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i Uo I 7% 20 OFF i r ANY SERVICE 9 I WITH ROBIN : The staff at HAIRLOOM HAIRSTYLING welcomes ROBIN to their salon. Robin invites all his clients friends as well as new customers to visit him at his new location. Robin is formerly from Oakville. <Hairloom HAIRSTYLING w eficomes ob â€"NOW OPEN MONDAYSâ€" â€"â€"â€"â€"â€"â€"â€"â€"â€"â€" 71 5291 Lakeshore Rd. E. 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 just about every other s 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 40%* more than the tax benefit of just about every other RRSP in Canada. You receive $2,000 in tax credits* by investing $5,000 in Working Ventures Canadian Fund. The fact that Working Ventures shares are also L____â€"_â€"â€"â€"â€"â€"â€" 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. Key to the performarllce of the fund is the expertise and experience of its management ieam 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, disciplined and seasoned approach to the development of a strong, diversified investment portfolio. The Power Of Working Ventures Canadian Fund Save an Extra 40% in taxes on your RRSP contribution this year Experience That Counts Discover How Working Ventures Can Work For You ~" WORKING VENTURES _ CANADIAN FUND INC. (Parkwood Plaza â€" Between Burloak Appleby Line) LAKESHORE RD. E Here‘s an example: Investment in Working Ventures _ $5,000 Tax Savings â€" $2,500 â€" RRSP tax deduction (at 50% asspmed tax rate) Federal Tax Credit (20%) â€" $1,000 Provincial Tax Credit* (20% where applicable) â€" $1,000 Your Net Cost $500 Your Total Tax Savings $4,500 With a Selfâ€"Directed plan, you can hold just about any RRSPâ€" eligible investment you like, including your own mortgage. The real question is what do you want to hold in your RRSP, and what degree of flexibility do you require? Or perhaps, your question is more basic â€" who has lowest annual Selfâ€" directed RRSP fees? Some brokerage firms have RRSP fees ranging from noâ€"fee accounts to others who charge in excess of $200 per year. While the noâ€"fee accounts have restrictions on the type of investing that may be purchased in the plan, most fully Selfâ€"directed plans, although more costly, do For more information, please call: ANDY BLANCHARD FINANCIAL CONCEPT SECURITIES 22 Lakeshore Rd. West Oakville, Ontario Tel: (905) 338â€"8600 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 turms 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 Investment Objective 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 provide you with a great deal more flexibility. While most banks and trust company‘s offer Selfâ€"directed plans with a limited choice of investment options, usually their own mutual funds or investment certificates, some banks and trust company‘s offer completely Selfâ€"directed plans through subsidiaries with prices ranging from $25 to $200. As 'you may already be aware, the choices are far too numerous for me to discuss here. I will provide you with a few points to consider that I use to Open weekdays until 8 p.m. Sat. 9â€"5, Sun. 1â€"4 The last and most important point... 6. Who is your investment advisor? If you‘re paying a fee, then use the advice from your investment advisor. Andy Blanchard invites calls and comments marked to the attention of: The Manager, Financial Concept Securities, 22 Lakeshore Rd. W., Oakville L6K 1C5, 338â€"8600. ELECTROLYSE NEED A CAR OR TRUCK? IT‘S THE LEASE WE CAN DOI! POOR CREDIT/BANKRUPT? CALL ME 844â€"2320 NEW USED Thousands of once nearâ€"sighted people now enjoy this freedom. 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