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,. A WORKMAN'S HOUSE SCHEME.

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A WORKMAN'S HOUSE SCHEME. There is pressing need at Aberystwyth for a few decent houses for workmen. From time to time attempts have been made to establish building societies and in other ways to bring about the erection of the necessary houses, but from one cause or another every attempt has failed, and the blind courts and alleys of the town are inhabited by poor people who exist under all the disadvantages of the most crowded parts of laige cities. The poor themselves cannot move. They have only sufficient to keep them from starvation, and even those who are in constant work and receiving regular wages are unable to carry out any working man's house building scheme. The speculator will not take action because the profits at best are not large, and the cost of collecting rents for cottage property is great and the losses by death, changes, and poverty are considerable. The Corporation, again, can do nothing, except decline to renew the leases of the poorest classes of houses, and this they have decided to ¡ do. There is, therefore, only one direction in which it is reasonable to look for help, namely, to those who feel that the providing of decent houses for the poor is a binding obligation upon those who are fairly well-to-do. There is no occasion to lose money in a workman's cottage building scheme, but to make it successful a good deal of work would have to be done for nothing, and money would have to be advanced on what are not considered to be strictly business principles for a year or two "until the houses were built and occupied. Another thing that is necessary is that the working men should have confidence in the promoters of the scheme. The argument against the ordinary building society as a means to enable working men to obtain possession of houses is quits simple. The pay- ment, let us suppose, into a building society is 10s. a month. This has to be paid in addition to the man's rent, say 12s. a month. If that man wishes to build a house he has to borrow money from the society and has to pay an extra 15s. a month for interest and repayment of capital. For at least twelve months all these -payments have to be made as the man's house is not built and he has both rent and interest to pay. No argument is required to show that ordinary working men cannot pay eight or nine ,-shillings a week out of their wages, even for a single year, in order to obtain a house. What we say is that working men should not be asked to pay anything until they take possession of their houses, and we further contend that a very slight addition to the sum they now pay as rent, say a shilling or -eighteen pence a week, would place them in possession of the freeholds of their houses in fourteen or fifteen years. Let us see how this can be done. Suppose a workman's house, completed in every particular, costs L120. If he pays X,9 a year he will have paid the capital and interest in less than fifteen yars, when he will own the free- hold. If forty houses could be built at one time they would not cost Z120. The sum required would be about £ 5,000. At five per cent. the interest would be Y,2,50, while the rents at Y,9 a year would be £ 360, so that it is obvious there would soon be a good margin to protect whoever advanced the money. If the rents were invested every year to bring in the same rate of interest as was paid, the occupiers of the cottages would easily and within a moderate period become the owners of their dwellings. This is not a mere fanciful scheme. It has been proved to be feasible more than once, and if freehold land could be obtained on reasonable terms, and working men were anxious to possess houses, the scheme could be carried out any time. As loag as people live in places like Fountain-court, Windmill-court, Northgate- court, Moor-lane, the back of Portland-lane, Llan- gawsa, and similar places, it is folly to preach a gospel of hopefulness to them. They cannot be hopeful in municipal filth and darkness. Moral health is due as much as anything to physical conditions. If the working men of Aberystwyth would like to possess houses of their own and have any ambition whatever to secure bet/ter houses than they now occupy, there is no insuper- able obstacle in their way. It is high time that the places already mentioned should be got rid of, bat they can never be got rid of until better houses are provided, and better houses will not be provided until working men resolve to help themselves.

ABERYSTWYTH.

LLANARTH.-

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