European Stars and Stripes (Newspaper) - April 6, 2007, Darmstadt, Hesse                                Friday april 62007 stars and stripes Page 13 your Money Cash for the taking Federal Agency reports million in retirement pensions unclaimed by Jeannine Aversa the associated press trouble making ends meet living on your retirement nest egg you might be owed some pension Money a total of million in retirement benefits Haven been claimed the Federal Agency that in sures private pension plans reported tuesday the pension Benefit guaranty corp said 32000 people Are owed Money individual Bene fits Range from up to the states with the most missing pension Partick the average in pants and unclaimed pension Money Are claimed Benefit is new York 6885 people accounting for Mil lion in unclaimed benefits California 3081 people million new Jersey 2209 people million Texas 1987 people million Pennsylvania 1944 people million Illinois 1629 people million Florida 1629 people million where most is at stake and How much about although the vast majority of workers receive their full pension sometimes people lose track of Bene fits earned with former employ ers said Vince Snowbarger the Agency interim director the Agency urged people who May have lost track of a pension earned during their career and think they May be owed retirement benefits to con duct a search using pm Gas online directory people can search by their last name company name or state where the company was headquartered the pm go said the pm go insures pensions for 44 million work ers and retirees it was created in 1974 As a government insurance program for traditional defined Benefit pen Sion plans those plans give retirees a fixed monthly amount based on salary and years of employment companies that sponsor these traditional pension plans pay insurance premiums to the Agency if a company can not support its pen Sion obligations the Agency takes Over the plan and pays promised benefits up to certain limits to avoid missing out on your pen Sion Benefit the pm go advises workers to Tell their employers when they move or change names they also should hold on to any pension information they receive from their employer the Agency search tool identifies some 6600 companies Many in the airline steel transportation machinery retail and financial services industries that closed pension plans in which some former workers could not be found the Agency said that Rusty Clunker May be in its junking prime dear Tom and Ray my 1992 Honda civic la Sedan has 155000 Miles on it and has spent Many Minnesota Winters outside in the Salt and the cold the car runs great but it is very Rusty there is a Hole i the trunk a few of the rear bumper cover clips rusted through leaving the bumper hanging i repaired it with self tapping screws after a Long search for enough steel to hold the fenders Are rusted through there is rust on the Frame even rust around the shocks i always planned to drive the car until its wheels fell off however id rather not literally have the wheels fall off while in driving and i would like a Little no oxidized steel around me in the event of a crash i dont care about the cars appear Ance but i am concerned about safety How can you Tell when a car needs to be retired based on rust alone Marty Tom sounds like youre just about there Marty in fact you might have overshot a Little bit Ray the Point at which the car becomes unsafe rather than just ugly is when the rust starts affecting the Struc Tural underpinnings of the vehicle Click and Clack Tom and Ray Magliozzi Tom for instance uni body cars like your civic have a floor pan which is a big rein forced piece of Sheet Metal that serves As the cars Frame every important piece of the car ultimately is attached to that floor pan so if the floor pan starts rusting away you have to As sume that in an Accident the car will turn to dust Ray which admittedly will save you some Money on pos Accident towing fees youd just pick up the plates and walk away Tom but you wont have to care about that Marty be cause if 11 be your heirs who will be dealing with All that stuff Ray so what you need to do is go to your regular me chanic if you have one and ask him to Check out the floor pan the engine Cradle the Shock towers basically All of the structural components of the car and if he says there Rusty or he reminds you that he told you they were Rusty a year ago when he last saw you if s time to junk the car Marty 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  wednesdays Market summary 52week High Low name last net chg Ltd 52wk chg 1279593 1058332 Dow Jones industrials 1251030 521142 413472 Dow Jones transportation 490178 51045 380 is Dow Jones utilities 51010 10 02 946362 770811 nose composite 938146 218034 180065 amex Index 219009 253142 201278 Nash a composite 245033 146157 121929 143777 87089 71053 Midcap 85871 83001 66858 Russell 2000 81177 1482876 1224990 do Wilshire 5000 1458115 most Active or More name last chg Kraft first Atas Kali bins forum time am pm cup a Sebec Pfizer Motorola Antrias 533440 477271 434394 405232 343757 307408 305812 298084 257772 250876 3033 3233 3276 808 2052 1429 3532 2567 1767 6965 52 12 01 most Active or Hore name Yokoo last chg Spur 755342 jshr2knya 429617 spongy 148719 spa Sci 1346s2 Prus Haqq n 133854 Semi her 112423 cry staling 79615 do Madiam 72565 oils vat 60002 soil fun 43831 14369 8053 6125 3574 5235 3357 401 12499 14875 5246 Psi 03 11q most Active or Tore name Yokoo last chg Nash loot Sun Micro Ceil Gens Intel Cisco Sirius Microsoft Oracle toel3 Andreon 986000 739910 572651 522926 443190 439850 388959 311662 256923 252773 4416 579 570 1931 2585 309 2787 1836 600 1465 01 06 07 key defense stocks name div be last Ltd chg sch affiant Armor Boeing computer sciences general general Harris Allied l3 Lockheed Rockwell Seq a 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 Putnam funds a Globe qty p Fidelity advisor t dw5 Scudder c s Putnam funds a 18332 41305 11853 02892 60632 4785 Exchange rates military rates euro costs april Dollar buys april British Pound april japanese yen april South korean won april commercial rates Bahrain British pound419721 Canada China Denmark Egypt Hong Kong Hungary Israel Japan yen Kuwait Norway Krone 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 dose Gold Silver 413570 interest rates prime rate825 discount rate625 Federal funds Market rate 519 3month bill506 30year bond484 sources the associated press Bank of America m m my my moments and sensibility Money to prof th4 find College scholarships by Marshall Loeb Market watch new York this month High school seniors Are anxiously awaiting thick envelopes Sig Naling acceptance from the schools of their Choice but get Ting in is just half the Battle after the excitement of acceptance wears off the reality of paying for that Primo education will surely set in and though Stu dents will also receive financial Aid packages those Are Likely to be comprised primarily of Loans but there is still time to find free Money though Many scholarship deadlines have passed enterprising students can in Earth a few More and remember you can seek scholarships during your entire College ten ure heres where to look Start with local Money Check with your High school guidance Counselor office which will have information about scholarships for students graduating from local High schools sometimes county offices or libraries will publish Book lets of scholarships available to residents of specific towns coun ties or states head for the big boys National organizations and corporations offer major scholarships As Well popular ones include coca cola Reserve officer training corps and Siemens tap parents networks what organizations Are parents affiliated with Many of them whether they Are religious fraternal Community sender or professional ones offer scholar ships to members children and dont forget parents employers for reimbursement programs h scour the web there Are several great free scholarship search services available such As fast Webcam and Ornex pres com just remember that you should never have to pay to find scholarship information if you do its probably a scam talk to your College or University Many institutions will make a list of scholarships Avail Able to accepted students dont ignore Are often so specific or narrow that the Competition May not be very Strong