Asheville Citizen-Times from Asheville, North Carolina • Page 38

BUSINESS ASI lEVII.l.E C1T17.KN-T1MES SPA: Director wants more locals to use amenities Money scoreboard D2 SUNDAY, OCTOBER 19, 2003 Bank Rate Monitor's survey ot the 10 largest banks and in the 10 lergest metro areas. Mortgages are conventional loans at 80 percent loan-to-value. Car loans are lor $9,000, 20 percent down, 48-month, new car. Personal loans are lor $3,000 24-month unsecured loan. Mortgages i Others Continued from Dl McNees said spas offer people relaxation and reflection time necessary for improved health and productivity.

As the director, Huffman reigns over the spa with exuberant enthusiasm. With a master's degree in public health policy and administration, she became the spa's director in February after starting out as a spa shift supervisor in January 2001. Originally, Huffman thought she would work at the spa for a short time, then open up her own business. That quickly changed. "I came in and fell in love with it," she said.

"They'll have to chase me off with a stick to get me to leave." Huffman, who grew up in Drexel, said she hopes more local people will start appreciating the spa's amenities. Huffman said of the people who have liation and a masque of aloe, mud and shea butter. "It's a lot of money, but it's worth it," said Bailey, who was on a quick break from her work as a job coach with Blue Ridge Homes. All that's left, she said, is for her two brothers to chip in and help pay for her mom's day at the spa. Contact Newsome at 232-5856 or come to soak in mineral baths, whirlpools and a lap pool, 25 percent are local visitors.

For Bailey, though, this was the first time she had been to a spa. But the Grove Park Inn Spa popped into her mind when she wanted to do something nice for her mother. "It's this one," she said, pointing to the treatment that she decided to get her mom the Carolina Mud Pie Masque, which includes a full-body exfo Credit card 13.92 13.92 13.92 1-year Date 30-year 15-year ARM Car Personal This week 6.07 5.38 4.06 7.23 14.48 Last week 6.01 5.32 4.03 7.25 14.48 Last year 6.23 5 63 4.52 8.09 14.94 'Average has changed from a lixed rate card to a variable rate card. AROUND THE WATERCOOLER Bank Rate Monitor's weekly survey of the 10 largest banks and in the 10 largest metro areas. Date MMDA" 6-months 1-year 2-12-year 5-year This week 0 50 0.91 107 1.70 2 99 Last week 0.50 0.91 1.07 1.70 2.98 Last year 0.96 1.52 1.71 2.30 3.40 Money Maifcel Deposit Accounts CLOSING: Leaders must think of ways to keep economy going with large loss of textile jobs Here are the 15 biggest money-market mutual funds open to individuals with their current seven-day annualized yields.

"Manufacturing is going away in the state and the county. There's going to be a certain amount of manufacturing out there, but there's not Continued from 01 Jim Lancaster, director of the county's Economic Development Commission, said the adjustment challenges not only those who are unemployed. Local leaders also must strategize new ways to keep the economy going as textile jobs disappear. County commissioners are increasing their use of incentive packages to encourage manufacturers to stay or relocate to the county. According to Mark Owen, spokesman with Advantage West, a regional economic development organization, the county and organization has secured $200,000 to boost county incentive packages from the Golden LEAF Foundation.

"What I think is that we need to start looking at what is real and what is not real," Lancaster said. "Manufacturing is going away in the state and the county. There's going to be a certain amount of manufacturing out there, but there's not going to be enough to go around." Instead, he said, local leaders must boost efforts to draw tourism traffic to the area just as Asheville has done. Tourists, he said, could help lead to municipal and community revitaliza-tion, which could then lead to high-tech jobs as the population becomes more educated. Owen said they have a lot to build on.

With Lake Lure and Chimney Rock and its location between Charlotte and Asheville, he said the county does have a chance to rebound as it feels the This Last 6 mos. Fund (ranked by size) week week ago Fidelity Cash Reserves 0.80 0.80 0.96 Schwab Money Market Fund 0.36 0.36 0.58 Vanguard MMFRetail 0.76 0.77 0.97 Schwab Value Advantage MFlnv 0.66 0.66 0.88 Centennial Money Market Trust 0.82 0.84 1.03 Morgan Stanley Active Assets MT 0.66 0.66 0.86 Morgan Stanley Liquid Asset Fund 0.52 0.52 0.74 Smith Barney Cash PortClass A 0.62 0.62 0.70 UBS RMA Money Market Portfolio 0.49 0.50 0.75 Vanguard Admiral Treasury MMF, 0.86 0.85 1.08 Command Money Fund 0.63 0.63 0.77 Merrill Lynch CMA Money Fund 0.55 0.56 0.87 Alliance Capital Reserves 0.14 0.14 0.32 SSgA Money Market Fund C1 0.72 0.72 0.93 Nations Cash Reserves 0.33 0.33 0.60 Avg. taxable money fund 0.51 0.52 0.73 Tax-free funds 0.43 0.48 0.62 Sources: bankrale.com and iMoneyNel. Inc. Gannett News Senrice going to be enough to go around." MARK OWEN, Advantage West spokesman ripple of neighbors' growth.

Contact Newsome at 232-5856 or sum: ur. irwraTrcrara (37 "FREE SPINAL SCREENING (NO OBLIGATION NOTHING TO PAY) YOU MAY HAVE ONE OFTHESE 16 DANGER SIGNALS OF PINCHED NERVES! 1. Low Back Pain 5. Dizziness 9. Numb Hands 11.

Numb Fingers 2. Headaches 6. Sore Elbows 10. Bursitis 11. Hip Pain 3.

Shoulder Pain 7. Neck Pain 11. Pain down Legs 11. Tight Muscles 4. Arthritis 8.

Indigestion 12. Muscle Spasms 11. Aching Feet FIND OUT NOW whether careful, professional chiropractic care can relieve your aches and pains. This examination will include a spinal alignment check, an examination for restricted or excess motion in the spine, an examination for swelling and muscles spasms Study: More accidents occur on Fridays By Justin Bachman THE ASSOCIATED PRESS Do you leap into your car on Friday, peeling out of work ready to celebrate the weekend? How's your driving? A study of more than 1 million vehicle accidents from January through June by one of the nation's largest auto insurers found more accidents happen between 3 and 6 p.ra Friday than during any other time of the week. That was also the most crash-prone day, with 16.4 percent of all wrecks, followed by Saturday and Thursday.

As for rush hour crashes, Monday morning was tops. The fewest crashes occurred on Thursday, between 4 am and 5 am The fewest daylight crashes happened between 9 am. and 10 a.m. The data are from Progressive the nation's third-largest auto insurer, based in Mayfield Village, Ohio. The company offered no guesses about why the crashes occurred when they did.

Seniors' credit Most of us check our credit information, at least periodically, especially 'with the crush of alarming tales concerning identity theft and credit-reporting errors. A new survey suggests many older Americans are not attuned to this obligation. More than half of people 60 and older, 51.4 percent, conceded in a survey they have never checked their credit reports. That was higher than the 42 percent of 18- to 29-year-olds, and 35 percent of all others. A study this year by the Federal Trade Commission found that 10 million Americans were victims of identity theft last year, with an estimated cost of $10 billion.

The study of 1,200 people was conducted in July by the InCharge Institute of America a nonprofit financial education and credit counseling firm based in Orlando, Fla. "Just like we press our parents to go to the doctor, we need to press them to regularly check their credit report," said Rebecca Stiehl, the institute's vice president of education. The three national credit-reporting agencies are Equifax Experian, and TransUnion LLC. Federal law allows a free annual look at your credit report. ur.

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