The evening world. Newspaper, November 23, 1912, Page 5

\ HOME BULDNG. | VEWED AS MATTER OF ECONOMY Secretary of State and| Metropolitan Leagues} of Savings and Loan Associations Tells How) They Offer Great Op- portunities to Wage- Earners Who Seek a Safe Place for Money. BY ARCHIBALL W. M'EWAN. ‘The housing problem ts « sertous @atter for men and women of moderate eens, especially to thousands who live fm congested sections of Manhattan. Many persons in the early stages of married life have a @iinds’ of & house and grounds in the Jeee poplated boroughs, where the chil- @ren can have plenty of room to play nd grow up amid healthful environ- ments. New problems develop, the ob- ‘etacles look larger each succeeding year, j@nd ninety-nine in a hundred never get | @nywhere in this direction. After a life- | time, they have nothing to show in t! way of a real home. Whereas three- fourths of the rent money could just as well be in their pockets, so to speak, as {t would have paid for a home. Savings and joan associations in this State, or dullding and loan associations ‘as they are called in New Jersey, have excellent plans to offer in the way of owning homes. They aro the only in- atitutions controlled by the Banking De- Dartment of thie Stato that can lend Meney up to eighty per cent. of an ap- Praleed valuation—in other words, if oer house costs $5,000, a savings and Association, under the law, can! you $4,009 on it. The reason for Privilege ts that these savings and Yoan assoctation mortgages are being bald Of in weekly or monthly install- ents, and tho plan will pay a mort-| Sage off in twelve years, so that the} frome ts then free and clear. Other) mortgages call for interest payments; every six months, and reduction of the pPrincipal:is not gencratly the rule. Savings and joan associations do not buy oF build houses; they lend money on fret inortages on improved real eatate. Occasionally money nas deen Aoaned on unimproved property, but no Sasociatton can have more than fifteen Per cent. of its assets in this class of | Ten! estate—n fact, wisely managed eesoctations will not listen to unim- Proved real estate applications. In sev. ral associations in the yreater city it is now possible for a person with a few unéred dollars to. arrange bis wontily PayMents in many wayt as the hur and-fast lines of the olt bullding aud Joan system have been el!intnated ‘seMowt-RaWoctations follow tio plan ot MO monthly on each $1,000 burrowed. Vive dollars of this amoun: ts Bt 6 per cont. per annum, Teduce the mortgage. 1 the accumulated reduction amc $2, and asthe money ts earning 1: 4m the mean time, equated oa a # Yank bas!y it a UNS to $1,000, fads the $1,000 pa: % ‘Bage means p apd so on, one a ty Des o@ the mortgage and cance!!iag bout twelve years. “Jt js evident that a min who pay. BS, $0 or more rent every month can @wn ht home if he makes up sia mia to tt Thousands of persons here in the metropokt New Jersey have nomes throug’ the savi and loan associations, money to bewin with, clations were the only them. The large financia! « lending duatitutions would no’ money for various reasons, It should always be Kept in mind that savings and loan agsociations are Co partnership institutions with no pre- ferred stockholders. Nine-tenths of ite associations are operated from a gerd citizenship standpoint. They are ivory economically® conducted than otaer financial institutions Lecanse most of the boards of management feel that taey fare promoting seli-respect througn the ownership of homes and incutcaung habits of thrift and will not take pay for their services. On this latter pasa— thrift—the associations weicom: deposits of even $2 4 month, and every depositor has @ voice In the management of 913 institution. ‘A savings and loan association caa siways pay $% and 5 per cent. divide. year after year with perfect safety 3 continue to add to its reserve, wh under tho law must be 5 per cent. of tha assets. ‘The person who has a savings and loan mortgage is free to pay It oft uny time he desires, He has complete con: trol over it, a# long as he lives up to his contract, Formerly, many persons paid off thelr mortgages to associations after a few years and transferred them to other institutions, where only interest was demanded. This ls not done to Great extent these days, as many as- eociations wil! adjust payments to meet a borrower's wi The savings and loan association mortgage never neces to be renewed—lt stands indefinitely, and not a few men are willing to pay ene-half per cent. unore for such money, hecause they do not worry about re- inne te considerable brotherhood-of- man feeling running through the man- agement of theae associations, In the firet place, an applicant for a loan the ‘age association must show evi- dences of being “straight.” He is likely to be refused if his reputation Is below par. If, after a few years, troubles come, the association helps him in every way possible without detriment to the interests of t'> other stockholders. The savings and loan association does not want to foreclone his property, and thin ja never done until every alternative is exhausted. Finally, the man or woman of smal! means who wants to get ahead, either through saving a few dollars or by owning @ house, should Investigate the savings and loan plan. It !s mutual, vier te invested, if he so desires. associations are subject to the same igwa ag State banks and trust com- panies in the matter of State exam- nations }ago Joe and I put on wha You know about that. | laughs. tan, ‘‘It Is Easier to Make New Yorkers Laugh To-Day TBE SVENILNGE WURLY, BALUBVAL, NYVUVEMBER 420, AVLas. FRA’ sa picture in thetr|**American Public Ie a Darned Good Sort of Fel- 3 “Audiences Expect More,” Is Joe’s Opinion; ‘New, York’s Forgiving,’ low,”” Lew Decid Says Frank Daniels; Amused,” from ne} BY CHARLES DARNTON. EEING New York is a great sight, but seeing New York; laugh is a greater one. To wee it hurrying along in the daytime with its wet face and its strained look, you'd hardly belleve it capable of even cracking a smile. But oh, what a difference In the evening! All it meeds is a chance to laugh. This chance was offered again Thursday night, when Weber and Fields remembered their duty to the town by opening a new music hall But what about: the town? Does it laugh as easily as it did in the old days, when Broad- way and Twenty-ninth street marked the end of a dull world? “T think it does,” said Lew Fields with a freshly-creased smile. ‘To co back stilt further, I doubt if the abil- tty to laugh has changed at all since Columbus discovered America. On this particular point I cannot, of course, speak with authority, but I have my convictions, So far as I can judge, the great American public, with its equally great sense of humor, is the same in 1912 as !t was in the early elghties when Joe and I discovered ourselves, A JOKE 18 A JOKE, A LAUGH'S A LAUGH, “A joke ts a joke; a funny situation is a funny situation; a laugh is a laugh---and all these appeal to all ages, and, for that matter, to all sections of the country. Sometimes I_ think people would rather laugh at old jokes with which they are familiar than at new ones. Certainty, old Jokes in new dress are often recelved more warmly than new ones fresh from the fac- To be sure, we're always looking new material, and when we put) anything that !s really good the taughs just as it always has ed. a over publi laugh ¥ twenty years has since become more or less famous as the pool table scene. People talk about it to this day, But 1 doubt whether they laughed any more heartily at that plece of foolishness than they are laughing now at our ‘fishing scene’ tn ‘Roly Pol “In fact, the public a bit, so far as I can see, It wants to} be amused, and ff it is amused {: New York 1s always ready to, laugh. In some cities the audiences seem fo dare you to make them laugh. I sometimes think they are under thr impression that you take them for & lot of hayseeds and are trying to hance them goldbricks, and for that reason perhapy, they sit tight and assum- an expression that seems to & ‘You can't fool ue even if we do live In this Jay town! AMERICAN PUBLIC !8 A DARNED GOOD FELLOW. ut that Is only my impresston, and {t's not a very strong one at that, for the American public is very much ative wherever you find it, ready to laugh at anything good, and equally revdy to forgive that which ts bad. ‘Taken all in| the American public Is a pretty darned good sort of fellow.” There's nothing like variety! “It's a goot deal harder audiences nowadays than It wi old dayn,” declared Joo Weber, “Years ago they didn't expect so much as they do now. And no matter where you ga An audience {s an audience, In or out of New York audiences are human beings, and if anything strikes them ae being funny they naturally laugh. We find we have to go direct to nature for our comedy situations—that is, we see things in real Ife and then put them on the | stage with the necessary examgeration. | ‘There ia more rivalry to-day than there} was when we established the old muste | ‘hall, but that really doesn't matter, for | people will laugh at funny situations and lines just as heartily to-day as they did twenty years ago.” Rising to his full height, above Mr. Weber more or less contradictory statements, Frank Daniela delivered himself thus: “My experience goes back a quarter] of @ century, and I can truthfully say that I much prefer a New York audi- ence to any other because tt te more— please mark the word!—torsiving. won't say it is more appreeiat! for this may not be true, But It.is more easily satiafied. NEW YORKER FORGETS SHOW WENT WRONG. “If anything goes wrong with instance, some doesn’t change | to please in the { iF) the drink—amd forgeta all about it, On the | other hand'’—an appropriate sture | went with these words—"your provincial | is more than likely te walk thoughtfully ’ escheat ieieatinamsiatins er |r such thing as a Now York audience fe tr Perhaps that's why asked if fat people laugh more | ' than thin folks, and I think T can truthfully say that they do. I ‘Don’t Drug Yourself! ‘Than It Was Away Back Twenty Years Ago.’?’—w res. NK AMIELS “People Are Easily Marie Dressler. to his home and there, for a week or More, brood over hiy unwise expenili- ture of money, “But, getting down to cases, there is —that is, one made up of New Yorkers exclusively, Fifty per cent. of the People in a theatre here are visitors. Happily, however, they are New York- ers for the moment, because they be- come imbued with the New York spirit while they are here. Therefore they laugh without undue physical exerciss | and smooth the way for the actor wiio/ ying his darndest fo lead them along ant paths. ‘Only a few nights ago T met a friend from the Middle West who had paid a| large price to sce a show that wasn't ‘worth seeing. ‘I certainly got buncoed,’ he laughed, ‘but what do I care? ‘Sup- pose you had paid the same price for the same show fn » own tow asked, ‘what Would you have done?’ ‘I should have written an indignant letter to the editor of my paper,' he answered. New York audiences are always ready to laugh at the ex- pense—and other things. With them it's the laugh that counts.” IT 18 EASIER, SAYS MARIE DRESSLER. Intrusting her ferocious furs to an animal trainer, Miss Marie Dressler sprang Nghtly into the symposium. “You Kknow—or perhaps you don't know,""—she began, “that it's far easier to make people laugh to-day than It was, say twenty years ago. Oh, yes, believe me! Times have become so atrenttous that opportunities for laugh- ter are more Infrequent than they were, fo to speak. In case I do not make myself plain—and that's no joke!—my theory ts that a generation ago people had more time on thelr hands than they have now, And so I'm convinced | that it is easier to amuse theatre pa-/ trons to-day than it has ever been be-| fore because they need amusement and are looking for it. Perhaps there's an- 4 that Is that the pub-/ is more intelligent than it ever was) fore. If I talk Hike a highbrow, please | remember that I am wearing my own| hatr. “To | t down to solid facts, I've of-| have found that one fat person laughing | sincerely will affect every one in the | immediate vicinity and often in the outlying districts. | AND NOW WE HAVE THE REAL | SECRET! “But the real secret of getting a| laugh les in forgetting yourself. The | only way to do this is to make pé@ople | feel that you are trying to please them. | T have ays tried to realize that It is | the public that 1s paying for work | and not my manager. So, even when | 1am bumped around and jarred from | my head to my heels, [ try to make the people out in front believe that I am thoroughly enjoying myself. “I'm not the least bit sensitive about | making myself look ridiculous or ugly. | It's my bread and butter. of the charges f. restaurants I tr, make people bell Mf, That's honeat laugh AEE Oe TO REMOVE LEE’S BODY. jarry’ Wil But In spite bread and butter Inj} as I ald before, to ve Tam enjoying he only way to earn an hath | vey Braban, Elwyn Eaton, Edward McK1y, Robert Vivian, ner and Margaret Ca’ oe | Beginning a week f dey morning performances of White” will be given at the Litt atre, The curtain will rise at Ii “Phe Woman,” with David original company, comes to the Grand Amelia Gard- pel. » to-day Satur. | “Snow in "A Butterfy Wheel” at the West End Theatre, | The stock company at the Hartom Opera House will present “The Fortune Hunter. f “Beauty, Youth ‘and feen at the Columbia Rose Sydell brings her “London Belle to the Murray Hill Theatre. | The Hehinan Show will be the attrac. tlon at Hurtig & Seamon’s. “The Bon Ton Girls’ come to the Otympte. “The Bohemian Burlesquers’ will be be seen LEW FIELDS will be Folly" at Miner's Highth Avenue Theatre. | i VAUDEVILLE ATTRACTIONS, | If you are losing At Hammerstein's will be Willa pene t Wakefleid, with story-songe; Mike Dor e « iin and Tom Lewis their baseball | Wyvet ht. are thin pale | skit; Bd. F. Reynard, vontriloguiat; Wil- weignt, bur Mack and Nella Walk Cox, Dalay James Thoraton and others. | At the Colonial the chief feature will be a one-act play, “The Drums of Oude,” which has been staged by David Belasco. The bili will also include 1D! by Beli in “It Happened in Topeka. Lee White and George Perry in songs, Harcourt, and run down—you are in danger. Father John’s Medicine will build new flesh andstrength don and Marx, German comedians, and | the Lanwdons. Thomas A, Wise in a tabloid veraton of “A Gentleman from Mississippi," will head the bill at the Alhambr \ muse 1@utBi id gets up when the sun gets, The company includes George W. Monroe, | Will be Pat Rooney and Mark f I 4 bod ‘ Harry Fisher, Bessie. Wynn, Ann| their singing and dancing ac or you. tisa iy Tasker, Maude Gray, Nan Brennan,| Tempest in a akit, Maud Lambert 0 Nat Fields and Denman Maley. and Ernest Ball, and Stuart # ! . . At the Bronx’ Theatre Victor Moore and Emma Littlefield will present their comedy sketch and William Rock and | Maude Fulton will make thelr final ap- Poarance together, Others on the bill |Inolude Bert Levy, Harry Fox and the Millership Sisters, and the Frey Twinn. At Proctor'n Fifth Avenue Theatre firat place will ba given “Madame,” an ‘opera singer who is taking a dip into | yaudeville Incognito. Among others will be Master Gabriel, Hart and Johnson, colored comedians the Chadwick ‘Trio. At the One Hundred and Twenty- builder and strength giver. It is safe for chil- dren, too, because it does not contain al- Annie Russell's Old Pnalish Comedy company at the Thirty-ninth Street Theatre, will present or the coming fortnight Shakespeare's “Much Ado About Nothing.” Miss Russell will be seen as Beatrice, Frank Reicher as Benedict, John Westley as Claudio, Jeorge Giddens Dogberry, Percy Lyndal as Don Pedro, W. Mayne Lynton as Don John, Rose Bender as Hero and Fred Permain as Leonato, | oe 8 joven if only for protection, Among] Maurice Hlvey, @ atage director of | Afth oR ecite pescuine comes Hatta, Wika HAMasES DOCTliC, GhIIG tren hen, decainy al amen At Proctor's Fifty-eight Street Theatre erne, William Sampson, DeWitt C. | . has arranged a apectal c : coh Jennings, Orlando Di Katherine | ation whic arr that maye” and Bromere ina comedy Meeten 0 matinee which w Friday. © plays, @ given at that The bIM will “The Poetasters will head the bill. third Street Theatre Yates will lead with Milea from Broadway. ‘Tho bil at the American Theatre will include Jullet Wood, Mile. De La Valle ‘and company, Monroe and Mack, WIll- ams and Weston, the Etght Madcape, Harry Mayo, Redway and Lawzence and “Paris B: it At Proctor’s Twenty. ‘ampbell and ‘wo Hundred len Orr Daly. Browne Decker and I playhouse on consist of of Ispahan,' act py Cliffe Father John’s Medicine cures colds and throat and lung troubles. 50 Years in use. ew Fields's latest musical spectacle, The Sun Dodgers,” will be brought to the Broadway Theatre on Wednesday night. The book was written by Smith and the lyrics and mus}. etz and A, Baldwin Sloan d Bax, and “Beauty and, hitherto unproduced | two-act “Interlude of the French Re: olution” by Booth Tarkington. ee: INANEW COMEDY, "THE PAPER CHASE’ by Louts Parker, The set in pre-revolutionary V “A Rich Man's Son” moves to the iy Nish takes its name from a coterie} park ‘iheatre on Monday night. On| Valerie Rergere and Joa Welch wilt of gay young men who spend. thelr ening “Our Wives” will be share headline honors at Keith's Union nights in plea to sleep in} time, Thi munity it impossiite « the day- e established a com- Long Islind which they Sunless Cit Here every bea when the sun rin from Wallack’s to the Square Theatre, Others on the bill will bo, Winsor McKay, cartoonist; Dave Genero and Ray Halley in thelr musical akit, Middleton and Spelimyer in “A Texas Wooing,” Charles Weber and Bissett and Scott tn a dancing specialty ME. SIMONE comes to Wallack's Kellerd will contimte to be “Hamlet” at the Garden The- His company tnclules Charles venson, Theodore Roberts, Har- John I seen in atre. A. St » and the action concerns the court intrigues REAL ESTATE FOR SALE— REAL ESTATE FOR SALE— REAL ESTATE FOR SALE— REAL ESTATE FOR SALE. that pre I the fall of Louis XVI. ‘ (QUEEN: _ QUEENS. QUEENS. QUEENS. and Me queen, While few ot tna | oo ae Ye cr Ne | mR characters bear names fap ee historian, Mr, Parker disclaims historical basis for his play. His any story is founded upou the novel by Henry Mountjoy, entitled “Tho Minister of Police.” Madame Simo AN APPEAL TO REASON!! WHICH WOULD YOU RATHER OWN? of the Baroness Bettina von Shoenberg, | @ beautiful young friend of Marle Antoinette, who has followed her queen from Vienna in an endeavor to extricate her from the network of Intrigue that the hostile faction at the Fi jirver wits “dul Ceca ll A LOT IN THE VAN CORTLANDT A LOT IN THE 4th WARD Pedro de Cordoba and others. 8 8 A comedy by Augustus Thomas culled “Mere Man" will be presented at the Harris Theatre on Monday night. The scene of the play 1s Yonkers. has to do with @ district attorne and hls wife who are at varience over | the question of women's rigat to vote. The attorney contends that man should Sovern, because force 1s essential. Em- Ployees of the gas works are on strike, | and when the town {s plunged Into darkness acts of violence are committed, | The suffrage wife, her domineering aunt, and a woman astrolo | the wife's father, a pliysic find they are in’ danger, dinit_ that after all, man PARK SECTION, BOROUGH BRONX, NEW YORKCITY, COSTING §2,5 OR SECTION, BOROUGH OF QUEENS, NEW YORK CITY, COSTING $500 A FAIR COMPARISON: stor: BRONX Time from City Hall........1 hour 5 minutes Time from Herald Square........55 minutes QUEENS Time from City Hall..............35 minutes Time from Herald Square..........26 minutes Improvements made without cost to the buyer. The buyer pays for all improvements to be mad: 4 First payment, $10 cash; $5.00 monthly. No interest charged. From 1903 to 1911 there was constructed in the Borough of Queens 32,924 new buildings. What about this? The possibility of future growth, develop- ment and increase in value is greatly aided and augmented by the very reasonable time con- First payment 30%, cash, balance within 3 years. 5% interest charged. From 1903 to 1911 there was constructed in the Borough of Bronx 16,724 new buildings. T BE SOLD AT NORTHPORT, NT CLOSE HY" 3 on trolley” fo cent. Tre IM A hee $10 down and 8d ‘mouthiy wi Eincantert 4, 0: and dation: Ine: as low ay cepted he on Sade OUICK BUYER. 050 W tides mh) REAL ESTATE FOR SALE— QUEENS. “OWNER MUS' The possibility of future growth, develop- ment and increase in value is greatly hindered and retarded by the excessive time consumed “Light Horse Be R interred Beside Sen, Gen. Lee. RICHMOND, Nov, 3% —Mugh A. White, delewate from Rockingaam to the State Legislature, announced toe} day that he had obtained the consent | of Mrs. Carnegie, owner of Cumberland | Island, Ga., fo ainia legislativ of “Lignt jdoree Har tionary fame, from its grave the removal by a Vi cs 1 Tho body probably will be reinterred | bewide that of “Light Morse Harry's" son, Gen, Robert FE. Lee, at Washing: ton Lee University, Lexington, Va. | s Simple Home Remedy Will Cure Your Cold Never take drugs for a cough or cold. The relief they afford is more than offset by their disastrous afte effects. But coughing should stopped in its throat and bronchials become inflamed or permanently diseased, You can make a soothing remedy that will instantly allay irritation and speedily stop your cough. Shake to- gether in a bottle two ounces of gly erine, eight ounces of pure whiskey and half an ounce of Virgin Oil of Pine. A teaspoonful every four hours is the usual dose, and it can be taken with perfect safety byc bildren as well as by adults. To protect yourself against substi- ‘one person {3 a8 good as another, and | show, your New Yorker goes out for a| tutes, and insure getting pure and every member oan tell where every Sh | dite to eat—and perchance @ bottle to} fresh Virgin Oil of Pine, ask your 1° druggist for an_ original’ half-ounce seal vial. These come only iu wooden cartons bearing our label, The Leach Chemical Co., Cincinnati he $] daily to and from Van Cortlandt Park section, sumed daily to and from the Fourth Ward average two hours and twenty minutes. IND #ND REWARDS, - Fat Section, average one hour. raday, Now 21, bet 170" Stratford row Way sation. either onthe hav, or Flatbush, trolley, a iF neck en Ne reward Lt r street : By what logic should a lot thirty minutes norch of Herald Square be worth $50,000, while you can buy a lot thirty minutes east of Herald Square for $500? As land, they are both equal in all respects. There is no longer any reason, as the con- struction of the Pennsylvania Tubes at Thirty- third Street and the Subway from Wall Street will equalize these values in short order; that is why Queens Borough is growing so rapidly. ty ever, “Dhg! PIANOS AND ORGANS, GHiEK ERISG TE Waters, | $6 tlorage charges NG STOUAGE CD ‘Open evenings FOR SALE. Do you wish us to prove to you that these lots that we are selling at $500 each are the bes bargains in New York City? If so, send us a postal card for trip ticket, literature and full particulars, or spend half an hour on Saturday or Sunday, and come out and see the lots. Comparative Statistics Showing Increased Population, Increased Buildings, Increased Transportation Facilities, Warrant the Statement that Every Dollar Invested in Borough of Queens Lots Will Grow in Profits Five Times Quicker Than if Invested in Lots in the Borough of Bronx. Weekis Wiamoula rod jemeley, 110 W.Sath, ay 1M, Store 2 ND AM lla LAWYERS’ TITLE INSURANCE AND TRUST CO. POLICY DELIVERED WITH EACH DEED FREE SPECIAL SET OF ELECTRIC CARS LEAVE EVERY SATURDAY AT 1 P. M. AND SUNDAY AT 2 P. M. TO SHOW THESE LOTS. Come to the train gate, Penn.-Long Island station, 33d St. and 7th Ave., and meet our agent, with white ribbon on coat, marked ‘4th Ward, Borough of Queens,’’ or to the Flatbush Ave. station, in Brooklyn, a few minutes before above time, and he will show you th lots. New York Suburban Land Co. 30-34 West 33rd Street New York City DIAMONDS, milioate Comal Watcher delivered, conven ted tive’ calls, tele TH Bast ti __ HELP WANTED—MALE, una Kanglish Jan Specialists in New York City Lots