European Stars and Stripes (Newspaper) - April 17, 1991, Darmstadt, Hesse                                Wednesday april 17, 1991 the stars and stripes. A Pago 17 Money matters the persian Gulf War had a big effect on International business agreements in the first Quarter of the year As the number of deals dropped dramatically. The value of Cross Border deals worldwide in the three months ending March 31 declined by 59 percent to $14.6 billion. That compared with $35.9 billion in the first Quarter of 1990, according to the study conducted by Komg peat Marwick. A. A a Quot a a a. A the Gulf crisis and the ensuing conflict put International business on hold said Herbert Adler part nor in peat Marwick a International mergers and acquisitions depart a mint. To Quot a 7 a a conversion rates London up a tuesdays closing rates for the . Dollar to other currencies. Figures Are expressed in dollars to the British Pound other local currencies in dollars Gold. Was quoted at $361.00 an ounce Silver at a $4.0450.�. A 1 a a v a a a april 15. A april 16 British Pound. 1.7905. A 1-7b85 German Mark. .1-6700 1f675 French franc / 6,6495. A. 5.6495 dutch Guilder. 1.8826 1.8720 a belgian franc 34.3350, a 34.2100 a a a italian lira 1.243.35. 1.23360. Swiss Frarick. 1.4155 141.55. Greek drachma,181 95 180.45 turkish lira.,.3,781.80. 3,781.00 saudi arabian Riyal 3.7504 3.7504 a Spanish peseta .103.42102.6v. A portuguese escudo 45.52 a a a. 144 36 Canadian Dollar .,.�.,�,.1.1501 a. 1.1477 austrian schilling.11.812511.70.1 norwegian Krone .-6.5300 a -6.477 danish Krone i. .�?z.6.4375 6.3665 \ these Are unofficial rates As reported by wire service and banking sources and they Are listed to give some idea of daily currency fluctuations. V the Only official rate concerns the Sale of German Marks to . Personnel for personal use and this will be 1.62 wednesday based on tuesday a a noontime Price fixing. New York Exchange new York up the 15 most Active stocks in new York Stock Exchange composite trading on monday. Stock ,. Ism Cora Chase Manhattan a Philip Morris at amp to company Bristol Myersq a a a Amer express v a us Cora Laidlaw inc b. Waste mgt inc a a Pepsico inc gent electric a a Sunshine mining a Citicorp. Adv Micro docs Compaq computer sates 3,026.800 2.124,200 2.003.300. 1,918,400 1,771,100 .1,753,900 .1,745.000 1.655.500 1.423.600 a 1.411.400 1,410,200 1.407.400 1.291.600 1.270.500 1.253.500 list 1067/k 19 694k 354k 774k 27w 344k 12% 37vfc a 33 Vuk. .7341 m .16 13vfe 614k Nel chg off 14k up 14k up 14k up 4k. Oil 1 4k of tvs. Up 1 up a a. .up1/ up 4k up 4k a unch a up 4k off vhf off 14k american Exchange new York up a the 10 most Active stocks in american Stock Exchange composite trading monday. Stock a sales last net chg. Fruit of loom 504,200 16 a up Western digital 401,400. 44i. Off is ame Cust 2 so 282,400 74k up1/ Wang labs inc b264.500 344. Off a Kirby corp. 255,000 love 1 up a Bergen Brunswig. 245,600 314k off 4k Telesphere comma 236,100 14k. Off v4 Dia sonics inc a 227.000 413-16up Vuk. Bat industries 182.500 12 9-16 up1/ Echo Bay mines. 180.100 84k Oil Vuk Dow Jones new York up monday 30 industrials 20 transport. 15 utilities 65 stocks 1 Dow Jones dosing Range o averages High 2957 in 1135 93 21988 105266 a Low 2896.29 1116.18 217.30 1033.47 dote 2933.17 1123 24 218.01 1043.72 Chang up 12.3 0t 5 64 up 0.63 a up 1.44 by Randy Mcclain 1 financial writer Amy. Dacyczyn grew accustomed to being the butt of jokes during the Yuppie decade of the 1980s, but lately this Navy wife has gained the upper hand Over her critics. A a Dacyczyn of Leeds Maine has gained National notoriety Over the past month in the United states for her innovative Cost cutting strategies around the House. Dacyczyn pronounced decision chronicles her frugal nature in a monthly newsletter called a the Tightwad  the newsletter has skyrocketed in circulation since mid March going from 1,200 to 2,700 subscribers after Dacyczyn and her husband chief Petty officer Jim Dacyczyn of Brunswick naval air station in Brunswick Maine were featured in Parade Magazine and on the Phil Donahue Quot show quo Quot Quot i a a a a a. A Amy Dacyczyn figures her new found popularity is a sign of the times. A obviously the . Economy is in a recession and there a a National trend developing in which the baby Boomers Are growing tired of consumption a she a said. A Quot a a a a a a a a. A Dacyczyn 35, and her husband 41, have become legendary in their Community for stretching a Dollar. Jim who plans to retire in october after 22 years in the Navy bakes much of the family a bread and tends a vegetable Garden to help put greens and Beans on the table for himself his wife and their four children. Pm a a a when shopping for the rest of the family a food the Dacyczyn take advantage of savings at the Navy commissary and travel to a half dozen or More other stores once a month looking for the Best deals. The family buys in bulk most of the time and spends no More than $140 a month on food. The Dacyczyn almost never eat out buy nothing except second hand clothes and Send their children to school with Box lunches put together for an average of 45 cents per serving. Dacyczyn said that average Price Isnit magic. Its achieved by doing without. A the children Quot done to get those gooey snacks or pudding packs or All those ridiculous Little things a she said. The Dacyczyn steer Clear of buying one another fancy gifts for Christmas and other special occasions. Many of the Chil Dreria a toys for example Are bought at neighbors Yard sales and refurbished if necessary. A. A a. Dacyczyn added that she and her husband Arentt a too miserly with the children though. A a in be Learned that i. Can to successfully do a birthday without buying the kids at least one new things she said. A the kids need a a wow on their birthday or  the Dacyczyn also happily Cut Corners on their own entertainment a we done to go out to eat a she said. A a we la have another couple Over for dinner instead and socialize. I personally find it much More  a. And cheaper. A some friends of ours went out and spent $150 for a Spaghetti dinner for four a Dacyczyn said. �?�1 bought All the ingredients and made it for $5. Freer spending critics of the Dacic Zens a Way of life have sniped at the family for a not having any fun and depriving the children a Dacyczyn said. A one lady even told us her Boston terrier eats better than we  but the opposition forces have grown quieter lately since the family bought a pinching pennies Here Are several ways to stretch a Dollar As suggested by Amy Dacyczyn of Leeds. Maine publisher of Quot the Tightwad  q set goals whether its a dream vacation or a dream House figure out what you want Torii life and save accordingly sacrificing today does no to Hurt As much if there s a payoff Down the Road. A keep records write Down All your expenses for three months placing them into one of two categories either essential or non essential. Analyse the a Sulls and make cutbacks where the most fat exists. A shop around the Dacyczyn family toured More than 170 houses before. Buying a farmhouse in Rural Maine for $125,000. They routinely shop at a halt dozen or More grocery stores and wholesale food outlets to get the Best Price on food. And that a in addition to shopping at the Navy commissary where husband and chief Petty officer  Dacyczyn has shopping privileges. A buy in bulk the family buys Economy size sacks of flour at wholesale stores fruit juice by the Case at the commissary and eggs by the dozen from focal Farmers. It All adds up to substantial savings. The family also grows Many of its own vegetables and freezes or cans them for consumption later. A make smart purchases the Dacyczyn weigh every Purchase carefully but they re not above spending big Bucks on something worthwhile. Getting a new Freezer to store fresh vegetables and a new personal computer to help produce Quot the Tightwad Gazette Quot were two recent examples of major purchases they think will payoff in the Long run a cooperate with neighbors car Pool to save on gasoline Swap baby sitting chores with your friends to save a few Bucks lend and borrow tools to facilitate do it yourself maintenance around the  keep it simple the Dacyczyn Pride themselves on being smart savers. But they do it the old fashioned Way by keeping investments simple. They think the Stock Market is too risky and too hard to master. Instead they suggest a steady plan of investing in risk free vehicles like cd at the local Bank a. Spacious Maine farmhouse last year for $125,000 with All the Money they saved during the 1980s Dacyczyn said she and her husband made a $38,000 Down payment which helped lower their monthly mortgage payments to a manageable level. V. Quot a a Quot living the Good life on less does no to require starvation tactics Dacyczyn said adding that her four children Ages 2 to 7 Are Normal Happy and healthy. The single most common error in Bud acting is when people spend All they earn she said a it really does no to matter How much Money you make even in the lowest income group you can find lots of places to save.�?�. A. Part of the trick is knowing what purchases to avoid she said even when the children Are begging their parents for something. A we recently went to a Dinosaur museum and spent $6 to get in a Dacyczyn recalled. A but we passed up All the plus tic dinosaurs on Sale when we came out. We did no to think there was value there. It was just something that would have ended up in the Bottom of the toy Box a a it a been an interesting thing to be a military family and to Reco Zine that someone else with exactly the same benefits Isnit As Well off Dacyczyn said. A you recognize there is a tremendous difference in lifestyles. There Are lots of military families complaining about How Tough it is to make ends meet and How they need a second Job. But we be saved a tremendous about of  Dacyczyn said everyone is capable of saving Money and leading a full life if they employ the twin ingredients of being resourceful and creative. A the most wasteful thing we did lately a.  .-.�. Is amps Susan hams was to take the kids to Mcdonald a and spend $20,&Quot she said. A we could have gone to a grocery store instead fought healthier food  and had a  or consider this creative children a tarty devised by Jim and Amy Dacyczyn or the seventh birthday of their son Alec. A. A a a a. Instead of buying prepackaged party favors the Dacyczyn used a flatbed trailer a Pitchfork handle and bedsheets stapled to scraps of lumber to create a pirate ship on their front Lawn party guests followed an intricate map to a buried treasure Chest filled with 300 chocolate coins. The soured of laughter sent a Clear message that the Dacyczyn children have caring and thoughtful parents. Amy Dacyczyn said just about everyone is capable of Low Cost creativity although for some people the ability to use their hands and hearts has Long been dormant. A a a we grow up throwing Money at pro lems to solve them but when we do that we miss out on the Joy of learning to do things resource fully a she said. Dacyczyn said the to month old a Tightwad Gazette Quot newsletter draws on her family a experiences and those of her readers to provide common sense tips on saving Money and spending it wisely. Recent issues have included tips on How to stage a budget wedding and the reuse of. Plastic food bags. In a Way Dacyczyn said her family is a throwback to an earlier simpler time. A a lot of our parents did this sort of stuff a she said. A now More people Are becoming appreciative of it and we re putting it All Down on  for More information Send a stamped sett addressed envelope to Amy Dacyczyn. Dept. P. Rib. Box 3570, Leeds. Maine 04263. Tho newsletter costs $12 a month