European Stars And Stripes (Newspaper) - November 30, 1986, Darmstadt, Hesse                                Page 20 the stars and stripes sunday. November 30,1986 a William Doyle. My wife who to 62, a an Mcfeal retire not account in Aeeti kale to Deposit Al a Bank in Lac Itati i which we  de to Norling we did not receive m4kt that tin cd  Bak Munat Iealer n a Clatl a Ewud Aiti late fat not Wert to j5 i Crit we wanted to Hare this  to a local Bank or for Mer Bank Tom u that could Bedone without any internal referee service Penally Tat hat Bank wild charge an Early withdrawal penalty of la toss of six months interest Don the Hank Hare the right Lod Batta. Yes. Banks and savings and loan associations can Levy Early withdrawal penalties Onali cd cashed before maturity. Transferring thai account from on Bank to an other would involve Cash Doyle ing the cd at your former Bank and obtaining a new cd at your present  a cd is in an Ira or a Keogh self employed retirement plan and the participant is 59 i or older Banks and a is Are not required to Lay on Hal Early withdraw Al charge. Your old Bank could have waived Hal penalty in your wife s  wife s mistake was not keep ing track of when the old cd a lured so that the Money could be transferred to your new Bank with out penalty at that Lime. Keep tabs on things in the future and move the account when the cur rent cd Al your old Bank reaches maturity. Q. Earlier this year i purchased �$20,000 new car. After the Trade in the balance we 14,000.1 was pre pared to write Check on my Bank Money Market Depouli account Ihen paying m percent interest the Salesman ran the transaction through com Pater and informed me i Woid Sare $1,000 by financing theban cd Over fear Yean Al 95 per Cetl i agreed to ounce the  Friend saw thl gobs the 0 Lang mole la Outing a at least$500 nun than if i had paid Cash. How do i stand on ibis transaction a. Your Friend is Correct any Lime the interest you pay on a Loanis higher than the interest you col Lect on Money you have available you lose on the Deal that s Basic. I be seen a number of calculations such As the one thai car Salesman came up with. They Are based on the fact that you can Lake an income lax deduction for interest paid but Don i fully Lake into account the act thai you pay income lax on interest earned. Even on that basis that off the Wall arithmetic can be shot full of holes. Wone yet because of the new Federal income lax Law you won the Able to take tax deductions for interest you. Pay on that car loan after 1986.by conning you into financing that wtft"1" req it have picked a Fiji extra fee. Those Tad jokes we be heard about some used car Salem esteem to apply to the Guy who sold Youlane Wauby Ana. Of Mem Toad about Mil Quittn but in an pram mum  buoyant pre Holiday trading lifts Dow to near record lev by Ellen  writer new York the Stock Market advanced in buoyant pre Holiday trading Tail week pushing the Dow Jones Indus trial average up to a near record level. The Dow advanced 20.67 Points to1914.23, not far from ill record High close of 1919.71, set Sepu 4. Gainers outnumbered Xera 1.045-851 among the 2,190 issues traded on the new York Stock Exchange. Following a week in which the Market staged Strong comeback from the initial battering it took on news of the Iva Boesky insider trading scandal in per formed impressively withstanding a least for the moment the crisis Over the arms shipments to Iran and the diversion of funds to Nicaragua contras. Investors favored Blue Chip issues but real and potential takeover targets also attracted some buyers though they hid been shunned Only a week earlier be cause of the insider trading scandal Sev eral companies became new targets of takeover bids including retailer . Monte Gordon research director a Dreyfus corp., said the government re port wednesday showing the . Mer Chandise Trade deficit shrank to $12.06 billion in october was belter than expected. But he said that Good news was offset by the report tuesday showing a 6percent drop in durable goods orders during october. But Eugene Peroni jr., technical analyst at Janney Montgomery Scoll in Philadelphia said that while the Market had suffered from a Lack of participate Stock Pulst by Kumhi Nett my Murm Ion Nyu co Poilu wort Artw Vorm Bitch div vat cot Simc be Yow de 13.930.000 2otsj44 to g.3 cd Nam 3,137.300 it Sis 19.0 3j Khot . Ca Boh 4,57 110 1.0 feb Iha 1,021.100 42 37  "  s.07bjoo ftps pm 011,400 42 St Zilss d5un by  Jok Hotton 0 920.100 Osine Law Onciu up Wuh " to demonstrated underlying strength and a positive tone. Peroni Laid the Dow would outperform the broader Market As Money manager feature Blue Chip bocks More prominently  on the trading floor Ohio Edison was the most Active nose listed Issue easing one eighth to 20% on volume of 15 million shares. The Stock had Bee sought by investors wanting to capture the 4s-cent quarterly dividend due a month to holders of record dec. 5. Chesebrough Pond followed rocket ing 20w to aft after american brands proposed buying the company for j66 Ashare. American brands also said it had arranged financing for the  was third rising three Eig Olhs 10 Carter Hawley Hale shot up 10w to 52ft. It received a $5sshare takeover offer from a partnership comprising the limited and Edward j.  jumped 6 to 49tt. Its Board voted to support a s50share offer from peo ple s jewellers and Swaro ski International of  fell 7ft to 48w. On monday Revlon withdrew its $4.12 billion tender offer for Gillette and Gittelle said it would buy Back 7 million  Cement advanced 7 a to 27%, Hanson industries the . Division of Britain s Hanson Trust pc said it will acquire Kaiser Cement corp. For j27.50a share in Cash or about $200 million. Goodyear tire Rose seven eighths lo43. Goodyear said monday that As part Slock i As Mach Bat Hoik Eweun a null Wnm 4j2 so by 4.19 100 70i.oa no 5.7  17.0 4.4  11.0 .0.7$  2.0 am Gail a qom Komi be and  4 t  no 066 10.0 3.00.49 39 n 0.09 1990 u 133 14.0 1.71 Iso 1.3  ex211500 19h 1mjdo.  10h1i9joo a h5.bco in im.7w to san Ami in swim jul a Cung Ota cargo Eun be Vul �.s7 220 o.s1,27 1j.o Ctet it let  cum Etlo Etna  to i7h231 my 7 �. Imo 07 i 1li3 20.0 2.7 4k 1.91 9io Vej 4 3jfl 1 .0 3-23 266 Iso 3  2. 2.17 21.9 a bin if in in �44 17.0 2.0 Juji 10 14 2.17 19.0 2j  031 34 0  34.0 0-49 39.0 11,74 100 d.3 of Iti previously Iii Dawd i -.-,program, it would reduce my Roll among other Blue chips of Tifai Bec tric climbed 4 to 83 us Thorp Murii advanced 3 to 74. Eat Tiram Wojt slipped 1 it to 67% As investor Cath de in on on the Stock s recent guns. Ism jumped 3% to 127. In Board authorized the Purchase from Lime to ume of s a Itjin shares. Ism in i announced n buyback of 10 of Flinoi thais which has been completed some other feh  gained Honeywell jumped 4 up 83 Digity research7 Cliffod 4vi to 77. The Dow Utility Index Rose 1.61 v 213.09. The Dow Traup rotation a vent dimmed 7.03 to 845.91.standard & poor s 500-Stock Iod a Rose 3.36 to 249.22 the new Vowk a eke change composite Index added 1.63 to big Board volume totalled 550,924140share, compared with 860,596,200 week arlier and 442,491,731 during the same week a year ago. Composite volume touled651,932,440 shares compared with 1,002,187,623 a week  ended mixed in moderate Trad Ine on the american Stock Exchange. The american Stock Exchange Index Rose 1.86 to 264.81. Loser outpaced gain Era 393-338 among the 909 issues traded. Volume was 36,270,115 shares compare with 56,029,805 a week earlier and 33,122,110 during the same week a year ago. Wakes led the Amra actives easing one eighth to 4. Wang laboratories Dasa b Fol Lowed rising i to 2 a. Bat. Industries was third easing one sixteen la to 6%. Avistar reports $50 million loss Chicago up Nevi Star interact tonal Corn has reported a fourth Quarter Nti loss of $50 million compared with $57million earned in the year ago period. Excluding a special $66 million Chan for a reduction in the carrying value of the agricultural equipment Manu Tucture so vestment in pans Paine. Preference Nock of Tenn Eoo inc., Fourur Quarter income would have been j16 minion. But despite the sub Tantia drop from last year Nav Islar said fourth Quarter in come was above recent estimate due to improved operating person Nancy and lower corporate expense. Avistar reported net income of j2 million for the fiscal ver ending oct. 31, compared with a netkittot1364 million in fiscfl985. 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