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stouffville suntribune thursday march 8 2007 1 7 atm tips look at your atm transactions over the past three months and determine how often you use the machines speak to your bank about packages offering flat monthly fees and unlimited transactions avoid using independently owned and other banks atm bank fees unfair customers by chris traber staff writer peggy riley met with her bank manager to find a package that would save her atm fees but went away unsatisfied the markham resident who uses a wheelchair uses an atm several times a week i only use my banks machines she said still theres a service charge i think thats excessive especially when you dont have much money like many others she endorses finance minister jim flahertys call for canadas major banks to cut or eliminate atm fees on monday mr flaherty pressed banks to lower the 150 convenience fee per transaction when customers use a rivals bank machine he also suggested seniors students and persons with dis abilities should be exempt no deadline was set for banks to come back with recommen dations but an informal survey of local atm users suggests theyre on mr flahertys side they are ripping us off annie conway said they say go to your bank atm and theres no fee but when one isnt nearby you have to use a competitors and theres a fee the machines are supposed to be there for our convenience all the banks are making mil lions and they charge us for using our own money eliminate the fees thornhill resident renata richardson a former bank exec utive suggests savvy consumers weigh their options an infrequent atm user she opts to use cash back services at retailers i appreciate the conven ience of an atm from time to time but the associated fees can be bothersome ms richardson said when i pay for groceries ill ask for cash back its easy and theres no fee at te n t s n s b u s i nessowneirs eli rid find we need your help join us today child find ontario helps children stay safe by educational programs and by assisting in the recovery of missing children and teen run aways the york region chapter is currently seeking volunteers to join its executive board standing committees and to participate in planned community events please contact mina vaishnarang at noranqroqerscom or child find ontario head office at 1866kxdtips help us to help keep york region kids safe 7riismess3ge6rcogfii loyou x a community service ot the economists sun tribune registration monday night mens ball registration all returning and new players monday march 19 700 830 stouffville arena for information call 9056403768 es efjjraj ifrmhf stouffville unionville telephone directory will be closing on march 31st 2007 book your ad space now for more information call 1 8777266482 tmlnyeshi protecting your business and your future protecting your business and your future as a business owner you have spent your career taking calculated risks to advance the growth of your enterprise often lost in the pursuit ofgrowth is the issue of asset protec- business its wise to have a buysell agree ment in place which enables the surviving partners to buy the deceaseds ownership and maintain control of the company life insurance is typically the optimal vehicle tion unfortunately you may be putting a because of the relatively low cbsts involved significant portion of your hardearned taxes owing upon your death equity at risk without even knowing it for example if you have an employee who is critical to the success of your busi ness what would happen if they passed away how would the loss of a major shareholder affect the ownership struc ture of your company how much attention have you put into your plan to minimize taxes upon your death death of a key person in many businesses the death of a key person can disrupt or even destroy the operations of the business a key person could be the founder of the company whose intimate knowledge and vision is irreplaceable or it may simply be an employee or salesperson with unique skills that are fundamen tally necessary to the business there may not be a way to complete ly avoid the risk of losing a critical employee but insurance can at least hedge this risk by ensuring you have enough funds at the right time to locate a suitable replacement train them and sustain the companys financial health death of a major stakeholder what if the key person who passes away is also a major stakeholder in your depending on the structure of your busi ness your heirs may face the problem of capital gains tax owed by your estate upon your death rather than forcing your estate to deplete corporate assets or even sell the business to pay the tax bill you can make sure they have adequate life insurance pro ceeds to cover this need a variety of insur ancebased strategies can ensure that you control the destiny of your business if youve worked hard to build a success ful enterprise it makes sense to treat its financial protection just as seriously as you treat its financial growth chris karram is a financial consultant with safebridge financial group and specializes in providing unique investment insurance and retirement strategies to fami lies in the markhamstouffville area chris can be reached at 4164665858 or chrissafebridgefinancialcom this article is for information purposes only efile tax returns from zero to refund in 10 days m lynn broughton ldb business services f ringwood drive unit 25 stouffville can 9056401 146 or fax 905-640- 11 56 fidential professional depend income tax service committed to reducing the income taxes that you pay generate guaranteed retirement income preserve capital minimize taxes the insured annuity strategy offers guaranteed lifetime income with typical pretax equivalent yields of 7 to 10 capital preservation and tax efficiency call today for more information greg holohan investment executive 9054798238 675 cochrane dr suite 115 markham on l3r0b8 scotiamcleod financial services inc maximum benefit typical for hose aged 60 to 85 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