davidaulloa/AmericanStories huggingface dataset:
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
MAY PAY OFF
MORTGAGE WHEN
EVER He DESIRES
Borrowers Rights Are De-
fined by the Appellate
Court

A building and loan company in Indi-
ana cannot by its bylaws and contracts
prevent a borrower from paying the
mortgage on his home whenever he de-
sires. according to the appellate coure
yesterday.
The decision was given in reversing
the Marion superior court In the suit OF
Frederick B. Adams to cancel a mort
gage held by the Union National Saw
ings and Loan association. The lower
court held that the provision of the
bylaws and mortgage stipulating that
II the borrower should be in errears for
three months in his payments, he
should thereby waive his statutory
right to redeem at pleasure and there
after should be allowed to redeem only
OIL six months notice, was binding on
the borrower and he could not after
default redeem without six months no.
tice
The appellate court said the law rec
ognized the fact that debtors in their
extremity would make contracts sacrf-
ficing their mos. precious legal rights
but that the law would not uphold
such contracts. The decision of the
higher court pointed to the fact that
the debtors cannot waive usury ex-
emption and redemption laws. and said
The statutes and the de.
cisions of this and the supreme cour-
constituting the same, plainly indicate
the policy of this state TO be agains
the enforcement of such a contract a,
is insisted upon by the appellee in thi
cases We therefore, hold tina
the stipulation of the bylaws and tn
instruments signed by the appellant a
the time he procured his loan. which
aim to prevent him from paying sucl
| loan at any time. are in clear contra
vention OF public policy, and, therefore
null and void"
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

(CODffDueQ from rage On9y
interurban's Gary and Crown Point d.
vision; the Valparaiso and Northern in
terurban, and cars connection with the
air line cars running to Chesterton. La
Porte. and South Bend.
More Extensions Shortly.
On January 26 the Valparaiso and
Northern will give an express service
between Gary and Valparaiso every
2h hours. The present through steel
mill car will leave Valparaiso at $50
a. m. being due in Gary at $50 a. m.
The limited will leave Gary mills at
$40 p. m. being due at Valparaiso at
700 p. m. Other Gary Valparaiso cars
will depart from Eleventh avenue and
Broadway every two hours-every odd
hour.
Completes with RAILWAY.
Heretofore Valparaiso employees of
the steel mills had to pay another fare
after they got or the car at Eleventh
avenue. The Pennsylvania road
the worker Is taxed 10 cents a day ex-
ira for carfare. The interurban is do
ing the work for $500.
Escape From High Rents.
One of the chief advantages of the
new direct service will be chance for
steel workers to escape from the ex-
orbitant rents charged by many Gary
landlords. A decent steamheated fiat
of 8 rooms in Gary costs $29, rooms
$3.50 and five rooms s45 to $50. Rents
can be procured for 1-3 to IL this sum
in Valparaiso.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
CHURCH NOTICES.


Services at IL o'clock In the Masonic
temple IN Muenich court
Morning services at 1880 a. m.
Sunday school meets Immediately at
ter 1.-The morning services
A testimonial meeting Is held ON
Wednesday evening, at o'clock
Christian Science reading room 10
maintained by this society in room No.
81, Rimbach building, where the Bible
and authorized Christian Science liter
ature may be found Visitors are well
come.
A most cordial Invitation IL extended
to all.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
KIRBY WITNESS GONE:
SOUGHT FOR PERJURY
Authorities Seek Roger De
Coverly, Who Admitted
Falsehoods.

Futile efforts were made yesterday
by government officers to locate Roger
Decoverly, witness in the sensat ional
Kirby case IN Federal Judge K. NJ
Lands court, who is sought on a war
rant charging perjury.
The hunt for Decoverly. who with
his wife. Pearl, ran a rooming-house at
ITO South Michigan avenue, head
quarters of the wire tappers" claimed
by DR.. William T. Kirby to have fleece
ed him out of $4,000. thereby wreck
Ing his private bank, started after
Judge Lands had characterized the de-
Tense as Tissue of lies" and ordered
District Attorney James HI. Wilkerson
to investigate.
Last Heard of In Gary.
The district attorney conferred yes
terday with Edward Healy and Michae
kesas, attorneys for the creditors OF
the defunct bank, regarding evidence
introduced in the trial He will la,
before the federal grand jury the evi
dence which Judge Landist character.
ICED as constituting a "frame-up."
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
TRAIN CUTS OFF
BRAKEMAN'S LEGS

T. A. Collier, Fort Wayne, Ind, a
brakeman for the Fort Wayne road,
was run over and probably fatally In
jured by an eastbound passenger train
at Fifty-seventh street and the Penn
sylvania tracks yesterday.
His legs were cut off and he suffered
internal injuries. He was taken TIC
ST. Bernard's- hospital by the Hyde
Park police.
Collier had alighted from a freight
train and was crossing the tracks when
he was struck by the train.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

Zion German Nj. e. Church, 202 True
man avenue. Residence. 2o4 Truman
avenue.
Rev. F. Karnopp. minister. Phone
1193M.
Sunday school at $40 a m
William Lau, superintendent
Preaching service at 1890 a. m.
Epworth League at Z D. m.
Evening church service at 1880 D. m.
Choir practice, Friday evening. D. m.
Saturday at $3.50 a. m, German school
for all German speaking children.
Our German-speaking friends are es-
pecially invited
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

Special attention will be given by the
grand jury to actions of lawyers for
the kirbys in the case. Judge Lands
scathingly denounced the attorneys for
the defense and charged them. with
having been responsible for the
s'frame-up." At the same time he ord
cred DIR. Kirby and his wife to be held
until they turn over to the receivers
$780, 900 which Kirby is alleged to have
lost to the wire tappers." The banker
and his wife were released from Gus
tody on bonds pending an appeal.
Decovery, the first witness to be
made the subject of perjury proceed
ings, is chauffeur. He admitted hav-
ing testified to fa1sehoods In the
course of the trial. He also admitted
that he was an ex-convict. He was
last heard of in Gary.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
BELIEVE
Man TO Be
DEMENTED

The family of Joseph KIemonski was
sleeping in the home at Fourth ave-
nue. and Chicago street, Tolleston, early
this morning. About las the large
plate glass window in the parlor was
smashed in, and as the Klemoniskis
woke up they saw a stranger crawling
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
GARY THIEVES
STEAL SCALES

John Lieberman, Twenty ave-
nue. and Broadway. has reported to the
Gary police that thieves stole weigh
ing machine in front of his store.
The machine was a Taylor scale. No.
1896. 1t is expected that the device
will be offered for sale by the thieves
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

Floyd II. Adams. pastor; residences
15 Williams street. Phone 1871.
Sunday services.
Morning worship at 1890 a. m.
Sermon by the pastor. Subject: Tho
Lambs of the Flock
Sunday school at 11:15 a. m
Mems chorus rehearsal at 2:30.
East Hammond mission at 2:30 p. m.
Baptist Young Peoples Union at $3.50
p. m.
Evangelistic service at 1880. Sermon
by the pastor. Subject: "Hammond's
Greatest Sin and Hammond Greatest
Safety Music by orchestra and
chorus choir.
Services during the week:
Revival meeting every night at 1880.
Preaching by Rev. NJ p -Boynton. ID. d..
of Chicago. Inspiring music.
All kinds of people receive the same
kind of welcome.
One block south of postoffce, 100
steps east OF Nickel Plate station.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11


The First Methodist Episcopal
ehur~h. Russell street
Rev. Frank o. Fralev. pastor.
Sunday School at s:45 a. m. DR.. w.
Mayes Martin. superintendent.
Morning hour of worship, 1876. Ser
mon by the Rev. w w. Theobald. menu
Der of the Illinois conference. Blooms
ington. Ill.
Junior League at 2:3o p. m.
Epworth League service at $50
a. m.
Evening service at 1880 p. m.
Subject: "On the Jericho Road
Week day meetings.:
Tuesday, 2:30 p. m. the Woman's
Foreign Missionary society, residence OF
Mrs. Beach, Russell street
Prayer meeting. Wednesday evening.
1880 p. m.
Choir rehearsal Thursday evening at
1880 p. M; also the Knights of Methoo-
ism.
Friday evening, $50 p. m. the Ep-
worth League excursion to Whiting To
attend Methodist revival meeting.
welcome is extended to all.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
First spiritualist Society.

The First Spiritualist society OF Ham,
mond will meet Sunday evening at 1890
o'clock at Weis' hall. 80 State street.
All are invited to attend the services.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
Christian Church, Calumet


and Summer street. Phone SIS.
c. J. Sharp. minister, $40 summer
street. Phon 1045J.
Bible school at $50 a. m.
Communion and preaching service NJ
IL a. m.
Special meetings al p. m
Christian Endeavor meeting at $50
p. m.
Garfield club Monday eve, D. m.
Choir rehearsal Tuesday eve
Deboral society Wednesday
General church council meeting We'd
nesday eve. to g.
Martha society meeting Thursday.
Workers Training class Thursday
eve
Missionary society Friday afternoon:
last Friday of each month.
All are most cordially welcome to
attend any and all services.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
st. Paula Lutheran church, SIS Clin-

ton street.
Rev. Theodore Claus, pastor.
German service at 1000 a m.
Installation of newly elected officers.
English Sunday school at 80 p. m
English service at 80 p. m.
st. PauIs Lutheran League Thursday
at p. m.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

You will say that a La Vendor cigar
cannot be beat. IL you try one.-Adv.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

La Vendor cigars are pronounced ex-
ceptionally good by all smokers-Adv,
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

USED THINGS THAT YOU DON'T
WANT CAN BE SOLD IF YOU AD-
VERTISE IN THE TIMES.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
First Presbyterian Church. soutl

Ftrst presbyterian Church. South
Holman street.
Rev. A. w. Hoffman. pastor
Sunday school at e.45 a. M
Morning service at 10:45 a. m
Subject: Reversing Our Lives
Christian Endeavor at $40 D. m.
Miss Burhans, leader
Evening service at 1880 p. M
Ladies' Aid society. Wednesday,
p. m.
Prayer meeting, Wednesday, T:f5
p. m.
Social club. Thursday. s D. m.
Communion service. Sunday, jan -.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

St. Pnul's Episcopal church, Al RIM
bach avenue.
Rev. Charles Albert Smith. rector.
Phone SS6-W.
First Sunday after Epiphany.
Holy communion at o'clock.
Morning prayer and sermon at 1o:45
am.
Evensong at 1880 p. m.
Sunday school at $3.50 a. m
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
GARY NEGRO MUST
REMAIN IN PRISON

scont,nued from pax. l.,
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
Evangelical Immanuel Church, sibley

EvangeIfcnI ImmanueI Church, SibIey
street
NJ c. Hoefer. pastor: residence. $50
Sibley street. Phone 11s5-W.
Sunday, Jan. IL:
Divine worship and holy communion
at 10 a. M
Bible school at p. m
Mems Benevolent society meets
Wednesday, 1880 p
Choir rehearsal Thursday 500 p. m
A cordial invitation to both young
and old is also extended to attend this
celebration.
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11
NEW THROUGH
SERVICE TWIXT
VALPO AND GARY

CONTINUED from PAGE ono,
The Lake County times. [volume] (Hammond, Ind.) 1906-1933, 1913-01-11

ARE you A TIMES READERs
The Arvada enterprise., 1913-02-20
Unpicked Grapes Go to the Poor.

1873, has been used to sentence the
owner of a vineyard at Capestang
near Beziers, France, to a fine and
costs for picking her own grapes. She
was picking the grapes which had been
left on the vines in her vineyard after
the fall gathering, when the policeman
told her that she was committing an
offense against the law, as all grapes
left on the vines after the harvest
were the property of the poor. The
court at Beziers confirmed the police,
mans opinion, and the woman was
convicted.
The Arvada enterprise., 1913-02-20
Ceylon Tea.

Tea plantations in Ceylon have been
In existence only 80 years, yet the an
nual exports Of black tea amount to
nearly $2O,OOO,OOO in value. Formerly
coffee constituted Ceylon's main in
dustry but after disease of the plant
In 1880 its cultivation was discontin-
ued. Many planters, however, re-
couped themselves by tea and rubber.
Thanks chiefly to the former article,
the islands old prosperity revived. To-
day Ceylon boasts 1900 plantations.
Plant necessary to tea cultivation Is
costly, but very labor-saving. The
work itself is not hard; only the eli
mate makes it irksome. What IS
wanted mainly of employees is to
watch machinery and feed it from the
stock of tea leaves awaiting treat
ment. The workers are not Sing
halese, but natives of southern India.
A laborers wages vary from eight to
sixteen cents a day, while foreman's
salary averages 5000 a month.-Har
pers Weekly.
The Arvada enterprise., 1913-02-20
LARGE FLY IN THE OINTMENT
Successful Candidate Should Aayo
Been Happy but There Were
Reasons Why He Was Not. .

Il suppose you're very happy, now
that you're elected mayor?"
We'll, l cant say that am. I
thought I would be, but it hasn't work
ed out that way"
But you got such splendid vote.
It ought to make you feel happy to
think the people have such confidence
In you"
That Is cheering, of course. 1t Is
fine to know that the majority OF the
people believe in you. Still, I'm not
altogether contented."
Il can't understand 1t at all. Here
you've been elected to the highest
honor in the community; you have
splendid opportunities to do good
work; you may graduate from this po-
sition to broader service In the state,
and possibly from the state to the
nation. You ought to be happy if any
one is"
Il know It But I'm not. The fact
Is l am up against 1t. l have four
political managers who did splendid
service for me, and each one demands
the same job."-Detroit Free Press.
The Arvada enterprise., 1913-02-20
HOW TO TELL FORTUNES
One Formula Can Be Made to Fit Almost
Everybody.

The way to toll peoples fortunes is to have
one list Of characteristics and to use It for every
ono without the slightest variation. II is bound
TO succeed. For instance supposing Fastaf and
Hamlet had their fortunes told by the same
soothsayor ! imagine he would have told Ham
let's character as follows. Maurice Barring writes
I'm tho metropolitan:
You are not SO fortunate as you seem. You
have q great deal Of sense. but more sense than
knowledge You can give admirable advice to
other people Your Judgment is excellent as re-
CARDS others. but bad regards yourself You
never value your own good advice. You are
fond of your friends You prefer talk to action.
You suffer from iudccision You fond OF the
stage You are susceptible to female beauty.
You are witty aminble and we'll educated. but
YOU Ike coarse jokes You are superstitious and
You often pretend TO be more foolish than you
are Al other times you VIII surprise people by
your power OF apt rcpartcc Your bano win be
your inclination to fat which viii hamper you in
lighting You are unsuccessful as soldier but
uurivaod us a companion and philosopher. You
will mix In high society. have friends M court
You will come on badly IN personal encounter
and your final enemy will be king
Now imagine him saying exactly the same
thing to FalstaT Doesn't It NJ him just ms wcll'
Can't YOU imagine FalstaT saying. Gle has hit
mo IN TO o. r." and Hamlet murmuriDg My
prophetic soul" In fact | believe fortune tell
ing after that OF medicine TO be the finest pro
fession IN the world and the easiest
The Arvada enterprise., 1913-02-20

monument and beyond the limitations Of the
original inadequate foundation. To what eX-
tent the resting place of the shaft was expanded
may be surmiscd from the fact that the original
foundation had an area Of only 6,4OO square feet
whereas the enlarged foundation covered 10000
square feet in addition to being of better mate
rial Indeed the new footing of monolithic con
crete is in effect a single block of solid stone.
with the now foundation in place the erection
Of the shaft went on apaCe and the task was
finally completed In December 1854 the dedCa-
The Arvada enterprise., 1913-02-20

carved stone such as originally appeared in the
representations OF state seals or coats-of-arms,
and almost every Of these details is missing.
The nations monument, which is vast in
size that an army of twelve thousand men might
be comfortably housed in its interior, weighs
more than eighty-one thousand tons. Engineers
declare that it is one OF the very few actually
and absolutely fireproof structures in the United
States and although cracks have from time to
time appeared in the walls it is the popular be-
lief that nothing short of a earthquake
could destroy the shaft. It has been repeatedly
struck by lightning and such visitatiOns have no
terrors for the obelisk thanks to the forethought
Of the builders in providing an ingenious system
Of electric conductors The keynote of the
scheme is found in a small pyramid of aluminium
weighing about one hundred ounces, which
crowns the Capstone OF the monument This
metal headpiece is connected with rods that de
sCend six hundred feet to a well sunk TO a
siderable depth below the level OF the earth
The monument has been visited by many as
five electric bolts within interval OF twenty
minutes but the worst damage ever done was
the cracking of one of the stones the top
The shaft that rises from the gentle slope
between the White House and the Potomac cost
the nation about sI,3OOOOO nearly 100000 hav-
ing been expended upon the new foundation
alone. The present upkeep OF the monument in
wolves no great expense The elevator which car
ries to the top of the monument those visitors
who do not care to climb the 900 steps makes
trip every half hour (althouEh but seven minutes
is required for the ascent OF 500 fect. and
will accommodate thirty persons Looking out
from the windows at the top Of the monument,
5l7 feet above ground the visitors behold a won
dorful panorama extending fifteen to twenty
miles In every direction. on clear days II is
sometimes possible to discern the Blue Ridge
mountains sixty miles away
The Arvada enterprise., 1913-02-20

Compound and 1 purchased a bottle.
Before it was gone the bloating left me
and Twas not so sore. l continued TAX
ing it until had taken twelve bottles.
Now l am stronger than l have been for
years and can do all my work, even the
washing. Your medicine is worth its
weight in gold. I cannot praise it
enough. If more women would take
your medicine there would be more
healthy women. You may use this let
ter for the good of others. Mrs. D.
H. BROWN, 500 N.Walnut St., lola, Kan.
Change of Life is one of the most
critical periods of woman's existence.
Women everywhere should remember
that there is no other remedy known to
so successfully carry women through
this trying period as Lydia E. Pinkham's
Vegetable Compound.
II you want special advice write to
Lydia E. Pinkham Medicine Co. Conf.
dentiaD Lynn, Mass. Your letter will
be opened, read and answered by a
woman and held in strict confidence.
The Arvada enterprise., 1913-02-20
HOW mrs. BROWN
SUFFERED
During Change of Life-How
Lydia E. Pinkham's Vege-
table Compound Made
Her a Well Woman.
lola, Kansas. During the Change
of Life was sick for two years. Be-

fore l took your med
icine l could not
bear the weight Of
my clothes and was
bloated very badly.
Idoctored with three
doctors but they did
me no good. They
said nature mus t
have its way. My
sister advised me to
take Lydia E. Pink
hams UapotohI.
The Arvada enterprise., 1913-02-20
Likely to Know.

Youth-Can you tell me which is Mr. Pom
souby?
Lady-The man with the gray hair talking to
those ladies over there. | am Mr.. Ponsonbys g
wife.
Youth know you are that's why asked you.
a | Thought You'd be sure to know.-Punch
The Arvada enterprise., 1913-02-20
sollcItude.

Il feel very uneasy. it's pouring with rain and
my wife went out without m umbrella"
no doubt she'll take refuge in shop some.
where
Yes: that's Just what's worrying me so."-Pele
Nele.
The Arvada enterprise., 1913-02-20
Sure of One Thinq.

81 tell you, the man is a dipsoman-
lac"
There, l knew he was something
dippy."
The Arvada enterprise., 1913-02-20
a Serious One

Il understand our Micawber friend had nn
operation performed Was It serious"
Very serious. He had prospective Job cut
out OF his minds eye"
The Arvada enterprise., 1913-02-20

BE happy. Use Red Cross Bag Blue
much better than liquid blue. Delights
the laundress. All grocers. Adv.
The Arvada enterprise., 1913-02-20

Dr.Plerce's Pleasant Pellets regulate and invig-
crate stomach ,livera and bowels. Sugarcoated,
tiny granules. Easy to take candy. Adv.
The Arvada enterprise., 1913-02-20
Extremes Meetinu,

What makes your husband so mis-
cradle today"
"a joy ride yesterday"
The Arvada enterprise., 1913-02-20

1t is the size of a mans heart that
counts, not the size of his head.
The Arvada enterprise., 1913-02-20

Howe-I understand your friend
Bangs recently led a charming widow
to the matrimonial altar.
Wise-I don't know about that
I'm inclined to think she pushed him
there.
The Arvada enterprise., 1913-02-20

PILES CURED IN TO IA DAYS
Your druggist will refund money If PAZO ONT
MENH tatls to cure any case of Itching, Blind,
Bleeding or PrUtruding Piles in 10 Il days. sc.
The Arvada enterprise., 1913-02-20

There is nothing a man will do
with so little encouragement as fish
Ing.
The Arvada enterprise., 1913-02-20

tion of the completed monument TAX
ing place in the following February
the month that holds the anniversary
of Washingtons birthday. The Wash
ington national monument is, in hori-
Zontal section, a square within
square, whereas the structure might
be described as an iron tower within
marble tower, the former being Sc
curely fastened to the latter by
means. Of iron, which takes the form
of a staircase that may be used by
visitors who do not prefer to patron
ize the elevator.
The walls of the monument, which
are fifteen feet in thickness at the
base and decrease to thickness of
only eighteen inches at the top, com
prise a grand total of twenty-three
thousand stones. many of these
stones having been contributed by
states of the Union, by foreign pow
ers and by municipal, civic and other
organizations. There are, all told,
about one hundred and seventysiX
carved memorials of stone and mar
BILE embedded in the walls, but such
testimonials could not, from the very
character of the structure, be effec-
tually guarded after the monument
was completed and more than one
fourth of the total number have been
more or less marred and damaged by
vandals and relic hunters. An espe-
Cial target for such souvenir hunting
In, hn nippng nj
The Arvada enterprise., 1913-02-20

There are some good fish in every
sea.