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Ry'C..E. Dayer (AVorth .Shore Réaltor) ,rket Today the loan departmrent of most, anv bank answers ."no" toe eus tora om e construction ban iade bv an ovner. With alit1' 1 in tl liankeris illing te give, advice: t, h applicant andI the stum of thiat advice is "wait-you .eau ýprobablv do better; things. may go lower." ThIe apphicant contracts: a chili, e~hneand gets under the covers,*. Everv. realtor 'can recoutit fine buys kilfed. by Such negative advice not' Olv i ron- baukers but f roni friends. wis~e and otherwise. Rece1itlY, a 'Prospective homne build- er hat cash and, securities enough to hny his lot and build but -judged that lie would be bette r off if iinstea4 of seings secturities lie got .a mort- gage Ior part of the cosi of the liouie. His own banker said. -No- ,wait-things may go loiver' He tried fîv baukers and got aluiost. the identical ausver from each. That ovner went ahead ivithout auî -b-lan. He gave employmnent Ito an architect who had long been huulg- ry\; to a builder, to nxany mechauics ou1 the job and to those who fabricat- ed niateriais iu plants. He set bis $15.000 spinning into circulation mny t lIiie, Normnan English in architecture, tdle home of Mr. and M.\rs. Harry Snyder is rising ini Indian Hill i Eý'states 'on the half.-acre wvooded i lawn at the northeast. corner of Ro- niona and Blackhawk roads. The walls Nvill be laniiin stone over fraine and the roof wvill be slate with bleud- cd shadiug range in color selected. Thie layout. is particularly well llaflned for pleasant living. The eiglit roonis are spacious. The livinLgro ________________ I fh or destcolof"il oth e nrhesdt corneYfrstof Kei has beefi selected as the site -of an " ideal average Americant home" to P.be. erected by the North Shore Real ý. state board for exhibitindrn Century of Progress exposition. Te home Will be built in accord- ance -with plans submitted by, the: winner. of. an "'ideal average Amier- ican home" architectural contest .0 which the realty board is conducting. Qule thousa,îd dollars, in prize >monev will -go to, the winner of this'cÔntest, ithsbeen announced. > Ther'e are to be several other prizes also-$150 for second prize, $75 ior third, $10 foreach, of- the inext rive~ best designs, and honorable mention the one side and to the kitchen ont the for a ntnnber of others. other, The group which will decide uiposn Heating will be by the vapor vacu- the winner of the "ideal average um method with each room separate-. American home" architectural 'con- ly controlled by thermostat. Ex! test will be conlposed of Earl h. terior walls and attic floor will be Reed, Jr., Harry H. Bentley and doubly insulated. The first Rloor is Ralph Milnian o-f the American ln- of reinforced concrete overlaid with stitute of Architects ; V. H. Gather- sound insulated wood floor. coal, Wilmette builder; Dorothy The house will contain approxi-, Wink, of Hizhltand !-i mIarket. lie otÎentey rater e view 15 tflrouigh -the woocIsraloufg uring tir, progresofcstuto... values than lie couild. in any .otîier way the curves ' of Blackhavk, road. t saboutoethir oefO-n and liegot what he wanted. Couragei Upstairs are three family chaini- totl wt Mr. Lee about .any 1,01( cash got the'rreadblers, each with its bath and. dressing feature in which they miay becntr *It is the bauker's oNvn business toiroom and a lounge and lîbrary 22 feet ested. banornottoban Bt in' li jstsquare ini plan and a story and a hialf Ernest Braucher, 2 .L Salle an oikelv to b ii o r l uhistl s high with an artistic fireplace on the street, Chicago, is 'the architect, and attitude today as hie was iu his "high," est.C.EDryvc-peieto is rutegaoru as Servants' quarters, with bath, are Realty lue., was broker in the sale' If asked for advice on tlhe purcliase ajcn otetwretac no h ie of an alt-cady.built home wouldn't his - --I rebuilcllng, and . enlarging a1 garage which was recently bY fire., The cost cf the, estimiated at $i,000. ais scnairp'a of thle competition cOmniittee- Others on this commit- tee are Mr. Gatheircoal. Mrs. Wink, Howard H. Brown of Wilmette, Hlar- old Vant of Deerfield, Clarence E. Drayer of Wilrnette, and Lester 'W. Coonis of Glenview. Wilmette fias Silim et'v'lcn 'sOniy $3,500~ belowthe The other was taken out by Arthur three-car increase in sales demand for large Dceber (1932) figure, and is an in- Jones for repairs to bis residence at damaged homes. A nine-room brick colonial in crease Of $825 Over th.e Novemberj 1035 Forest avenue, following recent work is Evanston and a ten-room colonial in (1932) total. *J fire damage. The estimated cost isý Wilmette, details. of which, have'not One of the JanuayprisWaS I$1 ,o.*---- 46 for Ideal