European Stars and Stripes (Newspaper) - January 12, 1992, Darmstadt, Hesse                                Page 12 the stars and stripes sunday january 12,1992 thes european edition circulation 100,000 col Gene e. Townsend Usan commande publisher Bernard a. Zovistoski editor Bill Walker european editor Deborah Absher news Earlor Bob Wicker sports editor Bryan Nolan City editor George Manes special sections editor to write us unit 29480 Apoate 09211 or Postrach 11 14 37. 6100 Darmstadt 11, Germany news Tel fax 06155-601416 to Call us dial 06155-601 plus Extension or ets 348-8 plus Extension As follows news ext. 237, 255, 282, 226, 326. Sports ext. 225, 269, 263, 332, 321, 221. Features ext. 230,245, 341. Letters to editor ext. 208. Education Jim Jones ext. 226. Business ext. 326. News bureaus Bremerhaven Germany Ken Clauson building 103, Carl Schurz Cavern Apo a 09069 Telephone ets 3420659 or civilian 0471-00702. 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Nurnberg Callon 0911-712556, ets 460-7001. Stuttgart civilian 0711-546743, ets 420-7175, Italy Naples civilian 003961-5665306. Ets 625-5306 Vicenza chilian 0444-515358, ets 634-7545, Tel fax 0444-300-641 Spain Madrid ets 665-5807, civilian and Tel fax 003416561485. Turkey Istanbul civilian and Tel fax 0090-1 a 1724843 United kingdom Newbury chilian 0635-44768, Dan 266-3209. Circulation Tel fax 06155 601417 advertising display Germany 06155801247 or 601309. Classified Germany 06155801349. Advertising Tel fax 06155601412ashamed of Duke this letter is in response to the gentleman who wrote in his support for David Duke. How could anyone support Duke David Duke did no to just have a a past with the  he did no to just sit around and Pound some Beers with some Good old boys from the Kun flux klan on the weekends. Duke was a grand wizard of the Kkt. Dukes running for president is just going to create a lot of animosity in the United states. The Best thing for everyone would be if Duke did no to run at Alt. In a a White american and in a ashamed of David Duke and the votes he gets. I Hope people Wake up and realize what Duke is All about. A sgt. Edward Joseph Donovan Ramstein a Germany foreign Aid supported its Well nigh time for americans to Stop whining about . Foreign Aid. Too Many americans say a spend Money domestically a without realizing what that entails. For example take the $1 billion that Congress will supposedly pare from the budget and give As Aid to Russia it Al. What would that Money do for the unemployed with say 5 million Unzem Loyrea americans $1 billion would be 200 per person a not enough to solve problems for most. Foreign Aid is a tiny fraction of our budget to divert it for Domestic use would not Only ignore the great benefits it brings our country but would also put too Small a Bandage on too Large a problem �?2nd it. Robert . Munden Bundlach Germany a a a a a scruples Check please print this letter because i have something constructive to say and besides a lot of people need a Quot scruples Check this is a human Issue. You be featured letters by numerous people Ever since the great magic Johnson announced to the world that he had tested positive for his. All these people with their negative sneering statements think they re experts on the feelings conscience and the personal inner Workings of this Many a life. Probably More than half of them have never even had any experience in the medical Field. What in a Here to say is that i cannot and will not judge this Man on any level. In a not qualified if you get my Drift. Aids is a hideous and sneaky kind of disease. People have contracted this disease through Many different Means. But the general unspoken Rule of still ignorant people seems to be Quot if you get it through sexual Contact you deserved  How a person got it is not the Issue. The Issue is their welfare As human beings. It can happen to any of us whether we be slept with 50 people or one person. You can never really understand if you Haven to been at the receiving end of this Bombshell. You can Only be As feeling for this person As humanly possible and that a a lot. Let me pose a question to you. What if next month you were told that you had contracted his it came from a person who was Nice clean and charming whom you met two years ago. Do you then deserve to be sneered and scoffed at met without sympathy we All need to have better checks and balances in our lives. None of us is perfect so Stop being so pitifully self righteous. Any time a Public figure has something negative occur in his or her life All of a sudden All of us regular folks Start to sound As if we re from Bethlehem. A Barry Eugene Thomas Pinn Sens Germany editor s note letters from readers expressing their viewpoints Are published daily in this space. All letters must be signed. We Reserve the right to edit letters for clarity length and taste. Preference is Given to Shorter letters so that More can be published in a timely manner. Letters should be addressed to letters to the editor the stars and stripes unit 29480, Apo a 09211. Too letters requesting information or assistance Are answered in a feature called readers action line which appears on Page 16 every Day except thursday and sunday. Such Fetters should be addressed to readers action line the stars and stripes unit 29480, Apo a 09211.Early-out Money tips the recent article offering tips on the management of Early out pay programs did contain some very valuable advice about paying off debt. But there Are Many other factors to consider that the article did not address. I think most important is an explanation of what exactly Quot pm at 7 percent Means. Simply put that figure in staff sgt. Joe Smiths Case $43,870, is the amount of Money that he would need today invested at 7 percent to equal the amount of Money he would have in 18 years if he invested his voluntary separation incentive yearly payments of $4,076 at 7 percent. Staff sgt. Smith would have almost $150,000 saved after 18 years if he invested those annual payments. Ill admit that the concept May not be that simple but in financial terms the pm or present value amount is useful for comparison with the amount of the Lump sum special separation Benefit. If staff sgt. Smith did no to need the Money right now he could nearly double his Money Over the Long term by selecting the separation incentive. Another Factor that was not discussed in the article was the tax treatment of the Early out pay. Since the Early out pay will be taxed As Ordinary income in the year that it is received most service members will find themselves in the higher 28 percent tax bracket. So that handsome special separation Benefit has just been eroded by Over a Quarter not to mention that All other pay in that year is subject to the higher tax rate. The separation incentive will also be taxed but because its spread out Over time it will not be hit As hard. With Low Down payment a mortgages available to service members having a Large Down payment is not As important As having a guaranteed income to pay off the loan. The separation incentive could also allow them to qualify for a larger Home mortgage. Since the separation incentive will not be adjusted for inflation using it to pay for something that increases in value makes sense. The separation incentive will also allow the service member a Little Freedom in the selection of that next Job. If a position was available that had great promotion possibilities but the starting salary was a Little lower than the service member was accustomed to the separation incentive could be used to offset the difference. The separation Benefit is probably the Best option for service members with overwhelming debt but should not be used to finance the Purchase of High value a Nice to have items like fancy stereo systems and exotic travel. Letters to the editor the separation incentive offers the Best value for veterans looking for future growth with Good future employment prospects and Low debt. The Bottom line consider All of the factors not just that Large paycheck As you walk out the door. Talk to a qualified financial planner about your circumstances Ana make a decision for the future not just the present. A capt. Richard e. Graves Schweinfurt Germany child a self esteem fragile this is in reference to a recent writer who considered the German lawmakers consideration of Banning spanking  i must take exception with her logic. According to her prostitutes whose work is Legal in Germany a most Likely come from Homes where there was no  on the contrary it is Well documented that the practice of Corporal punishment As Well of Over permissive parenting has a detrimental effect on a child a self esteem. As a child reaches adulthood a Low sense of self Worth May Lead them into a life of prostitution crime mental illness or at Best an unfulfilled existence. A child who is raised with respect and consideration for his person and feelings will grow into an adult with the inner conviction to escape these Pitfalls. Spanking can certainty be an easy albeit temporary solution for the Parent. It takes no ingenuity and usually Means a Quick end to a child a undesirable behaviour. However it is the child who suffers beyond the immediate pain As the cause of his Misbehaviour is not addressed. Subsequently it is left to fester and resurface again and again. How Many of us have known children who seem immune to the physical pain of spanking or ignorant of the lesson it was inflicted to impart or children who behave Only when the adult punished is present disciplining our children is no easy task. But we As adults Are certainly Clever enough to teach our children without the use of physical violence. As parents we must take the time to learn about and put into practice alternative constructive forms of discipline a for our children a Sake. A Rebecca Collins Niernberg Germany pen pals i am 41 years old. Divorced and have a 12-year-old son. I enjoy eating out and dancing equally As Well As the Homelike. I would Tike to hear from anyone aged Between 35 and 45 in a is Mullar situation As myself. A Jane Ion 412 Underwood Lane Crewe Cheshire England cw1 3se i am a roman Catholic and i would like to have pen pals from All Over the world. A Victoria Delfin Purok Pepsi Zoen 5 Barta sub. Bacolod City neg. Oct. Philippines i am 16 years old and my hobbles Are singing danc ing travelling meeting people and writing letters. I would like to have pen pals Between the Ages on 6 and 20. A Rebecca Needham Mesa District Guy s him . St. Catherine Jamaica West indies i am 24 years old and my hobbies Are Reading magazines watching to going to Church and writing letters. A Hazel Cadungog South Pobi Adon la Uberta Negros Oriental Philippines i am a 21-year-old teacher and my hobbies Are Riding the Elcyle volleyball netball and Reading. I am a Christian a Veronica Sherman Goshen past Elizabeth Jamaica West indies i am 21 years old and i would like to have pen pais. A Emma Estomo Caba Ocan Mayuga Guindolan Bohol Philippines i am 20 years old and i am looking for pen pals from All Over the world. A Wilma Quinet Magnao Dumaguet City Negros Oriental Philippines 6200