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The color of love and friendship
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Above: Cover for Brothers and Sisters by Bebe Moore
Campbell. Published in 1994 by Berkley Books.
Sunday
Church 5eh001...........0 oo vin 230 am,
Morning Worship:......o....c.coeeosiio il 1 200,
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AUGUSTA, GA CHARLESTON, S.C.
(706) 869-1080 (803)766-5689
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Call 1-800-477-9778 for Additional Locations (31204546394 (912) 3542231
Join us at
Antioch Missionary Baptist Church
Rev. Kenneth B. Ma_rz’y, pastor,
Corner of Augusta Avenue & Florence Street
1454 Florence Street - Augusta, Georgia
724-2809 Church Office
}i" . i 3 MR flijé Al
SERVICES
Underwood Housing Community Services
Every first and third Sunday - 6:30 p.m.
What's color got to do with it?
Well, in this riveting tale, color
plays a major part in the corpo
rate world in Brothers and Sis
ters.
Esther Jackson, an African
American, isregional operations
manager at the Angel City Na
tional Bank in Los Angeles, CA.
She is looking to achieve her
dream of being a loan officer
and climbing the corporate lad
der. She also looking for that
perfect man who has a white
collar job, livesin a middleclass
neighborhoodand wantstotrav
el around the world. Mallory
Post, a white coworker, is aloan
officer who later befriends
Esther. These women, who are
from two different worlds, both
want successful careers and a
perfect man, but they each have
to come to terms with who they
are as women and friends be
fore they realize what theirtrue
dreamsreally are. Unfortunate
ly it takes the newly hired re
gional manager of Angel City
National Bank, the powerful,
attractive, conflicted African-
American man, Humphrey
Boone who comes between the
twowomen and forces Estherto
question her own heart on what
really makes us “brothers and
sisters.”
Brothersand Sisters describes
what it’s like to be an African
American in corporate America
and how a brother or a sister
has to be better than best to
succeed and reach the top of the
glass ceiling.
— By Tangela Richardson
: Wednesday
DIGDR BBIVACE. ........ooisoiooo 000000 ssuserss L 2 Pl
Prayer Service & Bible 5tudy............7 p.m.
Bounding toward retirement:
hahy-hoomer planning strategies
B As millions of baby
boomers roll toward
retirement, and Social
Security sliding into
an unclear future,
planning a retirement
strategy now becomes
a crucial issue.
If you're one of the 76 million
Americans born between 1946
and 1964, the Georgia Society of
CPAs (GSCPA) recommends
that you develop a strategy to
ensure you’ll have sufficient in
cometoaccommodate your needs
during your retirement.
Social Security
Contrary to what most baby
boomers think, some experts be
lieve that Social Security still
will be available when boomers
retire. If those experts are cor
rect, the problem will be that
there may be less money to go
around or that the benefits you
receive will be taxed more. The
amount of Social Security you
receive is based on how much
you earn during your working
career. Generally, the more
you’ve earned, the more you can
collect. However, boomers
should plan to supplement their
benefits with other sources of
incomein order to maintain their
pre-retirement lifestyle.
For an estimate of your future
benefits, call the Social Security
Administration at (800) 772-
1213 and request a Personal
Earnings and Benefit Estimate
Statement.
Pensions
Ancther traditional source of
retirement income is pension
plans. However, as a result of
voluntary job-hopping to get
ahead and involuntary changes
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MARK SUMMERS IN
THE MORNING!!
TODAY'S BEST
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Look in the growing classified section
of the FOCUS for your next job!
AUGUSTA FOCUS September 28, 1995
due to corporate downsizing,
baby boomers may not qualify
for the generous pensions their
parentsreceived by staying with
the same company for the ma
jority of their career. That’s be
cause each time you switch jobs,
youmust meet the company vest
ing period before you qualify for
a pension contribution. As a
result, you can lose years of pen
sion-saving opportunities.
Ifyou’re entitled toretirement
benefits from a current or former
employer, you should determine
exactly how much you’ll be re
ceiving during your retirement
years so that you can plan ac
cordingly.
Closing the gap
You’ll need about 70 percent
to 90 percent or more of your
pre-retirement income to live
comfortably during retirement.
Social Security paysthe average
retiree today about 40 percent of
pre-retirement earnings. Mak
ing up the difference is up to
you. If you’re an employee, the
best strategy is to take full ad
vantage of a 401(k) plan or other
employer-sponsored tax-de
ferred retirement plans. These
plans allow you to invest pre-tax
money for retirement directly
from your paycheck. What’s
more, your company may match
a portion of your 401(k) contri
butions.
If you're self-employed, con
sider setting up a Keogh plan.
With a Keogh plan, youcan make
tax-deductible contributions.
Annual employer contributions
to a money-purchase contribu
tion plan cannot exceed the less
er of $30,000, or 20 percent of
your annual taxable compensa
tion (not to exceed $150,000).
Earnings from all Keogh plans
are tax-deferred.
You also should consider in
vestingin Individual Retirement
Accounts (IRAs). All taxpayers
can deposit up to $2,000 each
yearin anIRA. Individuals who
are not covered by a retirement
plan at work, or who have mod
est incomes, may be able to take
a tax deduction for their IRA
contributions. The advantage of
making anondeductible IRA con
tribution is that earnings on the
account accumulate tax-free,
making it an attractive retire
ment-planning vehicle for any
one.
Tax-deferred annuities are
another option for building re
tirement savings. An annuity is
a contract promising to pay you
a regular income during retire
ment in return for the premi
ums you pay during theaccumu
lation period. The tax on income
earned from your annuity is de
ferred until you withdraw your
savings, just as with an IRA or
Keogh. However, contributions
are not tax deductible.
Don’t play it too safe
The biggest challenge for most
baby boomers is to invest ag
gressively. Lower interest rates
have made it tougher to build a
retirement nest egg with “safe”
instruments like certificates of
deposit and Treagury securities.
While growth stocks are consid
ered volatile investments in the
short term, with the retirement
horizon roughly 20 years away,
most boomers can afford to
choose stocks and mutual funds
that promise higher returns.
Post-retirement work
To fund a comfortable retire
ment, the GSCPA recommends
that baby boomers begin a di
versified savings strategy today.
If you don’t think you’ll have
sufficient income to retire com
fortably, give some thought to
how you can turn a hobby into a
business or market your talents
to earn extra income.
17