The Sunday Tulsa Daily World (Tulsa, Okla.), Vol. 15, No. 345, Ed. 1, Sunday, September 11, 1921 Page: 35 of 42
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D
I
SECTION C.
TULSA DAILY WORM) SUNDAY SEPTEMBER It 1921
DEAD TIMBER
AND DEFLATION
l IITHH KltOM I'AIM! "NK.
h.iit the nilvnnlHRPM nf coming
y mul of Hiolr own nrcoril
'ul Hioko HilvantaKrH nro treat'
"h nol the (liffcrrnco between
;'. ry " anil defeat between Hlijcct
J' rr nml triumph ovit mlvcrse
JfrVimMnnres which will mvo their
riru.M'Inn If not their pride 'or-
t.n nn tlnil iinrn will lr
.mo Improvement In Reiicnil IiukI-
'nr "ii I"' mnrkod enough to brine
!.. j y to the. J. ilnneiTH. The
Jn v i.iipk who will be nbl.i to got
anv nourishment out of It will bo
ihoro who ml"" a firm grip on this
! h - f their affairs right now put
'hc p'ow of their craft (Untight
ini.i ibi' wind and ulcer with their
!r. w ile open nhnplng their coursa
ri ' . i tho rocks of debt."
Hail Timet for Kan) Iti-Hlgdcrx.
Th pie.ent Is about the poorest
(line IftlM country has ever neen for
the' men and their name Im lesion
who nro centdtlve nnd touchy nH
to the treatment which they receive
fro their employers and" buslnest
.'. 'at en. In till claw nr- many
nun of marked ability who have
).f i a. cumomed to high pay. The
. 'enlace of producer In thin
.. it in bleb nnd It Includes a large
'irnlier of men of brllllan talents.
nlcr normal communis tney are
4 nit only able to deliver the gnml
tiut to change from one position or
lli.d (" another with acrobatic ngll
Itv i .'l pulse. Ah u result they hum
a. i.ilrnl tho conviction that they
an null any position at the drop
nf (he h.it step Into a better one i
ati.l make soon.
Ttilt conviction him almost In
va ahly fostered nn attltuilo nf In-
(lojiindenco which makes them
turn by as yoke mates resentful of
mi" rvlslon Intolerant of crltltlMii
nnd temperamentally unfitted tor
p luillntt teamwork when tho pull on
itif neiK yemu is nam ami we.iuy.
Tli. favorlto phrnscH In tlielr vo-
abulacy are: "I'm not trented
right and "I'll not Htnnd for It!"
In tho employ of a certain large
railroad Is a man of this type. Ho
in. Ids an executive position of con-
s"lerablo Importuned and Is there-
fore not under tho Jurisdiction of
the national atfreementH and Is un-
affected by the pay cut ordered by
thr labor board. Hut It was Inti-
mated to him that It would bo
lie essary for the executive forco of
Km wiiil In ninlrn it uulii ntif
lilt Instant answer to this sue-
Kcstlnn was: "I'll nut stand for It.
I haven't been getting what I'm
unrih. I've stuck with the road
when I could have got moro else-
where Hut when It conies to tak-
ing a cut never!"
Though this man has not yet re-
signed ho shows all the symptoms of
being about to do ho. Ills record
At an easy rcslgncr la high and he
Is ablo to prove that with ono or
two posslblo exceptions ho has bet-
tered hlmsolf at every move.
"Hut this time." remarked a
friend "he's going to Jump from tho
frying pan Into tho fire unless ho
arts upon tho advice which his tru-
est friends aro offering him. Kor
ono thing ho forgets that ho Is con-
siderably older than he was when
he made his last change; that he has
liasnert tho point when an addition
to bis ago counts as an advantage."
It Is scarcely possible to exagge-
rate the happy-go-lucky state of un-
400 East
prc parcdiioss into which the average'
man has fallen during the period of
pay-emelopi (Xpansion. Ilecently
In a large railroad town In the mid-1
die west ocmrred nn Incident which
Is representative of what has been
taking place all over the country.
A urn n of mill. age entered a
bank and awkwardly made his mi)' I
to tho private office of the manager'
In the rear of the teller's cage. He1
was not a depositor but he had a
speaking acuualntuncc with the. I
banker who knew him as a foreman
of long fervlce nnd good standing
In the big railroad shops.
They bad tonic Into familiar con-1
tact In the eijtirn of the Liberty
loan drive among the shop workers.
"l'lll till against II." lie l ire I (tin
foreman "and 1 want to borrow a
couple nf hundred to get my wife
out of the hospital where she's had
an operation. I don't mind letting
the doctors wait a while for their
pay but when It comes to tho hos-
pital bill that's different. I Just
haven't the nerve to stave that off."
"What pay do you gel?" casually
Inquired the banker.
"Two hundred and neventy.flvo n
month "answered his caller.
"And you've been getting that for
how long?"
"About three years."
"Do you mean to tell me that for
three years vou've been dm whirr
$27fi n month and that you haven't
anything put aside to take care of
an emergency of this sorf"
"Tbnt'a about (be nlzv of It." con-
fessed the foreman In n.tone that
Implied n touch of resentment at
th" manner In which the uuestlon
was shot at him.
"Seems to me" resumed tho bank-
er "I've seen you driving nbolit In
an automobile."
"yen. we've got a car" admitted
the candidate for a loan. "Nearly
all our neighbors have their auto-
mobiles. I didn't get one until a
lot of the men working under mo
had bought cars. My wife wanted
one and it seemed to me that she
was as much entitled to that com-
fort as "
"Don't shift tho blame In vniir
wife's shoulders" Interrupted tho
banker. "He honest enough to ad-
mit that you were as crazy for a
car as she was. Hcsldes I met her
onre when wo were on tho Hod Cross
drive nml she looked to mo like a
sensible woman. Of course there
are a lot nf extravagant wives but
as a rule women nro more careful
than men In family expenditure;
that's my observation."
"Hut bow about the loan?" cut
In the foreman who was growing
restive. "I'm getting good pay ami
I can take up tin note when It
comes line
Sound Aililtv 1'roni n Hanker.
"Yes you inn" replied the banker
"but tho uuestlon l. will yi"
There's nothing In the wav In which
you have handled your affairs thus
far to Indicate that you will bo In
any better position to pay your noto
at maturity than you aro now to
settle your hospital bill. Vou'ro
simply drifting. You ndmlt that you
ow a dortor's bill which Is prob-
ably larger than your hospital bill.
Tho chances aro that you're also
behind with yqur grocer and other
merchnnts.
"If you had come ln'hero and tnfd
me that you'd Just awakened to the
fact that you'd been a fool; that
you were seared stiff at your situ-
ation nnd that you were going to sell
your car and get down to bed rock
in your expenrcs In order to pull out
of tho hole I would not hesltnte an
Instant about lending you 1200 or
more. In. fart I'd lend you the
w
What a demonstration will
show you about
FRANKLIN
EASY STARTING: no pushinftof buttons or meshing
of gears simply turn a switch and the motor starts.
EASY TO CONTROL: being light it gets under way
quickly stops quickly and steers-without effort.
SIMPLE TO DRIVE: automatic spark controlespon
sive brake easy-acting clutch. If engine stalls
accidentally starter functions automatically '
COMFORTABLE: rides "softly" light weight and
flexibility iron out rough going give readability.
SIMPLE TO CARE FOR: no radiator to fill and fuss
with; only three grease cups to fill; wick oiling system!
FREE FROM TROUBLE: avcrages-but three punctures
and less dian one blowout in life of complete set of
tires 12500 miles- Air cooled therefore never any
cooling troubles of any sort.
ECONOMICAL:
20 miles to the gallon of gasoline
12500 miles to the set of tires
50 slower yearly depreciation
(National Averages)
PRICES EFFECTIVE SEPT. 1 1921
Touring Car $2350 Sedan $3350
(Other Open 111 proportion nil f. o h. factor))
CHAPPLE BROS.
Fifteenth
money If jou were to say to me now
that you aw where you were head-
ing for and that yu were going fo
walk out nf here and sell your car."
"Well 1 m not going f sell the
car" retorted the foreman. "Not
yet anyhow. I'll wiggle through
somehow. When my wife gets out
of the hospital she's going to enjoy
that car more than ever befor"
and she's going to have II. too
somehow."
"All right" responded the banker
"Then you don't get tho loan from
me. I'm human enough to renlUe
that what you say about your wife's
eiijoyimnt of tho car while she's
getting her strength luck Is true
but If she's the woman I think she
In she would get a lot more strength
and hope from seeing her husband
wake till to the situation whlrh ioii-
frnntn his family than from all the
atitomobllo rldui she could possibly
take.
"Why man can't you see that If
you'd looked ahead a little and put
aside even JitR n month out of your
J27B you wouldn't be In this hole
now? You could have" done that
without feeling It. In fact you could
have saved f 7f. a month with very
little forethought and sacrifice. Then
there's another matter which you've
neglected to mention the fact that
hereafter you're not going to get
273 a month not by considerable'
And let the fact that your high
wages couldn't continue long after
the close of the war was as inevit-
able to any man of ordinary fore
sight the day you received your big
raise as It la now.
"I'robably you'll be able to get a
loan elsewhere and keep yuur car
for a while. Hut the lellef will be
only temporary. Tho only thing
which will really put you on your
feet and prevent you from being
knocked out financially is to do
your thinking beforehand This coun-
try never saw tho day when there
was as much painful afterthought iih
light now- and It's about the most
futile kind of mental disturbance a
man can have. Hulling oneself and
one's affairs together In advance
Isn't half as painful either."
Tho foreman went out of the
banker's private office without an
ndmlsslon of tho soundness of the
talk which he had received. The fact
that he did not routrn confess that
ho bad seen the light and announce
that he bnd sold his carols accepted
by the banker as evidence that his
attitude has remained unchanged
In these da)s of financial pressure
the attitude of the man who has
found himself In a hole In a largo
lueasuro determines the attitude of
those to whom he is indebted and
'the measure of consideration which
he will receive. Of cnurso this has
always been true to a certain extent
but never before tins It been so
conspltuous nnd outstanding a credit
principle as today.
"Let me show you how It works
In actual practice" said a large re-
tall grorer In a city of 400(10 Inhabi-
tants. "I noticed that a certain shop
worker was falling behind in his ac-
count getting In a llttlo deeper each
mouth. We wrote htm a mild letter
for a settlement. He came in prompt-
ly. Ills face showed that he had
been doing somn mighty serious
thinking.
" 'I've Just come out of a trance'
he announced. 'Haven't ipilto fig-
ured out yet bow 1 fell Into It -but
I think I'm awake now. When war
work put my cnges up to a point I
never dreamed they'd reach it went
(Osage 1292
PHONES Cednr 1223
Cedar 1224
to my h. ad I s i ss Ii s eined to
tile we (.mid lric i l"t f Ihtnus we
needed .mil bid n i' Imx'H aide to
ifford. Mv wife bad alwa) been a
very careful unman in money mat-
ters but the ih. uiii" In my pay en-
elope seemed to affei t her as It did
die. Anyhow she begun to dress the
ihlldreii and beiself better than cur
before. 1 was glad to see that they
bad It (omltig to them' And she set
a better table ami began to buy bet-
ter things for the bouse.
" 'Heeause I didn't illui Into the
silk shlit class like my simp mates
1 thought 1 was holding down the
lid In gond shape. H.ithei pallid my-
self on the Inn k for my moderation.
Hut where I slipped a cog was In not
keeping as keen an eye on outgo as
on Income. In spite or all the talk
put up by the dpokcsnti'ii of labor
and the new simpers about the In-
creased "H nf llWng 1 didn't get the
(tilth of the thing Into my system
livery dollar In my pay envelope was
Just he same old dollar that It used
In be or at least about the name
Anyhow I couldn't see fa) per enl
water In an) of them. We didn't run
wild In our spending like a lot of
those about lis did I felt that we
were almost inodelf of i ninny -
until woik began to slow down and
my trade bad to taku a wage cut.
Then I found out that I'd been n
foul along with the test.
"'That happened toward the close
of month befnie last. At flist l.dldn t
reallr.e unite wlint bad happened Hut
when I got last month s bills I began
to Kline to and our lelter did the
rest. I owe you more than a hun
dred and all told I 'm In I lie mud to
the tune of about thrc hundred. I'm
awake now and leahe (h.it I ought
to have saved sevei.il hundred out or
tlii""1 fat war wares iiisieml of ne.
ipilrlng a taste for better Imng unit
a Inn dell of debt
" 'Hut W( vi ilarted in on a new
program at our bouse M wlfi s
right with me on that d. il To. lav
I III making the iniinils of ixcixhody
I owe i Hid pulling all the iniils on
the table snnic as I tunc with you.
If the) II all agree to It I m going to
trent "eni all nllke In the payments t
make. That seems the sipiarc way to
go about the Job of digging out In
the meantime I've got to live and
that means 1 must have a reasonable
amount of credit.'
"So far as baling any properly
backing Is I'oneerneil this man is
about the poorest link nn III) bunks
bill I consider that I'm t lug fewer
chances with him than with a lot of
those who hac propel ty 1 not niilv
told llllil to go ahead op the basis he
bad outlined but that I'd talk with
an other merchant to whom he was
Indebted If he thought It would In lp
him all) lie's a good credit tlsk be-
cause he lias character enough to
roullre Ills situation see the follv or
drifting and uial.e a plan by wb'ih
to work out of Ills' predicament lie's
l learned the lesson of the necessity
of living within his Income and of
planning for the futiiie I've ills-
cussed Ills case with the iither luer-
chants at our meetings and Ihev
I agree that those who base united at
this man's attitude are the ones who
I should be given eteit possible iou-
sldei atlon. every help. Tills Is the
i general attitude of meiehants alio
IhuMucss men thiougboiit Die country
-there Is not the least doubt about
that."
The best inlt Ice which call be
'given any man who has fallen behind
and found himself taught In thn
lllfllh nf debt Is. (Ill and see the llll'll
I .ton owe and see them often. Let
them understand that von taku vout-
obligations seriously that you abhor
1 debt th.kt you iire on the Inb of liv-
ing inside your Income and thai yon
Mire making ynut payment' and )oiir
current rxpetidllui'rii ;i i ndlng to a
PACKARD
m
The more closely you examine the new
Packard Single -Six the more clearly it
reveals i(s genuine Packard character Every
ounce of steel in the compact and able
chassis every trace of workmanship upon
it evidences the care and skill of Packard
manufacture On the road the car shows
that powerful action that comfort and
security that have always been characteristic
of Packard cars. Come ride in the Single-
Six which originally priced at $3640 for the
touring model is now $2975 f.o.b. Detroit
YOU CAN SAFFXY EXPECT FROM TUU I'ACKAUD SINOLE-SVC A YliAULY AVERAGE
OP 17 MILES OR IHi'ITER TO THE GALLON OF GASOLINE 2000 MILES OR
BETTER TO THE GALLON OF OIL AND 15000 MILKS OR !I!TTER FROM TIRES
PACKARD MOTOR CAR COMPANY DliTRdlT
Packard
1200 South Boston
Qsh the .mam who
arefull.t franird plan Pont In -it id
I i admit that )ollte been iimi hlng
of a fool in a pel bid i f ilioont inn
ei sal folly but make it 1. i that
sou know where you're at and that
.tnu'ie running on a schedule of pre-
pa led nes.
Tat-Hay llninmerx.
"You would be surpi Isi d" recently
remarked a banker "at the number
of leading business men wlm fall to
put aside inline) with which to meet
Inevitable annual expenses II lie taxes.
The tesillt Is that when tax time
comes they are forced In hmmw.
Ktcry banker knnws that In the las
da)s of gince for the payment nf
taxes a line of anxious candid ile
for loans Is sure to fix in In from nf
the discount desk. Hut the chaiae-
ti r of the men In those Hues often
Kites the note tellers a Jolt of sur-
prise. This was especially true last
tear. Ilxecutltes of big corporations
and liulltlilnals of wealth by the
thousands bad to bonow to p.iv'thelr
Income taxes. The) had nenlecli d
to set aside a sum each lilonlh to
meet this fixed and Inevitable iiiitgo
111 fact many were unable to bur-
low enough to meet this demand.
"I know of a man whose Incnuie
lax for IK2U was about twent)-flte
thniisand dollais. I ty the time (Ills
was to be paid he hid us Utile eiatiee
of paying It as I have nf paving the
lintlnlial debt. He llted and spent
nn the basis that his pintlts wele lit
In have nnd to hold and that the in-
come tax was a dlsagi eeabln myth
Another man made an Income of
tU'a.OOO beiniise a big anil)' camp
was loiatnl 111 Ills teriltnrt. I'mb-
ably the net Income finui bis bust
ness In any previous year bad not rv-
ceiled (MHI. lie was hilarious
and began to spend proportionately
I tried to nhow him rarly that yiar
that he was riding for a fall unless
be deiliicled eai Ii month a twelfth
uf tho sum whb h would lie required
Oklahoma
f a' lit' in. nine tax and put It Into
-i i'.ii Hi f il n it for tax day Hut this
dldn ( a(ip at to hlni lie d ross hat
hi id lie when be lame to It' Well be
eolilipid In get past until the tar
da) of the yen I following the rinse
of the war. Then he did some of the i
liveliest sipiirmlug a man ever did.
"The(e are thousands' of turn llkei
this one who make no provHoii for
fixed expenditures -who deliberate
Iv and stubbornly shut their eye to
Inevitable expenditures which they
know must come at a certain lime.
With small lui'ilness men and all
who nre In relatively leslrlcted clr-j
(Uiuetalices Ibis iinpreparedness Is
iml sn sin prising. The greater pniti
of bnmanlt) lives with Imi fore-
thougbt fnr the future than lots of
animals and Insects Hill the extent
to whb Ii this Iih ppt -go-luckv ( m' -1
lien pioialls mining keen buslnes
IlliMI who are supposed to conduct
their atlalis ai nrillug to a fixed i
and ordeilt plan is astonishing. The
'Intimate Insight into the business af-
fairs nf men In Ihi" i lass which nat-
ural!) comes In iiglllkei Is depress-
ing. It soinellnii WnnakiH him iUcs-
t'.on th" aiiepted llii'iny that man
Is a reasoning creature." t
Many woikei'i In IndliNlly now null
of Jobs are apparentl) puzrlcd to
Knott uhv Ihev have I n let out
nnd olbeis Mho aie perhaps not as
skillful leliihieil. Here Is a bint
w hich iii.iv help llii'in m solve the
pioblein Iilclv I entered the gen-1
cial nffiis of a large plant engaged
In the manufacture of heavy nia-
ihlneiy. The place wan no unlet as
Hie nlli ine room of a binary
The K'tieral manager remarked
"All the officers are cither on the
golf bulls or taking taeatlun. Might
as i II do that as iftlck around hoic.
Wi ie keeping about half our men j
Tint re mainly on lepalr and coj-
hi i tli (Ion wmk doing tho work nut
(be plant and eiiuiptnunt that wo
could nil take time to do when the
war pri'h..urc was on. Then wc'in.
Motor Co.
Phone Osage 7900
owns one
getting leady for the t ins whn
IniMiiei.i comes Pa k i i (i innal. This
Is America and ihe puirnt con-
dition cannot nnd will not continue
Indefinitely The i.-kiiihi-s and tho
opportunities of this country ro too
great to permit that. Itesliles wo'rn
going to go the limit to keep our
men going."
"Hill." I Interrupted "I d like tit
get at the Hun which volt drew In
separating the men who were to bo
let out from those to be retained."
"That's easy" Wita the quick re-
ply of thin executive. Drawing this
line was my own patlliulir Job. In
one group I put tho' who In war-
time told (In in go in hell It wo
asked them to do Ihelr work dif-
ferently to In- a little more reason-
able about loafing on the Job or to
work ovcdlnie m the otiur group t
placed those who were decent nnd
rensnnahlo (it the time wh'ii tin
ivagii winker was in b' nubile and
the boss was on bin knees. Ho far art
I'm concerned thbi Is what Is taking
plnro throughout Industry. This linn
of separation almost automatically
flies the Inefficient tho drlftem and
trouble-makers and retains tho ef-
ficient the loyal and the (dickers.
It leaves with us Ihe men who havfl
grown up with the concern."
Olio of the foremost financiers of
America iceenlly remarked In me:
"The financier who dneiii't taku Into
account tho kinks and sipilrks of
human nature when trying to
.inalyte a ii.itlunwliln IiUsIiicms situ-
ation w overlooking an Important
element. Title o tho present situation
of overspending on the part of tho
atcrago family a very largo per-
rental!" of It comes from plain
masculine pride. There aro several
million hui'bands In this country
who haven't had tho nerve to say
to their wives that expensiH must bo
cut to the bone and a lowor m:aln of
family living established. They
wanted to bo nura that their Incomca1
ClINTINt I. II (IN NI'.XT 1'AOW. I
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The Sunday Tulsa Daily World (Tulsa, Okla.), Vol. 15, No. 345, Ed. 1, Sunday, September 11, 1921, newspaper, September 11, 1921; Tulsa, Oklahoma. (https://gateway.okhistory.org/ark:/67531/metadc77848/m1/35/: accessed July 16, 2024), The Gateway to Oklahoma History, https://gateway.okhistory.org; crediting Oklahoma Historical Society.