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33 
A Land Without Paupers 
The Belgium government fosters 
thrift and prosperity in that little 
country, which though densely pop- 
ulated, has practically no paupers 
nor do the people emigrate. Here 
it is that thrift may be found on 
every hand, thrift, of the individual, 
thrift of the family, co-operative 
thrift, national thrift and prosperity 
in the face of the keenest competi- 
tion of its powerful neighbors, Eng- 
land, Franee and Germany. 
The government, instead of pay- 
ing old age pensions and dispensing 
charity, has machinery for the en- 
couragement of thrift and thereby 
for the prevention of dependence. 
It pays the individual interest on 
his savings, it insures him and it 
will give him an annuity if he saves 
to pay for it. 
In the government savings bank 
deposits may be made in every post- 
office of the Kingdom and in all its 
branches of the National Bank. 
The minimum deposit is one france. 
There is no maximum. The govern- 
ment provides in a special way for 
those who cannot put aside so large 
a sum as a france at a time. It 
authorizes smaller deposits by post- 
age stamps in order to encourage 
school children, farm laborers and 
with them the necessary forms for 
this purpose, and urge the public to 
make use of the savings. bank in this 
way. 
Life annuities may be contracted 
for at all branches of the savings 
bank, at all postoffices, and at the 
offices of all tax receivers. The 
minimum payment that may be 
made and the smallest annuity paid 
by the fund is one frane, while the 
largest is 1200 franes. The annui- 
ties become payable at the end of 
each completed year from the age 
of 50 to 65. 
In addition to the annuity fund 
there is a government insurance 
fund, the management of which is 
under government guarantee. Life 
or endowment policies may be con- 
tracted for, the latter payable at the 
end of 10, 15, 20 or 25 years, or for 
a period ending at the ages of 50, 
60 or 695. 
This policy has instituted ideas of 
thrift in the minds of the school 
children, it has driven thrift into the 
household where the income of the 
husband or the wife and husband 
combined is rarely spent, and in the 
most cases a liberal margin is left 
for the future. The people -live 
within their incomes. ‘‘Our in- 
come,’’ they say, ‘‘is so much a 
put away something for our old 
days.’’ 
The Belgium household enjoys 
contentment and awaits with pa- 
tience a larger income before buying 
this and that and before going here 
and there; and they do not try to 
keep the pace set by those whose 
means are greater. The observer 
sees on every hand men and women, 
still with the freshness of youth, 
who have retired from active bread 
winning work and are enjoying life 
on the capital saved by reasonable 
economy. They have lived wisely, 
neither slaves nor prodigals and 
their declining years are provided 
for. Surely Belgium sets a good ex- 
ample which might well be followed 
by other nations as the cure of pov- 
erty is among the worst which the 
majority of nations have to deal 
with. The time to save is when you 
are earning. 
If our mistakes teach us nothing it 
were hardly worth while to make 
them. 
Though we may never have lost 
any, most of us are looking for 
money all the same. 
The wise man does not let his wife 
hear him boast that he is a good 
the like; and rural postmen carry year; we must live within it and manager; she knows better. 
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33 Napkins. Worth $6.00 and $6.50 designs. Worth $4.00 at ...... $3.00 3% 
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33 2 1-4x2 1-4 yd. Cloths, for round or 3 
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