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Show THE BINGHAM NEWS - tfj. ROM) BJQLDli J WHY BANKS? I LESSON III 1 1 ' . By X H. PUELICHER, Chairman,' j Committee on Publlo Education, American Bankera Association. H j Banks are defined as "institutions chartered to receive depotitt m i and make loans." What Is a bank depo$it? What is a bank loant I BANK DEPOSIT - money or checks left with a 1 bank to be kept safe from g thieves, fire or other loss; to earn interest, if in a sav- - a ings account; to be conven- - Eg lent for the future use of the a depositor; to be loaned out S to earn the expenses of the m bank's services, and interest j for the depositor when in an ja interest bearing account. M BANK LOAN advance of money to help business ij enterprise so that business may ij Hj J. H. Puellcher again help the earner and saver H 0 , by giving employment g j In the Middle Ages safes were very few. Goldsmiths kept their g g) Jewelry in strong boxes, and also accepted for safekeeping, for a S M fee, money packed and marked with the owner's name. In those b a days money saved lay Idle; today it Is put to work by banks for Jjjj j the benefit of the depositor and the community. g BfitjjHIEfionOT 1j HARD TO TELL Hoffy called on bit friend Cuthber, ad observed that the latter had h tailed a bowl containing one goldflfb) "Ah, you have a goldfish," he r marked. "Yes," he replied. They tmoked while. Then Iloffy resumed the cod vernation. "Does the goldfish know yout" "I cannot tell,"" responded Outhbert ;"It makes no sounds, and Its tall wag-ging seems to be for purposes of pro pulsion only." FairyTal& Bonner iPlJrV THE LUCKY CAT "Me-o- me-ow- said the pussy cat, "I am. Indeed, a lucky cat." "M e--o w, m said the sec-ond pussy cat, "I love to hear about cat luck." "The other day," said the first cat, 'I had had a very trying day. You know how some duys will be more try-ing than others?" "Yes," said the second cat. "I un-derstand. "V by, some days," the second cat continued, af-ter a few mln-- - "Oh, so Dull. utes, "I have no end of trying, nerve-tlrln- g things to put up with. "Yesterday, for example, I was chased for quite a few blocks and I couldn't find any place in which to hide for ttie longest time. "It was very annoying. 'And the other day I had no luck at all in finding food. The garbnge tins were so dull, oh, so dull. And that was very hard on my poor nerves. Oh, yes, pussy, Indeed I do know what a tiring, trying day means." "Well," said the first cat "as I said I had had a trying day. I had eaten, but not of the best "I had caught a mouse but it had been hard work and sometiow I was annoyed with myself at being so slow. I was fearful lest I might be growing old. "But I was made quite happy and encouraged again by the kindness of a little girl named Edith. , "Edith was having tea. Edith Is a great person for tea. I could tell that from the conversation I overheard. She was telling every one that she loved cambric tea and that she loved to have a tea party. "She said it was me kind of a party which really Interested her because there was always toast and Jam at tea at least there usually was toast and jam at tea and she was very fond of toast and jam. "Then there were cookies and cake at the tea, too. Welt, I was surprised when I looked at Edith and saw she was not a big fat person. "No, she was what people called slender. And she was very graceful and moved about most beautifully. I tried to copy her as I walked along the window ledge outside of the city apartment wtiere she lived. "Yes, I tried to move In just the same graceful fashion. You will won-der how I know her name? I heard her other little friends who were there calling her Edith. "And she answered to that name every time." "Her name must have been Edith, then," said the second cat "Pray go on with your story. I did not mean to Interrupt." "Well," the first cnt continued. "1 was walking about as prettily as I could, putting my paws down Just so and moving my body Just so wnen I heard Edith say: " 'Come pussy, come pussy, come pussy.' "I thought, of course, she had a cat In the apurtment end I said to my-self: " 'A , cat doesn't knew the excite-ment and hardships of a life such ai I lend.' "But It seems she did not have a cat. I discovered that In a short time. "She really was talking to me, for In no time at all she was at the win-dow and I heard tier say: " 'Come pussy, come pussy.' "Slowly I made my way toward her. I did not want her to think I was be side myself with . Joy at her atten- - fri' tlon. I did not W wunt her to think that it was the first time I had se!e. been noticed In Ss-t-? Just such a way. r rjL "So I did not nppenr hurried. iT4r nor did I appear y fijZm flustered. My fur i -- 1 remained smooth i i and unrullled ' J that Is, It re- - TJT' mnlnci us mnnoth " : and unruffled as -- vT 1 It was ; It Is never It - r exactly perfect. ,( Had Anothef And as I made spoonful." my way toward her I saw that tfie had her hand out of the window and under a rnlllnj: which was nlong her window ledge. "She lived on the ground floor of tue apartment house, I might add. "And there she was holding a spoon filled wllh cream and It was for me And then I had another spoonful nnr yet another wlin good rich cream. "Ah, yes, I had cat luck today. Ileal ly rual cat luck 1" INHERITED FEAR Miss Albatross Do you know of th Ancient Marlnei" that fellow who Blew my distinguished uncestorT Mr. Penguin To be sure heard o him all my life. Miss Albatross Well, don't yon know I never go near a ship for fear that old pirate may still be alive 1 VI, fvk I V - J A MAN OF INTEGRITY u A physician who roachoa out to benefit humanity leaves a record bs bind him that Is worth while. Such a man was Dr. B. V. Pierce, founder of the Invalids Hotel In Buffalo, N. Y. Do was an eminent physician, a lead-ing and honored citizen, known for his honesty and executive ability. Ills tudy along medical lines, and his knowledge of the remedial qualities of herbs and plants led to the discovery of his wondurful herbal remedy. Doctor Tierce's Favorite Prescription, the woman's ton Is which has had the greatest number of supporters for the past fifty years. It Is Just the herbal tonlo required If a woman Is borne down by pain and sufferings at regular or Irregular intervals, by nervousness or dizzy spells, headache or backache. Favorite Prescription can now be had In tablet form as well as liquid at most drug stores. Send 10c for trial sample to Dr. Pierce .Invalids Hotel In Buffalo. N. Y. L- - - ; Sure Relief FOR INDIGESTION rSjOgTfe3) 6 Bellans jMtfMs Hot water jgFjvi Sure Relief 25$ AND 754; PACKAGES EVERYWHERE BOSCHEE'S SYRUP '""V Allaya Initatwn. ootlwe and has la throat and lunc InflanunatMO. The conatant trrlla-- tton of a cough kpe th dlicat mucus . BMmbrana of the throat and lungs in a eon-ta- d condition, which BoecHU'e Sraur - contljr and quickly hoala. For this ihumd It baa boon a favorite household remedy for cold, eouirha, bronchitis and specially for lunc troubles In millions of homoa all over th world fur the last fifty --seven years, enabling-th-patient te obtain a rood night s rest, free from eotiahlns; with easy expectoration In the morning-- . You can buy BoacHEaVa tSiaur Wherever medicines are sold. 1 win reduce Inflamed, Strained, Swollen Tea , dens. Ligaments, or t'6" Muides. Stops th lameness V ' and pain from a Splint, fA Side Bone or Bone Spavin. Il i No blister, no hair gone and A 'V horsa can b used. (2.50 Dot-tL- ' tie at druggists or delivered. Jf Describe your case for special In-- . i' structlons and Intsrestiruj horsa i.s,i firfi if Book S A free, W. F. YOUNG, lac., Sll Lyeua St, SrrisgnsU. Mus. Salt Lake City Firms Te sssurs prseipt service and 4ulck retame te these adrarttaemfnts atentisn ths name el this paper. A HARURR IN EICHT WEEKS Write Molrr Barber Cel., 114 Regent St & L. BUSINESS COLLEGES L. U. S. BUSINESS COLLEGE. School of Effieicnr?. All commrrclsl brsnch-- s, Cstalns- free fl N. Main St.. Sslt Lake City. BOOKS AND SHORT HTOR1EH DnnifC Any Iwmk yon want by mull, C. O. D DUUIYJ orrt )i,ik Co. et hat So. Temple FURS noUfillT rCuI nDCJ We pay liiirlicut nwirki-- t price for furs hides, anil pelts. Write for price liit or ship direct to a reliable hnuae. We can muke up your furs anti hides inlo riiU, overcoata or oilier fur yirmchl. write for our frcecntiiloir. American Hide & Fur Cs., Furriers & Tanners 153 Vest South Temple Salt l ake Cits' SONGS A SHEET MUSIC CflW''f"CJ. new ami old. All kiwli. Sheet mimic by mail. COI). Music Co. J7 S Mum CREAM WANTED SHIP DIRECT Direct Cream Shl Slants I'ay Must Money Kcnii e trint can Illsrkmsn Jk Grlftin Cuir.psnr. Ogden, Utah. SI ITS A PRESSES CLEANED at UYEn Up to the minute Cleaning and Dyeing poataire paiii Renal Cleaning A Dyeing-- Co.. i;.S E. 2nd So. "Say it With Flowers" Fresh Cut Flowers at All Times Hobday's Flower Shop Keith l'.miKiriuiu lild(. Salt Lake BATHE TIRED EYES fVv Willi tir. Thompson's Brewster, 'fat .VsW B"y st Tour dnitrulftt 'a or rV.5' r Um Hirer, Truy, . K. Booklet gp"" IF YOU ARE Interested In learning of a really satisfactory method of combating the and associated Alfalfa Weevil sssss; alfalfa caterpillar and root borers, you thou! J now prepare for trouble by sending for a free copy of my circular. No. 173-- FRED REINLEIN, 144 W. Kilpalrick St., PORTLAND, ORE. Iidle Circular melllnir. Eitrs money dally. Jiemlla free. Kneloae envelope. t'KESd, Natoms, San Francisco, Calif. aCOtDTOayywtJOtn'DEtAY i-" : cui-rf- f CblotiTfn 24foirs XLaOrtppe in 3 JJajH Study Science of Roads in Elementary Schools The automobile Industry la showing more than ordinary interest in a bul-letin just Issued by the bureau of edu-cutlo- Department of the Interior, en-titled "Main Strota of the Nation," and Inteuded as a study of projects on highway transport for elementary schools. Prepared by Florence C. Fox, spe-cialist In education systems for the United States government, It will par-ticularly appeal to the children be-cause their lives are very close to the highway question; good roads playing an Increasingly important part la every child's experience. The bulletin shows the remarkabl Interesting and practical lessons which have been worked out for elemeDtary grades. In arithmetic, for example, at question such as this Is asked: "If the rullroad fare from New York to San Francisco Is $138.18, how much more, or less, will It cost to motor through the Lincoln highway than, to go by train?" The solution Involves prob-lems In the cost of gasoline, the wear and tear of the machine, and the day't living expense en route, as compared with the cost of travel. In the geography department Inter-esting lessons are presented which af-ford imaginary Journeys over the country's great highways. Important cities ore located on the way, and brief essays written about the national poluts of Interest in passing. The bul-letin gives in great detail how luch lessons may be prepared. Problems In simple science are brought out by a study of road build-ing, drainage and grading. Lessons In civics are exceptionally interesting and these Include problems on financ-ing; how to obtain a right of way; how bond issues are cared for, etc An important lesson deals with the safety question. Every parent Is la terested In this, and the work In-volved cannot fall to be of help and practical use to the young student In the face of the crowded streets and highways. A Black Tale. The Widow Crow found wearing black Was quits beyond endurance; She said: "I'll buy some gayer things With hubby's life Insurance." E i "Old Stuff" From Arabia. A New York barber recently got tome valuable publicity because he re-galed his customers with tea and mu-sic. "It was 'old stuff," commcnti William IL Ukera In his new book, "All About Coffee," Just published by the Tea and Coffee Trude Journal company. New York. "The Arabian and Turkish barber shops have been serving coffee, tobacco and sweet-meats to their customers for centuries In Arabia and other oriental countries coffee Is part of the ritual of business ; hopkeepers serve It to the customer before the argument begins." Cleaned the Knives, "Mary," said the mistress, "just gt and see If the pudding Is cooked. Stick a knife in It and see If It comes out clean." A few minutes later Mary returned "It comes out wonderful, mum," sin said, "so I've stuck all the other knlvei in it" J ffi sc jftS? T --THRIFT' THE COMMON ENEMY AN OSTRICH TIP Miss Parrot A friend In the busl-bes-s gave me this lovely plume and the tip that feathers will be fushionabl this year. Little Monk What was It? Miss Parrot The ostrich. Little Monk Oh, then It's a genuine ostrich tip. "Cuticura Comforts Baby's Skin When red, rough and Itching, by hot baths of Cuticura Soap and touches of Cuticura Ointment Also make use now and then of that exquisitely scent-ed dusting powder, Cuticura Talcum, one of the Indispensable Outlcurs Toilet Trio. Advertisement Apples Breathe Like Humans. . Scientists have found that apples breathe just as human lungs do. An apparatus has been perfected by which the taking in of oxygen Is measured, the most successful experiment having been performed with the seeds of New-town pippins. The seeds, In addition to taking In oxygen, give oil carbon dioxide. Nary a Rare Bird Unknown. From the Mexican boundary to the Arctic ocean there Is not a species of bird that Is not classified. It Is claimed. Wisconsin Will Renumber All Its Trunk Highways Immediately following a conference of the special legislative committee, appointed to select 2,500 additional miles to the state trunk highways, di-vision engineers and the state high-way division commission to determine finally what roads are to be added, highway experts will begin work on the enormous task of renumbering all of Wisconsin's trunk highway system. Almost every trunk highway In the state will have to be renumbered to conform with the additions made by the special legislative committee. Under the new system there will be fewer short highways and more long highways, with several numbers over-lapping each other on the main trav-eled through routes. Wherever It Is possible highway ex-perts will plot routes direct from Im-portant centers. There will be ne change, however, In the system or plan of marking the trunk highway system. All highway maps are to be reprint-ed and revised following the new al-location of main highways, but this will probably not come until late In the spring. It will make main routes easier to follow, for It will not be nec-essary to switch off from one highway to the next on a long Journey. Motor-ists will be able to enter the state on one highway and follow that clear through the state or to their destine tton. On the Job. In langutl summer when each tree In lazy cadence rustles, The blithe mosquito seems to be The only thing that hustles. Even Tide Is Wise. She (at resort) How ihe tide cornel In with Its green roll. He I suppose It realizes thai there's no use coming here wlthou one. Boston Transcript. Like Chatting With the Plumber. "My dentist likes to pause in hi work and tell funny stories." "So does mine, but I don't appreciate funny stories at $10 an hour." Bostor Transcript A Swim on the Green. Honolulu Paper The guests en Joyed a basket supper and moonllghl swim on the Inwn. The dew munt b unusually heavy oul ti?'" BANKER-FARME- R MEETING NOTES A conference of bankers and fann-ers of the Firth Federal Reserve Dis-trict held recently at Raleigh, North Carolina, under the auspices of the American Bankers Association Agri-cultural Commission, adopted the fol-lowing principles: "In order to encourage and promote a safe, lane and constructive system of farm practices, the Banker and Farmer Conference of the Fifth Fed-eral Reserve District would make the following recommendations with ref-erence to the activities of farmers and bankers on which to concentrate efforts during the coming year: "1. Encouragement of loans by bank-ers to bright and deserving young men and young women who w'sh to go to college to study agriculture and home economics. "2. Promote in a rational and con-servative way the economic Increase in the productiveness of the soils ot the district so that a larger unit of crop production may be secured. Small unit yields of necessity are expensive while moderate to large yields of crops are generally the cheapest Larger yields per acre coupled with a reduction In the acre-age, when advisable, should and usu-ally will be more profitable and when handled properly will not lead to an "3. Encouragement of a proper sys-tem of diversified farming In which farmers will grow as far as practical all the food and feel crop. neccsarv for feeding the family and livestock of the farm, and to keep on the farms the requisite kinds and amounts of livestock best to meet the economic needs of farming. "4. To formulate and put In motion definite plans for rsrrylng ut this program, It Is urited that the Agr-icultural College of the District put a county arent In every county snd that a banker-farme- r conference be called to meet early In the fall at the agricultural college of each State." WHAT ADVERTISING DOES America has the best life on this earth because It has the best adver-tised life, says Colonel W. O. Edens ot the Publlo Relations Commission, American Bankers Association. He goes on: "American health Is the best In the world because American peo-ple are best Informed In the ways and habits ot health, largely through ad-vertising. America business Is the largest and most successful In the world because it uses advertising the most American business men enlarge their business institutions In propor-tion as they advertise them. Ameri-can buyers become more shrewd in spending their money In proportion as they read advertisements. "The press or the United States Is regarded by many as the most power-ful of our institutions. It must be numbered with the schools and the churches as one of the trinity of most powerful creators of knowledge and patriotism. "Advertising Is what it is today largely because of the power and suc-cess of the dally paper. Nevertheless, It Is true that the dally paper Is as successful as It Is today because ot advertising. "The banking business has been ben-efited largely by advertising within the last dozen or fifteen years. Bank-ing Institutions have done more ad-vertising than ever before. They have Installed advertising departments which acquaint their communities with facts formerly regarded In the light of Institutional secrets. The banker publishes tacts which build up confidence In his Institution. "The result has been that millions of people who formerly would not place their money In the care of bank-ers, but who hoarded It at home, en-trusted It to friends, or Invested It In wildcat speculations, now regard the bank as the safest place In the world. Hundreds of millions of dollars have been brought from their hiding places and placed In circulation, much to the advance of America and American In-stitutions, as well as American busi-ness. Newspaper advertising has done more for American banks In the last dozen years than any other single agency." Large Mileage Is Added to Federal-Ai- d Highways (Preparsd by ths t'nlnd Ststss Dspsrtmsnt of Agriculture.) Federal-ai- d roads totaling 8,820 miles were completed during the fiscal year ending June 80, 1023, bringing the total of federal aid roads com-pleted to 20,530 miles. The mileage completed during the year Is classified as follows: Mils Graded snd drslnsd 1.M0 I Ssnd-cls- y " cirev.l I. IIS i Wstsrbound macadam I3S I Bituminous macadam 461. t Bituminous concrsts U t Concrete 1.440 S Brick H I Bridges 10.1 Total 1. 1120 8 The projects under construction at the close of the J cur uuni,n'.ed to 14,772 miles and were estimated at 55 per cent complete. In sdilitlon to the 20,530 miles completed and the 14,772 miles under construction there were at the close of the year a num-ber of projects approved but not yet placed under construction, ttie aggre-gate length of which was 0,!)17 miles. Scheme of Texas Farmers for Building Good Roads A settlement of wlile-uwnk- e farm-ers nenr I.lndasy, Tex., have a scheme for mud liullillnjj. On one farmer's plnre is a kthvoI pit thut furnlolies good grnvel In iilmniliitire. Tills farm-er furnishes free the gravel for g purposes, while the other fiirmcrs grade up the rondheds and do the graveling. When the work Is completed It husn't cost anything ex-cept a little time and tabor, and thtru re do taxes to pu;-- NATION'S SAVINC.S PLANT TRIPLED Savings banks and banks having distinct savings dopartmr-nts- , not counting branches, have grown In num-bers In the United States from 5.376 In 1912 to 16.703 In 1922 or an Increase of ahout 210 per cent In ten years, says the Savings Bank Division of th American Hankers Association. Sav-ings deposits. It Is pointed out. now comprise) about onehalf of all bank deposits of every description. TRUST COMPANY GROWTH Nearly fourteen snd one-hal- f billions of dollars are the total present re-sources of trust companies In the United States. Institutions reporting number 2,478, as compared with 2,372 a year ago The actual figures for the year ending June 80 last are 114.441,-500.00- resources, ss compared with ,12.739.600,000 In 1922, representing a (tin of Jl,701,9u0,0oa. Country in Wrong Place. Miirguret, np'd four, upon hor re turn from n vlnit to her griiiiilpiirenli in Ihe ctuntr; wns nsketl hovv she en jojed her visit. "pit, pretty well," she replied, "hu I'd like the country mucb better If li was here In town." |