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.