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Custom Hairpieces Only. Call STUDIO Hair Replacement Center APPOINTMENTS 649.3888 80 Friday, April 24, 1987 737-0010 Maple Just E. of Farmington Rd. next to E.G. Nicks • • • • • • • INDEPENDENT DISTRIBUTOR The Dating Program Main Level, Suite 107, Troy, Michigan 48084 • • • •• • • • Ak • compact discs • audio, video blank tapes •• vhs movies • all movies 75' to $3.25 HERBALIFE LO-LA • 3001 W Big Beaver Rd. at Coolidge • • • Call or write Claire Arm Mildred Rosenbaum • • • • VDE07;711k iamr • • • • • • • • Aft John W. Mallia Hair Technician THE DETROIT JEWISH NEWS CALL ME FOR PRODUCTS HILDA RASKIN 522-2020 ALAN G. YELENSKY "You're a financial plan- ner?" "How much do you charge, are you expensive?" When I describe the type of work I do, more often than not, these are the first ques- tions that are asked. Financial Planner? "What is their function?" "How do they get paid, what proce- dures are used?" Does it work for everyone, is it a one time service?" "Is it on going; what procedures are used?" These questions concern most people who are in- terested in protecting their personal financial status as it concerns their wealth ac- cumulation, preservation of capital upon death, proper distribution of assets. In the fall of 1981, John Platt of northern California, replaced the oil burner in his 19th Century colonial home with a new energy-efficient model. The price tag, includ- ing installation, came to $2,500. "It was a lot of money," said Platt. "But I de- cided the investment was too good to pass up." Platt figured he saved $406 in the first year; "compared to Treasury Bills," said Platt, "It was a lot better off with the new oil burner." Platt hit upon an impor- tant key to financial success. Managing money by seeking out opportunities for "yield efficiency." With this key idea as a starting point, one may wish to investigate a financial planning service called "Per- formance Planning." Basi- cally, Performance Planning shows you how to recover some of the tremendous wealth that passes through your hands over a lifetime, money that is either spent unwisely or lost to taxes and inflation. To accomplish this re- covery, you need a thorough analysis of where your money is currently going. In most cases, money left over after everyday expenses ends up in of three places: The World of Protection, The World of Sav- ings, The World of Growth. The protection world in- cludes auto and homeowners insurance, Social Security, hospitalization and disability Alan G. Yelensky is president of Alan G. Yelensky and Associates and is associ- ated with the Detroit Finan- cial Group in Southfield. income protection along with life insurance, wills and trusts. We will need most of these things. Life insurance and trusts, besides servicing as protection vehicles can be important sources of savings and income. The second world, savings includes passbook savings ac- counts, money market funds and tax sheltered savings of various kinds. All vehicles in the savings worlds offer yield and safety, but some have higher yield efficiency by offering higher earnings and tax_ advantages. For instance, money mar- ket funds currently pay higher interest rates than do regular passbook savings ac- counts. IRAs and other tax- favored plans can offer good returns along with tax sav- ings. In the growth world, the element of risk becomes a factor. This world includes municipal bonds, blue chip stocks and tax-favored growth vehicles. In growth vehicles, money has a higher yield efficiency in some forms of investments than it does in others. Assets in government bonds are the safest with reliable returns when interest rates are stable. Stocks have the potential for greater return along with the risk of loss. Tax advan- tage investments offer tax savings along with the poten- tial for gain or loss. Ideally, you need to put money in each of the three worlds. The challenge is to position every asset for maximum yield efficiency. With performance planning, your financial planner can work out a program based on your resources and needs, coordinating your money management decision so your assets are positioned in a way that meets your needs and your risk-return objectives. Hilton To Host Makeup Workshop Novi Hilton and Jeffrey Bruce, guest host on Kelly and Company, will present a two-day overnight workshop at the Novi Hilton for women interested in hair styling, makeup applications and sec- rets to glamour May 17 and 18. There is a charge.