The White Falcon - 30.07.1965, Blaðsíða 2

2
WHITE FALCON
Friday, July 30, 1965
Ifcur Personal Afflaiu
Shopping To Finance A
See FHA About Loan Insurance
When a member of the armed forces starts shopping for a home, he soon discovers
there are numerous methods of obtaining financing. These include: Federal Housing
Administration (FHA) In-Service loans, Veterans Administration (VA) loans and
conventional financing.
FHA In-Service loans are based on Congressional legislation passed expressly to
help seiwicemen buy homes. Maximum loan value is $20,000. Interest rate on the mort-
gage is limited to 5(4 per cent.*^
idonthly mortgage insurance pre-
mium charges of (4 to 1 per
cent are paid by the Department
of Defense for the service mem-
ber.
The FHA does not lend the
servicemen money. The capital is
made available through various
lending instutions cooperating in
the FHA program. FHA’s part in
the transaction is to insure
againBt loss on the loan.
One-Family Dwelling
FHA regulations require that
the mortgage be issued to pay
for construction of a new home
or purchase of an existing home.
It cannot be used to refinance a
home already owned or occupied
by the serviceman. The mortgage
must also cover a one-family
dwelling and the serviceman or
his family must live in the house
or certify that failure to do so
is a result of military orders.
The amount of the mortgage
is based on FHA’s valuation of
the property to be purchased. A
minimum down payment will be
required, which may consist of
an amount representing 3 per
cent of the first $15,000 of FHA
valuation, plus 10 per cent of the
next $5,000, plus 25 per cent of
the valuation above $20,000— or
it may be 5 per cent of the total
FHA appraisal value—whichever
is more favorable.
Able To Make Payments
Although the mortgage is limi-
ted to $20,000, the serviceman may
buy a home costing more, if he
is able to make a down payment
large enough to cover the diffe-
rence. Also, under the FHA plan,
any difference between the
amount of the mortgage and the
sale price of the property must
be paid by the serviceman. No
form of secondary financing is
permissible.
A serviceman wishing to take
advantage of the FHA-insured
mortgage plan must first obtain
a certificate of eligibility from
his commanding officer. This
certificate is available to any in-
dividual who requires housing, is
serving on active duty and who
has served on active duty for
more than two years.
Ready To Apply
When the certificate is obtained
and the serviceman has decided
on the house he wants, he is
ready to apply for the loan at
any lending institution (bank,
savings and loan association,
mortgage company, etc.) that
makes FHA-insured loans in the
area of the property being pur-
chased. If the institution is willing
to lend the money, it draws up
the mortgage and takes over all
further arrangements.
Your Toothbrush —
How To Use It
(Editor’s note: The toothbrush in one form or another, has been
in use for thousands of years. Although one of the most effective
weapons man has against dental decay, it' is seldom used effectively.
With dental disease on the rise, the White Falcon in cooperation
with the Dental Department presents “Your Toothbrush—How
to Use It")
Fifteen minutes is a short and usually unimportant
period of time. But there is one 15-minute period which
is critical to one’s dental health.
That’s the 15 minutes right
after one eats, for that’s the time
when tooth decay begins.
Dental scientists tell us that
decay is caused by bacteria in our
mouths, acting on the food we
eat—carbohydrates, especially re-
fined sugar.
Remove Particles
Toothbrushing is the best way
to remove particles of food and
some of the bacteria before they
can do their harm. Brushing
should be done right after meals
and right after snacks, too.
Most people don’t brush their
teeth often enough, or well enough.
A survey made a few years ago
of 1,000 American families found:
Only 15 per cent brushed their
teeth three times a day; about
50 per cent brushed their teeth
twice a day; two-thirds of the
toothbrushes in use had bent or
broken matted bristles which had
long outlived their usefulness.
Dentist Determines
How should one brush? Your
dentist can determine the best
method for your particular oral
conditions. The following method
is one that is frequently recom-
mended :
Teeth should be brushed the way
they grow; place your brush
bristles on the gums, near the
gum line; brush down on the
upper teeth and up on the lower
ones.
Force bristles into spaces be-
tween the teeth while brushing
inner and outer surfaces; use a
scrubbing motion to brush the
chewing surfaces and brush each
area with at least ten strokes.
Rinse Mouth
If you can’t brush after eating,
rinse your mouth vigorously with
water.
When buying a toothbrush, se-
lect one with a flat brushing sur-
face. It should have firm, resilient
bristles and a head small enough
to allow you to reach all surfaces
of the teeth. Two toothbrushes
are a good investment. Use them
alternately to give them time to
dry completely.
Clean Teeth
Proper toothbrushing after
meals will clean your teeth. It
helps keep your gums healthy,
too. It removes decaying food,
one of the causes of bad breath.
Remember, the toothbrush is
your best weapon against dental
decay. Use it well and often.
Chaplain A
Corner
Lt Robert G. Brown, CHC, USN
Have you gotten angry at something (or someone) and reacted
by kicking the nearest inanimate object. Chances are, your foot
suffered more damage than the object. Our uncontrolled anger and
animosity can hurt us in more ways than one.
Dale Carnegie tells of a trip he made to Yellowstone Park. While
in the Park he visited the place where the grizzly bears were fed.
The guide explained the grizzly can whip any animal in the west
with the possible exeption of the buffalo and the Kodiak bear.
As Mr. Carnegie watched a grizzly eat, he noticed that the bear
would allow none of the other animals to share his food except
one — a skunk. Now the grizzly could have crushed the pesky
skunk with one sweep of its paw but he didn’t. Why? Because he
recognized the high cost of getting even.
When we are temped to let someone get under our skin maybe
we should take a lesson from the grizzly bear.
Doctor S. I. McMillen, college physician at Houghton College,
Houghton, N. Y. states, “The verbal expression of animosity toward
others calls forth certain hormones from the pituitary, adrenal,
thyroid, and other glands, an excess of which can cause disease
in any part of the body. Many diseases can develop when we fatten
our grudges by rehearsing them in the presence of others.
The moment I start hating a man I become his slave. I can’t
enjoy my work any more because he even controls my thoughts.
My resentments produce too many stress hormones in my body
and I become fatigued after only a few hours of work . . . The man
I hate hounds me wherever I go. I can’t escape his tyrannical
grasp on my mind.”
Too many families have been destroyed by angry words. I’ve seen
offices distrupted because one man could not get along with his
fellow worker. Life is too short to be spoiled by petty animosities.
But you can’t help the way you feel, you say. You are right.
But do you want to have kindly feelings instead of animosity?
That is the crucial question. If you do, ask Christ to help you.
He will, you know.
Ubiuine
erutced
Protestant
SUNDAY: Morning Worship Service...........................Main Chapel 11:00
Morning Worship Service.................................Polar Club 12:00
Adult Bible Class......................................High School 9:30
Evening Vesper Service.................................Main Chapel 7:00 p.m
Fellowship Hour.......................................Chapel Annex 8:00 p.m.
Sunday School..........................................High School 9:30
Episcopal Lay Service..................................Main Chapel 9:00
Lutheran Service (except 1st Sunday)...................Main Chapel 9:30
Latter Day Saints Lay Service.........................Chapel Annex 10:30
Christian Science Lay Service.........................Chapel Annex 12:00
Church of Christ Lay Service..........................Chapel Annex 3:00 p.m.
Holy Communion Service (1st Sundays)...................Main Chapel 11:00
MONDAY: Adult Bible Study Group........................Chaplain’s Office 7:00
TUESDAY: Prayer Meeting.....................................Main Chapel 7:30
THURSDAY: Chapel Choir Rehearsal............................Main Chapel 7:00 p.m
FRIDAY: Baptist Lay Service................................Chapel Annex 7:00 p.m.
FRIDAY: Cherub Choir........................................Main Chapel 3:15 p.m.
Youth Choir............................................Main Chapel 4:15 p.m.
SATURDAY: Assembly of God Lay Service.......................Main Chapel 7:30 p.m
Chaplain A. R. Saeger, Jr., Cdr, USN
Chaplain R. E. Blade, LCdr, USN Chaplain R. G. Brown, Lt, USN
Catholic
SUNDAY MASSES:............................................ Main Chapel 8 a.m.
Polar Club 11 a.m.
Main Chapel 12:15 p.m.
Ladles Sodality Communion (1st Sundays)................Main Chapel 12:15
Holy Name Society Communion (2nd Sundays).............Main Chapel 12:15
DAILY MASSES
Monday through Friday.....................Blessed Sacrament Chapel 4:45
Saturday..................................Blessed Sacrament Chapel 11:45
First Friday of the Month..........Blessed Sacrament Chapel 11:45 and 4:45
CONFESSIONS:
Saturday..............................Blessed Sacrament Chapel 4:00—6:00 p.m
CHOIR REHEARSAL
Saturday..............................................Main Chapel 10:00
Chaplain T. F. Lehr, Lt. USNR Chaplain N. A. Rlcard, LCdr, USN
Appointments can be made for Baptisms, Weddings by calling the chaplain’s office at 4111

IMLMC Installs New Officers
NEW NLMC OFFICERS — Six members of the Northern Lights Masonic Club, Keflavik, Iceland were
installed as officers at the Semi-Annual Installation held at the CPO Club, July 13. The officers (from
left to right) are Maj. Walter E. Kiracofe, USMC, Second Vice President; Mr. Paul E. Wesely, First
Vice President; Mr. Jon Gudmundsson, President; Carl A. Barlett, SH2, Treasurer; and Mr. Eirikur
Eyfjord, Chaplain. Not included in the picture was the club’s new secretary, Lt. Col. David A. Hedges.
THE WHITE FALCON
UNITED STATES NAVAL STATION KEFLAVIK
WHITE FALCON mission—To inform and entertain all hands:
to serve as a positive factor in promoting the efficiency, welfare and
contentment of personnel.
Captain Emile E. Pierre, Jr., USN
Commanding Officer, Naval Station Keflavik
Commander Richard C. James, USN
Executive Officer, Naval Station Keflavik
Lieutenant Commander Alice V. Bradford, USN
Service Information Officer
STAFF
G.A. Simpson, J03, Editor
T.D. Streeter, J03, Asst. Editor
J.P. Schmieg, JOSN. Reporter
W. Keener, A1C, AFI News Editor
The WHITE FALCON Is published weekly on Saturdays in accordance with NAVEXOS
P-35, revised June 1958, for free distribution to personnel of Naval Station Keflavik,
Keflavik International Airport, Iceland. It is printed commercially by the Isafoldarprent-
smldja h.f., Reykjavik, Iceland, from non-approprlated funds.
Opinions and statements made In articles published here are those of the authors and
are not to be construed as official views of the U.S. Government. Department of Defense
or the Navy Department.