Return to the News Waves Center.
You may also go to the IWVC Home Page.

Insurance Women of Ventura County,
   P O Box 2217,
      Ventura, CA 93002.

September 2005 Bulletin.

The Insurance Women of Ventura County (IWVC),
Affiliated with
National Association of Insurance
Women.

Table of Contents.

• FROM THE PRESIDENT;
• HAVE A WONDERFUL;
• UNIVERSAL CURE-ALL;
• SEPTEMBER GENERAL MEETING;
• CALIFORNIA STATE COUNCIL OF NAIW WEB SITE;
• SOME BASIC FACTS WOMEN NEED TO KNOW;
• WHAT'S HAPPENING;
• WE NEED SUGGESTIONS FOR PROGRAMS;
• THIS IS YOUR BULLETIN;
• To succeed;
• EMPLOYMENT BULLETIN BOARD;
• ELITE STAFFING GROUP;
• NAIW;
• FOOD FOR THOUGHT.

From the President:

September 11, 2005.

Dear Members and Friends,

Can it be September already? Are the little darlings heading back to school? Where did the lazy days of summer go? I hope that everything this past summer was good for you.

We are looking forward to a very good year for IWVC. We will kick off the year with a "Woman's Guide to Retirement" presented by State Farm agent, Gary Scott. This is a don't miss since no matter how old you are today, your retirement is down the road of life or around the corner. Come learn just what special needs women have for their retirement.

Are you going to the State meeting in Fresno on September 16-17? This is the most financially easy meeting for us in California. Fresno is four easy hours up the valley and the Insurance Women of Fresno always produce a great event. The women you meet at these meetings are just wonderful and you will be forming life time friendships with them. Please think about it as there is still time to register for it.

Looking forward to seeing you all in September at the Marriott Hotel in Oxnard.

Yours in fellowship,
Ruth Uridel, CPIW.

  Table of Contents.

Have a wonderful & restful Labor Day !

  Table of Contents.

Universal Cure-All.

A doctor called his plumber late one night. "You've got to help me," the doctor whined. "I have a leak in one of my pipes." "But it's the middle of the night," moaned the plumber. "So?" said the doctor. "That never stopped you from calling me." "You're right," said the plumber. "Now tell me again, what's the problem?" "There's a leak in the pipe of my bathroom sink." "I see," said the plumber. "Here's what I want you to do: Take one aspirin now and drop it down the drain. If the leak hasn't improved in a few hours, use two more every four hours after that. And give me a call if nothing's changed by morning." "You're kidding, right?" asked the doctor. "No," said the plumber. "I'm going back to sleep."

Adapted from The World's Greatest Collection of Clean Jokes,
BOB PHILLIPS,
Harvest House of Publishers.

  Table of Contents.

September General Meeting,
Insurance Women of Ventura County.

WHEN: Tuesday, September 13, 2005.
WHERE: Marriott Courtyard Hotel,
600 E. Esplanade Drive,
Oxnard, CA 93030,
(805)988-3600.

(Take highway 101 to Oxnard, the Vineyard Street off ramp. Turn South on Vineyard and proceed to Esplanade Dr. Take a left at Esplanade and proceed to the end of the street.)

AGENDA:
5:30  -  6:00 pm - Attitude Adjustment.
6:00 - Dinner From the Marriott menu.
6:30 pm - Woman's Guide to Retirement,
Presented by Gary Scott, State Farm Insurance.

R.S.V.P., please, to Ruth Uridel (805) 302-3238.

  Table of Contents.

CALIFORNIA STATE COUNCIL OF NAIW WEB SITE:

www.cacouncilnaiw.com.
If you go, close the new window to return here.

  Table of Contents.

Some Basic Facts Women Need to Know.

According to the National Center for Research:

• 40% of married women are still not involved in the decision making.
• The average age of widowhood is 56.
• 90% of all women become solely responsible for their own financial welfare during their lifetime.
• 71% of the elderly are women. Of this group, 48% are widowed. 80% of widows now living in poverty were not poor before their husbands died.
• Women change jobs more frequently than men.
• Women wait longer to start saving for retirement.
• Half as many as men receive pensions.
• Women ages 35-44 earn approximately 72 cents for every dollar earned by men, while younger women earn, on average, 84 cents for every dollar.

What does all that mean?

Women have different and more demanding needs than men when it comes to investing and retirement planning. A woman lives an average of 7-9 years longer than men, so she should be prepared to outlive her husband. The average man retiring today at age 65 is expected to live another 25 years. Without adequate savings, she could outlive her money. Women today cannot expect Social Security and pension benefits alone will provide enough money to maintain their pre-retirement living standards. The average man retiring at age 65 collects $782 a month in Social Security benefits, compared to only $523 for the average woman.

Also, many women give up jobs in order to provide care for the family, and on average, tend to change jobs more frequently. As a result, women are less likely to be 100% vested in an employer's pension plan. For every year a woman stays home caring for a child or other family member, she must work 5 extra years to recover lost income, career promotion, and pension coverage. Staying out of the work force for only seven years during a 49 year career may cut retirement benefits in half.

Based on these facts alone, women need to save more for retirement than men. A single woman earning $50,000 a year needs to have saved $55,000 in her retirement account by age 35, as opposed to a man, who need only to save $16,000.

  Table of Contents.

WHAT'S HAPPENING??

  Table of Contents.

WE NEED SUGGESTIONS FOR PROGRAMS
FOR THE UPCOMING YEAR!

Please call Ruth with any potential program or speaker suggestions you may have.

  Table of Contents.

THIS IS YOUR BULLETIN.

Your contributions are welcome. They can be articles, jokes, recipes, informative bulletins, whatever! Be sure to get your bulletin contributions to bulletin editor, Kriss Halperin, by the monthly board meeting. The Board meets on the 4th Tuesday of each month. You may bring the item to the meeting, fax it to Kriss at (805) 987-5913 (you may have to call first, same number), or Email to krissy1947@adelphia.net.

Advertise in our bulletin! Yearly rates: a business card sized ad is $25.00, 1/4 page is $50.00, 1/2 page is $100.00.

  Table of Contents.

To succeed, you have to believe in something with such a passion that it becomes a reality.

ANITA RODDICK,
Founder of The Body Shop.

  Table of Contents.

EMPLOYMENT BULLETIN BOARD.

If you have a position available or are seeking employment, you may place your ad in our bulletin free. Contact the Editor or any IWVC Board member.

POSITIONS AVAILABLE:

Rapidly growing agency looking for producers. This offers excellent opportunity for persons seeking a career in sales - Bob Hope & Associates (805) 644-4673.

Gary Scott, State Farm Insurance, has an opening for a front desk person. No license or experience necessary. Call Gary at (805) 339-9533.

Eastern Ventura County agency looking for Commercial CSR. Must be licensed, experienced. Please send your resume, in confidence, to (805) 715-7031 or contact Kriss Halperin (Editor) at (805) 553-0505 X327.

  Table of Contents.

Elite Staffing Group.

Employment Placement.

Katie Novak, C.A.C., President,
(805) 639-0935 Phone,
(805) 293-8720 Fax,
knovak@elitestaffinggroup.com,
www.elitestaffinggroup.com. (Close the new window to return here.)
1746-F S. Victoria Avenue #178, Ventura, CA 93003.
Where you go for the very best!

  Table of Contents.

NAIW.

National Association of Insurance Women, International.
800-766-6249,   918-744-5195,   Fax 918-743-1968,
Website: www.naiw.org,   E-mail: naiw@ionet.net.
(Close the new window to return here.)

• Industry Education,
• Business Networking,
• Leadership Development,
• Member Services.

Lockbox for payments & Dues:
     Department 2214,
     Tulsa, OK 74182,
     Mail: 6528 E. 101st Street, PMB#750,
     Tulsa, OK 74104-4610.

Belonging is Good Business.

  Table of Contents.

FOOD FOR THOUGHT.

I recently bought a book "Pain is Inevitable but Misery is Optional - SO, Stick a Geranium in your HAT and Be Happy!" by Barbara Johnson. There are some really funny chapters and I am sharing this one for two reasons - it's funny and it's about insurance:

One thing about laughing, it's hard to do alone. You usually need somebody else to watch, listen to, or react to in some way. We can't do it all alone, whether it's laughing or anything else worthwhile. We need other people in our lives. We need other people to help carry the load. Sometimes, I tell people to read the following story to their families so they can all laugh together. I don't know the original source, but it illustrates beautifully that you "can't do it alone." When one man was asked to fill out a group insurance form explaining the many injuries on which he was making a claim, this is what he said:

I am writing in response to your request concerning Block No. 1 on the insurance form which asked for the cause of injuries, wherein I put "Trying to do the job alone." You said you needed more information, so I trust that the following will be sufficient.

I am a bricklayer by trade, and on the day of injuries, I was working alone, laying brick around the top of a four-story building, when I realized that I had about five hundred pounds of brick left over. Rather than carry the bricks down by hand, I decided to put them in a barrel and lower them by pulley, which was fastened to the top of the building. I secured the end of the rope at ground level and went up to the top of the building and loaded the bricks into the barrel and flung the barrel out with the bricks in it. Then I went down and untied the rope, holding it securely to insure the slow descent of the barrel.

As you will note on Block No. 6 of the insurance form, I weigh 150 pounds. Due to the shock of being jerked off the ground so swiftly, I lost my presence of mind and forgot to let go of the rope. Between the second and third floors, I met the barrel coming down. This accounts for the bruises and lacerations on my upper body. Regaining my presence of mind again, I held tightly to the rope and proceeded rapidly up the side of the building, not stopping until my right hand was jammed in the pulley. This accounts for my broken thumb.

Despite the pain, I retained my presence of mind and held tightly to the rope. At approximately the same time, however, the barrel of bricks hit the ground and the bottom fell out of the barrel. Devoid of the weight of the bricks, the barrel now weighed less than about fifty pounds. I refer you again to Block No. 6 and my weight. As you would guess, I began a rapid decent. In the vicinity of the second floor, I met the barrel coming up. This explains the injuries to my legs and lower body. Slowed only slightly, I continued my descent, landing on the pile of bricks. Fortunately, my back was only sprained and the internal injuries were minimal. I'm sorry to report, however, that at this point, I again lost my presence of mind and let go of the rope. As you can imagine, the empty barrel crashed down on me.

I trust this answers your concern. Please know that I am finished with trying to do the job alone.....

Contributed by Gerry Mellon.

  Table of Contents.

Return to the News Waves Center.
You may also go to the IWVC Home Page.