was ever the strong friend of the legitimate local association. We have lost a distinguished leader, whose directing hand we will miss more and more as time goes on. He lived a useful life and served every interest with which he was connected with signal ability and fidelity. He held the respect and gratitude of his fellow citizens, and the people loved him and trusted him. The memory of his short but useful life will ever be a most helpful inspiration.

Rather than mourn, let us look up and hail him in the words of the poet:

"Thy day has come, not gone;

Thy sun has risen, not set;

Thy life is now beyond

The reach of death or change,

Not ended-but begun.

O noble soul! O gentle heart! Hail, and farewell!"

The following resolutions, presented by a committee of the League, were adopted unanimously:

IN MEMORIAM-HON. FRED BADER.

Died December 25, 1913.

The Hamilton County League of Building Associations, appalled by the force and suddenness of the death of its beloved president, the Hon. Fred Bader, sincerely mourns the loss of an able, faithful and conscientious officer and friend, who for so many years unselfishly devoted his time and best efforts to the interests of this League and the cause of building associations in general. In memory of his life and services we now feel called upon, in the exercise of a sacred duty, to bear testimony to his exalted character as a citizen, his genial and lovable qualities as a man, his integrity as a public official, and his loyalty and steadfastness as a friend.

He had a distinguished and honorable public career. He served his city as a member and President of the Council, his county as a Commissioner, Recorder and Auditor, and his state in both branches of the General Assembly. He was a tower of strength in the councils of his party, which he served with the greatest fidelity and steadfastness. Many and varied as were his public services, the work which was nearest his heart, giving him the greatest pleasure, and which was a characteristic feature of his life, was the time which he so generously gave to the cause of the local building and loan associations, not only in this city, but in state and nation as well. He served for twenty years as president of the Hamilton County League of Building Associations, was for many years on the Executive Committee of the Ohio Building Association League, and also served as president of the United States League of Local Building and Loan Associations, being at the time of his death a member of its Executive Committee. His ripe experience, his unerring judgment and his splendid attainments, together with his willingness and readiness to assist at all times in upbuilding the institutions designed for the acquiring of homes by the wage earning classes, have been invaluable to the building association interests of this country, and the void which his death has made will be hard to fill. We cherish the memory of his useful life, and although he has gone, he still lives in the affections of his friends and co-laborers, in the respect of his fellow citizens, whom he served so well, and in the loving remembrance of those whose good fortune it was to be in intimate association with him in his building association work. As a further token of our respect and esteem, be it

Resolved, By the Hamilton County League of Building Associations, that this memorial be spread upon the minutes of this League, and that an engrossed copy be furnished his bereaved family.

Attorney Scott Holmes, a delegate from the Lincoln Bauverein, read resolutions adopted by his organization and tributes in honor of the late Mr. Bader from the State Building and Loan Association Leagues of Indiana, Illinois and Kentucky. A card of thanks from Miss Sallie Reuter, a half-sister of Mr. Bader, with whom he made his home, was read, thanking the League for its beautiful floral tributes and sympathy in her bereavement.

County Prosecutor Thomas L. Pogue and Mr. Henry S. Rosenthal also delivered brief eulogies on their former friend and co-worker.

The newly elected president and successor to the late Mr. Bader, Mr. Charles Weidner, upon being inducted into office, expressed his sentiments as follows:

It would, indeed, be difficult for me to attempt to express my gratitude and my sincere thanks for the honor you have conferred upon me in choosing me for the office which has been so ably administered for these many years by our late beloved and lamented President, Fred Bader.

And in assuming the office I am not unmindful of this great responsibility nor the extraordinary effort I shall be called upon to make in order to maintain the present high standing of efficiency and prestige which this League enjoys today by reason of the many years of faithful service of our late President and his co-workers in office.

I will not take much time to dwell upon the splendid results that have been accomplished by this League in its general effort to promote the welfare of the buliding association, which, as an institution, has long since come to be recognized as one of our bulwarks of our citizenship.

During the past year a new policy has been established by the present administration of Ohio.

Notwithstanding the urgent protests filed by the Hamilton County League of Building Associations, the Venus Bill, known as House Bill 204, has become a law.

This new law imposes a minimum fee of $20.00, regardless of size, on each association in the state, in addition to one hundredth of one per cent of the assets of associations. At that time it was shown that the Hamilton County associations represent 14 per cent of the assets of the state, and that they should be compelled to pay 25 per cent of the fees collected, which was inequitable and unjust.

The last report of H. F. Cellarius, secretary of the United States League, shows that there are over 6,000 associations in successful operation, having total assets of $1,136,949,465, and a membership of 2,518,442.

The last report of Ohio shows assets of $205,445,994.00.

In making comparison of assets by cities, it is shown that the Cincinnati associations increased their assets over $4,000,000 during the past year, or over 16 per cent, which is a gratifying condition of affairs.

The membership in Hamilton County is over 80,000, and nearly all associations are showing a wonderful increase in the business transacted.

Over 75 per cent of all mortgages recorded in the Recorder's office of Hamilton County are made by the building and loan associations. Their management has been clean and conservative, and thev have merited the confidence of the public.

While I bring the office twenty-seven years of experience as president of the Ringgold Building and Loan Company, in addition to having served as a trustee of this body, I feel that my endeavor to subserve the best interests of this League will be of little avail unless I receive at your hands

your most hearty co-operation and support, which I assure you at this time I do most earnestly ask.

I again thank you and pledge myself to discharge the duties of the office honestly, faithfully and to the best of my ability.

Among the business transacted at the meeting was the consideration of a report of a committee composed of F. H. Vorjohan, George W. Meier, C. W. H. Luebbert, Henry Baer, Jr., and Fred Otten, appointed at the last meeting to investigate the new lien law. The report urges all the building and loan associations in the county to take uniform action in safeguarding themselves against the liens provided for in the law. The amendments proposed by the State League were concurred in. A copy of the report will be mailed to all the associations in Hamilton County.

The election of officers resulted as follows: President, Charles W. Weidner, Jr.; Vice-Presidents, F. H. Vorjohan and County Prosecutor Thomas L. Pogue; Treasurer, G. C. Joehnk; Secretary, George W. Meier; Directors, H. F. Cellarius, H. S. Rosenthal, Fred Otten, C. W. H. Luebbert, J. H. Sand, H. Schroer, W. M. Wirthwine, George J. Hoffmann, Charles Keyer and Charles Fettweis..

Aid for Small Home Makers.

An illustration of the efficiency of a building and loan association, especially to a small community, is given in the recent report of the Building and Loan Association of Boonton, N. J. This society was organized twenty-four years ago, and in that time assisted more than 600 persons of moderate means to purchase or build their homes in Boonton and its periphery.

It now has 3,305 shares, nearly one thousand of which are held by women. In the twenty-four years of its life, the association has made 620 loans, and has had but two foreclosures, the entire losses amounting to less than $300.

The same chief officers installed when the association was chartered in 1899 have served consecutively, these being Nathan L. Briggs, president; Esli B. Dawson, vice-president; Samuel L. Garrison, appraisement committee, and Chas. A. Norris, treasurer.

It takes a man who doesn't have to live the simple life to see the beauties of it.

NEVER call a man a liar unless you have a strong right arm with which to back it up if necessary.

Report of Publicity Committee, Illinois League.

BY TERRY SIMMONS, SECRETARY.

With others of the Publicity Committee of this League, your secretary regarded it a great privilege to attend the annual meeting of the United States League at Milwaukee. The opportunity to get the sentiment of the larger and more important body of association workers in the matter of getting before the people with particulars of our work that secured attention worth the while was by no means to be overlooked.

Publicity is but another work for advertising. Advertising that does not advertise profitably is the last limit of misfortune, useless expense of time and money not only, but discouragement in other lines of work as well. Strange to relate, the man who most decries advertising, is positive that it does not pay, is generally he who has done so little advertising as to have practically applied no test worthy of mention, or, if volumes has been used, it lacked direction or point.

Advertising is really the strongest force that can be employed in the direction of growth, and yet experience in a matter of such moment is too often looked upon as a mere minor factor. Either leave advertising alone or give it intelligent attention. If you are not already trained in some measure in getting public attention wisely, and cannot be, in that case tender your resignation as secretory or directors in favor of officials who can; employ for a season one who is posted in advertising, who can get and hold the people's attention in a way to wisely count.

Appreciation is the due of all successful, worthy effort. The flowers in life, when we can enjoy their beauty and fragrance, are great and grand as compared with those custom leaves too often to tender when they can but be placed above or on the inanimate clay.

With other printed matter sent to the secretary of almost every association in the state by our committee was a report in brief of the legislation of a national nature looked after through members of the United States League, especially in the line of protection of association interests. If you gave what was told of there even a tithe of the attention its due you could not fail to realize that but for what has been accomplished in the way noted a large measure of association growth and prosperity would have been impossible. In fact, it is not really too much to claim that in some instances actual ruin was averted by the prompt, wise action those in the forefront of the work gave to it.

Without wishing in the least to disparage what others in the move for protection did, I am yet inclined to especially and rightfully laud the part taken by Henry S. Rosenthal, editor of the "American Building Association News." He has ever spared time, attention and money when the national problem called for it. Right at this time I wish to tender a bouquet of admiration and applause to him for those efforts of his, and in this I believe I but express

truthfully the approval of the members of this League as a whole. But there can come a time in the life of every movement when that even is not enough, when the burden bearing should either be divided or transferred to other shoulders. That time has already been reached in the case of Mr. Rosenthal, and he gave expression to his ideas in a paper of his preparation which he read at an informal session for open discussion at Milwaukee the afternoon previous to the regular meeting, in which he urged the organization of an "Advancement and Protection Bureau.' I can count only as a misfortune and in a way inappreciation of his quarter century labor in behalf of the building and loan idea to have the project set aside or deferred for a year, as was done. It is my firm conviction, and now I intend this in all charitableness, that the urgent need of such a bureau was not fully understood at the time or it would have met with the favor and support it truly deserved. The move has not been downed, only delayed, and next year, at the annual meeting in Washington, I look to see results along the line indicated that all will rejoice in who are sincere in their desire for the greater success of our organizations throughout the land.

It was to me both a privilege and honor, personally and as your representative, to be asked by the editor of the "News" to call the body together in the club room of the Pfister Hotel and to be permitted to more or less shape the movements that followed. In the matter of publicity, I related what had been done in Illinois, especially in regard to the extended publication throughout the state in the newspapers of a page description of our annual meeting in Freeport. The audience gave eager attention to the feature as feasible, practical and excellent. Then the matter of advertising was brought up as one of the possible branches of work that could be wisely handled effectively by the bureau. One speaker declared vehemently that instruction for national publicity was not possible. This got me going, and I called for the uplifted hands of all who were regular newspaper advertisers. It did my heart good, warmed it through and through, to find that by far the larger portion of those present did such advertising. And then, to show the extremes to which one may easily go, quickly calling next for a showing of hands again, this time of those who were sure that from their advertising they got direct returns worth the while-and, say, there were not hands enough up to even begin counting. Recollect, to my amazement, this second move was by the very crowd that had no use for instruction in advertising methods. To state it plainly, the members sat down on a national plan to provide direction and education in advertising ways, stultified themselves by open acknowledgment, that not one of them knew enough to advertise wisely. This causes me to repeat with additional emphasis that such lack of knowledge is wholly inexcusable. No body of directors has a right to allow the secretary to continue squandering association funds in inefficient advertising.

After the advance meeting a gentleman at the regular session,