INVESTING YOUNG PAYS OFF BIG LATER 

       Q. : I'M A TEENAGER. WHERE SHOULD I INVEST MY MONEY ?

                                                                                             -E.R. MOBILE

       A.: College money shouldn't be in stocks, because the market could drop in the short term.

             Long-term investments can patiently ride out downturns, so consider keeping money

             you won't need for five or 10 years in stocks. Short-term investors should stick to safer

             plays, like money market funds or CDs.

             You're smart to start young. Let's say you 're 14. you invest $500 in a stock index fund

             and it earns the market 's historical average annunal rate of 10 per cent. In 30 

             years, when you're only 44 it'll become $8725. Sock it wasy until retirement at 65

             and it'll be nearly $65000. Add to it over the years, and you're looking at early re-

              retirement !

             Teens ( and clever preteens) can learn more at www.teenvestor.com

              www.brasscu.com  and www.fool.com/teens  and from our Book, " The Motley

              Fool Investment guide for Teens: 8 steps to Having More Money Than Your 

              Parents Ever Dreamed of ." by David and Tom Gardner with Selena Maranjian

              (Fireside $14).

               DO YOU WANT TO DEVELOP YOUR MUSICAL SKILLS?

               Stanley Derrico with Derrico Productions is offering singing as well as lessons

               for youth interesting in learning a new instrument. For more info :

                                                                              404-444-7091

                                                                      kahlia7500@aol.com

             .