I 7 7 7 7 7 7 777 77 l ; u-wnenwo cumulus-MMâ€, April as, zen ‘ f M( ; I ( www.kw-glc.com “ ; - Rate of the Week“ ' ; Gefmteed'mmmcmifw Use your tax refund w1sely ; come . . . . agar-GIG mmmmarm â€" or ehmrnate It : a..." a... was â€mum , y . WoMAtaxrefundâ€"spendorsave‘llt'sgreattogeta estofalong-termimprove- f, later.) So. Mm are you going to do with it? You could picture, ere are a ew " â€" . v‘ ‘ ; 279web°r8t N"wm°°.519‘7‘7.8123 spenditbuttherxitwouldjustbe...pne.lntheinter- altemativetaxrefundusesto \]()\|\ ‘ m ,. i ‘ ‘ H Y U n D g l l : RRSPlt a? l f c ‘3 DOUBLE . Willi? metastasis l . U I k ï¬g; ' if you'll get the beneï¬t of ’ , » I SAV'NGS 0 . “d m l gggiggr} nearly an extra year of “3 I . 0 A f , m: . ll, 2 g; 1 potential long-term tax- 0“ , L x, ; ~ i f?! in i deferred growth and a tax I ' ' ' ‘ a. £415 3!‘ is deduction against next RUSS [ " year's taxes & giggiglv ! McEACHNIE ‘ f ( ‘lgli‘ai ll; new? I I r ' 55-5 Youare tosaveuptoSSDOanearina’lhxâ€" ’ sin/(m «Ti-"33 whmï¬mzé- gigliï¬lgii Free Savings Account (TFSA). Your contributions are r if i is, a not taxsdeductible but you will not be taxed on a cent ACCENT LSPORT BUR ELANTRA TOURING is §§_"Eli ofthe inmtmentinoomegenemtedbyyour’l‘l-‘SAand _c~â€""â€â€™>~gâ€"â€"â€"â€"â€"â€"â€"â€"â€"â€"â€"â€" â€"â€"â€"â€"â€"â€"â€"â€"â€"-â€"â€"â€"â€" a?!» ’ a, you can re-contribute any of your tax-free with- a = 33 a; 5 dmwalsinafuture WM 1 giilgggégl year. \M“E , d â€7 » a if ltrvutlt â€$3.2“: " ‘ ’ â€" ligég’gr‘sii if your RRSP and TFSA are topped up. consider WW 7 A“ ' 3 3 g adding to your non-registered investments. it's a w“ -â€"-â€" â€" "â€" giggiï¬ jg; sound strategy to hold stocks and equity mutual funds 51:5.mmimm is 8 outside an RRSP or TFSA because these types 0 saw-mm Pd 1 § f s mm t % Mn ' % {gig-{i'ggj investments are taxed at a $353- favorable capital MM 0 wNmennm 391 MM 0 “SNOW F 3 g;- g gains inclusion rate and Cana investments qualify . git , for the drvtdend tax creer avsqumvum was. will ganï¬gs nwrmvmum mmrmu wnggs ii? £13.32; Mime Damn Elï¬m mums mum] new. “a g" l lmfmm It 3,53 253?! Set up Registered Education Saving Plans (RESPs) (1 (/ til? 1,530 to fund future education costs for your kids. RESP "w w New Sï¬ï¬‚“?ï¬â€œÂ£$“?“°i‘“8i§£§im SONATA 20K] BEST-SELLING MiG-SEE N MACS BEST NEW SUV/00V ï¬g? if} SavingseérantflCEsg ï¬llugytoogo per cent lOl‘l'zayttlilourl" mom SEDAN m may» TUCSO UNDER $35K was! “if comma-m 7.7 as , 3â€" 1 iii? 55? p... a “new. it“? u. , ~ y ownoosy t etw1 mterestrates at ; ~ " E has iii can range from 15 to 29 per cent and then pay down - Fig? rigâ€"3 non-deductible debt such as your mortgage â€" a sin- giirg 5 £1 gle prepayment can chop months or even years off 7 â€" § your repayment schedule and potentially save hun- mm "a! jam ' 1mm,†9551535?“ dreds or thousands of dollars in interest payments awn own “if $134' w!“ 0% «Mount-man $141 mm 0% Macaw-man 'g§§§§§§§§§ Parkit mam m m I "7“ Got a large refund? Why not park some cash in a smut-WW fan-Micm- mmg‘mim “mmmf mm“ A . it “if! short~term investment that you can access without buns mus 1. ‘ ' w ‘ 7 ll be?) ' . , . , if g... .. ., if if it penalty. You“ have a ready source ofcash for a rainy WM/ ‘. SANTAFE (a £39535“? “gm".‘atzswmmemaw x Q5): awn . . 3“ 155 us you c . s u a s a .’ , wai- = 1mmKMâ€"3MPS' lag?“ _ rainy day fund.) , :£ ‘ '~ -~ 2010 BEST-SELLING IMPORT suv w CANADA†gig??? E" | n if: 5 J, 5 ~- ' ‘ '~ in 5: 0M"? no i535: {it Here's why getting a tax refund isn‘t the greatest: l . . ~ »- s % no r r? 335 £535; That refund cheque is not a giï¬ from the government. . A x ‘ 2:11 l' 7 7 vane “Tm - l; a gag; it’s morgyfuglverpaid durt'irgfteyearandarenow 3 o f. a - _, ‘ ’ A in getting wr ou in em. more moneyin ur , A. t r"! . _ i _ . - l." mm ‘ff- 3 gig-$534 pocket (each pay period by applying to lower £ur - ~ ‘ withhol ing test. using File Form T1213. available from llgéflilglg your local Canada Revenue Agency (CRA) ofï¬ce or ll 2: g 5 from the CRAWebsite www.cra~amgcoa. 1 x ‘ ’ l {33 9g! A tax refund is great â€" a comprehensive tax-reduc- igiéi gt! i. in; life-goal-achieving ï¬nancial plan is much better. H HYU n DP“ i§"llii it Yourprofessional advisorean help make ttallworkfor A 4 a- » you. m 3354-51; 1 a w s 3 gigs?! This mlmsaipvmd'eldeyMcEachnk Group man A awn-noes i ' ’ "w FWL m am% am lrrzliz'di Conwaflwmflwhflwcmmcm 44 Alpine an. an Dovenport no. we: Eagle 91. N, iiâ€- 1†0151988542502“ 241 or Kitchener,519~7424400 Waterloo, 5194864625 Combridoo,519-G§0â€"50m Hill §§ ‘ an MMkOmtm-mwpoom www.alpinehvundai,ca www.achluatorhvundatco www.cambridgehvundai.co "l 777,777,777,,7,7 ,7 7,7 77 7 7 77â€"AJ