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The Wall Street Journal Sunday Now appearing on sptimes.com

July 23, 2000

Seeds of change
Some commercial fishermen whose livelihoods were turned upside down by a fishing net ban years ago have found success in clam farming. And Florida has become one of the nation's largest clam producers.

Consultant preaches what he practices
He's no Stephen Covey, but technology observer Robert Faw of Safety Harbor is getting his corporate brand and mantra, "World's Best Value," out there with a self-published book and Web site.

Regardless of profession, financial advice is the same
Q. I am a doctor in my early 40s. After paying back my student loans and eliminating our mortgage, I have saved only a small amount for retirement. Where do I go from here? After the costs of college, medical school and the "salary" of a residency, how does one make up lost economic time? Believe me, with the costs of overhead and insurance restrictions, doctors don't make as much as you think!

Hurricane watch: Batten down your financial hatches
1. Examine your insurance. Be on the lookout for holes in coverage. Make sure you have enough insurance to cover assets and credit obligations, and find out how much coverage you'll have if your house floods.

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