0—0—0 — 0 — 0 — 0 ~ 0 — 0 — 0
* Barton Green Says *
a — o — o — o — o—o — o o—o
Answering the question of 3. M. P.
Por reasons that are obvious It would
BOt do to mention the classes of In
vestment you ask about, but the ans
wer is understandable nevertheless.
Aside from careful consideration of
each Investment dlvetttty of risk Is
probably the greatest factor of safety
to the investor or policy holder. Diver
sity means more than Just number
and more than Just law of averages.
The Urst spread obtained by the pol
icy holder Is the distribution of in
vestment over the different economic
enterprises of the county. Of 20 bu
ttons of life Insurance we find two
billions in first farm mortgages, two
Milton In governmental loans, six bil
lion in home and city property mort
gages, three billion railway mortgages,
two billion public utility mortgages,
one million industrial plant mortgages,
one billion cash and real estate, and
three bUlion policy loans
There la no use of listing territorial
dtotributlon here, but these investments
cover from coast to coast so that any
local disturbances affects them but
Hlightly.
The diversification by sheer number
should be taken into consideration
here when insurance Is compared with |
the Investment of the average investor.;
My own insurance is with the compar,-'
lee that have over one hundred thou
sand different investments. If the cash
value of my insurance Ten Thousand
Dollars I have an average of Ten Cents
invested In each of these hundred
thousand Investments. To diversify my
own investment would be impossible or
at least very expensive, but the life
Insurance companies do it for me at
a very low cost.
The law of averages as applied to
maturities cannot be taken advantage
of without sums of money so It is
practically barred to the individual.
The perfect banking system would be
lor the maturing loans exactly equal
to new loans for the day. In normal
times this condition almost exists in
many banks but in bad times the pres
sure for new loans Increases and the
payments on old loans fail to come in.
With the life insurance companies a
very small percent of the bonds are
defaulted and by comparison but few
of the farm mortgages. One group of
companies, both medium size and large,
received from maturities 256 millions,
this during 1931, which was probably
the most serious year that any of us
will ever see
Then there is the average as applied
U> the tint# of purchase. Life Insurance
companies are always buying and of
eourse buy at market. Tit# financial
showing cannot be measured by the
rise or decline of a single year, for in
stance, many companies hold bonds
bought during 1893-1894, more bought
during 1920, in fact bonds did not get
back to normal after 1920 until 1926.
They buy every year, in fact, every day
and the bad effects of a short period
of any few years is greatly limited.
For these five reasons. Averages ap
plied to time of purchase, Averages ap
plied to maturities, Diversification by
sheer number. Geographical distribu
tion, and Distribution in different en
terprises, Life Insurance os an invest
ment is far safer and makes a certain
return while the class of investment
asked about is practically limited to
one type of investment with a slightly
bigger return in good times and the
possibility of total loss at the time
when the return is most needed.
Any questions sent Mr. Seely or my
self at 736 Stuart Bldg. Lincoln, will
be gladly answered.
Sidelights
By Marcy B. Darnall
The year 1932 was pretty tough lor
most of us, especially lor Gilbert Col
son of Chicago If he happens to be
among the unemployed. His wife pre
sented him with twins twice during the
yen.', one pair being bom in January
and the other In December.
Glen Parks of Seattle Iras brought
suit to have the marriage of ILs son,
Karl, annulled, on the ground that the
bride hypnotised Earl into matrimony
But Mr. Pariis should know that tins
is only an old temtmne custom, sanc
tioned by precedent from time imme
morial.
Broadcasting stations have some odd
requests from listeners, of which the
following is a sample: “Please broadens*
over WJZ that I have lor sale a tea
set used by George Washington. 1
stole it from my wife and now mus>
sell It to pay alimony."
A recent New York Here Id Tiibunc
headline reads: "Speech Defects Kari
In Girls. Expert Reports,*’ it must havr
taken a lot ol research to lind that
out. How in the world could we get
along without those clever experts?
A sage observation by the Jackson
South Alabamian: "The (chows who
an* always telling what a vigorous, vir
ile stand they would take if they were
rt ruling a paper, when they do write
ecmeilung for publication touching on
public matters, send it In anouymoun
ty •
(Speaking of criminals, Miss Anna
K ifH .d k of Chicago outw tiled two of
them the oUter night. That la, for a
n mute or two When they held up
Arne and Her escort sitting In a park
ad car, she quickly Miked her die
r ed ring under the seat cushion
Tien the bandits put llkf and her boy
frirnds out and drove off with the oar
- and the ring
Now come* a letter written to assert
y.*t It wu/, Mark Twain and not Vice
Pr^ldent Marshall, who first said
"What the country needs to a good
k-eenl ciga- ' A few days alter making
the remark, according to the writer,
Mark mid his suggestion was already
bearing fruit, because he had bought
i a 5-eent cigar which seemed to have
I some real tobacco In It.
In a ballot to pick the world's great
est man. school pupils of Berkeley.,
i Calif., gave an equal number of votes
; to Alexander the Great and August
Volhner And If you don't know. Mr
Vollmer U the able chief of police of
Berkeley.
If anyone wants to know. It Is 137
feet, 3 and 3-8 Inches from home plate
to second base, and the amc distance
from first to third. It Is BO feet between
bases, and 00 feet 0 inches from the
pitchers plate to home plate. A fast
pitched ball travels from the pitcher's
hand to the home plate In about 3-5
of a second, and it taken an average
runner about four seconds to cover the
90 feet between bases
Wealth But No Money
In a world full of wealth we have no
money. That, It seems to us, sums up
the present economic situation of the
United States and most of the rest of
the nations, so far as we know anything
about them.
It doesn't take much actual money
to transact the world's business when
people are more anxlouB to buy than
they are to selL Money moves faster,
and so does more work under those
conditions. A dollar that changes
hands ten times In a year, Is as useful
as ten dollars that only changes hands
once.
We didn't need so much money when
everybody had confidence In the banks.
Checks did the work of currency. In
these times, with money moving slow
ly, with more sellers than there are
buyers, with thousands of banks clos
ed and public confidence in all banks
still severely shaken, we find ourselves
without enough currency to do busi
ness. The natural result Is that our
basic money, gold, has gone up so high
In price that most people have diffi
culty in converting their labor and
commodities into gold. Oold is the
basis of our money and that of the oth
er principal nations. And It Is increas
ingly clear that there Is not enough
gold In the world to meet the world's
need of money.
Many able economists and statesmen
say that a large part of the money
trouble Is due to the fact that silver
lias been almost abolished as money
since the war. They say that If the
monetary position of silver, wliich Is
the money basis for more than half of
the world’s population, could be re
stored to what It was In 1014, there
would be plenty of good money for all
the world's needs. Few want to revive
the old scheme of the free and unlim
ited coinage of silver at any fixed ra
tion to gold, but we see no reason why
silver should not be used again as
freely as it was In the years before the
war, by all the nations of the world for
We think the world economic confer
ence, which is going to meet and dls
euss this subject, lias been too long de
layed. and hope that when It Is held,
the American delegates will Insist upon
the rehabilitation of silver.
-o
Outlook (or 1933
There Is something about the begin
ning of a new year which tends to re
vive waning hopes. Both literally and
flgureatively we close our books on ttye
aat day of the old year, take account
if stock and make our plans for the
oming twelve months. There was more
reason for hailing the new year In the
ild days when the calendar began with
lie vernal equinox. In late March, and
the festival of the year's end was cer
tain to be followed speedily by the re
vival of vegetation and the beginning
afresh of the annual agricultural cy
cle. A great deal of the sentimental
importance which we attach to New
Year's Day Is a survival from the pas
toral clvUation of the past.
We are no better able than anyone
‘Iso to predict what, will happen ui
1933. "Who know* th what a da ", may
bring forth?’’ We are certain only of
one thing: that U that the Nev. Year
will be different from the old one, And
we hope it will be a better year
We have, at least, put behind us some
if the things which made 1931 the
lardeat year in recent American hts
ory, tor some folks, and we arc closer
o some of the things which promise
letter for the future. The election la
•ver. for one thing: the Eu ope an
febt situation is at least begin! ng to
jc clarified. Wo :cero to have about
reached the end of the procession or
■link failures. Farm products touched
. v all-time low prices In 103!, and
we cannot Imagine that they will not
iwrui higher In 1933.
H wins to us that the coming year
Mil necesraiilj be one of thorough re- ]
idjustmrnt, not alone In matters ot'
corn y, but in peoples mental outlook i
It may have been necessary for us to |
;o through three terrible years of de
arsskm to purge our minds of the ,'al
acloue notion tnat the road to uni
■"•real prosperity and Individual wealth
is an easy one If It turns out by the
nd of 1933 that everybody lias learned
ih'it hr U entitled only to what ho can
ret by working for U. and to be con
tent with that, the New Tear Just be
ginning will be the greatest suoeeee
ver teached on the ralendar
-
Whit’s Whatizzit
hwtni Pawelea
A Polled up bit of clay, about the
' toae of day. bid* you to go atrtray, for
jetUng pledgee made. I how eyebrow*
pturkeri )turt right that Ain *o eehool* {
•irl white, make* *uth a lovely atghl. |
■to wonder you ba.d trtrayed Bo*, wife
•til never dream that you have fallen !
3 hard, the’a nevt t aatu love* t, login
uluc* she moved into your yard; she
think's you're hard as stone, she’ll oft
en sigh and moan, when you leave her
alone, to seek a younger pard.
Ten years have rolled arour<d, your
skin Is turning brrwn, your Up la
drooping down, your hair is turning
gray; you stroll around a bit, but fail
to make a hit, they all give you the
mitt, and none wUl go your way How
often now you wish that you trad not
been a fish, your own selected dishj
lias lost It’s savory taste; your dreams
are nightmares now, you lost your
faithful frau, your sun Is set—and
how, your life Is but a waste.
Your neighbor happy Is he tended to
his biz, he stayed with his own Liz,
by his own cheery blaze; he sought
not pastures new, to his own wife was
true, he bid her not adieu for any
passing craze. He's thankful now you
see that he went not on a spree, he
lives In honest glee, Instead of just
make believe; his home more precious
{rows, much smaller arc his woes, bo
cause he turned his toes, from paths
that seek to deceive.
-a-..
Sunday School Lesson
By Charles E. Dunn
Jesus at Work
Lesson for January 15. Mark 1:21-14.
Golden Text: John 5-11.
The verses chosen for our lesson give
a swift moving picture, from the graph
ic pen of Mark, of a busy Habbath In
the life of Jeuus. The Impression Is one
of concentrated power without haste,
without rest. Murk to ut his best in the
icrvous rapidity of the narrative.
At the beginning we are told tliat the
Master went to the synagogue. Such
attendance was habitual < Bee Luke
4:10.) Now then? arc many people in
our day who rather pride themselves
on the fact that they no longer attend
church. They feel emancipated Such
folk get no comfort from the example
of Jesus, lor He went regularly to the
house of prayer, even though He must
Iuive been greatly bored at times, by
the sermons He heard
Modem life needs badly the relaxa
tion of spirit true worship offords. The
tempo, the strain, the social pressure
of our time, are so fierce, that we eas
ily succumb to nervous prostration, or
nervous prosperity," as Dr. Orenfell
calls it.
But the Master not only entered the
synagogue. He took an active part In
the worship, charming those present by
the beauty of his words. Then Jesus
healed an afflicted man, one nervous
ly unstrung. While few have similar
cleansing power, all of us can, as Car
dinal Newman bids us, be "merciful
towards the absurd."
Next the Master went in to the home
of Peter. There He continued his min
istry of healing, curing the apostle's
mother-in-law of a fever,
Finally In the evening, a breat crowd
lathered at the door and he was able
to comfort and restore many of the
sick. What an Ideal finish to a victor
ious dayt How beautifully worship and
service are blended! Here we see the
Great Teacher and Physician with all
energies released, giving himself to
the full!
-0
Special Holy Year
An anniversary, which perhaps few
thought about until the Pope called
attention to it recently to at hand, it
being 1900 years since the death of
Christ, according to popular belief. As
all scholars are aware, the exact date
of the Master's death to not known,
ueither to that of his birth.
In proclaiming ,i special holy year
for observance by Catholics from Pas
sion Sunday, April 2. 1933, until April
2, 1934, the Pope said: "We, are not
sure whether the anniversary should
fail In 1933 or 1934. The year 1933 to
generally nsooclated In the minds of
sJrapie citizens with 33 A. D„ whan
Christ to believed to have died."
It to quite universally agreed by
scholars, within the church and with
out. that our present calendar to in
error with respect to the beginning of
the Christian era. Most authorities be
lieve from exhaustive historical re
searches made concerning the matter
that Christ was born three or more
years earlier than our calendar Indi
cates.
The period of his active ministry
to also uncertain, but to thought to
have been about three years, endin'!
with hto crucifixion at the approxi
mate age of 33, The Gospels give little
definite Information with respect to
any of these dates, and secular history
to almost silent regarding the life of
Chnai
In any event the special holy year
will be observed as stated. The Pop1
said In hts proclamation: "If the men
oi 3033 find more certain cahiculatlons
for fixing the exact date they will
know how to do their duty as we do
ours now '*
Friendly Advertising
Illtnlraung the preaent trend o,r good
will advrrtUIng. a plan adopted by a
railroad In the South U tntereeUng
Hrroaii aing the Important luncuon
ol the total Hatton again. thru whom
moat patron* of lire road hava than
mill com art wUli the management
and IU policies, tile new advert!**
men! wrrka to bring tha agent In cloaar
touch with hi* community,
Thto U done in a quarter-page apace
In the local paper, with a luctuie of
Utr agent and a little nketeh ol hU
ncnrlrea with the road, accompanied by
reading matter explaining ho* lie pia>
be of greater tervlee to advising thr
public concerning their traveling and
•hipping protoh nu
ThU t* in line with the policy uf
many retail •torea, which imiuiie pic*
rfuxttoAMtes ftoch-n-PuSI
MUM BUOY W£*T WfciK&CVJ
WIHY LETS TAKE 1UE 01 SUB
WACllJE ftO-XET To THE PocY
BfcSlAU ISLAUDS A LtAftN
jOMETHlUG OF THE PEAftt-DNEB
^ ir-^
/ OoOGUi
“ Tut MMWMt
OM ’>• *V«
Polynesians learn very early in voutm
the art oediving.Formerly datives
SWAM TO THE BOTTOM Bor THAT USED
UP CONSIDERABLE STRENGTH.NOW HE
GOES QUICKLY TO THE BOTTOM WITH A
WEIGHT AS THE NATIVE CEVLOuPIARUR 0dE5
TT1 T»m I11 t "WT* " w* wxw
UaviuG REACHED THE Sont'M A<SAfHEfiEK
CQAU/LS ABOUT PLACING I HE SHE US HE GATHERS
WTO A BASNET-BAG WHICH WHEU FILLED IS
DDAWU UP BY HIS ASSISTANTS WHILE Hfi
SPBIUGS ToTWt jUQTACA HAVING UStB
UP THE STORAGE Of-AIR IN HIS LUNGS.
Ow OOft. LAST TRIP WE LEARNED SOME
SHELLS ARE GATHERED Rift THEIR MOTHER
OF PEAftL.THESE DIVERS ARE PAID SOMUCH
A TOW Foft THE SHELL THEV BRIWG UP. SKIU
DIVERS HAVE TO WATCH OUT FOR SHARKS,
OCTOPUS, BARRACUDA,AND ALSO THE
GIANT CLAMS WEIGHING OVER A TON.
PlVEftS USIKG THESUIT MUST &EWACEOF
CAVMMC, THE Alft-LIWE AUDCi6mW6 IT
EuTAN&LED IMCOBAl.
(TUAUKSTOQ. THESE PtARi
(VU1DIEP KNIVES CAPTAIN,
AND HOPE UJt'U-SooN &E
[rOAVElUW6 A6Alk> WITH YOU.
lures of their leading salespeople in
their advertising from time to time.
There Is something about this kind of
advertising which compels attention,
for nothing in the world is more Inter
esting than people, particularly local
people.
Intimate, friendly advertising is to
a great extent taking the place of the
bombastic, exaggerated style so preva
lent a few years ago. The new method
Is more pleasing and interesting—
hence more profitable to the advertis
er.
Does It Pay to Feed Tankage t<> Hogs?
You may have figured out that it
doesn't pay to feed hogs, but if you
have them, the” is certainly pays to
feed tankage to them.
These trials were run at the Nebras
ka University from September 16th to
December 10th, with ten pi,;s per lot,,
averaging 77 pounds per pig at the
start.
Lot 2 gained about one-half what
Lot 1 or 3 did and consumed more than
twice as much corn. They rooted the
field to pieces and seemed to be very
restless. To prove that they were as
good pigs as those in the other lots,
all lots were turned on self feeders of
com and tankage at the end of the
period and they all gained two pounds
per day per head or more. Lot 2 gain
ed as much as the others and con
sumed over two pounds of tankage per
head per day for a time, showing that
they needed tankage badly. Even at
present prices 400 pound? of com
would buy about 100 pounds of t xnkage.
and lot 1 only ate 20 pounds and Lot
3, 49 pounds.
4-If flub Boy Grows IM Bushels
Corn per Acre
Warren Eager of Avoca. 4-H com I
club member and also leader, won!
fourth place In the state Junior com
yield contest.
Warren received two bushels of
Krugs Yellow Dent from the agent
who placed 15 bushels of this com with
l;li dub members, and planted It be
side some corn they purchased which
was supposed to be Krugs. Warren's
field yields 96 bushels per acre aftei
It had been dried out, while the field
weights on the adjoining field weri*
about SO bushels.
Krugs corn In all the stale experi
mental plots proves to be 4 und *■
bushels better than the outstanding
common varieties now grown.
Ke-elected President
Mrs. Howard F. Capwell of Elmwood
who very efficiently served as presi
dent of the Home Economics flection
of Organized Agriculture last year, was
re-elected to the office last week.
Mrs, Capwell was also elected a mem -
ber of the state farm bureau federa
tion board, at their meetings held la
connection with Organized Agriculture
Cass county is now affiliated with tin
state federation and pleased to havi
a representative on the executive
board.
-o
Tile Woodruff, Kans., orchestra, un
der the direction of Zina Hharpnack
will broadcast from Clay Center
KMMJ, Sunday afternoon at 2 o'clock
New Chevrolets Add Over 85,000
People to' Payrolls of Nation
rOf*t New 1«3J Chevrolet nialiirr rllmhlni hill at Iseneral
Motors Proving Cirouiul.
I.l-1' ft New Cither **NodJraftM Ventilation tystem Illustrating
how each Bgssenger may have individually.controlled vwuila*
don inti in. I of firing subjected to a sneer of air through the car,
with resultant discomfort and danger to nralth.
Hit Ill'll New rear-end of all closed models screening all utv
sightly node r|<arts of the car.
Chevrolet » public ahowlna uf lie
new lv.1.1 lute ineane a material
•purl In nalloiml employment amt
muter lair eimeumptitin, ■lure thle
aumiieny le lhelurueat inanutui lurer
U< the lai,>te( liidoaliy In the world
Mur* limit HA mm iceofda are l .wk
M work. DU.UU4I In I ha • •ompany'e
Iwenly kiaiwm lac I or lea, IIIIHHI
mule In kteker body plant* w.uHlne
ea.-lualvaly on Chevrolet I label
lautiee. ami nioro than It.WMI In
deal-r*hl|.« Ihrouehuul the nation
Ae many more ale Indirectly bene
died hy the eniumnt -nunil. Ihnmeh
aiahlue their llvellboMcl hy bulletin*
parte lor the car whi-h Chevrolet
liar# Horn indeia intent •uptMlera
# Chevrolet a ttM» Volume total*
neatly ton mm c are and true he with
a retail value in .|ieaa cif I.mi noil .
mm '| hi* le aalcl In lie on« ill III*
yiealeat conlrthiitlona made br any
ooinpany thle year to the MvMHilt
Welflue nt Amentia
* o "i if on »t It id ay at
htl dmc ra la a i arlelr in modcla
featuring longer wheeltmae, new
h'laber "No-Drift" Ventilation ami
many olher fauturea whluh the ouui
l’any hna itvalgued tu retain for It
llta leailer*hl|> In the liuinatiy It haa
fur tour year* uut of tli»
Haul an.
Other feature* In.’lu.tp.t In til*
new due are mura tuiwar ami a|ie*«l
In IhoenglMe.wliiall la newly euahl.ni
niounlr.t; tn.|>iuvr.l free whetting.
|>lu* Hyiivro Meah trattaiiilaatou with
Mllaut Me. ..ml gear, a new "MtarUi
alM" that gfaaUv almi.ltflfw aiart
Ing . auoh aafaly element* a* ahnlter
|>l«iuf glean la tha wimlahlaltl, larger
anti lower Inelle* by hi*her, In the
new “Aer -Nlream'* m.nlej threw
fewer ooritrulg, with realty autumalie
fealura* in auma of U.wa rwtalue.t,
> lam. Help, tor 11 >i
hiahret |i.te*ilila i.|h-i el tug eltt. itn.y
from all gratlea of gaeollne, heal.lr* a
UMfurtn guaeilne i.wt liar mile, tleali
lltaiiuineola of thiilMM ty|e., tor
Inalant, nn*V Ire.ling; tmaitlfe
l*r when, a ml attll eegter atewrlny *
With >tli them*. unit tunny mum.
thn tirlon tonice omillnUM tu Im
inliullut uf thn buyer a lHxihatbiMik.
It Ima tmnu fuittul |>u*all4u tu «t(ul|>
the new Chevrolet* wlhh tunny Rt
luenta th»t utwij tu W iiuiftneil to
wrlllt.* uteevnrn. Iituea Ohov
rulnt'a boat |irl«u.
tllmin Ui'tultur Rnl, truiuaat
fntotvr *tn|4nm*n hn»« turn inlay
bank tu Winn In Ohetrriilvt'* wnlely
itiniriiiuteit mnntifni'lutinti nmt
lianeiuUly lllnnta, with •rlmiliin nil lit *
Moon tu the K. nmel imn limuit*
newer, tmule iw*»U4n by uiurw wen*
mutter In ulfitiUtlen. ‘fktauiliaut
Ni'Vi iiilx l. the lltt reelHi In Mtt<
|4uyn«*nt rniitlauatl tu a monotint
IMMth tu th* mtitltl* Uf (tin f lu lint ,
when 1'ini iiiixi tl u(M>rnltun* UMb
•tint tu ft mu nt iienler nloekltm
wnr» In lull e*In* Mm* thnn
twenty mtlliuii it illnrt wuttn of thu
new mn we*e In Ipuler*' humia
• lien Mitt naUunel intiwtneUuu
•on UmOo,