davidaulloa/AmericanStories huggingface dataset:
Montana labor news., 1939-02-16
Live and Let Live"
By DIR. CHARLES STEELE
Executive Director, Good Neighbor League

A~~N@f N~N 1O0 -NN6E
When the average man gets to the point
where he boastfully declares that he has
taken for his motto for life the slogan Live
and let i've" he often imagines that he is
practicing the height of unselishness and
fairness to others.
1t is quite true that in the world of com
petition, in which men are ready to destroy
anything or anyone that stands in their path
toward success, it is an admirable trait to
give the other fellow a chance for his life,
when so many others are ready to "moW him
down." to quote Charlie Mccarthy.
And yet, in a sense, all that is promised is
that he will let the other fellow alone. He
will let him live if he manages to survive.
That is, he won't put anything in his way
which will keep him from living. And this
is certainly an advance on the philosophy
of dog eat dog"
But there's another consideration which
should be kept in mind. It's basis is found
somewhere in Scripture, although it has been
widely quoted with variations, namely, mo
man liveth unto himself" None of us can
go through life without affecting others lives
for good or i'll. The way we live vitality
affects the lives of our associates, our friends
and neighbors.
Booker T.. Washington once said that we
cannot keep a man in the gutter without
getting into the gutter with him. And l
think it was George Washington who said
that I'VE had better hang together, or we
will all hang separately"
I'd like, therefore, to suggest a further
consideration of the motto we are discussing.
Write it this way: LET live, and live" This
means that it is only as we let the other
fellow live that we ourselves shall live. It's
a matter of self-preservation. If the other
fellow goes down, we'll go down with him.
But we can't stop here. There is still too
much selfshness in this expression of our
interest in the other fellow, if we are to
accept it as our life's motto. There's another
Scripture verse which should be considered
in our discussion. It is the principle laid
down by Jesus. This great Teacher once
declared: Gle that saveth his life shall lose
it, and he that loseth his life for my sake"
and that means for the sake of others-"shall
find it." One could write the history of all
human progress around this declaration.
Mrs. Eleanor Roosevelt recently said: 81
will do more than live and let live; I will
live and help live" That's the idea practi-
cally stated. It is the whole philosophy of
being a Good Neighbor.
Montana labor news., 1939-02-16
HISTORY OF STATE
LABOR RELATIONS ACT.

HELENA.-Just a few lines to let
you know about the action taken by
the House on H. B. 172 little Wag-
ner Act). The bill which had been
in committee for several weeks had
been amended by the subcommittee
and referred back to the committee
on labor with the recommendation
that the amendments be included in
the bill. The amendments merely
provided that a board be set up
consisting of the state auditor, the
attorney general and the labor COM
missioner. The amendments also
took out of the bill the Objectionable
features which were protested by
the opponents at the public hearing.
Even though, in its present form, it
merely provided for setting up
machinery for compulsory collective
bargaining, the opponents wanted to
kill it on general principles.
The labor committee reported the
bill out as amended without recon-
mendations. Spiegel moved the
adoption of the report which carried.
Then Spiegel moved that the bill be
printed and placed on general orders
for consideration. O'Connor of Car
bon Immediately moved that action
be indefinitely postponed. This
motion was discussed at length.
There were no opponents to the bill.
The proponents, led by Spiegel, were
Brown and Sullivan of Silver Bow,
Moss of Custer, MCGEE of Jefferson,
Murray of Deer Lodge, and DeDob-
beleer.
The first six, representing labor,
called attention to the fact that if
the state of Colorado had had such
a bill years ago, there would have
been no bloodshed at Ludlow or at
Cripple Creek; that had Ohio had
such a law, there would have been
no Bloody Harlan; that had Mon
tana had such an act, there would
have been no massacre of Anaconda
Road.
DeDobbeleer, a farmer from the
eastern part of the state, pointed out
that when labor was out on strike,
that the farmer suffered to the ex-
tent of having no n to purchase
his products. That people who had
been out of employment, due to in
dustrial strife, had no money to pur-
chase commodities of any kind and
Montana labor news., 1939-02-16
LADIES AUXILIARY
ELECTS NEW OFFICERS

HELENA.-The following officers
have been elected to serve Ladies
Auxiliary So, M. M. & S. w, for the
first six months of 1899: President,
Eleanor Smole; vice president, Gene
We've Hrella; financial secretary,
Annie Petek; recording secretary,
Ann Rose; warden, Frances Andol-
shek; conductress, Kathryn Irwin;
trustees, Helen Schaffer, Mary Tur-
SIGH, and Frances Muffic.
At our last meeting, Feb. 3, Albert
Rose, president of the mems Local
70, gave an interesting talk on their
activities. Margaret Patterson of
Butte was present and offered sew
eral helpful suggestions, which the
auxiliary will work on. Albert
MCGEE and Mr.. Moss, members of
the House of Representatives, were
also speakers of the evening.
A committee of three members
was appointed to take action to try
to bring about a reduction in the
prices of milk and bread.
We have hopes of making this
auxiliary a prosperous and financial
ly worthy organization to be a real
asset to our families and community.
On Feb. 4, we sponsored a barn
dance which proved to be a huge
success. The entertainment COM
mittee from the mems Local 70
helped decorate the hall to resemble
a barn" and Uncle Ezra" broad
casted his program from Station
"EHA." The hall was packed to
capacity and even Mother Nature
helped by delaying the present sub
zero weather.
We especially wish to thank the
members of Butte Ladies Auxiliary
for their thoughtfulness in attend
ing this dance.
The proceeds helped build up our
very low treasury and put us in a
position to give help or financial
assistance to any member in time of
illness or other misfortune.
Regular meetings are held the first
Fridays of each month at 7:3O p. m.
at the l. o. o. F. hall.
Members of all nearby auxiliaries
are always welcome to attend our
meetings.
By Publicity Committee,
Mary Multi,
Eleanor Petek.
Montana labor news., 1939-02-16

consequently everyone suffered,
even the small business man.
Spiegel called for a roll call to be
entered on the House Journal. The
roll call to indefinitely postpone
showed that the motion was defeat
ed by a vote of So to Al.
Then the original motion of Spie-
gel to print and place on general
orders was put and carried.
The bill will now be printed and
will be up for consideration some
time next week. There was some
comment on the fact that the House,
which was considered very reaction
airy, had allowed this measure to
reach general orders, while the Sen
ate, which was considered liberal,
had killed a similar bill. There is
no explanation of this except that
maybe arguments were better than
those presented in the Senate, or
that the reactionary crowd are play
ing with us like a cat does with a
mouse. The galleries were crowded
and you could hear a pin drop while
the roll was being called. The pro-
ponents of the measure are to be
congratulated in sticking to their
guns against the tremendous odds
which they have faced since the start
of the session.
Here is Spiegel's roll call. Those
voting mo" were for labor; those
voting yes against labor and the
unions.
Ayes-Acton, Armstrong, Aron-
son, Balgord, Berthot, Brewer, Cole
(Petroleum), Collins, D'Ewart, Dun
can, Dunn, Emswiler, Findlater,
Freshman, Gebhardt, Goodwin,
Green, Hageman, Hammond, Hoi-
ness, Kellogg, Lehrkind, Leuthold,
Listug, Longenecker, Loughran,
Lowe, Lynch, McFatridge, Metlen,
Miles, Moss (Flathead), O'Connor,
Padbury, Potter, Roehl, Scofield,
Stevens, Stromnes, Watson, Will
liams.
Noes-Anderson (Phillips), An
derson (Cascade), Beadle, Beck,
Bjorneby, Bower, Brown, Byrne,
Cannon, Clark, Cole (Prairie), Dan
iel, DeDobbeleer, Dougherty, Ekern,
Flynn, Fried, Hess, James, Kirscher,
Lambert, Laubach, Liggett, Long,
Malice, Mccarthy, McClain, MCGEE,
McKenna, Mcleod, Melin, Morrison,
Moss (Custer), Murray, Newell,
Parker (Wibaux), Parker (Flat-
head, Peterson, Reed, Rice, Ryan,
Siegling, Sorte, Spiegel, Stafford,
Stewart, Sullivan, Tyler, Wander
beck, Wilson, zuck, Mr.. Speaker.
Montana labor news., 1939-02-16

Montana will begil to pay benefits to
eligible workers from the states unemploy-
ment trust fund in July, 1889. The fund at
that time will amount to about $4,000, 900.
Montana labor news., 1939-02-16

The Social Security Act consists of II parts
or titles. Each is a separate law and only
two of them have relation to the Montana
unemployment compensation law.
Evening star., 1939-01-01

for the purpose of refinancing ex-
listing trusts, helped to lend en-
ployment to building groups and
other organizations.
Members of our league realize
that the continued growth of the
District and nearby territory must
be met, and feel sure that 1899
will mark continuance in the de-
velopment of home ownership.
Taken all in all. the outlook is
extremely favorable and every one
of our % associations will work to
the end that Washingtons housing
problem will always be under con-
troll
According to latest figures from
the United States Building e. Loan
League the q associations doing
business in Washington now have
resources of s128976,5l2, new high.
Despite the fact that similar or
CARNATIONS in other communities
have just succeeded in reaching
figures attained in 1929, the Dis
trict groups have more than dou-
bled their assets during this pc
riod
New share accounts opened dur
ing the past year reflect a gratify-
ing gain, while the total surplus
account moved to the new high
figure Of S5,116,814OO.
Evening star., 1939-01-01
Insurance Statistics
Reveal Widespread
Public Confidence
By WILLIAM MONTGOMERY,
President, Acacia Mutual Life
Insurance Co.

The great, and clearly we'll placed,
confidence that the American people
have in life insurance can be illus
trated by a few figures which re-
Gently became available. They show
that more than $4,000 100000 of
legal reserve life insurance is in the
hands of policy holders in the
United States today. and this year
alone more than $ll 800 100000 new
insurance was paid for.
Including beneflcisNies. life in
surance now covers approximately
l00,000000 persons. and during the
last year alone more than $780,
100000 was disbursed by the COM
panies to policy holders and bene-
ficiaries. This clearly suggests that
life insurance has become one of
the most potent factors in the
progress and welfare of our Nation.
These figures reveal the conf
dence of the American people in
life insurance, and it is source of
the deepest satisfaction that this
confidence is regarded as sacred
trust. The guardians of this trust
have left no stone unturned to as
sure the safety of their institutions,
ana the record Of the increase IN
assets during the last few troubled
years serves to emphasize how we'll
these duties have been performed.
In the splendid progress which
life insurance as a whole has re-
corded during the last year, the
Acacia Mutual Life Insurance Co.
has participated fully. The COM
pany's assets now stand at about
100000 1000 and its insurance in
force has been increased to more
than s400,O0o,00O. Both of these
figures are the highest in the COM
pany's history.
With these accomplishments in
mind, with the definite Improvement
in business and industrial conditions
and the returning confidence in the
business world, justified by the
seeming attitude of the Government
toward it. it is reasonable to look
forward with sound optimism to the
record which will be written by life
insurance as whole and by Acacia
specifically, during the coming year.
Evening star., 1939-01-01

campaign and the American Red
Cross roll call.
The association has also continued
to give hearty support to Washing
ton Chapter. American Institute of
Banking, which conducts courses in
banking, law. economics and allied
subjects for the benefit of the en-
ployes of Washington banks and
certain financial institutions and de-
partments of the Government.
Building. of course. is one of our
city's principal business activities
and Washington banks have
financed. in large measure. the new
construction which has taken place
this year.
Banks Aid Construction.
In the first II months of 1888
Washington banks extended credit
to 1880 borrowers for property i'm
provements, under the provisions of
Title I of the National Housing Act,
to the aggregate of sl,282,08S. For
the first 10 months of 1888, accord
ing to the latest figures available,
mortgage insured loans. under Title
II of this act, were granted to III
property oWenrs, totaling S1,139,1OO.
While the total check transactions
OF the Washington ID. c. Clearing
House Association for the first II
months of this year totaled less than
for the same period in 1887. business
conditions here continue favorable
Bank deposits have increased con-
slstently throughout the year. but
the problem of employing these
funds profitably has grown apace.
Our banks are not only in an ex-
cellent position to meet the require
ments of local business, but with
out exception the executive heads of
our institutions are ready and anx-
lous to render every service to the
public consistent with sound bank
ing principles.
Further Gains Predicted.
Employment in the District of
Columbia continues satisfactory, as
local statistics indicate business here
IS making substantial strides. There
Is every indication that Washington
Will enjoy an even better year in
1889 than in 1888 The more impor-
tant trade journals predict that 1899
will see increased employment, rising
national income and increased
volume of industrial production
throughout the country, in which
general Improvement, of course
washington will share along with
other sections.
Evening star., 1939-01-01
Building and Loan
Deposits Climb 10
Peak Since 1890
Home Building Looms
OFF Only 6 Per Cent
During Year
BY Cambridge Associates.

BY Cambridge Associates.
Savings, building and loan asso-
Citations played $4,000 100000 role
in the 1888 economic program of the
Nation, it is seen when their trans
actions with investors and with
families borrowing for homes are
totaled. Reports indicate that it
was the best year since 1880 in the
amount of savers funds coming into
these thrift and home financing
institutions, and the second best
year in the volume borrowed by
people to buy or build or remodel
homes.
The associations, located in more
than 5000 communities throughout
the United States, made about $685.
100000 of loans to some 100000
home e-oWners. Fully a third of the
total volume went directly into job
making loans, the building of new
homes and the remodeling of older
ones. In spite of the business re-
cession which characterized the first
half of the year, the amount lent
by savings. building and loan asso-
Citations for these construction pur-
poses was scarcely 6 per cent under
the disbursement for the same
purposes in 1887, and was IA per
cent greater than the volume for
1886. A block of savings and loan
financing, of approximately $270,-
100000, was used to help people buy
existing properties and some $685.
100000 of existing mortgage debt on
homes was transferred to savings
and loan associations during the
year, according to the United States
Building and Loan League figures.
Associations took in an estimated
81 100000 from those already
holding accounts and on some TOO
900 newly opened accounts. The
earnings paid to investors during
the year, largely in two semi-an-
nual disbursements, mounted to
1892 100000.
The final group of transactions
bringing the savings and loan part
in the circulation of dollars to So
000,000,000 was the payment of s9l0,-
100000 in Withdrawals. for emer-
gency needs of savers, for down
payments on homes, and for the full
flllment of other purposes for which
many of the shareholders had been
accumulating funds over period of
years.
While the flow of new money
into associations was steadily above
that Of 1887 in each succeeding
month of 1898. the last half of the
year was the notable period on the
lending side the League reports.
1T presaged an upsWing in build
ing which may be flattened out by
the winter, but which gives every
indication of bounding back with
vigor in the spring
Progress was also made during the
year in the transfer of institutional
holdings OF residential property to
individual owners. thousands of
these properties having been sold
by the associations on a land con-
tract basis with a small down pay
ment and small monthly payments
like rent.
Evening star., 1939-01-01

that our per capita coverage here
is more than double that of the
Nation as whole; and that the
United States. with only 7 per cent
OF the worlds population. owns 10
per cent of the worlds life insur-
anCe
With the possible exception of
New York. the District shows a
higher average protection per per-
son than any other territory in the
world. There are probably two
reasons for this: Our per capita in
come is the highest in the United
States, and our citizenry has been
drawn, in such cosmopolitan way
from a most progressive and en-
hghtened cross-section of the coun-
try
There are 81 legal reserve life
insurance companies now licensed
bv the insurance department of
the District of Columbia. Most of
these companies are represented
by single local agency office here.
some by several branches. These
local Offices each week receive an
aggregate of around half million
in premium dollars, and disburse
about the same amount to policy
holders and beneficiaries in matured
endoWments, cash surrender values
and death and disability claims. 1t
would appear that half the Dis
trlcts population owns at least one
life insurance policy.
10000 Sales During Year.
Then there is the NERVOUSNESS
phase. Last years indicated total
of 80 millions in new life insurance
sold here probably represents about
10000 individual sales. This is es-
timated from the national average
for size-of-policy for which no local
figure is at hand. In other words,
probably one out Of every four in
su-ed persons in the District bought
new policy in 1888
Washingtonians are said to be de-
posting nearly per cent of their
annual income in life insurance and
Evening star., 1939-01-01
Insurance Men Turn
To Pressing Need
For Estate Plan
Role in Preserving Big
Fortunes Stressed as
Toxution Grows
BY Cambridge Associates,

DS SdHlpIluBe AsSOClAIeB.
The part of insurance in q we'll
rounded estate program Is becoming
more thoroughly realized every year.
In spite Of the inheritance tax ex-
emptions, this field is as yet by no
means fully exploited. The success
full insurance salesman today is a
financial counselor with a wide
knowledge, not only Of the Federal
and State tax structure, but also of
the effect Of present interest rates
on the future value of investments.
Constructive ideas are always well
coined by men of means, with the
preservation of accumulated wealth
becoming more and more difficult.
Meanwhile, the development of a
great mass market for insurance in
comparatively small amounts is an
interesting possibility. The average
laborer is familiar with the INSTALL
ment plan of payment through years
of financing the purchase of auto
mobiles and household goods by
this method. And, more recently,
he has had a taste of the feeling Of
security which comes of certain
provisions against the decline and
cessation of his earning power.
These two combine to lower his
sales resistance to endowment and
straight life policies.
The pressure of present-dav in
terest rates is being felt by evel
insurance company today, with tl.a
result that less publicity is belrc;
given to annuities and more to acc
dent and health insurance, hospital
ization insurance. and other spe-
cialty lines which ordinarily yie.G
a higher profit to the companies.
Moreover, these specialized contracts
run for only short period, and the
whole rate structure can be changed
to meet new conditions, if necessary,
in very short time. Once an am
nuity or life contract is signed the
premium rate remains the same.
even if 1t bemomes improbable for
the insurance company to continue
to carry it, until the risk is dis
charged.
These casualty lines which are
closely related to life insurancn
are often termed luxury lines" b.
the companies because they diffes'
from the life contract and generally
are sold to customers who consider
themselves already sufficiently pro-
tected with the standard line. Hos
pitalization insurance in particular
has seen striking growth in the
past few years, providing comfort
to people of ordinary means.
Recently the volume of new life
insurance written has been extreme
ly sensitive to the general state of
business in the country. In 1888,
the effects of the recession were
magnifled into a slightly greater
decline in insurance volume. It is
reasonable to expect, therefore, that
1889 will be a good year for the in
'sSurance cOnlOanieS.
Evening star., 1939-01-01
Bankers Hope to Clear Way for Capital Loans to Small

annuities, as against a national av-
erage of about per cent. This
may appear a sizeable item on either
the local or national budget, as in
deed it is.
Life insurance companies alone
have disbursed since the end OF 1929,
to American policyholders and their
beneiciaries, a total of nearly "a
billions of dollars. OF course,
roughly one-third has been paid
to beneflciaries, two-thirds to living
policyholders.
The average Washington policy
holder, devoting less than S75 a
year to his life insurance, probably
has never stopped to consider that
during the expected lifetime of him
self and his policy he will have de-
posted about $4,000 in it. If he We're
investing $4,000 in almost anything
else, he would undoubtedly give
that investment much closer at
tention than he normally gives his
life insurance policies.
Association Very Active.
Confidence has been promoted in
the District, as elsewhere, by the
membership of 1ae National Asso-
citation of Life Underwriters, which
is the trade association of life in
surance salesmen. The 1888 activi-
ties of the $50 members of its local
chapter, the D. C. Life UnderWrit-
ers Association are illustrative of
the growing professionalism in this
field.
To our monthly luncheon meet
ings nationally known speakers
have been bringing tested sales
ideas, information on current de-
velopments and future trends, or
mi-technical discussions in such
fields as wills, trusts, estates and
taxation.
The latter subjects and others
are being covered in very practical
detail in classes and seminars con-
Quoted by the Life Insurance In
stitute
Inside the association and out,
1888 was very active and salts
factory year for everybody con-
nected with the sale and service
of life insurance. Particularly was
this true of the closing months,
when the revision of so many COM
panies' income rates stimulated
sales OF the 1888 contract.
Flourishing 1899 Forecast.
AS for 1899: Life insurance sales
charts in past years have conclu-
sively shown that Americans add
to their life insurance ownership
whenever their personal or busi-
ness balance sheets show any real
marginal income. Realizing this,
most life insurance men seem to
feel that the 1889 sales outlook is
splendid.
The December issue of Sales
Management said that the basis
"is being laid for the first national
boom the country has had since
the advance of the late 20s." On
such premise, life insurance sales
should flourish.
Evening star., 1939-01-01

rest of the Ma
ton. Our posi-
ton of leader
ship was en-
phasiZed in the
year just past,
and all signs in
dicate Its main
tenance in 1899.
The District of
Columbia is un-
doubtedly t h e
m ost intensely
life insurance.
conscious" area
on the face of
the globe. Stat
;1x. A11
Evening star., 1939-01-01

welfare and USE
fulnesS of the
banks of Wash
ington.
The association
has co-operated
in the more
important civic
underta k i n G S =,
such as the an
llual drive of the
Greater N a
tional Capital
Committee of
the Washington
Board of Trade,
the Community
~. @,,4l