The Republican. [volume] (Oakland, Md.) 1877-current, 1915-01-21

- 60. CO. Of providing for
-. the home which
can never be
properly answered until We realize
that provide" is a 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 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 ard 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 rs
just 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
tify,aN. IF pnon, En-, 4l, I,,,v ,-.I,.,. Ed
may wage war against US. being ready
for amy sudden storm Of sorrow. trial.
affection. 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
afford to set aside monthly or weekly
regular stated sum from the family
income it should be reserved religious
~. 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
ut later date.
Saving does not imply penuriousness
in the home life, but just wise watch
fulness against the tyranny of the un-
necessary, guarding against the little
eakages in home expenses and pitch
ing the key of living in proper haI-
mony with the incoming funds.
No amount of money spent on little
luXuries for the wife. no unbroken rec
ord for Saturday boxes of candy, no
loyal Observance of birthdays and
other red letter days on the calendar
Of love. no acts of thOughtfulness nor
graceful attentions nor easy going
liberality in household expenses. can
ever compensate for the treason to love
implied III forsaking the duty of in
Suiance.
The husbands square, inevitable
duty is to insure his life if he can pos
Sibiy meet his premiums The amount
Of his policy should be as large as he
ran 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 s. 900 policies
on their lives.
Wives are often afflicted with Il
strange hesitancy. an oversensitivc deli
cacy in broaching the subject of in
surance to their unspeaking husbands.
They fear that the suggestion might
De miSinterpreted. that they might be
deemed mercenary or some other wild
iy improbable thing, so in a really
cowardly way. that thraWs into eclipse
Their own rights and their duty to
Win, children, they suffer in silence
sideratiT, feel is Il slight of loves con
on the subiG;heir simplest expression
alarm clock on tGbt have acted as an
0ping conscience