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3 THE PALM BEACH PQST . DECEMBER ;; $9J-' Nostalgia, not value, keeps Christmas clubs alive "I don't know if you'd call that a big comeback, but we are busier," he said. Competitor Lorraine McPeek, an account executive for CC Mar-. keting, a Dawsonville, Ga., company that also provides marketing materials and passbooks for bank holiday clubs, says she also has been busier than usual. "I definitely see a resurgence," she said. The company is the successor to Christmas Club Corp. of Eas-ton, Pa., which invented the concept in 1910. count. They started giving interest in the '50s," said Frank Mosher, president of Security Savings Systems Inc. of New Cumberland, Pa., which has been printing club coupon booklets used by banks for the past 67 years. Mosher says he expects to print about 2 million coupon books this year, about same as last year, though a far cry from a couple decades back when 8 million to 10 million were printed up. Lately, he said, he's gotten "an awful lot of reorders." EXPERIENCE.. REPUTATION.. RESULTS,. SINCE H70 REAL ESTATE LICENSE-APPRAISALS CERTIFICATION MORTGAGE BROKER LICENSE-PROP. MGMT. (CAM) CALL FOR FREE BROCHURE AND SCHEDULE GOLD COAST SCHOOL OF REAL ESTATE A RIUFI STfiB MUDAUV 3 We've moved! Our new WPB location is mm JEM depending on whether a coupon book was used. Many big banks, such as Wells Fargo and Bank of America, have eliminated the books altogether, relying on electronic money transfers that automatically move money to the holiday account. Northwest Savings Bank in Wilkes Barre, Pa., offered 3.5 percent interest for customers using direct deposit and 3.25 percent for those using coupons. Nearby Pioneer American Bank had rates of 2.75 percent and 3.25 percent, respectively. In both cases, if the one-year accounts are closed out prematurely, the customer forfeits interest. The rates are higher than the average yields on passbook savings accounts, 2.08 percent, and money market accounts, 2.62 percent, according to Bank Rate Monitor, though much lower than bank certificates of deposits. The average yield on a three-month CD is 4.13 percent, a six-month CD, 4.89 percent and a one-year CD, 5.18 percent, according to BRM. "For years they (Christmas clubs) didn't even have interest . . . just a gift for opening an ac- IRS vs. Cole Harvesting, 13699 Midway Road, Fort Pierce, 34954, $4,722 St. Lucie County Tax Lien Releases IRS vs. Thomas Selph, 2133 Johnston Road., Fort Pierce, 34951, $2,254 IRS vs. Ed Clement Custom Kitchens, 2900 Industrial 33rd St., Fort Pierce, 34946, $3,227 IRS vs. David C. Sims O.D.S., 1207 Delaware Ave., Fort Pierce, 34950, $5,324 Martin County Tax Liens IRS vs. Edward Culpepper & Sons Electric, P.O. Box 824, Indiantown, 34956, $9,269 Martin County Tax Lien Releases IRS vs. Sunrise Builders of Stuart, 800 N. Fork Road, Building 6 6, Stuart, 34994, $9,954 IRS vs. Sunrise Builders of Stuart, 1899 N.W. Azaelea St., Stuart, 34994, $34,906 IRS vs. Sunrise Builders of Stuart, 800 N. Fork Road, Building 6 6, Stuart, 34994, $25,119 er, in favor of less personal direct deposit or payroll deduction. Whatever their form, industry analysts believe they'll be around for years to come, just like the low-yielding passbook savings account. "This is all nostalgia," said Robert K. Heady, publisher of the Bank Rate Monitor newsletter in North Palm Beach. "We're all taught as kids to go up to the teller and put $1 a week away, and then we'll have $52 by the end of the year to buy . . . Aunt Sophie an apron for Christmas. "It's hardly what you would call an investment. Santa couldn't feed any of his reindeer on what you make on a club account." To be sure, Holiday Club yields are almost Scrooge-like when compared to what individuals can earn on other savings products and investments. And they often have a host of restrictions attached, like penalties for early withdrawal. While no organization regularly keeps track of club rates anymore, a random survey found financial institutions offering holiday clubs have yields ranging from 2.5 percent to 3.5 percent, Ronald W. Knlsley dba Ron Knisley Ma-sonary, 900 Laurel Road, North Palm Beach, 33408, $21,859 Palm Beach County State Sales Tax Liens A.T.C. Staffing Inc., 2300 N. Military Trail 104, West Palm Beach, 33409, $2,128 Palm Beach County State Sales Tax Lien Releases Naughty But Nice Too Inc., 766 North-lake Blvd., North Palm Beach, 33408 J.L.P. & Associates Inc., 800 S. Ocean Blvd. 303, Boca Raton, 33432 R.J. Electric Inc., 7912 Blackwood Lane, Lake Worth, 33467 Flicks & Critics Video Inc., 1533 S. Congress Ave., Delray Beach, 33445 Casa Como Inc. A Casa Como Pizzeria, 140 N. Congress Ave., Boynton Beach, 33426 St. Lucie County Tax Liens IRS vs. Health Care Associates, 3305 S. U.S. Highway 1, Fort Pierce, 34982, $11,605 IRS vs. General Molding Corp., 920 Angle Road, Fort Pierce, 34951, $3,110 The Associated Press NEW YORK Yes, there is a Christmas club. Like Santa Claus, fruit cakes and caroling, the old-fashioned savings program remains a holiday tradition at many financial institutions so says Virginia McGuire, spokeswoman for the American Bankers Association in Washington. Even though the savings plans may pale in comparison with more-lucrative investment vehicles, many institutions have been reluctant to drop them because of customer demand. In fact, some report that demand is actually rising lately. "For a while it went out of style, but they seem to be making a comeback," McGuire said. "It's kind of like ... old clothing from the '60s is back in style today." The '90s version of the CTu-istmas Club, which dates back "to the turn of the century, is noticeably different from clubs of years past. Most banks have now renamed them Holiday Clubs. And some have even abandoned the old coupon book, which customers get stamped weekly by a tell- State and federal tax liens and releases of liens recorded with the respective counties. This information was gathered by Home Builders Weekly of Longwood. The Palm Beach Post cannot guarantee the accuracy of this information. Before acting on it, readers are advised to contact the appropriate government agency for verification. Palm Beach County Federal Tax Liens Florida Four Seasons Manor Inc., 708 N.E. Fourth St., Boynton Beach, 33435, $42,269 Interactive Systems Inc., 334 S. Killian Drive, Lake Park, 33403, $49,383 Palm Beach County Federal Vax Lien Releases Ronald W. Knisley dba Ron Knlsley Ma-sonary, 900 Laurel Road, North Palm Beach, 33408, $21,859 McRich Enterprises Inc., 8683 Saw Pine Rd., Delray Beach, 33446, $9,253 Florida Four Seasons Manor Inc., 1708 N.E. Fourth St., Boynton Beach, 33435, $23,364 Timothy C. 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