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McCormick messenger, McCormick, south Carolina Thursday, January is, 1945 VteCORMICK ME3SENGI PMhdsbed ^rjr Tlranifty established Jon# i, IMS SDMOND J. Me€BACKBM ( Bditar and Owner Ofdee a* Me- DbaU Matter ef at tk« roet v,ermlck t ift. as i •he second Haas. itiBSCKiriA*** KATES: One Year -— fl-dO m* Months — .79 Three Months ... .90 INSURANCE .... 10% How much insurance should an average family buy? You can get hundreds of differ- cm answers to that question. Some people, who are constantly aware of dangers on all sides of them, will strongly advise making great financial sacrifices in order to guard against all hazards which fate may have in store for you. O know a man with an annual in come of $3,000 who spends $800 a year for insurance.) Others, who hare a more “live hnr today’* philosophy, prefer to feke their chances with the future rather then burden themselves with Insurance bills. (Another man 1 know, who makes over $5,000 a year, has s $1,000 life insurance policy “to bury him" and that’s the last nickle he intends to spend **r insurance of any kind.) . There is probably a happy medi um between these two groups which offers the best answer for most of us. , I recently had a long (fiscusston With an insurance expert to try to ptrive at that happy medium. He believed It would involve an expenditure of approximately 10 per cent of a family’s total in come. He contended that a family with a comparatively small income fifaould spend a higher percentage bar insurance than those in the higher brackets. For the . low- income families, he pointed out, have the greatest immediate diffi culty in coping with the situation If suddenly faced, with heavy ex penses for medical care, or if sud denly deprived of the earning pow er of the head of the family. FIRE • • • • liability Insurance can be divided into three categories: (1> insurance against physical hazards—sickness, accident, and death; (2) Insurance against property damage—the most important of which is fire; and (3) Insurance against personal liability —payments which you may be forced to make for responsibility .for harm done to the person or (property of others, i The last two categories don’t warrant much discussion. Anyone owns property — a house, a barn, furniture, animals or an automobile—is extremely foolish to take a chance of complete loss by In order to save the few dol- fire insurance costs. As for liability—if you drive an [automobile, no matter how careful |a driver yon may be. it is eertain- Jy worth $30 o^joj, year to make sure that you won't have te mort gage your earnings for life if you are held responsible for an accident in which someone gets injured. Any family, no matte; what its income, should set aside enough adequately to cover these two cate gories of insurance. From there on, insurance be comes largely a matter of what you can afford—or how much you can afford to do without. LIFE .... formula Life — health — accident. What ever you do about them, it’s a gamble. ., But the insurance expert with whom I discussed these problems had a formula which may be as good as any. His formula was: Ev ery man who supports a family should aim at having enough of these three kinds of insurance to provide him with half his normal income in case he is temporarily unable to work, and to provide his family with half his normal in-* come, for at least 10 years, in case of his death. To a man earning $200 a month this would mean: an accident and health poliby which would pay him over $100 a month when incapaci tated plus a life insurance policy for at least $10,000. In addition, he should include, if possible, a policy to cover heavy medical costs or hospitalization. If a man earning $200 a month, or $2,400 a year, spends 10 per cent of his income for insurance, this authority would recommend he spend it as follows: $20 for fire in surance, $30 for liability insurance, $60 for health, accident and hos- talization insurance, and $130 for fe insurance. When I suggested that It would be difficult to get $10,000 worth of life insurance for $130, he said there was a catch to that figure. The catch was this: every family, he said, should try to save 5 per cent of yearly income. By buying $250 worth of life insurance, over half can be considered as savings, since it is available at any time, if needed. Thus he really recom mends spending 15 per cent of in come for insurance, with 5 per cent considered as savings. 1 do not necessarily recommend fKi« particular program. I realize that each man’s insurance require ments must be patterned to fit his particular circumstances—but I do like the idea of an insurance for mula and thus am passing this one on as a starting point for anyone who wants to plan a personal pro- § HOME Bv MAh t t>. OAuUjl There was a time when, if some^ thing went wrong with the plumb ing. you called the plumber, and before you were greatly inconven ienced everything was fixed up and you forgot all about plumbing prob lems. But times have changed and one ef your home’s most precious pos sessions is the plumbing. It’s precious because it's made of irre placeable metals add if anything goes wrong it may be just your hard luck for some time. So you should take exceptionally good care of your priceless plumb ing fixtures and pipes. Give them routine daily attention and periodic checkups. Do this and you will be rewarded with faithful service be cause after all it's abuse more than use that creates a plumbing break down. \ Protect the enamel on your plumbing fixtures. Keep it clean and you’ll keep its fine textured surface intact. Once enamel is scratched or pitted it becomes in creasingly hard to dean. You can protect enamel by frequent clean ing with soap and water or a mild commerical cleanser. Be scrupu lous about the cleaning and you’ll prevent most trouble before it starts. Strong solutions or harsh abrasives in cleaning are likely to eat the enamel as well as the dirt. Don’t let fruit or vegetable juice, tea or coffee grounds lie on the sink’s enamel surface. The acid in juices will attack and ruin the enamel. Be careful not to chop ice or use a- sharp knife to cut down on an enamel drainboard. It’s hard on the ‘ knife and worse oa the drainboard because enamel scars will result. Watch the fixtures in the bath room. Don’t stand in the tub with shoes on to pot op curtains and such and don’t let yourself or any body else polish shoes on the rim of the tub. Wipe up spilled medicine and cos metics immediately. Keep all the drains fit top effi ciency. Quite aside from the in convenience of fi Sluggish drain, sanitation is completely dependent on the waste hhCs operating prop erly. , Don’t let grease, coffee grounds and other waste wash down the sink drain. Keep a good garbage strainer in the Sink to take all waste and after the sink Is cleaned flush it out well with lots'of clean hot water. " j Faucets can cause trouble, too. Don’t let leaks go unrepaired. They waste water and the hot water faucet that leaks also wastes the fuel that’s used to heat the water.) Furthermore, die dropping water may discolor the enamel on the fix ture below. So the minute you have a leaking faucet j . .washes, -X- ** By Elliot Pine Walter Camp, “father of foot ball,’’ who established the All- American teams, was famous as a player, a coach, and an organizer. He foresaw that football would be come the prime favorite body con tact game. He developed a number of standard plays. He was the first coach to send back a guard or tackle, and then have that play er cut to right or left. His system depended more on speed and strength than clever deceptions and intricate plays. Hard tackling, aggressive lines were his specialty. His backs had to be experts at kicking and punting. The American league, known in some quarters at least, as the “sluggers’ league," hardly lived up to its reputation last season. . . . Vern Stephens, top man in the American circuit, batted 109 runs, while the National leapuer. Bill Nicholson, clouted 122. Abe Cole man, the wrestler, weighs 200 pounds, although he stands only 5 feet, 6 inches. Another pudgy ath lete, Tony Galento, who carries about 230 pounds on his 5 foot, S inch frame, is said to be planning a bout with a soldier named A1 Hart. At the other end of the scale is George Mikan, center on the DePaul U., Chicago, basketball squad. He stands 6 feet, 9 inches, and is slenderly built. His team won 7 out of 8 games in the early part of the season, amassing 481 points. British professional hockey play ers, who played to crowds as large as 100,000 per game in peace times, get about $32 a week. Every man receives practically the same salary . . . the star system is not favored. More than a billion dol lars was wagered on horse races last year through legitimate chan nels ... it is estimated that prob ably 3 billion more was bet at “bookies." . . . the closing of American race tracks shuts down the sport handling the largest sum; of money, by a big margin. Pos sibility that small tracks in Canada,! Mexico or Cuba might be operated for the benefit of American horse- players and horse-owners has been rendered more than doubtful by the stern position of the Office of De fense transportation . . . race horses will not be accepted for ship ment excepting to home stable*. i .gram. It’s always easier after the ice is br-kon. Why make it neces- :ary for livestock to break the ice r .’- to c-t needed water? Ginning Improve ment Good; More Needed Clemson, Jan. 13. — Congratu lating the state’s cotton ginners on the very good record made during the current season, S. A. Williams, cotton ginning specialist of the Clemson Extension Service, declares that the amount of rough- ginned cotton has been the small est since records have been kept. Reports through Dec. 1, 1944, show that only 10.8 per cent of sotton was rough-ginned despite che fact that the season was per haps the worst since 1928, says Mr. Williams. This is one-third less than in the previous season and about one-half that of the 1942-43 season. If the ginners can continue this improvement for two more years. South Carolina should have one of Jhe best records of any state in the Cotton Belt. To continue this improvement, however, it will be necessary for the ginners to keep heir present equipment in the best possible state of repair and to add some new equipment from year to year. The seed cotton dryer has done much to eliminate rough prepara tion, and more gins should be e- quipped with dryers. IPrecleaners and cleaner feeders also have aid ed greatly in cutting the amount of rough ginning. The speeding up of slow gins has been another Important factor in reducing the amount of rough ginning. There are no priorities on gin ning equipment at the present time, Mr. Williams states, and gin ners who will place their orders now will be able to secure: dryers, precelaners, and cleaner feeders or even a complete new ginning out fit for next season. However, the orders must be placed soon, for the manufacturers can build only a limited number of machines and will sell these on the basis of "first ome, first served". X Get Garden Supplies Early And Be Ready Clemson, Jan. 13. — January is seed catalog time and seed catalog time is garden planning time and ordering time for seeds and sup plies, says A. E. Schilletter, exten sion horticulturist and Victory garden leader. A good rule for Victory garden ers this year, says Mr. Schilletter, is: Buy supplies early but buy no more than you need. It’s patriotic to buy no more than you need but it’s wise to buy early. This year supplies of vegetable seeds promise to be adequate for all Victory gardens, according to word from the U. S. Department of Agriculture. Favorable weather last year in areaa v where seeds are grown commercially resulted in a bumper crop. However, gardeners are advised to order as early as possible. Shortage of help may uican a delay in orders that ar rive in a rush at the eleventh hour. As for fertilizer, supplies though not quite so large as last year are itill large enough to meet Victory garden needs. The same grades used in 1944 for various parts of che country will be on the market again this year. For the Atlantic Seaboard the fertilizer formula a- gain will be 5-10-5. Wise gardeners will buy insecti cides early, says Schilletter. In secticide supplies will be about as .urge this year as last. Rotenone, nc of the most popular insecti cides for dusting in gardens is in .oout the same supply as last year. Many gardeners who waited „o Luy rotenone last year until flea beetles and bean beetles had actually arrived, had to use cryo lite instead because stores had run jut of rotenone. —X- "Most people think that the war vill be followed by what is called i period of transition, during tfhich there will be a shift back to peacetime living. Most people do not wish to see that shift become the same kind of ‘back to normal cy’ movement that followed the 'ast war, characterized by infla tion followed by deflation, which left agriculture as the ‘sick man’ of our American economy. If forethought can forestall what happened before, by all means let us develop postwar plans, provided it in no way slows down the main thing—the war effort," — Clemson Extension Director D. W. Watkins. MOVE TO ER0 POWER SHORTAGE Act to Meet Demands of : Industry and Sen ices i ^ By AL. JEDLICKA With war industry in need of additional workers for in creased production in certain lines, and with the services requiring more men, the nation's officials moved along a broad front to meet the critical manpower situation. Capping the intense activity,^ - —— President Roosevelt called upon congress for a national labor draft, declaring: "... It would assure that we have the right number of workers in the right places at the right time. ... It would provide supreme proof to all our fighting men that we are giving them what they are entitled to. . . . And it would be the final, unequivocal an swer to the hopes of the Nazis and Japanese that we may become half-hearted about this war and that they can get from us a nego tiated peace." Aside from the President’s recom mendations for the induction of 4-Fs in unessential occupations and of nurses, congress was ex pected to offer little support for a labor draft. First recommended by Mo bilization Director James F. Byrnes, the draft of 4-Fs unengaged in essential activities was embod ied in a bill introduced by Repre sentative May (Ky.), providing for their induction into army service battalions without receiving such benefits as insurance and muster ing-out pay if they do not take war jobs. “I think we should utilize thf 4-Fs first and if we do that then it is likely there will be no need for a national service act," May said. “There are more than 4,000,- 000 men . . . and if we get 1,000,- 000 from this pool our manpower troubles should be solved.’* The President’s call for the in duction of nurses also was ex pected to receive congress’ serious attention, what with recruitment having fallen below actual needs in the face of mounting casualty lists in Europe and the Pacific. *T understand there are hospitals where one nurse cares for about 26 beds," May said, “and with casual ties mounting each nurse probably will have to care for 50 beds un less we get . . . 20,000 additional nurses." Approximately 48,000 nurses are in the services out of some 180,000. With opinion divided in congress, labor took a forthright stand against a national service law on the strength of its impairment of individual liberty. “Production cannot be bettered by forcing people to the work bench and machine,’* a CIO official said. “Every time something goes haywire, either through bad plan ning or not setting the sights high enough, the hue and cry goes up that labor is falling down on the job.” Declaring that it is possible to work out a satisfactory solution of the manpower problem through a voluntary program, an AFL official said: “The better the people are informed of the gravity of tee situ ation, the greater the response will be.” As its part In helping to ease the tight manpower situation, selective service ordered a review of the draft deferments of approximately 365,000 farm youth between 18 and 25 years of age. and also called for the induction of all men up to 38 if they change jobs without per mission of local boards. Proposed at the time he called for the draft of 4-Fs, the move to review the deferment status of the rural 18 to 25s also was first brought up by Mobilizer Byrnes, who stated that this group consti tuted the largeak pool of young eligibles. Unless substantial num bers of the 19 to 25s are to be taken, it was said, selective serv ice would have to dip into the 26 to 29 age group in industry, threat ening war production. Farm leaders protested that in duction of the 18 to 25s might seri ously impair the food program since the farm labor supply already was tight, with operations main tained through working longer hours and exchanging help and ma chinery. In this, it was said, farm ers also were fortunate in enjoy ing the most favorable harvesting weather. Should substantial numbers of the 18 to 25s go in, farm leaders said, there might be a drop in cattle, hog and dairy production as a result of the shortage of hands and the need for getting the field crops in. To bolster the effectiveness of its order calling for the induction of all men up to 38 leaving teeir jobs without notifying their local draft boards, selective service announced that It would lower its physical standards to permit the drafting of all such individuals who might otherwise fail to qualify for mili tary duty. At the same time, it was vealed that the war manpower commission had revised Its list oC* essential activities to guide draft boards in determining tee esi tiality of occupations. Although activities were said to have been dropped, tee WMC did list some j positions as more critical than ote-1 ers, thus making teem more able. Six* Inch ISmtiMi t REV. ROBERT H. HARPER f iJfi. „ Memory] mrh ytnon ahe ^ ^ k The first aectii Ttells of theW“ [and of tefite* 1 Iwhat teeXi [ness in havlng^and enj oyinf I teaches teappiness as,Being. v»* ! heart, it cannot c6me or be . stroyed from without. « Strong drink, one of the greatei curses known, usually leads to joins with mahy vices. TJfcrC' Imagined happiness for ' gives way to multiplied Drunkards bring woe upon them selves, and they and traders upon men’s appetites can never find hap- , piness. i t Happiness' is found only through, .an all-inclusive love. s £Men love] (those dear to them, but they,must] i love everybody, even their enemies/ i In teaching this, Jesus would lead] < men to abiding happiness. - The , summnm bomam, the highest good/ , ideal of the ancients, can be ; reached only by loving hearts. The' Great Teacher bids men strive for perfection of life—they are to be perfect as their “Father in heaven is perfect.” Can men be as per fect as God? No. They must be 1 perfect as men, while the Father ’ is perfect as God. They can be ' perfect in affections and motives when they are perfect in love. Can love be had from a mail-order house or bought at the bargain counters? No. It is the gift of ‘ God—made to those who lift hearts of faith to Him and, truly asking, DR. HENRY J. GODIN Optometrist Specialist in correcting Errors of ^ Sight, Eye Headaches, and Crossed Eyes. * Eyes Thoroughly Examined the Modern Way with out dangerous—Pupil Dialating Drops. Reference, ask your friends about my Reputation. Offices, 956-956 1-2 Broad Street, Augusla, Georgia. receive. & FINAL SETTLEMENT STATE OF SOUTH CAROLINA, County Of McCormick. In The Court Of Probate. Notice is hereby given that James M. Rosenswike, Executor of the estate of George C. Rosen swike, deceased, has this day made application unto me for a final ac counting and discharge as such Executor, and the 2nd day of Feb ruary, 1945, at 10 o’clock, A. M., has been fixed for the hearing of said petition. All persons holding claims a- gainst said estate are hereby no tified to present same on or by above date. J. W. CORLEY, Judge of Probate, McCormick Co., S. C. January 2nd, 1945.—4t. Buy Your Furniture From J. S. STROM Easy Payment Plan. No Carrying Charge. v McCormick, S. C. A &