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mam! " . WAI ERIJJO cummcu . LET IT WORK FOR YOU WAmt"iimh-iii'kiaii M 9-886-2830 Wednesday. November all Mrs 1'2t,'a'g on a 66 T 134 lot with gar- age/burn, 3 ' l bedrooms, new minim “Donny; furnace and hot water tank, steel ynrel,minutes from Kitchener Pttte to Sue- iuVaG iaLTiiiiv. Century II “Home ue, 8m. BIO-ll Mm y “my" st, ammo The lpsos Reid study, comprising a survey of 900 small-business owners and a separate Running a small business is harder and more time consuming than expected, but according to the results of a study issued recently, most small-business owners enjoy their work and have earned the respect of Canadians, savings. These will be taxed at a rate that depends on the source of the income, But even here, you can benefit from tax deferrals by: . Buyingand holding investments -- taxes on capital gains are not usually paid until the gains are realized, so you can defer or even reduce taxes by choosing to sell these invest - ments when your marginal rate is lower. . Investing in tax-advantaged mutual funds - this type ofstructureaitows you to accumulate and move assets freely among the Continued from page 20 Small my Sun-inn ,wise investing important for future plans T - v we" -....... ... “nu-mm. CIIgIUIC rusu'it"rtcetu4tnietwinvesto, -business owners enjoy work and are respected: small business is: hardnr mm mm “r- um " t, a .. __ 7 _- -w... "w. 2300 aq ft Jim thor [mug spoon. Main 0oor tU1ite mom with Errol-u and than shders to lug? Trex deck High efficiency gun furnace, Hanna T,'r',',t2t and bull! m apphanm 3th an farmla MU; l St ”an. m an; it mam "our 1mm ma: ROM: M Ck, M be. ”In. “94624055 _-. The study found that 42 per cent of small- business owners surveyed work more than 53 hours per week in their businesses. In addi, tion, 44 per cent say they are putting in more poll of 1,842 adult Canadians, was conducted on behalf of HP Canada and the results reviewed by the Canadian Federation of Inde- pendent Business (CFIB). Strategies that allow you to split income by having money earned by a family member in it higher tax bracket taxed in the hands of a lower-earning family member include: con- tributing to a spousal RRSP; making a loan to u lower-earning spouse for investment purposes, transferring assets or money to a Child: or establishing a “ashamed 'f.t,Slg,', Savings Pian (RESP) for each child. Ititi tion, eligible share classes of these types of mutual funds while deferring capital gains. Split income to avoid taxes 2tlr, {ME}; fjji5,,i,iiii, as. 67 m ple- nped lot Dnubo vi tandem slang» and slam: to in")! thalted bin tttettt, Oak kitchen " to hunil mum and mum office bola J'tdl','e, 'IL".' in be- fbre Christmas! MU? 0741891 WWWWW But their efforts are not going unnoticed, The study reported almost all Canadians (97 per cent) view entrepreneurs as highly moti- vated, 93 per cent say they are innovative. 92 per cent believe them to be reliable and 96 per cent say they perform quality work. effort than they expected when they first start ed out. This column. written and published by [masters Group Financial Services Inc, presents general information oulyund is not a solicittr tion to buy or sell any ituestrnents. Contact Russ A frtach rtiefor specific all: it? about your cir, L‘umstanrex at 51 9 8862360. ext. 24 I or enmil russell. mceuchrtieeitusestorsgroupxoru. lux-wise investing should be an Important part ofyour overall financial plan and invest» mom program, pension income can now be split between spouses for taxation purposes Remember to ai,i?iri.i:',i',: check your ', g; chimney _il).!i,.ti I regularly for signs of E} corrosmn or " " 'i. i , I deterioration.\ "j ' I It Have all / iAll chimneys g cleaned and 'f, 'f inspected .g . at least once J. y.. iRi, a Year-MM». ' study