European Stars and Stripes (Newspaper) - February 14, 1991, Darmstadt, Hesse                                Thursday february 14x.1991. A a a. A Quot the stars and stripes t b Page 17 Money matters if some of your income is in a foreign currency internal Revenue service officials still want to know act amp it but they want it converted to dollars before its reported. Use the following average Exchange rates for converting 1990 income to Bucks. In Germany $1 was Worth 1.61 Marks on average last year in Italy it was 1,198 lire in France 5.44 francs in the Netherlands 1.82 guilders in Spain 101.93 pesetas in England one Pound sold for an average of $1.82 and in Belgium a Dollar bought an average of 33.42 francs. Conversion rates London up wednesdays closing rates for the . Dollar to other currencies. Figures Are expressed in dollars to the British Pound other local currencies in dollars British Pound. German Mark. French franc. Dutch Guilder. Belgian franc. Italian lira Swiss franc. Greek drachma.,. Turkish lira. Saudi arabian Nyal. Spanish peseta.,.portuguese escudo. Canadian Dollar. Austrian Schilling. Norwegian Krone. Danish Krone. These Are unofficial rates As reported by wire service and banking sources and they Are listed to give some idea of daily currency fluctuations. The Only official rate concerns the Sale of German Marks to . Personnel for personal us Vand this will be 1.42 thursday based on wednesdays noontime Price fixing. New York Exchange new York up a the 15 most Active stocks in new York Stock Exchange composite trading on tuesday. 00 an ounce Silver at $3.69. Feb. 13 a feb. 12 19915 1.9945 1 451 1.4570 4 954 4.9645 1 6397 1.6418 29 96 a a 1,094 50 1.095.75 1 2433 1.2495 155 97 156.18 3 058 10 3079.30 3 7505. 3.7505. 9150 91.35 128 53. 128.35 1 1544 1.1530.10.2370 10.2480. 5 70 5.7035 5 6050. 5.6055 Stock Boeing co Philip Morris Citicorp Pepsico inc Westinghouse Al. Uniss corp Mcdonalds corp genl electric Wal Mart stores ism corp Chase Manhattan at amp to company fed Natl Mage Exxon corp Ford motor co sales 5.860.100 3.335.100 2.985.600 2,825.800 2.600.400 2.527.300 2,525,700 2,414,900 2.378.400 2.372.400 2.192.600 2.007.100 1,980,500 1.867.300 .1,771,300 last 48 it. 60 44i 15 it 30 it 29 it 3ft a a 31 it 66 it 35 it 132 it 14 it 33 it 46 it 53 amp 31 it net chg. Off 3 it off 1 Toff it. Off it up it a off it up 1 it unch off 1. Up it off it off it off it off 1 it off 1 it american Exchange new York up a the 10 most Active stocks in american Stock Exchange composite trading tuesday Stock sales last nit chg. Western digital 1,083,500 4ft off it Jan Bell mtg 882,100 8 it 0�1 Amdahl corp 624,900 15ft off it Salomon it 93aor 618.400 3 it Oil it Wanglass inc b 584,200 a 3ft off it Nabors Industry 484,300 6ft up it Hasbro inc. 459,500 24 it off it fruit of loom 424,200 11 up it do chemical it 365,200 4ft off it Americus get so 362,100 10 it unch Dow Jones new York up tuesday 30 Indus nals 20 transport 15 utilities 65 stocks Dow Jones closing Range of averages High 2923 02 1132 58 219 94 1045 16 Low 2848 27 1101.90 216 49 1019 62 a close 2874.75 1111.42 21718 1027.90 change Oil 27.48 Oil 15 70 0 10 44 Oil 9 95 economist Points put Pitfalls in shopping for insurance by Randy Mcclain financial writer Brenda Cude thinks too Many Consumers done to know what it takes to build a smart insurance plan for their families and they end up paying too much Money for too Little coverage. Cude a consumer economist with the University of Illinois in Urbana has seen All the mistakes before. Consumers often fail to shop around for life health and car insurance policies and that can Lead to problems Cude said in a Telephone interview. A a a a a a a a a a one common error she said is waiting too Long to look for a policy. Consumers who wait until they Are in desperate need of insurance before starting to shop for it often find that no firm is willing to do business with them. V a perfect example of this can be found by looking at the current life insurance Market where Many firms Are declining to write additional coverage for service Mem Bers on their Way to the persian Gulf. Cude said it May seem unfair but she understands Why insurance companies Are taking starch a stand. A companies just done to want to be sex posed to that risk a she said. A it s the same thing As if you were diagnosed with a serious illness and tried to Quot buy health  no company would want that business either she said. Too Many Consumers also make the mistake of settling for inadequate insurance Protection just because its cheap Cude said. A when major economic losses Are possible few people can afford to be without full Protection. The question then  be a How much insurance can i afford a but a How can i afford to buy the insurance 1 need a a she said. Here Are several tips from Cude on How to make sure your family has Ade Quatt Protection at a reasonable Price a Many insurance companies sell policies with cheap premiums that protect against Only certain types of illnesses or accidents. Obvious policies in this category Are cancer insurance and flight insurance. Cude thinks Consumers should avoid a these narrowly defined policies at All costs because they done to pay off in All circumstances. She compared cancer coverage with buying Auto insurance that pays off Only a if you re hit by a red  its smarter to buy a broader health insurance policy that costs a Little More but provides the coverage a family needs. Cutting insurance costs a look for Way Sjo get High Quality Protection for the least Money. A avoid narrowly defined policies including cancer policies and flight insurance. If your life health Andwar insurance Are Broad enough you wont need policies to cover a. Specific risks. _ done to buy insurance for risks that you can pay for yourself. Plan to cover Low Cost risks such As minor damage to your car through a savings fund. A take the largest deductible you can afford. A higher deductible Means a lower Premium and sometimes the difference is substantial. A compare policies before making a Choice. If you Donl compare before buying you could unknowingly pay More than is necessary for reasonable coverage. Source University of Illinois Urbanas amps a one Way to limit the Cost of insurance is to buy a policy with a relatively High deductible Cude said. This principle applies to Many types of cover in it of a including health insurance and Auto insurance. Mow High the deductible should he depends on a family a budget Cude said a but people should consciously think about what they can live  even military Consumers who generally rely on health care provided by the government can sometimes Benefit from buying supplemental health insurance for non military family members Cude said. A Consumers often have More choices than they realize a she said. A when it comes to life insurance a family has some Tough decisions to make a before deciding How much coverage is right for them. A one Rule of thumb states that a one income family with two kids needs insurance coverage equal to it live times annual  Cude said. For each additional child the Rule suggests adding another years income to coverage. Cude however thinks families should think even harder about Etc insurance needs. Families should determine How much Money will be needed  and Legal expenses associated with the death of the head of household and then decide How much Sloney survivors will need to get the family Back on its feet. Some important questions to ask in elude. A will survivors need or want to pay off a Home mortgage from insurance proceeds a a a a a Are insurance benefits needed to pay for the education of any children or a surviving spouse in Many cases families will also want insurance benefits to take care of general living expenses for up to one year alter the death of a family a chief breadwinner. Cude said., a surviving spouses income level is another Factor to consider she said. A two income family might not need As bigot an insurance Cushion As a Lamila m which Only one spouse was working. Another debate that rages in the insurance Industry is whether its Wiser to buy term Hie insurance or a whole life policy. Whole life has the advantage of serving As an investment or savings sch ii a. With whole life also known As variable life or Universal life customer pays a set monthly amount based on age Lor the life of the policy while the Cash value of the policy continues to grow. The policyholder while being insured builds a nest  though thinks Basic term Lile a Sii Rance makes More sense especially Lor Young service members premiums Lor term inst Ranee Are Genera i by less c ape n Sive than those associated with whole Lile Cude said. The Young consumer who is looking for life insurance should be asking How he or she can Purchase the most life insurance Protection at the lowest Cost Mand the answer to that is to buy term a Cude said. For More tips from Cude on taking care of insurance needs Send a stamped self addressed envelope to insurance costs 271 Bevier Hall 905 s. Goodwin Urbana Iii. 61801, sex is out War s in says toy game firm by Thomas Easton the Baltimore Sun new York a forget the fantasies of yesteryear. Game manufacturer Monarch Avalon has arrived in new York for the annual toy fair to find that Board games on sex e.g., the or Ruth game have Little a peal while games labelled Gulf strike and insolvency Are Given the Best shot for capturing the imagination of today a society. _ the two week fair traditionally serves As an outlet for the obsession of the moment and this year is no different. Monarch Avalon a War game clientele Are going bonkers for the company a revised Battle game set in the Middle East. A the customers Are always interested in the current conflict a said Fredrik Malmburg a swedish toy buyer who  stocking up on Gulf strike. Monarch Avalon originally produced Gulf strike in 1983 based on the Iran Iraq War and updated it in 1988 to reflect the cease fire. A but we always left open the possibility of a superpower conflict a said company president Jackson Dott. A third version was hurriedly put together last fall after Saddam Hussein a forces invaded Kuwait. The iraqi leaders face was slapped on the old game Box and the goal of the game was simplified. A when he a dead you win a said company chairman Eric Dott. A fall we had to do was change the packaging a said the company a new York sales representative Edward Goldberg. A we just happened to be in the right place at the right time when everything  a. Many other toy companies however Are holding off any attempt to. Take advantage of operation desert storm themes. It can take up to nine my myths to create the Dies for Many products and by the time the next Christmas shopping season begins january a fascination could have played out or become strikingly objectionable other firms believe. One Likely candidate to Benefit from the. Outbreak in hostilities Hasbro has not manufactured any desert camouflage uniforms or Middle East scenarios for . Joe. Instead Hasbro has chosen to cast the venerable Soldier this year As an a a exp Warrior with the Good g1 named a clean sweep a the bad Guy a Cess Pool and their primary military vehicle dubbed the a septic  Quot a elsewhere even the Best ideas sometimes flounder. For instance Monarch Avalon a 1985. Introduction of the or. Ruth game would seem to have  an enduring theme sex. The company a Stock Price skyrocketed in anticipation of a big payoff but then crashed when sales of the game Sank. A sex is out. No one cares anymore a Eric Dott said