News and citizen. [volume] (Morrisville, Vt. ;) 1881-current, 1914-06-17

Y Is the question
of providing fol-
nsrds the home which
can never be
properly answered until we realize
that 'provide' is verb we must learn
to conjugate in two tenses-present
and future.
There is in our American life too Of
ten IL 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 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 dear
est to us is no special virtue for which
we should receive a gold medal and
halo. 1t should not be construed as
just duty. 1t is greater and bigger
and sweeter than duty. 1t is 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 war against US, being ready
for any sudden storm of sorrow. trial,
affliction, accident or adversely and
holding poverty for a time at 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 it 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 saw
ing. If the members of the home |
finance committee decide that they can |
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 little for
tune they are preparing to come into
at later date.
Saving does not imply penuriousness
in the home life, but just wise watch
fulness against the tyranny of the I'M
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
uxuries for the wife, no unbroken rec
ord for Saturday boxes of candy. no
oyal observance of birthdays and
)ther red letter days on the calendar
Of love, no acts of thoughtfulness nor
graceful attentions nor easy going
iberality in household expenses, can
,ver compensate for the treason to love
implied in forsaking the duty of in
surance
The husbands square. inevitable
luty is to insure his life if he can pos
IDLY meet his premiums. The amount
# his policy should be as large as he
an afford, with due recognition of his ,
and his other responsibilities.
'Gany men who carry $4,000 fire in
urance policies on their stores or fac
cries have only $1,000 or 5000 policies :
IN their lives. :
Wives are often afflicted with a $
strange hesitancy. an oversensitive deli I
acy i'm broaching the subject of in /
nrance to their unspeaking husbands. /
hey fear that the suggestion might
e misinterpreted. that they might be s
eemed mercenary or some other wild r
? improbable thing. so in a really {
owar1iy way. that throws into eclipse {
heir own rights and their duty to n
heir children. they suffer in silence Il
hat they feel is a slight of loves con- D
Iteration. Their simplest expression Il
the suhiert might have acted as an o
arm clock Oh the sleeping conscience n