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Health Welfare Canada states that 90% of Canadian women aged 65 â€" 69 depend on the government for their retirement needs. Shocked? So are many of the women who face this sentence. We spend our younger years trying to stay off social programs â€" only to find that come retirement â€" we can‘t survive without them. Why are so many women illâ€"prepared for their retirement? Statistics point to several good reasons: * 1 out of 3 women will divorce * women have a longer life expectancy than men â€" in fact, some women will spend more of their life in retirement than they A sobering reality affects a large number of retired Canadian women every day. Poverty or living below the poverty line is a feat that many Canadian women will face at some point in their life. By GAIL WIEBE Special to the Beaver Women should take control of own financial destiny huge premium yard â€" lots of roaming room, main floor family room, pro finished rec room, fireplace, upgraded kitchen, central air and vac, three oversized bedrooms, across street from park/ravine, this is a great opportunity â€" stop buy. OPEN HOUSE SUNDAY 2:00 â€" 4:00 PM 1149 SPRINGBROOK CR WAYNE MUIR BROKER $189,900 Apple Park Realty GA1â€"30U0U0UU 24 hrs. 3425 Harvester Rd., Ste. 101A Burlington, Ont. LZN 3N1 Fax: (416) 637â€"9555 Gien Abbey MARYANNE MUIR SALES REP. Absolutely gorgeous shoreacres resiâ€" dence complete with nanny‘s quarters, parklike setting with pool cabana. You‘ll be impressed! Call: ALLAN McCURDY, â€" Broker, â€" Homelife/Apple Park Realty Inc. 681â€"3000 or 333â€"5923. To further complicate their financial picture, women who choose to be "stayâ€"atâ€" home" mothers could end up foregoing their CPP, RRSPs, and private pension contributions. 4 Statistics show that 60% of women manage the household finances, yet only 12% make their own investment choices, and only 17% are involved in life insurance decisions. Women need to take control of their own financial destiny. It‘s up to you to take the necessary steps to secure a comfortable future. Begin by asking yourself some questions. 1. Do you know your net worth actually spent working * the gender wage gap is 68. 4¢ for every $1 a man makes. Financial planning is not a gender issue. Yet research suggests that women have been guilty of trusting someone else to take care of it for them. $649,800 SHOREACRES BURLINGTON Thi‘?t certificlatet_entifl%s you Lo an ug)-to-ddate ~* #1 RE/MAX written evaluation of your home based on a the comparative value of homes similar to TEAM (husband/wfle) y%uurgrgnn%/e%tg mgfigflgood 19*88, 1989, 1990, 1991, 1992 * Detailed Marketing Plan CONSISTENTLY TOP TEN * Two For The Price Of One RE/MAX CANADA ASK YOUR RE/MAX Realty Specialists Inc., REALTOR Ca/l for an appointment TODAY! MARKET EVALUATION CERTIFICATE ‘we * L4 DE/NAAV * Immediate exposure to over 25,000 potential buyers e Weekly advertising * Brochure box sign 3. Does your spouse carry the required amount of life insurance? Are you the named beneficiary? 4. Do you know the pension survivor benefits of your spouse‘s pension plan? 5. In the event of marriage breakdown, do you know exactly how much, or how little, you would receive? If you are having trouble answering any of the above questions, it‘s time for you to find the answers. You can start by reading some statement? 2. Are you actively involved in the investment decisions? WE WORK HARD TO ACHIEVE YOUR SUCCESS. PLEASE CALL THE TEAM TRY THE MARKETING PLAN THAT WORKS FOR YOU. ~* #1 RE/MAX TEAM (husband/wife) 1988, 1989, 1990, 1991, 1992 * CONSISTENTLY TOP TEN RE/MAX CANADA Gail P. Wiebe is a Chartered Financial Planner with y The Investors Group. She lectures regularly on Ts women‘s financial planning issues. w Cz basic financial planning books. Take the time to attend seminars. Find a financial planner that will work with you and for you. Remember, it‘s your money, and no one will care as much about your money as you do. Ask questions. Start effective planning now. You deserve a healthy and financially comfortable retirement. Start looking towards your financial future with confidence. Take control of your own financial destiny!