Newspaper Page Text
PAGE 8A
t*- FORSYTH COUNTY NEWS - Sunday, January 10,19 W
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tso 2’ 25% >1
fe. *94 PS 26W ♦’h BellSouth Corp. 449 1/2 4-1 3/8
O J$ Coca-Cola Company -67 13/16 -1 5/8
® Sg 2 S.2ih McDonalds Corp. 4-80 1/2 4-2 5/8
M£gri4Southern Company 4-28 3/4
Br*“ *g5 Xg "?/i Wal-Mart Stores Inc. 4-83 1/2 -5/8
Tyson Foods -21 1/2 4-1/16
j||lyWWM' l '%> change YTDg4S.O3 Home Depot 4-58 1/8 -5/16
>- . 6 Ford Motor Company -65 4-3 3/16
■S ■32 *»«« j Scientific Atlanta 4-29 3/8 4-2 1/8
AT&T 4-85 3/16 4-2 15/16
intel 12911/16 +7/16
IJS 21 1233<»1 3 -’ Microsoft 1497/8 -5/8
pH .94 238tt20'-A '-3 Regions Bank 397/8 -3/8
- Atlanta Gas Light 4-22 3/8 4-3/16
■F 31 tn M3I3W -5 GTE 651/4 ' 7/8
■ • Close: 1275.16 p /t x -3 Coca-Cola Enterprises -33 5/16 4- 3/8
■| Pepsico 441 3/8 4-5/8
* 5 2411© Georgia Pacific -69 1/4 4-2 3/4
<--■ ■tlf4le ..... 7 1; Delta Airlines 4-59 3/4 -3/16
4 W J FATS 121/32 4- 1/8
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W sClose: 2344^2 <B teW-13 InlMl w® *
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* r ’ 2o 11 ** 210 Dahlonega St.. Cumming, Ga.
‘ S John Weaver $8) W -1800 .
-* 1 ' 3 «lt -«£ < JWWWt- S-ASV... I
Mutual funds: Cost to buy vs. cost to own
There's an old song with a mem
orable saying in its refrain: “The
best things in life are free.” The
lyrics refer to the great outdoors -
liuty of the stars, a hike up a
ain or the sound of the surf,
re’s gifts are free to enjoy,
ten it comes to man-made
ions, there is a different old
that fits the bill: “There’s
ti thing as a free lunch.”
adage applies to no-load
1 funds. A lot of people
this type of investment
ing that “no load” means
st.” If you’re one of those
•rs, you may want to com
e cost to buy vs. the cost to
fees - the cost to buy - are
-time expense. Annual
es - the cost to own - are
g and take the biggest bite
e long run.
< mutual fund has annual
es. The most obvious are
id to the fund’s investment
r, as well as marketing,
ising and distribution
s. Other fees include nor
. erating costs, such as office
spacfi, staff and equipment. Such
expenses are not charged directly
tq a shareholder’s account, but are
cfeducted from the fund’s assets.
'Riis means that there is less
money for shareholder returns.
Ilbwer expenses result in more
njoney for shareholders over the
laing term.
no-load funds may not
charge an up-front fee, their annu-
ii jOi
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al expenses can have a significant
negative impact on your return, so
it’s important to consider careful
ly the annual expenses of any type
of fund. You can find information
about a fund’s expenses in the
condensed financial information
of the prospectus or in the fund’s
annual report. It’s generally
described as the “ratio of expense
to average net assets” and is listed
for current and past years.
The average industry expense
ratio for a growth fund is 1.46
percent as calculated by
CDA/Wiesenberger. The average
for a growth-and-income fund is
1.42 percent, and for taxable fixed
income funds, it is 1.19 percent.
Statistics from Lipper Analytical
Services show the average no
load fund has an expense ratio of
1.32 percent.
If you are considering a fund
with a 2 percent expense ratio,
which is quite common, look for
that added expense to eat into
your profits. For example, com
pare two funds. Fund A has a .05
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CATERING
INSTRUCTIONS:
1. ORDER HUGE SUB.
2. BE HUGE HERO.
BLIMPIE. Blasts™ come in 3 foot (feeds
20) and 6 foot (feeds 40) sizes and are
made with only choice meats, real dairy
cheese, crisp vegetables and fresh baked
bread. Select from our delicious line-up of
sandwiches or party platters to custom
made an event for your group.
PFORSALE:
SUBS: 3 FT. OR 6 FT.
FULLY LOADED.
PRICED TO GO.
10% OFF CATERING.
I PfoaM present me ooMpon before onfor-
I ing Not vend If altered or duplicated. One
■ order per coupon. One coupon per cua-
■ tomer per vfoft. Customer must pay any
I aalaa tax due. Not qpod In combination
J With any other offer Cash value tztOO of
' t«. M hour advance notice please
567 Lakeland Plaza • Cumming
770-888-1888
FAX 770-206-6851
percent annual expense, and Fund
B’s annual expense is 2 percent.
Each earns a hypothetical 15 per
cent average compound total
return over a five-year period. For
a SIO,OOO investment, Fund A’s
expenses would be $365 over the
period, but Fund B’s would be
$1,460.
Annual expenses are an annual
“deduction” from your fund’s per
formance. If a no-load mutual
fund has a higher expense ratio
than a load fund, you may not be
saving money over the long run.
Over meaningful periods of time,
the advantage of low annual
A * PERSONAL
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~ -FAMILY B# JMSKKhAfI L
CARE
•HOUSE ■
Accent Mortgage
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New Location m
• Eddie Taylor ' ■
• Janice Linton f
• Sherry Sagemiller Mjjl
iQ (770)844-8558
riimmiMijiJijmipfmitijtiiiimLinjii i.jiii ii d.iwuji. nim u nrjoui.ii wan — <~t~: •» •w -
Jeevana K. Krishna, M.D.
Family Practice • Board Certified
is pleased to announce
the opening of her office of
Family Practice
Healthcare for adults and children
Ist Time Office Visit <tr> i-
Appfot to common afowfoauchw cofoe. sore -C
hyptifonolon. «K. < Ja 9
| 1230 Bald Ridge Marina Road
Cumming, Georgia 30041
Office: (770) 781-6393 I
|. Office Hour, by Appointment Accepting New Patients IJi
Ik Walk4ns Welcome
BUSINESS
New business
. - - -
• ■•' ■ \ - fc. „'* T < • » x . • . • . ,
Johnny's New York Style Pizza & Subs Photo/rom Brooks
Johnny’s New York Style Pizza & Subs, Cumming’s newest pizzeria, is locally owned and operat
ed by Lou and Denise Smith. Johnny’s is a family-oriented establishment offering New York-style
pizzas, oven-baked subs and calzones. The food is prepared fresh and in-store daily, and delivery
service will be available from 5-9 p.m. with a minimum order of sls. Johnny has coloring books
and crayons available for younger diners, and will host large parties or groups such as birthdays,
Scout gatherings or sports team events. Luncheon meetings and office parties can also be
catered. The Smiths and their three children live in the area. Lou handcrafted all of the benches
for the bar, which features a selection of domestic and specialty beers. Johnny’s is located at 91 f-
L Marketplace Blvd., in the Cumming Marketplace, near Home Depot and Wal-Mart Supercenter.
Hours are Sunday from noon to 9 p.m., Monday through Thursday from 11 a.m. to 9 p.m. and
Friday and Saturday from 11 a.m. to 10 p.m. Telephone: (770) 205-9317.
expenses will easily overcome the
upfront sales charge, even before
considering the performance of
the fund.
Whether you are considering a
mutual fund or already own an
account, ask the fund to run an
expense study for your examina
tion so you can see what the cost
to own is over the long-term,
compared to the cost to buy. Since
mutual funds are long-term
investments, you should focus on
the real issue: performance over
time.
- From the Cumming office
of John Weaver
Business notes
Quickbooks seminar
offered in Gainesville
“Accounting Using Quickbooks”
is a morning seminar being
offered on Wednesday, Jan. 20,
from 8:30 a.m. to 12:30 p.m. at
The University of Georgia
Business Outreach Services Small
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MF
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Business Development Center
located (inside Gainesville Bank
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Pre-registration and advance
payment of SBS is requested as ’
See NOTES, Page 9A