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About The gazette-times. (Heppner, Or.) 1912-1925 | View Entire Issue (April 13, 1922)
TIIE GAZETTE-TIMES, IIEITXER, OREGON, THURSDAY, APRIL 13, 1922. FAGE THREE PROFESSIONAL CARDS DR. F. F. F ARMOR DENTIST Office upstairs over Postoffice Heppner, Oregon DRS. GROVE & VAUGHAN DENTISTS Permanently located in the Odd Fellows Building, Rooms 4 and 5. Heppner. Oregon A. D. McMURDO, M. D. PHYSICIAN SURGEON Office in Patterson Drug Store Trailed Hint AuUUit Heppner, Oregon C .0 .CHICK, M. D. PHYSICIAN A SURGEON Office upstairs over Postoffice Trained Hint Assistant Heppner, Oregon WOODSON & SWEEK ATTOllNEYS-AT-LAW Office in Masonic Building Heppner, Oregon SAME. VANVACTOR ATl'OHNEY-AT-I.AW First National Bank Building Heppner, Oregon S. E. NOTSON ATTOHNEY-AT-LAW Offce in Court House. Heppner, Oregon Office Phone, Main 641 Residence Phone, Main 865 FRANCIS A McMENAMIN LAWYER Gilman Building, Heppner, Ore. F. H. ROBINSON IONE. OREGON ROY V. WHITEIS Fire Insurance writer for best Old Line Companies. Heppner, Oregon E. J. STARKEY ELECTRICIAN HOUSE WIRING A SPECIALTY Heppner, Oregon Phoae 873 I " HEPPNER SANITARIUM IK. J. PERRY CONDER I'hyalclan-ln-Charge Treatment of all disease!. Isolated wards for contagious disease. FIRE INSURANCE WATERS & ANDERSON fturreMora to C. C. Fatttraoa Heppner, Oroffon THE MOORE HOSPITAL Entire New Equipment... Large Modern Surgery. DR. C. C. CHICK, M. D. I'hyslclan and Surgeon Phone Mala 533 MATERNITY HOME MRS. (i. C. AIKEN, HEPPNER I nm prepared to take a limited number of maternity cases at my home. Patients privileged to choose their onn physician. Hest of attention and care assured. Phone .10. BEAMER & WILLIAMS DRAY AND TRANSFER Phone Main 872 Heppner Oregon LEGAL NOTICES NOTICE OF SHERIFF'S SALE. By virtue of a foreclosure and order of sale duly Issued by the Clerk of the Circuit Court of the State of Oregon for Morrow County, dated the 16th day of March, 1922, In a certain suit In the Circuit Court for said County and State, wherein Thomas 0111, plaintiff, recovered judgment against Edward Doherty for the sum of Two Thousand Nine Hundred Sixty. Two and 40-100 Dollars; the further sum of 1250.00 at torneys' fees and costs and disburse ments taxed and allowed at 132.00 on the third day of March, 11122.' Notice la hereby given that I will on Saturday, the 22nd day of April, 1922, at 10 o'clock A. M. of said day, at the front door of the Court House In Hepp ner, Morrow County, State of Oregon, sell at publlo auction to the highest blddor for cash In hand, the following described real property, to-wit: The East half of the Northwest quar- tor and the East half of the Southwest quarter of Section 8; lots throe and four and the South half or the worm' west quartor and the Southwest quar ter of Section 6, all In Township Two 2) South, Range Twenty-nine (29) ast of the Willamette Mar Id Ian. in Morrow County, State of Oregon, being the real property mortgaged to the plaintiff by the defendant to secure the payment of the foregoing Judgment and ordered by the Court to be sold to satisfy the same. Taken and levied up on as the property of Edward Doherty, or so much thereof as may be neces sary to satisfy the said Judgment to gether with all costs and disburse ments that have or may accrue. GKOUGE McDUFFEE, Sheriff. Date of first publication March 23, 1922. IN THE CIRCUIT COURT OF THE STATE OF OREGON FOR MORROW COUNTY. Morrow County, Oregon, A Public Corporation, Plaintiff. vs. John J. Glvens, Q. W. Grey, Jesse R. Pierce, J. D. Jenkins, A. B. Moses, The Parvln Company, a corporation, George E. Qulggle, A. A. Tillman, Max Ragley, Frank Hanford. Harris M. Pease, E. A. Wlckline, M. Linebaugh, C. Line baugh, H. W. Creea, C. Ray Beckley, Clarence E. Deal, Geo. W. Lewis, Arvld Haryu, Ellen Mc Arthur, Ruth 8. Hodge, Frances Cantwell. L. D. Hale. Ina Hale, O. D. Forbes. H. M. Blake, J. A. Harbke. Mary E. Rog ers, E. I Thomas, Chas. H. Rogers, Jacob J. Nlc kle, H. D. Winters. Iva Q. Sellwood, and M. B. Evans, and any other person or persons own ing or claiming to own, or having or claiming to have any Interest or es tate In or to the real property hereinafter de scribed, Defendants. NO. 1870. APPLICA TION FOR Jt'DUMENT TAX LIENS. (ISIS) SUMMONS AND NOTICE. To John J. Glvens, G, W. Grey, Jesse R. Pierce, J. D. Jenkins, A. B. Moses, The Parvln Company, a corporation, Goorge E. Qulggle, A. A. Tillman, Max Ragley, Frank Hanford, Harris M Pease, E. A. Wlckline, M. Linebaugh, C. Linebaugh, H. W. Creea C. Ray Beck Icy. Geo. W. Lewis. Arvld Haryu, Ellen McArthur, Ruth S. Hodge, L. D. Hale, Ina Hale, O. D. Forbes, J. A. Harbke. Mary E. Rogers, E L. Thomas, Chas. H. Rogers, Jacob J. Nlckle, H. D. Winters, Iva Q, Sellwood, and M. B. Evans, and any other person or persons owning or claiming to own, or having or claiming to have, any Interest or estate In or to ihe real property hereinafter described, Defendants: IN THE NAME OF THE STATE OF OREGON: You and each of you are hereby notified that the above named Plaintiff, a Public Corporation, Is the purchaser, owner and holder of certi ficates of delinquency numbered 64, 965, 966, 967, 968. 969, 970, 972, 978, 976, 976. 984. 986, 987, 989. 993, 995, 1002, 1003, 1004, 1005, 1006, 1007, and 1008, Is sued on the 16th day of May. 1920, by the Sheriff and Collector of Delinquent Taxes for Morrw County, Oregon, and filid by said Sheriff md Collector of ellnquent Taxes in the oirtce of the County Clerk of Morrow County, Ore gon, on the 16th day of May, 1920, for taxes due and delinquent, together with penalty, interest and costs thereon, up on real property situate In Morrow County, Oregon. You are further notified that the am ount for which said certificate is issued Is set opposite and following the des cription of the tract or parcel of land I hereinafter set out, the same being the amount then due and delinquent, for the taxes for the year 1915, together with penalty, Interest and costs there on, upon real property situate In Mor row County, Oregon, and particularly bounded and described as hereinafter set forth; said tract or parcel of land being assessed for the year 1916 to the person whose name first Immediately precedes the description thereof, and Is followed by the name of the person ap pearing to be the owner thereof, as appears on the tax roll of Morrow County, Oregon, now In the hands of the Sheriff of said County for collection, at the date of the first publication of this summons and notice, which date Is tho 9th day of March, 1922. Certificate No. 964, John J. Glvens and John J. Glvens, East half of East half of Northeast quarter of North west quarter of Section 17, Tp. 8 N R. 24 EaBt of Willamette Merid ian 11.20 Certificate No. 966, G. W. Grey and Jesse R. Pierce, West half of North east quarter of Southwest quarter of Northwest quarter of Section 17, Tp. 3 N, R. 24 East of Willamette Meridian - 10.70 Certificate No. 966, J. U. Jenkins and J. D. Jenkins, NW14 NW NE14, E4 S NW14 NEK. Wis SEfc NV NEK, NWK SWK NW14. Section 17, Tp. I N., R. 24 East of Willamette Meridian 18.10 Certificate No. 967, A. B. Moses and A. B. Moses, SWK 8W54 NW14, Wli SEK SWK NWK, Eft E4 NW14 NW, Wli NEK NEK NWK. W NEK NWK. Section 17, Tp. 3 N., R. 24 East of Willamette Merldlftn....$6.00 Certificate No. 968, The Parvin Com pany, a corporation, and The Parvin Company, a corporation, South half of Northeast quarter of Section 16, Tp. 8 N R. 26 East of Willamette Meridian 84.80 Certificate No. 969, George E. Qulggle and George E. Qulggle, SK SEK NWK, Section 16, Tp. 8 N, R. 26 East of Willamette Meridian 11.36 Certificate No. 970, A. A. Tillman and A. A. Tillman, NWK NWK. Section 29, Tp. 4 N., R. 24 East of Willam ette Meridian .$2.60 Certificate No. 972, Max Ragley, and Frank Hanford and Harris M, Pease, WK SEK SEK and NWK NEK SEK except east two acres thereof, Section 17, Tp. 8 N R. 24 East of Willamette Meridian 33.06 Certificate No. 973, E. A. Wlckline and E. A. Wlckline, WV4 WK SWK SEK and WK SWK NWK SEK, Section 17, Tp. 3 N., R. 24 East of Willamette Morldlan 11.70 Certificate No. 976, M. Linebaugh and C. Linebaugh, and M. Linebaugh and C. Linebaugh, NEV4 and EH EVi NWK, Pootion 16, Tp. 4 N., R. 27 East of Willamette Meridian ..... 112.16 Certificate No. 976, H. W. Crecs and C. Ray Beckley, Lots 1 and 2, Block 7 East (In Section 19, Tp. 6 N., R. 27 East of Willamette Meridian) 81.95 Certificate No. 984, Geo. W. Lewis and Geo. W Lewis, NWK SWK and EH SWK, Section 19, and NEK NWK. Section SO, Tp. 6 S., R. 26 East of Willamette Meridian 316.28 Certificate No. 986, Arvld Haryu and Arvld Haryu, SEK, Section 83, Tp. 6 S., R. 27 East of Willamette Mer idian 2U0 Certificate No. 987, Ellen McArthur and Ruth 8. Hodge, SH NWK and NH SWK, Section 86, Tp. 6 R. 26 East of Willamette Meridian. (21.70 Certificate No. 9S9, L. D. Hale and Ina Hale, and L. D. Hale and Ina Hale, Lou 1 to 16 Inclusive, block 1. City of lone, Oregon 88.95 Certificate No. 993, O. D. Forbes and O. D. Forbes. Lot 1, Block 1, ClufTs Second Addition to the Town of lone, Oregon 180.10 Certificate No. 995, J. A. Harbke and J. A. Harbke. Lot 2. Block 1. of Cluff's Fourth Adltion to the Town of lone, Oregon 32.10 Certificate No. 1002. Mary B. Roger and C. Ray Beckley, Lota 1 to In clusive, Block 1, Castle Rock. Ore gon 10.90 Certificate No. 1003, E. L. Thomas and E. L. Thomas, Lota 7 and 8, Block 1. and Lota 1 and 2, Block 3, Castle Rock, Oregon $1.10 Certificate No. 1004, Chas. H. Rogers and C. Ray Beckley, Lota t and 4. Block !. Castle Rock. Oregon $0.90 Certincate No. 1005, Jacob J. Nlckle and Jacob J. Nlckle, Lots 1 and 2, ' Block 3. and Lots 8 and 4, Block t. Castle Rock, Oregon $1.10 Certificate No. 1006, H. D. Winters and H. D. Winters, Lots 3, 4 and S, Block 3, Castle Rock, Oregon $1.00 Certificate No. 1007, Iva O. Sellwood and Iva G. Sellwood. Lota 1 and 3. Block 4. Castle Rock, Oregon $0.90 Certificate No. 1008, M. B. Evans and M. B. Evans, Lots 1 and 2, Block 6, Castle Rock. Oregon $0.90 The said amounts bear Interest as follows: The Taxes aforesaid bear In terest from the date of the filing of said certificates of delinquency, respec tively, at the rate of 12 per cent per an num, until paid, the date of filing of said certificates of delinquency being the lGth day of May, 1920. And you and each of you are hereby summoned to appear within sixty days after the date of the first publication of this summons, exclusive of the day of first publication thereof, to-wit: March 9, 1922, and defend the suit In the Court aforesaid, or pay the amount due as shown above against the said tracts or parcels of land, respectively, above described, of which you are the owner, or In which you have, or claim to have, any Interest or estate, together with interest and costs accrued In this suit thereon. Service of a copy of your answer or other process may be made upon the undersigned attorney for plaintiff, at the place specified below as his addreBB, and In case of your fail ure so to do, Judgment and decree will be entered against you and each of you, foreclosing said tax Hens for the amount set opposite and following the description of said tract or parcel of land above set forth, together with in terest and costs thereon, against said tracts or parcels of land and said tracts j or parcels of land will be sold to satisfy said Judgment and decree obtained In J this suit i You are hereby furthor notified thatj the plaintiff will apply to the Circuit Court aforesaid for Judgment and de cree foreclosing said tax liens against said property, hereinbefore described. This summons is published once each week for sixty consecutive days In the Gazette-Times, a newspaper of general circulation in Morrow County, Oregon, published weekly at Heppner In said County, the date of first publication thereof being March 9, 1922, said pub lication being made In pursuance of an order therefor made by the Honorable Gilbert W. Phelps, Judge of the Cir cuit Court of the State of Oregon for Morrow County, said order having been made and entered on the 14th day of February, 1922. COUNTY OF MORROW, STATE OF OREGON. By Samuel E. Notson, District Attorney, for Morrow County, Oregon and At torney for Plaintiff; whose address Is Heppner, Oregon. M-ll. NOTICE TO CREDITORS. Notice Is hereby given that the un dersigned have been .luiy appointed by the County Court of Morrow County, Oregon, Joint adminls'.:iti-.- ami admin istratrix of the Estate of Silas A. Wright, deceased, and hove accepted such trust All persons navin; claims against Bald estate are hereby notified and required to present the same, with vouchers and duly verified as by law re quired to us at the office of our attor neys, Woodson and 8wek in Heppner, Oregon, within six months from the date hereof. Dated and first published March 23, 1922. MARTHA J. WRIGHT, FRANK GILLIAM. NOTICE OF FINAL SETTLEMENT. Notice is hereby given that the un derslgned have filed their final account in the matter of the Estate of Robert Dexter, deceased, and the County Court of the State of Oregon for Morrow County has fixed Monday, the 1st day of May, 1922, at the hour of 10 o'clock in the forenoon of said day as the time, and the County Court room in the Court House at Heppner, Oregon, as the place, for hearing and settlement of said final account Objections to said final ac count must be filed on or before said date. IDA B. DEXTER, Executrix. JACOB A. DEXTER, Executor. IN THE CIRCUIT COURT OF THE STATE OF OREGON FOR THE COUNTY OF MORROW. Addle Devlne, Plaintiff ) VS. ) SUMMONS Claude Devlne, Defendant ) To Claude Devlne, Defendant: IN THE NAME OF THE STATE OF OREGON: Tou are hereby required to appear and answer the complaint filed against you In the above entitled suit within six weeks of the date of the first publication of this summons, and If you fall to so appear and answer, for want thereof, the plaintiff will proceed to ask the Court that the bonds of mat rimony now existing between the plain tiff and defendant be forever dissolved and held for naught and that plaintiff be granted an absolute divorce from said defendant, and that Earl W. De vine and Lois O. Devlne, the minor chil dren of the plaintiff and defendant be given to the care, custody and control of the plaintiff. That plaintiff be grant ed one hundred ($100) dollars attor ney's fees, togother with hor costs and disbursements herein. This summons Is published pursuant to an order of the Honorable Wm. T. Campbell, Judge of the County Court of Morrow County, Oregon, made and entered on the 25th dny of February, 1922. F. A. McMENAMIN, Attorney for Plaintiff. Residence and post-office address, Heppner, Oregon. Date of first publication March 30, 1922. Date of last publication May 11, 1922. NOTICE TO CREDITORS. Notice is hereby given that the un dersigned has been appointed adminis trator of the estate of Arthur Kllcup, deceased, and has qualified as such. All porsons havlnir claims analnst said es state muBt present them to me properly verlfiod, at the ofTlco of Woodson and Sweek, my attorneys, in Heppner, Ore gon, on or before six months from the date of first publication hereof, W.'W. KILCUP, Administrator. Date of first publication, April 8, J92I. JiOTH B TO CREDITORS. Notice is hereby given that the un dersigned has been appointed by the County Court of the State of Oregon for Morrow County administratrix of the estate of Arthur J. Hunt, deceased, and that all persons having claims against the said estate are required to present the same, duly verified according to law, to me at the office of my attorney, S. E. Notson, In Heppner, Oregon, with in six months from the date of first publication of this notice, said date of first publication being April , 1922. ETTA C. HUNT, Admnlstratrlx. NOTICE. Notice Is hereby given that L the un dersigned, under the laws of the State of Oregon, have taken up the animal hereinafter described while running at large on my premises in Morrow Coun ty, Oregon, to-wit: One brown mule, with bay points, coming 3 years old. branded with Irregular brand on left shoulder, brand resembles a figure 7 with two points to right of stem near what seems to be a reversed figure 6, followed by a four pointed blotch. That I will on Friday, the 29th day of April, 1922, at the hour of 3 o'clock In the afternoon of said day, at my ranch eight miles southeast of Hepp ner, Oregon in said County of Morrow, unless the said animal shall have been redeemed, sell for cash In hand to the highest bidder, said anipiaj, for the purpose of paying costs of taking up, holding and selling of said animal, to gether with reasonable damages for the Injury caused by running at large on said premises. FRANK J. HOLBOKE. Dated and published the first time this 13th day of April, 1922. 3t Political Announcements For Commissioner. 1 hereby announce myself as a candidate for the nomination to the office of County Commissioner, sub ject to the will of the Republicans of Morrow County, to be expressed at; the Primaries in May, 1922. G. A. Bleakman, Hardman, Ore. Paid Advertisement. For Joint Representative. I hereby announce my candidacy on the Republican ticket for Joint Representative of the District of Mor row and Umatilla Counties in the May primaries. I have lived in Uma tilla county 24 years and own prop erty in both counties. I was a mem ber of the 1919, or War Sesson, and the specal -session of 1920 of the Ore gen Legislature and otherwise have devoted much time to public matters. 1 have no platform, except to offer the best judgment I have and to pur sue a conservative and economic course. I believe in applying strict business methods to public matters. When we can pay for public develop ment we should have betterments, but when taxes grow burdensome we must be content with the old ways un til we can do better. Just now taxes must be trimmed Wherever possible and no new appropriations made; and the pressing need of the farmer and stockman must be the main issue in law making and in the sphere of public influence. E. P. Dodd, Hermiston, Ore. Paid Advertisement. For Representative. I hereby announce myself as a candidate for the nomination to the office of joint representative for Alorrow and Umatila counties in the Oregon Legislature, subject to the will of the Republicans of the two counties, to be expressed at the Pri maries in May, 1922. J. Perry Conder, Heppner, Ore. Paid Advertisement. For Representative. L hereby announce myself as a candidate for the office of Joint Rep resentative of Umatilla and Morrow counties, on the Republican ticket. If elected I promise to faithfully and honestly perform the duties of the office, working at all time for the best interests of the people of this district and the state of Oregon. E. M. Hulden. Paid Advertisement. For County Commissioner. After being urged by citizens and taxpayers in all parts of the county to anounce myself as a candidate for the nomination for, County Cmmis sioncr, I have decided to do so and will be a candidate for such nomina tion on the Democratic ticket at the coming primaries. I have been a taxpayer here since before Morrow county was organized. I have no platform to announce nor promises tc make only that, if elected, I will endeavor to serve the people of the county to the best of my ability. R. L. Benge. Paid Advertisement. Homey Philosophy for 1922 This wireless business has set the world to wondering if, after all, the judgment day may not be more em barrassing than any one may think. Imagine what would happen if all the conversation of the world now stored in the air is tabulated, check ed up and made a matter of public record. Oh, boy. Waves of force once started never cease. Even the whisper of the secret closet makes an imprint lasting into eternity. In short, we have just learned we can not keep a conversation really se cret, though we may do so for a little time. Perhaps the waves of thought are recorded, too. It may be best to watch our step and talk right and think right, after all. The writing already is on the wall for the sland erer and the mental crook. Netted Gem seed potatoes for sale at Phill Cohn warehouse. Adv. 2tp A IK E J Executive Asserts That Thrift Taught By Insurance In vestment Offers Golden Rewards. Should Begin With Youth, Thrift A National As Well As An Individual Asset. By Edward A. Woods. Editor's Note Edward A. Woods is general agent for the Equitable Life Assurance Companies. While his offices are located in Pittsburgh, he is known from coast to coast by insurance men of all companies as one of the most progressive and tire less workers in the profession, with a broad but comprehensive belief in a future state which will see life in surance as universal in sustaining life and happiness. The primary idea of Life Insur ance, of course, is protection. But, because in this respect Life Insur ance only will do something that no thing else can, another important by product of Life Insurance has often been overlooked, which alone would justify this great American institu tion that is, its influence in promot ing systematic Thrift. Badly as Thrift is needed even in rich, prosperous America, there are comparatively few institutions for promoting regular, systematic Thrift. One will see at once there are the Savings Banks, Building and Loan Associations, Life Insurance Com panies, Bond Houses. Of course, these are among our most important and most prosperous institutions. But the Savings Banks, for example, have not yet worked out a plan under, which, a systematic inducement is of fered for saving money week by week, month by month, or year by year. Savings Banks are local in stitutions, conveniently situated more accessible than most life insur ance offices doing excellent adver tising, with able directors locally known giving the banks standing I WHY Home Trade Falls Off IT ALWAYS SLUMPS WHEN BUSINESS IS UNBUSINESSLIKE. Most business men have this failing they are swept off their feet when business booms. We hit prosperity. Then starts the trouble. Every body buys everything in sight and the merchants are caught in their own trap. They start advertis ing to beat the band. A riot of selling follows, the merchants OYER ADVERTISE and OVERSELL THE MARKET. Demand for goods keeps up and then comes the trip to the bank to borrow for ex pansion. Then whatt Shortage and rising prices a riot of buying before prices tilt to the top and a wild spree of advertising to keep the game going. Suddenly there comes a halt. Buying Blows up, and timid unbusinesslike merchants curtail adver-. tising and the buying halt continues. Then adver tising is stopped and business becomes stagnant. When trade needs no stimulus the merchants buy space like drunken sailors, but when trade needs a strong push, they contract. If business spent one-third the money in adver tising when trade is booming and three times the money when trade is poor, business would find stability. NOW IS THE TIME TO ADVERTISE EXTENSIVELY. Don't throw chips on a blazing fire. The wood is needed when the fire is low. Advertising now means a real service t6 the buying public. The people want to know where and what they can buy economically. MERCHANTS GET BUSY. MAKE YOUR DRIVE NOW. and they offer excellent facilities to those desiring to save money to do so. But they do seem to fall short in of fering the objectives they should for torming habits of Thrift. Boys and the Banks. If a man desired to encourage his son to save money regularly, the Savings Banks do offer facilities for doincr so if thp nn wichpc tn Qnn- pose, tor example, a tamer does per suade his son that he should put by $10 a month in a Savings Bank the bank will accept the deposit, take good care of his money and return it to him with good interest. But how about the next month, and the suc ceeding months will he continue his deposit? When one begins to inquire as to what other institutions there are that tend to form thrift habits which can be defined as "a practice of saving money systematically, month by month, or year by year is one not surprisingly limited to very few in stitutions? There are some the Building and Loan Associations do it. There are local institutions in Massachusetts and some other stales that do it. Bonds may be bought upon the inslamtent plan. Real es tate may be bought and paid for by systematic payments. But these are relatively little used compared to the total population of the country who should be saving. Thrift Via Insurance. Life Insurance is one institution that systematically encourages a man to set aside a certain amount of mon ey at a regular date for a regular period. A man who takes a Life In surance policy, whether he pays for it monthly, quarterly, semi-annually or annually, practically commits him self to a plan of laying by a definite amount of money to be paid at a definite time and for a certain per iod, a long time ahead for twenty years, thirty years or a life-time. What an effect this habit has had up on the 50,000,000 people who are utilizing it, is hard to conceive. But when we speak of extravagant and shiftless Americans, there is satis faction in feeling that through this institution, which has been developed in America to an extent exceeding all the rest of the world put together, the majority of the population are (in this way at least) cultivating and actually practicing Thrift in its best sense. There are at least 134 kinds of in surance that one can secure through an incorporated insurance organiza tion. In all of these, with the single exception of Life Insurance the amount paid must be charged off as an expense automobile, fire, mar ine, plate glass, burglary and other insurance that one buys. Needed Institution. - Life Insurance is money saved. Just as surely as death is certain. Life Insurance should be considered as money saved, not spent. In one's ledger, one should charge off the premiums paid for all these other forms of insurance, for nothing is received on them unless a loss oc curs. Only the loss of life is certain. The influence of Life Insurance in encouraging young people, men and women, to cultivate the habit of Thrift, perhaps alone justifies its ex istence. America needs such institu tionsthey must increase. Banks must discover some way of encourag ing continuous, regular, monthly or weekly deposits for a period of years. The Christmas Savings Clubs are one illustration of how it can be done but this is really money saved to be spent at the end of a year's time. The young man who plans to save money for a long period ahead is certain to be a better citizen, a more prosperous, a thriftier and a better man for the community. The late James J. Hill and the late A. Barton Hepburn said two things that should be impressed upon the mind of every young or, for that mat ter, every young and old person : "If you want to know whether you are destined to be a success or not, you can easily find out. The test is simple and infallible. Are you able to save money? If not drop out. You will lose. You may think not, but you will lose as sure as fate, for the seed of success is not in you." James J. Hill. Of course, inauines concernin? a man's life insurance will not answer all the questions involved in the mat ter of extending credit, nor any of them conclusively, but I douht if there is any one line of inquiry that could be made of a man who has reached middle age, after having been engaged in business for several years, that would come as near show ing both ability and determination to meet obligations and keep promises." Hon. A. Barton Hepburn. FOR SALE Four first class Mam moth Bronze turkey toms. W. H. Cleveland, phone 48FI I. 4t.