Salt Lake Tribune | 1996-01-08 | Page 10

B2 The Salt Lake Tribune TIME,MONEY &COMPUTERSMonday,January8,1996 Happy Days for Consumers, If Not Savers paytheir customers.’ By Susan Hs HE DET! Goodman said. andreal-estate investment trusts, which invest The movetoward lower rates will follow a shift that began in 1995. Last year. long-termrates. including mort- It's timeto greet the new year with a good buy A good buy onacar. A good buy on a home gagerates, dropped A good buy on a sweater. full percentagepoints. interest rates. consumers could luck out in 1996. They luck out, that is, if they are con- suming — not saving rates: Japanese investors grabbed up U.S Treasury securities. Their demand for Trea- If you are saving money, youarein tough shape.” said Sung WonSohn, senior vice pres: suries helped hold down rates. Consumer loans, though, hardly budged in centers, some hotels, some mini-storage units, some apartments. Names include Winston Hotels, which oper- 95 ident and chief economist for Norwest Corp. in Minneapolis Short-term rates didn’t move much in ‘95 because the Fed didn’t move much. The Federal Reserve lowered rates only twice, once in July and once in December. Each time, shortterm rates were cut by a quarter of a percent- Lookfor: @Car-loan ratesto fall by 1.5 to 2 percentage points by June, says David Littmann, se nior economist for Comerica Bank. That would bring car-loan rates at banks down to about 8.5 percent. @ Mortgage rates to drop half a percentage ates Hampton Inn and Comfort Inn hotels in the Southeast, and Bank of America Realty. which operates apartments in California. Yields can bein the 6 percent to 7 percent range. A REIT, to be certain, carries more risk than a CD. Investorshave “got to realizeit’s an equity investment,” said W. Howard Morris, president of Wilmoco Capital Management in Detroit, which manages $40 million in assets for individual andinstitutional investors. Forbuyers, the strategyis fairly easy. Look out for deals. ‘There'll bea proliferation of rebates, special incentive offers, financing deals’ on new cars, leased cars and used cars, Littmann said And, if the economists are right, there will be plenty of lower interest rates to perk up buyersof other goods, as well. age point This year, short-term rates could fall further because the economyis growing increas- ingly sluggish and the Fed mayhave nochoice but to lowerrates, economists said. The next point, taking the 30-year rate closeto 6.5 per- cent @ And, for savers, rates on certificates of movecould beas early as Jan. 31 deposit could drop between 0.75 percentage The Fed will ease once or twice more,” predicted David Blitzer, chief economist for A six- month CD could soonbecarrying arate of less Standard & Poor's in New York For savers, thebest strategy maybeto avoid than 4 percent You cansee short-termrates — CD rates money-market accounts or short-term T-bills and CDs, if you won't needthat moneyquick- (bill rates — dropping rather sharply in j.” er alternatives” for investors who need income, said R. Estelle Wade,certified financial plannerat the Center for Financial Planning Inc. in Southfield, Mich. Wade and otherfinancial plannersnote the real-estate investment trusts (REITs) are generating stronger returns. Some own shopping as the economy weakened and expectations for high inflation disappeared. Another factor pushing down long-term Thanks to a sluggish economy and falling points and a full percentage point. in property or mortgages. ‘Sometimes people think they're solely dependent on CD and bond rates. Thereare oth- said Robert Goodman, senior economic ly. Other income-generating possibilities: In- termediate-term bonds that mature in 10 rt Putnam Investments in Boston. will reducethe interest rates they years orless, utility stocks, preferred stock TRATEGIE WE a How to When your doctor | When you're not insists on a treatment sure your doctor is best for the job you don’t want Makesure your doctor Find out as much as you can t the condition and is board certified: you it Organizations, such can find out bycalling American Cancer jety. that offer free booklets the American Board of Medical Specialties (800-776-CERT). are listed in the Yellow Pages The National Ith Informat Center (B0( 1797) can also refer you to Askyour doctor how manytimes he or she has g performed the procedure Makea list of specific questions to ask the doctor Make an appointmentto meet him or her inthe office, not the exam room. in the past year. care from doctorsis to be assertive. largelocal hospital which sometips for whoare doctors, ask them getting good to discuss your concerns. Also ask why Askthe headnurse at a doctor he or she would choose for the treatment If you have anyfriends Here are the recommendedtreatment for recommendations. handling two ‘ond opinion u A key to difficult situations: Magarine ARR = | | THEY NEED YOUR HELP alert while driving Knight-Ridder Friendly Visitor: Veterans Hospital needs isitors andvolunteers Drivers: Transport clients to cancer treat ment: Anima Trainers and Handlers: Train ani pair-a chimney at Children’s Haatioe Center HEATVolunteers:fil] out forms and assist in Midvale office HomeCare: Visit home-boundill patients Museum Docent: Educate children about a fascinating natural world Fifty hours. per year Friendly Visitor: Disabled person needs a visitor Food Preparation: Decorate prepare and deliver food boxes to families in transitional living Performers: Entertain confined and in nursing homes Assist Seniors: Ride bus Wednesdays oon to 3pm. to with gro: There are peoplein the commu- nity who need your help. They may be contacted by calling the Volunteer Center, Community Services Council, 978-2 Literacy Assistants: Monito and supervise tutoring room tional facility Long je temporary shelter Youth Center: Assist withactivities. enter tainment and crafts Party Planner: Planandassist with a party for veterans Literacy Volunteers: Help adults learn to speak English and others improve their read ing skills Two hours per w Clerical: File. type. answer phones andfax at a facility for Alzheimer’s patients Visitors: Volunteers neede to walk andvisit withfrail elderly people Carpenter/Handyman:Install metal safe railing for window well Mentor: Assist recently widowed persons ne-on-one Aeroocent( ee ural dren about art. Public speak Chess Players: Volunteer onc nursing home Construction: Craftspersor needed te buildandrepair Office Manager:Coordinate volunteers and general office work Welder: Make repairs yn camper for hand| capped family Supporter: Support Jur 2 team of at risk youth Domestic Violence Assistance: Provide informationandassistance to victims Utility Assistance: Help interview ic ist low-income people four hours per we k Comaanity Health: Assist in a health cl for seniors ance a week Chimney Repair: Volun rs neede to re GANNETT NEWS SERVICE Asusual, the 1996 calendars do not lack variety. Youcan find eyerything from “WhyCats Paint” to the “X-Files” toa “Make-YourOwn" calendarfor kids to color Here are someof the hottestselling 1996 calendars: M@The Far e: Cartoonist Gary Larson's de: lendar adds comicrelief to each day. @Ansel Adams: The master photographer's serene land‘apes make this wall calendar not only functional but beautiful @ Sports Illustrated Swim Suit: Tanned, sexy models wearing the latest beachfashions. Dilbert: More office humor fromthe funniest computer wonk in the comics. Friends: Scenes and_ stars fromthe popular NBCsitcom @ Barbie:Little girls will enjoy this wall calendar. 5 Cats: Oneof the 10 bestselling calendarslast year Next week: Staying mice Colorful Calendars Will Make Your Day ma emotionally and physically harti appedadul ‘and children, and low-income People with lax preparation, Needed in Salt Lake City, Tooele and Park City Clinie: Check clients in for Healthy Life: tyle clini Office Work: General office work. some may be done from your home Peer Court/School Liaison: Coordinate telephone reports between schools and Peer Court activities Grant Writer: Help write and apply for grants Account Manager: Work with campaig Planning. evaluationandrecognitionfor inter: national agenc Take Minutes: Utah Food Bank needs a olunteer to take minutes Advisory Board meetings once a month Male Companion:Visit. sucialize anddis uss current events with a F-old woman Telephones: Centennial Commission Volunteers to answer phones. Flexible hou four-hour shifts on weekdays. Training pro: vided Activity Volunteers: Elementary school needs volunteers to cover recess from 11:30 am, to noon Tutors: Tutor elementary school children VITA Volunteers: Help with incometax as sistance, Training provided Performers: Musicians, singers and story @ Disney: This perenially popular calendar contains scenes from the world of Disney, available in wall or desk types tellers to visit at nursing homesand hospitals Television Production: Assist with pro: duction of a gang-basedtelevision program andanswer phones. Health Care: Volunteers needed to assist in HIV/AIDS clinic four hours per week. Train: ing provided, two-year commitment neces Flatware. pots andpans, Clothing:For two teenagegirls, 12 and 16 Food Donations:Also clothing and house hold items Furniture: F ns coming out of treatment : With soap. toothbrush, ete : New clothing Calculators: Neededfor ¢ Metal Fabric $ Camping Gear: Backpacks, blankets and sleeping bags Baby Items: (ribs especially Washing Machine: Automatic, in working condition. Van: Needeto assist inmates in getting to jobs. Lift Chair:For elderly client Tumbling Mats: New or used eeded for elderly shut-in. nd children’s danceclothes 17. sabled woman. Vehicles: Delivery trucks desperately need: ed. Seven Steps to Finding More Tine «<= for Yourself Every Day @ Understandthe value of yourtime and the importanceof balance EEE “Parents who drive a child to three activities a in your life e@ Decide what you want week, like soccer practice, basketball and piano outoflife and goforit © Prioritize and planregularly lessons, can run into real problems when they multiply the activities by a © Organizeprojects and manage your schedule effectively number of children. Ask yourself, is all that 8 Work on overcoming everday obstacles necessary? Everyone has the same 24 hours every day. A momentspentis gone forever. If you keep @ Simplify and streamline your life by getting organized that in mind, you can @ Lookfor ways to make each moment savetimein bits and pieces count. 2 STEPHANIE CULP Time-management expert Ste alt Lake Tribune Time Is Money So Let Organization Expert Help You Save Both Ask yourself, is all that neces. ary? Everyone has the same 24 By Judy Magid THE SALT LAKE TRIBUNE vantaged might suspect, Web: Microsoft, Utah Let's hope they keepit up ing both). Somefriends and I recently tried oneof the veganselections. Mediterranean Vegetable Pizza kak Veggies Unite! native to the traditional cheese-, sauce- and fat-laden variety. I'd you have on hand. With so many recipes, you're bound to find make it again But Veggies Unite! is more than something suitable. just a cookbook. With a user name and password(and I’mstill out Veggies Unite! And Veggie Sites was asurprisingly flavorful alter- http://www. honors. indiana. du/(tilde veggie reci pes. cgi @ Continued from B-1 chives on line would no doubt bea long and expensive task. But it would at least be worthwhile to make available the records of Yvette Norem and the honors department of Indiana University widest interest have done vegetarians and others interested in healthy eating a great service in compiling this So far the available records are limited to histories of certain searchable commissions and courts Histories”) The Utah State Archives staff are to be commendedfor making astart on unleashing the potential bias YOU. LIKE TO EARN Join our network of professionalfund. ing agents and begin eaming an ad. ded incomealmost immediately J you'll need to be, a resources the tiwill c you directly, your your client prospects [phone] mrt ulmate 9 cpo reel Placement Ass [phone] ae attractive and cookbook of Also includedare adiscussion board, links to vegetarianism- and animal-rights-related sites, a cal- meal aroundtheingredients that Veggie or not, be sure to check RichardStreeby is co-editor of Utah OnLine (http:/Aoww.sltrib- com), the electronic editions of The Salt Lake Tribune Hewelcomes e-mail at [e-mail]. 2.000 vegetarianrecipes recipes are divided into “Agency gories: vegan(cont no animal products), ovo (conta ing eggs), lacto (containing dairy products) and ovo-lacto (contain- TOS CC CC CCC CCT TCC KAALAARAAAAAAAAALLA county (under the hyperlink well-organized, not sure how yougo about getting one), you can usethesite's weekly meal planner and shopping list endar of like-themed events and a measurement-conversiontable. The searchability of the recipe database allows you to plan a WINDSHIELDI* HATS RIGHT...FORA UMITED TIME GLASS ACT WILL WAIVE UP TO $100 OF YOUR INSURANCE DEDUCTIBLE. APPROVED BY ALL INSURANCE COMPANIES. FA: SERVICE FROM 40-56% OF CUSTOM TABLE PADS is gone forever. If you keep that in mind, you can make each mo- time- management expert andorganiza- tion guru Stephanie Culp was born that way. ment count Although organized, Culp also found she was cutting her time “T didn't learn from mymother, whois fairly messy. My roomalways was neat. Myclosets look great and so does myoffice.” she said with neither bravado nor too thin. She chose to move to Oconomowoc. Wis., close enough to Milwaukeeto catch a plane and isolated enough to slow down apology. ‘But moving is not necessary. Common-sense time-savers can Culp began helping people organize thelr offices while she had “a real job” as vice president of an antique-importing firm. So manyfriends and acquaintances asked for herinput. she began to wonderif she could make aliving doing it “Word of mouth and alittle press got mybusinessstarted. Organization is tied to productivity The bottomlineis saving money.” Today, Culp spends most of her time writing about organizational skills. Books include Streamlin- ing Your Life, Howto Get Organized When You Don't Havethe Time, How to Conquer Clutter and You Can Find More Time for Yourself Every Day. While she has funnystories about clients — anexecutive with a desk drawer filled with packets of soy sauce comes to mind her humorfails when talking about finding time for oneself “For most people. the No. 1 desire today is to find moretime for themselves without taking an economic hit. There is nothing funny about it.” she said Except maybethe excuses. “There are no excuses I haven't heard,” Culp said with a sigh Some favorit ‘It’s been another oneof those days,’ “I couldn't helpit. Traffic was murder,’ “No one can do it but me andI don’t havetime right now,” “Whoam I, Superman?” and ‘Organized people are nitpickers anyhow.” In fairness, she acknowledges that people take on more than theycan handle. “Parents who drive a child to threeactivities a week, like soccer practice, basketball andpianolessons, can run into real problems of the World Wide Webto put the people's records in their hands hours every day. A moment spent As the organizationally disad when they multiplythe activities by a number of children. give youextrahoursin your life. W Get upearlier Getting up 30 minutes or an hour earlier gets you on the road before therest of the world. Traffic is lighter. You get quiet time at work beforethephones start ring- ing. Tip: Keep a small tape recorder in the car to make memos. @ Savetime with housework Pick up every day. Makegetting rid of clutter a habit. Clean the bathroom andkitchen as you go; you won't have to spend as muchtimescrubbinglater. Tip: Before you sit down to eat put pots to soak in soapy water. @ Prepare food ahead Dopreparation work as you put groceries away. Clean vegetables. cut and slice some to be put in sealed food-storage bags for snacks. Tip: If you buyin bulk, separate into smaller bags. @ Telephone timesavers. If you spend a_ significant amount of time visiting with friends on the phone, do something while youtalk. Sewbuttons; make shopping lists. Tip: Avoid telephone tag. Name the best time to return your call Travel can be fun. Travel light. Each destination means four times packing or unpacking. Figure out what you need, then take half. Tip: Stay on a lower floor in a full hotel. You can walk thestairs instead of waiting for elevators @ Shopping time-savers. Shop during off hours and avoid waiting in lines. 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