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GUARANTY BANK DEPOSITS (By Guy Flenner.) (NOTE: The following is the first of a series of articles on the guaranty of bank deposits, written by a well known Idaho newspaper man and in vestigator, who has given the ques / tion considerable research. We pub lish these articles for the information of cur readers and in order .that there be an intelligent consideration may of the subject, and without necessarily^ approving or opposing any of the opin ions stated. The Editor. Article II—Arguments. In the first article the writer un dertook to briefly trace the history of guaranty of bank deposits, showing it confined to eight states, which found the posed relief largely mythical, and where public confidence "was wanting indicated by the much heavier de posits in non-guaranty than in guar anty banks. The facts reveal that the system, designed to protect deposits, had most dangerous to instijtu as proven tions that are inseparably associated with the public welfare. Let us consider leading arguments for guaranty of bank deposits by the state: (1) That it brings hoarded capital from its hiding places. That individual deposits ( 2 ) should be secured the same as gov ernment deposits. (3) That it is legitimate insurance (4) That such legislation would prevent panics through affording complete security to depositors. The hoarder is always with us, and he is not wholly a curse, after all, for he has formed the motif for more conservative banking and better bank ing laws. In the vicious attitude he is, of course, an enemy to the public; hut, after all, the amount of money hoarded is so inconsequential it would be poor policy, wasteful and unsafe, to enact regulations to meet the re ■quirements of a paltry few. The argument that individual de ** 11 cigarettes They are GOOD! 1O' ïïmyÛàsCsmrstitmaiSmstMamey effort THE UNIVERSAL CAR Ford Service Here is What Ford Service Really Means It means Genuine Ford Parts. It means a Repair Shop where ex pert Ford Mechanics perform the work. It means giving- Honest, Courteous, Prompt Attention to the Ford Owner's every need. It means to constantly supply you with a Ford Service that will make you and keep you an enthu siastic member of the great Ford Family. M. & M. Garage FORD AUTHORIZED SALES & SERVICE LINCOLN MOTOR CARS First and Washington Sts. Phone 22. The vapep say s All ><bo PöuceMEN AJR€ GOING TO CARRY WIRELESS 'PHONES 1 . - «S THAT SO 7 H / -AMO THE CAPTAIN CALLS OS 6 verv half Hoof*!! we WILL CATCH THE CROOKS NOW ALRIGHT.*.' ^ I WONDER WHAT WAVE LENGTH ME QETS ? ves INOEEO " \ w II 1?OWH To THE CORNER To SEE Officer c?yan the paper said CRIME WAVE ! A WHERE ARE Yoü GO/NG-, Ralf \ v \ / I ? 1 O as rz "id t CI •r A CCZ) "iffinsas i CD co Mil L äl CDC f <•< V' fj] % ?IXI> t'f'.K >u .•KiiacBoS -I - '**J2&ULnZlZ2'rr TaCkWi-SOH, Copyrtoht. fttl. bV The McClure Xempaper Syndicate 1 posits should be protected the same as government deposits overlook the fact that the people are the govern ment and that the government is su perior to the individual or any group We must recognize the functions of the government strengthen its powers. All security of life and property of the people resting in the government, there is demand, far and above that of the in dividual, that its functions be as sured the people, without delay or impairment. To remove that princi ple is v to uproot the stability of gov ernment and render it impotent to vouchsafe protection. The rule of insurance cannot be protective and I insurance companies were denied the ! privelege of rejection, they could not j prosper. They would be driven out of business. One authority puts it succinctly, saying: "All insurance, including the risks of benevolent and mutual made applicable to guaranty of bank deposits. It would not be natural and Insurance in all practical insurance, other forms, under our laws and prac tices, can only be obtained through negotiations. There must be a mut ual understanding between the con tracting parties. And oher scheme would invade property rights and if companies, is predicated on both moral and physical hazards, and the general scheme of insurance is only workable because of the fact that the compensation method by which the true rights of all the interested par ties can be recognized and be reason ably safeguarded. "Those who are worthy of low rates would suffer destructive dis crimination if compelled to pay the same rates that are necessary to pro tect risks which abound in inefficien and other dangerous hazards." Apply those observations to guaran ty of deposits and you find dangerous methods and inefficiency beckoned by cy the guaranty, which has caused ttiore wildcat banking, perhaps, than anv other agency in this country. the public is the only suffer Of course, er. The remedy is, in reality a di3 in itself. ease SUMMARY OF HEALTH RULES, ., a schoolroom down in the mountains I her mother, caught the essential points: a i The following resume of a forty five-minute talk on hygiene, given in of North Carolina, was made by a ; child 9 years of age, to take home to The child certainly If ye wash yourself inside and out no pisin will stick to you and make you sick. Your mouth was made to eat with and yer nose to breathe with. Ef ye don't do hit this a way ye might get a sickness. Ef you haft to spit, kiver it up with dirt. Ye needn't have varmints in yer ! ; hed of ye don't want him. I fergit i the name she give the stuff that will ! kill 'em, but if ye keep clean they j won't be any. t Ef sores air made clean and kep j clean ye won't get blod pisin. j as should not be thar. Wash all gar den stuff keerful and clean your Worms is dirt come to life in you, spring. Ef ye keep yer finger nails clean ye can scratch yer hed without dan ger of pisin. And hit air not polite to hev dirty nails. Ef ye have sore eyes, don't spread 'em among others. Be keerful not to use no one's basin or towel or hand kerchief. Ef ye see a baby with sore eyes, tell a doctor. Little babies don't belong to have nothing the matter with 'em. Ef you g?t hurt get fixed right away or tomorrow it will be a bigger hurt. FOREST FIRES Some walloper went to the mountains To fish for some suckers and trout, Lit a camp fire near a big pine tree That all the men in the state can't put out. Now that fire is devastating our mountain Leaving its black ugly char, Desolation, waste and destruction, Their grand scenic beauty to mar. When Nature, she planted those forests, Created a great watershed That would irrigate deserts of sage brush To grow wheat and alfalfa instead, So the Bonehead who goes to the mountains With a meataxe had ought to be hit Who will gaze at those beautiful for ests. Then go off and leave a fire lit. Bramwell Farmer I Wilbur H. Thompson and Helen D. ; Thompson, of Geneva, Iowa, to A. ; P. Peterson, of Emmett. SWVi NEVi NW% Sec. 10-6-1 W. $750. I F. A. and Della Deffenderfer to W. [ F. Sinclair, S 33 ft. Lot 44 Sunny I Slope Add. Emmett. $1675. Birden Burcham to E. M. Southwick 5% SW>4 Sec. 10, and NEViNW'/i Sec. 15-6-2 W. $1550. ! PATENT— U. S. to Thomas J. I Jones. Consolidated Idaho Mining claim, in West View Mining District. Decree of Distribution. NEWS OF RECORD Instruments Filed for Record for the Week Ending August 7, 1922 Warranty Deeds Estate of Frances M. Bucknum, de ceased, to Claude D. Bucknum, Vi in terest in Lot 9, Block 1, Orig. Em mettsville, all of Lots 7 to 12, Block 2 of Hayes add. Emmett. Estate of H. E. Cooke, deceased, to Ruth A. Cooke, 13 acres in North 55 rods of NW14 SWV4 Sec. 8-6-1 W. SWEET _ Word reached us Sunday of the and marriage of Herbert Spencer Miss Guthrie, one of the Brownlee school teachers, which took place Sat urday in Boise, so we understand. The two year old daughter, and only child of Mr and Mrs Ora F os Ur, of Jerome, Idaho, was kicked by a h u r *™ an îU CilIed t *î, e la !\ 0f week The body was sh.pped here for I bu r u * \ arrlvl "F at Montour Sunday, land interment was made in the Sweet cemetery Monday afternoon in the Hughes family plot -Mrs Foster was förmerly Miss Ruth Hughes of Sweet and both Mr. and Mrs. r oster are W, j e L y .u n r n Vr U / h0Ut * t e va and both have the deepest sympathy of the entire neighborhood in ' helr bereavement. Mr. and Mrs. Gilbert Talley and son George, Miss Rilla Ward, and Mrs. Emma Talley left Friday by auto for Portland, where they will re main several days. Mr. and Mrs. Owen Dix were day guests at the W. L. Nicol home sfirst & MS ESr I Mrs. Frank Hensley, Mrs. C. C. Montgomery, Mrs. B. Seetin, and Mrs. Ward Smith returned home the mid dle of last week from High valley where they had been huckleberrying for a week. Mrs. C. C. Darrah is improving in health under the care of Dr. Mason, a chiropractor doctor of Emmett. Mr. and Mrs. Ernest Bennett, and Mr. and Mrs. Ed Holbrook spent a few days outing in High valley and secured a few huckleberries. W. D. Smith and F. E. Albin went to the timber Saturday, after wood. Mr. and Mrs. Harry Woods and daughter Irma, were Sunday dinner guests at the B. Seetin home. Loran Smith is visiting with his uncle in High valley this week. Mrs. Seetin went to Emmett the first of the week to visit her mother, Mrs. Woods. Mrs. Jack McMurrin left on Friday for Vincent, Oregon, to visit her hus band who is engaged in logging at that place. Mr. and Mrs. Will Talley, Mr. and Mrs. Lloyd Cox and son Billy, and Owen Dix returned Saturday from Hailey, Idaho, and back, via Bear val- j ley, where they had been on a ten days' fishing trip. They report an excellent catch of trout. Mr. and Mrs. Jack Young of Em- j mett have been visiting at the Her bert Spencer home in Brownlee the past week. Joe Able and Mr. Sharp have been hauling wood from near Moulton's mill. Mr. and Mrs. Harry Woods were Sweet visitors on Friday. Muriel Seetin of Emmett was vis iting at the B. Seetin home the fore part of the week. Gilbert Smith returned Wednesday from High valley, where he has been visiting the past three weeks with his uncle, J. L. Albin. Irma Woods spent Friday night with her cousin, Alva Knowlton of Sweet. Mr. and Mrs. Bert Cox, and son Elvis left Saturday for Bear valley, with the intentions of remaining there the rest of the summer. Mrs. F. E. Albin, Hazel and Le lard went to High valley last week, expecting to be gone about ten days, to pick huckleberries. Harry Roth returned Sunday from Bear Valleÿ, where he had taken his family and mother for a few weeks' vacation. LINCOLN LINES joying a chance if scenery 1 We had the pleasu:e tu meet up The J. A. W'ills family motored to Hots'. last Sunday, isiting and ei. with an old acquaintance and neigh bor of ours last Saturday evening. T-i? gentleman was Elmer Casper. .vho all the old-timers will remember a- being the son of Peter Casper. They are now located on a 200-acre ranch, so Elmer states.*a short dis tance from Dietrich, Idaho and are doing well with cattle and horses. LI mpr , c ni rent are witii him. but hi? brothers Arthur and Delbert, are at Orangeville Elmer was in the scr vUe and received a broken leg as his share of the casualties. They motor 1 j n e n Gpi-tion last Saturday on t y.„ lookout for fruit for that section 0 f t h e coun try und to renew old ac quamtances. 1 j'he watermelon parade is starting to ro u an j truck after truck of these very delicious truifs of the vine are loaded out every day f vr shipping. R a i p h Womack. Will Obermeyer, the j a p anese gardeners and several others are setting the watermelon pace. . Charles Cook has invested in a brand splinter new Maxwell car and believe Muh he and the Mrs. cut a wjc j e SW ath when you see them pass their heads high in the air. The car j s a b eau t and Charlie is a good ( i r ; ver which makes a fine combina " 0 n. ^e are very sorry that Howard Harper has become ineligible to be come county commissioner through liv-ing in the wrong district. Better the road Howard. returned from the move across Howard Harper Boise Basin last Friday, leaving Mrs. Harper behind to visit friends and re latives. Serial 022731. Notice for Publication. ^^off^rat^oS îdSS,° JnS' »i ^9 Notice is hereby given that Samuel y WriRhti of 0 l a , Idaho, who on July made Additional Homestead ' A ' ct . Dec . 2 9, 1916, No. 022731, f NHSW'4, Section 8, Township 9 N()rth Range ' 2 East . Boise Meridian, hag not [ ce 0 f intention to make Proof, to establish claim to the land above described, before Register Re l iv er at the United States La nd Office at Boise Idaho, on the 8th day of September, 1922. c]aimant nam es as witnesses: _ Florence p p aviSi Edward L. Davis d Ed White, all of Ola, Idaho; and c Doupr l as . of Boise, Idaho BARTLETT SINCLAIR. Register. Sun--terested, Q]d g for pa ] e at The Index »«»• ». p« '»»- 1 ■* Whatever than la gmi to Maten, Clean ate Ctcanttea» «a cairf. : POOL AND BILLIARDS CaaftcH—ary ate Safi Prtetol Maka mr coo y plan yaor dob bona* your friend* ban Taa aa May fUwara. THE BRUNSWICK,CIGAR STORE THE BUSY PLACE a # Fertilizer and Hail Insurance HAIL INSURANCE— We are now in a posi tion to write hail insurance on your fruit crops. You can not afford to take chances without it, let us talk it over with you, FERTILIZER— We still have a few tons of Sulphate of Ammonia, carrying 25 per cent nitrogen, used jnore extensively by or chardists over the Northwest than any other fertilizer. Try out a block of your orchard and note the ^sults from its use. SPRAY MATERIALS AND ORCHARD SUPPLIES OF THE BEST BRANDS Carried in Stock at All Times Gem Fruit Union GUY B. DAYTON, Manager Phone 202 First Death Among Pilgrims. The first rlearh amonz the Pilgrims ifter their »nival on the coast of America was that of Mrs. William Bradford, wife of the luter governor D f jj ie Plymouth colony. Before h had j (ppn st ,| ertP( ; f 1)r a settle mpn , and w , lilo thP Mayflower whs ... , . yet ,!t anchor in Cape Cod bay, 11 rK - Bradford fell Into the sea and Bas dr owned _ Th . m-.i,,u n i,«r ,. , , , , . Tl:<> professor ^.mi> n ,>,,r ln soml * scientific subject «lien the nurse announced the arrival of a boy. "What—who?" stammered the profes sor absently. "Why Interrupt me— isn't niy wife at home?" Serial 021628. Notice for Publication. Department of the Interior, U. S. Land Office at Boise, Idaho, July 25, 1922 . Notice is hereby given that Silas G. Smidt, of Horseshoe Bend, Idaho, w h°. on September 17, 1919, made Additional Homestead Entry Act Dec. 29, 1916, No. 021628, for SEliSEH Sec. 19; Sl&SW'A, NEHSW'A, W% SEU, S%NE?i, NE *4 NE 14, Section 30. Township 7 North, Range 3 East, Boise Meridian, has filed notice of in tention to make 3 year Proof, to es tablish claim to the land above des cribed, before Register and Receiver at the United States Land Office, at the 12th day of Boise. Idaho on September, 1922. Claimant names as witnesses: Martin Olsen, Frank A. Greer, Miron A. Eastman, and Frank A. Noland, all of Horseshoe Bend, Idaho. BARTLETT SINCLAIR, Register. Notice. Department of the Interior, United State s Und Office. Notice is hereby given that the state of Ida ho on the. 28th day of j u j y 1922 , filed in this office a list of f' nds N o. 026562. selected by its state Board of Land Commissioners f r School Indemnity Purposes under Section No . 4 , Act of July 3rd, 1890. ?r {o n * . N%SWVi. NW>4 SE>4, SEHSEVi Section 32, Township 6 N., Range 1 E. W%SW%, Section 33, Township 6 vr 1 E. Copies thereof by descriptive sub divis f ons have been posted in this of fl for inspection by any person and the public generally. within the next sixty days from the »< «» fi "* i "" of ' m protests or contests, agmst the claim of the State to the tracts, or sub-div isions herein described, on the ground that s ,a™6 is VALUABLE FOR MINERAL than for other pur poses, will be received and noted for tlle G®^ eral Land Office at " nrnr«.* th« r allure to protest, or contest the c i a j m 0 f the State within the time specified, will be considered sufficient evidence of its non-mineral character, and the selection being otherwise free from obligation, will be recom mended for approval. BARTLETT SINCLAIR, Register . F. B. KINYON, Receiver. First publication Aug. 3, 1922. Last publication Aug. 31, 1922. NOTICE OF SALE OF UNCLAIMED AND REFUSED FREIGHT Notice is hereby given that on Au gust 12, 1922^ commencing at 10 a. m. o'clock of said date, the undersigned will sell at public auction at the O. S. L. R.R. freight depot situated at Em mett, Idaho, to the highest bidder for cash, and in accordance with tho Statutes of the State of Idaho, to liq uidate accrued storage ar.d advertis ing charges, the following described property to-wit: Two large stationery boilers. Con signor and consignee unknown. OREGON SHORT LINE RAILROAD COMPANY. V Per L. B. FRYE, Agent. Serial 021953—Orig. Serial 024597—Addl. Notice for Publication. Department of the Interior, U. S. Land office at Boise, Idaho, July 18, 1922. Notice is hereby given that George M. Clevenger, of Horseshoe Bend, who on June 21, 1917, made Homestead Entry No. 021953, for NE 14 NW 1 *», Lots 1 and 2, Sec. 27; SEHNE 14, Sec. 28; T. 8 N. R. 3 E., and on Feb. ''0, 1920, made Addl. Enlarged Hd. Entry No. 024597, Act June 17, 1910, for SEHSWH, Sec. 22; SWH NEH, SEHNWH, and NEHSWH, Sec. 27, T. 8 N. R. 3 E., B. M. has filed notice of intention to make three-year Proof to establish claim to the land above described, before Register and Receiv at the U. S. Land Office, at Boise, Idaho, on the 28th day of August, 1922. Claimant names as witnesses: Frank N. Prout, Harry M. Mcln Andrew C r tire, Julius Anson, and Thompson, all of Horseshoe Bend, Idaho. BARTLETT SINCLAIR, Register.