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Show G Business Sunday, March 24, 1991 The Daily Herald, Provo, Utah Maximizing your IRA r i . . - , Providing for a secure retirement is c priority for all investors. As the need to supplement Social Security and pension benefits increases, the advantages of maintaining an Indivual Retirement Account (IRA) are more apparent. In addition to securing your financial future, an IRA offers a major tax advantage compounding. Annual contri-buatioto your IRA (and any earnings on them) are not subject to federal income tax until As a result, you accumulate more money for your retirement than you would with a taxable investment. Once you open an IRA, how do you ensure that your contributions will attain the highest yields possible to meet your financial goals? The key is to maximize your rate of return within your specific risk , with-drow- n. parameters. How much risk is right? The level of risk you are able to assume helps determine how you should structure your portfolio, what investment approach you Investing should take, and how assets are apportioned. Most individuals are classified as either conservative, aggresive or moderate. Conservative investors seek to minimize volatility, maximize safety of principal and generate current income. They are willing to accept a lower total rate of return (yield plus capital appreciation) in exchange for increased safety. They may prefer to invest in cere tain securities that promote safety of principal and a guaranteed rate of return. Aggressive investors, on the other hand, seek the greatest possible return on their investments. They incur a greater degree of risk to increase their income, and they understand that the value of their investments will fluctuate according to a variety of market influ fixed-incom- assets ences. Aggressive investors may want to allocate more of their IRA assets to stocks or equity mutual funds. Moderate investors occupy the middle of the spectrum. They seek as high a return on their investments as possible without taking excessive or unnecessary risk. If you have several IRAs at different financial institutions, consider consolidating them at one location. By combining all of your IRA assets under one umbrella, you can more easily choose an investment portfolio to meet your retirement objectives and monitor the performance of your assets. You can also eliminate the added expense of several annual custodial fees and extra paperwork. The way you manage your IRA assets will have a lasting impact on your plans for retirement. Think in terms of an overall balanced one that can meet the portfolio financial needs of today and tomorrow. Editor's note: For a free copy of "Managing your IliA," contact Jef-fer- y W. Xovak at 377-270- Publishing company offers free magazines WordPerfect Publishing (Orem) is offering to all elementary, ondary, and higher education tutions in Utah County free back issues of WordPerfect Magazine. Since the magazine began 27 issues ago, the Orem warehouse has accumulated thousands of back issues that can no longer be stored. Quantities vary with each back AP Lascrphoto New image Project manager Christine Gerald uses a computer imaging scanner, right, to input a document displayed on a monitor at Chemi- - cal Bank's Worldwide Consumer Banking Group. Image processing may be the next stage in the computer revolution. Year-En- d Gulf job possibilities are few Rocky Mountain region workers interested in future job possibilities in the Persian Gulf should contact their local job service or employment service office, the U.S. Department of Labor has announced. Although very few job vacancies exist at this time, the network of offices which make up the U.S. Employment Service in the states of Colorado, Montana, North Dakota, South Dakota, Utah and Wyoming are prepared to accept applications from workers interested in positions in the Persian Gulf, said Luis Sepulveda, regional administrator for Employment and Train-nin- g in Denver. The Labor Department also is secinsti- issue from few to many. These back issues are available for educational use, whether one or two are needed for reference, or three dozen for an entire classroom. WordPerfect Magazine focuses on improving word process- ing skills Job vacancies listed with state employment services will be included in the Interstate Job Bank, a nationwide listing of job openings distributed throughout the employment services and shared with using WordPerfect software. The magazines must be picked Lap-To- & p We need to clear out these Lap-To- selected libraries and college Employers or workers wishing to register with the employment services will be assigned a special code designating their interest in the Persian Gulf. If job openings become available, the employment Also OFF 20 ALTECH COMPUTER de- SYSTEMS 51 West Ko-pil- By LARRY BLASKO Associated Press Writer Lotus is the spreadsheet of choice for keeping your financial fantasies numerically and logically consistent. But learning to unleash its power is more than a chore or at least it was before for Lotus Ko-Pil- ot Ko-Pil- ot Ko-Pil- ot Ko-Pil- ot task-orient- Those of you who still haven't selected a 1990 federal tax software package can find some guidance in the Feb. 26 and March 12 issues of PC Magazine. In its After Hours section, the magazine looks at eight packages, four in each issue. The February article covers Andrew Tobias' Tax Cut. Turbo-TaSylvia Porter's RapidTax directors should consider. The program is also exceptionally handy for those of us who use Ixtus-l-2-- 3 just often enough what we learned the last time. Ko-Pil- The nod from the PC Magazine reviewers goes to TurboTax by ChipSoft and Andrew Tobias' Tax Cut from Mecca Software. But maybe one of the others is better for your budget or your taste. For the record, some of the same programs have been reviewed here, and TurboTax will generate CompuBug's tax forms for the second year in a row. Whether you plan to file with a tax program or not, take the time to read the sidebar in the March 12 issue on RALs (Refund Anticipation Loans) and think twice before signing up for a loan against your tax refund. When you work out some of the interest rates, they exceed 200 percent annually. any IBM PC or compatible sporting a hard drive, DOS version 2.1 or later and 640,000 characters of memory. And, of course, you need a copy of Lotus by Lotus Development Corporation. supports Lotus version 2.2 now and expects to ship software for Lotus version 3.1 soon. The suggested retail for is $89.95, which is on the high side but worth it. It's available at some software dealers, including Egghead Discount Software. Or contact Insight Resource, Inc., 175 Prospect Ave., Tarrytown, N.Y. 10591. Telephone step-by-ste- to forget CompuBug is an Associated Press feature on computers that runs in The Daily Herald on Sundays in the business section. x, for l)tus ..OmMOJO parer. Resource of Tarrytown, N.Y., will guide you through the cells of Lotus p in a method that will give you as little or as much help as you need. for Lotus takes the same approach as the earlier for WordPerfect, offerand ing menu-drive- n advice that makes you wonder why more software companies don't skip printed how-t- o manuals. The program's LearnKwik feature can teach you Lotus keystrokes while you're actually producing useful work, something training Orem -- 2-3 and Swiftax. In March, the spotJ.K. Lasser's light is on Your Income Tax, MacinTax for Windows and Personal Tax Pre- CompuBug by Insight corporate 1 Center AM-Ta- Ko-Pil- ot t, Street helps with Lotus ot GepIag SOFTWARE usually under the employment service, job service, or state partment of labor. top-quali- ty and Portable Computers. p Some At Cost or Below! Sepulveda also suggested that workers thoroughly explore any advertised opportunities to insure that the company can provide the service it is advertising. Beware of companies that solicit money in advance, Sepulveda cautioned. Employment service offices are listed in the telephone directory under the state govenment listings, placement offices. Portable Computer CLEARANCE services will help match employers and employees. While visiting the employment services, workers are encouraged to ask about employment opportunities which may be available in this country. encouraging employers seeking to job vacancies for the Gulf region to list those jobs for nationwide recruitment with their state employment services. fill up in person before March 29, and no magazines can be mailed. WordPerfect Publishing is located at 270 West Center Street in Orem, just west of the Orem Post Office behind Holiday Oil. Magazines may be picked up on a first come, first served basis on Monday through Friday from 8 a.m. to 6 p.m. Ask for Mark Willis or Kim Severn. runs on NO The convenience and SET-U-P the tax advantages FEE HOME of a credit line linked EQUITY LINE. to the equity in your home. West One Bank gives you the ongoing availability of funds, whenever you need some extra money. And unlike most consumer loans, the interest may he fullv tax deductible The $ procedure is easy and set-u- p costs you nothing. So by order of S.B.A. (U.S. Government Agency) PUBLIC REAL ESTATE AUCTION there are many reasons THURSDAY, APRIL 4TH ON SITE FOUR CHOICE COMMERCIAL PROPERTIES n rrOPeriy utah ve Payson Utah U AI 1551 Westoffice - If story 1 0 am on bulding. 1 pm on site Service Station with Convenience Store High Traffic Area. Excellent Location. Property 2 699 West 1200 &o, Orem, Utah Property 3 1021 No. University Ave., Provo, Utah nM.MMM.. rrOpGriy 3 pm on home for all its worth. site 5 Commerical Office Condos. Tuesday April 9th UA 13 So. Main, Parowan, Utah 4 you should be using your site - 1 pm on site This no-char- offer is limited, so call or visit any West ge Commercial Building Sale Conducted By: OLSON AUCTION GALLERIES UT 84107 WESTQRIE One Bank today for the details. BANK 4303 So. Main, S.L.C., AUCTIONEERS: Thomas A. Olson, Robert A. Olson, C.A.I. Auction conducted under the supervision of Performance Dynamics, Inc Richard D. Lloyd, Broker For free color brochure call: 801-261-42- 58 fgf gjgi 1!i V. V!i; tini.T '.n " ' im'cl I", h .ii n t mi 1KV. ivilr ni,t t veil 1". I ,m lull no' 'V m! lrnil'i H)i: |