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Choice Study investments or be with your family 1111 ISOlTKKlk NCI art your Some of them no thence in you want to gel paid you muil ami work well Sinful be a priority Out jbout your leisure time If you had your hour you rather down J rid study world of investing or enjoy that free lime with family think the answer is obvious M Jiiy us also rciugnic th il one of our priorities should be to save a pan of we wanted li should l Estate Planning ITS YOUR MONEY PaulJ Rockel sources of potential gain or loss earnings tailed dividends and ijpilal pains most equity have averaged I per year of over the past It andSI lilt June will the Kevin is just Just tins if you to die ty would your tx ml your spouse and hut money to slay in the home in their cut life style uses your to pay would your properly go people you warn If both you your spouse died ho would Like of your drcii how would die property ilicy inherii be unul lltcy who would have of the children If you don know die answer to any of these then is line you thought about estate planning involves three i tit err related elcmcnLs adequate provision for dependents stir imnjun tffnr so tint property pisses whom you wish your to or dcTcr Nihility While some The lueles costly and of only 10 hose who possess stgm f leant even a family of modest mc ins may need planning where the estate in eludes more than one residence family heirlooms such as jewel furniture paintings and in vestment property such as I manna Counsellor is brought you by Canada 1500 local Credit Unions very day without full lime where day These experts advisor- who keep uplodale on the latest and happenings so the managers of those funds Lin make intelligent decisions Another lazy way to invest is to use the savings instiiulions that offer guai or term deposits experience has proven thai between I he ravages of taxation and inflation we end up with little or no power After the SO tax bracket Government wants 10T And ifinllalion were to average we made no in our punliasmp lave started iheir own businesses and only one in four suitccds ihcn they have had to at it full 1 like lay way of improving icl worth With interest I nothing 11 purchasing power after taxes and filiation whereas with mutual funds I dollar with ihe It r I years be ijuitv muluit funds Paul J Rocket 153 Union St E Waterloo Ontario 1C4 Paul J Is author of Iho book Why I Invest In Mutual Funds and President of Regal Capital Planners Ltd Investor planning altered by tax reform NC Finance Minister Michael Wilson white paper on tax reform June may mean changes in investment strategy for anyone who receives inter est income dividends or capital guns In future some investments may be attractive it all while others will be less desirable from a tax point of view Under proposed new rales investment income deduction that Canadians enjoyed for many years will be eliminated as of January I 1988 That means interest income fully taxed In effect you should nol bother treatment of dividends may also change but the proposed changes will tax credit is being reduced from onethird to onequarter making dividend in come slightly less attractive Capital gains will also be subject to more tax Currently per cent of capital gams arc taxed But for 19HB and will be In the figure to threequarters GEORGETOWN PHOTO XMAS 8x10 COLOUR ENLARGEMENT SALE Regular EXPIRES DEC COLOUR REPRINTS FROM SLIDES 88 ORDER YOUR PHOTOS TODAY fairer FOR LADIES ONLY Ever Wondered What Is A PASSIVE EXERCISER How Does It Work We Invite You To Find Out While Our SPECIAL INTRODUCTORY PRICES AVAILABLE TILL CHRISTMAS Super High Intensity Tanning Beds Also Available S10 Guelph St Unit Red Roof Plaza Georgetown 8730244 COME ON DOWN TO MILTON NORTH END NISSAN Is Right On Target With Upto Instock 87 Trucks Only 3 Left So hurry HUGESAVMGSONALL OUR 87 CARS ONLY LEFT Great Savings On Our 88s Too BANK FINANCING OPEN SATURDAYS 9am pm SAVE IN MILTON Just Minutes From You 610 MARTIN ST HILTON TOSS A DART WW After delivery of any new or used vehicle TOSS A DART and win instantly a girt Compliments of North End Nissan Serving tt MBton Community For26Yan NORTH END NISSAN NISSAN Where The Customer Comes first 8784137 6YEARS KM NO COST WARRANTY