reading _experien noe. | a "But ~ when'a husband dies, many women face the. additional burden of managing _ ‘the family’s _2 _ _@ the k iknowiedge. to. ‘deal wiih. “Although this may seem & a. harsh statement, it’s true.:: Many women, whether they, a ‘ments like Stade aesd Randa: oewwnees SOEEUs. VUES he ‘fife insurance well: “as the particulars © or work ‘outside the home : Or “thet, do. nat actively partici- _ pate. in family " financial ‘airs. AS &@ cOmSequence, © “make some of -the most important financial decisions of their lives. . "As the old saying goes, an " ounce of prevention is worth. ~ a pound of cure. And, in this -. . FASS s. . the. \prevention’ 4s _ Participation in planning and “managing the family’s finan-~ cial affairs. The first. step. is . ‘for the husband. and wife to. draw up a summary of “assets. This should include. such things as savings accounts, longer term invest- ‘By MILO KOVAR | ‘March 29 through ‘Apuit 4; . LEC -planet .Venus that of creativ- 0 and love. (in . Aries) - “fights” Mars, planet of to: ‘passion, drive, energy (in -Cancer). To avoid upsets in — ‘personal life as well in public © affairs and_ relations one should sit back and wait out — _ this confusing. period; other- -- wise unnecessary. strife and _ frictions..may. result. This advice applies in particular to those born under. Aries, | Cancer, Libra, Capricorn. | March 21 to April 20 Personal will power patterns conflict with the. wishes of. the family, parents, domestic affairs, real estate _ Specu- ’ Jative matters. TAURUS * ‘April 21 - to May 21 Obligations to family, debts of honor may prevent you to take the trip you planned on. Thought-confusing period. GEMINI | to Jane 21 . Your social .committments, ‘business projects _may lay heavy demands upon your financial status. Proceed with caution. ‘CANCER | Jane 22 to July 23 ¢ Your feelings may be under heavy stress as your mind/ intellect interferes with your judgement. Proceed with caution. LIBRA . /§ a“ “ I IA policies, | : “or employer pension Tenelite = - ‘they are often: ill-equipped | to. i , , and ©. oy pe vacation or sick leave, unpaid : commissions, etc. a a 16 may y qualify for orphan’ s' allowance. of $44.84. per. - | amonth and those’ who | are: ‘single, between 18 and 25. and are attending. school-are- ‘also entitled to benefits. ‘The: - family’s entitlement ‘to these benefits should be’ reviewed" ands added to the! list. oe . monthly as -qwed—should be in ot this: ‘summary. : ‘updated: ‘annually. “A copy . ‘should be kept: where it:can’ . be. quickly referred. to: voy the - on the mortgage are, an - -who-holds it; due dates and — - amounts of property. and car ~\. insurance. payments—in fact. any” obligation. the family has, and . to. whom _ it’s ‘Both. list - wife, | if necessary. _ Many people aren’t aware < of ‘payments available from. _ the Conada Dametnen: Dhae BE: a MRR Rees BS AGaeRe BE the husband has paid into the C.P.P.. since 1966, and was. earning more than ‘$9,300, . the wife is entitled to a $930 i ‘death : ‘benefit. She is. alco: lat the: Original, » | entitled. to $109.94 a month if | ‘under age 65, and $104.17 if . she i is. older. Children under. = Your vacation or travel plans “might be thwarted by unex- pected call of duty, family, | friends needing your assis- tance. Your mate’s financial needs ‘or. appeals for support by your business associates may . _» conflict with your business: - plans and projects. w ‘w Conflicts with mate, ‘friends may affect your productivity, -to October 23 ‘interfere with your job, ‘diminish | your — business, ' effectiveness. SCORPIO October 24 te November 22 Proceed with caution in dealing with partners, mate, romantic attachments. Unexpected — complications arise therefrom. $14 per day 687-7711 i” outiining vee SAGHPTARIOS © - November: 23 to December 21. +: Your: . speculative . projects : may. suffer some setback due . | . to mate’s, partners, business ve CAPRICORN ; December 22 Cisco, Ca. 94123; Peter’s Steam Cleaning dependents. A copy ‘should be kept in: the’. family’s” : safety-deposit. box, but: not. a | asa: hey te sealed. until ‘the - settled and so the will | - shouldn’t be locked away. . associates reticence. _ to January 20 | Domestic life. thay” gations, - to February, 19 . -. “Your travel -plans may be | _ » thwarted by unexpected calls. of duty or your. health. ' condition... Mind. © under . ‘to March 20 Your financial concerns and. : economic. . status interferes |. | with your love life, affairs of your children. HOROSCOPE ‘READING, COUNSELLING — (415) — 921-1192 or write to author - 2640 Greenwich, San Fran- - Follow Your Stars! - read Milo Kovar’s' - ASTRO-JOURNAL | - $2.00 - at: Seymour 1978; Books, | 1637 Lonsdale, N. ' Van. also Manual of Modern . Astrology $3.00. Carpet Steam Cleaning > . AT PRICES YOU CAN: AFFORD. : APARTMENT SIZED LIVING & DININGROOM ; 35° | COMMERCIAL RENTAL MACHINES tree pick-up & delivery Pager 3742 “An outline of liabilities and Ls ~~. commitments _ - should : also ‘be - developed. . - What the monthly payments “this way she is sure of having. d = ready cash: available if. she - ‘should need it. : needs”. money, - a insurance ‘firms. will ailvance” & advance funds. ee EE y also. ‘important. Even if you. an . don’t: need the money now,.- A will should be drawn up take out a small loan in your stating where. the assets of over a.period of time. That _ “way; you'll: have a, basis for’ OB easier access. to credit aba” time’ ae you may: most, "estate" are. “to BO. and | provisions’ vfor - BeBe: vues. ae estate “is. Mem 2s. well. decisions - | and. a. clear = suffer account of your.:social obli- . attachments and | business involvements. -_ AQUARIUS © 2» foe Pe ae ity your. “spouse’s estate is. 7 modest, sayin the $100, 000 © _ kange, and fairly: uncompli- “cated; with: only one. main beneficiaries; the use of. if: the widow finds ‘che. ‘most - life. or’ counsel, — your -{rust- company or bank | me manager | will be Pleased to ~ A personal credit rating is _ own name and pay it back =. a ‘The best. way. y of. reducing | ES | the burden’: of" financial . ee ae ese management.” “when: - “the A very important point. to breadwinner’ dies - is. ‘plan- remember is that you shouid-' ning. And the. best: time ‘to: n’t make - substantial finan-.. start’ this planning © iS: Fight cial commitments: or invest- : need it. you are under o We emotional stress: esuld prove. vee _. disastrous a few - Aponte 8 later. This advice: ‘applies ies . _Aimene “tel ot should “be: