Richmond Palladium (Daily), Volume 46, Number 295, 24 October 1921 — Page 12

PAGE TWELVE

THE RICHMOND PALLADIUM AND SUN-TELEGRAM, RICHMOND, IND., MONDAY, OCT. 24, 1921.

EXPECT GREENVILLE OFFICIAL TO MAKE FIGHT FOR POSITION

GREENVILLE. O.. Oct 24. A fight to a finish for vindication was indicated Saturday afternoon when a temporary injunction to prevent his removal from office on embezzlement charges was asked for and granted County Treasurer Dan H. Brown. The injunction was granted by Judge Teegarden against William W. Cunningham, who had been named by the county commissioners Friday to fill this office, after they had passed a resolution ordering Brown's removal. In ordering the injunction writ, Judge Teegarden stated that the county commissioners, who were also parties to the suit, would not press their claims for removal until Cunningham had established his claims to the office. No injunction was Issued against

these officials. File Answers. Two answers and cross petitions have been filed in the partition suit of Karl Pease vs. Daisy Pease in comjnon pleas court. One is by O. E. Harris and Fred Harris doing business as the Harris Garage company, who claim there is due them from the Pease estate $239.06 and seven percent interest, due on a promissory note Jan. 20, 1921, and the other is by the 1 Arcanum Building and Loan associaition, who have a claim against the estate for $625.20 and seven percent Interest for which judgment is asked. Probate Court. Ethel Cartmell, filed answer and icross-petltion in estate of William 'Mullenix, deceased. Charles M. Dunn and Lando Putertbaugh, executors of the will of Alber!tus L. Dunn, deceased, filed petition to .sell real estate to pay debts. Lillie Keever, guardian of Charles IE. Keever et al, filed fourth account. W. S. Kessler was appointed administrator, with the will annexed, of Albert Roscoe Hill, deceased. Bond ,52.400. Avarilla F. Kerlin, executrix of the jwill of Margaret I. Fahnestock, deceased, returned order of private sale (Of personal property. Marriage License. Harold Gilbert, 21, Greenville township, and Ethel Mong, 19, Coletown. County Expenditures.

W. P. Townsend, expense viewing

county roads, 75 cents.

W. P. Townsend, livery on county

cars on ditches, accrued fees on coun tv roads, $52.37.

Jacob Deeter, gravel furnished Adam jtownship, $198. ; Jacob Deeter, gravel furnished various roads, $362.70. The Greenville Democrat, printing 1150 bar dockets, $150. W. P. Townsend, livery on county car, etc., $2.25. Pari Townsend, pay roll, inter-county highway pay roll, No. 20S, $241.88. Mrs. R. R. Spitler, one day service, special stenographer, $10.

Are You a Good Risk? By FREDERICK J. HASKIN

Columbia university i3 establishing a new course in motion pictures, the first of the kind given in the United State.

NEW YORK CITY, Oct 24. It you want to make a favorable impression upon a bonding company, be fat, profane, married, and have bad penmanship. All of these characteristics, usually looked upon as handicaps by the

general public, are regarded as highly desirable by the big New York bonding companies which underwrite thousands of embezzlement risks every year. It is estimated that the large total of $100,000,000 is annually embezzled in this country. The total number of known embezzlers whose defalcations are discovered is aroud 15,000. These startling figures explain why the bonding companies have found it necessary to make an elaborate study of character, environment and psychology in underwriting embezzlement

risks. After many years of such study and experience, they have been able definitely to label some human traits good risks and others bad. According to William B. Joyce, president of the National Surety company of thi3 city, the man who cusses a lot is a good risk not because he is profane, but because he is essentially human. "His mind," says Mr. Joyce, "has a safety valve through which he pours his excess emotions. He is far safer than the quiet, suppressed individual who stifles his natural impulses." Mr. Joyce has been studying the characteristics of embezzlers for more than 20 years, during which time he has formulated the following guides for underwriters: "It is always the 'trusted employee' who gets away with the most money. "There Is no age at which embezzlement ceases. "Young and unformed characters are the chief offenders. "Margin speculation leads to more embezzlement than cards or dice; betting on the ponies ranks a close second. "Ex-convicts are the poorest risks of all. "Since prohibition, many embezzlements have been caused by the high cost of bootleg liquor."

Fat people are considered better

risks than lean ones, because the obese are on the whole more placid and content with their lot, and less

inclined to morbid recklessness. Mar

ried risks are preferred to single risks, a3 tame horses are preferred to wild

ones. Cranks of every kind, moreover, are readily accepted by the surety companies for the same reason that profane men are favored. In other words, people who flaunt their idiosyncracies sufficiently to be termed "cranks' 'at least get the poison out of their system. Good Penman Often Bad. Perfect penmanship is regarded with the deepest distrust by most bonding companies. H. T. Cole, inspector of the American Surety company here, who in the last 20 years has accumulated handwriting specimens of hundreds of embezzlers, says he believes that superior penmanship is an unfailing characteristic of embezzlers. He does not deny that many an honest man writes a tidy hand, but it is ex-

GENERAL FOCH ON WAY TO U. S.

tremely rare to find a defaulter who writes poorly. "My opportunities for studying such handwriting follow the opening of each new embezzlement case." says Mr. Cole, "for the first procedure is to study the application which the accused man filled out with his pen before being employed in a position of responsibility. And I'm not speaking only of bookkeepers, bank tellers and other men in positions requiring a good hand, for we are called upon to bond office boys, salesgirls, railroad conductors, restaurant cashiers, and others required to handle money without any tall feats of penmanship. "In looking over ous files of business criminals, comprising examples from every kind of trade everywhere, I come across few specimens of poor handwriting not more than one to every 15 that are above the average of excellence. In other words, about 93 percent of the defaulters in our files

have been first class penman. And I have examined thousands of applications of men who afterward went wrong." Richard M. McKenna of the detective division of the New York police department, who has made a special study of handwriting in connection with criminal investigation, supports Mr. Cole's interesting observation. "From my study of the handwriting of crooks," he says, "I believe that vanity and the desire to deceive have a great deal to do with the cultivation of a certain type of very fine penmanship. The normal man in forming his handwriting has the ideal of writing freely, legibly and speedily, but the

man with the makings of a crook m him has the Ideal of showing off his cleverness, winning admiration, and concealing his own true character with a false appearance of highly ornamented perfection. That's the feeling I seem to read in crook handwriting, and I believe I could distinguish it eight times out of 10." ! Environment and Crime. The environment in which a risk is located is also an important consideration to the bonding companies. Movie cashiers rarely embezzle, but a good deal of money has been lost on people associated with musical comedies. There is something about a musical comedy probably its gay, carefree atmosphere of wine, woman

and song that seems to pave the way to easy embezzlement. It is also interesting to note that in the new. rich sections of the southwest, particularly in Texas and Oklahoma, where fortunes are often made (and lost) in a night, there is much more embezzlement than in the northeastern states, where money-making is a hard and slow business. The files of the large bonding companies contain many strange and romantic stories of the rise and fall of embezzlers. Some day. perhaps, the movies will realize the screen possibilities of such material and buy the movie rights to a bonding company's files, thereby turning poor risks into good ones. What could be more moviesque, for instance, than this melodrama with a happy ending, relat-

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Newest photo ot Marshal t'och. Marshal Ferdinand Foch, eeneralissimo of the allied armies during the war, and military and diplomatic delegate to the Washington arms conference for the French government, is now on bis way to the U. S. This new photo of the marshal, taken in his home, shows him in an informal military uniform.

work in the vicinity. No other bank or business firm would employ him, and he was compelled to do manual labor. Ten years later the bank decided to remodel its interior. Behind a loose panel in the wall of the teller's cage the missing $1,000 bills were found. It was the teller's opportunity for righteous retribution, and he took advantage of it Having lost his job and reputation through the dilapidated condition of the bank's interior, he brought suit for defamation of character and received a great deal more than the missing four thousand dollars. Thus, .as Mr. D. W. Griffith would say, was manly virtue rewarded. For movie comedy material there is the case of a young clerk, also in a middle western bank, who was dispatched to the railroad station with $500 requested by a wealthy depositor who was passing through the town. It was a breezy March dy, and as the

clerk waited for the tiv'n he strode briskly up and down the platform, whistling and tossing the bills into the air. Suddenly they were caught in the wind and swept down the railroad Irack. A hog foraging hungrily along the track sniffed the money and swal

lowed it. The poor clerk went in search of the man who owned the hog and bought it. Then he had it butchered, hoping that its stomach would contain fragments of the money that would be redeemable at the treasury department. But the hog had masticated too efficiently. The $500 was ruined, and the surety company had to make good the bank's loss.

ed by Mr. Joyce of the National Sure

ty company? One day a young teller in a small

middle western bank missed four

$1,000 bills from his cage. He search ed all over the place, took everything

out of the safe, checked and rechecked his figures, but the four thousand dollars had completely disappeared. After woryring about the matter for a couple of days, he went to the president of the bank and told him of the loss, asking for a little time in which to find the missing money. The president scoffed indignantly at the young man's story and reminded him that when four thousand dollars vanished into the air, the loss could usually be explained. "Either you will make it good," said the president, "or you will go to the penitentiary!" This terrible threat was not carried out, however. The teller was merely discharged, but the stain on his character made it difficult for him to get

Sure Way To Get Rid Of Dandruff

There is one sure way that never fails to remove dandruff completely and that is to dissolve it. This destroys it entirely. To do this, just get about four ounces of plain, ordinary liquid arvon; apply it at ".ight when retiring; use enough to moisten the scalp and rub it in gently with the finger tips. By morning, most if not all, of your dandruff will be gone, and three or four more applications will completely dissolve and entirely destroy evry single sign and trace of it, no matter how much dandruff you may have. You will find, too, that all itching and digging of the scalp will stop instantly, and your hair will be fluffy, lustrous, glossy, silky and soft, and look and feel a hundred times better. You can get liquid arvon at any drug store. It is inexpensive, and four ounces is all you will need. Thi3 simple remedy has never been known to fail. Advertisement.

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