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THUISDAY. NOVEMBER M N15 - HAMMER]! - 19 1)?“ “ll\|{7|v:;177‘777771 . l O O D 0 O O O O O O l O O O O O 0 O O C O O 0 O . hfiV77'A7Aâ€"~__>‘ ' 7 7 7 ‘ Q . Findin ur in tI ti t 0 C g YO 0 Na 01] 0 . O O ' contribute to retirement - , Rea ers urvey ' " Q ,.p‘ 0 ow do you contribâ€" ' ' ’ TFSAand yougetyourmoney ’ ’ fi . p . H ute to your registered \ 1 \ l\ l \ back out â€" at any time, for any 0 ‘ Q N I E l . retirement savings ‘ ’ ‘ , _\_ purpow. . A ' planandyourtax-free savings \l()\l\ Mtha'i'FSAthereisnotn “L 1 ' Q ’ account? deduction for your contribu- fl ‘ ,‘\ . /'\ up, , a, y’ ' Do you make regular con- dons but all Ti-‘SA investment t 2 t l l\ jl it " t J l fair 0 tributions through the year? ‘ earnings are totally tax-free ' , if ' . Do you contribute when ‘. and will not trim clawbacks i . a friend or family member fl - on federal tax credits or benâ€" . p 4 , ’ nudges you? i ". efits programs (such as the Do you remember to do so â€" ‘ Guaranteed income Supple- when your professional advi- } merit, Old Age Security. Age sorremindsyou? ’ , CredicGSTCredit, orCanada . Ordoyouwant to make up p ChildBenefit). cash nzes for lanyear when you forgot to RUSS The current annual maxi- invest irt or top up your RRSP MCEACHNIE mum TFSA contribution is l A» p . \ | orTFSA? , $5,500plusthefullamoumof T y y it” u py ll T . it really doesn't matter contributioneachyear. anyprevious year‘s withdraw- â€"L’ "~" ‘~ , "‘ " ‘pf ~ what motivates you to con- For 2016, the maximum als. , , , tribute to your RRSP or TFSA RRSP contribution is $25,370 if you don't use all your Part|C|mte "1 Cu. â€" what matters is that you do (How much you can contrib- contribution room right away. make regular contributions. ute can be found on your most it accumulates year after year fo h t Here'swhr recent notice of assessment â€" fillltupan'ytimeyouwant. survey r a C ance 0 from the Canada Revenue Bythemry.yourTFSAoon- Mime-pee: Agency.) tributions do not affect your MRRSPthebect The RRSP contribution RRSPcontribution room. retirement living strategy deadline for the 2016 tax year There’s no doubt that reg» formula-dill! is March 1.20174 ular contributions to a RRSP Your contributions and If you have any unused and TFSA are vital to your all the investment earnings contribution room left over financial future 4 that accumulate in your plan from previous years, fill it up Your professional advi- m? m mm” an“ W" “a" is we”? “ we“ ‘0' "m- s“ can be? M 8“ “m M mwfimmmmma -":..':..T. wrmwmmm usmgthe money in retirement. imum long~temi tax-deferred from a RRSP. a TFSA and every mama-551ml! (mm-narmni man-mm wanFcDu-nrvl an hmm’awmmmflnr nmmmwhflum Add in the fact that your growth and additional tax sav- other element of your overall contributions can be used to ings. financial plan, reduce taxes and the magic of Your RESP contribution tax m compounding that enhances deduction can be carried for w e . ta ta... cmniele RRSP growth over time, and ward to future tax years, which ”' ecta volunt Pa it's easy to see why a registered can be useful if you expect a Thismlumn Lipmvtdedby “pr 3“ . y plan makes such good finan jump in income in the next McEadtmleGroupPritute A mum mum mmwrm You're. Contribution To get the most in imme miss/maritime, (recent Po diate tax savings and long TFSM are an excellent and CDFA, RRC, Maura]. at S“? Pram term growth from your RRSP, flexible-“tome (”Earhart-1624101110") a always make your maximum You put your money into a Warn. . r g o o , We ask you to consider contributing WREDC has successful German v1s1t , , , $25 per v... mm. mm of you, Representatives from headquarters of companies with targeted German cor- / 17. up Community "N’p'per' Waterloo Economic Develop located in the cities oiMunich, porations, the delegation A. , ment Corporation and repreâ€" Frankfurt and Stuttgart. also met with local economic // -p Mam 0' m” Reader? have made the sentatives from the cities oi Having had the benefit development and Chamber of ' “ dec's'on to Show the" Sill-100” for the Cambridge and Waterloo held of supportive pro-mission Commerce officials from the g Zfih _ Waterloo Chfqn'C'e- a total of is meetings over the preparation alongside the City and Region oi Stuttgan. l: ‘ a 0 ll '5 OW pleasure to prOV'de the walefloo course of their retent Gonna lot al office of each German as well as the consul general of E a . area WIN] a communltY NeWSDaper- ny based trade mission (ompany visited. the Water Canada The primary objective oi loo Region delegation; were These discussions centred the mission was to meet With impressed by both the genu on strengthening the relation J. Germanâ€"owned companies me enthusiasm with which ship between Waterloo Region “VATFRmo-aifibmcw gruotrollndmedla with operations in Waterloo they were received as well as and Germany's economic A ‘ ("Mmâ€"m" Region to discuss their expan the quality of the business dis- development team I sion, growth and retention missions held Follow up has Germany accounts for in plans already begun locally and at per cent of all foreign invest, 279 WEBER ST N‘ SUNF- 20‘ WATERLOO‘ ON NZJ 3H8 The delegations met Wllh the headquarters level. ment locally and represents FOR MORE lNFORMATlON CALL 519-623'7395 ext. 260 key executives at the global in addition to meeting approximately 39 businesses I would like to contribute to the Waterloo Chronicle ' an add.- it. M | Y ' . ' ,/“ I H Ith es DPIease find a cheque for $26 enclosed 43). IOtaA a eaA 5194470320 I ' for a 1 year contribution ' Y dun-MW m'mm . ' sw‘m’": .____________.____‘__ | ~ ‘ ' Free Blood Glucose ~ l HOMO: ' Fm WHY-x." ’* Monitor & reaching " u I Add _ _ l l fizz; ' ' - Compounding p_;;: ms. â€"â€"â€"â€"â€"â€"â€"â€"â€"-â€" City. -â€"~â€"-â€"â€"â€" {7 p,” “I“, ,, ,,u .,., we, - l~rec Blood Pressure (heck / .; h, l P031“ COCO: PhoM“: l "273m. a.“ " ~-_-----â€"---------â€"-----‘ , . 7, . ,,., i r e