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I PG. 12 - PLAJNDEMER -WED. SEPT. 10, 1969 The Properly Tax Illinois is one of the few states where the greatest portion of the revenues for local governments comes from the property taxes, according to statistics for 1966, the latest available year for such information from all states. Most of the assessing of property for taxation purposes in Illinois is done by elected local assessors from some 1,424 assessing areas. The legfcl assessment standard in Illinois ac­ cording to statute is 100 per cent of fair, cash value. For all practical purposes this standard is around 55 per cent of true value, because the State Department of Revenue issued county multipliers of 1 for the current quadrennial period if county assessments on the average were around this level pf assess­ ment. In this regard, Illinois, according to 1966 statistics, is one of the few states that reaches a level of 40 percent or more; most of the> states are below this level, falling into av­ erage assessment ratios to full value of 25 per cent to 40 per cent, 15 per cent to 25 per cent, and less than 15 per cent. Again using the 1966 comparison figures, the gross as­ sessed value of property subjecUto local property taxes in Ill­ inois was $39,848,000,000, and it can be further broken down as follows: State assessed, $1,207,000,000, or about 3 per cent; locally assessed, $38,640,000,000 or 97 per cent. The big item in locally assessed property is real property, as it amounted to $31,072,000,000 or 78 per cent of the local assessors' total valuations -- personal property amounted to $7,568,000,000, or 19 per cent of their total valuations. Within the 3 per cent figure assessed by the state are the assessments of railroads, utility and private car line properties. The question is often asked, "Of the total property tax picture, do residential properties provide much of the revenues?" According to the 1966 figures, the answer is a resounding "yes* . Of the total, $39,848,000,000, residential non-farm properties accounted for $17,381,000,000, of which $13,604,000,000 came from single family houses only. Acreage and farms accounted for $5,475,000,000, vacant lots, $650,000,000, commercial and industrial properties, $7,305,000,000. Only two states exceeded Illinois in the assessed value of commercial and industrial prop- erty^N'ew York, $19,293,000,000, and California, $7,706,000,000. \ The property tax has been here a long time, will be here for many years to come, but it certainly can be made more equitable. Marketing Problem One of the baffling problems of marketing is deciding on the optimum amount of advertising for a particular business. The answer is a different one for every retailer. Adver­ tising results are governed by so many diverse factors that not even the most sophisticated computer can supply reliable es­ timates on how much advertising a merchant should do. The percentage of expected gross sales which should go into advertising varies with the nature of products, the location of business, methods of sales, delivery services, the quality of advertising and media, and other factors. Some types of local retail outlets which handle non-per- ishable goods find that advertising budgets of two per cent of gross are adequate to maintain expected customer traffic. Some specialty retailers selling exclusively by mail must spend over 50 per cent of gross income on advertising. Because of changes in selling and distribution methods, most successful retailers find it wise to increase advertising budgets from year to year. Modem merchandizing techniques cannot be efficiently utilized without reliance on advertising for thorough pre-selling. Although exact figures cannot be given on what a particular retailer should spend for advertising, a rule proposed by one sales manager should apply to any business: "The optimum amount of advertising is that which will bring maximum service to the consumer arvcPmaximum net profit to the seller." © OPEN SUNDAY f o~ On th« North Shor* of Long L«h« j WOLLINS WOAF] P. O. Inflnidt. Illinois § $ 8 m Social Security QUESTION BOX BY JIM JANZ FIELD REPRESENTATIVE Today's questions are ones frequently being ask­ ed of our representatives by the people of Mc Henry county. The Social Secur­ ity office at 2500 Grand avenue, Waukegan, re­ minds McHenry county re­ sidents that it has repre­ sentatives meeting people at two locations in McHen­ ry county on a regular ba­ sis. The representatives are at the Woodstock Pub­ lic Library, 414 W. Judd, Woodstock every Wednes­ day from 9 a.m. to noon and at the Harvard city hall from 9:30 a.m. to noon on the first and third Tue­ sday every month. If you have a question you would like answered on Social Se­ curity in this column, then please forward it to Social Security Administration Question and Answer Col­ umn, 2500 Grand avenue, Waukegan, Illinois, 60085. Give your full name, ad­ dress, and Social Security number. If you do not want your name to appear, please indicate this and we will use only initials. Question: A friend told me I could not file for disability benefits until after I was off work six months. Is that in­ formation correct? Answer: No. While there are no payments payable for the first 6 months of your disability you may file immediately after you become disabled. In fact it will usually speed up payment to you if you do file early. Question: I will soon be age 65 and ready to retire. I have raised my granddaughter from infancy but have never adopted her. jCan I receive a social security check for my grand­ daughter since she is still un­ der age 18? Answer: Your grandchild is not eligible to receive monthly benefits based on your work un­ less you legally adopt the child. Question: Does the rental in­ come from a small house that I own and rent out count to­ wards the $1680.00 I can earn in a year while collecting so­ cial security retirement ben­ efits? Answer: No. Rental income is not counted in figuring your earnings for the year. Inter­ est on savings and dividends on stocks and bonds is also ex­ cluded. Question: My wife was killed in an accident at the age of 22 in 1967. A friend recently told me that monthly benefits from Social Security are payable for my 5 year old daughter. Is that correct? Answer: If your wife worked and paid Social Security con­ tributions for l^yearsor more, benefits should be payable. For complete information on this situation contact your Social Security office immediately. Question: I have been sick off and on for the past ten to twelve years and sometimes lost work as a result. I became totally disabled in May of this year. How much work do I need to be able to receive social security disability payments since I am 52 years old? Answer: You need to have credit for 5 years of work out of the 10 year period just be­ fore you became disabled. Question: I drew Social Se­ curity until age 18 due to my father's death. I then spent 4 years in military service and am now ready to go to college. Can I draw social security stu­ dent benefits? Answer: Student benefits are payable from age 18 to age 22 to unmarried, full-time stu­ dents. If you are past age 22, student benefits from Social Security are not payable. Question: I worked several years ago and paid Social Se­ curity. I have over 40 of the credits. What is the minimum benefit now payable to me at age 65? . Answer: If a worker applies for payment beginning at age 65 the minimum benefit is $55 a month. Question: Is it true that a per­ son should sign up for Med­ icare before he is age 65? Answer: Full Medicare pro­ tection can begin with the first day of the month in which you reach age 65. You should con­ tact your Social Security office two or three months before you are age 65 to insure that your protection starts at the earliest possible date. Question: I am a widow and I live several miles from the So­ cial Security office. I have no means of transportation. How can I get my widow's claim filed? Answer: Write or telephone your Social Security office. The people there will help you file your claim. fVmliiqf p McCLORY REPORTS From W ashington The Welfare plan proposed by President Nixon is designed to return most welfare recipients to useful employment. The $4 billion package announced by the President would place a floor under welfare payments to apply nationally - the fed­ eral contribution for a family of 4 to be $1,600 per year. The Nixon plan follows in part a pattern established more than two years ago by the U.S. Congress ( and never imple­ mented) to require welfare re­ cipients to seek employment or, if unskilled, to receive job training. In order to encourage employment, a family of four would be entitled to receive welfare payment and supple­ mentary income totalling al­ most $4,000 annually before becoming disqualified for fur­ ther relief. The highly controversial and much criticized program, "Aid to Dependent Children" (ADC), would be dissolved with ADC cases being absorbed into the overall federal welfare pro­ gram. Under the existing ADC program, (administered by the states) a family of 4 receives $39 per month in Mississippi and as much as $260 per month in New Jersey. This great dis­ parity between the states has induced many welfare recip­ ients to move from place to place in order to receive the maximum welfare benefits. Some may describe the fed­ eral program, with its mini­ mum family benefits, as a guar­ anteed annual income. On the MENTAL HEALTH MATTERS Stanley F. Yolles, M.D., Director National Institute of Mental Health other hand, the plan proposed by President Nixon should go a long way toward relieving hunger and malnutrition as well as other forms of poverty. Al­ so, the President has proposed educational and job training programs intended to remove from the welfare rolls all but those who are unemployable be­ cause of physical or mental han­ dicaps. That part of the program which guarantees annual wel­ fare payments will gain wide public support from the so- called "liberals". On the other hand, the educational, job train­ ing and other aspects designed to encourage individual employ­ ment, will appeal to the "con­ servatives." What will disturb many is the overall price tag which may exceed $4 billion during the first few years. But after that the cost should go down as the effects of the program are felt-- and the welfare recipients grad­ ually become self-supporting citizens. SPOTTING HIGH-SCHOOL DROPOUTS EARLY MAY BE POSSIBLE The earlier the diagnosis (or finding) of a condition, the better is the chance of effec­ tively doing something about it. This may be true in the in­ stance of early spotting of po­ tential high-school dropouts, according to recent research studies at the Mental Health Study Center of the National Institute of Mental Health. Potential dropouts can be spotted as early as sixth grade by analyzing existing elemen­ tary school records. Dr. Dee N. Lloyd of the Center has found. By analyzing such items as grades, achievement and test scores, and attendance, it is pos­ sible to predict the children who will graduate, those who will not, and the grade levels at which the dropouts will oc­ cur. "The significance of these findings," Dr. Lloyd says, "is the fact that it is now possible to predict dropouts at so early a grade level. "Most attempts to identify dropouts and intervene with remedial programs have been in the ninth grade. By that time, it may be too late to reverse the pattern of failure for many of these children." The NIMH study, which had two phases, analyzed the rec­ ords of 632 high-school drop­ outs and 1,854 high-school graduates. The records from sixth grade of both groups were compared on achievement test scores, * course marks, amount of ab­ sence, educational level of par­ ents, and family characteristics. In one phase of the study, dropout or graduation was cor- 'rectly predicted for 75 percent of the students. At the time they were in sixth grade, future dropouts were older than class- DEADLINE NEAR TO APPLY FOR SERVICE SCHOOLS Congressman Robert Mc- Clory (R-12th) has announced that high school seniors inter­ ested in service academy ap­ pointments in 1970 should ap­ ply for nomination before Sept. 15. Applications for admission to the United States Army, Navy, Air Force, and Merchant Mar­ ine Academies may be obtained by writing to Congressman Mc- Clory at 426 Cannon House Of­ fice Building, Washington, D.C. 20515, or by telephoning AC 312-336-4554. To be eligible for admission, an applicant must: Be a citizen of the United States. Be at least 17, but not have passed his 22nd birthday by July 1 of the year of admis­ sion. Have a good high school rec­ ord, normally standing in the top 40 percent of his high school class. Meet the medical standards of the Academy, including a normal requirement for 20/20 vision. (Waivers may be grant­ ed to applicants with outstand­ ing records in certain instan­ ces.) Never have been married. Be of good moral character. Admission standards are high. Young men who believe that they meet these standards and are interested in a career as an officer in one of the ser­ vices, should write to Con­ gressman McClory at once. Sign Up For U.S. SAVINGS BONDS jriTrrrmni n»ik rum i ririi 1111111 • r»» For Your Information Dear friends, Punctuality is of prime importance in a funeral service. This essential respect is due the deceased. The service should start promptly at the hour set. We have always had cooperation from the clergy, musicians, and others identified with the service. Families, too, are invariably ready when our cars calL Promptness helps to provide a respectful, dignified, funeral service. Respectfully, McrUnry, Illinois PETER M.JUSTEN & SON FUNERAL HOME 38MJ063 Are Yov New IN Town? Do You Know Someone New In Town? We would lik« to extend a welcome to every nowcomor to our community. CALL Cris Fail 385-4084 Fran Olsen j 385-5740 ] Joan Stull • 385-5418 : Ann Zeller - 385-0559 i " *»* • • • • • ROYAL WELCOME mates, levels of often froitk absent lower me nts with lower ion, came more homes, were r days, and had "* achievement in reading, arithmetic, and lan­ guage skills. The second phase of the study sought to find the combination of variable factors which would predict the grade levels of the dropouts. Measures of educa­ tional and occupational level of parents and other family char­ acteristics were found to be not especially significant. Several other measures out of a total of 21 had consider­ able significance. These varia­ bles were: student's age, marks in reading and science, general grade averages, and reading and arithmetic test scores. The findings have possible use especially in school systems using computers to handle pupil personnel records. Dr. Lloyd is pursuing the studies and sees some possibility of predicting dropouts as early as third grade. Cttffjforrri*aMWTTISmove"/ IN ANCIENT COWL, FUNDS FOR ROADS WERE RAISED BY NAMING MILE POSTS AFTER GENEROUS CONTRIBUTORS TORO^ IBVN*;/' CAN I HELP IF THAT'S WHAT MV PARENTS NAMED ME* @NE OF "me EARLIEST KNOWN DESIGNS FOR A "FLYING MACHINE' SHOWED GIANT VULTURES HITCHED TO A BALLOON THE BROTHERHOOD OF RAILROAD TRAJNMEN. NOW PART OF THE UNITED TRANSPORTATION UNION WITH 2SO.OOO MEMBERS, HELD ITS FIRST NATIONAL CONVENTION IN THIS TINY CABOOSE ONEONTA, N.Y , IN T£85. |N ONE DAY AMERICAN MOTORISTS DRIVE MORE THAN 500.000 000 MILES B i.soo.000.000 MILES C. 2.OOQOOO,OOO (WILES 3 uno ffcSSl OPTOMETRIST Dr. John F. Kelly At 1224 N. Green Street McHenry (Closed Wednesday) Eyes Examined Glasses Fitted Contact Lenses Hrs. Daily 9:30 a.m. to 5 p.m. Friday Evenings 8:30 p.m. Evenings by appointment PHONE 385-0452 Dr. Leonard Bottari Eyes Examined - Contact Lens Glasses Fitted 1303 N. Richmond Road Hours: Mon., Tues., Thurs., Fri. 4:00 p.m. to 6:00 p.m. Tues., Thurs., & Fri Eve. 7 p.m. to 9 p.m. Sat. 9:30 to 3:00 p.m. No Hours on Wednesday PHONE 385-4151 If No Answer Phone 385-2262 OFFICE EQUIPMENT McHenry County Office Machines Sales-Service & Rentals Typewriter* -Adders Calculators Mon. - Sat. 9:00 - 5:30 Friday 'till 9:00 p.m. PHONE 459-1226 93 Grant St., Crystal Lake, 111. METAL WORK Schroeder Metalcraft For Home and Garden Wrought Iron Railings Fireplace Screens Antiques 1705 S. ROUTE 31 PHONE 385-0950 INSURANCE Earl R. Walsh Fire, Auto, Farm & Life Representing RELIABLE COMPANIES When You Need Insurance of Any Kind PHONE 385-3300 or 385-0953 3429 W. Elm St., McHenry, 111. George L. Thompson General Insurance •LIFE •AUTO •HEALTH •FIRE •CASUALTY •BOAT Phone 815-385-1066 3812 W. Elm St., McHenry In McHenry Plaindealer Bldg. Dennis Conway AUTO, LIFE, FIRE STATE FARM INSURANCE COMPANY 3315 W. Elm St. McHenry, Illinois 385-5285 or 385-7111 LETTER SERVICE Mimeographing - Typing Addressing - Mailing Lists McHenry County Letter Service 1212 -A N. GREEN ST. PHONE 385-5064 Mon. Through Fri. 8-5 p.m. Closed Saturday ACCOUNTANTS Paul A. Schwegel 4410 West Route 120 McHenry, Illinois PHONE 385-4410 V A u