davidaulloa/AmericanStories huggingface dataset:
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23
Announce Lower Rate on Insured Loans
for RemodeIing MuIti-FamiIy Units

square foot Of industrial produc-
tive space there must be several
times that area Of housing to &C.
commodate workers.
Great strides have already
been made in providing housing
for defense workers." Mr.. Fer
guson said. Construction has
been started on 245,l17 new
homes financed under the FILA
plan since July /. 1910. Over
IS per cent Of these homes are
in areas affected by defense act,
ivities.
I'm addition to this. repair and
remodeling Of old homes and
conversion Of large ones into
apartment units can provide tens
of thousands of well-located and
economical housing accommoda-
tons for defense workers.
This program Of converting
existing old houses into apart
ments," he said, Twill make =
valuable the most housing for the
least money and will provide
housing through the use Of pri-
vate capital, thus doing away
with the need for much direct
expenditure of Government
funds for new housing.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23
Sound Loan Practise
Aids Nations Finance

In standardixing the best prac-
tices Of traditional lending pro-
cedure the FILA has effected .
Nationwide uniformity Of in
terest rates, mortgage terms, and
methods Of repayment. This
Standardization by the FILA has
been placed on such q level rs
to assure security to mortgage
investments and develop q more
stable real estate investment.
AS a direct result of the FHA's
program, officials of the FILA
say, emphasis Is now given to
factors and relationships which
were frequently neglected and
often ignored in the past.
Emphasis is now placed on
risk instead of value. The test
which has been used by the FILA.
and which has proven 30 sue
cessful In the past seven years,
Is the probability of the loan
being repaid. rather than q con-
sideration of what can be sal
vaged out of the physical securi-
ty in case there Is q default.
The new devices for deter
mining the degree of risk involv-
ed In any particular mortgage
loan and for bringing about con-
sistency in decisions which have
come into use as q result of the
FHA's program will be Of great
significance In the coming peri
DDS Of national strain.
Another contribution of the
Federal Housing Administration
to the future stability of the Ma.
tons financial structure is that
the FILA has not only Away.
accepted but also always mea.
sured the probability of future
price and value fluctuationus.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23

Slated wood shutters Ranking the
windows. The walls and trim are
an of. white in color-just . step
away from conventional white.
which is so much used. With fire.
resistant asphalt shingles on the
roof, it is recommended that the
sidewalks be covered with asbes-
os-cement siding. which Is also
fire resistant. Both these long
lived materials will help protect
the house against outside fire
such as air-borne sparks and ny.
ing brands. Further advantage u
that they need no periodic re-
painting to keep them freshly col.
orful.
The house was designed by RAM
dolph Evans. the noted architect,
for the Monthly Small House
Club. l40 Nassau Street, New
York City. Containing 1850 cubic
feet, il can be built in most parts
of the country for about 5000.
exclusive Of land.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23

THIS house turns its face to the
L sun. Few small houses can
boast the rich food Of light which
fills its rooms through its many
windows and its panels Of glass
blocks.
Its living-room for instance
boasts three exposures while its
kitchen contains a luxuriously
lighted breakfast alcove-by a
window overlooking the garden
and by a panel of insulux glass
blocks in the wall adjoining the
entry porch. This assures privacy
from the gaze of those entering
the house.
Despite its broken plan, the
house is remarkably compact with
stairs and closets well grouped
and easily accessible. This makes
for economical construction and
spares precious dollars for the
purchase of extra equipment and
larger rooms.
The exterior Of the house is
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23

To stimulate provision of de-
tense housing, the Federal Hous-
ing Administration has announc-
ed q reduction in the maximum
financing charge on loans it in
sures above $4,000 for the re-
modelling of homes to be design
ed for more than one family.
Effective September Is, the
charge by lending institutions
on loans Of this type may not ex-
coed 81 discount annually, as
compared with the present rate
Of IS discount.
The reduction, designed to
stimulate conversion of older
dwellings into multiple-fam
units as q means of providing
defense housing, was announced
by Administrator Abner H. Fer
guson in q nationwide radio ad-
dress.
"While the FILA is institutine
this change" the Administrator
said, lit is the financial institu-
ton which makes the contribu-
ton to the defense program. BY
supplying these funds at q lower
financing cost, banks, savings
and loan associations, finance
companies, and other lending or
CARNATIONS are rendering q SUBJ
stantial service to the cause OF
providing much needed defense
housing.
RESTRICTIONS POSSIBLE
I'm the months to come" Mr.
Ferguson pointed out, 1.-The scar.
city of essential materials will
become more and more appar-
ent. Thus, 1t is entirely possible
that some types of home
improvements will be subject
to restrictions. But it would
seem now that remodeling and
repair jobs which contribute ia
defense will be given every con.
sideration by those who have the
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23
Claims Paid
On Tile |
Remain Low
Only l.63 Per Gent
Losses Reported
by FILA Administroto'

The essent III soundness of un-
secured small loans for repair
of homes and other properties
insureud under Title of the Ma
tiona. Housing Act. is indicated
by the fact that CLAIMS paid less
recoveries or $1,370.375,879 Of
these loans have amounted to
only 163 per cent, Federal
Housing Administrator Abner H.
Ferguson has announced.
This sum was advanced by pri-
vate lending institutions insured
against loss by the FILA for re-
pairs, additions, alterations,
and other Improvements to g.
303,191 properties located in
practically every county of the
United States in the period from
August 1884 through June 1941.
FIRST PHASE OPERATIONS
In the first major phase of
Title lending from August 1884
through April 1887. such items
as refrigerators and washing ma
chimes were eligible. AS for
June 80, 1941, with few notes
still outstanding, the ratio of
claims paid less recoveries was
.O3 per cent. This should be
fairly close to the final figure
on the irsi phase.
When Title ! lending was re-
sumed to in February 1898, it
was limited to property improve
ments. Machinery and equip
ment are ineligible unless they
become part of the real prop
erty when installed. The effect
Of this change is reflected in the
current ratio of claims paid, less
recoveries on all Title / loans re-
ported for insurance which was
1853 percent on June 80, 1910,
and rema;neu at that figure as
of June 80, 1941.
MANY NOTES RESTORED
Claims totaling $34,393,26 on
1882 defauited notes, or Isl
per cert of the total amount, had
been paid to the insured institu-
tons by the FILA as of June 30,
1941. Many Of these notes were
restored to a current basis by
the borrowers. These payments,
plus other cash collections and
credits from the United States
Treasury for sale of recovered
equipment have totaled $12 ,063,-
200. leaving net claims paid, less
recoveries. Of $22,330,067, or
1888 per cent of the gross amount
Of loans reported for insurance
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23

job of administering the use of
materials.
I'm order to make these loans
attractive and to further this
means of providing defense
housing, the FILA Is reducing
the cost of these loans to the bor-
rover. Already, Congress has
increased the amount Of loan
which may be obtained for such
work to $1,000 and has extend
ed the payment time to rs high
as five years. Monthly pay
ments and other features facili-
tate financing and help liquidate
the indebtedness.
NEED Is. PLAIN
1.-THE need for additional hous-
ing in defense areas is plain. A
practical type of financing Is
available to do the job. Proper
ty owners, / have no doubt, will
accept this responsibility and
this opportunity to remodel and
repair for defense. BY doing 20,
they will help their country and
at the same time will transform
non-producing investments into
valuable assets"
Mr.. Ferguson stated that al
though expanded industrial pro-
duction is the first requisite for
national defense, industrial pro-
duction In turn depends upon
adequate housing for workers
engaged In that production.
Vital defense work must be
done far behind the lines Of
tanks, destroyers, and bombers,
and even behind the factories
and the workshops" Mr.. rergu-
son said.
"Old houses seemingly far re-
moved from the smoking CHM
neys and turning wheels must be
utilized a. m essential part Of
our program for creating m un-
matchable arsenal. For every
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23
Proper Plonniis 2
Will Protect Inv :

Consider Fews fumdemensolo ~
to Sefssuesd Against vslus opop

Intelligent planning Of low
cost homes for defense workers
is of paramount importance to
the safety of the investments,
officials of the Federal Housing
Administration say.
Small low-cost homes being
constructed in defense areas un-
der the FILA plan must be of
sound design. they say, for on
this feature to a large extent
rests the marketability of the
property.
Four fundamentals should be
kept in mind when designing
these homes:
I. The home should be simple
In design.
2. II should be dignified In
character.
8. 1t must contain no false ele-
ments.
I. The design must allow eco
nomical construction.
There is no place in the de-
sign of these homes for unneces-
sary frills. according to FLA
recommendations. No unneces-
sary corners should be tolerated
and halls should be kept to Z
minimum to prevent needless
waste Of floor area. Wherever
possible, plumbing should be
concentrated, such as placing
the kitchen next to the bath
room, to effect savings in cosl
of labor and materials.
Builders Of homes in defensl
areas are urged to place EN-
phasis on elements which grow
in value and which increase thu
stability Of the investment rather
than those which tend to deter
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23

BY incorporating the best
practices Of good lending pro-
cedure with its now proven
methods of mortgage risk-rating.
the Federal Housing Administra-
ton has contributed materially
to the current strong position Of
the Nations financial structure.
FILA officials say.
The FHA's efforts to create
and maintain q stable mortgage
market will prove of great i'm
portance during the coming
years.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23
FILA Does Not Lend

Federal Housing Administra-
ton insured loans are not Gov
eminent loans. These loans are
made by private lending institu-
tons such as banks, savings and
loan associations, insurance COM
panies, and other qualified lend
ing institutions.
The daily monitor. (Mount Clemens, Mich.) 1940-1942, 1941-09-23

made attractive and interesting
by its three separate roofs. These
give II individuality and color.
and help blend the house into the
green of the foliage and the blue
Of the sky behind il.
Each Of these roofs is covered
with fire-resistant asphalt shing-
les in q dusty green to match the
Kodiak mirror., 1941-11-08

84 from heart trouble. Born ii Louisville, his life was rehectet in the tenet "behind every argu ment is someone's ignorance. ! His appointment to the Suprem' Court by President Wilson tool five months for the Senate t confirm. He served for 23 year, in the Supreme Court.
Kodiak mirror., 1941-11-08
Minor Accidents
 Claim Two Victims

George Olsen, soldier, was fou- nd in an injured condition near Kraft's store by a taxi driver Sunday night. It was believed he was victim of a hit-and-run driver. He was taken to the Gri- fin Memorial hospital, but exam ina ion showed no serious injur- ies, and he was removed to the base, No supporting evidence could be found for the hit-and- run theory, however.
 Also over the weekend an un- identified sailor made an attempt to jump aboard a moving auto mobile and slipped and fell be- heath tine car: The wheels ran over his legs, but the injuries were minor. He was taken to the base for treatment.
Kodiak mirror., 1941-11-08

Wash, ,ugton, D. C.-Press As sociation Photo-Louis Dembitz Brandeis, retired Supreme Court Justice, who was celebrated for his liberal views, died at his home, here, Sunday night, at the age of
Kodiak mirror., 1941-11-08

R. c. Rosler is now employed at he Island Transfer Go.
Kodiak mirror., 1941-11-08

St. Paul. nnThe Duke and Duchess of Windsor enroute to the Dukes Canadian ranch stopped for brief visit here They shown with Major General Eard Walsh center who hand for their reception Gen Walsh Adutant Gen era the Minnesota National Guard and Commander of the 3h Division U. s. Army.
Kodiak mirror., 1941-11-08
Division, U. s. Army

Mounts rE largest canvas spead prep W ranr 90 dan. vii A o
 & CrcuS
The Waterbury Democrat., 1941-01-25
BOSTON PREPARES
 FOR FLOWER SHOW

Larger and more dramatic than ger before, the 10th annual New England Spring Flower Show of the Massachusetts Horticultural So- ciety will be held March 17-22, Monday through Saturday, inclu- sive.
 Mechanics Building in Boston will be the site of this colorful prevue of Spring, the dusty acres of its sev- eral halls to be magically trans formed into some 173 lovely gar- dens.
 There will be no Sunday display this year. The doors will be opened at 100 p. m. on Monday and will be closed at 10:00 D. m. on Satur- day.
 Arno H. Nehrling, manager of the show, has been busy with his staff of experts for nearly a year now preparing for the show. Activity is reaching fever heat as on the one hand architects are busy with car- penterS and masonS building the backgrounds of the gardens while on the other, in hundred green houses, millions of bulbs, plants, shrubs and trees are being carefully coaxed into condition to flower on March IT, when the show opens.
 Right now attention is chiefly bentered on the mammoth Austra- Han feature display which, com- plete with waterfalls and gorgeous golden trees, will fill the stage of Grand Hall. A glamorour rose garden, such planting as every amateur gardener has always dreamed of seeing, is also being readied.. And so are the other I'll displays planned.
 Chairman of the committee in charge for the society is Professor Ray M. Keon, director of the Wal tham Field Station. E. I. Harrington secretary of the society, is secretary. Other committee members include: Samuel J. Goddard, carnation spe- cialist of Birmingham; Dr. Elmer D. Merrill, director of the Arnold Arboretum and head of the De- nartment of Botany, Harvard Uni-
 xsity; Seth L. Kelsey, landscape srchitect and nurseryman of East boxford; Thomas Milne, gardener, Osterville, Cape Cod; and Arno H. Nehrling of Needham, exhibition manager.
The Waterbury Democrat., 1941-01-25
, STORIES
 IN STAMPS
Jopon's Bronze Buddhu
 Is Pictured on Stamp


 0NE of the most famous of Ja- V pans 1O6,518 Buddhist shrines is the colossal bronze Anita Bud- aha, at Daibutsu, pictured on the stamp above. This huge statue dates from the 18th century. Japan has no state religion, but Buddhism and Shintoism are the principal faiths. The teachings of Buddha were introduced into Ja- pan in 552, approximately 1000 years after the founder of the re- ligion, Gautama Buddha, attained enlightenment after six years contemplation.
 Buddhism is one of the great religions of the world today, num- bering 150,OO0,000 followers in Asia and 180,000 in North Amer ica. The founder was one of the first religious leaders to proclaim universal brotherhood.
 Gautama Buddha was the son of a king, lived in the sixth cen- tury B. C. He quit his palace at the age of 30, became a religious mendicant. Finding Brahmanism unsatisfactory, he sought peace in meditation, attained his goal, preached his doctrines throughout India. He died at the age of 30.
 Veneration of the relics of the Buddha and his statues and prayer form the principal forms of worship in this religion. One of the Buddha's teeth was so highly prized that war threatened over it's possession.
The Waterbury Democrat., 1941-01-25

see suppose I let you take me back-suppose you hired wo- man" She couldn't go on. Paul turned suddenly. His hands were strong on her shoulders. Listen to mel" he blurted. T don't care what anyone thinks. I know there's been nothing, noth- ing a detective on my heels could find out. What if I do love you? Of course I love you! Any fool might guess. But they couldn't point a finger couldn't muddy it up - because I've been careful, I never
 Martha gasped, in swift dismay, Oh, Paul. Don't! You mustn't"
 T know I mustn't, he cried savagely. His face was a pase blur above her and his hands on her shoulders were shaking with a powerful emotion that had at last become too strong for him.
 What do you think has been torturing me, giving me no rest? You're his! But love you. I can't help that. I can't help breathing, can I? It's like that. Beyond my control He was fighting to keep his voice down, but the words came jerkily, hoarsely.
 Martha's heart thudded with terror she had never experienced before. Something huge and ele- mental seemed to hay come into the car here in the darkness. Something that sat with them, and had them in its grip.
 T have no intention of doing anything about it, Martha" he was saying. Have I ever tried to make love to you? Have I ever expressed it - in words - in any way - before this? Bills my friend, he trusts me, and you - you're too fine AS long as you're happy with Bill, I'm content to remain out of the picture, Martha"
 He was sorry he had said this much. Realizing, Martha bowed her head, and looked carefully away, while he tried for composure.
 But I can't bear to see you overworked and miserable, taxed beyond your strength, when it's so
 unnecessary he cried. q tell you I will hire a woman to do that housework! You've got to come back to the office, where you belong. Yea can't go on killing yourself with floors and pots and three children,
 Stubbornly, Paul's hand shot out and cut the switch of. Martha, you must listen to me. For your own sake! If Bill realized what it means to walk in there, as I did, and see you pale and tired, circles under your eyes"
 I'll live. Start the car"
 Martha please" Almost he was begging, now. The imperious tone of command, the note uf overriding anger was gone. There was no more arrogance, just piteous plea.
 Martha, listen to me. You're not well. Since Bills been away, you haven't been yourself. This is no time to be taking on added responsibilities. Martha, outside of my own feelings if you weren't anything to me at all = I'd still say the works too rough for your
 Paul, if you don't take me back immediately" She was trem- bling.
 He uttered a worthless sound, and his foot found the starter. But something was wrong. For a mo- ment, as the car leaped forward, Martha was aware that Paul's us- ually sure hands, the keen, swift, coordination, were shaken. She felt vague disquiet. Then suddenly, out
The Waterbury Democrat., 1941-01-25

of nowhere, the binding lights of a car, speeding down the highway stabbed at them. Paul was turning there was an involuntary gasp-and before he could swing the wheel the other way, the lights were white and pitilessly close.
 Paul" she screamed. Paul"
 Something smashed against them. She was aware. of the black hurtling bulk behind those glaring headlights. Aware of the groan and rip of steel, the sudden violent shudder of the seat beneath her, and the sound of showering glass;.
 (TO Be COntinued)
The Waterbury Democrat., 1941-01-25

YESTERDAY: Paul is angry to see Martha working so hard. It is not until evening that they have a chance to be alone "tO talk business Martha explains lame ly. Paul demands that she return to the office, threatens to tell Bill. Martha tells him, then, that Su- anne has also threatened to go to Bill, tell hm how Martha is carrying on.
The Waterbury Democrat., 1941-01-25
CHAPTER XVIII

Martina he said ominously q l going to telephone Bill"
 1le palms of her hands grew suddenly damp. Everybody" she cried in a queer little voice ''Everybody wants to go running to Bill! I meant to tell you before. Suzanne has threatened to drive up to camp and - and tell him how I'm carrying on"
 But even as the words ieft her lips, Martha was sorry she had said them. This would just bring on more of the talk that was danger ous. Yet she had meant to tell him. Ask him to prevent Suzanne from carrying out her threat. Was it too late now?
 "Suzanne?" Paul echoed pug Eled and uneomprehending. "'The way you're carrying on?' I don't understand. What was she getting at?'
 "The same thing, in a way, you were getting at Martha heard herself saying, resentfully. Going to Bill and complaining about me. Except that she-she was going to complain about you, too"
 "Me?"
 Don't sound like that! You know perfectly well what Suzanne meant! I tried to tell you myself that night. That we should not see so much of each other
 The street down which they had been aimlessly riding came to an abrupt end Paul backed up, re- traced the route few blocks nosed the car into a little dirt road. They could see the passing lights of cars racing down the state highway beyond. He pulled up short and dimmed the lights.
 T met her on the street" Mar tha explained, turning in her seat to face him. Suzanne was - very angry. Because Madge Willis told her we'd been together at that country club dance
 ''GO on.
 "She talked and talked
 The memory of Suzanne's mar rowed eyes, the sound of her tight, impasSioned voice made Martha stir uneasily. She could not escape the same, unwilling pity which had touched her then. Suzanne had been suffering so! She would never have spoken with sucn edged malice if it were not her own pain that was urging her on.
 She said - she said that she would drive up to camp herself. She eaid that she'd warn Bill. Warn him that 1-that you"
 Paul swore. "Is she crazy? The sneddling fool! Whats gotten into her?"
 You know. She's - she's nn- agining things. Because she"
 Somehow, Martha couldn't betray Suzanne by saying, baldly, the things Suzanne herself had said in that shaking. hungry voice.
 T can't believe she'd do low trick like that! Suzanne has al- ways been decent" He mulled it over in his mind. With the eternal wonder of women, Martha sat be- side him and marvelled at the simple, incredible fact of his blindness. That Suzanne could feel so strongly about him, and that he could be so completely un- aware!
 Pauls jaw hardened. "She has no right to go mucking up trouble, no matter what she imaginesl It isn't her affair how often, or why, I take you to dances"
 Perhaps not, Paul. But-re- member-I tried to explain before exactly how it-it can't help look ing. With Bill away. And people what they are. Oh, in way, 1 - can't blame her. And now, now that you've come driving all this way to Bayville after me, everything's worse. Can't you
The Waterbury Democrat., 1941-01-25
Cn AMlljM CR RAC.K

COMPOUNDS OF BLUE" Listed below are five compounds of the word blue. Can you give a brief definition of each? 1. Bluebeard. 2. Blue book. g. Blue-sky law. 4 Blue vitriol. 5. Blue pencil.
 Answers on Back Page
The Waterbury Democrat., 1941-01-25

Answers On Back Page
The Waterbury Democrat., 1941-01-25

"OF COURSE I LOVE YOU"