40 ~ Wednesday, Jacuary 13, 1988 - North Shore News Fimancial GARTH SEYMOUR, branch manager of the Park Royai Guaranty Trust, says his financial institution has a lead on RSP initiztives — 2 buy now, pay later RSP Joan program. The program kets the cHient buy the RSP as wu joan in time for the 1987 tax year but payments begin four months later. *PRIME RATE R.R.S.P LOANS (FIXED OR VARIABLE RATES) IT’S SURPRISING how many “Unfortunately, the complexity tified Genera! Accountant who perfectly legal ways you can useto of income tax often hides these specializes in income tax. ‘'So save Income tax. ways,"’ said a North Shore Cer- people end up paying more tax —_— , than they should."* The CGA provided the following cxample. ; Visit Pembertons West the aabairead i le rhe te Vancouver Team At The First Financial Seminar. claimed the married exemption. She turned 65 just over a year ago, so collected the Old Age Security Our qualified Investment Advisors will be on hand to visit with you throughout the Seminar. They offer safe, reliable investment pension during 1987. “While she won't have to pay advice custom-tailored to help you achieve your personal goals, any tax on this income,’’ said the CGA, “that income will reduce the The kind of advice we've been offering Canadians for 100 years. plan, said the accountant. “That will reduce her net in- total amount of your pension in- come into your own RRSP. SEE YOU JAN. 18th AT THE FINANCIAL NEWS SEMINAR .. ASK ABOUT GREEN LINE DIRECT TRADING & GREEN LINE INVESTOR SERVICES! Manan DOH LFF Re ZEAE A ret nee SUSE ET Het TORONTO DOMINION marital exemption her husband the bank where people make the difference So, when you want investment advice come, and so restore some or all of would otherwise be claiming.” She can, however, roll over any you can rely on, rely on Pemberton West her husband’s marital exemp- Vancouver. tion.” amount up to the total pension she received for the year into her own The CGA explained that.in ad- dition to the normal contribution registered retirement savings limits, you may roll over up to the 2k neers Pemberton Securities Inc. Suite 201, 250 = 15th Street, West Vancouver, B.C.V7T2X4 925-3131 PEMBERTON See Seniors Es Free RRSP Seminars ‘ ee = Ce ie ice LANE RE A nshneiel oaneth at oni snirale soe Act now! Contribution Deadline, With the Royal Trust Bonus Rate Term Deposit/GIC you could earn an extra 4% to 42% Bonus Interest. You can earn 44% Bonus Interest on this year’s contribution when your total Royal Trust RRSP balance is over $10,000, or carn 2% Bonus Interest when your total RRSP balance is over $25,000. Switch your RRSP to Royal Trust and you'll earn Bonus Interest on the full amount of your transfer if your new balance execeds $10,000. And your rate is guaranteed when you request the transfer. Instant tax receipts are available. Call StraightLine 1-800-387-1808. In Vancouver call 662-2222. Or visit your nearest Royal Trust branch. ROYAL TRUST Where advice comes first. Member of Canada Deposit Insurance Corporation. HU | West Yancouver 1760 Marine Drive 922-3276 North Vancouver 1524 Lonsdale Ave. 984-4466 RN ede OMIA! ee NRT SNRLN AED AL PMA ANCL OA SOR cet he AEE SPN ALLO MNase Hehe nat Aa tnt m cee ome we pecteone