The Rural Voice, 1999-01, Page 349v(u tualInsurance Company
264 HURON ROAD
SEBRINGVILLE, ONTARIO
393-6402
1-800-263-1961
DOWNIE MUTUAL
INSURANCE
COMPANY
a
FARM, RESIDENTIAL, COMMERCIAL AND AUTOMOBILE INSURANCE
AGENTS
Lloyd Walkom 348-8050 Keith Patterson 348-8391
Steve Riehl 393-6708 Robert Ready 393-6965
R. Allan Fuller 271-6176 Lynda Vincent 527-2204
1-888-269-0377
BROKERS
F. A. Campbell & Son Insurance 348-8425
William Dietz Insurance 656-2585
Lawson Killer Insurance Limited 271-1840
Stonetown Insurance Brokers 284-3321
Serving 7Tie Community For Over 100 years.'
•
ONE OF OUR 1.Ar ST ]INNOVATIONS
HAS 1E�1N .'1 I'OUND A LONG, LONG TIME
Stronger than our
equipment, more innovative
than any technology, are the
relationships we have with
our customers. Please join
us to celebrate this long-
lasting partnership.
Join us Monday, January 25
See what's new from John Deere and
visit our expanded service shop
Bruce Tractor
Growing to Serve You Better
INIUUU�
BRUCE
TRACTOR
insomo •-
& LAWN CAPE LTD.
(519) 881-2231 (1-800-265-3883)
30 THE RURAL VOICE
maturity dates remains the best
method to maximize returns and
maintain flexibility without giving up
security.
You can arrange your certificates
over a five-year time horizon, so that
each year approximately 20 per cent
of your total GIC investment
matures. This allows you to reinvest
that portion of your GICs in
certificates that offer the maximum
interest rate available — typically a
five-year GIC.
Staggered maturities also protect
your GIC portfolio from sudden
interest rate declines because not all
of your money will be maturing in a
low interest rate environment.
"Many seniors and fixed-income
investors rely on the money received
from income -generating investments
to supplement their monthly pensions
and other earnings," says Harriet
Shenken. "A staggered maturity
strategy is the best approach to
protecting their investment income
from sudden shocks in a volatile
interest rate environment."
hen it comes to managing
your wealth, two elements
are crucial: an overall
financial plan to manage your affairs
today, and an estate plan to ensure
the wealth you build during your
lifetime provides for your loved ones
after your death.
It's also very important to see
your estate plan as part of your
overall financial plan say experts
with the Investors Group.
Linking your estate planning with
your overall financial plan not only
makes both plans more workable, it
is essential to you and your family's
Tong -term financial health they say.
By properly structuring your
finances, you'll minimize taxes today
and upon your death.
For example, you may wish to
transfer assets, such as your farm, to
your children while you're alive to
reduce taxes and fees at death. If,
however, you don't coordinate this
estate planning technique with your
financial plan, you could cause
yourself financial hardship. By
transferring assets to a child, you lose
control of these assets and possibly
jeopardize your income security if
you outlive your remaining assets.
You could also create
unanticipated tax liabilities for
Alb