Cedar Rapids Gazette (Newspaper) - December 30, 1974, Cedar Rapids, Iowa
The Cedar Rapids Gazette: Mon., Dec. », It74
12 Driving Rules for Winter
By Sylvia Perter
NEW YORK - This is not only the start of the most expensive 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 cost of being towed out of any spot plus the loss of huge amounts of time (not to mention harm to your body and mind).
Even if yon last visit any
caid part af the country on a ski jannt, yon also mast be well aware af the high cast af having yaar car fall ta start an a freezing marling because you didn’t kiaw haw ta start it.
A no-start may mean a $25 service call. Or it dould mean having to invest in a new flattery at a cost of I .‘IO to $50 or more.
How can you hold dow n these winter driv ing conte? Here are 12 basic rules which can actually 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 ant your fallowing distances substantially. It takes nine times as much dis*
"Doctor, could >ou please hurry?'*
tance to stop on snow as it takes to stop on 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, if you’re not sure you can get out. Find ways not to drive when conditions are really bad
(5) lf yon do get stuck, 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.
(I) Another rale if yon do get stuck is to “rock’’ back and forth, going as far as you can forward before you start .spinning, 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 instrument of prevention as well as a cure. A mere five minutes of shoveling can save you an hour of spinning.
(8) To get started on a cold morning, first turn off your car lights, radio and other accessories. 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.
(I) lf you do have trouble
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.
(1$) Instead of wasting gas
on prolonged warm-ups, start off slowly and increase your speed as the 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 the oil with unburned gasoline.
(II) Be gentle when you re
freeing wiper blades (exposed variety); the rubber may tear 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 "emergency 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 battery); jack, plus flat board to use on soft surfaces, such as snow; flashlights, plus spare batteries; flares; windshield de-icer; spray can of starting ether; gas line anti freeze.
Final note: another antidote for frozen gas lines is to keep your gas tank as full as possible
The Investor’s Guide
By Sam Shulsky
Q — I hope van eta give me same 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 $162.(MMI which earns us $700 a month. This has been adequate so far — but with more college bills coining up I will need more money. I know you’ve talked about dipping into capital, but I do want to leave the children their father's money.
A — To answer your last question first:
Assuming you are somewhere in the 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 problem 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, increasing) your capital
As to the bank’s performance: It is currently earning about 5b* percent on your capital. While this is substantially below the income which could be derived — for example — from AAA or AA quality bonds (a portfolio which, incidentally, would yield about $1,215 a month), 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 investments may have provided neither growth nor high income over the last half-do/cn years does not make the goal or the formula invalid
Let’s face it — it’s been a tough period in which to preserve capital. Even those* who depleted equity portfolios in favor of bonds have had to suffer from a rising interest rate. There simply has been no escape — as witness the horrendous losses suffered by some of bur biggest, professionally-managed funds.
Obviously, not knowing the exal t portfolio, I can’t get into 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 informed of your needs — especially as college bills begin to come in. I’m sure that more income can be* gotten out of $162,Oho But it might mean sacrificing what the bank considers good growth potential.
However, there is no law which says emphasis can't tx* shifted a bit closer to the income side, without destroying long term "prudent man” philosophy
I heck-a-menth 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 HWU. Indianapolis P. and L. 97/8s of ’81; General Foods 7ljs of ’84; Southern Calif. Gas IO1 »s of ’81; PepsiCo 85/8s of '81; and Searle 7l-j* of 80. In $10,(MMI face amounts, each, the total portfolio cost is given as $58,412; average monthly vield $426.25 or 8 76 percent
A longer-term portfolio General Foods 87/8s of I860; Baltimore Gas and Elect. 81/8s of 2004; Shell Oil S^s of 2000; Sears Roebuck 85/8s of HIOS; General Electric 84s of 2004 and PPG Industries Os of 1905. Total investment $36,825. average monthly income $430 21, yield 9 (Kl percent. The Pepsic© 85/8s, Moody rates "A”; all others are "AA” or “AAA.”
Q — I am soon going to receive ever $106.Md from prop
erty taken by the state. Where should it Im* invested while I am looking for other real estate"'
A — I would spread it around among at least three federal agency-insured savings institutions so as to Im* immediately available.
Treasury bills would Im1 another possibility although if you needed the money before the 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 SSufsky welcomes writtrn questions out Se *>M be able to orovnl* on .wert only through the column. For list* of growth and dividend stocks, please
int lade a sn* addressed stomped envelope Address your reauests to Sam Shun* y core of The Gazette
By Oswald St James Jacaby
Jim; "Here is a hand from the May, 1940 Bridge World that doesn’t prove anything, except that we don’t need serious bridge hands every day.”
Oswald: “The bidding is sheer whimsy. Once South started with two notrump he was trapped, but he stuck by
NORTH (D) IO
A K J 9 8 2 VA J IO
♦ K 6 4
A 3 2
A A g IO A 6 5 4 3
¥ K Q 3 2 ¥98654
¥ Q J IO 8 ♦ A 9
A 8 4 A 6 5
SOI TH A 7 ¥ 7
♦ 7 5 3 2
A A K Q J 109 7 East-West vulnerable
2 N T,
Pass 3 A
3 N T.
Pass 5 N T
Dble * Pass
his guns and didn’t run to six clubs.”
Jim: “West opened the
queen of diamonds and continued with the jack South thought and thought arid finally played low from dummy, whereupon East had to play the ace. Then East led back a club and South was in business.”
Oswald: “He led a diamond to dummy’s king and ran clubs. W hen he came down to four cards he was looking at the four sevens. West was holding the ace of spades; the king-quecn of hearts and ten of diamonds and dummy the ace-jack-ten of hearts and king of spades. East was holding his head.”
Jim: “The author called the hand The dwarf sevens.’ When South led the seven of clubs West was squeeze. He did the best he could and chucked the ace of spades, whereupon South chucked dummy’s king; led the spade seven and claimed since West couldn't hold on to two hearts and a diamond.”
The bidding has been 30 J
West North East South
Pass I ♦ Pass IA
Pass 2 ♦ Pass °
You South hold AK7643¥A2 ♦ 9 A A K 7 3 2 What do you do now'*
A—Pass. There is no law requiring you to bid two five-card suits iorever.
TODAY’S QI ESTION Instead of rebidding two diamonds North has jumped to three diamonds What do you do now'
ON THIS DATE in 1773. an American force was defeated at Quebec.
For Better Health
Legs, Ankles, The Main Ski
By Dr. S.L. Anticlinal
Would you rather fracture an ankle or an arm?
Looking at reports on ski injuries, you’d think someone asked skiers that question and found thqy’d rather hurt an arm than a leg.
Twelve years ago nearly half of all ski injuries at Vermont’s ML Snow were to the ankle. Now ankle injuries are
Press Unit Asks Trace of Lost War Reporters
ZURICH (UPI) - The Inter-national 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 uncertainty,” 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 matter.” the statement said.
The missing journalists are from eight countries — Australia, Austria, France, India, Japan. Switzerland. U S. and West Germany
The committee for the safety of journalists comprises delegates 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 Union.
Are Not Injuries
just 16 percent of the total injuries while accidents involving the upper extremities — the arms, wrists and so on — are up 304) percent.
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 ankles and improved release bindings that protect the lower limbi have reduced sprains and fractures of the ankle and leg.
But it seems that the hands and arms are now taking the force of the fall.
Doctors from the Boston school of medicine compared accidents at Mt. Snow 12 years ago with those in 1972-73 to make their report.
Experienced and intermediate skiers were injured more frequently than beginners during the ’72-’73 season. The doctors say this is probably because their skill permits them to ski at faster speeds and on more dangerous slopes.
"Despite all the advantages of the well-trained skier, his greater speed and greater distance skied per day keep him at considerable risk of in jury,” Dr. Joshua Gutman says.
“With a ski population of five million who average ten to 15 days of skiing per season and an injury rate of perhaps five per LIMN) skier-days. we
arc experiencing an Incidence (if 25(1.(MMI injuries per year The cost of these injuries extols $12 million annually.
lf 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 and eat with both hands. That way, if you do break an arm or fracture a wrist, you’ll still have one "go<xi arm.
Dr Andelman welcomes letters outlining problems he may discuss in fntnre cal-umns Ile regrets, however, he cannet personally answer mail. Write ie him in care af The Gazette.
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