Poughkeepsie Journal from Poughkeepsie, New York on March 4, 1990 · Page 4F
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Poughkeepsie Journal from Poughkeepsie, New York · Page 4F

Poughkeepsie, New York
Issue Date:
Sunday, March 4, 1990
Page 4F
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SEJfflBCKHl RBEfcSl m$ti .Mtft - r 3tF 'Poughkeepsla Journal. ( - c y - r - rff - r - j - 1 , s - i - . - . - Ii y MjJ .Sunday. March.4. 1990 Business - voice - here card feasible now tfTn Frandsco Eumtncr tfeSe all heard greeting cards that tinkle out a tune, usually a feeble, Vendition of "Jingle Bells" or fepy Birthday." But Are you ready for a voice - car - - tying card your voice? It's here. J'Orei t'roducts, a 'Tokyo - based 'electronics firm, has set op shop In Southern California to produce a TOlnlature programmable Voice mod - t (slightly, larger than a book of tches) that will decode and voice - thesize messages pre - recorded on jj - ln, half - Inch by half - Inch chips. - jyha,; module was introduced in ,nothern California at the San Fran - jtfsco. Gift Show as part of a promo iqn'of a Dick Tracy wrist radio. It attracted as much attention as the .product it was supposed to be pro - moting. "Everyone who hears It Is fascinated," says Orez general manager Harry KosugL Among the most Interested, says Kosugi, is Columbia Pictures. "They want us to design a movie poster that will 'talk' In the voices of the stars when pressed In the right places, It Is possible." Although the module'spossibillUes In advertising and promotion are vast, Kosugi believes it could revolutionize the greeting' card Industry, and talks with major card makers already are under way. "We have technology right now to put a chip data - recording machine In gift and greeting card stores. In that way, the customer will be able to record a chip message on the spot The chip will then be automatically plugged into the module and the entire unit ready for insertion into an appropriate greeting card," says Kosugi "Put in your photo with your voice message, and the greeting becomes very, very personal." At present, the best reproduction quality comes from messages no longer than 10 seconds. The mini - battery (no larger than an aspirin tablet) carries enough voltage for 500 plays. ; The module consists of a read - only data memory, voice synthesizer, a printed circuit, a battery and a pushbutton i switch. It is sandwiched, along with an ultra - thin speaker, between two layers of paper on one page of the greeting card. The speaker, which is as thin as a piece of paper, measures about 4 inches by 4 Inches, and operates on the plezo effect certain surfaces will expand and contract (and produce sound) In response to an alternating electric current "At present, each module speaker, unit costs $8 and the chip recorder is $1,800. But volume production will bring these prices down. But even right now, we could do a message for. an individual for $15 each, which Is not a lot considering the uniqueness," says KosugL MOTHER EARTH STOREHOUSE NATURAL FOODS & VITAMIN CENTER AREA'S LARGEST SELECTION OF BULK &" PACKAGED NATURAL FOODS AND VITAMINS 229.0593 RT. 9, COLONIAL HAW, HYDE PARK Our Apologies... But the following Items advertised in our circular In today's paper will not be available due to mfr ' Inability to ship On page 2, the Fngidalre FP18TF has been discontinued by mfr , quantities are limited, ralncheckswill not be issued but the Frlgidalre FP18TL reg 479 99, sale 39998wlllbeofferedasasubstitute On page 4, the Bravo by Newcor Completer Set, rainchecks will be Issued - '" We rrgret ny Inconvenience to our customer! nECHMERE JOURNAL DEUVERY . - a .. , HOTLINE 3 - 6UlU I TAKE THE M AiCS rj5G3b Offlc Tchnolofll GRADUATE OF THE WEEK NAME: LORRAINE - HUTCHINGS employer: sheldon kahan esq. program: word processing , speciaust ; high school: stissing mt. ROAD TO A BETTER LIFE V Tuition Assistance Available New Classes Start Every Ten Weeks Lifetime Placement Assistance ,142 Year Programs ENROLL NOW! KRI5SLER BUSINESS INSTITUTE MANSION SQUARE PARK POBOX507C POUCHKEEPSIE NV1?60; 471 - 0330 You've'Made Your Most iftaSTChoice v. Xrjs, Impc i ' RETIREMENT You've got reason to celebrate. You've worked hard all your life. Now you're going to have someone work hard for you: SBU AND PAWLING SAVINGS BANK, PAWLING SAVINGS offers SPLITS Whole Life (pol L10) using the Vanish - tag Premium Concept This concept can allow you to limit your premium payments to as few as 7 years. WHETHER YOITARE RETIRING NOW OR IN THE FUTURE SBWS VANISHING PREMIUM CONCEPT CAN HELP OFFSET THE LOSS OF INSURANCE WHEN YOU RETIRE OR GIVE YOUR SPOUSE SECURITY WHEN YOU TAKE MAXIMUM PAYOUT OPTION FROM YOUR - PENSION. FOR MORE INFORMATION STOP IN AT YOUR LOCAL - PAWLING SAVINGS BRANCH OR - CALL4 - 800 - 666 - 0161 AND ASK FOR THE LOW COST SBLI DEPARTMENT, . - ,. SAVIAfn - - " - ". A PROGRESSIVE BANK PRUDENTIAL - BACHE LOOKS AT THE 90s You're invited to a free, insightful seminar which will discuss how the changes oLlhcJBOs and the challenges of yYia. ZIx, rtVSS today may be the investment opportunities of tomorrow. We will forecast the general economic trends of the 90s, both global and national, and recommend the best Investment areas for the coming decade energy, biotechnology, infrastructure and pollution control. This leminaT not only provides youwith a broad vision for the '90s, but also discusses which specific investments are right for your individual financial needs. When: Sat. March 10, 1990 9 am Where: Ramada Inn Rte. 9 To learn more about how you can take advantage of these exciting and timely opportunities, plan to attend this important seminar. Admission is free, but space is limited. To reserve your seat, just call or send in the coupon below. Prjidcntial Bachc Securities, Address Attn. Phone D Yes, I will attend PleascreservescalUHorme D I cannot attend, but please send me "Prudential Bache Looks at the '90s" - Name Address "liiy ' Stale Zip Phonef - TTp Clients plcac give name ind ' office ol Financial Advisor ' Prudential - Bache RockSolid, i Securities MarketWise! WHAT IS THE TRUTH ABOUT PENSION OPTIONS? By David W. Frederich The issue ofiheJoint & Survivor pension option in qualified plans - versus life insurance is an' important one. Everybody wants a balanced discussion of the true costs and benefits, but where can the facts beJound? First and foremost, one needs to know what questions to ask when making an honest effort to understand the facts. Wliether you are.'planningtOretifeliow or fifteen years from now, Use the followinjas a uide - owards - peacef - mindnn - pensiofroptionlanningAstt . r I. PERSONAL BACKGROUND AND PROFESSIONAL PROFILE Are you a native of this area? Where do you live? Where did you attend school and did you graduate? you married? Do you have children? Do you have any professional designations? - Have your achievements been published In-s-industry or company books and magazines? you paid fees andor commissions? Do you have any long - term client references? Do you have any established community leaderaas references? II. Joint & SURVIVOR PENSION OPTION j Why is the 50 benefit the automatic option? Does the age difference between spouseseffect the costs? - What are the annual after - tax costs? Can I give my spousemore or less than" the 50 benefit? - aYlH the annual costs andor benefits ever change once retired? J Are the benefits transferable, assignable, or reversible? Are there any lump sum benefits? Do you have references whom you have o recommended this option? HI. SINGLE LIFE PENSION OPTION & INDIVIDUAL LIFE INSURANCE , Does my spouse have to legally waive the 50 Joint & Survivor option? - Must my health qualify for individual life insurance? How much insurance is necessary to guarantee equal benefits now and in the future? What is the difference between term, universaf and whole life insurance policies? - Based on my mortalityxlassification, - whatare - the - guaranteedosts for 7 Individual lifelnsurance policies? What is the tax treatment on the benefits dividends and cash values? Are ownership arrangements important to my spouse's financial security? Are benefits transferable? What are the consequences, if any, of accessing cash value? Is it true that it is mostjmportant to judge a policy by its guaranteed cash .values versus its projected returns such as interest andor dividends?? What are the ratings of the company or companies you recommend? " If I do not plan to retire now, why would Preview these options prior to retirement? both These questions should be answered with facts and honesty. Yon should be provided comprehensive data to support tne joint cs, survivor renswn uptwn ana tne mingle Lite Pension uption cc individual Lite Insurance . Also, do not hesitate to ask for proof of credibility regarding agents and planners, and proof of quality regarding the companies recommended to you. If you receive information through professional and unbiased education, you will be positioned as your own financial planner able to make informed decisions. , ,, 1 i n - - nf. t I Vx V - ;i&. y. , 't '4eiJ Frederick &, Associates PENSION OPTION PROGRAM DIVISION r rr, .Jk, Tit you ha ve any questions wo, are available Monday through Friday from 9:0G am to 5 pm. I I Riverside Office Park , 4Q4 Souti Road Poughkeepsie, NY 12601 (914) 473 - 7650 d

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