Chicago Tribune from Chicago, Illinois • 42

Business 6 Section 4 Chicago Tribune, Monday, August 14, 1989 Combating fatigue on two fronts Banks vs. money funds Bank-thrift yields Highest yields reported by federally insured banks and thrifts as of Aug. 9, based on stated rates and method of compounding for lowest minimum deposit available. Figures in parentheses are average annual effective yields offered by 50 large banks and thrifts in the top five markets. Individual yields' for 2.5-year and 5-year CDs are average annual interest earned over entire life of account, not "annual effective yield," which would only show interest earned the first year.

11.08 11.00 10.65 Liberty Svgs Bank, Randalistown, Md. City Claremont, N.H. California Thrift, Santa Barbara, Calif. MMDA annual effective yield (Nat'l avg. 6.47 pet) Life Savings, Austin, Tex.

First Deposit Natl Bank, Tllton, N.H. Sequoia Pikesville, Md. Empire Direct, Buffalo Gill Savings, San Antonio 942 9 26 9 25 9.15 9.11 $100,000 CDs (annual yield) 6-month CD annualized yield (Nat'l avg. 8.27 pet) (Annualized yields are for 12 months, and are based upon rate In effect at time account is opened.) Sun State Svgs, Phoenix 9.47 Western Financial Svgs, Orange, Calif. 9 41 Empire Direct, Buffalo 9 25 Beach Savings, Fountain Valley, Calif.

9 24 Guardian Huntington Beach, Cast. 9.20 1-Year annual effective yield 1 -month Heritage Svgs Bank, Richmond, Va. 9.15 Gill Savings. San Antonio 9 00 United Svgs Bank, Vienna, Va. 9.00 3-month Gilt Savings.

San Antonio 9 25 Heritage Svgs Bank, Richmond, Va. 9 20 First State Svgs, San Antonio 9.20 6-month Gilt Savings, San Antonio 935 Baltimore Fed Fin Baltimore 9.30 Western Financial Svgs, Orange, Cain. 9.25 Money fund yields (10 highest 7-day compound yields, for period ended Aug. 8) Argentina Continued from page 2 other state-run firms, she said, Entel has long been plagued by over-billing, illegal kickbacks to officials and rampant corruption. "We need not only to privatize, but to deregulate, too, she said.

If her efforts bear fruit, the phone company should be able to avoid massive layoffs because of its growth potential, Alsogarray believes. But the work force at other state-owned companies and the bloated government payroll will need to be slashed by at least one-quarter, some economists say. The prospect of massive layoffs in a savage economic depression is disquieting to many Argentines, who fear that the dislocation could trigger major civil unrest Menem and his advisers repeatedly have promised that they would not increase unemployment, but many experts say that will be impossible if his program is to have a chance. Last week some economists ex-, pressed worries Menem will not follow through with painful but necessary measures after his government scrapped plans to close two money-losing state-owned telelvision stations in the face of vocal protests by station employees. "If 500 noisy demonstrators can force the government to backtrack, the outlook for the government's emergency economic plan is bleak indeed," the Buenos Aires Herald warned in an editorial.

For Alsogarray, Argentina has no choice but to bite the bullet and withstand the hard times ahead. "When you have hyperinflation, people change, a society's value changes," she said. "Menem took the decision to break all the rules, to be completely different of what was expected of him. It will be very difficult But we have to do it or we will all go bankrupt" (Nat'l avg. 8.25 pet) 9.52 9.31 9.27 9.25 9.25 Sun State Svgs, Phoenix Sentinel Phoenix Seaboard Svgs.

Norfolk, Va. United Svgs Bank, Vienna, Va. Empire Direct, Buffalo Government-only money funds (Avg. 8.41 pet) Vanguard MMR Federal 1 Transamerlca US Govt Cash Res Prudential-Bache Govt Sec Trust FFB US GovernmenfFund Thoroughbred US Govt Oblig Prime Value US Govt Fund Mariner US Treasury The Rodney Square Fund-US Govt The Galaxy Funds Govt Fund Kemper Money Market Govt Port General purpose money funds 906 8.96 890,, 884 8.83 880 8.78 8.77 877 8.75 11 (Average Annual Yields below show the average yield per year over the life of the CO. The total interest earned on the account is divided by the number of years of the CD, and the result is the average annual yield in percentage terms.) 2.5-Year avg.

annual yield (Nat'l avg. 8.66 pet) (Average annual Interest earned over entire Ufe of account) Seaboard Svgs, Norfolk, Va. 9 93 Baltimore Fed Fin Baltimore 9 84 City Claremont, N.H. 9.80 Gill Savings, San Antonio 9.74 Sun State Svgs, Phoenix 9.72 5-Year avg. annual yield (Nat'l Avg.

9.56 pet) (Average annual Interest earned over entire Ufe of account.) Washington Svgs Bank, Waldorf, Md. 1 1 59 Baltimore Fed Fin Baltimore 1 1 .29 1 -tJ Professor Elizabeth Goldsmith's study finds "women had more fatigue and a higher 'role overload1 than professional men." (Avg. 8.68 pet) Harbor Money Market Fund Dreyfus Worldwide Dollar MMF Fidelity Spartan MMF Alger Money Market Portfolio Vanguard MMR Prime Prudential-Bache Command MF Prudential-Bache MoneyMart Assets Evergreen MM Trust INVESCO Treasurer's MM Res Dreylus Liquid Assets 10.02 9.74 9.60 9.50 9.27 9.27 9.20 9.18 9.17 9.17 When Professor Elizabeth Goldsmith's children, now 5 and 9, were toddlers, she was constantly fatigued. "1 was teaching class, spending time with my family, working at night when the kids were asleep, not getting enough sleep and had little personal leisure time," said Goldsmith, a tenured professor oi management and consumer economics at Florida State University in Tallahassee. Goldsmith, married to Ronald Goldsmith, a marketing professor at the university, realized what was happening to her and "took my summers and Christmas vacations to pull it all together." "By the time my younger child turned 3 and my older one was in elementary school, 1 was back in control, pretty much on a normal schedule, with a rhythm to my day," she said.

When it comes to fatigue, Goldsmith said, "I know a lot about it. I became interested in the subject I was in graduate school and saw how women were trying to handle all their responsibilities. And, I've experienced it myself." The professor, who has a bachelor's degree in social science from Florida State University and her master's and doctorate in family ecology from Michigan State University, has continued to be immersed in her career and family and also has continued to observe how being tired affects women and men. In 1987, she began a study of fatigue with a grant from the educational foundation of the American Association of University Women. The recently released survey was of 666 clerical and professional employees of Florida State University, 72 percent of whom have children.

There were more than 400 women in the study. Some of her findings: 60 percent of those surveyed reported they sometimes felt fatigue on the job; 60.5 percent reported they felt it at home. 2 percent were never fatigued at work; 3 percent never at home. 22.6 percent rarely felt fatigue at work; 18.3 percent, rarely at home. While doing her research, Goldsmith reports, she became so identified with the subject of being tired that "I became known as the Dear Abby of fatigue." Though she knows how important it is to have a sense of humor to combat stress, Goldsmith also emphasizes that fatigue is no laughing matter, especially to women who are "trying to manage both work and family areas of their lives and the spillover in between." "When I compared the 239 professional women to the 228 professional men in the survey, the women had more fatigue and a higher 'role overload' than pro- (x) Sources: 100 Highest Yields.

North Palm Beach, Fla. 33408, 800-327-7717, and Donoghue'a Moneyletter, Holliston, Mass. 01746, 800-343-5413. (k) Manager absorbing a portion of fund expenses. Carol Klciman Women at work the work with their family, about hiring more help such as baby-sitters and household assistants," said Goldsmith.

"They need to use the family money for more support service." She has done that herself. "After 18 years of marriage, this-year, for the first time, we hired a lawn service. Our house was behind a foot of weeds," the professor said. "We also have a maid service two times a month, after-school care for the children at their school and baby-sitters when we need them." Professional and managerial women report less fatigue because they believe they are more in charge of their lives, Goldsmith said. "They have more control over their time than do secretaries and clerical workers.

They reported less fatigue because they felt they were making choices, rather than having someone randomly throwing work at them to do." Exercise and proper diet help combat fatigue, but the professor emphasized that "people can handle an incredible amount of work and responsibilities if they like all their roles and the boss and the family are understanding and supportive." For Goldsmith, her work and family "are going well. I like what I do, am committed to my career and to my husband and children and I get a lot of support." And now she's rarely fatigued. fessional men." She said role overload occurs when "you never seem to get caught up that's 'role Goldsmith said. Combating fatigue is a job that will have to be done on two fronts, especially by women. "Women know they're doing too much in too little time," Goldsmith said.

"At the office, female workers need more people to share their workload. And, they need to have flex time." She has arranged an adjustable schedule in which she leaves early enough three times a week to pick up her children from school and to do something special with them, like taking them swimming. At home, she said, "it's critical that women feel their husband and children are supportive of what they're doing at work. And, if at the same time their employer respects their home responsibilities, women report they actually can take on more responsibility and not feel fatigued. The key is support, both at home and at work.

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"We're already doing that to some extent, but we haven align ed ourselves with any truckers yet, Haverty said. The railroad also is negotiating with the Chicago, Missouri and Western Railroad to purchase its 235-mile main line from Kansas City to St. Louis. "That would give us a St. Louis gateway, which the Santa Fe never has had, Haverty said.

As part of our long-term strategy, we AUTO LEASINGRENTAL BUSINESS TO BUSINESS would offer more options as a Santa Fe Continued from page 1 short term and insure that we prosper in the long term." The Santa Fe ranks last among the seven largest American railroads in revenue and track miles, a situation that Haverty said the carrier intends to improve on soon. The nearly system was founded in 1869 and is formally known as the Atchison, Topeka Santa Fe Railway Co. Its major competitors between California and the Midwest are the Southern Pacific and the Union Pacific Railroad. The Burlington Northern railroad is its primary foe in Texas for traffic to the Midwest. "Someday we may merge with someone, another railroad or a steamship company," he said.

"But before that, we want to be as strong as we can within the next five years. "Somebody isn't going to come in and take us over. When we sit down at the table, we'll be talking from a position of strength. "If we decide that we need to get bigger, it will not be a case where we go to one of the other six major railroads and say, "Take us We want a true partnership. We want to be strong enough to make sure that it is." To that end, Haverty and Rob- ert D.

Krcbs, 47, the Santa Fe's chairman and chief executive, have been out talking to employees and soliciting new business from shippers, ranging from California wincmakcrs to postal officials in Washington, D.C., and auto industry bosses in Detroit. They also have been showing off the railroad to shippers and analysts aboard some of the railroad's 18 remaining passenger cars, pulled by two of the first locomotives painted in the war-bonnet scheme. Haverty said that he vowed a year ago, while he was the Santa Fe's vice president for operations, that if he became president he merger partner if we had more than one gateway. The only one the santa he now reaches is Uii cago." Other markets Haverty wants to tap more heavily are Mexico and the chemical complexes of the Gulf Coast, where he sees great potential for traffic growth. The same goes for autombiles, domes tic and imports, he said.

Chemicals and automobiles rank Michael R. Haverty would return the war bonnet motif to service. On June 1, the 45-year-old Haverty was named president. A week later, he ordered that eight locomotives formerly assigned to Super Chief service be restored to their red and silver glory and that 100 new dicscls scheduled for delivery next year be so painted. The rest of the fleet will retain a modified blue and yellow war bonnet scheme applied after the carrier abandoned passenger service to Amtrak.

"We're going to refer to our freight trains as the Super Fleet, and we're going to use the war bonnet scheme in a $500,000 advertising campaign in national magazines and the business press," Haverty said. About 40 percent of the Santa Fe's business is intcrmodal, representing more than $950 million of the Santa Fe railway's $2.3 billion in revenue last year. "Intcrmodal is the fastest-growing segment of our business," Haverty said. "We think there is still a lot of intcrmodal traffic from the Pacific Rim countries that we can carry to the Midwest or pass offo East- For advertising WJaHlC ratoe onH As as $659.00 raiesana New In the box information on Contact Question of Tina Ca Covington at 470.433a (312)222-4080 imtfmi third, running "neck to neck, in terms of Santa Fc business, with revenues last year of about $300 million each, Haverty said. Grain shipments come in second, with revenues of $450 million.

7 .6 Two of the former Super Chief locomotives that had been relegated to freight service have been touring the system to the applause of many of the railroad's 19,600 employees. lid Since assuming his new duties, Haverty has visited 30 cities to meet with employees and shippers. BUSINESS TO BUSINESS Some of the railroaders have told him, "I've never met a president oi the banta re before,.