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Show LEII! FREE PRESS. LEHI, UTAH They're Not "Fair Weather" Friends, Either uf - v -J .- sty - : : HOUSING ADMINISTRATION fiaV-- t TELLS Bird Able to Foretell Gocd and Bad Season HOW TO SECURE REPAIR LOANS J Tit-Bit- t A Statement in Which Every Reader Who Wishes to Im prove or Remodel His Property Will Be Interested. f h l.-.V- , A- - ' 1 .1 'i-- f i f V - , has completed his term of In his honor recent bureau. most to member the Annie Miss Join Is he office shown Eelle, fellow his workers, congratulating y After "watching the clouds roll liy" for fifty years, Dr Charles F. Marvin, seventy-six- , cervlce with the United States weather bureau and gone Into retirement At the farewell party given Putting Uncle Sam's Brands on Drouth Cattle i vsbt' I .xCiw .t,!U'WAin f federal worker with a brush. nd paint Is putting a few daubs on Bossle'i coat to show that she has been waiting to be checked off and purchased by Uncle Sam. Other cattle bought In the drouth' area In "Kansas are near-bA -- y imarked. New Destroyer Is Launched SHOWS HIS SOUVENIRS Washington. The Federal Housing administration is engaged In an elaborate promotion campaign for the and repair of homes and business property. It la urging the public to make repairs or to do such remodeling of homes as would make them more livable, and advising the people that the national housing act has made it possible to finance through banks or other financial institutions many such repairs or remod-eling- s that would not otherwise be As a means of explaining possible. the operations of this act the Housing administration has issued the following statement: 1. Yon may have certain property Improvements already in mind the small Investments that pay large dividends In better living. Perhaps it's light switches, paint, plumbing, plaster, or a complete remodeling Job. In addition to the items you may have planned already, check your property against the list of repairs, alterations and Improvements suggested In this booklet. 2. Decide what improvements you fan. afford to make now or at least the improvements you cannot afford to neglect any longer. 3. Call a contractor, or If It's an important Job an architect Or get In touch with your local better housing committee If there is one In your community. Any of these individuals with the Fedor agencies will eral Housing - administration gladly estimate the cost. How 4. Then comes the question: shall. I pay for. these improvements? rs the Ideal If you have the cash--cas- h way to pay. But If you Bhould find it more con-- " venient to pay out of your regular Income the Investment is a sound one, and now Is the prudent time to go ahead. The better, housing program has oiled the machinery of credit so that you may. pay easily and conveniently for property Improvements made at" once. Your contractor or supply dealer Is In a position to Or you may arrange directly tor ,q loan ;wlth your own local bank, brildlng and loan association or other financial institution cooperating with the government The way has been' smoothed-'-th- e future of your property Is up to you. Here's What You May Be Asking 1. Who may apply? Any property owner. Individual, partnership or corporation, with a regular Income from salary, commissions, business or other assured source. It is not necesary to be a depositor In the financial institution consulted. To any 2. To whom do I apply? national bank, state bank or trust company, savings bank. Industrial, bank, building and loan association or finance company, approved by the Federal Housing administration; or to a contractor or building supply dealer. 3. Do .1 borrow money from the government? No. 4. Flow much may 1 apply for? From $100 to $2,000 depending on your Income, for Improvements on any one property. A like amount In connection with not more than five properties ($2,000 maximum on each) Approval by the Federal Housing administration, Washington, D. C must be secured by the lender in advance for loans on more than five properties. 5. How long may notes run? For any number of months from one to three years. (Notes extending from 37 months to five years may be submitted to the Federal Housing administration by financial Institutions for special consideration.) 6. What security Is required? Only that you have an adequate regular Income and a good credit record in your community. 7. What assurance need I give? (a) That you own the property. (Lessees under "repairing leases" may qualify under special circumstances which the local lending Institutions can explain. (b) That the annual Income of the signers of the note Is at least five times the annual payments on the note. (c) That your mortgage, If any. Is In good standing, and that there are no past due taxes, Interest or liens against your property. (d) That you will use the proceeds solely for property Improvement. are required? 8. What signatures Signature of the property owner; and (except In special cases) If the owner Is an Individual and Is married, also signature of wife or husband. or endorsers are No other required. 9. What Is the cost of this credit? The financial Institution may not collect as Interest andor discount andor fee of any kind, a total charge in excess of an amount equivalent to $5 per $100 of the original face amount of a one year note, deductible In advance. For example: If you need $2S for housing Improvements, you might sign a note for $300 payable In 12 equal monthly Installments. In this case the note would not bear Inter est, because the maximum charge permitted ($15) would be Included In the face of the note. If yot berrow a large amount, or low-cos- i y . " i , .V-- The Macdonough, new $3,500,000 destroyer named in honor uf Commodore j Iacdonough, victorious leader of the American squadron that fought the i Ilrltish off Cumberland Head, Lake Champlain, In 1S14, just after she was I launched at the Charlestown navy yard, Boston. Midshipman Edwin Denby got home to Annapolis, with 800 or so of his buddies, from a summer cruise In European waters, and he Is seen here showing his mother, Mrs. Edwin Denby, some of the souvenirs he picked up on the trip. Middy Denby's father was once secretary of the navy. j i I Adolph Menjou and His New Wife BOOTLEGGERS' FOE f ir f4: AI7 '5 . Adolph Menjou, film star, and Verree Teasdale, actress, were married In Los Angeles by Judge James IL Pope. Menjou was recently divorced by j Katbryn Carver. i I 1: - A. J. Mellott of Kansas City, Kan., who is heading the new drive launched from Washington to eliminate the Illicit liquor industry of the nation. He will be aided In Ms campaign against the bootlegger by a force of 3,298 officials and operatives. With Water with water Is made possible by a system of pumps designed by a Russian engineer, who Intends adapting his invention for to carve a path through the Ice by bombarding It with jets of water shot out at enormous speed and force. Stone-Crnshi- Stone-crushin- g high-pressur- e Largett Synagogu i Undoubtedly the largest synagogue I? JUstory was the Basilica of Alexandria, Egypt, which was destroyed after the Jews made their great exodus under Moses. This edifice was to huge that It held several hundred thousand persons at a time and each trade guild had Its own section. There-- , spouses of the congregation had to be "j. directed by a flag signal. Dorothea :Myer, Clinton, Okla., In Colller'g Weekly. Leave Hole in Graves Indian graves in the Canadian woods are built In the form of mounds and covered with a low, tentlike structure of bark, with an opening In front, In order that (the Indians believe) the spirit of the departed may get out Qualified Mike I saw a woman blacksmith today. Pat What was she doing! Mike Shooing chickens. Many wild creatures have uncanny ways cf forecasting the weather, writes O. O. Pike, the naturalist, in London They know re certainty when a violent change la approaching, and those of os who can read the secrets cf the fields are often able to predict coming gales or storms with more certainty than our meteorological office. One can understand a bird or mammal having a presentiment of a gale or storm which Is likely to arrive within a few hours, but what ran one think of wild birds that are able to arrange their domestic affairs according to the kind of weather they are going to live through months ........ In on the Last Stretch Customer You said the tortoise I bought from you would live 300 years and It died the day after I bought It Denier Now Isn't that too bad! The 300 years must have been up. t, long-payme- , if you repay in equal monthly installments extending beyond one year from 13 months to 8 years the total charge permitted would be at a proportionate rate. 10. Do I pay any other charge? No. 11. How does this cost compare? Compared with ordinary 60 or 00 day bank loans, it is higher. Compared with the same type of loans payabls in monthly installments, it is much lower than heretofore available. The reduced cost is made possible because of the government credit Insurance to the financial institution. This type of loan makes it possible for you to spread the payments over a long period. You do not have to keep money on deposit with the institution making the loan. You do not have to give a mortgage. You need not have friends or others sign your note, and you reap the benefits o' the Improvements now. 12. How do I pay rte note?- - By riak-Inregular, equal, monthly payments (seasonal payments for farmers and others with seasonal Income) until the note is paid In full 13. May the owner of any kind of property apply? Applications will be considered for credit to Improve or other residences buildings, stores, office apartment buildings, factories, warehouses, farm g one-famil-y, two-famil- bulMi'ngg.. 14. Must ' i , . - I use specified, boildlng material? No, you are Investing' your own money (even "though borrowed) In better housing. There will be no restrictions on your rights as an owner to use such materials and employ such methods of construction as you may decide provided they meet-th- approval of the lending agency. 13. May I 'horrow to buy housing equipment? Yes, If the equipment is an Integral part of the improved Furniture, refrigerators, building. stoves, etc!, are movables (unless built In) and are not permitted under terms of your loan. 16. Where do I make .payments? The regular, lpfjUIl.nent pay.ments.wlll be made In person at the place of business of the financial Institution; or by mall ; or as otherwise arranged.' No payment shall be made to any governmental office or organization. 17. May I pay. the note in full before maturity date? - Yes, at any time. A reasonable rebate Will be allowed for prepayment, If charges have been collected In advance. 18.. May I pay more than one Installment at a time? Yes, as many as you wish, but such payments should be In exact multiples of the agreed payments that.1t. If monthly' payment is $10, advance payments should total $20. $.'!0, etc. not, for example, odd sums such as $18 or $25. ,f 19. What If I am late in making my payments? The maker must not permit his payments to fall in arrears. Should a payment be more than 15 days late, the financial Institution'! expense, caused thereby, may be reimbursed in part at the rate of not more than five cents per dollar for each payment In arrears. Persistent delinquency will make it necessary for the financial Institution to take proper steps to effect collection in fulL Note: If you are not eligible for a loan under the terms of the national housing act you may be eligible for a conditioning loan from the Home Owners' Loan corporation, which has recently established a reconditioning division. Any one of the banks In your community will advise you where to make your application. HERE'S TO HOW SAFEGUARD YOUR INVESTMENT Your own Judgment will tell you ' that you must Invest wisely and thoughtfully If you would reap the maximum in benefits from property Improvements. Here are a few points to remember: 1. Select good workmen. You should personally know the contractor or workman who will handle your Job or, if not. check his reputation for responsibility and skill. Probably the only effective safeguard as to price it the securing of competitive bids. You should not pay for the work or sign a note covering the cost of the work without receiving a written guarantee. In Its best, sense. 2. Recondition No Item of repair, alteration or Improvement should be an attempt to conceal building defects which are If the work Inmore fundamental. volves a large expenditure or major changes In a building that Is, If It Involves alterations and new construction rather than mere repairs, It Is wise to consult an architect or engineer. Your saving will be much greater than his fee, which may be Included lo:. In thp 3. Consider the neighborhood and the character of the property to be Csts and benefits should Improved. he weighed against the building's fuIf youi ture and Its surroundings. application Is rejected because of conditions, neighborhood you may still become eligible for a loan by enlisting a substantial group of neighbors In a general neighborhood Improvement plan. 4. Increase the value of your prop, erty by at much or more than the cost of the wcik ahead? The spotted bower bird of western Australia Is able to accomplish this. Her usual clutch of eggs Is two, but the varies the number according to the amount of food she will be able to collect for her family when they arrive. If a good season is approaching she will lay three eggs, for instinct tells her that food will lw plentiful If a long drouth It on r way, the glvea up domestic affairs entirely for that season. If mmler ate weather Is expected, a tingle ej Is laid. The mating season Is about six weeks ahead of the actual hatching, to she has to work out her prb-- . lemg well In advance. Peere Privilege A hangman's wages Is not one and (30 cents). It used to be the sum paid at Tyburn ex- - three-halfpenc- e dept In the 'case of noblemen nvho were beheaded. iThe'y weqe experted to give, the ertcutloner as moi-l- i as 7 ($3Ti) for chopping off their heiida. If a peer were to be hanged today he could'clalm' the privilege being "suspended by a tllken cord-- Lr tyrtf t - mBIts. . ,1? , . , .! " DO YOU SUFFER FROM NEURITIS? American and European $cieri-- ; tists Agree That Mineral , Water Is Beneficial i'TRY THIS NATURAL WAY, People spend hundreds of millions of dollars every year going to the great mineral water health resorts of Europe and Amerkai Many of these people have to travel .thousands of miles. Many of them ... were ' suTTcring untold pain "from "rheumatic" aches; Irom arthritis, from neuritis, from, gout- Others suffered from certain stomach ailments or excess acid or sluggishness ' ..j era general rundown condition. The scientific and medical records of Europe and America show that a very large percentage of these people gained blessed relief and help by these natural mineral water treat; ments. Today, however, you "do not have to travel long distances to parta!;j of the healthful qualities of fine rh:ural mineral water. You do not even ha e to pay the excessive cost of ha.vit:? it shipped to you in quart or gallon containers. For Crazy Water Crystals bring to your own home the precious minerals of one of the world's fine mineral waters in crystal form at a great saving in expense. To Crazy Water Crystals absolutely nothing is added. All you do is add Crazy Water Crystals to your drinking water and you have a rrcat mineral water which has benefited millions. If you, or any of your friends, suffer from "rheumatic" aches or pains we suggest you investigate Crazy Water Crystals at once. Just ask any of the millions of people who have given them a full and fair trial and you will realize how beneficial they have been to so many sufferers. The standard size box costs only $1.50 and makes enough mineral water for several weeks treatment. Crazy Water Co, Mineral Wells, Texas. ' ' - ' are for sale by dealers displaying the red and green Crazy Water Crystals sign. Get a box today. Salt Lake City's fewest Hotel t4 l. 'hunt HOTEL TEMPLE SQUARE 200 Rooms 200 Tile Baths Radio connection in every room, RATES FROM f 1.50 Imn appantt ERNEST C Mormon TthtiumU ROSSITER, Afgr. , , |