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 t •• rblu 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 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 � 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. , ... , '. 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 '. - '" . .' .... .. ': . " " -. '.�. , ' , " ..... 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. ' , . • 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. 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