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you have probably heard the answer to this riddle 

 But, more importantly, let's consider another mind 

 teaser "When is an association stronger than the 

 sum of its parts?" 



The answer to the above question becomes apparent 

 when your organization uses its size and influence to en- 

 dorse plans and services at reduced or no cost. This is 

 exactly what has been done In the near future you will 

 be receiving word about three programs that are being 

 made available exclusively to you under the auspices of 

 The Plant Growers' Association Here is some introduc- 

 tory information 



Business Profiles is a nationally recognized, computerized 

 business planning, review, and organizational system 

 used by business strategists with their clients for de- 

 cades. This program provides the business owner with 

 an up-to-date-business valuation, a comparison of indi- 

 vidual financial ratios to industry averages, tax projec- 

 tions, cost projections, and much more. 



The Business Profiles service begins with the completion 

 of a business fact organizer, as well as a business goal 

 and concern compendium. It all results in a report con- 

 sisting of organized status pages, graphs, charts and pro- 

 jections that ranges from 12 to over 100 pages 



Financial Profiles is a full-scale personal and family plan- 

 ning and organizational system It has been used by fi- 

 nancial planners to set savings and investments goals 

 and strategies for clients with small and large estates 

 and portfolios This system also provides the size and 

 detail of Busmess Profiles but centers its attention more on 

 personal goals pertaining to retirement, family savings, 

 insurance, and investment programs, as well as tax sav- 

 ings strategies You can compare your current plans and 

 assets to your goals and consider specific investment re- 

 sults and inflation rates while keeping an eye on risk 

 and stability 



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Discounted Disability Programs have been negotiated for the 

 benefit of the members of your organization You are 

 now eligible to receive premium, personalized disability 

 income protection at rates below those offered to the 



Bob Normandeau 



general public You are not limited to one or two plans 

 like many groups, but may select the program that suits 

 your personal and business needs. Consider the follow- 

 ing facts: 



I. One of every eight people will enter the hospital in 

 the next 12 months because of injury or illness 

 (source: National Center for Health Statistics). 

 2 One our of four adults at age 45 and under will be 

 disabled severely enough at some point during 

 working life that they are unable to work for at 

 least PO days (source: National Safety Council). 

 3. The median income level of the disable worker drops 

 62 percent (source: Social Security Administration) 



Now, take a moment to read the following survey: 



If you were disabled: 



a Would your business rent or mortgage be paid? 



b. Would your employees' salaries be paid? 



c. Would your employees receive the benefits you 

 promised them? 



d Would your property and casualty insurance 



premiums be paid? 

 e. Would your business taxes be paid? 

 f Would your business utility bills be paid? 

 g Would your inventory bills be paid? 



After reading the above facts and answers the above 

 questions, you can probably begin to appreciate the 

 role of personal and business overhead disability pro- 

 tection. 



You are also probably ready to solve the riddle, 

 "When is an association stronger than the sum of its 

 parts?" But what about the answer to the question, 

 "How can I afford the cost of sophisticated annual busi- 

 ness and financial planning services?" Once you learn 

 that the fees for Business and financial Profiles have been 

 waived exclusively of The Plant Growers" Association 

 members, this riddle can also be answered 



You will receive more information regarding these 

 new services and how they can help you answer the im- 

 portant questions about your personal and business 

 plans After all, you already know that a door is not a 

 door when its ajar 



Boi> \^ormandeau is at V/ageman Insuraiice, 1217 Elm SIreel, 

 Manchester. NH 03101 He can be reached by phone at (603) 

 623-2451 or 1-800-430-2451 



OCTOBER /NOVEMBER 



