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PHONE 67 Tolephoqe 722-M KOON BROS. Proprietors 125 NorthSt. Johns Ave. NEW YORK North Shore Fuel Supply Co. This Beautiful Home Our Repair Shop is Running Full Blast Sunflower and Daily Egg Brands for the Chickens give the Best Re'sults. Moraine Garage to have your Automobile over- hauled and repaired for ' Spring driving , Storage Batteries repaired re- built, and charged, all kinds of Electrical Work ' All modern improvements HENRY BOSCH'CO.’S WALL PAPERS FOR 1916 Ernest H. Kuehne Painting and Decorating 230 N. St. John Anon. Telephone 1 103 For further information all Now is the Time to Plan H1 Eluon dz Webntcr Ave-"Chicago. ll $1350 Stock Feed Garden and House Improvements HIGHLAND PARK. ILL. Telephone 388 105 Duvet-uh Avcnuo Artistic Papers Shown In Your Home The choicest designs and oolorings. Every pattern new. CHICAGO m1: HIGHLAND PARK m mam mm. 11.148015 nasr SAVINGS WK WWW m STONE come: In sacrum months ltnt long In cronstng Attantlc and mm: .ltnnt II (tun ttlrgtn Soilâ€"mm Tttrttt Institutions ‘ Provo the Backnnna ,ot tlur Country. Scotland. in 1810 the Rev. Henry Duncan ellublished the first. an lugs bank which was organiztd and operated on the rwugnized mwinku bank principle whk-h is: that from the definite; received. the bank should. by judicious investment. vurn (-nough to pay the exrenuvs nr munnuvment. pay inter-0st to the depositors and establish a guaranty fund it) prutovt them from losses incithrnt In all business. 3 lir. hum-an wuu by nu umilnu the first to sue the [mod n! u mite deposit- ory fur the savings hi the people. fur several vim-rs nu high mlndvd, but not so pmctlcal. hm! illoretufure attempt“) to establish nnvlngs bunks. but in thqir zeal to make the proposition aux-name. (-mnhinul foatlirm ihut Mnucked of clmrliy.‘ and thatch-re failed as busi- nvss Ventures. As curly us 1798 the IN a little stone cottage In Rntbwn. Wendou-r Bank" mu instituted by the Ron Joseph Smith. who with We rich parishioners agreed to recelve sums on deposit and repay the same; at Christmas with a lmuiu of one-third the; amount deposiied. It was in sub sum“: like our modern “Christmas Club.” Priscilla Wakefield in 1799 or- As an outcome of Duutun's bank. i} grew the Edinburgh Sm ings Bank. ii which dates from 1814 and which lsi still in existence. It was in this bank:. }that we tlud the same methods as sre? still ln vogue. the modus operandi or; ithe savings bank hnv tug flanged but7 little in the century past. This bnuk' ' issued pass books. the re ognized form- of savings bank evidences of indebted- ness. It was managed by 3 body of; i trustees w ho gaxe their senices gratis l i it paid I“ depositors the aunt: rate of= interest. it had no stock and cause-i. queutly no stockholders. it was 1 mn- tunl institution It sought safety first and profits afterward. lt sought theé hlghest forms of investment. pameiyi‘ gmernment bonds. ‘ 1 ganlzed a society to recehe cot-tutti sums on (leposlt monthl) according [6 age and to pan) the name as a pensloq after slxt; years of use. ln alt-knew :1 weekly benefit was allowed. and mt death at funerul benefit. 'l‘hls was ht substance llke our modern "Sick and Ald Socletles" so common among Eu-i ropean nations. But Duncan‘s plan‘ was the on]: one to prme adaptable tai all Imples and to all times. and wnlclt would support ltself.11ls bank \\ on sustain lbw” on the earnlng power of‘ money. rather than on the money earn I lug no“ er had accumulated F rum the; humble Scottlsh vlllage the ldeu spread throughout England and Ireland and‘ Scotland untll there were over two? hundred such banks In 1516. 3 i The new country had its problem of [poverty no less than the old, and in lthe endeavor to ameliorate the condi- r tlun of the lower classes numerous un- ‘; dertukings were begun. which Were i based on the sick and aid society idea Ex eu lotteries were legalized in the at tempt to alleviate the current distress Tammany Hall was originally insti- 1‘tuted as a society to “aiford relief to Ellie indigent and distressed members. } their widows and others. " Fulh forty such sotietiea were organized fur aim; ilnr purposes before the an out of the sminzfi bank. .u 6243.50» .aJwBISm .5 00( 53:53 < amalgam .153 32.33 Sci 5:. Owing to the dose association be- tween the mother country and the col- onies. It was but nature! that any movement that succeeded there should be adopted here. and the ldvn Wu not lung in cmsing the Atlantiv. Hisiorlaus are in doubt as to whom is due the credit of bringing the idea over to America. but it is conceded that Patrick Colquhoun. a London Magis- tram. wrote Thomas Eddy of New York a letter in 1816. outlining the plan then in snvmsshii operation in En}:- lnnd. A similar mmnhlet fell into the hands of James Savage of Boston in the name year. and the first public an nnunvemem M n wavinzs hank ‘n tim- muntry appeared in the (‘hrisiinn rm ciple. a small relizious paper. in 1‘0 cemiwr. 18101. This nrtir‘o stumi ilml Fllvh institutions worn in sum-Main. operation in England nw’. Swollziml am! that “Vii n hunk “'u~‘ lTulend f u; I) [Hi n I)" 1 ”ml .Nefn. .d um! d 7.; Philadelphia. The plans for the Bouton bank must have been well matured. {or in [let-emlwr of 1516 the “Provident Institution for Savings in the Town of Boston" was chartered, being the first public not or legislation in the world which rwognized the beneficial charac- tt-r of the saving» bank. This bank in five yearn had deposits of $600.00“ and paid one per cent. quarterly. Fulluwillg the letter m-eh'od from his Englixh correswndont. .\lr. dely And a group of public spirited men he- gan an agitation that (-ulmlnuted in the Blink for Savingfl. now located n! Fourth Avenue and Twenty-wound Street. New York. a lmtulrtd~miliiun~ dollar bank in the meantime. [’hilar delphin had been huny. and organized the Philadelphia Suvlnga Fund Society. which opened its doors on Monday, December 2. 1816, being the ilrst bank of its kind to upon {or business On the Western Continent In unite 0! thus early beginning. the sax-mus hank. us a mumul institution has mmuiuod a New England insdtu. (Inn. in that this type of bank but never, become a mum-1a! factor In the West and South. there being less than Ihoseflguxhtidohgt include the stu-k savings banks, M which there lure upwards o! 1.300 lh various para a! the country. nor battku of discount ulmruting savings departments. Nor is it to be inferred that one is better than the other; but the Contennml celcL hmtion which comme‘tomtus a cen- tury of savings bankint is to do honor ‘to the mutual savingsi bank with no - and the good order of disparagemeut to othe't- types whose ‘hlatory is not so clearly defined al- though their opuration may hme done an grout a good. in his first message to the Legislature in 1820. Governor Cilntun of New York characterized the savings bank as “an institution to cherish meritorious industry. encour- ago frugality. and to p mute the wei- farc of families. the raise of monlity oolety." And he was right It has done all this in thousands of instanceagfor a hundred years and well moritsfaii the honor Ind credit that may come to it after I century of hnxwmhlo y‘ondttct. fifty of these banks west of Buflnlo and Snutb of Baltimore According to lull-st reports, there are 634 banks of the mutual type. located as rullows: Mame. 48; New Hampshlre. 44:: Vermont. 21; Massachusetts. 100; “bode lslu ml. 15; Conn “cut. 3%; New Yurk. 140; New Jet-s ', 26; Pennsyl- vania, 10; Delaware " Maryband 18; whirl) amounts fur all but 3-1 In the timed smog. The depmltsfin theiuc six hundred hunks tutu] $3.91513213Ju), Of which‘ $1.7(KM515.T\56 is in New York. followed by Massachuseus with ”61.416889. 111 d mailers New York llkmvlse lends. hnvh 3 3.1143240 deposi on. while Mas- suchusetts has 2,249.82 ‘. l v 1 i > ‘> i ”209/9 '- - . ©©©©¢~©®©©9h©aqooo How To CULTIVATE THRIFT. first Ionrn to dininguish he- twtwn luxuries nndmocmsltios. You do not need a" you think you hood, and r-vnn‘nly not all you buy. You wnnf minus be muse you see themâ€"'{hat is what shop windows are (br, Second, le-nrn to know good vnluo. Loam whore and when and how to buy. Learn to know good meat from bad. nourishing ”mime worth- less. Loam to Ju e clothing and shoos. and buy Wood mate- rial-k pays 1n the \Lnd. Third. koop' trmk of you: expouneu. Know how muvh It dusts you to ill N. A. W I N M Lake Water? Suite 4, 5 and6, State Bank Bldg. Idol-u 673 ”All mm. In. Dr.B.A.lla-iu DANDW DENTISTS 515 Oakwood Ave. TeL 57 mainland Purk. Ill. 1'01. Cum! ’2' Ru. Tal. Hallo-J Par! $22 Wilh'ams Nelson [3- no" 5 TI! TI! TO PLANT Leonard’s Lawn Gnu museum oumnnm mm MISSJIAUYM Garden and Flower Seed FOR SALE av H. P. Jeppesen OR LEONARD SEED COMPANY First and Second Mort- gage Loans, on North Shore Real Estate 230 South LaSalle Street Lake Shore John. E. Conrad Attorney at Law Sol" 801 Ru)" Blod N. 8'. Car. 67le U Wald-(Io- | F. A. TUCKER. Proprietor Phone your Agrober today for a case or call ’ H. P. 447 It is cheaper than other bottled water and is pure Highland Park 1058 Wabash 554 ter, Eggs, and Home Dressed Poultry Why not play safe and drink Chicago Cid Creamery “SLJoh-IAVO. Children'- Hnir.Cuttin| I Specialty 8 N. Second Street Tokphono 632 231%“ Tohphooc Wall Papa 50-“! 0“ aim at you“. Painting and Decanting 342 I. (chi Ava-2 m MI Warm hams-i 134 Last (am! An Tcl. 135 l‘l'NERAL DIRECTORS 5w! kid» (24‘ I 3063; VIN M- 'u-himhn} [‘55 Phlut 44‘4 612 ”Ann Street EVANSTON C. H. JORDAN CO. FRED SCHAEFER PLUMBING Lorenz Lung Fresh Butter, Eu: md Poultry BlWAv-z W. B. McVElGH J. ESTHFEN 164 N Injun- Am. 0m. 1323 E 52rd .‘uctl. am Put H. C. HALL Drng‘eu Physician mm MILIH. Ufin‘e Hour! H-zn 12: m 2 194 pm. "(-10 5 30 p m