davidaulloa/AmericanStories huggingface dataset:
New-York tribune., 1921-10-16
By rank {. Barnes

Supervising Building Vaiuatjoa En-
9'aeer, Nea0 York Centrol Lines.
How much fire insurance ought
carry on my building?
1hls IS p question that comes I'D
from time TO time TO most real estate
owners, and frequently it i a question
that IS not easily answered.
If real estate is insured 5or too much
the owner ls wasting money in paving
more premium than he needs to, and if
insured too low. then in case Of ire
ne Is the loser. Before one can decide
on the amount Of insurance 10 carry
two other questions must be answered
First, What is the building worth ? and,
second, what proportion should be GOV
cred by insurance The answer TO the
second question depends somewhat
upon the laws OF the state in which the
building is located. For instance. in
New ork State. If building is in
surfd for 80 per cent or more Of its
value, then the insurance company is
obliged to pay the full damage caused
by nre up to the face Of the policy.
while II insured for less than so per
cent of its value, then the insurance
company pays only n portion and the
owner assumes the balance of the risk.
me other question. How much is the
building worth ? IS not easily answered.
y Is not correct TO take fair rental
tor the property and capitalize it at.
say, per cent, and assume that this ia
the value of the building. as the rental
Is for not only the building but for the
land as we'll, and it is not necessary to
insure land against loss by FIRE In
case the building was recently con-
structed, then its cost is by far the
best criterion OF it's value. But if it
was constructed some time ago, even q
year or so, then the cost does not prop
erly reflect its present worth
In case the original cost is known
and 1t was built since the year 1900,
then the cost of reproduction new
!. g, the cost to build similar build
ing at the present time-can he deter
mined quite accurately by use of the
accompanying tables, using table No.
Tor frame buildings and table No. 2 for
masonry buildings.
How to Uee Charts
The tables we're prepared by using
the cost Of construction at the present
tme IA 100 per cent, and the curve
drawn with the solid line and marked
"Percentage curve" shows the percent
age cost of building for other years
"a compared with the cost at the pres
ent time. The curve shown by the
dotted limo and marked "Reciprocal
curve" was obtained by dividing the
vnrious percentages into 100, aud
shows the amount that the Original
cost should be multiplied by to give
the cost Of reproduction new at the
present time
To illustrate: II masonry building
cost $4,000 in 1905 then It would cost
at the present time $4,000 times 2.23-
81 800, but, Of course, this would
not be its present worth Tho dcprc-
citation must be taken into account
There is no definite rule for figuring
appreciation, but a method that is in
quite common use is to figure ! per
cent year for masonry buildings and
New-York tribune., 1921-10-16

Mrs C N. Murdoch and Arthur S.
Hawley sold for Miss K Keveney her
house and garage at 20 Prospect Avenue,
Larchmont. known as the Cedars, to Al
bert J Anderson, OF Mount Vernon, who
will remodel it; for Mrs. Emma c. Kene
p vacant plot, 100xloO, opposite the Oak
Tennis Club. on Kane Avenue, to Rich
ard Golden jr., who will erect resi-
dence. The same brokers rented the
large property overlooking the bathing
beach for the Whitnoyl Corporation 10
Prentess n. Gray; for Il. D. Williams
his home on Pinebrook Drive, Larch-
mont Park, TO Edward " Moon jr.,
and for w 7. Dean his bungalow in
Mayhem Avenue to Charles /. Pieper
for the winter
New-York tribune., 1921-10-16
Canadians Making Stra,o
Building Material

NfORMATION received from
n Canada says demonstrations made
by experts of the Alberta Univer-
sity, at Edmonton. Alberta, have
proved beyond doubt the pnssi-
bility of making building material
ont of straw. Tests made at the
university show that this manufac-
tured material possesses strength
equal to the strongest building com
position now in use. The straw is
chopped fine and mixed with other
ingredients, which the university
authorities have not disclosed, in
secret process which has been un-
der experiment for a long time. The
invention is the result of efforts by
the Canadians to dispose of the
large quantities of straw available
from the grain crops Of the prairie
provinces. If the tests, which are
still under way. continue as sue
cessful as those already made the
opinion is that the building trade
of Canada will be revolutionized
The new material, it is said, can
be sold for very much less than
any building material now on the
market
New-York tribune., 1921-10-16
Pelham Heights
Fights Attempt 10
Break Restriction
Starts Court Action Against
Family Planning to Build
on 6o-Ft. Site; IS 1t. Has
Been Minimum 80 Years

Every family on Pelham Heights Il
back of an action that has been instl-
tuted to prevent the circumscription OF
= property restriction that has been
the backbone of the development OF
this attractive home section. For
thirty years it has been the custom FOX
every one building on Pelham Heights
TO have building site Of at LEASE
seventy-tive feet frontage. In fact, Ben
jamin Corliss and the I'airchild Rroth-
ers, who owned originally the entire
village, would not sell less than three
lots of twenty-five feet each 10 any
one. No one has ever attempted to de-
stroy or cvade this custom Of build
ing on three lots OF moro until last
August, when Mr.. and Mrs Louis psx-
ter acquired about two and one-hals
lots about sjxty-siN feet-on Pelham
dale Avenue. next to the village park
land in First street. and announced
their intention OF erecting dwelling
Pelham Heights folks decided that
the beauty of their town Has not to be-
marred by outsiders. 4 meeting was
held which Mr.. Baxtar attended Tha
situation was explained 10 him by the
hrst person IN the history Of thc vii
lase TO attempt 10 DO what ne
PINNED. Mr. Baxter is understood 20
have admitted that he knew i was The
rule Of the village that q building site
must be seventy-fve feet vide 1t least.
Taxpayers Ask Court TO Help
The Baxters have proceeded with
their plans for the Pelhamdale Avenue
site, so the taxpayers, in the names O.
Howard Davis and ". If Van " nickel,
have started r suit 10 have construction
work stopped and the building plot
rule OF tho village obeyed Davis and
Van Winckel have placed the matter
in the hands Of George =. Brecken-
ridge, Of z Dev Street, this city
Tho corporation OF tho Village Or
Pelham Heights also IS bringing action
against the Baxters because they ara
building on the property lne between
their land and strip Of park land.
which IS regarded as an infringement
% the setback restriction a. II.
Nenkel. Of - Broadway. IS the attorney
representing the village corporation.
Pelham heights people are deter
mined TO see the thing through, FOR &
1hls infringement is permitted the
tendency o. future construction Will be-
toward cheaper homes, which would
have the effect Of destroying ths char
aeter Of the town.
For thirty years or more the village
mas been developing along lines that
have made Il an idea home town.
People have come TO Pelham Heights
because OF these features and nsys
stood together IN defense Of them SOW
eral times in the past. Apartment.
house builders have made several at
tempts to get INTO Pelham Heights.
but they have turned back when they
discovered how general was the oppo-
New-York tribune., 1921-10-16
Sells Home in Summit.

Hrs. J. G. Schneider has sold her
aouse At 81 Springfield Avenue, Sum
MI, y J II contains a twelve-room
iTelhng and outouildings on an acre
a'ot. J r Dannefelser. in business
this city. Is the buyer. The prop
sr:y was neid at $4,000.
Nrs. Sarah L. F. Cadoo leased her
come a. l Parsley Place. Summit,
ilrnisaed, 20 George X. Tompkins, OF
aAenhurst. n. ]. Eugene Jobs-H. F.
Transaction
New-York tribune., 1921-10-16
Residents Should Be
Interested ia Budget

A s THE budget must be paid by
L every one who lives here. econ
omists. especially foreign experts.
are al loss TO understand the dis
interest shown in this important
business of spending the peoples
money The tentative budget shows
that If every department. is allowed
all the money it has asked for the
bill for city government will he
SS54,000 900. Cuts viii be made in
the appropriations asked for be-
fore the final budget has been ar
rived at. Decreases will be sub
stantial, according to civic asso-
Citations. if people will show great
er interest in how the city au;hori-
ties spend their money The Com
mittee of Ncr-P Partisan Facts calls
attention to the fact that at the
first meeing on this tentative budget
of $3.50 ,000. .0G0 there were only thir-
tyiive persons present, a represen-
tation of one to every $4,000 coo.
New-York tribune., 1921-10-16
20O-Ycar Greenwich Home
Bought bv BROOKLYN Mar,

GREENWICH, Conn, Oct II. Kos
coe II. Goodell sold his 200 year-old
remodeled Colonial residence on tic
Boston Post Road, at Riverside Ave
nue., to Kenneth D. Hull, Of Brooklyn
Besides the house there is two and
half acres Of land. It was held at
$4,000. Ladd q Nichols we're the
brokers. Mrs. Hull before her mar
riage was Miss Luckeubach.
New-York tribune., 1921-10-16
Samuel Babcock 5 Estate
Al RiverdaIe i Sold
Mrs. ". ID. Dickinson Buvs
Property rs site for Hcr
New Home

An interesting transfer Of land i'm
Riverdale- on Hudson was made re-
Gently by the estate Of Samuel D. Bab-
Geek TO Mrs. ". D. Dickinson OF this
city The parcel contains TWO acres
near the Riverdale station. with unob-
structed view Of the Hudson River and
Palisades, and adjoining the beautiful
estate of s. Karp. It is directly in
front of the old Babcock manor house,
which is now being rcmodeed by Dr..
Ladd, Of Baltimore. Mrs Dickinson
Will erect new home on this acreage.
George Howe was the broker
New-York tribune., 1921-10-16
Prospective Home
Builders Offered
Woodhaven Lots
Heavy Demand for Sites
Likely by Those Who
Desire to Gain Advantage
OF the lax Exemption

Woodhaven is to be the scene Of a
Dig auction sale on Saturday. October
20. on which occasion Joseph P. Day
Will dispose Of 375 homo sites. The
benefits of the tax exemption and the
savings gained in purchasing at auc-
tion have resulted in a large number
of persons acquiring lots at recent
sales for immediate improvement with
homes. They figure it is cheaper than
TO pay rent; also that they will be
assured OF a home. The tax exemption
expires on April next With the
time of the exemption coming nearer
to an end, it is believed that the de
mand for lots viii, become even greater
and no time Will be lost in building
to gain advantage OF the exemption.
Ptkin Avenue (the old South Road
affords frontage for mauy Of the
lots to be sold, while the property as
a whole is located close to Howard
Beach and convenient to the Aqueduct
station OIL the Jam aica Bay and Rock
away Beach branch Of the l.. r. r. R.
Jamaica Bay is near by. Other thor
oughfares on which the lots front in
clude l35th to 149th Avenue Ninety
fourth Ninety fifth, Ninety sixth and
Albert streets.
Big Boulevard Project
Because OF Che Importance that at
taches to the sta rting Of work on the
Jamaica Bay Gross Bay Boulevard
project. which recently was approved
Of by the Sinking Fund Comm ission,
j. is the consensus that the Woodhaven
section Of Queens for some years to
come Will be one Of the borough's most
active centeIs OF building and spccu-
lation in lots.
This great boulevard. 100 feet wide
and five and half miles long, Will
provide direct access to the Rockaway
Coast and the Atlantic Ocean without
going outside OF the city limits. The
trip from Manhattan, when the new
boulevard is completed, will be about
twenty-five miles, as at present by way
of the long, clrcuitous route through
Nassau County. The boulevard is al
ready constructed through Howa I'd
Beach, the gateway TO which rapid
growing waterfront residential COM
munity lies Just beyond the lots TO be
sold
The Rockaway Boulevard Station on
the Brooklyn Rapid Transit az" line
is strategically located at the junction
Of Liberty Avenue, Rockaway Boulc-
ward and Woodhaven Avenue. This
junction point is only few blocks
from the lots to be sold.
New-York tribune., 1921-10-16

Douglas L. Elliman & Co. leased
apartments at 399 Park Avenue to Will
am +. Kingston: at 110 Wes. Fifty
ifth Street TO S. Sederman; at l1G
LAST Fifty eighth Street TO Edwin Wan
aer. and at i7S East Seventeen Street
20 John r. Z arkin.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
MAXIM G0RKY IN APPEAL
TO WORLD FOR HELP
Declares That Millions Of His coun-
trymen Are on the Verge
Of Starvation.

New York, aug. 1.-The text of ap-
peals for aid by Maxim Gorky to the
American people and by the Orthodox
Greek church to Bishop Manning in
New York were made public by SOW
let interests here as follows:
Moscow, July 13.-To all honest
people: The corn growing steppes
are smitten by crop failure, caused by
the drought. The calaSaity threatens
starvation to millions of Russian peo-
pie. Think Of the Russian peoples ex-
haustion by the war and revolution,
which considerably reduced its resist
ance TO disease and its physical en-
durance.
GLOOMY days have come for the
country Of Tolstoi. Dostoyevsky. Men
eleyev. Pavlov. MuSsergsky, Glinka
and other world-prized men, and l
venture TO trust that the cultured Eu-
ropean and American people, under
standing the tragedy of the Russian
people. will Immediately succor with
bread and medicines.
"If humanitarian ideas and feelings
faith I'm whose social import was 50
shaken by the damnable war and its
victOrs' unmercifulness toward the
vanished-if faith in the creative
force of those ideas and feelings, |
say must and can be restored. Rus
sia's misfortune offers humanitarians
a splendid opportunity TO demonstrate
the vitality of humanitarianism.
people who understand the words
Of agonizing pain will forgive the in
voluntary bitterness Of my words.
81 ask all honest European and
American people for prompt aid to the
Russian people. Give bread 40 medi-
cine. MAXIM GORKY."
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
KING GEORGE SAYS EDITOR
N0RTHCLIFFE IS A LIAR
British Ruler, Through the Prime
Minister, Pv.s the Lcndon Pub
Usher in Ananias' Class.

London. July 30.-Prime Minister
Lloyd George In the house Of COM
mons read a statement which he said
the king had authorized him TO read
on his majesty's behalf.
His majesty. the king" the state
ment says. has had his attention d.
rected 10 certain statements reporting
an interview with Lord Northcliffe,
appearing In the Daily Mail, and re-
produced In the Daily Express and
some other newspapers. The state
ments contained IN the report are
complete fabrication. No such con
versatlons as those which are alleged
took place. nor were any such re-
marks as those alleged made 10y his
majesty.
His majesty also desires II TO be
made quite clear. inasmuch as the
contrary is suggested in the interview,
that in his speech 10 the parliament
Of northern Ireland he followed the
invariable constitutional practice re-
latlng 10 speeches from the throne in
parliament"
The interview 20 which the premier
referred quoted King George as say
ing 10 Premier Lloyd George just be-
fore his majesty left for Ireland:
Are you going 10 shoot all abe peo-
pie In Irelandg" 10 which the premier
was quoted as replying:
"NO. your majesty"
"Well. then. you must come 70 some
agreement with them" said the king.
according 60 the interview. "This
thing can't 20 on. can't have my
people killed in this manner"
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
KU KLUxIES WARN BELLHoPS
Will Protect Womanhood, Says Note
Sent to Newspaper in Texas
Town.

Texarkana. Tex. Aug. A letter
signed "Ku Klux Khan members" was
delivered to the -Four States Press
commenting on a report published by
that paper concerning the whipping of
Warren Dinkens, negro hotel porter.
The letter said: I'VE will not harm
anyone without the real dope on them.
which we get by eye and not ear. Our
aim is to uphold our womanhood,
which we expect 10 do. Only viola
tors need fear Us. Negro porters and
bell hops in this town better take
heed. They may get the same as
Warren"
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
GREECE WARNED BY ALLIES
Told That Advance on Constantinople
Will Not Be tolerated.
London Says.

London, Aug 4-The allies have
warned Greece that an advance on
Constantinople by her troops will not
be tolerated, Il was authoritatively
stated. No ground exists, however, il
is added. for believing that Greece
contemplates any such advance, which
would bring her into conflict with the
allied army of occupation.
Reports from Athens that Great
Britain favOrs a Greek advance on
Constantinople were characterized as
absurd-the exact reverse of the
truth. Great Britain, IL was declared,
IS maintaining strict neutrality be-
tween Turkey and Greece.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
U. S. DEBT CUT s2o6,ooo,ooo
July Retirements Leave a Balance of
s23,771 100000 on Rolls-No
New Issues.

Washington. Aug. "a decrease Of
S20G.000.O0O IN the public debt during
July was announced by the treasury.
The total gross debt July 81 stood at
S23. III 100000, compared with S23,-
or. 100000 on June so officials said
the decrease was explained by retire
ment Of treasury certificates Of in
debtedness and the operations Of the
sinking fund during July. while no
new issues OF government securities
were offered during the month.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
HURL PIES AT RED SPEAKER
American Lepionnaires Break Up
Meeting Of Socialists at
Boone, Ia.

Boone. Ia. July S0-Mrs. Ida
Crouch Hazlett. national Socialist lee
turer from New York. was pelted with
paSfry and ordered or the streets OF
Boone when she criticized the present
form Of government In the United
States. A rear riot resulted when
members 81 the local American Legion
Dos. and supporters Of Mrs. Hazlett
FLASHED.
IN the midst OF the trouble the city
ana county authorities ordered Mrs.
Hazlett from the streets.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
RUSS REFUGEES ARE SLAIN
Battles Occur Between Starving Peo-
pie, Says Riga Dispatch
70 London.

London, Aug. According 70
Russian reports. battles are occurring
between famine fugitives and people
Of neIghboring zones. says Riga dis
match 10 the Daily Express. When n
party Of famine stricken attempted 10
enter Ekaterlnturg the residents start
ed a pogrom and wiped on; the new
corners. Thousands are reported dy-
Ing owing 10 the lack OF food trains
into the famine districts.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
TWO STUDENT FLYERS KILLED
Captain and Lieutenant Lose Lives
When Plane Falls Near
Elgin, Okla.

Lnwton. Okla. Aug. 3.-Capt. John
NJ. McCrae OF Los Angeles, Cal. and
Lieut.. Francis Nunemacher of Berke-
ley. Cal. student officers at the aerial
observation school az Post field. were
killed when their alrplane crashed
three miles west OF Elgin.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
JAPAN WATCHED
BY WASHINGTON
TokyO'S Trump Card Is Root
Takahira Agreement.
MAY USE 1T AS A WEAPON
U. S. High Officials See Significance In
Japan's Carefully Phrased Note
Announcing Willingness to Par
tieipate in the Conference.

Washington, Aug. 3.-The Root
Takahira agreement is the trump card
which Japan plans TO lead at the
forthcoming conference on limitation
of ornaments and Far Eastern affairs.
Careful study of the agreement and
Of Japan's reply 10 the conference in
yitation has convinced high officials
here that Tokyo hopes by involving
the RoOt-Takahira pact. TO forestall
any agreement by all the powers that
might tend TO loosen her rapidly tight
ening grip on the entire Far East.
The Root-Takahlra agreement,
which was signed November 80, 1905,
Is officially titled AN agreement eff
fected by the exchange of notes be-
tween the United States and Japan,
declaring their policy in the Far
East"
The cruX of the whole pact, from
Japan's point of view, is contained in
the fifth paragraph, which states that
should any event occur threatening
the status quo as outlined, lit remains
for the two governments to communi-
cate with each other In order TO ar
rive az an understanding as 20 what
measures they may consider IL useful
10 take"
Phraseology Is Significant.
Thus the significance of Japan's
carefully phrased note announcing her
willingness TO participate in the con
ference is revealed. In her reply
Japan said:
Introduction Of problems such as
are OF sole concern 10 certain particu-
lar powers, or such matters as may
be regarded accomplished facts should
be scrupluouSly avoided"
In other words, Japan maintains
that by virtue of the RoOt-Takahira
agreement the Acknowledgements pol
icy in the Far East already is an ac-
complishe0 fact. and that any depar-
lures from the specific matters treated
i'm that pact can be taken up only be-
tween the certain particular powers
in this case the United States and
Japn.
Such a construction upon the Root
Takahira agreement is certain TO pre-
sent a delicate problem to the confer
ence, Ia the opinion Of government Of
hcials. II presents a question, not Of
fact. but of diplomatic definition, and
around this the fight will be waged.
No Agreement Ignored.
There is no disposition on the part
OF the United States TO ignore any
agreement that may have been
reached with Japan or with any other
nation. but az the same time IL is In
dictated tie United States will not be
content TO stand by and have such
agreements interpreted solely by the
nations with which they were nego-
tiated.
As far as the Root-Takahira agree
ment is concerned. II is not unlikely
that the United States will contend,
and will call upon the conference 10
bear her out, that the spirit OF para
graph five was carried out in calling
the conference.
The two governments have I'm fact
with each other. IL Is
pointed out. and have arrived at an
as 20 what course they
consider Il useful 10 take. In other
words. Japan has agreed TO come into
n conference at which the Far East
ern situation is 10 be the prize sub
iect OF discussion.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10

Washington. Au-. 1.-E1urts ~ the
Harding administration % relieve bush
ness sta-uatiQn during the last four
rnouths cnu>titute 'i,s the aggregate.
measures Tor the largest achievement
~ ale country. said a statement is
sued hy the White House. The state
meut promises the administration win
contiuue is efforts 10 relieve business
coudifinus
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
LEGION MEN OFF FOR FRANCE
Emery Heads $50 Going to Give Testi-
rony Of Americas Lasting
Friendship.

New York. Aug. with the flag Of
tho national commander of the Ameri-
can Legion flying az its masthead, and
more than 30 members 81 that organ
izarion on board. an American pas
Senger steamship sailed for Cher
b0urg and Bremen.
The legiouuaires viii diSemhark at
Chcrbourg. whence they viii visit the
battlofelds on which for more than a
year they fought against the Germans.
The PARTY Is headed by National
Commander John G. Emery.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
Eour 10 Family are r.lIled.

Greensburs. Ind. July 30.-James
Anderson. his wife ape two sons. aged
six months and two years. are dead
following an accident In which their
automobile was wrecked at crossing
near here by a Big -Four passenger
train. Two other sons Of Mr.. and Airs.
Anderson. riding In another automo-
bile. survive.
Vilas County news. [volume] (Eagle River, Vilas County, Wis.) 1896-1927, 1921-08-10
PREMlERS o. K. NAVAL POLICY
Each British Dominion 70 Sc Respon.
slhle for Defense OF Its
Own Coast

London. Aug. 1.-The conference Of
imperial premlers. II Is understood.
has reached an agreement on the Ia
val policy 81 the empire. although no
official statement has been issued. The
conference indorsed the present sys-
TEN under which each dominion Is re.
snonslble for the defense OF It's own
coasts.