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

MONEY SHOPPER By John E. Miller, President , The Money Shops Plan Your Add-A-Room Ever felt the need to bust out the walls of your house to meet the space needs of your growing family? It's a feeling that is shared by many of us and if we decide to do something about it, there are two ways to go: Look for a bigger house, or expand the facilities you now have. Buying another home these days is no easy matter. Yoi^ will undoubtedly get more for your house than you paid for it, but in return, you will • pay more of today's inflated dollars for a replacement. To that, one must add closing and title costs and the pos­ sibility that your new mort­ gage will cost you more in interest money. After determining your needs and deciding that a new house doesn't fit into your plans or your budget, your option is to consider ex­ panding your present abode The first step is to mak<> up rough sketches of what form your expansion will take -- do you need an extra bedroom or two, more closet space, a downstairs powder room, a playroom in the basement for the youngsters on a rainy day, or a family room with fireplace? Check through some of the national magazines for ideas on built-ins, room treat­ ment, and decoration that you may want to incorporate into your plans. Most of these homemaker magazines are available in the library. If your plans include plumbing, these same magazines general­ ly carry illustrations of the latest in fixtures. Be sure to check these items in advance to determine the types and colors you prefer. The next step is to sho'p around for a contractor. Get leads from friends, relatives, or neighbors who may have recently used a building con­ tractor for a home or add-on project and were happy with the completed job. If there is a job under way in the area where you live, you might check with the residents there as to the contractor on the job and the kind of work he is doing. To obtain comparative prices, it will be necessary to get written estimates from at least two contractors. In your preliminary talks be certain to indicate particular parti­ tions, paneling, materials or other preferences you have. All of this should be included in the written estimate. The contractor should indicate starting and completion dates, special requirements you may desire, and such things as * v,;f . ! | . \ , . J j 1 4- . . . mai I I • • " I \ \ removal of debris. These items should also be included in the estimate.. With the estimates in your hands, the next thing to think about is how to pay for the expansion. There's the bank or savings and loan where you may have a savings or check­ ing account, or you can seek assistance and information from a financial adviser at a consumer finance company, which loans money for pur­ poses such as this. A "home equity loan" is a good way to finance the project. Check with your financial adviser for complete details. Simply stated, it is your equity in a home that can be used as collateral for a loan. First make an appoint­ ment with the adviser you select, present your plan and the estimates, and determine loan rates and maturity time. Installment loans may extend from one to seven years, de­ pending on the state in which you live. Rates will vary, too. When you are satisfied that you have all the infor­ mation you need, ask for a loan application. You will have to supply your name, address, age, plact' of employment and how long you have worked there. Other information will include: your income, present debts, and other loans you may have already paid. Once the loan and terms of payment have been de­ cided upon by you and the loaning agency the amount of the loan is turned over to you. It will be your responsibil­ ity to pay out the necessary funds to the contractor as the jobs are completed to your satisfaction. In many cases your finan­ cial adviser will supply you with a payment book con­ taining a series of coupons which you return on a certain date each month with the regular payment. This will include part of your principal plus the interest. When your expansion pro­ ject is completed and the decorated and furnished room or rooms are ready to be lived in, feel secure in the know­ ledge that you did the job correctly. You can enjoy the extra comfort -and con­ venience and knd^w that it will improve th^ saleability of your home. SKCTION 2 - PAGE 3 - PLAINDKALER - FRIDAY, DECEMBER 8, 1978 I Early American colonists painted with a milk solution in which blueberries had been boiled to obtain a gray color for houses. Ii> JOSI IMI COOI.S sldt l />\ | < l lnhni is l news from the Family Service and Mental HeJ»'»h Clinic of McHeyy County (Editor's note: This is another in a series of especially written articles for McHenry County readers Joseph Cools is a psychologist on the Family Service & Community Mental Health Center staff This ar­ ticle is "Coping - The True Believer") ( People are as incredulous over the tragedy in Guyana as they were over the "family" of Charles Manson Brutality of this proportion is beyond the grasp of most-people because they view only the end product, the disaster itself, without considering the months and sometimes years of brain­ washing that leads to the ultimate tragedy It v^uld appear <Phat three ejjyw^nts are necessary for such a fanatical devotion to an individual or cause that would cause people to perform in such an inhuman manner. If one of the three elements is missing, the formation of a "cult" is impossible First. there is a leader who has both a forceful, charismatic personality and an instinctive knowledge of how to control people The leader must have either a fanatical devotion to a cause, or simply have an insatiable need for power. Even in a leader who has an honest devotion to a cause, the resulting power is so seductive that often the "cause" is lost and the pursuit of power becomes an end in itself. Another necessary condition for cult formation is an intense need in the individuals of the group for acceptance The need to be "taken care of" can be so strong that once it is met the individual willingly gives up his or her identity and humanness Many former cult followers speak of "brain washing" This is basically a giving up of in­ dividual identity with a com plete emotional involvement and identification with the leader The last element in formation of a cult is the pressure of the existing cult members on new members While it is usually possible to retain standards and beliefs against the arguments of one person, it is almost impossible to resist the pressure of a group Ex­ periments have proven that individuals will cease believing their own perceptions when confronted by group pressure to the contrary When the three elements combine, the cult follower, or "true believer" can become anything that the leader decides Next: Children's Christmas Gifts QUICK QUI Are you alive to the latest on livestock and meat prices? This quiz can help you tell: Iteasn Americans consume about $45 billion worth of meat. How does that compare with the beginning of the decade: (a) lower (b) double (c) about the same? 2. If antibiotics were banned from livestock feed, animals' health would probably (a) im­ prove (b) decline (c) stay the same? 3. Eliminating anti­ biotics from the diets of cattle, pigs and chickens would cause meat prices to (a) increase (b) de­ crease (c) stay the same? 4 Keeping antibiotics out of livestock feeds would cause the cost of raising cattle to (a) in­ crease (b) decrease (c) stay the same? jaisej MOJ8 oi qgnoua AqijBaq aniBO aqi daa>j d|aq s3i}oiqi-)UE asneoaq Aaoap sjoiEuas pue uaiussajBuoo pauaaouoo AUEUI se pue sasod -ojd uonejisiuiuipv 3tuq puB pooj aq} se 'pa-jeuiujqa ajaM soiioiqiiuK aq; JI paaj ajoui JOJ Aed O} aAeq pjnoM 'uoissajdap aqi aauis uaaq SBq aq ueqi passajd pjeq ajoui ApBaijE 'jauiiBj aqx (b) > saoud asiej oi spua-j leqj |IV IRaui jo A|ddns aq] 3uijiuii| pue Luaqi asiej oi ajoui iauiJEj aq} Sui^soo 'qgnoua MOJ3 O} asaqi JOJ jaguo] a^B^ pjnoM ji pue 'Aq^jBaq la^jBtu aq; qasaj p|noM jaMaj 'soiiotqiiuE aABq },upip S|EUIIUB aqi j] (E) •£ sascastp gui -pBajds pus Suiqa^BO UIOJJ S |EUUUB daa>( d|aq sai^oiqi^ue (q) Z s,0L Ajjsa aqi ui pep a/w SE }Baui jo q;joM SJBJ|op AUBLU SE aaiM] inoqp auinsuoo aM Moqs SOI^SIJBJS ajrinnaijay jo ^uauiiJEdaQ §n (q) I SH3MSNV iiilli Anxious to make the right arrangements for your wedding? The details fall into place after a Welcome Wagon NEARLYWED PARTY We have some lovely gifts for you. Plus useful suggestions and helpful information from a wide range of wedding professionals. Call and let's reserve a place for you. Carolyn Farrington m usually at home 385-7980 The Bride couldn't Wait To Get To Southgate Fabric Center!! "It's so nice, I just had to stop by before the reception." WHY DON'T YOU STOP IN AND SEE WHY SHE FEELS AS SHE DOES "We Care About You" Southgate Fabric Care Center 810 N. FRONT ST. McHENRY, IL 385-9517 OPEN 7 MVS 7AM TO 10PM whv pord-chevboilet? MOBt f?* . B.u" Wow Idn't V®» re ally ra HOuRf DatW 9'® Sat. 9 5 Open Sundav DECEMBER V-6 FnS>ne , 3 SPEET „ Flo v«MU*uo" sSJJSjsasw' Sales 1 "»x- $4750 ^ ̂ NV B0/ Out Serv.ce Depar C L tment S O U T H R O U T E 1 2 £ ElfCTMS L'SABKCS [STATE WACOHS OUR or BVJ\CfcS fOR r% 91 | > g , | l SKYHAp Babejv •"•"SmAk BuidU22l3e YV ATTENTION GM OWNERS SAVE 20% all SERVICE LABOR DEC. 11 THRU DEC. 15 MUST CALL FOR APPOINTMENT from TONES MUSIC 1 ELECTRONICS SONY VIDEO RECORDERS & TWPI0NEER STEREO C0MP0NENTS*FISCHER COMPACTS-CRAIG CAR STEREO PANASONIC STEREOS & CLOCK RADI0S*BEARCAT POLICE RADI0S*REC0RDS, TAPES, ACCESSORIES WATCH THE SHOWS YOU WEREN'T HOME FOR AT A PRICE YOU WONT WANT TO MISS. f * $26,s J No. TRL2851 "Exclusive Caprice Brand" AM/FM Digital Clock Radio •Finely Finished Simulated Woodgram Cabinet •Vernier Tuning •Wake to Music or Bu«er Alarm •Backlighted Time Display Caprice AM/FM Solid State AC/DC Portable Radio Precision Engineered Designed to operate trom AC current or 4 pen light batteries Model NF 128 Includes taiphone Batteries Not Included With Sony Betamax SL-8600, you can actually record your favorite shows when you're not home. So then you can watch them when you get back Betamax also records off on channel while you watch another, up <to three hours, in fact with our new L-750 video tape. 00 T O N E S NOW 995 MUSIC | ELECTRONICS 385-4646 »>Ov Conveniently Located on Rtes. 31 & 120 McHenry, III. (Across f rom Jewel) AREA S OLDEST & LARGEST MUSIC & ELECTRONICS h SHOPPING CENTER ( SINCE 1964