Lancaster Eagle-Gazette from Lancaster, Ohio • 14

WW Lancaster Eagle-Gazette, Sunday, September 26, 199931 2Btancaster Eagle-Gazette, Sunday, September 26, 1999 eJ 2l "MM Name Last Chg Wkly RlteAld d11 -1-6'3ie Name Last Chg Wkly intuit 94Vi6 -6V2 -Milage 337 -1 CresRE d18 -V1-1V16 CwnCorkd234 1 -1V4 CypSem u26e -2Ve Cyprus u18Ve ie1Vie RoblHalt d22'2 516-116 Rockwl 49'Vie -16 -44 RoHaae 32Ve -1V4-4ie -Vie-1 Vie The Motley Fool Our Mission: To Inform, to Amuse, and to Help You Make Money What 4s This Thing Called The Motley Fool? Remember Shakespeare? Remember "As You Like In Elizabethan days, Fools were the only people who could get away with telling the truth to the King or Queen. The Motley Fool tells the truth about investing, and hopes you'll laugh all the wav to the bank. 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Amresco 3Va AncorCm 22''16 Artec u48' Apexs ApolloG d207ie AppleC Apldlnov 3'n ApWMat 78'B Experts Aren't Enough In 1992, my husband and I turned to investing as a means JtH I'M niA 3 DollarGs 28'4 i 2 DomRes 447t6 -8 -2Va DonLutJen39ii8 Vie-S'Vw DnnllpuRR 3A34 -1, Bhb LockhdM sd30e mm Most Active ($1 or more) Most Active ($1 or more) Most Active ($1 or more) Name Vol (00) last Wkly Name Vol (00) Last Wkly Name Vol(OQ) Last Wkly AmOnlne S1206306 9712 11V2 SPDR 511453 127 -6 Intel 1496912 75V64-86'64 Compaq 517296 22 -13 NasdIOOT n371158120V52 Microsft 1427216 90'5ie -5'z Citigrps 494714 43 61532 DellCptr 1253352 -5 3i6 471358 425b -3 DevonE 109736 41'4 -34 Cisco 944245 69 -4'2 MicrnT 459790 8OV4 458 DJIADiam 729181024V64-54764 MClWrld 746445 76Ve -23A Gainers ($2 or more) Gainers ($2 or more) Gainers ($2 or more) Name Last Wkly Wkly Name Last Wkly Wkly Name Last Wkly Wkly Furon 25316 878 54.4 VitaFd 3V4 7s 36.8 Elclntl 23t 1 Vte 192,3 BatlMt 2316 716 25.0 FuelCell 29 7 31.8 VirtualFd 31 7i6 92.0 NtWstmin 1281316 23 22.6 Flightserv 617ie 31.5 CyberCare 2Vi6 73.7 Kinrossg 2'2 7ie 21.2 SecurAsc 2 V16 24.3 PrefEmpn 4'2 178 71.4 GoldcpAg 1 20.8 Hmisphwt 33i6 V16 21.4 Pathwysn 5 2Vi6 70.2 Losers ($2 or more) Losers ($2 or more) Losers ($2 or more) Name Last Wkly Wkly Name Last Wkly Wkly Name Last Wkly Wkly DynexCs 57s -4'i6 AppOnlin 2'5i6 -i5i6 JJillGrp RiteAid 11 -6'3ia AmShrd -1V4 SupConsI 11 'A -11 NData 25'8-12Vi6 CVFTch 3Va -'3i6 KrollOGar l4Vis-10Vie MutRisk 1815ie -7 Sames 17 -4Ve ASISol 4 -3 EEXCps 3 -1 Melromda 4'4 -1 MaxwIlT 11 -77e Diary Diary Diary Advanced 767 Advanced 195 Advanced 1,341 Declined 2,668 Declined 548 Declined 3,318 New Highs 91 New Highs 39 New Highs 244 New Lows 659 New Lows 107 New Lows 371 Total issues 3,696 Total issues 860 Total issues 5,102 Unchanged 261 Unchanged 117 Unchanged 443 4,745,602,590 247,843,110 5,054,825,300 LoneStrsu49s LoraISp 164 LaPac Vl6 -14-1 316 Dover 39 V16 7ie -1a of becoming financially independent. Armed with a copy of Peter Lynch's latest book, we poured every cent we Lowes 441516 11516-216 Dowcn 106'B -3l6 -84 DuPont 59V6 -1-2'Vie DukeEnov B9V9 -7 -93 V2-5516 14 -17 Lucent 644 Lyondell13Vn your variable annuity will match the after-tax returns of investments in a taxable account.

You'll be tying up your money for a long time. The "death benefit" that will pay your beneficiaries at least as much as you put in to the annuity is often a selling point. But it usually costs more than it's worth. Long-term investments in good stocks are likely to increase, not just maintain, their value. If you don't draw out the money before you die, your beneficiaries will be taxed on it.

Mutual funds and individual DunBrad 294 could spare into 20 stocks. By 1995, our initial investment of $130,000 had shrunk to $70,000. This painful SAP AG 37 7 2 SBC Com 49 7ie -1 SCISys 458 1 516-2'Vie SKTIcm 106 -7i6 -7ie STMIcro su764 1-2e SlgdSc 70'5ie 716 -'4 Sateway 446 -iie -1 SUude 317e 516 -114 StPaulCosd287 -16 -38 Saks d15Vi6 Vi6 -11 SLM Hid SFelntl 22a -ie-2'Vi6 SFeSnyder9Vie -7ie -4 SaraLees23Vi6 7ia 7i6 SCANA 24 Vie -Via 16 SchergPI Schlmb 59 sie -12 -8a Schwabs 35'8 -V-1'ie SclAtl 487 -2V, .754 Seagate 297i6 -V16-3V1B Seagram44iiie -13ie -77 Sears d30Vie -IWte SvceCpdl 1'518 -5I6-1 516 Svcmstr 15V2 -1 V2 Shaw 176 'A Vis -2V4 SilcnGph 11 -14 -1 Smlthln 427 -V4-5S16 SmithBch 59'4 SnyderCm18ie 14 16 Solectrns 68 -76 -6a SonocoPd225i6 -Ve-1 16 SwslAirls 15' 18 -7ib SptAuth 35ie Vis -Vs SprntFONs 54 2737ie SprntPCS nu73'2 -127ib StarwdHtl 22V4 -716-17ib StateStr 616 2V16 3'4 SterlCmcd19Vie -V2-IV16 SterlSoft 20 7i6 -3ie -1'b Valuing Coke For the past three years, Coca-Cola revenues have been flat, and so has its stock price. CEO Douglas Ivester recently offered encouraging words, pointing to the company's worldwide bottling system and distribution network, its The PE Ratio Can you explain how to calculate a price-to-earn-ings (PE) ratio? I see it everywhere, but I'm not sure what it is. P.R., Charlotte, N.C.

A It's probably simpler than you think. The PE is a measure that compares a company's stock price to its earnings per share (EPS). You can think of it as a fraction, with the price on top and the EPS on the bottom. Alternatively, tap the price into your calculator, divide by EPS, andvoila the PE. Consider the Wicker Sink Co.

(ticker: SIEVE), trading at $30 per share. If its EPS is $1.50, you just divide $30 by $1.50 and get a PE ratio of 20. Note that if the EPS rises and the stock price stays steady, the PE will fall and vice versa. A stock price of $30 arid an EPS of $3 yields a PE of 10. You can calculate PE ratios based on EPS for last year, this year or future years.

I've recently seen some EMCs U69V16 -7ie-1'Via EOG -18 -2 FKndak 713 91a Variable Annuities Online at the Fool, we've received a lot of questions about variable annuities. Insurance salesmen are pushing these mutual fund-like instruments (which generate hefty commissions), but they usually aren't the wonder-investments they're cracked up to be. Here are some reasons why: Variable annuity fees are Edwards MBNA 23V4 -14 -'V16 MGIC 46 7ie V2 34 Manulif wiud123i6 MarlneDrl15Vi6 -2 MarshMcL653ie -3V2 -8 tians 31 Ve EDS 54 Vi6-1i6 EmrsnEI 61 Ve -2 Fnnlfln 10.1j -3 Masco 30i6 -16-1 3'4 -8ii 25 13 Vs -t'i ii8 -Vi1'VlS -23l6 -5'4 -te -'I -34 -tfie -'A Vl8 -4'8 t'Vl6-1" 1S -12 11 -5le 1Vl8 -4'2 -'ie -23ie 252 45 1'4 -116 -51S -73J 2 'to -2's -1'16 -1 718 -lH -1'4 -11 3 -V'8 -33 Aon Cp d30'8 Apache 39l5ia ArchDand12Vi6 Enron 'ie-27ie -1-3'V16 -V4 ENSCO 18V16 -V4 -3V! Entergy 30 -3ie -'Vie PnttEnn 791 loss taught us that even expert advice, in the hands of novices, can be dangerous. We've since then prospered by adopting our own method of screening stocks and have come to look upon our $60,000 loss as tuition to the "school of hard knocks." Ruth Scott, San Diego The Fool Responds: That's a healthy attitude, Ruth. We like Peter Lynch's teachings, but you're right: No expert should be relied on so completely when it comes to your money.

Don't even rely solely on us Fools. Instead, learn from us and from others, and don't invest any money until you're entirely comfortable with it and understand what you're doing. It sounds as if that's what you're doing now Congrats! EqOtfPT 237 -V16 strong portfolio of 160-plus brands, and hope for an tsteeL0rs4i '8-2Vie Exxon 7413 FnXrn.1S3Ai 11fi 13 Armco 6V2 -Vie V2 Asarcou23 1a 2V4 AslaPIp 68 '4 -016 AscFCaps365ie -Vie AslraZen 42 3is V16I S16 AtlRich 868 -78 14 AutoNatn 12Vw V16 1 AutoDtas427i6 4 Vie Au1oZone25'Vi6 -e -11 Aviation d20ie -a -Vi6 Avon 371316 -16 -2V8 FPLGp dSOte -7e35i6 Mattel 21 Maytag d334 McDerl 2011ie McDnldss 43 McKHBOC29'5ie Mead 35 MediaOne64Vie Medilrust d8e Medtrnlc 67V4 MellnBk 33 Merck 66V16 MerrLyn MIcrnT u80'4 MMM 91116 MirageRst14Vie Mobil 98 ModisPro(137i6 -Ve -IV2 -Ve -14 -1516 -44 -1318-1 '16 316 316 -'516 -2VB -7 -514 -12-21516 116 -S16 -16-10V2 12 114 -2V2 -26 "16 -2 16 48 -3 716-6 716 -78 316-6316 -316-2 S16 rrcnioa nuJi6-i vte-li'te Famnir 2ntifi x1 j.11.o improving world economy. stocks will cost your heirs a lot less. As with instruments such as IRAs, if you withdraw funds before age 59 12, you'll be charged a 10 percent penalty.

Better be sure FanniMae6Wi6 IV16 -13 FedMog da'2 steep. I hey 11 typically scarf up m6re than 2 percent of your holdings each year, According to Momingstaf. That's negative growth. On a $50,000 account, you'd be forking over some FedrDS ConcNets 19Vi -M-Vh ConcEFSs 22V2 -'4 -1 Conexnl u737b -3316 -5Vie Connectlnc fVs) 316 ite Convrgnln 11 's CopMnlnn (M 1451 5'4 CorTher 20A -tt -5'-e CoielCp u7fie 1 CorpExp 9'764 -Hi t81 Costco 72Vis 2 4'3ie CltrPhr d153 -is -3V CovadCms 425i6 -2i6 CreeRsh 35'si6 -2Vw -73ts CuslmTrk 30s 13 CybergkJ udIO7 -1Ve CybrOtp 8V2 tte DellCptr 43" 18 ''-16-516 Dendrite U40V8 -1'4 -8H DnssPc u4'i -1e 1711 OigMic 14'8 316 -1 DigRiver 22 1'6 DbleCfcks 116 5 drkoopn 1ST -Vie -VH OurbanRo Wt ETrades 227'is -lt aBaylnc 146V 71316 5'i6 -2V4 Erthllnk At hi 53ie 7'is EchoStar u89'2 1 -7'4 EclpSurg ulTVl At 2'8 eGainCmnud2134 -11 Egghead 6'3ie -3i6 EfcArt 707B -'Is -378 Emuslcn I6V4 -73 Enzon 287s 1 -VI E.piphn urJ413i6 27b EricTel 31 V4 eToysn 59 3 -2'8 ExodusCs 74Va -2-1316 ExINetwn 56 1 -1 FVC.com 14 Fastenl 464 -2 -5 FlthThrd 61 27i6 V16 FslHllh 22'516 1 316 3 FSecCp 23316 1V16 FSentBc 7'Vie -Vie -Vl Fiserv 31 Vie ie -1 Flextms 6OV16 1 14 1 4KidsEnt 31' '3if -2' ForteStt U265 '4 '4 GSTTeie 75,16 1t-3i6 Gadzcoxn 6I3 -'A -SVe GalileoTs u27 -m -31 Gden.cmn ud17 -1 -T3t6 Gemstars u76Vs 6'i6 10 GeneLTc At V11 GenMcr 20 -3 GenesyTel iriO'a i 3'e GenzymGn 50'2 27i6 -47a Geoworks 35i6 -V4 12 Gettylm 24 7'16 Gilead 77si6 '2-1i5ie Glenayre 3Vs -'a Vs GlblCisss 25 -Vie Globllnd 8 -5n -1 GlblTeles 20Vb -13 -2V4 Gtobalstr 24 -1 Go2nets 66 -i6 -2V2 GoTo.cmn 49 3 9 Harbngr 15i6 -V16 1 Harmonic 112'i6 Heallhnn 39 -17e -1 HlywdE 14 -1V4 HuntBnk 26 -st6 -1 "16 HyperFeed 9Va HypTele u24'2 1sn 4 i2Tech 377i6 -1'i-27i6 ICG Com 16'S'16 -1-5'i6 COS -'12 732 IDEC -3'a -1378 IDTCorp 2316 -'2 IXC Com 36'2 -14is ImageXn 13'5ie 1V -25 Imungn 2 V16 2 Imunexs 46X-16 'i6-6is IndusMate 3 -Vie "is Infocures 16'5ie -4 Informx 73i6 -Vie -2132 Inloseek 27 -1VS InfoSpces 3734 -34 -8 InWomis 130 -1 -1 IntgDv u21'A -1'A -23i6 ISSI U9'3I6 -5 Intel 754 -134 -8164 Intactlnln ud244 Intrface d5si6 -'64 -23ts IntmdCm 19Vi6 '3i6 -4V16 ItrntCapn u92Vb -27b11Vi6 Intspeed nud185i6 IntVcsBrs 10 Vu -'ll Intrawren 26'8 116 6 SummitB 31Vb 'b -7i6 SunGardd23'3ia -Vie1 5,9 Sunoco d277 -'Vi6-3'ie PIsyBy 4' Powertel u524 -2Vii1s prlcellnen 65 Vi7Ms PrchFTonu33' 3V 7 Qloglcs 808 -38-1J Quatons 27 -7 Quinliles 197 1 tV OuormH Ve -1 OwestCm 28 -1j RFMicDs 464 -17i2 -8 RSASec 24iVie -1U-1H RSLCm 19 18 Rambus 71' -16 -17 RatnStl 29Vi6 -Vb -2 RzHlshn 4lVi 10 ReadRI 41 -V -V RealNwks 99V 5 RedHatn 102'ie 1V -5V8 Redbacks118'3ie -18" RegionsFn 307 -1V8 RenaisW 3'i6 -74i '8 RschMotn 26Vi -2'i-o RexISun 143s -8 -8 RythNetn 31 's-4' RosnB 18 Vi RossStrss 197i6 -8 RoweCmn 24 -1 '8 S3 Inc 98 4 -'V8 SDL Inc 76 -P -11 Safeco dSOVs -Vie-3Vs SanDlskn 681 134-19 Sanmina 757ie -5Ve SantCrz 118 1V41Vis Sawteks 32'e -IV SeatlleF 4'i6 tVie SlebelSys 67i -2 -5V4 SSTn u13Vt -4 -3 Sinclair KPta 4-5'4 SmrlMod 32' a -Vie -3 SmurfStne 21 -2Vl SovBcp 98 -V2 -V4 SportsLn 30" -184 Stamps 38V4 1Vl Staples 21 Vie 1Ve Starbckss 23' 7 1' StewEnt 57 V52 -Via SumlDsg 27 -Si -Ve SumitTc 17" -V -1VS SunMics u90k Vb 1Vi SunrlseT 4 tt SupConsI (J11V4 -11 SylvnLm d16 -2 Symnlc 32'i6 -18 -38 THQ u41'A -'B 37 TakeTwo 11 4 Talk.com 11'si6 -Vk TecbDala 26'A -17 -'8 TechSol u14'A -Vs 1 Tekelec ISM -Vs Tellabss 574 1 -2Vi theglobes 12 '7 -8 3Com 27'4 7 -8 3DOCO U83VJ1 7jl 1'i 3Dlxlnl -Vs TcktmsBn 24'8 -1' Topps 7716 1 -V4 TmSyA d25ie -8 -4 Trintech Ud14'16 TnGuinl u62 1 -6Ve 247 Med 32 -'A 2Ve USANtw 39B -18-JiS) USWeb 30 Vi uBIdn 23V ft UnlfyCp u21' -24 Verbs 297 Verisign 102'e -27 -81 Veritas u77'A -b VrtclNets 32Vb -41) Viatel 2638 278 Vignette 62 Vb 1810n VirtualFd 3 1' VisbCo 39'A -14 -2V4 VISXs 691516 3Vb -4V4 Vitesse uB4'a -54 -8i8 Vilrian ud398 V8-aVs) VceStrmnu6678 -2V 10 Webslksn ud11'2 WWirelsss u45'2 -58 -1 WhlttHrt u36'Vj2 tinsisiVii WholeFd 33Vh -3i-4 WindRvrs 19Vie "8 'Vb Winstar 52'A -Vl Worthgtn 157s Xilinxs 65'S16 338-68 Xoom.cmn 437 i8 1 Yahoo 18358 9b20Vs) yesmailn ud14 18 ZranBcp 54 48 78-1 IS16 -'4 -Vt -3-1 FstData FstTenn FstUC -3 Do you have an embarrassing lesson learned the hard way? Boil it down to 100 words or less and send it to The Motley Fool clo My Dumbest Investment. Got one that worked? Submit to My Smartest Investment.

If we print yours, you'll win a Fool's cap! t3 V4 -1 Firstar '2 BJS 33l6 -1516-2116 BPAmoco 108 -13i6 -1V4 BakrHu 284 'ie-37W BankOned344 -Vie -2Ve BkolAm 574 3V1ii6 BkTokyo 144 -V4 -'A BkNY 33'A 716 -2 BkBost 43V4 1a 1116 BarrickG 203i6 V4 15 BarryRG 6V4 -21 4 6 -1 Via -7l6 V16 Vie 1 Vie '4 -2'4 SunTrst 65Vre Supvalu 20'4 Sysco u33 Vie TDWtrnd137i6 TJX 27iVie 52-Week Daily Wkly Wkly YTD High Low Name Last Net Chg Net Chg Chg Chg 11,365.93 7,467,49 Dow Jones Industrials 10,279,33 11.96 3,797.05 2,282.18 Dow Jones Transportation 2,878.72 336.03 286.11 Dow Jones Utilities 294.73 663.50 462.69 NYSE Composite 589.54 821.83 554.70 AMEX Index 771.79 12.02 2,897.53 1,357.09 Nasdaq Composite 2,740.41 24.98 1,420.33 923.32 1,277.36 3.92 465.80 303.87 Russell 2000 417.09 12,976.99 8,620.80 Wilshire 5000 11,675.90 3.17 AMCCs Applll mil Ariban u177 Ashlotdn ud125B AspclDv 257-16 AspectTel 1S3is AstoriaF 30sis AtHomes 3SVn Atmel 36 autobytel d12s Autodesk d22'a Avanti 17Vs Aware 33V BE Aero 121 BEASys u30Vb BMC Sit u65Vi6 BaanCo 15i bamboo 19 BncGalic 18'Vi6 barnbl.cmn IBVie BedBath 32' 4 bynd.com 137b Bld.com gn 5'S! BloPharm 23 3 Bkxjen 79'5i6 Bbmet 26lsi6 Blueslnen ixHB BobEvn 2M BttmlnTn d16 Brightpt Wu BroadVIs u129's BrdbsSfln ud21'! Brdcom Wl BrcdeCon u2177'e Brooktrt 15'a BusnObj 557b C-CUBE WX CDRadlo 23S CMGIs 84U16 CNETs 51716 CambTch 143i6 Cellslar 6'5ib FleetFnc p9 1'A FordMot e'Vie V2 -V4 FtJamesiS'Sie -3i6 FOUndHI104 -516-2 Vie FoxEntl22l6 S16-1 716 FrankR30i6 7i6 FrartMai S11A 4.5 51fi MClWrtd MMCNt 30 MP3.cmn 44is MRVCm 19V2 MTITch 227a Macrmdia 41 -Vie Maxim 6716 Maxtor 51 MaxwIlT d114 McLeods 36'2 Medlmuns1037'i6 MedQst 3251 MenlGr 8si6 Merclnlrs 59's Metamor 17 MlrmdFs Mlcroclln u12 Mlcrachp u52i MfcronEI 12'16 Microsft Mfcrtest u3i MlndSpr 30''i6 Molex 3616 Mrtg.cmn 121 16 msicmkrn 1234 MyPointsn 17'Vie NTL Inc 98 NelBank 22V2 Nsl2Phnn 62'2 NelGrav 323ie Netopia 33 NetroCp 27 Netsfcnn urJ12'4 NetwkAps u72'2 NetwkAsc 20'e NelwSols 66'5'ie NelZeron ud29's NewEras 2 1'4 NextelCm Nexteran d4 Nextlinks 49'5i6 NichRs 25 NorthPnt 19'3 NwslAM 25' Novell 2016 Novlus 644 Novoste 1714 NvidlaCpn 13' 3 ON Tech 43! OhioCas 16si6 Omnipoinl u60 OpenMkt 12'2 Oracles 4216 OutbkStks 27i6 -2 -21 -I6 -2 9'i11'Vie 516 -34 Vl -3'A -4 -1'A -51 -Vie -Vie -14 -778 1 Vie 17ie -3516 -8516 2-2'i6 '16 43 -2 1 '316 -Vl6 2 -2V2 -615 -114) -14 -512 -Vie 718 -16 -1 -1V1 '316 -V32 -3 11'Vll 3 416 116 -1 -1 -1'A 'A -2 Vie 'e 116 1V2 -vi -ii -2342 -10V4 -Vie -1'A -2 -4 -Vie -te -'316 -2Vl6 'i I8 -1 -3 -14 -4'2 -11316 -6'4 32 12 -'A -1V4 -2316 8'e 716 -17 -1Vl6 -1 -118 TVXGId 1Vi6 V16 14 TaiwSem 29 -V4-3V16 BatlMt d23ie 316 1K Name That Monsanto 35 -Vs -3 MSDWil 8778 1V2-316 Morgan 117 Motorola 827e -66 MutRlskd18isi6-4Vi6 -7 Mylan d188 Ve -'3ie NCRCp 30Ve ie -476 NabiscoGpd156- 3w-25i Nalco 7k 2Vb NallCity 3ie -3ie NData d25Vs -8'3ie 12516 Mi wB a se MB SssH FMCG 145 7,6 l4 -1 -3V2 -16 -8 1111 -( -Ve -'2 Baxter 598 BearSt 40 7M BectDck 268 BellAtl u64e BellSos 44V8 BergBrsdtO Company I'm 70 years old, t-remqiis h4 -3ia -8 FrontrJp 49V2 -V4 12 Fruitli 3 -5ie 18 offers to buy back shares of various stocks. If I hear of such an offer for a stock 1 own, should I sell? Tandy 48 Vie 3ia -5ie Tektrnxu33Vie 7ie-3'5t6 TelNorLn 16'A -Vb '4 TelBrasll '32 '64 TelBrasH 785ia V16 -7i6 TelArg 25'5ie -'16 -2'8 TelMex 704 -1 3ie -1 Telespn I6V2 6-l'ie TenetHIt 164 -7ie Tennco d16'2 44-1 'Vw Teradyns 37V4 -1Ve -36 7ie -IV2 Furnfrds 175ie V4-IV16 -whs. wmr -3l6-2'316 -116 -Vl6 -78-4Vl6 you won't need that money soon. Variable annuities offer the option of annual payments. But you could achieve annual income effectively in other ways, such as by selling off small portions of stock holdings each year.

Plans such as 401(k)s and IRAs are typically more effective for socking away money for retirement. Consider maxing those out before looking at variable annuities. Take the time to learn more about annuities before plunking any money into one. Furl U2516 316 878 NtSemi u32Vib NewbNk 26V16 NewellRubd27V4 NewmtM22'i6 $1,000 annually. (These fees seem to be dropping lately, though.) Earnings grow tax-deferred in a variable annuity, but when the tax is ultimately paid, it's at your normal rate, which can reach 39.6 percent.

Compare that with the long-term capital gains rate of just 20 percent. Even if your tax bracket isn't very high, if you choose to withdraw most of your funds at one time, that will likely kick you into a higher bracket. It usually takes at least 15 years before the performance of BestBuy 564 -1'A V2 Bestfds ie -Vie BethStl d6'8 -11ie BlackD 4616 -2Ve Blytrt e-2Si6 Boeina 42Vie -'Vi6-1i6 183 716 NewsCorp28'5i6 516-1VI6 316 -76 Texaco 63V4 "i6 -2V2 but my origins can be: traced back to the mid-1800s. Within my: wails you can shop at I 7 N6WSUpA27Ji6 NiagMH 15516 NikeB 53'3i6 NobleDr 22V4 Nokia 88516 -516 -'Vie 14 7l6 -4-3318 11 'Via --1 516 Texlnst 837a Texlltil d357a Textron 75'ie ThermoEl 132 Tidwtr 274 Titlanysu58716 TlmeWrn s59Vb THillgr 286 Tosco 24s -1 -2'4 '4 -'Vie -1316 -18 -S16 -4' -Vl6-5'l6 -114 -71 -Ve1 Vie 7B-27l6 -'B-1'516 -a-21316 8 7B '316-1 'Vis '8 -1 -4-1 516 2 18 -6 -1V2-1VI6 1V4 -2 -I316 -4V8 -3 -1 516-1 16 16 -58 516 -3'2 1116 16 -12 -14 V16 -1Ve Wkly YTD Wkly YTD Name Div PE Last Chg Chg Name Div PE Last Chg Chg .88 18 425b -3 IntPap 1.00 48 -25e 7.9 AEP 2.40 13 345i6 -lie LancastrC .60 15 33'5i6 -1Vi6 5.6 Apldlnov 12 3i6 Vs 10.9 Limitd .60 25 36 7i6 -1 25.1 BarryRG 17 61A McDerl .20 8 20'Vi8 -1716 BobEvn ,36 14 20 McDnldss .20 34 43 316 12.1 ColumEn .90 17 56 7t6 -116 MMM 2.24 29 -67i6 29.1 Fastenl .04 30 46 -5 6.3 NewellRub .80 34 27Vs -4Via GnMotr 2.00 8 62V16 -3 5.0 RalsRP .40 22 281'16 GlimchRt 1.92 19 16Vs 16 2.8 SonocoP .76 14 225ie -116 Heilig .28 ValueCty 16 13 '4 Hexcel 12 77ie Wendys ,24 24 1'A 17.8 IBMs .48 31 125 35.5 Worthgtn .60 22 15716 -Vb 23.5 Macy's, Bloomingdale's, Burdines, Rich's, Lazarus, Goldsmith's, -s -l'ie -Ve t'lK 3'8 -1 -24 -3' -6V2 -i -2Vb siai -i -10Va 'te 1'8 5 Vie 13'8 -2 -4Vl6 -224 -1316 -3 -116 2 5'ta tte -1'8 -7V 3'16 41316 3VI6 13Va -316 -11 -2' -Vie -a -Vie 316 -4'4 -2'16 714 -Vl -4s 1'3I6 -3 -1316 -4JlS -i'K -411 316 -18 -ft -1 -4V2 -3SI6 -5'4 -'316 178 -'is -1'I -3 3 -7ie -Vie t'316 -3516 1'4153l6 14 -1516 -IVl -24 54 -4 -4316 '316 BoStScI S23B16 -1316-31116 BrMySqs 69V2 V16 -5 BurlNSF d27Ve -'e-2Vie BrIRsc 36V4 -15ie-43ie CBS 461116 -11316 -36 CHS El dl'A -e CIGNA 90Ve -1V4 CKERst d7V4 CSX 42V16 -78 -1e CVSCp 4016 14 -12 Cabltm 16e 1116 -3V8 Cadence 13'3i6 -Via Vb CallGolf 12716 1516 Calplne 817A 1a-107 574 1' 23'b 83 NorflkSo 251316 NortelNws46'5i6 NoFrkBc 19Ve NoestUt 18Vb NovaCre 1Vi6 OcciPet 226 OflcDpIs 10e Olficemax Ogden d93i6 Omncre 07 Centocor CEurMda ChtOneF ChkPntn ChkFroe Let's estimate a rough fair value for Coke's shares. Over the past decade, the profit per 8-ounce serving rose from half a penny to nearly a penny, as technology improved efficiency.

(Applied to more than a billion servings per day, that's a lot of money!) In 10 years, profit per serving might hit 1 .4 cents. One share in 1998 entitled the holder to the profits of 152 servings, up from 66 a decade ago. In 2009, if share repurchases continue and Ivester's growth expectations come to pass, each share may profit from some 350 servings. By multiplying 1.4 cents by 350 servings per share, we get an earnings per share (EPS) estimate of $4.90 for 2009. Multiplying $4.90 times the past decade's average price-to-earn-ings ratio of 30 yields a 2009 share price estimate of $147.

Based on a $147 price target in 10 years, Coke would offer an average annual return of 11.3 percent if you bought shares today at $55. The return jumps to 13.6 percent if you buy at $45, and 16.4 percent at S35. Coca-Cola doesn't appear to be cheap yet. But if the price falls further, this great company would deserve the attention of long-term investors. CE, Lansing, Mich.

A Probably not. We've seen a bunch of these offers, and njost seem to be scams. Earlier this year, for example, a firm offered to purchase 75,000 shares of Host Marriott stock for $9 per share, more than $2 below the going market price. Whoever sold to the firm must not have realized that they could sell at a highet price through their bro ToyRU 15'4 V16 "ib 1tD The Bon Marche, Stern's Transocn31 3ie -7b-3'3i6 -316 -18 -1116 -1B -Ve -18 -14 -1 -12 -V 716-21S16 316-1 1M 3'4 6 -'116 -1 -1 -1V2 -12-4 Vie and Fingerhut. One of my 1Va 178 -114 -9V4 executives convinced F.D.R.

to CampSp 41 Va -5i6 CapOne 39s 'e1 5i6 Omnicom 757e OrbitalScid174 OrionCap 466 Owensllldt934 -2 12 -3V4-2516 -1 12 -516 -26 -'A -2'4 -1-21316 -1'2 CardnlH sd54a a Tribunes 48a TriconG 414 Tycolnt 100 UAL 67'4 USWest 54 5ie USEC d97 USTInc 30Via USXMar 296 Unicom 36'16 UnilevNV 686 CaremkRx63ie -3i6 -1 extend the Christmas shopping season by changing when Carnival 43 -2 -2Vi CaroPwd357ie -V4-IV1 niiL Caterpillr 54Vb -3ie-43i PEBiosys71 i'i6 -2-35w PECO 377 1 7ie -3Ve Thanksgiving occurs. I filed for -t 14 Chemdex U281 ChikJPIc China.cmn 655i6 Chiron CienaCp Cintas 55Vi6 Cirrus Cisco 69 CitrtxSy u62 Clearnet u183'i6 CstFedLrt 1Vb Colnstar lit ColGenex u1834 Comairs 15 Comcsps 34Vi6 Com0nenu115'4 CmplBusnd13'3i6 CptNwk Wit Compuwrs 28 -ie 13! LAST WEEK'S TRIVIA ANSWER Incorporated in 1977, 1 now employ nearly 8,000 people. Customers tend to fall in love with my products. At my core is innovation. Peel off my plastic outer layer and you'll find a determination to succeed.

Strawberries, blueberries, grapes, tangerines and limes spiced up my sales recently. I've sold more than 33 million of my key products so far. My net profit margin is about 13 percent, received more than 140,000 orders for my latest product, even before it was launched. My name stems from my co-founder's time on a farm in the Northwest. Who am (Answer: Apple Computer) UCarb -25i6 -53A PGSECpd25'2 -6 -2V4 Cemex nu23'i6 -Via bankruptcy in the early '90s and -Vis 3 -13 4 -II 2'A -3' 31 -2732 -4 -14 -1' -Vl -Vl Ve -Vie -1 -'Vie -Vie -7 Vi 316 11516 261732 4714 -V ker, if they wanted to sell at a P-Com 6V2 PMCSras 893 PSINet 3916 PacC d47'A PagingN (Wji PairgTch 11's'it ParmTc 13'3ie PaltEng U15'18 Paychexs 32'io Peoptesofl 1 7'i6 Peregrnesu38i6 PetsMart d3'3 PharmPdt 13 Phmcyc 41'516 Phne.cmn u183 PhyCor 4V2 I Cendant 17'5ia e-13i CenSoWst21 s16 -Sis CntryTels 39'2 Here are the 525 most active stocks on the New York Stock Exchange, the 400 most active on the Nasdaq National Market and 100 most active on American Stock Exchange.

Mutual funds are 1,115 largest. Stocks in bold changed 10 percent or more in price. 316 -316 -516 -I5 3 -3ie -8 Vie -216 -2'2 PNC 52 PacilCp 19 '516 PainWeb 35'2 ParkPlcn 11 ParkDrl 416 Penney d34 7i6 have since improved my condition. I've been running a popular parade Ceridians 264 -1Vte -11 ChaseM 756 Ve-2 If you receive an offer you don't understand, call your bro keragj; or come to tomfool.com UnionPac 50 UPacRs 15Ve -e-1i6 Unisys u43Ve Unit 7V4 -6 -516 UHlthCr 58'2 -26-2 7ie -V16 1Vs US Bancp 29V2 V4 V16 UldTechs 57'2 17i6-45i6 UnvHIl d23'Vi6 -5ie -2V16 Unocal -3A -3'e UnumProvd316 -1 -2Ve Chevron 88 -1ie Name: Stocks are listed alphabetically by the company's full name (not its abbreviation). Company for 75 years.

I operate about 400 -8 516 Chubb d52 -1-4f6 PepsiCo 31 '516 516-1 "ie CinnBell s18u-M'l I 435l6 -23A -57 316 -16 -e -e -36-11316 -1716-61316 12 -4V2 516 516 1421116 -2V16-41316 7l6 316 -18-1 -Ve -t6 iH 1 -116 14 -1V6 2V4 -4 -l -e Vie -Vie -12 -'Vie -37a-87ie V18 316 --1 "ie S16 -1 S16 -518 -1 6-1Vl6 2Ve -IV2 -7l6-1'5l6 Pfizer 344 names maae up ot initials appear at tne beginning ot each letters list. Last: Price stock was trading at when exchange closed for the day. Chg: Loss or gain for last day of week. No change Indicated by Wkly: Loss or gain tor the week. No change indicated by find out what it means.

stores in 33 states and am the largest company in my field. In 1998, 1 raked in 484 516 4 PharUpj 5416 -1 '516-3 ipu PhilMor 345,6 -tvB PhilPet U49V2 CirCtyCC S37V2 4lt Citigrps 434 fi6 ClalresStrd163 V-f ClaytnH 'A fa ClearChanu75a -V2-FI6 Cloroxs 40a -3i6 rtV Coastal 40V2 -nnJsie CocaCI d51'a 3ie'278 CocaCE 24516 ColoPals 49V2 4-28 -46 -4'4 -1'8 -16 'ie -7ie PiedNG Write to Us! Send questions for Ask the Fool, Dumbest (or Smartest) Investments (up to 100 words), and your Trivia entries to Foolfool.com or via regular mail co this newspaper, attn: The Motley Fool. Sorry, we can't provide individual financial advice. Name Last Chg Wkly 307 Name: Name of mutual fund and family. Sell: Net asset value, or price at which fund could be sold, for last day of the week.

Wkly: Weekly net change in the NAV. MeasSpclu19'5i6 -2 -1'4 Media 50 -1 -Vs Pier 1 almost $16 billion in sales. Who am Know the answer? Send it to us with Foolish Trivia on the top and you'll be entered into a drawing for a nifty prize! SP Basn225tn SP Engy 27 SPFnclnd22'4 PlonHiBu38'5i6 7l6 -3lB Got a question for the Fool? Send it in see Write to Us PitnyBw 58'A -1 Vie -2'2 AMC 12'4 -Vt AllerraHII d9'ie -7 -Vt AQnlCycnu3'Vi6 -Vie AmShrd u4'Vis -1Vie -1'4 VFCp d31Vie V16 -Vie ValueCty 13 'ie '4 VKSrlnc 9V16 -Vie Varco 12' -'2-1516 Venator 87ie -'Vie ViacomB s435i6 -1 Vishay u24'ie -V2 -11 VodafAirT u230'2 PlacerD 11 310i6 Metromda 4V4 -1 MlleStnScl1516 -116-1318 MSSunOI nu7e -V16 MSCSCO01u6a -Vt -Vi Munvst dBVie Ve 1 NTNCom 1Vs Vis -316 NVR 54 -Vie -7 -Vie ColumEn567ie 3i1ie ColHCA 21'5ie DevonE 41 14 EchoBay 17ib EnzoBi 29 FAusPr 63l6 Flightserv u6 ForeslLab 428 FrkTlcm n2i'ie GaylCn 64 GlobLTgn 10'2 GldSlarR 7is GieyWolt 2'5ie HalterM 5'2 HanvDir 1 1316 laO Copyright 1999 The Motley FoolDist. by Universal Press Syndicate (for release 92399) -iM'Vie Polaroid 26'A Praxair 411 Premark 50 7i6 Prldelntl 137 ProctG 97516 ProgCp d84V2 Ampex 3 AndreaE 6'2 Audvox 15V2 Autotote 2I5I6 Azco 1 -1 -'A VS -'4 -lS -516 -'516-1 '3l6 -16 -56 6 16 -76 -3 78-31316 -7-12V4 -516-1 316 '4 -1 -78 -516 SPTechn41S2 StillwtrM s22'3ie Stratesec Kn TelDta u84' TitanPhmtOVis TltanPh wt 4V2 TWA 34 TubMex 11 US Llq UTIEng 19 Unilab 516 Unlmar WalMart 46'2 Walgrns 24 Via WarnLm 637a WA Mutl 28'3i6 Nabors 25'3ie -Vi -27e Nasd10OTnu12Of3242 Comdisco I8V2 CmcFdl 19t CmpUSA 61 Compaq 226 CompAs 56 CompSci 64V8 ConAara d23 -V -3V4 11 -016 -7J -18 4 -1V4 -f4 -316 '2 'IS 316 -18 -4 -316 51 716 -12 -3 Vie -Vi -1V4 -14 -1V8 Via -116 -Vie -Vt -'16 Vl6 Vie -Vi -3 1116 -7B -2' ...11318 Ve -Vie -5-1Vl6 16 V16 -18-3 716 rromusn 6132 NAVacc 6 -Vs -1 -7ie -4 WsteMlncd197ie -5s -9i6 ProvidFs 82 -3 s16 BemaGold 4 Vis 3ie BIOndT 7'5l6 316 -1316 BootsCts Vis Vis Vie BritATob 15'3w -'16-1316 -3't)4-1 -32-1 42 -Ul 2-2 -Vl6 -14 Vl6-1'B 11 -Vie -Vie '4 -Vie -1 -'516 -S V16 Vis Vu -V 2VI -16 1' -VIS -Va -518 -Vl -Vie -Vie -14 5128-71121 116 -Ve -316-11316 -1V2 PSEG 376 QuakrOat 63'4 Early virtual community calling it quits in Cleveland On2.com 1111 Vl -Vl -2'4 Organgn V16 -'s Cablvsn 727e 1 V16 -2'ie Stock Footnotes: cc PE greater than 99. dd Loss in last 12 mos.

New 52-wk tow in week, Oividend In Canadian $. Stock price in U.S.S. New issue in past 52 wks. Closed-end mutual fd; no P6 calculated, Spill or stock div of 25 pet or more in fasi 52 wks, Div begins with date of stock split or dividend, New 52-wk high in week, Trading halted on primary market. Unless noted, div rates are annual dlsbursemts based on last declaratn.

pf -Preferred, pp Holder owes installment(s) of purch price, rt Rights, un Unite, wd When distributed, wi When issued, wt Warrants, ww With warrants, xw Without warrants. Dividend Footnotes: a Also extra or extras, Annual rate plus stock dividend, Liquidating dividend, -Declared or paid in preceding 1 2 mos. I Declared or paid after stock dividend or split, Paid this year, dividend omitted, deterred or no action taken at last meeting, Declared or paid this year, accumulative issue with dividends In arrears, Declared or paid in preceding 12 mos plus stock dividend, Paid in stock in last 12 mos, estimated cash value on ex-dlvldend or distribution dale, Ex-dividend or ex-rights, Ex-dividend and sales in full, Sales in lull, vj In bankruptcy or receivership or being reorganized under the Bankruptcy Act, or securities assumed by such companies. Most active stocks above must be worth $1 and gainerslosers $2. Mutual Fund Footnotes: Ex-capital gains distribution, Previous day's quote, No-load fund, Redemption fee or contingent deferred sales load may apply, Stock dividend or split, Both and r.

Ex.cash dividend. Source: The Associated Press. Sales figures are unofficial. lie Ve -Ve -34 -35 3 -4 -6-1 16 -'316 Osage "ie PLCSys 2'5ie t'ie PaxsnC 11Vi -'3ie OtmDSSnd146 QtmHDD 7'4 R8BFalc13'5ie RJ Reyn 28'e Camblor 2 Cdn88E gn2'i6 CanyonRs 3ie Harken d13ie Hemlspx 7 HooperHs21'2 ImpacMlg ImpOil 20 Instron u2178 InterDig 55i6 IntnlHTrnudl 063A -2 V2 178 316 -t'2 716 -1 '6-3'3l6 -8 -a -116 -14 -'116 -4 3 -e a -28 18 -'516 -18 -14 18-1518 Waters 58 ste -1'Vie -8e WatsnPhd29Vie -V2-37i6 Weathlntl 32 -16-4'5ie WellptHIt 656 5 -3' WellsFrgo39'5i6 1 V16 1b Wendys 251116 V4 1'4 WDIgltl 4S16 3ie -'2 Wstwd0neu51 7i6-3i62'3i6 Weyerh 559 'ie -4'4 Williams 351316 -7ie-5ie Wyndham 33i6 -Ve Xerox 42'5i6 3t6 -7i6 ZDnetn 207re -1V425ie RalsRP 28" 16 Pennacon 11 PriceCmu23'i6 RobertsPh 28 -116 3 3 'ie -Ve -Ve 'ie 128 -'64 ConocoA -2 ConocoB nd257e -17 Consecod20Sie fi6 -2s ConsNG 62 JH ConStor 19 f16 CtlAirB 32716 CoopCam 384 i'2 -24 CoopCo u29Vie -e i3k Corningln 637e CntwCrd 34Ve -W 3'2 Covance d86i -'A -a CoxComs39e 12 -16 -1'B -'116 V16 -18 3B -516 -316 RaythnA d44 -1Vie -64 USBiosclu1438 US Cell u61 'Vie VDCCm eh Vl VistaG Ve WEBGer 20'2 WEB Jpn 13 WEB Mai 5Ve WEB Mex124 WEB Sing 7 WEB UK 19'3ie ceisci 3 ChqmllntM '516 ColLb 7 Cryslllx gn 93128 -16 -68 5Ve Sellcare 2'5i6 SensorySci 2Vt -Ve -3ie RaythnB d44V2 RellaStr 36e ReliantEn 27 RepNY 61i6 -8-67l6 -7l6 -1V8 3 1'2 -518 316 IvaxCp I6V2 JanBell 3'e Kafusg 9 Keane 23 Vis SevenSeas 3'4 3ie SPDR 12734 -Ve Cypros 2 DJIADiam102a'64-4-54764 DsytonMn Vie Ve4 14 Vie -Ve -Vt -34-21516 RepubSv 11 by the wayside." Dan Updegrove, Yale University's director of information technology services, said he views the demise of the Cleveland Free-Net as a bit of Internet history fading away. "The Cleveland Free-Net was absolutely one of the pioneering network applications," he said.

"It certainly predated the Web. It indicated how a university could fulfill its public service mission in the modern age." SPMid 72Ve -Vt -34 I LgCapValnx 23.12 Name Sejl Wkly Fidelity Advisor BalancT 18.12 AAL Mutual vista 13.55 Amer Express BlueChipx 11.68 Bond 4.84 CapGro 3450 -1 .62 PSBaln 15.92 SciTchn 53.14 SmCapStkn 20.97 SmCapValn 18.67 SpscGr 17.07 Specln 1096 62.29 27.10 16.79 Putnam Funds Dvrlncp 10.75 02 HYAdvp 7.79 Income 6.47 .05 Putnam Funds George 17,46 GrSInc 19.87 MidCSl 14.14 Discovery 10.01 EqGrTp EqlnT GrolncT GrOppT HiYldT OvrseaT Managers Funds: SpEqn 68.03 IntJEq 53.17-1.15 Marshall Funds: MBdY 9.24 03 Marsico Funds: Focus 1731 GrSlncp 16.19 Mass Mutual Inst: BalancdS 13.81 901 'j DEI 11.19 14.62 EqSelect TxFree 9.34 -01 AARP Invst: BalSSBn CapGrn GinieM Grwlncn First Funds: Grlncln 25.14 First Investors A TaxExptAp 9.91 Firstar Fds Inst: Eqldxn 86.33 -3 93 Rag Investors CommAp 37.04 29 ValueAp 23.02 Fortis Funds: GrwthAp 30.75 Founders Funds: 19.60 SlrlncAp 4.34 .01 TolRtAp 12,55 USGvtp 9.24 04 OppenheimerB: CaplncBt 1295 GtoblBI 47.81 MSGrlnBt 41.07 SlrlncBt 4.35 01 TotRtBt 1242 MSGrlnCI 41.07 StrlncCt 433 Oppenheim Quest QBalA 15.78 QBalanB 15.66 TxFrHY 11.81 Investors 15.32 19.38 62.08-2.30 14.7(7 .09 48 17.7! EqtyValx 110 Extralnc 3.8 -33 Fidelity Freedom: Value 18.56 NewOpp Fedlnc 66.07 14.27 24.45 REAL SERVICE FROM REAL PEOPLE. THAT'S STATE FARM. Trust one of these State Farm agents with your car insurance: TxFBdn GtobalBond 5.85 Vista Voyager RS Funds: USStkldxn 24.32 157 GkfcGrth Prudential Fds Ml: JennisonGrZ2032 Slkldxln 28.86 SlkkJxZ 28.83 Prudential Fds CoreBdS CoreEqS IndxEqS IntlEqS 10.92 09 17.48 12.23 12.47 1374 Grov HiYield DivMun 13.48 NYMun 13.37 TxModMIVI 19.82 -33 IntVaE 19.90 EmgMs 17.72 BlackRxklnstl: CoreW 9.37 .05 tntlEa 15.67 LgCpGrl 22.45 -1 06 LgCpVllx 15.68 Mariacadl 9.97 .05 PATaxfrlnc 10.54 SelEdx 20.78 SCapGrl 24 85 -135 Brandwine Fds: Funln 34.69 Brszts Funds: SnlCap 16.33 -66 Bhr8on Funds: USEqtyn 18.42-1.05 COM Funds: CapDev 23.13 IM 27.76 Calvert Group: SocialApx 32.02 TxFLtdnx 10.65 Chase Vista 1.69 -25 Balnp BasicSSPr 26.93 CalTxr 14.11 .01 Discp 38.45 Dreyfus 11.59 -49 Drey500lnl 37,98 GNMAp 14,24 ,07 Grlncn 18,94 -80 Intermnr 13,42 MunBdr 11,65 NwLdrent 45.40 NY Tax 14.63 ThdCnlrn 13.14 Dreyfus Premier: LtdHlnBp 10.81 WWGrthBI 32.39 Eaton Vance CI CapExch 481.50-18,90 InstSny 72,15 06 TxMgdGrA 19,47 -76 Eaton Vance CI HilncBI 722 NatlMunBt 9.79 TxManGrBt 19.03 Eaton Vance CI TaxManGCp 18.28 Enterprise Group: GwthAnp 21,88 GwthB 21,33 Evergreen SCapVS 41.57 4.42 12.37 1046 12.89 30.69 EqutAp 19.63 EqlncAp 17.93 MergerFdn 15.17 .02 3734 36.64 69 FF2000n 12.55 FF2010n 13,76 FF2020 14.58 Fidelity Invest: AggrGr 42,55 AMgrn 17.25 AMgrGrn 18.95 AMgrlnn 12,15 Balancn 15.12 BlueCh 50.11 CapAppn 24 66 Caplnconr 9.55 Contra 59.36 Corrlrafdll 11.17 CnvSecn 19.76 Harris Insight: Equity! 14.97 Heartland Fds: Value 30.44 HighMark Funds: Growth 17.90 IncoEqnx 16.15 ValMomen nx27.65 HoracMnn 22.99 Hotchkisi Wiley: Inll 26.14 ICAP Funds: Equity 40.03 -146 I0EX Funds JCCGrthAp 42.25 JCCGrthT 42.90 -102 ISG Funds Instl: LargeCap 28.42 Invesco: BrChpGro 6.81 Dynamcnp 19.44 Eqtylnco np 15.37 FinSvcnp 25.38 HlthSc np 55.42 HYktr 8.37 Techn 51.19 Tech In 51.41 Tslecmnp 31.58 TotRtnnp 30.02 91 Ivy Funds: IntJAp 43.76 JP Morgan Instl: Bond 9.44 .03 QOpptyA OOpptyB OuestAp Merrill Lyncn BasVIA 31 17 20.26 8 65 05 7,43 2013 GvlnAp HiYldA JenniAp Oppenheimer Roch: Grwthn 21.44 Franklin Class AGEAp 2,54 AZTFAp 10.76 FJallnv 30.27 CalGroAp 30.31 CAHYBdpx 10.11 CallnsAp 11.86 CalTFrA 6.96 EquilyAp 11.49 FedTxFrAp 11.73 1190 UtllAp Prudential Fds 33.13 6.63 16.96 14.58 21.86 95 7.58 9.90 01 23,66 CapFdA CpHIA EuroAl GIAIAI Growth MnlnsA MNallA PacA dubbed St. Silicon's Hospital.

Grundner then received a $50,000 grant from Ameritech and a computer system from to expand on his electronic communication research. The money and hardware were used to start Cleveland Free-Net on July 16, 1986. Back then, the Web did not exist, and people were just beginning to get used to connecting computers with modems, Neff said. In 1989, several personal computers were linked together in order to meet a quickly growing usage demand for the Free-Net. "Tom was quite a missionary for this type of computer use," Neff said.

"When we put the Cleveland Free-Net system on the Internet, people were very nervous, asking, 'What are you doing putting ordinary people on the We showed that ordinary people not only could use the Internet but would use it." A few years later, Grundner ended his association with the Free-Net and then, in 1997, he wound up in trouble for his use of computers. He was convicted in federal court of possessing child pornography and told the judge he developed an addiction to porn on the Web. But Neff said Grundner's personal problems weren't connected with the Free-Net and have nothing to do with the decision to shut it down. Free-Net was designed to be like an imaginary city, with registered users as its citizens, and numerous text-only bulletin boards linked together. Then, as now, there Were no ads or Web-style graphics.

But it provided certain Internet services that seemed amazing in the 1980s to anyone playing with a personal computer from the home or office. A user could exchange e-mail with others, jump into newsgroups, or try a terminal session linking to a database far away, such as a library system in California. "Nobody charged anybody anything, and all you needed was the simplest terminal and a modem," Neff said. Other communities caught on to the Cleveland model and began to develop their own free networks. John Kurilec, director of Organization for Community Networks, estimated there are about 300 free-nets in existence today.

"Canada has a whole bunch of systems the Canadian government has helped to fund. States with large rural areas are promoting them, and there are a growing number in Europe," he said. "I don't think it's a phenomenon that will cease. But some of the systems are going Deslmyl CLEVELAND (AP) The demise of Cleveland Free-Net, once a pioneering computer network, leaves longtime user Joseph B. Swartz feeling sad and nostalgic.

"It's like losing an old friend," he says. "I wish there was a way to invigorate it." Sorry. No way. The swift pace of technology advances has taken a toll on what some believe was the first significant "virtual community." On Thursday, Cleveland Free-Net will be shut down 13 years after its founding. "We're not fighting it," said Raymond Neff, Cleveland Free-Net's administrator and vice president for information services at Case Western Reserve University, the host.

"We're celebrating something that was intended just as an experiment." When the Free-Net started up in 1986, it provided services that Internet surfers take for granted today but weren't widely available then: features such as e-mail, electronic, bulletin boards and chat groups. Now it's a Y2K victim. The Cleveland Free-Net software might not be able to recognize the year 2000, and rather than worry about how to make it compliant, Neff decided it's better to shut down. "It's amazing we could keep this idea going for 13 years," Neff said. "Measuring Internet time is like dog years.

In other words, 13 years on 1 dog makes for an ancient dog. Time marches on." Compared with the World Wide Web's flashy sites these days, the Cleveland Free-Net seems awkward, dull and limited. But perhaps not to those who have grown to appreciate its simple charm. "Once it was the only game in town," recalled Swartz, a lawyer who not only was a regular Free-Net user but also a volunteer manager of one of its sections dedicated to discussion of labor law. There were also discussion and information areas for topics such as Supreme Court opinions, the Cleveland Indians, high school life and the supernatural.

"Certainly there are far more resources on the Web," Swartz said. "But it got people into telecomputing, e-mail and things they probably would have gotten into eventually anyway. It was a very gentle, friendly way to do it. And the price was right." The price was always free, Neff said. "We opened up our computer system to the Cleveland metropolitan area, and that turned out to have no boundary," he said.

The Free-Net got its start when Thomas Grundner, a professor of medical education at CWRU in 1984, wanted to develop a way for people to get non-prescriptive medical advice. He put together a computer communication system that was 26,47 -78 14,72 -59 31.07 Deslmyll FLTFApx 11.31 EqulBnl 19.56 EqlncBI 1785 HiYldBnt 7.42 JenniBI 19.51 MunHYB 10.70 202OF0CBI 12.01 UtIIBI 11.87 Putnam Funds AmGvAp 8.47 06 .01 -35 SSP500 1598 -73 LMIFA I II: Core 10.73 .08 Lazard Inst: InllEqlnstl 16.49 SmCaplns 17,15 Legg Mason: Splnvnp 33.13 -154 VaTTrp 63.65 NavValTr 65.23 Liberty-Colonial FerJSec 10.30 07 FundA 10.42 StrtlncAx 6.67 TuExAp 12.95 Liberty-Colonial FundBI 10.41 HYSecBt 6.53 StrtlnBtx 6.67 US I 19.67 UtilBtx 21.54 Lindner Funds: AstAllocnx 22.37 Longleaf Partners: Partners 24.54 Really 13.45 SmCap 23 03 Loornls Sayles: Bond 11,79 03 LordAbbettA: AffiatdAp 1542 -66 BondDebAp 8.92 -04 DevGfnAp 15.97 GvlSecAp 2.49 01 LordAbbettB: BdDbBp 8.92 Lutheran Bro BroHiYdx 7.98 Fund 2931 Income 8.30 01 Municipal 8.58 MAS Fds Instl CI: Equity 19.82 -84 Fxdlncn 11.33 .06 HVPort 8.81 01 MCapGrn 25.31 MCspValn 21.78 SmCpvln 19.33 Value 13.62 MFS Funds MITAp 19.39 -82 MIGAp 17.12 BondAp 12.46 07 CapOpp 18.89 GrowlhAp CapGro 40.75 Merrill Lynch 42fl Grolncp 41.48 Diverlnlln 20.09 DivGlhn 27.08 Equtlncn 55.46 LtdNYAp 3.24 RoMuAp 17.53 RoMuB 17 52 PBHG Funds: EmerGron 23.29 Growlhn 28.69 TechComn 35.20 PIMCOFundsA: TotRtA 10.12 .05 PfMCO Funds Admin: TotRetAdn 10.12 05 PIMCO Funds TotRtBl 10.12 05 PIMCO Funds GwthCt 29,32 InnovCt 39.43 TargetC 16.36 TotRtCt 10.12 05 PIMCO Funds Instl: TotRetn 10.12 06 Chase Vista Sel: 33.01 10.96 2.23 11.60 11.68 11.37 11.46 -34 -01 BalanAx 11.08 MuniBondA 7.11 Bond 38.73 23 EQIIn HYTFApx IncoSerAp InsTFAp MchTFAp NJTFApx NYTFAp OhtorTFAp AABalAp 1218 29.39 31.89 27 A Of. Europe I', AAGIhAp 14.16 10.37 Eq Inc IntmdTF LgCapGi TxFr Inc FWelFdn 35.36 GNMAn 10.58 06 BalHel CATxAp XI -02 .0 162 -1 ')' -1 -IM -M 1 10.39 44.95 -162 6.17 74.63 17.18 14,26 -32 DIScEq Diversity Janus SmCoGrA 6.36 SlrGnhA 10.93 EvsrgreenB: EvrgmB 23.68 FoundBx 20.87 GrolncB 27.47 tvergrsen Select: CapAprp 2123 Govtlncn GroCon Grolnc 9.81 06 63.27 43.01 Clipper Convert px 19.45 Cohen 4 Steers 20,67 DvrlnAp 1079 4 Jim Fox 121 W. Sixth Ave. 687-5545 Iflt F.

Earl Oatney 422 N. Broad St. 654-0332 Htahlncm 11.94 Enlerprn 50,96 15.27 InlBdn 992 03 Eqlnc (JorsEqtyl 77.68 It Ftxlncl 9.00 05 21.51 17.43 13.55 19.84 EqlnApx EuGrAp GeoAp GIGrAp QrlnAp Grln2Ap IntGov IntlGrl InvGB 9.50 .03 24.39 7.05 .03 20.79 79 941 .03 38.92 17,65 33.31 IncPlusI IntMuBdl Flxlncn Fundn GITech Grlhlnc 5.95 02 5.45 03 61.47 95.12 TRIIIn LowDurn TRIln HIYHn 9 93 02 9.84 05 10.76 SI XI SecGrthl 19,46 Japan 13.41 JpnSmCor 18.57 32.14 RltySrirsx 35.24 Columbia Funds: Balance 23,39 -49 ComStk 25,71 Grlhn 44 53 Specln 23.30 Concert Inv 1: Grolnc 1 2019-100 Growth 1 22,42 CQCspMklFds: InlrFxnx 7.90 01 IntJEq 12.39 -19 LgGrw 23 83 Mercury 24,58 CapAppn GrOppAp 21.87 BasVIBI 37 48 CapFdBI 32,28 CpHIBt 6,63 -03 ClnvGrJBt 10,90 ,03 EuroBt 14,92 FedSecBt 949 .05 FundhGrBI 20.71 GIAIBI 14.32 GIWGwthBI 13.16 QbnechBt 18.12 GlbValBt 12.16 GrowthB I 20.02 PacBI 22.26 Merrill Lynch 0: BasValDp 38.06 CapFDp 33,08 FedSecDp 9.49 05 FdGiOp 21.74 -56 GlbAIDp 14.56 GrowthDp 21.76 SP500p 15.94 MontegGrl 31.20 Montgomery Fds: GrowthRn 21.64 Morgan GrenWI: Fxlncm 10.29 .08 MuniBd 10.80 MorgStDeanWtB: AggrEqBp 10.85 AmOppB 34.54 CaiTxFrB 12 08 CEdgBsffl 11.09 DvQthB 30.03 Olympus 35.61 SharasZ 20.18 Nations Funds Pri CpGrPAn 11.96 EqlndPAn 24.89 IntMPAn 9.91 IntEqPAn 14.16 MgdlndPAn 19.12 MulnPAn 10.89 -01 StFIPAn 9.59 .06 ValuePA 17.22 HatlonwiaeMutFds: Fund 30.82 Growth 17,54 NeutwrgersBerm Fd: Focus 35.66 Genesis 13.59 Guardnn 21.91 Partnrsn 25,18 toulwoeraBermTr: GenesisTrn 19.12 GuardTrn 15.77 PartnrTrn 17.83 New England Fds GwthAp 11,16 Nicholas Group: Nfcholn 73.65 Nchlln 31.83 Northeast Investors: Trust 10.12 Northern Funds: QrEq 20.33 Northern Instl Fds: BondAx 19.61 04 EqklxA 23.33 Norwest Advantage DtvreEq I 47.55 GrthBalln 3070 GithEql 38.27 IncoEqlnx 43.88 Index I 53.43 LoCoGrl 54.25 NuvesnCIA: GrlnStkAp 24,23 90 Nuvsen CI MunlBdR 9.10 InMunR 10,54 01 Osk Assoc Fds: Whn.eOakGn48.34 Oakmark Funds mm 14.02 OakmarkFdl 34.36 Setectl 21.19 OffKbsnk Funds: HIYW 9.30 One Group Eqlndxp 29,60 One Group LgGrl 24.91 One Group Bond I 10.30 07 OrvrsEqtyl 1408 -65 Dtvrlntll 15.28 DrvrMldCapll9.50-l.06 Eqlndxln 29.61 -134 Eqtylnct 22.30 -86 GvSdlnp 9.70 06 InoomeBdln 7.66 04 InlBondln 10.25 04 InfTFIn 10.53 IntlEqln 19.16 LgCapValln 16.14 LoGfln 25.20 MdCapVall 13.24 -78 MldQVthln 23.70 Munilncln 9.68 STBondln 10.39 02 TaxFrflonrJIn 12,22 -01 Oppenhelmer CaplncAp 13.04 -36 CepAppAp 4419 ChlncAp 11.87 DiscFdp 42.52 -135 GlobalAp 4926 GrowlhAp 3908 HighYldAp 12.61 LTGovAp 10.05 .02 MSGrlnA 41.55 -193 MuKStrAp 14.08 NYMurtAp 1228 PaineWebbw HlthAp 55.98 -285 LgCapVApx 17.57 IncomeA 7.64 -26 MgMuApx 14.70 IntOh 10.31 PremTRApx 20.47 65 Munlcpl 6.92 .01 Smith Barney NwCcpl 10.49 ApprBt 15.52 69 Retire 9.90 -31 DvslnBlx 745 ScTech 1231 -37 FdValBI 12.76 VanguardA 9.98 HilncBtx 10 05 VsjueLlneFd: LgCapGBI 20.50 Levrge Glhn S1.8S MgMuBtx 14.70 03 Van Kemp Funds PrmTRBtx 20 35 CmstApx 15.51 SoGen Funds: EmGroAp 60.41 -2D1 Intnl 25.21 EntAp 20.63 -JJ7 SoundShn 27.54 -131 EqtylncApx 7.70 -3 Stagecoach GvScAp 9.80 .07 AsetAIIA 26.05 GrlnApx 18.59 -JB EqWxn 77.93 HYMuAp 11.19 -D1 Standish Funds: InTFAp 16.14 Fxdlncmn 1951 12 MunlnAp 14.55 IntlFxInn 22.75 09 PacsFndAp 14.40 StFarmFds: TxFrHlAp 13.95 Balann 50.10 USGvAp 13.84 .08 Mo 47.77 -2 1 2 Van Kamp Funds State Sir Resrch EmGrBl 55.90 HilncAp 5.34 ErrtBI 19.96 InvTrAp 12.51 EqlncBtx 7.64 -XI State Sir Resrch GlEqFdB I 10.92 -34 InvTrB 12.35 Vartguard Fds: State Str Resrch AdmiTn 10.23 07 InvTrS 12.59 AdmSTn 9.99 .02 Stain Roe Funds: AsselAn 24.19 -38 DiscplStkn 21.97 78 CAInslTn 10.56 GrwIhStkn 46.98 CAInsLTn 10.97 Ynglnvn 27.45 CspOpp Strong Funds: Energy 2243 -1(6 Advtglnvn 9,90 01 Eqlnc nx 23.97 -lit CmSlkn 2250 Explorer 58.50 -233 CorpBdlnvn 10.69 09 FLInsLTn 10.79 -XI GovSclnvn 1032 06 GNMAn 10.07 tU Growlhn 25,33 Grokxn 3278 -140 Grolnc 23.61 HYCorpnr 7,37 HYBondn 10 68 05 HithCare 92.99 HiYIMun 9.74 02 MO) 1932 -34 MuAdvn 5,00 -01 Intrvaln 27.89 -JJO Oqptrityn 42.34 -187 ITCorpn 9.42 08 SchalerV 45.87 -2 73 rnsryn 10.47 .01 STBondlnvn 944 01 LIFECon nx 14.61 -28 Totaln 3849 LIFEGron 1931 TsmpMonClassA: LIFEModn 17.06 -tt DevMklAp 12.36 -30 LTCorpn 8.40 0r! ForeonAp 10 23 23 LTTsryn 10.16 .12 GteoOpAp 15.01 -32 Morgann 2068 GISmCoAp 714 -18 MuHYn 10.34 GrowlhAp 18.82 65 MutnsLgn 11.92 WorldAp 17 86 Mulrrtn 12.03 -m Templeton Class MuLtdn 10.83 FcrgnCp 10 05 MuLongn 10.58 01 GrwIhCp 1842 -63 MuSbrtn 15.80 Templeton NJrnHTn 1131 EmMSp 10.17 NYlnsLTn 10.M -fll ForEqS 1922 -41 PAInsLTn 10.77 Third Avenue Fds: Prmcpn 56.03 Value 32.48 -1 16 REIT fx 10.16 ThornburgFds: STARn 17JJ6 -M LtdMunAp 1319 -01 STCorpn 10.82 0) TortayFdn 39.08 -181 STFsdn 10,01 ,03 Trust For CredUn: STTsryn 10.13 .02 OSP 9.66 01 TxMCApnr 27,02 -132 Tweedy Browne: TxMGIrx 27,01 -134 AmerVal 23.10 USGton 38.25 QfcbValn 20.28 Uliyx 15.08 -M UAM Funds: Wetslynx 2030 rOMSCn 23 65 Weltnnx 29.00 USAA Group: Wndsrn 1932 -J1 AgsvGlhn 37.94 -2 44 Wndsll 26.29 CABrJn 1061 0I Vsngusfd ktx Fds: CornslStrn 25 29 80 SOOnx 118.01 Gnvthn 2307 -106 Baktxednx 19.40 -SI GrsMncn 1918 EMkti 991 IncStkn 19.71 -89 Europe 24.78 -XI Incomen 1181 07 Extindh 3023 SSPWx 20.03 Growth nx 33.98 -1J0 TiEITn 12,77 -01 mstldxnx tt9M TxEtTn 13.11 InaPlm 116.99 TxEShn 10 54 ITBondn 931 00 United Funds: Pacrfcn 1030 -30 Accumultrv 826 49 SmCsprt 2133 -JB Conlkr. 7,98 STBondn 9.S9 09 Hghlnc 883 -01 TceSondn 97 09 PATrAp 9.94 SmCapGrAp27.31 USGovAp 6.65 UlilitiesAp 9.56 Franklin Class HVTFCtx 11.03 IncoSerCI 2.24 SmCapGCt 26.86 Franklin Mutual BeaconA 13.73 DiscovA 18.60 SharesA 20.10 Franklin Mutual SharesC I 1994 Fremont Funds: Obtain 14.47 QAM Funds: Inll 2478 OEEIfunSIS: SJSLngn 10,97 SSPMn 60 91 TaxEx 11.31 LargeCapn 17.9B LowPrr 21.53 Magellan 12148 10,32 -02 GrlncAp 3107 TclAllAp 30,78 -1 40 AIM Funds Agrsvp 51.73 BalApx 2J.27 BDipAp 43.14 CapDevp 14.26 -65 Chart 16.03 Constlp 31.96 GloAgGp 19.78 HYIdAp 615 IntlEqAp 19.72 Summit 18.84 Valup 43.66 WerrigAp 26.55 AIM Funds BalBtx 28.22 BlueChioBt 42.40 ChartBt 15.96 GIAgGrBt 19.24 HYWBI 8.15 WIEqBt 19.18 VakiBt 42.40 -187 WeingBI 25.62 -1 19 AIM Funds AdvFlexCtx 19.22 -86 AIM Global Theme TetacmAp 23.64 TalecmBt 22.75 AMF Funds: AdjMtgn 986 Acorn Funds: AcmFd 18.01 Ml 25.93 Asms CI Onvlncml 16.06 Alger Funds GrowthB 14.15 -48 Altoghsny Funds: 30.93 -154 Alliance Cap Alancep 6 38 20 GrolncAp 3.94 GwlhFp 52.39 -154 MurCAAp 10.61 NAGvAp 7,34 .09 PrGrthAp 32.24 TechAp 92.05 AllisnnCspB: CpBdBp 12.32 .06 GwthBt 41.32 GrlncBp 3.50 NAGvBI 737 .09 PrGrthBp 3066 OussarBt 21.01 TechBI 87.43 AllltncsCapC: PrQrthCt 30.72 QwlhCI 41.34 TechCI 87.40 AmSouth Fds Prem: Equltyn 23.11 Anw AAdvant Inst: WIEqlns 1889 Amer Century Inv: Balanced nx 19.43 EqGrolnvnx 23.19 GNMAI 10.35 .04 QKIn 23.64 QrowWn 29.27 Herltageln 12.29 rncGronx 29.76 18.24 MklCapn HIYdAp HYAdAp HIYTRIIp IncmAp IntlGrp IntlNopp InvAp MM OTC 35,12 -132 47.00 7,76 7.40 650 .04 22.23 18.04 -52 16.25 Ovrsea 40,31 RSEmGrnp 36.17 RSValGrn 27.35 Rainier Inv Mgt: Equity 2560 Rydex Investor: Novan 33.86 OTCn 54,09 Ursan 8.87 .39 SAFECO Funds: Equity 23 87 Growth 19.59-102 SEI Portfolios: CoreFxInAn 10.09 06 EmgMktnp 9.23 EqlndxAn 39,93 IntMuniA 10.70 IrrllEqAn 11,79 InllFixAn 11.00 .17 LgCGroAn 28.65 LgCValAn 18.84 SP500An 39.83 SmCGroAn 20.48 91 SmCValAn 13.61 TaxMgdLC 12.66 SIFE Trued 569 -06 SSgA Funds: SP500n 22.92 STI Classic: CapAppTn 16,01 GrowlncTm 1442 73 IrrlEqT 12.63 InGBTn 1028 07 VallncTn 10.87 Salomon Brothers: InvBSO 21.40 -77 Schwab Funds: lOOOInvr 34.70 -152 lOOOSeln 3473 SSPInvn 19 83 90 SSPSeln 1988 Scuddsr Funds: Dsvetopn 39 94 Gbbln 30.06 96 GrEurGron 28.77 Giwlncn 2568 -121 inccmin 12.68 07 Internum 54,81 LgCoGro 33,36 LgCoVtln 27 89 -121 MedTFn 10.99 MgdMunn 8.71 STBondn 10.53 01 Security Funds: Equity 9.89 Selected Funds: AmShspx 33.09 -1 13 SeUgman Group: CmStkAl 14.95 ComunBt 3403 ComunAt 38.58 tarmunOI 3400 GtobTechA 2128 GrowIhA 779 -36 HiYBdAp 6,34 HiYBdB 834 HIYBdDt 8.34 Sentinel Group: ComStk A px 40.41 SWUM 130 84 -3 70 911 Funds: TaxFreen 9,87 -01 SmithBsmeyA: AgGrAp 66,19 -353 ApprAp 1567 70 CaMuApx 15.81 FdValAp 12.93 LgClpGAp 2061 -47 7 05 I I 1 I .07 I I i .06 I i -31 I I I Puritan LgValn SmGrwn Smvaln 12.96 17.82 10.16 20 StrValue 20939 Balanl 12.96 CoreBdl 10.14 .08 Evergreen EvrgmYn 2433 FoundYx 20.97 64 GrolncYn 28.01 IncoGrYx 21.10 PaMuBdY 11.10 Excelsior Funds: BtsndEqly 42,09 Valfleslr 24,94 reoefaieo a. AmLdrA 24.02 EqlncApx 19.36 GrStralA 34.46 HllncBdA 10.53 USGvSecA 7.64 04 USFdAx 11.86 11 MuniAp RealEstn 14.53 RelGrn 2180 Davis Funds tmUTAp 48.6 NwOpAp 65.15 NYTxAp 8.41 8.58 01 6.45 .04 4M GvMgAp sbb 21.26 -42 OTCAp nO Hie, SIM it.

a) AH at 3 AH mi Ml STBFn StkSlcn Trend USBIn Utility 30.71 6271 10.44 05 23,63 75 49.71 15.82 -74 5,00 -01 1031 8.51 -01 25.58 GrOpAp HilncAp MuBdA MuHIA HschAp TcfflAo TctAIIBp M.38 PalneWebberC: TactAIIC 30.56 Pax World: Fund 22 75 Phosnlx-Gixidwln BalanAx 17.26 GrowthA 27.35 Pioneer Funds CapGrAp 19.84 EqlncAp 28.49 GrowlhAp 19.77 -91 MldCapA 17,87 PfcmFdApx 44.82 PtonrllAp 20.08 -99 Ptenesr Funds GrowthBp 19.04 -88 Preferred Group: Growlhn 22.24 91 Price Funds: overseas 22.7B SplSilun 21.55 Twenn 82.56 Venlurn 74.75 WrkfWn 53 69 Janus Aspen: AggQrth 37.53 Balanced 24.14 Growth 26.80 WorldwGr 32.92 JaoanFdn 14.11 John Hancock BondAp 1449 .07 FlnlndAp 14,33 flgBkAx 45.29 SvlnvApx 23.52 -90 John Hancock CoreEqtyp 29.92 FlnlndBp 14,24 HIYIdB 6.34 LrgCapValB 1 21 .91 RgBkBtx 45.08 SvlnvBpx 23.50 StrlncB 7.26 .01 Kaufmanp 5.26 Kemper Funds CalrfTxA 7.09 Jean C. Kaminsky 994 Ely Rd. 654-7782 8 84 01 13 87 -02 12.63 06 1342 14.06 2402 -93 Value TxtxAp TFHYA USGvAp UttlApx VslaAp VoyAp Vbvllp WrktwrJen 1776 MFS Funds 14.55 -37 19.13 Trusts 65.13 OMO Trait IN: EmgMkr 9.01 Foreign 13.76 inttCore 22.83 55 USCore 17.96 -91 OMO Trust IV: USCore 17.95 Osbslll Funds: Asset 39.08 Growlhn 4037 -1 57 Value 18.68 -44 DrvGrbBx 58.88 DrvlnBx 8,31 03 -102 Fidelity Selects: Banking 36.10 Biotech 51.58-3.73 Compr 8306 DevComr 39.45 19.29 IM Putnam Funds 07 401 GlbDrvS 13.50 -38 MAITB CapOpB EmGrBl MIGB flscbB SlrGrBp TotflBI 18.10 47.22 16.24 -76 24.72 27 78 mm EWrr 68,57 GtobUlilBx 1707 GrowthB 1689 HIYIdB 5.39 IntoB 21.22 lvtdCpEqulty826.18 PacGrB 1431 41 ri 1 EngSvcr Health Softwrr Qalsxy Funds Retell: CATxBt CapApr I OvrlnBt Eqlnc tx EuGrBt GeoBI GrGrBt HIYTrllp GrlnBI 22.19 12171 63.27 -1 57 10419 14.55 11.25 IF YOU JOIN in MB Lafcecon 36,8 20.93 95 10 74 02 16.18 20.90 17 -50 12 98 36 7,40 -04 19.59 -97 1331 Techt MFS Funds Balance 18.67 SueChrpGn 31,51 CapAprn 14,14 DtvOron 20.73 68 Eqlncn 28,46 Galaxy Funds Trust: EqGro 27 45 Telecomr 71,19 -7A7 IJf NYVenA 26,52 Dsvls Funds NYvenB 26.03 87 Dsvls Funds CtV: NYVsnV 2680 -89 NVVenC 26.1! Dslawsre Invsst DecElnApx 18.98 -74 DeWiA 5,32 -04 Defcapp 28.07 -120 GrolncApx 15.95 TxPaAp 7.60 M-PoolsdTrusI: GloFoix 10.37 .02 IntlEqx 17.25 Dlmsnslonal Fds: USLrgn 37.70 USLgVan 19.77 USSmaln 11.61 US6-10Va 18.86 Fbtdn 10.18 01 Olversined Funds: EoGrowp 25.42 Eqlncp 21.48 Grolncp 24 70 97 SpecEqp 21.45 DoogetCox: Bslan 8782 -195 Income 1182 .07 Stock 98 06 Domini Funds: SoclalEq 35.90 Dreyfus: Aprecn 42.15-2.03 Li. Lj DrmHiRA 3091 'No Start up Fee on $29 per month check-free 'Free 3 months added to annual membership Welded Construction Special Insulation Made to Exact Fit Professional Installation Short, No Pressure Demonstration SENIOR DISCOUNTS 13 48 19.99 880 04 1879 63 SP500B StratBx USGvtB UIIIBnx ValAdB GrlhA lt A Giln26l MITCl 19.05 MIQC 18.19 EmerQrCt 46.96 -2 53 FtschCt 24.73 MalnStsy Fundi Eqktx 41.10 Mainstay Funds CpAppBI 48 46 -2 24 GrOppBI 21.33 -70 HtbBI 53.55 -273 36.39 15.73 7.25 9 62 -01 19.16 10.93 -38 AmLdrBt 23.99 EqlncBx 19.37 -83 HllnBdBI 10.52 SlrlncBx 9.21 -04 Federated 0191 8,56 .08 Federated Instl: GnmalS 1099 .05 GOV2-5I 10,57 03 MIYId 636 IncoTrS 10.06 .04 MaxCaplx 26.31 MaxCapSx 26.26 StockTrx 37,09 Fidelity Adviser GrthOppAp 4665 Fldelrry Advisor EqGrBn 60.79 EqlnB 26.98 GrOppBn 48.38 -146 HiYVJB 11,15 Fidelity Advisor GrOppCp 48.51 Fidelity Advisor EqGrtn 63.61 -288 GrOppIn 49.10-1.47 HI Yield MunIA TechA TolFtetAx 'Wood install 65 U.I.- 5 Window Minimum MorgStbeenWHD: 10 26 03 Eqklxn Europe FEFn GNMn Growlhn Gwlhlnn HiYMn InllBdn WSIkn 34.64 -1 58 21.34 -13 19.21 9.19 05 32.89 -129 26.20 -125 7 93 9 39 13 15.99 -12 HIYIdB I HYAdvBt IntlGrt InilNopI I 7.75 21,74 16.61 Tom George 2100 E. Main S.

654-3100 Joni I. Campbell 1043 E. Sixth Ave. 687-1961 13.91 -40 'Free 2 week trial memberjp WORLD GYM OFFERS: Personal Training, Tanning, Free Weights, Body Master Hammer Strength, Cybex, Child Watch 'Bring in this ad during the sign up and get a Gstewny Funds: Gateway 22,60 Glenmede Funds: Intl 18.91 Goldman Sachs Fds: CapGrA 24.62 CoteEqA 33.22 -146 GrlncAx 23.44 -1 14 IntlEqA 22.87 29 Guardian Funds: ParkAvA 52.35 Stock 49.52 Harbor Funds: Bond 11.02 .06 CapAppn 43.25 Inttn 39 36 -19 imJOrn 18.29 -16 ConvBt HIYIdBB TotRtBt UtilGrr 64,38 Fidelity Sperten: CAMunn 1179 Equllndxn 45.48 -207 IntmMuni 9.57 InvGrBdn 1008 06 Mkllndnr 88 43 -4 02 MAMunin 11.38 -01 Munllncn 12.19 NYMunn 12.15 ShtlmMun 9.99 Fifth Third Inst: OualltyGr 22.50 First Amer Fds Eqklxlnx 25.40 -118 Fxdlncnx 10.71 03 LgCapGrn 19.55 -89 14 54 58 InvBI 7.59 2517 75 NwOppBI 61 99 -2 23 I 17.81 MdTxFrn 10.12 OTCBt 20 .14 41 ValueBl MalnStay Inst: Taxtxu 11,33 Mora Stan Inst: EmMktn 12,81 -15 EqGrAn 21,45 MEqn 19 89 35 Munder Funds: NetNetAp 4149 -83 NetNelB 41,10 Mutual Series: BeaconZ 13.76 DUcZ 1872 -47 QualfdZ 16.80 USGovlAx 8.43 01 USMtgAx 6 79 .01 Kemper Funds DrmHIflBrx 30.81 HIYIdB Ix 7.24 TotRtBtx 1083 Kent Funds Instl: Grolnc 16.39 -82 klxEqlnstn 2511 InlBdn 963 05 SrnCoGron 15.86 WDHcn WIGroln SeWIn SOovn 11,66 -39 10,44 49.85 9.31 ITATI MUM MldCapn 35.15-144 NewAmn 45 69 99 Asian 7.36 03 NewEran 23.12 -98 NwHrann 2364 -1 11 Newlncon 837 05 1390 -01 12,57 07 13 36 48 13.26 69 2233 2524 99 TFHYBt USGvBt UtilBtx VislaBI VbyBl vbyllt GrEq 34,24 IndxEq 34 94 ValEq 12.37 Malta Power: Growth 9568 -4 37 Tar2025 26.67 8 FREE T-Shirt EMPIRE WINDOWS BKM mum MIIAI ft OMMI 111 IAI l.OO.Sdl.O';JSlF Ultra 35.62 Vakielnvnx 6,02 Like a good neighbor. State Farm is Slate Form Mutual Automobile Insurance Comoanv (not In NJI Slate farm Inriemnirv DbMHM Mill 1259 N.

Memorial Lancaster, OH IN1UI1NC Columbus Delaware Cleveland (740) 681-9000 MWmi 1 i.