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Quad 2 Quad 3 top int Kcf us Gama his big Bond St prof Index to Mun by Mun ins Mun int Mun in Mun she Asp go Asp sri Asp Teh Welly Wellton win Der Vank ins Ink gov venture advisers inc Piny Ven ref by Walls f Well Seq is Trad Wood Struther win Deg m Neuwir Pine of mpg cd yes and charge May Olno merry month of May a loser in Stock Market by Chet Currier a business writer new York judging from the Way it has started May seems determined to live up to its reputation As a Tough month for the Stock on the first trading Day of the the Dow Jones average of 30 industrials took its sharpest drop of the falling Points to its lowest level since investment adviser Yale Hirsch has Long published statistical studies of what he Calls the May june disaster Over the last 20 he the Dow Jones Industrial average has fallen 16 times and risen just for an average decline of the last 20 junes have produced an average loss of per Newton Zinder at Hutton and customarily begins his May 1 Market commentary with the Wel come to the month when Flowers begin to Bloom and Stock prices often there is no ironclad of that Stock prices must follow a Given Pat Tern at any specific time of if there traders would immediately Bend it out of shape by acting to try to take advantage of says this poor record of the Market in May has become so Well known that it May have been partially responsible for the Sag in Stock prices at the end of along with their other he Sug some traders May have tried to beat an expected Rush of Selling in the new if everybody expects Stock prices to de Cline in Market watchers of the contrarian school then the mar Ket is very Likely to do just the we regard the current somber mood of As quite declares John Mendelson of Dean Witter Reynolds there was quite a bit to be somber about in the past As the Dow Jones Industrial average posted a net loss of to the new York Stock Exchange Compo site Index was Down at and the american Stock Exchange Market value Index dropped to big Board volume averaged Mil lion shares a up from million the week As they looked ahead uneasily to investors said goodbye to an april that was a bit of a loser in its own most of the leading Market indexes finished with Only modest declines for the among 89 Stock groups tracked by Standard and poors 58 recorded losses 31 s and p analysts pointed out that Money seemed to shift during the month from stocks of companies in the manufacturing and agricultural sectors of the which have been struggling for some toward service industries like Banks and insurance among the strongest performers during by s and is were property and casualty up per cent Banks outside new York up and multilane insurance Compa up near the Bottom of the pile were Agri cultural Down percent Down 8 and trucks and truck Down investors guide by William Doyle still shocked by what happened to me at the Bank several months during i wrote four checks on my Money Market Deposit account Myda in which i keep More than after i received my monthly i Learned for that my account had earned Only percent interest the Bank was paying on As a i lost almost when i i was shown a Rule that in when More than three checks Are written during any month on a interest is reduced to the now account i told the Bank manager i had written a total of Only 23 checks on my Myda for All of instead of the 36 he said that didst make any int the loss of interest an outrageous penalty for writing one additional Check in a single month outrageous is an Apt Munfor the Rule you quote is binding on All federally insured Banks and savings and loan although each Bank and s l can pay an interest it chooses on its they All must abide by the Federal rules cover ing those besides the three youre allowed to make three pre authorized transfers each and you can make unlimited numbers of withdrawals in person or by Federal regulations also say that you must keep at least in your before january that minimum Myda balance requirement was some Banks and still require on stay within these rules and youll get the higher interest your Bank pays on break or even Bend the rules any month and your account will pay Only percent for that if you write More than Buree checks a you should open a nigh interest paying super now account on which you can write As Many checks As you youll get somewhat lower interest than is available on a but a Good Deal More than a percent savings Federal regulators dropped the mini mum balance requirement on super now accounts from to As of january i but some Banks and Haven lowered Stock pulse United press International copyright 1985 May 3 nose composite most actives by volume Stock Oil atari child Houng Mobil Hutton g fed Taat int rth Gemot Phil Alpaa Pella i vol close earns 6234 s 33va 16va 46 15 be old close Cage earns be 69 2 nose composite largest net changes Stock Chubb Hutton g Cigna cumin Alt mgr Amest Upjohn nest in Dayton lbs 64 43 57 38 a 2 2 2 2 old amex composite most Stock div vol dome Petro i Strum sys wangle Texas air Bat Western dig Frontier i Green Bros tie comm Hasbro s actives by volume close earns be old 2716 17 14 3 11 13 6 30 amex composite largest net changes Stock Ich Teion Blora lab a lakes Blora lab b Braun eng Texas air Oakwood is Vbk esd close Cage earns be s 176 3 22 36 1 1 14 16 13 13 Iva old be Price to earnings ratio old dividend yield Del deficit St yield in Stock earnings latest 12 unaudited