BUSINESS/FINANCE
i
re often the
In a divorce, negoti ting without
a lawyer i unwi . If your ts
re minim 1 nd you h ve no
children, getting divorce can be
imple. ou hould not ccept
ttlement offer without kno ing
all the facts. And to get th f cts
your I wyer may have to ubpoena
your po e' pe onal nd b i
ne financial records, take deposi
tions and audit tax returns. For
The newe t trend in divorce law
i the claim that profes ional de
gree or license can be considered
marital property and it value
divided in a divorce. In on case,
woman claimed a fair hare of the
pre ent val ue of her husband'
medical license. She eventually
Chari Ro is the 0/
nationally syndicated rtJdio pro
gram "Your Personal FiNI1tce" tDUl
1M author o/The But O/YOIU Per
sonal Finance.
UP
In packaging divorce ettle
ments couple have focused on the
major family se ,like the house.
It traditionally h gone to the wife,
attha
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IN PI'1E 0 the fact dB
neither Clinton or Blah have
� tmn any irdcation ttBt
tI¥:y will do � spedfic k>
belp our plight, misguided esmb
�hment�rientd Blacks will fJ>
a1o�inOlduk) iF'alo�withwlllt
the party dcaaS.
Not seeing a dinI:' wol1h m
diffen:nc% between the caOOidaa,
or treir parties' net worth resul
toward African-American
progress, gullible Blades will (3t
their elccDal ballot � same way
that �y've been C$Ung �
emIlXJlic ballots. buying ink> the
sans quo,
Altmugh still <Xl the 0UISidc
� in. BIadm aIm't scdq
any collective change in the
American ituation. The only
chaqF' Badcs sean m wart'
be1a'aimiIadon. 11is�
of Afriam-AIIK2iams <D1Iime b
go aloog with the they iF'
frcm the saau qeo ml slow m
signs -of seeking chqes kJw8Id
betaermenL We Ia::q> elcding the
same oongrcsspcople, � mId
ing them �le for�
00rne some b8axl k> our disttids.
In our urban dties we keep elect
ing the same Blade mayors, �
a&r time, even tOOugh they've
� ro more than regally preside
over oommunitics that are beam
ing a living hell of violence,
de�riomtipg tae, streeW, scwetS,
am In.unan valla.
Am we woefully keep spml
ing our eammic t.lk* fir pcB
we see on T.V., while anadri� ro
strings. for reciprocity with pur
chB=s. Now we will whinlsiallly
buy into � 10«:0000 SOlD1 birs
that Madison Averu: will �
for 1Mb m:l Slick Willie.
A VISIONARY CHANGE
for Blades oould b� [OOh: a vi
able Black political party; cdledive
• kJW8l'd elective office term
limitatiom; demarxts for rqJU'8-
tions; rebuilding of our publiC
i�tructures; aIX1 quantitative
agree� for � ap
�n&s in � prtSidenrial ad
ministration aOO i .-mes.
Who in the current estab
mllrmll, Blade orwbit; B loo�
out for "our affailsT' A cwmc rl
dlqc aroong Blades will be il-
1lSlU!d by (U � ttBt
Republialm 8IX1 Detma1lb do
�m>reform thanjmttalk.
Ma;t Blades stilllikc the UItLB
quo, �doo'tdemml�
from office lddeIs odI2' 1ban "the
� old st14" RdrJ'than initiat
ingchlqJ; nmtmaiIJ;trc8mBlack
"Ieadets" are blppywith �Estab
lMment' m1 � of 1lI2r Ddt
pri2rd posscsi<n are picUes m
�m with BlBh, Qinkm, m1
Smltt Him, <r �
Her.
� elllJ'm:C eX H. Rts Perot
m.> � campaign will fFlbo1bpar
ticss�mJ�aniI*ftst
ing roove 00 the sIatl8 qoo ttBt
BladcssbJuld mit with � A
pJlmll cap�t, Perot' presiden
tial bidwill rnalccall Americans 18Icc
ooee that, "�b\Ii' of �
is �." � rne8!I8lF Perot
pltSCn oould have wide �
aat& w� aOO Black AImiCa,
aM put � oountry ,on a �
path kJW8l'd � agam.
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are an independent contractor
with one major client - your
employer. Allocate time so that
you not only meet the demands
of your client but 1 0 have room
to develop pects of your busi
ness that you see u �Sl8ry for
your own future growth.
- Sep rate wor and play.
Taking work home isn't taboo.
Doing it all the time is. If you
have a heavy workload, alternate
evenings of intensive work and
intensive lei we. Take your bob
bie and leisure activities as
eriously a you do your work
Frustrated at wnrk? You can
complain that you're over
worked and underp id - or you
can start changing thing .
If you resent your job because
you can't afford to quit, it may
be time to prepare an up-to-date
resume, take a weekly glance
through the help .. wanted ection
or make ome visits to industry
function where low-key net
working can take place.
You also must a sume
re ponsibility for your own
situation and learn to manage
your environment - not let it
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To start, break YOl:Jr i�eal job
into' the smallest possible parts.
MUSic South Corporation (MSC) recently presented the 3rd annual Tribute to Black History Month
at the Atlanta Civic Center. Featured in this musical tribute were the African American Philhar
monic Orchestra and the Morris Brown College Concert Choir. The primfllY goal of MSC is to
foster an appreciation of jazz and classical music through the presentation of concerts, seminars
and techniques training. Pictured from leftto right are Dr. Calvert Smith. President of Morris Brown
College Therman McKenzie. President of McKenzie Masonry. Miranda Mack of McKenzie, Coors
S.E. Regional Manager and Carlos James, Coors Field Manager. '
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control you. Here's how to get
started:
- Dream a little, plan a lot.
Richard Germann, a career
management consultant, often
tells unhappy clients to fantasize
about their dream job, then fig
ure out how to get there.
To start, break your ideal job
into the smallest possible parts.
Look for some "steppingstone"
goals what qualifications you'll
need to move up the ladder.
Consider yourself
autonomous. Imagine that you
and take the same kind of pride
in them.
- Change your attitude
toward co-workers. You don't
have to like the people you work
with, bu.t you should at least be
able to get along with them.
Don't worry that suddenly
striking up relationships with
people you have ignored will
come across as insincerity. You
are being incere in your efforts
to improve work relations - and
co-workers will notice.
Strategies
Money
By Chari . J. Given.
You have up to five years of equal
payments to pay back the loan.
Con ult the benefits director where
you work.
A gentleman from Boise, Idaho
uks: "I have a life insurance policy
from which I borrowed several
'thousand dollars. If I were to die,
would my beneficiary have to pay it
back?" Yes, in a roundabout way.
In general, you can only with
draw funds from a 401(K) plan
without penalties before age 59 1/2
if you are faced with financial hard
ship, and you still have to pay the
taxes. You must prove to your
employer that you can't meet your
financial needs through other
'sources, such as borrowing from a
bank. it is unlikely that paying off
credit cards will be viewed as an
emergency or financial hardship,
The good news is that you may be
able to borrow money from your
401(K) both tax-and penalty-free.
Seventy-five percent of 401 (K)
plans now have this provision. Any
interest you pay is paid to yourself.
Today I'll answer your que tions
concerning the 40 1 (K) vings plan,
taxes and life insurance. A financial
advice column increases its value
when it responds directly to the
i ue facing you and your family.
If you have a question write to your
new paper carrying this column.
Now for your que tion . An Ohio
woman uks the following: MI have
a 40 I (K) avings plan at work. I
contribute 4% of my salary and my
employer matches it. I want to with
draw some of my contributions to
payoff some Credit card debt. Can I
do this and should I?"
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Need Information about Businesses?
Call the Business INFOLINE!
There are over 9 million businesses in the U.S. - and finding
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when you need it fast. But now there's a way ... a revolutionary new
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Even telephone company directory assitance can't help you In
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Home in the City .
Franldln Bank . ally wants to hear from
you. Our rnot1B ipeClalllll will be Ilad
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Our Motta Assistance Hotline provides
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For further Off InbmatJon, call
Ruth Curtll, Franklin Community
I� DI 358-4710 x288.
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For.x.mpl •...
-Your BMW breaks down on thlllnterstlJte, and you ntHKI to know
If there's a dealer In the next town. -
-An out-of-town company Is trying to sell you vinyl siding for your
house, and you need more Information about them - how long
the company has been In business, and how many employe ..
they have.-
-You're planning a vacation In the P clffc Northwest and you
want to line up things for the k!ds �o do. So you ne.ed to "00 the
amusement parks and zoos In Oregon and Washington. -
-A friend g.ve you a tip th.t -Apex Industries- would be. good
stock Investment but you want to know more. What do they do?
What are their approximate annual sa/es?- .
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The Business INFOLINE is indispensable for home or officel And
the cost is only 3.00 for the first minute and $1.50 for each
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A 8eMoe of Arnertoln
Bull,... IrIormllllon
5711 So. QroIe,
am.n.. E .1-27
Diall�900-896-0000
Ask for Ext. # 214
Call 1-800-392-1616
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