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The Law Serves You Mortgage Loan Costs Must Be Disclosed Recently enacted federal legislation has resulted in uniform procedures for all lending institutions making "federally related" mortgage loans. According to the Illinois State Bar Association, the most important benefit of the law will be advance disclosure to home buyers and sellers of the various costs involved in the sale of a home. The Real Estate Settlement Procedures Act requires len­ ders to disclose the actual or estimated costs for such ser­ vices as title searches and examinations, title insurance, attorneys, the preparation of documents, property surveys, inspections, and other closing costs. Under most cir­ cumstances, the lender must provide a disclosure statement to the buyer and seller at least 12 days before the date of settlement, although that requirement may be waived by the parties involved. Disclosure must also be made to any of­ ficer or agency of the Federal Government proposing to in­ sure, guarantee, supplement or assist in the loan. According to the ISBA the new law also requires lending institutions to distribute booklets explaining the various costs of settlement to applicants for mortgage loans. In some cases, the lending institutions will not be able to determine the precise costs for some services in advance. In the event the exact charge is not available, a "good faith" estimate of the charge may be provided, and there is no requirement that the exact charge be disclosed to the buyer and seller before the closing date. Not only is the lender required to make disclosures, but the lender must also make certain that the seller has provided the buyer with certain information including the name and address of the present owner, the date the property was acquired, and under certain circumstances, the last purchase price and the cost of any improvements. The new law also prevents the seller from requiring the buyer to purchase title insurance from a particular company. The Real Estate Settlement Procedures Act covers all "federally related" mortgage loans, including loans from institutions that are regulated by any agency of the federal government, or that have accounts or deposits insured by any federal agency. The law applies to the sale of residential property designed for oc­ cupancy by one to four families. Congress took action because of reports of abusive practices in the home loan industry in states other than Illinois. The reforms are intended to insure that consumers receive greater and more timely information about the costs of the set­ tlement process. Other provisions of the law limit the amount of money the lender can require the buyer to place in escrow accounts for insuring the payment of taxes and in­ surance and call for moder­ nization of the system of recording land title in­ formation. Beth Howell Member Of Cast Of "Damn Yankees" Beth Howell, daughter of Mr. and Mrs. William Howell, 1105 W. Northeast Shore drive, McHenry, is a member of the cast of "Damn Yankees", a musical production to be presented at the University of Wisconsin, Platteville. Beth, a junior speech major, is a dancer and chorus member in the play, which will be presented by the Pioneer Players, Oct. 20-25, 8 p.m., on the university campus. "Damn Yankees" deals with an aging baseball fan who sells his soul to the devil for a chance to become a star ballplayer, then realizes there are more important aspects of life rather than becoming a hero. Tickets may be purchased by mail from the Business Manager, 715 Pioneer Tower, Platteville, Wis. 53818. Beth is a 1974 graduate of McHenry high school. Parasites May Infect Horse Population Virtually the total U.S. horse population may be infected with a variety of costly internal parasites, according to Cheryl P. Knobloch, University of Illinois equine veterinarian. Horses and ponies are more susceptible to parasitic in­ festation by worms than any other domestic animal, she continues. The most economically damaging parasite in Illinois horses is Strongylus vulgaris -- the blood worm. Knobloch says 90 per­ cent of all colics probably result from damage by this parasite. Adult bloodworms are blood suckers. They firmly attach themselves to the large in­ testine walls where females deposit vast number of eggs. When the horse defecates, the eggs pass with the horse droppings to the ground. There the larvae hatch, climb up a blade of grass and are swallowed by grazing horses. Larvae migrate within the horse's body for approximately six months before returning and maturing in the intestines. An infected horse with 2,000 eggs per gram of feces discharges 25,000,000 eggs per day. Such a horse within a confined herd can infect every animal within days, Knobloch adds. Signs of parasitism include: depression, reluctance to move, poor weight gains, rough hair coat, anemia, recurrent colic and occasionally death. Knobloch notes, however, that many horses suffering from serious parasitic infestation often appear healthy. Fortunately, veterinarians can easily determine the presence of parasites too dif­ ficult for the average hoseman to detect. Microscopic fecal examination can easily determine the presence of parasite eggs. But for accurate results, the manure must be fresh because strongyle eggs hatch within 24 hours. Establishing a parasite control program is essential to avoid costly feed losses and to maintain optimum herd health. Consult your veterinarian for specific recommendations and timetables for worming and fecal examinations before developing your own program. / Knobloch suggests these management tips to balance your overall health plan: -Compost stable manure or spread it on non-grazed land. -Pick up*the manure in small areas at least twice weekly and handle as above. -Harrow and rotate use of large pastures with other species. This greatly reduces larvae numbers. -Place feed in mangers or racks and prevent fecal con­ tamination of the water supply. Don't feed on the ground. -Quarantine new herd ad­ ditions. Check and treat them for parasites. -Include all equine species on your farm in the control program. Make regular fecal examinations in heavily parasitized herds and follow a regular worming schedule. -Provide proper nutrition. Thin horses are easy targets for parasites. -Keep pastures well drained and don't graze when pastures are moist. Avoid overcrowding and overgrazing. Dolars & Good |«nse bjWUUmmJLMmrttm Recently I've discussed the problems facing families when a second income is added. With more money coming in, budgeting and planning become even more important. The extra income generated by a second bread winner will not necessarily solve the problems caused by a badly managed budget. And if the extra cash causes you to over­ spend, you could end up in even worse trouble. Some families have a ten­ dency to run right out and make several large purchases, planning to pay them off with their new found wealth. This can work out well until one or the other workers loses his or her job, and the payments become impossible. The solution is simple. Try to plan your day-to-day living May Sell CCC Owned Feed Grains At Reduced Prices Under this program, Com­ modity Credit Corporation (CCC) owned feed grains can be sold to eligible livestock owners at reduced prices. The assistance is to prevent widespread liquidation or undue culling of livestock because of flood, drought, hurricane, tornado, ear­ thquake, disease, insect in­ festation, or other catastrophe. Effective immediately with new disasters and upon con­ currence of the State ASC Committee, eligibility for assistance will be determined on an individual basis by County ASC Committees without prior approval from Washington. Assistance under the program is limited to those livestock owners who because of a natural disaster have suffered a substantial loss in livestock feed normally produced on the farm, are required to make feed pur­ chases in quantities larger than normal and are unable to ob­ tain through normal channels of trade without undue finan­ cial hardship sufficient feed for their livestock. The only feed grain available at this time for distribution under the Livestock Feed Program is oats, of which 26.8 million bushels are earmarked for this use. SECTION 2 PAGE 7 - PLAINDEALER-WEDNESDAY, OCTOBER 15,1975 Summer is here--in case you hadn't noticed. around one income, not two. Then use the second income for savings and solid investments. When something comes along that you would like to buy or do, then you've got the money set aside, and no new debts are required. This, like most other money management programs, takes self-discipline. But in the long run, you'll feel much more secure knowing that second income is going to protect you, your future and your lifestyle. Readers' questions are welcome and should be sent to P.O. Box 2210, Newport Beach, CA 92663. BIG DOLLAR SAVINGS LOOK For Little Bucky's $IGN FOR SAVINGS in the window of your friendly neighborhood independent store for bigger Savings! SALE DATES-TUES. OCT. 14th THRU SAT. OCT. 18th 1975 Is it the Fourth of July? I resign my spirit to God, my daughter to my coun­ try. T homos Jefferson Final Words July 4,1826 POET'S CORNER |-- My years of life fly quickly They seem to pass me by Only now I can Realize And I want to wonder why. I have to learn to enjoy life To make the most of what I've got Simple things are more important Before, to me they were not. To enjoy seeing a brook, running wild Makes me long to be a carefree child To go walking barefoot, from stone to stone But I am a woman, and here and alone. If someday, when I reach a ripe old age I hope I don't ask myself why My life wasn't full of everything And why did it pass me by? Deborah Zmich THINGS WE LOVE The moon up above, the stars all around, the things that we see are the things that we love, So don't sit around and do nothing, get up and ready to go. What people think is really something, it's their own opinion or it's their religion, So stop, look, turn around, don't give up like a clown You'll only regret what you've done so live up to your rights, Never turn your back, I've seen it done before, You can't get away from this awful place so look up to yourself if no-one else. And be yourself, my friend, and believe in things you say and do. By Mike F. Pearson LISTERINE 24 OZ. Bonus Bottle 20% More Free 2.26 Value VICKS NYQUIL Nightime Cold Medicine 60Z. 5 OZ. 1.40 ValM UTTU MKKT CLOSE UP ^TOOTHPASTE FAMILY SIZi 1.44 Value Glaviano's nteriors SPECIALIZING V IN KITCHENS Stock and Custom WE ALSO CARRY • VANITIES AND • FORMICA MARBLE-CORIAN TOPS! 414 S. RTE. 31 - 385-3764 Visit Our Showroom! PUREX BLEACH STAY FREE MAXI PADS 30'S $J39 MINI PADS 30'S 09 2.19 Value VITAMIN E 400 I.U. WITH ALPHA TOCOPHERYL 100*s 7.95 D Value NATURAL * VITAMIN E 200 I.U. Mixed Tocopheryl 100's- 5.85 Value CASCADE Automatic Dishwashing DETERGENT Giant Size 35 OZ. LISTERINE LOZENGES ISOPROPYL RUBBING 16 OZ. 1.25 Value BOXED STATIONERY FOAM CUPS 49* \ 6 2/3 OZ. 51 ct. WHITE PAPER PLATES 9 inch-100 ct. 79* 5 7/8 inch- 50 ct. 39* YOUR CHOICE TRIAMINCIN Tablet's 12's or Nasal Spray y2 oz. 1.39 Value LITTLE' BUCKY UTTU WOT BAYER ASPIRIN 100's COUPON UTTU WOIT 1 RIGHT GUARD PERSPIRANT •69i COUPON V 6 4 OZ COUPON 'GLAD SANDWICH CT. BAGS COUPON iUCKY E POOD WRAP 100 FT ROLL COUPON V ASSORTED PATTERNS & COLORS 89c Value EVENFLO PLASTIC BABY BOTTLES Complete 8 OZ. or 4 OZ. 49c Value Each UTTU tMOlT YOUR CHOICE WOOLITE SSm\ Powder 6*i Oz oa liquid 8 Ox COUPON UTTtf»»qtT rOUR CHOICE IASY-0FF WIMOOW CUANIR 16 Ox. to«U ) WMti Pump Sprayaror mg II* ot Al COUPON HOLIDAY SUN DISCOUNT 4512 W. RTE. 120 McHenry, Illinois FOR ANY INFORMATION CALL 279 3933 High Price Robbery Stops Here HOLIDAY Smn mtP DISCOUNT 300 COUNT Notebook Paper JIF Peanut Butter Meister Brau REG. $1.49 18 oz. Jar 12-12 OZ. CANS 39 fA0RAFT DEPOSIT 8-16 OZ. BOTTLES $1 09 PLUS D Returnable Milk Bottles Another Holiday exclusive! Holiday helps you save even more on every day items. Whole c * no plus Milk F.^:... 1 Deposit 2% t, A. Plus A A* 11 $ 1 05 50c Ml IK CAMiGN.... I Deposit Plus lVo Milk... ...CAtUQtf....95* Deposit Skim p""* Milk ...&aw*on .89* 50c Deposit 100's Excedrin COMMAND 13 OZ. Hair REG. $1.97 . $1 19 in HALT! INFLATION! Sproy *1" FOR MEN REG. $2.19 REG. $2.98 $l49ilL DIGE? Prices In Effect While Quantities Last. AQUA WAY Water Tablets 90 TABLETS 100 TABLETS OR 12 OZ. LIQUID Di-Gel REG. $2.10 YOUR CHOICE $ 1 0 9 GENERAL ELECTRIC Flash Cubes GENERAL ELECTRIC Magic Cubes Photo Developing Special AVAILABLE AT HOLIDAY SUN DISCOUNT ONLY. C-l 10-12 or C-126-12 FILM PRINTS OF EACH PRINTABLE NEGATIVE PLUS A REPLACEMENT ROLL OF KODAK FILM FOR ONLY COUPON GOOD THRU OCT. 21