davidaulloa/AmericanStories huggingface dataset:
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
A NEW BRUNSWICK |. MAGYAR
SIT. IMRE HERcEe FERFl Is N6I
BIS. Es TEMETkEzEsI EeYLET
ok oszTALYA, YOUNGSTOWN, o.

Gyuleseit tartja minden h6nap 2-lk
vasarnapjan SIT. Istvan Otthonban.
Elnok Gy0ri Mihaly, Is Bright Ave,
Campbell, Ohio. Jegyz6 Boncz Janos,
1853 Hartford Ave. Youngstown, Ohio.
Penztarnok Schmidt Istvan SS1 Rose
Street. Titkar Gy0rgy Tamas, ia
Tremble Ave Campbell, Ohoi Beteg-
latogatok: a West Sideon Boncz ia
nos; Campbellben Gy6ri Mihaly.
Balla Sander es Pejko
Vince. Nagybizottsagi tagok elnok0n
es titkaron XVIII Schmidt Istvan.
Egyleti orvos DR.. Elder Jen6, COL
Steel Street. Betegseg jelenthet6 az
elnok, jegyz6 vagy titkarnal fenti
- Hivatalos lap az Ameri.
kai Magyar Hirlap
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
YOUNGSTOWN (vARoSD
WEST SiDEl
MAGYAR POLGAR, KOR

Elnok Tausz B. Gyula. Aleln0k Ko.
vacs Miklos. Titkar, akihez minden
level kuldend6: Lengyel C. Lajos, 376
Scott St., telefon 3S014. Penz arnok
Hajdu Pal Ellen6rok: Id. Orosz Fe.
rene es Id. Mezey Janos. Nagybizott.
sagi tagok: Tausz B. Gyula es Len.
gyel c. Lajos. Pottagok: Orosz Fe,
rencne es Lengyel c. Lajosne. -
Gyuleseit tartia a West Sidei Me.
gyar Hazban minden honap 4-ik va,
sarnap delutan 2 oral kezdettel. -
Hivatalos lap az Amerikai Magyar
Hirlap.
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
PRo-HUNGARIA
MAGYAR NOk VILAGsz0VETsE-
GENEk YOUNGSTOWN oSZTALYA

Elnok Ozv Mihnk Sandorne Alel.
nok Jacko J6zsefne. Jegyz6 Csete
Sandorne. Titkar Banyar Agostonne,
kihez az egyletet erdekl6 levelek
kuldendok. Pentzarnok Kovacs Mix
losne. Ellenorok: Zu4y Ferencne es
Moenich Victorne. Wagon gondnok
Orosz Ferencne. Vigalmi bizottsagi
tagok: Gyomber' J6zsefne, Orosz Fe-
rencne es Guyt Ferencne. Nagybi-
zottsagi tagok: Ozv. Mihok Sandor-
ne es Horvath Antalne A Pro-
Hungaria gytileseit tartja minden ho
elso hetf6jen a West Sidei Magyar
Otthonban. - Hivatalos lap Amerikai
Magyar Hirlap.
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30

1OUU lIDcIl IdIIluGdCGuIlk dT-
ra biinos konnyelmisegre, a
mely magyar egyleteinket es
magyar tomegeinket ma
gyar nyelvu kommunistak
melle vezenyli es bebizonvitot-
TUX, hogy a "kozos front" mem
oszinte, hogy azon keresztul a
hiszekeny magyarokat a kom-
munizmusba csabitjak.
Lehettek olyanok - kul0no-
sen akik egy kicsit bodultak
mar a voros maszlagtol - a
xix nekiink mem hittek, akik
AIT kepzeltek, hogy mi talan
remeket latunk abban a szep
baratkozasban, amt kisutott
lit v0ros kezdemenyezesre ko-
zottiink.
Ezeknek a kedveert batrak
leszunk a Communist Inter-
nacional" december 20 j sza-
mabol idezni:
mi mem akarjuk titkolni
az egysegfront f0celjat. Az
egysegfront focelia megkony
nyiteni a tomegek athozata-
lat a kommunizmus oldala-
ra, a szovjet eszmek gyozel-
meert. Ez volt es ez lesz a
mi f6celunk mindig az egy-
segfront taktikajaval."
Well, lit van az a bizonyos
voros lolab", amirol par hete
AIT irtuk, hogy mi a nagy ke-
belre valo borulasbol is kilat-
juk.
Hat NIT szolnak ehhez azok
az egyleti es kozeleti nagysa-
gok, akik az egysegfront po-
diumara olyan nagyon siet
tex? Akik ait hittek, hogy az
eltakart vOros szin folott a
magyar nemzeti szin az oszin-
te?
S inert a magyar egyleteket
az egysegfrontokba kulonosen
csabitjak, jo lesz az egyleti We
zetoknek AIT is tudni, hogy
az vi Elore szinten mem rel
tette veka ala az egysegfront
celjait.
'HOzzatok be a magvarO-
kat az egysegfrontokon ke-
resztiil az IWO-ba. (Az TWO
a roviditett neve az Interna-
tional Workers Order newt
kommunista es step-up rend
seer mellett mukodo nem-
zetkozi egyletnek, amelyben
minden tag tagsagi dija
emelkedik evente, amig az
Greg korban a tiz dollart is
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
MAGYAR EcYHAZAK ES EGY-
A YOUNGSTOWN Is KoRNYEkI
LETEK NAGYBlZOTTSAGA
AIakuIt 1915-ben

Aidkuit tSIo-OSh
Eln0k Nemenyi Mikl6s Emo Els6
aleln0k Habodasz Gustav. Masodik
aleln0k Balasko Gyorgy. Titkar Go
ber Janos, 7S N. Bruce Street, akihez
minden level kildend6. Penzt4rnok
Mixich Gaspar. Ellenor0k: Brogly
Ferenc, Lengyel Peter, Lovas Lajos,
Hudak Peter. Hivatalos lap az Anne.
rikai Magyar Hirlap. Gyuleseinek
idejet es hely6t a hivatalos lap
kEzN.
A Nagybizottsagnak tagja lehet
minden Youngstown es k0rnyeki ma
gyar egyhaz vagy egylet. Celia az
Bsszmagyarsag erdekeit szolgalni
kepviselni es megvedeni.
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
N A P T A R T

NAPTART rendeljen most. Szi-
vesen elkuldjuk a naptart az
6hazaba is, ugyancsak Is cent
postak0ltsegert, ha el6fizet6-
ink a hazai pontos cimet meg
adjak.
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
(Folytatas (. 2-ik oldalron

'T1dsf2a eS ugy Otso'lyatJIE Oe,
hogy naennyiDel olcsobb min
den magyar egylet az IWO-ndl.
Meg ait is megtessziik, hogy
egy fatal korban beallo tag
adatait fogjuk feltarni es bon
colni, pedig kdztudomasu,
hogy a step-up rendszerben az
0reg tagok huzzak a rovideb-
bet.
ARA kerjuk minden egylet
tagsagat, de klilGnosen az
TWO tagsagat, hogy kiserje az
alanti szamokat figyelemmel.
Es olyan meglepeteseket ige-
rink, amelyeket mem irtak
belle az TWO kiadott ragalma-
70 kis k0nyvbe.
A kul0nb0s6 rdtdk, ahogy
ait az TWO az igassdg1aak meg
felel6en kimutatta:: Egg huss
cues tag fleet: A Rakoczi Egy-
letben $1.30, a Bridgeport
Szovetsegben $1.2O, a Verho-
vayban $1.36, az IWO-pan 72c.
Az elso pillanatra ugye ait
mutatjak eek a hazug sza-
mok, hogy az TWO a legolcsobb
egylet, a Verhovay pedig a
legdragabb?
Minthogy a Verkovayt mu-
tatjak eek a szamok a leg
dragabbnak, egyel6re a ket
mask magyar egyletet kihagy-
juk a szamitasbol es bebizo-
nyitjuk, hogy a legdrdgdbb-
nak ldtss6 Verhovuy mennyi-
Del olcs6bb az IWO-ndl.
Elsosorban tudnunk kell,
hogy aki a Verhovayba, vagy
akarmelyik mask orszagos
egyletbe beall husz ewes ko-
raban, az mindaddig ugyan-
ait a tagsagidijat fogja fizet-
nj, amig tagja lesz az egylet-
mex. Ha tehdt hatuan eves
less, ackor is csak annyit tiset
haUontd, mint huss eves ko-
rdban, naikor bedllt az egy-
Letbe.
Mem ugy mint az IWO-bao,
ahol a havidija mi7aden egyes
euben enaelkedik, ugy hogy
Greg kordban fiseti a tag a
legt0bbet, n1ikor ast a legke-
Oesbe tudja fisetni.
Aki tehat 20 ewes koraban
beall a Verhovay Segely Egy-
letbe, az fizet havonta, mind
addig, amig tagja az egylet-
mex, $136-ot.
Tegyiik fel, hogy ezt valaki
husz even at, negyven ewes ko-
raig fizeti. Lassuk, hogy NIT
fizet es NIT kap erte a Verho-
vayaktol?
Husz ev alatt befizet a tag
osszesen $326.4O-et.
Husz ev alatt kikap oszta-
lekban cca. $37.86-ot.
Tenyleges fizetesc volt hat
$288.54.
Husz ev mulva ez a tag ell
hatarozhatja, hogy 6 vissza
akarja kapni a tartalekjat,
vagyis beakarja valiant a kot-
venyet, amt megtehet min
den orszagos magyar egylet-
mel. Nezzuk, hogy NIT kap
vissza es nezzuk, hogy meny-
nyibe kerilt neki, hogy husz
] ven at be volt ezcr dollarra
4.alal esetere biztosltva.
Tenyleges befizetes husz
even at $288.54.
A k0tveny keszpenz erteke
$154.OO.
A biztositas teljes k0ltsege
hat $134.54.
Vagyis aki husz sv mulva a
kotvenyet bevaltja keszpenz-
re, az kap egyszerre $154-t, te-
hat annak a husz even at valo
biztositas belekeriilt mindosz-
sze $134.54-be.
e
/ Lassuk most mar, hogy mi
eppen fest ez az IWO-nal.
Az: 0n xx,-c ~
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30

AA% fOAAIc%, cAAASiy cAOl1Da11 LILO
gasabb egy ket ccnttel. De
fentebb ait irtuk, hogy eloze-
kenyek akarunk lerni az TWO
val szemben es megmaradunk
a 81 centes atlagnal.
Husz ev alatt befizet a tag
$194.4O.
Osztalekos kap 10000.
Tisztan befizet tehat $194.40
Minthogy husz ey multan a
kotvenynek mines tartalek er-
teke, nincs bevaltasi erteke,
termeszetesen mem kaphat
vissza semmit erte es ha mem
fizeti tovabb, akkor egyszeru-
en- bucsut mond az egyletnek,
meg a befizetett penzenek.
Belekeriilt hat husz ev alatt
a biztositas az IWO-ban 194.4O.
Belekeriilt hat husz ev alatt
a biztositas a Verhovayban
$134.54.
HuSs eU dldtt olcs6bb a Ver-
hovayban q bistositds $59.96.
Amint tehat lathatia min
denki, a hianyosan kozolt, il
letve meg mem naagyarazott
szamok hazudtak, inert bdr
ldtssolag a VerhoOay Segely
Egyletbep drdgdbt a bistosi-
tbs, val6jdban egg harmaddal
olcS6bb, mint az IWO-ban.
Hogy hova megy a kulonb-
seq? Kommunista propagan-
dara. Amt az TWO kiadvanya
ibolya szerenyseggel felvilago-
sitasnak, tanitasnak, egyseg-
frontnak nevez, az mem egyeb
kommunista propagandanal, a
kommunista lapok penzelese-
mel; es oda megy CT az a tobb-
let, an1ivel a bistoSitds sokkal
az IWO-ban, mint
akdrmelyik magyar egyletben.
Lassuk azonban, hogy mi
egyeb tortenhetik ezzel a husz
ewes koraban beallt egyleti
taggal, ha negyven ewes kora-
ban nem akar kiiilaradni az
es fizeti a tagsagdijat
a munkas-sors altal megsza-
bott elet hozzavetoieges hata-
raig.
Mondjuk, hogy mindket tag
meg tagja marad Is evig a sa-
jat egyletenek.
A Verhovay segely Egyletben
husz ewes tagsag utan, negy-
ven ewes koraban mem valtja
be keszpenzre a kotvenyet, S
mem veszi fel ait d 154 dollart,
ami az erteke akKor a kOt-
De nem is fizeti tovabb a
tagsagdijat.
Ebben az esetben q Verho-
uay Segely Egyletnek es a tag
ia meg teljes jogu, eser dolldr-
ra bistositott tagia naarad az
egyletenek IS evig es 9 h6na-
pig, inert a k0tveny huss eves
erteke, a 154 dolldr ennyi id6re
eleg a k0tveny eletben tartd-
sara.
Minthogy a kommunista
IWO-bd71 mines ertske a k0t-
Denynek, az ottdni negyUen
eDes tag, aki nadr huss eve fl
seta az egytetet, EenyteLe71 AIT
tovdbb tisetni, n1inden eDben
en1elked6 tagsdgdajjal.
Ebben a korban mar az
rohamosan enaelke-
dix a tagsd9dij es csak az TWO
javara tevedhetiinK ket-harom
centtel havonta, ma a havi at
lagot ere a k0vetkez0 Is eyre
es 9 honapra $1.27-ben allapit-
juk meg.
Befizet tehat a Verhovay
tag Is ev es 9 honapra $154.OO,
(vagyis a k0tvenyc fel mem
vett tartalekat)
Befizet havi $1.27-evel az
TWO tag ez id6re $240.O3.
T0bbet fizet Is eyre es 9 ho-
napra az TWO tag S86.03.
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30
MELYIK Nat AZ EGYLETEK KOzT A LEGDRAGABB?

jat keU fisetni, ha naindjdrt
gyerek korukban dlltak is az
egyletbe.
Most meg egy csekelysegre
hivjuk fel az egyleii tagok, s
kilonosen az TWO tagjainak a
figyelmet.
A fuzetben az TWO vezet6se-
ge AIT allitja, hogy a hatvan
even feluli tagok tagsagdija-
max a potlasara egy centet
vetnek XII minden tagra havon-
ia. (Mi ezt az egy centet mem
adtuk a fentemlitett TWO tag
tagsagdijaihoz.) Ez az egy
cent jelenleg italian eleg, inert
sok oreg tagja meg mines az
IWO-nak.
De mikor a tagok oregedni
kezdenek, akkor ezek a centek
termeszetesen mem f0d0sik a
10-12 dolldros tag5dgidijak es
a tagtol kert 1921 kulonbse-
get es akkor eljutnak abba a
valsagba, amibe a magyar
egyletek megoregedett tagjai
nehany eve eljutottak. Csak-
hogy amig a magyar egyletek-
ben As dollaros tagsagdijak-
kal talaltak szemben magukat,
az IWO-ban a 1O-12 dolldros
es meg asokndl is magasabb
tagsdgdijakkal tognak taldl-
kOsni.
A fe1ati ssdmokboI ldthatja
hat maindenki, hogy az TWO
Sokkal drdgdbb fatal korban
is a magyar egyletekael, ame-
lyekbe1 kesspens ertekkel bir-
nak a k0tvenyek, es amelyek
egg resse osstalekot ad evente,
de kul0n0sen nerhetetlenIl
drdgdbb az Greg KOREAN. Ere
nezve New York allan Insur-
ance Departmental ait irja
egy hozzajuk intezett kerde-
slnkre: However, we would
state that practically the en-
tire business of the Interna-
tional Workers Order is issued
on the step-rate plan, that is,
aOith the rates increasing
every gear 1Uith the advance IN
age and continuing eUen after
age IS, 1ohen the premiums of
course become EXCESSIVE"
(Magyarul: Az International
Workers Ordernek ugyszolvan
a teljes uzlete a step-rate ala
pom van, amely szerint a havi-
dij emelkedik a korral minden
evben, meg IS ev utdn is, ami
kor termaessetesen q tagsdgdij
TULSAGOS.)
Es ezeket a TULSAGOS-nak
nevezett ratakat semmifele egy
centes kivetesekkel nem tudjak
es mem fogjak 10 ev mulva po-
tolni. Mikor tehat q tagok ore
gek lesznek, vagy tudiak, vagy
mem tudjak az EXCESSIVE ra-
takat fizetni.
Amint azonban fentebb lat
TUX, az 0regseget sem kell
inert az elete Dirdg-
jdban, huss eves kordban be-
dllo tag is egyharnladdal t0b-
bet tiset a valosdgban az IWO-
ban, mint akdrmely;k orssdgos
magyar egyletben.
Az TWO kis konyve terme-
szetesen mem n1agyarazza
hogy amig a magyar
egyletek osstalekot adndk es
a k0tuenyek kesspens tartale-
kot teren,tenek, addig naluk a
tagsagdij t0bbletet kommunis-
ia propagandara koltik.
Az TWO kommunista propa-
ganda k0ltsegeire vissza TO-
gunk terni a j0v6ben.
Egyelore csak ait izenjiik
ujra azoknak az "egyhazi es
egyleti vezet6knek", akikkel
hirtelen olyan i,Soaratsapba
Amerikai Magyar hirlap = American Magyar journal. [volume] (Youngstown, Ohio) 1911-1942, 1936-01-30

EGYLET. KALAUZOK
Az "Aerika Magyar Hirap'
es koroknek hvataIos !apa eyre
official ORGAN Of the follow
ing Hungarian Churches, and Clubs
Evening star. [volume] (Washington, D.C.) 1854-1972, 1936-10-30
Gold and Silver Finished JeweIry

Not just one or two styles-but dozens-designed
to wear with your tailored tweeds and sports
frocks! smart collection of bracelets, two and
three strand graduated necklaces, earrings pins,
clips, matching buckles-and only One Dollar
each.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1936-10-30

Dress and tailored bags Of smooth
calf, pigskin, seal, fancy grained and
suede feathers. Fabric bags also In the
group! Large envelopes with inside
clippers, frame types, top zippers and
top handle styles! In black, brown
and the bright Fall colors.
Monocraft Initials add individuality to
your bas and cost only Csc to Soc each.
Kanns-Street Floor.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1936-10-30
SnIe-96O Pairs Of

Come early for these stockngs They're practical
they're good ookng Outstanding values, too at 69c
pair! Sheer clear rngless chiffons in four-thread
weghts-al with silk tops, pcot edge and garter run
stops All snag resistant and in Smoketone, Saunter,
Cafe Clair, Jaunty Leather Tan the most popular
shades this season.
Street,
The Waterbury Democrat., 1936-10-21
HARTFORD ASSN
 HOST TO MEMBERS
Credit Men of State tq
 Open Series of Joint ]
 Meetings ]

With the Hartford Association od Credit Men acting as host, taa Bridgeport, Hartford, New Haven and waterbury chapters of the Na- tional Association of Credit Msn will meet in the first of . series oN joint sessions at the University club in Hartford on Thursday evear ing, October 22nd.
 The principal speaker VIII pa Alan H. Temple, chef statistictan of the National City bank Of New York who will deliver an address on the subject Present Business cons ditoins and the Future Outlook MT. Temple is a graduate of ColIin1s bia university and has served on its faculty. Prior to his aSsocla~ ton with the National City bank he was active in the publishing feild and was editor of the magaMne Commerce & Finance.
 He is keen student of economic conditions and his talk which VIII deal with present business CQpdts tions will touch upon the current economic problems in which buet< ness men are interested.
 A dinner will precedc the meet~ ing.
The Waterbury Democrat., 1936-10-21
RECOVERY TREND
 REMAINS STEADY
National Elections Ap- prOach Failed to Check
 Business Return
(By the United Press)

Wellesley Hills, Mass, Oct. 14.- Even a major war would inter- rupt American economic recovery only temporarily, the annual Ma tional Business Conference was told today by H. Clyde Baldwin, of the Babson Statistical Organization.
 Speaking of the vitality of this years recovery trend" he said, "as yet this trend appears to be rela- lively unaffected by any uncertain ty over the coming election. This bears out the position that we have always taken, that business is big ger than any politician or any political party"
 French devalution, which has been absorbed by the stock market very satisfactorily, should give re- newed confidence in the business and market outlook, he said.
 Tt is not time for any planned overt act to bring on war. Only 6 very serious unplanned overt act could precipitate. war at an early date So far as our investment policy is concerned. we would waste no thought whatever on European troubles. Even a major war could only temporarily interrupt our re- covery."
 MT. Baldwin said the market as 8 whole had not seriously over- reached itself with respect to earn ings and earnings prospects, and predicted gradual improvement in employment.
 Danger of imitation will increase if President Roosevelt is reelected, according to MT. Baldwin, because of federal borrowing to meet deficits.
The Waterbury Democrat., 1936-10-21
Waterbury Witnessing
 Gains In Employment
All Businesses Sharing Upward Swing in Economic
 Circles-34,5l9 on Local Payrolls, Figures Show

factor in Waterbury's economic res coveyy. Railroad and .truck ships ments have increased steadily, bank clearings, debits and savings are considerably higher than they were several years ago, electricity and gas consumption has advanced, and there is a steadily increasing build- ing campaign in progress.
 Business men are wary of "boom@ talk, and they admit privately that the city's prosperity of 1886 is on q firmer basis than the bubble" prose perity of 1928 and 1929 which needS ed only the fall of the stock mare ket to deflate 1t. Business programs are being carried on with real con- f1dence and with definite views o1 permanence. Business leaders are taking long range view in their programs, and are planning for years ahead.
 The city's major factories ara steadily busy, and have been for months, even the usual summer Hull failing to come this year. There is no reason to look for any sudden let-down, say observers, and fur. ther steady increases are predicted.
The Waterbury Democrat., 1936-10-21

Rudy VeIIee is trying to attain
 he ehoWnen's ideal of . perfect variety program for his seventh an- HiveEsary broadcast Thursday night, AEi1 on the show include Noel Cow ard and Gertrude Lawrence; Tom Howard and George Shelton; and just recently booked, Gypsy Rose Leo, famous burlesque and musical comedy entertainer; Q melodrama called ~The Clock Strikes" and an 1nktrumentalist
 The broadcast over the NEG red network at 500 D. m. (EST) of- 4sts Noel Coward and Gertrude Lawrence in light comedy of the English type; Howard and Shelton 1n more robust frivolity; Gypsy Rose Lee as a featured singer in q number written by Noel Coward and called Don't Put Your Daugh- ter on the Stage, Mrs. Worthing- 16n: "the instrumental number; and the melodraEna which is being htnhdcast for the first time.
 me melodrama, '"The Clock Strikes" was written by Agnes Rid9eway. During the history of the vhllbe Hour many writers have written their first radio work for
The Waterbury Democrat., 1936-10-21

have grown and expanded-and so have independent stores. A great spur to independent store growth and betterment has been the crea- tion of large-scale buying organiza- tions, patterned after the chain sys- tems, which enable their members to reduce in-between costs and so sell goods cheaper.
 In no country in the world are there so many opportunities open to the little fellow as in the United States. Even during depression, 8 host of small businesses, retail and manufacturing, were started and though the going was hard, many of them managed to pull through and are now on the way to prosper ity. They are succeeding because they give good service-the small business can often "get the jump" on big business by providing per- sonal services that 8 large organ izations can not-and because they meet 8 public need.
 There are no signs that the day of the small store and the small factory is over. There are signs that these small enterprises can look forward to profitable futures. That is as it should be. Here in the United States, as in nowhere else in the world, the little business and the big business exist side by side, and are a testimonial to the sound- ness of the American way of life.
The Waterbury Democrat., 1936-10-21

With 10000 more people at worl here than there were 10 years ago, analysts who have studied the bus mess situation carefully in Water bury believe that the peak employ rnent levels of 1929 will soon be surpassed. Employment has led the way in Waterbury's recovery from the doldrums of the depression year, and last months business survey of the Chamber of Commerce showed that employment was 1928 per cent as high as it was in September, 1929.
 In September, 1929, Waterbury's workers totalled 35,038. The em- ployment total began dropping shortly after and in September, 1882, three years later, there were only 24,343 people regularly em- ployed. Last month, four years af- ter the 1892 low mark, there were 34.5l9 people working here, ex- elusive of those employed on WPA or other work-relief projects. Fac tory employment alone gained by almost 900 in September, and is re- ported to be gaining steadily again this month.
 But employment is not the only
The Waterbury Democrat., 1936-10-21
LIFE INSURANCE
 COLLEGE SUBJECT

It has been recently proposed that comprehensive course in life in- surance be added to university cur riculums.
 This would not be course for budding life insurance salesmen. Its purpose would be to instruct young men so that they can more intelligently and scientifically pur- chase insurance protection.
 There is considerable merit in the proposal. It is estimated that 10 to 15 per cent of the earned income of business and professional men is invested in life insurance. And 1t is an undeniable fact that many of these men buy insurance in a more or less helter- -skelter fashion, and are incapable of selecting the pol icies best suited to their needs.
 A simple course of instruction that would show us how to buy in- surance wisely, would be of iI1i- mense and lasting benefit.
The Waterbury Democrat., 1936-10-21
-:- Business and Industrial Review =
''Little Businesses"
 Backbone Of America
Little Fellow Has Worlds Greatest Opportunities in
 U. S.-Independents, Chain Stores Expanding

America is primarily a nation of "little businesses"-in spite of all the talk we hear concerning "big business" This is especially true of the retail field.
 According to Dr. G. w. Dyer, professor of economics, Vanderbilt university, in 1929, there were l. 230,300 independent stores in ex- istence and 144,598 chain stores. The independents employed more than 100000 persons, while the chains employed over 100000.
 Expansion
 Exact figures are not available for later years, but it is the general consensus of opinion, based on va rious surveys, that the situation has not changed greatly. Chain systems