â€", ~BETTER HOMESâ€"EDTTION â€"How the Government Willâ€" _ _ Help You to Better Homes ito better their haomes. :I : inoted that the provisfons. . (are in force and house ; istll1 . take ~advantage ‘6f t ‘ assist financing. Some astute person once said ‘that _only the â€"unknown, was fearedâ€"and. it_, : seems only reasonable to go a step : *Mifther and state that what we don‘t Ne l 0 0 t 499 ty t 0t krow about, and consequently and in awe or fear severely" alone. Ignoring the Home Improvement Plan or Jetting i€ alone becaluse we gon‘t know very much about it,‘ and r.v-' : conseq plic: ‘pay roll, MUSTâ€" NOT HAPPEN.|! ‘ [Posglbly it is because the plan is so 3000 , 9040000 sw sw i simple and sounds almost too good tobe true that we mistrust it. There is no cause for mistrust or fear. The trouble ssems to lis in the fact that ‘ The Joneses and ‘the Smiths haven‘t 49 %â€"% l dnc h we heard much about: it, they don‘6 know what it is all about .. . the / speeches didn‘t come in very clearly on their radio, perh@ps; ‘Or they missed;thg isâ€" sue of their newspaper whlch gave an outline of the plan. d t _ _ Ags‘a matter of fact, general knowâ€" ledge abciut these 1dans, made by banks | for the most part, with money | not ‘ loaned by theâ€" government, but‘ ghar- antefld up to 15 per cant. by it; is adly lacklng _At a gathering of. young marâ€" $ 4e i h m L ns ns ;. Home Improvement Plan is Still in _Force:~Through Its E%? Provisions You Can Improve Your Home,y While the #A «* 2 «Plan Assists You in the Financing cf the Improvement. dills tp # #+ e ~¢- ~‘!Aberaï¬y hundreds of people in Timâ€" mins and district "took .advantage of the Home Improvygment Plan last year ‘4p better their hames. should be ‘moted that the provisfons 91 this.: plan aï¬#fl! in force and house owners can . take ‘advantage Of the HLP. to mv mmu PmE > , ME Iy“lb IWC plpvemept In lnauguratmg the‘ the government. had .Â¥wo chief<t? 'I'here may be some who do not unâ€" nd "all that" may be done under the Home Improvement Plan. Elseâ€" where in this issue is an article deâ€" tailing some of the various home betâ€" terments. that may be financed under. _ the Home Improvement Plan. Any . ~ bank, cortractor or supply merchant.fj._ can give you details. Perhaps you; qaay», +o want the particulars before approathâ€" ©. : ing anyone. In that case the follow- ing summary from The Canadian. 2 Home Journal last year based on an interview with Ron. Chas. A. Dunning,‘} _ Minister of Finance for the Dominion °_ will be found, interesting as as ~ . dn;structive Here is the article in, fu*L."' ' ‘What Everyone Wants to Kno'w o:maaa White me first need is nct as: presslng w-dgy t matt:er of housâ€" ing is still a vital" probléem‘ ‘for Canada. 4 s â€" n n th ut C mt p psequently being a bi fearful of 1ts lications, are things which, in a Canada trying toâ€"day to fully reâ€"estabâ€" lish iterlf, trying to take men off the relief rolâ€"and ‘put them back‘ on the 1mvy rnll MTIST. NOT HAPPEWN : 2 government. hadâ€"4wo_.chieéf<things mtndâ€"ato help relieve upemployment Uâ€"to improve housing conditions in Dominion _ Construction Corporation, â€" Limited ,,(w ,.Lv ul HEAD «OFFICE ~ TORONTO, ONT. Adian ~ n an ning," 5 inion. J fu*L."' -that' e nd. i. 390(Â¥ W s o is s 4 '_‘â€",F' ' Hem they are, and to pwt {:hem in ,.s concise a" form. as pos..zble we will C ,.Aliss tneq; 4sS questions and answers. _ e T. Q What is tl:us Home Impm‘ve-'â€;} ‘ xï¬en Plan" A: "It is a plan whnreby the present' f Sessmn of Parliament will enact legisâ€" lation enabling homeâ€"owners to arâ€" â€" â€"~range «nder‘ favorabteâ€"conditions _ ried people and some ‘not. so., young, the subject of ‘the Home Improvementâ€" ~Plan was introduced, and no one could *authoritativ ely answer â€" the question which arose. ’I'bse people were in tercsted Their homes needed attenâ€" j They wanted to: make oertain cbanges which were inditated in the. besttintemt.s of maintaining the mlue of their investment in their homes . but they frankly did not know wha# it was all gbout' ‘ The mian whose name was on thelr, tongues was the Konorable Charles Dunning . He was the man behind tbe plan His department has made the plan possible He would know the' answers. ‘« So to Ottawa the Canadian Home Journal sent its ‘representative, ~and evenmâ€"inâ€"the rush of the last few days before Parliament ‘ was ‘to open, Mr. time to see her and to:= ansm thé questions which the: Smiuhs 4+ ard tb.e ;!onns and. thsah' oomtempor- ies Wél’e i’lï¬ing- * en id .. A. "A period not exceeding three years." wok _7, Q. How does one repay it? A. "In equal monthly instalments ‘over the preriod best suited to the borâ€" recwer‘s financial condition." A. "A discount rate of 3%4 per cent. for a oneâ€"year loan repayable in equal for repair, extension and improvement of â€"existing properties."‘ 2.â€"Q. Who is eligible for these loans? A. "Any owner of a home (including a farm home, apartment, or flat) in gcod cm:dit standing." A, "Anyone, man or woman,. who holds a title to a ‘home whether it is mortgagzed or not." 4. Q. What is implied by "good creâ€" d‘ stahding"†A. "One with a reputation for pay- ing his kills promptly, and who has a reputation for being attentive to his business." ~ 5; Q much can one borrow? «~A..‘"Up to $2000." t . 6. Q. For how. Iong may the loan b° y made? A. "A period not exceeding three A. "No. All that is neecssary for you to do is to fill cut an application ym‘r banker will provide, giving certain inâ€" formation in regards to yourself, the â€" residential property you own and the improvement you wish to make. Your bank manager will have to be satisâ€" fied, of course,*® that you are the type of p>rson who pays his debts and that is sufficient to meet the monthly instalments as they come due. Thes» loans are ircended to be: based on character and income, not on colâ€" ~lateral security." 8. Q. How much will the use of the money cost? 3. Q@. Just what is implied hy the word "owner"‘? e en e eC ds dn is ying mm t in A. "Alterations and additions to exâ€" isting property, modesrnization of the plumbing, heating or â€" lighting, purâ€"_ chasing of new permanent equipment, roofing, painting, interior decorating, floots, furnaces, bathroom and kitchen renovations; in fact, any pr'oject inâ€" tended to modernize or improve a home already built and so add to its value. A separate garage on the same proâ€" _perty is also considered a home imâ€" provement N 12 ‘Q. Where can one get the money? _ A. "wWwe have made arrangements all the chartered banks which «. have their local branches in or near ‘every community in which nome imâ€" provement loans are likely to be reâ€" quired Arrangements are being made _ with a number of other companies ‘ _ whose business it is to finance the sale of plumbing, or other building equipment on the instalment plan and ~‘~he names of these institutions which are approved from time to time will be made available to you through the literature that will ‘be distributed by the National â€"Employment Commis~ sion." 56££My. insta]ments, and proportional rates for other periods." 9.â€"Q@. Can ~you give a specific exâ€" ample? A. "Yes. If you borrow $100 from the bank under the Home Improveâ€" ment Plan for a oneâ€"year note, yOUu will pay a discount charge of $3.25, making the net proceeds of the loan to you $96.175. Twelve monthly payâ€" ments by you of $8.34, each will comâ€" pletely discharge the. loan. No service or other charges may be made by the lendingâ€"institution.".. . . â€" : A. “BOrrowers wil be required to stabe the purpose for which the money is intended, and undertake that it will be used for no other purpose." e ol uie e s sn 10. Q For what purposes must the money tbe used? : 14. Q. Is a mortgage taken on my property? e A. "No." 15. Q Must I provide an endorser beâ€" fore the loan is made? A. ‘"No. All you give is. your ptomâ€" issory note." 16. What should be the first step in 11. Q. What do those responsible for the plan include in the term "Home Improvemem,"? obtaining a loan? 13. Q Will ic be difficult for me to secur? a loan from my local bank manâ€" ager? If your ceiling is too high, have the colour of the ceiling come down part of the wall to a moulding, or have a wainscot in a different colour from the wall, or have ‘wallpaper above the wainscot. .A horizontal motif wallâ€" paper will also reduce the height of the ceiling and make‘ thp room look larger. A.."You should first consult a buildâ€" ing contractor or, if you intend to do your own work, a building supply firm. Having obtained an estimate of the cost of making the improvements you have in mind, or of the materials if you intend to do the work yourself, you will then know how much you will need to borrow. â€" You may be able to pay in cash out of your own savings for part of the total cost, but the fack that you may need to borrow the full amount will not debar you from â€"getâ€" ting the loan. If you prefer to deax‘? with ycour contractor only, you may auâ€" thorize him to act for you in making all the arrangements for the loan." 17. Q. Would loans be made for out~ side improvements? A. "Yes, In the case of city and: town propertiesâ€"that is, urban dwellâ€" ingsâ€"the. erection or repair of fences around the house or lot are included, and so are grading and landscaping, private sidewalks and curbs, and driveâ€" ways. In the case of applications for the improvement of farm dwellings the erection or repair of fences is includâ€" cd, and farm dwellings are interpretâ€" ed to include barns and outâ€"buildings." If the room is small, or if the walls are broken up by too many windows and doors, paint the woodwork the sam»e colour as the wall, and have the draperies also match. This will give an effect of unbroken wall spaces and make the room look larger and more restful. It is also better not to use mouldings as a point of decoration in a small room or one with irregular wall spac«. , ; 18. Q.â€"Will these improvements inâ€" crease taxes? | P Pm DL s A. “Prohibxtmv tax increases on proâ€" perties improved under the Home Imâ€" provement Loan Plan is not within the jurisdiction of the Dominion Governâ€" ment, but many municipalities have already signified their desire to coâ€" copsrate by not assessing as taxable the improvements made under this plan." That brought us to the end of the list of questions brought up by the Joneses and the Smiths. and we indiâ€" cated this fact to Mr. Dunning, thankâ€" ing him for his patierce in answering the queries. "In working out the financial deâ€" tails we had only two objectives, in mind," said Mr. Dunning. "First, to make the plan as simple as possible; and, second, to provide funds at the minimum cost. I think you will agree that the financial plan could not very well be more simple than it is, for we have 2liminated what many are pleasâ€" ed to call ‘government red tape,‘ and we have also reduced necessary cost to the minimum. The plan is now in opâ€" €ration. The lending institutions are willing to do their part. You can go to them with every assurance of a symâ€" pathetic and helpifiul hearing» you. can satisfy the very fair and reasonâ€" able requirements which I have outâ€" lined, you can secure a loan to im prove your property and increase its value without financial strain. At the same.time, you will have helped your ccuntry and your community by aidâ€" ing in taking men off the relief rolls and putting them back on pay rolls, which is important!" Drafts along the floors are often caused by a space which appears beâ€" tween the fiooring and the ‘baseboards. Other cracks may be found around the window and door frames by removing the frames. Packing these open spaces with felt and plastic cement, and then replacing the trim will reduc2 these drafts materially. If spaces behind the frames are unusually wide, first apply strips of white pine, then fill in with the elt and cement. Plastic cement is also known as caulking putty and can e obtained from your hardware store or building matsrials dealer. ' HOW TO MAKE A SMALL *~_~ ROOM SEEM LARGER IF YOUR CEILING APPEARS TOO HIGH THURSDAY, MAY 12TH, 193;