POSTMASTER: Publication...Second.Class Mal Tas Prepare? >) A Lonpolet a epee Bottom Line co VWoLUNE #7 NUMER 2 A=... Sé00 minent economist Henry Kau ‘man expects the economy to ex. pand by af least 2.75% in 1996 and cor- porate profits to increase by 8% to 9%, Result: The Dow Jones Industrial Av- erage will continue to rise through June, supported by greater merger activity and a steady flow of cash into the stock market. The second half could be trickier as annual inflation starts to cmb from 2.5% to between 3% and 3.5% by yearend. ene) Kutna san of Wad Set hrowdet nce and presen’ ay Kaban & an ‘ttn aelacone teste fe ot mares ore thap 850 nln, 55%, New York 00 racle melatonin can be danger ‘ous, despite popularity asa treat- ‘ment orinsomnie, cancer and more, we hear from Dr. Victor Herbert. Rss The most widely available dosage of 2 3 mg—up to 10 times the effe dosage—can cause insomnia, mares...headaches...mental impair- rment...and decrease certain hormones. Short-term melatonin use may be help: ful but frst speak with your doctor. ‘Vet Herbert MDD, indelr ofthe won program at Mount Sinai School of Meselne in Rework Byiemertarce refinancing oppor tunity now—if the interest on your adjustable- or fixed-rate loan is 9% or higher, we hear from Fannie Mae’s David Berson, Reason: The 30-yea fixed rate has declined to around 725%, Example: If you borrowed $120,000 in 1995 at 9% and refinance now at 7.25%, you will save $147 a month. Strategy Shop for the best rate by caling atleast five different lenders, Davi Bers isch econ fF ‘govern conpary tht bape noe thom estore. 2000 Wenn dae NW, Wo Sago, DC 2018 In this issue init Dangle ear Anite anys 8 sofa sre come or a hago? Senatvelnostr.3 treed Iamnenceaeoreocn: ium wiles 10 Tinie nce Dap jet (Bow epee nectinan hye nn Tt pester Chol ee aingrewewsne 6 ase Uther tie gcae Cec owt a ihe ‘er gene eas abnage 13 Dr. Bernie Siegel Tells Us How to Put Much More Happiness i in Our Lives ach now year brings ambitious attempts to kick bad habits live a healthier life...and ac- ‘complish more at work. Bat this year, instead of trying to reach many different and difficult goals, resolve tn achieve just putting more happiness in your life. Keep this resolution, and your life and immune system will improve, re- sulting in a healthier-—and more pros- perous—year. Simple ways to put more hhaptiness in your life *Change your attitude about your job and colleagues. Ifyou are stuck in a job you hate, explore your options for change and make an effort to switch to a career you will find ‘more personally satisfying. But if you can’t change jobs—for fe nancial or career reasons—change your attitude toward your job and the people with whom you work If you need motivation, listen to tapes. .read uplifting books...and talk to inspiring people. By behaving like the person you want to be, you can vast- I improve your life. The more you practice your new attitude, the better you'll become at reversing your bad moods and un- healthy feelings, «Make time for activities you enjoy. Studies have shown that when people work on projects or hobbies | that they enjoy, their blood chemistry is altered almost immediately in a positive way. When your blood chem- try is altered in this way, it increas- ‘es your body's resistance to infections and life-threatening diseases, Key: Engage in activities that make you lose track of time. Such activities de- pend on the individual—and can range from washing a car or painting a house to reading or exploring the Internet, Change the way you think about faiture. Future isa state of mind. When yotiailto live up to your expectations or those of others, you can dwell on ituntil you fee! terrible about yourself. Or you can choose never to feel this way again by thinking of failure as a redirection that leads to good things. Remember that “P" does not have to stand for fail- | «wre, Iban stand for feedback, People who learn from upsetting events and then move on ate happier and healthier than those who dont. My wife has a wonderful saying— Never consider yourself a failure. You can always serve as a bad example. She knows that there isa use for every. thing—even failure—and that we can Tioton Line Ferra wtarvewel Here Se 2. aad acunerom het a ear Exe {Cancer Pte nog apr row fr ple wh xboard nes FeMoodbrdee, concen en nts) Dr Seal sues lamers he sat Yle Lsineny Scoot tse nt auton ae fein beckon, Nene om Mira eps Cols S19 ene Lave and Hag ape Cle, Sts el eo ie Btn Ofer Yah Ge te {i Loe a eat Gap Callan 33, ee Getting the most for your time and money Eee Coke! Analyns Jack sehwe gerBottom Line ee PERSONAL Saas ecu cen Sonor Ee ery. Aoumg Mare angio aber Daido Prien i al on ‘ert noes Se ere Bay Sth Sans Veg Cnobut tia: curt ery rom, Oxo St rp Note ten tna Foo es Ser Bah en See cr Bey Pea ‘tna lee, ot Semen on Bs boric dw Ws firs sens yc “Meeps wrt Teer fon era ny ee gor Eeipfontmnty unig asso eee PANEL OF EXPERTS, Banaa Saornon (te 8 Bote BET ence eect ee en See = a Bipanmowoseaca enna. ere et aretong. Wok a ace epee! Se isi ‘SSS Rash ahi Seki neontcamnsereiamtecenn EET Big cu.ctcjovnted toons re ‘or roe Spgu oan eae be redone ns ese ares Ma nesrge eae been tacioieenentra ACS He conc Sere a Reewiners” TE Be 10 Sony lb PD Been on Bieter: sn ssrscmera og fern Sgelocoma. no iPro. sey gg O.c0A. te 4 Masta! Bp Neca ono TBS rpgvcemnncto ace ALLEL ovccr a ua ae ‘oat aga br Suen Oo sone cet oneraerg cos paar wa acer deus he 60 Bart fe ane na ore grt che & Soe cease seit tin C0 a ee ee aa Pens ea cope zt barre a (ident Sr bts Soni S0 80D Tose se Erosiaratine on beer ee | derive something good or beneficial from every unhappy life event. +Get fully in touch with your fee!- ings. Most of usare extremely adept at repressing issues with which we would rather not deal. We distract ourselves by cramming so many activities into our schedules that we never have time to get at the root of what is making us feel unhappy or anxious. If you take the time to get in touch with your feelings, you can discover and heal the source of your psycholog- ical pain. Keep a journal. One of the best ways to got jn'touch with your felings is to record them in a journal every day. Carry a pad andl pen with you, and jot down anything that moves you as each day progresses—whether the events are happy or upsesting. ‘At the end of each day, read over your notes so you can remember how you felt at specific times and what may have caused those feelings. You may also ‘want to add to your notes. ‘Studies have shown that people who write regularly in journals fee! less stressed and areless susceptible to var= ious diseases. «Treat yourself.as you would treat a beloved pet. Many people have problems treating themselves well, ‘They don't forgive themselves easily for ‘making mistakes and do not give them- selves permission to enjoy lie ell people to take care of them- selves a they would a pet Examples: Would you allow your pet te smoke? Drink too much alcoho? Bee ‘come obese? Of eourse not. You make sure it gets exercise, good food, occasional {reals and enjoyable toys. And most impor tant, you ge tots of hugs and express yout lowe Do not resolve to eat a healthy diet and get plenty of exercise to avoid dying. Eata healthy diet and exercise because you care enough about your salfto do it. Love yourself enough to enjoy the beautiful things in life without feeling guilly. Buy a nev outfit. Take a day off from work and go to the movies. Lighten up, and spend some time playing. «Make a difference. Individuals who help others several times a week, often live longer, healthier lives. ‘When you volunteer to help other, PERSONAL people, you fee! better emotionally and physically. You achieve a natural high. | Idlike sense of see the silly side of almost everything in life, you can use humor to get, through the ordinary hassles and cise you face, Watching humorous | movies and TV shows can boost your physical immu: | Ifyou despise your job and hate going, back to work on Monday. are scheduled for a medical tre you dread, your body wil start releasing stress-provoking chemicals before you gel lo the office or hospital. You can neutralize this reaction by reading. an amusing book, listening to a funny tape ‘or just looking for the humor in life ‘Take charge of your life, and decide | which labor pains you are willing to experience in order to give birth to yourself, 7 Di How to Fight Property Taxes. How to make sure your assessment is and how to appeal it's not. Best ways its, "atonal Taxpayers Union 108%, Aled, lean bs, Vig 20 Auto Insurance Tricks & Repair Rip-offs. How to selective right insurance company...know what coverage to buy handle ats accident. ..choose a trusbwor tixy repair shop. 130 pages. "The na Pblsing Ca, 1462364 Ra, Pushing Nn Yak 128-30 1 College Planning Profile. Uxer college or university that best fits your needs. 20 pages. Eucatgn Now, Box 250, Spring Virginio meee. Se 66 More Ways to Make You or Your Business Newsworthy. inexpen- ‘ive ideas to generate publicity Naa Yu, Ho 316 Paton 0217 aaa essed sel bass rene 1D The Gift of Dyslexia, What it is..what to do about it. By Ronald Davis, four of the Reading Researed Couneils Dyslexia Correction Center. 211 pages, “Ab Workshop Prevs, Ali: AD, 1601 OW Bayshoce Hy, Ste 200), aringame, California sie, $1498 (Bridal Bargains. How to get the best deals on gowns, invitations, plewres, catering, flowers, videos, etc. | ‘Wiad aa Pree 1228 eon Cl, 700, | ane #0982 8156, ‘lps cde ion ca Ad wae IC (sottreappteae JANUARY 16,1ting tomatoes cus prostate ‘cancer risk in half, we hear from Dr. Edward Giovannucei, Approxi- mately 10% ofall men develop prostate cancer. A new study found that men who ate 10 or more servings of toma- toes each week benefited from the high content of lycopene, an ant oxidant. Other antioxidants, such as detecarotene and Vitamin A, had no effect on the risk of prostate cancer, Cooked tomato products Seemed 10 Dring out more lycopene than raw ‘ones. While tomatoes are the best food source of lycopene, there is a variety of other cancer-fighting foods to i clude in your diel, such as brocco! cabbage, soybeans and carrots, ‘van Glovenvse, MU) slant pels of swedte eparanest of tien, Haryrd ical ‘School Boston The meyer say 478 en en the aes of 40 a a realy pte ‘ha fox ef Nota Cae te 01(1) theft is rising. Beware of ‘companies that use employees’ retirement contributions ‘legally for cash float—rather than depositing them directly into 401 (6) accounts— ‘we hear from pension expert Karen Ferguson. Sign of trouble: Your con- tributions don't match the totals that appear on your pay stubs. What to daz Askyour plan administrator for an e planation—it may be a mistake, If it ‘can’t be explained or corrected, ask the regional office of the US Depart- ‘ment of Labor to investigate. Tare Fen car ofthe Peso ihe ‘cove S180 NW, St Warington DC, ‘alcoho af Pon Crs rene, 62.96), ighway speed limits are going Lup, we hear from car-safety ex: pert Allan Williams, PhD. Trap: Nu- merous studies have shown that crash fatalities rise as the speed limit rises. Selfdefense against faster sheeds: Keep plenty of space between your car and than ever, since faster speeds increase stopping distance and provide less time for drivers to react to emergen- cies, Also: Avoid the dangerous habit of cruising miles above the limit or diving significantly slower than traffic flow...keep heaillights on during the day,..don't pump antilock brakes— using them incorrectly can increase accident risk, ‘len Wiliams, PRD, ie svi vie resiea of eae, Inia nue fr iia sy 1098 [ Rte Arnon, Vina 2200 | others—this advice is more important | Bill Donoghue’s Aggressive Fund Strategy For Conservative ‘any con: servative investors believe itis impossible to get both a good night's sleep and a good day's profit on Wall Street. Butletme tell you a litle secret. You ccan build a conservative investment portfolio wth aggressive mutual ands Itis possible because ofthe way the dif. ferent funds offset each other: The strategy, with minor adjust: ments over time, will work for the next five years. Here are the no-load funds for this strategy—and how I suggest ‘you allocate your money among them, ‘THE FUND MIX () Oakmark Fund has half the sisk of the average equity mutual fund, yetithas delivered annualized returns of ‘more than 25% in each of the last three Years. Manager Robert Sanborn’s strate {ky is to buy large positions in blue-chip Stock when they're cheap and hold on as these great slocks appreciate, which means he rarely trades, Example: Portfolio turnover in 1994 was 29%, compared with 10%—or even 2OKH—at macy equity funds. Res able capil gains. And because the stocks arcalreay cheap when Sanbora buys them, they are less risky than stocks in general OSA. Average ene fron ce lscpton Aug 191 S81" Mail sen. |) The Merger Fund, What's the single higgest isin sock investing? What _g0¢s up can come down, The solution isa fund that invests only inthe stocks that are going up. It sounds impossible, but itis. ‘The Menge Fund has the lowest three- an fiver risk ratings from Morningstar of ‘any growth stock fund. That's because of “Perfomance ig sxyearaoage anu ietara ‘tough Stnber 1 oltre its unique strategy of investing stietly in companies that are the targets of publicly announced takeovers. Bxample: In 1994, when the stock -macet was at, The Merger Find rose 7.19 STOS4850Peirmasce 16.9% Minn et iat ona 82000. Gateway Index Plus is the safest fund in Morningstar's growth- and-income category. It buys all the stocks in the Standard & Poor's 100 Index—the bluest ofthe blue chips—anel then it sells covered call options on the entire portfolio to speculators, The in- ‘come from the sale of the options pro- duces a stable stream of cash, This tactic limits upside potential, but it offers pro- {ection when stock prices tumble, Example: During the last hear market in 1990, Gateway shot up 10.92%. ‘MO-351.30 Pyirmance: 1008, Minna it sent $1.90. LT Rowe Price New Asia Fund. Nowhere in the world are economies growing more rapidly than in Southea ‘Asia. Rowe Price Naw Asia has more than $2bilion in assets and is managed by ano- Toad fund complex with a reputation for global expertise thas avoided Japan—sill ‘one of the work's most expensive and trou bled markets, Instead, it has focused on areas like Hong Kong, Malaysia, Singapore and ‘Thailand, which are growing at three limes the US rate. Result: New Asia shot up 79% io 1996 but sank nearly 20% in 1994, and 1995 has been poor. But corrections are to be expected following market surges, and 1 ‘think the correction in Southeast ‘As “otto Line/Pereonaliaterviewed Wiliam Donaghve, one of the caus tap rua nde ports and editor of The Dowoghne Wealth Lene, specie in not ‘aa nds nese toes oni 86/y sbounz aes Teter of Nua Fad Spor tor Ir he et Forget bn te ‘at Cit Fen S243. es Bottom Line [SEERA JANUARY 16,1998 PERSONAL 3lagey over. In this nge of lal compe ‘and expansion, every investor needs foreign exposure, and this fund provides exposure to the whole region. ‘O90, vag onnue oomance sce 601619 Mm i sein Spe 25 teat 00 [United Services China. Re- gion Opportunity Fund. The China story has been so powerful that { went to Beijing to check it out, I was very im pressed. China is the ultimate emenging save, and China Opportunity is the no- Joad way toinvest there. know the market sounds seary—aotradi¥jon of private own standards or an inde- 1 judiciey. The fund did poorly 1995, but not as bac as the China Index But the Beijing government is being pled toward capitalism, and not just be- ‘cause it will take over Hong Kong in 1997. Its economy is growing ata rate of % each yyear—nearly four times as fast as the US ‘economy—and its tive, Business in the entire Southeast Asia region is dominated by expatriate Chinese with strong family tiesto their homeland, “They rearesent an awesome reservoir of ‘managerial experience China can—and will—call upon as it develops, SO0A2459. Total ture frm Josnay 1, 1895, thn Nowe 56,108 2299 ve Lot (Chis ic Min sil near $1,000 [Benham Target Maturities 2020. The bonds in this fond!s portfolio mature in the year 2020. Benham also (Js It More than the Common Cold? Signs and syinptoms that you may hhave strep throat, a bacterial infection, ron hls, pnewronla.what to do, ‘Neral Pon for Tnfestons Dinar, $2 ‘bend ve, Se Tasks May PNTE SCR ‘eke asta, stan, esse re encourage children to read and write, D- vided into three sections—infants and preschoolers. kindergarten through grade two. rades three (0 six routes sods ‘Sw. Waahngn, Deze re Balance, Checklist with sooring guide 10 help assess bow stressed and overextended yout may bead hove fo gt back on track, Teall nc, At: Repar,Hox 738, angen, ee saad 8 cade nclfaessed, serped, Insts ence ree (Keepers vs, Clunkers, ‘Ten rules, for collectors of antique appliances. 1S Bnei Deak KC, Vert, Calor ae 0 neds adem amped, ese ed eee. Pre offers funds with securities that mature in the years 2000, 2005, 2010 and 2015, Fach fond has the individual year in its title. Choose the one that most closely matches your tolerance for risk—the Jonser the time, the greater the risk, “These funds contain zero-coupon and ‘Treasury bonds, They are plays on the direction ofinterestrates—increasing in valve asretes go down, which Im quite confident tvey wll do for the next year Why? We've gota presidential clec- tion in 1995, and interest rates. do not 120 up in election years, Indeed, they've ‘been coming down steadily in 1995, And ‘while ordinary bonds go up alitle whee interest rates go down alte, the value of zero-coupon bonds soars, since they are hypersensitive to interest rate changes. Important: The day before the presidental eletion, sel out your entire stake in the Benham fund. Use the cash to invest proportionally inthe other funds Unlike my other picks, which are long-term investments, this fund is a trading opportunity, and I only include ithere hecause its too good to pass up. 2% 40. Aegean frormoree sci clo Dai 39, 1 tn i HOWTO DIVIDE YOUR MONEY ‘My aggressive fund portfofo for eon- servative investors is controversial. But ‘working together in the right proportion, these funds can be expected to produce much hetter returns than traditional pportfoios—anel probably with less risk Heres how io allocate your asses 40% in Oakmarie Fen. ©10%in The Merger Fund. #10% in Gateway Index Pus. ‘These funds are your core hold- ings—with very low risk and respect able returns, Next, you want to supercharge the portfolio by adding a bit more risk 1 20%in Rowe Price New Asia Fund, 110% in United Services China Re- gion Opportunity Fund. 10% in Benham Target Maturities 2020. Thus, the 40% of your assets pledged in the riskiest areas are balanced by the 60% of your money in the safest harbors Important: There are no guar antees in investing according to this, strategy. But you do sland an excelent hance of improved retrns wih seni ‘cantly less risk, Shrewder planning Lee Rosenberg, CFP ‘The Common Mistakes Retirees Make When They Relocate ‘stake: Moving to a state or ‘community because you have ‘a good time there on vacation. This is one of tie most common mistakes made by relocating retirees. They ex- pect their permanent experiences to be extensions of their vacations, Problem: When you're on vacation, you're typically seeing everything through rose-colored gasses and are not likely to see or aint drawbacks. Solutions: Before you decide to ‘move to anew area, spend a week or two there during the offseason. See if the ‘weather is tolerable and if ll the coave- nitences and services are available to you during those months, Subscribe to the Tocal newspaper, and follow events for six months. Are taxes rising? Hes the local infrastructure kept ‘up with growth? How’s the crime rat? Is there enough to do in the offseason? Mistake: Not fully understanding the impaet of a new climate, Ex: tremely warm or cold weather may seem manageable, but often it’s more oppres- sive than most people realize. Example: One ofevery three people sho moves to Florida end up leaving the state. Their biggest disappointments are the hot efimate and the inability to generate & ‘comparable income Solution: Once you've determined the year-round climate, ask yourself ase- Fles of questions: Do L want this weather al year? (COW miss the change of seasons? (FiCan handle months o hh humid ity orsevere cok? Cis this climate good for my health? Mistake: Buying a house/condo that is too small. Solution: liven itis ust you and ‘your spouse, move to & house or apart: ment that has at Ieest three bedrooms. You'll want space for visting chil- dren, grandchildren and friends. You ‘may need extra closet space and even an office if you decide (o continue “ton LiPo eve Ue Rendon (OF, eet xp ond a of 6 Fabs Mace fee re ern no Ne (et Pron leon) eee Bottom Line seems PERSONAL JANUARY 15,1996WHAT THE IRS DOESN'T WANT YOU ‘TO KNOW working or you want to generate some extra income, Mistake: Letting friends influence where you decide to move. In an ef {fort to be comfortable and happy, many retirees move to communities where their friends have already relocated. But ‘you should not ignore important issues, Such as cost of living andl employment ‘While having a network of friends is im portant, i's not as critical as malking sure you're happy where you'll be living. Reason: Fricniships come and go, but your surroundings will remain the same, Your friends can always visit you, ‘or you can visit them, Mistake: Underestimating the cost of the move. A relocation can eas- ily cost $40,000 today, ifyou factor in the costs of buying and selling a home, changing health care polices, shipping car or bwo, new appliances and inte provements on the new place, ‘Taxes are also an important consid: eration. Before you settle on a place to relocate, find out how state income and property taxes compare with those you pay now and whether your pension will be exempt from state taxes. Solution: Call your accountant or the state's Department of Paxation fo see ‘what rules apply in your case Mark Hulbert Top Stock-Portfolio Newsletters ver the years, 1 have found that only about 2006 of the 170 news letters that offer sophisticated port- folio advice outperform the market indexes over the long-term. Adjusted for risk, here are my three top newsletters over the last 10 years, ‘through October 31, 1996. MPT Revieus Fite’ by Louis Navel, his has been g success | nnensleter since 1980, Up 955%, Monthly. S226 yr USAT. 1 Systems and Forecasts, Ecited by Gerald Appel, Up 219.7% 24 Issues, $225 /yr, UOSD0.0229, U)Zweig Performance Rat- ings Report is edited by Michael ‘Schaus, codirector of research at Zvi Securities. ip 298.48, 24 issues, S205/yr 510-223:3800. ollosnLine/Persoaa!sservowed Mack alba eo o 2 lio Fine! Dig | whidhtnks dials the peau of es Incase, ASHES, Moy 18/9 trates yal or 81750, Edward Mendlowitz Mendlowitz Weitsen ‘Tax-Preparer Loopholes ist because you've hired a professional to prepare your tax return doesnt? mean that you can sit back and relax. There are steps you ean take to help your preparer do a better job...and that means more tax savings for you. Ask the right questions. The only way to know what to ask your tax pre- arer is to educate yourself about the taxlew. Purchase a tax-preparation guide, and familiarize yourself with the basic concepts. Review the tax forms so you'll have an idea of what your preparer will need to know about your ax situation, Loophole: By being knowleige- able, youl be able to ask intelligent ques- tions. You won't waste valuable time and money questioning your accountant about basic or irrelevant matters, «Give your accountant the right information. Loophole: itcoult open upa whole string of related expense write offs you may not have known existed Example: I you el your accoun tant your child has a serious learning dis ability, you might apen the door for ddhcte ing the cost of special education or training. If these expensesarent deductible this year, ‘your preparer ean advise you about how to frm them into a deduction next year + Organize your records. Don't just valk into your accountant’ office with abag of receipts. Loophole: Your accountant can spend only so mach time with you during the busy txcpreparation season. Ifhe/she sets stuckshuling through a lot ofmessy paperwork, he will have less quality time to spend figuring out the best tax strategy for you. Onganizing your papers will en- able your accountant 10 consult wih you on broader tax-planning issues...and make the meeting much more valuable, «Never make a decision about the deductibility of an item without first discussing it with your preparer. Loophole: A taxpayer may think an item is not deductible when it really isa legitimate deduction. Don’t take the chance of missing out on a tax-saver. ‘Your accountant will know the IRS's cur- rent treatment ofall types of deductions, «Bring your expense diary. Loophole: Your accountant can sive you the best adviee as to whether your diary isup fo IRS standards and able ‘o withstand an audit. And if i's not in ‘good enough shape for your 3995 return, The be able to show you how to make it foolproof for your 1995 return, «Bring all your canceled checks for the year. Organize them by eate- gory to make them easier for your accountant to sift through. Group to- gether all your rent checks, all credit cartl checks, all checks written out to cash, etc. Loophole: Your accountant is cet= {ain io find some dedvetions you did't know about. Example: your accountant sees a check for a deposit on # house, he will ask you a whole batery of questions that may lead to deductions, Alfaugh the de- positiselfs not deductible, the cost ofthe _move may be if you are relocating for bis nesselated purposes. Or you may not hhave known thatthe “points you pid o-a bank to get the mortgage on the new house ae deductible, By socing the deposit check on the house, your accountant wil be clued in to Hato TiPersne ws tar Mendlowk, one ofthe cosy teynto taser and a putes n Uheereoutttnnet Medios Wt gen CPAs, 2 Ponape Pla, Noe Senior es ees Bottom Line @esemeeees LANUARY 15,1996 PERSONAL‘Training for Tomorrow From Robert Bender $58 CBT Group isthe layest provider ‘of sofimare that educates and trains “employees on new produits in the high techoology field—right at their desks Companies have traditionally depended on instruetonled taining, but i 8 not cost ffesive, CBT sotvare was develoned in Allonce with leading technology compa tes, sich as Mlcrosot and Oracle. CBT. has well ver 100 prodicts that help work: cersleara complex ighrpowered software. Computerized feedback Jets manayement | Keep track of how well and quickly em: | plovees are learning, CBT went public in | Aon 1985 ands already moving into new | areas. Itrecenlly signed a deal with Man- | power, a lange temporary agency, to tin | Temnps—so Manpower can get higher rates | Tormore knowledgeable people. |S NSSDAQCETSY, & Sat Franc, Ret share rice Si Pal Des. ane fpr she 109 eximate/9110.-1985 estate) eye Tobe Dede rode li vee oh cote Desi can 258g Ces, {2 Gate Clin 0 he a yer ong Scone 9 effets are ‘ois us ofan, copra 2 Ire ie st wo Noes ‘Chemicals for Today From W-F, Rice $$$ Eastman Chemical (EMN) is a Jeading international chemical company _with armed portfolio of plastics chemicals ‘and fiber products. It was founded i 1920 by George Eastman to provide chemical prod- ‘ues for Kodak. .then spun off by Kodak on January 1, 1994, EMN is one ofthe world’s largest producers of polyethylene tereph- ‘thalate (PED), used to make soft dink bot {es and other soft plastic containers, It has | 25% ofthe world market—and that is gow | ing as much a8 20% per year: EMI's strong | nunagement is very shareholder-oriented, | Key managers must own EMN stock val. | ued atthe equivalent of between half and four times dei salaries President Earnest Deavenport, Jr, must own four ines hisan- tual salary instock. But EMN is underval- tied because its seen asa cyclical chemical ‘company. Itis really more of @ specialty ‘chemical frm. Those are worth more on ‘Wall Street, which should also notice ENIN': ‘earnings growth of 15% o 18% ayeat NYSEEMN, Kingsport, Tennessee. Recent share pron 95, Fea yor Doveniber. Barings ‘Br share 1286 estnale/$7.50, 3095 esinate/ S00, woUSiG Wee fear prob man ‘eet Anti Alans Crp, 1253 BCom ee ‘Aron Clo 9006 fue l0ysn rh Stent ‘e168; Be sen sani aeeurrpasbes | 1G ctor ameraratn SP ask the right questions about related de- ‘uctibl items. ‘Tell your accountant about any patterns of expenditure. These in- clude bills that you pay with certain reg- larity, such as monthly or quarterly. Loophole: Part of those payients ‘may turn out be deductible, Examples: The business phone calls appearing: on your phone bill or the Thomeotice portion ofyour uty bills «Have your accountant give you a projection of your 1996 taxes. Loophole: Youll sce early in the | year where you stand, Ask your accoun {ant what you can do now to help cut taxes for the present year, «Get some financial-planning ad- vice. Your accountant wil ave all your financial records infront of hit. So zet ‘more out of your tax preparation by ask- ing about investment alternatives, -Rxample: Iya have: $50.00 in & bank certificate of deposi, ask your aocoun- tant if he recommends Keaving it there or doing someting else with that money. I's important to remember, however, that not all advice that saves taxes makes good investment sense. When indoubt, get second opinion, ‘CONVERTIBLE LU Chrysler Sebring is one of the most stylish cars in the industry. 1es smooth, sleek and subtly rounded in an elegant rather than arrogant manner, | This ear should find a large market be- tween teenage musclecar convertibles, ssuch as the Mustang and Camaro, anel the more expensive converibleimports, suchas the Saab 900 and BMW 325 co vertibles. The Sebring comes with a basic dualcam 2 (iter fourcylinder (140 hp) engine—or with @ 24valve, 25iter ‘V6 (168 hp) engine. $19,460." LUXURY {i Mercedes-Benz £420 offers several important. new technological toe pees ofthe eaten ons nto *esinated sive tel wi ‘tom Line Prana ewe ea wet 2 nie exert He ine oe ot ing a eu ew ces ore hn 30 ours advances—including standard side air optional xenon headlights Gvhich are more powerful)...and an optional computer-controlied Elec- tronic Stability Program (ESP), which helps prevent skids and slides. Mer- ceties introduced the new E-clas ‘model in the fall of 1995, but only with a six-cylinder gas engine. The bigger 4.2liter, 3-valve V8, fivespeed auio- ‘matic arrives in carly Apri. $49,900. MIDSIZE Taurus SHO Super High Out put) is Ford’s newly designed family sedan with more power. Following the introduetion ofthe anew Taurus last fall, Ford is introducing the SHO model with a more powerful drive train (combination of engine and transmission) and a 32-valve, 25h V8.engine, Models from 1994 and ear- lier had a Yamaha V6, Perfect for drivers who love performance but aren't showots. $26,000. PICKUP TRUCK [Ford F150 features entirely new front suspension in place of Ford's an- cient splitaxle rig. This model comes with a 4.2ter V6 or an overhead-cam V8...and an aggressively restyled cab, A sharply sloping hood replaces the traditionally boxy pickup front end, $15,085, SPORTS CAR OBMW 23 is a two-seat roadster | that was featured in the recent James | Bond movie. The 23 is manufactured | in South Carolina and has an engine | slightly larger than the Mazcla Miata's | —.Slter, I6valve, four eylinders. By | contrast, the 73 is designed as amore us car than the Miata—which has had the two-seater roadster market pretty much to itself for the last six years. $28,750, SPORPUTILITY VEHICLE Ui Toyota RAV4 stands for Recre- ational Active Vehicle with four-wheel drive, Its the same size as the Camry compact but with a sportatility chassis instead ofa regular one. It has the look and stance of the best sportutility ve- hicles in this price range. The RAV is cloaked in an entirely new two-or four door, four-sea,talgated body with the {all-wheel look of Toyote’s bigger and more expensive model, the 4Runner. $19,500. . ea Bottom Line a JANUARY 18,19narrow, too-tight bra straps thal dig into your shoulders can eause pres ‘sure on the cervical nerves in your spine, causing headaches? liens MD vse of phys nie ad rubies, Unbery of Tene Sone Mec Caer Dae snore strokes occur on Mondays ‘than any other day of the week? Most ‘common time: Between 8 am and noon, Working men—but not working women or retired men or women—are more Ly day for a stroke: Sanday, ‘Saf ar calls en ro ‘mn ye and woe ages 3s Real ee a are ed by Manas Kees, HAD IN, ore lal rtser nero, Be Lise Sou. ihe pase Se Juctose intolerance may be less ‘widespread than once thought? Arecent study suggests that only 2 fraction of those who think they are lactose intok rant actually are. The others have simply been swayed by widespread pub- licity about the condition. In a recent shidy of 30 people who thought they suf- fered from lactose intolerance, all were able to consume up to eight ounces of anil daily with negligible problems, Midel D.Lait. MD sich ofl for ath Veeins Als Mate Caper Mea a ‘epored s Hai Caeul x 214, Greene ‘Comecie O262614 Mostly. 38) + .teported cases of Fetal Alcohol ‘Syndrome (FAS) skyrocketed nearly sevenfold during a recent 14-year perk (od? Unkorown: Whether the data reflect an actial inerease in the incidence of PAS—eaused when pregnant women rink alcohol—or simply an increase in reporting duc to heightened awareness. ‘Cor or Dace Cone an een, 180 ‘an Rt NE a 908 «-awashing clothes in cold water is better for the clothes avid your energy ‘water washing helps clothes last lnnger and the hot-water heater is one of the biggest energy uscrs in most homes, The Gl 1 Poe! nn Hs Ste Your ‘olor Trogh Ye lve Mevageent by Desi Sco, woe of asomating an ane, Vlas Ste Ua ‘ely, Vos Gear (be Pout res 0). «teens are getting betier and bet. ter compared with teenagers 25 years ago? Only 10% of highachieving teens tried marijuana in 1994, compared with 27bin 1972, 91% of sexually active teens ‘now use contraceptives, compared with 52% two decades ago. .and 68% say they hhaye a happy family le, up trom 59%, Sy Ms Me nag mrt ah Sie Students ational © likely to have a Monday stroke. Least lke- bills? Hot water weakens fabrics. Cold- | Randy Petersen How to Win the f you want to fly any- in the US for free, :mostailines require that you have at least 25,000 frequent niles, While it sounds as if you have to do alt offing to hitthe magic numbes, there ate many ways to reach that goal. WINNING ways, «Ifyou fly only occasionally, stick with one airtine, Your miles will add up faster if you use one airline rather ‘than many different airlines. Working against you: In many cases, eared miles expire atthe end of the third calendar year after you've ‘earned them, Your airline's planamileage statement will remind you when your miles are due to expire. Selfdefense: Ifyou fy afew times ‘yeas se Continental or TWA, since miles ont have an expiration date, Nees deat Delta Air Lines—miles don’ expire if you fly atleast once every three years, Take advantage of your plan's partners. Its possible to accumulate miles without ever fying. Aitlines have formed alliances with other compa- ‘nies—hotel chains, car-rental agencies, long-distance phone carriers, restau- rants, florists, credit card issu, etc. Strategy: Call your frequent lier program’ service center for a lst ofits partners. Itmay be worth your while 49 favor these hotels, car-rental agencies and other companies to get the extra miles. Don't forget about long-distance phone companies. All the major ones Ihave teins with speci airines—ATRT (Dela, United and USA)... MCT Amer ‘can, Continental, Northwest and South wes)... Sprint Alaska Air, America West and TWA), How they work: You get a total of fiverriles for every $1 spenton residential longcistance cals You nat frst callyour long-distance carrier and sign up. Credit cards are also a great oppor nity to earn points. You can find out the details of an airline's program by con- tacting its frequentlier service center, Strategye It's possible to pay bil suchas ouritsirance or mortgage wi anilebuilding creditcard. This srtesy i only good if you dont run a balance, ‘You certainly don't want to pay addition- al credit car interest on your mortgage oranything else jst to got miles «Do what you can to achieve elite-level status. Ifyou actually can fly. 25,000 miles during a calendar year on a single plan, most airlines will reward ou With eltelevel status for the nex Year Thismicans youl earn more miles for the same flights—often 25% to 50% more, You'll also qualify for free up- grades from coach to first class, without using earned miles. Sticking with one airline will make it easier to reach elite- level status. Ifyou have 24,500 miles near the end of a year, it could be worth buying a ticket just to reach the 25,000 mark and elitelevel status, ‘Example: Contnenalhasa thetior eltelevel sytem Ityou fy 50000 miles ta 2 yeen youl reach is Gold Level ane Cele wotmited seat upgrades or one ye, Soong asthe wats ae aveable on thedightot your eboie ‘Miles from hotel stays or car rentals don't apply toward elitelevel status, Read your frequent-flier news- letters. You don't want to miss out on ‘at Tin era crv theyre ome seh Olea inves oes Bottom Line tixzzx=armammaes JANUARY 15,1998‘opportunities to earn miles. Airlines often make special offers and alter- ations fo their irequent-ier programs. Example: | recently purchased a ticket from Denver to London on an Amer- scan Airlines flight that stopped in Dallas ‘Thea American announced in its newslet {er thatfor alimited period, it would award ‘bonus miles for flights from New York to London, So I switched my routing so that Tew from Denver to New York to Lon= don, Feared 25,000 bonus miles—plus mileage from Denver to London. There ‘was no fee for switching because of my particular ticket. Travelers should call their airlines rst to check about fees for changing tickets. Plan ahead to redeem your niles. If you try fo use your frequent- flier miles on the spur of the moment, you could run into trouble, Some ai lines charge service fees of $50 to $100 iffyou give them less than three or four ‘weeks’ notice when using miles toward a ree ticket Worse: Ordering (co late to obtain seats to your destination a al Strategy: If possible, reserve your ticket six to eight months in advance. Ais Tines seta certain number of seats aside for frequentfier tickets—typically about ‘6 of the plane. If those seats are taken when you reserve, you won't be able to use your miles for that fight By reserving this far in advance, you're likely to beat other frequent fiers, even for seat on fights to popular destinations, I James Paragano Hassle-Free Renovations ‘hoose plumbing fixtures, tle, ‘stone, cabinetry and other fin= ishes as soon as possible—so con- {yaclors can move your job up ifthey sun into problems on another job. Tf furniture must be moved, re- move valuables well in advance. Box items and label the boxes, Ifpossible, have one crucial area Gnished before all others—to mini. mize some of the disruption. If a much-used area, such as a family room, must be yacated, make sure there is another place in the house ‘o full that room's function, To reduce dust, seal off work areas by taping shut doors, windows, and corridors leading to them. ‘oes Pan inet Mai New _eney no sprain neg er banc Antioxidants and Fewer Health Problems he foods we eat have a big in I ‘pact on our heaith—both post tively and negatively Study after study shows that antoxs- dants—disease-ighting chemicals that occur naturally in many foods—have certain properties that may boost the immune system. They also reduce the risk of health problems—particularly heart disease and cancer. While the most powerful antio dants—betacarotene, vitamin C and vitamin E—are availabe in supplement form, researchers recommend we try to obtain them naturally through the foods we eat. ANTIONIDANE-RICH FOODS It is most prudent to build a proper diet through a diverse combination of foods, There are several foods that con tain all three antioxidants They include... «Mangoes. Mangoes contain 57 mill- grams (ng) of vitamin C—almost the full Recommended Daily Allowance (RDA)—as well as ample amounts of beta-carotene and vitamin E, No other tropical Suit provides all three, ‘«Sweet potatoes. ‘They are low in calories and loaded with betacarotene and vitamins C and E, One to two sweet potatoes—with or without the skin— almost meets the RDA for all three mi trients. Microwaving ensures that you dont lose these nutrients, OTHER GREAT SOURCES «Beta-carotene is commonly found inleafy green plants, Most health organ= zations recommend eating five or six fruits or vegetables a day, which amounts to a diet containing 6 mg of betacarotene. Betn-carotene is “fat soluble"—meare ing that you need to eat a smell amount of fat with the beta-carotene in order to absorb it. Scientists have not yet determined the cxact amount of fat Bato Liner esewed Maio, IMs. raf Cevote Fa wo wes een Stnwattnnand eh Shee he Mae un Cann: 10 Dein Anode iced econ om Sei mtn Het aoa &Ssbone91. needed, butitis nota lot. Thisis one ex- ample of how fat in moderation is im- portant to maintain good health, «Vitamin C. The RDA for vitamin C is 60 mg. But researchers say that you need betvicen 100 mg and 500 mg daily to fight off cataracts and other diseases such as cancer and heart disease. Rick sources. CiOne papaya (188 me). (Hala raw red, green or yellow pep- per (170 ms) One cup of broccali—steamed or microwaved (98 me). (2110 to 12 trawbervies (85 me). 8 ounces of orange juice (124 me). Vitamin Cis highty sensitive to heat and cooking. So when cooking vegets- bles, use a pressure steamer...or light- ly steam or microwave. «Vitamin E is one of the most po- tent antioxidants when it comes to fighting off disease. Studies show that the current RDA for vitamin E—10 mg for men and 8 mg for women—is prob- ably too low to be able to offer much protection against disease, Prelimi- nary. studies show that anywhere. be- toveen 100 mg and 400 mgr of vitamin E daily might offer better protection, Vitamin E is most commonly found in high-fat foods, such as vegetable oils and nuts, But—you don’t have to eat a Jot of them to reach the RDA. Examples: One ounce of sunflower seeds (14.2 mg)...or one-cwarter cup of wheat germ (4.1 m)...07 two tablespoons of pean utter @ mg). Vitamin F can also be found in some leafy vegetables—and in sweet potatoes. Although some experts recommend complementing dietary "E” with sup- plements (contrary to advice regarding other antioxidants), be aware that the synthetic “E" in supplements is not as potent as the form naturally occurring in foods. . Coming in Bottom Line Gieperstan economists! exc ing look head—one year/fve years/l0years...Jonathan Pond: ‘Money mths/mioney reaits.Lnside alternative medicine: George- town's Dr. James Gordon. Clever collegetour questions... Won derful warm ranch getaways. .Dust- ‘ree house/basies...Recipes from (Fong Kong, omnes! Bottom Line Semmes 8 PERSONAL JANUARY 15,1006() Secondhand smoke and kids: Children exposed to tobacco smoke are three-anda-halftimes more likely to de- velop respiratory inesses—especilly upperrespiralory problems—than ones who are not exposed. Children exposed to secondhand smoke have significant concentrations of nicotine derivative in their urine. The more smokers in a cchild’s home, the greater the concen- tration of nicotine byproducts in the child's body and the greater the likeli hood of respiratory problems, Nan J Hae, DD, ose sad Wes coi whe sh ak wih fe Aenean Hes ean, ‘all, New Vek. Her ayo rs ha 30 tl. ‘stale Neate (Kids cat more fruits and vege tables when healthful produce is part ofmeals instead of side dishes, Helpfl Add puréed cooked vegetables to ‘ground:meat dishes like meatloaf and hamburgers, substitute shredded car- rots, zucchini or chopped spinach for some of all of the ground meat in lasagna or a casserole...add puréed or shredded vegetables and fruits to homemade muffins, cookies, cakes and quick breads,..use purded cooked ap- ples or pears as 2 sce for poultry, and whole pineapple chunks or tings o top baked or grilled chicken breast...mix unsweetened applesauce or fresh ap- ples into hot cereal, Tus Ur De & Nuttin Lat 209 ari ‘Av Bos 211, Menily S20 OOKids are more vulnerable to de- hydration than adults, Reason: Young- sters don't sweat as much as adulis, o they cannot cool their bodies as effi ciently. Problem: By the time a child feels thirsiy, he/she is probably already at the beginning stages of dehydration, Symptoms: Apathy. .ightheadedness,.. Jatigue...nausea. Helpfid: To encourage kids to drink enough, offer them diluted Sruit juice or sports drinks, Avofd: Und Tuted fruit juice and sweetened carbon- ated beverages, since their high sugar ‘contents can cause stomach cramps, ‘el Bards, MD, decoy, Cas Bacehe ad Nisa Conny Meier erty, ation, rea. [1 Skin care for kids in puberty: Eat plenty of fresh fruits and vegelz- Dles.,.drink lots of water...get regular exercise and fresh air...get plenty of sleep... keep skin clean by washing with xgenile soap and water,,.use sunscreen {0 protect against the sun's harmful rays, Neal Schal MD, derma ite ree et sgt ano ve mgebsedan Pe ew Lge How to vents at works move ‘so quickly today that your success de: pends largely on how well you adapt to ‘change—and how fast you spot and seize the opportunities that change presents, But before you adjust fo change and prof from it, you must first iden tify parts of your ow personality that need to be fine-tuned. By listening carefully to your erties and dropping negative behavior and emotions, you will be more likely to excel in envi- ronments that embrace new ways of doing things, Here's hovr I help patients recognize that ts time to change parts oftheir per sonalities—and how I help them doit SIGNS THAT YOU NERD TO CHANGE You find life is consistently dis- satisfying and uncomfortable—and you are restless for no obvious reason. Consider the possibilty that something in your personality needs to change. Whenever you experience negative emotions for an extended period of time—weeks on end, for exarmple—you must look inward to find the reasons why, Negative emotions are messages from your spirit or inner self and are wort listening to. «You find yourself complaining a Jot—especially if’ about a person, or ‘a number of people, in your daytoday lie. This true ifyou complain to them about others, Complaining is an emo- tional release and a way to get attention Without talking responsibilty for making noeded changes, It offers litle practical reward and, long term, leaves others with a negative impression of you. nificant people with whom Newaie | you have daily contact express Dr. Tom Rusk, University of San Diego Time for a Change? Change unhappiness with you. This is real- ly a sign that you need to consider raking some changes in your behav- jor—and pertaps in your personality as wel. Even when the other person’s feel ings have a great deal to do with his/her own general unhappiness, you are better off dealing with that per- son's complaints rather than fighting them, in order to reduce your overall level of sires. «You find yourself consistently postponing things you would really like to do—or passing up opportuni: ties you really would like to take ade vantage of It you're constantly making personal sacrifices, there is something about your personality that is causing you to put your needs second, One way to recognize this trend is to imagine yourself 30 years from now. What would you regret not having dlone? Saying, Someday Fn going to, isan excuse to keep doing what you're doing now, «You sense other people think more highly ofyou than you think of yourself. During your lie, have teach- rs, colleagues, supervisors and friends ‘thought more of you than you think of yoursel? In that case, vou need to change. You're wrong...ihey’re right ‘You're reacting to how you feel while they are reacting to how you are, How you feel is distorted by a lifetime of ‘Baton Tne Fersnalioeewst To Rsk, MD, asi pear of eis pasha the ‘ray of Sun Diego ad medial veto of the {Grendce Preise Care Cen can, Washington Tes aur of Ite of Them et Ya Chang amt eng ep Yee tng iy He Sd Cet Yur ap on Md mes S28, Zoe Bottom Line naxmmmmemmeuen JANUARY 16,1 PERSONALMY SECRET: How Tactually accomplish absolutely everything Twant tot ello, I'm Martin Edelston. 1 ‘ounded and'run Boardroom Ine.. publishers of Boiron Ling/Persinat and Bottom Line! ‘Burners cher good tng. stared 23 years ago with afew ahousand dollars tn my pocket Last Year, we ia more tat $100 sion ort of busines, Yat everything nd mean eversihing published, pried or mailed by Boardroom Ine fees toughest Ts pena et et all dont yt os vo pists of per ants pel wand Vd lke to teach you ‘how to do if 14 ao ike hw yo bow 0 How vray prosaion Grated “Phe Fd Tike to sow you the fk proof Wy 0 delde -ulesiy——wa st be done nowy wit ean walt Ind what never her wih ant (shag with you he super tay poron's way of soln gous taking sure they te achieved. and fw Eiake ates, Wort for Teo enins es Fo ths aoe, yo=and Sear wt thank enorover! "A thee-and hy mosh meri inde ivan nredible tnceand-t iichour Tine Manag Soin wien Ta es Promise an leciying leaning sessen tha ot now your penona icy tase you seer Reamed pole really works Tint sso tell you tht the di Lingulphed rime ndrapement e400 ‘Alar Lakela sieongly endorses this Pe foe for the The Management ‘Magl sevnar 83175 per pre (S098 forfeoy.vand wel gi you fuek—-on the ee ae pny yee Pir 092M 220 mig 124 OM I 29 M130" ON a Cesta e221 Gime: on Jeo) 3Peeadpie (Secs ine Peer as 2 Each [nar (ta 202 Sage Watae 81S emer 27 Caan 208 See Maar ia8 (Sut [Manger ttn onkat2@) Cia Waggon, DE 30 New Vork iy: 1/25.3 camasretaeyason - ocee eee oe ene e ' ' t t t Rees eee eee, painful feelings and of not feeling 00d enough. HOW-TO CHANGE YOURSELE Dissatisfaction with life or yourselt ccan provide the motivation for change, but it cannot organize and direct the process, Steps t0 pursue any kind of charge within yourself. Step 1: Consider adopting novel and temporarily artificial attitudes and ways of being. Many people ob- struct their own selfchange because they identify so strongly with their be- havior. They can't imagine acting or thinking in a significantly different way than what they are used to—e though temporarily and enthusiastical Iy adopting different behavior may lead to tremendous personel growth. Step 2, Consider becoming some- one you respect more...someone who deserves more of your com- passion and care, Respect, under- standing, caring and fairness are not qualities that are just used toward oth cers, They also can be used creatively to ward yourself, Strategy: I recommend that manly ‘of my cients do a mirror exercise every day, I's done by simply standing in front of a mitror and looking into your own eyes fora minute or two. Ifyou can manage a long, quiet look. and feel a sense of support and caring for yourself, then you are already doing well interms of selfacceptance. Step 3: Identify attitudes and ac- tions that might make you feel more caring toward others and yourself. ‘This step carries the process to specif je ideas for new ways of thinking. and behaving Use your imagination as freely as possible to come up with as many 8 as you can, covering the whole spectrum from most conser va- tive to most radical Important: Reheatse your exper iments in your mind, ina journal, on tape or with supportive friends, The exercise wil help make your strategies a perma nent part of your personality rather that temporary solations. Step 4: Implementyour strategies and commit yourself to practicing new attitudes and actions, A single ex periment s usualy insufficient fo estab- lish momentum in the process of self as change, We need to make repeated | 9 attempts to establish value-driven be- hhaviors and atitudes. Step 5: Reward yourself each time you have completed a self. change experimeni—regardless of its success or failure, Celebrating inner growth nourishes us during the sometimes lengthy process of selt change and establishes a positive com text for further achievement. Strategy: Keep a journal to record your sechange, Withoutit, you arelike- Jy to forget how far you have come—and how much you have accomplished. A journal allows you to ave insight con- versaons with yourself and lo lok back frequently and validate accomplishments from the very diferent perspective of srowih and change. The difference between coping with your ownlie and creating itis big one. ‘To progress isa courageous and mage nificent achievement. : ‘Andrew Sarris Movies that Parents And Preteens Can Enjoy Together funetional families don’t seem to .zet much attention, Here are some offieat videos with resolutions of per- plexing family problems. Billie (1965), The key relation ship here is between a mother played by Jane Greer and a daughter played by Patty Duke. Problem: Tomboyish daughter wants to join the boys’ track team, Solon: Mother ismore amused then alarmed, (ICurse of the Cat People (1944), “The “curse” is nota curse at all, buta fan tasy benediction for a lonely child, Ei abet Russell, who finds an insaginary playmate real form smysterious frst wife. The father (Kent Smith) and the mother Gane Randolph) eventually come to ferms with their chiles f and the friendly spiit departs, 1D Goodbye, My Lady (1956). A all hoy (Brandon de Wilde) and an ‘Ankers profane Cok Univrsity, New York, a a fl The Nos Yo ur I: this age of dysfunctional fami ieee Bottom Line sesame 10 MANUARY 15,1996celderfy man (Walter Brennan) form a surrogate family to care for a dog that brings joy to their humble rural ives. (Honey, I Shrunk the Kids (1989). Rick Moranis holds this fragile conceit together with his comic gifts as | ‘an embattled nerdy scientist who acc. | dentally reduces his children to tiny figures lot in the domestic lanelscape Allends well after many Taughs. The Journey of Natty Gann 108), Mere Senger play the le role of a young gis! wi rides the rails doting the darkest and most desperate +her work-seeking father, Along the way, she picks up a lifesaving companion, a Joyal wolf who protects her from all the ‘human refuse on the open road, Paper Moon (1973). Ryan O'Neal and his reaHlfe claughter, Tatum O'Neal, make an unlikely father-daughter team when they meet for the first time at the grave of the little git's mother. Their re- lationship blossoms despite many ob- stacles along the way. (Searching for Bobby Fischer (1993). A seven-year-old child chess prodigy (Max Pomeranc) is thrust into | competitive chess tournaments by his fa- ther (Joe Mantegna) against the wishes ofhis mother (Joan Allen}. Ben Kingsley and Laurence Fishburne pay chess "x thers who pal his way and that on the child's psyche. Based on Fred Waitzkin’s: book about hisson,2 procigy. Ml Roches nse Technology Creativity Dampeners | Dire people from intro- ‘ducing new ideas inhibits cre- | ativity and, over time, virtually stamps ae een! ‘OFrequentiy saying, Don't rock the nos eas erat aon ee ‘ain't broke, don't fix it. Ce Reis ses hie fn ache aon i Pang every idea through for- (Quickly focusing on the cost of | eae eee! Sa eater oe ee Ty parse comme | rece cence ene eles cone: dlays ofthe Great Depression in search of {4 Wore (Thomson Bucy fen, 27) James Windell scplcing chiiren is hard for most parents. Almost all ‘worry whether they have gone too far— ‘or not fr enough—when using punish ‘ment to correcta child's behavior, For the pest 25 years, I have been helping parents develop more effective ways to discipline their children. Here are my strategies. Punish only when necessary, Any punishment loses its effectiveness with overuse. As a result, punishment works best when itis infrequent. Nonetheless, punishment for infractions must be consistent. For example, if a chil hits a sibing the panishment must, be the same each time to uphold that Jaw in your house «Avoid harsh punishments. A harsh punishment often stops misbe- havior ints tracks, butit doesn't neces- sarily teach the child the proper lesson. Harsh punishments eause children’s be havior to worsen. Severe punishments ‘cause hostility and resentment. 2 A. chil disregards your order not to ride his/her bike outside a three lock radius ofthe house. I's a is tae wo punish him by taking the bike away fora week. The child forgets about what he did wrong and thinks instead about how cope with the punishment. His focus changes from I show’ dsregard my par ont! safety rales oT hate viding that stp bike anysay Better: Take away the use of the bike forthe restof the day. The child eas ‘ly associates his misbehavior with the Joss ofthe bike and vows to do better: sldentify the problem and the punishment. Children need to know exactly what is expected of them. Example: Tell your child that all homework: must be completed before he L-S-C-L-P-L-LN-E say wetch TV eau clear boot the consoquences of bres het rule 19 serch TY bre your homeuor edo fo Imorow you wont watch TP al Aes itd to Fepeat tis back ou Important: Avoid saying evry thing ava treat "Better: A straightforward, adult conversation ‘The child has a better chance of re- membering the rule and correcting his behavior, The child can’t say he didn't hear or understand you. Follow through with any pun- ishment, If you threaten to punish a child for misbehavior, you must be ready to impose that punishment. Example: You tel your ei that he an go with you toa basetel pane the fishes a bishomewerl his omer isnot one you cay the ei that Binsble tego ‘You can’t Jet your child talk you out of the punishment. If you do, he learns how to avoid punishments, not how to improve his behavior. Ignore some bad behavior. This surprising piece of advice works in cer- tain situations, sample: chili snating and ting regarded for consent Sn ever agave enon tate the oe, the cil conics the beh Better: In cases like this one, were bd behavior isused singly io gel Sour anton, you may want to ake a deliberate attempt to ignore the be ior Although it may get worse at first, the child will soon learn his annoying a il nr oe Ws setindPting remem Peli ecesy Nibaske date OS usted Cd tae 9 | Discipline: A Sourcebook of 50 Fadlafe be ‘elias Poe ache h ees Bottom Line JANUARY 16,1908 "behavior is not getting your attention and he wil drop it | kxception: Repetitive misbehavior nay be a ery for more positive tention. In this case, parents must ask themselves, 1 oo erieal? and Have I balanced pestive ‘and negative tention? tn edition, parents should always give postive attention to de- sirable behavior +When correcting.a child, always make eye contact. Reprimands are more effective when you are sure a child is listening, Move closer to the child, and raise your voice slightly. Get him fo look at you before you speak. ‘The expression on your face should be neutral, not smiling or bugreyed with anger. Holding that eye contact for a moment ater speaking isa very power ful technique. Use punishments that fit the crime, For running up phone bills— take away the phone. For being dis respect ofproperty—have him use his allowance to pay off damages, Other rewards and privileges that ean be removed as punishments: Saving overnight wih rend attending a pay going to special eveni..using the family car... video games Use a time-out when no particu Jar punishment fits the crime. any punishment, reserve sending a child to hisroom{or serious infractions so that it does not become ineffective through overuse. Timeout has a dual porpose— itis a negative consequence...and the ‘Sandra Woodruff, RD Good News for Chocolate Lovers Cit in chocolnte recipes by using three tablespoons of ‘cocoa povider plus two teaspoons | ‘of water instead of each ounce of | baking chocolat. The richest chocolate comes from Duteh-processed cocoa, which hhas its natural acidity neutralize, Because Dutch cocoa is smoother and sweeter than other types, you may be able to reduce sugar by 25% svhten you use it in cooking. | Check labels carefully—Dutch and regular cocoa usually have only ‘one-half gram of fat per tablespoon, but some brands have more, ‘Se Wosull ID, toon er nas, Hos id outro ont Nowe Ret hr try Pine Gro 8 isolation allows the child time to pall him self together. Rule of thumb: Have a young child sitin a chair for about one ininute per year of age. Older children can be sent to their rooms. Use rewards instead of punish- ments. There are times when areward for good behavior is more effective than a punishment for bad behavior Example:‘to he'p your fouryear-old learn to sleep in his ovm bed at night, you offer a 25ent reward to get the new be- havior started. For the next few days fol lowing successful nights, you hand over a hiny new quarter. Once'the child is sleep- ing in his own bed, phase out the payment. Discuss this with your child in advance so ‘he knows the reward sshor¢lived, I Laura Sutherland Family Vacations In the Garibbean anes decimated some Carib- ‘pean islands this al but lef. oh cersuntouched, Here ae the best ‘bargains on islands that survived. aNTIGUA 1 he Falmouth Harbour Beach Apartments are neat historic elson's Dockyard and overlook the arbor. The complex is within walling distance of the beach and a variety of attractions, including the restored Dockyard shopping area. All apart- ments have kitchens—a great money- saver. Extra rolkaway beds and/or a crib can be added. Rates: $120 $1 now trough Api 15, $88 to $04 rom Apel 16 fo Decent 14, Chien under 16 are an extra SHS each er niht BO 225606." ‘curacao Li Princess Beach Resort and Casino, a Crowne Plaza Resort. Wind- surfing I the specialty here. Instruction is available, There's also a superb beach, twopools a 12.5:nile protected coral ref for snorkelers—the underwater trail be- ‘gins ightofithe resor’s beach—and an aquarium nearby. 341 rooms The allay De per done cepa Use Perspaiersewel Lars Sarl, ga ret Carn Pi Yastins 3 Mts Bens $1200) children’s program includes swimming and other activities, Rates: $190 to $265 through April 15,..$130 to $195, April 16 to December 14, Children 19 an younger, fre, 8003273286, DOMINICA (ihe Papillote Wilderness Re- treat and Nature Sanctuary isin small rain forest, Itis a superb base for exploring the Morne Trois Pitons National Park, There's also goos dive ing, snorkeling, river swimming and hot-springs bathing nearby. Year-round rates: $85 for a mini suite with kitchenette...875 for a bwo-bed | room site...$150 ora twohath cottage. Ac ccommodates upto 8 people. E48 2287 (GRAND CAYMAN The Cayman Islander is scross the street from Seven-Mile Beach, a spectacular stretch of sand, Its cheaper than most of the beachfront hotels be- cause i’s across the main street. Rooms are simple and large. There's @ small playground, pool and café. Restaurants and shops are a short walk away. | Rates: $149 now through April 15,,$119 from Apsil 16to December 14. Chik dren under 12 stay fe, 800962028 St. CROIX 1 Chenay Bay Beach Resort is ideal for families that want a secluded setting. There are 50 one-bedroom cot tages on 30acres,andall the rooms have air concttoning. The long, shallow beach nearby is perfect for kis, and there's a ‘windsurfing school, swimming pool anc restaurant on the premises. Rates: $180 to $225 until April 9 $135 to $175 from April 10 to December 22. Kids under 18 stay ree. 800.548 4457, VInGIN GORDA, BRITISH VIRGIN ISLANDS, U Guavaberry Spring Bay Va- cation Homes is a good deal on an | expensive island, There are 16 one- and two-bedroom cottages with a view of Sir Prancis Drase’s Channel. A pop- ular natural wonder, the Baths, is a short walk, and the beach is ust down the hill. The small homes come with kitchens, linens and housekeeping. One-bedroom homes accommodate two... worbedroom/tworbath units ac- ‘commodate four. Rates: $135 and $200 respectively ‘until April 15. $90 and $140 from April 16 fo December 4, 60405-5227, 7 12 JANUARY 18,1996Ci Laugh and bave fan with your children. Ithelps families feel closer: Run Shalegies: Play “short-story lines” around the dinner table, where one person starts astory and therest continue it by adding the next sentence, ..read the humor cok ‘umn in your daily paper out loud to oth- cfs...post a cartoon of the week on the refrigerator...Jearn and do magic tricks...play What i? games...hiaye a ccolorthemed day in which all the food served is the same color or is dyed un- usual colors...hold a Viking Night once a month during which everyone eals using jus thelr hands, "Sie 9 Mona Deb Kae lab C Better stationary biking. Unless you wat to add bul to yourlower body, don't bike with much tension on the ‘heels: The more tension, or resistance, you ride with, the bigner your leg mus: ‘les will become, 70 snaprove muscle tone withowt building see Pedal with ite oF no tension ata high speed—80 to 120 0- tations per minute (REND, ‘at Yor cog Wey Da bow 1s omer of ce» once dea an ‘sr comp brtia NewYork ee 6139), Good for-you frozen treat Freeze peeled bananas. Coat each in pai low Sat ‘Yogurt Roll coated bananas in chopped ris and sreeze again. “Ta esi Gone Co Cle, xp and beter ht anion, Le A Pe ‘ra eee Febrny ton Cheon Peer Pano 81) © Compose photos for the back ground, not the subject It is easy to photograph a person or thina—but ‘more difficult to create an interesting setting for the photo. Helfful: Decide first on the setting you want and how Yyou want it look. Then focus on the ‘nuances ofthe subject Si el, uso phtgraper, wal ia ‘par Pe 18 es Sh 1, Nona Sr ‘O Before buying a big-screen TV, think of where you will put it and how you will watch it. Ifyou sit seven feet ‘rom the screen, maximum screen size should be 35 inches—anything more ‘may give you headaches. Be sure to ry the remote control—some are so ‘can be hard to use. Avoid buying what you already have, Be wary of picture: in-picture models—the feature is ex: pensive and does not always work well. “Hone Mecha, 2 Pak Ave, Nor York 1006 10 [iosies 88H VANUARY 15,1996. ‘packed with fitleused features that they | Sia eee ne aAZ, ober 2 Ree! bia, $8) Re. Marvin Karlins, PhD, Unive Gambling Casinos Use Your Head to Cut Their Advantage — How to Us ‘he odds in every casino are against ‘you—but they set much worse if you aren't in the right frame of mind when you begin to gamble. Here are my strategies for thinkiog smart and staying disciplined while gambling, which will help you minimize the casino’s edge. ‘Set rules before you go—and don’t violate them. Rules will protect you from getting psyched out. For ex- ample, I believe in budgeting your gam- bling stakce for the length of your slay. Example: Ifyou king to bein Las ‘Vegas for dee days and you're wing tb lose $000, your daly Emitis $300, Determine how ‘many times a éay youll gamble. If its three times, set your persession Timitat $100, To get sufficient action, make your typical bet 2% to 3% of your per-session limit, With a $100 limit, you would bet ‘no more than $2 to $3 at atime. «Know your “in limit.” Ask your sell, At what point during a session or at entire trip will I feel that I have won be among the strongest growth areas in 1996, but they will be constrained by the continued financial problems in Japan, the depression in Mexico and very weak growth in Europe. Capital spending will continue to be stronger in the productivity-enhancement area NEW WORLD instead of expansion of capacity or infrastructure, «Investment implications. If we agree to bring down the deficit and then move to a flatter tax structure, which will be a major issue this year, those two poliey changes would be very positive for financial assets, The move by millions of investors to assets such as stocks and bonds will probably continue for another 10 years. ‘That's great forthe financial markets. Further powering the markets will be Jow inflation, aging demographics and tax law changes. When inflation is Jow, housing goes back to being simply shelter instead af an inflation hedge. Our aging population will save more, and any reduction in marginal tax rates vill favor assets that create wealth, *Stock market. I expect the Dow Jones Industrial Average to rise to he- ‘ween 5,600 and 5,800 this year, and the Standard & Poor's 500 to between 660 and 680. Butthe challenges to this sce- nario are greater than existed in 1995, What could go wrong? Ifthe Fed eral Reserve misreads the economy's performance andl docsn't ease short erm interest rates enough, it could result ina ‘more serious economic slowdown, The chance of a recession this year is low right now, but that could change if "monetary policy mistakes are rade. ‘THE NEXT FIVE YEARS. havin Kellner, PhD Ghemioal Banking The five-year outlook is | quite bright. Looking back ‘oto ine Penal atrviewee : ‘sToseph Carson, diet comani, Dean Wier eps ne, 2 Wort rage Cvier New Yor 138. | Irwin Ketiner, Pa econ he Baki Cory, 270 Park Ae, New York 007 “Staph Raaely hhc eer, Morgan Sine & Co. Tne 1585 cea, New aK 03 | Seememssemeee: Bottom Line meee FEBRUARY 1, 1996 PERSONALfive years, we've seen the economy re- cover from its ninth postwar recession, Inflation has slowed to 238% or less — raies not seen since the 1960s, And i- flation should come down even further due to economic changes brought on by technology... shift in power from labor to management...and a changed attitude on the part of consumers, who are simply refusing to pay higher prices. This long-term decline in the rate of inflation has brought with it dectines in terest rates. Yields have the potential 10 go lower over the next five years be- lation wil remain subdued, reduction package in place, For the frst time in 25 years, we have areal opportunity to re- duce and eventually eliminate the budget deficit—thereby slowing the growth of debt ‘As that becomes more believable to the market, rates will decline further, which will help reduce the deficit by cutting Washington's interest expense, «More jobs. Lower interest rates lower the hurdle rate for business investment returns, so there will be sgreater investment in new technology. ‘That will make US business—already back toa position of world eadership— even more competitive globally. The more competitive companies are, the more they will produce goods znd services here instead ‘ofimporting them, ‘That means more jobs for Americans, who will George Giek, ABA Cold Weather and Your Car egularly check to make sure Dattery cable connections are tight and there is no corrosion on the terminals...in batteries where the fluid levels can be checked, make certain fluid covers the bat tery plates...to prevent fuel lines from freezing, consider adding a ‘commercial additive containing is0- ‘propyl aleabol to the gas tank when filling up before and during: ex- ‘tremely cold weather. Important: Never atterpt 0 Jumpstart a weak car battery thal has frozen because of extremely low temperatures. ‘Genus Gi anand, AMA Autome he Senes Heabrow, Md, then be able to pay more taxes, help- ing the government reduce its def +Hot industries. Over the ne years, I see the number of jobs in in- ustries such as technology, commun cations and manufacturing growing faster than in the past five years. These will be permanent, ful4ime jobs rather than the recent trend toward tempo- rary and parttime positions. Reason: A mejor portion of recent ‘corporate earnings growth has been de to cutting costs—largely people. But there comes a time when phones don't ‘get answered and service to customers slips. I think we've reached the point where the pendula has to start swing- ing the other way on hing. ‘Growth rate. I don't sce sparkling economic growth—as we enjoyed in the 1960s, 1970s and 1980s. T think we'll probably averaze 214% to 3% srrowth during the next five years along with modest rates of inflation in the 2% zone, The unemployment rate should get close to 5, «The stock market will probably go upan average of 10% per year, but there ill be bumps along the way. I don't en vision a recession occurring before the ‘year 2000 because recessions usually are spawned by an overheated econo: ‘my, which I don't expect to happen. "iepten Roach Pr "eForoon Site Ten years ago, America Ihad its back against the wall, competitively speaking. We have since fought out ofthat predicament, thanks to massive corporate restructuring, dows 1g, rightsizing and productivity enhancement. ‘Ten years down the road, we may be addressing an entirely different set of issues—namely, how to deal witha sys- tem that did not reward the agents of change, the sorkers, for their contribu tions to America's turnaround, This could result in a mote inflation- ary period and some destabilization of the financial markets, Reasoning: The strategies of cor porate restructuring and competitive revival have taken a disproportionate toll ‘ox American workers, who are als con- ss and voters. far the fashionable way to get pro- vi gains has been to make more | duc with Jess—through deep cost eutting and by pushing workers harder. But ‘workers want theirslice ofthe pie. Ga sharing via profit sharing and stock op- tionshas reached only a relatively small portion of a company's work force. ‘More and niore, employees want to get a piece of the benefits that they feel they have been delivering to the companies’ bottom lines. These ten- sions are setting the stage for a poten- I round of worker backlash that could lead to a major change in the US economic environment if itis not ad- dressed quickly and adequately. As a result, over the next 10 years, ‘we risk undoing much of the progress that has been made, «Avoiding the problem, This is actually a global problem, but because America was on the leading edge of restructuring, we will face the fallout before other industrialized nations— those nations that are only now get {ing around to following our lead. In the next decade, we must strive to balance the burden of productivity ‘enhancement Bificiencies must be ur covered not just by “slesh and burn” cost cutting but also by rebuilding— giving workers new tools, new tech- nologies ancl investing in human capital ith training and education, \nother decade of federal debt. Despite what we're hearing from the new-wave Republicans and contrary to the current conventional wiseom on ‘Wall Stteet, T don’t expect a balanced budget by the year 2002—or any time inthe foreseeable future. There just isn't a broad enough po- litical will for balancing the budget in America. This country believes that we must provide a safety net for the dis: advantaged, and that view is not going to change. But we can—and must— learn to use resources and deliver ser- vices more effectively. New consumers, Consumers of the 1990s are seared and overworked Coming in Bottom Line ‘ow to do almost anything right .Templeton's Mark Holowesko on hotjoreign markets. How to keep insurance proceeds from the IRS Auction secrets trom a Sotheby in- sider, ..Better college-touring—the Tight questions to ask. ask. a Bottom Line sxx === PERSONAL IRUARY 1, 198| aswell as under rewarded. Work force reductions are now affecting white- collar worlsers who were previously ine | sulated from economic distress. These fearful new consumers are no longer able to deliver spontaneous bursts of spending. Tn the next 10 years, [ expect con- ‘sumer spending to remain under pres- sure. This should produce some new trade-offs in discretionary-spending choices. People seem more willing fo drive older cars, wea last years clothes and forgo sleck new appliances and fur- nishings in order to spend money on the latest in electronics. In this income-constrained environ- ‘ment, we expect more of the same as America moves headlong into the (The Two-Minute Workout. Quick, clfective exercises, Fines Metwork, 5059 Newart Av, €24, Sav Dig 2107 $208 (0 Starting Your Own Business. How to formulate a business plan, .keep ‘ecortls..oblain information and assis- lance... help om the government "Nala! Bushes Assess, 5153 Deine Re, Se 1150, Dali 520.8250, [ls This House Safe? A guide toiden ting household hazards, Teh & Assit, Dept SW, 120 W, Bosch SB Alle Beach New Yor 50 C Birthday Parties: Best Party ‘Tips and Ideas. Bverybing you need to ‘knew fo throw a party for Kids—themes, activities, food, ete ‘Boal Fees Ate, 1826 neon Despaiet Mneactn 599 4805, (Phe Constitution of the United ‘States—in Simple English. Inciuctes the Dedaration of Independence. The Inematl Memory Tan ste, Mem yen, Nein Masacee W510 (National Safety Councils First. Aid Handbook. Whal io do for injuries or illnesses, Choking...burns., heart attacks, ete 187 color pages with illustrations, Jones and Bare Ptr, Jes Ae Speci (der Dep, 40a Pe Dr Soduy, Massie ts ore $096, The Parent's Mini-Manual on Drug Abuse Prevention. How to create ‘at environment of prevention awareness at hhomte, at school ay in the community. Cercr r Yut Besar, 10 B Wao 3, Sie 0, Chagoo. 3420 ‘Mises he gig cas A cals ere eee Laurence I. Foster KPMG Peat Marwick LLP Best of the ost ofthe old-style tax shelters have passed into histo- ry—but there are still safe and legal ‘ways to avoid or defer taxes. REAL ESTATE Congress has continued a few of the oldie tax shelters...and it hes just liberated the rules for claiming tax benefits from realestate. IFyoutre in a top tax bracket, consider these shelter strategies... Real estate, Investments in real es tate were the most popular old-style tax shelterTheir special tax benefit is depre- ciation —the annual deduction fora prop- erty’s presumed loss in value over tsi This deeluction has no cash cost bt ean spenerate ata los that can bé deducted against income to shelter it from tax, “Thus, real estate investments can produce deductible taxlosses and cast flow gains at the same time. Cateh: The Tax: Reform Act of 1886 shaply limited the dedueton of “passive” Josses—those incurred from investments in which a taxpayer has only passive, none management investment interest. Passive Iosses ‘ean be deducted only against pas sive income—although they can be carted forward and deducted against gain reco: nized when a passive investments ol Worse for realestate, the Act said all losses from real estate are treated as passive losses. ‘New: Congress has enacted a new Jaw that enables “professionals” in the realestate industry to deduct their reat estate losses against income earned from sources other than real estate. ‘A professional is someone who spends more than half of his/her work ing time and more than 750 hoursa year actively involved in a “real property Now trade or business—such as property development, management, leasing or brokering. Opportunity: Acouple fing joint return quale for his fone spouse meets the definition of realestate professional Example: A husband works fulltime ssa doc, an wie wars 0 foe naging their investments in rental ropertca i leses generated bythe op erties can be deducted gains! the income earned by the husband in his price. (OTHER REAL ESTATE TAX SHELTERS 16825,000 deduction, Persons with Adjusted Gross Incomes (AGIs) of fess than $100,000 can deduct up to $25,000 of passive losses earned from real estate against their other income—such as +. This deduction AGI increases from $100,000 to ‘Rehabilitation tax credit provides credit equal to the cost of 10hofrehabit itating nonresidential buildings con- structed before 1996... 20% of rehia bilitating certitied historic siructures. «Low-income housing creditis a: lowed by Congress to support invest ments in low.income housing. It can be ‘used to shelter up fo $25,000 from tax. Credits can total 120% to 150% 04 your investment over its ife—and itis possible ‘youl make money selling the property Risks: Once you're in an inv ment, hard to get out. and the qual ty of the real estate will impact you {economic returns, Consultan investment professional about the details, MOR SHELTERS les notneeesary fo resort to compl. cated or expensive shelter Laurence Fone, pr Sonal Tivaheie! planning grace KPMG Pest Nick LE, 4 Pak Ave New York 1S ieee Bottom Line cckicAR FEBRUARY 1, 1996 PERSONALinvestments to reduce taxes. Simpler strategi +Maximize deductible interest. If you have investment income, shelter it from tax by incurring investment inter- ‘est expense instead of normal con- ‘sumer interest Examples: If you intend to buy a car and make a stock market investment and you follow the eonventional route of Dying the cer with an ato loan while pur chasing the stock shares onlright, you wil ‘get no interest deduction But if you buy the ear for eash and borrow to buy the stock shares, vou prob- ably will get a deduction because invest ment interest is deductible to the exten of invesiment income, Ifyou have 2 business, you can bor- row (o meet business costs—such as equipment purchases—wbile maintaining the amount of eash available for person expenditures ‘Or you can finance personal expen ditures with a homeeauity loan that pro duces deductible mortzage interest. Helpful: I'you know you ace ing to carry a certain amount of debt overall, have a borrowing plan that minimizes consumer debt and concentrates bor- rowing in areas that produce deductible interest Home-based business. A busi ness run from your home—even a a sideline—offers major tax breaks. A sideline activity also can pay off per- sonally by promoting professional ad- vancement or a career change, How: [You can try out a ew line of work Attention Arthritis Sufferers || A choice is acetaminophen, found ‘Tylenol, It has surpassed aspiri in popularity as an arthritis treat- ment because doctors say it is less Tikely to cause serious side effects. New osteoarthritis treatment guidelines recommend first treating the disease with acetaminophen— then talking with your doctor about stronger drugsifthe acetaminophen ages not provide adequate pain relief, Also helpful: Exercise to eengten muscles... proper diet to maintain weight at a evel that does not place extra sires on joints. hs en he Aer nntlogy ste Ath Fei ae Bo by freolancing through a sideline, without risking a sudden career change, Sideline consulting can help you network to gain vahuable contacts, Tax breaks: Legitimate business expenses are deductible even if they ex- ceed your business income. So if you incur aloss during your business's start up, you can deduct it against other in- come, such as salary. You may be able to deduct. [Salaries paid to family mem- bers who work for you. Sovial Sceurity tac is not owed on salary paid to a child under age 18, when the business is a pro- prietorship. Ifa child receiving a salary isin a low {anc bracket, the family's overall ax ill may be reduced. Children could receive up (0 $3,900 of salary fax,foe in 1995, And another $2,000 may be tax fre if the child makes a deductible IRA contribu tion, Catton: Be sure the amount of salary is reasonable for the work done. Home offiee, inching the cost of utlties, insurance, maintenance and rent or depreciation To qualify for a deduction, the home office must he used exclusively for business and be the principal place where you can- duct the business. .0r a place where you ‘meet clients ar customers regulary, [Keogh retirement contiutions of tp fo about 20% of your seltemployinent income are not subject to income ts, ‘To support business status for a home-based activity, you must demon- strate a genuine profit motive for em ‘gaging in it, You don't actually have to ‘makea profit The Tax Court recognizes that legitimate businesses suffer losses. But you must conduct the activity in a ‘businesslike manner consistent with the goal of earning a profit—by keeping ‘2001 books and records, adiary of bust ness checking account, efc ‘Make retirement plan contribu- tions early. Most people think of the deduction they get fora retirement plan contribution as its major tax benelit But over the long run, tax deferral on the plan’s compound investment re- urns may be even more valuable, Take advantage of this by making plan contributions as eariyin the year as possible instead of waiting until the last minute, ‘+Make gifts to low-tax-bracket family members. By gifting in- come-producing properties to family memibers who are in low (or zero) tax | brackets—such as children over age 13 or retired parents—you can shit in come into their tax brackets and re duee the family’s overall tax bill Oil and gas. To encourage de- velopment of oil and gas resources, the tax law lets oil well owners claim depletion deductions that can be used to offset some of the taxable income earned from the sale of extracted oll and gas. These deductions are al lowed in addition to the normal de- duction for operating costs associated with the well, Caution: Although of exploration coffers potentially high returns, itis a risky enterprise, Under current law, an investor who seeks tax benefits from an oil well or a gas well must have a direct ownership interest in it. Ifs no longer possible to limit risk by investing through a limited partnership that fixes your maxima lability atthe amount of ‘money you initially invest. Direct own- ership means you are directly liable for the wells obligations, Important: Consul with an indus. try expert before investing, . Parents and Their Children. Estat. mg@oss..Now much to save. .appving for and evaluating a financial aid package ‘Clogs Arter, PF, Han 350 Mere Vigna 26 Phe (What Works and What Doesn't, Report on children’s personrl-salety prod: ‘ucts and services io help prevent abtction and other dangers, ‘SubSCha A Sener 4 Pay Monn i Amin PSE le gee So soa emer Guidelines to help improve ration a boart-certicd sex therapist, Pied Bus, FD, 23 Sher S, Pall, Con ecto Ot: Ica a seleadeised, stage, bisnee ed cole, Pee 1 Catalog of toys/minkeplicas the past. Foreign and US reproductions from the 1930s and 1940s of colorful tin Motor Co, Lith Bex 47, Yerngton, MM Pree (0 Introduetion to Lupus, Ditierent {ypes...causes...sympkoms... diagnosis ‘resimtent...nutiion and die Tag Fini of Ane Is 4 Reseach ‘oJ, Rooke, Miya PC Pe FEBRUARY 1,4Lerner «athe most dangerous driving day is Friday? Most dangerous time of day: Late afternoon to early evening. Most dangerous month to drive: November, ‘The safest month is March. safest day, ‘Sunday. Caution: Medium and heavy trucks make up less than 4% of regis- tered vehicles but are involved in nearly 10% of fatal accidents, ‘Nawal Sty Cue tic Hl wuthe healthiest breakfast cere- als have whole grain listed as the first-—and therefore main—ingredi cent? Also check the nutrition label for limit is 50 grams Gour grams equals ‘one teaspoon), Look for lowfat cereals not necessarily no,at ones, Reason: ‘Whole grains contain essential fatty acids, vitamin E and other important ‘nutrients, ‘rou Nome Ret Fighters Cootbok by Sade ‘Woah D, ution ten en Fria {ry Petting Croom 005, se weight gain causes foot prob- Jems? As weight increases, fect grow larger and a person is more likely to hhave foot and ankle trouble. Example: Overweight wornen were three times as likely o have ankle pain as women ‘of normal weight, | © Gael Hes 4, oropele aces Unies of Saute Calls Foot Aa lai Lae Ange aac oa freyrar ads 580 mee «illness can be good for you? Some disease symptoms show that the body's natural defenses are work: . Fever is a defense against infection, Nausea and vomit- ing remove potentially fatal toxins from the body. Coughing also r moves toxins, Disease and health are mote closely related than most people realize. The human body repairs dam- age by having cells divide—Dut the same mechanism gone awry can lead to cancer Raa M. Nose, MD, pabase o yc, sient of Mich Metal Sell Aon hor sata a ye Gt SUe The See of Darwin is nes Boas $0, students know very little his- tory? Only 11% of 12th-grade students tested at the proficient level in history, In eighth grade, 14% were profi. cieat...in fourth grade, 17%. More than one-half the 12th graders and more than one-third the students in the lower grades scored below the basic level of knowledge. ‘alan history eng by he US Deere of cto repre wo Hk, 29 eam sugar content, A prudent daily sugar | Deepak Chopra’s Secrets of Having atigue is one of the mostcommon problems doctors are asked to treat, Com- plaints ahout exhaustion it players (which sell for about $100) a viable alternative fo the more expensive 32it machines. NEW PRODUCTS, (CD-ROMs: New tes fr kids ages tiuce to si are hitting the market. Ties are generally inthe S40 to 45 range. [i Ritchens: Anew I-iy survey finds that a major remodeling job now averages $2,000 to $30,000, HEADING HIGHER Drugs: Look for bigger hikes-—ahove the 2% average ofthe pest yeat ample 19% ‘of monitored wholesale drugs rose an aver age of nearly 6.5% during the past three [months bath, playing or listening to music,.and @ change af seenery, EXERCISE IN MODERATION Americans’ obsession with strenuous exercise is creating an epidemic of ex- hraustion. Pushing ourselves past what ourbodies are naturally designed to han dle results in long-lasting fatigue. Solution: For maximum energy, exercise seven days a week for 15 to 2% minutes at a time. Sore fitness experts recommend taking & day off between ‘workouts—but that’s becanse ouraverane ‘workouts are too strenuous Instead, exer cise daily, butt only 50% of your capacity, Example: Ii you are able to swim 2% laps, only swim 10, You fel enengetio—end ‘overtime, your capacity wil increase. KEEPING NATURAL RHYTHMS ‘The body is most responsive (0 cer tain activities when they are performed at specific times of the day. Before electric light was invented, ou schedules were more in keeping with these nabural rhythms under which our bodies evolved. Rediscovering them will help you feel energetic every day... Awaken between 6 am and 7am. Exercise in the morning—or, if this isnt possible, no later than three hours before bedtime ‘Eat Iuneh between 12 pm and 1pm. ‘Eat dinner between 6 pm and 7 pm...and wind down with restful ac tes afterward, such as going for a wall, reading, playing games with your {amily or listening to music, Go to bed between 10 pm and 11 pm each night. ‘Helpful: I you try going to bed at 10pm buthave trouble fling asleep, con't worry aboutit Justrest quietly with your eyes closed. Clear your mind, ane avoid dvveling on anything thatis troublingyou. Your boty wi et the rest i nets, Ove youl notice an increase in energy in the torning, and you'll be able to fal asleep at the earlier hour. "TAKE PLEASURE IN LIFE Joy is a natural energizer. If you're having a good time, you'll never be fatigued. In fact, studies have found that {80% of people suffering from chronic fatigue score higher than normel on ‘measures of depression and anxiety Solution: Practice shitting your awareness to the postive. We cant avoid negative events, but we don’t have to ‘well on them, ‘Treat others with kindness, toler- ance and love..tefuse to entertain neg atvity...and pay attention to the joy and playfulness that can be found all around you, Learn to meditate to help you get in ‘ouch with nature and enable you to see these simple joys. EXCEPTION TO THE RULE | | _ Ifyou are bothered by persistent fatigue, have a thorough medical | checkup to rule outa treatable physical cause—such as anemia, thyroid prob- Jems or mononucleosis. . Pat Dickerman Warm...Wonderful Arizona Ranch | | Getaways (Grapevine Canyon Ranch isin Pearce—85 miles southeast of Tueson. Amaximum of 30 guests stayin tucked: | away cabins and casitas amid the manzanita trees. There are no children’s programs, and the minimum age is 12. ‘There's a pool, hiking, sightsccing trips and nearby goif, but the emphasis is on riding. Activities/facilities: Trail rides, ranch chores, riding alongside the aie and country cooking. Winter rates: $150 pee person per day, double oceupancy...$215 fora single. December through February. 800245012 [Lazy K Bar Ranch is 16 miles northwest of Tucson, Small and inti- rate, it has 23 rooms circling a heated pool, By the second day of your stay, you'll know all the other guests. The ranch offers excellent trail riding and team penning. Activitiesifacilities: Hiking, tennis courts, cookouts, nearby go, Winder rates: $115 to $40 per per son per dy, double occupancy, three mine imum stay. Olden ages sis trough 17: $85 perdi February though April 8003217018 Rancho de los Caballeros. Ar‘ zona’s most luxuirious ranch sits on 20,000 acres inthe historic goldhmining ‘eto Line Poona iolersewe a Dicker, ‘tee wer ho hae vied each afte ranch find may more Arona Shs ahorof Far, Fons & Country Vocation i America (havent Sitges $1985. nee Bottom Line ez 10 FEBRUARY 1, 1996town of Wickenburg. Since riding is charged separately, this resort is ideal for those families in which only some members are interested in horses Activitiesfacilities: Private golt course, tennis cours, poo), skeet and trap shooting, ature mesquite-Sred evening cookouts Winter rates: Jonuary—S254 to $99 per person per day, double cceupen- oy..Febraary to mitt Me-S290 to $4 rates include three meals per day. Special sgling and siding packages are avalable. son6815080, MTanque Verde Ranch is one of Arizona's oldest and most elegant ranches. There are 130 horses ior ‘maximum of 175 guests. Activitiesfaciities Fve tennis courts fishies pond, ixioor and outdoor pools, nearby golf course and children’s program that includes nature hikes and evening presentations by naturalists on everything fom asrononay to spiders, Winter rates: S250 0 $375 for twa people per day, double oveupancy: Cron ge thee and under SU per day. December through Api 90. 800236388. (White Stallion Ranch is a 3,000aere gpread near Tueson, run by the same family for 30 years, IPS a worke ing ranch, meaning guests ean ride through grazing cattle. Yet you'l find a full array of resort amenities. There's also plenty of Western-stye tail riding and frequent rodeos starring local ‘wranglers. Winter rates §110%0 $159 pe per son per dy, double accupancy, October 1 through Abril 800782 2 Basics: Exercise at the same | time each dey... you usually exer- cise outdoors, have a plan for bad ‘weather...reward yourselfafier exer. cise by daing something you enjoy. _give yourself treat aller reaching portant exercise milestones. ‘quenliy remind yourself ofthe mai reasons why you exercise... ask for Iielp from supportive people—and | avoid discouraging ones, ive yourself atleast 20 days toes: tablish ihe exercise habit. ‘Ste Line DPM, pn rate ps scion and aera an ROR [Paps ot at es ee Po S80, es, haywayon rides to | Robert Perry Success Strategies All About Owning a Franchise Needed he great thing about franchising is that you are in business {for yoursel-—but not by yourself. When you buy a franchise, you are buying a license to use a system that has already proven successfi. Best ofal,you don’t need a fortune to sgetstarled—nor must you quit your day job, Many franchises can be purchased for $15,000 or less and allow you to work parttime and run the franchise as aside Tine business to earn extra income. Hit succeeds—you could eventually turn it into a fulbtime business, WHO SHOULD CONSIDER "FRANCHISING? Any franchise worth considering will train you to do whatever work the bu ness requires. As a result, you don't need muich experience in business. Franchising is also idea if you want your ovn business but would need lots ‘of help and support to got started...or ifyou're willing to follow someone else's system—but want to improve and strengthen that system, Strategy: Do an honest selt appraisal to see ifyou have the skills and temperament for franchising, You must bring a willingness to work hard, pls. ') Management skills, You will need ‘some minimal management skills to org nize and run the business. CiSales skills. You must enjoy work inur with people..serving eustomers..pre- senting aprofiucl or service...and canine. jing someone else tat itis worth buying. GeTmNG staRTED Choose a franchise based on your particular interests and the amount of time you have to devote to it. Butbefore you sian any documents, investigate the franchise carefully. Keep asking ___ PRIVILEGED INFORMATION SS 000 or less questions until there are no more se- cerets left about the business you are considering. Steps to take ‘Start with a document called the Uniform Franchise Offering Circu- lar (UFOC). ‘The franchise company is required to give you a UFOC before you sign any franchise agreement. ‘The UFOC is crammed with useful information about the business...the franchiser’s management and back: sground...the fees you will pay...and the ‘raining and support you will receive. On the back of the UFOC isthe legal contract, which you will be asked to sign, and financial details about the fran- chise company. Don't sign it until you understand everything in that section. Legal strategy: Ask an attorney who is familiar with franchising to go over that contract. Make sure the contract spells out in detail the territory that will belong to you exclusively under the agreement. Courts have consistently said itis your tough luck if you sign a contract that doesn't spell out a specific territory. ‘Without such protection, you can fall vie- tim to “encroachment.” That's when the franchise company begins squeezing more units into a given territory, Financial strategy: You can't sc. ceed ifthe franchising company fails AC least 5 ofall franchising companies iil each year. Beware of any franchise com- pany that hasn't been in business for at feast few years. Have an accountant walle you through the financials, looking for signs of wealsness that could hamper your chances for success, The UFOC must | ‘Baton Liw/Peosount tere Reber psdent of Stone Sage Inet [= fates devekner ak consing {Si Borg Ste 38, Cage Pu Mayne 300 Tle hor of The 0 Bas Lae Insert igh Prodhes (e. teeta $298 FEBRUARY 1, 1998 PERSONAL "Pd also The proof mst be don i busy aiaking sure they are achieved fhow [inthe sexs work for me figanst me. Por this oe, yond ant (0 5 sy fay hal-howe heh tinguished program. Magieserinar oat ai Gr How L actually accomplish absolutely everything I want fo! ello, Pen Martin Edelston. | Founded and 1% Bo Tne., publisters of Bottom Line/Personal snl other ‘and T founded {he institute for American Education. started 23 years ago with « few thousand dolla in my packer. Last year, we oid more th) $100 milion Worth of business, Yet every th sind Lonean everyiting printed or ted hy Boardroom Ine. Alan Laken ste The foe For the Th is $17 fortwo)--and we'l give you back— the spot--every single penny if you're 7 a pemy iy ‘New Yr i siresseta as euch for Americ cin ‘dram 000 things Ereenwieh published, yo something even more amazing all-dene with just to pieces of sand Vd like to feach you ‘how to do itt to shaw you hot bow nay pocrasinaion Grane? Td Tike to show you te foo! ay to decide qutckly—what nw, ea wal. val ever to bother with re with you the supe son ay 0 3 ‘oats ae and i hank me forever? ‘Al thisand mc, mich mone—is Sncludet in an nevodibie threads Management Magic eminat-sponsored by’ tho Green Institute which Fa ke ye to alent 1 promise an slecinfying lsrming session {hat wal Boos yur peso efiony 1 au never dreamed posse, should also tell you tha the dis 1 Saat Ae 1 Geers! | va tiie, |e i TTfoom no 2223 1186 ami i i i i t i 4 : i ‘ ' ' ' t ' ' ' ' t t t t ' t t t t t t t [money they are m include the number of franchises that have changed hands or gone out of busi ness during the past three years. A ‘mover rate above 10% is worrisome. «Even if everything checks out, call or visit existing franchisees. Speadi aday or two doing the work. Workin the store or go out on calls to see ifyou like the business. Question everything. Are other franchisees happy with the franchising company? Did they get the training and support they were promised? When a franchising company falls short, itis ust ally inthe areas of support and traning. ‘Ask other franchisees how much king in the but it ives up to their ness...and wheths expectation ‘Mranchise company can provide po- tential franchisees with earnings claims. Most do not in order to avoid legal problems. Ifa franchiser doesn't make earnings claims, you must pamp other franchisees for the information, HOP FRANCHISES NOW ‘There ave plenty of franchises that can be started for less than $15,000. ‘They can be run parttime and do not require special skills or abilities. Some of my favorites now. Duraclean International (800- 251-7070), This is one of the oldest names in franchising and offers many different franchises. The least costly one involves going to homes and cleaning earpets. You ‘charge on a percarpet or perroom basis. | You would work on weelsends mostly. Shills or experience required: None, except a willingness to do moderate: Iy hard physical work, Number of franchises: 519. Cass {$6,400 franchise fee... $5,500 startup ex penses, Prot potenti $10,000 to $12,000 a ‘year alr the ist year, working parm I Jani-King International (800- 552.5264). You build a clientele whose stores or offices you clean requlaty. Workc is done in the evenings or on weekends, Skills or experience required: None, except willingness to do moderate- ly hard physical work, Number of franchises: 5,066, oss $6,500+ fanchise fe... $2,500 Stare up expenses. Profit potential: Expect to spend at least one year building a elient Jhase al to earn $103,000 to $12,000 a year after the first year or to. Jazzercise (800-218-4748). You would go to churches, community centers, ee, andl provide exercise class es to acs You ean charge each partic: ipant on a perclass or pet month basis, You ean work several days a week... eral hows day oF on weekends Shills or experience required: Be in goo enovah shape to conduct several txereie clases a day Number of franchises: 4700. Cox: S50 rmehise fee $2000 sp tenes. Pratt potential o 10,00 by the end ofthe fist yea (Cl Pre-Fit (312-233-7771), You travel to schools, churches, head-start pro- grams ete and conde ness progres Gnce or twice « week for preschool chik dren. Parents pay extra for such classes. ‘You can work all or part of several days a week Shills on experience required: Be ingood enough shape o conduct several sess lasses Number of franchises: 33. Costs: 56,500 franchise fee. $50) t $000 at thal startup expenses. Profit potential $15,000 by the end a the fist year. Stork News of America, Inc. (00683-6385). You work with merchants to create packages offs, samples and centpons for new mothers. You work a yeutrown pace, Merchants and others pay to get their names befare new moms. Shills or experience required: None Number of franchise: 5, Cost | $6,000 franchise fe. $2,000 ational | sirapenenss Pit tet S10. aye Kenneth Edwards: | Better Home Selling hen selling your home, look at itthrough a buyer's eyes. Give them directions to your home via the most scenic route...use a city oF ‘county map to determine the distance from your house to local hospitals, shopning, schools, libraries, etc Include this with the information packet given to prospective pur- chasers. Inspect the house with a {resh eye, from top tobottom, and de. cide what needs to be done to im prove appearanees.,.mprove the home's “curb appeal” by xing upthe landscaping, painting, ec, ‘Start preparing now for the com- ing houseselling season. “he Moet) Sil ade ye oe te agent Kec tars Bae Ei nny S48, caisson Bottom Line xem FEBRUARY 1, 1998New treatment for mild cases of enlarged prostate: Saw palmetto plant extract. The condition, called Benign Prostate Hyperplasia (BPH), is a common, noneancerous ailment that ‘occurs when the prostate swells and Constricts the urethra. Symptoms: quent urge to urinate._.weak urine stream. inability to completely emply the bladder. Recent studyr Men who took 320 mg per day of this extract cut their nightly trips to the bathroom nearly in half and inereased their urine flows by 50% ‘The extract is be: lieved to block the hormone that caus: es the prosiale to swell and is widely available in healih food stores, ‘Aan Hale, MD esisant potesser of oro, ‘Columba Uwe st? College af Pays lS eal NewYork © Continuing medical education is crucial toa doctor’ ability to maintain his/her sal and training in the latest ‘medical research and procedures, Ask xi doctor how many hours of contins- ing medical education eredits he aver ages ina year, And do your own rescarch in ereas of particular concern to you ‘then bring the material to your doctor attention in case he has not seen i ert Yo Shae rn yb Yr ac Puy peo oth Se el (ever fit Nc hae il es 020. C1 Meningitis. warning: Bacterial neningitis—the less common, poten- tially deadly ype—Is most prevent in late winter/early spring. Viral meni. sits is most prevalent in late summet/ early auturnn, Synptoms are the sme— severe headache, fever, siff neck. It you experience symptoms, see your actor immediately Bacterial mening tis requires antibiotics. Virals treated simply with bed rest. Prevention: Good hyiene—wash hands after using the bathroom. ..don' share foo. seats Da tps | Reminder: Safest way to lift objects—bend knees and squat down 10 the object’ level. Bring it close to youl, then stand up slowly. This lets ‘your leg muscles do the work of iting, reducing the chance of back injury. When lifting objects out ofa car trunkor rear seat: Since you must bend at the ‘waist, puta knee on the bumper or a foot inside the ear—to reduce back- nuscle sires ‘Seen Hoar MD, cfm, ack natin PhmoyTiatg bal abuse takes place all the time— in our schools, on ‘our streets and in our homes and bust: nesses, Sometimes it assaults us as ob- scenites, insults, ethnic or sexist epi- thels or vicious taunts, Often it takes the form of sarcasm, ridicule and even ubtle putdowns under the guise of being helpful Sintce verbal abuse is dangerous to ‘our heaith and wellbeing, is important to establish an environment in wich verbal abuse almost never occurs, WHY VERBAL ABUSE OCCURS Someone who is a verbal abuser not necessarily a sadistic person who takes pleasure in the suffering of oth- ers, Many verbal abusers are not even consciously aware of their actions. | ,_ I€asked to explain their abusive be- havior, they often say, Its for his own 00d. she’sstubbom aid refses to comp erate. ..0rsomebady has to be in charge. People who use verbal abuse often grew up in homes where verbal abuse was the norm, Some are verbally abu- sive because of psychological problems, physical disorders and unresolved traue malic experiences in their pass, Verbal abusers are often unaware that there are other methods for deal ing-with tension and conflict. IDENTIFYING VERBAL ABUSE ‘There is always a nonabusive way to transmit a message with painful content, Verbal abuse occurs witen you are hurt by other people's words. How else could you feel when your boss yells, Will you ‘lease expiain why you can't da anything right?...or when your spouse screams, Your behavior is disgusting...and T am snot going to put up with itany longer, ..o8 | when your friend says, Diat ought abmost SELF-DEFENSE Suzette Haden Elgin, PhD (Oatak Center for Lemgiuge Studies Verbal Abuse Self-Defense Lessons How 10 stop it in others and yourself ‘makes you look thin. The reasons verbs abusers say things are quite different from the reasons of people engaged in normal conversations, They are not interested in the answers to their ques- tions or statements as would be expect ced by others in similar circumstances. ‘They are not really even interested in the issues they raise, People who con- sistently use verbal abuse are interested in only two things: FaDemonstrating dhelrpower to get— and keep—the attention of the people 10 whom they're spesking, CiProvoking an emotional reaction in the people to whom they're speaking, which ‘is additional evidence of their pawe Verbal abusers are aware of these ut they are usualy skilled ing them, HOWTO STOP VERBAL ABUSI Be aware. Determine in what sit tuations you experience verbal abuse, Examples: When you talk to your teenage daughter...when your neighbor ‘comes over for colic. Wiat are the situations outside your ‘personal life during which you encounter ‘verbal abuse? Who is the most verbally abusive person you deal with? sImprove your verbal skills. Re- ‘member the source ofa communication problem usually is nota person buta se- ‘quence of language, Pay attention to kane ‘guage and the way words are said. Respond differently. Instead of answering an abusive comment with a counterattack, debate or pleading—try ‘Baton Liner crewed Sate Hen gi Pfr he Ue Cre for langinge Shulies, Bex 110%, intl 2040415. Shes aur oi bkaon aba ee, lactate ae oe Spying Pa Vata vce ‘ek We & Ser 1495, ice _ Bottom Line SERRE FEAUARY 1, 1996 PERSONAL 13rT) ry P-E-O-P-LE oR Ter eee And that includes everyone: ‘Your spouse...fends...coworkers. teammates, -business associates. ‘and practically anyone else ‘you can think of! ts more it will get them to do whatever they eat to make you happy and suecessiul as, possibleand continue to dot indefnitls! It’s called 1-POWER technique i 8 powerful—yet so easy to master=-that within four hours, Its _uavonea io revohtonie your if forever ‘Having problems “eling through” to § someone? Use Power to get thal someon {footer ways the io of you ea really eal Fe iveryane al work sel in a “What dhe F heck do Leer, i nt nly jo? ru? Power El fam the rat une of maontens nt ¥ Snenhsaste,"weoriente” mace ‘Suck in a relationship, career or bus: 4 ines that has meandered to a meaningless 4 dead end? LPrwer wl open breathlaking fpportunities-and ara you with pracicl sevice an how to eapaizeon Gem “The mos incredible thing i ho spe itis A chor seminar i all You ned to put Per to work for yo, PPowrr seminars are brotight to you by the Greenwich Insitute for Arsercen Education, a nonprofit ‘rgativalon fondest by Marin Edelson. Costs ie See fr attending an Lower seminar fs $175 for one person. for ‘ovo-and wel gay give you back every centifyore no sok sais TREE BONUS. Ista Mogi Me wile we have you atthe seminar, well ilo teach you-omihespoe—haw to ep nto a roen ul of people snd erie remember everybody's name. Is puarantod 10 work veh Ar you have the ‘Boris worst memory focrames, t ' t ' ' t t i i { i t 1 t i t t 1 ' t t 1 1 t t i t 1 ' [Titan 28 509 (Raat S| (oak [ovis ee (Pmt 22 Teams) ROR 2 ‘ate [ites a8 Fash ot geben En eye [Sees 38 Sire 227 (Blsdaoepe208 (See Fikaris ae Saab an emetic: — Elsttaue FiteAngtsans Tage “Wasi, DCE New York Cig 1736.81 Gail for reservations sips. 204 Miss Gronch Ite for American Econ aint Lctceen eerie to clavfy and investigate the language that seems to be deliberately hurtful Use neutral intonation and impersonal Tanguage. Examples to avoid misunder- standing and hostility. (DT think I must have misunderstood go. Could you repeat ha for me, lease? CL fro sou woud have said that senless you hd a good reason. Cond you tell ‘me what it was? ‘*Defuse hostility Ifan intimate ree tionship (with your spouse, parent or child) exists in a verbally abusive envi ronment, don't bait or fuel the pattern, Strategies: Write an angry letter the person with whom you eat comma nicate, hen tr it euay.or you ae in the mood to perpetuate ti bad feelings, warn the other person, Example: lnstea of starting an ane ment the mina you are bome from work, you could tel your spouse, J want ¢0 arn Jouve had a hori day, and Tm 50 mad dont rust mst tales. Pm going Stairs for a fa mirates, be down a 00m a 1 slop fea ike Atta he Han, «Diverting response (o an attack. Instead of being swept up inthe person- alatiack when someone says, Why can't ‘you over do anything right? try to light en the situation, nse: I think it’s because of some- thing tat happened to me when Twas just a Tie. We wor tving in Indianapolis atthe fie...o, wait I cou have boon Indian polis because that was the year may Aut Eve bm came to ost ws and browgt her deg, So it set have been white se wore lcing it At lata, Angway we wae “This responds directly to the presup- position that the verbal abuser actually ‘wants the question answered, ‘Resist the temptation to be right. Ifyour goal is to perssade the person to stop using disrespectful language toward yyouand move fo a win-win situation— youl have to stop the linguistic combat. Example: When‘ husband screams athis wife, What’ the matter with you, any- way? You're supposed to know something ‘about kids and nutrition? she might seream back, fd mot ted to pu wp eth this hind of theatres! Dost ever tae to me like that ‘gain! Better: ‘The more productive re sponse is, [tow sow oo tol to alee sow would be this angry over af potato chips You ‘sue spent the shale dyin a fressere cooker.. do sou went to tell me abe it? “This anewer allows her to defuse the verbal attack and bring ito an end with no Joss of face on either side, How to Get Better Service In Any Restaurant ‘ere’s what you can do to make sare that your water and table at any restaurant are excellent PASTER SERVICE, Strategy I: To make the waiter aware that yot'ae ooking for efficient, fast service tel him/her that you are facing a time erunch and would lke to eat as soon as possible That not only draws your wait crsattention to your priorities, butalso lets him alert the kitchen, Your food will prob- ably anive quickis. How fast you and your fests eat fs then upto you, Strategy Il: Callin advance to let the manager kaow that you would like prompt service. To meet your request, you will kely be seated ata table being served by the restaurant's most efficient waiter: AVOIDING TWO BIG PROBLEMS ‘Struggling to get the waiter’s at- tention, ‘To be sure this won't happen, excuse yourself from the table after you artive. Find your waiter and explain your needs. Ask him to keep a caret eye on your table throughout the meal, espe- cially when you and your guests are ready for the check, ‘Rotten service or waiter rude- ness, You can makea scene and get up to talk to the manager. But this ap- proach almost always involves agitation that is difficult to hide from your guests, Your stress will lkely rain the meal for others Better: Realize that there sno ele- gant way to solve the problem while you're at the restaurant, unless you ex- ‘use yourself and talk firmly but politely {othe manager or owner. Once you leave, however, there's plenty you can do. Con. ict the restaurants manager or owner by mail or phone and politely outline your strievances. In many cases, the owner or manager will be so dismayed that you ‘may be invited back for a drink, hors oeuvres or dessert—compliments of the restaurant etireeceem tom ne Percale te Wb, re eof Sr tacoma th rte or ‘tos forthe estat at play inde, Bax (7h HO Sato, New York tien. 21zoa508 geese Boltom Line eee 14 FEBRUARY 4, 1998‘Ones best qualiie shank Dy extraordinary cireamst ceeyey deeds SiS measured et bt bY nis ‘TO YOU and your money CUATM fees are rising, Almost all banks charge customers who use ma chines owned by other banks. Now imany of those other banks are charg- ing customers access fees as well. Re- sult: The average cost of withairawit money from an ATM anywhere other than your own bank is expected to rise to about $2 or more. Setédernse: Use a bank teller...or use your own bank's machine. Ifyou must regular Iy take out funds elsewhere, withdraw larger amounts less often. Fees are not determined by the amount with- drawn. The average ATM user with draws only $05. At an ATM with a $2 fee, the withdrawal costis avery high 3.63%, resident, ta ates, sang oiling rm, ae CO Beware: Bond funds in a 401(k) are not really the safe invest ments many people believe, Reason: ‘These mutual funds do not hold bonds until they mature. A bond fund invests in thousands of different bonds in a constantly changing market. Rest In- come isnot fixed —itvaries asthe fund manager buys and sells bonds, And the market value of principal also changes, depending on whether the funds sell at « gain or a loss. Even a Jongeterm government-bond fund subject to these fluctuations. Better I you are seeking guaranteed income and market value, buy individual bones and hold them to maturity "iain Your Ne fig wt Yow 01) by lynn ene poms kn ves Bem 1085) Cinvestment seminars can be a szo0d place to start learning how to in- vest wisely for retirement. Cor the popular belief that free ern just glorified sales pitches, many are straightforward presentations of basle but useful information. Consider at- tending a seminar sponsored by amajor financial insiution—they are les lke ly to be disguised pitches than ones from little-known groups. Seminars vary widely—larger or smaller, coed or FEBRUARY 1, 1996 single sex—malking it easy to pick one at which you would fel comfortable Tura Perse, perennninance cca The ‘Naw York Toe (CiBeware of surplus notes, Surplus notes, are issued by insurance companies, are debt instruments that in | surance companies are allowed to treat a8 equity for regulatory accounting pur- poses. Interest and principal payments ‘can be mace only with the permission of insurance regulators. Some mutual funds have invested in surplus notes, but the risks associated with surplus notes are not disclosed to fund investors. Joseph Meh, poe emesis of ance Iden Unters ero Te Ison Foren, a2 ee darn 20 Mah tal Do not be fooled by people who al- ‘ways appear busy. Ker Make sure they are busy in productive ways, But do not equate daydreaming with lack of pro- ‘ductivity—employees in ereative fields need time to develop insights and ideas. ‘Shion Jone ein, Matton Setar stowage 7 Hoy, nor Nor Jey Many 25 CoHome offices are not covered by ost home owners’ insurance polices. Most policies cover only up to $2,500 in business equipment. Setfdefense: Buy a policy rider—itcan significantly expand whit is covered. Annual cast Astle 2s $60. If the annual revenues of your home business exceed $35,000, consid- ex buying a separate business policy. It will cover inventory, abl, business disry Annual cost: $150—and up, iat Har hs of be Bats Newari a show orem awa catr of Woking om Tres Bring Yo Red ot Ce ot orig Cr Se Brey Th SE) (Technology breakdown plan. To De sure you have alternatives available if ‘equipment on which you are dependent breaks down—list equipment on one side ofa page and backup alternatives on the other, Examples: typewriter if vour word processor breaks down...a trade tional phone in ease you lose electricity andl can't use your cordless phone. Tine Meaty Mee Mae, es 4 tinertanaeea om enw Cama Ga Praca! ting S10) Dinerease your confidence by ac- complishing something that brings you closer toa goal. Divide large goals into ‘inal steps. Every time you take one of those steps successfully, you build your ‘own confidence—making it easier to tain the ultimate goal Contnce: Ping I eid Living 1. by Deb DeAngelis, THD, resioshey cope! ae lust aman ay House, 81) and your family Ci Time-outs are good for parents | as well as chikiren, Sending children to quiet, nonstimulating areas keeps con- from getting out of hand. Tt also gives parents a chance to get a hold of themselves. Hifective: Give time-outs consistently, after only one warning. Stay calm—if you yell, your child wil too. Givea time-out in a neutral area ike a hallway—there are too many distrac- tions in bedrooms and playrooms, Seta timer to measure the fimeout—one ‘minute for each year of the child's age, Th Chale Childby Med Get PRD, ck choi Ar Calor Gey ek 1095 (Help kids learn goal-setting by avoiding an automatic yes or no when they want to have or do things. Instead, ask how they might go about getting what they want. Ifthey cannot figure out ‘where to begin, help them outline the St pron Nake sree ek imouto fey will learn delayed gratification if you ‘make it clear that they can do what they want to do after they do what they have indo Cote Brae from small failures. Children need to Jearn the consequences of their actions. spencer chikisen (Pesigee Backs, SI : (Cast a wide educational net dur- igh eg ce By roca ange Oe Cage Use a en yo dais pete oe ls from the colleges—to look for schools that will be the right academic and personality fit. Helpful: Create a checklist of what you want from college. ‘Match it, element by element, against what you learn about each school. oe CO Reminder: Air bags can kill infants who ride in rearfacing safety ‘seats in the front of the car, Reason: As a bag inflates, it emerges at 200 miles per hour, striking the back of the safety seat and the baby’s head, which can cause multiple skull fractures, brain damage or dea Rag et cry gs tom Line emmy PERSONAL sinot fo use them in the front seats of cars ‘equipped with air bags—but some pat= cents don't pay attention, Shei Fabel, vce sat Be (J Cut entertainment costs with a visitto your library. Most larger libraries have a variety of free movies on video tapes, record albums, books on tape, ‘even CDs. If your library has a stall selection, as about interibrary-Joan pr grams. Many smaller libraries have access to larger ones through sharing programs and te costs tll noting Rathrgn Maron, eater. he Realty Chet Gant, 67 Soy Nae, Vig 20 See 6h ting your records organized and taking the time to fil out the organizing Kits, ‘many preparers send to clients, Welk organized taxpayers can save 10% oF ‘more in preparation fees. List questions and concerns before going to the pre- parer. This will save time—and cut costs (of preparers who charge by the hour Eley Hem CPA an atric iNew York Superow life insurance rates. Special rates are available, but only to applicants who are super-healthy. Sev eral insurers are creating new super preferred ternvinsurance classifications {or people who meet very tough health standards, The standards sometimes extend to an applicant’ f ude jing how long parents lived and what se- rious diseases they had, Insurers are also tightening definitions. Example: A current regular smoker and someone who was a smoker within the last 36 months might both be considered smokers for premium purposes, tear egies Date Ob and your travel (Check out a resital ear before driving itaway. You are not obligated to take any car that does not suit you, Ifa car has major dents or scratches, have them noted on your contr sure the ear has a spare tire and jack and, in winter, a window seraper, "asl Sat: Gti he Sat Yr Tae Dab tory Wester tesa er, Pet St Cle ‘eg ren S126 C1 Ask how early to arrive before a flight. Aine reservations personnel and travel agents can tell you, Requirements, 16 ... andl your meneysavers | [Save on tax preparation by get vary from 10 minutes to two hours, de- nding on the airline, point of departure nd destination, Ifyou do not make the deadline, the airline can cancel your ) reservation and give your seat to some- ‘one else. If thal happens, you are not eligible for bumping compensation, Po Gog erate, Cou New Tay 203 atin ve, New Yo 1D Ma 518 (Cl New names for time shares— / such as private residence clubs—are tat- geted to overcome the industry's bad reputation. New approach: Targeting tion clubs, resort clubs or interval ovwn- \ership. Some time shares are now sold by top companies ike Marriott, Hilton, Hyatt, Four Seasons Hotels and Walt isney Co, Check each deal to deter- mine its reliability and how well it fits jn with your personal lifestyle, and your pets: “I Test a puppy's personality be- fore buying it: Hold i sot fet ar afew inches off the floor. A normal puppy will struggle abit, then setfledown...adome inant one wilt keep strugling...a sul missive one will dangle passively. Hold te puppy on its back on your lap and com- Jfortit, Anorinal puppy wil struggle ait ile, then seitle...a dominant one will keep fighting... submissive one will auickiy give in or may panic, Put the ‘upby on the flor and toss ita small ob- Jet Itshoukd chase and play with t—not ‘grab the object and tale itaway...or a>- pear tobe frightened oft hg EA Go ing Pe Bt by Nancy Ear Bnd ner on wre anager, Ryo Caine Bear lie, Weston Cat Hoda Si, Cio discipline a eat, use basic tect niques apxoingpm PERSONAL 03 OMEN 62590032 for JAN 02. 9: imo al Bottom wine sxesiieeceeelTS (ee eer briefly squirtngra water gun ait. Do not delay the message—it you do not cor ctthe ca’sbehavior while itisengazed in the activi, it will become confused Never use physical punishment —it may harm the cat and wil certainly destroy its trust in you. "Wayne Hwee, DOA, pe bere, ons, ane Ci Keep eats from tracking litter by placing a mat made of grass or artificial turfin front ofthe litter box. The rough surface of the mat will remove pieces of litter from the cat's paws when it climbs out of the box: (Got Fone, rough, Mision Vn, Caria sash Meni S257 and armchair shopping* I Rhythm instrument set. Begin- ners can “band! together using a tam hourine stick...claves (percussion sticks)...wo sets of sand blocks...wrist bells...dwo sets of rythm sticks...tw0 triangles. ..soprano sounder...anel lange crow sounder Also includes 2 book of simple songs and exercises. cp Hoe Hox 45007, Cleveland 45- cach ino 7 en SHU 1 Craft set. Projects and supplies for knitting, crocheting, weaving, sewing and embroidery. Make colorful coasters, plastic beads and jewelry, 00, All items needed for the projects are included,

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