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Show THE PAYSON CHRONICLE, PAYSON, UTAH WESLEY JENSE Under the direction of their class leaders, Mrs. Alene Christensen and Mis, Jennie Elmir, the junior girls gave a social in the ward recreation ' hall Tuesday evening with their mothers as guV.s. A program, games and refreshments were enjoyed by I. if IrenJei 1 I jp ANN doing featured Miss Gwen Wnde ani Miss Caiol Huish gave a delightful Halloween jm ty Monday ecenmg at the home1 of M ss Mride. The gm ' were renu.r-cto enter the he me through a r.ia .0 and all sorts of g'lnns and pi an piovided entertainment. The e'ab-orat- e decorations an ref.eshme! Ronnir fiv more than sixty class members and guests. Halloween novelties were 1IUS n eming An. v ondittons require new methods of busmoss However It Is ther to responsibility letain those essential and sound .nautiul prlncl-les upon which his country was umded and has I'M an to be what s ill the richest 1 Candidate for Use Juniper Oil, Buchu Leaves, Etc. If you are bothered getting up nights, burning, leg pains, backache, make this 25c test. Flush out the excess acids and waste matter that cause irritation. Get juniper oil, buchu leaves, etc. in green tablets called BUKETS, the bladder laxative. After four days if not satisfied any druggist will return your 25c. City Drug Co. ex-tia- ct Any marketable pro-uc- e subscription to Chronicle. HENDERSON Why Doctors Favor Payson Hotel 144 Phone 63 a Liquid Laxative Utah Ave. gumatic Pain Stopped doctor will tell you that the careless use of strong laxative may do more harm than good. Harsh laxatives often drain the lystem, weaken the bowel muscles, and even affect the liver and kidneys. Fortunately, the public is fast returning to laxatives in liquid form. The dose of a liquid laxative can be mcasureJ. The action can thus be regulated to suit individual need. It forms no habit; you neednt take a double dose a day or two later. Dr. Caldwells Syrup Pepsin gently helps the average persons bowels while nature is restoring their regularity. Why not try it? Some pill or tablet may be more convenient to carry. But there is little "convenwhich is ience in any cathartic taken so Iiequentlv, vou must carry it with you, wherever you gol I is very taste tells you Dr Caldwells Scrap Pepsin is wholesome A dehghtful taste, ami icl.W,i''ul:M tn.n. Sde for evi'utaot mothers, aid children At all druggists, ie,nl I r use, in big bottles A Lemon Juice Recipe j doesn't relieve you, make you better and younger and happier, your Igist will refund your money Get a packMix it with et the REV PRESCRIPTION. art of water, add the juice of 4 lemons and a teb'espoonful two times a day. In 4S s, usuallv, the pain is gone, joints limber wonderful glorious relief is felt. Equally I fo: rheumatism, or neuritis pain. Costs a few cnts a day. For sale, recommended guaranteed by ail leading druggists. Any r.;ut w.ll get the REV PRESCRIPTION iu ask hun to do so. this. If it PROVO CITY Laundry Try Expert Launderers one of our many family services. Agency, Elite Cafe 12 Phone PERMANENT WAVES OF QUALITY Deseret Mortuary Co. Sympathy Experience to ensure that nothing is left undone to give s comforting Understanding Service Given By s s Phone 107 Walter Rigby, Local Mgr. A. de- - A Bladder Laxative Chiropractor l Halloween Decorations were suggestive of Halloween. Delicious rifieshments were served at two long tables each centered with a lovely biithday cake. Twenty-tw- o boys and girls were in at ( ndance. Political Advertisemen) DR. in KuB-el- l Republican Ticket him-I- f W'ealey Jense has proved to be a capable and efficient Deputy in the Auditor's Office of Ctah County. jlr Tuttle, County Auditor, contends hun very highly to the voters, as capable and efficient In He is loyal and honest jj.3 ffork of the office. Ilis to the duties work has been praised by Certified Accountants who have public checked the records of this office as among the finest to be found in any county in the state. His experience and training is an asset to the tax payers of Utah County. He can continue on with the duties of this office without delay and expanse of training. For experienced service to the public and an economical administration of this office, vote for Wesley Jense for County Auditor. on out Mrs. Manuel entertained aturday evening in honor of her twTo sons, Junior and Melvin, the occasion being their birthday anniversary. County Auditor CANTED carried 0. Smoot, District Manager Mrs. Robert Bills er Experienced Operator N Phone 10 u S h, u Just South of Taylor School to k All kinds of Beauty work done. iRMawn wmdirm LET US HANDLE YOUR REALESTATE PROBLEMS' PLENTY OF MONEY TO LOAN ON REALESTATE Our Company writes all LINES OF INSURANCE 78 No. University Ave. TELEPHONE 108 lH a i o n t In 'rid ore eveiv utidt it have from umlidence and o m m su nder , t the iy ot out dlf M lenities n la k s' mdi! g. Therefthe li'uker to bend tfmt to (k to a hotter public und banking and 'tilting it h dio. v. thereby bung a'1 nit tint united effoit and cooperative son' which will has ten the dav ot in'toi.al recovery and restore to the h n ker tile confidence or the public to Inch he Is entitled As an appr ii li to the realization of tins ideal, bankets should carefully scrutinize ever) application for a loan to see it It is bankable and. If it is not In bankable toini, then make further examination lo see if the loan can be made so, in order that the uses of credit may be stimulated. vv Explaining l.oan I actors to Customers We must not exp' ct our customeis to be bankers and understand all the factors which we must consider betore granting a loan If we hnd that a loan is not. and taunoi be made, bankable, then I think we should take pains to explain to the applicant the reasons why it cannot be granted. There ate other measures which I think it important for the banker to undertake in order to eliminate the misunderstandings which have arisen and overcome the sentiment which exists. Under present conditions we have to operate under many laws and regulations, and also watch what further legislation is being proposed which affects our methods of operation and may not be in the best interest of the communities we serve. Nowadays it seems at 'times we must sit with a law book in one band and a book of regulations in the other in order to make certain we are discharging our daily duties and functioning strictly in accordance with the law. All of this Is very trying, yet 1 think in the end we shall become better bankers. 1 believe it is the duty df ever banker today to endeavor to understand the public he serves. In addition to his daily duties, trying as they are, be should participate in the activities or his community, so that, with the fund of information available to him, he may be as helplul as possible in all public and civic matters COMPTROLLER COMMENDS INSTITUTE OF BANKING D. C. The AmeriWASHINGTON. can Institute of Ranking, said to be the most successful project of Its kind in the field of applied adult education, has performed a valuable function in training bank clerks for sound public service as well as personal success," J. F. T. O'Connor, Comptroller of the Currency of the United States, said here in a recent radio address. The institute is a section of the American Bankers Association. While imparting useful knowledge, it has Improved the morale of banking personnel and has stimulated iu Its members an intelligent interest In na tionai and International monetary problems," Mr. OConnor said. Its courses cover a wide field In banking. Among the subjects, one finds Bank Organization and Operation, Cummer cial Law, Negotiable Instruments Law and Economics, in the Division: followed by such subjects as Money and Banking, Credit Manage ment. Financial Statement Analjsis and Bank Management. In the Standard Division. "Each and every subjett is one wliith is necessary to a knowledge of banking However, the institute does not slop here, but encourages graduate stud) in Corporation Finance, Trust Service Farm Credit Administration aud B iM ness Forecasting. Again it emphas.zcs in special courses the importance of the less technical but highly beneficial study of Constructive Customer Rela tions. Banking Fundamentals and Bub4 lie Speaking. No comment j8 neccs.-aron these courses: their value Is at once apparent. y BOOKLET ON BORROWERS CAUTIOUS Writer email Bankers nit1 on itcognue that changing d Wv.e ices. Local Items FINDS BANKS WILLING, Local Items TO CHANGING NEEDS (Paid was bloated so with gas that his heart often missed beats after eating. Adlerika rid him of all gas, and now he eats apything and W. L. Atiams FARM CREDIT A booklet has been published Ly the Agricultural Commission, American Bankers Association, on "Factors Affecting Farm Credit." for tbe purpose of furthering on a national scale the taking of farm inventories and tbe making of credit statements as sponsored by the commission in cooperation i.h the state colleges of agriculture and the U. S. Depaitmeut of Agriculture. The goal la better relationships between farmers and their banks. Tbe booklet is devoted to tbe types of loans generally required by farmers, the need for farm credit, how it can be obtained, when it is safe to borrow, what principles to follow to establish credit In advance of needs, and how both the lender and borrower are m'tr ested in sound, productive farm credit Prominent Refute Statements Banker Are ReDefuting Sound Loans scribe Reasons for Reduced Volume of Credit. supplied by typical, well managed banks in different parts of the country show that a high propor ti in of all applications for loans have b . n granted in the past year or two mvs Albert W Atwood in a recent artl o'e in The Saturilmi livening Post on 'The Idle Dollar." Excerpts from Mr Atwood's article fellow: Tr 'qnently banks state that as high as in) p r ct nt of all such application me gi mted and foi from fit) to 75 pei cent of the amount asked Tor Allow in ; that the bankets make these ligurer as favorable to their own ease as pos s hie. It seems strange that we are told a aln and again that banks are not pit. CUES Mr. and Mrs. Robert Bills enter- feels fine. tained at a Halloween party Sunday evening for sixteen guests. Dinner FEEL vva served at one long table gay leading social event of the week was a party Monday evening given by the faculty members of the Junior high school at the home of principal Blaine Winters on Utah Avenue. The affair was given in honor of Mr. and Mrs. Doyle Liddle and Mr. Mts. Hebert Hauer who were during the summer vacation. Mr. Liddle and Mrs. Bauer, formerly were Edith Bartholomew faculty members. The guests numbered thirty six and all came dressed in old cloths. lending at all. If we take Into account the whole Halloween games and pranks were class of regular bank borrowers, the played in the upstair amusement plain fact Is very few want to borrow room and many unique features were et For the word 'I orrow' is merely an other name for the word 'debt,' and we face a great world wide drive to get out of debt. "An experienced small-citbanker, asked if banks were lending freely enough, wisely replied: 'The really good borrower does not wish to borrow now. In fact, 1 think our customers are making a remarkably fine showing in paying off tbeir loans, especially loans of long standing. The Shrinkage of Credit Or if we think of business concerns rather than of Individuals, it Is con servative to say that those able to main tain high credit ratings have been most- ly tbe ones able to maintain ample cash resources and, therefore, least ! need of credit. As prices and costs fell, many concerns found themselves with plenty of cash because of tbe shrinkage in operations. Cash resources were still further swollen by reduced dividends, and smaller Inventories made bank bor rowing still less necessary. Expressed in another way, banks cannot expand credit, they cannot make loans, unless there is a demand for tbe same. Fundamentally, the business transaction makes tbe loan, tbe loan does not make tbe transaction.' It is a mistake to try to force upon business organizations funds which they do not need. Under the circumstances the idle dollar is a natural and proper enough phenomenon. A demand tor credit is difficult to create artificially, and there Is always danger in so doing Banks must be liquid enough at all times to pay depositors. The idea of a commercial loan Is that It represents a self qu!dating process in business, if tbe banker makes only those advances that are Inherently sound, and selects bis maturities wisely, he will have in coming funds to meet demands. Government Lending "As everbody knows, the Government has vast lending agencies, tor home owners, farmers, and the like These have nothing to do with tbe subject of this article, except that all such Government operations would be impossible if tbe banks did not lend the Government money for the purpose No one can set a time when borrow lng will be resumed. But it will come when men once more feel that condi tions are sufficiently settled to warrant them in taking chances, in entering upon deals, and in trying to make money. Mr. Atwood says that It may be that the banks axe overcautious now. Just as they were overconfident In 1929. but calls attention to the fact that until a little more than a year ago banks were falling partly because they bad loaned too freely, and were being criticized right and left for precisely that fault. He adds: Indeed the banks which had 1 HOW ONE FARMER HELPED HIMSELF A farmer accustomed to keeping records found that it cost J16.60 to produce an acre of corn. His average yield was 33 bushels, selling for 60 cents per bushel. On this basis be was producing without either profit or loss. A study of his costs indicated means by which the yields might be Increased without proportional expenses. By makExing use of tacts discovered at the secured the farmer periment Stations, f an Increased yield of four and Instead bushels, acre bushels per of 33 j. By increasing the yield and holding down expenses, this farmer was able to make s profit of bIx cents per bushel. Get Rid of ACHY-A- LL Poisons That Make You 111 a constant backache keeping Do you Buffet miserable? burning, scanty or too frequent urination; attacks of dizziness, rheumatic pains, swollen feet and ankles? Do you feel tired, nervous all unstrung? Then give some thought to your Be sure they function kidneys. properly, for functional kidney disorder permits poisons to stay in the blood and upset the whole system. Use Doans PiUs. Doans are for the kidneys only. They help theg of kidneys cleanse the blood poisonous waste. Doan's PiUs are used and recommended the world over. Get theta from any IS health-destroyin- druggist. D0A5TS PILLS ntroduced. L Now is the Time TO BUILD A HOME! 2 of the Federal Housing Act it will eoon be possible to borrow up to 80 of the value of the property at a low rate of interest with time of payment running up to twenty years. Under Title No such opportunity for home building has ever before been offered to the people of our country. Prices of Material and labor are reasonable Let us tell you more about it or Come in PHONE 127 ChaselLwmbeir & Coal0Cowijpainy zSZ Why Not A FULL TIME ? Congressman Robinson Crltlclied Criticism was also directed at J W Robinson by many of the party workers because he rahed trom the capital as soon as congrets adjourned lo giab up several lucra-m- e retainer fees tor closed banks in ihe county The resentment is said to be especially strong among the attor-- I nets, many ot whom are finding the I pickings decidedly lean in the legal g business from the mm Serf. 3. 19D 1 novo I I been cautious in their lending policy came through the crisis safely. Under such conditions It is utterly useless to crltl elze banks for not making loans. After the experience they had for several years, especially In 1932 and 1933, It is only natural that they should relax their requirements very slowly and gradually. Unfortunately, many of the applica tions for loans are not people who want temporary banking accommuda tlon for three or six months aud are quite able to meet their maturity dates, but are from those who really need per manent capital. They are busted and they want someone to stake them to a new starL What they really seek is a partner to furnish them with long mt capital. But depositors Insist upon being paid on demand, and, therefore. It Is a grave question whether banks should tie up their funds for any length of time. one-hal- and wed 7!8I WORM OUT? with Halloween decorations after which Progressive Rook was played. A City Drug Company. In September, 1933, and again in June, 1934, Congressman J. Will Robinson t from the I AMERICAN FORK CITIZEN June 29, IW In the list of items' sub- -I mitted by the State Banking De- partment for tije approval of lh r District CLurt waa a retaining fee of $300 for Uie attorneys. Delbert ft., Draper and J. W. Robinson. The committee objected to this item, inasmuch as Mr. Diaper was at that or retained and time employed draw mg money fiom the State Bar.k.ng Department, and Mr on account of his official dunes, was nut accessible for Rob-mse- n, was roundly criti- scr-w- cized tor neglecting his official duties to appropriate to him- lucrative jobs self handed out by the Uiah State Banking Department. As a I posi tors Committee, we objected to Mr Robinsons appoint-i.v.r- t, asking that some one mere and more friendly to the interests of the depositors be named When quetK,rcd on these matters, C mmissioner Malia. stated that he did not know why this retaining fee should be required, and as for Mr Robinson's appointment, he did not want to hurt Mr Robinson's feelings Lv leavirtt him out. si H OW can a man do this and still look after the interests of his people in Congress? Utah is a large state, with only two congressmen. If your representative is not on the job ALL the time, your rights and interests are neglected. Elect a man who WILL devote his entire time to representing you in Congress, and who knows how to do your work efficiently and promptly. Vote for Frederick C. Loofbourow For Congress 2nd District (P.tld political mlv. bv n S Woolley, 1397 So Salt Lake City) 16th Eaat, |