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: Halton Hills This Week - Financial Update, '93, Wednesday, January. 13, 1993 — Page 3 How do | get the most for my money? By Brett Worby Financial Planner at Money Concepts With the combination of ever increasing taxes, inflation and lower interest rates producing lower yields, people need to re- assess their financial “habits, hold- ings and outlooks". Is there help available! . Not only are there investment vehicles presently available to pro- vide a better rate of return, but there are also various " "personal money management strategies" which if followed, can result in more dollars in your pocket. Recently many books have been written discussing "personal money management strategies" such as David Chilton's "The Wealthy Barber", Grant Sylvester's "The Money Jar" and Gordon Pape's "Retiring Wealthy" to mention a few. All have excellent advice and instruction on how to implement a personal financial plan, to make the most of your money. Setting up your financial plan is a very good start, but then you are faced with a few obstacles. First, there is the question of the hundreds of financial products available from the over 125 differ- ent insurance companies and the 45 or more banks and trust companies and the literally hundreds of mutual funds. Out of this multitude of sav- ings and investment vehicles offered by these institutions, all having their own merits and tax consequences, you have to choose the product that best fits into your ee The word is out about Municipal Trust’s : Aeapsea lon sca RSP rates and the word is great! value of a knowledgeable financial That’s because Municipal Trust DIAS but the following may guarantees to meet or beat the help. ou taaiten abled inte 7: 69! 5% banks’ GIC one to five year rates* their computer and tell you who is If you need another reason offering the various flights, accom- odations, i , a Seen RE. Meee date RSP-Gic °° C’mon Over to Municipal. Trust with a vacation plan that suits your for your RSP, we can offer you desires and your pocket book. This is in essence the same service that Up to $100 for RSP transfers a whole list: can be provided by many indepen- dent fi ‘ial pl: 3, except they ji - deal with your Gaabcial objctves.: | 7 ‘e ae > Instant RSP loans at our prime rate (A.C) An independent financial planner . has up to date information on the > For transfers of $5,000 or more, we = Instant tax receipts : different financial products in the pay up to $25 of transfer charges = Interest compounded annually at the ket, and inf tion on the appa aes ect aeh anna coset from other financial institutions bjecti that th duct . designed to ra A nani plan- > We make transfers easy. Just bring same high GIC rate (15 yr. terms) h i : vane financial cbjettves md bel design poo Cae ea =Convenient monthly contribution plans 1; that = . . ia goer cali Mana Rade we handle all the details to a daily interest RSP Savings Account most situations) like a travel agent # you.don'Gboyiyoursyacatian > Guaranteed rate up to 30 days on package from them you don't pay. transferred RSPs Employing the services of a pro- fessional financial planner can assist you in identifying and achieving your financial goals. Remember its not how much you earn, but how much you keep that Bi counts! Georgetown 28 Main St. S. => 873-4077 Je Mon-Thurs 8:30-5:00 Friday 8:30-6:00 Saturday 9:00-12:00 27 branches exclusively in Ontario—Over $1.3 billion in assets. *As posted by the following banks on the Cannex interest rate service: Royal Bank, CIBC, Bank of Montreal, Scotiabank and Topp uoMnog: Interest rate shown above is subject to change. Complete terms and conditions available at the branch. Offer ends March 4, 1!