davidaulloa/AmericanStories huggingface dataset:
Evening star., 1936-03-14

with these loans has probably been no
different from that generally all over
the country. We have probably made
as many or more loans than any other
bank in Alabama and after nearly
year and q half, have yet to call on
the Federal Housing Administration
to make good on its insurance. We do
not have a loan in our portfolio that
looks as II we might need the insur-
ance to protect us.
"The monthly payment plan, devel-
oped on a scale commensurate with
the income of the borrower, Is one of
the wisest features of this plan. It
has kept many an overly optimistic
borrower from involving too much of
his future earnings. Character. the
prime requisite Of good credit, is still
the main strength of the whole struc-
ture and the bankers best way of
learning the character Of a new bor-
rover, who is likely not depositor or
customer of his bank. is from a record
Of the applicants past business deal
ings as disclosed in good credit re-
port"
Evening star., 1936-03-14

lCopyrisht. 1880
Evening star., 1936-03-14
''Out of Sight, Out of Mind;;"
Roofs Need Regular Check.up

Because most roofs are out of sight.
all too frequently they're "out of
mind" as we'll. According to Francis
Scof1eld of the scientific section of the
National Paint, Varnish and Lacquer
Association seven out of 10 property
owners neglect their roofs and court
trouble by risking large repair bills.
Speaking specifically of roofs that
are covered with saturated felt and
then given bituminous coating, Sco-
field stresses the Importance of check
ing up regularly on the condition of
that coating.
This type of roofing does dry out"
says Scof1eld. The effects of the dry
ing-out process are first seen in the
form of dry cracks. AS the drying
out process proceeds, these cracks
widen and the surface coating becomes
brittle, thus further exposing the felt
layer beneath. At period somewhere
between these two stages, new protec-
ton should be applied. This will re-
Evening star., 1936-03-14

store the roofing to its original elas-
ITCHY.
"Felt-covered roofs, when recoated
with bituminous material at three or
four year periods, will keep the inside
of buildings and their contents dry
for IS to 35 years at very low cost.
THE important thing to do is to
renew the bituminous outer coating
before the felt begins to rot" Scofleld
points out. That's what saves money
and trouble. It also saves the replac-
ing of f1ashings, caves, troughs-and
protects rafters, inside walls and the
contents of the structure. Such a
coating insures each 100 square foot
Of roof for few cents year.
"Built-up roofs-those that are COM
posed of several layers OF felt and
bitumen-require the same renewal Of
their softness. Otherwise they become
brittle and useless at too early date.
This, naturally, makes the cost per
year Of service high.
These bituminous coatings may
Evening star., 1936-03-14

also be used to extend the life Of sheet
metal roofing.
"Bituminous coatings are applied
with a three-knot brush and may be
used any warm, dry day after frost
has disappeared. 1t is really better to
apply such a coating before the COM
ing Of the heat of the Summer. One
coat is usually all that is necessary.
BY all means. obtain the best quality
products available" Scofield advises.
This saves the cost of labor and ma
terial for reroofng."
This type Of coating. while not adj
visable for the roof of a home, is suit
able for roofs of factories, Office build
ings, institutions. garages or barns.
Sofield states. While most bituminous
coatings are black, they may also be
secured in red and green. he says, and
points out that roofs that are lifeless,
dull and unattractive, can be made
pleasing and colorful with a colored
coating.
Evening star., 1936-03-14

colored seagoing creatures find them
selves in these pools. A barrier reef is
one that is separated from the shore
by a deep, broad channel. The third
type is called an atoll. This is cir
cular reef which girdles lagoon.
The most famous coral reef is known
as the Great Barrier Reef of Australia.
It is about 1880 miles long. and it is
said to cover 100000 square miles.
Corals, as you know, are of various
forms and exquisite colors. Through
a -bottomed boat they look like
so many beautiful flowers, the clear
water tending to magnify the size and
the depth of the color Among them
dwell some of the strangest creatures
Of the sea. Deadly battles are fought
and fleeing and pursuer seek conceal
ment among the gay corals.
Corals are made up of polypS. A
single polyp is so tiny it measures
only a fraction of an inch. But they
keep together up to the millions and
even billions. The bicarbonate Of lime
to be found in sea water is formed into
skeleton by the coral polyp. This
Is what we call the coral.
The branching coral is found at
depth of 80 to 900 feet and about 6
miles from shore. You can see how it
has formed its skeleton-hke branches
for It's use. The little saucer-like tips
are the polyps and resemble flowers.
The branches are a deep crimson.
The star coral may be found along
the seashores as far North as Cape
Cod. 1t is begun by a single young
coral and increases by budding. It
uses the stones and dead shells to
grow from. You will recognize it by
the glossy white translucent color, and
there are from to 40 in the colony.
They look like tiny cups. They have
an efficient battery with singing cells.
The red coral is the most valuable
and is found near the coasts of Japan.
This is made into rings, necklaces and
other articles of jewelry. But the an
cient Romans and Greeks used them
for another purpose than decoration.
They firmly believed the coral. because
Of its strange growth, had supernat-
ural powers, and so upon birth their
children had to wear bit of it to
ward of all the woes mankind is sup
posed to be heir to.
(Copyrieht 1936O
Evening star., 1936-03-14
.F.H.A A|DSBANKS
TO BACK BUILDERS
Alabama Financier Tells of
Improved Condition
Under Plans.

Gradual but steady adoption Of pro-
visions of the national housing act by
banks and members Of the construc-
ton industry in various parts of the
country has brought about a co-opera-
tive spirit between private financial
institutions and builders. according to
Alan j. Daily, assistant vice president
of the First National Bank Of Bir-
mingham, Ala. In a recent statement
he said:
when banks were invited to enter
this field to aid the Federal Govern
ment, through one Of its agencies (the
Federal Housing ADMINISTRATOR, in
financing worthy building operations
and repairs, thereby relieving unem-
ployment. they accepted the oppor-
tunity in a half-hearted, skeptical
manner. The first applicants were
required to measure high up in the
credit scale and were handled accord
ing to the old-established banking
rules Of personal application of the
borrower to the bank and at the bank.
1T soon developed that the full ben
efits Of the national housing act would
not accrue with this method Of han
ding and more enterprising contrac-
tors went out to take applications, Sc
cure credit reports, take the notes and
present the completed transaction to
the bank. The local banks were a
little dubious about letting the other
fellow make our loans for U.S.
'As matter of fact, this method
had many advantages that some of
the banks in other cities realized more
quickly than we did and much Of the
financing that should have been done
through local banks went elsewhere.
We soon found when an application
under the act came to us, backed up
by a complete credit report and an
investigation made on the ground by
a reputable contractor, that we prob
ably had a better picture than we
could have developed in a hurried in
terview at the bank, and worthy cases
were gladly taken and loans made.
After the system had been in oper-
alton about one year-from August 10,
1884, to July l, 1935-its success ex-
ceeded the fondest hopes of the Fed
eral Housing Administration. The
losses had been practically nothing. so
the requirements were further liber.
allied.
The experience Of our institution
Evening star., 1936-03-14
SIX HOUSES SOLD

Sales Director Hines, William H.
Saunders Co., reports the sale of six
units. 234-244 Jefferson street. This
is the first group of building opera
ton of 18 houses at this location. Six
more units are now under construc-
ton and will be ready to show in two
weeks. Hines says Rodney Lynn, a
member of the sales staff made four
Of the sales.
Evening star., 1936-03-14
Salesman Added by Firm.

Appointment Of Pierman G. Butts
to the sales force Of the William H.
Saunders Co. was announced today by
Sales Director N. c. Hines. Mr.. Butts
Is from Medina, N. Y. He is a grad
uate architect, interior decorator and
designer.
Evening star., 1936-03-14
Natures Children
BY LILLIAN COX ATHEY.

~ORALS are to be found chiefly
in the warm waters of the
tropics, though there are a
- few in the temperate regions,
and even in the Arctic Zone. Wher-
ever they are found. they are among
the great wonders of nature. While
we have as yet discovered little about
them, what We do know is fasci-
mating story.
We find that there are three general
types of coral reefs. The fringed
type, or shore reef, is the one built
up from the bottom of the sea. 1t
comes SO close to the land that no
channel is possible between the reef
and the shore Sometimes there is a
deep break in the reef. Then there
form irregular channels and small
pools. From time to time brilliantly
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08
CORPORATIONS ARE
SHOWING PROFITS
Aggregate Gain of 81 Per
Cent. noted; Future
Looks Bright

The first 1853 industrial corporations
to report for the March quarter of 1896
show an aggregate gain of 81 per cent.
over the first three months of 1885, ac-
cording to the Associated Press tabula-
ton. The oil industry more than trebled
and the ten steel companies reporting
doubled their first quarter income of last
year.
Building materials, IL reporting,
showed 1870 increase over the cores
ponding period in 1885; financing COM
panies, 621a&6; foods, 1870; electrical
equipment, 4O%; chemicals, 800. Tex
tile earnings, down 2O%o due to overpro-
duction, and auto accessories, down
$50 or less than expected, were the
only exceptions
Total, net earnings of all 1853 corpora
tions for the quarter was SIP, 933, 977.
Commenting on the earnings state
ments of the first 124 industrial corpora
lions to report, ($109, 044 ,449), as "bet-
ter than expected after three years of
gains, the magazine Business Week."
added:
Favorable factors coming to light re-
inforce the belief that the second quarter
business volume will be the best since at
least the middle of 1881 and manufac-
turing activity the best since 1890.
Steel operations climbed above 70%o of
capacity, coal production continued we'll
above last years level, power production
remained at high mark and car load
ings kept getting heavier. Machine-tool
builders finished the first quarter at
1920 of the 1926 level, the best for any
quarter since 1922
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08
BANK DEPOSITS ARE
REACHING NEW HIGH
All Previous Records Are
Shattered; Figure Elk
ceeded by IL Millions

A new all-time high record of $24,-
$50 ,455,OOO in national bank deposits
was reached on March 4, the last call
for bank condition statements, as reveal
ed in reports received by the comptrol-
Ter of the currency from the 1881 active
national chartered institutions. The fig
IRE exceeded by $11, 722000. or 0.05 per
cent, deposits reported on December 21,
1885 and by $512,O75,OOO, or 2.10 per
cent. the total of December 81, 1923, the
dates of the two previous high records.
The deposits on March 4, 1896, were
SS,OS5, 100000 or 1920 per cent. above
the amount reported by 4,902 licensed
national banks on June 30 1888, in the
first call after the banking holiday of
March that year. The total assets of
all nAtional hanks on March 18th last
were S2S.293 O19 600. an increase of $685.
$4,000 since last December and of ST.
:3s 3333 10000 in the past year.
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08
BUILDING TRADES
TO ABSORB MANY
Bricklayers, Road Machin-
cry Operators Already
in Demand

Those familiar with labor trades in
Maryland are predicting that when the
great amount of Federal, State, County
and municipal projects get under way
this summer, the problem of obtaining
competent skilled workers in the road
building trades, will become serious. The
same will apply to construction work,
it is predicted. In several trades, it is
now almost impossible to get qualified
help from the relief rolls.
Washington County is fortunate in
having quite number of projects which
will require hundreds of workers. Chief
among these projects is the new State
highway between Hagerstown and Fred
erick. This work will extend over year
during which time contractors will need
practically every type of skilled and un-
skilled mechanics. Another road job re-
gu: ring quite number of workers is
the one recently started between Cave
town and Foxville. Work on the
Broadfording- Fairview road, which got
under way last Fall is expected to be
completed within two months.
Road machine operators, cement fin
ishers, form builders, carpenters, electri-
clans, sheet metal workers, roofers,
brick masons and other skilled mechan-
les will be especially in demand, it is
said. National Unemployment Service
offices throughout Maryland have been
asked to compile records of these par
ticular workers so that they will be
available on demand of the contractors
Mechanics from Washington county
will. in all probability, be offered Jobs
il other sections of the State where
there is a scarcity of skilled mechanics.
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08
SPEAKING OF INTERFERING
WITH LOCAL GOVERNMEN

The Federal Home Owners Loan Cor
poration, the HOLC devised by President
Roosevelt to aid in the general salvation
has paid 1924, 918,000 to States and mu-
inequalities up to April 1. in back tax
payments on urban homes on which it
has acquired mortgages. The money was
supplied to the home owners for payment
of their taxes in the form of loans which
private lending agencies could not ham
die.
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08

bic seriously is a fellow out in California
by the name of Hoover.
When a guy walks out on his party
he doesn't usually come back to the
starting point under four years. And
that, my friend, is a long hike.
The Democrats and Republicans have
one thing in common-those who object
to 'em.
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08
KIWANIs BAZAAR NEXT MONTH

The annual Kiwanis Bazaar, staged
by the Hagerstown Kiwanis Club. will
be held at the Armory May 13. IA and
10. The proceeds will be used in the
continuation of the under-privileged
child work program of the club.
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08
PREDICT SKILLED LABOR SHORTAGE
LITTLE HEISKEL

If one is to judge by
the dividends being paid
by the country's leading
industries, then I'm in
favor of a law which
would forbid the cutting
of grass in the main
streets. And that just
reminds me: About the
only person taking Her
The Hagerstown globe. (Hagerstown, Md.) 1936-1943, 1936-05-08

Little minds are tanned and subdued
bv misfortune, but great minds rise
above it.
The Ely miner. [volume] (Ely, Minn.) 1895-1986, 1936-01-16
IS WAR MADNESS,
OR ADVENTURE, AS
YOUTH SEES 1T?

The lowering threat of World war
more than $40 psychiatrists who warn
that the world is drifting toward a
war madness.
War means all destructive forces
are set loose by mankind against it
self. they assert. On the shoulders
of the statesmen to whom the docu-
ment is addressed, they place the re-
sponsibility for the developing war
psychosis.
'The suggestive force OF speeches
made by leading statesmen is enor-
nous and may be dangerous" they
say. Whole peoples, swayed by the
influence of the hypnotic words OF
their leaders-the cries of danger
and of "atrocities"-ma be carried
away by Authorizations and decisions
and become neurotic. Nations I'M
balanced emotionally and mentally
The other side of the picture is
also pointed out by psychiatrists.
War provides an outlet for the de-
structive aggressive forces in man,
ordinarily repressed by modern civil
lized society. For this reason many
find release and fierce joy in the
cruelties and bloodshed of battle.
These do not become neurotic. They
have a glorious time. Laughter may
be seen on the faces of the youths
setting forth gaily for the great ad-
venture"
1t has taken generations of stern
discipline to teach man to master the
impulses that lead him to anti-social
conduct; to make him learn to work
in peace with his fellow man toward
a common good. If a World war
takes the combining lid from the boil
ing cauldron of mans aggressive in
stincts, what will be the price to the
future?-Science Service.
The Ely miner. [volume] (Ely, Minn.) 1895-1986, 1936-01-16

till close on to ten o'clock, the way
figure; and Win was gone before that,
and you come after. Say quarter-past
ten. You fished down brook, and didn't
get a bite, and decided it was going
to rain, and started back up brook
again. That SOP
"Sure"
IT'LL you come along under the ledge
back of Wills farm, and heard Hubby
yell, and the thump when she hit?"
Bart nodded, soberly enough. Eyes,
Granny"
$50 you climbed up and found herr"
"Yes."
How was she laying?"
Bart looked at viii doubtfully, as
though he might have wished to spare
Huldy's husband this recital; but be
answered.:
"She was laying on her back. ma'am
She'd come, down on some rocks; kind
of across a big one. can show you,
in the morning, right where she was"
"You leave your gear there? Or
down by the BROOKE
fright there beside where she FELL"
he explained. 81 couldn't handle my
rod and basket and all, and carry her
too" He grinned family. Il was pretty
well foundered by the time got here.
as 1t was. Hubby was heavier than
you'd think"
Her clothes get tore when she fell.
did they? Have to fix her up any?
mot that noticed" he replied. mo,
didn't touch her. Just logged her
over here"
The old woman sat primly, her hands
clasped in her lap, watching him with
keen black eyes. The lamplight touched
her white hair pleasantly. She wore,
Saladine thought, a sort of majesty
dignity was in her; a remote deep wis
The Ely miner. [volume] (Ely, Minn.) 1895-1986, 1936-01-16
SYNOPSIS
Copyright by
Ben Ames Williams.
WNU Service.

At a gathering in the village of Lib
erty, Maine, Jim Saladine listens to the
history of the neighboring Hostile VAL
ley, and the mysterious, enticing Hui
dy," wife OF Will Ferrin. Interested,
he drives to the Valley for a days
fishing, and to see the giamorous Hubby
Ferrin. "Old Marin Pierce and her
nineteen-year-o granddaughter Jenny
live in the Valley. Since childhood
Jenny has deeply loved young Will
Ferrin, older than she, and who re-
CARDS her as still a child. Learning
that viii, who has been working in
another neighborhood is coming home,
Jenny exulting, sets his long empty
house ito rights" and has dinner ready
for him. He comes-bringing his wife.
Hubby. The girls world collapses. En-
tering his home unlocked for, Will
finds seemingly damning evidence of
his wife's unfaithfulness as man he
knows is Seth Humphreys breaks from
the house. Will overtakes him and
chokes him to death, although Hum
phreys skaters his leg with a bullet
At Marin Pierce's house the leg is am
putated. Hubby declares she has no
use for half a man." and leaves him.
Will is legally exonerated, and with a
homemade artificial leg carries on"
hiring a helper, Zeke Dace. Months
her presence as her right. Two years
go ny. Saladine comes to the Valley.
Caught in heavy rain. he takes refuge
at Marin Pierce's. Bart Carey, a neigh
Dor, arrives, carrying Hubby, whom he
claims had fallen from a ledge. ara
seemingly, is dead. While Hubby and
Jenny are alone, the woman, with her
last breath, asserts VIII killed her.
Mortified, Jenny decides to tell no one
n he
Will. With him Jenny returns to Marin
Pierce's. Zeke Dace cannot be found.
Saladine informs Sheriff Sohier, by
phone, OF Huldy's death. The sheriff
comes to Marin Pierce's farm. Bart ex-
plains how he found Hubby. after her
fall, dead, as he supposed. Jenny re-
veals the fact that Hubby had accused
viii of causing her death, though, she
declares, she knows he is innocent.
Marin Pierce tells the sheriff of Jenny's
long attachment to Will Ferrin, and
voices her opinion of the dead Hubby
The Ely miner. [volume] (Ely, Minn.) 1895-1986, 1936-01-16

on its high headland location is visible
for miles around. The Mariscos were
a troublesome lot and twice were or
dered off and the island given to the
Knights Templar, but neither time
did the Knights actually obtain pos
session. Several members of the fam
lily were plain pirates. One was
hanged for participation In a plot to
assassinate Henry III, and the last of
the line was beheaded for being on
the wrong side in the Barons' wa:
which resulted In the deposing of Ed.
ward II.
The Ely miner. [volume] (Ely, Minn.) 1895-1986, 1936-01-16
Lundy Island Given Its
Name by Cruel Vikings

Lundy island, a tiny speck, three
and one-half miles long by one-half
mile wide, In the Bristol channel, IL
miles off the coast of Devon, has no
traditions handed down by word of
mouth as might be expected Of a
place inhabited from prehistoric times.
since no population until recently had
been able to maintain itself more than
a few generations before being VIC
lently superseded by another. The