European Stars and Stripes (Newspaper) - March 19, 2007, Darmstadt, Hesse                                Monday March 19 2007 stars and stripes Page 11 your Money Pacoma names approved insurers by Vince Little stars and stripes despite a wide array of options worldwide Only six companies and their agents Are approved to sell life insurance and Mutual funds on defense department installations in Japan Okinawa and South Korea according to Pacific commands 2007 list of accredited organizations Pacoma must update and pub Lish the list of approved insurers annually according to the Dod instruction governing Commer Cial solicitation at overseas Mili tary bases where neither Federal nor state consumer Protection regulations apply companies and agents must meet annual Dod accreditation require ments to seek service members business in recent years sales practices of agents operating in the United states for a handful of insurance companies came under scrutiny after disclosures they were targeting Young service members some still in Basic training for costly life insurance policies they May not have needed in january 2005 americana Mica ble life insurance announced it would pay about million to More than 900 Georgia service members who were sold policies while in training a practice barred by both Dod and the state Marine maj Dave Griesmer a Pacoma spokesman said in a written statement that Dod a approved Ance the following  and age cute Are allowed to solicit m arid Mutual funds sales on Dod installations in Japan Okinawa South Korea and according to a list by Pacoma american Fidelity use insurance company Joel a Bollag Robert deck Geoffrey l Noel Larry Sirn Memari George e Moyer f v  James w Sage Norris Smith Lawrence w Wilson Ante of Reginald Warbritton Korea Kenneth f Blackjr Okina Ronald m Coyle Okina Edgard Debruycker David j Deharty Bruce s Goodman Jeffrey 6 Howard Mickey a Howard Ottna x Robert j Hughes Shin s in William j Kelly John h Lee Brian c Mcintee Okina John d Mcmenamy Robert l Morris Kendall Lewis Baker Japan h Humphrey Hinton Japan James l Johnston Japan George Stout Japan National Western life insurance company David Guidinger Japan trans Wotty Assurance company Reginald w Albritton Kenneth f Black Ronald m Cryle a bit Crumby 0apan Edgard Debruycker David j Deharty f Jeffrey Choward Japan Mickey Howard Japan William f to Himlee Japan Brian c Mcintee John d Mcmenamy Robert pm Orris Japan George 6 Moyer Japan Charles Olsen Japan Theodore f Pope Okina Dennis e Provencher Japan Norris Smith Japan Lawrence w Wilson Japan Kli Iii Mil if in f re Wutch run eng 5wwc David credits companies while the uni fied combatant commanders staff for that commands Region approves agents companies Are required to seek certification each year in the Pacific agents must apply annually to the Pacoma insurance accreditation program manager each installation commander sets specific procedures for that base and appoints a solicitation Market summary i indexes Ltd 52wk High Low chg chg chg 1279593 1068332 Dow Jones industrials 1211041 4927 41 283 521142 413472 Dow Jones transportation 478163 50199 38097 Dow Jones utilities 61 946362 770811 nose composite 898301 2224 25 171 217989 180065 amex Index 209832 253142 201278 Nash a composite 25 176 146157 121929 38 221 87089 71053 55 83001 66858 Russell 2000 62 113 1482876 1224990 do Wilshire 5000 1405438 5737 41 142 1 Nash a most Active or Active or Active m More name last last last chg cd sep 562181 3294 1024086 138j3 986680 4283 06 Pfizer 490237 715501 77 37 669895 624 Exxon by 462745 6986 278172 5639 621441 2733 Geneles 443665 3436 183319 3502 539223 1915 timeworn 422528 1948 116550 5592 486290 2599 pm cup 366772 1299 82194 13865 386168 1090 i Tigre 303313 4953 767 12105 324295 1670 02 Motorola 301719 1819 73400 3409 285894 618 03 279590 3698 mails 66500 3710 283879 324 06 forum 271855 755 43673 380 253221 4368 02 1 key defense stocks key Mutual funds name div be last chg ret  19 8689 50 Armor holdings 17 6325 invest Greco 6811 23 Fidelity invest Grolnic 3060 Boeing 140 32 9000 104 spartan  4946 computer sciences 26 5064 60 51 general dynamics 116 17 7755 funds a Erlna p 1966 is Amer Century inv Ultra 2673 general electric 112 17 3436 16 invest Amorso 1626 Halliburton 30 14 3206 08 invest Oversea 4431 Harris corp 44 20 4765 47 invest us i 1095 01 Allied signal 100 19 4694 04 investments a const p 2602 l3 communications 100 20 8384 Frnk a Sec Para 3911 Lockheed Martin 140 17 9780 25 investments a Char tap 1533 Northrop 148 17 7257 to 2152 Raythelon 96 20 5304 Rockwell into 116 18 6004 advisor 2962 12 Fidelity advisor 3538 Senna corp 26 11657 231 funds a Globe qty 1094 Texas instruments 16 11 3128 29 6084 text Ron inc 155 19 8995 advisor 2214 United technologies 106 17 6460 Abbett a Devota p 1716 1277 funds a gig vap 1223 03 manager to confirm that Compa Nies and agents Are accredited the Dod directive states to sell securities agents must apply directly to the installation com Mander and meet additional requirements for accreditation Dod re quires that life insurance Compa Nies maintain continuous Success Ful operation for at least five years and be listed in bests Exchange rates military rates japanese yen March South korean won March euro costs March Dollar buys March British Pound March commercial rates Bahrain British Canada China Denmark Egypt Hong Kong Hungary Israel Japan Kuwait Norway Philippines Poland 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 513127 interest rates prime rate825 discount rate625 Federal funds Market rate 525 3month bill502 30year bond470 sources the associated press Bank of America life health insurance reports with a rating or better the pre ceding year according to the instruction requirements for life insurance and securities agents can vary but both must provide certified cop ies of current licenses and notarized letters from the companies they represent there also obligated to Complete a form giving Contact and identification information and details of products they sell among other prohibitions Dod bars Doort door Sayies making appointments or solicit ing service members on duty and using rebates to facilitate transactions or eliminate Competition agents generally Are permitted to seek a Sale Only after making an appointment with an individual one agent was removed from this years list following a reported violation on a base in Japan Griesmer said the individual was not named but an investigation found he failed to comply with a stipulation requiring insurance agents to identify them selves to prospective buyers As an agent for a specific insurer when establishing an appoint ment the list of agents and Compa Nies currently barred banned or limited from soliciting on any or All Dod installations is available through the personal Commer Cial solicitation report link at  email Vince Little at keeping ids private in mass emails q i just ask Jim got the new windows Vista operating system when Send ing an email to a Contact group some of my recipients Are unhappy that the email addresses of the entire Jim Coates group show in the space fear of identity theft i the instructions for emailing Contact groups warn that this will Hap pen is there a Way to hide the addresses so that each recipient will see Only own address Fred Amador a Microsoft threw a curve Ball at people who prefer to get their email using Outlook express in Stead of any of the we based email programs the software company happens to offer so heres what you now must do in Vista to Send a message to one per son but hide theother recipients open a new message and Click on tools and then select recipients in the Box that appears select a name from the Contact list and Click on the add Button to Send to a acc now go Back to the line and there will be a acc entry paste addresses in there and recipients will see Only their names Contact Jim Coates via email at or via Snail mail at the Chicago Tribune room 400435 n Michigan ave Chicago in 60611 questions can be answered Only through this column add your Point of View at hints and sensibility Money tip of the Day hidden credit card fees Market watch new York Federal Law dictates that credit cards cant hide fees from customers but does that mean youre not pay ing any fees you dont know about not necessarily in fact americans pay about billion in credit card fees each year Here Are the ones that Are most commonly Over looked the late fee Banks charge As much As on top of finance charges if your payment Doest arrive on time if youre prone to forgetting schedule automatic payments through your Bank if its Only happened once or twice talk to your creditor they might just waive the fee the balance Transfer fee Many cards will advertise Low apr on balance transfers to entice customers but the Transfer fee could negate the advantages some cards dont have them capital one for example has no balance Transfer fees on most cards the Ca Hadvance fee use your credit card to get Cash from an atm and youre actually Tak ing out a loan probably with a very High interest rate but you May also have to pay a transaction fee both to your credit card company and to the Bank that owns the atm you use All in All its not Worth it Best to avoid Cash advances the Over limit fee exceed the limit on your credit card and you May have to Fork Over another wait Doest that under mine the Point of a credit limit perhaps but some companies will of the overcharge As a convenience for you but  it be More convenient if they just raised your credit limit you May want to explicitly let your credit card company know not to let you charge More than your limit the foreign currency fee if you use your card abroad youre going to have to pay a hefty fee typically around 3 percent of your Purchase so stick with travellers checks if you must use a card look for one with no fee or Low rate before you travel