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7 ﻪـﭽـﻤــﻴـﺗ |12 ﻩﺭﺎﻤﺷ | ﻝﻭﺍ ﻝﺎﺳ |1398 ﺪﻨﻔﺳﺍ 24 ﻪﺒﻨﺷ |
|Saturday 14 March 2020 | No 12| ﺰﻨﻃ ﻭ ﻯﺮﻨﻫ ،ﻰﮕﻨﻫﺮﻓ ،ﻰﻋﺎﻤﺘﺟﺍ ﻪﻳﺮﺸﻧ
ﻪﻤﻴﺑ ﻩ ﺪﻨﻳﺎﻤﻧ ﻚﻳ ﻯﺎﻫ ﺖﺷﺍ ﺩ ﺩﺎﻳ
ﺪﻴﻨﻛ ﺖﻈﻓﺎﺤﻣ ﺩﻮﺧ ﻝﺰﻨﻣ ﺯﺍ
ﺪﻳﻮﺷ ﻚﻳﺮﺷ ،ﻪﻤﻴﺑ ﺖﻛﺮﺷ ﺎﺑ
ﺏﻼﺿﺎﻓ ﺖﻧﻭ ﻯﺎﻫ ﻪﻟﻮﻟ ﻭ ﺎﻫ ﺶﻛﺍﻮﻫ ﻞﺤﻣ ﺯﺍ ﺏﺁ ﺖﺸﻧ
ﻪﻤﻴﺑ ﺱﺎﻨﺷﺭﺎﻛ
ﺮﻬﻣﺎﻴﻛ ﺰﻴﺒﻣﺎﻛ ﻰﮔﺪﻴـ ـﺳﻮﭘ ﻭ ﺩﺎــﺴﻓ ﺚــﻋﺎﺑ ﺪــﻧﺍﻮﺘﻴﻣ ﺖــﺑﻮﻃﺭ ﺖــﺸﻧ
Participating whole life insurance ﺎــﻳ ﻰﺘﻛﺭﺎــﺸﻣ ﺮــﻤﻋ ﻡﺎــﻤﺗ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻰــﮔﺩﻮﻟﺁ ﺐــﺟﻮﻣ ﻭ ﻩﺪــﺷ ﻥﺎﻤﺘﺧﺎــﺳ ﻰــﺑﻮﭼ ﺍﺰــﺟﺍ ﻥﺎﻤﺘﺧﺎﺳ ﻰﻨﻓ ﺱﺭﺯﺎﺑ
ﻥﺁ ﺭﺩ ﻪــﻛ ﺖــﺳﺍ ﻰــﻤﺋﺍﺩ ﺮــﻤﻋ ﻪــﻤﻴﺑ ﻰــﻋﻮﻧ ،ﺩﻮــﺷ ﻰﻣ ﻩﺪــﻴﻣﺎﻧ PARﺭﺎــﺼﺘﺧﺍ ﻪــﺑ ﻪــﻛ .ﺩﻮــﺷ «mold» ﻰﻧﺎﻤﺘﺧﺎــﺳ ﻚــﭙﻛ ﻪــﺑ ﻥﺎﻤﺘﺧﺎــﺳ ﺶﻴﻜﻬﺑ ﺮﻴﻣﺍ ﺮﺘﻛﺩ
ﻪــﺑ (Dividend) ﻢﻬــﺳ ﺐــﻟﺎﻗ ﺭﺩ ﻝﺎــﺳ ﺮــﻫ ﺍﺭ ﺩﻮــﺧ ﺩﻮــﺳ ﺯﺍ ﻰــﺸﺨﺑ ﻪــﻤﻴﺑ ﺖﻛﺮــﺷ ﻪــﭼ ﺮــﻄﺧ ﻦــﻳﺍ ﺮــﺑﺍﺮﺑ ﺭﺩ ﺖــﻈﻓﺎﺤﻣ ﻯﺍﺮــﺑ
ﻭ ﺮــﮔ ﻪﻤﻴﺑ ﺩﺎﻬﻨــﺸﻴﭘ ﻪــﺑ ﺩﻮــﺳ ﻦــﻳﺍ .ﺪــﻫﺩ ﻰﻣ ﺹﺎــﺼﺘﺧﺍ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻦــﻳﺍ ﻥﺎﮔﺪــﻧﺭﺍﺩ ؟ﻢــﻴﻨﻛ ﺪــﻨﻧﺎﻣ ﺪﻧﻮــﺷ ﻰﻣ ﺝﺭﺎــﺧ ﻡﺎــﺑ ﺯﺍ ﻪــﻛ ﻯﺪــﺋﺍﻭﺯ ﻡﺎــﻤﺗ
:ﺩﻮــﺷ ﻰﻣ ﺖــﺧﺍﺩﺮﭘ ﺮــﻳﺯ ﻯﺎــﻫ ﺵﻭﺭ ﺯﺍ ﻰــﻜﻳ ﻪــﺑ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻩﺪــﻧﺭﺍﺩ ﺏﺎــﺨﺘﻧﺍ ﺺــﺧﻻﺎﺑ ﻭ ﻡﺎــﺑ ﺍﺰــﺟﺍ ﻪــﻴﻠﻛ ﻯﺭﺍﻭﺩﺍ ﺕﺭﻮــﺻ ﻪــﺑ -1 ﻭ ﺎــﻫ ﺶﻛﺍﻮﻫ ﻰــﺟﻭﺮﺧ ،ﺏﻼــﺿﺎﻓ ﻯﺎــﻫ ﻪﻟﻮﻟ ﺖــﻧﻭ
ﺪﻘﻧ ﻝﻮﭘ ﻞﻜﺷ ﻪﺑ ﺖﺧﺍﺩﺮﭘ .ﺪــﻧﺮﻴﮔ ﺭﺍﺮــﻗ ﻰــﺳﺭﺯﺎﺑ ﺩﺭﻮــﻣ ﺎﻫ ﮓﻨﻴــﺷﻼﻓ ﻂــﺳﻮﺗ ﻰﺘــﺴﻳﺎﺑ ﻰﻣ ،ﺎــﻫ ﻰﻧﺍﻭﺮﻴــﺷﺮﻳﺯ ﻪــﻳﻮﻬﺗ ﺎــﻳ
ﺭﺩ ﻪــﺘﺒﻟﺍ .ﺪــﻨﻛ ﻢــﻛ ﺍﺭ ﻪــﻤﻴﺑ ﻖــﺣ ﺪــﻧﺍﻮﺗ ﻰﻣ ﺩﻮــﺳ :ﻪــﻤﻴﺑ ﻖــﺣ ﺯﺍ ﻥﺩﺮــﻛ ﻢــﻛ ﻡﺎــﺑ ﺍﺰــﺟﺍ ﺯﺍ ﻡﺍﺪــﻛ ﺮــﻫ ﻰــﺑﺍﺮﺧ ﺕﺭﻮــﺻ ﺭﺩ -2 ﺮــﺑ ﻪــﻛ ﮓﻨﻴــﺷﻼﻓ ﻡﺎــﻧ ﻪــﺑ ﻯﺍ ﻪﺘﺧﺎــﺳ ﺶــﻴﭘ ﻪــﻌﻄﻗ
ﻢــﻛ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺘﺧﻭﺪﻧﺍ ﻻﻮــﻤﻌﻣ ،ﻯﺮــﮔ ﻪﻤﻴﺑ ﻯﺎــﻫ ﻪﻨﻳﺰﻫ ﻞــﻴﻟﺩ ﻪــﺑ ﻝﻭﺍ ﻯﺎﻫ ﻝﺎــﺳ .ﻢــﻴﻨﻛ ﻡﺍﺪــﻗﺍ ﺎــﻫ ﻥﺁ ﻰــﻨﻳﺰﮕﻳﺎﺟ ﻪــﺑ ﺖﺒــﺴﻧ ﺯﺍ ﺮــﺗ ﻩﺎﺗﻮﻛ ﺕﻻﺎــﺼﺗﺍ ﻦــﻳﺍ ﺪــﻴﻔﻣ ﺮــﻤﻋ ﻪﻧﺎﻔــﺳﺎﺘﻣ ﺖــﺸﻧ ﺮــﺑﺍﺮﺑ ﺭﺩ ﺪﻧﻮــﺷ ﻰﻣ ﺐــﺼﻧ ﻡﺎــﺑ ﺢﻄــﺳ ﻯﻭﺭ
ﻭ ﻞــﻣﺎﻛ ﺕﺭﻮــﺻ ﻪــﺑ ﺪــﻧﺍﻮﺗ ﻰﻣ ﺞــﻳﺭﺪﺗ ﻪــﺑ ،ﻰــﻓﺎﻛ ﻥﺎــﻣﺯ ﺖــﺷﺬﮔ ﺯﺍ ﺲــﭘ ﺎــﻣﺍ ﺖــﺳﺍ ﺺــﺼﺨﺘﻣ ﺩﺍﺮــﻓﺍ ﻚــﻤﻛ ﺯﺍ ﺭﺎﻛ ﻦــﻳﺍ ﻯﺍﺮــﺑ-3 ﻯﺮــﮕﻳﺩ ﻪــﻄﻘﻧ ﺮــﻫ ﺯﺍ ﺮــﺗﺩﻭﺯ ﻭ ﻩﺩﻮــﺑ ﻡﺎــﺑ ﻪــﻴﻘﺑ .ﺩﻮــﺷ ﻯﺯﺎــﺳ ﻡﻭﺎــﻘﻣ ﺏﺁ
.ﺪــﻫﺩ ﺶــﺷﻮﭘ ﺍﺭ ﻪــﻤﻴﺑ ﻖــﺣ ﺯﺍ ﻰــﻬﺟﻮﺗ ﻞــﺑﺎﻗ ﺶــﺨﺑ ﺎــﻳ ﺍﺪــﻴﻛﺍ ﻡﺎــﺑ ﻯﻭﺭ ﻪــﺑ ﻦــﺘﻓﺭ ﺯﺍ ﻭ ﻢــﻴﻨﻛ ﻩﺩﺎﻔﺘــﺳﺍ ﺏﺁ ﺫﻮــﻔﻧ ﻥﺎﻜــﻣﺍ ﺞــﻴﺘﻧ ﺭﺩ ﻭ ﻩﺪــﺷ ﻰــﺑﺍﺮﺧ ﺭﺎــﭼﺩ ﻩﺪــﺷ ﻪﺘﺧﺎــﺳ ﻭ ﻰــﺣﺍﺮﻃ ﻯﻮــﺤﻧ ﻪــﺑ ﺕﻻﺎــﺼﺗﺍ ﻦــﻳﺍ
ﺮــﮔ ﻪــﻤﻴﺑ ﻂــﺳﻮﺗ ﻰــﻌﻤﺠﺗ ﺕﺭﻮــﺻ ﻪــﺑ ﺪــﻧﺍﻮﺗ ﻰﻣ ﺩﻮــﺳ :ﺩﺪــﺠﻣ ﻯﺭﺍﺬﮔ ﻪﻳﺎﻣﺮــﺳ .ﻢــﻴﻨﻛ ﻯﺭﺍﺩﺩﻮــﺧ .ﺩﻮــﺸﻴﻣ ﺭﺍﻮــﻤﻫ .ﺪﻧﺎــﺳﺮﺑ ﺮــﻔﺻ ﻪــﺑ ﺍﺭ ﺏﺁ ﺖــﺸﻧ ﻝﺎــﻤﺘﺣﺍ ﻪــﻛ ﺖــﺳﺍ
ﺍﺭ ﻥﺁ ﺪــﻫﺍﻮﺨﺑ ﻪــﻛ ﻥﺎــﻣﺯ ﺮــﻫ ﺭﺩ ﻭ ﺩﻮــﺷ ﻯﺭﺍﺬــﮔ ﻪﻳﺎﻣﺮــﺳ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻩﺪــﻧﺭﺍﺩ ﻯﺍﺮــﺑ
.ﺩﻮــﺷ ﺖــﺧﺍﺩﺮﭘ ﻥﺎﮔﺪــﻧﺎﻣﺯﺎﺑ ﻪــﺑ ﺕﻮــﻓ ﻪﻳﺎﻣﺮــﺳ ﻩﺍﺮــﻤﻫ ﻪــﺑ ﺎــﻳ ﻭ ﺪــﻨﻛ ﺖــﺷﺍﺩﺮﺑ
ﻦــﻳﺮﺘﻬﺑ ﺯﺍ ﻰــﻜﻳ ﺪﻳﺎــﺷ ﻪــﻛ ﻪــﻨﻳﺰﮔ ﻦــﻳﺍ :ﻰــﻓﺎﺿﺍ ﻯﺎــﻫ ﻪﻣﺎﻧ ﻪــﻤﻴﺑ ﺪــﻳﺮﺧ
Paid-up additions) ﻡﺎــﻧ ﻪــﺑ ،ﺪــﺷﺎﺑ ﻰــﻤﺋﺍﺩ ﺮــﻤﻋ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻚـ ـﻳ ﻯﺎــﻫ ﺏﺎﺨﺘﻧﺍ ﺕﺎﻴﻟﺎﻣ ﺯﺍ ﻑﺎﻌﻣ ﺯﺍﺪﻧﺍ ﺲﭘ ﺏﺎﺴﺣ
ﻖــﻠﻌﺗ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺑ ﺩﻮــﺳ ﻪــﻛ ﺭﺎــﺑ ﺮــﻫ ،ﺵﻭﺭ ﻦــﻳﺍ ﺭﺩ .ﺩﻮــﺷ ﻰﻣ ﻪﺘﺧﺎﻨــﺷ (PUA
ﻰﻟﺎﻣ ﺯﺎﻴﻧ ﻡﺎﮕﻨﻫ ﻦﺌﻤﻄﻣ ﻰﻧﺎﺒﻴﺘﺸﭘ
ﻯﺮــﮕﻳﺩ ﻰــﻤﺋﺍﺩ ﻯﺎــﻫ ﻪﻣﺎﻧ ﻪﻤﻴﺑ ،ﻪــﻤﻴﺑ ﻖــﺣ ﻯﺎــﺟ ﻚــﻳ ﺖــﺧﺍﺩﺮﭘ ﻑﺮــﺻ ،ﺩﺮــﻴﮔ ﻰﻣ
ﺎــﻫ ﻥﺁ ﺵﺯﺭﺍ ﻭ ﺕﻮــﻓ ﻪﻳﺎﻣﺮــﺳ ﻭ ﻩﺪــﺷ ﻪــﻓﺎﺿﺍ ﺭﺩﺎــﻣ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺑ ﻪــﻛ ﺩﻮــﺷ ﻰﻣ ﺎﻤﺷ ﺪﻣﺁﺭﺩ ﺯﺍ ﺪﻴﻨﻛ ﻰﻣ ﻯﺭﺍﺬﮔ ﻩﺩﺮﭙﺳ ﻪﻛ ﻰﻐﻟﺎﺒﻣ
ﻪــﻛ ﺪــﻳﺪﺟ ﻯﺎﻫ ﺶــﺷﻮﭘ ﺎــﻳ ﺎــﻫ ﻪﻣﺎﻧ ﻪــﻤﻴﺑ ﻦــﻳﺍ .ﺖــﺳﺍ ﻩﺩﻮــﺑ ﺩﻮــﺳ ﻥﺁ ﺎــﺑ ﺐــﺳﺎﻨﺘﻣ -ﻪﻳﺎﻣﺮﺳ ﺩﻮﺳ ﺖﺑﺎﺑ ﺎﻤﺷ ﻞﺑﺎﻘﻣ ﺭﺩ ﻰﻟﻭ ﺩﻮﺸ ﻴﻤﻧ ﺮﺴﻛ
ﻰﺗﺎﻴﻟﺎﻣ ﺭﻮﻣﺍ ﺭﻭﺎﺸﻣ
ﻰﻜــﺷﺰﭘ ﺕﺎــﻨﻳﺎﻌﻣ ﻪــﺑ ﻯﺯﺎــﻴﻧ ﺮــﮕﻳﺩ ﺪﻧﻮــﺷ ﻰﻣ ﻪــﻓﺎﺿﺍ ﺭﺩﺎــﻣ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺑ ﻝﺎــﺳ ﺮــﻫ ﻩﺩﺮﻜﻧ ﺖﺧﺍﺩﺮﭘ ﺕﺎﻴﻟﺎﻣ ،ﺪﻳﺭﻭﺁ ﻰﻣ ﺖﺳﺪﺑ ﻪﻛ ﻯﺭﺍﺬﮔ ﺮﻬﻣﺎﻴﻛ ﻰﻔﻄﺼﻣ
.ﺖــﺷﺍﺩ ﺪــﻨﻫﺍﻮﺨﻧ ﻩﺪــﺷ ﻪــﻤﻴﺑ ﻯﺮــﻳﺬﭘ ﻪــﻤﻴﺑ ﺪــﻴﺋﺎﺗ ﻭ ﺪﺷﺭ ﺕﺎﻴﻟﺎﻣ ﺮﺴﻛ ﻥﻭﺪﺑ ﺎﻤﺷ ﻩﺩﺮﭙﺳ ﻦﻳﺍﺮﺑﺎﻨﺑ ﻭ
ﺪﻴﻧﺍﻮﺘ ﻴﻣ ﺯﺎﻴﻧ ﺕﺭﻮﺻ ﺭﺩ ﺎﻨﻤﺿ .ﺪﻨﻛ ﻰﻣ ﻯﺮﺘﺸﻴﺑ ﻪﺑ ﻯﺮﮕﻳﺩ ﺯﺍﺪﻧﺍ ﺲﭘ ﺏﺎﺴﺣ ﻩﺭﺎﺑﺭﺩ ﻩﺭﺎﻤﺷ ﻦﻳﺍ ﺭﺩ
ﺎــﺑ ﻪــﻤﻴﺑ ﺖﻛﺮــﺷ ،ﺪــﻫﺍﻮﺨﺑ ﻩﺪــﺷ ﻪــﻤﻴﺑ ﺮــﮔﺍ :ﻪﻟﺎــﺳ ﻚــﻳ ﻰــﻧﺎﻣﺯ ﺮــﻤﻋ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺭﻭﺪــﺻ
ﺭﺩﺎــﺻ ﻪﻟﺎــﺳ ﻚــﻳ ﻰــﻧﺎﻣﺯ ﺮــﻤﻋ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻚــﻳ ،ﺩﺮــﻴﮔ ﻰﻣ ﻖــﻠﻌﺗ ﻭﺍ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺑ ﻪــﻛ ﻯﺩﻮــﺳ ﺪﻴﻨﻛ ﺖﺷﺍﺩﺮﺑ ﺍﺭ ﻩﺪﺷ ﺯﺍﺪﻧﺍ ﺲﭘ ﻎﻠﺒﻣ ﻡﺎﻤﺗ ﺎﺗ ﻰﺸﺨﺑ ﻪﺑ ﻪﻛ Tax Free Savings Account ﻡﺎﻧ
ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻚــﻳ ﻼــﺜﻣ .ﺪــﻨﻛ ﻰﻣ ﻪــﻓﺎﺿﺍ ﻝﺎــﺳ ﻥﺎــﻤﻫ ﺭﺩ ﻭﺍ ﻯﺍ ﻪــﻤﻴﺑ ﺶــﺷﻮﭘ ﻪــﺑ ﺍﺭ ﻥﺁ ﻭ ﻩﺩﺮــﻛ ﻩﺩﺮﭙﺳ .ﺩﺮﻛ ﺪﻴﻫﺍﻮﺨﻧ ﺖﺧﺍﺩﺮﭘ ﻰﺗﺎﻴﻟﺎﻣ ﻥﺁ ﺖﺑﺎﺑ ﻭ .ﻢﻴﻨﻛ ﻰﻣ ﺖﺒﺤﺻ ﺩﻮﺷ ﻰﻣ ﻪﺘﻔﮔ TFSA ﺭﺎﺼﺘﺧﺍ
ﺩﻮــﺷ ﻰﻣ ﻪــﻓﺎﺿﺍ ﻭﺍ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺑ ﺭﻻﺩ ﺭﺍﺰــﻫ 100 ﺕﻮــﻓ ﻪﻳﺎﻣﺮــﺳ ﺎــﺑ ﻪﻟﺎــﺳ ﻚــﻳ ﻰــﻧﺎﻣﺯ ﺮــﻤﻋ ﻉﺍﻮﻧﺍ ﺕﺭﻮﺻ ﻪﺑ ﻰﻟﺎﻣ ﻯﺎﻫﺭﺍﺯﺎﺑ ﺭﺩ ﺏﺎﺴﺣ ﻦﻳﺍ ﺭﺩ ﺎﻤﺷ ﻩﺪﺷ ﻰﻓﺮﻌﻣ 2009 ﻝﺎﺳ ﺭﺩ ﺯﺍﺪﻧﺍ ﺲﭘ ﺏﺎﺴﺣ ﻦﻳﺍ
ﻰــﻓﺎﺿﺍ ﺭﻻﺩ ﺭﺍﺰــﻫ 100 ﻥﺁ ،WL ﺕﻮــﻓ ﻪﻳﺎﻣﺮــﺳ ﺮــﺑ ﻩﻭﻼــﻋ ،ﺩﻭﺮــﺑ ﺎــﻴﻧﺩ ﺯﺍ ﻝﺎــﺳ ﻥﺁ ﺭﺩ ﺮــﮔﺍ ﻭ ﻯﺭﺍﺬﮔ ﻪﻳﺎﻣﺮﺳ ﻪﺑﺎﺸﻣ ﺩﺭﺍﻮﻣ ﻭ ﺭﺍﺩﺎﻬﺑ ﻕﺍﺭﻭﺍ ﺎﻳ ﻡﺎﻬﺳ TSFA ﺏﺎﺴﺣ ﻥﻮﻨﻛﺎﺗ ﻪﻛ ﺮﮔﺍ ﻪﺘﺒﻟﺍ .ﺖﺳﺍ ﺭﻻﺩ ﺪﻧﺍﻮﺗ ﻰﻣ ﺍﺩﺎﻧﺎﻛ ﺭﺩ ﻝﺎﺳ ﻩﺪﺠﻫ ﻯﻻﺎﺑ ﺩﺮﻓ ﺮﻫ ﻭ ﺖﺳﺍ
ﻰــﻧﺎﻣﺯ ﺮــﻤﻋ ﻯﺎــﻫ ﻪﻤﻴﺑ ﻯﺎــﻫ ﻰﮔﮋﻳﻭ ﺯﺍ ﺮــﮕﻳﺩ ﻰــﻜﻳ .ﺩﻮــﺷ ﻰﻣ ﺖــﺧﺍﺩﺮﭘ ﻥﺎﮔﺪــﻧﺎﻣﺯﺎﺑ ﻪــﺑ ﺰــﻴﻧ ﺍﺭ ﺩﻮﺧ ﻯﺭﺍﺬﮔ ﻪﻳﺎﻣﺮﺳ ﻉﻮﻧ ﺪﻴﻧﺍﻮﺗ ﻰﻣ ﺎﻤﺷ ﻭ ﺩﻮﺷ ﻰﻣ ﻪﺴﺳﻮﻣ ﺎﻳ ﻚﻧﺎﺑ ﻚﻳ ﺭﺩ ﺍﺭ ﻥﺁ ﻪﻛ ﻥﺎﻣﺯ ﺮﻫ ،ﺪﻳﺍ ﻪﺘﺷﺍﺪﻧ ﺪﻨﻜ ﻴﻣ ﺺﺨﺸﻣ ﺖﻟﻭﺩ ﻪﻛ ﻰﻐﻠﺒﻣ ﻒﻘﺳ ﺎﺗ ﻝﺎﺳ ﺮﻫ
ﻒــﻗﻮﺗ ﺎــﺑ ﻪــﻛ ﺪــﻧﺭﺍﺩ ﻰــﻌﻓﺎﻨﻣ ﺎــﻫ ﻪﻣﺎﻧ ﻪــﻤﻴﺑ ﻦــﻳﺍ ﻪــﻛ ﺖــﺳﺍ ﻦــﻳﺍ ﻩﺩﺮــﻛ ﺏﻮــﺒﺤﻣ ﺍﺭ ﺎــﻫ ﻥﺁ ﻪــﻛ .ﺪﻴﻨﻛ ﺖﻳﺮﻳﺪﻣ ﻭ ﺏﺎﺨﺘﻧﺍ ﻩﺪﺷ ﻡﻼﻋﺍ ﻎﻟﺎﺒﻣ ﻰﻣﺎﻤﺗ ﺪﻴﻧﺍﻮﺗ ﻰﻣ ﺪﻴﻨﻛ ﺡﺎﺘﺘﻓﺍ ﻰﻟﺎﻣ ﻰﺗﺎﻴﻟﺎﻣ ﻯﺎﻫ ﺖﻴﻓﺎﻌﻣ ﺯﺍ ﻭ ﻩﺩﺮﻛ ﺯﺍﺪﻧﺍ ﺲﭘ ﻥﺁ ﺭﺩ ﺍﺭ
Non-forfeiture benefits ﻥﺁ ﻪــﺑ ﻭ ﺪــﻨﻧﺎﻣ ﻰﻣ ﻰــﻗﺎﺑ ﺩﻮــﺧ ﺕﻮــﻗ ﻪﺑ ﻪــﻤﻴﺑ ﻖــﺣ ﺖـﺧﺍﺩﺮﭘ info@pelak52.com ﻪﺑ ﺍﺭ ﺩﻮﺧ ﺕﻻﺍﻮﺌﺳ .ﺪﻴﻨﻛ ﺯﺍﺪﻧﺍ ﺲﭘ ﻥﺁ ﺭﺩ ﺍﺭ ﻥﻮﻨﻛ ﺎﺗ 2009 ﻝﺎﺳ ﺯﺍ .ﺩﺮﺒﺑ ﻩﺮﻬﺑ
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:ﺪﻨﺘﺴﻫ ﺮﻳﺯ ﺩﺭﺍﻮﻣ ﻞﻣﺎﺷ ﻪﺻﻼﺧ ﺕﺭﻮﺻ ﻪﺑ ﻭ ﺩﻮﺷ ﻰﻣ ﻪﺘﻔﮔ .ﻢﺷﺎﺑ ﺎﻬ ﻧﺁ ﻯﻮﮕﺑﺍﻮﺟ ﺖﻗﻭ ﻉﺮﺳﺍ ﺭﺩ ﺎﺗ ﺪﻴﻨﻛ ﻝﺎﺳﺭﺍ ﻪﻛ ﺖﺳﺍ ﻦﻳﺍ RRSP ﺎﺑ ﺏﺎﺴﺣ ﻦﻳﺍ ﺕﻭﺎﻔﺗ ﺎﻣﺍ ﺭﺍﺰﻫ ﺶﺷ ،2020 ﻭ 2019 ﻝﺎﺳ ﻯﺍﺮﺑ ﻎﻠﺒﻣ ﻦﻳﺍ
ﻩﺪﻧﺭﺍﺩ) ﺭﺍﺬــﮔ ﻪــﻤﻴﺑ ﻥﺎــﻣﺯ ﺮــﻫ ﻪــﻛ ﺖــﺳﺍ ﻰــﻐﻠﺒﻣ :(CSV) ﺎــﻳ ﻯﺪــﻘﻧ ﺪــﻳﺮﺧﺯﺎﺑ ﺵﺯﺭﺍ
ﺪــﻨﻛ ﻰﻣ ﺖــﺧﺍﺩﺮﭘ ﻭﺍ ﻪــﺑ ﺮــﮔ ﻪــﻤﻴﺑ ،ﺪــﻫﺪﺑ ﺲــﭘ ﺍﺭ ﺩﻮــﺧ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺪــﻫﺍﻮﺨﺑ (ﻪــﻣﺎﻧ ﻪــﻤﻴﺑ
.ﺩﻮــﺷ ﻰﻣ ﺩﺎــﻳﺯ ﺞــﻳﺭﺪﺗ ﻪــﺑ ﻭ ﺖــﺳﺍ ﻢــﻛ ﻝﻭﺍ ﻯﺎﻫ ﻝﺎــﺳ ﺭﺩ ﻭ ﺎﻧﻭﺮﻛ ﻪﻧﺍﺮﻛ ﺯﺍ
ﺮــﻤﻋ ﻯﺎــﻫ ﻪﻣﺎﻧ ﻪــﻤﻴﺑ ﺮﺘــﺸﻴﺑ ﺭﺩ :(APL) ﺎــﻳ ﻪــﻤﻴﺑ ﻖــﺣ ﺖــﺧﺍﺩﺮﭘ ﺭﺎﻛﺩﻮــﺧ ﻡﺍﻭ
ﻰﻧﺎﻬﺟ ﺕﻻﻮﺤﺗ ﻖﻤﻋ ﺎﺗ
ﺪــﻧﺍﻮﺘﻧ ﺎــﻳ ﺪــﻨﻛ ﺵﻮــﻣﺍﺮﻓ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻩﺪــﻧﺭﺍﺩ ﺮــﮔﺍ ﻪــﻛ ﻩﺪــﺷ ﻩﺪﻴﺠﻨــﺳ ﻥﺎﻜــﻣﺍ ﻦــﻳﺍ ﻰــﻤﺋﺍﺩ
ﻪــﺑ ﻡﺍﻭ CSV ﻞــﺤﻣ ﺯﺍ ﺮــﮔ ﻪــﻤﻴﺑ ﺭﺎﻛﺩﻮــﺧ ﺕﺭﻮــﺻ ﻪــﺑ ،ﺪــﻨﻛ ﺖــﺧﺍﺩﺮﭘ ﺍﺭ ﻪــﻤﻴﺑ ﻖــﺣ ﻥﺪﺷ ﻢﻛ ﻭ ﺮﻴﻴﻐﺗ ﻝﺎﺣ ﺭﺩ ﻡﺍﻭ ﻥﺎﮔﺪﻨﻨﻛ ﺖﺳﺍﻮﺧﺭﺩ ﻻﺎﻤﺘﺣﺍ ،ﻦﻜﺴﻣ ﺵﻭﺮﻓ ﻭ ﺪﻳﺮﺧ ﺭﺍﺯﺎﺑ ﻭ ﻦﻜﺴﻣ ﻡﺍﻭ
ﺪــﻨﻛ ﻰﻣ ﻚــﻤﻛ ﻪﻟﺎــﺴﻣ ﻦــﻳﺍ .ﺪــﻨﻛ ﻰﻣ ﻪﻳﻮــﺴﺗ ﺍﺭ ﻪــﻤﻴﺑ ﻖــﺣ ﻭ ﺪــﻨﻫﺩ ﻰﻣ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺖﺣﻼﻣ ﻕﺎﻔﺗﺍ ﻪﺑ ﺖﻨﺴ ُ ﺣ ،ﻥﺍﺭﺍﺪﻳﺮﺧ ﻯﺍﺮﺑ ﻭ ﺖﺳﺍ .ﺩﺍﺩ ﺪﻫﺍﻮﺧ ﻥﺎﺸﻧ ﺍﺭ ﺩﻮﺧ ﺮﻴﺛﺎﺗ ،ﺮﻴﺧﺎﺗ ﺎﺑ ﺝﻮﻣ ﻦﻳﺍ
ﻡﺍﻭ ﻭ ﻙﻼﻣﺍ ﺱﺎﻨﺷﺭﺎﻛ
ﺎــﻫ ﻡﺍﻭ ﻦــﻳﺍ .ﺪــﻧﺎﻤﺑ ﻰــﻗﺎﺑ ﺮــﺒﺘﻌﻣ ﻩﺪــﺷ ﻪــﻤﻴﺑ ﻯﺍﺮــﺑ CSV ﻒﻘــﺳ ﺎــﺗ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﻛ .ﺖﻓﺮﮔ ﻥﺎﻬﺟ ﻪﻛ ﺍﺩﺎﻧﺎﻛ ﻰﻜﻧﺎﺑ ﻩﺮﻬﺑ ،ﺪﻘﻧ ﻪﺑ ﺖﺳﺩ ﻥﻻﺍ ﻦﻴﻤﻫ ﺎﺗ
ﺯﺍﺮﻤﻫ ﻡﺍﺮﻬﺷ
ﺪــﺷﺎﺑ ﻪﺘــﺷﺍﺪﻧ ﺍﺭ ﻪــﻤﻴﺑ ﻖــﺣ ﺖــﺧﺍﺩﺮﭘ ﻥﺍﻮــﺗ CSV ﺮــﮕﻳﺩ ﻪــﻛ ﻰــﻧﺎﻣﺯ ﺎــﺗ ﺪــﻨﻧﺍﻮﺗ ﻰﻣ ﺮﺗ ﻢﻬﻣ ﻭ ﻦﻜﺴﻣ ﺵﻭﺮﻓ ﻭ ﺪﻳﺮﺧ ﻪﻛ ﺖﺳﺍ ﻥﺁ ﺖﻴﻌﻗﺍﻭ ﻩﺪﻧﺎﻣ ﺖﺑﺎﺛ ،ﺎﻫ ﻝﺎﺳ ﺎﺒﻳﺮﻘﺗ ،ﻢﻨﻛ ﺽﺮﻋ ﻪﭼ ﻪﻛ ﺎﻫ ﻩﺎﻣ
.ﺩﻮــﺷ ﻰﻣ ﻞــﻃﺎﺑ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻩﺎــﻣ ﻚــﻳ ﻰــﻃ ﻥﺁ ﺯﺍ ﺲــﭘ ﻭ ﺪــﻨﻨﻛ ﺍﺪــﻴﭘ ﻪــﻣﺍﺩﺍ ﺯﺍ ،ﻦﻜﺴﻣ ﺯﺎﺳ ﻭ ﺖﺧﺎﺳ ﺎﺑ ﻂﺒﺗﺮﻣ ﻞﻏﺎﺸﻣ ﻥﺁ ﺯﺍ ﺮﻳﺯﻭ ﻪﺘﺨﻳﺮﮔ ﻭ ﻪﺘﺴﺟ ﻯﺎﻬ ﻳﺮﮔ ﻩﻮﺸﻋ ﻪﺑ ﺎﻬﻨﺗ ﻭ ﺩﻮﺑ ﻢﻫ ﻪﺑ ﺭﺪﻗ ﻥﺁ ﺎﻴﻧﺩ ﻦﻳﺍ ﻪﻛ ﺩﺮﻛ ﻰﻣ ﺮﻜﻓ ﻰﺴﻛ ﻪﭼ
ﻪــﻤﻴﺑ ﻖــﺣ ﺖــﺧﺍﺩﺮﭘ ﺪــﻧﺍﻮﺘﻧ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻩﺪــﻧﺭﺍﺩ ﺮــﮔﺍ :ﺮــﺘﻤﻛ ﺕﺍﺪــﻬﻌﺗ ﺎــﺑ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺮﻫ ﺭﺩ ﻭ ﺖﺳﺍ ﻰﻟﺎﻤﺷ ﻯﺎﻜﻳﺮﻣﺁ ﺭﺩ ﻞﻏﺎﺸﻣ ﻦﻳﺮﺗ ﻢﻬﻣ ﺮﻴﻴﻐﺗ ﺩﺎﺠﻳﺍ ﻥﻭﺪﺑ ،ﻯﺰﻛﺮﻣ ﻚﻧﺎﺑ ﺲﻴﻳﺭ ﻭ ﺍﺩﺎﻧﺎﻛ ﻰﻟﺎﻣ ﺵﺎﻔﺧ ﻥﺩﺭﻮﺧ ﻪﻛ ﺪﺷﺎﺑ ﻩﺪﻴﻨﺗ ﻢﻫ ﺭﺩ ﻭ ﻂﺒﺗﺮﻣ
ﻩﺩﺎﻔﺘــﺳﺍ ﻪــﻨﻳﺰﮔ ﻦــﻳﺍ ﺯﺍ ﺪــﻧﺍﻮﺗ ﻰﻣ ،ﺪــﺷﺎﺑ ﻪﺘــﺷﺍﺩ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺪــﻫﺍﻮﺨﺑ ﻰــﻟﻭ ﺪــﻫﺩ ﻪــﻣﺍﺩﺍ ﺍﺭ ﺯﺍ ﺖﻳﺎﻤﺣ ﻪﺑ ﻡﺰﻠﻣ ﺍﺭ ﺩﻮﺧ ﺎﻬ ﺘﻟﻭﺩ ،ﺰﻴﻧ ﻰﻟﺎﻣ ﻥﺍﺮﺤﺑ ﺶﻫﺎﻛ ﺪﺻﺭﺩ ﻢﻴﻧ ﻪﻧﺎﺒﺷ ،ﺪﺷ ﻰﻣ ﺩﻭﺪﺤﻣ ،ﻰﻠﻤﻋ ﺎﻳ ﻰﺘﺳﺭﺩ ﺩﺭﻮﻣ ﺭﺩ ﻰﺗﻭﺎﻀﻗ ﭻﻴﻫ ﻥﻭﺪﺑ ،ﻦﻴﭼﺎﻣ ﺭﺩ
ﻥﺁ CSV ﺎــﺑ ﺐــﺳﺎﻨﺘﻣ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺕﺍﺪــﻬﻌﺗ ﻭ ﺕﻮــﻓ ﻪﻳﺎﻣﺮــﺳ ﺕﺭﻮــﺻ ﻦــﻳﺍ ﺭﺩ .ﺪــﻨﻛ ﻦﻴﻤﻫ ﻝﺎﻤﻋﺍ ﻞﻴﻟﺩ ﻪﺑ ،ﻪﻧﺎﺘﺨﺒﺷﻮﺧ .ﺪﻧﺍ ﻪﺘﺴﻧﺍﺩ ﻥﺁ ،ﺖﺷﻮﻨﻧ ﻖﺸﻣ ﻭ ﺖﻓﺮﻧ ﺐﺘﻜﻣ ﻪﺑ ﻪﻛ ﻦﻣ ﺭﺎﮕﻧ .ﺖﻓﺎﻳ ﺭﺩ ﻢﺠﺣ ﻦﻳﺍ ﺎﺑ ﻯﺮﻴﻴﻐﺗ ﺪﻧﺍﻮﺘﺑ ،ﻞﻤﻋ ﻦﻳﺍ ﻰﺘﺳﺭﺩﺎﻧ
.ﺪــﺷ ﻰﻣ ﻪﻳﻮــﺴﺗ CSV ﻂــﺳﻮﺗ ﺎــﺟ ﻚــﻳ ﻪــﻤﻴﺑ ﻖــﺣ ﻞﻛ ﻭ ﻩﺩﺮــﻛ ﺍﺪــﻴﭘ ﺶــﻫﺎﻛ ﺭﺍﺯﺎﺑ ﺯﺍ ﻯﺮﺗ ﻦﻣﺍ ﺭﺍﺯﺎﺑ ،ﺍﺩﺎﻧﺎﻛ ﻡﺍﻭ ﺭﺍﺯﺎﺑ ،ﺖﺴﺗ ﺱﺮﺘﺳﺍ ﺭﺩ ﻞﻗﺍﻻ ﺎﻣﺍ !ﺪﺷ ﺱﺭﺪﻣ ﺪﺻ ﺯﻮﻣﺁ ﻪﻠﺌﺴﻣ ﻩﺰﻤﻏ ﻪﺑ ﻰﻳﺎﻬﻨﺗ ﻪﺑ 2020 چﺭﺎﻣ ﻢﻫﺩ ﺯﻭﺮﻣﺍ ؟ﺪﻨﻛ ﺩﺎﺠﻳﺍ ﺎﻴﻧﺩ
ﺪــﻨﻛ ﺖــﺧﺍﺩﺮﭘ ﺍﺭ ﻪــﻤﻴﺑ ﻖــﺣ ﺪــﻧﺍﻮﺘﻧ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻩﺪــﻧﺭﺍﺩ ﺮــﮔﺍ :ﻰــﻧﺎﻣﺯ ﺮــﻤﻋ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪﻛ ﻯﺮﮕﻳﺩ ﺩﺭﺍﻮﻣ ﻪﺑ ﻯﺪﻌﺑ ﻯﺎﻫ ﻩﺭﺎﻤﺷ ﺭﺩ .ﺖﺳﺎﻜﻳﺮﻣﺁ ﻯﺍﺮﺑ ﻢﻫ ﻰﺘﺻﺮﻓ ،ﺭﺎﻜﺑﺎﻧ ﺱﻭﺮﻳﻭ ﻦﻳﺍ ،ﺕﺪﻣ ﻩﺎﺗﻮﻛ ﺭﻻﺩ ﻥﻮﻴﻠﻳﺮﺗ ﻩﺩ ﻪﺑ ﻚﻳﺩﺰﻧ ،ﻰﻟﺎﻤﺷ ﻯﺎﻜﻳﺮﻣﺁ ﺭﺍﺯﺎﺑ ﺭﺩ
ﻞــﻳﺪﺒﺗ ﻪﻟﺎــﺳ 10 ﻼــﺜﻣ ﻰــﻧﺎﻣﺯ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻪــﺑ ﺍﺭ ﺩﻮــﺧ ﺮــﻤﻋ ﻡﺎــﻤﺗ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﺪــﻧﺍﻮﺗ ﻰﻣ ﻩﺭﺎﺷﺍ ﺖﺳﺎﻜﻳﺮﻣﺁ ﻪﺑ ﺍﺩﺎﻧﺎﻛ ﻦﻜﺴﻣ ﺭﺍﺯﺎﺑ ﺰﻳﺎﻤﺗ ﺚﻋﺎﺑ ،ﺮﺘﻤﻛ ﻩﺮﻬﺑ ﺎﺑ ﺎﺗ ﺩﺭﻭﺁ ﺪﻫﺍﻮﺧ ﻢﻫﺍﺮﻓ ﻦﻜﺴﻣ ﻥﺍﺭﺍﺪﻳﺮﺧ ﻦﻳﺍ .ﺖﺴﻴﻧ ﺯﻭﺮﻣﺍ ﺯﺍ ﺮﺗ ﻦﺌﻤﻄﻣ ﻢﻫ ﺍﺩﺮﻓ ،ﺪﺷ ﺮﻴﺨﺒﺗ
ﻭ ﺕﻮــﻓ ﻪﻳﺎﻣﺮــﺳ .ﺪــﻨﻛ ﻩﺩﺎﻔﺘــﺳﺍ ﻪــﻤﻴﺑ ﻖــﺣ ﻯﺎــﺟ ﻚــﻳ ﺖــﺧﺍﺩﺮﭘ ﻯﺍﺮــﺑ CSV ﺯﺍ ﻭ ﻩﺩﺮــﻛ .ﺩﺮﻛ ﻢﻫﺍﻮﺧ ﺮﻴﻴﻐﺗ ﺎﺿﺎﻘﺗ ﻭ ﻪﺘﺷﺍﺩ ﻯﺮﺘﺸﻴﺑ ﻡﺍﻭ ﺖﻓﺎﻳﺭﺩ ﻰﻳﺎﻧﺍﻮﺗ ﺐﻧﺍﻮﺟ ﻡﺎﻤﺗ ﺭﺩ ﺪﻳﺩﺮﺗ ﻥﻭﺪﺑ ،ﻡﺎﻬﺳ ﺮﺘﺳﺎﻛ ﺮﻟﻭﺭ ﺭﺍﺯﺎﺑ
.ﺩﻮــﺑ ﺪــﻫﺍﻮﺧ CSV ﻎــﻠﺒﻣ ﻭ ﻦــﺳ ﺎــﺑ ﺐــﺳﺎﻨﺘﻣ ﻪــﻣﺎﻧ ﻪﻤﻴﺑ ﻦــﻳﺍ ﻥﺎــﻣﺯ ﺕﺪــﻣ .ﺪﻴﺷﺎﺑ ﺭﻭﺩ ﻪﺑ ﺎﻧﻭﺮﻛ ﺯﺍ ﻊﻔﻧ ﻪﺑ ﺰﻴﻧ ﻥﺁ ﻝﻮﻣﺮﻓ ﻭ ﺖﺴﺗ ﺱﺮﺘﺳﺍ ،ﻰﻓﺮﻃ ﺯﺍ .ﺪﺑﺎﻳ ﺩﺭﻮﻣ ﺭﺩ ﺎﻣﺍ .ﺖﺷﺍﺩ ﺪﻫﺍﻮﺧ ﺮﻴﺛﺎﺗ ﻰﻟﺎﻣ ﻭ ﻯﺩﺎﺼﺘﻗﺍ
THE RIGHT MOVE ﺪﺷ ﻉﻮﻨﻤﻣ ﺪﻘﻧ ﻝﻮﭘ ﺖﺧﺍﺩﺮﭘ ﻭ ﺖﻓﺎﻳﺭﺩ ﻥﺍﺮﻳﺍ ﺭﺩ
FRIENDS MOVING
،ﻩﺩﺍﻮــﻧﺎﺧ ﺩﺍﺮــﻓﺍ ﻦــﻴﺑ ﺱﺎﻨﻜــﺳﺍ ﻥﺪــﺷ ﻝﺪــﺑ ﻭ ﺩﺭ ﻖــﻳﺮﻃ ﺯﺍ ﺭﻮــﺸﻛ ﻰــﻜﻧﺎﺑ ﻡﺎــﻈﻧ ﻪــﺑ ﻯﺍ ﻪــﻴﻧﺎﻴﺑ ﻰــﻃ ﻥﺍﺮــﻳﺍ ﻯﺰــﻛﺮﻣ ﻚــﻧﺎﺑ
ﻰــﻧﺎﻳﺎﭘ ﻯﺎــﻫﺯﻭﺭ ﺭﺩ ﻮــﻧ ﺱﺎﻨﻜــﺳﺍ ﻊــﻳﺯﻮﺗ ،ﻥﺎﻳﺎﻨــﺷﺁ ﻭ ﻥﺎﺘــﺳﻭﺩ ﺎــﺑ ﻪــﻛ ﺍﺮــﭼ ﺪــﻨﻨﻜﻧ ﻊــﻳﺯﻮﺗ ﻮــﻧ ﺱﺎﻨﻜــﺳﺍ ﻪــﻛ ﺩﺮــﻛ ﻍﻼــﺑﺍ
ﻩﺩﻮــﺑ ﻉﻮــﻨﻤﻣ ﺎــﻫ ﻚﻧﺎﺑ ﻪــﻧﺍﺰﺧ ﻭ ﺐﻌــﺷ ﺭﺩ ﻮــﺤﻧ ﺮــﻫ ﻪــﺑ ﻝﺎــﺳ ﺮــﻫ ﻉﻮﻴــﺷ ﺯﺍ ﺪــﻳﺎﺑ ﺎــﻧﻭﺮﻛ ﻯﺭﺎــﻤﻴﺑ ﻩﺩﺮﺘــﺴﮔ ﻉﻮﻴــﺷ ﻪــﺑ ﻪــﺟﻮﺗ
ﻡﺩﺮــﻣ ﻡﻮــﻤﻋ ﻪــﺑ ﻰــﻀﺘﻘﻣ ﻕﺮــﻃ ﺯﺍ ﻉﻮــﺿﻮﻣ ﻦــﻳﺍ ﺖــﺳﺍ ﻡﺯﻻ ﻭ ﻯﺰــﻛﺮﻣ ﻚــﻧﺎﺑ .ﺩﻮــﺷ ﻯﺮــﻴﮔﻮﻠﺟ ﻯﺭﺎــﻤﻴﺑ ﻦــﻳﺍ ﺮﺘــﺸﻴﺑ ﻪــﭼ
ﻭ ﺖــﻓﺎﻳﺭﺩ ﺯﺍ ﺖــﺴﻳﺎﺑ ﻰﻣ ﺎــﻫ ﻚﻧﺎﺑ ﺐﻌــﺷ .ﺩﻮــﺷ ﻰﻧﺎــﺳﺭ ﻉﻼــﻃﺍ ﺯﺍ ﻯﺩﺍﺪــﻌﺗ ﻦــﻴﻨﭽﻤﻫ ﻪــﻛ ﺖــﺳﺍ ﻩﺩﺍﺩ ﺭﻮﺘــﺳﺩ ﺎــﻫ ﻚﻧﺎﺑ ﻪــﺑ
ﻚــﭼ ﻥﺍﺮــﻳﺍ ،ﺱﺎﻨﻜـ ـﺳﺍ ﺯﺍ ﻢــﻋﺍ ﺪــﻘﻧ ﻪــﺟﻭ ﻪــﻧﻮﮔ ﺮــﻫ ﺖــﺧﺍﺩﺮﭘ ﻰــﻜﻴﻧﻭﺮﺘﻜﻟﺍ ﺕﺎــﻣﺪﺧ ﻯﺍﺮــﺑ ﻂــﻘﻓ ﺯﺍﺩﺮــﭘﺩﻮﺧ ﻯﺎﻫ ﻩﺎﮕﺘــﺳﺩ
ﺖــﻓﺎﻳﺭﺩ ﻪــﺑ ﻰــﺗﺭﻭﺮﺿ ﻪــﭽﻧﺎﻨﭼ ﻭ ﻩﺩﻮــﻤﻧ ﺏﺎــﻨﺘﺟﺍ ﻙﻮﻜــﺴﻣ ﻭ ﻰــﻧﻮﻔﻋﺪﺿ ﺰــﻴﻧ ﺎﻫ ﻩﺎﮕﺘــﺳﺩ ﻦــﻳﺍ ﻪــﻜﻧﺁ ﻦــﻤﺿ ﺪــﺑﺎﻳ ﺹﺎــﺼﺘﺧﺍ
ﻝﻮــﺻﺍ ﻞــﻣﺎﻛ ﺖــﻳﺎﻋﺭ ﺎــﺑ ﺖــﺷﺍﺩ ﺩﻮــﺟﻭ ﻥﺎﻳﺮﺘــﺸﻣ ﺯﺍ ﻩﻮــﺟﻭ ﻩﺩﺎﻔﺘــﺳﺍ ﺖﻨــﺳ ﻭ ﺯﻭﺭﻮــﻧ ﻡﺎــﻳﺍ ﺖﺒــﺳﺎﻨﻣ ﻪــﺑ ﻪﻟﺎــﺳ ﻪــﻤﻫ .ﺪﻧﻮــﺷ
،ﻪﻣﺎﻨــﺸﺨﺑ ﻦــﻳﺍ ﻖــﺒﻃ .ﺩﺩﺮــﮔ ﻡﺍﺪــﻗﺍ ﻰﺘــﺷﺍﺪﻬﺑ ﻩﺪــﺷ ﺪــﻴﻛﺎﺗ ،ﻰــﻧﺍﺮﻳﺍ ﻯﺎــﻫﺭﺍﻮﻧﺎﺧ ﻦــﻴﺑ ﺭﺩ ﻯﺪــﻴﻋ ﻥﺍﻮــﻨﻌﺑ ﺱﺎﻨﻜــﺳﺍ ﺯﺍ
WE PROVIDE 24/7 SERVICE ﺖــﻳﺎﻋﺭ ﺎــﺑ ﺪــﻳﺎﺑ ﺎــﻫ ﻚﻧﺎﺑ ﻪــﻧﺍﺰﺧ ﻪــﺑ ﻰــﺘﻓﺎﻳﺭﺩ ﻩﻮــﺟﻭ ﻝﺎــﻘﺘﻧﺍ ﻡﺩﺮــﻣ ﻡﻮــﻤﻋ ﻦــﻴﺑ ﺭﺩ ﻮــﻧ ﺱﺎﻨﻜــﺳﺍ ﻊــﻳﺯﻮﺗ ﻪــﺑ ﻡﺍﺪــﻗﺍ ﺎــﻫ ﻚﻧﺎﺑ
ﻥﺩﺮــﻛ ﺭﺎﻤــﺷ ﺭﺎــﺑﻭﺩ ﺯﺍ ﻭ ﺩﺮــﻴﮔ ﺕﺭﻮــﺻ ﻰــﻃﺎﻴﺘﺣﺍ ﺐــﻧﺍﻮﺟ ﻡﺎــﻤﺗ ﻑﺪــﻫ ﺎــﺑ ﻭ ﺮــﺿﺎﺣ ﻝﺎــﺣ ﻂﻳﺍﺮــﺷ ﻪــﺑ ﻪــﺟﻮﺗﺎﺑ ﻪــﻛ ﺪــﻨﻳﺎﻤﻧ ﻰﻣ
.ﺩﻮــﺷ ﻯﺭﺍﺩﺩﻮــﺧ ﺍﺪــﺟ ﺎــﻫ ﻪﻧﺍﺰﺧ ﻥﺎــﻨﻛﺭﺎﻛ ﻂــﺳﻮﺗ ﻥﺁ ﻯﺍﺮــﺑ ﻩﺪــﺷ ﺩﺎــﺠﻳﺍ ﺕﺎــﻌﻤﺠﺗ ﺭﺩ ،ﻯﺭﺎــﻤﻴﺑ ﻝﺎــﻘﺘﻧﺍ ﺯﺍ ﻯﺮــﻴﮔﻮﻠﺟ
ﻚﻧﺎﺑ ﺭﺎﺒﺧﺍ : ﻊﺒﻨﻣ ﻯﺭﺎــﻤﻴﺑ ﺵﺮﺘــﺴﮔ ﺮــﻄﺧ ﻦــﻴﻨﭽﻤﻫ ﻭ ﻮــﻧ ﺱﺎﻨﻜــﺳﺍ ﺖــﻓﺎﻳﺭﺩ
ﻪﻜﺳ ﻚﻳ ﻯﻭﺭ ﻭﺩ
ﻰﻜﻧﺎﺑ ﻩﺮﻬﺑ ﺥﺮﻧ ﺶﻫﺎﻛ ﻥﺎﮔﺪﻧﺯﺎﺑ ﻭ ﻥﺎﮔﺪﻧﺮﺑ
،ﻪﺘــﺴﺸﻧﺯﺎﺑ ﻯﺎــﻫ ﻰﻳﺍﺩﺎﻧﺎﻛ ﻯﺍﺮــﺑ ﺎــﻣﺍ ﺍﺩﺎــﻧﺎﻛ ﻯﺰــﻛﺮﻣ ﻚــﻧﺎﺑ ﺮــﻴﺧﺍ ﻢــﻴﻤﺼﺗ
ﻪــﺑ ﺪــﻧﺍﻮﺗ ﻰﻣ ﺥﺮــﻧ ﺶــﻫﺎﻛ ﻦــﻳﺍ ،ﻰــﻜﻧﺎﺑ ﻩﺮــﻬﺑ ﻡﺍﻭ ﺥﺮــﻧ ﺶــﻫﺎﻛ ﺮــﺑ ﻰﻨﺒﻣ
ﺍﺮــﻳﺯ ﺩﻮــﺷ ﺮــﺠﻨﻣ ﺪــﻣﺁﺭﺩ ﻭ ﺯﺍﺪــﻧﺍ ﺲﭘ ،ﻥﺎﮔﺪــﻧﺮﺑ .ﺩﺭﺍﺩ ﻰــﻧﺎﮔﺪﻧﺯﺎﺑ ﻭ ﻥﺎﮔﺪــﻧﺮﺑ
ﻯﺎﻫ ﺏﺎــﺴﺣ ﻪــﺑ ﻦــﻴﻳﺎﭘ ﺥﺮــﻧ ﻦــﻳﺍ ﺎــﻫ ﻚﻧﺎﺑ ﺯﺍ ﻰــﻋﻮﻧ ﻪــﺑ ﻪــﻛ ﺪﻨﺘــﺴﻫ ﻰﻧﺎــﺴﻛ
تعاس ره تعاس ره تعاس ره ﻭ GIC ،ﺮــﺗﻻﺎﺑ ﺩﻮــﺳ ﺎــﺑ ﺯﺍﺪــﻧﺍ ﺲــﭘ .ﺪــﻧﺍ ﻩﺩﺮﻛ ﺖــﻓﺎﻳﺭﺩ ﻡﺍﻭ ﻰــﻟﺎﻣ ﺕﺎــﺴﺳﻮﻣ ﻭ
یبناج یاه هنیزه نودب یبناج یاه هنیزه نودب یبناج یاه هنیزه نودب ﻢــﻛ ﻯﺭﺍﺬﮔ ﻪﻳﺎﻣﺮــﺳ ﻯﺎﻫ ﺏﺎــﺴﺣ ﺮﻳﺎــﺳ ﺯﺍﺪــﻧﺍ ﺲﭘ ﺭﻻﺩ 1380 ﻝﺎــﺳ ﻝﻮــﻃ ﺭﺩ ﻰــﻳﺍﺩﺎﻧﺎﻛ ﺎــﻫ ﻥﻮﻴﻠﻴﻣ ﻞﻣﺎــﺷ ﻥﺎﮔﺪــﻧﺯﺎﺑ ﺎــﻣﺍ
نویماک + هرفن ود میت نویماک + هرفن هس میت نویماک + هرفن راهچ میت ﻞــﻳﺪﺒﺗ ﻪــﺿﺮﻗ ﻕﺍﺭﻭﺍ ﻉﺍﻮــﻧﺍ ﺪــﻨﻧﺎﻣ ﺮــﻄﺧ ﻡﺍﻭ ﻯﺍﺮــﺑ ﻦــﻴﻨﭽﻤﻫ .ﺩﺮــﻛ ﺪــﻫﺍﻮﺧ .ﺩﻮــﺷ ﻰﻣ ﻪﺘــﺴﺸﻧﺯﺎﺑ
ﺮــﺑ .ﺩﻮــﺷ ﻰــﻣ ﻞــﻘﺘﻨﻣ ﺖــﺑﺎﺛ ﺪــﻣﺁﺭﺩ ﺎــﺑ ﻡﺍﻭ ﺱﺮﺘــﺳﺍ ﺖــﺴﺗ ،ﺪــﻳﺪﺟ ﻥﺎﮔﺪــﻧﺮﻴﮔ ﺖﻳﺎــﺳ ﻪــﻛ ﻯﺍ ﻪــﺴﻳﺎﻘﻣ ﺱﺎــﺳﺍ ﺮــﺑ
ﺪــﻣﺁﺭﺩ ﻪــﻛ ﻰﻧﺎﮕﺘــﺴﺸﻧﺯﺎﺑ ﺱﺎــﺳﺍ ﻦــﻳﺍ ﻰــﻨﻴﺑ ﺶﻴﭘ ﻭ ﻩﺪــﺷ ﺮﺗ ﻥﺎــﺳﺁ ﻦﻜــﺴﻣ ﺮــﮔﺍ ،ﺖــﺳﺍ ﻩﺩﺍﺩ ﻡﺎــﺠﻧﺍ Ratehub
ﻯﺭﺍﺬﮔ ﻪﻳﺎﻣﺮــﺳ ﻯﺎــﻫ ﻕﻭﺪﻨﺻ ﺖــﺑﺎﺛ ﺪــﺟﺍﻭ ﻯﺍﺮــﺑ ﺯﺎــﻴﻧ ﺩﺭﻮــﻣ ﺥﺮــﻧ ﺩﻮــﺷ ﻰــﻣ ﻰــﺒﻳﺮﻘﺗ ﺵﺯﺭﺍ ﺎــﺑ ﻯﺍ ﻪــﻧﺎﺧ ﻰﺼﺨــﺷ
MEHDI: 604-345-3726 - NIMA: 604-727-2052 ﺪﻨﺘــﺴﻫ ﻰــﻜﺘﻣ ﺩﻮــﺧ ﻰﮕﺘــﺴﺸﻧﺯﺎﺑ ﺯﺍ ،ﺱﺮﺘــﺳﺍ ﺖــﺴﺗ ﺭﺩ ﻥﺩﻮــﺑ ﻂﻳﺍﺮــﺷ ﺶــﻴﭘ ﺪــﺻﺭﺩ 10 ﺎــﺑ ﺍﺭ ﺭﻻﺩ 500،000
Info@friendsmoving.ca friendsmoving.ca ﻥﺎــﻳﺮﺟ ﻪــﻛ ﺪﻨــﺷﺎﺑ ﻪﺘــﺷﺍﺩ ﺭﺎــﻈﺘﻧﺍ ﺪــﻳﺎﺑ ﺪــﺻﺭﺩ 4.59 ﻪــﺑ ،ﻰــﻠﻌﻓ ﺪــﺻﺭﺩ 5.19 ﺶــﻫﺎﻛ ﺎــﺑ ،ﺪــﺷﺎﺑ ﻩﺪــﻳﺮﺧ ﺖــﺧﺍﺩﺮﭘ
.ﺪــﺑﺎﻳ ﺶــﻫﺎﻛ ﺎــﻬﻧﺁ ﻪــﻧﺎﻫﺎﻣ ﻯﺪــﻘﻧ .ﺪــﺑﺎﻳ ﺶــﻫﺎﻛ ﻭ 115 ﻩﺎــﻣ ﺮــﻫ ﻝﻮــﻃ ﺭﺩ ﻩﺮــﻬﺑ ﺥﺮــﻧ
