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if The Perfect Christmas Gift way to "" PANTS PLACE I for homeowners, landscapers. campground operators rental agents, and professional firewood merchants Poutan Chain Saws and Poulan mm rearing uwwruuwn Sprocket riose Dar and Chrome cuttino cfta LOG SPUTTERS MODEL SUPER 25DA 14 SN ? 3 cubic incf) engine Automatic manual oiling All position caiDuietoi 100% Dcanng constiuction clam Vou can , Bani-i on it! I'nsrtilfd hv STATE BANK OK RICHMOND im inht r ^ 11.1.4 . 1 After a family pets through | paying ail of its bills each j month the money >eft over is often referred to as "dis cretkonary funds" Literally. | you car do with them what | you want without leopardiz | ing the family s normal ' finances While vacations, enter- j lAinment and the like figure in I the use of discretionary funds, fc family would be wise to devise a plar. to use them to : create financial health for the I future. It has been recommended that a family have the necessary funds to operate the household -- that is. pay all its bills - for three months in a savings account. A portion of this can be in passbook savings and the remainder of it id certificates of deposit, which generally pay a higher interest rate. Once this basic fund is established at the bank, the family can then start thinking about insurance programs, an investment portfolio, taxes and estate planning to assure a healthy financial future. THE PLACE FOR WORLD FAMOUS NAME BRAND FASHION JEANS AND TOPS FOR GUYS AND GALS. . . . WILL BE OPEN SUN., CHRISTMAS EVE 11:00 am - 5:00 pm LOCATED JUST EAST OF THE FOX RIVER ON RTE. 120 2913 W. RTE. 120, McHENRY 385-6788 Poulan Chain Saws as low as '19" Poulan Log Splitters as low as *449" "THE HOUSE THAT SERVICE BUILT" George P. Freund 4102 W. Crystal Lak« Rd., McHenry 385-0420 HOME BUYER 5:00 p.m. til 10:00 p.m. Saturday - 5:00 to 11:00 p.m. Sunday - 4:00 to 10:00 p.m. By William J McAulifft.Jr Executive Vice President American Land Title Association energy savins •team YCUT&SPUT your own FIREWOOD CLINIC MODEL PLS 26.10R LOG SPLITTER 26 log capacity b H P Biiggs & Suatton engine 10 ton splitting torce High#ay tires & twtcfi LIVE ENTERTAINMENT Tuesday thru Saturday Featuring MICKY KLESPER from Europe on the Big Lowery PHONE 943-6153 For Reservations I'AtiC * -1-< \IMMv\lJER - FRIDAY. DECEMBER 22.1978 BUILDING 1 1 1 PERMITS I Construction Unlimited Inc 10 W Terra Gotta Ave.. Crystal Lake, for a four bedroom residence at Shenandoah Dnve with an approximate value of $47 000 Nunda Township Fee--S2.* 40 David Fllerth 230 Fioranee. Crvstai Lake for a four bedroom residence at 7217 Great Hill with an approximate value of $55,000 Nunda Townsh ip Fee $243 Ken Thomas. .1007 Carman Ave . Crystal Lake, for a three bedroom residence at 7413 Salem Si McHenry Township Fee -$221 Clyde V* Dickson. 518 Dowell ,Road McHenry, for a ftfur- bedroom residence at 523 Darrell Road with an ap proximate \alue of $65,000 Nunda Township Fee--$250 Richard Kotiw. 1009 Edgewood Drive. McHenry. for a two bedroom residence at 2810 Chestnut St with an ap proximate value of $50,000 McHenr> Township Fee -$ 196 Kenneth W \dkms. 3413 Ridge Rnad Island l^ake. for a throe bedroom residence at 18l(« Orchard l>ane with an approximate value of $51,500 Nunda Township Fee1 $211 James Huddleston 2305 Fulle St Rolling Meadows for a three Nedroorr, residence at 108 Poplar St * llh an approximate value of $48,000 Nunda Township Fee--$170 I rban Bauer Ramard Mill Road Ringwood. for a three bedroom residence at 5914 Barnard Mill Head. Ringwood. with an ap­ proximate \alue of $50,000 McHenry Township Fee-$36 Rest of fee waned farm exemption Brittany Builders 1903 S Route 31. McHenry. for a four bedroom residence at 6115 Springs Blvd with an ap proximate value of $80,000. Nunda Township Fee $246 Helen Andrychowski. 2509 S Maplewood Wonder l^ake for a three bed room residence at 5305 Fatton Drive. Wonder Lake, with an approximate value of $45,000 McHenry Township Fee $245. Holiday Homes Inc , 22233 White Pine Road Kildeer. for a three bedroom residence at 7808 Wooded Shore Drive with an approximate value of $32,000. McHenry Township Fee $230 l^eonard R Schroeder. 107 Rosebud Ave . Crystal I^ke for an alteration at 519 Emerald Drive with an ap proximate value Of $1,200 Nunda Township Fee $39 Raymond E Kuemmel. 616 N Country Club Drive. McHfnry. for an alteration with an approximate value of $2,500 McHenry Township Fee $16 Howard Leonard. 2409 Club Road McHenry. for an addition with an approximate value of $24,000 McHenry Township Fee $61 %> Ron DeMarco. 2108 Coley Drive. McHenry. for an ad dition with an approximate value of $10,000. Nunda Township Fee $53 Dr Robert I Wier. 4720. N. Lincoln Ave . Chicago, for a pole type horse barn on fcay Road McHenry Township Fee $167 Richmond Hunt (Tub. 5016 Route 173. Richmond, for a storage addition with an ap proximate value of $500 Rich­ mond Township Fee--$78 Timely Advice The best thing that parents can spend on their c h i l d r e n i s t i m e - n o t money. -Times, Marshalltown, la. No Argument There isn't anything that can be sliced so thin that it has only one side. -Independent, Waverly, la. SPECIAL CHRISTMAS PRICE J33500 LEE & RAY ELECTRIC 1005 N. FRONT (S. RTE. 31) McHENRY, ILL. 385-0882 EVERY SUNDAY SURF & TURF all at reasonable prices The Finest in Dining Phone Excise Tax Down There will be another reason to celebrate the new year. The federal exicse tax on the telephone service will drop from its present 4 percent nate^ to 3 percent Jan. 1. Thisrts a further step in the gradual phase-out of the tax. which is being reduced 1 percentage point per year and w ill cease to apply after 1981. Congress first imposed the excise tax on a limited basis during World War I Although repealed briefly after the war. it was reinstated during the depression and has continued since then on a more extensive basis. During the 1940 s and 1950 s, the rate was as high as 15 percent on local service and 25 percent on long distance ser vice. From the mid-1950 s until 1972. it was 10 percent on most local and long distance ser­ vices In 1973, and each sub sequent year, the rate has been reduced by one percentage point. Champagne Punch l ' j c u p s s u g a r 1 cup strong black tea Pi cups orange juice Rind of 2 lemons, thinly sliced 4 cup lemon juice Sania (Ray Roach) and his elf (Teresa Branham) delight a young resident of the Pioneer center. McCullom Lake, who seems entranced by the gift brought for her. Ray and Teresa are students at Mcllenrv's Alternative school.. STAFF PHOTO-W AYNE GAYLORD 1 cup light or dark rum 1 fifth (26 oz.) champagne, chilled Fresh orange slices and mint sprigs (optional) Dissolve sugar in tea Add orange juice, lemon rind and juice, and rum Chill Just before serving, pour rum mixture and champagne over ice in a punch bowl Garnish with fresh orange slices and mint sprigs, if desired Makes 2 quarts or 16 (4 oz 1 drinks Wise Monkey A wise monkey is a monkey who doesn't monkey with another monkey's monkey. -Coast Guard Magazine. Higher Deductible, Lower Cost Want to save money on your home insurance premium'.' The Insurance Information institute makes this suggestion tell your agent or broker to increase your "deductible " Your deductible is simply an amount you agree to pay before your insurance company takes over 111 case of a loss If you have a $100 deductible and you have a $369 insured loss, you pay the first $100 and your insurer pays the other $269 By increasing your deduc­ tible. you'll assume the responsibility for a greater share of any loss BIT, you'll also pay less for your coverage A $250 deductible costs about 10 percent less than a $100 deductible A change from a OPEN For LUNCH .. Monday - Friday 11:30 to 2:00 p.m. $100 to $500 deductible will result in a saving of about 20 percent Insurers introduced the deductible many years ago as a means of precluding millions of small claims which would be almost as expensive to process as the big ones The idea is to keep the cost as low as possible for insurance that will pay the larger losses that most people aren't in a position to absorb In this day of ever rising prices for most things you buy, higher deductibles are one way vou can economize 'Shake 'em Up' Snow Scenes Remember the "shake em up snow scenes in a jar0 You can make one Use an ordinary food jar with a tight fitting lid Jars from baby food, mustard, honey or cocktail cherries are good Remove the label and glue with warm water and a scouring pad Press a mound of florist 's clay inside the jar cap and secure, decorative items that will not react to water onto the clay Small plastic snowmen small toy figures, plastic flowers or old pieces of tree ornaments are ex­ amples Drop about a teaspoon of camphor flakes into the jar and fill the jar with water Insert the decorated cap and screw the cap on securely, then shake and watch the snow settle loosing Your Mind One tourist went to Las Ve/fas u ith no money m ailable to nam hie After u atchin^ the names for a feu hours and Kambltnn "men tallx," the man had lost his mind' HERITAGE HOUSE Rtes. 14 & 231 HARVARD EVENING DINNER HOURS Monday - Friday LTLr-̂ f3J U is a baked potato in 4 to 6 minutes, iasagna in 20 minutes, a hot dog in 30 seconds, or a pineapple upside-down cake in 10 minutes. Yes, the Whirlpool RFM 7300 microwave oven can do all these things, and more. FRIDAY FISH FRY they were living in real estate that he owned. The man alleged that he and his late wife had signed the property over to their attorney's secretary in trust at the lawyer's suggestion some 40 years earlier, while remaining beneficial owners. In subsequent years, the real estate changed ownership a number of times and both the attorney and his secretary died. Since the couple had ob­ tained owner's title insurance at the time of their real estate purchase, title company per­ sonnel checked public records and determined that the home had been in the name of the man's late wife--aiid that she had been paid wtyen the property was sold. AH subsequent ^transfers of t^ie real estate wjfere in order and the claim of the man was without substance. The title insurer paid at­ torney fees and costs incurred in defending against the claim to prevent financial loss to the couple and preserve their home ownership. -For free information on home buyer precautions, write American Land Title .Association, Box 566, Wash­ ington, D.C. 20044. is a MEAL MINDER * variable power control that lets you adiust tffc average cooking energy levels to the type of food being cooked, heated or defrosted. A MEAL SENSOR * temperature probe that permits cook­ ing by temperature rather than time. A Whirlpool Micro Menus cookbook, in­ cluded with purchase. o>/ c *-7 r*i rl <=tl o. is the quality that Whirlpool builds into the RFM 7300. The FREE Cooking School we include with purchase. The low introduc­ tory price Not to mention all the nutrients you'll be eating instead of cooking away. *Tmk Includes Soup, Salad, Rolls, Butter, Choice of Potato Pancakes, French Fries, or Parsley Boiled. SURPRISE CHALLENGES Home ownership generally is an excellent long-range in­ vestment but may be subject to unexpected challenges. Your mortgage lender is well aware of this, and routinely specifies precautions to pro­ tect his investment in your property. Advance safeguards are 1 recommended for the buyer as well. The need for precautions was emphasized for a couple the mid- ;• ' west when-- J^Bl several years after purchase of a yj^H h o m e -- a n man paid a sur- •• prise visit McAuhffe and cIajmed