davidaulloa/AmericanStories huggingface dataset:
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

eminent. The government merely
acts as an agency for guaranteeing
loans that will be made to private
individuals by the local banks and
financial institutions. The Better
Housing program merely oils the
machinery of credit so that you
may pay easily and conveniently for
property improvements made at
once.
Through CWA property surveys
and other sources of information
it is now known that there are g.
100000 men in the United States
who want houses for themselves
and their families. There are over
100000 houses that are in need
of repairs. On the other hand
there are 100000 men in the build
ing trades and material industries
who are out of work and would like
to build these new houses and re-
pair the 100000 that need repairs.
There are billions of dollars lying
around idle that would like to go
to work making these repairs and
building these houses, besides a lot
of farm buildings and fencing for
farmers. ~..
The job of the Federal Housing
administration is to bring these to-
gether and start. For that purpose
the Federal Housing administration
has made it possible for any pro-
perty owner, individual, partner
ship or corporation with a regular
income from salaries, commissions
Or other assured sources to immed-
lately obtain the money. 1T can be
obtained from any national bank,
state bank or trust company, saw
ings bank, industrial bank or f.
nance company approved by the
Federal Housing administration or
through contractor or building
supply dealer. You can obtain this
money from 500 to $4,000, depend
ing on your income, for improve
ments on any one property and in
connection with not more than five
properties unless approved by the
Federal Housing administration in
Washington Your notes can run
for any number of months from one
to three years, payable in monthly
installments if you are an urban
resident, payable in quarterly or
semi-annually dnstallments if you
are farmer. All the security that
you have to give is OF prove to
your banker or contractor that you
have an adequate regular income to
moot tho in llDne nts and that Won
have a good credit record in your
community. You have to convince
your banker or contractor that you
own the property, that the income
of the signers of the note is at
least five times the annual pay
ments on the note, that your mort
gage, if any, is in good standing
and that there are no other past
due liens against your property,
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
EXPLAINS HOUSING PLAN

The following are excerpts from
a speech delivered by Editor Fred
Schilplin, st. Cloud, August 21st, IN
explanation of the home moderniza-
ton plan of the Federal Housing
Administration. Mr.. Schilplin is
Associate Director of this organiza-
ton in Minnesota. His talk fol-
lows:
On Saturday, August 4th, the
telephone operator at The Times
Journal switchboard told me that
Washington was calling and the
voice at the other end said it was
the Federal Housing Administra-
ton. The voice was that of c. R.
Churchill, special assistant to w. D.
Flanders, director, tleld Oganiza-
ton division, ond would it be pos
sible for me to be in Washington
at $50 Monday morning, August
9th, to attend a two day conference
with the directors of the Better
Housing division of the National
Emergency council; also could I be
interested in taking over the job of
associate director for Minnesota, I
said that was much interested be-
cause I believe that in the National
Housing act, which was signed by
the President on June u, 1884, there
are a series of far reaching meas
ures affecting the entire field of
home financing.
The central aim is to make home
financing on reasonable terms to
the borrower Immediately and per-
manently safe and attractive for
private capital. AS result of the
National Housing act there has
been devised a plan simple and
practical, which will Immediately
make available idle money to put
idle men to work The act does
not provide any new machinery for
direct loans to individuals by any
federal agency. On the contrary, it
is designed to enable banks, build
ing and loan associations to car
ry the load.
The preliminary work of the Fed
eral Housing administration will be
confined largely to the rehabilita-
ton and modernization campaign.
This work is not done by the gov
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

that you will use the proceeds sole
ly for property improvements.
The not must be signed by the
owner of the property and if the
party is married, also the sigma
ture of the wife or husband. No CO
signers or endorsers are required.
The financial institution from
which you borrow the money may
not collect as interest, discount or
fee of any kind a total charge in
excess of an amount equivalent to
$500 discount per year per $1oO
original face amount of note. You
can pay this money in regular
monthly payments or if you are a
farmer, in seasonal payments until
the note is paid in full. Applica-
tions for credit will be considered
on farm buildings, homes, stores,
office buildings and warehouses.
You pay this note in regular
monthly installments at the place
of business or financial institution
that loaned you the money. You
can pay the note in full at any
time that you have the money and
want to use it in this way. If you
want to make more than one
monthly payment on the same date
you can do so but they should be
in exact multiples of the agreed
payments of monthly installment,
that is $1O,$20 and $50, etc. You
must not permit your payments to
fall in arrears. Should payment be
more than Is days late you are ex-
pected to reimburse the financial in
stitution for its expense in part at
the rate of not more than five cents
per dollar for each payment in ar
rears. Persistent delinquency will
make it necessary for the financial
institutions to take the usual steps
to effect collection in full.
We are apt to think of the casual
ties of the past four or five years of
the depression in terms of it's hui
man victims-and rightly so. But
there have been other victims. Mil
lions of American homes, millions
of American farm structures and
other buildings have suffered SER
iously from the lack of normal care
and attention. Because of this
neglect the value of these buildings
is rapidly decreasing. Most OF
these buildings have reached such
a physical state that nothing short
of major building operations can
same them. It is estimated that
some 100000 buildings are so run
down that they should be disman-
tied and replaced with new ones
There are 100000 that require for
the most part only minor repairs to
put them in good condition, but ii
is important that this recondition-
ing be done at once.
Through the cooperation of f.
nancial institutions and the Unit
ed States government, credit fol-
property owners has now been
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

many years the fire-proof home will
be the rule rather than the excep-
ton. Many homes have walls of
non-burnable material and fire re-
sistance roofs, but very few have
fireproof floors, on account of the
cost. A pro-cast concrete joist has
now been developed which cuts the
cost of fire-proof floors in half, and
makes fire-proof homes possible at
modern cost.
In old homes the Fire hazard can
be greatly reduced by undermining,
and the federal governments new
plan of financing home improve
ments will not only make many
homes more attractive and con-
venient, but safer places to live in.
A stucco "overcoat" and new
roof of fire resisting shingles will
lessen the danger of fire from out
side sources, and at the same time
make the house cooler in summer,
warmer in winter, and reduce fuel
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
sAUK CENTRE HERALD, Sank Centre, Mimi.

made available on ne most reason
able basis ever offered for such f.
nancing. We of the Housing adj
ministration here in Minnesota are
greatly heartened by the co-opera-
ton that has been offered us by
the banks and financial institutions
of Minnesota. They are coming
along with us on sound and con-
structive lines. The financial insti-
tutions of Minnesota are assuring
us that they will supply credit by
the method with which they are
most familiar. By making loans or
purchasing loans under the plan
these financial institutions will OBJ
tain an investment providing sat
isfactory return plus compensation
for the extra expense of handling
this type of transaction. The gov
eminent providing insurance with
out cost to cover any probable loss
to the financial institutions will con-
tribute its share to make this type
of paper a distinctly liquid in
vestment. Dealers and contractors
will profit from the additional bus
mess resulting from the plan. They
will obtain cash in settlement for
the cost of improvement jobs ar
ranged by property owners and
they are expected to give property
owners the benefit of the lowest
cash prices.
You, yourself, are the best judge
of whether your home would be
more desirable with new coat of
paint, new roof, additional plumb
ing, lighting fixtures or heating
equipment. You know what would
improve the appearance, Reliability
and efficiency of your own bust
ness property.
Now is the time to make those
improvements. The National Hous-
ing act was designed to help you
improve your property and in
crease it's value and usefulness
Through one Of the simplest and
most reasonable systems of financ-
ing ever devised, the act makes it
possible for you to make delayed
repairs and provide better sur
roundings for your family.
If you have cash for property i'm
provements, cash payment is, OF
course, the best method. The favor
able time is now. If it seems more
convenient to pay for such work
out Of your regular income, now is
the prudent time to borrow-either
directly from your bank, building
and loan association or other in
stitution cooperating with the Fed
eral Housing administration, OF
through your contractor or build
ing supply dealer.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
Looking Back
Through Time
Excerpts From The Herald of
Thursday, Aug. 20, 1914-Items
of Interest of Twenty Years Ago

The committee representing the
Sank Centre Commercial Club has
started the ticket sale for the OPP
ening of the splendid new Caugh-
rem Theatre in this city Friday eve
ming, Sept. 4. The work of this COM
mittee Is purely patriotic.
Chairman Hennepann and Messrs.
e. A. Richards and d. B. Caughren
announced this Thursday morning
that they have the itinerary ar
ranged for the first automobile so
liability run advertising the Stearns
County Fair. ..
DR.. Henneman had rather an ex-
citing experience at his office Mon
day afternoon. He was working in
his laboratory with a gasoline
torch. An explosion took place and
in an incredibly short time a mer-
ry blaze was getting larger each
moment. The doctors clothes were
set on fire. Mrs. Henneman was
with him at the time, and picking
up a large rug in the main office
she wrapped it around the doctor
and put out the fire. Mr.. Henne-
man was uninjured save for few
slight burns on his hands and the
property loss was small.
Mr.. and Mrs. L. A. Walker and
baby returned home Thursday last
from a fortnight's stay with rela-
tives and friends in Waupun, Wis.
This section was visited by quite
a severe wind, rain and electric
storm last evening about ten
o'clock. No serious damage has
been reported to the Herald except
that Park Commissioner Orvar
states that thousands of small fish
in Sank Lake were killed by the
force of the waves in the rushes.
Mr.. and Mrs. John Cook and lit
tie daughter, of New Richmond,
Wis, arrived in Sank Centre We'd
nesday for a visit in the home of
her brother-in-law, J. A. Brown. The
Cook family were residents of this
section for years and resided on
the BOSS Farm" now owned by
Ferd Bergman.
DR.. J. A. Dubois left Tuesday af-
ternoon for a trip through the
northern part of the Sixth District:
The genial Sank Centre man is be-
ing very cordially received in all
parts of the district and his chances
of succeeding Mr. Linbergh in con-
gress are growing brighter each
day.
Louis Sittko, of Westport, passed
through here Monday afternoon on
his way home from Minneapolis. He
is now driving Hup roadster, hav-
ing traded in his Car Nation road
ster.
o. H. Doolittle, who has worn a
full beard for the past thirty years,
had BarbersGeo. Butler remove the
whole outfit Monday. O. H. says
his wife refuses to speak to him
and the Herald doesn't blame her.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
Mccormick Lake

Mr.. and Mrs. Leo Ramacher, of
Melrose, visited at the Theodore
Soenniker home Wednesday even
ing. Ills
Mrs. Paul Wilcox spent Sunday
afternoon with Mrs. Gross and
Mary. ...
Mr.. and Mrs. Ed Gaspard and
daughter and Mr.. and Mrs. Law
renee Herzog spent Sunday evening
at the Will Simmer home.
Mr.. and Mrs. Ray Budde, Lor-
eta Kuepers, Will Kuepers, Ben
Budde, ST., Clemens and Clara
Swerk and Joe Budde, of Du-
buque, Iowa. Lawrence and Betty
Budde and Mrs. Joe Budde, of
Melrose, were supper guests at the
Carl Budde home Sunday.
MIR. and Mrs. Carl lPauly visited
with Mr.. and Mrs. Will Simmer
Sunday afternoon.
Ed Moore, Jr., of Staples, Mimi,
spent the week end at the Harry
Knapp home.
Mr.. and Mrs. George Klaphake
and children, Mrs. Aug Klaphake
and Mr.. and Joe Hellermann and
baby spent Sunday evening at the
Theo. Soenniker home.
Mr.. and Mrs. Roy Allen and
Rudolph Tank, of Brainerd, drove
down Sunday and called on Arnold
Tank at the Long hospital in Sank
Centre. .......-.
Bertha Reisner. of Avon, is
spending this week with her sister,
Mrs. Ben Weiner and family.
Mrs. Craig Wilcox and three
children, of Minneapolis, spent
Monday forenoon at the Paul Will
cox home.
Mr.. and Mrs. Vessel spent Sun
day evening at the Will Simmer
home.
Henry Steinmann called at Theo
Soenniker's Wednesday afternoon.
Ed Moore, Jr., Harry Knapp and
son and Mrs. Minnie Mann spent
Sunday forenoon visiting with
John Wolf and Mrs. Gross.
Mrs. Paul Wilcox spent Wednes'
day with Mrs. Knapp.
Mr.. and Mrs. Ben Weiner and
family attended family reunion al
Long Lake Sunday.
Mr.. and Mrs. Frank Tank re.
ceived a telegram Wednesday moor
stating that Arnold, who has beer
spending the summer at Brainerd
was very i'll. They left Immediately
for Brainerd and brought him tc
Sank Centre taking him to the
Long hospital, where they operated
on him that same evening for ap
pendicitis. Arnold had a hard day
Wednesday and the long ride home
was hard on him. He was very
sick boy for several days, but II
getting along nicely now. We hope
he continues and will be able tc
come home soon.
Viola Christie helped Mrs. KNAPP
cook for threshers.
Bertha and Valeria Vessel spent
Wednesday with Rose Hellerman al
the Soenniker home.
Mr.. and Mrs. Albert Baggenstos:
and family, of Padua, Mrs. Hilds
Baggonstoss, of Albany, Mr.. ant
Mrs. Roy Allen, of Brainerd, and
Rudolph Tank were dinner anc
supper guests at the Frank Tanl
home Sunday.
Arthur Lloyd took supper a
Knapp's Sunday evening and visit
ed with Ed Moore, Jr.
Mr.. and Mrs. Ed Lambrecht. O
Grey Eagle, spent Thursday after
noon at Tanks.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

costs. A ceiling Of cement plaster
on metal cloth will reduce the dang
er from fires originating in the
basement. An inspection of the av-
erage home will usually reveal
many other ways of removing fire
risks by slight alterations and re-
pairs.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
TOO Late for Last Week.

(Too Late for Last Week.
Mr.. and Mrs. Fred Boyer and
son, Harold, and Charles Heiden, of
BOWS, Iowa, and Mrs. Lillian Sand
We, of Thompson, Iowa, spent few
days visiting at the Gus GRADER
home Mrs. Boyer and Mr.. Heiden
are brother and sister of Mrs.
GRADER, and Mrs. Sandve is a
daughter.
Mr.. and Mrs. Will Simmer and
three children accompanied by
HELEN and Ellen Deziel, who have
spent the past three weeks visiting
here, drove to Minneapolis Sunday.
Mr.. and Mrs. Ed Moore, Sr., of
Akeley, Mimi, spent from Satur-
day until Monday afternoon with
Mrs. Mann and Mr.. and Mrs. Harry
Knapp. Mr.. Moore is a brother Of
Mrs. Mann.
Mr.. and Mrs. Ray Ehr, of Chaska,
Mimi, and Mrs. Katherine Ehr
spent Sunday at Graders.
Mr.. and Mrs. Ed Moore, ST., Of
Akeley, Mrs. Mann and Mrs. Knapp
spent Sunday evening with Mr..
and Mrs. G. D. Wilcox in Sank
Centre.
Mr.. and Mrs. Frank GRADER and
daughters visited at Gus Graders
Sunday.
Mrs. Curly left Monday for a
two weeks visit with friends and
relatives in Iowa.
Mr.. and Mrs. Ed Moore, Mrs.
Mann, Mr.. and Mrs. Harry Knapp
and son. Donald, called at the Ar
thur Lloyd home and also on Mrs.
E. "a. Richard and Mrs. Clara
Smith at their cottage at Birch
Lake Sunday.
Mr.. and Mrs. Lester Iwinski, of
Alexandria, spent Sunday evening
at Graders.
Mr.. and Mrs. Bruce Wilcox and
sons, of Wadena, called at the Paul
Wilcox home Sunday.
Mrs. Ralh Veeder and daughter,
Lillian spent Monday with Mrs.
Paul Wilcox. Madalon and Pauline
Wilcox accompanied them home for
an indefinite visit.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

MODERNIZING HOMES WILL
CUT FIRE TOLL
Fire prevention will be given
more attention in home building in
the future than in the past. Before
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
BRoOTEN DEFEATED EAGLES

The Brooten baseball team, with
Kampsen, of Elrosa, as pitcher, de-
feated the st. Cloud Eagles Sunday
in a ten inning game by the score
of 4 to 3. Kampsen hurled a beau
tiful game, allowing only seven hits
in the ten innings of play. He also
received wonderful support. A
number of Sank Centre fans at
tended the game.
Miss Julia Gallo, of Flushing, N.
Y, has been awarded a big sewer
contract in Queens county.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

Mrs. Ben Weiner called at
Knapp's Tuesday forenoon.
Mr.. and Mrs. George Berg spent
Wednesday in st. Joe and st. Cloud
with relatives.
Mrs. Allen Wilcox and children
called at Paul Wilcox's Monday
forenoon.
Harry Knapp and son and Ed
Moore, Jr., spent Monday fore
noon with L. w. Garfield.
Mr.. and Mrs. Leo Demro, of st.
Cloud, spent Tuesday with Mr.. and
Mrs. Harry Knapp.
Albert Diesen was dinner guest
at Henry Lloyd's Sunday.
This community was sorry to
hear of the death of Mrs. Tillman,
mother of Mrs. Leo Weber. Our
sympathy is extended to Mrs. Web
er and relatives.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23

Stock up for the school season ahead
at this sensationally low price! Fan
cy pattern percales, solid color broad
cloths. Sizes 6 to 141a. Choose early
for best selection. Blue chambray
shirts &c.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1934-08-23
Belle Vue Shifting

OF conDbed cotton. fine gauge,
and ribbed! In black. t al ms,
sizes 6 to sh!
The Waterbury Democrat., 1934-05-15
The NRA Retreat

Most people, whatever their politicai and economic opinions or their buslilcss connections, probably have sense oi re- lief from the Washington report that thG MIRA is going to quit trying to control al the little industries. It is here, mainly that it's efforts break down and It meets most trouble and dissatisfaction. Local service trades, particularly, such as laun- dering. drycleaning, pressing, barbcring, bootblacking, and so on, are elusive ana confusing, hard to cover With codes "no hard for code enforcement.
 It is an open question whether thc eH- tension of codes to so many hundred minor industries was undertaken because the MIRA Administration wanted to take them all in, or because it was demanded by the various trade associations and labor groups. Perhaps all these forces worked together to push the reguative system far- ther than it could go effectively, at least in the present stage of American induS'
 It is said that the "retreat" will not ex- tend to general retail trade, despite the many small units involved, because the codes have been found valuable in that field. But surely the general principle ol withdrawing to the principal manufactur- inc. trade and service groups, concentrat. ing on steel, coal, oil and so on, should make the MIRA system more effective by uncluttering it and lessenng the oppor- tunities for criticism. If NRA IS to prove it's usefulness and gain permanent place in the national system, it will be m the biz. dominant groups that do three fonrths of the nations business.
The Waterbury Democrat., 1934-05-15

at the conclusion of campaign during which he and his administration had been subjected to severe and caustic criticism at the hands of the Waterbury American Republican. Despite this he merged tri- umphant at the polls.
 As to his future political ambitions we don't think he will allow them to be swaycd by the particular desires of state leaders at the present time. The demo- crats must muster a strong lineup for the November contest. 1t won't do to depend entirely on the past administrations of Governor Cross nor upon the fact that the democrats held the Senate in 1883 and were enabled consequently to increase their hold on the patronage of the state More than this is necessary to bring home third successive victory.
 The name of Hayes on the ticket would strengthen it, but at the same time tt might not be the most suspicious manner in which our mayor could make his state debut. And his personal feelings in the matter count far more than anything else He no doubt has definite opinions of his own political life There is no sense in al- lowing 1t to be dictated by the whms or desires of others. We won't place too much credence in the rumors about his candidacy until he has spoken himself. By the way what happened to that incipient boom for Kenneth Wynne for lieutenant- governor?