European Stars and Stripes (Newspaper) - September 24, 1989, Darmstadt, Hesse Page 20 the stars and stripes Market up slightly after 2 weeks of declines new York up Stock prices edged slightly higher last week in acklus Ter trading. The Dow Jones Industrial average which gained 1.33 Friday closed at 2681.61. Up 7.03 for the week. The modest Rise followed two straight necks of declines. Broader Market averages also Rose on the week. The new York Stock Exchange composite Index added 1.14 to 192.73. Standard & poor s 500-Stock Index gained 1.99 to 347.05, advances led declines 945-898 among the 2.148 issues traded. Nose volume slowed to 694.584.000shares, compared with 827,748.430 a week earlier and 701.239.700 a year ago. On the trading floor. . Morgan was the most Active nose Issue climbing a to 41v4. At to followed rising 2 a to 43ft, and Amr owner of american investor s guide by Bill Doyle q. My sister and i Are widows and think we May have banking problems. I have my sister s name on my Bank accounts. She has my name on her accounts. We both Deal with the same Bank and each of us has a bit More than $100,000 there. We realize Federal Deposit insurance stops at $100,000. We would hate to have to change Banks. But if it is necessary one of us will Transfer to a different Bank. What do you advise a. Neither of you has to switch Banks but you should change you present banking arrangement. As you describe things you now have two joint account arrange ments. That Means every thing you both have at that Bank is insured for Only $100.000 even though your name appears first on your accounts and your sister s Moyie name appears first on her accounts. You can solve the problem by having some accounts in your name alone some in your sister s name alone and some in join names. Each of the three accounts will then be insured up to $100,000. Q. I am told that when certificates of Deposit Are in the names of a husband and wife they Are insured for up to $100,000 on each name. In other words my husband and i can have $200,000 of Federal Deposit insurance this Way. Is this Correct a. It is but Only if you set the accounts up properly. You can have $100,000 of Deposit insurance on cd and other accounts i your name your husband s name and joint names for a $300,000 total at the same Bank or savings and loan association. For that matter you can have Trust accounts one in your name in Trust for your husband the other in his name in Trust for you Rais ing the insurance total to $500,000. With children the account combinations and family Deposit insurance total can go on and on. However you cannot have More than $100,000 of Deposit insurance at the same Bank or so by using the same two names such As John Jones and Mary Jones on one account then Mary Jones and John Jones on another account. A joint account is counted As one depositor. Airlines was third surging 354 to 79w. Elsewhere in the takeover Arena. Tim Ewarner soared love to 138%, to Clorale jumped 5 to 20 a and Hilton hotels moved up 3% to 100 i. In the Blue Chip sector. 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