Papurau Newydd Cymru
Chwiliwch 15 miliwn o erthyglau papurau newydd Cymru
11 erthygl ar y dudalen hon
Adventages of a Neglected…
Adventages of a Neglected Act. By Edgar L. Chappel). J Wales Garden Cit. a lid Town Planning Ajsi-ouatioa. I In Soulh \Vaie& where the majn'it.; of In South Wa i ea where the ma j ority ?f the workers earn fairly good wages, there exists, a strong desire on the part, ct many to become the owners of thi dwellings m which they reside or in- tend to reside. Most housing reformers agree that this method ow ownership is by no means the most satisfactory, and very fev.- advocate its adoption where the eo-operative method can be satisfac- torily applied. The fact cannot be gain- sa.id, however, that many workers are willing and anxious to become their cwn landlords, and personally I am desirous that they should realise this object with the least amount of trouble and expense. AID FROM LOCAL AUTHORITIES. Only in a very few instances are work- ing men possessed of the full amount necessary to enable them to purchase a dwelling" outiight. In most cases they have to avail" themselves of the aid of some lending agency, such as a build- ing club, a Duiluing society, or a. private mortgagee. Building clubs were formerly very popular in South Wales, but, they ure now declining in popularity. Large Humbers ct men, especially in towns on the sea board, obtain advances from building societies, but in the Swar^et Valley most house purchasers raise their finance from individuals on the security of mortgages. None of these methods are so advantageous to the workers as that provided for them under the Small Dwellings Acquisition Act, and I strong- ly recommend that intending borowers should avail themselves of the exceptional facilities which the' adopted of this m-oasure. by Swansea Valley local auttic-i-t- ties brings within their reach. LOW RATE OF INTEREST I Under the Small Dwellings Acquisition Act public bodies are empowered to borrow money from the Government at a low rate of interest (the present rate for borrowing is 3i pe cent.), and. to lend this money to intending purchasers of dwellings for periods not exceeding 30 years at 3¡ or 4 per cent. In the Swim- sea Valley 3i per cent. is the late charged. The proportion of the valu, vf the house to be advanced must not ex- ceed four-fifths. As compared with the terms offered by building societies, che most popular of all lending agerciea, these terms are exceptionally advantage- ous. Building societies usually advance from two-thuds to three-fourths, and rarely does the, rate of interest fall below five per cent. The period of repayment also is very much less; the maximum period allowed by the largest building society in Wales is 16 2-3 years. I have recently established a series of com- parisons between the amounts paid in Ys- tradgynlais and Pontardawe districts for the acquisition of dwellings under the Small Dwellings Act, and the amounts. that would be required in the case of building companies. By borrowing from the Icoal Councils a financial saving varying from P,30 to £60 per house, can be effected. This is a consideration which workers cannot afford to ignore even were there no other advantages. CONDITIONS OF ADVANCES J Advances ure made subject: to certain conditions being complied with. These are rather stringent- in some respects, and many workers are either unable or un- desirous of complying with them. The principal conditions are as fouows (1) The limit of advance is four-fifths of that which, in the opinion of the local authority, is the market value. In the case of a lease of less than 99 years un- expired the maximum loan is £ 240; in the case of freehold or of a leasehold of not less than 99 years unexpired, a maxi- mum amount of JB500 may be advanced. No advance may be made on dwellings valued at more than JB400. (2) Borrowers must repay each year over an agreed number of years not ex- cee-ding thirty a fixed amount of the principal together with the interest en the balances remaining from time to time unpaid. Borrowers may also by giving one calendar month's notice not only repay the instalments agreed upon, but the whole of the principal, or by sums of £10 or multiples of JS10 repay a.ny part of the principal. When such re- payments are made the interest payable is, of course, proportionally reduced. OWNERS MUST BE OCCUPIERS. (3) The borrower must reside in the house; when he removes he must repay the loan to the Council. (4) The hcuse must be kept in good "nitary condition and repair, and must not be used for the sale of intoxicating liquors. (5) The house must be kept insured against fire, and the borrower must pro- duce the receipts for tha premiums to the Council when required. The essential conclition is that owners must be occupiers. This is a perfectly just condition, && the object of the Act is to enable individuals to become their own landlords. It would obviously be undesirable for the State to finance per- sons desiring to become the owners of property for the purpose of making pro- fits by renting dwellings to others. Let as now compare the coat of ac- quirin a house by borrowing from the ..noil with the coat of renting one. The following is a statement of the finances of a dwelljng in Ystradgynlais built en lea?<held land, the cost of erection of which was 2250. It is as- sumed that the owner will be content with interest at the comparatively low rate of five per cent. on his capital ex- penditure, nothing being allowed for amortizement, that is, the recovery of principal CASE 1.—OCCUPIER NOT OWNER. I ANNUAL FINANCIAL STATEMENT I £ s d Interest (5 per cent, on £ 250). 12 10 0 Groun d Rent 2 0 0 Rates and Taxes (say) 4 0 0 r-.epa Irs 1 10 0 Rent Collection and Supervision 0 10 0 Insurance 0 3 9 Voids a.nd Bad Debts 0 10 0 Gros Annual Rental 21 3 9 I Gro?s weekly rental, 83.3d. To obtain a mod-grate return on 1,:3- capital expenditure an owner dad". inh of the value stated would TC n e to charge at least 3?.3d. Der week. Let us row see what the tenant k,. ill require to pay por week if he rJei:0, to I purchase the house under the terra, of the Act as it is worked by the District Councils of Ystradgynlais and Pontar- dawe. It will, of course, be understood tlut ho is able to provide the initial fifth, that is 250, arW that he is prepared to waive the interest on this sum in order to enable him to purchase his house in a period of 30 years. CASE 2.—OCCUPIER BECOMES I OWNER IN 30 YEARS. i House costs £ 250. Owner-occupier I provides £50 him5elf, and borrows £ 200 from the District Council at 31 per cent. I FINANCIAL STATEMENT— I First Year £ s d Interest 7 10 0 Repayment 6 13 4 Ground Uent. 2 0 0 Hatilis anu Taxes (S< y) 4 0 0 Repairs 1 10 0 Insurance 0 3 9 Annual Payments. 21 17 1 Amount payable weekly, 8s.6d. ADVANTAGES OF PURCHASE. I The maximum amount which a person will nctc-d to pay to purchase his own dwelling under the terms of the Act is 8s.6d. per week, or only threepence more than he would be required to pay in rent to a landlord. Moreover each year after the first his annual rental will be- come less by five shillings per annum, and a.fter the third year it will be chea.per to buy the house than to rent it. In thel follow.ing statements the calcu- lations are given for shorter borrowing periods, and intending purchasers will be .:ble to see at a glance what amounts they will require to pay during the first year to enable them to become their own landlords in 25, 20. 15, and 10 years is- spectively. In each case, of course, it is assumed that the purchaser is able to find the initial £ 50, and that he is pre- pared to invest this amount in the dwell- ing without receiving a cash dividend thereon. CASE 3.—REPAYMENT OF LOAN I IN 25 YEARS. FINANCIAL STATEMENT— I First Year. £ s d Interest 7 10 0 Repayment 8 0 0 Other charges (as in Case 2) 7 13 9 £ 23 3 9 Amount payable weeky, 93. Amount reduc-ed bv 6s. per annum each year after the first. CASE 4.—REPAYMENT OF LOAN IN 20 YEARS. FIRST YEAR'S STATEMENT. £ s d Interest 710 0 Repayment 100 0 Other Charges 7 13 9 JE25 3 9 Amount payable weekly, 10s. Amount reduced 7s.6d. per annum eich yfir after the first. CASE 5.—REPAYMENT OF LOAN IN 15 YEARS. FINANCIAL STATEMENT. First Year. £ s d Interest 710 0 Hepaympot 13 6 8 Other Charges 7 13 9 L28 10 5 Amount payable weekly, lis. Payment reduced 10s. per annum each year after the firs-t. j CASE 6.—REPAYMENT OF LOAN IN 10 YEARS. FINANCIAL STATEMENT. First Year. Interest 7 10 0 Repayment 20 0 0 Other Charges 7 13 9 £ 35 3 9 Amount payable weekly, 13s.6d. Amount reduced by 15s. per annum each year after the first. ADVANTAGEOUS TERMS. I From the above statements it will be seen that working men may, if they de- sire, acquire their residences on very ad. vantageous terms, and the Y-strdgyn- liis and Pontardawe District Councils are anxious that the exceptional facilities offered by them should be more widely utilized. The great difficulty in the way of the more widespread use of tho Act consists in the fact that only a com- paratively small proportion of workers are able to provide the necessary initial fifth. This difficulty could well be over- coma if local citizens cf financial stand- ing act as securities to the books for a part of the amounts necessary to enable respectable workmen to avail themselves of the terms offered by the local Coun- cils. An arrangement of this character was reoantlv madfe in the Panteg Urban. District with excellent results. In a further article I will suggest methods by which the Act can be worked much more extensively than is now possible.
-Neath and Brecon Railway
Neath and Brecon Railway INCREASE IN LAST YEAR'S RECEIPTS I The annual mooting of the Neath and Brecon Railway Company was held at the Charing Cross Hotel, London, on Monday. Mr John G. Griffiths, the chairman, presided, and among the other directors present were Mr Walter H. Harris, Sir Griffith Thomas, Mr Thos. S. Soden, and Mr Arthur Beckwith (Crickhowell). The Chairman, in moving the adoption of the report and accounts, said the gross receipts amounted to JB93,555, which compared with last year's £86,568, showed all increase of rather less than 97,000, but it would be recollected that in the earlier part of 1912 there was the disastrous coal strike. The mild weather both here a.nd on the Continent, had diminished the de- ¡ mand ior anthracite coal, and there had I been, labour disputes in their districta which had made some difference to them. Their passenger traffic was 1,163,960, showing an increase of 112,198, and the total tonnage was 1,560,675 tons, show- ing an increase of 127,740. FUTURE OF ANTHRACITE COAL 1 TRADE. Speaking ag to the future he could say I tha.t the anthracite traders anticipated a large increase in the demand for their coal, and he hoped their anticipations would prove correct. Mr T. S. Soden seconded the adoption j of the report, which was carried unani- [ mously. Dividends were declared on the var ious Debenture stocks of 4 per cent., an i on Preference stocks of 3'r per cent., the balance loft being C243.
I YSTALYFERA ROUTEDi
I YSTALYFERA ROUTEDi Swansea's Runaway Victory A ONE SIDED GAME. I A large and interested crowd assembled I on the Ynisydarren Ground, Ystalyfera. ( on Saturday afternoon, when the local team entertained Swansea Town Reseives, and a highly attractive game was the result. The te-vms fielded as follows :— YSTALYFERA.—Goal, W. Miller; backs, Studdart and Chidzy; half-backs, Newlands, H. Williams and Goss; for- wards, Taylor, Rees, Atwell, Wood and Shanley. SWANSEA.—Goal, Fisher; backs, Park and Clevcrley; half-backs, Duffy, Hamilton and Jepp; forwards, Tucker, Hall, Weir, Mitchel and Swarbrick. From the foregoing teams, the reader will have no difficulty in forming a fairly correct estimate of the general progress of the game. The match was, of course, a first division league engagement, and the result showed how unwise it is for teams so decidedly ill-matched to be pitted against each other in Leage en- counters. As a matter of fact one glance at the Swansea Eleven is sufficient to in- dicate that i'stalvfera were hopelessly outclassed. The visiting team included several cf the best players of the First Eleven,—witness Ball, Hamilton, Duffy, etc., and it cannot be wondered at that they eventually came out victors by a very substantial margin. On the oc- casion of Swansea's last visit they claimed victory to the extent of nine goals to one, but the score on Saturday was even greater in their favour, reaching 10 goals I to nil. It can hardly be admitted, how- ever, that, this is a. fair estimate of the superiority of the victors. As a matter of fact they ought not to have had the credit of more than five goals, and cer- tainly would not have registered 10 goals had Miller, the home custodian, been more alert. On at least four occasions, Swansea registered goals which, had a. more capable man been guarding the net, would without doubt have been saved. As for the general styie of play it cannot be denied that the visitors were far and away superior to the home eleven. Thear perfect understanding 01 each other and their smart tactical manoeuvres consant- lv baffled the home pack, but we must. reserve a word of praise for the Ystaly- fera defence which upon the whole was fairlv sound and which would have been more effective had. the custodian risen to the occasion. And now for the game itself. Swansea kicked off down hill, and thus had the advantage of the slope during the firat half, a fact which probably will in some measure account for their runaway vic- tory. The first incident of the match was an unsuccessful attempt to score on the part of the visitors. They had been given a free kick for hands, and from this the ball was taken to within com- paratively easy range of the net, but the kick went wide. Two minutes later Miller made one of his few really credit- able "saves" of the match, clearing the leather in a perilous position. Ystalyfera were kept entirely on the defence for the first quarter of an hour, but for the most- part they rose to the occasion, and their stratagems were effective. Then Swar- brick got the ball in a favourable position iid "netted" without the slightest op- position from the home custodian, who appeared to think that leather would go over the cross-bar. Following their suc- cess, Swansea continued to press with 'keenness, and three times in quick suc- cession were within an ace of scoring, but a. corner followed and the homesters found temporary relief. Mitchell, reo. ceiving from a centre from Duffy, headed in a delightful goal which it was im- possible to intercept, and not more than a few seconds later a smart dribble down the field ended in Ball scoring with a terrific kick. When Tucker found the net in less than four minutes afterwards, the enthusiasm of the home supporters r-cmmenced to fall considerably Then Y sta lyf era took play to the region of the visitors' goal, but two or three attacks wera easily repulsed, and proceedings were quickly transferred to the lower end of the field. A moment later another goal for Swansea appeared almost certain, but the homo goalie rose to the occasion. Duffy, kicking from a difficult position, put in an excellent shot, but the leather struck the cross-bar. and this effort was immediately followed by one on the part of Swarbrick with a similar result. Ball, who was playing a consistently fine game, added to his reputation by a clever screw kick which found the net beauti- fully, a.nd thus half time arrived with the score as follows SWANSEA 5 Goals. YSTALYFERA Nil. Upon the restart, the home side assumed the benefit of the slope, a.nd it. was confi- dently hoped that from this their fortunes would be somewhat retrieved, but as events proved, this was not to be. Chidzy, who had been temporarily in- I jured towards the close of the first half, returned to the field and received a hearty ovation. Play had hardly begun when Mitchell registered a tame goal, the home custodian, making a deplorably weak effort to save. Swansea continued to press, and again Mitchell scored a goal which might have been intercepted had Miller been alert. The following play was for some time really a succession of attacks on the home goal. and these were rendered the more keen by a sturdy defence. Ystalyfera were certainly now showing an improvement in their plav, but they still proved amenable to the clever dodges of the visitors, and by this means Swansea were able to main- tain the reins of play. Unfortunately the home s;de were further handicapped by a.n accident to Attwell, who was rather badly hurt from an unavoidable kick. and whose play consequentl y suffer d. A delightful sprint up the field ended in Txick,r getting the hall at his tees, and landing* an ight,h goal, Miller again failing at the critical moment. Ys- talyfera now pressed again, but it was for a moment only, and, the effort merely resulted in another dnsh up the field. the visitors completely baffling the homesters and Weir netting comfortably. Hamilton put in a splendid kick from mid-field, but the leather struck the cross-bar. Again Swansea. appeared to be dangerous, 'but Ystalyfera saved, although a few seconds later, and just before the final whistle sounded. Ball netted his second goal of the match. The game thus ended RW A NSF.4 10 Goals. YSTALYFERA Nil. I
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COUNTY COURT ILLUMINED BY…
COUNTY COURT ILLUMINED BY HUMOROUS TAILOR. Amusing evidence was given at Wal- tham Abbey County Court in an action brought by Phillip Kronman, tailor, of Enfield Wash, against William Graham postmaster at Enfield Wash, and his wife for £ 2 18s., balance of account for goods supplied. The plaintiff said that up to the date of King Edward's death defendant owed him a bill but settled it at the death of the king. After that he ran up another account. The Judge: When did King Edward die ?- Y ou ought to know that. (Laugh- ter.) The defendant fell very ill; in fact, one piade sure he was going, you know where. (Laughter.) The Judge: I'm afraid I don't. (Laughter.) Mr. Windsor (for the defendant): Follow King Edward, I suppose. The Plaintiff: Unfortunately the de- fendant became convalescent. The Judge: Unfortunately!—The Plaintiff: No, I mean fortunately; I am only too pleased to think he's still living and hope he'll pay my account. (Laughter.) The plaintiff was non-suited, but was told that he could renew his claim.
J I . I 1 I WANTS A SE.NGHENYDD…
J I I 1 I WANTS A SE.NGHENYDD WIDOW I I A collier, who describes himself as a. good Christian worker, sober, and fond of chapel, has written to a Senghenydd gentleman asking" his aid in finding a widow at Senghanydd who will marry him. "I am awfully tired of lodgings," the colHer writes, "and would be very glad to secure a good partner in life. "I do not care abount young ladies from 20 to 25, single--they can't do any- thing. "I hope you can recommend me a tidy widow, a good woman, one that would be a good wife to me, from 26 to 40 years of age, say with a child or two, or with- out any. ou? You can get my c haracter from my manager and my minister." He enclosed a photograph.
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! * WELSH PEOPLE AND FALSEI…
WELSH PEOPLE AND FALSE I GENTILITY Lord Howard de Walden, speaking I as the guest of the evening at the an- nual dinner of the Cymrodorion So- ciety, said they did not now hear the utilitarian argument against the Welsh language, that it would be of no use to anyone. They had passed the per- iod when a false sense of gentility caused the Welsh people to eschew I their own language because it was not fashionable. He predicted a stormy ) career for those interested in the re- vival of the Welsh national drama, but he no doubt it would be revived.
[No title]
Miss C. Ada Edwards, author of the Welsh drama "Serch Hudol," which will be performed at the National Eisteddfod has bven married to Rev. John Moetyn (Ind.), Abersoch.
[No title]
Mr Pa:iCk- MacGill, the "navvy poet" has writtan a novel, and it will be pub- lished by Herbert Jenkins. When you think of it, the navvy is the man who "blazes the trail," the "ioneer of civilisa- tion. In "Children of the Dead End" Mr McGill has much to tell about him, and, further, the book has the virtue of being largely autobiographical. t )
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W. A. WILLIAMS, Phrenologist, raIl he consulted dailv at the Victoria Arcade (near the Market"). Swan^fsa "oob iue I $Ca& tQe ^eart of I iSuf -rou must cctlT at 1Je q)rbe ine gfyoppe C) 10 Swansea Wo prove it :??????? ,? y  ?- ??.. '?,:?'  &??? ?''?'??? #2* V'? m  ? ??ss? ?. ?? ? .??? If x\ ?'???'?L) {?S????-? ? ?. -?-  -"?   ? -.???-\ ??? -?-??? ?? ? 5.'??&?—  r  ;?..      ,vr ?..?.?.,?: .?<e?<??U?i??c-;BtMBMaMMMt   THE OLD WIVES AT TEA. Mrs. JONE,'4: IDdeed you + excuse me for be i no, so Mrs. JONE?: Ipdeed you must excuse me for being so long with the tea. The fire had gone low, you see, and I couldn't get the kettle to boil. Mrs. EVANS Why don't you get the gas in, Mrs. Jones; it would save you heaps of work, and be a big comfort too, with your weak eyes. Mrs. JONES: Merch fach i, I have lived to go without it, and bring up a family of tea, and I am too old now to bother about things like that. Mrs. EVANS: Yes, my dear, but you don't know how much easier it is to do your cooking, without making a mess of the fireplace. Mrs. THOMAS: And so clean it is. Before the Tawe Gas Co. put in a stove for us, I had to clean my fireirons and fende: every day, and blacklead the fireplace twice a week. Now I have only to wipe them over. It is so much nicer. Mrs EVAN"- And it is so cheap. We can cook a dinner for seven, and it only costs a penny. Mrs THOMAS: They put in a penny-in-the-slot meter for us, a stove and three lights, for nothing. The gas is much better than the messy old lamps and candles. Mrs. JONES Will they put it in for nothing ? Mrs. EVANS Yes, merch i; just send a post-card to the Gtis Works, Pontardawe, or to the Office at Ystalyfera, and they will send a man up at once, and the store and lights will be fixed up in no time. Mrs. JONES Then indeed I think I will do it as soon as we have finished tea. Because I do believe my eyes would be better if we had gas instead of the old-fashion lamps .+. For particulars, drop a Post Card to the MANAGER, GAS WORKS, PONTAKQAWE* AUCKLAND'S Ltd. The Largest Boot & Shoe Merchants in Wales.  /?'  ? Stocked io I?x 86 Calf a?d Chrome ?? t t ? Leather. Sma? C?tU' and Toe 9tock- The Best Value in Wales y ed, Guaranteed WaÜ,p"¡ Send r for a pair nw. Mention w htCn leather. shape  size. On recdpt of p o.o. for 8/6, Aiickland's Ltd., we will send by &=IW return Of POA carriage paid. HIGH STREET, SWANSE A ST. HELEN'S RD., SWA f%4r SEA