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Beware the underground

From page 24

ty); contribute to a spousal RRSP:
have the higher income partner
pay the bills while the lower
income person does all the saving
and investing: make maximum
RRSP contributions unless you
can invest your money for a better
after-tax return over the long
term. And invest for the best after-
tax results (like carning Canadian
dividends and going for capital

‘ gains which, in effect. compound
tax-free until you sell the invest-

Some other tips:

* If you received one of the
special short tax returns in the
mail, carefully read the list of
who should and shouldn't use the
return. Otherwise, you might miss
out claiming some deductions and
tax credits.

If you got an early version of
the Capital Gains Election
Package which didn't include a
correction notice, contact your
local tax office for that notice.

* The January Consumer
Reports Travel Letter contains its
annual Best Deals (low-fare air-

Ts sate, ef

lines, discount tickets to Asia,
half-price hotel plans, early cruise
bookings) and Worst Ripoffs (full-
fare economy Night, too few fre-
quent flyer seats, hotel rack rate,
rental-car insurance). You can get
a copy for U.S. $5: phone 1-800-
234-1970.

Mike Grenby is a North Shore-
based columnist and independent
financial adviser who works with
individuals: he will answer your
questions in this column as space
allows — write to him c/o 2444
Haywood Avenue, West Vancouver,
B.C. V7V 1Y1.

Wednesday, January 25, 1995 — North Shore News — 25

“Looking For A Great
Interest
Rate”

David Rick
Fonseca Charles

Rates Subject To Change Without Notice

Minimum $25,000

ment)..
Provincial Government-

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We are pleased to present the completely independent and objective

MANAGING YOUR
FINANCES WITH
A SMILE

Saturday, February 4, 1995
Carson Graham High School
Show opens 1:00pm - Seminar
Starts 2:00pm - Tickets $7.00

(includes GST)

Capital Gains Seminar
by H&R Block, -

‘Find out how the elimination of the
‘Capital Gains exemption affects you.

Seminars commence 7 pm each evening.

Call now to reserve your seat for:

january 30, 1995

“Surrey Inn, Surrey, Tel: 585-6818

a anuary 31, 1995
‘Royal Towers Hotel, New Westminster, Tel: 524-8633

February 1, 1995

"Sheraton Plaza Hotel, Vancouver,

Tel: 327-0461

Mike Grenby ©
Ba Msc CEP RFP

Tickets available:

__ + (for Mastercard and Visa) .
phone Lynda Gleeson 2pm-4:30pm 985-2131
or the classified front desk

- weekdays 5-9pm
weekends 9am-4pm 986-6222

(for cash payments)
at the North Shore News
1139 Lonsdale Ave., North Vancouver, B.C.
8:30am-9pm Monday to Friday. -
9am-4pm Saturday & Sunday