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![C O N T E N T S
C H A P T E R P A G E
Preface v
Introduction 1
Wage Data 4
Cost of Living and Real Earnings 12
Worker's Budgets 16
Wage Comparisons 19
Changes in Productivity 30
Ability to Pay 39
Economic Environment 43
Conclusion 46
Appendix 48
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![PREFACE
Wage determination through collective bargaining and
by arbitration decision has been accompanied by a steadily
increasing use of many kinds of economic data. These data
have given rise to an emphasis of certain criteria, especially
in arbitration, for deciding what wages are proper in a par-
ticular case. Because of the universality of use of such data
and the widespread references to the criteria in arbitration
proceedings, it seemed most desirable to examine their char-
acteristics in this series. Such an examination has been made
by Jules Backman in his study of Economic Data Utilized
in Wage Arbitration. He is eminently qualified to make an
analysis of this kind, having served as an expert in this field,
usually on behalf of management, in many proceedings be-
fore arbitrators and fact-finding boards.
It is significant that Professor Backman views the eco-
nomic data and economic criteria as useful but to a limited
extent in arbitration proceedings. They provide "a central
area from which it is difficult for the arbitrator to stray very
far and justify the decision he has reached." He concludes
that the statistical facts do not "enable the arbitrator to reach
a precise figure in every instance." As a matter of fact, there
are many cases in which the range of difference supportable
by reference to "respectable" statistical data is wider than
the actual difference between the union and the manage-
ment party to the wage dispute. An example of such a situa-
tion is referred to by Professor Backman in the section setting
forth his conclusions. He does not fail to appreciate the
necessity of striving toward an arbitration award which "the
parties can live with," and sees that no fetish can be made
of a particular wage criterion or of a set of wage criteria.
Under a collective-bargaining system, there is but one
way—note, one way only—in which the terms of employment
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![can be determined. That is by an agreement between union
and management, even though a work stoppage may be
necessary to bring about a meeting of minds. What it takes
to avoid a strike or to get a work stoppage terminated often
becomes crucial criteria of wage determination. Can it be
said, then, that the various economic data and economic
criteria have no place in the process? Of course not! We
need to understand the nature of these data, as well as their
uses and limitations, to insure that reason will not only assist
the development of sound conclusions but also to make
possible the avoidance of ill-advised work stoppages. Per-
haps these ends would be more fruitfully sought if the eco-
nomic data and the various criteria for wage determination
were looked upon primarily as tools for facilitating agree-
ment-making—for inducing the modifications of extreme
positions at least to the extent necessary to bring about a
meeting of minds. Perhaps the data and criteria under dis-
cussion serve a major purpose in arbitration when they are
used to explain a decision in such a wav as to make it genu-
inely acceptable to both parties. Unless voluntary arbitration
is looked upon bv both parties as producing workable re-
sults, the consequence can be a preference for trial by
combat in fixing the wage terms of labor agreements.
As a matter of cold fact, parties at an impasse in collective
bargaining generally do prefer the strike or lockout method
to arbitration of basic wage terms. In anv event, voluntarv
arbitration of agreement terms is not extensively practiced.
Where such arbitration lias been engaged in, deep dissatis-
factions with the results are not uncommon. In view of these
facts, it is but reasonable to conclude that the arbitration of
the basic wage terms of labor agreements has been of quite
limited usefulness as a means of avoiding work stoppages
in this area. One may also be excused for further concluding
that possible improvements in such arbitration might well
be the subject of concentrated attention by those interested
in industrial relations. In such terms, the report on Economic
Data Utilized in Wage Arbitration by Jules Backman is of
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![notable value. Its careful studv should assist materially in
• J
attaining an improved understanding of the roles played bv
economic data and economic criteria in the arbitration of the
wage terms of labor agreements.
GEORGE W . TAYLOR
Philadelphia
July 1952
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![ECONOMIC DATA UTILIZED IN WAGE
ARBITRATIONS1
*
INTRODUCTION
There are few published economic statistics that have
not been introduced into some wage arbitration. In major
national cases, tremendous quantities of statistics may be
submitted to show many phases of national economic activity
in addition to figures dealing with the industry or companies
involved. In local wage arbitrations, on the other hand, the
presentation of data may be kept to a minimum by both
parties. Company statistics are frequently used to supple-
ment industry-wide or national statistics. Economic data
dealing with local conditions from city or state agencies are
used to supplement national data prepared by agencies of
the federal government.
In addition to all the published and company statistics,
special studies often are made to portray a particular situa-
tion. These studies may range from a national study of
spending habits in a given industry, as was undertaken by
the steelworkers for the 1944 wage case, to studies of local
or company data, as, for example, a study of withholding
tax returns to determine the number of claimed exemptions
of a company's employees.
It must not be thought that the parties will agree upon
"the facts" merely because they are published by an official
agency. An important part of the arbitrator's problem is to
attempt to reconcile conflicting interpretations or applica-
tions of the available statistics. This point may be illustrated
by the conflict concerning the rise in the cost of living, which
was an important factor in many arbitrations during the war
and early postwar years. It is also reflected in the conflict-
ing positions advanced by the parties as to the proper date
• Reference notes at end, page 50.
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![from which to measure changes in the economic variables
introduced. For example, from what date should a rise in
the cost of living be measured? Should it be from the date of
the last contract? Should the arbitrator take into considera-
tion longer term periods, such as the changes since 1939, or
the change since the end of the war? What weight should be
given to prospective changes in the cost of living as reflected
in changing wholesale prices?
Another aspect of this same problem is the determination
of the wage data which may properly be used in such com-
parisons. Should the emphasis be given to basic wage rates,
straight-time earnings, gross hourly earnings, weekly earn-
ings, or annual earnings? What weight should be given to
so-called fringe adjustments? Depending upon the interests
of the parties, one or another of these measurements will be
emphasized. And it should be noted that the parties are not
always consistent from year to year in the wage data they
emphasize. Thus, for example, many employers during the
war years utilized the increase in weekly earnings as evi-
dence that the economic well-being of their workers had
improved despite rising living costs, and hence that wage
increases were not necessarv. At the end of the war, when
hours were cut back, and with them weekly earnings, many
of those who had emphasized weekly earnings shifted to
hourly earnings because a better case could be made on
that basis.
If the data are to be helpful, they must be presented in a
manner which assists the arbitrator to reach his decision. A
piling of fact upon fact creates a record, but not necessarily
a usable record, for the arbitrator. It has been found helpful
in many arbitrations to present the facts so that they point
up certain important factors which may be considered to
have a bearing upon the determination of what is a proper
wage in a particular circumstance. Any or all of six criteria
of wage adjustments may be emphasized:
1. Changes in the cost of living and real wages.
2. Budget studies.
3. Wage comparisons.
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![4. Changes in productivity.
5. Ability to pay.
6. The economic environment.
Data concerning each of these criteria may not be pre-
sented by the parties in every proceeding. In many local
arbitrations, for example, little attention is paid, at least
statistically, to the national economic climate. On the other
hand, in wage cases of national import, as, for example, the
1949 steel wage case, such questions may be given consider-
able attention." In particular proceedings, one or another of
these criteria may be deemed bv the arbitrator to be of out-
standing importance. Thus, during the 1946-48 period, living-
cost changes were given considerable emphasis by arbitrators
in the pattern-making cases, while in other cases the so-called
"national pattern" mav have been of dominant importance.
The data available, and how thev can be and have been
used, will be examined in terms of these criteria. It is within
this framework of reference that the best tools are made
available to the arbitrator. He must understand these tools.
He must do a little homework in economics and statistics,
as well as in human relations and in law.
Before entering into that examination, it should be em-
phasized that a proper wage decision involves much more
than a weighing of statistical facts. In many instances in-
tangible factors, such as the indicated bids or offers by the
parties in private bargaining, or past wage history, or related
matters, will be of considerable importance. The statistical
facts, however, are an important part of the presentation.
They do not enable the arbitrator to reach a precise figure
in every instance. If it were possible to do so, one would
need only a slide rule and not an arbitrator. The statistical
facts are important primarily in providing a central area
from which it is difficult for the arbitrator to stray very far
and to justify the decision he has reached. They provide him
with a series of pegs on which to hang his arbitrator's hat.
Although use of these criteria will not give the precise
answer, they do narrow the area of difference and contribute
to make the arbitration award more acceptable to the parties.
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![It is therefore incumbent upon both parties to present the
appropriate data completely, accurately, and in good faith.
Unless this is done, an almost insuperable burden is placed
upon the arbitrator, and the possibility of an unwise decision
is increased.
The quantity of statistical data is so voluminous that a
mere listing would take up most of the space available for
this study. It is necessary, therefore, to emphasize the more
important statistical data and the sources from which they
can be obtained.3 Similarly, many of the published statistics
are subject to numerous qualifications. Critical analysis of
some of these series would take up more space than is avail-
able in this entire pamphlet. Attention is directed, therefore,
only to those criticisms which seem to be the more important.
In other words, it is necessary to tread a path between a mere
compilation of statistics and exhaustive analyses of their
uses and infirmities. This necessarily means painting a pic-
ture of uses and available statistics in broad outline. Illustra-
tions are drawn from presentations before fact-finding
boards, as well as in arbitration, because the data utilized
are substantially the same in both types of hearings. Because
the trends and levels of wages are important in connection
with most of the criteria, it will be useful to discuss first the
wage data available and then to examine the other data
utilized in connection with each of the criteria.
WAGE DATA
What wage data furnish the appropriate basis for compari-
son? This is an important question. The answer differs,
depending upon the criterion which is being examined. Five
basic types of wage data may be used individually or in
combination:
1. Basic wage rates.
2. Average straight-time hourly earnings.
3. Average gross hourly earnings.
4. Average weekly earnings.
5. Annual earnings.
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![The more comprehensive data are available for average
straight-time hourly earnings, average gross hourly earnings,
and weekly earnings. The data available for basic wage rates
and annual earnings are more fragmentary, and in many
instances are available only on a company basis rather than
on a national or an industrv basis. Most of the available
data apply to production workers rather than to clerical
workers.4
1. Basic wage rates: Basic wage rates represent what may
be called labor's occupational price list. This is the price
listed in the contract for the job. These data are not available
in the usual overall wage compilations published by federal,
state, or private agencies. However, thev are available peri-
odically for some industries. Thus, for example, Editor and
Publisher magazine each year compiles the rates paid to the
various newspaper mechanical trades (e.g., stereotvpers,
tvpographers, mailers, pressmen, photo-engravers, etc.) for
leading cities. The U. S. Bureau of Labor Statistics from
time to time publishes data showing basic wage rates in
particular industries,15 between different communities,6 and
for leading companies.7
An individual company can obtain these data from the
union contract. It can calculate a weighted average of basic
wage rates very simply. The number of workers in each
classification is multiplied by the basic rate in that classifica-
tion. The resulting totals are added together to secure a
grand total which is then divided bv the total number of
workers. Complications arise when the schedule consists of
piece rates rather than hourlv rates. Wage negotiations and
arbitrations usually are concerned with changes in basic
• o
wage rates. However, there are many instances where gen-
eral wage increases are granted and are not fully incor-
porated in the basic starting rates. This has been true, for
example, in the retail trade.
2. Straight-time hourly earnings: Actual straight-time
'hourly earnings often are higher than the contract rate.8
This situation arises for a number of reasons. Thus the con-
tract rate mav be a starting rate, which is accompanied by
rapid progressions. It mav reflect a policy of merit increases
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![or of incentive payments. The adoption of shift differentials
in many industries during the past decade also has contrib-
uted to raising straight-time hourly earnings above basic
wage rates. From time to time the U. S. Bureau of Labor
Statistics publishes studies showing straight-time earnings
for particular jobs in various industries.9
The Bureau of Labor Statistics publishes data for gross
hourly earnings in many industries. However, the Bureau
also has published a formula for eliminating the effect of
overtime premium pay and thus makes it possible to convert
gross hourly earnings to straight-time earnings.10 This
formula is applicable only to production workers who are
paid by the hour. It is not applicable to white-collar workers
receiving a weekly wage because the treatment of pay for
absenteeism is different.
The National War Labor Board during World War II
used straight-time hourly earnings to measure what hap-
pened to wage standards.
The best measuring rod by which to gauge what has happened
in the wartime economy to hourly wage standards is average
straight-time hourly earnings statistically adjusted to discount the
movement of workers into higher paid war industries. These
adjusted straight-time earnings may be said to measure the
changes in average pay for an hour's work received by employees
who have not shifted from the industry in which they were cus-
tomarily employed.11
Similarly, in determining the magnitude of wage increases
to be permitted under the anti-inflation program in 1951,
the Wage Stabilization Board utilized "average straight
time hourly earnings, including prorated night shift
differentials."12
3. Gross hourly earnings: Gross hourly earnings tend to
exceed straight-time earnings because they include payments
for overtime in addition to all other wage payments.13 The
Bureau of Labor Statistics publishes monthly data for 23
manufacturing industry groups, 196 manufacturing indus-
tries and 47 nonmanufacturing industries. This detailed
breakdown is available only since the beginning of 1947.
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![Prior to that year, data were made available for 157 indus-
tries and industry groups. Where long-term comparisons are
made, it is important to make sure that the data used prior
to 1947 are comparable to those since that year.14 In addi-
tion, average hourly earnings data are published for produc-
tion workers by 43 states and for many of the areas in those
states.1"' Detailed data for individual industries also are
available bv states and cities. Thus, for example, New York
State publishes average hourly earnings for 111 manufactur-
ing and 16 nonmanufacturing industries and industry groups
on a state-wide basis. In addition, detailed breakdowns by
industries are reported for New York City, the Albany-Sche-
nectady-Troy area, Buffalo, Rochester, Syracuse, and other
sections of the state.10
The composite figure for all manufacturing industries
sometimes shows different rates of change from the indi-
vidual industry components. This development may occur
because of a change in the relative importance of the num-
ber of workers in different industries. Thus, for example,
from 1939 to April 1949, average hourly earnings as reported
by the Bureau of Labor Statistics rose from $0.633 to $1.376,
or 117.4%. However, part of this rise reflected the fact that a
larger proportion of total employment was found in the
durable-goods industries on the later date. Since the durable-
goods industries have higher average earnings than other
industries, this shift in composition of the labor forcc tended
to raise the national average. If the 1939 distribution of man-
hours were used to derive the weighted average at the be-
ginning and end of the periods cited, the average for all
manufacturing would have risen to $1.346 or 112.6%.17
Sometimes problems may arise as to how to compute hourly
earnings. For example, in railroad wage cases, there has
been a continuous debate between the carriers and brother-
hoods over whether hourly earnings for operating employees
should be computed on the basis of hours worked or of hours
paid for. Since hours paid for are more than the hours
actually worked, higher hourly earnings are shown when
actual hours worked are used as a basis of measurement.18
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![Similarly, as payroll taxes increase, the discrepancy between
reported hourly earnings and what an hour's work actually
costs a company may become of considerable importance.
Here again the railroads furnish a good illustration, since the
payroll tax paid by the employer exceeds 6 per cent of
wages up to $300 a month, and hence becomes an important
factor in wage costs. A similar situation will develop in other
industries as the social security tax rate is increased.
Because the gross hourly earnings data are affected by
overtime, they find less favor in the eyes of arbitrators and
most students of these problems than do basic wage rates and
straight-time earnings. However, in the absence of marked
changes in the number of hours worked and hence in the
amount of overtime, the gross hourly earnings data do pro-
vide a good approximation of trend.
4. Weekly earnings: Weekly earnings data are usually
available from the U. S. Bureau of Labor Statistics and from
the various state departments of labor for the same industries
as the average hourly earnings data cited above. In addition,
separate data are sometimes made available for men and
women. This is true for New York State and New York City.
In the calculation of weekly earnings, problems sometimes
arise because an industry uses part-time workers. In the re-
tail trade, for example, weekly earnings cannot be computed
by taking the total payroll of the affected workers and divid-
ing by the number of workers. Such an average would be
too low for the full-time workers because the average is
pulled down by the relatively low weekly earnings of part-
time workers. Similarly, when a company compiles weekly
earnings for use in arbitration proceedings, it must be careful
to select periods which are not distorted by overtime pay-
ments, holiday pay, etc.
Sometimes data may be presented to show the change in
status of workers who have been continuously employed in
the industry over a period of time. Such data, which are
frequently referred to as identical workers' studies, reflect
the full effect of general wage increases, merit increases,
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![and promotions for those who stayed with a given company.
Usually such data show larger increases than average weekly
earnings as customarily reported.19
Average weekly take-home pay is another concept which
is sometimes introduced. Take-home pay usually refers to
the amount left to the worker after deducting income taxes
and social security taxes.-0 The Bureau of Labor Statistics
publishes such data for workers with no dependents and with
three dependents each month. Since taxes are higher than
they were before World War II, long-term changes in take-
home pay are smaller than the increases in weekly earnings.
On the other hand, because of the early postwar reductions
in taxes, take-home pay in the years 1946 to 1950 showed
larger increases compared with 1945 than did weekly earn-
ings. While such comparisons are of interest, they usually
have been given little weight by arbitrators since higher taxes
are an obligation of all citizens as determined by the Con-
gress, and should not be compensated for by wage increases.
Conversely, tax reductions provide no basis for wage
reductions.
5. Annual earnings: Industry-wide data generally are not
available for actual annual earnings. The U. S. Department
of Commerce does publish data tor eighty-four industries
and industry groups for what are described as "full-time
equivalent" employees. This is not an actual earnings figure,
but rather a computed figure which is derived by dividing
wages and salaries in an industry by the number of full-time
equivalent employees.11
For individual companies, actual average annual earnings
can be computed by dividing the total annual payroll for
the full-time workers affected by the number of those
workers.
6. Non-wage benefits and working conditions: In addition
to the wage data described above, a new consideration has
been added in recent years by the various non-wage benefits
which have been received bv employees. These have become
of considerable magnitude and are growing in importance
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![each year. During 1949 and 1950, the major development
was in the field of pensions and social insurance. But these
non-wage benefits take other forms. Thus, for example, in
the coal industry the following types of adjustments have
been made in addition to the general wage increases:
1. Elimination of lamp and smithing charges.
2. Free tools.
3. Increases in vacation pay.
4. Portal-to-portal pay.
5. Pay for lunch period.
In other industries, they take other forms. However, the
general effect is the same, namely, an increase in unit labor
cost to the employer (unless offset by gains in productivity)
and an improvement in working conditions or a reduction in
the number of hours worked or the shifting of costs formerly
borne by the worker to management. These developments,
while not reflected in the pay check in all instances, do add
to the real income of workers. Thus, for example, when
social insurance programs are introduced, the worker may
find it necessary to spend less of his salary for medical ex-
penses, thus having more money available with which to
buy other goods. This is just as truly an increase in real
income as an increase in his weekly pay check. Data con-
cerning these non-wage benefits can be obtained from vari-
ous sources.22 Such studies have been made by the National
Industrial Conference Board,23 the U. S. Bureau of Labor
Statistics,24 and other agencies.25 Contracts are published
for leading companies by Prentice-Hall, Commerce Clearing
House, and the Bureau of National Affairs. In some indus-
tries, such as the transit and coal industries, comprehensive
studies have been made to determine the cost of these non-
wage benefits. The increasing cost of these types of benefits
is making it increasingly necessary to consider them in
evaluating changes in real earnings of workers.
However, many types of fringe adjustments are not re-
flected in the average hourly-earnings data reported. Table I
shows a useful summary of the different types of fringe bene-
fits and indicates which are included in the published hourly-
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![TABLE I
CHECK LIST OF FRINGE BENEFITS AND OTHER ITEMS IN B L S SERIES OF
PRODUCTION WORKER EARNINGS*
A ^ B = c
Total
Total M a n - Average
Payrolls hours Hourly Earnings1
Item Include Exclude Include Include Exclude
fringe" Benefits Paid for by Employers
Time worked at premium rates:
Overtime
Special shifts (night, holidays, etc.)
Time paid for but not worked:
Vacations taken during pay period reported2
Holidays
Portal-to-portal time
Stand-by time earned and paid regularly each pay period8
. .
Rest periods, lunch periods, etc
Jury, witness and voting time
Sick leave
Guaranteed work week, payments required under
Authorized absence
Employee welfare benefits: (Company contribution only)
fWorkmen's compensation
jOld A g e and Survivors' Insurance
fUnemployment Compensation
fTemporary disability insurance
Pensions
Welfare fund
Group insurance (life, health, accident, hospitalization)....
Profit-sharing payments paid regularly each pay period8
Medical service
Severance pay
Employee discounts
Recreation and clubs
Free meals, fuel and other payments in kind
Bonuses earned and paid regularly each pay period3
Illness or injury (amount paid in excess of legal requirements).
Cafeteria and restaurant (deficit only)
Educational refunds
Military induction pay
Special employee clothing
Safety apparatus, etc
Suggestions, payments for
Administrative cost of employee benefits
Wages Paid by Employers
Straight-time wages for time actually worked
Retroactive pay
¡elected items Paid by Workers*
(Worker contribution only)
fWithhotding tax
fOld A g e and Survivors' Insurance
fUnemployment Compensaiton
fTemporary disability insurance
Employee government savings bond purchases
Union dues
Group insurance (life, hospitalization, etc.)
Pension plans
Special clothing allowance
Damaged work
'"Regarding this check list, the Commissioner of Labor Statistics has commented that it " i s of course true
in an item-by-item c o u n t " that " f e w fringe benefits are included in B I S statistics. B u t , " he continues, " i f the
:ost or importance of the payments were considered, then perhaps it might be demonstrated that, for many
industries, BLS statistics do include a substantial proportion of fringe payments. In view of the fragmentary
data on the costs of fringe payments, it may b s premature to state categorically . . . that 'average hourly
»mings cannot be regarded today as a close approximation to the average cost of employing labor for an
lour.' For many industries, our figures may be sufficiently close to be useful."
t Legally required payments.
1
The items would be treated similarly in the average weekly earnings figures, since they are the product
>
1 average hourly earnings and average weekly hours.
2
I f workers elect to work during vacation period, only actual hours worked by such workers are included;
fash payments for vacations not taken are excluded from payroll total.
3
If paid irregularly, payments are not included in payroll total.
4
Chiefly those usually deducted from worker's pay check by employer, who acts as agent for government,
labor unions, etc.
oThese items are included in terms of production worker's earnings, but are excluded for purposes of
Indicating employer's costs.
Source: Gertrude Deutsch, " F r i n g e Benefits in W a g e Statistics," Business Record, National Industrial
Conference Board, February 1951, p. 54.
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![earnings figures and total payroll figures of the Bureau of
Labor Statistics.1'"
The foregoing survey has indicated the main types of
wage data available. Each of these types of data has its use
and significance. Thus, for example, changes in hourly and
weekly earnings may properly be compared with changes in
living costs. Budget comparisons, on the other hand, have
little meaning when the comparison is made with hourly
earnings. Here the figures of greatest interest are weekly
or annual earnings. Comparisons with changes in produc-
tivity usually require hourly-earnings data because pro-
ductivity data are most often made available in terms of
output per man-hour. Wage comparisons with other industries
may involve hourly, weekly, and/or annual earnings. As will
be noted later, in some types of comparisons, all three must
be used in order to make fruitful comparisons and to reach
proper decisions.
COST OF LIVING AND REAL EARNINGS
Two agencies publish comprehensive indexes showing
changes in consumers' prices—the U. S. Bureau of Labor
Statistics and the National Industrial Conference Board. The
BLS data are used most often. They are available for thirty-
four cities. The national index is a composite of the index
for these cities and is the index used most widely. However,
when a proceeding involves a company located in one of the
cities for which BLS data are available, the local index is
frequently used.
This index portrays the changes in the cost of a relatively
fixed budget of goods and services customarily purchased
by families of wage earners and lower-salaried clerical work-
ers. The consumers' price index does not reflect unusual
changes in the pattern of expenditures, as, for example,
increased food expenditures because the family eats in res-
taurants more frequently. Nor does it reflect the greater costs
of transportation when the family moves from the city to the
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Economic Data Utilized in Wage Arbitration Jules Backman
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- 5. Economic Data Utilizedin Wage Arbitration Jules Backman Digital Instant Download Author(s): Jules Backman ISBN(s): 9781512814057, 1512814059 Edition: Reprint 2016 File Details: PDF, 1.54 MB Year: 2017 Language: english
- 6. ECONOMIC DATA UTILIZED in WAGEARBITRATION JULES BACKMAN Published for the L A B O R R E L A T I O N S C O U N C I L of the WHARTON SCHOOL OF FINANCE AND COMMERCE by the U N I V E R S I T Y OF P E N N S Y L V A N I A PRESS Philadelphia 1 952
- 7. Copyright 1952 UNIVERSITY OF PENNSYLVANIA PRESS Manufactured in the United States of America Jules Backman is Professor of Economics at New York University in the School of Commerce, Accounts, and Finance. He is the author of many books and pam- phlets on wages and prices. He has acted as economic consultant to manv industries, including railroad and steel, in the preparation of economic data used before fact-finding boards and arbitrators. He was associated with the Securities Exchange Commission, OPA, President's Cost of Living Committee, and New York Milkshed Price Committee. His most recent studies were Multi-Employer Bargaining (New York Univer- sity Institute of Labor Relations and Social Security, August 1951), and Economics of Armament Inflation (Rinehart & C o , October 1951).
- 8. C O NT E N T S C H A P T E R P A G E Preface v Introduction 1 Wage Data 4 Cost of Living and Real Earnings 12 Worker's Budgets 16 Wage Comparisons 19 Changes in Productivity 30 Ability to Pay 39 Economic Environment 43 Conclusion 46 Appendix 48 [ i i i ]
- 10. PREFACE Wage determination throughcollective bargaining and by arbitration decision has been accompanied by a steadily increasing use of many kinds of economic data. These data have given rise to an emphasis of certain criteria, especially in arbitration, for deciding what wages are proper in a par- ticular case. Because of the universality of use of such data and the widespread references to the criteria in arbitration proceedings, it seemed most desirable to examine their char- acteristics in this series. Such an examination has been made by Jules Backman in his study of Economic Data Utilized in Wage Arbitration. He is eminently qualified to make an analysis of this kind, having served as an expert in this field, usually on behalf of management, in many proceedings be- fore arbitrators and fact-finding boards. It is significant that Professor Backman views the eco- nomic data and economic criteria as useful but to a limited extent in arbitration proceedings. They provide "a central area from which it is difficult for the arbitrator to stray very far and justify the decision he has reached." He concludes that the statistical facts do not "enable the arbitrator to reach a precise figure in every instance." As a matter of fact, there are many cases in which the range of difference supportable by reference to "respectable" statistical data is wider than the actual difference between the union and the manage- ment party to the wage dispute. An example of such a situa- tion is referred to by Professor Backman in the section setting forth his conclusions. He does not fail to appreciate the necessity of striving toward an arbitration award which "the parties can live with," and sees that no fetish can be made of a particular wage criterion or of a set of wage criteria. Under a collective-bargaining system, there is but one way—note, one way only—in which the terms of employment [ v ]
- 11. can be determined.That is by an agreement between union and management, even though a work stoppage may be necessary to bring about a meeting of minds. What it takes to avoid a strike or to get a work stoppage terminated often becomes crucial criteria of wage determination. Can it be said, then, that the various economic data and economic criteria have no place in the process? Of course not! We need to understand the nature of these data, as well as their uses and limitations, to insure that reason will not only assist the development of sound conclusions but also to make possible the avoidance of ill-advised work stoppages. Per- haps these ends would be more fruitfully sought if the eco- nomic data and the various criteria for wage determination were looked upon primarily as tools for facilitating agree- ment-making—for inducing the modifications of extreme positions at least to the extent necessary to bring about a meeting of minds. Perhaps the data and criteria under dis- cussion serve a major purpose in arbitration when they are used to explain a decision in such a wav as to make it genu- inely acceptable to both parties. Unless voluntary arbitration is looked upon bv both parties as producing workable re- sults, the consequence can be a preference for trial by combat in fixing the wage terms of labor agreements. As a matter of cold fact, parties at an impasse in collective bargaining generally do prefer the strike or lockout method to arbitration of basic wage terms. In anv event, voluntarv arbitration of agreement terms is not extensively practiced. Where such arbitration lias been engaged in, deep dissatis- factions with the results are not uncommon. In view of these facts, it is but reasonable to conclude that the arbitration of the basic wage terms of labor agreements has been of quite limited usefulness as a means of avoiding work stoppages in this area. One may also be excused for further concluding that possible improvements in such arbitration might well be the subject of concentrated attention by those interested in industrial relations. In such terms, the report on Economic Data Utilized in Wage Arbitration by Jules Backman is of [ v i ]
- 12. notable value. Itscareful studv should assist materially in • J attaining an improved understanding of the roles played bv economic data and economic criteria in the arbitration of the wage terms of labor agreements. GEORGE W . TAYLOR Philadelphia July 1952 [ v i i ]
- 14. ECONOMIC DATA UTILIZEDIN WAGE ARBITRATIONS1 * INTRODUCTION There are few published economic statistics that have not been introduced into some wage arbitration. In major national cases, tremendous quantities of statistics may be submitted to show many phases of national economic activity in addition to figures dealing with the industry or companies involved. In local wage arbitrations, on the other hand, the presentation of data may be kept to a minimum by both parties. Company statistics are frequently used to supple- ment industry-wide or national statistics. Economic data dealing with local conditions from city or state agencies are used to supplement national data prepared by agencies of the federal government. In addition to all the published and company statistics, special studies often are made to portray a particular situa- tion. These studies may range from a national study of spending habits in a given industry, as was undertaken by the steelworkers for the 1944 wage case, to studies of local or company data, as, for example, a study of withholding tax returns to determine the number of claimed exemptions of a company's employees. It must not be thought that the parties will agree upon "the facts" merely because they are published by an official agency. An important part of the arbitrator's problem is to attempt to reconcile conflicting interpretations or applica- tions of the available statistics. This point may be illustrated by the conflict concerning the rise in the cost of living, which was an important factor in many arbitrations during the war and early postwar years. It is also reflected in the conflict- ing positions advanced by the parties as to the proper date • Reference notes at end, page 50. [ 1 ]
- 15. from which tomeasure changes in the economic variables introduced. For example, from what date should a rise in the cost of living be measured? Should it be from the date of the last contract? Should the arbitrator take into considera- tion longer term periods, such as the changes since 1939, or the change since the end of the war? What weight should be given to prospective changes in the cost of living as reflected in changing wholesale prices? Another aspect of this same problem is the determination of the wage data which may properly be used in such com- parisons. Should the emphasis be given to basic wage rates, straight-time earnings, gross hourly earnings, weekly earn- ings, or annual earnings? What weight should be given to so-called fringe adjustments? Depending upon the interests of the parties, one or another of these measurements will be emphasized. And it should be noted that the parties are not always consistent from year to year in the wage data they emphasize. Thus, for example, many employers during the war years utilized the increase in weekly earnings as evi- dence that the economic well-being of their workers had improved despite rising living costs, and hence that wage increases were not necessarv. At the end of the war, when hours were cut back, and with them weekly earnings, many of those who had emphasized weekly earnings shifted to hourly earnings because a better case could be made on that basis. If the data are to be helpful, they must be presented in a manner which assists the arbitrator to reach his decision. A piling of fact upon fact creates a record, but not necessarily a usable record, for the arbitrator. It has been found helpful in many arbitrations to present the facts so that they point up certain important factors which may be considered to have a bearing upon the determination of what is a proper wage in a particular circumstance. Any or all of six criteria of wage adjustments may be emphasized: 1. Changes in the cost of living and real wages. 2. Budget studies. 3. Wage comparisons. [ 2 ]
- 16. 4. Changes inproductivity. 5. Ability to pay. 6. The economic environment. Data concerning each of these criteria may not be pre- sented by the parties in every proceeding. In many local arbitrations, for example, little attention is paid, at least statistically, to the national economic climate. On the other hand, in wage cases of national import, as, for example, the 1949 steel wage case, such questions may be given consider- able attention." In particular proceedings, one or another of these criteria may be deemed bv the arbitrator to be of out- standing importance. Thus, during the 1946-48 period, living- cost changes were given considerable emphasis by arbitrators in the pattern-making cases, while in other cases the so-called "national pattern" mav have been of dominant importance. The data available, and how thev can be and have been used, will be examined in terms of these criteria. It is within this framework of reference that the best tools are made available to the arbitrator. He must understand these tools. He must do a little homework in economics and statistics, as well as in human relations and in law. Before entering into that examination, it should be em- phasized that a proper wage decision involves much more than a weighing of statistical facts. In many instances in- tangible factors, such as the indicated bids or offers by the parties in private bargaining, or past wage history, or related matters, will be of considerable importance. The statistical facts, however, are an important part of the presentation. They do not enable the arbitrator to reach a precise figure in every instance. If it were possible to do so, one would need only a slide rule and not an arbitrator. The statistical facts are important primarily in providing a central area from which it is difficult for the arbitrator to stray very far and to justify the decision he has reached. They provide him with a series of pegs on which to hang his arbitrator's hat. Although use of these criteria will not give the precise answer, they do narrow the area of difference and contribute to make the arbitration award more acceptable to the parties. [ 3 ]
- 17. It is thereforeincumbent upon both parties to present the appropriate data completely, accurately, and in good faith. Unless this is done, an almost insuperable burden is placed upon the arbitrator, and the possibility of an unwise decision is increased. The quantity of statistical data is so voluminous that a mere listing would take up most of the space available for this study. It is necessary, therefore, to emphasize the more important statistical data and the sources from which they can be obtained.3 Similarly, many of the published statistics are subject to numerous qualifications. Critical analysis of some of these series would take up more space than is avail- able in this entire pamphlet. Attention is directed, therefore, only to those criticisms which seem to be the more important. In other words, it is necessary to tread a path between a mere compilation of statistics and exhaustive analyses of their uses and infirmities. This necessarily means painting a pic- ture of uses and available statistics in broad outline. Illustra- tions are drawn from presentations before fact-finding boards, as well as in arbitration, because the data utilized are substantially the same in both types of hearings. Because the trends and levels of wages are important in connection with most of the criteria, it will be useful to discuss first the wage data available and then to examine the other data utilized in connection with each of the criteria. WAGE DATA What wage data furnish the appropriate basis for compari- son? This is an important question. The answer differs, depending upon the criterion which is being examined. Five basic types of wage data may be used individually or in combination: 1. Basic wage rates. 2. Average straight-time hourly earnings. 3. Average gross hourly earnings. 4. Average weekly earnings. 5. Annual earnings. [ 4 ]
- 18. The more comprehensivedata are available for average straight-time hourly earnings, average gross hourly earnings, and weekly earnings. The data available for basic wage rates and annual earnings are more fragmentary, and in many instances are available only on a company basis rather than on a national or an industrv basis. Most of the available data apply to production workers rather than to clerical workers.4 1. Basic wage rates: Basic wage rates represent what may be called labor's occupational price list. This is the price listed in the contract for the job. These data are not available in the usual overall wage compilations published by federal, state, or private agencies. However, thev are available peri- odically for some industries. Thus, for example, Editor and Publisher magazine each year compiles the rates paid to the various newspaper mechanical trades (e.g., stereotvpers, tvpographers, mailers, pressmen, photo-engravers, etc.) for leading cities. The U. S. Bureau of Labor Statistics from time to time publishes data showing basic wage rates in particular industries,15 between different communities,6 and for leading companies.7 An individual company can obtain these data from the union contract. It can calculate a weighted average of basic wage rates very simply. The number of workers in each classification is multiplied by the basic rate in that classifica- tion. The resulting totals are added together to secure a grand total which is then divided bv the total number of workers. Complications arise when the schedule consists of piece rates rather than hourlv rates. Wage negotiations and arbitrations usually are concerned with changes in basic • o wage rates. However, there are many instances where gen- eral wage increases are granted and are not fully incor- porated in the basic starting rates. This has been true, for example, in the retail trade. 2. Straight-time hourly earnings: Actual straight-time 'hourly earnings often are higher than the contract rate.8 This situation arises for a number of reasons. Thus the con- tract rate mav be a starting rate, which is accompanied by rapid progressions. It mav reflect a policy of merit increases [ 5 ]
- 19. or of incentivepayments. The adoption of shift differentials in many industries during the past decade also has contrib- uted to raising straight-time hourly earnings above basic wage rates. From time to time the U. S. Bureau of Labor Statistics publishes studies showing straight-time earnings for particular jobs in various industries.9 The Bureau of Labor Statistics publishes data for gross hourly earnings in many industries. However, the Bureau also has published a formula for eliminating the effect of overtime premium pay and thus makes it possible to convert gross hourly earnings to straight-time earnings.10 This formula is applicable only to production workers who are paid by the hour. It is not applicable to white-collar workers receiving a weekly wage because the treatment of pay for absenteeism is different. The National War Labor Board during World War II used straight-time hourly earnings to measure what hap- pened to wage standards. The best measuring rod by which to gauge what has happened in the wartime economy to hourly wage standards is average straight-time hourly earnings statistically adjusted to discount the movement of workers into higher paid war industries. These adjusted straight-time earnings may be said to measure the changes in average pay for an hour's work received by employees who have not shifted from the industry in which they were cus- tomarily employed.11 Similarly, in determining the magnitude of wage increases to be permitted under the anti-inflation program in 1951, the Wage Stabilization Board utilized "average straight time hourly earnings, including prorated night shift differentials."12 3. Gross hourly earnings: Gross hourly earnings tend to exceed straight-time earnings because they include payments for overtime in addition to all other wage payments.13 The Bureau of Labor Statistics publishes monthly data for 23 manufacturing industry groups, 196 manufacturing indus- tries and 47 nonmanufacturing industries. This detailed breakdown is available only since the beginning of 1947. [ 6 ]
- 20. Prior to thatyear, data were made available for 157 indus- tries and industry groups. Where long-term comparisons are made, it is important to make sure that the data used prior to 1947 are comparable to those since that year.14 In addi- tion, average hourly earnings data are published for produc- tion workers by 43 states and for many of the areas in those states.1"' Detailed data for individual industries also are available bv states and cities. Thus, for example, New York State publishes average hourly earnings for 111 manufactur- ing and 16 nonmanufacturing industries and industry groups on a state-wide basis. In addition, detailed breakdowns by industries are reported for New York City, the Albany-Sche- nectady-Troy area, Buffalo, Rochester, Syracuse, and other sections of the state.10 The composite figure for all manufacturing industries sometimes shows different rates of change from the indi- vidual industry components. This development may occur because of a change in the relative importance of the num- ber of workers in different industries. Thus, for example, from 1939 to April 1949, average hourly earnings as reported by the Bureau of Labor Statistics rose from $0.633 to $1.376, or 117.4%. However, part of this rise reflected the fact that a larger proportion of total employment was found in the durable-goods industries on the later date. Since the durable- goods industries have higher average earnings than other industries, this shift in composition of the labor forcc tended to raise the national average. If the 1939 distribution of man- hours were used to derive the weighted average at the be- ginning and end of the periods cited, the average for all manufacturing would have risen to $1.346 or 112.6%.17 Sometimes problems may arise as to how to compute hourly earnings. For example, in railroad wage cases, there has been a continuous debate between the carriers and brother- hoods over whether hourly earnings for operating employees should be computed on the basis of hours worked or of hours paid for. Since hours paid for are more than the hours actually worked, higher hourly earnings are shown when actual hours worked are used as a basis of measurement.18 [ 7 ]
- 21. Similarly, as payrolltaxes increase, the discrepancy between reported hourly earnings and what an hour's work actually costs a company may become of considerable importance. Here again the railroads furnish a good illustration, since the payroll tax paid by the employer exceeds 6 per cent of wages up to $300 a month, and hence becomes an important factor in wage costs. A similar situation will develop in other industries as the social security tax rate is increased. Because the gross hourly earnings data are affected by overtime, they find less favor in the eyes of arbitrators and most students of these problems than do basic wage rates and straight-time earnings. However, in the absence of marked changes in the number of hours worked and hence in the amount of overtime, the gross hourly earnings data do pro- vide a good approximation of trend. 4. Weekly earnings: Weekly earnings data are usually available from the U. S. Bureau of Labor Statistics and from the various state departments of labor for the same industries as the average hourly earnings data cited above. In addition, separate data are sometimes made available for men and women. This is true for New York State and New York City. In the calculation of weekly earnings, problems sometimes arise because an industry uses part-time workers. In the re- tail trade, for example, weekly earnings cannot be computed by taking the total payroll of the affected workers and divid- ing by the number of workers. Such an average would be too low for the full-time workers because the average is pulled down by the relatively low weekly earnings of part- time workers. Similarly, when a company compiles weekly earnings for use in arbitration proceedings, it must be careful to select periods which are not distorted by overtime pay- ments, holiday pay, etc. Sometimes data may be presented to show the change in status of workers who have been continuously employed in the industry over a period of time. Such data, which are frequently referred to as identical workers' studies, reflect the full effect of general wage increases, merit increases, [ 8 ]
- 22. and promotions forthose who stayed with a given company. Usually such data show larger increases than average weekly earnings as customarily reported.19 Average weekly take-home pay is another concept which is sometimes introduced. Take-home pay usually refers to the amount left to the worker after deducting income taxes and social security taxes.-0 The Bureau of Labor Statistics publishes such data for workers with no dependents and with three dependents each month. Since taxes are higher than they were before World War II, long-term changes in take- home pay are smaller than the increases in weekly earnings. On the other hand, because of the early postwar reductions in taxes, take-home pay in the years 1946 to 1950 showed larger increases compared with 1945 than did weekly earn- ings. While such comparisons are of interest, they usually have been given little weight by arbitrators since higher taxes are an obligation of all citizens as determined by the Con- gress, and should not be compensated for by wage increases. Conversely, tax reductions provide no basis for wage reductions. 5. Annual earnings: Industry-wide data generally are not available for actual annual earnings. The U. S. Department of Commerce does publish data tor eighty-four industries and industry groups for what are described as "full-time equivalent" employees. This is not an actual earnings figure, but rather a computed figure which is derived by dividing wages and salaries in an industry by the number of full-time equivalent employees.11 For individual companies, actual average annual earnings can be computed by dividing the total annual payroll for the full-time workers affected by the number of those workers. 6. Non-wage benefits and working conditions: In addition to the wage data described above, a new consideration has been added in recent years by the various non-wage benefits which have been received bv employees. These have become of considerable magnitude and are growing in importance [ 9 ]
- 23. each year. During1949 and 1950, the major development was in the field of pensions and social insurance. But these non-wage benefits take other forms. Thus, for example, in the coal industry the following types of adjustments have been made in addition to the general wage increases: 1. Elimination of lamp and smithing charges. 2. Free tools. 3. Increases in vacation pay. 4. Portal-to-portal pay. 5. Pay for lunch period. In other industries, they take other forms. However, the general effect is the same, namely, an increase in unit labor cost to the employer (unless offset by gains in productivity) and an improvement in working conditions or a reduction in the number of hours worked or the shifting of costs formerly borne by the worker to management. These developments, while not reflected in the pay check in all instances, do add to the real income of workers. Thus, for example, when social insurance programs are introduced, the worker may find it necessary to spend less of his salary for medical ex- penses, thus having more money available with which to buy other goods. This is just as truly an increase in real income as an increase in his weekly pay check. Data con- cerning these non-wage benefits can be obtained from vari- ous sources.22 Such studies have been made by the National Industrial Conference Board,23 the U. S. Bureau of Labor Statistics,24 and other agencies.25 Contracts are published for leading companies by Prentice-Hall, Commerce Clearing House, and the Bureau of National Affairs. In some indus- tries, such as the transit and coal industries, comprehensive studies have been made to determine the cost of these non- wage benefits. The increasing cost of these types of benefits is making it increasingly necessary to consider them in evaluating changes in real earnings of workers. However, many types of fringe adjustments are not re- flected in the average hourly-earnings data reported. Table I shows a useful summary of the different types of fringe bene- fits and indicates which are included in the published hourly- [ 1 0 ]
- 24. TABLE I CHECK LISTOF FRINGE BENEFITS AND OTHER ITEMS IN B L S SERIES OF PRODUCTION WORKER EARNINGS* A ^ B = c Total Total M a n - Average Payrolls hours Hourly Earnings1 Item Include Exclude Include Include Exclude fringe" Benefits Paid for by Employers Time worked at premium rates: Overtime Special shifts (night, holidays, etc.) Time paid for but not worked: Vacations taken during pay period reported2 Holidays Portal-to-portal time Stand-by time earned and paid regularly each pay period8 . . Rest periods, lunch periods, etc Jury, witness and voting time Sick leave Guaranteed work week, payments required under Authorized absence Employee welfare benefits: (Company contribution only) fWorkmen's compensation jOld A g e and Survivors' Insurance fUnemployment Compensation fTemporary disability insurance Pensions Welfare fund Group insurance (life, health, accident, hospitalization).... Profit-sharing payments paid regularly each pay period8 Medical service Severance pay Employee discounts Recreation and clubs Free meals, fuel and other payments in kind Bonuses earned and paid regularly each pay period3 Illness or injury (amount paid in excess of legal requirements). Cafeteria and restaurant (deficit only) Educational refunds Military induction pay Special employee clothing Safety apparatus, etc Suggestions, payments for Administrative cost of employee benefits Wages Paid by Employers Straight-time wages for time actually worked Retroactive pay ¡elected items Paid by Workers* (Worker contribution only) fWithhotding tax fOld A g e and Survivors' Insurance fUnemployment Compensaiton fTemporary disability insurance Employee government savings bond purchases Union dues Group insurance (life, hospitalization, etc.) Pension plans Special clothing allowance Damaged work '"Regarding this check list, the Commissioner of Labor Statistics has commented that it " i s of course true in an item-by-item c o u n t " that " f e w fringe benefits are included in B I S statistics. B u t , " he continues, " i f the :ost or importance of the payments were considered, then perhaps it might be demonstrated that, for many industries, BLS statistics do include a substantial proportion of fringe payments. In view of the fragmentary data on the costs of fringe payments, it may b s premature to state categorically . . . that 'average hourly »mings cannot be regarded today as a close approximation to the average cost of employing labor for an lour.' For many industries, our figures may be sufficiently close to be useful." t Legally required payments. 1 The items would be treated similarly in the average weekly earnings figures, since they are the product > 1 average hourly earnings and average weekly hours. 2 I f workers elect to work during vacation period, only actual hours worked by such workers are included; fash payments for vacations not taken are excluded from payroll total. 3 If paid irregularly, payments are not included in payroll total. 4 Chiefly those usually deducted from worker's pay check by employer, who acts as agent for government, labor unions, etc. oThese items are included in terms of production worker's earnings, but are excluded for purposes of Indicating employer's costs. Source: Gertrude Deutsch, " F r i n g e Benefits in W a g e Statistics," Business Record, National Industrial Conference Board, February 1951, p. 54. [11]
- 25. earnings figures andtotal payroll figures of the Bureau of Labor Statistics.1'" The foregoing survey has indicated the main types of wage data available. Each of these types of data has its use and significance. Thus, for example, changes in hourly and weekly earnings may properly be compared with changes in living costs. Budget comparisons, on the other hand, have little meaning when the comparison is made with hourly earnings. Here the figures of greatest interest are weekly or annual earnings. Comparisons with changes in produc- tivity usually require hourly-earnings data because pro- ductivity data are most often made available in terms of output per man-hour. Wage comparisons with other industries may involve hourly, weekly, and/or annual earnings. As will be noted later, in some types of comparisons, all three must be used in order to make fruitful comparisons and to reach proper decisions. COST OF LIVING AND REAL EARNINGS Two agencies publish comprehensive indexes showing changes in consumers' prices—the U. S. Bureau of Labor Statistics and the National Industrial Conference Board. The BLS data are used most often. They are available for thirty- four cities. The national index is a composite of the index for these cities and is the index used most widely. However, when a proceeding involves a company located in one of the cities for which BLS data are available, the local index is frequently used. This index portrays the changes in the cost of a relatively fixed budget of goods and services customarily purchased by families of wage earners and lower-salaried clerical work- ers. The consumers' price index does not reflect unusual changes in the pattern of expenditures, as, for example, increased food expenditures because the family eats in res- taurants more frequently. Nor does it reflect the greater costs of transportation when the family moves from the city to the [ 1 2 ]
- 26. Another Random ScribdDocument with Unrelated Content
- 27. Frank E &Honora J h3962 Carrollton Av ' Frank H & Georgia; phys 5506 E 16th St Suite 14-15 r6025 E 65th PI ' Frank H Jr phys 5606 E 16th St Suite 14-15 r44 Wellington Rd ' Frankie L Mrs component opr RCA h3446 N Sherman Dr ' Fred & Irma M; retd h2002 N Bosart Av ' Fred retd h501 N East St Apt 826 ' Fred & Marilyn A; mail elk Merchants Natl Bk & Tr hl911 Wallace St ' Fred U & Betty L; retd hl629 N Emerson Av ' Fredk & Marilyn A; mail elk Merchants Bk h 10468 E 37th St ' Fredk C h 10339 Wingate Blvd Fredk L & Pearlie M; supvr mail rm Hsg Auth h2754 Schofield Av ' Fremont P & Christine M; retd hl908 N Emerson Av ' G J h712 N Luett Av ' Garrick A & Tonya A; carpet instlr hll26 Jefferson Av ' Gary emp Pike HI Sch h622 Lexington Av Apt 3 ' Gary E & Ramona F; studt hi 039 N Somerset Av ' Gary L h3515 E 39th St Apt 301 ' Gary L & Ruthann; acct Inland Container hl815 Leland St ' Gary R & Vicki J; pub relations wkr B C-B S h6715 Roxbury Ct Gary R & Lynn; slsmn Sunrise Corp h5860 Village Plaza (N Dr) MILLER " Gary W pres Baldwin & Lyons Inc " Geann Mrs retd h710 E Laverock Rd Apt 6 " Gene M & Teresa L h416 S Catherwood Av " Geneva h3630 N Meridian St Apt 10 " Geneva C Mrs retd h3105 N Park Av " Geo & Gayle h4435 Mission Dr Apt 70 " Geo A & Edith R; retd hl414 E 10th St " Geo A & Ann L; foreman Indpls Mtr Speedway h2920 Dietz St " Georgia B asst dean Ind Univ Sch Of Business " Georgianna E Mrs credit mgr Ind Assn Credit Mgmt h2616 E North St " Gertrude retd hl752 Brookside Av " Gladys J Mrs fcty wkr Phillips Industries h3 Woodland Dr " Gladys W retd h2802 N Hawthorne La " Glena R retd hi 939 N La Salle St " Glenn retd r2115 Central Av " Goldie M Mrs retd h3135 N Kenwood Av " Grace B Mrs retd h5108 W 30th St " Greg & Veronica; emp Carter Lee Lbr h5322 Crittenden Av " Greg A & Kath L; phys h4340 Central Av " Greg R h3025 N Meridian St Apt 602 " Gus A & Evelyn M; retd h5924 Beechwood Av " Hal D slsmn Southside Dodge r408 N Oakland Av " Harold dir aircraft mtce Combs- Gates Indpls Inc rPlainfield IN " Harold D treas Anderson Cemetery r757 Middle Dr " Harold D & Anna H; repr Nestle Co hl401 E Sumner Av " Harold D & Use S; retd h4825 Wash Blvd " Harold E & Sandra K; formntrackmn Con Rail hl913 E Perry St " Harold J & Vivian J; acct State Dept Of Mental Health hl917 E Hanna Av "
- 28. Harold J &Lucille; retd h2714 Sangster Av " Harry D & Judy A; mach opr ODEN h3336 Robson St " Harry E emp City Of Indpls hl849 N Kessler Blvd " Harry F & Rita I; custdn Wheeler Sch 4 h3525 Lynhurst Dr " Harry H retd h5917 E 12th St Apt B2 " Harry M pres Hoosier Carpet Inc r3215 W 48th St " Harvey C & Linda L hl6 W Southern Av " Hayes & Frankie L; mech h3446 N Sherman Dr " Hazel A retd h4817 Rowney Av " Helen Mrs retd h25 E 40th St Apt 4k " Helen A mgr Industrial Catering h5862 Greenfield Av " Helen D Mrs h5302 Central Av " Helen I Mrs retd h951 S West St " Helen L Mrs h.4117 Byram Av " Henry h6353 N Park Av " Henry E & Bessie R; retd hl218 W 30th St " Henry L retd h534 Trowbridge St MILLER HERB & ASSOCIATES, INC Herb Miller President, Insurance Investigation, PO Box 40566 (46240) Tel 848-1186 " Herb T h4484 Mission Dr Apt 118 " Herbert h4560 Pine Hollow Ct Apt 171 " Herbert C & Thelma; retd h2161 White Av " Herman M retd h420 N Gray St " Hobert D roofer hll33 N Grant Av " Howard studt r3720 Dr Martin L King Jr Dr " Howard A & Esther R; retd h5153 E 16th St " Howard L lawn care rl751 E Kelly St " Howard M retd h4143 N Kitley St " I Wayne & E Bernice; retd hl322 N Linwood Av " Ida M Mrs retd h3914 Graceland Av " Ida Mae Good Mrs hist librn Plainfield Public Libry r525 E Main St (PLFD) " Imogene Mrs retd h3432 Ellen Dr " India M h3539 N Penn St Apt C " Inez R retd h939 Miley Av " Irene E Mrs retd h5707 Brockton Dr Apt 116 " Irene M Mrs retd r3302 W 21st St " Isaac A & Janice L; fcty wkr Tube Proc h973 Elm St " Issac & Virgie r5948 W 38th St " Iva J h848 Shelby St " J retd h3554 Shelby St Apt 207 " J A h459 S Kenmore Rd " J Bruce & Jana; emp 4 Tops h333 N Arlington Av " J D (The Golden Ram) MILLER " J D & Linda M; acct exec I O O D h5202 Wash Blvd " J Peter & Lisa C; lwyr Mc Hale Cook & Welch P C h4334 N Penn St "JR h600 N Alabama St Apt 1100 " J Robt & Carol M; cabt mkr Rabb & Howe h861 E Pleasant Rn Pkwy (S Dr) " J S hl825 W Morris St " Jack & Dorothy M h442 N Drexel Av " Jack h545 S Drexel Av " Jack & Ruth; retd h8439 Montery Rd " Jack h5402 N Tara Ct Apt E " Jack B & Sandra; emp C F S Continental h2600 E Northgate St " Jack C exec v-pres Miller & Sons Masonry Inc " Jack D & Lisa D; constn wkr Miller & Sons Constn h323 W Southern Av " Jack E & Gloria J; sign painter Jack
- 29. Miller Signs h3034Newton Av " Jack F retd h4852 Carrollton Av " Jack G & Barbara G; retd h5725 Oak Av " Jack M studt r5674 Wash Blvd " Jackie h5824 E Wash St Apt 16 " Jacqueline studt r8439 Montery Rd " Jacqueline R elk IN Bell rl430 Edwards Av " Jas busn mgr Prentice Presby Ch " Jas C mgr Gringo's Taco House rl950 N Bolton Av " Jas E & Nicki E; trans Star & News h738 N Emerson Av " Jas R & Sheri L h7913 E 34th St " James produce dept hd Kroger Sav- On " James h6228 Commodore Dr " James (Miller's Appl) " James & Carolyn J; retd h4114 Red Bird Dr " James A & Eliz; retd h7901 E 35th St " James A & Margt J; mech Met Dist Perry Twp h406 N Oxford St " James B trie drvr rl908 N Emerson Av " James E & Emily (Miller's Used Appliances) h3601 N College Av " James E pub relations Blue Cross h6151 N College Av " James F (Miller's Used Auto Parts) rClermont " James H & Zellie R; drvr Recreonics Corp h6307 E 14th St " James H Jr studt r2141 Sugar Grove Av " James L lwyr 5 E Market St Rm 1318 " James L & Carol Sue; eng W T T V rRt 3 Bx 152 Shelbyville " James M & Eileen M; buyer Danners Inc h5674 Wash Blvd " James N & Anna M; pres Family Service Association h6132 Central Av " James R drvr Marvins Flowers Gardens h533 N Oxford St " James R cemetery wkr Crown Hill Cemetery r27 N Pershing Av " James R & Maria S; retd h2912 E Raymond St " James S retd hl2 N Temple Av " Jane M cln Edison Bldg Mtce h5450 E 44th St " Janet A Mrs retd h5210 N Illinois St " Janice D hl524 E 49th St " Janis A custdn Indpls PS h960 N Somerset Av " Janis A Mrs emp Framemarkers Inc h5648 Indianola Av " Jay K mgr aftermarket sis Schwitzer h5809 N Meridian St " Jay N freelance mus h3801 N Meridian St Apt 207 " Jean C phys h5808 Central Av " Jeanne K h521 E Morris St Apt 2 " Jeff rl803 N Somerset Av " Jeff A & Terese M h2016 Olive St " Jeffrey h5554 W 43d St " Jennette h2715 N Sherman Dr " Jennie L Mrs retd h347 S Gale St " Jerald L (Boberschmidt Miller O Bryan & Turner) " Jerleen comp opr Lane Bryant h4125 N Grand Av " Jerry v-pres Brightwood Bakery Inc r3556 Beach Blvd " Jerry mtcemn Hoosier Dome h5610 W 38th St Apt 9 " Jerry A phys 3266 N Meridian St Rm 409 rlll07 St Andrews La " Jerry E h25 Jenny La " Jerry G & Mary K; screen prntr Auto House On Westfield hi 739 Wade St " Jerry R & Margt F; retd h725 E 71st
- 30. St " JerryW & Sue C; emp C & R Racing Inc hl803 N Somerset Av " Jerry W Jr rl803 N Somerset Av " Jessie J Mrs mach opr Westvaco h341 S Sheridan Av " Jim & Audrey h3253 W 34th St " Jim exec dir Indiana Juvenile Justice Task Force MILLER " Jim L (Liquor Barn) rGreenwood " Jo Mrs mach opr Diamond Chain h744 5 Addison St " Jo Ann Mrs hsekpr Indianapolis Mtr 8 Motel h4026 Elizabeth St " Jo M (Aardvark Records) " Joann h2432 N Webster Av " Joanne Mrs mgr Perrys h458 N Goodlet Av Joanne M Mrs hsekpg Mark Adam Hotel hl337 S Pershing Av " Joe & Dawn M; controller Grueninger Tours & Cruises hl0416 Governours La Apt A " Joe h3462 N Illinois St Apt 3 " Joe M & Peggy S; brklyr J & M Constn Co hl041 E Southern Av " Joe W & Alice J; retd h2344 E Gimber St " Johana M Mrs retd h5630 N Penn St John A & Margt M; slsmn Dellen Olds hl536 N Butler Av John A Jr & Delores M; dept chf Center Township (Business Assessments) h2618 S Capitol Av " John B & Kathryn M (J B Miller Co) h5716 Lowell Av " John C forklift opr Brylane rl025 E Tabor St " John D & Sharon K h522 E 48th St " John D buyer Blocks h4210 Broadway St " John D h4110 Mellis Dr " John E & Vivian M; retd hi 106 N Drexel Av " John E rl818 N Irvington Av " John G retd hi 146 E Gimber St " John H & Sandra K; constn wkr A A A Co hl937 N La Salle St " John J pasteup mn JANA rl242 Bridge St " John J cook r2920 Dietz St " John L h2703 Adams St John M & Jean; emp Unmarc Hmes h3501 Lynhurst Dr " John P studt rl950 N Bolton Av " John R & Sandra L; prod tech Gene 6 Cor h928 E 54th St " John R retd h6328 Broadway St " John R retd h5684 Norwaldo Av " John W & Nancy C; retd h2006 N Bancroft St " John W hl021 Groff Av " Johnnie M Mrs mtce wkr IUPU h942 Miley Av " Johnny hl921 N Kessler Blvd " Jonathan E & Mary F; ins actuary h4140 Biscayne Rd " Jos E & Molly J; mgr Aunt Polly's hl818 Bradbury Av " Jos G Jr & Carolyn M; acct c p a O'Conner Miller & Co h5353 N Delaware St " Joseph pres Great Lakes Products Inc " Joseph III & Bonnie; mtr repr Brehob Elec Equip h235 Leeds Av " Joseph L & Violet N; mach Dresser Indus h854 N Oakland Av " Joseph M & Kristen M; emp IN Bell h6042 Kingsley Dr " Josephine Mrs retd h3015 N Meridian St Apt 306 " Joyce V meat wrapper 7-11 Stores h3856 Breen Dr " Judith retd h555 Mass Av " Judith L Mrs loan serv R R Fed S & L Assn r2925
- 31. Shakespeare Dr "Judson G & Carol F; conductor Conrail hi 101 N DE Quincy St " Judy A Mrs wtress Red Lobster Restr h3336 Robson St " Julanne admn asst City Dept Of Pub Wks h3820 E Pleasant Rn Pkwy (N Dr) " Julie leasing agt Sutton PI Co-Op r4329 Stouffer La " Julie h3818 Central Av Apt 19 " Julie A cash Toys-R-US h4276 Ancona Ct " K h878 Blake St Apt F " K D (K D M Research Assocs) " K Ethylle Mrs retd h736 Woodruff PI & Kappes Community Center Mrs Charlotte Williams Dir 1855 Miller St " Karen A acctg elk Dept Of Pub Welfare hi 644 Union St " Karen L h3119 Orchard Ter " Karen M elk aide West Newton Elem Sch h2665 Burton Av " Karen S data entry Natl Retail Hdw Assn r7810 Maureen Ter " Karl studt r5630 N Penn St " Karl E & Darlene K; appliance tech hi 622 S Talbott St " Kary & Bernice; retd h3702 N Tacoma Av " Katherine L Mrs retd r249 Detroit St " Kath L Mrs retd h3830 Guilford Av " Kathleen emp Kidney Foundation r5729 Crittenden Av " Kathleen A Mrs tchr Indpls P S h752 Leland St " Kathryn Mrs supvr Media Services CD m O 0 i 3 t 35 (0 ^ R $*■**# 01 0) (0 m 21 o 1 0 m 2 ,a Ul o o VI £ o o to 3 CO I-+ 3* (O to CD H K. > T 8 J3 «a S ET 5T a S O B p>^ -3 - ^a n> i 5? s" 1 Q s l a MS a -§ K H s? £ m m f .m* CD CO m — » ZT vj CO *— ' " to 00 3•>l N> O) ■fi 4* o> CO ■t N| ^^ 10 CI CO X ■ o CO co >§ <0 Oh to go o £co 39 Si -* O So A > ?o go [A REP PERTIE URHO 878-7: TLIN 376, C/>o og -n CO r ESSE INDI Q 2i ■g >o *■* ^ ro m 01 ■*j Ol *j <0 09
- 32. Cv. & CCARTAGE, INC. 5744 W. 71st ST. TEL. (317) 291- 4591 is VtfBtfWE s^los h HOUSEHOLDER 424 MILLER ' Kathryn A retd rl664 Hoefgen St ' Kathryn M Mrs admn Indpls P S h6716 Lowell Av ' Kathy A CPA Naval Avionics r3830 Guilford Av ' Kaye h4360 Madison Av Apt 208 ' Kaye h3820 E Mich St ' Keely ofc sec Dept Of Trans h901 N Grant Av ' Keith & Ann; emp State Of IN h3206 Medford Av ' Keith studt r2829 E Riverside Dr ' Keith E & Annette L; mgr Instant Copy Of IN h3438 Woodfront Dr ' Kelly L sr elk IN Natl Bk r625 E 11th St ' Kenneth D studt r556 W 12th St • Kenneth D & Virble E; lab Columbia Fish & Oyster h311 N Temple Av ' Kenneth D Jr & Carole D; emp Manpower h824 Jefferson Av ' Kenneth J admn State Rev Dept (Audit Div) ' Kenneth L & Lorine; genl mgr S C M Dispensit r7356 N Meridian ' Kenneth L & Cath L; retd h27 N Pershing Av ' Kennith L admn State Rev Dept ' Kent IV USA rl0120 E 33d St ' Kent III & Beverly W; USA hl0120 E 33d St ' Kent D studt r556 W 12th St ' Kim aide Indpls P S r4455 Carrollton Av ' Kimberly hl538 S Meridian St ' Kirk h302W N Park Av ' Kirt kitchen hlpr Ind Univ M C h207 W 33d St ' Kiski E Mrs pres Access Co h4810 Central Av ' Kristen K Mrs ofc mgr Med Info Sys lnc ' Kristine M studt r6025 N Meridian St ' Kurt studt r5630 N Penn St ' L A studt h31 W Northview Dr ' L K hi 229 Wallace St ' L M h3254 Lupine Dr ' L Steven tax partner Ernst & Whinney h5235 Wash Blvd ' La Velle Mrs retd r405 N Bosart Av ' Larry h3624 Bunker Hill Dr Apt E ' Larry & Jessica; retd h2358 Columbia Av ' Larry D & Mario H; retd h.455 N Centennial St ' Larry E h3356 Middlefield Ct Apt D ' Larry E & Patricia A; mech Tire Center lnc h49 E Regent St ' Larry E rll53 Villa Av 1 Larry E & Ethel M; drvr Metro Bus h4336 Vinewood Av Larry H asst dir Cnty Welfare Dept (Admn Ofc) ' Larry L & Judith L; retd h409 N Tacoma Av Laura M Mrs nurse Riley Hosp h5428 Broadway St Lavonne M retd rl554 Hoefgen St Lawr D h3536 Woodfront Ct Lawrence & Judy A; skiller Krogers h3839 N Butler Av Lawrence & Cathleen; retd h2843 Mac Pherson Av Lawrence L r4706 Young Av Laymon L & Bertha W; retd h5230 E Wash St Apt 39 Le Roy & Rosalind A (Le Roy's Janitorial Serv) h4455 Carrollton Av Le Roy Jr studt r4465 Carrollton Av Le Roy P & Vivian E; retd h622 N Chester
- 33. Av Lee &Diann h420 E 38th St Apt 1 Lee elk Allisons h651 E 44th St Lee retd r3420 N Emerson Av Lee bkpr Wood Tuohy Gleason Mercer & Herrin Lee A & Earline L; retd h3611 N Capitol Av Lee 0 & Lartharee; retd h3309 Nicholas St Lee R & Sylvia; retd h3706 W 10th St Legrove emp Walters & Co r6639 Cricklewood Rd Lemuel H retd h915 E 22d St Lena C Mrs retd h3749 Kercheval Dr Lenoris & Dorothy J (Contractors Serv Co) hl828 E 35th St Leo J & Betty L (Miller's Regal Market) r316 Beechwood La Leon constn wkr Thompson Constn r2376 Adams St Leona Mrs retd r402 Congress Av Leonard C retd h2358 Beckwith Dr Apt A ROLLER " Leroy & Betty; retd h6126 Alpine Av " Leroy retd r3420 N Emerson Av " Leroy graphic artist hl526 Fay St " Leroy emp Independent Data Co hi 132 Udell St " Les C hl019 Bradbury Av " Lillie h3777 N Meridian St Apt 405 " Lillie B h3055 N Keystone Av " Lillie M Mrs retd hl438 E Raymond St " Linda h8037 E 35th PI " Linda h3777 N Meridian St Apt 701 " Linda h5801 N Olney St Apt 44 " Linda managing editor Ind Admn Code & Register " Linda R ofc sec State Of IN h2110 S Garfield Dr " Linda R r5866 Lowell Av " Lindel & Mary H hl751 E Kelly St " Lisa emp IN Bell r5048 Emerton PI " Lisa D waitress Lynhurst Bowl r401 N Tibbs Av " Llucille h3231 N Keystone Av " Lois Mrs drvr Wayne Twp hl331 Commerce Av " Lois V Mrs retd h2342 E Raymond St " Lorenzo Jr r4705 Ribble Rd " Loretha atndt Park & Lock Parking Lot " Loretta F Mrs realtor Ludlow Realtors h5821 Hillside Av " Lorrie L nurse IN Univ M C r3459 Woodfront Dr " Louise A retd h4540 Marcy La Apt 7 " Lovey h2623 Stuart St " Lucille A Mrs retd h2440 N Oxford St " Luie A h3922 Trilbey Dr Apt C " Lynn r2808 N Emerson Av " Lynn A ofc sec Aircraft Contours "MJ admn asst Ind Univ M C h2026 N Rochester Av "MR h9961 Ellis Dr " M V h4136 Edgemere Ct Apt D2 " Mada M elk Ft Harrison r2376 Adams St " Magdalene Mrs retd hl404 Silver Av " Maggie L Mrs emp N B Mortgage Corp h3720 Dr Martin L King Jr Dr " Magnolia h5342 E 21st St Apt 6 " Marcia L Mrs tchr Pike Twp Schs h5926 E Pleasant Rn Pkwy (N Dr) " Margt A Mrs nurse Americana Midtown Health Care Facility h3302 W 21st St " Margt E Mrs (Irvington Floral Boutique) h.308 N Ritter Av " Margt J tchr Indpls P S hl415 Shannon Av " Margt M cook Hawthorne Neighborhood Center r3316 E Vermont " Margt M Mrs emp Browning
- 34. Invest hl536 NButler Av " Margt M Mrs retd h218 Hancock Av " Margt T retd hl430 Edwards Av " Marian B Mrs retd h5245 N Kenwood Av " Marie Mrs retd h4125 N College Av " Marie E Mrs ofc sec United Cerebral Palsy Of Central IN h4410 Patricia St " Marilyn A Mrs lndry atndt Merry's Miller Nursing Home hl911 Wallace St " Marilyn Sue emp Crossroads r3432 Allison Av " Marjorie A Mrs tchr Indpls P S h4209 S State Av " Mark mgr Wake Up Oil Co " Mark & Debbie; constn wkr hl607 E Mich St " Mark & Kathryn; iron wkr Allied Stl h781 Woodruff PI " Mark A & Cathy J; mach opr h5814 Greenfield Av " Mark D & Joanne M; yd formn Michigan Auto Parts hl337 S Pershing Av " Mark J & Theresa A; mgr World Of Music h4514 Wixshire Ct " Mark M & Mary L; rental consultant Markey's Audio Visual h5730 N Oxford St " Marsha L h2415 Brookside Av " Marsha L elk Noble Adult Cntr hl222 N Grant Av " Martha r3432 Allison Av " Martin dir State Bur Of Mtr Vehs (Safety Div) " Marvin retd h410 N Meridian St Apt N717 " Mary retd hl34 W 21st St Apt 211 " Mary wtress Peppy II Restr hl640W Hoyt Av " Mary h5044c Kebil Ct " Mary h402 N Meridian St Apt 510 MILLER Mary retd h4509 E Wash St Apt 2 Mary A retd h444 N Berwick Av Mary A Mrs h25 W Laverock Rd Mary A Mrs waitress Cambridge Inn h744 Sparrow Av Mary C retd h5539 Carrollton Av Mary C Mrs retd h2544 Aurie Dr Mary D h2316 Hillside Av Mary D Rev pastor Mem Bapt Ch Mary E rec elk Target Stores rl816 Union St Mary E Mrs h6475 Riverview Dr Mary Ellen Mrs ofc sec Thurston Miller Burke h5779 N Penn St Mary H v-pres-tr ofcr Indiana Natl Bk h6434 E 52d St Mary J Mrs (C & M Research) r2825 Meredith Av Mary M retd h5421 E 19th St Mary R admn Meth Prof Cntr Mary S cash Hooks Drug Store r4901 N Tuxedo Mat J (Pro Mech Htg & Air Codtg) Mathew M mech rl816 Union St Mathews Jr r3625 N Bancroft St Matthew h3625 N Bancroft St Maurice studt r3240 N Park Av Max & Jo; constn wkr Am Utility h744 S Addison St Max B v- pres Production Tools Of Indpls h3201 N Meridian St Apt 1 May M Mrs asst to pres Marbaugh Eng Sup hi 505 N Bosart Av Melissa J hsekpr Crestview r963 Tecumseh St Melvin E retd h48 N Temple Av Mercury h2117 Bellefontaine St Merle H Jr slsmn Raffensperger Hughes & Co Michl & Janet; emp Tipon Refgr h3620 Kercheval Dr Michl & Beth; emp IN Bell h8038 Roy Rd Michl D lot atndt Tom Wood
- 35. Toyota r406 NOxford St Michl D & Donna E hl338 Sharon Av Michl J h4717 E 19th St Michl L & Vickie L h3249 Lupine Dr Michl L & Margt; carp L & M Constn hl440 Woodlawn Av Michl R conslt Kodiak Bus Forms hl831 E 61st St Michl S (Mendelson Kennedy Miller Muller & Hall) Michl S & Kristan; planner I D S Financial Servs rll635 Capistrano Dr Michl W bartender Tomorrow's h2411 Coyner Av Michele R h730 W 10th St Apt B3 Michelle elk Lindners r3245 Graceland Av Michelle field exam State Bd Of Accts rChesterton IN Michelle J Mrs h4225 N Wittfield St Mike pres Wm R Maish Co lnc Mildred retd h555 Mass Av Mildred A Mrs retd h2441 N Centennial St Mildred E Mrs claims proc Blue Cross Blue Shield h5651 E 40th St Mildred L Mrs retd h5754 Primrose Av Minnie E Mrs retd h245 N Oxford St Mitchell h3847 Hoyt Av Mitz A retd h47 N Holmes Av Mora R hl801 N Belleview PI Morris D & Viola J; real est broker State h9409 E 36th PI Mozella A retd h2306 Sheldon St Nancy h2211 E 52d St Apt 17 Nancy v-pres Hoosier Carpet lnc r3215 W 48th St Nancy sec-treas Miller & Sons Masonry lnc Nannie retd h601 W St Clair St Rm 372 Naomi K Mrs retd hl24 W Hampton Dr Nathan L & Joan; pres Perk Industries r9114 Grenell Nell A Mrs retd h729 Wallace St Nettie M mgr Winners Edge r717 N Chester Av Norean A retd r2311 Villa Av Norma retd h2447 Beckwith Dr Apt A Norma B retd rl552 Lexington Av Norma G Mrs retd h3036 Falcon Dr Norma I retd h2013 N Bosart Av Norma J retd h2236 W Mich St Ocie V mach opr G M Truck & Bus h556 W 12th St Orval P & Leona M; retd hi 10 Neal Av Osa retd r6035 W 32d PI MILLER "PA hl745 N Ritter Av Apt B3 " Page hi 121 Fall Creek Pkwy (E Dr) " Pam A Mrs h36 S Ritter Av " Pamela K accts payable Shamrock Plastics h919 N Gray St " Pamela K hll07V4 S Reisner St " Pat A cook Hlth Care Cntr h6109 Nelson Ct " Patia A dental asst rl473 N Emerson Av " Patricia A h913 E Pleasant Rn Pkwy (SDr) " Patricia A nurse asst Fountain View Nursing Home h330 N Tacoma Av " Patricia A Mrs decoder Central Sup h8338 E 34th PI " Patricia A Mrs cash Preston Safeway hl635 Woodlawn Av " Patty Mrs emp Indpls Credit Union h532 S Arlington Av " Patty O clng lady Best Way Bldg hi 130 Knox St " Paul E & Goldie M; emp G M Trk & Bus h8026 E 35th PI " Paul F & Laura E; realtor Century 21 Lorene Ward h421 W Gimber St " Paul I Jr emp Thompson Consumer
- 36. Electronic Corp hl950N Bolton Av " Paul I Public School One- Fourteen Margt Higgs Prin 2251 Sloan Av " Paul R & Betty Jo; emp B D P Co h5843 Suburban Dr " Paula h5744 W 44th St " Pauline emp Mech Laundry h3052 W Mich St " Pauline Mrs retd h3147 Brouse Av Apt A " Peggy emp Ft Benj Harrison h3960 Baker Dr " Peggy h2240 Ransdell St Apt 21 " Penny Mrs sis rep American Greeting h4236 Dubarry Rd " Penny Mrs ofc wkr IN Dental Sch Clinic h5128 E Wash St Apt 1 " Percy H hl502 Burdsal Pkwy " Pete & Donna hl478 S DE Quincy St " Peter D lwyr 6100 N Keystone Av Ste 645 " Peter S agt Northwestern Mut h5454 N Illinois St " Phil studt r4455 Carrollton Av " Philip D retd rl217 N New Jersey St " Philip M pres Miller & Sons Masonry lnc " Phillip E prsmn Zimmer Paper Products r2720 S Taft " Phillip M & Cindy S; musician h7001 Broadway St " Phillip T & Mary L; lot man Sam & Edw Wolf lnc h41 N Hamilton Av Apt 4 " Phyllis hi 146 S Capitol Av " Phyllis supvr aide Sch Dist 70 h2001 Reformers Av " Phyllis J Mrs ofc mgr Sullivan & Poore h918 N Downey Av " Phyllis L h953 E 34th St " Preston & Pauline F; retd h3723 Hillside Av " Quentin R & Ella A; retd h4817 Brookville Rd " R h5220 W 30th St Apt B5 " R dept mgr Bank One h600 N Alabama St Apt 803 " R mgr Rallys h327 N Oakland Av " R A hi E 36th St Apt 806 " R B & Ollie Mae; set-up Foto Graphic r3268 N Schofield "EG pres Miller Sales Corp " Rachel Y Mrs elk K-Mart h2647 S Randolph St " Ralph A & Twyla Y; retd hl525 Craft St " Ralph E & Cheryl B; driver I P T C h5311 E 10th St " Ralph E Jr & Charlotte M; retd h5056 W 32d St " Ralph F & Martha; jan Evans Milling h3656 W 10th St " Ralph F Jr & Deborah L; emp Wallace Exp h802 Division St " Ralph O & Peggy L; retd hl937 Dayton Av " Ralph W & Judith L; retd h6023 E 52d PI " Ralph W mtcemn Dellen Olds r40 N Linwood Av " Randall h4818 E 19th St " Randall & Vashti; firefighter City Fire Dept hl949 Medford Av " Randy A pntr Cambridge Inn r744 Sparrow Av " Ray & Mary; retd h710 E Pleasant Rn Pkwy (N Dr) "OPEN TO SERVE" STUART MORTUARY INC. 925-3000 2201 N. Illinois St., 46208-5716 CREMATION AVAILABLE PRENEED SERVICE PLANNING SHIPPING ARRANGED WORLDWIDE
- 37. m us —_ ISS MLS . HARTLEY & ASSOCIATES 4611 N. FRANKLIN RD. - TEL. 546-4090 • RESIDENTIAL • COMMERCIAL • RELOCATION Each Office is Independently Owned and Operated t=* 425 r RESIDER MILLER Ray D & Dianna S; slsmn Flowers To Florists h2031 Hobart St Ray 0 Jr & Bernadine R; retd h3624 Woodcliff Dr Raymond R & Brenda K; mach repr Allison Gas Turbine h.274 N Addison St Raymond S h4607 Fletcher Av Raymond S h4014 Strathmore Dr Regina wtress White Castle r8439 Montery Rd Reuben & Evelyn; retd hl060 W 36th St Rex A & Susan B; whse mgr Structural Glassworks Macki-Vetio Indus h534 N Hamilton Av Richd uniserv dir Ind State Tchrs Assn rLowell IN Richd A & Ruth E (Miller's Regal Market) r2119 Woodcrest Ct Richd C & Beverly K; asst claims dept mgr Hartford Ins Group h819 Lesley Av Richd D h6323 N Tara Ct Apt G Richd G & Margie E; retd hl027 N Kealing Av Richd J & Susan E h2257 N Moreland Av Richd J studt r3240 N Park Av Richd J whse wkr Tri Cnty rl6 W Southern Av Richd L h8410 Meadowlark Dr Richd R & Shirley; cook Fort Benj Harrison h8443 Georgiana La Richd W & Ellen G; tchr Butler Univ h5023 N Capitol Av Richd W II v- pres Bru-Mil Inc Ricky & Nancy P; pntr S & M Painting Co h4732 Calhoun St Robbin h3664 W 11th St Robt & Evelyn M; retd hl510 Herschell Av Robt h6808 Summer Time Dr Robt A & Martha R; mach Allison's h5320 Falcon La Robt C retd h4460 E 38th St Robt D & Linda K (Power Tools Sis & Serv) rZionsville IN Robt E & Ruth E; printer Rand Mc Nally h611 N Chester Av Robt E & Barbara J h249 Detroit St Robt E & Lisa J; roofer h2320 Prospect St Robt E & Emma J; lab Chrysler Corp h2311 Southeastern Av Robt L & Helen E; retd h2927 Broadway St Robt L anlst Natl Starch & Chem Corp h2672 Cold Spring Rd Robt L mach opr Engineering Research h247 S Gray St Robt L waiter r3830 Guilford Av Robt L & Carolyn h720 S Keystone Av Robt L mech supvr Am Monitor h3926 Lawndale Av Robt L prsmn Advance Prntg Co Inc r2650 S Woodrow Robt L & Johnnie M; retd h942 Miley Av Robt L constn wkr Wellington Contr r2311 Southeastern Av Robt L Bishop co-pastor Spiritual Temple Of Moses Robt L Jr & Marjorie A; mach opr Zimmer Paper Prods h4209 S State Av Robt S & Myrtle I; retd h5432 E 10th St Robt T & Dorothy; retd
- 38. h6101 Midway CtRoberta aide Scott Manor Nursing Hm h3167 Watergate PI Apt 6 Robt W & Margt J; retd hl537 E Kelly St Robin r3210 Watergate Rd Apt 5 Robin L studt r942 Miley Av Robin L asst sports editor Indpls Star h327 E St Clair St Romona F Mrs nurse Meth Hosp hl039 N Somerset Av Ronald & Marcia L; chf budget ofcr City Of Indpls h.5926 E Pleasant Rn Pkwy (N Dr) Ronald E & Linda L h952 W 34th St Ronald J & Mary C; firefighter Wash Twp Fire Dept h905 N Bancroft St Ronda bartndr Claude & Annies r3455 Gerrard Dr Ronda E wtress Bob Evans Restr h4303 Jamie Ct Ronnie E controller Orkins r2436 Carrollton Av Rosemary cook Mikes Tavern rl422 N Livingston Av Rosemary Mrs cook Finish Line Lounge h2911 W 16th St Rosezine hl214 N Dearborn St Roxanne h3761 N Meridian St Apt 303 Roy E (Miller's Amoco Serv Cntr) r6640 E 18th St MILLER " Roy F & Rose M; retd h4030 Moller Rd " Roy K & Margt; slsmn Mark's R V h6218 E 15th St " Roy Wm retd hi 111 N Sheffield Av " Russell B h3306 N Arsenal Av " Russell W computer opr Baldwin & Lyons Ins r421 W Gimber St " Russell W & Nina H; retd h4171 Pasadena St " Ruth Ann r3432 Allison Av " Ruth E elk PO rl048 E Berwyn St " Ruth J Mrs insp C H Ellis Co h523 S Grand Av " Ruth L Mrs retd h2121 Sugar Grove Av " Ruth M Mrs retd h4131 Mitthoeffer Rd Apt A " Ruth M Mrs h731 Worchester Av " Ruth S nurse Community Hosp h7202 Kensington Dr Apt B " Ruthann Mrs nurse Ind Sch Of Deaf hl815 Leland St " S h2246 Leland St " S rlll3 E Sumner Av "SB h700 N Alabama St Apt 1112 " S M h3222 Brouse Av " S Thos phys 1303 N Arlington Av Rm 2 " Sales Corp R G Miller Pres coml lndry equip 2511 E 46th St Rm T5 " Sandra A Mrs ofc wkr North Central HI Sch h2600 E Northgate St " Sandra L ofc sec Dept Of Trans h710 Ferndale Ct " Scott A r600 N Alabama St Apt 2400 " Scott A h600 N Alabama St Apt 2804 " Scott W mgr United Oil Services Inc (Sta No 1014) r2936 Avon Rd " Sean F emp State Of IN rl816 Union St " Selma M Mrs retd h56 E Pleasant Rn Pkwy (N Dr) " Sharon R comp opr Collins Oldsmobile r406 N Oxford St " Shell Service (Darrell Miller) 3801 Lafayette Rd " Shelley A cash Preston Safeway r2010 N Dearborn St " Sheri L Mrs physical ther Meth Hosp h7913 E 34th St " Shirley h508 N Lockerbie Cir " Shirley A elk Blocks r2121 Sugar Grove Av " Shirley L emp IN Univ h3475 Woodfront Dr " Sidney
- 39. (Sid's Wrecker Servs)" Silas & Helen; retd h516 W 28th St " Sol C pres M S E Corp " & Sons Masonry Inc Philip M Miller Pres Jack C Miller Exec V- Pres Nancy Miller Sec-Treas contrs 1317 Prospect St " Stanley & Mary A; retd h744 Sparrow Av " Stanley B Hon judge State Of IN Ct Of Appeals " Stella M Mrs retd h4031 N Audubon Rd " Steph K h7239 E 35th St " Steph K & Linn (Miller Faires Hebert & Woddell) " Steve & Pam h5848 Broadway St " Steve stock wkr Marsh Foods h2725 Shirley Dr " Steven h4249 David St Apt 2 " Steven E rte slsmn Coca Cola r458 N Goodlet Av " Steven J & Tonia L; studt h715 E 53d St " Steven J & Debra L; asmblr Allison" hl451 N Colorado Av " Steven K emp Allison's h5834 Haverford Av " Steven R studt r2311 Southeastern Av " Sue elk Value City hlll7 W 36th St " Sue h533 N Goodlet Av " Sue C h3957 Gateway Ct " Sue C Mrs sec Cycare Practice Mgmt hl803 N Somerset Av " Suglet Jr & Charlotte E h3645 N La Salle St " Susan dep elk State Supreme Ct Of Appeals " Susan A comp atndt IN Bell hl216 E Gimber St " Susan B r4141 Brown Rd " Susan J acct Allison Gas Turbine r5855 Brouse Av " Sussy h3253 N Gladstone Av " Sylvester J & Eliz D; retd hi 117 N Keystone Av " T prod mgr Marsh Supermkt " T G h402 N Centennial St " Tammy L hl316 N La Salle St " Ted & Dorothy; servmn Indpls P & L Co hi 222 N Irvington Av " Ted A & Diane; lab Richards Inc hll7 W 23d St " Ted A & Wilma J; emp Indpls P & L h3438 N Rural St " Teresa h9344 E 41st St Apt 53 " Terri L h701 N Euclid Av " Thelma Mrs retd h3550 Biscayne Rd MILLER " Thelma Mrs nurse Meth Hosp h2161 White Av Thelma C Mrs retd h6011 Rosslyn Av Thelma L Mrs retd h750 W 10th St Apt A2 Thelma R Mrs retd h4706 Young Av Thos A & Joanne; slsmn Lebanon Oak Flooring h458 N Goodlet Av Thos A & Jill; treas Curry- Miller Veneers Inc h6441 N Penn St Thos B (Ideal Barber Shop) r2920 Dietz St Thos C r2125 Broadway St Thos E mtcemn Milo Post Ins h326 Cable St Thos F repr Black & Decker Mfg h4911 Carrollton Av Thos G studt r5630 N Penn St Thos L studt r5674 Wash Blvd Thos L Jr r2356 Columbia Av Thos M chairmn of bd I N B Natl Bk Thos M Jr catering mgr Holiday InnAirport h6529 N College Av Apt 71 Thos O & Terry R; pres Classic Laby hl930 Leland St Thos S sr tech Metro Health Plan h4462 Indianola Av Apt 4 Thos W & Kathleen A; city mgr Natl Delivery Serv h752 Leland St Thor R
- 40. lwyr Wooden McLaughlin & Sterner hi 115 Hawks La Tim E h4918 E 10th St Tim L mech r401 N Tibbs Av Tim R & Kelly L; elec tech C T Sys h4934 Farrington Av Timothy formn Brehob Elec Equip r2536 Tansel Rd Timothy M & Jeanette L; wldr Total Sup Inc h714 Worchester Av Tommy firefighter City Fire Dept Tonia L Mrs tchr Indpls P S h715 E 53d St Towanda M elk Paper Arts r2737 N Chester Av Tracey r409 N Tacoma Av Tracey L traffic dept State House r854 N Oakland Av Tracy D & Mary J; gutter hanger Goss Constn h226 N Keystone Av Tracy L & Vera J; retd h3534 N Sherman Dr Transfer & Rigging Wayne Hubenthal Mgr trucking lines 2459 S West St Trina R data entry opr Cigna Co r2141 Sugar Grove Av V h6 Kansas St V Mrs business consultant B C B S Of IN h4902 N Kenwood Av V J admn asst Training Inc h4826 E Mich St Valerie Mrs h4008 Corwyn Rd Vanessa K asmblr Bosma Indus For The Blind h5648 W 43d St Veatrice Mrs retd h3821 N Kenwood Av Velma R Mrs elk K-Mart h2006 N Exeter Av Verlin capt Salvation Army Fountain Sq Corps & Comm Cntr Vernell J h5597 W 43d St Vernor B retd IU741 N Holmes Av Vernor B Jr & Sharon K; emp City Of Indpls h3425 Gerrard Dr Veronica Mrs acct Am States Ins h5322 Crittenden Av Vickie L cook Gringos r2010 N Dearborn St Victor h2257 Carrollton Av Victor E & Mary F; retd hi 760 E Tabor St Victor E III & Sheila A hl450 E Raymond St Victor H & Rosemary M; asst supvr meter rdg Indpls Water Co hl816 Union St Viola M Mrs retd h819 E 48th St Virgil mgr Blacherne Apts h402 N Meridian St Apt 101 Virginia H Mrs retd h5735 Julian Av Virginia R Mrs retd h700 N Alabama St Apt 1513 Vivian E ofc wkr I U P U h3701 Shelby St Apt C10 Vivian M Mrs elk Naval Avionics hi 106 N Drexel Av W Earl & Daisy; retd h4539 Young Av W Eloise Mrs retd hl909 Charles St W J Mrs retd hi 117 W 35th St W Thos & Florence h358 E St Clair St W Thos retd h370 E St Clair St W Wallace & Nona L; material handler Chrysler h4825 N Kenmore Rd Wallace E Jr & Deborah A h3607 Allison Av Wallace O h28 E 16th St Apt 302 Walter F & Margt E; retd h308 N Ritter Av Walter Z & Kathy I; computer tech FAA hl543 Comer Av Walton L & Shirley A; formn Crown Products h743 E Werges St MILLER " Warren emp Ind State Museum h424W N Grant Av " Warren hl410te E Vermont St " Wash & Maggie; retd h2739 Guilford Av " Wayne D & Carolyn A; installer A
- 41. T & Th53 N Pershing Av " Wayne E & Betty J h5336 Leone Dr " Wendy studt h3656 Green Ash Ct Apt 306 " Wesley H & Virginia E; emp Potter Materials h41 N Hamilton Av Apt 1 " Wick & Nina M; tech Coml Pts & Serv hi 137 S Richland St " Wilberta retd hi 327 Kappes St " Willa D mach opr Lilly's h5032 N Illinois St " Wm & Patricia A; eng Navistar h8338 E 34th PI Wm & Mary L; mech Coral Pontiac hl7 N Beville Av " Wm r2147 Columbia Av " Wm Jr v-pres Comm Cancer Care Inc " Wm B retd hl318 Kappes St " Wm E & Mary K; ad making Indpls Star-News h5855 Brouse Av " Wm F mgr City Barrett Law " Wm G retd h2478 Dawson St Wm H & Janice L; eng Ransberg Mirco Poise Div h5734 N College Av " Wm J & Cathy R; supvr PO hi 15 N Drexel Av " Wm L retd h4618 Evanston Av " Wm L & Sandra A; slsmn Indpls Stl hl765 E Hanna Av " Wm L & Mary A; reprmn Appliances hl409 Kennington St " Wm L studt r2843 Mac Pherson Av " Wm L & Anna C; retd hl025 E Tabor St " Wm N & M B; retd hl419 W 27th St " Wm R & Patricia; pres Curry- Miller Veneers Inc rCarmel IN " Wm R & Betty L; retd h3320 Olive St " Wm R Jr & Fredericka D; slsmn Hedback Distributing h6046 N College Av " Wm S & Joyce C; radio eng W X L W h3536 Wellington Av " Willie E & Mattie L h2958 N Colorado Av " Willie H & Beatrice h2737 N Chester Av " Willie M fcty wkr General Motors h4046 Rookwood Av " Wilma retd h2356 Columbia Av " Wilma J hl415 Rembrandt St " Winifred E h4171 Mission Dr Apt C " Winifred T Mrs retd hl420 N Bosart Av " Yolande A Mrs babysitter h7610 E 35th St " Zellie R Mrs fcty wkr Carson Mfg h6307 E 14th St " Zenobia L h4705 Ribble Rd Miller's Amoco Service Cntr (Roy E Miller) 5472 E 16th St " Appliances (James Miller) used appl 4002 Cornelius Av " Merry Manor Larry Lester Admn nursing home 1700 N Illinois St MILLER'S MERRY MANOR INC Karen Warner Administrator, The Health Care Professionals With The Hometown Touch, Beautiful New Nursing Home Facilities, Many Amenities For The Discerning Individual, 1651 N Campbell Av (46218) Tel (317) 367-8040 " Regal Market (Leo J & Richd A Miller) gro 219 E Terrace Av Used Auto Parts (James F Miller) 2921 Bertha St Millet Bertha D Mrs retd h2830 S East St Apt B5 Millett Mary mgr AAA Window Cntr Inc r6702 E 19th St " Thos J & Mary L; drvr City Plating h6702 E 19th St " Wm A emp T V M Sys h2855 E 45th St Apt 1401 Millholland
- 42. See Also Mulholland" H Elaine retd h4935 Norwaldo Av Milli Lawr J & W Jean; retd h5428 E 19th St " Louis M & Fay A; retd hl912 S Delaware St " Louis M Jr & Nancy E; pressmn Indpls Star News h9851 Catalina Dr " Rose L Mrs retd h621 N Beville Av " Terry G rl218 N La Salle St Millie's Beauty Salon (Mildred L Wilson) 4450 E 10th St Milligan Alma Mrs emp Indpls P S hl926 S Grant Av " Anna retd h825 Indiana Av Apt 209 " Danl eng Naval Avionics r3508 Harvest Av ■ ■ ■ go(/5 c c n !;, < : a. « c S. rr q_ to — __ olpIO ■ ■ ■ ■ CD oSh1^ SB ■ J-"?33 b ^x m en m 7J 3) Z 2 :§& > 0 33 ^ z (/) ^ 5 < o " Ss ^ r 01 p > w H - ^ 5 o> :& > . z v> > H O ^ O H ro I m D U) CO CD o> ii Go J (Q tn o ^ ■ CD Ct -j. ^« ■**. ->*
- 43. CO HI CallToday For Flower Delivery Order By 1 1 AM - Delivered By 5 PM Just pick up the phone and call one of the preferred professional florists SEE PAGE C 08 9 >< 5 h pit a tin h HOUSEHOLDER 426 MILLIGAN " Doss J & Sue E; retd h338 S Parker Av " Edw J & Jo Ann; retd h3508 Harvest Av " Jake R & Alma G; emp Citizens Gas M926 S Grant Av " James R & Judy; sec-treas C C Garrett Machy " Jos H & Monica L; mtcemn Eagle Valley Retirement Home h760 N Luett Av " Kenneth R & Pamela C; emp Marion Cnty Hlth Dept h945 N Dearborn St " Lola M Mrs retd hl629 N Somerset Av " Lorraine E retd h625 N Tacoma Av " Melissa A h446 S Parker Av " Robt W & Elouise; retd hi 205 Medford Av " Ronald J & Louise; serv mgr Indiana Beech Craft h6332 Columbine Dr " Ruby M bkpr R L Baerncopf C P A " Scott C studt r3801 N Meridian St Apt 201 " Steven mgr Gobie Shoe Shop " T h5141 Thrush Dr " Theresa studt r3508 Harvest Av Millikan h30 E Georgia St Apt 612 " Alberta J retd h3639 N Chester Av " Geo B & Pauline T; retd r5758 N College Av " H h4450 Marcy La Apt 123 " Mark A h609 E 50th St " Martha L retd h5758 N College Av Milliken Alverta N retd hl059 W 35th St " Bernard retd h501 N East St Apt 412 " Charlotte M emp Greenbriar Nursing Home h730 Lynn St " James E (Milliken Siding Co) hl338 N Euclid Av " John W & Margt L; retd h2711 Ethel St " Lloyd H Jr & Sheila (Locke Reynolds Boyd & Weisell) r6040 E 65th PI " Mary B Mrs asmblr John Sexton h4609 Brookville Rd Milliman & Robertson (Br) (Wendell Milliman Stuart Robertson) actuaries 201 N Illinois St Ste 2000 " Wendell (Milliman & Robertson) Milliner See Also Millner And Milner " Anna L cash Fernhoutz's Mkt hl918 Cornell Av " James O & Pauline R; door dept Schrieber Lbr Co hl032 N Concord St " Jerry L & Rosalie M; pres M- Y Auto Brokers rl342 N 500e Columbus " Yvonne H Mrs emp Ayres hl626 Broadway St Million Melanie K ofc wkr Merchants Bk Bldg h915 E Berwyn St Richd E & Pat A; retd h6981 Wash Blvd Milliron Chris r3319 Mac Arthur La Iva Mae Mrs retd h4350 Madison Av Apt 421 Jack & Kathy; drvr Sylor Trkg h3319 Mac Arthur La Kathy Mrs emp Addison Wesley Pub Co h3319 Mac Arthur La Keith A emp Gringo Taco Hse r2025 N Oxford St Millis S A h734 N Emerson Av Millman A 1 h265 E Southern Av Apt 1 Clark M
- 44. acct Ernst &Whinney r6739b San Paulo Circle Millner See Also Milliner And Milner Jesse M & Frances K; retd h22 N Edmondson St Mills h4101 Campbell St h4861 Rosslyn Av Agnes Mrs hl050 Hosbrook St Alan R & Pat I; emp Swat Co h2850 Brookside Av Albert L & Bertha E; retd h2426 N La Salle St Alice Mrs sec Banquet Dairy Prods Amos & Joyce; bumper straightner Williamson Polishing & Plating h2215 Morgan St Amos R & Kathy H; set-up mn A M Genl hl236 Blaine Av Anna V Mrs retd h2315 Morgan St Anthony M & Kelly J; surgery tech Meth Hosp h3538 Harvest Av Arliss R & Cindy D; bun opr Wonder Bread h325 N Grant Av Avis F Mrs retd h2862 N Capitol Av B L & Rosie L (The Other PI Variety Store) h3115 Dr Andrew J Brown Dr Barbara retd h555 Mass Av Barbara A Mrs dir field serv Hoosier Capital Girl Scout Council r2317 N Capitol Av Bert Jr & Paula M; foremn Merico r.2019 Gala Dr Beth h36 W 56th St Betty h3636 Wingate Ter Apt A Betty T Mrs retd h2819 N Tibbs Av MILLS " Buel & Mary; commissary Ft Harrison Benjamin h8630 E 38th St " Cary trk drvr Culligan Water Condtg r5490 Pleasant Hill No C " Casandra r3138 N Bancroft St " Chas C & Irene D (All World Travel) h5543 University Av " Chas F h3542 W 12th St " Charles W retd hl330 Edgemont Av " Chester L & Deena L; roofer More Roofing hl056 Hosbrook St " Cleopatria retd h2137 N Harding St " Cliff (Cliff Mills Pointing & Caulking Serv) rl418 Marlowe Av " Cliff Pointing & Caulking Service (Cliff Mills) 713 Dorman St " Craig W h5806 Primrose Av " Danny R & Linda; mech hi 120 Spann Av " Darrell h5323 N Tara Ct Apt A " David A & Lora R; mgr Indianapolis Security Doors h438 S Emerson Av " David A slsmn Maplehurst Dairy h5837 Kingsley Dr " David L & Mary L; mtcemn Fairgrounds hl607 S State Av " David L & Joan hl802 S Talbott St " Donna L Mrs tchr City Bd Of Educ h4728 Boulevard PI " Dorothea F Mrs retd h2423 Radcliffe Av " Earl A & A Laurie; retd hl0204 N Aristocrat Dr Apt B " Edna L Mrs retd h4001 E Wash St Apt 1 " Eliz K waitress Smilie's Restr h231 N Belmont Av " Ellis D & Denise R; elk PO h4223 Cornelius Av " Estelle B Mrs retd hl29 W 43d St " Eug & Alberta; retd hl249 Roache St " Fay A (Fanci Beauty Salon) " Florence E h25 S Emerson Av " Florence E retd h28 Wallace La Apt E " Glenwood B & Edna M hl462 Standish Av " Gregory h4554 Mission Dr Apt 282 " Grooming (Jackie Mills) pet
- 45. grooming 2070 E54th St Rm 9 " Harold retd h817 N Denny St " Harry A atndt Amoco Sta r3640 Erin Dr " Hazel M h3753 Kercheval Dr " Houston & Earnestine h2364 N Gale St " Howard treas Banquet Dairy Prods " Howard Mrs chrmn of bd Banquet Dairy Prods " Howard T & Verneda; bus driver Metro Transit h3242 N Euclid Av " Irene D Mrs (All World Travel) h5543 University Av " J S hl5 S Bolton Av " Jackie (Mills Grooming) " Jacqueline h2839 Brill St " James r8630 E 38th St " James E & Mary E; retd h730 N Colorado Av " Jerome W & Debra C; musician 5312 E 34th St h5312 E 34th St " Jim & Rita J; constn wkr Mills Constn h5009 E Naomi St " Joan L retd r7152 Kensington Dr Apt C " John B & Margt B; retd hi 125 Laurel St " John E & Cleonia C; retd hl914 Markwood Av " Johnnie millwright Southeastern Sup h33 S Gray St " Joseph D & Nancy J; custdn Wash Township PS h931 N Oakland Av " Joyce Mrs racker Williamson Polishing & Plating h2215 Morgan St " Julie M emp Piazza Produce Inc h5246 Hillsboro Dr Apt C " Karen uniserv asst Ind State Tchrs Assn r2725 Rose La Evansville " Kathy H Mrs bus monitor Indpls PS hi 236 Blaine Av " Kelly J Mrs unit sec Meth Hosp h3538 Harvest Av " Ken W & Rebecca A; retd hl814 S Delaware St " Kenneth E & Betty R; food & beverage coordinator Holiday Inn h5209 E North St " L J lwyr Cremer & Hobbs " Larry W insp Allison h411 N Holmes Av " Lawrence S & Patricia; elk IN Bell h4711 Indianola Av " Lelia D Mrs retd rl950 N Linwood Av " Una P Mrs retd h4817 E 21st St " Lin L cashier Cubs Foods h8245 E 42d St " Linda waitress-dishwshr Mc Cord's Grill rl805 Southeastern Av " Linda K Mrs ofc sec St Simon Sch h7821 Gilmore Rd " Lora R Mrs claims adjuster h438 S Emerson Av " Lorraine retd h943 W 33d St MILLS " M E Mrs retd rl243 N Holmes Av " M Margt Mrs waitress Mc Cord's Grill hl805 Southeastern Av " M W h225 E North St Apt 2005 " Marilyn L Mrs babysitter r2857 N Temple Av " Mark A & Carol S; exhaust cln Am Exhaust h2350 E Le Grande Av " Martha E Mrs retd h6419 Thistle Dr " Mary A retd h5781 Oakland Ter Apt B " Mary Jo emp Fed Govt hl418 Marlowe Av " Melodie A Mrs r2404 Perkins Av " Melva retd h430 Mass Av Apt 602 " Michl E & Karen K; pipefitter Amtrak h59 N Sheridan Av " Michl J & Linda K; lathe opr Allison h7821 Gilmore Rd " Mildred V Mrs retd h5926 W 41st PI " Millie h3919 N La Salle St Apt 429 " Moirp h3540
- 46. N Meridian StApt 309 " Myrtle C retd hi 945 N DE Quincy St " Myrtle E Mrs retd hl027 Blaine Av " Nancy J Mrs swing mgr Mc Donald's h931 N Oakland Av " Nancy M Mrs financial planning & analysis mgr Schwitzer WallaceMurray rl440 Landersdale Rd Camby IN " Norma J emp Flanner Hse h3138 N Bancroft St " Oakley T & B Louise; retd hl329 Fletcher Av " Odessa D Mrs retd h524 W 38th St " Patricia A hll26 N Keystone Av " Patricia A Mrs ofc sec St Paul's Episc Ch h4150 Carrollton Av " Patricia L nurse St Vincents Hosp h5419 Primrose Av " Paula M Mrs jwlry elk Slarr h2019 Gala Dr " Peggy h3767 S State Av Apt 116 " Rachel E Mrs homemkr Family Serv Assn hl931 E 34th St " Randall B & Nettie; emp Nabisco h4117 E 11th St " Randy L mover Speed Way Movers r2215 Morgan St " Richd & Barbara; retd h441 N Oakland Av " Richd L h411 N Oakland Av " Robt D & Blossom E; tech ADT r435 N Gladstone Av " Robt E & Juanita; retd hl514 Asbury St " Robt R & Dorothy L; retd hl808 Knox St " Roy & Lu Ann h2118 Spann Av " Roy D h245 W 38th St Apt 311 " Rufus C Rev & Marian; mgr Apostolic Light Press h3735 Marrison PI " Ruth A Mrs retd h6154 Crittenden Av " Sarah F Mrs slswn Ayres hl618 Cornell Av " Shafter J & Brenda D h34 S Tuxedo St " Sharon R hl006 Lexington Av Apt 1 " Sherrie dir Capitol Conference Cntr " Stanley & Rachel E hl931 E 34th St " Starlene h841 N Rural St " Stuart treas Christian Theological Seminary " Sue A h222 N Tacoma Av " Sue E hl052 Hosbrook St " Susan mgr Uni Serve " Teresa M Mrs retd h4429 Linwood Ct Apt 10 " Timothy M & Diane L h5150 Guilford Av " Vicky hl257 Edgemont Av " W Joe & Patricia A; retd h4150 Carrollton Av " Wilbur mech Cory Orchard Sup " Willa h3720 N Meridian St Apt 104 " Wm A custdn City Bd Of Educ h2834 Schofield Av " Wm F & Mary A h7912 Bonita Ct " Wm R & Juanita; retd hl312 W 33d St " Wm T & Connie L; mech SAAB h2618 Putters La Millspaugh Hazel Mrs retd h3559 W Mich St " John R & Roberta L; mech Citizens Gas h3519 W Mich St " Laura A Mrs retd hlOHO Pineneedle Ct Apt D " Steve & Linda; admn Cnty Central Purch h6268 Central Av Millwork Designs (Michl L Dilk Chester P Huckaby) whol bldg matls 6425 English Av Milne Kim mgr General Nutrition Center Milner See Also Milliner And Millner " B L h5822 E Wash St Apt 19 " Barbara Mrs h640 N La Salle St " Charles R & Martha E; mach opr Ford Mtr Co h318 S Butler Av "
- 47. Davis & JudithM; lathe opr Allison's h5307 Falcon La MILNER " Donald E & Teresa A; retd h510 N Tacoma Av " Glen C retd hl024 N Concord St " John E Jr field exam State Bd Of Accts rRt 3 Knox IN " Marilyn J (A A Recycling) " Martha E Mrs r318 S Butler Av Milo Associates Inc Patk Croft Pres equip sys components matls 4169 Millersville Rd " Beauty & Barber Sup Gladdys Ormsby Mgr 2440 Lafayette Rd " Discount Sotir Milo Pres beauty sup 6012 E 21st St " Discount Beauty & Barber Supply Co Inc Pat Sutmaier Dist Mgr 5914 N College Av " Sotir pres Milo Discount rAkron OH " Steve & Kath; emp Allison h4119 Steinmetz Dr Mils Randal & Ailene; retd h4320 Shady La Milstead Donita R Mrs sec Indiana Natl Bk h4250 Asbury St " John V & Donita R; car slsmn h4250 Asbury St Milstein Michl h3328 Lincoln Rd Apt 222 Milt's Auction (Milton L Livingston) 2615 W Mich St " Drapery Service Inc Milton Poteet Pres 1710 E 49th St Milthaler Brenda mgr Target Stores Milton See Also Melton " Albert atndt Bob's Marathon Sta h3644 N Olney St " Bernette mgr Value City Furn h4035 Pinehurst Dr E Apt D " Claressa h2841 N Olney St " Cordelia (Touch Of Class Beauty Salon) h3443 Guilford Av " Danell M h3463 Calhoun St " Eugene fcty wkr Diamond Chair h5005 E 42d St Apt D2 " Evon D Mrs h4043 N Grand Av " Gertrude Mrs retd h3521 N Riley Av " James E & Cecelia G; asmblr Jenn Air h5134 Rosslyn Av " James N & Sadie; retd h4710 N Kenwood Av " L C h317 E 38th St Apt 5 " Larry E r3443 Guilford Av " Lee M & Denise M; chef J Whits h.5307 Primrose Av " Les H & Jan F h3450 Seine Ct " Margt C Mrs retd h947 N Tibbs Av " Patricia A Mrs emp RCA h7221 Twin Oaks Dr " Preston retd rl797 N Somerset Av " S A retd h37 S Audubon Rd Apt Bl " Sam & Carol C; mach opr Allison h4116 Boulevard PI " Sam Jr h4114 Boulevard PI " Thos v-pres-sec United Acturial Serv r5165 E 74th PI " Wm A & Carethea J; bakery wkr Wonder Bread h4379 N Audubon Rd " Wm E & J A h2961 N Kessler Blvd Milturn Corp Geo J Seybert Pres Don Berry V- Pres Genl Mgr mach shop 200 S Harding St Miltz Gertrude A Mrs retd h618 N Somerset Av " Karl Rev in residence pastor St Simon The Apostle Cath Ch r2505 Eaton Av Milum Larry A & Donna S hl502 Astor St Mimms Brenda h959 N Pershing Av " Carl J & Yvonne; emp PO h2664 Cold Spring Rd " Cliffie E Mrs retd h348 W 26th St " Clifford food serv wkr Morrison's Cafeteria " Darlene R
- 48. nurse h8529 LennaCt " Deloris h2457 Beckwith Dr Apt D " Dottie M h509 E 24th St Apt B " Granville M Rev & Alma J; pastor Bethesda Missionary Bapt Ch h2122 Medford Av " Harry (The Carver's Bench) " Howard A Jr & Marcia L; mach Naval Avionics h4220 E 42d St " Marcia L Mrs slswn Lazarus h4220 E 42d St " Martha A Mrs emp Allison h3005 Roberta Dr " Martha G fcty wkr Allison's r3419 N Kenwood Av " Mary F studt r4220 E 42d St " Michelle h3328 Manor Ct Mimnick Kim h3271 E Tara Ct Apt C Mims Gladys B retd h3206 N Sherman Dr " Harry D & Na-Reba F; brklyr 3429 Graceland Av h3429 Graceland Av " Oliver Jr & Tracy Y; USA h3675 Governours Ct Apt C Mina Aldo S & Ada; tailor Jacobson h2312 Villa Av " Anthony M tailor Gentry Shop h2305 E Le Grande Av Minard Louis C & Betty h2226 N Sherman Dr " Shannon h2222 N Sherman Dr
- 49. COMMERCIAL INVESTMENT GROUPINC. Thinking Of Buying Or Selling A Business? Call Us. 8888 Keystone Crossing, Suite 550 Call 573-0280 427 r RESLDER BONABDO Mlnardo Ous J & Margt C; retd h719 E Mc Carty St " Peter J retd r732 E Mc Carty St " Salvadora R retd h732 E Mc Carty St Minars P h5730 E Wash St Apt 29 Mlnassian Donald P & Elaine S; prof Butler Univ h410 Blue Ridge Rd Mlnasz Richd J prof Marian College h3146 Cosseli Dr Minatel Edw A retd hi 833 N Spencer Av " Joseph v-pres Grant Furn Co lnc r8143 E 13th " Joseph P & Barbara E; slsmn Grant Furn Co lnc r8143 E 13th " Mario pharm Victor Pharmacy Mincer See Also Mencer " Maxine M retd hi 733 N Spencer Av Mindach Donald M h3017 E Mich St " Jane L Mrs elk Indpls P S h928 Eastern Av " John L carrier P 0 r931 N Sherman Dr " Joyce A Mrs retd h931 N Sherman Dr Mindrebo Norman & Peggy B; phys IN Univ Hosp h5637 Rosslyn Av Mindrup James K retd h532 N Oxford St " Ken S & Cynthia L; missionary Mission Board h7834 Wysong Dr " Nancy L Mrs tchr Indpls P S r532 N Oxford St Minear Basil E comp opr Ind Natl Bk h262 Trowbridge St Miner See Also Meiner and minor " h3384 Sherburne La Apt C " Alvin & Doris; general mgr Amko Supply r838 E Thompon Rd " Beryle (Miner's Body Shop) rGreenwood IN " Byron & Louise (Miner's Body Shop) rGreenwood IN " D Kirk & Monica A; mech Tire America h2720 Aurie Dr " Denise D maid Hyatt h568 Drake St " Donald R & Wanda B; sup elk Lillys h7917 Gilmore Rd " Donna L Mrs emp Trendsetters Hair Design hi 730 Wade St " Doris E Mrs pres Amko Supply r838 E Thompson Rd " Greg prog dir Keenan Stahl Boys Club rl23 Regal Ct " Howard J & Ella C; retd hi 118 Wallace St " James phys 1801 N Senate Av Ste 548 " Jeffrey A & Donna L; carrier P 0 hi 730 Wade St " John C & Patricia M h3441 Sadlier Dr " Julie mgr Amanda's Hallmark Shop " Keith r7917 Gilmore Rd " Kimberly K h54 S Belleview PI " Louise 0 Mrs bkpr Miner's Radiator & Body Shop " Mitzi M hl620 E Minnesota St " Monica A Mrs desk mgr Knights Inn h2720 Aurie Dr " Pearly M Mrs jan Safeway Bldg Servs h609 E 37th St " Richd pro Riverside Golf Course " Robt L & Dorothy E; retd h5116 Carrollton Av " Thelma H retd h324 N Linwood Av " Thos & Mary h741 Carlyle PI " Thos Jr emp State Homicide Dept r741
- 50. Carlyle PI "Wanda B Mrs payroll Firefighters Credit Union h7917 Gilmore Rd Miner's Body Shop (Beryle & Byron Miner) auto repr 2201 E 30th St " Radiator & Body Shop lnc Byron Miner Mgr 2951 Hillside Av Minet See Also Minett Minett Mozee Mrs retd h2101 Boulevard PI Apt 16 MINEWELD COMPANY Frank C Fiabeck President, Airco Gases, Welding Equipment And Supplies, 5430 W Morris St (46241) Tel 243-6601 Mingee Elijah C & Dorothy M; retd h777 N Emerson Av Minger Alan S mgr Waffle Hse Minglin Audrey 0 hl040 N Delaware St Apt 75 Mings See Also MENG Mini Express (Robt Shoobridge) brass gifts Union Station " Micro Satellite Co lnc Roy A Walker Pres 4374 Madison Av Miniard Wm R & Julie h219 N State Av Minich See Also Minnich And Minnick " Donald E & Betty J; retd h6929 Broadway St Minick Gary A draftsmn Cad-Cam lnc r415 N Riley Av " John D h2657 Cold Springs Manor Dr Minier Scott r760 Blake St Apt B Minion Carrie A h2201 E 32d St Apt B " David & Madonna h3582 Woodfront Ct MINISTER'S Minister's Life Robert Tindau Mgr ins 6100 N Keystone Av Ste 403 Minix See Also Minnix " Donna L Mrs opr IN Bell h2260 N Moreland Av " Jas M & Coletta 1; environmental servs CITY h965 N Concord St " Kevin B r2260 N Moreland Av " Kyle L r2260 N Moreland Av " Roscoe & Donna L; retd h2260 N Moreland Av " Vivian E Mrs retd h404 N Linwood Av Mink See Also Minks And Minx " Arth L retd hl826 E Raymond St " D hl320 N Delaware St Apt 414 " D hl216 N Perm St Apt 307 " David W prod elk Krogers rl230 N Parker Av " Dennis E clerical wkr IN Gas Co h615 St Paul St " Doyle D & Nola J; prod mgr Thomas & Skinner hl230 N Parker Av " Edna Mrs retd hl525 E Sumner Av " Henry M & Ruby F h239 S Temple Av " Isabelle K acct Central Hosp hl722 N Livingston Av " J Evelyn Mrs retd h2309 Calhoun St " Jas D & Beverly J h2043 Glenridge Dr " Joseph T gear opr Allison's h4426 W 30th St " Kimberly M r239 S Temple Av " Larry A USN r2309 Calhoun St " Norman G & Anna M; formn Quaker Oats hl433 Charles St Minkarah Randa E h2305 E 58th St Minke Albert food proc Sexton Foods r214 N Tacoma Av Minkis Amanda Mrs cash Deer Creek Super Mkt hl015 N Centennial St Minks See Also Mink And Minx " Lucille M Mrs retd h544 N Parker Av " Ralph G & Phyllis J (J & R Real Est Mtce) h332 Wallace St " Wilbur D retd hl625 N Euclid Av Minnefield D D h4303a
- 51. Lakeway Dr MinnemanGeo J & Kathy A; mgr Ryan's Steak Hse h5310 W 30th St Apt C Minnemeyer Marie sec U S Bankruptcy Ct Minner J h4915 Caroline Av " Jeff A emp Restronics Of 1L h5768 N New Jersey St " Jos S retd h3249 Winthrop Av Minnesota Laundry Mat (David & Mrs Carol Alsup) 2008 E Minnesota St Minnett See Also Minet And Minett Minney Anthony studt h3506 Scarlet Oak Ct " Anthony J h6134 Laurel Hall Dr Apt 1 " Rosemary smstrs Redwood & Ross Mens Furnishings h4815 Winthrop Av Minnich See Also Minich And Minnick " G Bond r5418 Broadway St " Georgianne h5418 Broadway St " Linda A fraud agt Ross & Babcock h6199 N Delaware St Minnick Chris (Minnick Productions) " Judith R Mrs sec-treas Exhibit House lnc " Katherine A studt h3656 Green Ash Ct Apt 302 " Larry A & Judith R; pres & v- pres Exhibit House lnc " Margt L Mrs retd hl0117 Ellis Dr Apt A " Mary J Mrs retd hi 12 Miley Av " Pat A ofc sec Pierce Enterprises r7287 Lockwood La " Productions (Chris Minnick) photog's studio 6340 Ferguson St " Productions (Chris Minnick) photog 815V* Main St " Robt mgr Precinct Pub " Ruby V retd hl64 S Traub Av Minniear Arthella M Mrs retd h932 Lesley Av Minnigh Jeff h3801 N Meridian St Apt 1806 Minnis Doris I Mrs retd h5302 Carrollton Av Stella V Mrs retd h3941 Fletcher Av Minnix See Also Minix ' Bonnie J Mrs (Arnold's Tavern) h5601 Brouse Av ' Keith A elk Indpls Bell r5601 Brouse Av ' Lois M (The York Bar) r6505 Bar Will Dr ' M M Plumbing & Heating Co lnc contrs 4214 E Raymond St ' Nina emp Indpls Auto Auction r3012 Welch Dr Minod Clyde & Mille h6848 W 38th St Apt 2 Minon R H rl308 Central Av Apt 202 Minor See Also Meiner and miner " Ada N Mrs asmblr RCA h3229 Wash Blvd " Ann Mrs retd h2860 N Capitol Av " Beatrice M retd h2344 English Av MINOR " Beulah h765 Lockefield St Apt A " Bob h433H> E Wash St Apt 21 " Bobby L & Lendola h2873 N Warman Av " Bobby L Jr emp USNG r2873 N Warman Av " Brenda K Mrs sec bonder Merideth Bonding hl047 N Hamilton Av " Cardy M supvr Wishard Hosp h3366 N Drexel Av " Conine C Mrs retd hl337 Olive St " Don M USA r2873 N Warman Av " Dorothy L Mrs babysitter h3017 N Delaware St " E h3139 Guilford Av " Evelyn h807 W 25th St " Geneva E Mrs retd h848 S Belleview PI " Gloria D rl442 W Lynn Dr " Harry W & Pearly M; retd h609 E 37th St " James E emp Marsh Foods r2873
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