ment and using a variety of protective devices, often

including options or futures, the insurance companies that offer these

instruments keep the money at work in the stock market

while guarding against meaningful losses.

Although this sort of strategy could be prohibitively

expensive for individual investors to manage on their

own, for a professional adviser handling perhaps hundreds of millions of

dollars, the cost is quite manageable.

These products, often referred to as "equity index

annuities," may differ from each other in many important

ways. The guarantees, for example, can vary widely. The stock

market "participation rate" can be radically different. Some

products pay dividends, others don't. Expenses can be relatively

moderate or extremely expensive.

A professional investment adviser can guide you to

products worth examining, and he or she can provide you with a

prospectus that outlines the features, fees and

management practices associated with each of them.

For a free kit (which includes a brochure and prospectus)

on hedging investment risk through an equity index annuity,

call Travelers Life & Annuity at 1-800-842-9331. (Please read

all prospectuses carefully before you invest or send money.)

AARP Tax-Aide volunteers will provide free tax assistance for older

taxpayers of low to moderate income and low income taxpayers through the

Tax-Aide/TCE program at several locations in both Fayette and Coweta counties.

The AARP is the nations largest free, volunteer-run tax preparation

service available to all taxpayers with middle to low income with special attention to

those 60 and older. The 31,000+ AARP Tax-Aide volunteers, trained in

cooperation with the Internal Revenue Service,

help over 1.5 million taxpayers file their federal, state and local tax returns each

year at over 10,000 AARP Tax-Aide sites.

Volunteers are tained to assist in filing basic tax forms, including the 1040,

the 1040A, and the 1040EZ. Taxpayers with complex tax returns will be advised

to seek professional tax assistance. AARP Tax-Aide started in 1968 when four

volunteers helped older taxpayers complete their tax returns. Since 1980, the

program has operated under a cooperative

agreement with the U.S. IRS as part of its Tax Counseling for the Elderly

program.

The following locations will host the AARP tax assistance:

· The Newnan-Coweta Public Library located at 25 Hospital Road

in Newnan, Feb. 3-April 14 from 9a .m.-1 p.m. on Wednesdays only.

· The Peachtree City United Methodist Churc located at 400

Windgate Road in Peachtree City, Feb. 1-April 12 from 10 a.m.-2 p.m. on Mondays only.

· The Prince of Peace Lutheran Church located at 257 Ga.

Highway 314 in Fayetteville, Feb. 2-April 13 from 9 a.m.-1 p.m. on Tuesdays only.

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