Go to Jeff Salisbury LWGate Home Page.From: persfin-digest <owner-persfin-digest@shore.net>
Subject: persfin-digest V4 #107
Date: Wed, 26 Nov 1997 19:25:32 -0500 (EST)
Articles sorted by: [Date]
[Author]
[Subject]
persfin-digest Wednesday, November 26 1997 Volume 04 : Number 107
IN THIS ISSUE:
ADVERTISEMENT: MCI CONNECT FOR CC:MAIL
Mortgage payment--monthly vs. biweekly?
The Liquid CD - The Latest Rage in California
Evaluation of Real Estate Investment Seminars
Re: MLM for your long distance $?
Re: ATMs in Poland and Czech Republic - There Are Plenty
Re: Software Emulating Programmable Keyboard?
Another Programmable Keyboard Emulator
Mutual fund Distribution Timing?
Money to Poland - Don't Count on ATMs
Re: Early Withdrawal Penalty on CD - Some Ideas
Re: changing money in foreign countries - Check Inflation Rate
Re: Mutual fund Distribution Timing?
Does Price-to-Dividend Ratio Fluctuate?
IRA rollover question -- broker's fees? early redemption charges?
Re: Cheap perscriptions
Re: Early Withdrawal Penalty on CD?
Re: Question for self-employed's
Transportation sector mutual funds?
Transportation by numbers
Best Age To Purchase a Burial Site?
'reclaiming' miles on american airlines
====================================================================
Neither Clearview Associates, Inc. nor Persfin-Digest is responsible for
the content of any Persfin-Digest Sponsor Ad. Posting a Sponsor Ad does
not indicate endorsement of the product or service by Clearview
Associates, Inc. or Persfin-Digest. You're on your own.
This issue is sponsored by:
Oppenheimer Software - An Official MCI Messaging Agency. Features:
MCI Fax Broadcasting Service
MCI Fax Reply Service
MCI Connect for cc:Mail
MCI AutoForward
internetMCI
Lan Access to MCI
Telephone: 800-390-9379
FAX: 800-492-6862
E-Mail: Connect-Sales@mcimail.com
Also sponsored by Wholesale Products. Why pay retail?
The new HP360LX palmtops (Windows CE 2.0 and 8MB RAM) can be ordered.
Price $650 + shipping.
Specialists in HP320LX palmtops - the hot new HP palmtop that runs
Windows CE. Pocket versions of Internet Explorer, Excel, and Word are
included. Connectivity to PC applications. It's in stock and
orderable. Price: $470 + $15.95 shipping (in USA).
Check out our ProScan wide screen TVs and satellite receivers!
Motorola 56KB MobilSURFR PC Card/Fax Modem with Cellular capability -
$189.99
Visit our PAL/NTSC/SECAM electronics site, featuring VCRs, converters,
TVs, appliances, etc., geared to the international marketplace, at:
http://www.wholesaleproducts.com/non-usa.html
Calculators:
HP 48GX: $180.28 + s&h
HP 48G: $ 91.78 + s&h
Sharp Viewcam rebates! $150 rebate on VL-E500U, $100 rebates on VL-E600U
and VL-E650U
Visit our newly updated and expanded Web site, at:
http://www.wholesaleproducts.com
Special Orders: wholesal@shore.net
Phone: 1-617-438-8622 (24 hours)
Fax (24 hrs): 617-438-8307
For information on placing a Persfin-Digest Sponsor Advertisement, e-mail
ikrakow@shore.net
====================================================================
Persfin Digest Archive (maintained by Ameristock Mutual Fund):
http://www.ameristock.com and
http://www.ameristock.com/pda/persfin_home.htm
Ira Krakow's Mall: http://www.krakow.com
Personal Finance Web Sites: http://www.tiac.net/users/ikrakow/pagerefs.html
To post a question or an answer, send email to: persfin-digest@shore.net
The messages posted to the Persfin-Digest are opinions and are not
intended to substitute for qualified professional advice. Subscribers
should seek the services of qualifed professionals for such advice. The
publisher, Internet provider, advertisers, and Digest contributors cannot be
held responsible for any loss incurred as a result of the application of any
of the information provided here.
Copyright (c) 1995, 1996 Clearview Associates, Incorporated
REQUESTED SUBSCRIPTION FEE: $20/year. Monies will go directly to defraying
publication costs, compensating for the time and effort of the Publisher,
and enabling the Publisher to create additional useful sources of
information on the Internet. Send cash, check, or money order (U.S.
funds), payable to "Clearview Associates, Incorporated", to:
Clearview Associates, Incorporated
12 Clearview Road
Stoneham, MA 02180-1918
Contribution will be acknowledged by e-mail if you include an e-mail address.
To Subscribe: e-mail majordomo@shore.net, text: subscribe persfin-digest
To Unsubscribe: e-mail majordomo@shore.net, text: unsubscribe persfin-digest
----------------------------------------------------------------------
Date: Wed, 26 Nov 1997 17:40:11 -0500 (EST)
From: Oppenheimer Software <Connect-Sales@mcimail.com>
Subject: ADVERTISEMENT: MCI CONNECT FOR CC:MAIL
MCI Connect for cc:Mail
From cc:Mail
To the Rest of the World
A Native Mode, Router to Router Link
Global Accessability
Secure:Helps Keep Hackers Out of Your Network
Ideal for MultiOffice & Dispersed User Applications
Uses Existing cc:Mail Client-No User [re]training Needed
Supports Windows, Mac, DOS and OS2 cc:Mail (LAN and Mobile)
No Gateway Software Used-You already Have Everything You Need!
Includes:
Internet E-Mail
X.400 E-Mail (Secure, Private, Trackable e-mail)
Fax Delivery (Alternate Delivery Option Included)
Telex, Pager and Postal/Courier Hardcopy Options
Internet Vanity Domain Name Option Available
Oppenheimer Software Authorized MCI Messaging Agency
Tel:800-390-9379 E-Mail:Connect-Sales@mcimail.com
Fax:800-492-6862
------------------------------
Date: Wed, 26 Nov 1997 17:42:31 -0500 (EST)
From: CUZ000@aol.com
Subject: Mortgage payment--monthly vs. biweekly?
My mortgage company sent me an offer (Equity Accelerator Plan) to
change my payment from monthly to biweekly (with electronic withdrawal),
thereby reducing interest by 34K and payoff time by 6.5 yrs. and increasing
my equity at a faster rate. Now, there is a "One-time Lifetime Enrollment
Fee" of $295.00 and a "Participation Fee per Month" of $5.42.
1. Are these fees a normal charge for this type of plan?
2. Also, out of curiosity, which is more beneficial: this plan vs.
keeping a monthly payment and paying an extra payment once a year
strictly to principal?
Any info greatly appreciated,
Darrell Dixon
------------------------------
Date: Wed, 26 Nov 1997 17:44:39 -0500 (EST)
From: "Howard Kennedy" <poolshark@bigfoot.com>
Subject: The Liquid CD - The Latest Rage in California
The latest rage in California is the "liquid" CD. This instrument
allows you to make two withdrawals without penalty and as many deposits
as you wish. The current rate being offered on a minimum of $500.00 is
5.250% APY for 7 months. Longer terms are available and larger deposits
will receive larger interest returns.
Happy shopping.
Howard
------------------------------
Date: Wed, 26 Nov 1997 17:45:29 -0500 (EST)
From: Harry Payne <hwp@cdp-sun01.kodak.com>
Subject: Evaluation of Real Estate Investment Seminars
Hi!
I'll throw in my two cents. From time to time I see an interest in
Carlton Sheets and other real estate investment seminars. The other day
I was informed about the following site that evaluates these seminars
and home-study courses.
FYI - check out the following web site and the related links. Enough said!!
http://www.johntreed.com/rateseminars.html
H.W.Payne - M.I.T.
| H. W. Payne | Email: hwpayne@Kodak.COM |
| Eastman Kodak Company | |
| Broad Tech Platform Center | Voice: (716) ###-#### |
| MailCode: 37001 | FAX: (716) ###-#### |
| 1447 St. Paul St. | |
| Rochester, NY 14653-7001 | |
------------------------------
Date: Wed, 26 Nov 1997 17:46:21 -0500 (EST)
From: Stephan <stephan@mail.org>
Subject: Re: MLM for your long distance $?
A. Ansari asked about ACN.
Yes, American Communications Network, Inc is an (appearently) reputable
MLM in business for a few years.
This (the way they market and compensate their distributors)
should not influence your decision to use their service; compare
price/value/benefits/features/etc. Call your current LD carrier
and see if they'll meet or beat the ACN rates.
BTW, both MCI and Sprint entered the LD market and gained huge shares
through Network Marketing(MLM).
You can also compare LD reseller programs at http://www.thedigest.com/
Have a Great Holiday,
Stephan
- --
Useful Links for Business and Personal Success
at http://LinktoSuccess.com
------------------------------
Date: Wed, 26 Nov 1997 17:47:30 -0500 (EST)
From: alufml@fanniemae.com (Francois-Michel Lang)
Subject: Re: ATMs in Poland and Czech Republic - There Are Plenty
Check out http://www.mastercard.com/atm
It's a worldwide ATM locator for Cirrus ATMs.
I found I think five Cirrus ATMs in Krakow and
nearly two dozen in Prague. I assume there's
something similar for Plus ATMs, but I don't know.
------------------------------
Date: Wed, 26 Nov 1997 17:49:40 -0500 (EST)
From: Scott Barnett <sab@crisp.net>
Subject: Re: Software Emulating Programmable Keyboard?
> Does anyone know of any available software which will emulate the
> capabilities of a programmable keyboard by enabling one to enter repetitive
> operations, such as entering one's name, address, tel. no., etc., when
> filling out applications and other forms of this type with the mere touch
> of a key or key combination?
I don't know if this helps, but there's a program called ClipMate that
allows you to "clip" many items onto a clipboard, to be reused over and
over. You could copy the items you mention above into the clipboard,
then just paste them into your forms by using the few keystrokes you
mention.
Try http://www.clipmate.com for a 30 day free download. I'm not affiliated
in any way with them, I just happen to know the owners of the company.
- --
Scott Barnett
sab@crisp.net
------------------------------
Date: Wed, 26 Nov 1997 17:50:41 -0500 (EST)
From: "Schafer, Rick" <schaferr@eng1.otis.com>
Subject: Another Programmable Keyboard Emulator
Word processors such as Microsoft Word have what's called 'macro'
capability. This means you can program it to memorize a series of key
strokes & mouse clicks (by 'recording' a macro), then replay the series
any number of times & whenever you want by 'playing' the macro. Follow
the HELP instructions in your word processor to learn more. This might
help...
Rick Schafer
------------------------------
Date: Wed, 26 Nov 1997 17:51:40 -0500 (EST)
From: "Gary M. Oppenheimer" <0002180241@MCIMAIL.COM>
Subject: Mutual fund Distribution Timing?
>>If I sell a fund before the normal year-end distribution, do I thus lose
>>the distribution/dividend that has been accumulating all year?
Nope. Here is how it works.
On Jan 1, you buy 4 shares of a mutual fund with a NAV (price per "share") of
$25, or $100 for the total purchase.
By Dec 14, the NAV climbs to $30. Later, on Dec 15, an end of year
distribution (lets say $3) takes place.
If you sold out on Dec 14, when the NAV was $30, they'd give you $120 (4
shares times the current value of $30 per share).
On Dec 15, the fund does a distribution of $3 per share. The value of each of
your shares drops from $30 to $27, and the fund gives you $12, which you can
take as cash or use to purchase more shares of the fund. Your investment is
still worth the $120 (4 shares at $27 each = $108 plus the $12 distribution) it
would have been worth if you had sold it a day earlier.
The big difference is the tax treatment of the two events.... the sellout on Dec
14 is only long term capital gains, while the sellout on Dec 15 is a mix of long
and short term capital gains and dividends.
------------------------------
Date: Wed, 26 Nov 1997 17:52:20 -0500 (EST)
From: Tomasz Motor <motor@ctron.com>
Subject: Money to Poland - Don't Count on ATMs
Hi Ira,
My name is Tomek and I work with Boris Varshavsky.
He forwarded me your e-mail about the best way to bring money
to Poland and Czech Republic.
I would not count on the ATM machines. I have been
in Poland recently and if there are any ATM machines I have not
seen them. A lot of places accept credit cards (I believe VISA
is the best). However, cash is still the most popular.
I am not sure about the travelers checks. If you bring any I would
exchange them to Polish money - stores most likely will not deal
with foreign currency (especially travelers checks).
If you decide to exchange US $ for Polish money, do it
at arrival or in larger cities - you might have trouble finding
exchange stations in smaller towns.
Make sure that you keep your cash safe regardless of what
the currency.
Good luck,
Tomek.
------------------------------
Date: Wed, 26 Nov 1997 17:54:59 -0500 (EST)
From: Steve Brodeur <sbrodeur@draper.com>
Subject: Re: Early Withdrawal Penalty on CD - Some Ideas
>I've never come across a bank that doesn't charge a penalty for early
>withdrawal.
On a CD, the early withdrawal penalty is typically loss of one or two
months interest. If the interest rate is 5% vs. 2% savings account, it
doesn't take many months to make up the difference, even paying the
penalty! Be sure to read and understand the specifics of the CD you buy,
but on my 6 month CD, the penalty is one month's interest.
>One way to minimize early withdrawal penalties is rather
>than open up one $10000 CD, open up (for example) 5 $2000 CD's and then if
>an emergency arises you could cash in only as many CD's as necessary and
>only incur penalties on the amount of principal you cash in rather than on
>the entire $10000. This might be most helpful to an older person living on
>a fixed income.
If you decide to split up the $10K into multiple CDs, you might also
stagger the time you open them as well. For example, if you open 5 CDs with
1 year maturities, you could open one every 10 weeks. That way, you would
never be more than 10 weeks away from a roll over date, when you could
cash one out penalty free. If it were a more 'urgent' need, you'd still be
able cash one quicker and pay the penalty.
------------------------------
Date: Wed, 26 Nov 1997 17:56:55 -0500 (EST)
From: David Martin <dmartin@seabreeze.hc.ti.com>
Subject: Re: changing money in foreign countries - Check Inflation Rate
In some countries, inflation in teh local currency is so bad
that people save all of their money in dollars and convert it as
necessary. This was the case in Turkey when I visited, which had an
inflation rate of around 1% per week. As a result, the foreign
currency exchange places in the residential areas give very good deals
since they have lots of competition.
-David Martin
(Editor's Comment - In that situation, probably some tangible item
(cigarettes, Levis jeans, sneakers) are better "currency" than the local
one. -IK)
------------------------------
Date: Wed, 26 Nov 1997 17:57:53 -0500 (EST)
From: Rich Carreiro <rlcarr@animato.pn.com>
Subject: Re: Mutual fund Distribution Timing?
>If I sell a fund before the normal year-end distribution, do I thus lose
>the distribution/dividend that has been accumulating all year?
Yes, but it doesn't matter and in fact can work to your advantage.
Why? Because the distribution-to-be is built into the NAV of the shares.
Let's say a fund has a NAV of $20 and is about to pay out a $5
distribution tomorrow. That $20 consists of $15 of investments and $5
of cash that is about to be paid out. If you sell before the
distribution you end up with $20 in cash. After the distribution that
$20 share turns into a $15 share plus $5 cash paid to you. You then
sell the $15 share and so end up with $20 cash in total. Exactly the
same as selling before the distribution.
Why can selling before the distribution be to your advantage? The
distribution may contain ordinary income and 28% cap gain income as
well as 18-month cap gain income. If you have held the shares longer
than 18 months, you'll be in the 10%/20% cap gains rate and by selling
before the distribution effectively get that $5 distribution taxed at
a lower rate than taking the distribution and then selling the shares.
It probably won't amount to much for most people and funds, but if
someone had big holdings in a fund that was about to make a big
distribution that had lots of ordinary income and 28% cap gains in it,
it'd be worth running the numbers and taking the time to decide
whether to sell before or after the distribution (assuming the
decision to sell had already been made, of course).
Rich Carreiro
rlcarr@animato.pn.com
------------------------------
Date: Wed, 26 Nov 1997 18:57:47 -0500 (EST)
From: "Rao, Bharat" <bharat@scr.siemens.com>
Subject: Does Price-to-Dividend Ratio Fluctuate?
A quick question about the price-to-dividend ratio: does
this fluctuate on a daily basis (I would imagine so, because
prices change daily)? Is this quantity listed anywhere (either
for the S&P 500 as a whole, or the entire stock market) in
a newspaper or a web site?
Thanks for any information,
Bharat
R. Bharat Rao, E-mail:bharat@scr.siemens.com [PGP WELCOME]
Adaptive Information & Signal Processing, Siemens Corporate Research
US Mail: 755 College Road East, Princeton, NJ 08540
(Editor's Comment - Yes, it's usually shown in the YIELD column. There's
a theory that the valuations of the DJIA stocks are too high because the
collective yield is historically low (2%-3% nowadays). -IK)
------------------------------
Date: Wed, 26 Nov 1997 18:59:07 -0500 (EST)
From: "Rao, Bharat" <bharat@scr.siemens.com>
Subject: IRA rollover question -- broker's fees? early redemption charges?
It seems like a great idea (if you are making a non-deductable payment
for an IRA in 97) to open a regular IRA account and then roll it over
into a Roth IRA in 98.
Question is how is the rollover done? Lets say you buy $1000 worth
of stock & $1000 in a mutual fund, and don't want to change your
investments -- you don't want to sell them -- just stay in them.
If you do a rollover, and say you have stock, do you actually have to
physically sell the stock (and pay commissions) in order to figure the
tax? Or is it just computed based on the value of the stock, and all
you do is change the registration?
Similarly, if you buy a mutual fund that has an early redemption fee
(1% if less than 5 years), do you have to pay that?
Vanguard isn't sure what the industry will do on the latter. Just
soliciting comments,
Bharat
R. Bharat Rao, E-mail:bharat@scr.siemens.com
------------------------------
Date: Wed, 26 Nov 1997 19:00:19 -0500 (EST)
From: Avrum Lapin <avrum113@cyberg8t.com>
Subject: Re: Cheap perscriptions
>
>Second, where can prescription drugs be purchased inexpensively? We've been
>spoiled by our HMO which we'll be leaving shortly.
>
1) Start by assembling a list of medications and get a quotation for
quantities of 100 and for a 90 day supply from a few local pharmacies. A
lot of the pharmacy's mark-up is associated with the actual filling and
dispensing. Get prices both for the brand name and equivalent generics.
2) If you are using a mail order pharmacy with your HMO, that pharmacy may
be willing to sell at the price they charge the HMO plus the co-payment.
3) AARP has a mail order pharmacy at 1-800-333-5600
4) Others that I have heard of are "Prescription Solutions" in San Diego,
"Express Pharmacy" in Pittsburg and Birmingham. Get their 800 numbers from
1-800-555-1212. I believe that that Express pharmacy is a subsiduary of
Thrift Drug Stores which inturn is owned by JC Penney.
5) If you live near the Mexican border try pharmacies in Mexico - but I
would be leary of generics ,
Avrum Lapin
Upland., CA
------------------------------
Date: Wed, 26 Nov 1997 19:02:19 -0500 (EST)
From: David Chaille <davec2@ptconnect.infi.net>
Subject: Re: Early Withdrawal Penalty on CD?
Coast Federal Bank in California has a liquid CD. $500 minimum to open
and unlimited additional deposits. CD is either 6 or 7 months. You can
make 3 withdrawals without penalty. They advise you to close the CD upon
the third withdrawal and open up a new CD so that you can start the
three withdrawals all over again.
Essentially, the CD acts like a savings account but with CD rates.
Right now, I believe, the APY (Annual Percentage Yield) is around 5.35%
which certainly beats a savings account rate.
------------------------------
Date: Wed, 26 Nov 1997 19:04:26 -0500 (EST)
From: "Jim Reed" <jreed1@airmail.net>
Subject: Re: Question for self-employed's
>I am now moving into semi retirement and am setting up a part time consulting
>practice. I need assistance in three areas:
>
>First, what software package would work best for hourly billings and
>invoicing, as well as tax data?
I believe that one of the newest version of Quicken might fill your
needs. Be sure to get the version that does invoicing and can post to
your tax return's Schedule C.
>Second, where can prescription drugs be purchased inexpensively?
The best arrangement I've found for self-employed's is the plan offered
through the National Association for the Self-Employed (NASE). They have
a web site that I believe you find by using one of the Internet search
engines.
But......I'm afraid that the words "inexpensive" and "prescription
drugs" may be somewhat inconsistent with one another.. <smile> Good
luck....and, if you find inexpensive prescription drugs, be sure to let
all of us know.. <grin>
Finally, where is the best place to buy a laptop computer? Low price, =
good seller support?
I recently helped a friend buy a laptop. The best we found (in our part
of the country anyway) was the deal that Compaq was offering on their
laptops. Compaq is now advertising this in the Wall Street Journal.
>Thanks for any advise you'll be willing to share.
No problem......
Kindest regards,
Jim, in Texas
jreed1@airmail.net
------------------------------
Date: Wed, 26 Nov 1997 19:05:25 -0500 (EST)
From: dcornine@washington.navy.mil
Subject: Transportation sector mutual funds?
I am interested in investing in a transportation sector mutual
fund, yet am having difficulty finding funds to choose from. The
investing magazines I have been reading have precious little to
offer this subject. Can anyone help me out here?
/S/ Dan Cornine, USS GEORGE WASHINGTON
At the tip of the spear...
------------------------------
Date: Wed, 26 Nov 1997 19:06:39 -0500 (EST)
From: dcornine@washington.navy.mil
Subject: Transportation by numbers
I would like to offer the following in response to your recent
questions in persfin-digest. Keep in mind that this plan works for
me because I am mechanically inclined to a basic level and I
am more concerned with driving my money to the bank than I am driving
the latest flash car to the bank. My opinions oppose everything the
new-auto industry wants us to believe and require a shift in
paridigm for a lot of people.
If I were to buy a new car, it would be in a price range for which
I would pay approx $3-4K per year in principle and interest. That is
my baseline. Adjust accordingly for your own personal means.
Therefore, if I can BUY outright a quality used car for $3-4K, and
make it last reliably for at least one year I am breaking even. This
overlooks the obvious additional savings on insurance. My criteria
for quality is safety, reliability, and comfort.
Of course, one must begin with a good car used car. My ideal car in
my price range is a higher-end-model American-made car with low
mileage that has been well-maintained (preferably garage kept) by its
original owner/s. When I buy my next car this spring, I will hunt
for an option-loaded, large Oldsmobile owned by a brand and dealer
loyal couple who are ready for a new car. I will hunt patiently
until I find exactly what I am looking for, then pay cash. If I was
searching in a slightly higher initial-outlay bracket, I would search
for a longevity hero like Toyota or Honda, with low mileage (can be
hard to find). I prefer to buy from private sellers to save money on
processing fees and overhead, but there are distinct advantages of
peace-of-mind to buying through a reputable used car dealer.
In order to achieve my objective, I change the oil religiously at
5K miles. With the improved technology of today's oil filters, 5K is
acceptable where 3K was once the standard. I keep the tires inflated
to specs, check fluid levels regularly, all standard easy stuff, but
I do it routinely.
That's my basic plan to break even, but I've beaten the odds with
it and will again and again. Example: In fall 1991 I bought a
loaded 1987 Olds Firenza that was immaculate and had 54K miles on it.
I paid approx $4.4K. I kept it until Oct 1997, with an
additional 50K miles on it, and only put approx $600 dollars into
it above routine maintenance costs. Not once was I ever stranded by
the proverbial roadside. The car cost me less than $1K per year,
yet was safe, reliable, comfortable and socially acceptable.
Brand and models are matter of opinion. Check reliability
statistics in Consumer Reports, etc. and always bounce
the price against the NADA book.
When I travel on long vacation drives one or twice a year, I rent
the luxury car of my choice for a week or so, and STILL come out
ahead.
An additional benefit, albeit of strictly personal perception, is that
by buying something used and making it last longer, I minimize my
contributions to the mass-overconsumption that is rampant in the world
today. But that is another info-page.
I feel that buying a used car as described above is an investment
when compared to buying a new car, which is pure expense. Everytime
I get in my car, I think about the car payment I'm NOT making that
month ( but instead invested), and the money I saved on insurance.
Then I drive off to get on with enjoying my life. When I reach the
point when I can afford a car regardless of price, I will drive a
new luxury car as a luxury.
Sincerely, Daniel Cornine
------------------------------
Date: Wed, 26 Nov 1997 19:07:32 -0500 (EST)
From: Steven Klein <SKLEIN@snm.org>
Subject: Best Age To Purchase a Burial Site?
Death Question
I hope this question is not too morbid.
What is an apporpriate age to purchase a burial site? I assume this
should be done when one is healthy, so you can shop around.
SK
------------------------------
Date: Wed, 26 Nov 1997 19:08:43 -0500 (EST)
From: "Dalmia, Bipin K." <DALMIABK@phibred.com>
Subject: 'reclaiming' miles on american airlines
hello:
somebody recently mentioned that american will reinstate exipired or
expiring miles for a nominal fee. i just called american to do that
and they said that they won't do it. ???
bip
------------------------------
End of persfin-digest V4 #107
*****************************
Articles sorted by: [Date]
[Author]
[Subject]