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JUST IN TIME FOR CHRISTMAS ! -A Gift To& ICherisltl̂ uorever I- A TRIM, SUM FIGURE --_ rv From M&M BODY SMOPPE ' 2 9 0 8 W . R t e . 1 2 0 . M c h e n r y 3 8 5 - 5 6 9 0 MEN, HERE ARE JUST SOME M&M HOLIDAY GIFT SUGGESTIONS DURING OUR OPEN HOUSE,SUNDAY(2-5pm) "For The Woman In Your Life with Purchase n? Blouse or Sweater SUNDAY, DEC. 12*10am-3pm MEN SHOPPERS ONLY! B&UH2H2 LiMflD mi 1220 N.GEfEN ST |MUul M=HENRlY,it.6°o50 PS 344-2380 [-3 .DON'T MISS THIS SPECIAL VALUE! 4 Wk. Program One Body Wrap ONLY$5500 1 YMr Program Dec. Special Reg. $330 Per Year NOW*200 nil! ALSO A FINE SELECTION Of: Sweatsuits, Night Shirts, Leotards, Tights and Leg Warmers Plus Many Other Gift Packages MEN...DON'T MISS THIS!! COCKTAILS AND HORS d'OEUVRES WILL BE SERVED! Reg. $145-$210 $54 OFF RETAIL NOW $95-$160 ALTERATIONS EXTRA SPECIAL ATTENTION .o, MEN SHOPPERS ON SUNDAY, DECEMBER 12 TWEED. HERRINGBONE, CORDS. SUADE-LOOKS AND BLAZERS SUITS BY •JOHNNY CARSON •JOHN PEEL •PENN STATE •CLIFTEX MEN'S SHOPPING DAY SUNDAY, DECEMBER 12 10 am - 4 pm MAKE EIER HOLIDAY SPECIAL! •y N.. i T Complimentary,• < *. G\n ; t SNACKS ; pprr GIFT CERTIFICATES AVAILABLE •Free Gift Wrapping •Gift Certificates Available •Cheese & Crackers Plus Punch Served! •Open Sunday, 10 am - 3 pm SFIOW US ANY McFIENRY 7 GOLD CARD ford 10% DISCOUNT WF VF GOT MCHENRY GOLD MAKE YOLJR CHOICE WHILE SELECTION IS BEST 1216 N. Green St ~ M c M e n r \ I 10« IRON! ST. (S. RTI. 31) MdU ̂ 185-774' I--M1TH6 FASHION ?H<?ppe|^! j $, RTE. 31 j Realtors Record By Yvonne Beer, Executive Officer, McHenry County Board of Realtors RECOGNIZED FOR SERVICE-Supervisor Albert "Alby" Adams, left, holds plaque presented on behalf of the McHenry Township board to Clarence Refeher, retired highway commissioner for the township. The plaque, as well as the resolution held by Regner, commend him for 16 year's of dedicated service to the township. The presentations were made at a dinner at Chapel Hill Country club last Friday evening, aiiended by township employees, officials and their families. STAFF PHOTO-WAYNE GAYLORD Q. - What happens at the closing? A. - The closing marks the end of a real estate transaction. It is the process by which ownership of a property is transferred. Although local customs may dictate procedures, basically what happens is this: The sales contract is checked to make certain that both parties have met its terms; a deed or title is delivered to the buyer; the buyer signs a note obligating him to pay off his mortgage loan; and the buyer and seller pay closing costs. Q. -- How are costs divided? « A. - Although local closing customs may determine who pays what closing costs, others are open to negotiation. It is & good idea to arrive at' a set­ tlement regarding division of closing costs while negotiating a sales con­ tract. However, it is possible to negotiate some costs up until closing. Q. - What closing costs do buyers ordinarily pay? A. - In connection with his loan, a buyer may be required to pay a loan origination fee, points, a credit report fee, an inspection fee (new housing), a mortgage insurance application fee and an assumption fee, if an existing loan is being assumed. An appraisal fee may be negotiated. A buyer also may be required to pay interest ac­ cruing on the loan from date of closing to the first scheduled in­ stallment payment, as well as a mortgage insurance and hazard in­ surance premium. To start escrow or reserve accounts which cover such recurring costs as property taxes, a lender may require an initial payment. Title charges a buyer might be required to pay include title search, document preparation, notary fee, an attorney's fee, title insurance and owner's title insurance. Transfer fees often are negotiated. (This list is not all-inclusive. A buyer may bear additional costs. However, he may not necessarily have to contend with all costs listed above). Q. - Can I find out about closing costs in advance? A. - Yes, Under provisions of the Real Estate Settlement Procedures PAGE 5 - PLAINDEALER - FRIDAY, DECEMBER 10,1982 Act (RESPA), lenders are required to provide mortgage loan applicants with a good faith estimate of closing costs within three business days of formal application. And, at the request of the borrower, the lender also is required to show the borrower a copy of the Uniform Settlement Statement which details known closing costs one business day before closing. Q. -- Are all closings subject to provisions of RESPA? A. - RESPA applies to almost all residential first mortgages for one-to- four family homes. For more information about closing costs and procedures, contact a member of the McHenry County Board of Realtors or your attorney DISCUSSION AND DANCE The Aware Singles group invites all singles to a discussion on "Why Are the Sexes Mad at Each Other", at 8:30 p.m. Friday. Dec. 10, at the Arlington Park' Hilton, Euclid avenue and Rohlwing road, Arlington Heights. A dance with live music will follow at 9 p.m. For mor information, call 777- 1005. Aware is a not-for-profit organization concerned with the needs qf single, divorced and widowed people. U7LCS ^UoCd !ZJaL FIFTY YEARS AGO (Taken from the files of Decem­ ber 22, 1932). Weston McCullom, known as the "Hermit of Bull Valley" and a well known figure in that locality, was found dead in his room on the third fl­ oor of an old creamery in Bull Valley, between Crystal Lake and Woodstock. He had not been seen around for mor^ than a day and when his brother-in- law went to investigate he found the body. Warren McCullom, the "Gray Bearded Hermit of Bull Valley" and a great-grand nephew of Major General Israel Putnam of the Revolutionary war time, was the son of Mary Parks and Atrus McCullom, who came to this vicinity from Massachusetts with the early settlers. He was a cousin of Mrs. Samantha Button of McHenry, 101 years old, whose father's name was William McCullom. FORTY YEARS AGO (Taken from the files of December 24, 1942). A trdgic accident, similar to one which occurred in McHenry about a month ago, took the lives of Mrs. Elvira Wildner, 37 years old, and her 8-month old son, Gustave, Jr.-, in a fire that burned out the interior of their two-story frame cottage at Meadowbrook drive and Channel road in Round Lake. Three other oc­ cupants of the house escaped. From a letter to Santa Claus: Martin J. Foley wrote: "Dear Santa Claus: I wish you would bring us a train and airoplane for Christmas. If you have a tractor with a snow shovel I'd like it. I saw a nice suit and sweater in Elgin that I would like too. Don't forget Jimmy J. Mahoney this year, because he moved into a new house and he is looking for you. Thank you. TWENTY-FIVE YEARS AGO (Taken from the files of December 26, 1957) Matching the very unusual weather which seems to have been common during 1957 were temperatures the first full day of winter last weekend. When everyone expected to feel the cold blast of the season, Mr. Weatherman decided to fool the public by sending spring breezes which sent the temperature to a high point which tied the previous record. The fund drive for a 25 to 30-bed addition to the McHenry hospital has now reached $306,740.41, which is almost three-fourths of the total cost of $418,000. The drive has been well received in the community and with still over 1,000 families not yet con­ tacted it is estimated that the final drive total may possibly exeed the goal. TEN YEARS AGO (Taken from the files of December 20, 1972). After the recent disappointment of no bids being submitted on the Lakeland Park Area Sanitary Sewer system, there was cause for joy within the City Council when three bids were received and an award made. The lot* bidder, Koch & Ingram of Russell, 111., received the award in the amount of' $1,483,512.20 subject to checking of figures by Baxter & Woodman, Engineers, and final approval by HUD (Housing and Urban Develop­ ment) . Dr. H. S. Sundin of the Baxter & Woodman firm, expressed hopes that approval would be very soon. Millie: "I saw your old friend Betty today." Tillie: "Oh, has she kept her girlish figure?' Mil­ lie: "Looked like she doubled it!" iui rv1 385-0019 ^ ffevtidx K STORE FOR MEN W L„.V 1214 N. GREEN ST., McHENRY i NEW HOURS: i M-F SAT SUN 19-8 9-5 10-3 WE HAVE TALLMAN A •SPORT SHIRTS J •SWEATERS M •fLANNEL SHIRTS WL •PAJAMAS K •AISO XXI ' IV'i "M'I'V ORNAMENT HANGERS Y o u ' v e j u s t discovered that one of your treasured or­ naments is missing a hanging hook! Don't throw that treasured ornament away just because a hook is missing. Bobby pins can be twisted into a spring so that the lower end can be inserted into a bauble neck and when it is released is will enlarge to fit snuggly inside. The loop at the top is left for hanging. If the loop isn't large enough to loop over a branch, or whatever, slip a rubber band into the bobby pin loop and bring the rubber band back through itself. Then stetch the rubber band over the branch. Paper clips can make neat hooks, as well as the metal-paper sand­ wich bag twist 'ems. The McHenry Plaindealer 3812 West Elm Streot (USPS 3352-0000) Established 1875 McHonry. Illinois 60050 Phono 815-315-0170 Published Evory Wodnosdoy ft Fridoy at McHenry. Illinois Second Clots Postogo PAID ot McHonry. Illinois by McHENRY PUBLISHING COMPANY POSTMASTER Sand addross chongos to McHonry Ptoindoolor 3012 W Elm St McHonry Illinois 60050 Subscribers oro roquastod to provide immodioto notico of chongo of ad- dross to The McHonry Plaindoalor. 3S12 W. Elm St. McHonry. III. 60050. A deduction of ono month from tho expiration of a subscription will bo mode where o chongo of oddross is provided through tho Post Offico department. Thomac C. Miller-Publi*h«r Adele Froehlich-Editor fltoarb Winning ilttospaper MEMBER NATIONAL NEWSPAPER ASOCIATION SUBSCRIPTION RATES 1 Y»or $16.50 In McHenry County 1 Year $24.00 Outsida McHonry County JOIN US FOR NEW YEAR'S EVE! Now Accepting Reservations SUNDAY BRUNCH From 10 arrt. - 2 pm. ALL YOU CAN EAT! Featuring Belgium Waffles, Crepes, Omelets and Fresh Fruit FRIDAY FISH FRY LAKE PERCH, SMELT OR SCROD SOUP & SALAD BAR ALL YOU CAN EAT! „ Open For Dinner Wed., Thurs., Fri. & Sat. Sunday-Brunch & Dinner PC (,(*> CICB HILL JNTRY CLUB 2500 N. CHAPEL HILL ROAD McHENRY 385-0333