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HomeMy WebLinkAboutThe Citizen, 1995-04-19, Page 17S4213Y07:01) Dia oVittrry ,)410,11 Drslivurvi a Du. Ta,Aso WE? ITED:11 6204titt FIREWOOD FOR SALE 234 Main St. North `Seaforth -A: PkoBioGuard Freepool school. Get an education in pool care at our Pool Opening Seminar. Everyone Ak Welcome THURS. APRIL 27th 7:30 pm M iddegaa I DUNBAR & COOK ELECTRIC LTD. Home, Farm & Commercial Wiring DON PAUL 526-7505 357-1537 TROAt 1406 Specializing in: • Staircases • Railings • Interior Trim • Kitchen Cabinets Also: Decks & Fences • Rooting & Siding • Windows • Additions • Renovations P.O. Box 403 Brussels, ON NOG iHO (519) 887-6507 Blyth Decorating Centre Ltd. Drywall Hanging & Finishing Texture & Swirl Ceilings Spray Painting Painting & Staining TELEPHONE 523-4930 FREE ESTIMATES Vertical & Horizontal Blinds Carpet Hard Surface Marble Quarry Tile Ceramic Tile Wall Covering DON "BARNEY " STEWART JOHN H. BATTYE 188 Queen St., Box 151, Blyth, Ontario. NOM 1H0 4".114Ve CALL Treebeii LANDSCAPING & SUPPLIES 523-9771 1 mile west of Biyth FOR LAWN PROJECTS INCLUDING: • Wind Break Trees • Cedar Hedging • Ornamental & Shade Trees • Flowering Shrubs & Perennials • Lawn Fertilizing & Cutting • Power Sweeping of Laneways & Parking Lots • Peat Loam • Screened Topsoil • Crushed Red Stones & White Stones • Tree Trimming Caldwee Construction • residential & agricultural structures • framing - siding - drywall • roofing & trim Estimates & Prints R.R. # 3 Blyth 523-9354 INSTANT FAX AS F.A.S.T AS A PHONE Send your paperwork by FAX instantly! eg. statements, contracts, auction ads, favorite recipes, obituaries, messages... The Citizen has a FAX machine in our office that lets you contact any other FAX machine in the world ... instantly. Our FAX number is also your number so if you want to be reached instantly — we will receive your messages as well. Call Us Today For Details 523-4792 or 887-9114 FAX 523-9140 or 887-9021 Citizen 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.