innovative science

SURREY Memorial Hospital radiogvapher Louis
McCrady gave a presentation recently to Capilano
elementary school students on anatomy, pathology, x-
rays, CT-scan and other technology to do with bones.

P ebhistnas
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Tu te Scotia RRSP “Let's see if I've got this straight. Instead OK, O Wise:
Carcn-Up" Loan of losing the advantage of my unclaimed ONE, WHERE DO
(Here's a quick math version as an RRSP contributions, | can take a loan, I Ger THE EXTRA
trample just to get you thinking.) * just this once. SITBA MONTH?

1. Today, | will pull out that nasty file, I KNEW THERE
the one that says MY INCOME TAX. The VAS ATCH!
Bono $15,000. WAS A CATCH!
(Maybe you need’ more, one with my name and all those numbers
maybe j you need less.) on it. The one that makes my blood run Here are five hard-nosed
2 cold. Hl find the square that tells me how money aving notions, to help get
As of this vear you GHP BACK $6,000 far behind Fam on my RRSP potential. sour Osa Scrooge juices flowing.
au: alify £ or $I 5000 ON YOUR FAN RETURN ARE PAY Then Ull walk it over to ny neighbour- 1, Rummage through the back of the
{ ' DOWN YO OAN, hood Scotiabank and Cll ask them for a closet — the ‘70s are all the rage.
CR LOAN iB

in unclaimed RRSP (This depends on your tax rate, Catch-Up Loan. This t will do, and J'U 2, Pack your lunch.
contributions. and other stuff. Doesut everything?!) (You'll get rich and skinny!)

If vc Iv had 3 _. ; 3, Resist your favourite restaurant —
YOU OMy Nac i Of course, you'd rather not borrow. at least take the dog off gourmet.

ty.

AY BACK STF RAMON oe . :
the money! -_ Soom sible aie MM. But this is borrowing to save. The idea t, Take the hus — OK! OK!
then trade down the car,

What to do! 1 is to do this once, so you can catch up 5. Call us. You'll find
Ah. I oP, and keep up. all us. You'll find interest rates
What to dot: SWALCHAYGUP RESP GROW Ta pup ‘on the Catch-Up Loan are as low
) IRAN: . . F ’
March Ist. > SAE AS IN S YEARS AND Take a minute and do the math. as Prime”, and you can take up to
2 MONTHS. WHEN YOLEDEOAN ES ten years to repay.

t
It keeps coming around, ready or not. mip our is 25 YEARS “I get it, If I'm in a higher tax bracket, '
VOWEL AE S94 ay 5. Ido even better. But even if Im in a lower |
i
|
j

Congratulations.

do it now."

I's not entirely painless to squeeze;
out another $178 per month -to pay
back the Catch-Up Loan, but you can
do it, and live to count the rewards. ,

And every year they say you have the (So WHO'S NUTS? ?) tax bracket, | can borrow money to catch

Rlege ate , .
Pee crriienine upon your unused (Here comes the fine print. upon my RRSPs. [should get money back
; The example above is based on the this year on my income tux, pul it against
Gee, thanks a fot. following assumptions.) the loan and watch as it sits there making Point is, you can.do something.
Every year you start out with strong 1 lovestr sn 4%, maria coe ax trace and is eligible for money for me in my RRSP. Well count Because doing nothing: i is. the worst
: a) 7 ; : ‘ ( J : years and is subjeci idea of all,
resolve. Good intentions. Promises. You § to applicable credit cnteria. Loan rate over the life of the loan is
know you ought to do it, but then March paisbhe gy tar elund eased i oye pancipal atthe baht * Registered ‘Vrade -riarh of The Bank of Nowa Scotia, 1) tratemuarks af The Rank of Nova Scatia,
Ist rolls by and somehow the money's not month — you pay back an additional $11,068 ($9,000 of principal & Seotiabank’s Prime rate as of November 1, 1996 was 5.0% andl is subject to change,
there. Your ‘unused RRSP contributions Sa id iat at YB a headed patton average annuat an
] B88 207 a8?

grow and grow, until they get way too big to a

handle. And ¥ tive up. (So much for fine print. Talk to us. s .
ni indie, And you jus give Uy . We speak in large print.) ocotiaba nk, 2 www. scotiaban ca

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Poe)
Hie i,

What to do! What te do!?