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on saints itadarndineniiaddline ia deee cate Cad ing on rooms later or having to move again. Group-life space includes Iiv- dining Toten Lose bipne itaan room, rooms are becoming less popular house House Must Meet Needs Of Family Since laundering takes up a large portion of a housewife's time, a home should have ade- quate space for washer and dryer. If the house has no basement, it should have a con- venient, well-located utility room. But things The most frequent complaint|in oy na pW R pediialy bad . mal Sk oe womanito compromise on some, but} Ald worth lack of closet space. Many. win 4 ay older houses provide the answer huty "antunied an" aiemoainal paid out by Britaly .t0. eqlontal to this need better than some of and won't move in, then die |e) weememoent Commonwealth the newer ones. cover to your dismay that your| Countries In the 1963-64 The first rooms a woman/family or your furniture doesn't] 7°2"- ast 4 looks at when seeking a house/fit the house." are the kitchen and the bath- 3 : room. Most families now want| WOMEN'S INFLUENCE . ~ more than one bathroom. Many} Because women have so much parents have learned the hardjinfluence in the selection of a way, the race for the bathroom|house, (men are involved in in the morning goes to the swift-|financial aspects of the busi- est -- who is mot always the/ness), it would. natural' ince in recorded history, parent. essen ate, smaller living rooms is creasing. -- tion have become a necessity espe- cially if there are teenagers in the house. Dining rooms, too; are coming back into style. "No house is perfect," Mr, Women have done it again. Not only are they selling real estate, they have the biggest say in what real estate is bought. "After all," said P. J. Harvey, president of the Canadian Asso- ciation of Real Estate Boards, "the house is the woman's de- partment." A woman spends most of her working time in the house and she knows what she needs in the way of facilities and space, Her husband gen- erally takts her word 'or it. A woman's first concern is whether a house meets the needs of her family. It must have sufficient -work, private- life, and group-life space. lousework areas pertain to kitchen; laundry, storage and a en ee "For ex- ample, if family is small, FISH IN BATTERIES the wife usually prefers a small FINE OSHAWA HOME --ORCHARDVIEW Three 'Stage' Inspections And One Unannounced Inspections by Central Mort- gage and Housing Corporation of new houses financed under the National Housing Act will no longer be undertaken solely at the request of builders or home-owners, Under the new systém, there wili be three regular or stage inspections in- atead of the previous five and these will be supplemented by at least one unannounced in- spection. This is the essence of revi- sions to CMHC procedures for make able. made to ensure that infractions brought to the attention of -a builder during an earlier inspec- tion have been corrected. If the infractions prove serious, hold- backs in an amount at least double the estimated cost of correcting the infractions will be recommended by CMHC in- 'spectors, Progress advances on loans will be suspended if in- fractions are bad enough to unaccept- construction that the value of the house is not affected. Such changes can be approved by CMHC inspec- tors at the next inspection. Where a major change is con- templated, borrowers must ob- tain written approval from CMHC before proceeding. Although CMHC is prepared to assist purchasers and build- ers whenever possible, it cannot act as mediator in any dispute which might arise out of a con- tract between a builder and purchaser. A dwelling which may be acceptable to CMHC for in 1 PORT ERIN, England (CP)--|kitchen to save her needless Shoals of 1,600 plaice have been|steps during the day," said "ona Po pelziecse sommes to| Harvey. mar! e first British break- ; through in rearing sea fish by epee Mets ea using batteries, The tanks are| If a family is large, most to THREE BEDROOMS Anything less than three bedrooms makes a house harg ning for the future may neces- sitate additional bedrooms. This eliminates the problem of build- When Where How : TO PLANT? Call sell, said Mr, Harvey. Plan- located at this Isle of Man ex-|™embers would find it annoying perimental centre. to have to move chairs in a cramped space every time someone wanted to open the LOWERS DEATH RATE refrigerator, Moreover, added Romania has recorded its low-|Mr, Harvey, the current need est infant mortality rate in the|should be considered in terms first four months of 1964--4.8jof the future, Anyone anticipat- per cent as against 17.9 per cent'ing a large family should look 939. for a house with a big kitchen. mortgage insurance purposes may not be~ acceptable to a purchaser. It is the purchaser's responsibility therefore to en- sure the fulfilment of his con- tractural arrangements with the HOWARD'S 926 Simcoe North 725-3144 The Friendly Expert!! VAN BELLE GARDENS "The Friendly Gorden Centre" 3 MILES EAST ON HIGHWAY 2 PHONE 623-5757 gardens . 'Stevenson Rd, N, end Annapolis Ave. Exclusive Realtor Millen Real Estate 9 BAGOT ST. 728-1679 DRAPERIES SLIP COVERS "Seeing that People INTENT OF INSPECTIONS Central Mortgage and Hous- ing Corporation emphasied that despite the changes in proce- dure, there is no change in the intent of inspections. The gov- ernment housing agency stress- ed that the most important thing to remember about its in- spections is that they are not intended to provide full archi- tectural or engineering supervi- sion for house buyers. The in- spections by CMHC are made to ensure that the completed house will offer good mortgage security. The -home-owner--can protect his interests by arrang- ing for his own inspections. CMHC inspections only in- directly benefit the home-owner. The inspections are carried out to insure that dwellings are built in reasonable conformity with the Housing Standards -- the building standards-prescrib- ed by CMHC for houses financ- ed under the National Housing Act -- and in accordance with the plans and specifications the borrower submitted with his loan application. Borrowers may make minor Get the Right Home is Our Business" builder. Anyone applying for an NHA loan signs a statement to the effect that he must make his own arrangement with his con- tractor and see that the house is built to his satisfaction and in accordance with NHA hous- ing standards and the approved plans and specifications. The statement adds that neither the 'lender nor CMHC has any con- trol_-over_the contractor or over the building operations. House buyers should either inspect the house themselves or arrange for a suitable agent to inspect -it for them. It is the purchaser's responsibility to see that he gets what he is paying for. inspecting NHA financed houses. The new procedures do not apply to the inspection of apart- ment buildings. The new plan has four main objectives: to improve inspec- tions. and the quality of con- struction; to allow local CMHC offices more flexibility in deal- ing with inspection difficulties; to provide a better service to borrowers and builders by keep- ing inspection delays to a mini- mum; and to reduce com- plaints about construction, STAGE INSPECTIONS Normally the first stage in- spection will be carried out at the foundation stage. At this point, foundation walls and re- lated work such as tile drains are to be completed and ready for backfill. The second stage inspection will take place at the ready-for-lath stage. Here, the house is to be framed, roof- ed, insulated and ready for lath or its equivalent. The last stage inspection will be made when the house is complete. Central Mortgage and Housing ro -- : 1 = Ly HOW DOES THE & ' OE ¢ MULTIPLE LISTING SERVICE. ELP YOU? The Oshowa and District Real Estate Board exists to improve stondarde among Real Estate people and you the buying public. The Multiple GeListing is a service provided by your Real Estate Board whereby meme "bers interlist with one another properties for sale, This is the bosis for @ successful real estate operation ond fast, efficient service to you, the public. CARDINAL RECOVERING BOSTON (AP) Francis Cardinal Spellman, 75, Roman Catholic Archbishop of New York, is recuperating at an un-' disclosed site on Cape Cod fol- lowing a prostate operation, his family said Tuesday. The oper- changes 'ation was performed several Secincsaee rovinie weeks ago at the Mayo Clinic, Standards are met.and! Rochester, Minn. Culligan |} oducts. : Eoch property listed under this method is photographed and circulated to each mem- ber of the Real Estate Board, along with pertinent information regarding the property. -- mally take place about the time the house is 75 per cent com- plete. Except in unusual circum- stances, not more than one in- termediate inspection will be carried out on each loan. : To supplement the stage in- spections--which will take place at wider intervals than previous- ly -- unannounced inspections will be made by CMHC, The unamnounced inspections are in- tenfled to provide inspection coverage of work not usually seen at the stage inspections. Re-inspections 'will also be DIVIDENDS By THE CANADIAN PRESS Bick's of Canada Ltd., com- mon 74 cents, Dec. 10, record Nov. 30. Campbell Red Lake Mines Lads. 11% cents, Oct. 28, record Sept. 28. St. Lawrence Cement Co. When you deal through Multiple Listing this assures that you are not operating with Automatic and Semi- "Fly-By-Nighters" and "Dabblers', but full time conscientious sales people. automatic Softeners. MEMBERS OF THE OSHAWA AND DISTRICT REAL ESTATE BOARD OSHAWA VAN HERWERDEN J. J. REAL ESTATE ACTIVE REALTY LTD. A BRE da nb 48 Simece St. $. 728-5157 D. STRADESKI REAL ESTATE BOLAHOOD BROS. LTD. Demineralized Water Service. WHY SHOULD YOU... AS A VENDOR - OR - PURCHASER, WANT TO Chemical Solution DEAL WITH, MULTIPLE LISTING SERVICE? Feeders. 313 Anderson Ave. A. WEINBERGER REAL ESTATE class A and B 15 cents, Oct. 31, record Oct. 15. The Steel Co: of Canada Ltd. 20 cents, Nov. 2, record Oct. 16. Commercial and Indust- rial Water Conditioning Equipment. We have seen many instonces where people, as purchasers, have paid too much for ling. Knowledge of their properties and found that they must take a loss upon re-sel the market conditions is the buyer's safest guide to the purchase of 101 Simcoe St. N. 728-5123 BOSCO. JOSEPH REAL ESTATE 833 Simcoe St. S. 728-7377 32 Pork Rd. N. the right property et the right price, BULLIED DOUGLAS J.M. REAL DISTRICT BOWMAN & GIBSON REAL ESTATE 145 Brock St. $., Whitby, Ont, 668-5828 BLYLEVEN GEO. REAL ESTATE R.R. 3 Bowmenville, Ont. 623-5300 _ DEWITH JOHN REAL ESTATE P.O. Box 1226, 14 Frank St., Bowmanville, Ont. 623-3950 FRANK W. REAL ESTATE P.O. Box 999, 177 Church St., Bowmanville, Ont. 623-3393 HOWE OLIVE REAL ESTATE 218 Dundes St. E., * Whitby, Ont. 688-5853 KOWAL PETER JR. REAL ESTATE P.O. Box 817, 99 King St. £., Bowmanville, Ont. 623-5868 MCRLEY CYRIL E, REAL ESVATE Pickering, Ont. 924-6212 McQUAY D. W. REAL ESTATE Ti3 Brock S.t $., Whitby, Ont. 668-5868 .AcDANIEL PATRICK G. REAL ESTATE 108 Colborne St. E., Whitby, Ont. NEWELL G. REAL ESTATE P.O. Box 695, Charles St. E., Station "F", Toronto, Ont. NORRIS W. J. REAL ESTATE P.O, Box 866, Harwood N. Ajax, Ont. 924-3364 SCHATZMANN W. REAL ESTATE 114 Brock St. N., Whitby, Ont. 668-3338 J. RICARD REAL ESTATE 71 King St. E., Bowmanville 623-2503 ESTATE 333 King St. W. 723-4391 DISNEY E. L. REAL ESTATE 82 Simcoe St. S. 723-2333 GUARANTY TRUST CO. OF CANADA 32 King st. E. 728-1653 GUIDE REATY LTD. 16 Simcoe St. S, .723-1121 HYMAN S. D. REAL ESTATE LTD. 323 King St, W. 728-6286 JONES URIAH REAL ESTATE 6% Prince St. 725-6412 LAMSON W. T. REAL ESTATE 67 King St. E. 725-1186 METCALF LLOYD REAL ESTATE 40 King St. E. 728-4678 MILLEN HARRY REAL ESTATE 9 Bagot St. 728-1679 McAULEY W. REAL ESTATE 28 Prince St. 723-2512 McCALLUM ROBERT S. REAL ESTATE 521 Rosslend Rd. W, 725-6402 OLSEN CARL B. REAL ESTATE: 299 King St. W. 723-1133 PETERS KEITH REALTOR 103 King St. £. 728-7328 RISTOW PAUL REAL ESTAT 187 King St.E. 728-9474 SCHOFIELD-AKER LTD. 360 King St. W. 723-2265 SNELGROVE L. S. CO. LTD. 43 Park Rd.S., 723-9810 TINDALL MELVIN O. REAL ESTATE 75 Pontiae Ave, 725-0429 NAMED TO POST GUELPH (CP) -- Dr. M. Donald Harlow of Dartmouth, N.S., has been appointed the | first full-time secretary-regis- | trar of the Ontario Veterinary Association, it was announced Friday Dr. Harlow has been employed by the federal de- partment of agriculture since graduating from the Ontario Veterinary College in 1948. TOWNSEND | ELECTRIC LTD. e RESIDENTIAL e COMMERCIAL Call 723.2343 sea sr. exst From the Vendor's point of view, he will waste his time and advertising dollars by try- ing to sell his property himself unless he is properly advised on o reasonable asking price ond other tips that make his home saleable. After all, orgonized real estate, «(Multiple Listing Service) is the showcase for properties and the largest number of buyers prefer to deg! through Multiple Listing Service. A point to remember is that by listing M.L.S. you are reaching all the potential purchasers of every real estate office in the boord -- therefore, you are being assured of the highest possible price for your property. SLOAN Water Conditioning Ltd. 89 CURLEW DRIVE, DON MILLS (Toronto) ONT. BUY and SELL through M.LS... . it doesn't COST ... IT PAYS!! ' i! ¥ OSHAWA and DISTRICT REAL ESTATE BOARD After Hours Call 725-2903