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EXAMPLE OF THE VARIETY OF HOMES BEING BUILT IN OSHAWA Sundeck Boosts House Interest Have more fun in the sun by st a sundeck for fam- fly use. Whether you cantilever a deck so it's high in the sky or build a deck at ground level, your way of living and your yard will take on new interest, : Before you plan a sundeck, check the building codes in your city to familiarize your- self with the restrictions and to determine whether or not you need a = permit, If you have a new home, don't build your deck on fill that hasn't properly settled yet. It would be best to consult the builder if you have any ques- tions in that area. You don't always have a choice on the position of the sundeck, but if you do, remem- ber that the hours between 11.00 a.m. and 3.00 p.m. are hest for sunning, so locate the deck to take advantage of this and enjoy a bonus of shade on hot summer afternoons. WOMEN'S SHOES Leave apprximately %%-inch between each wooden decking strip on all sun decks. If there is too much space, women's high-heeled shoes will stick in the openings; too little space and the deck will not drain properly, If the deck is built as an extension of the house, try to place it at the same level as the floor indoors, If there is too much of a step down, build wide treads which afford grad- ual change in levels and which can be used for extra built-in seating. You can build a deck of in- formally handsome knotty pine boards close to the kitchen and a mother's supervision. This deck would make an excellent mud-free place for children to More Money Is Obtainable With NHA Loan The major difference between a non-NHA loan and the loan under the National Housing Act is in the percentage of loan ob- tainable. NHA loans may go as high as 95 per cent of the first $13,000 of lending value plus 70 per cent of the remainder. On the other hand, the loan avail- play, in addition to a convenient dining and barbecue area. You may decide to add rail- ings arid benches at the time of initial deck construction or wait till a later date. Make sure the decking and benches relate to the house and don't appear tacked-on. In addition to match- ing the style, paint or stain the deck a color that will harmon- ize or match the exterior color of the house. Size and shape of the deck should be related to surroundings, too. It your yard slopes apprecia- bly, it would be better to canti- lever or raise the decking on piers. Whether pier construc- tion or directly on the ground, there is no need for costly and time-consuming grading and foundation work. For additional interest in the total effect, multi-level decking can be constructed, producing a Setup arrangement of activity areas, Stair-step decking lends a dramatic aura to the architec- ture of the house and garden, | in addition to providing extra outdoor living areas. | DECK IN YARD You may prefer to build a deck in a quiet corner of the yard instead of a housebound deck, This could be a perma- nent platform. or king squares of a convenient size. The squares can be built indoors and laid in place later, allow- ing for the flexibility of lifting out a square for plantings, for moving an entire deck from one} end of the yard to another or reshaping the deck to fit new needs. Since your deck is an invest- ment, materials for the project should be carefully chosen and protected. If the wood is to come into direct contact with ground, it should be treated with a good preservative. After adding a preservative; you may not want a further finish, allowing beauty of nat- ural wood to age to a drift- wood shade. Or natural wood stains blend with any color and permit the wood, rich in grain and texture to show through. However, if your house and landscaping are of neutral hues, you may want a dash of Bay| color to liven up the area. able from institutions -- such as life insurance and trust com- panies -- making conventional mortgage loans, has statutory limitations of 66 and two-thirds per cent of the lending value. This means that in the case of a low or moderate-cost house, the down payment to be sup- plied by a borrower would be lower with an NHA loan than with a conventional loan, assum- ing equal lending values. How- ever -- and this is where the advantage of conventional mort- gage financing becomes appar- ent -- a conventional loan may be in any amount the lender is willing to make, provided it does not exceed 66 and two-thirds per cent of lending value. An NHA joan on a four-bedroom house is limited by regulation to $15,- 600, The maximum amount of loan available on a three or less bedroom house under NHA is $14,900. SAWDONS' (WHITBY) LIMITED BUILDING SUPPLIES "Before You Buy See Our Supply" © Sand - grovel - stone @ Stucco & Plastering Materials @ Shingles - siding & rooting Materials © Bricks - Cement © Cement Block @ No Co-rode Pipe © Tile Board © Arborite & Mouldings @ Sheetrock Plain and Wood Grain @ Rocklath @ Floor Tiles & Adhesives © Insulation @ Waterproofing Materials © Sewer Pipe and Flue Linings Distributors: CANADIAN GYPSUM DOMTAR ST. MARYS CEMENT NATIONAL SEWER PIPE PROMPT DELIVERY SERVICE 668-3524 BROCK S. THE OSHAWA 'im®S, Polday, May 29, 1964 19 Fire Insurance One Of Many Now Available There are many different kinds of insurance available to protect a home-owner's invest- ment. The type that first comes to mind is fire insurance, If you own an NHA-financed house it must be protected by fire in- surance for an amount at least equal! to the loan. For example, if you obtain a $12,000 loan you will need a $12,000 fire insur- ance policy on your property. In case of fire damage, the holder of the first mortgage, that is the lender, has first claim to the insurance money. There are other kinds of in- surance available to the home owner. In case of death, for ex- ample, it is possible to have the balance of the mortgage debt paid off through reducing term insurance, This special policy assures the home owner that in the event of his death, his fam- ily will not only be able to keep the house, but the mort- gage will be completely paid off A third type of insurance, liability insurance, is also avail- able to the 'home owner, This provides compensation to stran- gers and friends, for damages or lawsuit expenses you might incur if one of them sustained an injury, or if their property were damaged, at your home. . Remember Way Back Modern plumbing in those days was a thing unheard of. Today the modern homeowner never had it so good. Modern plumbing facilities have brought rise more ease and convenience to every housewife! How Many of he Following 'Facilities Do You Have!... © BATH TUB SHOWER DOOR © AUTOMATIC DISHWASHER SINGLE HANDLE KITCHEN FAUCET DOUBLE STAINLESS STEEL SINK ELECTRIC FOOD DISPOSAL SECOND WASHROOM It NOW! 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