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If i furg sip Ike Ottittlitttlitittit1111140"119 Iteitittltlifillrellitif to ito - Wet IttirettitOttee tett 4 or Atilt' 111 AZa Allikototi —United Press l Photo tional Photo Tiny Chip Thinks' Big Fla-base- Project manager Stephen Upham inspects a new integrated information processing and circuit designed for high-spee- d designed by Siemens Components Inc of Santa Clara Calif Forbes Spoof Is Rich Humor For the Little Kid in Us All By Rick Ratliff umn layouts and the businesslike ways babies are posed in the photos "Babies are far less predictable than animals" in photo sessions Hochberg said in a telephone interview "A lot of animals are trained and you can just say 'sit' As in her previous parodies every product reviewed in the magazine really exists giving Forbabes real utility for parents of small children What in Forbes is called "Readers Say" in Forbabes becomes "Readers Cry" Malcolm Forbes' "Fact and Comment" column becomes Talcum Forbabes' "Fact and Comfort" free transportation to shopping districts MasterCard and Visa are offering special contests giving a chance at winning prizes every time they use their cards during the holidays Visa's grand prize is having bills up to $1 million paid over a five-yea- r period MasterCard provides up to $18000 a year over 10 years American Express has been heavily promoting its plan which gives card holders limited warranties on charged merchandise that's lost stolen or broken And for the first time it's offering to bus card holders in New York City and Chicago to key shopping areas If it works out American Express says it may expand the service to other cities next year the s stE Fr W 04 chase items like automobiles or appliances "I don't mean to sound like but you're going to Scrooge have a cautious consumer going into the holiday season" said Maury Harris chief economist for PaineWebber Inc "There's not a lot of pent-u- sa: go ' ur' on spi de Se p demand" tar Economists note recent reports that show drops in retail and auto sales as well as overall durable goods Harris also cited a sharp increase in applications for unemployment benefits in recent months sul ' By Ann Chadwell Humphries yul Bankcard Holders of America "The real emphasis is not to sign up new card holders but to get get you to use one card over another" Issues are using direct mail and broadcast ads to tout deals ranging from preapproved credit cards to pro nie Co we can lose perspective about how important issues are or aren't in the workplace Ask yourself: Is this a real problem? Do I deny this is important? Will time solve this? Denials may force issues underground where they build and emerge with more power and venom You will want to act if a conflict is pesky and persistent Or you may choose to allow issues to cool first r Newspapers Among the skills of a polished business professional is knowing how to handle conflict Thinking the workplace will be conflict free is naive and unrealistic for conflict is a part of living a part of working Here are basic strategies for managing conflict and confrontation and disagreeing diplomatically: Decide if it is worth it Many times Knight-Ridde- tio sal wh sig How to Cope With Conflicts consumer group it non-prof- — when economic conditions were booming particularly for major pur- n buyer-protectio- d d But despite these promotions many economists predict that consumers aren't likely to spend as much as they had in previous years card-holde- g 1 : thE ma oul TOf prE pie 9 lom PI — t" 1I Of course with 96 pages of par ody the running joke in Forbabes becomes more like a marathon But the execution is consistent right down to masthead typefaces col- Newfpapers At first it looks like a copy of Forbes with a nameplate scribbled over in crayon above a cover photo of a bespectacled toddler in a suit and tie But it is really Forbabes the latest in a series of meticulous magazine lampoons by Ilene Hochberg In her relentlessly punful way Hochberg has subtitled Forbabes "A Capitalist Drool For Babies Who Mean Business" Published by Doubleday the $995 parody is about to hit bookstores Hochberg a New Yorker who has no children of her own has given us such parodies as Catmopolitan Vanity Fur and Dogue As in those previous efforts almost every element of Forbabes is part of a running joke r Knight-Ridde- With the e'onomy weakening and some retailers already offering deep discounts experts say bargain-huntinconsumers could do well this holiday reason — if they play their credit cards right Faced with slower activity as a result of the weakening economy card issuers are offering promotions such as preapproved cards sweepstakes free rides to shopping areas and other premiums to spur card use during the critical buying season "The consumers have gained a big new edge" said Robert K Heady publisher of Bank Rate Monitor which tracks interest rates among major banks and thrifts nationwide "But you've got to do your homework before you dash into the malls screaming 'charge" Interest rates on credit cards and unsecured personal loans are up sharply from the holiday shopping season of a year ago according to Bank North Palm Beach Rate Monitor The average bank credit card for example carries of rate of 1866 percent compared with 1815 percent a year ago Personal loans average 1711 percent up from 1644 percent in 1988 it said The stakes are even steeper in California where some of the major banks charge as much as 20 percent interest on credit cards and 2175 g lilirrt:'- Vitt119( 7 1 — - c 11L7 :'::::: - I It I Ill V4fir71779Z-77- 9 1:: '': 11147 :"- - —-- t t--:- -- 'le' ' I ' : '' 1' -- CirLtilti: Sittettirttttg-A:c:ttirtit- percent on personal loans Bank Rate Monitor said In some cases rates on retailers' charge cards can run even higher But consumers can avoid any of these finance charges and take advantage of the relatively easy access to credit if they pay their monthly bills on time something consumer groups recommend and about 40 Americans do percent of card-usinWith card costs running high credit-carcompanies banks and retailers have been focusing on special services or promotions as they vie for consumer dollars As much as a quarter of their charge volume from the 130 million Americans that buy on credit comes during the lucrative Christmas holiday season The competition seems to be steeper this year as recent economic data reveal anemic growth prompting some retailers to already begin offering discounts something virtually unheard of in the early years of the economic expannation's sion "There seems to be more promotion" said Elgie Holstein director of By Vivian Marino AP Business Writer :: - tt4141:10-ttCtittt-t:Ex-S- - '4 :::i:4::i:Z::::v:1:: '':gS:$0g:t t'—'"' Is' ' :: " Experts Say Consumers Have Edge for Holidays l'44' ':9': :14''&t::'''i4):i - I -4 ' 1 1 Retailers Offering Big Discounts The Salt Lake Tribune Sunday November 26 1989 Extra copies of this 0 i DIESEL POWER SYSTEMS INC newspaper are available For info please call r 41 1 Allison Transmission Parts 1237-293- 1 & Service On & Off Highway Engine & Transmission Dyno Testing Facilities Exchange Engines & Transmissions Detroit Diesel Parts & Service Exchange Components 04::):' z Large inventory 't Machine Shop Field Service tASERCARTRIDG EIMIBRECHARGE P 4 4 buE 0 WO f are 4 tor $ t I SAVE 50-6- A 0) Over New Prices 414 $301195 Canon Apple And Many Others Laser Printer Supplies - e 1 2 24 Hr Turn Around FREE PickupDoi !very Satistactton 100 COMPETITIVELY '4111 PRICED 2466 So 2570 41'e G Guarantee 973-370- 7394 West Camas Place Magna Utah 84044 (801) 250-101- 801-972-17- 9 C:fr4'0' W I ": '17-2ii- -- 3 :Jar 1 ane '1 r' i'7 - 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