The Beauty of Red Cedarwith Built-in Fire Resistance.

Ifyou need to purchase treated c.edar shakes and shingles. we understand tfyou're confused. There are more productsbn the market now than ever before, all with one Label or another. However, to be certain of quality and an in-plant tesilng program that ls second to nonepurchase with confldencc from J.H. Baxter and our distrtbutors.

Our class C and class B roofing systems ar€ treated with NCX@ chemicals and carryan Underwrlters laboratories, Inc. label (U.S.). UL is the premler agency for product testing and standards development. Their label is your guarantee of product performance.

This is the label to ask forlook for ttDEMAND IT.

We have made NCX@ treated shakes and shlngles avallable at the touch of your phone through the following distribuiors in your area:

& Energy-saving products are hot stuff. Home security is locking up profits. Home remodeling is hammering away at new sales records. And the Entergy Entry System by Ceco is the one product that helps you grow with all three of these market trends. Here's how: n Systems for new construction and replacement retrofit n R 12.86 insulation rating

! 24-gauge steel security n Steel frame for replacement retrof it enhances security-f its into rabbet of existing door frame n Magnetic or compression weatherstrio

! Threshold options: stationary, adjustable, aluminum, oak, thermal-break n Fixed or adjustable door bottom seal i"a Double door widths 6' 5'8" 5'4' 5' X X XX 3',6', X X x X al X XX z',10', X X X X z',g', X X X X z',6', N @ (o (o (o

Choose from two displaysDeluxe Full-Size and Counter-Top *' [#f r# :r;i; leiel

More door sizes than most other suppliers-so you reach more of the market

,.* {*' West S. Central F D. Anderson 27'17 Cordova Circle Denton, TX76201 (817) 566-3792

Southeast & Midsouth J. C. Watson 150 Corinth Court Roswell, GA 30075 (4041993-2342 tr The Ceco Corporation 1400 Kensington Road. Oak Brook, lllinois 60521 3't2t789-1400

Publsher David Cutler

Editor Juanita Lowet

Contribudng Editors

DwiSht Curran Gage McKinney

Lori Watkins

Arl Director Martha Emery

Strff Ard$ Lillian Kelly

Cjirculerbn Kelly Kendaorski

Building Products Digest is published monthly at 45m Campus Dr., Suite 480, Newport Beach, Ca.9266O, phone (714) 549-8393 by Cutler Publishing, Inc. Advertising rates upon request.

ADVERTISING OITICES

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SI.JBSCruPTIONS

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BI.IILDING PRODUCTS DIGESIT is an independently-owned publbotion for the rctail, wholesale ond distibution leveb of the lumber ond building supply morkets in I3 buthen gates,.

Mortgage Retirement Accounts

Cf 6g111ERN dealers have long had a -positive reputation for innovation and the willingness to try something new. Their recent efforts on behalf of the proposed mortgage retirement account shows this spirit is alive and well. Their readiness to seek congressional approval for the program designed to move billions of dollars of new capital into the home mortgage market is commendable.

The concept as conceived by Senator John Tower of Texas would allow savers to "buy down" existing home mortgages with tax deferred dollars. This would let homeowners pay off their mortgage faster, and provide extra money forconsumer spending. It would also free up large amounts of capital for new mortgages.

According to its backers, for example, if a homeowner had a $50,000, 3O-year mortgage at l59o the monthly payment would be $632.23. At the end of 30 years the total payout would be $227,602.80. An MRA would allow Joe Homeowner to pay up to $2000 per year against the principal. Thus, in ten years and three months, he could pay off the loan and save $ 149,838.51 in interest to boot. A similar example, using $1000 in additional tax deferred payments against the principal would result in rhe mortgage being retired in | 3 years and I I months with an interest savings of $ I 22,020.39.

A major benefit of the proposed MRA program is that it is an expansion of the existing Individual Retirement Account system and could thus tie in with an on-going program. As visualized by proponents, the cost to the U.S. Treasury would be virtually nothing because of the rie in feature. Advocates seejobs being created and tax revenues increased as mortgages are paid offearly. They feel these dollars then would be available to correct the long term funding problems currently bedeviling the housing and building material supply industries. An earlier end to mortgage payments would also aid citizens at retirement time, an especially appealing feature given the current problems of the Social Security System.

The MRA is an attractive idea that merits considerable study.