R.

Pacific Coast Conference Suggestions.

HOLTBY MYERS, of Los Angeles, Cal., has submitted the following tentative program for the next session of the Pacific Coast Conference. These suggestions are intended as a groundwork and are presented with the hope that others interested in the Coast Conference will come forth with suggestions that will place the proceedings of these meetings on a high standard, with the thought that something may be developed that will be accepted by the other regional conference organizations throughout the United States.

Mr. Myers' outline is as follows:

1. That a Pacific Coast Conference of building and loan men be held annually on or about the twelfth day of February (Emancipation Day). 2. That said Conference be open to all officers and directors, as hereinafter set forth, without regard to residence or the location of the particular organization which they represent.

3. That the purpose of said Conference shall be to promote the general welfare of building (savings) and loan associations; to procure uniformity of law, practice and procedure; to promote the principle of co-operative saving for home building; to further a wider knowledge of building and loan practice and benefits by education and publicity; to secure the proper consideration of all questions affecting the customs, laws and best interests of the building and loan movement, particularly in the Pacific Coast territory and generally throughout the United States.

4. That the action of said Pacific Coast Conference shall be confined to informative and educational discussion, debate, recommendation and resolution, without in any way being other than advisory and subordinate to final action or activity under and through the regularly organized State Building-Loan Leagues or the United States League of Local Building and

Loan Associations.

5. All persons qualified to participate in any regularly organized State Building-Loan League or the United States League of Local Building and Loan Associations shall be accepted and qualified as a voting member.

6. That an appropriate organic law be drafted so that the business of said Conference shall proceed with due regularity and expedition.

7. That said organic law provide for the appointment of an executive committee duly elected or appointed from or by those attending said Conference, from the following states: Washington, Oregon, Idaho, Utah, Nevada, Arizona and California, it being the intention to include all these states as duly organized state leagues are formed.

8. That the said executive committee shall consist of two representatives from each of the said states, and from said executive committee shall be elected the following officers: President, Vice-President and Secretary-Treasurer.

9. That the sessions of the Conference shall consist of—

1. Evening session of Executive Committee.

2. Morning session to receive reports and the presentation of written papers and oral addresses.

3. Afternoon session to consider and discuss publicity, promotion and education.

4. Evening banquet and formal addresses.

HAPPINESS grows at our own fireside and is not to be picked in stranger's gardens. That is the real charm of a home of your own.

Utah League Organized.

REPRESENTATIVES of twelve associations, out of the

thirty or more doing business in Utah, met at Salt Lake City, September 19, and formally organized the Utah League of Building and Loan Associations, "to foster, promote and protect the interests of its members." The initiation fee as well as the dues thereafter were fixed at $2.00 for associations having assets of less than $40,000 and at fifty cents for each $10,000 of assets or part thereof for associations having assets of $40,000 and over. The annual meetings are to be held within the first ten days of the month of April.

The following officers were elected: Arthur Parsons, president; H. M. H. Lund, vice-president; Thorvald L. Larsen, secretary and treasurer.

Executive Committee-Arthur Parsons, H. M. H. Lund, Thorvald L. Larsen, Herbert E. Smith, S. E. Cassity, S. D. Decker.

The NEWS hopes that the other associations of the state that have not yet enrolled as members will not delay doing so. need the League just as much as the League needs them.

In Memoriam-Herman Brockman.

They

Herman Brockman, formerly a well-known building and loan association secretary, and official of Cincinnati, died September 21, 1922, at St. Louis, Mo. His funeral was held at Cincinnati, on Monday, September 25.

Mr. Brockman had been identified with the building and loan association movement in Cincinnati, since its organization, having been secretary of a number of associations as well as being instrumental in organizing some of the most successful in this city.

In the later years of his life he became identified with the Missouri State Life Insurance Company of St. Louis, and was comptroller up to the time of his death.

His many friends in the building and loan movement mourn his loss.

North Carolina League Proceedings.

The proceedings of the nineteenth annual meeting of the North. Carolina League of Local Building and Loan Associations have been printed in a condensed form that conveys almost at a glance what has been done at the meeting and fully serves its purpose.

"Life's Collateral."

WN Your Own Home" campaigns have been sweeping over

"OWN

the country and have no doubt instilled in the hearts of many a longing for more cheerful surroundings. Diverse methods have been employed to carry this message to the masses, such as expositions, addresses, all kinds of printed matter, etc. But so far the screen, the most effective visualizer of all, has not been called upon to the extent that it is able to serve. A step in this direction has been made in the filming of Life's Collateral," a photoplay in three chapters or episodes, namely: "The Sowers," "The Reapers," and "The Harvest." It is avowedly and solely designed as "Own Your Own Home" propaganda, and accomplishes that purpose by way of contrast in an interesting and attractive style. In order not to consume too much time the episodes are arranged so that they can be shown one at a time in connection with regular photoplays at the movie theaters. It is particularly well suited for exhibition at meetings of civic organizations, lodges and societies. While it does not carry a direct building-loan message, it is an excellent "Own Your Own Home" argument.

Exclusive right to present the photoplay at different motion picture theaters in Cincinnati and vicinity was secured by the Enquirer, as a part of its "Own Your Own Home" campaign, launched in connection with representative institutions identified and interested in the development, building, equipping and financing of more and better homes.

Ohio League Convention, November 14-16.

"The best and biggest ever," is the way the Ohio League officials refer to the coming convention, to be held at Columbus, November 14, 15 and 16. A program of unusual interest has been arranged by Secretary Devine and his associates. Prominent speakers have consented to appear and have indicated that they will discuss subjects that are of live, present-day interest.

That there will be a large attendance goes without saying, for the building association people of Ohio are solid on the advis ability of attending conventions, as has been amply proven by past state conventions as well as by the last national meeting where Ohio furnished about one-third of the total attendance.

The meetings will again be held at the Deshler Hotel.

Greatest Decade of Them All.

WHEN Gilbert L. Byron was asked: "What, in your opinion, is the greatest and best decade in the world's history?" he promptly replied: "The best time is now, the best place is here."

Continuing, he said that we are now living in the most wonderful era the world has ever known. Within the recollection of those of us whose hair is tinged with gray, and others whose bump of intelligence has pushed the hair aside, we have seen electricity harnessed to do man's most whimsical bidding; the X-ray has not only searched the innards of the human frame. divine, but light has been forced into the innermost workings of business; the air has been conquered and no one need ever be "up in the air" with regard to his present standing; we have the vacuum cleaner and some of us still cling, without rhyme or reason, to the vacuum building association account.

This is the day of co-operation. In the building and loan associations we have the most successful form of co-operative saving and home-building; everything is free and above board; conventions are held to benefit the movement, because the benefit of each is the benefit of all; interchange of ideas is part of our very life and growth. We don't have to wait nowadays till we have time to work out all the details of our progress; if we will but exhibit a reasonable degree of faith in our fellow workers, we may easily profit by the experience of others.

Co-operation has built the greatest institution the world has ever known-the United States of America. Co-operation will, if rightly directed, achieve any conceivable possible result. No one can accomplish great things alone. Unity attains strength. Co-operate and keep step with opportunity.

FOR your own satisfaction, suppose you jot down on a piece. of paper a list of all the things you did yesterday.

This may seem sort of a childish thing to do, and perhaps you will wonder where you can get enough paper on which you can make such a list. But after you get started at the task you will soon see that even a very small piece of paper will suffice, and that when actually set down in black and white, the various items which apparently filled up a very busy day are really astonishingly few in number.

Try it. The result will surprise you. It may also make you a little ashamed of yourself to think that you are accomplishing so little.

Beware the Woodpeckers!

SOME people have no system in spending their money. They seem to be chasing whippoorwills all the time and are not unlike the animals in the following story:

A neighbor was calling upon an East Texas farmer. As they were sitting on the porch a bunch of slab-sided hogs, that had been lying peacefully just inside the orchard gate, suddenly scrambled to their feet and started off through the trees "lickity split." In a short while they returned, but no sooner were they comfortably located than they were off again through the trees as if they were shot out of a gun.

This performance was repeated several times, much to the visitor's amazement; the only variation being the direction they started. He finally exclaimed: "What in the world is the matter with those hogs?" The farmer replied: "Well, about three months ago, I caught cold and lost my voice and couldn't call them to corn; so I trained them to come by tapping on a log with a stick, and do you know, now, the confounded woodpeckers are running them to death!"

Don't be fooled by false alarms. Be sure you need what you buy and buy only what you need. A practical way to thwart the lure of the woodpeckers is to join a building association and get the habit of putting your money where it will do the most good.

Falling Prices and High Interest Rates.

How well I remember, as a young lawyer, the days of the '80s and early '90s, when family after family with haggard, tearstained faces, stood before the auctioneer "in front of the west door of the court house" to see their homes sold to pay the principal of the mortgage and the accumulation of the eight per cent interest, plus commissions, that was then the going rate;— driven to bankruptcy by a falling market for labor and farm products, and a high rate for money. Another such crisis must be avoided. Again I say that experience has shown us no time. when the conjunction of low prices for commodities and labor, with high cost for money, brought anything but disaster to the people. We will be wise to remember, that falling prices and high interest rates are never the twin sisters of prosperity; and no more for the banker than for the general public. High interest rates and prosperity were never bedfellows. Bankers will do well to have thought for the happiness and prosperity of the borrower, ever remembering that "the quality of mercy is twice blessed; it blesses him that gives and him that receives." D. R. Crissinger, Comptroller of the Currency.