Five Mile Beach weekly journal., 1914-03-20

can be
properly answered until we realize
that provide is a verb we must learn
to conjugate in two t-enses-present
and future.
There is in our American life too Of
ten a blind optimism in living up to
an income. In assuming that because
the sun of prosperity shines warmly
today there is no need of providing
umbrellas for a possibly rainy tomor-
row. Those who wisely live within
an income rarely have to face the
problem of trying to live without one.
There are two simple guarantees
against future poverty and dependence
on others, two great safeguards for
home and family-a bank book and an
insurance policy. They represent the
material defense of the home. a bull
wark of loves forethought standing
strong and firm in the hour of need.
Providing for those nearest and deaf
est to us Is no special virtue for which
we should receive a gold medal and
a halo. 1t should not be construed rs
just a duty. 1t is greater and bigger
and sweeter than duty. 1t is a privi
lege that is ours alone.
Financial independence can be Sc
cured by most men only by hard. care
full saving. 1t means preparing In
times of peace for the hour when fate
may wage wal against us. being ready
for any sudden storm of sorrow, trial.
affection. accident or adversely and
holding poverty for a time sat bay in
trying hours when the individual Is
unable to stand bravely between his
loved ones and the world.
Saving means wise economy. careful
planning. thoughtful management and
prudent forethought in handling the
home funds. be they large or small.
If met in the proper spirit it brings
husband and wife into closer harmony,
more loving cooperation and deeper
recognition of mutual ~helpfulness.
The wife. too. then becomes a money
Garner, but in the sweet atmosphere
of her home. where she belongs. She
is practically earning money by her
wise economy and her wise saving.
The savings bank is the best and most
practical way of keeping together
small amounts of money, for 1t is safe,
conservative. pays interest and is
available when it becomes necessary
to call on this reserve.
Systematic thrift will accomplish
more than spurts and spasms of say
ing. If the members Of the home
finance committee decide that they car
afford to set aside monthly or weekly
a regular stated sum from the family
income it should be reserved religious
ly. This surplus should be considered
as not really belonging to them at the
time. but merely as part of a little for
tune they are preparing to come into
at a later date.
Saving does not imply pe~nuriousness
in the home life, but just wise watch
fulness against the tyranny of the un
necessary, guarding against the little
leakages in home expenses and pitch
ing the key of living in proper har
mony with the incoming funds.
No amount of money spent on little
Injuries for the wife, nc unbroken rec
ord for Saturday boxes of candy. nc
loyal observance of birthdays and
other red letter days on the calendar
of love, no acts of thoughtfulness MOI
graceful attentions nor easy going
liberality in household expenses, car
ever compensate for the treason to love
implied in forsaking the duty of in
surance.
The husbands square. inevitable
duty is to insure his life if he can pos
sibly meet his premiums. The amount
of his policy should be as large as he
can afford. with due recognition of his
resources and his other responsibilities
Many men who carry $4,000 fire in
surance policies on their stores or fac
tories have only $1,000 or 5000 policie:
on their lives.
Wives are often afflicted with I
strange hesitancy. an oversensitive deli
cacy in b%roaching the subject of in
surance TO their unspeaking husbands
They fear that the suggestion nigh
be misinterpreted. that they might b.
deemed mercenary or some other wild
ly improbable thing. so in a really
cowardly way. that throws into ECLIPSE
their own rights and their duty Il
their children, they suffer il silence
what they feel is a slight of loNe's con
sideration. Their simplest 'eSfressim
on the subject might have acfsd ~ ~
alarm clock on the sleeping ciass4enc'