Newspapers / Winston-Salem State University Student … / Nov. 1, 1998, edition 1 / Page 4
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Ol'i'is //.I).(■«/■/. //.„ 4 • November 1998 PRINCIPLES of SOUND RETIREMENT INVESTING RECENTLY, MORNINGSTAR CALLED US CHEAP. IT’S NOT EVERY DAY YOU GET A COMPUMENT LIKE THAT A I (inanclal com(Kmies charge operating lees and expenses — some more than others. OI (.Durse, the lower the expenses you pay. the better. I hat wav. tnore ol your money goes where It should — towards huilduig a comlortable lulure. We make low expenses a top priority. As the largest relireinent system in the world —a nonjirolit company locused exclu sively on the Imancial needs ol the educational and research communities — our expenses are among the lowest in the insurance ami mutual lund industries. In latt, I IA A-C k I'J's 0.31'Mi average lund ex[)enses are less than hall ol the expense charges ol comparable lunds.’ It’s wh\- ,\\orningstar~ one ol the nation s leading sources ol annuitv and mutual lund inlormation — savs. "At that level I I I,\.\-CI^IvI' I IS cheaper than an\' othei' (variable annuity] policy, and is even compet itive with the cheapest mutual lund complexes, though It oilers lar more benefits.”^ “TIAA-CREF sets the standard in the financial services industrj'.” Ol course, expenses are only one factor to consider when you make an investment cJeclsion. .Worn ingstar also noted our commitment to consumer education, service ” and "solid investment perlormance." Because that can make a dilterence in the long run, too. At 1 IAA-CRI-1*. we believe people would like to spend more in retirement, not on their retirement company. Today, over two million people count on that approach to help them build a comlortable and secure future. So can you. lo lind out more, call us at 1 8()0 8^2-2776. Wed consitler it a compliment. X'isit us on the Iniernct al www.tiaa-cref.org Ensuring the future for those who shape it. I i>n l>illion in .issels uikIct in.in.ig.-mc-nl 2. .S'/.jmW c’i . I !>m (Quanc-rly). .1 ()l it.^- x i.ihli- .mnuilK.s l,ack«l l.v .W.rnmg.Mar. ih.- average (und had lol’.l'lee. e.iiiilMninj; annual ev|>ense^ ol 0.82“,i plu» an inMuanie e^p'n>e ol 1.27".,. Souree: .\U.rningslar. Inc.. lor periods endine 7/,^IA)8 •4. Sourcc; .WorningMar Prim ipia \ TI.\.\-CRi:i ‘ i-xpeiiNcs arv suhict l to c hange .uul iuc nol guaraniet-.l lor thi- lulure. Past perlornwrife Is no guarantee oi rurM.-.* ...cl.- I lnl(\ idual an.I InMitulional Services listrll)utes CKI:K certilicate'x ami interests in the TIAA Real Ksnte Accouni ^ I'or more complete inlormation, including charges ami expenses, call I 800 8-12-2776. e.stension 5S09. tor the pi'ospectuses Real them carelulK' before \ou invest or send money. rs Picture This: Fun, Magical Books A Rd^raicc for the of Us! PHOTOG'R^P^'^ W A Rcfercnce fur the Rest of Us! hf RutmV Htrt A Reference for the Rest of Us! i) Ottid fcgut ssrsrws- (NAPS)—You may be inter ested in two magical new books that can be a snap to figure out and learn Magic for Dummies by David Pogue and Phologrophy for Dum mie.v by Russell Hart (IE>G Books Worldwide, $19.99 each), follow on the successful heels of other books in the Dunirjiies series. One book shares the mystical secrets of magic tricks while the other offers readers an easy way to learn the basics of photography. Photography for Dummies opens with helpful tips to getting picture perfect photos including this advice • Frame, don’t aim. Use the whole viewfinder to compose your shot. With people pictures, place heads near the top rather than dead-center. • Place the subject ofT-center. This is an easy way to make vour A Reference for I the Rest of Us! I pictures more interesting. • With a point-and-shoot cam era. lock the focus on the main subject before shooting. In Magu for Dummies, you can learn more than 90 easy-to-per- form tncks using everyday items, such as money, silverware and playing cards. Here are some tricks you can learn from the book • The Stretchiest Finger in the World • The Bendy Spoon • The Evaporating Sugar • How to Shuffle without Really Accomplishing Anylhmg Photos and presentation tips arc provided for ever) trick. Although both books are target ed to nonces, they can be used by anyone interested in the subjects Both books are available at most bookstores. You can also visit w\vw.dummics;.com on the Web. Holiday Dishes Evoke Special Memories That Bond Generations Together '.NAI^Si lui'key. .stunin^. tjranbeny sauce, pumpkin pie. .How does a lav.jrite Ibod heconu' a holiday tradition'.’ .Accoi dini; to Barbara Haber. culinar\' hi.storian and curator ul'cookbook.s at the .Schle.^inger l.tbrarv al Radclilfe Coileiio. people tiy lo replicale food.s they grew up with, especially at holiday.s, "Our most cherishcd rccipcs are ol'teii those made lor the entire family during the holidays.' Ms. Haber attributes this behavior to the ongoing desire to connect ourselves back to our roots and keep in touch with past generations. l-ike turkey. sluCring. cranberry sauce and pumpkin pie. the ■quintossenlial" Green Bean Bake is a traditional holiday I'avoritc. This dish, invented in 19')5 by Dorcas Reilly, manager of the Campbell s Test Kitchens, remains one of the company's most requested recipes According to a national .surve\' by Opinion Research CorporalKin. Campbeli s estimales that over 20 million Green Bean Bakes will be served on holida\' tables this year. Simply mix canned, frozen or fresh green beans. Campbell's rre.im of .Mushroom Soup, canned fried onions, milk, soy sauce and pepper, and your Green Bean Bake is ready for the o\en in just 10 minutes. .As a slight variation, use Campbell's 98'; Fat I’ree Cream of .Mushroniii Soup So. this holiday sea.son keep witli tradition nr start a new one and servo Green Bean Bake. Campbell’s Green Bean Bake Prc/) /CooK' Time: 40 nun. 1 can {10‘/i oz.) Campbell’s Cream of Mushroom Soup or 98'’^ Fat Free Cream of Mushroom Soup '^2 cup milk 1 tsp. soy sauce Dash pepper 4 cups cooked cut green beans 1 can (2.8 oz.) French’s Fried Onions (I'/'i cups) 1. In 1 casserole mix soup, milk, soy sauce, pepper, beans and /j can onions. 2. Bake at 350 F. 25 min. or until hot. 3. Stir. Sprinkle remaining onions over bean mixture. Bake 5 min. or until onions are golden. Serves 6. The College Quest Just Got Easier (NAPS)—The quickest route to the right college can be found on the information superhighway. For today’s 3.6 million high school seniors, accustomed to find ing a variety of shortcuts online, it seems only logical that the Web should supply a one-stop solution for their college choices. That's why teens and their par ents are now using Web sites such as CollegeQuest.com to help them through the daunting college search process of choosing col leges, preparing for standardized tests, applying to colleges, and financing the investment. Designed to be a personalized tool for students and parents, the CollegeQuest.com site, from Peterson s, takes the user through each step of the college search process, making it the most com prehensive Web site of its kind. With the growing trend of Internet use for the college search, we really saw a need for a Web site that offers the breadth and depth of functional ity that CollegeQuest.com does, including organizing the entire process for you,” said Stephen Smith, Director of Interactive Media at Peterson’s. Over 3,500 U.S.-accredited col leges and universities are profiled with CollegeQuest .com. These profiles are searchable by various criteria, allowing stu dents to create personalized rat ings. rather than relying on rankings developed by outside sources. I want to pick a school based on the characteristics that are important to me." said Courtney Smith, a high school junior from Washin^on, DC. “It’s great that Columbia may rate tops on some lists, but if I’m looking for a small private school in the South, those lists become pretty useless." Tips For The College Search 1. Start early. List colleges. Don'l wait until your senior year to take the SATs—you may want to take them again. 2. Use the Internet to find out about colleges, financial aid, even take virtual campus tours. 3. Evaluate your academic pro file with GPA, class ranking, SAT scores. Advanced Placement classes. 4. Think about what you want in a college: majors, athletics, cultural activities, etc. 5. Do research. Check out the college’s Web site, read its online newspaper. 6. Talk to people. Use Internet forums and e-mail to chat with other students, alumni, faculty, and college admissions officers. 7. Visit the campus. Take notes and prepare for the admission interview. Ask questions. 8. Organize applications. Note the deadline and start early on the essay. 9. Look into financial aid and scholarships. Get advice from your guidance counselor and use online tools. 10. Apply to five to eight colleges. Aim high, but include a school where you’re confident you'll get in. Source CollegeQuesi com CoHegeQuest.com also includes. • largest online database of 800,000 scholarship awards • online applications accepted by more than 1,200 colleges • application management tool to organize the process • forums with college admis sions experts, guidance coun selors, and financial aid officers • SAT/ACT preparation and practice tests , • calendar of key events and dates.
Winston-Salem State University Student Newspaper
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Nov. 1, 1998, edition 1
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