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HomeMy WebLinkAboutThe Citizen, 1999-07-21, Page 11Whack! There was some serious hitting this past weekend when the Lucknow Slammers played the Lucknow Kinsmen on Saturday under the early afternoon heat during the annual Belgrave Kinsmen tournament. (Ashley Gropp photo) Brussels U-9s go 3 and 0 THE CITIZEN, WEDNESDAY, JULY 21,1999. PAGE 11. Blyth Lightning burns Goderich The Brussels 4 U9s achieved a winning form over the last couple weeks as.they went three and zero. On 'June 28, they took to the field at Elma Public School against the Elma l squad. Working hard to accomplish their first win, Brussels outscored Elma 2-0. The goals were scored by Andrew Van Vliet. Ryan Smith and Tyler Deitner each played half the game in net. With the scoring prowess of Van U-9 Ils shutout Elma squad On Monday, July 5 at 6:30 p.m. the U-9 Brussels II played against Brussels 4 at the school. The heat was on but the teams kept the ball in each end with a lot of thrilling action on the field. Justin Pipe made great saves at net and kicking the ball back into action quickly. Devan Warwick and Patrick Brunk kept the ball passing up to the forwards, Kristen McArter and Scott Murray who Brussels Sprouts tie Tigers The Brussels Sprouts played against the Maple Leaf Tigers on July 15. The first goal was scored by Cole McLean for the Tigers. Sprout Emily Baker then tied the game. Nathan Watson stopped a hard shot from McLean to keep the game tied going into half time. Andrew Watson, Marissa Pipe, Danielle Ducharme, Kendra Siebert and Chad Terpstra all played well as goalie for the Sprouts. Shea McLean and Natalie White played well in the net for the Tigers. During the second half McLean came back with another goal for the Tigers. However Zachary Watson did not lose any time scoring the Vliet, Brussels took their second win in as many games, July 5. Van Vliet tallied the only goal in the match against Brussels 2. Coach Dianne Van Vliet says it was truly a team effort with great offense from Smith, Rebecca Wilbee and Lindsay Watson. Colleen Aitchison, Annamieka Kerkhof and Joseph Kerkhof helped to defend against a strong Brussels 2 team. Deitner earned the shutout. The following week, July 12, made some shots on goal. The game ended at 1-0 for Brussels. The following game on Monday, July 12 was against Elma at Brussels. Kyle Bateman goaltended for the first half with Kaylea Brunk and Jolanda Smith keeping the ball away defensively. Great passing by Chelsey McLellan and Lacey McArter kept the ball in the Listowel end. next goal of the game to end it 2-2. Other players who worked hard for their teams were: Dalton Hamilton and Victoria Kellington U-6 Lions enjoy playing the game The Brussels U-6 Lions coached by Shannon and Jeff McGavin have been giving their roars at the arena fields. Alexandra Raynard has been making some great goals along with Curtis White and Kody Higgins. Enjoying their time doing some goaltending are Kane White and Nick Siebert. Each team player enjoys checking out all the different positions on the field. Jenelle and Newton 1 came ready to play. Great goaltending by Aitchison in the'first half kept Brussels 4 in the lead off a goal from Van Vliet. Up 2-1 on a goal from Deitner, goalie A. Kerkhof was faced with a hard shot off a penalty kick in the last few seconds of the game. Quick reactions stopped the ball and main­ tained the win. Everyone played a great game, said Coach Van Vliet. Peter Murray did the goaltending for the second half of the game and Melinda Dorsch kept it passing to her team for a victory of 4-0 for Brussels. Scoring were Cody Subject, two; Jodi McIntosh and Scott Murray. Teamwork has been shown with great passes and lots of action. Their next game will be on Monday, July 26 at Mornington Central School. from the Sprouts and Ryan Sholdice, Trevor and Heidi Raynard, Morgan and Connor Smith for the Tigers. Janessa Smith along with Jacob McGavin have been active in their passing and stopping the ball. Kelsey Rathwell and Joshua Raynard have been giving their shoes a workout with a lot of running and keeping the ball moving. Excellent teamwork and learning of the game is taking its course with the players enjoying their night of playing. Excellent scoring ability by Levi Cook helped take the Blyth Light­ ning Atoms to a win over the Goderich Legal Eagles. Playing away from home, July 12, Cook notched the first two of four goals in the first half of the contest. Why Segregated Investments are so hot By Linda Henhoeffer Chartered Financial Planner In these dog days of another hot summer, it is very tempting to find a shady spot in our garden with a tall, cool drink in our one hand and a fat book in our other hand. A book I highly recommend for this gardening activity is Sandra Foster’s estate planning book titled You Can't Take it with You: the Common Sense Guide to Estate Planning for Canadians. Foster’s book is very timely as our Canadian population gets older and baby boomers start focusing on our retirement and putting our financial matters in order. A good financial plan will always include a sound investment management program that also entails the easiest and most cost effective way of transferring our wealth to our beneficiaries. And this ease of transfer of wealth is where segregated investments shine. The added attraction of transferring wealth at NO estate costs is why segregated investments are so hot! What is a Segregated Investment? A segregated investment is similar to a mutual fund with unit holders sharing in the profits of a portfolio of stocks or bonds. A professional money manager makes the ‘buy and sell’ decisions. The share values are published daily in newspapers. When the portfolio is made up of mostly Canadian stocks and'bonds, the segregated fund is an eligible investment for our RRSP’s and RRIF’s. So, a segregated investment is similar to a mutual fund in its structure. But, because a segregated investment is offered by a life insurance company, it has several significant features that make them very attractive to certain investors. Exemption from Probate Fees Assets held by an individual that are included in a person’s estate at death are subject to estate settlement costs; such as probate fees, lawyer, executor and accounting fees, etc. Probate fees on a million dollar estate will be about $20,000. Foster tells us we can expect the lawyer, executor and accounting fees will be similar to our probate costs. So, the cost to settle a million dollar estate could be about $40,000. There mostly likely will be capital gains taxes and income taxes to be paid by the estate as well. This clearly shows us how an estate shrinks in value after paying all these bills BEFORE any money can be distributed to our beneficiaries in our will. Therefore, if there is a way to pass on our wealth to our beneficiaries outside of our will, our wealth will be transferred to them without the costs of probate fees, lawyer, executor and accounting fees. Because a segregated investment is a life insurance product, our beneficiary named on our ‘policy’ will receive our investment directly with NO probate fees and with NO delay. (It usually takes several years to settle an estate with numerous lawyer and accounting appointments.) As with any investment, there may be capital gains tax to be paid by the estate on the growth of our segregated investment. Other Benefits of Segregated Investments Upon the death of the investor, the beneficiary of a segregated investment is entitled to receive at least 75 per cent of all deposits (less any withdrawals made by the investor) regardless of stock market performance. By stating a maturity date of at least ten years, the investor is guaranteed to receive at least 75 per cent of all deposits (less any withdrawals made by the investor) regardless of stock market performance. After reading Foster’s book on estate planning, we understand better what happens to our assets when we die and our options in how we structure our estate plan. To maximize our heirs’ inheritance, we need to consider how our wealth can be transferred to them with the least cost and effort when we are making our investment decisions. And that’s why segregated investments are so hot! SEGREGATED INVESTMENTS * no probate fees * immediate transfer to beneficiary * maturity and death guarantees For more information call Linda Henhoeffer Certified Financial Planner 1-800-667-3887 or 519-335-3887 Investment Centre Assists went to Kyle Nixon, Ker- rissa Van Amersfoort and Jacob Rouw (two). Cook and Rouw blew the game open in the second half, each scor­ ing two for the 6-2 victory. Assists went to Krys Campbell, Nixon and Cook. Josh deGans played well in net.