Herald & Lantern 3 October '84 ^

County Library— | by Kathleen Duffy

The Cape County Library is sponsoring a free series of workshops on Srfiall Business Accounting and Financing, tomorrow, Oct. 18 and 25 on Thursday evenings at 6:30. If you are one of the many Cape May County residents who dream of starting and managing your own business, or have a business that you wish to improve, reserve your seat at these high-demand workshops. Preregistration is required and the Sept. 22nd workshop was filled. CO-SPONSORED by the U.S. Small Business Administration. the Cape May County Chamber of Com- .. merce, SCORE (Service Corps of Retired Executives), ACE (Active Corps of Executives ) , Community Accountants, and r the National Association of / Accountants — South V Jersey Shore Chapter, this \ workshop will answer all Ariose questions about part/J nerships, incorporating, what type of business records are needed, how to approach the sources of capital, marketing, advertising and promotional plans, legal considerations, regulations, taxes, insurance and more. The following titles are just a small selection of the books on running a small business that await you on the over-flowing shelves of the county library. - t Home. Inc.. How to Start i and Operate a Successful < Business from Your Home l by Stuart Feldstein, is a < pioneer manual on the i modern home business i which combines lively in- ! terviews with brass-tacks s instruction for starting a < successful home-based business. In chapters on * zoning, taxes and ^ marketing, author Felds- 1 tein, corporate strategies f editor of Business Week, ( prepares you for dealing r with even- aspect of setting r up your home business — r from fighting your initial T fear that it'll never work to c acquiescing to the need to i move your overgrown, pro- a digiously successful enter- t prise to its own quarters s nntciHo trsua*. Umma your

Dollars on Your Doorstep; The Complete Guide to Homebased Businesses by Gregory F. Kishel and Patricia Gunter Kishel is a practical, flexi--ble. and inspiring handbook full of concrete how-to-do-it information. How to approach business lenders, is your idea saleable and other questions are dealt with effectively. How to Do Your Own Accounting for a Small Business by Robert R. Milliron will help you set up a simple accounting system lor your business, hobby, or sideline. It is written in clear, explanatory terms that will teach you the language and concepts of accounting. No previous exposure to accounting is necessary. ALONG WITH the step-by-step instructions with complete definitions and examples cover all the necessary accounting pro-

cedures. From setting up your accounts to analyzing the significance of your financial statements, from petty cash to accommodating the IRS, it's all answered here. Practical Accounting for Small Businesses by Laura Kirsner and Lyan Taetzsch gives you a firm grasp of accounting theory and specific methods to implement, it. The authors take you step-by-step through the entire process of setting up a double-entry bookkeeping system for any small business. The book fully covers every major kind of common transaction, focusing on the special accounting problems of retailers, manufacturers, and partnerships. This new revised edition shows you how to computerize your business using a low -cost microcomputer. YOU WILL discover why internal controls are necessary, how to protect your business assets and records, how to guard against fraud and theft, and how to determine the health of your business and plan for the future. Specific managerial accounting techniques explained include break even analysis, calculation of financial ratios and cash budgeting. Principles of Small Business Management By William N. Macfarlane considers the small

business manager's tasks, deciding on a business location, evaluating franchise opportunities, risk management and inmanaging credit sales and collections and special 'problems in employee relations. How to Win the Battle Against Inflation With a Small Business by Murray M.D. and Franz will help you get top of inflation by recognizing good investment opportunities and making prudent choices. book assists in evaluating the spectrum of investment opportunities and guides you with practical, logical advice and specific case histories.

IT WILL HELP you recognize where NOT to put your money. There are ! advice and discussion on familiar investment areas such as real estate, stocks, currency, coins, commemoratives, computers, mail order, auctions, home building, inventions, and less familiar innovations such as barter, recycling and many others. Discussed are also unusual tax shelters, how to create your own job opportunities, opportunities requring no investment, opportunities requiring only modest investments and which investments to avoid. * J » The Two-Boss Business: The Joys & Pitfalls of Working and Living Together— and Still Remaining Friends by Elyse and Mike Sommer is designed for couples who want to combine two dreams into one: working — the modern'' Mom and Pop Business. Who will rule the roost? Is a co-star arrangement or a star-support player setup best for your situation? Is franchising ideal for you, or would buying a for-sale business suit you better? What about starting from

scratch? If you have kids, where they fit into the picture (Who says they only get in the way?). How to leap from the post-start-up plateau^, harnessing your costs ana) profits; getting control of your time; set1 1. ■ . . ,

ting new goals and reaching them. For this and more small business information check out the shelves of the Cape May County Library and take advantage of the free courses!

Autumn At The Beach — The ldng white beach is deserted, Swept clean by winds from the sea and Only the hungry gulls remain To welcome the breakers and me; The sun no longer rudely glares Above the ocean's restful blue, But drowies in the autumn sky To reminisce the long day through. And though a melancholy note Hangs in the autumn atmosphere. With only gulls to welcome me, I love the beach this time of year; I love the restful quietness Found here along the lonely shore I find a strength in solitude To make my trembling faith secure. by Viney Endicott

loyride III By Libby Demp Forres

; I'll tell you a secret. It's aggravating being married to a man who loves to sing first thing in the morning, a man who tells corny jokes even before the alarm dock rings It's a little embarrassing to have a neighbor tell me. "Your husband was up early today . wasn't he9 We heard him doing gospel in the bathroom " My greatest fear is that someday when we are out-of-town some motel keeper will have us thrown out because the other guests complain about The Hubby 's early morn ing serenade. a I have tried to tell The Hubby jhat not everyone awakens in a good mood. In fact, everyone in the household has tried to tell him There have been times we tried unilaterally in unison to make the point. THERE ARE MORNINGS when from every bedroom in the house we sound like the Waltons in reverse, instead of saying good-night to one another we are yelling and shouting and snarling at The Hubby. I have tried hiding my head under the pillow, but still The Hubby sings Broadway or Christmas carols in the ' shower oblivious to the rest of the household "Can I help it if I wake up happy?" The Hubby says while I sit in bed wringing my hands, wanting to wring his neck. 1 The one morning I threatened to leave him if be didn't stop the daily recital, he only laughed and went up an octave. #2 overheard me and dragged himself out of bed to stand in the doorway of my room. "You know you're not going to leave him. Mom," he said. "Nobody else would take you in." Then he turned and shuffled back to bed I CAN* ACCEPT singing in the shower if it goes on at reasonable hours such as seven or eight o'clock in the morning, but at 3 a.m. or 4 a.m. when The Hubby rises to get an early start for a business trip, the househoid lies unprepared for a musical assault. The Hubby even greets the darkness with "Good morn ing," while I ponder what kinds of stores wives can go to that sell muzzle-like devices for singing husbands The mornings when The Hubby not only sings, but goes through his repertoire of bottomless jokes, the household vents its steam by shouting out the punch lines first (We've already heard most of his jokes. ) "I don't think you jokes are funny," I growl while The Hubby prepares to go downstairs "How tan a beautiful woman be so grumpy in the morn ing?" The Hubby says as he kisses me goodbye

4 1 1 WggMSf WfW — i-fHrnTri l'" n rrrTrn rn nTT": ^ V , c :=: • . j : " ^ _ High-interest Choice Savings Certificates

Certificate :Term * 91 days 6 months . 12 months _ 18 months 2V? years 5 years

Annual Yield 10.86% 11.35% 11.73% 11.89% 12.06% . 12.44%

Current" Interest Rate 10.45% 10.90% 11.25% 11.40% 11.55% 11.90%

Minimum _ _ Balance $2500 2500 "2500 500 aio 500

Insured up to $100 000 by the FS L I C 'Substantial inter es penalty lor early wrtftfrwai ► "T ' These rates are available throuoh ■ OCT 9. 1984 Rates change weekly The current rates are always available - — - _ 4 at your local Cape May County Savings and Loan office —

— I-4-H-I-H-H-TH^-I I

-+-hFH-H-^^WTT-- : - We're in the business of making - your money make money, f— |— — I II II I III M i l i i i i l I I I 1 IT . ,

Cape May county savings a Loan j — - - u i i i i i i i i i t^rrr-H ; — - — Main Office: 225 N. Main St .Cape May Court House 465-5600 — f — — -j — f — f — — — y j 4— — . _1_ . j_ Branch Office*: 217 Jackson St . Cape May 854-0900 • 3301 Atlantic Avenue. Wildwood 522-2447 • 1880 Bayshore Road. Villas 888-2773 • 40 % Shore Road. Marmora 390-3500 • 301 Asbury Avenue. Ocean City | ~ ~ ~ — 398-7400 • Opening soon: Rts 9 and 47. Rio Grande -T — — — — — — — l—l — i — I — i i . j 1 - 1 ii i i i i H i i i. M i II 11 M II 1 11 I ffl4 isas8i«m»aii&i!i8siiai8gi«3sgstm8mgi^^ —