S ees People Once More Owning Their Homes A recent interview given by Mr. Don Campbell, of Lebanon, Kentucky, presiâ€" dent of the Naticnal Retail Lumber Dealers Association, has special interâ€" est for Canadians. What he says apâ€" plies with equal force to Canada, Inâ€" deed, the interview might be accepted as completely Canadian in its entirety by the simple changing of such words as "Federal Housing Adminintration" to "Dominion Housing Act." The matâ€" ter of financing home building and home improvemsnt may be amply financed in through the Domâ€" inion Housing Act and the Home Imâ€" provement Plan. The intorview with Mr. Campbell is so applicale here that the article is reproducc:d below in full for its possizle value to readers of The Advance. \"There has newver been any reason why the average man could no: build a home for himself as far as the real estate, building materials, labor, etc., being available to him. What has held back most people, has been the lack of adequate financial assistance necesâ€" Today, thanks to the Federal Housâ€" ing Administration, we have a simpliâ€" fied system of financing a home that catries all of our requirements, includâ€" ing the principal, interest, taxes and insurance, in one loan, which can be paid off over a longz period of time, in payments, which in most cases, cost less than rent. Our National . Retail Lumber Dealers‘ Association takes a lot of credit for having helped write this legislation and fostering it through its early stages of development until it became a law. We knew that this was the greatest handicap our .justoâ€" mers had to overcome, and we felt reasâ€" onably sure that this would b> the ansâ€" wer. ~â€"Our faith h«s been more than justiâ€" fied, and is being renewed every day when we locok around and se> homes springing up on every carner. It is the reason why building has failed to show the decline that cther lines of business have experiensed during these last few months. How:ver, most people build, or buy a home, like they buy stocksâ€"at the â€" when everyone else is buying and the price is high. Today‘s building prices are consid@erably under what they should b», considerinzg the amount of demands for them, and this condition will not last very much longâ€" ed. Smart people build before a boom, and from here it looks as if the next few years will see just that in buildâ€" ng. Kentucky Lumberman Touches on the Situation T« as Compared with Recent Years. What He Says in Regard Applies Equally to Canada These Days. Now Is Time to Build Today‘s home is twentyâ€"five to forty per cent. better than the home we offered you in 1926, and to show you how quickly this news is spreading, we have only to look at the figures for the month of June relzsased by the Federal Housing Administration. Mortgages acâ€" cepted for insurance this June showâ€" ed ‘an increass of 60 per cent. over Jure, 1937, while fpplications for this insurance were 75 per cent over last June, all of which msans that now is the time to build while prices are at their present level. FRANK FELDMAN L I M I T E. D General Contractors, Lumber, Building Supplies Head Office Mill Office Schumacher, Phone 708 Timmins, Phone 709 LOTS For SALE n U â€" W A L L | ty ._â€" tASY 10 :s t hP On Easy Terms Ten Dollars Down and Five Dollars Monthlyv. 110 Pine St. 8. 130 Ti W A L L _ PA i N T % it‘s washoble, odoriess hours to dry! * If your walls and ceilings look tired, renew them with MUâ€"WALL,. The cost is little, the results are beautiful! Paint your rooms in the morning â€" use them in the afternoon. No brush marks, laps or odor, Choice of white and ten lovely tnts. Timmins However, when you want to put picâ€" torial quality into an architectural print, you must exercise the same care and study of the subject that you give | to the making of a portrait. | Consider Point of View l The first thing to be considered is the point of view that will give the ‘ most pleasing perspective. In general a straight front view is not as satisâ€" factory as on»> taken at an angle alâ€" though in certain cases, a front view is th»e cnly on> whicth will show imporâ€" tant features to the best advantaze. | ~Next, you will chcose the time of |day when the sun is in a position to produc> the lights and shadows which ! bring all the> details out in bold relief. i'Ihe importance of securing effective ;lighting is realized when you lock at a building under a flat, evenly distriâ€" buted liglkting and, again, when the rays of the sun strike across it, producâ€" ing broad shadows with brilliant catches of light. HIDDENX CAMERA PHOTOGRAPHMS BURGLAR Jnce More heir Homes ies on the \ltuumn Toâ€"day ears. What He Says in This Canada These Days. T more is seant satisfaction in a home $ financed 0 a o become a burden Amtricans have a native inborn love # # ‘ 10G1I C 1 V i V €C1TH 1i Nes W 111 W | Col 1 .Ay NÂ¥ 1 4 OW I = A'Al, C 1 ] #10° #4°. $ # $ (i: ‘: .". n‘. 4 j 4 t 4 J â€" W lIl re‘lIt Â¥ «A % M 1 i iE )4 CA C1 A T7 13 An )~.*08 XO F1 E[ 4 4 AA: â€" : A . Â¥ -n.:l ) »A 18 ] 111 1 mA J 1A "A } ) A ' € . new wWOrig 01 l WV t 1 384 W iL LA nere tO | t 1Vt ‘ 11L 11 _ IT 1 t $ Y 4 17 Flje i A A Il 1 4 4 4 I 4 % 2 .A") ' I ;) € ) 1 1% .‘"ll i} .llt : 1 CCI "A' 4 CJ A' 4 : 4 1 Bullt Tor permane2nce | Burden Grew Too Big | for cons ship and very virl ing a gri al woakt ancingz } (By Preston Jones) One ficld which seems to have been overicoked by many amateur photoâ€" graphers is that of architecture; and, yet, in almost every locality, are hisâ€" toric, interesting and quaint old buildâ€" ings which are temptinz subjects for tlm> pictorial camerist. It is very simple matier to photoâ€" graph a building and show it just as it appears. Point the camera and shoot and you will get a picture like those you sze in the windows of real estate dzsalers, Such photographs are perfectly suitable for use in selling proâ€" perty. sume our rightful heritage, a way open for us to make cour families safe and content. If the public will continue to avail itâ€" self of this equitable form of credit, fcr town and rural homes, it will reâ€" sult in a nation of home owners, unâ€" employment will be reduced to a miniâ€" mum, and our towns will again be suitable places in which to rear healthy, happy children. Quaint Old Buildings Good Photo Subjects Suggests on Type of Film and Best Camera to Use. the type of film to use. The colour Of tly> building and its surrounrdings will determine whether you will choose pan cr ortho. While it is true that many photosnaphers prefer panchromatic film and use it exclusively for archiâ€" tectural work, if there is no red colour or but littls red in the scene, and, particularly, if there is haavy green foliaz>, an orthoâ€"chromitic film will give the most satisfactory rendering. Burden Grew Too Big our ecaonomic system, which for century had been such that the irtuc rcsponsible for our becom* zrecat nation, became cur nationâ€" knses. Mcdern methods of finâ€" upon the shoulders of op‘e greater hardships than they illing or able to bear. Type of Flim third point to dec e of film to use. 1 cide upon is ‘The colour of piICâ€" tural care give to Si‘udy the buildings in your locality and ysu may find cpportunities "just around the corner" for getting soms very fine architeciural pictures. H you want to make the sky come out very dark as a background to give strong contrast, you will us> a pan film, and a red filler althclugh, if you have a "white" sky, your pan film will do nJ than an ortho. The Best Camera Amonz the buildi pictorial possibilitics ings, churches, part distinctive typ>ss of homestsads typical C and commerc.al build architects have tional drsigns. If you are making onz.side of a building of considsrable length, you will also have to use the side swing to giot all points of the image sharp and a front that has a "swing" serves a simiâ€" lar purpose. The rising front isnables you to get more image toward the top with a minimum of tilt to the camera. Unusual Type Amonz the buildings which offer Anda do nst t exteriors of many of lend themselves for the pictures but that the in rich possibilitizs. ing of labour, the prosaic but indisâ€" pensalble boiler has put on a new dress, says the Canadian Institute of Plumbâ€" ing and Heating. Since the time when the first introduction of compact hot water radiation units provided the Kleal means of heating for small as wEll as large homes, heating engintrers have developed domestic hot water heating systems to a high standard of efficiency and conven>nce. In keeping with mand for ‘"ideal beauty in all apar word in utility, c ing of labour, th pensalble boiler ha savys the Canadian Beauty is Featured By Modern Boilers While Efficiency is Also Maintained and Increased. bsiler has also sources of fuel spect to heat w ney. The fily>s vice a maximum water heating su neat by soot insu greatly reduced | Skilful engineering in the modern bsiler has also eliminated other former sources of fuel waste, notably in reâ€" spect to heat which goes up the chimâ€" ney. The fiv>»s are arranged to proâ€" vide a maximum of fire travel over water heating surfaces. Wastage of hnheat by soot insulation has also been greatly reduc>d by more simple and practical arrangements for scraping soot off the flues into the fire without causinz the dirt in the basement which this task causes in cleaning older types of boilers. Another source of wasted heat has been reduced by design for faster flow After his home had been burglarized nine times in racent weeks, Robert Beard, of Fort Wayne, Ind., constructed a camera dsvice by which hc bhoped to indentify the culpx it,. The device,hidden in a â€"dresser drawer, was set off when an intruder opened the drawer, contracting two wires. exploding a filash buib and clicking the shutter of the camera, and il took the picture shown at Left. Police, of Fort Wayne, arres ed 'l’hbmas Freeman, (Right,), and charged him with the robbery. litizs are college buildâ€" parlicularly those of s of architecture, old ‘cal ofâ€" certain pericds CEuildinz3s in which the sevpartcd from convenâ€" the homes"‘ combsining ments with the last and savâ€" d boiler, insulatâ€" the boiler shell â€" wasted heat to of heating the at not only the these buildings making of gosd eriors also offer ntâ€"day C wWwhicded cts and entirely cametra. of water within the boiler. > Everyone who has watched a or water heatâ€" in:, cays the Institute, â€"has noticed the formation of air bubbles. These also form in the water sections of a boiler, insulating them â€"and keeping the heat away from the water. . Faster water flow serves to break up these bubbles and allow the heat to expend its ‘full efl>ct on the water. It is, in fact, the clean operation and insulation of the. modern boiler which has given rise to the popularity : of basement recreation rooms in the hom». The basement was never liveableâ€" space in the days when no amount of. labour could kzsep it from being: dirty,. dusty and close. With its handsome appearâ€" ance, it is not even necessary, now »to hide the boiler in‘ a separate compartâ€" ment. It can be painted to fit in‘ with any scheme of basement decoration just as any other well uuli- tarian fixture or furniture. (From Canadians Homes) Every woman has hoped some time or other for a cupboard just for her hats, and here is a suggestion for one. It is built of white pine, which takes stain or paint equally well. $ At either side are ~niches a candlestick or a pot of flowers, and undernsath each niche is a small drawâ€" »râ€"onse for makeup and the.other for sloves. A long drawer provides space for pocketbooks and scarves.. â€" Inside the door a mirror. Cupboard For Hats:â€" Very Useful Fixture in Home Several interesting colour . . schemes may be us>d hers. The wood may be stained a lovely warm mellow brown. BUILDING MATERIALS Lumber and Supplies Labour and Contracts Feldman‘s are noted throughout the north for their reasonable prices on good quality lumber and building materials. They carry a comâ€" plete stock of materials for your every building need no maller what type of construction you prefer. Estimates given without obligation. Supervised by Feldman‘s have, within their organization, skilled building mechanies who will see your home through to completion. Every detail will be taken care of by thoroughly experienced men. Feldman‘s have engaged the professional services of a registered, grad â€" uate architect to design and supervise the co_nstmction of homes CC t N B a A P T TE according to high standards, His practical and technical knowledge assures you a wellâ€"built comfertable house that will require little or no upkeep expense. There are ne "extras" in Feldmanâ€"built home. Specifications and plans are prepared showing every detail and the low price is the exact price you pay. Nothing added. Feldman‘s Compliete BUILDING SERVICE while the m in shades of rich Another delight{ tained by painting tand let tha? be a Then set it off w hardware. Somet niches robin‘s e3 the dull black ha On the other s you can have a bo it would compli< Hvingâ€"room! Don‘t worry if beoks to fill it. 3 have. Let some straight., lay the let some lsan ove A bookcase giv in the topâ€"!c have a bras platse and a | side, a coppet gase in fron! case l1 Oil iv. cupboards and bookca Home Improvem>nt P w‘ll be glad to explain Average Conception of Convenient Home (From Canada Lumberman) ‘‘How much does the average citizen wish to expend on the ensction of a hem>»>> and what are the chief things desired? . Much depends on locality, tastes, living conditions, otcupation, enâ€" virons, etc.. A cineral result of an exâ€" haustive survey of Canada and the New England States reveals some perâ€" tinent and outstanding observations of importance. Someâ€"of the Ideas of the _ Average Citizen Outlined. ~The vast majority wish to pay beâ€" tween $7,000 and $8,500 for their house; five to six thousand being the next largest group. They want to pay for it in ten‘ to fifteen years. ‘These reâ€" plieswer> divided between people who row cwn, and thos who do and those who.do not expect to buy a home withâ€" m the next â€"two years. Fiftyâ€"eight p°r cent of ‘the answers came from Pnters and of the "may build" and ‘;won't build" groups 18 per cent. were ,“hufldei‘ "â€"~It is also worth noting that 61 "per cent. wish to live in outlying residential districts rather than close The largest group consisted OI two childless acdiults, but where a famâ€" ily is considered, the average group was found to be two adults and two childâ€" ren. : Two adults and three children comprised only 3 per cent. of the votal, whereas two adults with four children made up ‘7 per cent. It seemed rather sxgmï¬cam that less than 4 per cent in the price class below $8,500 needed a servant‘s room, and only 6 per cent. in the range below $10,000. s Pet Peeves One of the most interesting sections was that devoted to a long list of pet peeves. I wish builders would read Architect Family Size canCt i bet LUMBER and MILLWORK _ e 1€ group consisted of cupDo eggshe al t linoleum and blues nav be ob side couldi a pewter i â€"tlu> othet | jade-green; can build under the Anyvy bank enough on wili Do | spaces and | Secornk use | outlets a I a@il| enough € ow | order ca ur | wvenly: BUILD NOW and have a comfortable home this winter rÂ¥ | t1 Head Office Schumacher Phone 708 Timber Company Limited this and so perhaps avoid some of the things which people fird annoying. First by quite a large majority in every price group (except the six to There‘s no need to put off building until Spring, There‘s still time to build that home you‘ve been planning beâ€" fore winter sets in and you won‘t need to put up with cold uncomfortable quarters any longer. Then, too, labour costs are lower this season. Come in and let us show you how little it actually costs to own your own home and why you should waste no time in enjoying order came next: Can‘t heat rooms wenly: poor kitchen arrangement; house draughty, and then, cannot arâ€" ranze furniture properly because of poorly planned wall spaces. Type of Mouse The rest of the questionnaire deals with the house itself. It was found with the house itself. It was found that the majority all demand similar things, and this information should be invaluable to thoss who intend to build, either for thomselves or for others. If builders can know in advance what is demanded, they can get the lion‘s share of the business gcing, and their customers will hbe betâ€" ter satisfied, too. By almost a twoâ€"toâ€" cne vote the English style house was voted mdst popular style, with "Diutch colonial almost even. The rest wern> far behind. The home buyer wants his house in the middle of the lot. garden, although education is altering this attitude. Fighty per cent. wanted a basement playâ€"room, and 97 per coont. wanted thermostatic control of th> heating, of whom 50 per cent. said that they must have it. _ Ninetyâ€"five per cent. wanted air conditioning, and 50 per cent. stated it Was "must." The ground floor should have separate liv â€" ing room and dining room, den or exâ€" tra bedroom, kitchen, breakfast nook and lavatory and vestibule. The maâ€" jority wants three bedrooms on the second floor, two of which must be double rooms. There must be two secâ€" end foor bathrooms in addition to the shower in the downstairs lavatory. Fortyâ€"six per cent. wanted their house to be brick and 36 per cent. wanted asbestos shingle for their roof. its comfort. Huntingdon Gleaner:â€"One cat 18 a pet, but 14 of them are a menace 10 health, Dr. Theodore Sallee, health officer of Covington, Ky., said in orderâ€" ing Mrs. Vera Beagene to dispose of her collection of cats. e Consolidate Your Debts MONARCH FINANCE CORP. CE 9 THIRD AVENUE rice group {except housand. which listed i as the complaint about Nati enough closet Noi enough closet space. ime the plea for more electric A big vote was piled up for egisterad about this. Not lectric outlets. In descending (Above Wosuworth‘s) GENERAL CONTRACTORS Auto or Housechold Loans, may now be had very easily at a low rate of interest,. Call in toâ€"day, there is no Red FTape or embarassment,. â€" Only your signature is required. * LOANS tAaiild firepla May Build Bookeases Under Improvément Plan JNACCO mirposeos rooms wo l€ WrerWise Lo depth to the lusion of deop Improveme! made with : tained throug 109 tained Plan. North Bay Nugget: If S would only conform with sea quirements, everything would ly. Timmins p.ad iA Y t 1 V They Mill Office en 1 lasy Payments A1 niza HMHer XOtTH Phone 709 ; Jlouble door om, try bookâ€" ing: from floor nterest to an e ana idling t bu ptembe onal re mavy bt ire the )r such ob