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f 4 i + PRANK PLANS TO SHELD MASSES Sts 250 Branches, the Savings: Loan Associations, Aid Fami lies to Buy Small Homes. $75,000,000 AT WORK. Huge Supply of New Money Starts Lively Operations in All Suburbs. ‘Will the new Land Rank protect ‘Thousands of families are Isaving @rowded centres to buy amall outside Domes under the new system, Mulld- tp and brokers say the movement Is Qesuming surprising proportions. It fa the main feature of realty activity | fin far sections of the suburban bor- Oughs, spreading on all sides more) than thirty miles from the greater ity. “The Land Bank will soon become @ powerful factor in the business of | every real estate man whose purpose | fe to sell property which the buyers Swill une personally, mainly as bomen,” @aid Vice President Edwin F. Howell of the Institution to-day. "Thi @ue to the fact that It brings In ment capital for mortgage loans and introduces a system for the riddance @f such encumbrances by a State- Side, homogeneous plan.” Since the bank was organired last spring, with Edgar A. Nowell of Og- densburg as President, practically all of the 250 savings and loan associa- ions of the State have qualified as) Dranches. They have more than $7 ps are increasing fast as a result of the advantages Which prospective home buyers wish | to make available under the Land Bank. Their separate operations are Mmited to an area of fifty miles sui rounding their main office. They @over all parts of the State, but are Qctive especially in the vicinity of cities or busy industrial communities, RENT GOES FOR PURCHASE AT A DOLLAR A HUNDRED. Flat dwellers of the $20 to $50-a- Month class are making use of the | $76,000. Zand Bank in largest numbers. They | nounced after the meeting of the Com | mittee on Admissions: to $6,000 eaho for an outlay equal to| Sturges to James D. What they had paid in rent, Their | Albert Josephson to Emi Bre buying homes worth from $2,500 Payments average one dollar a month on every hundred dollars bor- 3 Fowed. At this rate, in a dozen years | Tewis, they clear off their ownership instead | Righter. | President Howell. FROM HIGHER RENT. ts} ady in mortgages | of posmessing nothing more for thelr money than a bundle of rent receipte. "The Land Bank with its 260 branches represents a recognised dl- vision of our banking system now for the first time perfected upon prin- ciples in operation In other countries, as well aa in America and proved by long experience to be sate,” eaid Vice F "Bach of these institutions is engaged solely in Improved land in districts where the ors form a trained hody of appratsers as weil quaiifed invest capital there as the credit ers of any banking Inatitution, s condition ts #0 well established t in many less populous sections so land banks are the eole insti- tutions for saving in thelr respective communities and derive from. local nd ge all the funds needed for joans. In large communities, however, the demand for capital is increased greatly and the Land Bank, by the use In the open market, ia obtaining from ren al Investment sources the @up- money necessary. Every local ndent branch of the Land in other words, the savings and loan assoclation—may take its mortages to the Land Bank now and at Gwoters trom rising city rentar |C°Poslt them, aubject to ite approval, in trust with the State Comptroller, the Land Hank issuing collateral trust bonds which are sol4 and the proceeds delivered to the local branch These bonds have been made legal Investments for savings banks and estates, thus opening a vast supply of new capital for buyers of amall homes, PROSPERITY MILLIONS READY FOR SMALL HOME BUYERS. ‘This gystem ia not intended nor adapted for speculative real estate It is operated on behalf of the man who wants to own his It deals only with the operations. home outright. real owner whose mortgage te In- tended to be paid. “It ly the intention of the State, In lending its (rusteoship to our inatitu- tions to build up a real landed pro: pristorship of wage-sarners, farmers and artisans, helping them to become Independent, freehoiding oltizena. ‘The absolute safety of the collateral prom ises to bring ample funda for taking all good mortmnges offered at a uni- form nwte of interest lower than has | prevatied in any part of the State.” Among the Land Bank oficers and directors are representatives of the savings-loan associations from all porte of the State as well as of large | financial interests ‘They any great hoants of prosperity oaah ts available | Immediately for the purchase of #inal! homes by the thousands, thua laying the foundation for the most wide- spread movement tn the history of | from | other States have heen tnvestignting | the Land Bank recently and the New | York model may be adopted in most suburban realty, — Delegates parta of the Union —__ Stock B A new high re the © year on Stock Exchange was established yenterday, when Alfred G. Kay got the | went of Edward St. John Haye fo: Theso other sales were an nor, $76,000; Donald Mi yt Brumley, $75,000. New members electe: are Joseph D. ¥ Henry L. rank B. and Walter of an appropriate bond, aalabie! | JAPAN'S NAVY HAS GROWN RAPIDLY It Has Ten Times the Tonnage It Had Twenty-two Years Ago In | the War With China. | TOKIO, Japan, Nov. %—Japan's | naval strength haa tnorensed mor | | than tenfold since her war with China | twenty-two years ago and is nearly, | with Russia twelve years ago, The total tonnage tn 1894 waa 61,000, in 1908 [it wne 288,748 and to-day it in 628,321, of which one-fifth ie engaged in war duties fn the Bouth Pasifio and Indian Ocrans. At youterday’s review by the Mm- peror the eighty-four vesmels in lina, with an aggregate tonnage of 467,572, ranged from the super-dreadnought) through battle. | Fuso of $0,000 tona, ships, battle crulsers, cruisers, de [stroyers and mubmarinon to weaplanon. | | The Emperor, with 600 guests, was on | the cruiser Trukuba, Firat the great | Moet, vessel by vensel, passed in re- Outfits Victrola X vane 7 Victor Record Albums—$1 each... 5 10-Inch D. F. Records—75c each. . 200 Victor Needles FIRST PAYMENT $5. and friends. Come in an: music you wish to h | —RIGHT NOW. PEGS EW. 9, Bs WIN, three times greater than tn her war| MATHUSHEK Victrola . $75.00 7.00 3.75 112-Inch D.F. Record 1.25 $87.00 Get this popular Mathushek Victrola outfit with your own selection of records—it will be a constant source of pleasure to your family time and we'll gladly r—and will s how easy it is to have a Victrola of your own Other Victor and Victrola styles, $15 to $400. | MATHUSHEK, Broadway and 47th St Telephone, SSAT.5548 Bryant JPRSE NEWB) HR EVENING WORLD, FRIDAY, NOVEMBER 24, 1916. view before the MPmperor’s ship, each firing an imperial salute, while the submarines rose from the sea and three seapianes circled on high. Then the vessels ranged themeelves in the familiar manner on each side of a long lane, through which the craft slowly steamed rs | Take a look at your teeth iv your mirror Are your gums receding, or are pockets forming Regular use of Sozodont Liquid prevents such con- dition. Sozodont contains Eme- tine with its associated alkaloid, and destroys the erma that attack and in- fect the gums. Protect your teeth by using Sozodont Liquid Dentifrice. $e Style XVI, $200 play any jow you CUR ey. Givin The Surprise Stores offer Consisting of pect when you pay "15 to ‘17, on sak tomorrow at A Sale Full Here are the new n offered right at the | Note the new I others. Men, se Styles, Fabrics and Qualities you ex- overcoat season at ten dollars. store is selling them under &15 to $17. See the pictures—see our windows. of Surprises iodels. and new. fabries veginning of the heavy- No other -inch-Back among *e this assortment. THE MODELS THE FABRICS The Pinch | with velvet collar | An extensive variety, the swagger and s anting pockets; the Loove-Back | Scotch plaids, Tweed check model. with convertibl: collar; the | Seoteliy’ mixtures, gray mixtures staple Bu'ton-Through st the | gray herringhone, plain gray, stripe popular Chesterfie Oxford, plain nd the fly - fr 44, vale naa tyl and smarts sh weaves; price ‘10 h Stoves Open Sa uiday Till lu P. M. Surprise, Stores D AVENUE | TH AVENUE | BETWEEN 15th and 16th Sts. N, W. CORNER Sale of Overcoats For Men and Young Men values you often read about, but seldom see—giving garments that have real worth, and which are new and desirable—models and patterns made for this season, and in demand right now; qualities that sell usually up to ‘17. Nearly 1800 Guaranteed Coats 0 J Plenty of Time ea vmeowaofor Reserving Christmas Jewelry at Lamberts NLY the other day we were saying that Christmas buy- ing of Diamond, Platinum and Solid Gold Jewelry and Rings at Lamberts had begun earlier than usual. Father Time has kept flying ever since and theend of the Xmas gift season is in plain sight. For many reasons it is con- fidently expected that the season will be busier than ever at Lam- berts Jewelry Store. Christmas crowds will fill the store day and evening soon. Superior Diamonds Mounted in the Lambert Factor. With the Christmas needs of an everspreading circle of diamond lovers before our minds we bought Diamonds when the prices were well below the present quotations. Paying spot cash for them and importing them direct, as usual, mounting them in our own factory, also as usual, and selling them in an inexpensive store, we can bring fine Diamonds within the possibilities of modest purses. Solitaire Diamond Engagement Rings, $710.00 to $1,500 And every Lambert price represents a value that would be | impossible under another system of business than ours | | knows—as $30 $50 $75 $100 $150 $200 Solid 18 karat/Din- |Cluster 3! 3 _|monds'all — dinmonds. eee lites clus- Gives the effect tinum top. Neaticred lof 1 large dia- \ and fashinable)j,, — |mond. Ring is | $80.00 setting with 9 Plati- 18 Karat gold $220.00 H fine diamonds,|num and setting is Princess Ring] take (platinum = Hand madeg [Au platinuns | and platinum. rings jin centre sur- Set with finelyf | jrounded with matched dia Novel llace work and 16 monds. \beauty|fine diamonds. Wedding Ring _ Reputation Kept High $115.00 ? } When we kept only a litt'e neighborhood shop—it was | really but part of a shop—we sold Seamless Solid Gold Wed- ding Rings that soon attained a reputation they have held for nearly forty years. As carefully made, each from a single piece of gold, as if our own reputation depended on them. Bagraving free. S22] => it, $4.40 up 14-! t $5.50 up 14-karat, $6.60 up $5.50up 13-! t $6.75 up 18-karat, $8.10 up , $7.00 up 22-karat,$8.75 up 22-karat, $10.50 up Our Watch Experience Is at Your Service That we have had almost forty years’ experience with watches we have been willing and able to guarantee is a circumstance of much weight with our customers. We can | satisfy them all the more fully if they will be good enough to select their Christmas watches early. Come especially early if you have a watch bracelet in mind, for watch brace- lets are none too plentiful and the shortage of imported ones is much regretted in the trade. Bi appoint you if you come to Lamberts without delay. But it need not dis- | Luiy's karat Gold Hunting Cuse, with guaran- teed Waltham mover ment, $26.75 This Solid 14-karat Gold Watch, with bracelet of ex- tension links (steel springs), contains a 15-jewel Waltham Price, $28.00. keeper and a «© of jewelry Solid 14-karat Gold Lady's Watch, engine-turned hunt ny with Wal- tham movement, $16. hunting 14-karat Waltham A solid 14-karat Gold Watch Brace Jet, guaranteed Swiss works, 50 up; gold-filled case, $12.00 up; Sterling Silver, $10.00 up. These watches are harder to get than ever. Importa- tions do not begin to keep up with demand. An additional reason for early choosing. Men's Solid 14-karat Gold Wate hes with guaranteed Waltham works, $22.50 up: gold-filled case, $10.00 up sterling silver case, $9.50 up. Ladies Solid 14-karat Gold Y Watches, $16.00 up; gold-fill $10.00 up; sterling silver case $ Men's Solid 14-karat Gold Wate! hains, $9.00 up; Waldemar watch $10.00 up; in gold filled $2.50 Solid Jt-karat Gold Watch, Waltham $25.00. Do not try to be your own watch repairer Save money aed bother by bringing the harm. Silverware and Clocks, Second Floor. Also Pretty Gifts for Chil- dren. Solid 14 | Nobody will wonder at this who thousands Lamberts are large manufacturers of Diamond, Platinum and Solid Gold Jewelry and Rings, for which they charge moderate prices only; that they import Diamonds direct and buy for spot cash in advance of rising prices; that their stock of watches all comes from factories of the highest repute; that every watch is inspected and regulated in the Lambert factory; that every Lambert price is a money saver, haking a watch that oublesome watch to Lambert: LAMBERT BROTHERS Diamonds—Jewelry— Watches Third Avenue, Cor. 58th Street Store Open Daily Until 6, Saturday Nights Until 9. Naturally Christmas shoppers flock to such a store, and as the early Christmas crowds are already flocking to Lamberts, we again call attention to our stock of Christmas Diamonds, Watches, Jewelry and Rings at Lamberts, and WE WILL RESERVE UNTIL CHRISTMAS EVE, IF YOU DESIRE, WHATEVER YOU MAY CHOOSE NOW AND YOU NEED NOT PAY UNTIL THEN. Solid Gold Brooches, Please This request by a Christmas Cus- tomer at Lamberts brings to view such variety of shapes and styles as makes selection a joy, especially if selection is made now, when there is plenty of time for it. Solid Gold Brooches from $1.50 up; with Dia- mond, $7.50 up; Diamond Brooches with hand made platinum mount- ings, $40.00 up. A glorious pierced do—that solid 14-karat Gold Brooch, with safety catch. One fine amethyst and @ real pearls, knife edge effect, engraved bor- der, $8.00. Green fine One diamond hand made Platinum Brooch sparkling and 4 real pearls set 9 y ‘ 0 eval destoas DAR Laeciee with 21 fine diamonds, $200, You Green Gold Brooch, can't realize the beauty of this unless $14.00. you see it. Rich Effects in Lavallieres Solid Gold Lavallieres as dainty in line and rich in gen- eral effect as any jewelry you can imagine. Some as low in solid gold as 82.75; with fine diamond, 89.50, and a hand- made platinum mounting with a fine diamond from 883.00 up. ¢ it Bright pol- S Solidi *% ished and q Real sap- karat gold green gold phire, 7 Lavalliere. solid 14 half pearls Real Tour- karat La- and @ Bar- maline, 1 valliere. 1 oque pearls whole pearl fine dia. in solid 16 and 7 real mond, and karat Le balf pearls, \ 2 real Bar- valliere, $5.00 ! oque pearls, 4 $10.50 $7.50 U Solid Gold Neck Chains, Chains, $7.25 up. Our Brilliant Bar Pins All the fashion gm 2 writers have good words for Solid Gold O $2.00 up; Platinum Neck se gold bar pin, with safety catch. Bar Pins, with and green gold; set with genuine strong safety $10.00. catches, such as if Lamberts — exhibit at $2.75 up and set with a diamond of our own direct im- portation, $9.50 up. z Platinum hand tre and bright cut border. Solid made Bar Pin, set 14 karat Gold Bar Pin; 1 fine diamond and? with 39 fine dia- ta! sapphires, $30.00, monds, $350, This bar pin must be seen to be appreciated. No illustration could do it justice. Appropriate Christmas Bracelets Suiting you with a Solid Gold Bracelet, as simple or as richly decorated as you like, will be a simple matter when you tell us about how much you wish to spend. Solid Gold Bangles (that do not open) range in price from %6.00 up: Solid Gold Bracelets (with hinge and catch), 87.50 up; Solid Gold Bracelet, with diamond, $15.00 up. Yor ld y = 4 would enjoy < se os oe ae y, Ts Bar Pin, solid 14 karat gold; hand engraved hordes i A plied platinum 0.00, looking at our Lam bert Platinum and Diamond Bracelets One we have is rich Solid 1O-karat gold feta ty and aestiyely: met j bracelet, (with catch and hivge I with rge and 12 incly. engine ned 0 smaller fine dia Bsa! eR mr SNOT monds, $390.00. It Sim a . Rs SDS Stine mA pe ina magiihcen, Nba Seed ecm Neg a Sei > / id 14-karat gold bangle (that }\ Solid. gold bangles 4 not open); engine turned may be fitted with hinge and catch for $2.50, in addition to the usual price. pierced, set with 3 res! hires, $16.00. Gold filled bracelets which look good and wear well, $4.75 up Signets Richly Carved You are invited to make an e hert Solid Gold Signet Rings and to see what a richly carved one as a Christmas gift you could buy for as little as 2.50 up. Solid Gold Signet Rings, set with diamond, 810,00 up ly inspection of the Lam- No charge for engraving monograms on signet rings. Solid 1 Fingine Odd shape karat turned and solid 14 ig ) cngraved karat gol sides kold sig- signet J on sold @] net ring, ri 14-karat neatly ¢ gold heavy engraved design, signet ring, sides, $5.00 $16.00 $10.50, Ladies’ Fancy Stone Rin ld with Topaz, Aqua- marine and other semi-precious stones, $8.00 up. Children’s Rings, 75¢ up. Il not go does no good and may do Repair charg low, Old Jewelry remodelled and Diamonds remounted at lowest charges |