'APRIL, 1928 No. 4

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EDITOR'S PAGE ·---·------··-····--...... Page 3 j rt,'hf m.:"\\I ft\ ....:- ..- ..,,~ "THE TITLE BUSINESS AS AF­ FECTED BY GROWTH AND PROGRESS," by Stuart O'Mel- veny ...... Page 5 "LOOK AT OUR OWN PICTURE," By Richard B. HalL...... Page 7 l~;-: .., \::;\\~:~~:­ '~ , ;'t.S~=2~ .,._·, ~: ALA SKA-A CONVENTION SIDE- !~;\\~~\'"'~I :",.1 TRIP-Map on page 11...... Page 10 ... \f" ::~1, \.?n .. :vlt "SHOP TALK," by C. B. Conrad ...... Page 12 ·:·th.?.. •-.;th:'\\,(.' I'·'''', "SEATTLE," by Christy Thomas...... Page 14 ~: •• l\ RAINIER NATIONAL PARK...... Page 16 MT. BAKER NATIONAL FOREST.... Page 20 \.' ..'\\ ;;"":' m.;: IMPORTANT FEDERAL LIEN RUL- ING ...... Page 1 7 (.,,~.· TIMELY COMMENTS ON AB­ STRACT WORK AND PRICES.... Page 21 LAW QUESTIONS AND AN- SWERS ...... Page 18

,, .., ... --~..,·~-~.--.~~-.. ,:---:---~. mi... '" ,, .. •: ... ::'.rt~ .. ~. =".: ... m• ., , ~' '~".'~ ..'\~ ...'·v~~·"\ .... : ...· .. \\\\\1 .. n .. ,,,,,:.,...., '?9he'?9itle's the'<9hing and the closing of every real estate transaction is dependent upon the evidencing and acceptance of the title. What is more exasperating than, when you find a purchas~r, to have the deal "fall through" because the title cannot be approved! 1 Wise Realtors safeguard themselves and their clients and elim­ inate the gamble of final closing, by recommending and using TJIRJE INSURANCE It gives absolute protection against attack, or loss from defects or any title matter whatever, and eliminates future questions, delays and troubles that could be based upon title questions or differences of opinion.

Consult your local title company about .i the advantages of TITLE INSURANCE. '· TITLE INSURANCE SECTION 'fhe E!Jnerican Title (!ssociation TITLE & TRUST BUILDING KANSAS CITY, MISSOURI a-he Insured

loSlATIU ·· Wonderful program, great enter­ tainment, the hospitality of the Pacific Northwest all will make a perfect convention atmosphere and setting. Attending the convention of your trade association is a business necessity and venture of profitable returns. Our meeting this year affords the greatest opportunity possible for a combination business_and vacation~ trip. The Time and Place are Perfect! IG\NfllLEASSOCikilO~ CONVENTION SEATTLE .. . r June 46~.27...-28 FJllQ 29 2 TITLE NEWS

Special Train to the • Convention Canadian Pacific Route, via Banff, Lake Louise, Vancouver The official route and tour to Seattle. It will be a wonder­

ful trip and journey SCHEDULE: TUESDAY, JUNE 19th. Leave Chicago, 6:30 p. m. THE WEDNESDAY, JUNE 20th CROWD Arrive St. P aul, 8:00 a . m. Sight seeing, leave St. Paul 12 :00 noon. This gives you the wonderful scenery of the Canadian FRIDAY, JUNE 22nd Arrive Banff, 7:00 a . m. Motor car to Rockies, first stopover at Banff; motor trip Banff to Lake Louise, arriving there 3:30 p. m. Lake Louise; boat trip Vancouver to Seattle. and spending night. SATURDAY, JUNE 23rd Leave Lake Louise 7 :00 a. m. Parties from all points East and Southeast take train SUNDAY, JUNE 24th at Chicago; those from the Southwest via Kansas City Arrive Vancouver 8:00 a. m. 10:30 a. m.-Princess Steamer. and West via St. Paul, willjoin Special Train at St. Paul. Seattle 8:30 p. m.

Make Your Reservations Immediately - - ~ Write to E. H. LINDOW, Chairman, Transportation Committee, Union Trust Building, Detroit, Michigan Give information as to number and names of party and sleeping car accommodations required .

• ~ ~ TITLE NEWS Issued Monthly by and as the Official Publication of The American Title Association PubliaheTs, Kable BTothers Compan11, 404 N. Wealq Ave., Mount Moma, JU. Price, $1.00 per 11eaT. I Edit01'-R~ha,.d B. HaU, Midland Building, Kansas Cit11, Mo. ~.tl, Publiahed monthl11 at Mount Moma. IUinoia; Editorial ofji.ce, Kansas Citl/, Mo. Entered as aecond class matter, D•c•mber l'.!Tl~ under the Act of March I, 18111. ~~ ~l!i!f~ 15, 1911, at the post ofji.ce at Mount Morris, Illinois, ~~~ Vol. 7 APRIL, 1928 No. 4 •======Editor's Page

T sure enough won't be long now. HERE was an unavoidable delay in Your attention is called to the an­ I The convention will soon be here. T getting the Directory number out nouncement on page 4. If you want In the pages of this issue you will find this month so it will appear as the May extra copies for distribution to your many announcements about the event. issue. local loan, real estate companies, at­ The principal thing is, have you made torneys, etc., send in your request im­ up your mind to go? Do it, because mediately. making a decision to attend is the first There are going to be several who step in getting there. will be disappointed because their This occasion affords an opportunity Send in that name did not appear but the reason that does not present itself every day was-they did not respond in time to -that of a business trip which takes the notices sent them for 1928 dues. you to the Pacific Coast. You are hotel reservation carried through the wonderlands of the HE complete program of the Seattle West, can visit so many places, and the NOW! T Convention will appear in the June transportation cost is very low. issue. Attending the meetings of the Amer­ The one offered this year has been ican Title Association is purely a mat­ particularly prepared to be most bene­ ter of business-a necessity and ven­ ficial and prove as thoroughly prac­ ture that can only bring great returns tical as possible. There will be more and profits. and shorter presentations and lots of chance for discussion. OUR particular attention to two things is absolutely necessary. Y BOUT the articles in this issue: The first is: that you make your hotel Stuart O'Melveny has prepared reservations NOW. Every member has A very interesting in his story been mailed a blank and convention something how progress carries the title busi­ announcement. Designate the accom­ of with it. The author needs no in­ modations desired and return immedi­ ness despite the fact that he ately to J. W. Woodford, Chairman of troduction association affairs only a little Reservation Committee, 201 Home entered two years ago. He is Executive Savings Bank Bldg., Seattle. over of the Title Insurance The second is, that everyone who is Vice President Co., Los Angeles, President of going to the meeting on the special & Trust Title Association, and train, via Canadian Pacific, send in the California of the Title Insurance their reservations immediately to E. or Vice Chairman the national. H. Lindow, Chairman Transportation Section of Committee, Union Trust Bldg., Detroit. The article by the Executive Sec­ a series announced Do it Now! retary is the first of last month. URING the month everyone who C. B. Conrad is one of the leading D· had not already pledged to the and representative abstracters of Illi­ sustaining fund was given an oppor- nois. He has been active in the state • tunity of doing so. The cards were association and is held in high esteem. even filled out with a suggested amount This article is a print of a paper given and a stamped envelope enclosed for at the last Illinois state convention. _ . return. Despite the fact that all any­ He is manager of the DeKalb County one had to do was to just sign it and Abstract Co., Sycamore. mail, several have not as yet sent them in. In fact and to be real honest, too Yon might not be able to have ND last but not least, you are again many have not yet sent them in. comfortable accommodations A reminded to send in that Sustain­ Do it Now! ing Fund pledge card. 4 TITLE NEWS

No Matter Where You Live the 1928 Convention is accessible and Seattle close to you. Do not think of it as being "too far away." A place is only as distant as time and expense measure. Time warrants no consideration, no matter where you reside, because it takes only a few days from the farthest point away and the hours of travel are comfortably enjoyed as you are carried through the wonderland. The Summer Tourist Fares eliminate dis­ tance when you figure the transportation cost.

Do You Want Extra Copies of the Directory? The next number of TITLE NEWS, the May issue, will be the Annual Directory. Extra copies for distribution and use will be furnished to those who request them, but only enough will be printed to supply the de­ mand. It will be necessary to know in advance just how many are wanted. Requests for quan­ tities must therefore reach the Executive Sec­ r~tary's office not later than May I. Send in your request immediately and state quantity desired. .-- TITLE NEWS 5 The Title Business as Affected by Growth and Progress By Stuart O'Melveny, Los Angeles, Calif.

It has been intimated to me that, be­ 511,000 as of June 30, 1926. Large ists today is an extremely technical cause I threw in my lot with title men sums of money have also come into one. The questions which can arise at a comparatively recent date, and be­ this state from the East for investment with reference to the ownership of land cause I left an active law practice to in land. are and always have been numerous join with you in your endeavors, I It is a simple conclusion that the title and complex. Since the. days of Coke should have some new and refreshing business is an economic necessity. and Blackstone law students have been observations to make to you about the Some business agency must exist to in­ engrossed in the niceties of the con­ title business. I can ~ee no particular sure the safety of capital in these in­ struction of the law with reference to logic in this thought. I have always vestments. The old methods of making real property. It is true that many of 'believed that those persons who have and examining abstracts proved too the technicalities which existed under been in the title business for the great­ slow and cumbersome and afforded in­ the common law of England have been est length of time know the most about sufficient protection. Title insurance abolished in most states in an effort to . it and I still think so. Let me say at has been devised and perfected as the simplify the rules governing the own­ the outset, that one of the first con­ ership of land, but on the other hand, clusions I reached on assuming my each legislature that meets designs duties with a title insurance company, new laws which must be taken into was to listen attentively to the advice consideration by all title companies. of my seniors in the business and not New kinds of quasi public districts to say glibly what could or could not have been designed and the taxes im­ be done. I am still following this self­ posed by such districts have been de­ imposed advice and it is with some clared to be liens upon real property hesitancy and natural reluctance that within such districts. Interests of hus­ any other or different conclusions will band and wife in community property be advanced. · have been rearranged for us to con­ A few years ago the principal busi­ sider and worry about. Federal taxes ness of California was agriculture and have been inaugurated and a lien for land was bought and sold in large such unpaid taxes provided. Hardly pieces and with comparatively infre­ a day goes by but what some new ques­ quency. People were more patient tion is brought up for consideration, and generous with their time as there either the application of an old law to was not so much to do and habits of a new set of circumstances or the ap­ life were more conducive to equanim­ plication of a new law to an old set of ity. Not long ago the function of the circumstances. title man was limited to making ab­ During the time the legislature is in stracts for an attorney's examination, session all of us pass through a period but during the last twenty years and of constant study trying to find out especially during the last five or pos­ and understand all of the new techni­ sibly ten years the manner of dealing calities which may be imposed by law in land has changed, due primarily to upon the use and ownership of land, the increase of population and the in­ for each of these we must understand crease of wealth or capital. Let us see and make applicable to our work. At how population and capital have in­ all times subdividers are busy employ­ creased. I will use my own state as an ing attorneys to draw restrictions upon example. The United States census re­ the use of land and imposing such re­ ports the population of California as strictions on the land they intend to follows: 1900, 1,485,053; 1910, 2,377,- sell, and I have always marveled at the 549; 1920, 3,426,861. short length of time which elapses The estimates made by Eberle and STUART O'MELVENY after such restrictions are imposed be­ Riggleman are as follows: 1924, 4,- fore the same people who imposed them 791,716; 1925, 5,030,347; 1926, 5,129,- best possible means of quickly supply­ were wishing us to devise ways and 699, or an increase of 47% in the last ing to capital what is required in either means to remove the restrictions. six years. Money and capital has also purchasing or lending on land. In or­ Because of the extremely complex been increasing apace. Look a moment der to supply such evidences of title as questions of mixed law and fact that at the total Savings Deposits and are needed it has also been necessary present themselves in the title business, Building and Loan Assets for Califor­ to build title plants of considerable size. and because the volume of business to nia: 1910, $377 ,966,000; 1920, $1,057 ,- Statistics on this point are not avail­ be performed increases on account of 194,000; 1926, $1,869,252,000. able to me, but in Los Angeles county money seeking an outlet and population The increase of population caused the number of subdivisions has in­ increasing, the title business becomes land to be subdivided for homes, apart­ creased from 9,000 in 1907 to 20,000 one which it is very difficult to organ­ ments to be built, business blocks to be in 1927. The number of lot books of ize. There are no raw materials to be erected, and real estate generally to be title insurance and trust company has handled, no machines to be operated; used. Banks, life insurance companies increased from 200 in 1907 to 420 in there is nothing but the record title to and building and loan associations found 1922, and to 719 in 1927, while the ac­ be examined and passed upon by one themselves in possession of funds avail­ counts in the lot books have increased proficient in law and civil engineering. able for use in financing the needs of from 500,000 in 1907 to 1,050,000 in Men who are trained in all branches , . people for land and supplied the neces­ 1922, and to 1,750,000 in 1927. It of title business are scarce and dif­ - sary capital. The loans secured by real would seem, therefore, that a strong ficult to obtain. The routine work of estate made by California state banks well-equipped title insurance company the examination of the record title is and building and loan associations has was more than merely helpful to the usually delegated to a group of com­ advanced from $268,590,000 in 1911 to welfare of a community. paratively inexperienced persons who $500,242,000 in 1920, and to $1,185,- The title insurance business as it ex- bring their problems to be settled by a 6 TITLE NEWS

man well grounded in the title busi­ exceptions mentioned in its policies. fact, is not and was not intended to be ness. This results in a congestion of All forms of life are becoming more the case. I find a good many claims work upon the desk of the examiner complex and strenuous. Time was when presented for hidden defects expressly or title officer to such an extent that a bank or individual loaning money not insured against but which the cus­ it is almost impossible to obtain a knew the location and general appear­ tomer thought were covered. One steady production. In order that the ance of property on which the money which quickly comes to mind is the needs of the public for rapid service was to be loaned. But now banks and possibility of a violation of the terms be met, it is necessary to route work mortgage companies, seeking an outlet of the commissioner of corporation's in as simple and direct a way as pos­ for large sums of accumulated capital, permit for the issuance of bonds, the sible. view properties only with an idea of law providing that bonds issued in vio­ It has always seemed to me that ascertaining their appraised value and lation of the terms of the permit are some good could be accomplished by a must leave to other agencies such ques­ void. Of course, it is natural that de­ systematic campaign of publicity de­ tions as possible violations of building mand be made on the title insurance signed to educate the public concerning restrictions and the claims of persons company to insure against such de­ the function of title companies. Many in possession. The most convenient fects when the inclination of its cus­ a person in buying or selling real es­ agency is the title company and, the tomers demand it. tate is in the hands of an agent who, form of evidence of title being exam­ My conclusion is that the title com­ as a matter of course, escorts him to ined and found to except such mat­ panies will not meet this problem in' a bank or title company to start an ters, it is requested to omit any or any one way but in numerous ways. escrow. The agent reads over the es­ all statements from its policies of title In New York a survey accompanies crow instructions and tells his client insurance, going so far as to practic­ nearly every policy. If the parties do, that he may sign just there on the ally insist on the covering of all mat­ not furnish a survey they usually or­ dotted line. Later someone has to pay ters by title insurance whether the der one to be made by the title com­ a fee to the title company for a policy same appear of record or not. pany which, as a matter of course, of title insurance and such person may Such action on the part of these maintains an engineering department groan inwardly at having anything institutions has resulted in title insur­ which makes such surveys. If no subtracted sur­ from the money he was re­ ance companies going beyond the ex­ vey is made a very broad exception is ceiving or added to his bill. amination of the record title and re­ placed in the policy reading that the Such a person does not realize that quiring surveys to be made to ascertain insurance is made subject to all mat­ for his use and benefit the title com­ any possible violation of building re­ ters that would have appeared if a sur­ pany has been maintaining a set of lot strictions, photographs to be taken to vey had been made. books with an account for every lot in show that construction has not been In concluding iny rem'arks permit me the county into which all the daily re­ commenced on the property in order to make one more observation. Con­ cordings and matters affecting title to to afford protection against mechanics' ventions not only afford a means of all property in the county are posted; liens, and notaries to be questioned to helping us individually and collectively that a crew of men have been employed avoid forgeries. If the loan looks at with our problems to our mutual ad­ and trained to serve him when the time all unusual, the problem of usury arises vantage but they give us a little rest comes for him to need them; that all like Banquo's ghost and the poor title and relaxation in our strenuous work. this costs money, and the only way such man must quake and fret and dive into Wordsworth says that as we grow older company can be compensated and exist the deal from all angles to lay for all the shades of the prison house round is by charging for its services when time this threatening figure. So it has us slowly close. If this be so yet surely requested. If the public were gener­ come about that by reason of the con­ there must he windows somewhere to ally informed concerning the plants centration of capital in distant points, glimpse the fair world we have left be­ and equipment of title companies and and in the hands of comparatively few hind. After viewing the grandeur of became more familiar with the knowl­ men who must attend to its investment Yosemite, and after bathing in the sun­ edge stored in the minds of title men, quickly and by leaving the details to shine at Arrowhead Lake, I am in­ the general respect for title insurance others, the title company is looked to clined to believe that our conventions would be correspondingly increased. more and more not only for insurance are useful not only for the informa­ The business of furnishing evidences against what is shown of record but tion we gain but because they loosen of title is in a constant state of prog­ also against any and all legal objec­ the bonds of our labor that we may ress with reference to the form of evi­ tions to the validity of the loan, enjoy again the beauties of nature in dence issued. Abstracts of title, which whether such objections are shown of the company of so many good friends. furnished to the customer a list of in­ record or not. struments of records, together with an Another set of circumstances has abstract of their contents, and under also arisen which is tending to place which little liability was assumed, have more liability on the title insurance almost entirely disappeared from use company and which set of facts the in this state. The attorney's opinion companies themselves are largely re­ based on such abstracts provided very sponsible for. Not so very long ago limited financial protection. Somewhat many of the evidences of title were in more responsibility was assumed by the form of guarantees expressly based title companies when they attempted to en the public records. Soon, however, serve their customers in a better way the policy form of title evidence sprang by issuing certificates of title. More into existence, which, although assur­ recently the guarantee of title, based on ing the person for whom issued that the official records and policies of title the title was in fact as shown, con­ insurance which afford protection from tinued to state that all secret equities, one or two matters outside the records, liens, trusts, easements, and the claims have placed more responsibility and of parties in possession, which did not liability on the issuing company, and appear of record, were not insured having proved a more acceptable form against. of evidence of title, have superseded In advertising the benefits of this certificates to a very great extent. So new form, in the stress of competition much for the past. What of the fu­ between title companies for business, Better be getting ready ture? statements were made which have led 'cause those convention ' - The tendency, as I see it, is to place the public to believe that nearly every­ dates will soon roll more and more liability upon the title thing in the way of a legal objection company and to ask the issuing com­ to the title is covered by the policy of around. pany to omit more and more of the title insurance which, as a matter of TITLE NEWS 7 LOOK AT OUR OWN PICTURE By Richard B. Hall, Executive Secretary, American Title Association

Most title men know why there is and steady type of citizenry. He plugs dress the meeting and tell of the mutu­ such a thing as a ti'tle man or a title along from day to day in the same old al admiration and good feeling they business. It is an essential and neces­ way most every day. He has a well de­ and the abstracter have for each other. sary work. Evidences of title have to be fined route that he traverses regularly. These good friends of our business will furnished so that much of the world's It leads from his home to the office, stand up before a gathering of our commerce, work, development and en­ from the office to the courthouse, back crowd and eloquently tell us of the terprise can be done, because they are to the office, and then the return route goodly virtues of the abstracter, of his dependent upon the basis of all wealth home. stability, responsibility, integrity; of­ -land. He is known as a moderate liver, fer to cash his checks, tell them of the importance and value of their work, have throughout the enjoys life in a conservative sort of a Governments laud them to the skies. Yes, yes, ab­ it as a governmental way, manages by hard work and self­ ages recognized stracters are surely God's chosen chil­ some method of denial to keep all his kids in school at function to provide dren-the very salt of the earth. keeping a record of and providing least through high school, averages his ·facilities for permanently establishing share at sending or helping them And yet no one ever heard of any a history of the real property rights through part or all of college and, all lawyers fighting over an abstracter's of their peoples and of the land of the in all, shows a record of an average estate. There are few records, if any, commonwealth. Even the ancient life, though always plugging and figur­ of there being enough left behind as Hebrews provided earthern vessels for ing to make it all work out. a result of a lifetime of hard work to placing the deeds and muniments of He seldom takes any long or real va­ make an interesting fee for an attor­ title to land in order that "they may cations because he cannot afford to be ney, those same boys who deli'ght so be preserved throughout the ages." away from the office, or at least thinks often in raving over the paltry few William the Conqueror created the he can't. This is both because he must dollars charge of the abstracter. grand idea for public records and a consider the reckless expenditure of Nor do any of these real estate men, land title system when he caused the both time and money which never bankers, attorneys, loan men or others whole of England to be surveyed (the seem to overburden him with their drive the abstracters standard car. Domesday Survey in 1060) and every plentitude. Of late, too, it is generally They cannot afford to. They must boundary fixed, every right of the recognized that he has a standard piece present .a better, more attractive and owner adjudicated and then a perman· of equipment. It is an automobile. prosperous appearance. It wouldn't do ent record begun by the facts being Those who have them usually have the for a real estate pr loan man to drive entered in the Domesday book. accepted brand for the abstracter-a around a prospective customer or in­ a good car. I has a wonderful land title Ford. vestor in anything but America that system, made possible of course by our My father started in the abstract never knew of but one abstracter standard protective laws and the public record­ business early in life-as his first real sported one of the country's cars, and I ing of documents. Commerce demands business venture, and stayed in it for medium high-priced with that this information be made available years and years. I was born and raised found out that it was purchased from his wife's bonds. He quickly, in such form that is easy of in it myself and worked through all the the coupons girl. inspection and determination, and last­ chairs in an abstract office-flunky, happened to marry a rich and ly that it be dependable for the use at taking-off, posting, running chains, There seems to be a negative the abstract hand. writing them up, getting out a daily critical atmosphere around business. Of course, there are reasons Thus was the abstracter born. No report of deeds, etc., on an old fiat bed mimeograph, working to build up a and things that make for such a situa­ one seems to have deemed him of tion. They will be gone into later in enough importance to have ascertained business, competing with competitors of all kinds and otherwise getting an our articles dealing with them. But the his date and place of birth. At first he facts remain that there is a certain was just a conveyancer, who thumbed insight into the thing by actually being in the business. I stayed in it so long antagonistic spirit directed against our through the few records and made a business. statement as to what he found or knew that it suddenly dawned upon me that I was really in it, and it in me; it was It is generally considered that the from hearsay. The first title plants abstracter has a cinch and his business were the furrowed brains of these really my vocation and about all I knew. is a gold mine; that he is most gener­ "record rats." Later the business be­ ously paid for his work; that it takes said, came more exacting and complicated Then as a well-known title man no investment, brains, effort or needs Hall got a job and and it became an "all time" job. Some­ accusingly, "Dick any responsibility, and that he pro­ work." That job be­ where and sometime in this period the actually went to duces his finished product by a wave of my present capacity. During the abstracter became a recognized busi­ came a wand. Real estate men, lawyers, ex­ good ness man, who must "know his few years that it has been my aminers and others tell hfm how to do the association's work stuff," have proper equipment, and be fortune to be in his work, and what they will pay him the established and responsible. many have been the observations, for it. Worse than that; they are not have In some places he is a small town things learned, the things that bashful in taking a generous part of I have abstracter; in others they call him and come to notice. From all this his charges as a commission or dis­ he calls himself a "cow county" or formed some conclusions. count for being big-hearted and gener­ "short grass" abstracter; in the larger All things, people, business, in­ ous enough to bring in the job and be places he is a city abstracter, but, all dustries, in fact, it seems about every­ a good patron of his office. in all, wherever and whenever, and in thing has troubles and problems. And He has unethical, cut-throat and all most places, he is just a good old plain believe it or not, the abstracter seems kinds of competition. He has all kinds abstracter. to have a lot of them and they evident­ of problems, but there are two very Always he has been recognized as a ly have always been with him. outstanding ones. First: his business .-, ' stable citizen, a good man, a prominent I have attended many title conven­ is not a dominant and respected one element in the advancement and well­ tions. It seems to be the custom (at despite the fact that there is none -more being of the community. He is steady, least so at nearly all of the many I essential or exacting. Second, the ab­ reliable and generally credited as being have visited) to have as a regular and stracter is not making money. He may 0. K. He never does anything rash or annual feature of the program, a make a living some places but not peculiar, out of the ordinary or lawyer, a real estate man, a banker or much money in many, and certainly, at strange. He is just a most desirable a loan man, sometimes all of them, ad- no time or place is adequately paid B TITLE NEWS when one figures the requirements-­ in numerical strength was still the ab­ The real accomplishment will only skill, cost of mechanical opei'ation, stracter, the "simon pure abstracter," be brought about when there is a general overhead, keeping up of plant as he is sometimes affectionally called. definite, well organized and determined and records-and most surely not The general organization took care of moveme~t of a broad and general when you figure the item of responsi­ his interests, but a few years ago it scope. Through years of effort, suffi­ bility whfch he must put back of his was found that there were particular cient and inspirational effort seems to work and the liability he assumes. problems of his to be considered and have been expended to make the time Some few years back he was un­ handled. The business affairs of the ripe for the necessary undertaking. doubtedly better "fixed" than now be­ rapidly growing Association, since A few years ago a few state title as­ cause conditions gave him a better changed in name to the American Title sociations were in existence. Some of break. He lived easier and better. He Association to more fittingly and them held conventions regularly, some was in business in good faith, worked broadly cover the business, had in­ just now and then. There might be a hard in building his plant and conduct­ creased to such an extent it taxed the good organization in a state for a few ing his business; put time, energy, active directing official body to the years and then it would calmly and yet personality and money, very life blood, limit. suddenly pass out· of existence due back into the business. So in 1923 at the Denver convention, entirely to lack of realization of re-. But demands have constantly in­ an abstracters section was formed, and sponsibility and expenditure of neces­ creased. The business has become most this gave a balanced, systematic or­ sary interest and effort by its officials. exacting. Ti>tles have become compli­ ganization, comprising the association. To this of course must be added the cated-longer. Masses of laws are Each branch of the business was indifferent support of the members. passed and decisions rendered by the represented by a sectional group· and The sum total of activities and un­ courts, adding to their history and the organization to look after and conduct dertakings of these state title associa­ work of the title man. Examiners have the special things needed by each. tions consisted in holding an annual come into being and they make exact­ And the past few years have seen experience meeting chiefly consumed in ing requirements, causing the ab­ this machine develop until .a thorough complaining about conditions, cussing stracter to put in more time and effort study and understanding of the busi­ competitors, feeling sorry for them­ on every job. Living conditions have ness in all its phases and with all its selves because the public did not ap­ changed. It costs more to live and he problems is now definitely defined and preciate the value of the abstracters' must pay more for helpers. Business presented. Action is going to be under­ work, and in figuring ways of escaping has developed marvelously. Problems taken to better things. liability under their certificates and of have increased and the abstracter now A study shows that the problems of paying county taxes. There was finds himself carrying a great load. the business today were its problems usually a second activity indulged in by And strange to say he can usually twenty years ago. About every five most state associations, and that was be found to be doing it either at the years the association has undertaken a making a frantic effort at each session same old price of years ago, or at an survey and attempted to find out what of the legislature to keep the Torrens increase sadly out of proportion to the needs be done, and then do it. Most of bill from being passed. increase that has entered into his cost these attempts were inspired by in­ of doing business within the last few coming new officials or some energetic Six years ago there were not more years. and refres·hed indivi'dual or group. than six really active state title associa­ The abstracter has been kidded by Everyone of these investigations tions. The American Title Association others, and has done an equal amount brought out the same things. Ques­ carried about eight hundred names on of kidding his own self. The demands tionnaires have been periodically cir­ its records that were in good standing. upon him are taxing him to the utmost culated and all have been given the The titlemen seemed very little con­ in everything. He is beginning to won­ same answers and information. cerned with the welfare and advance­ der what it is all aMut and how come. These questionnaires are on file, and ment of their business. True the ab­ He wants to be progressive, to better recently I got them all together, and stract •had improved, better ones in serve and at the same time profit from those circulated in 1907, 1912, 1917, looks and sufficiency were being pre­ his endeavors in at least the degree 1922 and 1926 could all be considered pared, title insurance and other more warranted. It begins to appear, for the and taken as the same, were they to be modern services were being gradually first time, that he will soon see better all put together and the paper of some inaugurated. But the improvements in days. Indications point that the title not so faded and discolored as the later the abstract did not come from the in­ business is alert, that those in it are ones. True, there are some new ones itiative and self-imposed duty of the on their toes. And why? on legal points, like federal liens, oth­ abstracter. They were brought about A few years ago, some twenty-one ers on recent developments occasioned by having to· meet the demands of the to be nearly exact, the title men of the by title insurance, etc., but ninety-five examiners and other users of abstracts country, at that time abstracters, per cent of them all tell the same who demanded something better and formed a national organization. Its story and list the same things whether better all the time. code of ethics and declaration of pur­ for 1907 or 1926. But times have changed. The paid pose show it to have been conceived The point is, the titlemen have not up membership of the American Title in the thoughts of service, and worthy solved their problems. They likewise Association today exceeds three thou­ principles that it might travel in the never seemed to have realized that no sand. There are twenty-seven state procession of business evolution. one else is going to do it for them. title associations, one i'n every state Sixty-seven of them met in Chicago . Strange to say no one wants to do our possible and practical to maintain one, in 1907 and organized the then Amer­ own job for us. The titlemen see, too, and where the title business is on an ican Association of Title Men. Soon that on every hand there are examples established and modern basis. There this thing of title insurance appeared, and proof of what other businesses, are individual members in twenty-eight and a title insurance section was made trades, professions and industries have other states. within, in order that the group inter­ done for themselves by united effort And in every state where there is a ested in it could have a medium for through the medium of their trade as­ state organization, that local associa­ consideration to the newly arising sociations, group actions, or getting tion is active, functioning and doing problems of that branch. Later attor­ together for the common good. things. Some have as members every neys came to have quite an influence The titlemen, particularly the ab­ title company in the state able to qual­ in title affairs, and the title examiner stracters who need it most, are awaken­ ify with the membership requirements. came into existance. So a title examin­ ing. It begins to appear that their None of them have suffered losses in ers' section was formed and those problems are going to be handled. Not number of members in the last few worthy gentlemen given a place in the only are there indications of their years, and on the contrary are growing organization. recognizing . the situation, but steps and getting into the ranks, all eligible Through all of this the great bulk have been taken .to actually accomplish and representative titlemen and com­ of the membership, and the backbone something. panies. TITLE NEWS 9

Annual conventions or experience meetings are not sufficient in this d

·-

Horseshoe Bend of the Chulitna from H ur r icane Gulch Mt. McKinley from Mile 279 on Alask a Railroad Brid ge TITLE NEWS 11

__ available to Convention visitors A I ask a because Seattle is a gateway ' · IAN Kl B c T I c 0 c A N

__ ...... _""' ...... ------...... I F I

'•, ,, .....

0 c ALASKA AND The Pacific Northwest

--- UNION PACIFIC SYSTEM - OTHER RAILROADS ------STEAMSHIP ROUTES

Copyrlgbted, 1928, by C. J Collini, for Union PMilfto System. 2-13·'28 ...... See opposite page for information. For more specific details or reservations, write to CHARLTON L. HALL, Chairman Convention Committee % Washington Title Insurance Co., Seattle, Wash. 12 TITLE NEWS SHOP TALK By C. B. Conrad, of Sycamore, Illinois

The foundation of our business as and page the proceeding is. It is sur­ proprietor answered, "Business? I ,...... ,­ abstracters, and the main requirement prising to know the number of estates don't know how business is. I have for membership in our twenty-year-old that inventory more than one parcel of been busy all the time keeping up your association, is complete tract indexes. land. By keeping your abstracted es­ system." We must keep them in the best possible tates indexed you know where your That is also possible in the abstract manner, ever with the idea in mind court orders in that estate are, and business, but the indexes I have re­ that ours are the only ones available. with the inventories and any files which ferred to, eliminating the tract indexes, Selection of binding, paper and ink particularly affect the real estate to be are not laborious to keep; any stenog­ are very important. Permanence in abstracted, you can make short work rapher who has had a little experience tract books is very desirable, and also of preparation. in an abstract office can index any of that you use the smallest number of Another of our indexes is an index them, and during quiet times of the books that will take care of your post­ to the lands of which we have abstract­ month or the year these indexes can• ings. With this in view, loose-leaf ed the title. Years ago in our office be brought up to date. books with binder locks prove very this information was kept in the coun­ We have a pad on the telephone satisfactory. ty atlas. The copy book and page was stand which we call the telephone, We have just recently started using put on the quarter section or on the tickler, and a notation is made on the a loose leaf tract index. Each block Jot and block. That old atlas, which pad of every call that pertains to an has two pages to start with. Here is we still have and refer to once in a abstract or title, just notes, made for your block, and your legal description great while, reminds me of the hodge­ the most part while talking over the over here. It is a perpetual index, be­ podge of the movies. Surely, it is a phone. A glance at these notes just cause as soon as a sheet is filled up Chinese puzzle. I am thankful that before quitting time is most useful in you insert another sheet. The only dis­ the showings in old abstracts are too planning the next day's work. We make advantage is that you have to use two brief for our local attorneys to pass no charge for information and this has pages at the start for each block, but at the present time, for if we had to been the means by which we have I think that this is a great deal better depend on the old atlas to locate our practically eliminated commissions than having a bound book with two copies we would soon wear it out. paid on abstract charges. pages to each block, and then when Since 1895 we have indexed all ab­ A paper dealing with office work those two pages are filled, having to stracts and continuations in a card sys­ would not be complete without a refer­ refer to a page in some other place for tem. Each section is divided into ence to estimates. 'How much will an additional postings. A book arranged quarter sections and each block has a abstract of my lot cost?" Every day this way will last. It is just a question space on the card for copy book num­ we have that question several times. of how much you get to put in it an~ bers and pages. The cards that I refer My stock reply is, "I will look it up how big a book you want; we have so to are prepared like this: There are and let you know." Then, as soon as many books to handle in our office four sections on a card. It is divided convenient, we go about it in the office that it has worked out very well, and into quarter sections. If you abstract just as if we were to make ·an abstract from now on we are going to use the the whole northwest quarter, put down of the property. That is, we make a loose-leaf binder for tract indexes. the copy book and page. If it is a rough caption sheet, take off the tract Posting in the miscellaneous index forty-acre part of it you note that book minutes, look up the estates and is most vital, and I would rather have abdve the numbers. There is an addi­ proceedings, and determine the cost-­ that index padded with instruments tion of which we made the original not an estimate, but the actual cost-­ than feel that it was kept in a haphaz­ abstract, and there is noted the copy and notify the questioner. The minutes ard manner. Use the miscellaneous book and page and there are lots that and partial take-off are filed away by index not only for present posting of we have continued in certain blocks. A township and city or village in an current take-off, but in making ab­ great many abstracters use a separate ordinary file drawer, and I tell you now stracts and in running through some of column in their tract books for this in­ I have never had to transfer that file. the older ones, many of the older trans­ dex. Practically all the inquiries blossom fers that should be classified in the in­ I am sure we all agree that there into real orders shortly. Our work is dex should be checked to see that they are few, if any, short cuts in the ab­ not duplicated, and all guess-work is are posted. An affidavit may look on stract business. The work must be done away with. first reading simply like a posting for done and done right the first time. It is well to have a firm rule in re­ the lot you know the parties are inter­ However, there are ways in which we gard to abstracts leaving the office with­ ested in, but there may be facts in it can eliminate duplication and save out the certificate attached for the that are of value and that will mean time. These indexes are all time-sav· purpose of examination and the filing money to you in the title of some other ers, alike in writing up abstracts, in of additional papers. No end of trouble parcel; so if the affiant declares, Philo making estimates, and in giving out in· sometimes results. If the lawyer in­ Slater, a bachelor, owned such and such formation at the counter or over the sists, we make the proposition that we a parcel on a certain date, post it in phone. How many times you are asked, will make no additional certificate the miscellaneous index. Affidavits, was there ever an abstract made to charge if the abstract is returned with- transcripts, blanket deeds, powers of such and such a parcel? Go to your in­ in ten days. However, we close and attorney, bankrupt$!Y orders, incorpora­ dex, get the card, and tell them over certify and bill the order. Such cases tion certificates, pre-nuptial agree­ the phone "Yes" or "No;" over the happen many times when attorneys are ments, deeds of trust, appointments of counter, show them, for seeing is be­ to file a chancery bill and want to trustees and assignments of judgments lieving. know what parties to make defendants. are a few of the postings for this in­ This is not only a time-saver, but it If they will give us a future order, as dex, regardless of your opinion as to promotes a feeling of satisfaction on a rule we furnish the minutes or notes their usefulness, now or future. your part, and certainly gives the without charge, and if the matter goes , We have some indexes in our office questioner the impression that your to decree of sale have them incorporate that have proved great time-savers. office is run with system. Which re­ in the decree that the master shall • - One of them is the "Abstracted Es­ minds me of the efficiency salesman order an abstract to date of sale and tates" index. That is an index of the who sold a patented system of factory pay for the same out of the proceeds. probate and chancery proceedings that accounting to a concern and called on Very few Circuit court sales are made we have abstracted. It is an alphabet­ them some few months after installing in our county without the abstract ical index and shows in what copy book his system to ask about business. The brought down to date in this manner. TITLE NEWS 13

Every abstract office should have its compared with the record at intervals library. The Statutes of the State of as frequent as possible, and then re­ Illinois is probably the most important checked for posting and booked and thing, and in our office the History of paged on your tract. You are done, as De Kalb County comes next. It is sur­ far as that instrument is concerned, prising the number of little things that there is no running to the court house. history has helped us out on. Our Our office has done that for seventeen record of the national proceedings years, and it is a time-saver and a should be kept for reference, and there money-saver. several books on real property that are a few things in­ are most helpful to abstracters. I have mentioned side the office which have helped us a We use a form of office caption great deal in the conduct of our busi­ sheets, which leave nothing to memory. ness. I know you all have indexes very All items must be checked before the similar and more highly developed and abstract or continuation is ready for efficient than is possible in a small of­ the typewriter, such items as judg­ fice such as ours; but it seems to me •ments, taxes, court house tract, office we are all on common ground in one tract, defendant and plaintiff index, matter. That is in our relations with case entry book, mechanic's liens, the the bankers, lawers, real estate men city court and the date must be and the public in general. We do not • checked. We check the tax collector's have a sales branch in our business, book · on every order and find out who and we cannot create a demand as paid the last year's general tax. dealers in merchandise or manufactu­ rers can, but we do have an element I remember how this paid us well in that I call sales service or just plain one instance. The tract book record satisfying those with whom we are do­ showed title in Ellen Howe. The tax ing business. Next to the reliability of OE DURKIN is dead. This was paid by Jerome Kirkpatrick, "Ex." our product, service is our most im­ announcement will come as We immediateely started looking and portant responsibility. Of course, we J a distinct shock to his host found the marriage of Jerome Kirk­ immediately think of the time ele­ of friends and acquaintances patrick and Ellen Howe and the will ment, as usually that is uppermost in throughout the country. He had of Ellen Howe Kirkpatrick; no in­ the customer's mind. been ill but a few days when be been filed. We also succumbed, Mar. 6. His death ventory had ever the entire taxes paid by another Right here is where sales service caused grief through frequently find community for, as expressed in party, a purchaser under contract and comes in; take a few minutes to show may have an an editorial, "there outside of the record, and we include your customer why he cannot have been men of wider acquaintance, this party in the judgment search. abstract from the Government to date but we doubt if there ever lived the next day after his order is given a man in Peoria who more We depend on the court house death and when you promise an abstract for thoroughly enjoyed the con­ record index, and of late years, since a certain date you should be very zeal­ fidence and esteem of his friends the joint tenancy deeds have been so ous to see that it is ready. than he. Joe Durkin was a mod­ have had many occasions' to est man, a pleasant companion, popular, diffident and death record. During the first week of each year retiring, somewhat use this little given to advancing his own we mail a letter to all banks, lawyers was a plats and ab­ claims to recognition. He As to plats, reference and real estate men in the county, good citizen, an honorable man, stracters' plats, no one will criticize an calling attention to the number of and Peoria will miss him all the abstract because there too many plats. loans and sales that usually occur in more for those good qualities." It takes time to show them and we January, February and March, Joseph P. Durkin was born in should charge accordingly. I wish especially on Mar. 1, and ask them to Peoria and had been all his busi­ there were a state law which made it in their abstract orders in plenty ness life a prominent figure in put circles. mandatory for all railroad companies of time for us to complete them by the business and financial He had been active in the Title to record their right-of-way maps, with time set for closing, so that all may be and to keep & Trust Co. for thirty-eight acreage, in each county, satisfied. This has been very success­ years. He was actively identified them up to date. The state highway de­ ful, and I recommend it to all who with all the worthwhile commun­ partment deserves praise for its record­ have not done so. ity enterprises; was a member of ed plats of land dedications for the the famous Creve Coeur Club various highways in Illinois, for with­ There has been a marked tendency and did much to further the out them some of the engineer's de­ to the consolidation of abstract com­ progress of that eminent organ­ be very difficult to and now many counties have ization; was an active religious scriptions would panies, sportsman; one private concern in the abstract worker; an ardent locate. but was noted for his charity work business. For this reasan, none can af­ always and heavy giving to worthy One of our local attorneys ford to be too independent in service, causes. Characteristically though, asks us, on delivery of an abstract, else we are bound to experience he never openly admitted or al­ "Where is this land?" I know the ques­ trouble from Springfield; and it takes lowed his name to be used in tion is coming. It is a very good ques­ only one spot in the state to make connection with ministration for tion, and our abstracts show beyond a trouble for all of us. the needy. doubt, if possible, even if we have In the title associations, "Ge­ notations in red ink and noted State conventions do us all much nial Joe" was a figure. He oc­ made in both the them "Abstracter's Notations." good, and I, for one, always go back cupied high positions home with renewed inspiration to dive Illinois Title and the American to one Title Associations. He never I have left the biggest time-saver I into the old game. The going either or­ get­ missed a meeting of know of in abstracting until the last. and looking forward to the next ganization-everyone knew that It is the card system of daily take-off. together helps keep me from going Joe Durkin would be present. Every instrument affecting real estate stale. Taking the state as a whole, we He was a real man; a lovable is taken off daily on a card, complete have reason to feel proud of our as­ character, who will be missed in f'or your abstract and filed -by docu­ sociation and our business, for in the person and yet forever carried in ment number. The information is last fifteen years abstracting in Illinois the memories of his qualities and taken from the original instru­ has become 100 per cent better, I am personality. ment and posted daily. This card is sure. 14 TITLE NEWS SEATTLE-CITY OF 400,000 POPU­ LATION-BUILT IN ONE GENERATION By CHRISTY THOMAS, General Manager, Seattle Chamber of Commerce

Members of the American Title 1. A mild climate the year around Seattle ranks third to New York and Association who attend the national which gives a distinct advantage to Boston in the value of foreign im­ convention in Seattle next June will labor production as well as health and ports, and second to New York in the find Seattle a splendid climax to an physical comfort. number of people entering the United interesting westward trip through the 2. Seattle's trade territory has tre­ States through port cities. Seattle' storied Pacific Northwest, a region mendous resources including timber, and Puget Sound are where the Brit­ which is becoming of increasing im­ minerals, fisheries, and agriculture. ish, Japanese and American trans­ portance in the economic life of this 3. Seattle is the gateway to Pacific lines are fighting for su- • nation. Alaska's expanding trade territory. premacy, due to the northern gateway Seattle itself is a colorful, pro­ 4. One of the great harbors of the being the short route across the Pa­ gressive, western city, with every world. Extensive low-priced indus­ cific. The American merchant marine facility for entertaining a convention trial sites. put five twenty-one thousand ton pas­ and possessing a group o:f business men senger and express ships on the route who plan to have the delegates get 5. Seattle has increased its foreign from Seattle to the Orient to meet the a real, close-up picture of Seattle and trade 1,122 per cent in the last decade competition from Japanese and British the country surrounding it. because it is the nearest American port lines and an increasing trans-Pacific to Asia. Those attending the convention are travel is going through Seattle. Se­ urged to intjude visits in Spokane, the 6. There is team play between em­ attle is the only American port having ployer and employe. famous Yakima and Wenatchee Val­ regular passenger service to Alaska. leys, Vancouver and Victoria, B. C., Tacoma, Longview, the remarkable in­ dustrial city between Seattle and Port­ land, and Portland, the rose city. Cities, like individuals, have person­ alities, and visitors will be impressed with the desire of Seattleites to make their city not only bigger but better, and soon the traveler senses the initia­ • tive which has prompted our citizens •• to take advantage of natural resources ••• and to develop a great world city of 400,000 people within the memory of some of the party of original white settlers. Fifty years ago Seattle was a timbered wilderness inhabited by a few pioneer white men and women. There were no railroads, no regular steam­ ship services, and no outside com­ munication. Today Seattle is a world­ known metropolitan city, the largest community west of Minneapolis and north of San Francisco. It is termini of five transcontinental railroads. The former frontier town of a few hundred souls is now a city of approximately 400,000. The western outpost has be­ come the financial, commercial and in­ dustrial and distributing center of the empire of the Pacific Northwest and Alaska, and is America's chief Pacific port in Asiatic business. Seattle is where geography dictated a great commercial city was to be built. Statistically, Seattle's growth is im­ pressive. The population figures for the metropolitan area are 1890-42,- i 000; 1900-80,000; 1910-237,000; 1920-402,000; 1926-430,000. Chance has played no part in Seattle's advance, for Seattle is where Seattle, with Mt. Ranier in Distance a great world city had to be. Some of the factors which have made for this growth and which insure its con­ tinuance, include: TITLE NEWS 15 The opening of the Panama Canal Pacific Northwest. Washington has and water transportation from the At­ fifty-five per cent of the population of lantic seaboard gives Seattle distribu­ the Northwest and its chief city is tors an advantage which has enabled Seattle, which has the added advan­ them to penetrate eastward into new tage of being the gateway to Alaska territory formerly restricted to Middle and the Orient, as well as the shipping, West distributors. transportation, distribution and manu­ facturing metropolis of the empire of Forty-five per cent of the popula­ the Pacific Northwest. tion of the Pacific Northwest is rural. Between 1910 and 1920 the area of The history of the past and the land in farms increased from 50,000,- study of natural resources, world trade 000 to 82,000,000 acres. The number routes and factors governing the of farms in the same period increased growth of cities must indicate to the thirty-six per cent. most conservative t hat there is no Puget Sound lumber has largely re­ question about our future size or placed southern pine at the consuming growth. points in the central states. The Pa­ But what is equally significant is cific Northwest's vast concentration of that here, in a region favored climatic­ standing timber wealth is estimated at ally and in the heart of America's 49 60,000,000,000 board feet, enough to great scenic wonderland, we are con­ and build thrice over the 16,000,000 frame tinually taking steps to make us a dwellings in the United States. better city. It is indeed remarkable Many people are overlooking the that a one-generation city, 3,000 miles Lake tremendous industrial advance made from the great congest of population in west ern Washington in the last of long established New England, can Louise three years in the pulp and paper in­ hold national records for low death in the heart of dustry. The producers of pulp and rate, low rate of illiteracy, high per­ paper are finding that this is the centage of home-owning citizens and ~, America's Alps logical place to manufacture and the unusually high educational standards. This means that Seattle's youth is a "Castle in the air" u United States Government experts de­ Banff's magni1i.cent new clare Or egon and Washington must, distinct asset, for we are able to profit hotel, enthroned on a within the next five years, start build­ by the experiences of older cities and crag overlooking the ing ten new pulp plants annually to copy that which is best. spectacular BowValley. meet the demand. In the pure joy of living no place " Shrine to Beauty'' ls excels Seattle, and besides all its won­ Chateau Lake Louise, Alaska, an empire one-fifth the size kneeling in golden pop­ of the United States, whose commerce derful physical and climatic features pies beside the loveliest (largely handled through Seattle, the it is fascinating to be a part of a com­ picture in all the world. only American port having direct pas­ munity developing almost overnight into a world center of indust ry and Here the smart and senger ·and freight service to the ter­ great of two continents ritory) approaches $1000,000,000 an­ commerce. come to play in soul· nually, is a single trade territory which Seattle is strictly a metropolitan expanding grandeur. many cities would covet as a pur­ Banff has the warm 1ul· city. Because of its youth it was able phur baths, the newly chasing district sufficient in itself. to avoid unwise features older cities With the completion of the govern­ remodelled golf course. acquired, prior to today's modern com­ Lake Louise has the gla· ment railroad, mines are being opened munity planning. Seattle has no ders and tea houses in up and settlement is going forward. slums. It has no narrow business the clouds. Both have Water power is being harnessed to run streets. It is one of the best lighted tennis, swimming, boat· gr eat paper pulp mills; ships for the cities in America. It has less illiteracy ing, dancing, thrilling motor and trail trips. first time in 1924 began carrying away than any other American city, with Alaska's lumber, and great oil com­ one exception. It has t he lowest an­ Some prefer Banff, panies are spending large sums to in­ nual average death rate of any large some like Lake Louise. vestigate Alaska's petroleum resources. Most people stop at city in the world. Seattle is t he chief both - that is, they do On that day when industrial su­ educational center of the North Pa­ if they make reserva· premacy favors that location having cific Coast. It is one of the few cities tions early enough. It's t he most and cheapest power, Puget in the United States where a child time now. Full infor­ Sound will play a prominent role. may begin with the kindergarten, go mation from. The State of Washington, with a maxi­ through grade, grammar and high mum of 8,647,000 H/P , has within its schools and receive training for al­ Any C a n adia n Pacific most any business or profession at a borders one-sixth of the nation's total. Distr ict Office Washington ranks third among the great university, and very exceptional forty-eight states in developed water advantages in music and the arts, with­ or power . Puget Sound today offers new out leaving the home city. industrial opportunities because of its G. P . Ca rbrey The convention visitor should re­ extensive power resources. With the main in the Puget Sound area long 12 Locust St. S t. Lou is, Mo. lowest per horsepower cost of in­ enough to enjoy the wonderful scen­ stallation in the United States the ery of this Evergreen Playground. P uget Sound district is assured of a Trips should be made to Rainier continued supply of electric current at National Park, Mt. Baker National the lowest possible cost. There is and Forest, alpine Jakes, like Crescent and has been ample developed power for Chelan, the Olympic Peninsula Won­ industrial requirements. Canadian derland, and all visitors should enjoy The federal government has seventy. cruises along the 2,000 miles of shor e five per cent of its Pacific Northwest line on Puget Sound. It is not a ques­ headquarters in Seattle because it tion of what to do, but how to crowd Pacific serves more people at less expense in visits to all the attractions in the her e than from any other point in the limited time. 16 TITLE NEWS a few minutes' walk from Paradise camps on the highway at Longmire Rainier National Valley, is Reflection Lake. The weary Springs and in Paradise Valley, ter­ hiker finds delight in swimming in its minus of the present highway. Accom­ Park Within Few clear and cooling waters and boating modations range from the excellent and fishing attract many. Hikes are and luxurious service of the modern Hours of Seattle taken into the very heart of the moun­ hotel to the simplest necessities for · Restless winds of spring are in the tains over woodland trails to rivers "roughing it." The visitor to Rainier air, whispering to all the urge of ad­ whose waterfalls fill the air with rain­ National Park is denied none of man's venture and travel; from the barefoot bow mists and whose deep pools hold comforts or nature's glories. lad with his fishing pole to the man of many a sporty trout. Horseback The long sought for fountain of money with trains and boats at his trips lead to ridges where the purple youth is really happiness. The beauty command. Some go north, some go haze of distant valleys and the snowy of nature makes man forget all else south. Others travel the world around, crests of mountain tops merge in but the good fortune of living in a tut nowhere is there that unique glocious vistas. The glaciers are world so wonderful. As soon as the charm of something different that pre­ visited. These great, mysterious great log gateway of the park is passed vails in Rainier National Park. masses of ice as they slowly move the whispering of forest giants in this down the mountain Beauty, no matter what form it side make the most fir-scented region breathes an air o! callous takes, brings happiness, and happiness forget the present and wonder restfulness. The majestic snow-clad at is the goal of all living creatures. the huge formations of another age. mountain, like a great father watching Sunlight There is no greater beauty than that sifts through the ceilings of over all the smaller ranges, gives a natural cathedrals formed in Paradise feeling created by nature. It is flawless and of security. The laughing• Glacier and a symphony of blues man models his art from nature's and streams and sunny wild flower greens meets with the other rainbow subjects. Where there is a great store meadows invite you to play. The keen hues in forming a spectacle of natural beauty there is inevitably too mountain air brings peaceful slumber glorious for the brush an abundance of happiness. or pen of man to the weary and happiness and con­ to describe. tentment fulfill The glorious Pacific Northwest the wishes of the has The Rainier National Park Com­ visitor to Rainer National been generously provided with scenic Park, the pany, pioneer in the development of mountain glacier wonderland of the beauties but mightiest of all is Rainier the Northwest, has built hotels and Pacific Northwest. National Park. Here all has been left as nature willed and nowhere else in the world is there such a variety of gorgeous scenery and spectacular for­ mations in an area so close to civiliza­ tion. Besides the vast store of scenic wealth in this park, there are two other causes contributing to its popularity. The park is so easily accessible from its four gateways that no inconveni­ ence or loss of time is necessary to make this trip over excellent highways from Tacoma, Seattle, Longview and Portland; and the delightful weather is reason alone for many visits. A mountain boulevard passes the snout of Nisqually Glacier where a few yards back the ice crashes and roars into the se(:lthing glacial torrent below. Forboding peaks pierce the heavens in weird forms. Meadows of alpen flowers, myriad hued, closely follow the receding fields of snow and many anxious blooms defy nature by pushing their cheerful heads through the earth's snowy carpet. Mountain goats, deer, beaver, mar­ mot and bears roam at will. There are scores of species of birds and small animals that have been zealously pro­ tected for years and today unafraid and curious, Rainier National Park animals are as interested in visitors as the visitors are in them. In mid-summer, when the sun shines brightly and the air is warm, the Alaska dog team may be seen whirling across fields of snow with a sled load of gay park visitors. These same fields of snow furnish ample space for skiing and tobogganing. But most en­ joyed of all snow sports in summer time is nature coatsing. Equipped with specially made "tin breeches" the .t. -r · merry coasters merely sit on the snow and gather momentum as they slide until the bottom of the hill is reached in a flurry of snow and laughter. Paradise Inn, Rainier National Park Nestled like a jewel in the foothills, (Four Hours from Seattle) TITLE NEWS 17 Federal Lien Cannot Be Released ~======'*·· Until Liability is Satisfied Complete Not Possible for Collector to Make "Accommodation" Release Advertising to Preserve Priority of Mortgage Lien Service for

The Revenue Department has defin­ list was received by the collector, ex­ Title & Mortgage itely decided whether or not an exist­ cept when otherwise provided, until ing federal lien can be released as an the tax is paid, upon property or Companies rights to property belonging to the accommodation matter. It must be Our staff is comprised of ex· satisfied to be removed. This settles taxpayer. perienced specialists in fin· the matter then as to the status of There is a further provision in the ancial advertising. Our ser­ such a lien in getting it temporarily statute that such lien shall not be vice includes booklets, news· removed to preserve the priority of an valid as against any mortgagee, pur­ paper advertisements, com· existing mortgage when said mortgage chaser, or judgment creditor until plete campaigns and advertis· is being renewed or there is some re­ ing counsel on every phase notice of the lien is filed as provided of the business. We have financing that involves new papers. in the statute. When a lien has at­ served a number of well •The Federal Lien will not be removed tached to the property of a delinquent known Title and Mortgage to allow mortgage papers to be re­ taxpayer it may not be released ex­ Companies and we feel sure corded so as to have the status of first cept as a result of satisfying the tax that we can be of profitable liens, and then the federal lien re-filed. liability or after the institution of service to you. The decision as reported Mar. 15 proceedings for the purpose of en­ Full particulars upon is as follows: forcing the lien. Section 3207 of the request. Bureau of Internal Revenue, General Revised Statutes, as amended, and as Counsel's Memorandum, 3205. reenacted in Section 1127 of the Rev­ enue Act of 1926, sets forth the appro­ The Government attached a lien for priate proceeding to enforce the lien taxes on certain real property on of the United States upon real prop­ which a mortgage already existed, and erty, or for the determination of the the General Counsel, Bureau of In­ rights of interested ,Parties where the ternal Revenue, is now asked whether lien of the United States is junior to the tax lien may be released in order the liens or claims of other parties. Roux &Co. to permit renewal of the mortgage 18 ERIE PLAZA and then refiled. It is, therefore, the opinion of this His answer is in the negative, for office that a collector is without au­ MONTCLAIR, N. J. the reason that there can be no devia­ thority to release a lien which has at­ tached to the property of a delinquent tion from the statute requiring satis­ ~~~~t======:::::::i'*~ faction of the tax liability before the taxpayer except as a result of the sat­ Statutes, as lien is released. Following is the full isfying of the tax liability or of in­ Section 3207, Revised amended. text of the memorandum: stituting a proceeding as provided in Advice is requested relative to the release of a lien for federal taxes. lien It appears that the Government's ON THE INDIAN DETOUR, SIDE-TRIP THROUGH HISTORIC has attached to certain real property A FE ROUTE formerly belonging to A and by her NEW MEXICO ON SANT deeded to the M Company. A mort­ gage on the property was executed by A prior to the transfer of the prop­ erty to the M Company. It is desired to renew the mortgage and the loan secured thereby, and this renewal will necessitate a release of the present mortgage and the execution of a new one. The mortgage is prior in point of time of recording to the lien for federal taxes, and the mortgagee wishes to preserve this status. The collector has been requested to release the lien pending the satisfaction of the present mortgage and the record­ ing of a new mortgage. Liability Must Be Satisfied. The present inquiry is for advice whether "it is right and proper that the lien should be temporarily raised and refiled upon the renewal of the mortgage. Under the provisions of Section 3186 of the Revised Statutes as amended, if any person liable to pay a tax neglects or refuses to pay the Courtes11 A. T. & S. Fe Railroad same after demand the amount shall Taos Indian Pueblo, Taos, New Mexico be a lien in favor of the United States from the time when the assessment 18 TITLE NEWS

Compiled from Recent LAW QUESTIONS Court Decisions by AND THE McCUNE GILL, Vice-President and Attorney COURTS' ANSWERS Title Guaranty Trust Co., St. Louis, Mo.

Is a single contract of a foreign When does possibility of will corporation "doing business"? contest expire as to minors and Held not doing business in Tennessee unless there married women? was an intention to continue the business. Richmond Usually not until after their disability is removed, even v. Minter, 300 S. W. 574. though later than the statutory period. Buchanan v. Davis, 300 S. W. 985 (Texas). Does record constitute notice, if recorder omits part of deed? Is ten year trust good? • It is not notice if the copyist's error is in the deed it­ Held void in California because measured by years and self, but is notice if part of the acknowledgment (sig­ not by lives, (the. 25-year act being held unconstitutional). nature) is not copied. Wilkins v. Reed, 300 S. W. 588 (Ten­ McCray v. Citizens, 260 Pac 940. A similar 30-year act nessee). was passed in Wisconsin in 1927.

Does contract of sale void the Is beneficiary's interest in trust insurance? "for ten years and then to my It does, because seller ceases to be the sole and un­ heirs," vested or contingent? conditional owner. Hartford v. Bishop, 300 S. W. 608 (Kentucky). Vested; and can be sold under execution even though interest is only equitable. Thompson v. Zurich, 260 Pac. 658 (Kansas). Is a verbal partition good? It is if the parties take possession of the parts allotted Can notary correct acknowledg­ and improve them. Citizens v. Billingsley, 300 S. W. 648 ment to show (Texas). true facts? Not in Florida, especially as to separate examination of wife in conveyance of homestead property. Robinson Where the holders of two defec­ v. Bruner, 114 So. 556. tive adverse titles are both in pos­ session, who wins? Is acknowledgment over tele­ The one whose possession commenced first. Koch v. Jenkins, 300 S. W. 469 (Missouri). phone good? Not in Florida. Robinson v. Bruner, 114 So. 556. Can an error in a will be cor­ rected by court decree? Is release of reversion good if no Usually not; but court can so construe the will as to breach has occurred? result in correction of error in description. Paris v. Eris­ Held good; and binds future heirs. Trustees v. Put­ man, 300 S. W. 487 (Missouri). nam. 224 N. Y. S. 651 (New York). Is a person who never lived in the state, a "non-resident"? Does statute of limitations run against remainderman during Zif e Not always; thus a divorce was held void where husband moved to Missouri leaving wife in other state; (on theory estate? that she was not "non-resident," as her domicile followed No; as in suit to correct unauthorized alteration of his). Hairs v. Hairs, 300 S. W. 540. deed. Cross v. Jones, 158 N. E. 694 (Illinois).

ALONG THE WAY ON THE ALASKAN TRIP

Mt. McKinley Columbia Glacier, in Prince William Sound Alaska Bound TITLE NEWS 19 Is adverse possession good if real owner does not know of it? Yes, if possession is exclusive and notorious. Harrison v. Speer, 114 So. 515 (Florida). Is "Daily Record," devoted .to ES LEE CK news of courts, a legai newspaper for constructive service? Held not sufficient where circulation was 350 in county of 150,000. State ex rel .v. Rose, 114 So. 73 (Florida) . Thin Papers What races can be naturalized? Only white and black; not foreign born yellow, brown, or red, nor half breeds; but Filipinos and Mexicans can for be. In re Fischer, 21 Fed. (2nd) 1007, U. S. Dist. Ct., (California). Are Land Trust Certificate file and permanent records, agreements valid? Held good in Wisconsin and not a perpetuity nor res- forms, copies, title reports "traint on alienation, if shares are vested and assignable, (even though expiration of trust is indefinite), Baker v. and memoranda, ab­ Stern, 216 N. W. 147. (Contains verbatim copy of Land Trust Agreement form.) stracts and general Is a "service charge" by a lender considered usury? use It is usury if the only service was passing on the se­ curity or the title; but not usury if the service was selling the bonds and superintending the building. Miller v. Ash­ ton, 216 N. W. 448 (Michigan); Real Estate v. Robhor, 139 Atl. 351 (Maryland). ------Does easement terminate when both tracts become vested in the same person? Yes, basement merges with reversion, Schifferdecker v. Busch, 225 N. Y. S. 106 (Easement for waterpipe). THIN-STRONG-PERMANENT A Scene Along the Way to the 1928 Convention They are manufactured from the best new rags, which gives the necessary strength and per­ manency for records of value and all forms which are handled to any extent. They save filing space and postage.

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Send for interesting book: "FACTS ABOUT THIN PAPERS" 20 TITLE NEWS MT. BAKER NATIONAL FOREST The West's New Summer Playground is an When a Man's in a Easy Convention Side-Trip Real Hurry ...... Perhaps this may seem a bit early Meadows in the heart of the Mt. Baker to be planning your summer vacation National Forest, through mile after -he wants SERVICE-service but not when it means attending the mile of giant evergreens such as only at any cost. American Title Association Conven­ the West boasts of. Snow-clad moun­ So it is with every abs_tracter tion in the "charmed land." tains, rushing rivers and tumbling when his "bread,and, butter" waterfalls thrill the expectant tourist You who have been privileged to client dashes in with an abstract attend previous conventions and know as he climbs up and up to the 4,000 foot elevation, not too high for com­ that must be gotten out "sooner the pleasure and profit derived from than quick." meeting hundreds of keen, progressive fort but high enough to give the ex­ business men in your line of work hilaration which only mountain air And here's where we come need no second invitation to avail can give. in. Our specially equipped plant yourself of this opportunity. Heather Meadows is indeed well and years of experience in the Naturally each convention is just a named, a beautiful mountain meadow, printing of abstracts have en, little finer than the last but the con­ carpeted with heather of every known abled many an abstracter to vention in Seattle, June 26 to 30, color, dotted with numerous little mountain lakes frianged with sturdy satisfy his clients' desires for should be the biggest and best yet speed without sacrificing one held for, in addition to having every evergreens, the whole surrounded by facility for a successful convention, a complete panorama of snow-clad iota of accuracy. And the sur' no city in the United States can offer peaks seldom seen from any resort. prising part is that the cost is the variety of wonderful side trips to Mt. Baker Lodge, of Swiss architec­ actually less than others charge. be taken before and after the conven­ ture and decorated throughout the We can help you to m1>et these tion. lobby and lower floor with the Indian "rush .. requirements, too. If you'][ Because the grandeur of our west­ motive, is built on the shore of Sun­ just tell us your needs, we 'II be glad ern mountains is unexcelled in any rise Lake in whose crystal clear sur­ to quote prices and send sam pies of part of the United States, Mt. Baker face is reflected the majestic glacial our work. clad slopes of Mt. Shuksan, standing Lodge, built in Mt. Baker National A·R Forest in the heart of the Cascade like a silent sentinel on guard. mountains, has a particular appeal to Warmed by the summer sun, Sun­ BUCKINGHAM the people from other parts of the rise Lake affords delightful bathing & SON country and no stay in Seattle and and an Indian dug-out canoe provides PRINTERS OF ABSTRACTS OF TITLE the Puget Sound country is complete the ideal kind of boating when guests l 'i South Market Street feel so inclined. without at least a day or two in this CHICAGO new scenic wonderland which was The lobby of the lodge, 50 x 130 opened to the public last year. feet in length, has windows on three sides and a large stone fireplace at one A modl!!'n printing plant with old-fashioned To Mt. Baker . Lodge belongs the ideas about courtesy and fair play. distinction of being the only resort of end where a cheery fire blazes when­ its kind-community owned-the ever the weather permits. At the op­ property of 650 of the business men posite end of the lobby is a view of Bellingham, an alert, progressive tower, seventy feet in height, from city of 37,000, ninety-six miles north which may be had a magnificent view erated nearby. Ice cold mountain of Seattle and twenty-eight miles from of the surrounding mountains, lakes water has been piped from a spring the Canadian boundary. and forest which words are poor to several thousand feet above the hotel. The building of the lodge is an in­ describe. No resort offers greater recreational teresting western story, the final chap­ The dining room, 50x90 feet, ad­ features than Mt. Baker Lodge, boat­ ter of which was written last year joins the lobby and will accommodate ing, bathing, fishing, hiking, mountain when the lodge opened its doors on 500 guests. climbing, horseback riding and snow July 1 and at once took its place as Two floors are given over to guest sports being popular during the day­ one of the foremost resorts of the rooms, ninety rooms having connect­ time and dancing, cards, radio pro­ United States. ing baths and forty having hot and grams and special entertainments be­ Splendid roads take you from Bell­ cold water. All rooms are electrically ing enjoyed during the evening. ingham to the lodge, built at Heather lighted and heated with power gen- The side trips to be taken from the

~ · y .

A Mt. Baker Scene in August Mt. Baker Lodge TITLE NEWS 21 from the upper levels and never at any time is it necessary to go far from the lodge to enjoy winter sports, snow­ ACREAGE and CORRECTNESS balling, coasting, etc., being indulged in by both young and old during the OF SURVEYS OF LAND entire season. The more popular should be assured by lawyers, ab­ stracters, conveyancers, realtors and trips are those to Panorama Dome, tax officials. This can be done -- Table Mountain, Chain Lakes, Kulshan dependably with Ridge, Austin Pass, Baker Lake, Sholes Glacier, etc. "LAND AREAS" Organized parties leave the lodge easily understood and Il­ twice daily under the leadership of a lustrated with many plats. A high school miss de­ thoroughly experienced guide and all termined the area and er­ necessary equipment for such trips rors o! a survey of 11 sides. A boy, not In high may be rented from the guide depart­ school, did so with this ment. survey. If a survey can- ,_. not be solved with 'tf. , ... \ " Service in keeping with a half mil­ "LAND AREAS," It Is ~ /; .ffs..~ iJP." wrong and the surveyor /j ~ ~~ lion dollar investment is found should resurvey the tract. · '<: throughout the lodge, as neither time nor money has been considered by the Price $2.00 stockholders in the building and equip­ Cloth, 78 Pages Second Edition ment of this showplace of the Pacific Northwest. W. E. PETERS, Athens, Ohio This is but a brief word picture of one of nature's masterpieces which awaits your approval this summer on your trip to Seattle and, should it be your good pleasure to spend a few days enjoying the beauties of the Mt. Baker region, we believe you will un­ lodge are numerous and may be taken derstand as never before the charm on foot or on horseback, with or with­ of the country "Out Where the West out guides. Snow never disappears Begins."

Some Timely Comments on Prices No Rubber and Responsibilities of No Fuss Automatic Abstract Work Inking The Wisconsin Title Bulletin re­ parts of the country, disclose the fact Simply Press cently contained the following very that there is a wide difference in the the Plunger pertinent article. While it mentions prices charged for the same service in A Revelation Wisconsin, the name of any state adjoining counties and sometimes in in Clear could be inserted. Every statement is the same county. Again it is well Impressions worthy of consideration. known by all abstracters that certain Dates for 12 Year's What is a fair price for the various services are frequently rendered at a abstract services which abstracters are loss in order to hold certain customers, Outlasts Dozens of called upon to render in Wisconsin? as, for instance, certificates or letters Rubber Stamps of title, when the title or titles in ques­ The Wisconsin abstracter or Title Clean-Economical Association has now been in existence tion are difficult and complicated, by twenty-one years and in that time al­ reason of metes and bounds descrip­ Beautifully Finished most every possible question has been tions or estates or court proceedings or in Duco, Choice of discussed and considered at our annual litigation requiring examination. Two Colors-Jade or Mandarin meetings but this one. Why has this Again as properties advance in value subject never been taken up? Surely and titles become more complicated for­ no subject is more important both to eign examiners especially as well as the public and the abstracters them­ others are constantly making more selves. and more stringent requirements as to certificates, frequently placing upon the Unless a fair price is paid, good abstracter the entire responsibility for service, it is well known, can not be the correct solution ·of various legal rendered. Criticism of abstracts and questions arising upon the record, as, abstracters past and present is often for instance-what names are so nearly indulged in, but perhaps the abstracts "idem sonans" as to require examina­ APR30'32 criticized were as good as could be fur­ tion for judgments although not spelled AMERICAN NUMBERING MACHINE CO. nished for the price paid. Atlantic Ave. Brooklyn, N. Y. the same as the owner's name as it Branche• In some states, notably Minnesota appears on the record? CHICAGO LONDON PARIS and South Dakota, the price is fixed by Again is it quite fair to ask abstract­ statutes at so low a figure, the writer ers, at least without additional com­ Values, conditions, laws and pur­ is informed, that the barest skeleton of pensation, to be responsible for any use poses in connection with which ab­ an abstract is all that can be furnished to which their abstracts may be applied stracts are used are constantly chang­ for the money. in the hands of anyone to whom they ing and every abstracter knows that Some recent investigations in various may come although not the ones for many customers are much more exact­ parts of Wisconsin, as well as other whom prepared or furnished? ing and critical than others. Why then 22 TITLE NEWS should the abstracter be required to as­ one year and covers property in excess sume a responsibility not laid upon the ·1ou saop oqM. UUUl u JO a.1.n1a!d of $5,000 in value an additional charge shoulders of the parties through any should be made. other contract? ~. The charge for showing wills, No lawyer or other professio~al man, final judgments and other county or or even tradesman, it is well known, circuit court matters should be based incurs any responsibility to any other on the time required for the examina­ person except the one to whom his opin­ tion as well as the number of pages - ion or advice or other services is given shown in the abstract. and paid for. Why then should an ab­ 5. An extra charge should be made dif­ stracter be held to an altogether as to the certificate for judgments, ferent and much harsher rule? liens, and other items abstracted from The fact is abstracters almost uni­ the federal court records, as well as versally are in need of a lot more plain tax liens in the city clerk's office. common sense, business backbone than they are accustomed to exhibit. Even 6. An extra charge should be made if a special certificate involves no ad­ for special certificates required by com­ ditional responsibility it puts upon the panies such as the Nortli.western Mu-. abstracter the necessity of determining tual Life Insurance Company, the Fed­ that question and perhaps paying for a Picture of a man who belongs to eral Farm Loan, and the Prudential legal opinion to do so. bis trade association, and takes Insurance Company. The additional It seems to the writer therefore that an active part in its affairs. liability of these certificates as well as ·. the time is ripe to take up this whole the extra work entailed requires that subject in a fair and reasonable spirit a charge should be made for such cer­ and try to reach some honest and in­ other long or complicated instruments tificates. telligent conclusion about it, and by requiring special examination $2.00 or 7. A minimum charge of $4.00 an way of a starter the following is sug­ more. This is the minimum charge of hour for comparing and certifying to gested as a fair rate of charge in the the registrar of deeds of most counties abstracts made ou~ide of the abstract average county for the services named. for merely copying these instruments. office, and one-half of the regular rate from 1. Letters or certificates of title 3. For search and certificates (of for making copies of abstracts should in no case be less than $5.00 for continuations) the charge should be in your own office. each chain of title covered and if spe­ all cases $3.00 in addition to twenty­ 8. A conference of neighboring cially difficult an additional charge five cents for the names of all owners counties shrould be held for the pur­ should be made. shown in the certificate, and in addition pose of securing their adherence to 2. The charge for ordinary deeds to the charge for instruments shown. similar rates adopted in any one should be $1.00, and for trust deeds and If the time covered is for more than county.

NEW DESIGNS in Abstract Covers, Caption Sheets, Index Sheets and Certificates We offer for your individual use our: CAPTION SHEETS Lithographed or Steel Die Embossed. AJSTIACI.. INSIDE SHEETS TITH Printed, Ruled or Watermarked with your individual design or trademark. CERTIFICATES We are prepared to print certificates to conform to your state laws, personal ideas and local customs. COVERS Lithographed-either Linen or high grade Document cover stock. , ~ , We are prepared to produce special ruled and printed forms, ,\USTlt.\ClT !!TllJ'IJE '01oo('"'t°""- ~o••••••hM _i,,,,. Numerical Indexes, Blan~ Boo~s, etc., and anticipate the Opportunity of quoting prices CRANE & CO. Printers, Stationers, Binders TOPEKA, KANSAS - - STATIONERY, OFFICE SUPPLIES, FURNITURE a TITLE NEWS 23 The American Title Association Officers, 1927-1928

General Organization President President, Guaranty Title Trnat Committee. The Vice President President, Mlsalaalppl Ab1tract, Company. of the Association la the Chairman Title and Guaranty Co. Walter 114. Daly, Portland, Ore., the Committee.) Stoney, San Francl1co, Cal., Preeldent, Title and Trnat Com­ Executive Secretary of Donze) Term Endinir 1928. Executive Vice President, Title pany. Richard B. Hall, Kansas City, Mo., Insurance and Guaranty Co, Vice President Midland Building. J. W. Woodford~ (the retlrlnir president) Seattle, Wash., Presi­ Term Endins 1929. Edward C. Wyckoff, Newark, N. Executive Committee dent, Lawyers and Realtors Title Henry B. Baldwin, Corpus Christi, J., Vice President, Fidelity Co. Title Title and Mtir. Guaranty (The President, Vice President, Insurance Tex., President, Guaranty Union President, and Co. :, Co. Treasurer, Retlrinir Fred P. Condit, New York City, Chairmen of the Sections, ex­ Vice President, Title Guarantee J. M. Dall, Chicago, Ill., Vice Treasurer oftlcio, and the followinir elected and Trust Co. Pres., Chicairo Title and Tru1t J. 114. Whitsitt, Nashville, Tenn., members compose the Executive M. P. Bouslotr, Gulfport, Mlsa., Co.

Sections and Committees Abstractera Section Willia N. Coval, Indianapolis, Ind., Connecticut-Carlton H. Stevens, District No. 7: Vice President, Union Title Com­ New Haven, Secretary, New Ha­ B. Vermil­ Chairman, James S. Johns, Pen· pany. North Dakota-George dleton, Ore., President, Hart• ven Real Estate Title Co. ya, Chairman, Towner, Presi­ man Abstract Company. Ralph Burton, Detroit, Mich., Vice Rhode Island-Ivory Littlefield, dent, McHenry County Abat. Co. Vice-Chairman, Alvin Moody, President, Burton Abstract and Providence, Vice President, Title Minnesota-John B. Burke, Attor­ Houston, Tex., President, Texas Title Co. Guarantee Co. of Rhode Island. ney, St. Paul, Guardian Life Abstract Company. Lester E. Pfeifer, Philadelphia, Massachusetts-Francis X. Carson, Building. Secretary, W. B. Clarke, Miles Pa., Title Officer, Chelten Trust Springfield, Vice President, Title Wisconsin-Julius E. Roehr, Mil· City, Mont., President, Custer Company. Insurance and Mtg. Guaranty waukee, President, Milwaukee Abstract Company. Jas. D. Forward, San Dieiro, Calif., Co. Title Guaranty and Abst. Co. Vice President, Union Title In­ Title Jnwnmce Section Michigan-Georire R. Thalman, De­ surance Co. District No. 2: troit, Assistant Secretary, Bur• Chairman, Edwin H. Lindow, De· Pennsylvania-Pierce Mecutchen, ton Abet. & Title Co. Philadelphia, Title offi­ trolt, Mich., Vice President, Committee on Cooperation Chairman Union Title and Guaranty Co. cer, Land Title and Trust Co. District No. 8: Vice-Chairman, Stuart O'Melveny, Jaa. P. Pinkerton, Chairman, Virginia-John D. Thomas, Philadelphia, Pa., Vice President, West South Dakota-Fred Walz, Chair• Los Anirelea, Cal., Executive Wheeling, Attorney, Wheeling man, Milbank, President, Con­ Vice President, Title Insurance Industrial Trust Title and Sav­ Steel Bldg. and Trust Co. lnirs Co. solidated Abstract Co. Secretary, Kenneth E. Rice, Chi· Richard P. Marks, Jacksonvllle, Virginia-H. Laurie Smith, Rich­ Iowa-Ralph B. Smith, Keokuk. mond, President, Lawyers Title cairo, Ill., Vice President, Chi· Fla., Vice President, Title and Hedge, Lincoln. cairo Title and Trust Co. Trust Company of Florida. Insurance Corporation. Nebraska-Verne John F. Keogh, Los Anirelea, Calif., Wyoming-Chas. Anda, Casper, Title Examiners Section Vice President, Title Guarantee District No. 8: President, Natrona County Ab­ Chairman, stract and Loan Co. Chairman, John F. Scott, St. Paul, and Trust Company. Florida-0. W. Gilbart, Build· N. St. Petersburg, Secretary, West Minn., 81' Guardian Life Cornelius Doremus, Ridgewood, Coast Title Co. lnir. J., President, Fidelity Title and District No. 9: Vice-Chairman, 0. D. Roats, Mortgage Guaranty Co. .~orth Carolina-J. K. Doughton, Kansas-E. S. Simmons, Chair· Sprlnirfield, Maas., c/o Federal Theo. W. Ellis, Springfield, Maas., Raleigh, Vice President, Title man, Topeka, Manager, Colum­ Land Bank. President, Ellis Title and Con­ Guaranty Insurance Co. bian Title and Trust Co. Secretary, Guy P. Lonir, Memphia1 veyancinir Co. South Carolina-Edward P. Hod­ Oklahoma-G. M. Ricker, El Reno, Tenn., Title Ofllcer, Union ana Sydney A. Cryor, Spokane, Wash., ges, Attorney, Columbia, Pal­ Secretary, El Reno Abstract Co. Planters Bank and Trust Co. Attorney, Federal Land Bank. metto Building. Colorado--Foater B. Gentry, Den­ Kenneth E. Rice, Chicago, Ill., Vice Georgia-Harry M. Paschal, At­ ver, Vice President, Republic Procram Committee, 1928 Con· President, Chicago Title and lanta, Vice President, Atlanta Title Guaranty Co. ventlon Co. Trust Title and Trust Co. New Mexico--D. D. Monroe, Clay­ Walter H. Daly, (The President) ton, President, Clayton Ab1tract Chairman, Portland, Ore. .Judiciary Committee District No. 4: Co. Edwin H. Lindow, (Chairman, Title Tennessee--W. S. Beck, Chairman, Insurance Section) Detroit, R. Allan Stephens, Chairman, Chattanooga, President, Title District No. 10: Mich. Springfield, Ill., Brown, Hay and Guaranty & Trust Co. Jameo S. Johna, (Chairman, Ab· Stephen•, Attorneys. Texas-R. O. Hult, San Antonio, Fowler, Jr., atractera Section) Pendleton, John Siefert, Utica, N. Y., Presi­ Kentucky-J. W. President, Texas Title Guaranty Ore. Mort­ Louis ville, Counsel, Franklin Co. dent, Central New York Title Company. John F. Scott, (Chairman, Title gage & Title Co. Examiners Section) St. Panl, E. D. Dodge, Miami, Fla., Man­ Ohio--.J. W. Thomas, Akron, District No. 11: Minn. ager, Dade County Abstract, President, Bankers Guaranty California-Morgan E. Lame, Title Co. Hall, (the Executive Title Insurance and Trnat Co. Chairman, Sacramento, Secre­ Richard B. tary, Sacramento Abstract and Secretary) Kansas City, Mo. Stuart O'Melveny, Los Angeles, Indiana-Earl W. Jackson, South Calif., Executive Vice President, Bend, Secretary, Indiana Title Title Co. Committee on Membership Title Insurance and Trust Co. and Loan Co. Utah-Alex E. Carr, Salt Lake City. B. Caulder, Chairman, Lon­ Oakley Cowdrick, Philadelphia, Pa., Bruce Vice President, Real Estate Title District No. Ii: oke, Ark., President, Lonoke and Trnat Co. Nevada-A. A. Hinman, La• Ver­ Real Estate and Abstract Co. Insurance Louisiana-Lionel Adams, Chair­ as, President, Title and Trust (The President and Secretary of Edward F. Dougherty, Omaha, man, New Orleans, Vice Presi­ Company of Nevada. each atate association constitute Neb., Attorney, Federal Land dent, Union Title Guarantee Co. the other members of thla com­ Bank. Alabama-C. C. Adams, Birming­ Arizona-J. J. O'Dowd, Tucaon, mittee.) Odell R. Blair, Buffalo, N. Y., ham. Secretary, Alabama Title President, Tucaon Title Insur­ President Title & Mortgaire and Trust Co. ance Co. Committee on Constitution, and Guaranty Company. By-Lawa Misslsaippl-F. M. Truuell, Jack­ son, President, Abstract Title District No. 12: M. P. Bousloir, Chairman, Gulfport, Leclslative Committee and Guaranty Co. Washington-Hugo E. 01wald, Mias., President, MisalHippl Ab­ Title Officer, stract and Title Guarantee Co. Chairman, Seattle, Mark R. Craiir, Chairman, Pitts­ District No. 6: Puget Sound Title ln1. Co. C. A. Loewenberir, Syracuse, N. Y., burgh, Pa., Title Officer, Potter Vice President, Syracuse Title Title & Mortgage Guaranty Co. Arkansas-Elmer McClure, Chair­ Oregon-R. S. Dart, Bend, Man· I -. and Guaranty Co. man, Little Rock, President, ager, Deschutes County Abstract District No. l: Little Rock, President, Little Co. Walter C. Schwab, Philadelphia, Rock Title Insurance Co. Pa., Vice President, The Title New Jersey-Stephen H. McDer­ Montana-R. H. Johnson, Scobey, Company of Philadelphia. mott, Asbury Park, Secretary, Missouri-C. B. Vardeman, Kansas City, Vice President, Missouri Vice President, Montana Ab1- Monmouth Title and Mtg. Guar­ tract Co. Committee on Advertlalnc anty Co. Abst. and Title Ina. Co. Leo. S. Werner, Chairman, To­ New York--Odell R. Blair, Buffalo, Illinois-W. R. Hickox, Jr., Kan- Idaho--Henry Ashcroft, Payette, ledo, 0., Vice Pruldent, Title President, Title and Mortgage kakee, President, Kankakee Manager, Payette County Ab•· Guarantee and Tru1t Co. Guaranty Co. County Title and Trust Co. tract Co. 24 TITLE NEWS State Associations

Arkansas Title Association Mlchl~an Title AaaoclaUon North Dakota Title Association President, Will Moorman, Auiiuata. President, Ray Trucko, Baldwin. President, George B. Vermilya, Towner. Augusta Title Company. Lake County Abst. Co. McHenry County Abst. Co. Vice President, F. F. Harrelson, Forrest City. Vice-Pres., W. J. Abbott, Lapeer. Vice Pres., Wm. Barclay, Finley. St. Francis County Abstract Co. Lapeer County Abst. Office. M. B. Cassell & Co. SeCT'etary-Treasurer, Bruce B. Caulder, Lonoke. Treasurer, Herbert W. Goff, Adrian. Secy-Treas., A. J. Arnot, Bismarck. Lonoke Real Estate & Abstract Company. Lenawee County Abst. Co. Burleiiih Co. Abst. Co. Secretary, J. E. Sheridan, Detroit. Oh•o Title Association Union Title & Grty. Co. California Land Title Association. President, B. W. Sebring, Canton Eggert Abstract Co., Canton, Ohio. President, Stuart O'Melveny. Loo Anirelea. Minnesota Title Association Vice-Pres., R. M. Lucas. Title Insurance & Truot Company. Guarantee Title & Trust Co., Columbus, O. President, C. E. Tuttle, Hastin1r1. lat V. Pres., E. M. Mccardle, Fresno. Secy. Treas., George N. Coffey, Wooster. Security Title Ina. It Guarantee Co. Vice-Pres., Albert F. Anderson, Detroit Lakes. Wayne County Abstract Co. 2nd V. Pres., E. L. Dearborn, Fairfteld. Secretary·Treaaurer, E. D. Boyce, Mankato. Solano County Title Company. Blue Earth County Ab1tract Co. 8rd V. Pres., L. P. Edwardo, San Jose. Oklahoma Title Association San Jose Abstract & Title Insurance Co. President, Hugh Ricketts, Muskogee, Secy.-Treaa., Frank P. Doherty, Loo An1rele1. Missouri Title Association Guaranty Trust Co. Merchants Natl. Bank Building. President, C. S. Hotaling". Linneus. Vice-Pres., E. 0. Sloan, Duncan Abstract Co.,• Linn County Abstract Co. Duncan. Vice-Pres .. C. D. Eidson, Harrisonville. Vice-Pres., Leo A. Moore, (N. E. Dist.) Colorado Title Association Height-Eidson Title Co. Claremore. President, Carl Wagner, Fort Morgan. Secy.-Treas .. T. S. Simrall, Boonville. Vice-Pres., R. E. Rutherford, (S. E. Dist.) The Moriian County Abstract & Investment Cooper County Abstract Co. Tlshomln1ro. Company. Vice-Pres., Addle Loftin, (S. W. Dist.) Vice President, H. C. Nelson, Cheyenne Wells. Purcell The Cheyenne County Abstract Company. Montana Title Association Vice-Pres., Mra. C. I. Jones, (N. W. Diat.) Sayre. Secy-Treas., Edgar Jenkins, Littleton. President, W. B. Clarke, Miles City. The Arapahoe County Abstract & Title Co. Custer Abstract Co. Secy.-Treaa .• J. W. Banker, Tahlequah. 1st. V. Pres., C. C. Johnson, Plentywood. The Cherokee Capitol Abstract Co. Teton County Abstract Co. Florida Title Association 2nd. V. Pres., James T. Robison, Choteau. Orecon Title Association Teton County Abst. Co. President, William Beardall, Orlando. Brd V. Pres., Al Bohlander, Billiniis. President, Roy T. Yates, The Dalles. Fidelity Title & Loan Company. Abstract Guaranty Co. The Dalles & Wasco County Abstract Co. Vice-Pres., E. D. Dodge, Miami. Sec'y-Treas., C. E. Hubbard, Great Falls, Hub­ lat Vice-Pres., Georiie H. Crowell, Albany. Dade County Abst. Title Ins. & Trust Co. bard Abstract Co. Linn County Abstract Co. Vice-Pres., 0. W. Gilbart, St. Petersburg. 2nd Vice Pres., B. F. Wylde, La Grande. West Coast Title Company. Abstract & Title Co. Secy.-Treas., Geo. S. Nash, Orlando. Sec.-Treas., F. E. Raymond, Portland. Nash Title Company. Nebraska Title Association Pacific Abstract Title Co. President. Leo J. Crosby, Omaha. 239 Keeline Building. Pennsylvania Title Association Vice Pres .. 1st Dist .. L. C. Edwards, Fall City. President, John E. Potter, Pittsburgh. Idaho Title Association Vice Pres., 2nd Dist., George T. Lindley, Pres. Potter Title & Trust Co. President, Joaeph W. Fuld, Hailey. Omaha. Vice-Pres•• John R. Umsted, Philadelphia. Con.-Equitable Title & Tr. Co. Vice-Pres., 0. W. Edmonds, Coeur d'Alene, Vice Pres. 8rd Dist., W. B. Sadilek, Schuyler. Secretary, Harry C. Bare, Ardmore. (Northern Division) Panhandle Abstract Co. Vice Pres.. 4th Dist., Joel Hanson, Osceola. Merion Title & Tr. Co. Vice-Pres., A. W. Clark, Driggs, Vice Pres. 5th Dist., F. L. Youngblood, Hast- Treasurer, John H. Clark, Chester. (S. E. Division) Teton Abstract Co. ings. Deleware Co. Tr. Co. Vice-Pres., M. L. Hart, Boise, (S. W. Divi­ Vice Pres., 6th Dist., J. G. Leonard, Broken sion) Security Abst. & Title Co. Bow. South Dakota Title Association Secy.-Treas., Tom Wokersien, Fairfield, Camas Secy.-Treas., Guy E. Johnson, Wahoo. Abstract Co. Hamilton & Johnson. President, Paul M. Rickert, SiHeton. Roberta County Abst. Co. Vice-Pres., M. J. Kerper, Sturiils. Secy.-Treas., J. 0. Purintun, DeSmet. Illinois Ahstractera Association New Jeraey Title Association President, W. A. McPhail, Rockford. President, Cornelius Doremua, Ridgewood. Tennessee Title Asaoclatlon. Bolland-Feriiuson & Co. Pres. Fid. Title 4 Mort. Grty. Co. President, W. S. Beck, Chattanooga. Vice- Pres.. Cress V. Groat, Lewiston, Groat ht V.-Prea., William S. Casselman, Camden. Title Guaranty & Trust Company. & Lilly. West Jersey Title Ins. Co. Vice-Pres .. John C. Adams, Memphis. Treasurer, Mrs. Nellie P . Danks. Clinton. 2nd V.-Pres .. ~·r .. rferick Coniier, Hackensack. R

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