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Show F4 Tribune BUSINESS Suni 1993’s World Sensations In Investment Game Automatic Deductions Oifer Best Savings Plan Emerging-country equity markets » Developed-country equity markets Singed Investors in ’94 Equity performance O'Neill offered a number of warning signs” of debt trouble Equity performance Country in U.S. dollars* try in U.S. dollars* and offered several steps that ESRCyt a es- after a yercisae attitudes tolieves he knows the one» reliable way for most folks to accumulate families could take to get out of debt and to boost savings @ Whenyoustart to use cards to buyitemsthat y to buy with cash. M@Juggling the rent or mortgage payment to meet otherpay- ments @ Being chronically overdrawn s r at the bank, or regularly using the overdraft protection on your checking nt questioned scores of people in focus groups, polled 1.100 working Americans. Among O'Neill’s suggestions about debt andsavings: WOnce you've made a goal such as accumulating a certain and interviewed 450 leaders in government, business. academia and the media about saving andretirement planning. Theonly ones who areableto save,” Farkas said, sum in savings or reducing or eliminating credit-card debt. use graph paper to chart the progress towardyour goal @ Reduce expenses. Farkas found that most peopleinitially say they cannot reduce expenses “are people who have signed on to an auto: matic-deduction plan. where the money is taken from their pay- check” to a bank account. Savings Bond or mutual fund Even for that minority to save more. But when he probed he found that two-thirds of all individuals conceded that there wereways to cut back. of peoplewith astrong saver’s ethic, forced savings” through payroll deduction was the method that producedresults, he found @ Payoff more than the minimumamount required on credit cards. The average annual inter- They find that their budget Scandinavian stock m; Ss were top performersin “94 s why diversification lons of the world is esfor long-term investors The key i aidiversiic on in inter1 equities is finding stock s that are out of syne with f rev al investors sufcan peso Spain also showlittle correlation with the U.S. stock market Correlations — or lack thereof — are not set in stone. Japan’s speculative bubble that swelled A lot of people are pretty good at living on the edge,” she said Maybe theycanget byfor a long while. They borrowfrom Master- stocks lated with the U.S. market. But By Stephen Advokat In short like 1994 ing stock-market inves! Rising interest rates couldcreate a stampede out of stocks. said economist Bill Wilson. “For stocks. 1 couldbedisastrous. So what should investors do? Someof the best advice may year fixedes rise ore than 2 points last year and fearthat the climb isn’t over y has been trying sell their Highland ywnship. Mich., mobile home since Novem yer while they look home in the $1 50,000 come from Diane Amendt of Dearborn, Mich, Amendt and about a dozen friends belong to the Marketiers Investment Club, a grass-roots group that researches stock hunchesand invests regardless of market conditions it seems that every oth pipe ; That could spell bad news for watched 30 The couple Sel td Brown a Chrysler Corp. fitter, and Donna Brown The Marketiers are one of hun whoowns a housecleaning dreds of investment clubs that believe stocks are the best placeto ny. readthat interest rate: inguP.makingtheirfirst-time make money and should only be I : Its Brown. rehase more expensive. a aid cateh-22 bought by Ed people willing to hold them for five years or more “Do I rush out and buy If the market takes a nosedive something before interest rates climb too much higher? Or do I sit back and find the houseI really like and live with the increased becausewe could get moreshares for our money.” Amendt said that would be welcome news to us payments? want to heedthe following Other, Welcometo 1995, wherelife is moreexpensive andinvestments may remain on life support. That's the consensus among economists. bankers lestate executives. financial planners and Listening. And © about 70 percent in stocks and 30 percent in bonds, You'll be reduc. ing therisk of stocks alone by di- versifying into bonds. If you're investing for five re — money than years or more, Nevertheless stay with stocks. Historically, stocks have provided the highest returns Just rememberto buy various buy fewer things. corporations? ct your IRA, 401(k). types of stocks: 50 percent ofyour money in blue-chip stocks or college funds savings and other inter nerating investments to doa ittle better than last year But frankly, that’s not saving stock mutual funds, 30 percent in growth stocks and 20 percent in aninternational mutual fund VALCOM PRESENTS THE AFFORDABLE Muut wa NEC The Versa S Series strikes the perfect balance between performance and portability. Cleverly designed within a truly small, lightweight package are important creature comforts such as its full-size, easy to read 9.5" display or large 80-key keyboard. erformance features include i486 power, PCMCIA slots and generous hard drive capacities. © Versa S/33L tre $2,278 © Versa S/33M @ Versa S/50C 50 MHz, 260 MB, 82,477 350 MB $2,675 4 MB DSTN Color Authorized Sales and Service. HewicttPackard, IBM, pec cemaeet Moretase Toshiba & VaLCom. 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You can have the moneyautomaticall; Milf you're investing for the very short term — a yearor so — Expect everythir from homes andcars to clothes and groceries to cost more. B for the interbut not much me less hearty track UL much Donna well closely with U.S. stocks econ: Picuure for °95, Like °94, Just Costs More JETROIT — Ed an worry that time is might such @ Avoid using credit cardsuntil you've paidoff all balances. @ When you've paidoff a loan — whethera car loan, credit card Americans are adept at post- poning and disguising financial troubles, O'Neill found That is wonderfully profit- able for card companies, whichis especially those who get into debt trouble market has oe little corre- Japanese asset prices a few years ago. But going forward, Japa cent. why they require monthly payments tudes andpractices of Americans, lation with the U.S. market in recent years, in oa becauseof the kets est rate on credit cards is 18 per- Like Farkas. 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