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? WSW YORK CITY ? IS .3$%^pV3>E!tBUIIiT What sm you doing to relieve this dsn?erous condition? THIS COMPANY is ready and wflltar to maKe a certain number Of BUILDING LOANS. Help us. Every dollar you invest In our GUARANTEED FIRST MORT? GAGES means that we can make Just so many more BUILDING LOANS.. Buy now. " "?5 gears without lost toan ? , investor." LAWYERS MORTGAGE CO. Mj RICHARD M. HURO, President 0$ Capital,Surplus&Pr.$9,000,000 ?>? liberty St.,N.T. 184 Montagne St.Bkn.^ financial burdens imposed upon the German people." Herr Bauer continued: "The distress of the land and of the pec?le has brought us together. We could not refuse cooperation unless we desired to run the risk of leaving Germany prey to a chaotic state, with? out government and hopeless of sal? vation. You will believe mc when I say we arc not here to stand for the interests of our own party, and still less to satisfy our ambitions. Act Declared a Duty "Wc are here from the sense of duty to save that which is salvable." Having expressed regret for the ac? tion of the Democrats Herr Bauer formally presented the new ministers iind announced that the Cabinet's general programme would remain identical to that of the Scheidemann Ministry. Coming to the question of signing the treaty or not, Herr Bauer said: "The imperial government only too well understands that it faces the en? emy's terms. Exalted indignation car? ries away individuals and the commu? nity and tries to find vent, but if on assuming my heavy office I may make a request it is this: Do not allow the question of acceptance or rejection to become a party matter. Do not mis? judge the advocates of rejection as Chauvinists, pursuing selfish aims, or the advocates of. acceptance under dire .necessity as cowards or weaklings, void of the national sense of justice. "On both sides are weighty reasons which no responsible man can overlook. A decision must be taken. The time for reflection is past. The hour for ac? tion has arrived, and in it each of you bears a responsibility. "The imperial government is con? scious that despite all manifestations of confidence it can in the eyes of the nation and history only have one real justification, namely, to ruthlessly make a decision after the examination of the facts and a responsibility with? out an eye on party feelings." (Sections missing.) "Yield to Force" His Plea Declaring that by signing the treaty under reserve the government yielded to force in order-to spare suffering Germany from a new war and disrup? tion of national unity by further occu? pation, starvation for the women and children and an unmerciful longer re? tention of German prisoners, Herr Bauer continued: "But the government expects, in view of the stupendous burden thus j assumed, that all military and civilian prisoners will be returned without in terruption beginning July 1. At this ?olemn moment the government de? sires to express itself with absolute clearness in order to meet beforehand any possible reproaches that the con? ditions imposed exceed Germany's power to perform, and we therefore ? decline all responsibility for the con- | sequences that may befall Germany. ] should her utmost endeavors prove the conditions impossible of fulfilment." Bauer Thanks Scheidemann When the Assembly opened at noon all the members of the new Cabinet were present. Herr Bauer, in announc? ing the formation of his ministry, heartily thanked the members of the retiring Cabinet, especially Philipp Scheideniann, for their devoted and self-sacrificing labors. He added also that these thanks were due to the mem? bers of the German peace delegation. Tho Premier said the resignation of the Scheidemann Cabinet was due to lack of a united front with regard to the draft of the? peace terms, on which the Cabinet views were sharply divided. These dissensions went riffht through the ranks of the government parties. "To every one of us who belonged to the former government," said Herr Bauer, "it was a bitter and hard fight between indignation and cool reflec? tion. It was exceedingly hard for us ' to take the decision to join a new gov- : eminent, whose most urgent duty must ! be to conc'ude a peace of injustice." Bauer Cabinet Soon Remodelled WEIMAR, June 21 (By The Asso-j ciated Press).?Germany acquired a: r.ew Cabinet only after nearly a week j of literal sweating in blazing Weimar j weather. The signing of the peace j terms naturally was the only ques? tion around which Cabinet construc? tion hinged, and the government, which had gone on record as consider? ing the terms unacceptable, found a ; turprising following behind it. The first party ballots seemed to '? make the signing of the treaty in . evitable, for the powerful .Majority Socialist party voted two-thirds for ending the suspense. With the In? dependents supporting them, the Con? servatives as a party behind thern ?nd the Centrists on the fence, the i**su!t appeared a foregone conclusion. But the Conservatives suddenly swung 'around and declared for non Genuine Cordovan Oxfords of our own make will give yon the utmost in service and quality to be had in New York. Made to order, $14 and up. MiUta.y Boote Greatly tltltvct? E. VOGEL, Inc. ? * Hf?TQN WHICH ALllBS'FINAL- . ANSWER WAS GIVEN TO GERMANY Qimirar period auowzptor signing. signature, the Centrists wavered and imposed conditions, and the Democrats temporarilv balked any hope of a majority by stubbornly persisting against the extradition by the Entente of the former Emperor and other Ger? man notables. This was' the stumbling block, for the Democrats could not be budged from the attitude which they held through a forlorn pride in the former war lord and the belief that a revolu? tion would break out in protest by the people should von Hindenburg, Ludendorff and other idols also be hu? miliated. Count von Bernstorff, the former ambassador at Washington, played a prominent part in the proceedings, not only as president of the German peace committee, but, according to persistent rumor, as the possible successor of Count von Brockdorff-Rantzau, head of the German peace delegation, for there was a powerful group that wanted him? to suffer the poetic justice of signing the terms, after he had helped to bring the United States into the war. Von Bernstorff, however, resisted, and, after having been appointed in the morning to the Cabinet headed by Gustav Adolf Bauer, refused to ac j cept the appointment or have any? thing to do with th? matter. Opposition to Treaty Weakens Later in the day the Centrists dropped their demand for modification of the terms and expressed their will? ingness to sign. The Democrats also weakened to such an extent that fifteen of their sixty-five members in the As? sembly went over to the side in favor of signature. The first ministry, headed by Herr Bauer, lasted exactly one hour. It crashed on the stubbornness of the Democrats and Von Bernstorff's flat re? fusal to head the Ministry of Foreign Affairs. Dr. Dernburg, who had been named as Minister of Finance, de? clared he could not cooperate. The Democrats then reduced their demands to one point, on which they were adamant, namely, that the former Ger? man Emperor, Von Hindenburg and Ludendorff must not be delivered to the Entente for trial. Eventually the Bauer Cabinet was reconstructed, with Dr. Herman Muel? ler, the Majority Socialist leader, as Minister of Foreign Affairs, and Math? ias Erzberger as Minister of Finance and Vice-Premier. Issue Left to Assembly In his first speech in the afternoon Premier Bauer outlined his programme to the peace committee of the Assem? bly. It was decided not to vote on the question of peace, since the Cabinet was distinctly a peace Cabinet, but to submit the question to the Assembly Sunday for ratification. Count von Brockdorff-Rantzau will leave Weimar to-morrow for a vaca? tion in his private capacity. Count von Bernstorff will go on a ?vacation Monday, unless the new Cabinet needs his advice. Herr Bauer, the new Premier, had hitherto scarcely been mentioned for Philipp Scheidemann's position. Prior to his appointment as Labor Minister he was secretary of the labor unions of Germany, He is rated as a long? headed, conservative Socialist, who is reputed to have as much influence with the workingmen as Carl Legien, head of the German Trades Union Confed? eration. He was originally the choice of the Socialist groups. He is forty nine years old. LONDON, June 22.?Commenting on the precarious life of the new Cabinet once peace is signed, the Reuter cor? respondent in Berlin says that a mere accident or a few abstentions may at any moment result in its defeat, as the Centrist and Socialist bloc, on which it depends, commands only 255 out of the 423 deputies. Signing of Treaty Tuesday Possible PARIS, June 22 (By The Associated Press) (2 p. m.).?After receiving a vote of confidence the new German Cabinet will ask that the Allies waive their demands for the surrender of the former Emperor and for Germany to acknowledge responsibility for the war, but no matter what their reply the peace treaty will be signed, according to advices from Weimar to the Ameri? can peace delegation. Advices were received by the Ameri? can delegation to the peace conference at 3 o'clock this afternoon that the German National Assembly met in Wei? mar at noon and that the new Cabinet would demand a vote of confidence. The advices said that afterward u note would be forwarded to Versailles ask? ing the Allied and associated powers to change the peace treaty, first by waiv? ing their demands for the surrender of the former Emperor and, second, for Germany's acknowledgement in writing of her responsibility for the war. It was added that no matter what the Allied reply was the treaty would be signed. A dispatch reaching the American force delegation late yesterday after? noon from Weimar said a decision had bren reached by the Germans to ask for further delay from the Allies, but that later the Social Democrats and Centrists found they had a sufficient majority in the Assembly and so de? cided not to sign a request for delay. In high quarters in the peace con? ference the belief was expressed that the signing of the treaty would tike place Wednesday. There seemed to be no inclination to grant the Ger? mans any delay, although it was recognized that if there was no German government to deal with some delay would be inevitable. Action of Troops Uncertain With regard to whether the Allied troops will move forward if an af- i firmative answer is not received from the Germans at 8 o'clock Monday after? noon, some of those in authority favor sending the troops forward immediate? ly, while others prefer a delay of two or three days for the actual ma? n?uvre. The view of the members of the council of five after the meeting to? day was that everything looked favor ???Jle to the signing of the treaty, and that it was even possible this function nught take place Tuesday. The council yesterday reached a con cluhion with regard to the protection of minorities in Poland. The repara? tion terms of the Austrian treaty were not completed and will be taken up again Monday. Independents in Germany Gaining N*w York Tribun? Spicioi CabU ?Stnrvie? (Ctorrlffet, 191?. N?w Tork Tribun? toe.) BERLIN, Jim? 22. The-Independent Socialists are the only party fairly ??tinfkd with the nrenent chaotic state Copyright, Underwood & Undorwood. Gustav Adolf Bauer, Majority Socialist, who has been chosen Premier in the reorganized B erlin Cabinet. of affairs in Germany. The Indepen? dents feel themselves wholly Independ sible for the outcome of the peace negotiations, being at present unwill? ing to undertake to organize a new government owing to lack of support in the National Assembly. They are more than content to observe the other parties struggling with impending diffi? culties while the process of radicaliza tion makes steady headway among the laboring masses. The Independents are carrying on an energetic agitation throughout the country and are making rapid inroads on the strongholds of the Majority Socialists. "Die Freiheit" prints news of Majority Socialist clubs going over en masse to the Independents. The huge gains of the Independents and the losses of the Majority faction in the Bavarian municipal elections several days ago are regarded as an ominous sign of coming political events. A highly pessimistic tone prevails hero regarding the future in general, whether peace is signed or rejected. The most intelligent authorities as? sert that Germany is not able to meet the financial and political terms. They say the government itself will be un? able to prevent an outbreak of civil war in Eastern Germany if an attempt is made to transfer territory to the Poles. They also declare that the peace conditions will aggravate the so? cial ferment throughout Germany, and they predict an early resumption of turbulent outbreaks against the gov? ernment. Stage Is All Set For Foe to Sign VERSAILLES, June 22 (By The As? sociated Press).?Arrangements al- . ready have begun to take shape at Ver? sailles for signing the peace treaty. ? Orders have been given to have every? thing in readiness Tuesday, although the ceremony, according to the Havas Agency, is not likely to occur before Thursday at the earliest. Other dispatches say the ceremony may take place Wednesday, or even as early as Tuesday. The famous Gallery of Mirrors has received its final furnishings. The carpets have been laid and the orna? mental table with Its eighteenth cen? tury gilt and bronze decorations has been placed in position on the dais where tho plenipotentiaries will be seated. Room for 400 Guests There will be room for 400 invited persons at the historic session. They will be given places in the left wing of the Hall of Mirrors, while the right wing will be occupied by about the same number of press representatives. Sixty seats have been allotted to the French press. The programme of arrangements, as far as it has been settled, was sub? mitted to Premier Clemenceau to-day. The court of honor has been cleared of captured guns. Three regiments of infantry and five of cavalry will be on | duty. Republican guards in gala uni i form will render the honors. They | will be stationed on the grand stair? case by which the plenipotentiaries enter the hall. According to the Havas Agency, diplomatic relations with Germany will not be resumed immediately on signing the treaty, but only after its ratifica? tion. This also applies to admission of German subjects into France. Fronting M. Clemenceau's presiden? tial chair will be placed a small table on which the diplomatic instruments will he laid. It will be to this table that each representative is called in alphabetical order to sign his name to the treaty and affix to it his govern? ment seal. As there are 100 delegates, the ceremony is expected to take at least ninety minutes. It is as yet uncertain whether M. Clemenceau will make a speech. It is considered as not unlikely that the Germans will raise a last protest at the moment of signing. The final preparations for tho sign? ing of the treaty will be discussed at a meeting at the prefecture here to? morrow. French officials are assum? ing that acceptance of the Allied terms by Germany is certain. Prefect of Police U>uix, of Paris, has been assigned to take charge of the maintenance of order in Versailles. He will have a largo force of gen? darmes at his disposal, in udditicn to the troops, in order to control the crowds which undoubtedly will come to Versailles on the day the treaty is signed. Only French representatives will be intrusted with the arrangements for the function, the Allied and associated delegates being regarded as the guests of France. Vote No Surprise To Ue S* Officials WASHINGTON, June 22.?Decision of the German National Assembly to? day to sign the treaty of peace formu? lated by the Versaute? conference wus In no wise surprising to officials In Washington. Belief had been general in official circles here since the Ger? mans w?ro handed th? peace terms that eventually the German delegation would bo instructed tt, affix its ?ignu tures. This feeling was much ac? centuated by the fall of the Scheide? mann Cabinet. Many officials predicted privately at the outset of the negotiations with the German delegates that the ministry headed by Philipp Scheidemann would give way to another Cabinet before the actual signing took place. The large majority recorded in the Weimar Assembly in favor of signing the treaty was consideren by officials here as an accurate reflection of the domi? nant desire of the German people for peace at the earliest moment. Senator Norris, commenting on the efforts of the Germans to amend the treaty so they would not be compelled to surrender the ex-Kaiser and ac? knowledge blame for the war, said to? night: "I would not accept the treaty if it does not call for the trial of the Kai? ser. He should be tried, and, as the evidence shows, imprisoned, like Napo? leon, or hanged. I don't care particu? larly about officially blaming Germany for the war. Saying that in the treaty will not make it so. The fact of her guilt is beyond the treaty, and that is sufficient. The Scapa Flow sinking was a 'cute' trick, but it does not look i good." The White House to-night had re? ceived no communication from Presi? dent Wilson subsequent to the receiv? ing in Paris of news of the German As? sembly's action. Consequently there was no definite information obtainable as to when the President would leave France. It was thought possible that should the actual signing of the treaty take place Thursday the President j might leave Paris immediately, so as to j arrive in the United States by July 4. The President, it is known, has made all arrangements, so such negotiations with the Germans after the signing of the treaty as are necessary and the I formulation of uncompleted portions j of the Austrian treaty may be placed in the hands of other members of the American delegation. Marconi Named Peace Delegate Tittoni, Foreign Min? ister, and Senator Scialoia Other Envoys ROME, June 22.?The Italian dele? gation to the peace conference here ' after will be composed of former Fur Leign Minister Tittoni, Senator Gugli . elmo Marconi and Senator Vittorio Scialoia. Tommaso Tittoni, the new Italian Minister of Foreign Affairs, is an able diplomat and authority on international affairs. He has served his country as Ambassador to England and France. He has been a member of the Perma? nent Court of Arbitration of The Hague Signor Tittoni was born at Rome in 1855, and educated at the Universities of Rome, Oxford and Liege. Gugliolmo Marconi is known throughout the world as the man who first demonstrated the practicability of wireless telegraphy. He has spent much time in the United States, and was a familiar figure in New York be? fore the war. He is forty-five years old, having been born in Bologna in 1874. Senator Vittorio Scialoia is not well known in the United States. ! Wilson to Leave On Hour's Notice New York Tributiti Special Cable Service. fCopyright. 1910. Now York Tribune Inc.) PARIS, June 22.?While the news from Weimar to-day is uncertain, there is no uncertainty about the fact that Marshal Foch has departed for his headquarters, where he assumed com? mand of 760,000 men. It is also true that the Allied fleets "have taken posi? tions with a view to reestablishing the German blockade, if that step should be necessary. American, British and French dele- | g?tions reiterate that no further delay ! in acceptance of the treaty is possible, I the question being entirely up to the j Germans to act before ^:49 p. m. to- ' morrow. Though many peace dele- | gates are said to favor giving the'Ger- ? mans a few days longer to organize their govvernment, there is little likeli? hood that this will be granted, and re? fusal will set the Allied armies in mo? tion Monday evening. The American staff at the Hotel Grillon are doubly interested in the signature, because it will mean the return home of many, although all plans and preparation have been delayed until Weimar has deeided. Arrangements for President Wilson's departure have been perfected so as to ! '?nable him to quit Paris for America j by way of Brest at an hour's notice. ! Secretary Lansing, Mr. White and Gen- ? eral Blias will remain for the negotia- | (?on of the Austrian treaty and will ! act, in advisory capacity in regard to ! the Turkish and Bulgarian treaties, but ! the decision us to who leaves with Mr. | Wilson has been deferred. Value of Mark Rises i As Peace Approaches ?>ERNE, June 22.?-Owing to better ?^ peace prospects, the German rate of exchange has risen from about 34 to 40^ francs for TOO marks. The Austrian rate has risen from 15 to 20 francs a 100 crowns. Allies Refuse German Plea; Ready to Strike Continued from pagre I ready presented and with the increase of heavy burdens. "The German people does not wish for the resumption of the bloody war; it honestly wishes for a lasting peace. "In view of the attitude of the Al? lied and associated governments, the German people has no other force in its hands save to appeal to the eter? nally inalienable right to an inde? pendent life, which belongs to the Ger? man people, as to all peoples. "The government of the German re? public can lend no support to this sacred right of the German people by the application of force. The gov? ernment .only hopes for support through the* cooscience of mankind. No people, including those of the Al? lied and associated powers, could ex? pect the German people to agree with thorough conviction to an instrument, of peace whereby living members of the very body of the German people are to be cut off without consultation of the populations concerned, whereby the dignity of the German state is io be permanently impaired, and where? by unendurable economic and financial burdens are to be laid upon the Ger? man people. "The German government has re? ceived passionate expressions of opin? ion from the population in the districts to be cue off in the East, to the effect that they will oppose themselves to the separation of these districts which have for the creator part been Ger? man for many centurie3 by all means they possesses. The German govern? ment, therefore, finds itself compelled to decline all responsibility for any difficulty which may result from the resistance of the inhabitants again.;! their separation from Germany. "If the government o'f the German republic is, nevertheless, ready to sign the conditions of the Allier, with the above mentioned reservation, yet this is not done of its free will, The gov? ernment of the German republic sol? emnly declares that its attitude is to be understood in the sense that it yields to force, being resolved to spare the German people, whose suffering are unspeakable, a new war, the shattering of its national unity by further occu? pation of German territories, terrible famine for women and children, and mercilessly prolonged retention of the prisoners of war. "The German people expects, in view of the grievous burdens which it is to take upon itself, that all German mili? tary and civilian prisoners, beginning July 1, and thereafter in uninterrupted succession and within a short period, shall be restored. Germany gave back her enemies' prisoners of war within two months." Reply of the Allies The reply to the German delegation said: "The present note of the German delegation presents no arguments or considerations not already examined. The Allied and Associated govern | ments, therefore, feel constrained to say that the time for discussion is past. They can accept or acknowledge no qualification or reservation and must require of the German represent? atives an unequivocal decision as to their purposes to sign and accept as a whole, or not to sign and accept the treaty as finally formulated. After the signature, the Allied and Associated 1 pewers must hold Germany responsible for the execution of every stipulation of the treaty." Foc h to Seize All German Utilities COBLENZ, June 22 (By The As? sociated Press).?More than 600,000 . Allied soldiers in the occupied areas j stood ready Saturday night for a fur j ther invasion of Germany. The troop j concentration ordered by Marshal ! Foch has been completed up and down ! the Rhine, and every detail has been ! worked out for an advance, in the \ event that Germany does not accept ! the terms. Even orders to the civilian popula ; tions, printed in French, English and ! German, as framed by Marshal Foch, i are ready for distribution in the dis ! tricts and villages taken o er by the j Allies. One order in the military j regulations says that any house from j which civilians may fire upon the ? marching troops shall be burned im i mediately. Another order provides for the requisitioning of the railways, telegraphs, telephones nnd other utili? ties, as well as persons employed in these services. About 100,000 Americans will move forward if the final order comes. Th^ ; con:entration just completed is Amer ica's greatest display of strength since the armistice. The proclamation says: "The Allies entering into German territory will respect persons and property and will enable the German j population to carry on their ordinary i business, provided the safety and ! movements of billets and supplies of the Allies are fully guaranteed. "All the personnel of public admin? istrations must remain at their posts and continue to carry out their duties under control of the Allied armies. Any infraction of these orders will be punished* in accordance with military regulations. "All persons guilty of any hostility ngainst the Allied troops, whether in firing on them or destroying railways, roads and waterways, or cutting or damaging telegraph and telephone lines, or in communicating with the enemy are amenable to military law. In all communes all arms must be handed over to the area commandnnt I one hour after tho promulgation o? ! this order." I Financial Pirates! How to protect your heirs WE have become a nation of bond buyers. Millions now own their first bonds?Liberty Bonds. A new in? vestment trend is under way. You see examples in your own family. But beware! Financial pirates are full rigged to take advantage of the very con? fidence inspired by the possession of government securities. They work without scruple. No chiv? alry prevents them from sending women over their financial gang-plank. An illu? minating article in The World's Work for January gives examples. Amongst them the following two: '? * A New Hampshire woman recently brought suit to recover $48,070 which she had been induced to "invest" in the worthless stocks of a cereal concern. A widow had $20,000 of life insurance money. With it she purchased, at $125 a share, stock which was then selling in the open market a? $80 a share. It later proved to be almost entirely worthless. Fortunately, the prevention of such unhappy in^ cidents is a simple business matter. We believe that any forward-looking man concerned as to the protection of his heirs will be glad to discuss : A COLUMBIA TRUST FUND for safeguarding the money you leave The plan is this: 1. A Columbia Trust Fund is simply money set aside under the protection of the Columbia Trust Company and invested to provide periodical income for definite objects. 2. Life insurance or any other money may be used to form the Trust Fund. We are bound by a written agreement to carry out your wishes definitely and absolutely. 3. We will make investments of the Tru6t Fund for you in such securities as'are lawful for Trustees, or, if you prefer, you can give us definite instructions to follow. 4. Income from the Trust Fund will be paid in installments to whom you wish and when you wish and in the amount you wish. * You can take up this matter at any one of our offices. The Vizepresident in charge will he glad to talk to you personally and promptly. Of course, there is no obligation on your part. IN FINANCIAL DISTRICT 60 Broadway IN HARLEM ?25*3t6 Lenox Ave COLUMBIA TRUST CUMPAN? IN SHOPPING CENTRI 5*Ave&34*St. IN THE BRONX 148* St& Third Ave Member of Federal Reserve System