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tux w5eken0er marphw jp43 finance take the quiz to find out if you have a firm financial future are you win ning when it comes to a firm financial future take the quiz and find out saving 1 when do you save money a as soon as you receive your paycheque abid ing by the pay yourself first rule b at the end of the month wait ing to see how much money is left over c sporadically saving money some months and skipping oth ers d although you keep saying youll save you never actually do 2 how do you access and plan your financial future a you consult your financial planner regularly on the best ways to meet your financial goals b you follow a written budget c each month you try to put away some money for your future d although you make mental notes to save money they never hit the pen and paper stage 3 do you have solid financial goals such as saving for a home or retirement a yes i do and i work towards my goals daily b i have goals but i get off track often c no goals only dreams d never thought about it 4 which words best describe how you feel about your financial fitness when you retire a very confi dent b fairly confi dent c uncomfort able d fearful 5 how often do you con tribute to retirement sav ings a regularly b sporadically but fairly often c sporadically but seldom d never 6 do you have an emer gency fund set aside for unin surable crises a yes bno 7 do you have insurance to prepare for crises such as long term dis ability a yes bno spending 8 do you control your spending with a budget a yes b no 9 how well do you stick to it a stringently b i follow it closely and when i find it too diffi cult to follow i revise my plan c i try but other expenses keep coming up d i dont have a budget 10 do you balance your cheque book a yes bno 11 do you h a b i t u a 1 1 y check your bill statements for errors a yes bno 12 do you update your bank book reg ularly and check for errors a yes bno 13 how do you shop a i list items after passing them through the is it necessary test then i stick to it b with a list and i stick to it c with lists but i always make a few impulse pur chases d i dont make lists 1 shop impulsively 14 are you confident that your banking pack age suits your withdraw al needs a yes i have consulted my financial institution and my plan suits my individual needs best b i havent consulted my financial institution but i think my plan suits my needs c i dont know d i am not satisfied with my plan 15 what percentage of your income do you spend during an average month a less that 80 pep cent b between 80 and 90 per cent c 100 per cent d more than 100 per cent tally up the number of as then look below to see your results 10 to 15 a answers youre winning 5 to 10 a answers although you take many of the right steps for finan- aixii vmm ulltkhoisi quality cabinets at warehouse prices white meuwhne melamine with oak pull flat panel oak raised panel maple prices based on the above 10 x 10 layout countertop extra offer expires april 30 1997 offer based on orders over s750 on cabinets only 1k cabinet price warehouse a step aove lite fled 134 cartwright ave toronto 4162562560 1 401 n 1 i oc i u li caitwrlght ave t s3 c i o 1208 g0rham st unit 1 newmarket 9059531515 1625 dundas st e unit 16 9052381156 hours mori 1 06 tuessthurs 1 r8 fri 1 06 sat 95 save your a22et2 financial survival for the 90s featuring sid karmazyn chartered accountant author and speaker sponsored by claude grunfelder registered financial planner wh stuart associates why you should attend do you want relief from taxes are your assets vulnerable want to learn how to safeguard your wealth would you like to sleep at night free admission fight back wednesday march 26 1997 730 pm radisson hotel hwy 7 and 404 first light west of woodbine call 9054750101 now to reserve limited seating gifts for all attendees cied fitness there is room financial control its not and professional advice for improvement easy to do but excellent this quiz is brought 0 to 5 a answers help is available in the to you by interne you could gain firmer form of books software association attention serious investors michael comeau vice president and senior investment advisor of td evergreen investment services is available for consultation at the stouffville td bank branch td evergreen is a full service investment dealer and offers broad range of investment products and services including domestic and foreign bonds canadian and us equities over 400 mutual funds- rrsps rrifs and resps free portfolio analysis investment advice and development of personalized investment strategies to book your appointment with michael comeau at the stouffville branch please call jim hassard branch manager at 905 6404000 or dave morrison branch manager at 905 6401372 or call td evergreen at 41 6 51 2251 1 or 1 8003824964 td evergreen w e a l t h m a n a c e me nt a tftfittti ttftlt xmtntir imc td evergreen investments services is a division of td securities inc which is a subsidiary of the toronto dominion bank member cipf fair compensation something can be done victims of personal injuries and their families need swift attention and professional assistance to obtain fair compensation for their losses early consultation with experienced lawyers will achieve the right results for over 60 years thomson rogers has consistently maintained a leader ship position in the battle for fair compensation we can help you if you or someone you know has suffered a personal injury please seek legal counsel early make the call to our special personal injury group at 4 1 686832 1 4 your call is confidential and there is no obligation its only fair the case for thomson rogers barristers and solicitors suite 3 1 00 390 bay street toronto ontario canada m5h iw2 fax 41 68683 1 34 tel 4 1 686832 1 4