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PAGE 16-PLAINDEALER-FRIDAV^ JANUARY 26, 1973 The Law Serves You Joint Tenancy Bank Account Can Be a Source of Trouble There are few more popular forms of joint ownership of personal property than the account in a bank or savings and loan association that is held in joint tenancy but, according to the Illinois State Bar association, many depositors are not fully aware of the legal significance of such accounts. Generally speaking, the ISBA says, joint tenancy means that each joint tenant has the right to withdraw the funds in the joint account at any time and that upon the death of one of the depositors, the survivor takes all. The question that the bar group says comes up frequently is whether the joint tenants, perhaps especially the one who deposited most of the money, really had what the law calls a "donative intent," meaning that upon deatfi, he or she wanted the surviving joint tenant to get all the money to the exclusion of the deceased's heirs. The Illinois Supreme court has ruled that the explicit right of survivorship as stated in the joint tenancy agreement dc indeed bestow upon J£\&s£ur- vivor full right to the funds in the account unless there is sufficient, clear and compelling evidence to the contrary. That was the position taken by the court in one of its first decisions in a joint tenancy dispute. It means that in at least some cases, relatives who felt entitled to share in an account did not do so. In other cases, however, the court has ruled that the account should be made part of the deceased's estate, rather than go to the surviving tenant. Hei/e is how the court ruled in some! cases: Fearful that he might becomkill and need someone to withdrawsmoney for him, a mafl created a joint tenancy account witnNa friend, ex­ plaining his reason for doing so. When the man/died, the friend claimed the /balance in the account as his own even though the deceased] had made all the deposits. However, from testimony given the court ruled that thepe was no "donative intenjx on the part of the deceased and placed the ac- int in his estate. As a matter of convenience, a mother was in the habit of creating joint accounts from time to time with one daughter or the other, who then made withdrawals and deposits for the mother. At her death, the daughter who happened to be the joint tenant was not aware of her rights as survivor until informed of them. In a court test, she admitted she had always thought of the money as belonging to her mother. The court awarded the account to the mother's estate. A sister induced a brother to place his money in a joint ac­ count with her because of his drinking problem. She then withdrew the money and placed it in an account of her own. The brother sued, contending no gift was intended. The sister contended that it was a gift but conceded that she felt it was his money. The court agreed and restored the account to him. In another case occurring during the life of the joint tenants, a wife withdrew all the funds from a joint account with her husband. The court held that while the joint tenancy agreement did give her the right to make full withdrawal, a court of equity could compel her to restore the funds, especially since the money had been supplied by her husband. Because of the problems that can arise, the use of a joint bank account to substitute for a will should be approached with caution and in consultation with an attorney, the ISBA said. There's no way to econo­ mize without doing without something. IvrTTTf'iTTTTTTTTTTTTT' How Can I? [jTTTTrmi.f.i.i.ixmjx By Anne Ashley Q. What can I do about gouges in painted wood sur­ faces? A. If the gouge has paint in it, fill the hole with spackle, sand smooth when dry, and apply paint. If the gouge has no paint in it, brush linseed oil on the bare wood, and fill the gouge with putty. Paint when the surface hardens. Q. How can I prevent Chinese and Indian matting rugs from yellowing -- bamboo curtains, too? A. Cleaning these with salt water is usually effective deterrent to yellowing. Q. What is wrong if a faucet begins to drip again soon after I have installed a new washer in it? A» Chances are that the seat against which the washer presses has become damaged in some way, isn't water-tignt and needs re-grinding or replacing. There are special kits and tools for this purpose in hardware or plumbing houses. Q. How can I clean wrought iron fixtures? A. By rubbing with a woolen cloth moistened with any thin oil, such as paraffin or kerosene. ' Q. How can I deal with the crease left in a skirt or dress by a former hemline? A. By sponging over the hem crease with a mixture of two parts white vinegar and one part water, then steaming it. This works wonders on woolens as well as cottons. Q. How can I clean soiled parchment lampshades? A. Dip a soft cloth into milk and rub this over the shade until it is clean.Then wipe dry with another soft cloth. Q. How can I clean bone or ivory cutlerv handles? A. By rubbing on a paste of whiting and lemon juice, allowing this to dry for a few minutes, then rinsing and polishing. Q. What is an easy way to stain unfinished picture frames? A. Simply by rubbing some I How does The News-Sun cover Lake and McHenry Counties? The News-Sun's new and expanded regional section is reporting on every major area of Lake and McHenry County every day. No matter where you live you will find local news in our INSIDE/OUT section; Five reporters, six correspondents and the News-Sun photographic staff have been assigned to communities in both counties, and we hope you will get to know them by name. Feel free to call the reporter in your area whenever you have news items, features or possible photographs of interest. We hope to hear from you soon. ©re Netos-Sun ^ LAKE COUNTY'S DAILY NEWSPAPER McHenry and Round Lake Boots Davis / 689-6933 Antioch, Lake Villa, Lindenhurst and Venetian Village Linda Picone / 689-6965 Libertyville, Mundelein and Vernon Township Bill Choyke / 689-6962 Gurnee, Wadsworth and Newport Township Doug Weatherwax / 689-6934 Lake Zurich, Wauconda, Island Lake and Fox Lake Bill Bolotnik / 689-6935 for convenient home delivery call 689-6800 paste snue polish of the desired hue into the frame. L£t this dry, then shine with a rag. Q. Is there any feasible method to mend broken chalk pieces? ^ A. Try rubbing some canned evaporated milk on the broken ends with your finger, then sticking them together. Q. How can I make some fingerpaint for my children? A. By boiling some laundry starch and a few soap chips to a paste, tinting with food coloring, and adding a small quantity of glycerin to keep the mixture moist. Place each color in a separate bowl. Q. How can I make the driving of screws into hard wood easier? A. By lubricating the screw beforehand with ordinary soap or some shaving cream. Q. How can I prevent frost on my windows during the wintry days".' A. By rubbing some alcohol or salt water on the outside of the glass, then polishing over this with some newspaper or dry cloths. Legal Notice LEGAL NOTICE Sealed Bids will be receiveu by the McHenry Township Road District at 3703 N. Rich­ mond road on or before Feb. 6, 1973 for a 1 ton dump Truck. Specifications may be secured at the Township Road district office, 3703 N. Richmond road. Bids will be opened by township clerk at 10:00 A.M. on Feb. 4, 1973. The McHenry township road commissioner reserves the right to reject any and all bids or to waiye any informality in any bid and to accept any, considered advantage to the McHenry township road district. Clarence Regner Commissioner McHenry township Road District (Pub. Jan. 26, 1973) Strange Helen-Isn't it odd how many people are suffering;, from head colds this winter/. Dorothy-- Yes,it is rather strange how this little germ can always seem to find our- weakest spot. The Bible Speaks Virgje L. Chappell, Pastor First Baptist Church, McHenry COVENANT Are Christians supposed to make promises to God? Are there situations in life in which one should consider all possible courses of action and then make commitment to God to follow only one? Many persons say it is wrong to vow to God. The Bible does not uphold this concept. Instead, the seriousness of making vows is emphasized and the keeping of those vows which have been made is impressed. "When thou shalt vow a vow unto the Lord thy God, thou shalt not slack to pay it; for the Lord thy God will surely require it of thee: and it would be sin in thee," Deuteronomy 23:21. Also Numbers 30:2 and Ecclesiastes 5:4. It is often interesting the truths we can learn about God from the commandments which He gives to us. For example, we could assume from the above scripture that a vow made by God to man would most assuredly be carried out. God covenanted with Noah (Genesis 9:15) that "the waters shall no more become a flood to destroy all flesh," "and the bow shall be in the cloud; and I will look upon it, that I may remember the everlasting covenant bet­ ween God and every living creature of all flesh' that is upon the earth." (Genesis 9:16) God's promise to Noah was "everlasting". There were other covenants or vows which God made with people. But the Bible begins to speak of a new covenant. God entered into covenant with the human race, through such men as Noah and Abraham but there is to be more. Speaking through the Prophet Jeremiah (500-600 B.C.), we read, "Behold the days come, saith the Lord, that I will make a new covenant with the house of Israel and with the house of Judah." (Jeremiah 31:31) We see that new covenant being established and fulfilled in the person of Jesus Christ. Jesus Christ said, "For this is my blood of the new testament (covenant) which is shed for many for remission of sins." (Matthew 26:28) In the New Covenant we see a new relationship between God and man. There is an intimacy established which was experienced only in isolated experiences before Jesus Christ, if at all. "For this is the covenant that I will make with the house of Israel after those days, saith the Lord: I will put my laws into their mind, and write them in their hearts; and I will be to them a God, and they shall be to me a people." (Hebrews 8:10). Any covenant (will, contract, testament) must have an executor. These must be some person to see that all conditions of the contract are kept to the finest detail. "And to Jesus the mediator of the new covenant, and to the blood of sprinkling, that speaketh better things than that of Abel." (Hebrews 12:24). We see Jesus Christ has become executor of God's New Covenant. Complete confidence may be placed in God's covenant and His mediator, Jesus Christ. "For ye know that ye were not redeemed with corruptible things, as silver and gold, but with the precious blood of Christ, as of a lamb without blemish and without spot." (I Peter l: 18,19.) HIS CUSTOMERS CALL HIM "KEMO SABAY" BECAUSE OF GREAT DEALS LIKE THIS. AUTO. TRANS. RADIO WHITEWALLS DODGE COLT. $2395 For a little car, it's a lot of car. Colt coupe comes standard with an overhead cam Hemi engine, adjustable steering column, front disc brakes, and flow-through ventilation-- just to name a few. Come see it. SUNNYSIDE DODGE OPEN Daily 9-9 Sat. 9-6 • Sun. 10-5 4810 W. RTE. 120 815-385-7220 McHENRY k