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economist suntribune may 21 1986 a17 if fffr davidson mil partners david a chalmers vice president branch manager 7100 woodbine avenue suite 106 meruujb oourio l3r1a3 tel 416 4793002 a most misunderstood product life insurance is one of the piqst misunderstood products by the average canadian why the misunderstanding in an age of knowledge and computers it is my opinion that psychology and the insurance companies are a big part of the problem psychology hinders understand ing because it is only natural for us to avoid thoughts of death un less such thoughts are thrust upon us through the loss of a person close to us the insurance companies con tribute to misunderstanding through sheer numbers and com petitive forces as more than 175 companies all try to scratch out a larger piece of market share they have tried to do this large ly by promoting individual names for what are basically very simi lar products on the permanent insurance side we now have such wise money brand names as universal life target life enchanced life lifetime protection econo- business directory l business equipment ltd unit 12 34 sims crescent richmond hill ontario l4b 1b8 sales rentals of new used office equipment toronto 416 7318284 toronto west 416 2235051 olympia international unionville broadloom interiors 4418 hwy 7 4773100 unionville 4772700 first quality merchandise and guaranteed prices t broadloom aooring wallpaper draperies t verticals t blinds a complete decorating service decorating homes in this area for over w years balsmeier associates personal corporate tax returns financial statements accounting bookkeeping 2947731 m w p0ray architect 6945424 design herilage renovations construction management consultations tewmarkham foe oolympia freelance bookkeeping stenographic services books to trial balance payroll t4 summaries and preparation government remittances r costing typing personal income tax returns accounts payable and receivable collec- tion of accounts receivable etc reasonable rates call shirley 416 8525242 sales service rcnfals afci electronic typewriters lo mil ym nted authorized dealer cmcuiaiors bdfciaungmmhine offlttsuwllts bieiephoteahsw units mmm jljiwmi -competitiveprices- 2f 70ffice ismm equipment 4916873 4756302 fw7 custom accounting services complete bookkeeping accounting and taxation services for small busi ness and personal 4791168 bookkeeping accounting service for small businesses 8895683 life ultra life preferred life and adjustable life to name a few basically they all pay you whenever you die but who would guess that by the myriad of names on the term insurance side things are no better one final point of confusion is how the public is being asked to view the companies many insur ance companies are now involved with real estate trust companies mutual funds financial planning companies and general insur ance it really is no surprise then that life insurance has become confus ing when you consider the rapid change taking place in the indus try how does one unravel the mystery the concept life insurance is simply risk sharing it began with groups of ship owners agreeing to share the financial burden if one of the members ships was lost at sea with respect to life insurance the loss of life creates a loss of future earning power since only a very few people will lose their lives early but no one individual can afford that loss people share that risk by buying life insurance life insurance companies have become the organizers of public risk sharing editors note john near is a resident of markham and is presi dent of john near annuity in surance agency limited at 471- 1415 business briefs fertile ground john manley the president of sogreen inc is the guest speaker today at the markham board of trades luncheon meeting sogreen started in 1953 has since become one of canadas largestfertilizer manufacturers mr manley became president in 1980 and is currently prom oting his no filler added fertilizer on television ads he joins the ranks of other company presidents who endorse their pro ducts such as lee iacocca of chrysler and dave nichols of gilette the noon luncheon will be held at the fire fighters club on esna park rd in markham stopping crime markhams beard of trade in cooperation with the toronto and york region crime stoppers is presenting a seminar on crime prevention investigation the young offenders act and the crime stoppers program inspector barry delaney of the york regional police will introduce the guest speakers which include john cooper an expert on the young offenders act and a member of the board of directors of crime stoppers and mike walsh of markams wilmark investigations which is involved primarily in inves tigating internal theft the seminar is slated for tuesday june 17 from 830 am to noon at the markham fire fighters club tickets are 15 for more information call 4740730 trends of future the york technology association presents the seminar trends in the information processing industry 1986 and beyond at its last luncheon for the season j mark stirling the president of international data corpora tion canada ltd the subsidiary of the worlds largest market research company will discuss the future of the information pro- cessing industry the noon luncheon is slated for wednesday may 28 at the chi- mohotel at 7095 woodbine ave north of steeles ave tickets are 20 for more information call 8831340 i quality typing manuscripts thesis general from 100 double space page plus carbon copy free corrections minor gram ipunct spelling free pu del prompt service 6401311 bookkeeping services for small businesses my office or yours reasonable rates pat 4921918 bookkeeping accounting income tax italian german service 8897250 evgs vovjfr if you are getting married welcome wagon bridal party bridal fashions gifts door prizes free admission by invitation phone 4771995 iscover the power also featuring bill dodgson senior consultant tillcan financial featuring a special guest richard wernham president j global strategy fund the global strategy fund was specially designed for canadians by worldwide capital management ol toronto and features investment advice from nm rothschild international management ltd for nearly two centuries the rothschilds have been at the centre of international investment and finance oshawa aurora and ottawa only topics how to benefit from global investments how to pay off your mortgage in less than 1 0 years how to remove the dollars from your rrsp tax free achieving financial independence the easy way how to pay less for your life insurance how to earn up to 500000 in tax free capital gains aurora hptel aurora 150yongest may 27 1986 800 pm 2971961 tillcan financial corporation we are the professionals to place your ad here 2942200 fridays by 300 pm call 6402100 did you know that 661 of adults in the markhamstouff villc area say we do a good or excellent job of covering local entertainment now you know source kudos and associates study march 1984 details on request warehouse sale save up to 75 on china crystal cookware and gifts seconds discontinued lines samples closeouts 3 days only thursday may 22 1 0 am8 pm friday may 23 1 0 am8 pm saturday may 24 10am4pm a trip to expo mcm standard trust super smtings open an account or deposit to your account and you get a chance to win its easy io enter just conic into standard trust today to learn how you may he the u inner of a trip for two to expo 86 this summer or one of these oilier exciting prics and dont forget for a limited lime only when you transfer your account to standard trust you could receive up to s50 cash tonus come in today standard trust member an jij drpmit inmiranor corporation w mam simt nmjrkhjtn tel 29 6865 oprn moiijay 14 tfcanj jy 9 im io s pm frm jy 9 an to pm sit mr j y 9 to i pm jl 1ucsaci kb 13ss amrm t cassette matik brnftot rjn jod rfpnffimtf r rfubfe mn pirthipitfftjt sufvrd tram nwnfc m fourtv rrvr tmx tut nxih it vir pj