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a) The maximum amount of $12,500 or b) 18% of your previous years income less your pension adjustment (if you are a member of a pension plan at work). There are three ways that you can determine your RRSP contribution limit for the 1993 taxation year. The first, and simplest way is to look at your Notice of Assessment from Revenue Canada for the 1992 taxation year. Part of the Assessment hile mutual funds are generally designed to reward investors in the long run, there‘s an investment fund that gives you an immediate tax advantage. Working Ventures Canadian Fund gives you a 40% headstart over ,ust about every other f fund in Canada. ‘ Here‘s 2 Now, you can take advantage of a unique investment fund â€" Working Ventures Canadian Fund â€" that could permit you to reduce this year‘s taxes by $4,500! That‘s more than the tax benefit of just about every other RRSP in Canada. You receive $2,000 in tax credits* by investing Your Net Cost $5,000 in Working Ventures Canadian Fund. Your Total Tax 8a The fact that Working Ventures shares are also eligible for an RRSP means further tax breaks. For instance, if you are in a 50% marginal tax bracket, a $5,000 contribution to an RRSP would reduce your taxes by a further $2,500, for a total of $4,500 ($2,000 + $2,500) in tax savings®. Your investment will primarily be reinvested in promising, growthâ€" oriented small and medium size businesses in your province. Experience That Counts Key to the performance of the fund is the expertise and experience of its management team headed by Ron Begg, President. »His track record of success combines senior corporate management disciplines with the handsâ€"on companyâ€"building skills of a successful entrepreneur. This complements well the investment and finance background of Jim Hall, Viceâ€"President Investments. Jim has solid professional credentials from public accounting and merchant banking, and a record of originating and managing successful investments. Jim offers a prudent, tlisciplined and seasoned approach to the development of a strong, diversified investment portfolio. WORKING VENTURES CANADIAN FUND INC. The Power Of Working Ventures Canadian Fund Save an Extr‘a 40% in taxes on your RRSP contribution this year Discover How Working Ventures Can Work For You The second method to determine your contribution limit is to ;fihone a special phone line set up by evenue Canada. It is their Tax Information Phone Service (TIPS) at 1â€"800â€"668â€"9470. This is an automatic phone service so you will need your social insurance number and your month and year of birth. Call the number and when you hear the voice pe in 1â€"3â€"0â€"1, then you type in your SIN, then 9, then your birth month ie Jan = 01 then 9, and last your year of birth followed by a 9. It works and it really is quick. Here‘s an example: Investment in Working Ventures _ $5,000 Tax Savings â€" $2,500 â€" RRSP tax deduction (at 50% asymed tax rate) Federal Tax Credit (20%) â€"$1,000 Provincial Tax Credit* (20% where applicable) Your Net Cost Your Total Tax Savings The pension adjustment is shown in box 52 of your T4 received from your place of employment. The pension adjustment is intended to help maintain equity between those who are and l:lot members of pension plans at work. Mr. Blanchard invites your calls and comments marked to the attention of the Manager, Financial Concept Group, 22 Lakeshore Road West Oakville LG6K 1C5 338â€"8600. For more information, please call: ANDY BLANCHARD FINANCIAL CONCEPT SECURITIES 22 Lakeshore Rd. West Oakwville, Ontario Tel: (905) 338â€"8600 Opeh Investment Objective Working Ventures‘ objective is to produce the superior returns traditionally associated with investment in dynamic and growing businesses, while minimizing risk through prudent __â€"â€"â€"â€"â€"â€"â€"â€"â€" _ development and management of the fund. Participation in Working Ventures should be considered as a long term investment. However, you may redeem (cash in) your Working Ventures shares subject to certain conditions. If you redeem your shares within 5 years of purchase, you will be required to return your tax credits to the federal and provincial governments (some exceptions apply). Working Ventures may restrict total redemptions to 20% of total assets of the fund in any one year. A fee of 3/4 of 1% of redemption value will be charged for each year shares are held short of 8 years Due to the current economic environment, Working Ventures is in an ideal situation, prepared to take advantage of investments in underâ€" valued businesses and positioned to profit as the economy turns around. And, while a majority of the fund‘s assets will be invested in enterprising businesses to maximize return potential, risk is tempered by investing a portion of assets in shortâ€"term, high quality government securities Important information about this investment fund is contained in its prospectus. Obtain a copy from a securities dealer duly qualified and licensed to distribute these securities and read it carefully before investing. Share value and investment return will Auctuate. "The extra provincial tax credits are available to investors resident in Ontario. Prince Edward Island and New Brunswick. First published October 1993. Private equity investing involves certain risks that are not encountered with many other investments. Although Working Ventures provides you with a tax credit to help offset those risks, it cannot guarantee that its investments will earn a specified rate of return, or any return, in the short or long term. In addition, a private equity investment involves a longer term commitment. Poised For Growth (Continued from page 71 and unipolar depression, presents A Speers Rd. Proceeds to charitable organiâ€" _ Panel Discussion with Family Members zations. Affected by Bipolar Depression, folâ€" Bronte Legion ladies auxiliary (Branch 486) holds bingo, Mayfair Bingo Hall, 483 Speers Rd., 6:30 p.m. proceeds to charitable, religious and community projects. Progressive Euchre Evening at the Oakville Senior Citizens Recreation Centre, 263 Kerr St. Cost, $2 which includes refreshments and cash prizes. Couples and singles welcome. Information: §45â€"8141. Oakville Chamber of Commerce Womens Network meets, Allegro Cafe Ristorante, 2330 Lakeshore Rd. W. 5:15 p.m. Topic: Business Book Review. Cost: $20 per person. (March 7th: Kelly Turner, Retail Advertising Manager, Oakville Beaver) RSVP by Feb. 4th: 845â€"6613. Equilibrium, a support group for the families and persons affected by bipolar Open weekdays until 8 p.m. Sat. 9â€"5, Sun. 1â€"4 and unipolar depression, presents A Panel Discussion with Family Members Affected by Bipolar Depression, folâ€" lowed by question and answer session, 7:30 p.m., St. Dominic‘s Parish Centre, 2415 Rebecca St. Information: Canadian Mental Health Association, 845â€"5044. Oakville Stamp Club meets, 7 p.m., cafeteria St. Thomas Aquinas Secondary School, 124 Margaret Dr. Visitors welâ€" come. Tonight: Sales circuit. New memâ€" bers welcome. Information: Secretary, Oakville Stamp Club, PO Box 69643, Oakville, L6J 7R4. Are you new to Oakville? Would you like to meet new friends? Oakville Newcomers Club is a social club open to women who have moved here within the last two years. Meeting, 7:30 p.m., Trinity United Church, 1250 McCraney St. Info: Karen, 847â€"8702 or Pat, 847â€" 5694. Overeaters Anonymous meets, 8 p.m., Knox Presbyterian Church, Dunn Street. Information: Sharon, 844â€"9518. Are you a mom with one or more children under the age of six? Do you need a break? Enjoy a guest speaker and stimulating conversation while your chilâ€" dren are cared for in a room down the hall with Aid for New Mothers, 9:15 a.m. to 11:15 a.m., Chartwell Baptist Church, 228 Chartwell Rd. Iroquois Ridge High School Community Meeting, 7 to 9 p.m., Falgarwood Public School, science room. Twins Club of Oakville, a support group for mothers of multiples, meets, 8 p.m., Munn‘s Public School, Sixth Line (front doors). Information: 842â€"3309. Halton Family Services Bereavement Support Group meets. Information: 845â€"3811. Monthly meeting of the St. Thomas Aquinas Parent Council, 7:30 p.m., school library, 124 Margaret Dr. All parâ€" ents welcome. p.m., St. Ignatius of Loyola. Information: John , 847â€"1235 or Dennis, 827â€"8216. Movie Afternoon at the Oakville Senior Citizens Recreation Centre, 263 Kerr St. Movie: Sleepless in Seattle. All welcome. Free RRSP Seminar Maximizing RRSP Returns, 7:30 p.m., Oakville Central Library auditorium. Don Glennie of Fortune Financial Corporation in Oakville who will discuss opportunities to increase your RRSP rate of return in 1994. Information/reservations: 825â€" 8338. First Oakville Toastmasters meet, 7:30 p.m. Knights of Columbus Hall, Wallace Road. Information: Valerie Clements, 336â€"0880. Mothers and expecting mothers interâ€" ested in breastfeeding their baby are welâ€" come to attend meeting of Oakville La Leche League, 8 p.m., 410 Maidstone Cresc. Information: 825â€"2352, §42â€"5983, (See ‘Update‘ page 9) Glen Abbey Toastmasters meet, 7:30 Thousands of once nearâ€" sighted people now enjoy this _ freedom. _ An advanced laser procedure which takes an eye doctor only minutes to perform has changed the way they see the world. If : you‘re over 21 and nearâ€" + sighted, you may be a suitable candidate. â€" Informational seminars will be held at the Imagine Life Without Glasses Or Contacts! Dr. Calvin W. Breslin 239â€"4623 MISSISSAUGA CENTRAL LIBRARY (301 Burnhamthorpe Rd., West of Hurontario) at 7:00 p.m. on: Wednesday, FEBRUARY 9th Tuesday, MARCH 1st WEDNESDAY FEB. 9 To obtain more’informqtion or register for the seminar