January Effect-phenomenon that stocks (especially small caps) historically tend to rise during the first week of a new year.

Junk Bond-this type of bond has the most risk but it should also have the highest expected yield. It has a low credit rating usually BB or less. A bond mutual fund that is titled "High Yield" will usually hold junk bonds.

Junk Mail-Everyone knows what junk mail is. This entry is meant to help you get rid of it. The Direct Marketing Association can help you get off of their lists so that you get less junk mail. To do this, send your name and address with your signature to:

Mail Preference Service
Direct Marketing Association
PO Box 9008
Farmingdale, NY 11735-9008

To also get off of phone lists, send the same information plus your phone number to:

Telephone Preference Service
Direct Marketing Association
PO Box 9014
Farmingdale, NY 11735-9014

These actions will get you off of the national lists used by DMA members. Unfortunately, this can not help with non-members that contact you. For more information check the DMA's website

Updated 1/4/01

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