davidaulloa/AmericanStories huggingface dataset:
Evening star., 1936-05-23
FIJI. A. MEASURES
MORTGAGE RISKS
Underwriters Manual OF
Agency Hailed as Most
Accurate YardStiCk.

Details Of the Federal Housing Ad-
ininistration's technique for measuring
the degree of risk in mortgages
eligible for insurance under terms Of
the national housing act, are in
corporated in the Federal Housing
Administration Underwriting Manual,
the second printing of which has just
been completed.
The system has been widely accepted
as a major contribution to mortgage
lending practice and has been hailed
by lending institutions and the real
estate men as one of the most ac-
curate yardsticks yet developed. It
Is the joint work of Frederick M. Bab-
cock, chief of the underwriting section,
and Miles L. Colean, technical direc-
tor, Federal Housing Administration,
both recognized authorities and mem
bers of the underwriting staff.
The mortgage risk rating system,
with which the Underwriting Manual
deals in minute detail, Is the process
Of thoroughly analyzing the mortgage
factors of risk undertaken in the max
ing of a mortgage loan and rating Of
the mortgage in accordance with the
risk involved In the loan transaction
or in connection with the insurance
Of a mortgage.
The housing act prescribes certain
eligibility requirements, including:
/. The principal Of the mortgage
cannot exceed 80 per cent Of the ap-
praised value established by the Fed
eral Housing Administration.
2. The mortgage must be completely
amortized by monthly payments on
the principal.
3. The mortgage must not have a
maturity date in excess of 20 years,
4. The monthly payments may not
be in excess of the mortgagor's rea-
sonable ability to pay.
S. The projects with respect to
which the mortgage Is executed must
be economically sound.
Determination of the last point calls
for careful use Of the mortgage risk
rating system. It is true that If all
the applications received by the Fed
eral Housing Administration were fol
the full 80 per cent of the appraised
value and for the full term of 20 years
a large part of these would have to
be rejected, officials said, because
only mortgages which are found to
be economically sound are eligible
In general, according to the manual
new construction of good quality
properly located does qualify for the
full 80 per cent loan. In cases where
the property. the location and the
borrower Of the mortgage money are
not in correct balance according tc
the system of risk rating, the Fed
eral Housing Administration is not
in position to insure a full 80 per
cent twenty-year mortgage, but may
still approve the application in part
since the underwriting procedure by
which eligibility is determined, pro-
Wdes method Of avoiding reflections
by insuring loans for lower percent
ages and shorter periods of time.
Copies of the Underwriting Manual
are available to lending institutions
and individuals on application to
Washington headquarters Of the Hous-
ing Administration.
Evening star., 1936-05-23

chrysanthemuns. dahlias, zinnias and
other rapidly growing plants will
cause them to send out side branches
and develop the stocky form that is so
desirable. Sometimes it takes courage
to snip out the leader Of nicely grow
ing plants, but it Is the only way to
suppress rampant growth. Stalking win
not be as necessary in disbudded
plants.
The foliage Of most roses is reddish
in color when the leaves first emerge,
but there is a variety with red foliage
throughout the season. One could
have an interesting garden of red
Evening star., 1936-05-23
Natural Beauty Sought.

In choosing woodwork Finishes,
natural beauty should be retained
whenever practicable. A wood which
Is In itself beautiful and well matched
for color and grain, may be given
q varnish finish II the room scheme
permits. inexpensive woods, or any
woods that have been poorly selected,
are generally given q finish Of paint,
enamel or lacquer. Any one Of these
provides smooth and attractive
opaque coating.
Evening star., 1936-05-23
Clean Brushes First.

Brushes that have been used In
metallic paints should be washed out
clean with turpentine Immediately
after using.
The Waterbury Democrat., 1936-05-26
SOCIALISTS ARE
 | ALMOST READY
Completing Platform To-
 day-NOrmlan Thomas Will Lead Again

Cleveland, May 26 = (UP) = The socialist convention worked today to complete the platform on which Norman Thomas will make his third campaign for president of the United States. The first draft of the plat form, calling for public ownership of the nations key industries and congressional control over agricul- trre and industry, was brought to the floor yesterday bearing approval of the resolutions committee. It was returned to committee, however, to permit consideration of Q minority report. Eight major provisions Of the original document are expected to be intact when 1t is returned to the floor.
 Thomas, socialist standard bearer in 1928 and 1882, was selected to lead the party again by virtual ace clamation. In his acceptance speech last night, he thanked the conven- ton for "a great and sobering honor" and pledged militant cam paigil against "the massed resources of republican captains of industry" and the political power and the public purse in the possession of the derhocrats." George A. Nelson, Wise, who wasn't well enough fixed fi- nancially" to get to the convention, was selected as Thomas running mate. He is a "dirt" farmer and on of the original Yukon 'Sour. doughs." .a8.
The Waterbury Democrat., 1936-05-26
NEW HAVEN ROAD HIS NO STRIKE
Element of Threatened Trouble Was Affected at
 Conference Today

Nsw Haven, Conn, May 2o- NuP) Settlement of c threatened stfiks of firemen and enginemen 0f tho New York, New Haven @ Hartford Railroad was announced today following . conference of taiIroad and union officials. A npokegInan for the railroad a1l- ai0tnced Q settlement was reach- Bd by which Q firemen will be used Dn each Diesel electric engine, inc nluding the Comet" (operating be- tween Providence and Boston,. No deolsion was reached aS to wether the same two-man operation would Mpply to the ten new Disel engines which the railroad will receive shortly.
 Question Left Open
 'sThis question was left open for Eurture determination, on region- nl or national basis" 1t was said. Tiae settlement with the New Haven nystern, 1t was announced, had no bearing on the unions demands mgainst two other major New Eng land railroads. Separate negotia- tions were being conducted. At tending today's conference, the third gince last Thursday, were R. L. Pearson, yice-president and general manager of the road; E. B. Perry, assistant general manager; Samuel A, Boone and James P. Farrell, vice.presidentS of the brotherhood of locomotive firemen and engine- men. and Frank 8. Mahler, general chairman of the brotherhood for aho New Haven system.
The Waterbury Democrat., 1936-05-26

ment officers with whom he is plan- ming the inquiry.
 Governor Frank D. Fitzgerald an- nounced he will demand immediate dismissal of "any state employees who are linked with the Black Lee gion."
 1T will ask," the Michigan chief executive said, that department heads summarily discharge any members of thei rstaffs who proved to be connected with the cult.
 Lupp Is Suspected
 Arthur r. Lupp, Detroit milk in- spector named by police as a brig adler general" in the Black Legion, was suspended by pr. Henry ". Vaughn, city health commissioner.
 "Lupp confessed to us that he preached his racial and religious prejudices while performing his duties for the city," Dr. Vaughn said. Therefore his ideas are not compatible with the health depart- ment and he has been suspended.
 We do not know of any criminal activities in which he engaged but 1t is certain that in his work with farmers and laborers he attempted to convert them to his way of think ing. Although we are not sure, 1t seems possible that he also urged them to join the legion"
 Ku Klux After Legion
 Columbus. O., May 26-(UP)-J. A. Colescott, head of the Ku Klux Klan in Ohio, Michigan, Indiana and Kentucky today offered the services of his organization in the investigation of activities of the Black Legion.
 Colescott said he would ask prose- cutor Duncan McCrea of Wayne County, Mich, to send an investi- gator to Ohio to work with him.
 Might Be True
 Royal Oak, Mich, May 26-(UP) Father Charles E. Coughlin today admitted the possibility that the burning of his Shrine of the Little Flower was incendiary, but said he had no proof that the Black Legion was implicated in its destruction last March 17.
The Waterbury Democrat., 1936-05-26
BLOODHOUNDS ON
 TRAIL OF SLAYER

New Durham, N. H., May 26- (UP) Led by bloodhounds and poe lice dogs, a poSse of 50-heavily armed men today searched thick timberland in the foothills of the White mountains for Q farmland accused of the shotgun staying of his farmerette- employer. Authori- ties secuted a theory that William Holland had committed suicide after he allegedly shot and killed Miss Bertha Wright, 60-yeAr-old sister, in-law of Harvard medical school instruct or, early yesterday.
 Possibility that Holland may have ended his life with the shotgun was considered after neighbors said they heard shots from the woods shortly after Miss Wright was slain. This was discarded, however, after thor. ough search of nearby woods failed to reveal traces of the formhand Investigators said they believed Hol- land was still at large and armed with the gun. They revealed that Holland, an itinerant farmland who worked for Miss Wright sev. eral years ego. was rehired only last week.
The Waterbury Democrat., 1936-05-26
Prices Shot Up1Onrd In SeOeraI Big Issues
Tckers Fell Away Behind Strength in Rails Induced
 Traders to SpIurge in Heavy Buying
By ELMER 0. wALZER United Press Financial EditOF)

New York, May 2e-(UP)-rhe stock market broke out of It's re- cent lethargy with . whirlwind dn- ish today. Prices shot up to more than 3 points. Tickers fell behind. Inspired by strength in rails, traders took courage and bought heavily. Shorts covered. Buying spread to all secticnS.
 American Telephone was whirled up more than 1 points. Case gained more than 3. Allied Chemical jumped { points. Rails had gains ranging to more than 2 points in Atchison. Steel common rose near- ly 2 points from it's low. Consoli- dated Edison led utilities into high- CT territory.
 westinghouse Electric gained more than 3 points. Chrysler approached O0 and gained more than Q point.
 Metal shares were. slow to respond to bullishness. Ccppers were frac- tionally higher but most silvers de- clined.
 Western Union followed AInerI- can Telephone up. Oils picked up after early declines of fractions to . point Following Atchison, New York Central gained more than @ point. Similar advances were noted in Southern Pacific, Southern Rail- way issues, Illinois Central and At- lantic Coast Line. Great Northern preferred and Union Pacific gained more than 2 points.
 Commonwealth 6 Southern fea- tlred utilities in volume, coming out In blocks of 5000 to 5000 shares at 3 to 8 1-0, against Q previous close of 2 7-e. North American and Pulp lie Service rose more than @ point. Electric Power came out In strings ct rising prices.
 Coca Cola rose more than 5 points on short covering. Mercantile issues advanced with Sears Roebuck mak- ing 6 new hign for the year.
 Bonds rose under lead of rails. Grains were featured by a 6-cent drop in May wheat option, which expired today. Most commodities were lower.
 Meanwhile, stock market experts predicted ct least Q temporary end of recent 1ethargy and some anti cipated further gains until various groups were brought into line.
The Waterbury Democrat., 1936-05-26
PRESIDENT IN
 TAX BILL MIDDLE

Washington, May 26.-(UP)- President Roosevelt was called upon today in final effort by senate fi- nance committee members to whip into shape the administrators tax bill.
 At the request of Chairman Pat Harrison of the finance committee MT. Roosevelt agreed to meet with democratic members of the commit tee tonight at 8 p. m., at the White House.
 It was expected that the commit tees draft of the complex and much-revised bill would be sub- mitted for Mr. Roosevelt's approval Final details were being ironed out by the committee today in a last ef- fort to bring the revenue yield oi the measure up to the presidents requirements.
 If the bill Is found to be satisfac- tory to Mfr. Roosevelt tonight. 1t was thought that swift senate passage would be attempted.
The Waterbury Democrat., 1936-05-26
Rep. Zioncheck, With Bride, Cave Neuv Workers Surprise

husband. She urged him on numer- ous occasions to "L.et yourself go". Her favorite night club beverage, she said, was the gin fizz and dur ing the evening she proved it. She wore a lace dress she bought in Puerto Rico where her husband asked the aid of the U. s. marines because Puerto Rico declared war on me-" In judging the beauty con- test, Zioncheck discovered he needed more cups.
 Standing in the center of a night club floor, surrounded by half naked chorus girls and covered with lip- stick from the resounding kisses they gave him, he said: T am simply dumbfounded. I don't know what to do. Why every one of you ought to get one of these damned cups" With that he handed the cup to the nearest blonde. Then he returned to his table and began an unsuccessful attempt to remove the lipstick with a napkin. "You cer- tainly are apretty sight," said Mrs. zionchcck. laughing.
 stlll Going Strong
 The Zionchecks still were going strong when most night clubbers had gone. Zioncheck finally gave up, remaEking: Maybe I'll go down to city hall in the morning and ate tempt to see Mayor La 0uardia. That is. maybe I'll 60 down if I don't have . hangover" Late this morning the Zionchecks still were sleeping. 'The representative can't be disturbed and Tim too tired to taik," Mrs. zloncheck draWIed over the telephone. Tim going back to sleep. Goodbye"
The Waterbury Democrat., 1936-05-26
SIR EDGAR MAY
 DO MOVIE ROLE

Hollywood, May 26-(U.P)-Com- modore Sir Edgar Britten, skipper of the new ocean liner, Queen Mary" if he and the British gov- ernment are willing, may become a motion picture actor, appearing as captain of the new ship. Samuel Goldwyn, having been granted per- mission by the English government to film the ship on its maiden voy- age as background for "Dodsworth" today sought to have Sir Edgar ap- pear in a few scenes.
 The ships captain would appear with Walter Huston in the scenes which would be filmed after the Queen Mary" docks at New York. If the studio is unable to persuade Sir Edgar to appear in the picture, 8 Hollywood actor will play the role of ships captain.
 Harry Perry, rowing cameraman who is making background scenes in Italy, Austria, France and England, will be Q passenger on the "Queen Mary's" maiden voyage to obtain shots of the crew and passengers.
The Waterbury Democrat., 1936-05-26
SHERMAN TO DIE.
 FOR HIS CRIME.
Choir Singer, Scout Lead CT Must Pay Penalty
 for Murder of Wife

Boston, May 20--(Up)--Newell P. Sherman, 27-year-old Sutton scout leader and choir singer, must die iHl the electric chair for the American Tragedy" staying of his young wife. the state supreme court ruled today. Mrs. Alice Sherman drowned in fcg- shrouded lake Singletary in Sutton the night of July % last, and the state charged that her husband pushed her from Q canoe to her death 90 he might wed 10-year-old Esther Magill. Sherman was con- victed of first-degreo murder ct Worcester, Oct. 1 last.
 Full Bench Refuses
 The full bench Of the supreme court, in its decision today, denied Sherman's appeal for Q new trial. Thus the 22O-pound church worker must die in the electric chair unless Governor James M. Clrley grants executive clemency. Main conten- ,tion of defense in the plea for Q new trial was that questioning by state police of prospective jurors de- prived Sherman of his constitutional rights to impartial trial.
 The court, however, in an llnani- nous 17-page decision written by Justice Fred T. Field, ruled:
 That the prospective jurors were SO interrogated would not disqualify them or show that they were biased or prejudiced :"
 we have examined all the as- signments of error set forth" the court stated, land we find them no erroF."
 The shermans had two small children.
The Waterbury Democrat., 1936-05-26
Fnghtful Oath Required From
 Members Joining Black Legion

Detroit, May 26-(UP)-Mem. bers of the Black Legion were required to take the following oath:
 ''In the name of God and the devil the one to reward and the other to punish, and by the powers of light and darkness, good and evil, here under the black arch of Heavens revenging symbol, I pledge and cOnsecrate my heart, my brain, my body and my limbs and swear by all the powers of Heaven and hell, to devote my life to the obedience of my superiOrs, and that no danger or peril shall deter me from executing their orders.
 "That I will exert every possible means In my power for the exter- mination of the anarchist, the communist, the Roman hierarchy and their abettors. I swear that I will die fighting those whose trail has winnowed the fields of our allies and sympathizers. I will show no mercy but strike with an avenging arm 50 long as breath remains.
 q further pledge my heart my body, my brains and my limbs never to betray . comrade and that I will submit to all the t0rtures mankind can inflict and suffer the most horrible death rather than reveal . single word of this, my oath.
 Before violating . single clause or implied pledge to this, my ob- ligation, I will pray to an averaging God and an unmerciful devil to tear my heart out and roast 1t over the flames of sulphur; that my head be split open and my brains scattered over the earth, that by body be ripped up, my bowels be torn out and fed to carrion birds; that each of my limbs be broken with stones and
The Waterbury Democrat., 1936-05-26
ALLEGED WIFE
 KILLER ON TRIAL

wiscasset, Me, May 2e-(UP) - Prosecution of Q middle-aged lob- ster dealer and onetime bootlegger charged with the murder of his at tractive wife began today before a jury of nine farmers and three gem eral store merchants in 112-year-old Lincoln County courthouse.
 The jury which must decide if Rueben Brewer, A. of Boothbay Harbor must spend the rest of his life in prison was completed at a four-hour session yesterday. There is no death penalty in Maine.
 The states case was outlined by county Attorney Weston M. Hilton, e short, stocky man with curly white hair and beetling black eye brows. He pointed out that though Mrs. Dolda Medina Brewer. 35, at first was believed to have taken her own life. a handwriting expert has pronounced a suicide note a forgery and 8 medical-examine has ruled she died from a blow from blunt instrument. Her body was found April l0 on the beach near her home.
The Waterbury Democrat., 1936-05-26

then cut off by inches that they may be food for the fOulest birds of the air;
 "And lastly, may my soul be given into torment; that my body be submerged in molten metal and stifled in the flames of hell, and that this punishment may be- meted out to me through all eter- nity. In the name of God, our creator, amen."
 Before taking this oath, the re. cruit was required to listen to this exhOrtation:
 "The purpose of war is to kill. God himself made it honorable in defense of principle, for, did he not cast Lucifer out of Heaven and relegate rebellOus angels to the share of hell? The love of life can be measured under two con- ditiOns. One is when our sur. rOundings are happy and our att tachments numerous. The other is when our liberties have been sub- jugated, peace destroyed, and everything we hold dear torn from us, love and hope have for- ever vanished. We fight that the former condition may be regained, and we fight because the latter condition leaves no other 0ccu- patton.
 "You have already signified . desire to cast your fortunes with us. By doing 50, remember that our purpose is to tear down, lay waste, despoil and kill our ene- mics. Mercy belongs to syco' plants and emascuIated soldiers. It has no place in . fighters out iiG To us 1t is Q vision repugnant to our obligations and practices. We recognize but one power to separate us in the hour of peril and to succor one another at all hazards. We have pledged our- selves most sacredly and are bound by ties much stronger than honor can impose"
The Waterbury Democrat., 1936-05-26

New York, May 28-(UP)-Rep. Marion Antoni Zioncheck and his bride, the former Rubye Louise Nix, went home long after the milkman today, after giving New York night clubbers a lesson in dancing.
 Their plans to return to the na- tional capital were indefinite, de- pending to e great degree on the time of the arrival by boat of the automobile which has featured in so many of zionchecks escapades in Washington and points as far south as the Virgin Islands.
 Zioncheck desired to motor to Washington "as soon as possible" al- though, on his arrival here late yes- tertday from the Virgin Islands and Puerto Rico, he threatened to ride his new bicycle--a gear shift model there with his wife on the handle bars.
 It was very, very late this mor- ming when Zioncheck, to use his own words, dragged his weary dogs" to his hotel. He was a judge of a beauty contest between chorus girls, and revealed that Scotch and soda was his favorite drink except I like rye and soda better" Mrs. zion- check, former Washington stenogra- pher, told reporters in her southern drswl that the manner in which she and the representative danced was ''s0mething like c rhumba but it's original" All the night clubbers who witnessed agreed to the orig inanty. Its performance required i,ewildeFlng gyrafi0ns, halts and sudden jumps in the air.
 Ars. Zioncheck seemed to enjoy the night life even better than her
The Waterbury Democrat., 1936-05-26
Detroit Prosecutor
 On Legion Roster
Continued from Page D

McCrea emphasized that his in- vestigation of the Black Legions acc tivities which today had spread to reports of bombings and arson dur- ing recent months, had not turned from other channels into that of the shrine fire, but he added:
 "1t is one of those things we are examining carefully"
 Shrine Fire Is Secret
 what his investigators had turned up concerning the shrine fire, Me- Crea did not disclose.
 While the Detroit inquiry turned into his channel, the grand jury inc veatigation at Jackson, seat of the stsee prison for southern Michigan, resulted in the issuance of warrants against four men on charges of kid- naping and asSaulting Q WPA worker.
 Warden Harry Jackson, of the prison, announced the dismissal of two more guards as 8 consequence of the Investigation, which brought to atctal of four the number who have lost their posts through alleged Black Legion activities.
 UncOvers PrOoe
 l9cCrea's act investigator, Harry Colburn, raided five homes and stores in suburban sections and un- covered what he said was definite proof of an existence of chapter of the subversive band in that city. Numerous guns and revolvers, arn- inunition, and literature pertaining to race conditions in the schools were found.
 Mysterious Blaze
 Jackson authorities likewise were a1quiring into a mysterious fire near the city last night which destroyed . farm house. They believed that 1t possibly was connected with the Black Legion's night riders.
 At Lansing, Attorney General David 1T. Crowley prepared to hold grand jury investigations in every county of the state where the Black Legion is known to have operated.
 He left for Jackson shortly after noon to confer with prison authori- ties over the situation there. Gov. Frank D. Fitzgerald issued a stern order that every state worker prov cd to be a legionnaire be summarily dismissed.
 Attorney General David H. Crow ley in Lansing announced grand jury Investigation of the Black Le- zion will be held in every county where information of its activities have been uncovered. His announce lnent was made during recess in his conference with law enforce