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THE CITIZEN, WEDNESDAY, APRIL 19, 1995. PAGE 17.
Knox junior choir entertains The last frontier
Financial planning for women
By Linda Henhoeffer
Financial Advisor
You've come a long way, baby! At the beginning of this century,
women could not vote. Today, we make up 51 per cent of the voting
population, we are starting businesses at three times the rate that men are
and we buy 40 per cent of all cars!
In the 1990s, women are earning money and spending money.
Politicians, real estate agents and car salesmen all pay special attention to
female consumers.
The last frontier for women is investing their money well for long term
goals, such as for their retirement! Women are excellent at budgeting the
family expenses, like grocery shopping, finding bargains and sales. We
also are good at saving for short term goals. Buying Canada Savings
Bonds on the payroll deduction plan and then cashing the bonds for
Christmas gifts is very common.
So, women are pros at budgeting and short term savings. The area of
long term investments is a different matter. Why is this a concern?
The average age for a Canadian widow is 56. The average life insurance
settlement is $15,000. A woman's life expectancy is age 78. So, a widow
can expect to live on her own for 22 years. Is widowhood a good time to
learn about investments?
One in three women retires today in poverty. Only 20 per cent of
women filing tax returns in 1991 contributed to their RRSP. Less than
half of all working women in 1992 belonged to a company pension plan.
For men, the number is 52 per cent.
Will you be old and poor? If that thought scares you, then that is good.
'Fear' is an excellent motivator. Most of us run the fastest when we are
being chased by a bear.
The first step in conquering this last frontier is to examine our hangups
about money. We have this mistaken belief that only men are born with
the ability to fix cars and that they know everything about money.
Women, on the other hand, are assumed to instinctively know all about
babies and cooking. Also, money is seen as 'power' and women have been
taught it is not ladylike to have power, or to seek power.
Once we have 'house cleaned' our old ways of thinking about money,
we can move forward to the next step. How do we take control of our
financial futures? Learning the language of financial terms is a good
starting point. What is an RRSP, mutual fund, dividend, capital gain?
What is the difference between term, whole and universal life insurance?
Fortunately, the financial planning industry is finally realizing that
women have different needs from men. We are starting to pay special
attention to women investors.
Several good financial planning books have been written recently by
women for women. Joanne Yaccato's book, "The Balancing Act", is an
excellent book to learn the basics of financial planning
As well as books, there are videos such as the Trimark mutual fund
company's video called Investing in Yourself. Trimark has also put
together a booklet called "Appreciating Your Worth" which explains
mutual funds and details basic financial plans. Simple net worth
statements and cash flow worksheets are included.
The challenge for women in the 1990s is to conquer the last frontier,
that is, to take control of our financial futures. Happy 'house cleaning'!
Continued from page 9
Co-op.
The junior choir sang the introit
under the direction of Mrs.
Worsell. The invitation to worship
was read alternately and the
opening chorus Was sung. Hymn
Jesus Christ Is Risen Today was
sung.
The junior choir sang an anthem.
Rev. Ross gave the prayers,
followed by the choral response.
He then had conversation with the
children which was followed by the
children's chorus.
Hymn He Lives was sung.
The scriptures were read follow-
ed by hymn Because He Lives.
Rev. Ross's sermon was "What a
Glorious Day!" Prayers for Easter
were given followed by The Lord's
Prayer in unison.
The offering was received by
Larry Plaetzer and Bob Worsell
and dedicated with song. Hymn
Thine Is The Glory was sung.
Rev. Ross pronounced the
Benediction and the singing of
Amens concluded the service.
Twenty-eight people played
E The news from
thel
19911004f7y.mggamk10.0.4109,9,p110e.;487125ol
48 play euchre
Helen Cullen, Isabel Pearson,
Joan Smith hosted 12 tables of
euchre Monday evening at the
Ethel Hall.
Winners were: 50/50, Velma
Sleightholm; most lone hands, Ha-
zel McKenzie, Jim McGuillawee,
Walter Harrifield, Aileen Mann;
high lady, Ruby Armstrong; high
man, Jim Smith; low lady, Gertie
Lambkin; low man, Bob Bateman,
Allan Kennedy; tally card draws,
Jean McNaughton, Scott McLean,
Velma Sleightholm, Oliver Rae,
Hilda Holmes, Adrian Verstoep,
Annie McCourt.
Happy 50th anniversary to Doris
and Archie Jacklin on April 18.
euchre at the Auburn Community
Hall held on Tuesday evening,
April 11.
Winners were: high lady, Grace
Evans; low lady, Heather Hakkers;
high man, Ted East; low man, Effie
McCall (playing as a man); novelty
prize, Dorothy Daer.
This was the last euchre until fall.
Bonnie and Mark Garner were
Easter visitors with her parents,
Tom and Ruth Jardin.
Mr. William Anderson of
Newmarket visited on the weekend
with his mother, Bernice Anderson.
Visitors Easter Sunday with Tom
and Mildred Lawlor were their son
Jim, Maria, Anthony, Aden, Krista
and Talman Lawlor of RR 5,
Goderich.