Page Two

How Can You Manage Your Finances? 3-12

Almost 3 out of 4 credit-card holders in the United States run up charges that they pay in installments at exorbitant interest rates. How steep are the finance charges? How can you stay out of debt?

Massacre at Port Arthur—Why Did It Happen? 16

A gunman killed more people in seconds than had been murdered during the preceding four years in all of Tasmania. What is behind such violence?

Strengthened to Face Trials Ahead 19

Read the thrilling life story of Edward Michalec, who spent over 50 years as a missionary in Bolivia