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WEDNESDAY. JULY 18, 1963
MEDFORD MAIL TRIBUNE. MEDFORD. OREGON
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AHN1NGS NOT RELAYED - 'I'he Senate in Tcxiis who approved Hie transactions.
Investigating subconimittee has been told W. Lewis David, lexns stale executive di-
that warnings from Oklahoma abuut some rector for the Agriculture Stabilization and
of Billie Sol Estes' cotton allotment trans- Conservation Service is shown in Washing-
(crs were never relayed to county officials ton as he told of the oversight. (UPI)
Langford Reviews Planning at
Chamber Roundfable Lunch
"Everyone does planning In
-one form or another,"' Med-
-fnrd Planning Director Ned
L'nihford told the Medford
Chamber of Commerce
I'oundtable Monday, "wheth
cr it's the family budget, or
Fimply whnt, clothes to wear
tomorrow."
The object of city planning
-the task of his office-is to
help guide the physical growth
and development of a com
rminily so that it will be an
rfficieiit and pleasant place
for people to live, Langford
:juirl.
: The spakor, who was ap
pointed Medford's first full
.lime director of planning
.July 1, observed that city
planning was practiced in
Phono 772-4534
many of man's early civiliza
tions, notably the Egyptian,
Greek, Mayan and Roman cul
tures. Firsl to Plan Roadj
The Romans, he noted for
example, were the first to
plan and construct inters-late
highways, the early precurs
ors of today's modern multi
lane freeways.
In this country, probably
the first example of city plan
ning can be seen in the work
of William Penn, who in 1HII2
laid out the city of Philadel
phia in a series of squares,
thus instituting the famous
"grid system," which has
been emulated ever since in
hundreds of other commun
ities and cities.
A better example of early
planning, Langford said, can
be seen in the enlightened de
sign of a French engineer.
Major Charles L'Enfani, who.
at the request of President
George Washington, drew up
the plan for Washington, D C,
in 17(11.
Planning in Medford
Tlanning as such was firsl
recognized in Medford in
1022 with the establishment
of the planning commission.
The following year, the city
passed Its first zoning ordi-
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nance, Langford noted.
scant four years after New
York City adopted its initial
zoning regulation.
In 1 9'Ai , the city fathers
contracted with a "hicago
consulting firm to d w up a
comprehensive plan for the
future development of Med
ford. The completed plan was
accepted and filed. Langford
said he found the plan in the
bottom drawer of a little-used
filing cabinet in the city hall
when he first came to Med
ford in 1057 as an employee
of the University of Oregon,
assigned to assist with the im
plementation of the federul
government's 701 program.
Alluding to his position as
newly appointed planning di
rector for the city. Langford
said his office "doesn't formu
late policy, nor does it run
the planning commission.''
Advisory Capacity
"We pimply serve In an ad
visory capacity for the city
and the com mission, some
times acting as a source of
ideas,' he said.
Noting t hat planning, to be
effective, must take into con
sideration a broad range of
subjects, such as architecture,
public health, economics,
traffic engineering, recrea
tion, and many other?, Lang
ford said the planner, at least
in part, .serves as a coordina
tor of specialists.
"When a problem arises, I
go consult with an expert in 1
the area concerned," he said.
After reviewing several :
studies which his office has
published since 1J)57, Lang- j
ford referred to a land use '
survey map which his office i
had prepared and outlined
the procedure behind its
preparation and discussed its
present status.
Growth U Expected
The man, which was a pro
jection of the city 23 years
in the future, when Medford's
papula t ion is expected to be
about 71.000 tallowing for 4
prr cent annual increase),
showed by means of color the
area in which certain kinds
of growth are expected to
take place.
These include residential
areas of 1 o w and medium
density, multiple family, com
mercial, industrial, park and
r e c r e a t i o n , s c h o o 1 s ,
a n d nei::lib"rho'id commer
cial centers
TVhev di-cHens in connec
tion with the land use survey
are nnw being studied and
formulated by the planning
commission at its weekly
breakfast study sessions,
Langford said, and when com
pleted will be referred to the
ttt v cnunnl as recommenda
tions for the future develop
ment of the city.
Presented to People
Fellowin'.; cmmeil action of
the commiMon s recommen
dations, the land use plan will
be presented to the people of
Medford for their considera
tion and situ i;eM ions The
plan, ret; a rd less of Us indivi
dual merit, cm never be im
plemented without the full
sanct urn a tut goodwill of the
citizens. Langford em
phasized He nn;ed the Kountable
and sinuSar groups to support
the planning program
"We t,tti on the threshold
of a period of vapid growth
m Me, -ford," L.mgMrd said
"We em't stop i: We must,
instead, plan for it "
PRINCESS ILL
London UT A Kensington
Palace source said Tuesday
nigh! Pri'ness Alexandra has
n sir.: lit mic ron of the glands
m her ft ck Die coumu of
i.ntren Elizabeth II underwent
m ce: y Ju'v 8 fr the re
niO al of iU I to:-:U
Your Money's
Worth
By SYLVIA PORTER
Copyright, Hill Syndicala, Inc.
HOW MUCH HOME CAN YOU AFFORD TO BUY?
Editor's note: Thii ii lht iirit in a laiiei of thre columnt
on homa buying.
This is the peak of the year for home buying the season
when millions of U. S. families move from old house to new,
from one home price level to another, from community to
community. Each year one out of five civilian V. S. families
moves, and right now the rush is at its height.
But this also is a period different from any this genera
tion of young adults has known. For we are in a cycle of
steadily rising foreclosures on home mortgages; the fore
closure rate already is at its highest since the late 1930s. At
the same time delinquencies on mortgage payments are
climbing rapidly; the rate started rising in 1957, hasn't
stopped. Meanwhile, vacancy rates are increasing too, real
estate prices in many areas are softening, the general econ
omy is flattening.
Against this combination of signals flashing major changes
in the character of the home buying market, hard-headed
experts in government, the housing industry and finance are
urging caution on the purchase and financing of homes.
Now. say you'ra ona of tha millions in the market for a
homa this summer. Under these circumstances, how much
homa can you afford to buy? What is sound policy for you
on making a down payment?
What is the maximum payment you can safely take on
per months? What should you do if you get into trouble
on your mortgage payments?
From top sources in the country the American Bankers
Assn., the U.S. Savings & Loan League, William J. Levitt
president of Levitt & Sons and creator of the world-famous
Lcvittowns of post-World War II I ve collected several
basic guides for you. In this and the next two columns, you'll
find information of lasting value. First, on what you can
afford:
(1) You can afford to buy a house costing roughly two
and one half times your total (gross) yearly income.
This is a long respected rule of thumb for average income
families, on which all sources agree. Calculate two and one
half times your gross annual income and you have the price
range for your house. Then deduct the amount of your
savings which you can reasonably use as a down payment
and. as the ABA says, "You will have a pretty good idea
of the approximate amount to be borrowed" on a mortgage.
Do not even consider using all your savings for a down
payment, for you must keep some in reserve to cover such
expenses as loan closing and moving costs, also to give you
a reserve for expenses you don't anticipate and for emer
gencies. (2) You can afford about one week's take-home pay for
each month's total housing expenses.
In these expenses include all tha costs of owning and
operating a home ranging from monthly payments on
mortgage principal and interest, insurance and taxes, re
pairs Bnd maintenance, heat and utilities, to garbage col
lection and commuting costs. More specifically, "safe"
margins might permit a man with a take-home income of
$450 a month to carry housing costs of $120, while a man
with a lake-home income of 5800 a month should not carry
total housing costs of more than S16S.
(3) You also might use the so-called "1 per cent rule"
to estimate the total monthly costs of your home.
This means the monthly cost of your home will ap
proximate 1 per cent of the price you pay for it.
(4) To the cost of yqur home per year, add approximately
4-5 per cent for these expenses: property taxes, 2-3 per cent;
'insurance, up to '.4 of 1 per cent; upkeep, not including
utilities, 1-2 per cent.
They're averages and the expenses will vary considerably
among families and areas, but they're good bench marks.
(5) Your home purchase should be the end, not a new
beginning, of major expenses or, as Levitt puts its, "It is
essential that the house the homebuyer moves into is com
pletely livable from the moment he takes title, just as an
automobile is drivable from the moment it leaves the show
room." The key point Levitt is making is that you shouldn't be
loaded with dozens of expensive extras when you buy, for
otherwise you'll "get lost in the credit labyrinth which so
often leads to forccloseures."
Next: Your down payment and interest costs.
Expenditure Planned
For Campground Areas
Portland (UPIJ Expenditure
of $1.1 million for camp
ground and picnic area im
provement and construction
is planned for national for
est of the northwest this
summer, Regional Forester J.
Herbert Stone said Tuesday.
SO SORRY
Torrance, Calif.- CPU -Apologetic
eoumy officials today
returned to its owners a par
cel of land that was sold at
auction last February for
SI 20 to pay delinquent taxes.
The land is owned by the
state.
Natural History Workshop Slated
Ashland A workshop on
the Natural History of Oregon
will be offered during the
1962 Southern Oregon college
summer session Aug. 13-24.
Dr. F. W. Sturge?, instructor
of the course, has announced.
A 12-day field trip to sam
ple each of the major areas
of Oregon will be the means
of acquainting stude ts with
the rocks, landforms, cli
mates, plants and animals of
the state and man's use of re
newable resources.
Three hours credit (gradu
ate level for those qualified
by sufficient background in
biology and upper division
for others) will be given and
enrollment will be limited to
25.
Students will enter into the
general discussions concern
ing each area and graduate
students will delve more
deeply into specific field
studiec explaining results to
the undergraduates who will
help gather the data. They
will prepare papers based on
individual participation
which will be submitted with
in a week following return
from the field.
Preregistration should be
EXERCISE TO RELAX
Concord. N.H. -UPI)- Famed
heart specialist Dr. Paul Dud
ley White says the best way
to relax is to quit smoking
and to exercise.
"Tobacco doesn't do any.
body any good," White told
a Rotary club meeting hero
Tuesday. "The best tranquil,
izer Is exercise. Walking helps
emotional strain."
completed before Aug. 1, pre
ferably as soon as tne aecis
ion is made to enroll and re
quests for additional infor
mation should be sent to Dr.
F. W. Sturges. Southern Ore
gon college, Ashland.
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ff 1962 Bhtl-WeiPhird Corwpf-iy, Poft'nJ, O'tdn
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