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y? cuiicouaj! wuij . HOW TO FIGURE CUT' ! BUILDING EXPENSES! i Exoert Advises Aaainst Big Debt Running Over Long Period ! of Years. i i i TAKE QUALITY BEFORE SIZE, ! ! r House Described Here Will Satisfy, , Most Discriminative if Plans Aro | Followed Carefully in All f Details. f r . By WILLIAM A. RADFORD. Mr. William A. Radford will answer 1 questions and give advice FREE OP ; COS? on all subjects pertaining to the j object of building, for the readers of .this j paper. On account of his wide experience i as Editor, Author and Manufacturer, he 1 Is, without doubt, the highest authority on all these subjects. Address all inquiries to William A. Radford, No. 1827 Prairie avenue, Chicago, 111., and only enclose two-cent stamp for reply. There Is little satisfaction gained by the man who goes Into the building j Of a home blindly. In most cases such j a man oversteps himself, gets hope- j. lessly in debt and condemns the home- j building idea because of his own folly. | Most people obtain such pleasure out j j of owning their own home that they I, are willing to make some sacrifice to !' obtain it. However, If this sacrifice J takes the proportions of a burden ' i which must be carried for too long time, Its oppression will over- j; shadow lie pleasure which should be i: obtained from the home. j This does not mean that a man is j wrong in going into debt to obtain a .home. It means that he think well and figi.re carefully before taking action. If he can easily clear up all Indebtedness in three or perhaps five years, he is justified in going into the ^matter of ; home with his architect and builder. ! His first step in the analysis of the 'problem should be carefully to figure ., his probable resources over the period , which he is willing to.give to paying for his home. The man who has formed the habit of recording his current expenses accurately is very ; ; imuch better able to handle the problem than the man who has only his 1 j ^emory to help him. Suppose the ( prospective home builder decides that ( he is willing to build if he can clear ; himself In five years. He should look ! "over his expense account for the pre- i ceding five years and determine as j closely as possible what his yearly expense has been for food, clothing, : pleasure, sickness and all other such : Items, exclusive of rent. | If his expenses have shown an In- ' crease over the five-year period, it is ^ vSHHh JISA% Homelike Five-Roo probable that he should estimate a < . like increase over the next period of 1 five years. This data should be ] worked over carefully so that an ac- i curate estimate of probable expenses i lumped together over the five-year pe- j rlod will result. ] The next step consists in estimating the income which may be relied upon i over the five-year period. This I Potcn jtu'u I !:|| ' Omiid toon JP k I ' .... A H\M Firet-Floor Plan. amount should not include any doubt* ful resources, and It should not include interest on money which is needed in the building operations, unless a. ? in? I II 16 pOBSlDie 10 oorruw u use ttLuuuui at a lower rate than the Income rate. The next Item Is the money on hand or available in sums due the prospective home builder. This item will determine largely the kind and size of bouse to be considered. A rough balance may here be esteV A lished. There is a certain amount | Bj which may be spent in the construc- | tion of the house so that the expenses 11 before the house is built will be equal | to those after the house is built. Ordi- ; K narily, when this condition exists the ra total cost of construction must be Eg paid from a sum in the hands of the I owner at the time of building. In case it Is necessary to Dorrow a por? n tion of the money, the expenses over J 9 the five-year period will include the j m amount borrowed, plus interest up to Bj the time of payment. Of course, if IS the house is paid for out of a sum | gj which has been earning interest, this ! E interest will cease coming in. .. The : I* interest amounts will probably balance H one another, since in one case an 0 amount ceases to come in, which |l is practically equal, for a like prin- Sp cipal, to the amount which must be & paid out, in the other case. The dif- j ference in the two cases, then, comes j down to a matter of the principal | alone: If the house-construction cost j -i? Did fcoort H &atm | I '?* AM IV.ft ' I ^\f|| : jn IJ'VAW'V PBW mm 1? \ nut i r IlOJtT - ^10 H ~ Sid loon a = : n-oTis-y fa r-= f , _ , j i \ ! ; loor : ! ! u....T ; Second-Floor Plan. Is paid all or in part with borrowed money, the expenses over the fiveyear period will be greater by the amount borrowed than they would be If the money was all in hand at the time of building. Having determined as nearly as possible the amount which is to be invested in the house, the final expenses should be estimated. These will in- i elude probable taxes and sewer as-j sessments and principal with interest on any money borrowed. This amount j should be addded to the original amount computed. Regarding the house itself, there are two principal things which should V be remembered: The first is that quality materials and quality work-1 manship should be given preference over size of structure and fast con-1 struction. The second is that there Is always a certain amount of expense connected with the erection of . a house which does not show up in a the estimate, an amount up to, say, ?< 5 per cent of the estimated cost of the |j house. Having followed out all of the j? * ' . - L' m Stucco House. ' 9 ft f Mlculations accurately, the prospect- * ve home builder may reasonably expect to obtain the fullest measure of satisfaction out of his Investment in a home. The accompanying illustrations j Dresent a type of house which Is at | the same time attractive and sub- j II stantial. It Is not very often that the I combination of stone masonry and stuc- ! 1 co is used in house construction, and | It is a peculiar fact, for the appear- | ance of a structure built in this way I is altogether pleasing and satisfactory. The massiveness of the masonry work fits well into the design and the w stucco carries along the general idea Ie lo the smallest detail. Stone is used sp in building the porch walls and the cc chimney. The porch columns are built st of wood with stucco finish. The floor be of the porch and the steps are made <j? of concrete. The large roof surface ar is relieved with small dormers. Raft- pj ers at gable ends are supported with wooden brackets. a In the room arrangement, notice the large living room. This room occupies f*1 the entire forward half of the first J. floor. An open stair Is built along kl one end of the room with a landing P1 at the bottom which is two steps so above the level of the living room cl floor. At the other end of the room th is a large fireplace with a bookcase on pV each side. The small closet directly opposite the front door will be handy ?T for wraps. ^ The dining room layout includes a three-window bay, which makes this room well-lighted and pleasant A buffet is built under the window in s* the rear wall. Notice the handy arrangement of the kitchen. Tke two cupboards will be fond very conven- cl ient. The second flo r contains two st generous-sized bedro* a. | ALWAYS A Good pri: business. do-printii vnnr misi you wher Printing that any more 1 S 18 Now is the tin fi Printing. jmt*. ruowM . THE PRE Printing Th I at the dri Glass of Hot Water i* ?La | uaivuaucai Before Breakfast St; a Splendid Habit aTyJ better in Open sluices of the systcsm each morning and wash away the CLIP TH! poisonous, stagnant matter. ~~ . Those of us who are accustomed to Cincinnati el dull and heavy when we arise; Up Cor litting- headache, stuffy from a Lif Id, foul tongue, nasty breath, acid omach, lame back, can, instead, >th look and feel as fresh as a Ouch ! lisy always by washing the poisons talk will 1: id toxins from the body with phos- if people t lated hot water each morning. low the si We should drink, before breakfast, cinnati au glass of real hot water vrith a tea- few drops loonful of limestone phosphate in when app] to flush from-the stomach, liver, corn or h; dneys and ten yards of bowels the ness at or evious day's indigestible waste, callus drit ur bile and poisonous toxins; tnus witnout pi eansing, sweetening and purifying He says e entire alimentary tract before ly and ne ltting more food into the stomach, tates the The action of limestone phosphate bottle of id hot water on an empty stomach tie at any wonderfully invigorating. It cleans tively rea it all the sour fermentations, gases corn or c? ante and acidity and gives one a lions of A lendid appetite for breakfast and come this is said to be but a little while until inaugurati ie roses begin to appear in the your drug leeks. A quarter pound of lime- tell him t one phosphate will cost very little you.?Ad> Ill 11 T YOUR SERVICE nting is th< That is th ng that wi imess "stan ever you s "stands up" d than the "laj ae to place you) fou'll- need lots o SS AND BAr at Stands Up ug store, but is sufficient IONF^i P nyone who is bothered with i. 3, constipation, stomach rheumatism a real enthule subject of internal sani- \X7:j.L J 'ry it and you are assured With bad TO will look better and feel j.i ?^?11 every way shortly.?Adv. Wlt" Small loa broken harnes IS AND PIN on wife's dresser children kept the sick baby, Man TelU How to Shrivel ns or Calluseti no They j stalled in red < t Off With Finger#. a small road t ?! ? ! This kind of rough Ask any docto ie heard less here in town rmihied with corns will foi- suffered Dain i imple advice of this Cinthority, who claims that a bad roads. He of a drug called freezone ied to a tender, aching road tax migh ardened callus stops sore- ? ice, and soon the corn or than gOOQ I*OaC is up and lifts right off ,1 . 1 1., ain. thing in this hi freezone dries immediate- tkjniy to ffet to ver inflames or even irri- ? 4 ? surrounding skin. A small the neighbors, freezone will cost very lit- , . J? ? Vnnf will -nnci- I to receive the UJ. Ug Ol/VXWj WUV (>* rww. love every hard or soft ___ l_l--7 illus from one's feet. Mil- QUICkiy . IOU jnerican women will wel- funds J pi*Ovid< announcement since the _ j A on of the high heels. If K0&Q8 AllgUSt grist doesn't have freezone 0 order a small bottle for r. \ - J IB 9 ^RHk H Kg inn ' 'i / * : -r J $ IN THIS LINE 1 t MnraHmnanBHraBMIIHMHinHHMBnnHBnai bhbmhbmhmf . ^ I e dress of . i_: i e iuiiu wc ill MAKE ; d up" for I end it...... I lon't cost you r-down" kind J 1 r order for Fall f it this year WER CO. i. Phone 10 Wfc 1 I AYS THE FREIGHT NOW. ads the farmer pays all the freight, ids of fertilizer, broken springs, s, broken wagon, strained mules, from r.hiirrh anrl sr.honl. Pirhir^ a worried mother, raining, doctor clay roads. ..Who pays then? For ax the baby's life might be saved, r in Abbeville county how many &nd sickness last winter because of >w many children died that a small t be saved? Are funerals cheaper Is? Is the Almighty dollar the big Fe, or do you feel it is worth somechurch, to Sunday School, to visit for the children to attend school, mail, to have the doctor come cannot have good roads without e them by voting bonds for Good 7, 1917. 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