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. . mean-7'" REGISTERED RETIREMENT SAVINGS PLANS By Gary W. Beckman, B.A. A previous column, "A Look From the Future", outlined some of the long-term RRSP considerations that an investor should consider. This article will cover some current RRSP matters. On December 11, 1989, the Federal Government tabled legislation with respect to pension re form , including important amendments to registered retirement savings plans. As of this writing will be 18% (February 19, 1990) not much has been heard Of this maximums as follows: legislation despite a first of 1991 _ $11,500 March 1990 deadline for late 1992 _ $12,500 contributions for the 1989 1993 _ $13,500 calendar year. 1994 â€" $14,500 For 1989 RRSP contributions, 1995 _ $15,500 you have until 01 March 1990 (Z) year's earned income MARCH 1990 NORTH LEEDS LANTERN 3 and Canada Pension Plan payments can be placed in an RRSP and be free of tax. However, from 1989 to 1994, up to $6,000 of DPSP or RPP income can be placed in a separate spousal RRSP. Keep tuned to the media for late developments regarding pension reform. Remember, your Financial Advisor is monitoring. Moreover, a Financial Advisor should have ready access to and, if desireable, be able to refer you to professionals who of the previous specialize in delicate matters to of taxation. Here is my four-point RRSP strategy: to be actioned early each year: (1) start contributing as soon as possible in your working career; Those who are members (2) make the contributions; to make contributions. Income of DPSPs or RPPs will have (3) contribute early in the earners who do not have pension the plans can contribute up to 20% of their earned imcome to a maximum of $7,500. adjustment, or pA. same contribution limits which will be reduced by an (4) . contribute to your pension max1mum limit. The PA You have the basic RRSP amount termed the taxation year; Those who belong to either will be supplied by your guidelines. You have an annual a Deferred Profit Sharing Plan (DPSP) or a Registered Pension Plan (RPP) can contribute 2.0 % of earned income to a maximum of $3,500 less any individual contributions to the RPP. (3) The proposed legislation has employer and will much room, if additional contributions. . . . Starting in 1991 an income (Garry Beckman IS a F1nanc1al earner will be permitted basically RRSP strategy. Now is the be the total of employee and time to make. an appointment employer contributions in Wlth your Fmanclal AdVISor the previous year. Don‘t expect for RRSP Planning and aCtion- any, for For your future benefit, do it now. to Advisor with Midland Capital the following provisions that delay RRSP contributions Corporation, Ottawa branch, you should note: (1) In 1991, RRSP contribution and to carry forward unused portions up to seven years. toll-free at 1â€"800-267-9345. He serves residents of the limits for those who are not (4) 1989 will be the last year Rideau Lakes.) members of DPSPs or RPPs MARCH . ._ , TH""’V'VI Ezeenpto {non a talk given by, Pa. Louie Laplante, Chaim-tan 05 «the National "adieu hdvllony Boand, at the 1989 Annual Geneael Meeting held at Tononto. I Theguney Foundation o5 Canada, eelebnated lto' 25th hnniuenoany in 1989. valuing this acuity-give. yeau, thene meme deuenal (ieldo o5 kidney-heated nueanch whene sanding by The: Kidney Foundation as Canada wao inetnumerxal in najon bneah-thhoughb. . Hiehopenfuoion and Menopanetune otadleo'in kidney {motion evaluations; The kidney negulatoay hole in halt and waten. netaholiom; The undenotanding 05 the nejeotion phenomenon; The evaluation o5 the pneoent mica dang in thanoplantatéon- Cucloeooain; ‘ New knowledge in huedbtany dieeaoeo ouch a4 diaLetu ' 5' ' “4 "W‘l polycyaua dioeaoe; “* ”W!“ Knhowledge o‘ hypenteneion in childnen. He (beat heal attitudes wene utabliohed with Kidney Foundation monieo; The (funding o5 negiotnieo that ane imam toolo in dtudying eeoubte o‘ tantrum: and population chaaacteniotieo. lfea, the Kidney Foundation 05 Canada has in the paot 25 yuu, mveoted in-a moat wonthwhile aeoeanch paognam." In Leed‘ Coanty, the Maneh Campaign 05 The Kidney Foundation o5 Canada, .hae geown (noon a one-pouch endeavoun in 1934, to a pnogham U! 1989 05 ten Team Captain; and duty-one Canvauent. The dollau collected too, have gaown («on $170.00 to $5,963.00 Thue. dollau have been need to punchaoe age-saving machined, and to {and nedeaeeh. with you .(buneial eupponl, «initiate have heauzed a long-sought dheam. They have eon‘lnmul the canoe, AND {ound an cueetlve theatment, {on the. type. a; anaemia Auggued by patients on dialysis. Thene will be oevenal Special Everett in can anea daning the month. including a Dance on uaheh Sad at the. Gananoque Legion Hall; and - f n on Maheh 5th,- D4.To“eaibze will be. the guut weaken at the Lion; \3‘9‘ Club; on Ranch 13th, at the. Legion Hull .01 Ueetpont, thene maul be. a gaeot opeahen. Pleade watch {on {when evento. gzyofi‘nldohlng tolhelp canvae, pleaee phone Mu. Edna ”and; at 1‘ you one not home when the canvauen eallo, you may mail you. doantlon to: The Kidney Foundation of Canada, 100 Stunt Staeet, Kingston, K7L 2%. The cheque. ohould be. payable to: The Kidney Foundation o5 Canada. Thou a; at who one patient: on meow do thief/L that: all {on you intenut and auppont. ' ely you flu. Edna Mauls, Co-Ondinatoh Leah County. in which Old Age Security A ‘ 1m ounvonmom TODAV w A DREAM COME TRUE Ehd Stage Renal vleeaee Le associated with anaemla. Thu (act, oval well necognized began the daye o‘ Dialyoia Anaemia continued to be a union «ounce o a 1:: tom Dialyalo patients, even when all atheh (agtozep aae. gill contholled. The Hemoglobin 05 a neural pendon in Ln the, nange 05 12-”, wheneae, the avenage Hemoglobin {on Dialyoil pollen“ £6 llu than IO. And {hue ate many~‘dla dialyéle patients who noutinely Live. with a Hemoglobin hange o5 5 - 7. The dam 0‘ many people In the dial. . [old gleld had been to (and the. caude, and an mauve meat/um: (on thin type 05 anaemia, to allow patients with nenal (auntie to (auction none nominally. It had become clean that the. majon cause o5 thie anaemia, lo a deficiency o5 Euhynapoletin Ealhyaopoletln - nicknamed EPO - lo a natunal honmo ne lo peodueed by the nonmal hLdney to tell the body's Hotlink Hannow how much blood to make. It the kidney it not wanking not enough EPO 1.4 made and the body's Bone Mauow doeo not know that it it not pnoduun enou h blood t nonmal Hemoglobin. 9 g o maintain a with extenolve eclentlgie upenbnentation uu‘n outta Lngbtlenblg technique, EPo hao now been oynthzogzed anufiieially. FM. many yeau we ouopecled that the. anaemia ace ' . . ociated thh aenal {aniline wae cauoed by the. deficiency 05 Eelhyaopaietin. Now that EPO lo aualele we. have. paoved that Mia lheoay lo connect. The quality 05 cane that we. can paovide to bid patiento, hao leached a new milestone. my A long~oought dneam hao come tnue .’ - By Da.E.8.To“dmi/Le n.9,, 0.14., F.R.C.P. (c) KNOW THE 31X SIGNS OF KIDNEY DISEASE: â€" Banning, on diggiculty duaing uninwuon. - Mane {nequent qu'nation, paaueulaaly at night. ~ Pufiineoo anound the eyes, owelung o hando and 6e01, upecially in chidlaen. 5 Paooage 05 bloody-appealing unine. Pain in email 05 back juot below the nibo, not. aggaauated by movement. Hypentenoion. THE KIDNEY FOUNDATION OF CANADA 100 STUART STREET, KINGSTON, ONTARIO K7L 2V6 H311. to Fri. ‘ 1.00 - 4.00 542-2121