Cedar Rapids Gazette, November 18, 1974, Page 3

Cedar Rapids Gazette

November 18, 1974

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Issue date: Monday, November 18, 1974

Pages available: 48

Previous edition: Sunday, November 17, 1974

Next edition: Tuesday, November 19, 1974

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Publication name: Cedar Rapids Gazette

Location: Cedar Rapids, Iowa

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Cedar Rapids Gazette (Newspaper) - November 18, 1974, Cedar Rapids, Iowa The Crdar Rapids Gazette: Man., Nov. 18, 1971 Big George! Virgil Partch MARMADUKE By Anderson Looming The Investor's "I hale For Better Health Are the Most Common Birthmark By Dr. S.L. Andelman Molea are the most common birthmarks. Everyone has them. In fact, some of us might have 40 or more, though they may be on areas of the body where they aren't easily seen. Moles are generally thought of as small dark-brown spots that are either flat or slightly raised above the skin. But they may look quite different. They may be skin-color to pink, light-tan to brown and even blue-black. They may be flat or raised, large or small, with or without hairs, mottled or evenly colored. Benign Most moles are benign am will never be a threat to the health of the person who has Dr. Andelman them. However, sometimes what a person thinks is a mole is really a cancerous lesion. These are spots that do something out of the ordinary, acting differently from others on the body. It's a good idea to check any spot that: bleeds, itches or becomes painful; first appears when a person is past his teens or early 20s, or suddenly changes in size, shape or color. Doctors can easily differentiate su'ch growths from moles either by appearance or by removing part or all of the lesion and studying it under a microscope. If the lesion is cancerous, the doctor will remove it. If your mole is unsightly, you may wish to have it removed for cosmetic reasons. If it repeatedly becomes infected or is subject to trauma, remove it as a precaution. There's no evidence that these lesions, if simply moles, will become malignant, but it's best to remove them in case they are a cancer instead of a mole. Removal There are several ways to remove moles. They can be destroyed with an electric needle destroyed by heat or excised Robbery Pulled By 'No Lady' 1'JTTSBURGII (IJPI) Bill Arkhaty told police he was puzzled .when the two female hitchhikers he picked up tried to rob him and then forced him from his car. Police solved the mystery when they told him: "That was mi lady. That was Leroy a man. Arkhaty said he struggled will) Ihe two until he was struck in Ihe face with a flashlight. A passing police cruiser .spotted the suspects running from the car and captured one, Leroy Townsend, 21, nf McKeesport, who was wearing a miniskirt. Clean Homes Exactly 96.9 percent nf all homes wired for electricity have vacuum cleaners. surgically. The first two methods are preferred unless the mole is quite large, in which case plastic surgery may be required. Moles usually don't reappear onee they've been removed. However, consult your doctor if one does begin to reappear. If a mole contains a hair that is considered unattractive, the hair root can be permanently destroyed with an electric- current Often when this is done the mole will shrink and become less no- ticeable. By Sum Shulsky Q We're retired and wondering whether it would be cheaper for us to rent. A Obviously, without knowing any of (he financial details, there is no way for me to even guess. Putting aside any lax sav- ings derived from interest paid on a mortgage and from real estate taxes. I think a fair rule of thumb is that owner- ship of a house costs you roughly percent of its market value annually. If you own a home, free and clear, you must add the earning power of that to the expenditure of taxes, water, insurance, heat- ing, repairs. Since money to- day can earn about 9 percent, taxable, from highest quality bonds and, say, li percent from tax-exempts, one can see that the could bring in a year, clear or taxable, to that add the other expenses and it should be ob- vious that your "rent" runs to about or even more. If there is a mortgage on the house, your equity, of course, is lower, and so would be the amount your equity could earn for you. But then, you must add in the mortgage interest. Sarn Shulsky pieces. It isn't even the winter time." Q As far back as I can recall, financial experts have talked of common stock as an inflation hedge. For the past year or so, this has not been true. A Correction: It has not been true for the last six to eight years. For the period stock market appreciation ran far ahead of inflation and again from 1957 to 1961; and from 19B3 to 19S6. If you look at the market charts for, let's say, 1962 or 1966, or 1969-70 and again from the start of 1973 to the present, you will see thai stock prices fell all the time the cost of living was rising. Some "days" it doesn't pay to get out of bed. Q I'm attracted lo a stock which sells for only a couple of dollars but has a dividend of "80 1." This would seem lo he a very high return. A II isn't. In my records that "t" stands for the market value of a slock dividend. A stock dividend is nothing more than a slicing up of what you already own into smaller Q I would like income from my E bonds. Should I convert to H bonds, or cash in the Es? you switch to II bonds you will receive annually, on a 10-year average, ti percent of the full present value of your E bonds. This income wil'l lie subject only to federal income taxes. If you cash in part of the Es every year you will pay a federal lax on (he accrued interest included ill Ihe cash- in price. If you cash in all Ihe 10 bonds you will be subject to a federal lax on all the inter- est accrued. Only your accountant can tell you which is the best policy for you. (J I've heard that some brokers are offering bank notes paying 10 to II percent for six months. A I don't know to what you are referring. But it ought to be made clear that yields are given on an annual basis not for six months. Many good quality bonds today are yielding around the 9-HI per- cent level. Q I obtained II bonds by turning in E bonds. There is a figure written on the face of the bond. How does this affect (axes? A The represents the accrued interest in the E bonds on which you paid no income taxes. This tax liabil- ity is carried over onto the II bonds but you need not pay any tax on that accrued E bond interest until you redeem the II bonds or they mature. And that could be a long, long lime off. Q I recently attempted to buy slock but didn't succeed. Too young. If I can join the army, but on horses, anil vote in national elections, why can't I buy "lock until I am 21? A Because, financially speaking, you are a minor until age 21 and. therefore, the broker wants to protect him- self. However, I sec no reason why you can't buy via a cus- lodial account with one of your parents as custodian. Jusl as good. Mr Shulskv welcomes written ques- tions, out he will be oble 10 provide onswers only through Die column. For information 10 check on obsolete securi- ties, nlease include a sett-addressed, sldmiii'd erweloue. Address vour request to Sum Sliulskv. coro of The Gazette. "I wish you loved me a little bit By Oswald James Jacoby Jim: "I remember you told me once thai il was possible lo watch a man play jusl one hand and know that he was a good player." Oswald: "I think I put it the other way. Watch one bad play and know that he isn't good." Jim: "Maybe it works bolh ways. In any evenl I watched a young player handle today's four-spade contracl. He ruffed the third heart and proceeded lo play out his ace and queen of spades." Oswald: "That was certainly a good start. Most players would have retained the last of the three high spades in their own hand. After that (he 4-1 trump break would have led to a Iwo-triek set, provided East ruffed in on (he third diamond." Jim: "It became obvious that South knew what he was doing. He didn't even pause after West showed out on the NOHT1I 4 K73 V J86 A K Q 9 6 WEST EAST A 5 .110 9 2 V A K 10 4 V Q 9 5 3 1083 4> K 10 7 3 2 Q 9 5 SOUTH 4 A CJ 8 (i 4 J 5 4 East-West vulnerable West North East South Pass 1 Pass 'ass Pass Pass Opening f K South Pass The bidding has been: West North ICasl 14 Dble. Pass Pass 4V Pass V You, South, hold: 3 Q7 ,1 4 3