davidaulloa/AmericanStories huggingface dataset:
Decorah-posten og ved arnen., 1916-02-01

flaaoc, lom allerebe til npite Saar
pil bc9pnoc at befare Nisiisiipp;flo.
Den mcllcm Nem Orleans OF Min-
ncapolis. Ser bill ialt iUttcs SO al
oisle flaobluloeoc Stoulpronntc
igana, bier paa 1,400 Cons. Som
Iripfruft pil beauties 0asoIine-Wto-
torer, % iom @epis for, at bette life
lGnacr CT iloget fanllenoc Grpcri-
mcrt, fan unfcrcs, at bper Saao or
l,oItprct mco Npparoter for traablss
Sclegrdfering, Tor at man laila5 Tlo-
Den - % iiTr 0a inuoannc, Der be-
latter Jig neo gfifibning al ole
SlugS Erooufter - ultio fan pi0e
neiogtig bpao Wnrfcospriicrnc or,
raar @aaoen inotager Sragten. Ger
foriloiiaes, at Ell I'M Sio oil oprinbc
for Wisiisiippioalen, mar benne
Sanoelsflaaoe, iom peb SEEM Or
leans itnar / oireftc Torbinoelie meo
loapcl NEUTRALITY-SUSPICIOUS. iom aien-
mem Eannmnfnnalen meo Stiueba-
BET, fomnler / fulo Gang.
Iuroet peo Barron. Som fer
fortelig nlelOt blep Sberiff Mott.
Slion al Barron Gplntp forleoet
ifllot o0 oiebliffelig brpbt al Sor-
meren @en5el @aranef, bpem ser
rar llolteOt 9lrreitorbre MOB for Sp.
pcri. @aroncf mcttcs at hape itiaa-
LET Ell Sole, pe Sberiff Slion itpb
1lctpp / @egreb mcb at trGrge inb /
Stoloen for at ie eiter oct pntpiIteoe
Chr, ga Wtanoen ira set nHrliggenoe
Taaningsbns oiipreOe set Stlb, Ser
orGbte Slion paa Sleffen. Sberiii
Slicn bar meget ofbolot, og set an-
fees iom ct ltnocr, at Den forbitreoe
NpIfclnosie funbe binbreS / at lpndc
bans Wtprocr. %nronef hapbe efter
Norbrpoclien tagct i'm Salnilie no /
Stalocll, bpor ban inn bupbe forlfan-
Jet Jig, men set 'l~pfteoes tillioit Sc
$50 Wtano, Der bapoe omringet
Stcoet, at fna bonn opertalt til at
o%pergipc fig fripiaig. s Den ~iterite
&ait blep Nallgcn iaa brdgt til Bar
ron, % fcr Sen iorbitrcbe Solfcmas-
lc fit nricntcrct ii9, bar ban bel for
porct / Snngilet. Man frp9teoe en-
Sio for, at Der piloe blipe 9iort Sor-
ipa pnn at itcrme SGngilet, men
SoIf fattcoe liz mart % inoioa Oct
encite ri9tigc / at lnbe 2open babe
lin Gang. Sbcriii Matt. Slion3
@corapclic fanbt ocn 27be San. StcS
/ Yruirie Narnl, boor hans Siem
hopoe pprct ier ban ~inopnlgtes / lit
Gnlbcoe. Smtrent ianltioiG blep 80
rancf gipct ct forelebi9t Sorber o9
@ebonolingcu al bans SaN bcitentt
til Hctstermincn / Woi. Woroeren
err 80 Mar 1nnlnlel og bar $,u'tril pg
Ter |prn. Sans Tnrm bar for flerc
Nar iioen Sfllcploblcn Tor Ell anocil
% c,b irpgtcliaerc Sr%aNeoie, ioet eli
Chris &aniou brGbte i'm Sliltril pg
Sottcr % oerpua Jig ielu.
Decorah-posten og ved arnen., 1916-02-01
VrtcortdD Den StorcS
tire StjcrmctDocrc.

s Iaret 1853 ienbte oen tprfiife
Silltan ct @eionotifab til Berlin
for beitioelig at befrGfte Sorbunoet
nleo Treilsl erfongen.
8cIanotifabet bcitpo al Nhmct Gi-
fenoi % 20 andre beiltaaelOe Ser
iorer. &c bragtc nneo Jig rige @a-
Der oa &aaben, Scite % foitbare
8epanoter.
Sultnnen lenDte Sllo, at ipn %e-
bcrlag Tor DC toitbarc 0aper, piloc
ban gicrlle iaa Jig tilicuot De Sticr-
l%tctpocre, lonl ueO lin Sisoom bauoc
billpet Sriebrid) til at pinoc iaa
mango glimrenbe Seire.
&pnaen ienote oct Spar, at oct
OesuGrre par bom unniligt at eiter-
fonlme Sultanens Gnifc. Sans
Sticrnctpoere bar nenllig Sprcn
&rigsIfottcn og &ongcns intintc
Decorah-posten og ved arnen., 1916-02-01
Tprtaitc bpao Der bGnotc.

maaife erimore", itriper 0trs. Sole
pbine Sobnion ira Gutter, @aib.,
"nt Se for ire Iar iioen ienote Ell
&asie 9llrifo for mig iii Horge.
Sennc aasie bar iii min MoDer, iom
/ mango Ndr bnpbc liot al Mapefa-
tarrb % bapbe pGrct unoer @ebano-
ling al flere 2Gger uben at iaa noaen
SiGlp. Spao tror Sc bGnbte? ga
bln bapbe brilet op Meoicinen, iom
par / &asien, felte bun iie iaa iriif
% raft, Jon ba bun bar eli rna Eigc.
Seq bar iii nplig hapt ct @rcp ira
min .saoer ogiad. Son or pco oaar.
lig Selbreb, % SG9erne bar nctop
iortalt BAN, at hans ellcitc Saab Iig.
ger / Ell operation. &an bcoer mig
icnoe bain oeiaa eli 9asic aurifo,
ba ban tror, Den bill belbreoe ham,
bpis han faar oen itioe. @ehag ino-
lagt at finoe &cmisie iom @etaline
for Ell anben aasie aurifo, iom en-
ifes icnbt til Sr. Sbos. q. &~pilhaMa,
S%fuocsnGs, Stapanecr Nn,t, Nor.
&c"
Suiinbcr har ilrnbct Sclbreb %
Stprfe / bette eamle llrtemiooel,
ielp eiter at andre 9%ebonbIinscr til.
ipneIabenoe bar Iaact fell. Snscn
Ipotbefermeoicin. Zen iaaes oircf.
te ira 9~aboratoriet. Sfrip til Tr.
Setter Sabrnep & Cons 60. 1876
90. &pnne slpc.. Chicago, 81.
aienoitab iii Sen europGilfe 20.
Iitif.
Decorah-posten og ved arnen., 1916-02-01
Emu Hukrtn.

Nuf CT Snc'turm. SEQ Sinur
sails iuotrui not Ct Sncialo Nat til
21hc San, % en- bcitie %ino m
NorNpcit hobcoc Sen bcrpua ionnnlcn
til pGIoi9c SfnpIcr. iamtioig ION
Spifielpct iNlcn rob nlbcr 3cro.
ScrrbanctoNenc uor mcact foriinfebc
/ Dc ilcilc ScIc Al Statcn. Sra Vtit
d,cu melbtc2 20 Grader unbcr 3cro.
SanS Tor $50 Ncres Sumcitcab.
sra NEUTRALITY-SUSPICIOUS. / @nih-
inatou er iorriNe llgc iiogoaet ocll
Nclfco. al over l,365,00O Ncrca
%aub / &cabc. BENNINGTON % Sllttt
Soumtner or t~la3lirccrct iprn iaooant.
Scr life tan irriacrca, % bpora' Der
iii hpcrt Npmcitcao mcbannr $40
NcrcS. Senuc itorc StrTfnina or
life belt / Siicntliabcoens Gle, ioet
cnbcl alercoc or optaact icm 100
Ncrc1 Nomc'tcnb2. % mango AZ SlS'c
Hnbpdacrc bar duielt ON nt fou ta0c
i60 NcrcS mere. iaa sc tilniioc fan
ubnpttc i'm Net. Settle Sprrasnldol
or clSmn life ~niaiort, men Der or
MANGO ION bar "iiIco" sc iaafalott
preference right applications. Sci
Sano, Tom enbmu er mbehc'tet, nil
bIlpe aablet Tor Gntrp ieritfommen.
Dc 1Ooc Warts, altiaa / &ome'tcuos
al 800 IcrcS hper. Spr ole ilrr.
mere S%plpanIn9er ON bette 9anb er
Sanolsacrc anmoecNc ON at herluen.
DC liz munotIis cler ifriitlig til
Decorah-posten og ved arnen., 1916-02-01
9llinnta.
Turmmem nninfeoc.

NurWNCH MlHItpt. VII VVpiSS
Sulpcitcr, Scr ira Chisholm, Vtinn.,
par rciit en- 2nittur til Chicago, fif
llnbcr SpholDct Ger Den flpNtiae Soc
at icrciperac iia hos ell G%iuirponont
clcr Spadfpinoc pco Napn NINA
See, ON Der par liogen lloiigt til, at
hans hurti9 'pilocnOc Norrllc al
Sal paa no9cn 0iaabe funoe fors'
ocs. Nn Spnofrinoen GAP bont no
act Suob ON ell iorpgct Nlgoom,
mclbcs life llogct ON, men / %irtc-
liabcbcn iaa ifrllmpcbc DC Sal | oc't
@rab iamncn nnbcr @eIeGet | Ians
o~euerbcncn % Srcmtioen, at Splpe-
tier ianbt iia beiciet I'll at al1tla9e
apilbcn for Sppcrt.
Decorah-posten og ved arnen., 1916-02-01

QlToes Dopoc OGrcf 1e9f e1fer Dan
peo SiGlp al Sporbul0c % ole al
ore Niioler, Ser itoo iii Taaoiaheo
San ur liolt icet balpanben Dill
%ci / noroeit, ,pr Hocf Nipcr. Wr
aellp bar / llogeli Sib pGrct ipgelig
og ban ontngcs at bdpe pRret | Bill
bclic, ga ban iorIoo tit Stem. Sal
cr Ell al Hoef Goitltps Fioneerer %
bar / mango Nar inbebapt lit I'm,
beoc.
Gr bpO / oct iicrnc Turo. 10. >
SnAcr, &~leOhun0lcr / Horth Won
toto, ior'pnnot Tor 10 9lor liocn poe
Ell inpliilt Wnnoc, % bans Sultrit
oQ II Nprn ilptte0c fort otter til
Wtinncnpolia. st telegram ira 0ci
cdno0i'ic YolitipUicn / N>ntbc, glltu.,
mcl0cr M, al NoQcn 0anlfc nlcllc CT
oild0ct uco Seocn / lin Suite pou
Den Claim. ban hnpoc tn1ct. Solr
par nlcrchc libitc Neit blcpcn lam.
met pco ct SIogtiiiTloc oN moottc
libc pna mc0libcnbc Solta &iTlp.
"a ban fnrlo0 Minlfato h0phc ban
to0ct Nulu6clcn al &c TcngC, han
bnp0c itonclbc / Ndntcn, opcrlnocn+
DC ocn au0Cn Nalp6cl til lin &u'trl.
Tnmot lit %arn inn yia. Sprffct
pCo Wrip % NattcnonNcn crbolot
Nfr~. :. G.linm / minneapolis inr-
lCocn MorNcn ct INT Slag, Der uT-
item bcrepc0c bcn0c Gnrltonocn. Sect
hiun iloIig om NorNcncn pnoNnco,
na ltiil0c ic til lit ire llgcr Nonllt
Born. Der lun / Ell Nogn fordn Zen.
QcIl, lan0tca hcttc ionl ct fol0t pO
itlpnct HiN. Barnet hopoc fIpntct
nc0 3(i0cn, OF WtnnoCn bar on
ltooct ~ on bnpbc ln0t Oct / eli mere
bcfucm Stiaing, lite 0lcnoc, at no
oct nlporliNt par pon'Troc. @loftcn
bar & OH WnrNcncn. "a Wobcrcn
1lnr0c ocn fn~rirrhcllNc S~p0oAcllc.
%rNcn crtITrcoc Goo9ooringen at
urrc HungcbctTnoclic.
Stor Nprbitrelic / Wura. 1T
mere enc ulnlinocliQt unlcnnclfcIiNt
Sperinlo poftc hen 21oc San. iao
oon Norbitrclic / Morn, at Nolf
itrenmcoc ianmncn iom on ieIpt
(nrfcn hopoc pTrct pnniprbc. Gn
lificnbt Wanb por truobt ino / Nonf-
prTiiocnt Wcor0c -. Ncpbcrt9
SEEM oq Der orcrioIot Wtiia Coma
9tcIion, ionl bar olcnc / Nuict. I'm
Ser Sen Stamp, ionn pauiulNtc. blcp
TiQcn bibruNt 'lcrc onbc Soor al ct
clcr nnoct 'tnrpt &nitrmlcnt, oA ci
fer at pTrc 'lnnet ontflllb pdn @ltI-
net pur ell cllcr olocn Sln0& @ilt
tpunNct ncb Oicnncn bcrbc3 Sails.
"a Torbrpbclicn opboOcbc9, blcu Ser
rinNct mes Nrnnofloffcn Tor at fol
sc Tolf ionrnlcn o9 npipore Torbrn-
bcrcn. Tcttc bar life lpttcoea, ga
NCrctnin1cn n~iIcnbtcS.
Snacn NGruc fpr Tnpir. Chen
/ europa %bcgpnote bar oct
idlot nonltcliNt at inbierc Sc Narne
%iiolic. ion Inn Spitlan0 innes at
tumtc ircnbrin0c. % M or ocnrc
Ntanlcl hcropcr blcpcn 'no ipIeliN.
at %toacn Tnpcr 60. / Wrono Ma
pib> bar mnnttct pphprc nlco Gil
pirfnin1 Al ole SloQa inrpct Enpir.
Nirnloa Eopiunnllcr /
Nopios nil hcrcitcr fln lcpc-
re hpiot Tnpir, men lllnffcn cr, Of
better life hcttc Trobutt turl tllpirtc>
belt fnlofnmmcnt u0cn (nitcn3
ga man MANAGER cll0cl AZ Sc
Ec~ntitulicr. huormcb bct blcNcs. Get
Enpir. iom life bar bcn ~iornpbnc
tn'tc lIllUtni1N, or atluatlQt, 90
Bette inrilorcr oen Wcrtclighco. 1t
Ser III. ilUr / Sen noroliQc Gel al
|iorcfonmcr lda mango Nla-
Sc. ser b%ogItuueliN tnIt cr Nirlc.
Decorah-posten og ved arnen., 1916-02-01
1trrH Gutrin.
&nmpcn nicnpptnocs. n.

&nmpcn nicipptnnc*. VI. ~. Sor'
lie a Wrnno Norf2 bar i0icn nlelbt
liz Tom Nonoinot ior Mtouor, %
Nanpcu pil aicnoptoNc@ mcllcm ham
M Sen mlpUrcnbc Manor Snmca
Siumic. &c bar ucnlliN hinanocu@
Mcbtnnoioatcr plian pcb lioitr
Nall.
&rlocr liz "SippcrnrH". Gle Mr..
uiN. en- al Stntcn@ mere bcficnott
uoritc MUub ~ ~ Wnlllc Ntcblcnt
Al @cNi2loturcL hnr polNt Naunet
}ippcrorn inr IT Stoppcitco. Tom
Wrcdt Northcrr %dncu nil nnlTanc
/ Sen norbpcitliNc Gel Al Cavalier
Gpllntn.
llmcnncifclin Nnocr. $ohu @roun,
en- Nnrncr pco Niforoton, cr pco
S%iitriftarcttcn I MonNan blcpel
Npnt iii ire Nor@ Stra'drhciNc Tor
N hduc Niort Sor'eA pnu at ltpoc %
orUbc lin tl.narige Son. On al
Mralna Srnncr bebc Tor 10 Mar
lioUn mlocr m~iatUntcliNc SmltTn
NiNhcocr. 90 monNc mcnic 81. at Den
uncmc'tcligc Snocr havoc orTbt lin
cAcn Scn.
%crrmt Hnuh mart fpripnnocn.
Gen ida ~bcticnoic Gliltcr Grail
Nnud). bclig0cnoc icr @tiI ~'onbcnior
Vtcbord ~ / mango Iar orcpct a.
Wtr. % Mrs. @cor1c SpnaloIon a.
Ntinncapolia. nil mart pUrc %icripnll.
Sen ionl iaaodn. ibct cnocl AZ DC not
ioa itorila9nc Nuic III ncoripca, Tn.
Ncl Al %uQninNcrnc ilnttca belle nco.
pucr Sen iShclaltc Nfi@'ouri'lph Tor
at iTitcS pa0 IN @rrmbuuir / Wc.
BORA.
Spp ipr NOR Suucn. @ecrnc
Cairns. ser fiertc Not o. Sront-
zoos mcIlem sort Start ~ Center
or iorlcNcn brGlot tilbpbc / en- Seic.
ilolb / ieritnrpnte IN. On Hat. 81
scr uor nlcr eno a~lminoclig folot.
hapoe hon / Staloeus &onfor trutfet
lin Scna belt % til Spnen. men me.
ocus han ion bar ScnaflGoerne Der.
pco blcpnc antGubtc. Stalbcn nco.
brrnotc. % iori,ocu Manecn Itrra
inn Ncite mco. Cairns par 80 Mar
aammcl. par maiit ca citcrloo llg
SlGginingc i Wiuneiota.
Decorah-posten og ved arnen., 1916-02-01
,Scrnunrchnnbci / Murn brrnot

Nolporlou Nnrolpurc Cos Nltlt
llpru ncbbrrnotc Sen 2S0c san
mco belle %urcbcholonlnlcn. SubcI
opQnpc4 til $1,000, DISTURBANCE 50,
500.
Decorah-posten og ved arnen., 1916-02-01
3tliuurTrtu.
Yuitmcitrr / Mlbcrt yea. 6

Yoitmcitcr / hilbert Sea. 6. s..
Cons llnuUpnclic iii T~nlnncllcr i
Nlbcrt geo CT iorlcNcn Al FrUlIocnt
S@llion ppcrlcnbt SGlntct.
Wnmmcl %uonmdacr ono. Carl
Gnlcrion, Der / :nunQc Mar orcp Iolll
%uNnnnQcr / Nohcltcr, cr ni0nnct
ucN Ip0cn ocrltc0a. ST Nur gam
mel.
Decorah-posten og ved arnen., 1916-02-01
Wnmmcl Tuanmnocr ono.

N4llloll ppCrlcll0t Stlldtcf.
Wnmmcl %uonmnocr opb. Carl
Cmcrion, Der / IlullNc Mar orcp Iorl
%oNrmnNcr / Nohcltcr, cr nlNnnct
ucO Ioocn bcrltc0a, ST Nor gam
mel.
Scrnunrcbanbci / Wurn brrnot,
Nolporiou N~nrNlpnrc Cos NIiit /
Wlpru ncbbrTnotc Sen 2Soc San.
mc0 belle %urcbcholonlnNcn. Sobct
opUnpc2 til $1,000, DISTURBANCE 50,
/ 500.
%%cirtnino inncbrrnSt. Gen liort
! St0lbbuNulnA ~ Clio pod Z. z.
Nnllpn@ G0rm liUr Nlltdinipn nco
br0n0tc Nat til 2GNc &un. mch 100
Cons so, iorlocn at 10 Ncitc % -
H0Iuc onltoul.
Spocr lin %rpocr. ,Eohn Nnton
Nu0cripu. IS Mar donumcl ol u0l't.
bllucr c"ltcrioQt Al Nroocrcn otto
NuNcrion / W}imcopollQ SiNit ocn
ne hcrtc ira lin loripmlonc Nroocr
nrbct0cNc bon uc0 Ct ,<cruborcnulUd
uUr NlbbluN.
Slcmt Snlo. NJ. Z. Nrolun. PC
imrcr ior Southeru Mmnciotu
Tomcr 60. iulNt iorlcocn 9lrtcn ucN
iro Ct {rU / SpriuN &dIleu oQ bro
ct >aurbcu. en- Arm % Ilcrc Nibben.
san por bcul0iIIo3, % uluorliNcrc
more Nci!doiGclic bcirpltc0c3.
@ommc! Scruarnbc aabncu. Zen
pco MlbbllN bCliOltIoS Ncbb \Crn
Nribc. lon / 10 Mar hGr pUrct 'or
lobt. cr INiCt blcucu oabnct Tor Grit.
Nlt Nduo cr bIcpct mmpct lto ~ en-
bctp0cllN NrbciNaiinrtc cr idt / pc
ifiU'tiNclit. Wrubcu cic2 al She
n0llo Nilrnacc 81.
%nnf "a Shcntcy brrnht. Sim
Nltionol Nlnf2 %ulnlnp / Stnplcs.
prro $1,000. 'dmt set req Siocn
liqNcnoc Strnn0 ShcGtcr. oNion til
hcrCl0c @lntru ~ pUrb $1,000.
u~cobrUuotc Sen 91oc San. u. N.
NuNcrion@ Smloic brUnotc oaiao
mcN &c0itobcr ~ &crftri. ioraorla
dcu0c q Cab Al 81 1000. hpurai Nulu.
0clcH oUftc0c2 pco DISTURBANCE. No
than Gdnnopltua TclHparcmtlt oN
%oaninN2hla bcl~tdNiNcoc>. ,,lhcn
par opiioact / Ben baNre Gel al Che.
utrct.
Gasoline / S%riffcunnSct. Set por
en- Trepclicn@ Sio Tor mortQc /
| @ronb Wcoboru. "a S~olooncrnc Den
lite %,Sanuor luttcocS pes al Wopcr
Gountn trrloNocS iom Telgc al 81.
tionpolqct, men "a scr iao fort Sih
ieucrc blcu eli uotiao itram Gasoline
iulaa uuo Gritfcpnuoct. On innte@
MON SET Nif pcl pibt. %cN I'll anitil
let llnocrieaclic tonl set Tor SoNcu.
q. eli @oSolinctonoc / Nunpciiatio-
nen par rui,ct iiipffer. bporpaa ocnS
Snoholo bar l0fct nch / @renoen.
bporIra @anbet pirmpeocS.
TUripnuoen Gunntnamoitor. ara
Silperne mcloieS Den 26oe San. NJ
Gonntponoltor Sohn Ncllp hapbr
pPrei %ioripunoen iibcn Den icreaaa.
Ienoe Sag, % at Der belle Hottcn Tor.
Decorah-posten og ved arnen., 1916-02-01
%cirtnino inNcbrrnSt. Sen il,

StuIhbnNninA ~ Clio pon Z. Z.
Nnllon@ Garnl liUr Muthinion nc0
brOnNtc Nat til 26Nc Gan. mcn TOO
Cons so, iorll0cn at 10 Ncitc % f.
NuIuc onltom.
Decorah-posten og ved arnen., 1916-02-01
Spocr lin %ruocr.

-'NN' Nh \ANpN'' NNNI NNANi
Nn0crlon, 36 War Nunlnlcl oN nlI't
bllucr cltcripQt Al Nro0crcn Cttc
NuNcrion / W~}imcopollQ. Sloil ocn.
ne hrrtc ira lin ioripumonc Nroocr
nrbctOcNc BON pc0 ct NcruborcnulUd
uUr NIhhiuO.
Decorah-posten og ved arnen., 1916-02-01
Slcmt Nnlo.

iurcr ior Southern Mmnciotu
Toucr 60. iulNt iorlc0cn N'tcn ucN
ira Ct {rU / SpriuQ &nIleu oN bra.
ct >onrbcu en- Arm % ilcrc Nibbtn.
san uor bcuIoitIoH. % ulporlilcrc
lM0rc Ncl.0NlNc!ic hcirndtcNc..
Decorah-posten og ved arnen., 1916-02-01

6Icu iorriAc llac nigiort, at Sobn 6.
Nid)ola Manufacturing Cos betpbc-
liNc Tobriforiit ifnl flpttcs ira
Gainesville til Shcbop9nll. aprpo-
rntioncns Iftiefnpitol or foregct nleo
$4,000, Gpprnf oct mcitc cr tcanet
/ Sbcbppgan, pN Ell firceto9es So
britbp9ning pil blipc opfort.
Decorah-posten og ved arnen., 1916-02-01
Namoclsilaaee paa N,isIsiiup;.-

@iniam Torrance. Ser iom %iccprG.
iibcnt Tor @isconiin nplia bipaaneos
ct / Burlington aibolot @ebe at
llppcr MiSiiSiippi Hipcr Smprcpe.
mclt @sioiatiou, bar i "a crosse
iiotaIt ia ON Den itorilagne &anocIs.
Evening star., 1916-08-27
Home-Buying Made Easy

ONE such organization is Thrift, in
y Brooklyn, New York, founded in 1880
by wealthy family Of that city. The
Metropolitan Life Insurance Company
also has somewhat similar organization
in Brooklyn, and there are similar socie-
ties in many places-although nothing
like SO many in this country as in Belgium
and in Germany. In Belgium alone nearly
fifty thousand families have borrowed
money from the public building societies
to finance their homes.
A reader in Salem, Massachusetts,
wrote to me recently, wanting to know
the name of some philanthropic person
or organization that would lend him
Evening star., 1916-08-27
Drawings by

plan, calling for payment down of only
10 per cent. AS general rule this method
is not to be recommended. A certain
Middle Western city has grown and
doomed so fast that housing accommoda-
in population. A skilled workman who
has just moved there writes to me:
Here in -- it is very hard to rent de-
cent house for moderate price, and there
fore lots of people buy their homes on the
contract plan; that is, they pay about $500
to $500 down and the rest in monthly pay
ments of $50. Now, some people here ad-
wise me 1t is not safe to buy your house in
this do mot get yoIr deed
to take mortgages instead. i can buy a
house that suits me for $4,000, and pay $4OO
down and $50 month.
Often houses sold in this way are sold
at too high prices, to begin with. They
are usually in new neighborhoods rather
than in settled ones, with the result that
promoters, in frantic efforts to fill them
up, may get in undesirable neighbors; and
purchasers on this plan are often called
upon to pay unexpected extra fees to get
their deed in proper shape. But the real
objection is that conservative business
practice does not permit the seller OF a
house or any other goods to dispose Of
property for as small a sum as 10 per cent
cash down; and SO in the long run you
can not trust any one who is obliged or
willing to do business on an unconserva-
tive basis.
But what of the safe, desirable ways of
financing home? After you have got
together at least 20 per cent. of the pur-
chase price, look around to see if your
community has any semi-philanthropic
association to encourage home-buying.
You need not be afraid of accepting
charity, for it is not charity. Far
sighted, public-spirited citizens know that
there is no better way of improving the
community in which they live than by
making the safe purchase of homes easy
for the small-salaried and wage-earning
class.
Evening star., 1916-08-27

money to buy home at or 8 per cent.
interest. He was very much surprised
when l replied that had never heard of
such persons. He had mistaken idea
about house-owning which is only too
common. He thought the rate of interest
was the important thing.
Now, there is not single philanthropic
home-fnancing association that lends for
less than per cent. These associations
try to pay expenses and make some return
on the capital invested. Where the phil
anthropy comes in-and this is the inn
portant points in affording the home-
buyer fair, honest, decent treatment in
the way of making regular payments to
clear off the debt. The great point in
home-buying is to get a mortgage that
will not be called, and that can be paid off
in regular instalments. What the home
owner wants to know is that he won't be
turned out and lose his entire investment
if he should b" unable to meet his mort
gage. And of course the semi-philan-
thropic organizations assure this much,
and also afford protection in case illness
or other unavoidable trouble prevents the
borrowers from meeting the monthly pay
ments.
Buying a House with Rent Money
TAKE the case of man who bought
$4,000 house from one of the best known
and Oldest of these organizations. He
paid $500 down in cash and borrowed
5000 for twelve years, agreeing to pay
it back in monthly instalments of $3l.Sl.
He also had $65 a year to pay for fire in
surance and taxes. He had previously
rented the same house for $50 month.
Including taxes and insurance, the
monthly payment was 81 more than the
rent had been. But in twelve years he
became the absolute owner of the house,
whereas if he had remained a tenant he
would have paid only 81 a month less to
his landlord and would not have owned a
brick
If there is no -philanthropic home
financing concern in your city, and you
haven't more than third of the amount
necessary to buy house and lot, the
next best thing is TO find cooperative
home-building association. Most States
have them, and they are usually known
as building and loan societies, although in
Massachusetts they are called COOPER
ative banks" in Louisiana Homestead
organizations, and in New York Savings
and loan associations" They flourish
most extensively in the vicinity of Phila-
delphia; but there are between six and
seven thousand in the country, with total
assets of more than billion dollars.
The building and loan association usu-
ally lends from two thirds to about three
quarters of the value of the house and lot.
Evening star., 1916-08-27
Shall We Build or Pay Rent?

This means in practice that the borrower
usually has enough cash to pay for the lot,
which is good working minimum rule to
go by, anyway. Building and loans are
very cheaply managed, and the officers
work generally without compensation.
How to get loan from them is best
shown by an actual case
A couple who had saved carefully for
several years had about $1,000. They
wanted to buy house and lot for $440O.
The husband joined local building and
loan association, and took out thirty-two
shares Of stock at 500 share, which he
agreed to pay for at the rate of $32
month; and the association then ad-
vanced him 5000, which enabled him to
complete payment to the contractor. In
reality, what the home-buyer did was to
pay back the loan in paying for his stock.
The machinery of the building and loan
association may seem elaborate and COM
plicated, but there is no reason to regard
it so. Investors who do not want loans
are also admitted, SO there has to be stock
to buy. The only drawback to these as
sociations is that no one can tell just how
long it will take to pay up for loans and
shares of stock, or "pay out" The length
of time depends upon the number of loans
made. If there is great demand for
loans from members, the shares and loans
frequently become paid up in ten years
If there is no demand, the association may
have to seek less productive outside in
vestments, and it may take fourteen years
to pay up. Dividends on the stock aver
age just under 8 per cent. in New York
State. In Western States they are often
higher.
About half a million people are said to
have bought their homes through building
and loan societies. 1t is much the CON-
monest way for persons who have about
third or quarter of the purchase price
in cash. The building and loan associa-
tion should always be managed by local
officers in or near the town where MEM
bers live, and if they are honest, conser-
vative men, one need have no fear of
borrowing from or investing in the
association.
First and Second Mortgages
OF course, it is often possible to buy or
build house with small cash pay
ment by placing a second as well as first
mortgage upon it. But this is pretty
dangerous proceeding, unless the bor-
rover is sure of being able to pay off the
second mortgage in quick order. A Sec
ond mortgage is not supposed to be eX-
tended and renewed over and over again,
as many first mortgages are. The rate of
interest is almost always higher, and
very large commission must be paid for
renewal. The building and loan associa-
ton always seems preferable to the use OF
both first and second mortgage.
If a prospective home-owner has on
hand about half the amount of the pur-
chase price in cash, he need worry hardly
at all about financing the other half.
Everywhere there are innumerable lend
ers who will take a first mortgage for
from so to 60 per cent. Of the value Of
desirable house. Arrangements can be
made either for straight mortgage
which is one running for definite number
Of years or renewable from year to year.
or, what is much better, for a mortgage
The Bennington evening banner. (Bennington, Vt.) 19??-1961, 1916-08-29
.sesret History,

Each player is requested to write on
Il card or slip of paper the name Of
some well known woman In history or
fiction or In modern life. These are
dropped into basket, and nil are then
asked TO write upon another set OF pa.
pcrs the names of certain men whose
names aud careers are familiar TO the
average person. These are put In n
second basket and well mixed. and
both are passed aropnd.
Each player draws one paper from
each basket and cudgcls his wits to
write or tell brief story bringing IN
the names OF the man and woman that
he has drawn, az hero and heroine.
The more impossible and ridiculous the
better. one person who drew "llip
Van Wrinkle" and "Nantippc" repre-
scented Rips wife as n rcincarnation OF
the virUgo who made Socrates life
miserable.