Sl JACK I. SWIRE, a business administration major at = Rutgers University, New Brun- swick, N.J., has been notified that he attained the Dean’s List for the 1981 spring semester. A 1978 graduate of Lake-Lehman High School, Jack participated in football, track, and wrestling and was a member of the National Honor Society: Jack is the son of Marilyn Swire Neifert, and the late Jack Swire of Loyalville. His brither Ronald, is presently a senior at Lake-Lehman High school. AND MRS. DANIEL MACAVOY and daughter BECKY left recently for, Nairobi, vice president ' ad- Kenya, East Africa to’ minstration for Custom serve as missionaries for Management ‘© Corpora- four years. They are tion, Kingston, has been serving under the Grace appointed to the 1981 Independent © Mission faculty of the New Board. They will be England Hospital planting and Assembly. He recently conducted a management n East Africa. workshop for health care Dan and Janice are both: executive and super- graduates of Bob Jones visory personnel University, Greenville, representing forty-three S.C. Dan was ordained this month" at the Bethel Baptist Church, Seller- hospitals throughout New England at the Assem- bly’s fall 1981 conference sville, Pa. At the same series in Boston, service, they were Massachusetts: commissioned as Griffin and his wife Missionaries. Mary reside in Dallas Dan is the son of Mr. with their three children: and Mrs. Sheldon William Jr., T.J., and MacAvoy, Shavertown, Shaunna. Pa. , RITA STEFANOWICZ of Harveys Lake and VESTA BREAKSTONE is a surgical patient at JOHN MULLER of Sweet Daytona Community Valley attended the Hospital in Daytona Fourth: Annual Eastern Beach, Fla. Regional 4-H Leaders Forum. The conference was designed to help volunteer leaders gain additional skills. in working with youth: Over 200 volunteer 4-H leaders from 12 Eastern States and the District ‘of Columbia attended. Twenty-four 4- and two Formerly of Trucks- ville, she and her husband Royal Breakstone, have been residents ‘of Florida for the past year. She was formerly employed in the Alumni Relations Office at Wilkes College. JOHANNA MILLER of Johanna Miller Beatty ticipated from Penn- Shoppe, RD 5, Chase Rd., &yivania. John and Rita's par- ticipation was made possible by a travel scholarship from J.C. attended the Redken Regional Seminar which was held at the Marriott Hotel, Philadelphia. Penney Company and the Highlighting the Luzerne County 4-H seminar was famed Development Fund. Canadian hairstylist, Martin Parsons, captiva- ting the audience with his scientific methods of designing and cutting hairstyles. Other topics covered were the latest in color, perms, men’s hair- styles, skin care and makeup. are not. JOYCE M. DOMBEK of Dallas and JOSEPH J. VOY of Ormond Beach, Florida were married recently in a Ask any prudent person about making a will, and he’ll reply: ‘Sure, it’s the thing to-do.” Actually a will is merely a legal decla- how you want property disposed of after death: This is made known through a written decla- ration put ‘into effect points® out ‘B. Wayne Kelly, Extension farm management specialist at University: This - means that anyone, married or This is what ‘might happen if a husband dies intestate (without a will): ~If the wife is the only heir, she receives all of the estate: --If there are some children or descendants of children, the wife receives only one-third of the estate. The remainder is divided equally among the children. If the children ar minors, this distribution of the estate: ship for the mother who tries to keep the family together. --If there: are only brothers and sisters, the wife receives the first Daytona Beach. Beach, Fla. JACK H. MEEKS, Dallas, Wyoming: Seminary’s first Director of Development-Alumni Affairs, plans to’ retire Dec. 31, announced Dr. Wallace F. Stettler, president of the college prep school. Stettler has appointed JOHN. H. SHAFER, Shavertown, who has served as the school’s Associate’ Director of Development-Alumni ‘Program since May 1979, tobe the new Director of Development © effective Jan. 1, 1982. " Stettler appointed Meeks to his position May 15, 1968. Serving in that position for the past 131% years, Meeks con- tinuously worked to build a Development-Public ‘Relations-Alumni Dep- a will, the legal term for this is ‘‘Intestate.”’ In that event, “disposition ‘of he estate‘'is handled by the laws of the state. can state in writihg who $20,000 and one-half of the Atten- shall receive his estatein remaining value of the VICKI DELANEY, skin Upon completion of this the event of death: estate. : care specialist at Joseph course Mrs. Delaney If a person dies without Having a lawyer writea Maniskas Today’s Hair, received an award and is Dallas, recently returned from Great Gorge, N.J. where she attended Redken « Educational and two daughters. Seminar on skin care. artment. Although he is retiring, Meeks will still maintain a part-time relationship with: Wyoming Seminary. He will work as a special LIFETIME FEDERAL TAX EXCLUSION assistant to the Develop- ment Office, visiting and cultivating on behalf of the planned-deferred giving program of the school. TAX-EXEMPT (IN THE CASE OF A JOINT RETURN) LIFETIME FEDERAL TAX EXCLUSION SUPPORT THE STUDENTS! All proceeds from the books listed below, authored by Dr. F.Bud Schooley, will go to the Sister of College Misericordia. Living Water Faith and Mercy | Spiritual Traveler ~~ The Word* Available at College Misericor- : dia and your local bookstore. eA fifth edition of The Word wil be pub- lished later. Q. bY ie "The Famous A. Country Store ) Q. MEMORIAL HWY., DALLAS a A. DARING’S OWN COUNTRY SMOKED : TASTY : Q, FRANKFURTERS +: FRESHLY MADE KIELBASSI ¥ SCRAPPLE & LIVER PUDDING A. DARING'S FRESH COUNTRY SMOKED DARING’S FRESH COUNTRY SMOKED DARING’S FRESH COUNTRY SMOKED *1.59 : Fresh Meat - Specials " i TOP ROUNDS eghiDE : % | DETERGENT (cut to order) bk x % 99 Sond LEAN BEEF CUBES arbor Ib. 3 i 89 1 (WITH COUPON) 3 Daring’s § ANNUAL INVESTMENT YIELD 10.77 % THROUGH NOVEMBER 27, 1981 NOMINAL RATE* 10.360% THROUGH NOVEMBER 27, 1981 WHAT IS THE TAX-EXEMPT WNB ALL-SAVERS CERTIFICATE? The tax-exempt WNB All-Savers Certificate is a one-year certificate, issued anytime from October 1, 1981 to December 31, 1982. WHO SHOULD BE INTERESTED IN INVESTING AND WHAT IS YOUR MINIMUM INVESTMENT? Individuals with a taxable income of approximately $15,000 or those in the 30% tax bracket and above may benefit from All-Savers Certificates. The mini- mum deposit in an All-Savers Certificate is $500. WHAT IS THE RATE OF INTEREST BASED ON? The Certificate will have an annual investment yield equal to 70% of the average yield on 52-week Treasury Bills. The rate will be based on the most recent auction (before the week in which the certificate is issued). The rate of interest at the time you are issued your WNB All-Savers Certificates remains the same for the life of the certificate and may be paid quarterly. Payment of interest quarterly will lower the annual investment yield. WHAT IS TAX-EXEMPT UNDER THESE NEW SAVINGS-CERTIFICATE REGULATIONS? The interest is tax-exempt up to certain maxi- mums. The amount that anyone may exempt from limited to a life-time federal tax exclusion of $1,000 ($2,000 in the case of a joint return). _ If for example, you as an individual receive $800 only the first $1,000 of interest income is tax- exempt. In. the case of a joint return, if both parties receive $1,600 of All-Savers interest in 1982 and. $1,000 in 1983, only the first $2,000 of interest is tax-exempt. ‘0 TAX-EXEMPT EXCLUSION? First of all, you must purchase an All-Savers Certificate between October 1, 1981 and December 31, 1982. Although no further All-Savers Certificates will be issued after December 31, 1982, the interest paid on such certificates issued through December 31, 1982 will be entitled to the exemption. This means that all of the interest tax-exempt under the certificate will be earned by December 31, 1983. DO CORPORATE FUNDS QUALIFY FOR ALL- SAVERS CERTIFICATES? Yes. But interest paid to corporations will be fully taxable. The interest paid on All-Savers Certificates is tax-exempt on a federal tax return only when earned by an individual or an estate which acquires that certificate due to the death of that individual. CAN | CASH IN MY ALL-SAVERS CERTIFICATE PRIOR TO MATURITY? Yes, you may. An early withdrawal will eliminate the tax-exempt status of your certificate. Also, A SUBSTANTIAL PENALTY is required by law in the event of an early withdrawal. CAN | CONVERT MY PRESENTLY HELD WNB CERTIFICATES OF DEPOSIT INTO A WNB ALL. SAVERS CERTIFICATE? Yes, if your presently held WNB Certificates will mature in less than 12 months, you may convert, without a pre-payment penalty, and invest the proceeds in a WNB All-Savers Certificate. Pro- vided, the rate in your converted Certificate of Certificate,
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