BUSINESSWEEK ONLINE : JULY 5, 1999 ISSUE
BUSINESSWEEK INVESTOR -- THE BARKER PORTFOLIO

The Difference a Point Makes


Deciding whether to trade in an annuity can seem like high finance. Not so. 
Here's a worksheet to help you.

                                                OUR EXAMPLE
                                       ----------------------------
                                       CURRENT ANNUITY   ALTERNATIVE
1 CURRENT ANNUITY VALUE                   $100,000             $0

2 SURRENDER CHARGE                              2%

3 CASH AVAILABLE TO REINVEST                              $98,000

4 ANNUAL RETURN ON ANNUITY                      4%             5%

5 VALUE AFTER 1 YEAR (Annuity balance     $104,000       $102,900
  times 1 plus annual rate of return)

6 VALUE AFTER 2 YEARS (Value in line      $108,160       $108,045
  5 times 1 plus annual rate of return)

7 VALUE AFTER 3 YEARS (Value in line 6     112,486       $113,447
  times 1 plus annual rate of return)


                                                  YOUR CHOICE
                                        -----------------------------
                                        CURRENT ANNUITY   ALTERNATIVE
1 CURRENT ANNUITY VALUE                      $_______           $0

2 SURRENDER CHARGE                               ___%           0%

3 CASH AVAILABLE TO REINVEST                               $______

4 ANNUAL RETURN ON ANNUITY                        __%          __%

5 VALUE AFTER 1 YEAR (Annuity balance       $_______       $______
  times 1 plus annual rate of return)

6 VALUE AFTER 2 YEARS (Value in line
  5 times 1 plus annual rate of return)

7 VALUE AFTER 3 YEARS (Value in line 6      $_______       $______
  times 1 plus annual rate of return)


_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

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TABLE: The Difference a Point Makes



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