YOUR FINANCES
Mltnukee. WI.
A. A.M. Best is an inde­
pendent ratings service for the
life insurance industry. A + su­
perior is their highest raing with
A exceUant being the lowe t
rating that is recommended for
castoeer usc. Any rating below
A excellant implie . that the
under lying ri k may not be
worth our while.
I
a
id·s all
dall
I
A A �upon bond is a
special type of bond that does
not pay interest un:. tures.
Zeros can be i ued by e u.s.
Government, State and Local
Governments, and Corpora­
tions. Zeros from municipalities
(state and local Government)
accumulate tax-free. Govern­
ment and corporate zeros ac-
f cUmulate fully taxable. They can
ment 0 the market has been be suitable for IRA's and
over the last 20 years.
Stocks on the over-the- children's education accounts.
counter (OTC) Index have out The major drawback with zeros
performed many other invest- is their liquidity and volitility. If
ments over the last 10 years, but you purchase a zero plan on
if you are not an investor who holding it to maturity for maxi-
t. le te ":L_ ide swi f mum benefit!.
can LO ra u.; WI swmgs 0 Joseph D. Phoenix, Jr., is a
this market, then e over-the- registered mpresentative with the·
counter or OTe small stocks are investment finn of McCarthy &
not for you! ' Associaus, Inc; of Chicago, IL
Q. What Please send all questions 'to P. O.
So d? T. E ew Orleans, Box 496-442, Oaicago, Illinois
LA.. 606490rcaJl312-736-6J10.
YOUR MONEY· TALKS·
. .
IMA GE FOR 1989
In order to bring success into
your life you must project a suc­
cessful image. That's right; you
have to project an image of suc­
cess before you actually achieve
the degree of uccess for which
you are striving. In other words,
we are talking about the impor­
tance of that powerful "first 10
seconds" or the "f1l'st impres­
sion." - The
simple fact of the matter is that
regardle of your image; sue­
ces will not be your unless you
are backed up by substance, a
good product or an above ser­
vice.
evertheless, the �ge you
project is very often the key that
open th door. An4 if that
door i not ope ed fir , you will
never get an opportunity to
demonstrate your substance,
great new product or above-
er e service. Let's face it.
Our re tionships ith the vast
majority of people' meet are
uperficial and very often tran­
sieat,
Thu , the vast majority of
people with which we must deal
from their opinions and impres­
sions quickly and almgst entire­
ly based upon the superficial
This is true whether it is the
banker from bom you are
trying to get a business loan or a
client to whom you are trying to
sell a product or service. It's
even true in our personal lives.
We are attracted to people who
possess certain qualities or at­
tributes.
Let's discuss some of those
attributes. The reason is
simple: Image talks! And if you
project the proper one and do
the best with what you got,
image can talk money and make
your 1989 a happier and more
prosperous one!
#1- ENTHUSIASM!
Projecting a positive en­
thusiasm about life is a powerful
weapon. Projecting enthusiasm
-means you give others the im-
pression that a) "I am glad to be
here" an b) "I'm the type of
person wh does not allow life's
problems to get me down.
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All the bove nd more are outlined in the B c Weall Buildinl
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tivitie . Great for individuals. clubs and mall busine owners. .
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In other words, projecting
enthusiasm means you ap­
proach life with a positive men­
tal attitude and energy.
#2- FACIAL EXPRES­
SIO ! If you are a legitimately
positive and energetic person,
then it shows on your face.
Remember, the first thing
people look at is your face, espe­
cially women who more often
than men win focus specifically
on the eyes. In terms of facial
expression practice two things:
a) smiling and b) communicat­
ing with your eyes. You must
know how to make your eyes
"talk". .
#3- NEAT, CLEA &
SMELLING GOOD! 0 great
elaboration is needed here. Just
remember that all three count
#4 - LISTEN! This is
something that a 10 of us don't
do enough of. Keeping your
eyes and ears open enab s you
to quickly pick up the mood and
per onality of the person or
audience with which you are
dealing. This is important be­
cause you will know how and
when to adjust your approach.
Now, let's change areas for a
moment Two of the most im­
portant tools you will need in
order to develop the type of win­
ning image yqu desire are a full
length mirror and tape re­
corder. The purpose is to
enable you to become a con­
structive critic of yourself by
learning to look at anlilisten to
yourself.
The mirror and the tape re­
corder allow you to practice
building the image you desire.
Use them to your benefit. Prac­
tice and prepare to project a
winning "Money Talks" image.
Your future success could
depend on how'well you do.
Ford otor
to pay
1 million
Ford Ordered To F Over AMUHon To H d
. Black: A California Superior Court awarded 52-year
old Carl Roberts a $1,045,000 cash settlement, in a case
that alledging that the former Ford Aerospa worker
was harassed and subsequently fired beca he is
lack. Whether or no Roberts will seIe a pe of the
settlement is another matter, particularly now that the
federal court has ruled that former employees may no
longer sue for punitive damages (just reinstatement
and lost wages) in the case of a wrongful dismissal At
any rate, Ford Aerospace, a subsidiary of Ford Motor
Co., is likely to appeal
Wayans Takes His Turn At Filmmaking: Hol­
ood eyes are on 3O-year old Keenen Ivory Wayans,
who wrote, produced and starred in "I'm Gonna Git
You Sucka". Wayans, who produced fellow Black­
pack member Eddie Murphy's "RaW', and was the co­
writer of Robert Townsend's much-talked about "Hol­
lywood Shuffle", was advanced S3 million from United
Artists to do the film. "It was an ina-edible steal for
t,be�" said Wayans. 'Working on a film like Hollywood
spume", which cost $150,000, $3 million goes a long
way." "l'm Gonna Git YouSucka" starring Wayans,Jim
Brown, Bernie Casey, Dawnn Lewis, Isaac Hayes, and
J a' et Du Bois, is an spoof f earlier blaxploitation
m.IDS. Adds Wayans, "I chOse-it because the genre, -
being the Black action films I ew up on, were ripe for
parody and' after seeing th success of "Airplane."
While Wayans film is not likely to gross Airplane's big
box office reeeip already the film.grossed $500,000
it's first weekend in jus five citi - -a most impressive
s owing for a limited engagement The nation's movie­
goers will now have an opportunity to say what they
think at the box office. .'
. BI -owned Inn Worry Abo '89 Oull of
Preferred Trea nt Programs: The Suprem Court
will soon decid whether or not cities awarding public
contracts can give preferred tre tment to minority­
owned firms. U Ii til now the court has been divided on
such issues. While breaking the barriers of the pre-ex­
istent (all-wjhite) "old boy" network, critics of the
program point to the fact that for every $1 million in
contracts, the city loses between $150,000 and $250,000
m extra program costs. Blacks have good reason to
be worried. Last year, programs in San Francisco,
Mi . an and Richmond, Virgina were declared un­
constitutional. A reverse decision could wipe out stale
and local minority programs throughout the country.
I
A 1 Fl· . t for B i tart-ups: If 19 is
the year you've d cided to strike out on your own,
here's an overview of what some experts feel are the
be t and worst choice . Waste management companies
and building service firms are good choices as well as
aerospace/defense-oriented fir . The outlook is like­
wise great for cable TV, industrial products and the
household and cosmetics industry. Commercial con­
struction and housing starts will be down, however
there will be an ina-ease in those industries catering to
the homeowner who wants to upgrade. Of risky busi­
nesses?: restaurants, office products, printing. and data
processing. (Note: while the outlook in health care is
mixed, there is a growing demand for rehabilitation
care.
Hi tory La on: Did you know that the most ex­
clusive shopping area in the nation - Rodeo Drive in
Beverly Hills - was once owned by a Black, who also
happened to be one of the founders of Lo Angeles. In
fact, of the forty-four founders of Los Angel , twenty­
six were Blac