European Stars and Stripes (Newspaper) - July 4, 2007, Darmstadt, Hesse                                July 2007 stars and stripes Page is your Money finding Best credit card for you by june Walbert special to stars and stripes receiving dozens of pre approved credit card offers in the mail can be but they May leave you wondering which offers Are the real Deal and which Are just smoke and no single credit card is Best for military members May Benefit from certain features More than a close look at the interest fees and rewards should help you pick the offer that Best suits your read the Fine print most people shopping for a new credit card look at interest rates so most credit card offers highlight their rates on the front of the lower interest rates Are generally but if two offers have the same interest a closer look May show they Are actually quite variable fixed find out if the Annu Al percentage rate apr on the card is Vari Able or variable rates usually Start lower but can go up or Down Over while fixed rates May Start a Point or two higher than variable even if you have a fixed most credit card companies have the right to change your interest other interest pay attention to inter est rates for services such As Cash advances or balance transfers they May be higher than the apr for add up fees do not let Low interest rates distract you from other costs of doing business with a particular if you forget to Check the fees Section of the credit card you May find that your interest savings do a disappearing act right before your All credit Mot created equal read the interest rate Fine print is it Vari Able or fixed add up fees such As late payment and  understand program rules and limits so you can reap the ask about extras such As added Protection and tvs for deployed place an Active duty Alert in your credit report to help protect yourself from identity the Alert requires creditors to verify your identity before granting credit in your military members receive lower interest rates on credit card balances while notify your Bank or creditor in card lenders charge various knowing All you can about the fees is annual find out if the card has an annual some cards charge an annual fee of to but it can be Worth the Cost if you will use the card often enough to earn valuable if look for a card with no annual late payment fees for delinquent pay ments can be extremely the Best policy is always to pay your Bill on but if you Are the forgetful you will want to com pare these fees other also Check into overt limit fees that occur if you spend beyond your designated credit look at balance Transfer fees if you Are considering moving an exist ing balance to the new reap rewards credit card rewards programs Are More popular than Many cards come with an incentive airline free Cash shopping discounts and knowing the rules and limits of each program is essential to making sure you actually enjoy the rewards you Are paving learn How Points Are accrued and How often you will be Able to use do you have to spend Money in certain places How much do you have to spend before you get a re Ward Worth having Are there Reward restrict such As blackout dates for air travel or a capped limit on rebates do you have to carry a balance to earn higher Reward Points its tempting to rack up Points to earn re avoid charging so much on the card that you cant pay off your its Best to pay off your balance each dont forget extras even after looking for a Low interest Low fees and a great rewards you May still have several cards to choose there Are even More factors you can consider before deciding on a credit customer choose a company that responds to your whether online or by find out How easily you can Access your account and Bank added ask whether the company offers additional such As debt pro if it is still a tossup among several the benefits of choosing a company you know and Trust May be the ultimate june Walbert has 17 years of military service and is a certified financial planner with usaa financial plan Ning company to update arms for the Blind the associated press Boston the nations larg est no Bank owner of arms will improve Access for the Blind at its machines located in Gas stations and under an agreement announced wednes card tropics based in hous will make most of its arms accessible to the Blind by under an agreement settling a lawsuit filed by the National federation of the Blind and Massachusetts attorney general mar tha card tropics operates about arms in locations including Albertsons tvs care Mark pharma Hess and Sunico Gas and target the agreement also Cov ers another arms that card tropics plans to acquire from 7eleven these arms Are in valuable to that whats going to make this so said John pare federation the machines will employ voice guidance which is commonly available at Many Bank it is activated by plugging headphones into a Jack on the the National federation of the Blind will Moni Tor card tropics Accord ing to the Jack president and chief executive of said in a statement that that his company will be a not a in improving atm a mondays 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 500 Midcap Russell 2000  nose amex Nash a most Active or More name last chg pm cup Pfizer Geneles inc forum sprint nex Exxon by i Tigre and Micron 283785 275491 265611 250065 232807 200405 188954 168621 166733 161883 most Active name last chg Spur ishr2k nya Pru Shouq n up incl up envy Djina diam oils vat Semi her inter Oil g up util 915866 500728 159469 143652 134310 83298 73118 68710 48305 46407 most Active name vol 00 or More last chg pm she Sqq Dobs once Sun Micro Intel Microsoft Apple inc Cisco Schwab Oracle 726972 667554 637792 430066 413973 330072 319070 269178 222815 213978 key defense stocks chg Armor computer general Harris Allied l3 Lockheed Rockwell Seq a Texas text 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commercial rates Are inter Bank rates provided f9r reference when buying All figures Are foreign currencies to one except for the British which is represented in and the which is precious metals new York merc Gold Silver interest rates prime discount Federal funds Market rate 3month 30year sources the associated Bank of America fits and sensibility Money tip of the Day retirement jobs Market watch new York the baby Boomers Arent exactly known for cleaving to and when it comes to retirement their views Are no less unconventional than youd unlike past generations con tent to spend their sunscreen years warming themselves on Florida beaches or playing end less rounds of most Boomers plan to occupy the lat Ter part of their lives in a poll by 79 percent said they intended to work in some capacity in if you Are approaching retire ment age and Arent quite ready to exit the rodent Here Are three tips for finding your dream retirement Job update your older workers bring a level of exper Tise and practical experience that comes Only with but employers will be reluctant to hire you if your technical skills Haven kept Pace with advances in your increase your Odds of Landing a Good position by Bon ing up on your computer skills and learning whats going on at the cutting Edge of your Many colleges offer night and weekend classes for profession als and universities increasingly Are making their course lists and lectures available free on Start where you when youre ready to begin looking for a new talk to your current employer your inside knowledge of the company Cul Ture and practices will be hard to replace and the company May be willing to offer you a Par time or consultant position to keep you in the if that Doest get the word out through friends and colleagues that youre searching for a and dont forget to use events hosted by professional organizations As an Opportunity to net explore Job boards for older with More and More Boomers embarking on the second phase of their Job Hunting Sites geared toward Versos Are for More visit retire com or