Salt Lake Tribune | 1995-09-10 | Page 70

The Salt Lake Tribune BUSINESS Sunday, S CRAIG CROSSMAN Digital Camera Makes You Forget Film Casio’s new digital marvel, the QV-10, is a palm-size camera that takes color photos withoutfilm. Its computer memorystores up to 96 snapshots that can be downloaded to a Macintosh or Windows-based PC. The QV-10 sports many stateof-the-art features, such as the use of “flash” memory, which retains information without power. Simply put, even if the four AA batteries run down, yourpictures will be preserved. As for the viewfinder,it doesn’t have one. Youdon’t have to peer through a tiny lens, because the baek of the cameradisplaysa color liquid-crystal display screen. Hold the camerain yourright hand, at about the samedistance as you would read a book, and press the ‘‘shutter’’ button (there's not actually a shutter, so it’s totally quiet) and you freeze the image momentarily, while it’s stored. You can easily review yourpictures. Sliding a switch from “record” te “play” lets you display one imageat a time onthe screen. Pressing the “plus” or “minus” butions jets you scroll to the next er previous picture. Pressing “mode”quarters the screen, to let you see four smaller images. Press again and you see ninetiny “thumbnail” pictures, so you can browse quickly to find the image you want. Additional buttons iet zoom, number the pictures protect them from accidenial sure or delete a snapshot. you and eraThe sereen gives instructions while displaying the photo you are about to remove. Other buttons iet you give a “slide show” of all the images in the camera. You can even set up how long each picture is displayed. If you find yourself drawing an audience, a video cable that’s standard with the QV-10 allows you to display the images directly on most television sets. Or you can record them directly toa VCR. Also included is a connecting cable and software for a Macintosh or PC, to unload and store photos you wish to keep on the harddisk drive. If you don’t own a computer, Casio's VG-100 video printer lets you make prints directly. The camera weighs about a poundandfits easily into a shirt pocket. Casio throws in an AC adapter, a nice carrying case and a lens-cleaning cloth. The QV-10 ($995) is available in camera stores. Casio Electronics, (800) 435(732 or [phone] a Q. A while ago, you wrote about Lotus SereenCam, whichlets you record all screen activity while you narrate via a sound card. ScreenCam works with a PC only. Is there anything like that for Macintosh? A. Strata recently introduced Instant Replay for the Macintosh, which creates QuickTime movies of all screen activity. It also lets you use the Mac’s built-in microphonefor narration. Instant Replay lets you capture any portion or the entire screen. As with SereenCam, you do not need the application you are capturing to watch the QuickTime playback. Instant Replayis ideal for creating a training video orasa really great wayto visually and aurally demonstrate what you are trying to accomplish. Instant Replay costs $149. Strata, [phone] Craig Crossmanis the host ofa weekly radio show, “Computer America,” heard nationwide. Send questions in care of Business Monday, 1 Herald Plaza, Miami, FL. 33132. Please include your phone number. Women Need to Build Financial Future & Continued from F-1 help womengetstarted: @ Define your goals: Make a list, McCarthy says, of your incomesources, financial needs and goals. i Educate yourself: “The more knowledge and information you have, the better a consumer you're going to be,” Cain says, “whetherit’s clothing or financial products.” The financial media-- including newspaperbusiness sections,television financial shows, The Wall Street Journal and Barron’s, Forbes, Fortune and Money magazines -- are one way. Another is investment seminars in the community, many of them free, on women’sfinancialissues. Remember that many of these talks are given by people who havespecific products to sell, advises Walter Woerheide,a professor of finance at RochesterInstitute of Technology. Women, Woerheide says, can use these seminars to screen potential financial advisers. He also suggests women attend courses or talks given by college faculty who are notattachedto a specific firm. @Stay alert: Keep an eye on your broker or financial adviser, and changeif you don't think he or she is doing a good job, Woerheide says. @ Be willing to take risks: “Womenare slightly morerisk-averse than men,’’ McCarthy says. “There is investment risk and thereis risk in being too conservative. With many women-- if not most women -- probably their greatest risk is being too conservative.” A financial adviser can help find the right balance betweenrisk and reward. Nocoon suggests women minimize investment risk through a variety of investments “rather than going brokesafely.” She he- 10, 1995 They're not willing to take the risks that men are. They're very smart aboutthe choices that they e” @ Maintain a financial identity: Women who are married should have their own credit-card accounts and credit records, says Priscilla Baker Jones, vice president and chief equity strategist at GeoVest Advisors Inc. in Perinton, N.Y. They also should have someassets in their own names. A married woman, Jones added, “should be involvedin paying the bills and budgeting and keeping a separate portfolio so she can maintain her own identity,” Baker Jones says. Women also can protect themselves financially by buying dis- CADILLAC, CREATING A HiGHER STANDARD Don’t fight the traffic on So. State Street... Come Downtown for E Freeway Access and Plenty of Parking! CarlaonCadlllac 1070 SO. MAIN STREET, SALT LAKE CITY 521-4444 Information on Taking Financial Control GANNETT NEWS SERVICE Where to learn more about taking controlof financial matters: & Our Money, Our Selves: Money Management for Each Stage of a Woman's Life by Ginita Wall and the editors of Consumer Reports Books.(The book also contains a recommended reading list of about 35 titles.) ® Financial Planning: Especially for Women by Grace Weinstein (American Council of Life insurance). For a copy of the free, 21-page booklet, call the National Association of Life Underwriters at [phone]. & On Your Own: A Widow's Passage te Emotional and Fi- nancial Weil-Being by Alexandra Armstrong and Mary Donahue (Dearborn Financial ability and life insurance when they are young, says Michael A. Masiello, vice president of Wali Street Financial Group in Pitts- Publishing). @ Women and Money. The Independent Woman's Guide to Financial Security for Life Frances Leonard. $12.95, Addison-Wesley Publishing Co. @ Head and Heart, A Woman’s Guide to Financial Independence Susan Weidman Schneider and Arthur B. Drache, Trilogy Books. &@ Women & Investing and Finding the Financial Advisor Who's Right for You are available free by calling 1-800- 892-4442. & For information and referrals concerning financial planning and financial planners, call the Institute of Certified Financial Planners, (800) 2827526; International Association for Financial Planning, [phone]; or the Ameriean Society of CLU & ChFC, [phone]. ford. And, a married woman should have her own estate plans coordinated with those of her husband. arn more at Cyprus. Fiean iaeee 36 month CD 24 month CD 12 month CD 7.08% APY* 6.66% APY* 6.25% APY* *Annuai PercentageYield, Limited Time Offer lieves a portfolio should contain some investments in small companies, consideredriskier than larger ones, which have high growth INVENTORY REDUCTION SALE All 1995's Have Gotta Go!!! b potential. Gail Ann DeLuca, an account executive at Advest Inc. in Rochester, N.Y., thinks conservatism may be an advantage because women think as long-term investors and are less likely to be influencedby fads. “They're not short-term, in-and out-of-the-market ind of people. They're looking long term for their children. ... They’re looking to have somekindof nest egg somewhere down the line. * 36 month certiicate of deposit based on 6.90%Annual Percentage Rate, 24 month CD based (on 6.50% APR, 12 month CD based on6.10% APR. Minimum $1,000 deposi i, naw deposits oniy, penalties (or early withdrawal apply, Rates as of 9/7/95, subject to cnange at any time. 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