The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

ROBERT MUSIKANTOW. Ph.D. piyihologlit lor tht Family Service and Community Mental health Center for McHenry County PAGE 15 PI MNDKALEH FRIDAY, AUGUST7,1M1 tempting to teel that he capable. Unitl such avenues PREPARE FOE FAIR AUCTION-Officials plan billing and record keeping for the livestock auction at the McHenry County fair. McHenry State bank serves as clerk of the auction. From left are Brian Sager, Extension adviser; Chuck Weingart and Jack Hayes, fair officiate; and Don Meyer, McHenry State bank. Don Peasley Photography In thinking about people, I am often struck by the amazing diversity that seems to exist between in­ dividuals. People have so many different beliefs, in­ terests and life styles, that one marvels at the in­ credible ability of human beings to respond creatively to their environment. In another sense, however, it seems to me that at a deeper level we are all very much alike. We are alike in that we have common in­ tentions and goals which all of us are striving for. Though this striving may take various forms and manifest itself in various behaviors, the intentions behind our behaviors are similar. Just what are these common intentions which lie behind our behavior? It seems to me that what all of us want is to feel that we are both lovable and capable human beings. This takes the form of our wanting to participate with others and wanting to feel that we can make a meaningful con­ tribution to the world in which we live. A great deal of human behavior can usefully be viewed as either skillful or unskillful attempts to manifest these intentions. The person, • who for example, joins a gang may be both attempting to feel lovable through his par­ ticipation with other gang members, as well as at- makes , a difference (however futile) through gang related activities. The long term solution to such problems can therefore not be through mere sur- pression through tougher laws and longer prison sentences, as these means are not likely to have more than a short term effect. What is needed are alter­ native means through which people can be supported in having the experience that they are lovable and are made likely that social ills unchecked. available it is many of our will continue Customer: These bananas I bought on sale were green and hard to peel. Grocer: What did you expect at sale prices--zip­ pers? Family Values Church Workshop Opens Soon "Families in today's changing world are struggling to discover what is important," states Rev. Gerald Robertson, in an­ nouncement of the Family Values workshop to be held five consecutive Wednesday evenings, Aug. 12 through Sept. 9, at 7:30 p.m. at the Alliance church, 3815 West Bull Valley road in McHenry. The families of the com­ munity are invited to register for this workshop experience. The purpose of the workshop is to help families discover, in Scripture, practical ways to build and strengthen their own values and weave them into the fabric of their every day family living. Some of the topics to be discussed in the workshop are: Listening to one another, controlling criticism, showing ap­ preciation, having fun together as a family, and treasuring God's in­ structions for family hap­ piness. Music, projects, games, discussion, and refreshments are just some of the ways families will be sharing time together. (by Yvonne Beer, executive office, McHenry County Board of Realtors). SAMS and PAMS, GPMS, RRMS andVRMS too! These acronyms descirbe some of the latest financing techniques found on today's financial scene. No single financing plan meets the needs of all potential home buyers and sellers. However, despite the fact that interest rates have reached 15 and 16 percent, large numbers of buyers are still purchasing homes. Whatever vitality the market showed in 1960 was due to the strong underlying demand for housing and the ability of buyers, sellers and real estate professionals to put together innovative financing packages. Reports during the past year indicate that techniques such as seller financing, assump­ tions and land contracts accounted for a large share of transactions for many Realtors. Alternative financing is described as the use of the lending institution's new financial instruments. Creative or innovative financing refers to securing a mortgage in a non- traditional way, either when financial instruments are not available or in tandem with these instruments. Examples of creative financing include when a seller takes back a second mortgage, a wraparound mortgage and a mortgage assumption. Ninety-one percent of the National Association of Realtor's members now use innovative financing techniques. According to a recent membership survey Conducted by NAR's Economics and Research Division, some form of creative or alternative financing is now involved in at least one-half of all single- family home sales. The survey found that both occasional and extensive use of renegotiate rate mor­ tgages (RRMs) and variable rapt mortgage (VRMs) have increased since January, 1961. Shared appreciation mortgages (SAMs) had not gained in popularity, with only 1 percent of members using them extensively and 4 percent using them oc­ casionally. The graduated payment mortgage (GPM)) is currently utilized in quite a few transactions, but its use appears \ to have stabilized since \yie early part of 1981. Some 47 percent of members were using renegotiate rate mortgages (RRMs) either occasionally or extensively. Next came GPMs, which 42 percent were using, followed by VRMs, which were being used by 38 percent of all members. Assumptions of existing mortgages and owner takebacks of second mor­ tgages remain the most popular techniques, with mortgage assumptions being used by 26 percent of Realtors for more than half of their sales. Another 39 percent used this technique for 31 to 50 percent of their sales. There are many pitfalls to be avoided when using alternative or creative financing. Although it provides a solution to the problem of tight money and high interest rates, buyers and sellers are well advised to work closely with their attorneys to make certain that all bases are covered. This partnership will provide the necessary legal protection for all involved. lENTBMSQlUU the professional do-it-yourself carpel cleaning system First Hour of Rental $1.00 per hour . . . for every hour thereafter. (Example 2 hours . . . total charge $1 plus tax ) NO MINIMUM Special Rental Rate Good Monday thru Thursday R i N S E /W4C c l e a n s t h e protc s -> ocm/s c?v a t i 'M L t ' o n o t t r i e c o s t NO MINIMUM OVERNIGHT suaAU 8:00 P.M. 1:00 A.M. 110.00 1 - 4400 W. RTE.420. McHENRY. ILL. Families interested in participating in the workshop are asked to call the Rev. Robertson at the church, 385-1519, or at the parsonage, 385-6960, for registration information. Registration is free and is open to all parents (single or partners), children, grand­ parents, relatives, and any others who are interested in building family values. •A LAWYER'S ROLE IS TO SOLVE PROBLEMS •LET ME SOLVE YOURS ^b>co tt JMolan S u i t e B 4 3 0 6 B C r y s t a l L a k e R d M c H e n r y ATTORNEY AT LAW Whisper ing Po in t Center 344-1630 MILLSTREAM COIN WASH AN ATTENDANT IS ALWAYS ON DUTY 60c WASH SPEEDQUEEN WASHERS 10c DRY DROP OFF AND SELF-SERVICE 3612 W. ELM STREET 385-2042 OPEN EVERYDAY, 7 am - 10 pm Real Estate Facts | Strength that's Marengo Federal Savings! Over the past 55 years, our reputation as sav­ ings Institution in the McHenry County area has been based on three important factors: Strength, Security and Service. Below we've listed some of the reasons we feel make us McHenry countys largest and most respected savings and loan. STRENGTH We have assets in excess of $172,000,000 Our reserves exceed $8,000,000 We have over $142,000,000 invested in prime first mortgage loans within McHenry County We pay the nations highest legal interest rates on both savings and certificate accounts. SECURITY We've been doing business for over 55 years, making us McHenry County's oldest savings institution. We have a team of financial experts trained to deal in conservative money management. (It's your money). We are a mutual association, which means that profits after expenses go directly to our savers in the form of interest. The money we invest is invested within McHenry County, promoting a strong economic flow within our community. We are a member of the FSLIC (Federal Sav­ ings and Loan Insurance Corporation) a per­ manent agency of the federal government. All savings and certificate accounts are in­ sured to $100,000. v SERVICE All of our employees are here to serve you. There's never a problem too big or small that we don't take the time to help. We realize that all of our savers are individuals. We try to ac­ commodate each of our customers accord­ ing to their needs and individual circum­ stance. We have four offices plus our Woodstock drive-up facility to conveniently serve the needs of our savers. We offer a variety of customer services including NOW Accounts and Consumer Loans. If you have any questions concerning our operation or management please feel free to stop by any of our four offices and we'll be more then happy to answer them for you. 1981 $172,000,00 0 1980 *163,000,00 0 1979 $146,000,00 O 1978 $131,000,00 0 1977 $110,000,00 0 1976 $ 88,000,00 0 Our steady progress of growth within the past five years. Figures reflect total assets. Marengo Federal Savings and loan association MARENGO: 200 E. Grant Highway • 815/568-7258 • McHENRY: 4400 W. Route 120 • 815/344-1900 • WOODSTOCK: 118 Cass Street • 815/338-2900 WOODSTOCK DRIVE-UP: Route 47 and Calhoun Street • 815/338-7440 • CRYSTAL LAKE: 550 Barley Rd. on Rt. # 14 • 815/455-4300 Why Pay More? ©uakcr •RIVIERA •STYLE-L INE CABINETS ALL AT DISCOUNT PRICES! Keyline Kitchens (815) 385 1720