The Mail-Journal, Volume 26, Number 22, Milford, Kosciusko County, 15 July 1987 — Page 14

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THE MAIL-JOURNAL — Wed.. July 15,1987

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RIBBON CUTTING AT ABC — Warsaw Mayor Jeff Plank, right, cut the ribbon on June 29 at the official opening of ABC Travel Specialists’ new office, located at 3300 East Center Street, Warsaw. The new location has consolidated the two Warsaw offices into one — the office housed in the Holiday Inn since 1970 and the one located at 1301 North Detroit Street. Shown with Mayor Plank at the ribbon cutting ceremonies are, left to right, owners David Wolkins, D. Blaine Mikesell and Candy Wolkins. (Photo by Mike Skevington)

Elect new directors for First Federal

Thomas L. Frank, 1060 Cambridge Drive, Wabash, and Joseph W. McSpadden, 106 Bonbrook Drive, Wabash, have been elected as directors of First Federal Savings Bank of Wabash, according to Nick George, president. “We are pleased to have Tom and Joe joining our board of directors and are looking forward to working with them,” George said.. Other First Federal directors are T. A. McSpadden, chairman; Arthur Haist, Larden Hoff, man, Maynard Vollmer, Stan Myers, Wayne Rees, Doug Craig and Nick George. A native of Wabash County and a 1960 graduate of Lafontaine High School, Frank is controller and secretary at B. Walter & Company, Inc., for the past 11 years. He earned a BS degree in business with central studies in finance from Indiana University in January 1970. Currently, Frank is president of Wabash Area Chamber of Commerce and has previously’ served as president of the industrial division of the chamber, board member of the Bowen Center, past exaulted ruler and past district deputy grand exaulted ruler of the Benevolent and Protective Order of Elks. He is a member of the National Association of Accountants, Fort Wayne Chapter, and a member

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and deacon of the Wabash Christian Church. He and his wife. Nancy, are the parents of three daughters, Shelly, 16; Kimberly, 14; andLeAnn, eight. McSpadden has also been a lifelong resident of Wabash. He graduated from Wabash High

County residents receive degrees nt Ball State

The following eight Kosciusko County residents completed work for degrees Muring the spring quarter at Ball StSfte University: Claypool — Stephanie L. Nelson, r 1, bachelor of science/management science Milford — Beth A. Beer, r 1, master of arts/elementary education Pierceton — Amber Perry, r 3, bachelor of science/accounting Silver Lake — LaDonna Hopkins, PO Box 324, bachelor of science/finance Syracuse — Timothy Haviland, 72987 CR 29, bachelor of science/management science Warsaw — Robert Gearhart, r 7, lot 103 Green Acre, bachelor of science/finance; Dianna Harman, r 7, bachelor of science/elementary education; and Connie Minnix, r 1, bachelor of arts/art

School in 1965 and earned a bachelor of arts degree with honors from DePauw University in 1969. He also attended graduate school at Harvard University. He is vice president of Beauchamp & McSpadden Insurance and Financial Management, Inc., a local insurance firm with 65 employees in Wabash, Warsaw, Muncie and North Manchester. McSpadden has been vice president of the Wabash Chamber of Commerce and has twice served as the master of ceremonies at the chamber's annual dinner. He is past president of the Wabash Rotary Club of which he has been a member for 16 years. He has been city chairman for the United Fund Drive and is currently president of the Wabash City Board of School Trustees. He and his wife, Jennifer, have one son, Richard Swartz. .

Bob Newhart to be at Purdue

Bob Newhart, star of “The Bob Newhart Show” and the current CBS hit “Newhart," will entertain Purdue University's homecoming audience with his stand-up comedy routine Saturday, Oct. 31. The show will begin at 8:30 p.m in Elliott Hall of Music. Newhart will replace Wayne Newton who was previously scheduled. Featured as opening act will be the” Manhattan Rhythm Kings trio, while doing much clowning around they sing and dance. They were featured as opening act for George Burns appearance in 1984. Patrons who have already purchased Wayne Newton tickets and would like to attend the Bob Newhart show should call the box office at (317 ) 494-3933 to have their orders transferred or for monies refunded.

It happened ... in Syracuse

10 YEARS AGO, JULY 13. 1977 The first draw check from $105,000 was presented to the Syracuse Town Board at a special meeting Friday at 9 a m for the sewer and water project. The board will receive a total of $905,000 when all checks are received. For the fourth time, a petition by Donald G. Byrd, Syracuse, was not acted upon by the Kosciusko County Area Plan Commission. The Syracuse-Wawasee Chamber of Commerce board of directors went on record last Thursday as opposing a recent action of the Syracuse Town Board in dissolving the Syracuse Plan Commission and turning Syracuse and Turkey Creek Township over to the jurisdiction of the Kosciusko County Area Plan Commission. Cyndi Thornburg and Mrs. Fred Hapner of Gamma Sigma

CCCS offers help in solving financial problems

j By DEEJAYNES Staff Writer

One of the results of today’s ‘ plastic money’ ’ society has been that each year thousands of Americans are confronted with overwhelming financial problems. According to Thomas Hufford, executive director of Consumer Credit Counseling Service, the great majority of these problems arise from inflation, overuse of credit, faulty planning or lack of money management. “Most of the clients we see are just ordinary people who have experienced unusual or unexpected circumstances and find themselves in debt,” Hufford said. "With the number of Americans running on the edge of financial problems today, this is a situation many of us could experience ourselves. ’' Consumer Credit Counseling Service is a non-profit community servicefJfffiliated with the National Foundation for Consumer Credit. CCCS provides free debt counseling services for families and individuals with serious financial problems. Hufford stressed that CCCS is not a government or legal service, but is supported entirely by contributions from banks, consumer finance companies, credit unions, merchants and other community firms and individuals. With offices in more than Soo communities across the country, CCCS has been a part of the Ft Wayne community for more than 22 years. A satellite office was opened in the Bowen Center in Warsaw in October, 1983, and presently serves 42 active clients. After phoning for an appointment, clients come for a counseling session with a trained credit counselor. At this session, clients bring in a list of their total expenditures, along with a list of all sources of income. From this information, and information given during the session, the CCCS counselor works out a budget plan for the individual client. Hufford says simplicity is the key to budgeting success. “The more complicated a budget becomes,” he said, “the less chance it has of being followed.” Techniques for successful budgeting are given to the clients, along with information on family budgeting and a plan for expenditures. Once the budget plan is established, the client sends a set amount of money each month to CCCS, which is then distributed equally to the client’s creditors. Hufford says the average client seen by CCCS counselors has approximately 13 creditors and $15,000 in non-mortgaged debt. “The client is still responsible for paying his or her own mortgage payments, utility and grocery bills,” Hufford said. “CCCS handles short-term debt payments such as credit card

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Sorority, Syracuse, were named chairmen this week of a Swimalong to raise funds for cystic fibrosis to be held at Wawasee Prep on August 6. Mr. and Mrs. Stephen Conrad have returned from their honeymoon trip to the Hawaiian Islands. The couple exchanged wedding vows on Saturday, June 11, jn the United Methodist Church, Tinley Park, 11l The Syracuse-Wawasee Garden Club will hold a standard placement flower show on July 28, at the home of Mrs. Ralph Clingaman on Pickwick Road. The show will be entitled, “Back Home in Indiana.” 20 YEARS AGO, JULY 12, 1967 The Syracuse street fair is now in progress. It is the eighth such annua] event sponsored by the Syracuse Police and Firemen’s Benefit” Association with the

bills and car loans.” The CCCS counselor contacts each of the client’s creditors and makes arrangements for them to accept these partial payments until the debts are paid in full. The creditors are also asked to donate 15 percent of the monies collected by CCCS back to the program Hufford stressed that although most creditors choose to participate in this program, their decision does not affect payments. "Most of the creditors are very pleased to have such a service available," he added. In fact, many of our clients are referred by their creditors or by collection agencies." The 15 percent is tax-deductible due to the organization's non-profit status Although no definite time limit is established, the average length of time spent by clients in the program is a year and a half During the time they are involved in the program, clients are expected to follow the budget planned developed cooperatively with the counselor and to make no credit or major cash purchases without first consulting with the CCCS counselor “We aren't a handholding arrangement." Hufford said. “If this is to be successful, the clients havettf do their part. We just help ease the pressure and give them the guidance they need to get back on track " Each client signs an agreement with CCCS. agreeing to pay a set amount of money each month for distribution, along with a release giving CCCS permission to disclose any financial information necessary. If a client does not follow through with the agreement, letters are sent by CCCS to creditors, explaining that the program has been terminated due to the client's failure to follow the program. A recent study at Purdue University shows that the average American today is spending 19.8 percent of his net income on non-mortgaged debt. Hufford explained that since financial experts recommend spending no more than 20 percent of net income on non-mortgaged debt, “most Americans are right on the edge and half of the people in the country are overextended.” Hufford says that although one counseling session is usually sufficient, counselors will meet with clients as often as necessary. “Quite often, additional questions can be answered with telephone calls,” he said. “If a client is sincere about ending his financial difficulties and follows the budget plan, there is usually no need to see him again unless other problems arise.” The simplicity of this program may cause many to wonder at its success. Hufford explained that in 1987, more than $1.2 million will be distributed through the Ft. Wayne office — more than SIOO,OOO of it coming back into the Warsaw area.

cooperation and support of the Wawasee American Legion Post 223 and Auxiliary Unit 223. Syracuse chief of police Dan Ganger is general manager of the event, but Donald (Pee Wee Niles is in charge of the kiddie parade on Wednesday night, and his brother Wilbur (Butch) Niles is in charge of the adult parade on Saturday night Joe Hughes is in charge of the children’s contests following the Wednesday night parade The annual meeting of the 136-member Syracuse Lake Property Owners' Association was held at the Smith-Walbridge camp Saturday evening following a dinner in the camp’s dining room. At the business meeting, following an exhibition of expert baton twirling and marimba playing by students and instructors at foe camp, three new directors to the association were

"If you start with the premise that most people basically want to pay their bills, you can see how a system like this works and is successful." Hufford said. “If, however, you begin by assuming that most people are dead beats and don’t want to pay their debts.

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COUNSELING SERVICE AVAILABLE - Consumer Credit Counseling Service, Inc., a non-profit community service, provides free debt counseling to families and individuals experiencing serious financial problems. Often, one session with a trained CCCS credit counselor is all that is required to formulate a plan acceptable to the client and the creditors for paying ail debts. (Photo by Dee Jaynes)

Dr. Jones — meet Mr. Nixon

I By J. ROSS RICHEY Guest Feature Writer

(EDITOR'S NOTE: Rev. Richey is a retired blind minister. He was pastor at St. Andrew's United Methodist Church, Syracuse, and United Methodist Church at Leesburg before moving to Elkhart.) ■ ■ . ;; It was at the Peterson Bridge National Camp Site, about 12 miles west of Cadillac, Mich. Dr. Gerald N. Jonas (Gerry) was one of our campers and canoeists for this particular year. 1 Tuesday morning breakfast was over and we were all “hurrying and scurrying" around to meet at Jerolin’s Canoe Rental 'o begin our first day's canoeing. Suddenly, it seemed, out of nowhere, appeared a conservation officer in uniform and with badge in place! His purpose was obvious. He was collecting for the use of the camp site. Above his badge was a little rectangular plastic name tag — pinned to his lapel. It said, “Mr. Nixon.” (It may be of interest to you to know that “The White House” and “the nation” had been gorging itself with the news of the Watergate experience and scandal in that particular year.) As I went to get the necessary money to appease Mr. Nixon, Gerry involved him in a conversation which others thought well worth listening to through a process called “eavesdropping.” (The conversation was not being ‘bugged!”)

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unanimously elected. Harry (“Jack”) Alfrey, president of the association, presided at the meeting. Miss Christine and Patricia LeCoutit of Warsaw were week end guests of Mr. and Mrs. Emory Guy, Syracuse. Mrs. Pearl Newcomer and Mrs. Gertrude Goppock of Wakarusa visited Mrs. Estella Swartz, Syracuse, on Saturday. Mr. and Mrs. Thomas Gilbert and daughters, Syracuse, spent the week end with Mrs. Gilbert’s father, Robert E. Buster at Scottsburg. Dianne Deck, daughter of Mr. and Mrs. Donald P. Deck, and Cristie Carr, daughter of Mr. and Mrs. Jack Carr, all of Syracuse, left camp at Dallas Lake in Woicotville. The girls will be gone for one week. Fletcher Marsh, a resident of the Alfran nursing home, War-

this system is doomed to failure. I personally believe the first statement and the clients I see each week are proof of it.” Persons interested in contact Consumer Credit Counseling Service, Inc., may call 1-800-552-3650

Gerry, having earned his PhD, was, no doubt, seeking to engage Mr. Nixon in some philosophical concept concerning politics, or the Department of Natural Resources (DNR) or even Watergate or some other such exotic idea! PhD’s are noted for doing such things, you know. As I returned with the money for our camp site, I handed it to Mr. Nixon, turned to the gang, and said, “Hey, guys, do we have some extra rope around? This officer's name is Nixon and he even has the courage to wear it on his name tag. What we need is a long rope and a tall tree!” Now, Mr. Nixon understood the jest. I’m happy that he did or I might be languishing in an upstate Michigan jail. We had a good relationship with Mr. Nixon and even discovered later that he and his wife were also camping at Peterson Bridge National Camp Site. Had I been as creative then as I sometimes want to think I now as, I would have gone to their camper and asked to see their camping permit — and receipt! You can have your canned humor. I will continue to find laughs developing out of existing real life circumstances and I'll have a better time than you do. Well, Dr. Jones met Mr. Nixon and I’m sure that both of them, and each of us, profited by that exchange of philosophical ideas. A place for all No one is completely useless — you can always serve as a bad example.

saw, spent his birthday, July 3, in the home of his daughter, Mrs. Donald Smith. Mr. Smith and family, Syracuse. A cook-out and a baseball game in which Mr. Marsh’s grandson played were enjoyed. Rev. James McKibbin, pastor of the Syracuse Church of God, officiated at the wedding of his cousin, William Henry McKibbin. and Miss Carla Kay Graham, recently in the Etna Green Methodist Church. Week end guests of Millard Hire, Syracuse lake, were hospital administrator of the Indiana Masonic home, Lowell C. Stanley and Mrs. Stanley, Franklin, and Mr. and Mrs. K. V. Stanley and family of Dayton, Ohio. Mrs. Sasha Ann Stanley and children, Jeffrey, Kevin and Kristin, returned Monday to Dayton, after a three weeks’ visit with her father, Millard Hire. Linda and Diana Simon, of Syracuse spent the week end with their cousin Miss Sharon Gilbert of r 1 Syracuse. They accompanied Mr. and Mrs. Larry Ryman and children of Milford to Deer Forest at Coloma, Mich., Sunday. Mrs. J. J. Parkhurst of Rocky Ford, Colo., has returned to her home following a visit with her daughter, Mrs. Douglas Pilcher, Mrs. Pilcher and family, Syracuse. Mark and Mikal Mollenhour of Newark, Del., have been visiting their grandparents, Mr. and Mrs. Adam Mollenhour, Lake street, Syracuse. Mr. and Mrs. John Hay and family of Santa Tome, Venezuela, are visiting Mr. Hay’s parents, Mr. and Mrs. George W. Hay, Lake Wawasee. 30 YEARS AGO, JULY 18, 1957 Announcement was made Saturday by the F. Harold VanOrmans, senior and junior, of Fort Wayne, that the latest addition to their chain of hotels would be the Van-Orman Wawasee, to be constructed at Jhe former Waco site on the south side of Wawasee Lake. To be a two-story structure, similar to the Van Orman Northcrest, the $1,075,000 hotel will have one hundred large and smartly decorated rooms, each with private bath, individually controlled air conditioning, radio and television. John Sudlow has done it again by winning first prize with his 1937 Cord 812 Phaeton at the Classic Car Club of America reunion at Dearborn, Michigan during the past week end. Mr. and Mrs. Oliver Sandberg and daughters, Janice and Phyllis, were week end guests of Mr and Mrs. Donald Smith of Route 2, Syracuse. The Sandbergs, who are from Terre Haute, are staying at Lake Webster, this week. Mrs. Harry King, Mrs. Edithe Pratt and Jim Pratt, all of Indianapolis, were guests at the Frank Garten home on Ogden Island over the week end. Mr. and Mrs. William Seibert of LaSalle, Illinois, are visiting with her brother and wife, Mr. and Mrs. Emerson Ohligschlager. Mr. and Mrs. Schrhidt and Mrs. Steve Flower and daughter, Claudia, of Chicago, were guests of Mrs. Georgia Miller from Saturday until Monday. 50 YEARS AGO, JULY 15. 1937 Redecoration and rearrangement of the fixtures in Klink’s Market of Syracuse, marks another step in the gradual development of a small butcher shop into a complete and modern food shop. Improvements in the store, purchased by Dan Klink in 1903, have been made under the direction of his son, Orval, youthful and forward looking Syracuse businessman. The Syracuse Hotel and Restaurant received a new lease on life when it was taken over by Mr. and Mrs. Harry Rathburn March 22 of this year. For many years the only hotel in Syracuse, the establishment was known as the Grand hotel and restaurant. The first thing Rathburn did when he took over the place was change its name from Grand hotel to Syracuse hotel. Then began a long period of extensive redecorating and refurnishing. These improvements, in the rooms and restaurant worked a great change in the entire place. The shopping trend seems to be swinging back toward Syracuse. This statement was made by L. A. Seider, veteran Syracuse groceryman and owner of Seider’s Grocery, for many years a food specialty, shop for town and lake people. He declared that the automobile, which for several years had taken many rural shoppers from Syracuse to larger towns, would bring many vacationers and summer residents to the town, attracted by the many improvements. The lake season will also bring many more people into town, he said. The Star Store, handling a complete line of men's clothing, with the exception of ready made suits, attracts more and more business from the well dressed members of the summer colony. This year business is expected to show a marked increase over last year’s total. Ray Foster is the manager of the Star Store