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 UP TO 25% OF YOUR";Š_[™" TAXABLE INCOME UP TO $30,000."Ň_`™"     IF, HOWEVER, YOU HAVE EMPLOYEES WHOHAVE WORKED FOR YOU AT";`e™" LEAST 3 YEARS,YOUMUST CONRIBUTE THE SAME PERCENTAGE OF   THEIR ";A`j™"INCOME TO A KEOGH AS YOUR OWN."K`œ8000s`
 BE CHARGED A 50%TAX ON THE AMOUNT";Ä].™" THE U.S. GOVERNMENT   THINKS YOU SHOULD WITHDRAW FOR YOUR RE- TIRE";Ń]3™"MENT."Ű]88000ů]=™"Ÿ***KEOGH PLANS***"B^B™"    KEOGH PLANS ARE SIMILAR TO IRA'S FORSELF-EMPLOYED PERSONS,";^G™" WORKING 
UE=";FV :‰7140Vhx8000_h܉300”h?™"“":™"        END INVESTMENT PROGRAM" :‰10000šh@ßhŠ™"’SPACE BAR TO CONTINUE:";:X˛1¤200:‚$iŽ™"SPACE BAR TO CONTINUE:";:X˛1¤200:‚8i°ĄA$:‹A$˛""§8105Iił

™"     YOU MAY INVEST YOUR IRA MONEY IN   MANY WAYS: MUTUAL FUNDS,";ç[™" BANK CD'S, BONDFUNDS, ETC. IT DEPENDS ON HOW MUCH RISK YOU WISH";\™" TO TAKE. (CONTINUED)
\8000Q\™"Ÿ***INDIVIDUAL RETIREMENT ACCOUNTS***":™"    (CONTINUED)"›\
 TO SOME SPECIFIED AMOUNT OF CASH TO BE REC";ľfĐ™"EIVED AT SOME FUTURE DATE. THE FORMULA FOR CALCULATING DPV IS:"ŇfŐ™"                   N"îfÚ™"             1/(1+R)")gä…"ENTER FUTURE VALUE(0 TO QUIT):";PUgî‹P˛0‰7800:‹Pł1 ° P
OUNTS***ŽYŢ™"     IRA'S ARE A WAY TO PUT MONEY AWAY  FOR YOUR RETIREMENT AND";óYă™" GET SOME TAX    SHELTERING ON CURRENT INCOME AS WELL.AD-DIT";:Zč™"IONALLY,THE INTEREST YOU EARN ON YOURIRA INVESTED MONEY ISN'T ";‚Zí™"TAXED UNTIL YOUWITHDRAW I
         P(1+R)"Žd€…"ENTER PRINCIPAL(0 TO QUIT):";PşdŠ‹P˛0‰7100:‹Pł1 ° Pą100000         ‰7040őd…"ENTER INTEREST RATE(USE N.N):";Re”‹Rł1 ° Rą99 ‰7055Be™…"ENTER NUMBER OF PERIODS:";NY
:X˛1¤1000:‚˜Wz™"            SUMMARY TABLE        "ÇW„™"              A   B   C    D    E    F"X“™"IRA'S         1  1/3 2/3  YES VARY  YES":™"         "CX˘™"KEOGH PLANS   1  1/3 2/3  YES VARY  YES":™"             "X§™"SALARY REDUC- 1   1
bX™"“          INTEREST CALCULATIONS         ":X˛1¤1000:‚¸b]™"Ÿ***COMPOUND INTEREST CALCULATIONS***"cb™"   COMPOUND INTEREST IS CALCULATED BY   CALCULATING THE INTEREST";Ocg™" THAT A SUM OF  MONEY, CALLED THE PRINCIPAL,WOULD AC-   CUMULAK































































































































































































































































Ą™"Ÿ***SALARY REDUCTION PLAN***"ź`Ś™"     THIS PLAN ALLOWS YOUR EMPLOYER TO  DEDUCT UP TO 10% OF AN";aŤ™" EMPLOYEES SALARY TO BE PUT IN A TRUST. THE INCOME INVEST-ED IS";Ka°™" NEVER REPORTED TO THE IRS SO IT ISNOT TAXABLE NOR IS THE INTE";
FULL  OR PART-TIME. YOU MAY OPEN A KEOGH PLAN IN ADDITION";Ô^L™" TO YOUR IRA. THE TAX SHELTERINGOF INCOME AND INTEREST ARE THE";_Q™" SAME AS  IRA'S,AS ARE THE WITHDRAWAL REQUIREMENTSAND PENALTIES.";d_V™"WITH A KEOGH PLAN HOWEVER,YOU MAY CONTRIBUTE‡‹A$˛" "‰8130Si¸‰8105”i™"":X˛1¤22:™"                                        ";:‚łiÇ™"                      ";ši(#Žżi'€R NUMBER OF PERIODS:";Nôg‹Nł1 ° Ną1000‰7165hFV˛P­(1Ş(RŹ.01)ŽN)Lh™"DISCOUNTED PRESENT VAL

™"     THERE ARE, OF COURSE, PENALTIES FORWITHDRAWING FUNDS EARLY";ĺ\™". BEFORE AGE 59  1/2,YOU MUST PAY REGULAR INCOME TAXES ONWHAT YOU";/]$™" WITHDRAW AS WELL AS A 10% PEN- ALTY. IF YOU FAIL TO WITHDRAW THE";x])™" MONEY BY AGE 70 1/2, YOU WILL
ą100000         ‰7140gó…"ENTER INTEREST RATE(USE N.N):";RŚgř‹Rł1 ° Rą99 ‰7155Ýgý…"ENTER NUMBER OF PERIODS:";Nôg‹Nł1 ° Ną1000‰7165hFV˛P­(1Ş(RŹ.01)ŽN)Lh™"DISCOUNTED PRESENT VAL
T. INDIVIDUALS MAY INVEST  UP TO $2000";ËZň™" PER TAX YEAR; WORKING SPOUSES  UP TO $2000 EACH, OR $2250 FOR A";[÷™" CONTRI-BUTOR WHOSE SPOUSE DOES NOT WORK. BEFOREAPRIL 15, YOUR IRA";T[ü™" MAY BE COUNTED TOWARDTHE CURRENT OR PREVIOUS TAX YEAR.ž[

ež‹Nł1 ° Ną1000‰7065peŁFV˛PŹ(1Ş(RŹ.01))ŽNĽe¨™"FUTURE VALUE=";FV :‰7040śeź8000 :‰7900áeÁ™"Ÿ***DISCOUNTED PRESENT VALUE***"(fĆ™"     DISCOUNTED PRESENT VALUE IS THE CURRENT AMOUNT OF MONEY";ofË™" THAT IS EQUIVALENT
   2   YES VARY  YES":™" TION PLAN"§Xś™"Ÿ         0=LOWEST  3=HIGHEST"âXť™"A=ACCESSIBILITY   B=RISK   C=RETURN ON  INVESTMENT";*YŔ™"   D=TAX SHELTER?   E=MIN IN- VESTMENT   F=GOOD RETIREMENT ACCT?"4Yԍ8000dYŮ™"Ÿ***INDIVIDUAL RETIREMENT ACC
TE IF";—cl™" THE INTEREST FOR EACH PERIODWERE ADDED TO THE PRINCIPLE ITSELF."âcq™"     LET THE PRINCIPAL=P, THE INTEREST  RATE=R, AND THE PERIOD=N.";!dv™"THE FUTURE VAL-UE OF P IS CALCULATED USING THE FORMULA:"Vd{™"                    N":™"     K































































































































































































































































“aľ™"REST THAT AC-CUMULATES. SIMILAR RULES APPLY TO SRP'S CONCERNING";Úaş™" EARLY WITHDRAWALS(BEFORE AGE 59 1/2). THERE ARE HOWEVER, MORE";$bż™" FAVOR- ABLE TAX TREATMENTS ON SRP WITHDRAWALS  THAN FOR IRA'S OR";5bÄ™" KEOGH'S."?b8000HbW‰300‡
ĂJ­™"ED IN,ATWHICH TIME THE SHARES ARE TAXED AT CAPI-TAL GAINS RATES.";
K˛™"THERE IS NO LIMIT TO THEAMOUNT OF INCOME THAT MAY BE SHELTERED";SKˇ™"  ANNUALLY. THERE IS, HOWEVER, NO 5% REIN-VESTMENT DISCOUNT,AND ";œKź™"FUND MANAGERS TAKEEXPENSES OUTAT LEAST 1 YEAR.  SOME UTILITY COMPANIES ADD A 5% STOCK PURCHASE";IS™" DIS-  COUNT FOR REINVESTED DIVIDENDS.THE MAX- IMUMS THAT MAY BE DE";WIX™"FERRED ANNUALLY ARE $750 PER INDIVIDUAL OR $1500 PER COUPLE FILING";hI]™" JOINTLY."rI”8000I™™"ŸND ATTEMPT TO GIVE THE INVESTOR CURRENTINCOME AND/OR CAP";çSn™"ITAL GROWTH. SOME FUNDSCHARGE A FEE, OR LOAD, TO BUY SHARES.";Ts™"   OTHERS DO NOT."GTx™"     DIFFERENT FUNDS INVEST IN DIFFERENTTYPES OF STOCKS. SOME";ŽT}™" MAY SPECIALIZE IN CERTA
IES ARE GOOD LONG-  TERM INVESTMENTS SINCE YOU";űFů™" MUST PAY PEN-ALTIES, FEDERAL TAXES, AND A FEDERAL 5% PENALTY IF";!Gţ™" THE MONEY IS WITHDRAWN EARLY."+G08000XG5™"Ÿ***UTILITY STOCK REINVESTMENT***"G:™"    BUYING STOCK IN GOVERNMENT EAST 6 STOCKS. IN ALL, BUYING STOCKS DIRECTLY";ĺQ™"  YOURSELF CAN BE COSTLY AND EXPENSIVE UN-LESS YOU CAN AFFORD TO ";1R™"LOSE THE MONEY.  FOR MOST INVESTORS,  MUTUAL FUNDS ARE A SAFER WAY ";IR™"OF BUYING STOCK."SRP8000{RU™"Ÿ***OPEN-ENDS."“D̍8000ÇDŃ™"Ÿ***SINGLE-PREMIUM DEFERRED ANNUITIES***"EÖ™"     A DEFERRED ANNUITY IS A SAVINGS AC-COUNT OFFERRED  BY AN";ZEŰ™" INSURANCE COMPANY.AN INITIAL INVESTMENT OF $5000 IS RE-   QUIRED.";˘Eŕ™"THE INSURANCE COMPANY ADDS INTER-ES    0=LOWEST  3=HIGHEST"ĂOÓ™"A=ACCESSIBILITY   B=RISK   C=RETURN ON  INVESTMENT";PŘ™"   D=TAX SHELTER?   E=MIN IN- VESTMENT   F=GOOD RETIREMENT ACCT?"Pě8000.Pń™"Ÿ***STOCKS***"vPö™"     THE STOCK MARKET CAN BE A QUICK WAYTO MAKE OR LOSE OWNER RECEIVES TAX-EXEMPT IN- COME FROM THE PORT";C†™"FOLIO. THE UNITS OR   FUND SHARES ARE ALSO EASILY LIQUIDATED."NC‹™"     THE BIG DIFFERENCES BETWEEN THEM   ARE IN HOW THEY MAKE THEIR";šC™" MONEY. UNIT  TRUSTS TAKE A COMMISSION WHEN YOU BUYGE FEES TO OPEN APOLICY, ";×M ™"PLUS FEES FOR EARLY WITHDRAWALS,THESE POLICIES ARE GOOD ONLY AS";ůM%™" LONG-   TERM INVESTMENTS."N\8000N‡‰300KNˆ™"“            THE STOCK MARKET            ":X˛1¤1000:‚wN’™"            SUMMARY TABLE    **"°Už™"     CLOSED-END MUTUAL FUNDS ARE BOUGHT AND SOLD ON THE STOCK ";űUĂ™"MARKET LIKE REGU- LAR STOCKS, AND COMMISIONS MUST BE PAID TO BROKE";GVČ™"RS. THESE FUNDS, HOWEVER, HAVE  GREATER FLEXIBILTY THAN CLOSED-END ";“VÍ™"FUNDSWHICH TEND TO F OF THE DIVIDENDS BEFORE RE-INVEST";ŠKÁ™"MENT."łKř8000ŢKý™"Ÿ***UNIVERSAL LIFE INSURANCE***"&L™"     UNIVERSAL LIFE INSURANCE IS A TERM LIFE INSURANCE POLICY";lL™" THAT ALSO PROVIDESA TAX-DEFERRED ANNUITY.THE INTEREST RATEIS";ľL™" SI***TAX-MANAGED MUTUAL FUNDS***"ĺIž™"    TAX-MANAGED MUTUAL FUNDS ARE CORPOR-ATIONS THAT INVEST IN";/JŁ™" STOCKS AND REIN-  VEST THE DIVIDENDS IN MORE STOCKS. SINCETHEY A";zJ¨™"RE CORPORATIONS THE DIVIDENDS ARE TAX-DEFERRED UNTIL THEY ARE CASH";	IN ECONOMIC SECTORS, SUCH AS HEALTHOR ";ŘT‚™"TECHNOLOGY. OTHERS INVEST IN SPECULA-TIVE ISSUES. IN ALL, HOWEVER";"U‡™" FUNDS ARE  SUBJECT TO CHANGING MARKET CONDITIONS ASARE STOCKS IN";3UŒ™" GENERAL."=U´8000gUš™"Ÿ***CLOSED-END MUTUAL FUNDS*
REGULATEDELECTRIC UTILITIES";äG?™" ALLOWS THE OWNER TAX-DEFERRAL IF THE DIVIDENDS ARE REINVESTED";.HD™"IN THE UTILITY STOCK. TAXES AREN'T OWED UNTIL THE STOCKS ARE SOLD";vHI™" AND ARE TAXED AT CAPITAL GAINS RATES IF THE STOCKS AREHELD FOR";ŔHN™"  MUTUAL FUNDS***"ĂRZ™"     OPEN-END MUTUAL FUNDS ARE SOLD BY  INVESTMENT COMPANIES ";S_™"IN AMOUNTS OF$1000,OR SOMETIMES LESS. THE FUND, OF WHICH   THER";WSd™"E ARE MANY, IS COMPOSED OF MANY DIF-FERENT STOCKS.THEY ARE EXPERTLY";˘Si™" MANAGED AT TO YOUR ACCOUNT AT A RATE ";čEĺ™"GUARANTEEDFROM 1 TO 5 YEARS. THE RATE IS SLIGHTLY LESS THAN A";0Fę™" TAXABLE CORPORATE BOND. THE INTEREST, HOWEVER, ACCUMULATES INT";fFď™"EREST TAX-FREE AS LONG AS ITS IN THE ACCOUNT. "˛Fô™"     DEFERRED ANNUIT A LOT";žPű™" OF MONEY. FOR MOSTPEOPLE, IT IS QUITE RISKY BUSINESS. BRO-KERS";Q™" CHARGE FAIRLY HIGH COMMISIONS ON   SMALL PURCHASES. IN ORDER TO";PQ™" INCREASE   YOUR CHANCES FOR SUCCESS, YOU SHOULD DI-VERSIFY YOUR";›Q
™" PURCHASES AMONG AT L INTO THE TRUST,";ăC•™" WHILE BOND FUNDS TAKE A   PERCENTAGE OF THE FUND'S INCOME. SOME";.Dš™"   FUNDS MAY ALSO CHARGE COMMISSIONS.BOND  FUNDS ARE BEST FOR PEOP";zDŸ™"LE INTENDING TO  KEEP THEM 5 YEARS OR LESS, UNIT TRUSTS  FOR LONGER";‰D¤™" TERM    "ŚNœ™"              A   B   C    D    E    F"âNŤ™"STOCKS        2  2/3 2/3 SOME VARY  NO ":™"         ""Oş™"OPEN-END      2  2/3 2/3 SOME 1000  NO ":™" MUTUAL FUNDS"bOż™"CLOSED-END    2  2/3 2/3 SOME 1000  NO":™" MUTUAL FUNDS"ˆOΙ"Ÿ     
OLLOW MARKET  UPS  AND   DOWNS.CLOSED-END FUNDS";ÚVŇ™" CAN BUY WHENEVER THEY WANT,AND ALSO TEND TO SELL FOR LESSTHAN";W×™" THE UNDERLYING VALUE OF THE SECURI-TIES THEY REPRESENT."$W8000-Wo‰300lWp™"“œ           RETIREMENT ACCOUNTS          "MILAR TO THAT ON CORPORATE BONDS.  WITHDRAWALS ARE NOT TAXED ";üL™"AS INCOME UN- LESS THEY EXCEED THE TOTAL PREMIUM PAID ANNUALLY."EM™"     UNIVERSAL LIFE POLICIES ARE GOOD   FOR HIGH TAX BRACKET IN";M™"DIVIDUALS. SINCE THERE ARE GENERALLY LAR
Ŕ
™" THE BOND MATURES.YOU KNOW EXACT-LY HOW MUCH YOU WILL END UP WITH";
6Ĺ
™" WHEN   THE BOND MATURES. "T6Ô
™"     FOR EXAMPLE, IF YOU BUY A $1000,20 YEAR ZERO-BOND EARNING";Š6Ů
™" 8% INTEREST, IT  WILL COST YOU ONLY $208 NOW."Ö6Ţ
™"    THE DISADVANTOMMISSIONS.THEY MAY BE SOLD FOR    THEIR NAV AT ANYTIME."+4a
™"     A CORPORATE BOND UNIT TRUST SELLS  BOND SECURITIES IN $1000";s4f
™" VALUES.YOU REC-EIVE MONTHLY INTEREST CHECKS. A SINGLE  PREMIUM";ż4k
™" IS USUALLY CHARGED BY THE BRO-  KER. UNIT TTO FINANCE MUNICIPAL BUILDING AND HAVE  VARIABLE";?™" MATURITIES. THEY ARE USUALLY   ISSUED IN $5000 MINIMUM VALUES AND";U?™" UP TO$1,000,000 IN VALUE.AS WITH OTHER BONDS,THEY ARE TRADED";ž?"™" AND SELL ABOVE OR BELOW THEIR FACE VALUE. FOR MUNIC
ICE. THISPUTS THE OWNER AT A DISADVANTAGE. ALSO,";2
™" THE BOND WILL BE REDEEMED FOR FACE VALUEAT MATURITY."d2
™"     YIELDS ON CORPORATE BONDS AER HIGH-ER THAN TREASURY BONDS.";°2
™" THEY ARE RELA-  TIVELY EXPENSIVE TO SELL AND ARE ALSO   SUBJECUITIES"Ý<Ü™"UTILITY STOCK 2  2   3  SOME  2000   NO":™" REINVESTMENT"=á™"TAX-MANAGED   2  2   3  SOME  1000   NO":™" MUTUAL FUNDS"Z=â™"UNIVERSAL     0  1   3  SOME  1000   NO":™" LIFE INS."€=ć™"Ÿ         0=LOWEST  3=HIGHEST"ť=ë™"A=ACCESSIBILI;ú/˛™" AND ALSO PAY A HIGH-ER INTEREST RATE THAN T-BONDS. THEY ARE CON";D0ˇ™"SIDERED SAFE BUT LESS LIQUID, AND    SHOULD BE HELD SEVERAL YEARS."N0ä8000p0é™"Ÿ***CORPORATE BONDS***"ź0î™"     CORPORATE BONDS ARE ISSUED BY COR- PORATIONS TO ERTIFICATE."í:L™"     GNMA'S MAY ALSO BE BOUGHT FROM GNMAMUTUAL FUNDS IN $1000 ";ű:Q™"UNITS.";t8000;<‰300M; ™"“          TAX-EXEMPT SECURITIES         ":X˛1¤1000:‚x;Ş™"            SUMMARY TABLE        "§;´™"              A  B   C  RISE."Ä-€8000í-…™"Ÿ***OTHER GOVERNMENT BONDS***".Š™"GOVERNMENT AGENCY BONDS"V.™"    THESE BONDS ARE ISSUED BY GOVERNMENTAGENCIES AND GENERALLY";˘.”™" PAY A HIGHER IN- TEREST RATE THAN T-BONDS.THEY ARE,HOW-  EVER,MORE";ë.™™" DIFFICULD HOME MORTGAGES.";ř8$™"THEY ARE THEN RE-SOLD TO BROKERAGEHOUSES WHICH RE-SELL THEM TO";C9)™"  INVESTORS IN $25000 UNITS. YOU RECEIVE A MONTHLY  CHECK BASED ON";‡9.™" YOR SHARE OF MORTGAGE PAYMENTS PLUS ANY PAID OFF MORTGAGES."Ń98™"     THE INCOMEDERAL TAXES ALTHOUGH";ď@;™" SOME STATE AND   LOCAL GOVERNMENTS DO TAX THEM. FOR MAXI-MUM SEC";9A@™"URITY AND LIQUDITY,INVESTORS    SHOULD BUY WELL-KNOWN, HIGH QUAL";NAE™"ITY  IS-SUES."XAh8000–Am™"Ÿ***TAX-EXEMPT UNIT TRUSTS":™"   AND BONDAGES OF ZERO-COUPON    BONDS ARE THAT THE INTEREST";7ă
™" RATE IS GEN-ERALLY LOWER THAN OTHER BONDS, AND YOU  PAY REGULAR";h7č
™" INCOME TAX EACH YEAR ON THE ACCRUING INTEREST. ALSO, SOME ZEROS";ą7í
™" HAVECALL PROVISIONS ALLOWING THE ISSUER TO  CALLRUSTS ARE BEST HELD FOR";Ű4p
™" AT   LEAST 5 YEARS."ĺ4Ź
80005ą
™"Ÿ***ZER0-COUPON SECURITIES***"W5ś
™"     ZERO-COUPON SECURITIES ARE BONDS   THAT SELL AT LARGE DIS";Ą5ť
™"COUNTS FROM THEIR REDEMPTION RATE.THE INTEREST IS PAID ON-LY WHEN";ë5	IPALS WITH 1";č?'™" YEAR OR LONGER MATURITIES, INTEREST IS  PAID OUT EVERY 6 MONTHS.";/@,™" MOST MUNICIPALSALSO HAVE CALL PROVISIONS, ALLOWING THE ISSUER";^@1™" TO BUY BACK THE BONDS AT A LATER DATE."Ľ@6™"     MUNICIPAL BONDS ARE TAX-EXEMPT FROMF
T TO";Ů2
™" LOCAL, STATE,AND FEDERAL TAX-ES."ă2H
80003M
™"Ÿ***BOND FUNDS AND UNIT TRUSTS***"X3R
™"     A BOND FUND IS A MUTUAL FUND SPEC- IALIZING IN CORPORATE"; 3W
™" BONDS. THE  BONDS ARE BOUGHT AT NET ASSET VALUE(NAV) LESS ANY ";á3\
™"CTY   B=RISK   C=RETURN ON  INVESTMENT";>đ™"   D=TAX SHELTER?   E=MIN IN- VESTMENT   F=GOOD RETIREMENT ACCT?"
>80000>	™"Ÿ***TAX-EXEMPT BONDS***"y>™"     TAX-EXEMPT BONDS ARE ALSO KNOWN AS MUNICIPAL BONDS. THESE";Ä>™" BONDS ARE ISSUED RAISE MONEY.";1ó™"THEY PAY INTER-EST SEMIANNUALLY. THE BONDS ARE TRADED  AT ABOVE";M1ř™" OR BELOW FACE VALUE. BONDS MAY HAVE A CALL PROVISION, ALLOWING ";—1ý™"THE ISS-UING CORPORATION TO BUY BACK THE BONDS  AT BELOW THE CURR";Ţ1
™"ENT SELLING PR  D     E    F"ă;Ă™"TAX-EXEMPT    1  2   3   YES  1000   NO":™"    BONDS"!<Í™"TAX-EXEMPT    2  2   3   YES  1000   NO":™" BOND FUNDS"`<Ň™"TAX-EXEMPT    2  2   3   YES  1000   NO":™" UNIT TRUSTS"<×™"DEFERRED      1  1   3  SOME  5000   NO":™" ANNT TO BUY OR SELL SO   THAT BUYING AND SELLING FEES ARE ";7/ž™"CONSID-ERABLY HIGHER. THEY SHOULD BE HELD TO   MATURITY FOR THE BES";I/Ł™"T BENEFIT."l/¨™"INTERNATIONAL AGENCY BONDS"ą/­™"    THESE BONDS ARE ISSUED BY WORLD AID & DEVELOPMENT BANKS"E FROM GNMA'S IS FULLY TAXABLE.  THERE IS NO REDEMP";:=™"TION WHEN THE  CERTIFICATE MATURES. THEY WILL TYPICALLYEARN ABOUT";d:B™" A HALF PERCENT MORE THAN A   10 YEAR T-BOND. YOU WILL TYPICALLY";Ś:G™" LOSE A FEW PERCENTAGE POINTS IF YOU SELL THE C FUNDS***"ŕAr™"     TAX-EXEMPT UNIT TRUSTS AND BOND    FUNDS OPERATE ON SIMILAR";(Bw™" PRINCIPALS.THEYBUY LARGE QUANTITIES OF HIGH QUALITY TAXEXEMPT ";qB|™" BONDS AND SELL SMALLER PORTIONS TO INVESTORS,TYPICALLY IN $1000";˝B™" CERTIFI-CATES.THE IT BACK BEFORE";ç7ň
™" MATURITY PAYING OUT A LOWER REDEMPTION VALUE."ń780008™"Ÿ***GNMA CERTIFICATES AND FUNDS***"f8™"     GNMA STANDS FOR GOVERNMENT NATIONALMORTGAGE ASSOCIATION";ą8™" WHICH IS A FEDERAL AGENCY THAT BUYS GOV'T INV˙˙˙
VER, THEY MUST";6c™" USUALLY BE IN AMOUNTS OF $500 OR MORE.  YOU MAY ALSO TELEPHONE";fh™" THE FUND AND HAVEMONEY WIRED TO A BANK."Żm™"    MONEY MARKET FUNDS ARE NOT INSURED. HOWEVER, THEY ARE STILL";âr™" CONSIDERED VERY SAFE BY FINANCIAL EXP	™"Ÿ***BANK SAVINGS CERTIFICATES(CD'S)***"@$j	™"     BANK CD'S ARE VARIABLE TERM SAVINGSCERTIFICATES  WITH  VAR";Œ$o	™"IABLE  INTEREST  RATES SET BY THE BANK.TERMS MAY BE FOR  32 DAYS OR";Ö$t	™" MORE,AS LONG AS 8 YEARS. IN- TEREST RATES ARE SIMIASURY NOTES***"#"	™"     U.S. TREASURY NOTES ARE GOVERNMENT SECURITIES WITH FACE ";k"	™"VALUES OF $1000. T-NOTES MATURE IN 1 T0 10 YEAR TERMS. TWO YEAR";ł"	™" NOTES ARE AUCTIONED OFF MONTHLY,   LONGER TERM NOTES QUARTERLY."ý"	™"INTEREST IS PAID
***INTERMEDIATE-TERM BOND FUNDS***"3&Î	™"    INTERMEDIATE-TERM BOND FUNDS REQUIREA MINIMUM INVESTMENT OF";}&Ó	™" $1000 TO BUY IN-TO THE FUND.THE FUND INVESTS IN  BONDS  AND PAYS";Č&Ř	™" THE INTEREST TO SHAREHOLDERS   LESS EXPENSES OR LOADS(FEES).I™" BOUGHT IN 91 DAY,6 MONTH,9 MONTH,OR 1 YEAR MATURITIES.  T-BILLS";> ą™" ARE SOLD IN $10,000 VALUES ONLY."‡ ś™"     T-BILLS ARE SOLD IN DISCOUNT FORM. YOU PAY $10,000 FOR THE";Ň ť™" BILL AND THE    FEDERAL RESERVE IMMEDIATELY ISSUES YOU ACHECK Fć'ń	™" FLUCTUATE WITH MARKET CHANGES."đ'(
8000ů'ˇ‰3008(¸™"“ž         LONG-TERM INVESTMENTS          ":X˛1¤1000:‚c(™"            SUMMARY TABLE        "‘(Ě™"             A   B   C    D     E    F"Í(Ń™"U.S.TREASURY 2   2   3  SOME  1000  YEHE BONDS CANNOT BE REDEEMED FOR 6 MONTHS AFTER PURCHASE.";Z\™" IF THE BONDS ARE REDEEMED BEFORE THE 5 YEAR TERM, THEY   EARN LESS";¤a™" THAN THE 7.5% MINIMUM BASED ONA SLIDING SCALE FROM 5.5% TO 7.5%.";íf™" THE  INTEREST EARNED ON SAVINGS BONDS NIT TRUSTS"*ę™"ZERO-COUPON  1   2   3    NO   250  YES":™" SECURITIES"E*ď™"GNMA         2   2   3    NO 25000  YES":™" CERTIFICATES"t*ô™"GNMA FUNDS   2   2   3    NO  1000  YES"š*ţ™"Ÿ         0=LOWEST  3=HIGHEST"Ő*™"A=ACCESSIBILITY   B=RISK =LOWEST  3=HIGHEST"&™"A=ACCESSIBILITY   B=RISK   C=RETURN ON  INVESTMENT";n™"   D=TAX SHELTER?   E=MIN IN- VESTMENT   F=GOOD RETIREMENT ACCT?"x480009™"Ÿ***U.S. SAVINGS BONDS***"ă>™"     U.S. SAVINGS BONDS ARE ISSUED AS EESERIES BEARS. MARKET VALUE OF THE BONDS";!,0™"DEPENDS ON THE CURRENT INTEREST RATE VERSUS THE BOND ISSUE DATE";j,5™" INTEREST RATE.  THEIR MARKET VALUE MAY BE HIGHER OR LOW-ER THAN";„,:™" THEIR FACE VALUE."Ď,?™"     TREASURY BONDS PAY A FIXED RETURN  (CERTS."칍8000őω3004Đ™"“        BOND'S, NOTES, AND CD'S         ":X˛1¤1000:‚_Ú™"            SUMMARY TABLE        "Žä™"             A   B   C    D     E    F"Ęé™"U.S.SAVINGS  1   0   2  SOME    25  NO":™"    BONDS"î™"U.S.TREASLAR TO THAT OF";"%y	™" T-  BILLS AND NOTES. PENALTIES FOR  EARLY   WITHDRAWAL ARE 31 DAYS";k%~	™" INTEREST  FOR  1 YEAR OR LESS CD'S, 90 DAYS INTEREST FOR OTHERS."°%ƒ	™"     BANK CD'S ARE INSURED AS ARE ALL   OTHER BANK DEPOSITS."ş%Ä	8000é%É	™"Ÿ
 AUTOMATICALLY BY CHECK TO THE OWNER SEMIANNUALLY."E#	™"     UNLIKE T-BILLS, T-NOTES MAY BE SOLDTHROUGH BROKERS WITH NO";b#	™" INTEREST PENAL- TY.";Ť#$	™" ADDITIONALLY, INTEREST ON T-NOTES ISEXEMPT FROM STATE AND LOCAL";ş#)	™" TAXES."Ä#`	8000ö#eNTER";'Ý	™"EST ISREINVESTED ALTHOUGH SOME ALLOW CHECKS TOBE WRITTEN FROM";+'â	™" THE FUND($500 MIN.)."v'ç	™"    THESE FUNDS MAY BE CONSIDERED AS    MORE AGRESSIVE ALTERNATIV";ż'ě	™"ES TO CD'S AND SAVINGS BONDS. THE INTEREST RATES, HOW- EV˙R,WIOG"!OR";!Ŕ™" THE AMOUNT OF INTEREST THE    BILL WILL EARN.AT MATURITY TIME, YOU";h!Ĺ™" RE-CEIVE YOUR $10,000 BACK. IF YOU SELL THEBILL BEFORE MATURITY,";Ť!Ę™"  YOU  RECEIVE $10, 000 LESS THE AMOUNT OF INTEREST EARNED."ľ!ü8000Ű!
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™"NOW ACCTS    3   0   1    NO   500  NO"™"SUPER NOW EST"/)™"A=ACCESSIBILITY   B=RISK   C=RETURN ON  INVESTMENT";w.™"   D=TAX SHELTER?   E=MIN IN- VESTMENT   F=GOOD RETIREMENT ACCT?"‚L 8000Ž°™"Ÿ***PASSBOOK SAVINGS ACCOUNTS***"öľ™"    FOR MOST OF TODAY'S INVESTORS, PASS-BOOK _AVOBÔ˙˙˙˙COUNTS WHICH PAY UP TO 5.5%";Q™" INTEREST. THEY MAY BE BETTER THAN REGULAR CHECKING ACCOUNTSFOR";’#™" SOME PEOPLE. THEY OFFER UNLIMITED   CHECKING BUT IMPOSE";Ô(™" EITHER HIGH MINIMUM BALANCES OR HIGH TRANSACTION CHARGES."Ţn8000x™"Ÿ A $5-$10   MONTHLY FEE IS LEVIED ON THE ACCOUNT."d‘™"     THE INTEREST YOU RECEIVE ON A SUPERNOW ACCOUNT IS LOWER THAN";Ž–™" THAT GIVEN BY BANK MONEY MARKET ACCOUNTS. SUPERNOW AC-COUNTS ARE";ö›™" FOR PEOPLE WHO NEED QUICK AC-CESS TO LARGE AMOUN OF $2500 TO EARN THE POSTED IN- TEREST RATE.  THE BANKS SET THEIR";gđ™" OWN   RATES AS OPPOSED TO MM FUNDS WHICH MUST PAY OUT";—ő™" ALL INTEREST THEY EARN AFTER EX-PENSES."ßú™"     BANK MM ACCOUNTS ALLOW 3 CHECKS PERMONTH TO BE WRITTEN FOR";#"	%™"              "3	&™"              "M	'™"              "€	(™"F1’ TO LOAD INVESTMENT ANALYZER"­	2™"F7’ TO LOAD STOCK OPTIONS"Â	<ĄA$:‹ A$˛"" § 60×	=‹ A$˛Ç(133) § 70í	>‹ A$˛Ç(136) § 100ö	?‰ 60
F—LENDS THE MONEY TO OTHERINSTI";KO™"TUTIONS. THE INTEREST THE FUND  RE-CEIVES IS PAID OUT TO THE DEPOSI";dT™"TORS AS DIVIDENDS.§Y™"    MOST FUNDS REQUIRE A MINIMUM DEPOSITOF $1000. YOU MAY";î^™" WRITE ANY NUMBER OF   CHECKS FROM THE FUND;HOWE-	á™"ŞŞ  Ş ŞŞ  Ş     Ş  Ş Ş   Ş Ş   Ş  Ş  Ş "\	ć™"ŞŞ  Ş    ŞŞŞ ŞŞŞ  Ş Ş   Ş ŞŞŞ Ş  Ş  Ş "“	ú™:™"$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $":™"’"Á	˙™"  ŞŞŞ ŞŞ  ŞŞŞ ŞŞŞ ŞŞŞ ŞŞ  Ş Ş ŞŞ  ŞŞŞ "ď	
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‹A$˛"7   3   0   2    NO  2500  NO":™"ACCOUNTS"[™"BANK MONEY   3   0   2    NO  2500  YES":™"MARKET ACCTS"”™"MONEY MARKET 3   1   2    NO  1000  YES":™"FUNDS"Ι"PASSBOOK     2   0   1    NO     0  NO":™"SAVINGS"ô$™"Ÿ         0=LOWEST  3=HIGHCOUNTS";>ş™" ARE A POOR CHOICE FOR MONEY INVESTMENTS. BY LAW, THE MAX- IMUM";‡ż™" INTEREST RATES ARE 5.25% AT COMMER-CIAL BANKS,AND 5.5% AT S6L'S";ĄÄ™" AND SAVINGSBANKS."™"Ÿ***BANK NOW ACCOUNTS***"	™"     NOW ACCOUNTS ARE CHECKING AC	***BANK SUPER NOW ACCOUNTS***"N}™"     SUPERNOW CHECKING ACCOUNTS PAY MORETHAN 5.25% INTEREST";—‚™" BUT THE RATE IS SET BY THE BANK ITSELF. YOU MUST MAINTAIN A MIN";݇™"IMUM BALANCE OF $2500 OR THEINTERESTRATE IS REDUCED TO 5.25%";Œ™" AND
TS OF CASH AND"; ™" NEED  UNLIMITED CHECKING.""ҍ8000JÜ™"Ÿ***MONEY MARKET ACCOUNTS***"“á™"     BANK MONEY MARKET ACCOUNTS ARE THE BANK'S ANSWER TO MONEY";Ýć™" MARKET FUNDS(COV-ERED NEXT). YOU MUST MAINTAIN THE LEGAL MINIMUM";(ë™"˙™" ANY AMOUNTS.THEYALSO ALLOW NON-CHECKING WITHDRAWALS.BANKMM";A™" ACCOUNTS ARE INSURED."K68000o@™"Ÿ***MONEY MARKET FUNDS***"ľE™"    MONEY MARKET FUNDS ARE LIKE STOCK   MARKET MUTUAL FUNDS.";˙J™" YOU BUY INTO THE   FUND WHICH THEN 
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—53281,0:—53280,23
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ü™" REPORT.":™_
™"THESE ARE AVAILABLE FROM YOUR LOCAL     LIBRARY OR BROKER."i
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SESSMENT":™	–ĄQ$:‹Q$˛""§150-	 ‹Q$˛"1"§1000>	Ą‹Q$˛"2"§2000O	Ż‹Q$˛"3"§4000`	š‹Q$˛"4"§5000i	ȉ150s	č™"“"ż	í™"IN ORDER TO EVALUATE THE CURRENT FINAN- CIAL SITUATION OF A COMPANY";
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