davidaulloa/AmericanStories huggingface dataset:
Evening star., 1939-10-20

disguise the more voluptuous figure
successfully. We saw it in one of
the new vintage shades, and with
a row Of small buttons straight
down the front it is one of the
Smartest and most appropriate
frocks in the collection.
Coats and Capes
Outstanding.
Continuing in her plan for suit
able wardrobe. the grand duchess
selected number of coats and capes
that are ideally suited for more
mature ladies. Her cape, which has
been sensation, is made on mill
tary lines, full length, with frog
fastenings. All interlined and
warm enough for winter weather.
this model has been we'll accepted
and is an excellent subterfuge for
those extra pounds. Among the
coats there is one black model with
collar and narrow front panel of
Persian lamb. The three-button
fastening is placed quite low, and
the silhouette is neither fitted nor
boXy, but, instead. conforms to the
figure. An imported box tweed has
the fabric manipulated for slender
izlng lines and boasts a panel back
achieved by means of wide stitched
tuckS. This same feature is found
in sWagger black coat trimmed
with Persian lamb. incidentally,
fluffy furs like fox are used for
trimming, but the collars are so
worked into the silhouette that no
extra weight is added by the long
haired furs.
When we got around to looking
at the hats, there seemed to be one
outstanding quality-there are di-
versifled styles to suit every type
Of face. The hats are thoroughly
Wearable. yet extremely smart.
Lovely fabrics such as velvet, fine
felts, velours and beaver felts are
used; the trimmings include wells,
quilts, feathers and fur trimming
of mink and Persian lamb and they
are done in every silhouette from
the pillbox to the sailor. AS is true
of the entire collection of clothes,
the hats are free from ornateness.
They are trimmed smartly. but re-
tain conservative air that appeals
to the older woman who likes her
fashions gorgeous but not gaudy.
We think it's fine thing that.
the grand duchess has done. The
older woman has long needed smart,
good-looking clothes designed espe-
cially for her and not reproduced
in the departments which cater to
her daughter. After all these years
mother gets a break.
Evening star., 1939-10-20

DEAR MISS NOVEL;:
Over the front door of our house
In the country is slab of granite.
We have bought the house and would
like to have the name we have made
Evening star., 1939-10-20
By BARBARA BELL.

Make your schoolgirl daughter
half a dozen slip and pantie sets
like 1868. Both fit beautifully. The
slip has side inserts to create added
flare, to go with her new full frocks
Nainsook, batiste and lingerie crepe
are the materials for this set-plain
for school-trimmed with lace or
embroidery for dressup.
The layette 1714-B provides
everything necessary to the little
Evening star., 1939-10-20

y
walls built in impervious clay in
which there Is no standing water.
However, he reckoned without the
earth and top soil which overlays
the clay. This carries rain water to
the upper part Of the cellar wall
and, encountering little resistance,
the water continues on through the
interior. Such resistance could be
supplied, now that the house is
built, by coat of waterproof
cement applied to the interior. The
best thing to do is to prevent the
water from reaching the wall in the
first place. Dig narrow trench
several feet away from the wall to
depth of l foot below the top
Of the clay. Along the bottom of
this trench lay tile drain pipe lead
Ing to the sewer. Cover the pipe
with broken stone and fill the trench
with gravel and soil.
DEAR MISS NOVEL;:
I have a large bedroom which
I use for a study and workroom as
well, with my desk and telephone
IN one end and the sleeping ar
rangements in the other. I need
filing space for piles of clippings
and manuscripts and do not care
for the usual type of filing cabinets,
though I would like their efficiency.
Have you any suggestions of what
might use that would not make my
room look like an Office but would
keep my work in good order?
K.
AnsWer-There are heavy paper
filing cabinets with steel bandings
which you may purchase. They are
similar in construction to the moth
proof chests that many of us pur-
chase, and are excellent for stor-
age in your room because you may
paper them to match your walls,
paint or otherwise decorate them.
They, of course. will not stand up
in an Office with constant use as
steel filing cabinet would, but with
the care you would give them I
should think they will be very salts
factory.
DEAR MISS NOVEL;:
Over the front door of our house
In the country is a slab of granite.
We have bought the house and would
like to have the name We have made
Evening star., 1939-10-20

up for 1t placed on this stone, but
the spot is hard to reach, even with
ladder. Would it be possible for
a mason to chisel the name in place
without removing the block?
MR.. E. D. 8.
Answer-The job could be done
quite readily by means of sand
blasting and so quickly that the
aWkWardnesS of the location would
be of little consequence. By this
process the stone is covered with a
protective rubber-nke blanket from
which the letters have been cut
out, like stencil. Through a COM
pressed air nozzle an abrasive SUBJ
stance, usually white silica sand. is
blown against the face of the stone
at high velocity.
DEAR MISS NOVEL;:
I have very lovely Bohemian
glass decanter which was packed
with the heavy stopper in place and
the whole top Of the bottle has been
broken off. 1t seems too lovely to
throw away, yet I am sure that it
would never hold together if I
mended it. Is there any one skillful
enough to mend this so that it is
at least an ornament even if it can
no longer be useful?
MRS. M. XII.
AnsWer-There are several ex-
perts in town who can give YOU
back your decanter in perfect shape,
I think it may even be useful un-
less the weight of the stopper is
excessive. 1 shall be glad to send
you several names.
Questions on household fur.
nishings, interior decorations,
ETC., should be addressed to Mar.
garet NOVEL; at The Evening
Star. The answers will appear in
this columns as quickly as space
Evening star., 1939-10-20

Christmas coming With thoughts
whom Many people viii appreciate gift picture Of this scene in the
embroidered linen sat Why the
to them? The design ii by 13 inches will look well
an by-l5nch frame easily purchased glass and all in stores
To obtain this pattern send for No. 1889 ipclose IS
stamps coin to service and postage Address orders the Needle
work Editor Of The Evening Star.
Evening star., 1939-10-20
Clothes Selected Especially for the Mature
Smart and Conservative
Fashions Sponsored by
Grand Duchess Marie
Corsets, Dresses and Coats
Boast Slenderizing Lines;
Millinery Is Wearable
By HELEN VOGT.

M Come the middle Of next week we wouldn't be too surprised
starters making coy bows The occasion the
goodness royalty in the of Grand
When you make fguave
represents if you're what tho
Evening star., 1939-10-20
Keep Water Out of Cellar
By Means of Drain Pipe
In an Outside Trench
Heavy Paper Filing Cabinets
May Be Suitably Adorned
And Used in Bedroom
BY MARGARET NOVEL;.


The builder OF our house states that
we require no for the basement
water through the cellar walls quantities What
be done? MR. F n r. ~
Answer1t quite true builder you that no water
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
Publications by Government
Big Help to Home Builders

are listed. Ten of them are free.
There are 10 free publications
wholly or partly related to con-
crete foundations. There are 10
electrical items in the list. 10 on
fire prevention and protection, 80
on floors and joists, two on garage
construction. "a on heating, 81 on
general house construction, Is on
house maintenance and modern
ization, Is on household helps, 81
On wood and lumber, and scores
more on financing, gas, insulation,
kitchens, landscaping, painting and
decorating, mortar and plastering,
planning, plumbing, refrigeration.
roofing, sewage disposal, stone,
water supply, and even an rat
probing
I'm short, the department Of
commerce List of Published Ma
terial Relating to Home Building
and Maintenance embodies a
source OF published information on
the home that is matched only by
the amount of government and
other publications available to the
farmer. It's volume and wide
range Of subjects demonstrate that
the building industry is as modern
as any other in its materials and
technology. and that home build
ing has been kept at the front Of
the march OF industrial progress. /"
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
ALL TIME HIGH
IN THRIFT ADS

WASHINGTON-This years ex-
penditures for advertising by saw
ings and loan associations to en-
courage thrift and home ownership
will probably reach an all time
high.
This forecast by the Public Re-
lations Department of the Federal
Home Loan Bank Board Ia based
upon the sharp advance in mort
gage lending activity OF savings
and load associations this year as
compared with 1888 and previous
years, an accompanying rise in
residential construction, and an
analysis of associations advertise
ing OUTLAWS last year.
On the basis Of these trends,
advertising appropriations by men,
Der associations Of the Federal
Home Loan Bank System this year
win be in excess of $4,000, 900, the
department estimates.
Approximately 30 per cent of
this total will have been used by
savings and loan association men,
bers to buy newspaper space. II
previous methods were followed,
the department states.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
MUST CONSIDER
BOTH FACTORS
Ability, Incentive of
Borrower Must
Be Checked

The likelihood of repayment Of
home mortgage loan depends on
two principal factors. according to
Federal Housing Administrator
Stewart Mcdonald. These are the
ability Of the borrower to pay and
the incentive Of the borrower to
pay.
The ability TO pay" he ex-
planned, depends primarily upon
income and secondly upon wealth
Of the borrower. Since mortgages
secure obligations which last over a
relatively long term. analysis Of the
ability, and incentive to pay. must
embrace a term Of years coincident
with the term Of the mortgage.
Thus, permanency of employment
and earnings or OF other income
must be considered.
VIII Wear Off
ALSO. continued incentive to pay
must be taken into account. Much
OF the mortgage trouble in the past
may have arisen from the assump-
ton that the incentive to pay,
which reaches its peak at a time
when family acquires a home will
continue through the term Of the
mortgage. But the forces which
create a climax Of incentive at the
time Of purchase and occupancy,
particularly Of q new home, cannot
be expected to maintain a similar
intensity throughout the term Of
the mortgage. The excitement and
satisfaction attendant upon moving
into a newly-acquired home are
likely to wear off with the passage
Of time.
Strain Ability
This process is likely to be
much accelerated il the obligations
undertaken at the time OF the
mortgage transaction strain the
ability of the borrower to meet his
payments. In the exuberance of
acquiring q home, a family Is likely
to underestimate the sacrifice
which their obligations may entail
and exaggerate the satisfaction
which continued occupancy of the
property will bring.
in brief, balance must be
maintained between the obligations
incurred under the mortgage and
other opportunities on the family
budget. II this balance is not
maintained, the ability and incen-
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28

Many present and prospective
home-owners are unaware Of the
availability OF q large number of
publications on the home by the
federal government and the build
ing industry. They compose q
large and up-to-date library Of In
formation that will save money
and lead to better living II studied
and applied by the present or
prospective home owning family.
The greater number of these pub
locations may be obtained free.
upon request. Those for which
charges are made can be had for
from 8 to so cents per copy. A
study Of these publications has re-
Gently been made by Western
Homes Foundation. on the basis
of a List of Published Material
Relating to Home Building and
Maintenance" prepared and pub
lished by the u. s. department Of
commerce, Washington. d. c. It
may be had free. by writing the
department and asking for it by
title.
From this list of publications
every home-owner may select au-
thoritative items Of international
material that will guide him ae-
curately In the management Of his
principal investment - his home, I"
says w. C. Bell, chairman OF
Western Homes foundation. From
1t the renter may obtain similar
guides to sound and economical
home ownership. Every element
of the modern home is thoroughly
covered, with lay readers in view.
AS an example, ] cite How to
Judge a Home published by the
national committee on wood utili-
zation Of the department of COM
merce. This may be had for 10
cents. from Washington, d. c., or
from the bureau Of foreign and
domestic commerce, Federal build
ing. Seattle. Twenty-six publica-
tons on brick and clay products
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
BIG INCREASE
IN Y MONTHS
Best Year Since De.
preston for Buy
ing, Building

WASHINGTON More American
families began buying homes or
improved their properties in 1889
than in any previous year since
the depression, T. d. Webb, vice
chairman Of the Federal Home
Loan Bank Board, declared today.
Webb cited the volume Of new
mortgage loans by savings and
loan associations which for the
first ten months aggregated SSH
1875, 900, an increase Of s1e. 1se. 900
over that for the entire previous
year and s46,sl5,oo greater than
in the first ten months of 1887.
When complete statistics for
November and December. are re-
ceived," Webb said, ut VIII doubt
less be seen that new mortgage
lending activities by associations
which do the bulk OF the home
financing business throughout the
country-in 1889 will have consid-
erably surpassed the figures for
1eS7-the previous record post
depression years. there has been
every indication OF the January
October upswing continuing to the
end OF the year.
OF the ten-month advances.
Webb said S247 sos, 900 was ex-
tended for new construction. $751;
$4,000 for home purchase. $751;
SIS. 900 for refinancing. $50. 40s. 900
for reconditioning. and $50, 2s3, 900
for other purposes.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
PROVIDE SPACE FOR
ALL HOUSEHOLD TASKS

Space must be provided for
laundering and household tasks in
the new small home. II there is q
basement. laundering and most Of
the chores can be done there.
Wherever possible, 1t Ia better
for laundering to be done on the
first floor. Laundry work is diff
cult at best. but when carried on
In unpleasant dank surroundings
It becomes needlessly burdensome.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28

While various authorities insist
that such prices are not too high
and others refer to even sharper
moreasss n general commodity
pFlces the hank board pointed out
that many economists hold the
opinion that the price increases In
building msterisls In 1887 were
partly responsible for the hating
y the recovery In residential con-
etrucfion It that time.
Detailed reports received by the
Home Owners Loan corporation In
IT. reconditioning activities show
that prices Of building materials
1olivsred On the Job 70 contractors
u September were IS per cent
aneve August prices, and prelim-
lnaxy reports indicate . continual
tion of the trend In October, the
beard pointed out. It also quoted
q bureau q labor statistics index
showing that Wholesale prices Of
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
C0RDELL HULL ASSIGNS
ENVOY TO new DUTIES

WASHINGTON - The w hit
House announced that Ambassador
to Belgium Joseph E. Davies will
take a special state department
assignment as an adviser on inter-
national trade and on war emery
ency problems.
He will be designated rs a spe-
cisl assistant to Secretary OF State
Cordell Hull.
There was speculation that for
mer Governor George II. Earle Of
Pennsylvania, once minister to
Austria, may be appointed to the
Brussels post.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
Uniform Foreclosure Laaus
Would Boost Construction

Revision and Standardization of
state home-mortgage foreclosure
laws must be undertaken IL there Is
to be a sustained and increasing
program OF new low cost home
construction, Abner H. Ferguson,
general counsel OF the federal hous-
ing administration. writes in the
December issue of the Insured
Mortgage Portfolio, official publ
cation of the FILA.
The growing need for such uni
form legislation has become in
creasingly apparent since the Sd-
vent, during the past few years, of
the long-term single amortized
mortgage with its small down pay
ment and low interest rate, Mr..
Ferguson states.
''The logic in such a step" says
Mr.. Ferguson. has been empha-
sized in recent months by the fact
that lenders in some states where
foreclosure costs are high have
been unwililng-and perhaps jus
tifiably SOTO make loans under
the FHA's new Title I home-loan
insurance plan in the maximum
allowable amounts"
Obstacle 10 Home Ownership
This obstacle consequently with
holds the privileges of home owner
ship under this plan from many
communities. In such cases lend
ers consider the risk too great in
view OF the high foreclosure costs
in relation to the small down pay
ments las low as per cent? and
the long period over which the pay
ments may be extended.
1T is natural" continues Mr..
Ferguson, that foreclosure costs
have become OF much more lively
concern 10 mortgage lenders than
was formerly the case. Funds-
mentally these costs determine to
a considerable extent both the cost
OF mortgage money TO the borrow
er and the type OF home-financing
plan used by the lending insttu-
tons Of the community.
Lack Justification
I'm a day when costs OF home
financing In general have declined
to lower levels than ever before in
this country. the maintenance Of
foreclosure costs al the exorbitant
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28

building materials rose from SO. :
a Aug. rs 10 els on Oct Z and
TO ISL on Nov. IL.
start At High Point
The September rise in The
prices Of building materials was
not az sharp a. that of finished
products and Of raw materials In
general" the bank board reported.
The recent rise In prices Of build
ing materials, however. started
from q relatively high level. the
August figure being 500 per cent
Of the 1926 level. Prices for other
materials, on the other hand, had
been declining for two years and
stood at . very low level: In
August, the general price level Of
raw materials stood at 6e.5 per
cent and finished products at 7s.1
per cent Of 1925.
Whereas the general price level.
both Of raw materials and finished
products, leveled off or declined
during October, the prices Of build
ing materials continued to rise.
stecln Not Depleted
at hardly seems likely that the
recent rise In prices Of building
materials was due to depleted in
vsntories. According TO Dun's Re-
view for September, the index of
inventories Of wholesalers Of ium-
Der and building materials tJan.
/. 1885. equals 1901 stood at 1873
on July / OF this year a. compared
with l36 on Jan. and 136 July i,
1888. Also. according to Dun's
Review. the index Of inventories
Of retailers Of lumber ana building
materials stood at 123 on July 1
Of this year ~ compared with 11s
on Jan. ! and lis on July 1, 1888.
The latest figure represents the
high point In such inventories for
some years.
Lumber Industry Active
"A report Of the National Lum-
her Manufacturers' association "
significant - and may carry .
warning. For the first IS weeks
Of this year. production was Is per
cent above that Of the same period
In 1888. shipments were IT per cent
greater and orders were up 10 per
cent. For the week of Nov. IL
after two months OF rising prices
production was rs per cent and
shipments ~ per cent greater than
In the same week In 1888, while
orders showed a decline OF 9 per
cent.
ut II true" the bank board re-
port declared. ''that general bust
ness conditions now are sounder
than at the time building fell off
In company with . general decline
In 1887. At the same time It Ia
recognized that price uncertainty
instiils an element Of hesitancy In
contractors and builders that IL
quickly transmitted to the general
public and which may cause
serious decline In the output Of the
entire construction industry"
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
Home Owners'
Useful Hints
Absorb Closet Moisture

Closets are likely to become
damp during prolonged wet per-
iods, and this will frequently result
in m ldewed clothing. Several
methods of absorbing the damp
ness are available, but one of the
cheapest and most effective IL by
turning on an electric light in the
closet and letting 1t burn continu-
ously with the door closed until
the trouble has disappeared.
Quicker results are obtained
when the light is placed near the
floor, as this position aids circu-
lation of the heat. A lamp of 20
watts is usually sufficient for the
average closet. The home owner
should avoid placing the bulb
where it would come in contact
with clothing and thus create a
fire hazard.
Local Lighting
Local lighting is a term used to
describe lighting fixtures placed In
positions where concentrated light
10 desirable, such as over kitchen
sinks, kitchen ranges, work table,
or laundry trays. The term may
also be used in interior decora-
ton, where a fixture ia placed in
some special position to throw
light on an object of art, a shelf
Of books. or in some cases on wall
paintings.
Trailing electric cords are not
only unsightly but often hazardous,
and where no outlet is available to
serve local" lighting fixture one
should be installed.
Heat-Proof Paint
Smoke pipes, flues, and other
metal surfaces subject to high
temperatures should be protected
with a paint prepared especially
for the purpose. Such paints will
tend to prevent rust and prolong
the life Of the metal.
Waxing Floors
Moderately used floors need not
be waxed more than two or three
times a year. Care must be taken
in the application of the wax, for
the common mistake of applying
too much wax results in the sur
plus remaining on the surface in
soft coat that collects dust and
is easily marred.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28
HEATED TILE FLOOR
USED In BATHROOM

Even in this day of innovations
and surprises, an electrically heat
ed tile bathroom floor recently
tested in a Los Angeles home Is
attracting considerable attention.
Operating from a switch on the
bathroom wall. It takes about 20
minutes for the tile to reach so
degrees F. and less than five min
utes to dispel the chill and make
the tile comfortable to walk upon
in barefoot.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-12-28

levels at which they now stand in
some communities lack any justi-
fication."
These stringent and expensive
foreclosure procedures might pos
sibly serve a purpose IL they gave
some additional measure of protec-
ton to the rights OF home owners.
But they give no more security
than some of the least costly and
most expeditions statutes, Mr.. Fer
guson says. In fact, these costs in
the final analysis are charged to
the bill of the good borrowers.