| Show D2 The Salt Lake Tribune Jay Goldinger's column is unavailable this week t' s t tOS ' 2 : 2 CONSUMER i e ' t Sunday April 4 1993 ' 11' 't "t: z N 1 NNA' 4 p' '''--------a- ‘s411Spkit'' t- 44 -s- p--- Statistics Show 3Iore Workers Stressed Out ' r- 4 14 ' - t1 - Statistics what you probably already knew: The workplace has become increasingly stressful A management newsletter (if 1 1 1 I t t 14 t' L: t- 'r ' ' i::' I 41441- g 4ttY 10 4 ' iI ? ' - - '' ) 0 ( t 4 t1 leofre' i 1 '''l i ' 1 ' ' le :' k " A-- 1 Ot ' 1 f ::' 1- :!: a '' ''k t 1 L -- i '''''''''' a c 1'' :: 4 $ ' ::: ' 1 ' ::'::CY' 1 '''' ‘' A: ::f 1 ) 4 'N ' :” ii ' ')' ' ' 4 ::!?: '''' ''" : 4:f ' ' " 1 I 4 :'''' 'N l' a s -- n fixed-pric- one-pric- 0-- : First understand what is happening in the workplace said Kevin J Murphy president of CDK Associates & Consulting Inc a Salem NH firm specializing in personnel evaluations and customer and employee-opiniosur- g g e '' le le fixed-pric- :' OA' one-pric- set-pric- es car-buyin- ot ! -- '"'y - i How to accomplish the balance? Harmon and others offer some suggestions It It 1 4 fi : t - - f -- 1) 44:i Workers are unhappy "The 1990s are the balancing decade" said Larry Harmon a Miami psychologist who specializes in career counseling "People are tired of the emptiness that comes from the endless search for external rewards They want to balance what they get from the outside with how they feel on the inside about themselves" -- 1 $' has added a month a year to his or her working time since 1969 calculates a Harvard economist The Bureau of Labor Statistics reports that Americi ns are logging more overtime than at any time since the '50s '' ' I The Associated Press - TIRELESS WORKER KEEPS UP HIS ROUNDS tire as the facility's 200 Goodyear worker at Topeka Kan plant designates a lionth tire The actual 200 millionth tire however was smaller than this giant 12-fo- n e - osaggaaNteatte-NOWSPillsill-- Mallita mil- Az- 12-fo- ot veys Adapting to the changing workplace requires applying more of your inner standards Murphy said If your workplace is full of rumors criticism and office politics you should reduce attention to the environment and focus on your performance Even if outside recognition is not forthcoming you still will have a record of good performance and the satisfaction of doing a good job "' ' i E4 I r ' tk one-pric- Life's painful experiences may include a trip to the dentist for a root canal viewing the neighbors' 2456 slides of their summer vacation and buying a car Car dealers cannot do much about the first two but some are trying to take away the pain of the latter They are posting set prices on some cars — that's the price no negotiation However it is a technique much debated among dealers some of whom still believe potential buyers love to dicker and that benefits consumers and salespeople alike At Saturn of Salt Lake a system is used ranging from $9500 to $11000 "It takes the haggle out of the process" says David Gibb chief operating officer Warner Enterprises of Salt Lake e City and one of the few auto dealerships in the state Jerry Seiner offers set prices at his dealerships as well in the Salt Lake City area through his advantage-pricinprogram Warner Enterprises owns Utah's only Saturn dealership along with Rick Warner auto dealerships in Salt Lake City and Utah County He believes his customers appolicy preciate the However he noted the company's remaining dealerships continue to negotiate prices on vehicles but adds that the policy is experimental Using haggling "The consumer may get a better price We have e been looking into extending to our other dealerships but are not sure it is to the customer's advantage N f:v4 1 t4r 0 -- '—‘ 177 4 I e "The principal behind selling is that it is not necessarily the lowest price But it makes it pleasant so people may be willing to pay a bit more" to avoid protracted negotiations Which is why salespeople do e not like systems said Mike Reed of Parkway Motors in Cedar City a Ford and MercUry dealership that negotiates prices "Salespeople don't like it be- cause they don't have the respect of their customers Anyone can do that sell cars at one price" he said Thus at such dealerships salespeople are on salant- - and earn an additional $25 to $50:for each car sold He pointed out that while the car price may be at dealerships-- : the instead salespeople might liaggle over the value of the car 'being traded in and "They look at the trade-isay it is worth $5000 but start at $4000" Mr Reed said Consumers can also expect to pay more for their car's financing and other e extras through the dealership he claimed Not so says Saturn of Salt Lake's general sales manager Jon Whipple "People are too smart andit is silly to say that With rates as low as 7 and 8 everyone knows what their credit union orbank will do And we have to do:better" Mr Whipple said There are other ways to buy a car however Consumers can get bids from dealers on the same car through a nationwide service CarBargains based in Washington DC For $135 the firm will get bids on one specific car from at least five dealers in the customer's hometown area By Robert Bryson THE SALT LAKE TRIBUNE 1pe--- Actw ' I f'1 er The average American worker With fewer middle managers some communication functions have been delegated to the rumor mill Murphy points out The rumor mill bften comes charged with innuendos gossip and It VII ti : And everyone is working hard- Many companies have cut back employees or consolidated with other companies Many middle managers were eliminated in the process Surviving staffers have twice the work Surviving managers need to justify their positions with more written reports and updates The burden falls on their subordinates f J' J44 re- cently reported that eight of 10 American workers are "headed for collapse" An insurance company survey of 1300 workers found 40 percent report frequent bouts of anxiety anger fatigue or exhaustion One in three was thinking of quitting ' ' confirm e x st NEWS SERVICE KNIGHT-RIDDE- J t A' I 0e11:1Aly P t) i : I 1 411 t ---- '''' '1 - Is No Haggling on Price of Cis Good for Buyers or Salespeople? 't1 1 all "IBM INSIDE"75 486stt2r50 mtiz Clinton's Tax Proposal Would Penalize Married Couples of $308 from current law according to Arthur Andersen one of the Big Six accounting firms A married couple earning $500000 would pay a penalty of $17824 a whopping $11774 more than under cur- NEWS SERVICE KNIGHT-RIDDE- SysteNt nctodp : 4411EAM!P tiafttOPRPCO:$20 EVEWanRITSOIS7210W di Po!Yge 4 )zo mgoiAR os -- If President Clinton's tax proposal becomes law one of the beneficiaries will be divorce lawyers particularly in the ritzier parts of the country Clergy on the other hand will have a harder time earning a living since fewer people will want to marry That is because Clinton's tax proposal aggravates a glaring inequity in the federal tax law: An unmarried couple living together and filing as individuals pays significantly less tax than a married couple with identical income and deductions That marriage penalty not only is unfair but also discourages the formation of traditional families — a living arrangement that is one of the keys to a society The penalty should be eliminated as part of the current effort to rewrite the tax code Under current law two working people in all but the lowest brackets pay a marriage penalty Under Clinton's plan that penalty would become much larger particularly for combined incomes of more than $200000 A married couple earning $200000 for example would pay a marriage penalty of $6476 an increase OS 'S:VGA-MPPIII- 1111131 vsntoollyt-rtANOMo- ez t— rent law --- The original reason for having special tax rates for joint returns was to give a tax break to married men because in most cases they were the sole support of a wife and children Si 963 iji 0 ONLY BOO ICE" I -'- 111"--m -- 2- 4861-- r3F6-40 As more women entered the work force married couples with two wage earners were given a $3000 deduction not available to other filers 486-3- 3 486-25S- X 9199" 1099w But in the past seven years that advantage disappeared First the 1986 tax act eliminated the $3000 deduction Later laws phased out exemptions and e ' A 1 INCLUDE: 230 WATT 0 I MINI PS TOWER OR DESKTOP ' 0 56912-6- AirL 15 iffilits 000 ea coMion ' - - - - 2 SER1 PAR1 GAME I CC ENHANCED AT KEYBOARD MSDOS 50 R PARTS AND LABOR INAlletti I 97149m '144900 ALL SYSTEMS 2MB RAM (70NS) 64K CACHE (25NS) 12 MB FLOPPY 0 120 MB HARD DRIVE IDE CONTROLLER 14" SVGA MON 16 BIT VGA CARD deductions That increased the progressive nature of our tax system and put working couples at a disadvantage compared with two single workers families Meanwhile the number of skyrocketed forcing an increasing proportion of taxpayers to remain — or become — single or pay the marriage penalty "The law hasn't caught up with societal changes" says Sharon Kreider partner in Kreider & Schmalz a Santa Clara Calif accounting firm two-incom- 0: 'Bt4L14 OPEN 0- - s 11110N-$A-T Designating Guardian for Children Should Be Essential Part of Will NEWS SERVICE KNIGHT-RIDDE- Finding a good baby sitter is hard enough So imagine the angst of designating a legal guardian for your children It's a sobering task for some parents and many couples never finish the process because they can't agree on which friend of relative is best suited As guardian the person you select would get custody of your underage children if you should die unexpectedly Therefore most parents think long and hard before naming a designate That is where the trouble often starts experts say If both parents can't agree on who should serve as guardian they often agree to do nothing and that can lead to other problems If both parents should die without picking someone a judge would decide who gets the children and the guardian may not be a person either parent would have selected The guardian should be named in the parents' wills If no guardian is named the parents lose control over that aspect of the planning process The will also should name a trustee — a person designated to make financial decisions on behalf of underage children "More than half the prospective clients I talk to don't have a will for that very reason" said Glenn Meyer director of personal financial planning at KPMG Peat Marwick in Philadelphia "They can't agree on a guardian or they can't agree on a trustee" In most cases where couples disagree each parent wants the children raised by a relative on his or her side — often a grandparent — and neither is willing to compromise But compromise is crucial says a partner at Sheilah court-appointe- Vance-Lewi- !' d Vance Jackson Simpson "We Don't Try To Be All Thinp To Ail People We Simply Make & in Philadelphia At some point parents should put aside their own agendas and do what is best for the children "It may be a good idea to sit down and talk about your philoso" she said phies on "You might discuss how you want your children brought up" If compromise seems impossible however consider the following tips provided by various experts: Never select a guardian without first discussing it with that person You should talk candidly about how you would want your children raised Vance-Lewi- s child-raising- : Money For Our Depositors': estate- -planning Generally grandparents should not be appointed as guardians especially if they are old Grandparents are more likely to die before the children reach adulthood and the issue of guardianship would be thrown into court The person you select should be someone your children know and like A relative they rarely see may not be a good choice Look for someone who shares your values on discipline religion money education etc The best guardian is not always a family member Friends should be considered too provided they know your children Once a guardian is selected you also should pick someone to serve as trustee It could be the same person you chose as guardian but it does not have to be While the guardian would care for your children physically the trustee would look out for their finances deciding how money is invested and spent Some experts say that to avoid potential conflicts between the guardian and trustee both jobs should be held by the same "American Inlestment Bank is a savings institution That's all we do We don't do checking we don't do credit cards we don't have ATMs We simply make money for our full-servi- '5 r7i--mmoomporAwlf' t!"r 11o''(''t - 0' N t sit ! ' '''- -'' ' IN' -- 4 t3 depositors" t I -4- A-- 4 !!!:4:: ce ' f : ' '' - ' ' ''' ':'- - s'1 : x i: : :5 1:i3 14 " Dianne shouhl know For years she's been hel )in customers earn high rates on t hei r t:'I C inu r e d Certificates o Deposit Money Market Accounts and IRAs At American Investment Bank we know that it's Dianne 'performance that Sayings Specialist II counts Personal performance that shows in our service and portfolio performance that shows in your bottom line 506 I Rate 57 0 Yield $1000 to $9999 $10000 to $49999 $50000 or more Rate Yield Rate Yield Rate Yield 12 month 410 416 420 427 430 437 60 month 550 561'0 555 567 560 572 Amount 'Yield based on quarterly compounding of interest Substantial penalty tor early withdrawal These rates are sublect to change without notice American Investment Bank also otters competitive rate CDs ranging in maturity from 90 days to 5 years MEMBER FDIC INVESTMENT BANK Zi AMERICAN BECAUSE PERFORMANCE COUNTS 200 East South Temple 0 Key Bank Tower 50 South Main Suite 460 7th East - Branch 3785 South 700 East 4 s 4 4 1LePtaOf Stee4'pift-- c MftAk0N160mattaaft01Maosigkomits4NoANat5Pftwt0""aro044wdm |
