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B.J.9* VIENNA TELEPHONE FOR CARRY-OIITS 385-0230 OPEN 11 TO 10 P.M. MONDAY THRU SATURDAY ; '• ̂ Some Straight Talk about spurgeons We feature the LARGEST Selection of MATERNITY WEAR in McHenry County £fV ^uznCturz Jltd. f iLC iu t i i ina in ll3 tdi. and t c l i n e . T i M Member FDIC lOINiaL BaiNIK OF M< HeNRY 3814 WEST ELM STREET P O BOX 338 McHENRY, ILLINOIS 60050 815-385-5400 X Our April Wholesale Cost -25% Less 25% Discount from a Special Purchase of Our Biggest Suppliers Furniture Mart Showroom Sample Y Our Normal Lew Mark Up Z The Happiest Customers in Illinois 161 wfM ISP siife. PlP v'., wm J-- WM. Ip "H I H m i Q. What interest rate will be allowed on NOW accounts? A. A maximum of SVA % annual interest rate hat been set. However, it's important to remember that banks and savings and loan associations are not required to pay the maximum rate. Q. Will the interest I earn on my NOW account be taxable? A. Yes. All banks and savings and loan will be required to report interest paid to the Internal Revenue Service. Q. Who can have NOW accounts? A. Individuals, sole proprietorships, churches, independent school districts, trade associations, and certain non-profit organizations are eligible. Partnerships operated for profit, state and local governments, business and professional cor­ porations are ineligible at this writing. (See us for further details) Q. Will my NOW account be federally insured? A. Yes. Either by the Federal Deposit Insurance Corporation (FDIC) or Federal Savings and Loan Insurance Corporation (FSLIC). Q. Is a NOW account for everyone? A. Probably not. It is anticipated that most institutions will require either a minimum balance or an average balance in or­ der to avoid service charges. In some cases these requirements may not be as attractive as your current checking account. Q. Is First National Bank of McHenry going to offer NOW accounts? A. Yes. Currently, plans are being formulated as to balance requirements and service charge fees. It is anticipated an an­ nouncement will be forthcoming in early December. Q. If I already have a checking account at First National Bank of McHenry, can I change that account to a NOW? A. Yes. We are presently working with our data processing center in an effort to make your transfers to a NOW account fast and convenient. To answer any further questions you may have, call our New Account Representatives today Past 65 byCarlRiblet Jr. Question--"Can you please help me where to apply for a baby that I can adopt? I am 64. My husband is terminally ill and I will soon be alone in the world with no relatives whatsoever x when he dies. We had no { children in 40 years of marriage. He doesn't want me to be alone. He said maybe I can help some baby grow up with the advantages I can give it. I am financially well off and I have a lovely home in which to raise a child. It is in a good neigh­ borhood. The trouble is, as I am told by my well-meaning friends, that people my age have little hope of adopting a child. We're too old. Is that true?--Marietta H. Answer--Yes, it is true. It is a fact that most of the many agencies throughout the continent that place infant children for adoption are very reluctant to place them with women, or couples, who may not be around in this world by the time the child is in its teens. The agencies I have contacted all say, with no variation, that their first duty is to the child, that they have an obligation to place an infant with adoptive parents who meet the requirements usually requested by birth parents. In almost every case, the birth parent wants the baby -- -- to be placed with adoptive parents who qualify as normal parents- in every respect. They do i not feel that elders make good adoptive parents for infant children. There is a small chance, however, that Marietta may get her wish and perhaps adopt a child in spite of her age. Is she willing to be a mother to a child who is past 10 years of age~a teenager, perhaps? Agencies also are flexible in 4he decisions when they consider adoptive parents for a child who is half Anglo and half Mexican, or half black or half Asian. Children in countries of South America, Korea, India, Bangladesh and the Philippines who are orphans often are placed in North American homes; although seldom with senior citizens. Marietta can contact two agencies. One is the Holt International Children's Services, at Eugene, Oregon, phone (503)687-2202. The other is known as OURS, a resource center for adopting children, at 3148 Humboldt South, Min­ neapolis, Minn., 55406. Marietta can make ap­ plication, but she should expect a difficult time before she can fulfill her heart's desire for an adopted child'to gladden her declining years. Question--4,You fre­ quently advise us readers of your column to write our congressmen when we have problems because we are old. That's easy for you to say, but congressmen don't always help like you say. Mine hasn't helped at all with my problem, which is that I can't enjoy my life while he's living it up in Washington, D.C. on a big salary and I'm trying to get by on the little income I have here. Congressmen sure take care of themselves, I wish they would take care of me."--Jacob D. Answer--Congresspersons do seem to have an easy time of it, with a salary that seems huge to us their constituents, plus all the benefits they receive just because they are members of Congress. However, my experience has been that congresspersons usually answer the letters sent to them and they do try to help. Jacob should not be too hard on his representative in Congress, especially if he understands that there are three kinds of con- gressperson-those who know on which side their bread is buttered, those who know "where the butter comes from, and those who have roped the cow. Maybe Jacob's congressman is all three combined in one. Question--"You recom­ mended that those of us seniors who need sup­ plemental health insurance policies that cover physicians' fees beyond the reasonable charges ap­ proved by Medicare, should buy a single good policy to cover us. Is there such a policy? I have looked at many and have not found one. Please tell me one that does what you advise."-- Bertha C. Answer--I again asked a local insurance man to advise me where I could search for such a policy. He steered me in the right direction and I learned that there are in fact such policies. But Bertha will have to look for them. She can ask a reputable local insurance agent--an ex pert-- -to help her. I cannot An Arithmetic Sale on Over 40 Wall and Rocker Recliners, Sleeper Sectionals and Sofa Beds... • . . I he Formula Einstein Never Feund X- 25%+ Y = Z PAGE 5 - PLAINPEALF.R • FRIDAY. NOVEMBER 14, IfM recommend any one com­ pany. Each must look on his own. We ask the questions, we study the answers, and then we decide on our own what we must do. Question--"You wrote about somebody getting a lot of satisfaction from a hearing aid. What type is he wearing?"--Mrs. R.F. Answer--Please read on. Question--"I am deeply interested in a hearing aid. Can you give me the name of the instrument and where it is obtainable?"--W.L.M. Answer--First, W.L.M. must see his doctor. Anyone with difficulty in hearing should stay away from a hearing aid dispenser until his or her doctor has conducted an examination and arranged for a hearing test. Not all who seem to have hearing impairment actually do. Sometimes there is too much wax in the ear. Everybody with hearing loss does not necessarily need a hearing aid. Some forms of hearing loss can be treated and hearing restored to normal by a simple, painless surgical procedure that may be recommended by a medical doctor- specialist. The best advice is not to monkey around with hearing aids that are not prescribed and recom­ mended by a specialist, and fitted under his supervision. Question--"I find your column informative and resourceful, but the recent one wherein you stated there are no cancer insurance policies that are worth consideration is not correct. I am sure you have not examined all cancer policies and I hope you never ex­ perience cancer. "I secured a cancer in­ surance policy in 1976. A year later I had surgery for breast cancer. A year after that I had a reccurrence, so I am again on chemotherapy. '"Hie company I had the polity with was prompt in paying claims and their representatives were thoughtful and considerate. Henceforth, please be less conclusive in matters which are not completely familiar to you. Will you retract your statement?"--Alice N. Answer--I amend my statement. In Alice's case I may have been wrong. I stand chastened and I am glad that Alice had such good fortune with her policy. I am sorry I cannot list the name of the company she writes about. If I should give the name in this column then every other insurance company that offered policies for cancer treat­ ment would want to be mentioned likewise. There are cancer policies that are questionable. An investigating subcommittee of the U.S. Senate had much that was not favorable to say about cancer policies that are out and out bad insofar as adequate protection was concerned. There may be one or two cancer policies that are good. Alice's ap­ pears to be one of them. I have no immediate way of knowing or finding out. That is the tragedy of cancer insurance. One cannot tell the good from the bad until and unless one gets cancer. That's a hell of a time to find out. Write to Carl Riblet Jr. at P.O. Box 40757, Tucson, AZ. 85717, with self-addressed, stamped envelope for in­ formation and advice on questions you may have an an elder citizen. All questions will be answered, if possible. No identities will be revealed. Aspen Soloists On Fall Concert Series ops •Slacks •Jeans 'Dresses •Pantsuits •Nursing Gowns •Maternity Panties •Nursing Bras •Maternity Panty Hose McHenry Market Place Shopping Center 385-4100 Q. What is NOW account? A. Simply put, a NOW (Negotiable Order of Withdrawal) ac­ count, is a checking account which earns interest. Q. When will NOW accounts be available? A. In March 1980, President Carter signed Public Law 96-221 which allowed NOW accounts to be offered, beginning Decem­ ber 31, 1980, in all 50 states. Previously, NOW accounts were only allowed in seven Eastern states: Massachusetts, New Ham­ pshire, Connecticut, Maine, Rhode Island, New York and New Jersey. Q. Will all banks and savings and loan associations be offering NOW accounts? A. Maybe. There is no law that requires that they must offer the service.However, it may be advisable to ask your bank or savings and loan association if they intend to offer NOW ac­ counts beginning in January, 1981. T " * Q. I already have a NOW account at a savings and loan association, how can they not be allowed in Illinois until December 31, 1980 A. Currently, some savings and loan associations offer what is referred to as NOW accounts. However, strictly speaking, these accounts are in reality NINOW's (Non-Interest Negotiable Order of Withdrawal), since these accounts do not earn interest. The Community Concerts association of Crystal Lake welcomes a trio of most talented young musicians Friday evening, Nov. 14, in the season's second concert. The Aspen Soloists, Eriko Sato, violinist, William Grubb, cellist, and David Oei, pianist, will present a program featuring two major works written for this combination of instruments, as well as solos by each of the artists. The program will be presented at 8 p.m. Friday, Nov. 14, at Crystal Lake IvIlN 19 ('Negotiable Order of Withdrawal) South high school, 1200 S. McHenry avenue. HOURS 4507 W. Hiqhway 1 20 ARM^TH0<.»M^ SUN. 1 2 - 4 » A u 4 Across he s t ree t MON. & FRI. 10-9 McHenry (815) 344-5400 f rom Dunk,n Donuts TUES -THURS 10-5