El Paso Times from El Paso, Texas • 63

(SdlGuOOO3 Your Life Insurance Notify Firm About Wrong Age Recorded On Policy (As a public service. The Times has arranged with the El Paso Chapter, American Society of Chartered Life Underwriters, to answer your questions about life insurance. Just send them to Life Insurance Editor, The El Paso Times, P.O. Box 20, El Paso, Texas. Answers will be published every Sunday.

If you would like a personal reply, please enclose a stamped, self-addressed envelope.) In reading through one of my policies notice that my wife's date of birth, she is the beneficiary, is wrong by three years. Will this mistake cause any problems later on? We don't anticipate any problems but possibly a little confusion. You should notify the company so that the mistake can be corrected now. By SYD KRONISH AP Kewafeatra Many nations throughout the world will be issuing special commemorative "Europa" stamps to honor the European Convention of Postal and Tele-Communications Administrations (CEPT). The first of these to be noted is a set of two stamps from Eire.

The basic design, by Norwegian artist Arne Holm, symbolizes the close cooperation between the postal administrations withia A beneficiary's date of birth is usually recorded in the policy for two reasons. One is to help identify the beneficiary. The other is that if the death proceeds are to be paid under one of the life-income settlement options, the amount of income is dependent upon the age of the beneficiary. So, you see why we say that there could be some confusion. I have a retirement policy that will start paying me $100 a month for life beginning next December when I'll be 60 years old.

Instead of the monthly income I have the option of taking $17,020 in cash. Would I be further ahead to take the $17,020 and invest it or take the $100 a month? I don't need the income and I do like to make money. Although you don't need the income now, are you absolutely certain that you won't long pull, to be sound and profitable, keep in mind that you probably won't have the full $17,020 to invest. Your gain on this policy (the difference between what you paid and when it's cashed in will be taxed as ordinary income rather than as a capital gain. (If, instead, you take the $100 a month income, the tax will be spread over many years.) There is one investment that you might want to consider.

It's as safe and as sure as anything can be and it will considerably increase your total estate. If you are in good health, the insurance company will probably be willing to exchange your retirement policy for paid-up life insurance. The full cash value (and it will increase yearly) would always be available to you as would the monthly income, if you need it. In the event of death, it would pay about $24,000. Of course, you would have to pay the same tax on the exchange as you would if you merely cashed in your present policy, but there still would be an immediate increase to your estate of around $5,000.

or more. NEW FLASH Twin beacons gleam from the new 66A electronic flash unit, left, and from our columnist, center, as he executes a double take at Peter Gowland's guidebook, right, to speedlight shooting. By IRVING DESFOR AP Newsfeaturea Writer Something new in a "two-eyed" compact electronic flash was accompanied, almost in the same mail, by a guidebook explaining how, why, when and where to use speedlight. Was it coincidence or was it planned? It doesn't matter but it was good timing. The new electronic flash unit, introduced by Honeywell, is the Strobonar 66A.

It features dual CEPT. Depicted are four intertwined lines which form four squares in the center. Each of these squares contains one of the letters in "CEPT." The stamp includes the word "Europa." The 6 pence is magenta; the 1 shilling 3 pence is blue. Collectors in this country desiring first day covers may write to: Irish Cachet Covers. 947 E.

32nd Brooklyn 10, N.Y. The cost of a complete set on cover is $1. The 1964 edition of the Harris U.S.-B.N.A. Catalog is now available. It also contains a special "Americana" section, UN complete, and the valuable U.S.

Stamp Identifier. It is 160 pages with nearly 2,000 illustrations. Modestly priced at only 35 cents, collectors can obtain it directly by writing to: H. E. Harris and Catalog Department Boston 17, Mass.

Of definite interest to collectors are the listings for Confederate Sates, U.S. Possessions, Canada, New Foundland, British Columbia, New Brunswick, Nova Scotia and Prince Edward Island. Also included are postage dues, air mails, special delivery, revenues, envelopes and postal cards. Beglium has announced a new set of four stamps to commemorate the world cycling championship at Brussels. The denominations of the semi-postals are: 1 Franc plus 50 Centimes.

2 Francs plus 1 Franc, 3 Francs plus 1.50 Francs, and 6 Francs plus 3 Francs. Each of the four stamps depicts different cycling designs. A special pictorial commemorative cancellation featuring a cyclist was also issued. Mexico reports it has issued two new mint stamps, both with a value of 20 Centavos. stamp commemorates the 100th anniversary of the birth of Bel-isario Dominquez and the other honors the 400th anniversary of the founding of the city of Dur-ango.

San Marino has issued a new set of stamps entitled "Jousting and Tournaments." The designs feature the following: a knight on horseback at Arezzo; an encounter of French knights in the I4th Century; international crossbow contests; presenting weapons to an English knight of the 15th Century; a 16th Century tournament in Florence; ti at Ascoli Piecno; Jousting at Foligno; a race through the strets of Siena; a tournament at Malbaga in the 15th Century; two cavaliers with lances of the 13th Century. Sweden has announced it hat issued two new stamps in its series honoring Nobel Prize winners. The 25 ore will show head portraits of Christian Matthis T. Mommsen (1817-1903), German historian, and Sir Ronald Ross (1857-1932) British professor of medicine. The 50 ore depicts head portraits of three men: Pieter Zeeman (1865-1943) Hendrik Antoon Lorentz (1853-1928) and Hermann Emil Fischer (1852-1919).

shadow areas. 7. It is easier on the subjects, need it sometime in the future? with its short duration and no If you are certain, if you know you have guaranteed income that you can't outlive, you might be ahead to cash in and invest the full amount. Assuming you do invest something that proves, over the hats On By GEORGE KOLTANOWSKI International Chesa Master reflectors which work doubly hard to throw the light energy from the flashtube into the picture area. With batteries, it weighs only 16 ounces and will attach directly on any 35mm camera or bracket with a shoe mount.

Another practical feature is the unit's ability to operate from a variety of power sources in the penlight-size battery line or from AC household current. Batteries are the answer when you require mobility and don't want to be tied down to the 10-foot electric cord. There are three different types of batteries to choose from: in an emergency, four standard photoflash AA cells will deliver about 10 flashes; Permacad rechargeable batteries will deliver about 50 flashes and can be used again and again after recharging; 91 energizer cells will deliver about 70 flashes and are then discarded. The 66A's flash duration is about 1-2000 of a second, achieves a Kodachrome II guide number of 50 and the unit recycles in about nine seconds. The speedlight handbook is "Peter Gowland's Guide to "hot" lights.

He also emphasizes that an electronic flash should be measured not by its watt-second input but by its light output. This is best expressed, for most amateur phtographers, in a guide number for Kodachrome II film because the processing of Kodachrome is standardized nationally. To check the efficiency of any speedlight or to establish reliable guide numbers for your favorite film, it is best to make your own tests. 1. Place your subject exaclty 10 feet from the flash unit.

2. Take a series of exposures, one for each lens opening. In each shot, include a card which shows the lens opening. 3. Study the results and decide which picture is correctly exposed.

4. Multiply the correct f-stop by the distance 10 feet and this is the guide number for that film. (Best picture at f-4 then guide number would be 40.) CHESS QUOTE OF THE DAY "Common sense is instinct. Enough of it is genius. George Bernard Shaw BEFORE YOU iU SEE OUR PREFERRED RISK at this point.

(h) It is only now that White finds the time right to pursue his plan of attacking with the King's side pawns. (i) If 15 NxB; 16. BxPch wins the exchange at least, and after 15 NxBch; 16. RPxN, NxB; 17. PxRPch, and 18.

QxN, LIP! IVJL-HjKVCa 0 in order of the number of times played. 6. B-K2; 6. P-B4; 6. P-KN3; 6.

P-KR3; 6. B-QB4; 6. P-B3; 6. N4-K2; 6. N-N3; 6 BQ3; 6.

B-N5ch; 6. B-KN5, and last but not least, 6. B-K3, which also showed up a few moves later in some of the continuations given. (b) A mistake would be 6 N-N5 because of 7. -N5ch (7 B-Q2; 8.

QxN). (c) It is with this continuation that the preceding move fits best. The idea adopted is clear; White is going to castle Queen's side and, as in the Saemisch variation against the King's Indian, start the bayonet attack N. STANTON KK I )4H White has gained an important 1 vfMm m.mm mm pawn. (j) Black is in trouble and starts floundering.

He wants to play Q-N3, without having to worry about N-Q5 for White. (k) Threatens Q-KR3 with devastating effect. (1) Tries to correct his mis- SAUNDERS 'til' p3 ft L.J 111 mm Electronic Flash" (Amphoto Community Cake $1.95) in its up-dated second on the King's side or tiuidren (d) This move and castling take' and Wnrte' threat for the moment. can be interchanged here. If McAfee 101 Anion A LI 2-1691 (m) Bobby in bis element.

Threatens to win the Bishop on KN7. (n) If 18 PxN; 19. BxB, KxB; 20. Q-N3ch, B3; 21. Q-N5ch, K-K3; 22.

PxP mate. umrnmmtMHtiimmmiiitmifii Hiimtiiiitiiiitti miHtitiimiHiiHitHtiiiHtH tit imh mih inma MH''. IttmillMimilllMlinmHtMllllllMMUIMMMIIIIMIUIIIMI vim Decatur, DL (AP) Five babies who were born on the same day and whose mothers are friends, celebrated their joint first birthday together. Mrs. Marshall Conway, who had twins, and Mrs.

Donald Jensen were roomates at Decatur and Macon County Hospital when their babies were born. Mrs. Berwyn Shaw of Oreana, and Mrs. Charles Elam, also had children that same day. The birthday cake and trimmings were enjoyed by Glen and Dennis Conway, Kelli Jensen, Laura Shaw and Joe Elam.

SkiD Going PROBLEM By A. Goldstein, France BLACK: WHITE: White to play and mate in two moves (solution below). Here is the first game finished at the 1962 Chess Olympics at Varna, Bulgaria. WHITE: R. Fisher, U.S.A.

BLACK: Purevzhav, Mongolia SICILIAN DEFENSE, DRAGON VARIATION P-K4 P-QB4I 13. P4BM0H K-Bl 1. N-KB3 P-Q3 14. P-R5 N3-BS 3. P-Q4 PxPi 15.

PxNP RPxP(t) 4. NxP N-KB3i 16. B-R6 P-K3) 5 N-QB3 P-KN3I 17. P-B4(k) P-K4U) 5. B-K3(a) B-N2(b) 18.

N-BStui) BxN(n) 7. P-B3c) N-B3d)l 19. UxB NxP(o) Q-Q2 0-0! 30. KxN K5 p) 9. B-QB4() N-Q2 21.

BxB(q) KxB 10. 0-0-0 N-N31 22. NxU(f) 11. B-N3 N-R4f) Alfred Schuster HAS JUST THE RIGHT INSURANCE PROGRAM FOR YOU! "The Agency Of Service" edition, if you ve ever seen pretty girls on magazine covers in the past 12 years, you've undoubtedly seen some Gowland photographs. It's estimated that he's taken about 50,000 electronic flash pictures and has about 600 magazine covers to his credit.

Gowland lists these advantages for electronic flash: 1. It minimizes cost-per flash if used regularly for a long term. 2. It will freeze subject movement because of its extremely short duration. 3.

It eliminates camera movement at the same time. 4. You don't have to carry, change and dispose of flashbulbs. 5. It approximates the quality of daylight so that you can use daylight color film indoors or outdoors without filters.

0. It is a crisp, penetrating light which gives good detail in 7 P-QR3, there can follow: 8. Q-Q2, P-Q4; 9. P-QR4, PxP; 10. NxP.

0-0; 11. B-K2, QN-Q2; 12. 0-0, B-N2; 13. P-QB4, and White's game is preferable Boleslavsky Oufimtzev, Moscow, 1947). (e) For a long time it was held that 9.

0 0-0 was best here, but in the game Gel ler-Byrne, USSR USA match in 1955, Black played 9 B-K3 here with good success. Also, Black could continue with 9. P-Q4 with good possibilities. (0 On 11 P-QR4, White can sontinue with 12. P-QR4 and after 12 N-K4; 13.

Q-K4; 13. K2, B-Q2; 14. P-B4, N-N5; 15. B-Nl, B-R3; 16. PN3.

Then he can go on with PKR3 and attack on the King's side as in the Vasyoukov-Averbach game played in Moscow in 1955. (g) Does not care for N-B5 ruucTPP SKiPiirnRTH UJLUtC The wild rose is the official 0raj larara II a tf kwiMt ml I Ortnp Insurant- pltalfaattoa aaaaa, 1014 Disability Resign (a) floral mhlem of AlJvrta Can- 12- 3 B-Q2 El Paso Natl. Bank tide. 533-9891 ada. It is also the state flower (a) Here are some of the of North Dakota, Iowa, New other lines of ptay against the York and Georgia.

Dragon Variation that we have tMtWIMIItMIHIItllllMMtlllHaillltmilMlllllMHmitM Sunday, September IMS 17.