Today: Our special section on insurance The Daily Register
VOL. 99 NO.205 SHREWSBURY, N. J. TUESDAY, MARCH 8, 1977 15 CENTS Protests spark R-FH administration study
By JULIE MCDONNELL board members, was and who next year Is slated to public hearing on the budget, working on the problem. frequent reason" for the Generally, it appears thai years of service could retire prompted by the most recent' receive a salary of $43,355. It someone asks why the school "I think it's time we had a board's meeting in executive the Fair Haven members sup- and receive a bonus equal to RUMSON - The Rumson- public dissent over the pro- also has three assistant super- needs four administrators, public discussion about where session, which excludes the port such a plan, but the idea twice his or her salary, with Fair Haven Regional Board posed $3 3 million U77-78 intendents: Albert J. Loux, In and the board says that the the administrative structure public. has been met with resistance .the payment of that sum to be of Education is planning to un- budget. charge of school operations, functions are necessary, but at the high school is going," "I think it's time we made from the Rumson members, made over a four year period. dertake a hill study of the ad- Periodically -usually at who will earn $31,510; Newton that restructuring will be con- Mr. Barnes said. "We know this a policy question, and who control the board 5-4. Only one problem: the ministrative structure of the budget time— the board Beron, In charge of curricu- sraered if any of the present it's the foremost problem that brought the public into this." (There is one Fair Haven R,umson board is now in- high school, along with in- comes under fire from the lum, at a salary next year of four men were to leave the the taxpayers are concerned he said. vacancy on the board now.) volved in litigation over the vestigating possible early re- public for the number of ad- 130,975; and Donald Trotter, district, or retire. about, and the public should Mr. Bames also said he had Mr. Bames said 'he would plan, because the state Divi- tirement plans. ministrators, and their sala- In charge of guidance, at And John Barnes, a board know that we are working on come up with several plans to favor a plan similar to the sion of Pension said that the The announcement was ries, at the 1,200 student high $30,945 next year. member from Fair Haven, It." encourage early retirement one instituted In 1975 by the five former teachers who took made at a special board school. All four men are to receive said last night that he wants He said that, since Septem- among administrators, but Rumson elementary school advantage of the plan had to meeting last night called to The school has one superin- 4.7 per cent increases over to correct the impression that ber, Issues dealing with the that there Isn't sufficient sup- district. pay back the pension benefits authorize repairs to the base- tendent, Dr. John F. Kinney, this year's salaries. "the board members are just administrative structure port among board members Under the plan, any teacher they received under the plan. ball field, and, according to who's been there since 1054 Each year, usually at the sitting around idly" and not "have been the singular most to adopt such a plan now. 55 years or older . who had 25 See R-FH. page 2 Carter sets added meeting with Rabin
WASHINGTON (AP) - President Carter Is meeting for a third, originally unsche- duled session with Prime Min- ister Yitzhak Rabin of Israel, who is asking Carter to guar- antee Israel's strength to stand alone against its adver- saries. Rabin is meeting with Car- ter today at the White House. He was invited to lunch with members of Congress and scheduled a news conference later In the day at Blair House, the government guest residence across from the INJURED IN SHOOTOUT — An unidentified man The Incident began when a policeman walked into White House. lies Injured with gunshot wounds yesterday In Los a bank just as a robbery was taking place, police The prime minister said Angeles after a Shootout with police. Four police said. Two men fled and additional police were he was gratified by Carter's officers and two other men were wounded during a called and gave chase. The Shootout took place a endorsement yesterday of chase following a bank robbery, authorities said. few blocks away. "defensible borders" for Is- rael. But RaBin asked the President during a "working dinner" last night to "make sure that Israel's strength will allow It to defend itself by Itself." Effort pressed to junk Rabin attended the dinner after meeting with Defense Secretary Harold Brown. The PROFILES - Israeli Prime Minister Yitzhak Robin, President Carter, prime minister wants 250 F-16 Mrs. Rabin and Mrs. Carter stand at attention during South Lawn ceremo- air combat fighters and as- nies yesterday at the White House. Rabin arrived In Washington Sunday for surance the Carter adminis- a series of talks with President Carter and other government officials. rebate for cut in taxes tration will honor former President Gerald R. Ford's luctant to grant Israel's ting the night-vision tech- Rabin was smarting be- WASHINGTON (AP) - Outnumbered House Republicans 31 per cent of taxpayers who itemize deductions would get no promise of new see-in-the- request to supply some of the nology fall into adversary cause of Carter's reversal are hoping to pick up enough Democratic votes to junk Presi- benefits. dark devices for airplanes. F-16s and has been equally re- hands on a captured Israeli last month of Ford's corn- dent Carter's proposed 150-per-person rebate and give Ameri- As a substitute for the Carter rebate, the House Republi- The Air Force has been re- luctant to run the risk of let- jet. See Carter, page 2 cans a permanent tax cut Instead. can Conference wants to permanently cut tax rates across the Several Democrats share the GOP's distaste for the re- board, targeting the reductions on middle- and upper-income bate, but there is no Indication that enough will switch votes families regardless of whether they itemize or use the stan- to kill the rebate and hand Carter a major defeat. A similar dard deduction. Republican effort was defeated last month, 258 to 148. Under the GOP plan, 67 per cent of the money would go to The vote on the Republican proposal is expected to be the those with incomes under $20,000; 11 per cent would go to per- Solution of city legal staff last preliminary question before the House was to decide late sons earning more than $30,000 a year. today on a tax cut aimed at stimulating the economy. House This would result in a $121 tax cut for a single person approval of the tax-cut package would send the measure to earning $10,000 a year; a $185 cut for a family of four earning the Senate, where the Finance Committee scheduled hearings $15,000, and a $250 cut for a four-member family earning on the plan today. $25,000. problems expected tonight The rebates for an estimated 200 million Americans- are Why a permanent tax cut instead of the rebates? the key element of Carter's tax-cut plan. - "Give somebody $90 and he'll spend It on something cost- By ANN BRENOFF At Friday's meeting, Mayor Carter also wants to raise the standard deduction, which ing $50 or maybe $100," reasons a House Republican aide. Cioffi proposed that Robert would mean a permanent tax cut averaging $105 for 45 million "But give him a permanent tax cut - something he can count LONG BRANCH - Despite' Mauro, who has served as couples or individuals. Some 88 per cent of the tax cut would on for a long time - and he'll buy a car or some other big its earlier objection the City city attorney for seven years, go to families or persons with incomes under $15,000. but the purchase that will really help the economy." Council is expected to ap- prove the contract of Richard be named as municipal judge Bonello as city attorney at to replace Judge Jacob Rand. tonight's council session. Judge Rand was named as at- City sources Indicate that torney for the Board of Edu- Mayor Henry R. Cloffi will cation last week. Library crowd limit upped propose Mr. Bonello as city In a surprise move, how- attorney and receive council's ever, Mr. Mauro declined the approval of his contract. The t nomination and expressed his council consent for the nomi- Intention to remain city at- ' after error in calculation nation is not necessary, al- torney. though a council majority In view of Mr. Mauro's dis- must sanction the attorney's interest in the judgeship, By CAROL JACOBSON the 13 uniformed policemen ance Sunday, Jan. 24. John H. Livingstone jr., li- from the county's Emergency Police said parfced-fars on brary dirfcTBrTWid if the contract. (which also carries a $28,000 SHREWSBURY - The Police Force at the. door. Sev- snow covered streets behind weather permits 300 cars can It is also expected that the decrease In pay), the council borough's fire marshal has in- eral other volunteer police the library that day were be parked at the library, us- mayor will name Eugene la- adopted a resolution stating it creased from 406 to 896. the stood in the middle of Rt. 35 causing a safety-hazard ing the adjacent field. danza, a Long Branch at- would not name Mr. Mauro as number of persons that the directly overflow traffic to blocking the roads for fire Only three or four jazz con- torney with the firm of Gag- judge. •he Shi"- -••—;•»•• J r lc s or iars have liano, Tuccl and Kennedy, to Similar resolutions con- Monmouth County Library's ** * *fifSik.-^ l! emergency vehicles certs the past few yei 1 Hi int citv Richard B. AiMll Eastern Branch may accom- lot across the street 1? they were needed in the drawn more rhair V, 4fcM9&Tfc l *" "'" cerning the appointments ' modate for its Sunday after- At that lime Mr. Clark esti- residential area behind the li- 500 or 600 people. Most of the torney and city prosecutor. Mr. Bonello as city attorney noon jazz and classical music mated the crowd at close to brary. time. Mr. Livingstone said, Council consent is required and his law partner, Richard programs. X 500 people. By 4 p.m. he real- The crowd was estimated about 400 people attend the and expected to be received Ansell. to the posts of assis- Fire Marshal Alfred Clark izefl that there was still that day tt about 800. concerts unless the per- on Mr. ladanza's nomination. tant attorney and city prose- The Inside Story said he "miscalculated rather plenty of space in the foyer Since then the county Board formers are special. These appointments have cutor, were tabled until than conceded" the error. and In the reference room and of Freeholders said they Although the concerts are caused a stir among coun- tonight's meeting. THE WEATHER At the last Jazz concert on allowed the small crowd to would expand the library's free to the public, the per- cilmen since last Friday and Council sources indicated Mostly sunny and milder today aid to- Feb. 28, Mr. Clark and Law- come In. parking area which now holds formers are paid from grant have even resulted in a crimi- that the argument on council morrow. Complete report on page 2. rence Johnson, fire chief, re- Mr. Clark said then he was about 300 cars using the small money received by Mr. Liv- nal charge filed by Coun- concerned the proposed fee r stricted the size of the crowd acting under BOCA code field adjacent to the parking ingstone from the National cilman James W. Dennis that schedules for Mr Bonello and Nattoul NltrltlM Week IkMgkts .11 lot, Parking is also allowed on Richard G. Traversa, City Mr. Ansell. and Mr. Bonello's at the concert to 500 because regulations recognized by Endowment on the Arts, the Bridge Advice 17 DAILY REGISTER New Jersey hre officials. one side ot streets near the li- New Jersey State Council on Council president, allegedly background. of safety considerations BMtaWSI 7 PHONE NUMBERS However, sine* then, he has brary. the Arts and the freeholders. struck him during a heated' At present, Mr. Bonello is Approximately 35 persons CuunifM 13-11 iwn uiim i measured the square footage After the disruption Jan. 24. Mr. Clark said he was unde- discussion on Friday on the municipal attorney in Eaton- were stopped from entering Comles 17 Toll Free tnUM of the large room where the the freeholders said they cided about attending the matter. A court hearing will town and Sea Bright. the concert, but were later Crossword Pwile 17 ToB Free MM1H concerts take place and more would send county policemen next concert Sunday March 20 be held on this charge on The councllmen, it ap- allowed to enter for the see- Editorials ..i ( CuuaUMDept MJ I7t$ than doubled the crowd limit. to the flext concert to direct from 3 to 5 .p.m. Big Joe March 15. See City's, page I on* htU «t the. show. This Entertainment, TV It nrralallM Dtpt $4X-4Mt overflow lra}))c >/> >>>P Tomer, a veteran WBPS sing- was reportedly the first time The parking problem and Vriltmtab Sports D«»t....- H2-4W4 Shrewsbury Shopping Plaza er from Kansas City, whose Now In progress. Shirley Hmmpt 17 that the size of the crowd was the seating limit came to Mr. Don't miss our monthly Pa- Lifestyle II MMdletowa Bmeaa 171 rW Clark's attention after parking lot across Rt. 35. The engagement at The Cookery Shop, 37 Broad St.. Red Bank. restricted In the three years rade of Homes, Sun. Mar. 13. Make A Pate It FreekoU Bireaa 4O-I12I borough police-threatened to concert goers then walk the in New York several months that the concert programs Barnacle Bin's Deadline Wed. Call Classified OWmrles 4 Ltag Braack Bireaa ..BMIll stop the Alvtn Alley Dancers one-quarter of a mile on Rt. ago, was considered a major Display for your reservation. have been held. Open for lunch and dinner 7 sports :: ii,i! SUIekoue Bireai HMI1 *3H Mr. Clark stationed one of from finishing a free perform- 35 north to the library. jas event, is scheduled. days a week. 747-9890. 5424000. SHREWSBURY, N. 1 TUESDAY. MARCH 5.1977 R-FH administration study set (Continued) turns out," Mr. Barnes said. be held In the Senior Com- sue should be brouqht before The atite board said the "But even if that plan is ille- mons at 8:15. The seven can- the public and also called for teachers could not be consid- gal, there must be others that didates for four spots on the a study to collect facts about ered retired as long ai they could be devised that would board are expected to attend. the structure and finances of continue to receive any com- be acceptable." Mrs. Tora Doremus, the Rumson-Fair Haven in com- pensation from the board-of The Issue of retirement bo- only member of the hoard to parison with other school dis- education, including the nuses, and administrative res- voff against adoption of the tricts in the county and state. bonus. tructuring in general, is likely budget, on the grounds that it Henry Hohorst, a board "Well, of course we'll have to be one of the topics at was too high, said she agreed member, also said he thought to wait and see how that tonight's candidates night, to with Mr Bames that the is- it was "time the situation was aired." "We really aren't in such bad shape." he said. "Statis- tics show for example, that as Carter sets another far as the number of staff members per 1000 students. 68 per cent of the schools in the state have more teachers than we do. If we make these meeting with Rabin facts known then maybe we can put this problem behind (Continued) other Kfir decision. East settlement includes "de- us." CONCORDE SHOWDOWN SHAPING UP - Donald Manes, left, president mitment to sell Israel con- When the State Department fensible borders" for Israel. James T. Buckley Jr.. J*ka M. Banes of the Queens Borough of New York City, and Dr. Arthur I. Rosenthal, of cussion bombs and over Car- vetoed the plan for Equador. The President gave the as- board president, said that Woodmere, N.Y., outline reasons for their opposition to the landing of the ter's veto of Israel's request it cited U.S. policy "against surances in a welcoming "whether you call these men the, administrative structure, SST Concorde at Kennedy airport during news conference yesterday. to sell 24 of its Kfir jet fight- the sale of advanced and so- speech for Rabin and added assistant superintendents or with less personnel, in the fu- Manes, In whose borough both La Guardla and Kennedy airports are lo- ers, powered by U.S. engines. phisticated aircraft to Latin that permanent peace entails something else, the point is ture. cated, denounced the SST as 'an environmental disaster.' to Ecuador. America." It said it would "a sense of security about that they are performing He also asked board mem- consider any other Israeli this young country in the fu- functions that must be per- Pentagon officials said they bers Herbert McNulty and requests to sell the Kfir orr a ture." formed." Dr. Alfred Thompson to begin didn't expect Rabin to make case-by-case basis Rabin told reporters: "I But he added that he would Lectures any new weapons requests, collecting data for the board's Today's meeting between was very pleased to hear it." like to see a "streamlining" first public discussion of the but Israeli Ambassador Sim- Rabin and Carter was not on But Vance said afterward: of operations and passible re- cha Dlnitz has said his coun- issue at its regular meeting on marine the State Department's origi- "There's no change of posi- assignments of jobs within next month. try is looking for a replace- nal schedule for the prime tion by use of the words 'de- WORLD studies set ment for the concussion minister's visit. But White fensible borders' There was bombs By JIM OSTROFF House Press Secretary Jody no geographical connotation, SEA BRIGHT- The Sea Rabin also is believed to Powell said yesterday after- and it is not inconsistent with Bright Marine Education have discussed implications noon that the third meeting our position" on the UN. Foundation (SBMEF) will be of the decision to stop the "has been a possibility all Security Council resolution tyritaiu to get tough on Concorde offering a month-long series sale of Kfir fighters. Nation- along." that calls for a negotiated set- WASHINGTON - British Prime Minister James Callag of lectures on marine studies alist China is said to be con- He and Secretary of State tlement of the Arab-Israeli han, who flies here this week aboard a Concorde jetliner for beginning today. sidering the plane to replace Cyrus R. Vance also tried to conflict. That resolution as- talks with President Carter, will stress British determination its U.S. made F 104s. If it minimize the significance of sures all Middle East states to land the supersonic airplanes at U.S. airports. The SBMEF. a non-profit chooses the Israeli plane. Carter's assurances that his "secure and recognized Diplomats here say both the British and French govern- group that annually sponsors Carter will be faced with an- concept of an overall Middle boundaries." ments will demand a full 16 month demonstration program at the Sea Bright Cup Race, will New York's Kennedy Airport, where local officials have bar- commence the lectures today red the Concorde. with a discussion on "naval President Carter told the British and French heads of architecture" by Halsey Her- Law student announces state last month that he has no power to order the Port Au- reshoff at 8:15 p.m. at the thority of New York and New Jersey to permit trial landings Barn Theater, 102 Avenue of at Kennedy. Two Rivers, Rumson Callaghan's flight here tomorrow aboard a Concorde is Subsequent lectures, also candidacy for Assembly being viewed as a symbol of his intention to discuss in tough held at the Barn Theater, will COLTS NECK - Fred Nie- people having less money to wasteful government spend- terms the implications of any permanent ban on the super- feature Charles Ulner and spend," he said. "New Jer- sonic jetliner. Owen Torrey. the well-known mann, 23, a law student, yes- ing can be reduced and the terday announced he will seek sey's oppressive tax structure tax rates lowered." British sources say Callaghan will not make any threats, sail makers and ocean racers, means less money for in- A 1975 graduate of Mercer but he already has made clear to associates thai he feels the on March 23. a Republican nomination for the Assembly in the lllh dis- dustry, resulting in lower University in Georgia, where effects of a ban could seriously affect U.S. British and U.S.- On April 6, William Robin- profits and lower wages for he graduated magna cum French relations on a range of issues. There could be repris- trict. son of Rumson, editor of Mr Niemann, 11 West- Its workers." laude with a degree in politi- als, for instance, against U.S. airpineS using British and "Yachting Magazine." will High taxes would force in- cal science, Mr. Niemann French airports. minster Drive, declared his talk about cruising, racing candidacy in a letter sent to dustry out of the state, result- now attends Delaware Law and last summer's Op Sail ex- members of the Monmouth ing in a loss of many jobs, he School, a division of Widner Quake toll up to 1,085 travaganza. County Republican Steering asserted. College. He works in the sum- On the same day, Robert Committee. Mr. Niemann also proposed mer as a clerk tor Herbert BUCHAREST, Romania (AP) - As rescue teams press Bavier, a former America's The district now is repre- more efficient reorganization Lawrence, an Asbury Park their increasingly futile search for survivors amid the rubble, Cup skipper and publisher of sented by Assemblywoman of state government. He said attorney. While attending the official toll in the earthquake that battered the Balkans - Marie Muhler, a Republican, the answer to greater state Mercer University, he worked Richard Malo, of 70 West Roose- ' last weekend has risen to 1,085 dead and 6,405 injured. Yachting Magazine, will talk about prime contenders for who is interested in the nomi- fiscal responsibility is greater as a legislative assistant to velt Circle, Middletown has been se- Agerpress, the official Romanian news agency, reported the 1977 America's Cup. nation for the Senate seat local responsibility. the Georgia General Assem- 810 confirmed dead in Bucharest, the Romanian capital, 224 Sen. Alfred N. Beadleston, R- "We in our townships and bly in 1974. lected as "Carrier of the Week." He elsewhere in the country, and 0,185 injured. A S3 fee will be charged for Monmouth, will retire from at counties should decide what If elected to the Assembly. attends the 8th grade at Thompson Officials in neighboring Bulgaria reported 50 deaths in the each lecture, or 15 for all the end of this year, and As- should be done and how it Mr Niemann said he would quake last Friday night and 120 Injured, while one death and three sessions semblyman Walter J. KHZ- should be accomplished." he transfer to Rutgers Law Jr. High School in Middletown. He 100 injured were reported in Yugoslavia Further information can be ktskl, a Democrat. said. "Through home rule. School. enjoys model ship building and col- Officials have said 6,185 persons were injured in Romania, obtained from Una Copenha- Unemployment and high lects model trains. Richard delivers and at least 120 in Bulgaria and 100 in Yugoslavia. ver, foundation president. taxes are the major issues Western diplomats estimate that the dead in Bucharest 1184 Ocean Ave., Sea Bright. facing New Jersey, Mr. Nie- to 46 daily and Sunday customers. N.J. 97760 could total 4,000 by the time the work teams finish digging mann said in making his an- His future plans include attending through the ruins of 32 apartment buildings and other struc- nouncement. He said New City's legal staff tures that were leveled. Jersey has one of the highest college. Heimbold per capita tax burdens in the United States and called for approval expected lifornia may ration water criticizes Immediate repeal of the state LOS ANGELES — Statewide water rationing may be im- income tax. ' (Continued) will be approved for Mr Bo posed if voluntary conservation efforts fail, Gov. Edmund G. "These high taxes mean peared on Friday, would not nello and Mr. ladanza Brown Jr. warned at the opening of a two-day conference Danskin high unemployment with approve these two appoint- The fee schedule for Mr here on California's devastating drought. MONMOUTH BEACH - ments and expressed resent- Bonello proposed last Friday DO YOU WANT TO BE A CARRIER? The state faces a "disaster of immeasurable magnitude," The Republican municipal Man is arrested ment that the mayor hadn't called for a 112,500 retainer If you art 12 part ol agt or oldtr and would Ilka to bt- he said. chairman here. Joseph L. consulted them first. The only fee to be applied against (175 comt a Rcgltttr ntwspapw Carrier, call $42-4000, or "Conservation is an absolute necessity for the continued Heimbold Jr. has criticized in Long Branch councilman to support the per appearance on the city's 583-5210, or complete the following application and the county GOP chairman, mayor's appointments was behalf. mall to Th. Dally Hegl.ter, On* fltglittr Plait, Shrews- economic viability of much of this state." Brown said yes- LONG BRANCH - Michael bury, NJ. 07701 terday. "I'm asking you to conserve, to ration when neces- Benjamin H. Danskin, for Mr. Traversa. The fee schedule proposed "telling half truths, mis- G. Harper, 24. of the Foun- for Mr. Ansell called for a flat sary, to allocate where appropriate, but above all, to make tains Motel, 160 Ocean Ave.. In an apparent com- do." spending Republican county rate of $175 per appearance. funds, and making closed was arrested by police here promise, however, council Municipal court meets twice He told the meeting of about 800 state water officials, ag- early today and charged with sources indicated last night riculture and industry executives and community representa- door commitments without weekly —which would have giving qualified candidates a atrocious assault and battery that at least a majority of the brought Mr. Ansell's total tives that he has the power to impose rationing if he declares and possession of a concealed council (Mr. Dennis is ex- a state of emergency. chance to be heard. contract near $17,500. The for- weapon after an incident at pected to vote against or ab- mer city prosecutor, Frank "Danskin's letter to all the motel. stain on the appointments) Fasano. was paid only 17.000. DATE OF HATH Raiders slay 3 policemen committee personnel regard- Harper, who was arrested will approve Mr. Bonello's It Is expected that there ing his rationale for support- near Fifth and Broadway at contract. may be some attempt by the GRADE IN SCHOOL MEXICO CITY — Three police officers were killed yes- ing Ray Bateman costs the 2:10 a.m. after a police alert Instead of Mr. Ansell's ap- council to increase the exist- terday when four drug dealers attacked a police station in Republican Party a couple of was broadcast, was also pointment, it is expected that ing fee schedule. Mexicali, on the California border, in an unsuccessful attempt hundred dollars In mailing charged with possession of the assistant attorney and to free the wives of two of them who were under arrest, the and administrative costs." less than 25 grams of mari- city prosecutor's posts will go attorney general's office said. siad Heimbold. "and we can't juana. to Mr. ladanza The four men escaped in two automobiles; but witnesses afford to waste much monies Police declined to give fur- It is also expected that a said all of them were wounded, a press statement reported. It on personal conflicts between ther details until later today "reasonable" fee schedule said troops and police closed all exits from Mexicali. our county chairman and gu- We'// replace The two women under arrest are Cecilia Bernal de Reyes bernatorial candidates. If and I.uz Aguilar Medina, the wives of Fernando Lopez Fer- Danksin wants to set the record straight, then let him WORD all your nandez and Manuel Salas Garcia, the announcement said. t4 The names of the other two men who made the attack do it on his dime: not Re- SLEUTH were not reported. publican funds." windows PHOLDINO, WAYTHWO nowl Weather: Sunny, mild SUSMCSGSOORIYHT There is a Thermal-Card in- |J Mostly sunny and milder snow at higher elevations. West: Anchorage 12 clear. C NS C Y E C H B " sulated window to reploce any lioday. high in the low 50s. Rainshowers and occasional Denver 42 partly cloudy. Des type of window In your home— ;'/.'lear tonigbt. low around 4ft. ,.„„.. •"-S)lie*jc<)StinuiMl in Moines 42 partly cloudy. Fort T 40 T T G B H T mMoiitii the time to do it •^Tomorrow sunny and mild# New England.^But showers Worth 47 clear, Kansas City —before the cold weather sets In. to 60 Outlook (oT over south Florida dis- 50 clear. Los Angeles 55 ^Thursday: Partly cloudy and appeared soon after midnight. cloudy, Minneapolis-St. Paul U D W L A 0 0 I 0 THERMAL- GMD's exclusive one •;5nild. Skies were nearly cloudless 28 clear. Phoenix 67 cloudy, inch imulqtlni thermal barrier >• Winter was still a problem from the Southwest through St. Louis 4$ clear. Salt Lake 0 E 0 R H H D 0 A KEEK OUT COLD IN WINTER, !*n the Pacific Northwest the Southeast, as well as from City 48 cloudy. San Diego «l KEEPS OUT HEAT IN SUMMER. )£tnday with a winter storm the Plains through the Ohio cloudy. San Francisco 53 '^warning posted over western Valley and Great Lakes cloudy. Seattle 44 showers. TSCWWL-WTD Oregon and locally heavy Early morning tempera- Canada: Montreal 23 clear. NOScrapinf, NO Cracking, NO INo Da |fcnows expected in the Cas- tures ranged from 21 at Ala- Toronto 27 clear. T S 0 S 0 T I I A _ Peelinj,NOWorplnj,NOPuttylrM>. SHOPA THOME SE ft VICC •Jcade Mountains. mosa, Colo., to 68 at Home- !' Strong winds and high seas stead and Key West, Fla. TIDES USYHSTKWONEDRUH ,'fraisrd the threat of coastal Some other reports: Sandy Hook {{flooding Ihrough western East: Boston 37 clear. Chi- TODAY - High 10:03 p.m. BAOHBOGR EAT SCOT !»Washington and Oregon today cago 38 c|ear. Cincinnati 30 and low 3:52 p.m. |«as the storm system pushed clear, Cleveland 26 clear. Det- TOMORROW - High 10:24 Our cuilomtn bclitre idol THERAW-GARD Is the onsww lo rour old window ^inland Gale force winds pro- roit 24 clear. Indianapolis 29 STSENTOO'FYMOSGA • problems-Set for pM/rje/f-fcnd for FR££ Illtralure ond oholn prices. Wt on a.m. and 10:56 p.m. and low * I oWljoirt-iwt )w,r iOspyngN1976.Mar|oSyilen«.lnc •Jduced sea swells of 16 to 22 clear. Louisville 33 clear. 4:21 am and4:37p.m. Yul.rd.y'i unllilfd clue: PEEKABOO irtetl an4 taov*to Udes uy> two Miami «7 cloudy, Nashville 34 Far Red Bank, and Rumson FIND the Mlted woidl In Ibc dUiram. Th«» run in .1] si I. v»w. _it« ;HO three feet above normal. clear. New Orleans 42 clear. bridge, add two hours: Sea dlrKUaar-lormrd. tucknrd, up. torn *IH> dilD J Rain was scattered alohg New York 36 clear. Phila- Bright, deduct 10 minutes: Unliiud olu> him: WORD TO THE UNWANTED «he northern Pacific Coast delphia 32 clear. Pittsburgh 28 Long Branch, deduct 15 min- What'iup Nowiy Beat it Thtt'ithit ;»and extended into the north- clear, Washington 42 partly Butt out Doggone it No deal Get lost utes; Highlands bridge, add Hold it My goodness No kidding So whit ern Rockies with scattered cloudy. 40 minutes. My foot Siyi who Oh boy or Cof/CoffecSend Coupot n (201)381-1200 Jury hears first testimony SHREWSBURY. N. J. TUESDAY, MARCH 8, 1977 "The Dtaly RcgfeaET 3
in 5th day of lawyer trial IOWTINOW - •»•" -
By BARBARA KATELL as evidence will not be com- As a result of the telephone would probably be found pleted until today because of conversation and an alleged guilty, but Rosen said Reis- FREEHOLD - Yesterday, the unavailability of one final discussion on Aug 14,1875 be- berg would testify Tommy the filth day of the trial of a witness yesterday. tween Rosen, and the Cra- had permission to park on his Matawan Township attorney However, Judge Arnone de- vers, Rosen is charged with lawn If he was still found on charges of attempting to cided to let the jury hear oth- two counts of suborning per- guilty, Rosen said he was get a Cliffwood Beach teen- er testimony In the case pend- jury and two counts of at- sure the fine would be paid." ager to give false testimony, ing his ruling on the tape. tempting to obstruct Justice. Craver testified that he the Jury finally heard the first Tbe tape was made by turned down the alleged deal. prosecution witnesses. Brice Craver Jr., Cedar Craver, the state's first wit- "Reisberg then said If I Selection of a jury to hear Place, Cliffwood Beach, on ness, said that he first spoke didn't go along with it, he the charges against Louts Aug. 28, 1(75. It purports to to Rosen and Reisberg in the would sign another complaint Rosen, the attorney, of Van be an accurate recording of a parking lot of the Matawan against Tommy for damage Brackle Road, Matawan phone conversation between Township Municipal Building to his lawn," Craver contin- Township, was completed last Craver and Rosen. where he had accompanied ued. Wednesday morning. In the conversation Rosen his son, who faced Municipal Craver said he still refused But since then the Jury has allegedly repeated a sugges- Court charges of careless to "let Tommy perjure him- been out of the courtroom tion that Thomas Craver, driving. self on the witness stand." while Superior Court Judge Brice Craver's son, offer alle- The charges fon allegedly Craver said he reported the John P. Arnone heard argu- gedly perjured testimony In a driving on Relsberg's lawn alleged incident to the Mata- ments on admlssibillty of a trial for assault In which the and the assault charges wan Township police several tape recording of a telephone youth was supposedly the vic- against Reisberg both days later after he had In- conversation. tim and Melvin Reisberg, stemmed from a fight at a quired of them whether Reis- Prosecution arguments that Deborah Lane, Matawan party held in early July at a berg had entered any addi- the tape was not tampered Township, a client of Rosen's, home next door to Reisberg's. tional charges against his son. with and should be admitted the assailant. Craver testified that in the As a result of the conversa- parking lot conversation, tion with a township police Rosen "mentioned all this detective, Craver said he was was silly, a big mess and a sent to the county detectives jumble, and he'd like to see it in Freehold on Aug. 28,1975. all thrown out of court." Members of the county de- According to Craver, Rosen tectives equipped him with a then suggested that since the tape recorder and an attach- RACEWAY STRIKE—Members of porl-mutuel today In the strike which has halted racing at the STATE arresting policeman refused ment for his phone so he Clerks Union picket In front of Freehold Raceway harness track. to drop the charges against could record both ends of a main gate yesterday. No talks have been set for ,. either Thomas Craver or call, Craver testified. He Reisberg, Thomas should tes- called Rosen at home early Court won't remove Feldman tify in the assault case that that evening and taped the he was not afraid and no bod- conversation. Bus service protest eyed NEWARK - A Superior Court judge ruled state Senate ily harm was meant when he Craver is slated to continue President Matthew Feldman, D-Bergen, should not be re- was allegedly grabbed by his testimony about the phone moved from his leadership position because he pleaded guilty Reisberg. conversation, and face cross- to commercial bribery charges last year. "Rosen said that if Tummy examination by Charles Judge Charles S. Barrett Jr. said yesterday the U.S. Con- would do that, then, in turn, Frankel, defense attorney for by Matawan Twp. officials stitution specifically creates three branches of government. he would represent Tommy in Rosen, after Judge Arnone He added the judiciary should not Interfere with the legisla- court, (In the careless driving rules on admlssibillty of the tive branch unless it is "absolutely imperative." case)" Craver said. "Tommy tape recording. MATAWAN TOWNSHIP - the governing body to use the He said the buses are dirty, "They keep telling us of the Barrett said the Senate's decision to re-elect Feldman as The Township Council agreed line, accused the company of have no heat in the winter new buses that they're get- president "should not be set aside by the courts, which must last night that at its next "not adhering to their sched- and no air conditioning in the ting, but they keep giving us act with restraint and reluctance." regular meeting it would con- ules" summer. the oldest of the old ones." he Henry McNamara, a Republican councilman in Wyckoff, Bateman urges sider a formal resolution con- added. filed suit in Bergen County seeking to strip Feldman of the demning the Transport of Mayor Edward E. Kaufman Senate presidency. A judge in Hackensack ordered the New Jersey (TNJ) bus com- PBA files charges Injected that-he was a bus change of venue because Feldman pleaded guilty in Newark. action to protect pany for providing poor ser- commuter back in 1(63. when vice to township commuters he first moved to the town- and demanding an immediate ship. upgrading of the line. against Sea Bright Preferred hiring of veto upheld f\Of*an 1*aPttmil*f».Ptt "II seems the complaints TRENTON —- Veterans ca
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36 MONMOUTH STREET, RED BANK, N.J. RED BANK 741-0*83 30 Broad Street mmi FfMMl SAVING) AW LOAN INSURANCE CMP. DOZEN MONMOUTH MALL 89 to Limit QuantltlH The Daily Register Taxpayers paid ghostwriter notes wryly: "The require- EsUMUhed In 1171 - Pvblfched byTfetltd Bank RegMer Smith has a skleUne; he to a • ty JACK ANDERSON ment for balance is, at best, per cent partner In the public Urf LBS WRITTEN subjected to widely varying relations firm of Smith and ARTHUR Z. KAM1N WASHINGTON Interpretations." In the convivial atmosphere Harroff. Rhodes retained the of the Home, It la the Chris- firm last year to handle the For example, U advisors President and Editor „ tian practice that only those SCENE advertising for his reelection have been appointed to advise without sin will cast the first campaign. For its efforts, the the Federal Power Commis- Thomas J. Bly, Executive Editor William P. Sandford, Associate Editor mudball Republican leader firm was paid |1!,500 in fees sion on the Impact of the nat- John Rhodes startled his col- and commissions 'from the ural gas shortage. "Apparent- leagues, therefore, by flinging' dictated the material; then congressman's campaign col- ly." states the report, "the I TUESDAY. MARCH B.I B77 only consumers being consid- mud at Speaker Thomas P. Smith rewrote it. lection. Smith has renounced ANDERSON West Germans collect half million O'Neill Jr. last year. "The talented Smith was any Income from the firm ered by this committee were Now It has turned out that paid, however, not by Rhodes while he Is working for the mittees. The subcommittee Industrial consumers." The for U.S. winter victims. (News item) Rhodes was not without sin but by the taxpayers. Smith government, but he still has a found (1 committees, tor ex- investigators found only one alter all. He attacked Tip appears on the public payroll stake In its welfare. For half ample, advising the govern- appointee from a public inter- O'Neill In a book that was as a gl.Mt-a-year recipient of the company's assets will ment what to do about est group; the other S came largely written by a House of the taxpayers' largesse. revert to him when he leaves energy. These committees from corporations or govern- employee. Thus the taxpayers Yet Rhodes collected the full the federal payroll. were split Into a multitude of ment agencies. subsidized the scathing prose, t8.N0 in royalties. subcommittees and task The few consumer repre- but Rhodes pocketed the roy- Smith told us that his boss Both Rhodes and Smith con- forces, all contributing advice sentatives who are admitted alties. generously offered him part tend that their actions didn't on the same subject. The to- to the advisory circle are sel- The aforesaid book, "The of the royalties. The ghost- violate the House ethics code tal number of advisory units, dom heeded. The executive Futile System," portrays writer turned down the offer in effect last year or the according to a careful count, advisory committee on the O'Neill unflatteringly as a presumably because he had tougher new code adopted exceeds SO. National Gas Survey, for ex- last week. This depends, of blustering partisan. This already been paid adequately The advice that comes from ample, brought in some pub- course, on the definition of a deeply offended O'Neill who by the taxpayers. these 250 units, however, Isn't lic-interest people. But the ad- kickback. expressed his indignation This raises an Interesting as confusing and conflicting visors, according to the re- characteristically with a roar legal question. It is against TOO MUCH ADVICE: Our as might be supposed. For the port, "were urged to keep of outrage from the House the law for a congressman to federal administrators re- Senate investigators found 'dissenting opinions' which floor take kickbacks from his em- ceive altogether too much ad- that thi government had might emerge from 'the di- The short, dapper Rhodes ployes. If Instead he takes the vice, most of it bad, from a loaded the committees with versity of membership' to a played the matador to the proceeds from an employe's bewildering assortment of ad- advisors from the energy-In- minimum." snorting, bull-Ilk* O'Neill. public service, dees this con- visory committees. President dustrial complex. Not surpri- The advisors who examine "The gentleman from Mas- stitute a kickback? Jimmy Carter promised to singly, these advisors agree energy policy questions in- sachusetts," responded In an anguished interview, clear out some of this bureau- overwhelmingly upon mea- variably come from such cor- Rhodes deftly, "will find Smith Insisted there had been cratic underbrush If he made sures that would benefit the porations as Exxon and Con- some very interesting reading no Impropriety. He acknowl- It to the White House. Within industry. solidated Edison. Exxon was In that book." edged that he had worked on 30 days of his arrival, he Apparently, it makes no dif- represented on IS advisory Now it Is the Speaker's turn' the book during office hours, created four new advisory ference that the law requires committees. Consolidated to call Rhodes' attention to but he said he had also la- committees. the membership on advisory Edison on 10. some interesting reading. For bored over it evenings and This disturbs the Senate committees to be balanced; The total bill for all this we have learned that Rhodes weekends. "I put In my 40 Subcommittee on Reports, all points of view are sup- dubious advice, according to used a ghostwriter named J. hours for the government," Accounting and Management, posed to be represented. In a the best available estimate, Brian Smith to put the book. he said. which has tried to keep a report not yet released to the may run the taxpayers over Into literary form. Rhodes There is more to the story. check on advisory com- public, the subcommittee 120 million a year. Organizing the military MiiiiiiiNiiiiiiiiiiiiiiiiiiHiiiiiiinitiiiiiiilllll By JAMES J. KILPATRICK trimmed. Officers are in- The armed forces traditio- creasingly vexed by what nally and constitutionally President Carter trotted CONSERVATIVE seems to be a steady curtail- have operated under different around to the Pentagon last ment of their fringe benefits. obligations and different law. week for a question-and-an- In civilian life, these are Military service Is inherently swer session with defense em- VIEW among the issues an Industri- authoritarian; It cannot be ployes. He was asked about al union would deal with. It is made democratic. Illlllll II IIIIIIIIIHIIIIIIIIflllllltllMlllllllllltM unionization in the military smaU.wonder that the AFGE, Fortunately, the proposition forces. one's fancy, Mr. Cortright enchanted by the prospect of appears to command little The President said: "My oys, "unionism in the Ameri- twu million dues-paying union public support. One public members, amended Its con- own opinlwi, which Is strongly can military has become a opinion poll, cited by Senator stitution to authorize the for- held, is that it would not be pressing issue." KILPATRICK Thurmond in his AEI argu- mation of military locals. advisable to have the military The prospect may strike ment, finds 82 per cent of the personnel unionized." The most Americans as fantastic Acknowledging all this, nate, it is hard to see a stop- people opposed. A recent sur- President said he knew of.no — it strikes me as disastrous most observers probably ping point. If military unions vey of 93C members of the Air strong move in this direction; — but military unionization is would regard the move as un- can negotiate a 40-hour work- Force indicated that only M Shellfish waters opened no labor leaders had ap- far advanced in Europe and thinkable. Granted, citizens week with extra pay for over- per cent of the enlisted per- proached him about it; he in Sweden. Writing in the De- do not give up their'First time, as they have in several sonnel and 16 per cent of the A bit of pleasant news came out dergo a depuration process to had no plans for sponsoring fense Review of the American Amendment rights when they European countries, they can officers would Join a union. of Trenton last week when Gbv. cleanse them of possible impurities. legislation to forbid union- Enterprise Institute, Mr. Cor- volunteer for military ser- negotiate Just about anything. Half of the Air Force re- ization, but if the proposition tright ably sumn arizes the vice; they are free "peace- "Move out!" cries the'cap- spondents said they believed Byrne announced that about 1,600 seemed to be heating up. he ably to assemble and to peti- William Eisele, supervisor of arguments in favor of mili- tain. "Let's take that hill!" unionization would hurt dis- acres of bay waters off Ocean Coun- would attempt to engender tion the government for a shellfish control in DEP's Division tary unions. Senator Strom "No can do," says the stew- cipline and decrease effec- ty are to be reopened for shellfish public support for his posi- Thurmond (R-S.C.) argues redress of grievances." But it of Water Resources, says the water ard of Local 507 "The men tiveness. harvesting. tion. with equal fervor against is preposterous to transform still have 20 minutes on their quality in Monmouth County has im- this basic tight into a right to Mr. Carter might be well them. I stand four-square lunch break; we have a union Mr. Carter may be right, At the same time, another 42 bargain collectively, to nego- proved in the past two or three advised to start engendering. with Senator Thurmond. meeting at 4 o'clock; and the and Mr. Cortright wrong, in acres of shellfish waters off Ocean tiate on working conditions, years since the Northeast Monmouth Last September the American The two advocates agree on members voted last night estimating the momentum to- County were downgraded from ap- and even — incredibly - to Regional Sewerage Authority went Federaion of Government this much - that troublesome against further overtime or ward military unions. The proved to condemned. That left a net strike. movement may not be grow- into operation, but the bacteria Employees (AFGE) specific- conditions exist among the weekend work for the rest of gain of 7,557 open acres. ally authorized military mem- ing at all. If so, Congress count of the water is still too high to ranks of both enlisted person- The advocates of military the month. Take the hill your- The state Department of Envi- berships. David Cortright, an nel and professional officers. unionism doubltess will soothe self." should act to prohibit union- remove restrictions on clamming al- associate with the Center for ization now, rather than a few ronmental Protection (DEP), which The enlistees and non-coms objectors by disavowing any The fallacy in the concept together. He attributed the high bac- National Security, reports are concerned with all the thought of interjecting union of military unionism lies In years hence when it may be has the responsibility of checking teria count to raw sewage and pri- that "an actual organizing .usual gripes over pay, food, democracy into policy deci- the notion that military ser- too late. Senator Thurmond and classifying the waters, reported has a bill mat says flatly, no. mary effluent which sweeps down drive may begin within a few housing, and even the length sions. But If the AFGE's now- vice can be equated with pri- that it is the first gain the state has months." Far from being any- dormant seeds ever germi- The bill ought to be passed. into Sandy Hook Bay from New York to which hair must be vate employment. No way. experienced in eight years. Overall, City, ground water runoff and ma- there are 281,552 acres of bay waters rinas. in the state .that are open to shell- fishing this year. A total of 73,447 We hope efforts by Assem- Give peace and Carter a chance acres remained closed. blyman Anthony M Villane Jr., R- The good news didn't include Monmouth, and others will bring a By NICHOLAS von HOFFMAN IIMIIIIIIIIIIIIIIIIIIIIIIIIIIHIIIIIIIMIIIIIIIIIIII tless liberals who had urged a out any agreement with you President Carter has been any change in the classification of halt to New York's sewage dumping. reconciliation with Commu- at all, of 10 per cent this year' saying, signaling and wig- nist China couldn't bring ... unilaterally ... we have That will do a great deal to help THE LIBERAL waters in Sandy Hook Bay and the wagging every which way themselves to congratulate to act in a big way, we have Navesink and Shrewsbury Rivers. In cleanse Monmouth's waters and to that he hopes and Intends to Nixon when he did it. Some- to dismantle this." those areas where shellfishing is per- restore our rivers and bay as one of cut a major disarmament SIDE thing of the same may be Such words from such a deal with Russia. happening-to Carter. mitted, the classification remains New Jersey's prime shellfishing tin iiiiiiiiiiiiiiiiiuiiniHiiiiiii man a decade ago were un- "special restrictive." That means areas. Progress toward that goal has So far, millions of us who We could be coming up on thinkable. It means that some have been concerned about our last chance to get any significant portion.of the high- that clams harvested there must un- been slow, but at least it is starting. Thus in retrospect, it is this question seem to be hear- clear that when Nixon used to kind of significant and true er circles have changed their ing him without under- talk about world peace and disarmament. If It turps out minds and are now recogniz- standing him. how he was working for it, he later that Carter doublecross- via HOFFMAN ing that what they once re- Land use in the county That may be because we really was. Now after three ed us, there may be time garded as the inane imprac- can't believe that a public of- years of drift under before the first rocket falls to the declaration of Cold War ticalities of the Women's The county Board of Freeholders ture capital investments of major ficial will say anything he Ford/Kissinger, Carter is ob- denounce him. for Harry Truman, said the Strike for Peace are the only has invited municipal officials to a state facilities. The county planners means In public. Presidents viously picking up where Thus far In the short, inter- same thing to Martin Agron- practicalities. meeting a week from tomorrow will explain the board's revaluation don't always lie or dissemble Nixon left off and pushing esting life of this adminis- sky on public television. Every time Carter opens forward the work of accom- tration, the only big, con- night in the Hall of Records in Free- of a 1970 general development plan in public, and even those who "... We have missed op- his yap he sticks in a plug for do, like President Nixon, modation and disarmament vincing noises have been portunity after opportunity disarmament. Take him at hold. Land use and housing plans and how it relates to regional and lo- have also been caught telling begun by his predecessor. coming from polltlcans like ... to curtail at least this his word and take estab- will be the, major topics to be dis- cal planning. the truth. Will he be supported? Coun- Sen. Sam Nunn of Georgia proliferation of arms and also lishmentarians like Kennan at cussed. Freeholder director Harry Larri- who gets angry and starts the development of those their words. At the meeting will be represen- son Jr. has made a point of stress- spitting tobacco if he even fantastic amounts of overkill If Carter's going to succeed hears Carter has prayed for tatives of the Tri-State Regional ing the importance of the session. which both the Russians and with disarmament he's going peace in Sunday school. The ourselves now have ... I to have to have the vocal and Planning' Commission, the Metro- He said it is being scheduled in or- defeat of Sorensen for the suppose we have 25,000 to visible support of everyone politan Regional Council, New Jer- der to solicit suggestions on how to CIA job has been made to ap- 30,000 warheads today. What who wants It. sey's Division of State and Regional incorporate local viewpoints into the pear a victory for the war- In the world are we thinking The time hasn't come to Planning and the Monmouth County overall planning scheme. hawk party. of? My goodness gracious, we crack out the guitars again, Planning Board. We hope every municipality In With the air filled with have 7,000' tactical nuclear but ail of us In the rank u, NLIM I BIO ItO 11411% U%- % tions based on '74 returns (latest available). Fig- add the sales tax you paid on purchase of a boat, 34% • Vi C«rpTrl.SOIl 073 51% 51% 51'/,» % MoSI.col.S710 40 47% It* 47 — % medical expenses, $2,897 for taxes, $921 for con- u*r inn »7 1IH- 4 Ctkuml.lOlO II 47to 47% 17%- % NMAIrl JOS 71 II 11% 11%+ to ures are for adjusted gross Income. tributions and $2,2(2 for Interest. On incomes be- airplane, home (including mobile or pre- 44'-. H CnloWlHt 310 11% Uto !!%• % AtMLob 114 171I1H IIH MolCon SI 4 II 14 IM 14 In 1(74 deductions taken on adjusted gross fabricated homes) or materials you yourself Wliy.H»l» in Crt-M 7010.101 14% llto Mto- to NalOllll 40 7 2*5 254 M% 15to+ to tween $50,000 and $100,000, deductions averaged mt »4 CiiAIrl M 7 41 a 17* 17* NolfG Hi I 14 17H 11% 17%+ % incomes between $5,000 and 16,000 averaged $751 $651 for medical expenses, H952 'or taxes, $2,005 bought to build a new home (if the tax rate on A4*tiui.»a ai a%— to CMmpIn I I 511 13% Oto11%+ to No+Sn>10SI0»llt 14% II It • to 10* itM CHom»lm»l 471 llto llto for medical expenses, $631 for taxes, $312 for these Items'was the same as the general tales AlrPnxlHbl) H It IIV. it • v. Bto)+ to Motlnd 30 4 >• IH t* Ito. to for contributions, $3,871 for interest. On adjusted Mrca 1.15 7 M OxaaMl.10 t 153 llto llto 3VU- to NI5«mlc II 7S4 19V.19% It*. % 17% 274 tax rate, and the seller stated the sales tax sepa- • IIIIIU I HO 7| 11t7o to ClwuM 111 7 Ml M 37% J/'. MotlSII 150 t 31 41%41% 41%- to contributions and $78(1 for interest. On incomes gross incomes of $100,000 and over, deductions AIMC«t 114 II lltof to CNPntT 111 II 17* 17to17to- to Nolomal 40 S 1» IT'. AlcoMluKAUgLigi M Ul«l? W7 14tt a% a%-% between 3)6,000 and (7,000, deductions averaged averaged $989 for medical expenses, $12,361 for rately but included it in the total amount you tl4 7 OVItCfi I 43 5% 5% 5% N«vP» III S II 11 in* nto- % AllgPAllP w 1141 I m 274 1IH TlVt* H paid). AlHCh IJOIO 130 ChmUr 45< 4 194 »'* 19* ato« %' NEitgEI1.lt I 17 21 n« n* tfK for medical expenses, $«M for taxes, $323 taxes, $9,(30 for contributions and $12,074 for in- 454 454 41". to Citicorp H 9 709 19* 19%19% Ncwfflt I.40IS 141 171*ITto IT%+ % AlUMr in (\JW 41to . for contributions, $838 for interest. On incomes terest. Now what are the odds that your return will AllbClKII.M 1 571 17V, »H ClllnSv 3 I at IIVi 10% 10* NkiMP I 14 t US IS 14* 14* . 17 . H CMrkEIWol 319 39 30% 3t + % NortWnl 74 7 171 JOHKto 29'*- to Alcoo 1.4013 117 55% 54*% S4M between $7,000 and $8,000, deductions averaged Of course, the averages do not entitle you to be plucked for an audit? Below are your statis- CttvEl 114 9 15 33'/, 11% 33%+ to Norrlt 1 t * tl 47* 47*. to Amu I 751? ID 504 SO »to- H AMIAC I I NI4 Ckwox .5110 117 11% llto llto- to Norrliwl 1 34 14 14 $6M for medical expenses, $767 for taxes, $307 deduct these totals (but-if you are far below the tical chances of a field or office audit based on 2J% 214 J1H< to CocoColl.OOU 1104 77% 74% 71 - % NoAPhll.SO 7 10 3141,llto ato AHm •!«] 331% IW 11 - to for contributions, $011 for interest. On incomes each 100 returns filed. AmAIr S 74S CotoPol Ml] lit 15% H%15%+ to NorNOil 01 7 71 11449% 49%- to figures, think hard about what deductions you 114 IH I0H- V> Col6aill4 I 115 19* 19% !9to- to NaSIPwI.N t 103 MH a% ato« to ktrnoimw 171 444+ % between $8,000 and $0,000, deductions averaged might be overlooking). This table is NOT similar Thus, if you are an individual with no busi- 444 44% ComUEng 110 15 49% 41% 49 - to Northrp II II 47* 47Vi 47%- to AHM 110 Hi «>•» % AntCon 1.40 I II ComwE14010 519 30to »% a%+ % N*it«lrl 4510 71 14
By ANN BRENOFF O'Connor. for help, saying that his keys apparently tried to force the his band. Prison. An arraignment date sued a "plea for an Imme- take," Mr. Croddick ques- Police later identified the and wallet had been taken. priest to move his car by1 The two inmates, realizing has not been set, said police. diate investigation by the tioned, "to get the action that MARLBORO - The Catho- two prisoners as Robert Per- Father O'Connor was In his driving the Primka vehicle that they would not be able to Wise Is serving a five to commissioner of penal in- has been sorely needed for so lic chaplain at Marlboro Psy- ry, 21, of Newark, and Glenn car and drove it in the path of into the passenger side of the escape in the stolen car, seven year prison term for stitutions, Robert Mulcahey, long? chiatric Hospital Is credited Wise, 22, of Paterson. Both the Primka vehicle. car. The passenger door of leaped from It and fled on six counts of robbery. Perry Into the Incident and into the "Must we wait for tragedy by police with blocking the men are accused of assault- "I blocked their escape car, Father O'Connor's car was foot, police said. is serving a three to five year security procedures al the to strike within our commu- escape car of two Rahway Ing Eugene Primka of South making it impossible for them pushed In, he said, although They were later captured term for one count of rob- hospital and the prison camp nity when a convicted prison- Prison inmates who allegedly Amboy. to drive It away," he said. he was uninjured. Mr. by hospital police. bery, police reported. located on the grounds." er walks away from the raped a female patient and The pair allegedly raped a According to hospital secu- Primka sustained only minor Both suspects have been Meanwhile, Marlboro Coun- Mr Croddick charged in a grounds into our midst and assaulted a visitor before female patient and then as- rity police, the two inmates injuries, specifically a bite on sent back to Rahway State cilman John F. Croddick is- letter to Mr. Mulcahey that commits a crime against an being apprehended by police. saulted Mr. Primka in efforts "deplorable, frightening secu- innocent resident? The Rev. Thomas O'Connor to take this car and money rity conditions" exist at the "We not only request the said that he saw three men for escape. hospital. aid of the commissioner, but tumbling on the ground at ap- Both inmates were em- He also expressed hopes we demand it. We can no proximately 9:45 a.m. Sun- ployed at the hospital's food that Mr. Mulcahey "will see longer have our hands tied In day. service building. the seriousness of the situ- red tape, we need expedient "I recognized one of them The Daily Register Father O'Connor said that ation and attack the problem action; we need swift, thor- as a regular visitor who when he noticed the three with all the power his office ough investigations, and we comes every Sunday to visit men struggling on the ground, SHREWSBURY, N. J. TUESDAY. MARCH 8,1977 affords him." need them now," he con- his brother," said Father Mr. Primka was screaming "How much more does it cluded. Fifty Monmouth residents become American citizens By JOAN KAHN ship Committee, who greeted Road, (Italy); Johann Spangl, the new citizens on behalf of IB Myrtle Ave. (Austria). FREEHOLD - Junior Girl the association and presented Englishtown: Denlse-Claude Scouts from Middletown them with a copy of "Ten Ca- LeGoff, 28 Ryan Road Troops 38 and 248 were nons of American Citizen- (France); Leatrice Fermln among those watching natu- ship." Each also received an Tembrevilla, 24 Meriod Dr.. ralization proceedings for SO American flag from County (Phillippines); Aron Jab new citizens from IB countries Clerk John R. Florino. lonka, 6 Graystone Lane (Is- yesterday at the Hall of rael). Records. Mrs. Robert Goodberg and The scouts were present to Mrs. Edward Greaser Elberon: Ellas Joseph Le- fulfill requirements for their presented Daughters »i haf, 310 Park Ave. (Lebanon). active citizens badges and American Revolution Manual Fair Haven: Monique Marie also for their Steinbach Flag for Citizenship on behalf of Layton. 75 Hance Road, (Ca- Award patches. the Monmouth County Daugh- nada). ters pf American Revolution, Superior Court Judge Louis Freehold: Choy Lin Jung, and Mrs. Rhoda Yucht attend R. Atkins presided at the cer- and David Chong Hlng Jung, on behalf of Rep. James J. emony and led the newly both of 11 Three Brooks Howard. sworn citizens and their Road, (China); Ronald Ar- . guests In the Pledge of Alle- Following the ceremony, thur May, Margared Enid giance. Mrs. Allyn Heck, Superinten- May, David Michael May, all Judge Aiklns stressed that dent of Election and Commis- of 9 Braun Place, (Great Brit- In the 200 years of accom- sioner of Registration, con- ain); Emanuel Valsamts, 14 B plishment in' the United ducted voter registration of Institute St., (Greece); Au- States, the essence of our so- the new citizens. gusto Lucio Palermo, 87 Brockton Road, (Italy). ciety has been the family Monmouth County B'nai unit. Citing the resurgence of Brith and Tomar provided re- Freehold Township: Rafael Interest In family heritage freshments for the new citi- Lucas del Campo and Borja that followed the broadcast of zens and their guests. Ines del Campo, 14 Notting- "ROOTS" on nationwide tele- The new citizens are: ham Way (Cuba). vision, he encouraged the new Asbury Park: Rena Papa- Hazlet: Jane Patricia ALL IN THE FAMILY - Superior Court Judge Louis R. Aiklns con- citizens, as well as native datos, 514 Sixth Ave., Breen, 44 Virginia Ave. gratulates Andrew May, left, whose parents and brother became new citi- Americans, to preserve their (Greece); Un Cha Grant, (10 (Great Britain). zens yesterday. Sworn In as new citizens were David May, 20, second from family heritage: Sewall Ave., (Korea); Arts- Howell: Frank Giovanelll, 9 left, and Mr. and Mrs. Ronald May, all of Freehold Township. "I ask you not to forget tldis Kontzlalls, 703 Sixth Kingsport Drive, (Italy). your family heritage.. .write Ave., (Greece). Keansburg: Margaret Duf- Kung Lo, and Fred Jia Lin (Canada). Ocean Township: Steven It down. I encourage every- Belmar: Emmanuel Mihail fy, 1 Church St., (Ireland). Lo, both of 34 Wigwam Path, Morganville: Angel Manuel Bardakos, 1420 Rustic Dr. one here to take pride in his Gogomls, 9 Ocean Dr. Leonardo: Manuel Alvarez, (both China). Antonio Camllo, 3 Whitman (Greece); Anna Michael Nav- family's'roots'..." (Greece). 113 Burlington Ave., (Spain). roleon, 611 Carol Ave.. Matawan: Nicola Anne Hut- Road, (Dominican Republic). The Judge honored Mrs. Bradley Beach: George Keyport: Guiseppe Scotto, (Greece); Mikolaos Kara- chlnson, 41 Lakeridge Drive, Naveslnk: George Gregory Mary Westefeld. of the county Bardls, and Maria Bardis, 606 Green Grove Ave., (Italy): soulis, 1759 Raleigh Court, (United Kingdom). Sheridan, 4 Monmouth Ave., clerk's office, for her dedi- Park Place Ave. (Greece); Glm Foo Eng, 59 Chingarora (Greece). NEW CITIZENS — Gregory Sheridan, 8, left, of (Korea). Naveslnk, and Danny Gramas, AVi, of Mlddletown, cated work In the county Nat- Jill Leslie MacAlllster, 512 Ave., (China) and Mcolo Marlboro: Lidia Bandy Red Bank: Carlos Albero were among 50 persons from 18 countries who be- uralization Office. Monmouth Ave. (Columbia). Lodo, 65 Osborn St., (Italy). Abouid, 2 Evergreen Drive., Neptune: Rosa Destro, 503 Donadel, 321-7 Spring St., came new citizens yesterday. The two youngsters Also present at the ceremo- Clarksburg: Dorothy May Long Branch: Immacolata (Honduras). Green Grove Road, (Italy); (Argentina); Luigl Mellaci, 38 are seated on the lap of Superior Court Judge ny was Bertram J. Gaynor, Stlnson, Star-Route (Great Ciaglia. 138 S. Seventh Ave Middletown: Suzy Park Norman George Moodie, 203 Rector Place, (Italy). Louis R. Aiklns, who administered the oath to the chairman of the Monmouth Britain). (Italy); Rocco Zolofra, 42 N. Kim, 11 Butler Lane, Monmouth Ave., (Jamaica); Sea Bright: Margaret new citizens. County Bar Association's Eatontown: Franca Sandra Fifth Ave., (Italy). (Korea); Daniel Alexander Salvatore Scalpati, 1211 Ninth Spangl, 1201 Ocean Ave., Americanization and Citizen- Walling, 23 P Stoney Hill Manasquan: Nancy Ying Gromas. 51 Devonshire Court. Ave., (Italy) (Austria). New Ocean Twp. councilman takes seat By ROBIN GQLDSTEIN Councilman Garrity com- and James Jr., at 1240 Deal Fenton K. Hudson, township the council of "overbonding," collection workers. mented. Road, In the Wayside section manager, said that when the Councilman Benn reminded In other business, an ex- OCEAN TOWNSHIP - Mr. Garrity was appointed of the township. eight-year life span of the Mr. Schueler that not all of tended bidding competition James R. Garrity, former unanimously by his four fel- In other business, council trucks is considered, the least the bonded money would nec- for a 35-acre tract west of chairman of the township low coundlmen and garnered last night adopted a bonding expensive alternative ' would essarily be spent, with the Highway 18 ended with coun- Zoning Board of Adjustment, praise from both his col- ordinance for purchase of be replacement of all trucks amount depending on how cil rejecting all bidders. was sworn In last night as leagues and Mr. Wetzel, the new sanitation trucks after ^nd the most expensive would many trucks council ultima- The land, which is located township councilman. man he is replacing. listening to more complaints be repair of all trucks. tely decides to buy. north of the Braverman tract, Mr. Garrity, a native of the "You make a hell of a good- and questions about the con- Purchase of seven new Mayor Joseph A. Palaia is assessed at $4,000 an acre, township, replaces Philip E. looking councilman," Mr. troversial purchase. trucks should come to said that while council must or $140,000, Mayor Palaia Wetzel, who resigned last Wetzel observed. "I have the Some area residents, most $413,000. Mr. Hudson said. research the matter further, said. month because he will be highest confidence that you notably members of the While several people in the he felt council was leaning to- The highest bid. submitted moving to Pennsylvania. will fill my shoes well." Township of Ocean Tax- audience questioned if the wards purchase of three by Benjamin Edelsteln for Although Mr. Garrity's ap- Councilman Stanley Benn payers Association, have vig- township trucks were actually trucks. Mrs. Toby Kaplan of Bowne pointment extends only until cast aside partisan politics to orously protested the pro- in such poor condition that Mr. Benn noted that the Road,'was 73.000. the general election in No- praise his new colleague. posed purchase of seven new they required replacement, amount of repairs the town- John Burke, of Strano and vember, he said last night "As the sole Democrat on garbage trucks for the munic- William Rue, township ship could do was limited by Burke, also bid on the proper- that he Intends to run for a this council. I'd like to wel- ipal collection service be- maintenace shop foreman, the state limit, or cap, on mu- ty full term in that election. come Jim Garrity. His selec- cause of what they consider testified that the trucks were nicipal spending, whereas Mr. Benn, said he would Mr. Garrity attributed the tion was unanimous, and I excessive bonding. breaking down six to eight bonding ordinances for capi- like to see the township sell ease with which he slipped feel he has outstanding cre- Adoption of the bonding res- time a day. tal expenditures were outside the land, which is zoned for Into the councilman's seat to dentials and will do a very olution had been delayed Mr. Rue said all the trucks the cap. industrial use, for at least "six his five years on the Board of good Job." while township officials re- were deteriorating and that it After comparing the cost of figures" and asked that the Adjustment and his interest Mr. Garrity Is owner and searched alternatives to the was Impossible to continue municipal garbage collection bid be rejected. Council voted In township politics during his operator of the Exxon Service truck purchase, Including the service without a spare services with bids received at unanimously to do so father's — James J. Garrity Station In Wanamassa. overhauling and repairing track. the end of last year from pri- Mrs. Kaplan said she want- •atnttr iMfl *»!• »r L«rr Nm — tenure as mayor. He lives with his wife, some existing trucks and repl- George Schueler. taxpayer vate firms, the township en- ed the land, which abuts her NEW COUNCILMAN - James R. Garrity, newly "I grew up around all this," Sandra, and sons. Douglas acing others. association president, accused tered into a three-year con- property, for protection rath- appointed Ocean Township councilman, Immerses tract with Its own municipal er than development. himself In his new |ob. Eatontown eighth graders given $825 more for trip EATONTOWN - The trip could be cut by $5 to $35 equipment purchases of less tion at Memorial School, at $7 Board of Education has de- each. th»r. B hour. anu ' I tWWWuViilH? another 1825 Board member Gerald Ta- The board will accept a cer- mat. toward the eighth grade's an- rantola said last night that' tificate next week from the nual trip to Washington this most of the additional money The board expects to hire National Parks Service desig- could be taken from funds spring. three new teachers next Mon- nating the district's three- still remaining in the board's The youngsters were faced day, including a new in- year-old Watergate Environ- transit account, originally al- strumental music teacher. with a deficit In their trip located for tires. mental Center near the Dela- fund this year after the board Thirty children from the ware Water Gap as a Nation- reduced its usual $2,500 allo-" k In other business, Anthony Meadowbrook School and 60 al Environmental Study Area. from' Woodmere School have" cation to $1,400 as part of F. Palmlsano, school superin- Mr. Palmlsano said he ex- Indicated an interest in taking sharp cutbacks made in the tendent, will report at next pects the designation to give music lessons and could be current budget. Monday's regular board the district some preference accommodated with the addi- meeting on the probable costs in obtaining grants toward The Memorial School eighth tion of another part-time Involved in beginning an in- the year-round program at graders have already raised teacher. tramural wrestling program the center. more than $1,000 from a spa- for the seventh and eighth If the new program Is ap- ghetti dinner and expect to grades at Memorial School proved next week, (he board The board opened Its work- realize another $1,000 from Planned to start on a limit- will hire Beverly Simmen to conference meeting with a several other fund raising ed basis later this month and teach two days per week at $7 tribute to Margaret L. Vetter, vojects. continuing Into April, the per hour. former principal of the Steel- man School, who died Sunday 1876 at the Philadelphia Centennial celebration and But Ronald S. Danlelson, first-year program would In- The board also plans to hire PART OF TRADITION - The Oceanic Flr« Com- at the age of 74. pany of Long Branch, owners of this 1B76 wagon, then again In 1976 In several area bicentennial pa- school principal, pointed out volve one hour of instruction Louise Tldd as a part-time celebrates Its 105th anniversary today. A company rades. It Is believed to be the only one of Its kind In that If the board could pro- and practice each week after Title 1 and reading Instructor Flags at both the borough dinner Is planned for March 20 at Squires Pub, The existence. The original horses were trained to vide an additional $825, bring- school. at Memorial School, with a schools and on municipal firemen are proud of the Babcock horse-drawn leave their stalls at the sound of the fire bell and ing the board's total contribu- The only anticipated costs prorated $11,383 salary, and buildings will fly at half-mast chemical wagon, which Is equipped with two 80- position themselves in front of the wagon, i tion to $2,225, the cost each are an $8 per hour salary for Miss Daphne Masslmino, to for the remainder of the week gollon tanks. The Babcock was first displayed In student must pay toward the an Instructor and initial fill Mrs. Tldd's former posi- in memory of Miss Vetter. 10 SHREWSBURY, N. I TUESDAY, MARCH 8.1977 Confused about girl's 'kin'sized prejudice
Dear ABU Linden: My and the reception following and believe be and our daugh- they will not have a church me and I'm heartsick. What ter the score. She needs guid- daughter aid future son-in- because she is a white woman ter would be terribly offended wedding or reception unless should I do? - Fort Wayne, ance from an older and wiser law have asked us to exclude who married a black. it they were not invited to the we respect their wishes. Ind. head. her sister «nd her husband My husband and I have ac- wedding Please advise at once. - NY ANN LANDERS Dear F.W.: Give him the Don't miss Ann Landers' fr«n their wedding ceremony cepted our black son-ln-liw The bridal couple Insists Bind air so fast he'll catch pneu- article, "What 1 know Now Dear NY.: A bride who her death, sign permission for Sis isn't even allowed to date. monia from the breeze. Re- That I Didn't Know Then" in would ask her parents to ex- the donation of eyes or kid- I'm not blaming her. She turn the raccoon jacket as a the April t issue of Family clude her sister from a family neys. doesn't know what It's all final gesture. And for heav- Circle - available on March wedding for any reason de- Through the letter from the about. I thought Jerry loved en's sake, tell your little sis- 8. Assess food needs serves to be told, "Sorry. bereaved mother which you There will be NO wedding or ran in your column, the fami- reception We refuse to leave ly of a 19-year-old boy do- your sister and her husband nated his eyes to the eye bank off the guest list." the following day, when he in Nutrition Week died In an accident. Bless Dear Miss Landers: We ap- FREEHOLD - This is Na- ed into four basic groups. teen-agers need four or more preciated the letter from you. - Sol Widener, Florida tional Nutrition Week. It fo- They are the milk group, the cups. Many people do not re- "San Bernardino Mother." Lions Eye Bank 2-PIECE cuses our attention on the meat group, the vegetable- alize that adults need two or When her Il-year-old son died Dear SW : Thanks for let- foods we eat which affect our iruii group, and the bread-ce- more cups of milk per day. in an accident, she wished ting me know. Again I sug- health, points out Mrs. Sylvia real group. (What you put in your coffee someone had mentioned do- gest that anyone who wants •iriffin, Monmoutb County You can be reasonably sure counts.) nating his eyes or kidneys. to will his eyes, kidneys, or CUSTOM Extension Home Economist. that you are feeding family From the vegetable-fruit Knowing he had helped give heart can. do so by writing for There is a lot of mis- members wisely if you give group include a citrus fruit or sight or added years would a Uniform Organ Donor Card. information available. It's them the number of servings other fruit or vegetable high have helped her accept the The address is the National SUP-COVER best to rely on the findings of suggested from each group In vitamin C. Good sources of loss. Kidney Foundation, Box 800, doctors, dietitians and nutri- each day. Choose additional vitamin C are grapefruit, or- We at the Florida Lions New York, New York 10010. tionists who are doing re- foods to round out meals and ange, cantaloupe, straw- Eye Bank occasionally get to Dear Ann: I'm 17 and Jerry search at universities or satisfy appetites. berries, broccoli, brusseU speak to families In this situ- Is to. He says he loves me teaching. From the meat group have sprouts and peppers. At least ation. Even though they are and I thought he did. For Each day our food should two or more bounce servings every other day have a dark- extremely upset, they derive Christmas he gave me a rac- supply us with many different of beef, veal, lamb, pork, liv- green or deep-yellow vege- sustaining comfort and coon jacket. OUR 20th ANNIVERSARY! nutrients — protein for er, heart; or poultry and table for vitamin A. Serve strength from the knowledge Jerry started to get cozy SERVING GREATER MONUOUTH COUNTY SINCE 1$ST growth and for repair of the eggs; or fish and shellfish. As other vegetables and fruits. that someone has benefited with my 13-year-old sister be- body, minerals and vitamins alternates use dry beans, dry In the bread-cereal group from their loss. hind my back When I saw for growth and to keep the peas, lentils, nuts, peanuts, count as one serving: one We keep a permanent re- him kiss her, he said he was STANDARD SOFAS (^^ body functioning properly, peanut better (when using slice of bread, one ounce gistry of eye donors on file being "brotherly." Yesterday and fat and carbohydrate for these incomplete proteins, ready-to-eat cereal, or ^ to % and would feel most fortunate he confessed he likes her a lot STANDARD CHAIRS „., „« (HUM) energy. supplement the meal with cup cooked cereal, cornmeal if the "immediate world" and wants to take us both out. To help you select the foods milk or cheese which are grits, macaroni, rice, noodles, would sign a donor form prior I talked to my sister and she yoir family needs, USDA good sources of protein). spaghetti to expiration. Please tell your confessed they have kissed food and nutrition scientists From the milk group chil- Having a variety of foods readers, Ann, that even "several times" and he tried FROM $-1 CO00 have prepared a Daily Food dren under nine need two to each day, says Mrs. Griffin, though a person has not made to go further. Guide. three cups, children nine to 12 helps to insure good health such a provision, the next of If my parents knew they Foods in this guide are sort- need three or more cups, for you and your family. kin can, at the time of his or wouldn't let him in the house. 159 * Vat dyed • Prashrunk fabrics * Overfeed seams finest console wetting What it really feels like to be fat * Work done by expert craftsman We have bolt alter bolt of America's finest fabrics, from America's foremost mills. "ALL FIRST QUALITY" (NO ORDERING FROM LITTLE STAMPS PASTED IN A BOOK) By BARBARA GIBBONS BEING FAT IS... BEING FAT IS ... being told you have a pretty face. Have CALL 747-2543 . .. keeping score instead of playing the SLIM GOURMET you ever heard anyone say that Mary Tyler Moore "fttl SHOMT-MOME SBVKE" game. "has a pretty face." ... selling tickets to the fashion show instead ... taking a place in the back row for group of modeling. BEING FAT IS ... photos. . .. being chairman of the dance, and not go- ... the "braless look" — even when you're ... taking the back seat in the car. Ing wearing a bra. . . .taking the whole seat on the bus, whe- RED BANK DRAPERY .... being asked by a guy you're crazy about ... buying a dryer because you hate to hang ther you want to or not. 39'/J Broad Street Red Bank to help him find a date. your underwear out on the line. BEING FAT IS ... BEING FAT IS ...... always being offered "second helpings." "UONMOUTH COUNTY'S BEST SLIPCOVER BUY" BEING FAT IS ...... lying on you driver's license (about you ... never taking second helpings — In public. . ... getting called for the interview, and not weight, not your age). ... getting candy instead of flowers. House getting the job. ... cutting the labels out of your clothes (the coats for Christmas from your niece ("I just never ... getting the job and failing the insurance sue, not the manufacturer). know what to buy you!"). Or bedroomslippers. la no stopping N — khaki 18 the exam. . . . being the size that "one-size-fits-all" ... vertical stripes. neutral for now! "Quota Me" doee It with ... avoiding jobs in uniforms. They never doesn't. ... a one-piece bathing suit — with a skirt! stripes on 100% cotton have one that fits. ... owning lots of shoes, scarves, jewelry, ... putting extra holes in your belts with an Clockwise! placket shirt with oofuv and handbags. They are easy to shop for. BEING FAT IS ... icepick. raglan sleeves In woven cotton; body is . .. shopping by mail. No skinny, snippy sales ... always being told a style is "slimming" or Make your own list and post it on the refrig- knit, ism Scoop neck btoueon style clerks. a dish Is "low calorie." Who asked! erator ... works better than a lock! with trim at neck and sleeve edges. BEING FAT IS . ... moving the metal weight on the doctor's HJOO V-neck cool fishnet at shoulder ... being taken for your sister's mother. scale all the way to the right. What's for breakfast? For the protein, fat, car- and across upper back. 1*00. AM, 8.M.L. . .. being taken for your mother's sister. ... being fixed up with fat dates — and hat- bohydrate and calorie count of all the best-known Moderate Sportswear. ... being taken lor your MOTHER'S mother! ing them on sight. cereals, by brand name, plus recipes and diet tips, ... not being taken to your husband's high ... never being asked to be a bridesmaid. send a stamped self-addressed envelope and 35 school reunion. The gowns only come to size 14. cents to "SLIM GOURMET CEREAL GUIDE," in ... not going to your own high school reunion. ... having your teeth, nose and hair straight- care of The Red Bank Register, Sparta, N.J. ... going, and nobody recognizing you. ened and nobody noticing. 07871.
.ORDER NOW FOR REUPHOLSTERY SPECIAL Don't throw away your good furniture frames. Let us custom reupholster them. LUCKY MODEL — Mary Sheean of Mlddletown, a vice president and teacher at the Guild of Creative Art, will chose someone from the audience as a 1 CLUB CHAIR model for a pastel demonstration at 8 p.m. Friday •in the Guild's galleries, 620 Broad St., Shrewsbury. VfflHlCUSMON from Mrs. Sheean won the Grumbacher award at the N.J. Watercolor exhibit at Monmouth Museum, 1 SOFA Llncroft, In December and exhibits with the Mu- WITH UP TO , seum's "Circa" group. 3 HAT CUSHIONS frOf?) Doll house Skirts, double welt, wings, nail heads extra course at BCC SLIPCOVER _sion workshop at Brookdale 'Community College will teach TM SPECIAL adults how to design, build PROGRAM and decorate doll houses. The worldwide hobby is currently A •ylltmrtc technique to dt- 1 SOFA wtop the Ml potential ol th. In- up to 84" with up to undergoing a boom as more dMdual and more adults are realizing 3 teat cu«hlon« that "Doll Houses Aren't Just FREE LECTURE For Children." bfalaachirot 1 CHAIR 199 t»TM program with t cushion Gen Rindner, a doll house expert, win lead the hands-on Includes fabric, sen well, overlooked seams, cut and dellv- workshop, for public <»nvc- MONMOUTH COUNTY mmi it your home. Wing lurntkjre slightly higher nience, the program will be TM PROGRAM ONTER given in two sections: Section ran 227 Rt. 520 I - 12:30 to 2:30 p.m. Mon- SHOP-AT- (Nmmtn Spttngt Rjtd) day, March 14 through May 9: HOMESnVKf Section II i- 10 a.m. to noon Tinton Fall! CALL Tuesday, March 15 through 747-6412 May 10. mill end 741-6080 W« also provide (rat In- troductory tedurM to ctubt or 137-B BROAD STREET Classes are limited to 15. •nv o*m organtuSorw. For information on fees or to N* •IMiM *Ui iny other nM «* the* In of shop *» area. *«*« Mire you're In ttw Mm In* register, persons may contact Evry Wfdnttday the Office of Community Ser- open friday :•*•»•»"•«*»*• (.•china all i B P.M. red bank Fn Ptrtlh PHONE/SHOP TOLL FREE S0O-3M-W90 (FROM AS8URY PARK AREA. 7744747) . ASBURY PARK. RH) BANK 'til 9 *•"* <* * >9*> Our Lot 10-530 WED. FR TO » •BUCK TOWN 10*30. SAT TO 530. SUN NOON-5 • MANALAPAN MON-SAT. tO+3( [ SHREWSBURY, N. J. TUESDAY, MARCH 8.1977 TheMyfegMer 11 Bishops in the way of Wave goal By RAY LENA Delaware Valley in the other fense in spite of an offense It won't be any easy task far ahead at the beginning." half of the CJ Group II semi- that places four players in for Nate Bruno's Junior-laden The pressure of Long Gerry Matthews, Long final, originally scheduled for double figures and features team, and he knows it. "A Branch's unbeaten streak, ac- Branch High School's basket- tonight, has been switched to Mil-State candidate Alex great deal of how we make cording to Matthews, is non- ball coach, isn't one to mince tomorrow night at 7:50 p.m. Bradley, will be after a out has to do with how we existent. "The pressure was words. "I think we're going to at Delaware Valley. school-record 27 victories, one handle their guards double on us at the beginning of the win," he uys about tonight's Keyport, the defending CJ of the goals the Green Wave teaming the ball. We had year. We had to play Asbury Central Jersey Group III set at the beginning of the Group I tltlist, will meet Ber- trouble with that the first without Joel and all of our semifinal clash with Asbury season. Christmas tournament games nards at 7:10 p.m. at Holmdel time we played them, so we'll Put. "1 think we're the bet- have to be able to cope with it without him. Then, once the High School tomorrow. The "That was one of the goals, ter team, I'm not trying to this time if we're going to regular season began we had game has been moved to winning the section is another downgrade Asbury Park, but make it a good ballgame. to overcome having to play I think we have the best Holmdel to accommodate the and winning six games after without Alex when he hurt an "We had trouble with team." more than 1,000 fans expected the Shore Conference tourna- ankle. Once we got them back Bradley the first time, now for the contest. ment is the last," said Mat- and had the whole team to- The second encounter this thews. Six victories, two are' we're going to have to do In two South Jersey Paro- gether we won the rest of our season between Matthews' already in hand, would make something about Dobrin chial finals tomorrow night, games fairly easy." unbeaten Green Wave, now the Green Wave the second (Joel) too," said Bruno. Red Bank Catholic will meet 16-0, and the Blue Bishops, unbeaten team in the school's "We're working on a lot of Bradley, the Wave's 6-5 cen- Paul VI of Haddon Township now 224, Ups off at 8:00 p.m. history and state Group III things, but when we try to ter, Is the player that makes at 8:0ff p.m. at St. Joseph's at Long Branch. champs. come up with something of- them tick, whether he's scor- High School, Toms River for ing t bundle of points or Hoping to come in between fensively, It leaves us weak the Parochial A champion- banging the backboards for In the only other NJSIAA Long Branch and its goals is somewhere on defense. If we ship,' and St. Rose takes on nearly 19 rebounds a game. playoff game involving a Asbury Park, a team Mat- try and matchup defensively, Bishoip Eustace for the Paro- When Bradley doesn't score Monmouth County team, thews called after the Green it leaves us short on the offen- chial B crown at 8:00 p.m. at the amount of points the fans Rumson Fair Haven travels Wave beat the Bishops, 61-52, sive end. Still, if somebody Lakewood High School. have come to expect, the rest to South River in a Central more than than two months can pick up the slack offensi- oMils teammates are usually Jersey Group II semifinal Long Branch, which has ago, "The most talented team vely or defpnsfvely, we'll against South River. enjoying good offensive nights built its reputation on the we've played this make it aj&od game. But we Red Bank's game against strength of a tenacious de- et them get too because of the attention shown to him. Vinnle Snell, Clinton Whee- ler and Martin Taylor, the components in the Wave's three-guard offense, are ca- pable of scoring In double fig- ures any night, while Dobrin quietly makes life miserable WHAT NOWT-Nate Bruno, Asbury Park High for any opponent's big man School basketball coach, must be wonder to what likely to venture around the to now. His Blue Bishops face undefeated Long backboards In search of Branch tonight In the semi-finals of the Central rebounds or garbage baskets. Jersey Group III tournament In Long Branch at 8 Off the bench, Monte Robin- p.m. son, a 6-3 forward, and 5-10 Steve Schwartz give the Wave ware Valley. The Bulldogs, also, while Berry chips in 11 a the depth to overcome having now 22-6, have the back- game and 11 rebounds. Kirk- to play without one of their board strength to do it with a Patrick gets about eight a starters for foul or injury rea- pair of 6-5 performers in Art game as does Bill Finn, the sons Berry and Bill Dooley, and 6-3 Bulldogs other starter. forward Dave Kirkpatrlck. Asbury Park likes to go on South River is led by broth- offense to 0-4 David Williams, "They like to press, too," ers Roger and Ken Jackson. rapidly becoming one of the says Rumson coach Tom Bot- Roger is a 6-1 senior who av- best big men in the county. A ti. "We've had trouble with erages 18 a game, while Ken leaper who blocks five shots a that this season, but hopefully is a freshman (called the best game, Williams will have his we'll be able to handle it all-around freshman in Mid- hands full with Bradley and against them." dlesex County since Brian LAROe THREAT - Dobrin down low. and Blake Taylor of Perth Joel Dobrin, Long Steve Sheehan, an above 16 Branch's senior center, Prankie Smith, a 0-1 Junior, point per game scorer, is the Amboy played as frosh) aver- aging 14 a game. Ken has will present a problem is the Bishops high scorer, Bulldogs best bet to break for Asbury Park. He while backcourt mate Victor South River's press. "If we scored 20 and 22 points in Burgos also averages in can get by the press, maybe South River's two tournament and Alex Bradley have we can do some running of, victories. a Knack for controlling double figures. Robert Roper the backboards. - and Darryl McGhee are the our own," said Botti "When T J Bonus, a 6-3 senior, THIS WAY, THIS WAY — Warren Booth, Red Bishops other starters. we do that, we're at our best, Tom O'Toole, a point guard, first-year coach, got the Bank Regional High School basketball coach, LIFT UP YOUR HEAD, DOOLEY - Bill Dooley, Rumson will have to stop when we don't, we start and Tom Chergey, averaging Rams off to a 17-game victory points the way for his Buccaneers. So far, he has Rumson-Fair Haven Regional standout, will be South River's fast break standing around on oflense 12 a game, are the other streak before losing to Wood- directed them to the Central Jersey Group 11 semis counted upon when the Bulldogs take on South Riv- game if it is to advance to the and get nothing done. starters for the Rams who bridge 36-35 in the quarter- where they will meet Delaware Valley at 7:30 p.m. er tonight at 7:30 p.m. in the semi-finals of the CJ sectional final against the Dooley, a 6-5 pure shooter, play a 1-2-2 zone on defense. finals of the Middlesex Coun- tonight. Group II tournament. winner of the Red Bank-Dela- averages above 16 a game Don Fadden, a 25-year-old ty tournament. Could Madison become somebody else's Garden? NEW YORK (APj - Gulf & Western Industries Inc., The Garden Corp. stock sold at $9.75 a share Monday, requiring the disclosure of certain financial information, other investments, the company said. the largest stockholder in Madison Square Garden, is taking up from 15 on Friday. including details about the company's Chicago race track, In 1975, a controversy over the sale of the Garden, which steps to buy the entire New York Cltj|«sports complex for Home of the National Hockey League's New York Washington Park. Gulf 4 Western fUed the data Monday seats as many as 21,000 for some events, erupted after about $29 million Rangers and the National Basketball Association's New and, under the statute, has a 20-day waiting period. the Off-Track Betting Corp., New York City's legal betting Gulf & Western, which holds 1.877 million shares, or 3D York Knicks. the Garden has lost money every year since Under a similar law in Michigan, where the Garden Corp. firm, made a purchase offer. per cent of the Garden's stock, announced Monday it would its opening in 1968 at its present site on West 33rd Street was incorporated, the waiting period is 60 days, but the Under the proposal, OTB would have acquired the pay $10 each for the remaining 2.9 million shares of in Manhattan. Garden board can waive the requirement. Garden for the $29 million mortgage price, but critics common stock. In the past, Cohen has blamed taxes and high labor costs In February, the Washington Park grandstand and argued the city would lose money. Alan Cohen, president of the Madison Square Garden for the losses. But he said the teams—wholly owned clubhouse were destroyed by fire. Madison Square Garden is the fourth arena to bear the Corp., said the board of directors would meet this afternoon subsidiaries of the Garden Corp.— are profitable. Gulf It Western, a conglomerate which owns Paramount same name. The first, at Madison Square on Madison to discuss the offer. Gulf 4 Western purchased its current interest in the Pictures, Consolidated Cigar Corp. and Schrafft Candy Co., Avenue and 26th Street, was built in 1879 and a new Garden "1 cant speak for the board of directors, but personally, Garden in numerous transactions from 1971 to 1976. said it could receive as much as $25 million to (30 million was built on the same site in 1887. In 1905, promoter Tex I think that's a fair price," Cohen said. "It's a question Before it can mail the latest purchase offer to Garden in insurance proceeds. If the money Is not invested in a Rickard built the third Garden on 8th Avenue at 50th Street. of value for our stockholders." shareholders, it must comply with a New York State law new track, it would be available to repay debts or make The current Garden was built by Irving Mitchell Felt Giants flip Morton Michigan is voted No. 1 By The Associated Press UCLA was ranked second Nevada-Las Vegas, 25-2, face Syracuse in an opening- "There shouldn't be any with 853 points and six No. 1 rounded out the top'five with round game, while Kentucky question in anyone's mind," votes. The Bruins, 23-4 and the 564 points. faces Princeton'. to Denver Broncos said Michigan Coach Johnny Pacific-8Conferencechampion, Orr after his team defeated Kentucky fell from second to Southwest Conference cham- Morion, a college star aPCali- touchdowns and 122 inter- also has a difficult first-round DENVER (AP)-Craig Mar- Marquette 6948 Sunday. "We sixth in the poll after losing a pion Arkansas was eighth in fomia, was the Cowboys' No. 1 ceptions. tournament game, against 14th- ton and Steve Ramsey, a pair should be No. 1." crucial Southeastern Confer- the poll on the strength of a 26- of veteran quarterbacks who draft choice in 1965. Gehrke said it had been the ranked Louisville. The majority of the 53 sports ence game at Tennessee 81-79, 1 record. Arkansas meets Wake had become increasingly un- He had his best season in Broncos' intention to "try to writers and broadcasters who North Carolina, 25-4, won the The Wildcats. 23-3, earned 562 Forest In NCAA play Saturday. popular with hometown fans, 1972 with 185 completions for 2.- deal fora veteran quarterback voted in this week's Associated Atlantic Coast Conference post- points and one No. 1 vote, plac- 396 yards and 15 touchdowns, to give us some stability while switched National Football Press college basketball poll season tournament last week ing them ahead of the No. 7 Minnesota, 24-3, Is on NCAA and led Dallas to the playoffs our two youngsters develop, League teams Monday. . agreed with Orr. and moved from sixth to fourth Volunteers, who got 471 points suspension and ineligible for The New York Giants traded for the seventh straight year. and we feel that Craig fills the in the balloting. The Tar Heels, The 23-3 Wolverines collected - and a No. 1 ballot. Both Ten- postseason play, but the Goph- the 34-year-old Morton to the Morton was traded to the Gi- bill. who open NCAA play against 29 first-place votes and 912 nessee, which advanced from ers were ninth in the voting. Denver Broncos while Ramsey. ants In 1974 for a No. 1 draft "We think Craig Penrose and Purdue, received 688points and points and moved from third No. 11, and Kentucky wilt be in Syracuse, 25-3, rounded out the choice in 1975 and a No. 2 pick Norris Weese have fine futures three first-place votes. 28, went from the Broncos to place to the top of the poll The the NCAA playoffs. The Vols Top Ten. in 1976. Last year, he started 12 with the Broncos, and that Mor- the Giants. Denver will owe BlgTenConferencechampions, New York "future considera- games for the Giants and com- ton will help bring one or both Craig Mtrtoi who meet Holy Cross in an tions" to complete the trade. pleted 153 of 284 passes for 1.- along to an ultimate starting opening round NCAA tourna- Broncos General Manager Fred '865 yards and nine touchdowns, job- of-919 passes completed, 35 ment game Sunday,'won three Gehrke said. while being intercepted 20 Ramsey started the first 12 touchdowns and 158 inter- times last week, beating Illinois Pro-Am tournament Morton is a veteran of 13 times. games for Denver last year. ceptions. At North Texas State. and Purdue in addition to Mar- years in the NFL, including.the In his career, he has com- His Bronco career totals since Ramsey set NCAA career first 10 with the Datutr *"—-. he was acquired In a trade with record: passes for 18.013 yards. New Orleans in 1971 were 456- passes. chigah replaced the San boys. The 6-foot-4. 210-pound Francisco Dons as the top-rank- to hon^r Phil Iselin ed team in the nation. The EATONTOWN - Mr. and ter of National Multiple Scle- lielmi, both former Giant Dons, 29-1, had their dreams of Mrs. Joseph R. McMahon, rosis Society, will lure both greats; Joe Theissman of the Kunnert paces Rocket victory a perfect season spoiled by Rumson, co-chairmen of the top corporate leaders and Washington Redskins; Rut- Notre Dame 93-82 Saturday and Fourth Annual MS Pro-Am businessmen from New Jer- gers Champion basketball BUFFALO (APj — Seven-foot Kevin Kunnert, averaging Houston fell behind 37-26 after the opening period but fell to No. S with 743 points and Golf Tournament to be held sey and New York, but celeb- coach, Tom Young; Bob ' only 8.6 points a game, poured in a career-high 31 points and surged to a 64-54 halftime bulge by outscorlng Buffalo 38-17 in 10- first-place votes. San Fran- at Old Orchard Club, here, rities from the professional Tucker of the New York Gi- pulled down 13 rebounds Monday night as the streaking Hous- the second quarter as Rudy Tomjanovich hit' for 12 points, cisco meets No. 5 Nevada-Las June 6, have announced that sports woj-'ld as well. The ants; former W.F.L. pro, Bob ton Rockets rolled to a 128-107 National Basketball Association John Lucas 10 and Kunnert eight. Vegas in a tough NCAA open- the event will honor the late theme of "Athletes vs MS" Davis, and Burgess Owens victory over the Buffalo Braves. Houston nailed down its fourth consecutive victory by con- ing-round match Saturday. Phil Iselin, president of the has, for the past 3 years, been and Joe Fields of the New necting on 60 of 103 shots from the field for 58 per cent. rue APTe» Twenty The triumph left the second-place Rockets just 1% games •y TM Aiocteted Preii Jets and Monmouth Park supported by such celebrities York Jets. The TOD Twenty teomi In The Aiiocl- behind Washington in the Central Division. Lucas made two layups — one off a steal, the other on a oted Preli college boihemoll poll, with Jockey Club. as Jean Ratelle, now of the drive — and Tomjunovich banked In a long shot as the Rock- rtrll-ptace "rarei In partnrnem. union Boston Drums, Bob Cousy, This year's event and din- records aM taeal Mints. Points based on The tournament has be- ets moved from a 48-48 tie to a six-point lead and were never former Celtic great and now 30-1116-14-13.10-91 7-4 S 4-3-3 1 come the largest single-day ner will highlight the contri- headed tMlcmgonim D3 V1J Commissioner of the Ameri- butions that Phil Iselin made College basketball results 7 UCLA 16) 314 111 golfing event In New Jersey, They broke It open with a 10-point run—baskets by Lucas 3 Son Francisco (10) )4) can Soccer League; Alex to his community, his friends •V TIM AIHCMN PreM TOUMMMINTt 4 NorlhCorollnolll 3S4 HI last year Involving 58 four- and Kunnert, two by Malone, plus two free throws by Kunnert '•'•4 Webster, former coach oj the and to the sports world. Stars MUTH NAIA 5 Nevada-Los v«oo* 311 somes in two shot-gun starts. Atoooma », Florida 70 nm itfpn — for an 80-60 spread in the third period. 6.Kentucky ID »-3 Ml New York Giants; Phil Villa- of the racing world, of the Kentucky 73. Georgia S4 Wlt-PortUd* 112, Paint. Go. AS 7 Tennessee (11 11 S 471 Each team will again be cap- •.Arkansas (3) 36-1 311 piano and Otis Sistrunk of the MhilHlppI SI I". Auburn 75 Sowtawtittrn St tf, S Utah 19 Kunnert, who began his NBA career with Buffalo, hit on 14 tained by a pro from the New New York Jets and celebri- Tenneuee IS. vanderBin is, Alo-Hunt»vlH« W. Ktntvcfcy SI M 14-3 710 Super Bowl Champion Oak- ties such as Ara Parseghian, Oowlirvfl. N V 75. Whllt.tr M of 22 shots. His previous career high was 29 points and his K) Syracuse »3 Jersey section of PGA or by a MIDWIiT Hawaii HlloII. Spring GarD>nU HCInclnnotl 114 711 land Raiders; Randy Neu- Howard Cosell and Frank Gil- Cent Michigan 76, Ohio U 64 NtwtMrry 14, Hntlngi II best this season was 23. 11 nliinnll 134 IIS touring pro, and teams will 13 Providence 14-4 17! mann, Jersey heavyweight Mkmil.Ohlo67. Cincinnati xovler 57 Grand Votliy SI W, Mluourl-Kontai consist of dozens of well- ford, involved with the Na- N Illlnoli M0. Kent SI '01 City > 14.Louisville 71-0 171 Tomjanovich and Lucas added 20 points apiece while Ma- IS Notre Dame boxer; Phil RUzuto, Yankee tional Multiple Sclerosis So- Noire Dom« 76, OePaul U CompteM 76. Lincoln Mem 75 304 105 known amateur golfers. 16 rVlorouette IS W Mich 19, «owlln» Oreen M NMtMMl Llltlt CfMffft lone had 15 points and 13 rebounds. Buffalo rookie Adrian »7 TV sportscastcr; Al DeRo- ciety are expected to attend 1? Detroit 143 ss •XHIIITION Cooeorxllo.Minn «,NortfmoodlmS7 Dantley, who missed the Braves' last game with the flu, led. 11 UNC Cnorlolte 713 41 The event, a benefit for the gatis, former NBC com- and be part of the homage to S«vWI Union M. Album InActlon IM St. Comtrlfw, Ky M, Colorado HW U tt.Ulce) 11-6 41 all scorers with 33 points. » Amono 111 J4 Monmouth-Ocean.N.J. Chap- mentator, and Ralph Gug- Iselin. 12 SHREWSBURY. N J njESOAY, MARCH 6.1977 Tkaczuk: Comeback player of the year? Walter Tkaczuk can very well be the Rangers' "come- in the scoring department. night's Lester Patrick Trophy Award Dinner. Trading dead- back Player of the Year." He did have the longest distance to line ends at noon today. travel back ' But ia the big guy's defense hit overall effort as a per- Islanders, who are five points behind Philadelphia, (last There is a Junior player in Canada setting all kinds of sistent checker this year is Stirling to draw rave reviews. He night's Flyers contest with Toronto not counted) are still play- scoring records by the name of Michel Bossey. I hope he is a phis player and has picked up 11 points over the past II ED ing great defensive hockey. Chico Resch, who picked up his plays in the National Hockey League next year with Jim games. fourth shutout of the season Sunday night against the Rockies, Moxey, Morris Titanic and Bart Crashley and not with Brent Teamed with Greg Polls and BUI KoWsworthy Sunday and Billy Smith have allowed 1M goals through 17 games. In Meeke and minor leaguer Mike Sleep. night against Cleveland, Tkaczuk's line peppered Baron's WALSH the race for the Verina Trophy (fewest goals allowed in a Ma- goalie Gary Edwards with 1! of the Rangers' 40 shots. son) only Montreal has a better record. Les Habs have given up IS* goals In tt contests This is where the game-in-hand Boston Coach Don Cherry (didn't he used to sing?).says Game time tomorrow evening remains at 7:M despite Rod hurts. Brad Park is playing 40 minutes a game. "He is sacrificing Gilbert Night festivities. The star right winger was presented headlines for the good of his team and not rushing the puck so the Bronxe Medallion of the City of New York by Mayor Abra- lllinilHHMtllllllllHIHinillllltlllllllllMMIII often," Cherry states. ham Beame at a special ceremony this morning. elation, Broadcaster's Association, the Rangers Fan Club (a And speaking of Montreal the Canadlens will not finish Sabres lead Bruins by three points in the Adams Division The award, which is the city's highest «civic honor, was suable donation will be made to the Gilbert Foundation) with (3 wins or break the consecutive non-losing streak race with 13 games remaining. They face each other twice presented to Gilbert In recognition of his outstanding Mtyice Madison Square Garden, and both the Rangers and visiting record of 13 games. After polishing off the Rangers Saturday more during the regular season. as a member of the Rangers for the past IS seasons. Onlyyxie Minnesota North Stan, i night for their 21st straight without a loss Montreal dropped a other hockey figure (former Ranger Harry Howell) and two Sunday night contest In Buffalo. Paul Stewart picked up an eight-game suspension and was other sports figures Casey Stengel and Joe Namath, have re- Minnesota is making a run for the last playoff spot In the Rangers trainer Frank Paice will pack It all in at end of fined 1500 for his part in a North American Hockey League ceived this award. Smythe Division and picked up four big points over the week- current season and retire to Florida where he has a home In donnybrook in Erie last week. Howell will be on hand tomorrow evening along with Vic end by belting (their closest rival for the berth) Colorado »-3 Daytona Beach. HadfteW, Jean RateUe, Brad Park, CamlUe Henry, Andy and edging division leading St. Louis J-2 Tkaciuk's old line- Bathgate and Emile Francis. mate Billy Falrbairn returns to town sporting nine goals on Atlanta plays Boston tonight, Islanders tomorrow night Presentations will be made by the Hockey Writer's Asso- the year. Goldsworthy has picked up where Falrbairn left oft A meeting of league general managers preceded last and back-to-back games with Rangers Saturday and Sunday. Sport Mills top seed in NJSIAA 9s 188 141 — Davi Oimund, Huntirdon Clfl- vl. Patar Pogal. RVdolph. < Jl 11 ton Ctntrol (14-4) vi. Mike Kouffmon 1) vt. Peter DeBoer. North Hunterdon, Sam Mills of Long Branch trail ]. Tim Cotolfo. Poicock Hllli, I. Ill - Tom Slooffl, Raabury. 17)41 v Mlllburn. (23-4) atrni. ruiLitLn niin. J is Monmouth County's only Jaa Blrmlngnom. WllltliW. 4. Joi Car- JiMm Fornaetme NualOMcC VolllVolley 113-51HIS).; Jl Jl.., . m — Roy Btlleron. Modlion Centra). lit - Joe Crui. Port Lee, (24-1) vt. Jai Bfrmlngndm. WiittliW. 4. Joa Car Schultt. North Hunterdon, (716) vi Jef( (M-)-l). vi. Monny Lugo. Tomi Rlvir Ortg Klnrter. Haddon Twp., (14 5); hope come Saturday when the van. Rancaco) vallav Webb. Vaplelhod.ilMl OM South. (34-31 >. JollYomoguchi. Watty Torrent, Modlun Central, (13-0) IH - 1. jaa Orolnlo. Colonla; 7. Oltnn ' ts , UorrlttowUltn (») vs. Ric Kearney, (31-3) vi. Scott Torppiy, High vt. Jock Schroder, Bound Brook (1I-3). .jl Ferroro. top seeded wrestlers vie at Grnm. Romopo; 3 Poul Morlno. Poult- Fair Lawn 05-1-1); Enrico T>el- Point, (1» J). StonGout*. Wl I flam it own. Greg Kemp. Roxbury (31-1-1) vi. Jim Rldgewood (34-1); Paul Pitcher, Cedar 170 - 1. Jill Parkir. Tomi Rlvir lutKtb!(«••), vt. Keith Woliac*. (17-5-1), vi. Sol Cenlcolo. Potcock Vat- Morrlion, Noteile Pork 06-5 I); Jot Ridge, 127 2) vt, Dove Incoo, Bridge Jadwln Gym, Princeton. Mills Sawlh; 7. Crolg Bllunil, St. JatipH. m-4). Fronk Molor, Tomi Rlv- Mrv, \\+i); Peter Schuyier. Bound Brook DeGfnovo, Gateway (2*0) vi. Tom wafer West, (311); Mike Stocker, Phll- briefs wvHi, (14-2,; vi. Tony Ratine. Penm (H-0) v*. Pot O Callogrwn, Sefon Hail, Mltht, Poramut (31-4); Tony Hall. llptowrg, (34-3) vi. Anthony Luberto, is the favored seed in the 188 IM — 1. Som Mllll, Lang Brooch vllle, ()•••); John Magaracl. Itr- (31-4); Dave Tlnnfti, Weittteld (21 0 I). Northern Burlington, (14 1) vt- Mkhoel Nutley, (23-3 1); Lorry Dilrlt, Lower H — I. Don Slock. Worrin Hllli; 7. Bill ganfleld (13-1-1) w». Steve Relnhardl. vt. Ed Comuia. BeMtvlllc, (33 M; Bradley, Mlddietown North (23-1-1); Cope May. (33 1) vi Ed Meyert, Pom- NEW YORK (AP) - Mar pound weight class of the Donmr. Plolnflild Wayne Vollty. lil-3); Steve Clark, Hot' Dwoyne Dorioy. Clnnamlmon (M-D v>. Bob Spec ton. Manvllle, (»-D vt Al tfur berton (33 2); Stt« Batteft*. Poecock brook Height. (IM). vt. Dick Hone. Si Troy Spencer, Penni Grove (11-11; Jim nafh, Hackeftttown, ,72 31; Mark Heller. Hllli. (27-1) vt. Slive PollCOttro, Mld- ques Johnson, latest in a long state wrestling finals Jofttph-t of Mttuchen, (13-1); Lou Dv Trmtiwtf-, Delaware Volley, *37 * > vt. River Dell (21-Jl vi Frtd Muccl, King- dietown South, (20 7); Crolg Belunes, St. TB«»MJANDIN»J rani, Jockton (14-1), vt lob Seemon. Mark lannl, Edlion (30-11; Charle* RI Joteph't (Met), (32-1) vt- Bob Siottok. line of great UCLA frontrourt The state preliminaries be- WMffleid, (1M-U. goglloto. Gorfleld, (16 0» vi. Lu Trygor, Colonlo (11-4) South ftIvtr,(17-S) players, was named winner of gin Wednesday in Princeton \Tl - Tom Hutted Potcoch Hllk (»• 01 vt. Peter NOUH New Providence (19- US — Chrlt Catollo, Patcock Hllli. IM — Sam Mllll, Long Branch (34-1) the Adolph Rupp Trophy when 16 wrestleri in each S-ll, John Morgtton. Phllllptburg [17 7 (M0l vt. Mike (no. Becton Reg. (19-41, 141 — pave Qsmun. Hunterdon Cen vt. Brlon Young, Fort Lee (»-)>; Chrli Iptburo (15-3). Or. IV, 4. Tomi Rlvtr I) vs. Len Nllton luena 11*3-3); Doryl Jon Michaels, Vernon. (11-0) vt. ftuillll trol, (TV I) vt Ed Ballna. Long Branch Johmon, Toms River South (34-3-3) vt. today as The Associated weight class will struggle to South (IS-U. Or. IV S. Dllowon Vgllty Burltv Pemtmton. (74-1) vs MorN Oeody. Monmoum Reg. inn, Laverne (70 3'h. Steve Honnlgan. Clifton (11-2) Glenn Henry Randolph (31-3); Len Aril II3-3), Or IV, 4 Modllon Ctntrol (till. D'Amlcs tellvllle t«-3). Rollond Ber- Co», Pemberton (W 4 0) vi. Jerry Mill- vs. Jock Grott, Seton Hall (23 )). Dan lere. Madlton Bora (25-0) vi. Tom Press College Basketball stay in the competition. The Or. IV I. Portlgpony (13-01. Or. Ill I oan, Porilppony (10-0) v». Kellh Alston er. Hunlerdon Central, tJt-I) v<- Jim Hendrkttion, Woodbury, (15 0) vt. Steve Kytri, Somervlll* (202). Joe Wadi, FortLn (16 0l.Gr ill, » Pouliboro (16 Neptune, \H-4i; Tom Andrewt. Hunt- Curry, Mofnlond Reg (114 )), Anthony Aquino, Ramapo (16 S), Joe Corbett, PouUboro (23-0) vt Ken Marks, Em Player of the Year. quarterfinals will start Friday 0), Or I 10 Jackton 113-31. Gr. Ml •reWi Central. (21-0) vt. Steve Jat- Suroae, Po»wlc Volley (36 3-1) vi Jett Roncocm Volley. (20-41 vt. Brad Ander- merion (734-1), John Antoslewlct, SI. at «;SO and on Saturday the II Bllllvllll (IS U Gr IV 13 Pimbtr- trooet, Pope John, (77-7-1); Doug Hick MoyBerry.Warr.nH)ll(?S1). Bob Mor son. Delaware Volley 174 41, Joe Blr- Joseph's (Met). (24 1) vs. Jim Saner. Johnson, an agile, muscular lon 116-0), Gr IV tj St. Jonph'i of men, Abtegoml. (7S-0) vt. John OINo tin. Highland Reg., ()*S) vs. Bob mlrtghorn. Weitfleld (710) vi RonGroll- Point Pleasant Boro (211-1); Craig semifinals will begin at 10 Mituchm (13-11. Gr. IV. 14. Modlion poll, Hoddon Two. (73 I); Bob Tenattl. Truea*. shownee. (IS-I), Willie Rivaro. montf, tellevllle (24-4); Rick Zandarikr, Stockman, Sparta, (33-4) vs Chorlei forward with all the prover- Boro 11301, Gr. II IS. Worrtn Hlllt 110 JPK Pattorton. (231) v* Joe Clpolla, Jortion (3S-1-I) vt. Kevin Scully Para Newton, (71-1) vs. John Balamonte, Schwoder, Hamilton West 133-1); Steve a.m. with the consolations at 4), Gr III 14 tirganrlild (11-3.11. Gr Ppromut (14-3); Mike Jocoutot. Modi mut (15-S-I); Ian Chorlet , Union (31-0- Northern Burlington, (71-1); Dole Ceph Stoltenberg, Westwood. (33 3 1) vs ioo bial moves, won the presti- IV 17. Mlllburn 110-31. Gr. Ill II. Editor) ers, Modlson Central (31-3) vs. Jeff Sor QeNlcoto. Porslppony. (»J); Chorles 1:30 p.m. The finals will fol- III 31. Gr. IV 19. Wetttlild 11311, Gr rell. Pennsvllie 172 3), Tim Catolfo. Vonder, Lodl, (»-0) vt. Bob Tunstoll, IV, 30 Cedor Rldot 03-31. Or. IV PoKoefc Hlllt, (77-1), vi. Randy Aldrlch, Ooy1on,(33-3) gious trophy In a landslide next five years and will not WWehung Hllli. (23-D low. 31, Pinntvllll 111-1), 33. Ovirbrook H - Don Stock, Worren Hill (3S-0J vs. vote by more than HO of the become a free agent at the Quinn, Henderson paddle champs 151 — Joe Oralno, Collnlo (71-0) vs Jofly Mjoduano, Ridge (25 3), Poul Finn. Most weight classes con- Bill Sorber. East Brunswick, (10 10), Mllfburn. (31 0) vs. Jack Bandoilon, nation's sports writers and end of the current World ton (15-1). 3) AMigoml 111 31. 31 Spar John Quinn and Peter Henderson won the U.S. National Greg Robinson, Paterton Kennedy (74 1) Olen Rock, (11-4); Renoldo Qulnones. broadcasters. Hockey Association season. tain (our seeded members. to 111-31, 3f Pottolc VolMy 11031, 30 vt. Vic Dtlla Toree, River Dell, 130-1); Pemberton (35-01 vt. Doug Walker. Oak Momornturllnglonitt II Junior Platform Tennis Championship in Pittsburg, Pa. last JohnGkitonello, Brlrk Twp , (17-4-1) vt crest (31 3); George OAfeisondro, Bel The club released a formal The US pound class will have night. RobWefth, Hunlerdon Central. 119* 1); levin* 135-3-H v» Steve Hardy. Cedar six seeds and one seed In the Jett Sanioi, KlttOtlrty (13-01 vi lorry Rldgt (34 4); Tim Jordan, Hockensotk set WVA statement Monday taking Is- 1). 15 Pmntarovi 111-3). 34. South Plan Rtbyok. Penra Grave, (741). Poul Mo (It-1 1 I vt. Ken BokJaruo. Rulhertord 141 and 188 weight division. HIM (9-3). 37. Portippony Hull III Jl, Tbjy dxteUdlHangan and MacAvoy of New York, W. «• fw.iBi.TM .. id BK OtV-3); Rodney Coldwell. WIMIamttown, sue with an opinion expressed a, Colonlo IIHI. J» Hodoon Towmhlp 3, S-6, 7-5 in a two-day tournament. Quinn and Henderson pre- punnpsburp,
14 SHREWSBURY, N J TUESDAY, MARCH 8. 1»T7
FAST RESULTS LOW COST m "W I PHONE 542-17OO I Toll Free Matowan Area — 566-8100 Toll Free Middletown Area — 671-9300 Total coellt.12
71. 71. MtrdMMdtM 77, PtHAwdLIVtttOCfc FwSole For Sal* 131. Housei For Sola HI. HoirtM For .Sola BOXtRI - AKAKCnah**reC d RED BANK - Decorator detlgn, Im TWO HUGS - Pods \tKl\HM4. »»o Shew and aef maculate two-story Colonial. Throe *I IN LO , rtl speaker OO4S Ku4p*Urid acrylic. 13'lrt'. Ill' • Alter t. 471 1711 JUST LISTED r bedrooms. Ml new bath, new country two If" boss, 4' midronoe HI' GoodtoMltlai. Mutt >(*• bolt. kitchen with dishwasher, full bast COCK » POO - aioti lemole Charming Folr Haven Cape otters tour tweeter, cross overs. EH- •IK Coll 741 4414 ment, new hoot, wall to woll corpetlng Spayed ElaM manms *M. IM bedrooms, two full bothi, llvlrvg room throughout Fenced yord, Musi see. n>nn. with brick fireplace, full basement TYPCWtlTEa — IBM tttrtrlc. svliti 11000 cosh buys this property. Owner VANISH PORCH-STY LIE LAMP - (land, seed csfKHnm tt«. Ow tr«o Garage, txeeiewoy Private rear yord will take bock second mortgage Prin- fftS Mttfi |M*M and sword sconce. Hirt cti#it. Ut. Coll 17* IM* Doaen DANE PUPPIES with brick polio Only 141,500 h id velvet sotg, »7i wolchaoQl, Good wllh kids cipals only. Asking 153,010.1710145 af- Sfcn«3vp in*} OS m tOM »llrrrT7l7«J4 ter 9 p.m. STAINED CLASS VfiNDOW - Mxle". FEMALE - Rad DssMrmw pucoy 4H RED BANK-Lovoly oUkK home with months aid Bred tar Mmoeramenl Wtltori I ttl fr Mit loads of charm. Modern klichon. two WEDDING GOWNS - Vtlll WMIt ArtMl vid llrsl In tletd llnet. 717 4114. boms, living room, dining room, pan 1300 Pierer ably lo sh*w home eled den. sun porch, four bedrooms Full bosement and thre*-cor oarayc FREE PUPS IMUTTSI Profeulonolly i«*ed. SUMO. Colllor STAINLESS STEEL SINK - Counter at^rnVwnt-oW Sp.m., HI -Ml, .•tf cvbtnth. GE refrigerator, an WOOD OR COAL STOVE — For Ml*. JUST REDUCED • Admiral radio and phonograph In NtwuM Call after Jpm LABRADLABRADOO R RETRIEVEEREVE** PUPPUPS — Little Silver (our bedroom Cope Fire- RED BANK ft place, dining room, center hall, gome NO DOWN-VETERAN mjmnant cotln.il. Goto corvo* own Mt*Mtl AKCAKC . WocaWca . sh*lsh*ls,, ten we.m EE« room, large bedrooms, enclosed yard TWO FAMILY HOUSE IrtfsThree outdoor doors, various WOBK BENCH - H*ovy. sluroi tellenlleSoree «l l 3J3J*I 1 gulet neighborhood, tree-lined street 109 CATHERINE ST. llm All HtmtwrvchMp. 173-I7W •Ood*n d*tk bast wilt) (1 Ml ! 'tin LHASA APSOS — Main. II w**ks, Owner onxlous to move to California Qualified buyer can purchase this SJCReO - Gerrard turntable^ torc*d work surfocf. «5 Coll 441 44*6 AKC reglstwed Colrtornlo-bred Rea Asking 154,900. M2 7563 home with no money down. First ROOT, or 431 HII AM/FM, eighttrock pioyer/reco»der. sonabte mJOM one bedroom apartment; second floor, two-bedroom apartment, Igr only csttrf conation, im 7«iJ*i7 otttf »" MOTOROLA COIOR TV - M*dl- OBEDIENCE TRAINING - Neil M LITTLE SILVER 136,000. Century 31, Paul ftrogor tttrmon Irultwooo cwiull NIHI lnntrs class. March IS. Boyshore Queens Drive South ronch home Quiet Ajjtncy. WtWS&ury. JV-071). minor rwolr IH0 Call nfttr Ipa 3THC0 - With two ir T f •rnaanWn Dog Club 741 aw r^ghborhood, Lot slW, IOOJOQ Three OMM. AH turntable Tape-deck with PALOMINO GELDING - II Honda, bedrooms, one baiti, living room with MMTOM Dolby All for tt» Coll 717 LONG BRANCH — Four rooms, fireplace, eat-In kitchen, formal dining RED BANK e>tremety oentie and ottectlonole Call bedroomi, two family home, i PHINTING PRESS room, den, full bosement, polio, large 72 Gorage/Yofd SOIM eJMUaafhw Jp.m. ocean Alt utilities included In- River front. Nlrttwoom Colonial, per- STORM AND SCREEN WINDOWS - SmcHI, tobM-Mp, hand operated prln GARAGE SALE - Cotof TV, todlo. PUPPIES - G*rman StMvncrd No Ing press In good working condltlo dUrte occupancy »M0 51* 9123 131 Houses For Sole fect throughout. Flrepioce. Three sun Two W'uMrt••. l«t J*"illW", one RUMSON - Two-bedroom, furnished porches. Wooded grounds, high In ele- Iwvwfwld Items, sports *oulpm*rrt ond papers BkKk ondtan H O with chases, quoins, etc. Call 471-OK LONG BRANCH — Large yord, heat AAA FIREPLACE Tl'UlVi", one W*47W. 15 each men » clothes site lofoe Frl Sot . or unfurnished, off street porklng, MIDDLETOWN — Send for our vation, sloping lo clean beach. Small Aluminum storm ana screen door. 30' tree, washer, more Two bedrooms, Three large bedroomi, If master bed March 11 II. t-S p.m i! Lowf*l Dr.. "Homes For Living" brochure, pics, apartment obove garages, Ashing wide, 130 30 stove. «S Aportment Fair Hav«n. SOCIAL SERVICE - Nonprolll horn* STATE RENTALS Bkr. 747-9434 1149,000. Must set to appreciate JO- site refrigerator, sli 100.000 BTU. rIs will pick up used furniture In STATE RENTALS Bkr 747-9434 celling hanging, space heoter. s.W 80. Bicycles/ TINTON FALLS - Bosement, yard, condition, tai deductible 141 MATAWAN - Ken Garden, big one 950 Rt. 35, Middletown, 671 3300, SM she" relooder. MEC 100 Jr., UC HOUSE SOLO. EVERYTHING MUST kids, pets ok, three bedrooms, option and Nro-bedroom oportment* storting 47)4341 GO - March 12, • to 4:30. IS Bown* Mini/Motor Bikes to buy, IMS MIDDLETOWN — N*w four-bedroom at $210 Corpeilng mrooghoul Air con RED BANK - Two-family. Immocu Ave . Atlantic Highlands, art Avenu* BICYCLE - Francli ItspM. In good STATE RENTALS Bkr. 747-9434 Colonial with full dining room, eat-In TURN YOUR DIAMONDS INTO dttlolnlng Lots of porklng. Swimming 671-5650 late home, all new heating, watl-to- JTRRATOLOUNGER - Good condl O. kitchen and gorogf. 143.900. Includes DOLLARS — Convert Old Jewelry lo pool and Tennis courts. Your very own wall corpetlng, new baths, full bose- Call 711 nil A FANTASTIC BROCHURE*of homes all closing costs i\ financing aval its. PORCH SALE - HOUSEHOLD CaMlTttO' i DONN PON'S JEWELER'JEWEL"-S Wl'll patio. Walk to llmaplng and N.Y. City ment. Fenced yard. Must see 110O0 lim 103 Rentals To Share n Monmouth County* It's yours If you able 717-1540 or W 3SO0, Caflf4*>l2« after S:» ITEMS - IS Branch Avc., Red BoM Buy from private owners ond estates commuting 5t3-40lb Open 10 a.m.-* cosh buys this property Owner will ANTIQUE CLOCKS REPAIRED AND WOULD WIDOW — Like to share her write or call Betsy Rots Agency, IT STUDIO SOFA BED - Maplt from* W 1131 ANTIQUE p.m., Mon. to Frl. MIDCHFTOWN Ont blork from take back second mortgagt. Principals t2. Swimming Pools ' L(V DESIGNED 7»l River home ond expenses with another ac Rl. 35, Ktyport. N.J 07735. Phone (Mr «W> two end tablet JEWELR' Boyvtew School, Leonordvllle Rd. only. Asking 173,000 171-1945 offer 9 SWIM POOL DISTRIBUTOR Hov*n. N.JMJ4JS7. live widow on pension? Mlddtttuwn 344-3454 All for SM 747-1)44 Rd., Folr I- MODERN GARDEN APARTMENTS Four bedroom Colonial with kitchen, p.m. Needs space. Must sell brand new If 74 Atlantic Highlands orea*Call 4-9 p m , 73 Machinery For Sal* - Convenient to Parkway, Rt 35 ond APPLEBROOK TWO — Section of dining living family rooms ond go- hug* 31" luKUry above-ground pools •424097. RED BANK - Two-story, three-bed- THREE WAY - Convertible'ColTitr ONE 4 BENOING BREA1C - One 14 It. New all transportation, shopping Middletown! Exquisite three-bedroom root. »47,9O0 i% down financing avail coSoletcomplete wliwitrh — room. Oil heat. Evcellent condition bt*V carriage U0 Reclining car scat, ffauoe Plthbufah machine Beit offer REAL ESTAT centers and schools Call between 9-5, home on beautiful wooded 'i ocr« able W SSWor 71N54C No through traffic Near bui and roll avertlM . Call fit-IQM Asking Wf), F woodburning fireplace Formal dining sfollatlon. Fin. ,, K I N T A L i 171.900 741 1415 offer ip m ioonclnnclr.g aavailablev . Call 104 Winter Rentals room, eat-In kitchen, wall-to moll car MIODl F TOWN HOME AND BUILD- TORO 197* KEV LECTRIC - 31" Joey collect, T MONMOUTH BEACH WATER 3U 3116 FALL RENTAL Vocation twnte Mt letlng are a fey/ amenities lectured ING LOT - In flnt area of River K, 31'Scott t spreader and FRONT - Fireplace, all appllonces, 77 Pets And Livestock Pocono, Penn. Four bedroom cholet, »rlced Ot 455,900 OAKDALE Plaio Featuring four-bedroom Cope RIVER OAKS - One of Folr Hoven's pool ond tennis courts. Rent 1395 or -—rtfvejn REALTY, 79 Oak Hill Rd , Middle »lthlt most desirable areas Winding tree- AKC BLACK LABRADOR RETRIEV S3. CBs, Electronics 101 Apartments Jell 1J4.W Coll m 3301 TRIPLE WIDTH DRAPES - Yellow town, 741-5900. ate o lined street on part ot an aide estate ERS - Parents on premises Coll otter AAA RENTAL SERVICE - N*w rtnt- Mai wtth traverse rod, US, electric CB NAVAHO BASE - TRCSS Al NORTH LONG BRANCH - Three bulldlno lot f This home offers contemporary styling • pm.747.77SI. ti tWIy, n*v«f a H* lor Iwant F APPLEBROOK RANCH — Three bed fUftV with carrying case, 140, Hormo lenna also ovailoble. Sears mobile, 33 w one-bedroom apartments In older serious buyer and o pond-front setting Trie trans- lihed and un.urnlthvd homti and rooms, living room fireplace, forma nycsawstlc guitar with case. 440 M3 AKC REGISTERED - Ooberman channel Coll 717 771! home. From sl» to 1115 Alt utilities MOUNT POCONO - Skiing. Four- 741JJM, ferred owners will miss the vaulted oportmtnl. TEICHER AGENCY. dining room, wall to wall carpeting pups Champion sired Included. One month't security bedroom Chalet Fireplace, two batht. ceilings ond wall to wall windows that REALTORS, .17 Octonport Avt , attached gorag*. enclosed rear court MIDDLE TOWN — Hoveslnk It the sel- Call 2*1 1U4 private country club, Ice skating ond lei In The views. Seat 11 for dinner din TWO REFRIGERATORS - 17 cu. ft. 84. Merchandise OcMnport. S4J 3500. needed. Call 747 5293 or UJ JIN yard, mint condition Priced for quick ling tor this three-bedroom, two-slory tobogganing Weekertd, weekly or Ing room. Den. Three bedrooms Fire •M 14 CW. ft White ond copaerfone AKC SIBERIAN HUSKY PUPPIES — le, 154,900. Principals only e7l-93M. Bicentennial site home, Two full PORT MONMOUTH — Attractive one- monrfily rates available 322-5543. ploce. A unique home tor thai unique Harvest gold, slip-In range. Caloric For sale Parents on premises Bree Wanted ATLANTIC HIGHLANDS - Capri boths Living room, dining room, bedroom studio SI75 plus utilities. Family U7.9O0 Coll now 3f1-JM9 der-sdoot. Coll otter Ap.m.. 74M3UO Apartments. One ond two-bedroom kltcnen, full dry basement New elec AAAAAAAA Imenls now available MM and Business Individual preferred. Call SEA BRIGHT - Furnished studio effi- CENTURY 21 COZENS ciencies and motel units Weekly ond Wi IIIHIISII »»»» w v*. ui ww,r • S» . ••••! trie, new walls, new plumbing. All new LIQUIDATE UNWANTED ANTIQUES. a month, includes heat, hot woier, 671-0631 after 5. REALTOR monthly rales. Maid service utilities master bedroom, formal dining room stormt and screens. Owner asking JEWELRY. RUGS. FOR CASH parking and pool. Close to trans- IU River Rd Fair Haven si. Htlp Wanted SI. Help Wanted RED BANK - Bring kids, two targe Included No lease Trade Winds Mold eat In science kitchen, den, 20 family S41,«O HERB HEAD ASSOCS.. Real INTERNATIONAL GALLERIES portation, marina and ocean. Please M1*MM bedrooms, porch ond yord. 1195. ond Marina. 142-1137 room with raised hearth fireplace, utll- lor.7»-2100 10 Riverside Av*., Red Bank 7474300 call for appointment. 3fl 000* No pels. STATE RENTALS Bkr. 747-94)4 ly room, attached garoge, Vt acre RUMSON AREA - Send for "Homts WEST END - SPECIAL RATE. Mar MONMOUTH BEACH - Four bed ATLANTIC HIGHLANDS - Gat fr**, plus. For Living" brochure, pics, descrip- RED BANK — Duplex penthouse with 1 to May 30. HALLMARK APART room Colonial, dining room, living ALL LIONEL TRAINS h«at fr««, four lorn* bedrooms, rir« MELMED REALTY 471 5450 tions, prices °n available homes AP Or Flyer. Too cash appraisal. >44»*3, balcony overlooking the Noveslnk MENTS, 752 Ocean Ave. 239-7455. room, family room. Two-car garoge p4oc»,«» Two-bedroom, two-bath, dining room. ATLANTIC HIGHLANDS- New Treed lot Under construction, Duy di ANTIQUES - Anything old. Furnl STATE RENTALS Bhr 74? MM 741-QSU. homes Bl level or Ronch Buy direct red from builder Coll 671 1163 or 142 turf, china, gtoss, dolls, Itwelry. rugs om builder and love Call 291 \6U REAL ESTATE 106 Furnished Rooms 0999. U1.900. RUMSON - 143.000 On Noveslnk Riv- Top cash paid Mory Jon* Roosevelt ATLANTIC HIGHLANDS - ThfM RED BANK — Four-room apartment. >. 14? 11W bdo dl l d d Excellent location U25 per month In- CHOICE OF FURNISHED ROOM ATLANtlTTlTGHLANOS — Live Yen er. Clear title Surveyed. Termite ton now. Call. cluding oil utilities Lease, references, Or studio apar truer a lerrr ree. own a ane-famlly house, a two New Homes For Sale fro) certificate. Shoot freei Sewers SALES ANTIQUES STATE RENTALS Bhr lecurily. Coll 7474MB. Call between Upn amlly house ond cottage, oil for only U4,000 10 150,000. Call 717 7310. Riparian rights deed. Owner. 142-2934 U5.O60 COUNTRY SQUIRE, Real NEW HOMES - iX down flnonclng. COLLECTOR'S EYE DEAL AREA N. ASBUHY PARK RED BANK — Four room ond both. ors, 391 3336. Evenings ond Sundays SPRAWLING MIDDLETOWN Wr Have l»« •pntags far riptTlrarrd llrf asrtt ml Wonts fine furniture and china CLIFFWOOO - Bachelor furnished From 134,500 Sevrn locations avail- Excellent location. 1330 monthly, utili- 2913470. RANCH - 144,900. This outstanding Professional I * run household room, reasonable rent, private en- rsilf siks assadaln In oar Hoalr IS. MNMIrlavin ties not included. Lew. references, three-bedroom. 2Wbath home has trance, Hwy. 35, next door to Cliff IROKER'SBEST 40'i CARLTON HOUSE security. Call 747 3102 or 747-0434. been priced under the market value lor Met Tts River Read. Fair Haven wood Form Market. Inquire Apt. 10, Four large bedrooms, 20' I ing room LUXURY HI RISE BUILDING OCEANPORT - Three-bedroom, two- a quick sale. V, of an ocre In the Nut 747 463! or 741IJ71 RED BANK-LUXURY BUILDING — with fireplace. Ion—' ig room 110 Dttll Lake Of In KEANSBURG - Furnished rooms ond bom Colonial Cuslom kitchen, sunny swamp oreo of Middletown. Home fea- Elegant 1 and I bMtroom apartments Overlooking Novttlnk River. Spacious country kltckitchenr , 19' family room, tw ELECTRIC MOTOR - Small vorlaol furnished apartments. deck, family room with (ireploce ond tures 25'II13'4" living room, tat-In includes central air, heat, hoi water, 4rt room, fwo-both oporlmenT, MIS ull luxury baths, full basement, oi TI7-eW9or 7I7-9M1 bar UI,W0 Principals only. 733-1174. kitchen, two-tone hot water batoooord BO* ond electric. t*f roe*. 24-hoor door- Air conditioning, elevator, perking oched oarage, many, mony extras. Cdll 47l
I HEAR TELL ) V6P- HE'S SOT A TETCH TITTER'S INJUN PONV j HE SHORE OF TERMITES Crossword puzzle IS AILIN/^f^^y IS,LUKEV- ACROSS 24 That ia. in 43 Uses 10 Looked hard SNUFFV JKvF^ 1 Morry sound Caesar's 44 Animated 11 Deflates 6 Gwoutof time 46 Ponderous 12 Br. artist IMTII 2« Wedgies animal, 13 Departed —^?f<*9 1 10 Put away 27 Cruet for short 21 Getthe La 14 Format onst 29 Dilemma 46 Traduce 15 Gr. tartar 32 Trimming 48 Ulna or 23 Very many 16 Recording too) humerus 25 Jap. gover- medium Drags 49 Skylight- ning body 17 Ral.nv.ol S Antagonist ing 26 Blacken ack-ack 35 White House 52 Historic 27 - with (en ,JWa4 3-61 IBDafanaa name periods countered) syttam 36 Will be 63 TV movie, 28 Fictional Hi and Lois feature able to often bell town 19 Related 37 Box office 6E Pour- 29 Shiver 20 Spread hay smash movie 56 Norse name 30 Sculled GOOD MORNINS, C HE'S RELAXING TD BE AROUND, for drying 38 Numero - 57 Wipe out 31 Agreements BUT I THINK I'M REAt?y FDR 21 Man in the 39 Unstable 68 Sector 33 Moonphe SOMEONE WITH A ItmellgM 40 Martinique 69 Before nomenon 22 Baalnot volcano phone or 36 Quaked UTTE MORE PIZZAZZ. Baale 41 Dolphin gram 37 Vehicle Yesterday's Puzzle Solved: W Office 39 Sully stamp 40 Tube 61 Salamanders 42 Puckered WIIMlllMO MI.IMH [Olin fabric uuuuun uunnnmnn DOWN 43 Triumphant u 1 Weight one uuuu I:IHM on (in 2 Car part 45 Provide uuun finnnn nnn 3 Asking for quarters unnnnnnn mnn comeuppance 46 Mar a car 1 NEVER HEARD OF VEELSCAPPOLONEY.. I BET UUUIIIILIU r.iMnnniii 4 Seek to 47 Lake nr.tPi U'.IK'C'ii^iiri find 48 Kidnem BflgglJ AN'\00 tJONY WWW ^ 'jLIi.i iimnrr nnna j'Mvn inn PI n nil 5 Emphasize Nary Worth 6 Graph 50 Assortment inmmn 7 Change the of type Hie Family CircuH Bv Bil keane decor of 51 People I'M HAPPy TO M'SEU-HE IS Ml RIGHT' 6ET OUT 8 -fastclip 64 Pitching 1 IT 6 MAMME MEET AX, FWJIINE. ATTENDING M30 WORT; SIR?.-SHE OF THE WAY AND LET 9 US soldier- ttat 3/1/77 statesman THIS IS MY WiFE, I AM 5URE yOU WILL IN THE SUH-KlOlt COMES FROM ME HAVE A LOOK AT 56 Verb ending MADAME WORT'/SHE BE A 6REAT HELP ARRIVING HER CONFOUND IT.' WILL TAKE K3U TO TO WE.' ? ENCOUNTER W'SIEU r- f h • ii CttVISTON TTTT rr •*— __ "l~iBsrM~ ; !T TT The Wizard of I WHEPE ELSE CM YC>U UVE5 B jifi TAK& THE FC* A TEMCMVS IP Hid III fct E "Why do I have to be the one to carry the _i—i FLOWERS for Grandma?" ±h
ER IUSTPOPPIN Your horoscope, birthday — THAT WASN'T DOWN 10 THE PUB TO ISRARTSTACE.' DISCUSS THE -TEAM Tutiday, March 8- Born isolate yourself from people once - An expensive social activity affection make life easier all the FOR NEXT WEEK'S today, you are by nature an you have suffered disappoint- may leave you in a state of way around. Be < DARTS (WATCH affectione individual. You arement In the area of romance. depression. Don't give in to feel- however, not to seem 0 : {rfler also, however, a self-conscious Women bom todav may have a Ings of inadequacy. something. person a may find it quite im- tendency to shrink from meeting GEMINI (May n-June 20) - SCORPIO (Oct. 23-NpV.JD- possible to display nqs your (eel- "new" men, following the princi- Keep your eye on the family A good day for romance - ings openly unless you have ple of "once bitten, twice shy." budget Employment difficulties especially if you've been able to known the object of those feel- Men, on the other hand, may should iron themselves out If you pave the way with Iftt.r ings for a very long time. Thus it develop a kind of bravado and lendacalmaasiat calls, and soon over Ihe; istfevi is thai you may miss out on rela- egocentric behavior which, driv- CANCER(June ll-July 22) - days, tionships which might have been ing women away from them, Improve your personal image, SAGITTARIUS 'No not only stimulating but tremen- serve the same purpose as the especially when the younger Dec. 21) - Conflicting desires of dously important to your bappi- attitude of their female counter generation it concerned. Don't co-workers may mak. neas simply because you could part. be overty responsive to what you nerve-jangling day on the '• ELMO, WHAT ARE Ji I'M SHAVING, BUT M5U DONY EVEN HAVE \ THATS WHY IT not speak out in time to indicate Wednesday. March » consider a slight employment scene. K«ep your YOU DOING? MR. SUMSTEAP ANY WHISKERS TO SHAVE/) TAKES SO LONG to another your desire that he or PISCE0 (F*b. W-March » - LEO (July B-Aug. 22)-More own counsel at evening. she should seek closer ties. With Don't capitulate to feelings caution than usual is advised for CAPRICORN (Dec.B-Jan matters having little outwardly aroused by a sudden attraction the early morning hours. You 19) - Another's concern may to do with emotions - finances, to another. Take time to study would do well to remain close to come across to you as inter- for instance - you are not only your responses more carefully. home until nightfall. ference. Take another fcx i at the capable, you verge on being a situation before acting u jnil. genius. Your ability to juggle ARIES (March 21-AprU 19) - VIRGO (Aug. »fept 22) - figures, to make facts do more or A great deal of tact and con- Your personal desires for AQUARIUS (Jan. 20 ftp. 18) less what you want them to is siderabte patience is needed to- another may have to take a back - Give additional consideration botii outstanding and. ultimately, day if you are not to- irritate seat to the wishes of the group. to the fact that you do nu! profitable. those from whom you hope to Discuss options openly want to follow another's gain aid. LIBRA (Sept tfOct 22) - lives. It may be time to no out on You are somewhat inclined to TAURUS (April 20-May JU Demonstrations of genuine your own. SheinwolcPs bridge advice South dealer WH, BUT HE SAC HE HAP by Alfred SheinwoH nali before you rud on. free, Even a bridge player is «y, emw, mm & North-South vulnerable /m?uA veeromvveueMM. CHIEF CULPRIT sometimes Innocent. HEAHPS&WHAYEA This is the time of year to DAILY QUESTION NORTH HBSUPPOSB>1t>B£ •m.cvwe? umcH give your dogs a good work- South was the chief erlmi- JUNIN6US? /mmuea. Partner opena with one 4 A63 out. Give them a deck of cards »•'• "« »nould lead a low club Q to sniff and see if they can [T™ «'• h»nd « »h« »et»nd spade, and the next player track down the criminal or trlck "»tead of using up a passes. You hold: *872 0 9864 criminals in today's hand. t.ruraP »• >*** club» '">" ">« "7J109 OJ758 4AJ8. What • 54 do you say? Declarer played dummy's dummy. WEST EA8T If a trump comes back at ANSWER: Bid 1 NT. This t n d • 872 *6 Fw" nl?^ wTt'h ttVr, , 'he thirT't/ick; South" Wins Promise, about 6 to 10 points. ^ J 109 ^1(862 te^^aceofU'r"^ .nd lead, a second club. AL if You mighght considecner a raisrlTse to two spades, but should decide OJ753 OQ102 led a spade to dummy's ace jnother trump «»n«.back, S ou h w nl nd uff h s against a raise with three low • AJ8 •Q10973 and returned a club, losing the . ' . ! » J " J '"' trumps when you have no lub ln dum m 0 1 h n 0 SOUTH king to West's ace. « . . y' S "" " ruffing values. • KQJ1094 West returned a trump, further problem,
The Phantom Beetle Bailey
IN P€ SKULL CAVB... \ THAT'S AW FATHER'S VAULT. AS 1$ OUR Sf MEANT/I'VE HAP IT THE /VO9T IMPRESSIVE OF ALL! W CUSTOM, I PUC6P OTTO HEUE WITHMUffi. 20 etSNERATION6 Of VOUK. M HM THEKE /MV9ELF. ANCESTORS 0UF?IB> HERE.' OH 7H6MlllTARy UNIFORM/1
KM US.. AUVBE FOR/ILL MEN... DS/rrH IS /H.WW& JU6T /WOUNP THE CORNER. SHREWSBURY. N. J. TUESDAY. MARCH 8,1S77 Keaveney is 'Irishman of Year'
SPRING LAKE HEIGHTS Peter J. liorley, president tant vice president for the Among Mr. Keaveney's affi- — John L. "Jack" Keaveney of the Sons, said: "We are ex- Central Jersey Bank and liations are Munmouth-Ocean of Shrewsbury hit been se- tremely pleased with this Trust Company, Freehold. Development Council, past lected as the "Irishman of the year's choice. Jack-Keaveney Prior to joining the bank It president and member, exec- Year" by the Friendly Sons of is a trustee of the organiza- years ago, he retired from the utive committee; National FBI after 24 yean of service. Conference of Christians and St. Patrick of the Jersey tion and is very close to many Shore. At the time of hit retirement, Jews, Inc., past president; of us. His record of commu- The award Is given an- Mr. Keaveney was In charge Monmouth-Ocean Counties nity service over the years is nually by the group to a shore of the FBI Red Bank agency. Chapter; New Jersey State resident of Irish heritage. II almost without parallel as far While with the FBI, he served Lottery, commissioner; Mon- will be presented at the as the many Monmouth Coun- in Miami, New Orleans, mouth County Historical As- Friendly Sons fourth annual ty organizations that he has Washington, D. C, New York sociation, vice president; dinner here Friday in Mike served so well " and Newark. He is a graduate Monmouth County Employers Doolan's Restaurant. Mr. Keaveney is an assis- of St. Joseph's. Philadelphia Research Council, vice presi- dent; Society of Former Spe- cial Agents of the FBI; Red Bank Area Chamber of Com- merce, director, and Mon- Fort employe nominated mouth College, member. President's Advisory Council. for handicapped award This year's selection com- mittee for the Sons were Jo- KT. MONMOUTH - Ken- seph V. McLoone, Thomas Ma t. Kearney neth J. Moser, a civilian em- Powers and James S. Des- McGowan, Brother Bernard ploye here, has been named mond. Former Irishmen of McKenna of Christian Broth- ECOM's candidate for the the Year include: Superior ers Academy and Monmouth Court. Judge Raymond RECOGNITION - Vincent J. Valona of Lincroft Pharmacy, Newman Army's Outstanding Handi- County Sheriff Paul Kiernan. Springs Road, right, receives a plaque in recognition of his donation of $500 capped Federal Employe of to the Rutgers University College of Pharmacy. Making the presentation the Year Award. on behalf of the college are, from left, Terry Stevens and Robert Lane. The Mr. Moser, a West Allen «00,won by Mr. Valana In the Burroughs Wellcome Co.'s third annual bust resident, is blind. Af- Bayshore Republican pharmacy education program, was given by him to the college, where It flicted by congential retlnitls will be used to establish a revolving loan fund for pharmacy students. pigmitosa, he has had a life- long hearing problem and group adds Red Bank wears two hearing aids. During his college years at EAST KEANSBURG - The University of Miami, Florida, Bayshore Republican Organi- Red Bank joined Bayshore Red Banker pleads guilty where he majored in manage- zation, reorganized after four municipalities Middletown, ment, he recalls a gradual re- years of dormancy, has added ' Highlands, Atlantic High- alization of his reading slow- Red Bank to its membership lands, Keansburg, Union to 30 counts, sent to prison Ing down, but for some time and invited three Middlesex Beach, Hazlet, Holmdel, Key- was unaware that blindness County municipalities to join < port, Matawan and Matawan FREEHOLD - superior in Red Bank and Tlnton Falls breaking Into a vehicle be- was overtaking him. A liprea- its ranks. Township. BRO Is Inviting Court Judge John P. Arnone last September and October. longing to Palamara Brothers der most of his life, as his Approximately 35 persons Old Bridge, Monroe Township has sentenced a Red Bank Among the charges he admit- Shell Inc., First Ave., Atlantic sight began to diminish he attended the second BRO and Jamesburg to become ac- man to state prison for 12-to- ted were possession of heroin Highlands, on Oct. 20, 1175 In lost that facility also. meeting in three weeks in tively involved in its efforts. 15 years for his guilty plea to and vallum, and larcenies Atlantic Highlands. In spite of his physical Buck Smith's and heard Ben- Albert E. Allen, chairman IS counts of breaking and en- from Foodtown, Newman Santiago Pagan, 24, of problems, he continued hit jamin H. Danskin, county Re- pro tern, said, "It was felt tering with intent to steal, Springs Road, and from the Court St., Freehold, was fined education and did graduate publican chairman, call for a that In this legislative election two counts of entering with- homes of Viola Burrowes, CM for his guilty plea to re- work at Seton Hall Univer- Republican victory in the No- year lines of communication out breaking, 11 counts of Bridge Ave., Clarana and sisting arrest by Michael sity, South Orange, where In vember general election. should be kept open. With theft, one count of robbery Hartwell Webber, Maple Whaley, a Freehold patrol- May, 1171, he obtained his "We have seen In he past these towns In the 12th Legis- and three counts of possession Ave, and Alice Markham. W. man, in Freehold last Aug. 2. M.A. in education in rehabili- NOMINATED FOR AWARD - Kenneth J. Moser tew years what political tides lative District, the BRO Is the of drugs. Sunset Ave., all Red Bank. tation counseling. He joined of West Allenhurst, a civilian employe at Ft. Mon- can do. We have been on both • best way to do it." Philip Rock, 24, of W. Sun- mouth, has been nominated as ECOM's candidate sides of them," Mr. Danskin The group will stage a can- He also admitted thefts in the Army Electronics Com- set Ave., Red Bank, com- for the Army's Outstanding Handicapped Federal said. "The feelings of frustra- didates' night March 31 in Tinton Falls from Hi Katz Struck by car, mand In 1>71 mitted all the alleged offenses Employe of the Year award. tion with the state adminis- Buck Smith's. All candidates Cleaners, Riveredge Road, At the fort, he works as a man is critical tration and the ineptness of aspiring to legislative or and the homes of Arthur personnel staffing assistant in HAZLET - Robert nam era veterans, of whom to the legislature to come to county offices will be invited Cross, Steven Ave., Gwendo- the Army Electronics Com- involved in applying for fed- Schweitzer, 45, of Rapelye date he has hired 224. He also grips with real problems of to participate. Howell firm lyn Edmond, Plum St., Vic- mand's Personnel, Training eral positions under the com- Place, West Keansburg, re- counsels veterans seeking the state are generating a re- Election of BRO officers toria Johnson, Garden Place, and Force Development Di- petitive system. mains in critical condition In federal employment and ad- sentment toward our Demo- will take place at the same wins garden Ishatn Milliard, Howard Ave., rectorate. Mr. Moser. 36, is single and the intensive care unit of vises them as to procedures crat counterparts," he contln- meeting. Francis Edmond, William St., In his job here he is respon- lives with his parents. Bayshore Community Hospi- Alexander Perry. William St., sible for the overall adminis- show honors tal, Holmdel. after he was and Marguerita Forrest, New- tration of ECOM's special MORRISTOWN - The struck by a motorist on Rt. 36 man Springs Road. employment program for the Julius Roehrs Co., Howell Saturday night. handicapped, counseling Township, has taken top hon- Gty Cuffle, a of Van Dom St. According to police, the vic- handicapped applicants for ors at the New Jersey Flower Keyport, was sentenced to 384 tim left Ted's Bar and Grill employment, assisting in and Garden Show for a tro- days In the county jail, of on Rt. 36 at approximately their placement, and guiding pical garden landscape de- which nine months was sus- 11:14 p.m. Police said he ran their supervisors in matters sign. pended, and was placed on across the highway on foot, of special problems these The company was awarded probation for one year. He jumped a road divider and handicapped persons may an- 87.6 points in the judging. The pleaded guilty to an atrocious landed in front of a car driv- ticipate. judging is based on landscape assault and battery on Ray- en by Ruth Salayi of Ave. A, He hat been particularly design and plant materials in mond Robinson, no address West Keansburg. Police said active in the hiring of Viet- a tropical garden. available, in Keyport last Mr. Schweitzer was apparent- The garden was designed July 21. ly intoxicated at the time of and made by Suzanne Fie- Dennis Giebler, 20. of Mon- the accident. No summonses Master plan hearing mer, who made her first ap- mouth Road, Oakhurst, was have been issued to either TINTON FALLS - The pearance in the show last given a suspended reforma- party, however, according to Planning Board has scheduled year. She has worked for the tory term, placed on proba- police. a special master plan meeting Roehrs company since Sep- tion for one year and fined Patrolman Larry Hawkins for 8 p.m. tomorrow in the tember, and was also em- 1250. He had pleaded guilty to was the investigating officer. Municipal Building. ployed there for a while in 1975 The garden depicts a home hobby garden in the tropics, with a background of palms, treeferns, flcus trees and and in phalanopsis orchids. A water- fall flows into a pool that Is the backyard spanned by a bridge. Brightly colored bromeliads decorate the surrounding gar- there is a den, and the pool itself con- tains delicate water lillies. Vegetable garden. The show is open from 10 a.m. to 10 p.m. dally except Sundays, when it closes at I p.m. The exhibit will continue through Sunday. Two are hurt in Hazlet crash HAZLET — Two persons - were Injured after a car struck a utility pole in the A & P parking lot, Poole Ave. CHOOSE and Rt. 36, at 10:43 p.m. Sat- You've got a choice! Ma Bell will urday. supply you with either one or both. . Treated for lacerations at Bayshore Community Hospi- It's the same with savings ac- tal. Holmdel. was Michael counts at Keystone. You cap Coppola, 20, o( 2« Region niOUBS between a passbook ac- Drive, here, who was driving count or the modern "statement" the vehicle. In fair condition savings Key Account. in Bayshore Hospital is a pas- senger. Kim Meyer of Poplar Like the modern telephone sys- Ave.,"Here. She suffered a tem, "statement" savings offers broken pelvis and ankle, po- ; ygii-thejatest in conveniance ert" lice reported. Both were LAWN AND GARDEN PAGES WF«"Y , I service. Every month you get a mm* transported to .the hospital by complete descriptive picture of the local first aid unit. IN THE REGISTER'S FRIDAY EDITIONS. your banking transactions — at a The cause of the accident is glance. But, there's much more to still under investigation, ac- It lakes a bit of tender loving care, a You will find interesting suggestions "statement" savings. Curious? Call cording to police. dash ol imagination and the right se- and helpful hints every Friday in the 775-3131 and aslt for our detailed Patrolmen Edward Pod- lection ot ingredients, mix them gently Register's lawn and garden pages. "Key Account" brochure. It's free! stawsi, John Murphy and together and just see how lovely your And there too will be advertisements Stephen Guardino are in- home and grounds can be. And we'll from local businesses offering every- vestigating. help you make your preparations thing needed to make your grounds and home attractive. NIT bus ride is scheduled STARTS MARCH 11th MATAWAN - A bus ride to the National Invitational Tournament basketball semi- The Daily Register finals March 17 in Madison 13 Keystone Saving* Square Garden is being spon- sored by the Recreation Com- NEPTUNE • A5DURY PARK- MANALAPAN mission. The Sunday Register Kenneth Szyarto, commis- MONMOUTH COUNTY'S GREAT HOME NEWSPAPERS MEMBER FS L.I.C sion director, may be con- tacted at Borough Hal for ad- ONE REGISTER PLAZA, SHREWSBURY 542-4000 ditional information. The Daily Register SHREWSBURY, N. J. TUESDAY, MARCH 8, 1977
Consumers have difficulties in obtaining some coverage
By WILLIAM GORDON option of refraining from • experiencing severe losses on With only two exceptions, the GEICO — for Its decision to Insurance Information In seeking new business or ceas- their New Jersey business. 1975 losses were greater than discontinue operations In the stltole ing certain of its operations in Some examples: In 1075 al- those experienced in 1974 — state as soon as all present order to avoid serious finan- one, one major insurance another very unprofitable obligations are met. GEICO NEW YORK - During the cial problems which could company lost $24 million; an- year for these companies. has about 200,000 regular po- laat several month', many lead to Insolvency. other large company suffered Severe losses were also reg- llcyholders and another 90.000 property and liability insur- When insolvencies occur, a loss of 15.95 million. A New istered In providing auto drivers assigned to it by the ance companies have decided the fallout may affect policy- Jersey-headquartered small physical damage Insurance New Jersey Auto Insurance either to limit their oper- holders of solvent companies. insurance company lost $3.S coverages. In 1975, the losses (Assigned Risk) Plan because ations in New Jersey or to Just last year the New Jersey million, while an office of a for the top 15 companies they are unable to obtain in- stop doing business in the legislature. In order to assure company serving the northern ranged from 3.8 per cent for surance through normal chan- state. that thousands of outstanding 14 counties of the state lost New Jersey Manufacturers nels. Aa a result, says the Insur- claims against the insolvent 11.14 million Insurance Company to a stag- At the end of last year, two ance Information Institute Gateway Insurance Company In most cases, the losses gering 83. ( per cent for the other insurers — Unigard here, it is becoming increas- would be paid, passed an have been the heaviest In Insurance Company of North (with about 10,000 pollcyhol- ingly more difficult for New emergency statute which im- auto insurance. Dramatic evi- America. ders) and Peerless (with Jersey consumers to obtain posed a surcharge of \ of 1 dence of this is contained in Nevertheless, during the about 8,000 policyholders) — certain kinds of essential insur- per cent on all auto Insurance the table accompanying this last two years, rate requests announced their intention not ance coverages — such as policies and Vi of 1 per cent story, showing the 1S73, 1974 of the Insurance Services Of- to do any further business In home insurance, business in- on other coverages. and 1975 New Jersey ex- fice — a nationwide statistical the state. surance, and particularly Insurance companies are periences of the state's 15 organization whose rates are Should insurance companies auto insurance — in the nor- curtailing their New Jersey largest auto insurance com- used by approximately 50 per continue to experience heavy mal market. Without these in- operations because their fi- panies. The "combined ratio" cent of the providers of New losses, It can be assumed that surance coverages, fewer nancial stability is threat- columns show the sum of the Jersey's auto and home insur- many will restrict their New people would be able to ob- ened. ratio of losses incurred to pre- ance — have been delayed an Jersey business and that tain loans, to buy homes or During the last few years, miums earned and the com- average of six months. some others will cease enti- cars, or to go into business. double digit inflation has driv- missions and expenses in- The amounts requested by rely their operations In the Obviously, it is in the public en up markedly the costs of curred to premiums written. ISO for Increases in rates for state. Those companies still interest to alleviate this insur- things for which insurance In simple language, if a com- basic coverages alone were doing business in New Jersey ance availability problem as pays — such as medical care pany "broke even" on its auto reduced a total of 119 per cent are already finding It ex^_, soon as possible. The institute and auto repairs. To counter insurance underwriting, the for auto insurance and 42 5 tremely difficult, if not impos- explains why this insurance this, many companies have ratio would be about 100.0 per per cent for homeowners in- sible, to absorb the pollcyhol- crisis has evolved and how sought rate adjustments. cent. Anything over 100 per surance. Overall, these reduc- ders from companies that the Insurance business pro- In New Jersey all rate cent represents a loss on un- tions, from the amounts of in- have, in effect, left the state. poses to overcome it changes are subject to the derwriting operations. crease originally requested, A continuance of this situ- Managements of insurance "prior approval" of the state The table shows that in represent a total or $90,476,000 .ation will create an even companies have to make busi- Insurance department. In 1975, each of the top 15 com- of auto Insurance premiums more severe "market crisis" ness decisions similar to those many instances the rate ad- panies experienced severe and 111,258,000 of homeowners than now exists. Already, made by managements of justments requested either losses In providing auto liabi- insurance premiums lost to thousands of insurance com- most other businesses that were not granted or were ap- lity Insurance. The losses the companies. pany and agency employes provide a variety of goods proved only in part, often af- ranged from 17% per cent The failure to get needed are threatened with loss of In- and services to consumers. ter delays of several months. (General Accident Group) to rate adjustments was the come and/or Jobs. As an example, a store As a result, most New Jer- M per cent (Motor Club of main reason given by one of There Is no quick and easy manager checks on a regular sey property and liability in- America Group) for each dol- New Jersey's largest provi- solution to solving New Jer- basis (he profit and loss fig- surance companies have been lar of premium collected. ders of auto insurance — sey's Insurance availability, ures for each kind of item of- problem. However, the Insur- fered for sale. If over an ex- ance Industry Is united In Its tended period of time the belief that replacement of the store is unable to realize a NEW JERSEY PRIVATE PASSENGER AUTO INSURANCE UNDERWRITING RESULTS current system requiring the profit on a particular item, Total Auto Liability Physical Damage prior approval of all rate ad- the manager may decide to Direct justments by the insurance refrain from trying to sell Prems. Combined Ratio Combined Ratio departmeiR is the logical first that Hem or to keep only a Earned* 1975 1974 1973 1971 1974 1971 step. small quantity on hand. Cer- Allstate tt.Nt 139.8 121.2 127.9 111.4 9t.2 M.I To replace prior approval, tainly, the manager will not Govt. Employes U.E91. 1*8.4 118.9 194.2 129.1 112.2 199.9 the Insurance business pro- be willing to absorb contin- State Farm 21,129 115.5 118.7 99.2 195.1 19.2 82.2 poses the adoption of "com- uous losses on any particular N.J. Mannfaclnren 24,998 129.8 1(3.8 122.1 1(2.8 87.8 84.9 petitive rating," a form of item. Motor Clnb of Amer 17.M2 U4.9 I94.C 111.2 1M.I 9J.7 91.9 rate regulation under which , Property and liability insur- INA 18,922 1M.3 125.9 114.5 182.1 158.2 118.1 the requirement that rate ance companies are business- Liberty Mutual 1S.899 111.2 128.4 94.9 122.8 191.3 99.3 changes be subject to the ad- es, also. Insurance company Travelers 14,411 139.4 128.9 94.9 11(4 1M.9 97.8 vance approval of the insur- managements review care- Aetna L k C.....'. 11.5*2 127.5 197.1 198.1 125.9 192.7 99.8 ance department would be fully their profit and loss.ex- Selected Risks 13,171 139.1 125.3 113.1 117.4 1(1.2 99.8 eliminated. Companies then periences on each type of in- Hartford Group 12.389 143.9 129.4 134.5 127.1 1N.7 199.8 would determine appropriate surance provided. If over an Fireman's Fund 9,792 127.7 123.2 112.7 112.2 98.8 97.* rates, based on their most re- extended period of time a General Aeddent 9,728 117.5 113.7 117.5 1(4.3 84.5 8T.( cent loss experience and pre- company pays out substan- Continental Ins J.MI 1».4 115.8 . N.3 125.7 99.S 84.2 vailing economic indicators, tially more in claims than it Royal Globe 7,849 129.5 129.7 112.8 113.8 91.7 88.2 and place them in effect im- collects in premiums, severe Note: Combined loss and expense ratio Includes dividends to pollcyholders, significant mediately. This would enable losses result. Unless rates are only for New Jersey Manufacturers Insurance Co. the companies to adjust their adjusted, an insurance com- •M( emitted. rates to changing conditions, pany — faced with the pros- Soiree: Best's Insnrance News Digest, Jnly 21, 1971 — published by A.M. Best Co., Old- moving rates upward or pect of suffering additional wick, NJ. downward as acts*! *~ losses — has » ^...... U.. See Ceamnwrs, page 2 Double indemnity rules explained Your $10,000 Ule Insurance accident occurs while the po- And at younger ages—from coverage, even though he death resulting directly and policy can mean $20,000. licy holder is riding ai a fare- early childhood through the may be able to get his basic solely from (1) an accidental fM.OM or even up to $50,000 paying passenger In a public middle 30s—they are the lead- policy standard rates. injury visible on the surface for your beneficiary If you conveyance operated by a Ing cause. So, particularly On the other hand, a person of the body or disclosed by an should be killed in an acci- common carrier. among young families with who has to pay a higher pre- autopsy, or (t) disease or in- dent. limited funds, an accidental mium for his basic policy due fection resulting directly from I There are differing opinions to Impaired health may nev- an accidental injury, or (3) For a small additional pre- as to the need for accidental death rider attached lo their mium, virtually an Individual policy can provide useful ex- ertheless be able to get acci- accidental drowning. life insurance policy can in- death coverage. A person is dental death coverage at They normally do not cover far more likely to die from tra protection at little cost. clude extra coverage in case The cost per $1,000 of extra standard rates. death occurlng more than 90 of accidental death. This Is natural causes than from an This coverage normally is days after an accident. Nor accident. And accidental coverage generally ranges commonly called "double in from less than $1 a year at not available for children un- does It cover any suicide of detpntty," because It usually death does not necessarily in- der five years old and it usu- self-inflicted Injury; death re- crease a family's financial young ages to around 11.79 at provides twice the basic older ages. ally expires when a pollcyhol- sulting from being the aggres- amount of Insurance if you needs. In fact, the need for der reaches age 70. sor in an assault or felony; money may be greater if A person with an unusually are killed In an accident. But hazardous occupation or who (Although, with a whole life air accidents in which the po- many life companies now of- death follows a lingering ill- policy, he can keep his basic llcyholder Is aboard an air- ness and heavy expenses. engages in risky sports may fer "triple indemnity" and a have to pay a higher pre- life insurance coverage in craft as a crew member, few offer up to four or five Consequently, some experts mium for accidental death force the rest of his life.) trainee or performing any op- times the basic amount of a feel accidental death cov- coverage, even though he The terms of accidental erational duties; or acts of policy. erage may mislead • family may be able to get his basic death coverage are quite spe- war, whether declared or un- With some policies, a Into a false sense of financial policy standard rates. cific They typically refer to declared. "double Indemnity" provision security. On the other hand, a person automatically becomes Accidents are the third who has to pay a higher pre- "triple Indemnity" if the fatal most frequent cause of death. mium for accidental death Consumers have difficulty obtaining some coverage (Continued) — Tight markets, In which of the property and liability perience and economic condi- many people have difficulty insurance written in the tions warranted. obtaining the insurance they United States. Rates would continue to be need, would be eased, if not In recent testimony at a subject to review by the in- eliminated. public hearing of the New CANADA LIFE surance department to be — Rates would be adjusted Jersey Assembly Commerce, sure they are not inadequate, regularly and gradually, thus Banking and Insurance Com- excessive or unfairly dis- avoiding situations when sev- mittee, the former New York criminatory. The department eral years' adjustments are superintendent of insurance, would retain the authority to rolled Into one. Benjamin Schenck, said that disapprove rates and to im- — The state insurance de- prior approval regulation pose penalties. partment would be freed of should now be repealed — The insurance industry be-y the necessity of processing simply because it is no longer 130 YEAR OLD lieves the adoption of com- considerable numbers of rou- necessary. "In other In- petitive rating would be ad- tine rate filings and holding dustries, price competition vantageous to both consumers numerous lengthy hearings on among competing sellers is COMPANY and insurers: rate applications, and would relied on lo keep prices rea- — Insurance rates would therefore be able to better sonable, and there is every become more responsive to concentrate its efforts and re- reason In theory to believe the forces of competition and sources on regulating the that price competition would to actual experience. This overall operation of the insur- work especially well In Insur- . . . with a modern would guarantee reasonable ance business in the public's ance." rates for both insurance com- Interest. approach to business panies and policyholders Statutes embracing the — Insurance companies, competitive rating concept to Croup life seen able to compete freely and to at least some extent are as no substitute and personal insurance innovate in price, product and presently operating success- Despite the continuing service, would be better able fully In II states — including growth of group life Insurance to meet the needs of the In- New York and California - protection, a clear majority surance-buying public. which account for about half of Americans still feel there is no substitute for personally owned life insurance. Your Canada Life agent THE COMPLETE INSURANCE A survey by the Institute of knows your life style . . . AGENCY SERVING MONMOUTH Life Insurance showed that 58 per cent of the people ques- A OCEAN COUNTIES tioned agreed with the state- he lives it. ment "I think of employer group life insurance as some- thing extra that one gets at Dickstein little cost — but it doesn't take the place of personal life Insurance." Only 14 per cent COLONIAL VILLAGE MALL Associates Inc. disagreed, the remainder hav- 1060 Highway 35 Mlddletown ing no strong opinion either 671-4203 AUTO • FIRE - LIFE way. HOMEOWNERS HEALTH MARINE TRUCKERS TED McGINNESS LIABILITY INSURANCE AGENCY BURGLARY WORKMEN'S COMPLETE INSURANCE SERVICE COMPENSATION
MATAWAN LAKEWOOD 566-0700 363-8400 21 BROAD ST. 740 IIOVO RD - JUST WEST •ATONTOWN, H.J. 316 MADISON AVC Of OARMN STATt PKWY 542-O740 . Income protection offered women .J There was a time not too look into disability income provide between 90 and (0 per rity, Workmen's Com- long ago when any wage ear- protection as a source of help cent of the worker's gross in- pensation, saving!, income These would be the key con- ner who suffered a serious In- In case of an accident or long come. The money is paid in from investments and insur- siderations for her in deciding jury or Illness could expect illness. regular weakly or monthly ance. whether additional protection serious financial setbacks if In addition to husbandleis payments. She ahould then consider is needed. Her family insur- he had a family to support women who head their fami- The insurance Is provided how much additional Income ance agent can advise her on and couldn't work. lies, recent U.S. Department both for short-term dis- she would need to live on and the type of policies that Insur- of Labor statistics show that ablement or sickness—up to support her family, and how ance companies make avail- If that wage earner hap- able. pened to be a woman who there are many other women two years—and for long-term long a period she may need It was the bead of her family, a whose loss of income might fi- periods—up to age IS or even long period of unemployment nancially endanger the house- for life. waa almost certain to result hold. These Include some l.S In tile beginning of 1*75, the In financial catastrophy for million wives in the labor institute reports that some H her household. force in 1(74 whose husbands million people had short-term LAWLEY were either unemployed or disability protection and some In recent years, however, a unable to work, as well aa the 18 million had long-term dis- growing number of women 3.8 million wives who were ability policies. who are the heads of their the major breadwinners of How doe* a working woman AGENCY families have Income protec- their families. determine the amount of in- tion in case of a disabling ill- Last year Insurance com- surance required to guaran- FOR ALL FORMS OF ness or injury provided panies paid out $2.0 billion to tee enough Income If she through the employer or indi- men and women under dis- should become unable to INSURANCE vidually obtained. ability policies to help replace work? According to the most re- wages, the institute reports. She might first consider cent U.S. Census data, five Until the wage earner can other sources of income that million heads of families be- return to work, disability in- would be available in an 35 R*d Bank tween the ages of 18 and 65, come insurance will usually emergency situation: union or suffered disabilities serious employe benefits. Social Secu- enough to affect their employ- ment, reports the Health In- surance Institute. The Bureau of Census fig- ures also show that Incomes of families headed by individ- uals who were partially in- HIGHEST STANDARDS capacitated were more than $1,000 below those where the OF chief breadwinner had no dis- ability. PROFESSIONAL SERVICE The institute suggests that a working woman, If she is ei- ther the only or the principal breadwinner In her family, COMMERCIAL • INDUSTRIAL Businesses PERSONAL can qualify AUTO and HOMEOWNERS for insurance FREE QUOTES An important function of life Insurance Is to provide fi- We cover all facets of Insurance nancial protection for busi- nesses of all sizes. Including unusual and high rates The latest survey by the In- stitute of Life Insurance found that business life insur- WILLIAM S. GARRISON AGENCY ance accounted for 11 per cent of all ordinary Insurance purchased over a sample pe- riod. The Institute provides these 22 E. Front St. 741-0804 Red Bank, N.J. examples of the most com- Smnlng (ft* community ilnci 191S mon uses for business cov- erages: — Key man protection reimburses a company for fi- nancial loss or covers the cost of finding a replacement if an essential employe should die. MONMOUTH COUNTY — Partnership Insurance makes it possible, when a partner dies, to help pay his family for his interest in the RESIDENTS business, thus enabling the surviving partners to continue the business. WE ARE INTERESTED IN QUOTING AUTOMOBILE AND HOME — Corporation insurance performs the same function in OWNERS INSURANCE TOR GEICO POLICYHOLDERS IF YOU AHF relation to a major share- DISSATISFIED WITH YOUR PRESENT AUTOMOBILE OR HOME- holder's Interest. — Proprietorship insurance - OWNERS INSURANCE COMPANY provides funds for maintain- ing a business upon the death of the sole owner CALL THE — Insurance to aid a firm's credit status covers the own- 462 er or key person during the DITTMAR AGENCY period of a loan or the dura- tion of a mortgage on busi- ness property. 2343 I Finally, when the estate of GOOD SERVICE AND GOOD INSURANCE a businessman consists al- COMPANIES DON'T HAVE TO COST MORE most entirely of his Interest in a business, Insurance on his life, payable to his family If he dies, can provide them with ready cash and aid in 49 EAST MAIN FREEHOLD liquidating his Interest in the \V\VSW ' - i — SSS5SSS5SSS Catastrophic insurance available Nearly three in (our people drugs and medical appliances major medical plans, and pre- in the United States now have as well. paid group practice plans. In- private health insurance pro- Benefits payable under ca- surance companies provide tection against catastrophic tastrophic plans are also the bulk of the protection. medical expenses. growing. A Health Insurance They first offered It as ma- Institute surveyo( group ma- jor medical insurance more According to the Health In- jor medical policies issued in than 25 years ago. In 1991. the surance Association of Amer- 1975 found that four in five first year It was widely of- ica, this works out to 149 mil- employes had available to fered, it covered 108,000 per- lion Americans with health in- them benefits o( ISO,000 or sons. Last year Insurance surance coverage (or the kind more, with the maximum ac- company major medical pol- of expenses that can bankrupt tually exceeding f 100,000 in icies protected over 91 mil- a family. most cases. lion. Another 23 million persons As recently as 10 years ago, According to the Institute, have less extensive protec- major medical insurance Is tion. the common maximum ben- efit was tt.OOO or $10,000. the ' expected to continue its rapid Castastrophic insurance Is institute said. growth throughout 1978. designed to take care of vir- Its popularity, said the In- tually the whole range of me- Castastrophic coverage is stitute, stems from its ability dical bills, and will help pay provided through insurance to provide more complete Catastrophic Insurance normally pays for ambu- (or not only hospital, surgical company major medical pol- protection against serious lance, too. and medical care but (or am- icies and high level basic pol- economic loss resulting from bulances, private nurses, icies. Blue Cross-Blue Shield illness or injury.
Supplementary insurance PROTECT YOUR HOME is advocated for the elderly FROM LOSS DUE TO Supplementary health insur- supplementary protection drugs and private, nursing POSSIBLE SEVERE FLOODING ance policies designed to plug consider the following: services both in and out of (he gaps in Medicare coverage — Before purchasing a po- hospital? Get Rood Insurance are gaining wide acceptance licy, compare hospital costs Other tips to weigh before Before the Winter Thaw Begins. among older people, reports with what the policy will cov- buying include: the Health Insurance In er. Then check to see that — Understand the policy With the right weather conditions, the harsh winter being ex- petlenced In many parts ot the United States could result In severe stitute. Medicare and the policy to- definition of a pre-existing flooding when the snow and" Ice melt. "Today, says the Institute, gether provide the protection condition. Anyone living In areas with these conditions should consider pro- more than half of the 22 mil- you want. — If you have a pre-exist- tecting their property with Hood Insurance made available through a lion Americans eligible (or — Be .sure to understand ing condition, know how long cooperative US government and insurance Industry program the government plan also own what each form of protection the waiting period is before According to weather experts, the probability ot ice jams and asso- ciated backwater flooding is unusually high If a shift to warmer tem- private supplementary pol- covers to avoid expensive du- you will be covered and if any peratures, snow metl and rains occur. Severe flooding could also icies. plication between the new po- medical condition is excluded occur * we lame should break loose after trapping large amounts According to government licy and your Mediaare cov- — Know exactly what you of water. figures, less than half of the erage. are buying. Perhaps your lo- Abnormal snow and river Ice. conditions exist in parts ot the mid- — Does the supplementary cal insurance agent can help west and In the northeast from Maine to West Virginia. average medical care costs of Hood insurance can be purchased from licensed property and cas- those 85 and over are now policy contain benefits for you here. . ualty Insurance agents and brokers It covers damage lo both resi- covered by Medicare, dential and commercial structures and their contents due to flood- Dr. Gladys Ellenbogen, an ing. This Includes both water and Ice damage caused by flooding. economist and consultant to 15-Day Waiting Period Anyone considering buying flood insurance should keep In mind the Senate Special Committee IS FIOOD INSURANCE SEASONAL? that there Is a 15-day watting period between the time the policy » on Aging, says private health purchased and it becomes effective II the-hard winter has put your insurance has become impor- DEFINITELY: property In jeopardy, don't wait until the thaw lo buy flood insur- tant for the elderly. Spring SMSWI: Winter thaw and "April Wimiri" ance. It may then be too late She explains: Summer Season: ThuMtenlornw And H«ll»torrm "Private insurance fills a Fan SMMon: Hurricane Tlrm See us now. Winter Sawon: Rain. Snow, Hill a Start (H.ppy Holkl*y«) need since Medicare was not designed to be a program to Dwelling Rate* (Moil Area*): 1.25 Par *100 HouMnoM Content* (Moat Ana*) * 35 Par $100 BORUS & MACCONNELL AGENCY cover all health costs of the Comnwrclal Property Rate*; M0 PER $100 Bldg elderly." t.ft PER $100 Conte. Insurance company plans GEIMI RAI INSURANCE are designed to (ill the gaps • 120 FAIR HAVIN HOAD POST OFFICE VOX 127 In Medicare coverage through, For Further Details Contact FAIR HAVIN, NEW JfRf.EY 07701 two approaches: FRANK D. FISH AGENCY - 1. By insuring those ex- 31 Evwgraan Lam 5426050 Ocunport penses only partly covered by Medicare. 2. By insuring those costs (or which Medicare makes no provisions. Get some free advice Keeping this in mind, the institute suggests that per- from Ben Franklin sons interested In purchasing and some free Lump sum benefits hot the only, answer advice from us. Although 93 per cent of or- dinary life insurance death Stop in soon, to pick up your free copy of payments are taken in a lump sum, other options are avail- "The Wisdom of Sen Franklin." able to beneficlalrea. And to discuss the insurance program According to the Institute • of Life Insurance, the money that'sexactlyrightforyou. can be left with the Insurance company to provide an in- come (or life or (or a speci- fied period, or to draw Inter- GROSSINGER & HELLER AGENCY est until the beneficiary de- 15 WIKOFF PLACE cides how to use the funds. The latter delay often gives RED BANK 741-2100 the family time in which to make sound financial deci- sions. Widows and their chil- dren are the beneficiaries of 85 per cent of death pay- ments, according to a 1973 survey, with widowers ac- counting (or 4 per cent and tWii a 23 million have dental insurance The day you stay home the last count, 23 million > normally covered by thw in- nursing that toothache, you people had coverage. The surance Include X-ray« and m«y not be the only one with number of persons with pro- cleanings, fillings, extrac- • pain. tection by insurance com- tions, inlays, bridgework and An estimated 100 million panies has multiplied more dentures. Also covered are nun hours have been lost ev- than three-fold in five years. oral surgery, anesthesia, ery year to employers due to The American Dental Asso- treatment of gum disease, dental problems, according to ciation believes that, by 1980, root canal therapy and ortho- the U.S. Public Health Ser- spme 60 million Americans dontics. vice. will be protected through A typical dental insurance One increasingly popular group and Individual dental policy will reimburse up to 90 answer to the problem of ab- insurance plans. per cent of such procedures senteeism is group dental The largest providers of as filling, extraction and health insurance — a benefit this protection — which helps cleaning once the deductible In I lie employs* as well as the pay for normal dental care as requirements — usually be- employer, report; the Health well as damage caused by ac- tween $50 and $150 per family Insurance Institute. cidents — are life and health — have been met. More com- For the employe and his insurance companies which plex procedures, such as root family, a dental health policy insured about 16.8 million canals, capping, bridging and in his company health Insur- people at the beginning of orthodontics require a larger ance program not only helps 1975 Persons with dental in- percentage of the cost to be pay the costs of treatment surance received $332 million paid by the insured person. and repair of teeth but also inations. Such preventive den- employers, the institute In benefits during 1974 from Currently some 60 Insur- promotes preventive care by tistry can forestall or min- points out. insurance companies, accord- ance companies are making paying all or most of the imize most dental problems, Dental Insurance has grown ing to the institute. group dental expense insur- Costs of periodic exam- as well as lost man hours to rapidly in recent years. At The types of dental care ance available. ^Settlement option* can be useful When a life insurance po- terest rates, a typical $10,000 she should consider in choos- taled almost in I billion, up ments to beneficiaries from licyhiilder dies, the entire policy would now pay a wom- ing an income, option. $120 million from the previous these accumulated funds ;iiinmnl (if the policy becomes an about $60 a month starling If a career woinan does not year, according to the In- amounted to $1.2 billion dur- payable Immediately Id the at age 60, or about $H0 a e from her hus- stitute of Life Insurance. Pay- ing 1972. beneficially, unless the po- month if she started receiving insurance during lleyhotyer has specified other- it at age 70 By taking slightly her working years, she can wise, less, she can set it up so that defer part or all of it at in- The beneficiary, most often if she died within 10 years af- terest until she retires — a wife, may need the money ter starting to collect, the in- when the same amount of In- for final expenses, bills, and ciinic would continue to her surance will bring her a larg- J. CRAWFORD COMPTON, INC immediate Income. beneficiary for the remainder er income. But there may be circum- of the 10 years. The entire proceeds of a po- stances where the beneficiary licy do not have to be paid A widow with young chil ALL KINDS OF INSURANCE does not need or want all of dren may need extra monej out under the same settle- the money In a lump sum. ment option. With a larger pn while they are growing up. SINCE 1922 That's where the "settlement Instead of lifetime income, licy. for example, some of the option" of a life insurance i>" sin1 can choose a larger In money might be taken in a licy can be useful. come for a certain number lump sum. part of it left with A beneficiary has several of years. For example, at cur- the company at interest, part choices under the "settle- rent interest rates. $10,000 of used to guarantee a life-time ment options" of life insur- life insurance would give her income, and part for extra In- ance, which offer consid- more than $100 a month for 10 come over a certain number 232 Rt. 36, Belford, NJ. erable flexibility in meeting a years. Her age would not be a of years. n roblems The cumulative amount set T S P -^ factor, since the Income aside in 1973 with life com- The family'y s life insurance would end after 10 years. agent can help advise her on panies (or payment of supple- 787-6260 making a choice. Or she might choose to re- mentary contracts, arriving Even If she is experienced ceive some other specific out of settlement options to- at handling money, it may be amount of money each month difficult for her to make vital until the $10,000, plus interest, financial decisions under the was paid out shock and grief of a recent Her present or future Social HOW WILL death. And, particularly if she Security benefits are a factor is a younger woman, she may not really be able to gauge Annuity buying her long-term financial needs. THE TAX REFORM ACT OF 1976 So she can leave part or all is increasing of the money with the life in- AFFECT YOUR surance company until she One of the most popular needs it or decides how to use forms of protection against it. Meanwhile, the company outliving one's financial re- PERSONAL ESTATE? will pay her interest on the sources is the individual an- funds. She can normally with- nuity. PENSION AND PROFIT-SHARING PLAN? draw any amount whenever Between the start of 1985 she wishes, or change to a and 1975, the Institute of Life BUSINESS INSURANCE ARRANGEMENTS? different option later on. Insurance reports, the num- A pollcyholder can specify ber of Individual annuities In • • • * * in advance exactly how his In- force with U.S. life insurance surance is to be paid to his companies has more than We will assist your attorney and accountant in analyzing your situation beneficiary and can make his doubled, increasing from 1.1 decision binding. In some million to 2.3 million. During cases, this may be prudent. 1974 alone, the number la- But since financial needs creased 8.7 per cent over the MUTUAL BENEFIT LIFE change, estate planners usual- previous year. ly advise that the policyhol- der give his beneficiary the Annual Income payable as OVITT& DEVINE right to select the method of of year-end 1974 through these settlement. annuities or earmarked to be GENERAL AGENTS A widow will likely need paid beyond that time continuing income, and there amounted to nearly $2.1 bil- 3430 SUNSET AVE., OCEAN, N.J. 07712 are several different income lion. options to which she can ap- 201-922-1771 ply her husband's life insur- Annuities can be set up to ance. pay income currently or In One option will pay her an. the future at regular inter- EDWARD DEVINE CLU Income as long as she lives. vals, usuajly monthly. An- BUD RUMOLO CLU The amount of income per nuities are generally Intended $1,000 of insurance depends on to provide guaranteed retlre- her age when she starts to ment Income of JI pre- GEORGE OVITT RICH IRWIN collect. Based on current In determined amount. You can cut medical care costs
CM you do something to lower cost. This may sound simple, but individual policy, however, be handled on an outpatient keep riling medical care — Use your telephone when regular check-ups are Impor- that covers the same ground basis. That's one of the prac- costs from running away with you want to consult your phy- tant and too often ignored. as your group contract. This tices that have led to price In- your money? Yes, says the sician. *• They can nip a disease befofe would be a duplication of ben- creases. Health Insurance Institute. Since your doctor has your it becomes costly. If you are efits and a waste of your — Always discuss the doc- Here are some suggestions: family medical history and past 35, a complete physical money ' , tor's fee with him — and at — First, do you best to knows you, he can often ad- periodically is valuable. — Put aside a small reserve your first meeting. avoid getting sick. vise you over the phone. For — Know exactly how much fund to take care of the little Waiting until after you re- This means practice pre- anything doubtful or serious health insurance yoil have. extra medical expenses that ceive the bill can be a mis- ventive medicine by taking you can be treated In person. You can lose money by being come along. take. But if you decide, a me- better care of yourself and by — Follow your docotr's or-' underinsured or overinsured. — Don't abuse your health dical fee Is unreasonable af- treating an ailment before it ders. Here, it's a good Idea to Insurance. ter a service has been pro- becomes more serious — and If you refuse to listen to his check your group insurance That is, do not demand hos- vided, do discuss the matter expensive to treat. advice — which you have so- to see if it provides you with pitalization for routine diag- with the doctor Fees are not — Review your health in- licited and paid for — you are - adequate protection. If nol. nostic procedures that could inflexible. sura nee. throwing your money away. . you can supplement your in- Make sure it can adequat- — Invest in a regular health surance with an individual po- ely protect against the ca- check-up. licy. You would not want an tastrophic financial effects a prolonged stay in the hospital THE will cause Also, know the members of your family your policy cov- 1 L 1 ' ' INSURANCE AGENCY ers and its maximum benefit levels. B If you have a basic hospital FOR ALL insurance policy you should at least know how many days of hospital care It covers, how YOUR NEEDS . . . much it pays dally, and how. p many doctor visits in the hos- pital you are allowed. • WilNam Revman • William Montanaro — Know your area's hospi- tal and doctor fees. Then • • Alan Salowe • Peter Hollander make sure your Insurance coverage is on a level with • lorry Rusiedri • Guy CaccavaHe these costs. - J0 — Cut unnecessary visiting expenses by seeing your doc- tor at his office rather than at INNOVATIVE ADJUSTABLE LIFE CYCLE PRODUCT your home. His office equip- AND ment will allow him to make Phoning your physician can save you money. UNIQUE DISABILITY INCOME COVERAGE an efficient examination at a la AND FULL ERISA PENSION SERVICES It may be time for check V j ARTHUR B. HODES on health insurance items and ASSOCIATES, Inc. To make sure that inflation — How about the really big with your insurance agent. hasn't eroded the ability of bills caused by prolonged If your health insurance has 255 Monmouth Road, Oakhurst your health insurance cov- sickness and serious acci- to be updated, the time to do 531-9292 erage to handle your family's dents? Do you have a major it is now. says the institute. current needs, the Health In- medical policy that would pay surance Institute suggests benefits at least $50,000 or you check these items: more per illness or per life- — Does your Insurance pay time? (Policies are available for surgery? Are the amounts into the hundreds of thou- in line with current surgical sands of dollars. You can fees? (You can verify this by check with local insurance pricing the costs of typical companies for rates.) — What about money to live YOUR BUSINESS IS operations with surgeons in your area.) on if you are sick and injured and can't work? How long — What about hospital will your employer pay your care? For how many days salary if sickness stops you does your insurance cover from working? (Ask yourself you and your family? And these questions: When this in- how much does it pay to- come stops, do you have dis- OUR wards your daily room and ability income insurance to board rate? (You should help meet your living ex- check the hospitals in your penses? If so, will it continue area to get a general idea of to take care of you possibly rates.) for months — or years — un- — Does it pay for services til you are able to return to in addition to room and work?) BUSINESS board, such as use of oper- Because no two people are ating rooms, dressings, lab in the same situation, health Being insured is one^thing, but havirjg fees, x-rays and so nn? (You insurance requirements differ the proper insurance coverage is some- can discuss this with your widely That is why. the in- agent or at the personnel of- stitute recommends you re- thing else. Far too many businesses, fice handling your group po- view your policy once a year both small and large are either 'over' in- licy where you work ) and, if you need help, check sured or 'under' insured. Unfortunately, Good health insurance they find out too late. Our professionally A good health insurance po- illnesses such as colds, strep trained staff will examine all your exist- licy is not necessarily the one throat, chicken pox and the ing policies and give you in writing a de- that protects you against like tailed INSURANCE PROFILE ANALYSIS. small, predictable expenses, Here, most people will not says the Health Insurance In- be bankrupted by bearing the We will help you cut the fat' in your stltute. costs of these bills them- premiums and strengthen the weaker Rather, to be most effec- selves, for normally they can tive, your policy should be easily budget these expenses areas. Now is the time to find out if you able to insure you against the into their yearly bills. are properly insured . . . tomorrow could large loss, the one not-so-lik*.- A good policy therefore be one day too late. ly to happen — but that if It need not cover such doctor's did would hurt. visits. But it should cover the An example of a relatively costs of the complications of STERLING THOMPSON INSURANCE these diseases, which may small, but predictable ex. COMMERCIAL/INDUSTRIAL/PERSONAL INSUAANCE pense is the a,ap"'< «•"•• "f i n,JH* 'nt0 many thousands of . H. J. 07747 To* Fra. •aillli yam child's minor dolton. Lawsuits add to your health bill
Medical malpractice suits their fees, said the HIAA defensive medicine at $3 to $5 Medicare and Medicald." Taken together, the f5»O are adding at least $15 billion This led to the public re- billion annually. The HIAA estimates that of million of direct costs paid a year to the public's health ceiving higher insurance ben- Noted the association: the |l.5 billion cost of mal- through health Insurance plus insurance bill, the Health In- efits to meet the increased "It to the public that Is pay- practice insurance, (500 mil- the costs of defensive medi- surance Institute has report- fees, which caused premiums Ing the entire bill for unneces- lion was paid through private cine paid by health Insurance, ed. for health insurance to climb. sary defensive medicine, one insurance, the remainder which range from II billion to The institute, citing Health But this is only the "direct third which Is paid through being absorbed by direct fl.67 billion, means additional Insurance Association of cost of malpractice insur- insurance companies and patient payments or through costs to the public of from America (HIAA) estimates, ance," said the HIAA. It ex- Blue Cross/Blue Shield the doctors themselves. $15 billion to S2 17 billion. said the consequences are plained. plans." . ' being felt by every health in- "There Is evidence of a sub- But what about the direct surance policyholder in the stantial amount of 'defensive costs of malpractice insur- .ration. medicine1 being performed . . ance? PERSONAL SERVICE AND FINANCIAL The HIAA said the sharp services not medically re- According to the HIAA: ADVICE ARE PROVIDED BY YOUR growth in Injury awards and quired used to forestall "The growth in malpractice in the number of malpractice the possibility of malpractice claims and awards has re- PROFESSIONAL INSURANCE AGENT suits has caused a "ripple ef- law suits or to provide a legal sulted in malpractice insur- fect" throughout the nation. defense if lawsuits are In- ance costs to physicians and The mounting awards re- stituted." hospitals in 1975 of $1.5 bil- GARDINER MAREK sulted in the premiums for. Overall, the Department of lion, a 25-fold increase from malpractice insurance rising, Health, Education, and Wel- 180 million in 1000. WE NOT ONL Y SELL YOU A POLICY. and doctors in turn increased fare has estimated the cost of "This increasing cost is or WE KEEP YOU INFORMED ON THE soon will be reflected in high- EVERYDAY CHANGES IN THE er medical care prices and fees. INSURANCE MARKETS "Thus, It Is the public that • BUSINESS • COMMERCIAL Malpractice pays the cost of malpractice insurance, either through di- • PERSONAL rect payments to medical • LIFE • MUTUAL FUNDS care providers or through third party payers, such as In- CERTIFIED INSURANCE COUNSELLOR surance companies, Blue m FIRST AVE. 291-0477 ATLANTIC HIGHLANDS Cross/Blue Shield plans or 25 Most applicants YEARS for insurance are acceptable Unless you are an insurance lier study which showed that man's nightmare, such as an weight problem policies ac- alcoholic, overweight trapeze counted for 20 per cent, while 1977 REPRESENTS artist, chances are you'll be hazardous occupations ac- able to get life insurance at counted for 18 per cent of the standard rates total Issued. Latest figures compiled by Changes In underwriting re- the Institute of Life Insurance sult from such things as me- THE 25th YEAR OF SERVICE show that 97 out of 100 appli- dical advances and new re- cations are acceptable. 91 of search \>y the insurance busi- them at standard premiums. ness Into the effects of vari- TO THE MONMOUTH COUNTY AREA . Several developments have ous health and work hazards led to a situation where al- on life expectancy. most all applicants can obtain One study by the Society of insurance. For instance, there Actuaries, involving millions are now "extra-risk" policies of policyholders, dealt with available for persons who the interrelationship of body were at one time unable to build, weight, blood pressure BOB LYON BART LYON get insurance. However, the and longevity. The result: people who qualify for these greater recognition of how ex- policies must pay higher pre- cess weight and blood pres- miums to compensate for sure can shorten life, leading poor health or their hazard- to establishment of new stan- ous occupations. dards of health. CONNECTICUT GENERAL Some of the reasons why Also adding to high accept- people have to pay more in- ance of applications are ad- clude obesity, or dangerous vances in job safety and pub- jobs. But even in these areas. lic health. The trend to more UFE INSURANCE COMPANY life Insurance companies are liberal underwriting of pol- making It easier for the pub- icies enables many, once con- lic to buy policies. sidered not qualified, to buy A sample of this type of insurance at standard rates. higher premium policy bought Now. for example, many in one recent year showed companies often insure, at 90 MONMOUTH STREET these reasons for larger pre- standard rates, cancer vic- miums: heart disease o^ts tims who have recovered. symptoms, J3 per cent; Skin divers and airline pilots RED BANK weight problem, 16 per cent; can usually obtain life insur- other medical reasons, 29 per ance at standard rates. cent; occupation, 12 per cent; In the past these people had TELEPHONE: 741-5962 other reasons, 10 per cent. to p*y higher rates, if they The members of the Independent Insurance Agents Association of Monmouth County are: THE INDEPENDENT ACKERSON, VAN BUSKIRK a BAUSIS J.A. HURRY AGENCY Box 73, Ocean Grove. N.J. 774-4132 3 East Front St., Keyport. N J 264-1116 T. FRANK APPLEBY AGY INC. JACOB EMMANUEL, INC. 303 W. Main St., Freehold, N.J. 780-2324 INSURANCE AGENTS 230 Main St.. TO Bx. 801, Aabury Psrk. N.J. 775-3300 ASH PATERSON ft TENGI J. CRAWFORD COMPTON INC. 332 Route #36. BeKord. N.J. 787-6280 US HwyJJW Main St., Freehold N.J. 462-0160 BAXTER AGENCY K. BELL ASSOCIATES INC. 23 E. River Rd.. Rumaon. N.J. 741-9269 OF MONMOUTH P.O. Box 182, Brieto, N.J. 223-6665 BITTNER & CARTON AGENCY KURMIN INS. AGENCY 2517 State Hwy 35. Wai Twp. N.J. 528-9050 56 Main St., Koyport, N.J. 264-2816 BOYNTON* BOYNTON THE KIRWIN COMPANY Airport Plaza, HaHet, N.J. 264-7200 COUNTY P.O. Box 887. Red Bank. N.J. 747-0952 BOYNTON BROTHERS A CO. LAWLEY AGENCY 100 State Hwy. #35. Red Bank, N.J. 741-8262 1 Main St., Eatontown, N.J. 542-5900 LONGSTREET AGENCY BREWER & SMITH, INC. 522 Washington Blvd . Sea Girt, N.J 449-5400 412 BrldlMnera Ave, Intartakan. N.J. 775-0250 ... are working BRIELLE AGENCY ROSS W. MAGHAN AGENCY 402 Htaoi™ Ave., P.O. Box 416. Briese. N.J. 223-2131 138 Mam Stree*. Matawan, N.J. 568-0003 BRONSON A BLAIR AGENCY MANALAPAN AGENCY INC. 53 Main Avenue. PO Box 155. Ocean Grove. N.J. 747-1717 Route 9 - P.O. Box 3020. Engiahtown, N.J. 448-9762 for you! WEEBER W. BROOK JOSEPH McCUE INS AGCY 99 First Avenue. Atlantic Highlands. N.J. 291-1717 LOUIS W. BURKE AGENCY 30 Ridge Road, Rumaon, N.J. 842-0444 503 Washington Blvd., Saa Girt. N.J. 449-4200 THEODORE W. McGINNESS W C BURROUGHS AGENCY 21 Broad Street. Eatontown, N.J. 542-0740 Your Monmouth County Independent Agent is an independent 413 Spier Ava, Atenhurst. NJ 775-2400 McKENZIE-PARDUE AGCY DENNIS K. BYRNE 1309 Raaroad Ave., Asbury Park. N.J. 776-7282 businessman who is licensed with the State and possesses a 8 West River Road. Rumeon, N.J. 842-1160 MERRITT R. LAMSON, INC. high degree of knowledge and training in the insurance THE CAPTAIN'S AGENCY 56 Waal Main St., Freehold. N.J. 462-0440 P.O. Box 253, BeKord. N.J. 291-0567 LAWRENCE F. MILLS AGENCY 43 W. Front St P.O. Box 813. Red Bank. N.J. 747-5849 business. He isn't an employee of one insurance carrier, C.I.S. AGENCY MICHAEL BENTLY MG. CO. INC. 14 No 3rd Ave , Long Branch, N.J 222-0435 therefore your wishes come first! He represents several fine P.O. Box 262, EngJWitown, N.J. 446-7463 C A L AGENCY INC. H. WILLIAM MULLANEY AGCY companies offering a range of coverages for your auto, home 2040 Highway 35. Wai. N.J. 449-2405 714 W Park Ave, Oakhurst. N.J. 531-0866 CARLISLE-STEWART AGCY E.O. MURPHY A SON and business. And because he has many companies to choose PO. Box 207. Oakhurat. N.J. 531-2494 19 Main Street, Farmlngdale. N.J. 938-6171 from, he will place your insurance with the one that gives you CLIFFORD C. CARR, JR. NORWOOD AGENCY INC. P.O. Box 376. Asbury Park. N.J. 776-5700 505 Broadway. Long Branch, N.J. 222-2400 the best coverage at the lowest price! COAST STATES, INC. OLIVER BROS. 103 E. Front SI., Red Bank. N.J. 747-5700 Rt. #33 & Brighton Ave , Neptune. N.J. 774-6700 He is pledged to give you continuing personal service day or THE CAULFIELD AGENCY PARKER AGEKCY night, whether it be professional advice about your insurance 170 Highway #35. Red Bank. N.J. 747-0110 17 South Street. Manaaquan, N.J. 223-0345 COLLINS A SMITH INC. THE PATTERSON AGENCY 1 Courthouse Square, Freehold. N.J 462-6045 needs or helping you receive a fair, fast settlement if a loss CONNELLY-CAMPION-WRIGHT 2677 Stale Highway # 70. BrMeY . N.J. 892-7900 occurs. 704 - 9th Ava.. PO Box 37, Beknar. N.J. 681-1398 10LOUI8 FortunatS PiPPe PI., NeptuneI AGENCne, N.JN . 775-860Y 0 REDDEN AGENCY CONOVER ASSOCIATES 301 Maple Ave., Rad Bank, N.J. 741-9100 PO Box 376 Saa Girt, N.J. 449-6800 Your Monmouth County JOSEPH ROBERTSON AGENCY GARRET B. CONOVER AGCY 1315 - 3rd Ava.. Spring Lake, N.J. 449-1416 28 Main St., Englishtown. N.J. 446-7676 Independent Agent Is ROSELL INSURANCE AGENCY JACK C. CONOVER 647 Newman Springs Rd , Uncrott. N.J. 741-3538 . . . and for your 300 Main St.. Allenhurst. N.J 531-2500 dedicated to serving YOU! ROY ISKOWE AGENCY INC. WALTER A. CONROY 464 Broadway. Long Branch, N.J. 222-0800 64 Church St.. Keanaburg. N.J. 787-0217 So rely on the Big I for CROOK INSURANCE AGCY EDWARD L. SALMON, INC. community! 21 Deercrest Dove. Holmdel, N.J. 946-4589 P.O. Box 651, Farmlngdale, N.J. 681-7800 all your insurance needs. DANSKIN AGENCY SG8 AGENCY INC. 3rd. & Jersey Ava.. Spring Lake. N.J. 449-3800 Hwy 34 Avla Bldg. Matawan. N.J. 583-1300 DE CAMP-CAMASSA ASSOC. HENRY SCHWIER INC. 55 Oceanpon Ave.. W. Long Branch, N.J 229-8900 Your Monmouth County Independent Agent is involved in the Washington BMJ., The Plaza, Saa Girl. N.J 449-6200 DICKSTEIN ASSOCIATES INC. SHORE INSURANCE AGENCY civic affairs of his community, as well as its service and 740 Lloyd Rd.. Matawan, N.J 566-3320 218 Broad Street. Keyport. N.J. 264-2900 charitable organizations. He is an active neighbor, serving on EDWARD R. DOWLING SILBERMAN a BRAUN INC. 1118 Broadway. West Long Branch. N.J. 222-3531 councils and boards, working to help preserve the beauty and 622 Ocean Ave., Weal End, N.J. 229-2121 E. A K. INC. WILLIAM SKELTON AGENCY INC. 636 Mattlson Avenue. Asbury Park, N.J. 776-6000 prosperity of the county. Also, through their association the !1242-1244 Asbury Ava.. Asbury Park. N.J. 775-2870 HARRY G. FABY AGCY STERLING THOMPSON 4 ASSOC. 116 Fortunate PI., Neptune, N.J. 775-6379 local agents have donated films and literature on such topics as 20 Hwy 34 Box 98, Matawan. N.J. 566-0400 home burglary and bicycle safety, to be shown to our school ndependent FIFTY STATE AGENCY INC. SURF INSURANCE AGENCY Deal Road. Oakhurst. N.J. 531-1800 700 8th Ave., Beknar. N.J. 681-8181 children and other interested groups in the hope that such FRANK D. FISH JOHN TRABACHINO 31 Evergreen Ava.. Oceanport, N.J. 542-8050 knowledge will reduce crime and accidents. 347 CWfwood Ave. CHItwood, N.J. 566-1737 GARDINER MAREK AGCY INC. THE TRUFOLO AGENCY 135 First Ave., Atlantic Highlands, N.J. 291-0477 468 Prospect Ave., Little Silver, N.J. 741-2838 THE GARRABRANT AGENCY VAN PELT a SON AGENCY INC. 714 Summerfteld Avenue. Asbury Park, N.J. 774-7500 1 Cherry Tree Farm Rd., MkxHelown. N.J. 671-0570 WILLIAM S. GARRISON AGCY WILLIAM WULFF AGENCY 22 EAST FRONT Street. Red Bank, N.J. 741-0804 603 Mattlson Ava., Asbury Park, N.J 775-3450 CORNELIUS J. GUINEY, JR. MARTIN WIGDORTZ AGENCY 500 State Hwy 36. Highlands, N.J. 872-0001 710 Mattlson Avenue, Asbury Park, N.J. 775-5200 J. REID HARRISON AGENCY W.C. WOODING AGENCY 429 Broad St.. Shrewsbury. N.J. 747-2900 234 Highway #35 Box 506, Neptune, n.l 775-2303 228JAME72WILLIA11HAYEHAWE3421 Ridg MattisoUnioRoosevele nSRoad SAvenuen MAGENCE tAvenueA Ave.. H Rumson HUNMcAFE., .Manaaquan OakhuratHINTELMAN, AsburyParkT.Y N.J JRE.. 842-060 N...INC N.JJINS . 531-489N.J. 223-010.0.. N775-6217 9 0 64WOOLLE8YORK-JERSE Drummon8 Ocean Ave.d PakeY. WeeA, RaYSHERMAt Endd UNDERWRITERBank. N.J. .N.J 222-162.N 741-280 CO6 .0 S AGENCY INC. 1 Odds on having accident are high Ever hear of the man who Health Insurance Institute, One way to determine the left his doctor's office with a most working people have amount of insurance required clean bill of health and dis- disability insurance protect- to carry you through a period located his back as he was ing their incomes in case they of disability, suggests the in- waking home? Improbable? are unable to work because of stitute, Is to consider other Unfortunately, not. Accidents accident or illness sources of income which may are a fact of life. At the beginning pf 1(75, be.available in an emergency. Statistically, the odds of some (S million workers had These may be union or Social having a disabling accident or "short-term" disability pro- Security payments. Work- Illness are not comforting. tection with Insurance com- men's Compensation, savings. According to the latest U.S. panies or other formal ar- Insurance or income from in- Census figures, five million rangements which covered vestments. male and female family them for periods of up to two Once you have that infor- heads between the ages of 18 years. "Long-term" disability to M suffered disabilities mation In hand, the next step insurance with insurance Is to decide how much addi- serious enough to affect their companies,which offers finan- employment in 1970. For tional protection is needed to cial protection for more than support you or your family these family breadwinners two years, up to age 85 or for loss of income created consid- and for how long a period you a lifetime, covered almost 18 want to be insured. erable financial hardship for million people. their dependents. Disability income Insurance At the beginning of last While accidents often can usually provides between 44 year, insurance companies neither be foreseen nor pre- to M per cent of the policyhol- paid out $2.5 billion to men vented, the serious financial der's gross earnings. The and women under disability repercussions fortunately can money Is paid in regular in- policies to help replace lost be softened. According to the stallments. wages, the institute reports. Beware of borrowing on policies
It's a new year and you and out your debt if you should policy provides a safety mar- vestor can afford the risk of a until the pollcyholder dies or your family want to take a die. As a counterbalance, gin to keep your life insur- possible financial lost. Cer- surrenders his policy. This hard-earned winter vacation however, many policies pro- ance in force, if, in a future tainly that risk should not be can make a policy loan a very Or you would like to buy a vide that dividends can be financial crisis, you should be taken if it Involves the loss of costly way to borrow. Despite bigger refrigerator-freezer for used to purchase one-year unable to pay your premiums your family's life insurance the low Interest rate, the ac- an expanding family. Or you term insurance without a when they fall due. But, if protection. tual amount of interest over have a desire to get into the physical examination, up to you have already borrowed — Since there Is no pres- the years can add up to much stock market. the amount of cash value In heavily on the policy, you will sure to repay policy loans, more than the total dollars of interest on a consumer 'loan After surveying all the pos- the policy. have little or none of this some people postpone pay- repaid within a few manths or sible ways to raise the needed — The loan value of your safety margin left. ment Indefinitely. Sometimes years. money for your Intended proj- — If you fail to pay the these loans drag on for years, ect you have decided to bor- yearly interest on a policy row on your life insurance po- loan, it Is added to the licy. But wait a minute! Breakdown amount of the loan. Whenever the balance due on the loan WHY NOT LET OUR DIVIDEND Borrowing on your policy PAYING INSURANCE COMPANY may be a quick, easy way to phis accrued interest exceeds of insurance SAVE YOU MONEY ON YOUR get some money, but it imme- From each dollar of income the cash value of your policy, diately reduces your family's the entire policy must lapse BUSINESS OR HOMEOWNERS received in 1975 by life insur- FIRE INSURANCE? FREE REVIEW insurance protection, says the ance companies, 78.3 cents and your family loses their in- Institute of Life Insurance. surance protection. This isn't SERVICE. IMMEDIATE POLICY - was channeled into current IISSUE FOR CLOSINGS OR NEW Prudent families regard the likely to happen as long as and future benefits to policy- CONSTRUCTION loan value of their life insur- holders and beneficiaries, the you pay your premiums and ance as an emergency source American Council of Life In- interest when they fall due. of funds to be used only as a surance reports. But there is always a risk HARLAND G. CALL last resort. that some future financial This is roughly a penny emergency might keep you YOUR LOCAL AGENT When that emergency hits more than in 1174. Here is — illness, for example — from meeting these pay- Insurance - Bonds - Estate Planning how the dollar was divided in ments. funds are available promptly 1(75: 104 Crascenl Pfcwy. ft Wood.lde Or. from your life Insurance com- — Borrowing on life insur- Mlddletown Twp. pany — Benefit payment to po- ance to speculate can be Here are some things you licyholders and beneficiaries equally hazardous No re- Phone 741-9565 — SI .8 cents. should know about policy liable investment counselor For appointment loans: — Additions to policy re- would advise buying stocks or — If you should die before serves to provide for future mutual funds unless the in- repaying, the full balance due benefit payments — 25 0 plus all accrued interest cents. would be deducted from the — Additions to special re- proceeds of your policy. Your serve and surplus funds — is family would get that much cents. 222-1626 e 222-13OO less, probably at a time when — Commissions to agents — they needed every penny. 6.6 cents. — Unlike most consumer — Home and field office ex- loans — from banks, finance penses — 9.9 cents. companies, credit unions and — Taxes — 4.2 cents. other lenders — a policy loan — Dividends to stockholders does not carry credit life in- of stock life insurance com- panies — 1.0 cents. surance protection to wipe and
BOYNTON & BOYNTON INC. WOOLLEY AND SHERMAN CO. INSURANCE INSURANCE AGENTS FOR COMMERCIAL AND PERSONAL INSURANCE ' 42 Monmouth Street WE ARE PLEASED TO ANNOUNCE OUR ASSOCIATION P.O. BOX 887 WITH TRAVELERS, UTICA MUTUAL, CONTINENTAL, RED BANK, N.J. 07701 GREAT AMERICAN, NEW HAMPSHIRE S BURRITT BOYNTON SAMUEL B. BOYNTON, JR. JOHN V. CROWELL, JR. THOMAS J. KNOX 3 NEW COURT JOHN A. CROWELL WEST END, N.J. LIFE INSURANCE DEPT. TELEPHONE: -GEORGE H DRAWBAUGH 747-0800 'SPECIALIZING EXCLUSIVELY IN INSURANCE SINCE 1885' Your 9 policies may need tuneup 1 Cats are reputed to have steps. Some homeowner pol- haul for a variety of reasons. economical way and if you rather than a safety deposit nine lives and, If the coinci- icies Include liability Insur- Ask yourself If you have are using your dividends box, because of possible diffi- dence of numbers means any- ance for damage and person- enough Insurance and the properly. culties that might arise in al Injury that you or other The institute also suggests settling an estate. A list of po- I thing, you probably have at right kind of policies. Also least nine different Insurance members of your family ask yourself If you are paying that you keep your policies in licy numbers should be kept policies to protect you, your might cauge away from the premiums in the most a safe place in your home, in a separate place. family and your possessions. home. If you live in a rented These policies, according to house or an apartment, you the Institute of Life insur- probably carry fire insurance ance, provide protection on your personal belongings against a wide range of dis- or a policy to protect you asters to members of your against theft and liability. family, your home, your car Another Important item in and your personal belongings, your insurance bundle Is your as well as -your liability for automobile policy which pro- Cut your current accidents to ojhers vides liability protection Chances are that five of the against personal injury and nine policies are life insur- property damage if your car ance, most of them on your Is involved In an accident. Federal income tax... life. If you are the family You probably also carry fire, breadwinner. There may also theft and collision insurance be some insurance on other on the car. Your automobile and have more money for your retire- members of your family. You policy may include other probably purchased at least types of protection—for ex- ment, too. three of your policies on an ample, medical payments to individual basis through a life passengers injured in your insurance agent. car. If you're working and not covered by a pen- One of the other life insur- These are the basic types of ance policies is likely to be a Insurance protection carried sion program, there may be a tax-deferred group certificate which you by the typical American fami- got through your employer. If ly—life, health, home and au- way for you to build your own retirement your family has more than tomobile insurance. Many one person working, there families also have other types fund. may be several group certifi- of protection, for example, cates in the insurance bundle special theft policies on valu- One of the other life insur- able jewelry, furs and paint- With a Metropolitan Individual Retirement ance policies is likely to be a ings, or accidents and liability group certificate which you policies on private boats and Annuity, you can defer Federal income got through your employer. If planes. your family has more than The Institute of Life Insur- taxes each year on up to 15% of your earned one person working there ance suggests that you review may be several group certifi- your insurance policies peri- income or $1,500, whichever is less, by cates in the Insurance bundle. odically to make sure you If you have any loans out- keep in step with changes in putting this income to work to set up your standing with banks or fi- your family and. income and nance companies, you are in the value of your posses- own retirement plan. also likely to have a credit sions. Your insurance may life Insurance contract cov- need a tune-up, if not an over- ering the balance due on your Think about that! If you qualify, you can iebt. It may be merely a slip of paper attached to your purchase your own retirement annuity with loan agreement, but it will lay the remaining balance if A man like this money you deduct on your income tax fou die before the obligation is met. is hard to find return. You won't be subject to tax on this In addition to life Insur- Thai's why Michael Ragusa ance, your typical family works for Metropolitan Lite . . . money and the earnings on it until years owns one or two health Insur- and why his performance In 1976 has earned him a place ance policies to help cover as a member of Metropolitan's from now after retirement, when your tax your hospital and surgical President's Conference. bills or to provide income if This honor goes only lo men bracket probably will be lower. And if you are disabled. One of these and women In the United Stales is likely to be a group policy and Canada who compile you qualify, Metropolitan can even make through your employer. You outstanding records . not only may also have a health policy for salesmanship, but also for contributions to the plan for you if you on an Individual basis—again showing's practical and bought through an creative concern for the people they serve. should become totally disabled. agent—perhaps a "major me- Michael Ragusa Is a true dical" policy to help supple- professional, working with ment hospital and surgical lamllles and businesses to plan So if you're not scheduled to get a pension, coverage, or an "Income re- and service the insurance placement" policy to provide programs they need and are call me and we'll arrange one. cash in case you are disabled able to afford from working. If he can do this well, for If you own a home you others, he can do It for you. probably have a fire insur- He's easy to reach All you ance pollcy*covering at least have to do is call the amount of your mortgage, CHARIES I. NEMEROFF, C.I.U. EDWARD I. If ZYACK EDWARD f. STASHAK, C.LU. - Today many families have a D/««cl £•/•• Mtntgw DIBHCI 3*ft Mmttgtr DlMtrtct S*t** Mafwgw "homeowner" type of policy • One State Hwy. 35 12 ReckteBs Place 1301 Main St. which includes several other Keyport. N.J. Red Bank. NJ. Asbury Park. N.J. types of protection in addition to fire insurance. It covers 264-9100 747-2200 775-2036 the personal property inside your home from fire and theft,' and protects you from damage suits by anyone in- jured on your property. For instance, you would be pro- tected if the lady next door broke her leg on your front Michael Raguta Metropolitan A lot of lift- 12 RacMma Place More than 150 million ted Bank Americans now have some 747-2200 form of life insurance. This Where the future is now means that the lives of ap- ©Metropolitan proximately two out of every •* three people in the United Where the future is now States are insured, according M til.. No Void. N.Y. Metropolitan Life Insurance Company, N.Y., N.Y. to the Institute of Life Insur- •We. »••••• IMISIIMIMMMWS, : Inflation cuts into disability benefits Americans received an esti- What other sources of in- ditional money Is needed, dis- cent on your premiums. low you to receive partial, mated B.7 bUUon in disability come can you depend on if ability income insurance Other new disability policy sometimes full benefits. f insurance benefits last year disabled? This might include should be considered. features that you should know — An agreement to include to help replace wages lost due company sick pay, union or Two important elements to about include: a 3 to 4 per cent annual cost- to illness or injury, the Health employe organization ben- understand about this insur- — Provision! to let you re- of-living jump In benefits In Insurance Institute reports. efits, rents, investment in- ance are the "elimination" turn to work part-time and al- your policy. u This means American faml- come, savings, and existing (or waiting) and "indemnity" •C lies were getting nearly 17.4 insurance. periods H million daily to be used any You may even be entitled to The elimination period Is j, way they saw tit. the newly increased tax free the number of disability days SHOP AND SAVE AT S However, Inflation has been payments under Social Secu- that will be counted before ~ so sharp in recent years rity any payment begins. The ° many people may find their And you don't have to be 85 longer the waiting period, thtf 0 benefits are far less then they or older to qualify, so long as less, expensive the policy. < actually need, said the in a you have sufficient credits The Indemnity period is the stitute. length of time that benefits J (H4 to 10 years' worth de- lt>*r VoT example, a policy pur- pending on age). are payable. The choice of 3 chased in 1970 that will pay Benefits today are scaled the benefit period is up to the 5 benefits of $750 a month may up according to how much policyholder and can be as FOR EVERY KIND OF INSURANCE h be inadequate today The rea you have paid In. short as 13 weeks. Of course, HOMEOWNERS • AUTOMOBILE • MARINE . son: living costs have gone up — What are your family's the longer the indemnity peri- 2 Spa cent in five years. basic living costs? Food, rent, od, the more expensive the ' 'HEALTH • LIFE > THEFT The institute suggests that clothing and education costs policy. LIABILITY • BOND > AVIATION ff if you have an old policy, now are continuing expenses that Comparing the companies, y * is the time to review whether somehow must be paid. says the institute, may also AND BUSINESS INSURANCE 1 inflation has shrunken your If an analysis indicates ad- save you as much as 10 per jj protection to the point where WIDE CHOICE OF INSURANCE 5 it no longer can do the job. COMPANIES, WIDE VARIETY OF You should know, too, ihat disability plans will pay in INSURANCE COVERAGE & PRICES case of almost any accident or'illness, except pregnancy, that keep you from working. ALAN N. CURRY - JOHN F. BALDWIN Before purchasing any dis- ability insurance, though, tin' institute suggests the family Business decide how much they will need to hrlp replace Income lost while disabled and how Coverage long they want it to continue. Other things to consider be- .Corporation fore discussing the purchase of a pllcy with your insurance agent include: CALL 671-5111 FOR LIFE INSURANCE • BRENDAN ROCHFORD Business 150 million Coverage , Life Associates STATE HIGHWAY 35 & LAUREL AVENUE. HOLMDEL Americans (By Lilly Tulip) are insured More than 150 million Americans now have some form of life insurance. Coverage BRUCE B. HUBER This means that the lives of • INSURANCE-ESTATE PLANNINO-EMPLOVEE BENEFfTS- approximately two out of ev- still seeii ery three persons in the United States are insured, ac- cording to the Institute of inadequate Life Insurance. Even with recent increases The 150 million includes all In Ufe Insurance protection, those covered by individual the amount of coverage car- Bruce B. Huber announces the opening of his new and group plans with private ried by the average, family in offices in Red Bank at 294 Broad Street. Mr. Huber insurance organzations, as the U.S. remains equal to has moved to his enlarged offices in Monmouth well as those under govern- only about 24 months of total ment life insurance pro- disposable personal Income. County from his former location at 430 Park Avenue, grams. As a rule of thumb, the New York City, in order to facilitate and to better ser- Legal reserve life Insurance American Council of Life In- vice his clients here. companies provide the protec- surance suggests that protec- tion for more than 145 million tion equal to four or five of those insured. years of income Is a good As an independent insurance consultant, Bruce Hu- While most families have at base for a sound life insur- least some life insurance pro- ance program. ber specializes in corporate, estate and insurance tection, the average amount The average amount of life planning. He is a member of The Million Dollar Round in force may not be adequate insurance protection per fam- for a family In case some- ily at the end of 1975 was Table, The Five Million Dollar Forum, Leaders Associ- thing should happen to the 128,100. about twice the aver- ation and is a Chartered Life Underwriter. As a spe- main wage earner, according age family's disposable per- cialist in Advanced Estate Planning, he has con- to the institute. sonal income of $14,100. The Life insurance in force is corresponding figures for 1974 ducted several Seminars on "Tax Planning Under tfle estimated to average 128,500 were $26,500 and $13,100. 1976 Tax Reform Act" In New York City, Boston and per family, reports the in- throughout New Jersey for Chartered Life Under- stitute, but that Is equal to only a little more than two INSURANCE writers, as well as attorneys and accountants. times the personal disposable Income. While the requirements and LIFE needs of families for Insur- ance protection differ, ex- > BUSINESS perts in financial planning • consider protection equal to (GROUP) four to five times annual in- • CASUALTY come as more adequate. BRUCE B. HUBER The average amount of Ufe rot RH QUOTATIONS CAU & insurance per family has more than doubled during the! AS6OCIATES past decade. During the same period disposable income per 294 BftOAD STREET family climbed about 80 per 542-6800 RED BANK 842-7400 •cent. 9 Women see need for insurance There was a time not too in 10 years. Where young children are in- policy takes on added signifi- policy can mean the differ- long ago when owning life in- Why do women buy life volved, it might mean, in ad- cance. A retirement Income ence between comfortable liv- surance—traditionally used to insurance? Mostly for the dition to the heartbreak, plan through a Ufe insurance ing—or just getting by. replace a breadwinner's in- same reasons men do. They sUep financial expenditures come In case of death or re- may have dependents to pro- for household help, not to tirement—was considered tect, or they may want to mention the (oss of income principally a man's responsi- build or supplement a retire- tax advantages for the hus- bility. ment income plan for their band. Today, however, more later years. Others have pol- As for those who are either than 44 per cent of married icies to assure their children unmarried, divorced or women in the country contrib- will be able to get a higher widowed, ownership of a life ute to family incomes. Se the education, or. to pay off a insurance policy represents working woman with life in- mortgage on a house. Also. protection for their families, surance to protect her family some buy policies to protect be they chlldwn or other rela- in case of illness or death is the value of their estates for tives According to the in- z no longer rare, reports the In- their heirs, or plan to use stitute, widowed, divorced or stitute of Life insurance. their policies as gifts. separated women account for At the end of 1975, women Apart from women who work a much higher share of ordi- owned an estimated $325 bil- outside the home, there are nary policies purchased than lion worth of life insurance. also the housewives whose do men of similar status. This Is an Increase of ISO.per loss could prove financially When a working woman re- cent In their total ownership disastrous to their families. tires, owning a Ufe insurance I Newlyweds, young people s should get health insurance The newlyweds. The new In figuring out individual according to a person's age father. The youngster who needs for disability insurance and health and area of the leaves home to face the you should be sure to take country. world. into account how long your An individual disability in- They all have a need to employer will continue paying come policy for a 30-year-old think bout their new circum- your salary while you are dis- office worker earning $15,000 stances, especially as their fi abled. a year would be about $120 to Paul Revere Companies nancial planning may be af- You should also estimate $140 annually (or short term Call fected how long any other income coverage of up to two years One example is health in- will continue, such as Social with a 30-day elimination pe- ELSON GUITERMAN, JR. surance. Their need for it Security disability or state riod, the number of days you may be changed, but what disability, union payments, in- must wait before benefits be- ESTATE PLANNING kind of coverage is best for vestment earnings. gin. It would pay benefits of ACCIDENT ft HEAITH INSURANCE PUNNING them? How much should they about $8,000 annually. spend on it? But how much will policies Long term coverage for this 188 EAST BERGEN PL. RED BANK The Health Insurance In- like these cost? same worker to age (5 would stitute suggests they should, •* An Individual major medic- cost about $240 to $260 a year 747-9511 in general, insure as fully as al policy would cost a 30-year- for an 18,000 benefit. But possible against those serious old male, with 1500 deductible these premiums will vary illnesses or accidents than for example, about $90 to $190 from company to company can financially destroy them. in premiums, a 30-year-old fe- and the institute suggests it is Authorities say that as a male about $102 to $260 in pre- a good idea to shop around rule of thumb they should miums. But costs will vary before buying. have Insurance to cover at The Monmouth-Ocean Chapter least three fourths of their medical expense policy which of the Charter Life Underwriters pays for most care in or out of the hospital. Tension Facts 1976' Affiliated with These policies will often The American Society of have maximum benefits rang- published by council ing from 125,000 lo (100,000 or Chartered' Ufe Underwriters more. NEW YORK - Nearly one- — Some 147 million persons, Thank you for your confidence and trust in They also feature "co-insun hajf of all workers in com- had Social Security earnings dealing with our member agents. an
WALTER H. DEGENHARDT, CLU has a protection plan that gives you a choice. Life insurance means benefits for you. And benefits for those who live on after you. It can mean funds toward a col- lege education for your children. A comfortable retirement for you, someday. Money for emergencies. Or, if you die, an income for your family. So, why not call Walter H. Degenhardt? He'll help you select a benefit plan that meets the special needs of your life.
WALTER H. DEGENHARDT, CLU DIAMONDHEAD BUILDING 200 SHEFFIELD STREET • MOUNTAINSIDE, N.J. (201) 233-7001
The EQUITABLE Life Assurance Society of the United States NEW YORK. NY.