European Stars and Stripes (Newspaper) - March 16, 2007, Darmstadt, Hesse Page 12 o s t a r s and s t r ipes Friday March 16 200 your Money bypassing the a wont give your car More Power dear Tom and Ray i am an 18yearold Guy so naturally i am trying to get As much performance out of my car As possible i recently developed the Bright idea of bypassing the air conditioners compressor with a Shorter Belt just for the Winter i do without a in the i thought it would give me a Little More Power now my old Man says that if the compressor int turning it might cause problems when i Hook it Back up again is this True or is he just afraid that More Power Means More speeding tickets Ryan Ray both Ryan if its an old compressor and you let it sit Idle All Winter you take several risks first the i Ai i seals and Click and Clack Tom and Ray Magliozzi gaskets can dry out and crack be cause they wont get lubricated Tom and worse the whole unit could simply seize up due to Lack of use so we dont advise this route Ray plus you wont increase your Power on every modern car the Engin management computer automatically shuts off the air conditioner when you Call for maximum Power from the engine if you were to step on the Gas to accelerate onto a Highway for exam ple the air conditioner would automatically be Cut off during that acceleration anyway so youre not gaining anything Tom and you do need the air conditioner in the Winter its not there just to Cool the Cabin it also re moves moisture from the Cabin air and its crucial in de fogging your Windshield so in addition to not gain ing any Power you wont be Able to see either Ray its not speeding tickets your father is worried about Ryan its Hospital Bills listen to the Man got a question about cars write to Click and Clack in care of this newspaper or email them by visiting the car talk web site at Boomers May inherit poverty some say generation overestimating what its got coming by Linell Smith the Baltimore Sun baby Boomers like to imagine their glowing prospects revolutionary solutions to aging second and third Ca Reers cruises limitless possibilities this generation of 78 million contains an abundance of Beautiful dreams and Wishful thinking among the fantasies is the great Boomer inheritance almost As be loved As tales of Boomers disposable in comes Are the theories about How they will spend the wealth they stand to in Herit trillion by some Media accounts to Feather their Post retire ment years tickets to Margar Taville anyone double lattes on the House this would be splendid of course if it were True especially for the 27 percent of the generation with household incomes of less than a year those baby Boomers More usually called the working poor Many of the Boomers parents Arent exactly wealthy either according to a 2006 study by the Harp most Boomers wont receive any inheritance at All if they do its unlikely to make a significant contribution to their retirement savings our concern is that the baby Boomers Are going to be increasingly at risk in retirement life gets a lot tougher and i think the notion that inheritance is going to bail them out is not Correct says economist Alicia Munnell head of the Center for retire ment research at Boston College wealth in the Economy is extremely skewed a fraction of the top 1 percent of the population has All the wealth be quests Are even More skewed and if there is an inheritance she says it May be divided among Many heirs Boomers Are a generation of Sib Lings what people expect the typical Boomer to inherit is she says that5s not a life changing number and because its the Middle number half will inherit less than that most wealth is held by the very very Rich even if you have wealth at 65 you will probably use up a lot of it Over the course of your retirement and your final estate will not be that big Boomers parents will spend much of their savings paying for medical conditions and illnesses that accompany their longer lives its important to realize that inherit ances can be negative says Joe Grib bin a professor at the Erickson school of aging studies were talking about the syndrome of children who end up supporting their parents if the debts for Nurs in Home care and other things Are significant those debts can wipe out All their parents savings and then More Felicia French an administrator with the Maryland department of aging and a baby Boomer has already seen plenty of evidence of Boomers sup porting parents some people Are depleting their Sav Ings to take care of loved ones she says i hear from people who Are Tak ing care of mom dad or their last remaining older relative if a family member moves in because of health is sues youre not going to be sitting on a Lump of Cash some people go to their Graves still caring for folks As the states manager for the nation Al family caregiver support program French says retirement savings evaporate with family crises a lot of different scenarios Are play ing out in Peoples lives after retire ment i know someone who taking care of a spouse who ill As Well As two or three grandchildren there Are folks who have been retired for five to 10 years and have had to go Back to work one is her own Mother Georgia French 72 who retired from Chrysler corp 10 years ago she is looking for work near her Home in Atlanta be cause her savings were not sufficient to support her especially after the corporation adjusted her pension Industrial psychologist Wendy Kauf Man owner of balancing lifes issues inc in Westchester county by says Many of her Boomer clients continue to receive Money from their parents to help buy Homes and recover from divorces then one Day the parents make the phone Call usually ignited by an ill Ness to say we cant do it anymore our health coverage int going to pay for it All we cant do it anymore Honey because we need the Money its shocking for Many Boomers to imagine a role reversal that there the ones to take care of their parents because Many times there still living off them she says tuesdays Market ii 52week net Ltd 52wk High Low name last chg 1279593 1068332 Dow Jones industrials 1207596 24266 197 311 521142 413472 Dow Jones transportation 472656 12867 265 50199 38097 Dow Jones utilities 47387 715 149 946362 770811 nose composite 892688 19405 213 232 217989 180065 amex Index 206499 4304 204 253142 201278 Nash a composite 235057 5172 215 268 146157 121929 137795 2865 204 285 87089 71053 81948 1336 160 83001 66858 Russell 2000 76912 1988 252 235 1432876 1224990 do Wilshire 5000 1396601 29113 204 204 1 nose Active name last Active pm worn name Yokoo last Active name last chg Geneles 376934 3409 35 forum 367660 764 18 Pfizer 330952 2494 44 cd sep 329530 3190 08 Motorola 325460 1824 25 goldmans 302843 19903 357 pm cup 293644 1299 10 i Tigre 290916 4875 161 Isiu Apan 283023 1454 31 279129 37 26 1559958 138j5 274 ishr2knya 926745 7639 201 spa Sci 442721 3480 107 spongy 294369 5655 77 165741 5723 Semi her 137521 3434 40 Oji Adiam 133747 12102 213 oils vat 114169 13760 200 up Mats 74850 3652 91 retail let 63345 9913 1567166 4237 84 Microsoft 722604 2672 72 Sun Micro 711460 615 16 Intel 644269 1912 36 Cisco 550482 2550 67 qua com 451374 4143 acc me 399383 397 743 Sirius 360416 329 08 Apple inc 306334 8840 147 Oracle 306238 1665 42 key defense stocks name div be last Ltd Valliant Armor computer general general Harris Allied l3 Lockheed North Rockwell Seq corp Texas text Ron United key Mutual funds name Nav Ltd chg ret Fidelity invest Fidelity invest Fidelity spartan Putnam funds a Erlna Amer Century inv Fidelity invest Fidelity invest Fidelity invest aim investments a const Frnk a aim investments a Charta Fidelity advisor Fidelity advisor t Putnam funds a Globe qty Fidelity advisor t Putnam funds a gig a Exchange rates military rates japanese yen March South korean won March euro costs March Dollar buys March British Pound March Conw Raj rates Bahrain British Canada China Denmark Egypt Hong Kong Hungary Israel Japan Kuwait Norway Philippines Poland 96 saudi Arabia Singapore South Korea Switzerland Thailand Turkey new military Exchange rates Are those available to customers at military Bank ing facilities in the country of issuance for Japan South Korea Germany the Netherlands and the United kingdom for no local currency Exchange rates in purchasing British pounds in Germa Check with your local military Bank ing facility commercial rates Are inter Bank rates provided for reference when buying currency All figures Are foreign currencies to one Dollar except for the British Pound which is represented in dollars Pound and the euro which is dollars euro precious metals new York merc close Gold Silver interest rates prime rate825 discount rate625 Federal funds Market rate 525 3month bill507 30year bond466 sources the associated press Bank of America agents and sensibility Money tip of the Day did rentals go postal by Marshall Loeb Market watch new York with new on line did rental services crop Ping up each Day it can be hard to know which service is right for you heres a breakdown of what the two most popular ser vices offer Netflix com probably the bes known ser vice for Netflix has been around since 1999 there Are More than 75000 titles to choose from and the Netflix web site is designed to give you custom recommendations based on what movies you like Cost the cheapest plan costs a month youre limited to two rentals of one did each month spend a month and you can have four dds out at a time with unlimited rentals there Are three plans in be tween As Well and no late fees delivery Speed one to two business Days shipping is free Why choose Netflix if you want to choose from a huge selection of movies and dont mind walking Back and Forth to the Mailbox for your flicks blockbuster com its not just your local video store anymore blockbuster has recently started offering a Mixan match service rent dds through its web site but return them to a local Branch for instant Exchange if you dont want to wait for the mail Cost plans Range from to a month and Are Simi Lar to the ones offered by net flix but there is no extra charge for exchanging a did at the store delivery Speed one to two business Days shipping is free Why choose blockbuster if you prefer getting dds in the mail but like the idea of being Able to Exchange a video in an in Stant opt for blockbuster just remember that youre still subject to the selection or Lack at the store popular titles May be checked out at your local Branch
