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& * At Your SSrVIGE yo» Real Estate This Week; Wednesday, January, 13,1993 — Page'S PROVEN PERFORMANCE 877-5165 874-3040 833-9714 873-0655 Erin Res. MARTHA SUMMERS Sales Representative "hot & it To place your ad elas call Rod Beaumont} || rr. Libgkektaaeate a at 873-2254 Leip ass-scor. -|Have your home, office,| | Finish your basement? shop or property in | |Renovate your bathroom? clean perfect shape. Painting, decorating, etc? Please call 519-833-9007 Catt MITEE 873-9956 ° interior painting ° drywall & wallpapering cae hesitate, as floors, finished rec room, ral decor, la we fercad mag va large deck - ne aa 1 AGRE wih long views, staircase to fll Iower level with walkout. Cones in and bathrooms. Shows beautifully. T.V. Repairs REPAIRS TO ALL MODELS OF TVs s VCRs Also Microwaves, Stereos and Converters Free Estimates on Carry-In TV Repairs 873-1820 J.J. Electronics 360 Guelph St., Unit 37, Georgetown GEORGETOWN Rent-All Tools * Equipment 334 — st watt Act souh ol Hy 7, eaten phate executive home on 34 rustc acres. 40 x 60 utitybuld- ing, PRICE INCLUDES 4.4 ACRE SEVERANCE. 90-2-510 LLL — Ti a ‘working farm, with 32° x 26" utiity building wlan plus 65° x 34° implement wih cont oo. Family home win out Kc fachen Tong views. Original farmhouse tastefully redone with t veniences. Bleached oak kitchen, finished loft with dormer, 92-2-495 "Halton's Only Errand Service" 873-8475 | HOUSE CLEANING ie House & Pet Sitting ie Paintin: ie Home Repair: le Home Ecamtions This is the year to keep y ‘at hor 5 sa, hardwood bush te fas trough 4 bedioon family home with pine. WANT TO START YOUR OWN BUSINESS? Horse This 938 stalls. CENTU: RY STONE HOUSE is a bonus. Well worth looking at. 92-2-485 4. lot with good access to 401. $150, paeett Mibtiword Subdivision on e Lois with propose! for eee sion. $1,800, 2-390 4 vacant acres. Fabulous aang i . $150, 92-2-509 at 1st Line East, Caledon. HALTON HILLS SOUTH COMMUNITY CONSULTATION COMMITTEE The Halton Hills South Community Consultation Committee is a group of citizens, and Halton Regional Police Officers who meet on a regular basis to identify community concerns and establish an effective joint response to eliminate the concerns. The concerns addressed can range from something as simple as a parking problem, to something as complex as a series of Break and Enters. Committee The Halton Hills peath Community Consultation Committee is establish 1) ingress infomation san between the police and the commut 2) Identify Conan! Police concems and initiate pro- grams to overcome or eliminate them. 3) Alter the piece ptol that the police are inaccessible to the public. The Halton Hills South Consultation Committee serves residents of rural Halton Hills who live south of 15 side road between the Town Line and Trafalgar Rd as well as residents who live south of 10th side road between Trafalgar Rd and Winston Churchill Blvd. IF YOU ARE INTERESTED IN BECOMING INVOLVED WITH THE COMMITTEE, OR HAVE A CONCERN YOU WOULD LIKE TO HAVE ADDRESSED, PLEASE CONTACT: SGT. WAYNE EASTWOOD AT 878-5511 ext. 2111 or K. WHITWORTH AT 877-8682 Piapecnnesnies, cad sn lage with 3 bedroom laundry, are onal bryas rorses 9224 a Great starter - live upstairs, rent out the lower level until you need yards, separate double car garage. Home filed with custom pine 92-2-526 RRSP Rules and Regulations 1993 By George Perdue, B. Sc. P. Eng. Legislation states that you can now contribute to your RRSP the lesser of 18% of your preceding year's earned income and $12,500. This dollar limit is in effect for 1992 and 1993 and then increases $1,000 until it reaches $15,500 in 1996. The "lesser amount" is reduced by any pension adjustment (PA) from the preceding year as shown on your T-4 slip. The rules allow you to carry forward unused contribu- tions for 7 years. This is ben- eficial if you are currently short of cash but it does not allow you to effectively recapture the lost com- pounding. You can also make a contribution now and deduct it in future years. Hopefully the required income will be present in the future. Spousal RRSPs are still allowed. You get the tax deduction for your spouse's : Money Se Geo. ge Perdue | plan, yet your spouse will be taxed on the RRSP payout provided that the funds are not withdrawn within 3 cal- endar years of your last con- tribution to any spousal RRSP. This is not a bad income splitting method. In addition to regular RRSP contributions, a maxi- mum of $6,000 per year can be transferred from a Registered Pension Plan or a Deferred Profit Sharing Plan to a spousal RRSP until 994. Retiring allowances can be transferred directly or indi- rectly to an RRSP up to $2,000 for each year .of employment. Another $1,500 is transferable for each year of employment, prior to 1989, for which employer contributions to an RPP or DPSP had not vested. An RRSP is more than a simple investment. It should be part of a portfolio aimed pecifically at your financial pert The investments themselves should be care- fully chosen to maximize yields and protect capital. Independent advice is criti- cal to such activity. In keeping with our goal of educating people in financial matters, Ellen Roseman, Globe and Mail Financial writer, will be speaking to our guests at the John Elliott Theatre on Wednesday evening February 3, 1993. She will speak on "Worry Free Money Management for Families". She will offer advice for find- ing the funds for your RRSP. Tickets are available from the Money Concepts Office. George Perdue is a Financial Planner, Business Consultant, and Partner in Money Concepts, Halton Hills. He can be contacted at (416) 873-1877.