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Page 12 - Halton Hills This Week, Saturday, August 7, 1993 Taking care of Allstate mS LIFE, AUTO, HOME, RRSP Pas =e : DAVID R. WALSH W auisth 232A Guelph St., Suite 204 873-1 643 sanaesiea3 ness esis 7 se sc a Georgetown Toll Free 1-800-387-9974 JANITOR + CRAIG'S PHOTO (alll Si; [x@zanron LTD. FINISHING SPECIAL| commerciai & industrial oftice cleaning se poo Stbping & Waxing 24 Post renovation cleans “You go right § 99 & eros wih Bite in DAY + Window Cleanit + SERVICE SEORGE « 3 FREE og Q Aton ross umuTEs Sgss 877 S968 ESTIMATES Nexto Rey Firm 87 75945, GROUND SOURCE HEAT PUMP SEMINAR Thursday August 12, 1993 Rockwood, Ontario Rob Allen, of Steak Express at Delrex Blvd. and Guelph St. in the Knolcrest plaza, car- ries boxed meat, frozen foods and many specialty items. For all your barbecue require- ments drop in or contact Rob at 877-0721. HHTW photo Rockmosa Community Centre 7:30 PM START SAVE up to 65% on your HEATING BILLS ‘SAVE up to 20% on your COOLING BILLS. $1500.00 Ontario Hydro grant / 3.75% financing (conditions apply) Please call (519) 843-3393 Bank of Montreal hel Bank of Montreal has announced a package of finan- —_—_——_____., COMMUNITY ? or Jacqui 877-0717 your interlocking stone. ven areas of interlocking stone. eS APING Georgetown 's Best HAPPENED 2 TO YOUR LOCKING STONE? WE CAN HELP! ~~ We can virtually eliminate weeds, moss and grass. Let us seal and protect your investment. Sealant protects as well as beautifies 873-3456 | cial services for students, The Bank of Montreal STU- DENT LOAN is designed for COLOUR DESKTOP PUBLISHING WITH UNLIMITED DESIGNS, Ping students Payments. Principal payments Start six months after gradua- tion, “Students who qualify have access to the existing loan Pro- 8rams, but many students need an alternative. Often students who need financial help don’t qualify for government loans, ‘And sometimes, the govern- Students who don’t qualify for * SYSTEM DESIGN f government iene or ss ment loans aren’t enough,” * INSTALLATION be sure to call simply need extra financial Says Cyril Kelly, Vice- 8 assistance. The loans, up to President, Community INSTALLATION COST $5,000 a year, are available to Bank ti ve ae ernie * graduate and undergraduate haven't traditionally been the OPERATING COST students in university, college ™OSt helpful places for stu- * PAYBACK Seane) on. and professional programs, Gents We're trying to change While in school, students will that. * QUESTION PERIOD once sa bay only have to make interest Bank of Montreal is also . = : : offering ‘students a break on a If you are interested in ground source heat pumps, this seminar is a must. call tailored, package of banking ae x services. STUDENT PLAN Free admission, open to all. Cathy 877-8653 LAMINATION offers a choice of chequing WANT TO KEEP IT? LAMINATION PLUS IT! PROTECT YOUR PAPER MATERIALS, and savings accounts, unlimit- ed free access to the Bank’s Instabank nétwork, unlimited free chequing, withdrawals and transfers, and two free Interac transactions a month, Ata monthly fee of $2.75, Student Plan in priced 70 per cent below the cost. of a typical basket of banking services, If You Have Money, You Pay Tax by Andrew Mackenzie ey to saving taxes is first to learn your alternatives. and their have joney to retire comfortably. Specifically those people who live on their ‘interest. Canada Savings Bonds, GICS and term deposits — these are familiar savings vehicles to most Canadians. How well do they work as a savings vehicle or as a means of Providing income? In today’s market, you a 27% tax bracket, only 7% of dividend income goes to taxes. With an alternative like this, why do people keep GICs? The only answer I can find is that many people yy the money you receive is fully taxable. In ‘other words, if you have $51 retirement seem just next to impossible. Luckily, there are alternatives, ‘common goals: Consider your situation, it that I have-no hesitation i wants to live off their. money is dividend funds. The advantages are clear. The returns are bette, the investment is stable and you In actif you are in hi ry regarding dividend funds or other financial concerns, please call Andrew at home at 877-5495 or at Investors Group in Brampton at 450-1500.