WRITING CHECKS
WHEN FUNDS ARE
INSUFFICIENT
Act Is Violation of Law and Subject
You and Banker to Embarrass
men and Perhaps Penalty
Xo matter what you are worth in
the financial world, you cause em
barrassment and put somebody in an
awkward position when you issue a
check you have not enough money in
vour checking account to pay the
check. No matter how much money
vou may have on time deposit; no
matter how big your savings account
iray be; no matter how much busi
ness the bank may be transacting for
vou, it there is no money in the ac
count against which you are check
ing, there will be trouble for some
body.
The law says that any officer or
employee of a bank is personally and
individually liable for any money
that is paid by him on a check that
overdraws the account.
Did it ever occur to you that the
teller who handles your active account
may not know anything about the
monev you have on deposit in the
savings department, and that he may
not know* anything about any time
deposit that you may have, or any
other collateral that you have? The
one thing that is in his mind is the
danger that he is in. The law has put
him in langer. Do you blame him
for watching the balances closely
during his day's work?
The customer who stops to think
will never willingly embarrass his
bankc v by writing a check th:?t is un- f
suppoited by ample funds. It is
against the law to issue such a check,
and it is against the law for a bank
to pay it unless the board of direc
tors. or a committee of the board of
directors authorize the payment in a
formal way.
I>??n't imagine that you are the only
customer of the bank. Put yourself
in your banker's place and you will
realize what it will mean to be in
volved for several hundred or sev
eral th usand dollars every day. Your
banker does not like to hurt your feel- j
ings. He does not like to throw out ;
your check. He knows how sensitive
\< :i are about having it thrown out; i
and while he knows also that the ?
wealthiest of people can sometimes |
make this kind of an error, and that j
it is not the sign that you are down
and out if such a mistake is made, yet
ht would feel much happier if you
and his other friends would handle
your affairs so that there would never
be any occasion for him to have to
throw out your check.
Vou banker is often so anxious to
save you from the same embarrass
ment that you have caused him, that
he will quit his business and go and
telephone you rather than throw out
your check. If you are the only per
son in town that he had to telephone
for this reason, it would not be such
a serious matter; but a hundred other
people have probably done the same
thing. Therefore, your banker must
spend more time trying to patch up
these errors than he has to give to the
bank's legitimate business. Don't
worry him with unbusiness-like mat
ters any mere than is absolutely nec
essary.
This overdraft habit that some
people have formed is one of the
greatest nuisances in the banking
business. Sometimes there is no pos
sible excuse for it. It is caused by
the carelessness of people who do not
stop to think and who do not keep
any record of their transactions. Then
sometimes it is caused by firms that
run too close financially; they begin
to anticipate cash receipts and write
checks before they are entitled to
write the checks. Sometimes they an
ticipate collections and check out the
money before the collections are
FOR OVER
ZOO TEARS
bsarlem ofl has been a world
wide remedy for kidney, liver and
bladder disorders, rheumatism,
lumbago and uric acid condition!.
^?u-t internal troubles, (tfamilate vital
Three area. AO dni?i?t*. I""?*
^tbc original |tnuiM Gold Mmimi.
made; and if the collections do noti
happen to come in on schedule time, I
there is trouble.
It is amusing in financial c:rcle
when a business that has been issuing
bad checks becomes offended and
moves its account because its bank did
not pay an overdraft. The move was
made, perhaps, with the idea that an
other bank would not know about the
'rouble, but in these days you are
foelins only yourseif. Banks know
when people are in trouble financially,
frequently before the people know it
themselves; and when ont bank has
had trouble with your account be
cause of some unbusinesslike prac
tices. other banks are sure to know
about it. So the only thine you can
jain by becoming offended with your
banker and moving your account, is
to turn over a new leaf and try to do
better by the next banker. Really, it
it necessary to overdraw? If you
are safe in overdrawing, won't you be
safe in borrowing and putting the
money to your credit?
New Bulletin Contains
Business Farming Plans
RALEIGH, N. C.. Jan. 27.? How
the cotton farmer of North Carolina
may adopt better balanced systems of
handling his farming: business is dis
cussed in a new bulletin, Extension
Circular 163, recently issued by the
Agricultural Extension Service of
State College.
The publication contains 19 pages
of reading matter. It gives the pres
ent situation in regard to cotton and |
points out the need for growers over j
North Carolina to practice a better \
balanced system x>f agriculture. The j
bulletin does not preach nor try to |
point a moral. It simply calls atten- |
L'on to the need for certain changes !
and shows in detail how these changes
may be made. A11 of the suggestions i
arc based on the result of research !
work at State College and on the prac- j
tices of successful farmers.
Fifty thousand copies of the bulle
tin have been printed in the first edi
| tion and these will largely be distri- |
buted at the series of country-wide
meetings now being held in the cotton |
growing counties. Some of the main !
features of the new publication con
sist of a repetition of the eight points
I of good farming; how much feed is!
needed for work stock; how to haw
the year round garden; how to handle
and grow a farm poultry flock; the
importance of the family cow; the i
family pork supply; the farm Hock of
sheep and a safe cropping program
for North Carolina this season. Un
der each of these main headings there
is a discussion giving facts about the
particular problem.
According to Dean I. 0. Schaub,
this bulletin is one of the most valu
able publications issued by the col
lege in recent years. Each cotton
farmer in the State should have a
copy and they may be obtained free
of charge as long as the supply lasts
by addressing the Agricultural Editor
at State College.
dull feeling
"TWT old stand-by is Thedford*s
Black-Draught ? I have used
it off and on for abont 20 years,"
says Mr. W. S. Reynolds, of
R. F. D. 2, Arcadia, La.
*1 get bilious and have a bad
taste in my mouth. My head
feels dull I don't just feel like
getting around and doing my
work. I know it isnt laziness,
but biliousness.
"So I take a few doses of Black
Draught and when it acts well. I
gat ay fowling like new ? full of
pep" and ready for any kind of
"I certainly recommend it."
In case of biliousness and other
disagreeable conditions due to
an inactive liver, Black-Draught
helps to drive the poisonous im
parities oat of the system and
tends to leave the organs in ?
state of normal, healthy activity.
BlackDrmnght is made entirely
of pare medicinal roots and herbs
ana contains no dangerous oar
tiwinftil mineral drugs. It en
be saftiy taken by evetyoa*.
Sold everywhere. Price 28c.
Whoop-ee/ ,
WE'RE ff?EE AT L?CT.
HERE'S A RECEIPT RDR.
OOB LAST PAYMENT on
"THE MOttTCACr ? HOT
"t)OC / it's inoepen
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REG. XJ.S. PAX OFTiCE
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"DIAMOND R.'NG
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H AVE A C*tz? ALL
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NOW
? ANO ViPVE PAID
Off'Oure. OR.TGACE
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ONE BACK! ON TO
BOY "THAT BlC
6.LUE SEDAN WE
SAW at- rue
SHOW LAST"
Week /
\ THAT'S FINE riOSINesv'
i "PAV Of ONE ho ar&ce
1 AN THEN TAe-E OUT A
I new one on the old
\ Shanty To &uy agar. '
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TlTV HAVE "TO get
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idea our a
iva;io
HEAD-'
That swine growing is becoming: in
creasingly popular in Cra\en county
is shown by the County Commission
ers recently advancing: S2imi -o that
a scale could be put in at the load
ing station. The railroad has also
agreed to build additional pens and
chutes.
Sausage will l?e more uniform in .
flavor it the seasoning is added to the
trimmings before they are ground
rather than to the sausage after it
goes through the mill.
A man convinced against his will is
of the same opinion still.
Because he carefully selects his
herd bull, one dairy farmer in another
state says that ho has increased his
annual production of milk one ton
per cow in ten year's time.
A babe in the house is a wellspring
of pleasure.
made possible by
Volume Production
FISH-TAIL MODELING?
adds a distinguished sweep to
the rear of the Roadster,
Coupe and Sport Cabriolet.
FULL-CROWN FENDERS?
(one-piece which lend sub
stantial grace to the sweeping
body lines.
BULLET -TYPE HEAD
LAMPS ? and cowl lamps.
Up-to-the-minute in style.
<*Jhe*Mo?i Beautiful Chevrolet in Chevrolet Hi ilonf
In addition to masterly new bodies
by Fisher ? in addition to a host of
mechanical improvements typified
by AC oil filter and AC air cleaner
? the Most Beautiful Chevrolet of
fers certain features heretofore re
garded as marks of distinction on
the costliest cars. These are made
possible at Chevrolet's amazingly re
duced prices only because volume
production results in definite econ
omies and because Chevrolet now,
as always, passes these savings on to
the buyer in the form of added value.
No other car, as low in price, offers
such features as fish-tail modeling,
full-crown one-piece fenders, bullet
type lamps and the like. Come in?
and see for yourself!
Reduced :
Prices!
The Coach ^595
The Coupe * 625
The Sedan ^695
The Landau ^745
The Touring 4
or Roadster I
1-Ton Track - tjnr
(CWna Only)
V4-Ton Truck - ft-aoc
(ChaMfc Only)
Balloon Tires Now Stuut
ard On All Model*
AQiwkcsi.o.b.Fiut,Mlch.
The Sport
CABRIOLET
TIRE CARRIER? mounted
free from the body; rigidly
supported by steel brackets
DICKEY MOTOR CO.
SALES AND SERVICE
QUALITY AT LOW COST