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The Law Serves You Legal Advice Has Role To Play In Your Home Improvement Plan So you are about to hire a contractor to have some work done on your house? If that is the case, warns the Illinois State Bar association, there are some legal steps you should take to protect yourself against shoddy work or from paying more than the amount you agree to. For one thing, you should know something about the law of liens, and the best place to get advice on that point is from your lawyer. AH too often, the ISBA says, people will sign a substantial home improvement contract, perhaps one running into thousands of dollars, while giving little thought to the legal aspects of real estate property improvements. One of those legal aspects is the Mechanics' Liens act, a law which gives any workman who makes improvements and each supplies of material used in the improvements to your property, the right to file a lien, or claim, against the property if he isn't paid for his services or materials. If necessary, anytime within two years after his work was done, presuming that his lien was properly filed with the County Recorder, the lien holder may foreclose the lien and perhaps force the sale of the property so that he may be paid from the proceeds. A workman who is a subcontractor has a similar right but must notify the property owner of the none- payment within a certain time period before he may file a claim for lien. Most homeowners, of course, think of hiring a contractor and paying for his work when it is done as a rather cut and dried affair. And, since most home improvement contractors are perfectly reliable people, it is usually just that. However, there is always the exception. Take the case of a Chicago woman. She wrote a check to the contractor for the full amount of the remodeling and redecorating work on her home, quite honestly presuming that her payment of several thousand dollars ended the matter, much to her surprise, a short time later she received a notice from the electrical subcontractor advising her that he had not been paid for his part of the job. To keep him from filing a lien on her property, she paid the electrical subcontractor's bill, even though her check to the CYCLONE IS COMING TO Jos.H.Huemann . & SONS WELL DRILLING contractor had covered his work. 'Of course, the woman sued the contractor in an effort to recover the amount of her overpayment, but had she sought the advice of her lawyer in the first place she would have been spared the trouble and the extra expense. Her lawyer would have points. First: Require the contractor to give you his affidavit -- a notarized statement - in which he lists the names of all of his subcontractors, their addresses and the amounts of their subcontracts. Second: Before paying the contractor, ask him to provide waivers from subcontractors waiving their rights to any liens in connection with the work that was done and containing waivers of lien from their material suppliers. Finally, compare the contractor's sworn statement to the waivers to be sure that all liens have been waived as to the amounts due or requested. That, of course, isn't the full extent of the legal advice to be had about home improvement dealings. A lawyer also would instruct his client as to protections against shoddy workmanship, ,work left undone, use of inferior materials or pnnecessarily protracted work schedules. In most cases, adequate guarantees can and should be written into the contract which, especially if it is a sizable one, should be examined by the lawye^ff not actually prepared by him. He would also give advice as to the timing and amounts of payments as the work progresses, assurances of proper performance and of the importance of public liability insurance to cover injury to others on the work site. - « Finally, one of the best guarantees of a job well done is the good name and reputation of the contractor himself. Make sure the contractor has an established place of business; ask him for references; go to the site to examine work he has done that is simil^- to what you have in mind, and perhaps check with the Better Business Bureau " or Chamber of Commerce to determine whether any complaints have been made against the contractor. As your lawyer would say, do this before you sign anything!_ Apologies to Jules Vernal "20,000 legs under the sea". Finding Security Many people do not properly plan for the retirement yean, and this ia unfortunate. But once retired, the starting point for surviving on a reduced income ia reevaluaUon. The first thing that has to be figured is the present and antici­ pated Income. Then you've got to figure out what the total "fixed" expenses are going to be. Rent, utilities and food are big items. Obviously, the only way to reduce rent, if it is too high, is to settle for leu than you now have. You can make small savings by being conserva­ tive with your use of utilities. Everyone knows food prices are high, but careful and wise shop­ ping can help you save at the supermarket Many retired couples complain PAGE; 17 - PLA1NPEALER In Retirement that~cooking and shopping for Just two people is difficult. A • closer look often reveals that many times the real problem is they have not learned to cook only a portion from a family- sized meal. Properly preserving leftovers for another meal is also a problem- Here are some quick tips to help stretch your food dollar: Always read newspaper adver­ tisements of supermarkets and small groceries, looking for the bargains and the values. Shop frequently to cash ln«» specials at different times of the week. Buy the small size can of • par­ ticular item only if it coats the same per unit (ounce or pound) as the larger sizes. Don't pay higher prices Just to avoid hav- WEPNESPAY. JULY M. aflfr ing loftovor* Ptasf year wmm> and if you be sue that Dm? looked on year mm TURN ONS DID YOU see ANY POVERTY ON YOUR WORLD CROLSE? NO, BUT I BttOUQW SOME BACK WFTHMC. V.A. NEWS EDITOR'S NOTE: Veterans and their families are asking thousands of questions concerning the benefits their Government provides for them through the Veterans Administration. Below are some representative queries. Additional information may be obtained at any VA office. A - I was separated from military service in April 1973. Am I eligible for Veterans Group Life Insurance issued by the Veterans administration? A - Probably yes. But under provisions of PL 93-289 (May 1974) which established this five-year, nonrenewable term insurance as of Aug. 1,1974, you must apply to VA for it within one year of its effective date. Q -- I understand the Veterans administration has plans for use of the powerful communication satellite launched in May from Cape Canaveral, Fla. Will you explain how? A - Briefly, the agency plans to use the spacecraft and 10 of its hospitals to explore for 11 months new methods of e x c h a n g i n g m e d i c a l information for education and clinical purposes. Q - What's this "Man on the Campus program" I keep hearing about? A - It's an all-out effort by the Veterans administration to insure prompt delivery of GI Bill educational assistance checks, and otherwise "trouble shoot" other problems which arise on college campuses between the veteran, the school and the VA regional office. Veterans benefits counselors, veterans themselves and called "vet-reps," will function as expediters, assisting veterans in the program which begins in fall 1974. 't.v WHOLE BEEF Sweepstakes j WIN A QUARTER OF BEEF limply HH aut rtth slip and dape*lt H at any at faHawInf Henuby family Cantor lac attain: MOCKS RRINCfTON: HAVANA: McMSHSY; YORKVIU1; PONT1AC: WOOOSTOCX. • NEW DRAWING EACH WEEK tfcll 4 WEEKS • Sack «* tha afcvv* iXm wll f away a wtiafe haaf A qwartar at baaf oil ba drawn (ar an aech of tka Mlawlnf twndayt -- IS Quartan -- 7 WHOII SHft MOM A TOTAL OF 7 STORM HORNSBYS f a m i l y centers -- FANTASTIC SAVINGS! SUMMER FABRICS ;»£*• bri 7 •0^ "L&I . r*o •,'#4 •TO | M ' M? ; >>:}(• i ,oW •jtHi IP$ ibi vsr44.ni That's right I % off regular prlc* on our summer fabrics 1 Thore's plonty of summer left to start to enhance your wardrobe. Choose from double knits, dress fabrics, sportswear blends, suitings, and more. There's solids, checks, plaids, prints, florals to choose from In bright summer colors and pastels. Widths of bolt material 45" to 60" -- sew, a little goes a long way. FRONT QTR • A»a. II; NINO QTR R Au| IS: HIND QTK I mm* 1 I name I ADDRESS j CITY I PHONE L NEW DRAWING -- NEW WINNER WEEKLY. DEPOSIT AT HORNSSY FAMILY CENTER. WINNER WILL SE NOTIFIED SY PHONE m NOTE: Beef to be given sway in hanging wt. quarters. Front Qtrs. avg. 155 to 160 lbs. Hind Qtrs. avg. 145 to 150 lbs. Hanging Weight. U.S. Choice Beef K U.S.D.A. Prime Cut, 100% guaranteed by Jones Locker, Woodstock, III. £6 essence shampoo w Herbal Essence Shampoo 16 oz. Final Net 12 oz. 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