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Cedar Rapids Gazette (Newspaper) - December 30, 1974, Cedar Rapids, Iowa The Guttle: Mon., Dec. 12 Driving Rules for Winter By SylvU Pwter NEW YORK This is not only the start of the must ex- pensive season of the year to own or drive a car but also the very worst season of the year for viciously costly accidents and mishaps being stuck in a snowbank, having your car break down in a commuter traffic jam, colliding with another because yours went out of control on icy roads, dozens of other Christmas-New Year's tragedies. Even if you live in the very few summer-all-year-round areas of our land, you are well aware of the high coat of being towed out of any spot plus the loss of huge amounts of time (not to mention harm to your body and Even if you just visit any BIG GEORGE! part the a ski laul, mist be well aware tf tke Ugk ctst hav- lig car tall tt start a freezlig mtralBg becaise yoi dMi't kiw start It. A no-start may mean a service call. Or it could mean having to invest in a new bat- tery at a cost of to or more. How can you hold down these winter driving costs? Here are 12 basic rules which can ac- tually save you enormous sums: (1) Start your car slowly and easily. As soon as your wheels begin spinning or sliding, they have lost more than half of their potential traction. (2) Stretch oat your follow- ing distances substantially. It takes nine times as much dis- Virgil Partch "Doctor, could you please hurry1.'" Sylvia Porter lance to stop un snow as it takes to stop un dry pavement. (3) Drive mare slowly In winter than in summer, test the surface occasionally by braking on a straight stretch with no cars near you. Don't jam on the brakes; instead, pump the brake pedal rapidly. (4) Since prevention Is more effective than any cures for getting stuck, fight the urge to drive downhill into a slippery place, such as a parking lot, it you're not sure you can get out. Find ways not to drive when conditions are really bad. (5) If yon do get stack, get out and look over the situation before you do anything else. You may find that scattering a handful of sand is all you need. (6) Another rule if yon do get stuck is to "rock" back and forth, going as far as you can forward before you start spin- ning, then reversing gears and repeating the process. This easy technique could avert having to call out a tow truck. (7) Turn your front wheels as little as possible when getting unstuck; they roll most easily pointing straight ahead. And use a snow shovel as an in- strument of prevention as well as a cure. A mere five minutes of shoveling can save you an hniir nf spinning (8) To get started on a cold morning, first turn off your car lights, radio and other acces- sories. This will increase the amount of electrical power available to your starter. Also, try not to use these when your engine is not running; they wear down a battery fast. (S) If di have trtible starting your engine, crank it no longer than 30 seconds at a time, with a minute or two of rest between times. Also, give up trying to start the engine as soon as it is evident it won't catch without some kind of repair. Running a battery down to zero charge drastically shortens its life. (10) Instead of wasting gas on prolonged warm-ups, start off slowly and increase your speed as Ihe engine warms up. Idling a cold engine creates pollution, fouls the spark plugs, clogs the engine with sludge, forms corrosive acids in the engine oil and dilutes Ihe oil with unburned gasoline. (Ill Be gentle when you're freeing wiper blades (exposed the rubber may lear if you abruptly pull them away from the windshield. Handle frozen recessed windshield- wiper blades with hot water. This trick also will work on exposed wiper blades but don't use it on a frozen lock the water will just freeze. (12) And carry an "emer- gency kit" to help you cope. Key items to include: A windshield scraper with snow brush; a small snow shovel; sack of sand in your trunk; tire chains; booster cables (but use only if you know exactly how or you can ruin your jack, plus flat board to use on soft surfaces, such as snow; flashlights, plus spare batteries; flares: winrNhiclrl de-icer; spray can of starting ether; gas line anti-freeze. Final note: another antidote for frozen gas lines is to keep vour gas tank us full as possi- ble. The Investor's Guide By Sam Shulsky Q I hope you can give me some help In evaluating a trust account I have with a bank. I'm a widow, with four children 14 through 23 and a trust account of which earns us a month. This has been adequate so far but with more college bills coming up I will need more money. I know you've talked about dipping into capital, hot I do want to leave the children their father's money. A To answer your last question first: Assuming you are somewhere in Ihe 45-to-55 age I agree that it would not be comfortable dipping into capital. Nor should you. In addition to the question of leaving money for your children is the prob- lem of leaving money for yourself. You are still young enough to see many, many years of inflation. So any discussion should be on the basis of preserving (and, hopefully, in- creasing) your capital. As to the bank's performance: It is cur- rently earning about percent on your capital. While this is substantially below the income which could be derived for exam- ple from AAA or AA quality bonds (a portfolio which, incidentally, would yield about a I am not going to quarrel with the trust managers because they have understandably lowered income sights in order to include investments which, classically, could be expected to yield growth over the long term. The fact that these invest- ments may have provided neither growth nor high income over the last half-dozen years does not make the goal or the formula invalid. Let's face it it's been a tough period in which to pre- serve capital. Even those who depleted equity portfolios in fa- vor of bonds have had to suffer from a rising interest rate. There simply has been no escape as witness the horren- dous losses suffered by some of our biggest, professionally- managed funds. Obviously, not knowing the exact portfolio, I can't get in- to any specific discussion. Nor would I be too eager to second- guess a big bank even if I had all the facts. I do think you should keep the trust department well in- formed of your needs especially as college bills begin to come in. I'm sure that more income can be gotten out of But it might mean sacrificing what the bank consid- ers good growth potential. However, there is no law which says emphasis can't be shifted a bit closer to the income side, without destroying long-term "prudent man" philosophy. Cheek-a-month income from bonds: A recent issue of Moody's stock survey presents portfolios of "A" quality, or better, bonds which would provide a check every month of the year. A shorter-term list includes: Ford Motor 7.40s of 1HHII. In- dianapolis and L. of '81; Genera! Foods 7V2s of .Southern Calif. Gas of '81; IVpsK'o of '81; and Searle of '80. In face amounts, each, the total portfolio cost is 'given as average monthly yield or 8.7li percent. A longer-term portfolio: General Foods of Bal- timore Gas and Elect. of 2004; Shell Oil (if 2000; Sears Roebuck of General Klectric of 2004 and PPG Industries !ls of Tola! investment average monthly income yield percent. The PepsiCo Moody rales all others are "AA" or "AAA." Q I am soon going to receive over from prop- erty taken by the slate. Where should it be invested while 1 am looking for other real estate? A I would spread It around among at least three feder- al agency-insured savings institutions so as to he imme- diately available. Treasury bills would be another possibility although if you needed (he money before Ihe bills matured you would have to sell on the open market, with no guarantee of whether you would have a profit or a loss. Mr. Shulskv welcomes wrltlen Questions, bul tie will he oblc to provide on swers onlv through the column. For lists of growth and dividend stocks, please include a sen-addressed, stomped envelope. Address vour reciuests to bom snuisk core of The WEAVER'S FINE MEATS 806 34th St. S.E. 365-8828 DOBSON'S FINE MEATS 1944 42nd St. N.E. 393-3007 LOCATED IN THE PDQ STORES MEAT DEPARTMENTS OPEN TILL 7 PM Open New Year's Day! WHOLE BEEF _ TENDERLOIN.. T9 COOKED HAM OR SO09 BABY SWISS CHEESE SPCCIALI FALSTAFF 12 Target stores are open New Year's Eve 9 am to 5 pm All Target stores closed New Year's Day Happy New Year! 0 TARGET Target Stores Incorporated WIN BRIDGE For Better Health Legs, Ankles, Are Nof The Mam Ski Injuries By Oswald James Jactby Jim: "Here is a hand from the May, 1940 Bridge World that doesn't prove anylhing, except that we don't need seri- ous bridge hands every day." Oswald: "The bidding is sheer whimsy. Once South started with two notrump lie was trapped, but he stuck by By Dr. S.L. Atdelmai Would you rather fracture an ankle or an arm'' Looking at reports on ski in- juries, you'd think someone asked skiers that question and found thsy'd rather hurt an arm than a leg. Twelve years ago nearly half of all ski injuries at Ver- mont's Ml. Snow were to the ankle. Now ankle injuries are just 16 percent of Ihe total in- juries while accidents Involv- ing the upper extremities the arms, wrists and sn mi are up 300 percent. Equipment A report in the Journal of the American Medical Assn. says modern ski equipment may be altering the pattern of ski injuries without improving the overall injury rate. Hard plastic boots that protect an- kles and improved release Dr. Andelman are experiencing an incidence of injuries per year." The coal of these Injuries ex- ceeds million annually. If you're a skier, there's a chance you'll suffer an injury while skiing someday and the Injury will probably be to your arm. So stay in shape, ski safely and learn to write Hours: Monday through Saturday 10 AM to 10 PM Sunday 10 AM to 6 PM 4501 First Avenue S.E. Across from Lindale Pleza NOHTII (Ul 30 AKJ982 V A J 10 K64 A32 WEST EAST AAQ10 A6543 KQ32 Q J 10 8 A 9 J.84 AS 5 SOUTH A 7 1097 East-West vulnerable West North East South Pass Pass 2 N.T. Pass 3 A Pass 3 N.T. Pass 5 N.T. Pass Pass Dble. Pass Pass Pass Opening lead-Q Unit Asks Trace of Lost War Reporters ZURICH (UPI) The International Press Institute says a new appeal is being made to help trace the 24 journalists missing in Cambodia since 1970. The IPI said its Committee of the Safety of Journalists on Dangerous Missions decided at its meeting in Paris to make the new appeal. The committee "appeals again to all governments and international bodies to help in tracing the fate of these men and women and ending the the IPI said. "It reaffirms its intentions to do its utmost to establish a sure form of protection for journalists carrying out their profession and to this end it draws the attention of the secretary general of the United Nations once again to the urgency of this the statement said. The missing journalists are from eight countries Australia, Austria, France, India, .Tanan Switzerland. U.S. mat protect me urn- ,h Tha[ er limbs have reduced sprains an arm and fractures of the ankle and you'll still 16 But it seems that the hands have one arm. and arms arc now taking the force of the fall. Or. Andelman welcomes let-Doctors from the Boston ters outlining problems he school of medicine compared may discuss In Mutt col-accidents at Ml. Snow 12 years umns. He regrets, hgwever, he ago with those in 1072-73 to cannot personally answer make their report. mall. Write U him In care of Experienced and intcrniedi- The than beginners dur- _____.-_. ing the '72-'73 season. The List doctors say this is probably because their skill permits them to ski at faster speeds y and on more dangerous yJKjfm'' Injury Risk Industrial "Despite all the advantages of the well-trained skier, his Apprmsols greater speed and greater r distance skied per day keep him at considerable risk of in- Rdy nllliamS Dr. Joshua Gutman "With a ski population of five million who average ten REALTORS 1 to 15 days of skiing per season 107 2nd St. SE I and an injury rate of perhaps five per skier-days, we Phone 364-8 1 2 his guns and didn't run lo six clubs." "West opened Ihe queen of diamonds and continued with the jack. South thought and thought and finally played low from dummy, whereupon East had to play the ace. Then East led back u club and South was in i., ..I, i j i West Germany. Oswald: lie led a diamond The comnllttee tor the to dummy s king ami ran of 1nurnalists clubs. When he came down to four cards he was looking at the four sevens. West was holding the ace of spades; the king-queen of hearts and ten of diamonds and dummy the acc-jack-ten of hearts and king of spades. East was holding his head." .lim: "The author called the land 'The dwarf sevens.' When .South led the seven of clubs West was squeezed, lie did the best he could and chucked the ace of spades, whereupon South chucked dummy's kins; led the spade seven and claimed since West couldn't hold on to two hearts iind u from the International Federation of Newspaper Publishers, International Federation of Journalists, International Federation of Editors in Chief, International Press Institute, International Organization of Journalists and the European Broadcasting can save if you order NOW-still get 74 prices Beat Hie price Rise! STILL YOUR BIGGEST WINDOWS DOORS Give you year-round comfort and savings! 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Answer Tomorrow ON THIS DATE in 1775. an force was defeated jt SATURDAY SUNDAY AM MONDAY NOON who are still quality-minded" 5 1 5 Eighth Avenue SE 364-0295 "THERE IS A DIFFERENCE" Evenings Call DON AMENT, 363-1164 Km WILUtMSON, COGGON, 435-2273 NARK LAPREE, -362-2733 RICH ETSCHEIDT, NEWHALL 223-5436 BILL YOCK, STANWOOD HOLIDAYS AM NEW OPPORTUNITY! .American Federal now offers a 7.75% 8 dollar minimum 0 year Certificate of Deposit This new Certificate results in an 8.06% annual yield C'all an American Federal Counselor for delaiils. Federal require a substantial Interest forfeiture for early withdrawal from a certificate of deposit account. AMERICAN FEDERAL SAVINGS AND LOAN ASSOCIATION CIDAR RAPIDS 200 Fir M SirwlSnuthwsl 52404. 317365 4628 IOWA CITY 1930 Lower Musrnlme Rorifi 11Q 337 31 DESMOINES Sixth ondGmnd 115 2449131 Morlo Hay Road 50310. 515 278 5258 Southwest Ninth anil Cnuldoi 50315 515 ?44 04R? 36lh and 50312. 515 274 4151 ANKENY First and North Tnlom 515964 2030 NEWTON 511 Firil Avcnuo Eml 50208 983? WIST MS MOINIS ond Wnslown Parkway. 50265. 515 225 104
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