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Show UTAH EMERY COUNTY PROGRESS. CASTLE DALE. ft&C Poinl We A al JS LDomGn National Topics Interpreted y"""rL. most dethe bonds Is somewhat Washington. One of the d average when it is rememl! in the factors pressing economic crisis has interest will be paid bv not otherwise. The Lesson for been and still is the ment Ifobtains . a long term discouragement perienced by vast la freed from the necessity of advances to keep the numbers of solid, substantial citizens continue to shape or pay taxes, etc, mht Ll of inability as a result In homes or only the usual chance on the nZ? farms on their payments have strugpaL cities. They and towns Now, from the standpoint of to apply the gled, worked and saved sums so accumulated on a home or home owner, there Is the probabZ farm that they can call their own. In that the home owners' loan coroonu the last three years, thousands opon tion will be more lenient in thenatt thousands of them have seen these of enforcing the terms cf it or gage by foreclosure, which ft 01 savings swept away, the homes morthave the right to do. That ought to of holders the taken by farms make home owners feel more jecn gages. The mortgage holder has another an long extraordinarily taken has It for alternative. He may borrow np to time, observers here are agreed, cent of the value of the property mortgage holders to learn the lessonk per and the give the home owners' loan w little by that they gain very of poration his mortgage as securitj. practice of exacting the pound flesh in the shape of foreclosure of When the home owner seeks t the mortgage. A good many mortnse the home loan act prlviliges, h gage holders, such as tife Insurance two gets a benefit li the companies, began more than foreclosin to Run shape of a postpone. easy" "go ago years May the of the ing on property, but unfortunately IS Years ment number who pursued that policy were ity date of his debt entirely too few for the good of the That is, there Is a new mortgage written and it may run as long as fifteen country or the good of the mortgage holders as a class, according to the years. In addition, if the home owners' loan corporation agrees, the home concensus I gather around the Naowner may be allowed what amount! tional Capital. to a moratorium in the payment Ot The result of the failure, or refusal, of mortgage holders to realize the either the Interest or any Installment conditions confronting them I speak on the principal That gives the home owner a breathing spell so that if, for of them as a class Is such legislation as the home loan act One of these example, he is out of a job but hit laws was passed at the request of reputation for paying his debts li President Hoover, but that was regood, it Is not necessary for him to made at the lose his home. vamped and a new set-uThen, the home owner can obtain request of President RoosevelL If funds from the corporation without the present law works, as it appears the necessity of paying a commission it may, without too much of an exfederal the government, to anybody, and say what you will upon pense lenders of money on farm mortgages these commissions for obtaining i and on homes in towns and cities will loan are a burden. The law makes find themselves paying something of a sure there will be no commissions charged by making such an act i penalty in the end. In any analysis of the mortgage sitcrime. uation one cannot overlook the danAnother available benefit Is prIn ovided inherent for the home owner in the prgovernmentally any gers managed Institution that functions in ovision allowing him to pay off a part a half-wa- y private fashion. The home or all of his mortgage with bonds loan act and its purposes are subject of the home owners' loan corporation, to entirely the same Influences and It may be readily seen that If by face the same possibilities as the farm any chance the bonds of the corpora loan act that was initiated by the tion should sell below par, a borrower late President Wilson. That enactmieht be able to buy the bonds, say, ment has cost the government (which at 85 per cent of their value and turn means the taxpayers) many millions them In at 100 per cent. Of course, of dollars, yet it has done some good. everybody here connected with ad Of that there is no doubt But it ministration of the act Insists that never does any good to deny weakthe. hond nrlce will never fall below who think nesses. The results will be revealed par, yet there are some eventually, and they will be disclosed that condition may eventuate. in the home loan act just as they have been shown in the farm loan I hone In a few weeks to be able law. arranged by the to discuss the set-uBut the point of this consideration loan corporation oy owners' home is that extraordinary measures have whiph home owners can take advan been and are necessary. One of the terms. The tage of the legislation's things that must be accomplished is machinery is being created slowly a revival of confidence. It is agreed ,.n,i it u nhvious why that is so be among students of the situation that cause there will be two agents of the if the home loan act and the reewj home loan board in virtually will be vamped farm loan structure develop of the nation. They county Individual the any appreciable amount of new confor the point of contact those fidence or restore old confidence, It home owner and It will be from can will have been worth the price. If the details necessary that all that combined help extended by those two agents be ascertained and with themsolveo. owners of can individual enable laws be may individual problems property to have a feeling of a feeling of security and Is somThe farm loan structure thev will have done much advanced. to lead the country out onto solid ewhat further already In existence ground of economic prosperity again. some machinery terms of that law the under for use the farm and Henry Morgenthau. Jr.. th ngs The home loan administration is excredit administrator, is getting soon ceedingly slow in getting into motion. in shape so that his organisation lands. ... , Admitting that time nn Frown on always is reauired in win oe mamus iuc.ua development of Foreclosures any organization that is predicated on a new law, it does appear that the home loan board has beeu guilty of too much delay. It may be said to the board's credit, Statements and Dy )aW to make however, that it is trying to encourage holders of mortgages to postpone public a statement of statement mortgage foreclosures and to await expenditures, and a daily issued con the time when the new structure has of these items has been Xow been completely formed. The argusistently for many years. appeared has ment being used is to the effect that ever, the statement If mortgage holders forego their a new suit of clothes, and done aption of why this has been rights, as denominated In their mortgages, for a short while, they have pears to be Important a chance to emerge from the situa For the first time in the history tion with new bonds on which the this government the treasury adJjW government guarantees the interest is running a double budget i ir payments. That is, it is segregating Let us examine that privilege and of accounts all of the regular an see how mortgage owners as well as penditures such as salaries home owners may benefit. This must nary running expenses. Jn 'T' the t necessarily be considered In conjuncset of accounts, it is Mng tion with what the law offers to the called extraordinary home owner, and which will lead him J these items are the long to utilize its privileges. payments, the emergency The mortgage holder may surrenexpenditures, the payments tj der his existing mortgage to the home ers for crops destroyed, owners loan corporation, the official character. outgo of a similar name of the agency which will han, Have heard both . icy. dle the funds under the supervision commendation of the new pc of the home loan board. He will has malDta'nedshu,d get ident Roosevelt in exchange new bonds, bearing 4 per the emergency expenditures bnflg cent interest The payment of the not be included in the regula. interest Is guaranteed by the governbecause they are extraordinary ment, but the principal of 'those bonds character and will VhTwill r remains in the same category as does least none of us hopes the principal of the existing mort cur. The emergency W gage. The bonds are exempt from al) financed through being o taxation and I think It is generally the government and will says agreed they will constitute a President the so that later hen P investment. should not be considered balano It is to be remembered that the law for are being worked out limits the amount of the mortgage dwJ the regular budget co that may be issued against any propOn the other hand, It bat to bufcet $14,000. erty The total loan may that this is a dishonest not be more than 80 reprtit does not properly appraised value of the home, so that financial standing of our B" Unio it may be said the security behind . 1933. Western Newspaper . three-year-ol- Ef shy-loc- ' i3rvC'! ; .... 2 h Ij hS J By ELMO SCOTT WATSON .J NE does not usually think of the United States Military academy at West Point as other than a man's world, yet there hare been several women who have had such a part In Its history as to make their names a part of the "West Point tradition." The first of these was the woman known to fame as "Captain Molly." In the cemetery at West Point stands a monu ment bearing a bronze tablet which shows In a stalwart woman standing behind a cannon, ramrod and portfire In hand, and below It Is this Inscription: "In Memory of Margaret Corbln, a Heroine of the Revolution known as Who at the Battle Captain Mollle,' of Fort Washington, New York, when her husband, John Corbln, was killed, kept his field piece In action until severely wounded and thereafter by act of congress received half the pay and allowance of 'A Soldier in the Service.' She lived, died and was burled on the Hudson river-ban- k near the village now called Highland Falls. In appreciation of her deeds for the cause of liberty and that her heroism may not be forgotten, her dust was moved to this spot and the memorial erected by the National Society of the Daughters of the American Revolution In New York State. 1926." Such Is the brief story which the tablet tells but there are other details worth recording. Until her death In 1800 she lived In a private home near West Point, supplies for her being sent direct from the secretary of war. An interesting sidelight on that part of her career was revealed recently when Capt. Walter 1L Wells, Intelligence and publicity officer at West Point, In digging through some of the old files at the academy, came across the manuscript letters written by Ma J. George Fleming, commander of the arsenal and ordnance and military storekeeper at West Point, to "The Honorable MaJ. Gen. Knox, Secretary of War." On October 7, 1786, Fleming wrote to Knox: '1 have sent another account of Mrs. Swim's for taking care of Captain Molly up to the 27th of September and have removed her to another place, as I thought she was not so well treated as she ought to be." On July 8, 1787, there was another letter which does not paint a very flattering portrait of the Revolutionary heroine. It said : "I have drawn three orders on you, for the maintainance of Captain Molly, In favor of Mr. Denniston: one Is from January 19 to April 12, the other from April 13 to July 5, 1786, Inclusive, which accounts were lodged In the war office last fall, and are Mrs. Swim's. The other Is from September 28 to July 5, 1786, Inclusive, and will be delivered by Mr. Denniston for Mrs. Randall. As Molly is such a disagreeable object to take care of, and I promised to pay them every quarter, I have been obliged to borrow the money to pay the people; If It can possibly be replaced, I ebould be very glad." On April 21, 1787, there was another letter with a curious touch of an eternal feminine problem something to wear I On that date Fleming writes: "I am informed by the woman that takes care of Captain Molly, that she Is much In want of Shifts. If you think proper to order three or four, I should be glad." Two months later, on June 12, he wrote again to Knox "If the Shifts which you informed me should be made for Captain Molly are done, I should be glad to have them 6ent. as she complains much for want of them." Whether or not Captain Molly ever got her "Shifts" Is unknown, for there Is no further reference to the matter nor does her name again appear In the records after 1789. In contrast to the militant spirit of "Captain Molly," both In war and In peace, was the spirit of another woman whose name Is written high In the annals of West Point She was Miss Susan Warner, the daughter of a New Tork city attorney, who upon retiring from practice In the metropolis made his home on Constitution Island in the Hudson river opposite West Toint He was accompanied there by his two daughters, Anna and Susan, and every Sunday afternoon for years Miss Susan conducted a Bible class for the cadets at the military academy. Had she lived she would have found among the names of the general officers In the World war many who had attended her classes. A frail, small woman who still clang to the poke bonnet and the bilk dress of the Civil war period, she was rowed across from her island home and carried in a military conveyance to the hall set apart for her in one of the academic buildings. She came to be regarded as almost a part of the teaching corps of the institution and .on her 1 vl p lip bas-reli- ef 1751-180- i ( 0. I. t A JQ. 1,'" ITftl St J ' J Mt WW. 1. Mrs. Louise Regan, maker of chevrons for West Point cadet uniforms for 50 years. 2. Letter to General Knox, secretary of war, from the military storekeeper at West Point referring to an "Account for Mrs. Randall taking care of Captain Molly twenty-fou- r weeks, being from June 7 to November 21, 1787, inclusive." Miss Anna Warner, sister of Susan War-ne- r, author of "The Wide, Wide World" and Sunday school teacher for West Point cadets. 4. The monument to "Captain Molly" in the cemetery at West Point. 5. Inscription on the "Captain Molly" monument telling of her heroism in a Revolutionary war battle. 3. 6. Picture of Cadet Henry Moore Harrington framed in Indian beadwork. $ $ death she was buried with military honors beside the cadet monument in the West Point cemetery. Her sister, Anna, following her wishes, gave Constitution island to the United States government, and their home there is preserved as a memorial. But Miss Susan's connection with West Point was not her only claim to fame. Under the pen name of Elizabeth Wetherell, she wrote two books, "The Wide. Wide World," published in 1S51, and "Queechy," published In 1S52, which attained a wide popularity. Of "The Wide, Wide World" It has been said that "it was the most popular novel ever written by an American with the single exception of Mrs. Stowe's famous story, 'Uncle Tom's Cabin.' " It attracted as much attention in England as In America and It was translated Into French, German and Swedish. However, Miss Susan was indifferent to this fame for it is recorded that she "never liked" her book, "The Wide, Wide World." Perhaps she unconsciously anticipated the criticism that followed its publication. A French critic marve eled at America's reception of a novel devoted "to the history of the moral progress of a girl of thirteen." An American critic described it as having little story, not a semblance of melodrama, and declared that its success was "purely artistic." It is one of the literary traditions of New Tork that, after the readers for George P. Putnam had advised against it, he was persuaded by his mother, who read the manuscript, to publish it. Long before Miss Susan became the Sunday school teacher for the cadets there was another woman who had an important place In cadet life at the academy. She was Miss Blanche Berard, who was postmaster there for half a century. Appointed by President Tolk in 1847, Miss Berard held her position there until 1897 and few of the cadets, perhaps, realized that back of her pleasant smile, as she passed out their mall to them, there was the bitter memory of a tragedy In her life. As a young girl Miss Berard was engaged to an officer attached to the academy. One afternoon this officer rode his spirited horse, of which he was very proud, to the post office to demonstrate its good points. But the horse became frightened suddenly and threw the officer off, killing him. So the woman postmaster remained "Miss" Berard to the end of her days, true to the memory of her first and only love. But one big thrill came to her In her later life. While on leave of absence from her duties at West Point, which she spent'in Europe, Miss Berard had the honor of being presented to Queen Victoria of England. It is an interesting coincidence tljat the pres three-volum- ent postmaster at West Point is a grandniece ot Miss Berard and that there has also been tragedy In her life. For she Is Miss Grace Aileen Harrington and she Is the daughter of Lieut. Henry Moore Harrington of C troop of the Sev enth cavalry who perished with Gen. George A. Custer at the Battle of the Little Big Horn on June 25, 1876, and who was one of the three officers whose bodies were never found, at least, not Identified after the battle. Not only is the ignorance of her father's fate one of the tragic incidents In the life of the woman who is postmaster at West Point, where so many of Custer's officers were once cadets, but there is another tragic memory which she has carried through life a memory of her mother, who suddenly disappeared several years after the Custer battle. "Amnesia it would be called nowadays," Miss Harrington says, "but at that time it was ascribed to grief and the uncertainty of what had happened to my father. Several times we heard from Indians that a lady dressed In black had been seen on the battlefield. Other reports came from Indian territory. We investigated all these rumors and finally after twa years we found her in Texas where a severe attack of pneumonia had served to bring back her memory so that she knew who she was. But she was never able to give any account of her wanderings while she was gone or why she was there." As Miss Harrington stands behind her desk In the post office amid the busy turmoil of mall distribution for the 1,260 cadets at the academy and an equal number of officers and regular soldiers, she can look up to two pictures on the wall which serve as a link between the bloodstained battlefield of the Little Big Horn in far-of- f Montana and the peaceful banks of the Hudson. One of them Is a picture of her father in the regimentals of the Seventh cavalry, the uniform which he wore on that fatal day in June more than half a century ago. The other is a picture of Cadet Henry Moore Harrington. It Is enclosed in a frame made of beads and these beads were obtained by her mother from Indians in Dakota perhaps members of the very same tribe who overwhelmed Custer and Harrington and all the other gallant officers and troopers of the Old Seventh. Among the other West Point traditions is one of perfection in attire and one of the requirements for that perfection is perfectly aligned and perfectly sewn chevrons worn as the insignia by the officers and officers in the corps of cadets. Those ornate chev-ron- s of gold lace, black braid and broadcloth are very difficult to make, since they require great skill and experience In the making, but woman Is a there who has proved herself capable of the job. For more than fifty years without a break Mrs. Louise Regan of Highland Falls, N. T., has made every chevron, gold or gray, worn by the Straightstanding West Pointers. She really started sewing them when she was ten years old but her uninterrupted service with the cadet store of the academy began when she was eighteen and since 1879 all the corporals' stripes and insignia from sergeants up to regimental commanders have come from her hands. She is past seventy years of age now and she has made stripes for many cadets who are generals in the army today. It Is difficult, says Harris P. Scott, manager of the cadet store, to turn the Btralght-rollegold lace into the curves necessary to make those long V's turned up without drawing or wrinkling the material. Five yards of gold lace are required to make a pair of chevrons for a regimental adjutant of the corps of cadets There Is also the background of broadcloth with the silk striping between the gold lace. This lace is of real gold and is imported from France It Is all hand labor and the material must be worked in cool weather as hand perspiration deadens it. She works from January to June each year making chevrons for the cadet offlcers-to-b- e In June after graduation. Mrs. Regan is a widow and without children She .was born in Highland Falls, moving to Yonkers upon her marriage and then returned to her birthplace. The cadet store has sent her the work wherever she was. Her health is splendid and though the work is hard on the eyes she hopes to continue as the only maker of the splendid gold and gray and black chevrons that grace the uniformed sleeve of tho West Pointer. d ( by Western Newspaper Colon.) p ic w J "PeSnef high-clas- s fP, |