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Cedar Rapids Gazette (Newspaper) - September 23, 1974, Cedar Rapids, Iowa 12 The Cedar Rapids Gazette: Mon., Sepl. 23. 1971 BIG GEORGE! Virgil Partch The Investo HEATHCLIFF (tain Shulskv Q For the last four years I have had modest invest- ments in the stock market and suffered losses. My question pertains to the service which ean be expected from a bro- ker. I have used two reputable firms, switching to the second one six months ago. In each case 1 was told that the serv- ice included periodic review of my account. In more than three years, one broker called me only four times not to recommend changes, but to sell me additional slock. In the last six months my new broker has not called me once. I'm disappointed. Do all bro- kers let their clients stumble along without advice? Does one get information only when 'you call them? A Right at the start I think it would help if we bore in mind thai brokers make a living from commissions on Population Density May Affect Human Behavior By Dr. S.L. Andelman I113F4 "I'm all for living in the a reader writes, "but my jwi' husband wants to. live in a small town. He says studies rjr show that country life is better for a person, that the city Andelman hustle and bustle does bad things. What do you say." llaLjalill As for preference, I'm with HHBb you a city dweller at heart. SlsSa. ?wHa But scientists share your husband's concern that population The dominant and aggres-density big-city life maj sive males became an elite have detrimental effects on group. They took up space in human behavior. the end cages and established r harems. The middle cages EIHc Group ral jn When discussing high-den- females grew progressively sity vs. low-density housing or 'css able to build adequate population, scientists always nests and raise offspring, refer to a classic study done in Infant mortality skyrocketed the late 1950s with laboratory in the ghetto cages, while the rats. John B. Calhoun of the mortality rate remained low in National Institutes of Mental 'he harem cages. Social and Health allowed rats to breed sexual behavior became freely and supplied them with extremely deviant and an abundance of food and Calhoun's rat population water. He called the conditon gradually declined, that resulted "pathological The most famous instance of togetherness." overcrowding among 111111 fefSr ABRIDGE Oswald James Jacoby Oswald: "Our code word ARCH should be a must for all bridge players. 'A' for Analyze the lead; 'R' for Review the bidding and 'C' for Count your winners and losers are important, but the nitty-gritty is the 'H' for How can I make the Jim: "South thinks his three notrump contract should be in the bag until he sees the opening lead and the dummy. The fact that the ace-king-qucen of hearts only represent two stoppers and that hearts were opened leaves the contract in considerable jeopardy." (D) 23 J 1043 TA2 6 A K 7 5 4 3 WEST EAST 4Q765 4K2 VJ10805 V9743 84 4- A 10 9 5 SOUTH A 9 8 K Q K Q .1 7 3 2 Neither vulnerable West North East South Pass 1 Pass Pass 3 NT. Pass Pass Pass Opening ead JV Physician Gets Prison Term in Medicare fraud PHILADELPHIA (UP1) A federal judge ignored a physician's pleas for mercy and sentenced him to a prison term, fine and probation on 84 counts of Medicare fraud. Judge Samuel Lord sentenced Dr. Pablo Chan, 44, of Huntingdon Valley, Pa. to 60 days In prison, a fine three years of probationary service and drug rehabilitation work here. "Doctors must realize that when they cheat Ihe government, they cannot go the judge said in imposing sentence. Before sentencing, Chan sobbed and pleaded for "mercy" and an opportunity to .serve the community. Lord said he did not wish lo ii'verely punish Ihe physician, who has been working in the Kensington section of (he city with alcoholics and drug addicts. A'len Specter, counsel for U'.: defendant, said Chan "succumbed to the temptation of Medicare applications." "He came here from the Phillipines, a young man of modest circumstances, who erroneously thought the streets were paved with Specter said. Assistant U. S. Ally. Victor Schwartz called for a prison sentence because the case was "so lemmings in Scandinavia. These small rodents undergo a mysterious cycle about every four years, in which they over-populate their habitat, migrate toward the sea and carry out mass suicide. During this migration, the lemmings are neurotic animals, according to some biologists who have studied them. Overcrowding In seeking an explanation for the strange behavior of animals in overcrowded situations, scientists have come upon what may be its cause massive endocrine dysfunction. It is now widely accepted that conditions of stress, such as those brought about by overcrowding, are likely lo result in imbalances in endocrine concentrations. If parallels can be drawn between mice and men (though many believe that this is not the consequences could be horrifying for mankind. Some scientists believe that man is already experiencing hormonal imbalances as a result of urbanii'ation and that these imbalances arc reflected in the rising incidence of psychiatric illness, violence and other social and medical abnormalities. Dr. Andelman welcomes letters outlining problems which he may discuss in future columns. He regrets, however, that he cannot personally answer mail. Write to him in care of The "He tries to counl to nine tricks. If he can score five diamonds that will be fine but thai requires a 3-3 suit break and the odds arc against it. Five club tricks are likely lo be there. Suits break 3-2 about 08 percent of the but five clubs plus two hearts and spade only come lo eight." Jim: "Then he finds his best chance. He wins Ihe heart in dummy and leads a diamond, "iast must duck and South has one diamond home. Now he abandons the diamonds; leads a club and ducks. Easl wins and clears the hearts bul Ihe clubs come in for Ihe game." JiSEZU- bidding lias been: 23 Vest North East South Pass 'ass Pass You, South, hold: K84 3 VA2 Q87 What do you do now? Bid four clubs and see what develops. TODAY'S QUESTION Your partner continues to four pades. What do you do now? Answer Tomorrow Oldest State House The Maryland state house, built in 1722, was briefly the seat of the Continental Congress. The structure is the jldest state house still in use. Expanded it now houses the jffiees of the governor and the state inferior des YOU WOULDN'T CONSIDER A OUR INTERIOR DESIGNER TO OUT THE PLUMBING OR WIRI YOUR OFFICE. THAT'S A JOB PROFESSIONAL IN HIS FIELD YOUR OFFICE OR RECEPTION NEEDS DECORATING, WHY CALL IN A PROFESSIONAL, LAWRENCE, OUR INI DESIGNER. HE HAS SOLUTIO MANY OF THE POTENTIAL LEMS INCLUDING COLOR C CARPETING, DRAPERIES, WAL ERING AND FURNITURE OF STYLES QUALITIES. OH WE DO MAKE OFFICE CALLS! ign TO LAFF A f' VK rA 1 Keith O. COV- Lawrence MANY f' Pioneer office products and service! 364-81 48 1239 First Si 131 _____ "Hcmcmber him bragging about hitting a hoincr? Well, I got a call from Mrs. Brown her son Homer. Sam Shulsky stock purchases and sales. In all (he recent turmoil over brokerage rates nothing has been said about paying a reg- istered representative for his advice. Let's say you paid about in commissions to buy for example 100 American Telephone and 100 U. S. Steel. Your "customer's man" re- ceived about of that. As- sume also that the you have already invested repre- sents just about the total of your invcstablc funds, as of now. Just what can you expect of that broker? He could proper- ly assume that given your age and investment goals these two issues are "right" for you, even though your account has lost some ground in recent months. Granting that is a lot of money to you, you must also ask your- self: How much time can he afford to devote to "holding your hand" with 100 Tele- phone and 100 Big Steel for earnings of a year or in two years, or three? Without knowing just how large an account you have, and how active you are in the market, I am not prepared to say you have been neglected. Curiously enough, there are more complaints from readers about having their accounts churned than there are complaints about being neg- lected. Personally, I feel that if yon got into the right stocks iu the first place, neglect is to be preferred to too much market activity. Q Where does one buy U.S. treasury and agency bonds? A At a securities broker- age firm or, in some cases, at your commercial bank. Q You mention earning 9 percent, plus, on a long-term investment. How? A By buying any of the recently issued AAA-quality corporate or treasury or U. S. agency bonds. Q 1 am a retired teacher, in my 80s, feeling the pinch of inflation. I have some income from utility slocks but am worried by the recent adverse news on utilities. A One way to increase in- come from your funds although it could mean con- suming your capital and leav- ing no estate would be to talk to a reputable insurance company, licensed to do busi- ness in your state, about a lifetime pension. At your age such an annuity would yield a generous amount monthly. Q I recently transferred from a two-year to a four-year savings certificate at a higher rate of interest, but found I had to pay a penalty even though the money remained In the same bank. Why? A Evidently the bank made no provision for shifting certificates. You have con- tracted for a two-year deal and then canceled that in favor of a four-year contract. 1 don't know the bank or its terms, but presumably it ruled that the cancellation of the two-year certificate meant a drop back to normal de- mand-deposit interest rates plus the loss of 90. days' in- terest. When you make such switches, argue it out first not later. Q _ I've been looking at utility shares which sell around 18 and yield 11 per- cent. Would it be safe? A Evidently the market is still worried about the outlook for utilities because the stock is down to 16 and now yielding 12Vi percent. SI'I.IT: Division of out- standing shares of a corpora- lion into a larger number. For example: A 2 for 1 split in- creases Ihe number of shares outstanding by UK) percent, Hiving each holder of 100. shares before the split a total of 200 shares thereafter. Mr Shulskv welcomes wrlticn ques- tions, bul he will be able to provide answers only through Ihe column. For lists ol growth and dividend stocks, please Include a self-addressed, slnmced envelope. Address your reai'esls to Som Shulsky, core of The Gazette. .4 J -til n Jo tvj, f
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