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About Herald and news. (Klamath Falls, Or.) 1942-current | View Entire Issue (Jan. 1, 1956)
PAGE SIX HERALD AND NEWS, KLAMATH FALLS, OREGON SUNDAY, JANUARY 1, 1956 TINY WALL spaca can bo utilized beneath and beside the window in a child's room. A window seat doubles as bulltln phonograph. A narrow flp-down study table made of versatile Douglas fir lum ber covers books, crayons and writing material when closed. Handy compartments below provide toy storage. TV Set Now Part Of Home Now that television has assumed iU place afl leisure-time entertain ment rather than being a mechan ical marvel constantly on display, the set Itself can become part of the decor of a home, no more con spicuous than a chair. A room with a television set should be arranged so that the chairs can be moved for comfort able viewing, but everything should not be permanently aligned so that - all conversation must be directed at the tube rather than at persons. A new, shallower TV makes It possible to place a sofa alongside the set without isolating those who sit there for a conversational eve ning. Another possibility for blending the set into the living room is to install it in built-in shelves. When doing this, remember that the set gets hot and needs lots of ir cir culation around it. Don't pack books up next to it, If you value them. The family that was a TV pio neer and is now stuck with a super-small set that no one will give a nickel or can put it to good use. The playroom, the chil dren's room, the kitchen, all are good locations for a small set. The family that gets a new big set and has no use at all for the little one, will find hospitalized friends or veterans glad recipients. In buying a set, remember that no matter how appealing the 99 inch screen may be, it must fit in, rather than dominate the liv ing room. A money-saver for the do-it-yourself families who plan to buy a TV Is a new antenna kit by Admiral. It includes everything the well-dressed roof-top will wear. In pninting or re finishing the cabinet to go with a redone liv ing room, consult the paint deal er closely. Extra-durable, heat proof finishes must be used. If you're wobbly on painting, get the professional. Buying Home Big Adventure Buying a hduse U one of the biggest adventures an average family may encounter.' It can be a thriller ana a. long satisfying experience which may go on tor years often a lifetime. It Is a decision which can in volve the health, happiness and welfare of your family, the environ ment and future of your children and many other factors. Also it can be the biggest busi ness deal, too, in the life of an average family. It takes a lot of money and usually ties you up witn a Jong term aeoi. so n is certainly worth some second thoughts before you sign that dot ted line, Buying a house differs from the purchase of other tilings. You get no guarantee, except perhaps warranty that the house is yours as is. Occasionally, if it is a brand new house, the builder may Issue a carefully worded policy that he mav come back in a few months to make something right if it was his fault that it went wrong. But lawyers say "let the buyer be ware," and that is the rule when you buy real estate. So what can you do to make sure you are getting your money's worth? There are lots of things so many they fill books. Here are lew: First use common sense and don't let your heart rule your head. Tell yourself and your fami ly that you are buying a house, not a picture or a gadget or a fad. Naturally you have to start with the price. You know how much you earn, how much It costs you to live, how much you have saved. It used to be that one week's pay was considered the limit for one month's mortgage payment, includ ing taxes, insurance, interest and payment on tne loan. Recently. savings counsellors! have changed that rule to apply only to actual tnke-home pav. "XI is advisable to keep your monthly carrying charges down to 20 per cent of your income," says one expert. Fronv weekly takeliome pay of $76, 'perhaps 16 would be de ducted for- your real estate taxes and $1.50 for fire insurance, leav ing a balance of $58 50 to cover mortgage payments. On a 20-year loan at 6 per cent, tills allows for a $9,000 mortgage. The " difference between the mortgage and the price calls for cash. And cash usually represents Before vou stun anything, es Deciallv a contract of any kind. have vour own lawyer with you The. seller's lawyer, the builder's lawyer or a salesman's solemn assurance is not enough. An ap plication you sign may turn out to be a contract. A contract you sign may be no contract at all There have been cases where builders unknowingly have built on the wrong land. There have been other cases where a family Metal Used For Trellis An aluminum trellis that can cover an arbor, be mounted direct ly on a home or used inside for a room divider without danger of rust stain is now being distributed by Nichols Wire and Aluminum Co. through hardware stores, lumber yards, nurseries and mail order chains. A soft, silver-like finish makes the aluminum trellis attractive, tension bars supplied with the trel lis make it easy to install, and the chain-link weave makes short ening or lengthening into a two minute operation, requiring only pliers, the company points out. Tht Nichols trellis has uni form width of two feet for better plant growth, rather than the V shape of many trellises now on the market. Since aluminum reflects 95 per cent of heat, the new trelts remains cool and cannot burn a plant's tendrils. The trellis comes la a special cut-back display carton With com plete Instructions and necessary hardware. Cartons are available which hold one 25-foot length. . ckn..u eration. Daid the taxes and thought have $2V45 at the end of eightl hey owned it. while they held title V B11UI4ICI USJW VJ -v vw tm question of distrusting anyone; It is a question of protecting your self. . A lawyer's fee for presiding at the signing of a contract ana tne subsequent taking of title Is stated before hand. It is chicken feed compared with your peace of mind. Jf you're buying a lot, or plan ning to build on a lot you own, these rules still apply. It is folly to build on your lot if it does not meet the neighborhood test. It te foolish to build an expensive house on a cheap lot in a cheap neigh borhood, or to build a cheap house on an expensive lot. An old rule is to try to keep your land cost around 20 per cent of what you plan to spend for the entire project. And if you're buying a lot, ask yourself if you are almost ready to build. It won t help you save toward a house to pay taxes for years on a vacant lot. And re member that land styles change along with house styles. A lot in herited from grandma may have been tine lor a house In her day. but will your dream house fit within its boundaries? Before You Buy! A Complete Line of Plumbing Available ' Tools For Rent Plumbing Tools FLOOR SANDERS DRILLS SAWS Swan Lake Moulding 3224 So. 6th . , Ph. 3169 years. Your local bank or savings institution can help you with time table on such a program. But even If you inherited an other $9,000, It would not be wise on $75 take-home pay to buy an (18.000 house. So much more taxes and maintenance would be re quired that you'd have trouble get tini? a mortgage. So let the price of the house represent Hi to 2',', times your annual income ana you'll oe saier The next question is wnere will you buy your house? Will it be convenient to your job, to schools, stores, churches and recreation? Will It be in an established neigh borhood with fire and police protec tion? Will it be a congenial neigh borhood for your family, or will you be keeping up with the Jones es? Is the neighborhood zoned, or will there be a danger that it may run down in the .future that factories, taverns or gasoline sta tions may come in? An experienced real estate brok er1 can be of invaluable service in helping you get those questions answered. A reliable broker knows neighborhoods and knows houses. He can help you find the right house. If you find a house that was built before World War II, chances are you'll find pretty good con struction. It may need some re pairs, or a paint job. perhaps, because few men selling a house want to risk much of an Invest ment to dress the place up. How ever, you'll hftve to figure on what such repairs will cost you. Try to get your banker, or other mort gage lender, to see if that repair bill can't be incorported in your mortgage. Short term financing for home repairs means a much big ger monthly burden than if the cost is stretched over the term of the mortgage. Get an architect, or reputable builder, to look the place over, if you can. An expert's opinion on construction can save you more than his fee for advice. But find an expert you know, or one your triends know. If you dojide on a new house, have the builder show you through and tell you about its construction. Ask him for the names of others who bought his houses and talk to them. But common sense comes in here, too. New home owners magnify their headaches and a plaster crack from normal settle ment doesn't mean the bouse is falling down. But if floors seem unduly springy, doors and windows won't close, signs of water show in the basement, and so on, beware! There may be a simple reason for each and It may be easy to fix them, or they may indicate skimping elsewhere. And when buying a lot, get a lawyer. 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