davidaulloa/AmericanStories huggingface dataset:
New-York tribune., 1922-07-16
IL Houses Going Up on
Triangular Bronx Plot
Dwellings Being Erected in the
Van Cortlandt Section of
the Colonial Type

The Thomas 7. Hopper Company is
erecting twelve houses on triangular
plot in 238th Street, Bailey and Orioff
avenues. If the project proves sue
cessful the development will be ex-
tended. The houses will be of three
types, of six, seven and nine rooms,
with garages in the basement. They
will be Colonial designed in white, buff
and gray stucco, with colored roofs,
giving each house it's own individu-
ality.
Hoppin G. Koen, architects, have had
considerable experience in building
residential villages. Each house will
be erected on plot 35x10o. They will
contain modern conveniences, includ-
ing steam heat, electric light, glass in
closed porch, tile baths, hardwood
floors, sleeping porches, etc. The
houses will be ready for occupancy
about October l. The location is con-
venient to the subways and Van Cort-
landt Park
New-York tribune., 1922-07-16
A. L. K. Has Overlooked
Many Important Items
Ed,Uin Calm Suggests That the
Young Woman and Her
Husband-TO-Be to Go SIOfp

To the Real Estate Editor of The
Tribune-In reference to inquiry made
by A. L. K, hope they will heed your
advice to Confidential. If they have
only $500 or less after making the $500
down payments, they have apparently
made no allowance for ccmmutation,
obtaining mortgage, etc, such as as
sessment. Taking my own case, with
a salary of $40 week, put away
$1,000 in one year. To save rent
built a three-room sectional house,
where always more rooms can be added
as is being done with some of the
finest houses costing many thousands
My own cost only hundreds. Built of
solid seasoned secondhand timbers
from lumber yards, it required about
six months, being done in my spare
time on Sundays and holidays. In
stead of buying unseasoned lengths of
lumber and cutting them into three
and four-foot lengths, l obtained much
soft and hard wood lumber stuff from
Japan, Austria, etc. These were pack
ing cases. When properly applied,
shingled and sided, this makes a fine
house. My home is near Howard Beach.
Hope this will be of aid to your many
readers.
s21 Broadway, N. Y. City.
New-York tribune., 1922-07-16

carried, and the only possible place to
obtain a mortgage of this sum would
be through r building and loan
association, where they would prob
ably have to pay s65 or more a month.
In addition to this would be taxes ap-
proXimately SIS month, coal S12 a
month, repairs $40 a month and other
charges of perhaps SIS all told. This
would make a total monthly carrying
charge of SLIT, which is pretty heavy
on an income of $4,000 a year. Of
course, it must be borne in mind that
besides the sos month payment on
the mortgage they would be paying on
the principal at least $32 a month,
which is in the nature Of savings ard
can be rated as such.
$4,000 property would be much
better investment for these people on
their present income. The monthly
carrying charge would be cut down to
about $50, and I should certainly ad-
wise them to take the less valuable
house with the idea that as soon as
they had saved up little more money
they would try to sell the cheaper
property and then invest in whatever
would better meet their needs.
AS a general proposition I believe it
is wiser for family not to figure on a
monthly carrying charge for housing
Of greater amount than one-third Of
the income. Where the mortgage is be-
ing carried through building and
loan association the items of shelter
and savings in the ideal budget are
combined, for the principal payments
on the mortgage constitute regular
saving of a considerable amount.
G. A. MARTIN,
President Railroad Cooperative Build
ing and Loan Association.
New-York tribune., 1922-07-16

Heating heat, in accordance
with detailed specifications.
Electric Wiring-Wiring to be done
In accordance with latest rulings of
the National Electric Code and to be
conduit throughout Complete cleo
trlcal installation to provide for light
ing and heating fixtures.
Plumbing will include COM
plete drainage and water supply
system. Bath tub of proclaim enamel,
enamel, hung on concealed wall hang
ers. Porcelain enamel hand bowl.
Standard enamel kitchen sink with
drain board. Two porcelain enamel
fiat rim wash trays with adjustable
wrnger attached. For the hot water,
brass pipe is specified and an auto
matte hot water heater is required
Misunderstanding to be three-coat
white enamel finish on trim. Doors to
be stained mahogany finish. Hard
wood floors to be given one coat of
faced filler with brown stain and two
coats floor varnish rubbed dull.
Hardware-Allow for rough and fin
ish hardware, 500. Bronze finish sug-
gested.
New-York tribune., 1922-07-16
Rent No,o and Buy Later,
Says CE,as. orc. Hennessy
Thinks Young Woman Should
Sare Little More Before
Attempting to Purchase

To the Real Estate Editor of The
Tribune.
Sir: My answer to the young woman
is that it simply can't be done, and
these young people are due to meet a
painful assortment of troubles and per-
plexities if they try it.
What, then, should they be encour-
aged to do? Should they postpone the
wedding and abandon their home own
ing ambiSions until their savings fund
and the annual income are greater?
Not at all. If they are the right kind
Of young people, capable of mutual
love and sacrifice, the happiness and
the helpfulness of welded life will
make them stronger and ultimately in
quer the limitations of circumstances
and to attain their hearts desire, what
ever that may be.
S7,500 house. 1t is not for them just
now. Let them rent place for the
time being and with the balance left
of their savings, after paying for the
furniture, let them establish perma-
nent savings fund in some good saw
ings and loan association, to be
added to by regular monthly in
stalments, within their budget limi-
tations until such time as they
have accumulated the necessary mar
gin (Which should not be less than
% per cent of the value of the house
to be purchased) to entitle them to
obtain from the association an easy
payment mortgage loan that may en-
able them ultimately to become home
owners. With the increasing self-re-
spect and self-confidence that come
inevitably with an increasing savings
account, the breadwinner of the family
may, l hope, find a greater capacity
for service in the business in which
he may be engaged, with a correspond
ing increase of income by and by.
Will you permit me to add something
that has nothing to do with mere
finances of a situation like this, but
which may be thought worth while
for all young people to write for ad-
vice? To be thrifty or to get wealth
does not count for much unless, during
the process we are building character
and are carrying with US the spirit Of
kindness and love Of justice for all
greatest and most kindly of American
philosophers, Benjamin Franklin, put
it this way: "But, after all, don't de-
pend too much on your own industry,
frugality and prudence, excellent as
these things are, for they may all be
blasted without the blessing Of
Heaven; and, therefore, .ask that
blessing humbly. and be not unchar-
liable to those who at present seem to
want it, but comfort and help them.
Remember Job suffered and was after
ward prosperous"
CHARLES orc. HENNESSY,
President of the Franklin Society
for Home Building and Saving.
New-York tribune., 1922-07-16
Wonnar, Says 1t Can Be
Done, in Ans,cer to ak.
On Income Of $500 Has Pur.
chased $500 Home in At-
frGctire Section

To the Real Estate Editor of The
Tribune.
Sir: On answer to A. L. KS letter
in to-day's Tribune, would like to tell
her of what we are doing. My hus-
bands income is about $4,000 q year
uncertain, however, and frequently
less than that amount, as he is a pro-
fessional mani. One year ago we
bought home for $500, and seem to
be getting away with it. The figures
A. L. K. quotes are, think, reasonable
and carefully thought of. Not only did
we buy more expensive house than
she contemplates, but we have the addi-
tional expense of two small children.
We live nicely, entertaining simply but
frequently OF course, the most care
full management and cooperation are
required, but the greater ultimate value
Of the larger investment makes it well
worth while. INTERESTED.
New-York tribune., 1922-07-16

Interior doors will be of what is
known as two-panel construction, and
will be OF birch or similar wood. which
is particularly we'll adapted for the
mahogany finish now so much in vogue
The house has been planned through
out for the convenience OF the house
keeper. but the work of housekeeping
can still be materially lightened by the
installation of electrical labor-saving
devices such as electrical washing ma
chine, iron, portable electrical heaters,
fans, vacuum cleaner, dish-washing
machine and the electrical table FIX
lures which help so much In the prep
GRAFTON of a light meal during the hot
months.
Complete working drawings and
specifications can be obtained from the
Home Owners Service Institute, 81
West Thirty-n ninth Street
New-York tribune., 1922-07-16

lduice to Miss A. L. k.
Is to Change Her Plans
wings and Income insufficient to Pay $500. Ac
cordng to Majority of Letters Received; Some
Encourage Young Woman to Go Ahead

IN Tribune Of last Sunday published letter from M
cag Tribune readers help her to sov interesting hosuo
.m Some this month asau uouno gaoa
,ss geek Beween them they haze saved $1,000 M,as
aina proper spirit oants sch home Of her o ch
s il mind house that ooud cost $780, plans nhe IN
tocad the purchase yenaniuo ssoo h
L buy furniture Her once has against her
- herself A. x. Tribune readers 70 teu h
Ia d. Here their ' '"e
New-York tribune., 1922-07-16
House Planned Especially
To Help Narro,v Lot O,cners
Has Six Rooms, Yet Can Be Built ON 2O-Foot Site;
Architect Places Cost at So, 500; Is Planned
to Stand the Ravages of Time

The. house designed published to-day,
the nineteenth in the Tribune series of
small home plans, will meet the prob
lens of narrow site owners. Six rooms
are provided in this compact house of
concrete and stucco.
The plan was originally worked out
New-York tribune., 1922-07-16
Income Viii Not AIlo,v
Buying $500 House
Housing Expert Says $4,000
Purchase Is Far More Sem
sibLe Iaresfnaenf for 4. l.. X.

To the Real Estate Editor of The
Tribune.
Sir: The main difficulty with 4. L.
KS problem as l look at it is that they
have not a sufficient amount of cash.
1t would be next to impossible to pur-
chase $500 property on an initial
payment of $500 or even $1,000 AS
Stunning, for the sake of argument, that
they could buy at $500 on a payment
of $1,000 this would leave $4,000 to be
New-York tribune., 1922-07-16
One Wh0 Kno,us' Advises
A. L. *. to Change Plans
On Basis of Her O,on Expert
ences Says Young Won,an
Has Set Self Impossible Task

TO the Real Estate Edltof Oh The ITID-
une.
Sir: In answer to A. l.. KS house
problem, published in last Sundays
Tribune, / would like to advise her not
to attempt such a burden. After care
full study and budgeting / find there is
much she has not allowed for.
A little less than three years ago we
purchased our home, which cost $4,000,
on which we had sA,40o building and
loan mortgage and second mortgage
New-York tribune., 1922-07-16

of $500, on salary of $40 week, or
$4,000 a year, approximately. This
meant constant deprivation until the
second mortgage was cleared, since
and realize we have just began TO live.
Very little was spent on clothing the
first two years, and only on $4,000
encumbrance. A. L. KS would be ST.
600. 1t is really impossible, as she
couldn't possibly economize more than
we did. Our taxes last year were $120;
fuel, $110. We have q coal range on
which | cook in winter, or our gas bill
would have been larger.
1t would be far better for A. l.. K to
purchase a $4,000 home, and possibly
in year or two they could sell. By
then they would have more to make a
larger initial payment
Here is budget based on my ex-
penditures which will show Miss A. L..
K. how difficult is the task she has set
New-York tribune., 1922-07-16

The building and loan is the natural
source of funds for buying home for
people of this kind, for as long as their
payments are kept up no one can call
the mortgage and all the, time they
are paying off the building and loan
mortgage at the rate of $500 per year,
but with the great profits made by
these associations it will require only
eleven and one-half years to wipe it
all out. ALEX M. LINNETT,
President 18th Ward Building and
Loan Association of Newark.
New-York tribune., 1922-07-16
Builders S

Your enjoyment and comfort
will not be complete unless
your home is wired properly
for electrical conveniences and
labor saving devices.
We distribute the products
of the General Electric Com
pany and other manufacturers
of national importance to re-
sponsible electrical contractors
and dealers who are fully quail
iGed to give you a complete
electrical installation.
We will gladly forward you
information on house wiring
and electrical appliances, and
give you the name of our near
est dealer whom you can con-
SuIt
New-York tribune., 1922-07-16
New Homes for Rockaway

The Lewis II. May Company sold for
Samuel G. Hess a plot at the corner
of Reads Lane and New Broadway. Far
Rockaway, L. l.. to S. Schumacher,
who will improve the site with three
brick dwellings.
New-York tribune., 1922-07-16

identity being revealed through you.
Then we, and no doubt many other
readers of your page, would have some
real exact knowledge on which to do
our planning. w. C. H.H.
Ruth er rford N T
New-York tribune., 1922-07-16
Building Loan President
Says 4. L. X. Car, Do 1t
But Thinks 1t You'd Be Best
to Buy Less Expensive House;
ShOics HoU 1t Can Be Done

To Real Estate Editor of The Tribune
Sir: My daughter sent me clipping
from Sundays Tribune and asks me to
answer A. L. KS question.
should say it would be better for
them to start with $4,000 house, but
if she insists on the $500 proposition
then a way out would be somewhat on
this line:
New-York tribune., 1922-07-16
Budget ShoaUs A. L. X.
WouId Run Into Debt
''A Reoltcr'' Has Figured Out
That at the End OF the First
Year She You'd OtCe $500

To the Real Estate Editor of The Trib-
une.
Sir: A. L. KS inquiry in Sundays
Tribune is interesting, and ! submit
below some figures for her inspection.
l have noticed that with most per-
sons whose figures receive publication
that the desire on their part to own
home can be very clearly seen as in
fuencing their reasoning.
A. L. KS figures are not very COM
plete or clear, but | think the follow
ing may at least be of interest.
| think it advisable for prospective
selves by refusing to take certain items
of expense into account.
The estimate of depreciation of per
cent is about the proper one for frame
houses of good construction, as it gives
them an average life of thirty-three
years, which is borne out by statistics.
However, there are many houses being
erected to-day by bad methods where
the depreciation should rightly be fig
ured at or 10 per cent per annum:
ANNUAL EXPENSES
Interest lost on $500 cash invested
at per cent. ................-...,. $50
Interest on mortgages at per cent
Amortization, 10 per cent per annum 100
cent on So, 900 ........... 1So
Taxes 2% per cent t................ 20s
Fire insurance t$G.000) .......... 15
Water Observation-Disclosures. IL
Repairs ................... So.
Coal, ten tons at $12 tonS..,.,.,.. 100
Gas ..,...s..........,. 48l
Electricity ..........,.....,..... &c
Total. I.....................
Other items which must have consid-
Grafton are:
Food CA. L. KS estimate). -. $500 u
Clothing "a. L. ks estimate). 800
Laundry tS3 per week)..... 1856
Communication .....-.....s.. 75
Life insurance (s5000) ....... 100
Savings Observation-Disclosures. SO 1901
Total. ...........s2. s2.sla
A REALTOR.
New-York tribune., 1922-07-16


Mortgage and interest s1,12o
Table .................... .................. 500
oaoLnlhS ...-..s...... 2OU
Fuel ................... 100
Taxes Observation-Disclosures. 12p
water tax, ,....,...... ............... 15
Husbands lunches go cents a lunch
five days a week) )................ so
Amusements Observation-Disclosures. rs
Life Insurance. ........,............. SO
Fire insurance (Which runs for three
years) MISREPRESENTATION. 80
Gas and electricity. .................. 80
1rcidentals (shoe repairing, hair cuts
magazines, candy cream druggist
supplies, car fares for wife, etc.).. IS
fdpeES l3
Husbands car fare to business. 49,. -
Ace ...''..'.. .......
Total .................... s2.41s
No allotment for doctor, dentist or
smokes! What struggle this would
mean! "ONE WHO KNOWS
Bloomfield, N. j., July 10, 1929.
New-York tribune., 1922-07-16

room, one bedroom and n Kitchen WITH
its numerous utensils, together with
rugs, curtains, decorations, glassware.
stc' ihe minimum Of furniture will
require more than $500, unless thew
purchase it on the installment plan
and the budget precludes any monthly
installment payments.
MY suggestions to A. L. X. would he
snat she drop the idea of buying the
Si,oo0 home, for the mental tortures
sne now experiences are nothing to
wnat she will experience when she
trles to carry ont the budget she has
planned. Do not spend more than
$4,000 for the home. If the husbands
salary increases there will be ample
opportunity to sell the small home and
purchase larger one. You can afford
the $4,000 home and you can arrange
your budget as follows:
Pay $500 as the initial payment on
the home. This leaves a balance of
$4,000, on which, no doubt, a first mort
gage of $4,000 could be placed, leaving
$4,000 for the second mortgage, to be
liquidated in five years. The interest
on both mortgages at per cent would
amount to $270 and the yearly payment
for liquidation would be s400
The cost of running the home would
be about $3.50 year, divided as fol-
lows: Gas and electricity, $50; coal,
$7S; insurance, SIP; tax, about $50:
repairs, etc, about $50, with $40 for
telephone and any other expenses.
The budget could then be planned as
New-York tribune., 1922-07-16

Interest on mortga gages........... 1870
Rent. fuel, upkeep, taxes, etc. ....,. ESQ
Food and ice. Observation-Disclosures. $40
Clothing ................... 500
Life and accident insurance. ..,... rs
Husbands lunch and carfare 40 cents
Doctor and dentist, recreation, read
ing, pleasure, etc. tc................ 240
Total Observation-Disclosures. 1855
Savings invested in home by liquida
tion of mortgage. ......>......... 400
Total ............ .................. $2,235
Additional savings for investment
and furniture NEUTRALITY-SUSPICIOUS.. PSI
Total income. Observation-Disclosures. .s2.4s6
trust these suggestions will assist
A. L. X. in planning her budget and
future happiness.
A. URBAN SHIRK,
Little Neck, L. /.
New-York tribune., 1922-07-16
lille Neck Points Out
difficulties to A. L. k.
3, Sixteen Years Hare Been
Budeeting Expense; Kno,cs
Iu.t What Can Be Done

y. ,sa Real Estate Editor Of The
ma, Sir: have read with interest
{. M s,,sry Of A. L. K, addressed to your
;:..ssrtusnt !, s and published in the cdr
~ II July 9, 1922, concerning the
.s,..sse y. Of a $500 home on salary
4 10 week.
r., the past sixteen years ! have
~. eortrolling my expenses by the
.s.es. ~ method. The experience of
Zee ss.ss Years of budgeting places me in
. =, ',.,ition to criticize the budget
.srrrsd by A. L. X. and to point out
!. ser the difficulties she will expert
~ trying to live up to it.
| have given her budget careful con-
l.rssion and on totalling the emu
..,sted items find she is in error.
4. total expenses will amount to
80 instead of s2,3so. She divides
a.. az follows:
Palatka daily news. [volume] (Palatka, Fla.) 1919-1994, 1922-05-16
League of Nations
Will Not Handle
Russian Matter
IRy Asaocsated Pressl

Geneva, May 16.-The council of
the League of Nations refused today
to take up the Russian problem, and
referred to the Genoa conference the
Norwegian governments request for
an immediate inquiry by the league
into the general situation in Russia
and the effect of the famine on eco
monic reconstruction in Europe.
DR.. Fridtjof Nansen, who present
ed the Norwegian governments re-
quest and who is the leagues high
commissioner for Russian relief,
fought hard to prevent the question
going to Genoa. He said handing it
to Genoa was equivalent to burrying
it.
Marquis Imperiali, of Italy, pro-
tested this, saying he was confident
the conferees at Genoa would give
the question fullest consideration.
DIR. Nansen, however, insisted that
the Genoa conference was about to
break up without, according to the
press, reports, having solved the Rus
sian problem.
Palatka daily news. [volume] (Palatka, Fla.) 1919-1994, 1922-05-16
Cats INDICTMENT ON
BRIBERY CHARGE WAS
QUASHED BY THE COURT

Lake Butler, May 16-Former Gov
ernor Sidney j. Cats left here today
with but one idea uppermost in his
'mind-to proceed to Pensacola to pre-
pare to fight the federal indictments
there charging hi mwith peonage.
Judge Long, in circuit court, yester-
day, sustained the motion of the de-
fense to quash the indictment against
the former governor, in which he was
charged with accepting a bribe to in
fluence his vote on applications for
pardon.
The action of the court cleared the
former governor of any malfeasance
in office growing out of his alleged
acceptance of money to influence his
vote for the pardon of life term
convict, J. J. Coleman. While gov
ernor he was ex-officio chairman of
the pardon board. Still pending
against him is a federal Indictment
charging peonage in that he is alleg-
ed to have held two negroes on his
farm in West Florida to work out a
debt.
The defense argued that the indict-
ment was faulty in that although
Coleman was alleged to have profited
by the governors alleged wrongdo-
ing, the indictment did not specify
or claim that he presented the
bribe. The state charged that j. j.
Mendenhall, serving life sentence
for the murder of two women near
Clearwater, several years ago, acted
as the go-between, but Mendenhali's
alleged part was not covered spcci-
fcally in the Indictment.
Palatka daily news. [volume] (Palatka, Fla.) 1919-1994, 1922-05-16
BAPT|sTS' BU|LD|NG C.
FUND OvERSUBSCR|BED.
FINANCE REPORT SHOWS
,By Associated Press)

Jacksonville, May 16-The million
dollar church building and loan fund
of the Southern Baptist convention is
oversubscribed, it was learned here
today as hundreds of messengers from
all over the south gathered for the
opening tomorrow of the sixty-sixth
annual session.
DR.. L. B. Warren, secretary of the
department of the home mission board
who raised the fund just as continual
retinal trouble destroyed his eyesight,
will make a formal report later. An
optomistic report on the progress Of
the Seventy-tive Million Dollar cam
paign is also expected.
The reelection of President E. Y.
Mullins, of Louisville, and other Of
ficers is predicted, with the exception
Of DR.. S. C. Moore, recording secre-
tary. DIR. J. J. Taylor has announced
that he will oppose Mr.. Moore's re-
election on the grounds that he is ed
itorial secretary of the Sunday School
board and is now entitled to be an
officer of the convention. DR.. Tay-
lor will nominate A. S. Barnes, of
Montgomery, as recording secretary.
New Orleans and Kansas City are
seeking the next convention.