a
"considerable sum of money at one
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'HIIIISE PIIIIIIIIII
NIIW MIIIE EISI
Work Can Be Paid for on theI
Installment Plan;
AN ECONOMIC NECESSITY
Meets Need of Small HemmOwner
end Encourages Budget System
of Home Financing.
By onus r. K. noarou
The increasing popularity of the
budget system of apportioning
household expenditures and the ex-
tension 1' the partial-payment
method 03 securing commodities to
cover most of the necessities of
life follows naturally the trend of.
our present economic system.
Investigation has disclosed the
fact that on the average, in any
community. 10 per cent of the peo-
ple buy for cash; 30 per cent have
charge accounts: and. by the proc-
ess of elimination. 00 per cent buy
on "easy terms" or the installment
plan. The average income is less
than $3,000 a year. The most per-
tinent aspect of that. however. is
the fact that this income is re-
ceived. not in a lump sum at the
beginning of the year. but in week-
ly or monthly portions in the form
of salary. commissions. and the
like.
In consequence. the expenditures
of the average home owner must
be. not in a lump sum but. for the
most part. a little at, a time. His
”$32
.8
(Any reader Interested In this
plan can obtain an exact estimate
of Its cost at the present time
from any responsible architect.
contractor or lumber dealer, who
can obtain specifications at a rea-
sonable cost by communicating
with this paper.)
Prospective home builders may
secure an up-to-datc.book of home-
building designs. containing 160
good perspective views and blue-
printed floor plans for only 81 by
addressing the homebullding edi.
tor of this paper.
out-go is regulat by his income.
Naturally in or er to plan for
future necessities. to provide for
future desires. some sort of pro-
vision has to be made out of the
weekly or bl-monthly stipend. A
budget is the obvious solution to
the problem. in fact. the inevitable
one. A man ordinarily buys food
and necessary clothing from his
current income because they are
absolutely necessary to sustenance
and also ,because they do not run
into very large figures. But unless
he plans and saves for them. those
items that mean an outlay of a
time. they are of necessity denied
him. .
Meeting Home-Owner's Needs.
Recognizing this condition sur-
rounding the home owner. most of
the large mercantile houses have
made it possible for the consumer
erty owner of one-fifth of the total
amount W the painter at the time
the job is done. The remainder is
paid at regular intervals during the
ensuing ten months t9 the finance
company. The painter receives the
amount due him from the finance
organization as soon as his work’
is completed. The finance. company
thus becomes tbp sole creditor of
the property owner. A mortgage
upon the property d es not make
a home owner ineligi le for a par- ’
tlal-paymcnt contract. General
repute and character is the prlme
criterion.
An Economic Necessity.
The introduction of the "install-
mcnt plan" into the field of paint-
ing contracts is significant because
it’ indicates the growing realization
that because money ls.earned on
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IIROI noon PLAN
WHY NOT BUY YOUR 56th
FROM A LADY DRESSMAKER?
Just as Reasonable as to Have‘Your Furniture Made
by e Carpenter.
I
Just a word to the men—how
many of you would allow the village
dressmakcr to tailor you a suit 0:
clothes? Not many. surely. and yet
in the building of a house as little
to buy on terms that do not de-
mand the payment of a large sum
at one time. Thus the budget plan
is further encouraged. for by
means of the installment plan the
A Well-Lighted Corner
weekly salary can be made to cov-
er. in a portion at least. the ex-
penditures of an entire year. The
large concerns have adjusted their
terms of sale to meet the cou-
sumer‘s requirements and. as a re-
sult. the average home owner is
aflorded comforts and conveniences
that he could not enjoy if the in-
staliment faint of buying did not
exist.
The very home that shelters him
and his family could probably
never have. been his bad he not
been given the privilege of buying
it on the deferred-payment plan.
And without such a plan. that
borne would most likely never have
been more than a house. partly
furnished. poorly lighted. devoid of
labor-saving devices the. stranger
to music and the finer things—all
of which he is entitled to and
which. fortunately, buying on the
installment plan has made avail-
able to him.
But the home that he is buying
on partial payments needs amin-
tenance. protection and decoration.
It is built out in the open where.
the rain and snow. sun and wind
play upon it at will. For appear-
ance’s sake. for economy‘s sake. it
must be painted periodically.
Cost of Upkeep.
Flaws in budgets occur because
of just such necessary expendi-
tures. The individual. in allottlng
money for various tangible needs.
frequently forgets the more ab-
stract necessities of which “up-
keep" is an important example.
And. unfortunately. the dealers in
just such abstract commodities-—
painters. decorators. and the like—
have not. until recently. been able
to conform to the actual economic
situation of the average man, Con-
sidering how difficult it is to make
lump expenditures of over a bun-
dred dollars at a time it is no won-
der that an investment of .unpar-
niléled importance to home owners
-— aint—is often neglected.
aintlng often demands more
money than the average home
owner has lying around. As a re-
sult. painting is put off. decay
allowed to set in; rust and rot d g
through the surface. impairing the
structure and- piling up_costly re-
pairs for the future. The home-
owner-ts investment is being do
pissed his home becomes more or
lees dilapidated. the impression up-
on tbe public is not favorable and
the effect upon his and his family's
morale anything but good.
Partial Payment Plan.
partial payment plan for fin-
alizing painting contracts as it is
being put into practice. makes it
possible for the home owner. to
' t his house twhea it nfeds
t and pay or e war as
syncing“ the money. This plan
saves the home owner the money
he would have to lay out for re-
pairs. resulting from putting off
painting. it enables him to "bright-
en up" his surroundings. it in-
the vhiue of his property—
in a word. it provides him with
something he needs when he needs
it. and actually saves him money
in so doing. -
partial-payment plan for
The tins contracts pro-
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gate-leg. the new
other practical table which may be
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The Draperies Add to Brightness.
care and discrimination seems to be
the partial-payment plan it must
likewise be spent in the same way
in order to assure the individual
the greatest return.
Whether or not the budget‘ is
taken serlOUsly. whether it occu-
pies a place in the family's respect
close to the family tree and chen-
ished heirlooms. or whether it is
smiled at and treated with great
superiority. the budget system. or
the method of apportioning inter-
mittent incomes to cover large ex-
penditures. necessarily exists. And
following the budget system is the
partial-payment method of buying.
The three factors fit neatly
together — intermittent incomes.
budgets. and installment payments.
They are outstanding features of
our present economic system. The
extension of the partial-payment
plan to cover painting contracts
answers a long-felt need for the
home owner and. devised as it is.
furnishes him protection at a mini-
mum of trouble and expense. It is
a natural development and is a
forerunner of a greater apprec].
ation of and conformity to. the
exigiencies of our present economic
structure.
Every room in the home is made
more attractive by using some sort
ofa suitable table. the tip-top. the
in. writing or any
‘....':1/1 4:
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exercised about some parts. Take.
for instance. the bookcases that
some architects insist upon draw-
ing into the house plans and some
carpenters insist upon executing.
This building in of bookcases has
become quite a prevalent thing in
the last few years and. nine times
out of ten. the result of the built-in
model is an awkward. ungainly
structure. fashioned by those u'n-
skilled in the labor. They are usu-
ally turned out by the carpenter
himself. who in all probability
would not be a carpenter but a cab-
inetmaken—if he were skilled to a
great degree; or by a trim factory
where the making of bookcases is
merely incidental with the more im-
portant parts of their work. and
consequently 'not the result of cure
and thought. In a factorymenu-
facturing bookcased. the opposite is
true. Great pains have been taken
in designing the cases. whether of
a sectional or stationary type.
Masters of the art. who know what
kinds of wood should be made in
certain styles and whatiittie curves
and turns make a piece of furniture
either a thing of grace or of
gaucherie. are employed to fashion
them.
Work for An Expert.
With s scrutiny of the workmen-
ship. the superiority of the manu-
factured product over the built-in
bookcase is decidedly obvious. Til!
eshlaetwers ohm much greater
By H. G. BULLOCK
skill and attention to details; the
finish is of greater smoothness. lus-
tre and durability; while the de-
signs of the two are incomparable—
just as a tailored suit made by the
village dressmaker would be ‘a
grotesque object while those things
that came within her range of possi-
bilities would be worthy of praise.
The bookcase is simply not a piece
of carpeutcring. It is as much a
piece of furniture as the dining-
room table. and it never enters any
one's head to have that constructed
by an amateur.
Allow for Expansion.
Moreover, a bookcase is.as per-
sonal. if not more so. than any of
the other fumltnre of the house. It.
too. must show the individuality of
those living in the house. The
bookcase that is built-in is as in-
congruous as the man who builds a
house and tells his architect that
he wants a library and that be ex-
pects his decorator to furnish It
with books as well as furniture.
The built-in bookcases are of the
same dimensions and capacity for
a family of booklovers who have so
many books that the overflowing
supply must be kept‘ in a closet (for
it is a very diillcult thing to add to
one‘s bookcase space in a situation
like this and match the built-in va-
riety with the manufactured). as
for a family whose reading consists
in a perusal of the current maga-
zines and whose stock of books can
be contained in two shelves. the rest
of which are either left appallingiy
vac at or filled with odds and ends.
Nell cr is a pleasant sight. If the
families were allowed to choose
their own bookcases they could ob-
tain those that suited their needs
and not have the standard "live-
foot" variety thrust upon them.
CARVING UNNECESSARY
WITH VENEERED WALNUT
Handsome Grain of Wood Furnishes
All Needed Embellishment.
There have been times in the past
when the maker of furniture do-
pendéd upon intricate carving t‘o
embellish the finest furniture.
Such work was done by hand and
very often represented weeks or
months of patient work. Our mu-
seums contain many such pieces.
particularly of French and Italian
designs in walnut.
Even today such pieces are made
on a limited scale and with more
modest: carving but the tendency in
furniture design is away from
carving. There are several reasons
for this. One is the. cost. With
the high prices paid to skilled labor
such furniture is practically pro
hibltive inprices. At last it is out
of~tbe reach of the‘great mess of
furniture buyers. Another reason
why such furniture would not: be
popular. even if it were less ex
pensive is the fact that it catches
dust and dirt and is hard to clean.
The hwsekeeper has by far too
many interests to spend hours in
picking the dust from tiny crevice!-
Another important reason why
carving is not vised Is that it is no
longerneeded to make a beautiful
piece of furniture. The designers
have given‘ their pieces graceful
lines and depend upon a beautiful
wood to take the place of carving.
Most of our furniture is of Ameri-
can walnut. Even in the cheaper
lines. walnut appears on the prin-
cipal surfaces as veneers.
Beautiful set-faces. ,
In good walnut furniture the ex-
ELECTRICAL so
_ I
UIPMENT
ESSENTIAL TO THE HOME
Each Room Should Have Outlets‘Suiiicient for Every
Requirement.
By S. E. DEVENISH
Whether "home" is in a bungalow
or cottageds quite immaterial. so
far as concerns the.electrlcul pro-
visions needed ln making the dom-
icile the cozy. convenient and well-
appolntcd retreat that home signi-
fies. Home is home whether it
consists of one floor or me.
whether the bedrooms adjoin the
dining and living‘roms or are lo-
cated upstairs. Electric service.
likewise. can pass from room to
rootn or go to the second floor with
equal ease. Facilities for utilizing
the service-the same in either
case—~only are required—that is.
adequate and well located outlets to
accommodate fixtures and fittings
of the class and character taste
dictates or the pocketbook ’permits.
In the Basement.
Tile well-appointed basement to-
day includes more than the collar
for housing the hoatlpg plant. with
a corner partitioned off for a coal
bin. A properly planned preserve
room is needed. The laundry usu-
- ally occupies a corner of the base-
ment and the coal bin is :1 room.
Overhead illumination is employed.
the. cellar proper should be pro-
vided with several ceiling outlets--
usuaily four—one of which is lo.
cated in proximity to The heating
plant and another near the electric
meter and entrance switch. In
' the laundry. about as many ceiling
outlets should be provided. one
over the tabs and another located
so as to provide special illumina-
tion for Ironing. in addition to- the
outlets needed for general illumina-
lion. .
if the stairs from the floor above
should enter either the laundry or
the open cellar. one of the ceiling
lights in the room first entered
should be controlled by a switch at
the head of the stairs. as well as by
a switch in the room. necessitating.
a threeuvay switch. A ceiling out-
let in the other room. either the
cellar or the laundry. should then
be controlled by a wall swatch at
the door between the two cham-
bers. oiling outlets in both the coal
room and the one for preserves
should be contrbllod by switches at
the entrance doors.
A convenience outlet. preferably
of the duplex type. should be lo-
cated in the cellar and at least
three such outlets in the. laundry.
for the use of electric irons. wash-
lug machines. lronors. workshop
tools. etc. . Electric energy for
light. heat and power is highly de-
sirable in the basement.
Main Entrance and Hall.
The entrance vestibule requires a
ceiling outlet controlled by a three-
way switch in the vestibule .and
main h ii and the central hall
should it. controlled by a three-way
switch from main hall and from
the second floor. it there is one. or
from the master bedroom. if there
isn‘t. A couple. of side outlets will
usually dress up the hall to good
advantage and the ”should be. of
course. the conven nce‘ outlet for
the suction cleaner and possibly a
floor lamp. .
If there is a closet in the ball. as
there. should be. it should be pro-
vided with a ceiling outlet. This
one refinement will prove a real
convenience. ‘
Living Room. Dining Room and
Kitchen. .
'i‘he illumination in the living
room should be, flexible as well as
adequate. Overhead. side wall and
portable lamp light should all be
available. This will mean. if the
room is not very large. a ceiling
ing. to convert the side table into an
effectively useful adjunct. and last.
but not' least. for the attachment of
ibesucllnn cleaner rm necessary
Whore meals are server]. A floor
outlet for the accommodation of the
appliances actually used on the
dining table should not be over,-
looked. ‘
The kitchen. naturally. should be
provided with every reasonable fa-
cility for making use of electric
service. One or two ceiling outlets
controlled by three-way. switches
are essential. one, of which should
be over the sink. Three ('nm‘l-n-
ience outlets are also required. If
any of the ironing is to he done. In
the kitchen and electrical cookery
can be enjoyed. the third one being
for the operation of the motor-
drlvcn appliances which so grcutly
lighten the preparation of meals.
The ice-box nook should be pro-
vided with a convenience outlet for
the electrical refigerutor which will
~ An Apartment Bedroom
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outlet controlled by a three-way
switch. side outlets straddling the
fireplace” with two others on the
opposite wall. and a number of con-
venience outlets—half a dozen are
none too many. These latter will
be used for the suction cleaner. the
connection of the many electrical
appliances used in the family room
of the modern dwelling. and the ac-
commodation of the floor and table
lamps which give the flexibility to
lighting that individual tastes coul-
mand. which by their presence also
serve ass-attractive and useful dec-
orations.
The dining room will prove more
attractive and much more conven-
ient if some side. outlets are pro-
vided. as well as the ceiling outlet
for the dining-table lights. The lat-
"ter. by the way. should be con-
trolled. by three-way switches at
pantry and family entrances. At
least three convenience outlets
should be provided. to accommodate
the several electrical table appli-
ances that do so much to make the
home meals distinctive and appetiz-
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Modern Furniture Ellis All Needs.
some day serve the home. The
rear entrance will require a ceiling
outlet controlled by a wall switch.
while the kitchen closet and toilet
both require ceiling outlets.
Breakfast Room. Pantry and Sun
Porch.
If the house boasts one Of those
cozy breakfast rooms. the hook
should be provided with a ceiling
outlet controlled by a switch near
th kitchen door and at least one
con.enlenco outlet. The. indispen-
sable pantry should have a ceiling
outlet controlled by a wall switch.
The sun-porch, one of the most
delightful rooms of the home.
should be adequately lighted from
overhead and. in addition. provided
with convenience outlets to accom-
modate floor lumps and tea-wagon
appliances. While one ceiling out
let. controlled by a wall switch. will
suffice if the room is not too large.
at least two convenience outlets of
the duplex type will be needed for
supplementary or auxiliary illumi-
nation service and for serving the
appliances.
Passing to the living quarters—-
MMMMINOI'IOMW'
»
The Well-Equipped Fireside *
f/HB @550 I62
Comfortable Chairs With Convenient Lumps.
nut wood. These parts may be
elaborately turned. as in legs. but
otherwise they usually are quite
plain. The larger surfaces. such as
the top. front and sides of s
dresser. are of walnut-faced ply-
wood panels built into the solid wal-
nut frame. These plain surfaces
are usually of stumpwood or other
figured material and the beauty of
he figure and its artistic matched
ttern is as beautiful as a fine tap-
estry or painting. With the use of
such decorative wood with e iiat
surface. the piece can be more do
sireble than the most elaborately
carved furniture and at the same
time more economical in original
cost and upkeep. The walnut ply-
wood psnel of today. properly made
ill/711.11”!
IIIIIIIIIIIIIIIIIII
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Picture Tapestries.
As a variation from the framed
picture on the wall. it is most
effective. especially in more preten-
tious homes. to hang a pictured tap-
estry at the end of a long room. in
a hallway or over a wide and high
manteipiece.
There are many beautiful tapes»
tries now being made. with pat-
terns and colors as rich and inter-
esting as in the far-away days
when the Gobelln weaving: were
bought by kings and nobles for
their castles .
A particularly good use for a
large tapestry is to hang it over an
extensive wall space in some part
of the house when there is a feel-
ing of coldness or bareness. for it
immediately seems to give warmth.
with the best glue and proper!
pieced in furniture. is merchandid
at- highest anellu- , ‘
and its interest of scene seems to
filth-t pen .0! the room
a
‘ a
bungalow or cottage—each room
should be provided with a"celllng
outlet controlled by conveniently
situated wall switches and the main
hall probably with two ceiling
outlets controlled by threeway
switches. Bedrooms. bath rooms.
halls and passages all require con-
venience outlets. two or more in the
bedrooms and at least one in the
other rooms.
When building. it is relatively
simple and inexpensive to locate
outlets wherever desired—later it is
not so simple and far more costly.
'To select: the strategies! odtlet loca-
tion in each case is not dlflicult.
General illumination can ordinarily
best be secured from a ceiling out-
let—every room. hall and important
closet requires one—with side out-
lets to supplement it with conveni-
ent portable lemon and for use
with various appliances,
~ anything is one of those ultlm
IIIHIIK HIIIISI
HISIHIHIIII
lis Endurance wm Defy sr
Flood, Fire and Time.
BRICKS ARE PERMANE
Will Not Run Down or Decay a
Offer Unlimited Scope to
the Architect.
—.._.
By HENRY WESTON
We all demand character in
man. lie must be sturdy. upri_
anti honorable. enduring; be m
have some dislinction about hi
some force. some personality.
body likes a weak. ilabby. char
tet‘lcss luau.
Why not make the same dem u
of a house in which a man ii
and should express his charact
his personality? if we say of
fine titan that he is a brick. w
could be more appropriate than to
his house should be built of bric
to express and rcprosont him?
Fortunately. brick is just the I
tcrlal best liltcd for this purp r
in fact. just the things demand
of a building material are pre-e-
nently found in bricks-strong.
durability. comfort. economy. bei
ty. If you choose the right deal
and the right' brick for the bee I
and texture of its surface. and til
lay it in a thoroughly craftsm
like way. your house will have p I
mancnce. character. and distin-I
tlon. “
Every man of family owes it I
himself to have such a house
homo. which will not only give b ‘.
and his family supreme satisfacti -
but which will arouse the admi ‘
tion of his friends and nclgilbo ‘
A face brick housr- is always an it
set; you can more readily bo I.
money on it. If need be. than on l- I
substantial structures. or you c I
more readily. rent or sell it. if I
cumsiances so dictate. .
Bricks Are Permanent.
The catalog of face, brick mer.
is very comprehensive. in the fi
place. there is the mattei‘ of per-
hence. Thero is no danger ofbr '
crushing under any weight you it)
impose on it. Brick won‘t .r
down or decay. You don‘t have
patch them up or paint them“ Th "
you can't burn them—they have ;
ready come triumphantly tllro
the fiercest name. Taken all in .5.
the endurance of brick defies stoi‘.
and flood. and fire and time. ' I
You readily see what this men.
in cost. Your brick house an 2'
you in upkeep or repairs. in depre”
ation. and in insurance rates. : I
surauce men are the shrewdest 3 3
the world when it comes to n. ”
risks. and hence. they have p I
fectly good reasons for giving yo
lmv rate on your brick house. ,
through the years your brick ho “ i
will be saving you money on i i
pairs. depreciation. and insuran 3
But you want something mo. ‘
than permanence in your honr' ‘
y u want, comfort. And that?
wmt the brick wall will give yo '-
tight. solid. and defiant against ‘
the attacks of temperature. it kee‘
you snug and comfortable with
Here also is a saving on fuel hi
and, for that matter. doctor bil
Offers Variety of Style.
Then there is attractivenes
beauty in the house. Beauty
I
I
2.3
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values which no one disputes a
everyone wants. With the posslb
lties of color and textures in fa -
brick you can make your house i
veritable gem. You have almost a
infinite choice running from whit
creams. grays. and buffs of ev
shade through all the tones of re
purples. and browns down' to g1. . ‘
metal blacks. Then. if. with ti
variety to choose from. you give
tentlon to the bond and pattern
which the brick you choose are la
up, and to themorlar joint. its kir
its size. and its color. you will
cure in your face brick house
work of art which not only do
credit to you and the builder but
a real benefit to the community.
The impression that a bri
house costs so much more th
other kinds of cases is a great to
take. It is th other things in t
house that make up the great.
part of this total cost. For exa'
pie. the"cost of the brickwork do
not run over 12 to 15% of t
whole bill. and subtracting the cc,
of any substitute. it will be fouz‘
that the advantage of having
brick house has only run 7%
8% over other types. But takl~
into consideration saving on last“;
ance rates. repairs. upkeep. ( 5
preciation and the like. this mu"
the. brick house turn out to be t
most economical in the end.
Presents for Newlyweds
offers a wide range of choices f
the givers, .
- Not' only is furniture a welco.
and timely selection for such gif .
but they prove lasting and servi- ‘
able and are rarely duplicated .
others who also want to present .. ,
newlyweds with some remembren ’ “‘
A serving table. a tea wagon, .
reading lamp. a davenport. a chsl
longue. a set of candlesticks. a co
sole mirror. a console. s, set
book-ends. vases for the mantel =
one of the many other piece.
ways prove an acceptable and ch
ished gift.
Besides. furniture means a . .
deal to a newly wedded couple.
may be just the inspiration nee.
for acquiring a better furn .
home such as you had hoped .
couple would open the door . ~-
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Norwalk Chronicler