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Show ‘Tuesday, October 12, 1971 THE HERALD,Provo, Utah—Page 15 Helpful Hints for Home-Buyers By DOROTHEA M. BROOKS loan associations which make EW YORK (UPI)—To the more single-family home mortuninitiated the intricacies of gage loans than any other type financing what may be the of financial institution. biggest purchase of a lifetiime Eaton explains: may seem almost reason There are two kinds of enough not to buy a house. mortgages: the govern- Nearly two out of three ment-backed kind, in which the American families own their lender's stake is insured or homes, however, and the vast guaranteed by a government majority financed their purcha- agency such as the Federal ses with a mortgage so there’s Housing Administration (FHA) really no mystery tc the whole or the Veterans Administration process. (VA), and the so-called “conLewis S. Eaton, president of ventional” mortgage in which the United States Savings & the lender assumes the risks. Loan League, Chicago, has nut Down payments—the amount together some key facts to help explain the whys and where- FUNCTION OF U.S. PRISONS. To punish or rehabilitate? Until the public finds answer, reform is unlikely. Public Cool to Prison Reform By TOM TIEDE NEW YORK— he first prison I ever saw was a jail in the courthouse in Kalispell, Mont. That was 10 years ago. I wroteanarticle about it for the local news- paper, I said the jail was a dungeon; it was old, damp. York have been known to refer to their nightsticks as ard minimum rules” for Countless times in the nation's maturation, individuals and commissions have prisoner treatment. Containz such ancient pleas as the separation of youthful of implored lawmakers to in- inals, the prohibition of cor. poral punishment, and fair still decency in America's jails. smelled of urine, and broke a state law whichprohibited underground lockups. Oh, my, everybody was up- set, The police chief screamed, but so did the townsfolk. And there were promises of reform and refurbishing all over the county Recently, I called to in- quire about the Kalispell jail It’s still there, unchanged. “It’s got a coat of paint now,” says a resident, “but that’s all.” And so it is that, as the events at Attica and San Quentin continue to give way to widespread promises of better tomorrows, you will excuse my yawn. Prison re- form? There will be some. But I expect not enough, and not soon enough. Myskepticismis rooted in history. Men have been hawking penal reform in America, withlittle success, since the days of witch floggings. Witches may no longc;> be beaten, but flogging is still sometimes used in Arkansas institutions, there’s a whipping post standing in Delaware, and the guards at Attica in New Reform? The United Na tions has drawn up “stand: “nigger clubs.’ One blue-ribbon comf act ry ago said trials for all. To date, no na- real price of absolute reform would be somewhere around deplorable” that including the United , has madethese rules men came out of prison worse than they went in. But berless reasons why the end- nation’s 4,037 jails, 86 per has seldom manifesteditself There are, certainly, num- partment revealsthat of the less talk of prison reform cent had no program for into action. One reason is money. There just isn't enough of it budgeted to give recreation or exercise, 89 per cent lacked educational facilities, 49 per cent had no medical conveniences, 26 per cent had no visiting rooms, and 1.45 per cent no toilets. The primary vocationaleffort in Indiana's maximum security pen is making license plates. Eight hundred men are shoehorned into a New Orleans Parish prison built to hold 400. Cells are so cold in the Graterford, Pa., institution, the inmates say that ice forms three inches thick on the windows. Lock-stepping road gangs still thrive in the South. In the North, heroin addicts are tossed into stone rooms to sweat out their horrors on their own. As for rehabilita- the moon. And this brings up the most obvious barrier to ers who are handled every believe that lawbreakers “nearly enough.” How muchis enough? No. body knows. Most of Amer. ica’s lockups are miserably outdated (60 date to the 19th century and 25 go back to the Civil War) and need, it’s estimated, about $15 billion worth of reworking cr renewal. According to the Joint Commission on Correctional Manpower and ‘raining, tion, one Senate study indicates that only 2 per cent of the nation’s jail population there is also an urgent need of 25,000 more is currently being exposed to any kind of reconditioning program. prison proba- tion officers, 2,500 psychologists, 10,000 teachers, 5,000 CIGAR DAA SHEER measured 9% by 7% inches. It was bi pug Wank = tyza cast in bronze and expertly finished in a dark-brown patina, much the sameasthe color and finish of an old penny. At least 100 repro- Klaber Co. of New York and offered for sale in 1907. Each ARsLiiles OF> atari iy7) made is housedin a private collection. Victor D. Brenner was born in Shavely, Russia, June 12, 1871. His natural the was serially numbered and mounted in green marble. The plaquette illustrated above is an expert reproduction of the original, reduced to 1% by 2% inches and struck by the Medallic Art Co. of New York City. The same company made the dies for the first Lincoln cent struck in 1909. Brenner's self-portrait made in 1898 is faithfully reproduced on the plaquette reverse, The original of this work measured 67 by 101 millimeters and was h engraved, but app this uniface was never cop: ied, becausetheoriginal from which these dies were under his father, a dential Art Medals has produced a rectangular medal CAIRO (UPI)—An Egyptian depicted two students suggesting they move atop Cairo’s 560foot tower to await their final m results. t way, ‘one was saying, it would be easy to kill them: + selves, if they failed, ‘The cartoon was meantto be funny, but it can only be described as black humor. For, in Cairo, students top the national suicide statistics and the failure of annual tests ranks as & principal reason for these deaths, ‘This was the sober fuct cited in a made by the newspaper Akhbar El-Yom that billed summer as the “suicide sengon” of Egypt. Byand large, people still should be punished, not just penalized. Never mind that half the peoplein jails today have not been convicted of anything, Never mind that Is relittle more unfortunates. People are frightened by increasing crime, and are in no moud to recognize degrees of criminality. A farm- er wholives near the Nebraska State Penitentiary The League is a for the country’s Industry's Infighting (There are private mortgage insurers who will guarantee a portion of some conventional loans.) Government - backed in 1908, President Theodore Roosevelt commissioned Brenner to make a medal {or workers on the Panama Canal and, through the numerousvisits to Brenner's studio, the two became close friends. On onesuch visit, Roose: velt was shown the Lincoln portrait executed on the and was so im P that he commis sioned Brenner to de sign the one-cent obverse the first loans require MOVIE RATINGS For Parents and Young People The objectiveof the ratings is to inform! parents ability of movie} During these hot months, its survey showed self-inflicted and housewives accounting for almost 50 per cent of thetotal. The heat, final exams and the submission of annual tax returns in July were cited as the main causes of phenomenon, this CORAL American Fork Show 7:15 p.m. payment, you'll know the appraisal showed the property overvalued, Eaton said. you own the property, this survey will be your reference document in determining your property rights. —The title search. When buying a home you also must take out an abstract of title or down as much as you areable, buy a title insurance policy, still allowing a cash reserve for depending on the laws of the the expenes that come with a state where youlive. new house and for emergencies, This protects the Jender in NEW YORK(UPI)—A batiie The smaller the mortgage loan case anyone disputes your right inside the airlines industry —and the shorter the term of to the property. For an which the supplemental (char- the loan—the smailer your additional sum you can extend ter) carriers contend is aimed monthly payment and the total oe insurance to big own at “killing us off” is getting amountof interest you will pay hotter as hard-pressed sche- overthe life of the loan. A general rule is that your duled airlines fight to improve profit positions, monthly payments for loan sign your title rights are principal and interest, real good secure, Eaton said. estate taxes and hazard insurchairman and chief executive of ance should total no more than Overseas National Airways, the your weekly gress pay, Eaton largest domestic supplemental, said. He explained that savings and says the fight could hurt the entire airlines industry as well loan institutions favor ‘“‘convenas erode public rights to low tional” mortgages because approvaland processing charter rates. are speedier than under sane In a July 7 speech to the ment-aided programs. Which. National Aviation Club in ever kind you get, however, the Washington, ONA President J. most important features of the W.Bailey gave details of how mortgage process are: rough the fight for tourist —Your application. This iderdollars has become. He quoted tifies the property and gives F. C. Wiser, president of Trans basic facts about you,’ which World Airlines as saying, “We may be verified by a credit check. After your applicatcon is are going to have to meet them approved, you'll be given a loan (supplementals) head to head commitment. This spells out and when we do they won't be the amount and terms of the loan you'll get after other steps there anymore.” AESTRICTED “$1,000,000 DUCK” iW our‘Won ‘onttge Pac(GB) Wo (Bruns recov {THis SEAL GEE) OF THE KATION PICTURE, COUE OF SELFREGULATION and real estate This system volved Cook Raps Proposal undertakes to make the payments and handle the paper- Work because of the essential nature of insurance and taxes, Taxes, smecnly, have been onthe fi home a an le, he said, aailAndie it more cca to accumulate funds for their rea!estate taxes on (his pay-asyou-go basis, —The mortgage “‘closing.” Depending on where you and many other factors, you | FRIENDS STARTS TOM ORROW 2nd SMASH WEEK! R OF 8 ACADEMY AWARDS INCLUDING BEST PICTURE A AND NOW, THERE REALTHING! KCPX and IRVING ROBERT STIGWOOD & nee nator pala =i74a) AKOOOThITE Pela D-Utah, to deter tobacco farming could be expanded to other products linked to human disease. Cook,in a prepared speech for the National Association of Farm Broadcasters, commented on an address by Moss recently in London in which he told af his anti-tobacco campaign, Moss hasbeena leader in antitobacco efforts in the Senate. Cook represents the nation’s leading tobacco-producing state. Cook explained Moss reopoess to retrain tobacco farmers to grow other crops. During the transition period incomesupplements would be establi to tide the farmers over. Wuthering .., Heights . BIG ACTION CO-HIT | JOHNkeine? WAYNE! (Glee “RIO LOB” a & TIM RICE avi apKee aU CEN CONCERT PRESENTATIO Cast of 52, including Yvonne Elliman and others of the original cast album, full orchestra and choir. Entire production under supervision of Andrew Lloyd Webberand Tim Rice TODAY SALT PALACE ACADEMY BEASTS: 6:30 10:07 FOCL's: CO-HIT AT BOT JAMES GEORGE ‘Crewarr KENNEDY, & Glory, ONLY W.Va., 1935, A time to run for your life, a Something is after Jessien. Something very cold, very wet... and very dead. TIMP DRIVE-IN OPEN AT 7:00 SHOW AT 7:30 TIMP TONITE AT 6:30-8:15-10:10 Paramounl Pctares Presents A Dhatles B Moss, Jt Production “Let'sScare MGM'S THIS WEEK: TOYMMORROW! the ultimate trip STANLEY KUBRICK'S 200I:A SPACE ODYSSEY rey Hoxman Jonas and Raigh Rose rote by Charles B Muss, Jt tinct by thn Hancock Color [GPHay, | Peanoant Perse oe ENDS TONIGHT! en 2 COMPLETE SHOWS THEATRES 7:30-9:45 SHOW 7:30 & 9:40 SAT. MAT. 2:00 GREATEST WILDLIFE SPECTACLE OF THEM ALLS {winner oF 10 ACADEMY AWARDS! "GONE WITH WALT DISNEY'S mLIVING DESERT Os TICKETS 4.50..5:50-6.50 Tickets at SALT PALACE BOK OFFICE MMICKEY’S MUSIC, Rrighom City SEARS in Logon FABUL6US FOUR Jessica HURRY ENDS TUES. EXCLUSIVE! FIRST DRIVE-IN _ SHOWING! CALDER MARSHALL TIMOTHY to protect the lender and borrower alike, Eaton said. The lender “Tt is clear that the route i”, the iG] fae ES ADMITTED. |gp) | Ri: premiums G. F. Steedman Hinckley, 39, contact for viewing by their children, deaths double, with students | afterward that you make a —Escrow funds for taxes and her than normal down j smaller cash carriers have escalated the most savings associations tovendetta against us,” said day you don’t have to be a Bailey. ‘Plagued by recession, saver to get a mortgage. That the key. That’s what I say.” their own over-capacity and idea, he said, is a holdover Reform? Not likely. Prob- exaggerated of competi- from the 19th century when ably, asin the Kalispell Jail, tion irom us,notions they are at work savings institutions were just a coat of paint to hurt or kill us off and all borrowers had to be savers too, completely.” ily [fe This was the first time in may wish to expand the basic amount of the appraisal, but if coverage to all of your own the loan officer suggests interest in the property. down payments. It is wise, however, to put puts it for many: ‘They did wrong or they wouldn’t be in here. I say throw away “In other words, productive or plaquette, The Victor D. tax-paying tubacco farmerswill Brenner Centennial Pla- bereduced towelfare dependents quette is available in an unnumbe unlimited bronze while Senator Moss and his experts tinker around in an issue, along with 1,000. seria numbered pure-silver effort to discover a new cash specimens with, an antique crop,” Cook said. Cook noted past effor’s by finish, One hundred were Moss to kill the nation’s tobacco struck in 1/10 14-kt. gold. filled with a 24-kt. gold fin support program. “Tf this misguided effort to ish. wipe out the tobacco support Interested readers may write Mr. James Harper program for alleged public Presidential Art Medals, purposes succeeds, it will not be Inc, Vandalia, Ohio 4 p long before similar attacks ave for further details. Bronze lauched against farm support copies are priced at $7.50 programs for milk, eggs, butter, each, antique silver at $50 cheese because they are associated with cholesterol, and gold-filled at $95. NEWSPAPER ENTERPRISE ASSN.) (489-5401 Springyil Brenner perfected his skill as medalist and sculptor Students Top National Suicide ‘Stats’ in Egypt newspaper cartoon recently United that denomination to carry stone cutter and seal maker. From the time he arrived in America in 1890 until 1908, 1909, of the both mottoes—"“E Pluribus Unum” and “In God We Trust.” This is the first time Presi- and engraving was devel- oped history States a coin bearing the portrait of a real person was minted and the first coin in talent for delicate sculpture by Mort Reed Public attitude the lender's interest in the property of cash you must put up— KANSAS CITY (UPI) — Sen. Marlow W.Cook, R-Ky., warned in ductions were cast by the S. any true prison reform appraise r holds these --The property survey. As the taxes. The usually begin at 20 per cent of home the purchase price of the house buyer, custom demands you funds in an “escrow” account for sonventicnal loans although pay for the survey of the until the payments are due, at trade group some loans are made with as property's measurements and which time the lender makes savings and little as 10 per cent down. boundaries. During the years them for you. By Moss and, save for time and wear, it still reflects the strength plaque saying that $20 billion is too muchfor the nation to spend on the2.5 inillion people who fmually xo through Amernal system. Even a nation which has spent $25 billion to land eight men on convicts minimum human treatment. The nation’s state and federal institutions spendabout$1billion total to maintain 1.3 million offend day. This works out, according to Don Pointer of the American Corrections Association, to abou: $5.24 per day per adult “It’s not,” Pointer sighs, the famous Brenner plaque of Abraham Lincoln. Copyrighted in 1907, the Brenner $20billion.” It goes practically without for all this advice, a 1960 survey by the Justice De- The most renowned ofall portrayed ‘Dun’t quote me by name,” says one wary (yet in formed) federal corrections office, “but I'd guess the presidential likenesses has graced the obverse of our one-cent piece since 1909 character lion to the refurm price tag fenders from hardened crim The Famous Brenner Plaque of rists and God knows how many guards; their salaries would add another bil- must property that will be the loan’s be covered by hazard insurance against ne or other catasthat the appraisal be made on trophe. But as your equity in the lender's behalf, but it works the property brows, this protecto the buyer's advantage also. tion also ‘s for your benefit, The lender, Eston explained, cannot disclose the dollar For your own protection you security, Regulations demand first-time Airlines al personnel, 800 psy fores for buyers. —The property appraisal. —Hazard insurance. RegulaBefore granting a loan, the tions also require that the WEEKDAYS 8 P.M. @ |