davidaulloa/AmericanStories huggingface dataset:
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
Income Ratio Of Payments
Vary According to Buyer
Snt I6a0eV
80 o GA. 80 An.

of the cases the valuation Of the
new home amounted to less than
three times the buyers income.
INCOME DETERMINING
FACTOR
The higher the income of a
family, the more expensive home
the family buys, according to
FILA figures. Almost two-thirds,
63.5 per cent, of the new home
buyers with an income of less
than $1,000 purchased homes
valued below $4,000. Over three
fourths of those earning $1,000
to $1.499 bought homes valued
under $4,000.
= !, Thu median 1910 new home
buyer earned $2.381. For the
bracket embracing this income
63.1 per cent of the buyers pur-
chased homes valued between
$4,000 and $4,000.
AS the family income increases
the monthly payment to mort
gage and interest also increases
Well over half of the new home
buyers earning $1,000 to 81, 400
pay from SIS to $50. For the
income bracket encompassing
the typical income of 1881,
one third of the borrowers pay
SIS to $50 toward interest and
principal.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
Lighter Weight Fixtures
Spur determination

Because of less weight and
greater maneuverability up stair
ways and through narrow doors.
formed metal fixtures are inter-
esting many home owners who
want modern fixtures but hest
tate in carrying out their plans,
fearful of the difficulties of In
Sailing heavier fixtures. This Is
especially true where older
homes are being modernized.
Noteworthy among the formed
metal fixtures now available Is
one bathtub model which fea-
lures lower sides-easier for
children, older folk, and invalids
to step into and out of. This tub
can be secured with q wide seat
on the outer rim.
Formed metal fixtures, like
other types, may be installed In
homes undergoing moderniza-
ton with the financing arranged
under the FILA Modernization
Credit Plan. Funds for the work
are obtained from qualified lend
ing institutions.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08

Private-home construction un-
der the program Of The Federal
Housing Administration. r.
spending 70 defense needs, will
approximate 100. 900 units IN the
first half of 1871, . gain Of -
per cent over last year. Admin
istrator Abner H. ferguson has
announced.
Up through June II about
%, 900 homes had been started
under FILA inspection. and con-
struction in the ensuing two
weeks will bring the total close
to the 100, 900 mark. During the
first six months Of 1910, "a, $50
homes were started under FILA
inspection, while in the first
half Of 1899 the comparable
total was %, 500.
10 PCT. IN DEFENSE AREAS
Ferguson estimated that 70
per cent of the homes now being
built under the FILA program
are located in defense areas
specifically designated by the
President rs having present OF
impending acute housing short.
ages. A substantial proportion
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
FILA Valuations
Aid Purchaser

The valuations assigned to
properties by the Federal Hous-
ing Administration tend to re-
strain sellers from asking prices
too high or above the level at
which the home buyer may OBJ
tain the maximum financing
terms under the FILA, as well as
to prevent undue or temporary
fluctuations in real estate values,
it was said recently by FILA Of
ficials.
The FILA undertakes q COM
prehensive review of each mort
gage transaction to assure its
soundness and attempts to place
a fair valuation upon the proper
ty.
AS an additional safeguard, the
FILA operates to prevent buyers
from purchasing homes beyond
their means on the theory that
the average American family
should not pay much more than
one-fifth of its income for shell
ter.
These factors illustrate the
FHA's concern for the welfare
of families assuming indebted
ness for the purchase of homes.
The FILA, afficials of the agency
asserted, is the only Nationwide
organization able to protect and
advise families investing in
homes.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
Home Building
Most Adlive
Since 1923
Privote Concerns
Supply Bulk
OF Dsmonds

Home construction is pro-
crossing at q rate exceeding any
year since 1923 in order that
the thousands of workers who
are moving from their home
cities and towns to areas where
employment in defense indus
tries calls them will have shell
ter adequate to their needs. Fed
eral Housing Administrator Abb
ner H. Ferguson recently de-
clared,
Insofar as possible the Gov
eminent is looking to the priv
ate builders of America to supply
the great bulk of the new houses
needed in the present emer-
gency," Ferguson declared.
There is ample evidence indicat-
ing that building financed with
private capital Is providing
these houses.
Parallels Employment Rise
when the defense program
was initiated the stimulus to en-
ployment in expanding industry
was quickly reflected in new
h me construction. Between
July !, 1910. and May 81, 1941,
construction of more than 170.-
900 new homes was started un-
der the FILA program. Most Of
these are small homes in areas
where industrial expansion is
now under way"
Trend Continuation Seen
There is every indication that
this upward trend will continue
with home financing on a safer
and sounder basis than ever be-
fore, Ferguson continued. Fair
er terms to the individual re-
fleet better security of invest
ment to the holder of the mort
gage as well as wider and
more ready market to the
, builder.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
Architectural Copying
NOT ALWAYS SATISFYING

Slavish copying OF traditional
architectural compositions and
details and conscious effort to
make them fit new living and
economic conditions bring nei-
Their satisfaction nor progress, 1t
is pointed out by FILA officials.
The logical answer to an en-
during type of architective ap-
pears to be found in continued
development of generally accept
ed forms. 1t is an evolutionary
process which does not discard
the good of the past but adds
new vitality by meeting modern
needs.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
5ingIe-FaIllily
Units Lead
Demand
Monopolixs New
Building Work
Records Show

Strong preference of Ameri-
cans for single-family houses Is
indicated by the fact 90 out Of
every hundred new houses &C.
cepted for mortgage insurance
last year were for single family
occupancy. Federal Housing Ad-
ministrator Abner H. Ferguson
announced today.
From the beginning of the
FILA program the great bulk Of
new houses accepted for mort,
gage insurance has been for
single families" Ferguson said.
But the ratios of two-to four
family houses have declined
steadily until the proportion Of
single-family houses is now over
whelming."
PROGRESSIVE GAIN
In 1895 the ratio of single
family houses was 9S.4 per cent
of all houses securing FILA new
home mortgages, Ferguson point
ed out. The ratio was 95.7 per
cent in 1887, 97.6 per cent In
1898, 98.5 per cent in 1899, and
900 per cent in 1910. Within the
same period the ratio of two
family houses declined from 81
to OF per cent. three-family
houses from o. to OIL per cent,
four family houses from 10 to
or per cent.
This steady increase in the
proportion of single-family
houses, Ferguson said. has been
accompanied by an equally
steady decline in the average
valuation Of new homes financed
under the FILA program, bring
ing them within financial reach
of a constantly increasing run
Der of families. The average val
uation of new single-family
houses accepted for mortgage in
surance under Title II declined
from $6,336 in 1896 to 81, 100 tn
1910.
SEPARATE HOUSE SOUGHT
Apparently the average
American family demands . sep
arate house all to itself when
such q house is within reach ol
its pocketbook." Ferguson said.
This apparently irrepressible
desire of the average American
family to have . home Of its OWE
separated from its neighbour
should be kept in mind by those
planning new housing develop.
ments.
"FHA underwriters will con
tinue to give confederation 4
plans for two to four-1amily
houses where they sapDAfsntl,
are the best solution to the locol
housing problem. But they vii
also give full weight 70 the pres
ent strong trend preference O
American families for single
family homes"
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08

What proportion OF income
should be spent in monthly mort
gage payments on a home?
In planning the purchase of q
new home this is the first ques-
ton to be decided, since on this
decision rests to a large extent
the type and size of the home to
be bought.
The Federal Housing Admin
istration, whose underwriting
procedures are regarded as
among the. soundest ever devised
declares that no definite zone
limits can be prescribed within
which the ratio Of total monthly
payment to income must fall.
Since the most favorable ratio
in one case may be substantially
different from the most favor
able ratio in another case, it is
held impossible to ascertain
mechanically the ratio Of total
monthly payment to income.
ALL EXPENSE CONSIDERED
Where too much of the month
ly income is absorbed by mort
gage payments, it is frequently
found that too little is left for
other living expenses. In deter
mining the proper ratio, consid-
Grafton should be given to other
obligations, the number of chill
dren or dependents. the borrow
er's scale of living, the cost Of
home maintenance, and pay
ments required by other obliga-
tons.
Last years FILA figures throw
considerable light on the Ques-
ton of how much of the income
should be spent on mortgage
payments. Three out Of every
four new home buyers in 194C
applied less than Is per cent Of
their income to mortgage pay.
ments. In 1896 only 54.4 per cent
of the buyers paid this small q
proportion of their income.
FILA figures indicate that the
proportion of income devoted tc
mortgage payments declines n
income rises. New-home buyers
earning less than $500 pay
more than Is per cent of their
income for mortgage amortiza.
ton, whereas persons earning
over 5000 pay less than 10 pei
cent.
OF the new homes securing
mortgages insured by the FILA ir
1910, 40.4 per cent were valued
at less than twice the borrower,
annual income. In GA per CEN
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08
Small Home Design
Is Major Concern

One of the major concerns OF
the Federal Housing Administra-
ton has been the Improvement OF
Emall-house design.
One means of accomplishing
this objective has been through
studies of FHA's architectural
experts of new building methods
and new construction materials.
In addition, the FILA has aided
In the betterment of small-home
design by consulting with the
groups chiefly interested in
small-home building, such as
lending institutions, contractors,
builders, and real estate opera
tors, on the proper methods OF
correcting and combating HARM
full influences.
The FHA's insistence on sound
design of small homes is a result
Of its desire to preclude deter
ioration and neighborhood
blight.
fRN vuyi.- C-...sz-
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08

Exclusive (R Wire Service
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08

The development of definite
physical standards and require
ments by the Federal Housing
Administration for the proper
ties securing insured mortgages
not only has served the interest
of the home buyer and Of the
FILA but has also been . practi-
cal method of improving housing
standards, according to q recent
statement by Administrator Alb
ner H. Ferguson.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08

A small house containing
three bedrooms and q sleeping
porch, which il valued with lot
1t only $4,000, in rare, but
when il also has an exterior ~
attractive a. this Florida
home il il likely to create con-
siderable interest. The living
room and dining room are com.
bined, thus increasing the ap-
parent spaciousness Of both.
A simple hallway gives access
to all bedrooms and the bath.
This property was financed
with q mortgage Of $2,700 in
sured by the Federal Housing
Administration. Monthly
payments to repay . 25-year n
hazard insurance. The cost Of
requires q basement and more
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-08

Over 5000 lending institutions
of all types have participated In
the Federal Housing Administra-
ton financing program and have
invested in the six-year period,
1035-194O, close to $4,000, 0OO,-
600 in insured mortgages.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-06-25
cory DEADLlNE: 1880 A. u.
DAY OF ISSUE
RULES

All want "a complaints ana requests
for cancellations. corrections or adjust
ments must DO made 10 the classified
dept before 10 Q. m. on day Of Issue.
This newspaper reserves the right 70
classify, revise or reject any want ID
and b not responsible for errors after
the first incorrect insertion OF any -.
vertisement-
The Daily Monitor shan not b re
sponsible for errors except TO cancel the
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-06-25

CLASSIFIED INDEX
A-ANNOUNCEMENTs
AL Death eooetcou
Al CARDS Of Thanks
A. II MemoetaD
a. Personals
An L0st and eoeno
IA Special Noises
Al Funeral 0lrectorA
B-EMPLOYMENT
81 help Wantsa-yemR
By help Wanted-Male
6-S Help Wanteo-Male ano Hemalo
0-l Situations Want0d-romalO
6-S Situations Wanted -0a1e
CONSTRUCTION
ca Correspondence COanss0o
ca Local unstrvcttoo ClnDoo
ca Music. Oanctno. 0eo0at1D
c. Trade Schools
CO Wanted lnstr0ctloo
CO Flying lnstrvetSoo
D--ROOMS AND BOARD
Ol Ros,m. with Doafo
O-2 Rooms. without 0oaro
On Rooms. for Housekeeptn0
d. Wanted Room ana Board
E-REAL ESTATE FOR RENT
Ell Apartment ano fists
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-06-25
Daily Monitor Classified Ads:

charge for such postioa q IN sdvsstiss-
nent - may hsve been rendsred value.
lesA When moro than ono iosertauo q
IN advertisement . ordered nos'es u
errors must b given In time soe eorree-
tion before the second edition
N0Te-Classafleo a0vsstisino seho1.
ule Tor Thursdays Daily 0o0lto1 wtu
also run IN The South 0scomo NeWe. |
the same day. without extrs charge.
However. copy must b plsesd ~ 3
.. "A. Wednesday.
The Daily Alaska empire., 1941-09-13
CHRISTIAN SCIENCE
 LESSON SERMON FOR
 SERVICES ON SUNDAY

At the Church of Christ, Scien- tist, on Sunday the subject k Substance
 The following excerpts from the Lesson Sermon are taken from the Bible: l lead in the way of righte- ousness, in the midst of the paths of judgment.
 That I may cause those that love me to interit substance, (Pro- verbs)
 From Science and Health with Key to the Scriptures, by M ary Baker Eddy: Substance is that which is eternal and incapable of discord and decay. Truth, Life, and Love are substance, as the Scrip lures use this word in Hebrews: The substance of things hoped for, the evidence of things not seen. . Spirit, the synonym of Mind, Soul, or God, is the only real substance. The spiritual universe, including in dividual man, $ a compound idea, refleeting the divine substance of Spirit. Page f68)
The Daily Alaska empire., 1941-09-13
RESURRECTION LUTHERAN
 CHURCH

REV. JOHN L. CAUBLE, Pastor Tn the heart of the city for the
 hearts of the city,
 Main and Third Sts.
 Ernest Ehler-Director of music Katherine Torkelsen- organist. 9:45 am.-Sunday Schcot
 HOO am-Morning Worship, Li- turgy and Sermon. Holy Gospel for the Fourteenth Sunday after Trinity, Luke 17:11-19. Sermon sub- ject, The Leprosy of Sin"
 Vocal solo, T Lay My Sins on Jesus Ehler (to be sung by com posep.
 6:30 p.m-Luther League.
 Thursday 7:80 p.m-Choir re- hearsal.
 A brief meeting of the congrega- tion will te held immediately aftez the morning service.
 To the visitor and stranger in cur city we extend a cordial invi- tation to worship at this service.
The Daily Alaska empire., 1941-09-13
CHILK00T BARRACKS
 STAFF L5 INVITED 10 MILITARY BALL HERE
Rofarians Sponsor Dance for All Service Men
 Wednesday

All service men and their ladies are being invited to attend the military ball sponsored by the Jun eau Rotary club at the Baranof Hotel Wednesday night, it was an nounced today by Joe Flakne, chair man of the dance committee.
 Flakne showed copy of a tele- gram sent late yesterday to Lieu tenant Colonel Bert s. Wampler, commander at Chilkoot Barracks, inviting all officers, men and their ladies now stationed at the Haines camp to come to Juneau for the ball.
 The ball will be a special feature fer the entertainment of members of the Juneau unit of Nationa Guards, who will be here preparing fer their departure for Chilkoot Barracks and Fort Richardson.
 The management of the Baranof Hotel is donating the use of th4 Gc,d Room for the ball. Flakne declared.
The Daily Alaska empire., 1941-09-13
M. S. NorihIand Brings "A from SeaitIe, Sitka
Vessel in Port All Day Picks Up Passengers
 Here for South


 Bringing "A passengers to Juneau, the motorship Northland of the Northland Transportation Company arrived from Seattle, via Sitka, at 8 o'clock this morning and was posted to sail for the south at 4:30 o'clock this afternoon.
 Disembarking here were Mrs. H. B. Allaback, Mrs. R. Marshall, Max inc Marshall, MT. and Mrs. James J. Connors. Jr., Mrs. P. J. Sternig, Mrs. J. Samson, Mrs. s. Basco, Mace Me- Kay, Ray Esmino, H. O. Jackson, F. Doucette, Ray Cavanaugh, Mildred Marshall, Beatrice Edenso, Patricia Corners. Vivian Powers, Mrs R. M Stoft, Mrs. A. Hope, MT. and Mrs. Charles Graham, Joe Ackley, John Pozr and A. H. Hibbler.
 Planning to sail on the vessel are the following from Juneau:
 LeRoy Vestal. s. J. Stallins, M D. Williams, D. A. Walker, Art Strick- land, Dan Johnson, F. O. Dinkins, Art Peterson, and Al Powers. all for Seattle; G. A. Davis, Petersburg, and H T Trywhitt and II. Thur mond, Ketchikan.
The Daily Alaska empire., 1941-09-13
MARINE NEWS
STEAMER MOVEMENTS
NORTHBOUND

Yukon scheduled to arrive . at o'clock this evening. . North Sea due Tuesday. SCHEDULED SAILINGS . Alaska scheduled to sail from . Seattle today. . Columbia scheduled to sail . from Seattle today. .. Denali scheduled to sail from . Seattle at g am, September 16. . Tongass scheduled to sail from . Seattle September 16. . Tyee scheduled to sail from . Seattle September Is. . North Coast scheduled to . sail from Seattle September . 19 at 10 am. . SOUTHBOUND SAILINGS ( . Northland in port and sched- C Q uled to sail south at 4:30 C . o'clock this afternoon. . Aleutian scheduled Southbound . Sunday noon. c Princess Louise scheduled c 3 southbound early Monday . . morning, perhaps 8 or 9 O. g clock 9 Mount Mckinley scheduled c Q southbound Thursday. . LOCAL SAILINGS . Estebeth scheduled to sail . . every Wednesoey at 6 pm. c . for Sitka and wayports. e Dart leaves every Wednesday . g at l pm. for Petersburg, Port . . Alexander. Rake and way . ports.
The Daily Alaska empire., 1941-09-13
CATHOLIC CHURCH Church of the Nativity of the Blessed V. M. Juneau

Fifth and Gold Streets Rev. VIM. G. LeVASSEUR, S.J.
 Pastor Fifteenth Sunday after Pentecost Feast of the Exaltation of the Holy Cross.
 500 am.-Holy Mass. 800 am.-Holy Mass and In- struction.
 1O:OO am.-Sunday School. 10:30 a.m.-High Mass and Ser mon.
 7:30 p.m.-Rosary and Generic tion of the Most Blessed Sacra- ment.
 7:30 a.m.-Holy Mass daily in church.
 Days of Special Devotion Monday, Sept 15-Feast of the Seven Dolors of the Blessed Virgin Mary.
 Wednesday, Friday and Saturday Sept. r, 19 and 20)-Ember Days, are days of fast and abstinence.
The Daily Alaska empire., 1941-09-13
METROPOLITAN METHODIST
 CHURCH

REV w. H. MATTHEWS, Pastor
 Fourth and Seward Streets
 10:00 a.m-Church School Mrs. E. M. Sprague, supt. in charge.
 HOO am. = Morning worship. Topic. The. Caste of Character" 800 pm. Evening worship Topic, The Power of the Master" |" A cordial invitation is extended to all to come and worship.
The Daily Alaska empire., 1941-09-13
Norib Sea Is
 Juneau Bound

SEATTLE. Sept. 13. Steamer North Sea sailed for Southeast AL aska ports at , o'clock Friday af- ternoon. The following are passen- gers booked for Juneau:
 MT. and Mrs. R. E. Robertson Miss Carol Robertson, MT. and Mrs F. J. Franzen, Mrs. Art McKinnon and son.
 MT. and Mrs. Bob Henning and son, MT. and Mrs. Victor Johnson and son, Mrs. Rose McMullin and daughter, Miss Thelma Broderson w. H. Smith, Ozzie Soder, Ere Titus.
The Daily Alaska empire., 1941-09-13
MEMORIAL PRESBYTERIAN CHURCH

Corner West 9th and E Sts.
 Manse, TAO s St. WALTER A. SOBOLEFF, Minister The Lord, my God, will enlight- en my darkness"
 Church services:
 10:00 am. - Sunday Chur c h School, in charge of Mrs. Jennie Hoist.
 HOO am.-Divine Worship. 7:30 pm.-Divine Worship. Every Tuesday, 10:30 pm. "A Quarter Hour of Meditation" over KINY.
The Daily Alaska empire., 1941-09-13
TIDES

(Sun time, September IA
 Low tide-O:34 am, 3.3 feet. High tide-6:55 am, 11.2 feet. Low tide-12:42 pm, 6.6 feet. High tide-6:43 pm, 12.8 feet.
 MONDAY, SEPTEMBER IS
 Low tide-l:49 am, 34 feet. High tide-8::22 am. 11.3 feet. Low tide-2:09 pm, 6.6 feet. High tide-8:04 pm, 12.8 feet.
The Daily Alaska empire., 1941-09-13
El3A hA Ghurth dutot,,ce ceu,euts EGgI

ill church building. This room is open Wednesday afternoons from 2;30 to 4 o'clock and after the Wednesday evening meeting.
 The public is cordially invited to attend these services and visit the reading room.
The Daily Alaska empire., 1941-09-13
THE SALVATION ARMY Willoughby Ave.

Sunday:
 ADJT. AND MRS. s. JACKSON
 (Officers in charge)
 2.30 p.m.-Praise Meeting.
 500 p.m.-Sunday School.
 7:30 pm.-H. B. Schlegel of Doug las will conduct this service. There will be special musical numbers and an illustrated sermon.
 Tuesday, TOO pm-Boy Scouts under leadership of Donald Vertin. League; TOO p.m.-Guard ParaGe under leadership ol Mrs. R. B. Wednesday, 1:30 pm. = Home Lesher.
 Friday, 500 pm.-Young Peo- ole's Meeting; 7:3O Holiness Meeting. The message of the Salvation Army, Jesus Christ is able to save rom the power of sin, the mastery of appetite ard the fear of death.
The Daily Alaska empire., 1941-09-13

Notices for this church column must be received by The Empire not later than 10 o'clock Saturday morning to guarantee change of sermon topics. etc.
The Daily Alaska empire., 1941-09-13
Douglas Church
 Services

Notices for this church column must be received by The Empire net later than 10 o'clock Saturday morning to guarantee change Of sermon topics, etc. ST. LUKE'S EPISCOPAL CHURCH No service tomorrow. DOUGLAS CATHOLIC CHURCH 8::30 a.m.-Holy Mass.
 12:30 a.m.-Su Sunday School
 ALASKA EVANGELIZATION
 SOCIETY
 Native Gospel Services)
 GEORGE II. LOVELESS
 Missionary-in-Charge 10:30 am.-Sunday School. 7.30 pm-Evening Service. Sub- ject, Personal Need of the Fullness Of the Spirit" wednesday. 7:30 p.m.-Prayei meeting.
 All are welcome at these services ill the Mission Building.
 STEP to Health with Better Feet. Phone 648. Chiropodist pr. Stoves adv.