davidaulloa/AmericanStories huggingface dataset:
The New York herald., 1922-03-13
sound Business Method.

If Congress concludes to adopt a
soldiers bonus with paidup endow-
ment insurance as its chief feature,
the direct or regular way would be
to authorize insurance certificates
Will, provisions for direct policy
loans and the amortization of other
reserves that would be required as
a matter of sound business policy.
A certificate plan on this basis. IL
chosen by all ex-service men eligible
to elect II, would. according to the
best available estimates. mean an
aggregate liability OF about S4.500,-
600 900, and on the basis of twenty
year maturity would involve the fol-
lowing current charges each year
for the next twenty years: "a The
payments necessary each year on
account of the maturity OF certih-
Gates by death. averag ging about s40,-
100000 a year; CD Amortization
payments. computed at 4 per cent.
compounded annually. calculated to
provide within twenty years for the
whole liability, averaging about
s123.000,000 year. and (3) pro-
vision for direct policy loans from
tLe Government on about the same
basis as Is customarily allowed by
life insurance companies in an
amount that would probably average
not less than 100000. 900 a year for
the first two or three years Of the
operation Of the plan.
On this basis an insurance plan,
standing by itself. would cost Mt the
minimum about $500 10000 n year
for the next few years. The ncces-
sity OF amortization, II an insurance
plan is 10 be adopted, becomes clear
upon an examination OF the out
standing public debt. Tie heaviest
payments under an insurance plan
would fall In tho same period when
the longer term Liberty bonds be-
come due, for on a twenty year basis
the certificates would mature in
1912. II the bonus bin should be
passed this year.
Maturity Of Liberty Loans.
The Fourth Liberty Loan. which.
amounts 10 over $4,000. 900 600, ma
lures III 1888; the Second Liberty
Loan, which amounts Ia over 81 400
The New York herald., 1922-03-13
EXHIBIT 1.
Fordney:

The s;ss M @ @ a q
The New York herald., 1922-03-13

veterans would take the insurance
loan certificate, on which banks are
authorized to loan so per cent. for
three years and the Government so
per cent. until maturity at the end OF
twenty years.
He expresses the opinion that this
would compel the Government TO raise
and disburse $1,000, 100000 by October
81, 1925, not taking into account at
least 0,0o0, 900 additional each year
10 meet current charges.
Regarding the land settlement fea-
ture of the Fordney bin which THE
NEW York HERALD described this morn
ing, the Secretary estimated the cost
for carrying out its terms would be
about 500, 100000 per annum after
1923, If the reclamation projects en-
braced in it are pressed.
If the ex-service men should elect
to accept the insurance loan certih-
Gates, the Secretary says that the cost
to the Government will be s4,500.000.-
600, not counting carrying charges.
III all the veterans should choose the
farm and home aid feature of the
five way" plan, the cost would
amount to s2,5s3. 100000 within the
next two or three years.
Estimates of Experts.
The Secretary in calling attention
to the tables prepared by the Treasury
experts on the hypothetical basis fixed
by the committee. says that mo one
can even approximately estimate the
direct cash cost of the proposed bill to
the Government for the next few
years, and that by January l, 1925. It
will probably cost more than $1,000
100000, and may cost very much more
If enough veterans should elect to take
the farm and home aid during that
period.
In his analysis of the feature of the
bill authorizing the banks to advance
loans on the certificates the Secretary
shows that it is wholly undesirable.
THE effect Of this provision" he
says, will be to transfer the cost OF
policy loans from the Government to
the banks and to place in them mass
of unliquid negotiable paper upon
which the banks will be unable to
realize until 1925" He says that the
result would be frozen bank loans
and imitation of currency and credit"
He concurs in the opinion expressed
by Senator Glass, the creator of the
Federal Reserve system, that ito the
extent that the banks are obliged TO
make loans on adjusted service cor
tificates their ability to take care o.
the demands of business and industry
will be correspondingly reduced"
III though the
certificates may not be eligible for re-
discount at the Federal Reserve banks.
"the indirect result is certain to be in
creased borrowings by member banks
from the Federal Reserve banks in
order to provide the funds to carry
the paper until 1t is either repaid by
the borrower or redeemed by the Gov
ernment in 1926"
The New York herald., 1922-03-13
Same as Last
O a. Z

u want to tell you," says the
voice, chow much we appreciate
the courtesy of your service, and
what a comfortable feeling it
gives us to know that we can
always depend on just what you
say.
We've found your coal most
satisfactory-so please have this
new coal just the same as thg
last"
OWENS & COMPANY, Inc.
Foot Of East 49th Street, N. X. 9.
The New York herald., 1922-03-13
FOUND ANYTHING.

N 50. see n II Is sdvN-''scd IA III. if4 Ams
Found columns Of 'O- Sew ss'' hsfa'd
The New York herald., 1922-03-13
Maturity Of Liberty Loans.

The Fourth Liberty Loan. which
amounts 10 over $4,000, 600. 900, ma
lures IL 1898: the Second Liberty
Loan, which amoupts to over sS,3OO,-
100000. natures n 1o4s. and the
The New York herald., 1922-03-13
EXHIBIT 2.

g @ m @ n sH & s ss &
The New York herald., 1922-03-13

BANKS LOADED WITH FROZEN
FARM LOANS, SAYS II. S. BOARD

Special pispotoh to The Nrw YonK Hn.AlD
The New York herald., 1922-03-13
-FOUR POWER TREATY
KILLERS ORGANIZE
VIII Try to Block Lodges
Efforts for Vote on Robin
son Amendment.
LA TOILETTE TO AID
Irreconcilables Depend on
Prolonging Debate to In
fluence Country.
DEMOCRATS vENGEFUL
More Intent on Furnishing Re-
publicans Than Voting
Against Ratification.

Special Dispatch to THE NEw yonK IsEzAID
New York herald Bureau.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
EDITORIAL
Proctor for Governor

Continued from Page One)
governor of this commonwealth but afterwards Secretary OF
War in President Hanisons cabinet being generally con-
sdered the abest secretary since Mr. Cameron OF LIN
coins cabinet AS United States Senator he recognized
leader his aTagnment of the Spanish OurageS IN Cuba be-
ing the immediate of declaring Spain. Mr.
roco brother also served his state chief executive with
signal ability and had he lived would have been given higher
llOnOlS.
Reded Proctor is not seeking the office the record
his family but is we'll to recall that he became familiar
with public affairs long before he entered upon his successful
public Twice member of the lower branch In the
Vermont Legislature and the State Senate he served
while filling those offices chairman of the leading commit
tees both bodies and recognized leader During the
he resigned his responsible position chairman OF the
Vermont chapter of the American Red Cross to enlist In the
service captain of engineers. Until recently he state
treasurer of the American Legion and at the present time
vice president of the Vermont Marble Company the great
corporation organized by his father and president of the
Proctor Trust Company.
Redfield Proctor is Vermont product solid substan
ta and clean the marble in the hills where he born
lie has been weighed in his public service and not found
Wanting He is thoroughly familiar with the needs of the
and it's taxburdened people, His PLATFORM with which
our readers have been made familiar is constructive
gressve and practical He stands for the ideals that have
made this little state great state in many ways-known
from the Atlantic to the Pacficlas commonwealth of law
abiding industrious and contented people His nomination
for governor Sept ~ and his election Nov would
store confidence in statecraf stabilize industrial cOnd
ons and keep Vermont the front rank of the progressive
f0mmonWealthS OF our nation {
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
49,
we S-fsu-- ~.s@s - ss-- -

ing. Heck. On account of him all
ways thinking he's Mary Watinses
best fello, and | quick got off my
hands and on my feet, saying, /
knew who GU was all rite, cant you
iNeor eNel
Joak nuthing you thawt it was
Mary Watkins because | Jest pass
ed her coming up and she forgot
something and haG to go back, you
thawt | was Mary Watkins and
that's wy you was standing on
your hands, haw haw the ioaks on
you, you thawt | was Mary Wat
kins, haw haw who got stung that
time, hello Mary, the joaks on you.
And he bent ali the ways over as
if he was laffing so hard he could
ent stand up stratc and | wawked
away proud, to prove he dident eff
feet me eny, and the last time
looked at him vile | was terning
Ground the corner he was still
bent all the ways over and going
Haw haw.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
Cong. Porter Dale
Goes On Record
Continued from Page l


force it; and am opposed to all
proposals to make it noneffectivc.
6. Are you in favor of an Anti
Lynching Bill? The necessity for
action against the practice IF
Lynching which has become so in
human and common, overcame my
doubts as to a measure with pro-
visions which may not stand the
constitutional test, and | voted for
the bill as it passed the House.
Allow me to state as follows in
reference to your record of my
votes on measures named.
Woman Suffrage.
Your record is that | did not
vote. | have advocated this pro-
posal through all my political ex-
perience. Supported state suffrage
measures during two sessions in
Vermont Senate. Advocated sub
mission of Constitutional Amend
ment ever since | have been Il
member of the National House.
January 10, 1918, the proposal of
amendment passed the House by
one vote. When it was submitted
by Congress in May 1919, it
passed the House by II more than
the required majority, but | was
prevented from voting by the fol-
lowing conditions. At the close
of the sixty sixth congress, |
went to France to obtain informa-
ton respecting soldiers whose
cases would come within the jIris-
diction of the Committee on Ex-
penditures in Treasury Depart
ment, of which | had been made
chairman. My request by cable 10
be paired for the Amendment, was
denied for the reason that | could
not be counted as a member of the
new Congress until present to take
the oath of office. Therefore, on
the final vote, | am correctly re-
corded as not voting,
Prohibition.
Correctly recorded: Yes.
Army Bill.
| do not find any army bill on
which | did not vote.
On the bill, March 20, l voted
yes,
Navy Bill.
On this bill, March 20, you have
me correctly recorded as not vot-
ing, as | was in Boston and Gro
ton, Mass, engaged in taking over
by the government of the Groton
hospital for soldiers. If the inten-
ton is to get my attitude on
army and navy affairs, l would say
that | believe in substantial
number in both establishments. |
have little sympathy with the Of
fetal autocracy of the army, but
deplorable as they MAJ
be, still demand, in my opinion, as
large an army and navy as pro-
vided for in the last bills.
Child Labor, correctly recorded;
Yes.
Woman's Bureau. Correctly re-
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
Butter Scoring
Tests for August

The butter scoring educational
test for August was held on the
10Th at the Cold Brook Creamery
in Stowe. Thirteen different ere
ameries were represented.
The general quality of the but
ter entered was good for the sea-
son. There was not a notified
sample in the lot and the general
workmanship was better than for
some time. The most common
criticism of the judges was on old
cream, high and flavor. so common
during hot weather due to negli-
gence in cooling and infrequent
delivery of cream. The Importance
of pasturization was again en-
phasized by the fact that the two
highest scoring samples were both
paetuerized.
The highest score, 95.33, went to
the Milton Dairy Company, where
G. L. Holden as the butter maker.
OF the scores above 80, three
were from this part of the state;
South Peacham Creamery, r. H.
Lawson, 92.27; I.amoille Valley
Creamery at East Hardwick, W. A.
Vancour, 91.80; and Wella River
Creamery, II. l.. Lyster, 90.47.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
corded; Yes.

corded; Yes.
Interdepartmental Social Hy-
giene Appropriation recorded;
Yes.
Maternity Bill Appropriation re-
corded; Yes.
Advocated this against consid-
cradle opposition, as member Of
Rules Committee.
Redistribution Of the Civil Ser
vice Appropriation recorded Yes.
Parker Control Bill recorded.
No.
Hearings before Rules Commit
tee convinced me provision of this
bill not expedient.
Bonus. Expedient; Yes.
Think it deplorablc mistake
that Senate prevented any action
on this bill beyond the House.
Please be assured that | am
very glad to answer any question,
or submit my reasons for any vote
whenever you request it.
With every good wish for you
all, | am,
Sincerely yours,
PORTER H. DALE.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
LittletOn Is Scene of
Rival Clash Today

Continued from page one)
to take on Sherbrooke for another
game. The nine contest series OPP
ened in Sherbrooke 2 weeks ago
this coming Sunday when Witty
blanked the Canadians by a 2 to 0
score. Yesterdays, the second
game of the series went to the Ma
pie Leaf crew of ball tossers by
the score of 7 to 3.
Today both mines will be out
straight, Sherbrooke to tack anoth-
er defeat on the Scaletown gang,
and the latter to get the third
fracas of the eventful ser1es. The
opposing twirlers, according to the
advance dope, Sparsely handed out,
will be "Cuddy" Murphy and
Granai.
Friday, Bethlehem will be the
stalWart opponents of the Fair
banks nine. Manager Hoernle is
authority fot the statement that
the New Hampshire lads are COM
ing here with a strong aggregation
determined to set down the locals
with the small end of the score.
Saturday, Manager Hoelnle and
cohorts embark upon the somewhat
lengthy trip to Burlington and Sar-
anac Lake. Burlington will be play
ed on Centennial Field Saturday
and Manager Dan Sullivan's star
collection of ball toSsers will pro-
vide the entertainment on Sunday
and Monday, and possibly.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
Fred Oderkirk Fails
to Appear for Trial
(Continn red from page onel

(COntlnn 1ed from page JneD
ly issued for the production of the
respondent in court, after which
the case was continued until next
Monday at 8 o'clock, at which time
such further action will be taken
that the developments in the case
may necessitate.
The states prosecution on this
case is in charge of States Attor-
ney J. B. Campbell and Searles and
Graves are counsel for the re-
Spondent. The latter seemed to be
as much surprised as anyone that
Oderkirk did not appear in court
Thursday morning as arranged. 1t
is understood that after the case
had been definitely arranged for
Thursday morning at the hearing
Tuesday, one of the attorneys for
the respondent went to the Oder
kirk home in Danville to arrange
for the details of the trial, but on
going there the following day
found the house locked and the
family away. On inquiry at the
home of Mr.. Oderkirk's daughter,
Mrs. James LoV7rey, who lives on
neighboring farm, surprise was
expressed that Oderkirk was not at
home and nothing could be learn
ed further of his whereabouts.
The case has caused consider
able excitement in the community
where the principals lived, and this
last development is a matter of
much comment.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24

This AFTERNOON l was standing
down by the empty wall waiting
for something to happen and /
started to practice standing on my
hands agenst the wall, being pritty
good at it and all of suddin |
saw Mary Watkins coming home
from the milk store with milk, me
thinking, G, | know wat, Ill be
standing on my hands agenst the
wall wen she goes past and She IL
think I'm CRATE.
WITCH l started to do, ony no
body went past and kepp on
standing that way thinking, Gosh,
she certeny must be waWking slow
this is getting monotoniss.
And l kepp on standing that way
and l could feel my face getting
red outside and dizzv inside, and
after a vile | herd somebody start
ing to wawk past, after all land |
sed, Hello Mary, and somebody
elts sed, Who you calling Mary?
Being Pubs Simkins me think
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
Log of the
Yellowstone Hikers
Continued from Page ID

ering Cosgrove and Brown. Both
boys reported themselves as per-
fectly comfortable, however, and |
must have dozed off again. About
2 O'Clock CoSgrove aWoke me with
the outcry that he was lying in a
pond of water. Investigation show
ed that he was lying in a depreSs-
ion on the ground which was hold
ing a little pond some inches deep
and that both boys were pretty de-
GENTLY wet.
: Something had to be done. | got
them, up, sending Cosgrove into
bed with Lakey and Gage and Civ
Ding Brown my bed with Grant.
Fortunately, rather at the protest
of the rangers that we had done a
days work, before turnin0 in, |
had fallen a large dead pine close
to camp and Gage and | had log
ged it up into II foot lengths. Sew
eral of these were rolled onto the
nearly drenched out fire and | soon
had a cheerful blaze Pickering its
shadows out through the forest.
| The pack rope were stretched
around trees, forming a corral into
which the horses were driven to
catch them. This | took down,
forming a somewhat similar in
closure around the fire. The soak
ing wet blankets from the boys
bed were then hung to dry.
In the mean time the moon
Broke through and clouds and the
pain ceased, By judicious handling
the bed was dry at O'Clock. l
rolled myself in Its warmth |
quickly forgot all the discomforts
of the night. The next thing !
knew, long after sunup, the rang
.ers were replcnishing the fire and
making preparations for the morn
ting meal. e..
! With a great piece of canvass
land a single eiderdown quilt, the
!favorIte bed of the natives, spread
under the shelter of pine tree,
they had slept out the storm with
iout being disturbed. There were no
after effects of the wetting the
;boys had sustained and in the
warm morning sunshine the party
was soon as cheerful as ever.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
TEXTILE WORKERS TO
ARRANGE WAGES

LAWRENCE, Mass, Aug. "a
A conference between representa-
tives of the United Textile Work
ers of America and the Pacific
Mills Co. was scheduled today to
arrange for the return of the en-
ployees who have voted to accept
the wage scale made yesterday.
The dyers and fnishers union
which has not officially accepted
the offer ais omet today to con-
slider the proposal. Few pickets
appeared at the mills this morning.
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24
TRADES UNION HEAD
FACES EXTRACTION

CHICAGO, Aug. Z4-As II men,
captured in a raid in the woods of
Bemien county Michigan, faced
Syndicalism charges at~St. Joseph's
today, William 7. Foster, head of
the Trades Union Educational
League, leader of the steel strike
of 1914 and regarded as onssof the
foremost radicals Of America,
awaited extradition to Michigan.
In the meanwhile officials con-
tinued their search for 80 others,
said to have made their escape
when the secret meeting in the hills
was broken up. Among them was
Rose Stoke of New York, wealthy
communist leader. ffsF
The Caledonian-record. [volume] (St. Johnsbury, Vt.) 1920-current, 1922-08-24

THURSDAY, AUG "a, 922
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16

Most "Frencn briar' pipes actual
" come from Corsica, although the
Sfcilian briar root Is considered the
best.
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16

Lawn Grass Seed and Glover Seed
Williams, the Florist. 13S s. NIichi-
gan 81. 70.
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16
WALTER HELLER Is
NEIH FIRM MEMBER
Furniture Company Title Now
Changed to "a. H. Heller
and Son"

The Heller Furniture Co VIII In
the future be known as Heller and
Son Furniture Co.
A. II. Heller announced Wednes-
day that his son, Walter +. Heller.
who for some time has been credit
manager for the company, had be-
come a member Of the firm.
Mr.. Heller also announced that in
view Of the that fact he has secured
a 99-year lease on the present site
he would make some improvements
in his store. Among them Will be
an entire new store front.
The present business of the Hell
Ter and Son Furniture co. has been
built since 1909 In that year Mr..
Heller bought the stock OF w. z.
Smith & Co. He has installed many
new features which are said TO have
been more or less responsible for the
success Of the concern. Among
them was the installation OF a sky
light in order that rugs may be sold
by daylight; an exchange depart
ment whereby old furniture may be
taken in on exchange for new. and
campaigns of honest advertising.
Mr.. Heller is very optimistic re-
garding the future OF the furniture
business in South Bend. and in
tends to persue his policy of pro-
gressive business methods
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16
Marked Increase is ShOiUn
IN Buying Farm SuDpLies

The recent rise in farm products.
especially cattle and the cheerful
feeling now evident throughout the
agricultural territory has caused a
marked increase in the buying of
farm supplies.
This increase has been particu-
larly noticeable to the Perkins Cor
poration OF Mishawaka, which is be-
ginning 10 enjoy business prosper
ity far beyond expectations. Orders
are way in excess of production
partly due to the price adjustment
just completed on the Aerolectric
with a reduction of S155.
The Perkins Corporation is taking
on more men daily and its activity
means a very prosperous year for
the corporation Having as its main
product a system necessary TO every
farmland system having abso-
lutely no competition. at present. II
promises TO be one of the largest
concerns of its kind in the world.
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16
Rofaridns Tell HOtO They
Got Into" Their Business

How I Got Into My Business
was the subject discussed by num-
Der Of business men at the meeting
and luncheon Of the Rotary club
Wednesday noon. Many and varied
We're the experiences related as
having been responsible for the
VARIOUS businesses discussed.
w o. Davies, laundry; Col. c. s.
Bullock, director of municipal rec
reation Marvin Campbell. paper
box company; 3. l.. Slaughter,
monuments; A. NJ. Russell. under
takers; Rome Stephenson, banker;
George Wheelock. merchant;
George Robertson, dry goods; A. II.
Heller. furniture; w NJ. Banner.
jr.. Y. NJ G. A; l. p. Hardy. print
ing; David Guilfoyle, Standard oil
Co. were all ION the program.
After the talks w. NJ. Banner led
in the singing OF some favorite
songs Of the club.
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16
ANNOUNCEMENT.

Calvin Stertzbach. chirOpractor
has opened offices at 521 y. Main st
Lincoln 6S27 At
South Bend news-times. (South Bend, Ind.) 1913-1938, 1922-03-16

Aarr ,rry lft.' s1ys Dr Carey. de-
pruds uluu tHc perfect fuueriouiug auu
aealth 90 yru~ kidneys So whatever yoI
20 don neglect tIeu
llr tI-cya famous riptiou 80
90 SHOWN U.s. fllrsErr.r is nor recon
UeuCtt Cor ,very.l.u- but we taun-.
tuo strongly ur-. Iis u-t 70 Won suffer
trCm auuaNIuE bladder troubles. frequent
passing IS water rlE't ana day. with
su.4.tiu- or Irritation brick dust sedi
neuf Hr highly coiurel urine, bIoatiu-
IrrItahilitT with loss ~ flesh. backacks
Rheumatism or 1uy other tendency Co
ErtEhfs Disease. Dialects or Gravel TO-
kidney disease iu it- worst form NAV
be- stealing upon yog
Don't wait until tomorrow TO begin
fIo use Of This wonderful prescription
m yuH iIVr amy pf tl- above symptoms
D. .Jley Iul E.aGier troubles don't wear
trsy. They VIII -row upon Won slowly
srsatHiIy and with uufaliu- certainty.
Neyer W.ud the failures ~ the pJst
~ y1u even suspect tha, YOU are subject
tp Kidney Disease. dom, lose sing .c
usy for every good druggist has been
eIti orired 60 return the purchase money
or the Q rst two bottles o. an who state
;1.y have received uo benefit