davidaulloa/AmericanStories huggingface dataset:
Milford chronicle., 1925-05-01

DAYLIGHT SAVING has never
appealed to the people of rural Del
aware, and working people, as well
as the mothers of children who at-
tend the public schools in the city of
Wilmington, are opposed to observ-
ance of the foolish plan in that city.
There is no reason why any individ-
ual who desires to arise one hour
earlier each morning, or retire one
hour earlier each evening, should
not do exactly that each day of the
year-Or for any part of the year
if they want to do so. The mothers
Of Wilmington have made formal
remonstrance against carrying out
the plan of setting clocks ahead one
hour, and observing that time as reg
ulatory of the various activities of
the day, until the last of September.
They object on the ground, that it
creates additional work for the wo-
men, increases their work because
of the children's meals and general
disarrangement of the household,
causing discord in their daily pro-
grams. 1t is a foolish custom to
force upon any community, and will
cost the business interests of Viii
much from the lower coun-
ties, if it is persisted in by their
City Council.
Milford chronicle., 1925-05-01

other lending organizations, thereby
making homes available to a far
greater portion of our population
and eliminating to larger extent
the evils incident to the second
mortgage.
IL was shown in a recent survey
That the average discount on second
mortgages amounts to 14.3 per cent,
far too great burden to impose on
the home-buyer or home-builder;
and the association, to the extent it
replaces second mortgages, is not
only increasing the available funds
Tor the borrower, but is also reduc-
ing the ultimate cost of the home.
Encourage Saving
Further, it paves the way to in
creased home-ownership through
the encouragement of systematic
saving, by installment investment in
It's shares" whereby the initial
fund is created which will enable
the Would-be home-owner to borrow
a sufficient sum from the association
to buy or build the home he requires
By the monthly payment of a sum
usually equivalent to the rental
value of the home in question, prin-
clpaI and interest of the loan may
be fully paid in about II years.
1t is estimated that the ordinary
borrower on straight mortgage for
similar purposes averages II years,
due to the lack of the systematic
method of frequent amortizing pay
ments.
The association loan usually costs
less because the one transaction of
appraisal, title search, ETC., covers
the entire period, whereas frequent |
renewals of the straigh loan usually /
entail repeated payment of such |
costs and possibly a renewal COM
mission. The cost of interest is not |
essentially different from the ordi-
nary loan, but the borrower, as a
saving member likewise in the mu-
5ual concern, shares in the profits
Of the association.
An incidental feature of associa-
lion loans is the method of dealing
with those borrowers who through
misfortune become involved and are
Unable to meet the required pay
nents. As debtors, such borrowers
must avoid incurring any loss to the
association; as members, they are |,
entitled to, and usually receive
and helpful cooperation in
Milford chronicle., 1925-05-01
@o@
A SCORE CARD FOR RURAL
SCHOOL BOARD MEMBERS

We have long had score cards fol
the purpose of rating school chill
dren, score cards, and certificates
both for the purpose of rating tea.
chers and, in some States, certii-
Gates showing educational qualifca-
tions of school superintendent. Now
comes the Department of Rural Edu-
cation of the Kansas State Teachers
College at Pittsburgh, with a score
card for rating rural school board
members. This card is said to be
widely used in certain parts of Kan
sas. 1t should be of direct benefit to
the schools and the children. After
all, few officers for whom farm men
and women vote are entrusted with
more important responsibilities than
school board members. Unfortunate
ly, many farmers go to the school
election and vote for trustees or di-
rectors without having given careful
attention to the qualities of those
for whom they vote. In many
States school board members will be
elected during the spring and early
summer months. They will decide
such important questions as: How
shall the schoolhouse be lighted,
heated, and ventilated; how safe
guard the lives of the children
through satisfactory sanitary con-
ditions of the school and school
grounds; what kind of tools will the
teacher and children have to work
with next year in the way of IL
braries, reference and textbooks,
maps, and other teaching materials?
Most important of all, they will de-
eide upon the educational, profess
siOnal, and personal qualifications of
the teacher. According to the Kan
sas score card, candidates for rural |
school boards should have a good |
common school education, own their
homes, read a standard farm paper,
and at least one magazine of recog-
nized worth, be in favor of spend
ing money for well-trained and eff
1cient teachers and of retaining such
teachers once they have been found,
and, Of utmost Importance, should
have expressed themselves as be-
ieving that rural school boys and
girls should have as good buildings
ind equipment, as well prepared and
efficient teachers, as good supervis-
on of instruction as have city boys
md girls. Other desirable qualifca-
ions are enumerated. The Kansas
state Teachers College at Pitts I
,urg will furnish a copy free of !
barge.
Milford chronicle., 1925-05-01
%OeS
SOMETHING NEW COMES FROM
CALIFORNIA

In California they have organized
an association which will bear
study. Its name is the Better Amer
lea Federation and among it's OBJ
jects are the following:
To reawaken in America a reali-
zation of the responsibilities of cit
izenship.
To induce more general and in
telligent acceptance of those respon-
sibilities.
To oppose, through printed and
spoken word, all efforts to substi-
tute any other theories of govern
ment in place of the Constitution of
the United States.
To oppose the development of
class consciousness and the class
domination of government, business
or society.
To support the employer and en-
ployee in all the rights guaranteed
them under the Constitution of the
United States.
To defend the rights of private
property as the only practical in
centive to the full exercise of indi-
vidual energy, skill and thrift.
This is a program which every
real American can subscribe to.
Most of the attacks by the reds and
radicals in America are centered on
the Constitution of the United States
because they know that so long rs it
stands as a sentinel of the people,
there will be no chance to substi-
tute other schemes of government in
the United States.
Half baked theories Of govern
ment which can have no standing
except in the distorted minds of |
those who give them birth, will not |
stand up against the Constitution,
and so long as it continues to oper-
lte the preachers Of communism, So
,ialism and anarchy will make little
Roadway in the United States.
Milford chronicle., 1925-05-01
MinviIle

Mr.. and Mrs. Isaac West and chill
dren mOtOred to Camden, N. j., and
| spent the weekend with relatives
| there.
Roy Murray of New York and Miss
Fannie McAllister of Philadelphia
called on friends in Millville on Sun
day.
We are glad to report Mrs. Virgil
D. McCabe much improved at this
time. Mrs. Samuel Tubbs of Roxana
is spending some time with Mrs. Nc
Cabe.
Lester Phillips of Newark has
come to our town TO engage in the
mercantile business.
Miss Hilda Cobb visited friends in
Ocean View on Sunday.
Mrs. Clara West has purchased a
new Essex coach.
Mrs. Anne c. Anderson was taken
suddenly ill last week but is out
again at this time.
Mrs. Lanta Wharton is confined to
her room with the mumps.
Uncle Joe Hastings is spending
some time with relatives near Rox-
ana.
The early farmers in our vicinity
are planting their corn while some,
of the later ones are still plOwing. V
We are proud to say that por-
ton Of the new cement road to
Frankford has been cleaned off and
opened to the public.
The Ladies Aid Society of St.
M. E. Church will give a
hat social in E. A. Townsend's store
house, Saturday evening, May End.
Ice cream will be on sale.
Milford chronicle., 1925-05-01
Milton

The Guild Of St. John Baptist P.
E. Church will meet at the home of
Mrs. AleXine Collins on May 9th.
The Milton New Century Club held
a progressive card party in the club
room Tuesday evening, April 28th,
Mrs. Ida Fox, chairman.
The out of town guests were Mrs.
VIM. Chandler and daughter Sara
from Scranton, Pa, Mr.. and Mrs.
Howard Stewart, Mr.. and Mrs. Thos.
Purnell, Mr.. and Mrs. George Walls,
Mr.. and Mrs. VIM Mustard, Mr.. and
Mrs. Cyrus Hatfield, Mrs. Julian
Townsend, Mrs. Bessie Hudson and
Miss Minnie Kreer from Georgetown.
Mrs. Purnell was the winner of the
prize in five hundred and Mrs. Stew
art in bridge. The hostess served de-
licious fruit salad, saltines and cof-
fee.
Milford chronicle., 1925-05-01

such handling of the matter as will
bring the best results to all con-
cerned.
Purchase of Shares
These associations generally limit
loans TO members (shareholders)
who are required to own shares
equallng in maturity Vaule the face
of the loan desired. However, it is
rot generally necessary to become a
member in advance of making appli-
cation for a loan. Approval loans
are usually made in the order in
which the applications therefor have
been filed with the association.
In some of the older, well stabil-
lied communities an association will
lend as much as 80 or even so per
cent of the value of the property.
A few states do not permit an asso-
citation to lend more than so per
cent. The shares represent a sink
ing fund to be built up through pay
ment of weekly or monthly sums,
until, with their semiannually de-
clared (and compounded) profits
they equal the face of the loan, when
they are applied to pay the loan, and
the whole transaction is closed. At
the time of making these periodical
payments, interest for the period is
also paid, the amount of the COM
bined payment depending upon the
approximate maturity, interest rate, !
ect. 1t is usually from $40 to S12 /
per month on each $1,000 borrowed. |
Paying OF Loans
The time required to pay off a loan /
depends upon the amount of each .
periodical payment of dues, and /.
The rate of net earnings, or dividend .
maintained during the life of the
loan. For example: if the monthly
dues on $1,000 amount to $5 and the
dividend rate is per cent a year,
he loan will be repaid in about 139
If the dues or interest rate
)r both, are increased the time will
De shortened; if decreased, the time
vii be heightened. It is customary
% permit the borrower to hasten the
maturity by additional payments, or
o repay the entire loan at any time
without eXacting advance interest.
The majority of states having any
lppreciable building and loan de-
'elopment have had no building and !
Oan failures for many ears, the I
epOrts revealed, and IA states re- ]
'orted no record Of any building and
Milford chronicle., 1925-05-01
BILLIONS SOUGHT
FOR new HOMES
Building And Loan Groups Big
Program Outlined.
By FRANK A. CHASE

KANSAS CITY, Mo.-To say that
the building and loan association
is the greatest home builder is nc
exaggeratiOn. Millions of families
have been provided with homes by
these associations through loans,
and 40 per cent of all mortgages on
American homes today represent
association loans. The revolving
fund so employed is now consider
ably in excess Of $4,000,000,0 haV-
ing practically doubled during the
last four years
It is estimated that 100000 homes
were acquired through association
loans during 1924 Possibly half
were for new construction.
More than One-half our pOpuja-
ton are still occupying rented quar-
ters and, in spite of improved con-
ditiOns, there remain millions who
are inadequately housed. Our goal
is "a home for every worthy family"
The latest slogan designed to reach
that goal is, "Ten billions for as
sOciatiOn loans by 1881, the one
hundredth anniversary of the estab-
lishment of the first association in
JuIS COuuJIy.
Cooperation Trend Evident
Cooperation is in evidence as
never before and these associations
are the outstanding example of
unity of action in America.
Not only is this fundamental en-
plOyed to the profit of saver and
borrower alike, through the elimina
ton of unnecessary expense, but also
with a distinct trend toward lower
loan costs, methods are coming into
vogue whereby, as through clearing
house methods, better distribution
Of available funds will be made.
In general, the building and loan
association offers a larger loan on
given home than is available |
through first mortgages provided by
Milford chronicle., 1925-05-01
OUR WASHINGTON LETTER
(By National Editorial Association)
Especial to Chronicle)

(By National Editorial Association)
Especial to Chronicle)
Washington, April 20 - Officials
here are somewhat agitated over a
recent statement by one of the fore
most authorities on government that
'the. taxpayer is the prize boob of all
times" The wave of economy which
has been sweeping the Government
for sometime may be followed by an
inquiry into competency of those in
the public service.
Already the chOpping of heads, so
to speak, among government en-
ployees due primarily to economy
measures, has been felt in every
congressional district where these
discharged Federal employees have
friends and relatives. The approach
of June 80, which marks the end of
the fiscal year, is causing consider
able concern among the thousands of
Federal workers for their jobs are
obviously insecure.
In response to an urgent public
demand for further reduction in
taxes, departmental officials are
pruning their lists very carefully in
an effort to rid themselves of dead
wood" or useless employees. 1t is
delicate operation involving the |
displeasure of senators and con-
gressmen whose constituents are af-
fected by these proceedings.
There has been a steady and |
rather rapid reduction in the ex-
penses of the Federal Government
since 1920 as the heavy drain due to
various war and postwar activities
has ceased. There is no satisfactory
index Of the per capita cost of gov
ernment employees as no detailed
statistics have been compiled for
sixteen years.
Excluding those in the military
and naval establishments, the tax
payers contribute to the annual pay
roll of approximately $7S5,OO0,0OO,
for 555, 1000 Federal workers. Follow
ing the armistice, there was a reduc-
ton of about 225,OOO employees COW
cred by the Civil Service. Further re-
ductions have brought the number
up to about 965,OOO These figures I
do not include the hundreds appoint t
ed by congressman as political pat
ronage outside the civil service. :
More than $4,000 appointments are
made annually by the Civil Service
to vacancies caused by c
removal and death. The
Milford chronicle., 1925-05-01
SoG

WHAT CAN WE DO with the chill
dren during the summer months
This may be a serious problem in the
cities, but there is not much danger
that children in the country will get
into mischief on account of idle
ness. There is plenty of work to DO
there and it need not be hard work.
Near to nature it is health promot-
ing, body building work. The coun-
try schools will close soon and the
wise teacher will give to each one
of her pupils some easy mental task
for the vacation. They are not dumb
driven cattle. If John keeps his
brain busy while helping his father
in the cornfeld, and if Mary is alert,
asking why this and that is done
while helping her mother with the
canning or feeding the poultry, both
the children will have interesting
stories to tell the teacher when
school begins in the fall.
Milford chronicle., 1925-05-01
0oo

APPARENTLY WE HAVE for
gotten a few of the erstwhile simple
things in life. A backward look will
reveal them as the big things. Get
the habit of happiness. Utilize your
enthusiasms. The world is hungry
for faith. The young man is the fu-
ture incarnate. Let every failure
teach you the game. Public conf
dence is the young mans best as
set. Get down to earth; that is
where the people live. The world is
not down on you; it is just busy,
that is all. A man who won't get up
when he is knocked down is of no
use. These are all workable prob
lens.
Milford chronicle., 1925-05-01
%Ooe
YES, BUT THIS ONE is
DIFFERENT

The popular clamor of the Ameri-
can people, is for Something differ.
ent." In the last few years the de-
mand for fake oil and mining stocks
has shown a steady decline, not be-
cause oil promotion or mining has
lost any of its romantic glamour,
but because these securities are out
of-date, except in a few sections of
the country. The vogue is for fake
whiskey, fake fox farm stocks, fake
patents, fake trust schemes, fake
radio stocks and fake anything that
the ingenuity of the security char
latan can represent as different. Not
many years ago the faker was
preaching altruism, and selling fake
securities. Today he is initiating the
legitimate investment dealer, warn
ing against fraud and excessive re-
turns, and selling more fake securi-
ties. Because he is somewhat of a
psychologist, the swindler continu-
ally employs new processes and new
methods, but whether he is Offering
stock in Bayano land scheme or an
automobile accessory company, the
value Of the security he is selling
never changes. The aircraft con-
Germ stock which foated across the
country in the wake of the Shenan-
doah was just as valuable as the oil
stock offered by DR.. Cook. Both cap
italized the desire to get something
for nothing quickly. Both sold read
lily because they looked different.
Be wary of the stock salesman
who comes to you with Something
different" Even when they are Ie-
gitimate stocks in new enterprises
are highly speculative for the aver
age individual. Stocks in Some
thing different" are always danger
GUS, and ninety times in a hundred
are worthless. The only safe in
vestments for the average investor
and the only investments worth con-
are the stocks and bonds of
enterprises with a record for earn
ing power, honesty and stability.
they are not different. They may
not hold out promises of sudden
wealth, but they do promise wealth
hat is sure. Unless you can afford
o lose money make it a rule never
% invest in a company that repre-
jents hopes and ambitions, and if
7Ou are unable to determine the
worth Of any security go to your
Danker for advice.
Milford chronicle., 1925-05-01
Gravel Hill

Mr.. and Mrs. Robert Belts of
Prime Hook Neck were the guests
of Mr.. and Mrs. Lloyd Davidson on
Sunday.
Mr.. and Mrs. Chas. Wilson of Mil
ton and Mr.. and Mrs. Frank Ward
and children of near Sand Hill were
the guests of Mr.. and Mrs. Chas.
Palmer on Sunday.
Mr.. and Mrs. Robert Veasey of
Redden and Mrs. Simon Walls and
children of Rehoboth were the
guests of Mr.. and Mrs. Luke Glen
daniel Saturday afternoon.
Milford chronicle., 1925-05-01
MILFORD, FRIDAY, MAY 1, 1925

NO SECRET HABIT, when indulg-
ed, ever remains a secret. Evil
thoughts have a life and power all
their own. Buddha long ago taught:
"The mind is everything; what you
think you become" Solomon ear
lier wrote: Keep thy heart with all
diligence; for out of it are the is
sues of life" And yet there are
those who think they are wiser than
Solomon or Buddha.
Milford chronicle., 1925-05-01
2eS

THE TAXPAYERS OF MILFORD
have been called to attend a mass
meeting in the Armory Hall next
Wednesday evening at 8 o'clock. The
purpose of the meeting, as outlined
by Mayor Frank Reedy, is to discuss
the proposed bond issue for the ex-
tension of Milford's sewage system.
At the last session of the General
Assembly enabling legislation was
passed, which if approved at a ref
erendum of the citizens of Milford,
will allow the floating of a bond is
sue of $4,000 to do this work. An
exhaustive survey of the town was
made last year by R. C. Beckett,
State Sanitary Engineer, who sub
mitted the results of his inVestiga-
ton and survey to Town Council
upon completion. The recommen-
dations are comprehensive and if
they are adopted will place Milford
as a leader among the towns of the
state, so far as sanitary sewage dis
posal is concerned. At the meeting |
next Wednesday night Mr.. Beckett |
will be present with maps and blue |
prints of the proposed work for the
town. He is familiar with the needs
and requirements of Milford so far
as sewage facilities are concerned,
and will be prepared to answer any
and all questions pertaining to the
proposed work. DR.. Arthur 7. Davis,
executive officer for the State Board
of Health, will be at the meeting to
give information as to the necessity
for the proposed sewer extensions.
The meeting is one of Importance
to every citizen and to every tax
payer in Milford. For that reason, if
for no other, large attendance
should record at the gathering. I'm
der the enabling act providing for
the bond issue, nothing definite can
be done at Wednesday nights meet
ing; but, the citizens may gain val
liable information on the subject by
The law as passed by the {
last legislature provides, that sixty !
days notice of a referendum vote
shall be given before a special cleo I
ton can be held. Such notice the !
Mayor and Council propose to issue I
following Wednesday nights meet t
ing. The referendum will be on a /
vote basis, each taxable be- S
ing allowed as many votes as he t
pays dollars in taxes annually to the t
,oWn of Milford. t
The proposition is one of real i'm
oortance to the citizens Of Milford, +
both from a sanitary viewpoint and e
rom a monetary angle, and it will Il
,e well for all citizens and taxpay- s
rs to attend the meeting to hear a
he matter discussed at length, and a
earn first hand, exactly where and G.
ow the town will be benefited. h
Smyrna times., 1925-03-11
SUPREME COURT ON BUS LINES
Will Help Bring Farm and City Ser
vice in Touch With Wilmington
and the Whole Peninsula

The recent decision of the United
States Supreme Court relative to in
terstate traffic by incorporated motor
bus lines will have a significant bear
ing upon the shippers. 1t means an
outlet for farm produce on the Mary
land-Delaware peninsula. Sometime
ago the Bush Line of Wilmington,
whose officials carried their fight to
the Supreme Court for a final deci-
sion as to their rights, operated a
line Of motor freight trucks through
a number of the counties on the East
ern Shore, and it met with a hearty
response from the shippers who found
its busses a very convenient method
of finding a market for their produce.
The shippers were very much cha
grined when the line was ordered to
be discontinued, because since that
time there has been no way by which
the shippers could so conveniently
ship their produce and at such cheap
rates, and if the service is re-estab-
lished under the ruling of the Su-
preme Court there will undoubtedly
be a strong swing of shippers to the
truck line. The decision is also said
to affect the status of motor bus pas
senger lines going into territory now
operated and practically controlled by
private individuals or corporations
which had been previously granted
and exclusive franchise over routes
similar to the Observation-Disclosures
and the ChestertOwn-RO Hall lines.
Those in a position to know state that
the decision will give any corporation
or individual the right to operate a
I passenger or freight line anywhere in
the state or outside the state, under
which provision the Shore Transit
Line which has been running a num-
Der of lines cOnectning the Shore
towns will be given the right to oper-
ate between Maryland and Delaware
or where there is at present a line
operated under an exclusive grant. II
the decision of the Supreme Court
holds good notorious traffic on the
peninsula will be revOlutionized ant
/ travel will be made easier and much
! cheaper.