davidaulloa/AmericanStories huggingface dataset:
Evening star., 1934-01-21
BY WILLIAM HARD.

"HE tallest topic of talk in the
National Capital at this week
end could be said to be: How
i strong, really, is the PRESIDENT
Evening star., 1934-01-21

Continued on Fifth Page.)
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19

net profits from the Company's OPP ra.
too will be used for he Welt re
of the Poop of the Virgin Island
This is a part Of President Roooevelt's
New Deal for The Virgin Islands If our
people show the necessary appreciation
and extend their eoopsrasiD0 ihe exoeri-
ment should prove q trem aninus sue
cess. OF course. il is alsp necessary That
those who manage the Come any's
affairs do their part in carrying out the
Presidents desires in the right spirit.
In turning over their properties TO the
Government the owners feel that they
are doing their part in helping the Gov
eminent 10 do the greatest good for the
greatest number.
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
Radio News

Pittsburgh, Pa: Pennsylvania repahli.
cans repeatedly are planning to ca a
special session Of the legislature. Penn.
sylvania' s Republicans, you may remem.
Der, took an awful licking when the vote
in lart Tuesdays election were counted,
but there are TO- 900 Pennsylvania re-
publcans who occupy lucrative state DO.
sitions. That's the reason fer the spe.
cial session before the Democrats move
in. All of those 20.0 jobs, it is report.
3D. will be made permanent with the
Republicans. making them all civil SER
vice positions.
Melbourne: The Duke of Gloucester
who has been doing a pretty fair job
of Prince of Wales during the centep-
NAL celebration of the State of Victoria
sailed for home and Windsor Castle TO-
dag. He will stop eff Wednesday at
Hobart capital of Tasmania.
Washington Fen Of the nations rail.
roads are in default of interest on loans
advandeed them by the Reconstruction
Finance Corporation. Fiat may sound
diseouraging but RE chairman, Jessie
Jones thinks its good sign in view of
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
Monday November 10Th 1884.
The New Deal

Do Saturday night Mr. Cecil Snyder
delivered u. S. Treasury cheques in pay
ment for the Central Sugar Factory Is.
rates, Son Farm, Peters Rest. Thomas
& Caraval and the st. CroiX Disabling
Company's plant. The Factory and es-
tates were sold to the United States
Government for $89, 415.00.
Mr. Snyder and his assistants worked
from Saturday morning until after nine
o'clock on Saturday night to complete
the legal formaffties required in trans.
fer of real estate to the u. S. Govern
ment.
The Central Sugar Factory. partly dis
manted. WAS acquired at time when
the cane growers in this district had ne
definite assurance that they could mar
ket the canes they raised. At great ex-
pense the Factory was reoonditionsd and
more than fulfilled the expectations Of
the growers.
Linked up with the GistlIery. il is pos
sible. with the opening of valve to send
Juice into the distillug plant for the
making of rum end when the juice is not
required for that purpose it is converted
into sugar.
These properties are on the sea esast,
a convenience that eannotee overestima.
ted and the Factory is connected by
pipe line with the fresh water stream
at Morning Star"
The estates Sion Farm etc. comprise
about 7C0 acres of land with the Centre
Line read running through them. They
are ameag the most valuable properties
on the island both as to quality of soil
and location.
fhe properties now purchased togeth-
err with the Bethlehem sugar factory
and the estates Bethlehem, Frieeens borg
aud Jealousy (2.000 acres form the in
dustrial unit that will be operated by a
Government Agency known as the Vir.
gin Islands Company. The Company
will lease the property from the u. s,
Government for $500.00 year and the
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
ADULT EDUCATION
ChristiansLed

Glasses in Sewing. Cooking Citizen
ship, and Spanish with the excep-
ton Of he class for the Police
men will not meet during the next
week of November 10Th. Ii is expected
classes will be resumed the following
week Announcement stating the open
ing of these various classes will be made
in this paper wit hin the next few days,
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
POLITICS DIVIDE PEOPLE OF
ST. CROIX

Political feelings in st. Creix have
assumed large and foolish proportion.
If man who wants light from his
friends cigarette asks the time of day.
he finds some moment during the brief
period to get in the fact tat he is anti
or pro- Pearson. Perhaps the next thing
they would do is to identify themselves
with colored shirts. ties. or some such
wearing apparel. Daily News
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19

Judge Wilson adjourned the court
on Saturday morning in order to facili-
tate transfer of real estate 20 the United
States Government. the services of the
Recorder and Notary Public who is also
Clerk of the Court being required bv
Mr. Snyder, the legal representative of
the Federal Government.
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
Random Notes

A bumper house witnessed the screen.
ing of Only Yesterday" featuring a
new star you'll never forget Margeret
Sullivan anj John Boes was in the lead
ing role among a ASCOT SO DayerS In
the news reels patrons had The op0Or-
lunisy to see Bruno Richard aauotnann
the accused kidnapPer of the Lindbergh
baby was shown with the money receiv-
ed for ransom. He claimed that he found
the money 10 his garage. He is an alien.
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
St. Thomas News
RUMoRs OF GHOSTS

Runners are heard around teWn to the
effaet that ghosts are guarding the cis-
tern in the market. for some reason or
other. Many people are worried. Some
fear their leaders may meet d7stl action
at the hands of the intangibles: others
fear that they themselves might be vic
trl.iZed.
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19
ST. CROlX TRIBUNE

ST. CROlX TRIBUNE ~
Published daily except. Sundays & ID oil +.
DAYS at 5SB Company t.Chris tiansted
ST. Croix. ". |. u s A. by St. Croix
Cooperative Society
Enteredas second classmatter on J ly
lsr 1922 at the Post Office at Chris tlan
sted. st. Croix, VI. U. S. A. under the
Act of March Bird. 1879
r. DE CHABERT. Editor
St. Croix tribune. [volume] (Christiansted, St. Croix, V.I.) 1922-1937, 1934-11-19

Mr.. James Bough was admitted to the
bar in the District Courr 10 ChFistis n
sted by Judge T. Weber Wilson on
Saturday morning. Mr.. POUCH received
49, marks, two other candidates for ad-
mission, Joseph Benjamin and Morris E.
Davis failed again to pass the bar
eXaminatiOn, Benjamin receiving 66..3
marks and Davis 81 e
Judge T. Weber Wilson returned to
St. Thomas yesterday. also Judge G.. H.
Gibson.
Mr.. Cecil Snyder. iAttorney from the
Us. District Court of Paerto Rico sailed
on the SIS. 'Catherine" yesterday.
His Excellency Governor Paul M,
Pearson returned to St. Thomas CD the
IS. Catherine" yesterday
There was a game of baseball played
on Parade Ground yesterday afternoon
between Atlethtie tsnd . picked team
from Frederiksted which resulted 10 a
victory for the former by a score "a.
Evening star., 1934-11-17

borrow money to build a home on
it that would cost $4,000 to build,
his lot could be considered his equity.
or other lending institution that he
can meet the equal periodic payments
during a term of not more than
20 years.
If the maximum period is granted,
this would mean annual payments Of
s700.56, or monthly payments Of
s58.38, including interest rate Of S
per cent per annum, mortgage in
surance at the rate of one-half of l
per cent per annum and service
charge of one-half of l per cent per
annum on the outstanding balance.
The initial costs incident to acquir-
ing the home. such as appraisers fee,
titling fee. attorneys costs, etc, must
be paid by the home owner. This
item, which probably would be less
than Sl00, may be included in the
loan if the 80 per cent limit is not
exceeded thereby On short term
mortgages this fee. or part of it, is
charged every time the mortgage is
renewed, but under the insured mort
gage plan, 1t is paid at the outset
only.
Interest Declines.
While the periodic payments Of the
borrower will be uniform throughout
the entire life of the mortgage, the
amounts applied against the principal
and those paid in interest will vary,
the interest sum decreasing and the
installments against the principal debt
increasing. On a 20-year, S per cent
mortgage, the payments on principal
required to liquidate it when due would
begin at the rate Of per cent per
year on the basis of the original
amount borrowed.
Broken down, the $5838 monthly
payment includes $3.50 paid against
principal and interest, 1894 for mort
gage insurance and 1924 service
charge.
At the end of a 15-year period,
Evening star., 1934-11-17
ARDREY TO SPEAK
AT BUILDING MEET
Insured Mortgages and Relation
to Firms to Be Discussed at
Baltimore Thursday.

Special Dispatch to The Star.
BALTIMORE, November III.
Howard Ardrey, deputy Federal hous-
ing administrator of Washington, will
be one of the principal speakers at the
fourteenth annual convention OF the
Maryland League Of Building Associa-
tions, which will be held here next
Thursday.
His subject will be RULES and Regu-
lations for Administration Of Titles 2
and 3 of the National Housing Act Re
lating to Insured Mortgages and Ma
tional Mortgage Companies"
Other speakers and their subjects
will be:
Retaining for Building and Loan
Associations Their Leadership in the
Home Financing Structure Of the Ma
tion," by George w. West, Atlanta,
Ga.
Building and Loans Legislative
Program for the Next Session Of Con-
gress," by Morton Bodfish, Chicago,
executive secretary of the National
League of Building Associations.
Continuing their usual policy, the
directors of the league have invited
representatives Of all building associa-
tions, whether members Of the league
or not, to attend the convention.
The business session, which will be
devoted largely to an open discussion
of the more important business and
economic problems affecting building
associations at this lime. will begin at
2p.m.
The convention will close with a
dinner at night.
Evening star., 1934-11-17
MEDICAL property
HELD |MPER|LED.
Magazine Article Cites Oh.
stacIes Faced by Physi.
clans and Dentists.

A warning is sounded in the Novem-
ber issue of skyscraper Management
Magazine, by Frank Winston, Chair
man Of the Medical Buildings Commit
tee of the National Association Of
Building Owners and Managers, that
If the army Of physicians, surgeons and
dentists are forced to meet increasing
obstacles Of the nature which now con-
fronts them, millions of dollars worth
of property in highly specialized, costly
constructed, medical buildings will be
worthless.
These buildings" states Mr.. Whis-
ton, particularly designed for q par
ticular purpose, and completely
equipped with air, water, plumbing,
gas and so forth, represent an enor-
nous investment which will be dissi-
pated almost overnight If concerted
action is not taken to correct the evils
which have steadily projected them
selves into the picture.
Let us see just what conditions
have brought this about, what can be
done to prevent their expansion and to
save the situation.
Suffer Adversities.
''The medical and dental professions
have suffered q series of adversities
which they were wholly unprepared to
Withstand. Every business and profess
sion has experienced the hardships Of
depression-there is nothing unusual
about that-but for the doctors and
dentists, the effects have been cumula-
tive and augmented by sinister devel-
opments that strike at the foundations
upon which the structure Of profess
sional practice has been established.
so, 1t is not condition which will
cure itself as times improve, and peo-
pie again have money to spend for the
privilege Of consulting their doctor. 1t
is far more serious than that. The pro-
fession Is in desperate straits. It needs
help. 1t needs public understanding
and support. 1t needs the cooperation
Of business interests whose we'll being
is also at stake. And, 1t needs these
things now-before 1t is too late.
Gives Services To Charity.
ut is probable that the medical and
dental profession is under organized so
far as practical measures for mutual
protection against adverse conditions
are concerned.
1T was particularly vulnerable to
the ravages of depression, not only
because people with less money to
spend are prone to get along wi .hout
medical attention, but because with
the help Of the doctors themselves,
philanthropical agencies have greatly
increased their facilities for free
treatment. Many doctor. true to
his professional theories Of public
service, is giving q major part of
his attention to charitable cases when
he, himself. may be in greater dis
tress than some of the patients who
accept without compensation the
service which Is his only means of
livelihood
1T Is a peculiar situation No one
would deny medical attention to those
without means to pay for it. but
while relief agencies buy the food and
clothing they distribute, the physician
Evening star., 1934-11-17
BY VINCENT TUTCHING.

For the family initiating the pur-
chase Of a home, the provisions of
titles II and III of the national
housing act make possible long
term, fully amortized mortgage plan
that is radical departure from the
general run of existing home financ-
ing practices.
Unless the home buyer is in a posi-
tion at the outset to have substan-
tial equity in his acquisition, however,
he cannot benefit by this new and
different method of paying for his
home. But if he can start out by
paying the equivalent of one-fifth of
the value of his house and lot, then
he can be assured of owning his home
outright in 20 years or less, and at a
comparatively low cost Of financing.
The Federal Government, in at
tempting to lay the foundation for
a permanent, stabilized residence
buying plan, national in scope, is
seeking to bring about greater Sc
curity for the American home, more
widespread home ownership. and far
reaching reforms in the field of home
finance.
20 Per Cent Equity.
Starting out on solid ground. its
plan requires the purchaser of a
home to have an equity of at least
20 per cent of the appraised worth of
the land and Improvements before
stepping to his assistance with its
mortgage insurance system.
The whole program, of course, is
predicated on the utilization of pri-
vate capital for financing home build
ing. The Federal Housing Admins
tration simply insures mortgages that
are held by private financial institu-
tions. No mortgage is eligible for
insurance if it exceeds $4,000, and
it must be the first and only mort
gage on the home. This means that
only homes costing $4,000 and less
can be financed under the plan. On
new home mortgages, the maximum
interest rate allowed is per cent per
annum, with one-half of l per cent
added for insurance and another one
half of l per cent permitted for serv-
icing the mortgage.
Hypothetical Case.
Here is hypothetical case of how
the plan would affect a home buyer
purchasing home appraised by the
Federal Housing Administration at
$4,000: First of all, his down pay
ment" must be at least $4,000. If he
has lot worth $4,000 and wishes to
Evening star., 1934-11-17

ordinarily gives his service gratis
when, by this very contribution, he Is
depriving fellow members of his pro-
fession of an opportunity to make
q decent living.
"It goes without saying that not
only has the doctors practice been
cut to a fraction of the normal vol
ume, the amount Of his reasonable
fees been reduced by disastrous-and
often neutrality-suspicious., but
after he performs his professional
service he is by no means certain
of collecting what Is due him. The
hazards Of collection in this particu-
lar field have been greatly increased.
For some reason, too many people
have the feeling that the doctors
bills are the last to be paid. And, the
average doctor Is not enough OF q
business man to know how to deal
with that unhappy situation. When
times were good, he permitted his
patients to pay pretty much at their
convenience. When times are bad.
he has the quite logical apprehension
that attempts to enforce collection
will ALLEVIATE the good will upon which
future patronage depends"
Evening star., 1934-11-17
PANEL SCHEME CHEAP

Paneling the fireplace wall of a
living room-a Colonial practice now
popular with architects-may be done
comparatively inexpensively as part
of the home renovation program. It
may be sheathed. for example, with
tongue and grooved boards, arranged
in random widths and placed upright.
Leaving the wood in the natural tone
vanishing and waxing it, is one effec-
tive procedure; or it may be painted
to harmonic with the rest of the
wood trim in the room.
Evening star., 1934-11-17
LOANS ON REALTY
LURE Of MONEY
Investors Reported Not So
Anxious About Purchase
as Lending.
Epecial Dispatch to The Star.

Bpeclal DlSpdICn 10 Inc otdl'
CHICAGO, November 17.-Investors
are more anxious to place their
money where it will finance real es-
tate loans than they are to invest
1t in real estate direct at the present
juncture, it appears from the reports
which managers of State leagues OF
building and loan associations are
making to their national organiza-
ton, the United States Building and
Loan League.
I. Friedlander. Houston, Tex, pres
ident of the United States league,
reports that at least two-thirds of
the States see a definite improve
ment in new money coming into the
building and loan associations and
in the willingness of the existing
shareholders to keep their money in
the associations. Most of the other
States see a similar improvement
most likely in the near future. To
date the demand for loans on the
part of those investing in property
has Jagged behind, the State league
secretaries say.
Encouraging Statements.
"The encouraging statements range
all the way from those setting forth
that investor attitudes are more IA
vorable than they have been for sew
eral years, to those who state con-
servatively that a considerable num-
Der of associations are operating on
a normal basis" said Mr.. Friedlander.
Especially significant is the news
from one State that three -fourths
Of the shareholders to whom the
associations issued checks retiring
their stock upon maturity reinveSted
the money in the same associations.
Another tells of the increase in the
savings accumulation of its members
to the point where the average in
vestor has s80260. Another favora-
BILE angle Is the report that former
savings shareholders who had had
their shares repurchased in time Of
need are returning with new invest
ments.
There is definite evidence that the
problem of the shareholder wishing
to liquidate his building and loan
holdings by getting the shares repur-
chased is no longer a ajor problem.
Associations cannot be said to be op-
Grating on 100 per cent normal basis
in this regard in all of the 10,727
communities where they operate, but
by and large they are conquering the
problem.
Dearth of Loan Demand.
Prom State after State comes the
evidence Of dearth of loan demand.
Several of them tell us that the asso-
Citations are pretty generally advertis-
ing for loans. and not more than one
or two report an active demand for
mortgage money, that being confined
in all instances to some sectors of the
State.
while we cannot yet say that new
investors are flocking to our doors,
We are definitely encouraged by the
signs that they are beginning to bring
in their small and large sums just as
they used to. BY this method we are
building up substantial source of
sound credit for the financing of the
real estate investments which people
will begin to make in 1885,
The report from Washington read
as follows: Conditions in the Dis
trict of Columbia so far as building
and loan is concerned are still favor
able. During the first six months of
the year 6,057 new accounts were
opened by our associations"
Evening star., 1934-11-17
TAX SALES IN BALTIMORE
Only 316 Pieces of Property
Actually Change Hands.

BALTIMORE, November 17.-So far
this year the city collector has held IL
tax sales for non-payment of taxes.
While $500 pieces of property were Sc
lected for sale and 1900 advertised,
only 3l6 pieces were actually sold at
auction. The 316 properties sold were
described as follows: Improved, 297;
vacant lots, 19; good condition, 90;
fair condition, 1877; bad condition, 80:
occupied. 167; vacant, 1870; occupied
by owner, II; redeemed, Is
Evening star., 1934-11-17

under the Housing Administration
plan, the unpaid principal would in
this case amount to $2,796. On the
other hand, were the home being pur-
chased on a typical first and second
mortgage plan, he would still owe
approximately 5000 at the end Of
Is years.
The insurance feature Of the act
is one to which the purchaser of a
new home, as well as home owner
refunding his mortgage, should give
due consideration.
Each insured mortgage will be
grouped with similar mortgages of
corresponding maturity and substan-
TALLY the same degree of risk The
premiums Of each group will be &C
cumulated in separate fund for that
group.
Out of these funds must be paid
the insurance losses and the ex-
penses of operating the insurance
program Of the Federal Housing Ad-
ministration, for the mortgages in
each group. When, after deductins
these, the credit balance for the
group exceeds the unpaid principal Of
all the mortgages in the group by
10 per cent of the accumulated prem
iums, the 10 per cent will be put
into q general reinsurance fund and
the rest will be used to retire all
the mortgages in the group. Earnings
Of each group are accelerated. Of
course. by investing and reinvesting
the accumulated premiums.
Thus the mutual insurance plan
might result in paying up the mort
gage in advance of the final ma
turity date, under which circum-
stances the home owner would save
the payments originally scheduled
for this final period.
Evening star., 1934-11-17
Paint Scheme Curbs Stains.

When painting the floor of the
basement, it is sometimes a good
idea to paint the side walls the first
six or eight inches above the floor
the same color as the floor. This
keeps the lighter wall above from get
ting dirty and splashed during any
floor cleaning process.
Evening star., 1934-11-17
Steel Wool Erases Spots.

To erase stubborn spots or pencil
marks from painted walls or furni-
ture. rub lightly with fine steel wool
moiStened and well covered with soap.
Then, with damp cloth held in the
other hand, quickly clean of the soap
and dirty water before it has time
to dry
Evening star., 1934-11-17
WOOD PRESERVATIVES
HELP SAVE HOUSES
Timbers Likely to Rot Away if
Damp-Chemicals Preserve
Life of Homes.

Under damp or ill-yentilated condi-
tions, the finest of building timbers
are subject to decay by fungi which
fasten upon and destroy wood.
Some woods resist this attack better
than others. However, the heartwood
of any sort of timber is the most i'm
pervious, and science has intervened
to protect those timbers which are
less hardy.
In general. those parts of a frame
structure which are exposed to mois-
ture should be treated with standard
chemical wood preservatives, of which
there are several good ones. This ap-
plies especially to sills, floor joists,
and foundation posts on columns. The
caves which support the cutters, ex-
posed windows. steps and porches. and
other extensions not built over the
basement, are other susceptible parts
requiring this special treatment where
permanence Is required.
Evening star., 1934-11-17
Financing of Ne,u Residence
Under Housing Act Explained
First of Series of articles for PrOspec.
the Home O,Uners ShOWs 20 Per
Cent of Cost Must Be in Cash.

This is the first OF series OF
articles 1Uritten expressly for The
Star to acquaint its readers ,Uith
the home purchasing provisions OF
the national housing act. recently
announced by the Federal Housing
Administration. Toddy'S article
deals tUith financing neW home.
The second toiH appear merit Sat-
urday.
Evening star., 1934-11-17
Four.Edged Kew Lock.

A new cylinder lock has four sets OF
pin tumblers. is opened by a four
edged key, each edge operating a sep
arate set OF tumblers. It's said to
balk even the best burglar.