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t CAUr, 3 • I L/tlAULrtLnn - V> t.U.\r>SJJ/» 1 , i/t,vtiiUot,n (.», IKU. Financial Counseling At Work Pre N°'a/ c,ass P_1 I _ I HP THR by Kurt Begalka SHAW MEDIA NEWS SERVICE The man isn't different from any of us. He didn't plan on a slipped disk and bone spur, and operation. He didn't plan on being out of work four iponths. "We've always worked," he said. ,/'We've always taken care of our own family." He talks of how he took a job that paid $140 a week, $49 less than he drew on unemployment. He and his wife are proud people. When her husband was forced to quit work in October, they struggled for about a month and a half on $156 a week. "That doesn't go far with a family of five," he said. The bills began to pile up. They checked into public aid, but their income was too high. They checked with the township supervisor, but the story was the same. They were becoming depressed and bitter. "I feel worthless right now," he said, asking that his name not be used. "I'm being supported by my wife and •kids. If the government would take care of you, you wouldn't have to have that embarrassment." It was his wife who heard about Financial Counseling Inc. at work. She presented program director Ann Curry with a bare budget and $600 to $800 in debts. "She made me feel better when I walked out of there," the wife said. Added her husband, "It's given us a little hope and confidence. Ann is one of the few people that I really feel is concerned about what happens to us." Church Women United began the program with $5,000 and the intent of helping people manage their money. In August, the non-profit service opened an office at 248 N. Throop street, Woodstock. "When you work for 10 years for something you have in the back of your mind and it crystalizes, it's a great source of satisfaction," said organizer Bertha Tammeus, of Woodstock. After a business degree and two years of working for a bankruptcy trustee in Wisconsin, Ms. Curry took the job in Woodstock. Her task is to help people become solvent and regain their confidence. , In the first four months, Ms. Curry saw 54 families with an average net income of $995 per month and average debt -- excluding mortgages -- of $5,900. Most clients are in their late 30s or early 40s. "Ninety percent of the people who come in are three months behind on all their payments," she said. "They already do not have a real good credit report." To help clients manage debts, Curry reviews income and living expenses. She may suggest cheaper housing or eliminating cable television or extra telephones. The remaining funds are given to Ms. Curry, who serves as their financial agent. She works out a payment plan with creditors, who, she said, are generally willing to spread out payments or drop interest and finance charges. Some money is better than none at all. The program is similiar to filing Chapter 13, except it does not go on a person's credit record. "We get the creditors off their back," Ms. Curry said. They also shoot for 100 percent repayment. Concerning the family mentioned above, the Veteran's Administration agreed to receive half payments on the house loan of $319 a month. Ms. Curry convinced GMAC not to repossess their new car, since the husband would be going back to work in January. Utilities also agreed to installments. Curry referred the family to several community organizations, among them the church food pantry, McHenry County Housing Authority and the Clothing Closet for McHenry County. The first appointment is always free. Thereafter, clients are charged a monthly service fee of $10 for debt management. Creditors are asked to contribute 10 percent of the payments they receive through the program, although Ms. Curry said only half do. A sliding scale is used to charge for financial counseling sessions, but "if people can't pay, we will not say 'go on and get out of here,"' Ms. Curry says. The service includes preparing a budget, hunting for jobs via newspapers and job sheets, and helping clients develop the skills necessary to keep them from coming back. "We are kind of a last resort for some people," Ms. Curry said. She emphasizes their interest must be genuine. "Unless they're willing to change, we can't help them." In the future Ms. Curry htepes to arrange workshops and lec%-e in money management. "I want to get into the high schools and teach people the wise use of credit," she said. "It's a long, hard struggle for these people, but by coming in here it shows me they want to change," Ms. Curry said. She acknowledged that it can be frustrating work, particularly when a client's skills and experience are limited. Sometimes there isn't much she can do but give them an un­ derstanding ear. Sometimes, that's enough. Sef In January Prospective parents are invited to attend the January sessions of Memorial hospital's pre-natal classes. The three-session program is offered as a public service by the hospital at Woodstock. Mrs. Fran Scholpp, R.N. said the program has been expanded from two to three sessions, each starting at 8 p.m., to enable speakers to tell about the pre-natal care, labor and delivery. Also, Michelle Johnson, R.N., co- head nurse in the nursery, will discuss infant safety and safety of a child when riding in an automobile. She will have an infant seat, used in autos to protect children, to show parents-to- be. The sessions will be Jan>3, 10, and 17 in the hospital's dining room. MONEY MANAGEMENT IS IMPORTANT For many Americans, the New Year may bring only a continuance of what can only be described as "hard times." The year now departing brought many families, for the first time, to know economic hardship and unemployment. January 1983 is certain to bring to many the realization that holiday spending far outstripped an already strained family budget. The stage could be set for serious financial picture should be charted on paper - old debts, new expenditures, monthly payments, anticipated in­ come. Once everything is down in black and white, family members should sit down and discuss priorities. Sacrifices may become necessary and, if so, they are easier made when all the members of the family are thoroughly familiar with the family's financial situation. IN THE MATTER OF THE APPLICATION OF THE AMERICAN NATIONAL RANK AND TRUST COMPANY OF CHICAGO, AS TRUSTEE UNDERTRUST NO. 54605, FOR A VARIATION OF THE ZONING ORDINANCE OF THE CITY OF McHENRY, ILLINOIS NOTICE NOTICE is hereby given in compliance with the Zoning Or­ dinance of the City of McHenry thaLa public bearing will be held before the City of McHenrry Zoning Board of Appeals in connection with the a p p l i c a t i o n o f AMERICAN NATIONAL BANK AND TRUST COMPANY OF CHICAGO, as Trustee under Trust No. 54605, 33 N. LaSalle Street, Chicago, Illinois 60602 for a variation of the City of McHenry Zoning Ordinance for the following described real pcfofp • That part of the Northeast Quarter of the Northwest Quarter of Sec­ tion 26, Township 45 North, Range 8 East of the Third Principal Meridian, bounded and described as follows: Com­ mencing at the intersection of the West right of way line of State Route 31 and the South westerly right of way line of McCullom Lake Road; thence Nor­ thwesterly along said Sou t h- westerly right of way line a distance of 229.0 feet to the in­ tersection with a line 165.00 feet West of and parallel with the westerly right of way line of State Route 31 as shown on Highway Dedication recorded August 11, 1927 as Document No. 79413 for the point of beginning; . thence South along the last described parallel line a distance of 130.35 feet to the in­ tersection with a line 105.00 feet North of and Parallel with the outh line of the Northeast Quarter of the Northwest Quarter of said Section 26; thence West along the last described parallel line 577.10 feet to a point of in­ tersection with a line 742.00 feet West of and parallel with the aforesaid Westerly right of way line of State From your friends at Sullivan Foods - a sincere Fresh, Florida Ca£tfavUa/ce6erigffoad n M Cauliflower Mushrooms Oranges 70< $119 r . , 7Q< ICH # m 12-oz.pkg. I dozen# m Calif. Grown ANJOU ORBOSC PEARS Food Club ONE POUND BOX Schultz's Finest, Twin Pack Potato* Chips Food Club Choice of 4 Flavors Dips 38 (J) Choice of Wine or Cream Sauce Elf Brand Round Snack Crackers « U.S. No. I Wash. Stat* Pascal Lake Breeze 24-oz. Ret. Bottles Soda Regular Low Calone All Flavors FOODS TOTAL DISCOUNT 3705 W. ELM, McHENRY RESERVE THE RIGHT TO LIMIT QUANTITIES PRICES EFFECTIVE: ^DECEMBER27-JANUAR>^^^ OPEN NEW YEAR'S EYE 'TIL 4PM CLOSED NEW YEAR'S DAY RC COLA, DIET RITE $ | 39 i RC 100 8-16 oz. bottles | p|us deposit L, 7° lip 2 liter 99c (1 Sullivan's Holiday "Party Pleas*ers" Liquor Specials' Old Stylo $ Reg. or Light 12 pack Generic XX Beer lfDa,k h nark rant _ _ 1 - ̂Sharp Cheddar Hernng Cheese $r«98 Swiss Cheese \ P« \2iiM to ' ^ I Ik ® Staffed Olives 3® Manzamlla :00 Our Generic products ore QUALITY assured Food Club Sweet Cucumber Chips or m Jk ( Kosker Baky Dills ° 68 Cream Cheese Merkt's Cheese Spread Choice of ^ 0Z 9 Flavors CtlH Snack Chips Baked or Fried Cheese > . Twists or Com or * 4b II • Nacho Tortilla Chips 10*17. pk|. ^^P Margarine 3.89* Quartered Generic LowFat ©Whipped Topping 8-oz. ctnr. M Salad QQt Dressing .. r .OO French Onion A $1 Soup Mix .4! I Paper ( w h i t e ) , 4 0 £ £ ( Napkins .._ i°ri. Va# Paper (ifite. 9 inch) 100 JLQ < Plates w w Mixed (in shell) $168 Nuts Thin Wheat 10 TO < Snacks "Route 31 recorded August 11, 1927; thence North along the last described parallel line, 415.76 feet to an ° angel point; thence Nor­ theasterly along a line forming an angle of 139 degrees 00' 00" as measured to the left of the last described course, a distance of 196.73 feet to the South-westerly right of way line of McCullom Lake Road; thence Southeasterly along said South­ westerly right of way line, being a curved line concave to the Southwest having a radius of 5748.00 feet, an arc distance of 245.71 feet to a point of tangent in said Southwesterly right of way line; thence continuing southeasterly along said right of way line, 370.53 feet to the point of beginning, all in McHenry County, Illinois. The subject real estate is located on the south side of the in­ tersection of Orleans Street with McCullom Lake Road in the City of McHenry, Illinois; said property consists of approximately 5.017 acres, and is presently zoned "R-4", MULTI- FAMILY DISTRICT within the meaning of the City of McHenry Zoning Ordinance. 88 multi-family units are currently under con­ struction on the property. Tne application requests that variations be granted in the City of McHenry Zoning Or­ dinance and in the "R- 4", MULTI-FAMILY DISTRICT classification or in the alternative that the City of McHenry Zoning Ordinance be amended and-or interpreted to allow a reduction in the required number of parking spaces from 2.0:1 to 1.5:1, which would result in a minimum of 132 spaces. Said application was filed with the City of McHenry Zoning Board of Appeals on the 23rd day of Dec., 1982. T1 • ; i /.* • ' : fhe public hearing on - said Petition is scheduled for the 20th day of January, 1983 at 7.00 p.m. in the City Council Chambers located at McHenry City Hall, 1111 No. Green Street, McHenry, Illinois. AT WH AND PL jrson desiri [CH TIME any to be nt. This 723rd 1982. OF . McHENRY ZONING BOARD OF APPEALS DAT day of Smirnoff Vodka O'Darby's Irish Cream Andre' 4KP99 Champagne BeD'Agio Wine 750 mi Moc • By: James A. Fouse, Its Chairman ROBERT N. UNGERLEIDER Attorney for Petitioner 228 N. LaSalle, Suite 2020 Chicago, IL., 60601 (312 ) 726-0083 (Pub. Dec. 29,1982) No. 820538 Calorie Cutter Cut calories by broiling or roasting meat on a rack so it remains above the drip­ pings. Pan broiling, rather than frying, also cuts back calories. ftlHT IMSQlWC tho professional do-it-yourself carpet cleaning system First Hour of Rental Si .00 per hour..for every hour thereaftei (Example 2 hours... total charge $1 plus tax: Special Rental Rate Good Monday thru Thursday RINSENVAC cleans the way professionals do^ at a fraction of the cost. FRI.. SAT., & SUN. HOUR NO MIMMMR OVERNIGHT SPECIAL I 8:00PM - 9:00AM $10.00 4/ , W. RTE. 120 McHENRY, ILL. i . . -i cnt 1 '! Ti/ .no-' VrK, , - >f. 'tfv; rt: f> i : ' 1 I. ' J • ! . M -" l ,y j • t ::3!