davidaulloa/AmericanStories huggingface dataset:
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1922-08-27
Mortality
Tables

Used by Insurance Companies are based
on the experience Of groups Of 100000 people, Their
rates for the guaranteed payments they make are
based on mortality in those groups addition they
se'cct from those people only the healthy who
gagged IN safe occupations In consequence great
pahles nave risen to be towers Of financial strength be-
cause OF the wide spread OF selected risks
The Morris Plan Banks lend their deposits to large
numbers OF peopethose selected for their Character
and their earning power" The average Morris Plan
loan is approximately 5000 This wide spread selected
risk guarantees the security the loans and the safety
Of the deposits.
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1922-08-27

Same city and locality. with their
pass and pension privileges fully re-
stored and with their present rates Of
pay.
VIII rrutcrt Men.
In making this advancement Il
was fully and definitely understood
that the rights and interests OF tho
old men who either remained in the
service or who have come back TO
the service since July and the new
men who havo come into the service
Will he fully and Justly protected
TIL" proposition further provided
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1922-08-27

flSltlng cards are very necessary to have
for you'll be making acquaint ances daily Our En-
craving Department is equipped with smart styles
ana forms which we ready show you Quality and
Service Guaranteed. The Stationery Shon
Basement South
Richmond times-dispatch. [volume] (Richmond, Va.) 1914-current, 1922-08-27

The Simmons non-rust,
twisted-link Fabric Spring
with 4-inch riser. Has heavy
oval side tube and angle ends
and full helicols with bound
edge. Special this week.
S4.46.
Mohave County miner and our mineral wealth., 1922-05-19

near, which can say how much or to whom or at what rate member bank may lend.
 Equal Use of Reserve Bank Facilities
 In their right to borrow at Federal Reserve Bank all member banks, large or small, are equal. The law says that Federal Reserve Bank shall make each member bank such loans as may be safely and reasonably made. In making such loans the Federal Re- serve Bank, of course, exercises proper banking judgment. The law further says that in lending to member bank the Federal Reserve Bank shall have due regard for the requirements of all the member banks in its district. It must not lend so much to banks which might be disposed to borrow unreasonably that it will impair its power to meet the reasonable needs of other member banks later on.
 There is also complete equality be- tween all member banks in the kinds of loans, large or small, on which they may borrow at a Federal Re- serve Bank, and in the rates of dis count they pay. A loan for the pur- chase of COW gets precisely the same treatment as loan which provided the money to move a trainload of cattle or send shipload of beef across the seas.
 The American Principle in Banking
 Nowhere in the world are there so many separate banks as in America. That each should be free to serve the credit needs of its own customers in accordance with it's own sound judg- ment is the American principle in Banking. Freedom to serve is assur- ed under the Federal Reserve system to each one of it's ten thousand mem- Der banks. But not only has free dom to serve been maintained; the power to serve has been enlarged and made more sure.
 This larger and surer power is de- rived from banking organization, thru which the reserves of many separate banks are brought together for the greater protection and service of all- not only member banks and their de- positors, but every bank, every de1 positor, every citizen. For the Feder- al Reserve system provides the entire country with currency responsive to it's varying needs, and thus removes the danger of a money panic. More cver, it provides the entire country with great reservoir of credit from which farm and range, forest and
 mine, factory and store, may receive assistance in producing and marketing all the innumerable goods and wares which go to make up American com
 merce, industry and agriculture.
Mohave County miner and our mineral wealth., 1922-05-19

kCSS boAhos SAhy sAhhSS VI ~AAS "a rectors can be officers or directors of other banks. At least three, and us- ually a majority, are representative of industry, commerce and agriculture. For these are the interests which, thru the member banks, the system is in- tended particularly to serve and pro- tect.
 These men, drawn from the district, familiar with it's conditions and hav- ing it's interests at heart, are responsi- ble for the management and control of the Federal Reserve Bank. They elects its officers, determine the poli- cies under which it operates, and es- tablish, subject to approval by the Federal Reserve Board, the rate of discount it charges. All profits, after setting aside the surplus provided in the law and after paying the mem Der banks six per cent dividends on their stock, go to the United States Treasury and are used to reduce the national debt.
 The Federal Reserve Board
 The twelve Federal Reserve Banks could not work consistently together if there were not some coordinating body related to them all. That CO., ordinating body is the Federal Reser- we Board in Washington, which is made up of seven members-five who are appointed by the President and devote their entire time to the work, together with the Secretary of the Treasury and the Comptroller of the Currency. Through this board the Federal Reserve Banks become coun- try-wide system. Without it they would be merely separate institutions.
 The Federal Reserve Board, however is not an operating body. Except for its power to require one Federal Re serve Bank to lend to another Federal Reserve Bank, its powers are almost entirely supervisory. It must approve the discount rates" established by the directors of the various Federal Re
 serve Banks before they are put into effect. It passes upon the salaries of their officers and employees, and un-
 der certain conditions may remove any
 of their officers and directors. It de.
 fines the classes of loans which the
 law, in general terms, says the Fed
 eral Reserve Banks may make.
 But the Board does not pass upor
 the individual loans which a Fedora Reserve Bank makes, or say to i
 when, or how much, or how little i shall lend to a member bank. No can the Board oblige a Federal Re
 serve Bank to lend to member banl
 or prevent it from doing so. Tn , Board itself, of course, cannot len P money because it has none to lend. l Local Self Government in Banking Over the relations between membe e banks and their customers neither tn e Federal Reserve Board nor the Fedel - al Reserve Bank has any authorit r whatever. A Federal Reserve Ban l. cannot lend directly to a membe e banks customers, and lends to tt t, member bank only when asked by n to do so. Furthermore, a Federal R y serve Bank cannot say what loans + member bank shall or shall not nal d to its own customers. It is man le own banker who decides whether l. loan shall be made and what rate :h interest shal be charged-and that :e just as it was before the Federal R st serve system was established. The le is no outside group or body, far
Mohave County miner and our mineral wealth., 1922-05-19

to be paid, representing either loans for the production or distribution of goods and farm products, or loans to holders of United States Government securities. The gold which the law requires a Federal Reserve Bank to maintain as reserve against its notes must always be at least forty per cent of the amount of its notes in circula- ton.
 Currency Increases and Decreases
 According to Need
 These notes get into circulation and pass out of circulation in much the same way as money is drawn out of bank and returned to it.
 When a man needs currency he draws a check on his bank and cashes it. If he has not enough money in the bank to meet the check, he many have to make loan. In just the same way, when member banks needs currency, it draws and cashes a check on its Federal Reserve Bank. Perhaps the member bank had to borrow at the Federal Reserve Bank for this very purpose. That is how the total amount of currency in circulation in creases.
 On the other hand, when a man has more currency than he needs he depos- its it at his bank and perhaps pays off a loan with it. Just so does mem- Der bank at the Federal Reserve Bank. That is how the total amount of cur rency in circulation decreases. As Federal Reserve notes for which there is no demand accumulate in a Federal Reserve Bank, they are either des- troyed or put away in its vaults until some need cayys them out again.
 Whether the volume of Federal Re serve notes in circulation increases ol decreases depends not upon the initia- tive of the Federal Reserve Banks but upon the needs of the member banks Their needs, in turn, are decided by the needs of their customers. As in draw ing water from reservoir, it is the individual who takes the first step.
 Organization of the Federal Re-
 serve System
 . The plan of organization which the law lays down for the Federal Re serve system does two things. It pro vides a nationwide system so kni together that nationwide resource! may work as a unit in a nationa emergency too severe for local re sources to cope with. It also preser yes the right of local self-governmen
 in banking. These are principles witt
 which Americans are familiar in tn working of the Federal and State gov ernments under the Constitution. Organized Like Other Banks The country is divided into twelv districts, each with Federal Reserv Bank. In many districts the Feders Reserve Banks have one or mol g branches for the better service of tt - member banks. Each Federal Reser1 e Bank has its own stockholders, dire d tors, officers and clerks like otht s banking institutions. The stockhol' s CTS are the member banks. It's nil r directors are residents of the distric s some from the cities and some fro n the country. Three are appointed ] e the Federal Reserve Board in Was d ington, and the other six are elect'
 by the member banks, each having ol vote. In voting, the banks are divi r. ed into three groups, each of whi s- elects two directors. These groups a ,e composed, respectively, of the smalle ]. banks, the middle-sized banks, and t
Mohave County miner and our mineral wealth., 1922-05-19

Indians of Arizona are becoming proficient in golf. With the natural swing begotten of loose joints, the strong muscles of the Indian drive far and straight, and approach with great accuracy.
Mohave County miner and our mineral wealth., 1922-05-19
Trade at Home

Did it ever occur to you that you prosper as your town prospers? That when business is poor you make less money and feel the weight of "hard times?"
 Yet you spend money away from home when in nine out of ten, you could get equal satisfaction by patronizing your home merchants. Every dollar you send away makes business in your town many dollars poorer. But the dollars you spend at home stay there and make business better and then come back to you. Are you a builder and booster? Do you want your town to go ahead? Do you want to go ahead with it?
 Trade at Home
 You Share Prosperity-Help Make It! And While You're Trading at Home Don't Forget To Demand Arizona Products. No Matter What You Buy, Buy in Your Home Town and
 Your Home State. You'll Be
 Helping Yourself Trade At Home-Buy Arizona Products Week,
 May 22 to 27 1922. N Arizona Industrial Congress Forward Arizona"
Evening journal., 1922-03-09
FIREMEN NOT TO
BE REINSTATED
Former Delaware Company
Members Lose Mandamus
Case in Court
TRIED TO GET BACK
AFTER EIGHT YEARS

Chief Justice Pennewill I'm su-
perlor Court today handed down an
opinion denying reinstatement Of
William EaiSin az a member Of Del
aware Fire Company No. 3. George
W. Lilly, counsel for Eakin and
John Green, had asked tho court for
"a writ Of peremptory mandamus 20
compel reinstatement of the two
men as members OF the fire com
pany, from which they had been
expelled some years ago
Robert G. Harman. counsel for
the Delaware Fire Company. waived
issuance OF the alternative writ and
filed an answer. which Mr.. Lilly
asked TO have quashed. The action
~ the court in their opinion today
was to deny the application TO
quash the respondents answer.
which in other words denies the ap-
piication OF the two men for rein
statement Although the opinion
handed down today applied only 70
Eakin, the same opinion will apply
20 Green.
The court IN its opinion declared
that ut Is not shown that the ex-
puision OF the relator was Illegal or
, improper. While the relator was
Expelled for the non-payment of
fines. nevertheless the indirect cause
Continued on Page Seven)
Evening journal., 1922-03-09
NOW OBJECT TO
MIXED JURIES

TRENTON. y. j.. March UNITED
Press ss)-Agitatio against locking
up mixed iuries OF men and women
all night threatened TO break out in
Trenton today.
Husbands and wives OF six jury
women and six jury men who were
forced TO spend a night in the same
room may agree on some sort OF a
protest. following the example OF St.
Paul husbands and wives.
The Trenton jury disagreed and
was discharged after 20 hours de-
liberation. The six men and six
women spent the night In a big room
In the courthouse. They played
cards. read newspapers and when
they became weary, pulled the
cushions from armchairs and took
maps on the floor.
In St. Paul the mixed jury was
locked up for two nights In a jail
room with only a screen between
dhe men and women. This has re-
suited In a storm OF agitation and
against mixed jurles.
Evening journal., 1922-03-09
TOT IN Street
KILLED BY AUTO
Chauffeur Avoids Man in
Trench, But Runs Down
Baby
CHILD DIES ON
WAY TO HOSPITAL

Matthew Sullivan. the 3-year-old
son Of Martin J. Sullivan. 1914 West
Third street was struck by an auto
mobile owned by former Mayor
Horace Wilson. at Third and Frank
lin streets. and so seriously injured
that he died shortly after being ad-
mitted 10 the Delaware Hospital.
The child was one OF a family OF
seven.
The chauffeur Of the car. Thomas
]. Loughrey. 201 Cherry street. said
that In turning 10 avoid a colored
man in a trench in the street. his
car struck the child. Loughrey did
not see the child until after striking
him and his first knowledge Of the
accident was when he heard the
noise when the little boys body
struck the car. He at once stopped
and picking the child up hurried TO
the Delaware Hospital with him. but
the child died before receiving
medical treatment.
Mr.. Loughrey at once proceeded TO
the police station. accompanied by
his employer. Captain Wilson. and
surrendered to the police. He was
placed under arrest by Special OH
Continued on Page Fourteen.)
Evening journal., 1922-03-09
CATCH TWO WOMEN AFTER
GUN FIGHT WITH BANDITS

one Of the bandits was LETT behind.
He held up a passing taxi and show
lng his pistol against the Chauffeur s
neck ordered TO speed up"
Police commandered another car
and pursued the machine carrying
the women. Shots flew back and
forth until both cars were bullet
splintered.
Drive like the devil. oh. you're
a hell OF a chauffeur" one Of the
women could he heard screaming
at the man al the wheel who hunch-
cd In his seat. was cutting corners.
darting down side streets, trying 10
shake on the police machine which
was right behind. The chase-bullets
whizzing down Fifth
Avenue between rows OF fashionable
shops
The male bandit jumped and es-
capped The fleeing car finally skid
ded 20 a stop with a broken axle and
the two women and the chauffeur
elevated their hands.
The bandit who red In taxi
Jumped from Il when police inter-
ospted him. ieRped aboard car.
and speeded out OF sight. The three
persons captured gave names which
are believed fictitious.
Evening journal., 1922-03-09
PARSON SAYS 1922 MODEL
DEVIL FIRES UP WITH
HZZ, BRIDGE, MOVIES

NEW YORK. March s.-CUnited
Press) Modern methods must be
used IN hghtng the 1922 model
shimmy shaking devil. You can't
combat the up-to-date Satan. who
shakes a wicked knee on the dance
floor. with the weapons our grand
fathers used against the old-fash-
ioned birthstone breathing Mephisto.
This Is the answer OF DR. John
Roach Sraton famous reformer to
Or. Robert Stuart Macarthur. who
quit Calvary Baptist Church. which
ne founded, because he couldn't
stand Straton's sensational style.
DR.. Straton will preach next sun
day on the subject of Dr. MacAr-
thurs resignation from the church.
No longer does the devil wiggle
wicked forked tail. but now ne
shakes shimmying shoulder. stra-
ton declared
The devil OF today Is no longer
the bold. brazen devil OF years ago.
The new model has arrayed himself
like an angel OF light %. he said. He
dresses In latest fashion; Is post
master in bridge whist and the
bunnvhug"
Nor does the new devil care
where he goes IN straton's belief. for
he says The devil often sits IN the
seats Of the theologians and some
times enters the pulpit"
Birthstone OF Dante's time has
turned 20 jazz. movies and the the
atres OF 1922. Straton said. The 1929
devil Is an advocate OF jazz and a
regular attendant at movies and
theatres"
Supreme efforts Of the new devil
according 10 Straton's analysis. are:
To undermine virtue Of women: to
destroy masculine honor: 20 wreck
Evening journal., 1922-03-09

NEW YORK. March Omitted
Press "A bandit gang OF two wo-
men and three men was routed hy
police IA pistol battle early today
after holding up the clerk OF a hotel
opposite the Pennsylvania station.
More than go shots were fred in
the gunnght
Two women and the driver Of one
OF the bandits and two automobiles
were captured.
Two bandits Jumped from a big
automobile and ran into the hotel
lobby ordering the clerk 10 reach
up. kid and keep on reaching.
Meanwhile the two women re
malned in the car with the chauf-
feur.
A might owl" newshoy looked
through the window and saw one OF
the robbers al the cash register He
raped on the sidewalk for police.
The bulls" yelled one OF the
thugs hearing the rapping They
ran out. opening fire on an ap-
proaching policeman.
The officer returned the nre and
the rattle OF revolver shots came TO
the ears OF q. s. Marines guarding
the mails in the main postofiice a
block away Before they could act
however. the bandit car roared away.
Evening journal., 1922-03-09
HARDING To
ENJOY REST
IN FLORIDA
Vacation Plan Includes Fish
ing and Cruise Along
Southern Coast
SOLDIER BONUS
TO FOLLOW HIM

ABOARD PRESIDENT HARD
ING'S SPECIAL TRAIN. Savannah.
Ca. Mar. s. United Press) .-Presi-
dent Harding's vacation plans call
for a cruise along the Florida coast.
from ST. Augustine to Palm Beach.
He expects to use the private yacht
OF T. b. Mclean. Washington pub
Usher The secrecy surrounding
the Presidents trip has made Il pos
sible for him 10 enjoy almost a com
piete rest. The schedule OF his
train was not known az cities along
the route and the President was not
disturbed by welcoming delegations.
Harding plans TO spend "a hours
at ST. Augustine. devoting his time
largely TO golf. +. b. Mclean.
Washington. will meet Harding at
81. Augustine. He plans TO take the
President fishing.
Harding arose late today. refresh
ed and feeling fine after his night
away from, the White House In
months Extraordinary precautions
are being taken TO avoid mishaps
like that OF Harding's campaign tour
when his train narrowly escaped
serious accidents twice. A pilot
train Is running a short distance
ahead OF the Presidential train with
the chief fireman OF the Atlantic
Coast Line on the rear scruunizing
the tracks The most experienced
engineer Of the line Is riding on the
Continued on Page FOurteen.l.
Evening journal., 1922-03-09
"FIREBUGS" IN
CITY, BELIEF
OF OFFICIALS
Firemen, Police, Under
writers Join in Hunt for
Incendiaries
DOZEN BLAZES OF
MYSTERIOUS ORIGIN

The increasing number OF incen-
diary fires In this city has stirred
officials OF the Department Of Public
Safety to a rigid investigation.
The fire at SIT West Seventh
street. Tuesday night. has aroused
suspic on. according to Cap
tain OF Detectives Benson and Fire
Marshal Ainscow. who investigated
an the circumstances.
An insurance company which car
rios policy on the shop in
front Of the apartment. said today
that no evidence Of oil was found
in the shop. however. The shop Is
occupied by Joseph Tarintano.
The occupants OF the first floor
apartment, Vincent Ponzio, and his
family. were out when the fire was
discovered. When the nremen ar
rived they found every door and
window leading TO the apartment
securely fastened. which would
seemingly make It impossible for "a
burglar TO have entered the apatt-
ment and set fire 10 IL.
The investigation so far has re-
veaied nothing TO show how the fire
originated or whether II was done
from the outside or the inside.
The Bureaus Of Police and Fires
are in possession Of data showing
that more than a dozen fires
have been surrounded with sus-
'oious circumstances since the
first Of the year. In an but a few
Continued nn PAGE Fourteen.
Evening journal., 1922-03-09

Special 10 The Evening Journal.
NEWARK. March 9.-Fifty years
as a medical practitioner Is a rec
ord which DR.. Henry c.. NJ. Kollock.
one OF the most widely known physi-
clans In the state has made ending
today, he having started his profess
sionsion in Philadelphia on March g..
1872. With the exception of Henry J.
stubbs. Of Wilmington. and possibly
DR.. Hiram r. Burton. OF Lewes
former Congressman. DIR. Kollock
has practiced longe than any 9TH
er physician in the State.
DR.. Kollock who is Il years OF
Continued on rage rourteen.
Evening journal., 1922-03-09
DEMOCRATS
DIVIDED IN
TREATY ROW
Attempt May be Made to
Smoke Out" Wilson
on Pact
UNDERWOOD MAY
DEFEND TODAY

WASHINGTON. March 2. UNITED
Press) The Democratic split over
the four power Pacific treaty grew
worse today as the result of careful
efforts by treaty opponents TO bring
Woodrow Wilson into the hEht
AZ the same time efforts TO smoke
Wilson OUT were under considera-
uuu Bog Senators who believe that n
the former President is against the
treaty and wants DO rejected he
ought in fairness say so openly.
Some Democratic Senators resent
ed the report that Wilson was loo a
coalition with Senator Borah. Re
publican irreconcihle leader against
the pact Borah continued 10 deny
that he had received letter from
Wilson
one Democratic Senator who said
he would follow Wilson's lead ~ he
knew what % was. declared that IN
his opinion anti-treaty Senators
were attempting 20 use the former
Presidents name and influence
without proper authority
Big guns on both sides were
ready TO continue the treaty fight.
continued on page lD
Evening journal., 1922-03-09
MRS. MARGAREr CAUNTY) HILL

Mrs. Margaret Hill. familiarly
known by her relatives and friends
as "Aunty HILL" probably the old
est woman in Delaware. who is cele-
brating her one hundredth birthday
anniversary today. at the home OF
Mrs. George W. Brinton. florist.
DUPONT road near Lancaster avenue.
IS very emphatic In her arraign-
ment OF the present day short skirts.
low-necked dresses and modern
dances.
"Aunty Hill" said today that she
did not approve of present day GUS
toms. 1T Is disgraceful. now isn't
Il. when / was a girl for one 10
expose a very little Of her limbs or
body. was considered vulgar"
"I believe a woman should have
the right 20 voice her sentiments
with the ballot" said TIE centena-
rian. "but 1 certainly do not ap-
prove OF so much club activity. TO
the neglect OF families. 1 voted for
President Harding and have always
been a staunch Republican. be
lievo a woman should remember she
has a duty TO her children and
should not neglect them for social or
club or political affairs Her church.
family and country need her advice
and assistance. but not in TIE form
il has been given recently. The rear
ing OF her children. under proper
home surroundings. should be one
Of her principal aims"
"Aunty Hill' has been confined 10
her bed for more than "a year. She
is met,ber Of Harrison street VI.
z. Churc.' and was one of its first
contributing members. She took an
active interest in church affairs un-
iii she was afflicted. She has been
a Methodist for elgkty-nine years.
owing TO Mrs Hills physical con-
dition. due 10 her advanced years.
no special occasion marked her CEN
Continued on Page Fourteen.