davidaulloa/AmericanStories huggingface dataset:
Evening star., 1935-07-13
MORTGAGE RISK
REFUND|NG BEGUN
Premiums in Excess of !
Per Cent Within Scope
of Task.

The task of refunding all insurance
premiums In excess Of half OF per
cent paid by mortgagors under the
mutual mortgage insurance plan of
the Federal Housing Administration
was begun this week, Acting Federal
Housing Administrator Stewart Nc
Donald announced today.
This procedure is authorized under
new administrative rules and regula-
tions governing the issuance Of mu-
tual mortgage insurance, made pos
sible by the national housing act,
which specify that insurance pre-
miums on all classes uf mortgages are
reduced to one-half of 1 per cent
per annum of the original face value
of the mortgage. and this regulation
is made retroactive"
Premium Charge.
Heretofore on certain classes OF
mortgages submitted for mortgage in
Surance, a premium charge Of per
cent has been levied, based on the
original face amount of the mort
gage. For example. OH $4,000 mort
gage, the charge was $40 year. The
new regulations. under such circum-
stances, will permit a refund of half
the amount paid to date, which will
be applied as credit on future in
surance premiums.
Premiums on mortgage insurance,
under the new regulations. will be
payable on the date The mortgage was
insured, rather than on July ! Of each
year, as heretofore.
The purpose of the mortgage In
surance, and the manner in which 1t
operates, is described by the admins
traitor as follows:
Each insured mortgage Is grouped
with similar mortgages Of correspond
ing maturity and substantially the
same degree Of risk. The premiums
Of each group are accumulated In a
separate fund for that group.
Insurance Losses.
"Out of these funds must be paid
any insurance losses and the expenses
of operating the mortgage insurance
program of the Federal Housing Ad-
ministration. When, after deducting
these, the credit balances for the group
exceeds the unpaid principal of all the
mortgages in the group by 10 per
cent of the accumulated premiums.
the 10 per cent will be put into a
general reinsurance fund and the rest
will be used to retire all the mort
cages in the group. Earnings of each
group are expected to be accelerated,
of course, by investing and reinvest-
ing the accumulated premiums.
Thus the mutual mortgage lnsur-
ance plan might result in paying up
the mortgage in advance of the final
maturity date. under which circum-
stances the home owner would save
the payments originally scheduled for
this final period"
Evening star., 1935-07-13
BANKS SOLICITING
FILA. HOME DEALS
Applicants for Insured
Mortgages Sought Out
for Business.

Banks In New Jersey. Delaware and
Pennsylvania are quick to contact
those who obtain Feueral Housing Ad-
ministratior approval on insured
mortgage applications, according to a
report received here from Arthur
Walsh, director OF the region.
Walsh stated that numerous banks
have requested names of applicants
for insured mortgages to whom tenta-
tive commitments have been issued by
the local insuri1g Office of the Federal
Housing Administration.
Applicants in turn report" Walsh
said, that as soon as they have re-
ceived favorable action by the ad-
ministration, they often receive letters
from as many as eight banks asking
for the business. Apparently approval
Of a mortgage by the administration
makes the home oHIer a person much
sought after oy the banks"
Hailed as Significant.
Commenting CT Walsh's report.
Acting Federal Housing Administrator
Stewart Mcdonald said:
This is only ole Instance TO indi-
cate that the banks OF the country
consider insured mortgages sound in
vestments. When a bank or banks
make concerted efforts To solicit busi-
ness, the significance IS obvious.
We have received other indications
OF favorable reaction" he said, Ito
the establishment of maximum in
terest rate at 5 per cent per annum
for all classes of mortgages, together
with one-half Of l per cent service
charge and one-half of l per cent
mortgage insurance charge. Under
the revised regulations, however, any
financial institution approved as q
Evening star., 1935-07-13

provides a sane intermediate medium
through which to re-establish the ur-
ban community. Holding slum clear
ance to be the "end product" of a
series of unfortunate, though partially
inevitable processes, Mr.. Wright be-
lieves the next epoch will be largely
one of conservation, not of further
expansion.
If, misled by land spectators, we
embark once more either upon riotous
expansion or upon mistaken model
tenement policies of congestion. we
may end with not enough people to go
around" Mr.. Wright explains. We
cannot permit sentiment or pity to
blind and divert us from our perma-
nent aims. What benefit is there in
'slum clearance If the method adopt
ed is such that the money is all
spent at once and the city further
impoverished?
Not only can nothing further then
be done, but we shall have insured
the growth of whole square miles of
new slums. where at present the blight
is still controllable.
Materials and Methods.
New materials and construction
methods have created an entirely diff
ferent concept of the structural rela-
tionship within the building bulk, one
which is indeed revolutionary in char
acter. Mr.. Wright points out. The
building evolution of past centuries
has been uniformly tied TO the concept
of a building technique based upon
bearing walls supporting the floors of
the building.
I'VE have now reached the stage
when this is entirely reversed, and We
are ready to build almost unlimited
horizontal floor spaces OF reinforced
concrete, resting upon widely spaced
small supporting columns, adjusted to
household rather than warehouse
loads, by which the outside walls. as
well as most of the interior partitions.
are left TO be filled in ad lib without
any permanent or restricting relation
ship to the basic structure.
This leads to the conception of
basic space organization in almost
limitless horizontal areas which will
then be walled in from the elements
and divided off into rooms and other
useful areas, including projecting bal
comics and the utilization of roof
spaces, more or less at will, of no more
permanence than may be desired"
The greatest drawback to carrying
on a large program of rehabilitation
is the general lack Of appreciation of
the problem in both its requirements
and possibilities. Mr.. Wright continues.
Desirable results. he says. can be OBJ
tained within the limits Of the existing
Evening star., 1935-07-13

by the housing admins
tration may charge a lower interest
rate at its own discretion.
Banks have also shown interest
in the revised regulation which guar
antees the bank or other lending in
stitution against loss of interest on
a defaulted mortgage from the time
foreclosure proceedings are instituted
to the time the property Is turned
over to the Federal housing admin
istrator. This change is significant as
in many States where moratorium
laws are in effect, several months
may elapse between the institution
of foreclosure proceedings and the
final act Of foreclosure.
with such favorable reactions be-
ing shown by banks within a few
weeks after the revision of our mort
gage insurance regulations, we feel
confident that the next few months
will show definite increase in the
amount of insured mortgage business
handled by lending institutions of the
country" Mr.. Mcdonald said.
Evening star., 1935-07-13
Heating Plant Financing.

Leading heating contractors have
announced a special Summer finance
plan to stimulate business during the
warm months. Under the terms of the
plan a home owner may have a new
heating plant installed or an existing
plant repaired, but will not be called
upon for any payments or finance
charges until the heating season be-
gins in the Fall.
Evening star., 1935-07-13
GROWERS TO MEET
Maryland Fruit Men to Hold Ses-
sion at Smithshurg.

Orchards near Smithsburg. Md,
have been selected as the location
for the annual Summer field meet
ing of fruit growers of the State,
which will be held August 16, &C.
cording to Albert F. Vierheller, secre-
tary of the Maryland State Horti-
cultural Society, who is in charge
of arrangements. This event. which
is sponsored by the Horticultural
Society with the cooperation of the
Extension Service, has long been a
custom of Maryland fruit growers,
Mr.. Vierheller states, and orchardists
from nearby States have been invited
to attend and Join in the discussions
OF fruit growing problems.
Evening star., 1935-07-13
Effective Ceramics Setting.

In a cleverly conceived penthouse
high above New York. an effective
setting has been contrived for rare
collection of Tang and Ming ceramics.
The living room walls are painted to
simulate light, waxed pine. The
inches on each side of the fireplace,
containing decorative Chinese figur-
ines, are marbleized a pinkish brown
and gold.
Evening star., 1935-07-13
Floors Need Refnishing Often.

Floors are subject to hard wear and
tear. Frequent refinishing Is, there
fore, necessary and regular renova-
ton costs less in the long run. At
the first sign Of paint impairment or
the wearing of varnish, the floor
should be given a new coat of finish.
Evening star., 1935-07-13
5000 Natives Added.

Three thousand natives have been
added to the police force of South
Africa.
The Daily Alaska empire., 1935-12-10
MEMS SHIRTS

MEMS SHIRTS you're dlwdys sdfe if you give shirts! Fine fabrics. all with the new wiltless col ldrs. >Pldin White and pat terms.
The Daily Alaska empire., 1935-12-10

MEMS ROBES practical blanket r 0 b e s for the practical mdn. Choice of blue. green, maroon and qrdy patterns. Full cut, exc II Y tailored throughout!
The Daily Alaska empire., 1935-12-10
BELT 6 BUCKLES

inc coWhide leather belts with a s ste rlin 9 silver b c k l e monogrdmmed with his initidl. A person dlized gift he will thdnk you forl
The Daily Alaska empire., 1935-12-10
MEMS GLOVES

W q s h q b 1 e pig s k in, mocha, cope and suede gloves, lined and unlin- ed, slip-on or snap styles. Another gift thdt's sure of q worm welcome!
, 1935-01-31
Valley Scouts
Outline Year
OF Activities

MERCEDES. Jan. 81 Eleven
hundred Valley Boy Scouts. under
the leadership Of So LOYAL scout
masters and assisted by some 400
other scouters. are making plans
for celebrating the Silver birthday
II grand style, according 70 John
Leslie, scout executive on Mercedes.
r. E. Eubank. Of Harrington Is the
new president OF the Lower Rio
Grande Valley Council. A special
committee consisting OF Scout Com
missioner Walter Bach. Weslaco,
vi. q. johnson, Harrington. and
Glenn Tussing. San Benito. has
outlined and submitted 70 all dis
tTicts q program OF events that will
be followed through each day or
the anniversary week, Feb. 8-l4.
The week marks the beginning
OF q year of celebration that will
climax In the National Jamboree IN
Washington, the last no days I'm
August The Valley will be permit
ted To send one scout from each
unit. a total Of So. approximately
$4,000 scouts viii camp for 10 DAYS
under the shadow Of the capitol.
President Roosevelt, N Sc0uter or
many years standing. issued the
invitation and win be a guest or
honor during the Jamboree.
"A special Jsmboree committee
has been appointed for the Valley,
according 70 Eubank, consisting Or
Robert l.. Lyon, Edinburg, chair
man: Harry Carroll, San Benito:
DR.. r. X. Utley, Harrington: Dale
, 1935-01-31
Wind, Rather
Than Freeze,
Injured Fruit


HARLIE9EN Jan. 81 winds
which Dew citrus fruits about and
bruis ID them were given more
bAame for damage than the recent
low temperatures by Hart +. Lon
gino. supervisor Of the Texas-Fed-
eral inspection service, who left
for F5Fida wednesday with L. Al
Pratt OF the state green fruit law
enforcement organization.
mo dryneSs OF the flesh Is show
ing mp ms a result of the low tenn
peratlres and ! doubt that we will
have very much" said Mr.. LOnRino.
Nevertheless the inspection SER
vice will make It's inspections con-
form with the requirements of the
pure foods and drugs act 50 that
no inspected cars will be seized In
the markets. With several thousand
cars still TO move, every precaution
will be taken 50 that they meet all
requirements before leaving the
Valley. MI. L0ngino stated.
III more than Is per cent of the
fruit Is sound with more than 20
per cent OF its pulp distinctly dry
and open, II IS considered unfit for
human consumption by the pure
foods and drugs department which
has seized some Florida fruit since
the freeze.
u. s. No. / grade permits one
fourth inch Of dryness at the stem
end or It's equivalent In other parts
OF the fruit. y. s. No. 2 permits I'D
to half an inch Unclassified fruit
Is not being permitted to move I'M
der marketing agreements but
there Ia q possibility that this re-
striction may be lifted IN Florida.
Inspectors are cutting seven
specimens OF each size fruit IN
Florida to determine the percent
, 1935-01-31

SAN BENITO. Jan. 81. - The
Lower Rio Grande Valley Osteo-
pathic association held its regular
monthly meeting recently In the
office OF DR.. Jacobine Kruze, San
Benito.
Dr. A. O. Scharff Of McAIlen re
ported on the Osteopathic Clinical
conference I'm Dallas In December,
Recently-elected officers OF the
association are: president. DR.. A. l.
Kline, Mercedes: vice-presicent, DR.
L. II. Layne. Mission. secretary
treasurer Dr.. Mabel r. Martin,
Weslaco.
The February meeting Of the as
ISOLATION win be held In Harlin-
gen.
DR.. II. G. Sample OF Brownsville
was In attendance.
, 1935-01-31

SAN BENITO. jan 3l.-W. A.
stigIer OF the state department OF
education. Is expected to be one or
the speakers at the meeting Of the
Valley Superintendent. Principals
and Glass Room Teachers associa-
ton. 10 be held here Tuesday night.
February In. according TO Super
intendent .. T. Davis.
He lis I'm charge of the c~urricular
revision work IN the state and that
Is expected 20 be the tonic OF his
talk. There also win be other speak
ers on the program which A. being ar
ranged by Supt. +. G. Mcconnell Of
Weslaco. Mrs. Ware az EdinburE,
president OF the classroom teach
ers division. also Is preparing q spe-
cial program
, 1935-01-31
.UNEMPLOYABLE
TRANSFER LACS|

tcopyright. 1885. Nv the APP
WASHINGTON. JAM a1.-The
federai government. an authorita-
tive source disclosed Thursday. has
called "A temporary halt in its drive
to return 'unemployables" now r.
naming on It's relief rolls back 10
the care or states and localities
Although FERA officials said the
goal Or their campaign ~ in sight.
N was Indicated officially that the
aged. crippled and other 'unem-
pl0yables" still left ON the rolls would
be allowed 10 remain there until
after President RoOsevelt's social
security program KS enacted.
Last month. Harry r.. Hopkins.
emergency relief administrator. said
he would seek 20 remove I'll 100000
'unempl0yable" families from the
federal rolls to state and local care.
The first deRdline mentioned was
February L. Friday-but later II was
indicated t1e transfer would be ~
more gradual process.
The campaign thus has been pro-
crossing several weeks. Now, off,
Gals said Thursday. only 10000
families In this classification nfe
wholly dependent on the federal
dole. Statistics On how many nfe
partly dependent were not announc-
Cd.
FERA officials said that after the
presidents security plan = passed,
the old nGe pensions and aid to de-
pendent children provided In II vii
care for the majority OF unemploy-
abieS.
They said also that the s8sO.0Oo.-
600 for relief i'm the 44680 100000
work and relief bin nov before con-
Fress win helm provide for unemplov-
ables until the states. aided BY the
social security program. can assume
the burden. Another function q this
sB80.O00n 900 IA co help provide for
nble-hodied jobless while the gov
eminent n swinging through It's
transition from dole TO work relief.
, 1935-01-31
DIPLOMA AND
AUTHOR DIES

NEW YORK. Jan. 31.-P-Ric-
hard Washburn Child. attorney.
writer and former ambassador TO
italy. died NJ bis home early Thurs
cay from pneumonia
Child, who was 54. caught cold
several days ago and the cold de-
veloped into pneumonia. He was
named ambassador 70 italy Ivy
President Harding.
The funeral. 1t was learned. viii
be held Saturday Interment viii be
at Newport. n. Z.
Richard Washburn Child was an
author as well as q diplomat.
His collaboration with Premier
Benlto Mussolini in 1927 Oh the
Italian leaders autobiography serv-
ed TO bring him to the attraction
OF another set OF l~iterati, those on
the continent.
he went from the post or editor
of Golfers Weekly. which he held
tn 1915, 10 that OF ambassador 70
Italy where he served from May,
1921, 70 February 1924. In 1922 he
was the chief representative Of the
United States It the Genoa and
Lausanne conferences.
An ambassador serving under
republican presidents, he bnlten the
party IN 1882 70 lead q league OF
Roosevelt republicans which work
ed for the election OF FRANKLIN d.
Roosevelt as president.
italy decorated him with the
Order OF st. Maurice and 81. Lag
arus and with the Order Of the
Crown or italy.
He summarized his European
diplomatic experiences I'm 1925 In q
hook. "A Diplomat Looks at Eur
ope."
Born In worcester, Mass. Aug. 5.
1881. Child attended Harvard Uni
versity which i'm 1924 added 70 his
academic degrees the honorary
degree or doctor OF laws.
He was admitted 70 the bar IN
1905. coming first to national notice
during the World war when he
worked as an assistant 10 Frank A.
Vanderllp in war finance work IN
the ~. =. treasury.
Five of his volumes we're pub
Eshed before then. the first. Jim
Hands," In 1910. The others were
The Man In the Shadow. The
Blue wall" Potential Russia" and
~Bodbank."
Among his later works Were Bat
ting the Criminal" and Writing on
the wall" In 1923. and the Pitcher
OF Romance IN 1890 Child also
contributed TO numerous magazines
fiction and articles on public ques-
tons.
, 1935-01-31

my mother was such n believer
I'm Cardui that she gave It to me-"
writes Mrs. sam Ferrara. Df HAM
mond. La. Il was suffering Nth
nv back and side. 7 would get so
dizzy 4 could hardly stand and
then have q weak feeling III my
back. This made me very nervous
and 7 did not rest well at night.
* felt better after my first bottle
of Cardui. I took two bottles and
felt N great deal better. XIV GER
tainiy is a fine medicine"
Successfully used over fifty years.
Thousands of women testify Car
dui benefited them. III ~ does not
benefit YOU. consult On physician
, 1935-01-31
Townsend Backers AT
Harlingen VIII Meet

t1peclhA W Inc herAtul
HARLINGEN. Jan. 31.-A per-
manent organization Is expected 10
be formed by proponents of the
Townsend cid age pension plan at q
meeting called for Friday night at
the city hall.
"A temporary organization recent
~ was formed with j. /. Coursey as
chairman and w. w. Lyles. secre-
tary.
Thousands or Valley residents have
signed petitions asking that con-
gress adopt the plan which provides
for a monthly payment OF $500 20
those 90 years or older with the pro-
vision that the sum be spent within
a month, thereby creating prosper
itv.
, 1935-01-31
MISCELLANEOUS DATA


BarOmetric pressure increased
somewhat over Idaho and the pla-
teau region and changed little over
the balance Of the country since
Wednesday morning. Fair weather
and seasonabIe temperatures con-
tinned. therefore, practically
throughout the country. though light
rain occurred over the middle Rio
Grandc valley Cat Del Rio and La
redo) dring the last "a hours
Brownsville 3 q. m. (EST1 sea-
level pressure s0.29 inches.
, 1935-01-31

age OF dryness and this procedure
VIII be followed In the Valley.
L0ngino said that he wished to
see conditions OF the groves In
Florida, the fruit and see how cert
~ifscation Is being handled. Pratt
viii interview Florida officials con-
corning green fruit law problems.
They will be gone about ten days.
, 1935-01-31

las o. Foreign wars, were
&tg approval By members
Texas Council .of Admins
Alton At q recent WV meeting at
Dallas "A. w. plgott Of Brownsville,
who attended the Dallas meeting.
states.
Both proposals OF the Brownsville
organization were referred to the
committee OF national defense and
will be introduced before the pres
ent sessions of congress and the
Texas legislature, pigott declared.
pig0tts who lS State Senior Vice
Commander OF the Veterans OF For
elgn Wars. also la chairman Of the
council. Other members OF the
council are q. wv. Anderson o. san
Antonio. T. T. Wlseman OF II Paso,
Pat Kbeton OF Dallas and r.. IN.
Bleedin Of Houston.
"A sum OF 5000 annually for the
operation expenses and fuel for an
Eagle boat TO be used In train
Ing purposes In event the Browns
vile organization Is successful In
obtaining q naval reserve unit. will
be asked OF the legislature. Pigott
declared.
The resolution from the Browns
Vile Veterans OF Foreign Wars,
which was presented at the Dallas
meeting. follows:
Whereas: Brownsville, Texas. has
no unit Of the United States Naval
Reserve Communications, and
Whereas: many OF our young men
desire the training accruing from
membership In such Naval Reserve
Unit, and are willing TO give time
and talent to this study: and
Whereas: Brownsville needs this
communications service, and Is
ideally situated for communications
relay. being approximately midway
between the Atlantic and Pacific
oceans.
Therefore be 1t resolved BY
Brownsville Post No. 2035. IN reg
ular meeting assembled. this che
18th dav Of January, 1885. this the
Department Council Of AdWiiistra-
ton be requested TO pians this res
oluti0n before the Nstional Legis-
Iative Committee a. Veterans Of
Foreign Wars, and requesting that
such steps be ta en- as win impress
upon the mar department the
Importance q fully manned and
equipped Naval Communications
Omit at Brownsville; and that the
assignment OF an Eagle" boat for
instruction purposes be effected;
and that the Department OF Texas
solicit the governor and slate legis-
lnture for state recognition OF the
Brownsville Naval Reserve Unit
and assume the cost OF fuel and
, 1935-01-31

Pagan. Donna: c. J. Thompson.
McA1len: and walter Bach. Wes-
laco. Special valley-wide events
which are under way win include
a Scouters Pow Wow at Camp
Perry, near Rio Hondo. on FEB.
16. AE1ual Council Ca4np0ree and
Field Day I'm May. Summer Camp
Sessions ~ Camp Perry In June
and July. and Annual Sea Scouts
Cruise In June.
The Anniversary Week program
viii be as follows:
Feb. g. Anniversary night. viii
open with q national broadcast over
both systems IN which President
Roosevelt win make the address.
One million scouts and ScOuterS win
n-dedicate themselves 70 the Scout
oath and laws. as part OF this pro-
gram
Fcb. o-scouts win do civic good
turns or take hikes inviting IL
year-olds to 20 with them.
Feb. l0-Scout Sunday. Scouts I'm
uniform viii attend services ~ the
morning and In the evening will
attend q special scout service nc
some church. Good turn pins win
b. given out ri morning services.
Feb 1i--Scouts and school day.
Special essnss and program TO be
held In schools.
Feb. 12-Pioneer Day, Lincoln
birthday celebrations
Feb. biscuits and home day.
NEUTRALITY-SUSPICIOUS.. mother. meet
ing In the afternoon.
Feb. 14-Citizenship day. delega-
tons OF rs scouts TO call ON mayors
OF the city TO offer services or the
scouts 10 the city during 1888: each
town viii also have special events.
demonstrations and programs.
LEAVES HOSPITAL
Especial 70 The Herald
HARIIEGEN-Mrs. George Hard
eman left the Valley Baptist hos
uitnl Wednesday.
, 1935-01-31
THE T

East Texas least OF Tooth meTi-
diam: Cloudy Thursday night and
Friday, PROBABLY with showers IN
southwest portion warmer In ex-
treme east portion Thursday night.
Light to moderate mostly easter
Is winds ON the coast.
, 1935-01-31
BULLETIN

CFIrst figures lowest temperature last
night: second. highest yesterday; THIRD
vim velocity &C 3 q. m. fourth. prec-
Imitation tn last ~ hoursl.
, 1935-01-31

High and low tide at Point Isabel
. Friday, under normal meteor
illogical conditions:
High 4.4I p. IA.
Low I'5S a. m
, 1935-01-31

LEAWEb HUSFNlNL
Especial TO The Herald
HARLIEGEN-Mrs. George Hard
eman left the Valley Baptist hos
pital Wednesday.