The Des Moines Register from Des Moines, Iowa • Page 57

DES MOINES SUNDAY REGISTER NOVEMBER 25, 1984 9F Women take charge of finances tans attend national fl-D Congress mutual funds increased from percent to 10 percent and real estate ownership increased from 13 percent to 17 percent Money market funds, which were relatively new during the last survey, now attract investments from one in five of the women, compared with one out of 100 five years ago. NEW YORK, N.Y. (AP) Nine out of 10 single women responding to a survey say they are primarily responsible for managing their own finances, and two-thirds of the married women said they share financial decisions equally with their husbands. Sixteen percent of the married women said they were the chief financial decision-maker at home and 14 percent said their husbands were, the -f lira's -i life. Ln ei 1K DEMA RE WERT Investment Company Institute has JULIE JAN I BRANOT ORTH aaiLLCB) FERRY LARS SITE ELAINE SEXTON KTHDROV PLAGES FACES Hi tit C.

David Harkness V. U. i VZ eJbV A YM LUtin i a vnn JANE BAN RICHARDS MILLER HAMILTON Dl BACA YOUNO THUMMA C. David Harkness has been promoted to plant manager of Oscar Mayer Foods Perry location. Harkness joined the company in 1960 and has held various positions in production supervises sion.

Most recently DAVID HARKNESS as production manager at the compa found. Almost half of the more than 2,000 women who responded to the mutual fund trade group's survey said they are willing to assume moderate or substantial risk in return for a higher yield on their money. The majority of the women cited retirement as their No. 1 savings goal, with 32 percent saying they had opened an individual retirement account within the past two years. Most single women, however, said saving for travel expenses was their priority.

The survey was based on responses from 2,158 women, about 16 percent of those who received mailed questionnaires last spring. The women's marital status closely matched population estimates, but the respondents had higher incomes and were younger and better educated than the population at large, the institute said. Most women are active savers, with two-thirds saving on a regular basis half of whom save 8 percent or more of household income, the institute said. While 90 percent of the women said they use a passbook savings account, they view them less favorably and the balances in such accounts are lower. In addition, women are tending away from U.S.

savings bonds, with one fourth owning them compared with a third who did five years ago, during the institute's last study. A third of the women reported owning stocks compared with 20 percent five years ago. Ownership of stock ny's Davenport plant. Larry D. Hartsook Larry D.

Hartsook has been elected corporate controller of the Meredith Des Moines. Hartsook joined Meredith in 1969 as 1 NT a cost analyst in the company's printing operation. He has held various financial positions in the printing, corporate, LARRY D. HARTSOOK SUSIE RHONDA LAYNE DANA BRADD SCOTT EVANS MOORE TWINAM KUNZE LfCHT SNYDER BRIAN KAY DAVID SCOTT TOM TODD SOWERS STORJOHANN DEEMER REUT1NCER SCHOFFELMAN MAY rllrf, IrVfi' OT-rf jC iLfi.yl 'vL-. LX ti Vii BARB VANETTE TRACY DON DEAN MARK J.

SCHRANDT HUNT MEYER MARTIN BRCKA EBERLINO KEVIN JILL KENDALL DALE CHRIS JOHN HOLST CROSS SWANSON KOENHSSBERS MCSOWAN ROACH magazine and book operations, most recently as staff vice president. U.S. TKEASUar BOXDSsfiOTEtL. CRAW KATIE SUMP HOY MICHELLE PRICK Credit card fraud becomes crime industry By MARTIN CONNOLLY rm KitM-Rktaer Newspapers As a credit card holder, you may not be the master of the charge you thought you were. Credit card fraud, now a sophisticated white-collar crime industry, has accounted for more than (100 million in losses in the last three years in the United States, according to a recent report from the House Judiciary Committee.

And each year, the losses grow astronomically as swindlers, or bunco experts, hone their skills and cook up new scams. And even if the police catch somebody, credit card fraud, like computer theft, is one of the most difficult crimes to prosecute. In the end, it is card holders who finance the crooks, partly through interest rates as high as 20 percent or more. No longer is the stolen credit card the only worry of such companies as Visa, MasterCard and American Express. Counterfeit card rings are spreading, telephone call, or telemarketing, scams are fooling more of the public, and organized crime is getting a piece of the action, experts say.

Total losses due to all kinds of credit card fraud reported by individual banks in 1981 and 1982 grew 15 times over 1973 figures. Losses from counterfeit card operations alone are even more staggering: for every dollar lost in 1973 to counterfeiting, $760 was lost in 1981 and 1982. Members of one credit card company, MasterCard, reported that its losses from counterfeiting increased from nearly nothing in 1973 to $1,306,148 in 1981, to $9,337,354 in 1982, according to a House Subcommittee on Crime report. "The increase in total fraud losses during that period is even more astounding," the report states. MasterCard reported that by 1982, its members lost jumped to $45,613,550 an increase over 1981 alone of $19.8 million.

Industry figures for 1983 are not yet available. Many of the schemes involve well-oiled, convincing telephone pitches, and they're working. Some offer microwave ovens, fishing boats, coupon books, TVs or vitamins. Others offer discount deals or announce "you're the winner of a cruise to the Caribbean." That's the bait. The hook is getting the credit card number.

In the end, the consumer every credit card holder pays for the losses, according to Los Angeles Police Sgt. Russ Meltzer, the president of the International Association of Credit Card Investigators (IACCI). "We all absorb the losses in the end. It's the same with any kind of consumer fraud," Meltzer said. "Recent fraudulent card activity is of a type far different from that experienced prior to 1980," according to the House Judiciary report.

"Much of the recent fraudulent activity does not involve a lost or stolen card at all, but rather the improper use of account numbers and the manufacture of counterfeit cards." The Judiciary report became the basis for a bill signed into law Oct. 12 by President Reagan entitled the Counterfeit Access Device and Computer Fraud and Abuse Act of 1984. Experts say it is the first significant federal effort to deal with the problem. In one case detailed for the Subcommittee on Crime, agents found enough magnetic tape to produce 100,000 credit cards. Witnesses in that case testified that the leader of the ring dealt exclusively with members of organized crime.

And methods of counterfeiting are sophisticated. One recently developed method to combat counterfeit credit card production uses holograms, or tiny three-dimensional photographic plates implanted on the card. Difficult to fraudulently reproduce because they are made with laser light, holograms could stem the tide in counterfeit card production. The new law makes dealing in counterfeit credit card use or any misuse of fraudulently obtained numbers a felony, punishable by up to 15 years in prison and fines of $50,000 or twice the value of the fraud. And, for the first time, it empowers the Secret Service to investigate credit card crimes.

Until the new law, however, there had been few prosecutions of such frauds, according to investigators. The problem is twofold: figuring out where the crime occurs when the credit card bank is in California, the scam artist is in New York and the victims are all over the country; and paying for flying witnesses from all those places to a trial. In the case of credit cards, the victim's complaint to a credit card company about a spurious charge is almost always honored because the law favors the consumer. So when a card holder objects to a debit, the franchise processor for the credit card company charges the merchant's bank. Left holding the bag in most cases are the banks that are ripped off by transient "merchants," bunco experts in the credit world.

In most cases, they have pulled off their ruse by posing as legitimate businessmen, opening merchant member bank accounts that pay them cash when they turn in the bank copy from those ubiquitous credit card triplicate forms. In many cases, the plunder is successful because some banks simply don't check out the merchants with whom who they are dealing. AMES, IA. Forty Iowans will be among the 1,600 outstanding 4-H'ers who will be participating in the 63rd National 4-H Congress scheduled for Nov. 24-29 in Chicago, I1L The Congress theme is "4-H Building on Experience" and emphasizes personal development.

The week-long educational program includes workshops on positive thinking, decision-making, selling yourself, handling emergencies, health and nutrition, stress and grooming. In addition, delegates will be given a broad choice of educational field-trip experiences in Chicago, hear from corporate and government leaders and attend a formal banquet Donors from the private sector contribute directly to the Congress program. During the week, eight national 4-H alumni winners will be honored, certain donors will be recognized as partners in 4-H and 284 4-H youths will receive scholarships in recognition of their achievements through 4-H and youth programs as documented in their record books, the selection process includes local, county, area, state and national evaluations. Adults who will accompany the Iowa youth delegation are state 4-H and youth staff members Charlotte Smith, Ames; Karen Hall-Johnsen, Ames; Sioux City Area Extension Director Roger Iverson, Sioux City; Monroe County Extension Director Gary Peterson, Albia; Judi Hertle, Vinton, adult volunteer; Melva I. Berkland, Ames, communication specialist for 4-H; Robert Skinner, Des Moines, and Maurice Martin, West Des Moines, Iowa 4-H Foundation representatives, and Jerry Parsons, Ames, state leader in 4-H and youth programs.

The 1984 4-H award winners are: AtntworUn Larrette Sexton, 18, Is the state 4-H agricultural carters award winner and the daughter of Larry and Carol Sexton. As a nine-year 4-H er. she has participated in the state 4-H conference and Citizenship Washington Focus. She qualified for Iowa livestock fudging team and represented the state at the 1982 national 4-H livestock judging contest in Louisville, Ky. Her trip donor is DeKalb Ag Research DeKalb.

HI. Albert City: Elaine Fondroy. 18. is the state 4-H bread award winner. She is an eight-year 4-H'er and the daughter of Richard and Doris Fondroy.

She baked bread for huge crowds the heritage demonstration at the Marathon Centennial. She also has compiled, typed and distributed blue ribbon recipes from county fair food exhibits. She is a freshman at Iowa State University and plans to study food science and dietetics. Trip donor is Fleischmann Division: Nabisco Brands New York. N.Y.

Ames: Julie Orth, 16. is the state 4-H child development award winner. She is the daughter of Ronald and Darlys Orth and is a nine-year 4-H'er. Five years ago she started Parkview Playschool, which is held two days each week during the summer for children ages three to six years. A senior at Ames high school, she has been a volunteer at Mary Greeley Medical Center's Pediatrics Unit in Ames.

She also has earned child development awards at the county, area and state levels. Trip donor is the Iowa 4-H Foundation. Ames: Jane Richards, 18. is the state 4-H leadership award recipient and the daughter of R.K. and Virginia Richards.

An eight-year 4-H'er, she and another state 4-H council member have developed a series of self-esteem workshops that they have presented throughout the state. She also has been working with a new 4-H group at the Ames Mainstream Home tor mentally handicapped children. She is a freshman at Iowa State University majoring in pre-veterinary medicine. Her trip is sponsored by Readers Digest. PleasantvHIe.

N.Y. Boone: Lori Miller, 18, is the state 4-H livestock achievement award winner and the daughter of Robert L. and Luella Miller. During her seven years in 4-H, she has learned to recognize many animal diseases and methods for treating them. She has held five local offices and was a member of the county 4-H council.

She has exhibited in the market lamb, market flock and sheep divisions at the Iowa State Fair. She is a freshman at Des Moines Area Community College in Boone majoring in accounting. Kent Feeds Muscatine, will sponsor her trip. Churdan: Dana Hamilton, 17, is the state 4-H sheep award recipient and the daughter of Vernon and Shirley Hamilton. A nine-year 4-H'er, she says that learning to shear sheep has been a major accomplishment.

She also served lamb at a county extension food fair. She has served on county, area and state 4-H councils. She is a freshman at ISU. majoring in pre-veterinary medicine. Trip donors are the Iowa Sheep Producers and the Iowa Ram Testing Association, both of West Des Moines.

Clarion: Susie Evans, 17, is the state 4-H consumer education award winner. She is the daughter of Terry and Sharon Evans and is an eight-year 4-H'er. In her 4-H project, she planned and organized a county-wide home-Improvement tour and also has made and sold crafts. She attended state 4-H conference and Citizenship Washington Focus and has been a disc jockey at a local radio station. Trip donor is the Iowa 4-H Foundation.

Coon RapMs: Rhonda Moore, 18, Is the state 4-H achievement award recipient and the daughter of Marilyn Moore. Her accomplishments include organizing the first Guthrie County horse project club. She received a state certificate of merit and was the state 4-H block and bridle queen. An eight-yea' 4-H'er, she Is a freshman at the University of Nebraska. Ford Motor Company Fund, Dearborn, wiH sponsor her trip.

Crewfordtvllle: Layne Twinam, 17, is the state 4-H swine award winner and the son of Charles and Janice Twinam. An eight-year 4-H'er, he says he has learned the importance of good genetics in a commercial swine herd. He took third place in the State Fair livestock judging contest and has judged at the Junior Western Livestock Show in Denver. He is a senior at WACO high school. His donor is the Iowa Pork Producers Association.

Creaco: Brian Sowers, 18, is the state 4-H entomology award recipient and the son of DarreH and Janice Sowers. His interest in entomology has led him to teach other people about the subject. He has had two insect collection displays at the county fair; one qualified to go to the state fair. He also has given a demonstration on collecting insects. During his nine years in 4-H, he earned the county merit and achievement awards and participated in the county Chicago trip.

He is majoring in computer science at Northeast Iowa Area Community College. Trip donor is the Iowa 4-H Foundation. Davenport Kay Storjohann, 17, is the state 4-H Fashion Revue award winner and the daughter of Bill and Marian Storiohann. An eight-year 4-H'er, she designed her winning outfit after seeing a S340 design in a magazine. She also earned the state wool award for this same suit.

She has earned area awards in citizenship and creative visual art and has shown food and nutrition and clothing exhibits at the Iowa State Fair. She is a senior at Davenport West High School. Her trip sponsored by Simplicity Pattern New York, and White-Elna Sewing Machine Co. of Cleveland. Davis City: David Deemer, 18.

is the state 4-H livestock achievement award recipient and the son of Ronald and Lucille Deemer. He has marketed both swine and beef 4-H projects and is using his experience to pursue a career in farming. A nine-year 4-H'er, he has held three local offices and participated in state 4-H conference. He is a 1984 high school graduate. Trip donor is Kent Feeds Muscatine.

Deaaran: Barb Schrandt, 18. Is the state 4-H horse award recipient and is a nine-year 4-H'er. She is the daughter of Ted and Edna Schrandt. Among her achievements have been organizing six horse project meetings and riding one mile on horseback to help deliver money raised for Iowa's handicapped. She earned county awards including fashion revue, home improvement, public speaking and junior leadership.

She is a freshman at the University of Northern Iowa. Her trip is sponsored by Tal-bot-Cartson Audubon. Diagonal: Vanette Hunt. 16, is the state 4-H conservation award recipient and the daughter of Frank and Lois Hunt. She is an eight-year 4-H'er who heads "project roots." collective community effort to help citizens understand the importance of conserving natural resources.

She has served on county and area 4-H councils and was a finalist in the Younkers Total Look Contest at State Fair. She is a senior at Diagonal high school. Trip donor is Deere and Company, MoHne, M. Tracy Meyer, 17, is the state 4-H safety award winner and the daughter of Maynard and Mar-cetta Meyer. As a nine-year 4-H'er, she has given several presentations on how to avoid being an easy crime target.

She earned a county-sponsored trip to Minneapolis and has attended state 4-H conference. She I a freshman at ISU majoring pre-buwets. I4s Jan 1989 112 8 110 26 112.1 1.20 10 17 111 Feb 1989 101.31 100 II I0UI 1 17 10 71 I4s Apr 1989 111.23 1109 111.23 1.21 10 94 9'i May 1989 95 93.14 95 124 1069 1P.S May IW 103 1 101 16 103.1 1.23 10 88 14'is Jul 1989 112 19 110 30 112.19 1 2 10.96 13's Aug 1989 110 11 108.21 110.11 1 28 1101 Ocl 1989 103 24 102 5 103.24 126 10 87 10HS Nov 1989 99 26 98 4 99.26 1.30 10 80 Nov 1989 106 21 105.2 106 21 1.25 1091 Jan 1990 98 17 96 25 2.3 1018 3'is Feb 1990 90 13 19 11 905 19 71 lO'll Apr 1990 98 14 96 20 98 14 2 4 10 89 B' May 1990 90 20 M2I 9020 1055 1CS Jul 1990 99 4 97 7 99.4 2 5 1096 10s Aug 1990 994 976 994 25 1094 U'is Oct 1990 102 6 100 13 162.6 22 10 99 13s Nov 1990 108.10 106.11 106 10 2 11 .06 1U4S Jan 1991 103 1 101.1 103.1 2.2 11.06 12s Apr 1991 105.21 103.26 10521 2.5 11.11 l4'is May 1991 114.29 113.2 114.29 2.4 11.20 Us Jul 1991 111.20 109 24 111.20 2.6 11.22 14'js Aug 1991 116 26 114 31 116 26 2.2 11.24 Ocl 1991 105.12 103 15 105.12 2.o 11.11 14'4i Nov 1991 114 i4 117 17 114.14 2.5 11.21 14s Feb 192 116.13 114 IS 116.13 2.5 11.25 )34 May 1992 112 16 110 16 112.16 2.1 11.23 Aug 1987-92 90 21 90 1 90.21 .24 5.77 Aug 1992 12 13 10 12 82.13 2.10 10.65 10" Nov 1992 96 11 94 15 94 11 2.11 11 16 4s Feb 1988-93 90 5 89.20 90 5 .24 5.51 6Js Feb 1993 79.8 77 13 79.1 2.4 10 59 7Ms Feb 1993 84 1 11.24 84.1 2 1 10 86 I0'1 Feb 1993 91 10 966 98.10 2.15 11.1? 10'l May 193 94.12 92 6 94 12 2.16 11 17 7'ii Aug 1988-93 11.17 79 22 II 12 1.21 1086 83 Aug 1993 16 14 14 12 16 14 29 1109 1 1 'K Aug 1993 103.6 1011 1036 2.10 1129 ls Nov 1993 861 84.7 161 2 14 1101 1U1 Nov 1993 n. 102 20 100 19 10! 20 2.13 1121 9s Feb 1994 18 2 15 30 88.2 2 16 II 10 4'i May 1989-94 90.7 19.23 90.7 .23 5 46 I3'l May 1994 110.20 1087 11020 2.27 11.27 ta Aug 194 86.10 84.4 66.10 2.11 1109 121 Aug 1994 106 2 105.21 1012 2.21 11.74 Nov 1994 94.11 92.12 94.11 2.1 11.01 llS Nov 1994 102 11 100 4 102 11 2.21 11 23 3s Feb 1995 906 19 30 90.5 I 4.19 10'is Feb 1995 96 10 94.1 96 10 2 18 11 II 101 May 1995 95 15 93 9 95 15 2 20 11.12 I2s May 1995 108 22 106 II 10122 2.20 11 20 ll''il Nov 1995 IO2.i2li)0.4 102.122.19 11.12 7s May 72.13 71 72 13 1.26 10 97 3'1S Nov 1998 1931 19.21 1931 .15 4.47 I' ll May 1994-99 11.20 79.2 11 20 3.2 1108 7'i Feb 1995-00 76.3 74.3 76 3 2 IS 11.11 11 Aug 1995-00 79 12 77.14 79.12 2.14 11.19 1I4H1 Feb 2001 102.16 100.6 102 16 2 25 11.41 13V.S May 2001 112.11 109.31 112.11 2.21 11.44 8s Aug 196-01 76.1 744 76.1 2.11 II 17 131 Aug 2001 114.2 111.22114.2 2.2111.47 15Ji Nov 2001 131.15 179 14 131.15 2.1 I) 49 Feb 2002 1214 118 78 121.4 2.26 1142 1IS Nov 2002 101 16 99 10 101 16 2 22 1143 10s Feb 7003 94 27 92 23 94.27 2.21 1143 I0ls May 2003 94.21 92.24 94 21 2.22 11.42 ll'M Aug 2003 97 25 95.15 97,25 2.2 11.41 I I'M Nov 2003 103 11 101 1 103 11 2.2? 11 44 12s May 2004 107.7 104 26 1077 2.2? 11.44 1341 Aug 2004 Ill 12 11525 111 12 3.1 11.39 11s Aug 2004 101.79 99 19 101.29 2.2? II 38 May 2000-05. 74 31 75.1 76.31 2.13 11.13 71 Feb 20(12-07 71.15 6917 71 IS 2 IS 11.11 7'M Nov 2002-07 73.2 71 4 73.2 2 15 11.15 11 Aug 2003-01 76 23 74 21 7623 2 11 Nov 2003-01 775 791 2.20 11.27 9' is May 2004-09 124 803 12.1 2.11 11.21 10s Nov 2004-09 91.28 89 23 9121 221 11 36 II'AS Feb 2005-10.

102.27 100.21 102 27 221 113? 10s May 18 86 26 16 2.1? 11.34 124t Nov 2005-10 11025 1M.24 110.25 2.2? 113? 13'11 May 2006-11 117 12 119 27 3.2 1131 14s Nov 2006-11 120 23 116 70 120 21 271 11.39 101 Nov 2007-11 91.28 89.24 91.78 2 20 11.34 12s Aug 2008-13 104 24 105 II 104 24 2.22 1142 I3'1 May 2009-14 115.16 113.4 11516 2.29 11.36 12' Aug 2009-14k 109 16 107.16 109 16 2.16 1135 lli.1 Nov 2009 14k 103.24 101.11 103.24 2.30 30 Non U. S. ciliien eenpl trom withholding takes, Treasury note, Treasury note and non S. citizen exempt trom withholding laxes. NEW YORK (AP)- Gver-tne-Counler US Government Treasury bonds, weekly high, low and dosing asked prices, the ne! ctianee from the previous weeks closing asked price and yield.

Prices in dollars and Subict lo Federal taxes but not Slate income taxes. Rile Maturity High Lew Last On Yield I'm Nov in 100 4 100 4 100 4 3.11 4 Dec 1984 100 5 100 4 100.5 .1 7.3 14s Dec 1M 100 20 100.19 100.1? .2 7.12 Jan IttS 100 4 100 4 100 4 1.21 Is Feb WIS W2? 71 2 .3 25 Feb 1W5 100? 100 4 100 7 I B.55 14-w Feb "X5 101 12 101.11 101 II 101 1M Mar mi 100 7 100 6 100 7 .2 1 83 13s Mar 165 101.17 101.16 101 17 .1 157 'is Apr mi 1001 100 5 100 .4 113 3''s May 19S5 9810 9S 4 914 740 May 1975-15 91 15 98 10 9 11 .3 7.92 9' May I95 100 15 100 11 100.15 .5 8.91 10s May 1985 100 21 100 19 100.2! .3 188 I4's May 1985 102 12 102.11 102 12 .2 179 14s May 1985 102 16 102 14 102 15 .2 1 83 14s Jun 1985 102.23 102 20 102.23 2 9.19 10s Jun 1985 100 16 100 12 100 16 .5 9 12 101 Jul 1985 100 29 100 22 100 29 .7 9.22 1'us Aug 1985 99.9 99 5 99 9 .5 9 30 9Vas Aug 1985 1008 100 1008 I- I 9 26 lOVu Aug 1985 100.28 100 21 100 21 4- I 9 40 13's Aug 195 n. 102.20 102 13 102 20 .7 9.27 lOiis Sep 1985 101.6 100.30 101.6 .9 938 15' 1985 105.7 105 105.7 .1 9.30 lOVis Oct 1985 10030 100 19 10030 .11 9 9s Nov 1985 10C? 99.31 100 9 .11 9 44 Wn Nov 1985 10021 10019 100 21 .11 9.57 Hits Nov 1985 102 3 KM 25 W2.3 .10 9 44 I0w Dec 1985 1011 100 29 101 1 .13 9.64 14'is Dec 1985 104 II 104.1 I04 963 10s Jan 1986 100.21 100 II 100 21 .14 9 82 10'is Feb 1986 a 101 7 100.26 101.7 .16 912 13'is Feb 1966 n. 1041 103 22 104 1 .14 9.91 9'ts Feb 1986 99.30 99 20 99.30 .12 993 I4S Mar 1986 104.31 104.19 104.31 .15 9.96 libs Mar 1986 101 29 101.17 101.29 .14 9.95 114S Apr 1986 102 10 101 21 102.10 .17 9.97 7' May 1986 97 10 96 26 97 10 .19 919 9s May 1986 99.7 98 24 99 7 .19 9 96 I2s May 1986 103 15 103 2 K3 15 .17 1009 I3V.S May 1986 105 104 19 105 .17 10 00 13s Jun 1986 104 5 103 23 104.5 .11 1011 14's Jun 1986 106 25 106 12 106.25 .16 10.16 12M Jul 1986 103.20 103 5 103 20 .19 10 22 8s Aug 1986 96.21 96 8 96.21 .16 10 17 lls Aug 1986 10! 26 101.10 10126 .19 1020 121 Aug 1986 103 1 102 22 103.8 .22 1031 ll'tis Sep 19B6 102.19 102 1 102 19 .23 10 29 12'4S Sep 1986 103.7 102.22 103 7 .21 10 29 UHs Oct 1986 p. 102 II 101 23 102.11 .22 10 25 6'KS Nov I9M 94.15 94 2 94.15 1.6 9 26 Us Nov 1986 101.13 100 25 101.13 .22 10 19 13'ts Nov 1986 n.

106 10 105 22 106 10 .23 10 75 16' Nov I986 1109 10920 1109 .24 10.22 10s Dec 186 99 21 98 30 99 21 .26 10 19 9s Feb 1987 97 15 96.20 97.15 .29 10 30 10M Feb 1987 100.31 100 6 100 31 76 1031 12s Feb 1987 104.17 10374 104 17 .27 10.41 10 Mar 1987 99.71 98 27 99 21 .21 10 42 12s May 1987 103 12 102.11 103.12 .29 1041 12'is May 1917 104.13 103.14 104.13 1 1043 14s May 1917 107 17 106 II 107 17 .30 10.46 IO' js Jun 1987 100 3 99 4 100.3 1.4 1046 121 Aug 1917 104.10 103.1 104 10 1.4 10 51 '3s Aug 1987 107.10 106.13 107 10 1 10.59 11 's Sep 1987 101 11 100 II 101.11 1.4 10 41 7w Nov 1917 94.3 93 4 94 3 1.4 9 97 lis Nov 1987 101.6 100.9 101.6 1.2 10.52 12s Nov 1917 105.7 104 7 105.7 1.4 10 53 Dec 1987 101.25 100 24 101 25 17 1 056 I7M Jan 1981 104 19 103 18 104 19 1.7 1061 lO'M Feb 1988 98 21 97 98 21 1.7 10.63 12s Mar 1988 103.21 102 11 103.21 1.1 10.67 13's Apr 19H 107.1 105.30 107 1 1.9 10.72 V. May 1988 93.15 92 10 93.15 1.11 10 55 9's May 1981 97 21 96.16 97 21 1 11 10 70 13s Jun 1988 1081 106.30 1011 1.14 1080 14s Jul 18I 109 14 108 9 109 14 1.10 10 79 lOVis Aug 1988 n. 99 12 97.31 99 12 1 It 1071 151 Ocl 1988 114.4 112 30 114 4 1 10 1012 lls Sep 1981 101.29 10021 1012? 1.15 1076 IM Nov 1988 94 92 24 94 1.15 10.64 1146s Nov 1961 n. 103.2 101.20 103.2 1.19 10.71 MONEY MARKET: NEW YORK (APt-The fonowin, quotations, counted bv the NASD Inc. art me average ol annuaHie yields and dotor-weieMed portfolio maturities lor the seven day period ending Fri4av.Nov.

23. Yield based won actual dividendi paid (total return! to sherehokterv Money Market: Trip donor is General Motors Corporation. Detroit, Mich. Eldrldge: Kevin Hoist, 17. is a 1984 state 4-H beef award winner and the son of Gary and Joyce Hoist.

He began his beet project work with four steer calves, and expanded into all 4-H beef project areas. He is an 8 year member of 4-H and participated in 4-H conference and Citizenship Washington Focus. His beef animals twice produced county champion carcasses. He is a freshman at ISU. His trip is sponsored by the Iowa Beef Industry Council.

Fontanelle: Jill Gross, 18, is the state 4-H home environment award winner and the daughter of Frances and August Gross. She has been in 4-H nine years. One of her projects was to locate mirror tiles at proper heights for wheelchair residents of a senior citizens' home. She is a freshman at ISU. Her trip is provided by the Iowa 4-H Foundation.

Sett- Kendall Swanson, 17, is the Iowa 4-H food and nutrition award winner, and the son of Ronald and Florine Swanson. He conducted a boys' bake break workshop to promote interest in this project, which is an area in which boy 4-H'ers usually aren't interested. He is an ISU freshman majoring in food technology. His trip is sponsored by General Foods Corp. AreenMeM: Jane Miller, 17, is the state achievement award winner, and a nine-year member of 4-H.

Her parents are Mike and Carol Miller. She has held eight local 4-H offices and has taken part in the Iowa 4-H Conference. She has given nine demonstrations concerning the importance of record books. Jane is a freshman at Southwestern Community College in Crestot. Her trip is sponsored by Gulf Central Pipeline of Tulsa.

Ola. Harlan: Brandt Ferry. 18. is the Iowa agriculture award winner. He is the son of Richard and Julienne Ferry.

His projects include custom farming, the marketing of sweet corn, establishing a cow-calf herd and designing farm equipment. He is a senior at Harlan high school. His trip is provided by the agricultural equipment and production groups of International Harvester Co. Hubbard: Debra Reinert, 17, is one of the two Iowa 4-H photography winners. Her parents are Wii-bert and Joy Hubbard.

She has belonged to 4-H for eight years, and helped with a North Hardin County photography workshop program. She is a high school senior at Hubbard Her trip sponsor is Eastman Kodak Co. Huxley: Louis de Baca. 17. is the Iowa 4-H beef winner, and the son of Robert and Mary de Baca.

He has been in 4-H for eight years and has held five local offices. His project work includes veterinary science and communications projects as well as beef enterprises. Louis is a senior at Ballard. His trip is sponsored by the Iowa Beef Industry Council. Johnston: Lisa Young, 1 7, is an Iowa 4-H achievement winner and a six-year member of 4-H Her parents are Dennis and Diane Young.

She has been a member of the Iowa 4-H Council. Her activities include working as an aide and a swimming instructor for handicapped youth and adults at Woodward State Hospital-School. She is a freshman at ISU. Her trip is provided by Gulf Central Pipeline Co. Laurens: John Thumma, 1 7, is the 4-H petroleum power award winner.

He has been in 4-H for eight years and is the son of H. Russell and Lanore Thumma. He collects antique tractors and engines, and has been adding to his collection over the years. He has driven some of these old tractors in community parades. He hosted 4-H exchange students from Canada.

England and Norway at the family's farm home. He is a senior at Laurens-Marathon Community School. His trip is paid for by Amoco Foundation Inc. of Chicago. Lewis: Dana Kunze, 18, is the lewa visual art winner and a six-year member of 4-H.

His parents are Richard and Barbara Kunze. His work includes oH paintings, pen and ink sketches, sculpture and pottery. His sketch of a hometown landmark led to a fund-raising effort to restore Hitchcock House. He is an ISU freshman His trip is sponsored by Creswell. MunseK, Fultz and Zlrbel Cedar Rapids.

Lowden: Bradd Licht, 18, is the Iowa 4-H veterinary science award winner. He is the son of Lawrence and Elda Licht and has been a 4-H'er for nine year. He has worked as a camp counselor, and has helped other 4-H'ers with their projects. In addition, Bradd has worked at an area nursing home. At the Farm Progress Show, he worked in the 4-H tent helping take blood pressure tests.

His trip is provided by Coca-Cola Co. Milton: Scott Snyder. 18. it the state 4-H veterinary science winner, and the son of Adam and Joyce Snyder. He worked with a local veterinarian to learn more about the profession.

He has been in 4-H for 1 1 years, and has earned several county awards with projects including livestock. He is a freshman at ISU. His donor Is the Dr. J.E. Salsbury Foundation of Clear Lake.

Morning Sun: Scott Reutinger, 17, is the 4-H wood science winner and the son of Ramon and Betty Reutinger. He has been in 4-H for eight years and has constructed several items of wood, including the signs used at various livestock buildings and pens at the county fair. He is a senior at Wapello Community High School. His trip is provided by Weyerhaeuser Company Foundation, Tacoma, Wash. Mount Pleasant Tom Schoffelman, 18, Is the 4-H public speaking winner.

His parents are Les and Shirley Schoffelman. he has been a 4-H'er for nine years. His work in 4-H helped him get a ob as a radio announcer and disc jockey. Tom has also held eight local 4-H offices. His trip is paid for by the Union 76 Division of Union Oil Co.

of California. Muscatine: Todd May, 17, is the forestry winner. He is tne son of Jack and Elaine May. and established a woodlot on his family farm. He has been in 4-H for eight years.

He has attended the state 4-H Conference and has earned an Iowa State Fair Meredith Award of Excellence. He is a senior at Muscatine High School. His trip is provided by International Pa- per Co. of New York. Norway: Don Martin.

19, is the 4-H automotive award recipient. He restored a 1978 Camaro vehicle as one of his projects. He took auto body and welding night courses for several months to pick up the skills needed in the restoration effort. He is the son of George and Sandra Martin. He is attending Lincoln Technical Institute in West Des Moines.

His donor is Firestone Tire and Rubber Co. Plymouth: Dean Brcka 18. Is the Iowa petroleum power award winner. During his nine years in 4-H restored several engines and developed a collection of 20 antique engines and related equipment. He has taken part in a county 4-H trip to Chicago, the state 4-H Conference and the Citizenship Washington Focus.

He is the son of Frank and Marquerite Bicka. He is a freshman at an area vocational school in Austin, Minn. His trip is provided by Amoco Foundation Inc. PosMUe: Mark J. Eberling.

19. is the Iowa dairy award winner. He has an important part in the management of his family's 45-cow dairy herd. He is the son of Kartton and Shirley Eberling. Mark has been a 4-H'er tor 10 years.

He helped organize a "pee-wee" dairy show in Allamakee County for young potential 4-H Club members. His trip is provided by the Northeast Iowa Production Credit Association. Sheffield: Dale Koenigsberg, 1 7, is the Iowa crop production winner, and the son of Melvin and Frances Koenigsberg. He helps his family farm, but also owns 12 acres devuted to crops himself. He knows how to select quality seed, and can test soil for nutrients prior to planting.

He is a senior at Shef-field-Chapin Community School. His trip Is sponsored by GROWMARK of Bloomington, III. Sioux City: Chris McGowan, 17, is the state health award winner. One of his projects was the establishment of a "Students Against Drunk Driving" program in high school. He is the son of Jerry and Sheryl McGowan.

and a senior at Heelan High School. Chris has been in 4-H for eight years. His trip it paid for by Kraft Inc. Glenview, W. Stoui City: John Roach.

18, is a state veterinary science award winner who organized a protect called "Vet Pet" in which tests and contests were conducted concerning animal health. He is the son of J.K. and Lou Roach and a senior at Heelan in Sioux City. He has been a 4-H'er for eight years. His trip is provided by the Dr.

J.E. Salsbury Foundation ol Clear Lake. Storm Lake: Craig Sump, 1 7. is the Iowa 4-H gardening award winner He is the son of Joyce Sump. One of his activities was a series of radio interviews focusing on gardening that he conducted with the Buena Vista County Extension Director.

He learned proper toil care methods as weH as how to control weeds and insects in gardens. He is a senior at Newell-Providence Community School. Earl May Seed Co. of Shenandoah is paying for his trip. Storm Lake Sheryl Meyer, 18.

(picture not available) it the state 4-H dog award winner. She it the daughter of Ron and Jane Meyer of Storm Lake, and has been in 4-H for nine years. One of her main projects was to teach dog obedience to a group of 4-H'ert in a neighboring county where such a program was not available. Sheryl also took part in a 4-H exchange program to Wisconsin. She is a senior in high school in Storm Lake.

Her trip It provided by the Iowa 4-H Foundation. Stofy CHy: Katie Hoy, 17, is the state home management award winner. She is being recognized for her efforts in redecorating two rooms in the family't home. Katie it the daughter of Donald and Mary Hoy, and a senior at Roland-Story High School. She has held five local offices and served on the Story County 4-H Council.

Her trip is provided by Beatrice Foods Co. of Chicago. Vfateott Michelle Frick. 19. is the Iowa 4-H cloth- ing award winner.

She is the daughter of Curtis and Mary Frick, and has been a 4-H'er for nine years. She has developed a computer program tor clothing design, and has shared her sewing skills with others while working on her high school home economics i program. Michelle has taken part in state conferences and leadership programs sponsored by the 1 4-H. She is a freshman at the University of Iowa. Her trip it provided by the Iowa 4-H Foundation.

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