Victoria Advocate from Victoria, Texas • 22

www.VktoriiAdvocate.com 68 Saturday January 27, 2001 The Victoria Advocate OJ Industrials 10.659 98 -69 54 Nasdsq 2.781.30 27.02 Money msrfcst avg 5 79 T-biH rats (3 MONTH) 5 050 Prims rats 9 00 WT1 otf futures $2957 $29.77 Natural gas futures $7556 $0,014 Unleaded gas futures $0.8855 $0 0065 NY spot gold $262 80 NY spot stiver $4.805 $0 020 BUSINESS Briefs Guide: Retirement planning requires investing for grqytfh Stocks end day mixed on earnings fears On the Money NEW YORK (AP) Did you ever wish you had the investing savvy of someone like Charles Schwab? In fact Schwab, chairman of the nation's largest discount brokerage, has been happy to share what he knows. The author of two books on investing, he's just come out with a third. But this time it's about putting your money to work for a special goal. Schwab's "You're Fifty Now What? Investing for the Second Half of Your life" is aimed at helping you prime the pump for retirement. It's the latest in a bevy of books aimed at the Baby Boom generation, generally defined as those born between 1946 and 1964.

cost of commuting to a job and mamtaining a workplace wardrobe, others expenses can increase: medical care, insurance, travel, the cost of hiring people to do tasks the retiree can't do himself. "I want to see my grandkids in different parts of the country," Schwab said. "I want to give them gifts. And what about medical costs? for one, would like to have some options there. I want to be able to afford to do things." He argues against the traditional formula of investing heavily in stocks and stock mutual The oldest Boomers are approaching retirement, and many aren't sure they're ready for that milestone, either psychologically or financially.

It should be comforting to Baby Boomers that like their parents and grandparents and great-grandparents, they'll get to -and through retirement. But Schwab and other writers argue that the current generation may need different financial strategies than their forebears. funds when you're young and moving toward more conservative holdings, such as bonds, as you age. "I strongly encourage you to invest at least some portion of your money -preferably a significant portion in stocks and stock mutual funds for as long as you live," he says in his book. "In other words, never stop investing for growth." Asked how he'd invest $100,000, he said he'd put 70 percent in a mutual "I strongly encourage you to Invest at least some portion of your money -preferably a significant portion In stocks and stock mutual funds for as long as you live." Charles Schwab, discount brokerage chairman ed, analysts said.

Many on Wall Street have already factored, in another interest rate cut from the Fed, and now investors need another catalyst to set off another round of buying. Specifically, investors are worried that the economy is slowing too much, and don't know how long that trend and lower corporate profits will last. Fed Chairman Alan Greenspan's comments Thursday that economic growth had practically come to a halt added to those concerns, although he made it clear that more rate cuts are likely and that he supports tax cuts. "I think people are very concerned that we not go into a recession," said Ronald Hill, investment strategist at Brown Brothers Harriman. He said Wall Street needs to see another rate cut in addition to one expected from the Fed next week before investors can feel more confident about the economy.

The anxiety has made the market more inclined to punish than to reward, especially when it comes to technology stocks, some of which remain relatively pricey. PMC-Sierra slid $21.88, or 23 percent, to $74 Friday after the semiconductor maker lowered its 2001 outlook and several investment firms cut their ratings on the stock. Still, technology eked out a small advance, primarily due to Microsoft, which gained $2.19. to reach $64, and Intel, up $1.38 at $35.88. Both stocks are also Dow components.

Declining issues outnumbered advancers by nearly 7 to 5 on the New York Stock Exchange. Consolidated volume came to 1.32 billion shares, compared with 1.51 billion Thursday. The Russell 2000 index was off 0.32 at 498.68, but still rose 10.59 or 2.2 percent for the week. NEW YORK (AP) Pessimism about the economy and corporate profits reasserted itself on Wall Street Friday, sending blue chip stocks lower and limiting technology stock gains. Even the expectation that the Federal Reserve will cut interest rates again next week failed to cheer investors, who remain in a holding pattern, unsure of what to do next.

"Investors are not going to put a lot into the market until they figure out where the economy is headed and how bad earnings will be for the first half of this year," said Jim Weiss, chief investment officer at State Street Research and Management. "It looks like interest rate cuts and maybe tax cuts are coming, but those things won't impact the economy immediately." The Dow Jones industrial average closed down 69.54 at 10,659.98, up 72.39 or 0.7 percent for the week. The Nasdaq composite index advanced a modest 27.02 to 2,781.30, a weekly gain of 10.92 or 0.4 percent. The broader Standard Poor's 500 index fell 2.56 to 1,354.95, but ended the week 12.41, or 0.9 percent, higher. Health care issues were stronger, led by Dow component Merck, which rose 38 cents to $82.25.

But the gain wasn't enough to offset losses in the Dow's manufacturing and industrial stocks, including Boeing, off $1.19 at $58.06, and DuPont, down $1.06 at $40.94. Honeywell fell 88 cents to $46.44 after missing quarterly earnings estimates by a penny. The company blamed the loss on expenses related to its pending merger with General Electric. Investors had become more upbeat over the past few weeks, but the market's weakness in recent days reflects uncertainty about where the economy is head Cleaning brands sold CINCINNATI Procter Gamble Co. will sell the Spic and Span and Cinch cleaning brands as part of an effort to focus on bigger brands.

The cleaning products except for Professional Line Spic and Span are going to The Spic and Span which was formed by the Shansby Group, a San Francisco-based private equity partnership. Terms were not disclosed. Spic and Span, an all-purpose cleaning product, was invented in the 1930s and acquired by in 1945. Cinch, a glass and hard-surface cleaning product, was marketed in 1991 as a line extension of Spic and Span. In July, Procter Gamble sold its oldest laundry detergent brand, Oxydol, which wat, introduced in 1927.

Judge reduces award INDIANAPOLIS A federal judge has ordered the Internet shopping service mySimon.com to stop using the name "Simon" but reduced a $26.8 million trademark-infringement verdict against the company to $50,000. U.S. District Judge David Hamilton upheld a jury's finding last August that mySimon.com violated the trademark of Simon Property Group, the nation's largest shopping mall company. Hamilton set aside all but $50,000 of the total verdict, saying that $5.3 million awarded to Simon Property for advertising to correct confusion among consumers was arbitrary and not supported by the evidence. The judge also set aside $10 million in punitive damages because state law sets a.

maximum of $50,000, and $11.5 million was tossed out because that amount was based on profits the Internet company has yet to generate. The case involved competition between an e-business and traditional retailing. AirTran begins flights "GULFPORT, Miss. AirTran Airways will begin making flights to Charlotte, N.C., and four other cities by mid-April. The flight additions are the result of negotiations between Casino Air Link, Beau Rivage and Grand Casinos, said Steve Schoen of Casino Air Link, a Clearwater, tour company that works with AirTran.

The cities will be added weekly to AirTran's schedule, beginning in March. AirTran has six daily flights between Gulfport-Biloxi Regional Airport and Fort Lauderdale, Tampa, Houston, Dallas and Atlanta. Soybean prices dip CHICAGO Corn futures plunged to a four-month low Friday on the Chicago Board of Trade on increased pessimism about the prospects for U.S. exports. Other grains and soybeans also fell.

Corn prices initially sank in sympathy with a decline in wheat. The slide then accelerated on uncertainty about how the mad cow concerns that emerged Thursday in Texas would affect animal feed demand. Favorable weather in South America also contributed to the nearly 2 percent drop in corn prices. Wheat for March delivery fell 2 cents to a bushel; March corn fell 334 cents to $2.0912 a bushel; March oats fell IV cent to $1.0314 a bushel; March soybeans fell 534 cents to a bushel. Compiled from Advocate Wire Reports "People are living longer, they're healthier and they're more active," Schwab said in a recent interview.

"In addition, they're probably going to get less help from the government. That means they have to rely more on themselves." Schwab who is 63 and says he isn't thinking yet of retiring sees his book as a guidepost for retirement savings and spending. His biggest concerns are that Americans are underestimating how much money they will need in retirement and that they may not be investing aggressively enough to ensure that their savings last as long as they do. The rule of thumb has been that you need 70 percent to 80 percent of preretirement fund linked to the Schwab 1000 stock index or Standard Poor's 500 index, 20 percent in an international indexed stock fund, 5 percent in a bond fund and 5 percent in a money market fund. And it's preferable to invest in a tax-deferred account such as a 401 (k) retirement plan.

As Schwab sees it, "the far greater risk is investing too conservatively and outliving your money." Perhaps the scariest part of his book is his bottom line. By his calculations, if you want to withdraw $1,000 each month from your savings during retirement, you should have at least $230,000 invested. If you want $2,000, you'll need to think about doubling that nest egg. At that withdrawal rate, he says, your principal will outlast your needs. What if you don't have that kind of money? "Get started and work with what you have," Schwab says.

"This is a place where income to live on after you retire. "I really think it should be higher much higher," Schwab says. He argues that while retirees see some day-to-day expenses decline, such as the every little bit counts." Market Highlights 12,000 11,000 DOW JONES Close Chg. 30 Indus 10659 98 -49 54 20Transp 2956.19 15Utils 375 65 65 Stocks 3227.21 10,000 Jan. 26, 2001 Dow Jones industrials 10,659.98 Pet.

change from previous High Low 10,742.94 10,625.01 Record high: 11,722.98 Jan. 14, 2000 NEW YORK STOCK EXCHANGE 9,000 Dividends Comp 655.51 Indus 803.10 Transp 466.33 Utility 439.16 Finance 641.95 2.17 AMERICAN STOCK EXCHANGE AMEXIndei 921.56 t.14 0 .10 a 23 0 .045 0 .315 0 1.2075 0 1.2075 0 1.2075 0 .18 OCTOBER NOVEMBER DECEMBER JANUARY NASDAQ NATIONAL MARKET MARKET DIARV MARKET DIARY MARKET DIARY Volume Volume 2,227,223.800 Volume 63,952.000 Advanced 1383 Advanced 1875 Advanced 319 Declined 1463 Declined 1891 Declined 301 Unchantjed 478 Unclianood 1171 Unchanged 190 Total issues 3324 Total issues 4937 Total raaues 810 NewHigtit 140 91 NetvHighs .22 New Lows 9 New Lows 24 New Lows 4 MOST-ACTIVE STOCKS MOST-ACTIVE STOCKS MOST-ACTIVE STOCKS Stock VoMOO) Last Chg. Slock VoHOO) Last Cho, Slock VoHOO) Last Chg. GenElecs 267.669 44.63 -131 Cisco 1.475.008 38.38 NasdlOOTs 454.857 65.55 105 Lucent 222.292 1806 06 EncTelt 908.441 11.25 SPDfl 70.633 135 88 Comings 217.406 55.00 -US Wets 461.118 35.81 1.38 Nabors 31.954 62.51 1.11 AOLTW 116.362 54 59 PHCSras 461.555 7400 GreyWorl 25.395 5.94 ,31 NorttlNw" 181.021 37.50 Microstl 458.691 64.00 219 Cetsionn 19.513 2.50 Nokia s- 144.932 37.25 38 Oracle 454.448 30.38 DJiADiam 15.266 106.63 Finer 143.507 44.31 JDS Unit 432.568 59.63 444 SemiHTrn 14.841 56 65 25 Compaq 142.740 22.50 10 SunHicros 409.496 31.19 FAusPr 14479 430 Teilnsts 125.394 41.50 WorldCom 409,333 21.31 AirTran 11,078 856 Crtigrps 123.659 55.19 Oualcom 285.885 81.00 7.06 DevonE 9,536 58.44 PERCENTAGE GAINERS PERCENTAGE GAINERS PERCENTAGE GAINERS Slock Lest Chg. Chg.

Slock Last Chg. Chg Slock' Last Chg. Chg. Cent 53.50 M1 19.72 NoMyTun 4.00 1.38 OriyHar 2.38 63 35.71 Stent 172S t2 61 19.46 Minium 2.44 44,43 TwWHIth 2.36 50 .26 67 GM4 18.94 281 V.AS PeetsCTn 13.06 3.69 39.34 Marten a 650 1.25 23.81 FarrtK 55.00 8.00 17.02 ArtTech 34.50 9.50 38.00 TmsLs 5.00 .75 17.65 RougeMs 2.63 1667 Tarinlab 2.97 .71 35.69 AMC 506 .75 17.39 OreStl 244 .31 14.73 Symbom 2.19 .56 34.65 TabPrd 2.75 38 15 79 PilgPrA 6.25 1.00 13.79 Packetr 17.50 4.50 34.62 StnerwnR 2.31 .31 15.65 PikjPrB 10.31 1.25 13.79 Go2Phrmn 3.50 .88 33.33 Atlantis 3.44 .44 14 60 NatlStl 2.13 .25 13.33 Heartprt 2.72 .66 31.80 Heart 200 25 14.29 RentWay 568 .69 13.24 Irvine 2.69 .63 30.30 StonltvnRA 7.25 .88 13.73 PERCENTAGE LOSERS PERCENTAGE LOSERS PERCENTAGE LOSERS Slock Last Chg. VChg.

Stock Last Chg. SChg. Stock Last Chg. Dycoms 22.36 -9 00 Pozenn 6 63 DiaSyss .7.25 CrosTplcId 69.25 OTGSItn 13.06 MSMCI01 3.06 Arguss 9.69 Setrtek 26.25 -12 25 Scheie 3.00 -11 11 WDigitl 4.13 Morten 16.50 -2826 MSCSC001 5.00 CvrnPec 1.56 PatmHHm 15.19 Xcelera 9.63 -1046 Hastect 20 63 -306 -12 93 PHCSras 74.00 WillhrO 3 63 -938 AIM 59.88 AVTCp 5.50 iShKorn 14.19 -U1 BenchFJ 25.50 WJComn 15.00 -4 25 OrkeansH 3.63 -31 -795 McOrmrJ 1761 -175 TVIAmcn 2J6 aTmtnetn 32.50 -2 50 -714 CatalLt 2.63 -25 -8 70 DujrnOust 31.56 WiretessT 2.69 1,600 Composite Indus! Financl Transport Telecom 2781.30 1631.67 2589.83 1175.48 547.29 27.02 9.21 1.72 11.15 1,500 STANDARD POOR'S 0 0625 875 1,400 Jan. 26, 2001 Standard Poor's 500 2.56 1,354.95 Pet.

change from previous High Low 1,357.51 1,342.75 Record high: 1,527.46 March 24, 2000 .025 .12 .09 .075 .025 .11 475 1,300 3-2 3-1 3-10 3-1 5-15 8-15 11-15 3- 16 2-16 2-28 2-16 2-20 4--20 2-21 6-1 2-21 2- 22 3- 16 2-14 3- 1 1-29 1- 29 2- 15 3- 16 4- 1 2-23 2-15 2-23 3-9 2-26 2-23 3-1 2-26 2-26 2-22 2-19 2-23 2- 20 3- 15 3-9 2- 20 3-8 3- 26 2-28 2-13 3-1 2-16 2-19 2-16 2-7 2-10 2-13 5-14 1- lt 11-14 2- 26 2-2 2-14 2-5 2-6 4- 9 2-9 5- 1 2-7 2- 8 3- 2 2-7 2-12 1-25 1- 25 2- 5 3- 6 3-15 2-9 1- 31 2- 2 2-9 2-9 2-9 2-15 2-7 2-9 2-7 2-6 2-9 2-6 2-15 2-16 2-6 2- 23 3- 15 2-9 2-5 2-1 2-2 2-5 Dime Bancorp Inc Donnelley! RflllSons Dover Downs Entergy Corp EipressSctaAutoEic ExpressSctsAutoExc EipressSctsAutoExc FNB Corp FVNBCorp First Fed Bkshrs First Kansas Finl First Niagara Finl FstOaliBrokBcshA GA Financial Inc HCA HarieysvilleSvg lnocnonceCrrrhBr IntJ Shtphotding LakeheadPipeLnun MGIC Invest Corp Managers Bond Fd Mgrs Shorli Inter MidlandCapHldgsCorp Minerals Technol Miss Valley Bncsttt Mutual Risk Mgmt NJEcoDvllncSd Northeast Bncp Oiin Corporation Patriot Bank Corp PennFed Finl Srvci Points Fnd Corp Potters Fine) Corp RCUStratGloGovFnd RegisCorp Rock Ttnn Company Rome Bancorp Inc Sanderson Farms Shell Canada Ltd Snap-on Inc Southern Finl Bncp Standard Register Suncor Energy Inc Troy Financial Corp Vomado Realty Trst Wachovia Corp Wstamenca Bancorp Woodhead Indus! g- payable Canadian sav- Cab 1 Wireless 2435 2-2 3-8 i- appronmate amount per ADS rccK Italic Csl Ajr! i 2-9 2J3 -2 tori spin ancare Hearth Pins i 1 or 5 reverse split subject to approval in tarty March. PA Commerce Bncp 5pc 2-2 2-16 tWSASEO Bumham Corporation 0 .51 2-IS 3-1 Fasten Co .09 2-23 3-9 FstlndianaCp .16 3-5 3-tS GATXCorp 0 31 3-9 3-31 Midland Co 06 3-12 4-16 SJNB Financial Corp 0 .20 2-6 3-5 SeecosstFinlSvcs 0 .08 2-2 2-16 RIchrriondCrrtyFinl 0 ,18 2-6 2-26 tvn AmoacFinlGrpn 08 2-12 3-7 EtptessSctsAutoEi 1.3148 2-14 2-IS SmurtttStoneA .4375 2-1 2-15 CORRECTION CDyNattCp .185 2-7 2-20 Correcting increased amount 1 Hnh Core Property .76 2-5 2-20 i- correcting record and pay dates REGULAR AGL Resources 0 .27 2-16 3-1 Allen Organ 0 .14 2-16 3-2 Aleianoer I Bakwn 0 225 2-1 5 3-1 AptarGroupInc 0 05 2-7 3-1 Arctic Cat Inc 0 .06 2-16 3-2 Arrow Fmar 0 .21 3-1 3-15 eanoorpSouth Inc 0 .14 3-15 4-2 Berkiht Hills Bcp .10 2-5 2-23 Cambrei Corp .03 2-9 2-23 Carpenter Tecfmol 0 .33 2-6 3-1 CaitlelAMUCo 0 .195 2-2 2-16 CleoCorporatmn 0 .425 1-5 2-IS Community Finl VA. 0 .08 2-7 2-21 Community Finl Grp 0 .17 2-9 2-23 CooirnunityTrBcp 0 .20 3-15 4-t CouuniPpt.es 0 .34 2-9 2-22 OsanFoods 0 225 2-23 3-15 Ouanond Offshore 0 .125 2-1 3-1 1,200 0 .0625 0 20 0 .0925 .04 S4P100 709.06 SIP 500 1354.95 SIP MidCap 519.01 41 SIP Indus 1587.06 StPUtils 320 00 SSPSmallCap 225.35 S4P Financl 164.26 69 OTHER INDEXES Value Line Anth 120943 Russell 2000 499.44 t.44 Value line Geometric 414.12 WilstiireSOOO 12527.35 AMERICAS Fri. Thurt. ASIAPACIFIC Fri.

TlHiri 1,100 OCTOBER NOVEMBER DECEMBER JANUARY Money matters a a 0 a 0 0 0. 0 0 a a Fri. Thura. EUROPE IMeiicanPeso) Curr Prev Curt. Prav.

rfa 1471 14.890 Tsmia 123.60 '124 00 naecoA 47.50 46.70 Televise 24.51 23.95 BimboA .13.52 13.50 TelmeiL 25.79 2502 CemeiB 15 20 15.20 WalmaiC 20 80 2090 GCarsoAl 27.09 2660 WaimeiV 22.29 21 50 KimbarA 24.50 24 30 MasecaB2 226 220 Foreign currency rWYMKAP)-Foreran tprctianp Fgn. currency In dollars Dollar In Fgn. rarrancy Fri. Thura. funds.

Fri. Thun Abbreviations: a-CBS-all: b-Bat-20; dv-dautacrwr Aktutn: 30-Flnancial Timet; too-Financial Tlmea: icp-lndic dt Prec'oa Contlialonea; cc-CAC 40; ao-all Ordinaries; nd-Nikkei Dow Jones; em-Swiss Mar. Index; t-TSE 300; n-a-not available: m-Mib Telematico: -holiday Agriculture prices Fgn. currency OoJarai dollars Fgn, currency Fri. Thun Fri.

Thura. Australia .5436 .5450 1.8385) 14349 Britain (Pound) 1.4611 1.4620 .6841 .6640 Canada (Dollar) 6645 .6635 1.5050 1.5071 China (Yuan) 1206 .1206 1.2786 1.2786 Franc (Franc) 1409 .1408 7.0956 7.1018 Germany (Mark) 4727 .4723 2.1157 2.1175 Greece (Drachma) 002710 .002703 36900 369.98 Hong Kong (Dollar) 1282 .1282 7.7993 7.7993 Ireland (Punt) 1.1725 1.1694 .8529 4551 Israel .2419 .2410 4.1340 4.1490 Commodities StockQuoteWmW WV(Ure) Japan (Van) i-Mexlco(Pasw) Portugal a-ftussla Saudi Arab Singapore So. Korea (Won) Spain (Peseta) Swttzartnd Taiwan (Dollar) 000477 .000477 006529 .006564 ..103242 .103338 ..004606 .004594 ...0353 .0352 ....5719 .5740 ..000781 .000781 ..005551 .005535 ...6056 .6054 ....0307 .0307 2094.51 117.25 9.6660 217.10 28.3600 3.7504 1.7465 1280.00 180.14 1.6512 3258 2096.32 116.77 9.6770 217.61 28.4000 3.7504 1.7421 1260.00 160.66 1.6519 3256 High Plains (in If jfrain Free 24-hour AP stock marirt quotas. NYSE, Amex, Nasdaq, mutual funds, gcrvcrnmcnt bonds updated on a 1 5-mimftt delayed bans oa all trading days. Gram auoles High Plans 8 Gull 3yTne Associated Press Texas High Plana cash gram markets Fndey dosed ksjor on all grains and soybeans tor the second day.

seybeane 5-6 cants lower, and com mostly 4 cants losrar. Pricee pad or brd to me termer lob elevator SI ot 4 gram sorghum quoted per tajndred-ssvght: whaet corn and soybeans per bushel. Area no ot the Caraoar Rwer Oram sorghum: 8U6-3J8 mostly 3.26-329 Com S2.0S2.11 "itengie area from -tavwe tc Sarvor to c3rwe Mi sorghum S3.35-3.55 mostly 3.35-3.47 Wheat $2 71-2 torMent: 50-315 mostly 380-385 Don: 212-2 14 Area scud ot a kne trom Plarnview to Muleshoe Sj)oi Comiiiuriilies Today Pres. Day Year Ago Aluminum cents per fj LME 76.1 75.1 77.9 ArMimony Arrwrican par fe. 0.90-1.05 Corjper.CatlwfeliiHpWe MOO (9.00 MOO Gold, troy Harvjy(Harrnan 263 55 264.90 266 75 Silver, troy oz.

rtsrtrlyAHarman 4630 4 625 5.335 Lead k. 29-31 29-21 Pal'Muit spot per troy 02. Merc. 1079.00 1075.00 Pig iron. f.oA.fdnr Buffalo gross ton 167.00 167.00 Platinum lreyoz.N.Y.corrlract) 605.00-622.00 607.00-63500 455-460 Platinum, spot par boy n.

Merc. 612.10 11100 453(0 Mrcuy TleyttaskN Y. 150 00 150 00 150.00 Scrap Steel, gross ton. composite 77.67 113.00 Tvt. Metah) Weed cortrposNe lb.

53.24-53 74 56 56-5706 Money rales NEW YORK (AP) Honey rates lot Friday aa rapcv1sdbyBvtiraiTefaralae44p.a Prime Rata: 9.00 Dttcourrl Rata: 5,50 Broker can loan rate: 7.75 Federal runde rnarkel rate: Dealera contmarclai paper: 30-1(0 days: 5.60-6.17 Comittarcial paper by Irnanca ijorrtpany: 30-270dayt: 5.65-6.01 Bankers acceptances dealer Indications: 30 days, 5 62 60 days 5.52 90 days, 5.40 120 days, 541 ISO days 5.20 110 days. 5.13 1, Call StockQuote Hotline at (361). 582-0224 2 Enter selection 1 150 3. Enter converted ticker symbol, using chart below. If do not know ticker symbol, contact your broker 30 days, 425 days.

474 1(0 days. CerfrticasssoluptjeabyoWer: 30 days, 5.62 60 lays. 5 57 90 days. 5 50 120 days, 5.43 IN days, 633 Eurodollar rates: Ovamtght 1.00-1.1)1 1 month, 556-506 3 rnrjnthe, 5.44661 Imorrme, 5.25-6 Jl 1 year, 5.19-5 J1 London MirH Offtnd RMi: 3 nonths, Sf lrwnrhs.541 Treasury BiH auction raeultt: tversoe fliscoont rear 3-month as ot Jan 22:5.090 s-monthaeotJan 22 4 920 52-eokaa 01 Nov 265.71 Traaaury BiH annuallaad rata on smkly average basis, yield adjusted lor constant maturity l-yeer, est Jen, 22: 4.15 Trees Blllrnarkal rate, 1-year: Trees. Noternsrkat rata, 10-year as ot 4pm :5.2( F4rml30yeerrrvWcorimitnvrrts: 30 days, 7.16 0oays.7J2 -Fad Home Loan 1 lib District Coat ot Fundi: As Dec.

29:6607 etoney market fund: eierrKI Lynch Ready Assets: 30 day average yield: 5.79 4 Enter asterisk () after ticker symbol Gold By The Assocated Press Selected world gold pricee, Friday. Mono, Kong late: Cloud tor hoUdev London morning Using: i264 j0 01 20. London late: I2t3.60ofl 11 .10. Pant atter noon tiling: $261 .76 oBtl .31. Zurich lata afternoon: 263 10 oil 11.05.

NY Enoetnerd: oil II J5. NY Engenard tabncaM: $277.16 oil II 42. NY Merc, gold spot montti Fri: ofl 11 .70. NY HSBC Bank USA 4 p.m. Fri: 1262.90 oil 11.90.

Cash Petroleum NEW YORK (AP) Petroleum cast, prices Thoraday as compered srtti Wednesday prices. Ittllnsd Products Train. Wei Fuel ol fe. 2 Wife to gl lob 6491 J23I GaecniiiiVrirnlIVlSfthbrtigotlob 92K J140 4411 (353 SoudlArMigMAaielrMrMmt 2346 23.41 lt Sea 61 porta too 21.94 WMTemlretTTiMtrvMslob 2171 31.66 LUSlMlparlibllrjb 29.59 31.11 SJaaU Ito Stope del West Coaat 2522 24.11 larroralte.harirylW.lriarrrintb la 729 Silver KWVOFtXfAP) Hendy(litrrrw silver Frtdey 14 .130. up tO.OOS: Fabricated 555 up (0 006 The morning bullion price tor silver In London 14 7(5 up 10.0075.

London lale aHvar 14.790. up 10.010. Engethard 54(10. otl $0 010: Fabricated KSU, on to on. NY Hare silver spot month Friday 14 (OS, up (0020 Gram sorghum: Wheat: S2.64-2.80 Seybeara: Com Elevators re "was Srxlh Plans ware reoortng ofers and tms tor No 2 gram sorghum: S3 par eel fnarranM) rto.2iraaocom "eiasGwi'enwnos No.

1 MRW wheat: S3.5t-3.60 par bu No 2 gram sorghum: 14 37-1 par ot No 2 yeWou com bids etaufficient to quote Fort Worth (irain FORT WORTH, Taiaa IAP) Fort Worth grain report Friday: Eiport amoot: 1342-352. Soybeans 19-4 20. Eiport irato: S4 33-1 43 Com: 12 36-2 46 Oats: 11 54-114 Domestic mno: S4 33-4 43 Amarillo Livestock AHAPAUO. Teias IAP) Teua Parmanota And Western Oklahoma toedtat. ComVmed 21600 Week ago: 1.300 rear ago: 31 400.

Wk to Date: 71.100. West ago: 79.IO0. Teat ego 84100 Trade harry active in est Panhandle area early Friday but alow amce noon. Stauptrtar steers and herters 2.00 lower than lest weak bulk trade, rsedlots report good inquiry. Seres reported on 17.200 staugMer Men and 11.400 hotlert: 71.900 cewfinwad for the week to date which iKhrdes 43 100 heed ot lormiitassd cattle to be shipped Oiks waofc.

Note: prices based on net weighta FOB (he wedlot atser a 4 percent srmnk. Steers Select and Choice 2-1 1150-1100 Iks 71 00 lew 71.50 Select taw Choice 2-3 II 50-1300 Ibe 77 00-77 50 Hewers: Selecl and Croco 2-3 10-0-1200 rba 71 00 tew 71 50 Seioct lew Choice 2-3 1000 Ibe 77 00. F33 K52 P71 U82 Z12 G41 L53 Q11 V83 01 H42 M61 R72 W91 p02 A21 B22 23 D31 E32 N62 r03 92 93 S73 T81 43 51 063 Treasury bills NEW YORK (AP) U.S. Treasury Bills Interest Kates CWCAGOiAP) USCA Mayor potato markets FOB thtjpmg ports US 1 Thursday. 9 canons par net Idaho Norkotshe 70 count 7 00-7 100 count 6 00: per cwt Wisconsin reorkMansTOxwitluv-lOO: 100 count 7 00- par cwt Cottrado Nortotaba 70 enutsl 6-50- 7 100 count 7 00-750.

8-M 10 Blrnbeg Nan Size A per cwt: Idaho Norkotehs I 00-1 50: per cwt Colorado Nerkotahs 5 00- 5 SO: per cart Wisconsin Norko-Wlf-7M Round reds US site A par cwt 100 lacks WWconem 700-1 MnrkssMaNOaaMltounrJ Rea7 S- reasaeta U- SO lb cartons Wttttlngton and Oregon Norkxahe 70 count 1.50-4 00 100 count MM Med VI (kstkaga non stas A Waarwigkon and OtsgeaNoMujtshelOl Round Mi US 1 ant A IN a) sack par cwt: sienna 5 06-550 Out Jul 05 01.... Jul 1201.... Jul 1101.... Jul 21 01.... Aug 02 01...

Aug 30 01... Nov 900 550 too 503 466 BW Ask ..467 465.. ..461 466.. ..467 465.. -465 463 -464 462..

..471 4.76.. 4JJ7 5. After you hear the report, press the asterisk (i for daily high, low, volume and PE ratio (excludes mutuals, bonds) 6 Press 00 to return to general selections, or press pound () and hang up. International Business Machines Ticker symbol: IBM Enter: 43 22 61 ..5.02 ..504 ..503 ..5.01 ..4.77 Wae4tcgo Due Bid Ask (4 Dm aid Ask Yd. (.00 Feb 01 01 S.24 522 Ml Apr 11 01 605 5.03 1.11 .5.50 Feb 01 01 5.14 5.12 5 20 Apr 26 01 1.03 5.01 S.14 SJ7S Feb 1501 601 4.N 507 slay 03 01 1.00 4.96 1.12 Feb 22 01 ........5.01 504 611 May 1001 4.96 494 1.06 5.10.

MarOIOI 5.07 5.05 514 May1701 4 94 4 92 1.07 4.91 Her 01 01 504 502 511 May 24 01 4J4 .4.62 SOt Mar1501 503 .1.01 5.11 May 31 01 4.H 106 Mar 22 01 5.03 501 512 Jun0701 1J1 4M 506 4.79 Mar 21 01 4.M 466 Jun141 4M 504 AprOSOl 5.04 502 614 JU101 461 4JJ7 1.0) 4 99 Aprl2M 5.04 102 614 Jot 21 91 446 466 Ml taFunde close T-tVlle: T-eTanruelUsvj. oonstsnt mlufNyi 1-vaar lor 4(5 4(1.