Winnebago County has been

Winnebago County, IL Winnebago County, IL Genealogy The Winnebago County area is referred to as the Stateline, because it borders the State of Wisconsin. I have tried to include in these pages, information for genealogical research both in the County and outside of the County. Information on locations outside of Winnebago County has been useful to me in my own research, and I would like to suggest that research in Wisconsin may be of value to you also. Examples. . . *Illinois residents with Scandinavian ancestry enlisted in Wisconsin to join regiments with others who shared the same background and *Lake Geneva, WI was a resort town and a great place to get married, so was Winona MN, by the way. The Rockford Public Library has an excellent collection for your genealogical research, the second largest in the state for a public library. The library now has over 50 rolls of Winnebago County vital records. They also have all the census schedules for Illinois and Wisconsin. An important Illinois location outside of Winnebago County that should be considered is the Regional History Center - IRAD at Northern Illinois University. Some of the oldest County Records are located there, and they will do research for you. Also, as a general rule, the Wisconsin State Historical Society is a better location for research of census records and is not as crowded as the National Archives in Chicago. The Ida Public Library in Belvidere, Boone County, IL, has a complete set of registers of Civil War enlistments for the state of Illinois. (See Boone County for the address.) The Neighbor's Boone, IL Carroll, IL DeKalb, IL JoDaviess, IL Lee, IL McHenry, IL Ogle, IL Stephenson, IL Whiteside, IL Green, WI Rock, WI Walworth, WI This card is Post Marked 08 Jul 1914, From Rockford Ill. Contributed by: "Juanita Sue Ryan" * 1875 Map * Tiger Mapping Service * 1892 RR Map of Winnebago IL Research Aids Genealogy Societies * Kishwaukee Genealogists * Winnebago & Boone GS * Rock River Valley Paf Photo's * Scrapbook - part 1 * Scrapbook - part 2 Ethnic Research Ethnic Heritage Museum Swedish Italian African-American Lithuanian Polish Irish German History of Winnebago Co. * 1818 - 1900 * 1901-1941 * 1942 - 1949 * 1950 - 1954 * 1955 - 1957 * 1958 - 1961 * 1962 - 1963 * 1964 - 1964 * 1965 - 1965 * 1966 - 1967 Cemeteries * Tombstone Project Libraries * Newberry Library * Local History Room * Allen County Public Library * Local Libraries and Research New Online Newspapers Look-up Volunteer's Military * 1883 Pensioners List * WWI Enlistment Article Obituaries Marriages Queries *Archived A - K L - Z Message Board Outside of Winnebago Springfield, IL Page Regional History Center NARA, Great Lakes Region GENDEX County Coordinator Katy Hestand This Site Designed by Katydid Productions Home ILGenWeb Counties Last updated: 10/04/2005 08:56:48 PM You are our 74112th visitor -- thanks for stopping by! If you would like to adopt a county in Illinois, contact Scott Burow - IL State Coordinator

Motor Coaches page 1

Custom Motor Coaches by PowerHouse Coach Powerhouse Coach tm CustomMotor Coaches Built The Way You Want Them Home Page Custom Coaches Toters & Emergency Take A Test Drive Traveling Demo's For Sale Contact Info Compare Prices Testify Floor plans Facts Warranty Powerhouse Coaches Are NADAListed With Great Financing Available OAC Model Ultra Coach 52 Four Slide Silver, Gold& Platinum New For 2006 Four slide out FULLY UPGRADED motor coach wide body 7.5 foot interior height full R25 ceiling insulation R10 vacuum bondedwalls compare this is one of the best in the industry This floor plan will accommodate a 50 inch Tv Bumper to bumper measurement on this motor coach approximately 52feet Model Ultra Coach 46 Triple Slide Silver, Gold & Platinum Also Available As A Four Slide For 2006 Triple slide outs with a converted day cab truck & no rounded backcap Upgraded wide body top of the line custom coach very wellbuilt and luxurious This floor plan will accommodate a 50 inch Tv Bumper to bumper measurement on this motor coach approximately46 feet Model Ultra Coach 50 Triple Slide Silver, Gold &Platinum Also Available As A Four Slide For 2006 Triple slide out FULLY UPGRADED motor coach wide body 7 foot interior height full R25 ceiling insulation R10 vacuum bondedwalls compare this is one of the best in the industry This floor plan will accommodate a 42 inch Tv Bumper to bumper measurement on this motor coach approximately 50feet Model Ultra Coach 45 Triple Slide Silver, Gold & Platinum Also Available As A Four Slide For 2006 Triple slide outs with shorter living room area and converted day cabtruck Upgraded wide body top of the line custom coach very wellbuilt and luxurious Bumper to bumper measurement on this motor coach approximately45 feet This floor plan will accommodate a 42 inch Tv Model Ultra Coach 45 Triple Slide Silver, Gold &Platinum Triple slide outs with shorter living room slide and full size cab Upgraded wide body top of the line custom coach very wellbuilt and luxurious Bumper to bumper measurement on this motor coach approximately45 feet Model Ultra Coach 40 Triple Slide Silver, Gold &Platinum Triple slide outs with shorter living room slide and converted daycab truck Upgraded wide body top of the line custom coach very wellbuilt and luxurious Bumper to bumper measurement on this motor coach approximately 40feet Models Custom Coach 51 Silver & Gold Double Slide Double slide out large with large 770 cab area this cab can be configured different ways e.g.. sofa, closets, desk/office, bunk beds youdecide Bumper to bumper measurement on this motor coach approximately 51 feet approximately 11 inches less when excluding rounded rear fiberglasscap Models Custom Coaches 43 & 45 Silver & Gold Double Slide Double slide out shorter living room area and converted day cab truck Bumper to bumper measurement on this motor coach approximately 43 feet approximately 11 inches less when excluding rounded rear fiberglasscap amount of reduction in length can be varied at any point from the 51 foot design above down to the 43 foot shown here you decide Models Custom Coaches 46 Gold & Silver Slide Single slide out large with large 770 cab area this cab area can beconfigured several different ways e.g.. sofa, closets, desk/office, bunk bedsyou decide Bumper to bumper measurement on this motor coach approximately 46.3feet add approximately 11 inches when adding rounded rear fiberglass cap Models Custom Coaches 41 Gold & Silver Slide Single slide out shorter living room area and converted day cab truck Bumper to bumper measurement on this motor coach approximately 41 feet approximately 11 inches less when excluding rounded rear fiberglasscap amount of reduction in length can be varied at any point from the 46 foot design above down to the 41 feet shown here you decide Model Custom Ultra Coach Garage Double Slide Model Custom Ultra Coach Bed Garage Double Slide Available in Silver ,Gold & Platinum Option Packages New double slide garage motor coach wide body the garage areacan be varied from 14 to 18 feet giving an overall length from 46feet to 52 feet this floor plan can sleep 2 on the hide a bed sofa and 2 more withan optional make down dinette booth with a dedicated garage area and an optional full rear hydraulic bedroom drops down whenneeded Back to Custom Motor Coaches page 1

RV Parts Superstore USED

Used Motorhomes and Other Consigned RV Sales - PPL Motor Homes The Largest RV Consignment Dealer in the USA The hassle free way to buy or sell used Motorhomes, 5th Wheels & Travel Trailers PPL Motor Homes has Sold Over 15,500 Consigned RVs since 1972. We also offer RV Insurance, Financing, Service and our RV Parts Superstore USED RVs FOR SALE Pictures, floor plans, descriptions and prices on over 175 Diesel Pushers , Motor Homes , Mini Motorhomes , Travel Trailers , and 5th Wheels for sale on PPL's huge 12 acre consignment lot. Updated daily! SELL YOUR RV We can help you sell your RV QUICKLY and at a FAIR PRICE ! We serve RV Sellers, Buyers and Owners Nationwide. View our RV Pricing information. RVs RECENTLY SOLD Compare your RV with over 1900 consigned RVs sold by PPL in the last 2 years from the largest RV Consignment facility in the U.S.A. RV PARTS SUPERSTORE Check out the everyday low and special sale prices on our many featured RV products. Order online or call our 800#. We ship nationwide. RV INSURANCE No Obligation Motor Home , Travel Trailer or 5th Wheel Quote - What you don't know about RV Insurance can cost you money! RV SERVICE Collision damage and insurance claims welcome on motor homes and recreational vehicles. FAQ Frequently asked questions about buying an RV, listing your RV for sale, financing and more! RV LINKS Visit sites relating to RVs MAP How to Find PPL...Map and Driving Directions . 10777 Southwest Freeway Houston, Texas 77074-1003 1-800-755-4775 (N.A.) (713)988-5555 (713)988-8447 FAX e-mail sales@pplmotorhomes.com Hours for PPL's Used RV Consignment Dealership, Parts Superstore and RV Insurance Mon-Fri 8am to 5:30pm CT Sat 9am to 4pm CT Closed Sunday PPL Motor Homes All Rights Reserved, 1997-2006 Revised: 01/05/2006 -- PPL Motor Homes 10777 Southwest Freeway (Highway 59 South) Houston, Texas 77074-9829 713-988-5555 1-800-755-4775 Hours: 8-5:30pm Mon-Fri 9-4 Central Saturday PPL Home | RVs for Sale | Steps to Buy | Sell Your RV | Insurance RV Parts Superstore Home | Service | About PPL | Photo Tour | Contact PPL PPL Motor Homes Houston, Texas All Rights Reserved, 1997-2006 Used RVs, Motor Homes, Motor Coaches Organized by Brands and Models RVs ( Recreational Vehicles ) Motorhomes 5th Wheels ( Fifth Wheels ) Travel Trailers Motorcoaches Buses or Diesel Antennas & Satelites King Dome & KVH Tracvision RV Satellites , Winegard TV Antennas , Satellite Finders , Satellite Locator , Satellite Meter Air Conditioners (Roof) Coleman , Carrier , Duo-Therm RV Air Conditioners , Marine Air Conditioners Awnings & Screen Rooms Awnings, Screen Rooms, Awning Parts and Accessories Gas Grills/Accessories BBQ Grills, Portable Cookers, Gas Lighters & Accessories Bikes and Bike Carriers Bikes, Bike Carriers, Racks & Ladders Recliners,Chairs,Tables Folding Recliners, Chairs, Tables, Camping Items Chemicals & Cleaners RV Toilet Chemicals, Enviro-chem, Aqua-kem & RV Cleaners Covers (RV,Tire,WindShield) RV Covers , Storage Covers , 5th Wheel Covers , Travel Trailer Covers , Windshield Covers and Tire Covers Directories & Books RV Directories, RV Books, RV Manuals, and the Next Exit Electrical (110 Volt) RV Power Cords , Outlets, Adapters and 110 Volt Electrical Electrical (12 Volt) RV Converters, Inverters, Chargers and 12 Volt Electrical Furnaces & Heaters Atwood , Suburban , and Olympian RV Furnaces and Parts Generators ( Onan RV ) Onan Generators , Onan Parts , Home Standby Generator , Residential Backup Generator and Onan Manuals Jacks, Levelers, Chocks Electric Trailer Jacks , Tongue Jack , Camper Jacks , Power Jacks Scissor Jacks , Stabilizers , Leveling Jacks , Wheel Chocks , Wheel Locks , Hydraulic Jacks LP Gas LP Gas Cylinders , LP Gas Parts and LP Gas Accessories Lights 12V RV Lights, Thin-Lites, Light Bulbs and Fluorescent Tubes Mirrors Towing Mirrors, Clip On and Cipa Mirrors Plumbing (Black Water) RV Toilets, Tanks, Plumbing and Sanitation Accessories Plumbing (Fresh Water) Flojet Pumps Shurflo RV Water Pumps , Filters, Fixtures and Water Tanks Refrigerators Norcold and Dometic Refrigerators and Refrigerator Parts Roofs & Roof Repair EPDM Rubber Roof , Roof Coatings, Sealants and Repairs Sealants & Adhesives Caulks, Sealants, Adhesives, Sealing Tapes and Repair Kits Solar Power Solar Power Kits and Solar Battery Chargers Steps & Mats RV Steps, Step Parts and Step Rugs Stoves/Ovens,Microwaves RV Stoves , Ovens, Microwaves , Gas Cooktops and Range Hoods Towing & Hitches Blue Ox & Roadmaster Tow Bars , Tow Dollies, BrakeBuddy , and Hitches Vents RV Vents, Vent Covers, Power Vents & Vent Parts Water Heaters & Parts Suburban and Atwood RV Water Heaters and Water Heater Parts Wheels & Suspension RV Wheel Covers, Simulators, Shocks, and RV Covers

Mobile home insurance developed

American Association of Insurance Services This article appeared in the Summer 2004 Vol. 29, No. 1 issue of Viewpoint. BACK TO VIEWPOINT ARTICLES Manufactured Housing A new term does not eliminate old distinctions Precise use of language is essential in insurance underwriting. Unfortunately, people in other fields can sometimes adopt terminology that can be misleading for property/casualty professionals. Residential property insurers have long understood the distinction between site-built (or stick-built) homes constructed at permanent locations, and mobile (or trailer) homes constructed in factories and hauled to a site. That distinction in how homes are constructed leads to different property loss experience for site-built and mobile homes, and provides the basis for the separate Homeowners and Mobile-Homeowners insurance programs offered by AAIS. Beyond the loss experience, however, standardized homeowners and mobile-homeowners programs are very similar. AAIS uses largely identical forms in both. Confusion can arise, however, when the term manufactured housing is used to identify mobile homes, as the mobile home industry has done in recent years. That term was adopted by mobile home trade groups to improve the image of mobile homes and reflect the enhanced size and features offered in today's mobile homes. Manufactured housing, however, also refers to modular housing, residences constructed from modules that are assembled in manufacturing facilities, shipped to permanent locations, and permanently affixed to a foundation and adjoining modules. Modules can arrive at a site completely pre-assembled, with plumbing and wiring included. Manufactured housing, therefore, encompasses structures ranging from million-dollar estate homes to traditional trailers. Beyond that, virtually all new residential construction has some manufactured elements. What is happening is that all new dwellings have some degree of pre-assembly, says Tom Underwood, president and COO of Utility Body Works, Elkhart, Ind., a mobile home manufacturer. Even stick-built structures have trusses that are pre-assembled. It used to be that everything was either stick-built or a mobile home. Now there's more of a continuum. While that may be true for residential construction techniques, the old distinction between site-built and mobile homes still appears to be valid for property insurance purposes. The challenge is to make sure that residences are properly classified. Mobile homes stand apart Mobile homes have long been defined as a unique subset of owner-occupied residences, and that is still the case. For example, American Modern Insurance Group, a carrier that specializes in insuring manufactured housing, defines a mobile home to be a factory-built structure at least eight feet in length that is constructed on its own chassis. According to Jerry Wachter, vice president for manufactured housing, the requirement that the structure be built on its own chassis ensures that a mobile home policy cannot be written to cover other types of manufactured housing. The American Modern definition of a mobile home explicitly includes expansions and additions to mobile homes, as well as fixtures. The purpose, says Wachter, is to allow for the full range of possibilities in modern mobile homes, without applying mobile home coverage to structures that have different loss characteristics. A fire safety study conducted by Foremost Insurance, Grand Rapids, Mich., indicated that the fire rate for mobile homes was less than that for site-built homes. The better fire rate is attributed in part to implementation of a national building code by the U.S. Dept. of Housing and Urban Development (HUD) in the 1970s. Mobile homes are more susceptible to windstorm loss, however. As the American Modern definition suggests, there are three characteristics that can be used to define a mobile home: Off-site construction in a factory setting; Construction on its own chassis; and Construction to HUD building standards, as opposed to local building codes. Does method matter? As for establishing other categories of manufactured housing for insurance purposes, there is little evidence of statistically significant distinctions in loss experience between modular and completely site-built homes. Modular homes are treated the same as site-built homes in terms of financing and insurance, says Bruce Savage, spokesman for the Manufactured Housing Institute. I'm not aware of any statistics showing they perform (in loss situations) differently than site-built homes. Also, modular housing must generally be built to standards in local building codes, even if the modules are constructed out of state. The growth in modular construction would not be possible without widespread use of standardized building codes. Thus, when a carrier receives an application for a manufactured home, the first order of business is to determine if it meets the characteristics of a mobile home. Many manufactured homes would be better classified with site-built homes. The construction of the residence--frame, masonry, etc.--will, of course, be a key factor in determining the premium, but there is no indication to date that the method of construction, in itself, alters the risk. (As a practical matter, most manufactured homes that are not mobile homes will be frame construction.) Enduring distinction Property/casualty professionals accustomed to using identical forms to write homeowners and mobile-homeowners coverage may be surprised to learn how differently the two lines started out. Mobile home insurance developed from the identity of mobile homes as chattel property rather than real property, says Wachter of American Modern. Early trailer homes had axles with wheels and could be literally hauled away at a moment's notice. Given the character of early mobile homes, the insurance policy [covering a mobile home] was really a takeoff on auto physical damage coverage, Wachter says. That steadily changed as mobile homes came to be permanently affixed at locations and developed risk characteristics similar to those of site-built homes. For decades now, the basic, broad, special, and limited perils forms, as well as the personal liability sections, have been largely identical in the AAIS Homeowners and Mobile-Homeowners Programs. The persistence of distinct homeowners and mobile-homeowners programs lies in two related factors: rating and valuation of structures. Perhaps the last vestige of the original auto character of mobile homes is the fact that their structures depreciate faster than they accumulate real estate value, if they accumulate any real value at all. With mobile homes, the depreciation is greater than the growth in replacement cost, says Werner Kruck, executive vice president of American Superior Ins. Co., Plantation, Fla., a company that specializes in residential property insurance. With traditional site-built homes, replacement cost usually grows faster than the depreciation of the home. Replacement cost Every student of insurance learns that the market value of a home should not be confused with replacement cost, but it frequently is because mortgage lenders often insist that residential property insurance be written to cover the balance on a mortgage loan. Also, the appreciation in market value has often been considered a factor in calculating replacement cost, the assumption being that the cost of living drives the cost of construction. Whatever the reason, depreciation is rarely a major consideration in home owners insurance, except for older homes in areas with relatively low real estate values. For that reason, replacement cost loss settlement, with a coinsurance requirement, is a standard feature of most homeowners policies written in the U.S. Standard homeowners forms explicitly state, however, that replacement cost terms do not apply to mobile homes, whether or not on a permanent foundation, but without otherwise defining the term mobile home. Actual cash value loss settlement automatically applies to mobile homes; replacement cost settlement, if desired, must be added by endorsement. 'Gap' coverage In practice, the underwriting of a replacement cost endorsement on a mobile home policy is analogous to the underwriting of gap coverage on a personal auto, says Jeffrey Holaway, AAIS manager of personal lines pricing. According to Holaway, car owners frequently buy coverage that will pay what it costs to replace a vehicle that has been effectively destroyed, even if the amount of insurance exceeds the book value of the vehicle being insured. Replacement cost coverage for a mobile home is written on a stated value basis in some states, says Kruck. This raises the possibility that an owner can collect an insurance payment for a total loss, replace the damaged home with a used one at less cost, and pocket the rest of the money. Apart from the settlement terms, the distinction between homeowners and mobile-homeowners insurance lies in the distinction between loss costs for the two lines, and subsequently the information used to rate policies. Insurers should be cautious about applying loss costs derived from mobile home experience to manufactured housing that may be more appropriately classified with site-built housing. Joseph Harrington Editor Christi DeBrock Design Reprinting Viewpoint Articles Articles generally may be reproduced, provided the appropriate credit is given and a copy is sent to the Editor. For details, please call or write. Viewpoint welcomes your comments. Write us at: American Association of Insurance Services 1745 S. Naperville Road | Wheaton, IL 60187-8132 630-681-8347 | 800-564-AAIS | Fax 630-681-8356 Phone: 630-681-8347 | Fax: 630-681-8356 e-mail: info@aaisonline.com Top

RV buyers use a

Insider RV Financing Secrets Insider RVFinancing Secrets How to Buy an RV Current Rates Loan Programs RV Loans Home Boat Financing RV Financing Aircraft Loans RV News Apply On-Line NOW! RV Articles and Information Insider RV Financing Secrets Many people who contemplate financing an RV, or any other high-ticket items such as a boat or private aircraft, are intimidated by the length of the financing term needed for an acceptable payment. Typical financing terms are 10 to 20 years, with 15 years being the most common. Some consumers choose a shorter financing term and a higher payment simply because of their fear of the longer-term commitment. Even though they obviously know RV owners rarely, if ever, keep an RV for the entire term of their financing, they choose a shorter term. They unnecessarily strap themselves to a higher payment that could strain their budget; should illness, unemployment or other hard times take place. Others buyers choose the longest term available to secure the lowest payment possible; even though they could afford much more. They usually pay more interest than principal during the first half of the loan period, and wind up in an "upside-down" position when it comes time to trade or sell their RV. In other words, the remaining payoff on their loan is much more than the actual value of their unit because they chose the longest loan term. A Hybrid System Savvy RV buyers use a "Hybrid" type of financing system to get the best of both worlds. They finance the RV for the longest term available for the loan amount, which makes the payment lower than they can actually afford. During the loan, they make the monthly payment PLUS an additional amount, which is directly subtracted from the principal amount of the loan. When this approach is followed with discipline, it can lower the "effective" interest rate to as much as half the original rate - as well as dramatically shortening the length of the loan term. It also allows the most flexibility. Should the borrower face a situation where times are rough or money is tight, they still have the luxury of making the lowest payment possible. An Example of a $50,000 Loan Interest Rate: 6.25% Term in Years: 15 years Payment Amount: $428.71 Total Interest Paid: $27.167.80 Now if this person added $50 to each monthly payment, he would change the repayment terms to: Effective Interest: 5.64% Term in Years: 12 years Total Interest Paid: $18,927.20 Interest Savings: $ 8,240.60 Now lets assume that this person added $150 to the monthly payment. Effective Interest: 2.66% Term in Years: 8 years Total Interest Paid: $5,556.17 Interest Savings: $21,611.63 Whats the Bottom Line? Comparing our last example of a consumer applying our hybrid system to an individual who took out an 8-year loan upon purchasing the same RV The hybrid system would have saved nearly 4% in interest over the initial 8-year financing. By shortening your loan term from 15 years to roughly 8 years, you have saved over $21,000 in interest. You have also reduced your "effective" interest rate to less than 3%. Plus, the buyer has paid off a 15-year loan in about 8 years! Even if they miss a few months of additional principal payments, they will still have saved thousands of dollars in finance charges. The additional $150 per month added to principal has saved about $78 per month over choosing an 8-year initial loan term. That equates to about $7,500 savings in payment amount over the course of the loan. What if I Dont Make the Additional Payment? The key to making a hybrid payment system work - is discipline. You must make the additional principal payment every month, or very close to it. You should be certain your scheduled payment amount plus any additional amount you plan to add toward principal is within your budget. Even if you intend to use a hybrid payment system, but never add an additional penny towards principal you will have simply paid off your loan in the same manner the majority of RV buyers choose. Barry Wilder - President Best Rate Financial Services RV Loans and Financing Barry Wilder has been associated with his family RV business for over 25years. He is currently the owner of Best Rate Financial Services, providingloans and refinancing for RVs, boats and aircraft. They also provide RV and Boat Warranties. This article may ONLY be reprinted in it's full original form and MUST contain the author's information and linking structure. Please notify us if you are an authority in a related field and would like to submit articles. We welcome your questions and comments. Info@bestrate-loans.com 573-442-4949 For our Loan Application - Click Here! © 1995 - 2005 Best Rate FinancialServices -- All Rights Reserved.