The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

economist sunsuntribune saturday jan 31 2004 stocks bonds gics mutual funds rrsps larry stadnyk cfp investment representative 4591 hwv 7 east unit 110 unionville on l3r1m6 9053058507 jo stadnyk investment representative 8312 mccowan road suite 102 markham on l3p8e1 9059478168 wwwedwardjonescom member ci pf edwardjoiies serving individual investors winter floor model sale joff 2050 queensbridge mill 416019th avenue markham 8871127 queens pantry 176 main street unionville 4774625 website wwwqueensbridgecorn herlase i m clinic specializing in advanced skin treatments laser hair removal vein treatments facial resurfacing restylane injections botox treatments 383 main street n unit 7 markham ontario tel 905 2018005 k sandys i i if you have to turn up your i radio to drown out your i muffler its time to bring your i car to the doctor for i exhaust repairs i i i i 20 00 off labour 10 off ea muffler with this coupon 1 176 bullock dr 8 markham9052943868 j 1 not to bo used in conjunction with any other special i parts pst gst extra ottor expires feb 1 6 2004 m avonlea decorating i lflt your nikdow floor ftatt covering specially sboppe 50 off hunterpou j 2 window fashions l sherwood plaza 5694 hwy 7 markham j j beside iga 9052941 678 its time for an rrsp checkup is your rrsp getting you where you want to go the only way to know is by regularly monitoring your investment performance and asset mix an annual checkup will show whether youre on track to meeting your financial goals this is the ideal time to make that review not only will a checkup at the beginning of each year gauge investment performance it will put you in a better position to map out your investment strategy for the next 12 months the first step in your 2004 checkup is ensuring that your objectives are clearly defined your rrsp and other investments should reflect your retirement goals tolerance for risk age how long until you retire and how much you have available to invest the next step is making sure your rrsp contains a mix of assets that reflects those goals as well as current market conditions its crucial to diversify investments among asset classes cash income growth growth and income and aggressive investments in fact research shows that asset allocation rather than selection of individual investments is the key determinant of investment success international diversification is also important since canada represents just a small proportion of global financial markets youre allowed to hold up to 30 of the book value the original cost of your rrsp in qualifying international investments if your investments are spread among a variety of financial institutions tracking your rrsps can be difficult bring your rrsps together at one institution for easier record keeping portfolio monitoring and investing consolidation allows more foreign investment flexibility because the foreign content provisions apply to each plan not the aggregate value of rrsps your rrsp shouldnt be considered in isolation review nonregistered holdings too not only will you get a more accurate snapshot of your overall financial health you may find opportunities for tax- effective investing such as keeping fully taxable interest generating assets in an rrsp where they can grow sheltered from tax a wide overview can reveal other investment requirements for example you could discover a need to protect some of your assets from creditors creditor protection may be available through rrsp investments in segregated funds or guaranteed investment certificates offered by life insurance companies at edward jones we can help with your investment goals and annual review call jo stadnyk 9059478168 or larry stadnyk 9053058507 for an appointment edward jones serving individual investors boxing adult teen boxing wrestling grappling ron beer family self defense 9052946044 wwwgrapplingca ottey value breakfast from 630 am- 1 30 pm western on a bagel with medium coffee 399 inc tax ltd time offer 8525 mccowan rd 9052940955 at hwy7 east ne corner markham distributor ofii crarjite marbllk pbrpfttn ww ililltbrs maisa cerami tile ii 1 i jloco fast fun fitness for her 38 buttonfield road 7 markham 9059405550 whoneedsit i a women who have little time for exercise women who dislike coed health clubs aerobic routines or those intimidating weight machines women who are deconditioned or have physical limitations women of any age women who want to lose weight and inches women who want to work out in a nonintimidating atmosphere women who need motivation to stick with the program its not just a fitness facility its a wellness centre figures will offer you the added feature of the soft heat infrared sauna a product manufactured in canada that feature soothing radiant heat at transfer more comfortable temperatures than conventional saunas making breathing more pleasant janfeaffig msmi iiiil a family business si 1956 416 421 5 75 8 try our infrared sauna s15for30ahns benefits pain relief fibromyalgia arthritis sports injuries weight loss burn 600 calories in 30 minutes detoxification of toxins lead and mercury poisoning immune system hyperthermia boosts immune response relaxation stress relief skin care excellent results in the treatment of acne eczema psoriasis cellulite a womans only fitness facility that offers a full body workout in as little as 30 minutes you will decrease body fat burn up to 600 calories and tone all your muscles in half the time it would take in a regular gym for women who want to have fun look good and feel better we look after you from beginning to end of your workout work with you to accomplish your goals and show results offer full esthetic services a fun effective and affordable alternative to traditional clubs qmcom- sshsfc rk- gudifoicre i n line awicasfc h wvjc9rtqcxqewjarfc h cob we offer up to 30 lenders bidding for your business deep discounted rates stressfree unparalleled personal service cash backs and housewarming gifts the best part its absolutely free p 25 royal crest ct ste 203 markham on l3r 9x4 t 9055139003 e admlninlineonlineca f 9055130975 w wwwlnlineonlineca 38 buttonfield road 7 markham hours call 9059405550 today mon fri 6 un 8 pm sal s am kate s garden meatiiis day open house febja hwy 7 mccowan rd r f j i it it 1 1 it i m iyti ft f t it it i il it if i i 1 1 a