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

PG. 16 - PLAI NDEALER- WED. jM 8, 1969 Tjke Wffttu I Clinic - J QaQaCWQQDaOQBOaQOODaOqBBBBOOBaflBBaapQBBflOQflqaBHOBBBBBHBBBBB I By - George W. Crane, Ph.D., M. D. CASE H-582; Polly 4, is a problem. While her parents were visiting at a dinner party, Polly sat at the table, propped up on a children chair by means of a couple of large books. It was a family dinner so platters of food were passed around. When a large bowl of mashed potatoes arrived, Polly jabbed her fingers into the .buttered potatoes and seized a handful, after which she squeezed them gleefully.. Her mother shook her head sadly and added: "I just don't know what I am going to do with that child!" Well, most of you mature adults could have told her! For a cardinal law of child psychology is this: "Always reward the good and always penalize the bad, but never let an exception occur." That is a basic rule of the animal trainers. And animal trainers differ markedly with Dr. Spock and those other glib advocates of ultra permissiveness. The first two times that Polly ever violated good table etiquette in this crude manner, she should have been verbally corrected. The third timppwiap the back of her hand smartly till it hurts. The Bible's "turning the other cheek" thus gives her two chances! But God Almighty expected pain to be our best teacher while we. are young. Proof? | God thus implanted more pain receptor cells in our skin than heat, cold or touch cells. For pain is an efficient tutor and should be used early. Then a child will not make the same mistake a second time. Pain is also a speedy teacher. If a child touches a hot iron, that one instance of burnin&will generally suffice all its life. It doesn't need a repetition. Corporal punishment is thus the ally of all smart parents. But it should be used judiciously. / That means don't rely on the switch when ^ftnple psychologi - cal strategy will avoid the original error. For example, you know that toddlers reach for everything they can touch and pull off a table. So don't expect to have innumerable scarves and bric-a-brac oh open shelves to tempt such a youngster. Strip the deck when you have young childre^twith a minimum of enticement? Then teach him to respect the latter. But don't use a heavy blow to his buttocks, which could dislocate his spine. Instead, just give him a snap of your fingers. For it is a quick, smarting pain that warns the youngster of his mistake, more than a broad, slow moving smack. And link the pain as quickly as possible with the naughty deed! An engineer friend of mine thus wired his kitchen gas stove so his toddler son would get an electrical shock when he tried to turn on the gas jet. This worked far better than its mother's warnings that it might die or get asphyxiated, etc. For toddlers can understand the language of pain, but may not always comprehend adult vocabulary! So send for my 200-point "Tests for Good Parents," en- P., aged closing a long stamped, return envelope, plus 20 cents. Parents \who use sense" rarely" have delinquent (Always write to Dr. Crane in care of this newspaper, enclosing a long stamped, addressed envelope and 20 cents to cover typing and printing costs when you send for one of his booklets.) STUDS-CHAINS EVALUATED BY SAFETY GROUP While studded snow tires materially increase both stopping and pulling ability on glare ice, the greatest improvement is achieved J>y using reinforced tire chains, according to a University of Tennessee researcher, Prof. E. A. Whitehurst. Speaking here before the an- \nual meeting of the American Society for Testing and Materials, Prof. Whitehurst reported on the 1967 and 1968 test projects of the National Safety Council's Committee on Winter Driving Hazards at Stevens Point, Wise., of which he serves as director. These tests also disclosed for the first time that when these traction devices--studded tires rand chains--are used on the rear wheels only, the cornering capacity of a vehicle is not materially improved. "With studded tires on the rear wheels the cornering speed of the test vehicle was increased 6 per cent; with reinforced tire chains on the rear wheels, 10 per cent," Prof. Whitehurst said. " When studded tires were used on all four wheels, however, the cornering spe6d was increased by 24 per cent." Since studded tires are normally used on the rear wheels only-, Whitehurst explained that tnis practice could subject drivers to a hazardous-situation ur turning maneuvers. "Because of the increased stop-and-go traction provided by studs when used on the rear wheels only, the driver may eas - ily be misled into feeling that this added traction will help on •a curve, only to discover that the front end of the vehicle skids out of control, a phenomenon with which he is probably not at all familiar. This type of situation may indeed cause him to slide through an intersection where he had attempted to make a turning maneuver," he cautioned. "For this reason," concluded Whitehurst, "it is recommended that those who use studded tires should have them installed on all four wheels instead of )on the rear wheels only as is "customary. But whether they use studs.- or chains they should slow down on icy road surfaces." _ Barber Shop ^0 • Hair Coloring ^0 • Hair Styling £ • Hair Pieces • Razor Cuts JAXE by appointment 886-7711 lee I Ray DRYER SPECIAL Look at features by sHOTPOINT • Only 27" wide • Porcelain top • Automatic Dry / Cycle e Safety start switch • Permanent Press Cycle • High HeaT^bo^ Heat Air Fluff • Electric ignition on Gas model $166 oo with trade LEE and RAY ELECTRIC 1005 N. FRONT ST. DIAL McHENRY, ILL. Free Parking 385-0882 A REPORT to the COMMUNITY A financial institution can not really be successful and prosper unless the community it serves also prospers. Nor c^an a community prosper if there are not adequate services, provided by a( strong commercial bank. The Greater McHenry Community and the McHenry State Bank have grown and prospered together during the year 1968. The progress made by a bank is only a reflection of the progress made by the Community it serve s. It is 'pride in this community that prompts the publishing of this abbreviated report 911 the progress of your bank during 1968. ^ ' We have faith that Greater McHenry arid the McHenry State Bank will continue to grow during the year 1969.- Because of the achievements of the past and the faith in the future we will continue to strive for ^methods t o serve you better to continue ^ to merit your patronage. , * - During The Year 1968 YOUR BANK \ made 6832 loans (new and renewals), including" two and one half million dollars in new Real Estate Loans on homes and business properties in the McHenry Area. Also, almost one million dollars in *new auto loans were made during the year. / YOUR BANK opened more than 2700 new Savings accounts that increased the total savings deposits by more than three million dollars and also started 1672 new checking accounts that totaled, in excess of two million dollars. YOUR BANK issued more than 40,000 bctnk chccks and money orders and handled'over 4,500,000 separate items. \ - , YOUR BANK paid over $700,000.00 in interest, to savings depositors. 1 _^V YOUR BANK * paid*$343,000.00 in taxes of Which about $40,000.00 wits paid in local taxes to help support our Schools and local governments. YOUR BANK'S totjal resources increased. almost seven million dollars in the last year. YOUR BANK « put all checking accounts on computer tp insure continued fine service. Installed a time and temperature clock for customer information. Installed 313 new safety deposit boxes. Made additional facilities available on Friday Evenings from 4:30 to 7:30 p.m., including safety deposit 1/ault, installment loan department and savings department. «V ' ^3T Condensed Statement of Condition as of December 31, 1968 RESOURCES Cash & Due From Banks., CASH represents the money we keep in our vaults for security and convenience. DUE FROM BANKS is money we have on deposit in The Federal Reserve/6^nk and city banks, payable to us on demand. Oui 'intacts with these banks enables us to handle your banking transactions to any part uf the world. LIABILITIES $3,606,428.51 { U.S. Government Securities U. S. GOVERNMENT SECURITIES arc treasury obligations of spaced maturity These bonds are readily marketable and Convertible to cash. ,072.54 Other Bonds & Securities OTHER BONDS & SECURITIES are municipal bohds and warrants and other high rated bonds ol short maturity. As another safeguard for your funds, this bank, purchases only securities of the highest quality. $2,664,094.95 Loans and Discounts ... LOANS and DISCOUNTS represents money we have loaned to qualified borrowers in the community. These loans, the largest percentage of ifiem to our deposit customers, have been^made to finance over 1500 homes, for automobiles, farm machinery and livestock, g<ppliances and many other items. f). $20,186,187.58 Banking House & Fixtures BANKING HOUSE and FURNITURE *nti FIXTURES is the cost, less depreciation, of our buiMing and equipment. $650,211.56 Other Resources . . . interest accrued on Securities purchased * 3 $38,796.71 TOTAL RESOURCES ... $39,680,791.85 Capital Stock & Surplus. These two figures combined, CAPITAL STOCK and SURPLUS represent the stockholders or owners investment in the bank. Your bank is locally owned, managed and operated under the supervision of the Federal Deposit Insurance Corporation and is examined periodically by the State 'of Illinois and the Federal Reserve Bank. $1,800,000.00 Undivided Profits . . . UNDIVIDED PROFITS and RESERVE ACCOUNTS are additional protection for you. $389,745.46 Reserve Accounts . . . We accumulate reserves much as you would insure yourself against unknown losses. $750,000.00 Demand Deposits ... DEMAND DEPOSITS -- this figure is the money you have deposited with us as individuals, corporations, city, state and Federal Government Deposits. These are called checking accounts. We render a statement on each account every month (excepting on special accounts) and each account is insured by the Federal Deposit Insurance Corporation. $13,119,258.70 Time Deposits . . TIME DEPOSITS are savings accounts which are not subject to checks but are readily available. These accounts draw interest at the rate of 4% and up and are also insured by the Federal Deposit Ins. Corp. $22,464,778.20 Other Liabilities . . . $1,157,009.49 OTHER LIABILITIES -- inconje collected to be earned. Total Liabilities . . . $39,680,79'1.85 This statement is published for your information. We ask that you compare this statement of condition: with statements of financial institutions and you will agree. v other THERE IS NO SUBSTITGTE FOR "MONEY IN THE BANK" Your bank is staffed by your neighbors, mdny of whom attended various banking schools during the year, which enable them to serve you better. The 13 officers, 35 full-time, and 20 part-time employees represent such areas as Wonder Lake, McCullom Lake, Johnsburg, Edgebrook Heights, Richmond, Lakeland Park, Spring Grove. Kent Acres, Pistakee Highlands, Sunnyside, Pistakee Bay, Wauconda, Fair Oaks, Orchard Heights, Val Mar Estates, Fox Lake, Eastwood Manor, Highland Shores, Maryville Heights, C6untry Club Subdivision, Cooney Heights, Hickory Grange, Hunterville Park, Shalimar, Worthmoor, Pistakee Terrace, and Other areas in and around McHenry. THEY INVITE YOU TO LET THEM SERVE YOU BETTER IN 1969. McHenry State Batik "Your $40,000,000 Bank" Member Federal Deposit Insurance Corp. * Member Federal Reserve System . . McHenry, Illinois FREE Parking While Banking " 385-1040 A FULL SERVICE BANK ^OCWOOOOQOflgOOQOQOCOOOOQQOflOOOOQQOQOOQQOQQOQflOOOOOQgOOBgOCafiWgOOBOBOOOCXaOqOgOBBaflOBQflBflBQBBBBu! [