household and mdn-u- sions with market value. Use the estimated ‘selling| value for all items, not how much you paid for them or how much it would cost to Your assets include your share of familyâ€"owned assets, such as your home, and the value of own one, or your share if you‘re a hom-ml car, right down to MOvemrhavo‘ uow ) JOur . â€" HOV wuï¬"â€"_h-m-ï¬mu mmh-?.m, debts or liabilities. It‘s something of a i map anan t es :)(:q‘lso_nultbtplez:t' T t 4 % doultmnnjuum own. svemiingh mmating uh Sond mw-, from. cash nvm RRSPs, the cash value of your life financial planning seriously, it‘s necessary:>to know â€" your "net ‘Net worth calculation first step in financial planning 152 Homewood Avenue _ Kitchener, Ontario N2M 4G3 Bus.: (519) 570â€"1591 Life, Group, RRSP, Disability, Mutual Funds representing Empire Financial Group Tax Savings Now Financial Security Later Feel Good At Tax Time â€"â€" RRSPs From Equitable T6X ine net worth figure is ï¬eï¬ï¬mboemnyou‘nunlikdy to have to sell everything you own and pay off all your debts. _ But the net worth figure is essential to see clearly where you stand and to decide if any changes are needed. H'T{befwthoï¬mï¬meenr. you‘ll be able to make objective and, informed decisions on how you use your income. what Furthermore, knowing ‘s liabilities will give you a strong Tbnmh’*rmuwm_"" : m'm As we with the result. Clearly, in one al debts or your share of them, such as the house mm outstanding loans or credit card balances, and debts to fri or or a share lh_n_nnfitglflt'.ï¬-uwl{m (omy how dn rould w Becond, list everything you owe. hadâ€"to pay all your debts or your share u(!thcn. planning: Without it, you can‘t make ~valid investment judgeâ€" nâ€":mmm.{m any substantial borrowing as well as for estate planning. If you don‘t have your net worth number in place, start work on it soon. You won‘t regret it! incentive to save, as opposed to m.wthnh Knowing your net worth is also the essential component in all Business and Personal 380 KING ST. N., WATERLOO 725â€"5149 2. Convenient office 3. Fast pickâ€"up & 1. Personalized in~home SERVICE 3Sâ€"WAY TAX PREPARATION SERVICE Get More Long Distance Value with Smart Talk Network telecommunications services in | Tel. (519) 747â€"4831 Fax (519) 747â€"4818 Make STN your First Choice for Long Distance Serving A NEW ERA in Canadian Business CRTC decision 90â€"3 permitting the reâ€"sale and sharing of _ won Soirncem 6 NETWORK, Ontario‘s alternative long distance phone 15â€"105 Lexir?ron Road, Waterloo, Ont. N2J 4R7 Tel. (519) 747â€"4831 Fax (519) 747â€"4818 STN is leading the way, offering economical voice and 20% services to Ywmmgmmh %Tï¬mmdm‘m charges, business customers can Whg\:mmflm $ international calls as well. ERLOO CHRONICLE, WEDNESDAY, FEBRUARY 6, 1991 â€" PAGE a17 UmMLrY PLUS INC. THE DEATH OF SOMEONE SPECIAL Every Wednesday Evening beginning January 30 to March 20, 1991 7 â€" 9 p.m. EVERYONE IS WELCOME to attend all of the following: A Mutual Support Group for people in their middle years who have experienced The Reception Room Of The Funeral Home FUNERAL HOME LIMITED 171 KING STREET SOUTH WATERLOO 745â€"8445 © leeding People + NO monthly access fees * NO tong term contracts You anly pay for your long distance usage. And, just so you‘ll know exactly how much you‘re benefiting with STN, We‘ll send you detailed monthly billings that show yearâ€"toâ€"date savings STN gives you a competitive communications edge that you‘ve never had before, and it‘s ready to go All you have to do is call us Connection to our voice and data network is absolutely free. Smart Talk Network . . . providing mm-wwm choice more information on revolution in distance communications, just ick up the phone and call Smart Talk = NO installation costs