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Dtcembcru. 2015 I ~‘-“ NOW HIRING “ ‘ ‘ l :: P - : I Az Drivers & Owner Operators for Know your sources of income . . . . l ' TIM .t'.\'l’l'lr r New Terminal in Cambridge 11 o o .- - '- 51 9-658-6888 W en assessmg retirement E 50 GROH AVE, CAMBRIDGE "it on“, “an,” ab..." withdrawal plan should also ’ your retirement for . allow you to take full advan- f _____.________________ years â€" and now it's use of a" the tax benefits l ' time to make those dreams 1. l q l. \‘ <1 ‘, available to you. such as the L real. age and pension income ‘ But do you know what credits. while avoiding OAS Reglon Of waterloo your monthly retirement clawbacks. t I I income will he. and how ‘ Other tax strategies can l ’ much you can comfortably include splitting income with u I c o I c e spend each month? your spouse. investing in tax» To help you tmly live your advantaged mutual funds. l retirement dreams, here are , , making minimum with~ : â€" a few essential steps to a sus- I J drawals from investments ’ ' ° tainable retirement income. ’ held within Registered l Notice of Intention to Pass a Fees and Charges By-Law mum“ income Funds and other i . . . teammate-lie RUSS fully taxable investments. . The-Region of Waterloo intends to pass a By-law to Establish Fees anttClnrges which includes , Government bend-“l MCMCHNIE and screams non.|-egistered i new less and charges. as well as amendments and/or removal or existing tees ma charges indudmg; Old Age security inmnts that otter prefer- Some otflwangesmdudedtnmeby-lawaetauarisnlansnanspmafionsemces. airport (OAS), which would be fmnal tax treatment. such as passengers and tenants. cultural sttes. Sunnyside Home programs and amenities, child care, “clawed back” in increasing your retirementyears investments that are Tart; and paramedic services amounts if your personal net “all!” “90 Savmgs Accounts eligi- , income exceeds a stated Mtpcydnd bl?- : The n law Will be consadered at the Special tonal Council Meeti scheduled tor threshold: the Canada Pen- ' Identify your continuing “WWW y Reg no sion Plan/Quebec Pension costs and expenses in two Mimi!“ MM,” 13,2msat1m pm. Plan lCPP/QPP), which is streams â€"â€" essential spend _ w ' w ”1”de intended to provide about 25 ing that can't be reduced ‘ ° hxplore strategies for WM M M m per cent of your average and discretionary spending increasing your income by ' ' a" I 5 annual employment earn- that can be managed. Take talking 1° VOW professional 150 mu SM Kim ings; and the Guaranteed into account the effects of 313150" That “day? you WI" ht“ » Annual Income Supplement inflation. and the fact that a C to SP0“ your WNW" A copy oi the proposed tees and charges Will be availaole tor renew after Tuesday, December m,” which is a ”who? you“ likely need an income mm, “we, in 5mm“, mm, 29. 2015 in the CounCil and Administrative Sconces Office, Region of Waterloo. 2nd Floor. 150 “Hmmenwmdt pay-mm, f", 20 mm”, mm tort and'wilh the confidence Frederick Street. Kitchener ll you have Questions concerning the amendments, please contact which is availahle it) those - Establish a mix or invest your retirement income Will Christopher Wilson at 519-575-4757 ext 3544 or at ctrwrlsonoregtononlvaterloo ca who have lmlc or no income ments that will deliver the always he more fm mu beyondthts right level of cash flow. and ll you Wish to speak at the CounCll meeting. please register as a delegation With me Rooms 0 Private pension rlans develo a customized lan '“ l P P Couocn and Admtntstrative Sen/ices Divism at 519-575-4400 or at regrooalclerk®reglonor~ ("1d KIND W‘Wfld “NU“ f‘" Wilhdfawinfl Willem?” m“""“'"" “V""W'd'" watertoo ca by A 30 p m on Monday January it 2016 ll you require accessrble servrces to mm‘ 5m“? ”am [RR-“M mm“? “W “in 5mm" “W “""“'""“’"’""” m‘m‘mmm' ’ i l l ta t ti Coo ll nd Ad lstr t Se 0 ll ast five 03 ' Personal savings â€" retirement lifestyle without Wamwmrm minim-Mutt . 03mm)" 8 98359 CO" C I e "a a "W" a we was mm a e Vs which are the crucial build stripping your underlying it. 111- "W” ”N "A f l” 4- ; to advance 01 the meeting mg blocks that help pumm- assets [tilt at a“ ruin ..’ "l. m J“ or t t ‘ . . , ‘ , ‘ h 1 thus notice is in accordance mm the "MumcrpalAct. 2001“. as amended manna] “umy mmugh 3" I“. ”x ‘ "men" mm ”mm“ "m" "w "m Kris Fletcher Dtrector Councrl and Administrative Semces’Regiooal Clerk BlaCkBerry reports Strong thlrd quarter All comments and tnlormarlorl received trout ltidltllduals, stakeholder groups and agencies BlacltBerry reported a 43 com til $557 million. up 14 Blatlth-rry now has a regarding mls bylaw a“? being collected to N we Ream cl water“ m making a per cent year-overâ€"year percent over the second cash and investments ha] , a ' I growth ln software Intense quarter lhl‘ software and ance of $2 7 billion. incliid deem um the Municipal Ad ‘ m' be“ such as “am” mess “an revenue for the fist til Jillh servit es revenue of 5 lhz trig the impact of the fl‘tt'nl number and ”may mam" mat maybe Included tnasubmisswn mmwo'mem‘c third quarter, as reported "H”Ilill is up lit! per cent acquisitions of Atllrit and record Questions regarding the collection Ol this information should be referred to Council and last l'l’ldi“! trier last year. and up I I9 hood [ethnology and heal Administrative Servrces It gave the Waterloo per t enl quarter over quar forecasts Wllh ti reported based company total rev let Irissrifliist Jcentsper share ‘5 ‘V The elm-noon! and MM“ if“ -. ,..«; ‘f at " "~ s .‘ r a . - . 7. \ WWMNMNMMM. 1. 9&5" ,~ ; 3&3“ ‘ ~ ""'~ 4 - . . 1 it . . 1 '- --,s.-.t<'-'-r1-’ \ '§7". , ..,_- \ ‘ icons-wound ,,:-,~-. 3 WWW f? j, - ‘m ; ii 'd: gi‘ ch I“ a 'i-‘ '-’ u fihkx‘g ‘ “1 t Dino-eh WWW» Wham. , . w a t _ , __ ' s . _ , . . . r . r h -.' _.N E “I“ .‘ . .wg44rsagi;ug .. . . .‘_ y . U. _ _ t , . “A t ‘ ,, y 3 x 45 ‘ 7, “fat” ,, :4 ' ‘ v ‘ fl 4' ..- 43:3, 1: “if-f fi‘r‘fi'ifl - ‘ I . r- , J, , ' â€"â€"- > 1 ~ "M" " a . f ‘ a.“ go Apply by January 7, 2016 3 i