The Courier News from Blytheville, Arkansas on November 9, 1937 · Page 4
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The Courier News from Blytheville, Arkansas · Page 4

Blytheville, Arkansas
Issue Date:
Tuesday, November 9, 1937
Page 4
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FOUR m/miEVlLLE, (AfcK.) COURIER NEWS TUESDAY, NOVEMBER 9, 1937. Ycnrs Have Brought Need For Flexibility, FHA Head Says WASHINGTON, D. 0.—The Technical Division of the Fbderal Housing Administration scls up slaiid- itr-js of construction for homes which arc to be financed under the Insured Mortgage System. Howard P. Vcnnllya, director of (lie division, points out tlial no particular style of architecture (s sponsored by the Housing Administration. In inspecting a property thai i.s to be financed by an insured mortgage, beside a well-arranged convenient plan, llic attainment of simplicity, good proportion, and balance is ol greater importance than ths particular style employed. Over i\ period of years, changed iKibil-s have brought a demand for 'flexibility In the arrangement of space, he saj-s. other institutions have taken from a houss some of its functions. Nursery schools, playgrounds, theaters, amusement j centers, restaurants, and other by- j products of modern life tend lo ilif- j ""•ft tli-> activities of the family. They are all competitors for a share of the family budget. As :i result. a desire for economy calls for less space without, the loss of a sens; ot space. This should be reflected in modern planning. Chaiiffc In Styles For the past 100 years, Mr. Ver- niilya believes, popular acceptance cf styles in domestic American architecture lias been a transitory thing. Today it is Colonial. Yesterday il was English tmlor, Ncr- man French, Spanish, Italian, prc- Cheerful Little Home Ol.^bCR. ( -4 Favorable Decision Given 57 .Construction Methods ceded by the gingerbread era and I its forerunner, the Greek revival. | sponsors. What will it be tomorrow? This question should be of vital importance to mortgage interests, be- more limn three him- j named case limited rulin«s were died methods of constructbi) have j given only. been examined by the Technical ! These examinations of methods Division of the Federal Housing i of construction by (lie Housing Ad- Artmlimtratlon at Washington, ac-1 ministrations Technical Division cording to Howard p. Vermilyn. constitute rlclltilte checks lo Inferior Director of the Technical Division.! methods of construction and faulty Advice on the eiricacy and suit-I materials. No examinations'or nil- ability ol the methods, specific in- I ings arc made, It is explained on formation thereon, or u ruling as to : methods and materials in general their eligibility for use in building | but only In cases where their spon- n house the mortgage of which is j sors request tlmt It be done insured under the Insured Mori-1 The following customary methods gage System have been the reasons j of construction are acceptable for • cause, of their dcpenrtEMc on marketability. . Changing rr.cdes of living and now materials and teclinimios have led lo the growth ol a new style— the so-called modern. Such evidence as exisls indicates that it is » development ol considerable vitality. Mr. Vcrmilya concludes, and one that cannot be dismissed as a. temporary fart. Us popular acceptance is still problematical.-a'factor which will affect the markstfibillty of houses designed in Ihis style. However, il offers a solution to the 'problems'^ tins age which can only be met through compromise by tho older slyles. Any appraisal ct il should receive a sympalhctic and impersonal examination, with a willingness to recognize its worth where It has been well done. prompting their submission by the j the construction or homes the mort- " of the requests j gage on which is insured by the have fallen In the latter category,; Housing Administration, when good Mr. Vcnnllya said. j materials and good workmanship General or favorable rulings have, are applied: (U Wood frame with been Issued by the Technical Dtvls- ion on 67 different types of con- i frame ! wood siding or shliHes- (2) wood masonry veneer- <3) ' itruction, according to Mr. Vcrinil- wood frame with stucco- <4> 'brick ya, but he explained this does notjmanonry or masonry b'lock- <5) Imply that all of the remainder of | pourcd-ln-placc concrete- and (0) the methods submitted for examl- [ udobe brick. nation- were, after careful and Sponsors of new inc(Ho.1s of con- irainstakh i»g processes of reviewing, struction are required by the Uous- rnlcd entirely unsound. In other cases trie sponsors have not been adequately financed to carry out their plans to produce houses, "while In other instances the product in Its particular use was lo be limited lo a restricted market. In this last- Does Not Build Houses or Provide Money Taxes, Insurance Payments Required The Federal Housing Administration does not lend mon:y or build homes. Every dollar of the mg Administration lo demonstrate that the method proposed Is a dependable and durable, type of construction before u ruling will be made to permli, the Insurance of a mortgage on a residence where il is \iscd. Borrower Must Have Low Cost Farm Home Combines Charm of Colonial Style With Modern Conveniences , With the vogue for .small low- priced homes prevailing In the United States today, you may be seriously considering building the) lituse which has for a nurrttfer of [ years been just a dream. An exceptionally light and cheerful house is shown In the accompanying sketch. This is one of the newer American plans with all Ihe modern features and conveniences and with the additional advantage of low cost. It offers comfortable and adequate living j space for the family with three or four members. Ymi will notice In the plan of llic first floor, thai the living room Is unusually large for a house of tills t,y|>e and there Is a fireplace and hearth. The window treatment is the modern cor-1 ner lighting; a large closet Is I provided iimlcr the stairs and the rconi Ijas attractively built-in bookcases. The dining room also has modern lighting. The kitchen is 0 feet :i inches by 8 feet with space for a modern range, electric refrigerator, well lighted, sink, flanked hy built-in cabinets. On the second floor the two bedrooms have ample closet space; This plan Illustrates numerous features of good planning for the farm home at low cost. The plan shows the use of logs In construction, although It Is equally effective In frame or rock. The rectangular plan Is economical of space. The central hall affords entrance to all the rooms, and provides' lor heating from one central heating device. Closets, hath, kitchen etiuipmsnt, and porch space are leatures that make the plan ricslraole. Complete working drawings of tills plan, No. 7-1118, may »o secured from your County Agent nr Home Demonstration Agent. This is cue of many plans designed for Arkansas conditions as a plan «rvlce to farm people prepared by the University ot Arkansas College of Agriculture. Algebra Added to Test For Cleveland Firemen CLEVELAND (UP)—Future Cleveland firemen must be more intellectual, the civi! service commission has ruled. Following a poor showing of applicants for police jobs, Laurence J, Young, secretary of trie commission announced: "In the past fire department applicants could have two years hie'ii school or the equivalent, which meant anyone could take tbc civil service examination for lircmen. This time there will be mole than 400 questions in a three-hour examination. References are Hughes' 'Building Citl- /cirship.'. Cagruder's 'American Government,' Lake's 'Exploring the World of Science' and any elementary algebra textbook." College Head Defends Fraternities as Asset TROY, N. Y. lUP>— Dr. William Otis Holclikiss, president of nens- selaer polytechnic Institute, defends fraternities as part of the essential training for life of the college student. ''I believe in fraternities because I am convinced by long observation they have something to offer which would otherwise be less effectively done," he said. '''Or. Hotchkiss said he always ii'arns new classes thai the four years of colloge life will produce the most rapid change of any equal period In their lives. . uetnoums nave ampie ciosei space; rv. 1 D L L » U there is an additional storage roomjl'ICk KOberiS Home oil the small ball and a complete modern bathroom. The sketch of the exterior shows particular attention to detail. The porch gives entrance to the living room but is not the main approach. The dcor frame is plenn- anlly colonial and shows lantern . which adds Interest to (he front of the house, window also gives rarle This small hcme, on a well- chosen pleasantly-wooded lot, will mean many years ol satisfaction. Modern financing under flip P. H. A. Insured mortgage plan makes low cost building possible. Principal, interest, taxes and insurance arc included In the monthly payments which can be arranged over a 20-year period If required. The down-payment is afcoul 20';t of Ih2 value of the entire property. For further information address iM. O. Wniigh. IVfiO church St.,' N. VV., Washington. D. C. Chickasawba Completed Mr. and Mrs. Dick Roberts have moved into their new home, al 410 Chickasawba avenue, which) they have just completed. Tlie five room cottage is an example of the convenience which A round """^ be an ' an S e<1 in a ho»3= in the A loumi , ower pr , co bl . ilcket and , xt the same Oil Companies Busy Building, Remodeling 20 Per Cent Equity! The erection of a now bulk station building for nn incoming'oil company and the Improvement of The Federal Housing Administra- two retail service stations arc the chief building activities this week. The Lorcco Oil company is hav- Tlic Insured Mortgage System of i he will the Federal Housing Administration I available to lion is limited In the insurance of dwelling mortgages which do not borrowed exceed 80 per'cent of Ihe value ot money is private capita!. The Fed- the home property, determined byi'ng a new plant erected and the j eral Housing Administration in- its own valuation system; therefore.' service station, il recently acquired, i surcs the lender against loss, so that i it is necessary that a borrower | Improved and the Magnolia station be willing to make funds [ have at least a 20 per cent equity, at Sixth and Chickasawba Is being the mini who needs | or sufficient cash to acquire a 20 requires a monthly payment, of taxes | to barrow for this necessary am] j per cent entiily by means of a down and insurance premiums at the i legitimate purpose-to build a home, payment. same time thai monthly payments j The Federal Housing Adininislra- • ________ are made on the mortgage, because ! "on system provides a horn; mort- «.. . ,, , Ihe system is based on a budget i gage which may run for as Jon? us I'llIljniUm Valuation plan for the benefit of prospective j 20 years; up to 80 per tent oAhe j owners whose income is derived in ; Federal HouMng Administration ap- ! monthly salaries and wages. By set- j praised value of the property, not i ting up this reserve the owner docs j exceeding S1G.OM) in amount; and not have to meet quarterly, semiannual, or yearly payments. The taxes actually accrue at approximately the same rate and during Ihe periods they are collected. Two Chief Factors In FHA Underwriting Th c underwriting procedure embodied in the Underwriting Manual of the Federal Housi valuation fe c which must ac- rcpaynble in small monthly pay- ! company all applications for mort- mcnts. ' " ! B«8o insurance to the Federal Housing Administration is S;i for each $1,000 of the lean, with 510 us a minimum. If, upon preliminary ewurmintion. the application is rejected, the entire amount Is refunded, if the ap- remodeled. Corrugated metal is being r^d for Ihe new wholesale plant, which adjoins the service station south on Highway 61 at (lie end of Division street .A room in the retail station FPP Is Rpmiirprl is bd "S redecorated and some new ice is ivcquiieu collc ,. c i c wor k R M fl \_ This work is be completed within FHA Plan Protects Inherilance Rights ^ „_____ lo real properly [ Plication passes preliminary cxiinu- Whilc the title involvrd in transactions under (he ! nutions n'nd then is' rejected later Insured Mortgage System ol the | lj V m "re complete processing, that Federal Housins Administration ' amount in excess of Slo is refunded. niay. in seme cases. i >t . vested in ! — sing Admmislra-! several individuals, the nrobjblc lion makes possible the sound opcr-! dower riaht of a<w n thc'fit- expcclcd to two weeks. TIic Magnolia station is to have a new modernistic front with a canopy, which will have a metal fin trim. This will l>e painted aluminum and the colors of the company will be used to decorate the signs on It. has been pointed out. The exterior is of siding, painted white, there is a solid foundation and a green composition roof. The small entrance will bo flanked with lattice work in the near future. The interior is well arranged with ample closet space and halls. The living room has a coat closet, there is a linen closet in the hall, a towel closet in the bathroom and closets in each of Die three bedrooms. One of the bedrooms, directly opposite the living room, was so arranged that, it can be diverted into a dining room when desired. The kitchen is ample large enough to accomodatc dinette furniture in one end and built-in cabinets will be added in the near future. Gay paper was used on th2 walls, there arc plenty of electrical outlets and a. double hall divitles two of the bedrooms into a separate part of the house. Woman, Hired i"'Killer to Die Harvest Ends And So Does Family Bliss WINNIPEG ,IUPi—The conclusion of the harvest may be a period of rejoicing for most ix?oplc and a season of national Ilianks- glving. but for officials of the city police court here it is nothing but a headache. The end of the harvest means the return of husbands from the fields, and the return of husbands pells family quarrels. "Look." said an official gloomily adicating a court docket of a rc- .ent day. "there begins (he grief." ation of its mutual mortgage insur- ] ture right [in Inheritance'of Guotl Investments As a direct result of its valui I by I lalion pens ance system through; Initial Service Cost Pays for Handling An initial service charge is made ty the mortgage to cover the expense of handling and closing the | liic minor hslvs is im! rnmrivnmifpd techniques and mortgage risk nit-1 loan. Some Institutions whicli°han- ing. Federal Housing Administm-} die mortgages insured by the Ped<a> proper valuation methods an'l i cr i-m-u-d /«! imr '• ' • I«J«M«S Annumsim- me mortgages insured by the Ped.) mortgage risk ratini > 'ancemcnf '"'" i ll °" ' ns " ml '""'sapes are eagerly i eral Housln 8 Administration spread sought its investments. VQUR PROPERTY With Better Water Facilities If you m-i> a in-op'.Ttv owner mil- IM !)»• 1)CK( impvovcmnHs you can mal'c is lo install bettor wator facilities, a new hath shower, ;i modern kiU-licn sink, a hot water healer or a convenient tap in the yard. Such improvements not. only enhance (he value of your |u-t)i)crt.y- Imt enable you lo obtain the fullest service from your water system. Ccurlctius, Personal Attention to Every Customer i Ph "" c S0 : 113 S. Bnwidwav this cost over the period of the loan. *~* * * *"*"*"*" *•• Come in and Get Your FREE Copy of SHERWIN-WILLIAMS ROOM OF THE WEEK * •X * * * * Yr *'*****+**********. Bright ideas for livening-up your home with PAINT Whether you're planning to repaint or redscorofe a single room or your entire home, don't fail lo drop in ot our store for your copy of Sherwin- Witiiams interesting and instructive "Room of Ins Week" folder. We hovs a display of me room,too, in large stze showing exactly how the suggested colors and their combination will look on the finished job. ', SHOUSE HENRY HARDWARE CO, I "THE PROGRESSIVE S'l'OKE" J. W. Shouse Phone 35 Wilson Henr cases of assault and battery with two were listed, together :ases of non-support. "This Is nothing," he continued, 'to what it will be in n few weeks Death in lh« electric chair \i\i a the sentence passed upon Mrs. Marie Porter, 37, top ptloto, upon conviction of plotting the murder of her brother, William KnplH'n, rit Belleville. III., on his U'OcUUnti day; Also doomed wus H;.lr)h Gi;mcol;i, I'l, lower left, tunned ttio Mclual sl.-iycr, to whom Mrs. Porter, the mother of four ehildicn, promised a shave of Kappcn's insurance, .lolm Giuncola, lower right, also" hired <-*a an assassin, was sentenced lo 99 years in prison, . imc. Whenever a husband starts laneing around the house, stick- ng his feet in the even all clay uirt takin? the odd snifter of tome brew at night, trouble bonnet to result." Underwriting System Consistent The underwriting system, through which ri^ks are determined, is accomplished n y pre-established Is ' standards and by their consistent application. V Cliaiiffc restless, lossiil" '»9l>ts fnv 0) siiund refreshing sleep —«'Vl you start life i-vcr again; Sleep on a Simmons Sountl refreshing sk«i> every night makes you feel 10 years younger. If you want thai kind of sleep you need ;i Simmons Bcautyrcsl. This ruinous mattress costs only §3».50 and it gives vm , y ears ,,r s ] ee ^ luxury. Take advantage of low terms to own a Bcau- lyrcsl... Safeguard your health and beatify. Hubbard Furniture Co. THE SIGN OF GOOD ROOFING J'r.r vrars thr mnlr'H rniblfm has stood for rtr> r)rij[lnl)lc qifaliiy ni ronf- i"C. Mule Hide Roofs everywhere arr. str.rnlin? up against Ihe trst nf lime and weather, proving the incjil economical rrnliri£ over a pcriorl of years. ncuiRK \\i~m us ox UOOPING wow BKFOHK SEVBUB WEATHER THE ARKMO LUMBER CO, PHONE .10 Wall Paper is not expensive at any lime but we have exceptional bargains NOW Prices have advanced but we are offering our 1937 patterns NOW at reductions you cannot afford to pass up, Come in and see for yourself. EX.ROBINSON *LUMBERCa^ PHONE IOO Wa Dd The Ro«H ~ARKANSAS

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