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The Canadian Statesman, Bowmanville. May 13,1998 Section Two Pace 5 Make Your Home a Part of Your Retirement Plan From page 4 the clawback level and reduce any social benefits you ordinarily may be entitled to. Given this scenario, you would assume that a house is a belter deal than an RRSP. Not necessarily so. Both play a role in any meaningful financial plan. In today's high-tax environment, environment, it pays to take every deduction you can possibly get. And given today's low interest rate levels, it also pays to borrow borrow as much as you can to own the most valuable principal residence possible. possible. Where docs this leave other investments like mutual funds and stocks? I believe they should play a major role in every investment/ investment/ retirement planing strategy. In fact, your house fits into this strategy very neatly. Once you've been able to amass enough money for the down payment, payment, you will have, in fact,a forced savings plan. You must make monthly payments or you lose your iiousc. Forced savings plans have proven to be the most successful way to save for the average investor. WINDOWS • DOORS • SOFFITS • COMPLETE RENOVATIONS ^1% Mli!0ingm vjBowmanville's largest indoor Showroom for the Renovation Industry. Specializing in Kitchens and Baths H EVERY GORGEOUS CANAC KITCHEN: ^ 40% OFF! . < pi*' Right now. without a doubt, is the perfect lime to get the Comic kitchen you wont, with more Service, Selection, and Savings than you could imagine! More Service: Free design service; superb attention to detail; delivered on time, with expert installation! Canac Service is unsurpassed 1 . More Selection: More than 400 combinations of colour and finish.. .and over 50 dour styles! Whatever you want, we've got it! More Savings: We'll beat any competitor's price, so hurry in today for up to 40% off! We will not he undersold! 160 Baseline Rd., Unit C-l Bowmanville lots of free parkingi 623-0444 I WINDOWS • DOORS • SOFFITS • COMPLETE RENOVATIONS LOOKING fora Do wg hm o dealftnfoul PRESSURE TREATED LUMBER PRICES HAVE DROPPED!! Bring us your plans or call for a quote on your project - prices on lumber have been reduced since our most recent flyer booklet sent to your home on May 9th. See us for your best price! Orono Fuel & Lumber Ltd. "Since 1935 " 85 Station Street, Orono 983-9167 Best Value and Service You Can Build On PLUMBING SUPPLIES • ROOFING SUPPLIES • ELECTRICAL • PAINT SUPPLIES • PINE & ROOF SHEETING • DOORS 4 WINDOWS SOD Free Lawn and Grub Information All Green SOD GROWERS LTD. Specializing in] Kentucky- Blue Grass since 1962 RETAIL OR WHOLESALE FIELD PICK-UP OR DELIVERY 4100 Green Rd. Hampton 725-9674 or 263-2213 I.OJ.P. Taunton Rd, -d Od O) ALL GREEN []*| 33 HWY #2 ô HWY #57 '*E •Canadian Tiro => o U> The odds arc that if you take the money home, you'll spend it. If it disappears disappears before you get a chance to spend it, you'll have it for future use. We can use the same strategy when it comes to buying other investments like stocks and mutual funds. You should compare the benefits of making higher or extra payments on your mortgage or using these funds to acquire other investments. Each has a value but a combination of the two will ultimately produce the best results as far as most people are concerned. As a rule, you should always contribute contribute to your RRSP when you have extra money. You'll not only save taxes but enjoy tax-free compounding. compounding. You should then accumulate money to pay against your mortgage. However, anytime anytime you pay," - down your mortgage, mortgage, think about, borrowing an \ 1 equal amount toff buy investments. Guidelines For Using Pesticides Pesticides are insecticides, insecticides, fungicides, herbicides, herbicides, rodenticidcs, etc. Before pesticides can be used in Canada, they have to be registered. Before registration is granted by Health Canada, the chemical chemical has to be proven to be effective and safe. Agriculture Canada tests for the effectiveness of pesticides on plants and checks how long they remain on the plant. Based on this they tell us how long we have to wait before we can eat this plant. Health' Canada only allows chemicals to be used that do not cause cancer or sterility in people. people. Environment Canada protects wildlife and makes sure that only chemicals are registered that break down relatively quickly so they will not accumulate and harm other species. Fisheries and Oceans Canada have a say before these chemicals are registered registered for use in Canada or refused. Since the same chemicals chemicals are used all over the world, information is shared and monitored and changes can be implemented implemented as Health Canada sees fit. No chemicals are more scrutinized than pesticides pesticides and medicine. Knowing all the testing that has been done, the onus now is on the user. Use the chemical as it is intended to be used. Read and follow the label directions. directions. Mixing it stronger is not better, but can only endanger nontarget species. When using pesticides, pesticides, always read the entire label and follow the directions. Look For: •How to use •Where to use •Precautions •Environmental hazards •First aid •Toxicological information information (for doctor) •How to store •How to dispose People only take medicine medicine in proper prescribed doses when absolutely necessary. Pesticides should be treated the same way. •Preferably spray in the evening (dusk) when the wind has died down and the bees have stopped Hying. Hying. •Keep children and pets away from the sprayed area, at least until the spray has dried. •Keep pesticides in their original containers tightly closed, and store in a cool, dry place away from children, children, pets, food and open flame. Continued on page 7 We know that given a reasonable period of time, good quality mutual funds will outperform real estate. In addition, you'll also get some tax relief while you're waiting. If you pay $5,000, for example, against your mortgage and then reborrow reborrow to buy investments, the interest on the new loan is tax deductible. Brian Costello is heard daily over 180 radio stations stations across Canada, including most.major market market areas. This trcc-fricndly advice comes from Dorothy Jacus, whose Enniskillen property is a minor town attraction each spring. She likes to plant lilies and hostas at the base of her young fruit trees. The leafy buffer prevents her from nicking the trunk with her lawnmower or weed-whipper. 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