davidaulloa/AmericanStories huggingface dataset:
Evening star., 1938-10-08
27k55$$;;?z7@;55B

formerly required. 1t all sounds very
logical, and. we are glad to say. can
be done at surprisingly low cost.
WHILE we are on the subject of one
W kind of water did you ever stop
to think that 1t might be a good
idea to do something about the water
in your homes heating system? AS
you can easily see. the water which
must be heated in the boiler down
in the basement undergoes a pretty
strenuous ordeal. 1t is brought up
to a high temperature by an eager
fire, either makes steam or passes up
into the pipes itself, where it Is cooled
and returned for another heating.
While all this is going on the chances
Evening star., 1938-10-08

reports likewise q substantial fall-on
in the percentage Of real estate owned
to total assets. Reserves, in this cross
section Of the thrift and home financ-
ing business. showed about the same
as i've years ago, in spite Of sub
stantial write-offs occasioned by bad
times.
According to the consolidated bal
ance sheets Of these institutions,
representing the Midwest, Southwest,
Atlantic seaboard and New England,
cash and Government and other legal
bonds constituted 5.63 per cent Of
total assets this past June 80, as COM
pared with 2.3 per cent for the same
group Of associations five years ago.
The decrease in real estate owned has
been from 11.6 per cent Of total as
sets to 9.53 per cent.
The league points out that another
half Of per cent of total assets OF
these associations is deposited In the
Evening star., 1938-10-08

lard water seems to be one OF
IL those things which people
take pretty much for granted
Il and don't bother to correct.
They seem to figure that it was made
hard and should be left that way, like
daylight saving time and regular time,
when in reality they could save them
selves lot of trouble and money by
the simple process of softening 1t.
That, OF course, is the answer to this
seeming carelessness, because in the
past 1t was rather an expensive job
to take the hardness out.
No home need suffer from hard
water these days. however, because
steps have been taken to provide even
the most modest household with equip
ment which will do fine bit of soften
ing at very nominal cost. If you
want to have large unit installed to
condition the entire water supply of
your house, be it large or small, it can
be done. You can also obtain a small
portable unit for very small apart
ment if you so desire.
There is a new portable unit avail
able now which will soften the water
as 1t comes out of the faucet, making
1t possible for you to use it all over
the house from laundry to bath. The
whole unit consists of small metal
container with 4l2-foot length of
hose attached to one end. Inside the
container We have supply of water
softening compound which extracts
the hardening materials in the water
as it passes through into the bathtub
or wash basin. This compound will do
the trick on a considerable quantity
OF water, and then must be rejuve-
mated by passing salt water through.
They say that by using such a
water softener whenever you have to
do any washing around your household
you can save considerable amount of
money in soap which otherwise would
have been used to lash the water into
a fine lather. Then again you can
well imagine the amount of labor you
will save when gentle sloshing in soft
water replaces the violent agitation
Evening star., 1938-10-08
100000 HELPED
BY REPAIR LOANS
Deals Insured by F. H. A.
Now Run at Rate of
100000 a Day.

Nearly 100000 home owners anc
small businessmen have been enabled
10 repair, modernize, or otherwise i'm.
prove their properties under the Fed
eral Housing Administrators prop
erty improvement loan insurance pro.
gram, Administrator Stewart McDon-
aid announced today.
This number is being increased al
the rate of approximately 10000 a
week
Insurable property improvement
loans are being reported currently at
the rate of about $1,O0o,0O0 a day
These loans, all supplied by private
capital, average $45 each. and F. H. A.
officials pointed out that proceeds go
rapidly into circulation for the pur-
chase of materials and the payment
Of wages.
The value of the property improve
ment loans reached total of $685.
232,554 on october l. OF this amount,
$560725,6l9 was loaned prior to April
l, 1887, when the original Title I
program was permitted to expire On
February 3, 1888, this part of the Ma
tional Housing Act was revived in
amended form by Congress, and since
that date 227,515 loans, amounting to
,506.935, had been accepted for
insurance.
Approximately 1925 lending insti-
tutions are now actively participating
in the property improvement loan pro-
gram. Altogether, more than 4,600
institutions have been qualified by the
Federal Housing Administration to
make these loans, including CONNER
cial banks, building and loan aSSocia-
tions, finance companies, mortgage
companies, life insurance companies,
etc.
Under the Property improvement
Credit Plan, any person with salts
factory credit standing may apply to
institutions of this kind for funds with
which to improve, alter, or repair resi-
dental or producing property.
A borrower must own the property or
have lease upon it running at least
six months longer than the term of
the loan.
Property improvement loans may be
used for structural improvements and
repairs such as painting, roofing, re-
flooring and the like, and for rehabili-
tation such as rewiring and the in
stallation of new plumbing and heat
ing systems. All kinds of properties
may be improved, including homes,
farms and business properties such
as apartments, factories and stores.
Loans to be eligible for F. H. A.
insurance must be used for making
permanent improvements to property.
These may consist of various kinds of
installations, as well as fencing and
landscaping and other work of fixed
nature. Temporary or movable equip
ment is not eligible for purchase and
installation with property improve
ment loans. Certain types of small
buildings also may be constructed with
the proceeds of these loans.
Property improvement loans are re-
paid in equal monthly installments in
most cases, with provision for other
regular intervals of repayment for
farmers whose income is received sea-
sonally. They may have maturity
Of as much as three or five years.
Evening star., 1938-10-08
REALTY ISSUES SINK
Upturn Expected Now That War
Scare Declines.

Unsettlement in all markets over the
past month had its effect on the price
OF real estate securities For Sertor1-
Der the Amott-Baker realty bond
price average shows a decline o. IL
per cent on the basis of the market
action of 200 representative issues.
1t was generally believed that war
in Europe at this time would have had
a very unfavorable effect on the pros
poets of the New York World Fair. A
large per centage of the issues in
cluded in the average stand to benefit
greatly from successful fair. Hotel
issues during the month slumped 80
per cent as result of these fears. In
view of this situat ton, the investment
mouse does not consider the general de-
cline of the entire average of great i'm
portance. In fact, it appears likely
with no further complications, that
Che upward trend of the past months
will be resumed in October Even dur
Ing the past month SO issues increased
IN price, so remained UNCHANGED at
the close and only 81 declined
Evening star., 1938-10-08

Federal Home Loan Banks, on both
time and demand bases. This consti-
tutes another line Of cash reserve for
the savings and loan institutions,
bringing their percentage Of liquid re-
sources up to nearly three times its
stage In June, 1888.
e. C. Baltz, Washington, president
Of the United States League, says that
the question is receiving unprecedented
attention from savings, building and
loan association managers at the
present time. This years work Of the
Committee on Trends Is concentrated
on the investment side of the business
and the availability Of funds which
association investors demand today.
This committee will report its findings
to the national savings, building and
Evening star., 1938-10-08
loan convention in Chicago in Novem.

loan convention in Chicago in Novenl.
Der.
Mr.. Baltz points out that savings.
building and loan associations paid out
some $4,000 900 in cash with
drawals during that five-year period,
making this contribution to the re-
covery experienced in those years, by
expanding the purchasing power of
individuals who had saved for a rainy
day. Today's policies in keeping cash
percentages and secondary liquid re-
serves higher than in tne past look
toward increased ability to provide this
outflow to investors who need their
savings to supplement incomes, start
new businesses, or for any other pur-
pose, such as down payments on new
homes.
Evening star., 1938-10-08
LOAN ASSOCIATION
L|QU|D|TY RAISED
Organizations Have Doubled
Percentage in Five Years,
Report Shows.

The doubling Of their percentage
of cash and liquid reserves to total
liabilities in the five years between
June 30. 1888, and 1898, is seen in q
comparison Of the balance sheets of
representative savings, building and
loan associations for the two mid-year
dates. The United States Building
and Loan League, presenting the
statistics which reflect changing policy
and needs during the half decade fol-
lowing the depth of the depression,
Evening star., 1938-08-09

THE chances are that. no matter
how careful you are, an accident
will overtake you at q strange dinner
table some fateful evening. As long
as water, coffee and jam exist, there
will be shrek Of warning, a deluge
and a messy tablecloth. How you
handle a painful situation of this type
often means the difference between
an unfortunate accident and an ex-
hibition Of bad manners.
Simply turn to the hostess and say
I'm sorry" She will then take the
situation IN hand, tell you that 1t
really doesn't matter-whether 1t does
or not-and take steps toward patch
Ing up any damage. Forget about the
whole thing and keep it out Of the
conversation.
If you're at restaurant table when
the tragedy occurs, let the waiter
take charge of the situation.
And If the mistake of some one else
damages your clothing, be a cheerful
good sport about it. Nothing is gained
by grousing.
A friend Of ours recently had soup
poured on him by jittery waiter
Instead Of breaking into the expected
indignant outburst, he turned to the
apologize waiter, saying quietly: I'm
sorry, but that's not my soup. I or
dered the consomme''
Nonchalance is the right word.
Tips on Tips:
AS long as the tipping system re-
mains the scourge of the Nation, 1t
is only fair to play BALI with the
restaurant employees, who must depend
on it to fatten their wages.
The usual tip for waiter is 10
per cent of the check when 1t is
fairly large. Most young people, eat
ing alone, leave 10 or IS cents (de.
pending on the service given and class
OF restaurant) when the check is less
than a dollar. A quarter is usually
considered the correct sum when two
people are eating together with the
food all on the same check.
When checking your hat and coat,
10 or IS cents depending on the
number Of articles checked) is the
correct sum to tip. The attendant.
usually lovely blond. will probably
have several quarters in plain sight.
Don't be taken in by this "bait!"
Copyright. 1889
Evening star., 1938-08-09
Dorothy Dix Says
Parents Should Let Children
Select Their Own LifeW0rk.

EAR DOROTHY DIX: am
a girl of II, still in school,
My parents are making me
Evening star., 1938-08-09
To Beautify
Shoulders
And Neck
Follow Exercises
By Application
Of Rich Oils.
By PATRICIA LINDSAY.

As THE mode changes We refashion
our bodies! No wonder men mar
vel at US. One year We are without
chests. The next We develop nicely
rounded bosoms! If the walking vogue
is . slouch-we slouch and allow our
shoulders to grow rounded! Just bring
on the style and We grow into it!
Honestly, We are queer, We Of the
female sex But at last only good
posture and regal carriage is fashion
able. Thank heaven for this era's style
for now We must learn to walk erect
with easy grace. Our shoulders must
be firm and lovely to set on the new
strapless gowns and swim suits. Our
necks, usually neglected, must be BEAU
tiful. as appropriate pedestals for
smartly coiffured heads. Hair sweep
ing up into . cluster Of curls with
tsntalizing ringlets In back of our ears.
Yes. 1t is practically the Gibson Girl
period returned. and we might con-
ceivsbly look forward to wasp waist
lines!
A few brief rules for keeping the
neck beautiful. Scrub 1t each morning
with . rich. deep lather and body
brush. using . light rotary movement
Rinse 1t WELL Dry we'll. Powder with
the same shade of powder you use for
your face. Remember, your neck Is
= continuation of your face!
At night cleanse 1t with q light
cleansing cream. Then. with an up
ward movement. massage the Skin
we'll. using . rich. nourishing cream
or q bit Of mineral oil.
Whenever you think to do it. exer-
else your neck by bending it forward
and backward and rotating 1t slowly.
There Is no beauty in hollow shoul-
ders or . skinny neck. You develop
them through exercise and eat enough
to 1lll them out. A simple exercise does
wonders for both: here it Is:
Lie on your stomach across . chair
balancing the body carefully with feet
and arms extended. Move your arms
Is II you were swimming the breast
stroke. Out straight-slowly to the
sides-back until you feel q pull on
your shoulder blades. Relax after 4
minute or two and repeat.
OF course, the actual breast stroke
while you are swimming will do more
than anything else to make your
shoulders beautiful.
(copyrisht. 193s.)
Evening star., 1938-08-09
Youngsters
Hard
Wise Parents Will
Provide Outlet
For Energy.
habifabIe
By ANGELO PATRI.

CHILDREN of 3 and 4 years, boys
especially. need an outlet for en-
ergy. Growth comes through use. The
child Is supplied with energy for
growth. but before that growth can
take place he must use his muscles.
The first ones he needs to put into
action are the big ones in his back,
legs. arms. He needs to run and jump
and thump and pound.
The movements q child makes with
these muscles, and remember he must
make them II he Is to grow in strength
and power and control, are big move
ments like sweeps, bounds. leaps. He
loves to roll over on the ground,
jump fences, rake and dig and ham,
mer. He makes noise and confusion.
but that Is part of the process and
cannot be helped. Turn him out of
doors for his exercise and let him en-
joy it. Don't keep telling him to hush.
He needs to shout. Push him out
doors for hours in the sunshine and
let him work for his growth.
Don't try to have him make fine
movements until he has his big mus
cles we'll under control, usually about
the age Of 8. He ought not to be
asked to use a pen or q pencil to do
fine work until it Is plain that his
accessory muscles, the smaller ones
that are to enable him to do skilled
work, have begun to work under his
control. Let him Use fat crayons, big
brushes. big tools and let writing and
fine drawing wait. Technique comes
later.
In this growing time the child needs
to feel resistance to his muscles. When
he kicks he must have something that
pushes against his kick: when he
pounds he must feel the push-back Of
the thing he pounds on. This resist
ance is what gives him the feeling Of
power. A punch into the air cannot
give that feeling, but a punch landed
on stout punching bag can and
does. The earth resists his spade, the
ball his bat, the water his swimming
body, the earth his feet. Resistance Is
the breath Of life to him and the in
spiration of his growth.
When he is tumbling and rolling
and yelling like wild thing don't
worry about it, and don't be ashamed
of his noisy, rough animal play. It
belongs to him and If he works his
way through it successfully, as he will
If given q chance, his next stage of
growth will be all the better in guam
tity and quality for the good start it
had here.
Send him outdoors for such exer-
else. Encourage him to work hard at
it. The usual child of his age, espe-
cially those reared in cities, does not
get enough exercise to use his stored
energy. Now, this energy must 60
somewhere to find his way out. 1t
forces the child to do something, to
yell, stamp. fifht, cry, If he can do
nothing else, and his mother says,
Hes been simply awful this day"
He wasn't being mean, he was forced
to let out his stored energy. and he
had to do 1t against fortified society.
He was not to blame; we were.
Give the youngsters four hours. and
more. of hard play In the open, and
they will grow. Teach them to let of
their steam out Of doors in hard play.
They will sleep, eat and behave like
lambs If you do.
(copyright. 193S)
Evening star., 1938-08-09


splashed or knocked down-there Is
no reason why he should always be
outside Of his companion"
After you have untangled this
slightly scrambled rhetoric, you will
see that her statement, coming from
recognized expert In the field Of
modern etiquette. means q victory for
nAturalness in good manners.
1t Is now no longer necessary for a
man to Jump awkwardly from one
side Of his feminine companion to
the other whenever they make q turn
which puts the girl on the outside
Incidentally, the old man always
outside" rule harks back to the time
when men wore swords. They always
took the position nearest the roadway
because 1t was often necessary to pro-
tect their ladies from wildly plunging
horses and mounted ruffians who liked
nothing better than a good duel, with
the lady's honor at stake.
"WHEN knighthood was in flower
ethics should still prevail, but
let's modernize and streamline them
to meet 20th century conditions. Un-
fortunately, some etiquette rules are
10 or IS years behind the times.
Good manners mean thoughtfulness
and good breeding. They are within
the reach of every one, and surely
they can be unforced and natural
Certainly a young man isn't any less
q gentleman because he fails to take
of his hat in crowded department
store elevator. when doing so means
death and destruction to the hat.
All you have to do to get along well
is to use your head. keeping in mind
the basic rule Of all etiquette: Thought
fulness always! Any rule can be bro.
ken gracefully by person with the
right feeling for good manners. You
can be that person.
The easiest way to get along Is tt
practice q little respect for yourself
and consideration and courtesy fol
others Keep at it until it becomes 8
part Of you. And then, even If you
do make q break some dark night, U.s.
ing the wrong spoon or failing to oper
. door. nobody will care. You've 60,
the right idea.
Evening star., 1938-08-09

Washington where we have taken a
most ordinary little cottage for about
$3.50 month. We have returned
home each time with a fairly good tan,
but without the joy of the sea, the
relaxation or the rest that We had
hoped to find.
Things seemed to get in the way
Our house was never far enough away
so that we did not hear the radio and
the vctrola next door. Gay beach par
ties went on into the dawn and broke up
On the beach or boardwalk we met
town acquaintances who came to call
in their smartest resort togs after 4
the next afternoon to ask us to bridge,
dinner or cocktail parties. Don't get
the idea that I'm an old fogey and
object to fun, for that Is not the case:
but this was town life transplanted to
a new environment. 1t was just what
I was trying to get away from, and
could not seem to do SO without being
rude and unappreciative.
Housekeeping in poorly equipped
badly arranged cottages was more dim
cult than at home, snd the children,
following the lead of the ones they
met on the beach were constantly de-
manding Zee cream cones, candy,
movies and the merry-go-round, and
were unhappy when 1t was not forth
coming. I felt that none OF us were
getting out Of the expense to my hus-
band, and the additional effort on my
part. any Of the things we had come
to find. blew up and refused to 90
again until I could find what we
were looking for.
7 ASKED all my friends. I went
to the Coast Guard Service and
the National Park Service for advice
and information on where there was
beach that was not fashionable. that
was quiet. isolated where one could
get the fundamental necessities Of
shelter. food and fuel, and where the
children might get down to real
values On the first of May started
exploring south Of Washington to find
my spot"
The first two days I was shown
dozens Of the same type Of house
had lived in previous summers at
about the same price. al with the
same drawbacks. I began to be ter
ribly discouraged. The third day I
gave up and decided to 60 fishing
Our fishing guide. who turned out to
be an angel in disguise, drove us 6
miles down q wiggly. sandy road to
the inlet where our boat waited. On
the way we passed an abandoned
Coast Guard station. all spic and span
and we'll kept. though 1t had not been
occupied for five years. But knew
one could not hope to rent or buy a
Coast Guard station.
Across the road about q hundred
yards distant stood a taxpayer -cov-
cred shack. Not beautiful by any
means. but the lines were fairly good
and 1t looked out upon the most beau-
tiful stretch Of beach and surf I had
ever seen. I turned to my guide and
said, How about this house-at least
would have no housekeeping prob
lens here" He replied, 1T belonged
to a Coast Guardsman at this station.
He built it for his family. It is on
private land. He was transferred to
another station and has another
house. He would let you live in this
for nothing. or you could probably
buy it for $25."
I began to get goose pimples of ex-
citement. The back door was open,
90 We walked In Others had eui.
Evening star., 1938-08-09
COOk'sCOrner
By MRS. ALEXANDER GEORGE.
DINNER MENU.
(SerDirp Three or Four.)

DINNER MENU.
(SerDinp Three or Four)
Chilled Fruit Juices
Baked Ham Credmed Potatoes
Buttered Caulifo1rer
Maple Sugar Rounds Butter
Dutch Cheese Raspberry Jam
Fruit Merinpue Pie
MAPLE SUGAR ROUNDS.
2 cups -four 2 tablespoons
tablespoons butter
baking powder "a cup maple
y teaspoon salt sugar (soft)
tablespoons fat !. teaspoon
z3 cup milk cinnamon
Mix together the flour, baking pow
der and salt. Cut in the fat with q
knife and slowly add the milk until
a soft dough forms Pat out the dough
until it is half an inch thick. Cut
out biscuits and spread tops with rest
OF ingredients mixed together Place
biscuits on an ungreased pan and
bake.
DUTCH CHEESE.
quarts thick 4 teaspoon
sour milk paprika
quarts boiling 4 teaspoon
water pepper
teaspoon salt (optionaD
Place milk in large pan or bowl
Add water. After five minutes pour
into bag and let drain thoroughly
Turn out the curd into a bowl. Coo
and chill
When ready to use add rest of in.
gradients. Thin with cream.
Evening star., 1938-08-09
Campers Take Note.

Keep matches and cleansing ma
terials tightly covered in tin cans.
Use coffee. baking powder. sugar
or cracker cans which have tight
lids. The cans are also useful In
storing foods which nsed 70 b kept
away don insoetk
Evening star., 1938-08-09
Juice Appetizers.

Try the following juice combina-
tions: Tomato and clam, tomato and
pineapple. grapefruit and orange,
grapefruit and grape juice. lemon and
cherry, apple and pineapple. prune
and orange, raspberry and lemon and
grapefruit and cherry-with bit Of
chopped mint.
Evening star., 1938-08-09
Lipstick Stains.

II you have lipstick stains on white
linens, soak them out with vinegar,
full strength. Il the stain u In col.
orsd material, use halt vinegar end
hA8 0o16 VoAGb
Evening star., 1938-08-09
House Proves Interesting and Heahu
Shack on a Lonely Beach
Offers Opportunity to
Escape From Crowds
More Ingenuity Than Money
REQUIRED to Make 1t Pretty
And Completely Habitable.

NeH prints instead OF her usual
letter reader who set out from the ad-
instead erhaustn0
real interest all
afflicted desHeJ
MISS NOVEL;: the midst experiment In
working fashion
I about with the idea that might be Of
- other Star" readers.
My husband three children and lovers Of the seashore
nd the last the weknown resorts