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Show r ysiness News Citizen, Free Press, Review Wed., Oct. 30, 1996 - Page 9 "jQ unitjttebf fresh approach in Family practitioner joins staff at AF Hospital, Clinic The governing board at American Fork Hospital is pleased to announce the appointment of Timo J. Hoggard, M.D., to its medical staff D r Hoggard spein cializes family mediand cine recently joined the American Fork Clinic. in Long Beach, Calif. Dr. Hoggard recently completed a residency at FHP of Utah in Family Medicine. Heerved as res- r D in Washington University Washington, DC, graduating in 1990, after which he completed a health professional scholarship program through the U.S. Navy. This program led Dr. Hoggard to a one year internship in 1990 at Portsmouth Naval Hospital, Portsmouth, Virg, followed by a Medical position as General Officer for the Navy for three years Hoggard's will ident representative. With his wife, Becky, and their three children, Anneli, 6; Michael, 4; and Collin, seven months, Dr. Hoggard is hiking throughout Utah. He also enjoys gardening and woodworking. Dr. Hoggard welcomes new 0 for an patients. Call appointment. practice offer the full Timo Hoggard of services family medicine, including obstetrics and pediatrics. Ten years of academic training began with a bachelor of sciences degree in engineering from the University of Utah, graduating in 1986. Dr. Hoggard then attended school at medical George exclusive residential communities. VST -- - 'A ' ' U - 1 $ r" J nnf A r P m i.miiii 763-746- Look for our model opening this month! 1 100 North 1 190 East American Fork (one block north ofMt. Timpanogos Temple) Chipman Village An Adult Planned Unit Development has lived in Chicago, Dallas and American Fork prior to relocating in Highland in 1984. They have eight children and three grandchildren. Justin, a graduate of American Fork High School, is married and has one child. Prior to joining his father, he worked in sales for a furniture company. Office hours for the agency are from 8:30 a.m. until 6 p.m. Monday through Friday an a.m. until 1 p.m. on Saturday; additional appointments can be set up at other times as well. For more information, call Allstate is the largest stock insurance company in the United States, offering a full line of products for life, auto, home and business, with a strong commitment to customer satisfaction. 24-ho- k'i ! tion. "It's been really exciting to build 3 376-129- 763-385- Named as a "premier agency," the new office is able to offer service for their clients about services which range from insurance and indemnity programs for automobiles, home and businesses, to safety and consumer informa- K 376-946- li if mi Highland family opens Allstate office in Alpine Alpine. P We welcome your inquiries: 6 Steve Crowley Marketing Dan Richards Contractor IDeveloper 6 J Carol Williams Financing Howard Passey, seated, with his son, Justin, and his wife Laurelee, have opened a premier Allstate agency office in Alpine to serve customers and their insurance needs. A lifetime of experience has led a Highland family to start a new business to help area residents meet their insurance needs. Howard Passey, along with his wife, Laurelee, and their son, Justin, have opened an Allstate office at 119 E. 200 North in A Acres of shared private parks & open landscape with 6 1 custom homesites and 32 luxurious rwinhomes on 55 acres. 15 A Single level living area Central air Stone & stucco exterior Much, much more! Protective covenants 2 Bedrooms Exterior Maintenance Contract Custom Cabinets 330 K Main Street American Fork 6 AD.C Corp. Crowley Call Steve "Setting the 376-946- Standard' Don't Take A Chance On Your Mortgage! Come & See 763-137- 1. a business together," said Laurelee. "I can think of no better place to be than with my husband." Howard received bachelor's and master's degrees from Brigham Young University and the family Purchases Refinances (Great Program!) 2nd Homes Investment Perfect Credit Not Necessary - Self-employ- u. Ask for Carol to receive $250 OFF your closing costs! Breaking new ground... Officials broke ground Wednesday, Oct. 23 for a 210,000 square foot Dillard's Department Store. Pictured are, L to R: Dick Adair, Sandy Area Chamber of Commerce ambassador; Tom Dolan, Mayor of Sandy; Don Pott, general manager of South Towne Mall; Byron Jorgenson, chief administrative officer, Sandy City; and Glenn Cobb, executive director, Sandy Area Chamber of Commerce. Dillard's, to be located on the west side of the mall, will be joined to South Towne by an additional 25,000 square feet of small shop space also now under construction.' The grand opening for the new wing and the Dillard's store is scheduled to take place in the fall of 1997. i I I 1 I ! i -- xl1 i Hi I l it I I 1 1 I 1 Announcing... UtahVallev State College and Total Financial Planning, Inc. Present a Seminar Workshop: 3R. "UNDERSTANDING MUTUAL FUNDS" Jeffrey c. ingcrsoll. 'ut,r' ric cin L,a .rv, rfc President, Total Financial Planning, inc. 1: Introduction to Mutual Fund Investing What is a mutual hind? The history and evolution of mutual fund investing. The "universe" of mutual funds: objective types, sectors, income, value, growth, etc and capital gains. Income taxes: i 4 Session - i 1 e Charges and Expenses: A. B. C Shares. 1 2b-- 1 , no loads, low loads, front loads, etc. Using mutual funds for IRAs and other Retirement Plans. Reading the prospectus. Reading the mutual fund section of the newspaper. Closed end, Open end, Unit Investment Trusts (UlTs), Variable programs. Qualitative information sources about mutual funds, performance, charges, etc. ; j Session II: How to Build Your "Ideal" Mutual Fund Portfolio Optimal Portfolio Strategies. Identify your "risk" toletance: Beta and Standard Deviation Theory. The Efficient Frontier and the "J" Cutve. Asset Allocation and Portfolio Rebalancing. Sector Analysis and Investing. Role of foreign securities and precious metals in your portfolio. y.'! . , mm&&fte. .. ' ,"' j. y "' . v "' i" ; ' . " " v ' - Ws ' t t . 1 " - ; . a ; I '' Who Should Attend? Anyone who wants to learn how to improve investment performance! risk and volatility! Anyone who wants to learn how to reduce portfolio Anyone who wants more income! inflation and Anyone who wants to increase purchasing power by offsetting reducing income taxes! 1 rollover from a Anyonevho has an IRA, a company 40 (k) plan, a distribution or and wants to diversify hisher company retirement pian, a CD renewing, etc.. t V.. ' "V . H rrl!f,-- portfolio. for child or grandchild, etc. Anyone saving for a specific objective: retirement, college is who or, trust a currently a Trustee of a Anyone who is contemplating family trust. family REGISTRATION CALL 763-146- The Gold Account. The one choice you'll never second guess. 9 Utah Valley State College (North Campus) 947 North 900 East, American Fork (Utah State Developmental Centetl Seminar Workshop Fee: $39 1 (Includes Workshop Seminar Sessions and It, and allocation asset risk tolerance analysis.) handouts, SESSION ! SESSION II 12 Thursday November 14 Tuesday November Class I: Class II: 2:00-3:3- 0 PM 2:00-3:3- 0 PM 7:30-9:0- 0 PM 7:30-9:0- 0 PM The Seminar Wiluli,ip: foilrr"""l'"t Miunal fundi k ci.iiiliimd of lw.i Solium. Tuoday and Tlmrvlay. tad. Simon Call ill. npMralkm oll.ee lot more information. consul of. morning and ahemoon Clau for ihc cnnvcni.net ..I aiKndin. Securities offered through C JL RoyalAlIiance a SuaAnKricCooy. SX Member NASDSIPC Never. Not ever. And we do understand what a very long time that is. But when you have a collection ol hanging services as extensive and attractive as they are in the Gold Account, you tend to make those kinds ol statements. ions Bank thinks it's time you were rewarded simply lor being a customer. So what follows is .t summary ol better on Besides Gold been rates we've about: receive a that complete line ol services Checking Account, you'll talking loans, special Gold CI) rates, and higher rates with a Gold Savings Account. (Need a second to catch your breath?) here s also free I'C Banker, Telephone Bill Pay. Tree checks (standard, wallet style), free travelers checks, free money orders and official checks, free accidental death insurance, a live salety deposit box, and a bankcard with no annual lee. hk h, unlike deciding to taunt a big So bv signing tip lor a Gold Account, you get all the banking services you need. st lu he correct ly-l chose leave smcllv bear, should lime, lo liml out about opening y our own you leeling pretty conlulent you Gold Account, visit the ions Bank ollice nearest you. I ZIONS BANK At . mi I. . i I It t |