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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 : jjp DR. J. CRAIG PATTERSON FIND OUT NOW WHETHER CAREFUL PROFESSIONAL CHIROPRACTIC CARE CAN RELIEVE YOUR ACHES AND PAINS This examination normally costs $35.00 or more. It will include an orthopedic test, a neurological test, a blood pressure test, a spinal alignment check, an examination for restricted or excessive motion of the spine, a muscle strength test and a private consultation to discuss the results. Any further treatment shall be agreed upon in writing by both parties. PATTERSON *»>«». CHIROPRACTIC CENTER 1304 Macon Road • Pnrrv. Georgia • 98/-7555 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 FREE FULL SPINAL EXAMINATION No Obligation, Nothing to Pay You may have one of these 12 DANGER SIGNALS OF PINCHED NERVES: 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. 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