davidaulloa/AmericanStories huggingface dataset:
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
Substitution.

Deacon Jones-Do you keep the
Sabbath, sir?
Druggist Blinks-No, no, sir. but ]
have something just as good
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Poiiteness is all right 10 a certain
extent. but some people overdo It.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Most particular women use Red Cross
Ball Blue. American made. Sure to please.
At all good grocers. Adv.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
She Kept Her Vow.

GLADYS vowed she would never live
to be gray-haired."
"She has kept her oath. found her
in a dyeing condition.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

The cheapest literature is the Con.
gressionai Record; they are turning II
out now by the cord
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

YOUR OWN DRUGGIST WILL TELL you
Try Murine Eye Remedy for Red, Weak, Watery
Just Rye comfort. Write Tor Book OF the bye
by mail Free. Murine bye Kennedy Co., Chicago.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Many fellow is broke because some
rich friend has dropped him.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
Not at All.

1--WE noticed one thing"
And what is that?"
mo matter how often a tough citi-
zen gets stewed, it doesn't seem to
make him tender"
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
When Talk Begins,

Hostess-People are very dull to.
night really can't get them to talk.
Host-Play something, dearest.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Many man who boasts of being the
soul Of honor needs half soling.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

A humbug Isn't exactly q person
who makes things hum.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Lovers oft rush in where husbands
fear to tread
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
lite Kind.

What's call money!"
What you pay telephone bills
with. Baltimore American.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Always use Red Cross Ball Blue. Delights
the laundress. At all good grocers. Adv.
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
Important TO Mothara

Examine carefully every bottle oil
CASTORlA, safe and sure remedy fol
infants and children, and see that II
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

Physical Objections.
let me take you apart"
you cant. I'm all broken up as 1t
f."
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08
One Man Straw SpreadeE

A new idea born Of necessity, as are all practf
cal ideas. Prepare for better and bigger cropa
Reason why You need one; it returns TO the soil
and prevents the ground from blowing. II IL
fully warranted. Write the manufactOrs today.
Geo. c. Christopher 4 Sons, Wichita, kansss
The Liberal democrat. [volume] (Liberal, Kan.) 1911-1924, 1915-01-08

apoleon coolly looked at his watch
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
SILVER RIvET IN BUILDING.
Heckscher Drives II In Nra me o'
Big 42d street Structure.

The time honored custom of laying
the cornerstone OF a building has given
way 10 the more up to date driving OF the
first rivet II the precedent established at
August Heckscher's new office building
at the southeast corner OF F'orty-second
street u Madison avenue prevails.
The driving Of the first rivet In the
steel frame of the building was per-
formed last week with much cere-
mony by Mr.. Heckscher before an audi
ence which included r. II. Dewey OF the
Bureau of Buildings. Maurice Heck
scher OF Heckscher & De Saulles. C. Il.
Jaqua. Jardine, Hin a. Murdoch, the
architects C. j, Jeppesen, the structural
steel engineer. Russell Il. Smith. the
contracting engineer. and Mr.. Blakely
OF the Bethlehem Steel Company.
The rivet Is silver and will be ex-
posed to view in a silver lined recess
in the entrance lobby when the building
is completed. n building will be
ready for tenants next May. 1t will
be twenty-six stories and one OF the
first tall buildings to be designed In ac-
cordance with the new building ordi.
nance recently adopted.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
HIGHEST PRICED APARTMENT
IN NEW YORK IN 7z~ STREET
HOUSE 70 ROOMS e00 g
6ATHS FOR 10000

eign element In the building ends. The
steel. brick, marble, tile. machinery.
decorations. carpets. fittings and work
men are American. The facade OF the
structure will be limestone. which has
been used extensively In construction
along Fifth venue in the last dozen
years. The facades Of the three build
ings will be simple and dignified. Moth
ing of the elegance of IN. interior will
be conveyed in the outward appearance.
Entrance to the Seventy-second street
apartment will be through n wide LOBBY
OF marble and fine decorations. Back
q little distance Will be steps which lead
10 the elevator floor. The upper oors
will he divided To suit the wishes OF
tenants. The plan Is a combination of
simplex and duplex suites.
The duplex apartments viii contain
twenty-one rooms and seven baths and
will rent for Sl?,0oo. SEQ, 600 and $2I,-
a year. Duplex suites Will he on the
sixth. seventh, eighth. ninth, tenth and
eleventh floors. Simplex apartments will
rent as high as $4,000, The top floor.
containing twenty-eleht rooms and
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12

builders and owners In those state, DO
not find the law oppressive. The de
honest builder. however, and tho wild
cat SPECTATOR seldom operate in those
States.
What We demand in this State 10 a
law abolishtng priority In liens, givirs
an extension OF right TO file liens in GER
tain cases against mortgages and puI-
chasers. and as against assignees Of
moneys due extension Of right to file
liens in favor of certain trades not now
protected. All liens should DO made con-
current upon the property improved, and
all liens should be paid pro rata, except
as TO laborers
"Whs that is done the Ming of one
lien will not precipitate "a rush to Me
other liens. Creditors will take their
time they will investigate and inquire
as to whether the first lien was justified
and necessary. Combinations will be
prevented between the builder and a
lienor NJ the top Of the list to wipe out
tho unfortunate subsequent ones through
foreclosure.
such a law as We ask will make
possible on the failure If a general con
tractor for all the sub-contractors to get
together, complete tho contract, and
share equally in tho fund. We would
stop the 'blackmail liens tina are nov
frequently Med. Many dishonest con.
tractors terrify a builder into modifying
a contract, changing the price and terms
Simply by threatening to file n lien which
the builde we'll knows will tie up hi.
work n possibly ruin him.
W demand that the law shall com
pei that immediate record he made of
assignments OF payment on public works
by q contractor so as to AT least notify
tho sub-contractors and material men
whose labor hav been assigned In ad-
vance, Most emphatically we demand
redress against those dishonest builders
who by means of second and third
mortgages defraud all connected with
them.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
$500. 900 APARTMENT
BEING QUILT az 5W
dnd ZZM ~.

eight baths. was rented as enc apart.
ment last week by Herbert l. Pratt
vice-president OF the Standard OIL Com-
imHy. at a rental of 100000 a year..
which liz the highest rental ever paid for
an apartment in this city. Besides being
II record In point Of rent It is also the
largest apartment I'm New York.
Features Of the most costly apartment
In the world are many. too many in
fact to be considered separately. Spa
clousness is one of the things that the
architects have striven for. and II the
houss does not reflect II it will not
be because the rooms have not been
made large enough. Every apartment
will have an art gallery 10 feet wide
and Al feet long. .Half Its length will
be along the interior court. The gal
lery IL an idea new to apartment con-
struction. In this houss the gallery
Is an exact duplication of the gallery in
one of Engiand's famous castles. \
View Of this gallery as II will look when
the house is finished Is reproduced on
this page. The renting of this house Is
IN the hands Of Pease & Gilman.
Harold ]. Pratt. brother of Herbert
l., fas taken n floor at S25.0o0 a year
In the twelve story apartment which IA
TO be erected OH the cite of the old
Progress club. at the north corner Of
Fifth avenue and SiXty-third street. II
Is the next most expensive apartment IN
tn. world. hurry ~Guggenheim pays
s23. 900 IA year for his suite in the house
at the E~ighty-first street corner. This
is the third most costly fiat. The suite
taken by Harold Pratt is the largest IN
the SiNty-third street house. He will
have twenty-five rooms and seven baths.
This house VIII be ready next Angus {.
Though the old Progress club Is still
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
PLAN or $4,000 A yEAT
APARTMENT N 50" STREET
STRUCTURE.

the avenue and la5 feet On the street.
Tho house at E~ighty-frst street. built
n few years ago.. which II rented at an
aver.i ge of S2D.nuU u floor. Is II feet
narrower than the Scyenty-second street
house. BACKED by Cornelius Vanderbilt
and James A. Burdens heirs. the house
will he one Of the most costly operations
OF it's kind in New York. Demanding
rentals from $4,000 down, the best will
only be tolerated.
To assure this a small army OF the
highest developed workmen are being
employed To put II and, for that
matter. all the other buildings together.
The big structure. twelve stories in
height. will cost $500. 900 independent
Of the land, which was bought from Mr..
Vanderbilt and tho Burden estate last
May for a price said to be $500. 900.
Mr.. Vanderbilt and the Burden inter-
ests advanced literally for the construc-
tion of this Italian Renaissance building.
n type OF building which Mr.. Vanderbilt
and Mr.. Burden planned to erect on the
corner four years ago.
The structure is Italian In style both
within and without. But there the for
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
NEW BOARD DIARY OUT.
Real Estate Brokers Have Added -
Annual Publication.

The diary and manual Of the Real Es-
tate Board for 1916 has just been pub
lished and Is ready for distribution and
sale. While following the same general
lines OF former years the book is much
more comprehensive and has many
added features.
In addition to the reports from the
more important city departments the
book contains all necessary information
regarding the labor. w~orkmen's compen-
sation and tenement house laws the
various standard rules for valuing real
estate the established rules OF real es-
tate commissions and much other in
formation of value to real estate and
it, allied lines.
Tho diary committee of the board con-
sists OF Pierre NJ. Clear. chairman !:
Frank n. Ames, William l.. De Bost.
\. y. G'tterman, William C. Lester.
Dominic a. Trotta. c. Wheaton Vaughan
and Walter II. Warren.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
" Story 6ulLDlN0 PtANNep
FOE SITE OF OlO PROGRESS
CLUB So AVE Gsa0 g. 81.

modern improvement are provided for
our nan for far less han the cost of
maintaining 4 private dwelling" no said.
81 can speak without fear of contradic-
ton when ! say that there are few
dwellings on Fifth avenue that are
strictly up ~ date. Most Of hem are
far behind In modern cOnveniences. hay.
Ing been built years ago. AT the time
Of construction they were modern. but
building art Is improving every year.. so
tina 1t would be necessary to do much
building along Fifth avenue to make 1t
as modern as the new apartments will be.
The advantage Of apartment living"
he continued. lis that 1t is possible 10
have the latest conveniences by just
changing apartments. The latest con-
veniences could not be secured so readily
In private houses. II is these things that
are attracting many prospective tenants
to the new apartments"
There IL n man now considering a
floor in the Seventy-second street corner
apartment house vino lives in a big
house AT "A cost ~ S1i. ooo II year. The
apartment he is considering rents for
$50, 900. lie will probably take 1t, as he
has explained that the apartment gives
him everything his sl.5oo.ooO property
provides at $4,000 "a year less. TIL
president OF "A big railroad is considering
n floor in the SiNty-third street house.
He Is only one OF a number of prowi-
nent people who are ready to abandon
their dwellings for apartment suites for
the reason that they will get more for
their money In "a superimposed dwelling
than In their privately owned residences.
There has been such interest shown in
these apartment suites. renting, AZ they
will. at many thousands of dollars "A
year, that real estate men are begin
ming to see the end Of the dwelling on
Fifth avenue. The building this year Of
these apartments Is tine start Of a battle
between the private dwelling and the fne
apartment house. In other words. the
mode OF living on Fifth avenue Is In
the balance. Judging from present in
dications and those which nave been APP
parent for several years the days OF the
line private dwelling on Fifth avenue
are those Of the past.
This feeling IL reflected also In the
comparatively few dwellings that are
being planned.
The apartment being built at Seventy
second street was the first OF the three
planned this year for Fifth avenue. 1t
will be h largest, fronting lis feet on
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
WANT CURB PLACED ON
DISHONEST BUILDERS
Material Dealers and Sub-cOn.
tractors Seek Protection in
New Lien Law.

That building operations will be car
scale II laws can he enacted to pro-
tect sub-contractors and material men
against fraudulent practices by build
ers, contractors and loan operators II
the statement OF T.. H. Hart, president
of the Building Trades Credit Associa-
ton of New York, MIR. Hart added that
bills have been prepared for presentation
TO the Legislature which will correct
abuses of which he complains.
Fraudulent practices Mr.. Hart says.
ION the part OF builders, contractors and
loan men who are permitted to operate
within the law are responsible. 10 a large
extent. for the past stagnation. Liens
filed when there was no default under
contracts have In many instances brought
ruin to builders and building opera
lions. sound IN all respects. have ter
minated disastrously because OF unneces-
sary embarrassment on the part OF the
builders prccipitated by the hllng OF one
lien that brought an avalanche of liens
which subsequently could not be lifted
without the unanimous consent OF al,
lienors,
For five years we ave been working
to have the existing lien law changed In
order to lessen fraudulent practices and
IN order to conserve assets TO meet
claims, In many States the sub-con-
tractor has for, his labor done OF ma
terial furnished, II lien upon the build
ing and also upon the land upon which
the building Is situated, The lien Is fro
ORANGES, or has priority ovs mortgaOss
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12

that amortization of mortgages would
deter spectators. 1t Is dOubly true OF
investors. who will not purchase unless
x yes are made attractive. Periodi-
cal payments in reduction OF existing
mortgages. increased interest rates and
ever growing taxes will not inspire con-
hdence.
1.-The agitation for amortization is
confined to the large lending institutions.
Individual lenders oppose II. IL the lat
ter receives an annual payment OF 5000,
what Is he to do with the money? He
can only secure 4 per cent from "A saw
ings bank. n he may have to wait five
months before interest accrues on his de-
post. II a trustee or executor Is en-
powered by will to invest in mortgages
he annot make other disposition Of his
funds. and the question naturally arises
what shall he do with his small Pc
riodical payments?
1T is argued that the reduction OF the
mortgage inures to the benefit Of the
owner. az 1t increases his equity. If he
cannot meet these payments he will lose
his property. with the result that only
the rich can remain owners. The amor
tization plan might well apply to houses
bought on the instalment plan, but can
never be generally effective"
Mr.. Finck also opposes the long term
loan which 10 proposed under the amOrti-
cation plan.
THE interest Of to-day he avs, els
not the rate twenty years hence, nor are
values sufficiently stable 10 guarantee the
integrity of a long term mortgage. Wher
we consider that Manhattan real estate
has %fuctuated from 80 to 90 per cent
IN some sections in the short period OF
ten years. what security IL there In a
long time mortgage even II subjected
to amortization. Loans made In the
downtown dry goods section ten years
ago IL made on the amortization plan
OF twenty years would prove hazardous
security to-day. The same In true oi
property on Broadway above Cana
street, where no reasonable amount OF
reduction OF mortgage could keep pace
with declining values.
, again. the individual lender otter
loan only during the lifetime OF a trust
or during infancy, whioh may mean from
three to Ave years. in many cases In
vest can only be made for ont
year. II IL not many years since DSos'
Of the institutions would not lend FOL
more than one year. II amortization
prevails, the individual lender on n short
term cannot compete with the twent,
year lender. and thus 20 per cent. Of
mortgage moneys would necessarily bt
diverted to SOME other purpose.
"The entire scheme IN destructive and
| can only benefit the institutions. III
: success spells ruin to real estate"
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
Features of New
Structures In
clude Picture CAL
.leries COPIED
From English
CastleS...SuiteS
Containing 70
R ms and 8
Baths on Single
Floor

building. but courts Will be At the east
and north Of the building. They will
cover % per cent. Of the site.
The first two floors OF the building will
be similar to two private house That
10, they will DO duplex. o. 'mezxsnets''
az Douglas J.. Gilman & Co. agents
for the house. call them. Tho corner
mezzanet will have nineteen rooms ana
the other will contain a few rooms lee.
Both mezzanets will have entrances
from the street in addition to
from the maan lobby OF the building.
Ceilings In the house will be the highset
in the city. The top floor will be thirteen
feet. Thu high ceilings are part Of .
system OF ventilation which has bssa
worked out for the house.
Big ~fireplaces will be found in all Of
the living rooms. which will be exosp-
tional In size.
Tho house which In to go up adjolning
the Henry Phipps house at the corner a
Eighty wen street will 10 erected By
a company headed by cambridge p.
Clark. on "a site Of two lots. Something
like $500 900 will go into tho construc-
ton of this house. which a been de-
signed by c. p. II. Gilbert.
Mr.. Gilbert planned to give the HOUSE.
which will be twelve stories, the aspect q
a private dwelling and. judging BY the
pit ~ ltoo SbttNNutus Tx u
the french Gothic style of tho fifteenth
century. The facade will he In gray
limestone up 10 the tenth story. whore
there In to he nj ornamental cornice amd
balustrade OF brick. above which win -
two stories in Mansard style, having
three largo two story dormcr windows.
Between the second and tenth foors.
the facade will be relieved at the NTH
snd eighth stories by three mail bal
comics.
An imposing arched entrance. ovsr
which there will be a recessed balcony
giving an effective treatment for the tive
lower floors, further augments the plan
to make the building appear like Q phi
vate house despite IFS height Of twelve
stories.
The interior layout provides one
apartment Of twelve rooms and four
baths to each floor. containing besides
all customary equipment Of such build
ings secret safes, electric dish washers.
fireplaces where real logs may be
burned. and separate foyer hall n
vestibule. Two floors are 80 arranged
that they may be duplexed. providing q
suite Of twenty-five rooms and eight
baths.
The entire front Of tho building will
be devoted TO the living room and library
OF each apartment, quarters for servsnts
and service being at the 7 ar. The grade
floor will contain but two small suites
OF three rooms AZ either side Of tho on
rance hall. designed for By
physicians.
Apartments in this house are to be
rented by the Pease & Gilman Arm nt
from $4,000 TO ST. 900.
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
NOVEMBER BUILDING GAINS.
Entire Country Reported GrOwinR
Activity-New York Leader.

Steadily increasing building activity
Is reported from all over the country.
Returns to Bradstreet's from 1877 cities
show a total OF 2l.S47 permits issued
during November, with estimates of II
total expenditure of $85. 057 .543. which
figures mark a gain OF 34.8 per cent, In
number and $50 per cent. In value
over November. 1914, with the proba-
bility that the additional cities likely to
report for that month will show a total
value equal 20 any OF the past three
months. An additional feature is that
the large gain Of November In building
values suppismenting those Of August.
September IND October has put the total
value of building expenditures ahead Of
last e a for the eleven months. Every
group of cities shows a gain In permits
over November n year ago, though this
In partly balanced by decreases In value
OF hlildinS done IN New England and
the Southwest as compared with Noyem-
her. 1914.
Ths November total Of values not ouiy
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12
MORTGAGE BROKER
VOICES HIS PLANT
Amortization RuinOus to
Realty, He Says-OppOses
Long Tesm Loans.

John finck. speaking. IL is presumed.
from the point Of view of mortgage
brokers, mas come out fatty against pne
plan nov under consideration to put
amortization clauses hereafter in all
MORTGAGES in other words, 10 make
borrowers repay annually n smadl
sNpnnt on the principles OF loans. 1t
~ me nrst real protest against the plan
Consideration of which mas now gone 20
'ar mat amortization IN this city Ia
pradicsllv assured. Mr.. Finck's objec-
uons are lrased on his belief that the
proposed plan would not work well In a
highly improved place like New York,
tIat 't would o~verburden realty owners
ann mot n would cause confusion in the
investments Of individuals and estates.
some Of the champions OF this pro-
p"s.d Innovation" he says. "cited the
success of the scheme in Europe, par
rcua..r IA Germany and France. There
= Wild" variance in the economic con
o'tlonS OF the two countries and no salts
factory deductions can be made. In this
,ouiitrr amortization has heretofore
oeelI lnited to building loan associations
anu TO farm land loans outside OF New
'orh civ, Farm lands differ from city
Investments In that ownership often
runs nom generation TO generation, whils
u'y Property changes araGds at every
opportunity Of profit.
Heal estate has been Overburdened oil
.s'e and any additional strain may reach
ne snapping point. Property owners
nav" suffered since the panic OF 1907
ana y would prove b~urdenHOme TO saddle
real estate with further periodical pay.
melts Ia view of reduced rents, heavy
axes and the Increased expense Incl
aenltl % a compliance with the con-
nclIis mandatory and ofton useless or
IerS Of the many municipal bureaus
70 owner a live on h income OF hls
iTopef'y and meet further increased de
'nsidg.
A purchaser invests his money In
ral Estate for tho purpose OF securing
~ Income and no should not be com
rshsh 70 meet annual payments In do.
ssc''cn Of Iris mortgage. II u b trUl
The sun. [volume] (New York [N.Y.]) 1833-1916, 1915-12-12

Plot buying at Howard Beach estates
continues, Among those who bought At
the Jamaica BAY home colony last week
are: Ernst Won Hoveling. two lots on
Hawtree Canal, near IAaberson avenue +.
Mrs, Helen Mark, Arlington. y. j.,
waterfront plot on IIawtrce avenue.
nea Nollins avenue T, Won Der Linn.
Brooklyn, a plot 75X350 feet. on the
easterly sid of Hawtree Canal, opposl,r
Channel street, MIR. Won Der Linn owrc
4 tract of eight acres adjoining. which
he 10 developing into n summer water
front oolonx.