Concord Monitor from Concord, New Hampshire • 28

D2 CONCORD MONITOR Tuesday Dacambar 27 IMS I WASHING Blue Cross Hopes To See Black Continued ftva Page D-l into financial iield has begun to few months after it almost insolvency Blue Cross-Blue inch back Numbers One third of the new homes sold in the United States each year are mobile homes more than 200000 Last year 49 percent of mobile home owners previously lived in a house 20 percent in a different mobile home 10 percent with their parents and 18 percent in a rented apartment or townhouse The average price for used and new mobile homes was $14346 The average age of mobile home owners was 47 through companies that oflcrenscwral health-care options but let oldprtmptotces and those who needed more case select Blue Cross Now those -companies must choose between insuring most of their employees through Blue Cross or none at afl One of them Concord Hospital elected to drop Blue Cross last week ihMiiMg rwrtfr amplny raw company at the expense of another company and not going to do that Dumont said recognized we can no longer be all things to all Blue Cross is also considering an with Blue Cron of Western Pennsylvania in Pittsburgh Dumont said The terms of this relationship haven't been decided but may include having the Pennsylvania company provide a line of losses that left it with only a worth of cash to ay claims this summer Blue Cross'S cash flow had improved to a four-week cushion by last week said Clark Dumont the company's spokesman turning the comer 1 but weVe not ready to pop any champagne If the company did throw a party there would be fewer people to celebrate than ever before As part of its effort to trim expenses Blue Cross has cut both its staff and subscriber base About 100 employees were eitherlaid off or not replaced when they retired thjs year shrinking the company's workforce to ISO In addition Blue Cross stopped insuring roughly 20000 subscribers who were costing the a money Dumont said Many of them were i ded andmanageir and management In the last 10 years the average US teacher salary has risen from $13800 to $27400 for elementary School teachers and from $14600 to $28700 for secondary school teachers credit if it should be needed counseling WeYe not talking a Dumont stressed if there are ways to get things done by sharing strengths wouldn't that make FIRST NH- she was loitering at the laundromat cadging money hum customers and urinating on its floor Her leaving triggered an exodus although Radcotdidnt raise the rent or ask anyone else to move Richard Silverberg housing (Erector at Central Community Mental Health Center said his dents read the handwriting on the walL what was transpiring they felt that they weren't he said "They expressed a desire to live someplace where they could feel more at Fu- from speeding up renovation of the laundromat the foes of tenants has actually slowed it down Haricot has had to put off work there in order to reaiy the vacant apartments And their cleanup is draining his finances fester than he expected "All told I thought Td spend $30000 tills year I was almost dying last week when I realized I've atreaify gone through I53JM0 with a lot more to he said But if the laundromat is still a mite dingy business has shunned it mothers students from Franklin Pierce Law Center now stuff their clothes into its new washers and computerized dryers And with an average of 29 new customers a week Haricot pmficts Suds Appeal will break even by the first of the year Haricots former tenants be settling brio new homes Mabel Griffin the woman he evicted and her live-in boy Mend Joe Chapddaine have found an apartment in a building a few blocks away on Abbot Street The others have found homes scattered across the city Silveibeit said: Since theyjriwed out they don't come by the laundromat anymore "I see them sometimes (when driving arouftd the neighborixxxU' Haricot sakL "Usually I just wave and drive on" federal reserve board spokes-The board checked abroad and found the disagrees regulators of of Ireland's "It sent the groups a letter big that it win remain active In the New Hampshire Community Development Financial Authority the Northern New England Housing Cooperative and do everything postible to provide more affordable housing in New Fein said take the bank on its word" Continued From Page D-l said Peter White of the Franklin Area Community Land Trust "WeVe just let a stranger walk into our state without finding out its plans or who they are We demand a public The board win give the request some consideration promised Robert Bretfy a board spokesman will think about reversing bur he said "But at this late stage the poasfoility is The activists have charged that a with Bank record and said John Fein a board officer It also reviewed First NH's records and found it had lent money to both to subsidized housing projects and individuals of moderate income or less The protesting groups the Massachusetts Urban Reinvestment Advisory Group New Hampshire Citizen Action and the FTanklin Area Community Land Trust have tried to take their beef straight to the banks But they have bred no better met with the banks last month nothing came of it White wanted them to set aside moneyfor loans to people of poor and moderate income Ana they Just said WeH look into it' "be said bitterly Fein said First NH did more than just look into iL DUI UK UT6 IHVU I Representatives presidents of both but nothing came CHANNEL 21- Coattined From fge D-l already broadcasts the CBS affiliate in Boston "They say they wont cany us until we become more in complained Pulera a talking about changing people's habits which just come easy" he said "Channel has had SO years to do it we've onfy had three foreign bank is incapable of knowing or meeting the credit needs of small towns particularly in neighborhoods of low or moderate income housing They also accuse First NH of ignoring those neighborhoods have never made one fair housing loan to people of low and moderate income in this White scoffed "And now the board is rewarding them for Mine rapinres wur wm OTnmitamt Eastern Influences Nearly 5 million Americans have received acupuncture and close to 45 million Americans have meditated to relieve stress Sources: Foremost Insurance Co Education Week American 7 Calendars Just For Memos Anymore traded a host of newcomers in recent years which has resulted in increased competition "The market has become glutted for the past five said Nick Clemente executive vice president of Price Steam Sloan publishing in Los Angeles which produces Murphy's Law calendars "Everybocy and his brother has come in By JESUS SANCHEZ Los Angeles Times LOS ANGELES When Randall Clarke began buying calendars for Fowler Bros bookstore eight years ago it was a biry easy job All he had to do was choose a few calendars that would occupy a small table top in the downtown Los Angeles store Now Clarke faces a much more The quickest processing turnaround A mortgage plan that fits your needs and abilities The "'surge of new- calendars is most evident at bookstores which only five years ago rarefy carried them Executives at Waldenbooks flip through 700 new calendars a year before selecting 250 that will end up on store shelves "We used to present store buyers with our calendars in May or said Clemente adding that sales now -begin as early as March The calendar boom say some industry officials can be traced to the growing numbers of working women who find it necessary to work out their schedules well in advance In fact about 90 percent of calendars are purchased by woman according to Michael DeMent a spokesman at Hallmark Cards "The industry is driven by the needs of working mothers" he said Besides helping to manage their time working women want something else from calendars Dement says frequently have told us We want something that looks good if we have to look at it so he said That is why calendars have gotten larger and piore lavish with thick glassy paper sleek designs and eye- catching photography and illustrations Hallmark for instance introduced a new line of poster-size calendars that buyers can frame at the end of the month putting them 1 in prominent places where they can be seen by other DeMent sakL Complicating matters for buyers and publishers is that most calendars out today were completed last falL So designers were forced to guess what would be trendy during 1989 even before 1981 had arrived "We never know what year we are said Phil Madans special projects manager at Outlet Books In New York who has already completed his company's 1990 fine "But we have plenty of calendars around to remind complicated task He must fill a 20-foot section of shelves with 200 different calendars that feature everything from puppies to German-made trains "It's a tricky buy because you don't know what's going to be hot next said Clarke who began ordering 1909 calendars as early as February "You don't want to get stuck with a lot of Fueled by growing numbers of time-short but style-conscious consumers retail sales of calendars have soared in the past few years and are expected to surpass $1J billion in 1988 according to Hallmark Cards Book stationery and gilt stores are introducing calendars earlier in the year and making more room for the 12-month timekeepers By the end of the year store shelves and tables brim with glossy calendars Wall calendars which have become increasingly stylish and expensive are by far the most popular and account for about two-thirds of the market industry executives say Most calendars are designed to appeal to a wide audience with photos of breathtaking scenery cuddly animals and well-toned men and women And this year calendars with a humorous twist have topped the best-seller lists at major bookstore chains But more calendar makers are tailoring their products to specific ps to boost sales Sid buffs Elvis modem art patrons Baby Boomers working mothers nature lovers and back yard gardeners can all count on finding a calendar made just for them Even those who attended the legendary Woodstock rock concert nearly 20 years ago can find a calendar commemorating the event are selling more calendars far said Mary Lifja spokeswoman for Dalton Bookseller which puts calendars on sale as early as June "It seems that people are not as willing to put up the free calendar that they got from their bank" The industry's growth has at- The answer is obvious Yet many people still apply for home mortgages at institutions where mortgages represent only a small part of the if daily business At JCM Mortgage Corporation home mortgages are our only business That's why we can offer ynu the best most repsonsise service And some of the best rates available any where Call us And see what a difference our total commitment can make when you're buying something as important asyourhon Mortgages Are Our Only Business urn uyybuiSiS wi INCORPORATION 171 -North Main Street Concord NH 03301 (603) 224-8505 1-800-S42-S112 An equal opportunity lender.