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About Medford mail tribune. (Medford, Or.) 1909-1989 | View Entire Issue (June 13, 1935)
PAGE TWO MEDFORD MAIL TRIBUNE, MEDFORD, OREGON, THURSDAY, JUNE 13, 1935. Modernization Movement Over Hump as Loans Reach 1 ,000 Daily n rrn Practically All Communities of Country Joining in Move to Bring Better Homes and Aid Workers The nation-wide home and busi ness property betterment movement of the Federal Housing Administra tion has Rone "over the hump" end Is now definitely pointed toward arcie cws. Roi?er Stefran, director of modern ization credits, made this statement when reports from all sections of the country established the fact that one of the main objective of the cam paign had been reached. This la that loans are being: made at the rata of 1.000 tt day. He pointed out that when the mod ernization credit system began to function, some two months previous ly, that when loans reached a level of 1.000 dally there could no longer be any doubt that the project lias been seriously and energetically adopted as a medium of bringing about economic recovery and reliev ing unemployment. The reports upon which tht calcu lation of 1,000 loans day was batted re weeks behind, as reports are made monthly and there Is tvery 1 reason to believe that this will be ex ceeded In the next returns. Better housing campaigns hsvs been started in practically every com munity In the United States and every section of America's business and so cial life reports unmistakable signs of stimulation are being noted. In addition to the loans made under the regulations of the Housing Ad ministration past experience has demonstrated that nearly twice aa much Improvement work Is under taken on a cash basis. The amount of the loans Is not definitely known, but the most con servative estimates place the amount which will be expended close to the figure established as essential to place American homes again In good physi cal condition. ! Tha number of the loans, however, j Is not the only baroma Indicating ! success of the movement. Every line of mislness whteh may profit from building, modernlrlng. repairing, are berlnnlng to feel a pickup. Contrac tors who never before have bought newspaper space are advertising and making a bid for the new business which la available. Bankers are Invit ing loans, fndustrtes which do not profit directly from any stimulation in the building Industry are outlin ing comrmitrns to enable them to "cash in" on the general revival which Is calculated to return a large number of people to work and give them the means of becoming purchasers. F IS EXPLAINED TO HALT CONFUSION WAflHmmrw. O. O. Tn order to eliminate confusion among the gen eral public, the Federal Housing Ad ministration has restated its method of administering the modernlratlon credit plnn authorized by the Ifa- tlonal Housing Art. The Federal Housing Administra tion makes no loans. All loans made under the modernl ratlon crodlt plan are mads by pri vate financial Institutions. The Federal Housing Administra tion Insures fhe financial Institution apninst 20 percent toss of all mod ernization loans made. Loans are marie by severs! types of spproved financial Institutions, over 4 ftno nf which have sdvan:ed this type of crertit to date Several thousand more have been approved and are ready to make loans. Banks maKe up the majority of these financial Institutions, while finance companies also handle large amount of hutnes. Approved finance companies are di vided into three groups: ihose which operate Independently and transact business more or less as bsnks do, but usually finance the home throiiRh a manufacturer, distributor, or contractor; those which are sub sidiaries of manufacturers or com mercial Institutions wilting to fin ance an entire Job If a certain per centage of the product la add or manufactured by the parent orgsnl rntlon: those whteh are subsidiaries of slmllnr Irntivitlons hut confine their operations to the products. Drenches, or deajers of their parent organizations. There Is also a miscellaneous group such a-s hut Id tug and loan associa tions, mortage companies, credit units, and the like, which are making a large number of mod em I rat ion loans. Detailed Information as to the op eration of the modernization ere.Hl plan or the mutual mortgsoe Insur ance plan may he obtained irom local better-housing committees or from the Federal Housing Administration Washington. U t. To Install Flonrlng When modernizing a home by con structing new rooms In the base ment or attic, it Is pood practice to Install the wrwl flaring and Interior; flnl-h after the ronm haa been plas tered and the plaster Is comparative ly dry For Coziness and Romance House Hag Definite Atmosphere of Past About It ft, a o 0 Pt s It - n mwm .e.s I kyLlTT ...7 1 1 l t9Stl Ml CiJC. I j IG IS TIME FOR OVERHAULING HEATING PLANTS Many home owners find Spring an Ideal time to elemlnate minor heat ing troubles. By attending to these prablems immediately after Wtnter the home owner Is able to advise the heating contractor of troubles while they are fresh In his mind. If this work la postponed until the advent of next winter's cold weather, important repairs wnlch may oe needed might be forgotten; or, if neglected until a severe cold snap, then there may be Insufficient time to have the work done. Furthermore, due to climatic and other factors, a heating plant Is likely to deteriorate more rapidly when not In use unless it la conditioned against advene con ditions. All deteriorated mortar Joints and cracks In masonry ued as founda tions or around furnaces, boilers, and in fireplaces should be painted and defective masonr parts replaced. Likewise, the masonry in the chim ney should be repaired, copping re placed If loose, and tie-rods strength ened or Installed If necessary. The chlmiie, smokeplpe, botler. and furnace should be thoroughly cleaned of all soot and ashes, Ashe.' dumped down through the ash dump In the fireplace should be removed from the cleanout at the bottom of the chimney. Sot left In such places as the smokeplpe and the Inner paa- sasres of the boiler commonly ab sorbs dampness from the air and a form of sulphuric acid will result, and rust the metal. After the dust and soot Is carefully removed from the Inner passages of the boiler, then all Inner surfaces may be sprayed with oil. Likewise, if possible to re move the smokeplpe, It may be spray ed inside with oil after cleaning It and then stored during the Summer in a dry place. Burned or defective grates should be repaired or replaced and loosened fireboxes and warm -air Jackets ce mented or lined. Steam and hot water pipes and warm-air ducts should be insulated, or else have needed repairs done to insulation al ready installed. Likewise, If neces sary, the smokeplpe should be ce mented where it enters the chimney. IS OFFERED BY FHA Protect Joints It Is considered good practice when Installing a porch rail and trim or other exterior portions or the bout which are exposed to the weather to fit all of the pieces together so that water does not drain Into the Joints. This precaution will assist in pre venting deterioration of the material and result in a lower maintenance cost. Success In poultry raising depends to an extent on the chicken house. Production of eegs and healthy birds la contingent on wn ether the house Is damp or dry. dark or light, crowd ed or roomy. A poultry house so poorly construc ted or so shabby that it is a menace to the health of the fowls should be remodeled or replaced. The work may be financed by a modernization loan available at any financial institution cooperating with the Federal Hous ing Administration. A poultry house should be roomy enough to provide 3' to 4 square feet of space for each bird. 8 to 13 llnear inches of perch space should be provided for each, with perches level and 14 Inches apart. Round : perches cut from X to 2-lnch pieces, are best. They should be 2'i to 3i- : ! feet above the ground with an ap proach for chickens that cannot My1 up. a good arrangement Is to nail , perches to frame hinged at the back , so that It may be raised when the j dropping board is cleaned. Dropping boards should not be I lower than 8 Inches below the roosts. J Otherwise chickens will run on them. They should be tight and well made, t Nests are beat placed where thoyi axe most convenient, with runways U necessary. They are often placed one I row deep under the dropping board with the entrance in the back. Hens l seem to lay better In the seclusion j this arrangement affords. A bottom of fine wire mesh has the advantage j of sanitation. Floors of masonry with I a wooden covering repel ground mois ture and aid In insulation. They are also vermin proof. The advantages of a southern ex posure are well known by farmers and poultrymen. Several windows should be provided to admit sun light. Excess windows, however, will admit cold air. a suggested ratio is 1 square foot of glass to 20 square feet of floor apace. Windows should fit tightly to prevent drafts and minimize heat loss. Draftlws ventila tion and effective insulation will as sure good air and an even tempera ture, both of which are essential to good egg production. PAINT FOR LIGHT NEEDS IS ADVICE OF EXPERTS It is good practice to apply a white or very light-colored finish in palr.t Ing light shafts, inside courts, ven tilated skylight, and other walls which enclose areas wlthtn or between buildings and which contain open ings intended to admit sunlight or daylight. This will make possible a maximum of light reflection to the Interior. A dark red Ughtshaft, for example, will only reflect about U to 30 percent of the light that enters it, while a reflection value as high as 30 percent may be obtained In a shaft pointed with a white or llght colorM paint. Test Celling Plaster To avoid falling callings, any part of the plaster that appears to be bulging should be tested for signs of looseness with the hand or a stick. If the plasfer is loose, it should be cut out and the ceiling patched. 1 4 $ Vr A. Build or Buy A Home! Under the Terms of Title II, N. . A. You Can Now Secure . . . 6 MONEY! SO LOAN! Build On A Rental Basis Take up to 20 Years to Pay This loan opportunity is especially attractive to the prospective home builder or buyer . . . Eaoh install ment includes interest, payment on principal, one twelfth part of annual taxes, mortgage Insurance, fire and other hazard insurance premiums . . . For example, a $4000 loan on a $5000 home calls for monthly payments of $40.00 (all items mentioned above are Inolnded In this one payment). You Are Cor dally Invited to Inspect Medford's Own MODEL HOME Second Floor Weeks & Orr Building The Greatest Refrigerator Value On the Market! Kelvinator The Last Word in Efficient, Economical Home Refrigeration PRICES AS LOW AS Nothing Down Throngh Federal Hii4lng Loan Make Application NOW! BLANKS AND FULL DETAILS ARE NOW AVAILABLE Why not take advantage of this opportunity to secure immediate money for buying or building ... We have made a thorough study of this loan and can qnkty handle all detnils for you . . . application, estimates, plans and specifications. We will glndlv discuss it further with yoit. i imber Products Co. END Or NORTH CENTRAL AVENUE PHONE NO. 7 .50 12 Smart Models of Every De sired Size for Your Selection. See in Our Windows or on Our Sales Floor NOW! DINING ROOM SUITES Buffet, Table and 6 Chairs $49-95 A Low As Convenient Weeks & Orr Terms Buy Through Federal Housing Loan f n f - ,-LL CzjModeTaa Shown JJj $99.96 CZI Weeks & Orr's Own Convenient Budget Plan of Paying .... TOLEDO RANGE $45- 7-pi'ece Enamel Set Free during month of June with each range purchased! STUDIO COUCHES 5 Smart Coverings to Choose From $25-95 These Couches Make One Full Bed or Twin Beds Convenient Weeks & Orr Terms Paramount Washers $49.75, $59.75, $69.50 Weeks & Orr SOUTHERN OREGON'S LARGEST FURNITURE STORE 32
