Show THE GARLAND 111 The end of June statethe banks of the are now a Deposits ot record and Increas e surprisingly nearly Washington— of all of all of the individual in dehave shown increases and resources over a year ago A couple of the largest banks In New inYork showed such astounding creases in deposits as $100000000 compared with June 1033 But Irrespective of the increase in deposits — that is the money actually In possession of the banks — almost none of them disclosed any Increase In the total loans now outstanding Indeed the rule was a decline from June 30 1933 Banking authorities In the government and outside tell me these figures on deposits and resources clearly Indicate an improvement in the general The Federal Rebanking situation serve board In Its latest review of conditions declared the banking structure was on a much firmer foundation Yet the fact that the banks have not made loans is being seized upon by a certain and alleged segment of politicians as proof that the banks are economists not doing their part From very high In we hear the administration quarters intermittent yelps that the banks are and are not attemptnot ing to loan money This condition as they construe it is being used as the excuse for the existence of numerous of the government loaning agencies and for other activities under the New Peal that result in getting money out Into the country The circumstances in the decline of bank loans however Is to my mind not such as the critics of the banks claim It must be remembered first of all that bankers when they make loans are putting out money belonging to you and to other depositors They must be reasonably sure of getting It back even though we do have now the Federal Deposit Insurance corporation that Is supposed to prevent losses for Bankers therefore are the depositors willing to make loans of the vast sums of Idle cash their banks hold if they can only find someone who will put up security guaranteeing a return of the borrowed funds While some of the critics of the bankers have been continuing their attacks I note statements from the Pubfrom the Relic Works administration construction Finance corporation from the Home Owners' Loan corporation and the Farm Credit administration among others which show very clearly that the government or Its agencies Is unwilling to make loans unless It can foresee a reasonable chance for repayment Just the other day the Pubwithdrew an lic Works administration allocation of some $fl 877 000 for con structlop of a bridge In Chicago because according to Public Works Administrator Ickes the political subdivision of that city having Jurisdiction was unable to provide a guarantee of Every day repayment of that loan local units of the Home Owners’ Loan corporation are turning down applications by home owners who seek government money through mortgages od their property to aid them In whatever distress they find themselves The same statement may be made respecting Fnance loans by the Reconstruction corporation In Its dealings with in- banks posits dustry Lately the various Federal Reserve banks Issued a weekly statement of their operations and only three of the twelve reserve Institutions reported having made loans to Industry see I bare Inquired In numerous quarters for reasons why borrowers were so The consensus few me by men given vvho should know Is that there are two distinct reasons for the small amount of loans being made by banks and of course the same reasons apply In the case of government loans except that the government has been known to pnt out money In place from which It probably never will be returned One of the reasons mentioned was that Individuals and firms who most need but their own have nothing money signed obligations to put up as a guarantee Obvlonsly if an Individual resources the no or a corporation has note of that individual or that corporation Is of little value however honest the borrower and well Intentloned Why Borrow era Are Few may be The second reason and one that Is of conquite as Important Is the lack me men tell which business exists to a large extent In commerce and industry Whatever is the basis for this lack of confidence Is not a matter of concern In this discussion but its existence seem to me to be a fidence matter of the gravest Importance Whether taxpayers are afraid of the burden In levies which tney can foresee Is the reason for their hesitancy Many Is not now wholly apparent observers sre convinced It is an inThere is also the fluential factor so often one hears which question asked: Where and how far does the New Deal Intend to go In socialization It seems to be obvious and reform? that each of these and perhaps others are factors standingTln the way or a sound expansion of business under the recovery plan In the meantime the federal govern- - to be assumed that conditions were below when par many owners of Use tomoblles would dls- Their Care pense with their mauntil chines they Such were better situated financially however seems not to have been the case In the last year Automobile registrations while they declined In 1933 continued to remain at an unusually with recent high figure as compared Official statistics show that years motor vehicles were in use last This is only 1 per cent below year 1932 The decline from 1931 to 1932 was larger but the point Is according to officials that the decline was very small The authorities Insist that the In total motor vehicles In reduction use as compared with 1032 should be considered as hardly noticeable when the whole country and the whole number of motor vehicles Is considered Although I have not the official statistics concerning the sales of new cars last year responsible sources Inform me that this business was very much Improved and they add also that the sales for 1934 In the first six months This have been exceptionally high would Indicate that a great many dividuals have found money In some could wblch or another they way spare for a new automobile observers lately nave Washington noticed an Increasing tendency among conservatives throughout the country to or whether Democratic Republican align themselves under one banner as yet Is much In the The movement embryo but I am told by various obwith poservers who are acquainted litical trends that the alignment is taking a rather definite shape Some months ago I reported In these columns the belief of many political as Presileaders that Mr Roosevelt dent was definitely engaged In the formation of a Roosevelt party that would adhere strictly to liberal standards Assignments which 'the PresI which dent has made the legislation he has proposed and his general attl tude on social matters coupled with an absolute disregard of old time Democratic principles has laid the groundwork for the regrouping of voters unalignder a liberal and conservative ment It Is to he noted In this connecIs continuing tion that Mr Roosevelt to expand his liberal doctrines under the guidance of some of the political leaders heretofore held to be radical members of the two old parties Another noted now factor and Influence that Is to be at work Is the gradual concentration of Conservative business Interests on the conservative side Trend of political questions under the New Deal Washington has of efforts being made heard lately which would result In the molding of business Interests or the spokesmen Into a compact organization therefor as a means of combating policies of the New Deal regarded by business leaders as radical In character It Is too early to attempt a forecast as to the scope of this move Nevertheless It Is quite apparent that a concentration of this strength Is under Not only will these men and way terests oppose expansion of such policies ss NRA and the AAA but they are organizing to fight the burden of taxation and to oppose extension of government In business It Is a matter of record of course that the tendency of government policies in the United States since the World war has been steadily to the left Conservatives have been unable thus far to check this trend largely element because the conservative It is imnever has stood together portant and significant therefore that for the first time we are observing the organidevelopment of a conservative zation In this country which has the avowed purpose of turning the Ameriback somewhat to the can government right and as the leaders describe It as it back again to the Constitution was originally drawn ky Wutira Newspaper Cals UTAH household which should be granted this Indulgence Mothers are usually on the watch for such temperamental disturbances after a good time Many adults have not outgrown this perfectly natural reaction of tired nerves and bodlea Tha difference la that mothers knowing the cause serido not take the circumstances Unimportant ment is going ahead with lta program to spend our way out of the depression Here Is one item to show what is happening This road building has resulted In the construction of enough miles — more than 22000— of new highway almost to encircle the earth This money was voted by congress In the last session as a means of creating work Proand adponents of the appropriation ministration authorities hold that the $400000000 earmarked for road buildof new ing would provide thousands Jobs Bureau of public roads flghres Indicate that this has been the result who are but I find many observers whether the amount ef wondering money that has been paid to labor fi a propel been has construction highway proportionate part of the total sei aside when the purpose was solely the making of Jobs Total figures by the public roads office show that 63(50 miles were completed and In use on July 1 of this year and that 14000 miles were under construction with the probability that they will be in use by the end of 1934 the buContracts have been awarded of reau has said for the construction about 1900 miles more and work on this portion will be under way In the late summer It used economic Humor Result of Tired Nerves Temporary Upsets Should Be Looked Upon as National Topics Interpreted by William Bruckart ments TIMFS GARLAND ously Adults are not always aa fair or Howgenerous In their Judgments Sven in the best regulated seem at the time nothever It it frequently happens that a ing said may In such a mood should be time other or good outing party Let the sun taken aa significant which calla forth nervous energy is shine as soon as the moment allows followed by a quarrel or at least a and realize that all that were good feeling of irritability which makes frienda before still are the same the tension high in the home circle and that a nervous system which The Important matter Is to regard sometimes becomes tyrannical has upseta aa wholthese temperamental been playing a few rather showy ly unimportant They are purely the tricks which have nothing to do with result of fatigue and no personal the basis for love and friendship grudge should be held for the 6 Bll Syndicate — WNU ervle currence regrettable though it Is and unpleasant at the time Climatie Control Just a thunder showers follow a New methods of controlling indoor hot sunshiny day so these tempera- climate are likely to revolutionize the mental outbursts are purely the White people will habits of mankind cou be fect of too much exuberance able to live In the tropica without pled with the necessity of being with losing their health and energy Bays close companions when the real need Nature Magazine It will no longer la for a little period of rest and so- be necessary for the government of If possible to give yourself India to litude bodily to the "hills" migrate the "break" which a little rest and 1th the advent of the hot season quiet affords after a strenuous time and Baguio will lose Its utility as the do so for the take of yourself and summer capital of the Philippines others But If this is not possible andxa deluge of words begins to be hurled fronT friends or members of the family yourself Included let the vent pass as quickly as does a momentary shower and as soon as the "air has cleared” let it be forgotten fewest Hold It Is not Just the children of the Salt Lake City's ll!$ COOL SAVE TIME KEEP the HOTEL Iron will THIS Coleman 1 you mora time and work cHan a $10000 waahlng machinel It will aavw your help you do better Ironing etrength eerier and quicker at leu cou TEMPLE SQUARE art Instant Lighting no hearing no wtltinf The or torch double pointed beeo trone with fewer ttroke ferment smooth bate elidee eestef Ironing time is um h Heet itself reduced coete only Economic! too nrwhere ft n hour to operate See tour harddealer U local ware or bouaefumiahing dealrr doean’t handle write u LAMP AND 8TOV® CO THBCOLFMAN Chkww 1U1 Wfchiuu Kan ut Cux Stlphte Pe J Lot tuom Toronto Ontario Canada with matchei Lffe fUe 200 Rooms Radio 200 connection RATES Jute 0ppo ERNEST net Utram Next Year Go Westminster College First wash with pure Resinol Soap Then relieve and improve sore pimply spots with soothing TIIE newemdiuse EHBTEIL W te‘4 Distinctive Residence A RATES $150 Tilinuli C ROSSITER Beautiful 40 cr campus Modem Building and Equipment High Scholarship Strong Character and Social development Physical education Low Coat Tuition Board e and Room In regulated dormitories Government Jobe for needy and worthy students FREE new pamphlet "An Educational Opportunity” mailed on request II W REDERD D B Bl res dace “Sicken Ocit?" SINGLE to Tile Baths in every room FROM In Britain the Efern estuary has whefi a current of muddy water was big tides and there la a scheme for run through it the mud particles making a barrage across this A de- were deposited so as to reproduce tailed official report was recently with extraordinary fidelity the sand made on the project writes corre- banka and ahoals that exist In the spondent In the London Spectator real river The results seem conIt would cost about SO 000000 clusive that a barrage could have no pounds and by Itself could uot comserloua effects on shipping pete with electrical power generated by burning coal But with the aid of water power from the dams In Wifey Pick Than the Wye valley nearby It la estimatJustlred— After marriage a man ed that It could supply all the south- finds out who hla real friends are west of England and Walea with Friend— Howl of the present power at Justlred — His wife unerringly cost picks them out for him to shake Schemes like this hare to bo careful not to upset existing arrangements and Bristol la naturally very anxious lest a huge barrage should Interfere with navigation In order TO to settle this question wonderfully accurate models of the river bed hare been made and the effects of a SAIT LAKE CITY UTAH Mrs J H Waters An Abode renowned President West the Throughout Salt Lakefs Most Hospitable HOTEL Invites You SAVE WORK with barrage on current! and on anting-nBritish Engineers Plan have been studied on the model Way to Harness Tides The model la so accurate that 200 TUB Hotel BJewIiouse W DOUBLE $250 to $4 A0 400 Rooms 400 Baths E General Manager SUTTON W WEST CIIAUNCFY Assist Cart Manager Afgr TRY CAMAY AND YOU MAY 'fattt i vv f ‘ A " ° ' " M "V' r and 553 Prizes all given to Women iiko Yourself for Writing Short Simple Letters about Camay! This Big Cash women use of Beau It’s so marvelously mild — to delicately per fumed — so generous of lather But to get 2000000 mors women to try Camay this extraordinary Prize Contest is offered Think of it —the First Prize Is $1000 every year as long os you live! And that’s only the first prize —one of 554 prizes in all to be paid to women like yourself I Millions of Soap Imagine what It Matin To Win $1000 a Yoarl Why if you won that first prize the things you have longed for would be yours A new car— a long vacation — more comforts for yourself and greater advantages for the children Why Do You Uko Camay? Just try Camay Use this fine beauty soap on your face and hands and in your bath Feel its rich caressing lather Feel how gently it cleanses your skin And then tell us why you consider Camay the finest beauty aoap for your skin Write your reasons on a plain piece of paper and attach to it S green and yellow Camay wrappers or 8 copies of the wrappers drawn by yourself It’s easy For it’s just your honest opinion we want as simply told a a you’d tell a friend why you prefer this pure white beauty soap And you have 851 chances to win! vary Woman Can Win Now Skin Boauty with Camay Even if you’re not among the money winners this contest will help you to discover the one soap that is best for your skin Camay is almost sure to do for you what it has done for thousands of women — give your complexion a fresh clear loveliness! SIC HOW SIMM EASY IT IS— READ THKI RULES 1 Anyone may compete except employees of Procter k Gamble (and affiliated companies) the Union Central Life Insurance Co and their families 2 Write 100 words or less on "Why Camay Is the Best Beauty Soap for My Skin” Attach to your letter 8 green and yellow Camay wrappers or 8 Wnte as many entries as you copies wuh but each must be accompanied by 8 Camay wrappers or copies and signed by the actual writer 3 Print your name and address and the name and address of your regular dealer or grocer on your letter 4 The First Prize of $1000 a year for life will be awarded each Christmas Day beginning Christmas 1934 for tha remainder of the winner’s life to the contestant whose letter the Judges think best (If tha winner elects a lump sum of $10000 cash will be paid as First Prize in lieu of $1000 a year for life) First Prize guaranteed by the Union Central Life Insurance Co All prizes except First Prize are sash payments B Letters will be judged on the clearness sincerity and interest of the statements you make about Camay and prize will be awarded for the best letters meeting these requirements Judges will be: Katharine Clayburger Associate Editor Woman's Uome llildcgarde Fillmore Beauty Editor McCall's Magazine Ruth Murrin Beauty Editor Good Magazine The judges of this contest are unbiased They will judge only the effectiveness of the arguments submitted Their decisions shall be final and without recourse In the event of a tie identical prizes will be awarded to tying contestants All entries submitted become the property of The Procter k Gamble Co 6 Mail your entry to Camay Dept A P O Box 629 Cincinnati Ohio En- tries must be postmarked before midnight October IS 1934 Prise winners will be notified by mail as soon as possible after the contest doses Contest applies to United States only end is subject to all provisions of Federal State and Local Regulations LISTEN IN WEAR aad a “Dreuni Ceeee Tree” NBC Network Sadie Profnu Beer eeeeelloeel new einfer end Berry McKinley Bnre aewe about Uie centeet Erery Monday and Tbaraday ISO ana Wednaaday 4 E 8 T (bee acwrpef ere ter Urn ot breedreet la year dty n 2nd $1000 cash In $750 cash in $250 cash in PRIZE 3rd PRIZE 4th PRIZE §O SOO PRIZES PRIZES OR OR e i $10O $10 each each one payment one payment one payment cash In one payment cash in one payment “it Koopa My Skin So Smooth" Long before this contest was announced one girl wrote "My akin is ddicate and to keep I must use a soap it soft and of unusual mildness That’s why I prefer Camay to any other beauty soap It keeps uny skin so smooth and dear” This letter may git you a hint for your entry rv ti |