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(â€"pm»rF°(r The millionaire formula Blair Fowlie raises her hands in celebration of an overtime goal that turned out to be the winner as Waterioo collegiate Vikings girls soccer team edged Bluevale Knights for the Waterioo County high school girls soccer championship. Then on Thursday Vikings won the Central Western Ontario title with a 4â€"0 win over Gueiph Centennial after beating Knights 5â€"1 in a semiâ€"final game. Richard O‘ Brien photo â€"Everyonedreamsof someday becoming a milliâ€" onaire. We buy tickets on lotteries and dream on. But alas, most of us pass it off as wishful thinking or dreamâ€" ing about things that can never really be But. have you ever thought about working out a formula to become a milliâ€" onaire? Is it possible for Mr and Mrs. Ordinary Canaâ€" dian to achieve that status? It certainly is, if you use the magic formula of TMR (Time + Money + Rate of Reâ€" turn) and recognize that TIME is the most impor tant item of those three All three are important Money is a necessary ingreâ€" dient in the formula, and rate ofretgm is equallg‘.in;‘- portant. But time, whic can never be regained, is by hrhdiemiltlnmm. rse e ques tion: “&1 I was 25 years save $40.73 per month"" For many p:rkwdnythat represents only 4 hours or less work per month, or one hour or less per week. Putâ€" ting it simply, it means sav ing $1.85 per working day, assuming there are 22 working days per month years old â€" can or could I Many people spend that much per day, 30 days per month (not just 22 working days) on such things as ciâ€" If you do save $40.73 per month for 40 years, at 15 per cent per year gain, you will end up being a millionaire garettes and junk which do us no good It‘s that simple _ But whatif youonly have 30 years to retirement? Then you would have to much per month, again asâ€" month?" * IS SHE HAPPY? suming 15 per cent return, which amounts to $166.66 per month. So . .. if youstart at age 35, saving that $166.66 monthly, at age 65 you‘ll be worth $1 million. So far, most of us, if we really *wanted to, can be come millionaires". But ... most of us only "dream" about wealth when we‘re young, and really don‘t make any plans or formuâ€" late programs to accomâ€" plish it. We can justify spending everything we earn on cars,. good times, family, house, furniture, children, college, etc It‘s only in later life that we start thinking about our financial future (a very se rious mistake) and at that time we‘ve lost the most val uable asset in creating wealth, namely a good part of the time noedeg to build wealth. If we are 45 years old we would have to save $707.35 monthly, and if we were 50 years old it would be $1,522.98 per month, to achieve that millionaire status at age 65. These fig ures assume 15 per cent avâ€" erage annual return. and you leave all the assets there to compound A normai return The investment fund in dustry figures that 15 per cent average annual return averaged over 15 per cent is normal for good invest ment (mumh’unda There are many, many funds in the past 10 years that have The Dickson Foundation for Special Learning is offering an academic music & drama summer school program for learning disabled students from July 3 â€" July 29. Doy students or residentiol setting offered. Registration deadline June 17. For further information call SUMMER SCHOOL PROGRAM IT‘S YOUR MONEY Paul J. Rockel 744â€"4464 over that time span that exâ€" ceed 20 and 25 per cent a year. True, it is never 15 per cent a year, but there are years of 20 per cent. 30) per cent and higher gains, other years with little gain, or even a loss. But, the 10 years and longer averages usually achieve 15 per cent and better Here‘s the formula (@15%) to become a mil honaire. Age 25 = 40.73 monthly "_ 30 = 82.24 monthly "_ 35 = $166.66 monthly Pau! J. Rocuel is President of Rega! Capital Planners Lid. and The independent investâ€" "_ 55=$3,568.99 monthly "_ 60 =$10,747.50 monthly At age 45. you‘d have to save $707.35 monthly, at 15 per cent. If you rate of re turn was 11 per cent, you‘d have to save $1,169.34 monthly. which is $461.99 For a FREE table on what 22 investment funds have done over the past 8 ears, ask for "10,000 *able" and write: Paul J ment Fund Deaiers Associaâ€" tion of Canada. Rockel, 153 Union St. E Waterloo, Ont. N2F1C4 Let‘s all become million aires! MORE per month 51 52 53 45 ADVERTISEMENT 40.7.3 monthly 82.24 monthly $166.66 monthly $340.54 monthly $707.35 monthly $1,522.98 monthly $1,789.02 monthly $2,109.45 monthly $2,498.61 monthly $2.976.01 monthly FOR CHILDREN AGES 5â€"12 Swimming â€" Hiking â€" Arts & Crafts Nature Lore â€" Special Event Days WATERLOO PARK ST. MICHAEL‘S SCHOOL UNIVERSITY AVE. WEStT WATERLOO Camp 1 July 2â€"12 Camp 3 July 29â€" Aug. 9 Camp 2 July 1526 Camp 4 Aug. 12â€"Aug. 23 Sooooaken ie 378 Weber St. W. Perms $28.00 with cut Men‘s Haircuts $6.00 Women‘s Haircuts $7.00 Boy‘s Haircuts $5.00 All Senior Citizens $2.00 Off Everything There is a Difference announce the opening of his newest shop. Adam would like to invite all his friends and customers to see him at 378 WEBER ST. W. KITCHENER border of Kitchenerâ€"Waterioo past Forbes, before Gueiph St. on Weber, on left hand side. a The Dual CSâ€"616Q is a precision crafted uU Plj semiâ€"automatic directâ€"drive turntable. feaâ€" turing Dual‘s exclusive ultra low mass tone arm that will track even the most warped records in your collection. Includes Ortofon cartridge and 3 year extended warranty AZIEARP ILET se Smice seling combinaâ€" tion features a Lear Jet Aâ€"77 inâ€"dash cassette player with AMâ€"FM Stereo, locking fast forward. tone control and a pair of Audiodek 6x2 threeâ€"way speakers. The same system including Lear Jet 6862 seven band. 60 watt equalizer $199. Adam‘s Unisex & WE‘VE GOT IT ALL FOR AFâ€"HOME & ONâ€"THEâ€"GO 618 King St. E. at Pandora, Kitchener, $79â€"1950 Cost $70.00 per camp Includes juice breaks and a DAY CAMP FOR APPLICATIONS CALL CYO DAY CAMP 744â€"7001 749â€"0606 open Mondays $ 149. $ 199. WATERLOO CHRONICLE, WEDNESDAY, JUNE §6, 1985 â€" PAGE 25 » nbrdge stare ANNOUNCEMENT Enjoy terrific sound on the beach. J in the backyard. in the bedroom or wherever you go with the JVC PCâ€"550 portable. Features AMâ€"FM Stereo. Dolby B & C. autoâ€"reverse cassette player. 5 band equalizer. 54 watts of total power and twoâ€"way Cathy Longmire is now on staff at Belmont Hairstylists. She invites her friends and clients to call her for an appointment at 743â€"3697. detachable speakers 713 Beimont Ave. W. Kitchener 743 BELMONT HAIRSTYLISTS Our $849 Pioneer system @m begins with a 40 watt per channel amplifier and a sensitive digital tuner with 12 station presets. Next comes a semiâ€"autoâ€" matic beltâ€"drive turntable and a cassette deck with Doiby noise reduction. Then add a pair of Pioneer speakers and you‘ve got a system that can‘t be beat for high quality sound and good looks‘ Includes stereo stand and 3â€"5â€"10 year extended warranty aa am BINGEMAN PARK 1380 Victoria North, Kitchener â€" 744â€"1555 GARAGE SALE Marshalil Hall, 10 a.m.â€"4 p.m. General Admission: 25¢ per person Free Parking â€" Food & Beverages available Limited space available. Booth rental $10 Giant Indoor Buying, selling, trading â€" looking for a bargain? Fri. 8:30â€"5:30, Sat. 8â€"5 p.m. i';l-:lF.“’ M OPEN TO THE PUBLIC SUNDAYS Cathy Longmire 743â€"3697