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The Holly chieftain., 1921-10-13
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BAPTIST CHURCH NOTES

Sunday School at 10 a. m. Glasses
for all. Regular preaching services
at II n. IN. and 1880 y. IN. Prayer
meeting Wednesday evening 7:3O.
State Evangelist E. Nj. Steadman
will begin revival meetings at the
Baptist church Friday, October 81,
at 73O o'clock. Be sure and hear
his first message. All are invited.
C. b. LEWIS, Pastor.
The Holly chieftain., 1921-10-13

Formerly the school children
could recjte the kings OF England,
but now they only know that Eng
Hand Is where Charlie Chaplin
comes from.
The Holly chieftain., 1921-10-13
PRETTY GIRL ADvrRr1sEMrn1

x&NoAA ~ 1ASsA AEk A013AMV
"A speaker before the Affiliated
Advertising Clubs Of America the
other day ridiculed the former ten
dency to advertise everything by
using pretty girl pictures. She
made fun of the pictures OF women
in evening gowns runnig washing
machines, also Of Bswery beauties
on all kinds Of mems merchandise.
Mention also might be made OF
some publishers who think they
can sell trashy magazine by put
ting some coarse type Of beauty on
their covers.
Most Of the buying for homes
nowadays is done by housewives.
They are tremendously influenced
by advertising. but 1t has 10 appeal
to their reason and sense. It does
not make soap or cereals more at
tractive. to them to be decorated
with some coarse type of beauty.
They are apt to think also that 1t
makes goods cost more. You can't
convince adult minds by a mental
lOllip0p. Give them real informa-
tion about goods and they will be
interested.
So far none Of the women's clubs
has reported any difficulty In ar
ranging their programs as the re-
suit Of inability to get the women
folks to talk.
When the Jazz player smites the
tinpan terrific old thump, he Is
unquestionally making big mt.
The people who think the fools
have all been educated. have notl
driven out on the main automobile
roads around Holly.
The people who wouldn't buy
their coal last spring. will soon BEL
kicking because they cant get any.
The Holly chieftain., 1921-10-13
CHRISTIAN CHURCH

Sunday School will be organized
Sunday morning at 10 O'Clock at
the Star Theatre. A social hour
after Sunday School.
Everyone invited.
The Holly chieftain., 1921-10-13
COOPERATING WITH THE PUB.
IIO sOH0OIA-fHE HOME
Af9I3UDE

Many people seem to feel that
educational progress is q matter
principally OF equipment and text
books. new methods and all that
Yet there are certain forces affect
ing school work very intimately.
mere change OF methods and sys-
tens.
The success Of q school depends
primarily on the extent to which
the children take hold and work
and support the discipline. II the
pupils are rebellious or careless or
inattentiye. there is a dead weight
of hostility and indifference against
which the best teacher is almost
helpless.
The attitude of the children is
mndifled by, the attitudeGwhich the
homes maintain toward the school.
Many children, II they are corrected
or reproved. will bring word to the
parents that the teacher is down
on them The parents get the idea
that the teacher Is linfriendly and
they take no pains to conceal the
notion from the children. They en-
courage the children in an attitude
of passive resistance and make
them feel that the school or the
teacher is at fault.
Even II the teacher may be partly
responsible for wrong conditions,
the situation IL made worse by per.
mitting the Children to lose respect
for the authority over them.
Parents can help their children
a great deal by urging them to
obey the rules, to work hard to get
their lessons, and to enter into
the spirit OF enthusiasm which
each school. room should manifest.
When children are encouraged to
take that attitude, they are apt to
fall in with the desires Of the teach
er and spirit Of work and coop
Grafton prevades the school room
that. promotes good results. But
II the parents encourage the child
rem In an attitude of opposition Or
criticism. feeling of sullen discon-
tent gets root in room. It spreads
from one to another. and soon it
proves almost impossible to arouse
any spirit OF work or emulation.
The Holly chieftain., 1921-10-13
TWO Spots

The city girls get money by work
ing their fathers, while the country
girls get it by working the soil of
their gardens.
While the unemployed are clamor-
Ing for work n the cities, many far
mers back in the country can't get
help. 4, .SfEU
II 1t pays the big city merchants
to advertise In their newspapers,
many copies of which are bought
on cars and trains and thrown
away, surely 1t should pay the
country merchant to advertise in
The Chieftain, every line Of which
IL read by every member Of the
household.
Although water seems distasteful
to many people they need not shud-
der every time they see a drinking
fountain.
The Holly chieftain., 1921-10-13

sss.ertbe Pet ne cnisitain- Nov
The Holly chieftain., 1921-10-13

= '--' -, T. a
The Holly chieftain., 1921-10-13
THE rouNDAr1oN OF MORALS

We are going to have better
moral tone
When the young men again put
the word virtue in the place now
occupied by vamp.
When young girls look to a youths
character before they look to his.
car.
When the risque story is Danish
ed-from mixed company at least.
When modesty supplants style.
When jazz Is delegated to the jun
gle from whence 1t came.
When the animal" dances are
recognized for what they are and
the dance becomes the poetry of
motion instead OF a hop, skip and a
jump
When we stop confusing smart
ness" with intelligence and clever
ness with brains and ability.
When parents set real example
and regain control of their sons and
daughters.
When we stop trying to make a
front" and living for the impress
sion upon other people who don't
care anyway and come back to life
within our means and live for our
families-the God-fearing. satan de-
flying, soulsatisfying life which we
all love best down in our hearts
and which alone brings true happi-
ness and contentment.- -Ex.
The Holly chieftain., 1921-10-13

: The Turks claim the Greeks have
made black record in Asia Minor,
and anyway they always do SO in
this country In their shoe shining
parlOrs.
The Holly chieftain., 1921-10-13

The people who think the fools
have all been educated. have not
driven out on the main automobile
roads around Holly.
The Holly chieftain., 1921-10-13

The people who wouldn't buy.
their coal last spring. will soon bel
kicking because they cant get any.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Offer $40, 100000 Issue
OF Land Bank Bonds
Countrywide Syndicate Organ.
lied to Distribute the
Securities

FORMAL announcement was made YES
terday of the offering tomorrow of an
issue of $40 100000 5 per cent twenty
year Federal land bank bonds at par
by a banking syndicate headed by Alex
ander Brown 4 Sons, Harris, Forbes &
Co., Brown Brothers & Co., Lee, Hig-
ginson & Co, the National City Com
pany and the Guaranty Company Of
New York
The bonds are redeemable at the OPP
ton of the issuing bank at any time
after ten years from the date of issue,
and are exempt from Federal. state and
municipal taxation. The distributing
group will include more than thou
sand investment bankers covering the
whole of the country.
The United States government owns
over S6,7o0,000 of the capital stock of
the banks and the United States Treas
ury has purchased over s1S3, 600, 900
Federal land bank bonds. The Federal
land banks are under the direction and
control of the Federal Farm Loan
Board, a bureau of the Treasury De-
partment.
A statement issued by Secretary of
the Treasury Mellon in connection with
the offering says:
''The Supreme Court of the United
States by it's recent decision has firmly
established the Federal land banks as
part of the banking system of the
country In view of the very satisfae-
tory financial condition Of the banks
themselyes-of the exemption OF the
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Specnlating ON PENNSYLVANIA

Question-Will you please give me youl
opinion the following list of stocks ?
Delaware & Hudson. American Telephone
and Telegraph Lhigh Valley. Endicott-
Johnson common, Cluett. Peabody pre-
ferred. Western Electric preferred. United
States Rubber and American Wooden? Are
they good investments from the business
mans standpoint? have twenty five
shares OF Pennsylvania which l bought at
ath Would you advise me to let them
go or hold on to them until after the April
directors meeting "A. w. B.
Answer-Your United States Rubber,
American Wooden and Endicott-J ohm
son common stocks are speculative
especially in view of the drastic read
lustments in their industries in the
last few months, and the uncertainty as
to what will be the final result. Never
ttheless, they are all companies which
have held commanding positions in the
past. We think your American Tele-
phone and Telegraph, Delaware & Hud-
son and Lehigh Valley and Cluett, Pea
body preferred are good business mems
investments. We cannot advise Won
about your Pennsylvania. You ara
specializing on the prospect of no un-
favorable action being taken on the
dividend.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Adding to SIPS. 600 Holdings

Question: own the following and will
shortly have $50. 600 more to invest VIII
you kindly criticize this list for permanent
investment as to safety and diversifca-
ton? $4,000 Liberty and Victory bonds,
$4,000 Northwestern Bell Telephone per
cent bonds, $4,000 Pennsylvania Railway
y per cent bonds. $4,000 Grand Trunk
Of Canada equipment "a per cent bonds.
$4,000 Montana Power S per cent bonds,
$4,000 Central Georgia Power 8 per cent
bonds. 5000 United States Steel pre-
ferred. $4,000 Belgium gold "a per cent
bonds, $4,000 Belgium gold per cent
bonds. $40. 900 Swiss gold per cent bonds
$4,000 Denmark gold per cent bonds
5000 United Kingdom 1897 5h per cent
bonds, $4,000 French Republic 8 per cent
bonds. $4,000 City or Detroit bonds
$4,000 City of Akron Ohio bonds $50, 600
guaranteed real estate mortgages.
NJ f. A.
Answer-There is not one Of your
investments that we do not consider
good and the list is we'll diversified and
yields we'll. The income tax question,
however, is one which you have to con-
slider The Federal Joint Stock Land
Bank 5s, due 1888, selling arounr 95,
are tax free. Preferred stocks are also
tax free from normal income tax, and
we think that Standard Oil Of New Jer-
sey preferred, National Biscuit pre-
ferred and Pressed Steel Car preferred
are high grade and would tend to d.
versify your list still further.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
One Man Shifts at our Advic.

Question: Mould like to know what ~
the ., matter with Cities Service Company
cent l would like to know why you ad-
wise people to buy bonds and stocks paving
from per cent to z per cent when Cities
Service pays nearly . per cent and / am
told is as good as gold. 7 would also like
to know what Is the matter with Republic
Rubber common selling around 81 when
IT has heen up around $50. / also own
some cheap railroad stocks which show a
loss OF from to 10 points. Would you
sell these stocks and buy them back later 2
What would you do with your money in
the meantime? own such stocks as Mis-
sour! Pacific. Wabash. Western Maryland.
Kansas City Southern. Chicago e. Great
Western. Chicago A. Alton. Erie common.
Chicago & Milwaukee. which is now rs. and
have seen It, sell for 400 Seaboard Air
Eastern. National, Railways Of Mexico sec
ond preferred and Island Oil. How about
Liberty bonds for U,. an inyestmentY How do
same price as the AZ bonds?--G. l.. o.
Answer-We have no notion that
our advice is the only good advice. If
some one told you Cities Service pre-
ferred is as good as gold and YOU be-
lieve it, go ahead and exchange vow
gold for it. We believe ourself TINT
it is good business mans investment
Republic Rubber common stock was
never worth $50 share, in our opin-
ion. All the tire companies have suf-
1ered severely from the collapse of
grossly inflated prices, and Republic
had to shut down its plants, one Of
which is in your town. We are afraid
you are going to have a hard time
with your list Of common stocks of
weak railroads. The transportation act
is not working out in the manner that
Congress intended it should, and it is
going to be hard to find remedy,
Erie common, for instance, could not
by any stretch of the imagination earn
common dividend with it's present
capitalization. Victory 4%s and 3Ms
sell at the same price, for the same
reason that 100 cents are always worth
81. They are interchangeable. The
reason we advise people to buy safe
bonds, which pay, as you say, to 7
per cent, is to keep them from such
losses as you have let yourself in for.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17

Question: have twenty shared OF Penn
s y ,h Raiir9ad, for which I paid 1913
posed to be an investment issue and so
safe as to be called odd ladies' stock 1t
ma, never skipped its dividend. but ! am
10 the last two years AS you have said
In your column. we hope the rails have
seen their worst period. and we know they
they can pay out in dividends Is another
s.osy' an, very pessitnistic as to tho
labor situation. I can afford to hold this
sa,S ont am beginning .tp think l had
ne PETER sell, take a<loss of somethlng Hike
SIau. make up the necessary difference in
prize pr s and buy ten shares Of Pressed Steel
JUDGMENT Am quite willing to wait till
aome OF these critters coma back but
unless unless l see signs of its being in my life
tine T. ne ! prefer to stand tho loss and charge
II TO experience. Your column Is absorbing
reading for student of human nature I
the plungcrs, restrain the foolish and let
Gown easily the widow and shorn lamb.
t nma b how VII. laughed at the man who
comic opera!-Mrs. NJ H.
Answer-We are inclined n acree
with You that the switch you suggest
would strengthen your investm emit
position. You give US only a hint
OF your past speculative opera
tions, but perhaps you have no.
ticed that waiting for your critters to
come back" is sometimes futile and al
ways cuts into your net income. at
least temporarily. If we were in your
place we should comb the bond market
for bargains, paying particular atten-
tlon to the high coupon rate new issues
OF corporations of good credit. 1t
seems hardly likely that interest rates
will go any higher, and if they go down
your holdings, if we'll selected, will in
crease in price and continue to give out
a good current return. You can sit
back and see the holders of common
stocks bear the brunt Of the burden
of reimbursement. That is what common
stockholders are for-to take punish
ment-and they seem to thrive on f..
1T seems to us unwise for woman
deliberately to go out and shoulder
such burden, even if she does have a
speculative eye on the melons which
sometimes are cut in good times.
Judging by the letters we receive, the
more deadly sex loves to gamble. but
they seem to have poor estimate Of
the odds-that is, what their relative
position is. They muster to hopes
on 100 to l shots. Pressed Steel Car
is q thoroughly seasoned stock, and we
believe it is a good investment. Run
ming this column is not a funny lob.
A bear market uncovers too many little
tragedies,
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Selling Stocks by Horoscope

Question-~Kindly will you please advise
rue how to keep my money affairs wisely,
daily horoscope my birthdate in the
Morning Teiegraph). 1 have $4,000 French
Victory bonds, bought at Ss4; 2a,oeo Bel
gian currency. l have $4,000 in cash, 10
shares at $50 per cent cumulative stock
% fthe Pacific Coast Shipbuilding Company.
and that / want to sell. r. l..
Answer You could have got that adj
vice sooner out of Poor Richards AL
anack. and it is good not only on your
birthday, but on the other 365 days in
in the year You are gambling IN
French and Belgian exchange. Maybe
the stars will tell you how you will
come out. We cannot. We know of no
market for Pacific Coast Shipbuilding
preferred stock.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Woman Is Rightly Advised

Question: client of mine wants to in
vest the little money she has in Pennsyl-
vania Railroad stock and as she cannot
afford to lose it very well I told her not
to do SO until l had asked your opinion
/ have always considered the Pennsylvania
stock high grade, but of late it has
shown extraordinary weakness. as it seems
to A stock paying per cent and
much more than that at the price should
it would seem, have better support than
1t has Is there anything Fundamentally
wrong with this stock? From the facts
at your disposal would you think that
there was probability of its dividend be-
ing reduced or passed The only way
that my client would lose would be If the
road went into bankruptcy or receiver
ship the dividend were to be passed Is
there any likelihood of any such contin
gency for this road Do you think the
stock is likely TO go much below 80?
r. NJ.
Answer-You are exactly right in
advising your client not to buy Penn
sylvania Railroad stock. 1t was a good
investment for years, but now It is
speculative, and there is, as you sus-
pect, the danger that the dividend will
be reduced or passed. The gambling
spirit is strong in women. and we have
no doubt that your client is tempted
by the high yield. But if she is in the
position you describe we do not think
she is warranted in risking her prin-
cipal.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17

Question: have been more or less in
terested in the stock of the Denver g. Rio
Grande.. Railroad ever since it "hit the
bottom and wish you would inform me
just what effect the sale of the railroad
to the Western Pacific will have on Den
Yer stock; that is. will the stock of the
Denver d Rio Grande be absorbed by the
Western Pacific. which will then issue
shares to the par value of Denver & Rio
stock remain on the market as such? In
even OF the latter being the probable oc-
curenoe what would be the effect on this
Answer.-The Denver & Rio Grande
will presumably be absorbed by the
new company, the Rio Grande Western,
and the old stock wiped out, but it is
unlikely that new stock will be issued
in proportion to the old. From the
market price of the old stock it would
appear to be nearly worthless.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17

bonds issued by these banks from Fed
eral, state, municipal and local taxa
ton everywhere in the United States
and with the very adequate security
back of these bonds they should prove
an attractive security TO investors
large and small throughout the coun-
try. A distinctive feature Of the new
issue viii be that the right of redemp-
tion by the banks cannot be exercised
until the eleventh year after their
issue This. will meet q very general
demand for longer term Investments,
the present outstanding bonds being
redeemable IN comparatively short
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Makes Good Choices ON First Trv

Question-Within the next week 1 will
be called upon to invest s4.750 would
value your opinion of the following bonds
as to security of principal interest and
marketability: New York Central collat
eral trust gold, September /, 1880, pei
cent; Standard Oil of California ten yea
debenture, January, 1891. Z per cent
Southern Railway debenture and general
A. April. 1866. per cent Canadian North
ern twenty-year general debenture, De
eember, 1940 per cent: Chicago & North
Western ffteen-year secured gold s1s pc,
cent, Kingdom Of Denmark, October, 1S45
per cent This Is my first attempt al
buying bonds-O. C. B.
Answer-We think that your bond.
have in a high degree security Of
principal and interest and market
ability. If the railroad situation shoule
continue to be unsatisfactory your raj
bonds might be quoted at a lower
price. This does not apply, however
to the Canadian Northern, which i:
guaranteed by the Canadian Govern
ment.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17

The United States Steel Corporation
announced yesterday through it's sub
sidlary, the National Tube Company. q
new schedule on steel pipe prices rang
ing from S. to Sl2 a ton.
These cuts are a natural consequence
OF the corporations reduction last week
IN base prices on bars. plates, shapes,
etc The new schedule en- pipe prices
corresponds closely With prices an
bounced recently by the independens
steel companies.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Prospect" Inquiries Before Buyinv

ouestion-Will you kindly advise me as
Of the Central Copper Company Of sriSona
and that fthe Consolidated Oil and Re-
ming Corporation? These firms have APP
would like to receive your valued advice
HI. A. n. 49,
Answer--We not advise the pur-
chase of Central Copper stock. The
company is charging a 80 per cent
premium for stock which is not only
not paying ividends, but is not, and
cannot at present, earn anything. The
oil stock you mention is too specula-
tive for investment, in our opinion.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
Safety of Central Vermont s.

Observation-Disclosures advise as to safety and
desirability OF Central Vermont Railroad
rs, 1880, guaranteed by the Grand Trunk
Railway.-J. NJ
Answer-The Grand Trunk is to be
taken over by the Canadian governm emit
and the Central Vermont will then be-
come a subsidiary of Canadian gov
ernmnt-cwnd railroad, although we be-
lieve that the government does not in
tend specifically to guarantee Central
Vermont bonds. We think the bonds
a good investment.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1921-04-17
French Cities Bonds Attractive

Observation-Disclosures tell me whether you
consider French cities, Lyons and Mar
selles a good investment; also If there Is
any good reason why they should sell so
much lower proportionately than French
government per cent bonds.-W. S.
Answer-We think the French Cities
bonds are very fair Investments offer
ing attractive yields. We think they
are selling out of line with the bonds
of the French Republic.