davidaulloa/AmericanStories huggingface dataset:
The voice of labor. (Cumberland, Md.) 1938-1942, 1940-10-24

trance fee OF 25 cents. Members
in arrears in their payments are
subject TO a small fine unless
excused by the directors of the
credit union.
When person has become O
member. by being elected to mem
bership by the board OF directors
and by paying the entrance fee
and the first installment on one
or more shares. he then may apply
for and receive loan. If approved
by the credit committee OF the
credit union. When member
has paid for one share. he is elig-
ible to his proportional share Of
annual dividends that may be de-
clared by the members.
Savings Loaned Only TO Members
The funds saved may be loaned
TO members for pyovident or pro-
ductive purposes, for a period not
greater than two years. under
carefully worked out rules and
with the approval Of the credi.
committee. A loan without Sc
curity may not exceed $50 and
one with security may not exceed
5000 or 10 per cent OF the un-
impaired capital OF the cred.;
union whichever is greater. Sub
ject to these provisions and the
decisions Of the credit commit
tee. a member is eligible for loan
in any amount. regardless of the
number OF shares he owns. Fines
and entrance fees. together with
20 per cent Of net earnings. are
placed in a reserve fund TO alb
serb possible losses.
Interest
Interest on leans must not ex.
coed l per cent per month OH
unpaid balances Inclusive of
all charges incident 10 making
the loansl. Each credit union
fixes its own interest rates
within this limit. No other
charges for any purpose may be
made. On Federal credit
union loan of 500 repaid In
equal monthly installmentS, the
/ total interest charged may not
exceed:
$3.50 for 10 months
$3.50 for l2 months
S10.50 for 20 months
$3.50 for "a months
Under the Federal credit un-
ion plan interest decreases di-
rectly in proportion to the re-
payment Of loans. II loans are
repair more rapidly than agreed
upon, the interest charged the
borrowing member is reduced.
Funds of a Federal credit union
must be deposited in a bank dies.
ignated by the board of directors.
This bank must be insured under
the Federal Deposit Insurance
Fund. The directors may invest
surplus funds in obligations of the
Federal Government or in Sc
curities fully guaranteed as to
principal and interest by the Fed
eral Government. and in them
only.
Once year. the members. at
the annual meeting Of the credit
union. may declare a dividend to
members from net earnings for
The voice of labor. (Cumberland, Md.) 1938-1942, 1940-10-24

Last week Mr. Carl A. Reed. export man.
aser Of the local Kelly-Springheld Tire Com
pany addressed the membership of the Cum
berland ki,vanis Club. From published
eerpts of his speech we think Reed has some
coek-eyed economic PHILOSOPHERS.
1t was one of those luncheon meetings at
which the gentleman spoke and he was prob
ably in an expensive frame of mind.
II America is to keep its world trade
said he, Each workman will surely have
to do, during his hours of labor, much
more than he has been doing these past
few years. He must work to get actually
finished in the same period of time twice
as much as he was accustomed to-and
not have it cost any more"
We are extremely puzzled at the gentle
mans remark. Having listened to Kelly
workers talk about the present speed-up sys-
TEN under which they are sweating we are
inclined to believe that to do twice as much
in the same period of time will require the
importation of Chinese coolies to the Kelly
planti
Continued Reed, Possibly we don't
need lower hour rates, but much more
production in the same time with the
same equipment"
Again we are puzzled. All of the opera
tons at the local Kelly plant are on piece
work or time work basis. Workers are paid
according to their production. Now, will
Reed kindly elaborate further Does he pro-
pose TO have the Kelly workers produce twice
90 many tires or tubes. perform twice much
Il H.
Doesn't this mean that the men pay is being
cut in half-or is that too great an economic
fact for him to observer
Our cost of manufacture is already too
high. 1t must come down if we to con-
tinue to SELL. continued the speaker.
Well. we assume that the tremendous sal
aries of the high executives of the Goodyear
Rubber Company are included in costs. Is it
not reasonable to propose that they start to
cut them down to something like respectable
hgure1 We wonder If Reed would have dared
to read the list of these executives salaries to
the Cumberland Kiwanis. Read them in our
news eolumnsi
u. S. Census reports show total wages in
i. tire and tube industry total 1913 per cent
- thc totni Naiuc Oh PIouuGtS PIoduScd' INC
line sources reveals that from 1887 until
1889 production went up Is per cent per
worker. yet their wages went up only per
cent. These are some of the economic facts
hat Mr.. Reed MIGHT have prohtably used in
sis after luncheon chat. Frankly. we think he
ga bum economist. working for corporation
which 10 already notorious for its unsoeial
hbsr policies.
M Rssa may address other local organ
The voice of labor. (Cumberland, Md.) 1938-1942, 1940-10-24

union Is operated:
Credit unions are not new. The$
have been operating in the United
States since 1909. when Massa-
chusctts enacted the first State
credit union law. Since then
most OF the other States have
passed similar laws and the Dis
trict OF Columbia has like stat
ute, dating from 1882. Credit
unions have been known abroad
for nearly a century.
In the United States the chief
development Of credit unions has
taken the place since the World
War. Many thousands Of ttese
savings associations now serve
groups in varied industries. in the
government service. on farms. and
in other places where common
bond Of association exists. provid-
ing their members with convent.
ent opportunities for saving and
/ for obtaining needed credit.
FEDERAL CREDIT UNIONS
Cooperative Associations for
Saving and Borrowing
Credit unions are cooperative
associations operating for the pur-
poses OF promoting thrift and Of
creating a source OF credit for
proyident or productive purposes.
This is accomplished by members
accommodating savings in their re-
spective credit unions and receiy-
Ing loans from such savings.
In most States credit unions
have operated and are author
lied TO organize under State laws.
With the passage Of the Federal
Credit Union Act. approved June
&c. 1884. Federal credit unions
may also be organized and oper
atcd under Federal charters issued
By the Farm Credit Administra-
ton.
Successful credit unions gener-
ally have started on small scale
permitting directors and com,
mittees to become familiar with
their duties before the sums han.
died became large.
Membership In a Federal
Credit Union
/ Membership is limited to per-
sons having a common bond OF
occupation or association. and to
groups within a well-defined
neighborhood. community. OF
rural district. For example. these
may be: farm groups. members OF
a cooperative. factory employees
store employees. Office employees
church and iraternal organiza
tions. and professional. communi,
ty, or neighborhood groups.
To become a member. one must
first have this common bond OF
occupation or association with the
group comprising the Federal
credit union. One must then bt
elected to membership by the di
rectors Of the credit union.
Promoting Thrift and Creating
Credit
A new member must agree 20
subscribe for one SIS share pay.
able in cash or periodical install
ments. He may save In larger
sums. however, IL he so desires.
In addition. he must pay an en-
The voice of labor. (Cumberland, Md.) 1938-1942, 1940-10-24
Explode Ford's
High Wage Myth

DETROIT. - The Ford high
wage myth got another dent whcr
union members employed at tn
Lincoln plant OF the Ford Motor
Co. in Detroit gave information to
the Ford Organizing Committee
of the United Auto Workers tCIo,
on wage rates at the plant.
On that basis the union made
the following comparisons:
Minimum Wages Per Hour
chrysIer Briggs Ford
Arc and gas
wciiers ........Sl.i3 S1.l0 SIS
Meal finishers ;. l.13 Ito rs
SPOT wcldcrs -. .98 rs
Water sanders. l.i3 ITO 80
Paint sprayers :. l.l3 Ito IS
Dingman and
metal repair :. 1888 .95
DaOrhangcrs 49,. Ill Ito rs
In many cases the Ford-Lincoln
maximum in these classifications
is below the minimum at the
Chrysler and Briggs plants in Dc
tro!t. where the UAW-CIO has
contracts.
The voice of labor. (Cumberland, Md.) 1938-1942, 1940-10-24

bership.
The VOICE OF LABOR has been requested to print series
of articles on Federal Credit Unions This the first
those Interested membership receive information
time at Local 1874 headquarters from which the local credit
The voice of labor. (Cumberland, Md.) 1938-1942, 1940-10-24
HOW A CREDIT UNION OPERATES

Canes workers found The value Of Local
learned earlier Of the benefits Of
The Waterbury Democrat., 1940-03-25
Resurrection Theme
 Of Pastors Sermon
Dr. Walker Tells Second Church ParishiOners People Complaining of Life's lnjustices Are Shortsighted

Some men have maintained that it is a case of 'eat, drink and be merry for tomorrow we die,' infer ring that there was nothing else in fife but that and that death was the bitter end," stated Rev. pr. John c. Walker, pastor of the Second Con- gregational Church yesterday morn inr in his sermon, Life Rebels Against Death
 Dr. Walker said in part:
 In this case there are two things to be said on the side of faith. In the first pacle, man yho makes 1t his business and his only import an business to eat, drink and be merry won tbe merry very long. That kind of philosophy is self-de- feating here and now. In the second place, the great leaders and teachers of humanity, whether pagan or Christian, Jew or Gentle, have looked to tn. unseen world and the after life for vindication and re- ward. Before Socrates died he said, If death had been only the end of all, the wicked would have had a good bargain in dying, for they would have been happily quit not only of their body, but of their own evil together with their sous. but now, as the soul plainly appears to be immortal, there is no release or salvation from evil except the at- tainment of the highest virtue and wisdom"
 No, I cannot rightly deny, that the Christian faith is choice, a decision, consecration. Pay your money and take your choice, gentle men! Only let me warn you that there is far more than your money at stake. It is your personality, your moral life, your spiritual life, your eternal life, your soul! It is all too true as William James warned us that in every great transaction in life we take a leap in the dark but in this case it is Gods dark. We have the pattern and example of the great spirits of earth who have made the high and noble choice, who have believed in immortality ard lived their lives in the light of that faith. We have above all else tke pattern and example of Jesus Christ. If the resurrection is not credible, neither is the character of Jesus Christ, nor the kingdom of God, nor the ultimate triumph of righteousness.
 If Mother Nature rebels against death, so man, and so the God-Man, even Jesus Christ, our Lord. We cannot believe that He was holden of death. We cannot believe the Sin-
The Waterbury Democrat., 1940-03-25
LOCAL DRUGGISTS
 TO ATTEND CLINIC
Educational Program Ar- ranged By State Assoc
 citation for April 3

A pharmacy clinic, the first ever held in this state, will be sponsored oy the scientific committee of the Connecticut Pharmaceutical associa- tion and staged at New Haven on April 3.
 The latest methods of compound ing medicine for the treatment of ailments will be demonstrated by nationally prominent pharmacists.
 Druggists from all p=i:s of the state will be present and Isadore Stoll, president of the Waterbury Druggists association, said that there will be a large Waterbury delegation on hand.
 The morning sessions will get un- derway shortly before 10 o'clock in the Connecticut College of Phar- macy building on 150 York street, and the afternoon sessions will con- clude the technical meetings.
 In the evening, a dinner will be held in the Union League club with the principal addresses by Dr. Creighton Barker, executive Secre- tary of the Connecticut State Medi- cal society, who will speak on the National Health Program" and pr. Robert L. Swain, editor of Drug Topics" who is to discuss the "1940 View for Pharmacy and Medicine"
The Waterbury Democrat., 1940-03-25

less One was defeated, conquered, slain. Beyond the Cross on Calvary lies the glorious vision of the Open Tomb. If the Cross were the end of the story, how miserable, how hope less the ther1e of life here on earth. If the noblest of men was the yic- tim of greed and selfishness, if right and truth went down to eternal 'de- feat, if Pilate and Herod and Cai- phas were the victors and Jesus the vanquished, how cruel and how un- just this world in which we live! If defeat and death were the end of the sweetest story ever told of mans life here on earth, and even the av- craze scepsic will confess the nobil- ity of the life of Christ, then life is not simply an enigma, it is a ghastly practical joke,
 But no, the sceptic is making the mistake. The Easter story IS not too good to be true. Nothing is too good to be true. The good things are true, eternally true. It is the evil that is false, temporal, evanescent. If we are sometimes inclined to doubt the goodness of God, to complain of the injuSticeS of life, the hopeleSsness of 1t all, we must remember that we see only one side of the pattern of life, that is to say, the temporal. We are taking all too shortsighsed> "a view.
The Waterbury Democrat., 1940-03-25
|Y. M. C. A. Notes

Twenty delegates will represent the Hi-Y division of the three branches of the Waterbury Y. M. C.. A. at the State lily Confer ence at the Springfield College Saturday and Sunday, March 30 and 31. The theme of the confer ence is Forward with lily.
 George B. Corwin national Hi-Y secretary will give the opening address at 2 o''cI'ocw Saturday afternoon. His topic being Lines of Advance" Clarence L. Tappin, a member of the High School Committee of the Central Y. M. c. A. will lead one of the nufner- / ouS discussion groups, the topic being ''Forwrad with lily in Vi- tai Community Service"
 Doctor Ernest M. Best, pres ident of Springfield College, will give the evening address and his opic will be Forward with Youth"
 Art Charpentier a junior at Springfield College, and William North, 8 sophomore, at the col- lege. Both are former members of the Beta lily will be the con- ference song leaders.
 Those who will attend the coil-s ference are as follows: Michael Mcclure, Frank Hoffman, Gus Fennessy, Robert Nicholss Robert Wakeley, Herbert Darling, Lucian Cantin, Robert Mitchell, James Hanrahan, Sonny Hopkins, Car-. men, Bruscino, Raymond Mucci, Joe Balinen, Arnold Minicucci and Carroll Eastwood, Gordon Gentles, Walter Malins, and Ralph Cooke.
 The Tech HEY of the Central Y. M. c. A. will sponsor its sec ond dance of the year at the Gen. tral x. M. c. A. ballroom Satur- day, March 30 at 8:30 D. m. Cliff Slater ard his orchestra will sup- ply the music for the dancing. The committee in charge: Salva- tore Coviello. chairman: Thomas Aurio, James Mecca, Frank D,An- drea and Nick LaRusso.
The Waterbury Democrat., 1940-03-25
Hitler Offers II Points, But Allies Shm His Peace
Italy Forms Key To Balkan
 Plans of NaziS
By THOMAS M. JOHNSON NEA Service Military Writer

Peace terms? There's a subiecti Let's gaze into the crystal bail of the future.
 A hay ,swirling cloud of rumor and propaganda, the only light a universal hope, focused upon Il points: Hitler's. Are they just his wishful thinking, put forth to weak en allied will to war, or something to go on2
 Even in a crystal ball, to Lib erals some points must look good: disarmament, religious freedom, interchange of raw materials. Re- making Europe's crazy quilt by rearranging populations is drastic, but may be practical if conducted humanely and honestly.
 But in the haze appear black
 spots: Democratic Czechs under
 FcudaI Magyars; Poles crammed
 into straitened space with strait
 ened means.
 Their treatment today is no earnest of their flu ure in a Central Europe and Balkans made militarily safe for 8 Totalitarianism under which the rest of Europe would be unsafe.
 Africa by one point would admit German and Italian immigrants. WILL ALLIES TRUST
 THE STRONG MEN?
 Such immigrants are one thing, as we know, but Totalitarians are another, as their party doctrines and conduct in Africa and South American prove.
 In the crystal ball gather clouds, around this storm center: Will the allies again trust Totalitarianism; Hitler especially, but also Mussolini and Stalin whom the Nazis talk of admitting to "the new order?
 The French have talked not of more appeasement, but of punish ment; putting PruSsians into one compartment, all other Germans in- 70 another. Poles and Czechs want no Germans at al within stronger natural frontiers-the Oder, the Sudeten mountains. With Britain. all agree, Hitler mus. go.
 Lightning flashes from the barb ed tips of some of those Il points To cellar the storm and bring his kind of weather, Hitler cannot count on allied confidence.
 He must offer threats, such as: 1. Italy will join the war. But Italy, for all her key position, is militarily strong here and weak there; economically weak almost everywhere. She might join the war-if Hitler ] were winning it, How?
 2. Beating the allied blockade
The Waterbury Democrat., 1940-03-25
FEAST OF PURIM
 CELEBRATED HERE
Over 800 Attend Annual Ball. Institute Pupils
 :, Featured in Play

The 28th annual Purim ball, ''eld at Temple hall last night was at- tended by more than 800 persons. "shloimke and Rikel", a musical comedy in four acts, directed by Bernat Holczer, was the feature of the program
 Roles were taken by Nathan Fid- Ter, Tillie Lax, Joseph Reiner, Anna Dibner, Esther Stutman, Jacob Reiner, Clara Silverman, Pauline R. Wolczin, Bernard Berstell and Leo Be-stell, Miss Wolozin was in charge of the musical program.
 Proceeds are for the benefit of the Talmud Torah, Hebrew school fer children.
 Pupils Program
 A special Purim celebration was held Saturday night by pupils of the Waterbury Hebrew Institute.
 Speakers were Moses Koizin president of the institute, Edward Goldberg, vice-president, and Ab- raham Matzkin,, chairman of the education board.
 Merwin Baltim and Nettie Oster read the Megillah or he Book of Esther. Recitations were given by Rita Silvernaan and Morton Dorf- man.
 Casting of the Lots,' g play let, was directed by. Miss Pauline Wolozin. The cast included Nor man Rosenbaun, Ruth Klausner, Deborah Matzkin, Herman Brown stein. Melvin London, Sally RoSen- baum, Bennett Klamkin, George Dickstein,i Leonard Margolis, Her. bert Malkin, Herman Baron, Sid- ney Tarr, Henya Sheinkopf, Ida Fried, Hannay Silyeiman, Phyllis stern, Sally Rosenbaum, Eleanor Fishman,. Beraice Goldberg. Rita Dicksteiir and Deborah Matzkin. Refreshments were served by members of the Daughters of Deth Israel. Judah Elowich, principal oi the school was master of cere- monies. .,,:
The Waterbury Democrat., 1940-03-25
FIRES CAUSED BY CIGARETTES
Bank Street Man Escapes When Room Is Ignited;
 Awning Damaged

Cigarettes handled carelesSly were blamed for two fires yesterday.
 Albert Smith of TIA Bank street, narrowly escaped injury when he woke in his room early yesterday morning to find the place in flames. He was able to flee unharmed. The blaze, which destroyed the interior of the room. was caused by lighted cigarette, which dropped from his hand as he fell asleep in bed.
 Several companies of firemen put out the fire.
 A burning cigarette tossed by a pedestrian into the awning in front of 8 store at 148 Grand street started small fire yesterday after noon.
 Bremen from the auxiliary engine put out the blaze before 1t spread. The property is owned by Harold Green, of Holmes avenue.
The Waterbury Democrat., 1940-03-25
BLAME YOUR
 LIVER IF

If your liver doesn't secrete 20 to 30 ounces of bile epsrv day into your intes tines constipation with its headaches, mental dullness and that ''half-alive'' feeling often result. So you see how inl- pottant it Is to keep bile flowing ireeiyl And what finer aid could one desire than pr. Edwards Olive Tablets, used so successfully for years by Dr. F. M. Edwards for treating his patients for constipation and sluggish liver bile.
 Olive Tablets are unsurpassed in ef- tectiyeness because they stimulate liver bile to help digest fatty foods. they tone 2p muscular intestinal action, at the saFhe time help elimination. Being Pnysll, Ssgs- 'dble, Olive Tablets are wonderfull Test heir supreme goodness T0NSGHTl
 6E S0ts cog. All drugstoros.
The Waterbury Democrat., 1940-03-25
NO DATE SELECTED FOR CONSIDERATION
BishOp-Designate O'Brien ShOwered With COngrat-
 ulatiOn Messages

Plans were being made at Hart ford today for the conservation of Rev. Henry J. O'Brien, president of St. Thomas seminary auxiliary bis- hop of the diocese. The date for the exercises has not yet been set.
 Appointment of Father O'Brien was announced Saturday by the Pope through Most Reverend Am leto Cicoganani, apos olic delegate to the United States. In addition to becoming auxiliary bishop of the Hartford diocese, Father O'Brien has also been named titular bishop of Sita, former diocese in Asia.
 Waterbury priests joined in the congratulations with which the bishop-designate was swamped over the weekend.
 E Father O'Brien, who is 43, was born in New Haven. After attend ing grammar and high school in the Elm City, he entered St. Thomas seminary. He studied la.er at St. Bernard's Seminary, Rochester, and at the American College, Louvain, Belgium. He was ordained by the late Cardinal Mercier in Belgium in 1923.
 After serving briefly at Fairfield ard Windsor Locks, Father O'Brlen was assigned to the falcuty at the diocesan seminary. He became presi- dent several years ago.
 In 1897, Father O'Brien headed a pilgrimage of several hundred Con- necticus Catholics to Rome. The group also made a tour of the Con- tinent. ,.-.t...s
 Father O'Brien joins a growing list of Connecticut priests who have gone into the hierarchy from post at the seminary. Most Reverend John Gregory Murray, archbishop of St. Paul, Most Reverend Joseph E. Mccarthy, bishop of Portland and Most Reverend Matthew Brady, bishop of Burlington, were all made bishops after terms as faculty mem- bers at the seminary. All three are Waterbury natives. Most Reverend Francis P. Keough, bishop of Provi- dence, was also a member of the faculty at St. Thomas seminary.
The Waterbury Democrat., 1940-03-25

Mrs John w. McGibbOn is coming along as we'll as can he expected at the New Haven Hospital where she underwent an acute appendectOmy week ago today
 She's the wife of the electricians mate in the local Naval
 Recruiting Office. Jimmy Calvin and Joe Garvey times within a month between coffee sips Saturday, Calvin ended the argument on the motive of the thieves by saying he believed it was because they forgot to cross it off their assignment books. Evelyn or- rssey of Park Terrace is becoming quite an ardent follower of basketbaers. Although she never played the game she knows the rules better than many male spectators
The Waterbury Democrat., 1940-03-25

Editor, Tall Tower Topics hope you can be with us the night of St. Lucy's Holy Name smoker, tonight, in the parish hall on Branch Street at o'clock Enclosed is ticket for you. George Mulligan, Sr will be guest of honor Joe Mobile, also known Joe Steele will supervise the four boxing bouts and Jack Freney will be master of ceremonies Among the entertainers will be Frank Romano, Harry Cashn and his quartet Billy Carbon, Babe Spadola and the liar mony Kings Refreshments will be served Hope to see you tonight. Vincent Martine!i.
The Waterbury Democrat., 1940-03-25

the wrong side.
 4. Show with ruthless use of all weapons. air-power especially, that allied sea-power, money-power and man-power are helpless. MUST LONDON, PARIS BE BOMBED?
 The latter threat is more possible since the Scapa Flow raid, bu. here again is 8 game that two can play --and the British took their turn at bat with the raid on Sylt.
 Success of the Russian attack on the Mannerheim Line also holsters this threat. But behind the Man.