davidaulloa/AmericanStories huggingface dataset:
The Waterbury Democrat., 1936-05-08
BAER REELECTED
 BY CREDIT GROUP

The present slate of officers was reelected in its entirety at last nights meeting of the Waterbury Association of Credit Men at the Waterbury club. The slate Is headed by President Herman Baer of the Waterbury Button company.
 It was decided that the local group will be represented ct the ar1- nual state convention in Hartford later in the month.
 The other officers reelected were as follows: Vice-president, Carl A. Dinwoodie; vice-presldent, II. A, Leigh; treasurer, Ralph Munger; secretary-manager, Louis Fitch.
 Directors-John L. Geist, V. W. Heyden, James N. Miller, w. P. Nor- ton, Charles Tepel.
 Advisory committed e-Ralph Mum ger, chairman; Frank Driscoll, Frank J. Newcomb and Homer 0. Senior.
The Waterbury Democrat., 1936-05-08

Election of officers for the Water bury Teachers Association will take place Monday afternoon at o'clock in the Crosby assembly hall. Miss Daisy Lord, president, is practically assured of reelection.
 1nasmuch as this will be Miss Lords final term as head of the local teachers, interest in the com ing election centers around the office of vice-president. Three per- sons have been nominated for thi office, Anna D. M. Dwyer of Driggi school, Rosemary Foley of Reid- vile school and Katherine Dough erty of Webster school. There are also three nominees for the offices of treasurer, recording secretary and financial secretary.
 The complete list of nominees follows:
 President = Daisy Lord, Wilby.
 Vice.president Anna E. M Dwyer, Driggs: Rosemary Foley Rockville: Katherine Dougherty WepSter,
 Treasurer = Helen Egan, Croft Lura W. stanton, Bunker Hill; Fay Cassel, Chase.
 Recording secretary - Mary Nit chell, Webster; AnastaSia Dillon Barnard; Everett Stanley, Special
 Financial secretary - Mary Shep' ard, Tinker: Renora Barker, Slocum Kathryn Calvin Duggan.
 Executive committee: William Moran, Special: Gerard McEvoy Crosby; Mary Kennedy, Washington Pierre Pronovost, Wilby: John Dillon Leavenworth; Marion Cunningham Anna A. Fitzpatrick, Anderson; Mary R. Grove, Barnard; Helen r. De- vine, Begnal; Loretta skelly. Bis
The Waterbury Democrat., 1936-05-08
High School Notes
LEAVENWORTH

The finals in the Chess club tour- naments will take place Monday af- ternoon. Three matches have been listed for the advanced tournament and winners of the years play will be announced during the week. The matches scheduled are: Bagde1 vs. Bruno; 0raveline vs. Manuel; sholdoska vs. Bruno. There are Il matches in the beginners tourna- inent.
 An outing of club members will be held in the near future. At the present time there are two boys tied for first place in the advanced group with eleven wins apiece. John Tartaglia and Joseph Benesavage.
 CROSBY
 Tonight ct 8 o'clock the combined French, Italian, German and Span. ish clubs will hold Q spring social in the school gymnasium. All mefn- bers of the four clubs have been inc yited to attend the effair, which will be given under the direction of Miss Dorothy siebert, assisted by Dor- othy Slocum, Phyllis Wilkins, Jane DeIeon, Arthur 0reenblatt, James Healy, Matthew Weinberg and No. thaniel Wolozin.
 The Home Economies club will hold Q food sale tomorrow ct Grieve, Bissett & Holland %. All members of the club will assist in selling food.
 The Crosby Rifle team met for practice this afternoon after school.
 The Chess club will hold c meet. ing this afternoon in the school li- brary.
 Girls who are participating in the water pageant reported at the pool for practice this afternoon at 1:S0 o'clock.
The Waterbury Democrat., 1936-05-08

Waterbury boys who intend to ap- ply for eco Camp applications have but two more days to do so. The new registration period closes Monday and all applicants must signify inc tentions to register before or on that date.
 Most of the thirty or thirty-flve new openings made here by the arl- nouncement of an enlargement of the quota for the state have been applied for to date, but there are
The Waterbury Democrat., 1936-05-08
TOOK HER LIFE

Hartford, Conn, May 8-(UP)-- Miss Ellen c. Hennesey, ~, found shot through the head in the bath- room of her apartment, committed suicide, Medical Examiner Thomas J. Luby said today. Her act was at- tributed to grief over the death of her father two years ago. She had been dead 48 hours when an apart ment attendant found the body when he entered the apartment to put screens in the windows.
The Waterbury Democrat., 1936-05-08

blIlsy may be determined and of authorization to report Co ReRistratlon and IfnnsroI station, Government pocls London, mailed out. not later May 18th.
 While in camp veterans WiM ceive eSO month if1 addition room, board and clothing. 1|lQ veterans having dependents must als lot three-quarters os their pay te their dependents.
The Waterbury Democrat., 1936-05-08
JESUIT SPEAKS TO WOMEN HERE
Rev. Richard Bowling to { Be Guest Sunday of I Daughters of Isabella

The annual communion breakfast of the Santa Maria circle, Daugh- sers Of Isabella will be held Sunday when the members will attend coEn- munion at the 8 o'clock mass ct ehe Immaculate Conception church and will enjoy Q breakfast follow- Ing ct the Hotel Elton.
 Rev. Richard Bowling, s. J., of Holy Cross College, will be the guest speaker. Mrs. Margaret Reddey of Windsor Locks, state regent, will at- tend.
 The newly-organized choir of the circle under the direction of Mrs. Suzanne Drufa will render Q pro-
The Waterbury Democrat., 1936-05-08
INJURED FATALLY

New Haven, Conn, May e-(UP) Anthony Bassoli, 25, MT. Carmel. was injured fatally today when an automobile in which he was riding overturned. He was pinned beneath the car and succumbed shortly after being taken to Grace hospital Rhy- mond Millurn, Mt. Carmel, the driver, was charged with reckless driving and operating while his H. cense was suspended.
The Waterbury Democrat., 1936-05-08
OBITUARY

RTGLTARO = Giovanni Rigliaro, 06, of 26S Baldwin street died this morning ct the Waterbury hospital after 0 brief illness. He was born in Italy and came to this country fifty years ago. For the first 10 years he made his home in New Ha- ven and for the past forty years in this city. He was especially well known among the Italian residents.
 MT. Eigliaro is survived by his wife, Mrs. Carmels Rigliaro and four nieces, two in Milford and two in this city.
 The body was removed to the Co., lasanto funeral home, 0S4 Bank street. Funeral arrangements will be announced later.
 BANNON - Mrs. Bridget Flynn Bannon, widow of Edward Bannon, died this morning at her home l4 Ayers street after Q brief illness She was c native of Portland, Conn, but had resided in this city practi- cally all of her life. Mrs. Ramon was the daughter of the late John and Ellen Bowling Flynn, pioneer Irish Catholic residents of the east ern section. She has no near rela- tives. She was Q devout communi- cant of the Immaculate Conception parish.
 The funeral will be held from the Bergin funeral home, 200 East Main street on Monday morning at 8:30 o'clock to the Immaculate Concep- ton church where Q solemn mass of requiem will be celebrated at 9 o'clock. Burial. will be in new St. Joseph's cemetery.
The Waterbury Democrat., 1936-05-08

These youngsters, members of the basketball team that repre- scented St. Thonas church In the parochlal school league had plenty of reason to smile after having established an excellent record for their ability and sportsmanshlp. Both traits were Iauded at the banquet given for them last night at the parish hall. The speakers were Rev. Joseph DOnnelIy, Rev.
The Waterbury Democrat., 1936-05-08
FUNERALS

The funeral of Mrs. Edward Hickox was held this morning at 8:l5 o'clock from the Lunny funeral home, 25 Central avenue. to St. Mary Magdalen's church, where mass of requiem was celebrated at 9 o'clock by Rev. Thomas McQarry. Burial was in st. James cemetery, Water town. The pallbearers were: Earl V. Hardy, John MacMurtrie. Patrick s. Cavanaugh, Thomas 0eghan, William Dunleavey and John schufn.
The Waterbury Democrat., 1936-05-08

Forty-two regular daily air serv- ices are now run by British railways.
The Waterbury Democrat., 1936-05-08
MASSES

NOLAN--A months mind mass of requiem will be celebrated tomor- row morning at S:30. o'clock, Ut the Immaculate Conception church, for the reposo of tho soul of tho late Mrs. Mary Nolan.
 PETTIT--A months. mind mass of requiem will be cclebrated tomor. row morning at 8 o'clock, at the 1pmncuiat0 Conception church, for tho reposo of the soul of the late Mrs. Bridgett Petit.
 BANNON---Tn this city, May 8, 1030. Mrs. Bridget Flynn Bnnnon of 14 Ayers street. Funeral Monday nor. ming at 8:30 o'clock from Bergin funeral home, 290 East Main St., to Immaculate Conception church. Burial in new St. Joseph'S ceme" tory.
 RUGLIARO-In this city, May 3, ia30. Giovanni RigiIar0 of 2bS Baldwin street. Funeral arrange ments later.
The Waterbury Democrat., 1936-05-08

Funeral services for Charles K. Kukaitis of 600 Washington avenue. proprietor of the Charles grill, 488 West Main street, will bc held to- morrow afteFnon ct q o'clock ct the Dellnlks funeral home. I7 Congress avenue.
 Burial wlll De in the family plot in the Lithuanian Association e~Eae- tery. Friends may call at the funeral hnlne this evening.
The Waterbury Democrat., 1936-05-08

veterans in Connecticut hes been increased in order to bring the First Corps Area total up to l.o00 by May i5.
 All veterans, now on relief, who wish to enroll, provided that they have not ben discharged from an enrolment subsequent to September 90, 1895, should apply at the relief agency from which they are receiv- ing relief and forward the complet- ed applications to the Veterans Ad- ministration, Newington. To be eligi- ble for enrolment Q veteran must have ben honorably discharged from the armed forces of the United States, Q naturalized citizen and now receiving public relief. Peace time veterans are not eligible.
 File Applications
 Major Bannigan requests that ap- plications be mailed to the Veterans Administration ofiice at Newington, in duplicate immediately, certified on the reverse side that the veteran is receiving relief, 50 that the eligi-
The Waterbury Democrat., 1936-05-08
CCC Applications To
 Be Concluded Monday
Several Openings Still AvaiIabIe-ReIief Cases to
 Receive First Consideration

still some opening left. Relief and border-line relief cases are receiv- ing first consideration here. Appli- cants must report to the basement of the City Hall to fill out applica- tion blanks.
The Waterbury Democrat., 1936-05-08
Quota Increased

Tn connection with the enrolment of veterans, word has been r sived from Major T. J. Bannigs Uf the Veterans Administration Facility in Newington that eco enrolment for
The Waterbury Democrat., 1936-05-08

Girls who are participating in the water pageant reported at the pool for practice this afternoon at 1:S0 o'clock.
The Waterbury Democrat., 1936-05-08

The Crosby Rifle team met for practice this afternoon after school.
Evening star., 1936-09-12
Financing

Continued From First Page.)
Evening star., 1936-09-12

20-year period, and is paid of in
regular monthly payments, including
interest, carrying charges, taxes and
fire insurance.
The F. H. A. classifies the mortgages
it insures. The mortgages are placed
in three classifications according to
soundness. Thus, it is figured that
home buyers having their mortgages
in the first classification will have
their homes cleared Of debt in slightly
less than the 20-year period Of the
loan as they will receive rebate from
the half per cent month paid in to
the Administration for mortgage in
surance.
Here's how the F. H. A. plan works
if home purchaser wishes to finance
in this way.
He makes application to a financial
institution which has been approved
by F. H. A., stating that he has 20 per
cent cash paid into the property or
will pay the 20 per cent at the time
of settlement. He pays a small ap-
praisal fee, generally IS. to the in
stitution. Assuming that the insti-
tuition approves the transaction. it
forwards the application to the F. H.
A. office, which makes thorough in
vestigation and thorough appraisal
of the property. If the examination
shows the loan Is sound and value
justified, the F. H. A. signifies its
WILLINGNESS to insure. 1t insures 80
per cent Of the assessed value of the
property.
Monthly payments under the F. H.
A. plan are approximately 50 per
month for each $1,000 borrowed. This
includes principal, interest, service
charge mortgage insurance charges,
taxes and fire and other hazard in
surance. Thus. If the person wishes
to buy a $4,000 home he pays $4,000
cash, and pays off the remainder at
the rate of s72 per month for the 20
vear neriod
Evening star., 1936-09-12

at which Neely Bowen of the Nicely
Bowen Co. Of Memphis will speak on
Successful Methods Used In Selling
Farms" The third will be devoted to
problems Of the "over-the- counter"
mortage dealers, and Roy s. johnson
Of the Albright Title & Trust Co.
OF Newkirk, Okla, viii speak on
Problems Incidental in Servicing
Mortgages for Individual Buyers"
On the second day the same series
will be held, and Paul vollmar, as
sistant vice president Of the Western
& Southern Life Insurance Co. Of
Cincinnati, will speak on 'The Trend
Of Mortage Loan Policies for Insur-
ance Company Investments" E. H.
Lougee of Council Bluffs, Iowa, will
speak on "The Future of the Farm
Mortgage Business" and Kenneth z.
Evening star., 1936-09-12

-
the Federal Government has at
tempted to regulate the home financ-
Ing business; to eradicate many ills of
mortgage lending that were so strik-
1ngly brought out by the depression
It Is intended to improve home buy
ing for the purchaser without directly
competing with private enterprise.
The administration reports that busi-
ness, under its mutual mortgage insur-
ance plan, has increased rapidly in
recent months. Speculative builders,
as well as the buying public, are
becoming increasingly interested in
it.
The F. H. A. plan requires a down
payment OF 20 per cent of the value
of the property, or that the buyer
have 20 per cent equity in the prop
erty. 1t contends that larger down
payments make for a sounder mort
gage market. 1t establishes an inter-
est rate Of S per cent. In addition,
the borrower must pay service
charge to the lending institution
amounting to one-half of l per cent
per year on the unpaid balance of the
loan, and a mutual mortgage insur-
ance premium to the F. H. A. of one
half Of per cent year of the orig
tnal amount of the loan. Thus,
money costs the home buyer, under
the F. H. A. plan, approximately 6
per cent. The loan is made for q
Evening star., 1936-09-12

roof is of wooden shingles. new wood
shingles can be put on, They may be
put over the old ones. Or you can
cover the old ones with various types
of paper, felt shingles or composition
shingles. Be sure. however, before you
begin the recovering operation that
the structure is strong enough to carry
the added load. Check the size Of the
rafters and be sure they are adequately
tied together fairly near their base
They may have been all right for the
old roof, but the new roof may be like
the proverbial straw on the camels
back and you may have very sad
looking sway-backed roof, and your
walls may take on a middle aged bulge
in the front.
Evening star., 1936-09-12
MORTGAGE BANKER
MEETING OCT. 70
Biggest Session of Decade
Expected-SibIey to
Be a Speaker.
o. ecial Dispa tch to The Star.

u ecial Dispatch to The Star.
CHICAGO, September 12.-Harper
Sibley. president Of the United States
Chamber Of Commerce; I. Friedlander.
immediate past president Of the
United States Building and Loan
League, and A. G. Bahson of the Bab-
son Statistical Organization will be
among the principal speakers who will
address the twenty-third annual con-
vention Of the Mortgage Bankers As
sociation Of America to be held in
Memphis October Z, 3 and Q. L. A.
Mclean, president of the association.
announced today.
Babson will address the convention
on THE Business Outlook" and the
title Of Friedlander's address Is
whittier" The other principal
speakers and their subjects will be
announced later this month.
Large Meeting Expected.
Seven hundred members, insurance
men and mortgage and commercial
bankers are expected to attend. Nc
Lean said that he expected the meet
ing to be the largest the association
has held In Q decade.
One of the events of the second and
third days is the series Of luncheons
for the different types of mortgage
lenders inaugurated at the last con-
vention, and which will be enlarged
at this meeting.
Correspondent Problems Up.
One will be for insurance company
correspondents, and on the first day
]. J. F. Steiner Of the Realty Mort
gage Co. Of Birmingham will speak
on Correspondent Problems as They
Relate to the Institutional Investor. "
The second will be for lenders pri-
marily interested in farm mortgages,
Evening star., 1936-09-12

eight months Of 1886, according to
figures released by Amott, Baker & Co.
The average price has risen from $3.50
on January to $4l0 on September /.
The figures, based On market action
Of 200 typical issues, disclosed a gain
OF 0.5 per cent during August,
compared with per cent gain In
July. Issues with hotels as the In.
derlying security appreciated 14.1 per
cent in the eight-month period. Thea
ters established an eight-mcnth gain
Of SO per cent.
Evening star., 1936-09-12
APPRAISAL RULES
CHANGESPLANNED
American Institute and Ma.
tionaI Real Estate Boards
Take Up Subject.

Proposed revision of the rules Of
Institute of Real Estate Appraisers
OF the National Association of Real
Estate Boards further defining ethical
practice, and proposed detailed stand
ards Of practice for real estate ap-
praisal, as drafted by special COM
mittee of the American Institute Of
Real Estate Appraisers of the Ma
tional Association of Real Estate
Boards, will come before the govern
Ing council of the institute at its next
meeting, to be held in connection with
the associations annual convention
at New Orleans, November 1921.
Frederick M. Babcock, chief of the
underwriting section, F. H. A. and
author of comprehensive texts on
appraisal Of real estate, is chairman
of the special committee which has
drafted the proposed rules and stand
ards.
Text of the proposed statement has
been placed in the hands of every
member of the institute for study.
Examinations for admission to the
institute will be held at New Orleans
on Monday and Tuesday, November
16 and II, of the convention week,
Maurice F. Reidy, Worcester, Mass,
president of the institute. announces
The institute, organized as a definitely
professional body having for its pur-
pose identification of qualified ap-
praisers of real estate, requires of ap-
plicants for its membership to have
had considerable and satisfactory
appraisal experience, and gives them
an examination on their understand
ing of appraisal principles and method
Meetings of the full membership of
the institute, and of the other in
stitutes, divisions and councils of the
association, are scheduled to be open
Wednesday afternoon, November 10,
and to continue the two following days.
Evening star., 1936-09-12
MANY WAYS AVAILABLE
FOR RECOVERING ROOFS
New Shingles or Paper May Be
Used in Repair-Rafters
Should Be Checked.

There comes q time in the lives of
all roofs when patching is no longer
economical. When such time arrives
the only thing to do is to put on a
new roof covering.
Assuming that the structure of the
roof is sound, there are a number Of
ways you can recover it. II your old
Evening star., 1936-09-12

Nettleton Of Lomas a. Nettleton Of
New Haven. Conn, will speak on How
to Secure Individual Buyers as Gil
ents."
Evening star., 1936-09-12
BONDS ADVANCE

Real Estate Paper Reported Up
5.4 Fer Cent.
Values Of Eastern real estate bords
have advanced 81 per cent in the first
Evening star., 1936-12-20
Floor Committee
For Midshipmen
And Cadet Ball

MR.. CLAY GOODLOE will be
N chairman Of the Floor Commit
tee for the Ninth Annual Midship-
men and Cadet Ball which takes place
at the Mayflower Christmas night
and will be assisted by Mr.. E. F.
Baldridge, as first vice chairman.
and Mr.. J. F. Splain, as second vice
chairman. The midshipmen who
have been chosen as members of the
Floor Committee include Mr.. p H.
Anderson, Mr. H. w. Baker, Mr.. j. A.
Bogley, Mr.. J. A. Boorman. jr.; Mr..
w. H. s. Bradley, Mr.. o. A. Chambers,
Mr. c. r. Chandler. Mr.. G. A. Dun
can. Mr.. F. B. Gilkerson, Mr.. H. c.
Lank, Mr.. w. E. Lessing. Mr.. R. G.
Merritt. Mr.. w. H. Peirce, Mr.. D. H.
Pope, Mr.. Conde Raquet, Mr.. j. C.
Raft, Mr.. E. K. Scofield. Mr.. F. N.
Shamer, Mr.. c. A. Stapler, Mr.. B. w.
Steinkuller, Mr.. c. A. Stump, Mr.. E.
A. Trickery. Mr.. T. E. Turner, Mr..
j. r. Wadleigh, Mr.. H. J. Weller. jr..
and Mr.. G. H. West. There will be
25 cadets on the Cadet Floor Com
mittee, headed by Cadet Charles B.
Westover, as chairman. This list
will be published shortly.
Twenty-Five Army girls with Miss
Marjorie Grant, as chairman, and
Miss Charlotte Hannum as vice chair
man, and Is Navy girls with Miss Eliz-
Evening star., 1936-12-20

able gift than Sterling Silver. And Steff Silver
is fine sterling in plain or decorated designs.
To the husband whose wife hos no Sterling, we
suggest q beginners set os shown below. twill
give lasting pleasure and service.
Prices of Stieff Sterling ore reasonable and the
choice Of patterns never better.
Sfief Rose
Evening star., 1936-12-20

entertained at luncheon and cards
Tuesday at Toll House Tavern.
A number Of students from various
colleges and universities are return
ing this week end to their homes in
Silver Spring, Woodside and vicinity
to spend the Christmas holidays with
their parents. Miss Nellie Virginia
Hewitt, daughter of Capt. and Mrs.
Frank L. Hewitt, arrived yesterday
from st. Joseph's College, Emmitts-
burg, Md, bringing with her Miss
Anna Marie Formes OF Puerto Rico,
also q student at st. Joseph's, who
will remain as her guest during the
holidays. Mr.. Douglas Dozier, who is
attending Vanderbilt University at
Nashville, Tenn, arrived yesterday to
spend the vacation with his parents,
DR.. and Mrs. Howard d. Dozier OF
North Woodside. The daughter and
son Of Mr. and Mrs. Earl A. Brown
of North Woodside are here for the
holidays. Miss Janet Brown Is at
tending Elmira College at Elmira,
N. Y, and her brother. Mr.. Robert
Brown, Is a student 1t Mount Hermon
Preparatory School, Mount Hermon,
Mass. Mr.. Jimmy Forsyth. son Of
DR.. and Mrs. J. Howell Forsyth Of
Silver Spring, arrived yesterday from
William and Mary College. Williams
burg, Va. He will have as his guest
during the holiday week his cousin,
Mr.. George Mason. jr., Of Colonial
Beach, Va, who Is taking a post
graduate law course at William and
Mary College. Mr.. Hooper Mcqueen.
who is a student at the University Of
the South, Sewanee, Tenn, Is also re-
turning this week end to be with his
parents, Mr.. and Mrs j. Russell Nc
Queen Of Linden, during his vacation.
Mr.. Charles Prather and Mr.. Louis
Rouleau, jr., who are attending Ran
dolph- Macon Military Academy. Front
Royal. Va, will arrive Tuesday to
spend the holidays with their parents,
Mr.. and Mrs. Louis Rouleau of North
Hills Of Sligo. Mr.. Ray Mallory. who
also is a student at Randolph Macon,
will spend the holidays In Silver
Spring.
Mrs. Hiram E. johnson OF Woodside
Park entertained at dessert bridge
Thursday afternoon.
Mr.. and Mrs. Melvin T. Allpress Of
Silver Spring we're hosts at a Christ
mas party last evening. entertaining
the members Of their bridge club.