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WE UNDERSTAND COMMITMENT F or decades, Edward Jones has been committed to providing personalized investment service to individuals. From our office here in Stouffville, you can rely on: I Convenience [“aee-toâ€"faee meetings, when and where you’re available. I 11mer Informatlon Technology that gives you instant access to information on your account and other investments. I Personal servlce Investment guidance for your personal needs. It's a well-known fact that financial success requires work, organization and discipline. But apart from these three essential elements, certain other measures can help you to maxi- mize your chances of financial success. Here are a few tricks which could be very useful for the future. 4-INVEST IN A RRSP: a Registered Retirement Savings Plan (RRSP) is not only a great way of saving but it aIso enables you to pay less income tax. 1-ES'I'ABLISH A BUDGET: a budget is a very useful tool. It allows you to see your financial situation more clearly while managing your revenues and expenses more efficiently, not to mention your debts and your savings. 3-AVOID EASY CREDIT: credit is readily available these days, which makes it all too easy to slip into debt. Even though it can be very tempting sometimes, cau- tion is always necessary. For example, keep the number of credit cards you possess to a minimum and always pay off the balance in order to avoid interest charges. 5-DEVELOP GOOD SAVING HABITS: apart from the RRSP which helps you prepare for retirement, good saving habits are an important part of healthy finances; the earlier they're acquired, the more profitable they will be. 2-PAY CASH: It is to your advantage to pay cash whenever possible. In this way you avoid getting into debt and having to pay interest charges. S-ASK FOR ADVICE: financial ‘counsellors, planners, accountants or other competent pro- fessionals can be an extremely helpful source of information and advice. Never hesitate to take advantage of their services.