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1393 Wheelwright. RUSSELL CATHERINE SMITH, Sales Reps, 338â€"6550. Town Centre Realty Inc. 280 North Service Road West Countrywide Furnished executive residence for the months of July and August offering $3,000 per month References supplied. MUST BE WELL MAINTAINED LEONORA HOPKINS $25.2525 Ravine â€" end unit only $99,900. 3+4 bdrms, garage applainces. Only 5% (10':4{1A ‘:8 99% interest. REQUIRED IN OAKVILLE RESIDENCE IN MATURE ARFEA $300,000 â€" $350,000 4 Bedrooms: Pool $180,000 â€" $200,000 2 FABULOUS T HOMES $128,900 2 Storey WILLEKE SIMS 825â€".2525 23) estimate which person will have a lower tax â€" rate during retirement when these funds will be withdrawn from the RRSP. Funds withdrawn from a RRSP are added to your income and are, Many decisions needed (Continued from page GLEN ABBEY â€" THE ULTIMATE TOWNKHOME $249,900. Absolutely gorgeous, 2150 sq. ft. Mattamy freehold end unit townhome! Outstanding floor plan, hiâ€"lighted by a huge 20‘ x 15¢ oak floor family room built around an imposing floorâ€"toâ€"vaulted ceiling "Muskoka" fireplace. Luxuriously appointed in the tradition of Mattamy‘s Connoisseur Series, with many additional upgrades. Treat yourself to a Special Lifestyle! Call: JIM BLAKE COUNTRYWIDE REALTY SPECIALISTS INC. $327,000. Summer fun begins here. Inground heated pool, complete nanny suite with fireplace own kitchen, immaculate 4+ bdrm, home in heart of Glen Abbey. JOANNE DEAN* 845-4267 338â€"3708 L LEPAG ual Canadian/American en. Let me help you move in either direction‘!! M!LIIIIIIIIIIIIIIIIIIIIIII Roval LePage Services Ltd., Broker $224,900. Exceptional lot with biâ€"level deck. Mature trees on quiet crescent, Finished basement with 4th bdrm. full bath. Impeccable home. MARIA TURTON* $45â€"4267, 338â€"3708 : . ©Stephe Real Estate 560 Brant Street 639 6111 24 Hr Prestigious Adult Building, 24 Hr. Security, featuring 2 B.R.‘s, 2 Baths, Solarium, Laundry Rm., Office, Sunken Living Rm., and Balcony with breathtakâ€" ing view of Lake and Toronto Skyline. Outstanding Building with numerous facilâ€" ities. Offered at $298,900. Call ANN BROWNLEE, Sales Rep., or GRAHAM BEZER, Assoc. Broker, 639â€"6111 NEW LISTING ENNISCLARE II â€" LAKEVIEW 858â€"4222 Don‘t get this confused with the fact that family assets are held jointly. That is a provincial matter and income tax is a federal issue. therefore, taxed. It makes sense to have this tax paid by the person with the lower tax rate. 24 Hrs. Your option was to purchase that investment within your RRSP and the end result would be to postpone and possibly reduce the amount of taxes. Better still, if this investment _ was made in â€" your spouse‘s name, then taxes might be reduced further. CFP, RFP is the president of â€" Peter _ Watson Investments Limited â€" an Oakville firm specializing in retirement planning, RRSPs, and investment planning. He can be reached at 842â€"7602. The ultimate goal is to make good in ve s tm e n t decisions in addition to organizing those investments in a manner that is most beneficial. Fortunately, you have a good income, but unfortunately, you are in a high tax bracket. A large part of your windfall goes . to > the government. Assume that you invested $50,000 and in less than a year, that investment was sold for $100,000. Congratulations on your success. dermagraphics learning facilities, and through professional beauty stores across Canada and the United States. Anyone wishing more information can contact Gabriella at 1â€"800â€" 463â€"9942. involved in "micropigmentatio n" or permanent makeâ€"up. S:p e c i1 f ic in ve s tm e n t decisions are just a means to an end. In some cases, the actual investment decision * ig secondary. _ We should consider a case where this is Products certified Her line of cosmetic pigments, which are all food and drug certified colors, are being sold only through i n d i v i d u a 1 in ve s t m e n t decisions are made in the context of your grand master plan. It is your long term goals that control the process. Ottawa will tax the person who is the actual owner. Originally, you had thought you were making a simple decision, but now you can see that all of your (Continued from page Peter Watson, MBA, 23)