New Office For Sturdy

STONE HARBOR - Sturdy Savings and Loan will open the doors to its new Cape May Court House office in a month-long grand opening celebration beginning Friday, November 19. "We’ve been serving people in bur other offices for decades and we’re very pleased to be able to serve those in the Court House urea,’’ President John Armour said. "Our new office will feature all the services and conveniences our Sturdy customers have come to expect. We have an excellent staff ready to serve them." Lenore Donohue has been named manager of the new office. Pam Kane and Ann Stanley will be the tellers. THE OPENING will begin a valuable gift cer-

tificate. giveaway which has never before been done in Cape May County. Fifty gift certificates from neighboring merchants will go to the Mucky winners. The grand prizp will . be 25 gift certificates With 15 going to the second place winner and 10 for third prize. Anyone can be eligible for the December 17 drawing by filling out a coupon. Stop in the new Court House office to com- . plete the coupon. In addition, free gifts will be giver! to anyone opening or adding to an existing Sturdy account. The iiew office at Rt. 9 and jpnd Avenue will be opei0 a.m. to 4 p.m. Monday through Friday and Saturday 9 a.m. to noon. Sturdy Savings also has offices in Stone Harbor, Avalon, Dennisville and North Cape May.

Gypsy Moth Inspections To End

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PREPARING FOR opening of new office of Sturdy Savings and I/oan at Route 9 and Hand Avenue on Friday, November 19, are from the' left Ignore Donohue, office manager, and tellers Pam Kane and Ann Stanley.

Tchaikovsky Concert At ACC

MAYS LANDING - Atlantic Community College will host'"an evening with Tchaikovsky" on Friday Dec. 3. The program includes pianist Helen Benham and the Ansonia Trio. It is being held in conjunction with the Composers Guild of New Jersey, and will also feature two compositions

by New Jersey composers. 'A special gourmet dinner, prepared by ACC’S Academy of Culinary Arts, will precede the 8.p.m. concert being held in Walter E.. Edge Hall. ACC’s ballet-in * residence, the Atlantic Contemporary Ballet Theater, will perform scenes from Tchaikovsky’s The Nutcracker for dinner

Estimating S.S. Benefits

By Del Hr<>ok PEOPLE WHO' want to know how much they can expect their Social Security payment to be when they retire can do so a lot easier than they may think, depending on how old they are. The closer you are to retirement age, the easier it-is for Social Security to figure out how much your benefit will be. It is possi 1 ble for even a young worker to get at least some idea of what to expect irt' retirement benefits in the future. Your exact Social Security payment can’t be computed until you’re ready to retire, since all your earnings covered by Social Security up to that time will be included. Social Security benefit amounts are based on a worker's annual earnings over his or her working life, indexed for inflation. The maximum benefit payable for a person retiring at age 65 today is $729, and the average retirement benefit being paid is $406. People can -get an estimate of their benefit at age 65 by calling the Social Security office and requesting a form which can be used to send for the information. The form is sent to the Social Security Headquarters in Baltimore, Maryland, and will be returned with a statement of the earnings credited to his or her record and a benefit estimate, if requested. . THE ESTIMATE is based on earnings now shown qn the person's record. The benefit you will actually receive at 65 will take into account any additional earnings covered by Social Security that you have before age 65. In addition, Social Security benefits increase automatically with the cost of living once a person is eligible for them. Younger workers should know that benefits are figured as a uniform percentage of prior earn-

ings. A younger worker retiring in the year 2020 who earned the maximum amount taxed by Social • Security may expect to receive a benefit equal to about 29 percent of his or her earnings preceding retirement. A worker with average earnings may expoet to receive 42 percent, and a worker earning at the minimum wage level over his or her working life may expect to receive 54 percent of prior monthly earnings. Benefits being paid to today's workers fall roughly into the same earnings replacement rates. Social Security has booklets that can be used by people approachaing retirement to figbre out approximately what their benefit will to. You may call or write and we’ll be glad to send them to you. Q. I heard that benefits were reduced by amendments passed a couple of years ago and may to' reduced again in the future to save money. Is this true? A. Benefits have never been reduced for current beneficiaries. However, the 1977 amendments in effect reduced benefits for some future beneficiaries not then ootherolls to account for this inflationary effects of a dbfect in the benefit computation formula. There are no present plans to reduce benefits in the future. Q. It seems to me wiUv benefits levels at 25 to 50 percent of my prior earnings I would never get back what I paid to Social Security in taxes. Is this true? A. It depends on when you retire. People retiring today who have paid in the " maximum taxes to Social Security since it started collecting ta^es in 1937 will have-tfaio in about $14,700—they will get that back in 19 months People who retire in the future will not fare as well. (Del Brooks is the Social Security Manager.)

patrons. DURING the concert, the Ansonia Trio. — comprised of a violinist, cellist, and pianist — will perform Tchaikovsky’s Op. 50 for violin, ‘cello and piano. Ms. Benham will perform works by Chopin, Liszt and New Jersey composers Kevin Wood and Gilman Collier.

Benham is an associate professor of music at Brookdale Community College and serves oh the piano faculties of the Mon mouth Conservatory of .Music and Mannes College In New York City. . -v Her credits include perfor mances in Europe and Canada.

TRENTON — More than 200 New Jersey communities have requested gypsy moth inspections this fall to determine the projected hardwood tree defoliation of residohtfal areas next year. State Secretary of Agriculture Arthur R Brown, Jr. said surveys of gypsy moth egg masses, to to conducted by the state Department of Agriculture in 227 municipalities that experienced defoliation last spring, should to com pleted by the end of December. The gypsy moth, which feeds on tree leaves during May and June as a cater pillar, pupates for about two weeks in mid-July, then emerges as a moth and begins the mating and egg-laying process. The, over-wintering egg masses, attached to tree trunks, will eventually hatch into leaf-eating caterpillars in early May. A COUNT of the -egg masses can determine the expected defoliation for the upcoming season. There are up to 1,200 eggs per mass. Brown noted, however, that the department’s part i c i p a l i o'* i*n the Cooperative Gytosy Moth Suppression Program will to significantly curtailed in 1983, and will to restricted to surveys and technical

guidance. The department's Division of Plant Industry, which administers the pro-'* gram, will no longer provide field assistance and supervision during aerial spray treatment.'because of budget cuts, he said "Wd will Be graining municipal personnel in the communities so that they can provide their own supervision of the aerial spray program." 'said William Mctterhouse, director of the Division of Plant Industry, "but we no longer have the staff to provide complete supervision in the field " The department will continue. however, to obtain contracts with private aprial applicators through the stale’s competitive bid process, said Mctterhouse, and the surveys will pro vide the communities With information on the location and severity of gypsy moth Infestation in their area. Ih addition, the depart ment will request funding from the U S. Department of Agriculture and the New Jersey State legislature to be reimbursed to municipalities for their treatment costs for those communities participating in the state's program Last year, the com munifies that participated received 25 percent reim burse ment from USD A

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