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* â€"_BUSINESS m Debit card a boon to consumer B»®» She‘s a winner The session will be held on Tues. June 7th at 7:30 p.m. at St. Volodymyr Cultural Centre 1289 Dundas St. W. at Fourth Line. Seating is limited so to reserve a spot call 1â€"416â€"981â€"2000. Royal Trust is sponsoring a special financial seminar on ‘Investment Strategies For 1994‘. In fact, just about anyone offering goods or services will find the debit card system worth considering. It‘s just a matter of good busiâ€" ness because research shows that the more payment options retailers can offer, the wider their customer base. For the merchants, the debit card system provides improved cash flow; avoids loss through bad cheques; reduces the time spent hanâ€" dling, processing, and depositing other paperâ€"based forms of payâ€" ment; and lessens the security risk of keeping large amounts of cash on hand. Aside from a monthly fee for the rental of the sophisticated terminal equipment (which can also process credit card transaction), bank charges include a nominal transaction fee. Debit cards, then, are very attractive to both retailers and cusâ€" tomers. The customer doesn‘t need to visit a branch or automated banking machine to get cash before going shopping; debit cards are faster than paying by cheque; there is less risk of loss or theft than with cash; payment is made immediately; there is always immediate access to funds for emergencies or to take advantage of sales; and the transaction record is a handy way of keeping financial records in order. Cathy Schroeder of Springbrook Crescent, Oakville was the winâ€" ner of a PAAL II Personal Attack Alarm in a draw held at the Oakville Lifestyle Home Show. The unit was provided by Cynthia Cooper, distributor for Quorum International. It‘s relatively early in the development of the exciting payment system here, but extensive testing has provided a good indication of how things will develop. Testing in Canada and experience elsewhere shows that supermarâ€" kets, convenience stores, and gasoline stations will be major users of the debit card system. The process enables customers to pay for purâ€" chases by an electronic transfer from their bank account to that of the merchant. Specialty stores, small food retailers, restaurants, and department stores are also likely to find it an attractive payment option for their customers. Now that the debit card is being introduced in Ontario, what kinds of stores are likely to offer this service to their customers? How does the merchant benefit? FILTER QUEEN | POWERNOZZLE i _ TUNEUP TRESURE ISLAND BOOKS 250 Kerr St., Oakville (905) 845â€"8009 â€"â€" . Second Hand _ CD, Casselte, LP Jtem > | HOURS: Mon.â€"Fri., 10â€"9 p.m. Sot., 10â€"6 p.m. Sun., 12â€"5 pm. (NoExp. Date) | 112 Kerr St., 844â€"1913 For 14 Years We Have Been Offering the Most Diversified Complete Selection of Music at the Lowest Prices, This Side of Toronto | § Nothing‘s Changed ! 2 Floors of New U CD‘s, Tapes LPs Impoits Collectables Posters Tâ€"Shirts [ Rebec Gift Certificates 5 x Free Special . Any Regular Let Us find _What You‘re looking For! Bring in This Ad and Receive _ Filter Queen GENUINE PARTS FILTER Royal Trust investment seminar 128 Kerr St Oakville Authorized Warranty Service Centre Tâ€"Shirt, Poster or Second Hand Jtem with this ad Lakeshore Rebecca Sheet * Wedding Gowns Formal Wear Drapery Refinishing e Shirt Launderers *« Minor Alterations e Suede Leather 131 Kerr Street, Oak., Ont. (905) 844â€"2355 SPRING CLEAROUT!!! ALBERT‘S CARPET PLACE Door Mats and Area Rugs 1 DAY SPECIAL JUNE 4* Phone: (A16) 844â€"1246 The site is the Ultra Mart store at Upper Middle Road and Eighth Line. It officially opened last week. The first pilot unit opened in March at an AP store in London Ontario. Tim Hortons and AP foodstores have joined forces to create a unique new conceptâ€"a Tim Hortons outlet inside a supermarket. "We‘re very pleased with the response to the London operation," said Paul House, Chief Operating Officer for Tim Hortons parent comâ€" pany, The TDL Group Ltd. "This conâ€" cept provides a convenient way for our customers to enjoy the Tim Hortons products while they go about their daily routine." "This type of outlet provides high profile for Tim Hortons and hopefully gives AP a competitive edge in attracting shoppers," said House. "We believe it is a viable concept for both companies." Tim Hortons has been expanding into various nonâ€"traditional venues with locations now in hospitals, uniâ€" versities, malls and tourist attractions such as the CN Tower, the Ontario Science Centre and the Royal Ontario Museum. A sobering reality affects a large number of retired Canadian women every day. Poverty or livâ€" ing 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 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. T im Horton‘s in new ventur Health Welfare Canada states that 90% of Canadian women aged 65 â€" 69 depend on the govâ€" ernment for their retirement needs. Women need to take control of own financial destin Why are so many women illâ€"prepared for their THE OAKVILLE BEAVER 845â€"9116 Toasting Tim Hortons new program of grocery store units are: (I to r) Ron Joyce, CEO of the TDL Group and coâ€"founder of the Tim Horton chain; John Dunne, viceâ€"chairman in charge of merchandisâ€" ing for AP, Chris Bootlandm Manager of the Upper Middle Road Ultra Mart store and Jerry Good of AP. AP Foodstores Limited operates â€" Miracle Mart and Ultra Mart. baked goods segment with over approximately 240 grocery stores in Tim Hortons is Canada‘s largest stores from coast to coast, 35( Ontario, including AP, Dominion, â€" national chain in the coffee and fresh which are located in Ontario. ARGYLE MATTRESS MFG. CO. LTD. FACTORY SHOWROOM 120 KERR ST., OAKVILLE DIRECT TO THE PUBLIC 10 A.M. 5 P.M. 298 Kerr Street Oakville, Ont. L6K 3B9 Tel: 844â€"7735 15% off SPECIAL SIZES MADE TO ORDER Ana and Maria All Stock up to 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 actually spent working * the gender wage gap is 68.4¢ for every $1 a man makes. To further complicate their financial picture, women who choose to be "stayâ€"atâ€"home" mothers could end up foregoing their CPP, RRSPs, and priâ€" vate pension contributions. 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. All Stock Reduced to 40â€"50% ofrr Exclusive Custom Bridal Designing Complete Outfits for Bridesmaids Mothers Full line of Bridal Accessories Large Imported Canadian Bridal Fashions 374 â€" 376 Kerr Street Oakville, Ont. 7 A L6K 3B8 (416) 844â€"9441 FREE lottery ticket with every check cashed 338 Kerr St. Oakville, Ontario, LGK 3B5 Tel: 845â€"3737 as Low as 3# Frank Zora BRIDAL FASHIONS Blueprinting Copy Centre 136 Kerr Street Oakville, Ont., L6K 3A7 (905) 842â€"2432 Women need to take control of their own cial destiny. It‘s up to you to take the necessary s: to secure a comfortable future. Begin by asking yourself some questions. 1. Do you know your net worth statement? 2. Are you actively involved in the investm decisions? 3. Does your spouse carry the required amoun life insurance? Are you the named beneficiary? _ 4. Do you know the pension survivor benefi your spouse‘s pension plan? Gail P. Wiebe is a Chartered Financial Planner v The Investors Group. She lectures regularly women‘s financial planning issues. If you are having trouble answering any of above questions, it‘s time for you to find answers. NJT k A LANGUAGE WORKSH For annual tournament June 18, 19; Drumquin Pa: Call Lee 878â€"1276 or George 878â€"8584 _ Debbie McDermot 845â€"9407 MEN‘S FASTBAL TEAMS WANTEL 6 ADDITIONAL HOST FAMILIE: $85 PER WEEK REMUNERATIO FOR ROOM AND BOARD Can Lead To Special Friendships Juan Carlos Brendan McDermott MAVERICK _ _ (=3) PI"> WITH HONOURS THE FLINTSTONES pus JURASSIC PARK Now OrFN 7 NIGHTS A WEEK! NOTE: Main Feature Plays First NOTE: Main Feature Plays First Are Needed To Host Students from Spain July 3â€"31 Please Call ... June 1, 1