Attention Investors:

Here's Your Solution To
Tax-Free Monthly Income

For decades, investors have purchased municipal bonds for their safety, security and
tax-exempt income. Now, Morgan Stanley Dean Witter National Municipal Bond
Check-A-Month Portfolio (M-Camp®), offers you the opportunity to own a diversified
portfolio of high-quality municipal bonds.
"M-Camps" are professionally selected portfolios of six individual municipal bonds
providing monthly income. Most of the individual bonds are rated "AAA," the highest rat-
ing assigned by Moody's and Standard & Poor's. Although the bonds are purchased togeth-
er, they may be sold individually or collectively at any time.
• Attractive Tax-Exempt Yields
• Monthly Tax-Free Income
• Diversification
• High-Quality Securities
• No Annual Fees
• Daily Liquidity*
By purchasing six different issues -with alternating coupon payments, you receive
monthly income that's tax-exempt. This income is free from federal taxation and in most
cases free from state and local taxes as well. For more information on Morgan Stanley
Dean Witter M-Camps, call the number below [or send in the coupon for details].
100 West Big Beaver Road, Suite 500
PAUL A. TOBY
Troy, MI 48009-4690
Vice President, Financial Advisor
800-776-8282 248-680-2243
Retirement Planning Specialist
248-680-0970 Fax
pau 1 _to by @ 111 s thy. com

MORGAN STANLEY DEAN WITTER

* If bonds are sold prior to maturity, prices may be higher or lower than the original
purchase price and actual yields may be higher or lower than the yields stated when the
original investment was made.

Dean Witter Reynolds Inc. is not a tax advisor Investors are urged to consult with their
personal tax advisors regarding the effects of the new legislation on their situation as well
as the tax- consequences of any investment decisions they may make.

Morgan Stanley Dean Witter is a service mark of Morgan Stanley Dean Witter & Co. and services are
offered through Dean Witter Reynolds Inc., member SIPC. © 1998 Dean Witter Reynolds Inc.

ATTN: Paul A. Toby

Morgan Stanley Dean Witter
100 West Big Beaver Road. Suite 500
Troy, MI 48099-4690

❑ YES, I am interested in consistent, reliable, monthly tax-free income.
Please send me more complete information on the Morgan Stanley Dean Witter
National M-Camp. I will read this information carefully before I invest or send money.

Name

Address

State

City

(

Zip

)

Home Phone

Business Phone

Relax! Your loved
one is in good hands.

Incumbent discusses
issues facing state lawmakers.

JILL DAVIDSON SKLAR
Special to the Jewish News

A

booming economy is usually
a cause for celebration, but
not for Joyce Keller.
Keller, executive director
of Jewish Association for Residential
Care (JARC), said that better pay in
other jobs has been luring direct-sup-
port professionals away from key jobs
in her Southfield-based organization at
an alarming rate.
"It is a crisis," she said. "We pay our
housekeepers better than we pay the
people who take care of our children
and our elderly."
That is why the issue has become
hot for candidates in the general elec-
tion on Tuesday, Nov. 7. In the 36th
district, this is especially true.
Southfield and Lathrup Village, the
cities covered by the district, have a
rising number of elderly residents,
some of which rely on the services of
these workers for hygiene aid, cooking

and feeding services and other essen-
tial care.
Nancy Quarles, the Democratic
incumbent in the 36th district, said
she would seek to add benefits for
health-care workers.
"I would look for initiatives that
would help health-care facilities by
providing benefits to the health-care
providers and service workers that
would offer opportunities for acquir-
ing enhanced skills and education, an
other incentives," she said. "I would
like to see programs that combine
state and federal dollars that might
provide an educational tax credit to
health-care workers that pursue
advanced careers in the health-care
arena, especially those who work with
the frail and elderly."
Quarles' opponent, Republican Mel
Palmer, did not return a questionnaire
or phone calls about the issues.

If you're responsible for the care of an
adult loved one at home, you know all
to well time away is precious.

Heartland Health Care Center
West Bloomfield

Skilled Nursing and Assisted Living
6950 Farmington Road

West Bloomfield, MI 48322

248.661.1700

Heartland Health Care Center
Georgian Bloomfield.

Skilled Nursing, Assisted Living
and Alzheimers Care

2945 North Adams Road

Bloomfield Hills, MI 48304

248.645.2900

Marvin and Betty Danto
Family Health Care Center

Skilled Nursing and Alzheimers Care

4314

6800 West Maple Road

10/20

248.788.5300

2000

28

On the JCC Campus • West Bloomfield

Owned & Operated by HCR ManorCare

Heartland's respite/vacation program
gives you the opportunity to take a
break from these demands. While
at Heartland, your loved one will
be welcomed into our facility
which features a friendly,
attentive staff, tasty meals and
activities. you'll have the added
serenity knowing your loved
one is receiving around the
clock professional care in a
secure and comfortable
environment designed with
the health, safety, and well-
being of our residents.

Whether you use respite
care on a regular basis,
or just for a special
occasion, call to learn
about our short stays and
affordable rates.

Candidate shares her
civic, communi
involvement

The Incumbent: Nancy Quarks, a
17-year resident of the 36th district
(covering Southfield and Lathrup
Village), has been married for 17
years.
Quarles received a bachelor of sci-
ence degree from the Universiq of
Detroit-Mercy and a master of arts
degree from Central Michigan
University. Representing the distxict
for the past four years, she has also
served one term as Oakland County

commissioner.
Quarks has hosted forums in
Southfield to promote education
and awareness of senior issues and
assist in solving some of their con-
cerns. She also has hosted a series of
cable television programs with high
school students on issues of impor-
tance to teenagers and young adults.

