THE CITIZEN, WEDNESDAY, SEPT. 15, 1JIP.
"TAXATION"
An Interesting Address Delivered
Before the Statu Hankers As
sociation at Hcdford
Springs on Septem
ber 8th, 1001), In
state Treas
urer Slieatz.
Mr. Chairman, Ladles, Members
of the Pennsylvania Bankers' As
sociation, and Guests:
I appreciate highly the invitation
of your Association, tendered mo
through your secretary, to take part
in this morning's program; it is
indeed very flattering and I thank
you for the honor.
The subject, "Taxation, " upon
which I will speak, is too broad and
comprehensive, to permit of any
deep or exhaustive analysis or com
ment on my part, so I shall merely
touch upon the surface of several
forms of taxation, most familiar to
the people. It lias been said, that
it Is human nature to believe that
taxation is an evil which should ho
avoided if possible; but taxation is
practically a universal custom in
the civilized world, and one of the
oldest peaceable forms by which a
government secures the means 10
carry on its business, whether in
timed of peace or war; so taxes are
le led as regularly as the rising and
setting of the aim. Indirect taxa
tion is the most agreeable form by
which a government may levy and
collect her revenues; a direct tax
being the most irritating to a com
munity. The adjustment of the
recent tariff bill was paradoxical to
the foregoing statement, and
through the latter part of the ses
sion of Congress, the theories of
Altruism and the brotherhood of
man were annihilated; and the re
suit was that the pocket-book re
visionists revised the tariff through
their friends in the Senate and in
the House. The only question that
might have perturbed their minds
throughout this trying and anxious
period, was, how much will the con
sumer stand without making too
much noise? The great masses be
lieved and hoped to the end, that
as the time had finally arrived for
a change in the tariff laws, the re
vision would be downward upon
such necessities at least, as were
parts of the dally lives of the peo
ple, but they were grievously dis
appointed. A magazine writer stat
ed, that of three hundred and live
articles under consideration, two
hundred and eighty were increased
or kept the same as in the Dingley
Act, and twenty-live dutiable arti
cles reduced. If this statement Is
correct, the revision was not in ac
cordance with what the people be
lieved was the true meaning of the
Republican platform or the pre
election speeches of the campaign
In touching brioily upon the In
come Tax, I find that this nation
is rather late in giving consideration
to this form of taxation. The ilrst
historical reference to an income
tax that I could find, is in the laws
governing Athens, 0S3 It. (J. The
populace at that time was divided
into four classes; the first paying
the highest tax, a graded reduction
for the second and third classes,
while the fourth class was exempt;
which proves that oven in those
ancient times there must' have been
a firm belief in the equity of a
graded tax.
The English government derives j
its greatest single item of revenue
from the income tax, which tax sys-I
tern has been in force over one liun- i
dred years, and the amount receiv-1
ed the last year, of which statistics I
an be secured, was one hundred I
and sixty-five million dollars. The
Fiviu h government lias also recent-'
ly approved this form of taxation 1
and will levy such a tax in 1911.'
wiiii sucn a precedence it seems
that the Representatives of our na
tional government were justified in
their endeavor to increase the reve
nues by levying an income tax; es
pecially, if the progressive policies
which seem to be the very spirit
and life of our nation's people are
to be continued. The vast sums
necessary in building the Panama
Canal, the proposed construction of
the .National Irrigation svstem and
Inland Waterways, the further up
building of our navy, so it may
be greater and better each subse
quent year; how can all this bo ac
complished without raising addi
tional revenues? v0 have hoard
that it is possibio to tax the vitality
oat of a nation; such a statement
is not applicable to this method of
taxation, and cannot bo charged
against an income tax; but it can
apply to burdensome taxation upon
the homes In our municipalities and
the farms of our commonwealths.
Hit method adopted by the Nation
al Congress in disposing of .this
subject, by roferrlng the resolution
lor approval or rHsnn..ol
' t"nt!on t0 the legislatures
of the States, is a new one, and must
bo adopted by three-fourths of the
States of our Union before the Na
tional Congress has the authority
to levy this tax. As there is no
specified time in which the ap
proval or rejection of the income
resolution must bo consumated
and as the levying of this tax seems
to have placed the opportunity of
"give and take" into the hands of
the people; I believe that the neces
sities of our nation, and the over
powering strength of the masses
will eventually place the income tax
resolution as a law upon the stat
ute books of our national govern
ment. Taxation in Pennsylvania seems
to be satisfactory, so far as It re
lates to revenue with which to con
duct the business of the common
wealth, provide liberal assistance
to several hundred hospitals and
homes; pay seven and one-half mil
lion dollars yearly to the school dis
tricts of the state, about one mil
lion a year to various universities
and other educational institutions,
build some highways, and expend
ing great sums for numerous other
purposes.
The receipts of the Treasury de
partment for the fiscal year ending
November 30, 1908, were ?u,G70,-r-10.U7;
the expenditures during the
samo period were ?29,tiiS,878.40.
The Income for the first nine months
of the nineteen hundred and nine
fiscal year are $21,2S4,6:2(.0f, an
increase over the same period of
nineteen hundred and eight of ?4,
171,907.17. The payments during
this period have been ?20,(JC5,
GC3.04, an increase over nineteen
hundred and eight of ?2,0OS,ni8.ri7.
1 know it will bo a great pleas
ure to you and all Penusylvanias
to hear that, yesterday, the seventh
day of September, the accumulated
interest added to the amount of
money in the Sinking Fund equalled
the entire state Indebtedness, and
to-day, if it were possible to secure
all outstanding bonds, Pennsylvania
would be free from debt.
in returning to the subject of
Taxation, there was a resolution
introduced and pas-sod by the last
General Assembly and approved by
the Gocrnor, providing for a com
mission to consider the laws ol ilie
commonwealth relating to corpora
tions and to revenues. I beilevo
this to bo a very proper procedure,
and even if the Legislatuto of nine
teen hundred and eleven will not
adopt the measures which this com
mission might draft, still n great
amount of very valuable information
may be secured by the commission,
which will guide the members who
Will take an active part, in what
should be an important improvement
in our tax laws, which are far from
perfect from the commonwealth
standpoint.
I am iirmly convinced that it
would be a tremendous benellt to
the people of the commonwealth,
if they would discriminate in the
selection of their lawmakers for the
session of nineteen hundred and
eleven, but should the members of
the General Assembly decline to
enact laws which will clothe the tax
levying and collecting departments
of the State Government witli' au
thoritative power, backed by clear
ly drawn, inflexible and equitable
laws, then the Executive should
uso every power and every preroga
tive of his high olilce; concentrate
this force upon the lawmaking
body, and bring about the passage
of such very necessary laws.
Corporations pay a Iittlo more
than one-half the revenue, received
by our commonwealth. The vari
ous forms or corporation taxation
in use by Pennsylvania, are not
conclusively applcable, and are far
from equitable and they should be
speedily amended or repealed. If
repealed in their entirety, but one
tax should be levied, and this a
tux upon the gross receipts or the
entiro value of the production of a
corporation within the common
wealth; but equaling the present
combined income from gross re
ceipts, capital stock, loans and
bonuses. This method of taxation
would be more equitable, and
would reduce taxes now paid by
domestic corporations, and increase
taxation upon tlio.se corporations
that operate under a foreign cor
porate law, while using the natural
resources and facilities of Pennsyl
vania for the benefit of their com
panies. Insurance companies and bank
ing institutions should be in two
separate tax classes. The manner
of taxing insurance companies
should have most careful considera
tion by the commission selected to
revise laws in relation to corpora
lions and revenues. The manner
of taxing banking institutions seems
satisfactory, with the exception of
the four mill tax on time deposit
certificates, and the fifty per cent,
fine for failure, on the part of a
banking institution, to file its re
port and pay its tax by Aug. 1st of
each calendar year. This penalty
seems unreasonable and should be
made the same amount as all other
penalties, exacted for non-compliance
within the time limit as pro
vided by law.
The four mill tax upon time de
posit Certificates Should lip i-rmnnln.l
as such deposits represent a class
oi savings rarely amounting to
large sums. The interests paid by
banking institutions on these ac
counts are too large to admit the
bank to pay this tax, and the in
come derived by the depositors is
sucn that they cannot afford to
raj' me mx oy auoiisning this four
mm tax no particular harm would
ue uone to the state's income. Ir
respective of any change suggested
in the loan tax laws, t.im emu- min
tax charged against all real estate
mortgages should be eliminated, as
it means but an additional burden
to me oorrower.
Ponnsylvanlans should more seri
ousiy turn their attention to the
.tnnlA,l . .. --
ucjnuuuu ami me anal disappear
ance or the natural resources of
uieir btate. Only one of the three
of which I will mention can in part
ue replaced. The first of her nat
ural resources which felt the de
vnstating hand of man were hnr
forests. They should be partially
ot'iwcu oy me state government,
not in the slow manner that the
ointe forestry Commission is com
io move, out by quick strides,
Increasing the state's holding from
what it is now, less than a million
acres, to at least five million acres,
giving preference to localities con
taining water-sheds and water-power
streams, keeping absolute, con
trol of these streams, as we are re-i
verting for the second time to this
method of producing a great com
mercial force. i
The second of the natural re
sources upon which I will say but
a few words Is oil, This state
which for thirty years had the great
est oil producing section in the
world, creating vast fortunes for in
dividuals, has received no perma
nent benellt from this great wealth
producing commodity.
The third natural resource is
coal. I shall only speak of an
thracite coal, because it is distinct
ly a Pennsylvania production; and
the people of our State should not
permit this to bo depleted for the
us.' and the comfort of the nation,
wthout one permanent compensation,
benefiting all the people of a State
in which a Divine Creator so gen
erously placed beneath the surface
of her soil this wonderful and valu
able commodity.
Therefore, as two of our great
natural resources are past produc
ing a large revenue, we are then
justllled in levying a tonnage tax
upon this one groat natural re
source, which could produce a sum
great enough to leave a permanent
monument ol' enduring benellt to
all in Pennsylvania. There is no
doubt, but that the very catchy
phrase, "Taxing the coal bucket,"
would he lined to coino considerable
extent, but as the average coal
sumption per family of moderate
means is but four tons a year, they
should not disapprove of this ad
ditional charge, when the return in
value to them in various ways
would bo about four dollars to one
expended. Of the 04,fiCo,0l4
tons of anthracite coal sold during
nineteen hundred and eight, all but
nineteen million tons could bear a
graded tax, the amount so placed
as to produce about ten millions
dollars annually. The domestic
coal consumers ot Pennsylvania
would not pay more than one-
fourth of this amount, while the
various sections outside of our State
would pay the remainder three-
fourths of this tax; one-halt of
this amount should be used in
highway construction to build good
substantial roads throughout all
Pennsylvania, thereby keeping pace
with our neighboring states; one-
fourth should bo used for the pur
chase and preservation of the for
ests, water-sheds and water-power
and the remaining one-fourth should
he added to the public school ap
propriations. in closing my remarks, permit
me to say, that the active olilcials
of the financial institutions of Penn
sylvania are to be congratulated
upon the careful, proper and con
servative management of their
banks, which fact is recognized by
most everyone and appreciated by
the people of Pennsylvania. The
organization of bankers as a whole,
is undoubtedly the most powerful
association within the common
wealth; for fractically all forms of
commercial business, great and
small, depend upon the assistance
they render, and upon this liberal
help depends the upbuildng and
progress of all lines of business,
which means progressive munici
palities and employment for its in
habitants.
The business community and the
financial institutions are so closely
interwoven that they form one
great business fabric of superior
force and strength. There is a
multiplicity of duties devolving
upon the active head of a bank,
but these should not be permitted
to engross the entire interest in one's
lit'o; for the general welfare of your
towns, cities, state and nation
should have an equitable share of
the abilities you possess. There
should bo a well-beaten pathway
leading to some central point in
your community, aside from the one
between the bank and your home,
where civic conditions are discuss
ed and where you men who aro the
most vital force in your community
should without fear or favor stand
for the betterment of conditions
within our commonwealth.
An rjvery Day Occurrence.
A few minutes before 12 o'clock
noon every day in the year a young
man walks into a certain room of
the main building at tho naval ob
servatory, which is set up on a hill
in tho northwestern part of tho Dis
trict of Columbia. He glances at
tho various clocks In the room and
then goes over to a table which
is covered with electric apparatus.
Ho watches the clocks to his
left closely and waits for the hands
to reach ll:fiG. As the second
hand approaches tho GO on the dial
ho prepares to shift a switch. The
clock is so finely adjusted that
when tho second hand points to GO
it exactly marks the beginning of
a now minute.
As it touches tho 60 the switches
are thrown on. That starts a sig
nal that goes out instantaneously
over 900,000 miles of telegraph
lines. In Washington, New York,
Buffalo, Cleveland, Newport, Balti
more, Newport News, Norfolk, Sa
vannah, New Orleans, Key West,
Galveston, Chicago, and elsewhere
the time balls go up on their poles,
People know thnt it is five minutes
to noon, Washington time.
The clock which keeps tho time
In the observatory ticks on. With
each tick there is a contact of elec
tric points. A circuit is closed,
and an instrument on the table
similar' in appearance to. a tele
graph Bounder ticks away loudly.
It goes on to the twenty-ninth
second, then skips one tick, then re
sumes its steady sounding until the
Inst five seconds; then thero is
another gap. These gaps aro for
the purpose of giving listeners at
the other ends of the great sys
tem of wires a chance to know
what part ofthe minute the clock is
on. So it goes up to the last
minute.
At the twenty-ninth second there
!3 again the skipping of one second.
Finally the clock gets around to the
fiftieth second. Then the circuit
remains open for ten seconds.
There is silence all along the tele
graph wires.
At the other end, where thero are
time balls or merely train opera
tors, the long pause Indicates that '
noon is almost there. The second
hand makes on toward GO and 11-!
nally reaches the mark. Then there ,
is another click; in about a sec-1
ond the sounder Is down, and that
tells hundreds of thousands of peo-1
pie that it is noon in Washing
ton. 1
It is a wonderful operation, this I
getting the time, and highly teehnl- I
cal. Finely adjusted clocks, chron-1
ographs and other Instruments of
great value are used, and the taking ,
and recording of the time have !
reached a point where the human i
equation Is practically eliminated.
The results obtained are of great
value, particularly to mariners. The
time is not only flashed to hundreds
of points in the United States, but
it is sent far out to sea by wireless.
A cable carries the Hash to Ha
vana; another to Panama and
Callao, Peru.
The observatory hero does not
send the time much farther west
than the Rockies, but they have an
observatory at the Mare Island navy
yard, and from there the time is
sent up and down the Pacific coast,
just as it is from hero to the east
ern part of the United States. In
the cities whore the central time is
used the flash marks 1 1 o'clock. An
hour later local operators drop the
time balls.
The mean time is determined by
astronomical observations. When
certain stars pass the seventy-fifth
fifth meridian, called the meiidau
of Washington, it is a certain time.
The operator watches for the stars
through a telescope, the field of
which is covered with fine wires.
As the stars reach a certain point
in transit the operator presses a
key in his hand. A contact is made
and recorded on a chronograph. The
chronograph consists of a cylinder
covered with paper. It is held by
an arm attached to the mechanism.
The cylinder revolves once a min
ute, and the pen moves along the
surface of the paper, making a
tipiral line.
A sideral clock of the finest make
is running In a vault underneath
t lie observatory. With each tick of
the clock there is a contact of two
points. These two points aro ut
tai'hcd to wires that lead to an
electro-magnet attached to the arm
that holds the pen of the chrono
gr'anh. The clock is so adjusted
that eacli minute the pen jumps to
one side. Consequently there is a
break In the line.
There are other breaks, too,
when the observer watches the
stars cross the lines In the Held of
the telescope. The mean time thus
recorded for each star, after being
corrected for errors, Is the clock
time of the star's transit. What
ever difference thero is between the
clock time and the sidereal time
marked by the transit of the stars
in the error of the clock. From
these astronomical observations the
sidereal time is obtained. The error
amounts to but little, rarely being
more than from flvo ono-hundredths
to ten one-hundredths of a second.
The time of sendng a flash over
the wires is practically nothing. A
Hash has readied Greenwich, Eng
land, in three-tenths of a second.
Chicago Inter Ocean.
COACHMEN TURN CHAUFFEURS.
Most Students In Motor Schools Have
Sat on the Box.
The instructor of one tho largest
schools of motor instruction in the
country says that 50 per cent of his
pupils aro old coachmen sent by their
employers to learn how to drive the
new carriages. They make good chauf
feurs. The simple reason is that while they
may not be blessed with a great
amount of mechanical knowledge they
know what a vehicle Is, what it is for
and that it should be treated serious
ly. The samo testimony, according to
tho Review of Reviews, is given by
one of the large automobile manu
facturing companies which has estab
lished a chauffeurs' school. This school
makes chauffeurs out of any kind of
material that purchasers of cars may
ship in.
Most of the material, and the best
in a general way, is composed of
coachmen, old and young. They have
hnd experience in caring for fine car
riages. They know how to drive on
city streets.
Hunger.
Hunger is God's instrument in bring
ing the idlest to toll, and Hunger
waits to work her will on the Idler and
the waBter. J. R. Green.
Uncle Ezra 8ays:
"All things come to him who waits,
but they come a good deal quicker to
her."
HOUSEHOLD EXPENSE BOOK.
How Five Cent Trial Balance Pamph
let May Be Kept Accurately.
Buy a paper covered trial balance
for flvo cents. Then decide what ac
counts you will keep, such as clothing,
rent, groceries, fuel and light, laundry,
furnishings, Insurance, benovoleuces,
&.c; sundries and cash last. Enter
these names at top of columns for
twelve or more accounts for one
month.
The left hand column is for dates
and nt night it is an easy matter to
cuter under their respective accounts
the total amount for eacli that day,
using the same line across the two
pages.
At the end of the month add each
account and place totals on one line,
then make summary totals In unused
space below. In column reserved for
cash enter amount on hand on first of
month, and by subtracting total ex
penditures from the total receipts tho
amount of cash on hand at end of
month will be shown; thus all cash
transactions for tho month can bo
seen at a glance.
A Real Man Hater.
Miss Harriet Evan3, an ejdorly spin
ster on whom an inquest was held at
Hackney recently, was said to have
boon a confirmed man hater.
"She was 6o much against men that
she would not have a coin with tho
king's head on it," her landlady snld.
"If one was given her she would throw
it into the fire. Sho would only deal
in money bearing Queen Victoria's
head."
Miss Evans went to the office of a
local newspaper some time ago, but
refused to enter until a woman was
sent to transact business with her.
An advertisement for apartments
which she published stipulated that
there should be ::o man in the house.
Sho even declined to receive letters
because the stamps bore the king's
head. Pall Mall Gazette.
Tree Planting In Pennsylvania.
Land owners in Centre county are
taking up tho question of reforesta
tion In a practical way. This spring
a number have planted treellngs on
various kinds on tho denuded hills on
their farms, and just now a force of
n en Is engaged planting 250,000 white
p':.e treellngs on the old Whipple
p' .co near Pine Grove Mills. Tho
t:ielings are from the Stato nursery
at Greenwood Furnace, and tho plant
Ir ; Is being done under the direction
o Mr. Morton of the State Forestry
E partment. Philadelphia Record.
S?anl3h Executioner's Remorse.
curious story comes from Seville.
0 ' Sund-.y night tho local execution-
e died, his death being due to ro
il ' rse. For several years he had car
ried out any executions, but recently
ho was summoned to :ordova to in
flict the final penalty on some crimi
nals. The Impression made upon him
wsis so painful that he was unable to
face the ordeal when condemned in
Seville, and the sentence will have to
be carried out by the Madrid execu
tioner. Traveling with Phials.
In traveling with toilet bottles or
medicine phials, which cannot be dis
pensed with, first ascertain that the
corks are sound and will not allow
tho liquids to pour through. Then cut
small pieces of thin, pliable wire.
Draw a piece around the neck of
each bottle and make one loop, draw
ing tight Put the other end across
the cork and form another loop around
neck of bottle. So prepared the bot
tle may be packed in either bag or
trunk without danger of spilling.
Curious Facts.
Special clocks which need winding
up only once in 400 days are now be
ing manufactured in Munich.
The suffragists of England aro of
fering a prize of one guinea for the
best epigram in verse on the question
of woman suffrage.
At a concert which took place in
the large hall of the Royal Museum at
Stuttgart no instruments were used
save spinets, clavicembolas and pianos
of the seventeenth and eighteenth cen
turies. A Dreadful Analogy.
The hypothetical question had just
been asked, and the prisoner fell for
ward In a faint All was confusion in
tho court room.
"What is the matter with the pris
oner?" demanded the judge, hammer
ing his desk madly.
"Nothing, your bono,," groaned the
unhappy man, as he came to. "I was
only thinking how long I should have
to serve If my sentence was as long
as thnt."
Only Woman of Her Kind.
Miss Polly Page, of Philadelphia, is
the first woman in the United States
who has ever been chosen master of
tho hounds by a fox hunting club. Sho
Is n thorough horsewoman, and fully
capable of carrying out the duties of
her office. The season opens in No
vember, and Miss Page says she will
be ready for it.
Value of Trees In Cities.
There is no well populated country
in the world which has so many well
wooded towns as Holland. Most of
our streets and canal banks have ave
nues of trees. These abundant growths
in thickly populated cities are highly
useful and hygienic as well as orna
mental. Tho great European capitals
should follow this example. Hague
Handelsblad.
Indians' Choice of Guns.
While some Indiana prefer repeat
ing rifles others In actual hunting
choose the muzzle loader, as they do
not take long range shots, preferring
to get close to the game and bo suro.
PROFESSIONAL CARDS.
Attorncys-nt-Low.
H WILSON,
. ATT01t.VE 4 COl'NSKI.OIt-AT-LAW.
oilkc Miionlc b'UMlliiff, second floor
IlollC'SllUjf, I'll.
TfSL II. LKE,
T ATTOUXBY A COVNSi:i.Oti-AT-I,AW.
Olllce over poM (tlllce. All local business
promptly attended to. IlnucMlule, la.
in C. MUMFOHD,
ATtOKNKY A COILVfr.I.OU-AT-LAW
OllIlM l.lliertv llnll IiiiIIiIIiil'. imiuisiltn flio
Post OllUr. JlollCMl.de. I'll.
KOMHlt GliKENE,
ATTOKKKY A COl).SKI.OIt-AT-I,AW.
Ollice over lielfs store. lliaieMlalo Pa.
I T. t-HAUUi,
3l. A'lTOHXKY A COTNSEI.OK-AT-IAW.
OIllcc near Court Jloli'c Jlone.sdale. Pa.
0L. ROWLAND,
ATl'OUXKY A COUNSEI.OU-AT-LAW.
Otlli'o over Post Olllce. lloncMlalc. Pa.
fillAIlLES A. McOAHTY,
J ATTORNEY A COUXSEI.OH-AT-LAW.
Special and prompt attention given to the
collection of claim. OlUcc over Kelt's new
store. HcmcMlale, l'a.
P. KIMIiLE,
JJ . ATTOKNKY A COt'NSKLOH-AT-LAW
(Mice over the uost olllcu llonesilalc. Pa.
ME. SIMONS,
. ATTOKNKY A C'Ol'NHKLOK-AT-I.AW,
Olliec in the Court Hom-e, Ilonesdale,
Pa.
KKIiMAX IIAl!Mi:b,
ATTOKNKY A CIH'NSEI.OK-AT-I.AW.
Patents mid pensions smcii red. (Mice in tho
Scliuerhols'. liulldim: Ilonesdale. l'a.
PETER II. 1LOFK,
ATTOKNKY A COfNSKI.OK-AT-r.AW.
Olliec Seiond lluor old SaviiiKS Dank
Imlldln;.'. Ilonesdale. Pit.
II M. SALMON,
11. ATTOKNKY A ( Ot NM:i.OK-AT-LAW
(.lib i .NcM ilnor to est i flit e. I'oru.prl
oictipleil bv V. 11. Din, ink k. llonei-ilale.ru
Dentists.
DR. E. T. BROWN,
DENTIST.
Olllee l'lrst flour, old SavlnastlJank build
liij;, Ilonesdale, l'a.
Dr. C. li. lUtADY. Dr.xxisT. llonefdale.IPa.
Oiticj: Horns S a. m. to 3 p. m
Any evening byjappoliitiuent.
Citizens' phone. Si. Resilience. No. W-X
Physicians.
DR. II. 15. SEARLES,
HONEHD.M.K, PA.
(Mice and residence 101 t'ouit street
telephones. Olliec Hours 2:00 to J:C0 and
11 t'U to fcUl. i). in
nee
The OLDEST Fire Insurance
Agency in Wsyne County.
OHice: Second iloor Masonic' Build
ing, over C. C. .ladwin's drug , store,
Ilonesdale.
For New Late Novelties
IX-
JEWELRY
SILVERWARE
WATCHES
Try
SPENCER, Ths Jeweler
"Guaranteed articles only sold."
If you don't insure with
us, we both lose.
HITTINGER & Hi
Insurance
White Mills Pa.
F
1
One of the best enulnned farms In Wayne
county sltuutcd about three miles from
Ilonesdale,
Everyling Up-Male.g
Over 85.000.00
nus been ex
ended wltn-
i the last rive
years in bunmncs, tools ana improvements.
165 lafii
ot which 75 acres are cood bard-
u uniuer.
Will bo sold reasonably.
A Bargain. --For furtherjpartlculars en
quire of
W.W.WOOD, 'Citizen" office-
OR
SALE