NORTH SHORE BREEZE 
THE YOUNG MAN’S CREDIT 
Roger W. Babson says in one of his financial articles in the Saturday 
Evening Post: 
‘To the young readers of the SATURDAY EVENING POST, I say: 
Open a bank account; in fact, you should have two bank accounts— 
one for a rainy day, and one for a check account. These should be 
your first investments. 
The four cornerstones of 
Health. 3— Intelligence 
to write upon all four 
namely, Credit. 
Although there are many ways of acquiring 
and most useful way 1s to connect 
business suecess are: 1—Character. 2— 
and judgment. 4—Credit. Now, I should 
like factors, but I shall limit myself to the last 
credit, the easiest, most 
satisfactory oneself with banks. 
Many refer to banks only as a place for depositing money; but to me 
this is least of the many reasons why a young man should have one or 
more bank accounts. The chief reasons why every young man should 
have bank. accounts are: 
1. To establish a credit for later use. 
2. To create a source of advice relative to financial matters.’’ 
Manchester Trust Gompany 
MANGHESTER-BY-THE-SEA 
RAYMOND C. ALLEN 
Assoc. Mem. Am. Soc. C. E. Member Boston Soc. C. E. 
CIVIL ENGINEER 
Investigations and Reports—Design and Superintendence of Con- 
struction—Design of Roads and Avenues—Surveys and Estimates. 
Established 1897 
LEE’S BLOCK, MANCHESTER TEL. 73-2 and 3 
Postoffice Block | 
Bullock Brothers, Fine Groceries 
Vouve Chaffard Olive Oil, Swansdown Flour, Brigham Creamery Butter 
PL GATS ERROR BIR LALY oP 
Telephone 190 MANCHESTER-BY-THE-SEA 
AGENT FOR HILLCREST WATER CO. 
S. S. Pierce Co.’s Fancy Groceries 
MANCHESTER FRUIT STORE 
KBEAGH STREET, MANCHESTER 
ORANGES : 4 3 - : All Prices 
MALAGA GRAPES - : = - 15c & 18c lb. 
FANCY XMAS CANDY =- : a 2 |b. 25c. 
CHOCOLATES (in fancy boxes) : All Prices 
LARGE LINE OF FRUIT, GRAPES, NUTS, GANDY, CICARS, ETG. 
aa PAINTING AND 
A. Js ORR i= PAPER-HANGING 
Dealer in PAINTS, OILS, GLASS, PUTTY, ETC. 
A full line of PATTON'S SUNPROOF PAINT and Specialties. 
Bennett Street ¢ +. TCIEDNONG 4d « Manchester, Mass. 
)ppnaite High School 
MANCHESTER CHURCHES 
BAPTIST CHURCH—Rev. A. G. 
Warner, pastor. Public worship, 
10.45 a.m. Bible school, 12.15, ves- 
try. Men’s class, 12.15, auditorium. 
Young People’s union, 6.00. Eve- 
ning service, 7.00. Prayer meetings 
Friday evening at 7.30. Communion 
first Sunday in the month. All 
seats are free at every service. 
ORTHODOX CONGREGATIONAL 
—Rev. L. H. Ruge, pastor. Sunday 
morning worship, with sermon, 
10.45. Bible school 12.00. Evening 
worship with sermon, 7.00. Prayer 
meeting Tuesday, 7.30, in the chapel. 
Woman’s Missionary society the Ist 
Thursday of each month. Sittings 
ean be obtained of A. S. Jewett. 
SACRED HEART CHURCH—Rey. 
Mark Sullivan, pastor. Masses, 
7.00, 8.30 and 10.80 o’clock. Sun- 
day school at 2.30 o’clock. Rosary, 
Instruction and Benediction of the 
Blessed Sacrament, 3.30  o’elock. 
Week Days.—Morning mass at 7.30 
o’clock. Advanced class Friday 
evening at. 7.30° o’clock. 
The Ever Ready cirele, King’s 
Daughters, will meet with Mrs. 
Calderwood next Monday evening. 
Harmony Guild will meet next 
Monday evening at the Chapel at 
7.45. 
The Ladies’ Social Cirele will 
hold a supper at the Chapel Wed- 
nesday evening, January 17th, at 
six o’clock for members. — 
The YPSCE and the BYPU will 
hold a union meeting at the Baptist 
echureh at 6 o’clock, Sunday eve- 
ning. 
Church at Gloucester 
The observance of the Feast of 
the Holy Name will take place in 
the Cathohe churches next Sunday, 
and in observance of the day a 
union service of the Holy Name 
Societies connected with the Catho- 
lic churches in Gloucester, Rock- 
port and Manchester will be held at 
St. Ann’s church in Gloucester in 
the afternoon at 3.30 o’clock. Rev. 
William J. Dwyer, permanent rec- 
tor of St. Ann’s church, will preach 
the sermon. 
Patrick Guinivan Dead 
Patrick Guinivan, a well known 
citizen of Beverly, passed away 
Monday evening after a long illness 
at his home on Atlantic avenue, that 
city. In his boyhood Mr. Guinivan 
lived in Manchester. The death is 
the first break in the family for 
nearly fifty years. 
Lamson & Hubbard Winter Hats 
at Bell’s. 
