r
Stretching Your Dollar
By Philip J. Goldberg
Institute for Financial Planning. Inc.
I
I
DEAR MR. fJOLDRERfi:
Every placp you go. people are
always trying to sell you lif«* in
surance. The other <tay my neigh
bor's son called me on the phone
and tried to sell mo more cover
age l think I have enough at
ready. How do you know w hat is
enough"
NO SALES RESISTANCE
DEAR NO SALES RESIST
ANCE:
It is always pleasant to l>eable
to help out a brother-in-law, cou
sin or young man just getting
started in the business But life
insurants* should no longer tie
bought on the basis of doing
someone a favor. You are entitl
ed to have your needs and ob
jectives analyzed and program
med by an expert. You should
not be buying bits and pieces of
life Insurance from anyone who
asks you just because you're a
“nice guy" You should have tine
trusted insurance agent w h o
periodically reviews your family
situation with you and helps you
ascertain what amounts and what
types of insurance you need. The
question is not one of "enough"
(but rather what existing and ad
ditional life insurance will do
for you.
DEAR MR. GOLDBERG:
Each time m> wifi- suggests
that I met ease my life insurance
coverage. I begin to suspest that
something is in th«- hack of her
mind. I lovi- hi-r very much. hut i
ki'i-|» wondering why the wants
mo to have so much lifo insur
amt*. What’s tin* iwst way to al
leviale my fears?
EXPECTING THE WORST
DEAR WORST:
Perhaps you are spending too
much time watching TV myster
ies. You wdl probably agree with
me that if you died suddenly
your wife and children would Is*
in quite a predicament. If you
can afford as little as $2.00 a
week more, call your agent im
mediately. I have yet to hear of
anyone having too much life in
surance hut I have heard of
lonely, destitute widows ami or- i
phans!
DEAR MR. GOLDBERG;
I own a large business anti
have plenty of money in the
Ivink. I have no dependants and
enough money to last me the rest
, of my lift*. What could I possibly
do with a life insurance policy?
RICH AT H)
DEAR RICH;
By forming a non-profit four
uauon ami oonaung enamame
entkiwmcnl lift* insurant***
through that foundation, it is
possible that through your dona
tions. somt* day somt*ont* wiil un
cover the cause of tlist-ast- which
has constantly plagued mankind.
Charita h* endowment life insur
ant- can finance research anti
scholarships t .» make experi
ments in this field possible. Now
that society has been so Rood to
you. repav the favor h> doing
this, an'i you have really bought
fot-ever. immortality on the in
stallment plan.
DEAR MR. GOLDBERG:
I'm a ti.1-ye.tr-old widower and
an insuranct* agent keeps (tester
ing me about buying lift* insur
ance f ir a ridiculously high price.
Shouldn't I keep my money in
the Itank where I know it would
lit* safe and tell this agent to go
fly a kite?
SPRY BIT ANXIOUS
DEAR S BUT A:
If he knows your personal sit
uation as well as I sense ho does,
the answer is to have him- ex
plain his proposed plan to your
relatives who Would be responsi
ble for your final expenses, or to
your lawyer or financial adv isor.
If someone else whom you trust
agrees that tin* plan he proposes
is i*conomically sound. I'd su^
gest you stop him fr-»m flying
his kite and invite him to tea in
thanks for offering sound, pro
fessional advice.
DEAR MR GOLDBERG:
Some people say it’s bad luck
to think about life insurance. Of
course I don't agree with them.
out now do you argue wnn itirm
MR. RIGHTEOUSNESS
DEAR MR. R:
Describe to them y.»ur own life
insurant-** plan, and h.>w much
your own wife will receive if you
tlie. Point out how much you and
your wife will receive upon re
tirement. Show them hovv you
gel if you become disabled tern
porarily or permanently. Then sit
back with a satisfied smile and
ask them it this is “had luck"? I
have yet to hear of the person
who died from making out a will
I or buying a life insurance policy.
DEAR MR. GOLDBERG:
I saw an advertisement in the
’ newspaper about buying life in
surance in a department More.
Hie ad said it would be cheaper
because no agent is involved.
Phis seems sensible to me. What
do you think?
BARGAIN HUNTER
DEAR B. H.:
The next time you have a mod
iral problem, take a walk to the
pharmacy and describe your
symptoms to the man behind the
. counter. The next time you have
: a legal problem, ask the bank
, teller his opinion. This Is the
kind of advice you would get
from asking department store
clerks about lift* insurance If
yau would be satisfied with non
professional, quick-sale, “instant
I advice." by all means, ruin your
life in all three area* at oner.
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Oliver Set
For Coliseum
Charlotte. N. C. Christopher
Spooner was chosen for the title
role in new musical comedy hit,
"OLIVER" which is coming to
Ovens Auditorium for three per
formances beginning November
27. The smash Broadway hit will
be the only musical comedy play
ing Ovens this year and will be
presented nightly November 27th
and 2Xth at 8:30 with a Novem
ber 2Xth matinee at 2:30.
The lad, only 10 years old. hap
(tened to be in the audien<-e for a
. performance of “Hamlet" in New
York during the summer.
During intermission, he and
his mother drifted outside near
the backstage entrance for the
Broadway production of "Oliv
ier’’. An agent for the louring
company spotted the handsome
' youth
“Can you sing?" "Yes" “Are
you English?" “Yes British." At
this point, the happy casting a
i gent invited young Christopher
I and his mother to join him later
to meet the stage manager of
the Broadway production of
"Oliver!"
, When the lad proved he could
indeed sing and what is more,
'that he possessed a “good, natur
al voice.” he was invited to join
the road company of the rousing
musical hit.
Christopher's family was pleas
, on. hut hesitant. mis parents felt
a tow things had to he oloarod
up before they could let Christo
pher join the 35-member oast to
tour the United States. Mostly,
the family was concerned about
his education.
However, the headmaster of
the Cumnor House School, a pub
lic school in Sussex, about 40
miles from London, where the
boy is enrolled, approved Chris
topher's leave of absence. A tu
tor will travel with the touring
company to fill the educational
requirements for the youthful
members of the cast.
Although he was horn in Eng
land and has no difficulty at all
m convincing listeners of his
natural British accent, he can
just as easily have folks believe
he’s as American as apple pie.
Young Christopher has lived in
Pelham. N. Y. for the past two
years and prior to switching to
the English school, he attended
school there. Nine years in the
| U. S. A., he also has lived in
Evanston. Ill and Riverside,
Conn His father is general mate
ager of the British American
Chamber of Commerce New
York Office.
Although “Oliver!" marks his
professional debut. Christopher
has appeared in school plays. As
for boyish hobbies, lie's a minor
league philatelist and an ardent
beatles fan.
Tickets for the smash Broad
way hit may he obtained from
the Charlotte Coliseum Boz Of
fice.
Miss Cony Named
To Who's Who
MUs Patricia Corrv- daughter
of Mr. ami Mrs. Clayward Cur
ry of Route 1. Kings Mountain,
has hcen plerted to "Who's Who
in American Universities and Col
IPglfB
I
IN IIIK H
Greensboro, N. C.
She is a prerned major and a
member of Alpha Kappa Mu.
lleta Kappa Chi and the Senior
Honor Society.
Who added $666,599.00
to the bankrolls of
North Carolina service
stations last year?
...and who added $4,615,401.00
to the bankrolls of 951
North Carolina employees
last year?
The 90 wholesale distributors
of malt beverages
in North Carolina... that’s who!
Ws're happy to contribute our share to North Carolina's bankroll.
Ths dollars ws spsnd on many things-from oil, gas, tiros and
maintsnanos to smploysss* salariss - stay in North Carolina to
hslp kssp ths state's sconomy rolling. Ws're proud to play a part
in North Carolina's growing prospsrity. After all, whon North
Carolina grows, wa all grow.