cairaechan
Wikipedia has a pretty extensive, and as far as I can tell accurate list.
http://en.wikipedia.org/wiki/Japanese_pronouns. Also, the Nintendo DS language coach informs me that it can be considered rude to refer to someone as he (karera) or she (kanojo) rather than by their names.
"karera" is plural, by the way, the singular is "kare" or "kareshi". It implies a relationship -- "kare"/"kareshi" and "kanojo" are often used where we would use "boyfriend" and "girlfriend."
"anata," similarly, is used between husband and wife affectionately, much like we would use "darling" or "dearest."
It would seem, then, that implying a relationship where there isn't one is what's actually considered rude, although that's more of a guess on my part than something I'm positive about.
(You might observe politicians saying "anata-sama" as a way to be nonspecific about saying "you" but trying to make it more polite.)
In general, you just use someone's name where you would use a second- or third-person pronoun in English, or if it's understood from context you just leave it out entirely.
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