1C ask
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(Continued from Page B 16)
Piano Co. The organ was purchased by Shaub’s
grandfather in 1906 for $6O on a note payable
in two years at no interest. After being around
the country for 94 years, the top was lost, but
the bottom part is back in the family. Shaub
would like to restore it with a top to match the
original one. Nina Jo Hoover, Felton, writes
that she has a pump organ manufactured by
Everhart Organ and Piano Co. and the Weaver
Organ Co. both being from York. Her organ is
from the same time period, but she does not
want to sell only the top. She will sell the
whole organ, top and bottom, for $4OO.
ANSWER Pat Barbosa wanted a personal
ized, handcrafted item unique and suitable for
a baby boy. Mrs. John Randall writes that she
makes 3x4-foot crib quilts in choice of colors
and patterns with the name, birthdate, and
other requested information embroidered on
them. Write to her at 3661 Abbey Rd., Bloom
field, NY 14469-9794.
Streams and Lakes
LOST
STREAM
MAR
The STREAM MAP OF PENN
SYLVANIA was completed in 1965
after a thirty-year effort by Howard
Higbee, a former Penn State
Professor.
The map is also known as the
LOST STREAM MAP to some
anglers.
Professor Higbee succeeded in
creating a map of the highest
detail possible...a map that shows
every stream and lake. He
painstakingly plotted by hand, the
location of 45,000 miles of
streams onto a 3 x 5 foot map.
The map sold extremely well -
until it was lost several years later.
Incredibly, the printer entrusted
with the original drawing and
printing plates declared bank
ruptcy, then carelessly hauled
Higbee's 30 years of work to a
landfill.
The few remaining dog-eared
copies became a prized fisher
man's possession. Professor
Higbee was offered $4OO for one
of his last maps. And state
agencies were forced to keep their
copies under lock and key.
Experts told Professor Higbee
that reprints were impossible,
because the maps were printed in
non-photographic blue.
Then, in 1991, at the age of 91,
Howard Higbee's dream came
true. Computers made it possible
to reprint the map. Holding an
updated map, Howard said, "I
never thought I'd live to see this
day."
ANSWER Sylvan Ressler, Bart, wanted to
know where to find a small blue, softcover
men’s quartet book called “Vaughn’s Sons for
Men.” He also wanted 78 LP records by the
Kings Herald Quartet, The Good News Gospel
Singers (a Brethren mixed chorus from York
County), and a record of a Brethren men’s
quartet also from York that included the song,
“Stilling the Tempest.” Thanks to Merle E. Bie
venour, who wrote that he sang with the Good
News Gospel Singers and still has some re
cords. Call him at (717) 259-0400.
ANSWER Merryleigh Berger wanted to
know how to propagate some roses from her
mother’s rosebush before the homestead is
sold. A Christiana reader writes that she uses
the glass jar method with good results. Select
slips or cuttings from healthy plants, cut off
about six-inches below the rose bud that has
bloomed or is blooming. Cut off the bud. Cut
approximately 2-inches below next set of
branches below the bud, remove any leaves at
the base of the cutting; dip the base into Roo
tone and put in ground on north side of any
building where ground is moist and cover with
glass jar. New growth should show this fall.
You can purchase Roo tone from the seed cat
alog of P.L. Rohrer.
ANSWER In answer to George Gabesewis’
request for a two-wheel David Bradley tractor
snowplow, William Hildebeitel, Kempton, has
one. Call him at (610) 285-6295.
Why every fisherman needs these maps
It is estimated that 10% of all the lishermen catch 90% of the fish.
Regardless of which group you fall into... there's a sure way to up your odds...
simply try new fishing waters. Fish where few fishermen ever fish.
Pu/tUrt Hiqbat ®
Professor Higiiec's Stream Maps arc the first
ami only highly detailed maps of their kind...
showing virtually all of the streams, rivers
and lakes in each slide.
RAVE
REVIEWS
"It is amazingly detailed and
names some creeks in the
Mohawk Valley that can't even
be found on topographic
maps."
John Pitarres
OBSERVER-DISPATCH- Utica
"If you're looking for the most
definitive maps ever created
depicting every single creek,
river, stream, pond and lake
.. .then ’ProfessorHigbee's
Stream Maps’ are without
question the finest
Howard Brant
THE NEWARK STAR-LEDGER
"It is in showing where to find
out-of-the-way trout streams
that makes the map such a
treasure to the fisherman
Joe Gorden
TRIBUNE-DEMOCRAT-
Johnstown
"The map is the most
comprehensive charting of
waterways we've ever run
across "
Dave Henderson
THE ITHACA JOURNAL
StaeamHAFS
dPe»taia
New Nm Jersey
HantalDetaie
FREE LOCATION GUIDEBOOK INCLUDED
A guidebook is included FREE with each state map.
It will pinpoint the "select waters" for specific species
of fish in each state. Locate STREAMS and LAKES
both alphabetically and geographically.
' ORDER YOUR COLOR STREAM MAPS|
Available rolled or folded ALSO AVAILABLE in heavy gauge LIFE
-1 TIME GUARANTEED, glass-like dear-lamination, wnte-on wipe-off 1
I surface, with brass eyelettes (or easy hanging l
I PA-3 FT by 5 FT ROLLED map(s) postage paid at $23 75 ea I
I PA-3 FT by 5 FT FOLDED map(s) postage paid al $23 75 ea I
I PA 3FTby 5 FT LAMINATED map(s) postage paid al $43 75 ea 1
NV 3 SFT by 4 SFT ROLLED map(s) postage paid at $23 75 ea
NY-3 5 FT by 4 5 FT FOLDED map(s) postage paid at $23 75 ea
NY-3 5 FT by 4 5 FT LAMINATED map(s) postage paid at $43 75 ea
NJ-2 5 FT by 3 FT ROLLED map(s) postage paid at $lB 75 ea
NJ-2 5FTby 3 FT FOLDED map(s) postage paid at $lB 75 ea
NJ-2 5 FT by 3 FT LAMINATED map(s) postage paid at $33 75 ea
I MD/DE-2 5FTby3 5 FT ROLLED map(s) postage paid at SI 675 ea I
I MD/DE-2 5FTby3 5 FT FOLDED map(s) postage paid al $lB 75 ea 1
I _ MD/DE-2 53 FT by 3 5 FT LAMINATED map(s) postage paid al $33 75 I
I Check or money order enclosed $ SHIPPED PRIORITY MAIL I
I ROLLED AND LAMINATED MAPS SHIP IN A STURDY STORAGE TUBE
I Name
I Address
I City
, LANCASTER FARMING
, Dept. Map
, 1 East Main St., P.O. Box 609, Ephrata, PA 17522
' Payable; □ Check Enclosed □ Visa □ Mastercard □ Discover
Card # - - -
Date
FREE GUIDEBOOK!
State Zip
Signature
Lancaster Farming, Saturday, August 5, 2000-817
Catch-Up
Retirement Planning
FLEMINGTON, N.J. With 77 million baby boom
ers (people currently age 35-53) retiring within the next
few decades, there is tremendous interest in topics relat
ed to retirement planning.
Among the questions being asked is, “What can I do
to make up for years that I should have saved, but
didn’t?”
Unfortunately, compound interest is not retroactive.
In other words, you can’t earn interest on money you
haven’t saved.
All hope is not lost, however. In fact, baby boomers
have many factors working in their favor.
Many boomers are entering their peak earning years
and are spending less as children leave home. In addi
tion, they still have a long investment time horizon of
perhaps 30-50 years and can afford to place a significant
percentage of their portfolio in “ownership” assets such
as individual stocks and growth mutual funds.
Furthermore, steady stock market gains are predicted
for at least another decade. And boomers with highly
marketable job skills may be able to work for as long as
they like or start their own business following retirement.
Many jobs today require brains, not brawn, so physical
strength will be less of a concern to older workers in the
future than it was in the past.
Basically, there are two ways to catch up financially:
1. Take action to increase retirement savings,
and
2. Take action (for example, lifestyle changes)
that will decrease the amount of retirement sav-
ings required to invest.
Several planning strategies can also be com
bined (for example, increasing retirement plan
contributions and moving to a smaller home in a
less expensive area of the country).
Suggested strategies to increase retirement
savings include:
• Enrolling in or increasing current contribu
tions to tax-deferred employer savings (for ex
ample, 401(k) plan).
• Slashing household expenses to free up
money to invest.
• Moonlighting for additional income and to
test out post-retirement employment options (for
example, small business).
• Investing aggressively (more stock) before
and after retirement.
• Investing in industries (for example, health
care) predicted to benefit from future demo
graphic trends.
Following are strategies to reduce the amount
of money needed for retirement:
• Trade down to a smaller home and invest
the difference.
• Move to a less expensive geographic region
to reduce expenses.
• Delay retirement to increase savings and
postpone withdrawals.
• Work after retirement (for extra income and
a daily routine).
• Make the most of an inheritance.
• Make retirement income withdrawals from
taxable accounts first.
Remember, a positive attitude is a key factor
in investment success. “Late-blooming” 45 and
50 year olds can still save significant sums by the
time they retire.
Today is the first day of your financial life.
Make the most of it!
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