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SUDOKU
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PUZZLE ON PAGE 4
Erin Kenny
DFH Real Estate Ltd.
250-477-7291
www.erinkenny.ca
YOUR HOME
SOLD
QUICKLY
I never
compromi se
ser vi ce or val ue.
visit www.erinkenny.ca
Lear n about my mi l i tar y i ncenti ves $$$
16 LOOKOUT January 25, 2010
0
%PURCHASE FINANCING FOR UP TO
48 MONTHS
ON SELECT 2010 LANCER MODELS
9
Smart customers always read the ne print. *2010 Lancer SE available for $22,018, * with purchase nancing of 0% for 48 months or $129 bi-weekly for 84 months
at 2.8% with $2,500 down and $2,091.54 nance charge.*2009 Galant ES available for $25,493, *with purchase nancing of 0% for 60 months or $149 bi-weekly
for 84 months at 2.8% with $2,500 down and $2,447.86 nance charge. 2009 Eclipse GS available for $27,653, *with purchase nancing of 0% for 60 months or
$149 bi-weekly over 84 months at 2.8% with $4,000 down and $2,515.30 nance charge. No payments for 60 days offer only available on 2009 Eclipse GS models.
2010 Outlander XLS available for $36,158, * with purchase nancing of 0% for 36 months or $199 bi-weekly for 84 months at 3.8% with $5,000 down and $4,376.34
nance charge. Prices include Freight and PDI. Customer is responsible for the following expenses ordinarily due at purchase or signing: license, registration, insurance,
taxes, inspection, gas and any additional delivery or preparation charges. For all purchase nancing offers, customers must sign contract and take delivery from dealer
by January 31, 2010. Purchase nancing at 0% credit rate available on select new 09 models through Bank of Nova Scotia and Bank of Montreal through participating
dealer, to qualied retail customers in Canada, on approved credit. *Whichever comes rst. Regular maintenance not included. New Vehicle Limited Warranty covers
most vehicle parts under normal use and maintenance. Warranty applies to 08/09 vehicles (Lancer Evolution and Ralliart excluded). See dealer or Mitsubishi-motors.
ca for warranty and Education Edge terms, conditions, and other details. Limited time offer through participating Mitsubishi Motor Sales of Canada Inc. dealers to
qualied retail customers only. MITSUBISHI MOTORS, BEST BACKED CARS IN THE WORLD are trade-marks of Mitsubishi Motors North America, Inc. and are used
under license. Dealer #30693. Ad# 1121_10-01-25.
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2010 MITSUBISHI OUTLANDER XLS 2009 MITSUBISHI GALANT ES
761 Cloverdale Avenue
(250) 220-8100
www.victoriamitsubishi.ca
MON - THURS: 8:30 AM - 7:00 PM
FRI - SAT: 8:30 AM - 6:00 PM
2009 MITSUBISHI ECLIPSE GS
$36,158
MSRP
$25,493
MSRP
$27,653
SALE
PRICE
STK#9EC2359 STK#MOU2284
2010 MITSUBISHI LANCER SE
$22,018
MSRP
$
129/Bi-weekly for 84 months
@ 2.8% with
$
2,500 down
OR
$
149/Bi-weekly for 84 months
@ 2.8% with
$
2,500 down
OR
$
149/Bi-weekly for 84 months
@ 2.8% with
$
4,000 down
OR
$
199/Bi-weekly for 84 months
@ 3.8% with
$
5,000 down
STK#9GA1485
0
%
APR
FOR 60 MONTHS
0
%
APR
FOR 36 MONTHS
0
%
APR
FOR 60 MONTHS
C
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761 Cloverdale Avenue
THE
SCR
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-IT
PROGRAM
OR
Price includes
Freight & PDI
Price includes
Freight & PDI
Price includes Freight & PDI
Price includes
Freight & PDI
STK#MLA2932
Pierre Goulet
SISIP Financial Services
January and February are
typically the time of year
when many Canadians make
their Registered Retirement
Savings Plans (RRSPs) con-
tributions. The first sixty
days of each new year gives
us the time to top-up con-
tributions, borrow to make
contributions if we havent
done so throughout the
year, or to start a new con-
tribution plan. All contri-
butions made up to and
including March 1, 2010
can be claimed either on
your 2009 or your 2010 tax
return.
1. Dont wait until the last
minute
You work hard for
twelve-months of the year
to earn your money. Dont
wait until the deadline to
seek out your investment
options. Its easier to invest
in small doses. Try making
your investment decisions
throughout the year, when
you will have more time
to reflect on these deci-
sions, and you can avoid the
February rush.
2. How much to contrib-
ute?
When contributing to
a RRSP, time is money!
However, because we can
carry over our unused con-
tributions for an indefinite
period, some of us have a
lot of contribution room.
Decide how much effort
you want to make towards
your 2009 contribution
and what you would like
to contribute in 2010. Be
reasonable, do not invest
every dollar of your surplus
cash or borrow too much
through a RRSP loan. This
could cause you financial
difficulties and prevent you
from properly planning
future contributions.
If you do not have surplus
cash and you do not want to
borrow, it is better to simply
focus on the year ahead and
start a monthly contribution
plan into a RRSP. Doing so
will put you ahead of the
game at this time next year.
3. Whose RRSP to con-
tribute to?
Generally, the purpose of
a RRSP is to build savings
that will provide a source
of income at retirement. If
you have a retirement sav-
ings plan and your spouse
does not, you may wish to
make spousal RRSP contri-
butions. Such contributions
are still deducted from the
income of the contributor,
but help build a retirement
income for the spouse with
no retirement savings plan.
4. Determine your risk
tolerance and RRSP invest-
ment choice
An understanding of your
objectives and risk tolerance
is key to your investment
success. You may be con-
sidering a Tax Free Savings
Account (TFSA) which
allows up to $5,000 every
year into an account that
grows tax free. Let a SISIP
Financial Services (SISIP
FS) financial planner assist
you in determining your
risk tolerance level and the
appropriate investment
vehicle; professional advice
can really pay off. Visit your
local SISIP FS office, call
1-800-680-8177 or online
at www.sisip.com.
Its RRSP time
again
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