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Past 65 He buys Time Deposit Certificates Q. -- "Some of your readers may want to know why so many people buy time deposit certificates instead of Treasury bills. I can give the answer. Treasury bills are for war and armaments. v Time deposits are for peace. Am I right?" - James W. A. -- No. Treasury bills are f e d e r a l g o v e r n m e n t obligations. I don't think our government is for war. Q. - "The 80-year-old loner who wanted advice on what kind of pet -- dog, cat, parrot -- he could best live with, should rent a pet from a pet shop before he buys, so that he won't be stuck with an unwanted pet." -- Nancy. A. - Thank you, Nancy. Q. - "A friend of 86 used to know two poems that he can't recollect. Can you quote the words to 'Face on the Barroom Floor' and 'College Oil Can,' please?" -- Kathleen J. ,A. -- Here is one: "Say, boys, if you give me just another whiskey I'll be glad, And I'll draw right here a picture of the face that drove me mad. Give me that piece of chalk with which you mark the baseball score, You shall see the lovely Madeleine upon the barroom floor. "With chalk in hand the vagabond began To sketch the face that well might buy the soul of any man, Then, as he placed another lock upon the shapely head, With a fearful shriek he leaped and fell across the picture-- dead!" I can't find the words to the other so-called poem. Does anyone out there know it? Q. - "My grandmother of 84, recently widowed, would like to find another single lady to live with who might help her with cooking, etc. She does not want to go into a nursing home because she wants to be near my mother. Can you help us find someone?" -- Vana O'B. --A. - Have your mother take your grandmother to the County of Riverside Office on Aging, at 3601 University avenue. And be careful about selecting roommates. The wrong choice can mean great trouble. Q. - "The guy who you wrote about who said he couldn't get a job at age 46 because he was being discriminated against on account of being too old, must be nuts. He just doesn't want to work. I am now 78 and still working even though I have a retirement income. I never was out of a job. Do you understand what I mean?" -- Peter Van J. ' A - I do. Your attitude is heartwarming. Q. -- "I am 56. My husband has been on SS disability since 1963. An accident left him with irreversible brain damage and the medical classification of 'a living vegetable.' He has to be diapered, turned over in bed and fed. Our youngest child will be 18 soon and then he won't receive SS payments. How can I continue taking care of my husband when I cannot live on hi*> SS disability, check? Arid how can I find out how soon I can start drawing on my own SS and how much? -- Velma W. A. - It will be 1986 before Velma is entitled to SS payments based on her own earnings record. SS should be able to help her on the problem of disability payment, but what I think she really needs is expert local advice. She could go to two places - her county social services bureau, and the Area Council on Aging at 125 Eighth Avenue, Telephone: 687-4283. Either or both of those places should go a long way towards solving Velma's problems. Q. -- "My husband is 62 arid received early retirement of 80 percent A am 65 and have been receiving my earned allotment since my own early retirement, However, I have applied for one-half of my husband's allotment, which would then be more than I am receiving now. Am I entitled to" one-half of his 100 percent allotment that he will receive at 65, or only one-half of his present 80 percent check? I have also been told that my pension will reflect his Social Security number rather than my own. Is this correct?" Mrs. Frank R. A. - No. You are not en­ titled to one-half of what would be his 100 percent allotment if he had waited until 65. He will not receive more at age 65 except for cost-of-living increase. If, unfortunately, you are widowed in the years to come, you then will receive 100 percent of what he would have received at 65. It is your number that should be on the SS check, not his. Write to Carl Riblet, Jr. at Box 40757, Tucson, Ariz., 85717 for information and advice on questions you may have as an elder citizen, with self-addressed, stamped envelope. All questions will be answered, either direct or in this column. Local Student Tours With Symphonic Band Sophomore John W. Frett, son of Mrs. Carol E. Godina of Wonder Lake and Walter Frett of Johnsburg will tour in three states with Valparaiso university^ symphonic band. One of five bands at VU, the symphonic band, under the direction of James Klein, is composed -f ^0 studcr.is from all departments and colleges within the university. It has toured extensively throughout the midwest, eastern states and Florida, as well as having played for the national convention of the Music Educators National con­ ference. Citizens Caucus To Provide Voter Forum T7 According to the AMA, beer can make hair easier to set if used in the final rinse. On march 18 the voters of the 13th Congressional district will be faced with a perplexing problem. There will be 34 candidates running to fill 8 positions as delegates and alternates to the Republican national con­ vention to be held in August in Detroit. Most of the candidates will be unfamiliar to the average voter. Also, to make matters worse, there will be no in­ dication, on the ballot, as to which presidential candidate the delegate candidates will be committed. So, unless the voter has done his homework or knows some of the can­ didates personally, the selection of the delegates to choose the next president will not only be multiple choice but multiple guess. To help resolve this problem, the Citizens Caucus would like to provide a forum, to which the public is invited, for the candidates to express their opinions on the selection of the next president and the construction of the Republican platform. The debate will be at 7 p.m= in the Blue Lecture hall at the College of Lake County, Friday, March 7. The public is invited free of charge. Donations will be accepted. • * * * With life demanding more and more machines it would be a good idea to build some of them to last longer. • * * • The political gassers are working overtime jthis election year, and by fall the average voter will be thoroughly confused.* Today saving your money is easier said than done... but We Can Help! r «il • vO.'. -4' The road to saving money is paved with good intentions. However good intentions are not enough. A lot of folks would like to save, but they just can't seem to find their way. That's where we come in. At Marengo Federal we're making it our business to help you ... just like we've helped thousands of McHenry County residents over the past fifty-four years. For example, one good way to save is to set aside a fixed amount of your gross pay each pay period. We can help you determine what amount is right for you. to suit your budget and your goals. Another good thrift habit is to pay yourself when you're paying your bills Just write yourself a check each week or month and send it via our free save-by- mail envelope. We will promptly deposit it into your savings account. And if your money is received on or before the tenth of any month, you will earn interest from the first of that month. One of-the oldest and still the best ideas for saving money is to deposit all loose change, that you find in your pocket or purse into a coin bank at the end of each day. You'd be surprised how much money you can accumulate at the end of each month . money that would otherwise be spent. Then deposit that money in your savings account and start earning your­ self more money. In other words, there are many ways to start and build yourself a savings account. We'd be happy to sit down and discuss the best and easiest way for you. Why not stop in or call any of our four convenient locations for more informa­ tion. If you find saving your money is a hard thing to do. you're not alone We Can Help! and loan association MARENOO: 1001. Orent Michwey* 815/588-7258 • McHENRY: 4400 W. Route 120 • 815/344*1900 • WOODSTOCK: 118 Cass Street •815/338-2900 WOOOSTOGK 0MV8-UP: 47 Md Calhoun 8trMC.'8TC/338-7440 CRYSTAL LAKE: S50 Bartoy Rd. * Rt 14 •15(455-4300 PAGE 19 - PLAINDEALER - FRIDAY. FEBRUARY ». 1980 spurgeons •i What a Buy! Lined Open Weave Draperies $15 Pair Reg. $18.99 48x63" Airy draperies of washable poly/cotton/rayon; pri-1 vacy lining. Brown, gold, green, natural. 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