The Newark journal., 1920-01-15

member has fixed in his mind home that will cost 5000, he must have at least $500 for the first payment Split $500 up into weekly pay ments of amount the club member knows he save, and the goal, and the length of time 1t will require to reach that goal, will be known Then the objective of the member is iXed
 The next move in forming successful club is to place before the people of the community the advantages of owning home and to stimulate the desire to home that every normal man has.
 To diyerge bit and to illustrate how astute merchants capitalize latent desire consider for d minute the methods of the makers of garments for women They depend almost entirely in marketing their goods illustrations. There is not q magazine in which is not displayed pictures that show the beauties of women's clothes. Wom en study these pictures. and as they study them the desire to possess attractive clothes grows. Thus is this desire crystallized into sales.
 This is equally true of pictures of fine homes. There is not Woman-and there are few men who will not give more than passing glance to home design They may not know It. but it is that inherent desire to possess home that causes them to take more than casual interest in this picture. Mentally they consider the advantages and disadvantages, the beauty lack of beauty of the home they looking at, judging it. of course. from their ideas of what home should be.
 This dissertation on how the banker and builder q ings club" is made to take those who will be ap- preached on this subject into their confidence It is a peep behind the scenes" But if it has the effect of bringing to the minds of persons who do not own their homes some of their mental proc esses, thereby giving them opportunity to ana !yze their feelings the subject of home owning, the revelation will be worth while
 Owning home brings more happiness than the possession of any other thing, or several things We all have homes. it is true, and take pride in our possessions We furnish them to the best of our ability and in accordance with our tastes. But this is far the man goes who lives in house he rents He has nothing to say about how the exterior looks; neither did he have anything to do with the planning of the in- terior Just now too he is unable to make much of choice in exterior appearance and interior arrangement; he takes what he get, and is thankful for four walls and roof
 How different is the home of the man who has manned and built his residence. The exterior of his home approximates his ideas of what is at tractive; the interior arrangement conforms to his ideas of comfort and convenience. But the greatest satisfaction of all is his pride of posses sion
 Tho pleasure that comes from owning the home is not its only advantage. Owning home Is a business asset that brings many opportunities for financial advancement. To the salaried man, own ing Il home means that he is more stable en- nlovee than the man who rents and has no ties. All other things being even. advancement is offered to the home owner every time in prefer ence to the renter And when the time comes that the home owner has an opportunity that re oures an investment he has the best asset in the world on which to borrow money.
 In this rapidly growing country there are thou snnds of men who have saved their money and hought homes for no other reason than to have homes And in few years they have been sur nrised by the realization that their properties have greatly increased in value. met one such man only Il few days ago. He proudly told me that he had built home few years ago and oatd all but S1 400 Of the cost-$3400 Now, he said he had been offered SG000 for the place. His determination to have home of his own had not only caused him to saye S2Oo0, but he had more than doubled his saney. Not all home builders do this it Is true, hut majority do
 The ideas have pres, - si here for the cons!d.