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The Huron Expositor, 1984-08-15, Page 10PIRATE BEARS—Bears came In all shapes, sizes and costumes at the Teddy Bear Picnic at the Seatorth Library on Friday. Chris Gridzak brought a bear dressed as a pirate. (Wasslnk photo) Financial checklist for families BY HARRY L. MARDON The untimely death . of her husband presents a woman with a whole set of problems to cope with. not the least being she now is in sole charge of the family finances. How prepared the widow is to deal with major financial matters usually depends upon the amount of money -management experi- ences she has had All too often in the past. wives handled the housekeeping budget while husbands looked after the rest of the financial affairs. This frequently resulted in wives being unaware of the family's total financial assets and liabilities. in recent years there has been a significant change in how family finances are managed. Nowadays It is usually a fully shared responsibility, especially when the wife is earning income by being in the wort force. Nonetheless, sudden widowhood creates a number of money management problems for many women •regardless of age. financial status and whether or not they are working outside the home A widow's most immediate task is to locate and assemble all the documents which deal with her late husband's estate and the family finances This could involve a lot of frantic searching unless the family has kept a good set of records which are stored properly. Of course, the time to get all documents and records organised is now, not next month or next year Here is a check list of souse of the things a married couple (for that matter, a single person also) should attend to: Wills. both husband and wife should hast a will These wills should be reviewed on a regular basis Executors each should have a %ropy A copy of each will should be kept at home and your famil% lawyer should have the original Life Insurance the husband and wife each ABC AGENT DENNIS LITTLE should have some insurance, the amount depending upon individttal earning capacity, the size and ages of the family, and a broad range of other factors. The life and disability insurance policies should be kept at home, so they are readily accessible. However. in case your house is burglarized or destroyed by fire, a full description of the policies should be stored in a safety deposit box. That will enable you to get a replacement copy from the insurance company. or companies. Bank Accounts••it's advisable for both husband and wife to have a separate account plus a joint account. This will ensure the survivor has immediate access to cash if one of the spouses suddenly dies or is killed in an accident. Financial planners report a surprising number of spouses (mostly the husband) have an account in a bank which their mate doesn't know about. It may not be discovered until long after a person's death, which can create a legacy of hurt feelings for the su rvivor. General Insurance - the policy providing the family with insurance coverage against loss, damage or theft of their property, and for casualty insurance. should be kept in a safety deposit box. A copy of it should be kept at home. Each spouse should know the full details of the policy, and the amount of coverage should be adjusted to match the family's changing circumstances. Safety Deposit Box• -it's advisable to have one in which to store originals or copies of all important documents, such as wills, insur- ance policies. investment certificates. bonds and son on. Keep in mind that a safety deposit box is sealed upon a person's death, usually until his or her will is probated. However, the will and insurance policies may be removed, under supervision. SPECIAL GUARANTEED TO 60,000. 13 1/2 0/ 3 YEARS No Fees - Rotas Subject To Change Contact AOC ANNUITIES 53 Vast STt,y C;ODERtCH CALL 524-2713 (Collett) ABC AGENT FRANK LITTLE LITTLE PEOPLE Infants to 14 397 Main Exeter Savings 10®/ Off all Mew FoII Merchandise Aug. 15, 16, 17, 18 All remaining summer stock '-4 price or better servings KIDS European youths Franz Friedl of Austria and Jacob Madsen of Denmark are bright, ambitious young men who are visiting Canada on the Lions International Youth 'Exchange. They are among 41 delegates from 20 countries who are being hosted by Lions club members in this area. Franz has been the guest ofj,ucknow Lions members Allan and Nancy Gibson and Tom and Joan Helm of Ashfield Township while Jacob's host family has been Lion Neil McGavin and his wife, Marie of Walton. A student in Vienna, Franz is from Saltzburg. A graduate with his masters degree in business administration, he is presently working on his thesis for his doctorate. He has a part-time job'in a bank in credit analysis . and wants to work in international banking when he finishes his degree. • His interests include culture, theatre, art and music. While in this area, he saw a play at the Stratford Shakespearean Festival which he enjoyed immensely, It is unusual he thinks to see such world class theatre in such a small town. He also saw a production at the Huron Country Playhouse and visited the Ontario Art Gallery in Toronto. Franz likes to travel while ora vacation. He wants to take advanta a of his freedom as a youth and do his travel in ibeffore he takes on the responsibilities of marrlt gge and career. Canadians are more open thap Europeans he says. He has been to Vancouver, Banff and Toronto which he thinks is more American- ized than Vancouver since his arrival, He has also seen the cities of New York, Minneapolis and Seattle since arriving in America. He believes Canadians have more oppor- tunities to develop their goals in life than Vegetables shown at , 4-H BY LINDA AXTMANN The Walton "Good Luck Gardeners" held their fifth meeting at Diegal's on Aug, 9. Members answered the roll call by showing garden vegetables of their own. Mary and Bonnie led the discussion on landscaping, flower arranging and Achieve- ment Night plans. Future 4-H projects changes of the prganization were discussed. The meeting was then adjourned and lunch was served. The next meeting is at the Axtmann's on Aug. 16. Members are asked to bring swim suits. 4 -Hers attend conference Over 30, 15 -year-olds from Huron County attended the 4-1il Regional Conference at Centralia College recently, The 4 -Hers including members from Grey and Bruce counties had a chance to develop their leadership skills and meet new friends. The Conference involved a variety of guest speakers, films, discussions and athletic activities. Those attending from the Seaforth area were: Carol Axtmann, Walton; Steve Baan, Walton, Paul Coultes, Brussels, Linda 'de Jong, Brucefield, Brad Falconer, Seaforth, Sherri Fenton, Belgrave, Doris Glanville, Walton,, Wendy Hoelscher, Seaforth, Donna Jphnston, Bluevale, Jeff MtGavin, Walton, Mike McGregor, Kippen, Diane Middegaal, Seaforth, Lisa Poppe, Dublin, Patricia Schwarz, Seaforth, Allyson Scott, Seaforth, Cherryl Smith, Walton, Kelly -Ann Tilbrook. Belgrave, Kevin Van Beers, Blyth, Diane Vanneste, Kippen. Teddy Bear picnic a hugging event Armed with their favorite furry friends 60 youngsters enjoyed the annual Teddy Bear Picnic at the Seaforth Public Library on Friday. Children aged three to eight brought at least one stuffed friend if not two to enjoy games and goodies. Youngsters stuffed themselves on what else but a roly poly teddy bear cake made by library employee Heather McLean. Liz Stewarf`top 4-H judge mediate Division. In the Junior Division. Kelly Vodden placed first. Other J unions who placed in the top ten included: third -Julie Merner: sixth, Brian Whyte; seventh, Michael Pullen, and ninth Sandy Meurer. Michael Pullen was top Junior in both the Poultry and Forage Classes. The Quiz Bowl team. including Dinette Steffens, Lisa Thompson, Greg Hoggarth and David Pullen placed second. Librarian Trudy Broome laughs when she recalls other picnics and such a large attendance of youngsters is quite common for this event. There were no cabbage patch kids Mrs. Broome recalls and there were no tears. But then when you're with the one you love how could you bear, oops, dare to be unhappy. .rite Twenty 4-H members from Huron County took part in the Rural Youth Connection regional competition in Stratford on July 26. Lu Stewart of RR 1, Dublin won the Judging Competition as High Overall Judge. She had 611 points out of a possible 650 points. Liz also was Top intermediate Judge. Lisa Thompson was seventh in the Senior Division. and placed fust in the Stew Class David Pullen was runner-up in the lnter- Top team loses playoff game In Ladi 's Re, reation Softball action playoffs got underway on August 7. The early game saw Ken Murray Electric and Ken Smith Pools battle it out with the final score being 5-3 for Ken Smith Pools. Hitting for Ken Murray were Deb Murray and Dianne McGrath hitting triples. COLONIAL PLATES & DOLLS LTD. 7 wider St. St. Marys, Ont. iIOM 2V0 Open Mon - Sot 10:30 - 5 p.m. Sun 2 - 4 p.m. Phone 284-2807 or Toll Free 1-800-265-4392 MEET RUSTY MONEY IN PERSON ARTIST OF STOP AND SMELL THE ROSES SERIEtS.._-- F Staea+4 Swell Ike Bass Moe. Asp. 20 10:30 - 5 p.m. R,.sr, ..ill glodlrign MI her plates la yen, This is u» only store In C,nodo rhos sho will be visiting The wholo series will be ovoiloblo Ohio to meet this soli*, oils, SUMMER MADNESS SALE Starts Thursday August 16th Ends Saturday August 25th SAVE! SAVEI SAVEI SAVEI •liummols 30%1 *Dolls 1040% ®Musk lo.ee 15% eAnrl a Armon( figurine. 254" •Cottoctor Plote. 1565% ®Promos on Soper Spocbl e5,ecleee Moments 15% GCrntal minion/43 25% •Pondelpbinr 23% • Kleeatoad prints 251. EVERYTHiNG IN THE STORE OH SPKfALI Phone Orders Welcome in the late game McNichols won over the Queens team 8-6. Hitting for the Queens were Deb Janmaat a triple and Janice Leonhardt and Cathy Coombs with home runs. The series is the best two out of three games with McNichols and Ken Smith each leading one game. Vanilla is our Favorite Ottawa - Some decisions are very difficult to make. For example, what Flavor of ice cream should you choose at the counter? You may be confronted with 25 flavors, one as mouth watering as the next. In spite of the choice it seems that in Canada vanilla ice cream is the most popular, representing about 40 per cent of sales. Vanilla is followed in popularity by chocolate, neapolitan, then strawberry. ET Bus Tours •Summer '84 • 'Cleveland at Toronto �r �Transportatian, ticket) "and CNE odmissibn (CANE. 23.....,, .529.001 'Transportation only 1 i Aug. 23 S 16.00" Toronto Zoo 1Tronsportation and; 'admission ,Aug. 23.from S19.001 fan©da'r Wonderland 1Transportolion and, "unlimited pass II "Aug. 26 Toronto at Detro5i32-t x10 "Mens Stag. Tronspar le•;" "tion. ticket. and more 'Sept. t 535.001 Basaboll - Football" Weekend 1Tronsportotion, hotel and a tickets for Lions 8 Tigers" Sept. 22/23 ...549.00; Located • in the Old Town Hall ; Main St.. Exeter Coll Toll Free II 1-800.265-70221 refer IL Areal 235L2000 gl i 1 THE HURON EXPOSiTOFR, .AUGUST 15, 1984 .— A9 enjoy theatre Europeans, which is an interesting observa- tion since many Canadians believe their futures are hopeless because of Canada's high unemployment. Jacob has two more years of secondary school to complete before he decides whether he will continue his education or take a year off to travel. He thinks he may choose a career which would involve travel since he has enjoyed his trip to Canada and he has toured England, France, Germany and Spain where many Scandinavians go for their winter, vacation.. Fluent in German, French and English as is Franz, Jacob enjpys sports including basketball and tennis, whether as spectator or participant, and music. He participated in a basketball tournament in Seaforth since he has been in Canada and found it great fun. Travel provides an opportunity to compare the political, cultural and social structures of different countries. He finds the main difference between Canada and Europe is our short history. He has found Canadian young people know little about Europe's history or geography which he has learned in great • detail in school, •Hp laughs when he recalls that one young girl he met here thought Franz was from Australia instead of Austria which she had never heard of. European papers carry more news about America than our papers do of Europe, he adds. Jacob has relatives in Toronto whom he has visited during his stay here. They took him to set; the city's sights including the CN Tower, Wonderland, Ontario Places Eaton Centre and was he impressed by the city's Chinatown. He finds it interesting that Canadians trace their genealogy to countries in Europe. "You almost have to ask what generation Canadian are -you?" when you meet people, he says. JACK'S JOTTINGS BY JACK RIDDELL M.P.P. In late Jujy, provincial agriculture mini- sters from across the country met in Winnipeg tot discuss the establishment of a Tripartite Stabilization Program for Canadian farmers. However, little progress has been made in this connection. A statement released by the Opposition Party indicated that "another provincial agriculture ministers' conference has come and gone and while producers are worse off financially than they were last year, we are ne further ahead on the introduction of a Tripartite Stabilization Program for Ontario and Canadian farmers. We can kiss the introduction of a stabilization plan goodbye for yet another year." As recently as July 8, in response to a question by myself, the Minister of Agricul- ture stated: "We can and will finalize the agreement at the July 23, 24 and 25 meeting of the Ministers of Agriculture. To quote the statement once again, "Ontario farmers have now had two and one half years of excuses from Dennis Timbrell as to his inability to provide financial assistance to red meat producers caught in the ongoing farm financial squeeze, on the basis that it would jeopardize an illusory Tripartite Stabilization program. As he Winnipeg agriculture conference passes into history, the Minister has once again come up empty handed," The statement continues "The so-called support fora stabilization program which M. Timbrell speaks of is nothing more than a PR exercise. No other province has agreed to the - principle of stabilization than the original four (Saskatchewan, Manitoba. Alberta and Ontario) which had agreed to negotiate last year. \ Moreover, any program is to be subject to still further negotiations and changes. and will not be retroactive. Because of the shenanigans of Mr. Timbrell's federal Sousing Which prevented the amendment to 'tbe'Agriculttiral Stabilization Act (Bill 50) to get beyond the first reading before the election was called, the federal Minister of Agriculture has agreed to re -introduce the enabling legislation in the Fall session of Parliament. "Ontario farmers are again left out in the cold and must continue to compete with farmers who are the beneficiaries of the generous agricultural support programs of other provinces. "While Mr. Timbrell speaks about the farm financial responsibility of the federal government, he has no solutions to offer of his own. He continues to blame Ottawa and shirks his own responsibilities by refusing to provide the programs necessary to maintain a farm industry in this province, Stabilization is the only solution which he has dangled before our farmers to address their present economic problems. "Our producers need assistance now to keep them in production. They can no iolljger """" wait for a yet to materialize Tripartite Stabilization Program. "On June 19, the Minister told us in the Legislature that he did not want to let d,own the red meat industry. He must take the necessary steps now through emergency financial assistance to alleviate the difficul- ties which our farmers are experiencing. "This farce has gone on long enough. The Minister must now stand and deliver," Pursuing the matter in the Legislature 1 stated that Ontario government inaction threatens survival of our red meat industry. Financial assistance is urgently needed, yet no emergency aid was forthcoming in the May budget. The government has (ailed producers due to its preoccupation with proposed federal/ provincial tripartitte program. Two years have been wasted and the situation has worsened. The government showed its true colours when it rejected our call last October for an emergency debate. Moreover, it has now announced the imposition on beef producers of a marketing 'plan without either legislative debate or prior consultation with producers. The government has failed to address the central problem of high capital and operating costs which are combined with low commod- ity prices due to a decrease in consumer demand, a surplus of production and U.S. imports. As recently as 1980, the government told farmers to modernize and expand their operations, yet many farmers who heeded the government's advice are now worse off than ever before. The situation will remain bleak as long as producers are forced to compete with Western Canada„ and Quebec with their heavy government subsidies. OPEN HOUSE MEET YOUR BRUCE LIBERAL CANDIDATE MCDONALD At the SEAFORTH COMMITTEE ROOMS CORNER OF MAIN AND GODERICH STREETS MONDAY, AUGUST 20TH AT 9 P.M. Coffee& Dou ' hoots Everyone Welcome ,1•4 RULE McDONALD, f IN HURON BRUCE w""' y *. t f •i p x �S •': �`'' KC pa- Libel al •3e year resident of Huron Bruce •Raised and worked on family farm -beef. hog. c ash crop operation •Fducated in Walton, Seaforth, and a graduate of Business Administration from Wilfrid Laurier Llnisersits •Partner of ( raig. Mc Donald. Riddon Insurani e Brokers t td nt Formosa, Mildmas and Walkerton • • Memher of ( hamper of (ommen e, Loral service dubs •Member of United ( hurt h •Area Aire. President, Huron Bruce t iheral Aswx latlnn Bruce McDonald 5.3)/5.— "I am concerned about seeing long term financing for agriculture and small business made available at viable rates. Present government studies are addressing this problem. Huron -Brute needs a voice to see they are implemented." BRUCE MCDONALD LIBERAL HEADQUARTERS: FORMOSA 16; ;622 LIBERAL COMMITTEE ROOMS: WINGHAM - 157-1302 CLINTON - 482-3401 SEAFORTH - 527-1022 GODERI(H- 524-2103 EXFTER-235-0151 For Election Information or Election Das transportation Please call! FOR YOUTH • EXPERiENCE • VITALITY VOTE BRUCE McDONALD SEPTEMBER 4TH Authorized by Barry Reid, nffit ial agent for Bros e 551 Donald. OPEN HOUSE MEET YOUR BRUCE LIBERAL CANDIDATE MCDONALD At the SEAFORTH COMMITTEE ROOMS CORNER OF MAIN AND GODERICH STREETS MONDAY, AUGUST 20TH AT 9 P.M. Coffee& Dou ' hoots Everyone Welcome