davidaulloa/AmericanStories huggingface dataset:
Evening star., 1938-11-19

of worry when they have been prop
erly appraised and competent man
agement is available" Mr.. Doare
stated that real estate manage
ment, both urban and rural, is
rapidly coming to position of de-
pendable reliability" He said. If
as new real estate loans are made
they are viewed as potential real
estate owned and their earning
capacity is carefully determined.
then If and when the worst happens
to a mortgage it will in reality be-
come a prime security. OF course,
the return of the principal invest
ment may be delayed and this factor
must be considered in the percentage
of this type of investment any one
institution may wish to carry He
referred to the fact that real
estate as an investment has been
found sound through hundreds Of
years in England and is so con-
Evening star., 1938-11-19
Bankers in Future
To Hear More About
Real Estate
Head Of RuroI Appraisers
Says Country Suffers
Reactions of 1888

Bankers in the future will hear
more about and be more concerned
with real estate than they are today"
was the prediction made by D..
Howard Doane of st. Louis, president
of the American Society of Farm
Managers and Rural Appraisers, in
an address before the convention of
the American Bankers Association,
held in Houston this week.
Mr.. Doane pointed out that at
the present the country is suffering
from the extreme reactions from
1929 to 1888 in particular, and from
the longer downward trends in farm
values from 1920 to the present.
This is good time to take stock
Of underlying factors" he said.
He told the bankers that the
pressure of investment funds in
their hands as we'll as institutions
like insurance companies and en-
dowment funds is a part of the
picture 1t is one thing to say that
as banker you are not interested
in non or semi-iquid investments.
and quite another to face a logical
alternative if you stand squarely on
that premise. If some way might
be found for assuring the investor
in a mortgage that its exact terms
would be complied with then many
attitudes would be changed. 1t is
not probable that this will ever be
the case, even though at present
certain guarantees make it appear
So
No Need for Worry.
Declaring that neither farm loans
nor farms owned need be source
Evening star., 1938-11-19
Earnings Are Factor,

Mr.. Doane stated that the pro-
cedure in line of reasoning of the
American rural appraisal system was
that earnings are the most impor-
tant factor in determining the value
of rural real estate. This being the
case, they must be determined first.
and under typical management not
(See BANKERS, Page BID
Evening star., 1938-11-19
Permits Issued
For Building
Total $415,000
Residential Jobs
Show Gain Over
Previous Week

The residential construction pic.
ture here for the last six days ap-
peared brighter than last week, al
though the valuation of building
was only about half as great. Build
ing Inspector John w. Oehmann
issued permits for construction VAL
ued at S4l5,625 for the week.
The number of homes and apart
ments approved for erection showed
a decided gain over last week. How
ever, the dollars and cents valuation
was considerably lower due to the
inclusion last week of a permit for
a 100000 apartment There was no
large project included among the
current permits.
Col. Oehmann's Office approved
plans for IS new homes and 9 small
apartments. Most of the houses
Will be erected in the Northeast Sec
ton of the city. The cost of the
houses emphasizes the recent trend
here to provide housing for families
IN the lower income brackets.
More important permits of the
week follow
Santlnl d Dustin. Burtonsville,
Md, owners and builders; George r.
Santmyers, architect; to erect twelve
2-story brick and cinder block
dwellings. 3901-29 Blaine street
NE: to cost 100000.
Tolson e. Kemp, 27O5 Twelfth
street NE, owners and builders:
Francis Deremer, designer; to erect
ten 2-story brick and concrete
dwellings. Ais to 433 Nineteenth
street NE; to cost S4250 each.
F. & F. Construction Co.. 1923
lsee PERMITS, Page B-2D
Evening star., 1938-11-19

method determines the comparative
costs. sales and all other comparable
features"
Evening star., 1938-11-19
Further Recovery
In Home Construction
Is Due, H.l. B. B. Says
Rise Expected Unless
There Are 'Untoword
Incidents

A further recovery In residential
construction may be expected. the
Federal Home Loan Bank Board
reported today. providing there are
no 'untoward incidents such as
sudden increase in building costs"
The board. in a summary of the
latest reports from various parts
of the country. said "it appears as
If the potential demand due to an
accumulated housing shortage is now
transferring itself into effective de-
mand"
In this field it is important to
note that home mortgage finance
is today in a much sounder posi-
ton than at any time in the past
decade" the board stated. Prop
erty values are higher and more
stable than in the early '3Os.
Total home mortgage debt has
declined. Interest charges on home
Evening star., 1938-11-19

sidered by an increasing number of
large investors in the United States
Mr.. Doane pointed out that all ap-
praisers recognize three methods of
appraisals as being: Income capital
ization, reproduction cost, and COM
parative. AN urban appraiser first
determines the presumed normal in
come of property" he said From
this he subtracts ownership expenses
and capitalizes the difference. calling
his answer the income value. En-
tirely independent of the earning
value he calculates the cost of re-
producing the property, subtracts
depreciation and obsolescence and
finds his second value. Next he COM
pares the property with others which
he feels are comparable and by this
Evening star., 1938-11-19

tSee PERMITS, Page B-2)
Evening star., 1938-11-19
Star Dwelling
Open Fourth
And Final Week
ll-Room House Has
5 Baths; Located
In Forest Hills

The popular dwelling Of English
architectural design. located at 5000
Davenport street NV. tomorrow
will enter the fourth and final week
of exhibition as Silver Star Home.
Situated in the exclusive Forest
Hills section, the house is the ninth
this year to be sponsored by The
Star under its Silver Star plan. This
means the home was thoroughly ex-
amined by committee composed of
five housing experts and approved
for the Silver Star award.
The house was constructed by D.
S. Biron from plans drawn by the
architectural firm of Dillon & Abel.
1t is built of brick and stone and
contains II rooms and five baths.
The layout includes five main bed
rooms. with an additional basement
room for maid; living room. din
ing room. library and kitchen on the
first floor and huge recreation
room in the basement. A large
screened porch is off the living room.
The roof of this porch forms an at
tractive second-f1oor sun deck.
House Open Daily.
The public may inspect the house
daily between 10 am. and 9 pm.
1t may be reached by way of Con-
necticut avenue to Davenport street,
thence east two blocks. The house
has been decorated and furnished
by Hilda N Miller The builder is
presenting it through Boss & Phelps.
All rooms in the new home are un-
usually large Bedrooms contain
enough space for twin beds. and a
feeling of spaciouSness is obtained
in every portion of the dwelling.
The house is exceptionally well-built.
Walls are tarred and furred. Parti-
tions are of first-grade fir. Ran
dom width oak flooring was used
throughout the first floor. Four
inches of rock wool insure against
heat escaping through the roof.
Cutters. downspouts and f1ashings
are of copper.
Telephone Innovation.
An innovation recently introduced
by the telephone company as safe
guard against burglars is an addi-
tional feature of this home. 1t is a
conduit placed in the wall to carry
wires to the basement and eliminat-
ing outside wires, which could be
shipped by housebreakers.
Members of the Silver Star Homes
Committee, who inspected and ap-
proved the Davenport street house,
follow: James S. Taylor, of the Fed
eral Housing Administration, chair
man; Irwin S. Porter, prominent
architect; Edwin H. Rosengarten.
builder, member of the firm OF Davis.
Wick and Rosengarten; John Mo-
len. ir., director of planning Of the
National Capital Park and Plan
ming Commission. and Frank j.
Luchs, vice president of Shannon Il
Luchs.
Evening star., 1938-11-19
Dine Amid CoruI Tones

The color scheme of modern
dining room in a New York apart
ment as designed by famous South
American decorator. is based on
coral tones. The simply styled blond
furniture is surrounded by walls
made off white with tinge OF pink.
A mural above the sideboard en-
ploys coral formations in shell coral,
white and pink. and these shades are
echoed in the shelves and the cam
dlesticks. An off-white rug covers
the floor. White prevails again in
the entrance hall which has walls
OF white, white linoleum floor COW
ering, a white leather covered wing
chair. and for an intense contrast
A strong yellow ceiling.
Worcester Democrat and the ledger-enterprise., 1938-10-14

Mr.. and Mrs. Milton Barnes and lit
tie daughter of Girdletree, were guests
Sunday of her parents, Mr.. and Mrs.
w. A. Sharpley.
Rev. and Mrs. Daley of New Church
spent Wednesday with Mr.. and Mrs.
Russell Mariner.
Mrs. J. P. Guarney left Tuesday
for her home in Valahalla, N. Wy, af-
ter spending some time with her moth
er, Mrs. Nettie Hayden.
Miss Mary Hyland spent the week.
end with her mother, Mrs. John Hy-
land at fredericksburg.
Mr.. and Mrs. Carlton Powell, of
Ocean City, spent the weekend with
her mother, Mrs. Ida Bromley.
Mr.. and Mrs. John Bundick spent
the weekend with DR.. and Mrs. r. 1.
Givens at Pocomoke.
Mrs. Horace Yerger and Miss Mary
Jones of Drexel Hill, spent the week
end with Mr.. and Mrs. Cassius Jones.
They were accompanied home by Mrs.
w. S. Sheehan who has been spend
ing some time with Mrs. Jones.
Mrs. Elwood Allen has returned to
her home in Horntown after spending
some time with her daughter, Mrs
Maurice Hancock.
Miss Sue Baynard of Parksley, was
the weekend guest of Miss Leons
Collins.
Mr. and Mrs. Harry Hancock, Mrs
Laura Jones and Mr.. Tisen Hancock
of New Britain, Conn.,, are spending
some time with Mr.. and Mrs. H. D
Outright and Mr.. and Mrs. I. B. Han
cock.
Mr.. and Mrs. Charlie Dukes ant
grandson's of Wilmington, spent the
weekend with DIR. and Mrs. j. d
Dickerson.
Miss Irene Allene of Horntown, Il
spending some time with her sister
Mrs. Russell Mariner.
Mr.. and Mrs. Elmo Wolfe of My
clems, Mich, are spending some time
with Mr.. and Mrs. H. D. Outright.
Miss Helen Ward of Welbourn'
spent Sunday with her sister, Mrs. D.
vid Hancock, Jr., and Mr.. Hancock.
Miss Mabel Jones spent the week
end with her brother, Mr.. and Mrs
Frank Jones at Pocomoke.
Mrs. Florence Webb is spending
some time with her sister, Mrs. w
J. Payne at Pocomoke.
Worcester Democrat and the ledger-enterprise., 1938-10-14
Stockton News

Mr.. and Mrs. William Baylis and
son, spent a part of last week with
their daughter, Mrs. Harry Wander
sloot in Wilmington.
Mrs. j. ]. Finnegan and two daugh.
ters and Miss Helen Churr of Camden
N. J.J, and Mr.. Gilbert Bardoff of Col.
linswood, N. j., spent last weekend
with Mrs. Mary Peyton.
Miss Lydia Birmingham, of Snow
Hill, was the guest Sunday of Mr.
and Mrs. Alfred Birmingham.
Mr.. and Mrs. James Nicholson anG
family spent Sunday with Mr.. anc
Mrs. Roy Guthrie at Fruitland.
Mr.. and Mrs. Norman Collins anG
little daughter of Greenbackville, Wis.
tied her parents, Mr.. and Mrs. William
Parsons.
Mr.. and Mrs. George Reid and fam
lily of Pocomoke were guests Sunday
of Mr.. and Mrs. X. C. Petit.
Mrs. Vernon Baylis and Miss Patsy
Morse returned home Sunday after
spending some time with Mr.. and Mrs
Anthony DeStefano in Philadelphia.
Mr.. and Mrs. Martin Petit and
family of Onancock visited Mr.. and
Mrs. Owen Pilchard, Sunday.
Miss Elizabeth Jones of Pocomoke
spent the weekend with her aunt,
Mrs. Murray Timmons.
Mr.. and Mrs. Elwood Pusey, of
Snow Hill, are spending some time
with her parents, Mr.. and Mrs. Alfred
Birmingham.
Mr.. and Mrs. Paul Clifton, Mr.. and
Mrs. Garrett Clifton, Miss Anna Cliff
ton and Miss Dorothy Clifton of Will
mington, spent part of last week
with Mr.. and Mrs. Leon Clifton.
Mr.. Marshall M. Merritt, of Wash
ington, D. c., spent the weekend with
relatives here.
Worcester Democrat and the ledger-enterprise., 1938-10-14
SNOW HILL HIGH SCHOOL
BROADCAST

soon blown for half the game. The
score being 3-2 in favor of Stockton.
During the last half Stockton made
another goal and this made the final
score 5-2 in their favor.
Even though Snow Hill was defeat
ed at this game, we are going to try
very hard to win next Friday, when
we play one of our regular scheduled
games there.
LIBRARY NOTES
The library wishes to acknowledge
the following gifts made this week:
A complete file of the Readers
Digest" for 1887 from Mrs. Harris
Corddry, who gave also the Mature
magazine mentioned in last weeks
news.
"Air Travel' by James E. Mooney
This book should be of particular in
Worcester Democrat and the ledger-enterprise., 1938-10-14

terest to the young aviation enthu-
lasts.
Copies of "Time" from January to
September 1885 from Miss Gladys
Gibbons.
Plans are under way to organize a
library club. Membership is open to
students who are interested in learn
ing library methods, in meeting to dis
cuss books, and in improving the lib
rary. The club will meet in the near
future to elect officers and to outline
plans for the year.
Among the most useful additions to
the library this year is the abridged
Readers Guide" This is an index to
periodicals from July 1885 to August
1898. Each month there is added n
supplement which is an index to the
current magazines. The library sub
scribes to the following magazines in
deXed in the abridged Readers
Guide:"
American magazine, Wilson Bulle-
tin, Time, Readers Digest, National
Geographic, Scribner's, Nature maga-
zine, Current History, and the Scien-
tific American. The Library receives
also the following magazines not list
ed in the Readers Guide: Life, Sat-
urday Evening Post and the American
Boy.
Worcester Democrat and the ledger-enterprise., 1938-10-14

police show a decline of % per cent in
fatalities, Is per cent in all types OF
motor vehicle accident, and Is per
cent in the number of persons injur-
ed, in the nine months ended Septem-
ber 80, as compared with the first
nine months of last year.
In this period, there were 1886 au-
tomobile accidents throughout the
State, compared with 1893 in the
same period last year. There were
S6S persons injured, compared with
1,127 and fatalities were 53, compared
with rs last year
Wilmington police reported a de-
crease of 30 per cent in accidents, 21
per cent in the number of persons in
Worcester Democrat and the ledger-enterprise., 1938-10-14

iured and % per cent IN fatalities in
the nine months. State police report
ed a decline of five per cent in acci-
dents, 81 per cent in the number of
persons injured, and so per cent in
fatalities.
While the State police figures show
a decline of only five per cent in the
number of accidents as compared with
Worcester Democrat and the ledger-enterprise., 1938-10-14

last year, the decline actually is clos
or to IS per cent. 1t is explained that
in August the State police started
counting all motor vehicle accidents
for statistical purposes, regardless of
how slight the property damage was,
whereas previous to August only ac-
cidents involving damage of $50 or
more We're counted.
Worcester Democrat and the ledger-enterprise., 1938-10-14
SOCIAL NEWS

Margaret Barnes 40 visited friends
in Wilmington over the weekend.
Irene Tull 40 attended the bootball
game in Annapolis on Saturday.
Ellen Blackboard '39 and Evan
geline Vincent '39 spent Wednesday
night with Mabel Jackson '39.
Mabel Jackson '39 visited relatives
in Baltimore over the weekend. She
also visited Ruth Clarke '37 at the
State Sanitorium.
Rosemary Corddry al and Shirley
Townsend al spent Saturday after
noon with Florence Laws 40.
Virginia Cropper 40 spent Sunday
with Betty Bradford 42.
Otho Mariner 40 spent Sunday af-
ternoon with Archer Holloway '39.
Kathleen Parker '39 entertained the
Senior class last Wednesday in honor
of her 10th birthday.
Harriet Ruth Cherrix visited rela-
tives in Virginia on Sunday.
Rosalie Truitt visited friends in
Salisbury on Saturday.
Jean Pusey entertained friends from
Virginia on Sunday.
Dorothy Tyndall visited Betty Tyn-
dali on Sunday.
ALUMNI NEWS
Among those present at Kathleen
Parker's birthday party were Ruth
Jackson '38, Dorotha Tull '38, and
Robert L. Smith '37.
SOCCER
Monday, October a, Snow Hills Soc
Ger team met Ocean City in the first
practice game of the seaon. Ocean
City came out of the game victorious
by the score of 1914, but Snow Hill
came out with much more experience.
Friday October Snow Hill met and
defeated Stockton by the score of 40.
In this game, which was also prac-
tice game, Snow Hill found several
mistakes which will be corrected at
the next practice. Snow Hills reg
ular schedule starts Wednesday, Oc-
tober IL, at Pocomoke. We are all
hoping for a victory.
ATHLETIC ASSOCIATION MEETS
The Athletic Association held a
meeting October 9Th. AS as had been
decided previously that all people who
sold five subscriptions for the maga-
zine campaign would receive an ath-
letic ticket, the treasurer was asked
to find out how many pupils had earn
ed the ticket.
The Athletic Association is planning
to get kit for the soccer boys which
they hope to have ready for them
soon.
The Club planned to have pep
meeting some time before the games
begin.
FIELD BALL
The Field Ball girls of '38 Travelled
to Stockton, Friday, for a practice
game.
This game didn't go so well for
Snow Hill. AS soon as the whistle
was blown the new members didn't
seem to know just what to do. A few
minutes later they got more into the
game and succeeded in carrying the
ball down the field. The whistle was
Worcester Democrat and the ledger-enterprise., 1938-10-14
DELAWARE AUTOMOBILE
ACCIDENTS DECREASE

Automobile accident statistics made
public by the Wilmington and State
The Hardin tribune-herald. [volume] (Hardin, Mont.) 1925-1973, 1938-05-12
Steve UPPER
SUDDENLY
Was Former Business Mon
In Hardin. Well Known
To Old Timers Here

j. Steve Upper, former Har-
din resident, died suddenly last
Friday at his home in Lincoln,
Nebraska. Mr.. Topper was in
business in Lincoln at the time
of his death.
Born at Ames, Iowa, July II,
1873 he later homesteaded about
nine miles north of Hardin in
1905, and served as station ag-
ent for the Burlington railroad
here, as well as in Lead, South
Dakota. and other points thru
out the west.
He and J. w. Johnston oper-
ated a furniture and hardware
store in Hardin in the building
now occupied by the Mission
billiard parlor.
Surviving are his wife, Maude
a daughter, Cynthia Louise, who
is a school teacher at st.
Louis, Missouri, Kent of Lin
coin, and one sister Mrs. J.
CaSS Cornell of Lincoln.
Funeral services were held
Saturday in Lincoln.
The Hardin tribune-herald. [volume] (Hardin, Mont.) 1925-1973, 1938-05-12
All Club Council
Elects Officers

Officers were elected at the
annual meeting of the All
council of Big Horn county
Thursday of last week.
Those chosen we're: Karney
Redman of Wyola, president;
Mrs. Paul Schaller of st. Xav-
Ter, vice president and A.. H.
Walker of Crow Agency, secre-
tary.
In addition to the officers,
delegates to the All state con-
vention at BoZeman in June
were chosen. They were Mrs.
A. H. Walker of Crow Agency
and Mrs. o. E. Robertson of St.
Xavier. In addition to these
leader delegates, three club
members will be selected to at
tend the convention.
Miss Pauline Bunting, assis-
tana state club leader, of Boze-
man attended the meeting and
discussed plans for club activ-
tiles for the coming year.
Two countrywide activities
were discussed at the meeting
Thursday. Plans were discussed
for the achievement day pro-
gram, which will probably BE-
held in September. The county
wide camp. to be held in July
was also discussed, and it was
voted to hold the gathering ir
the county so that more of the
Big Horn county All club mem
bers could attend.
The Hardin tribune-herald. [volume] (Hardin, Mont.) 1925-1973, 1938-05-12
TEN FILE FOR
COUNTY OFFICES

To date ten Big Horn coun-
ty citizens have thrown their
hats into the political ring and
entered the race for various
county offices.
OF those who have filed, five
are Republicans and five are
Democrats.
The candidates and the dates
they filed are as follows: Thorn
as Macleod, Republican, county
commissioner, May 10: Andrew
Miller. Republican, county CON-
missioner. May 9: Harry Cox,
Republican, county clerk and
recorder, May 6; M. B. Evenson,
Republican, county treasurer,
May 2: R. J. Miller, Democrat,
state representative, April %:
j. A. Powers, Democrat, county
commissioner, May 10; Henry
H. Ulrich, Democrat, county
sheriff, May 9; Denver Sherman,
Democrat, county sheriff, May
3; Charles B. Stobaugh, Demo-
crat, county superintendent,
May II; Bert Kronmiller, Re-
publican, county attorney, May
IL;
The Hardin tribune-herald. [volume] (Hardin, Mont.) 1925-1973, 1938-05-12
BASEbALLFANS
TO See TWO GAMES
Hordin Merchants And
American Legion Juniors
To Display Wares Sunday

Hardin baseball fans will see
their first real baseball games
Of the season Sunday when the
Fort Mackenzie team and the
Sheridan American Legion jun-
Tor nine come to Hardin to
play the Merchants and the
Hardin American Legion spon-
sored team.
The Hardin Merchants lost a
l to O game to the Sheridan
team at Sheridan last Sunday,
ana are ANXIOUS to avenge
the defeat.
The Sheridan American Le-
gion team were the 1887 cham
pions in Wyoming in 1887 it was
stated.
New uniforms will be used
oy the American Legion team.
The team has ben practicing
regularly and have played two
practice games, coach SaWickI
stated.
Members of the Legion squad
are McGrath, Moos, Loucks,
kerrick, Bulls, CodneyS, Koeb-
be, GuStafSon, lesser, Kalberg,
Hogan, Morris, Bochy, Kleinhes-
selink, Arndt, Elder and Mcleod.
The first game will start at
l pm. with the other following
Immediately. A large crowd is
expected to attend the games.
The Hardin tribune-herald. [volume] (Hardin, Mont.) 1925-1973, 1938-05-12
Colin Macleod
Honored Agdin
Receives Representative
DeMoldY Award
Friday

The local DeMolay chapter
was informed Friday that Colin
Macleod had again been hon
ored by the Grand Chapter, Or
der of DeMolay, when he was
given the Representative Demo-
lay award.
To be given this award, a De-
MOlav must have a high rating
in the seventeen standards lis
ted as qualifications for the
honor. These standards are: ed
ucation. reading, self expression
current history. nature interests,
life work, health education
care of the body, physical act.
ivities. physical fitness, manual
skill. home relationships. relig-
ious ideals, recreational habits
chapter loyalty, self mastery
and citizenship.
The Representative DeMoay
award may be earned by either
an active or majority DeMolay
Winning it gives a young mar
the right to wear distinctive in
sigma in recognition of the
honor.
The Hardin tribune-herald. [volume] (Hardin, Mont.) 1925-1973, 1938-05-12
Billings Woman
To Head Scouts
Local Girl Places At Meet
ing With Exhibit of
Flowers

At the regional Girl Scout
conference held in Boise, Idaho,
May 4 to 6, Mrs. l.. R.. Aldrich,
Commissioner of the Billings
Girl Scout Council was elected
chairman of the Rocky Noun
tain region, according to a let
ter received here Wednesday
from Mrs. M. A. Thompson, who
attended the meeting.
Mrs. Aldrich succeeds Mrs.
Herbert webster of Rock
Swings, Wvomino. The Billings
Scout Commissioner is well
known in Hardin, and has
helped to establish a close bond
between Hardin and Billings
Girl Scouts.
LaNell Boughton of Hardin
received third place in the Glass
A groun with her exhibit of
pressed specimens of wild flow
erS, garden flo rerS and tree
leaves. Reno, Nevada rlaced
first and Nampa, Idaho second
in the group.
Ogden, Utah. has extended an
invitation to the 1889 confer
6nce.