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wnmwoum-wnmy. September 4,2013 - l7 Plan now to pay yourself in your retirement years ‘ etirement is coming at you Plan/Quebec Pension Plan -Estimate your retirement effectively, using a Tax-Free Sav- R faster than you expected â€" (CPP/QPP) that provides about 25 spending for essentials that aren't ings Account and taking advan- but that's OK because you per cent of your average annual easily reduced and discretionary tage of the taxâ€"sheltering benefits ammoseyeafstobefulfifljng eamingsduringyourmrkinglife expensesthatyoucanmntml. ofymuRRSPbymakingyourmax- ‘ brimming with new experiences up to certain limits imum contribution up to the end - and activities They are indexed annually for ~Aasess your investment strate- ofthe yearyou turn 71. And you will enjoy the Run. inflation and are taxable glee (bnsidera conservative strat- mem lifestyle you've dreamed egy for essential expenses and a You can build a retirement about ifyou plan now to be sure 0 Old Age Security (OAS) belie more growth~oriented strategy for income that fits your lifestyle you'll have the financial lemmas fits usually begin between age 65 investments to support your dis- dreams and will last for all your you'll need for all your retirement and 67. Benefits are taxable, credonary spending. retirement years when you have yum indexed for inflation. and "dawed the right plan â€" and that should And that could be for a lot of back' in increasing amounts as .Manage your withdrawals start with seeking advice and years. According to Statistics yourindividual net incomedimbs from retiremem saving Establish counsel from a professional advi- Canada, life expectancy for sen- above athresliold amount. awithdrawal ratedntmatchas the sor who has the expertise to keep iorshasbeenonanupwarduend size of, and expected return on. youontherightfinarxrialtrackfor am the last 15 years 0 Your company pension plan â€" RUSS your retirement savings over the your lifetime. The foundation of your mum» possibly a defined benefit (DB) WIN!!! number of years you plan to make ment plan is your retirement plan that guarantees a specific . withdrawals , income â€" so you need to know pension for your liktimc or per- tered Investments. 4 ’ where it will come from and how haw Wish 3 w coon-lbw .Tax plan efficient); Consider "° much itwillbe. tion (DC) plan thatldoesn‘t guar~ To be sure your retirement tax«reduction strategies like newlumnuprwidadbyucfachnie Check um sources: antee the amount ‘ your future immune will last a lifetime: income-splitting. sharing WWW». Hungarian. , benefits. .' CPP/QPP benefits dampen Manama. creeper . The federal government 0Know the retirement lifestyle ner, limiting fully taxable RRlF CDFAm51&886-23w,m.241 organ; offers; The Canada Pension °Your registered lid non-regs youwant withdrawals, allocating assets Wiewm Federal Revenue Mmrs' ' ter participates in roundtable at Communitech Minister of National Revenue Communitech Hub to highlight createjobsandeconomicgrowth. eligible apprentbe. providing relief from the employ- Kerry-Lynne D. Findlay was in the important tax reliefand other They include the Apprentice The federal government also er's share of employment insure town last week and joined by measures available to Canadian ship lob Creation Tax Credit. It introduced the Hiring Credit for anoe. Waterloo MP Peter Braid for a smallbusinesss. provides businesses a maximum Small Business in 2011. Theaedit For more information on the roundtable discussion with high- The said thue incentives help credit of $2.000 per year for the stimulates new employment and Hiring Credit for Small Business, tech industry business owners at 5mm mm across Carlada to first two year term ofhire for each supports small businesses, while go to www.cragcca/hiringcredit. Walkman marmosets! K-W SEWING MACHINES GROBE’S V" "' ’3' ' We ant Your -. t , .-.. , .- NOWAVAILABLE! ac "a! We BRIDAL SHOW «we-â€" 2;; 4... 499 ha ’ ; a“: --«~â€"--â€" -~ ~ _ a. r... ’ at. , l , u... ‘ m n I “(is m-Hi: it“ a. , ., a ‘ - .- ‘ ' h "' ' J) M“ l K-W SEWING MACHINES , .‘.'H “i V‘M') ‘ T i. ' r‘ t»?lYfrl1Vilenll'i i ~ , r I i ‘ CELEBRATING OUR SIXTH YEAR AT OUR NEW [OCATION " “ “‘ MW” - HOURS or OPERAYION , if; a, if: I" " thfiyth-w -‘"‘ - " VJ‘v‘./\‘r'.lI(ll|’ll‘.(lll)litlt’ll‘.!!r1 ¢/.<()iii f0 ‘3 c Mbm’kw . I ' om Mae’k - 5;” ‘ "‘13:?" an." % m Fog .( 35,“,1’ - H~.._-.......~....my...................._.....M “x, . <' “gnu ~ 1' ' a- FREDERICK 57 MALL . KVYCHENER . SW new} (3981 JANOME