Oakland Tribune from Oakland, California • Page 42

42 SUNDAY MORNING. OAKLAND TRIBUNE OCTOBER 1011. IT3 1M THE TRIBUNE herewith pre- 6us uic uiMt ucsi uargain trial the following real estate men have to offer today, all of which are good i ran I Jl THE BEST BUY Is Our New Tract A 1e Height Pwncor EJomoSito On Fruiivclo Avcnuo 7---'S House of 18 large rooms, hardwood floors; heated by. hot water radiators, bathrooms, lavatories 'with hot and cold water In several the- bedrooms, 6 toilets on the outbuildings and servant: apartments; lot 187x363; nice lawns and barn and garagcy Homo Investment Go. 1922 PRtfrrVALE AVU, COR.

BLVD. Our BeatBuy; I. For sale 160-acre ranch near Point Arena; Improved; 31800 cash, 40-acre ranch, with farm Implements, 2 miles from Mendocino; 38250. -46 acres banner' apple orchard, Wat yielding: 1 4,000 boxes' annually: terms. 10-acre apple land tracts, Mendocino; 3600; 1S cash, balance $15 California flpplo Land Co.

101 Telegraph Oakland. IlilifiK A BUS HOMESTEAT BTJY1 Hi HAEM BELT. XtA. ever- 118x20; a onlilwd avemist hv eluding eawera, faa, water, electricity, eemaot walks, ate; torely location; tlna home, schools sod otter i minutes to Broadway. SotT rich team, la btgb atate of cultivation.

Including fruit trees, berries, ehrabbery. oranga and lemoa traea; atrietly modern taoma; otfeer lmproTmenti price was reduced- for Immediate sale, ss awner goas to Waabtngton, to 37850; wa can arransa to loss 390O0 to por-ehaaer. Grand city farm homaatead. Alfalfa, Jersa sow. pony and cart.

pcattry. ate. Owner Baa refoaed $TO0O. Uolcomb Really Inc. SOS San.

Pablo Avehue. THE FUTUItB x-: PlttrVnrg of tho West. ii ACPE ViOA SITES and Ilancti lronertrl. FOR PARTICULARS APPLT F.D.DorpcompQng 63 Broadway, Oakland. CaL HaeylVact ilf You Are.

Paying $23 Per Month: Rent can at our office, or ring? us trp and let us explain how yon can purchase borne by paying two month' rent advance. FRANK MOTTCO. 1060 BROADWAY. Phone Oakland 147, A-2937. Elmhurst 70.

WIXX HNANCfi. AND a home. rojz. you. youz.

choice, or- jlots. ixans AMP TEEMS. Sail TE 22 BACON BLDGt SNA! $S00 invested for 5 months will tnak $650 profit. Lake Shore Boulevard lot," overlooking park and lake; on car Ime; 8 minutes to 14th and Broadway. Phone or see us at once.

Owner leaving California. McHENRY KAISER "1205 Broadway, Central Bank OAKLAND. LOCAL BANK CLE ARINGS CONTINUOUS ACTIVITY BUILDING OPERATIONS of an' roiSAL know as 1728 Fruitvalo Two blocks north of XIast Fourteenth Sale on Premises SATURDAY, OCTOBER Si, atlFi Jtt. Open for Inspection dally from is 5 P.M. J.

A. MTJXRO A CX), Anctioneera j.rr I Full Set of Scale Working Flans. BataHa sad Speoif ioatioss $25 Eitkar Tow Zdaaa Cost of XIouso Gurantecd. HOMECRAFT STUDIO 1003J, Broadway, room 14 1 phone Con. JF1VE lOTS III Hit lltLLUUU riiUrcliTI Bordering the University 25 PER CET SHOWN FROM LASTYEAR (Continued From Page 41) Apartment House, Site 11th St near West Iot TSxIOO; old honeo of room Pri ce3 S792 2 5 Eas J.

H. HcDdnald Go. 1257 Broadway Chicken Ranches One block from car line. 2 0 minutes from Broadway -One-third, One-half and Acre lots for only the price of a city lot. Easy terms.

W.G DAVIS CO. 2534 Edson corner of Hopkins street, Oakland, at jend of Iiese 'Ave. car line. AIOS DEVELOPMENT Co-operation Spirit That Means Substantial Benefit for the State at Large. (By GEO.

W. AUSTIN.) "The California "Realty Federation Is a potential force In the state's development. It is composed of aggressive, en-erprtslng men who are realty owners and agents. When they confer together as a federation to promote and advance their business Interests, they contribute substantially to the movement which, has for Its object the building up of the 'state by the drawing In of new settlers and the development of- the state's great natural resources, and the expansion of diversified business. For it Is only by doing this that the enterprise of the realty man has reward.

and his ambition and hope have their and fruition, Such a convention as was that held by the State Realty Federation In Ban Francisco last week Is a very useful advertisement to and of our state. This convention having been held at the metropolis, of which Oakland la a part in sympathy and spirit, must be accounted as beneficial to our city second only to San Francisco. The federation Is composed of' broad-minded, genial men, who, though competitors, yet are generously Imbued with the co-ooerative spirit. Resultant, we have an organization, distinguished for nothing so much as an earnest pulling to gether. "This ttself -points imoral which Oakland real estate men, generally speaking, should not The San Francisco association, whose guests were the other members of the state federation, did Itself proud In Its hospitable entertalnmenL And so earnest and harmonious -were, "all, the deliberations of the convention much bene fit will accrue to the state from mm ad- REALTY FEDERATION sr Grounds.

i'. $2000 Each. Cash. One-Fourth V- Afimeflv 1 and 5-Acre Farms. $350 to $450 Per Acre.

Level LanL Fine Soil. 1 EASY TERMS, Baldwin Real Estate Co. 223 Bacon Building, Oakland, Cal. building bakery) -'TKruth side Twenty-seventh street, 8 feet west of Grove; $9400. E.

Adams, alterations and repairs, 630 Telegraph avenue; $200. M. McQuanle. 1 -story -room dwelling, south side Sunny Slope I avenue, 190 feet west of Grand avenue; A. Anderson, tank frame, north side Fifty-ninth street, 110 feet west of Her-aog street; $60.

Giovanni A CIsL addition. 6125 Diamond street; $225. A. Manuel, tank frame, Twenty-sixth avenue and S. P.

R. 100 feet from Eleventh; $150. M. C. Otis, alterations, 487 Forty-fifth street; $65.

D. Trombetta, addition, southeast corner Forty-fifth and Grove -street; $250. Schnebley, Hawatrauser A Fed grift, felt and gravel roof, $15-17-19 Ninth street; $218. Carlo Glacone, 1-story 3 -room dwelling, Elmhurst, side Eighty-eighth avenue, 100 feet north of $150. W.

S. Waldo, 1-story 4 -room bungalow, 4028 Twelfth street; $60Q. J. Blschoff, 1-story 7-room bun-galpw, southwest corner Bay View and Macmlllan; $2500. G.

E. Davis, 1-story 8-room dwelling, Frultvale, west- side Rosedale, 200 feet south of Carrlngton $1900. Mrs. E. J.

Jones; 2-story 6 -room dwelling, west side Mlra Vista, 90 feet north of Alta Vista; $3626. Miss S. W. Horton, 2-story -room school, southeast corner Perkins and Palm avenues; $12,505. J.

Kenny, 2 -story 2 -room side street, 600 feet east of Telegraph avenue; $175. have felt private selling price Only machines wandered 1 at aaill Ui -r Interest 6 Per Cent. ason-Hcbuff id Co. ''I BEHKELEY. L' ess they have at heart.

Mr. Down-lag's article is as follows: "THE OAKLAND CLEARING HOUSE STATEMENT. WHAT DOES IT 7 MEAN? HOW TO INCREASE? I venture to make the statement that comparatively few Oaklanders realize that, in the city of New York, the great oentral" reserve city of banking, the entire financial district awaits with genuine' Interest and suspense, almost for the weekly announcement, from the New York Clearing- Bouse, of the clearings for each six days' business done by the New York banks, the loan balances, and cash reserves on hand. "That statement epitomizes the oll-lngs of the financial machine for one week, and the comparative gain or loss over the previous week or the same week of the- previous year, and bears a resultant influence upon business transactions and the money market In New Yprk and elsewhere. If the clearings Show a decided increase, and the cash reserves' are well above the 25 per cent legal requirement, the tone of the market, begins to show an improvement, and tm effect is bullish.

make this preface to lend emphasis tthls fact, that the Oakland Clearing House report bears the same relation to the business life of this city as does that the New York Clearing House to New York and it is equally Important to'Tis. There is no basic difference. New York is simply bigger. GREATER AWAKENING. weekly clearing house report is the index of earned commercial transactions of Oakland.

It tells of the volume of trade, of the credit that has changed hands. But It does not tell accurately, and it cannot today tell accurately, the total volume of business done in Oakland for one week, until there base come a greater awakening among our people to the- real meaning oT' the clearing house statement, and a sllll greater appreciation of that keystone virtue of civic righteousness which is summed ap" In the slogan," Patronise Home Industry," for In that cry lies the possibility of a weekly clearing house statement which will show such vastly increased percentage as will attract, in all the prominent money centers of the United States, interest and attention In Oakland, Its prosperity and development. CLEARINGS EXPLAINED. 'What are the clearings? Following the receipt and distribution 'of a morning's mall among the eight clearing house banks of Oakland, the clearings are made up and proven. The clearings consist of the checks on other Oakland banks received for deposit or cashed, by' each bank, the previous day, and the remittances from San Francisco and country corespondents, and' collections received by mail.

They are segregated by. banks, sealed In envelopes, with the total amount of checks enclosed related On the outside of the envelopes, and the clearing house clerks depart for the clearing house, where they assemble at a. m. The Is there made, an. Interesting; operation to observe, the clearings proved, and each clerk leaves with seven bundles of checks-drawn on his bank, and a statement showing a debit balance due his bank or the clearing house, as the case may be, representing the difference -between the total amount ef checks taken to the clearing house, and' the total received.

SetUe-ments are made at the clearing house between 11:80 and 12 on the same day. When the manager the clearing house makes up his dally statement. If will show that the banks of Oakland on NeweU-Hendricks, Inc. 2037 Shattuck Ave. -Berkeley We will' furnish a Jot of your own choice and build you home after your own ideas and let you pay for it like rent SEE US NOW THE REALTY SYNDICATE 1218 BROADWAY, OAKLAND.

have settled their daily debits and credits with each other to an extent averaging In the aggregate between $400,000 and 800,000. That, In effect, represents the volume of credits and money exchanged for one day' business In Oakland, and it does not accurately represent the total volume. Here are the reasons, the why and the wherefore. DISCREPANCY EXPLAINED. is still overshadowed, financially, by its neighbor across the bay.

San Francisco Is a reserve city for national banks, designated by the Secretary of the Treasury. Country banks and bankers on the Pacific coast nearly all keep accounts and substantial balances with San Francisco correspondents. They are entitled to clear a certain portion of such deposits as a part of their Own legal cash reserve. These San Francisco correspondents clear items, 1. checks, on certain points, free, and on they charge a small exchange free.

A bank In Redding might receive many checks on Oak land in a day or a week, but those checks are not sent directly to Oakland, to participate in the Oakland clearings, but are sent to the San Francisco correspondent of the Redding bank. They go to swell the forty-odd millions of weekly clearings of San Francisco, and, to carry the point out to Its logical conclusion, at the expense of the Oakland clearing house report. Let it be here said to the credit of the Oakland banks that theyhave been displaying, In recent years, an aggressive spirit in the soliciting of country accounts that has materially increased the balance of trade flowing through local financial channels. LOCAL JOBBERS FORGET OAKLAND. "Again, many San Francisco wholesalers, jobbers and commission houses conduct profitable branch establishments in -Oakland, and collect many a pretty check from Oakland retailers that are not deposited, first, in an Oakland bank, but likewise enter San Francisco banks for deposit, and, before coming to Oakland, add to the gross San Francisco clearings.

"The third and strongest Illustration of San Francisco's gain at Oakland's expense is in the amount of trading, purchasing and shopping transacted by Oakland firms, men and women, in San Francisco and paid for by checks on Oakland, banks. That is where the patronizing home-Industry spirit will help the Oakland bank clearings. With a united effort and desire upon the part of our people to follow In actual everyday practice that will come an increased gain in the weekly clearing house report and the meaning of such gain is increased business and prosperity for Oakland. MILLIONS DIVERTED TO FRISCO. "The amount In dollars of clearings diverted to the credit of the San Francisco clearing house by reason of conditions explained In this 'paragraph Is $5,000,000 per month.

The most hopeful sign of the times that I see is that our shoppers' are realising that they cannot buy to better advantage in San Francisco. There is' a very large number of Commuters, living In Oakland and its environs, who saend In Oakland for living and household -expenses, anywhere from $100 to $1000 per month, and more, and their bills by checks on San Francisco banks, claiming that it ts more convenient for them to cpenr and maintain their accounts with San Francisco banks, where they spend their business hours. It is easy to compute the prob-ablle amount of money Involved in a s. tenant, best district on Third streetJ to Suit your requirements and'' 'j Will build to suit, stores or-' Oal il a Oal Arlmgt MAKE JUMP I i I i i Oakland's most beautiful jvertisement thus made, and Oakland wm Daitery 1 come in for her share with her bIgiiBtory office 1 sister, whose big realty men were, the 1 residence place is today at an average Are You Looking for a home or a good Investment? Ton can find It at Tveywood. City of Oakland.

Five dollars per month will do it. Lots running tn price from $39S to 3650. Sewers, water mains, concrete curbs, concrete-rutter. macadamized streets, cement sidewalks, all Included, for this price. minutes to the heart of Oakland, thirty -six minutes to San Fran- B.

MAGNESSON, Agent, 101st Ave.r Eaart Fourteenth St Oakland. avenue; $160. Ideal Building 1-story f-roora dwelling, east side Boyd. S60 feet north of Hudson street; $2000. W.

Dohrman, alteration and addition, corner Fifty-first and Manila avenues; $160. P. E. Woodbtirn, 1 -story 8 -room dweUing. south side Keith avenue, ISO feet north of F.

E. Ferguson addition, 1134 Chast-nut street; $200. C. 1-story X-room garage, northwest corner' Oakland and Moss avenues; $310, A. Connltt, 2-story 8-room dwelling, 2551 Harrison street; $2600.

Dr. L. I Lam bard alterations, 14SJ Eighth avenue; $300. Mrs. B.

Alexander, addition; Elmhurst, north side Eaet Fourteenth street. 800 feet east of Ninety-second avenue; $500. Mrs. O'Neill, reshingllng. 1930 Filbert street; $60.

E. S. Kllpping, 2-story 11 -room flats, south side Twenty-fifth street, 887. feet west of Broadway; $2600. i M.

F. Mlnney. agL, asphalt roof, southwest corner Seventh and Webster streets; $126. 11. A.

Maklnsona alteration and addition, 190 Forty-first $300. Mrs. Thompson, 2 -story shack, north side street, 76 feet west of Elghty-fifth avenue; $60. Pacifio' States 1-story 1-room factory, northeast corner Frultvale avenue and Stewart street; $500. W.

S. Palmer, alterations, 1351 Madison street; $200. Campbell, alterations, west side College avenue, 361 feet north of Bryant avenue; $50. J. Powell, 2-story 6 -room dwelling, south side Baker street, 130 feet south of Sixty-third street; $1400.

Fuller Todd Realty 1 -story 7-room dwelling, Elmhurst, east side Seventy-ninth avenue, 1 328 feet north of East Fourteenth street; $2800. E. Jannsen, 1-story 7-room dwell- 1 lng, north Side Bay 209 feet east of College --------rs Wm. Carronr 1-story, dwelling, 988 '28th street; $300., S. P.

reinforced concrete section- alizlng house; south side Fourteenth street, 86 feet east of Franklin $100. i. California Ice "asphalt and gravel roof, 460 Second street; $52. P. Christensen, 1 -story 6 -room bunv galow, east side Brighton, 320 feet north of East Thirty-eighth street: $2800.

i HersKovite alteration and addition, 1206 Market street; $250. Mrs. L. Hohmes, alteration and addition, 964 Castro street; $100. P.

Fegard, alteration and addition, 8433 oaiisoury; rfuo. Mrs. M. -story 4 -room dwelling, northeast corner Sixteenth and Cypress streetsr $400. i Mrs.

M. alteration and ad-1 dltioni 735 East Thirty-third street; $80. 1 W. F. Brusher, alteration addition.

1132 East Twentieth street; $340. I H. Ahem, alterations. 1538 Brush street: $250. E.

8. Hansen, 1 -story 8-room dwelllna. south side Fifty-first street, 200 feet west Of Grove street: 5600. S. McGee, reshingllng.

1515 Eighth street: $75. J. Mitchell, reshingllng. 1874 Twelfth street; $125. C.

J. Wellltz, reshingllng, Elmhurst. xoou avenue; ioo. Ferris, addition, 1287 Poplar street; $250. F.

Klbbish. 8768 Allendale avenue: $50. T. Courtright. 1 -story 6 -room south side Bay View' avenue, 630 feet east of College avenue;" $2000.

-t H. Bloodsworth, alterations, 6005 Con- i gress; $75. J. L. Rankin, 1-story 3 -room office I east side Claremont avenue.

100 feet'r southwest of College avenue; $125. 1 B. Dexter, 1 -story 6 -room dwelling, west side Colby. 121 feet north of Forrest: $2500. Mann ft Mole, repairs, southwest corner Third and Washington streets; $500.

City of Oakland. repairs, Mosswood Park: $450. Union French Bakery, 2 -story class olive -bil. honey, dried frulta The exhibit of English walnuts is one of the finest to be seen anywhere and the egg plant. bearing eight pieces of fruit, is well worth seeing.

There Is -also a Hubbard squash, weighing 75 pounds one of the largest ever grown. In looking over this splendid exhibit, one la Impressed more-' than ever with the great possibilities of California lands and the fact that the Mount Diablo country lies only fifteen miles back of Oakland and this year will be a suburb of the, bay -cities, on the completion of -the Oakland Antioch." electric railway. The automobile boulevard which is be- lng built up Mount Wrll be one of; the attractions; of the world, a 1 scenic view from the top of this moun- I tain Is surpassed by few points inVthe world, and, lying adjacent -fo the bay cities, offers a-: panoramic view of the great San Francisco Bay and the surrounding country, which will be an added -attraction to grand old San Fran- Not only Is the demand for home sites In Crocker Highlands increasing each day, but there Is also a steady sale' of property In the adjoining tract in the East Piedmont section. Among the sales this week, the Wickham Havens Company reports that of the house at the corner of Walla Vista and Lerlda avenues. The purchaser Is A.

Olesea, manager of the Cort Circuit and the Macdonough Theater, and he will occupy the house at once. Mr. Olesea has- also purchased the lot adjoining. It is reported- that about twenty new homes will be erected In Crocker Highlands within a few months and the types of houses will be such as to stamp this new property as one of the most select residence sections la the bay dties. month's household bills tof several, then sand who pay Cisco checks.

ls morally cer- of $20.50 a front foot. those, of yoti who have driven your over Its beautiful drives, who have all over its beautiful slopes, who lain that the local Institutions snouia i s-. be the depositaries of funds to ibe nsed Total ,...83 $143,939.00 In paying the household accounts of" rest- Mrs. Emma Cords, altering dwelling to dents of this side of the bay. The loss fiats.

Frultvale, 1511 Thirty-fourth ave-to Oakland clearings by this condition $400. i i t. tt T.A,rrin 1-ntorv 5-room cottage, the pleasure that, a visit to such a The showing of permits for the construction of building Issued daring the fiscal week ending Wednesday last Is a grateful one. While there" were only four and a half working days in the week, the total, value of the permits issued Was $143,939. The office of the bureau of permits was closed on the 12th lnst.

because of the celebration, of DIscr fry Day and no 'permits were Jssued.Half Of 'Saturday Is also a holiday and. during that part of the day; the permit office is also closed. Regardless of these facts, however; there was an Increase of, practically; $50,000 over the showing for the preceding week. In the past week, there was also an Increase in the number of buildings over that of the previous week. These facts are continued evidence of advancement.

In the local structural world. They are all the more gratifying for. the reason' that they are taking place so late In the season, because they Indicate the continuance of a plentiful supply of money as also of one of the most prosperous eras of activity that Oakland has ever known. VARIETY OF STRUCTURES. Many of the structures are' of an ornate and durable -character and run gamut of designs for the accommodation of the people and the carrying on of Industrial activity.

One of the items, is for a two-story brick and concrete bakery for the Union French Rakery on Twenty-seventh street near Grove, which Is to cost nearly ten thousand dollars. Besides, there are a number of fine residences contemplated together with not a few which are Intended for men of small Incomes and means Altogether, there Is reason for every person to be proud of the showing msde because It Insures, among other things, plenty of work for the laborer as well as the artisan, nntn after the holidays. 1 'i fe- IN DETAIL. if "A The showing Is as follows No. of Class, of Buildings.

Permits. Cost. 1 story dwellings 1 -story dwellings 2- story dwellings 2-story flats 17 7 4 1 $23,410.00 20,350.00 9,626.00 1 2,600.00 12,605.00 9,400.00 125.00 200.00 436.00 176.00 100.00 2 -story school house I 2-story brick and concrete TanKi irames renalrs VT Zr: soutn sidlT Forty-fourth street, 250 feet i of GrOTe Btket; iisoO. J. 1-story 6 -room cottage, Elmhurst.1 west side Elmhurst avenue.

100 re soutn oi Jt'STft cottage, V. AA fiApth -boHievardr $1000. Mrs. A. alterations and re- SIS Adeline street: $100.

Hopper, addition. ave- 0n- 688 t.SnVr! 1-sto garage, west aVenue, 135 feet east of orchard; $126. M. E. Jenkins, 483 Thirty- sixth street; $460.

O. G. Engesbrum, addition, 2S24 Llese An aearresslve selling campaign affect ing property, along the route and at the terminus of the Oakland' Antioch rail way. Is being planned by Sales Manager V. KUng of The Realty Syndicate, The company is now extending its rails out jShafter avenue -tod are weU along east of College avenue.

"About thirty lots on Fortieth street, between Telegraph avenue and Opal street, will be materially enhanced in value by the operation of the road and the establishment Its terminus and transfer point at Fortieth and Shafter in my said SManager K'Ing yesterday. "Fortieth street i will 4 rapidly -rtwr "tret and ihntnntlal In- crease In value by July 1 next.when trains of the Oakland Antioch will be in operation. Contrary' to general belief, prices of The Realty Syndicate's property In this idistrict have not been advanced in price sintfe the" appraisal of 1909." if anyone doubts the fertility, of the beautiful V' valleys of the Mpunt Diablo tcountryfci Cpntra Costa county, he should ee the exhibit of nuts, fruits and veg-. tus, corn. Egyptian corn.

Casava Musk- lP A.monq the 7. 1 canno, oe EXTEND CH ECKING SYSTEM. "I have pointed out where the. saving vni.im nt hiisinoaa doiii In Oakland can be accomplished; and that which is rightfully our cwn re- place can give, will realize the tremendous force of that, statement regarding RockRldge. The average lot in Rock Ridge Is seUlng today at $20.60 a front foot.

Fully $10 a foot lower than prices now prevailing in shanty town and the poorest sections of Oakland. Not the poorest mind you at $30.10 but. the avcrat lotl Property In Rock ltldge with the magnificent outlook of the best and finest of the East Bay foothills. uuneo. inn nowuu auo Qj glXtV-flfth Street; $2000.

strikes deeper. A further extension ot Schmidt, 2 -story 6 -room dwell -the checking system can immeasurably ast aide Fourteenth avenue, 761 feet Increase the- weekly report from the north of Twenty-fourth street $2000. Oakland clearing This Is. in ef- Sisters of Mercy, alterations, Fruityale. feet.

an. appeal to. have' com- i corner Thirty-fourth avenue and Foot-mercial bank accounts pay blU. by jonV and re, check wherever possible It-awells the pairs, Thlrtyifourth venue and Foothill mm In a jrarden srot where Si 20,000 worth in of building has hfimp. An average building cost of $9,200 a where board fences can not Intrude.

Where the lots are all big lots and -can not be subdivided. Where the building- cost ranges from $3,500 to. Brokers i 1 000! 1 clearings -It is an appeal 10 mose wno have nq checking accounts to ppenbank accounts wlth. the 5 commercial-: depart- iraents of our banks, pay theirllving ex- jpenses-by check rather than In coin and -swell the clearlnga It is a- second appeal, following the previous paragraph. to those of our citizens, who keep their accounts in Ban erancisco pan us, io predate ine point inai iney owe tw.

their home city to do their banking, busl-. ness here." The plea, of an established credit with San Francisco bank Is jiot entirely legitimate. The Oakland bank- ers invite the' accounts of ln- divlduals and will help any deserving customer to establish a line of BANK ACCOUNT MEANS STRENGTH. tne maryexous extension oi ine checking system; In recent there tin, onmA -th mAAmA vhIua ett the record. tha noolrlceerjlnsr rained and maintained through the transfer of credit by 'means of checks or drafts 'on banking lnstitu- I tlons.

means system effl- clency. The small business man, the clerk, the laborer, et- have learned tliat a bank account produces a feeling of firmer financial strength, and pro- motes economy. housewife A has learned more of domestic economy through "the possession of regular banking account for rand i sonal and. 4an' in- creased ability -to manage the household affairs with accuracy -economy makine a bank -account ami a. checkbook a All of 4Vin.t 'has had Its result tn Increasing the and.

the field of possible Ue- posltors Is still large. "The hanks of this city are In splen- did condition, conservatively managed. iand; growing, with the fccity -They have er $50,000,000 of banking power, and are fighting Jc gain and retain the: busl- 1 ness which They are public-spirited and the-weekly bulle- tin from '-the. housa tella, the 1 -j-: Property with the finest in Northern California. And on the ground' today! i Property selllrig at the unbelievable' averse pries of $20.50 a foot.

In a traet with gas, electric lights, telephone service, water, sewers; with cement sidewalks, cement curbs, cement gutters, oiled macadam roadways, and every other convenience that the most modern development plan could call fori There on tho ground today! G-0 ay a Swei Si; ifie for an Apacfmeht iKlous si CiS" St reet will sell reasonable, and on EASY 'TERMS, or. build for: been invested in thirteen house. Xn a prlvate residence place Estate Company BROADWAY. I Home Z2Z3 Snch a' place and within fifty days from today In-direct communication with San Francisco over tho akhvnd-Antioch railroad A station at the very doorl That's the kind of property absolutely the rnost beautiful residence property possible to conceive out of doors- that you can buy thi afternoon in Rock Ridge at an average price of $20.50 a foot. Take the College avenue car today to Lavvton Then one long block east to li road way.

You're at Rock Ridge! 4 i 1 responsible We have a 35xl00-foot lot in" Will erect a building on same give long time lease. On Thirteenth" street, near. 2 a yay relative mierea or asatny -i tne public etablea in the R) N. Burgess Company's tn that fight to gain and to retain, the Market street -San Fran-volume of" trade and exchange of credit, icisco. This exhibit Is truly wonderful, which rightfully belongs to; Oakland.

when 'one 'takes Into consideration the When all the citizens realise that -they fact that everything was grown without are helping themselves In making all de- Irrigation, and this can be done In very posits of funds In Oakland banka and few sections of California." seeing to-It that their checks are used The exhibit contains walnuts, almonds, and deposited in local -banks, then will "chestnuts, pomegranates lemons, pears, appear weekly clearing" house reports oranges, apples, grapes, prunes, quinces, which will tell accurately the volume of eggplant, olives. Burbank spineless cac- Lay ma nee Real 1214-1215 Phone Oakland 322 trade and In the comparative rec- ora or increased clearings uaaxana wiu celery, asparagus, peppers, eu-lead- every city on the Pacific Coast cusaber. beets, pumpkins, tobacco. Lip-steadily." 1 pia grass, gourds, cider, grape.