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Show J HGUBLER & 360 WEST 300 NORTH ' ASSOCIATES (80c,UTAM94m Hi. I i , ;; ' .!ii'.J! " h M Jiff, jj I1 V W JOSEPH H CUBLER JAMES M. WILSON TAX SHELTERS Tax shelters drf not have to be confusing. They are simply financial devices to delay, reduce, or eliminate income taxes. A tax shelter can be as simple as purchasing a home to permit an interest deduction as opposed to renting your home which provides you with no deduction. It can be as complicated as a full-blown corporate pension plan. If a tax sheltering program is being proposed to you by a "shelters salesman," either take the time to investigate his product or seek independent professional assistance. Your tax sheltering techniques should be reviewed in light of your individual income tax problems over the next several years. Some shelters provide large tax savings but little if any true economic gain. Other plans with more moderate tax savings may have better economics. In some plans the realized gain would be taxed at ordinary tax rates as opposed to the preferred capital gains. The changes in your tax bracket from year to year are a major factor in determining when to start and how to manage your tax sheltes. It does you little good to create a deduction when you're in the 14 percent tax bracket if it's going to cause you to report a like amount of income when you're in the 54 percent bracket. This can easily happen to young professionals at the bottom of their earning career. 1 You need to project the economic and tax effects over an extended period of time to determine the bottom line benefits. When all is said and done, what should be important to you is the maximum amount of dollars in hand. Energy f - NsBiEsa from the (EtnnnamM SUN (ffl(jEnrn?(gfl7 I Mountain West Energy Has The Most Efficient Solar Panels All systems qualify for a 50 TAX CREDIT. Uhe most effecient panels Proven In Tests by the Florida Energy Commission 2- Prices among the Lowest 3- Wldest selection for all needs A-Hot Culinary Water B-Hot Water Space Heaters C-Hot Air Space Heaters D-Solar assisted Heat Pump E-Sun Tracker concentrator , , , , , F-Hot Air-Hot Water Exchanger .iW i a. r G-Hot Water Floor Radiant Heat 50 Tax Credits Locally owned and operated by James and Steve Day For free estimates call Kevin Jones 586-8879 Mike Peterson 586-2150 . . Russell Day 586-8335 . . ' ' ' i- ' Gnosis asiEs LJ ONE-YEAR LjLj Earn up to $2,000 tax exempt for those filing a joint return or $1,000 for individuals. $500 MINIMUM TAX EXEMPT These one-year certificates are Because the interest from these within the reach of most savers. certificates is tax exempt, the Invest now and you will receive the effective rate is much higher than interest in time to reinvest in a many other taxable certificates second certificate before the that pay higher rats. deadline December 31, 1982. Ask for details ... at any of ZIONS . the 57 Zions Bank offices. . FIRST NATIONAL Notice: If a depositor elects to withdraw Interest Jl TTT' f$ A ' on a periodic basis prior to maturity, the 0 1 IN lV lIHITJ effective yield to the depositor of the Tax Saver Certificate will be lowered. Founded by Brigham Young 1873 Member Federal Deposit Insurance Corporation ' An Equal Opportunity Employer "The ''&' Sportsman's .affiA Headquarters,. fl hunting ' l'fmklm' supplies GUNS I AMMO M HUNTING m CLOTHES SUPPLIES q pV 150 So. Main g Vylj4 Cedar City "The Sportsman's Store" |