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About The Sunday Oregonian. (Portland, Ore.) 1881-current | View Entire Issue (May 17, 1914)
10 TIIE SUNDAY OltEGOXIAX. PORTtAND, 17, 191. .- T I TO REACH $700,000 Buildings Under Way or Pro I posed for East Side Are I Many and Substantial. BLAKE-M'FALL PLANTS BIG iDesigns for Xw Home Kntail Ex ; pcnse ot $90,000, "While Alder- Street Syndicate Structure May i Run Close to $100,000 . ; Buildings in Central East Portland nd Albina aggregating more than $700,000 in cost, are prospective and Under way at the present time.' The principal structures are: Blake McFall Company, building, $90,000. plans now being drawn; Pacific Iron Works, factory buildings, Sullivan's Gulch, $50,000; Doernbecber Furniture factory, Sullivan's Guloh, $50,000. grad ing having been started last week; E. Rasmussen, apartment-house, East Twenty-third street, $25,000; Frank IJiernan. Oregon street, garage, $20,000 Hibernian Hall, Russell street, $12,000 North. Bank Railway, freight-house. $6000; Robert O'Neill. East Broadway, $15,000; Catholic school. Rose City Park, $30,000; Christian Science Church .Holladay avenue, $30,000; Log Cabin Bakery, buildings, $25,000: Gieblsh & Joplin. concrete building, Sandy boule vard, $15,000; Hope Church, Montavllla, $10,000; Daniel Kern, home, Holladay Addition. $30,000; M. J. Delahunt, apartment, $15,000; Methodist Church Rose City Park, $10,000; Laurelhurst Club, clubhouse, $15,000; city, comfort station, Laurelhurst Park, $4000; Town send Creamery Company, building, $18,000; syndicate building-. East Alder street ana urana avenue, prospective, $100,000. East Bornslde Street Extension ,' Surveys have been made for the opening of East Burnside street from Forty-fourth to East Fifty-fifth street. Recording to report of the City En gineer. There is much dormant prop erty in the district between East Stark nd East Glisan, East Forty-fourth and Wast Fifty-fifth streets mainly for the reason that. East Burnside is not opened. The extension when made will "be largely through vacant property ex cfept in one or two places. At North Jjtount Tabor, East Burnside street will cpnnect with the Base Line road. . Latter Day Saint to Build Chnreh. The church of the Latter Day Saints has secured a quarter block at the in tersection of East Twenty-fifth and East Madison streets, where it will erect & modern church building. M. J. Bal lard, the pastor, announced this week that plans are now being prepared for this structure. He said that the exact cost had not been figured, but that it would range from $15,000 to $18,000. Construction will be started this Sum mer. The church recently-sold its prop erty at the corner of East Tenth and I'lawt Sherman streets to tlie Trinity Methodist Church for $5300. receiving In part payment the Trinity Church property in Ladd's Addition. Iks Cabin Bakery Erecting; Plant. The Lost Cabin Bakery on Vancouver avenue and Fremont street has com pleted a two-story brick building fac ing Ivy street, which will be the stable lor the company's delivery teams. The foundation for anott er brick building Jias been laid alongside this brick stable covering about a quarter block. Im provements costing in the neighborhood of $25,000 fi.re to be made. District Is Active. Mediation's Addition and Windsor's Heights, between East Forty-second and East Fiftieth streets, south of Di vision street, make up a growing dis trict. More than 50 new homes cost ing on an average of from $2500 to $"500 are being completed there, and ocf foundations of about 15 new cot tapes have been built. These homes represent Improvements costing above $165,000. Streets in this district have "been graded and cement sidewalks laid. Hard-surface pavements are to be laid In McMahon's Addition as soon as the Uliine-street sewer system, for which plans have been completed, is built. "Work on this sewer will start early this Summer. It will cost about $140. (i0. There are no vacant houses in this district. Errol Heights Makes Progress. The J. A. Strowbridge estate sold a house and lot in Errol Heights to Jean Eisner for $1200. More than a dozen new cottages are being built in this ad dition, which Is south of Woodstock -Overlooking the Johnson Creek Valley. A number of residence sale3 have been made recently with the result that lhany homes are now under way. Residence Sales In Irvington. The Realty Associates sold a lot in irvington last week to J. J. Metzger for S13H0. This lot is on East Seventh near Irazee street. Joseph Pietschman boucht one in North Irvington from Mary Ulbert, the price given being nominal. J. D. MeKlnnon sold a lot iji block S8, Irvington, located on East 3-Heventh near Knott stret, for $1250 to W. II. 'Warner. Annie K. Sullivan liouprht a lot in Irvington located on ."1-r.ist. Twenty-second near Siskiyou Hireet, the price being nominal. ; Vale- tn Overlook. i Charles W. Snyder sold to Mary E. Hunter a house and lot for $4000 located ill Overlook Addition. J Deals in St. Johns. J. 15. yietcher sold to Frank Novak A house and two lots in Point View, tit. Johns, for $1800. Frank Mitchell iild to peninsula Company a lot for a nominal sum. The Commerce Trust & 5-ia.vings Bank sold to Volney S. Ogle tvvvo lots in East St. Johns. j J. W. Davis has Just sold to Char lotte L. Stevens a tra.-t 45x150 feet and improvements in St. Johns Heights for S3 Too. F. W. Chlpman sold to Susan Chipman two lots in Chipman's Addi tion to- St. Johns. Alameda Park Sale. V i William Bremer sold a house and lot tn Alameda Park last week to Harlon P. Gardner for $4000. This property is located on East Thirtieth street, near Mason street, and is an attractive onic. ; Purchases in tVarerly Heights. J Mrs. Rebecca Shere has sold her home 4n East Thirty-sixth street in Waverly Heights, near Ellsworth street, to L. P. Smith for $4000. "j-WFXYK PEHM1TS ARE ISSUED Inspector Authorizes Small Build- ! insrs During Week. ; Permits authorizing the construction Of buildings costing at least $1600 and not more than $2000 were issued by the inspector last week as follows: ! Charles Baron, erect one-story frame resi-J"ru- on Sixtieth tvtnuft, between Sixty woond and t"lxty-f If th streets; builder, M. V ;Mr. tl. W. McCarthy. erect one-story tranie residence on Missouri avenue between t GONSTFEUOTIDNCOS Church and Killingsworlh. avenue; builder. C. A. Payne; fluo. J- V. Teal, make one-story concrete ad dition to restaurant. Fourth street, between Taylor and Yamhill streets; builder. Charles H. Lucas Company: S1O0O. A. L. Shermirt, erect one-story frame res idence on Bast Seventh street, between Hol man and Magnolia; builder, F. W. CarroU; $1300. C. B. Edwards, erect one-story frame resl-J - .-. ,ui r ii hi avenue, Detween i.awiner ana Main streets; builder, same; $1000. L,. Schnell, erect one-story frame, residence et 8H6 East BiKhth street North, Irvington; buirder. c? Letchner; $1800. Mae Snodgrass, erect one-story frame dwelling. Clinton, between Fortv-second and Forty-third; builder, same: $1SOO. C. Berner, erecr-one-story frame dwelling. Forty-sixer avenue, between Fifty-seventh and Fifty-eighth streets; builder, same; $1500. Everett Carroll, erect one-st'orv frame dwelling. Thirteenth, between Skldmore and Prescott; builder, day work; $1750. W. B. Barksdale. erect nnp-.tnrv frame dwelling. Fargo, between Williams and Rod ney; ounner, s. Alexander; $100. Log Cabin Baking Comoanr. rennir Iva- story bakery building, Vancouver, between Fremont and Ivy; builder, William Vaet-s: $ltK0. , United Amusement Company, alter one story frame pavilion at the foot of Rex avenue; builder, same; $1000. ARCHITECTS EXiECT OFFICERS CIul Has Annual Meeting and Hears Reports of Work Done. At its recent annual bannirt ';neet. Ing in the Multnomah Hotel the Port land Architectural Club elected the fol lowing officers to serve for the ensuing year: President Frank Lo?an : vice- president. W.. I. Kalter: secretary, Russell E. Collins, and treasurer H G. Beckwith. All except Mr. Kalter were re-elected. These committee chairmen were also chosen: Educational, William G. Hol- rord; entertainment, Lloyd Dittrick, and house, Tim Turner. . 1 he annual reports of the officers and committee chairmen show the club to be in satisfactory condition. ACRE HOIS ARE IDEAL O. "U FERRIS PROPOUSDS QUERY OF "WHO CAS PROVIDE THEMP 1 Strong; Demand Develops on East Side, He Says, Contiguous to Railways and Platted Into Improved Streets. "There is a growing tendency in the realty market toward suburban acre age," said O. L. Ferris, of the Columbia Trust Company, yesterday. "Many city residents are tiring of the burdens of city taxation and the high cost of street improvements, and the freedom of the suburbs appeals to them. The simple life and the big reduction in the cost of living on a piece of one or two acres has many allurements for the man of family. "There is a distinct demand for Aie or two acres, particularly on the East Side, centrally located, close to city paving and carlines. The' element of speculation plays a large part in the feelings of these people. They figure they can make their .home on such acreage close to the city limits for sev eral years while the natural growth of the city comes their way and then they can cut their acreage into lots and realize nearly as much per lot as they originally paid per acre. "Too many of such acreage offerings in the past have not been protected by building restrictions. There is just as much need for a ' restriction in such a platting as there is in a city lot plat. An aristocratic, high-class district, with every home occupying approxi mately two acres of ground, a large area for garden, fruit, chickens, cow. etc.. with shaded, winding drives, well macadamized, Bull Run water, lots of view, sunshine and air; that's what they are looking for. "Who is going to supply the demand? The owners are the missing quantity in this equation. They want the lot prices and are not content to let the other fellow make a little." DOWXTOWX LEASES CLOSED AV". H. Webb Xcgotates .Rentals and Xcw Building Is Planned. The following- leases were closed by W. H. Webb during the week ended JIaj- 9: For Carlton Hotel Company, the store corner of Burnside and" Four teenth street, to George' A. Steele for a term at a rental of $720 per annum, and the store room, 504 Burnside street, to E. 11. Whiteside for one year at $420. For A. L. Sauvle, the one-story and basement building at 25 North For teenth street to the Blue Taxicab Com pany for a term at a rental of $900 per annum. For Baltimore Dairy Luncheon. In corporated, to G. Petroplus, the base ment under 303 Burnside street. For Dahl & Penne, the upstairs suite in' two-story building 142 Second street, to Kolb & Goltz for light manufacturing. For Central building, to Miss S New berry, suite of rooms for dressmaking. For Espey Estate and Gila Invest ment Company, the rear part of lot fronting on Burnside and Oak streets to the Pacific Mutual Film Corporation, to be improved with one-story building used as inspection room and vault. The building will be of tireproof material. For Toy Duck Hing. the store room, 242 Salmon street, to J. H. Cook, to be used as a restaurant. OFFICE XO PLACE FOR JOKES Real Estate Journal Warns Agents to Talk Business First. A real estate office, like every other business house, is a place for business and not for fun, says the National Heal Estate Journal. When a man goes there it is presumed he wants to talk about business. If he were looking for Jokes and laughter he probably would buy a ticket and go to a vaude ville show. A good laugh is a good thing, but It has its place. When you go into a business house it is not likely you are making a social call. So with the realty buyer ha wants attentloa service to be shown the goods, not entertained. So be tactful with your fun. Mr. Sales Manager. When your prospect is anxious to sign a contract. ion't stop to tell a. funny story nor to laugh. There is an indefinable faculty that tells us the fitness of things the time, the place, the thing. Certainly laugh ter and fun have their proper place, but their entire value is in placing Uiem right. Business Orst. REAL ESTATE CHAXGES HANDS Umbdenslock St Larson Co. Has Sev- - eral Sales In Two Days. In two days last week the Umbden stock & Larson Company made four sales. They are: To A. D. Scranton a bungalow located, on a lot on East Seventy-first street, near Glisan street. Jonesmore, $2700: to Glenn A. White a house and lot located in Jonesmore on East Seventy-sixth street, near Halsey street in Jonesmore. $2300; four garden tracts at Bristol, near Gresham, and five acres at Pleasant Home, for $1400. A Kansas City man has invented a turntable for garages which requires no pit nor excavating, an automobile being run upon steel runways mounted upon eight casters fitted to a circular track. MANY HOMES GROW -c iA fit rvL- r sn i7 lji . -jrrr l i I I f - ' " T M, ii ii r i sfeflBaQSairu'1" , " H X - - f . " 3 Si i - Si -. - ii 1 i I " I r-' it ht lM J;-L J I ' II Lid 4i krMl I In Laurelhurst the sound of . the builder's hammer never stops during- the day. -for new homes are belnj? erected in all parts -of . this addition. On Floral avenue, just north of Hast Glfsan street, four at tractive homes have been built recently." These are the residences of C. S. Barton, IL C. Grisel. C. E. 31 In sin ger and C. A. Paguc. They range in cost from $4000 to about $8000. They are typical of the many others which have been built north of Kast Glisan street. ' ' ' "' . FLOUR M ILL OPENS Big Celebration Marks'Start of Plant at Astoria. CITIZENS . SHOW LOYALTY Spceclios Are Made, Band Plays and People Inspect Concern First Sack of Output Brings $75 for ' Playgrounds. ASTORIA. Or., 'May 16. (Special.) The formal opening of the Astoria Flouring Mills Company's new plant took place Tuesday, and Astoria's loyalty-to the new enterprise was fully demonstrated when more than 3000 persons visited the mill. The Inspection started in the early morning and closed In the evening with a formal entertainment given by the UNDER HAM ME R OF. BUILDERS i - a"'' "JS i a ' - f-i ' f "WlJl.ll!.k,liJ"iHinJy ' . , ' I Chamber of Commerce. The ceremonies were held in the-big grain warehouse on the company's dock, which was filled .to overflowing." Speeches were made, and the music of the band, com bined with the enthusiasm of the audi ence, portrayed the good will of the city toward the young men who are at the head of the milling .company. Attorney G. C. .Fulton. - representing the Chamber of Commerce., gave the hietory of the organization. He paid high tribute to the business men who contributed toward buying the site for the new industry, and lauded the mill ing firm for the remarkable . manner in which it proceeded with the in stallation and . operation of the plant. 10O0 Sacks Sold Klrst Day. Charles B. . Stout, manager qf . the milling company, responded and ex pressed his delight in the confidence displayed by the people. He explained how the modern machinery meant much for the quality of Astoria flour, and thanked the merchants and cus tomers for their loyal support. He an nounced more than 1000 sacks of flour had been sold on the opening day. - Wallace R. Struble, secretary of the Port of Columbia Commercial Club, as sured the audience that the enterprise would be a- success, and showed what It meant to Aetorla by aiding in open ing up -active water transportation on the Columbia River. President Edgar W. Smith. . of the flouring mills company,, spoke of the confidence displayed by the people and thanked them for their support, which he declared to be the greatest ever given to a new enterprise in. 'the North ..'''"'i''.-,' '-Tv '-.el8ll IN LAURELHURST. . ..." .A t 3 ",1 -s f & Soys - - : west. He told of the plans of the com pany and how it would help Astoria. He predicted that in five years Astoria would be one of the greatest shipping points for grain in the West, stating that the watershed of the Columbia River is second only to the Mississippi River, and that this grain would soon be largely handled from Astoria. First Sark Brlin T5. The selling of the first sack of flour, the proceeds of which were to go to the children's playground fund, was a feature event. Breathless interest was displayed when Auctioneer Fred J. Johnson asked for bids.- The bids started at $10, and the sack was finally "knocked down" to W. K. Schimpff for $75. Mr. Schimpff resold it for $10. which was added to the playground fund. , . The mill has been In operation for the past month. Every citizen in the Lower Columbia country Is a booster, and great things are expected of it. The capacity is now 500 barrels a day, but the management intends to double it upon the opening of the Celllo Canal, which will enable it to ship wheat from Eastern Oregon and Idaho through to Astoria. Garrett House Ueaeed to Salem Man. The H. P. Palmer-Jones Company has leased the Garrett house. located at 494 East Twenty-second street North, between Thompson and Brazee streets, to Dr. F. E. Smith, who has Just moved to Portland from &alem. Dr. Smith has taken an option on the purchase ol the property. S 7 - K ii I: .rJ"gn MANY BOND SALES " PROOF OF" PR0BRE9S School, Water, Paving, Build ing and Railroad Issues Voted by Oregon Cities. NEW RAILWAY IS ASSURED Ashland, Richland, Baker and Tur ner HaTe Water Projects on Hand; Armory Planned- at Eu gene; School at Newport. The numerous school, water, paving, railroad, building and general munici pal improvement bonds that are being authorized and issued In the cities and towns of Oregon and in the neighbor ing municipalities of Washington is significant evidence of the substantial progress that is being made through out this section of the Northwest. During the last week the following information was received by The Ore gonian on questions pertaining to bonds in Oregon and tributary terri tory: Railroad Bond Aasored. Roseburg J. W. Perkins, chairman of the Roseburg railroad committee, has received assurance that the Coos Bay cities would back up the Rose burg project to construct & railroad from Roseburg to tidewater on Coos Bay. Coos County promises that if Roseburg will raise $300,000. that the three Coos County towns will raise $400,000. This will make a total of $700,000 and the remainder' of the money needed will be sought by ale of bonds in the East. A resolution was adopted by BOO citizens sanctioning the authorization of $300,000 city bonds to build the road. Improvement Bonds AMked. Portland Bids will be received by the Commissioner of Finance. C. A. Bige low, until May 19, for the purchase of $63,448.82 worth or improvement bonds, to be issued in denominations not to exceed $500, bearing 6 per cent inter est. Bonds are payable 10 years after date, and redeemable after one year. Ashland Bond IffKoe t" p. Ashland will vote bonds for $175,000 to put the medicinal waters in the park. Of this amount $110,500 will bring the water 'to the points of dis tribution, and $35,000 will be spent in fountains, etc. Water Bonda Are Authorized. Richland The citizens of Richland adopted a new charter, which gives them the right to bond the city for the construction of a water system. A gravity system from Eagle Creek is proposed. x Blda Made en Bonda at Corvallls. Corvallis Bids will be received by Municipal Judge George " W. Denman until May 18, for the purchase of $694 worth of improvement bonds. Bond No. 1 in th sum of $194 and bond No. - in the sum of $500. Donds will bear 6 per cent interest. Armory Bonds on Sale at Kugene. Eugene Bids will be received by the City Recorder, R. S. Bryson. until June 8. for the purchase of $25,000 worth of Armory bonds, to be issued in denom inations of $500 or $1000 each, and bearing 6 per cent Interest. Street Bond on.. Sale in Portlnnd. Portland Bids will be received by the Commissioner of Finance, C. A. Bigelow, until May 19, for the siile of $596.75 worth of street extension bonds, to be issued in denominations as wili suit the purchaser. The' bonds are pay able In 10 years and bear 6 per cent interest. School Bonda Voted In Newport. Newport At the recent school elec INSURANCE COMPANIES PAY OUT $1,300,000 A DAY Walk Through Cemetery Discloses ' Death Is Inevitable and Obtaining Policy Is Safeguard to Family for Contingencies. by insurance: kditor. TAKE a walk through the cemetery and you will pass the resting place of a man who blew into the muzzle of a gun to see if it was loaded. A ' little farther down the slope is a crank who tried to show how close he could stand to a moving train while it passed. In strolling about you will see the monument of the hired girl who tried to start the fire with kero sene, and a grass-covered knoll that covers the boy who put a cob under the mule's tail. That tall shaft over a man who blew out the gas casts a shadow over the boy who tried to get on a moving train. Side by side the pretty creature who always had her corset laced on the last hole and the intelligent idiot who rode a bicycle nine miles in 10 minutes sleep unmo lested. At repose is a doctor who took a dose of his own medicine. There with a top of a shoe box driven over his head is a rich old man who married a young wife. Away over there reposes a boy who went fishing on Sunday, and the woman who kept strychnine powders in the cupboard. The man who stood in front of the mowing ma chine to oil the sickle is quiet now and rests beside the careless brake man who fed himself to the 70-ton engine, and nearby may be seen the grave of the man who tried to whip the editor. Death is inevitable. The procuring of life insurance is a safeguard to the family for the contingencies that can arise. Life insurance -will not guar antee that you will not die; but it will make your last - hours peaceful and. you can face your maker with the as surance f duty done toward your fam ily. Life insurance companies, the great est of all benevolent and philanthropic Institutions, stand out more promi nently today than ever before. At no other time in the history of life in surance has its relation to the public been of such great and almost uni versal importance as at the present time. It is .difficult to realize in the fullest sense the extent to which the public at large is affected by the re sults of this great scheme of benefi cence. It seems almost beyond belief that the life insurance companies of . the United States are distributing to widows and orphans, to societies and policy-holders themselves, more than $400,000,000 annually, aproximately $1,300,000 for each working day. $165. 000 for each working hour. $2700 for each working minute and $450- for each working second. The people hear and read, but do not fully realize t lese magnificent results, nor do they fully appreciate the ability exercised by the men behind these great institutions, the hardest kind of hard work of so licitors in-tha field, the loving Xore-( tion $16,000 bonds were voted for the construction of a new high school building. Water Bonds Voted at Baker. Baker At the election held here the bond issue of $50,000 carried. The pro ceeds of the issue will be used for the construction of a gravity water system. It is proposed to put in a pipe line from Eagle Creek. Ave miles above Richland, and to furnish water to the town of Newbridge, two miles away. 910,000 Bonda tor Sale at Turner. Turner Bids will be received by City Treasurer G. A. G. Moore, of Turn er, until May 21 for the purchase of $10,000 city of Turner general obliga tion water 30-year. 6 per cent gold bonds in denominations of $100 to $100 to suit the purchaser. The bonds are optional after 20 years. School Bond laaue Defeated. Walla AValla. Wash. Bonds in the sum of $175,000 for the construction of a high school were defeated at the re cent election. Spi-tnirflrld ravine Bonda Awarded. Springlleld The $61,000 paving bonds were awarded to the Clark & Henery Construction Company at par and ac crued interest. Kills' Home Bond Sale Planned. Port Angeles. Wash. The construc tion of the new Elks' home will begin immediately. It will be financed by a $40,000 bond sale, which will be hand led by E. II. Grasty, a bond buyer of Portland. A call for bids will be made at once. Belline-ham to Vote on Bonda. Bellingham, Wash. A special elec tion will be held June 6 to vote on the proposition of bonding School District No. 301. Whatcom County, for $100. 000. The bonds would be payable in 20 years and redeemable in 10 years with interest not to exceed 6 per cent. The purpose is the construction of school buildings. TRUST COSrPAXV IS REXAM0BD Columbia Realty Investment Com pany Title Selected, Irue to Law. The recently enacted trust company law, which requires all companies using the name "trust" to comply with the banking act or drop the word from their corporate names Is bringing about many changes in the nomenclature of real estate firms that have been doing business for many years under some trust company name. Prominent among these is the Columbia Trust Company, which has been an extensive operator in subdivisions in and about Portland for the past eight years. Supplementary articles of incorpora tion have been filed, changing the name to the Columbia Realty Invest ment Company. The officers of the company are O. 1 Ferris, president; U L. Saunders, vice-presidont; I. M. Griffin, secretary; W. B. Reese, man ager insurance department; W. C. Becktell, manager exchange depart ment. The company finds more inquiry and a better tone in the business of late than for some time and will remain active in general real estate, rentals, fire insurance and loans. EIGHT SALES AIU3 MADE Scott-Bcesley-Deane Company Trans, fers nouses and Ixts. The following sales have been made by Scott-Beesley-Deane Company dur ing the past month: To J. J. Sharkey, from D. J. Mahon', five-room modern home, located at Kast Fif ty-fourtli and Tillamook streets; consideration $3300. Lot 8, block 37. Rose City Park, to W. C. Koald; consideration $800. Pur chaser has already commenced a mod ern bungalow to cost about $2500. Three lots in Errol Heights to J. C. Adams; consideration $1000. Five-room house at East Sixty-fourth street, to Harry L. Fickle; considera tion $3000. Mr. Scott purchased lot 7, block 42, Rose City Park, from D. A. Cuttle; consideration $900. He will build a modern home, costing about $2000. Rooming-house on Washington street, to Mrs. E. Rundlett' from Mrs. J. C Adams: consideration $2700. Iot 11. block 5, Rose City Park, to Andrew Parisich: consideration $450. Iot 6, block 5, Rose City Park, to Henry N. Bresaw: consideration $400. thought and sometimes self-denial of persistent policy-holders, and the great value of the excellent state supervision of the different insurance departments, all of which in appropriate degree con tribute thereto. - In tens of thousands of cases money which is being paid in on life insur ance policies is coming from people who would not otherwise acquire the habit of saving. Millions of dollars are put into life insurance every year that would otherwise be squandered in luxuries and frivolities. This system of business, therefore, is doing an incalculable good by encour aging thrift, making better citizens, neutralizing the effects of death and equitably distributing funds among the needy and so saving millions from pov erty and from the care of the state. It can be truthfully said that life insur ance is the greatest economic factor in the world today in sustaining the standard of civilization. If there were a proper understand ing of the merits of insurance as well as the proper feeling of obligation on the part of every provider there can be no doubt but that the. averago insur ance of tho provider in the United States would be anywhere from four to 10 times as great as at the present time. If children's minds were Incul cated with understanding of insur&nco as the moral obligation resting upon persona to carry life insurance, such additional amount of insurance could very easily be carried even by laboring men because they would have taken out insurance at such an age that the premium" would be very email. It is estimated that the value of American lives is approximately $350,000,000,000. This life value is only redeemable to an extent of less than $30,000,000,000 by life insurance now in force. Life insurance in force has increased 83 per cent in the United States dur ing the past io years. Counts and cobblers are of the same rank, as classified by life insurance, and can be insured at the same rates. Adopt the sensible plan of having periodical health examinations; it will cost you less to keep well than to get well. The smaller your Income the smaller will be your savings and the greater your family's need of life insurance protection. Tears are nothing but salt water to preserve & fresh grief. Insurance is business, genuine, old-fashioned, 16 ounce precaution. m Don't work with dull tools. Don't tinker with schemes of insurance. If your life is worth insuring., and It probably is. do it safely, -heaf ?.',yfc-uikO domsisiilW2 3 2 S3