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Show THE RICH COUNTY REAPER. RANDOLPH, UTAH J. Bert Easley Convention Speaker J. Bert Easley, Assistant Director of Mortgage Insurance, of the Federal Housing Administration, Washington, 1, o., spoke June 17th before the Utah state Banaero Convention at Zion Canyon National Park. His subject was Banking Profits under the National Housing Act. Mr. Easley brought out many pertinent facts on Federal Housing Title II Loans as sound investments for banks. In discussion of the question of liquidity, Mr. Easley said, "The only genuinely liquid asset is cash. The basic principle of banking is that a substantial proportion of deposits may be invested in earning assets. Alter providing a sufficient cash reserve for care of the normal requirements of depositors, plus an added reserve for the sake of conservatism, the next seconbtep is to establish a dary reserve. This consists of short term Governments, other highly marketable securities, and short-terloans to customers. Beyond that, it is entirely sound for a bank to invest depositors money in longer term investments that return a higher yield, provided they are safe. It is this long term part of a banks investment program with which the Federal Housing Administration is concerned at this time. Insured mortgages offer in an exceptional degree a combination of safety and attractive yield, and no banker can fulfill his obligation to his stockholders who does not give the fullest consideration to this sound and profitable outlet for unemployed funds. In addition to this, as custodiaifg''of credit, bankers cannot afford to vrafe. hold the benefits of the Better Housing Program from the communities which they serve Bankers must eventually return to their basic function of lending money directly, rather than indirectly through the pur chase of securities. They will be obliged to step into the field of individual credit in whatever form it may take if they expect to survive Title II of the .National Housing Act provides a solution for a substantial part of a bankers need for a safe outlet for funds safe as to protection against loss and safe as to liquidity. (By ORA F. PATE) PART XII CONTINUED The extent of the Saviors visit was almost spent; and in final admonition He offered, Whatsoever things ye shall ask the Father in My name shall be given unto you. Therelore, ask and ye shall receive; knock, gud ii shall be opened unto you My joy is great, even uuto fulness because of you and also this generation who are now alive; none of them are lost. To the twelve He concluded, Enter ye in aL the straight gate; for straight is the gate and narrow the way that leads to life, and few there be that find it, but wide is the gate and broad the waj which leads to death, and many there be that travel therein, the night cometh, wherein no man can work. Then having explained llis mission and having commissioned agents to car ry on His purpose the Savior depart un-ti- ed. Great as were the works of these twelve disciples, effective as were the measures of peace, the heritage of mortality has made men choosers of good, or of evil. Scarcely two hundred years had passed before the sacred order that the Lord had established had become interrupted. People were no more content to honor as the truth the sacred tradition recording that had been preserved for them. Although for scores of years there had been no tribal differences, at this interval the old rebellious spirit of the Laman ites again became evident, and divisions were effected. By 300 A. D. 'the ue form of Christian worship could not be recognized. Sacred ordinances . were connoted and Again ihe' contending nations became known as Nephites and Lamanites and resumed the old feud in chan-rod- all its Ammoron. custodian of the sacred record in 321 A. D. grew justly uneasy over his charge. There were erring souls who would have destroyed the record had they come into 0f it. Accordingly he bur ied the numerous records and scriptures in a hill. Finding a ten year od bov whom he knew to be a ober Ammoron child and nuick to PASS BOOKS FURNISHED TO efi arced him to confirm" to observe MORTGAGOR BY FEDERAL the conduct of the nron-lunt'l be ch, become twenty four years oTd HOUSING ADMINISTRATION at which time he should to to the eer- Pass books for the convenience of both mortgagors and mortgagees are being furnished by the Federal Hous ing Administration for all Title II loans. These pass books will take the place of receipts for monthly payments and serve as protection for both mortgagors and mortgagees. on-l- hor Fair Assessment ANOTHER ERROR THE STORY OF THE BOOK OF MORMON tarn hill, take up the sacred engravings, and recoru thereon the extent of his observation. That boy was Mormon. But war and carnage disgraced the land, and wickedness was all there was to record. The people were left alone to fignt their own battles m human strength to stand or tali before their enemies. Mormon at rae age of sixteen was appointed, leader of the Nephite armies. But he went forth faithlessly, knowing that the divine help they hail once claimed was now withdrawn. In their atfliouons the people would curse life and their creation; then in fitful efforts to prolong their existence they would wage bloody conflict Mormon carefully compiled the records of his possession. Soon should his race be as an epoch of the past ; the sacred truths of many centuries lay in his custody. He knew that at some late day they should be revealed for a Divine purpose. He knew that the Bible would be had among the Gentiles, and inclosing his abridgement of the western scripture he wrote that the history of his compiling was written lor the intent that we should believe the Bible. If ye believe tlhat, he wrote, ye will believe this also. In the battle that blotted out the last 230,000 of his race. Mormon fell. This was about 385 A. D. Moroni, son .of Mormon, was the sole survlver of the Nephites. Alone he tread the solitary way. Before depositing the records where they must lie for fourteen hundred years, he inscribed this testimony: Andwheu ye shall receive these things, I would exhort you that ye would ask God the Eternal Father, in the name of Christ if tlwse things are not true: and if ye shall ask with a sincere hearr. with real intent, having faith in Christ, He will manifest the truth of if unto you. by the power of the Holy Ghost. And by the power of the ye may know the truth of all things .... nothing that is good the Christ, but acknowledgelh that He is. Holy-Gho- bet-for- e You know very well She that you had to ask me three times before I would consent to be your wife. He Yes, J know and that only goes to show that It is sometimes possible to be too persistent. 1- - AN EYEFUL For Petes sake, Mr. Potato, stop crying, youll flood the place." 1 ON RELIEF i st de-niet- h You have listened ANNOUNCER: to the concluding chapter of the Storv of the Book of Mormon. You may ob tain a copy of the Book by writing to the Mormon programe. in care of this I 1 station. dont see how Broque can afford to wear a suit of clothes. Oh, he can afford it all right, but dont see hmv his tailor can. $50 iilWigaBTCn We now present to our readers a startling magazine offer which will and help you to provide entertainment fampleasure for every member of the ily. Now you can have the best magazines and The Rich County Reaper at a bargain price. This is what you get: 1 Tear Rich County Reaper Year .1 issues) (52 Pathfinder Year Poultry Tribune 1 Year Home Country and your choice of one of the follow- will bring the temperature of the milk to within a few degrees of the temperature of the water. Then when the can below the cooler is full, it should be set in a water tank, ice box. or electric refrigerator and left there until delivery is made. If no cooler is available, the can may be kept in a convenient water tank as milking proceeds. Stirring the milk with a clean stirirng rod at intervals will hasten, the cooling process, the specialist explains. The temperature of freshly drawn milk is atxjut :)5 degrees Fahrenheit. If a cooler can be rigged up that, with the use qf well water, will bring milk down to CO degrees, a big slice has been cut' out of the cooling bill even though ice or electric current is necessary tb bring the temperature down to the desirable range of 40 to 50 dewhich Madazna ilOU)0)U; fOUR BIO . r . that this will be the straw that will break the camels back, and that our shippers and producers who are now paying freight rates which are out of all relation to the values of their commodities cannot stand up under these additional burdens. 1 1 It is competition. We feel THE NEW DEAL EXTENSION NEWS NOTES grees. Washington, D. G., June 26 Charles tmef of transportation of the Idaho public utilities commission, placed before a congressional commit- -' tee a demand that the west be accorded the same fairness in assessment of freight rates that is granted eastern states. Mr. Root appeared as a witness the house interstate commerce in the hearings on the bills proposing repeal or modification of the long and short haul law. Since the time when it became unlawful for railroads to charge more for a short haul than for a long haul, Idaho and other intermountam and inter mediate states have been sub jected to many unfair discriminations by the railroads serving our state, eaid Mr. Root who was for many years with the legal department of the Union Pacific railroad. occur by These discriminations reason of the fact that on a large number of commodities to and from our state and the East we are charged exactly as high a rate of freight as are the coast cities lying from 400 to 800 miles farther distant than we are. This practice has continued up to the present time, and we feel that we should be accorded railroad freight rates which will reflect the lesser distances our shipments travel than those made to and from the Pacific coast cities, the same as in effect in the eastern part of the county today. We are firmly convinced that should the present fourth section (long ana short haul clause) be weakened or elminiated from the interstate commerce act and railroads permitted to reduce their rates to and from the coast cities in order to meet alleged boat competition they will, without fail, seek to make up losses sustained through such competition from the only available source, and that is the intermountain states, which are at ready penalized in order to provide funds for the rail carriers to meet truck competition. In case the Pettengill bill is enacted, Idaho and similar intermediate territory will thus be confronted with increases to provide funds for truck competition, which increases are already authorized, and further increases to provide fundg to cover losses incurred in destroying the alleged "boat A. Root, ing MA0AZIN6S Mid-wee- k , r r poor practice to add warm milk to cold milk, he cautions, as doing so results in raising the temperature of the mixture for a short .peri od of time, which is usually long enough to permit bacterial growth to the point of creating The important points to follow as Mr. Caine. sums them up. are: First, keep clean and sterile all utensils with which milk comes in contact; second, follow some system that will cool the milk quickly: third cool it to a temperature of 40 to 50 degrees in order and fourth,-sebacterial crowt-hto it that the milk stays cold until it reaches the market. ,a J!OO i Strength of the Firefly Certain fireflies emit a light that, y. BARGAIN OFFER 1 O Q -- t- Sinking of the Tutcania The Tuscania- - was a British ship carrying United. States troops during the World war. She was sunk on February 5, 1918, off the coast of Ireland after having been struck by a torpedo. Two hundred and fiou lives were loet 1 year mos. 1 year 1 year .. 2 years ( mos. 1 year National Sportsman Popular Selene Monthly Market Growers' Journal Womans World t Cappers Farmer Etude Music Magazine Q Junior Home Magazine k Pictorial Q 13 issues 2 years Mid-Wee- American Frjit Crower Breeders Gazette Womens Home Companion We guarantee this offer to be exactly , IlJ 1 as represented. 2 years 1 year year year year year MAIL YOUR ORDER TODAY! me special offer No. marked with an (X). Renewal subscrip- tions will be extended for the proper time. An Excuse for Murder At certain periods of the year on the hot plains and deserts of South America, South Africa and Asia Minor, bitter and burning winds blow for several days at a time and so affect both humans and animals that persons who commit crimes, even murder, during tlese gales are seldom punished. Colliers Weekly. nerve-rendin- g McCalls Magazine .. 1 year Everyday Science A Mechanics . 1 year Household Magazine 2 years Silver Screen 1 year American Home 1 year Hunting & Fishing ............. 1 year Boys Life (Boy Scouts)......... lyear American Cookery ( mos. American Boy .. I year Parents' Magazine 6 mos. Pictorial Review 1 year Gentlemens Enclosed find - NAME $ SN-- 1 for which send and th magazine I have ( STREET or R. F. D. TOWN First Moravians . , The first Moravian settlement In America was at Savannah, Ga., In 1735. The colony moved to Pennsylvania In 1740. Under the leadership' of Count Zinzendorf, the colony, numbering several hundred, throve. They were communists, contributing to and living on a common stock. They were extremely Industrious. STATE Girl Scouts of a candle-powe- r, although only is so penetrating that it passes through Fin-bapaper, flesh and wood, writes J. T. Emporia, Kansas, in Colliers photographs Weekly. In fact. of these substances have been made by this insect illumination. th AND ONE OTHER MAGAZINE LISTED BELOW Mark th publication desired with an (X). f ni asnamuj uagAi 018 si sqjuoin am ui isajSBj araoD mfijaq a; sasnajoai pumj jaqio am uo lupujo Xjoituoqirj ipjeasag b oj SuipjoooB saiuiM AlJBa puB'nBj am nj jsajsaj ainu jam0 us 1 nnqj J1 uibS'pub bn ljadv Sujjnp ai.uos eunf pu ajotn jqSjaM uibS uojpuqa iqilBaH n! TO u,JPl!H3 1 1 1 COUNTRY HOME POULTRY TRIBUNE 1 , SN-- 1 THIS NEWSPAPER PATHFINDER (52 issues) No Talking at "Dinner The Shakers of Ohio, now extinct, leaving only the name Shaker Heights to remember them by, in their own way took their meals as seriously as the calory-consciopersons of our own day. No loud talking was permitted while they ate, and enly such conversation was allowed as became necessary for the serving of food. - : National Sportsman, Popular Science Monthly, 0 months, Market Growers Journal, Womans World, Cappers Farmer, 2 years, Etude Music Magazine, 6 months, Junior Home MagaPictorial, 13 issues, zine, American Fruit Grower, 2 years, Breeders Gazette, 2 years, Womans H .me Companion, McCalls Magazine, Scic nee & Mechanics, House hold 'Magazine-- 2 years, Silver Screen, American Home, Hunting & Fishing, 6 Life, American Cookery, Boys MagaParents American Boy, months, zine, 6 months, Pictorial Review. unAll magazines are for one year less otherwise designated. y, X-ra- y The Ark and Dove Ships The Ark and the Dove were the ships which brought the first sett.ers The of Maryland to this country. Ark was a ship of 350 tons burden and the Dove a pinnace of 50 tons. They sailed from Cowes, Isle of Wight, and landed their passengers at St Marys City In the spring of 1634, after voyage which took the whole winter. 4 First Horse Cars The first horse car line was opened in New York city November 14, 1832. The cars resembled stage coaches and accommodated from eight to ten passengers. The line was operated by the Harlem Railroad Co. and the tracks were laid on Fourth avenue between Prince and Fourteenth street. Objective 'The Girl Scouts, a national association, is nonsectarian and nonpartisan. The object of the organization is to give girls, through natural, wholesome pleasuro, those habits of mind and body, which will make them useful, responsible women, ready and willing to take a definite part In the home, civic and national affairs, of their country. . 1 seJDB 018 oobuotc PUB sejDB i'80I etnoa jo qainqo pus eeg aq jsa limns eqj Iseiitn OJBnbs 8ZZm8 si na jaiAOS si (aJidrag qspa aqi o jxeu) jsafiJBi eqx 3a auo sb sajuo 03 aaq qjp& eansig 'auo sb ejidmg qsnijg aqj 2uquj 83jjunoo jueaejjjp 89 sjsn q0H s.uBmsajBJs aqi eauiunoQ jo jaquinjq -- |