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1258 Euclid Ave.Cleveland, Ohio 44115

WOMEN AND MONEY:

Toward Economic Empowerment Of Women

A full day seminar, designed by the WomenSpace coalition, will be held on Saturday, April 29, 1978, from 8:30 a.m. to 4:30 p.m. at Cleveland State University, 1983 East 24th Street, Cleveland, Ohio. A full day of workshops has been designed to build skills and confidence for women seeking financial expertise and future independence.

PROGRAM:

8:30-9:00a.m.

Registration

9:15-10:00a.m. Opening Remarks Jane Campbell, Director, WomenSpace

10:15-11:15 a.m.

11:30-12:30 p.m.

12:30-1:15 p.m.

1:30-2:30 p.m. 2:45-3:45 p.m. 4:00-4:30p.m.

WORKSHOPS:

10:15 to 11:15

Keynote Speaker Betty Harragan, author of Games Your Mother Never Taught You Choice of Workshop Choice of Workshop Lunch

Choice of Workshop Choice of Workshop Wrap-Up and Follow-Up Schedule

A. The Economics of Marriage. Advantages and Disadvantages of Joint Income Tax, Joint Savings, Joint Investments, How to Provide for Children's Financial Security, Understanding Wills and Estate Planning, Marriage Contracts Joint Tenancy, Maintaining Financial Independence. Joyce Barrett, Attorney.

B. Income Supplements. Food Stamps, Medicaid, Medicare, Ald to Families with Dependent Children, Hunger Centers, Rent Supplement and Public Housing How These Funds Make Budgeting Easter for Low-Income Women, As Well As Those on Public Assistance.

Rev. Joan Campbell, Associate Director, Greater Cleveland Interchurch Council; Carol Elliott, Research Associate, Federation for Community Planning.

C. Investing: ABC's. The Stock Market, Bonds, How to Make Profitable Investments, What A Broker Can Do For You, Eliminating Psychological Barriers. Muriel Jeffries, Account Executive, Prescott, Ball & Turben; Linda Erlandson, McDonald & Co., Joan M. Rubin, Account Executive, Prescott, Ball & Turben.

11:30 to 12:30

D. Working For Pay Analyzing Your Salary .Package. Understanding Your Fringe Benefits, Negotiating For What You Deserve. Cleveland Chapter, Coalition of Labor Union Women.

E. The Economics of Women Alone. Analyzing Family Finances for the Newly Single (widoweddivorced), Managing Your Money Alone, Developing Equity As A Woman Alone, Do Single Women Need Wills?, Single Heads of Households Assuring Your Children's Financial Security, Donna Cummings, Manager, Contributions, TRW, Inc.; Joanne Jackson, Assistant Professor, Case Western Reserve University; Lois Graf, CPA,

F. Investment Strategy. Growth v. Fixed Income, Stocks, Real Estate as Investment, Tax Shelters, IRA, Keogh, Savings Programs CD's. Sally Gries, Vice President, Golenberg & Co., Kay Moore, Sr. Vice President, Prescott, Ball & Turben.

G. Fighting Job Discrimination. Using Equal Opportunity Compliance Agencies, Affirmative Action, How To Determine Whether or Not You Are Being Discriminated Against. Cleveland Women Working.

1:30 to 2:30

Becoming a Knowledgeable Consumer. Avoiding Consumer "Ripoff," Making An Effective Consumer Complaint, Reading Between the Lines in Advertising. Ruth Faulkner, Coordinator of Consumer Education, Cleveland Public Schools; Nora Castle, Call for Action.

I. Planning Now For Future Security: How to Get the Greatest Return at the Lowest Cost. Retirement Planning, Social Security, Insurance Programs, Pension & Profit-Sharing Plans. Karyn Pistone, Insurance Broker, New England Life Insurance Co.; Wilma Clayton, Field Represen. tative, Social Security Administration.

J. Buying A House or Condominium--What to Look For. The Cost of Maintenance, Obtaining A Mortgage. Margaret Stewart, Assistant Vice President, Shaker Savings Association; Dorothy Collins, Broker, Co-Mar Real Estate, Inc.

K. The Economics of Divorce. Advantages and Disadvantages of "No Fault" Divorce, Alimony and Child Support; How to Collect, Choosing an Attorney, Providing for Children's Financial Security, Getting Your Fair Share, Budgeting. Cleveland Women's Counsel, A Divorce Educa tional Service.

2:45 to 3:45

Your Personal Financial Profile. How to Analyze Your Own Finances, Budgeting, Savings Programs. Clara Spath, County Extension Agent, Home Economics, Cuyahoga County Co-op Extension Service.

M. Taxes: Pay No More Than You Must. How to File an Income Tax Return, When to Ask to Help from an Attorney and/or Accountant, What Are the Legitimate Tax Deductions? Elise Jancura, Chairperson, Department of Accounting, Cleveland State University.

N. Credit In Your Own Name. Effective Borrow.

Ing. Federal and State Equal Credit Opportunity Laws and What They Mean to Women, The Real Cost of Borrowing Money, Establishing Credit. Lillian Dean, Loan Officer, Union Commerce Bank; Alice Rickel, Attorney; Marie Ryan, Vice President, Credit Bureau of Cleveland, Inc.

I would like the opportunity to participate in the seminar Women & Money: Toward Economic Empowerment of Women. To cover registration, information kit and lunch, enclosed is:

Check for $10 (I am a member of WomenSpace)

Check for $15 (I am not a member)

I will need a scholarship

Name (please print)

Address

Telephone

Choice of Workshops (please circle 4): ABCDEFGHIJKLMN

Alternate choices (please circle 4):

A B C D E F G H I J K L M N

If there is an overflow in a specific workshop, it will be offered twice during the day. We urge early registration by mail since the seminar can accom. modate only 500 participants. Early entrants will be guaranteed admission and choice of workshops. Mail to: WomenSpace, 1258 Euclid Avenue, Suite 200, Cleveland, Ohio 44115.

Women comprise 51.3% of the population. 58% work because their family's Income would otherwise be below $7,000. 42% are heads of households, supporting themselves and/or their children. But women, as individuals, seldom claimed the right to be knowledgeable about Money! It is time that women take the responsibility of learning to utilize their money more effectively. There is an everincreasing population of women .. alone. Divorce last year created over one million newly single women. Young women are delaying marriage. Increased life expectancy has created an increased population of older women. Over six million women over 55 live alone. 85% of women in the United States must at one time or another be solely responsible for their own finances. It is time we all learn effective methods of money management.

coming up in the June issue....

• some seldom-heard herbs and what they do

• another crossword puzzle to boggle your brain cells

• answers from the author of Burning Questions

• and much, much more!

April, 1978/What She Wants/Page 13