The Cincinnati Enquirer from Cincinnati, Ohio • 53

SECTION TWO THE ENQUIRER, CINCINNATI, SUNDAY, DECEMBER 15, 1940 National Notes On Eeal Estate anne emonal conference fa the banquet speakers. Mr. Knis I -t RAMBLING EFFECT CREATED I I i tjjry I Iff? fa Vt" 1'-- ill 1, rtKgrr. Continued From Iag 1, Section 2. cies, will begin to function as a real consolidating factor.

Home owners and others Interested in real estate will view th event with approval, and approve also the choice as his successor of Abner Ferguson, long the able counsel of the organization. land-Use Surveys Hit. Land-use surveys are being made in city after city as a "make-work" project. One recent such survey in one of the country's largest cities cost $700,000. Another is now going forward that will cost $3,000,000.

It is heartbreaking that this hugs expenditure should prove to be too largely useless. Land-use data should be socially and economically very valuable. But a mere wholesale gathering of facts without some plan for using the facts is always a waste. Money for "make-work" surveys is easy too get. But the surveys usually have been made without any definite objective, and th cities do not have adequately financed planning commissions which can collaborate with and use the survey staffs.

For a fraction of the money being spent for poorly conceived surveys, many cities could have had what they need for revised up-to-date operating city plans and new zoning ordinances, and be on their way toward reconstruction. Federal restrictions as to how Works Progress Administration funds shall be used in detail is working out in unfortunate waste in this particular field. MORTGAGE LOANS Direct Reduction or F.II.A. Loans FIDELITY FEDERAL SAVINGS LOAN ASSN. 2087 Sherman Norwood.

JE 8840. 631 Walnut Street. PA 4500 TERMITES Free Inspection (iuarantced by a company' over 41) yrs. In business In Cincinnati. kTHREEWAY TERMITE CONTROL CO.

Kxclnftlve Termite Sprrfallnt. 1212 RACE ST. PA 4462 Kff IVIpphnitf Bunk. eTop ifacK inside cover. ww GARAGE DOORS operate overhead easier and more quietly than any other type door.

Only 2-lnch headroom necessary. Installed and guaranteed by D. H. WILLEY LUMBER CO. Phone MOntana 1250, Cincinnati will lie climb clown your chimney or one that you are renting? Plan now so that by next Christmas you Mill have a home of your own the greatest present that any family can ever receive.

Come in and let us show you how easily you can buy a home when you finance your purchase with us. 'SAVINGS LOAN CO. I 41 East Fourth St. PARKWAY 6619. Mwi'iBWjy -Bgi tf.pM.uim miiiL.uuniMi.wi '''i i mi- kern will be expected to outline important questions with which real estate is concerned In the "challenge year," 1941.

Governing Boards of the Associa tion's Institutes and Divisions, and important committees of the asso ciation and its branches, will meet through January 26-28. Headquarters for the meetings will be the Roosevelt Hotel. Cvrus Crane Willmore, St. Louis, Vice President for the South Central region, will open the confer ence, ma topic: -me Main mgri-wav Is Straight Ahead." Donald T. Pomcroy, Syracuse, New York: Chairman-elect of the Brokers' Di vision of the association, will ad dress general sessions on planning and directing real estate DroKerage activities in 1941.

On this program David D. Bohannon, San Francisco Chairman-elect of the Land Developers and Home Builders Di- viskn, will outline home development opportunities in today's market. HobartC. Brady, Wichita, hcadliner wherever he speaks, will talk on selling real estate today, and Herbert Stamats of French Stamats Company, Cedar Rapids, Iowa, will talk on background selling. A complete ten-lecture course in the essentials of scientific real estate appraisal, arranged by the American Institute of Real Estate Appraisers, and a parallel ten-lecture course in real estate management, conducted by the Institute of Real Estate Management, professional branches of the association, will be open with no extra cost to everyone attending the conference: The appraisal process; will also be held on home building and land development, and on brok erage problems.

SHORT COURSE PLANNED. Covered in the appraisers' "short-course," which will be packed into the regular three-day regional con ference: The appraisal process; market data needed and cost data needed, depreciation, gross income, operating costs and how all these are estimated; capitalization rates and how they are chosen; residual techniques; correlation of all this in the final estimate of value; the appraisal report itself. Curt Mack, M. A. Washington, D.

assistant administrator and director of underwriting of FHA, will speak on the making of tpe appraisal report. "Residual Tech-ninues" will be discussed by George L. Schmutz, Los Angeles, President of the institute. William MacRossie, M. A.

New York, will talk on gross income. Edward M. Thornhill, M. A. St.

Louis, will discuss market data the appraiser needs. Charles F. Curry, M. A. Kansas City, win oe the speaker on capitalization rates.

K. Lee Hyder. Chicago, iormer President of the institute ana Chairman of its editorial board, will talk of depreciation and how it is allowed for in the estimation of value. Burrows Johnson, M. A.

New Orleans, will talk on the correlation process, and E. Holland Johnson, M. A. New Orleans, on cost data needed. Ralph V.

leiu, Galesburg, 111, immediate past President of the institute, and dean of some of its recent case-study courses, will have the opening lecture on the appraisal process. Herman O. Walther, M. A. Chicago, will discuss operating costs and how they are to be estimated in the valuation process.

FACULTY HEAD NAMED. J. William Markeim, Philadelphia. President-elect of the In stitute of Real Estate Management, will head its "faculty" for the lec tures covering every phase of the management process, which will be a special feature of the conference The 10 speakers whose talks will be integrated in this comprehensive short survey of real estate adminis tration will be experts drawn from many sections of the country. Here, under a commission created by the State Legislature, restoration of old buildings to modern use is troinsr on under a plan to retain the flavor and charm of the old balcony-hung facades and intriguing courtyards.

And the transformation of old mansions and stables and slave quarters into modern apartments is enhancing values, sometimes fivefold, New Orleans realtors say. "After-glow" of the conference, and of the executive meetings, will be an informal get-together on the closing evening, January 31. Examinations for admission to the American Institute of Real Estate Appraisers and to the Institute of Real Estate Management will be held on Saturday, February 1, directly following the conference, open to all qualified persons. MEASURES Of Defense Subject For Discussions By Realty Brokers In South. Groups To Meet In New Orleans For Winter Session Finances First.

With discussions centering around developments of the present defense economy that are affecting urban real estate in highly important ways, the National Association cf Real Estate Boards will hold its first-of-the-year executive meetings In combination with a regional con ference of more than usual interest In picturesque New Orleans during the week of January 27. Directors of the association will meet in New Orleans January 28. The South Central Regional Con ference of the association, first of a new type, bringing together realtors of Missouri, Kansas, Oklahoma, Texas, Arkansas, Louisiana, Colorado, and New Mexico, with realtors of the North Central and Great Lakes States also invited, will fill January 29, 30, and 31. Officers of the association for the year 1941 will be installed at a banquet to be held on the opening day of the regional conference. Newton C.

Farr, Chicago, President of the association, and Philip W. Kniskern, President-elect, will be Vf tocc wool M7 mcifi KTiriM -n rwr Fireproof Vermin-proof FOR NEW AND OLD BUILDINGS Saves Fuel Reduces Drafts No Operating or Maintenance Cost Free Estimate! No Down Psjment R.E.KRAMIG Insnlstion RpeeUlists for 44 Years K2 EAST 14lh ST. CHerry S4M. ON HO FHA or regular EAGLE plan. Interest and Monthly Payments at Prevailing Low Bates.

SAVINGS ft LOAN ASS N. MAIN AT COURT CINCINNATI NO BRANCHES. Loans on REAL ESTATE Our Specialty SOUTHERN OHIO Savings a Tru Company 615 MAIN STREET A Xmas Gift mYjsV i Mr. and Mrs. William Hastings Kreidler acquired this residence at 1215 Hayward Avenue, Hyde Park, from Mr.

and Mrs. Michael Marx. Center hall, living room, dining room, screened breakfast porch, and kitchen are on the first floor. Three bedrooms, bath, and separate servant's quarters are on the second floor. Insulation, weatherstripping, and gas-fired heat are additional features.

Lot size is 70 by 150 feet. Kreidler is Vice President of the Schneller Insurance Agencies, Inc. Harry E. Niemeyer Company closed the transaction. per, 45 by 82 feet on the south side of Mechanic Street, 120 feet west of Main Street; SI.

ROSELAWN PARK SUBDIVISION Fred C. Walters, to Winifred B. Rush, wife of Thomas part of Lots 107 and 108 of First Extension; $1 (tax SHARONVILLE Jeannette H. Boyle to Delia Potthoff, 80100 acres of land In Section 30, Sycamore Township; $1 (tax SPRINGFIELD TOWNSHIP Lewis B. Bowles to Minnie L.

Gray. Lot 77 of Carter's Waverly Place Subdivision; Section 10; $1 (tax 55c). SPRINGFIELD TOWNSHIP Frederick Bahr to Esther Bahr, 80 acres of land in Section 24; Mill Creek Township; also, 1 acre of land In Section 19; $1 (tax 11). SYCAMORE TOWNSHIP Mary L. Cave- nauch to Susan L.

Gray, an undivided one-half interest in Lot 215 of Hazelwood Subdivision, Section 12; $1. TERRACE PARK Emma Bailey and Rob. ert her husband, to Bonita W. Rawn-eley, 150 by 412 feet on Wooster Pike; also, an irregular lot on a proposed street in Section 29, Columbia Township; $1 (tax 19.90). WALNUT HILLS Walnut Hills Congregational Church to Trinity Orthodox Presbyterian Church.

10(1 by 150 feet on the northeast corner of Kemper Lane and W. H. Taft Boulevard; $35,000 (tax WALNUT HILLS Minnie A. Payton to Atha 8. Reese.

by 190 feet on the south side of Woodburn Avenue, 100 feet north of Lincoln Avenue; also, 9 by 5(1 feet on the north side of Lincoln Avenue. 190 feet east of Woodburn Avenue; $1 (tax WALNUT HILLS Viola Reynolds to Rodger W. Gaston, 43 by 61 feet on the southwest corner of Myrtle Avenue and Preston 8treet; $1 (tax WEST BIND Bernard J. Kamphaus and Mary his wife, to Ruth Williams, Lot 83 of Carson and Bell's Second Subdivision; $1 (tax WEST END Margaretha, Hagen to Sister of the Poor of St. Francis.

30 by 95 feet on the north side of Betts Street, 420 feet west of Linn Street; $1 (tax $8). WERT END Isabelle Okrent to Charles and Mary A. McCoy, Lot 4 of o. C. Betts Subdivision; $1 (tax WINTON PLACE Elsie H.

Armstrong to University L. and B. Company, part or Lot 7 of Hand and Fromme's Addition; also, part of Lot 6 of same subdivision; $1 (tax Mortgages Filed. John Scheuermann to Walldon, Inc. 3,700 Lafavette Lunsford to Lockland B.

L. A. Co Rodger W. Gaston to Walnut Hills S. L.

Co 3,400 1,450 Thoma.s W. Rush to Cheviot B. L. Co 12,500 Levi o. Huckaby to Oakland B.

ft L. Co 4.750 Same to same 4.750 Charles McCoy to Isr.bella 302 James M. Floyd to Edith Brommer. 1.500 Natalie J. Grecer to Walldon.

Jtianiata B. Jones to Western fx Southern Lite Insurance Co Charles Meade to Lenox B. L. Co. 4.000 5.150 2,500 Pearl Hammons to Home S.

ft L. Company 5,000 George Lell to Baltimore Avenue L. B. Co 4,500 Juiifia Stapf to Woodward B. A L.

co 3'400 Thaddeus A. Nolan to Mount Look- out S. ft L. Co 4,800 Hallie Haen to Warsaw Federal S. ft L.

A .70 George D. Meyer to Mariemont B. ft L. A i.800 Earl W. Noes to Harvest Home B.

2,000 Edward Ward to eame 3'225 Same to Oscar R. Koss Donald B. Bevis to Eagle S. ft L. A.

John W. Padgett to Jack H. Neu- mark Walnut Hills Congregational Church 700 4,700 660 to Trinity unnoaox Church 10.000 Ethel K. Nicholson to Big Four B. ft S.

Co 4,000 William A. Kisker, to uoiumuia Bank and Savings Co Woodside Homes to Walldon. Inc. Fanny Bettelman to Extension L. ft B.

Co 5.400 3,200 6,000 Mortgages Canceled. Lafavette Lunsford to Lockland B. ft L. A. Co 3.600 George B.

Ruwe to Antonio S. ft 4.500 Frank H. Elthlmann to Na- tttmal Bank 10. TOO Robert Hoehel to Apollo S. ft L.

Co. 5,000 Rov M. Zentmever to Southern Ohio Savings Bank 6.500 Same to Seventh Ward L. ft B. Co.

3.000 Ren Brinker to Harvest Home B. ft L. Co 2.000 Oscar R. Ross to flame 2.750 Louise S. Smith to Elizabeth Hlld- wein 4,500 Harrv Savin to Provident Savings Bark S.500 Walnut Hills Congregational Church to Fifth Third Union Trust 22.000 Cornelia W.

McCullough to Central Trust Co. 18.500 i DEEDS AND IMGRTGAGES Deeds handled last week at the office of the Recorder of Hamil ton County totaled 413, which is a loss of 3 when compared to the record of the previous week. Chattel moragtges handled dur-the same period amounted to 773, which is a decrease of 347 in comparison to the report of the preceding week. Trend of the realty and documental market in Hamilton County for the last four weeks is shown by the following report prepared by County Recorder Leo H. Beckman: Weelt Ending Nov.

23 Nov. 30 Dec. 7-14, '40 Deeds Mortgages 206 377 416 259 24 0 413 2ft8 253 74 1,115 12 35 76 1 5 13 258 293 75 773 9 15 127 '8 21 Cancellation 190 Land regietrat ns 62 Chattels 60S Leases 12 Liens 25 Miscellaneous 27 Plats 1 Assignments 12 77 1,120 9 23 61 1 2 11 Certified copies. 20 Total papers. 1,485 2.219 2,209 1,992 Real estate transfers effected vesterdav follow: (lax indicated In transfers Is affixed at the rate of 55 cents for every $500 or fraction thereof of value of property conveyed.) ANDERSON TOWNSHIP Richard G.

Hcxt to Mary L. his wife, part of Lot 12 of J. H. Gcrards' Subdivision, Mount Washington; tl. ANDERSON TOWNSHIP Clifford W.

Davis and Mary his wife, to Alda C. and Gertrude B. Elliott, part of Lot 4 nf Samuel B. Hawkins Estate, Survey 620; Jit (tax ANDERSON TOWNSHIP Maurice J. Rich mond to Juniata B.

Jones. 65 by 227 feet on the north aide of Wayside Avenue, Survey 916; $1 (tax 111). BOND HILL E. Clinton Holt and Tlllle his wife, to Fred C. Walters, Lot 25 c-f Bon Villa Subdivision; Jl (tax 9 35).

Ered C. Walters, to John B. Walters, same property; $1 (tax 55c). CHEVIOT William H. Reed to Flora.

his wife, Lot 27 of John Craig Subdivision; SI. CLIFTON Chloe H. Pectuiteln to Dunham Matthews, part of Lot 15 of Seth Evans Subdivision; II. COLLEGE HILL Anna Bahr to Norma Rone, SO by 94 feet on the north side of Ambrose Avenue, beinir part of Lot 2 of W. W.

Cary Estate; $1 (tax 15.50). John Sevester to same, part of same lot; $1 (tax 6 60), FAIRFAX SUBDIVISION Tony Mannlno and Margaret, his wife, to Nellie M. Martin, Lot 361; $1 (tax 55c), FAIRMOUNT Estate of Chester S. Clark to Loretta E. Clark, an undivided one-half Interest in part of Lot 33 of Clem-mer, Walker and Keblcr'a Subdivision of South Falrmount; $1,250 (tax GLEN DALE Harry et Eshman to Mary E.

Dlcckmun, an undivided one-half interest In part of Lot 222 of Crawford and Clark Subdivision; $1 (tax GREEN TOWNSHIP Charles P. Taft to Woodslde Homes, part of 2 of J. E. Mottier'9 Subdivision, Section 1 being Lot 5 of Woodside Homes Subdivision; $1 (tax GREEN TOWNSHIP Woodside Homes to Charles and Grace Luco, 5 of Wood-side Hemes Subdivision. Section 99-year lease from December 10, 1940, monthly rental $27.

GREEN TOWNSHIP Ben Brinker and Nora, his wife, to Earl W. and Marie M. Noes. 75 by 25ft feet on a proposed street. Gaines Road, Section 24; $1 (tax GREEN TOWNSHIP Theodore Feiss to Anna Feiss, an undivided one-half interest in 28 acres of land in Section 17; also in 91100 acres of land In Section 18; $1.

HA RTWEI.L Marie" E. McGowan to Lorraine Wanner, an undivided one-half interest in part of Lot 274 of Joseph F. Mill's Subdivision; $1. John R. Kiefer to same, an undivided one-half interest In same property; $1.

HYDE PARK Laura J. Fagaly to Henry and FJsa Gehl, part of Lot 1 of Vista Tark Subdivision; also, part of Lot 46 of Falrview Place Subdivision also, part of Lot 1 of Vista Park Subdivision; $1 (tax LOCKLAND Home 8. and I to Pearl Himmons and Henry her husband. Lot 62 of North Lockland Third Subdivision; $1 (tax (6.05). MADISONVILLE- Central Trust to Katherino Sickenper, Lot 893 and part of Lot 892 of Fourth Section of Madison Place Subdivision; $1 (tax MT.

HEALTHY Clyde A. Yerkes to Donald B. and Lillian Bcvls, Lot 9 of Roet-tele's Second Subdivision; SI (tax MT. LOOKOUT Hyde Park Methodist Episcopal Church to Charlotte Y. Roose, part of Lots 32 and 33 of Kilgour's Subdivision; $1 (tax MT.

WASHINGTON Harry c. Busch to James M. Floyd, Lots 114 and 115 of Finley S. Brook's Second Subdivision; $1. NORTHERN LIBERTIES Western and Souhern Life Insurance to Lillian Emmich, 31 by 90 feet on the east side of Main Street.

69 feet south of Woodward Street: also 17 by 90 feet on the east side of Main Street, 52 feet south of Woodward Street; $1 (tax $11). Emma B. Zarhman et al. to Mary Hrdce. 25 bv 120 feet on the eoutb side of Hoffner Street.

50 feet west of Apple Street: $1 (tax NORWOOD Norwood Homes to North Cincinnati L. B. part of lot 553 of Elsmere Syndicate fauhdivisinn; $1 (tax NORWOOD John Holmes Corporation to iNorth Cincinnati L. A B. part of Lot nf Leslie and Dick's Subdivision; $1 (tax NORWOOD Robert W.

O'Brien to Jewel S. and I.ura T. Hinton. Lot 159 of Dale-wood Subdivision; $1 (lax READING Goldie M. Hoeper to Clem Hoe- KW urn About Town With Urokers, Builders Architects.

Continued From Tage 1, Section 2. 96 feet at 546 Clark Street, and a two-and-a-half-Btory brick residence on a lot measuring 20 by 70 feet, known as the old Plageman home- I stead. The sales were made through John Johannigman of Frederick A. Schmidt, Inc. Oakley Deal- Made.

Tne Stayton Realty Company re ports the 3ale of the eight room frame duplex, 2783 Minot Avenue, Oakley, to Gerald A. Dietrich. It is on a lot 40 by 130 feet in size. The seller was the East Walnut Hills Building and Loan Association. Sells House At Auction.

Henry G. Allinger bought the six-room frame house, 570 Delta Ave nue, at auction from John Crawford, executor of the estate of Hester Crawford. Lot size is 25 by 129 feet. Joseph Harris Company cried the sale. Cline To Have The Christmas party of Robert A.

Cline, will be held at 6:30 o'clock Thursday night at the Racquet Club, Hotel Sinton. Buffet supper wil) be served. Miss Ruth Warnken is in charge of arrangements. Located On Hegry Drive. Frank Fcrnhacher purchased the five-room brick house known as Job No.

19, Hegry Drive, from Henry Hcgener, builder. Lot size is 50 by 150 feet. The garage is built in. John W. Eckerle of the Mason Real Estate Company closed the sale.

High Negotiates Sale. Situated on a lot 35 by 125 feet in size, the new five-room brick bungalow, 6735 Merwin Avenue, Madisonville, has been purchased by Mr. and Mrs. John Kemen from Eugene Maxfield. Negotiations were handled by Fred D.

High. Kemen is with the Lawton Company. Time To Renew licenses. Real estate brokers and salesmen are urged by Harry J. Mohl-man.

Secretary of the Cincinnati Real Estate Board, to renew their licenses before midnight December 31. Robert M. Winter, Secretary of the State Board of Real Estate Examiners, in a letter to the local real estate board on this subject, advised as follows: "All applications for renewals of real estate licenses that do not bear the postmark of December 31, 19t0, or prior to that date, will be returned, as the law does not grant any days of grace. A broker or salesman, who does not for any reason file his renewal within the stipulated time will be treated the same as though he never had been licensed, and will be required to pay the original fee and take ex amination." Rents Brick House. Rev.

Ray C. Dotson, pastor of Wesley Chapel, rented the five-room brick bungalow, 282 Bodman Ave nue, from Adolf Schleue. L. F. Gloystein was the agent.

Barn Included In Sale. Julia Boyle bought the eight-room frame dwelling, 1742 Beacon Street, Mount Washington, from J. F. Cleary. Lot size is 53 by 285 feet.

A barn was included in the sale, which was negotiated by Ray T. Bogart and Son. Mr. H. 520 THE UNION INSURANCE iJiyjliiHypiWi.ijpi,IWHWl)Hm iW 'I TffPi; I REAL ESTATE Gj Years We help budgeted other satisfaction always be investment.

Write today, for No A. Thi? gambrcl roof house is de signed to conform with the test American traditions, with a floor plan which meets the requirements of modern living. The generous iving room has a recessed fire place which serves to preserve the uniform width of the room. Upstairs are three good bed rooms, well arranged in their relation to hall and bath. Two of the rooms both adapted to twin beds, are provided with two closets each.

All of the rooms have cross lighting and ventilation, and all have ample unbroken wall space to facili tate arrangement of furniture. Feature of the exterior of Design 6-G-5: Gambrcl roof; simple en trance with loop stoop; shutters; semi-inclosed porch; semi-attached garage (if width of lot permits); small dormers; balanced opening. Feature of the interior: Entrance hall with coat closet, inclosed center stairs; colonial fireplace on inside wall of living room; pantry (breakfast nook nwy be substituted) be tween kitchen and dining room; outside entrance to basemsnt at rear; inside stairway from kitchen; full basement; three bedrooms, bath, six closets on second floor. This six-room house is a fine example cf the Dutch colonial -tyle perennially popular with American home builders. The gable ends show advantage the graceful lines of the roof, with its small, delicately proportioned dormers and close cornice.

Porch and garage wings balance each other at either end of thi- main mass of the house and tend to give it a pleasant rambling effect. If the lot is narrow, one or both may be omitted. The center stairway plan Is a standard type, convenient and economical of floor space. It per- Hal Hour hame-biiUding and repair qiivntinn it ill be nnnrprrd irilli out rmf to yim. Write ynur ques tion in detail, tiibntitting a iketrh when necewnry, enclose a self-addressed, three-cent stamped en velope, and mail it in the Home UuUding Editor of The Enquirer, WOOD SHRINKAGE.

Q. After my floors had been down about two months they began to open up at the ends of the boards, and there were a good many cracks along the sides. I was In structed to turn on the humidifier when the joints would close. They did, but it may not always be pos sible for us to have the humidifier on, and at that time I suppose that these joints will be permanently open. What is the answer? A It is natural for boards to shrink and expand with the hu midity.

Wood is like a sponge, which absorbs whatever vapor there is and expands with it. Naturally, if the air is very dry the wood volume will be reduced. There is nothing to be done about a thing of this kind. It Is usual and to be expected. There Is no such thing as perfect construction.

condensation: Q. -In our new house, when there was a period of cold weather succeeded by one of warm weather, water ran down the side walls from the ceiling. No leaks are to be found in the roof. Could this be caused by humidity in the attic space A Undoubtedly yes. The way to keep down vapor losses into attic spaces is to install vapor stops.

In the absence of these, ventilation of the attic space serves very well. BACKFILL. Q. Our house is built in clay and the foundation wall is waterproofed. Nevertheless water comes under the foundation wall at certain places.

We have been informed that this is caused by settlement of the backfill, which tends to conduct surface drainage down the wall, and that it will end as soon as the backfill is seasoned. Is this true How long will it take? A It is true. It will take about -TERfVlITE-i PHOBLEM SOLVED BY TERMIN1X World's Largest In Termite Control PREVENT COSTLY WOOD DAMAGE EACH CONTRACT INSl RED and Bonded by Ottihinrd Rp-uinrrp. OVEIl 40 MILLION DOLLARS. For FREE INSPECTION Call 6757 TERM I NIX iDlst.

Licensee, 628 Broadirar toiT jjil 1 foci Kur mmi 1 JJ-. (Jtr mits a living room extcnaing the d'pin of me nouse, wun ouisucs exposures on three sides. The en trance hall includes a coat closet opposite the front door. Since this hall docs double duty as a vesti bule also, the working drawings show French doors at either side shutting off living and dining rooms. Cased or arched openings may be substituted if desired.

A semi-attached garage Is indicated, with a covered porch con necting it to the house. The pantry space may be utilized instead for a breakfar.t nook, and generous shelf or closet space may be included in the rear entry. A full basement is provided, with outside stairway as well as one inside opening from the kitchen. Cubic Contents Approximately 24,690 cubic feet. Construction Wood frame, exterior finish siding or shingle3, shingle roof.

Home building questions) will be answered without charge. Detailed building documents for the houses shown in this series may be ob tained at moderate cost through the Home Building Editor of Ihe En quirer. When writing, please inclose self-addressed envelope with three-cent stamp. a year. The backfill should be buili up finally so that the earth is definitely sloped away from the wall.

HEATING PROBLEM. Q. When we built our house we instructed the heating contractor to put in an excessive number of radia tors, which he did. The house was thus most of the time too warm. Afterward we took out a large number of these radiators, and since that time the oil burner is on and off very frequently.

Do these facts relate to each other? A.r-Ycs. The volume of water has been reduced, loses heat more rapid ly, and on account of this the thermostat pulls the burner on more often. There should be a way of arriving at a good average condition. We suggest the installation of a few of the radiators that were removed, FLUE LINING. Q.

Is there any way of lining an old brick chimney without tearing down the flues? A. The standard method of doing this is to insert a steel pipe but this kind of construction as sumes that there will be some kind of blower that will increase the velocity of gas movement so that the decrease in flue area will not adversely affect the draft. We know of no way to rcline this old flue without the use of a blower. CONCRETE SURFACE. Q.

We recently purchased a home which is about two years old. It has front and rear porches, with the concrete finished Whenever it rains, or the concrete gets damp, these floors and steps are very slippery. Is there anything that can be applied to them to make them less of a hazard? A. We suggest that a competent cement contractor be asked to in spect this concrete work to see what can be done in the way of applying non-slip surfaces or re surfacing the work. SET-TIC TANK.

Q. The lots that are within our price range in the section of the city in which we must locate have no sewers. Kindly advise us how satisfactory septic tanks are, and what effect they have upon sala- bility of property. A. Septic tanks are used very generally for sewage disposal in first-class rural housing.

They are used also in connection with a large amount of city housing. They work best when there is some means of disposing of the outflow into the ground or sub-strata, particularly into locations where ground water will not be contaminated. The ab sence of a sewer should make a lot cheap to buy. When the property is sold, the selling price will be properly discounted by whatever cost is necessary to pay for the municipal sewer. (Copyright, The Architects' Small Hons Service Bureau, Inc.) LOANS ON HOMES Weekly or Monthly Repayment THE BIG FOUR BLDG.

Co. 138 feast sum St. CHerry B90S Open Dnllj For the Family! of after a few hours transacting a Union Cen-iral Real Estate Loan! It pays for itself and earns big dividends every year thereafter, while the family enjoys greater comfort. WEATHERSTRIP for WOOD WINDOWS and DOORS saves fuel and keeps out dirt and drafts. METAL STORM SASH for STEEL CASEMENT WINDOWS applied on the Inside with no interference to operation saves fuel, eliminates dirt, draft, and condensation, Buy Now! And Pay At Your Convenience.

you work out a convenient plan to your income make every arrangement to jour complete and, assure you we will with you to help protect your or stop In at your convenience, complete, illustrated information. obligation. THE A. M. LEWIN LUMBER CO.

2121 Dana Ave. FHA HOME LOANS also available Ellison City Loan Dept. Annex Bldg. MAin 1884. JE 0260 UnionTrust CO.

CENTAL LIFE COMPANY The loan on your Home reduces rapidly under the FIFTH THIRD PL EN I This bank welcomes applications for mortgage loans on residential property IS'o Appraisal Fee Charged CINCINNATI OHIO 1 1 i i MimummMWMmmHH -f T- I i 1 1 Lj i I jW Tl FSTTi Controlled with Fifth Third Call PArkway AFTEK HOURS, (J682 KIRRY 50118 M. PESX TROBLEMS. WK KETAIU HOSE EXTERMINATOR CO. Walter and Frida Deroche have acquired title to this brick two-apartment building at 2786 Losantiville Avenue, Pleasant Ridge, from Dorothy Woodley. Kour rooms are in each suite.

The garages are detached. Frederick A. Frye of the Simmons Real Estate Company made the sale. 20 Convenient Offices WB TONTROI. 101 B.

COK. CO CRT AND WALNUT. 9.