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Tax-Free Savings Accounts a better way to hold investments continued from p.19 ment account. The taxes you pay on that sixper-cent return are paid to the government at a rate that depends on your full taxable income. For example, if you paid income tax at the rate of 20, 30 or 40 per cent, that is the amount of tax that would be charged on your investment return. A better way is to own that investment in a Tax-Free Savings Account. All investments held within a Tax-Free Savings Account are tax free; therefore the simple task of changing the location of where you own the investment can have significant income tax savings. Any income tax savings means your aftertax return is higher. For many Canadians, that is the greatest source of increasing their after-tax investment returns. Asset Location is the decision of where in your investment portfolio should a particular investment be located. Failure to take advantage of this simple tax-planning technique is a mistake that most investors make. As an investor, the most important goal is not just the return on investment, it is the after-tax return on investment. The after-tax return can be greatly enhanced by how you structure your portfolio. As a general rule, bonds and other fixed income investments should be held within your registered retirement savings plan because interest income is fully taxable. Stock investments are usually held in a non-registered investment account because of the favourable tax treatment on dividends and capital gains. A little tax planning that incorporates Asset Location can increase your after-tax return by 20, 30 or 40 per cent depending on your tax bracket. April is when most people are filing their income tax. It is a good time to do a little tax planning that will increase your after-tax returns for the years ahead. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 23 | Thursday, April 2, 2015 | OAKVILLE BEAVER | www.insideHALTON.com Oakville Good Friday Household Waste Collection Notice Please note collection day changes Mon Tues Wed Thurs Fri Sat 30 31 April 1 Area 5, 6, 7, 8 Collection Moves 2 3 Good Friday 4 Due to the Good Friday holiday on April 3, Friday's household waste collection in Oakville collection areas 5, 6, 7 and 8 will take place on Saturday, April 4, 2015. There is no change to household waste collection the week of April 6, 2015. Please place your waste at the curb by 7 a.m. on your scheduled holiday collection day. Find your waste collection day at halton.ca/wastecalendar Sign up for weekly email or phone call waste collection reminders. Download your waste collection calendar to your personal iCal, Google calendar or Microsoft Outlook calendar. Print your own collection calendar. For more news, visit oakvillebeaver.com Halton Waste Management Site Regular operating hours: Open Monday to Saturday · 8:00 a.m. to 4:30 p.m. 5400 Regional Road 25, Milton will be closed Friday, April 3, 2015 Mississauga's Favourite Italian Cuisine Private Dining Available Ideal for Corporate Functions and Family Events Blue Box Items for GreenCart · Leftover chocolate and candies · Coloured hard boiled eggs · Parchment paper · Wax paper · · · · Items for Garbage Foil wrappers Plastic wrappers Plastic cling wrap Plastic bags Items for 905 822 5751 www.michaelsbackdoor.com · · · · Cardboard boxes Plastic chocolate trays Greeting cards Aluminum foil 1715 Lakeshore Road West Looking for a job? We can help. Join Employment Halton on Tuesday, April 14 at the Burlington Convention Centre (1120 Burloak Dr., Burlington) as more than 30 employers from across Halton Region gather to hire staff. Thanks to events like these, Halton has one of the lowest unemployment rates in all of North America. Let's keep Halton a great place to live and work. For more information, visit haltonjobs.ca or halton.ca/employmenthalton or dial 311. April 21 9:30 a.m. Health & Social Services Cttee. April 22 9:30 a.m. Planning & Public Works Cttee. Gary Carr Regional Chair Meetings at Halton Region · 1151 Bronte Rd., Oakville. Visit halton.ca/meetings for full schedule. April 22 1:30 p.m. Admin & Finance Cttee. April 29 9:30 a.m. Regional Council 020415 Please contact us, as soon as possible, if you have any accessibility needs at Halton Region events or meetings.