European Stars and Stripes (Newspaper) - June 16, 2007, Darmstadt, Hesse                                Pace 30 s Tah s and stripes june 2007 your Money study a disability pay too Low for some disability compensation for veterans severely wounded in Iraq and of particularly the is set too creat ing a lifetime earnings Gap with no disabled according to a draft study on disabled veterans incomes prepared for the Veter ans disability benefits commis the same study found that Dis ability compensation probably is set too High for veterans who first begin drawing the disability pay ments at age 65 or having already retired from pos service this imbalance in disability compensation paid by the depart ment of veterans affairs a was a Point of Contention at a june 8 commission Congress created the commis Sion to examine the appropriate Ness of benefits being paid to vet Erans and their the commission hired the think tank Cna to Survey More than veterans to determine the effectiveness of a disability pay ments in replacing earnings capacity lost to service connected disabilities when compared to military Tom Philpott no disabled the typical Veteran is awarded disability pay around age the prevent value of their diminished lifetime earnings is about and Over their remain ing years they will draw about in a disability compel nearly Matching average earning but the fairness of disability payments unravels when actual earning losses Are broken out by the veterans age when payments the severity of disability and whether conditions Are physical or Cna noted that a 25yearold Veteran who returned from War 100 percent disabled from physical wounds and was rated Asun employable by the a began receiving a year in disability compensation using 2005 that amount was More than Short of the needed annually to stay even with non disabled the study a paid the same to a 65yearold Veteran rated Asiu or individual but if that older Veteran became disabled for the first time at 65 based on latent service connect de after working a full a actually is overcompensating the study that because that older with his working life behind would need Only to close an earnings Gap with Peers who were no disabled while on average a compensation is about there Are age groups for which it Over or said Cna analyst Eric the imbalance occurs in part because the disability compensation system takes no notice of age or work experience when pay ments the earnings Gap is More pronounced for veterans who suffer mental disorders such As Post Trau Matic Cna a 25yearold Veteran rated 20 per cent to 40 percent disabled from pts received on average a disability compensation in yet to match the earnings of no disabled veterans of the same that pts Veteran would need almost a year in a compensation for the rest of his or her the study by the 65yearold vet eran newly diagnosed with also rated 20 percent to 40 percent faces a smaller earnings Gap with Peers Only its a Gap fully closed b that a compensation of while some commissioners expressed satisfaction that aver age a compensation was Ade and others challenged the notion of elderly veterans being commissioner Dennis a retired Navy vice said some thing must be done to raise compensation of younger veterans commissioner John Holland an i think we should be zealous in trying to fix Grady 1 mean the average is interesting but so what Cna analyst Mcmahon noted helpfully that whether you Are Happy with an average depends on which end of the distribution you Are to email write to military Box a 201201111 or visit thursdays Market summary indexes 52 High Low name last net chg Ltd chg chg 52wk chg Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex Index Nash a composite Russell 2000 do Wilshire 5000 nose most Active name vol 00 or More last chg forum Pfizer pm cup Geneles Gnu or Motorola Micron inc Tai Semi and 354386 345213 341839 330754 309729 254841 244964 239838 214252 212306 amex Nash a most Active or More name last chg Spur 1292280 isnr2k nya 635905 Prusha Rqn 209915 up engy 187809 Crystal log 142345 up incl 129257 Djina diam 122578 Semi her 113536 oils vat 92649 Sutil 75423 most Active or More name last chg Sun Micro push Sqq Intel Microsoft Oracle Cisco Apple inc co cast s Al matl so Russ 975882 933134 829813 534939 386190 372042 339423 277679 254866 242977 key defense stocks Armor computer general general Harris Allied l3 Lockheed North Rockwell Seq a Texas text Ron United key Mutual funds name Nav 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 Char tap Fidelity advisor Fidelity advisor Putnam funds a Globe qty p Dws Scudder cd s into Fidelity advisor Dws Scudder cd s Putnam funds a gig a Exchange rates military rates euro costs june Dollar buys june British Pound june japanese yen june South korean won june 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 South the Netherlands and the United for no local currency Exchange rates purchasing British pounds in Germa Check with your local military Bank ing commercial rates Are inter Bank rates provided for reference when buying All figures Are foreign currencies to one except for the British which is represented in and the which is precious metals  interest rates prime discount rate Federal funds Market 3month Bill 30year Bond sources the associated Bank of America cents and sensibility Money tip of the Day Telephone has its pluses by Marshall Loeb Market watch new York from Tibet to Trafalgar How did we Ever work and talk and survive without email in a 2006 Survey of office almost 75 per cent said they  live without but there Are times when we would be Wise to step away from the keyboard and reach for the say David oped Page editor of the new York and will Edi Tori chief of hyperion authors of Send the essential guide to email for office and Are four instances they cite expressing its Tough to convey the Subtle nuances of emotion Over we rely on intonation far More than we realize when interpret ing someones state of if youre dealing with a sensitive one badly phrased email can quickly ignite a so make a phone Call keeping things confident one of the attractions of email is that it gives you a sear Chable Schwalbe and Shipley but some things Are better left off the when com posing an remember How easy it would be for your buddy to Forward that Snarky missive you dashed off about a if you  be comfortable having the email passed a Good indication that you should make a phone immediate response re when youre on a dead email can seem like the fastest Way to get your message but not everyone checks his or her inbox a Quick phone Call is More Likely to get you the answer you re quire in a timely testing the whether youre trying to heal a rift with a coworker or reach out to a new business if s Al ways better to err on the Side of and nothing says re Spect like taking the time out of your Day to pick up the Selling your stuff taking the pain out of pcs with free classifieds for our