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FOUKTtiliN WV.l!iJNlN« TJMISS, CUMBERLAND. Ml)., WEDNESDAY. DECEMBER 15, 19'I8 Phone 4600 for n. WAJVT AJD TaKer DRAFTEES & VETERANS GUIDE By MAJOR THOMAS M. N1AL 't.. A plan hiding in the central of- 'fice o' the VA for two years is be- ••ing allowed out into the light to- I'flsy. — you have ideas of buying -'ft n«s? house with your GI Bill 'loan, you'll'inuit to know about St. General Omar' Bradley was VA administrator when the Loan Guarantee Division got the idea some" thing ought to be done about poor "housing construction. They were interested because many veterans •were ustag their GI loans to buy poorly built houses. Then' Bradley went back to the Army, and Carl Gray came in as VA admlnisrator. Although. Gray once completely discounted VA's responsibility lor poor housing.con- struction, he is the man responsible for putting the new scheme into operation. . Here it is: Starting • today, any Souse built for purchase by a GI loan must conform to cui'tnln construction stumliii'clH—provided Uic bulkier nctu n pre-eontiti'Licclon, VA-apprrUsnl on the value of the houses (1,hroui0 plans and specifications). The thing is, no builder has to get that pre-construction appraisal. He doesn't have to. get his house appraised until it's finished if he doesn'-t want to. In tihat case, he does not have to build according to any standards. However, I understand that most builders favor the pre-construction appraisal method, for a reason to be 'stated in a minute. 1 ' The construction standards which must be met are those which govern FHA mortgage loans. They stipulate, for instance, tha maximum spacing of Joists and studs, types of wood to bo uiiucl. fluidity of worlc- muniihlp, nluinbliiK. hnidltiE ftnd electrical requirement!!, el.c. VA also has issued susucsiious for site-planning, architectural designs and arrangement of pre-appraiseri homes. These are only suggestions, °nd VA can't force, builders to go along even if they do get ?re-construction appraisals. But the builder who follows VA suggestions in building homes for veterans is going to get a higher appraisal on his product than the builder who doesn't. That's what builders want—higher appraisals. The GI Bill states that no home can be bought with a GI Bill loan unless its VA-appralsed value is no lower than the asking price. For instance, if the builder asks OURBIG "HEAT-FLO" ROASTED COFFEE CONTEST °* oe ***** Richer, full-bodied blend of the Hneit South American coffeei OSCO COFFEE 2 , b , A lighter blend with a vigoroui coffee tost* WIN-CREST COFFEE 2 lbi . Heavier bodied. Rich, full flavor. Vacuum packed nj^i noPFFF ibc ° n 51 c 2JcLea.L vvrrtt or \ ar Qi. SAVE COUPONS FROM Alt OUR BLENDS FOK VAWABLl GIFTS ACME SUPER MARKETS AND AMERICAN STORES •510,000 for 11 house mid tlic VA n ll, In woi-Lh only JD,000 no vul- enui cun buy that houso with a GT Bill lonn. The builder has l.o lower his price to $9,000 II he wants to sell to a veterans needing GI loan aid. That's why most builders are go- tiig to get pre-construction appraisals on the homes - they build for veterans. They know that with VA watching their building and checking construction methods they will rtut higher ftppraliiiUs and hcnco will be ubto to null for 'more mawy. Builders know Uml. many potential home buyers (veterans) have no way to finance their purchase other'than-by the GI Bill loan. The result, says . VA, should be better construction in a lot of nets- houses. Pur fanning is one of tne most important industries or Canada. SPECIAU FOR THE MOW SUIT CROWD! CHILD'S WARM Alto in O49 BROWN . *• Sizes 5 to 12 WARM-LINED RUBBER PROJ-ECTION/ IXtRA 135 Baltimore St. WAF TctilH Prolinilnury phyoicid and wicnttJ tests lor u three-year enlistment in the WAP have been passed by Miss Audrey E. Roy, 20, daughter of Mrs. Mae E. Roy, Wellersburg, Pa. Modern tolfiscopc* rovcnJ about 1BO.OOO suxrs within the Txwl "of the Bis Dipper. - . Rainbows are formed' by ih« reflection of the ^un through • raindrops.. , . ' • •'. w ; '. • »••••»* FJIQII u/ivit *200-*1ffOO On Signature, Car or Furniture NO ENDORSERS REQUIRED .Do you need cash to take care' plans. 'Household offers a of any of the many extras that variety of repayment sched- come up. at this time of the ules for your convenience. -. - vear? You can borrow up to, S1000 at HFC and take 6. 12. 15 or more months to repay, depending on the purpose of your loan. Borrow For Any Good R*oion Thousands'of customers.find . money help at HFC every' week! They get cash to pay ,„„.,.... „_,_ .... ,. . » Lav. Our <)uutci tm atl bala*ea ej UOO '. , overdue bills, medical or den- ",^ *™, «r*"™f ig ' l » *™ "*~ *• / < *~7. tal bills, seasonal .or emergency expenses. Repay Tha Convenient Way Colt, Ton G*l * $100 200 ,. 300 : 500 tooo MONT 20 tifymtt S 6.41 12.65 18.80 2ass 56.81 W.Y FA1 11 intymtf S 8.08 •15.98 23.80 37.47 73.66 CMEKT » 12 l>*rmu S^-75 19^3 28.82 46.09 90.58 1AH1 '• f ffimtt S18.15 36.13 54102 8934 ^75:43 \*dude costs cf UK loam f\<- Table shows sample lonn ^ No endorsers arc required, , and our charge on loans. of, $300 or less is substantially*; below the lawful maximum.- 1878 • Oar 70tb Anniversary HOUSEHOLD FINANCE - = - <^^*ss^tr*' - — — • Liberty Trust Co. Bidg. r 6th ROOT Entrance on Centre St., Just off BoltinMM PHONE: 520O— Cumberland loam Made to Residents of Nearby Towns Centre Street Loan Co. 40 N. Centre St. SALE! Tremendous Reductions! HUNDREDS OF BARGAINS TIME FOR CHRISTMAS GIVING! Look at These Buys! Men's 'Yellow Gold STRETCH WATCH BANDS Gold Filled Reg. 15.00 *2- 95 PLUS TAX Flash-! Special! Men's 15-Jewel Bulova Wrist Watches Unredeemed $2450 . plus tax With simulated diamond and ruby stone set dials and gold filled expansion bands — yellow gold. Ladies' Gold Filled Expansion Bracelet and Locket Sets Regularly $22.50 $975 Ladies' and Men's DIAMOND RINGS Unredeemed SO 50 up ; AII diamonds go at 'a fraction of their original cost. Many Other Sensational Values Too Numerous To Mention! • Watches • Wallets • Luggage • Clocks * Costume Jewelry * Diamond Rings • Birthstone Rings • Pen-Pencil Sets • Cocktail Sets * Dresser Sets • Radios' * Toasters HURRY! HURRY! DON'T MISS THESE BARGAINS! CENTRE STREET LOAN COMPANY 40 N. CENTRES!.