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r^AGE 15 - PLAINDEALER-FWIDAY, FEBRUARY 14, 1975 REAL ESTATE J O H N H UHLER R E A L E S T A T E C O Condomlnimms for rent and Tor sale. Also 3 bed­ room home for rent. 3bed- room new home $31,750.00 "385-3250 or. 459-1000 ~-7Tf?-2 > FOR SALE BY OWNER New 3 bedroom ranch, cen­ tral air. 2 ceramic baths wall to wall carpeting, full basement, finished garage, Large lot, McHenry area. Conventional mortgage or Sale on contract available CALL 815-385-6566 or 344-0748 . Z-7TF-Z T. P. MATHEWS, REALTORS Your GALLERY OF HOMES Regional Representative Gallery of Homes is a national referral Service having 1,300 otfices and 15,000 Sales Representatives for the convenience and benefit of both buyers and sellers. McHENRY AREA - 2-3 Br. brick ranch on almost 1 acre, A-I condition. Large kitchen w/wood cabinets att. garage. Just reduced $33,700.00 SUNNYSIDE - Sharp 3 bedroom raised ranch on corner lot large kitchen with dining area, family room, 1V2 baths, 2 car garage, $37,500.00 LAKELAND PARK - 3 bedroom, 5 room cedar sided ranch. Custom built. Only 2 years old. Large kitchen w/dining area. $28,500.00 WONDER LAKE - Sharp 6 room ranch, large livuig dining area, paneled den, wood cabinet kitchent, tile bath", fully carpeted, attached garage. Close to pvt. lake. Only $26,900.00 WONDER LAKE - Long white ranch, 3 ample bedrooms 2 baths, oversize two car garage, large corner site $31,900.00 WONDER LAKE - Builder's Model- 3 carpeted bed­ rooms, large living room family size kitchen, dark wood cabinets, tiled bath, full basement, 2 car garage. Paved drive, Ready to go $37,900.00 T. P. MATHEWS, REALTORS 7314 Hancock Drive 4803 Northwest Highway Wonder Lake, III. Crystal Lake, III. 815-653-2061 or 815-459-4800 or 815-385-6341 • 815-459-4801 2_14 ROOM TO LIVE - Four bedroom, aluminum sided raised ranch. Very large, carpeted living room, family room with wet bar, 2 full baths, 2 car garage, creek- which runs behind your back yard. Plus More. . $37,500 ROOM GALORE In this spacious central air condit­ ioned, 5 bedroom brick and aluminum home. Fire­ place enhances a large carpeted living room, The brick 2V2 car garage with electric door opener is per­ fect for your cars, storage and hobbies. Lake and River Rights. . /. . . Only $43,500 EXCEPTIONAL COUNTRY HOME on 8 acres-stream pond site, stable, vaulted livingand dining room ceil­ ings 3-4 bedroom, country kitchen, family room with unique Mexican Cactus Stone Fireplace. . . . $94,750 NEAT AND CLEAN- Lovely 3 bedroom home is just what you've been looking for. If you want comfort and a place to call your own. Fully carpeted through­ out, New Bath, completely finished family room in base­ ment. Central air with Electronic air filter and many other extras $28,500 WELL BUILT CEDAR AND STONE RANCH close to town on large lot. Plenty of living area which includes 3 bedrooms, living room with fireplace, formal dining room, large family room and kitchen with pantry, plus attached garage. Nicely landscaped yard with shuffle board area/ $41,900 A LOT OF HOUSE FOR THE MONEY - Here is a 3 beclroom ranch "with full basement, formal living room, nice size kitchen, and 1 car garage; with as- sumable mortgage.. All for only $26,900 A HOME THAT HAS EVERYTHING - Two levels, two fireplaces 4 bedrooms, unique kitchen, Dining room, living room, heated workshop, and garage combination study, and complete family room with bar. There's much more for only $51,500. CHANNEL FRONT CUSTOM BUILT HOME - Brick & lannon stone ranch in good area. A three bedroom home with a good floor plan which lends itself to cozy living. Family room with fireplace, enclosed porch & roof patio fronting on channel. All appliances stay. Grounds well landscaped $41,500 COUNTRY LIVING AT ITS FINEST! ! Immaculate 6 room ranch on approximately one acre in Crystal Lake Countryside. Sunken living room, formal dining room, kitchen with breakfast area all make this a most enjoyable home. Full basement includes 20 x 24 finished family room, attached garage and central air conditioning Only $39,500. WHITE OAKS BA" COUNTRYSIDE - Stunning country French 8 room home of rough sawn decar and cedar shakes on 2.8 acres in picturesque setting. Double door entry into charming living room with 12' ceiling separate dining room; family room with fireplace off custom kitchen which has everything. Master bedroom has its own deluxe bathroom with Jacuzzi Whirlpool built into over-sized tub. Full basement and 2% car finished garage. Central Air. Good snowmobiling area. Adjacent site available $82,500 IN McHENRY across from HORNSBYS. 4307 WEST ROUTE 120 .« PHONE 815 385-690Q OPEN WEEKNIGHTS TIL 7 PM WEEKENDS 5:30 PM Burnes BROTHERS, INC. 2-14 IN CRYSTAL LAKE 6315 ROUTE 14 PHONE 815 459-5400 IN WOODSTOCK 209BENTON ST. PHONE 815 338 3>61 Maternity clothes have made a great change during the past ten years. Time was when women stayed out pi public as much as possi­ ble and wore left overs from larger members of the family -but no longer is this true. New styles are attractive and made so that they can be used up to the time the baby is expected. Colors, prints and a variety of styles can be seen in the maternity departments or shops. * * * * No community will grow and develop when its people are envious of each other. The Law Serves You Lt • ti>» » » » •• • j| Credit Card-Itis: Some Basic Facts To Keep You Solvent The day is coming, speculate top-notch financiers, when only a few oldtimers will remember the feel of good, cold cash. Thanks to an increasingly credit-oriented world," a new economic life style has been born which foregoes the ex­ change of the traditional greenback for the basic necessities of food, lodging and clothing. Instead, the head of the household now tends to "buy on time" or in deferred payments. Then, as the bills arrive, he simply pays by check, drawing funds from an account in which he's deposited not cash, but his salary check. The Illinois State Bar association recommends that you know the credit laws before you are swept up in "credit carditis." Under Illinois law, a credit card is simply any plate. coupon, book, card or other credit device, or a number or, other identifying description which is issued for the purpose of obtaining property, labor or services for a deferred payment. Some people complain about receiving unsolicited credit cards through the mail from various companies. According to ISBA, the recipient is not chargeable for use of the card as long as he does not use it or authorize its use by another party. The undesired card should be either destroyed or returned to the sender. The introduction of "revolving credit" provided yet another area to be defined and regulated by law. Under this credit arrangement, the lender may from time to time make loans or advances to the account of the debtor through the means of drafts, items, orders for the payment of money or evidences of debt signed i by the debtor or someone authorized by him. The lender then bills the debtor on a regular basis. Under a revolving credit plan, the law provides that the lender may collect interest not in excess of l1/* percent per month on either the average daily unpaid balance of the principal of the debt during the billing cycle, or of the unpaid balance of the debt on ap­ proximately the same day of the billing cycle. In addition to the interest charge, a lender may also collect a charge of 25 cents for each transaction in which a loan or advance is made under the revolving credit. Instead of this additional charge, an annual fee not exceeding $20 may be made for the privilege of using the credit. THE' GOOD V0R9 from the tfible Love justice, you who judge the earth; think of the Lord in goodness and seek him in integrity of heart; be­ cause he is found by those who test him not, and mani­ fests himself to those who do not disbelieve him. Book of Wisdom 1:1,2 Overdue Account One definition of a bank: That safe, secure institution where you keep the government's money un­ til April 15th. HOME FEDERAL SAVINGS Now HOME FEDERAL PAYS HIGHEST INTEREST WITH INSURED SAFETY PASSBOOK SAVINGS CERTIFICATES Interest paid daily from Oay-ol-D«po>it to Day-of-Withdrawal. 11 Vaar. f1,000 or mora. Minimum 2% Yaara. S1,000 or mora. 6Xi e% Compounds to 5.39% 90 Day Notica. Compound* to 6.81% Compounds to 7.08% Minimum 4 Yaara $1,000 or mora. Minimum •• Yaara 11.000 or mora Compound* to . •ITEPP 5% PER YEAR TA Compounds to 5.92% % PER mm YEAR Compounds to 7.90% VALUABLE FREE CUSTOMER SERVICES • Free Notary Service • Free Payroll Check Cashing • Free Monthly Income Checks • Free Photocopy Service • Free Transfer Savings Plan • Tax Free Pension Accounts (Keogh and IRA) • Free Transfer of Funds • Free Save-by-Mail Kits (Postage Paid Envelopes) m,wd.vi .nir.». $100,000 or more is Negotieble No one pays you more on any comparable savings plan. Home Federal offers to transfer your funds free from any other bank or savings institution. Accounts insured to $40,000 by the F.S.L.I.C. Home Federal has never lost a single penny of any saver's money in 92 years of business. For «ny withdrawals before maturity 0 DEPOSIT $100 OR MORE AND TAKE HOME YOUR CHOICE OF THESE VALUABLE FREE GIFTS FREE GIFTS FREE Genuine Cheeie Crock comes tilted with Wisconsin s tinest Deposit S250 FREE Tootsie Roll Coin Bank filled with miniature Tootsie Roll candies Deposit S100 Tootsie Roll { FREE1 Vailnth 1 and 1 qi ituitlMi Food Stooge Bowls Plastic lidi Deposit J100 Handy 7 piece Ekco Kitchen Utensil Sel Deposit 1250 FREE West Bend gl Singinq Tea Kettle Oeposil S?50 FREE Ekco Ovei the Sink Cutting Board otters extra counter space Deposit S?50 FREE Old fashion glass candy |ar comes litlid with color tut candy Deposit St00 FREE wo Fieldcrest Patterned Pillow Cases Oeposit $250 FREE Serene Pillow washable and machine dryable allergenic Deposit S1000 FREE Solid Walnut Serving Tray comes with its own cheese kmle Deposit SI000 FREE Two Fieldcrest sheets and two matching pillow cases Deposit $5000 Ekco 9 piece FREE1 FwWcrnt 2 Ik Blanket tor twin or lull bed Machine washable Deposit $1000 Bakers Secret bakeware set Oeposit SI FREE " High Speed Drill KM includes bulling & polishing wheel Oeposil $5000 FREE' Fieldcrest matching Bath Towel Hand Towel l Wash Cloth Deposit S1000 FREE Penn Dutch Quill 71*73 Reversible and washable Deposit $5000 Genuine Woodenware Salad Bowl set Serving lork and spoon 4 bowls Deposit $5000 FSLIC NOW ACCOUNTS INSURED TO $40,000 GIFTS IMMEDIATELY AVAILABLE WHILE QUANTITIES LAST m * mm 4 > H mm 3 OFFICES TO SERVE YOU - ELGIN, ST. CHARLES, CRYSTAL LAKE a-.. • ELGIN OFFICE 16 North Spring Street • PHONE 312 ~-»2.38CC HOURS-Mon Thurs 4 Fri 9 to 8 - Tues 9 to 5 Wed 9 to 12 4 Sat 9 to 1 ;t-e Pa-da Poa3 S-o&c "1 p a/a ' /Hj ,t J HOUPS-Mon "tiu'5 S F' 3 to 8 r% Wee Sa' 9 to 3 ,"i* ̂ ip * '• "' seated in F'ont o' the C-yVa la*e Shopp^q P'aza 8 1 5 4 5 9 5 8 8 0 • H O U P S M o " T h „ r ^ I F - 9 ' c Tues 4 Wed 9 to 5 - Sat 9 ro 5