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BUSINESS Vietnam Pledges Its Cooperation in Search for Ml As

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BUSINESS Vietnam Pledges Its Cooperation in Search for Ml As U — MANCHESTER HERALD. Saturday, Jan. 4. 1986 MANCHESTER CONNECTICUT SPORTS BUSINESS Reich praises Tutu says God Bears’ defense EMS cooperation scorns apartheid punishes Giants .. page l l Business FDIC keeps trouble from your door ... page 3 V/ ... page coverage — up to the $100,000 limit — for the total In Brief QUESTION: The bank at which I have three value of insured accounts. That Includes money certificates of deposit totaling $50,000 is in financial deposited and interest earned. trouble. There have been stories In the newspaper that QUESTION: At retirement, I took my pension Saab aalet spurt In 1985 it might be taken over by another bank. My bank Is a member of the Federal Deposit Insurance Corp. and I Investors’ money in a lump sum and put It ® ORANGE — Sales of Saab cars in the United individual retirement account at a FSLIC insurea know that, If it is taken over, the new bank would States Jumped 16.7 percent in 1985 over the Guide S&L. It’s in a 10-year certificate of deposit provide FDIC coverage. ' previous year, Saah^ania of America has accumulating 14.08 percent annual Interest. _ Two of my CDs pay 14.5 percent interest, the third announced. william A. Doyle As interest is credited to my IR A CDeach month, its 10.75 percent. If my bank is taken over, will the new Saab dealers sold a record 38,243 cars in 1985, value next year will pass $100,000. At maturity, tbeCD compared to 32,768 cars in 1984, the company said bank be obligated to pay interest on my CDs at those rates? Will the new bank be able to pay off my CDs will be worth well over $200,000. Is in a prepared statement Thursday. During can do to protect my investment — especially the high December, Saab dealers sold 3,412 cars, an before they mature, even though I want to keep them? iEaurhpstrri Manchester — A City of Village Charm HrraW yield? increase of 17.2 percent over December 1984, If no bank takes over my bank and the FDIC closes my maturities, you’ll be hit with whatever early ANSWER: Once the value of your IR A CD paMM when 2,979 cars were sold, the company said. bank, when will I get my money? If I decide to cash out withdrawal penalty applies on each certificate. The $100,000, the amount over that maximum F S L ic Robert J. Sinclair, president of Saab-Scania of my CDs before they mature, rather than wait and see minimum early withdrawal penalties, set by federal coverage will not be Insured. At that point, some of America, said the company hopes to sell 45,000 how things work out, how much would I lose? I am 25 Cents regulation, vary — depending on the length of your money will be exposed to risk. If the S&L goes cars in 1986. very worried. Monday, Jan. 6, 1986 maturity of each certificate and when each certificate belly up and is not merged into another depository The company added a new flagship model, the was issued. But some banks and savings and loan ANSWER: Relax. You’re worrying yourself Into a institution. „ ,, Saab 9000 Turbo, in November 1985, but said it Associations levy penalties higher than the federal expects the Saab 900 series to account for the tizzy for no good reason. Your money is safe, le t ’s That risk has to be counted as small. However, if minimums. you don’t want to take it, you’ll have to redeem the CD majority of its sales volume in 1986. take your questions, in order. If your bank is merged into another bank, your CDs You would be very foolish to redeem your and suffer an early withdrawal penalty. Then, you « Comet Halley Vietnam pledges will become obligations of the bank that takes over certificates before they mature. Stop worrying. have the tough task of putting your money back to Prime Time viewing PaMbook accounts offered your present bank. Your new bank will have to pay These same rules, of course, apply to S&Ls with work at anything approaching the high yield you interest on your CDs at the same rates you’re now Federal Savings and Loan Insurance Corp. coverage. now enjoying. Since interest rates have dropped, it s HARTFORD — Two Connecticut banks have receiving. mighty difficult to find a S&L or bank paying 14.08 streaks away announced they are of fering high-interest, money QUESTION: We keep reading that each depositor of Halley's Comet The new bank will not be able to cancel the percent on new 10-year CDs. market-type passbook savings accounts. at a bank with FDIC coverage, a S&L with FSLIC its cooperation in contractual obligations of your CDs and pay them off If you’re willing to run a moderate risk, my advice is The Bridgeport-based Citytrust said Thursday The lirsi two wt'oks of Jaou.U7 coverage or a credit union with National Credit Union to leave the money where it is but keep a sharp eye on that its "Passbook Plus" account will pay an 11 before maturity. If the FDIC closes your bank and your CDs are not Share Insurance Fund coverage is protected up to the financial status of that S&L. Bail out, only if you from north represent the last pooci evening percent annual interest rate until Feb. 1. transferred to another institution, you’ll get your $100,000 if the bank, S&L or CU must close its doors. Customers who open a "Passbook Plus” read news that it is in trouble. money pronto. In a situation such as that, the payoff Does this insurance cover only the money originally viewing opf)oriunity for most account before that date will get a 10 percent usually is available withing a week — often the very deposited, or does it also cover accumulated interest? Doyle welcomes written questions, but he can NEW YORK (U PI) — If you live in the United search for Ml As bonus on their accumulated 1986 interest after observers in thf' United States next business day. provide answers only through the column. States, especially in the north, this week and next will their account has been active for 12 months, the If you redeem your certificates before their ANSWER: All three federal agencies provide be your last good chance to see Halley’s comet unless Details of the talks were withheld at the bank said. Citytrust is requiring a minimum of you plan a trip to the Southern Hemisphere in a couple Bv Ted Chan request of the Americans, but they had been United Press International $5,000 to open an account. of months. expected to focus on plans submitted by Hartford-based Connecticut Bank and Trust Comet Halley is racing toward the sun at better than each side to resolve the MIA issue within two HANOI, Vietnam — Vietnam will not use Co. on Thursday began offering the "Money 56,000 mph, sinking lower and setting six minutes PEGASUS^ years and a proposal for a permanent U.S. 6 4 Market Passbook.” Unlimited withdrawals can the search for more than 1,700 missing MIA liaison office in Hanoi. Stocks close the week earlier each evening in January as it heads for its Americans as a bargaining chip for better be made from the account and customers can use I Dow Jones Average close encounter with Earth’s star on Feb. 9. X PISCES \ A Vietnamese Foreign Ministry .source the bank's automatic-teller machines for tran­ relations with Washington, an official The comet will be lost in the glare of the sun next ■ \ . \ said today’s session addressed the fine sactions. the bank said. The bank requires a I January 3, 1986 30 Industrials pledged today outside a meeting involving month and on Jan. 17 the moon reaches first quarter , points of proposals to resolve the fate of the tiiinimum balance of $1,000. with a broad advance • * * the highest-ranking U.S. officials to visit and its light will increasingly overpower the dim MIAs and recover their remains. The key The 5.5 percent federal ceiling on interest rates Hanoi in 10 years. ^ High: 1557.11 comet. points would be ironed out during the for regular passbook savings accounts will be sales figures for the mid-December selling By Chet Currier After looping around the sun in February, Comet "■'x The seven-member delegation, headed by meeting with Thach. he said. period. General Motors rose */4 to 71Vk. and lifted as of April 1. The Associated Press Loiw: 1534.98 Halley will head back toward Earth on its way back Assistant Defense Secretary Richard Ar- Soon after the Americans arrived, Hanoi Chrysler added % to 46‘/4, but Ford Motor Close:1549.20 out to the depths of the solar system in its 76-year orbit (The Circled mitage.^ and Assistant Secretary of State officials proposed a visit to the site of a November employment high NEW YORK — The stock market staged a was down 44 at 57V4. of the sun. Paul Wolfowitz, talked with Deputy Foreign warplane crash in Hanoi and to a building broad advance Friday, rebounding from its Elsewhere among the blue chips. Interna­ Up: 11.47 Halley will return to view for observers in the Minister Hoang Bich Son across a narrow, the Vietnamese have set aside to be the U.S. WETHERSFIELD — Connecticut’s economy decline in the first session of 1986. tional Business Machines picked up 244 to United States in the predawn sky of late March and green felt-topped table for more than three Embassy if diplomatic ties are established.
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