial individuals who are entrepren- futures todaywe manage over 30 billion in mutual fund assets- cy v 3 j j 1 and are acknowledged- as an eurial in nature and share our j desire tobe the best a career r v with investors group is a highly accomplished sales team their our part we will give you all comr jhesupport technologytraining clients products and services you need 3 4 to to realize your aspirations for youti ask onlytthe will to attain even higher levelsof j achievement all of which means t a wealth of opportunity for their i call for more information- and determination to succeed vii r t j interested candidates should a previewiof the items will start before noon the auction is being held at boxgrove community centre at 7651 ninth line i announcement investors 1 group 1 i r invetcon group financial service inc v i tr v w h a t7you g a visualize association funds championchip for legacy runwalk ri wayne scottibfnrg group and president of uhevork ijechnblogyassociatlonand doug m3ntyrea vice president r of xenos group inc and a directorof the yorktechnology association jpneserita sherievans legacy race coofdinatovproceedsafe to fund the championchip timing jorall participants in the legacy km runwaikci f thexchampionchipisa revolutionary automatic -timing- s identification and s registration system for road running eyentsfthe champibnchrp is asmall plasticdisk tdhtainlng a mlniaturetranspondeifithat isauached to an anklebvacelet 4 j the legacy event isthtihtoliavethissupeifiof technology y i as partof their event on sunday april 30th r rv- vl w hfvfiti wwic tt bm