Evening Republican, Volume 22, Number 321, Rensselaer, Jasper County, 9 January 1920 — Page 2

"Owna Home Saving Clubs"

By WILLIAM A. RAPFORD, (Editor in Chief American Builder and Farm Mechanic*, CMcaqo.) \ , . . “W“ y HEN the people of the United States began to take stock of IMHSISHE what the war bad cost, one of W the greatest losses discovered W 7 it ‘ * was in homes. Not that any rvLTywWjl of those we had at the begin- / nlng of our participation inI toe conflict had. been desiroyed by shells, but for two years we had not built any. O xiW " Normally there are about half a million homes constructed - each year to replace those lost by fire, or through decay, an<j to take care h»a inwyioo in population. Consequently we found ourselves about a million homes short of our requirements. This situation was met, or. rather, the government attempted to meet it, by inaugurating the “Own Tour Own Home Campaign." Everyone was urged to build homes, because homes were deeded and because it was necessary to supply work for the many thousands of workers who were released from the war activities. But, for reasons that many were at a loss to explain, there were not and have not been as many homes Built as it was confidently expected there would be. The real reason for this fact, to my mind, is that while everyone-was--urged to build a home no method of financing the home building projects was devised, nor even suggested, by the government. , To meet this deficiency in the government s campaign, public-spirited Citizens number of cities dubbed together and furnished limited amounts of money to be loaned to home builders. The response tn this offer was so great that the funds available did not reach half .way. There were several applicants for loans to every loan that could be made. - Thus after nearly a* year of campaigning on the part of the federal government, Pie state governments, Chambers of commerce in thousands of cities and by organizations made up of public spirited citizens little has been accomplished, Every man of family wants a home of his own. He knows that he can build a home for himself end Ms family and pay for It while he is living in Jt. But be also knows that before he can build the home and move Into It he must have a certain atrn-nf money, small In comparison with the cost of the home, but large enough so that it to rather difficult to get it together. It’s that first payment that has balked the desire of thousands upon thousands of families to have homes at their own. It ls to make It possible for everyone to get together in any easy ipanagr a sum sufficient to build a home that I have suggested to builders, bankers and the pubHc generally the formation in every "Own a Hbme Savings clubs.and these clubs are already springing up in many localities. X _ .x. The initiation fee in an -Own a Home Savings club" is the desire to own_a_hqme. The dues, payable either weekly or monthly. are what the one who desires a home feels that he can Spare from his income. The benefits that the member derives from M* dub are many. First, he will have a home of his own. Second, he will save money. Third, he will have a comfortable place in which to live; it will cost no more monthly - than he pays in rent, and after a term of years he will Iga® the greatest of assets—a home of Kis own; alt paid for and rehdily ' convertible into cash. The inauguration of a “Own a? Home-Barings-Hoh- in simple. AU it requires Is initiativo-on the part of the bankers at the country. the ones who must start these clnbs. Andafter they are started I predict that beings member of 88 “Own a Home Savings club".wiUbe as popular as owning a Liberty bond SrTWb'waSdUTtng Beferw tonardddng 4the r * Hmnp Savings clubs” will be popular. Jet me explain morefullyhowthe plan is conducted, A hunk -rhat- faauirarates a dub should make it • semtrate department.- Just as the- Christmas dubs are. Spector, pass books palling for tte deposit of a certain sum at Stated intervals - be given th® members. - Tables showing exactly feng it wW depositor th© sum be needs to secure a home pf . klz vwn toould be prtpared. And knowing what ♦hut must be ls tbe vital part of this plan. for ■ LAB X ~ _ < •" a,-- murlen tho t nian of during Liberty bonds a success. of ft bond know just now much be cto v/* unrt c*vfictlv how* lonn if 4 ar « , W

member has fixed in hl3 mind a tome that will cost $5,000, he must have at least SSOO for the first payment Split SSOO up into weekly payments of an amount the club member knows he can save, and the goal, and the length of time it will require to reach that goal, will be known. Then the objective of the member is fixed. The next move In forming a successful club is to place before the people of the community the advantages of owning a home and to stimulate the desire to own a home that every normal manhag. ;" ' - ’ ■'' \ /■ To diverge a bit and to illustrate how astute merchants capitalize a latent desire, consider for a minute the methods of the makers of garments for women. They depend .almost entirely in marketing their goods on illustrations. There is -pot a magazine in which is not displayed pictures, that show the beauties of women’s clothes. Worn-. , en study these pictures, and as they study them the desire to possess attractive clothes grows. Thus is this desire crystallized into sales. . ..s. . ? This is equally true of pictures of fine homes. There is not a woman—and there are few men—who will not give more than a passing glance to a home design. They may not know ft, but It IS that inherent desire to possess a home that causes them to take more than a casual interest in this picture. Mentally they consider the advantages and disadvantages, the beauty or lack of beauty of the home they are looking at, judging it, of course; from their own Me© df wW i Hom* should be. . This dissertation on how the banker and builder can successfully inaugurate an “Own a Home Savings club" Is made to take those who will be approached on this subject into their confidence. It IS a “peep behind the scenes!” But ft ft has the effect of brlnging to the minds of persons who do not own their homes Some or their mental processes, thereby giving them an opportunity to analyze their feel tags on the subject of home owning, the revelation will be worth whiter - •' ~ Owning a home brings more happiness than the possession of any other one thing, •or several • things. We aU have homes, it is true, and take pride in our possessions. We furnish them to the best of our ability and in accordance with : our tastes. But this is as far as the man goes who lives In a house he rents. He has nothing to say about how neither did ta have anything to do with the planning of the interior. Just now, too, he Ip unable to make much of a. choice in exterior appearance and Interior arrangement; he takes what he can-get, and is thnnkfnl for four watts and a roirf.'" " ’ ® “HoW different is the home of the nfanwho has planned and built his residence. The* exterior of his-tame approximates his ideas of what is attractive; the interior arrangement conforms ‘to Ms- Meas of comfort and convenience. . But the greatest satisfaction of all is his pride of posses- ’ » The pleasure that comes from owning the home -is not its only advantage. Owning a home Business asset that brings many opportunltiq? for financial advancement. To the salaried man. owning a home means that he ia a plovee than the man who rents and haa ta tiaL. All other fthgngs being - even, /advancements la offered to the tame owner every time in prvferrenter., Aud-wben the time cornea Some owner has jux opportunity thatre-" bought, homes for no other reason than Ip prised the realization have greatly IncieasedTp We. one such man only a few da/s ago. He proudly told me thpt be had built a home paid he tad teeToffer^ 6^ Hta not omy Wa» .n home talldera do tSttta true, but fi y :■ ' v-5;W'

rvat SEp.

and in consequence has lived -. ,in houses owned by others. But be muetremember'that he has paid for those houses just the same, and something besides. House owTrersTtrennot'philanthropists. They do not rent houses to tenants from any altruistic motive. They are in.the.ga.me to make money. And the renter pays the profit they make. _ “Own a Home Savings clubs'* point XhF way for the wage earners and salaried" men to have homes of their own.-Theyprov Wea* easy method for everyone -to save for a. home.,.Bankers 2 wHl provide the machinery by inaugurating clubs. And within the next few thousands upon thousands Of persons wllihaye realised the greatest of all ambitions—owping the homes in which they H ve . . . -ox ;ssc;

TENANTS OUTNUMBER OWNERS.

The United States has fought all her wars to "preserve thehome,” and yet probably 60 per cent of her people-are tenants. Thiswas the text selectedtheother daybyUnit;ed States Senator William M. Calder of Nevy itok in an address before the New Yorkßeal Estateassoclatlon’s convention urging the-- necessity of-a national campaign for the creatioh bf hbifieSsTfe sail: "The object of each of our wars has been, in the last analysis, to preserve the home. Yet we find that to the ma^ori^of people lit thiscountry: ‘home’ means little more than a dwelling for which they are paying rent. What is worse, intho situation is that the percentage, of thrift rent pay-, era tegrovnng. ' J..., _ - “fn 189dwewere advised that 62 per cent of the : people in America lived uhderthe reirtal systein. In 1910 that the percentage had increased to Sfi, and probably the censusofl92o will show that fully 6t) per cent of the people will be clasSfegaA tenants.” Taxation oh the Home. The necessity for giving proper attention to real estate taxation was to tidflce in a paper by Harrison B, Riley, president of the Chicago Title and £rust company, which was read at the recent convention of the Meal Association of the State of lUinpis ln .aMunpalgn. in W paper add: "It is undeniable that real estate and. therefore, the home keeper, pays an increasingly unfair amount for support of the government and thfe Convenience of the people. A lasy indifference collection of taxes must be corrected, So that real „ estate bears only an' eqttarproportion of the expenses of government and of clvilizatlon with other classes ofproperty. jjfimwjiaT •« "Heretofore real estate his turn over 80 per cent of the revenue needed by the state, the several counties and .the unnumbered municipal und kc >- “Personal property, which equals or very likely exceeds the value of real estate, has escaped pay- 1 any fair prdiwrtlbn oF governmental expenses, & ’T Wotret that state constjtuttonjft>aß have only twtr general assembly That Bil taxes snairoe ox—*, ~ axrtrxgTiiiim ti for tn xfi 11 on aiid special assess* pent in the J? cifib taxes upon classes of - Kitai” 1 * 1

CHRISTMAS DAY.

th* hftUwHV. TIS 1 *He’s got a new sled ’" . ••Oh, ma! I traded my sled to Johnny Jone, fbr a pair of skates an’-a ata* rifle!" ' ~-V« .'■ ’* <•'*'. *i-^—- '/:'t? ••'•:. W i »i-. <

; ©ration of those who do ndt .own their homes are . . not merely theories—faey have been proven so manjfffeiusandsoftimes - tKat no 'one cem dispute them. The only reason that - the average man ' does npt owfi KIS home is feat he never made fee stark.' He has not fixed ip as an objective.

FURS IN DEMAND

Ll-. Worn I . ■ ‘ I. 4 A ' R-.ff •* ix. f “ Wtth Young Girls—Novelties in ( < Sport Modelo, b Handsome furs -fer-tnM*w4nter-wear are being featured at all the exclusive reports say that there are neariy twice as many purchased this season as last. MaaKW “Avenue?? and in the limousines one coats and scarfs that arg truly mognlflcent Indeed befiaehionably pressed this one must be fur dad or at least “fur trimmed.” Even hats are distinguished ;btts Of'fur, some Ingenious have fashioned entire hats from the' skins of/animals. 4 For the “jeunne fille” three-quarter coat is stilt: Those ypung girls who didi chase coats of this type late ,aon whoa they were first introduced, are busy shopping now fortfdff'tiopular model. Sometimes fh%Sfe' sport coats are belted, but more often they Jhlljin »:«raceful flare from the throat to the hips. Taupe squirrel is a happy choice ths yqnngeL eetwlth Hudson ‘Seal •CTw4filP w ---S'Another sport model recently seen at a fur shop was made.axcJlwlxe.be cause leopard skin allied Itself with French seal. The top of ibecoat was of leopatd 12 inches deep wlt>-< border df Iseal the same depth.— Tfife sleeves featured the same comblnatioa anfl as a final touch of cache there was a coltar pf pgal and a narrow b&rti’ * v

Nutria and beaver arewelFUked by many women and-shnwn pften.in.two tones' of ihe same. fur. For -instance, a seven-eighth-length coat of nutria was collared, cuffed and bordered with nutria of »-darker shade. - . For the large matron there is a gorgeous cape of broadtail fringed at the, bottbm/.A chinchilla collar added to the warmth at the throat and the apertures for the arms were finished with cuffs of the lighter fur. 21SAShort capes and shoulder- lengths are slll.keen with Ah interesting hip cape of sealfsbdted at the front and shoals a etunning col* lar of kolinsky. When one goesto the" theater or Smart restaurant she S v dolman mote or. sealthht 'shahlder "joti |We for is set og. rather full at the yoke and is draped lavishly at the hips, but narrows fashionably

SHIRRED VELVET BAG IS NEW

Attractlve M ode I. Desifined for EveningUae m Well asforDresasa Occasions. ' : " ”■ ' ..■■■■■-, 2 ,®ruisos— — Chiffon velvet shirred-on a green-gold frame makes, a bagfhat fs~snart enough 'to-be ti serious' ilVaf“ W g thp bead bag. which has held sway . for so long. There have "been many ties offered in.the past mpnths to take of but there was none, of them either dn manner or in design/ good-booking enough or elegant enough to attract any attention from women who really dress well./ ;S-.t $B.l This shirred velvet bag Is only Smart because the frame Ik unusual and v®cy beautiful, and the velvet is only a minor parC The frame 'fs green gokf and the shape is an elongated octagon With/ delicate etching. The passes tM foe wagr r and carried In the dress occasions, but Is har&ly/Buftable for shopping ' & A "

Very Useful Folding Work-Case

H«n<y Article Close. Together Like .H Book and Is Secured WftOyFX £ ©di' bon String.. _ init'O vd asi little ta ahoifti nm Resigned taxootaiit-scis-sore, foldß >■ gether like a te ' secured dr hen so closed aDd

Usefut Work-care.

mlght posKtbly find a place in the "'dresslfi'g-labli drawer. stiffened with pieces of cart pewn M between the silk and the lining.

OUTFIT OF BLACK AND GOLD

Milady is gowned for the most elabp--this stunning gown of btacfcand-gotd~ brocaded velvet a^ Y J

FASHION HINTS

* The la an essential i tenable, for. A New-Tork inventor., haa. paten ted a child’si«ufliA®J»W like-* Jdoll. s>tiz~. ' Black « - ; New York repor»M.W nlpg Very "adfee >r £ are* s - From Jndlcattehs. annitreL mole and . kolinsky probably .b«the most popular furs this winter. --■ a new -eotw -introdneed in and veils of blue, taupe, and black are 'OMaF Correct, - ■ *•■ .black v<Y§Cfllo slightly , drooping brims and Crowns ttnd inany-jof the crCwaa striped or touiache.

Dolman Sleeves in Coats.

Smart coats for limousine or promenade wear have the huge dolman sleeve which hi so sleeve has an armhole that extends from the shoulder Jo walstlW - from this 30g armhole the. S.leeyesW erb to a 12 or tMnchawidth atthe wrist A now coat of falsan brown TmUvia has the»e ddlhiaff «deve? eod* Ing in cW and -there is the ar® Set mUng from to - SZ'S~£ s 3t

Little Trimmings.

.poOoratiVßjM£ th® only trimming seen on some hats, the off-the-face type.

a. • y In-theHning, upon the left-hand side. into .which a small Mir >of sclsapts _om h 0,.. Slipped « pocket there are of jW yay tip tor holding .etaiQ- *W- >$ hatf et ihe of the caw Anrms,a. hwg* is v&Htra^--little - such as a jard part Ju reel of“CotSfi-Vound up<m K leaves Of flannel, <mt ,tato joints at the edges, are . Some--pretty little desist such as right-hand sketch. the front of the

Many Russian Blouses.

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