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April 15-19 Use Your Spiess Charge, Visa or MasterCard. r / Vr /; 8.88-10.86 Catalina Sleeveless and Short Sleeve Tops Reg 14 00-20 00 Poly/cotton knit, solids and stripes S.M.L,XL 8.88 Catalina Shorts Reg 14 00-1 7 00 Poly/cotton pulK>fti styles in Jamaica or witch britch length 8-18 Better Sportswear L Better Sportswear 16.88 New Fashion Tops for Spring. Reg 22 00 Short sleeve ruffle collar and shoulder in plaid Double ruffle front in solids. SML 16.88 Spring Slacks. Reg. 24 00 Sheeting and twill. Assorted colors 8-18 Today's Sportswear 6.88 Cotton T-Shirts Reg 12 00 Assorted styles Brightcolors. S.M.L 13.88 Canyon Sport Slacks Reg. 18 00 Stretch poly gaberdine Front zip style Assorted spring colors Average 8-18 Petite 8-16 13.88 Katie Brooks Skirts Reg 18.00 Spring collection 8-18 Young Attitudes 11.88 Shorts from Hang Ten Reg 17 00 6 great colors 8.88-10.88 Knit tops from Hang Ten Reg 1300 1600 Assorted 16.88 Bowling shirts from Tomboy Peg 24 00 Woven print Hosiery 2.00 Underalls brief panty Reg 2 50 Sandal or reinforced toe Regular and queen 2.80 Slenderalls control panty. Reg 3 50 Sandal or reinforced toe Regular and queen. 3.60 Slenderalls control top support leg Reg 4 50 Sandal- foot Regular and queen Women's World 16.88 Novelty Tops Reg 24 00 Poly/cotton woven. 38-44 12.88 Slacks. Reg 18 00 Stretch poly/gaberdine pull-on. Solids 32-40 Better Dresses 39.90 Spring Dresses Reg 50 00-65.00 Special group. 6-18 48.00-68.00 Better Spring Dresses Reg 80.00-120.00. 6-16 29.90 Spring Knit Dresses. Reg 44 00-48 00 6-16 Sunny Savings During Women's Suits 58.00 Linen blend suits. Reg 85 00 6-18 128.00 Spring suits. Reg. 160.00-200.00. 2-piece. 6-14 Better Codts 48.00 Washable pant coats Reg. 62 00-70 00 Sizes 6-20. 48.00 Raincoats. Reg. 65 00-85.00 Full length Clearance. 58.00 London Fog zip-out coats Reg 120 00 Not every size and color 38.00-48.00 All junior coats Reg 60 00-64 00 Clearance 24.88 All junior jackets. Reg 30.00-40 00 S.M.L Clearance Elgin Only 60.00 or less. All remaining winter coats and jackets Reg 130.00-350.00 Not all sizes. Lingerie 11.99 Shift gowns Reg 16 6o Cotton blend prints and solids. S.M.L. 5.99 Shift gowns. Reg 10 00 & 11.00. Nylon tricot assorted pastels I.99 Briefs and hipsters Reg. 2.75-3 00. Nylon satin 5-7. Robes 10.99 Dusters Reg 15 00-16 00. Cotton and terry . S.M.L. Intimate Apparel 5.99 Strapless bras Reg 10 00. Lace cup and fiberfill. White or beige 6.99 Coolaire briefs. Reg 10.5b. Good control White or beige 5.99 Coolaire softcup bras Reg. 10 00. B and C cups White Girl's Corner 8.88 Girl's swimsuits Reg 14.00 One piece II.88 Sundresses Reg 16 00 Assorted prints. 7-14 1/3 Off Easter dresses Reg 28.00-45.00. 7-14 16.88 Brittania jeans Reg 23.00 7-14 444 Polo shirts. Reg 8.00 V-neck solids. 7-14 Children's I.29 Pantyhose by Color Breeze. Reg. 1.65. Trimfit sizes 4-6X. , 144-1.88 Tube socks Reg 1 85-2.25 By Trimfit 5-81?, 7-912, 8-11. 20% Off Girl's Sleepwear. Reg. 8 00-18 00 Assorted Infants 1/3 Off Easter dresses Reg. 18.00-45.00. 2-4X and 4-6X. II.88 Brittania jeans Reg 16.00-18 00 4-6X. 6.88 Girl's swimsuits Reg 11 00-12.00. 2-4, 4. 6.6X. Assorted 7.88 Girl's sundresses Reg 12.00 Assorted prints 4-6X. 68.00-88.00 Forecaster and London Fog Spring Coats Reg. 88.00-138.00. Special group, full length. Home and Town 27.88 Spring Dresses. Reg. 36.00-44.00. Great selection. 6-18 Regular, 6-14 Petites, Half-Sizes. 18.88 Poly sheer and shirt dresses. Reg 26 00-28 00 6-16 Accessories 8.99 Fashion sunglasses. Reg. 15.00-19 00. Crylon flexible frames. 2.99 Stretch vinyl and bonded leather belts Reg 4.00-5.00. 10.99 Vinyl handbags. Reg. 15.00. Shoulder and handles. Six styles. 6.99-14.99 Wallets and Small Leather Goods Reg 12.00-24 00 14.99 Canvas handbag wtth leather trim. Reg 22 00 Handles/ shoulder strap. 6 styles; assorted colors. 12.99 Genuine leather clutches and shoulder bags. Reg. 20.00. Assorted styles for juniors and young missy.' Jewelry 30% Off 1928 engraveable jewelry. Reg. 6.00-12.00. Limited styles. 19.99 14K gold earrings. Reg. 22.50-34.00 New from Golden Mist. 29.99 14K gold earrings. Reg. 36.00-48.00. New from Golden Mist. Teen Shop 16.88 Brittania jeans. Reg 22.00. 6-14. 7.88 Short sleeve blouses and knit tops. Reg 11.00 & 12 00 S,M,L. Women's Shoes 23.99 High heel dress shoes. Reg. 30.00. Soft pastel, multi­ color, navy, white, bone. 18.99 Casual shoes. Reg. 25.00-30.00. By Connie and Footnotes. 18.99, 26.99, 34.99 Algner shoes. Values to 80.00. Special group. Elgin • Crystal Lake • St. Charles. CLASSES MADE WHILE YOU WAIT! (Single Vision Only) Ov»r 3.000 Firit Quality FRRME5 Metal or Plastic 5 A L L K I D b FRRMES M«tal 5 or Plastic 12 VISIT OUR BOUTIQUE DESIGNER SECTION SENIOR CITIZENS FREE FRRMES WITH PURCHASE OF LENSES EMERGENY REPAIRS & FRAME REPLACEMENT 14-PLAINDEALER-WEDNESDAY, APRIL 14,1X2 i| Real Estate Facts | By Yvonne Beer, , Executive Officer, McHenry County Board of Real tore "n While taxes on almost ? every purchase continue to " rise, income tax deductions for home ownership have *1 been increasing. A series of tax laws went into effect last fall to help \home sellers and potential home buyers as well. If you're a homebuyer, you , only have to reach as high as the roof over your head for •, income tax savings. Others are scrambling for com­ plicated advice and in- n vestment strategies. The income tax laws allow home sellers to shelter resale profits by buying , another home of equal or .. - greater value. The time limitations were expanded last year to two years to buy , or build another home. This benefits sellers who feel they will need more time to find a home and favorable financing. If the seller doesn't buy another home, the individual must pay capital gains taxes on the home's profit. But the capital gains tax rate was reduced last year from 28 to 20 percent. The once-in-a-lifetime home sale tax exemption for a qualified home seller, age 55 or older, was raised to $125,000 from $100,000 last July. Naturally, this gives senior citizens more protection from inflation which has pushed the value of their homes up, thus giving them a bigger profit. Now is a good time for older couples who had thought about making a move, to sell their homes and buy a smaller residence or con­ dominium. Although homes ap-• !H!I=L'1;T» 1301 RIVERSIDE DR. (Across from the Fox Hole) McHENRY, ILLINOIS 385 9240 predate in value each year, for tax purposes, many property owners, especially investors,^' want quick depreciation. The shortest useful life now allowed for most depreciable real property acquired after Jan. 1, 1981 is 15 years. This easing of the capital cost recovery (from a useful life of 30-40 years) will permit a depreciation rate of about 7 percent of the property's value per year and give a faster return on real estate investment. With a long-term mor­ tgage, interest is nearly the total amount of the monthly payment in the first few years. Since interest is a deductible expense, the greatest deduction comes in the early years of owning a home. With the deduction, as with the amount paid in property ta.xes, gross taxable income is reduced. M o n t h l y h o u s i n g paymertts^can be seen in a different light when the after-tax costs are weighed. A buyer in a 30 percent tax bracket, earning more than $20,000 a year, gets about $180 of a $600 payment returned to him each month in tax savings. These savings bring down the ef­ fective mortgage interest rate. Through tax benefits, homeowners can pay more than renters each month and still come out ahead. The actual after-tax cost of interest should be con­ sidered when making a home buying decision. Other investments don't offer these tax benefits. By waiting to buy a home, the tax savings will be lost forever. Check On Insurance For Retirement Help The time to make sure your life insurance will provide a cushion for you and your family during your retirement years is long before you're ready to fall back onto that cushion, the M c H e n r y C o u n t y Association of Life Un­ derwriters (McHALU) advises. Below are several questions to ask yourself every few years, or as the occasion arises along with some advice trom the McHALU. Do your policies designate the right beneficiaries? Older policies may not have the names of all the people you want to benefit, or they may include people no longer living. You may also want to alter the amounts designated to some beneficiaries. Do you have enough protection? The cost of living increased by more than 85 percent since 1970. The $30,000 life insurance policy, t h e $ 1 0 0 - a - w e e k hospitalization plan and the $25,000 major medical policy that seemed adequate 10 years ago provide much less protection today. Should you convert your team insurance? You might be nearing the end of an option to convert a term policy into a whole life in­ surance without meeting medical qualifications. Remember that the premium charged for renewing the term policy rises sharply during your later years. Also, if you're changing jobs, check to see whether you want to convert- -without a medical examination-the group term insurance you may have had. You have one month to decide after leaving a job. Should you trade in your policy? Generally, insurance experts advise against cancelling one life policy to buy another. In some situations, though, a trade-in can reduce premium costs with no loss of protection. * * * * The love of music, it seems, varies as indi­ viduals differ as to what is music. The first annual McHenry County Business Education contest was held Thursday, April l, at McHenry County college. This event attracted students from 10 county high schools. Contests were held in the following skill areas: typing speed, typing production, bookkeeping, spelling, and shorthand. The team of Business education students from McHenry high school West campus won the first place team award. Individual winners from West campus were Mary Bazan, seated, first place Typing H (speed); and from left, Alice Zelek, third place Typing H (speed); Terri Blume, first place Shorthand I; Jennifer Koss, fourth place Shorthand I; Beverly Brown, second place Typing II (production); Sue Henry, first place Typing I (speed); Brian Nellis, first place Typing I (production); and Sandy Gilbert second place Spelling. JoAnne Campbell, fifth place Shorthand II, was absent when picture was taken. Tod Business Comoefition fit YOU Fiwp 1^ 1 N T M I * r V f U i A T l O N , ^ P I C A S * touswt* T H A T T M f V A * f a fovt € ; A wp $OiM« reoPLf A 9t A L W A Y S {fo*. s ' "