European Stars and Stripes (Newspaper) - February 16, 1991, Darmstadt, Hesse                                Saturday february 16,1991 the stars and stripes Page 17 Money matters it can pay to keep track of your expenses on a daily basis financial planners say. There a no better Way. To figure out exactly where the Money goes than to account for every Penny and write it Down in a family Ledger. The very process of putting expenses on paper can quickly Lead to greater savings because its Likely that a few areas Ripe for trimming will make themselves painfully apparent. Check your spending habits for two or three months before making permanent cuts though spending Pat terns can vary from month to month. Conversion rates London up fridays closing rates for the . Dollar to other currencies. Figures Are expressed in dollars to the British pop und other local currencies in dollars Gold was quoted $$365.25 an ounce Silver at j3.b4. A pm4<m44tm British Pound. Gernmmark.,.,., French dutch Guilder. Belgian franc. Italian lira,.-., Swiss franc. Greek drachma Turi Shiira. Saudi arabian rival Spanish peseta.,. Portuguese escudo. Canadian Dollar austrian Schilling norwegian Krone. Danish Krone feb 14 .1,9006 .1.4635 .4.9800. .1.6471 ,30,130 to ,101,50.1.2525 .156.80 .3,099.70 �,.3.7504 .91.65j29.12 .1,1526 0.30 ,734 .5.637 ulfllt44im4ih44lam4l 10.300 hmmmmk.kt4l�km�k 5.7345 feb. 15. A 1,9715 1,4755 5,0225 1.6532 30.355 1,107.40 a 1.2660 157.33 1,121,70 3.7504 91.63 129.33 1.1515 10.324 5.7415 5.646 these Are unofficial rates As reported by wire service and banking sources and they Are listed to give some idea of daily currency fluctuations. A a 7 a a a a / a a the Only official rate concerns the Sale of German Marks to . Personnel for personal use and this will be 1.44 through monday based on Friday s noontime Price fixing. Report shows big Oil profits Washington apr High crude Oil prices brought Windfall profits to the major Oil companies in the last three months of 1990, but the government says that May change abruptly if crude prices decline after the persian Gulf War. The Energy department has re7 ported that 18 major Oil companies earned More than $7 billion in the fourth Quarter of last year up 77 percent from a year earlier be cause of higher crude prices. Income from Oil production a both foreign and Domestic a jumped even More by about 150 percent but some of that increase was offset by declining profits in refining and chemical production activities the government said. Dow Jones new York up1 Dow Jones dosing Range of averages Friday. V.�?. A Glt Low clot change 2947.28. 2868.07 2934 65 up 57.42 30 industrials 20 transport 15 utilities 65 stocks 1129.56 216.66 1093.20 213.34 1119.18 up 21.33 215.43 up 0.69 1046.56 >020.06 1040.35 up 17.50 i Pitary families stay afloat obstacles of War by Randy Mcclain financial writer Stuttgart Germany Heide hurdle and her husband had grown accustomed to being a two income household until Saddam Hussein interfered with the family budget. A now with hurdler a husband sgt. Steve hurdle of the 51st signal in having joined thousands of  service members in the War against Iraq the Stuttgart based Mother of two i is rearranging her life. A i the biggest change is4ier recent decision to quit a night Jot at United parcel service the delivery company in order to Quot a spend More time with her two Young Chil Drin. 77/. A a 7> 7 the move Means she can save the Cost of hiring a nightly baby Sitter a role her husband filled before he was sent to saudi Arabia on dec. 8. F losing a salary of several Hundred Marks a month hurts but hurdle said her family is managing to stay afloat financial �ly7 a a. 7, a 77. .7 she a also managing to continue paying off several thousand dollars in credit card debt which was the main reason she took a the extra Fob. A Well be Able to survive each month a hurdle said. A we still technically need the extra Money but i guess we re Doying  hurdle s family like Frany others in Europe twas caught off guard by iraqis invasion of Kuwait and the massive . Demoment. In Many cases the spouses left behind Are grappling with financial problems caused at least in part by their loved ones Call to War. A 7 but family members themselves and military financial Counselor who hear their complaints said that for the most part military families Are making ends meet despite the new strains. A some people Felt very much alone at first but now the Rush for financial assistance has died out Quot said Richard Edmundson a financial Counselor with the army Community service in Wiesbaden Germany. Err Mundson and other Counselor said the greatest demand for help occurred shortly after . Troops began leaving Europe for the Middle East last year. Cases in which a Lone spouse was confused about How to pay rent Utility Hills or other foreign currency Bills were the most common problems. 7&Quot a loneliness and child care Are two other concerns a said Barbara shill the out reach coordinator at the Wiesbaden family support Center. A a there Are not enough child Cyric providers or facilities to go  a a financial Counselor in various communities said they have helped set up month. By budgets for dozens of spouses in cent weeks some of whom Dirk a Mcnown Howyn a amps Erie Waltien Anne Runnberg left manager of Niernberg family support Center and Counselor Karen Kuon arc ready to assist military spouses needing financial assistance.  a a ,7"7 7/ 7 a Anne Runnberg manager of the acs financial assistance program in Niernberg Germany said heir Agency and others Jike it in Europe Are trying to reach out to family members in need of help devise budgets for them and offer reassurance. A we re targeting the families Quot she said. 77.-\. a 7. A a a a we re sending Counselor to Coffee a latches. We re talking Ife to  in the past much of army Community services focus was directed at counselling service members who had bounced checks or run up debts in the Community. Now Counselor Are trying to do More. In the past the soldiers were a captive audience and relatively easy to reach said Niernberg Counselor Danna mall argue a now we re after the spouse who May be afraid to step Forward. If we can get them in a Friendly environment we Hope  handle their problems Quot she said. A a we re not saying the wives Are dummies a Runnberg said. A a we re not saying they were totally dependent. But we do hear a i done to pay the phone Bill my husband  or a he balanced the  a a 7 a-/.-7 Runnberg said financial Counselor in a. C la a ships Diat have been formed among Niernberg have helped negotiate payment Al of a u 11 a a a 1 Wissburg Korwes Naeini Ferniany said he did a land officer busing is in a i r fare joans from thanksgiving through mid dece Niber. A a there was a tremendous volume. For two. Weeks running we were doing do Loans every Day Quot lie said in Niernberg Runnberg said More than $80,000 in Loans was Given out in Novom her and december an increase of almost 50 pct Elit compared Voith emergency Loans made the Previousyear. The vast majority were to pay for children strips Home. 7 a 7 7. Roslyn Jones director of the. Ludwigs it Burg Abr Westheim family support Cen Fer said the number of clients seeking financial assistance to  has been manageable so far. But she a expecting to see more5, if the War drags Ona it will take some time for the people to come in a she said. A some problems Haven to set in yet. And some people have too much Pride to ask for help a a additionally hurdle said some financial problems never reach army immunity service Counselor. Friends Are pitching in to help other friends before a problem gets out of hand. A if anything Good has come out of this War it s the plans with the German Bunde Spost on. Overdue phone Bills and helped stave off at least one eviction of a military w Ife from her apartment in a Case in which almost 5. Hal Marks in Back rent was their family income was being spent be owed. Fore the military partner deployed. A the husband who was in saudi was a when one spouse has a lot of control supposed to pay it but there was conf that can Lead to problems Quot one Counselor i Sion a Runnberg said. A the. Landlord gave in Germany said. A this woman 30 Days to get out. We gave a once that spouse has gotten on a her a loan Tor the Hack rent and she has plane and gone to saudi Arabia that a the income to stay  when problems can come to a head. But Joe Uhrinec a staff member with the the real problems May have started Long army emergency Relief office in end the  behind Quot she said. Still other spouses say their financial lot has improved. Jacqueline Collins the manager of. Wiesbaden s la my member employment assistance program said she a been saving Money Simit her husband sgt. John Collins was sent to the Middle East five months ago. A when he was Here the Money went for a lot of Little  Collins said now she a banking several inti Rcd dollars a  saving on food gasoline and other expenses. A a in be got about $500 Pur month extra a she said