" 'MMI 90 tabs Low mice! 8 I H 1' Hum†, 1(Jtl _ 's. [DURING if rt' Alun Al) ' V" Cal) AL ax (519)578-6220 ’( for the hassle free ' Ml-lt-lego/Ill ROYAL LEPAGE RoratLM'attsfuatEs8assaris0t W GOTCHA... wwwamatptektom/calialf for the hassle free I-IMI" approach to buying AL LACHAMBRE of sellmg real estate Sales Representattve SWISS ODORLESS TRIPLE STRENGTH mGARLIC Jacqueline A. Papke, RR.P. Financial Strategist, Branch Manager e-mail: jpapke@rcgal99.com Branch Office: 153 Union Street East Waterloo, ON NN 1C4 Tel. (519) 578-7722 Fax (519) 578-7277 l-800-8l8-2079 .-KEGAL CAPITAL GROUP-i Res. (519) 747-l019 Cell (5l9) 574-2405 ADULTS 50+ ONE-A-DAY ADVANCE 4.99 4.99 JAMIESON VITAMIN C 500 mg Chewable 90 caps 90 tabs Education Savings for Grandchildren A Legacy Of Learning If I really love my grandchild, I will do which of the following: (a) buy her more toys (b) take her to Disney World (c) give her a legacy of learning by establishing an education fund If you answered (c) please read on. How can grandparents utilize RESPs to ensure that their grandchildren will have access to good post-secondary education? l. RESP stand for Registered Education Savings Plan. This is the government-approved tax shelter for education savings. 2. RESPs now receive the Canada Education Savings Grant (CESG). With this grant the government will add 20% to contributions made by parents or grandparents' (to a maxi- mum grant of $400 per year per child). 3. RESPs are now totally flexible and can be transferred from one child to another (or even to the parents or grandparents). 4. Tax-sheltered funds not used for education can now be transferred to the parents' RRSP'. 5. Tax-sheltered funds are paid to the student when in attendance at a post-secondary insti- tution. This means that little or no tax will be paid since students have only a part-time income and offsetting deductions for education costs. Skyrocketing costs are putting education beyond the reach of families who do not plan ahead. A savings plan started to-day will make a difference that will last your grandchild a lifetime For further information about RESPs contact Alex Mewhinney at 88443906. 'Subject to Revenue Canada Guidelines It is your ultimate responsibility for your health to absorb simple guid- ance on how to live in harmony with nature. Applying energetic interventions and prevention can reestablish the extraordinary heritage of healing naturally. Come to Zehrs Conestoga Mall and see the zehrs iiiiir'ktrs HERBEL SELECT GLUCOSAMINE SULPHATE BUY 1 GET 1 FREE many varieties of natural health, healing & foods. 746-0125 ext 123 Conestoga Mall Location Only Evevvdav I UU [Cu 7 tow mice! s I 'MNtai 1 ss an; I /LITRE I e! V d W Low Price! I PRESlDENT'S CHOICE FAST TRACK MEAL REPLACEMENT BAR EXACT SENIOR FORMULA MULTIPLE VITAMIN full of vitamins and minerals RESIDENTS CHOICE soy BEVERAGE SCHOLARSHIP CONSULTANTS OF NORTH AMERICA LTD. Exclumc lhstnNgor of USC Educalmn Saving: Plans Alex Mewhinney Almeyofleamlng Enrolment Representative Education Savings 886-2830 (519) 884-0906 100 tab