McCormick messenger. (McCormick, S.C.) 1902-current, January 18, 1945, Image 2
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
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at tk« roet
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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
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