169 



WHEREAS, We regard such a law unfair and wrong in principle; 

 therefore, be it 



Resolved, That we demand that this law be repealed at the next 

 session of the legislature. 



FOREIGN CREDITS. 



Resolved, That the State Farmers' Institute urge upon Congress the 

 passage without delay of a law that will enable us to sell our surplus 

 crops abroad on credit. 



Mr. ABBOTT: That is along the line of Mr. Vrooman's talk last night. 

 Resolved, That we express our hearty thanks and appreciation of 

 the generous and courteous welcome and treatment accorded the Insti- 

 tute by the Chamber of Commerce, the Warren County Farm Bureau, 

 the Y. M. C. A., the Warren County Farmers' Institute, the local news- 

 papers, Monmouth College for their splendid music, the church and the 

 people and business men of Monmouth and vicinity for the hearty 

 cooperation and active assistance in making the twenty-seventh annual 

 meeting such a splendid success. 



Mr. ABBOTT: That completes the report of the Committee on Resolu- 

 tions. It is signed by A. N. Abbott, Frank S. Haynes, George A. Switzer, 

 E. W. Wilson, and C. V. Gregory. 



Mr. President, I move the adoption of this report and the resolutions 

 as read. 



PRESIDENT MANN: You have heard the report of the Committee on 

 Resolutions. Are there any question? 



PRESIDENT MANN: The motion is made and seconded that the re- 

 port of the Committee on Resolutions be adopted. All in favor of the 

 motion indicate by saying "aye." Opposed, "no," The motion is carried 

 and the resolutions are unanimously adopted. 



FRIDAY AFTERNOON SESSION. 



February 24, 1922, 1:30 o'clock P. M. 

 Solo Mrs. Lois Fowler Getty 



PRESIDENT MANN: How are we going to spend our money when we 

 don't have it? How are we going to spend it when we have plenty? Miss 

 Wardall is going to discuss "The Use of the Income." [Applause.] 



THE USE OF THE INCOME. 

 (Miss Ruth A. Wardall.) 



It would be very nice if I could tell you how to get more money to spend, 

 but that is not my business. I am sure that you have some, or you would 

 not be here. 



It is rather interesting, when we stop to think about it, that so much 

 of our time and so much of our effort goes into the earning of our income. 

 We are chiefly concerned with the getting of it, and as I often say, I really 

 think we should give our incomes the respect of stopping to think a little 

 about how we are going to use them. 



The use of the income! What are we going to do with it? That is the 

 thing that does not claim enough of our attention. Our incomes, I think, 

 are worthy of some thought. They will certainly accomplish more if we do 

 think about them, than if we do not think about them. 



As one starts a discussion of the income people will begin to talk about 

 spending. That seems to be the thought that is in their minds. That is one 



