davidaulloa/AmericanStories huggingface dataset:
Evening star., 1937-06-12
MORTGAGE POLICY
ATTITUDE SHIFTS
Practices of Many Firms In
f|uenced by Experience
of n. A.

1.-THE practices and policies OF many
mort gage lending institutions have
been greatly Influenced and nodded
along new lines during the past two
and a half years as result Of the ac-
tivities of the Federal Housing Admin
istration," declared A. j. du Bois,
chief of the valuation union Of the
underwriting division of the Federal
Housing Administration, before the
University of Florida at Camp Roose>
welt, Fla.
The university is conducting a
course in real estate in cooperation
with the Florida Chapter OF the Amer
lean Institute OF Real Estate Boards.
Mr.. du Bois' subject was The Fed
eral Housing Administration Risk
Rating and Valuation System"
This influence, he said, has been
very largely due to the widespread
recognition on the part of such in
stitutions and on the part of the peo-
pie in general who are interested
In one way or another in the con-
struction, financing and marketing Of
residential properties, and because of
the excellence and soundness which
characterizes the principles under
lying the Federal Housing Admin
istration risk-rating and valuation
systems.
Loan-Value Ratio Inadequate.
LAS a result of the prominence
given by the Federal Housing Ad-
ministration activities to the idea Of
mortgage risk rating" continued Mr..
du Bois, "and as result of the wide
dissemination Of knowledge Of the
various elements OF mortgage risk
considered in the analyses made by
the Federal institution, the under
standing has gained strong foot
hold that intelligent decisions re-
garding contemplated mortgage-loan
transactions cannot be made on the
basis Of computed loan-value ratio
alone
The administration, through its
risk-rating system, has emphasized
the fact that mortgage risk is an en-
tity capable Of measurement in rela-
tive terms and that its measurements
necessitate not only Investigations Of
borrowers. properties, locations and
neighborhoods but that it also re-
quires a means whereby to express in
comparative terms the degree to which
mortgage risk is created or influenced
by existing and prospective conditions
relating to these matters.
The administrations risk-rating
system enables differentiation between
mortgages that are sound and those
that are not sound. A sound mortgage
Is one in which the risks or trouble
and loss are outweighed by the prob
abilities that the mortgage obligations
will be met in accordance with the
terms of the mortgage instrument, and
that loss will not be experienced if de-
fault and foreclosure shall occur; an
unsound mortgage is one in which the
risks of trouble and loss outweigh the
probabilities mentioned. Obviously,
all mortgage lenders are vitally inter-
ested in estimating these risks and
probabilities. The Federal Housing
Administration system is designed es-
pecially for this purpose, and the ex-
perience OF the past several years
points to the conclusion that the sys-
TEN Is eminently successful In accom-
Evening star., 1937-06-12

either for mortgages or mortgagors
to consummate. Discovery OF such
situations is just as much a service
as Is the insurance Of mortgages that
are found to be sound.
LAS the mortgage insurance pro-
gram Of the Federal Housing Admin
Stration gains more and more support
and acceptance, it exerts greater and
greater influence In creating a resi-
Dental mortgage structure which is
sound-that IS, one In which the like
lihood Of loss to home owners and to
mortgage lenders Is minimized,"
Evening star., 1937-06-12
F. H. A. MORTGAGE
VOLUME INCREASES
Those Accepted for Insur-
ance in First Five Months
Total $197,732,626.

At 81 per cent increase in the VOL
ume OF residential mortgages accepted
for insurance by the Federal Hous-
ing Administration during the FIRST
five months OF this year, as compared
with similar months OF 1885, was re-
ported today by Federal Housing Ad-
ministrator Stewart Mcdonald.
Mortgages accepted for insurance
from January ! to June l amounted
to $197,732,626. For the same months
of last year these amounted to $780,
427,14 May totals Of $44,387, ,A26 ex-
ceeded May OF last year by approx
mately 100000.
Cumulative totals for the two and
half years Of operation show that
Evening star., 1937-06-12

mortgage system, during the first f,ve
months Of this year increased rap.
idly" Mcdonald said. while the
number and value of mortgages ac-
cepted during May declined slightly,
as compared to April, this appears to
follow the general countrywide fuc-
tuation In residential building dur
ing the period.
Building permit figures for May
are not yet available. but every indi-
cation points to a slight decline In
Evening star., 1937-06-12
Wallboard Partitions.

In many Summer cottages several
types Of wallboard are used for room
partitions. Wallboard makes excellent
partitions. When painting such sur
faces for the first time, special
sealer should be used as the first
coat. This may then be followed by
one or two coats Of inside fiat wall
paint or semi-gloss wall paint.
Evening star., 1937-06-12

the administration has accepted for
insurance approximately 100000 res
idential mortgages, amounting to
more than 8o6,000,000.
In making public figures on the
volume Of business transacted, Nc
Donald also reported that As OF June
l debentures have been issued cover
ing insurance on 26 properties which
have been foreclosed by mortgages
and turned over to the administrator.
Operations under the insured
Evening star., 1937-06-12

the number and value Of new houses
built.
"On the rs properties which have
been foreclosed and conveyed to the
administrator, debentures OF 31l0,489
have been issued to mortgages.
Fourteen Of these properties have
already been sold, and debentures on
five of the properties, in the amount
OF $20,667, have been retired, leav.
ing debentures outstanding as Of June
l in the amount OF $B9,822."
Evening star., 1937-06-12
Pull-0ut Shelves Handy.

Pull-out shelves are a great con-
venience In the linen closet. Towels,
table linen and pillow cases may be
located without disturbing the neat
ness OF the place.
The Waterbury Democrat., 1937-08-31

would have six. The second ward would have seven instead of four, the third ward would have II inc stead of eight, the fourth ward would have four instead of three, and the fifth ward would have seven instead of five districts.
 Designating
 The committee voted to recom- mend that after the ridistricting plan Is adopted the districts be des- ignated by both ward and district number. Under this plan, the first ward would be divided Into districts listed as l-i, Ia, l-3, etc. This plan Is used in Hartford and other cities.
 The districts will each contain approximately l,600 voters. A dis. trict of only 800 voters k proposed for Bouley Manor, the committee feeling that this section Is rapidly growing and will have as many voters as other districts in Q few years.
 OAVy OtSKh SVkAi 6s GAbAAsAAAAASD was instructed to have Q map pre- pared showing the proposed new dis- trict aiignments. The committee will hold its next meeting when this map is completed.
 Corporaton Counsel Charles g. O'Connor submitted to the comrait- tee an opinion that ward lines could be crossed in laying out voting ds- tricS. The committee, however, plans to adhere to the ward lines.
 Sub- Committees
 Members of the subcommittee were praised for their work by City Engineer Robert A. Cairns, chair- man of the redistricting committee.
 Members of the subcommittee for the first ward were Charles Schmidt, William J. Pape and Charles Sciullo; second ward. Harry J. Beardsley. Clark II. w. Newton and Charles E. Hart; third ward Joseph o. Wilhelm, Edward J. Kelly and Clarence v. Balanda; fourth ward, Patrick J. Wallace and Serge Belanger; fifth ward, '. Vim. cent Maloney, William M. ooss and Patrick Healey.
The Waterbury Democrat., 1937-08-31
ROSH HASHANAH STARTS MONDAY
New Year Holy Day Serv. ices Planned By Local
 Jewry

Ushering the Jewish year, 60o8, the blowing of the rain's horn in synagogues throughout the world next Monday, (sept. 6, le3D will call adherents of Judism to refiec- ton and repentance. Religious ser- vices on two days for Orthodox Jews and on one day for Liberal syna- gogues will be held in observance of this new year holyday, known in Hebrew as Rosh Hashanah.
 Since the Hebrew day k reckoned from sunset to sunset, the holy- day begins this year on Sunday evening, Sept. s. Rosh Hashanah literally means "the beginning of the year" and marks the start of the season known in Jewish tradi. ton as the Ten Days of Penitence.
 During this season. Jews gre re. minded that all mankind passes in judgment before its Creator, and are called upon to judge themselves, re. pent, and 90 forth with new resolve for righteous action in the year which faces them. The 10 days of penitence find their climax in Tom Kippur, the day of atonement and the season as . whole s the most important in the Jewish religious calendar.
 The traditional greeting for this holyday B May you be inscribed for c good year." This form of ad- dress goes back to 6 poetic thought of the deity as writing in . huge ledger the various fortunes assigned to each of His children.
 Jewish legend declares that the world was created on the first day of Tbhri. Thus Rosh Hashanah iS referred to in the Orthodox prayer book as "the birthday of the world" The days background is therefore one Of universaiisnn and not of par. ticulArisfa.
The Waterbury Democrat., 1937-08-31

lcirculation department of the Seattle star have filed suit In superior court for s2so.ooo damages against the American Federation of labor, three of It's officers, and Mayer John 2. Dore.
 Their complaint charged that the defendants conspired Go have them discharged from their positions.
The Waterbury Democrat., 1937-08-31
Compensation Agreements

Goldsmith Chatfleld Company and Martin Calling. finger injury ei3.0i for 2S 1.3 weeks.
 T. c. Smith Company and Le. ander T. Bernier, back injury, si6.s8, August 5.
 Valley Roofing Company and Joseph c. Paonessa, finger injury, eil.il, July 2i.
 scovill Manufacturing Company and Harry Hoethke, settlement of 9i3Al4.
 U. S. Rubber Company and John Trovers, hernia, Si4.4e, July 16.
 Fulton Markets, Inc, and Michael BarblerL knee injury, ei3.S0, August %.
The Waterbury Democrat., 1937-08-31

The suit resulted from a ssriks Of star employees, which followed what the management termed a jur- isdictional dispute between an AZ. of l.. union and committee for in- austrian organization union for con- trol of circulation department workers.
 A. r. of L. officials named specifi-
The Waterbury Democrat., 1937-08-31
ANOTHER ATTACK
 AT FORT DEVENS

Fort Devens, Mas, Aug. 3i-(Up) --vor the second successive day the first army launched c dawn attack on mythical foreign expeditionary forces entrenched in Drockton.
 Driven back from Notifications along the Taunton rivers east bank, black forces sought to retain ter. Titory already occupied during their first offensive on 12 eastern states and the District of Columbia.
 Street fighting, more bitter than when the invading army captured Drockton last week, marked today's battle.
 Machine gun nests and snipers inc
The Waterbury Democrat., 1937-08-31

fssted nearly demolished shoe tao. tories and city buildings.
 Meanwhile at Fort Devens a staff of officers worked vigorously over nnock-war game strategy where- by they hope to solve defensive and offensive problems that would inc sure victory over any real in- vader.
The Waterbury Democrat., 1937-08-31
Committee Proposes
 g Voting Districts
Tentative Plans Outlined at Meeting Yesterday; Ward
 District Designations Favored; Map Ordered

Plans for redstricng four of the citys five wards submitted to the mayors nonpartisan redisrcting ittee by subcommittee which had been studying district layout problems. The subcommittee for the third ward has not yet completed it's work but will submit it's reco
 mendations within few days Temporary plans of the mittee would give the city S2 voting districts instead of the present 2O The first ward which has three districts
The Waterbury Democrat., 1937-08-31

Bernd Rosemeyer Of Germany winner of the Vanderbilt Cup Race, averaged 02b64 m. D. h. for the 300- mile run. His average, was i00 m. D. h. on the straightaways.
The Waterbury Democrat., 1937-08-31

cally as delkndanlS Wofs W2|lAas Green. president nf the A h
 Dave Beck. international s,ce-ptsas lden, and Leo Flynn. an orsAnl1eE
The Waterbury Democrat., 1937-08-31

reaf-cuttinr ants erOw mush- roms for food, and when an ant queen flies away to found 8 neN mushroom crop.
The Waterbury Democrat., 1937-08-31
FEDERATION OF
 LABOR IS SUED

Seattle. wash, Aug. si--CUP)-- Eighteen former employees in the
Evening star., 1937-04-27
Report for Last FL Hours.

Record for Last 24 Hours.
From noon yesterday to noon today
Highest. 80. at noon today: year ago,
81. Lowest. As. at 3 am. today: year
ago. A.
Record Temperatures This Year
Highest SO, on April is; lowest, 49, on
February 2S.
Humidity for Last "a Hours
tFrom noon yesterday to noon today)
Highest, eb per cent. at s pm yes
day,
Tide Tables,
Evening star., 1937-04-27
1872 DAUGHTERS
NAME OFFICERS
Andre La Fargue Will Make
Principal Address at
Banquet Tonight.

Business sessions of the annual
convention of the Daughters of 1872
began today at the Willard Hotel
with the nomination of new national
officers as the high point of the pro-
gram.
Andre La Fargue, commander of the
Legion of Honor of France, will make
the principal address at the society s
annual banquet at the Willard to-
night.
The War of 1872 is of value to
America because it heralded for1na-
tton of national spirit and was the
chief factor in weakening State su-
premacy, making way for the Federal
Government, H. l.. Ponder of Little
Rock, Ark, told the daughters last
night at a pre- e-convention meeting.
''The War of 1912 made this Nation
strong and great, until today it has
come to be the example and citadel OF
freedom" he said.
Floods prevented arrival of DR.. Earl
E. Harper, president of Simpson Col
"NSS' "Ait eiiC olllCi SIlltl SPEAKER I0I
the opening session His plane was
grounded in Philadelphia.
More than 500 delegates from al
parts of the country attended las1
nights gathering, which opened with 6
colorful procession led by Mrs. Johr
Francis Weinmann, national president
Pages in white satin dresses and 6
parade of State flags preceded invoca.
ton by Mrs. Harper Donelson Shep.
pard, national chaplain
Miss Dorothea Lawrence, soprano, O.
the Stephen Decatur Chapter in Plain
field, N. j., rendered several voca
numbers.
Mrs. Lane Schofield president of thu
District chapter of the organization
was in charge of the reception which
followed the session, assisted by Mrs
Theodore Tiller, Mrs Sol Lansburgl
and Miss Ann M. Alexandria, first ma
tional vice president, all from the Dis
trict.
Evening star., 1937-04-27
FUNERAL INSURED
VICTIM OF ATTACK
Man Identified Only by Security
Card to Be Given
Rites Here.

The offer of local undertaken to
provide Christian funeral service for
Joseph Walls If some one would fur
n!sh burial plot was answered today
by person who asked that his name
not be mentioned.
w. K. Huntemann, the funeral di-
rector who made his offer Sunday, said
the plot donated is in National Capital
Memorial Park Cemetery.
Walls, who was identified by social
security card. died in Gallinger Hos
pital early Saturday after being found
unconscious at Third street and Penn
sylvania avenue.
Police have been unable to locate a
Miss Helen Walls OF Cleveland, whose
name was mentioned in the records of
Evening star., 1937-04-27
DEMONSTRATION PERMIT
May Day Committee Accorded
Right to Meet in Park.

May Day Committee Accorded
Right to Meet in Park.
The United May Day Committee OF
Washington yesterday was granted a
permit by S. Marshall Finnan, super
intendent Of the National Capital
Parks, to hold a mass demonstration
in Franklin Park, Thirteenth and K
streets, on the afternoon OF May !. The
permit was issued in the name of Alma
Curry, chairman OF the committee.
The committee, with headquarters at
1902 Fourteenth street, said, in a
statement: May day observed simul-
taneously by organized labor through
out the entire United States, first was
the inspiration of a local labor body in
this city about half a century ago, and
this year Washington labor will be
enabled to celebrate this historic day
in fitting and adequate fashion by the
use OF amplif1ers and speakers plat
form-a privilege that has not before
been granted.
Evening star., 1937-04-27
TRAFFIC ACCIDENTS
REPORTED fewer
Colored Woman Is Only Seriously
Injured, Police An.
nOunce

Despite treacherous driving condi-
tions, traffic accidents in the District
last night were below the average.
police reported.
Esther Williams, colored 65, of
l06l Potomac street, who was struck
at Potomac and M streets by an auto
mobile driven, police reported, by
Feling York, As, of Soldiers Home,
was the only person seriously injured.
She was treated at Georgetown Hos
pital for possible skull fracture and
hip injuries.
lie Roy Wilson, l3. colored, 1924
Fourth street, suffered a fractured
right leg when struck at First street
and New York avenue by an auto
mobile driven, police said, by George
A. Bedford. 80, of 1101 Euclid street
Two persons were injured when
automobiles driven by Frank w. Nefl
OF Berea, Va, and Thomas Parker
colored 2205 Champlain street, col.
llded at Fourteenth and v streets
Bertha Neff, Is, and Parker were
treated at Garfield Hospital for cuts
and bruises.
Mrs. Maude Ferguson, 10, of 343;
Porter street, was bruised and suf.
Tered shock when she was struck al
Pennsylvania and East Executives ave.
nues by an automobile driven by Ev.
erett Samsel, 10, of l131 Park plac,
northeast. Police said Samsel wa.
backing into a parking place
Everett Price, %, of 1859 Quinc,
street, suffered fractured skull wher
his automobile skidded and crashed
into another car near Crozet, Va. H,
was treated at the University of Vir.
ginia Hospital at Charlottesville. Mrs
Jack Thurston of Charlottesville, who
was riding with Price, suffered Sigh
injuries.
Evening star., 1937-04-27
THE WEATHER

District Of Columbia-Mostly cloudy
tonight and tomorrow: not much
change in temperature; gentle shifting
winds, becoming westerly.
Maryland-Mostly cloudy tonight
and tomorrow; not much change in
temperature
Virginia-Partly cloudy tonight and
tomorrow, possibly light frost in ex-
treme southwest portion tonight;
somewhat warmer in west portion to-
morrow.
West Virginia-Mostly cloudy to-
night and tomorrow; slightly warmer
IN west portion tomorrow.
River Report.
Potomac and Shenandoah Rivers
very muddy and 2812 feet high; rising
inches an hour at Harpers Ferry,
w. Va, at 8 am. today
Evening star., 1937-04-27
| KANSAN IS NAMED
| AS HEALTH OFFICER
DR.. Harold G. Brown Accepts Post
in Arlington County,
Hanrahan Says.

DR.. Harold G. Brown, for II years
health officer Of the State of Kansas,
today accepted appointment as health
officer Of Arlington County, Va, ac-
cording to an announcement made by
County Manager Hanrahan.
Hanrahan said that DR.. Brown &C.
cepted the appointment by telegram
this morning, and is due to assume
his new duties on May IL next.
Evening star., 1937-04-27
NEW GUMS UNVERIFIED
Chinese Report Thought Enron
eous After Investigation.

PEIPING, April 27 lR.-Confirma-
ton was completely lacking tonight of
the reported birth of quintuplets to a
peasant woman at Luansiehn, 100
miles northeast Of Peiping-the native
newspaper which originally carried the
report, attributed to radio broadcast,
was unable to verify ii; independent
inquiry elected no supporting in
formation. and it was believed the re-
port, therefore was erroneous.
Evening star., 1937-04-27

a construction company for which
Walls had worked in January.
Huntemann said funeral services
will be held later this week He plans
to wait few days to see if Miss Walls
can be located.
Evening star., 1937-04-27

approximately $4,000 homicides are
committed in the United States each
year.
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1937-06-16
HUNDREDS CIVILIANS
ARMED WITH PISTOLS

JOHNSTOWN, Pa. June 10
(UP). Mayor Daniel J. Shields
last night announced a march
back-to-work" movement in the
strike-bound Cambria plant of the
Bethlehem Steel Corporation will
begin today as he armed hundreds
of vigilantes with pistols and
clubs.
Shields said the 5000 vigilantes
that he expects to have sworn by
Friday night will remain outside
the strike zone to "protect homes
and property" but additional state
police sent here will have Com
plete charge of picket lines"
Shields announcement brought
a prompt reply from David Wat
kins, sub-regional director of the
Committee for Industrial Organ
ization here, who announced:
"There won't be any march on
the plant as he says. We will hold
our picket lines
The strike. called bv the Steel
Workers Organizing Committee to
force Bethlehem to sign a union
contract, has been marked with
almost incessant outbreaks, eli
NAKED last night in a pitched bat
tie between pickets and city po-
lice in which two men were criti-
cally hurt.
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1937-06-16
DEATH TAKES REP.
CONNERY OF MASS,
(Cont;nued from mage one

Continued from page one)
was chatty, and loved by all. As
chairman of the labor committee
he fought for passage Of a 30
hour work week bill.
On the last day of every SEES
sion he went back to his stage
profession and tap danced in the
house chamber. AS he danced he
had the band. always present on
adjournment night, play Made
lon" His tenor voice always rang
out in accompaniment.
In his office were the pictures
of him as color bearer of the Yam
kee division and shot Of him be-
side the Stars and Stripes.
Besides acting as chairman of
the labor committee, Connery was
a member of the committees on
patents, revision Of the laws. and
World War veterans legislation.
Announcement of his death on
the house floor brought groans of
distress from both Democrats and
Republicans.
The house recessed until noon
today after Connery's death was
announced. When it reconvened
Speaker william B. Bankhead was
expected to appoint delegation
to attend the funeral. The house
was to adjourn for the day out OF
respect.
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1937-06-16
Late Resident.
of Etowah Among
Church Founders
Mrs. Mary Ann Hood Eng
lish Descended From
Pioneers

Mary Ann Hood was born in
Pennsylvania county, Dec. II,
1S71-daughter of Montraville and
Mary Morris Hood-and was mar
ried to Charles 0. English Dec. |,
1892. To them were born three
children: Arthur, of Charlotte,
Raymond of Chattanooga, Tenn,
and Mrs. Lou English Turner of
Etowah. She died at her home
near Etowah, May Is, 1887.
She was a devoted wife, faith
full mother, n consecrated Christ
ian. Descended from the best pio-
neer stock of the French Broad
country, the Davidsons and Nor
rises, and others like them, her
life was full of sterling qualities
of her God-fearing forefathers.
"She opened her mouth with
wisdom; and in her tongue was
the law of kindness.
"She looked well to the ways of
her household; and ate not the
bread of idleness."
oHc dlJcHucu ASHcNlllS Shi"iN
College, and was charter men,
Der of the Etowah Presbyterian
church and had taught in the
Sunday school for more than 20
years. The little children loved
her. She was the first president of
the Etowah Woman's Auxiliary,
and she was its secretary and
treasurer at the time of her death.
When a truly good man or wo-
man dies after long life of good
ness, many see afresh how worth
while it is so to live. And we who
knew her are saying now, "The
thing to do with life is to live it"
as she did, with gentleness;
with kindness, with grace.
Like Dorcas of old, she was
"full Of good works and aims leeds
which she did," and at her death
many were remembering her kind
ness throughout the years.
She blessed her home, her
church, her community. And to-
day her husband, her children and
her neighbors arise and call her
blessed!
"The thing to do with life is to
REV. w. S. HUTCHINSON.