one’s life for as Walter Scott makes 
Jeannie Dean to say: ‘‘Alack! It 
is not when we sleep soft and wake 
merrily, that we think of other peo- 
ple’s suffering but when the hour of 
suffering comes.’’ 
The Good of Beverly Farms. 
_ Has there been a civic awakening 
:* the good of Beverly Farms? It 
looks that way and the awakening 
should be continued and the gain al- 
ready made held and new additional 
gains made. The old booths have 
been removed and a beautiful pa- 
f yilion, or bathing house, has taken 
Tits place. The outworn and value- 
less fire equipment will soon be re- 
laced by a modern piece of ap- 
paratus. Beverly Farms should 
have had these things before and 
the suecess which has attended these 
_ two movements is only a foretaste 
of what can be done in other direc- 
ions if there be a unity of purpose 
and action. When the time comes, 
_ there will be a new municipal build- 
ing to house the public library. 
(Any time will be a good time.) 
The Beverly Farms Improvement 
; society has taken an interest in 
“spotless town’’ and the barrels in 
the square and ‘‘the goodies’’ at 
work each day cleaning the streets 
of papers and refuse have added 
much to the attractiveness of our 
village. Now, at last, a concerted 
move is to be made for a_ larger 
street cleaning appropriation, — 
those in authority locally have al- 
ways been faithful to the hmits of 
their appropriation,—and_ better 
sidewalks. This is another sign of 
the awakening . The movement has 
started right and only. in this way 
ean Beverly Farms gain. In the 
_ plainest. English, nothing can be ac- 
complished until the all-year resi- 
dents and (for the want of a better 
term), the summer residents, work 
together for civic ends. One of the 
encouraging features of the new 
movement is that the committee is 
representative. The distance _ be- 
tween the local population and the 
owners of estates is too great for 
wholesome, democratic, town life. 
When there is agreement along civic 
lines there will be a rich reward in 
local improvements and not until 
then. The ward pays enough in 
taxes to have anything it wishes,— 
within reason. The ward must 
speak up ‘‘real loud’? to be heard. 
The petition signed by the ‘‘summer 
‘people’’ turned the tide in the mat- 
ter of the new engine. The mayor 
was frankly against the order and it 
looked like a ‘‘veto.’? The ward 
was surprised when the order was 
Bgned: This should teach the ward 
NeOF RTH 
Ree Lie Qe) ioaeda 
Ber Riise He Zee 
21 
a lesson and particularly the sum- 
mer residents. The permanent resi- 
dents are united in their requests. 
Let it be fortified by a well planned 
civic movement participated in by 
both the permanent and the sum- 
mer residents and results will be ac- 
complished. The appointment of 
the new committee on sidewalks is 
representative and appointed in 
harmony with such a plan and with 
a unity of action the sidewalks will 
be laid. It is a time for the sink- 
ing of selfish interests to unite in a 
specific plan of village improve- 
ment. It is already known that the 
ward through its alderman can ask 
for a division of the sidewalk appro- 
priation. One-sixth of the total 
amount should be available in Bev- 
erly Farms. Then, when it is avail- 
able a plan of construction should 
be made. There should be a method 
of construction united upon. A 
plan of the village should be laid 
and all of the money used to lay 
sidewalks according to the agreed 
upon plan, then it will not be many 
years before Beverly Farms will be 
provided with sidewalks of uniform 
construction on all its streets. The 
Improvement Society have set for 
themselves an interesting task and 
their efforts are bound to be success- 
ful. 
Massachusetts Banks 
There is no state in our country 
wherein the public has better pro- 
tection and service from its banks, 
particularly the savings banks, than 
in Massachusetts. It has been the 
policy of the legislature to protect 
the public by wise banking laws in 
order to give the maximum of re- 
turn with the minimum of risk. 
Primarily intended to assist small 
investors to place their funds at in- 
terest, the Savings Banks have been 
successful and enjoy a_ confidence 
with the people which is invaluable. 
Every effort has been made and ex- 
ercised to teach the citizens of 
Massachusetts, thrift and the laws 
of financial increase, without weak- 
ening their own business initiative. 
In this respect the bank laws and 
state protection methods of Massa- 
chusetts have been copied, as models, 
frequently, by other states. 
The State has a_ practical over- 
sight of the banking system for the 
protection of investors. This over- 
sight and care has resulted in great 
gains to the community. It has 
placed funds at the disposal of bor- 
PU [eA9zVTTOO OTGVNTVA YIM SLOMOL 
honor to continue legitimate prop- 
ositions to a successful termination. 
It has also given the lender a safe 
custodian for unusued capital with 
an assured income. The..state has 
profited. Many a eitizen’ today 
owes his home, owned now  out- 
right, to the helpful ageney of the 
Savings Bank. The number of 
homes which have jbeen built di- 
rectly or indirectly by the funds ad- 
vanced by Savings Banks would be 
surprising. Now added help and 
oversight is to be given. Borrowers 
and depositors are to receive notifi- 
eation of the amount of the loan 
charged against them or the rate of 
interest the bank books show. This 
is a valuable check which must. be 
productive of good. It will mean a 
state wide ‘‘taking of stock.’’ It is 
a lamentable fact that many men are 
deficient in business acumen and 
eare and this work of the state will 
help him as well as give an official 
verification to him who is a careful 
accountant. 
Red Cross Is Now Official. 
The relation of the American Na- 
tional Red Cross to the military 
arms of the United States was defi- 
nitely established by President Taft 
in a_ proclamation made public 
Wednesday. It announced that the 
Red Cross ‘‘is the only volunteer 
society now authorized by this gov- 
ernment to render aid to its land 
and naval forces in time of war.”’ 
Any other body desiring to render 
similar assistance could do so, the 
President said, only through the 
American National Red Cross. 
National Director E. P. Bicknell 
of the Red Cross explained today 
that the proclamtaion settled all 
doubt as to the authority of the Red 
Cross and obviated» any friction 
which might lessen the efficiency of 
relief work. 
MANCHESTER 
Joseph McNeary has been quite ill 
at his home on Summer street,’ 
suffering from pneumonia, but is im- 
proving rapidly. 
In the list of awards by the Bos- 
ton and Maine railroad for floral 
displays at their depots the West 
Manchester station won the $15 
prize. 
Mrs. George R. Dean has been re- 
appointed physical instructor at the 
Young Woman’s Association, Sa-— 
lem. She will start her classes on 
Monday, October 9th. 
The’ Ever Ready circle, King’s 
Daughters, will meet with Miss 
Leonard, Ashland avenue, Monday . 
night, October 2d. 
Mr. and Mrs. George F. Parker of 
Malden visited with Mr. and Mrs. 
R. BE. Newman, Pleasant street, on 
Sunday. 
