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Th: Sluuftvxllc rcmdcnl and hcr fncnd, Kdrcn Wagner, rcccmly ldUHLth uisnruocum, a w'cbsur which LCleIJIC‘» Lanmc compamuns‘ lhc [Wu women mm a! .l bereavcmcnt n14» almust fnur vcars - ago 'Ihcy wru- bath mourning, [ht lll5h I)! theirhusbands.undbnlh agreed that lhcu ‘ beloved dogs had pruvndcd cnurmnu. comfort and support during the long pcnod ofgnevmg Mark, dxcd m Jan. 2004 when his snowmobile fell through the ICC. At the time the couple had three dogs “A year and half later I ‘ old, one of ' , o siccp. It's now lust me, Albert and Ron I don't know how I would have got thrnuzh thl: thh: w my dogs.~ Naming the website was easy: Iris IS Karen’s dog and R00 belongs to Donna. “At his ‘n’ Roo we realize that life's a joumey,” said Donna. 'It’s a pathway filled with joy and happiness, pain and sorrow. We want to talk about how our dogs are a vital part of our lives and how they help us navigate our way down these paths." She describes herself as “one of the lucky ones to have a little money. good family and friends, strength and help. Some people stay in this world where they haven't really dealt With (their bereavement) They never get over the person they’ve lost It’s too big todeal with on your own" A woman's best friend those darkest’bf ti . ,- else has gone home an ‘iesumed their own lxves ' The website will shortlyllaclude a store selling lris ‘n' R00 baseball caps and T-shirts. with proceeds going to two charities: National Service Dogs, which provides assistance for autistic children, and Bereaved Families of Ontario, the organization which helped Karen and Donna through the initial period of grieving, and where Donna now volunteers as a facilitator. It’s been a tough and difficult journey, but Donna is ready to take on her new life and make the most of it. As she puts it, “Life is long. The future is bright. As long as l have my dogs, I can accomplish most anything I set my mind to." A solid mum on your inmmwnn ‘u always a good thing, Paying “mm: tax on (box mum! dcfiniu'iy 'un'l. You can't totally avoid paying m: but you can «duct tho-c taxes by making tu-w‘uc investment decisions I. Know how you are taxed. The amount of tax you pay on your imtnwnt income depends on your marginal tax rate - that‘s the rate of tax you pay when you earn an additional dollar of taxable income - and the type of investment income you receive Your investment dollars are taxed in three different ways . Fully unble- that includes interest income from sueh fixed-income investments as bond; Guaranteed Investment Certificates (Glel and term deposits 0 More favourably taxed - that includes most of the dividends you receive from Canadian corporations which qualify for a Dividend Tax Credit - Nice tax break - that's on capital gains. cspccially if you're in a higher tax bracket Only 50 per cent of a capital gain is included in income for tax purposcs 2. Dcfcr taxcs. A chistcrcd Rctircmcnt Savings Plan (RRSP) is the best taxdcfcrrcd savings plan for most Canadim Your contributions (which are subject to annual limits) at: fully deductible from income and all earnings in the plan accumulate on a tax deferred basis until you withdraw them. ‘Dcrim: ch pd" fnr lnvnmn Group Crusher M30, 1006 . mum,mm:n Ind publinlwd by Investor. Group Pin-arm Service- Inc [in Quebec ~ I Fin-min! Snvim firm]. pmmn M inhuman oniy Ind I: not a uoliciulian «2 buy or It" nny invenmmm Comm a finlnchlr Idvimr fnr tpcdfic :dvkv um" um. Amiâ€"nun. L'm mm int-.mnl... .. .L1. ”â€"1- 4..“ W, ., ‘ . 3 Design a tax- -wise non- registered portfolig The government puts limits on your RRSP contributions so you may need non- registered investments to augment your Hm IR that duple- rip: yum rimlmlmcfl Fm mm: information on thin topic plcllt' «mun your Inn-mm Group ( Four Simple Rules For Tax-wise Investing We wish you a Happy Holiday Season and a Healthy, Prosperous New Year! ’ .6262 Main St, cgtouflvélz’z 905-640-2000 Managing Your Money (Of/£1029 cilia/71¢. data, dommz'tclal’ and gain: guarantee to £5: Community .501“ 1808 Tontributcd by Jim Pricbq MA, (TA BIR KET’I‘HASSARI) hmigmhd mung; That will be turd I a ran: than dqudsondtwumoldwinwmcnut mnhauywanbcmfilfmuxdchnh by - Buying and holding imu- an: mafinIgaimmnotumallypaiduntil lkpimmtflliudnoyouandehw m'mductflxu‘bydmingmcdldu imutmcnu When your matginal m: is lawn - lamina in qunnagcd mutual funds 4 Split income to avoid taxes Strategies that allow you to split income by having money earned by a family member in a higher tax bracket taxed in the handsofa lower-earning family member include contributing to a spousal RRSP, making a loan to a lower- earning spouse for investment purposes transferring assets or money to a child; or establishing a Registered Eduation Savings Plan IRES?) for each child. In addition, eligible pension income can now be split between spouses for taxation purposes. Tax- wise investing should be an important part of your overall financial plan and investment program. A professional advisor can help you develop the right tax reduction strategy for your personal situation. - (hi; type of strudmt allows you to accumuhtt and move and: freely among the share dame: of these types of mutual funds while dcfcrring capital gains. You can now listen to Managing Your Money onlinc A new podcast will come out each week on Stouffvillc's own whistlcradio.c0m, C lWS-FM. iim.ptiCBCGinvcstorsgmuprom NOW ONLINE.’ In": m Jim Pricbc, M A, (71% Investors Group (90.5) 640.6429