Savings Interest A R^eord

STONE HARBOJt - Sturdy Savings and Loan depositors earned a record 55.592.000 in savings account interest in 1981. President John L Armour revealed at* the association's annual meeting here "The continued high m- . teresl rates duf ihg the year benefited our depositors greatly." Armour sqid. eaflier this month, “and they lortk advantage of them " AS I9H| ENDED. Armour noted, interest rates were easing back slightly. "We are looking cautiously, although optimistically, ahead to 1982., Interest , fates Were a factor in'virtually all s<$tore of the American economy last year, but the government’s inability to bring the problem under control is particularly frustrating to the savings ' and loan business " The - ombination of high savings costs and lower thffn normal lending year pul a squeeze on Sturdy Savings and Loan's earnings Savings and loan associations are required

to set aside part of their earnings each yeJlr to'provide a “cushion" for that normal par] of the business cycle when earnings dffop. Even after a tight »I98J. Sturdy's reserves stand at W.81I.R56 “THE DECLINE iq in kerost rales which seemed underway in late 1981 gives us reason to hope-that 1982 will lx- a time when both the financial and housing markets begin a return to normalcy." said Armour . Lower interest rafes ultimately will mean a drop in the association's cost of funds, which in turn means that mortgage loan rates will drop, too Armour added. "Lower interest rates will be good news for everyone. I^ower rates, however, are dependent upon the federal government’s abilify to control the- budget deficitsand. |hrough them, interest rates, " TWO NEW OFFICERS were appointed at the annual meeting Richard D. Straub, who joined Sturdy in 1980, was named, treasurer Straub

Kraduatcd from Stockton Stale College as an accountant He is married arid, lives in Middle Township'. Appointed asl Assistant treasurer was Nancy E Taylor She has been with Sturdy since 1977 after four years experience with another Tmancial mstitu tiorv A graduate of Middle Township High School. Taylor resides in*Goshen. Middle Townsfup El.US A. .MIXNEh was reappointed chairman of , the board and John L. Ar mour was reappointed presidfmt Other officers named were: John H Mead, vice chairman of the board. Fred A Houston, secretary and first vice president; Richard D Rodgers, second vice president. John M. Ludlam. conveyancer and Donald A (iaver. attorney. Robert (’. Wilson. John M Ludlam. John H. Mead, and Carl R- Gratz were reelected as directors at Sturdy Others who serVe on the board include: Clarence D Fisher. Donald A Gaver. George T Harris and Ellis A Mixnor

CONGRATULATIONS GO TO Richard D. Straub, left, on appointment as treasurer, and Nancy E. Taylor, on ap r polntment as assistant treasurer, from John L. Armour' president of Sturdy Savings and Loan Assn.

Income Tax Assistance

RIO GRANDE — Income tax assistance for senior citizens and workers who earn less than $20,000 will be available 9 a.m.-noon every Tuesday and Thursday in February and March at the Social Services Building. Rtes. 9 and 47 here.

The service is sponsored by VITA (Volunteer In come Tax Assistance) through the National Retired Teachers Assn and National Association of Retired Persons * Arrangements can be made for visits to the blind or disabled.

Agency Is Growing STuftE HARBOR John J Signor & Associates. Inc. a two year-old advertising agency. located here, has been making its mark in South Jersey through service to a growing number of businesses who recognize tthe opportunity for growth through better marketing communications John J Signor, president of the agency, left a successful career with New * York and Philadelphia agencies because of his awareness that the influx of ah additionaf 150.000 people in Atlantic and Cape May Counties by 1990 would need to be introduced. through advertising, to the products and services of companies in those coun-

ties.

•HOMETOWN USA." says Signor, "is becoming an. endangered Spdcies when it comes to doing business." He claims that businesses must reach out beyond the borders of their towns and counties to at tract growing numbers of strangers to their services andjgigducts^^^^^^

business & professional directory

ALARM SYSTEMS

ROCCO’S ALARM CO. BURGLAR & FIRE ALARM SYSTEMS From TOO 00 INCTAU. 74 ha. srav. - ran nr. 804-2202

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FIREPLACE STOVES

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INSURANCE

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PHARMACIES

TAX RETURN PREPARATION

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