THE HUTCHINSON NEWS HUTCHINSON, KANSAS, SATURDAY, JULY 14. 192.5 .SECOND SECTION The Secret of Why Some Men Obtain Credit and Others Fail Various Meaning* Applied to Credit—The Way Character Begets Confidence and Opens the Way to Trust—Thrift and Honesty Basis of Banking. The secrot of why some men can roadlly^obtaln credit, while others are unable to borrow a cent, is disclosed in the prosent arlolo prepared by the Qomralttee on PubrIc Education of the American Bankers Association. It tails an Interesting story ot how ft jnan of forty, of good roptttatton and isir success, Was nonplussed by his Inability to borrow and. had to paas VP a good opportunity. t Banks are satd to deal in credit. The word "credit" has various meanings. When you depoBit money, your account recurves "credit" tor that amount. When a man borrows money on bis note at the bank, ho is granted "credit." When a railroad, a manufacturing concern, a town, or a government, 1RSUO_S bonda, it uses Its "credit." When anyone buys goods without paying cash, at the time of purchase, "credit" Is granted. Without credit, our present day business try-atom could not exist. Credit Is iv>s«rlblo only where people have confldonco in each other, and confidence can exist only where good character exists. Every successful business man looks upon his credit standing us a most valuable asset, and he maintains it by square dealing. To get credit a man must pay his debts, or It soon becomes known he 1H not ot good oharactcr and not worthy of confidence. Those-from whom-he would buy refuse to trust Kim an dtho banks -declino to grant him credit. Then come business failure and a long uphill tight to got on hl-3 feet again ami live down the past. More Than d-lonesty Needed. .Honesty ts not the only factor ln- Tolved in credit. For Instance, Mr. Jones, a man of forty, of oxcellent morals, who has enjoyed a fair Income for many years, sees an opportunity to purchase a business. Ha requires financial assistance He' calls on a banker and asks fdr the neces- eary credit. The banker aBks the na . ture of the business, what It will cost, and what Mr. Jones can command In ready money, or other resources, but learns Uiat h© has no money or property ot lite own. It is clear that Mr. Jones lacks ability to manage his affairs wisely. Ho has not - had enough strength ot character to save money by adapting expenses to Inooino, and -therefore has not proved that he, could make financial progress. Moreover, If men do not Invftst some of their own money " in, the business they usually hick incentive and become easily discouraged. It would he unwise" for anyone to assume such a financial risk, and Mr. Jones probably would fall to got credit from the bank. He must givo up hlB opportunity to somo one else who has saved money. Service Not Compulsory. Banks are public servants, but that does not obligafo them to servo those _who aro unfair In business or lacking in the great principles underlying success. To be known as a vareful and thrifty person Is the best assurance that the bank will extend fluan- clal help when needed. Many people think that one should shun debt like the measles. They fall to distinguish between wise and unwise debt. It -Is wise to use credit, that Is, go Into debt, to buy a home, 6uch dobt encourages thrift. A stu- ON THE ALASKAN TKA1L WITH HARDING—NO. 5 Rich Oil Finds Ar« Handicapped by l.n tl i of Adequate Transportation Facilities. dent may wteely borrow money needed to complete his education. It ts an investment that should pay dividends in irrsater success. Another wise use of credit h> Ijorrowlng to buy good bonds, such as Liberty Bonds, paying $20 down, borrowing ISO froin the bank, and paying It off out of savings.' . - , When to Shun Debt. There are circumstances, however, under which one should never borrow • money. Nover Incur a debt in a speculative, venture. Of the peoplo who speculate, nln'oty-flve per cent lose. Neither should debts' be Incurred to purchase pleasure-giving possessions. Such debts are millstones around the nocks of countloss families. Progressive banks adhere to the samo standards they exact of their patrons. Their business methods must be beyond'reproach. They exclude business of doubtful reputation and have no part in the feverish struggle for sudden wealth. Well-managed banks aro regarded with great respect, and hold a place ot over Increasing importance. '' Some thoughtless persons criticlio banks for not making loans more freely but it-must ,bo remembered that a bank's business is to receive deposits as woll as to grant loans, and it Is therefore the trustee of money belonging to others. It must safeguard Its depositors' funds and BO control them as t» be always ready to return them intact upon demand. That requires g-reat care In granting credits. JOHN BIRCHF1ED TO TAKE THE FISH ORDERS He Will Supply the Fish That Were Expected of Edd Haas in Colorado. Brave Hardships and Peril To Take Gospel to Indians Mr. and Mrs. Orley Ford Home on Furlough From Long Time Spent in Ecuador—Red Men Treated Like Animals and Are Uniformly Ignorant. "-Vust before Ed Haas left for Colorado," John Blrchtiold of tho Zinn Jewelry company said today, - "ho asked mo to fill his fish orders. Edd told me he had Orders for a largo amount ot fish but that he had learned Just before leaving, that. It might he impossible lo spare tho time necessary to take care of tho needs of Hutchinson people. " 'Can't you look after this for me7' he.asked mo. "I told him I could and I am planning to go forth early some morning soon, possibly to tho Ninescah, and with my trusty pole and line take out a BdTficioiit supply of fish to fill all ot the orders Edd had on his book when he loft. It won't tako me long I oxpect to catch somo of the largest fish there are. Iknow just how to do It I caught tho biggest fish—" But lust then a Grotto committee stopped In to -buy a $100 golrTwabch to give as a souvenir for tho circus and he didn't finish his sentence. Woman Is Secretary. New York: Mrs. Frances B. Larkrln Is secretary-treasurer of the Olean, N. Y. Ileal Estate Board. SHE'S LIKE A MEDICINE VENDOR * * * * * * * *. * * Prescribes Swimming Fcrr All Ills DON'TS FOR SWIMMERS DON'T swim on a full stomach. Walt until at least two hours after eating. DON'T go swimming If ovor- heated or overtired. DON'T continue swimming when exhausted. Rest on your back and then swim aahoro. DON'T swim if you have heart trouble. DON'T dive without accurate knowlodgo of the depth ot tho water. DON'T struggle If caught In a swift current or undertow; keep cool. The force of tho current will bring you to tho surface. Then work to shoro. ABE MARTIN On Rapid Transit and Longevity TH' ONLY FELLER WB KNOW THATO MAIKIN' ANY EFFORT T' CUT AfLONQ WITHOUT A CAK m "Well, sir, this la an ago o' fast traveliu'," said Tell Blnkloy, t'day. "Space, roads, or th' weather, don't -mean nothlu' no--more If we git th' notion in our head wo want t' go up t' IndynopluH t' seo a ball game, or out'f Monteroy, Calltorny tor supper. We used t' look at our watches an' say." 'We don't bollove wo kin make It,' but t'day It's only a Question o' gasoline. Why wo kin git up In th' morniii' an' dress an' worry down an ogg, an' swim over th' paper, ,an' hop In ii car an' wherever we're golu' we alius git ther' too soon. Th' question lias been raised as t' whether or not this hurryln' hain't shortenln' Ufa , 1W0 oat too fast an' ride too fast, an' i some of us look like we'd dressed too j:Jaat. Work , an' pa/in"" Mils aro th' ' ^only two things wo do' leisurely: ,-*ny '"tjsWte.'- Th,'- thhrga that aro Wsarin* on vitality, th' things that aro agln'i an' decayln',' aro th' things we do In pursuit o' food, pleasure an' excitement. We kin remember forty years ago th' average expectation o' life wuz about seventy-five years, but t'day we're tickled t' death If wo fit across th' street,!' say nothin' o' giUln''ome agin after a little Sunday spin o' three or tour hundred miles.- But all this craze for speed has taught us t' be cautious an'.foot sure. Ther wu« a time when we got run down by drays, an' It It wuz no uncommon thing fer a runaway horse t' wreck both sides o' th' stroot fer six hlooka, finally leaviri" th' buggy tangled up In a tree. Auto drivers may drive too fast, but It it wusm' fer auto drivers thor'd be forty people killed over' day, tor most pedestrians have yet t' learn enough t' look both w8/».. Why they pick oat one direction t| look «n" stlpk to H 1» more'n we kin" comprehend.' An" lay What reason do they arrive at th' conclusion that because thor hain't no Ford comln' from th' west ther won't bo none comln' from th' east? But we hain't worryln' about th' pedestrians fer they'll all own cars In a year or two on' then th' agony '11 bo over. Right t'day In th' United States ther's 3,600 men an' women who have passed th' 100-mark, hut they'd already got a good start before autoln' an' flyln' an' eatin' quick wuz thought of, We believe there's soinethln' about bsln' a Democrat that works hand an' glove with longevity. Ws don't know what It Is. DemooratB Beem V own cars, an' lots o' thera are pedestrians, an' many o' them have caught th' spirit o' fast eatin', but we meet so many ole Democrats, an' It's an undisputed fact they have th' longest an' whitest whiskers." ., (Copyright National Mewspsper Service^. • " - 1 ' DON'T v.-iulo into water with the arms above the head. You will not bo ready to stroke, If you step -Into a hole. DON'T lean backward when wading in "water. Always bo ready to fall forward. DON'T fight or struggle to swim, if you swallow-water. Clear the windpipe of water first. DON'01 get excited. DON'T fail to learn Rod Cross life saving and resuscitation methods. DON'T cry (or help In fun. You— msv some time need help and not get It. DON'T go in swimming alono. The Stevens Swimming Pools which are the largest and best In the state are very popular these, warm day3, and every day, throngs of pooplo from tho country and surrounding towns as well as Hutchlnsan people gather thero through out the day to "cool off" with a swim. An added attraction out there Is the very competent professional swimmer, M'IBS Mickey Horseman who Is giving lesBons in swimming and diving practically every minute of tho day to ambitious little folks aud their eldors. This Is Miss 'Horseman's second summer In Hutchinson and during tho winter she teaches In Wichita. Cures All Ills. Miss Horseman urges swimming as a panacea for ills like the old patent \ medicine vendor used to recommend I his miracle liquid for everything from corns to concer. In one instance ot a Hutchinson woman who was suffering with asthma and a paralyzed arm, Miss Horseman proscribed swimming, when several physicians had tried many different cures with no avail, and now tho arm Is bolng used and tho young woman is gaining weight right along. The "patient" started with her lessons last summer with Miss -Horseman, and during tho win- tor went to Wichita once a week and continued with her lessons In the Y. W. C. A. pool there. Miss Horseman spends her winters at hor homo In Wichita, and gives instruction at the Y. W. O. A. pool. Miss Horseman advocates v swlm- ming for Jumping nerves. Once while she was teaching in Wichita, one little girl who had Infnntllo paralysis was -brought to the pool in a wheel chair for her first lesson In swimming. Soon tho child was a-blo to walk with crutches and now alio walks and runs as any other normal child. Anyone, familiar •with the pictures and life story of Annette Kollerman, the wonderful swimmer of the movies, will remember that she was cured of tho same trouble by Bwimming. She's a Regular M. D. Fully as important to tho normal peraou as swimming 1B tho ability to save life. The teaching of resuscitation Is a pot hobby of Miss Horseman, also life saving. Miss Horseman Is a Wichita young woman and five years ago, she took up swimming •with tho idea ot teaching. Hho learned tho art within a year, and took tho examination for American Eed Cross Life Buying at tijs imd of-that time, .passing .it. She has two class- tree of charge. Last year, she passed the examination as Red Cross Life Saving Examiner which gives her the ! riKht to tench it. She has also had I hospital training aud is able to give [examinations of the heart and lungB, before teacfting a-, person to swim. No ! other physical examination is required at the pools here. Captain Law ot tho -Ued Cross- Life Saving headquarters at St- Louis, Mo., will be here some time this summer and will givo a demonstration ut the pools twice a day for several days. Tills subject lias beeomo of moro im portance each year, and this summer a campaign "Every swimmer a life saverMs being hold throughout tho country. Miss Horseman la looking forward to this visit of Captain l-aw and said yesterday that ahe, Celt It would ho a great tiling for Hutchinson and her people. She's Also a Dancer, Miss Horseman's talents aro not confined to swimming. During the winter, Hho visits Hutchinson once or twice a week giving Interpretative dancing In tho W. O. W. hall. She teaches the Dennishawn method, and is continuing with the lessons this summer at the Stovens Pavilion. Miss Horseman Is' a "physical culturlst" from the word "go", and shn also thinks that dancing Is u wonderful cure for Ills and a builder of health. She Is a living example of her theories and is a healthy tan, and has well developed muscles in legs and arms. itlght in tu.u heart of Ecuador, one of the South Aniorlcau countries, aro 1,0IH),OO0 Indians who have no school privileges and aro held In tho darkness of superstition and degradation, according to Mr. and Mrs. Orley Ford, who are coming to visit Mrs. Ford's sist-ir Mies Naomi Shafer of Hutchinson, alter having spent two years among tho Quichuus aud four among the incaa of Peru as missionaries. TIjey ore now at tho homo of Mr. and Mrs. M. Shafer, Mrs. Ford's parents, fn Norwich, whole a reunion will be hold In their honor tomorrow. MIMS Shafer was among the ten children and 4-0 grandchildren in attendance. First to Ecuador Indians. The fords, who have returned U> the States for a year's furlough, wore sent to South America by tho Seventh- day Advontmt Foreign Mission Board, and tiiey were tin; firct missionaries that ever went In auvunt; the Ecuador Indians. Arriving at a place ."uo miles into tho interior of tin? country with six bullocks and carts, they lived in a hut with mud walls, a straw roof, and the earth as a flour, with the door ns the only opining. In order to get the bullocks into a corral in the rear of the hut ami thus safeguard ilium from thieves, tin y hail to lend the bullocks through their livin-j quarters. They lived In this hut 0110 year before they got a belter house In which to liva. Their firsr night In the hut, they had helplp^-;ty urunkcu Indiana and guinea pigs tc cep them company. Fanatical native priests have stirred up the Indians tn destroy their lives and mission station, many throats have boon nuulo against them, yet they have miutslenu! medical relief to thousands of the red men and worn en, and never before hav^ Ihe Indians found a white man ami WOMIHU tn show such an Interest In llielr physl- cal and moral welfare. Treated Like Animals. "The Indians ot F.cuador are treated like so many wild animals," declared Mr. Ford. "Tlioy live liku cattle. There is a law to protect them but it Is not enforced. They arc abused and given no cncouraneimuit whatever tu improve either mentally, morally, or spiritually. Their miinlx. are In darkness. 1 have nevur ine-t 0110 who could either read or write, and there are 20,000 within a radius, ot five miles of our mission station. Tlioy have no sanitation, uo means or quarantine whon' disease 'ber.lmt to depopulate them, no assistance Is Miven tuward getting them employment, add Uiuy can either live or die. "I am sure that my faiher would not put Ills cattle in tin: houses In which these people live. They have houses the walls of which are made ot mud. ami roofs of straw, anil tho floor is the earth itself. I liavo neell drunken Indians wallow in the, mud like IIOKH wallow In the mire, and when they hav 0 aroused In the mornlux thoir clothing has boen cak.--,l with mud just like a horse Is caked after lying m the mud all nlRht." Their Beer Strong. Mr. Ford says he lias seen them drink "Chiclin" a native beer, and another beverage of 40 per cent alcohol eittl! they wt >re h«lple.-m!y intoxicated, and he has aloe- seen thom eat barley [lour and drink water and then swell who are maddened by ui ,1 minimis ot torturu thut urn driven Into their flesh. "Tho Indians get moro Intoxlealed every time they go to the barrel, ami tho time comes when they cannot run from the bulls. They are then gored to death, ami tho more blood they loflo in this terrible ordeal tho more will tiie onlookers shout. Looked Upon Surgery as Miracle. "Wo gained tho confldonec of the Indians by treating a v\ a-.nan \*.\\,.sti eye hail been sored out. and her faco torn from her forehead to the back ot her head by a maddened -hull. Sho lay with her eye out for 12 ttuurs, ami then I was called to i^iva relief. 1 placed (ho eye back In lhi> socket, af tei- removing some of the bone, !iew ,-d her. and in tho course 'if time H!;O sut well . This news was carried over a radius of one hundred miles, and the Indians felt that a miracle had been performed. "Wo have treato-il as hundred ing the front porch ot our house. They have come ten miles, fifty miles, even 0110 hundred miles. Their leeth are had, their slomiu-hA as had, they have bulls, carbuncles, ami various blood and skin diseases; iv« have frequently used the stomach pump when Uiey have eaten dry barley flour and waeh- ed it down with water; and they tot terribly disfigured ay the result ot the many fights in which they en ,;ai ,'0 with Bricks and stones. Believes There Is Hope. "We are winning our way to their hearts while, giving them relief from physical suffering, and hope lo win some of them to Jesus Christ as their sin-pardoning Savior." Mr. and Mrs. Ford will syievi.l about a year ill America on thoir rurloiuh. ami (hen expect to return lo Ihelr work tn South America. Mr. Ford's brother, Joiin K Ford and his wily, Iwve taken their places while are hero In the Slates. ninny as one a morning without leav- they LOOKING BACKWARD Tak"i v 'om the File, ot The Now* TEXAS UNIVERSITY MAY BECOME RICH company was FORTY YEARS AGO IN 1G33. W. S. Wlioolor, of Haven, wa eaiuHvlate. for county ele-rk. Tho Western Lumber a now- advertiser. Arlington was plniiuiuir. a fair for the month of .September. .lames F. Ueiliiead «ns appointed a inomi.'or of the school board to fill a vacancy. A "tompornrieo mas-! meeting" wafl lining planned for tho M. K. church, A "temperance leetun at the M. K. church. was triven TWENTY YEARS AGO IN 1903. C. L. Christopher made a trip 1.0 CtiHtleton. .1. C. Newman went to Newton. Lr. Leon McOl-astxm was down Irom P.tirrtou. dale Hloom Harper. .lack Holeby was down In Oklahoma territory on business. C,us Bergiiei-nt was delegate of tho Klks lodge lo the grand lodg<; and was rpont tho day in soon to attend tliu meeting in Haiti up until their stomachs would rusom- j more. hie a blacksmith's bellows. "It was to help these poor unfortunate crea- TEN YEARS AGO IN 1913. lures, who know nothing about the Sr i m niy Lumen made two hits laws ot health, and nothing about 111.)! Iw „ ,.,„,„ U1 ft bal] RB)ne Vast Amount of Oil is Found in Some of Its Extensive Property. M In Life ,Sav!hj, j Carpa tub; year, Austin Tex. July 14.—Students and officials of tho University oj Texas who for several years havo dreamed of extensive improvements for the school may have their dream fulfilled by the magic of oil. A $6,000,000 Improvement program has boon outlined for some time. Tho board of regents had taken stops to obtain loans for the improvements, but It was not until a few weeks ago that hope developed for other sources of revenue. It is admlttod by university officials that should a producing oil field be opened on the school's lands In West Texas It probably would bo one of tho richest schooli In the nation, He- ports of a gusher In Reagan county were rondo recently, but It remains for tho field to bo proven. Prospects Favorable. TTnlvoratty officials aro reluctant to express themselves regarding the probable Income of the aehool from the field. On returning from an Inspection of tho Santa Rita well which •has onused much discussion. Dr. .1. A. Udden, head of tile university geology department, declared that prospects the favorable for a producer, although he would not hazard a gudss us to the value of tho field. All pormlta on the university block have been taken up as a result of the Santa Rltu prospects, The state- university holds tit lo to "1 sections of land tn tho Reagan county district. Tho Income front the land under stulo law, Is used for permanent Improvements. Tho statu legislature probably would make pro- Vision for other uses la cats a largo lncohia U derived. plan ot salvation, that w-o wont In' among them, and we havu treated I many thousands ot them, and given ! them relief. "When wo arrived among the Indians lu lilcuailor. the native priest:; urged them to have nothing to do with us. But we gained thoir confuleuie through ministering to the sick. We have extracted bad teeth, patched up broken heads, broken arms, and broken logs, relieved imligesllun and treated thoir skin tllneascs. Bull Fight Every Sunday. "Tho Indians nnver 'anew what a missionary WHS until w-n wont in among them. Thoir customs aro so Insanitary that tlioy full prey to disease. The skin diseases come because of the excessive -use. of nli -oliol. The Ineas In Peru wore -bad enough in their drinking habits, but the Ecuador Indians are ten times worse, "Fvcry Sunday is carnival among the Kcuador Indians. The white men, much to thoir Bhume, arrange bullfights with skilful matados, but they also plan the. program in such a manner ns to look upon It as a tamo affair if an Indian or two are not killed In connection with It. These bullfights are hold In fenced enclosures, aud in the middle of eueh enclosure Is placed a barrel full of "Chlcha", Ladlos aro placed around the barrel, and this is given tree to all Indians who will go in to got It, ami suhjoet themselves to attack from the bulls and played with toe Kagles against Sylvia, lllackborrles $2.40 u eruto. Hod currants were on the market. The thermometer was 104 in the slunlo. Oiling North Main, north of Twelfth, kept the duyt down. Fvarts shou store was selling stioos for $2.GO a pair. WORKERS ADOPT GARDENING • I-lHsen. Oermany. --When tlie Herman workers In the Itnhr, i'olio'.vinir their policy of passive resistance, declined to work for th" Frcte-h and the Holglnns, they turned in Iar~e numbers to market inu-denlne. Sixty thousand railroad employes alone quit woTk. and many of them tinned to field activities. As a result t Lo district is producing a vast hiirvest of vegetables and grain, and a real "buck-to the-ianil" movement hi under way. UNIFORM FARES IN MEXICO Mexico City.--Mexico mion Is to have Ktandard rate., on railroa 1 , fares, applicable throu'thout the country. The cost ot a first class ticket will Im two and one -itimrtor cents. American money, a mile . Second chi-; tickets will be 0110 and one eith ecu's a mile.. THE WORLD'S FINEST COFFEE Dealers Supplied By ' KOPKE BROS. Mercantile Co., Wholesale Grocers r»reat Bend, Kas.
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