1

"I Will Put My Insurance in Trust” WHEN

WHEN a certain business man died, about two years ago, his wife received a considerable sum of insurance money. Knowing little about investments, she consulted her brother. He recommended that she purchase stock in the company of which he was president.

Last year the business went into the hands of a receiver. The widow's income has ceased, and her principal is practically lost.

Such cases as this point the moral that it is often as essential to provide for the future protection of insurance money as it is to pay the premiums.

One of the many important services rendered by trust companies is the care of life insurance. Trust companies are today the trustees for many millions of dollars of insurance money.

Your insurance can be made payable to a trust company as trustee. The company will invest and distribute it according to such instructions as you leave, by which you can provide for many possible contingencies.

The trust company will protect your insurance fund by all the safeguards with which it surrounds the adminis¿tration of estates and trusts.

GERMAN MARK? (Continued)

for is that the German Government will be able to find some means of stabilizing its currency so that a measure of price stability can be attained. Here again this will probably be brought about by a partial or total repudiation of the paper mark. In any event, no improvement can be brought about until the German Government calls a halt on the printing-presses and in good faith makes the attempt to re-establish its monetary system on some basis of real value.

We can learn much from history, and history teaches us that a fiat currency has always invited disaster.

THE SUBSTANCE AND THE SHADOW

TH

BY NOEL SARGENT

HE author has recently made some interesting investigations into what might well be termed the "practical" side of the open and closed shop controversy. Fifteen cities in which building is at least seventy-five per cent on an openshop basis were compared with the same number of cities where at least threefourths of the construction in 1921 was performed under closed-shop conditions. The former group included Minneapolis, St. Paul, Detroit, Atlanta, Milwaukee, Richmond, San Antonio, Grand Rapids, Seattle, Duluth, Salt Lake City, Spokane, Akron.

The closed shop cities listed were: Cleveland, Indianapolis, Newark, Kansas City, Missouri, Chicago, Cincinnati, Dayton, Pittsburgh (including McKeesport), Syracuse, Louisville, New Orleans, Providence, St. Louis, Scranton, Butte..

Lest it may be alleged that the cities were "hand picked," we must note that twenty-five of the thirty (a majority in each group) are among the fifty largest cities of the country, and that twentyone, or seven out of each ten, are among the forty largest, according to the 1920 Census figures.

The "American Contractor" in a recent issue presents statistics as to building wages prevailing in different cities December 31, 1921. Figures were presented for nine of the open-shop cities and eight of the closed-shop cities. For purposes of comparison, the author has selected six Occupations-carpenters, hod-carriers, plasterers, painters, bricklayers, and plumbers. The average hourly wages were as follows (in two of the cities, both upon an eight-hour basis, the "day" rate instead of the "hour" rate was given in the "American Contractor"):

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THE SUBSTANCE AND THE SHADOW

(Continued)

popular cartoonist, "it doesn't mean anything."

The average per capita building permits for the year 1921 in the fifteen cities of the closed-shop group was $41; in the open-shop cities the average was $64. In other words, 56 per cent. more building existed in towns where construction was upon an open-shop basis.

Which is best-to have 16 per cent higher wages-"on paper" or to have 56 per cent more building in actual practice?

Let us take 100 building workers in an average city in each group. In the closed-shop town they work 100 hours for $1.16 an hour-a total of $116 received by the group. During the same period the workers in the open-shop city, receiving only $1 per hour, can work 156 hours, receiving $156. Thus the total wage of the group of workers in the open-shop town is 34 per cent greater than the group wage in the closed-shop town. To which group would you prefer to belong if you were a worker?

THE AMERICAN MECCA

BY ELIZABETH CANEY PARKER

E had to go to Oyster Bay. It was really most inconvenient and up

WD set our plans substantially, for we are Navy people and were hurrying from

one billet to another, and there was scant time or money for side-trips. But, as I said before, we simply had to go. Embarrassedly ashamed of my sentiment, I suggested the trip to my husband. Equally embarrassed, he admitted. that he had thought we must make the pilgrimage.

So a hot Sunday afternoon found us tracing and retracing our way around

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cars were turning and backing at every crossroad and lane, as there were no signs to guide us. But our general drift was the same, and we came finally to a shady three-corners, where dozens of cars were parked, incongruously enough, in that quiet country spot. Limousines with correct chauffeurs glided into place, middle-class cars exuded large family

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and starting noisily, filled every space. The confusion irritated me, but I

Just across the road at a little gate a procession was forming. Quite involuntarily, each man's hat came off and every woman stopped talking or clutched her child firmly by the hand and said, "Sh!" There were no guards, no signs, nothing to enjoin silence. But we were approaching Mecca, and we knew!

We went up the little winding path in complete quiet-old and young, rich and poor, black and white and yellow, infirm and hearty, soldiers and sailors, ministers and Broadway tawdries. One stately and expensive dowager kept pace with the very dirtiest little gamin. Neither was abashed, for neither saw

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THE AMERICAN MECCA
(Continued)

the other or, if so, it was through Roosevelt's eyes. How I hated it at first, that shuffling, heterogeneous crowd where I had expected peace and no other people! Only for a minute; then I gloried in the fact that only at a Roosevelt's grave could such a thing be-all humanity paying its homage-and that I was a part of the throng.

Roosevelt's grave a plain slab with simple name and dates of birth and death, and under his name that of his wife, the eagle's mate, with date of birth. A high iron fence surrounds the grave, on which were stately wreaths placed there by the rich and great of the world. And through the fence had been thrust every variety of growing things from orchids to little flowers and bits of shrub picked by the roadside.

We walked slowly around the inclosure and there was no sound. Then a woman sniffed, a man cleared his throat, and presently each one contributed a gulp, a sob, or a frantic blowing of nose. Real grief, real sorrow, for a man most of us had never seen was in every heart. Each person stood beside the grave of his own dead. But for all the sorrow there came a feeling of renewed strength and vigor. It really seemed that even after death that tremendous personality gave us a power as Mother Earth did to Antæus.

Then down the slope we made our way and heard such bits as these. An Italian said to his boy, "Verra brav' man, verra brav'." An old Irishwoman

to a young girl, "He'd a-sittled our

A

throubles fer us, wan way or anather.' A Frenchman to his friend, "A personality of a greatness indescribable." plain American to his boy, "He loved kids and he loved animals, son, and he always played the game." A sailor to another, "Gee, I felt a lot surer of what I was working for when he was alive." One man answered his wife's question with: "Darned if I know what his religion was. Whatever it was, it took in

Adv. No. 1

WITH FACTS BEFORE YOU, it is a question of conscience-of patriotism-of the honor of Uncle Sam-of justice for ALL who toil with hand or brain.

There are not "two sides" to such questions. That is why we meet no opposition but "silence"side-stepping-camouflage. The book more than confirms every claim of the advertisements.

Incidentally, it is a question of dollars in your pocket-many of them-reduced taxes, better business, because of general prosperity.

Thrift and Prosperity

The Gist of It All

The nation has had a Postal Savings Bank since January, 1911.

Every other savings bank in the world makes at least the pretense of serving the interest of depositors, getting for them the largest possible returns consistent with safety and availability.

The Postal Savings Bank has been shackled by the opposite rule, attempting to get from depositors as much money as possible for the least possible interest, paying them only 2 per cent per annum, on money left in the bank at least one year. In practice this return is less than 11⁄2 per cent. Furthermore, the law permits the funds now in the Postal Savings Bank to be loaned to commercial banks at 24 per cent, the banks loaning it to the Government, and to the people, at anywhere from two to four and five times that rate, and yet at no time has the market price for money on the solidest security been less than 3% to 4 per cent, and today, as everyone knows, is 6% to 8 and 9 per cent. It is now proposed:

First-The Postal Savings Bank shall be open and accessible to all without limit as to amounts that may be deposited, and interest thereon paid for any period of time, as is customary with commercial banks.

Second-These deposits shall be loaned at the market price for money on security that is good beyond question. This should make, in these times, the net income for deposits at least 6 per

cent, gradually diminishing to 5 or less as worldprosperity returns.

Third-Four per cent semi-annual compound interest will go directly to depositors.

Fourth-The balance of the profits shall be paid twice a year into the United States Treasury, thus making possible the reduction of taxes and thereby benefiting the whole citizenship, including, of course, the depositors. This, it is estimated, should bring into the U. S. Treasury, without taxing anybody one cent, an annual income of at least $120,000,000, to possibly $300,000,000 or more.

Fifth-Every banking institution in the United States in good standing may become an agent for the Postal Savings Bank, both to receive deposits and to make loans, receiving for such service a small commission on both deposits and loans.

The Postal Savings Bank will thus become the greatest and strongest bank in the world, one vast national reservoir of the people's savings, available for loans to all who furnish proper security. There will be no favoritism to any class or interests-practically no limitation to loans except the limitation of good security and use in harmony with public good.

Sixth-The present gold standard is not affected and will be permanently maintained, yet gold is made no longer either fetish or a scarecrow.

Seventh-The Postal Savings Bank will be placed beyond the power of domination by any interest or class. It will have no power of either inflation or contraction, these powers being left in the exclusive possession of the existing Federal Reserve Banks.

Eighth-It will quickly mobilize and put into ordinary bank channels over three billion dollars ($3,000,000,000) of money not now in any bankthe identical kind of money that is now the foundation resource of all banks.

Ninth-With this bill in operation there will be scores of millions of depositors, instead of half a million as at present, with deposits exceeding thirty billions, possibly soon nearer one hundred hillions, instead of one hundred and fifty-five million deposits as when this is written.

For details, facts uncontroverted, arguments unanswered-unanswerable-see "THRIFT AND PROSPERITY," by Senator Morris Sheppard, of Texas, and John B. Alden, Neshanic, N. J., farmer, exeditor and book publisher; $1 at book stores, or free at Public Libraries.

PUBLIC OPINION is irresistible. YOU help make it. READ the book for facts, simple, overwhelming logic. SEND THIS to Congressmen, Senators, Editors, Public Discuss Men; ask them "Why not?" Tell your thought. Inclose in all letters. with neighbors. These slips for letters at rate of 5 for 1c, postpaid, from Alden. Honesty is the best POLICY. Godliness is PROFITABLE-economic truth, not buncombe, not cant. Pleased customers more PROFITABLE that "skinned" customers. Dropping water wears stone-Keep at it. Ink beats dynamite. Pen mightier than sword-swing it!

At Book Stores, or of The Outlook, or of Alden, Neshanic, N. J.

W. L.DOUGLAS

$5 $6 $7 &$8 SHOES

FOR MEN AND WOMEN

are actually demanded year after year by more people than any other shoe in the world

BECAUSE: For style, material and workmanship

they are unequaled.

Protection against unreasonable profits is guaranteed by the price stamped on every pair.

Years of satisfactory service have given them confidence in the shoes and in the protection afforded by the W. L. Douglas Trade Mark. W.L. DOUGLAS shoes are put into all of our 110 stores at factory cost. We do not make one cent of profit until the shoes are sold to you. It is worth dollars for you to remember that when you buy shoes at our stores YOU PAY ONLY ONE PROFIT.

Boys Shoes $4.00 & $4.50

W. L. Douglas name and portrait is the best known shoe Trade Mark in the world. It stands for the highest standard of quality at the lowest possible cost. The name and price is plainly stamped on the sole.

Who Douglas

President

W. L. Douglas Shoe Co. 167 Spark St., Brockton, Mass.

SITUATIONS WANTED

Professional Situations

NURSE, efficient, refined, good render. n travel. Physician's testimonial. 2,170 tlook.

TRAINED nurse, of Finnish nationality, th many years hospital and private experi-ce, wishes permanent position as nursenpanion or nurse to invalid lady. Best aerican credentials. Miss Sandberg, 321 zhth Ave., North Pelham, N. Y.

TRAINED nurse, unusual ability, expericed, quiet, sunny disposition, desires posin companion elderly person or semi-invalid. -mpetent to manage home. Accustomed to veling. Highest credentials. 2,202, Outlook. -RADUATE nurse, exceptional ability, uld care for chronic case of any descrip n. or chaperon lady. Regular rates. 2,206, tlook.

Business Situations WANTED-Opportunity for winter. South eferred. Management of tea and gift shop inn by New England woman of refiueinent d successful business experience. Address 55, Outlook.

ACCOUNTANT-bookkeeper: Experienced, mpetent, dependable, middle-aged man. all manufacturing business preferred, derate salary, country town or small city. 56, Outlook.

RADUATE orchardist, 20 years' experie, ex-lawyer, will manage gentleman's ate or serve as secretary. 2,210, Outlook. WOMAN with varied experience; social rker, camp manager, years of experience dramatic director, wishes executive posiin settlement or institution. Highest creAtials. 2,184, Outlook.

SITUATIONS WANTED

Business Situations GENTLEWOMAN, practical, energetic, artistic, conscientious; having had many years experience in successful management of private sanitarium, desires similar engagement with physician of highest standing wishing to surround patients with home atmosphere and comforts, where many exceptional qual ities can be exercised to advantage. Would supervise care of one or more patients. 2,193, Outlook.

Companions and Domestic Helpers WANTED-Position as executive housekeeper by lady accustomed to refined surroundings. Able to manage servants, attend to marketing; also supervise care of children. Willing to go to California. Nothing menial. 2,185, Outlook.

WOMAN, cultured, tactful, comprehensive, capable. Would manage apartment; chap eron one or more young ladies spending winter in New York. Or housekeeper, friend, companion to lady. Highest references. 2,194, Outlook.

POSITION ns traveling companion or chap-. eron to lady wintering in South or California. Excellent references. 2,198, Outlook.

WANTED-Position as superintendent, matron, or housekeeper, by woman experienced in such work. Exceptional references. Address 2,190, Outlook.

HOUSEHOLD consultant-Expert adviser. Practical, conscientious, excellent taste and judgment. Servants engaged and installed. Kitchen equipped. Repairs supervised. Visiting buyer and manager, schools, households, etc. Any commission carefully executed. 2,195, Outlook.

SITUATIONS WANTED Companions and Domestic Helpers WANTED-Refined, practical nurse desires position of companion or nurse to person going away for winter. 2,201, Outlook. WANTED-Position as managing housekeeper in private family, by refined Southern woman-widow. 2,207, Outlook.

SOUTHERN woman, cultivated, Christian, desires position as companion or chaperon. 2,209, Outlook.

WOMAN, refined, capable, practical nurse, desires position attendant to invalid, matron institution. 2,213, Outlook.

CULTURED woman desires position as managing or companion housekeeper. Willing to travel. Highest references. 2,123, Outlook. Teachers and Governesses VISITING tutor-governess to children over six. German, French, piano. 12th year. Prepare for regents. 2,116, Outlook.

POSITION desired by refined, middle-aged American woman. Experienced teacher and governess. 2,179, Outlook.

YOUNG man, teacher, experienced, college graduate, desires position in religious or private school. Primary, intermediate, or high school subjects. Protestant: highest references; moderate salary. 2,186, Outlook.

TEACHER would accompany young person to Florida for winter. 2,200, Outlook.

WOMAN teacher, M. S. history, civics. Box 59, Brocton, N. Y.

ENERGETIC, cultured woman will accept position of trust as governess or housekeeper in motherless home. 2,208, Outlook.

MISCELLANEOUS

TO young women desiring training in the care of obstetrical patients a very thorough nurses' aid course of six months is offered by the Lying-In Hospital, 307 Second Ave., New York. Monthly allowance and full maintenance is furnished. For further information address Directress of Nurses.

MISS Guthman, New York shopper, will shop for you, services free. No samples. References. 309 West 99th St.

BOYS wanted. 500 boys wanted to sell The Outlook each week. No investment necessary. Write for selling plau, Carrier Department, The Outlook Company, 381 Fourth Ave., New York City.

THE Olivia Sage School of Practical Nursing offers a one year's course in special bedside nursing to a limited number of women. Classes are formed twice a year. Pupils receive maintenance, uniform and salary. Ap ply to Director, New York Infirmary for Women and Children, 321 East 15th St., New York.

SELL YOUR SNAP SHOTS AT $5.00 EACH. Kodak prints needed by 25,000 publishers. Make vacations pay. We teach you how and where to sell. Write WALHAMORE INSTITUTE, LAFAYETTE BLDG., PHIL ADELPHIA, PA.

TYPING of manuscripts or other material by educated young woman who can punctuate and spell. Address 2,212, Outlook.

THE advertiser will buy strictly high-class work, handkerchiefs. baby dresses, luncheon sets, or small novelties. References. Mrs. R. W. Wright, 3304 Fairview Ave., Baltimore. Md. (Price by the month.)