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
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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
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32