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TAX TIN TIME Never too late for a personal financial plan Finances and money management are an integral part of our lives, yet few people take the time to properly plan and organize their financial future. ; - Preparing a financial plan is one way to ensure that your money works for you, especially when you retire and hope to maintain a lifestyle that is comparable to the one you enjoy while you are working. The excuse for avoiding making a financial plan are as varied as the people who give them. Most often, people don't like thinking about retiring while in their 20s. After a while, it is something that becomes low priority and people procrastinate about setting their future finances in order. : It is never too early or too late to create a financial plan for yourself, according to TPA Investment Planning. In fact, 'the Whitby fi ial pl an investment portfolio, according to fi 1 planni That is where TPA Investment experts, but it may not be gh. Simply investing in company says the worst thing you can do is "do nothing at all." If you do nothing, you have say the e oy a financial plan . involves making certain lifestyle "decisions. You have to consider where you want to be when you retire and the type of lifestyle you hope to have. Then, you tum to a RRSPs may not give you the type of lifestyle you are looking for and planning when you retire. TPA Investment Planning has a feam of professional financial planners who will guide you and show you investment opportunitiesand alternatives. One important step is to learn how a fi ial plan puts your professional who Fh 'show you how to go about meeting your goals and needs. RRSPs are certainly a good base for a financial plan, But, just because it is RRSP season, that doegn't mean this is the only option available to you. RRSPs are an absolute must to Dunkerley @Dr. Lionel McTague Robert Boyko, Orthodontist Complete Family Dental Care: @ Dentistry for Adults & Children money to work. for you. Books like the Wealthy Barber, the Money Coach or Financial Freedom Without Sacrifice can Planning can help, Once you have set your financial plan in motion, it is good procedure to check it at least once a year and review how it is working. Consider it a check up for your finances. properly maintained fii plan will keep you on track and will keep you headed in a direction where you can enjoy. the lifestyle close to the one you are enjoying while you are working. : Financial experts agree. The main obstacle to gaining financial security that is standing in people's way is give you an underst: of how a financial plan works. Next, it is important to plan your finances in a way that benefits you most. Setting your financial plan a certain way just because that is the way a friend has set his doesn't guaran teffyou It doesn't take much money to start an investment portfolio. Starting to invest in your early 20s could impact gresily on your lifestyle at 66. The important thing is to get started. Once you have set up your financial plan, it is important to maintain it properly. In that way, it keeps working for you. The key factors to financial security are to figure out where you want to be and the lifestyle you want to enjoy when you retire and don't delay in getting-started on the road to financial security. This is where a professional financial planner can help. Things to look for in a good ancial planner are what kinds of programs they offer and what seminars theyhold. TPA Investment Planning regularly brings in speakers like Gordon Pape and Brian Costello to conduct seminars on how to maximize your investment returns and let your money work for you. For more information on financial or to book an appointment with a TPA professional call 666-0896. Scruff Connors guest for Elaine A benefit concert for Elaine Lally is being held at the Town Hall this Friday evening, January 28, starting at 8pm. Scruff Connors, host of the Q Morning Zoo on Q-107. will be a special quest, along with music played by the popular local band, "The Modern Day Braves." Advance tickets, at $8.00 each can be purchased at Nirvana, Irwin Smith Music and Square Boy Pizza and at the door the® night of the concert. It's a night for all ages. For more information, call 985-3588. WINTER GOT YOU DOWN! Has the cold weather and snow kept you housebound? Why not visit us .... OPEN SATURDAYS and SUNDAYS - YEAR ROUND We offer a wide variety of goods and services, all under one roof in our 'warm, indoor market. Shop in comfort and visit our friendly vendors. We are located on Hwy. 7A between Port Perry.and Manchester. featuring ... w= FREE Parking w« FREE Admission {ili = FREE Balloons il and Play area for the kids with movies, Swings, colouring-and video = OPEN9to 5 lll SATURDAYS and SUNDAYS So why not take a short drive to Port Perry . Country Flea Market and enjoy our wide selection of merchandise and bargains galore. KEN & JEFF'S HARDYWARE ® Tools @ Plumbing Supplies @® Electrical Supplies @ Spray Paint - @ Duracell Batteries - LOTS MORE at UNBELIEVABLE PRICES! RARE TRI DON's SEAFOOD 1st Anniversary SPECIALS] BAY SCALLOPS $6.99 #1 Louisiana ne CATFISH ....... b. $5.95 Extra Large Jumbo P/D Black Tiger SHRIMP . 11/4 Ib. bag 4 and lots more! I Ld Ld bd I Ld Ld bd Ld Ld * b0.0.0.6.6. 6.0.6.6 4 HOUSEHOLD MARKETING Small Appliances sores HW IRONS FFEE MAKERS Wm FOOD. PROCESSORS Bm KETTLES Mm HAIR DRYERS Black & Decker Cuisinart - Pollenex Phillips - Conair