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". Borrower repPAYys $3,000 Aat an effective rate of 5% per annuwn) | A monthly payment â€"of $10.62° with terest »eredited each month will, at Ee ‘end ef each bal year, amount to $118.90. The following table, therefore, ‘shows how monthly payments Of ~$19.62 equivatent to a halfâ€"ygarly payâ€" ,ment of $118.90 will completely pay off. ‘a $3,000 lqan in 20 years; it spows the iprmcipal amount of the loan which ‘remains outstanding at the end of each half year period, and the division ‘of each half yearly payment bet.ween principal reduction and payment of to be Owners Equity .. N.H.A. Mortgage $3,750 100% ‘The National Housing Act Mortgage:â€" Dominion â€"of Canada‘s Share...$ 750 Londing â€"Institution‘s Share...... £,250 mination should first be made to deâ€" termine the cause. If the place is over a shallow rock or has beenâ€" burnâ€" ed by too much fertiliser, the correcâ€" tion is relatively simple. If it is not possible to remove the rock, a hnalfâ€" andâ€"half mixture of peatmoss and soil will hold moisture better. In either case the soil is loosened:â€"to a depth of several inches, racked lewvel Md then seeded. Proper Care of the Lawn During the Summer Months ally not even considered, though it is just as important. For instance, one Of the best. seasons férmfinguphwdwsmthehwnis midsummer. ‘They are graded to proâ€" per level with good compost and rolled several times until the soil is packed and\ then once more Slight concavities wi Sometimes lawn webworms, the larvae of stmall white mobths seen usuâ€" ally at dusk, infest the lawn and cut off the grags theâ€"roots. The cure is either . kerosene emulsion or pyrethrum. extrac‘t Pyrethrum is mixâ€" ed with water, ont-hulf ounce to one gallon, or about 1 to 240, although 1 to 500 is‘ sometimes effective. sene: emulsim is made by dissolving six ounces of . hard saap in one quart. of boiling water. â€" To this (after removing from the stove) one quart of kerosene is added and mixed. thoroughly for sbout ten One quart of this stock solution is used to fifteen galloys of water. Both pyrethrum and keroâ€" sene emulsion.are applied at the rate of one gallon to one squsre yard of interest. through the filler. beetle, â€"Mayâ€"beetle or Japanese beetle, maunde af leadl arconata t 1 MA five pounds of lead arsenate to 1,000 square feet of lawn is applied in June or July when the grass is dry and (By M. M. MacGregor) Most gardeners take it for granted that Summer maintenance of an estabâ€" lished lawn includes mowing, sprink!â€" ing and perhaps the digging out of a few weeds. But the reést of the #ory of effective lawn maintenartce is usuâ€" Sometimes bare or brown spots occur in midsunmer, and these must be The best control for ants is usually a thick healthy turf. They attack a sickly lawn much more readily than Pyrethrum also controls chinch bug, hich will â€"cause brown spots, To eat a lawn infested with Asiatic tion of Part up soil invites their depredations, carbon bisulphide or calcium cyanide may be injected into their holes. Carbon bisâ€" ulphidemustbeusedwtthemaeau- tion, Aas it. is highly mnammable and deeadly as a gas. . Nmo!tdtbefungousm poundsâ€"are quite satisfactory. Some organic types can be purchased under t!‘hée names; or one can ute corrosive sublimate (mercuric chleride), a viruâ€" lent poison,. or mercyurous chloride. Three ounces of vither to 1,000 aquaere feet of iawn is the recommended apâ€" plication. The chemical is mixed with about a peck of soil, if used «iry, or the same emount to fifty gallons of. water. . In either case the lawn is thoroughly watered immediately afterâ€" Fall fertilizing or mulching of lawns frequently causes "snowmold" in the North, so if feeding was neglected in Spring the best time to apply fertilizâ€" er is late Summer. At this season, exâ€" clovers are used. S A healthy, vigprous lawn will mr- lllm yo a leng way toward ehoking out Fand ‘weeding of armail patches or atnzle varieties ~like ~â€"plantain or dandelion is the best method, but when earlv-Summer appncauon ot ammonâ€" ium sulphate, iron sulphate or sodium chlorate will kill the weeds without permanent injury to the grass. â€"The lawn will be discoloured for some time where these chemicals are applied,. but will subsequently green up. Iron sulphate is used at the rate of "’f! LCE