FOR PROFESSIONAL USE ONLY
March 1998

ANNUITY ALERT by Shapiro Consulting Group The February 9th, 1998 issue of Forbes Magazine carries a cover story entitled "The Great Annuity RipóOff". Needless to say, this article is not particularly flattering. As a matter of fact, it is the most insidious article on annuities to be written since the passage of TRA 97, and perhaps in the history of the press covering annuities. Book of the Month by Michael Lovas These two books represent a collection of information that no business person should be without. Keep them together and call them your Business Warrior's Survival Guide. The International Foreign Exchange Market by Jason A. Jankovsky Many readers may think that "International Finance" or "Global Trading" is a complicated thing, beyond the grasp of most investors...however, the Cash Interbank FOREX market is really no different than any other central marketplace. Practical University of North America Bringing dreams and realities together by John H. Melchinger It is fitting to remind ourselves of our mission at Practical U. as an adult learning environment, and to rededicate ourselves to the distributors who learn here, so that they might serve best those consumers whose trust they require in order to sell, as well as those manufacturers whose products ultimately affect the lives of their consumers and distributors. Direct Mail Tricks, Plays, Writing and Strategy by Michael Lovas No letter worth reading was ever written in one sitting The Medicaid Trap by Michael Vallone Every senior in America needs to become informed about the Medicaid entitlement program. Ignorance and delays will cost a great number of our senior Americans their life's savings and in almost every case it could have been avoided.

THE TRUTH ABOUT BUSINESS TRUSTS by Michael A. Vallone The conclusion of an absolute "must read" article addressing the typical statements of IRS inspired articles and pointing out the false from the true. Breaking A Habit Part I by Mark Gorkin How do you break a self-defeating habit and build a self-affirming and strengthening one? Questions and Answers by Charli Williams, Executive Success Coach When seeking growth and change, new answers are required. But until one asks the appropriate question, no answer is forthcoming. Work-around Beats Futzing Around by Larry M. Elkin, CPA, CFP A good way to check your redundancy is to analyze the "critical path" that each of your key business functions must complete. The Benefits of the Revocable Living Trust by Myron Kove, Esq. And James M. Kosakow, Esq. Objections expressed by clients to the use of a will include the expense and delay of the probate process and the loss of privacy. Managing Yourself...Managing Your Time by Sidney A. Friedman, CLU, MSFS, RHU, ChFC If you don't have some discipline in your life relative to how you deal with the 24 hours in a day, I don't see how you can sell anything to anybody, because the sales process requires discipline, and so do you. It's the Right Time; It's the Right Place by Richard M. Weber, CLU How often have you spent time with a prospect who has both a need and the resources to do some thing about that need, but ultimately "buys" elsewhere? This site is best viewed with Netscape Navigator 3.0. Download Netscape Now