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I PG.2 -PLAINDEALER WED." DEC. 17,1969 Home Buying Prospective home owners of­ ten ask, "How much can a fam­ ily afford to pay for a house?" Glenda Pifer, University of Illinois Extension housing spec­ ialist, recommends that you limit the cost to not more than two and one-half times the fam­ ily income. She also suggests a down payment of 20 to 25 percent of the cost of the house. However, spending more money for housing than the rec­ ommendation can be justified under certain circumstances: --The family has accu­ mulated savings amounting to 40 percent of the cost of the house. --There are few dependents. « --The family's income level is expected to rise in the next few years. --There are no other large financial commitments. Other conditions may also permit a greater outlay for housing. Miss Pifer offers these examples: an inheritance may be anticipated; housing is the family's most important goal and members are willing to sac­ rifice on other items, such as clothing and recreation; or the man of the house can take care of finishing jobs and mainten­ ance. By following these guides you can avoid assuming too great an obligation for your family, she adds. HOME OWNERSHIP Many families prefer to own their home because of the feel­ ing of security it gives them. Since home ownership generally involves a large investment of money in a once-in-a-lifetime transaction, you need to give careful consideration to the cost, the location, the exterior appearance, the interior ar­ rangement and the quality of construction. HOW TO SAVE MONEY ON IN­ TEREST CHARGES You can save money on inter­ est charges by making a large down payment when you buy a home. Each $1,000 of down payment on a 25-year, 8^ percent loan, reduces the interest by about $1,410. On a $20,000 home, for ex­ ample, if the down payment is $1,000, total interest on the amount borrowed costs about $26,790. If the down payment is $2,000, the interest costs about $25,380. 4 \ Overseas Visitors Relate Experience To Teachers SCOUT CHRISTMAS PARTY -- Mai Bellairs of Crystal Lake Radio Station WIVS was guest at the Christmas party of the McHenry area Girl Scouts, held last week at the McHenry Country club. He is shown above with Mrs. Nick (Betty ) Tabor, party chairman; Mrs. Stuart (Claire) Engh, neighborhood chairman; and Mrs. Frank (Avis) Gans, program chair­ man for the party. Mr. Bellairs was active in the scouting movement before moving to McHenry county. A highlight of the party was distribu­ tion of pins to new leaders. PLAINDEALER PHOTO Forty-one members of Alpha Theta chapter, Delta Kappa Gamma society, assembled in the handsome cafeteria, West campus, McHenry Community high school, on Monday evening, Dec. 8, for a pre-Christmas program. Mrs. Dorothy Ullrich, pres­ ident, conducted the short bus­ iness meeting which followed a brief social hour. Copies of the State Visitor's Report were distributed so that members might be better able to act on the constructive and encourag­ ing recommendations made by Mrs. Marcella G. Krueger af­ ter her visit to the Novem­ ber board meeting and initia­ tion ceremonies. An on-the-spot tally of Christmas gifts, wrapped and donated by members, for patients at Elgin State hospital, was made by Carolyn Bauer, chairman, Personal Growth and Services committee. The count revealed a generous 175 pack­ ages. Mrs. Lillian Bolger, chair­ man of hostesses for the eve­ ning, introduced her guest, Mrs. H. Vila Benrud, a member of Junior Girl Foresters Hold Christmas Party The Junior Girl Foresters will hold a Christmas party on Sunday, Dec. 21, in the all- purpose room of St. Mary's school. Each girl is asked to bring a fifty-cent gift for ex­ change. Santa is expected to be pre­ sent and distribute goodies for the youngsters. The party will be held from 2 until 4 in the afternoon. Pi chapter, Racine, Wis. Mrs. Benrud is presently teaching at East campus, McHenry. The two-part program direc­ ted by Agnes Thomsen, current Alpha Theta Program chair­ man, combined the theme of value positions in other coun­ tries, and Christmas music and its place in our culture. Recent visitors overseas were Ruth Vestling, who com­ mented on the place of drama and serious music in English life; Dorothy O'Connor, who traveled alone in Greece to see some of the lesser known, as well as the widely photograph­ ed, location and antiquities; Marjorie Adams, who observed the breaking away from old re­ strictions in the Spain of to­ day. Each of them was empha­ tic in her belief that bonds be­ tween peoples can be developed by these unofficial encounters. To set the mood for the hol­ iday season, May Chesak and Arlene Echternach traced the development of carol singing from its origin in festival mu­ sic in ancient times, down through the centuries to the present. Interspersed with their presentation were five best- loved carols sung joyfully by the members, under tne 8trec- tion of Maxine Kempf. Assisting hostesses included Delores Krueger, Helen Jur- ack, Marion Brolin, Carolyn Bauer, Nellie Doherty, Janet Vierke and Marjorie Adams. Reading a Dickens novel, af­ ter a current best-seller, re­ minds us of taking a walk through a flower garden in bloom, after a visit to the city dump. RENTAL HOUSING ADVANTAGES Rental housing offers two im­ portant advantages: easy mo­ bility and minimum responsi­ bility. It is also a good way to become familiar with a new community before investing in a house. County Women At Extension December Meet Mrs. Elmer Dorn, Cary and Mrs. Katharine Neumann, Ex­ tension ^cfofifcer, home eco­ nomics, McHtenry county, rep­ resented McHenry county at the Extension council chairmen's conference in early December. About 200 county council chairmen participated (in the conference at the University of Illinois, Urbana-Champaign. A- mong those greeting the McHen­ ry county delegation as the two- day conference began was Dr. J.B. Claar, director, U of I Cooperative Extension service. The conference emphasized the importance of program planning in the councils. Delegates ex­ changed ideas on program plan­ ning in small workshop groups and presented their reports. Tips For Consumer If you keep in mind a few general USDA regulations con­ cerning labeling, you can be­ come a better judge of the food value of processed meat and poultry products. Geraldine Acker, University of Illinois Extension foods spec­ ialist, gives some tips on choos­ ing meat products. --If a product is marked All Beef or All Pork, it must con­ tain only the type of meat named. --The term Meat refers only to the muscle tissue of ani­ mals with natural amounts of fat. If the product is called All Meat, it may contain various meats, such as beef, pork or mutton. Read the ingredients statement to learn the kinds of meat included. --If the product contains ex­ tenders, a phrase such as Cer­ eal Added must appear as part of the product name. Products cannot be labeled All Meat if the]} contain extenders. terms ChickenMeator Turkey Meat refer to natural proportions of light and dark meat only. The, terms Chicken or Turkey alone refer to the meat plus skin and fat. --Notice the placement of the meat or poultry term in the pro­ duct name. Products called Beef and Gravy contain more meat than do products labeled Gravy and Beef. Also, you get more poultry in Turkey with Noodles than you do in Noodles with Tur­ key. --A minimum amount of meat or poultry must be included in a product before it can be called a beef or chicken product. For example, Chicken Noodle Soup must contain at least 2 per­ cent chicken. A soup that contains less than the required amount must be called some­ thing like Chicken-Flavored Noodle Soup. Miss Acker points out that la­ bels are designed primarily to protect you, the consumer, so don't overlook their importance when you shop for food. Hospital Notes HARVARD HOSPITAL Richard Pickett of McHenry was a patient the past week in the Harvard hospital. McHENRY HOSPITAL Patients admitted to McHen­ ry hospital during the week in­ cluded Diane Chyllo, Daniel and Michael Lyons, Katherine Low, LaVerne Christiansen, Tillie Freund, Bryce Busby, Barbara Sindler, George Kraymer, Katherine Long, Estelle Kamp- ka, Homero Villarreal, all of McHenry. MEMORIAL HOSPITAL WOODSTOCK Among patients admitted re­ cently to Memorial hospital, Woodstock, were John Doherty and Paul Matz, Wonder Lake; Charles Nabar, McHenry; Stan­ ley Parfrey, Ringwood. McHENRY HOSPITAL Mr. and Mrs. William Man­ gold of Wonder Lake announce the birth of a son Dec." 12. i CAROL JEAN SPRINGMAN ENGAGEMENT TOLD -- Mrs. Paula Springman of 814 N. River road, McHenry, announces the engagement of her daughter, Carol Jean, to Peter Martin Buss, son of Mr. and Mrs. Leon F. Buss, Sr., of 2622 W. Elm-Oak road, McHenry. Both are 1969 grad­ uates, Miss Springman from McHenry Community high school and her fiance from Marian Central. A Feb. 7 wedding at St. Mary's Catholic church in McHenry is planned. SHOW "MICHELANGELO" The film "Michelangelo, the Last Giant" will be shown Wed­ nesday, Dec. 17, at noon in Room A 130 at 7 p.m. in Room D 108 at McHenry County col­ lege. This is an hour long film revealing the turbulent, ex­ citing and often troubled life of one of the greatest Italian High Renaissance artists. The film includes painting, sculp­ ture, and architecture created by this great man. LINDA MACGREGOR ENGAGED -- Mr. and Mrs. Harold W. MacGregor of 916 W. River Terrace drive, McHenry, announce the engagement of their daughter, Linda, to George W. Proesel, son of Mr. and Mrs. Herbert F. Proesel of Grayslake. Linda graduated from Mc­ Henry high school in 1967 and also from Moser college. She is employed in Skokie. Her fiance is a 1963 Mundelein high school graduate and is employed in McHenry. An August wed­ ding is planned. SANTA FOR ALL -- Although the holiday is often thought to be chiefly for children, the spirit of Christmas is no respecter of age, as evidenced by this gala scene in the cafeteria of East campus, where a large number of members of the Senior Cit- MR. AND MRS. DAVID E. SUNDBY MARRIED -- Miss Arlene J. Wilson and Mr. David E. Sundby were married in a pretty home ceremony solemnized at the Sundby residence, 1113 W. Sunset, Griswold Lake, McHenry, on Sat­ urday, Nov. 22. Rev. Raymond White of the Community Meth­ odist church officiated at the 7 o'clock service. Miss Wilson is the daughter of Mr. and Mrs. Thomas C. Wilson of 3303 W. Golf View, McHenry, and Mr. Sundby is the son of Mr. and Mrs. Robert Sundby. Community Calendar DECEMBER 17 McHenry Garden Club -- Christmas Party -- Mrs. Er­ nest Bartz Home--Pot-Luck-- 12 Noon. DECEMBER 18 Court Joyce Kilmer No. 573 --C.D>4_. -- Regular Meeting izens club gathered last week for their annual Christmas din­ ner and party. Santa is shown presenting a gift to one happy recipient, Mrs. Noreen Sorenson. PLAINDEALER PHOTO -- Christmas Party, Gift Ex­ change -- K. of C. Hall -- { p.m. THE HAPPIEST PEOPLE IN TOWN . ARE m THE ONES WHO SUBSCRIBE TO ^ THE ^ McHENRY^. PLAINDEALER! 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