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Royal Bank pledges cash to hospital nvestment decisions are often a series of separate decisions. However, your overall success is based on a sum of all of these separate decisions. The Royal Bank donates one per cent of preâ€"tax profits to charitable causes. Last year, the program resulted in $14â€"million worth of donations. Making sound decisions with investments OTMH is looking to raise $10â€" million for medical and diagnostic equipment for the expanded facility. Approximately $6.5â€" million was raised in 1985 with the remaining $3.5â€"million to be raised in the current ‘New Equipment Campaign‘. We will assume that you have decided to purchase a specific investment. In most cases, you would think that the case would be closed. However# other decisions must be made. "° Should this investment be held as a nonâ€"registered investment or should it be purchased within a RRSP? RRSP contributions provide a tax deduction that can lower the amount of taxes that you pay. 7 The Royal Bank has made a fiveâ€"year donation of $45,000 towards new equipment for the expansion and renovation of Oakville Trafalgar Memorial Hospital. o "Royal Bank is pleased to support OTMH with this donation," said Royal Bank area manager Colin Ballance. "It gives the bank the opportunity to invest in the community in a tangible 39 way. Also, investments held within a RRSP can grow tax free while they are held within the RRSP. Tax planning is an important issue and this option should be considered carefully. If the decision is to invest within the RRSP, then you should also consider if it is beneficial to invest within a spousal plan. The contributor will receive the tax deduction, but the actual investment will be owned by the spouse. The deterring factor here is to (See ‘Many‘ page 24) Gabriella Pennacchiettiâ€"Serpan who owned and managed a local beauty salon for 22 years, is now marketing her own special line of cosmetic pigments under the label "Gabi, The Permanent Makeâ€"up". Hers is the first Canadian company to manufacture pigment for the aesthetics industry. The line includes a total of 24 colorâ€"coded pigments which means they have been grouped according to skintoneâ€"winter, spring, summer and fall. f you‘re the type of woman who would never dream of stepping out of the house without applying makeâ€"up, or if you long to be able to swim and exercise without washing away "your beauty", you may be a candidate for 8 the latest trend in aestheticsâ€"permanent makeâ€"up. Although permanent makeâ€"up is not a new idea â€"it has been a fact of life in California for yearsâ€"it is now being offered by an Oakville beautician who has developed her own line of colorâ€"coded cosmetic pigments. It took a year and many frustrating experiences before Gabriella was able to establish her new business. When she initially set out to learn more about color pigmentation she found there were a lot of unscrupulous companies who were willing to charge top dollar in Woman at forefront of trend to permanent makeâ€"up "Some people just want to wake up in the morning looking good", she admits, "but the aesthetian has to know what she‘s doing, because the face begins to sag with age, and that has to be taken into account, as well as things like the client‘s skin color". Gabriella stresses that permanent makeâ€"up is a very clinical procedure which requires proper training, and must be done by reputable people. In essence, permanent makeâ€"up is a form of tattooing, although it does not go as deeply into the skin. The procedure can be used to create the effect of permanent eyeliner or lipstick, or to do such things as eyebrow shaping. Gabriella explains that the techniques are being used very successfully by plastic surgeons to help burn victims or cancer patients who have lost facial hair such as eyebrows. return for very little instruction. Her frustrations convinced her to create her own company where she could teach aesthetians the proper techniques for achieving permanent makeâ€"up, and also offer~ quality pigments at reasonable prices. Gabriella plans to have her own clinic up and running this month where she will offer classes on the various techniques (See ‘Products‘ page 24)