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When you reach retirement, you will have two nest eggs. If that is the case, you will enjoy a higher standard of living and you will deserve it. Peter Watson, MBA, CFP, RFP is the president of Peter Watson Investments Limited â€" an Oakville firm specializing in retirement planning, RRSPs, and investment planning. He can be reached at 842â€"7602. 4 Regular savings plan augments RRSP strategy That‘s not a problem. Just save at the beginning of the month. In financial terms, this is referred to as "pay yourself first". This has a way of putting your savings plan on automatic. Once you have done this for a few months, you will become used to your reduced disposable income. The advantage will be significant. You will have both a Registered Retirement Savings Plan and a nonâ€"registered retirement savings plan. If you wait until the end of each month and save what you have left, you will probably not save anything. By the end of the month, you are always out of money. What happens if you want a higher standard of living during retirement? Maybe you would like to retire at a younger age. It is not Ottawa‘s decision what amount you should save. That decision still belongs to us and we, as individuals, should make that decision. Everyone with a regular income should have a regular monthly savings program. I know this sounds so simple, but it really works. Don‘t worry about where the savings will come from â€" just do it. The government‘s objective with the RRSP option is to encourage each and every one of us to save for retirement. They determine how much we can save from year to year. To motivate us to contribute, they allow a tax deduction for any contribution. Regardless of the tax deduction, the true advantage is that we all have the potential to develop sizable retirement funds. In many cases, the significant part of an investment portfolio is in a RRSP. It is, almost, as if we feel there is a rule not to save more than the government suggests. Put more simply... most people should augment their RRSP savings with a regular, nonâ€"RRSP savings plan. The RRSP season has officially ended. March 1st was the last day to contribute to a 1992 Registered Retirement Savings Plan. Now it is time to invest in a nonâ€" registered retirement savings program. And the advantage of this type of plan is that there is no maximum contribution limit. â€" It‘s no longer enough to simply do business. You have to do business with the environment in mind. That was the underlying message Carmine Falcone brought to his audience at the Mayor‘s Business Breakfast at LeDome Banquet Hall Tuesday morning. The message centred around "sustainable development" which the president of Shell Canada Products Limited described as an environmental concept applied to business that would allow future generations to say: "It‘s still here and it‘s still ours." Businesses ignore the environment at their own perilâ€"Shell pres. By BARB JOY Oakville Beaver Staff Industries have much more on their plates Falcone. admitted that adopting a sustainable development policy didn‘t come easily to his petroleumâ€"producing and marketing company but eventually targets for emission and waste reduction and greater energy efficiency were conceived, born, and finally integrated into business decisions from "stem to stem. "We are now looking at the forest instead of the trees," he said. At Shell, sustainable development has changed the way the company does business in several ways, he noted. For instance, the company now adopts a life cycle approach for determining what effects its chemical products â€" from the research stage to final Shell learned this a few years ago when it realized â€"as most companies did â€" the economic, political and social importance of adopting sustainable development policies. "Unless business people are committed to sustainable development, they will lose their customers, their investments and their reputations," he stated. "Investors would just go somewhere else." today than merely worrying about "the bottom line" of profit, noted Falcone. They must take into account the effect on the environment of everything they do. If they don‘t make their own sustainable developmental decisions, someone else will do it for them, "whether they like it or not," he HOROSCOPES If today is your birthday LIBRARIES Oakville Public Library. JUST FOR LAUGHS Joke Of The Day............ Quote Of The Day...... Question Of The Week. Speak Your Mind........... TOP 10 WE@KIY Top 10 Weekly Video Rentals...... Top 10 Weekly Cassette Singles............. Live Theatre/Entertainment Oak Centre INFOSOURCE Suggestion Box Opinion Poll..... 5380 5383 5030 5031 5003 5018 5012 5014 5081 In addition, the company has opened itself up to input from all its stakeholders. In the Caroline gas project in Alberta, for example, an advisory board with members from five affected municipalities met with farmers, environmentalists, community members and Shell to air concerns, provide data, and disposal â€" will have on the environment. SERVICES Infosource Inquiries....... Acdvertising Information SPORTS Daily Predictions.................. Daily Trivia............. MNOr SCCCer..........0....... Sheridan College Athletics Oakville Blades.................... Entertainment Poll "Continuing to fund cardiovascular research in Canada is critical," said Richard Hinson, president and general manager of Searle Canada. "Our company recognizes this need and believes such an investment will assist cardiologists with the necessary tools to help the nearly six million Canadians who Appetizers.. Main Course. OAKVILLE BEAVER Publishing ... Classified Word Ads........... Circulation Office Hours..... Flome Belivery. sA :3 en is Oakville Beaver Charity Golf Tounament POLICE Community Policing Iroquois Ridge Area SCHOOLS Gladys Speers School The money will help fund the research of six cardiologists currently working in the hospital‘s Division of Cardiology. The project studies will include areas such as the genetic causes of heart enlargement and heart failure, the regulation of the heart by the nervous system in heart disease and new methods for the diagnosis and treatment of heart muscle and blood vessel disease. suffer from the disease." Oakvilleâ€"based Searle Canada Inc. has given a $1.6â€"million grant to The Toronto Hospital to assist cardiovascular research over the next four years. Searle gives $1.6â€"m grant for heart research 5156 5163 5170 5178 5179 5240 5239 5246 5243 5249 5424 5011 5094 5425 5426 5191 7000 5037 5035 5038 establish guidelines for the project, said Falcone. In Oakville, the company worked with the Ministry of Environment and the Town of Oakville to decommission its refinery operation. Prevention is also part of sustainable development and one which forced Shell (See "Shell" page 24) The Toronto Hospital is one of the largest research and clinical cardiovascular centres in the world. It provides the greatest number of cardiovascular services of nay health care institution in Canadaâ€"helping thousands of patients annually. About 2,100 open heart surgery, 7,000 cardiac catheterizations and angioplasty procedures are conducted annually, accounting for almost twoâ€"thirds of the tertiary adult cardiac care in Metropolitan Toronto and almost 25% of such care for Ontario. The hospital‘s Division of Cardiology is a national resource for cardiovascular discovery, education and care. It currently conducts research in three major areas: arrhythmias (disturbance of heart thythm) and sudden death; atherosclerotic cardiovascular disease (hardening of the inner lining of anenes) and cardiac hypertrophy (increase i 1n the size of the heart) and failure. TRAVEL American Express Travel Bruce Hood Travel.......... REAL ESTATE Century 21 Miller Royal LePage....... Auto Collision Repair FINANCIAL Investors Group Financial Planning.. Investors Gropup RRSP‘s................... Richardson Greenshield................... Royal Bank â€"" Bank by Phone"........... Royal Bank â€" Information Services AURANTS Roberts Fish Cove TelaIGar 2007 OBWIIE PIBCE.:. ssm B0 HOBDECAIC B1 Oakland Lincoln Mercury Car Truck Rental Hertz Car Truck Rental... PRINTERS Pocket Press PLANT HEALTH CARE Farm Forest Research 6012 5016 6007 6018 6005 6016 6015 6040 6032