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Pace 4 The Claringiim/Couriicc Independent. Bowmamille. Saturday. May 16. 1998 Make Your Home a Part of Your Retirement Plan À Front page 3 the clawback level and v reduce any social benefits -!i you ordinarily may he entitled to. > Given this scenario, you a- would assume that a house a is a better deal than an y RRSP. Not necessarily so. Both play a role in any â; meaningful financial plan, y In today's high-tax envi- !<• ronment, it pays to take ai 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 does 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 house. Forced savings plans have proven to be the most successful way to save for the average investor. WINDOWS • DOORS • SOFFITS • COMPLETE RENOVATIONS 1 ■' 1 11 Z „ ..^Whës Building^v Bowmanville's largest If^ÊOCCj indoor Showroom for the Renovation Industry. Specializing in Kitchens and Baths ■ EVERY GORGEOUS CANAC KITCHEN: M 40% OFF! . Right now. without tt doubt, is the perfect time to pet the Comte kitchen you wont, with more Service, Selection, anti Savings thon you couhi imagine! More Service: Free design service; superb attention to detail: delivered on time, with expert installation! Canoe Service is unsurpassed'. More Selection: More than 400 combinations of colour and finish...and over 50 door styles! Whatever you want, we've got it! More Savinas: We'll beat any competitor's price, so hurry in today for up to 407c off! ■J 160 Baseline Rd., Unit C-l Bowmanville lots of free parking! 623-0444 | WINDOWS • DOORS • SOFFITS • COMPLETE RENOVATIONS LOOKING fora Do_ m hm a_ deffonjoif 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 4 ROOF SHEETING • DOORS 4 WINDOWS All Green SOD GROWERS LTD. Socializing in if- Kentucky Blue Grass since 1962 RETAIL OR WHOLESALE FIELD PICK-UP OR DELIVERY 4100 Green Rd. Hampton 725-9674 or 263-2213 >©j.p. Taunton Rd. Couriice Rd. ALL GREEN [] *; Ü) HWY 112 o HWY #57 'Canadian iiru f i -, -, -, I Tlie odds arc that if you lake 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 lias a value but a combination of the two will ultimately produce the best results as far as most people arc concerned. As a rule, you should always contribute contribute to your RRSP when you have extra me You'll not save taxes enjoy tax-free , pounding. You should accumulate tin 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 1 investments, the interest on the new loan is tax deductible. Brian Costello is heard daily over ISO radio stations stations across Canada, including most major market market areas. Gardening Tip This tree-friendly advice comes from Dorothy Jacus. whose Enniskillen property is a minor town attraction each spring. She likes to plant lilies and liosias at the base of her young fruit trees. The leafy buffer prevents her from nicking the trunk with her lawnmower or weed-wliippcr. wkillHIIIIllfliniHE Color Your'World The name, value anti excellent products that you have trusted for years. Janine is certified in Residential Interior Design anil as a consultant in Produels. Decor. Window Blinds and Carpels. Latex Drywall Primera t.iiretreg.SI6.%) *13.57 Eggshell Latex 4 Litre (reg $29.96) *22.47 Exterior Semi Gloss Lalex treg s.uuto *26.22 Exterior Gloss Oil treg. $.14.96) *24.47 mortgage However, anytime anytime you pay, down your mortgage, mortgage, think about, borrowing an equal amount tof f buy investments. * Guidelines For Using Pesticides Pesticides arc insecticides, insecticides, fungicides, herbicides, herbicides, rodcnticidcs, 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 cat 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 arc 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 arc 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 nontargcl 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 flying. flying. •Keep children and pets away from the sprayed area, at least until the spray has dried. •Keep pesticides in their original containers lightly closed, and store in a cool, dry place away from children, children, pels, food and open flame. Continued on page 6 | L-- i= ■ P ■ ■ Feature Carpet of the Month Textured Saxony "Sabrina" *2,37 sq, ft. Watch for the arrival of our new "Colour Palletle" - over 6000 eolours to choose from! Call Janine for free Shop-At-IIoinc Service for Illiwls, Carpet, Vinyl Flooring. Take advantage of lier 17 years of Decorating Experience. A 'COLOR YOUR WORLD' GIFT CERTIFICATE makes a great gift! SMILIiS are FREE! Open Monday to Thursday 9 to 6 Friday 9 to 9; Saturday 9 to 6 235 King St. E., llowmimvillcf 623-9750 54 Water St„ Port Perry 985-8221 T-;.ï < - & ■ zlwf '/ .'Mum KÀMSTRA GARDEN CENTRE TREES TREES TREES TREES TREES TREES TREES TREES Instant Shade Trees A sk ?«*; Tree PlflnttNS Many varieties to choose from (16 7 - 20') service $ Assorted Hanging Baskets Special *12.99 each. 159 - $ 199 Soil, Peat, Loam, Manure 5 Bags for $ 10. Ask how you can get your FREE bag of soil! Fresh Box Plants, Flowers and Vegetables Flat of 48 plants only $11.99 each. Mix and Match 'P&teeuUatd, See our selection of 150 varieties We have all your favourite We carry Flagstone and Frontenac Stone - great for patios and walkways! IZ A IMI ÇTTD A "h Tradition of Quality and Service" r AOncll r B Garden Centre 579-3395 GARDEN CENTRE For Top Soil Delivery 579-5571 1460 Taunton Rd. E., Oshawa 0PEN holiday Monday, may vmi Mon. - Fri. 8 - 6; Sat. 8 - 5; Sim. 9 - 5 o S Bloom Spring is Here and so are the Flowers! Assorted Hanging Baskets $ 12.99 each or 2/$20. Assorted Annuals Flowers and Vegetables 99* each or $9.99/Flat Low Back White Resin Patio Chair Reg. $7.99 Now $ 5.99 each 40,000 BTU Siesta Barbecue $ 139.99 Sale is in effect Wed. May 13 - Sat. May 23. Everyone is invited to shoo Co-op! DURHAM FARMERS. CO-OP Hwy. 115, Orono 983-9134 /CO-OP