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Show ,, - ' Satarday, August 24, 1940 - -- ' , The Deseret ' i , - Salf,Lake City, Utah Nt.i,ws,' ,40,et . - , . , Page 5 . , ort n C e. 1m. - ,,,, , ' , 1 Q-- n,' 11 C e TO 11 I t ULM k.....c,11.- - -- V' Is ,, overage BIroader, Better ; . .... I. , ,. Lowering Qf Cost On Nearly All Types Is Also Stressed ,. ,, , , , - BY S. JI. NIELSON ,:, ... ., -- .::: ,, .: -- , ,,Manager of the Real EState Department,of ,First Security Trust Company "The Old Order Ghangeth, Yielding ,Place,to New tp It is sometimes hard for uS' to realize how fully these prophetic words have: come true. Even in this century'we have seen new industries arise, the automobile; radio,- - aviation, an other lines, such 'and, we have also seen as the use of electricity, glass, d various textiles. All Of 4these have profoundly affected our kus iness and personal lives. Insurance has contributed- to this progress by assuming ' risks which Would otherwise make it impossible, or at least altogether too risky for an individual or Sinalf group of individuals to take the chance. It is the intention of the writer to explain and comment briefly upon several other forms of Insuranc.e designed to protect the home-owne- r from some of the risks of owning his own home. "GO0D OLD DAYS" We have all heard of the "good old days" when eggs were fight cents la dozen and butter was 15 cents a pound, but did Grandpa ever tell you that he paid $20 a year for fire insurance on his home,' insurance will take over the bun while a pres- - itruction, taining ties and con- facili- - t: co- , ,' 141k'A'''''' costs ' I . carry a full line of ()tilos and School Supplies, af4 FM as the largest stock of :BOOKS .in the Intermountain West. also We DESERET BOOK COMPANY Phone , 91 44 East Smith Temple Salt Lake City, Utah f E , . , N. IC K. IN. ., -- I -- ' ONLY , - ri r,,:,,., - n . . il -4:- ro - . tt ri-- . I , ,, I I - . . ' - I 4se , ' - ' 9Sc , i1 . , ' 33rd ' s L , NEW 'DIAL NUMBER . , ' , , . , ,. 1 - , ' 2 - i - ' ' ....11 - ''..-- -- ,' - ' , ':', 1, :: , ,- . 0- ,;-- i- '',.' :, ,..., - ,. ... 1 7 ,' ;i; ''... I , , 4")' ,1 ;, .,':f: ::::77','ow,::: - .,, :,,..;.:.,.;.. - ' - ., ,' ,.,:it.,,,,.;,:,'::::,,,,,:',...:: - ,: " -- -,- ??,,, - , 1,::,:; ,': .;,' .. - :' ' I. krk.r?'4'- -, :- ,,,K- '''""- :...,,,:,,,;,.....,....,..,:.:,,,:::;:,.......,.,::. , , , ,,,,. - ....,-....- ::::.: ...... ' ' ,. ' t' '" ' ' ,,..:.,..c ( ',..':.:,!7,..,i,,...,.:,,,,:,.:;:s::'". ; .:.:...,..,,,,mwrirr.1-7.1.t!....'-:.::1:;;;- ' W: . ' , :.: :;,., ::;;....i;:.,,, :; .4...,.,,,,....,,,,,, ... , .,, ... - ,,, .,4 ,:.. ,,,.,.,,,......... .;,...... 4 :,:,'' ,. 1! È :..,..::.,,..,.., ..., i .,..;:,:..4.,ii!...., ,,,,.A., .,...,....:...i,,:: .,....,:.0,..,.., 1'.::i.,, ,,, f .p,,,f; .,,,,:,:: ',5;52..',i., , ,..,:.,,, .. ,' .1 i:.,, ,,,...2i..;,.....,...,.,.. t,,,, : , ..,......, :, ., , . . .... i , ...: ,,,. ..... ( ,k, i. ::,,,,,: ,,' :;.3.7f.::::..-:i:::- ,, ' :,, ?g,:: f4 4 e ,,,z ......,,..,0,- ::.2.,!...,i ..,:,,E1.,k5,..,,,;,,4':1..,: , :.,..., :.- ',,- .....,,.,... !, ,..:.,..s.:,::: under-the-cav- e pieces. BUILT IN'S SAVE SPACE Built-ibeds have saved many an awkward bedroom, and If n with the .idea jn mind'of protection to the buyer, and he should ask himself the question, "What will be the effect upon me or in2i pocketbook if the contingency I am insuring against should actually occur?", example he has $7. ',"..,spend for ihkurance. For this amount he can biry a three-yea- r policy covering breakage of fixed glass in his home, or he can protect himself for one year against the claim of personal injury brought by somepne injured on or about the premises. Which should he oar nlyhenreestorceostinj conduct sthools for the further education, of employes and agents, r arid atetTwt to aid, the, home own- er in all his diffiCulties. - ',:12';',' k - 11:,, :11t ":" ,....:., ,,:i: ;:,:,:?;: , :.,..,,, ..,.......... ... ..,. .:: .. :. .... -- ....;.... ...: ..;.,1 "....,,:::::,:...it ' - ' '.. ' " up, too, -. - ' - , ' , ,, .' '' ',' - ' ' ' I i . - . bugarhouse bbuilding 7- I our ' ., i. : , ..,. , . . five-roo- ,- two-stor- . , .. I, HORACE 2 . CO,418 Clark brick, E. J. Street, four-rooBrookshy to Arnie ,Jensen, 418 Clark Street, Alma Jensen tO M. STRUCT1ON h build; L. Yale Avenue, 110111 to 10132 A. Anderson, bungalow; brick C. Levinson fire- six-roo- Cleveland Avenue, IL G. Goddard to Axel Stenston, five-roobungalow, WOODI3VRY CORPORATION Fifth Avenue. Zion's 'Savings Bank to C. L. Carlson, five. room 1145 Browning Avenue. HOLC to R. G. Peterson, five. room brick: 1564 Roosevelt Ave. 434 23 MALLORY BEARDSHALL REALTY CO-3- 004 Twentieth - East Street, new four-rpoand dinette brick home to Alvin Bowcutt; to build. A. T. Ball, four. room frame, Magna, Utah; 1900 Fourth East Street, frame, W. J.. Seymour; KA) West Fhat North 'Street, brick. H. E. Allen, , UTAH REALTY' AND ' CON. five-rom- to IMP. nosey Real Estate Co.. Lena M. Schulta,' sold by Wood. 'bury Corporation, four-rooand dinette frame: 1832 Yalecrest Ave nue, Dosey Realty Company to M. L. Baird, new five-reoframe cottage. sold by Woodbury p five-roo- , ' ,.; . . essi . ' , ti 1 .,,,,,'" , ( it , , I ti,.,,- 19( 0, '''''' 4 . A s'- 13, ., ; r .... Y 111, , .- 0 - ' The centre of all activity a few minutes from' Los Angeles, Hollywood and all points of in- 'ts! '',,,e; ' ' .000;-,00oel",- , - ' Mgr. Wed RI Hotel Ca rmel ,- ..4. . -- -- WIM . 1 y . - ir ' ,,,,,,. :.: y P i . l' ' ' ..$ :, sr.477'1'''''' 7 t- ' ;' - - In..; ...17.:;', , t -7 . tot', , ' e c ' . f ...LI' - ' , ,- - 1 . 1 - -- III to . e . - ,, - COMPANOLLAND:MICHIGAti 0:SPeiNGAIR . , ' ' t k N : :t'-'4');'- g, ell 11 , '... , la, - - Tt'ir . .-- '1,,.:11)'.'1',;,,r,tt.,04!;'- :.'fc ''--- , . , .,,,,,,, , , - "1?,,t'''".te,;''' '..?':f7i,Z, ,. ; j! C, . ' , wi,; 0 Ratified ' by 0....welleirreqs, . , , - Complete - . ,,,, , '', ' ' ' '' ' '.7:,:...-,,,,,,- ,,..' '- - ,,, . ' y y .!!. ,..eq3tm.seavw,A,N ,, - mSolinidufaEcEturCleudEll:yelsyTboyvELite aBdEi nD9DIFINuGr , . ... .. , ,,t,I;c:..,. AT Santa Monica, California I - .. - . , , , ; 11 Comfort for Keeps LS ''''. .. terest: Where the ocean, breezes give you perfect comfort. Sports of- every , nature for yOUT pleasure. 1 - ' '''' - ol6iN,A . , . roe , i' Santa. MonicaPerf- ' p - 0 Comfort that fits Cs.4 lentifically X t . e :6111.1.1.11111.1.1.1.1111111111111111111111111111.1.1.111111111 , ( weather fora grand ' the time to relax at '''', , , !'l ,,, . - ect, , , t"' ,I , 1 '"'''It nu 1. . 16.810 1 , . ,,.... , , f , sae cr. . I in - - , five-roo- This year spend your time - - Lumber And Hd WI. Co., ,, : ''' SICHAIDS, M., O.. ASHTON, Pros,,, , : 1174 East alit souds . windows seems' almost lentils. tic. Yet, windows can be the most distinguishing mark of any dwelling,. With the expedient placement of windows it is pos. Wits to capitalize on the mut,. rounding landseape so that it ttACORTTIPS a part of the interior of the khciuse. Bidriging the outdoor scenery Inside offers many effective and decorative arrangements. A window thet frames a beautiful tree or landscape makes a living picture for the wall that changes pattern with the seasons: a plc. that is truly beautiful and p..!re unending interest mers to Etta Cook, vacant lot, will build; 1832 Herbert, Jewel Pearson to Paul Summers, five fire brick; 1917 Herbert, Larson, builder and seller, Rail to A. G. Agulter, 2055 East, Ninth South Street, J. R. Anderson to S. W. Elleson;'will build colonial: 434 East South Temple Street, Ella J. XelIv to Gerhard Backer, 111318 ,Linenin Lane, Axel Stenston to H. G, Goddard, colonial and one.half acre of ground: 212 Ninth East Street. E. B. Hanson to W. IL fivAroom Thomas, bungalow: Thirty-fourtSouth and Twenty-sevent- h East ,Streets. Archie Larson to Don White, one acre, will - the around ,ahouse Designing COOK REALTY COMPANY- -1974 Herbert Avenue Paul Sum. VACAT1011 ''''' D ea er ' , l i. -- - brick. semi-eoloni- . ' - opportunitios, that t e d . If you ever may never expect. to own your own home, take , the unanimous advice of building' ex- ports . . . build now. We invite yott ' disEussion of ', to come in for et helpful ' your i'r plans, - 4..- , Today offers ''..,". 4,, -- s o, - , , - "'",.', , y six-roo- mix through the Belo Restfid sleep On comfortable' mattresses, springs and pillows helps to promote good health and prevents the irritability that., comes with lark- of proper rest. .-- .2 rurpose . buy a home for four thou. you Irt ' son.; cyoun 're Joolishto 11X . Iv. and every indication points to the fact that, if you'wait even six months, build- i frig and remodeKrrepeosts will be higher and interest rates sharp. ly. It 'doesn't look' like renting is a solution, either. Because rents will go ' Pr, 14,-- , - five-roo- r - ' ---- Windows Add Beality Touch five-room- :, , L. -,- ,,- five-roo- ,,,,x..,.:?0,akli,g,gt Aluminum 85 insulation for houses is not exactly news, but warmth, and it makes available the variety of insulating material benefits which formerly were now bc:ing manufactured is. The possible only on larger build, , ing sites. new type has one sheet of alumiIs no landscape Where num foil and one sheet of vapor---- - to k'frame"there nNeeor where-aresistant paper. It makes use of windows tionable view makes seem impractical, patterned glass the reflective properties of alumi- I. or glass blocks will completely num foil. The convected heat is but still exclude the exterior, reduced by the cellular construcbring in light:This provides both tion and the conduction is held privacy and light, and often dayby the small mass of the product. time artificial illumination can It is recommended for use in be eliminated by the Judicious floors and ceilings, as well as use of window areas. walls, for application directly to the faces of the framing members rather than between them, II , If ''. z...,k ks.,..,...,,4,.,7,,,,,..N, - New Insulators . ' Z.) :0: 5, The trend to larger window areas, often whole Want; devoted to flexing,- - bat; been greatly accelerated by the home builder's desire to blend' the exterior with the interior.' Better designed window sash, better and less expensive glass and increased ingenuity on the part of architects have made this possible. Picture or corner windows can be planned to take ad. Vantage of prevailing winds, to into the bring more ,aunshine I the dining room. living the- kitchen, or the bedroom. This means much in the interest of or winter summer coolness not build your framework until you have checked the springs .yrrt are going to use or secured the exact width of those offered In the stores. A spring and mattress cart he 15 inches :thick remember this in building your frame or you may get the finished bed:so high frbin the floor that you have td pimp in. BUILD? e , ' Possible - - ' ,,.... Improved Sashes, Glass Make Increase , Shall We Remodel or Shall We Rent? , ''' , ..,.. .1:... : , five-roo- :, .., ..:.,......, ..... ...t. ,: , :,:::.;.:;i..,-,:::::.:.- ;::::;::...: . . :. New Designs ;......,....:....,..,,,,,,,:,::::....:.:....... .. ,.. , . - , LargenUnder ... , -- ) ' :l. .,........, tilyon Home Builders. bedit temes 'ku , :,....',,,,,8. ...:. , , 8 the 1 s . rig - - is well to have regular good "toe" room. If the bed' is enclosed on three sides build two singles rather than one double it is much essie to make. If you build in a double bed arrange it so that two sides are Do open for ease in making. n the versonal injury protection , if he has an extra $5. be may also protect himself against breakage of glass. Insurance companies maintain the great Underwriters' 1,,a'bora ..tories in Chicago for the testing of ' hundreds ' of commodities which may be used about the home. Electric cords of all kinds, meChanical deves are all tested to See if they. toriforin to proper standards of safety for home Several- of t e companies ',,,''''Ciki .......,. SUGGESTIONS GIVEN Here are some built-i- bed suggestions: Make the bed space about sbc inches longer than a im.any msuocrhe. ,, .7411 ','.Z,! : n , ; : irl:;' .'Z'tl. ., , ., four-poste- lie is much more likely to have broken glass than to have some, one injured about the place, but the probability of the thing oc-- , curring is taken care of in the premium charge. Now if all the glass in the residence were to be broken at one tiny', it would be a most disagreeabisi loss and a very annoying one, but the total cost would probably not , exceed $73 and the average home 'owner would not be seriously crippled financially. However, if someone should be --Injured on or about the premises, it may cost the home Owner anyto several thousand do!. -- thing up tars. cases .0n riTnfere are ......... .:,.:,... :.,::.,.;;;;,::: ,: .::..:,..,, ' the bed can be constructed at the time the house is built it usually costs less than a furniture bed. Ninety out of the average hundred bedrooms are the same, four walls, two windows, a closet and the wall paper. The living roomi dining room and game room all seem to have had the benefit of thought and attention to the exclusion of the sleeping rooms, which fall into the usual stereotyped monotony. Bunk' beds have long been popular for boys rooms, weekend cottages, and shore homes, but there are other forms which beds can take, making them suitable for- - any adultbedroom. One such form takes its theme from a Pullman sleeping car coltbining the lines of the berth with the decorative canopy of the old another offers a solution to the problem created when a closet must be built Out into a room. By building the closet the same depth as the bed a corner is eliminated, the bed. octupies a minimum of spoce and extra storage room is gained under it. There are. nu-- merous for makbeds attractive. ing built-I- most furniture, particularly chiffoniers and chests of drawers just won't work. This situation is'found in many houses and in most attic rooms. This space be wasted because need not one is there piece of furniture the bedwhich can be, made to fit a low wall, saying full length portions for the taller , ' ..,,,,..::.:,..,...,.,.,.,::.;,;4.:,,,..:.:.:,...,. .i.,to, .rx,,, .,:, ., Problem Of Upstairs Rooms roofs ,produce low walls in upstairs Moms, against which ' r,,:,: :1::-::- BuiltIn Furniture Solves LOW 1:4 4 i! ,.:::::.,...:::.,:,:,,,;:,,,,.,., .,.:: - .,::' .1 k '-' 7 !,,,,' .,.,, ,4,,,,,...,,----z.- ,...:::.j...f,;,;42.i.','-..- ',.,.4 .: ;, ::! , :'', 4 ilks,. 4'4,4,, ''''S.kko., a;V;;,.- '1'144, ',. ,:,,- i :II i:;.:,4,E).;::C. cruo:tlineohreea!F'igures theu-laóPgl- Will East-Stree- 771 Window Areos , ...,,..,,': .; 1. ;:77,71,.,.::;.:1:.,.... i :,1,.:;::'' ::.:.''' .,.: :1,:..,, ,,:,,,,!::4,4,,: ,,,,,,,,, K''''.' zf, :, -. '"- ... . ... ,:, 4.:..,?,,0,..,.,.,..,:...,:.,.,,:....,,,,,:,,,,..::,,,,,,..,,..-;::,.-;- . ..: 7:,:,,.........,...f,,.,:..,,, , Ft: :k .:.: ;.Si:71F:',- , . .. .:. .. :., .:.,,,,, ?,;,:...,, ' . .:::...,l::," ,.,,,,...... - ......:.,..,.,...,. 7 , - ..., ".,,A,, ' :, :::7::.::::- .:: $,,,' --.:',14 ',12-- t, :: ,..,:,.t.t.:, .,,,: ,: . ',;,,:. ''.: '' '',?'",,, i z',,,:z:s :.; ,,, l. :..: - ; ,:,4 s ...,.:.,.,. , ., .,... 4 1 .... framle cottage was sold by the Homey Realty Company to Mr. Baird and the Mood. bury Corporation handled the male. The recentlx, put chased home of Frank Russell at 904 Simpson Avesemi. nue is a seven-rooColonial brick. Mr. Rumsell plfrchased his home from I ,,,,i y...,:.,:...:::,vt ':".:,,:.:::.-,.- 17 ' . ::7:::.,,,....;: ,..:in.,.,,..,. , ,,,,. ,:.:; , ,,... li:;.'. t......;,, i..,.. ,. ,, . ,, .; :,',:i:.,.....:...;.,i.:.,-;,- : ...:.:,:,..,:: :.,,... : ,., :.1.....,A t,.....,... ,,....,...fi,,,lir ,,,,,,,' . :!: I'. ,.i. - 4..f. .. ,... .,. ,,.... .ivl l''' ' 'i.. ,27.,,,"-;- ,z . : I .:, .:..:.;:,;.,,,,.:::,.....:,: ....... !.....:.,,k, , ' ,,,,,: ,,,,,,,:: , :... ..attitc.tiontYht..,ftvtlromll. I ..: ,',,,,:?' ... i I The new home of M. I. Baird at 1832, Yalecrest Avenue shows alrthe latest "tricks" in small home con- .. , ' ",,,,,: ........,, Sides ' :'' -, ......, ; ;,..: ,,:, ;;;;::".."..4;.':it.r;::7:i(ge.:4'':: , , ,,, ' .....,.....,!.:...., -- :'c '4 " , ..;. ,,.,.ot ,.i::',1, '''. .. - 1 t :, ;:i.,:x., .::,...T...,, :.:,,,,,::::,..1,..,...:,,,,.7.,.!,,t ,W ,?. ................. ,a.i,',..: ,..:,....:...:. 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" .,,,,:,,,,,,,, ,., , :':: '..:r. :. , -- , -- rws"."""""4":"""1""'""""""i'4,-...: ; ,::.11- :,,. ::. , ..,4,..cike,.,-- ... , ." ,'',", :::,,:r,!.,,:,:,.",,,.,.,,,,k.,:,..,49,,:;:::.:,:.:,::::,::,:,E,.,.......::ys,..,":,,,....,,,..;:.,.;.,,...,.,,..4,r,,,,,,e.,,,..:.71..:: ........ f ' 11. ,......1 .. t-i- furnished by the paint industry's research laboratory sare. used to , prove this fact. , ,,,' a A home which receives "cheap" paint Jott,,-- may ;.ind 'Beal estate sales In ,Salt Lake the paintisiscaling off. cracking. week pivked up slightly with and ,unable to resist the weather the beginning ofback to school aftee a year and a half. The of and the Pnding preparations painter is called in and points the seasonal slack period. Most out that the house must ' be of the, realty men polled this before it an be re"unpainted" meek said that they looked forBy this Ite means that ward to a marked inerease in painted. the scaled paint must be burn- salesc.and rentals during the fall ed or scraped off at an added period. cost Sales In Salt Lake as reported - On the other hand,-,:thhome by realtors this week were: owner who used good ALDER WALLACE, INC. 3f. still in paint finds his propert Sunnvside Avenue between Sixgood, condition after two years' teenth and ' Seventeenth East' wear. Further, the good paint to Streets, J. B. Cunningham,won't scale oft. Instead, it Fred M. Fowler, will build six:. 'tears down tA:y gradual chalkroom home; Glenmere Street ing, leaving a perfect surface north of Stratford Avenue,telarfor new paint. No burning and enee Tingey. to 'Earl S. Shipley: scraping will be necessary at ret, 3059 Eighth Hwy painting time, and no new primRiter to R. C. Wearing, five;r4fm: ing, coat will have to. be West and corner First southwest plied. In this case the use of InThird North Streets. Mrs. A. H. ferior paint would actually mean an added expense Instead of the Palmer to William Hanson, Merhoped-fo- r lyn Constructioin WM build saving. brick borne: 2730 South 14,tain Street, John It Stoffard to 2738 R. S. Jensen, South Main Street. John R. Stoddard to Ray 'Cowan, five rooms: 2450 Glenmere Street. Merlyn Merlyn Construction Company will build a shake house for Earl S. Shipley: 929 Old Of Light Blaine Avenue, J. riartch to Kenneth Musset, tivt-tiorbrick Supplemented 1481 Fifteenth East Street, g Wayne Buish to Charles Grace,' Windows In the, present-dabrick, colonial; 570 - trtterpretation play a far greater Bothwell Street.' Zion's Saviiig-rote than merely letting in the Bank to Leon Brown, vacant lot: light'and air, and keeping out 525 Bothwell Street. Zion's Savwind, rain, snow, dirt and noise. four-rooLeon Bank to Brown, ings To be sure these are still Imporframe. tant purposes, but today win. BETTILYON HOME BUILDERdows take on an esthetic signifiS-904 Simpson Street HOLZ cance because of their architoo. to Frank I. Russell, seven-rootural anti decoratrve value. , ' t , 4, -- ,.. 1.7...::...1,;.: .,...., .. ' .:3,,.: 1 ., 1 ...... , '...;'..! - , .... ' , ',:s.': .:::::::':',:::'::.:,.. ..... - . .. , ' , Is, riot only impractical but 'almosi - Impossible to save mort- eyn by buying very Cheap paint. It Raise ComesWitil End Of Slack ; , ' ,' - ' :.,.,..,,:::,..7...:::....,i......::::::;:.::::::,..;,;.t.:,;:::;:...,..,7,..,.,,,,,....::::::;;;;;11,74,.:itr..,..;,,,,:,,,,;:,....;,,.,;:,,.,..4........,5::::,:;;;::,;,....,.....:..;...;,.:,,,,;.;,..;:: :, .::: ::: use. , Old Number Was; 7777 - ;,;: $5-th- - s, I .. an4-then- ..' .::1 LI L:: linaking a Choice for the spending of the wise owner will buy cChrou:ssir 30c ,;::;:.,..i., ::1:.;',:,;:, sre3r5o0or ' , , ,, , .:...:... ,!..T,...:,!.:r :::: "7"A!,i,k91$1,,,.,:".::: .. ' c .., , ' ' , " ' 'I,. .1 ,:::. :::::. ':' 00:,.,, 0.:.,rso, - . . 1- :?: - .;:;,,0,88,,,8kz.,',98"85,8'5,- , k;::,4-,-;;,..,,:-:- I. 11- N etom--- --- '' i ..: .,,,......: a i -, fts' Period ,...,. ' ::4;,,11 r :,....:.:.:,..,: ::..., ,..;:::rf:-::'.',,:: .., ' Avail 1 e.,.,,..,,.,,.,,, ... ;take? 45c -,--- ..71::::47!"14'.- .- :'' - -- - k 5- : , a - : in- N. 13th 1 , . - 15 12 .. f', :,4,,,S,A,5-1.;t1r7:.:,:,,k4,5,,;:- tOc , :. .:.,,,,,,,-"-.--::iw.,:?- :,:,:,: 5o)4e?4',5,;,..-'';',4- . 7: i- ,.- - :.: 4 pldgdallf p...:, K. 25 . - 7.'" I".....'': 4,,,,,,,,iii,....,,,,..4. RATE REDUCED - ', 1.77.,,:4.,,,.,,i-f.,:--:ii:;:,,-4.-r.- ,..,',,,'''',,';'!.';1., f . , ,.? 4;....::..:..' ::,;;6,,...,:,::,,.,::;,4:77.:a;: .' i' GREEN CAB , '$,!' $ '''.4P:,... his real estate and personal property of any kind to the carrying out of this agreement. If the owner is unwilling to carry this risk, he had better cOnsult his insurance agent immediately. .Here, too, the man who hits nothing and injuries no one gets acash refund at the end of the year. VInsurance companies are strong ))elievers in the "ounce of prevention" and the result is a drop in two years from $37 to $25.50 for bodily injury and property damage protection with a possihle net cost of only $21.67 for a year. Frequently, people will say, "Of the thousand different forms of insurance that I might buy for my' home or to protect my home from the damage caused by my automobile, I can't possibly buy them all and therefore I wont buy any of them." The man who is buying insurance Is faced with the same problems as when buying anything' else. He has to make a choice, and the wisdom of his choice de- termines the real ,protection afforded by his insurance program, just the same as a roan might spend $25 for one evening's entertainment Or buy a $25 suit of clothes that will last him several months. 'Insurance should be ' bought Pencils ,'' Increase ..... - . .... ' - jriprsona1 him. He has further Fountion Pens and i,. ,., ,, :,,,,",,,,,111g I if, SHEAFFER'S ; ::.':, :'''',,'-- : - We Are Authorized Dealers for " POLICIES . ago similar protection would have cost $27.50. There are Many other hazards to which the individual home owner is subject. Accident or ill. income fleas may cut off the which supports him and his entire family. Accident and health r''.,.;,., I;-- :;;;;;,? ,,,,,:,;,..,..;.;,,,i;:,:;,,:pz:001''' surance is the issuing of many coverages in a single policy, a sort of package insurance. ?ne Cap now purchase a single policy t the home against pracprotecting tically all risks except fire. Similarly, for personal property one contract will protect against the hazards of fire, burglary and theft, destruction from a great many causes, with personal 1)roj). eriy covered not only tipon tile residence premises, but practIcal' ly anywher4'in the world. Present day automobiles .are a pleasure to behold and a joy to drive, but let an accident occur which causes personal injury or damage to some one's property and the owner will find that the nervous' shock is exceeded only by 'the financial shock. He will! find that in effect he has execui 1 ed an agreement to restitution for all injury and dam- a by the operation of to pay all hospital and doctor bills, attorney's fees and other cost or expense, including the full amount of any. judgment which may. be rendered against J' .,.,,. .. ahle cost: ALLEMBRACING only 810 per year to insure gai nst-fire. j T h r oughout of the f4e1d personal insur- IlIr. Nielson ance: we also .find a trend over 'tilt past sev eral years for broader, and better coverage at less cost. For exam- . ple, when fire insurance was ex- tended a few years ago to insure against damage done by ex- plosion, windstorm, smoke damage, automobiles, falling aircraft, and a number of other contingencies, the rate for this extendwas :30 cents per ed coverage ,'$100 for three Ayears' insurance. But in the meantime, the cover- broadened in sev: age has been eral particulars and' the rate reduced to 13 cents. Burglary and theft continue to be very common crimes and it has;: become an ordinary practice jot th4rhome owner to insure against these hazards. Here, too, we have a record over 15 years of constantly broadening coverage with ever decreasing costs Until today the average home owner locatedi in a good residential district can protection of $7.50 to purchase r $10-peyear. Three or four years ,.c.:,r .r,... ..: ..,,':7 breakage has become. quite a factor in modern homes with their 'unusually large win- (lows.. Even with ,the best construction, roofs leak, plumbing systems fail and water pipes break,.t All such contingencies may be covered at a very reason- - )44 nveni epees which Grandpa never dreamed of, :,:.' " - - - , -- :. , , den. Glass home of IM4dElegommomowol , c o n- - Eimilar . - . A ..;9., great-developme- ' ,..... , , , , a ent-da- , ::'11-'- ; . - ,, , ..., ,, , ' - - 1- '''',:.', .... i.f...L.,..5.,...,,,..t.,:;..-.,:,,,,...4..3,...- .. . . w ISales-I-Sho- .. Cheap Paint 111,rpst Costly Run In-Lo- .. . :. , , Ette . .. , .. ,..p. . - - . , .. .. , I 4 Real . , - , . . Illi , . , C it e . , ' - ,. S t . , - . , , . ., ,., - Dealers , nLit:Dre MFG. CO., Every. w,here. . ' . .. ti ' |