St. Louis Post-Dispatch from St. Louis, Missouri • Page 40

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(314) 887-8484 70 Grandview Plaza (314) 830-1 183 FINANCIAL mm 225So.Meramec, Suite 821T Clayton, MO 63105 GROUP (314)727-4779 Ask (or Steve McNeal or (800)445-3619 Ask us about Tax-Deferred Annuities and Pension Rollovers Subscribe to the Post-Dispatch. Call 314-340-8888 for home delivery. rn rr ill ill I II II -n 0 11 0 Your Money i AIR FARES: The lowest round-trip fares to major cities 14 AUTO INCENTIVES: Rebates, loan terms on new models13 i MIKE BROWN: Testing your tolerance for investment risk 12 CD RATES: The rates area banks are offering on certificates of deposit 12 i MUTUAL FUNDS: Experts pick the best buys 13 PLANNING: When to transfer assets to a living trust 13 LINDA STERN: Taking your lumps with dollar-cost averaging 12 Markets. The Economy INSIDER TRADES: A who's who of the latest insider stock moves 8 DATA BANK: A quick look at the area and national economy, plus performance data on regional stocks 19 Doing Business i BULLETIN BOARD: New companies, new locations and new ideas on area firms 3 i MARKETING NOTES: D'Arcy's free ads honored by magazine 8 WEEKLY BUSINESS: Who, what, when and where of business meetings 14 i TRAVEL Who's at risk for the at-risk traveler? 14 Plus I JOHN BREMNER: autonomics leaves the liberal agenda on the sidelines 20 I BUSINESS LUNCH: The Broadway Oyster Bar provides hot and spicy fare 9 DALE DAUTEN: The dark side of business books offer a scary specter 4 i FRED FAUST: A hot tip: how and when to leave a gratuity for your casino dealer 7 MONDAY MEMO: Being open-minded, being of sound mind, and being of a mind to be disorderly 5 mm, mm )0 30 Banking Service Evaluation 1. Do you know your current loan officer's name? Yes No 2.

Has your loan officer visited your office in the last year? Yes No 3. Have you had the same loan officer for the past three years? Yes No 4. Does your loan officer have 10 or more years of lending experience? Yes No 5. Have you met any of your bank's top three officers? Yes No 6. Does your loan officer know who your top three customers are? Yes No 7.

Can your loan officer accurately tell you how the bank will respond to your loan request, before submitting it for approval? Yes No 8. Can your loan officer effectively represent your request before the loan committee? Yes No KEEPING POSTED making it the nation's largest operator of department stores. Babette Morgan We Start With A Little Encouragement We know you're going to fill out this new tax form. After all, the state of Missouri is "encouraging" you to, and you believe in paying every penny you owe in taxes. Absolutely.

The new form, called the Consumer's Use Tax Form, will be part of your Missouri income tax returns. It asks you to report the purchases you made out of state for use in Missouri, then pay the state tax on them. Examples would be things bought through mail order catalogs or TV shopping channels when no sales tax was collected. The state Department of Revenue says it is "encouraging" people to file the report this year. "In 1994, all taxpayers will be expected to file," says the department.

Jim Gallagher May Seeks Chain In New England Word has it that the last family-owned department store chain in New England may become the next acquisition for May Department Stores Co. May is negotiating to buy seven of the 10 Steiger's stores owned by Albert Steiger according to a report in the Union-News of Springfield, Mass. The newspaper did not identify the source of its information. Steiger's, founded 101 years ago, has suffered recently because of poor sales. May based in St.

Louis, refused to comment on speculation about a deal. Though no announcement has been made, residents of Springfield are already worrying about the fate of their downtown Steiger's store, which is not one of the seven stores identified as part of a purchase by May. May has 312 stores nationwide, If you answered "no" to even one question, you could be getting better banking service. At Southwest Bank, we axe committed to providing high quality service to small business and middle market loan customers. So if your current bank doesn't pass the test, get a better business banker.

CaU Stave Harsh today at 778-2S3. SOUTHWEST BANK South City Clayton Crestwood Equal Opportunity Lender Member FDIC.