davidaulloa/AmericanStories huggingface dataset:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-08-01
What an Endowment Policy ys

Question: have twenty-year endow-
Ia1s NE NE Insurance policy. taken out in
! nave had all dividends paid back to me
Ihey amount to about SIS a year. This
s ss spring, besides my dividend Of about
iiieve, is my share of extra profits, wonia
IKE your advice on whether it would be
n pprqfita BILE to stop my life insurance,
money money TO buy something just az SAFE.
where could earn a better percentages on
my money.--Mss M. 3.
Answer-Endowmen life insurance
pollcles may be all right for some peo-
PIE who will not save any other way,
put they are expensive. You are paw
ing Tor two thlngs--insurance and the
pIinclpai payable at maturity--and you
only receive one, the insurance if YOU
die and the endowment if YOU live. Of
course, you are protected in the mean
'1ime, but that protection is term insur-
ance and Of comparatively small value.
You DO not say how old you were when
you took out your policy, but at least
one company will issue twenty-vear
endowment policy for $1,000 for a
seml-annual payment of $25.25 at age
thlrty-four, which makes forty paw
ments, totaling $1,010, less dividends.
which would be about S140, for which
you receive $1,000. An ordinary life
pollcy at the same age costs 1885
seml-annually, or 1922 for the twenty
years, at which time it would have a
cash surrender value OF $3168e, plus
dividends. Now assume that you took
that protection and invested the differ
ence between its cost and the cost of
endowment insurance, which would be
5000 year minus $26.10, or 1920. at
per cent interest compounded. That
would amount to $7s8.12 in twenty
years. Add that to the $316.86 cash
surrender value of the life policy and
you have $1,104.9S. At per cent it
would s. be .$l2.7o. If instead of
twenty payment life policy, at the
end of twenty years you would
have paid up policy and S444.54
cash, the policy having sur
render value of s59s.74, if you did not
wish the protection for the rest of
your life afforded by the paid up policy.
An endowment policy is nothing but
term insurance plus the investment Of
the premiums, and we have tried to
show that there is no advantage to the
insured in combining the two if he can
save money at ALL If he cannot. he
must pay some one to make him save
and that is expensive. An intelligent
investor can count on more than per
cent, we think, even over period Of
twenty years, for nowadays even the
savings banks pay per cent. What we
have said is for general application. In
your case you have only a small policy.
and if you give it up now we are not
sure you would invest the $3.50 semi
annual payments regularly and proper
ly. You might as we'll go through
with it.
Chances of Chicago-Alton 3s
Question--win you kindly give me your
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-08-01
From Tho 7'rioune's Europeon Bureau


LONDON, July 3l.--Unsettlemen o.
the political situation, due largely tx
the wide difference of opinion between
the British and French government.
over the Upper Silesia question, is hav
ing an unfavorabie reaction on tn,
financial markets here.
The apathy will probably be more ap.
rarent in the coming week because o,
the bank holiday tomorrow. Few bust.
ness men will return to town before tn,
middle Of the week.
The hardness Of the Sin Feiners ir
making'a decision on the governments
offer of peace terms in Ireland ia an.
other factor in retarding business de-.
velopment. Despite the apparent lassi.
tudc, the prolonged depression in trade
accumulated by the coal strike and the
accompanying political turmoil, Seems
to be disappearing. improvements are
slow, but there is no question that
British trade has passed through the
worst stage.
Signs Of Expansion
The reduction in the Bank Of Eng
land discount rate to 51s per cent has
encouraged borrowing, and traders and
manufacturers are already seeking
fresh credits.
During the week there was an inter
esting debate in the House of Com
mons on economy, in which the OPP
position severely criticized the gov
ernment's expenditures in the civil
service department, and although only
92,500,000 was cut off the appropria-
lions the beneficial effects of the dis
cussion appeared to be greater than
the actual monetary savings thus
made.
With the present government last
ing over from the war and still think
ing in war terms whenever appropria~
tions are under discussion, it is only
natural that the country should show
resentment when the House of Com
mons is asked to indorse the ex-
penditures far in excess of those for
1914. This wave of economy has now
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-08-01
Investment Information.

Questions of general interest to in
cestors Uiu De- answered in this COL
ungn. IN .ohich cass only initials will
DC used. Others ,ciU be auswcred BIZ
mail. Address ali inquiries, inclos-
ing a stamped, addressed envelope, to
Financial Editor, The Tribuno, 1s%
Nassau Street, Ness York Ctr.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-08-01

opinion of the Chicago & Alton per cent
bonds? Do you consider them safe in
Vestment, and would they remain undis-
L. c. III.
Chicago & Alton 3s ara
next the rails; that is, they are first
lien. They have been undisturbed in
former reorganizations, but are out
standing at the rate Of over $4,000 per
mile. We think that the bonds are a
reasonably safe inve,tment, but an
swering your direct question as to
whether they would remain undisturbed
in the event of reorganization, this
is a matter of opinion, and it would be
difficult to form an intelligent opinion
unless we knew who would be in con-
troll in the reorganization of the road.
In recent years there has been a ten
oency to make far more dras reor-
CARNATIONS than was the practice in
1856 and 1897. AS matter of fact,
however, when the negotiations actually
take place, it has been found almost
impossible to disturb the first mort
cages. Even in the Missouri, Kansas
& Texas although some of the interests
connected with the reorganization were
heartily in favor Of foreclosing the first
mortgage and making a complete re-
organization, it would appear improb-
able that such drastic step was taken,
and 1t is for this reason and similar
ones that we think the Chicago & AL
ton IS are a fairly safe investment.
Thinks This Good Time to Buy
Question: have pretty good annual
income and believe this to be a good time
to buy bonds to yield as high interest as
are likely to advance in price. Please
give your OPP ION of the following list
as soon as possib as l wish to buy while
the bonds are CT p: Cuba Cane Sugar,
inghouse. 1890; vt-euum Oil. 1896: Cuban
American Sugar. per cent; American
Agricultural Chemical Company, 1941;
Baltimore &c Ohio, Southwestern division,
1925. Sls per cent Atchison, Rocky Noun
Rock Island & Pacific general. 1898 per
cent; Chicago, Milwaukee e. st Paul gen
eral, 1889. Az per cent; Illinois Central,
1902. per cent; government Of Newfound-
land, 1926. So per cent; Oregon Short
camille Marine, 1871, per cent; Anaconda
Copper 1929. per cent?. NJ p.
Answer-Of the bonds that you
name, we think the best are the New
foundland 61ss; the Atchison, Topeka
& Santa Fee, Rocky Mountain division,
As; the Illinois Central as, the Oregon
Short Line as, the Westinghouse Sc
Electric and Manufacturing Company
rs, the Vacuum Oil rs. due 1886, and
the f. I. du Pont 71ss, due 1881
Any of them would be good in
vestments for you, we think.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-08-01
Better Wait and See What Haupens

Question-what is the outlook for Conti-
mental Candy? Would you advise pure has
ing it at 9Th. c. W.
Answer-The Continental Candy Com
pany is in the hands of receiver.
Pending reorganization we cannot
see any reason why any one should buy
the stock even if it is selling low.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-08-01

CHdncee OF ChIcagOsxAItOn 80
Question--Wnl you kindly give me you
The St. Joseph observer., 1921-11-05
Saving THE PARTY"
The Republican Des Moines Registee
Reads Its Party Much
Needed Lecture.

A group of western republicans In
congress, known as the agricultural
bloc, is so dissatisfied with the tenta-
tive draft Of revenue bill prepared
by Senators Penrose and Smoot that
an insurgent movement is predicted.
A temporary truce has been arranged
through the Intervention of Senator
Lodge, but the uncertainty of the sit
uation is said to be worrying the
president,
The insurgents object to the sales
tax and to the reduction Of the sur
taxes on big incomes. and they are
also making positive demands. But
the details OF their grievances are of
secondary importance. 1t is the re-
publican party's abject failure in the
matter Of revenue legislation which
commands public attention.
For almost three years the republic
cans have been in control OF congress,
both houses ana senate. During all
that time the need has been pressing
for revenue legislation to correct the
necessarily hurried and experimental
revenue act of democrats, passed un-
der the spur of war to meet the ex-
traordinary requirements of war. That
revenue act has been denounced by
the republicans continuously during
and since the congressional campaign
Of 1913, and its author, Claude Kitch-
In, has been derided, but the Kitchin
act still stands.
| A republican congress has done
peace basis in the three years since
the war ended. The Fordney tariff
bill passed by the house has been
dismissed as worthless by the republi-
can senate, which is trying to rewrite
1t. The senate is making such a bad
Job Of 1t as to cause anxiety in the
White House and alarm among the
party leaders. But the character Of
this anxiety and alarm should be
clearly understood. Is there any
solicitude In Washington for the pub
lie interest? If 30. 1t has not been
remarked. Washington's worry IL
purely partisan. The solidarity of
the republican party" is threatened.
And the final argument or appeal to
the insurgents is to Consider the fu-
ture OF the republican party" Let
business stagger along under the
ruinous burdens of war taxes. Let
the unemployed millions get through
the winter as best they may. What's
the country to politicians9 But the
party-Oh. the party must be saved
at all hazards. Let industry languish.
let labor starve. but keep the republi-
can party intact. harm monious and, at
all costs. keep It in power.
The self-advertised party of ef-
ficiency." with It's record of incapacity
and cowardice, seems capable now Of
only maintaining the blunders OF the
democrats. 1t cannot save itself that
way.-Des Moines Register.
The St. Joseph observer., 1921-11-05

A. T. Sweet, who has spent since
June in Andrew county making q soil
survey for the federal department
says that In his work Of making sur
veys over the United states during
the past eighteen years that Andrew
county is one Of the best counties he
has visited OF course he has not
yet visited all the counties but that is
a pleasing report. He means the soil
conditions as well as the progress Of
the county.-Sdvanna Reporter.
The St. Joseph observer., 1921-11-05

between Miss Schott and Mr.. Brace
began some years ago. Miss schott
was housekeeper in the Brace home
at the time Judge Brace was a MEM
Der Of the supreme court and resided
here. The family became so attached
to her that she accompanied them to
Paris and remained until the death of
Judge Brace few weeks ago and re-
turned here to remain until her we'd
ding day which was to have been last
Saturday.-Jefferson City Tribune.
The St. Joseph observer., 1921-11-05
A TRIFLE LATE
A Husband and Father at 152 Years
Quits the Family Raising
Industry.

An extraordinary instance OF long
evity is that concerning an agricul-
turist named Thomas Parr, born In
Shropshire. England, in 1899. He was
engaged in agricultural pursuits and
worl ed in the fields till after his one
hundred and thirtieth birthday. Al
l20, according to authentic records,
he married a second time and became
the father Of family. At 162 he was
introduced to the court Of Charles ]
by the earl Of Arundel as a remark
able prodigy, but the change of air
and new mode of living caused his
death. A post mortem examination
of his body was made. but no inter.
nal symptoms o; decay could be dis
covered.
A grandson OF Thomas Parr died ir
Shropshire at the age OF lao.
The St. Joseph observer., 1921-11-05

"A stone of peculiar shape was re-
Gently found among those hauled for
the building of the new Farmers Ex-
change Bank in Branson," reports the
White River Leader. 1T is rectangu-
lar in shape, ard near one end there
is small cavity in which another
stone, which is circular and turns in
the cavity, is fitted very snugly. Evil
| IDENTIFY the cavity was worn in the
| larger stone by water and the smaller
one was washed into the hole, and the
water flowing over that, too, turned
the smaller one round and round until
it wore marble shaped and also erod-
ed the cavity to fit the stone. The
stone was found on the top Of hill
and tells the tale that in some remote
age these hills were under water and
the water was IN violent notion"
The St. Joseph observer., 1921-11-05
THIS APPLICANT PASSED

A city business man was very keen
on having proficient clerks in his em-
ploy. Befors a clerk could enter his
office he was required to pass a writ
ten examination ON his knowledge OF
business.
At one examination ons Of the
questions was: who formed the
first company"
A certain bright youth was a little
puzzled at this, but was not to be
floored. He wrote:
"Noah successfully floated a COM
pany while the rest OF the world vas
In liquidation"
lie passed.
The St. Joseph observer., 1921-11-05

Bill Coon, who used to live in Ben
ton county tworty years ago, was
back from Arkansas visiting with rel
atives there and it came to his mind
that he owed man named Webb Of
the Hoglcs creek ncighborhood twenty
dollars borrowed money He made a
so he left the money with a neighbor
there with instructions to find webb
or some Of his descendants and pay it
over.
The St. Joseph observer., 1921-11-05
EXECUTRIX NOTICE

testamentary, upon the estate Of James
Bachman Croy, deceased, have been
granted to the undersigned, by the
Probate Court OF Buchanan County,
Missouri, bearing date OF the 2Sth day
of October, 1921.
All persons having claims against
said estate are required to exhibit
them TO me for allowance, within six
months from date of said letters, or
they may be precluded from any ben
eft OF such estate; and II said claims
be not exhibited within one year from
the date OF the publication of this
notice, they will be forever barred,
ELIZABETH CROY,
(SeaD Executrix,
Attested:
Fred M. Wanger, Clerk OF Probate.
Gl5)
The St. Joseph observer., 1921-11-05
THEY BOTH COULDN'T GO

Honey" sad the negro suitor,
when we gifts married you amt
gwine to give up dat good job you
has workin' for de white folks, is
you?"
But amt we gwine to have no
honeymoon an take a trip on de train
somewhere 2"
"One of us might go, honey. Dey
amt thing holdin' me, but yous
got 'sponslbilities."
The St. Joseph observer., 1921-11-05

It was with n shock that Platte
City received The unexpected tidings
Wednesday morning that Judge John
l.. Carmack hal died suddenly. lie
was down town that morning, but
feeling badly about eleven o'clock was
accompanied homo by Gates Wells. A
physician was summoned at once, but
the judge had breathed his last before
medical aid reached him. Heart fail
ure was pronounced the cause.-Platte
County Landmark.
The St. Joseph observer., 1921-11-05

Mrs Guy Hin, who lives west OF
King City on the Dave Scott farm, is
the champion sweet potato raiser in
that district, she brought in two po-
tatoes which together weighed ten
pounds. Mrs. Dave Scott cooked one
which weighed seven pounds and the
whole family ate sweet potatoes for
two meals, And Mrs. Scott has al
ways insisted that that ground was
worn out.
The St. Joseph observer., 1921-11-05

At least w. S. Mann Of near Dewitt
will always be convinced that money
won't grow unelss planted in the
bank, The Herald reports that nine
years ago while plowing wheat he
lost poCkctbook containing SIS. One
day last week while cutting corn ne
found IS and some small change. He
has farmed tho ground every year,
but mover before saw a trace OF the
money.
The St. Joseph observer., 1921-11-05

A romance Of many years standing
which lacked but a few days OF being
eliminated is seen in the will Of the
late Ned Brace. son OF the late Judge
Brace OF the Supreme Court and
brother Of Paul Brace of this city,
which has been filed for probate In
the probate court OF Monroe county
In bequest Of $4,000 TO Miss Frieda
schott, daughter OF Mr.. and Mrs.
George schott. residing on the schott
road east OF the city. The romance
The St. Joseph observer., 1921-11-05

The Louisiana journal says tins
story from the Elsberry Democrat t
certainly takes the cookie: Light
ming struck the helfry of the Ashland
high school recently. A lunch basket
on the window sill was struck and
torn to pieces, and a cookie that had
been left on tn" box was carried into
the school room and up the sleeve of
the dress of a girl pupil Miss White,
teacher, and several Of the pupils re-
ceived severe shocks"
The St. Joseph observer., 1921-11-05

Mrs, NJ. e, Tate OF Portland, Ore,
who is visiting her niece, Mrs Della
Masters, went TO Maitland yesterday
afternoon and il celebrating her s1st
birthday today at the Tom Groves
home. Mrs. Tate had with her yes
terday couple OF interesting heir
looms. One was cream pitcher be-
tween $50 and 400 years old which
was the property OF her reat-greas-
The St. Joseph observer., 1921-11-05

A man residing on East First Street
has, we believe, the most Intelligent
dog In Maryville. Although 1t has
been many years since a saloon was
in Maryviile, yot every time he passes
the place with his master he stops
and looks up at him with an inquiring
sye.-Nodaway Democrat Forum.
The St. Joseph observer., 1921-11-05
THERE ARE OVER A
MILLION SCHOOL CHILDREN
THAT ARE OF EDUCATIONAL ACE
IN THE SOVEREIGN STATE
OF MISSOURI
BUT THE POPULATION DE-
CREASED IN THAT PERIOD

Compiled by the State
Bureau of Labor Show That This
State Ranks High for Idteracy for
Its Boys and Girls Surprising in
That Respect Twenty-Five of the
Other States OF the Union, Many
of Which Are Among the Oldest
States of the Confederation.
The St. Joseph observer., 1921-11-05

Ye editor Of the home paper was
as busy last Sunday as the proverbial
one-armed paper hanger who had the
itch. He preached two funeral SER
mons at Quitman, one at 1890 and
the other, military funeral with bur-
ial at Burlington Junction, at 2 p. m,
besides his two regular sermons at
Bethany. lie drove 20 miles In IL
hours In order 10 meet these engage
mcnts.-Graham Tribune.
The St. Joseph observer., 1921-11-05

On Thursday afternoon Lewis Beatty
shot a very large gray eagle near his
home, a mile north of Huntingdale.
lie saw the large bird on the ground
eating a chickel and getting his gun
mounted a horse and rode close
enough to get a good shot. After he
had killed it he found what the bird
was. 1t measured seven feet from tip
| 10 tip.
The St. Joseph observer., 1921-11-05
NOTICE OF FINAL SETTLEMENT

Notice Is hereby given TO all cred
itors and others interested In the
estate OF George Starks, deceased, that
/, Mary A. Williams, Public Admin
istrator OF said estate. intend to make
Final Settlement thereof at the next
term OF the Probate Court OF Bu-
chsnan County, State OF Missouri, TO
be held at the court house In st.
Joseph. Missouri, on the first Monday
OF December, 1921.
MARY A. WILLIAMS,
G15) Public Administrator.
The St. Joseph observer., 1921-11-05

CLARK should be pretty good
place 10 live now" states the Chroni-
Gle. THE third revival in two months
has just closed and in the three less
than a dozen conversions were made.
This proves ono of two things. The
people Of Clark either all have relig-
ion or are too mean to accept it,"
The St. Joseph observer., 1921-11-05

in his cornfield Friday, october Z. He
roped 1t by the leg as 1t started to fly,
took it to the house and put it i'm n
wire pen. Everyone who has seen it
calls it an eagle The bird measures
feet inches from tip to tip and
weighed about IS pounds.--Skidmor
News.
The St. Joseph observer., 1921-11-05

ut is not often that a preacher gets
a chance at two funerals for the same
man." reports the King City Tri-
County News. REV. John Keplinger
OF Union Star, however, has exper-
fenced this exception. In 1919 Mr..
Kcpllnger was chaplain In the A. f.
+. on the first Of October that year,
the 21st Field Hospital was bombed
and Private Eliza Denny of Maysville
killed. Chaplain Keplinger had charge
OF the hasty burial over there Last
week he presided over the second fun
eral of Private Denny, whose body
had been brought back 10 Maysville
for burial"
The St. Joseph observer., 1921-11-05
More Commission Profits

Egg dealers have millions OF dozens
Of eggs in cold storage waiting for the
Fordney tariff bill to give them pro-
lection OF one cent each. And the
people who consume the eggs pay the
tax, while the commission men prof.
teer.-Howell County Gazette.
The St. Joseph observer., 1921-11-05

1T possibly wouldn't do any good"
admits the Macon Chronicle-Herald
"still we'd ike to see some of those
climatic Californians brought to Mis-
souri, during the fan. The Lord may
have given some land finer season,
but no one knows where it is"
The St. Joseph observer., 1921-11-05

According to the Jackson Examiner,
local jcweler has on exhibition in
his windows two old Watches one 250
years old and the other 800. one of
tho watches has two dials besides the
were for keeping two different times,
so apparently even that long ago they
had to face the usual problem that
every present day householder faces
fathers time and mothers.
The St. Joseph observer., 1921-11-05

zone of the neighbors told us the
other day" confides the Maryville
Domocrat-Forum, that the only time
she nagged her husband was when he
was beating rugs, because when he
was thoroughly irritated he always
did a better job"
The St. Joseph observer., 1921-11-05
Would Not Need a Bond Issue

II the state could get all the appli-
cants for places on the state highway
commission to work on the roads, we
might not need bond issue.-Noda-
way DemOcrat-Forum.
The St. Joseph observer., 1921-11-05

One good story always lugs IN an
other. The story of the tramp who
inserted he was president Harding's
agent bring to mind another told
by a well-known Clinton minister.
Johnny" said a school teacher to her
brightest pupil, name the three
greatest Americans" Lincoln, Hen
ry Ford and President Harding, "
promptly replied the boy. why
johnny" protested the surprised
teacher. what did they all do?"
why Lincoln freed the negroes,
Henry Ford freed the mules and
President Harding freed the, laboring
men from work"
The St. Joseph observer., 1921-11-05

THE oldest Odd Fellow in the
Southwest has Just died at West
Plains" says the jefferson City DEM
ocrat- Tribune. Gregory Martin is
his name, and ne had been an odd
Fellow for sixty-seven years when he
died. Bloomington, Ill, and Mont
gomery City, Mo, will next be heard
from. For years they have had a
monopoly on the oldest Free Masons
the oldest Odd Fellows and the Oldest
railroad engineers and Oldest con-
ductors. West Plains is infringing on
gOmery City and violating a copy
right"
The St. Joseph observer., 1921-11-05

Down near Novinger a few days ago
Ira Novinger captured middle size
bear In his corn crib where 1t ran
when he discovered IT hanging around
his cah lot. Ire Immediately tried to
put on the middle size bears shoulders
all responsibility for the disappear
ance OF several calves and shoats re-
Gently, and circumstantial evidence
seems black against II, but there is
always the great big bear and the
little wee bear TO be taken into con-
sideration. Bears don't grow natur-
ally in Missouri, and 1t is supposed
this is one that escaped from a me-
nagerie at Lancaster recently.
The St. Joseph observer., 1921-11-05

one Of the cases on the docket for
the coming term Of the Adair county
circuit court is that against John
Gillespie who is accused OF wife muir
der. Gillespie, who is now about so
health, and no; greatly concerned
over his coming trial.