European Stars and Stripes (Newspaper) - April 8, 1990, Darmstadt, Hesse                                Page 20 a a the stars and stripes sunday april 8,1990investor�?Ts guide by Bill Doyle q. I obtained a 181-Day certificate of Deposit and was told by the issuing Bank that it uses a 365-Day year in computing interest. Upon returning to my office i figured that on a 360-Day year basis my interest would be $6 More per month. Do some financial institutions use a 360-Day year for figuring interest while others use a 365-Day year a. Yes. The 360-Day year is More favourable to the person collecting interest and the 365-Dy year provides an advantage to the interest payer. The complicated reasons for this Are easily understood Only by actuaries and other mathematical experts. Since you figured this out on your own probably by using a computer or High Quality calculator you rate an a a a Grade in math. There is an easier Way available to everyone. When putting Money into a cd or other interest paying investment simply ask for the a annual percentage yield a apy for Short. That tells you the actual number of dollars and cents per Hundred dollars your Money will earn when left on Deposit for one year. C King features Market firm despite dip in Japan new York up a the Stock Market stood firm in the face of a 700-Point decline in the Tokyo Market last week managing a Small gain thanks to a surge in prices tuesday. The Dow Jones Industrial average fell 4.05 Friday to close at 2,717.12, posting a gain of 9.91 Points or about 0.4 percent on the week. Among the broader Market averages the new York Stock Exchange composite Index lost 0.07 Points to close the week at 186.78. Standard amp poor a 500-Stock Index edged up 0.14 to 340.08. Declines led advances 1,055-818 among the 2,161 issues traded last week. Big Board volume totalled 719,984,020 shares compared with 662,125,494 a week earlier and 794,718,430 a year ago. Analysts said the Market acquitted itself Well in what was a dismal week for the Tokyo Market. For the week Tokyo a Blue Chip nikkei Index tumbled 701.67 Points. On monday stocks closed slightly lower after the Blue chips almost erased an Early Sharp drop sparked by the second worst loss Ever on the Tokyo Market Tokyo stocks suffered their Serin a i est one Day decline monday cent of their value or 1,97838 spew i 0n that Japan s a on pm could be coming to an end. Analysts Blas the plunge on a falling japanese a is interest rates and a report s su26 companies had moved to sell stocks 36101-Declins� a amp a bailout Falls $68 billion Short Washington apr congressional auditors warned Friday that last years savings and loan bailout plan Falls a staggering $68 billion Short and called on the Bush administration to come up with a plan to raise the Money. The general accounting office in its highest yet estimate said it will Cost the overment $325 billion to close or sell ailed Thrift institutions. That a greater than the defense departments annual budget. The new projection is up a Sharp 26 percent from the $257 billion estimate the Gao offered Only five months ago. It based that total on admittedly optimistic assumptions about interest rates Rescue Mutual fund from Page 19 pc Ca p 10 44 10 93 .02 pc m p 9 75 10.21 .01 Pacific horizon Agar p 18 23 19.09 .15 Catap 13 63 14 27hybud 10 33 10 82 .05 Pacific inv Lowdus 9 89 9 89 Shortt 10 00 no toil 9 80 no. 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