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About The Sunday Oregonian. (Portland, Ore.) 1881-current | View Entire Issue (May 14, 1916)
11" HOME-FINDER WINS GRATITUDE OF MANY Mrs. Elizabeth Cosgriff, in Charge of One Department of Juvenile Court Work, Succeeds in Bringing Happiness to Families and Wards. LADD ESTATE COMPANY PRINCIPALS Save this announcement of the add Thrift Plan PORTLAND'S prospective home buyers now have an opportunity Q In the original an such as has never been offered them before. II THE SUNDAY OREGOXIAy, PORTLAND, MAT 14. 1916. ! Grow JZtroto- I MRS. ELIZABETH COSGRIFF, IW CHARGE OF THE HOME-FIXDIXG DE PARTS! E 3i T SINCE ITS FOUNDING LAST JUNE. MRS. ELIZABETH COSGRIFF, head of the "home-finding de partment" of the Juvenile Court, has a steadily growing: 'He of letters in her office at the Courthouse, which is full of notes of interest to those who like stories with a "heart interest." There are letters from boys and g-irls thanking- her for her work in putting" them in comfortable homes, where they have been well cared for and given an opportunity to go to school; there are letters from people on farms and in city homes all over Oregon, thanking her for sending a boy or girl who has proved a help and a blessing, and there are letters from motners and fathers expressing heartfelt thanks to the home-finding department for the as sistance in placing their children, in good homes, which has helped them to tide over circumstances of desperate poverty under which they were tempo rarily unable to care for their fam ilies. Story Told Between Lines. Through all this range, and with infinite variation, the letters in the file run, and between their lines they tell an interesting story of the first year of work in this new department in the Juvenile Court. This department was established last June, and Mrs. Cosgriff has been at the head of it since that time. One of the objects of the home-finding department was to give delinquent parents the opportunity and incentive to reform and thereby be entitled to have their children returned to them; a second object was to devise a way to assist parents who, through illness, financial straits or desertion of one of the parents, were rendered tempora rily unable to care for their children. All of the institutions of the state and city for the care of children have been taxed to their capacity in the past year, and had it not been for this new department the court would have been handicaped seriously in trying to place its wards. Under the system devised the court in able to retain, jurisdiction over the child. Many home-finding institutions object to taking Juvenile Court wards unless they receive permanent commit ment. If such commitment is given, however, the child is thereby taken permanently out of the jurisdiction of t he court. In all other institutions, moreover, taking dependent children, the preference is for orphans or half orphans. "On the other hand." says Mrs. Cos griff, outlining the activities of the department which she has had in charge for nearly a year now, "the majority of dependent cases coming before the Juvenile Court are from disrupted homes, and are caused mostly by delinquency of one or both parents, Insertion of one or both parents, in most cases the father; illness of one or both parents, and in most cases the mother; in the above cases the child is only temporarily removed. Segregation Not Complete. "Another important factor to be tak en into account in the disposition of children is the impossibility of com plete segregation, other than in the dormitories of our Frazer Home. Should the dependent children acquire knowledge through their association with delinquent children which would be harmful to them, the court would in a way be responsible. "All of these facts forced an issue upon the Juvenile Court relative to the temporary disposition ot children. There seemed to be no way of meeting this issue other than the establishment of the home-finding department. The home-finding department places In pri vate homes, usually oi y temporarily, those children who would otherwise be committed to institutions. In these homes the children are provided with mother and father love. Though only , foster-parent love, it is sincere and genuine. "Irrinstitiitions where the number of chidlren detained is large the child can not possibly receive the individual care that can be given in a private home. "It speaks well for the class of peo ple who have taken our wards, in view of the fact that in a majority of cases these people have gone to considerable expense to outfit these children placed in their custody; this they have done while knowing that at any time they might be taken from them. I'pmporary Homes Found. "ve have found many unselfish peo ple, having no children of their own, willing to give a temporary home to some dependent child and equally gen erous in giving up the chfld'when the parent had made good, or conditions in the home were readjusted. This generosity and unselfishness on the part of the individual giving same bears fruit, both in the giver and the child receiving same does this count for nought? "Considerable thought and discussion was given to this home-finding inno vation on the part of the Juvenile Court Judge before establishing same, and the results brought forth no bet ter plan. Could those who oppose the establishment of tnts Department and who desire to know the truth as to the results of the experiment visit the homes where our cnnaren are piacea xhey would be XuLIy convinced Uiat no mistake had been made in its estab lishment." In the education of the children placed out through the department, whenever it is found necessary to place them in sectarian institutions, the wishes of the relatives or parents arc always considered before any step is taken. Activities Are Outlined. Following Is a brief outline of the activities of the home-finding depart ment since its establishment less than a year ago: Children placed in homes since the! establishment of the home-finding de- I partment, 187. Children now in homes, 72. Children attending school, 55. Average age of children placed out, I 1? years. Children undr school age placed in I homes where there are no other chil dren, 39. This large number empha sizes the fact that the motive prompt ing these people was no other than the craving for the affection of a child or the visible expression of their own maternal instincts, which had no nat ural outlet. Attending trade and high school, IS. These children, being over the com pulsory school age, would otherwise I have been taken out of school. Children found temporary homes at I the request of parents, 72. These re-1 quests were not made with the object of shirking responsibility, but due to I economic conditions over which the I parents, many times, had no control. 1 When these conditions were readjusted! these children were returned. Children taken away from parents I against their wishes, placed in homes I and later returned upon parents mak ing good, 10. These parents were tem- orarily deprived of the custody of their! children for delinquency on the part I of one or both parents, extreme cru elty, intemperance or immorality. The I return of these children was the mam incentive in the reformation of these parents. Children taken permanently away 1 from parents, 11. Five of these were I taken away due to the fact that the I father and mother had both deserted. Two of the 11, mother remarried and stepfather refused to support children, mother relinquishing children for adop tion rather than give up her husband; one an orphan and relatives unable to keep her; one, mother dead and father unselfishly relinquishes his right that the child might have op portunities he could not give her; two. brother and sister, were deserted by father, and stepmother refused to sup- 1 port them. OPERETTA WELL GIVEN MOUNT TABOR PUPILS PRESENT "THE LAND OK SOD." Pi.Hr rrlnrri.pl and Sprite Perform Creditably and All Sine Dif. flcult Part. Pleasingly. Manv Mount Tabor residents turned out Wednesday night to witness the school children present "The Land of Nod," a fanciful operetta given with new scenery and. skillful lighting effects. All the children performed creditably and the music and costumes added to the production. . The plot deals with imaginary Kings queens, fantastic beings and sprites. Alfred Cayo as the king gave an excel lent interpretation of a difficult role. and Myrl Van Alstyne won honors as Jack of Dreams. An attractive .part was that taken by Joe Pluim, in the guise of the Sandman. Lee Farley sang the part of the Dream Goblins. Herbert Libak was the Dream Prince, and a bevy of Dream Princesses were fascinating. Of these there were Eva Brask. Queen of Dolls; Kthel Crane, Dream Princess: Catherine Grout, Lady Fortune: and Ruth Million, Mother Goose. Clifford Atkins portrayed Can and Must. Not less important were the Dream Sprites. Dorothy Jones. Fern Chestney, Elisabeth Clement. Hazeldean Fulton. Matie Lawrence, Mable Eastman, Mil dred Stipe, Beth Wheeler, Marion Gra ham, Sara Luten, Sherma Stipe, and Amelia Sansomc. The Sandman had heap of fun with his victims, the Sleepy Heads Leslie McLennon, Denny Clearwater. Harry Snakoon, Sarah Callan. Berth Boggs and Maris Rosewell. Vance Prewitt was a handsome young standard bearer, and the tollowing were pages: Marion Wilkes, Lee Holcomb. Perry Lee Shoe maker arid Lewis Clark. Rosebtirjr Plans Memorial Exercises. ROSEBURG. Or., May 13. (Special.) Plans for the Memorial day exercises in Roseburg were completed today by a committee of Reno Post, Grand Army of the Republic, of this city. The memorial exercises will be held at the Soldiers' Home May 30 under the direction of Reno Post, Grand Army of the Republic, the Women's Relief Corps. Spanish-American War .Veterans and the- Sons of .Veteran. nouncement of Ladd Estate Company on March 30 was the statement: "The fullest measure of assistance, consistent with good business, will be given to the responsible purchaser who comes to us in good faith desiring to build a factory, warehouse or home, but who is without sufficient funds to carry his project to completion, by arranging financial assistance," etc. Since that time the Ladd interests have established a special fund and worked out a plan based on the same schedules as tile famous Pratt Thrift, of Brooklyn, New York; with the same object of encouraging people in the building and owning of their homes by substantially assisting them in the purchasing of homesites and the financing of home construction. . The most prominent features of this plan are: 1st. Lower interest rates 6 interest. 2d. Longer time up to 10 years. , 3d. Increase in percentage of loan as high as 80. 4th. Elimination of the usual 3 building loan fee. Through the Ladd Thrift Plan, sums of reasonable amount will be loaned at 6 interest to purchasers of any of our homesites who desire to build homes for their own occupancy. The amount loaned will be determined by a loan committee and will be based on the cost of the property and the proposed home, the amount never exceeding 80 per cent. Loans are repayable by monthly payments. The period which determines both the number of monthly installments to be made and the amount of each payment may be decided by the borrower. Loans will be made for as long: a period a3 ten years. The monthly payments, if made as pro vided for, will' fully cancel principal and interest within the terra of the loan, and on the payment of the last installment the property will be free from all claims under the mortgage. EXAMPLEl $36.00 a month in Am an illustration of the working- of the Ladd Thrift Plan, say that the price of the lot which you select in Eastmoreland In $1000, nnd you want to .build a home that will cost 1-1000. making a total of $4000 for the property. By paying- $00 and obtaining: $3200 from the I.add Thrift Plan you can arrange the advance for 10 years. This will cost you but 136.2 per month, and includes interest at G on the amounts remaining: unpaid. Illustrations, both higher and lower, can be made on Eastmoreland property. CONSIDERATIONS ABOVE THAT OP MONEV. The love, comfort and independence of a home of your own and your family's own. The pleasure of-livlng- in an atmosphere of refine ment and education, the homo of Reed Col lege. A home site on property Just high enough to be delightful and not monotonous one that is sure to increase in home values. 8CHEDU.R OF" THE PRATT TUHIFT, Table ehoirlas maataly permeate required for a Thrift 1-oa of aiooo 10 yeare at per reati Monthly payment .9 11.83 Total payments, 10 yra,. 139.0 Amount borrowed 1000.00 Amount of interest paid in 10 years 351.60 Average cost of loan per year 35. t6 Average per cent of amount originally bor rowed 3 3-5 Table ihowlar moatbly nay meats reqairea ta pay bark 910O0 with per rrnt Interest fer the periods specified i Monthly Time payments 3 years 131.13 4 years 24.05 6 years 19.79 6 years If. 95 7 years. ............... . 14. 98 8 years 13. 42 9 years................. 12. 2 10 years 11.33 The monthly payments are met like rent and so long as they are regularly paid, to gether with insurance and taxes as they fall due, THE LOAN CANNOT BE DIS TURBED. This is the great advantage of buying your home under the Ladd Thrift Plan. It is better than the ordinary mort gage, which, when it falls due, must be paid in a lump sum. If borrowers, from adverse circumstances, are un able to keep up their payments, the Board of Di rectors will, after three years' payment of installments,- entertain an application to suspend fur ther payments for a period not exceeding twelve months and will deal equitably with such applica tion. If at any time a borrower wishes to pay off the entire loan he may do so by paying the balance remaining due, together with a sum of money equivalent to three months interest upon such amount. SCHEDIXK OP THE PRATT THRIFT. Table ndnrlar advantage of the Ladd Thrift Plaa as compared with other aaort KiKrai Amount of loan, 31000; termj 10 years. Ladd Thrift ' T"aal mortgage Plan At 7 AtXt At costs costs costs $1,700.00 1. 800.00 1. 359.60 EIAMPLEl $77.00 a month in Wm EXAMPLES $25.00 a month in EXAMPLE! S50.00 a month in On the opposite side of this announcement Is an example of 9114 a month In Dunthorpr This 'one at $60 a month is based on a $2000 site, with a $3500 house a total of. $5500. In this case the cash payment would be $1100 and a balance of $4400 obtainable from tha l-Add Thrift Plan. On a plan of 10 years the monthly payments, which cover the 6 Interest, would bo but $43.85 a month. , There are even less expensive sites than this and with a $2500 building restriction. CONSIDER THESE FACTS AS WELL, " Living In God's out-of-doors. In a country home district of elegance and quietude. Grounds determined by acres, not lota. A garden of your own. Surroundings endowed bv nature that could not be bought with money. All city conveniences. Detailed Comparison of Ladd Thrift Plan and Paying Rent Fuppose you are occupying: a house In Port land for which you are paying a rental of $420 per year, or $35 per month. The prbpertv is worth $4000. By paying- $800 find obtaining- $3200 from the Ladd Thrift Plan, you could buy a homeaite and build as (rood a house AND TO TOCR LIKING. Under . the Ladd Thrift Plan ten-year term, the pay ments would be $36.-6 a month, or $435.12 per year. The cost of taxes and insurance would be about $60 per year, making- a total monthly payment of about $41.26. That Is. by the pay ment of $6.-5 a month more than you now pay for rent, you would in ten years become the absolute owner of your home, while as a tenant you would have paid your landlord, or landlords, during- the same, period, almost the same amount of money without becoming" the owner of a sing-le lath in the house. An illus tration far more extreme can be made by comparison with an apartment. Here'a snother illustration. You are planning: to buy a' $750 lot in Westmoreland. The house you ere figuring; on will cost $2000. On a total of $2750 the cash payment would be $550, leaving a balance of $2200 to be secured from the Ladd Thrift Plan. On a basis of ten years It would cost you $24.93 a month, which includes 6-ye Interest on unpaid balances. If you want a less expensive or a more expensive site or house, the comparison would be corre spondingly attractive. CONSIDERATIONS BESIDES THAT OF MONEY Belnp a property-owner not a tenant. Getting shead every month, every year. Giving- your wife and children a place to call THEIR HOME. Living near one of the best carltnes In tha city. EXAMPLEi $50.00 a month in For a " se to illustrate the application of this plan to x-Lod's Addition, let us take a $2000 lot on which you are planning: to build a $3500 house. With a total cost of $5500. the cash payment would be $1100, leaving $4400 balance to J. secured from the Ladd Thrift Plan. By pay in it $49.85 a month, in ten years the prop- i erty would be free from all claims under tha agreement. Other Illustrations, both higher and lower, eta be made. MORE THAX jrST A V INVESTMENT OF MONEY. There's an Investment In a happier home life, greater independence and peace of mind. Tour dividends from this side of the Investment can not be estimated. ladd's Addition is remark ably close in. All Improvements paid for. Five carlines contribute to a perfect streetcar service. EXAMPLES x ' $24.00 a month in Take a $3500 lot on Westover. on which Is built a $5000 house. That makes $S500. on which the cash payment would be $1700. leaving- a balance of $6S00 to be obtained from the Ladd Thrift Plan. At $77.05 a month, which Includes Inter est, you would be paying- yourself rent In stead of a landlord, and In ten years the loan would be entirely repaid. Illustrations of Isrg-er or smaller amounts are proportionately advantageous. I CONSIDERATIONS OTHER THAN MONETARY. Havlnir your home situated on one of the choicest view properties In the country, with "10.000 square miles in your front ysrd." Tour view is not obstructed bv the house (cross the street. On the West Side. Close In to the business district and a property that is sure to Increase In value and at a greater percentage than any other hillside property. EIAMPLEl $1 14 a. month in For illustration, we'll take a, $5000 site and a $7 500 home in Dunthorpe. With the total at $12,500, the cash payment would be $2500. and the balance of $10,000 would be taken in the Ladd Thrift Plan. On the same basis of ten years, as we have been ftg-uring-. your monthly payments would be $113.30 a month. In this property there are sites up to $14,000 some of the most wonderful locations for country homes in the Pacific Northwest. THE KIND OF A DISTRICT1 DI NTHORPE IS. In a short time we win publish full details on this sub-division, m-hlch is destined to be come one of the scenic eights of Portland. Save this illustration so that you may know how the Ladd Thrift Plan can be applied to homesites in Dunthorpe. I 1 1 Cut Ull LlllS CUULJU11 Check the property In which you are most Interested: write your name and address and MAIL A selection u-iween these two properties would be a matter of personal preference. Home sites in both are similar in price. Tske a $2000 house to be built on a $600 lot. Out of the total of $26u0, $520 would be the cash payment. This would leave a balance of $2080. which in monthly payments of $23.57 would be repaid at 6 interest In ten years. Beautiful, convenient, medium-priced view prop erty on the West Side. REMEMBER, that everv time you pay a monthly installment you NO LONGER pay Interest on that amount. T. F-. N. Clarlc Cm pa ay, Title at Trait Ballalaa;. Please send me your booklet "Speaking of Your Home' as It applies to the property I have checked below: Esstmoreland Westover Ter races t Punthorpe .. . . Fulton Park ..t Name Address Clty .. LI' This plan also applies to building: on homesites already purchased in these properties SELLING REPRESENTATIVES EN.Clarh&Co. Srcod Floor-Till rvd Trust Bld I I La d d s Addl- I tion r 1 I II 1 Westmoreland .t J 'III Burling-ame .... 1 I II Unclassified .-t J I I :.. The oration will be delivered by Rev. R. K. Jope, pastor of the Christian Church. . . IO? Shortage Is Reported. ELMAr Wash.. May 13. (Special.) The night shift at Malone has been taller: off on account of shortasre of loaa anu ibe laainjk mill is runalus three-fourths time to catch up with orders. Masons and plumbers from Elma are putting the finishing- touches on what will be Malone'a big- Commer cial Hotel. Whitman Observes Campus Day. WHITMAN OOLLEGK. Walla Walla. campus day at Whitman College, post poned from Tuesday on account of rainy weather, was held Thursday. The morning- was devoted to cleaning: up the campus and in construction work. Much of the work was done on the amphitheater. A picnic dinner was served by the women of the college at noon. At 4 o'clock Mls Jessie Cunnln-- fit DC JaJL C(liwsl WUaaa of May. A dance and a party in the evening- ended the celebration. 43onnties Co-operate on Road Work. ROSE BURG. Or- May 13. (Special.) Iougias and Josephine County courts have appropriated $500. which will be used In cuttinc dmn th prad- st the uauoil of Wolf CreiL bill, u:r Jlu- dale. This hill has been a terror to tourists traveling- over the Pacific Highway, and its elimination will mark one of the most important improve ments now In progress between Port land and the Jackson County line. It ! said that a single drop of H!VtiTe all: kill a rsfbil la tirv sad a hi I uUautss, I