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!>:\r.F,4. PLAINDEALER - FRIDAY, DECEMBER 26. IMP Here find Thtpt In Business Top Holiday Display McHenry Employers See Negative Job Climate McHenry area employers anticipate a negative em­ ployment climate during the coming three months (January, February, March) with more an­ ticipating reductions in staff than have hiring plans, according to a quarterly survey conducted by Manpower, the world's largest temporary help service Chuck Bartels, owner of Manpowers McHenry of­ fice, said, "Manpower 's survey found that employers here do not see a recovery in the opening months of the new year from the low hiring levels which prevailed through much of 1980. Overall, the 7 percent of the employers polled have hiring plans while 13 percent anticipate reductions, 77 percent expect no change and 3 percent are unsure of their plans," Bartels said When Manpower con­ ducted a similar survey one year ago, 13 percent of the employers had hiring plans, 90 nfrrent were planning reductions and 67 percent expected no change Reductions are planned by construction firms and durable goods manufac­ turers Among wholesale and retail merchants and employers in the service industries, some hiring plans are indicated while others are planning reductions Nationally, despite un­ certain economic conditions and rising interest rates, employers in the manufacturing sector plan increased hiring activity for the first three months of 1981. More than one in four (26 percent) of the durable goods manufacturers sur­ veyed said they expect to increase hiring levels in the coming quarter, compared to 21 percent one year ago Another 12 percent plan to reduce staff, compared to 14 percent reported last year at this time. Fewer employers report no change in hiring plans (58 percent compared to 60 percent a year ago), and those unsure of hiring plans fell from 5 to 4 percent. Those manufacturing non­ durable goods expect similar growth, up 3 percent from the 17 percent reported a year ago. Non-durable goods manufacturers planning to reduce hiring levels fell from 12 percent to 8 percent while those planning' no changes increased one point to 69 percent and those uncertain of hiring activity remain at last year's 3 percent level. Another employment growth indicator also shows signs of improved health in the current survey. Nineteen percent of the construction firms polled said they plan to increase staff in the coming quarter, up from last year's first quarter survey figure of 12 percent. The number of firms expecting to reduce hiring levels fell from 32 percent one year ago to 29 percent in the current report. These figures do not reflect the most recent sharp hikes in interest rates, a factor which could slow hiring activity in this sector. X 7Z- m m mmm • >; I 'it % m-Mm I Real Estate Facts Carestoel Professional Care center has provided a cheery outside appearance for all to see during the Christmas season. But only those who have family or friends within have appreciated the holiday atmosphere created by staff and residents throughout the building There was judging of the variouS4inits this past week, resulting in the 300-400 floor, pictured above, receiving top award. The 700-800 floor was awarded second place and the physical therapy wing, third. Bank Declares Dividend At a recent meeting of the board of directors of the First National bank of McHenry, M. J. Marty, Jr., chairman, announced the declaration of a $1.80 per Plywood Minnesota Good Buy 1980 Hello *81 Sale Year-End w Year-end inventory means counting everything in itf means extra savings now before we count. Store-widelsiyin§§v you can count on -- now through Jan. 3,1981. BBBli WA f̂tPE? CARPETING" JfeMNANTS • 1,000 REDUCED. Entire in-stock inventory REDUCED. Save up to 50% 90,000 sq. yds. REDUCED. Save up to ̂ 2 -y per sq. yd. Flocks, Foils, Paisleys, Patterns, Flowers, Checks, Plaids, Grasscloths, Textures, Theme Prints and Kitchen Prints. • Jute-back & Prepadded Carpets. • Saxony, Cut 'n Loop, Level Loop, Kitchen Prints, Shags, Plushes. Professional Installation Available. FuH roorf>-sized to small bedroom sizes. 9'x12'to12'x20'. Jute-back & Prepadded Remnants. Decorator Colors. ^ - ° / r 50 ,>N ODDS 'n ENDS KITCHEN CABINETS and COUNTERTOPS Now at 50% OFF COME IN TODAY FOR BEST SELECTION & MAKING ROOM FOR NEW DISPLAYS SAVE 50% ON ONLY 3 OF OUR QUALITY KITCHEN CABINET MISSION II, LIGHT DISPLAYS plaza? DARK All items cash and carry. No returns. Hurry, Sale ends January 3rd! Plywood Minnesota NOTE: Prices & Hours May Vary According to Location WOOOOTOCK Hours: Monday & Friday 9 a.m.-8:30 p.m. Tuesday, Wednesday, Thursday 9 a.m.-6 p.m. 1230 Dovis Rood (Bypass Rt. 14 & 47) 815-338-1440 Saturday 9 a.m.-5 p.m. WOODSTOCK share dividend on its 67,000 shares outstanding. The dividend will be to shareholders of reqord on Dec. 1, I960, and payable Jan. 2, 1961. ' The First National Bank of McHenry was founded in 1969 by a group of local businessmen and has ex­ perienced steady growth since that time, with total assets now exceeding $24 million. Directors who currently serve the bank are Marian H. Busse, a private investor; William J. Busse, executive vice-president of the bank; Ronald L. Graves, president of the bank; David T. Kent, secretary and treasurer of the Kent corporation; M. J. Marty, Jr., president of By Yvonne Beer, executive officer of the McHenry County Board of Realtors How much home can you afford? In years past, the rule of thumb was your monthly housing costs should not exceed one-quarter of your gross monthly income. In other words, if your salary was $1,000 per month, your payments should be close to $250 to be comfortably handled. But with housing costs rising faster than family incomes, these formulas are changing. Mortgage Guarantee Insurance Corporation (MGIC) recently lifted its allowable debt radio from 25 to 33 percent. According to the new formula, if you earn $1,000 per month, you can handle a housing payment of $330, $80 more than before. MGIC, the nation's largest private insurer of home mortgages, also raised the allowable total indebtedness to 38 percent. Total indebtedness means the total amount a person pays for housing, car and furniture payments, school loan payments and any other long-term obligations. Remember, a lender generally considers only those obligations that extend for more than 10 months after purchasing a home. Likewise, the Federal Home Loan Mortgage Corporation (Freddie Mac) also eased its debt formulas. Freddie Mac now will place less reliance on meeting the 25 percent of income criteria ""and more attention to other factors that may suggest the buyer is able to meet his home mortgage payments. According to Freddie Mac, Chicago Mfg. Co.; Donald C. Stinespring, attorney-at- law; Harry P. Stinespring, III, attorney-at-law; and Mae M. Stinespring, a private investor. The McHenry Plaindealer 111 2 Wost Elm Stroat •% (USPS 335-200) Established 1875 McHtnry. Illinois 40050 Phone 815-385 0170 •Published Ivory Wednesday ft Friday at McHenry. Illinois Second Class Postage Paid ot McHenry Illinois •y McHINRV PUBLISHING COMPANY POSTMASTER: Send address changes to McHenry Plaindealer. 3812 W. Elm St.. McHenry. Illinois 40050. v Subscribers are requ'fited to provide immediate notice of change of address to The McHenry Plaindealer, 3812 W. Elm St.. McHenry. III. 40050. A deduction of one month from the expiration of a subscription will be made where a change of address is provided through the Post Office department. these factors may include the ability or willingness to make a larger than minimum down payment, the existence of other assets and the potential for in­ creased earnings. For instance, if you are certain of a 10 percent pay raise within six months or if you own land somewhere or have a sizable portfolio of stocks and bonds, the lender may consider them rather than basing your eligibility on a salary formula. The McHenry County Board of Realtors urges potential homebuyers to discuss these changes with the realtor or lender of their choice. You may be sur­ prised to find that home of your dreams is not out of reach after all. AIM Award To Bykowski Century 21 International headquarters has announced that Ron Bykowski, broker- owner of Century 21 Care Real Estate has been awarded the prestigious A c h i e v e m e n t I n Management (AIM) award for 1980. The AIM award -is presented annually to* a select group of outstanding broker-owners within the Century 21 organization, alld is the highest honor an af­ filiated Century 21 broker: can receive. The primary criteria for selection as an AIM award winner are exceptional service to the community and increased production. Weingarts' Junior Sire Is Sampled Charles Weingart & Sons, McHenry, bred a junior sire being sampled by Midwest Breeders Cooperative, Shawano, Wis. Kerich Ivan Luke-ET is Weingart's addition to the 60 Holstein bulls being sampled this year. He'll be identified as 21H525 Luke. While being sampled and awaiting their first proofs, Luke and the other junior sires are housed at Midwest Breeders in Stewartville, Minn. It will be four years before a proof can be calculated. Lorry E. Lund-Publisher Adel j Froelich-Editor NiWSEAftR n b / NATIONAL NEWSPAPER ASSOCIATION SUBSCRIPTION RATES 1 Y.or 113.50 In McHenry County 1 Yeor $19.00 Outside McHenry County UNITED WAY CONTRIBUTOR The latest contribution to the annual fund raising campaign of the United Way of McHenry county comes from Osco Drugs in McHenry. Store manager Neil Milam presented a $300 check on behalf of the Jewel foundation to United Way board member, Harry Dean. The fund now stands at $210,000 or 82 percent of its $256,000 goal. A™ COMMONS VISION CENTER LTD. Spectacular Offer Buy Now & Save I^For^JmitecHnm^Only^^^ HIKHtUIMI* Ultra Thins | * Includes •Initial Eye Exam •Dispensing Fee •B4L Soft Contact Lenses •Cold Chem. Starter Kit One coupon good tor onttro family C«fHM must bo presented of bogmnlno ^ L|t^| --u NOTE: To all union members and their families. Receive a 20% discount on all prescription eye­ wear. Union cards must be presented at beginning initial visit* •Framos I lansas muit purchased togathor othor coupon* or discounts apply. of •No Most Prescriptions in Stock SAVINGS Save JS20 on any complete poir of glosses you choose, regular prescription or prescription sunglasses. Choose from our ENTIRE selection of frames. Just bring this coupon with you when you come in to buy your glosses. Offer expires Oec. 31, 1980, so hurry and come in soon. Don t miss out. When purchased together, one coupon good for entire family. Coupon must be presented ot beginning of initial visit. No oth«r coupons or discounts < m* jnB2BE3E2IIiG! 4305 W. ELM ST. (RTE. 120) (Across the street from Hornsby's) (•15)344-3900 Layowoy Plans AvailoMo-Ckorf* 1«l- RmnnI leke Beach I VmI DmnIm 829 E.Rollins I 120Moin Cmnnk SlN*Nf Cwttr I Across from Post Office ' (312) 223-0020 | (312)420.7900 ^oupom^Tus^no^^usedonjjurchosesJbefore^l2/^5/S0