Evening Star Newspaper, November 16, 1935, Page 25

REA " INCREASED LOAN OPPORTUNITY SEEN Building Loan League Head Sees $600,000,000 Worth of New Construction. Savings. building and loan associa- tions will have an opportunity to make sound loans on $600.000,000 to $700,- 000,000 worth of newly constructed one and two family homes in 1936, if the present rate of pick-up in construction‘ continues. This was the statement of I. Fried- lander, Houston, Tex., president of the United States Building and Loan League, in his address before the forty- third annual convention of the league| held in Cincinnati this week. He| pointed out that this is a field where| " the associations have served well and| experience, fixed | purpose and local autonomy to serve| are best fitted by again. The interest rate upon home mort- ‘gage loans, as important as it may be conceded to be, can hardly be said to have justified all of that attention which it has been given to the exclu- sive of other important factors in home ownership costs.” he said. “For those who do not borrow money it does not, of course, constitute any part of their cost, but every home builder, whether using his own funds or those which he may borrow, cannot escape the fact that he must pay as compared with pre-war prices the added percentage of: Materials, 30 per cent; trans- portation, 45 per cent: distribution, 20 per cent; building labor, 50 per cent; when he undertakes the building | of a home.” Cites Government Part. Speaking on the convenient keynote of “National Security Through In- dividual Thrift and Home Ownera #hip” Friedlander said that the Gov- ernment’s steps in the direction of national security attempt nothing more than the provision of security at a subsistence level such as would be satisfactory only to the under- privileged and the groups which have not taken care of their own future eecurity out of their own industry, frugality and prudence. provides only the s,” he said. “For at least 90 per cent of our population the formula for personal security of & degree satisfactory to themselves lies exactly where it has lain since the founding of the Republic—in the grad- ual building out of earnings over the years of a sufficient store of increment the income from which may enable them to provide for their loved ones and dependents and to stand by them- selves Must Convince Citizens. He said that the building and loan business must concern itself with building up the citizen's belief in_his mbility as well as his right to achieve his own security. “It is conceded that there are today tmany of those whom discouragement, the sense of futility. or the unfortunate experiences with previous investment efforts have driven to the belief that they cannot care for themselves.” he continued. “National security can be indefinitely held back by the main- tenance of that point of view by any eonsiderable group of citizens.” | The business of building and lend- | dng must frankly face the danger of | nfiation, in my Friedlander’s opinion, | ““As trustee of the funds of nine mil- | Hon savers we are expected to speak for their interests in this matter.,” he #aid. “They have no one to whom to Jook for leadership or guidance in the struggle to maintain the worth of their | savings unless they can depend upon the managers of the institutions which | trustees for their money. There- | fore, building and loan associations L ESTATE. N. E. A. Official Buys Home Center hall Colonial home at 3308 Runnymede place, which has been sold to Mr. and Mrs. Frank W. Hubbard by G. F. Mikkelson & Son, builders, through the offices of Boss & Phelps and Lansing Valk. Hub- | bard is connected with the National Education Assoiation. The house has | seven rooms, two baths and second floor library. ~—Star Staff Photo. happened to our thoughts in | ized today. Consider the true lilies. regard to plant foods. Not| The introduction by Ernest H. Wilson much over 10 years ago plant | of the Regal lily from China was a students believed and taught that|great stimulus to improvement only about 10 of the elements were esseatial in the growth of plants. These were carbon, hydrogen, oxygen, phosphorus, potash, nitrogen, sulphur.{ calcium, iron and magnesium. Now the number of elements has been raised to 20 or more with no positive indication that the top has been reached. The changed viewpoint has | coming into the general trade. Great progress has come about Hemerocallis, or day lily, family in the last five years. Dr. A. B. Stout of the New York Botanical Garden became interested in sterility in the | day lily and from his experiments come about through the use of more | raised many seedlings, some of great highly refined methods of chemical | promise. analysis. One part per million of a| Not all the flower improvement has substance such as boron may be highly | come in greater beauty and form. beneficial and essential to plan'.s‘,Disense resistance has been advanced whereas even as little as five parts materially. Rust-resistant snapdragons may be distinctly harmful. and wilt-resistant asters have been How does this concern the every- | created during the decade past. These day gardener? Simply that there may | new varieties are infinitely more val- be a hazard in using only pure chem- | uable to home gardeners. For the first icals for fertilizing the garden. Last |time since science came into agricul- Summer, a Woodridge gardener found | ture, home gardeners are receiving that application of a little Epson salt, | special assistance. magnesium sulphate, corrected a yel- | Amateur gardeners in the Washing- lowing of his dahlia leaves. Some |ton area have had an important part fertilizer companies are adding tiaces |in the improvement of certain species, of various elements to their materials | notably the dahlia, gladiolus, iris and and in a few years there will probably | narcissus. Several local varieties have THE k\yiunING STAR, WASHINGTON, D. C, SATURDAY, NOVEMBER 16, 1935. balloon flower, ageratum, heliotrope, perennial ageratum (supatorium) and hardy asters. Transferring the thought to wild flowers, one can recall the fond memories of violets, fringed gentians, wild iris and hardy native asters, such as Nova Anglii and Nova Belgii. Any one who has been for- tunate enough to be in Texas when the world-famous bluebonnets are in bloom could never forget the magnifi- cent display of blue, carpeting acres and acres of range land. Many homel gardeners are so fond of blue flowers that they make a determined effort to maintain a succession of this color throughout the season. Hedge Plants. HAT a variety of plants are used for hedge material, One has no need to travel far through the suburbs to see Carolina hemlock, rose of Sharon, Japanese barberry, Morrow's honeysuckle, box, plenty of privet and | occasionally an arbovitae. What is| the best hedge plant? The size of | the home place has much to do with | answering the question. For the small urban home place box, privet and barberry are perhaps best becausg they can be clipped severely without detri« [ ment. There are frankly many home places that would look a lot more at- | tractive if not hedged at all because hedges tend to make the small place look smaller and crowded. In looking about for new hedge material one might well consider the vew, especially the Japanese yew, Taxus cuspidata. This yew is a dark green species that holds its color well during the entire year. As a matter of fact the yew is not at all new to this vicinity. It has been planted as a foundation before many public build- ings and private homes but has been used but little for hedging, possibly becauase the plants are rather costly, particularly as compared with privet. However, evergreen prices have moved starches accumulate in the plant in late Fall and are converted into growth materials in the Spring. The oaks are a striking example of a resting plant. Rarely does this find old family break into leaf in Spring until the hazard of belated freezes is past. Some gardeners are reporting that certain species such as phlox are mak- ing new growth but for the most part the perennials are hardy plants which endure Winter freezing with more or less impunity. Garden Notes. VARXOUS shrubs are employed for holding terraces and other sharp sloping soil surfaces from washing. Some years ago certain slopes in the Walter Reed Hospital grounds were planted with coralberry (symphori- carpus vulgaris) and snowberry (sym- phoricarpus racemosus). These plants |soon formed a network of plants by virtue of above ground runners which root freely. Rambling roses have been used by certain railroads for the same purpose and in the Spring make an attractive picture for the passen- gers. English ivy is sometimes planted on steep banks and does a fairly effec- tive job of holding the soil. Winter injury to such hardy species as the rhododendron and laurel occurs not as a result of low temperature but more often from improper location. In the forest these species occur as under- story plantings beneath large forest | trees and generally in protected glens. | When the plants are set in full sun- | light with full exposure to the wind | the leaves often show browned tips or margins. This may be due to loss | of moisture during the Winter, espe- | clally when the soil is deeply frozen. Loss of water proceeds continuously | through the Winter in evergreens. The sbvious remedy is to mulch the roots deeply with leaves or peat moss to keep the ground from freezing deeply and thus interfering whit the absorp- tion of water. RATHER astonishing thing has | flowers that are scarcely even visual- | | cient size to begin a hedge may be |coming increasingly valuable as the | Many hybrids have been produced, one Plants grow larger. of which—George Creelman—is now | | temperatures of Winter. be no occasion to think of these lesser | received national acclaim and even | elements and return our thoughts to | now scarcely a flower show is held in the big three, mitrogen, phosphorous | the local suburbs that does not con- | and potash. | tain a few new seedlings. Hand in Many a home gardener has learned | hand with the professional breeder, to his misfortune that it is possible to | the amateurs are helping to create apply too much plant food to certain | more lovely flowers for America. flowers such ns]the nasturuurg. nl%«?- Blue Flowers, tiana and portulaca. Too much stal manure oot otner mitsogenous mate: | V[ANY peovle have a faorite coor rials simply res: ssive foli . P . mply results i excessive folag® | 1, choice of many, judging by the and few blooms. On the other hand | 2 . T certain species such as the dahlia and | :j‘:l;usfj',? for delphinums: Besin: the rose seem to revel in heavy feed- = ing. The successful gardener mnst}t’;nsms which “;‘rglh“"’m‘“gb‘" A‘;“‘ i 4 &1 e succession of ue may be main- ]pelil;:.s,the special requirements of his | 010 throughout the entire garden The application of lime is a horti- | cultural practice that requires intelli- | gent consideration, for many plants are injured by excessive liming. Even blue grass, reputedly a lime-loving plant, thrives best just on the lightly acid side. One sees less and less of the random application of lime all | over the home place each year. Gar- | den clubs have had an important part | phiniums, blue iris, anchusa, Japanese season with annual and perennial del- | sharply downward in the last two or The common witch hazel that grows three years and yew plants of suffi- purchased fairly reasonably. hedge should last many years, A yew be- Price Winter Dormancy. in the 'I‘HE almost Summer-like weather of early November would be ex- ceedingly disastrous to garden plants were it not for the fact that many species are now in a period of rest which will not break until after the plants have been exposed to the low This ex- ceedingly wise provislon of nature saves our ornamentals from disaster evéry year. Many scientists have won- dered as to the true character of dore mancy and as to the changes that ac- company its onset and departure. Chemists have found that sugars and | | special care is given the plants in | | of sod mulch culture is employed in A BUNGALOW OF REAL VALUE. HILLS, A SUBURB OF BEAUTY AND DISTINCTION $6,350 wild in local woods is & most interest= ing shrub for the manner of its bloom. The yellow flowers, which appear in Autumn, persist through the Winter and fertilize the young seeds in the Spring. How the pollen bearing flow- ers are able to endure Winter temperatures is one of Nature's marvels, ‘There are a number of national societies built up around the culture of a single flower. Thus there are societies for the rose, dahlia, gladiolus, iris, peony, delphinium, chrysanthe- mum and other flowers. The fancier of any species may join and, through the medium of annual meetings and written proceedings, gain a wealth of information concerning his or her favorite flower. Iris King, Lent A. Williamson, Queen of May and certain other varie- ties of common garden iris are very susceptible to leaf spotting diseases and therefore tend to disappear from the garden, while more vigorous kinds increase. Irls King rarely persists more than two or three years, unless the way of transplanting and cultural | care. At this season clear all old | leaves away from these disease-sus- ceptible varieties. Apple, peach and other kinds of fruit trees may be grown successfully on rather steep slopes without serious loss of soil by erosion if a system place of cultivation. The young trees | must be carefully planted with good | soil and for three or four years a | small cultivated ring should be main- tained about the base of each tree. If the trees are literally fertilized | with nitrate of soda or sulphate of | ammonia sufficient growth will be | secured to keep the tree in vigorous; condition. The same system of cul- | ture is applicable to shade trees and ornamental shrubbery. ‘ LOCATED IN WAVERLY 4325 North 16th St. K rooms and b refrigeration. wood-burning garage, large. wooded landscaped th. finished attic, fireplace, hardwood floors screened and hot-w weathe! Daily and Evenings Drive over North 160k St., Key Bridge out Lee frame Tioht left 2 biocks Hi furn 1015 4 b to 4 property. B. M. SMITH Overlooking on Pershing Drive: 3 room: w_detached brick, corner andscaped: 0Oc_bus far. r int., 1156-W. T —————— e TR taxes, ins. 2408 Columbia Pike, Arlington. REAL ESTATE. B—7 Wo0oD HANDBOOK- Publication Valuable in Plans for Modernization. A “wood handbook” containing 325 pages of information of great value | to any one contemplating moderniza- | tion or new building hes recently come off the press. 1 The publication is the result of a widespread demand by the general public, architects, building engineers and the building trades. | The booklet is published by the For- est Products Laboratory of the United States Forest Service, Madison, Wis., and may be obtained from the super- intendent of documents, Government Printing Office, Washington, D. €, The price is 25 cents. Semi-Detached Brick 523 Rittenhouse St. N.W. 5,950 8ix rooms and bath in an fdes location. ~Automatic hot-water h and Elec. Refrigerat'on. Weather- stripped. screens and awnings. Nice lot and detached garage. New- house condition. Terms. Open Today, Sunday and Week Days Until 9 P.M. Harry B. Pitts Co. 1015 15th St. N.W. Met. 0100 This Modern Wiliiamsb;r_cg Colonial Built on Your Lot in Nearby Virginia or Maryland for $4 475 Basement, Hot-Water Heat. Hardwood Floors. Tiled Bath One of the Home Bargains of the Year Small down payment. balance $40 per month House usually sells with lot for $7.500 to $8.500 Open Saturday until 5 p.m.—Sunday. 1 to 5 p.m. o~ Call week days after Open Evenings to 9 P.M. Our Service to Builders Is Nationally Known STANDARD HOMES COMPANY Colorado Building Washington. D. C. eannot blithely pass over the dangers | in reforming garden practice, A very | of inflation.” ‘Xnteresring bu:llzgnxsu Just bee]n ls; More Attention to Lending. | sued by the Rhode Island Agricultural The speaker said that more atten- >§1xp€flvln;ml u:uuon.‘ at K;ngg;pnl R., tion has been paid to mortgage lend- | = % U B T EEEeS Of AIRA | ing, especially on residential prop- | Mental shrubs an ""W“}KI‘S' EWi erties, during the last four years than | '*'® ‘,’k;"‘"““y Lnjured by, hea vyt | at any time in previous history. e “In that sphere our building and Flewer Improvement. foan associations occupy a unique GMNcmG backward over & de“de\ position,” he stated. “We are the or so, one is really astounded at | . only lending ihstitutions in this coun- the.remnrklble improvement in many | try practically all of whose business | flowers, not only u:,e roses, dahlias, or financial policy has been 5o clearly | Badiolus and firis, but also in the set apart as & sound home fiiancing | MOre humble ' species, such as the R No need of a palace, to live like a king. A cottage will do ... If you let oil do your heating. Your home will always be snug end warm, with never a thought from you. You'll save the thousands IDEAL HOMES . . FOR THE MODERATE-SIZED FAM"-Y of steps that furnace tending brings, and that sap your strength. instrument. The Government, when | Z00ia, marigold and nasturtium. | You'll woke—after sleeping all night in @ cool bedroom—with creating the Federal Home Loan Bank | When one considers the fact that sev / 413-421 Ingraham Street N.W, > | the house cozy and comfortable. Colonial Fuel Oil can do so Bystem, gave ge T sced produce | 2 FIRST much for so little—let it handle your heating for you. {p;exeren%; un‘;lollnterll € S0 this fype of loAn. Ll e 2 | trained breeders, future progress is W'NG L NATIONAL=WILLIAMS DIRECTIONS: Drire out 13th street to Ingraham, | ing firms now employ scientifically Owners' Loan Corp. decided that the | ehaiot o) e le e il One . 8 950 OIL-O-MATIC BOILER BURNER UNIT ’ . right on Ingraham “to 4th street and Homes. ! way to relieve a distressed home owner may well belleve that the gardens of BEALL & HOWARD, Inc. was first to place his home financing ; on the basis of the amortized loan, | 10 Years hence will contain types of Pvelusize Insurance—Real Estate—Loans Thence followed the Federal Housing Southern Bldg. NAtional 0271 Administration, prescribing the only type of loan which might be insured under that act to be the long-term, | Another New Brick Colonial Built by BIRON BROS. These modern f-roo; homes are equipped wood-burning fireplaces. extra large kitchen and dining room, automatic gas hot water heater. detached garage. spacious back- yard. and attractive recreation Toom. Inspect today. m. 2-bath with real EXHIBIT INGRAHAM STREET = Open Sat. and Sundays 10 AM. to 9 P.M. Guaranteed by NATIONAL RADIATOR CORP. . WILLIAMS OIL-O-MATIC HEATING CORP. . COLONIAL FUEL OIL, INC. Week Days—2 to 9 P.M. Stove Parts Boilers, Furnaces, Stoves Capitol Rock Wool Insulatioa Air-Conditioning Furnaces Fries,Beall & Sharp 734 10th St. N.W. Nat. 1964 monthly repayment kind of obliga- tion, with a few variations, the same as we have been using for 105 years.” grows healthy flowers FLORIS — the new scientifically prepared liquid fertilizer will help you have success indoors with the flowers you prefer—blossoms—fra- grance—color—a varied and inter- esting indoor garden. It is a com- plete, balanced fertilizer and its action is positive and prompt. Will mot over stimulate. One teaspoonful or bottle eap to an average plant, mixed with or fol- lowed by a pint of water. Economical because there is no waste. Every drop identical and fully effective. Convenient—Carefully Blended—Completely Soluble FLORIS CHEMICAL COMPANY, Inc. - BRENTWOOD, MD. ‘vr saie 2\ Grug stores, acpartment stores, florists and garden supply stores generally throughout the city. ®Note to Deal Phone MEtropolitan 4370 for Supply LOOK FOR THE HOME THAT INSURES Use FLORIS No. 1 for Geraniums, Begonias, Cacti, Primroses, Cycla mens, Azaleas, Garden ias, Flowering Bulbs (Hyacinths, Daffodils, Tulips, etc.). Use FLORIS No 2 for Ferns, Palms, Rubber Plants, Aspidist-a, Bou- string Hemp, Foliage Begonias, Coleus, Dra cena. Berlin Saturdays. Saturday is to_be known in Berlin #s “State Youth day,” when lessons on *national socialist (Nazi) ideology” will be given in the schools. Lgents b Especially made to bdrn small quantities of oil required for homes. The newest thing out, it has everything. Styled by Lurelle Guild, famous designer, this unit, with its streamlined red baked enamel jacket, black base, aluminum trim, permits you to have a basement recrea- tion room. The steel boiler (mode by a leading manufac- turer), the famed burner, oll controls, are shipped assembled within the jacket. Installa= tion is easy and quick. Built-in coils provide domestic hot water. Cost? So low it will surprise you! - NEW CHEVY CHASE BUNGALOWS — ONLY $6,950 — Biggest Bargain Ever Offered in Chevy Chase Section Cor. Taylor & Summit Sts. N.W. 2 Squares East Brook Tea House $58.75 Monthly Payments Include Interest and Taxes Offered for first time—Come out and see the prettiest bunga- lows ever offered at this price. They have large lots—oil heat —beautiful baths—hardwood floors—modern electric kitchens. Electric s 820 L Range HEAUH M and Clock Drive out Conn. Ave. or Brookville Road past Chevy Chase Circle to Taylor Street, thence east past Brook Tea House 2 squares to houses. If You Can’t Rent—Why Not Buy? General Electric Refrigerator 1709 DE SALES STREET METROPOLITAN 1814 COLONIAL FUEL OIL, INC. 1709 DE SALES ST. N.W. I’m tired of furnace dirt and drudgery. | want full details about the new National-Williams Oil-O-Matic Boiler Burner Unit. 1428 JUNIPER STREET Overlooking Rock Creek Park - A beautiful, modern home—3 large bedrooms and 3 beauti- ful - baths—finished third floor—2 fireplaces—library and lavatory on first floor—recreation room—oil burner—screened porch—large lot—2-car garage—perfect location. tlaas er Trade HEATH HOME DI 3100 Open Daily 9 AM. to 9 P.M. BEITZELL | Come Out Any Evening or Sunday HOWENSTEIN REALTY CORP. 1406 H St. N.W. DIST. 7877