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Thursday, March 6, 1930 %GEP McCORMICK. S*m C*r*Hn*. Nm# ^ Little Talk On Thrift V.. t £T • . ^ l; - ' *» (By S. W. Straus. President Ameri can Society-for Thrift.) OLD AGE INDEPENDENCE MADE SURE THROUGH THRIFT At the present time when there is apparently some distress due to unemoloyment, it is well to have brought to our attention the great value of systematic saving and thrift in providing for one’s old age. Some interesting figures have been v/orked out by the American Society for Thrift show ing how one may become finan cially independent at the age of sixty-five. It is to be assumed that most persons are able to maintain an income until they reach this age at which time most of them feel that they would like to retire and take life easy for the rest of their days. It is true, of course, that no rule or formula can be laid down that will apply to all cases but it would seem that a plan which calls for a modest amount of saving during one’s pro ductive years and provides an in come of $100 a month after the age of sixty-five, would come close to filling the requirements of a vast number of people. It would require the sum of $30,- 000 invested at 4 per cent to pro vide a $1200 annuity. If one should begin saving at twenty-one years of age it would only be necessary for him, according to the Ameri can Society for Thrift figures, to lay aside $259.34 a year to achieve this financial independence at sixty-five. The following figures will show the age at which one may begin saving and the amount necessary to be saved each year until one reaches the age of sixty-five in order to have an income of $1200 a year thereafter—twenty-five —$315.70; thirty—$407.32; thirty- five—$534.90; forty—$720.36; forty- five—$1,007.16; fifty $1,498.24; fifty-five—$2,498.72 and sixty—$5,-^ 538.82. These estimates are based on savings being deposited in a bank or invested at 4 per cent com pounded annually. It is more than likely that during at least a num ber of years the average man could incre|use his savings above the schedule here referred to. It is also possible to get better than 4 per cent. This would mean either that one would not have to wait until sixty-five before retiring or that one would have a larger in come than $100 a month after reaching that period in life. There is indeed no surer way or better way of providing for a com fortable old age than through some such a plan as has been here briefly outlined. IXt FARMERS WHO CAN PAY We recently ran across a North Carolina doctor’s diagnosis of the farmer’s financial troubles which Is worth passing along. This was a general practitioner in an aver age small town, who carried the accounts of many farm families on his books, usually making col lections yearly when crops were marketed, as is the custom with many. On January 1, he checked up his delinquent accounts and found that in nearly every case those who had • failed to pay were one crop farmers, who made no at tempt to raise a variety of pro ducts. Then he looked over his paid-up list, which disclosed con ditions somewhat like this: One had a f’cck of pure-bred chickens, another a flock of sheep \ third had brood sows, others had dairy cows, orchards, vegetables, Pay. and other feed for their stock, tn" other words, those who had raised their own food and stock feed, or had been able to market poultry and dairy products, had also been able to pay their doc- >or’s bill. And by the same token Pad been able to pay their other bills, without doubt.—Abbeville Press and Banner. ACT TODAV^DONT MISS THESE BARGAINS ! NOTICE OF FINAL SETTLE MENT AND DISCHARGE chevholets f/Mfsmmc Jmr Trentp+Ttatium ^CHEVROLET 66 The Town Doctor .99 DOCTOR OF TOWNS SAYS: THE CURSE OF ANY CONVIC TION LIES IN NOT HAVING ENOUGH OF IT 1C REDUCTIONS "WITH an HAT COUNTS If you haven’t attended Chevrolet’s Great Spring Clearance Sale, come in today! To make it the biggest of its kind ever held in this community we offer big reductions on popular cars that set a new record' of value for your dollar! The big reception given the 1930 Chevrolet has filled our showrooms with late model, low mileage cars that must be sold this week to make room for more trade-ins. Now you can secure a handsome, depend able used car bearing the red tag “with an OK that counts”. This signifies that the car has been thoroughly reconditioned by expert mechanics to top-notch appearance and performance. See our big selection of makes and models carrying the famous red “OK that counts” tag. Buy today and save! THE MOST EXTRAORDINARY VALUES IN LOW PRICED 4 AND 6 CYLINDER CARS n the 18th day of March, 1930, 10:00 o’clock a. m., I will make nal settlement in the Judge of bate's office in McCormick and for a discharge as adminis- ;rix of the estate of W. W. Sisk, cased. All persons holding ms should present them prop- r attested before that date, or forever debarred. MRS. LILLIE B. SISK, dministratrix of the Estate of , W. Sisk, deceased. [cCormick, S. C., ebruary 15, 1930.-4t. | 26 Ford Tudor 27 Ford Coupe 27 Chevrolet Coupe. 29 Chevrolet Truck. Model T Ford Truck 28 Chevrolet Tour. 26 Chevrolet Tour. All at very attractive prices. BUY “OK” USED CARS FROM A CHEVROLET DEALER The Point Of Contact There’s a simple catch in the familiar phrase that tells how the world beats a path to the door of the man who sells a better mouse trap. Any salesman, if he is to be suc cessful, must not only have a sup erior product, but also must let folks know about it. He must point out why his mouse trap, his auto mobile or his service is better than his neighbors. He must advertise. Advertising is the point of con tact between the man who sells something and the man who wants something. Through an adver- Msement, a dealer can tell you in a few short minutes all you want to know about the articles or the service he has to offer. This newspaper is constantly full of ideas that other men and wo men have thought out for your personal benefit. Fail to read the advertisements and you remain in ignorance of countless products that have made life easier, happier and more interesting for you and your entire family. Advertising gives you news of the latest and best things made, with a. word as to what they will do, what they cost and where to get them. Think of all you miss when you overlook the advertise ments. X Reading The Public Mind The success of a business de fends on its ability to analyse the mental operations of the public, and to determine how people de cide as to where they shall buy goods. The merchants who read the public mind most accurately get the business. When one finds that he needs something, the question comes up where that article should be bought. From some source back in the mind the suggestion comes that such and such a place would be a good store to visit for that purpose. Whence comes that sug gestion. In the majority of cases, it is created by the store that has made the greatest effort to impress its reputation on the public mind. People remember the things they hear about constantly, and they forget other things that are rarely called to their attention. The ad vertised store conforms to the laws of psychology, by constantly calling public attention to its en terprises, its goods, its methods, its prices, and the advantages of trading with it. Consequently the inner consciousness, when asked what or where a person should buy, is apt to respond by suggest ing certain advertised goods. It is, of course, true that while a store by advertising can always draw in a lot of new trade, it can’t keep it unless it really does give good values. But advertising helps a store do that, notably in these two ways: Advertising encourages mer chants to handle big lots when such are offered them at low fig ures. They know that by appealing to the public by advertising, they can swing these big lots and turn them into money in a short time. Thus buying in a large way and taking advantage of special op portunities, they arc able to offer special values. Advertising increases volume of trade, thus reducing the operating and overhead expense per article, making it possible to cut prices to the public. The advertised stores buy and operate at low figures and can thus make low prices. Manure Disposals What Ben Franklin ’ Told The Constitu- , Manure should never be dump . tmrml et ^ where dairy cows LlUlldl V^UllVCI1UUII are likely to lie . n it Qr to walk I through it. If not stored in a shed Ben Franklin told the Constitu- | or removed to the fields, it should tional Convention in 1787 that when he was a very young man he had a great conceit of his own opinions and seldom dbubted his own infallibility, but that since he had grown older he had discov- be piled at a considerable distance from the barn and on the side op posite from the milk room. When weather and field conditions per mit, it is probably best to spread the manure as soon as a load has ered that other opinions than his j accumulated. If a spreader is not own often had greater value. | available, an ordinary wagon may Then he added: “It is probable be used. The yards should be that nothing we adopt here will be wholly what any delegate present desires adopted, but if every one will doubt a little cf his own in fallibility we are likely to produce an instrument acceptable to the country.” The successful man today no longer says, “It must be done my way because my way is right.” The successful man knows that even the best informed man knows but little—that about him on every Early hatching pays. In addi- side stored in books and minds of tion to greater egg profits in win- his associates are well-worth- j ^ e r when eggs are scarce, early while ideas that should be consid-' ered. He reaches out the arm of investigation and grasps with the scraped regularly and the scrap ings spread with the other man ure. Hauling manure to the fields regularly not only keeps the prem ises in a sanitary condition, but usually is a profitable practice from the standpoint of crop pro duction. 1X1 Hatch Chicks Early hatched cockerels are more profit able as market poultry than those hatched late. In the North, March fingers of progress every available 25^ j s a g 00 <i date to hatch the helpful thought. • - When you find a man who says, “I am running my affairs alone, the burden is wholly mine,” you first chicks and May 15, is a good date to finish hatching. In the Southern States, hatch about two weeks earlier. Allow time after will find a man who is running pi ac j n g th e males in the breeding backwards, not forward and it is p en b e f ore saving eggs for hatch- time for him to move his clutch. 1 ing A fertile egg may be obtained X two days after mating, but about! Curtains of unbleached muslin two weeks should be allowed. The arc practical for the bathroom as fertility of eggs remains at a suf- they do not look limp or sleaay ficiently high per centage for : when dampened bysteamy air. Al- about five days after the males so they are easy to launder, are removed from the breeding^ Brighten them up with a border or pen. One male mated to a vary- j applique of fast-colored checked ing number of females up to 15' gingha::!, cretone, or plain chani- should give a fairly consistent 1 bray. per centage of fertile eggs. I talked to a man the other day who said he was convinced that his was a good town, and that ho had faith in it, but he was enthusiastic about it. A case pare and simple where the “curse of livj convicticn” was in not having enough of it. That is true with many people. Ask them what they think abo ’t the place where they live and they are of this opinion, and they gu-^ss something else, and like this mar, are convinced of something, but they play around, dabbling their feet in the edge of the water, so to speak, instead of diving in. Faith in a Community is a fine thing, and “faith” they say, “can move mountains;’ but I like very much what Dr. Frank Crane said about it. He said, “the only faildi that could move a mountain (and I add even an ant-hill) is the faiui that uses dynamite along with It.” I asked this man if he was in love with his towm. He deliberate ly laughed at me and then s<ud Love is blind.” That being t ie case I know many, many towns where most of the people must be head over heels in love with their community, for they are blind as the proverbial bat to its advant ages; things that are actually driving business and people out of their town are staring them square in the face, but they do not see them. There are many people, and per haps you are one of them, who say there often is too much en thusiasm in community affairs— people get all excited over some particular thing, a new factory or booster campaign as an example, and that is all that ever comes of it. Everybody gets “all het up,” makes a big fuss and a let of noise but that’s all it ever amounts to. Well, that often happens; but it isn’t because of too much enthu siasm—it, is just inability-to. con trol it. r' That is natural—the desire to make a splash when you jump in the puddle is second r . - .ro with all of us, and it is legitimate, t°o. The trouble usually is due to the fact that a few people, who really down deep in their hearts want to do something for the town, get 2 .1 idea (and everything has to start with an idea, you know,) and it looks like a good thing. They start to put it over, have a public meet ing or two and the papers ; alwavs willing and ready to do their part, give it a lot of space and you and everybody knows about it. Then you say something to vour neighbor, friend or fellow-werfe-pr about it. It looks o. k. to you and you say “what do you think about what these fellows are going to do”? and the other fellow «avs “there is nothing to it” or “it’s a graft for those fellows to put something over,” or “it’s jus': a stunt for the birds that are selling it to make a lot of ’jack’ out of it.” That cools you down. You see your conviction was good but you did not have enough of it to come back and say “what’s the matter, you’re sore cause you’re not in on it and can’t run it?” or “of course they are going to get some^' , " , g out of it, what do you suppose they are doing it for?; but I will get something out of it too and so will you if it goes over, but I will have nothing more than I’ve got now if it doesn’t.” Now if there are enough cases where folks who are at first con vinced, but not enough so to stay. convinced in the face of a fow knockers who crab everything re gardless, or by remarks of those who do not stop to think, then these fellows who really wanted to do something, but-cannot do it all themselves, get discouraged be cause you won’t get behind and push the thing along; and wlmn that happens the whole thing, no matter how good it was in the be ginning, falls through. So you see McCormick is some what like a flivver. Somebody Las to turn on the switch and step on the starter. Then if there is 3.1s in the tank, and you furnish the spark of enthusiasm when the spark is needed, the little old buggy will keep rolling along, go ing places with you a comfortable passenger. (Copyright, 1930. A. D. G . w. Reproduction prohibited in w’ do or in part. This editorial pob; ed by McCormick Messenger in co-operation with the Iscal Lh.ts Club.)