davidaulloa/AmericanStories huggingface dataset:
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1938-08-08
Brownlow Jackson. l lot Church

! S6.3l: 2 lots OSceola Lake, $4.62
| 3 houses 9TH Ave. West, $l2.6l
/ house Oak St, $8.40; house VII
low Rd., $l6.24; , houses and Z
| lots Temple Terrace. so. As;
lot Caswel St, $l3.44; house
Jonas St., $6.72.
Emily and Harvey Jackson
house Barker Hgts., 1915; L 10
Barker Hts, $1.99.
Floyd A. Jackson, house ThmC
Ave. West, $3.50.
Garland jackson, l lot 5th Ave
T., SS.57.
Garland and Rosa E. Jackson
house 9Th Ave. and King, S38. -
II. G. Jackson, house Willow
Rd.. $5.57.
James Jackson, 25 acres Clear
Greek Rd., $l6.96.
j. ". Jackson, house Churct
St. 2 IA acres on R.R., l-3 OF
two acres. $299.25.
l.. E. Jackson, l lot Church St
$500.
Ninter r. Jackson. house VII
low and Hebron Rd., 1921.
K. NJ. Jackson, house WilIo"
Rd., SAT- u.u
r. $. Jackson. l lot Toms Hill
. acres y. Hills, 5 acres Barker
land. lot Barker land, $685..
T. A. jackson Est, house King
q 81 >G
Jam,n 4 Jenkins. > lots Min.
Home, Sis.
D. 3. Jam.on, 127 acres and
house Rugby. $53.O7.
Mrs F. \. Jamison. > lots Toms
Hill, $500.
". ". Jamisou. 20 acres and
house Johnson prop, $12.4O.
Uma FiShburn Jeffegtel, l lot
Edgewood, $4.2l
Lula T. Jenkins, / lot Laurel
Park, $500.
VI. Z. Jenkins and L. l.. Jenkins
Est. 10 acT,a and house Hay
wood Rd, $2485.
Mr.. Ella John, l lot MI. koy-
al, S6.3I.
Johnson 4 Fike, / lot 9th Ave.
E. $500 bal.
I,brsor Wss4 and # Al I lot
n ' HaItS &ii% ~ '-''O t. 49, ~
Clarence L. Johnson, house Ma
p'' ~ - r,'.nS n T,br.,,, Lot u
nj - ,a I'I 49,. hans. E1.t Fiat
IN tiD,.I, go. an,a L'S,t Fla, Rack
Koch Zoe l acre East @t.,,. .'i u His H;lis
>, ," ! 100 - ''''''
80; -, ,....,r l.t cr.,t.r
n. / III IL. 'o' D. " NV
~ I I'1 49, i-.a.lI lat n Hills
., -. 'A' ''''''~'''' . '
800 rt,.,, T.. Iot Nv
H. 81 ' S .G. hn nSs,, It ~ Ave-
man Is Is go 30 ~ H. n sSSevi Tt' HwV
w. S23'oo, 'ol AS q. 5c - - -
So; 10: l lot locust st., 80 2:,1o
., o., = 'o''i'So" t l.5',, 49,, Gh"e
~ ~, acres ana mouse NOISY ''o''
, ~ r....... , r.l,.,, h,r.o
~; 'I'>. 'C u Il, g. D. Jo' G1I ~ '
N'..% o., H. ~. 49, I1,, q borsa
way ana ,aI!eS J S7 No"Se
Il y '''''Io Ia, ,o,.. r..+ =
hnou so, J0iIi'"oi'' acre E''S'
L'oT", ~ :s.I, p,;.I. -, ~,
Joni'S i3n,.' .ot'S az ~ - IN w. 0
L' "a. a. II - 2D,"0 9 o.r.s and
W. l. JO"t9O"'
- - ~ trI2rnnrc Iobnstop
UtoIS go " W., 'S T,S e. ~
o 'I'' L '''T I,,' ~" b,,,. ,"N k',$t HAT
pa, =. + 81, 'y -, mouse N''' ! :"
No. ~ J. I",n-. lar + Hills
e.. - - S oV'',9' Panj 10 n,onli.ty
-
~ Z Homes : lot Laurel Hts.
-, [sv H,ns hons Sbepherc
'0V o., - ''FN'
d. go So. d. r.,,,;o ro,.s - o,.,..,
D'"SJ u "N"'''N '''~
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1938-08-08
W. $40; | house Allen Street,

! W. ID. JuStuS, lot iLh ave.
T., I lot near Cherry St, l lot
Pace and Williams St, / black
smith Shop, $35.32.
W. II. Justus Est, house S.
Fleming St, $66.S6.
Ray & Sam KAHN, house 5th
| Ave, $53.25.
Sam KAHN, / store bldg. Main
St, $4,000.
Karps. Inc, 2 lots Hebron St,
$6.72; | house N. Main Street,
| $2S.56; , II acres and house Oak
St. $500.
Mary Kashaw and Mrs. Helen
/ Saleeby, bldg. and lot N Main
Mrs. Claude G. Keith, l lot Hy-
man Heights, SSH
Eusebia R. Keith, house Bar
ker St, $2167.
0. Roy Keith, Jr., house and lot
7th Ave. f, $1,000; house and
lot 7th Ave. f., $10.50; l lot N.
! Main St, $757; l lot 7th Ave.
r., $6.&I; ! lot 7th Ave. East,
$6.3I
r. 4. Keith. 10 y acres ShawS
| Creek Rd, $4.45.
". 4. Keith, lot LIST Ave. f.,
1886: , lots OsceoIa Lake. 81 30;
/ E y acres and house Haywood
| Rd.. $60.S8.
K. W. Keith. 3 Ii acres Shaws
Greek Rd., Sl4.6l.
Charles J. Kelly, lot Oak
| Grove Terrace. $3.98.
nellie Kelly | lot Greater Druid
Hirs s.. 30.
( y Gordon kcnna lot Temple
Terrace $500
Kennedy d Vanengcr, / lot
/ 2rd Ave. ". $6.3l.
WIlvs S. Kennedy, | lot For
est Hill, 1886.
Mrs. NJ. S. Kernaghan, l lot x
p lot Laurel Park, S9.67.
7 B. Kernaghan. l lot Druid
/ Hills, $3.50.
Fred 4. Kierstead. , lots Lau-
rel Park. SAG.
Mrs. T. L. Killgore, house
Harris St, $I3.44.
Claude Fitzpatrick, lot Great
e. Druid Hills, $500.
j. {. fitzpatrick. house and lot
State St.. $l792.
l.. F. Fitzpatrick. house Val
Mrs. F. H. kincaid and Son, |
lot Oakland St, $6.7l bal.
A. f. p. King, l - acres and
house Haywood Rd.. $2G4j.
Dalis King, u acre and house
Sanders place, $3.50.
Dollie King. 3-4 acre and house
Fast Flat Rock. Sl3.32.
D. c. King. u acre and house
Clear Greek Rd., 1891.
3. NJ. King, / lot and > houses
3rd Ave. W, $21.72.
Mrs H. NJ. King, house lst
Ave. W. $500.
John King, house East Flat
/ Rock. STAG.
Mrs Marx KIM : i acres
and house East Flat Rock. $9.&S.
Mrs NvtIe X and J T. King,
/ , lots and house Cold Springs PIX,
/ Sg7 81
oscar O KING los mere, near
/ yaIa S24 90
P + King. , lots Sbjpman tract
los
In. VIM Padir Kirk lot
D,li5 His SIII5. ps,3pe 5th
srs + SG7 81. I iot Ed~emont
C,,h CTest FL S&2 80. lot 5th
tTo ~ So rs. ! Store bldg 9TH
Ave- and Main S5Sl2 bal
d., Vim Redin KIRK and Susan
Popers 3 lots Echo Lake l6 lots
Fleetwood 3 lots Laurel Park,
Si2S.SO: / house n Main Street,
$50 40
CIarenc. \ Kite lot Laurel
p,(. go S5g7 "
" ~ -, Tniobt - acres Echo
,ft ! am,nI Pa,,s S3 fS
Mrs A F. Koch. ; lots Osce,
ola Lake SI77
/ r Kohn lot Osceola Lake,
. S5g7
Mrs. Davtona J. kort. l house
Belmont Subdiv, $5.22.
w. H. Krames, ! lots Laurel
Park, $143G; lot Rhod. section
Laurel Park, $5.72; / lots Echo
Mt. Laurel Park, $lo.29.
Z. V. Kuykendall, 10 acres
/ Spartanburg Hwy, $22.79.
W. C. Kuykendall, l house Elm
St, $3.50 bal.
Laborers Building and Loan
Assn, l house Cherry st, $5.46;
1 Flat Iron Store bldg, $ll.lO;
/ | lot Kanuga ST., $l.lG; l lot
Lynwood, STA; l house Whitfield
ST. $4.2l; l house 9th Ave. E.,
S23.52.
Nalv LYMAN Labry, | lot Lyn-
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1938-08-08

L. /. anu HIN S"'''
acres Jake Waddcll, 80 acres Nc
Kinnir land, 20 acres J. NJ. Davis
so &-4 acres J. d. Davis, 2 l.
acres f. l.. Anders, 3 IL acre!
II. A. Allen, 8 IA acres Johr
Flicker. u acres w. n. Flicker, Ct
acres Smith Martin, $265.00; va
rious lots shown by abstract To-
Gated in Laurel Park, $245.GG.
X. |. Lcavengood, house anu
lot Mt. Home, ST..
f.. f. Ledbetter, acre anC
house Brevard Rd., l lot Lcno>
Park, $1,000.
f.. l.. Ledbcttcr, | house ncar
city reservoir. 81 s..
Mrs. Ruth NJ. Ledbcttcr, | lot
Maxwell Subdiv., $l.59.
h. II. and Katherine b. Lee
house and lot Mt. Royal, $3II9.
Miss Allie Legg, 2 lots Echo
No. > Laurel Park, $T2l.
Henry Lehman, 4 lots Echo Mt,
Laurel Park, $l7.89.
Mrs. =. T. Lemastcr, | lot Echo
Mt. Laurel Park, $&.l8.
Leut2 Brothers, | house 5. Ma
pie St. , houses Pine St, warr-
house 9th Ave. f., $9479.
Henry Leslie, , - acres md
house Summcy land, &l.75.
Henry Leslie, heirs, . | : acres
Willow I'd. $l.20. 81 i acre.
Finley land. $lI93.
Houston Leslie, & acre Sum
mcy land, $3.50.
s. Evelyn Lester, ! house Elem
my St, $24G4.
A. Lewis. / lot Druid Hills,
&lI37: ! lot Maple st, $40; J
lot Suuthsidc 5th Ave, 5000.
Mrs. 4. Lewis. house 4th Ave.
and Oak St, &79.25.
Mrs. F.. Lewis, l lot Druid Hills,
81 Sc.
George N. Lewis, lot Noun
tain Home, $6.10
Leonard Lewis, I lunch room
Main St, $3455.
Mis- Pauline Lewis, house
4th Ave. W, $3.50.
Katherine LiclIidcr, 6 lots Pa
lama Park, $3.50.
". II Lilies and Dr.. r. d Ross,
/ lot Echo Nc. l Laurel Park,
&429.
Mrs. l.. 4. Lilly, 2 lots Lyn-
wood. $3.l8.
George K. Lindsay. 20 acres and
bIdcs. Few land, $l9.61.
fl. D. Lind ay. ! lot Druid Hills
%l5I5.
R l.. and ". X. Little, / lot
East Flat Rock. $6.G6.
". K Little, house Oab Street,
2l57 bal.
Fl. c, Livingston. Est, IL acres
HAYWOOD Rd.. $7O.Ol.
John LIVINGSTON. Jr.. 1 acre and
house East Flat Rock, $l2.49.
Naudr Y LIVINGSTON swimming
pooI 3rd Ave and Washington
ST. SIS 90
Il. r Loar. > lots Druid Hills.
So. 7G.
Mrs Laura II. Loar, lot Druid
Hills Sc oG
Richard +. Lock. , lots Laurel
Park, $lGl0
Mr. and Mrs r. r. Lockaby,
house and lot East Flat Rock,
$I4.2l.
Percy IT. John Lock. Est. 3
lots Osceola Lake. &2.l2 bal; -
lot Whitfield St. $g.25; ! lot Toms
Park. $G.72: lot Highland Ave.
.&6.72: ! lot Willow st. $500;
lots Turner Subdiv.. $3.50; > lots
Toms Subdiv.. $IO.OS; ] lot Len
OK Park, $3.50.
". s. Lockman, Jr, 6S acres
and house. $60.55.
John j. Logue, | lot DRUID
Hills, 5000.
". d. Yohman. > lots Pine
View house Fassifcrn Court
The times-news. [volume] (Hendersonville, N.C.) 1927-current, 1938-08-08
houses 1st Ave. W., S2l.O1.


Hills, | house Bird Ave, house and
lot, $272. SO.
w. w. Michux, 2 lots 9Th Ave
and Church, $28.56.
}. T. Milburn, | lot Echo No
! Laurel Park, $3.50.
Mrs. Willie Milholen, house
Chimney Rock Rd., $24.49.
Addie f. Miller, lots Noun
tain Home, $lO.44.
Eunice H. Miller, II acres Clean
Creek Rd., $8.75.
+. II. Miller, 8 l-3 acres CIcal
Creek, $5.l7.
Mr.. and Mrs. +. II. Miller, ono
house Barker land, $40.99.
N. w Miller, 2 acres and :
houses Crescent Drive, $4l.24; !
house Edwards St, $500.
Otis A. Miller, "a acres McMa
han prop, $ll.93.
Percy l.. and Bessie K. Miller
2 lots IlilIpirt golf course, 2 lots
Erskinc Subdiv., 5 lots Osceola
Lake, $174O.
Mrs. Ruth a. Miller, lot He
bron St, $728.
Mrs. G.. j. MlIward, house
Pace St, 1925.
Mrs. Esther BatSon Miner,
lots Pine View Terrace. STA.
f.. MINT, "a acre and nous"
Valley Hill, $751;
f. NJ. Mintz, Jr., u acres
and house OSccola Lake, $ll.Ol
II. f.. Mitchell and wife, 2 lots
and house Miami Terrace, $2O.07.
J. r.. Mitchell, , lots OSc"ola
Lake, %l.5Y; / house Kamu%a Rd.,
$2I$H.
Mrs. j. +. Mitchell, lot High.
land Ave-, $40.
G. G.. Mufritt, ! house Horse
Shoe, $lI.9I.
4. Mondra@on, ! lot Willow kd.
$6.3I.
Francis NJ. Montgomery, lot
Laurel Park, $3.50
Elsie NJ. Moore, h"u&" and lot
Mt. Home, $S.l4.
NJ u Moore. / lot Pine View
Terrace. $2.G2
". G.. Moore, , lott Nrtmm
yuhdiy S5OI
Lloyd L. Morgan, / lot Temple
Terrace S33G
II. X. and Helen Morris, one
house. Grab Greek, $lG.S0.
J. {. Morrow, .I.. 2 lots TEN
pie Terrace. $40; 2 lots Willow
and Hebron St., SSH; lot 7lh
Ave. E.. $IG.S0.
! &. Morrow and G.. W. Brooks.
4 lots CRAB Creek St, $IO.O@, :
lot. Justice 81. SAL bal.
J. G. Morrow, Jr., and j. II
LampIry lot list Ave. West,
$Il.2O
Mr. Marguerite Morrow, ) ~
acres near 9th Ave, $I2.Gl; one
house 7th Ave. f.. $3.50; ! lot
Evening star., 1938-10-09

this scrutiny, my chatter and amless
fumbllngs with the camera cover up
the fact that Pm shooting pictures
and changing film. Once | made eight
shots of woman before she grew
impatient and demanded when | was
gong to begin And the result was the
first portrait she'd ever had which
didn't make her look as if she were
in agony
You can follow this technique with
any kind of camera, naturally. For
ordinary roll-flm cameras simply set
the focus for the shortest distance on
the scale Is or 8 feet), then measure
that distance from the subjects chair
to the camera support or tripod. At
such proximity, however, beware of
distortion; turn the sitter for a three
quarters view instead of head on, and
for full-face shots have him turn his
head toward the camera, not his body.
Better yet. buy an inexpensive por-
trait attachment, which gives you
larger image on the film and minimizes
distortion.
For a background you can use a
gray blanket or white sheet four or
five feet behind the subject - or even
a wall that has no pattern. And for
illumination indoors all you need is
pair of photo flood bulbs. preferably in
re1ectors.
Your lamps should be placed slightly
higher than the sitter's head; one to
the right and the other to the left, but
both somewhat forward of the subject
rather than at exact right angles 1t
helps to have one lamp about two feet
closer than the other.
Lighting, of course, is big subject,
worthy of continuous experiment.
Suffice it to say here that the more
side light you use from elevated
lamps. the more modelling and charac-
ter there will be in the features; the
farther to the front you move them,
the fatter will be the result. Thus, a
child or young girl can stand a
severe side-lightmg; an elderly person
with plenty of wrinkles requires a
f1atter illumination. else the lines will
be exaggerated
You can we'll afford to spend ten
Evening star., 1938-10-09

his house covered with common brown
wrapping paper, thinking that it made
the best background for pictures.
BYRON showed gaudy taste not only
in his dress but in his house furnish
ings. He was always talking about the
beauty of his possessions and how
much they had cost him. His own bed
was gaudy, tawdry affair with loud
hangings and a cornice bearing his
family motto. "Crede Byron"
OECu RHODES loved maps and had
all the rooms in his house hung with
them. He said they inspired him to
dream and plan.
ooHN DENNIS, 18th Century English
author, had the walls of his room hung
with fine old tapestries and then
hacked out many of the faces because
their ferocious expressions gave him
the jitters.
-KAHLEEh MAs1ERsoh
Evening star., 1938-10-09
NEVER SAY "H0LD IT."
by Fulton Williams

A DHEN Professor Draper, Of
" New York University, made
W the first camera portrait a
century ago, the subject had to hold
it" for nearly ten minutes in the
monday sun.
Today even the rankest amateur
can make informal portraits in the
blink of an eye Yet despite all the
technical progress that makes this
possible, most of us manage to get
result as wooden and tense as that
ancient ten-mlnute exposure. Because
those unfortunate words Hold it,
are fatal to decent portrait, nine
times out Of ten the subject freezes
at their utterance and is embalmed in
film rather than photographed.
The best technique for informal
portraits tor close-ups) IS for the
snapshooter to sit beside the camera
and chat with the victim When he
or she is absorbed in your conversa-
ton - amused, intent. skeptical or
whatnot - you shoot without pre-
limlnary warning,
Sitting beside the camera. instead of
standing behind it as if it were a
machine gun, accomplishes two things.
1t eases the subjects alarms and it
keeps the snapshooter' S eyes about on
a level with the lens where they
belong.
In order to trip the shutter un-
noticed you need a reasonably long
cable release, which is inexpensive
Armed with this. | always sit with my
arms folded. holding the release IN
one hand tucked out Of sight. Look
ing the sitter in the eye and chatting
merrily as any dentist. keep the
subject looking at me instead of the
camera until the right expression
comes up - the one most typical OF
the person. He is told he needn't sit
rigid; he can take his ease. talk back
politely of course>; IN short, he may
relax because I'VE shan't be ready
until I've studied the lighting on your
features" This gag simply forestalls
that grim, firlng-squad expression
most subjects assume when you say.
Nov. ready"
Then, sitting beside the camera for
Evening star., 1938-10-09
WE'RE ALL DIFFERENT

WHEN Balzac was making plans
for the decorating of his home at Les
Jardies. he wrote in charcoal on the
walls of each room the list of rich
furnishings he meant to give it. Years
later. the descriptions we're still there
on the walls, but the Aubusson tapes
tries, the cipolin marble fireplaces and
the mosaic parquets had yet to be
installed.
WILLIAM HAzLIrT used the walls of
his bedroom as sort of writer note
book. He had them whitewashed from
ceiling to floor and wrote all over them
half lines of poetry. favorite quota
tions, ideas. etc.
1HE Irish poet Hugh Kelly was so
fond of displaying silver plate on his
sideboard he even added his silver
spurs to the collection.
1HE American author Charles
Dudley Warner had all the walls in
Evening star., 1938-10-09

wise to put your lights closer than six
feet - and nine feet is even better.
Exposure data you can get readily
at your camera store, whether you use
bulbs or daylight The main thing,
however, is to develop the technique
for making portraits painless and,
therefore, pleasingly natural. And the
initial step in that is to discard forever
those petrifying words, Hold itv'
Evening star., 1938-10-09
THIS WEEK MAGAZINE

minutes on some willing subject just
moving lights forward and back and
studying the varying results before
attempting any shots at all. Incident
ally, the farther away the background,
the less shadow you'll have. but the
darker the ground will be. And the
closer your lights are to the sitter, the
blacker the shadows will be on the
neck, under the nose, etc. 1t is seldom
Evening star., 1938-10-09

ment m the seH BLACK MAGIC shade of
TATTOO. Black as night in the stick tyes, sc-
tuallyD.. but the instant it touches your lips
it masically changes TO the exact shade Of teas
ing. pagan RED that your own natural color
ing requires. It's yssr sUs personal iipstick
that will not give the same color TO anyone but
you. Black magic in red! You'll 6nd il ali of
that and more too :. in the way il lasts on
sour lips. hours longer than you'll ever need
il. To-day reEsrdicss of what shade Of lip
stick you've always used try BLACK MAGIC.
You'll find it oh! so much better for your
charm than any you've ever used before! 81
everywhere. Five ether thrilling shades too:
Evening star., 1938-10-09

z A YHEN Professor Draper. of
" New York University. made
the first camera portrait a
Evening star., 1938-10-09
MYSTERIOUS NEW
BLACK LlPSTlCK
The Sinful Block Of o South SEQ Niahs Tho,
Changes On the Lips to q Osvostasins RED
Thot Perfectly Aaotehs. Any Compile xion!

c4 moonless South Sea night. .
black as a pocket -. aVoodoo FIRE
It's the night Of the Love Dance,
during which charm wise maid.
ems conjure the hearts of their
mates s-to-be. Black Magic! And
now. for YOU. all the witch
cry OF this intense South Sea mo.
Evening star., 1938-10-22

can call on its district Federal Home
Loan Bank for advances. Usually
these are on long-term Cup to 10
years. basis, in line with the period
| for the loans the association makes
to home owners and buyers, and Sc
cured by the associations collateral
consisting of outstanding home mort
cages.
Likewise, when investors in the
member association have a greater
than normal need of their savings, as
at certain seasons of the year, the
member can obtain additional funds
from its bank, without having to re-
strict its rate of lending. These bank
advances are made at low rates. Since
the IL district banks may make de-
posits Of their surplus cash with each
other, the operations of the system per-
init the syphoning Of funds from areas
OF temporary abundance to areas of
scarcity. The result is encouragement
OF local business activity which is de-
pendent on home lending and the
construction and sale of dwellings.
Likewise, another effect is toward the
levellng of of interest rates on mort
cages in districts where they may
tend to be excessively high.
Formerly Isolated Unit.
Before the establishment of the
bank system six years ago this month,
the savings and home loan institution
was an isolated unit with no resources
outside its own community. Today
each member institution shares in the
strength of this reserve system, the
magnitude of which is indicated by the
S4,325, 100000 of combined assets of
its members.
For many decades the mutual saw
Evening star., 1938-10-22
Loan Units
{ Continued From First Page.)

the roster Of District members this
year-the newly organized First Fed
eral Savings and Loan Association and
the Northwestern Federal Savings and
Loan Association, formerly the North
western Savings and Loan Association
of Takoma Park, Md.
Other Washington member institu-
tions are the American Building Asso-
citation, Brookland Building Associ-
"ation, Columbia Permanent Building
Association, Columbia Building Asso-
citation, District Building and Loan
Association, Eastern Building and Loan
Association, Home Building Associa-
ton, Home Mutual Building and
Loan Association, Interstate Build
ing Association, Metropolis Building
Association, National Permanent
Building Association, Northeast Build
ing Association, Northern Liberty
Building Association, Oriental Build
ing Association No. 6, Perpetual Build
ing Association and the Washington
Permanent Building Association.
The Federal Home Loan Bank
System was created to link together
the thousands of mutual savings and
home loan institutions in the country
for the benefit of their millions of
savers and investors and borrowers.
Its operations as reserve credit
system enable members to expand their
volume of long-term loans, while main
tanning sufficient liquidity to meet the
needs of their individual investors.
1t is estimated the savings of 100000
Americans are now invested in these
member associations and about 1,60O,-
900 families are paying for their homes
on loans from them.
Workings illustrated.
The actual working of the Federal
Home Loan Bank System was illus
trated today by T. D. Webb, vice chair
man of the Federal Home Loan Bank
Board
THE ideal condition of savings
and loan association is when savings
funds from the public are coming
steadily into its vaults in about the
same volume as the applications for
new home loans," said Mr.. Webb.
When the local demand for loans for
new construction or for the pur-
chase, repair or refinancing of homes
rises to greater heights, the member
Evening star., 1938-10-22
MASS PRODUCTION
OF HOMES IS HIT
Owners Want Houses to
Be Different in Style,
Cheyney Declares.

Mass production of homes is not
the answer to the American housing
problem, G. I. Cheyney Of Bluefield
w. Va, member Of the Board OF
Directors Of the National Retail Lum-
ber Dealers Association. told dele
gates to the construction industry con-
ference Of the United States Chamber
OF Commerce, which concluded here
yesterday.
Emphasizing the danger Of stand
ardizatton, an inevitable consequence
OF mass house building. Mr.. Chey-
ney warned the building Industrial
: lists that uniformity and sameness in
residential designs might prove seri-
Gus deterrent to building progress,
since the average American home
buying prospect still seeks individual
aty in his home.
Generally speaking" Mr.. Cheyney
declared, people do not like houses
OF standard design. Our experience
has taught us that people are in
f1uenced in their ideas about homes by
their training, by their environment,
and by their racial background.
Standardization-to a Degree.
I'VE know that Standardization has
been worked out in many other lines
and lower prices have resulted. We
know that woman will buy and
enjoy an automobile just like her
neighbor's. She will put a radio ex-
actly like hundred thousand others
in her parlor and think nothing of
it, but try to get her to buy and wear
a hat just like her neighbor's. We
believe you know the answer to that
one, and the same thing holds good
with a house."
The representative of the lumber
dealers organization stressed the need
for greater sales effort on the part of
those marketing homes
Competition Is Keen.
Assured that the product is right
and the market is here, local factors
in the building industry have spent
much time this year in developing
sales plans. There is a feeling in
certain quarters that peopler are clam
oring for homes, that it is only
Necessary to construct them at q
reasonable price and buyers will be
standing in line waiting to sign on
the dotted line. So far as our ex-
perience and information goes, this
is not correct. Houses must still be
sold. And they must be sold in COM
petition with many highly desirable
things. Unfortunately, the science or
art of selling homes has not kept
pace with the development of ma
terials and construction methods"
The speaker also emphasized the
. need for coordination of effort on
the part of architects, contractors,
realty dealers and financial institu-
tions in the marketing of homes. He
advocated, Also an educational pro-
gram that would acquaint prospects
with the simplified methods of home
and property improvement financing
now available.
Evening star., 1938-10-22

ings, building and loan associations of
this country have financed the ma
jority Of our small homes, enabling
people Of moderate income to pay for
their properties out of their monthly
earnings without undue sacrifice.
"The member thrift institutions of
this great reserve system. now almost
1000 and located in every State, are
in a stronger position to assist the
families desiring to live in their own
homes.
"On the other hand, they also serve
those persons seeking investment for
their savings at a substantial rate Of
return. The savings of the local resi-
dents are pooled In the thrift associa-