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For now, interest on investment loans is also tax deductible. If you've neglected your retirement planning. this maybe a suit- able option for you. In addition. a lower tax rate on dividend income from Canadian-based cor- porations is also helpful. Mar Mar Mar Mar For instance. non-regis- tered investments take advantage of a capital gains tax inclusion rate of 50 per cent. Feb Feb Feb Feb Feb Non-registered invest, ment plans can also help you reach your retirement goals by potentially mini- mizing taxes - this trans- lates into more money for your retirement fund. Jan. 6 - Jan 13 Jan 20 Jan, 27 Jan 27 Historically, equities have provided the best chances for growth in capi- tal when they are held for the long-term -- say. IO to 20 years. Again. you'll want to speak with your financial representative about equi- ties to ensure that they are suitable for you. Continued trom page 13 you to take. Planning Mile for retirement umur Achievmncnt of the IWuterlun Region will rev ugnwe its main, volunteers with a barbecue and awards presentation in Waterloo £11m skirting at 5:30 p.111. on ' pt. I. "We think our volunteers are the best in the region." said Tracy Van Kalsbeek. program manager for Junior Achievement of the Water- loo Region. "It's a small thing compared In the con- tribution our volunteers make. We like to put on a couple of events each year [0 say thank you and to let them know how much we appreciate their efforts. This organization could not exist. JA hosts volunteer barbecue 3 - Gerry Doucette IO - Flick Vogl l? - Gerry Curry 24 A Dorothy Cressman 10 17 24 24 CW Weslman - Garth Vooan - R Finch - Renate Engel - "Mary Ward Gary Anderson - Doug Hilts - Jack Curry - Joey Richardson - "Ray Lemieux 2005 CALENDAR LOTTERY 1imikiihkG7r"i JULY 28TN WAIEBLOO CHIPPERS Wnlh all the beoohful weather this summer, it's easy to put off those much needed exterior proieds. Get them done before summer comes to o close during our Incredibly Hot Summer Sole! to Hm I C Ibiy o Miri?. 115 th', rosAtt,tg,',l,eho,, Mgt..rua June 2 - Floyd Eng: May 5 - May 12 May 19 May 26 May 26 Apr Apr Apr Mar. 31 - Ken Muellinq Mar. 31 - "Andrew Paarren Mtist of us anticipate a comfortable and enjoyable retirement, Other ways of minimiz- ing taxes and thus increase ing your retirement fund is to make the most of tax credits. and to divide income and credits with your spouse to realize addi- tional tax savings. Your financial representative is a good source for tax-saving strategies. mere is no charge for the event - virtually all of the food and beverages are donated by local businesses - and volunteers are Festivities gel underway at 5:30 pm. at the west side picnic shelter. with kids' activities. socializing. and the music of Amplified Midlife Crisis. A variety of barbecued treats. along with salads and dessert. will be served at (i p-m, followed by a mid awards presentation at T p.m, The evening will wrap up by 8:30 pm, 14 21 28 28 1440 King Slr., in Rivemorks, SI. id, estéég let alune achieve the success we have, without the Count- less hours put in by our 500- plus volunteers." However, to achieve our Dave Gagne - Jamre Ernst - Duane Hennebey _ Kelly Lee - 'Ed "OHIO" Carol Durham - Jim Sandlak _ Jim Moisse - M, Heynan - 'chk Strype Ontano Lottery Licence M35437E July 7 - Kim Kualer July 14 - Crystal Scott July 21 - Bob St-Cyr July 28 - Jerome Futher July 28 - ‘Sophle Puller $50 Winners . $100 Winners June 9 - June 16 June 23 June 30 June 30 Michael Townshend is licensed by Manulife Securi- ties. Use some of these sug- gestions as a starting point. And don't forget to utilize your financial adviser. He or she is there to help you attain the retirement lifestyle you desire. after-work goals. we need to regularly review and esca- sionally revise our Fmanciat plan. In youth. Six programs encourage young people. from Grades 3 w 12. to achieve their highest Poten- tial and success as citizens of the community and par- ticipants in the global econ- only. As a mm-profit organiza- tion, JA is dedicated ttt pro- viding business education Junior Achievement of Waterloo Region Inc. has been offering community- based programs in the area since 1970, encouraged to bring their families and any friends who may be interested in getting involved as a CI vol- unmet Diane Grewar - chuck Lewis - Jack Gillespi - Stu Gordon - "Lorie Caddick Mcticutous Restoration Original Paint Finishes Unsurpassed Coision Repair FINE Aoro INC 15 Centennial Dr. Kitchen! Mercedes Benz Dealer Authorized MHEH -Flrer0M08c BODY AND PAINT PORSCHE JAGUAR MEI? Specializing In i78'2052 1l1mmlAeater'looohrortieleaa