In ur nc ch c -up­
Auto In ur nc
TIle two that roost
emp eyers . HMQ) am the
traditional fee-for -serviee plans like
Blue Cross/Blue Shield. Prepaid
pl h HM, typically
charge 5 per offi visit witlrmost
other medical fully cov-
ered. Fee-for-servi plars like
Blue OaisIBh.X! Shield, pay a cer­
tain percentage for various medical
servi .
Ifyourcompanyl- you
yearly tween the various health
plars, detennine which policy best
rrees your reeds for the ming
year. Forexample, if yo� know you
will need de w k or interl11D
NN�C���Dil�I��.�
olIi the
benefits.
Homeowners
Insurance
If you are a bomeowrer, tine
one item that y u can't do witbout, ..
homeowners insurance. Here rue
some tips to make ure y u get tre
bestdeal:
It's important to insure your
home for tre repla::ement value of
your bouse I11iI1u; tbe value of tbe
land. Also when it comes to tbe
conten of your house, it should
also be insured for replacement cost
octual cesh value.
If Y u have repleeem nt t
covera y u would be fully reim­
bursed or the t f1Cplocing an
item at today' pnces.Iorexample,
if you 1V is tolen from your ho
. am you have repl' mentcostcov­
erage you w uld reimbursed for
tre t Ireplacing a 'IV at today'
pri '.
Life Insurance
When it comes to lifi irsurance,
tbe first decisi n you must make is
whether you need it
If you are 'ngle with 00 kids,
you don't need it If you are a two­
i me couple with kids, you reed·
it
ext: Detcnn.i oc how m h in­
sur<..ll1CC ou cd,
The National lnsuraoce n-
swncr Organi7lltion rcrommends
c vern equal 5 ' . me,
ph.l\ a c hion r rem ia; and
big i m'llkecoU 'cducati n.
Insurance ch ck'.,up
-a last word
Brsl:\ ESS
b rship n(t it too the tiona1
Labor Relations Bo rd five ye
to re ch deci ion for the union,
Potter aid. '
Potter dded that only 10 per­
cent of the original workers were �-­
till employed at the company
when the deci ion came d�.,n.
"We're confronted wiQ(delay
and actual violations of the law
without penalty on regular b is,"
Potter aid.
De pit th adversity, Potter ex­
p cts continued union growth in
th future.
Food and Commercial Workers
Local 952 draw it large t body of
rnembe hip from the employee
of Meijer Inc.
G rri on agr e that unions will
continue to grow ev n a manufac­
turing Change through technology
into more information ba ed
ociety.
I H � .. the union m t
win an election under orne ad­
ver e circum tance where the
employ r h a considerabl d­
vantage, Potter aid.
Forexampl, particular unit of
work r had 7 p rent of the
p opl igned up f r union mern-
y
u
The total kitchen co t between
$10. and 12.00.
Other feature in the room in­
clude wideboard pine floo (laid b
Peter Jone) c unters of granite­
look pia tic laminate and painted
1 •
'I wa. irnpre: ed with the
'kitchen design rvice" Mr . Jone
ay . "You hav t make an ap­
pointment in ad ancc, but I met with
the s me c nsultant on t\ oc­
ca ions for bout an h ur ea hand
al 0 made a number of phone call
to get que tioru an wer d."
liE ME'PREPARED with
her mea urement and a rough
ketch of her pa e. She le with a
plan howing the location of
abinct and applian e and a Ii to
pecific item needed to complete
e compete ith,
linton hould pe ific lly
addr om worker pr tecti n
cIa e that would pay a certain
tandard of living nd provide
h lth, afety and environrn nta1
regul tions, Garri on ' aid.
Robert Potter, pre id nt of
Unit d F d and Commercial
Wor e Lo 19 1 b d in Grand
R pids, aid h would like to ee a
Thomp on, director of an art cen­
ter, made an appointment with the
ki (chen planner at the Ikea tore
ranch in Hick vill ,N. Y.
"W· TO JD TIll • back
and forth and she came up with the
1 J f r fhe main room,'
recall Mrs. T omp on. "The
pantry I planned my elf, and logic
dictated how it would be et up."
On c the plan wa wn (it took
about an hour and a h If) Mr ..
Thomp. on took it home and thought
about it [of' a week or o. Then. he
and her hu band de cided to follow
it.
The unusual kitchen consi ,t fa
pantry and a main room. A double
sink. stove and 1'0 d preparation
area are in the kitchen, which i als
furni hed with a large country table
and chairs for dining. The adjacent
pantry hold the refrigerator, di. h­
wa her, a bar ink and toragc f r
food tuff, di he and utensil .
The Thomp on decided to keep
the unorthodox arrangement e­
cau e it i efficient. The arrange­
ment ai 0 allowed them to u c the
exi ting cabin I in the pantry .
Before choo ing the lkea
cabinet, the Thompsons vi itcd
everal kitchen hop and a branch
of Hom Depot. .
A lif11ilc;.d bud ct m de rricc an
ovcrriumg 'concern. They to nd the
Ikea cabinets \ ere th lea 1 expen-
ive, yet the tyle and qualit . were
acceptable. The cabinet have woe d
front and are painted while . T-
. pread ut the xpcns e. the
Thomp on bought their unit inte­
riors fir t and added the d or later.
TAKE THE
INITIATIVE
A DYOUCA
OWN YOUR
OWN HOME
BY BARBARA MAYER
For tho e willing to do part of the
designing and installation work in
their kitchens, there' a middling
course between the extreme o( a
m kitchen ado .
"It' time-con uming, but th re
is a fair amount of help in the
marketpla e if u want t d( it
you elf." ay' Hel n Jone " a food
writer in W rwic k, .Y.
She and her husband, Peter a
phy ical therapi t, are ren vatin an
old carriage barn, doing much of the
work them elve .
"We wanted as nice a kit hen a
we could get, but didn't have a lot
of money for the project, 0 w
shopped around quite a bit, " Jones
ays.
'. They can come in through cracks' assm II as a 'dime, around'
:-:. -, ba$e" "ent. win4o'l( � pipe� and at1i� :·ven�. Then -, they set up
:�'. ·QUS� ..... iitg.l�,� yOur w.�1 , ne ting and ·r�prqd�c�ng. ¥r. �n�:t
.;\. � •. :��u : can !t ve 100 babies in four mo.�ths . -:'.' . �
.�.:� ' .. : �.t1' are .so� mouseproofing tips .�om-Orkln :Pe t Control:
ind and remove their nest. . ...
=-Seal gap .under Q! ors around pipes and electrical wi es
;with. t el woOl and caulk or mortar. ctecn attic vents.
"';�' ...;FiU·i�·�oleS � hind .. pos and inconcr�te bl
. : .. ' move;weeds and overgrown ras wh re they can
·andliv . .
tor outsio equipment � the ground.
tor firewood 0 the round, at lea t 20 feet rom the
hous
-Plant hrub' th'lt do not lie on o� gro ;v cl s to th gr undo
--Keep vin s nd trc limbs f your hou c ..
The looked
th room. She t< ok th plan home,
tudi d it and ended up returninrr to
ha c minor chan�es made.
he r lind the ordcrin procc"
which th' cu't mer take' har e of,
t he umher)m BU,lng the
cabinet 1 k tour . tep. he or­
dered them fr m the I Ie nn r, paid
t r he ordel t the ch 'ckout d k,
. III tcd her rJcr cl ewl' re and
then look. till' tlat-wldppcd c.thll1ct"
on a latl oJ wagon to lhl.! hlppin
tic] artmcnl t arrtlngl? f( rd<.:11 'ry.
,,� • RY TIME I 0 to Long
land, I buy another do r,"
Th mp on ay . "I probably won't
he fini hed buying them until
,pring. "
She e timatc the kitchen ha
co 'around 5, a [or ca inet ,
ink, di hwa her and tove. Thi
�L 0 include profes ional rcfini h- I
in of old wo den floor which they·
found under layer of linoleum) The
countertop, are butcher block pur-
. cha cd from lkea. The couple put
the cabinet. to ether them elve ,
but had a carpenter who char cd by
the h ur han them.
"Ther wa a lot of jerry ri ing
\ hich I didn't kn w how t d. '.'
he 'ay .
Ha buv ing a hom or r inan 'ing ih on y u
0\\ n alw vs � rned like. om thin out (
our r a h�
0) OU v r fe el lrk .. a in , "What' th
u. 0
an 1<1.. \ ou'll lik ' .
'I h • lnitiath' 10rtgag I \I from
l-ir:t of mt'ri a B nk.
With 11 . Ibl t rm. and 'omp titi\ .
r t it. \\ \ to h 'Ip P ·opl 'hu) a homl' in
D troit, Hi hland P rk, Hamlrar 1 ·k or
Pontia .
\Vhen pur ha tng . hom " \ our J )\\ n
p": m °nl c( n h ' a<, littl· � <.; S'X. lor, Ii. .<1 ratt,>
mnnga l nd if) ou'r tnl'r l <.I in relin n -
nlo n\ou
. *
L nI ubj('1 t hilI d,t appro�al
1.1 mba FDI( f-,/utlll foullnH I roo. r G}
•