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- /' ' - * " :» *\'Vv3V. •' THE LAW SERVES YOU OS AND CONS OF JOINT TfiNANCY LISTED IN BAR GROUPS PAMPHLET | Joint tenancy is a popular, flthough not always desirable, |^9y for married couples to own prlfifcerty, according to the Illinois State Bar association, which has published a new, free pafriphlet on the suject. , As defined in the pamphlet, which is available on request to the ISBA, Springfield, Illinois (62701) joint tenancy "creates joint ownership in real or personal properly so that upon the death of one joint tenant the decedent'8 interest in the property terminates and this interim passes to the surviving joint tenant or joint tenants." lfniis means that if husband luid wife hold ownership of a house, automobile, bank account, or other assets in Joint tenancy with full right of survivorship, the property will pass automatically to the survivor upon the death of one spouse, and is'not subject to probate as part of the deceased's estate. Because of its common usage by husband and wife, the ISBA observes, the legal effects of joint tenancy should be fiilly understood. Hie pamphlet lists these advantages of joint tenancy: -A surviving joint tenant takes Over ownership of the property Without the necessity of legal proceedings or estate administration* If a bank account is held in joint tenancy, a. widow does not have to worry about being short of cash since ordinarily she can continue to draw on the account after only a short delay* Joint tenancy, in the case of real estate, is easily created, involving only the small cost of having an attorney draw up the necessary deeds. Also, real estate held in joint tenancy does not become subject to liens or claims by a deceased joint tenant's creditors. Finally, if husband and wife own property in joint tenancy, this tends to cement the marital bond and gives the wife a sense of security and a feeling that she is a partner in financial, as well as, domestic matters. At the same time, the ISBA pamphlet cites the following disadvantages: There is not provision in a joint tenancy for other beneficiaries after both husband and wife are dead. For this reason joint tenants also should have wills which take into account all property, including that held in joint tenancy. Neither' joint tenant is sole owner of the property while both are alive. While dual ownership of a home and car is not likely to create discord, husbands and wives may disagree over how to use bank accounts, stocks, bonds and similar assets. The survivor may not be able to manage the estate properly. A widow left, with stocks she has held jointly with her husband, may be headed for financial disaster if she knows noth- \ ing about the stock market. Also, in the case of larger estates, a joint tenancy can cause tax problems, and, in the final analysis, prove to be more expensive than other methods for distributing properly upon a death. However, the ISBA adds, the disadvantages do not mean that joint tenancy should not be used, but only that it. should be employed cautiously and with Ml awareness of the "pros" and "cons". Chest x-ray s used in the hands of competent persons, with properly protected equipment, are not dangerous and are of life-protecting value in the early detection of deadly diseases. "-is* Iflii W" §; m- From Th* Farnri Adviser Desk DAIRY FEEDING Vv Cows receiving heavy cornsilage rations also need a high protein grain mixture* Milking cows getting all the corn - silage they will eat and only about six pounds; of legume hay per day should be fed a grain mixture containing 18 - to 20 percent crude protein. If they are getting'as much as 15 pounds of good quality legume hay per day a grain mixture with 14- 15 percent protein should be adequate. CAVE TREATMENT.. . Dr. Karel Klincko looks over one of his young asthma patients bedded down in the Combasek Cave located in eastern Czechoslovakia. Dr. Klincko, a specialist and head surgeon of a children's hospital, feels that four hours a day the air of the cave is a presupposition for successful treatment r i I I i i i ANGELO'S SUNSET INN Specializing in BUSINESSMEN'S LUNCH 12 noon $© 2 p.m0 FINE FOODS -- COTOTEOUfS SERVICE 1 I I I I I I I I I I | 1 Mile North of Wauconda on Old Route 12 Phone JA 6-292P | WARM WATER FOR DAIRY Providing warm water for dairy cows during the winter months may mean more milk. A cow drinking cold water must heat the water through metabolism of hay and concentrates. Milk production slacks off as she burns up more fuel for body maintenance and puts less into milk production. BATHE DOG Don't bathe your dog too often, warn University of Illinois veterinarians. Bathing removes natural oils from the dog's skin and coat, making skin dry and itchy. Unless your dog's coat becomes caked with dirt, or picks up an offensive odor, one bath about every two months is sufficient. Frequent brushing, however , removes dirt and helps keep the skin and coat healthy* MAKING A ^WILL Good wills are not as hard to make as most people think. To be valid under Illinois law, a will must meet these conditions: (1) The maker must be of sound mind and memory and at least 18 years of age; (2) the will must be in writing and signed by the maker, or by someone for him in his presence and by his direction; and (3) two credible adults must witness and sign the will in the presence^of the maker. These witnesses must be ready to swear before the circuit court, when requested to do so, that they saw the maker sign the will or that the maker acknowledged to them that it was his act, and that they ^believed the maker to be of sound mind and memory. TREAT HORSES FOR BOTS Treat your horse for stomach toots now if you haven't done it, even though you haven't seen bot flies or eggs this year or last. Bots attach themselves to the stomach wall and interfere with digestion. Vlbey often bring on attacks of colic. Heavy infestations may even rupture the stomach, causing death. As adult bot flies are inactive at low temperature, fall treatment cuts chances of further infestation* IMITATION MILK Non-dairy imitation milk is a poor substitute for the real thing. Food scientists atthe Michigan State university report that non-dairy imitations are inferior in two important areas- (a) calcium and (b) protein. The researchers say that the total protein level in non - dairy imitation milk is about one-quarter that of whole milk. The calcium level is only oneeighth that of milk. And although some imitation milk produces have Vitamin D added, calcium and phosphorous must be present in order for the body todeposit the minerals and utilize - the Vitamin D. Many diet - conscious people simply assume that vegetable fats are unsaturated, without realizing that coconut oil, which is the fat used in most of the imitation milk products, is more highly saturated than butterfat. To the extent that the degree of saturation is important, the fact that coconut oil is highly saturated should be considered. DO YOU PAY 40% MORE for WHAT YOU BUY? 1 mr How Can I? Q. What can I do to keep my hand-knitted garments in shape When laundering them? A. Wash in mild suds, then pat into the proper size and shape. Dry thoroughly. When dry, hold a steam iron an inch above the garment, and move it slowly back and forth across the entire surface until the steam has penetrated it thoroughly, never actually touching the garment with the iron. Q. What can I do when grains of coffee have clogged up the strainer basket in my coffee percolator? A. If you'll sprinkle coarse salt into the strainer. and run hot water over it, the coffee grains will usually clear out in a jiffy. Q. How can I sharpen my pinking shears? A. Cut through a double strip of aluminum foil several times, and this will renew the edge on your blades. Q. How can I remove grease spots from clothing? A. Put a clean cloth under the stained area, then rub flour into the grease spot. Rub the spot with another cloth for a few minutes, and the stain should have vanished. This treatment is especially good for removing grease from boys' shirt collars. Q. How can I clean and brighten brass? A. Try washing it in water in which potatoes have been boiled. The brass will emerge bright and new - looking. Then, too keep it bright longer, rub a little salt and vinegar over it. Q. How can I whip cream well ahead of serving time, so that it wil^ continue to stand in peaks? A. By using corn syrup instead Friday, November 29, 1968 Plaindealer - Pa. %. of sugar as a sweetener. Q. What can I do about heat marks on my furniture? A. Try camphorated oil, stroking lightly over the spot with a cloth moistened in this oil, then rubbing immediately with a clean dry cloth. Do not use a linty cloth, as fuzz might stick to the wood. The final step is to rewax. ?vT; Q. How can I cut down oar 1KB dripping of candles? A. By keeping your candles in the refrigerator for a coiqjle of days prior to using them, you- " not only minimize their dripping, but also increase their burnin? life. Q. Have you any suggestions for retaining the gloss of sateen? A. Try using borax water when washing sateen. My householdhints manual contains inany other such helpful hints on laundering and cleaning. Q. How can I take stens to 1 prevent leather shoes that have-• gotten wet from cracking? A. By rubbing the shoes with linseed oil or sweet oil, letting them dry slowly. Q. How can I make cake soap last longer? A. By allowing it to age <\ unwrapped for a few weeks be* * fore using. INSPECTION GRUur Robert M* Schneider, direct^ or of the Illinois Department of. Agriculture, will serve on the. newly consolidated National Food Inspection Advisory committee, UJS. Department of Agriculture. The committee, including 17 heads of state agriculture of health departments, will consult with officials of USDA's Consumer and Marketing Service in the administration of federal and state inspection programs for meat and poultry products. IBt CAR mwm onmaxA INVESTMENT V/AQM IT NOW Gflo8 Wash Mot ltins*> Hot Wax 1B9SSU Best Barf sin in Town V Automated Stay Era Car WE WASH: 38 Seconds No waiting Self Service More Soap More Water More Pressure 25* I i West Route 120 Next to Phillips 66 I And Rudy's Drive-In I i gpap BAY TRUCK WASH WATCH FOR THE SPINNING COIN oaooooooooooooooofl'QQQBBOoaoaseaB BOCHB SIlfJCE ! ! You probably do if you are one of those who buy now and pay later. Personal loans, installment purchases, charge accounts, and credit cards are an expensive way of life. They can add as much as 60 per cent to the cost of what you buy. There is a lower price tag on everything when you pay cash. That's why a save-now-buy-later plan is so attractive. The actual cost is even less when you realize that the purchase money earned liberal dividends while it was with us. * E 1 McHENRY SAVINGS & LOAN ASSOCIATION O Iron and f Structural Steel » ADMSS Bros. Repair SO04W.Ri. 120 385*0783 GET THE PARTS YOU WANT - WHEN YOU NEED THEM from Community Auto Supply Phone 385-0778 FOE ©SSMnftDES * 5 COUJWfflMiSN Mike Kalfus Frank Meisner , Arnold Anderson Dan Strach Stan Pankiewicz MEMBER Federal Savings and Loan Insurance Corporation Federal Home Loan Bank System Savings and Loan Foundation United State; Savings and Loan League Illinois Savings and Loan League 1209 N. Gr««n StrMt, McHcnry, Illinois 60050 Phone:'385-3000 Drive in Anytime, and see your car shin fast! aelk©landl Fork CAR VM Next to Phillip's 66 Bs^bsr Shop ^0 • Hair Coloring ^ • Hair Styling ^ • Hair Pieces • Razor Cuts J AXE'S by appointment 885-7771 Farm Equipment George P. Freund, Inc. Case - New Holland 4102 W. Crystal Lake Rd. McHenry Bus. 385-0420 las. 385-0227 RAYCZEFT & PATE1CE BUILDERS Home Ceoklag Hettermann's Good Food - Fine Drinks Package Good* Edwin Hettermann Johnsburg * McHenry 385-1787 General Contractors McHENRY Phone 385-7851 or 5534 TV SALES & SERVICE 4605 W. Rt. 120, McHenry We service all makes • TV's • Radio • Stereo • Tape Recorders 385-0979 FREE PARKING _s\uttwu >er, JACOBSEN LAWN MOWER SALES AND SERVICE • Expert Repair--Factory trained mechanics • Full stock ol genuine factory replacement parts • Engine tune-up and complete safety check • Fast precision sharpening-- • Complete selection ol '61 Jacobsen lawn mowars 3S5°0434 Adams B©ipair Shop 3102 N. Chapel H1U Rd. !©nry Buy-Sell-Trade Illinois most complete Gun Store with a selection of over 1,000 guns in stock McHENRY GUM CENTER Daily 9-9, Sat. & Sun. 9-6 3325 W. Elm Ph. 385-7320 Sales & Service assess Van Fleet 2501 Martin Rd. McHenry 385-6027 Having Let us FLO-TEST it! Our Inland Flo-Test Machine will quickly determine if your trouble ia in the radiator. Most radiators over a year old are partly plugged--some seriously. This can cause heating and costly damage to your engine. We specialize in "Factory Method" radiator cleaning, repairing and recoring. Adams Bros. R^peor iorv, MM W. Route 120 13 'tEKRS EXPERIENCE >\ mi k iatorJ / Test can be mede without removing radiator from your FOR AN AD-TAKER Phone 815-385-0170 Insurance & Real Estate Earl R. Walsh life Fire Auto Homeowners liability Plate Glass Bonds Marine Workmen's Accident & Compensation Health Office 385-3300 Residence 385-3321 3429 W. Elm Street McHenry, Illinois, 60050 $ Complete Selection Also Register In Our Bridal Register Agstha Gifts Candies 1242 Green St. 385-0097 Be fVise Shop In McHenry POBT-O Phone 385-0783 McHenry, 111. PILOT BAR South Sea Island Dining 1406 N. Riverside Dr. HOS®S: Weiy G OPEN 7 DAYS A WEEK 11:00 A.M. to Qoslhg 13 YEARS EXPERIENCE McHMVy, UU. *-• * U 885-97W00 • BBBaOOOOOOBBBBBBBHBBBaBBHPBBBOBOBWKl £-- Y V