Cedar Rapids Gazette (Newspaper) - November 18, 1974, Cedar Rapids, Iowa
The Cedar Rapids Gazette: Mon., Nov. 18, 1874
For Better Health
Moles Are the Most Common Birthmark
By Dr. S.L. Andelman
Moles 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
Most moles are benign and will never be a threat to the health of the person who has
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 such growths from moles either by appearance or by removing part or all of the lesion and studying it under a microscope.
lf 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 ev idence 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.
Re nm al
There are several ways to remove moles. They can be destroyed with an electric needle (electrodesiccation), destroyed by heat or excised
Robbery Pulled By No Lady'
PITTSBURGH (IPI) - 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 no lady. That was Leroy Townsend,” a man Arkhaty said he struggled with the two until he was struck in the face with a flashlight A passing police cruiser spotted the suspects running from the car and captured one, Leroy Townsend, 21, of McKeesport, who was wearing a miniskirt.
Exactly 96 8 percent of 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 once 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 (electrolysis). Often when this is done the mole will shrink and become less noticeable
The Investor’s Guide
By Sam Shulsky
Q — We’re retired and
wondering whether it would be cheaper for us to rent
A — Obviously, without
knowing any of the financial details, there is no way for me to even guess.
Putting aside any tax savings derived from interest paid on a mortgage and from real estate taxes, I think a fair rule of thumb is that ownership of a house costs you roughly Kl percent of its market value annually
If you own a $40,000 home, free and clear, you must add the earning power of that $40,000 to the expenditure of taxes, water, insurance, heating, repairs. Since money today can earn about 9 percent, taxable, from highest quality bonds and, say, 6 percent from tax-exempts, one can see that the $40 (KH) could bring in $2,400 a year, clear or $3,600 taxable to that add the other expenses and it should be obvious that your “rent" runs to about $4,000 or even more.
lf 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.
Q — I'm attracted to a stock
which sells for only a couple of dollars but has a dividend of “KO t.” This would seem to be a very high return A — It isn t. In my records that “t” stands for the market value of a stock dividend. A stock dividend is nothing more than a slicing up of what you already own into smaller
pieces. It isn't even “ice in the winter time "
Q — As far hack 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
bern true for the last six to eight years.
For the period 1945-56, stock market appreciation ran far ahead of inflation — and again from 1937 to 1961; and from 1963 to 1966
If you look at the market charts for, let's say, 1962 or 1966. or 1969-7(1 and again from the start of 1973 lo the present, you will see that stock prices fell all the time the cost of living was rising. Some “days" it doesn t pay to get out of bod.
Q — I would like income
from my E bonds. Should I convert to ll bonds, or cash in the Es7
A—If you switch to II bonds
you will receive annually, on a Kl year average. 6 percent of the full present value of your E bonds. This income will be subject only to federal income taxes. If you cash in part of the Es every year you will pay
a federal tax on the accrued interest included in the cash-in price. If you cash in all the E bonds you will be subject to a federal tax on all the interest accrued.
Only your accountant tan tell you which is the best policy for you
Q — I’ve heard that some
brokers are offering bank notes paying Kl to ll percent for six months.
A — I don't know to what
you are referring. But it ought to Im* made clear that yields are given on an annual basis — not for six months. Many-good quality bonds today are yielding around the 9-1(1 percent level.
Q — I obtained II bonds by
turning in E bonds. There is a figure — $1,468 — written on the face of the bond. How does this affect taxes'’
A — The $1,468 represents the accrued interest in the E bonds — on which you paid no income taxes. This tax liability is carried over onto the ll bonds — but you need not pay any tax on that accrued E bond interest until you redeem the ll bonds or they mature. And that could be a long, long time off.
* * *
Q — I recently attempted to
buy stock but didn't succeed. Tiki young. If I can join the army, bet on horses, and vote in national elections, why can't I buy stock 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 see no reason why you can't buy via a custodial account with one of your parents as custodian. .lust as good.
* * *
Mr Shulsky welcomes written (tues tions bu* he witl be able to provide answers only through the column For information to check on obsolete ties, please include a self addressed, stamped envelope Address your reauest to Som Shulsky, core of The Gazette
By Oswald & James Jacoby
Jim: “I remember you told me once that it was possible to watch a man play just 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 both ways. In any event I watched a young player handle today’s four-spade contract. He ruffed the third heart and proceeded to play (tut 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 the 4-1 trump break would have led to a two-trick set, provided East ruffed in on the third diamond.”
Jim: “It became obvious that South knew what he was doing. He didn't even pause after West showed out on the
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The bidding has been
second spade lead. He just started on diamonds and let East trump in when he wished "
Oswald “To forestall some
South I’a ss 3 a
You, South, hold:
♦ 4 3 VA Q 7 + K J 4 3 ♦A 9 5 4
What do you do now'.’
A —Pass Even if your partner holds just four hearts he should find a satisfactory play for the heart game
TODAY S QUESTION
Instead of bidding four hearts your partner has bid four spades to pass the buck hack to you What do you do now’’
mail. West could have shifted to a club at trick three and spoiled South's party, hut that does not reflect at all on South's excellent play."
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