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Farm Building Under Way 



Want to Modernize Your Home or Repair 

 Buildings? Here's How to Get an FHA Loan. 



ITS SOYOIL 



Manager Allan McWard (left) of Whiteside 

 Service Company and "Chef" Becker of Illinois 

 Farm Supply Company checking up. 



EEN from a distance of a 

 quarter-mile down the road 

 where two state highways 

 intersect, the farm home of George 

 Long, just outside of Tampico, White- 

 side county, Illinois, looks like a com- 

 paratively new brick dwelling with a 

 slate roof. A close-up view, however, 

 shows it to be an old home, recently 

 covered with composition siding re- 

 sembling face brick. The roof, too, is 

 composition, colored to look like slate. 



A. J. Sheridan of West Liberty, 

 changed from dairy to livestock feed- 

 ing when milk prices got down below 

 the profit line. The switch necessitated 

 a new barn to shelter a flock of lambs 

 he was feeding, some ewes he had 

 purchased for breeding purposes and 

 several head of purebred beef cows. 

 The structure which housed the milk 

 cows was not large enough nor con- 

 veniently arranged. 



A shortage of hay and other rough 

 feed such as plagued Earl A. Wolf, 

 who is operating his mother's farm 

 near Coleta, Whiteside county, Illi- 

 nois, is no longer a threat, now that a 

 12x40 monolithic concrete silo has 

 been erected adjacent to the dairy 

 barn. Heretofore Wolf, who learned 

 the value of silage while working for 

 neighboring dairy farmers, had only 

 hay for roughage. Twelve acres of 

 corn are needed to fill the silo. There 

 are 15 milking cows in the herd. 



The above three instances of what 

 Illinois farmers are doing to repair 

 and improve their homes, barns and 

 other service buildings and to install 

 needed equipment and machinery are 

 typical of what is taking place over 

 the state with the help of the moderni- 



zation credit plan of the Federal Hous- 

 ing Administration. The outlook is 

 bright for continued gains in building 

 — old and new — next year. 



Ranking sixth in the list of states 

 using government-insured moderniza- 

 tion credit funds for building im- 

 provement and other construction pur- 

 poses as well as purchasing needed 

 equiprnent and machinery, more than 

 1,200 Illinois farmers have borrowed 

 in excess of $454,000 since the institu- 

 tion of the Federal Housing Adminis- 

 tration. Add a much larger outlay in 

 cash spent by farmers, and it is evident 

 that much work has been done to re- 

 store farm property to normal con- 

 dition, and efficiency. California farm- 

 ers lead the country in building activ- 

 ities, obtaining more than 8,000 gov- 

 ernment-insured loans for a total of 

 around $3,500,000. Midwestern states 

 are well up in the list; in fact, the 

 Corn Belt, according to a survey, has 

 been making rapid strides in building 

 improvements and modernization. The 

 grand total is around 37,000 loans for 

 around $13,800,000. 



Farmers desiring to obtain modern- 

 ization credit loans should apply to 

 their local bank, trust company, build- 

 ing and loan association, or other pri- 

 vate financial 'agency. The Federal 

 Housing Administration does not lend 

 money but it insures banks and other 

 lending agencies against loss up to 10 

 per cent of the modernization credit 

 extended. Loans may run as long as 

 five years. Farmers may make pay- 

 ments monthly, annually or in season 

 from the sale of crops and livestock. 

 Tenants as well as land owners may 

 borrow modernization credit funds, 

 but must have leases running at least 

 six months beyond the maturity of the 

 loan. 



Eligible for financing with govern- 

 ment-insured funds are all permanent 

 building improvements, repairs and 

 enlargements, including the installa- 

 tion of central heating plants, auto- 

 matic water systems, bath and toilet 

 facilities, silos, fencing, concrete floors 

 and tanks, stanchions, and other such 

 structural improvements. 



While individual farmers are lim- 

 ited to $2 000, commercial hatchery- 



men and retail dairymen, whose busi- 

 ness may be classed as a commercial* 

 enterprise, rather than an agricultural 

 one, may borrow up to $50,000 for 

 plant improvements and extensions 

 and for the purchase of necessary .«. 

 equipment. Farm organizations such 

 as cooperative marketing or buying as- 

 sociations, may also obtain the larger 

 sum for the same purposes, but their ■. 

 services must be available to the pub- 

 lic. However, if machinery or equip- 

 ment alone is financed, the cost must •■ 

 exceed $2,000. There is no minimum ■ 

 on building improvements. 



An interesting and significant fea- 

 ture of the improvements Illinois 

 farmers are making to their homes is 

 the fact that approximately 25 per cent 

 of the work involves the installation 

 of central heating plants, automatic 

 running water systems, bath and toilet 

 facilities, electricity and modern kitch- 

 ens indicating a very definite trend 

 toward a better standard of living. 



Notes On How To I 



Catch Fish By Bums 



(see picture page) 



"The 16 pound muskellunge, 39 

 inches long, was caught with a 7-inch 

 live sucker at High Lake, Wisconsin, 

 on Thursday, Sept. 24," writes C. C. 

 Burns, manager of the Producers 

 Creamery of Champaign. "I -ifuss^- 

 ing at Judd Blaisdell's High Lalce Re- 

 sort, Boulder Junction, Wis. The fish, 

 caught in fairly placid waters, took 

 about 35 minutes to land after taking 

 the bait. The guide is Ed Alt, a real 

 fellow. 



"The other fish in the picture is an. 

 18 pound 41 inch muskellunge caught 

 Sept. 25 without much wind on the 

 lake. I used a 7 inch live sucker which 

 is the kind I use all the time when 

 fishing for muskies on a split bamboo 

 pole with a 30 lb. Invincible^silk line. 



"In addition to these two fish, I also 

 caught an II lb. 3314 '"ch muskie on 

 Little Gibson Lake, a trail through the 

 woods east of High Lake, and an 8 lb. 

 311/2 inch muskie on Little Rice Lake. 

 Also caught about 20 pounds of pike 

 and bass in High Lake." J • 



20 



L A. A. RECORD 



