davidaulloa/AmericanStories huggingface dataset:
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17
MUST CONSIDER
DOWN PAYMENT

Federal Housing Administrators
Stewart Mcdonald has cautioned
prospective home buyers against
assuming that the liesrallsed ma
tional housing act amendments
now IN effect furnish any ".msgse"
vsy Of buying home.
While tire new amendments a.
fer what u believed 10 be q liberal
method 81 financing home ever .
period Of years" Mr.. Mcpoaald
said. the fact remains that there
are \ number Of protective require
ments which must Be met before
insurance will be granted on .
mortgage under our insured mort
gage system.
Irresponsihles Ineligible
Moreover" Mr.. Mcdonald ex-
planned, 1T must not be assumed
for a single minute that the ire
sponsihle person. motivated largely
by the .get-something -for-nothing'
impulse. can even hope to meet the
requirements necessary to borrow
private funds from approved lend
ing institutions with which to buy
under our plan.
ITO begin with. there II the
initial down payment to be con-
sidered. which amounts 10 either
10 or 20 per cent of the appraised
valuation OF the property. An
other factor given especial atten-
ton in FHA's risk-rating technique
In the borrowers credit standing
and the likelihood of his being able
to liquidate the mortgage indebted
ness over 4 period Of years. In
addition. hit-or-miss methods 81
building. and the construction Of
homes not In conformity with
those In the immediate neighbor-
hood or IN localities unlikely to
resist encroaching adverse influ-
ences, cnHnot DC aPPIoFeu-
System IL Sound.
All OF this does not mean that
the insured mortgage system has
set up restrictions which have or
are likely to prove too prohibitive.
On the contrary, our record Of
thousands Of homes built and
bought under the insured mort
gage system shows very clearly
that its operations are practical"
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17

slmrEa arm ~ns tezzv nNn(IW
hut n REFUSED msaxsI -. 81
ma rouepd rim u - nttleo. ~
AID nn1 Cd uuzlld eoro ~ -
healing
lam tIennl&y. iea<Ier q N ~
~he aetnssea rumn61eroele -
llrlty several roaru ~ uN69 -
AIn>osf dle1 IL naone MA ~ ~
snahs festival. Wioe eoun1y 49,
uffIcoFp n(oud ~ u nfv<11 - y
any ~ IN nn6leoeo ~ h1>1~n
n pre~>ef apeA - evuNlnnlI1y.
HERSHEY rpp>d ~ ro1loo1 eQ11l&
rrux1ssced three IN orown fG>>1o
naah~s and swe eepppv keo<a ~
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17
Ellensbure Rodee
10 BE SEPT. ~

ElLENuDUu - - - e1kv =
looking Tor ~ eeeW1D 1T ~ so6eo
saturday. es1n6ay - Laess -.
Sept. : ~ I.
hsersiasy vrsz r. 16eflmsn =
In rodeo declares thol ~ ~
probably 80 so-<aIled ro6eeo y
IN n. .. each year, tnese are
only : few oulesnadlaG shows iIk~
ntIsnsbure II Wsnninetou. rea1toe
I'm In Oregon. cheyense n Wye-
ming. Calgary u AIhertA AsA ~
iinA4 In callfnrntn.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17
Homeland" Program T axes
Best Values of the Past

fasss q tried and tested principle
and nj - : ranae<a fer hou<snr
lila In Ire ~erss. q Charles
woiflsa. Il Evansville. Ind. oslx-
mater a. ne program. he Turn.
lnx II re leisure = family brad
winners who are employed IN
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17

Tht building indaastry's n<w
homeland program Il hasically
an effort 10 coordinate and put
lnte general practice sAe h>st
values developed during the past
generation IN esek To- tAe land
movements. In the experience 81
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17
CONSIDER SAFETY OF
STAIRS TO BASEMENT

Cellar stairs In the home should
receive special consideration, espe-
cially from the safety angle. These
steps too frequently are built in
a careless manner. despite the fact
they probably bear heavier loads
than other stairs In the house.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17
zEUCH COMING TO n. ".

The American Foundation For
Abundance announces Fred Lock-
wood viii speak Wednesday night
al the open forum IT ii0es Broad
way The AFA established In ~
states announces from ~ ma
tionai office Edward zeuch sfIi
lecture In the Pacific Northwsat
In November.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17

New residential building In 1874
amounted to about BAT 900 family
units. exclusive OF farm homAs--
the largest number since 1919. 90.
cordins 70 the fifth annual report
OF the federal housing adminis-
tration. approximately 10000
ons.famiiy houses were included.
about 10 per cent more than In
1927 and about 10 per cent ~
many a. In 1929.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17

Awkward and unaghfiy over
head door checks need no longer
Be accepted ~ . nscssssry evil.
Door checks. which Close doors
gently and quietly. are nov avail
abls and can b. Installed In ths
floor. practically out Of sight.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17

In England. approximately hair
the motorists involved IN fatal
road accidents are under 81.
The Tacoma times. [volume] (Tacoma, Wash.) 1903-1949, 1939-08-17

Western Homes foundation Of.
fers the homeland program on tn
Evening star., 1939-09-16

that 1t will lengthen the life Of the
floor covering because 1t prevents
moisture from seeping under the
edge, where 1t can do lot of dam
age over period of time.
The walls Of your bathroom pro-
vide an ideal place for you to en-
ploy all sorts of imagination in dec
Grafton. For some strange reason
it doesn't seem to be quite cricket
to place fish and other creatures on
the walls of dining rooms or bed
rooms, but in the bathroom anything
goes.
A laminated bakelite wall cover
ing makes a most decorative effect
when used in the bath, and because
of its ruggedness you will find that
1t will stand up for many years un-
der the most grueling conditions. It
also lends itself very nicely to the
use of highly decorative inlays in
different colored metals, and YOU
can reproduce in natural colors all
sorts of things from marine designs,
featuring your favorite fish, to fan
ciful brdlife.
Evening star., 1939-09-16

put on as a brush coat If you 50
desire.
If you are contemplating a re-
furnishing OF the floor in your
kitchen, bathroom or CAMERON,
using linoleum or one of the many
other new floor coverings, you really
should round out the job to perfec-
ton using cove base. A cove base,
If you don't already know, Is
finishing piece which is placed all
around the wall where the new floor
covering butts up against it. 1t not
only makes a much handsomer in
stallation, but seals the joint SO that
dust and dirt can't get down in the
crack.
A new flexible type of cove base
material is now available which is
easy to install and is made OF an
asbestos composition which is re-
sistant to cleaning compounds, heat.
and the beating of mops and other
cleaning implements. 1t comes in
standard lengths of 18 inches, and
may be had in either a 4 or 6 inch
height. thereby making it easy for
it to be installed in even the most
complicated of locations. The ma
terial is also flexible enough to be
bent around pretty fair sized
curve, and you can get it with either
inside or outside corners.
A major advantage in using a cove
base of this sort is the fact that it
may be installed without providing
underbedding or keying of any kind,
and is merely cemented in place di-
rectly on the wall. You will also find
Evening star., 1939-09-16

to correct an unpleasant condition
of that sort if it is humanity possible.
We admit it isn't particularly easy
job, but we have run across q
product which the manufacturers
claim will seal up cracks and joints
in pretty astounding fashion.
This pointing mortar, as they call
it, has the peculiar ability of ex-
panding when it sets rather than
contracting like most mortars will.
In fact, after it has been mixed with
water and used to point up joints
or cracks it expands into place with
considerable pressure of its own,
and will withstand weather, moist
ure, heat and vibration thereafter.
Thus you can have your basement
Evening star., 1939-09-16
BY LAWRENCE CROLIUS.

Some houses, Ike some boats,
seem to be almost impossible to keep
dry. The minute a small amount
of rain falls the basement becomes a
shallow swimming pool, and the
walls are damp almost continually.
This condition doesn't seem to be
dependent upon the building con-
struction because even the sturdiest
of houses are sufferers, but we all
know that there are small cracks and
imperfections in the masonry which
let in the moisture.
Before very long now we will be
face to face with the cold, damp
weather of fall and winter and it
would certainly seem like a good idea
Evening star., 1939-09-16
johnson, Jones, Gore
Among Speakers for
League Convention
Factors Affecting Thrift
And Ownership on
Sovings-Loon Program

Gen. Hugh Johnson, Federal Loan
Administrator Jesse H, Jones and
Representative Albert Gore of Ten
nessee are among the nationally
known personalities who will address
the United States Building and Loan
League convention in Atlantic City
September 27-29. Others include
Frank w. Hancock. jr., member of
the Federal Home Loan Bank Board :;
Murray Shields, New York financial
economist, and DR.. Ray B. Wester-
field of Yale University.
The gathering will consist of some
1000 representatives of the savings,
building and loan associations in the
continental United States, Hawaii
and Alaska and will concentrate on
factors affecting the thrift and home
ownership activities of the American
people from within and without.
There will be sessions for State
supervisors of these institutions,
practically all of whom are expected
to attend the convention. Attend
ance will also be drawn from the
executives of Federal Home Loan
Banks, and many directors and ap-
praisers for the associations.
Home Appraisers to Meet.
Expected to be the largest gather
ing of savings and loaners in three
or four years, the convention will
look toward the planning of 1910
procedures. The Society of Resi-
dental Appraisers, holding its con-
vention the day before the league,
will list among its speakers its sec
ond vice president, Frank D. Hall of
New York City. Savings and loan
delegates will attend these sessions
also.
Making loans for new house con-
struction, dividend and interest
rates, the position of the Federal
Savings and Loan Insurance Corp,
investment policies, institutional and
other kinds of advertising, and var
iale rates on home loans will be
among the subjects discussed at the
league meeting. Special sessions for
managers. advertisers and both Fed
eral and insured State-chartered in
stitutions have been arranged.
Papers on Technical Sides.
Savings, building and loan associa-
tion executives from more than a
score of States will give papers or
addresses on the technical sides of
the business, geographical range of
the speaker list being from Califor-
MIA to Massachusetts, and from Texas
and Florida to Wisconsin.
At the close of the convention
several hundred of the delegates will
make a weekend visit to the New
York Worlds Fair, including special
ceremonies in connection with saw
ings and loan day at the fair, Sep
tember 80 Host to the savings and
loan party on its visit to the fairs
home building center will be the
CeloteX Co., which will have repre-
sentatives to guide the party on their
first visit to the grounds and to give
them a detailed tour through the
CeloteX house, one of the 81 model
houses in this portion of the fair.
Ceremonies of savings and loan
day will include an address of well
come by Grover c. Whalen, presi-
dent of the fair, and by George w.
West, the leagues present first vice
president.
Evening star., 1939-09-16

walls filled in with this material and
be pretty sure that they will be
made as tight as wall can be made.
It works equally well on brick, stone,
concrete or masonry, and may be
Evening star., 1939-09-16
Putty Color Effective

A living room combines red and
putty color with effectiveness in its
color scheme. Walls, ceiling and
woodwork are all painted putty COL
or and the floor is covered with a
deep red carpet. Chintz curtains
bear an early American design OF
red on an ecru ground.
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
DUNCAN LEAVES
TODAY TO TAKE
VICKSBURC JOB
WILL WORK FOR SPECIAL
FEDERAL COMMISSION IN
ESTIMATING CAPACITY:
BACK IN TWO MONTHS

B. M. Duncan, former chief
engineer and general manager of
the Overseas Road and Toll
Bridge District, today informed
The Citizen that he had accepted
temporary post with the Vicks-
burg Federal Bridge Commission,
a special federal committee, and
that he and Mrs. Duncan would
leave early this afternoon for
that city.
Duncan will be engaged by the
commission on estimating work
to ascertain the value of the toll
bridge at Vicksburg, Miss, in a
move to change that structure
from a toll to a free passage basis
of operation. The federal bureau
of roads has been authorized to
take over the bridge and a val
uatiOn figure must be decided
upon for purchase purposes.
1.-The work will keep me away
from Key West about two
months" stated Mr.. Duncan this
morning. He and Mrs. Duncan
expect to be back in this city
before Christmas.
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
BATES RETURN
FROM U. S. TOUR
ABSENT FROM CITY TWO
MONTHS ON EXTENDED
VACATION

MIR. and Mrs. w. L. Bates have
returned to Key West after max
ing complete circle of the coun-
try by bus from coast to coast in
two months and still are con-
vinced that Key West has every
section of the country beaten
with its all-around advantages.
Among the highlights of the
trip:
Routed through Jacksonville,
went to Pensacola. Called up
Eddie Wilson, who showed us
Pensacola and all the navy
yards"
At New Orleans the Bates saw
Mr.. and Mrs. Louis Wilson. Mrs.
Wilson is Otto Kirchheiner' s
daughter. Mr.. Wilson is son of
Mrs. Corinne Wilson. Mr.. Bates
said that New Orleans had more
historical spots than any Amer
lean city. The illumination on
Canal street at night was beauti-
full.
AT Baton Rouge walked around
the capital Huey Long built and
saw the spot where he was killed
and his grave in front of the
capital.
At Little Rock, Arkansas, Mrs.
Bates niece met them at the sta
ton. The niece and a nice look
ing blonde friend were studying
laboratory technology together.
They were shown over the city.
Dallas, Texas, was the scene OF
a pleasant visit with another
niece of Mrs. Bates. AT Carls-
bad, New Mexico, the Bates saw
Carlsbad caverns. To get there
they walked five miles. They
Continued on Page Three)
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
POLL SHOWS 100000 VOTERS
Middle-Aged, Middle Income Group Holding Decision
WILL DECIDE PRESIDENTS CHANCES

survey shows that more than go
percent believe third-term presi-
dency would be desirable under
that condition. DIR. Gallup men,
tions only four other men who
might make the White House:
Thomas E. Dewey continues to
be the Republican choice, and
right behind him comes Senator
Vandenberg of Michigan; on the
Democrat side Vice-President
Garner is second to Roosevelt,
followed by Paul v. McNutt, the
new Federal Security Administra-
tor. The prospects of Vanden-
berg and McNutt are brighter
than ever today, DR.. Gallup says.
Skating away from politics, the
survey picks up the subject of
war and the place of America in
it. AT the present time 16 per-
cent want us to 60 after Hitler.
and six percent want a war with
Japan. Before Munich, the milit-
ant figure against Germany was
only five percent. But after Hit
ler's second Czech coup this
spring, the barometer rose sharp
ly to its present point. Curious
" enough DR.. Gallup points out,
the war-minded are not confined
to any one age or income group.
It's a pretty even distribution of
the old and young and well-off
and poor who are itching for a
fight. The rest of the population,
the so or 80 percent. desire two
things: peace and assistance to
England and France. Whether
these two desires are contradic-
tory is a moot question, which
Congress is bound to answer.
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
ftThis is the last of a series
of articles by Miss Marie Cap
pick on the resources of Key
West and the Florida KeYs.l

A few acres of Key land plant
ed sin aloe which at this time is
commanding high prices on ac-
count of its medicinal values,
would be a capital investment.
Aloe leaves are now bringing
fifty cents a leaf, according to a
recent market news letter. Dish
rag gourds that cost nothing to
grow and are used for cleaning
pans and pots, are now retailing
in five and dime stores in New
York at ten cents each and the
supply is received from Califor-
MIA.
Sisal has long been known for
its place in making rope, but
there are other uses for this
plant. Residents of the Bahamas
use it for making hats, hand
bags, baskets, floor mats and 9TH
er useful articles. The sea weed
that is washed up on our shores
has health-giving qualities. There
is iodine and iron in this weed.
and recently there has been
placed on the market sea weed
tablets for those deficient in iron
and iodine. Roselle, known as
the Florida cranberry may be
preserved as other cranberries,
and the tropical fruits, If canned
would find a wide and steady
market. OF course a plant would
be necessary, but if the matter
were presented to the Federal
government there is chance that
plant would be set up for the
use of the Key people. Florida
women know how to put up fruits
in season, and their products are
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05

Thompson and T. Jenkins Curry;
Clerk Ross C.. Sawyer; w. Curry
Harris attorney Tor the Board;
Chief Deputy Sheriff Bernard
Waite, Mayor Willard M.Albury,
Bascom l.. Grooms, VIM. r. Por-
ter, Melvin Russell, E. r. Lowe,
S. c. Singleton, j. w. Johns,
Mary Byron and Kenneth Burg
her. :.
In the Conn communication
relative to the road, which is to
be resurfaced and placed in con-
dition, it was also stated that the
Bureau Of Entomology asked and
was granted the right for the
telephone line and appurtenances
to be removed at any future date.
Letter was read from George
E. Merrick commencing the APP
pointment of Ray Parker to rep
resent Monroe county on the
Landowners Committee, whicn
is to advise with the Commission
of the Everglades District on the
proposed refinancing of the dis
trict. 1t was pointed out that Mr..
Parker was an owner of large
land holdings in the district and
'eminentfy qualified to handle
the matter as pertaining to this
county.
Communication was read from
Secretary Everett Russell express
ing the thanks of the Rotary Club
for the use of county truck in
transporting Boy Scout Troop So
to and from their camp at Snap
per Creek.
Report of Sheriff K. o. Thomp-
son showed deposits in the First
National Bank of county funds
amounting to $133.52.
Copies of two applications to
the War Department for permits
to do certain work on the Flor
ida Keys, from Charles G.. Brand
and Thomas Renedo were read
and ordered placed on file.
Report of Clerk G. Sam B.
Curry of Criminal Court of the
activities of the tribunal during
the past period of September
were read and placed on file.
Reports of Tax Collector Frank
II. Laid were read as follows:
For September the sum deposited
in the First National Bank
amounted to $62630, with the fol-
lowing distribution to the various
funds: General Revenue, $135.80;
Fine and Forfeiture, $49.O5; Spe-
cial Advertising, $49.05; Road
Fund, $65.40; General School,
$l63.50; Special School District
No. l, $163.50.
Mr.. Ladd's second report cov-
cred the period from October
to 4, and showed the following
distribution: General Revenue
$2,849.75, which was the entire
amount collected.
Report of licenses issued during
September, signed by Judge Ray
Continued on Page Four)
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
BILL lee NOW
BACK in CITY
RETURNS FROM VACATION IN
SEVERAL NORTHERN
CITIES

William j. Lee and Mrs, Lee
returned to Key West Tuesday
evening following a three weeks
vacation to Niagara Falls, N. Y,
where they visited with Mr..
Lees mother.
On the return trip the Lees
stopped at the New York Worlds
Fair and at Point Pleasant, N. j.,
where they called on L. P. Art
man, publisher of the Ocean
County Leader and The Key
West Citizen. They also stop
ped in Washington, d. c. and at
tended one session of the special
Congress.
Mr.. Lee is Key West manager
of the Miami Daily News Blu
reau.
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
ADVERTISING PLAN
RECEIVES SUPPORT
of COUNTY BOARD
TO CONTRIBUTE $1,000 TO
kHELP FINANCE BOOKLET,
MARK BYRON. III. APPEARS
AT MEETING

An appropriation of $1,000 was
made by the board of county
commissioners last night for Sc
curing booklet on Key West to
be gotten out under the direction
of j. w. Johns and is to consist
of 100000 copies to be furnished
IN lots of $4,000, beginning De-
cember l and continuing through
March / and $4,000 to be deliver
ed on the first day of each month.
b.. l.. Grooms and a committee
from the Chamber of Commerce,
consisting of F. j. Dion and Mel
vim Russell, were at the meeting
in the interest of the booklet and
Mr.. Johns was introduced by MIR.
Grooms. He Immediately went
into an explanation of his ideas
and displayed an outlay of the
proposed booklet, which will be
Of approximately 20 pages, with
maps of the city and the highway
and interesting reading matter
with profuse illustrations.
Mr.. Johns explained that he in
tended to go to Havana and dis
cuss the matter with officials and
business men of that city and in
the event he was unable to secure
the necessary funds, he would SO
report to the Chamber of Com
merce and the county commits
Sioners. The appropriation of ST.
600 was then ordered to be- paid,
$3.50 on the first of each month
beginning with December and
ending with the payment of $3.50
on the first of March, the pay
ments of each amount to be made
upon delivery of $4,000 of the
booklets.
Following the action of the
commissioners, Mark Byron, Of
the Mark Byron, Inc, advertising
agency, addressed the board on
the question9o advertising by bill
boards placed at attractive points
along the highway and other
roads leading to Miami, all of
which are veins of traffic to Key
West.
MIR. Byron continued in a very
interesting manner going into the
details of his advertising plans,
giving prices on the boards per
month and citing the amounts
which had been appropriated by
different cities in this country,
the Bahamas and the island of
Bermuda, and kept the board and
others interested from start to
the completion of his talk, but did
not ask for any appropriation by
the board.
The Key West citizen. [volume] (Key West, Fla.) 1879-current, 1939-10-05
The Keys---Florida's Gold Coast
BY MARIE cAppIcK

equal to some and better than
many products now on the mar
ket.
Small incomes might be made
by collecting sea shells, sea fans
and other marine curios. The
shells might be placed in contain
ers of native woods, and sold to
museums and winter visitors.
They would make ditinctive and
valuable souvenirs. Wild flowers
mounted would be acceptable to
students of botany and others in
terested in the study. Cigars in
native wood containers instead of
the Cuban cedar boxes, would
add to their selling value and
prove trade novelty. Sponge
caps found on the beaches are
useful as flower holders and are
now bringing fancy prices in
New York where they are ship
ped from California. If pecan
pralines helped to make New Or
leans famous what is there to pre-
vent Key coconut cakes sold in
Icoconut fibre baskets from max
ing the Keys famous?
Bee culture on the Keys would
help solve the family sugar prob
lem. Bees cost nothing over their
original purchase price, which l
have been told, is about $3.50 per
10000. Wild flowers provide
their sustenance, and honey at its
lowest figure brings a dollar
gallon. Bee culturists state that
one hive robbing gives. conser-
vatively, IS gallons of honey, to
say nothing of the wax which is
also commercially valuable.
Grapes grow well and plenti-
fully on the Keys. An oversup-
Continued on Page Four)