The sun. [volume], August 10, 1919, Section 4, Page 8, Image 44

About The sun. [volume] (New York [N.Y.]) 1916-1920

Image provided by: The New York Public Library, Astor, Lenox and Tilden Foundation

                
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A SUBURBAN PASIOM
Part-
When I row Johnathan and Freeland
hobnobbing over their taYorlts coif cjuos
In the hall latt Saturday Just after
luncheon I had a sudden idea.
"Johnathan," I called, "are you golng
to the llnka tn the cart"
"Tliat'a about It," he grinned.
"Well, aik Mr. Freeland If Kathsrto
can drive well enough to take the chU
dren a little way berrond the llnka. If
nhe can I'd like to see the whole hona
hold but myself depart for the afternoon.
If you please. If this household la
going to be a beehive of civic activities
beginning next week the decks must be
cloared tor action. Being a housekeeper
entails a few duties, and I'm feeling en
entitle for a change." '
Johnathan and Freeland had a short
consultation. Katherlne 'has been In
slstlng upon having lessons In driving
from Freeland every evening and he has
been very good natured about It I'm
not quite sure whether her Interest has
centred on the car as much as on Free
land, but she has q real gift for me
chanical things, anl I hoped that while
tn his company she had picked' up some
of .the necessary technic of driving. '
Presently Freeland delivered the ver
dict. enough," he said. "There's a little wood
road I know of where there's np.trarac.
ana me na ubit can s&cicn, wu it
Emily goes too the children, will be safe
enough scrambling around. I hope this
big household Isn't too much for you,"
he added In his dlflldertt kindly way.
"We nil realise who Is making It run so
smoothly for us.V
Dear old Freeland. He never forgets
to be gallant and sympathetic.
"It certainly Is up to me to make It
run smoothly," I answered laughing,
"considering that It was my Idea, and
that It would break my heart If 'any of
my guests should leara me. If you'll
wall Just a second I'll collect the family
and pack them off with yon. and Johna
than. You mustn't lose any more pre
cious playtflg time than we can help."
Robert came running up the back
stclra as I entered the nursery.
"Get Bella, quick," I said, "and see It
Mary and Katherlne can be ready In a
hurry.''
80 at last they were all safe In the
car, and I lifted Toby Into 'Emily's arms
myself. To my keen delight he dlun t
want to leave me and was very free
with his flats about it when he had
landed In Emily's lap.
It's pleasant to any mother to. receive
a trlbuto of loyalty from- her Infant,
even If that loyalty spoils some one
else's party.
I waved them all voff, Toby howling
lustily and Katherlne with eyes cast
picturesquely In the direction of the
Redflelds' residence -down the street in
search of Phelps Redfleld's plan's.
She was a bit discouraged to ste him
come flying out the front door with a
week end bag tn one hand and a tennis
racket in the other, only to nod a
laughing greeting In our direction and
then stride off on foot toward the rail
road station.
BEAI, ESTATE AT AUCTION.
Absolute
OF
Actual Ocean Front
NEXT SATURDAY, AUG. 16th
,3 P. M., on Premises, Rain or Shine, In Spacious Tent.
ct- to Close Out Without Re
. .... serwe or Protection All of
q jM tv,e Unsold Holdings of the
jt Neponsit Realty Co.
jf' All lots are close
to the Atlantic Ocean
j" , ' Including
magnificent frontages
THE OCEAN
NEPONSIT
Several hundred beautiful
homes and 'tasty bungalows
costing all the way from
$3,000 to over $20,000 each
have been erected.
Moderate Yet
Sufficient Restrictions
which will permit the erec
tion on the greater part of
the property of a house or
sultahle bungalow on a forty
foot plot.
There Is no mortgage or
similar encumbrance on' the
property and all titles will be
insured to purchasers with
out expense to them by the
TITLE GUARANTEE 81
TRUST CO.
Lots May Be Paid For In
All Cash or
66 2-3 May Remain on
Mortgage or
MONTHLY PAYMENTS
IF DESIRED
Send for Illustrated Book Map and Compli
mentary Railroad Passes Good on Day of Sale
r? AH0JI0NEBK8' OFFICES Oil
Manhattan Office of Ntpon.lt Realty Co., I West 34th St.
23 . -JM
Oh. well. Katherlne, you can't have
everything 1
Phelps Redfleld is a very ' popular
young man and the only way for any
girl t Imagine that she can monopolise
him la for her to be entirely Ignorant
about his other friends. 1
I closed the screen door and found
myself alone In the house save for the
cook.
Surely such a situation In the present
state of affairs Is not without Its dra-
tnatlo quality. Like many another
housekeeper In a like situation, I decided-
to put off my Interview with her
a little longer.
Another burned omelet WMild never
dot Never! I would be firm when I
talked to her. I would put It straight
up to her. But Just now
With paper and pencil I mounted to
the top of a step ladder tn the linen
closet and for some time courageously
counted sheets. Then I wandered over
my domain, noting how clean and bare
the general effect was, but how1 after
all the place persisted In having per
sonality; , Robert a slingshot was upon ma Bu
reau. A half finished model of, a dog
held a position of Importance. "Lives
of the Hunted" lay open upon his desk.
Bella's room was far from tidy, for
the child has a new Idea every five min
utes and acta Industriously on each.
,.. had all held br?
ment made n lhe beginning to help the
household along by being very systematic
about all their affairs. I found on my
own desk careful notes of engagements
for the week so ! would know Just who
would be home to dinner and when.,
Next to that I found In a little note book,
labelled by Johnathan "Epicurean De
lights," several messages .to the cook.
"I'm pining for' lobster salad, K.
Kennedy."
"How about blueberry mufflnsT Har
rington."
' "Can't we have some little cakes with
frosting on them? Mary."
While I own that I'm not particularly
Interested In housekeeping as an art,'I
do find It amusing to follow these lively
suggestions that every one seems willing
to make.
When I felt that I had surveyed the
situation thoroughly upstairs and down,
I wrote out the following:
TIPS TO MYSELF.
1, Engage another mold.
2. Find a laundress who can make all
feminine members of the household equal
Katherlne In exquisite, attire. (There's
nothing like a little competition.)
3. Arrange one room downstairs as the
family drawing room, personal and pri
vate. Into which no civic body can enter.
4. Buy a book on butterflies. (And
grind hard, too, before the children cor
ner me again.)
By this time I really had no excuse
for avoiding the cook, and looking In the
mirror to see If I looked dignified and
effective. I strolled to the back stairs
and opening the door heard the old col
ored woman singing as oniy an 01a coi
orcd woman can:
(To be continued.)
REAL ESTATE AT AUCTION.
Auction
Beach Really Belongs
to the Property Owners
This Birdseye View
Shows Ocean, Bay
FINANCIAL ADVICE
FOR HQMESEEKERS
JF you are planning.to build or buy a homo your first problems will
mostilikely bo financial ones. How much ready cash will you need?
How should you go about obtaining a building loan or a mortgage?
What is the difference between a first and a second mortgage? How
are you to figure your carrying charges or Insure a building in the
course of construction? '
Let PHILIP 8. CLARKE solve these problems for you through
tho real estate columns of THE SUN. Mr, Clarke has had many years
of experience in financlng'homo building and home buying ventures
and is recognized as one of the foremost authorities in the country on
these matters.
Sond your queries to the Real Estate Department of THE SUN.
It must be distinctly understood, however, that these questions must
relate to individual homo building' or buying projects and net to -Investment
or speculative' ventures' in real, estate. Nor will questions
be considered regarding the value of specific pieces of property or the
reliability or integrity of any individual or corporation. .
Dear Mr. Clarke: I am planning a
home in Hollls, U I., where I have four
lots free of mortgage, tax per year IIS.
I havo 12,000 cash, life Insurance,
$4,000; Income varying from 12,000 to
11,000 per year.' There are four In my
family beside myself, two self-supporting
(a third will be when she finishes
college). I want to build p. simple
Colonial house, ten rooms, somewhat
larger then the average New Tork city
size. Several builders have held that
the house I want Is too big. Do you
think. 40 feet by 35 feet la too big li I
and my family wish It eoT The tfn
extra rooms (In addition to the ortho
dox eight) we planned to have In place
of an unfinished attic. ,
Do you think I have enough to start
HMMMMSSBI
cated? How should I go about tlnan
arrangements? Will there be a fall In
building prices sufficient to wsrrant my
waiting and paying rent Instead of put
ting that money Into my own house?
- C. V. W.
You are planning an unusually large
house. You know that a great many
people build large houses BO as to have
accommodation for the servants thai are
required to take care of a large house.
This Is a serious mistake, and expensive.
Frankly, most of us build entirely too
much of a house. It has to be heated,
painted, furnished and kept clean, and
when we think how much living can be
done In a small houseboat. It Is remark
able the amount of space people seem to
think they need In a building.
An eight room house should be large
enough and would be more marketable
In case you wanted to sell. The ektra
rooms sound attractive, but the extra In
terest and taxes and overhead expenses
will amount to so much In a few years
that It would be cheaper If you sent
your guests to the best hotel In New
York. Please try to cut down your re
quirements. You can alwaya butld ad
ditions If you have been too conserva
tive. You, have enough money to start. Yeu
should S't an eight room house well
built for SE.S00 to (8,000, depending on
tho size. Taking 7,500 as a figure and
assuming your lots to be worth 13.000
you have (5,000 toward the proposition.
You would therefore need to borrow
but 35,500. This should not be difficult.
If you want a straight mortgage go to
the title companies and banks, whose of
fices you will find In the business sec
tion of Jamaica, with pie plans and
specifications of your house and tell
them your story. If you want an Instal
Borough of Queeas,
New York Qty
of Neponsit
and Lots To Be Sold
j BEAl ESTATE AT AUCTION. J ;r ETATE AT AP1-W. HEAL ESTATE AT AUCTION. E8TATE -AT- AP-?-I??f'
k Nev YoT1 Hnt Attrmctire, Accetwkre sad Sacceskfol Settle! Sularfc
r 1 45 Minutes from Pennaylvania Station
A . , J
Jere Johnson
ment mortgsge, by which your houss Is
gradually becoming" free and clear, In
quire of the same Institutions aa to
where such a mortgage may be obtained.
Your lasb question contains the reason
why some people are bulldlna- and others
Are buying. If I could answer It abso
lutely 1 should deserve to rank with the
prophets of the Old Testament. My be
lief Is that material prices are stabilized.
Labor uncertainty Is, In my opinion, the
cause for hesitancy on the part of build-
era, bat If yon want a home In the next.
1 wo or inrea years 1 uiinx you mieni
Just aa well start on It now.
Dear' Mr. Clarke: I Intend building
a one family house with six rooms
and have $1,000' of my own money to
ssSBBWStBSsMssUtaUUfie.
80x100 In Dunellen," NT J.. wofWlSOIT
I would like to know how I can get Into
some loan company In this section of
the State. W. J. B.
Get a New Jersey telephone directory
and see If you cannot find the name of
a Plalnfleld financial Institution listed,
to which you could write and . Inquire
the name of the local building and loan
associations. Then get In touch with
each one and ask for a copy of their
last financial statement. Decide which
looks the bfcst and inquire whether they
have money to lend for building pur
poses. It they have, get your plans
and specifications ready with a map,
diagram, or survey of your lots, and
file them with the secretary of the asso
ciation, with a request for the loan.
.Your proposition sounds reasonable
and I think If the money Is available
you will be able to get It
There are some very good sized towns
near Plalnfleld where you would prob
ably find associations also. Uie the
same method In locating them.
Dear Ur. Clarke: I would like to
build a house costing $4,000 or' 16,000
I have $300 In the bank, owe no one.
make $130 a month, have three old llnr
insurance policies with a loan value or
about $500 or isoo. I do not own m
lot, but want to buy about 120 feet front
In a suburb, so I can have garden, chicken
and a cow. With no more avallabl'
cash, can the above be pulled through?
A. B. J.
I do not know what value you hav
tn mind for 120 front feet of land In
suburb, but frankly I think on your
present assets you are contemplating to
nuch of an undertaking. Three hun
lred dollars Is not sufficient margin to
On the
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Jr. Co. Auctioneers;
buitd a $4,000 house on a StjO plok
especially as your plans call for further
expenditures for a cow and chickens,
These two latter items alone would take
all your present capital, I think you
ought not to undertake your programme
with lers than $1,200 to $1,500 tn cash.
If you do you will be loading-yourself
with a financial burden perhaps possible
to carry In t good times, but disastrous
In the event of sickness or other mis
fortune. '
May I suggest that you try to curb
your enthusiasm for the cow and
chickens Idea on a 116 foot plot A
cow needs about an acre of ground for
her diversion and, two or three acres
more for the production of additional
food supplies for her. Why not come
down to the ordinary building plot and
give up the email rarm idea? People
are trying It alt the time and about one
In ten Is satisfied. The trouble Is that
you have to go quite a distance Into the
country to buy cheaply enough, and you
are then pledged to three distinct tines
of business, the first being that by which
you make your living, the second the
maintenance and operation of your small
farm and the third getting back and
forth.
pent forget that commuting Is quite
an occupation tn Itself, and the larger
your front yard Is the more mileage you
roll tip on the lawn mower. Taking care
of a cow and a furnace and the front
yard and the Job In the city and catch
ing trains la pretty near a full pro
gramme. You can eliminate part of It
by reducing your requirements. I can
not say too emphatically how much I
am persuaded after a good many years'
observation that the average man In
buying or bvlrMng his own establish
ment makes provision for about twice
what ha needs. There Is Just as much
fresh air passing over a twenty foot lot
aa there Is over an acre, but the mort
gage on the latter Is quite a little larger.
Just a word about borrowing on your
tlfo Insurance policies. If you can't
raise money on present security and
business standing,, don't borrow It from
your widow and children. You will be
WW'tH'.V caum iuman"ffwhaatheH
need It most.
Dear Mr. Clarke: I have Just bought
a fourteen acrefarm in Connecticut for
$800. On the property ts a house that
will require about $2,500 to put in hab
itable condition. What Is the best meth
od of raising money to put Into Im
provements and how much could I ex
pect to obtain on a mortgage? Should
I attempt to raise the money from New
Yorkl banks or from local bankers?
I' K. B.
If you had told me even a little more
definitely where the farm ts In Connecti
cut my suggestion might be of more
value, but from the price you mention
I conclude that the property ts fairly
remote from New York. If this be so,
I should go to the nearest large town
and have a chat with tho cashier of the
local bank and with any attorney whom
ho suggested, before you go on this
errand get the plans and specifications
of the proposed Improvements ready,
In order that you can show a prospec
tive lender what the security for his
Investment will be. I think the most
you can expect to borrow will be from
$1,800 to .$2,000.
Let me auggest that on propositions
if this kind It Is. well to keep as near
to your property as possible for your
business arrangements. Every small
iwn has at least one lawyer whose
'nfluence and frlendshlp.lt Is well worth
'Ultlvatlng. He Is a sort of local au
horlty on Investments as well as legal
"natters, and has time to listen to your
iroblems. Don't take cigars wln you.
ut call him "Judge" once In . while
by mistake.
Rockaway Coast between
193 Mpntague St., Brooklyn
Telephone Main 1238
BBOOaXYM RKAL 3MTATK rOtt BAMS.
Factory For Sale to Settle Estate
id
N-S
o
z
, 60ERUM ST.
.
4 Stor Bjick with Power Plant and Shafting
Apply CHARLES V. BOSSERT .
1335 Grand Street Brooklyn, N. Y.
- Telephone 2600 St&ff
-, . 1 I
' v z
House$ 'For Sale in the' Leading New York Suburb
MONT CLAIR
roii nENTAt.
,400 per annum. RcsMpjics, 11 rooms and 3 bathrooms.
IdesUr situated on the hillside overlooking tfew York Olty.
Abo offered fully furnlibed at S3.O0O.
M.SOO. Modern residence, 11 rooms, S bathrooms; stesm heat,
a&rago.
S3, OOO. Residence. 18 rooms, 4 bsthrooms; binUrd room.
Handsomely finished interior. Ttelnfomd construction. Ms
hoRinydoon, eteel flrdcrs. For sale, at S35.OO0.
St, OOO. Dwdllng and 3Haresoflawn, gardens. etc. 14 rooms,
3 bathrooms. Oarage for 3 cars.
Sn.COO. Fully furnished residence. It rooms and 4 bathrooms,
situated on hillside, flva hundred feet above sea level. Gangs.
I'osarailos October lit.
4,000. Furnished mountainside residence, 11 rooms, 4 bath
rooms. Beautiful grounds, gardens, lawns. Oarage for 3 cars.
Possession October 1st.
6,000. Handsome residence, 11 rooms, 4 bathrooms, musts
room, commodious servants' quarters. 1 acre in lawn; tennis
court. Oarage for 2 cars.
For Choice Montclair Properties
T71 H IT ""ITl A TTTT TTVa'7' TPsTS Ci
P.- VI. V JliJ VV
Ocean and Bay
BMOan
JOHnaon ave.
o
. TOO' 2
o
10
7l I W
I Jill X hill jn.
KBAt, ESTATE AT AUCTION.
Positive Liquidation Sale
700 Seashore Lots
NEXT SATURDAY, AUG. 16th
2 P. M on Premises, Rain or Shine, In Spacious Tent
Trains for Neponsit leave Penna. Station (33d St. and 7th Ave.). ?
htttan and Flatbush Ave., Brooklyn, at frequent Intervals.
Rockaway-Besch Division (L. I. R. R.j to Rockaway Park, then I
tide on trolley or bus to Neponsit.
y N
FOB SALE
ST.t.000.' A colonial residence of 11 rooms. 2 hathrooms. m.
larlum. Plot 1O0 ift. Oarage for 3 oars (fireproof), bested from
main residence. Possession October 1.
U.OOO. Ilandsomn Colonial residence ,14 rooms, S bathrooms
garage for 3 cars. Floral gardens. Possession October 1st,
Flrepreef Residence. Sixteen rooms. Including living roan
with luge central fireplace, imported marble and richly csrvtd
mantel, silk hangings and gold leaf decorations on cttllr.n'
dining room, quartered oak panelling and silver fixtures, hitia
carved buffet and sen tag table. Breakfast boom orerlookliit
rock gardens. Owner's room, tiled kitchen, servants' dtelni
room! tUed pantries; Laundry fully equipped with electric ms
chlnery, clothes drier, incinerator plant: six bedrooms and four
bathrooms on 3d floor; fireproof staircase; billiard room, fullr
quipped: trunk lift: servants' quarters most coraplote: gtron
for five cars, chauffeur's acconunodatlons; s rooms and bulk'
all plumbing brass; construction, hollow tile, steel rlmerr
grounds laid out In formal and rock gardens. Without elrentlon
one of the most compluto modern estates In the New York tons,
Will be sold full furnished if desired. Possession October lit
Consult
Real Estate Brokers (not
OincosOppoaltelawarmaTennlnsi:
Montclair, N. J.
BEAL ESTATE AT AUCTION,
OF
AH lots are close
to the Atlantic Ocean
Including
magnificent frontages
DIRECTLY ON
THE OCEAN
NEPONSIT
Is a place where you can
build houses and suitable
bungalows to cost ot leart
$3,000, and where your 1
terests arc fully protected bf
the character of the re
dents, and the lasting sub
stantiality of the physical
improvements installed.
There Is not a more honrrt
or better protected residen
tial section of the RcekawJ
Coast In the Boro of Queens.
New York City. In addi
tion there is the Neponsit
Club, a sociul centre of the
Coast.
Lots May Be Pntd For l
All Cash or
66 2-3 May Remain cm
Mortgage or
MONTHLY PAYMENTS
IF DESIRED
h
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