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‘Page 18 = Halton Hills This Week; ‘Wednesday, June’30,°1993 {Country house fully renovated while| retaining its heritage & set amid sweep- ing lawns overlooking large pond. 3 mins. from Caledon village & | near golf & Caledon Ski Club. $649,000. 3 BEDROOM — Excellent starter home overlooking} Roman in Hillsburgh with new 1 600 sq. ft. addition. Large mature lot. Quiet setting — $159,000. Gracious & spacious 3 bedroom with us ALL PRO REALTY INC. (Cdu laldavauarel> Vi the obvious choice Call Sandra Hurley* now for a free up-to-date market evaluation with no obligation: Not intended to solicit properties already listed | for sale, Tor. 874-3057 873-3377 Res. 873-6790 Sandra Hurley * Sales Representative This lovely 2 storey offers 4 bedrooms, 2 bathrooms, finished basement and all the amenities. Nicely situated on a 1/4 acre lot. "A MUST TO SEE". Call Sandra Hurley* for further details. CW93-005 GORGEOUS building lot with 669 ft. 50 Acres frontage, extends 2082 ft. to top of Niagara Escarpment. Excellent water. Partly forest covered. Permits available. Excellent —investment./a™ Cwo2-221 MAO rs (Call Sandra Hurley* now! oney Talk with George Perdue M | Boosting ountry living on 38 acres with privacy, tnopine hardwood bush, spring fed pond, fenced Back to Back By George Perdue, B. Sc. P. Eng. The lowest interest rates we have seen are cutting into the income of a back-to-back annuity. Even with the added cost income than from a GIC, dépending on such things as age and healt} A life annuity provides monthly income for as long as you live. The cheques ‘ive are a combina- tion of interest (totally taxable) an principle (not taxable). A prescribed annuity means that the non-tax- able portion of the month- ly payment remains con- stant and usually more than 50%. This is why the net income is superior to a GIc. Adding a life insurance Policy to an annuity allows you to leave a lump sum to your heirs to protect an estate from taxes. For example: Mrs. Smith is 70 and has a marginal tax rate of 41%. She has $100,000 i an RRSP. pay around $9,600 a year after tax. Since she wants to leave a bequest to her son, she hases a $100,000 term life insurance policy. The about $6,700 per year, still considerably more than bap bs income. No matter how she looks other considerations and refinements to consider in using this approach but during this era of low interest rates this proce- dure deserves considera- George Perdue is a Financial Planner, Business Consultant, and Partner in Money Concepts, Halton Hills, He can be contacted at (416) 873-1877. PRESENTS THE DISTINGUISHED FROM 159,900 (includes GST) Colombe Summers Associate Broker Bus.) 843-5400 (Res.) 787-2452 H HWY #24 (Res,) 843-4926 MODEL HOMES OPEN SAT. AND SUN. 11-5 MON. TO FRI. BY APPT.