Evening Star Newspaper, July 4, 1936, Page 24

Cc—4 RE 1,118 U. 3. SAVINGS UNITS NOW AGTIVE Three-Year Period Finds In- stitutions Operating in 44 States. Just three years to the day after they were first authorized by Congress as a model type of the familiar build- ing and loan association, 1,118 Federal savings and loan associations were 1n operation in 44 States on June 13. They were designed to afford in- ereased protection to the public's sav- ings and to lower the cost of home loans by augmenting the volume of funds available for home financing in districts where local funds were inadequate. Existing building and loan units were authorized to apply for conversion into Federal savings and loan associations if they chose to do so. Of the present 1,118 Federal asso- ciations, 631 were organized since June 1933, and 487 represent old-established State-chartered associations that have adopted Federal charter. Many of the latter are the leading home- financing institutions in their com- munities. Indicating their importance, the total resources of these associa- tions, both new and converted, amount to $618,161,783. Their shareholders number over 600,000 persons. More Counties Served. In June, 1933, only 1,518 of the | 3,072 counties in the United States were served by local home-lending institutions. Today, through the en- couragement offered to citizens to form Federal associations, more than 2,800 counties are served by local mortgage institutions. The remaining counties are chiefly in the sparsely settled regions. The chief incentives to federaliza- tion have been the value of the Fed- eral charter in regaining public confi- dence, the advantages of Federal supervision, the uniformity of policies and practices, and the various safe- guards previded for both investors and borrowers. All Federal associa- tions. of course, remain privately managed mutual groups. Lending on reasonable terms by Federal associations has been a strong factor in the resumption of home finance by private financing institu- tions and in the present Nation-wide revival of residential building. On May 31, 1936, 1,006 reporting Federal associations held a total of $404,721,~ 811 in outstanding mortgage loans. For the first five months of 1936 loans by Federal associations were distributed as follows; For new home construction, 29 per cent; for re- conditioning, 6.6 per cent; for pur- chase of homes, 22.2 per cent; for refinancing maturing mortgages, 33 per cent, and for other mortgages, 9.2 per cent. Benefits to Communities Cited. Benefits to their communities cited | for Federal associations fall into two classes: (1) for the investor—They offer types of investment suited to people of both small and large means. | Additional safeguards, including in- surance of investments up to $5,000 for each account through the Federal Savings and Loan Insurance Corp., which is compulsory for Federal asso- ciations. Attractive dividends, | (2) For the borrower—Safer long- | term loans (up to 20 years) at| moderate and definite interest rates, and a minimum of incidental costs. Use by almost all Federal associations of the “direct reduction” logn, by | which each monthly paymeént is credited to principal and interest, constantly reducing the balance due; | economical and convenient for the borrower, permitting him to pay off his debt by definite monthly payments in a definite period of time. The numerous safeguards surround- ings their operation are attracting a new flow of money to these local associations, expanding their capacity | for loans in their areas. Federal as- sociations, as well as other qualified institutions of this type, have received investments of Government funds to expand their lending resources where needed. All Federal assoclations are members of the Federal Home Loan Bank System, the reserve credit struc- ture for thrift and home-financing institutions. “MY HOME” TO BE READY BY END OF NEXT MONTH Extensive Brickwork Nearly Com- pleted—Many Visit Wester- - leigh Building. ‘The extensive brickwork was prac- tically completed today on “my home for 1936,” unique model home spon- sored here by W. C. and A. N. Mifler, realtors and builders, as construction sped toward completion of the home by the end of next month. With the masonry up and roof rafters in place, the home selected by ‘Washington in its most unusual house design competition began to give a clearer picture of the dignity and ;:h:rm to be contained in the finished job. As the home gradually has taken shape on the large wooded lot at Forty-ninth and Upton streets in the * Westerleigh section of Wesley Heights, more and more visitors have turned out to inspect the progress of con- struction of the home they chose by popular vote over the 400 competing - home ideas submitted by local lay- - men designers, in the first contest of L ESTATE New home of Mr. and Mrs. Harry Diamond, at 3226 sold by the firm of Korzendorfer & Brooks, Inc. Northampton street, designed, built and —Star Staff Photo. A A Ko, o bins. Nature’s_ This new home at 4601 Forty-fifth street, Homeland, has been purchased from the Cafritz Co. by Mr. and Mrs. M. Rob- The house contains siz rooms and two baths. ~—Star Staff Photo. Children BY LILLIAN COX ATHEY. OW that wild life has at last brought to the attention of its affairs that exists, we may even look forward to a time when we | can enter the woods and feel fairly | certain we can, at least, see the flash | of a white-tailed deer as it jumps over | a fallen tree. It is by their tails that you know deer, for they are most distinctive. These flags are used for wigwagging | to their young and to each other. No | matter how dark the night, you can catch the gleam of the snowy lining of the tail as it is held aloft by the speeding animal. The whitetail's range is from the Atlantic seaboard to the Great Plains | and from the Gulf to about 43 degrees | north. It had its blackest year about | 1890. Today there is a satisfactory | gain and, since legal protection has been procured for them, they are again the most widely distributed game animal in America. There is usually one fawn each year, sometimes twins. Even with only one child some years, and twins once every two or three years, a doe and her offspring will in 10 years pro- duce from 130 to 135 fawns. You can see, with protection, how quickly these ' animals will regain their former number. Deer are not rovers. There is absolute proof to show they prefer to be homebodies and four or five miles is the limit of their traveling. Fifty yards seem to be all they need, if there are water and food close by. Whitetails love the woods and thickets. They are apparently de- lighted to find an open space where they can enjoy the sun. With water this kind staged here. This home offers all the modern possibilities, incliding those which will make it modern for years to come. Rooms are large. close by, these gentle creatures are A LOVELY NEW HOME 1443 Locust Road, N.W. JUST OFF SIXTEENTH STREET The wall Virginia Deer and virginianus). Fawn (Odocoileus To think that we come uj perfectly happy. might, a few years hence, their efforts to acquire the high jump with speed and ease, is a picture that can be materialized, if we pull together for its accomplishment. Whitetails are easy to tame. They love to be near civilization and they are likely to help themselves to cul- tivated crops, unless given to under- stand they must keep out of the gar- | den. Where the deer sleep can easily | be seen, for the bed is a smooth, hol- | low place, well protected from view | by thick undergrowth. Apparently they do not care to get up early in the morning, either. Those well acquainted with their ways | say: “They begin first by stretching, | then they wiggle their tails, stick dut‘ their hind legs and with a sort of | groan finally get up.” Through the Winter members of the | family -are together. As soon as the | cold weather breaks up, the older | bucks stalk away. The family seems | delighted to exchange Winter diet of twigs, moss, evergreens and dry grass | for the fresh, succulent, green vege- | tation. The fur of their Spring coats | becomes glossy, their old ones are en- | tirely gone. In May the mothers go alone to| some secluded spot, where their baby | or babies are born. They are clever in selecting a place that defies de- tection, except by one well acquaint- ed with the ways of the Whitetails. If the mother is a young one, and she usually weds when she is 2 years old, she will have a single fawn. It is likely her next children will be twins. Orphaned babies are always EATIN CONTRACTORS & ENGINEERS 'E.J. FEBREY & CO. Est. 1808 ANY SIZE PLANT INSTALLED All other Heating Services. Work Guaranteed. adopted by other mothers, who soon learn of the baby's plight. A fawn is the most obedient baby in the world. It will stay where its | mother nursed it and placed it among leaves, moss and brush, without mov- ing or batting an eye, should danger seem close. The precious little in- |fants have no odor to attract en- | emies. You must almost step on them before you know they are in your vicinity. When a month old, the youngsters are in the open with their mother. Their rich brown coats have pure white spots, protective colora- tion to a high degree. By September their spots are all gone, but they stick close to mother for one more year. (Copyright. 1936.) COPPER UNIT SEES BUILDING INCREASE Long-Hoped-for Activity Is Re- ported by Research Asso- ciation. Speclal Dispatch to The Star. NEW YORK, N. Y, July 4—“With | | the long-awaited and hoped-for build- ing activity now inaugurated, the " |sound of hammer and saw can be | | heard from the Atlantic to the Pacific |and from the Great Lakes to the Gulf,” said Bertram B. Caddle, secre- | tary of the Copper and Brass Research | Association of New York, in a recent statement. “Present indications are that the | tonnage of copper and its many alloys | consumed by the building industry | | will be far greater during 1936 than any year since 1929. All records for :. pair of deer boxing, or their fawns | the manufacture and sale of copper destroyers the pitiful state of | gamboling over the low brush in |tubing with solder fittings for water lines will unquestionably be broken. | “Manufacturers of products using | copper and its alloys are also increas- | ing their output because of increased public buying. This is resulting in heavy sales of copper and its alloys in many different forms. Next to the electrical, the automobile industry is the largest consumer of copper. This | industry continues to be in the market for larger tonnages. Next comes the | building field. If a quarter of a mil- lion of the million housing units which | this country requires are built this | year, the use of copper and its alloys will be far greater than was antici- pated at the beginning of 1936.” Hitting the . Mark of Superior Construction in Homes, with a Bull's-Eye of Real VALUE! 1328 Webster St. N.E. Near Catholic Univ “Better-Built” by Paul T. kitchen: place: attached garage with overhead doors. Furred walis, copper pipes throughout. rock wool and aluminum insulation and large landscaped lot to paved alley and street, are among the many other attractive features. Draped by Ligon—rugs by Manoukian Bros. Near " Catholic _University, schools and transportation. Open Daily & Sunday Till 9 P.M. To inspect, drive out Michigan Ave. lg 1 N.E.. then lejt Ral; For Sale by C. D. KELLEY CALL NATIONAL 8680 Never Again Will Restricted Country Club Grove Offer Such a Beautiful Center-Hall 1106 Vermont Ave. N.W. Telephone Distriet 7821 4-Bedroom, 2-Bath Home at such a low price $9.950 Come out D. C. SATURDAY, NEW FINANCING BYF.H.A. GROWS Construction Volume Ex- ceeds Refinancing Oper- ations in 4 States. In four States in widely separated sections of the country the volume of new construction financed under the insured mortgage system of the Fed- erai Housing Administration exceeds the volume of refinancing mortgages on existing homes, it was revealed today. Florida heads the list, with 63 per cent of the commitments of the Hous- ing Administration to insure mort- gages being to finance construction of new homes and only 37 per cent to refinance the debts on existing homes. New York is second with 57 ®per cent for new construction and 43 per cent for refinancing, Wisconsin third with 54 per cent for new construction and 46 per cent for refinancing, Idaho | fourth with 53 per cent for new con- stuction and 47 per cent for re- financing. Eight Above Average. Eight other States are ranging above the average for the country as a whole, which is around 35 per cent for new construction and 65 per cent for refinancing. are each; Mississippi, 46 per cent; North Carolina, 45 per cent; New Mexico, 44 per cent; Michigan, 42 per cent; California, 40 per cent, and New Jer- sey, 39 per cent. Other States held at or slightly be- low the general average. In most of the foregoing States the population increase in the 20s was substantial and, according to Federal Housing Admin- istration officials, this probably ac- counts for the high percentages of new -construction, since the shortage of houses is more rapidly apparent in these States in this early phase of the revival of home building. Residential Building. Just how accurately these figures measure the trend of construction the figures of the Department of La- bor's Bureau of Labor Statsitics. Among the States most active in resi- dential building during April were California, Texas, New York, New Jer- sey, Wisconsin, Michigan and Florida. Fifty-three of the 97 cities in which residential building permits exceeded $100,000 for Aprli are located in the States which show the highest per- centage for new construction in com- mitments to insure mortgages by the Federal Housing Administration. The leading States and the dollar volume of mortgages accepted for new construction by the Federal Housing Administration through May 31, 1936, are: California, $16,261,912; New Jer- sey, $9,936,814; New York, $9,129,165; Ohio, $6,499,929; Michigan, $6,250,160; Texas, $5347,298; Pennsylvania, $4.- 200,656; Illinois, $3,777,385; Missouri, $3,529,240; Florida, $3,465.412: Wis- consin, $3.084,036, and Virginia, $2 307,380. Washington, D. C., is listed with $2,225,300. Ireland to Balance Budget. The Irish Free State expects to bal- ance its budget this year. These States and | their percentages for new construction | dmnecucut and Texas, 47 per eent | throughout the country is shown by | Foots are about one-fourth inch long, i should be cultivated from time to time | to keep the soil in good condition for JULY 4, 1936. BY J. W. WELLINGTON. THE following information, taken from Circular 191 of the Missouri Agricultural Experiment Station, con- tains some interesting and valuable information on increasing rose plants: “Most of the common garden types of roses are easily grown from either hard or softwood cuttings. For soft- wood cuttings, a large percentage will root readily it the wood is taken from a flowering shoot. Generally the wood i9 in the best condition for cutting from the time the flower buds show color until the petals fall. - “The cuttings are made about three or four inches long. They are trimmed to leave one joint or node at the bottom and two above. All but two small leaflets nearest the top are cut off. For growing the rose cut- tings, clean, sharp, medium coarse sand is best. If only & few cuttings are to be made, a box about four inches deep will be satisfactory. Holes or cracks in the bottom of the box should give water drainage. “It is well to place in the bottom | of the box crushed rocks or cindersto a depth of about two inches. Tien place about two inches of sand on this and thoroughly water it. It is im- ) portant that the sand be very firmly tamped. If the sand is fairly coarse, two or more tampings may be needed, as cuttings will not root in loose sand. “In planting the cuttings, a nar- row slit about one and one-half to two inches deep is made in the sand with an old knife. The cuttings are inserted up to the lower leaf and are placed one and one-half to two inches apart in the row. The sand is then pressed firmly about the cutting. | “The planting box should then be | shaded until the plants start root | growth. Unbleached muslin is very | good for shading a planting bed. The sand should never be allowed to be-| | come dry. In most cases the bed will need sprinkling with clean water three | to four times a day for the first 7 to| 10 days. “In about three weeks the roots will begin to appear and the sand should be kept somewhat drier. When the the cuttings should be removed to soil. “A bed of rather light well-drained soil is usuaily best and for the first two weeks after planting, shading the bed is suggested. The soil in the bed the best growth of the plants. It is | important that young plants be care- | fully protected the first Winter.” | Bulbous Iris. AN INTERESTING bulletin, “The | Bulbous Iris and_Its Outdoor Culture in Massachusetts,” No. 330, | published by the Massachusetts Ex- | periment Station in April, gives valu- | able information on this group and | points out that these species are hardy {and satisfactory in Massachusetts and | could be grown with good results in | | home gardens. Essentially the culture is the same as for tulips—that is, in late September or about the first of | | October, the bulbs should be planted { in prepared soil at a depth of 4 to 5| inches and 6 to 12 inches apart. The | bulbs grow in the Autumn, many va- | ]neucs, sending up green, spear-like | shoots to a height of 5 or 6 inches be- | fore freezing. In July. after flowering | has ceased, the bulbs may be dug, | EW BEITZELL SHOWING Greatest New-Home Value With Features You Can‘t Find Elsewhere AT ONLY $8,450 IF YOU want real value you'll find it here. But y for your money . . . real construction . . . real features . . . real location . .. ou must act now ... 6 of these homes sold in 4 days . . . drive out today! Drive out Kan Are. or Ave. to Georgia Towet Gallatin Bidg. sas DIst. 3100 St then turn eas 20 ' Third. PROVE WHAT Owners Say “ COSTS LESS THAN GoAL” TEMPERED AIRE Our staff of sales engi in adapting GAR WOOD Automatic Oil Heating and Air Conditioning Systems to your specifications. Let us co-operate with you in the economical solution of your resi- neers is at your service REAL EST dried off and laid away In baskets or bags in the same manner as tulips or, Just as with tulips, the bulbs may be left in the soil over Summer. The paper presents descriptions of the bet- ter varieties and urges that home gar- deners try this beautiful group as they appear to give satisfaction wherever attempted. The Mallows. N LAST week's column something was said of the valu: of hollyhocks as & source of early Summer color in the garden. There are other relatives of the hollyhock that are capable of adding pleasure to Summer garden- ing. For instance the mallows and the aithea or rose of Sharon. The rose of Sharon is well-known but one sees much less of the mallows. The latter are herbaceous perennials, that is, the root lives on from year to year | but the tops are killed to the ground | each Fall like the peony. Mallows | are often seen in the wild along the | banks of sluggish streams and one | might easily conclude that they were | only suited to bogs. This is not & fact, | however, because plants taken from moist locations and replanted in ordi- | nary garden soil do very well and pre- sent a colorful display over a Iong‘ period in July and August. Better yet | to purchase named varieties from the | nurseryman for one can secure much | finer blooms in the improved kinds. Msllows have about the same color range as the hollyhock and rose of | Sharon, that is, mostly red, pink and white shades, Like many other native | plants, the mallows have few insect or | disease enemies of consequence, are | easily grown, and withstand unfavor- | able conditions that overcome intro- | duced species, Garden Notes. TRAV!LS into New England quickly show one why the Dutch elm dis- ease is so greatly dreaded in that area. The village streets of southern New England are almost universally lined with broad sweeping eims. Remove the elms and the countryside would look very much devastated and empty | ATE. for many y Those who remem- ber the rapidity with which the chest- nut was destroyed by disease some - years ago have been particularly alarmed by the rapid development of the elm disease, but there is consid- erable hope that the new disease may be suppressed before it has become such a widespread catastrophe. The manner of spread is different, the Dutch elm disease being carried by insects rather than windblown spores. Clay soils such as predominate in this locality, seem to dry out very rap- idly and really need frequent rains to keep them in good condition for plant growth. This situation is aggravated , wherever there are large trees which draw heavily on the soil moisture, In early Spring the trees are not a seri- ous factor, but in Summer when the moisture supply is low, the draught on water is serious. Thus it is that early Spring flowers, such as the bulbs and iris, are often the most choice in the entire year. Gardeners can help the situation by incorporating peat moss in the soll for the moss holds water that would leach into the lower grav- elly layers and be quickly lost. NEW BRICK ECONOMY HOMES 100% Modern 5 rooms, bath, ausomatic heat, furred walls, roof insu- loted, etc. $5,450 After a cash payment of $500 You Pay Only $47.50 Monthly which includes taxes 1702 Lang Place N.E. One block east of Bladensburg Rd. between L and Open Every Doy til 9 P.M. E. B. YOUNG 1625 West Virginia Ave. AT. 1231 Evenings, COl. 1906 A New Home in Westmoreland Hills Drastically reduced 4408 Western Ave. ! for immediate sale W. This all-brick home contains 6 large rooms and 2 tile baths Unusually attractive floor plan, kitchen with Electrolux: first-floor den in knotty pine: 3 lovely bed rooms. Gas heat with TRANE CLIMATE CHANGER. Brick garage. There is an attic, providing space for 2 additienal rooms if needed. BUILT BY SIMPSON-PEAK CO. OPEN DAILY AND SUNDAY Drive out at District line, - WILLIAM 927 15th St. N.W. WOODWARD 10™1I™F app G STRLETS Massachusetts Ave, Agent to Westmoreland Circle, Turn right on Western Ave. to homes. BOSWELL ME. 3033 & LOTHROP Puowe District 5300 Bettendorf Ol Burngr Automatic Make up your mind now that you do not have to go through another Winter of furnace and heating troubles. No more dusty, dirty ashes, shoveling heavy coal, frequent furnace tending and uncertain heating “’tied"”” to your cellar. Efficient, economical, conditions that keep you dependable Bettendorf Automatic Heat does away with all that— and costs so little to install and operate. See the new models on our Fifth Floor. We will make a thorough survey of the heating needs of your home. Have your Bettendorf installed now, ready for the first cold days and chillly nights. You will not have to begin pay- ing for it until you use it—payments bagin October 1st. Improved Model “G” Domestic $295 Type Bettendorf’s Bouyant Flame In Washington a home of similar quelity and equally location would cost $12,000! A lovely new detached home in Virginia’s smartest home development—completely restricted. 4 bedrooms, 2 tiled baths, 2 wood-burning fireplaces, 2 large porches, ' oné screened; knotty-pine recreation room, large closets, built-in garoge. 3824 N. Chesterbrook Rd. Open from 9 a.m. to 9 p.m. Virginia Gardens Development Corp. 1420 K 8t, N.W. NAtL 8949 The Bettendorf method of Flame Control has rendered obsolete tle rushing, roaring type of flame that forced a wasteful amount of precious heat up the chimney. coverings are not to be found elsewhere in Washington. First floor contains living room with fireplace, dining room, breskfast room, and de luxe kitchen and lavatory. Three grand bed rooms and two baths on second floor, also knotty pine paneled den. Ample closets. Floored attic. Paneled recreation room in basement. Built-in garage. Front and rear living porches. unday—inspect R ment, Trees. dential oil heating and air conditioning (TRICAL NAII !.C.GRANAM.PIE 1328-30 E a ; NAtional 6800 New York Ave. Telephone DlIstrict 5300 for further By the clock—only 15 minutes from downtown information (closer in than Chevy info Drive out Camal Open Daily and Sunday to 9 P.M. TS 15 AN &Ifll HEALTH HOME 853,40 51 oy, motern, sosnamiet J. M. Chesser, Inc. GEorgia 2248 Omn Burwers, Firre FLook. Breok exhibit home.