davidaulloa/AmericanStories huggingface dataset:
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03

jaunt When the ambitious woman Ia in q social mood
and feels the urge to cali her rural neigbors Is
not unusual her to travel foot distances up to
ten miles and return home the same day. Saving
wood also is part Of the days work for this youth
full (?) person.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Hen Lays Tive Eggs In A Day

Lake Benton.-The high production point among
the chicken flock owned by H. j. p Nelson here was
proved when Mr.. Nelson exhibited two eggs that,
without question, were laid by one hen in one day.
For some time Mr. Nelson has been breeding white
leghorns from high producing stock but only short
time ago he purchased 20 birds that from among
hens laying better than 300 eggs each year. Even
though 300 eggs from one hen in a year seems like
an unbelievable number, the fact was proved by the
two-in-one-day eggs.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03

Mrs. Mary Berry, 93-year-old
grandmother OF Harrisburg, ILL.,. Is
cutting her third set Of teeth.
No spot In the British Isles Is
more than 80 miles from the sea.
The round native boats used by
the Tibetans are caulked with but
ter.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Fiddlers Forget To Take Violins

Breckenridge.-An old fiddler's contest sponsored
here last week came not being held all because
20 oldtme fddlers from distance of 60 miles.
and not one OF them owned fiddle. Finally, 1t was
found that one could be borrowed from farmer re-
siding nearby the next of the series of contests
announcement was made that all who come are to
bring their fiddles.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Thieves Steal Fresh Sausage

Buffalo Lake-A white embroidered apron lost
by thieves, who stole 16 fresh sausages from farm
home in this vicinity is being used in efforts by the
farmer to trace the persons who stole the meat.
Sneak thieves entered the farm home of Mr.. and
Mrs Harry Mueller shortly after supper evening
last week while the hired man doing the chores.
The Muellers were out of town at the time
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Life Begins At II, Thinks One

Mahnomen.-It has been said that "life begins at
forty or that life begins in college, but evidently
life begins at IT for some people Taking the case OF
Mrs. Mary Picka who resides south of Lengby, this
saying contains truth than poetry Taking hikes
to distance of 20 miles is just days routine for
Mrs Picka who has passed her 77th birthday. Just
last week she hiked from her home south of Lengthy
to Mahnomen and showed no i'll effects from the
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Hike 100 Miles For Hair Waves

Forest Lake-A 100 mile hitch-hike trip Is not TOO
much for two Mankato girls when they want good
permanent wave The girls, Myrtle Ueberg and Ger
trude Mnkel made the trip recently via the thumb
route in order that they might have their favorite
dressers their hair New operators at To-
cal shop formerly worked in Mankato.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Leg Broken Third Time

Farmington.-Fracturing leg three times has
been the unfortunate lot of Henry Peters, of Hamp-
ton who last week suffered broken right lef for
the third time. The injury sustained when Pet
slipped and fell He was brought to local hospi-
tai where the injured limb was placed in cast.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03

Sherburn.-Are blackbrds wintering in Martin
county safe? Not according to reports of the re-
cent humiliation of two dozen of the birds. new
sport was developed in this community by Ray Laws,
expert dynamter when he saw flock of crows just
south of Sherburn along the railroad tracks. Two
sticks of dynamite paced in dead jack rabbit
$50 feet of wire and electric battery were attached
and then the crows, "a of them, valiantly marched to
their doom, lured by the sight of the rabbit. Cav
cav cav" said the crows when they began to eat
Then it was bang and the crows cawed no more.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
Eggs Too High? Look At This One

Albert Lea.-Even if the price OF eggs IS going
up Just think how many persons you could serve
scrambled eggs for breakfast if you had a dozen of
them, the size of the egg produced as sample by
a white rock hen The unusual sized egg exhibited
here was layed by member Of the flock OF chick
ems on the L. E. Marlin farm 2h miles east of Hart
land The egg has a circumference of seven and sew
eneighths inches way, and measures six and one
half inches around the other way.
The Sauk Centre herald. (Sauk Centre, Stearns County, Minn.) 1886-current, 1938-02-03
State News Briefs
Auto Turns Over. Driver Stays Put

Walker.-The experience of staying put when
ones car decides do a few sommersaus is one sell
dom occurring but belongs to the hotel proprietor
who still sat the wheel after his had completely
turned twice. Mr.. Higbee, the congenial hotel
man. had a very narrow escape from serious injury
while driving home from Walker At the top OF a
hill the car struck ice and went completely out OF the
drivers control ending in the ditch with Mr. Hlg-
bee still sitting at the wheel without scratch to
show for his experience Eye witnesses state that the
car made two complete somersauts before coming to
rest back its four wheels Aside from being AFRAID
and shocked, Mr. Higbee did not suffer INJURY
Evening star., 1938-06-28

addition to = short-term unchanging
first mortgage which had to be re-
newed at excessive fees, there WAS
usually = second and sometimes even
third mortgage; the first one did
not cover . large enough part Of the
cost to be sumcient in itself.
The type of mortgage sponsored by
the Federal Housing Administra ton
has several distinctive features As
compared with the older kind. These
include:
A loan value in relation to the prop
erty's valuation up to 30 or 90 per
cent:
A long term Of repayment extend
ing to As much as 20 or as years;
Provision for repayment Of part Of
the principal every month:
Compliance with sound construc-
ton standards;
Lower financing costs.
When We introduced this 80 or 90
per cent loan-value there was q lot
Of controversy as to its soundness.
This criticism rose mainly out of =
belief that the property itself, that is,
the collateral behind . loan, was more
important than the borrowers ability
to repay. The possibility of selling
the house after foreclosure for more
than the principal of the loan was
often the chief incentive for An in
stitution In making such . loan.
Others Mere Important.
The r. H. A., however. considers
other factors more important in
judging the soundneSs of home loan.
For one thing, repayment of principal
gradually through monthly INSTALL
ments operates constantly to make
the loan q safer one. When the loan
is repaid each month the lender is not
only receiving interest, but also Is
reducing the risks to his own invest
ment in . particular piece of property
BY the time the loan is several years
old the loan-value ratio is no longer
80 per cent, or whatever the ratio
may have been at first; 1t Is becoming
smaller and smaller as time goes on
This regular repayment also en-
courages the borrower to hold onto his
home At all cost, since he is acquiring
= larger and larger equity in his home
all the time. A 90 per cent mortgage,
which is permissible under the Ma
tional Housing Act. may prove in the
long run then better loan for the
Evening star., 1938-06-28

There were no buyers and there were
no loans to finance their resale.
Prices Of homes. and other. real
estate, fell to rock bottorn, and
the decline struck at the value OF all
property. Lenders could not feel Sc
cure on the mortgages which they still
held. Foreclosures followed rapidly.
People lost their homes, and institu-
tions saw good loans turn bad.
BY 1888 this crisis had become 80
acute in a social sense that Govern
ment action was imperative. The
Home Owners Loan Corp was Gre
ated, and the Federal Government
became the largest mortgage lender in
the country.
Emergency Created.
The Home Owners Loan Act pro-
vided 4 method for relieving lending
institutions of large part of their
bad mortgage loans It . time when
most Of thenN were unable to lend
freely on the basis Of falling real
estate values
The emergency that caused this vast
refunding operation could hardly have
been handled in any other way-an
emergency created largely by foolish
lending policies in the boom days
When this emergency had been met
it was natural to investigate the causes
and try to prevent . recurrence of
conditions forcing direct Government
entrance into the home mortgage field.
That was the primary cause and OBJ
jective Of the insured mortgage system
which was created In June, 1894.
The National Housing Act was con-
ceived as a lever for encouraging
sound mortgage lending in the future.
In exchange for observing certain
standards and requirements in making
loans which Congress felt would be
sound and reasonable, financial in
stitutions are provided with insurance
against loss on these loans.
Protection for IndividualA.
OF equal Importance. and perhaps
more, is the protection which the
F. H. A. gives individuals wanting to
buy or finance homes The Federal
Housing Administration has spon-
sored new standards of living. as well
as new practices of home mortgage
lending
Practices which prevailed before
the National Housing Act were HARM
full to borrowers and lenders alike. In
Evening star., 1938-06-28

becsuss 1t means that we have been
able to accomplish all that has been
done without great cost to the national
Treasury. Remember that residential
construction in the United States was
virtually ut . standstill when We be-
gan to operate. Only about 90, 900
homes were built in 1894. In the two
years 1886 and 1897. SIS, 600 dwelling
units were built. Nineteen hundred
thirty-eisht should be q more prog
porous home -builGing year than 1887
or 1895 in spite Of the general rsces.
sion in business in the early part OF
the year. Home building has not
reached the figure which We would
like to see, but 1t Is getting better
every year.
Available IN Abundance.
1t Is the declared purpose Of the
National Housing Act to "encouraee
Improvement in housing standards and
conditions" and Ito establish q sound
system Of home financing" Much re-
mains to be done, but think We NAV
truthfully say that the home financing
system Is healthier than ever before
-Four years ago funds for home finarc.
ing had almost evaporated. But today
they are available in abundance.
At the same time we have promoted
. far-reaching reform Of mortgage
lending practices. We have discour.
aged such things as second mortgages.
oppressive interest rates, and Terry.
building rackets. We will continue
INCREASINGLY along this line.
The Nation wide response to our
new liberalised housing program has
been very gratifying. For this We
thank our thousands Of lending inSs;-
tuoons and the equally large number
OF manufacturers and business con-
Germs who have given 30 wholeheart.
edly OF their voluntary cooperation.
An increasing volume of home con-
struction benefits business and labor
and lenders and borrowers alike. and
the well-being Of our Nation AZ 4
whole.
Evening star., 1938-06-28
ACT WINS PRAISE
OF HOUSING CHIEF
Home:Financing System Is
In HeaIthiest Condition,
Says Mcdonald.

Stewart Mcdonald, Federal Housing
administrator. last night reviewed the
activities of the Federal Housing Ad-
manistration, which was four years old
yesterday. He spoke in the National
Radio Forum, arranged by The Star
and broadcast over Nation wide net
work Of the National Broadcasting Co.
The text of his address follows
The National Housing Act and the
Federal Housing Administration are
four years old today. Under the act
. new system of home mortgage lend
Ing has grown up, bringing with 1t .
profound change in our whole attitude
toward the construction, financing and
ownership of our homes
We are marking this fourth ami
versary today with $4,000, 900, 900 of
business on the F. H. AS books About
$500, ,000. 900 Of this total has been done
since the National Housing Act was
amended on February 3, last. And
an happy to report that our business
has gone steadily higher week after
week since that time. with all of our
previous records smashed. At the mo-
ment an average of more than $500
homes are being financed each week
under the F. H. A. plan.
Our total volume of business in
cludes $i.825, 900 900 in 435,00O small
home loans selected for appraisal,
$sl0,000,000 of property Improvement
and repair loans insured, and large
scale rental housing projects approved
which are valued at $85,000,000.
Volume Of Home Debt.
But before we discuss how this has
been accomplished by the Federal
Housing Administration-and the large
number of cooperating private lend
ing institutions which compose the
real body of the insured mortgage sys-
TENT may be well to recall the con-
ditions which fathered the National
Housing Act.
During the 1e20s a great rise took
place in the volume of home debt
Like other kinds of debt, this home
mortgage burden rose at a faster rate
than the volume of wealth production
could support.
From under $40, ,O00, 900 ,00G in 1920,
the Nations real estate debt rose to
$22 ,00o, ,0o0. 600 by 1890. This was twice
as large as the long-term industrial
debt at that time and one and one
half times the long term debt incurred
by utility companies.
The real trouble was not so much
the size Of the home mortgage debt.
however, as the terms under which it
was created Most of it was short
term. Three to five year mortgages
were standard, and one-year and de-
mand loans we're common. There was
no provision for reduction of the
principal during the life Of the debt.
Lenders Couldn't Collect.
These terms gave lenders the feeling
that their credits were liquid. But
obviously home owners could not re-
pay their debts at maturity They
were compelled to refinance them at
every payment date, and lenders could
not ever really collect
We all remember what happened
when the great bubble broke in 1929.
The real estate market was hit partic-
ularly hard. Houses were thrown on
the market and could not be resold.
Evening star., 1938-06-28
One Of your snapshots may
win more than 500 i'm
Local and Nation al Awards

Winning pictures will be published each week in The Stars
Rotogavure picture magazine beginning Sunday July TO-
and each Sunday thereafter until the close Of the Be
get the of the person in your pictures
Also get their addresses. This important because your
picture is to be eligible written for publication
advertising purposes must be obtained.
.@sssS Al pictures. to be eligible must haze been
taken utter May n. 1888. Send prints
u. - only not negatives. ADDRESS Snapshot
=5zy Contest Editor Send in your contest
5ar4s # snapshots The, earlier the better.
The Washington times., 1938-08-08
ALICE N A R Bile
GAINS IN GRASS
COURT net PLAY

RYE, N. Y, Aug. 8 G.N.S0.
Alice Marble, California tennis
ace who held the women's ma
tional title in 1896, today ad-
vanced into the quarter-finals of
the eastern grass court champion
ships by defeating Helen Bern
hard, of New York, 60, 81.
In a second round match, Nine.
Sylvia Henrotin, of France, Elimt-
mated Mrs. Carolyn Hirsch, OF
White Plains, N. Y, 60, 6-3.
Mrs. Sarah Palfrey Fabyan. of
Boston, and Dorothy Bundy, of
Santa Monica, Cal, were first
round winners. The former de-
feated Madelon Welson, Of New
Rochelle, N. Y, 60, 60, and
Miss Bundy won from Emily LIN
coin, of Brookline, Mass, Ga,
Ga.
In a match halted by rain yes
terday, Don McNeill, of Oklahoma
City, National Indoor champion,
went on to a GO, Ga victory
over John Shostrom, of Chicago
in a first-round singles encounter
In another mems first round
match, George Toley, of Coral
Gables, Fla, beat Brian Finnigan,
of Scarsdale, N. Y, 60, 81.
The Washington times., 1938-08-08
RIGGS FAVORED
in GRASS TENNIS

RYE, N. Y, Aug. 8 GN.SD.
Bobby Riggs, one of the probable
members of the DAVIS Cup team,
is expected to take the measure
handily of Chester Murphy, Of
Chicago, as he makes his debut
in the Eastern grass courts cham.
pionships at the WestcheSter
Country Club.
Another match that seems to
be uneven, pairs Frankie Parker,
seeded second in the play, and
Marvin Wachman, also of Chicago.
Parker is given a decided edge.
In the other more notable pair.
ings Wilmer Allison, national
champion in 1885, is opposed oy
Williams Robertson, of San Ma
rino, and Sidney Wood faces Leon
ard Hartman, Of New York.
The start Of the singles was
marked by the upset of John Van
Ryn, ranked tenth nationally, who
was eliminated by Owen Anderson,
of Los Angeles, in two sets, "a,
.6-3
The Washington times., 1938-08-08
Champs
Track Record Tied as
Tuskegee Wins

NAUGATUCK, Conn, Aug. 8
Growing Of six new champions
and the equalling of a worlds
record marked the women's ma
tional A. A. U. track and field
meet won by Tuskegee Institute
of Alabama, with 80 points.
Claire Isicson, of Booklyn, N.
Y, running for Long Island Uni
versity, was timed in O:06.6 in a
50-meter trial heat, equalling the
time set by M. Meizlikova, of
CZechoSlovakia in Paris six years
ago this month. Eastern Women's
A. A. of New York was second
with Is points. Lulu Hymes, of the
winning team was voted the out
standing individual athlete of the
meet,
The Washington times., 1938-08-08

makeup Of the bulldog and the
same gentle disposition toward
their masters, courage is their
great virtue, and, while not par
ticularly vicious, they will never
give up protecting those for
whom they have an affection.
When well raised, their friends
claim for them an abundance
of graciousness and good tenn
per.
That this breed is making a
slow but nevertheless sure head
way in America today is shown
by the increace of their yearly
registrations with the American
Kennel Club.
In general appearance, tn e
boxer is a medium-sized, short
haired dog which is lively, mus
cular and active, and almost
arrogant in his carriage. RE
should be an excellent jumper,
and there is no better compan-
ion for a horse.
Copyright. 1888. BY CraIa SyndiCate)
The Washington times., 1938-08-08
BALLSTON BILLS
SOFTBALL T|LTS

Sher and Cohen's softball team
of Arlington, Va, has scheduled a
double-header softball game for to-
night at Ballston Stadium. At
8 p. m. the strengthened ten from
Arlington meets Herald Times un.
der the lights, with McWilliams do
ing the hurting. Abrams pitches
for Herald Times.
At 9 p. m. Sher and Cohen's
meets the champion DR.. Pepper
team, Bradford pitching for the
home team and Rosenfield doing
mound duty for DR.. Pepper.
Two exciting sessions Of softball
are seen for the two games, it be-
ing near the close of the season
The Washington times., 1938-08-08
Practice
Columbian A. L. '9's
Drill for TOurney

Columbian Athletic League to-
day begins a final period Of drill
for the Washington City All-Star
baseball championship beginning
Wednesday morning at Griffith
Stadium. The 30 players in each
of the peewee, insect and Junior
divisions of the league work out at
3 D. m. today and at 9 a. m. and
p. m. tomorrow on the East and
South EllipSe.
Wednesdays three games for
the division titles are: 10 M
Peewee All-Stars VS.. Boys Club
All-Stars; 1890 p. m.-Washing-
ton AlI1Stars VS.. Colored Insect
All7Stars; 3 p. m.-American Le-
gion Juniors VS.. Washington Co
lumbar League All-Stars.
The Washington times., 1938-08-08


When first observed, he defi-
nitely suggests the bulldog, and
although the beginning of this
breed is uncertain, it may pos
sibly be of ancient lineage.
Somewhat similar to the pitt
bull Of England in that he may
be termed the fighting dog of
Germany, his conformation is
different; but, like his English
cousin, he is hard to beat, as
he asks and gives no quarter
and is always alert and ever
ready to grab a deadly hold
when the opportunity presents
itself.
The infusion Of the bulldog
blood in the boxer came about
approximately IS years after
the Civil War. The bulldog Of
that day, however, was consid-
erably different from the pres
ent bulldog which we see in
either America or England to-
day. AS found in present-day
homes, his ferocious appearance
most often bellies an affection
ate nature.
Although having the same
The Washington times., 1938-08-08
Nazi Ace Claims
New Hammer Mark

BERLIN. Aug. 8.-Erwin B1aSk
Of Germany today was claiming a
new worlds record in the 16-pound
hammer throw on a toss Of 100
feet 85s inches made in a Sun.
day athletic meet.
The previous record was held
by Pat Ryan of the United States
who, on August II, 1913, threw
the weight 189 feet 612 inches
Blask placed second to Karl Helm
of Germany in the Olympic ham.
mer throw in 1886, with a heave
of 1856 feet 4 3-16 inches.
The Washington times., 1938-08-08

end has been signed to coach at Pelham IN - High School
Dunney will participate with the College ASarS against
Philadelphia Eagles in Philadelphia Colwe
Yale back been riding the his ranch at Love
land Colo. who job shortstop for the
Interior team weekdays and second base for the Old Mwau
nine Sundays will enter Columbus University Septem
Der should be promising candidate for their boxing team
Coe said to be good boxer he is ball player Frank
policeman enjoying successful hurting
Huck Hileary Annapolis team Watt played big league ball
the Philadelphia Nationals Spindler Public Health
Service served time with the ST. Louis Cardinals Cliff
exCenral High catcher playing with Leesburg in the
Virginia the league Buddy Nau Bobby
Stevens Feshie Carl Nau boysAL McALWEE.
The Washington times., 1938-08-08
Frederick Nine
Wins 18th in Row

FREDERICK, Md, Aug. 8-The
Frederick Hustlers hung up their
fifteenth straight victory Of the
season when they won from Blair
Athletic Club, Of MartinSburg,
w. Va, Z to /.
Steel collected a double and a
triple, while Price got a triple with
two-baggers going to Clohan and
Denton.
The Washington times., 1938-08-08
Middies Conquer
ST. Briqid's Nine

ANNAPOLIS, Aug. 8.-The sec
ond class of Midshipmen won
their third consecutive game on
the local diamond, defeating ST.,
Brigid's of Baltimore, 8 to 3.
A 3-3 tie was broken in the
seventh inning when the Mddies
got two runs on an error and
singles by Beers, Scott and Adams.
Four more tallies were counted in
the eighth on safeties by Clark,
Anderson and Noll, together with
two errors and a passed ball.