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HomeMy WebLinkAboutClinton News-Record, 1960-07-14, Page 10Modest Three-Bedroom Bungalow Boasts 'Good interior Layout • • ••' • % • rt.!: .2/L. • • • e:,.• ,0 • 4. • -4, • I • • : . -- • • • • .••.• • What Do You Do About Clippings When Lawn's Cut? The lawn is cut. That's good, but the clippings are still there, Should you rake them up? Should you let them stay there? Just what should you do? Horticulturists with the On- tario Department of Agricul- ture are prepared to give the pros and cons of either alter- native, because neither can be taken as gospel, Sum it up this way:, it depends on the condition of the lawn at cut- ting time. Most people in Ontario leave the clippings on the lawn, This is correct if you follow a reg- ular, frequent mowing sched- ule and leave a few clippings each time. But there are times when 'the clippings might cause injury to the grass. That's when it pays to cart them away. Remove the clippings if; * the grass is wet at cutting time. Wet clippings gather in clumps and block the passage of light and air to the grass below. This may cause it to smother and rot. * the clippings are especially heavy (over% inch). hentgrass is the main com- ponent of the lawn. * the clippings are full of crab- grass and seed heads. Re- moval will check t heir spread. Don't discard these clippings; use them as compost or mulch. And here's why it pays to leave the clippings where they Clinton Electric Shop For ELECTRICAL APPLIANCES and WIRING Clinton — Phone HU 2-6646 BUILDING and REMODELLING REFERENCE LIST • PAINTING and DECORATING D. A. Kay & Son FLOORS SANDED VENETIAN BLINDS PAINTS and WALLPAPERS Clinton — Phone HU 2-9542 GRANT RATH • ROOFING Earl Doucette Built-up Asphalt Roofing Coating—Patching—Shingling Roof Repairs of All Types Phone HU 2-9741 — Clinton • PLASTERING CONTRACTOR Architect M. G. Dixon, of Ot- tawa, has managed to include sev- eral interesting features in this com- pact three-bedroom frame bungalow which is under 900 square feet in area. Some of these features not usually found in a house of this size include a large kitchen-dining room, an entrance vestibule and a walk-in clothes closet in the master bedroom. The house is particularly adapt- able for a narrow lot frontage and has a protected front entrance lead- ing from the carport. A further point of interest is the basement which is divided into two areast with the laundry and furnace group- ed on one side leaving the other side free for a recreation room or other uses. The total floor area is 898 square , feet and the exterior dimensions are 24 feet, four inches, by 39 feet, eight inches, excluding carport. Working drawings for the house, known as Design '295, may be obtained from Central Mortgage and Housing Corporation at min- imum cost,. BEDROOM IOC *le B . BEDROOM BEDROOM 1110- r ate LIVING ROOM lit int we R.E KITCHEN •DININ6 ROOM ate IREMEREmleam.• D V 3: era C•O' a-aa, sae ef IF THEJOS IS LARGE OR THE JOB IS SALL, OUR SERVICE WILL PLEASE ONE AND ALL / IN YOUR NEW NOME / LET US INSTALL... / A WAV OF AWING, THAT WILL TOP THEM ALL! _An L14 )-I4 YO)14, StA 1 trireri°A1 MiZet IF YOU MISSED OUT ON COMFORT LAST WINTER CONVERT NOW TO NATURAL GAS! Only Gas gives you all these benefits: SPEED ECONOMY ; ; CLEANLINESS ; s a SILENT OPERATION a . DEPENDABILITY a a AUTOMATIC CONTROL FREE SERVICE: Your gas company Is on call 24 hours a day gives your burner a free yearly cleaning and adjustment: BUDGET PLAN: Pay the modem; easy way: Your gas company offers a budget plan which spreads your yearly heating bill over a ten month period: Discover the benefits of a modern, economical Gas Heating System for your home today: NOW IS THE TIME A modem, automatic Natural Gas furnace or Conversion Burner can be installed in a few hours with absolutely no muss or fuss. Of course, you may budget the low cost over many months: Don't wait for the rush season. Learn how you can have solid comfort next winter by calling your heating contractor or Union Gas Company for a free estimate. Unlataa aaaaaa, , AT YOUR HEATING CONTRACTOR OR UNION. 35 Colborne St. GODERICH Phone JA 48317 No more painting for years thanks to, SHERWIN-WILLIAMS You pay a little more for Sherwin-Williams quality, to be sure, but it's well worth it! For • Sherwin-Williams House Paint goes on.easier and stays on years longer. In fact, you actually save money. Look at it this way. Suppose you buy a cheap house paint at, say $4.00 a gallon less. O.K., you might as well face it, you'll have --- to paint every year because of its poor quality. Then where's your supposed saving? And don't forget your hours and hours of extra labour. With Sherwin-Williams, once you paint, the job is done... for years to come! S.W Town and Country House Paint Beautifies and protects wood siding, trim and metal surfaces. Flows on smoothly, easily. Comes in a wide selection bf colours as well as gleaming white. too .inr.M ROUSE PAtlq. PON S-W A-100 Later House Paint New! Offers never-before beauty, case of application and durability. Dries lightning fast. Permanent colours stay sparkling bright. White stay.! really White. Clean-up with just Water. See your local SHPRIVIN-WILLIAMS dealer BALL & MUTCH I.H.A. HARWARE Albert Street Clinton, Ontario Phone HU 2-9505 NM Loans Made by Approved Lenders Not Subject to Income Limitations Building permits totalling $27,550. Clintonin were gran-. ted at Monday's town council meeting. This brings the total value of permits to date, to $314,45S, Buildings proposed are ari.ad- PAINTER and DECORATOR Huron Street—Phone HU 2-7040 Clinton • BUILDERS' SUPPLIES Ball-Macaulay Ltd. Phone HUnter 2-9514 Full Range of Builders' Supplies COAL—LIME—CEMENT King Street, Clinton J. W. Counter BUILDERS' SUPPLY "Everything for the Builder" Clinton — Phone HU 2-9612 Fred J. Hudie BUILDERS' SUPPLY and Sawmill Where your building dollar goes farther CLINTON — HU 2-6655 • GENERAL CONTRACTING EARL DOUCETTE BUILDING CONTRACTOR Asphalt Roofing CLINTON—Phone HU 2-9741 M. McADAM Clinton — Phone HU 2-7070 GENERAL CONTRACTING Industrial -- Commercial Cement Work CALE DOUCETTE BUILDING CONTRACTOR Clinton Phone HU 2-9562 • HOUSEHOLD ITEMS Irwin' S LADIES' WEAR Draperies — Curtains — Blinds Curtain Rods — Drapery Track — Estimates Free — Clinton — Phone HU 2-6623 McEWAN'S CURTAIN RODS WINDOW SHADES VENETIAN BLINDS Clinton — Phone HU 2-9766 CHESTERFIELDS and RUGS CLEANED in your own home Wilfred Gaudet HU 2-9163 • SIGN PAINTING KIRBY SIGNS CLINTON TRUCK LETTERING HU 2-9520 — 147 Townsend St. dition to Clinton 141.1.11047 and Cleaners on Mill .Street $6,000; to Canada, Packers, Victoria Street, $1,400; and two new homes, for Cq Bertrand, $9,- 000 and N. Johnston, $11,000. Also a shed by Ray Hoggarth, on Huron Street, $150. Carman F. Garrow PLASTERING CONTRACTOR and General Repair Estimates Gladly Given 139 Queen Street, Clinton Phone HU 2-7008 • HEAT, LIGHT and PLUMBING Cities Service Oil Co. Ltd. Jack Scruton, Distributor HEATING FUELS Clinton — Phone HU 2-9653 GINGERICH'S SALES and SERVICE Seaforth Zurich Phone 644W1 Phone 34 Electrical and Gas Appliances Gas and Oil Heating, Plumbing Electrical Installation & Repairs Motor Rewinding A. G. Grigg & Son Clinton — Dial HU 2-9411 COAL -- FUEL OIL CEMENT A. F. Scotchmer ELECTRICAL CONTRACTOR Domestic -- Commercial Industrial BAYFIELD — Phone 16 Harry Williams HEATING FUELS White Rose Petroleum Products RR 2, CLINTON Dial HU 2-6633 WISE PLUMBING and HEATING Harold Wise, Prop. Clinton — Dial HU 2-7062 Plumbing -- Heating and Electrical Services • CONCRETE HENRY YOUNG CONTRACTOR General Concrete Construction CLINTON — Phone HU 2-9496 • LIGHTNING PROTECTION E. R. Doucette Clinton, Ontario LICENSED LIGHTNING ROD AGENT FOR ONTARIO 168 Queen St. Phone HU 2-9741 21-tfb Income limitations in effect this year for National Housing Act home-owner loans made di- rect by Central Mortgage and Housing Corporation do not ap- ply where loans are obtained from approved lenders such as banks, life insurance and trust and loan companies. Contrary to the opinions of many prospective home-owners, the mortgage lending activities of approved lenders have not been affected by the Corpora- tion's new lending policy. Con- sequently, income limitations are not a factor when applying for an insured loan from len- ders operating under the Na- tional Housing Act nor do salary limitations apply to ,houses sold by builders and financed under the NHA through approved len- ders. In addition, the new in- come requirements are not ap- plicable to houses financed in 1959 through CHMC loans to merchant builders and now available for sale. The Corporation's new direct lending policy was announced last April and follows closely the pattern established in pre- vious years. However, some re- quirements which governed pre- vious direct loans, such as house size and specification limitations, are no longer in effect. CMHC home-owner loans are not available to builders building houses for sale. Before applying for a CMHC loan, the future home-owner must first apply for a National Housing Act insured loan from approved lenders. Central Mort- gage and Housing Corporation as a residual lender cannot make a loan unless the borrow- er produces written evidence that he has tried to obtain an insured loan from two lenders, including the bank or insurance company with which he normal- ly does business. In small towns of less than 5,000 population and in rural areas, where lend- ing facilities may be limited, written evidence must be pro- duced that at least one attempt at securing a loan. has been made. To qualify for , a CMI-IC loan, the gross annual income of the applicant must not exceed $5,000 for families of up to two children, $5,200 for three-child families, $5,400 for four-child families and $5,600 for families of five or more children. Gross income includes the applicant's earned income together with any investment income or pensions he and his wife might have and 20 percent of the wife's earned income if she is employed. Fam- ily allowance payments are not considered a part of a wife's income. The total gross income is that applicable to the 12 months pre- ceding the date of application. A statutory declaration of in- come is required from the ap- plicant and his wife. The amount of loan for a single-family dwelling is calcu- lated from the lending value of the house and land on the basis of 90 percent of the first $12,- 000 of lending value plus 70 percent of the remainder of the lending value, subject to, a max- imum loan of $12,800. The lending value is determin- ed by CMHC and may not coin- cide with the applicant's esti- mated construction cost. The down payment is the difference between the amount of the loan and the cost of the house. The interest rate on Corpora- tion and approved lender loans is 6% percent per annum cal- CARPORT culated semi-annually and not in advance. Other charges in connection with the loan in- clude a mortgage insurance fee and an application fee. The loan is repaid in equal monthly payments over a period of 25 years. In cases where the repayment of annual mortgage charges plus taxes exceeds 27 percent of the applicant's in- come, the term of the loan may be extended up to 30 years to assist the applicant to become an eligible borrower. At the written request of the borrower, the period of repayment may be less than 25 years. ., The NHA mortgage includes a clause which permits the bor- rower to pay the balance, 'or any portion owing on the loan, on the date of the 36th instalment and any subsequent payment date. In addition, a payment equal to ten percent of the or- iginal loan may be made against principal on the 12th and 24th month after the interest adjust- ment date. A three-months' in- terest bonus may be charged on additional amounts paid against principal, Before submitting a formal application the applicant should obtain preliminary information from the nearest corporation field office and complete the corporation's questionnaire. If the questionnaire indicates that the applicant may be eligible for a loan, an interview will be ar- ranged by the CMHC office and the applicant may then be asked to make the formal application. The application must be ap- proved before construction of the house is started. It cannot be approved if work has pro- ceeded beyond the bare excava- tion stage. Construction must be started within 45 days of the date of the approval letter issued by CMHC. If construction is not started within the specified period, ap- plication may be made to the coroporation for an extension of time up to 30 days, a maximum of 75 days in all. Page 10---Clinton News-Record Thursday„ July 4, 1960 Building. Permits 'Total $314,48 First Six Months 1960; More Homes Herb Stephenson iS in Clin- ton Public Hospital. Mr. and Mrs, Alex, Murray, Waterloo, spent .Sunday with Mr. and Mrs. Norman Dickert, Norman. Long is .expected to return home on Wedneaday from Seaforth Hospital. Mary Helen Plumb is. atten- ding Huron Church camp at Bayfield for ten days. Mr. and Mrs. I. Robinson were in Toronto over the week- end, visiting a son and daugh- ter-in-law. Mr. and Mrs, Hanes and children returned from a few clays in St. Hubert, Quebec, where they visited relatives, .Mr. and Mrs. Bert Thomson and family and Robert Thom- son, spent Sunday afternoon near Grand. Bend. Mr, and Mrs, Gerald Hub- bard, Kenny, Roger and Randy spent Sunday with Mr. and Mrs. Kenneth McLellan and Jill. Mr. and Mrs. Ivan Wren and Laurie, Hanover, visited over the weekend with the former's are. Clippings settle down near the grass roots where they act as a soil-cooling mulch and a spongy layer for retaining wa- ter. Clippings supply the grass with nutrients when they de- cay. And if you live by a vac- ant lot, wind-blown weed seeds will have difficulty working through the barrier of clip- pings. It's a good idea to shake the mower once in a while, to keep it free of large lumps of grass. NEWS OF KIPPE D (CerresPondont, MRS N. LONG, Phone Honsall 1594r15) Parents, Mr. and Mrs. Of"10r4 Wren. Mr, and Mrs. Albert Keyes,, Mr. and Mrs Ross Love and Mrs. Grant Love attended' the funeral of a relative in Brig- den on Monday, William Arnold of the Lon- den Road was taken by =Abu- lance on Sunday to Scott Mem- orial Hospital, Seaforth, and placed in an oxygen tent. Mrs, John Alexander enter- tained ten little girls for her daughter Iris, the occasion be- ing her 8th birthday, on Thurs- day last, Games and contests were enjoyed by the children. The Woman's Association of St. Andrew's United Church held a successful strawberry and ham supper on Wednesday, July 6, A very good crowd' at- tended and over $200 was real- ized, Master Larry Consitt, son of Mr. and Mrs. Jack Consitt, is spending this' week with his grandparents, Mr, and Mrs. William Shepherd at their cot- tage at Ipperwash. Mr. and Mrs. John Pepper and Marian attended the cena tennial of Auburn Presbyter- ian Church and also the 34th annual service at Ball's Ceme- tery. Mrs. Crystal Anderson, Mar- lette, Mich., passed away Fri- day evening, She was a sister- in-law to Mrs. William Win- der, Mrs. Elston Dowson and Mrs. Arthur Anderson, The funeral took place Monday in Marlette. Mr. and Mrs. John Anderson and Dessie attended.