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”OWN l'llllX)CHIONI(J£ 'Wednesdnyt [Member to. 20l2 Creating a recipe for financial success in the new year how your is a time for monthly budget that includes an plan for your children. A tax-shel- need for income protection and expenses. charitable donations and Arenewul a the time when amount for saving and investing tered, compound-growth Regis- estate planning changes. Be sure safety depositboxchargea many peopk- look into their 2. (Let your debt under control tered Education Savings Plan your coveragekeepepace. 9. Develop a financial plan and past and future and resolve to and keep it there. Develop good (RESP) eligible investment is great 7. Make tax-efficient investment stick to it. A consolidated financial matu- changes for the better. spending habits and use debt wise- way to cover education costs and decisions Certain investments are plan â€" and the common sense and your overan quality of me is ly. Always pay off credit cards and giveyourkidsahead start on life. more tax-efficient than others. Take discipline to stick to it â€"plus the din-(fly n-laled to the overall qua“. other high-cost. non-tax deductible 5. Be a prudent money manager. advantage of the Tax-Free Savings help of a professional advisor will ry of your finances. so getting your debt first. Carefully consider each dollar Plan (TFSA) eligible investments, keep you on track to achieving your financial mo in order should be 3. Maximize RRSP contribu- before it's gone. Start with a careful which allowsinvestment income to dreams near the top of your “gr Here are lions. Investing in RESP-eligible and critical assessment of your life growand beeventually received on ... some essential financial planning investments is the best taxvshel- goals and your income and set atax-free basis Thiscolumn isprovidedby “l” to make that resolution a reali- tered savings builder for most aside enough on a regular basis to 8. Minimize your taxem'ake McEZtchnie Group Pn'uateWealth ty in 2011 Canadians. Strive to make maxi- achieve those goals advantage of all the tax ded 'ons Management. Contact Russ 1_ Set a budget and stick to it. mum contributions for bigger 6‘ Check and revise your insur- and tax credits available to you McEachm'e, CFRCPCA. CDFAat Take a ”1mm look at your income potential investment gmwth. ance coverage to match changing including moving expenses. child- 519â€"886-2360 ext. 2,“ or go to and expenses and set a realistic 4. Develop an education savings needs. As your life changes your care expense. tuition fees, medical wwwnmrriwachniacom â€"â€"â€"__â€"___________â€"_________â€"_â€"___________ on v “5"“ t- ‘5’ v ' a o g . ._ . o , . . _ . . , . 0' is ‘I - o 0 . ,3: ~. in» _ ‘ , Dancing into Canadian hearts for 4, _ " - . - "1' :1? ‘ .1. a. a H, 1: ' 35;“ ‘ ‘ ’ f 5‘“ . ~ ' . ' a s ' ”it: -*»;m. ' ‘I‘fi'gi‘ 3332‘ . "We . . ' I " L. “"1 if”: ‘ g, A. V . Cert v ‘ . - ~| . . a, M ,1 . . v . N \ k "buffing?“ .' . . “ . .. at ’. . fl ’ ' a g. , I a A ' - ‘: ' .32.. 333} ~5 - 4 ,i , Q " ‘ . ii ,:».;ng 3. .> 3331"" ‘. . ‘ , ' ' ' a .. 0 v o . . ”New r . ' ., 3:291:53; \ - “we . a a , 5 a i .3 ¢ ' E . ‘ u I I .3 i ' Viki-5.15,, . a - a “or! t __ -. 1-3;,“ f. 5 *- -. I . y. 't:’§}$é£71 I .r- v: ‘7; G O r me"; A - fa & .4! . . ' it v ‘ . 5 \‘ W ' " ' y \ 4 , ' ‘E/‘W ‘ l I ‘ “on“ 1'. 1.... . --~-~-.-~-~-.~.... ..,...,.....,.,V.,.._.,.. t .. ,_ , . . . .