BEWARE OF THE DEADLY DOTTED LINE
VW (Fibawig the family’s savings account at the bank
where it is safe, and losing it through speculation is a
serious matter. It may bring great hardship, especially to the
" mistress of the home. It may force great
economies in household management or
amount to actual privation. It may mean
that the children will have to go to work be-
fore they complete their education. The
loss of the family’s accumulations may even
result in physical breakdown on the part of
the wife through worry over the loss of sav-
ings which she helped to accumulate at the
sacrifice of home comforts, but was not con-
sulted when it came to investing them. The
making of investments by men who are
heads of families and inexperienced in
finance should not be undertaken without
} consulting her. But even if both agree the
venture should be talked over with the local
banker or information about it obtained
from the National Better Business Bureau in
New York, which serves without cost and
purely in the public interest. If this is done
a lot of trouble and quite likely many regrets and heartaches
will be avoided.
There is one point in the activities of the inexperienced
investor where he should have above
W.R. MOREHQUSE
all a red-light stop signal to cause him
to pause and investigate and that is
just before he reaches the decision to
“sign on the dotted line.” Before you
part with your savings in the bank by
signing a contract placed before you
by sharp promoters, stop, examine
and investigate! It will pay to read
the contract several times, even read-
ing it aloud, all the while weighing
; that it would soon erect a number
sof downtown garages where busy
business men could park their cars.
As an inducement for business men
to take out memberships, charges to
them for storage were to be nominal,
much less than a like service could
be obtained elsewhere. A Board of
every term. It will pay to be on guard
against the deadly fine print usually
incorporated in most contracts,—so
small that it strains your eves and
causes you to skim over
it superficially. Do not
sign blindfolded. It will
pay well to take plenty
of time to study the
Do not sign on the dotted line while
blindfolded.
contract by yourself where all is quiet
and you are free from the personal in-
fluence of the persuasive promoter, for
to sign without the calmest considera-
tion may spell your Waterloo finan-
cially.
Unless dealing with a responsible
firm or individual, never sign on the
dotted line. If in the least doubt,
don’t sign. Never sign on verbal as-
surances that you are fully protected.
Terms stated orally but not incor-
porated in a contract are not binding.
Glowing promises, wild exaggerations
and gross misstatements of facts are
seldom reduced to writing or made in
the presence of yoar witnesses. Your
failure to read and to understand a
contract before signing is not a legal
excuse. When you sign a contract
you proclaim that you agree with its
terms and will abide by and endeavor
to carry them out.
Don’t sign just because some high-
pressure salesman tells you that you
are a wonder, or that you show good
judgment, or that you have a lot of
sense. Sign only when you arc fully
convinced that your interests are fully
protected.
Prominent Men Used as Scenery
A number of slick prcmoters re-
cently organized in a certain city an
“automobile club” with the assurance
Governors was organized with the
names of promimnt local citizens,
among them two eminent judges. No
sooner was the organization of the
board complete than the promoters,
armed with the endorsement of these
outstanding men, went forth to reap
a great harvest by selling member-
ships. They got the members—but
the building cf the garages remained
an idle dream.
When the members of the Board of
Governors were later interviewed as
to how they came to ccnsent to the
{use of thelr names they stated that they
i thought the additional storage facili-
ties were needed in the downtown
district and they signed up without
looking into the proposition carefully.
Imagine their chagrin when told that
a reading of the by-laws of the or-
ganization showed that the Board of
Governors had no powers but had
: been used merely as scenery in order
to sell memberships in a take proposi-
tion!
Because these prominent citizens
were careless with their names and
failed to read and to investigate the
enterprise, hundreds of business men
bought memberships only to lose their
money. Signing without reading is
about the most dangerous act of
financial carelessness that can be
1 committed.
THE FARMER'S BEST WAY OUT
Dean Russell of Wisconsin College
of Agriculture says: “Two things
have hit the farmer hard but the
same things have hit business.
are increase in cost of production
and decline in prices which latter
has been more drastic in farm pro
ducts than manufactured products
The farmer's political friends say
salvation can be found through legis
lation. Our legislative doctors pro-
pose price control. The difficulty
with this is price control always
means price elevation which always
produces expansion in production and
if this occurs without expansion in
consumption you have inevitable de-
cline in prices. The remedy works to
produce the very opposite result
from that intended.
“Another legislative panacea would
make it easier to borrow, as if run-
ning into debt was the solution of the
difficulty. There are farmers who
wish it had not been quite so easy to
borrow because the inevitable day
comes when they have to pay princi
pal and interest. The third legisla
tive remedy would make easier the
pathway for cooperative endeavor.
All you have to do is to wave the
magie wand ‘Cooperation’ and all the
farmer's difficulties will immediately
disappear. I wonder if there is any
government that can make people co
operate. The success of cooperative
effort will lie in organization from the
bottom up rather than from the top
down and it will take a decade or two
for the results to be felt.
«The farmers have at hand a
remedy that can be utilized im.
mediately with the definite knowledge
that it will secure far better results.
If they will take a leaf out of present
day business methods they will have
relief in agriculture they will not have
to wait for. Business has suffered
They
the same as the farmer, yet business
came through in a way that is far
"ahead of the farmer. This has been
brought about through industrial
efficiency, through improvement of
methods. They have increased labor
output per unit to the degree the costs
of production have actually been re-
duced by better methods of carrying
on work. Industrial enterprises on a
large scale are spending millions on
research. In ten years automobile
output per worker has increased 172
per cent, tires 211 per cent, oil 83
per cent, cement 61 per cent.
“Compare that with others. The
packers have increased only 27 per
cent, sugar refining 28 per cent, boots
and shoes only 6 per cent. There has
been an increase in agriculture since
1913 of 20 per cent. It is doubtful that
business has any such opportunity as
exists In agriculture to reduce cost
of production through improved meth-
ods. Take corn,—Iowa shows a varia-
tion in cost of production from fifteen
cents to seventy-five cents a bushel. In
Illinois the cost of producing corn on
80 acre fields was reduced from fifty-
two cents to twenty cents a bushel.
The manfacturer who had it within
his power to reduce production costs
from fifty-two to thirty cents per unit
would be tickled to death with the
opportunity of meeting competition
under these conditions.
“The way out for the farmer is (1)
to become a business man, (2) to
adopt business methods, to adapt
himself to the same kind of conditions
and be as efficiently mobile as is our
manufacturer or our business man in
the ordinary channels of his trade,
(3) to rely less upon political
promises and more upon individual
initiative, (4) to work toward co-
operative endeavor, but in the mean-
time not to wait for cooperative en-
deavor to solve all of these problems
because individualiy he can de some-
thing at the present time.”
Dirt Roads are Most Expensive.
There would be more paved high-
ways but for the expense of paving.
Many counties and even whole States
hesitate to extend the hard-surfaced
roadways because of the expense to
the taxpayers. It might cxtend the
good roads system if more stress were
placed on the cost of dirt roads. There
is no doubt that the latter are expen-
sive, says the St. Louis Post-Dispatch.
Much public money is spent in grad-
ing and dragging them; in repeating
these processes at frequent intervals,
because dry weather traffic and the
wash of rains are both damaging to
these roads.
But that is only a part of the ex-
pense; really, a minor part. The Ag-
ricultural college at Ames, Iowa, has
determined by a series of tests that
it costs an average of two cents a
mile more to operate a car over dirt
roads than over paved roads. That
means a $20 additional cost on 1,000
miles of dirt road driving. Multiplied
by the thousands and hundreds of
thousands of cars that use these anti-
quated routes chiefly or exclusively,
the aggregate of additional cost is
stupendous.
More than that is needed to ap-
proximate the total, however. Time
is worth something, and the paved
road is an all-weather route. The
farmer, given this advantage, is much
nearer to being entirely independent
of the weather in marketing his pro-
ducts, thus enabling him to take ad-
vantage of favorable market condi-
tions, which he might not do with
only dirt roads available. Then there
is the tourist travel, whatever it is
worth to the communities it traverses.
It is notable this year that more mo-
torists from the Middle West are
touring eastward instead of going
to the western mountain States or the
Pacific coast. The reason many of
them give is that the Atlantic may
now be reached by pavement.
If more people understood the cost
of unpaved roads, surely there would
be less opposition to something nearer
permanent construction. Once the ad-
vantage of pavement is won, there is
no thought of going back to the dust
and mud of the old system, and the
experience of travel steadily is
strengthening the conviction that good
roads are worth the money.—Clear-
field Republican.
Open Season for 11 kinds of Fish.
The open season for eleven species
of game fish began in Pennsylvania
July 1, and are as follows:
Bass, small and large mouth—July
1 to November 30; not less than nine
inches long. Ten of combined species
is legal limit.
Bass, white rock crappie, straw-
berry or calico—July 1 to November
30; not less than six inches; 15 of
combined species in one day.
Pike perch or wall eyed salmon
July 1 to November 30; not less than
twelve inches; ten in one day.
Pickerel—July 1 to
less than 12 inches; 15 in one day.
Muscallonge or western pike—July
1 to Nov. 30; not less than 28 inches
long; 3 in one day.
Lake or salmon trout—July 1 to
Sept. 29; no size limit and 29 may be
taken in one day.
The trout season which opened
April 15 closed Julv 31.
Resident fishermen over sixteen
years of age and all non-residents
must have licenses. The fee for resi-
dents is $1.00 plus ten cents for the
county treasurer. Non-residents fees
are in accord with those charged in
native States but de not exceed $2.50.
Two rods and two lines and one
hand line with not more than three
hooks is tae limit for each fisherman.
All must be under immediate control
of the fisherman. With the exception
of landing gear no other means of
taking fish is permissible.
——The “Watchman” is the most
readable paper published. Try it.
Nov. 30; not
IDEA OF STEAMBOAT |
BELONGED TO si
Belated Honors Paid to Un |
fortunate Inventor. |
hs |
In the little town of Bardstown, Ky., |
a monument was unveiled on May 25 |
to John Fitch, recognizing him as the |
inventor of the steamboat. |
It was at Bardstown that ‘poor :
John Fitch,” discouraged by his fail-
ure both in this country and in France
to get supporters for his imvention,
committed suicide. That was on July
2, 1798. A long time between that
date and May 25, 1927!
The payment of these belated
honors may or may not help to rest
John Fitch's soul. However, with the
unveiling over Fitch's burial place of
the monument provided for by appro-
priation of congress, the right of Fitch
to the title of inventor of the steam-
boat may be considered fixed. What-
ever glory properly belongs to Robert
Fulton for practical development of
the steamboat need not be diminished
by giving to Fitch the share due him
for the invention.
John Fitch was born on January 21,
1748, In Windsor, Conn. Following a
boyhood of practically no educational
opportunities, he went to sea when
seventeen. Later he worked as clock-
maker, brassfounder and silversmith.
In the Revolutionary war he was 2
gunsmith for the American troops, and
with them went through the winter at
Valley Forge. After the war he was
a surveyor and trader in what was
then the West. Then came his return
to Pennsylvania, where he settled at
Warminster, near Philadelphia, and
produced, in 1785, his first model of a
steamboat. Two years later, on the
Delaware river at Philadelphia, he
made a succesful trial trip with a boat
45 feet long, 12-foot beam, and 12-inch
cylinder engine. During the summer
of 1790 he ran a larger boat, carrying
passengers, from Philadelphia to Wil-
mington. That appears to have been
the end of his venture. His backers
dropped their support of him. In 1793,
despairing of further aid in this coun-
try, Fitch went to France. But the
French revolution was on. Penniless,
he worked his way back, and so to
Bardstown, where he ended his trag-
edy of an unappreciated inventor.
Among Fitch's papers now in the
Library of Congress are the plans and
specifications of his steamboats. In
respect of the old controversy whether
the invention was Fulton’s or Fitch's,
it might be noted that a committee of
the New York legislature declared in
1817 that Fulton's steamboat was “in
substance the invention patented by
John Fitch in 1791.”
Improved Sundial
Most sundials are more ornamental
than practical, for calculations must
generally be made to tell the time ac-
curately with them. An indicator de-
signed by Julius Wangenheim, a re-
gent of the University of California,
is said to eliminate this objection, reg-
istering the hour as closely as a watch
and requiring no computation. It is
a curved bronze plate so adjusted that
it can be set for any latitude. Cor-
rections are worked out with curved
lines, and the measurements are indi-
cated for the longest as well as the
shortest day. Plans have been made
to set replicas of the dial at various
places on the university campus, to
ald students in reaching their classes
on time, and at Mount Hamilton,
where astronomers may consult them.
—Popular Mechanics Magazine.
54th ANNUAL
Encampment and Fair
of the Patrons of Husbandry of Central Pennsylvania
Grange Park, Centre Hall, Pa.
August 27 to Sept. 2, 1927
Encampment Opens August 27th
Exhibition Opens August 29th
for farmers.
Shade and pure water.
Free Attractions
72-31-3t
The largest and best fair in Central Pennsylvania ; by farmers and
Grounds increased to seventy acres.
Electric light.
A large display of Farm Stock and Poultry, Farm Implements,
Fruits, Cereals, and every product of farm and garden.
LIBERAL PREMIUMS
COME AND HAVE ONE BIG TIME!
Admission (For Entire Week) 50 Cents
Fifty cents will be charged for parking automobiles.
ALI, TRAINS STOP AT GRANGE PARK.
JACOB SHARER, Chairman.
Beautifully located.
Telephones.
and Amusements
We Have Set Apart a Space for
the Custody and Care of
Wills
TT: are many advantages in surround-
ing such an important document with
the safeguards we offer.
There will be no charge for this service.
The First. National Bank
BELLEFONTE, PA.
THINGS THAT i
Tempt Burglars
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hould not, be left. at. home. g
Better put your valuables in
our Safe Deposit Vault where
they have constant protection from
» both theft and fire. We have Pri-
L$]
RANMA VMEARMVAER AVANT OANA VE ARTA HORAN LCA TIN
a
vate Boxes here to rent for as lit-
tle as $2.00 and up per year.
THE FIRST NATIONAL BANK
STATE COLLEGE, PA.
MEMBER FEDERAL RESERVE SYSTEM
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Only 3 weeks until school opens.
Only 68 Suits
in this lot.—they won’t, last. long.
A. FAUBLE
ElEUEUELELUELE
one
SALE OF
Boys’ School Suits
AT FAUBLE’S
$16.50 Suits now $9.85
13.00 Suits now 8.85
10.00 Suits now 6.85
of the lucky ones.
Ue Ue Ue] He lied Led