Show 4F Standard-Examin- Sunday May 27 1990 er BusinessConsumer Couple moving to Israel concerned about money My wife and I are senior citizens and are planning to move to Israel Should we have any concern about the following money matters: Having our Social Security checks sent to us and cashing Q there Having interest checks for bank certificates of deposit sent to us Cashing US Series EE Savings Bonds there as they mature or we need the income? — SG Chelmsford Mass None of these transactions should present a problem Israel is among those countries to which the Social Security Admin-- ‘ istration is permitted to send re- tirement checks and they readily can be cashed in any bank there Ditto for any bank checks for CD interest In order to cash in US A ’ Your Money Beatson Wallace Boston Globe Savings Bonds it will be necesby a sary to have them US “certifying agent” I’m told that the US Embassy in Tel ' Aviv has an officer so designated and the maturing bond then is sent to the Federal Reserve Bank of New York which will issue a check and forward to you The Tel Aviv branch of the American Express Co also is an authorized certifying agent As an alternative to the mail route for these transactions you might consider opening an account with the Boston branch of the Bank Hapoalim Then these proceeds could go directly to it and you could withdraw funds through its headquarters in Israel ed pt ' public On Line Rory J O'Connor Newspapers It will probably be months before a better-kesecret is made pt public: Windows 30 poses little threat to Apple Computer Inc despite much speculation to that effect and that Apple sued two years ago to keep Microsoft from significantly improving the original version of Windows Indeed it will be months be- fore Windows 30 — or Apple’s coming improvements to basic Macintosh software — will be a real factor for a significant number of users Windows 30 which works on IBM and personal computers is Microsoft’s answer to the look and feel of Apple Computer’s Macintosh S When added to Microsoft’s operating system Windows lets users control their computers with the “icons” and “windows” IBM-compatib- le MS-DO- later? — AW Marblehead Mass Most corporations for accounting reasons of necessity put a time limit on cashing dividend checks and the bank merely is honoring this order Your oversight though seems excusable Schering-Plough’- s When contacted shareholders services director said a new check could be issued to you Send the old check A to: Carole Bauer Schering-Ploug- h Corp One Giralda Farms Madi- son NJ 07940 Keep a photocopy of the uncashed check Q I took approximately $30000 in savings and bought shares in a capital appreciation mutual fund I was in my late 30s at the time and intended leaving this money without any further contributions until retirement with all dividends and capital appreciation reinvested Now I’m told that states in which this mutual fund is located may have laws that allow confiscation if the account is seen as “passive” ie no contributions or withdrawals within a certain number of years If this is so how am I protected if no further contributions are made? — GD Hudson Mass A If you get regular statements taxable income reand year-en- d at present address your ports no-lo- ad well-manag- ed secret officially revealed: Worst-ke-pt se- -' Last week the worst-kecret in computing was revealed That’s when Microsoft Corp the Redmond Wash software concern showed off its Windows 30 program to reporters and ana- lysts — and soon after to the The other day while going through some papers I found an uncashed 1976 check for $400 representing stock dividends from Schering-Ploug- h Corp of which I am still a shareholder Somehow this check got caught by a paper clip with some other correspondence and never was cashed I put it in for deposit two weeks ago and the bank has returned it stamped “stale date” Do I have any other recourse to recover the $400 some 14 years Q for Windows have changed their mind: The potential market simply looks great Even before that some specuS Systems called 'graphical r lated that Windows 30 would user Interfaces' - like Operating system hurt Apple by offering buyers a Microsoft’s Windows' requires complex! 'Computer Macintosh-lik- e working environfor IBM computers or typed commands a much on ment 100110010 for ’Finder' cheaper comthe Apple's Macintosh shield the puter system With Apple’s 10 coming Macintosh software upuser from much of the grade System 70 delayed until complexity of the the end of the year some Wincomputer’s operating dows boosters think Apple is system more vulnerable than ever But you only have to consider Windows 30 the issue of applications software New Microsoft system to see this is bunk lets user select commands Windows after all is really an by pointing to add-o- n — S symbols with mouse program for — Mouse but one that demands fundamentally different spreadsheets word Sources: Microsoft Corp International Data Corp e proprocessors and r graphic grams from the standard fare of and WordPerfect that folks that Macintosh owners have enfar as 1983 but Windows 30 been have using for years New for years joyed boasts markedly better perforwho choose Windows can buyers For DOS users it is the equiv— and mance than past versions simply buy the appropriate softalent of — or at least the closest design With that improved ware Current owners though facsimile to — IBM’s PresentaWindows 30 will be the first vernot only need to buy Windows tion Manager for the OS-- 2 opersion to have widespread appeal ating system (The latter two among users who have been 30 and add more memory to their computers but also jettison products were themselves develslow to accept Windows old applications for new 'their oped largely by Microsoft) And The expected appeal of Winit has one major advantage over dows 30 is seductive enough that ones Presentation Manager: It works it has made converts of even its How many people do you on much less expensive hardknow who are willing to throw most bitter foes Software compaware the kind many people alnies such as Lotus Development away a couple of thousand dolready own refused once to had lars worth of software just to reCorp that Windows actually goes back as write Macintosh-lik- e programs place it with flashier models? MS-DO- or reworry not Many similar tirement investments-ar- e It is not necessary to make any additional contributions Yes more and more states do have laws : specifying that any unclaimed property — including mutual-fun- d assets — must evenover to the state be turned tually if the rightful owner cannot be located The sensible theory behind this law is that the holder should not profit from unclaimed property and it also is an incentive for a bank or fund etc to track down rightful owners Q I saw an article some years ’ago about a company Eaglebrook Plastics Inc which was pioneering a plastic recycling process Did the company ever issue long-ter- ’ m Q My wife and I just opened a IRA When is the mutual-fun- d best time : of the year to make stock? — TW Attleboro Mass The Chicago company is private and still working on its recycling project A Probably as many as 1 do Even for new buyers there will still be fundamental differences between Macintoshes and s-equipped machines The differences in some cases are subtle and intangible — the “feel” part of “look and feel” — but they are there Windows certainly offers folks who want this kind of computer a choice but it won’t steamroll the Macintosh The real effect of Windows 30 will be to clear up confusion in market Peothe ple eager to abandon the outmoded DOS interface but unwilling Window- easy-to-u- se 361-219- le 1 data-bas- APStandard-Examine- 920-501- (408) 920-591-7) nmar BANKUTAH -- Jr iiiiiimli tlsrc OiiiWftfi Until!' 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