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Wednesdsay November 15, 2000 THE OAKVILLE BEAVER D7 Business Software allows firms to make informed decisions (Continued from page D8) Pringle. "Often we see dollars going out here and there, with the company treating it almost like lost money. We want our corporate clients to look at what they're doing as an investment in the community." To that end, GrantStream works with clients to determine what their needs and goals are and how they can create meaningful partnerships with the not-for-profit sector. "It doesn't always come down to dollars," says Pringle. "In some cases, there are opportunities for teamwork in other areas, such as pledging volunteer hours or donating excess equipment.." Once a strategy has been mapped out, GrantStream creates an on-line application form which all not-forprc^it groups use to subm it their requests. The data gets entered by the applicant and then screened by GrantStream based on the corporate client's areas of interest. "If someone applies who doesn't meet our client's criteria, our software screens them out and sends out a reply on the com pany's behalf," explains Pringle. "The ones who m ake it through the initial screening get checked and analyzed by our staff who then pass the recommendations on to the client." In addition to eliminating headaches and paperwork for corporate clients, Pringle says GrantStream also offers benefits to the not-for-profit sector by levelling the playing field. With every one filling out the same application form, the little guy with the low profile is on equal footing with the larger, bet ter-funded organizations that have the means to make a glitzy presentation. All decisions can be based strictly on the merit of the individual proposal. Pringle says his newly-launched company has received fantastic response from both the corporate and the not-for-profit sectors. Anyone wishing further informa tion about GrantStream and the ser vices it offers should call (416) 6327820 or fax. (416) 632-7830. Maximize RRSPs and take government gift R R SPs are the prim e savings vehicle for m ost Canadians. It is not the investm ents that you own in your RRSP, but the tax advan tages that provide a substantial part o f your gains. Many investors focus on the specific investm ents they hold and not the tax planning advantages o f a RRSP. C onsider two investing options. Assum e that you are in a 50% tax bracket and invest $5,000 per year for 30 years at an annual return of 10%. If the m oney were invested taxfree inside a RRSP, the value after 30 years w ould be approxim ately $850,000. However, if the investm ent were taxable year-by-year and you sold part o f it each year to pay the taxes, PETER WATSON Dollars & Sense the value would be worth approxi mately 40% o f the $850,000 RRSP or about $350,000. The obvious conclusion from this exam ple is to invest within your RRSP and enjoy the tax-free com pounding. There are other tax considerations not mentioned in the above example. They include the immediate tax sav ings for the RRSP contributions as they are made. Furtherm ore, investing in a RRSP also gives you the opportunity to defer taxes for many decades and use these deferred taxes, interest free, to add to your retirem ent nest egg. Now that we have done the math, consider the im plications in your ability to retire comfortably. Three main advantages to investing within an RR SP as opposed to regular investing that will affect your retire ment are: First, you can allow the tax advan tages to build your portfolio faster and enjoy a higher standard o f living during retirement. The above exam ple showed how the same invest ments would provide either $350,000 or $850,000. Second, you could retire early. The taxable investm ent took 30 years to reach a value o f $350,000, howev er, it took ju st over 20 years to reach that figure within a RRSP. And, finally, the third advantage is y o u 'co u ld reach the same value within a RRSP by saving less. E veryone know s we live in a heavily taxed country so make sure to use every tax break available to you. M aximize one o f the few gifts from the governm ent -- maximize your RRSP. Peter Watson, MBA, CFP, RFP is the president of Peter Watson Investments -- an Oakville firm specializing in retirement planning, RRSPs, and investment plan ning. He can be reached at 842-2100. ENTER to win $500 in GIFT CERTIFICATES Mail to: The Oakville Beaver 467 Speers Rd, Oakville, On L6K 3S4 fax 337-5568 ATTN. KELLY R e a d e rs ' (Selection AWARDS the2000© A / .om inees a re... Bedding & Linen 1. The Bay 2. Halton Linen 3. Feathers 4. Victoria Linen and Lace Drug Store 1. Oakville Rexall Drug Store Q 2. Shoppers Drug Mart 3. Pharma Plus Bookstore 1. Chapters Q 2. Bookers 3. Coles Tire Shop 1. Jensen Tire 2. Canadian Tire 3. Moore's Tire Camping Equipment 1. Hiker's Haven Q 2. Canadian Tire Q 3. Oakville Surplus Exchange Florist 1. Heidi's 2. Oakville Florist 3. Forget Me Not Flowers Office Supplies 1. Business Depot 2. Fanhans 3. Frid and Russel Cellular Phone Shop 1. National Cellular 2. Primeline 3. Air Cell Record Store 1. Future Shop 2. HMV Furniture Q 1. Sears Furniture & Appliance 2. Ennisclare Interiors 3. Swiss Interiors Auto Parts Q 1. Canadian Tire Q 2. Halton Auto Electric 3. Mantis Racing Bridal Store 1. Dormel 2. Frank And Zora 3. Glimpse of Radiance Chocolates Q 1. Walker's Chocolates 2. Simply Chocolate 3. Bernard Callebaut Electronics 1. Future Shop 2. Flippance & Carr Q 3. Radio Shack Mattress 1. Sleep Factory 2. Royal Mattress 3. Mattress City Windows Q 1. Travelling Windows 2. Ridley Windows & Doors 3. Supreme Windows 4. Rollex Bath & Kitchen 1. Canac 2. Oak. Kitchen Centre 3. Design Idea Children's Furniture 1. A Room Of My Own 2. Sears 3. Cribs 'n' More Automotive Collision & Repair 1. Action Collision 2. Oaktown Collision 3. Carstar Consignment - Second Hand 1. Phase 2 2. By Consignment 3. Chic Repeats BEST BUSINESS SERVICES Weight Loss Clinic 1. Argus Medical Diet Centre 2. Weight Watchers 3. Lifestyle Metabolism Auto Class 1. Apple Auto Glass Q 2. Dependable Auto Glass 3. Crystal Glass Long Distance Provider 1. Bell 2. London Telecom/Primus 3. Sprint Hotel/Motel 1. Country Inn 2. Holiday Inn Express 3. Ramada Inn Security Service/Locks 1. Harp 2. ADT 3. Active Lock & Safe Sewing Supplies 1. Oakville Sewing 2. Sewing Machine Store 3. Haberdashers Pool Company 1. Cartier Pools 2. Pioneer Pools 3. International Pool & Spa Catering Company 1. Mari's Deli 2. Lorraine's Pantry Q 3. Otellos Travel Agency 1. Bruce Hood 2. Carlson Wagonlit 3. Oakville Travel Retirement Home I. Kensington 2. Vistamere 3. Trafalgar Lodge Home Builder 1. National Homes 2. Glen Orchard Homes 3. Mattamy Homes Car Wash 1. High Class 2. Sunoco Softcloth 3. Esso Water Company I. Crystal Springs 2. Flamboro Springs 3. Culligan Oil/Lube Change 1. Canadian Tire Q 2. East Side 3. Fourth Line Auto Carpet/Floor Coverings 1. Speers Rd. Broadloom 2. Albert's Carpet One 3. www.f1ooringca.com Investment Company 1. Merrill Lynch 2. Nesbitt Burns 3. Fiscal Agents Lumber 1. Cashway Building Supplies 2. Lansing Buildall 3. Main Lumber Cruise 1. Bob's Cruises 2. Cruise Ship Center's 3. Cruise Holidays Massage Therapy 1. Active Touch 2. Thumbs Up Shiatsu Q 3. Oakville Shiatsu Dry Cleaner 1. Wright's Cleaners 2. Spotless 3. Oakville Dry Cleaners Landscape/Lawn Service 1. Green Brigade 2. Servicemaster 3. Enviromaster Bank/Trust Company 1. CIBC Q 2. Toronto Dominion 3. Royal Bank of Canada Carpet/Upholstery Cleaner 1. On The Spot 2. Action Chem Dry 3. Absolute Chem Dry Fitness Club 1. The Gym 2. Ferrone's 3. Premier Health & Fitness 4. Total Balance Hair Salon 1. Hutton's 2. Civello 3. Atelier Radio Station 1. CHUM FM 2. K-LiteFM 3. 99.9 Hits Insurance Company 1. Vince, Tomensen, Dickerson 2. Halton Caird 3. Affiliated Insurance Air Conditioning I. Air Calm 2. A-l Heating & Air Conditioning 3. Branair Lawn Care Equipment 1. Current Power PEO PLE Radio Personality 1. Marylyn Denis 2. Roger Ashby Newspaper Columnist Q 1. Andy Juniper 2. Alex Eberspaecher 3. Diane Hart Insurance Agent 1. Kelly Cullin 2. Wayne McCill 3. Andrew Heideman Financial Planner Q 1. Peter Watson Q 2. Stephen Ison- Edward Jones 3. Ray Jackson 4. Paul Foley Accountant Q 1. Allan Ogilvie 2. Charles Havill 3. Ross McBean Clown 1. Jimbo 2. Patches 3. Squeaky Chiropractor 1. Dr. Brett Moore 2. Dr. Simpson 3. Dr. Roper Optometrist 1. Dr. Karen Smith . 2. Dr. Courchesne 3. Dr. Gall Dentist 1. Dr. Phelan 2. Dr. Simon Pong 3. Dr. Kazdan Best Deck Design 1. Just Decks 2. Select Deck and Fence 3. Signature Decks Lawyer 1. Kathryn Naumetz 2. Kevin Haxell 3. Stephen Skrow Antiques Store 1. Olde Oak Antiques 2. Antique Treasures of the World 3. Oakville Used Furniture & Antiques Shoe Store Q 1. Charles Austin 2. Cheslers Q 3. Towne Shoes China/Gift Store 1. Mary's Keepsakes Q 2. Rob McIntosh Crystal Q 3. Rawa's Discount Store 1. Bi-Way 2. Liquidation World Q 3. Growl'n Gator Vacuum Store 1. Halton Vacuum 2. Oakville Vacuum 3. Advantage Vacuum Appliance Shop 1. Domaine 2. Sears 3. Oakville Appliance Lingerie Store 1. Inside Story 2. Gwendolyn Shop 3. Desires 4. CoodNight GoodMorning Convenience/Cigar Store 1. Hennesey's 2. Havana Q 3. Celebrity Tobacco Gardening Centre 1. Terra Nurseries Q 2. Clargreen Gardens 3. Agram Hardware Store 1. Canadian Tire Q 2. Home Hardware 3. Home Depot Craft Shop 1. Michael's 2. Crafters Cove 3. Harbour Craft Sporting Goods 1. Corbetts 2. National Sports 3. Oakville Cycle & Sport Golf Shop 1. Pro Golf Q 2. Golf town 3. Oakville Club Builders Home Improvement Centre 1. Lansing 2. Home Depot Q 3. Cashway Picture Framing 1. Surroundings 2. Green Cables 3. Greenings Bicycle Store 1. Cycle Path 2. Oakville Cycle & Sport Q 3. Canadian Tire Computer Store 1. Canadian Computer 2. CNS Computers 3. Compucentre Lighting Centre 1. Gerrie Electric 2. Lando Lighting 3. Raymar Lighting Toy Store 1. Zellers 2. Toys R Us 3. Wal-Mart Camera Shop 1. McCutcheon's 2. Black's 3. Moto Foto Pet Shop 1. Rens 2. Super Pet 3. Pets & More Shutters/Blinds 1. Windows by Bruce 2. Mastercraft Shutters Q 3. Supershades 4. Shutters Unlimited Spa/Hot Tubs I. Cartier Pools 2. International Pool & Spa Upholstery/Restoration 1. Baiers 2. Howards Second Generation 3. Master Furniture Esthetics/Aesthetics 1. Huttons 2. Liliannes 3. Necessities Electrical Contractor 1. North Star Electric 2. Bucci Electric 3. Carbone Electric Electrolysis 1. Bare Nature 2. Liliannes 3. Abbeywood Spa Maid Service 1. Merry Maid 2. Molly Maid 3. Kathy's Cleaning BEST ENTERTAINMENT SERVICE SPORTS Movie Theatre 1. Famous Players 2. Cineplex 3. AMC Movie Rental 1. Blockbuster Video 2. Maplegrove Video 3. Entertainment 4 You Bingo Hall I. Mayfair 2. Meadowvale Billiard Hall 1. Avalon Billiard's Club 2. Billiard Time Q 3. Arnold's Entertainment Local Coif Course 1. Clen Abbey Golf Club 2. Deerfield 3. Saw Whet Local Sports Team 1. Oakville Blades Local Event 1. Waterfront Festival 2. Canadian Open 3. Jazz & Blues Festival Live Entertainment 1. Oakville Centre 2. Theatre Sheridan Bowling 1. Bowlerama 2. Hopedale Bowl Q 3. Classic Bowl Tourist Attraction 1. Bronte Q 2. Downtown 3. Gairloch Gardens Martial Arts Facility I. Ontario Centre for Martial Arts 2. Morning Star Tae Kwon Do 3. Kick Jitsu Mini Putt 1. Family Golf 2. Putting Edge Children's Playground/Amusement I. Planet Laser 2. Ducky's Play Centre 3. Scooters Dance 1. 2. 3. (Children) Instructional Oakville Ballet Classics Dance Fleming School of Dance 2. Cliffs Lawn 3. Ashots Painting/Decorating 1. Oakville Paint & Wallpaper 2. Speers Rd. Paint & Flooring 3. Painters Place Mover 1. Oakville Movers 2. Atlas 3. Bronte Movers Transmission Shop 1. Halton Transmission 2. Aamco 3. Mister Transmission Body Shop 1. Action Collision 2. Car Star 3. Park Auto Body Photography Studio 1. Aura 2. Time & Again 3. Phillips Photography Print Shop 1. Somerville Graphics 2. Zippy Print Q 3. Ideal Graphics Muffler Shop Q 1. Meineke Muffler 2. Midas Muffler 3. Speedy Muffler Driving Instruction I. Young Drivers of Canada 2. Sears Brew Your Own Wine/Beer 1. Einstein Brew House 2. Hopping Crape Vine 3. Wine Kitz Shoe Repair 1. Moneysworth & Best 2. Hopedale Shoe Repair Q 3. Head over Heals Banquet Facility 1. Le Dome 2. Clen Abbey Golf Club 3. Otellos Courier 1. Purolator 2. Swiftsure/Sameday Interior Designer 1. Sylvia Camilleri 2. Peartrees of Oakville Q 3. Decorating Den Optical Store 1. Space Optical 2. Foreyes Optical 3. Hakim Optical Day Care/Nursery 1. Springbank 2. Wee Watch 3. Thistle Oaks Art Gallery 1. Native Art 2. Abbozzo 3. Creenings Employer/Manager 1. Ford 2. Sheridan College 3. Town of Oakville Veterinary Clinics 1. Speers Rd. Animal Hospital 2. Bronte Rd. Animal Hospital 3. Trafalgar Animal Hospital BEST SH O PPIN G STUFF Shopping Area 1. Bronte 2. Downtown 3. Town Centres I & II Shopping Plaza 1. Trafalgar Ridge 2. Upper Oakville 3. Town Centre I & II Shopping Mall 1. Oakville Place 2. Hopedale 3. Trafalgar Village Department Store 1. The Bay 2. Wal-Mart 3. Sears Men's Store 1. Garvey's 2. Mens Wear Co. 3. Art Lee Women's Store 1. Lundstrom 2. Elfie's 3. Barbette Children's Store 1. PJ.'s 2. Sears 3. Harrisons Jewellery 1. Howard Williams 2. Srigleys 3. Manning Jewellers Fur Salon 1. Barrington's 2. Furs by Koehler Health Food 1. Health & Bulk Food 2. Alternatives Natural Foods 3. Abbey Health Foods 4. Body of Health Frozen Food 1. M&M Meats Fabric Shop 1. Fabricland 2. Fairhome 3. Bouclair Bakery 1. Petit Gateau 2. Monastery Bakery 3. Glen Abbey Italian Fresh Fruits & Vegetables 1. Fantasy Fruit 2. Longo's 3. Franks Food Basics Q 4. The Barn Musical Instruments/Instruction 1. Hi Note 2. Gear Music 3. Lakeshore Music 4. Merriam Music Butcher 1. Dietrich's 2. Bruno's 3. Olde Fashioned Butcher Shop 4. Florence Meat Employment Agency 1. Adecco 2. Kelly Services 3. Drake Gymnastics 1. Oakville Gymnastics Club Q 2. Schlegals Gymnastics Centre 3. YMCA Dance (Adult) Instructional 1. Arthur Murray 2. Fred Astaire Name__ Address. Phone__ Fire Place Centre 1. Future Flames 2. BBQ Gas Grill < J *