davidaulloa/AmericanStories huggingface dataset:
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17

This is the peak of the year
for home buying. Each year
one of five civilian families
moves, and right now the rush
is at its height.
But this also is a period diff
ferent from any this genera
ton has known. For we are
into a cycle of steadily rising
foreclosures on home mort
cages; the rate now is at its
highest since the late 1930s. AT
the same time delinquencies on
mortgage payments are climb
ing rapidly; the rate started ris-
ing in 1857 and hasn't stopped
Also, vacancy rates are increas-
ing and real estate prices in
many areas are softening.
Against this background the
housing industry and finance
companies are urging caution
on the purchase and financing
of homes.
Now, say you're in the mar
ket for a home this summer
How much home can you af-
ford to buy? What is sound pol
icy on making a down payment?
What is the maximum pay
ment you can safely take on
per month? What should you do
if you get into trouble on your
mortgage payments?
5 Suggestions Offered
From the American Bankers
Association, the United States
Savings & Loan League, Will
liam j. Levitt. president Of Lev
lit & Sons, I've collected sew
eral basic guides. In this and
the next two columns. you'll
find information of lasting val
ue. First, on what you can af-
ford:
% You can afford to buy
a house costing roughly two
and one half times your gross
yearly income.
This is a long respected rule
of thumb for average income
families, on which all sources
agree. Calculate two and one
half times your gross annual
income and you have the price
range for your house. Then
deduct the amount of your saw
ings which you can reasonably
use as a down payment and,
as the ABA says. you will have
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17

earnings for five years from
date of change.
Most of those separated from
service will receive 100 per
cent of previous earnings for
up to four years and in no
case will any receive less than
so per cent for up to five years,
depending on date of separa-
ton and length of service.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17
YOUR MONEYS WORTH
How Much Home
Can You Afford?
By SYLVIA PORTER

a pretty good idea of the ap-
proximate amount to be Dor
rowed" on a mortgage. Do not
even consider using all your
savings for down payment, for
you must keep some in reserve
to cover such expenses as loan
closing and moving costs, also
to give you a reserve for ex-
penSeS you don't anticipate and
for emergencies.
90 You can afford about
one weeks take-home pay for
each months total housing ex-
penses.
In these expenses include all
the costs of owning and oper-
ating a home-ranging rom
monthly payments on mortgage
principal and interest, insur-
ance and taxes, repairs and
maintenance, heat and utilities,
to garbage collection and COM
muting costs. More specifically
safe" margins might permit a
man with a take-home income
of $3.50 a month to carry houS-
ing costs of S120, while a man
with a take-home income $500
month should not carry to-
tai housing costs of more than
$165.
80 You also might use the
So-called 81 per cent rule" to
estimate the total monthly
costs of your home.
This means the monthly cost
of your home will approximate
per cent of the price you pay
for it.
Costs Outlined
"a To the cost of your home
per year. add approximately AS
per cent for these expenses:
property taxes, 2-3 per cent;
insurance, up to p of l per
cent; upkeep. not including util-
tiles. ID per cent.
They're averages and the ex-
penses will vary considerably
among families and areas, but
they're good bench marks.
60 Your home base
should be the end, not a new
beginning, of major expenses or,
as Mr.. Levitt puts it, 1T is es-
sential that the house the
homebuyer moves into is COM
pletely livable from the moment
he takes title. Just as an auto
mobile is drivable from the mo-
ment it leaves the showroom.
The point Mr.. Levitt is making
is that you shouldn't be load
ed with dozens of expensive
extras when you buy. for other
wise you'll "get lost in the credit
labyrinth which so often leads
to foreclosures"
Tomorrow: Your down pay
ment and interest costs.
distributed 1862, by The Hall syndi-
cate, Inc. All Rights Reserved
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17
earnings included:
VISIBLE GRAIN

CHICAGO. July II (AP).-The
Board of Trade reported that the
visible supply OF wheat in the United
States increased l3,605,000 bushels
last week to 457,742. 900 bushels. Corn
decreased 1892 900 bushels to S.
$4,000, oats increaser $1,000 to
S,257,000, rye decreased $4,000 to
9. S22 900, barley decreased 1l2.O
to 1854 900 Sovheans decreased
100000 to 6,46O, OO0.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17
Walker & Dunlop Sets
$40 Million Record

Walker & Dunlop, Inc,
Washington mortgage banking
firm, placed a record $685.
445,325 Of mortgage loans in
the first six months of this
year, President Oliver M.
Walker announced today.
The total included $20,-
100000 Of apartment. shopping
center and commercial loans
and $5,665, 1926 of residential
loans.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17
Tanker Keel Laid

BALTIMORE, July II (AP) .
The keel was laid yesterday
for the first big oil tanker to
be built in the United States
with the bridge on the stern.
Bethlehem Steel will build the
47,100-ton ship for the Sin
clair Refining Co.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17

Pan Am Jet Freighters will carry
more payIoad further than any COM
merciaI cargo planes ever! Other
aircraft can't even carry the fuel for
deliveries which the B-32l.C can
make nonstop.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-07-17
Freight Benefits Seen
By Pennsy and Central
If Merger Is Approved
BY DONALD b. HADLEY
Star Financial Editor

The Pennsylvania Railroad and New York Central will
use the prospect for much improved freight
argument in favor Of their consolidation.
Broad plans for operation of the combined transportation
systems outlined today preparation for hearings
before the Interstate Commerce Commission
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05
Tucker Ski Area Is
Being Abandoned

Cabin Mountain, Tucker county,
w. Va, will soon go out OF bust
ness, it was announced The non
profit Washington Ski club announ-
cod its decision to suspend opera
ton at the end of this season.
The area, south Of Davis, was
for several years the only one
south of the Mason Dixon line.
To-day there are more thar a dozen
resorts within weekend driving
distance of the District, many Of
them with better uphill lift facili-
ties and with equipment for making
snow artificially.
The future of the Cabin Noun
tain area was left in doubt The
four rope toWs. the ski patrol hut.
and other buildings would be left
in place, The State of West Vir-
ginia and several private operators
have expressed an interest in keep
ing the area open The area was
found in 1850 by two airline pilots
searching for snow for some late
spring skiing The first tow was
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05

Miss Josephine Spina, a mis-
sionary of the Assemblies of God,
who has been in Pakistan since
1868. will speak in several area
churches, it was announced by
John Hamcrchcck, Jr.. pastor of
the Crcllin Assembly of God
church
Miss Spina. dressed in native
Pakistani costume, will be speak
ing at Cross, W. Va. April 5; Crcl-
lin on April g. Walnut Bottom on
April :. She also will display curl
os from Pakistan. Services begin
at 100 O'Clock.
Stationed at Khulna, East Pakis-
tan, Miss Spina has engaged in
work with the women and children
of the area and also has served as
treasurer Of the district.
Previous to her ministry in
Pakistan Miss Spina was stationed
in Bangalore, India She promoted
youth work and taught in the
Southern Asia Bible Institute She
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05
Welfare Costs Take
Another Big Hike

Expenditures for welfare work in
tins county took another big hop
during the past month. Costs
through the county welfare office
for the month of February totaled
$40, $500, another increase of ST.
8l357 from the previous month. ac-
cording to a report from Dr Alvin
Thalheimcr, chairman Of the State
Department of Public Welfare. The
figures did not include costs Of
administration The increase dur
ing the previous month was 81,
1877 SO. and the month before that
it was S1,78515, or total OF more
than $4,000 in three months.
The amount was distributed to
938 persons. also an increase of As
persons. Last month the total num-
Der increased by 30 and the month
before that it was "a
Largest expenditure as usual,
was in the category of Aid to De-
pendent Children where 564 per-
sons in l72 families received 500
59l.13. an average of S11972 per
family. There we're 20 new applica-
ons with Is being added and 8
cancelled.
In the category of Old Age As
sistance 203 persons received $40
5O4.5O, an average of S51.75 each.
I'm this division there were two new
applications with two cases added
and one cancelled
Three blind persons received S198.
Nincty-six persons listed as per-
manently and totally disabled re-
ceived S5,282 81. an average of
S55.05. There were three cases can
eel ed.
Forty-tWo persons listed under
General Public Assistance received
81. 1926. an average of S4673.
There were seven new cases listed
with four being added and four
cancelled.
Thirty persons were listed under
foster home care and they received
81. 1854. an average of $66.21 One
person went out of care of the dc
partmcnt within the month.
TEirty-fivc persons were inVesti-
gated for hospital care and 81 were
found eligible. Under the medical
assistance to the aged. eleven new
cases were received and II we've de
clarcd eligible. Three were de
cared ineligible There we're 142
cases in effect at the beginning Of
the month
throughout the state the total
Welfare cost amounted TO S3.262.-
947. as compared TO S3,23296O for
the previous month and S2Sl0.726
for February of 1861
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05
MT. LAKE PARK

The first meeting of the Bureau
of Mines first aid class sponsored
by the Loeb Lynn school met on
Monday with tWenty-one persons
attending. Rev Lloyd Trout, of
Grantsville. is instructor. The next
session will be held on Tuesday,
April 10. at 7:30 p. m. Additional
participants may enroll at that
time
Mrs. Ethel Boltz, second grade
teacher at the Loeb Lynn school,
is serving as a critic teacher in
training Miss Carol Switzerland,
student teacher from Frostburg
state Teachers college.
Sunday dinner guests of Mr..
and Mrs Richard Wolfe were Mrs.
Tolla Wolfe. Virginia and Thelma
Wolfe and Paul Wolfe, Red House;
and Miss Betty Biser, Oakland
Carol Landes. of Petersburg, w.
Va. visited his mother, Mrs. Hattie
Landes. Sunday.
Miss Barbara Deems, of Wash
ington. d. c., spent the weekend
with her parents, Mr. and Mrs. Guy
Deems, and her grandmother, Mrs.
Rena Deems. who is a patient in
Garrett County Memorial hospital.
Mr.. and Mrs. Dale Smith, of
Fairchance, Pa, spent the week
end with Mr.. and Mrs Harry
Nicholson.
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05

completed the following year.
Drifts there in some winters had
attained depths in excess of 20
feet and had provided skiing when
few other areas in the East were
operating.
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05
Speaks To Mems Group

Leslie E. Savage. Friendsvillc,
was the speaker at the last meet
ing of the Lutheran Mems group of
the Accident parish on Monday,
Mach IS at the Cove Lutheran
church Harry P Collier is presi-
dcn; OF the organization
Nh Savage spoke on The Great
Commandment The next meeting
viii be held on Monday evening
April %, at Friendsville when H. d.
Swartzcntruber will be the gucst
speakc'
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05

Byron White A was appointed
associate justice of Z S. Supreme
court. succeeding Justice Charles
Evans Whitaker who retired
Swiss voters decided that they
armament.
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05

A Soviet military spokesman said
Russian global rockets now make
United States absolutely defense
less from all sides. us. intelligence
however, cut the strength of missile
power for Russia.
The Republican. [volume] (Oakland, Md.) 1877-current, 1962-04-05

also served in Ceylon and prior to
her appointment as a missionary
she served as a pastor in Lakehurst,
n. J She is a graduate of Central
Bible Institute in Springfield, Mo.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-11-14

lomatic circles who help the
Sisters of Charity at st.
AIMS in their work of caring
for unmarried mothers of all
races and creedS, and chill
dren from infancy to school
age.
The columnist will speak
on THE Paradox of Team
work"
The meeting mas been
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-11-14

the ninth annual meeting of
the Seton Guild of st. AIMS
Infant and Maternity Home.
The meeting, to be pre-
coded by a noon luncheon,
will be held for the first time
in the new $2.5 million home
in Hyattsville, Md.
Mrs. Young is one Of 500
Guild members from Wash
ington's civic, social and dip
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-11-14

timed to coincide with the
annual Christmas Sale. which
will offer a variety of hand
made gifts and holiday dec
orationS. Also in progress will
be a specially arranged art
exhibition featuring the work
of 16 Washington Area art
lists.
Mrs. Clare Taggart is
luncheon chairman and re-
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-11-14
CoIunnnist
ToSpeok
Guild

Mrs. Reardon Young. au-
thor of the syndicated news
paper column Mary Ha-
worth's Mail" will be the
main speaker Saturday at
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-11-14

Servations may be m a d e
through the home.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-11-14
A Contrast

Contrast fur Innings in
coats, such as red-dyed mole
under grey, red fox under
oatmeal, navy-dyed lapin I'M
der red create interest.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-03-23
DEAR ABBY
You're Pushing Him, Mother!
. . .
By ABIGAIL VAN BUREN,

want to talk at once. No
body gets to finish a sen
tence. When one starts talk
ing, somebody butts in, and
then somebody else butts in
on them and before you know
it, five or six people are all
hollering at once. I have
given up trying to get a word
in edgewise. My husband is
mad at me. Am I unreason-
able for refusing to put up
with this?
DON'T HOLLER.
1 don't blame you. Stay
home. Keep up a friendly re-
lationship with his relatives
by having them come to your
home. One at q time.
MA IS
DEAR ABBY: I am en-
gagged to marry a very hand
some, middle-aged man. The
only thing I don't like about
him Is the way he brags
about what a big success he
has been with the women all
his life. I've told him I didn't
care to hear stories like that,
but he always gets back to
it. It's his favorite topic. Do
you think this is a serious
fault or should I just over
look it? LEONA.
Overlook 1t IL you love him,
but remember-when a man
Oversells a product, prepare
for a big disappointment.
Distributed by McNaught
Syndicates, Inc.).
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-03-23

DEAR ABBY: How can I
get our son to date a certain
girl whom he has never met
and says he doesn't care to?
Our son is % and his social
life is limited to a bunch
of guys" and a few girls of so
little consequence that he's
never mentioned their names
or brought them home for us
to meet. The girl we have in
mind for him is well-bred,
charming, has a wonderful
personality and would be just
right for our son. I have been
after him for over a year to
call her, but he says he isn't
interested. How can I get him
interested?
MOTHER.
II you want to kill the pos
sibility Of any romance be-
tween your son and the girl
you have in mind, just keep
Fostering him to call her.
Why not arrange an "acci-
dental" meeting between the
two and let him discover"
her himself?
4 n Il
DEAR ABBY: have re-
fused to accompany my hus-
band to the home of his par
ents or any of his relatives
because, every time I do, I
come home with a splitting
headache. They are nice peo-
pie and I have nothing
against them, but they all
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-03-23

to the fact that Jet engines
are really blast furnaces. Sui
Ivan kidded the captain
about the lack Of geography
on flight charts. This is
true" said Lynch. I'VE fly
from one radio beacon to an
other and, half the time we
don't stop to ask ourselves If
we are over water or land.
1T doesn't matter, really.
The process is so automatic
with all the navigational aids
on board that if I saw a
young officer show up with a
sextant I'd blow q gasket."
We finished breakfast and
the crew went out to the
Boeing TOT and began the
rundown Of the preliminary
check list.
Kelly talked about the
Hindu holy men she had
seen and I cut in with my
opinions about the object
poverty in the villages. The
holy men wander from place
to place, fasting and pray
ing, and living off the meagre
aims Of peasants. The poor
are poorer than anywhere
else. They live in squalor and
they do not complain. Some
Of the babies are swollen
with sores; some are blind.
Some are fat and healthy.
This contrasts with the
riches and silk saris of New
Delhi. the big office buildings
Of the Nizams from the
provinces; the rich food and
17-piece Hindu orchestra at
the Ashoka Hotel and the
vast brownstone palace in
which the president lives. All
countries are places of con-
trasts, but they are on the
edge of extremity in India.
The philosophy of the sub
lection of bodily desires to
those Of the soul is nowhere
as deep as in this country.
The Hindus, the Sikhs and
the Moslems can gaze upon
the Tai Mahal and a bowl Of
rice without envy. They are
patient, even while waiting
for death on a sidewalk.
A LOUDSPEAKER called
all passengers for Flight 2
and we gulped our coffee and
went out. Il can't wait for
breakfast" Jack Sullivan
said. I'm not knocking the
food in India mind you, but
I think I'll start with three
grapefruit for openers"
Capt. Lynch asked him if
he'd like to look at the flight
deck from outside the door.
II can explain a few things
to you," he said. mo, thank
you," Sullivan said. II do a
lot Of flying and if you start
telling me things. I'll start
thinking. Thanks just the
same"
Lynch shook hands all
around. You're getting off
at Bangkok" he said. I'm
flying on to Hong Kong. 1
hope we meet again."
It's a shrinking world.
Magellan's ship required
three years to go around 1t.
Lynch would be around and
back in a few days.
Copyright, 1852.
King Features Syndicate. Inc.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-03-23
How to
STOP KILLING
YOURSELF
'Quocks' Reap Big Harvest
By DR.. PETER J. sTElNcRoHN

A letter received today Is
from John j. Quinn, secre-
tary Of the Fraternal Order
of Police. For years he has
been warning against need
less deaths on the highways.
He has q simple suggestion
that could save many limbs
and lives.
He writes: WED all like
to do something to stop this
senseless slaughter. For sew
eral years, our $4,000 men,
bers have been urging mo-
florists to stop for a coffee
break at least every two
hours on long trips. It helps
them unwind, and restores
needed alertness.
It's a sound idea for shop
pers, too, to take a few min
utes Of relaxation and a cup
Of coffee before climbing into
the car for battle with home
ward traffic. The remedy Is
based on plain common sense,
and that's the prescription
that always works when it's
applied. We hope you can
urge your readers to apply 1t
this year."
IT IS SAD, but true. that
for many the attack Of shin
giles is not over within weeks.
It does not disappear with
the last bleb and other skin
eruptions.
When the pains. and the
burning, and other discom-
forts persist for months after
the acute attack, we call 1t
post-herpetic neuralgia. We
don't know what brings on
the original attack, except
that it is due to some virus.
Not knowing the exact
cause, we haven't found a
specific treatment. That's
the reason we try so many
different methods to make
you more comfortable.
A new treatment which
your doctor might consider.
sometimes effective where
everything else fails, is spray
ing the region for a, few min
utes daily with ethyl chic
ride (making sure not to use
It If the pain is near the
eye). This method has been
used with some success in
England.
(Bell Syndicate Featured
Evening star. [volume] (Washington, D.C.) 1854-1972, 1962-03-23
jim BISHOP:
REPORTER
India: Land Of Great Contrasts

NEW DELHI, India-Capt.
Waldo w. Lynch brought
Flight 2 Pan American in
from Beircut this morning
and we sat around a big
table in the Palam Airport
talking flying and travel.
Capt. Lynch is a man with
short gray hair and q tough
mans man approach to life.
His big bird sat on the blocks
outside the window, and he
joked with his crew without
taking his eyes off the TOT.
and what was being done to
it. '.'' g.. ''--' 500 .'.
HE HAS BEEN flying for
80 years, which means that
he flew the old high-wing
Flying Clippers and he flew
Stinsons and OX-5's and
Curtiss Condors and other
early birds which are now
museum pieces. The captain
invited Jack and Dorothy
Sullivan over to the table.
He knew that they were on
a round-the- world trip and
would be moving on with him
this morning to Bangkok.
Sullivan is a plump melon
who owns a restaurant in
Spring Lake, N. j. He has a
smile like a lottery winner.
Sullivan introduced his wife,
an attractive blond with
hundred karat emerald eyes.
The restaurant owner and
the flight captain made good
conversational foils. Sullivan
talked Of India; Lynch talked
flying.
The crew listened. So did
Kelly and I. Lynch said that
this was a rare morning. "Sit
on the left side" he said.
THE air is so clear that,
when We get to 10000 feet,
we should see the sacred
Gauges below, the Himalayas
and Mount Everest 400 miles
to the north, and, If we pick
up q jet stream we expect,
Flight Q should be moving
at 75o miles per hour"
, Sullivan smiled, Captain"
he said, have you ever seen
a cobra and a mongoose
fight 1t out on q sidewalk?
We've been here only three
days but :"
Lynch shifted politely.
"In this part of India" he
said, "cobras are as common
as camels." Mrs. Sullivan
laughed. She has a first class
laugh and soon everyone was
laughing.
Anyway" Sullivan said,
II think the battle is rugged.
The mongoose grabs the
cobra by the head"
81. and when the fight
is over" the captain said,
there isn't a mark on either
one Of them and you have
paid five rupees to watch il"
I shook my head. "Ten," I
said. We talked old planes
for awhile versus the reli-
ability of jet engines. Lynch
made a small gesture with
his hands. "In the old days
Of piston aircraft" he said,
the fretful passengers we're
afraid a fire would start in
an engine. Now the same
few are afraid it will go out"
This allusion, of course, is