Roanoke Times

& World-News

Business: SUNDAY, May 21, 1995

• HMOS MEAN JOBS
• WORKERS GET INCENTIVES TO FORGO MEDICAL CLAIMS
• SIGNING UP FOR A 401(K) IS EASY; THEN YOU HAVE TO START WORKING
• SPREADSHEETS ARE ONLY AS GOOD AS THE QUESTIONS YOU ASK OF THEM
• CITIES, ARGUABLY, OVERLOOK THEIR ECONOMIC ADVANTAGES
• NAMES & CHANGES
• PREVENTING POLLUTION PAYS