HomeMy WebLinkAboutThe Citizen, 1997-05-14, Page 11c The news from
ranbrook
P. Hagedoorn, 887-6270 and M. Saxon, 887-9287
Hall board spring cleans
The Hall Board held a "spring
cleaning day" last Saturday. Thanks
go to Eric and Brian Van Veen who
came to help.
A "work day" will be held in
August when some major mainten
ance jobs will be undertaken. More
about this later.
Village to get mower
Continued from page 2
There were three submissions.
A new lawn mower will be pur
chased at a cost of no more than
$400.
Council was told the price to
transfer the deed for the land
'donated' to the village by Merlin
Jutzi, is $500. There is also just
over $300 owing on back taxes,
which the village must absorb.
♦♦♦
Councillor Joe Seili and White
will be attending a meeting at the
arena on May 27 on restructuring.
Revenues and expenditures from
each municipality will be com
pared.
Watson and Wilson will attend a
meeting June 25.
Council was informed that a
drainage ditch on Princess Street
needs to be cleaned. The cost is
approximately $300. Aso, White
said the ditch behind the trailer
park and the holding pond at the
fire hall need cleaning. This cost
was estimated at $5-600.
A decision was deferred until
Wilson and Nichol could investi
gate.
STOP means STOP
By Linda Henhoeffer
Financial Advisor
Every once in a while, life gives us a wake-up call. Mine happened the
other day when I was involved in a car-truck accident. My car lost!
Fortunately, both the farmer and myself were not killed.
After the initial relief that both of us were alive, the next concern was
mopping up the damage with the expert help of the police, local
firefighters and ambulance crew. A special thank you to all of you who
stopped and offered your help.
Wake-up calls like this car accident focus our thoughts on the 'what if s'
in life. 'What if I wouldn't have been so fortunate and I would have been
killed in the accident? What would happen to my family? Would they be
able to carry on financially? Do I have enough life insurance? Do I have a
will? Is it current? Do I have all my paperwork in order so my executor
could take care of my assets?
'What if I would have been severely injured and in hospital unable to
take care of my finances? Do I have a 'power of attorney' who could step
in and look after my finances until I recovered?
Life Insurance
A wise person once told me to think of life insurance as 'income'
insurance. If I was to die, my family would continue to need my income
to pay for their living expenses. How much life insurance do I need to
replace my income? Of course, term insurance is the cheapest kind of life
insurance, especially when we are younger.
So, to determine the amount of life insurance needed on the life of the
'breadwinner' in the family, we need to calculate the amount of money it
would require to replace the breadwinner's wages. Also, if there are young
children in the family, the 'housemom' needs to have sufficient life
insurance coverage to replace her services with a nanny and housekeeper.
It is important to cover this expense in order for the breadwinner to
continue working at their job.
Wills
Wills are legal documents that give instructions to our executors as to
how we wish our assets to be taken care of after we die. It is best to have a
lawyer's help to advise us of our choices and the laws which may affect
our decisions. The executor(s) needs to be chosen with care as this is a
demanding role which may involve selling real estate, investments, etc.
and working with other professionals, such as lawyers and accountants.
Special consideration needs to be taken if young children are involved.
A guardian should be named to take care of them and instructions given
as to the investments set up to cover their needs.
Power of Attorney
This is a legal document that names the person(s) who will take care of
our finances if we are unable to do so because of a car accident, illness or
absence such as a cruise around the world. This document gives the
chosen person the power to pay our bills, sell our real estate, handle our
investments, etc. Obviously, we need to take care in whom we select to be
our 'power of attorney' as this person literally takes over our finances
when we are unable to do so ourselves.
The 'power of attorney’ also now has authority to make medical
decisions on our behalf, so it is really important to choose this person with
great care.
It is easy for us in our very busy lives to put off these important
insurance and legal matters. But, we never know when we are going to get
that next wake-up call. So, STOP and take the time to put your insurance
and legal documents in order.
THE CITIZEN, WEDNESDAY, MAY 14,1997 PAGE 11.
Cranbrook WMS meets at Smiths’
The WMS met on May 6 at the
home of Mrs. Joe Smith with eight
members in attendance.
Leader for the meeting was Mrs.
Jack Knight who honoured mothers
with her selections. The opening
poem had a spring flavour with the
name "Have You Ever", which led
directly into the opening hymn For
The Beauty of the Earth.
The scripture reading was taken
from Deuteronomy, chapter 5,
verse 6. Honour thy father and thy
mother as the Lord thy God hath
commanded thee. Commenting on
the scripture certain family virtues
must be instilled in youth. Parents
are responsible for showing good
moral ways of living and for
teaching their children to respect
each other and themselves.
Hymn 585 Happy the Home
When God is There was read in
unison. The Lord's Prayer was
repeated in unison.
Cards and visits to shut-ins for
the month showed a total of 12
visits and cards.
Mrs. Stuart Stevenson informed
members of a sight-seeing trip to
the training grounds of the
Presbyterian ministers in Toronto.
Visitors are to visit Knox College,
Wynford Drive and Evangel Hall.
Mrs. Murray Crawford gave
further insight into the colourful
land of Hong Kong which is a
mixture of the west and east.
Tagged as the "Manhattan of Asia",
it had a record of 11.4 million
visitors last year and tourism is
booming again. Many of the textile
manufacturers have moved their
businesses to China where
production costs are not as high.
It is to be hoped that the
communist take over on July 1 will
be stable and advantageous for
Hong Kong.
For those who wish to be at the
changeover ceremonies to watch
the Queen's representatives sail into
the sunset, it is difficult to find an
airline seat from anywhere in the
world. This portion closed with the
Mizpah benediction repeated in
unison.
Following the missionary
meeting the ladies made extensive
plans for the salad supper to be
held in the Cranbrook Hall on
Thursday, June 5.
A delicious lunch was served by
Mrs. Knight and the hostess, Mrs.
Smith.
Quality learning
Nikki Vanderveen a student of Walton Public School and
her mom Darlene enjoy some quality time studying Nikki's
work at Portfolio Night, May 5.
FINANCIAL SERVICES
* Life Insurance
* Estate Planning
* Investments
Call for more information
Linda Henhoeffer
335-3887
or 1-800-667-3887
Centre
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