The Daily Dow FOOL GLOBAL WIRE by Robert Sheard (TMF Sheard) LEXINGTON, KY. (May 2, 1997) -- One of the biggest fears looming in the future for new parents is the prospect of rapidly growing tuition costs at America's colleges and universities. The number-crunchers who look at inflation rates and the fact that college costs are surpassing that rate have scared parents from coast to coast. One figure being thrown about is that a decent college education for a child born today could run to roughly $85,000. Look at a pricey private pile of bricks and the amount rises even more. And what's worse, as a parent, you've got less than 20 years to save the money. Can it be done? Remarkably, it's not nearly as daunting as you might think just by looking at the total amount being projected. Let's look at one possible scenario. Assume your child just celebrated her first birthday and is showing all the signs of college potential (composing partitas at the keyboard, solving differential equations from the crib, crafting a villanelle using those cool poetry magnets on your refrigerator). You're facing tuition in 17 years and, while you are saving for retirement, you don't have anything saved for your prodigy's tuition. What's it going to take? Believe it or not, if you can achieve annual returns of 15% (slightly better than an Index fund would have generated over the last decade or so), you can get there with a monthly savings of only $100. (Sure it may mean you don't finance a new car right away, but we're only talking about $100. Surely Princess is worth at least that much!) That's right; $100 a month at an annual rate of 15% gets you to $84,300 after 17 years, in time for Princess to enroll. Save a bit more, or achieve a better return, and she may even be able to get into an Ivy Covered Joint. The key, as always, is starting early, and saving regularly. It can be done, Fool, but you've got to put the plan into effect to get there painlessly. It's either that or pray for scholarships. Which one seems more reasonable? Have a Foolish weekend! (c) Copyright 1997, The Motley Fool. All rights reserved. This material is for personal use only. Republication and redissemination, including posting to news groups, is expressly prohibited without the prior written consent of The Motley Fool. ________________________________

The Current BTD 10 AT&T <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:T)") else Response.Write("(NYSE:T)") end if %> *Philip Morris <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:MO)") else Response.Write("(NYSE:MO)") end if %> *Intl. Paper <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:IP)") else Response.Write("(NYSE:IP)") end if %> *Exxon <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:XON)") else Response.Write("(NYSE:XON)") end if %> *General Motors <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:GM)") else Response.Write("(NYSE:GM)") end if %> Chevron <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:CHV)") else Response.Write("(NYSE:CHV)") end if %> Eastman Kodak <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:EK)") else Response.Write("(NYSE:EK)") end if %> Minnesota Mining <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:MMM)") else Response.Write("(NYSE:MMM)") end if %> J.P. Morgan <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:JPM)") else Response.Write("(NYSE:JPM)") end if %> DuPont <% if gsSubBrand = "aolsnapshot" then Response.Write("(NYSE:DD)") else Response.Write("(NYSE:DD)") end if %> NOTE: Foolish four stocks are preceded by an asterisk. Updated Daily

1997 Foolish Four Model Stock Change Last -------------------- T - 1/4 33.75 GM - 1/2 57.00 CHV +1 1/8 69.13 MMM + 1/2 87.63 Day Month Year FOOL-4 +0.05% 0.28% -4.22% DJIA +1.36% 0.89% 9.66% S&P 500 +1.81% 1.45% 9.75% NASDAQ +2.74% 3.54% 1.11% Rec'd # Security In At Now Change 1/2/97 153 Chevron 65.00 69.13 6.35% 1/2/97 120 3M 83.00 87.63 5.57% 1/2/97 179 Gen. Motor 55.75 57.00 2.24% 1/2/97 479 AT&T 41.75 33.75 -19.16% Rec'd # Security In At Value Change 1/2/97 153 Chevron 9945.00 10576.13 $631.13 1/2/97 120 3M 9960.00 10515.00 $555.00 1/2/97 179 Gen. Motor 9979.25 10203.00 $223.75 1/2/97 479 AT&T 19998.25 16166.25 -$3832.00 CASH $431.29 TOTAL $47891.67 CASH $431.29 TOTAL $47868.79

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