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« Here And There In Business RAE RETIREES - Two recent retirees from RAE corporation in McHenry are Mrs. Myrtle Grever, left, of 615 South Route 31, and Mrs. Florence Hopp, right, of 3109 River Park drive. They are shown with Thomas G. Hansen, president of RAE corporation. Mrs. Grever completed fourteen years and Mys. Hopp, thirteen years. Linda Wigman and Pamela Bialas, employees of the McHenry State bank, prepare to mailChristmas club checks to the over 2,800 members. The checks were mailed Tuesday, Nov. 4 to insure early delivery for Christmas shoppers. 2,800 Christmas Club Checks Are Mailed By Bank Tuesday, Nov. 4, the McHenry State bank mailed in excess of one half million in checks to more than 2800 Christmas club members. Local merchants will be interested in knowing that surveys show approximately one-third of the amount saved is actually used for Christmas shopping and a similar amount is usually converted into, a savings account. The remaining balance is normally used to pay bills or to make a down payment on a major purchase. The Christmas club originated in 1910 and now exceeds 2.1 billion annually. Over 130 million savers had their first contact with banking through the Christmas club program. McHenry State bank Christmas club grows larger each year and the trend con­ tinues to be for early distribution of checks. To insure early mailing next year, the 1976 Christmas club is no open. 5 & L President Disputes Charges On Foreclosures Home foreclosure rates in Illinois are not the highest in the nation, and the attempt by some Chicago-based consumer groups to indicate this is a "reckless disregard of the truth," said Chas. M. Adams, president of McHenry Savings 6 Loan association. Instead, Mr. Adams said that "Illinois ranks twenty-seventh in the nation in foreclosures, and foreclosures on all types of loans are at the lowest point in two years in the state." He further stated, "These con­ sumer groups have misused thirty-day delinquent figures and have called them 'fast' foreclosures. In addition, their data is based on only a quarter of all mortgage loans made and does not include the vast majority of housing financed by savings and loan associations in Illinois." Foreclosure is in the interest of neither the borrower nor the lender, and savings and loans are anxious to apply for­ bearance procedures that will enable a homeowner to prevent default and foreclosure". The view that special legislated forbearance procedures are needed will only increase the cost of making mortgages," he said. Mr. Adams further stated, "Where abuses in the home loan field have occurred in FHA loans, federal regulations have been instituted to clear them up. But to urge upon the public and the legislature mandated forbearance procedures, which most len­ ders are already practicing, is to impose an additional ser­ vicing cost on the mortgage holder. How then is the con­ sumer benefited from this?" "Recent stories on abuses in home mortgage foreclosures have centered on FHA loans, which account for less than 10 percent of all home loans made. The borrower least responsible for foreclosure problems ~ the conventional home owner - will ; be the one penalized with higher costs," Adams said. Public Welcomed Into Lake Region Membership AT CONVENTION Adeline Pedersen and Bobbee McPherson of River­ side Hairstyling studio have just returned from attending the thirty-first annual con­ vention and delegate session of the Illinois Hairdressers and Cosmetologists association which was held at the Holiday Inn East, Springfield. A1 HEARING AID Free Loknlrsf Jbmplete Service on all Makes Custom Earmolds-30Day , Trial on New Aids Try Before You Buy! Maico-Zenith-Radio Ear Qualitone R0BT. STEMLAND & ASSOC. 3937 W. Main St. 385-7661 Behind-the-ear AID mqa Reg. $239 *33 Any girl, boy, woman or man living in the southeastern two- thirds of McHenry county is encouraged to join the Lake Region YMCA. All YMCA participants are either Activity members or Limited members. Persons of any age are eligible for Limited mem­ bership. Limited members are able to register for a wide variety of all activities at usual fees. The minimum age to become an Activity member is 7. Ac­ tivity members receive free recreational swims, free family swims (providing a parent or brother or sister 18 and over accompanies youth in the pool), swimming, instruction classes which meet once a week and begin five times a year with the payment of a small registration fee every ten weeks and a reduced fee for swim classes that meet 2 or 3 times a week. /\AONTGO/V\ER WARD and lower fees for most of the special interest classes. Membership cards are issued after the applicant completes an application available at the YMCA and pays dues for one year. After a year of mem­ bership, everyone is en­ couraged to renew their membership. Members are urged to register for the activity of their choice early. Pictures are needed for membership cards. All members receive the opportunity to participate in free club programs which in­ clude Indian Princess, Indian Guides, Maiden Travelers, Warriors, and Y's Men's, first notification of new activities, and are encouraged to bring one or two guests at a time to recreational swims and one guest family at a time to family swims paying guest fees as required. New activities begin every 10 weeks. They begin in mid- November, late January, early April, mid-June and early September--also every two weeks during the summer for daily swimming lessons. See specific ten-week special in­ terest schedule for details and for summer camping. A comprehensive in­ structional swim program is conducted for youth and adults. Classes meet once a week. In addition,, summer classes also meet every weekday for. two weeks. Recreational swims for second through eighth grade youth are from 5 to 5:30 p m. on week days during the school year and on afternoons during the summer; for high school youth on Monday through Friday from 8 to 8:45 and Saturday at 10 and 12:30; and for adults any time during the hours the building is open. The Y is located on a 19.6 acre site at 7315 South Route 31, Crystal Lake. Changes In Tillage Practices Save Fuel The results of a recently completed energy survey by the State Agricultural Advisory committee indicate 45.5 per cent of Illinois farmers have changed tillage practices since 1970. Sixty-two percent have done so to conserve fuel. Farmers who have changed tillage practices generally are doing more chisel plowing and field cultivating and depending more on herbicide applications than in 1970 while reducing moldboard plowing, disking and crop cultivating. The survey was sponsored by the Division of Marketing and Agricultural Services in the Department of Agriculture, the Department of Agricultural Engineering at the University of Illinois and the Division of energy in the Department of Business and Economic Development. The Illinois Cooperative Crop Reporting PAGE 15 - PLAINDEALER-WEDNESDAY, NOVEMBER 5, 1975 growing one or both crops on greater than four per cent slope. 50 per cent indicated that different tillage practices were used than on more level ground. Diesel tractors generally were preferred for field cultivating, herbicide in­ corporating and disking. Gasoline tractors were preferred for planting and rotary hoeing. A more detailed report, with a breakdown of the nine reporting regions, will be released this month by the Energy Advisory committee. Copies of the summary report are available from the Agricultural Energy Advisory committee, Illinois Depart/ ment of Business and Economic Development, Division of Energy, 222 S. College St., Springfield, 111., 62706. service tabulated the questionnaire responses from 1,500 farmers. The survey was designed to chart tillage practices in an attempt to better forecast agricultural fuel needs and to assess the potential for conserving energy in Illinois agriculture. Other reasons listed for changing tillage procedures were to save time < 69 per cent), reduce cost (62 per cent) and reduce erosion (52 per cent). A majority, 52.2 per cent, reported a moldboard plowing depth of 8-9 inches. The most common depth for chisel plowing was 10-11 inches, which was used by 40.8 per cent of those responding A total of 47 per cent of far­ mers responding indicated they grew corn on land with a slope greater than four per cent and 42 per cent reported soybeans on such land. Of the farmers WHOLESALERS MEET Jack E. Schramm of B & D Automotive Supply, Inc., and his wife, Gloria, returned home from three days' attendance at the seventeenth annual con­ vention of the Automotive Wholesalers of Illinois held in Springfield. Informative meetings covered problems in the growing automotive supply field. Open House At Bell Telephone Wednesday through Friday, Nov. 5, 6 and 7, McHenry residents will have a chance to watch telephone operators at work, see complex equipment in the process of connecting phone calls, and see themselves on a Picturephone R set. The occasion is Illinois Bell's open house. From 6:30 to 9 p.m. the Woodstock telephone office at 227 W. Judd is opening its doors and all of its operations to the public. McHenry residents are served by the Woodstock office. The open house will feature some displays as well as telephone equipment and telephone people, Bell manager Stan Jozwiak said. And after a tour of the facilities, free refreshments will be served. The open house is a rare opportunity for McHenry residents, Jozwiak pointed out. For security reasons, most of the telephone building is or­ dinarily off limits to the public. Refurbishing your Fall and Winter wardrobe? Suits and vests are in fashion for both men and women. They-re great for adapting to changing temperatures, indoors and out. Chances are with cooler weather you'll be doing more roasting and baking. Use the oven energy-efficiently. Prepare all-oven-cooked meals, or use extra space to cook other dishes that can be used later with a little warming up. Independence is some­ thing that the married man brags about. } 4-DAY SALE Wed. thru Sat, Nov. 5 - 8 Simulated wood components and ea*y-to-a«*emble center. Save $100 "Live" sounds from Wards 4-channel stereo system. REG. 399.89 COMB. SQ matrix receiver enhances stereo on FM, records and tapes. 8-track player handles discrete 4-channel tapes. Plus auto, changer, 4 speakers, custom center. 12946 Plastic cabinet. SAVE '100 19 DIAGONAL PORTABLETV P u s h b u t t o n o / f l f t Auto Color tun- ing. AFC. VHF, UHF antennas 88 REG. 449.95 SAVE'20 DUAL MOTOR ("OWERHEAD VACUUM *78 Brush action of an upright, suction of a canister. Tools. Deluxe powerhead, 189.88 REGULARLY 98.00 SAVE *30 EASY-CLEAN 30 GAS RANGE 219 88 2316 REGULARLY 249.95 Lift-up cooktop, re­ movable oven door for e a s y a c c e s s t o b i g spills. Large window, lighted interior. More. SAVE '3 DIGITAL AM/FM CLOCK RADIO Solid state radio with -• /\ nn AFC, lighted numerals. I Wake to music or news. J- REGULARLY 22.99 - SAVE'20 DELUXE 18-GALLON HUMIDIFIER Removable water container ^ 0 0 is easy to clean. Auto shut- | | Qoo off; vari-speed fan. J_ J_ REGULARLY 139.95 ©I»«0J f FAST COOK TIMES Ro.i sf*beef, med timin lb Frozen fish fillet mm 4 baked potatoes 12 mm Gourmet control. •50 off. Deluxe microwave oven with browner, defroster. Q4Q88 JL" ̂ REG. 399.95 650W cooking power4 cuts most cook times 75^ . Auto, defrost cycle, cook guide. 349.95 microwave, 297.00 299.95 microwave, 249.88 269.95 microwave, 239.88 Value. Microwave, 177.00 FREEZER SALE 1 SAVE! Buy a freezer, stock it up and keep on saving. •218 UPRIGHT REG. 22995 $ CHEST REG. 25995 Cold control adjusts to vour needs. Chest has flex-seal to protect lid. Durable... won't crack or chip.- NEED NEW MAJOR APPLIANCES? USE CHARG-ALL CREDIT VALUE CONSCIOUS? SO ARE WE! STORE HOURS: MON. THRU FRI. 10-9 SATURDAY 9:30-5 SUNDAY 12-5 Lake 105 Northwest Hwy. Route 14 Crystal Lake MONTGOMERY WARD PHONE 459-3120 FREE PARKING