Evening Star Newspaper, October 19, 1935, Page 25

REAL ESTATE. -SSR0 PAD ONHOMESINU.S Debt Reduction Is Estimated | by Building and Loan League Head. Urban families with mortgaged | homes are some $415,276,000 nearer to debt-free ownership than they were when the year began, the United Btates Building and Loan League esti- mates. I. Friedlander, Houston, Tex., president of the league, points out that the 11,000 savings, building and | loan associations and likewise the| Home Owners' Loan Corp. require monthly repayment on the princi- pal from all borrowers, and that these two groups of mortgagees are now financing close to 3,000,000 American home owners accounting for this total of payments in 1935. About 80 per cent of the repayments on mortgage loans went to the savings, building and loan associations which hold about 2,000,000 of America’s home loans. Scores of thousands of the families are within a year or two of | owning the homes outright, the league | president recalled, since the average length of the associations’ monthly repayment loans is about 11 years and | %7 months, and about a million of the loans now carried on the booksl ‘were made back in 1925, 1926 and 1927, | and the larger part of them have gone right along paying off the contract. *The associations during the depression refinanced many of them on a smaller monthly payment basis, with a longer | period to pay off in order to help them carry on. Reduction 9 Per Cent. “Although many of our association loans are for about half this length of time, and the past year has seen many new mortgages being writien for as long as 15 years, thfe average yearly reduction on the loans is about 9 per cent and the first three quarters of this year have seen an improvement 1n loan collections which warrants the estimate that at least $335. 000 has flowed back into the associ borrowers since January 1,” said Mr. Friedlander. He cited Home Owners’ Loan Corp. figures as of August 31 to the effect that $124,082,511 had been re- paid by their borrowers since the be- ginning of activities, pointing out that $48,843935 of this had been repaid before the first of this year, leaving $75,238,000 for the 1935 payments in the first eight months. A conservative estimate on September collections by the corporation brings the first nine months’ figure there up to $80,000,000. Mr. Friedlander said that possibly a few thousand dollars should be added to the national estimate on home own- ers’ progress toward debt-free posses- sion because of the loans made by other types of institutions under the F. H. A. title IT plan, which also re- quires monthly repayments. He com- mented, however, that the amount of such commitments thus far is so recent and so small compared with the $5,000,000.000 loan portfolio of the country's savings and loan associations exclusively on this repayment basis and the $2,741,500,366 held by the H. O. L. C. that it would not materially affect the total repayments for the year. Payments Increase. “Throughout practically the past 105 years during which the building and Joan associations have been gradually spreading the feeling and demand for the long-term monthly repayment Joan, the amount of home indebtedness paid off by the mortgage borrowers per year has increased.” he said. “The only exception would be the years of 1932 and 1933, when comparatively few new loans were being made and the worst period of emergency for the bor- rowers had to be faced. There is every prospect that the progress toward debt-free ownership will be consider- ably enhanced next year by the sav- ings, building and loan associations’ expanded lending activities using funds from Federal Home Loan Banks and from State reserve systems, H. O. L. C. share purchases and the new funds from the public. Activities of the Home Owners’ Loan Corp., ‘where they ing of loans held formerly by private individuals, banks and insurance com- panies, contribute likewise to the progress of the debt-free home pos- &ession.” Garden Notes 'As one works over the garden soil, an occasional tulip bulb that was inadvertently left in the soil comes to light. These bulbs are just now send- Ing forth their new roots and this fact would indicate that it is time that growers were busy planting their bulbs. As a rule, massed plantings of single colors are much more attrac- tive than mixed plantings. Tulip bulbs put into the soil any time up to Thanksgiving will do well but the sooner planted the better. Aquilegias or columbines generally give a fine performance for two years and then weaken and disappear. writer in a garden magazine indicates that cutting away of flower stalks as soon as they have bloomed will ma terially lengthen the duration of aqu legia plantings. Certainly such pro- cedure would prevent the growth of the numerous seedlings, which always appear in the border and which rarely approximate their parents in beauty. The Washington Real Estate Board held its annual election last Monday night. In addition to electing a new president and two vice presidents, the board selected six new members to the Board of Directors. These are: 1, E. C. Baltz; 2, J. McKenney Berry; 3, G. Calvert Bowie; represent the refund-| Al 4, Morris Cafritz; 5, H. E. Doyle: 6, Fred A. Smith. —Harris-Ewing and Underwood & Underwood Photos. ns from | | NE SHOULD not think of the| ' O monthly blooming type ol‘ rose as fully Winter hardy. As a matter of fact, in an un- | usually mild Winter, the plants of the | more sturdy varieties, such as the two| Radiances, will come through un- | scathed, but such years are exceptions | and the gardener cannot rely on their | occurrence. The rose does not have a | dormant period like the apple or for- \est tree. If a warm spell comes in| | Midwinter, the buds start freely and | | thereby increases the hazard of in- | jury. Fortunately, the grower need | | not be interested in the over-Winter- | ing of the entire canes as he would be | ! in plants that bloom entirely on the | preceding year’s wood, such, for exam- | ple, as the forsythia and Spirea Van | Houtte. In the rose, it matters Lt- | tle if the top half or even three-fourths | of the canes are killed. Hence, in Jate | Autumn, the canes may be cut back | to two feet or more in lenth to pre- | vent whipping in the Winter storms and loosening the root crown. Finel | pruning should be deferred until the ‘ middle of March. The plants should be mounded with a cone of soil to a | | height of eight or nine inches to pro- | | | | ‘The long-spurred hybrids seem par- | ticularly difficult to maintain. Arborvitae plants have many dead leaflets at this season but this is mostly a natural development. In Spring there will be an outburst of new leaves that will restore the full ~beauty of the plants. It is well to examine the arborvitaes for bagworms | and to cut Sff and destroy all such | tect the lower buds. In small beds, | this additional soil should not be dug | from the beds as such will partly un- | cover the roots and leave pockets in which water and ice will collect. Peat | moss may be used to advantage in| mounding but soil is the mos® stable | material. With such a mound, the| plants will survive hard Winters suc- cessfully. | Condition of the plant is a vital face tor in its ability to pass the Winter. | If it has been frequently defoliated | with black spot, the chances for sur- vival are lessened and in such in-| stances one is really not justified in blaming the variety ‘or the nursery | which supplied the plants. On the ! whole, well sprayed and fertilized | plants given the mound of soil as protection are rather certain to c.ige through the Winter in satisfactory condition. Lawn Care. N ENTERPRISING Ohio seed firm specializing in lawn grass | seed and bent grass cuttings publishes a pamphlet under the above title for the benefit of its customers and ! friends. In one number there is an | article on late mowing which suggests | that close cutting very late in the | growing season is not wise as it makes | the grass more subject to Winter | killing. This is sound advice but on | the other hand, those gardeners who | have to rake and re-rake their lnv\"nsi for leaves during the next few weeks | find long grass an intolerable handi- cap. The question of permitting the! leaves to lie on the lawn as protec- tion is discussed in the same puper] with the opinion expressed that it is | better to rake or sweep the leaves. | When wet and matted the leaves| actually may smother the grass. On | the whole, grass is a mighty sturd)" plant and even during the past two severe Winters, came through in good condition, particularly in well nour- ished lawns. Plantain and dandelions show up at this season and if not too abundant can be eradicated by the simple expe- dient of cutting them off below the surface, much as one would cut aspar- agus. A lttle gasoline dropped on the crown of dandelions or plantain will also kill them. Another persistent weed is the trailing ground ivy, known also as field balm, gill-over-the-ground and gill ale. This plant lies so close to the soil that the mower scarcely touches the top leaves. Raking witll a metal rake will pick up a good deal of the plant, but only serves to check it temporarily. The leaflet, “Lawn Care,” suggests spraying the infested lawn with a solution of two ounces of sodium chlorate in one gallon of water. The spray will tempora- rily retard but not destroy the grass. Sodium chlorate should not be sprayed on the clothing, for upon drying it may ignite from friction. Dahlias. NFORTUNATELY, the finest dah- lia blooms usually come at the extreme end of the season, when the NG STAR, WASHINGTO frost hazard is at the height. For example, the Amelia Earhart specimen bloom, with which John L. Bishop of Woodridge won top honors at the Takoma Horticultural Club display, was just about as perfect a bloom as possible. The dahlia enjoys cool nights, short days and, of course, good cultural care. Varieties of dahlias differ greatly in their inherent capac- ity to produce nice roots for propaga- tion. Some of the finest varieties produce rather . stringy roots which are difficult to over-Winter in the warm house cellar because of their tendency to dry out too easily. Such roots must be covered with sand or peat moss kept slightly moistened but not wet enough to induce rotting. Some growers have had success by dipping the roots in melted paraffin, which leaves a moisture impermeable coat. Dahlias will often Winter safely in the soil if it is well drained and particularly if leaves cover the ground, but such a method is precarious at the best. Conditions which favor the keeping of white potatoes also favor | @ the dahlia, notably a root cellar which remains around 40 degrees Fahrenheit, but never actually freezes. Gladiolus Thrips. S THE garden season of 1935 draws to a close, gardeners are naturally recalling their successes and failures, and among the latter none has been more general than the fail- ure to control gladiolus thrips. Such | failure is not necessarily a reflection | on the home gardener’s industry, for | several of the very best amateur| gladiolus growers of this locality have expressed their disappointment in not | subduing this pest. A writer in the September number of Wisconsin Hor- | ticulture states that five sprayings failed in one important Wisconsin gar- | den and expresses the belief that it| is almost impossible to control gladio- | lus thrips by spraying alone. Tregt- ment of the bulbs before planting with corrosive sublimate or some equally D. C, With such supplements and an oc- casional turning and wetting, much of the decomposition will be ac- complished by next Spring. Burning of leaves makes disagreeable smoke, whereas decomposition in a compost pile would take place without discom- fort to anyone. One good quality in decaying leaves is that they contain no disease spores harmful to flower and vegetable plants. ‘Winter Muiching. AB A rule, Winter mulches are not put on plant beds to keep the bulbs or roots warm but rather to keep them uniformly cool and to pre- vent the soil from raising and lower- ing with alternate freezing and thaw- ing. Some weeks ago, the value of mulching pansy beds. with rotted manure was mentioned in this column. In the case of the pansy no one would think of actually bury- ing the plants with the mulch, for such a procedure would kill them. potent disinfectanf is believed abso- g lutely necessary in control, and even, the paper sacks or baskets in which the corms were stored during the Winter should not be taken into the garden. When gladiolus bulbs are purchased, it is not safe to rely on the dealer's statement that they have been disinfected and they should be given the same careful treatment as home grown bulbs. Anything that the home gardener can do to main- tain the gladiolus in the home garden is well worth while, for it is aptly; enough termed the queen flower of the Midsummer. Leaves Have Value. LEAVES are a potential source of fertility for the garden but not if directly spaded into the soil. Once rotted down, however, the organic | residue is almost as good as rotted manure, particularly if some am- ! monium sulphate, superphosphate and | lime has been added to the pile dur-| ing the decomposition process. To most home owners, leaves are more or less of a nuisance but if one has| space to pile them, he can accumulate | fertility at a negligible cost. Some | years ago, a local home gardener pointed out that poultry were highly | effective agents in breaking down leaves into useful organic material. Their droppings greatly enhance the fertilizing value of the residue. Few | | home gardeners, except in the out-| lying suburbs, have poultry and. if | leaves are to be utilized, they must resort to chemicals as supplements. | Priced Surprisingly Low! Terms Arranged 8 Open Today @ and Daily to 9 cinity. SATURDAY, OCTOBER 19, 1935. ‘The mulch simply keeps the frost from lifting the plants out of the soil. Certain lilies, particularly the Regal, often get started too early in the Spring, so that the tender shoots get nipped back.t With such plants, a ligh mulch of leaves, peat moss or grass will keep the soil cool and delay their start. The same situation prevails with narcissus, tulips and hyacinths. Chickwied, often a pest in the tulip beds, cannot get started under an inch or 80 of peat moss and early Spring rains are not so apt to spatter the blooms with mud. Best of all, when the bulbs are removed in late Spring, the mulch works into the soil and puts it in better condition for the suc- ceeding crops. Heavy muliching with leaves is just about as worthless as a light mulch is , worthwhile. What gardener is there who has not found this fact out to his own discomfiture when he comes to uncover plants such as 7 spacious rooms and finished attic. Mod- ern kitchen, tiled baths, first-floor lavatory, large living room with fireplace. Refrigeration. Weather- stripped, screened, furred walls, insulated; sodded and landscaped. Detached garage. ‘ Drive out 5th Street N.W. to Underwood Street, left to 7th, turn right to house. STROUP REALTY CO. (EXCLUSIVE AGENT) 1427 Eye St. R 9 WEST KIRKE District 0368 AR ERERERETE STREET REAL ESTATE. B—9 aquilegia and pyrethrum in early Puhge Recei Spring. The young leaves must have iver at Door. air to breathe, just as any other liv-| A Package receiver located by the ing organism. The intelligent use |entrance door to the rear porch will of muich, on the other hand, will | be a convenient addition to the house, bring through the Winter species that | wpe, housewt ¥ are ordinarily considered too tender 1 1 n :‘ fe is away the de- for the locality. very boy may drop parcels through this space, and they will be kept dry Sharks sre hampering fishing off | 85 well as hidden so that a prowler the coast ¢f England this season. will not disturb them. 1440 LOCUST ROAD A NEW HOME IN SHEPHERD PARK DIGNIFIED Colonial Home of Georgian design which we have recently completed in Shepherd Park. There are four bedrooms. Your inspection is cor- dially invited. “This is as Electrie Kitchen Drive out 16th St. to Locust Road Bl Kene and turn right one block to home. 2 L. E. BREUNINGER. & SONS 1515 K St. N.W. 3105 tenhouse St. NAt. 2040 —A Delightful Home— N.W. Corner Utah Ave. A large center-hall brick on a generous lot. The first floor contains L1QUID PLANT FOOD FLORIS — the new scientifically pre- pared liquid ferti- lizer will help you have success in- doors with the flow- ers you prefer— blossoms — fra- grance — color — a varied and interest- ing indoor garden. It is a complefe, balanced fertilizer and its action is positive and prompt. CONVENIENT—CAREFULLY BLENDED—COMPLETELY SOLUBLE FLORIS CHEMICAL COMPANY, INC., BRENTWOOD, MD. Use FLORIS No. 2 for Ferns, Palms, Rubber Plants, Aspidistra, Bow=- string Hemp, Foliage Begonias, Coleus, Dracena. Use FLORIS No. 1 for Geraniums, Begonias, Cacti, Primroses, Cycla- mens, Azaleas, Garde- nias, Flowering Bulhs (Hyacinths, Daflodils, Tulips, ete.). One teaspoonful or bottle cap plant. mixed with or followed b Economical because there is identical and fully effective. For sale at drug stores, department stores. florists and garden supply stores enerally throushout the e o *Note to Dealers: Phone Metropolitan 4370 for Supply. Chevy Chase, Md. *10.950 Located in the most beautiful part of Old Chevy Chese, on a 100- foot street lined with double rows of towering eims, this attractive iately appeal to you. New-house condition—living room, library, dining room, kitchen, breakfast nook, four bed rooms, two baths, very large screened sleep- ing porch, electric refrigeration, two-car garage. OPEN SATURDAY AND SUNDAY Edw. H. Jones & Co., Inc. 5520 Conn. Ave. Cleveland 2300 62 SPLENDID LOTS ALL IMPROVEMENTS MADE (NO ASSESSMENTS) ONLY 8¢ PER SQ. FT. Choice lots while they last. All sizes, fronts and depths (50x130 ft., 60x140 ft., 60x200 ft.) etec. PRICES FROM $520.00 TERMS ONLY $20.00 DOWN, 20.00 MONTHLY Located in BARCROFT, VA. (Arlington County) @ Street Lights o Hard Surfaced Streets ® Graded School ® Bus Service - D. C. Water D. C. Gas Sewer Electricity o BUILDING RESTRICTIONS Eight houses sold and occupied by original pur- chasers in this subdivision for an average of over $7,600. This should prove to you value of lots. , (6 Miles from White House) Inspect Thegn From Your Car. Plats Given on Request. DRIVE ONE-HALF MILE PAST GLEBE ROAD ON LEE BOULEVARD TO OFFICE WALTER O’HARA & SON Lee Boulevard and S. Abingdon St. WALNUT 8860 BARCROFT, VA. LOOK FOR THE HOME large living room, dining room, electric kitchen equipped with General Electric range and refrigerator, lavatory and living porch. . . . Second Floor—3 large, beautiful bed rooms and two lovely baths—with abun- dance of closets. . . . Third Floor—2 large bed rooms and cedar closet. Entire roof area is insulated with Johns-Manville rock wool. There is a brick garage. Cellar contains delightful recreation room and genuine oil-burning heating plant in one unit, including oil-burning domestic hot-water equipment. We have never offered a home more finely constructed, in a better location or more reasonably priced._ -.Price, $13,950 Terms May Be Arranged OPEN SATURDAY PM.. ALL DAY SUNDAY_AND EACH AFTERNOON AND EVENING UNTIL SOLD Offered Jointly for Sale by G. B. Likens Phillips & Canby, Inc. 1519 M St. N.W. 1012 15th St. NW, National 8095 National 4600 WOODWARD & LOTHROP 10™IM™F avp G Smeets Peowz DIsmmicr §300 Have Your Furmiture Re-Upholstered the Woodward & Lothrop Way Washingtonians have found a sure way of having their furniture re-upholstered in a completely satisfactory manner is to have the work done in Woodward & Lothrop’s modern shops, where ex- pert workmen use only the finest of materials. Prices are moderate. Tele- phone DIstrict 5300 for an estimate. You will not be obligated in any way. For Winter Comfort and Fuel Savings Let Us Insulate Your Home with Johns-Manville Rock Wool nests. Bagworms were very plentiful | this past Summer and it is likely that nests should be more than usual In number. Attempts to control this insect by spraying showed one gar- dener that the usual lead arsenate spray of one and one-half pounds of THAT INSURES We use the most modern of equip- ment to blow Johns-Manville Rock Wcitl)] int?l the.].open sgacles gf y&x_r walls and ceilings. Only by this D s e o method can the heat-stealing cracks — and crevices that prevent fuel economy e y be thoroughly stopped. You will be pleasantly surprised how comfortable your home can be—in Winter and Summer—and the fuel Washington Gas Light Co. @ Georgetown Gas Light Co. TOUERHEADDOO, 217 Albany Ave., Takoma Park, D. C. A Quality Home Built by an Engineer for the Discriminating Buyer NOTEWORTHY FEATURES Lavatory on First Floor Corner Lot o Bon K savings will be very worthwhile. - Library or Den o Recreation Room “‘."‘n OPEN DAILY AND SUNDAY Large Brick Garage Automatic Oil Heat Storage Hot Water Facing Park * Copper Pives ountgs_ructSBi— 38 Installed For Single Ga or Single f.ge Deferred payments may be arranged Telephone Dlstrict 5300 for further information or an estimate HoMme IMPROVEMENT Division OrrIcE, SevEntH PLOOR. <> Out Piney Branch Road to underpass, turn left one block and right one block on Baltimore Avenue to property. uu e e HEAITH HOME Owner—R. G. SHERBURNE—Builder Phone Shep. 2731 "