Shaw Bertram Open San Francisco A Guide to Intelligent Home Office Furnishing

The Shaw Bertram Lumber Company, of Klamath Falls, announce the opening of an office in San Francisco, in the Crocker National Bank Building. Mr. C. R. Wisdom, who has been manager for the Pine Box Distributors for several years, and is a veteran in the box shook business, is in charge of that office. The San Francisco office will make a particular specialty of the shook business.

Finance 301000 Homes During Past Year

California building and loan associations made loans for the refinancing or construction of more than 30,000 homes, during the past twelve months, according to C. H. Wade, newly elected president of the California Building-Loan League. Figuring an average of four persons to a home, this financing assisted 120,000 people to live in their own dwellings. The total amount loaned approximated $90,000,000, Mr. Wade reports.

The larger proportion of these loans were made on single family dwellings on a monthly repayment basis; This plan not only gives the association a constant inflow of funds but gives to the borrower the opportunity to pay for his home gradually, out of income.

More than 700,000 homes were financed by the 13,000 building and loan associations of the nation, during the past twelve months' period, states Mr. Wade. These institutions now have more than eight billion dollars loaned on improved real estate, representing the savings of 12,000,000, or 10 per cent, of the population of the country.

"Since 1920, building-loan associations of this country have financed 3,796,0ffi homes, representing an expenditure of $13,144,600,000, which provided housing for 18,965,000 persons", the State League head declares. "There is more to be considered than mere housing of so many millions of people. It is estimated that approximately one-half of the cost of a home goes out for labor of one sort or another. Therefore, more than a billion dollars went out last year to workmen or artisans who have helped to construct these homes. The only way in which this could be done was through the building-loan method of financing which enables millions of people to own homes who would not be able to do so under anv other known method of financing. The prosperity of the country is held up largely through the construction industry, 50 per cent of which has been in the residential field."

Washington, D. C., Sept. 20.-The fact that 1,500,000,00O board feeiof lumber goes into the American home as furniture-that about $2,000,000,000 are expended annually for furniture-and that the furniture itself reflects the personalities of those living in the home, is recognized by the U. S. Government as a subject on which even the most cautious consumer needs all the information obtainable for intelligent buying. To this end the National Committee on Wood utilization of the Department of Commerce has just published, "!-s1pifs1g-Its Selection and IJse", a l2Gpage pamphlet, profusely illustrated and containing a wealth of practical, authoritative and concise information.

The author, Clark B. Kelsey, furniture specialist of the Committee, has divided the subject into four parts, the first covering the preliminary considerations of selection. The chapter on budgeting makes the following apportionment of funds for each room : For furniture, 65-70 per cent; for floor coving, 15-20 per cent; for draperies,8 per cent; for decorative accessories, T per cent. "It is a recognized fact" the author says, "that the layman cannot become an expert onthe multitude of commodities he has to buy. Competition in the present retail market has caused price to be emphasized. Consequently, when buying furniture, the American public has been thinking in terms of dollars and cents rather than of durability and beauty of design. The importance of thinking out a buying plan cannot be over-emphasized.

One chapter is devoted entirely to comfort tests, details to be observed in selection, and adjustments to individual needs.

Part II is a small text book in itself on the principal woods used in the manufacture of furniture; wood growth and structure, good furniture woods and construction features.

Part III appeals especially to those unfamiliar with period styles and gives practical advice on what is a dangerous venture for the uninitiated the harmonious combination of different styles, and the proper combination of wood specles.

Under part IV the care and repair of furniture is discussed. Even crating for transportation, the elimination of insect pests and the cleaning of upholstered furniture comes under consideration.

In the appendix a glossary of furniture terms and bibliography complete a long-felt want of home makers.

"pu1ni1u1s-Its Selection and IJse" is for sale bv the Superintendent of Documents, Washington, D. C., -at 20 cents a copy, $7 a hundred and $65 a thousand.

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