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Waterloo Chronicle (Waterloo, On1868), 22 Dec 2004, p. 21

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An estate plan will also help you find ways of reducing taxes and expensâ€" es. For example, you might want to consider establishâ€" ing joint ownership with right of survivorship. If you have leverage plans. you should consider leverage insurance. Finally, arrange for the funeral in advance. as this will also save time and money in the end. Perhaps the most imporâ€" tant factor to consider once your estate plan is estabâ€" lished is keeping the plan current. If your situation changes. it should be reflected in your estate plan. If you have any quesâ€" tions concerning estate planning, please eâ€"mail me at mtownshend@bellnet.ca. I‘d be glad to assist you or at least refer you to someoane The repercussions of dying without a will can be quite severe, so make sure you cover this area accordâ€" ingly. who can How to start estate planning Continued from page 20 Another issue to considâ€" er is the designation of a power of attorney to handle your financial and healthâ€" care matters. to raise your children Grand River Transit and WLU plan pilot project Universal transit pass should iImprove ridership among students Mercedes Be_nz Dealer Authorized meticulous Restoration Original Paint Finishes Unsurpassed Collision Repair F NE AJTGMOBILE BODY AND PAINT ENE AUTO INC 15 Centennial Dr. Kitchener Specializing In BMW PORSCHE JAGUAR MhCh Mkhith 578â€"2052 If the project is approved by students in a referenâ€" dum, the UPASS program rand River Iransit Gmd Wiltrid Laurter University will be teaming up for a universal transit pass 1UPASSH pilot project. ©24,988‘° ©267 ~ For the latest information. visit us at emcanada core drop by your local Pontiac + Buick * GMC Denier or call us t 1â€"800â€"GMâ€"DRIVE NC purchase mecessary Con test opar ic etigible Canadian resedents who have reached the age if majonty in hert prevince of residence Contast closes January 3. 2005 Grand Prizes wik mat include HJMMER Carilac and nartain ather ceb les and may deoand an hrinds represantad hy "e dealershp wisited. Tinred prizes are hme imited and they. as well as other redit awards. can be appbert only io the on» hase ar leage of in stock 20(14 ar 2016 vehvcles rexchding 20042005 HUJMMEAL Mrimum awarnts cannat he appond to the purchase or ease ot thr forlowing vehicies. 200402005 GM Fassenger Yans Carge & Cof Away. 2004 2005 HLIMMEA 162. 2nnA2N0S SMT SAh Famiy 2 & 4 & Ti W Senes 2005 Corvette: Vohi ies must be dervered ty Janua'v 3. 2008 | Not al ptizes have the same tds of heing won. Most przes are Aistobited on a regiona! hasis See your OBA dealer or sint auew gmcanadia com or call 1 B0/1.SM DBIVE ty fut (ontest mias. "Aasedt on a 48 menth lnase & down payment o crade ot $3 90012006 (ap seran LCR\ i requrar. Annval <act af hormwing of t 99â€" es anram . Ophan to purchase at ease end is $10.484 pigs apple afe faves. Aneuallalomete hmd 26 NX kn §60"2 aer excess ilometce. Othersease ophing ava abie 199 porhase feancing on approved GMAL: > redit sely Ter~ up to 36 manths hir 56 Sedan HIB: "lown payment hase and > secunty depos? may he ragucted Mactrly paymant and cost af borrowing will vary depending ar amount horrowed and down paymanttrade E«ample : $10.000 al 9 ADE : the menthly payment is £277.78 m 16 manths. Sost af barrowing is $ Intal obligation s §17.96+0." @4 reight ($9Â¥1]: wcence ingurance reqistrahor . PPSA administratine ‘nes. and taxes anf included. Offers anpy as indicated to 2008 new ar demonstrated madels: "ieair order ar tadte may he cepured C )'%"s apply *o qualthied retai. custnmers m the Ontanc Pontiac * Busas * AMC. "inaler uamm Assocation area only ‘including Cotacaai® and errhiding Northwestrin Untancy Dealers arn frer to set ingraidua‘ prees. Limaad tme offe: which may not ba combe with ather nflers @SGratuate Program ofler subject to rules and is nat t e sised is .â€"mrm with §1.000 GM Smdent Bnons (Mfer Beg sternd trademart of Genera) Mators Corporation .733 f iona. Service Assnetation‘TD) Canada Trust and GM acensed user f marks ®Trade mark of The Toronta Nominan Rank will be initiated for a oneâ€" year period, after which it will be reviewed. The UPASS program requires all students to pay a fee that gives them unlimitâ€" ed access to transit for the entire semester at an affordâ€" able price. Student transit ridership is expected to increase, thereby reducing the need for vehicles and expanded parking facilities. ume NEASPAER BIG CJERGE WATERLOO CHRONICLE PURCHASE FINANCING wou & 3 Canada Tnist heensad user of mark Viea ‘ntema w0 PURCHASE ECESSARY To PLAY

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