Newspaper Page Text
Page 6A
- Wednesday, June 15,1994 "H0u5t0n Times-Journal
FDA may eliminate natural medicines
Have you ever wondered where
prescription drugs come from?
Today, more than half of the
medicines in use come from plants.
In every 12S plants thoroughly
studied, one has yielded a major
medicine that is so popular each
grosses around 200 million dollars
each year on the market
Compare this with looking for
medicinal activity in newly
synthesized chemicals: Only one in
10,000 have proven useful. So it
doesn't make sense that in the
United States natural products have
been systematically eliminated from
the pharmacy. Now the FDA
wants to eliminate them from
natural food stores as well. Why?
ssMoneyss. Natural compounds
are not patentable, so they are not
profitable to the drug industry.
They are safer than prescription
Ten common errors of investing
As you work to achieve your
most important long-range goals
(building wealth, preserving capital,
planning for retirement or a change
in lifestyle or funding college for
your children or grandchildren),
some education about the basic
principals of investing can help
make that journey easier.
The following is a checklist of
errors and the corresponding
principle of investing to help you
avoid some common pitfalls.
1. Unclear Investment
Objectives
Your first step before beginning
any investment program should be
to drfine your goals. What are you
trying to achieve with your money?
Are you seeking to build wealth
over time? Do you need to preserve
capital and use it to generate a
current income stream? What are
your tax concerns? Focus on your
long-term needs and shorter-term
requirements for income.
2. Incomplete
Understanding of
Investments
Once you have established your
goals, the next step is to have a full
understanding of all the investments
you're considering for your
portfolio. Ask questions...and keep
asking questions until you get
answers that make sense to you.
•How does this investment fit
into your overall portfolio?
•How does it compare with other
investments with similar rate of
return or potential for growth?
•What are the risks involved?
•When will you have access to
the money?
3. Investing Without
Regard to Changing Market
Conditions
Just as your objectives may
change over time, so may the long
term prospects of financial markets
and economies. In addition, from
time to time, individual securities
and industry groups may experience
an increasing or decreasing amount
of investor acceptance. While long
term investing tends to smooth out
the short-term fluctuations and
cycles of the financial markets,
investors should be mindful cf and
responsive to fundamental trends.
Review your holdings periodically
with this in mind.
4. Portfolio Holdings are
Inconsistent with Your
Goals
Once you are clear about what
you want to achieve through your
investments, you still need to make
selections for your portfolio that are
consistent with those goals. Your
selections should be based on the
extent to which you are seeking to
build wealth and/or generate current
income. These factors would
determine the amount of risk you
1P :
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DR. J. CRAIG PATTERSON
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or excessive motion of the spine, a muscle strength test and a private consultation to discuss the
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drugs, but the FDA doesn't really
care about that.
This has produced a situation
where most of the U.S. population
cannot afford prescription medicine.
These people turn to the natural
products at health food stores. The
situation that has developed over
the love of money is sad, but
bringing people back to the use of
plants as medicine is not sad.
The earliest records of plants as
medicine are 5,000 years old.
Today, plant remedies are the major
source of medicine to more than 80
percent of the world's population.
Everywhere in the world, outside
the borders of the U.S., natural
medicines are growing in use,
popularity and esteem.
The German government has
approved more than 250 natural
remedies for the treatment of
are willing to accept. The more
risk you choose and are able to
assume, the greater the potential for
profit...or loss. Conservative
investors would be wise to invest
in higher quality securities that
offer a greater degree of safety and a
reasonable return; aggressive
investors may select as part of their
portfolios more volatile securities,
sacrificing safety for potentially
greater profits.
5. Portfolio Holdings are
Overdiversified/Underdiversif
ied
Within every portfolio there
exists a relationship between
number of securities and the dollar
amount each security represents.
Overdiversification-selecting too
many different securities--
diminishes the significance of an
individual holding. Good
performers can get "lost in the
crowd,” minimizing their positive
impact on the overall portfolio.
Underdiversification places a
disproportionate amount of risk on
a single investment (a portfolio
could have an over concentration in
any one holding, industry group or
type of investment).
6. Lack of Understanding
of Tax Laws
Many investors are unaware of
how tax legislation may have an
impact on their investments.
Changing tax laws only complicate
this problem. You should
continually review your investment
strategies with your financial
consultant and tax advisor.
7. Profits are Taken Too
Soon
Some investors consistently take
profits early for short-term gains.
This practice, better defined as
trading rather than investing, can
diminish overall profit potential by
limiting participation in a good
investment. While trading may be
a valid strategy for a portion of
your portfolio, investing is a long
term process, and a fundamental
principle of financial planning.
8. Losses are Allowed to
Run
If an investment performs poorly
and its value decreases, you are
often better off cutting your losses
quickly rather than waiting for a
turnaround that may never come.
9. Overlooking the Time
Value of Money
The true worth of certain
investments-those in which
interest or dividends earned are
compounded over time-is often
overlooked. In essence, as an
investment generates interest or
dividends and as you reinvest those
earnings, that new money also earn
income. The earning potential of
these long-term investments is even
greater if interest is allowed to
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You may have one of these 12
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Low Back Pain Painful Joints Arm/Leg Pain
Headaches Bursitis Muscle Spasms
Neck Pain Dizziness Numbness Arm/Leg
Arthritis Hip Pain Pain Between Shoulder
diseases from the common cold to
heart disease. Japan has also
approved hundreds. The World
Health Organization recently
approved guidelines for the sensible
regulation of traditional medicines.
In other countries natural
remedies are preferred for treating a
wide variety of ailments, offering
improved safety at lower cost than
synthetic medicines. Many foreign
governments have approved organic
preventive medicines for heart
disease, liver disease and cancer. In
Europe and the Orient natural
immune stimulants are widely
available for prevention of disease.
Preventive medicine is not so big
in America. In 50 years of drug
regulation our FDA has approved
only three over the counter
preventive medicines: Sunscreen,
flouride toothpaste and motion
Jake
Campbell
Financial
consultant
accrue on a tax-free or tax-deferred
basis.
While the compounding effect
impacts an investment positively,
inflation can often be a negative
force that reduces the purchasing
power of your dollars over time.
Many investors want to create a
hedge against inflation. To them,
an investment is successful when
its total rate of return (interest or
divident yield plus capital
appreciation) is greater than the rate
of inflation.
10. Unrealistic
Expectations
There is no magic formula for
investing successfully. In the
world of investments, building
wealth takes patience, discipline,
and a basic education in the
fundamental principles of investing.
Setting goals, asking questions and
developing a sound financial plan
are part of that process.
(Editor’s note: Jake
Campbell is a financial
consultant with The
Robinson-Humphrey Co.
71st infantry
reunion planned
for all members
Fifty years ago the 71st Light
Infantry Division with mules
became the 71st Infantry Division
(without mules) and moved to Ft.
Benning, Ga., for training before
going to the ETO. Men and mules
who served with the Division at
Camp Carson, Hunter Liggett, Ft.
Benning, or in Europe can recall
these early days, meet old friends
and make new ones, at the Division
Reunion in San Antonio, Texas,
October 6-9, 1994.
Write for reunion and
membership details to the 71st
Division Association, P.O. Box
462, Flossmoor, Illinois 60422-
0462.
Units of the Division included:
sth, 14th, and 66th Infantry
Regiments; 607th, 608th, 609th,
and 564th Field Artillery
Battalions; 71st Division
Headquarters and Headquarters
Company; 71st Cavalry Rccon
Troop; 251st Quartermaster
Company; 271st Engineer
Battalion; 371st Medical Battalion;
571st Signal Company and the
771st Ordnance Company.
L
w JpEinnas j
sickness pills.
The herbs are on this earth, even
in this country, for our medicine.
When used properly they are very
beneficial and wonderful. We
should stop waiting and counting
on the FDA to approve them as
medicine, or to even admit that they
are useful in any way, because that
is not going to happen. Their main
goal is to figure out how to make
prescription drugs out of them so
they, along with the drug
companies, can make a monstrous
profit from it.
Call
987-1823
to
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today!
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