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