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" Monthly Bulletin of the Ainerican Association of Title Men
Vol. 1 SEPTEMBER, 1922 No. 10
V ICE P RESIDENT BREWER IS The officials are interested-willing Wednesday was the big day for en ELECTED P RESIDE NT 1922-1 923. to sacrifice personal affairs and give tertainment, there being the boat-ride Mark B. Brewer, of the Security their best to promote the interests of to Put-in-Bay in the afternoon and the Abstract and Mortgage Co., Texar the title men and the title business. banquet that night. The banquet was kana, Ark., and Vice President of the The law of evolution has worked a great success and much credit should American Association of Title Men, in our profession as it has in every be given the Ohio Association of Title 1921-1922, was elected President of thing,- especially in the past few years. Men for this and othe1· entertainment. the Association for 1922-1923. The profession now finds itself con Thursday was the last day and the Other officials elected to serve with fronted with more problems than in afternoon session was presided over by him for the year were. George E. all the years past. The American As the newly elected President, Mark Il. Wedthoff, Northern Title and Trust sociation of Title Men is the clearing Brewer. Co., Bay City, Mich., and Treasurer of house through which they may be The meetings adjourned promptly the Association for several years fought and solved. Therefore, give each afternoon at 4 :30 and then there past; Treasurer, T. M. Scott, Scott your best interest and cooperation to was a scramble to the beach for a dip. Title Co., Paris, Texas. this organization and the officials who Cedar Point is an ideal place for Title Examiners Section: President, are endeavoring to make it serve you such a meeting and everyone had a Henry J. Fehrman (re-elected), and your business in the best way pos great time. It is one of the finest Peters Trust Co., Omaha, Neb.; Sec sible. summer resorts in the country and no retary, J. R. West, Security Title Co., place has any better beach. The pro Nashville, Tenn. THE 1922 CONVENTION. gram was arranged so that there was Title Insurance Section: President, The convention just held at Cedar ample opportunity for recreation and John E. Potter, Potter Title and Trust Point was the most profitable ever held play. Co., Pittsburgh, Pa.; Secretary, Roy in the history of the association. The At no other meeting has there been E. Calhoun, Atlanta Title and Trust attendance was not as large as it any more enthusiasm or better feeling Co., Atlanta, Ga. should have been, due to the railroad than at this one. The past three years Executive Committee (to serve years strike situation. This reached its have been memorable in the history of of 1922-23 and 1923-24), M. P. Bous most strained and tensest point just at the Association. Each one has brought log, Louisiana Abstract and Title the days when people would be leaving more progress and new developments Guarantee Co., New Orleans, La.; J. for the meeting. Many who had and many things have been accom W. Woodford, Title Guarantee and planned to attend did not feel like plished to prove the success of the As Trust Co., Tulsa, Okla.; Henry E . taking· the risk of traveling under the sociation as now organized, and the Monroe, California-Pacific Title In circumstances and could not be blamed wisdom of having a paid Secretary. surance Co., San Francisco, Calif. for feeling that way. However, there The organization is on a sound finan The Executive Committee for tho were more in attendance than were cial basis, and if the same support is ensuing year will, therefore, be com expected and the morale and spirit was given to the Sustaining Fund as has posed of the President, Vice President, of the highest degree. been, there is no doubt as to the future Treasurer, President of the Title In The registration shows that they of the Association and the benefit the surance Section, President of the Title came from all parts and corners of the title profession will receive. Examiners' Section, the three mem country, and there was a better dis If you are not as yet a contributor ber~ elected as shown above, and in tribution geographically than at any io the Sustaining Fund, become one addition to these eight just mentioned, other convention. It was also very now. Money could not be invested in ex-President Pryor, who automatically gratifying to note the number of title a better way. becomes a member ex-officio. W. h. examiners present, showing that Mr. The work done by President Pryor Jones and George Whitcomb remain Fehrman has done some real work in and Secretary Doherty in the past for one more year of their terms. building up the membership of. that year is little short of marvelous. They The distribution of officials, both section and, too, that the examiners put the finishing touches to the prop vocationally and geographically, is are becoming more interested in the osition and left knowing everything is most favorably balanced and will be association of organized title men. complete and in the best condition conducive to obtaining the best of re The Executive Committee met on possible. They gave their successors sults in matters undertaken. At no Monday, the 28th, and transacted such a perfect machine to steer and the con time has there seemed to be so great necessary business as had accumulated vention was little short of astounded a demand for an or.ganization to pro since the Chicago meeting in January. at the reports of pro,gress of the As mote the interests of the title men and The convention proper began Tues sociation under the guidance it has had their profession, and likewise there has day. The Rotary banquet was held during the last three years and espe never before been the well organized on the evening of this day and there cially the very fine results of the last body to accomplish the big program were a goodly number of Rotarians one. which presents itself. present. (Continued on page 8.) j 2 MONTHLY BULLETIN MONTHLY BULLETIN the early settler was asked by what bring suit in court involving land un right he occupied his tract of land and til the abstract is furnished. Back of of the said, as he patted his rifle or squared all this evidence, the abstracter has a American Association of Title Men off with his fist, "This is my right," responsibility and is held to the ac was there much use for further evi curateness of his work, and thus with Published monthly by Kahle Brothers Company a little thought, one can get a big and as the official organ Qf the American dence. Probably he was not needed Association of Title Men. in the days of the code of Hammurabi, fresh realization of what an abstracter Publication Office...... Mount Morria, Ill. EDITOR. made centuries before Christ, which is, the importance of his work and his RichardIB. Hall...... Hutchinson, Kan. was a masterpiece of legislation and usefulness to society. Hall Abstract Co. a credit to any well organized nation, It takes him years to get his equip Entered as second-class matter December 25, and which even provided for various 1921, at the post office at Mount Morris, Illinois, ment, both physical and mental, and under the Act of March 3, 1879. muniments of title and forms of writ unlike the other professions besides ten deeds drawn with all the clever the training and knowledge required OFFICERS. desire. Mark B. Brewer, President .... Texarkana, Ark. ness which jurists could he has a tremendous financial outlay Security Mortgage Co. The first real act of a nation, which George E. Wedthoff, Vice President, ...... in his plant. The nature of his work ...... Bay City, Mich. started a system making abstracters has an inclination to tie him down and Northern Title & Trust Co. necessary and thereby creating the T. M. Scott, Treas urer ...... Paris, Texas take him away from the whirl and Scott Title Co. profession, was the Domesday Survey buzz of development and the ever . Richard B. Hall, Executive Secretary, ...... of William the Conqueror in 1086 changing times. His product repre ...... Hutchinson, Kansas the first of a definite sys Title Examiners' Section... which was sents personality and is one of skill Henry J. Fehrman, President...... Omaha, Neb. tem of records of the land titles of and individual effort. By reason of Peters Trust Co. England and the master step of a J. R. West, Secretary ...... Nashville, Tenn. this, not only he himself but those who Security Title Co. government in preserving the evi use and must have his product are in Title Insurance Section. dence of ownership to land. clined to look upon him as one who John E. Potter, President ...... Pittsburgh, Pa. Our land title system being copied Potter Title & Trust Co. travels in a rut and whose profession Roy E. Calhoun, Secretary ...... Atlanta, Ga. from the English can also be said to has been slow in progressing. He may Atlanta Title & Trust Co. have had its beginning here and the be likened unto the violin maker, who idea given by this survey therefore to labors hard in an effort to create a Executive Committee. have descended to us. For years the Mark B Brewer, Ex-Officio. beautiful instrument, perfect in its George E: W>edthoff, Chairman. old-time conveyance, searcher of rec makeup, or the potter who sits at his Will H. Pryor, ...... •...... Duluth, Minn. ords, and giver of opinions on titles wheel puttering with his lump of clay Pryor Abstract Co. sort of an old fellow Henry J. Fehrman, President...... Omaha, Neb. was just a good until there arises a work of art to be Peters Trust Co. and one of the townsmen. However, admired and used. And like these John E. Potter ...... Pittsburgh, Pa. growth of communities, enlarging com Potter Title & Trust Co. artisans, his work is sometimes paid George E. Whitcomb ...... Northwood, Iowa plexities of titles and more technical for in sentiment and satisfaction in Geo. H. Whitcomb & Son. have made the W. K. Jones .. -- -·-· ·········-·············Cheyenne, Wyo. demands by examiners knowledge of the effort in producing Pioneer Title & Loan Co. business grow to one of enormous re M. P. Bouslog ...... ~
Fifteen years ago a group of men, with an understand during the past three years and we now enter upon a new ing of the necessity for and the benefits to be derived to era. themselves and the users of their product, formed The But we must not be content, for contentment now only American Association of Title Men. This body has grown means dis.aster. The mere fact that we are in a position and progressed until the vision of its founders is fast being for the first time to really function is only more reason realized, and it will continue on its forward stride in even why we should redouble our efforts, continue our support a greater degree. both morally and financially, and everyone put his shoulder The three branches of the title profession, abstracters, to the wheel for bigger and better things. title insurance and examiners, are represented. The getting The past is good to look upon, but is gone. The present together of these three, with their ideas, problems and un is here and being taken care of. It is the future which derstandings, has been the big factor in the success of the holds so many things to demand consideration and action. Association. It is by their united effort working through The business has many things confronting an organization which will accom.plish the many things it. I cannot expreu how strongly I wish every titleman could see the necessary to develop the title business and gain for it the light and were a member confidence and respect it should have. of his state and the National Association. This is a day of group and The Sixteenth Annual Convention just held was the most not individual action, and they could do so much in fighting adverse legis successful in the h istory of the organization. Likewise L111tion, initiating new measures to simplify the year just ended w a s the most memorable since its con and improve title laws and in the discussion and consideration of stand ception. Never before has there been so much accom ardization of work and methods. plished and so many real things put over. Starting the year with a discouraging deficit, President Pryor and Secretary The title business as a profession is in its infancy, and Doherty crossed the line, winners. All debts have been each year shows a bigger field and a greater demand for paid, there is a balance on hand with which to start the new efficiency. The agitation for Torrens legislation, sug year's work and a financial program has been outlined and gestions for title courts and many other things sho,w that put into successful operation, which, if supported as it the public is thinking, too. We must be prepared to not should be, assures the futu re of the organization. only fight for protection, but continue to retaliate by giving The Association is the barometer and pulse of the pro some.thing better. fession. As it prospers, so will the title men reap and There is much to be done among the state organizations, benefit. both in forming ones in states where there are none as yet, The record of the last year is most commendable. The and in supporting those already in existence. There is work of the sections as sections was enlarged. The Asso work to be done in reaching a higher ethical s.tandard. ciation as a whole functioned to a high degree. The com There is a wonderful opportunity in cooperation with mittees worked and every official was not only on his toes kindred organizations. In fact, there are so many oppor all the time, but the support and help of everyone wa. tunities, it almost staggers one. given. Never before has there been so many taking a real Continue your support, either as an officer, committee part and been so eager to become actively identified with man or member. Sustain the Sustaining Fund even the work of the Association. stronger. So it seems that the Association is nearing the goal of The future is indeed bright and we shall not fail. efficiency and usefullness which has been the vision of Yours, many for so long. The organization has been perfected MARK B. BREWER.
AMONG THOSE REGISTERED AT THE CONVENTION. Alabama. Bowen, Clarence E ...... Evans DeVore & Co .... --- ...... Crawfordsville Name Name of Company Address Bahr, Clara ...... Allen Abstract Co ..•• _...... Marion Lowder, C. C ...... Title Insurance Company______...... Mobile Allen, Otto G.- .. -...... Allen Abstract Co. ____ ...... Marion Faith, Edw. W .. ___.... '...... Attorney ...... Mobile Allen, Mrs. Otto G ...... Allen Abstract Co .. ___ ...... Marion Miller, W. F .... _...... Title Guar. Loan & Trust Co .. ______.Birmingham Mal.,., Mary L .. ______...... Wayne Co. Abstract Co .. ______...... Richmond Arkansas . Ireton, M. Elizabeth ...... Wayne Co. Abstract Co .. ____ ...... Richmond Abstract. Larwell, K. C., and Mrs .. _.Wayne Co. Abstract Co .. _____ ...... Richmond Brewe., Mark...... Seourity Mortgage Co ...... Texarkana Glazier, 1''. P., and Mrs ..... Wayne Co. Abstract Co.. ______...... Richmond Brewer, Mrs. Mark ...... Security Mortgage Co ...... Texarkana Iowa. California. Whitcomb, George E ...... Northwood Stoney, Donze!...... Title Ins. and Trust Co...... San Francisco Wunderlich, Irene 0 ...... Dubuque Monroe, Henry E ...... Calif.-Pacific Title & Trust Co ...... Saa ~ arncis co Trewin, C. B ...... Dubuque Doherty, Frank P ...... San Francisco Madden, H . C ...... Muscatine Colorado. Ross, 0. N ...... Siox Abatract Co...... Orange City Houston, J. G ...... Title Guaranty Company...... Denver Sbanefelt, E1Jith._ ...... Sigourney Adams, Guy A ...... Boulder Hillis, Cyrus B...... Dea Moines Title Co...... Des Moines Florida. Grant, Jas. R...... Des Moines Title Co ...... Boone Palmer, H . D ...... Tampa Abstract Title & Ins. Co...... Tampa Carroll, E . J., and Mrs ...... Davenport Georgia. Car roll, W. H., and Mrs ... Davenport Abstract Co ...... Clinton Davis, Wm. J...... Atlanta Title & Trust Co ...... Atlanta Kansas. Padgett, A. C ...... Atlanta Title & Trust Co ...... Atlanta Hail, Richard B ...... Hall Abstract Co ...... Hutchinson Calhoun, R. E ...... Atlanta Title & Trust Co ...... Atlanta Louisiana. Illinois. Goldman, Solomon S...... Pan American Life Ins. Co ...... New Orleans Westermeir, Casper...... Westermeir Abstract Co ...... Carlinvillc Bouslog, M. P ...... Louisiana Abstract & Title Co ...... New Orleans Gerke, H . C ...... Madison County Title Co...... Edwarc'sville Missouri. Gerke, H. C., Mrs ...... Madison County Title Co ...... Edwardsville Emmons, B. L ...... Emmons Abstract Co ...... St. Charles Filson, Edwin ...... Cbampaign County Abstract Co...... Champaign Trump, Jesse...... Kansas City Title & Trust Co ...... Kansas City Durkin, Jo._ B ...... Title and Trust Co ...... Peoria Minnesota. Payton, J . K ...... The Sangomon County Abstrt\ct Co.. ...Springfield Thompson, A. W ...... Preston Sawyer, C. B ...... Kankakee Co. Title & Trust Co ...... Kankakee Pryor, W. H ...... Pryor Abstract Co...... Duluth Hiltabrand, Benj. F ...... McLean County Abstract Co ...... Bloomington Montana. Indiana. Almy, Louise...... Southern MontanaAbstract& Title CoDillon C. E. Lambert...... Lambert Title Co ...... Rockville Peters, Mrs. M . C ...... Ryegate Jackson, Earl...... Indiana Title & Loan Co ...... Soutb Bend Michigan. Hazel, M. Thompson...... Allen Abstract Co ...... Marion Luther, Geo. E ...... Hodenpyl, Hardy and Co., Inc ...... Jackson Morgan, J. R...... Tbe Johnson Abstract Co ...... Kokomo Godfrey, Otto L ...... Muskegon Trust Co ...... Muskegon Coppone, W. S ...... Crawfordsville...... Crawfordsville Wedthoff, Geo. E ...... Nortbern Title & Trust Co ...... Bay City James, J. B ...... Floyd County Abstract Co ...... New Albany Wedtboff, Mrs. Geo. E . .... Northern Title & Trust Co ...... Bay City Held, John ...... Williamsport Van Aalderen, Herman...... Guaranty, Bond and Mor. Co ...... Grand Rapids Coval, W. N., and wife...... American Title Insurance Co ...... Indianapolis Stoeckert, Emma...... Monroe County Abstract Co...... Monroe (Continued on page 7.) M b N T H~L y B tJ L L E T i N abstracter "THE RELATION OF THE TITLE doctor are buried; the mistakes of the accuracy on the part of the TO THE ABSTRACT minister are divorced; the mistakes of and recorder. The service to the pub EXAMINER that ER AND TO THE TITLE IN the lawyer are hanged and put away lic would be great, and we find is demanding both service SURER." from public life, but the mistakes of the public the abstracter appear within the blue and accuracy of the abstracter and ex buff covers and follow him down aminer in safeguarding property rights. J. Fehrman, Title Attorney, and By Henry of time." The exercise of I:f the records are correctly shown on Peters Trust Co., Omaha, Neb., a nd the avenues eternal perennial vigilance is the price the abstract and are accurately inter resident Title E xaminers' Section, P of a good reputation in the abstract preted by the examiner, then prop American Association of Title Men. business. In the case of Bankers vs. erty rights will be protected. 3 Minn. 94, the Court says: Caldwell, objections need to be accom It .is a great pleasure to have the "The making of a perfect abstract of Some by a very brief statement of opportunity to consider in a practical title involves a great exercise of legal panied for making same, and if way the relation of the title examiner learning and careful research. The the reason done, the abstracter will rarely to the abstracter and to the title in preparing such an abstract this is person in meeting the objection. For surer; that is, the title company which must understand fully all the laws on hesitate guarantees the title for a stipulated descent the purpose of facilitating the work of the subject of conveyancing, exam consideration. By the term "Title Ex and trusts, de the' abstracter, an experienced and inheritance, uses to aminer" I mean an attorney who has branch of the iner will find it a wise practice vises and, in fact, every a way that made a thorough and comprehensive real estate in its word the objeation in such law that can affect same is sug study of real estate Jaw and convey from owner to the method of meeting various mutations it. For in ancing and other legal subjects relat by operation of law gested or indicated in owner, sometimes number twenty-one ed thereto, and who is engaged the by act of the parties." An stance, at entry and again a mortgage is shown in major portion of his time in the exam should furnish his client and in abstract abstracter John Jones, and at entry num ination of abstracts of title. Many the examining attorney what . they favor of ber thirty is shown a release by Wil abstracters and some laymen seem to want, if it can be supplied from the liam Smith, administrator of John have the impression that a title ex records or from outside sources, pro Jones, deceased; nothing further is aminer is .a withered and dried up vided it does not lower the standard shown. Some examiners in objecting specimen of mankind, with an insatia of his work. I admit that the objec to this will simply say, "No authority ble desire to raise technical objections tions of some examiners must seem is shown for this release," and let the to an abstract of title, and that many unreasonable to the abstracter, but the layman correspondent, or the ab of his requirements are without merit examiner knows that the loan based stracter, make some kind of showing. and have no basis either in law or on the abstract has been sold to a cer I would word this objection as fol reason. This, however, I believe is an tain insurance company whose counsel lows: "In connection with entry num erroneous impression and one which is will call for the identical showing re ber thirty a certificate should be pro fast disappearing. If you will asso quired by the objection, and, there cured from the clerk of the Court ciate yourself with the attorneys who fore, it must be cleared up before the having jurisdiction of the estate of are members of the Title Examiners' abstract goes to the company. You all Jones, deceased, showing that Section of the American Association that insurance companies are John know Smith was duly appointed, of Title Men and who are the exam very particular, and in some cases very William qualified and acting administrator of iners for the leading mortgage loan technical in the matter of titles. Of said decedent on the dates of the exe companies and insurance companies, course, there are reasons for this at cution of the release." You will ob which buy mortgages, you will find titude, which are not generally under that this tells exactly what is that they are broad-minded and liberal These titles are not only ex serve stood. to make the release effective. in their views and are not overly tech amined by the attorneys for the insur necessary In the examination of abstracts, I have nical in their examinations. The very ance companies, but are re-examined gone still further and have established closest relationship should exist be by the lawyers for the Insurance Com the custom of drawing all the affi tween the title examiner and the ab missioner of the state, as the mort davits, contracts and waivers called stracter. The utmost cordiality and gages have to be put up with the state for in my opinions and enclose same harmony should and does prevail be by the companies. Some of these with the abstract for execution. This tween them. The value of the opinion attorneys have reputations to sustain method insures having everything in rendered by the former depends pri and others have reputations to make, corporated in the instrument drawn, marily on the accuracy of the work of if they ever, in fact, develop into real and it is a great help to the banker or the latter. If the work of the ab tille examiners. This explains why the abstracter in perfecting the title. If stracter is done thoroughly and accu local examiner makes some trouble for the abstracte1' is efficient and fair and rately and conscientiously, showing the abstracter. It cannot be avoided. square in his work, the title examiner everything of record that in any way Most abstracters understand this now relies on his work and has confidence affects the title under search, then the and are very accommodating in render in him and recommends his work to work of the examiner is lessened and ing assistance in perfecting the titles others. He is a real asset to the com many trivial objections are eliminated in accordance with the requirements munity he serves, and he is, in fact, and the opinion consists of only a few of the examiner. material objections. The law of ne following a public service profession. cessity brought into existence the ab Again, the Examiner and the Ab The title examiner and the abstracter stract business, because it is based on stracter should work in unity of pur should be charitable to each other no statute and there is no compulsion pose for the enactment of a uniform and should make all due allowances requiring anyone to patronize an ab conveyancing act, wherein there will for the errors, typograhpical or other stracter. The evolution of the busi be at least but one uniform deed or wise, on the part of the one, or for ness and the system of recordation of other instrument with a uniform ac the seemingly useless or technical ob instruments has been rapid. The goal knowledgment in a state and finally in jections on the part of the other be to which every abstracter should aspire the nation. The deed or mortgage cause, as a rule, both are working to should be to reach and maintain the can be drawn so that it will give their utmost capacity and under a highest possible efficiency, also the both parties to it the benefit of all the strain. The greatest calamity that greatest degree of accuracy and com laws of the states and then all should can overtake an examiner is to re pleteness in the compilation of the be compelled to use it. With uni ceive an abstract from a person who abstract. formity of instruments, the recording apparently has no c1,nception of what contain. But on In pondering over this subject you system would be simplified and the an abstract should hand, I presume it is just can readily see "that almost anyone work of the recorder would be expe the other disconcerting for an abstracter to can afford to make a mistake better dited and the work of the abstracter as receive an opinion with objections to than an abstracter, because, as you and title examiner would be lightened. met from an attorney whose re- bave observed, the mistakes of the The system of uniformity would insure be MONTHLY BULLETIN 5 quirements are evanescent and ambig the company, makes a very thorough of no validity unless based on regular uous and incomprehensible, to say the investigation of the attorney's qualifi proceedings, and the recitals in a court least. Common practice and real sym cations, his experience, the number of deed are at best only prima facie i;a thy should fill the breast of both titles he has examined, and the loss or evidence of the facts therein recited. under such circumstances. losses sustained during a certain period The only course left for the examiner of time on which he examined. In the to follow is to call for the showing in It has been wisely said by the counsel United States at the beginning of this every instance where it is not shown. for one of the larger life insurance year, eighty-nine of the larger life in Fourth. Form the habit, if you have companies, in an address which he surance companies held securities in not already done so, of dating your made several years ago, that "The first the form of mortgages on farm and certificate showing search to a certain and most essential requisite in estab city property of nearly two and one hour and then in your next continua lishing that basis of mutual confidence half billion dollars. The property tion begin with the same date and the and respect, so desirable between the given as security for these mortgages same hour and there will never be a abstracter and the examiner, is that is covered by an abstract of title and gap left and no chance for an overly the abstract show on its face and bear this obstract is first examined by the technical examiner to call for a cer in each entry intrinsic evidence that examiner for the mortgage loan com tificate covering, for instance, Decem it has been carefully prepared by one pany and then by the counsel for the ber 1, 1910, when your last one was who knows what it ought to contain insurance company and later by the to December 1, 1910, and your next and where to find it and also knows attorney for the Insurance Commis certificate was from December 1, 1910. when he has found it. The examiner sioner of the state where the mort Such a requirement recently came un wants to know that everything of rec gages are required to be deposited un der my observation and although it ord affecting the title is before him; der the Insurance laws. This, in itself, was almost a silly requirement, yet he wants to be assured that every av makes a tremendous volume of busi it could have been avoided had the enue of information has been explored; ness for the abstracter and the title abstracter shown the hour in each cer that each of the numerous sidepockets, examiner. tificate. Fifth: If an instrument is which the ingenuity of the legislatures acknowledged outside of your state or of the different states has invented for A few practical suggestions to the contains statements of very essential the apparent purpose of complicating abstracter relative to compiling the facts, then be sure to show a complete the record and increasing the labor of abstract may not be out of order at copy of the acknowledgment on the abstracters, has been looked into, and this time. During the past eleven abstract, so the examiner can deter that every office, where liens may lurk years, in the examniation of more than mine whether it is the form in use in or court proceedings weave their webs twelve thousand five hundred abstracts, that state or the form in the state of entanglement, has been carefully based on lands located in fifteen dif where it was executed, because the investigated." ferent states of the Union, and on laws of many states provide that an Let us now consider the relation of which more than forty-eight million instrument can be executed either in the title examiner to the title insurer. dollars have been loaned, certain omis accordance with the laws of that state After an abstract has been prepared, sions in the abstract have been no or in accordance with the laws of the the owner or purchaser of the prop ticed by me, which necessitated the state where executed. Sixth: Attach erty covered by same for safety's sake making of many objections, which a comprehensive, complete certificate should have an experienced attorney would have been unnecessary if the to the abstract and one which will examine it and approve the title. No abstract had been complete. First: cover your search of the record fully, two individuals are alike, or of the If you have an estate, proceeding and all other matters which should be same ability, so we would scarcely ex where the decedent died intestate, covered, and you will find that your pect two attorneys to render exactly give a digest of the whole proceeding liability under the state bonding laws the same opinion on an abstract. One and attach a full copy of the final de will be no greater, but that your work of the chief reasons advanced for the cree of distribution and always show will be much more satisfactory to the establishment of Title Insurance Com affirmatively that all court costs and public, the loan companies and the ex panies and the issuance of Title Pol inheritance tax have been paid. If aminers. The abstracter of the state icies is this diver,gence of opinion on there was no inheritance tax, then the should ad.opt a uniform certificate to the part of lawyers and neither opin finding of the court to this 1 effect be used by all abstracters and then all ion may be wholly right, in which case should be shown on the abstract. use it. The foregoing suggestions if anything is overlooked, the client Second: If you have a decedent's estate have been made in a spirit of helpful is the one to suffer because the opin where a will was left, be sure and at ness and no criticism is meant or im ion is not guaranteed. There is some tach a complete copy of the will anrl plied in them. Whatever helps the ab merit to this reason, because all law the codicils, if any, because I know of stracter is of advantage to the exam yers are not financially responsible and no insurance company, whose attor iner. all of them are not good examiners. ney will pass a title unless this showing But, nevertheless, when we investigate is specifically made. This, I am sure, You may think of the abstracter, the the workings of the Title Insurance i 0 for the reason that in many cases title examiner and the title insurer as Companies, we find that the basis of different clauses of a will are contra a useful triumvirate in the realm of every Title Insuranoe policy ~s, in dictory and, as you know, the rule of titles, because the abstracter compiles fact, the opinion of the title attorney construction as laid down by the an abstract and passes it on to the specially selected, it is true, for his courts is that a will shall be taken and examiner for him to labor on, and known ability by the company to ex considered as a whole and the true then the insurer or title company amine the title and the title is guaran intent of the testator gathered from comes along and bases its title guar teed, and the policy issued on the the contents of the complete instru antee policy on the opinion of the ex strength of his favorable report on ment. This is essential to the right aminer who has relied on the work of the title. You can readily observe that construction of the will, which in many the abstracter. this relationship is the very closest cases is the most difficult task of an possible and is of the utmost im examiner. Third. If the land being portance. In my opinion, there is no abstracted has been involved in a fore person connected with the company closeure suit, a partition or quiet title If you can't be a pine on the top of who fills so responsible a position as proceeding or other legal or equitable the hill, does the examiner. These Title Com pro.ceeding, be sure to attach a com Be a scrub in the valley-but be panies, of course, employ expert title plete synopsis of the proceeding, show The best little scrub by the side of examiners and, therefore, the danger ing all essential jurisdictional facts the rill; of loss through their examinations is upon which the decree, of court deed, Be a bush if you can't be a tree; very remote. The company, before is based. Some a~stracters merely If you can't be a sun, be a star. issuing policies on an examiner's opin show a copy of decree or show the Be the best little booster wherever ion, if he is not directly connected with deed with its recitals, but a decree is you are. 6 M o:N T H L Y B U L L E T I N
dent, McHenry. The following new dress yesterday afternoon in which he STATE NEWS members were received: J. A. Stahl outlined the especial requirements of cup, of Hot Springs; S. K. Patton, of the state bank in abstracts. NEW YORK PROCEEDINGS OUT. Clinton; W. B. Wilson, of Conway; "Attorney Scott in hi:s talk this and J. H. Rayburn, of Cotton Plant." morning on the 'Essentials of a Good The printed report of the conven Abstract of Title,' outlined the class of tion of this Association is out and MISSOURI CONVENTION OCTOBER the paper received by the Federal Land some copies were distributed. It is 2 AND 3. Bank, and went into the subject from gotten up in attractive style and the T. S. Simrall, Booneville, Mo., Sec a legal standpoint and the require matter therein shows that this to have retary of the Missouri Association of ments of the government. been a very interesting and profitable Title Men, has sent out advance notice "In addition to the compliment paid meeting. that their convention will be held at the North Dakota Title men, Mr. Scott Kansas City on the dates mentioned cited some of the recent footings of ARKANSAS HAS BEST MEETING above. This is during Priests of Pal the Federal Land Bank. He showed IN HISTORY OF ASSOCIATION. las Week and should be well attended. that farm mortgages issued through W. S. Holt, Secretary of this active The exhibit of the American Asso the federal institution in North Da and efficient State organization, re ciation will be on display. kota now totaled $25,983,200; Minne ports that their meeting on August 10 sota $22,160,900; Wisconsin $8, 750, was the largest attended and best in OKLAHOMA THERE STRONG. 600; Michigan $7,794,900. That North interest yet held. The Little Rock As usual this state led all others of Dakota has so much of especial inter Gazette of August 11 prints the fol the long-distance-away states in num est to the abstracters and the rapid lowing report: ber attending the convention. They service given by the title workers of "License Proposed For Abstract Men; were there several strong and it was this state helped push through the Arkansas Land and Title Associa a fine bunch, too. The Oklahoma As loans when the money was needed. - tion Orders Bill Prepared. sociation issued a special pre-conven "He called attention to the fact that "At the annual convention of the Ar tion bulletin, which was a commend the U. S. Federal Bank is now loaning kansas Land and Title Association, held able vnture. money at five and one-half per cent on the amortization at the Hotel Marion yesterday, a legis plan of repayment within thirty-four and one-half years. lative committee of six was appointed MICHIGAN ELECTS NEW The visitors to prepare a bill which will require OFFICERS. last evening at the close of their session all men engaged in the land title and The annual meeting was held by were given an automo bile ride abstract guaranty business to the delegates who attended the Na to points of interest around operate the city." under state license. tional Convention at Cedar Point and "The measure was adopted by the the following new officers elected: H. NEW JERSEY FORMS TITLE Association after the matter had been L. McNeil, President, Paw Paw; P. A. ASSOCIATION. presented for discussion by the Presi Sheldon, Vice President, Hastings; Ot A State organization of all the title dent, G. S. McHenry, in his annual ad to Godfrey, Secretary, Muskegon; companies of New Jersey was per dress. Mr. McHenry declared such a Geo. E. Wedthoff, Treasurer, Bay City. fected at the Coleman House, Asbury law is needed to protect the interests of the business and emphasized the im- NORTH DAKOTA HAS FINE Park, on Saturday, when officials and representatives of the twenty-two portance of a closer cooperation on the MEETING. title companies of the state, functioning un part of title men. He recommended The following item appeared in the der the jurisdiction of the Department that the AsS-Ociation publish a monthly Mandan Daily Pioneer of July 12: of Banking and Insurance, were in at bulletin to keep members posted on the "General Counsel for U. S. Federal tendance. activities of abstracters over the state. Lancr Bank Piays Title Men Compli- The name of the new Association Such a bulletin is published by the ab- ments; Grand Forks Next Conven- is the New Jersey Title Association stracters of the State of Kansas and is tion City; Same Officers Reelected and the officers elected for one year are contributing to the success of the or- to Serve for Coming Year; Sixty as follows: President, A. C. Streit ganization, he said. Present. wolf, New Brunswick, president of the "The New Officers. "'The abstracts furnished by the Middlesex Title Guarantee and Trust "0. M. Young of Stuttgart "as North Dakota title men are the best, Company; First Vice President, Hon. elected President of the Association b the most exact, cleanest, most depend Cornelius Doremus, Ridgewood; Pres succeed Mr. McHenry and the follow- able from any group of abstracters in ident of the Fidelity Title and Mort ing other officers were elected : A. D. our territory,' Attorney John F. Scott, gage Guaranty Company; Second Vice Murphy of El Dorado, Vice Presitle1;t; general counsel for the U. S. Federal President, William S. Casselman, Cam W. S. Holt of Little Rock, Secretary Land Bank at St. Paul told the mem den, President of the West Jersey Title (re-elected), and D. E. Smith of Ar- bers of the North Dakota Title Men's and Guarantee Company; Treasurer, kadelphia, Treasurer. The following association at their annual convention Arthur Corbin, Passaic, President of were appointed to prepare the bill re- today. the Guarantee Mortgage and Title In quiring licensing of the men engaged "The session today was attended by surance Company. The Executive in the abstract and title business to e nearly sixty abstracters from various Committee consists of Howard R. presented at the coming session of the · parts of the state. Following a warm Cruse, Jersey City, title officer of the General Assembly: B. V. Wheeler, debate between Fargo and Grand Forks New Jersey Title Guarantee and Trust A. D. Murphy, George F. Buzbee, 0. adherents, the latter city was chosen Company; Richard C. Chamberlain, M. Young, E. H. McCulloch and H. I'. as the place of next year's meeting. Trenton, Secretary and Treasurer of Lyman, J. H. Rayburn, C. S. Gcor~e, All the officers were reelected for the the Real Estate Title Company of New H. P. Lyman, G. L. Bahner, George F. coming year. They are as follows: Jersey, and William C. Rogers, Asbury Buzbee and W. R. Smith were elected President, A. W. Dennis, Grand Forks; Park, Secretary and Treasurer of the members of the Executive Committee. Vice President, George H. Phelps, Bow- Asbury Park Trust Company. "E. H. McCulloch of th<~ Federal bells; Secretary, A. J. Arnot, Bis Membership in the Association was Land bank ·of St. Louis anJ President marck; Treasurer, R. L. Phelps, Steele. extended to incorporated abstract McHenry were speakers at the morning Close cooperation of the abstracters companies within the state. session and M. B. Brewer, Vice Presi- of the state was urged in the annual Mr. Streitwolf, as President, was dent of the American Association of address of the President, who urged elected a delegate to attend the na Title Men, of Oklahoma, was the r·rb- a campaign to enlist all in the Associa tional convention of title companies, cipal speaker at the second assembly tion. to be held at Cedar Point, Ohio, on of the c·onvention in the afternoon. A "0. H. Butler, Title Examiner of the August 29, but Mr. Streitwolf was un report of last year's National Conven- North Dakota State Bank farm loan able to accept owing to the serious tion was given by the Retiring Presi- department, gave an interesting ad- illness of H. D. Messenger, title officer MONTHLY BULLETIN 7 of the Middlesex Title Guarantee and pany but also, in cases where the stockholder FARM MORTGAGE BANKERS CON Trust Company. or security holders appears upon the books of the company as trustee or in any other VENTION. Formal application was made to fiduciary i·elation, the name of the person This will be held at the Congress affiliate with the American Association or corporation for whom such trustee is act ing, is given; also that the said two para Hotel, Chicago, October 3 and 4. The of Title Men. The application was graphs contain statements embracing affiant'a banquet will be held the night of the favorably acted full knowledge and belief as to the circum upon by the Execu stances and conditions under which stock third, Tuesday. Noonday luncheons tive Committee and it is with great holders and security holders who do not ap will be held each day, where fun and pleasure pear upon the books of the company as trus that we welcome the organ tees, hold stock and securities in a capacity hilarity will be unconfined. ized title other than that of a bona fide men of New Jersey into the owner; and this Announcement will be made of the American Association. affiant has no reason to believe that any other person, association, or corvoration has any winners in the code contest previously A list of the members will appear interest direct or indirect in the said stock, bonds, or other securities than as so stated announced in this bulletin. in the next Bulletin. by him. Members of the American Associa RICHARD B. HALL, Editor. tion of Title Men, who are also mem STATEMENT OF OWNERSHIP. Sworn to and subscribed before me this bers of the Farm Mortgage Bankers Statement of the ownership, management, 25th day of Septem ber, 1922. Association, are urged to attend Last circulation, etc., requil'ed by the Act of Con gress of August GUY W. MORTON, year the two Associations 24, 1912, of The Bulletin of Notary Public. met on suc The American Association of Title Men, pub (SEAL.) ceeding days and greetings and ideas lished month!}' at Mount Morris, Ill., for October, 1922. (My commission expires February 18, 1925.) were exchanged. State of Kansas } County of Reno ss. Before me, a Notary Public in and for the s tate and county aforesaid, personally ap peared Richard B. Hall, who, having been duly sworn according to ]aw, deposes and says that he is the editor of t he Bulletin of The American Association of Title Men, and Features zn the Bulletin that the following is, to the best of his knowl ed.ge and belief, a true statement of t h e owner s hip, management (and if a daily paper, the circulation). etc., of the aforesaid publication Each Month for the date shown in the above caption, re quired by the Act of August 24, 1912, em bodied in section 443, Postal Laws and Regu lations, printed on the reverse of this form, Arrangements have been made for a series of articles on to wit: 1. That the names and addresses of the interesting and pertinent topics. These will appear in the publisher, editor, managing editor, and busi ness managers are: Publisher, Kable Brothe1·s Bulletin, one each month. Men with a thorough knowl Company, Mount Morris, Ill.; Editor, Man aging Editor, Business Manager, Richard B. edge of the subjects and the ability to present them have Hall, Hutchinson, Kans. 2. That the owners are: (Give names con cnted to prepare these papers for your benefit. Read and addresses of individual owners, or, ii a corporation, give its name and the names ar. d study every one of them. and addresses of stockholders owning or hold ing 1 per cent or more of the total amount of stock.) American Association of Title The first appears this month.-"Relation of the Title Men, Mark B. Brewer, President, Texarkana, Ark.; Richard B. Hall, Secretary, Hutchinson, Examiner to the Abstracter and to the Title Insurer," by Kans. 3. That the known bondholders, m ortgagees, Mr. Fehrman. and other security holders ownilllg or holding 1 per cent or more of total amount of bonds, mortgages, or other securities are: (1£ there Next month's will deal with some phase of Title In are none, so state.) None. 4. That the two paragraphs next above, surance. giving the names of the owne1·s, stockholders, and security holders, if any, contain not only the list of stockholders and security holders as they appear upon the books of the com-
AT THE CONVENTION (Continued from page 3.) Sealock, Mabel F .... ,. ______Branch County Abs.tract Co ...... Colclwnter Thomns, J . W .... _.. _...... J1anl-crs Guar. Title & Trust Co ...... Akron McNeil , H . L ...... Van Buren County Abstract Co ...... Pawpaw Pealer, 0. L ... ____ ,, . The Warren Guarantee Mort. Co...... Warren Cowles, I. T ...... Union Title & Guaranty Co...... Detroit Peters, W. E., and Mrs...... A thens Goff, W. Herbert...... __ -·---·- ..... Adrian Lavin, S. M...... Toledo Ila hn, H . D ...... Union Title & Guaranty Co...... Detroit Jones, Paul D .. __ ,,... . . Guarantee Title & Trust Co.... - ...... Clevelancl Adair, Chas. R...... _...... The Guar. Title & Mortgage Co...... Flint Mitchell, Joseph W...... Portsmouth Breitenbach, Katherine...... Ontonagon tancler, C .... _...... - ...... Mansfield Steoner, W. C .• and w:ife ...... Monr04' Neere, Jos .... -...... Land Title Abstract & Ins. Co .. - ...... Cleveland New York. Martin, John N .. ____ ...... S. ringficld Abstract Co ...... Springfie Evans, S. IL...... ld New York State Title Association... _..... New York Hunter, John F ...... Toledo Loewcnberg, Leo A .. _...... Syracuse Alstract Corp. __ , __ ...... Syracuse Chapman, Mrs. J . L .. ___ I.and Title Abstract & Trust Co...... Cleveland Nicholas, S. Harry._,...... Ccntrul N. Y. Abstrnct & Title Co ...... Utica Cheney, Adelr M .... _...... Marysville Condit, Frederick P ..... _.. _... Title Guarantee & Trust Co ...... New York Barr, Frank._ ...... 11rn Ohio Fuel Supr ly Co ...... Mansfield B urdett, Chas. H.._ ...... New York Title & Mortgage o .... : .... New York City Barker, C . H...... Trumbull County Abstract Co ...... Warren Bentley, Delancey ...... Abstract Guaranty Co. ____ ...... Rochester Brown, R. F...... Cuyahoga Abst., Tille and Trust Co..... Cleveland Chittick, H . R ...... Lawyers Title & Trust Co ... ·---·· ...... New York Blair, John L ...... _ ...... Pomeroy · New M exico. Chapek, Wm...... Cuyahoga Abst. Title & Trust Co .. -.... Cleveland Bowman, G .... --...... Santn Fe Abstract, Realty and Ins. Agt. Santa Fe Wbite, Chas. C ...... _...... Land Title Abst. & Trust Co...... Clevcland Avery, J. M ...... The Hayward Agency... _...... Santa Fe Telban, John, Jr ...... ' Land ritle Abst. & Trust Co...... Cleveland Nebraska. Thmves, M. G .... _...... Thraves Abstract Co ...... Fremont Fehrman, H . J .. -...... Peters Trust Co .. ___ , __ ,, ...... Omaha Longbrake, A. C ...... The Real Estate Abatrnct Co .... - ...... Tolcdo Oregon. Barnes, 0. R .. - ...... Jefferson Stevenson, M. H ...... Wilkes Abstract & Title Co ...... Hillsboro .Smith, E. G...... The Abstract Title Guar. & Trust Co. .Akron Pennsylvania. Crittenden, W. E .... ____ .. Guarantee Tille & Trust Co.. __ ...... Cleveland Roberts, Geo. S ...... Chester County Trust Co ...... West Chester Flynn, Jas., Sr.... Guarantee Title & Trust Co ...... Cleveland McKee, S. H ...... The Title Guaranty Co...... Pittsburgh Cooke, Katherine...... The Lorain Co. Abstract Company..... Elyria Potter, J. E ...... - ...... Potter Title & Trust Co ...... Pittsburgh Albre"ht, Edna C...... The Lorain Co. Abstract Company...... Elyria Oklahoma. Robbins, Miss J . C...... The Lorain Co. Abetract Ricketts, Company...... Elyria H . C ...... Muskogee Mann, Mios Alier T. The Lorain Co. Abstract Johnson, Company ...... Elyria Roy S ...... Albright fitle & Inv. Co ...... Newkirk Tcnnet!acc. Wilson, E. A .... _.. _...... Pioneer Abstract Co...... McAlester Whitsett, .T M ...... f'crurity Tit.le Guarnnty Trust Co ...... Woodford, Jim.... Nnshvill .. ..Title Guar. & Tru•t Co...... Tulsa West,.J. R ..... Cunranty Title Trust Co Taylor, Talbert...... Nashville __ ...... Photo Abotract Co...... Miama Texas. McLain, Ray...... Central Title and Invest. Co...... Oklahoma City Scott, Tom M ..... Srott Title Co... .. Paris Brown, Gertrude L ...... Pioneer Abstrnct Co...... McA!c.;ter Vogel. Miss 111. A ..... __ ,, .... Fl Paso Title Co.- Stewnrt Title Co ...Fl Paso Ohio . Banker, H. F...... Port Arthur Abstrnrt Co...... Port Beraud, M. A,,_, __ ,,_ ...... Arthur Land Tille Abstract & Trust Co..... Cleveland Washington. Tucker, C. E ...... Holiday Tucker Co .... __ ...... Norwalk Tremper, E. P .. __ ... .. Washington Title Ina. Co ...... Seattle Coffey. G. N.______...... Wooeter Stewart, Zach ...... Stewart Ahatract Co...... _...... Spoknne F Joyd, J. L ...... Canton Wisconsin. tteams, Hazel ... -----·-······················--······ ...... - ... Marysville Hardy, Wm. H., Jr.,&Mrs.Hardy-Ryan Abstract Co ...... Waukesha 8 MONTHLY BULLETIN and Con (Continued from page 1.) NEW EXECUTIVE SECRETARY the Committee on By-Laws convention was a success-a CHOSEN. stitution. The in by the success-and credit should be The newly elected and organized The discussion indulged great has valuable given to the Ohio Abstracters Asso Executive Committee met in session "Open Forum" session and especially to the Cleve after election and outlined plans suggestions. ciation, soon espe Mrs. J. L. Chapman, R. F. and business for the coming year. None of the addresses can be landers, of them and Paul D. Jones, who put it There were two matters of business cially referred to, as each one Brown and all over. They had fine cooperation and for immediate disposal, that of elect was a feature. Read each help from their companies and cowork ing a new Executive Secretary and of them. ers. planning the budget for the next year. Kan Richard B. Hall, Hutchinson, MEE'I(ING PLACE FOR Proof as to Attendance. Editor of the OMAHA sas, who has acted as 1923 CONVENTION. since January, was chosen for The fact that only half of the ad Bulletin of Commerce the office, and all matters coming The Omaha Chamber vance hotel reservations for the con sends a most cordial and urgent in what within the jurisdiction of the Execu vention were called for, shows vitation to hold the next convention in of those who planned to tive Secretary of the Association percentage him. that city. This was unanimously ac thought the railroad situation should be presented to attend which has been cepted by the convention. too serious to venture away from The Budget System, the past few years Omaha is a wonderful convention home. It certainly was an adverse in operation within satisfactory results, was con city. It has fine hotels and every circumstance, but one which we all with such for con tinued and a full report about it will known facility and attraction hope will not attend. Fehr be found in the printed proceedings. vention crowds. It is Henry man's town, which is inducement enough in itself. of the DOHERTY RETIRES AS SECRE PRINTED PROCEEDINGS OUT In addition to the summons T ARY. SOON. Chamber of Commerce, Mr. Fehrman the invitation of the 1922 personally extended The Association suffers a real loss The printed proceedings of Nebraska, himself, to the the title men of in the retirement of Frank P. convention will soon be mailed and the Real Estate is being and his company Doherty as f:xecutive Secretary. At membership. The work of Omaha. and an effort Board Des Moines Mr. Dohery signified his rushed as fast as possible be a record-breaking them out by Octo There should intention of retiring at the end of being made to have this meeting. It is centrally several valuable crowd at the fiscal year just ended, and could ber 15. There are and very accessible. of which is well located not be persuaded to continue longer. articles in it, any one YOUR PLANS NOW TO times the membership MAKE Everyone in the Association, who worth many ATTEND. has come into contact with him, has fee. a feeling of regret in knowing that it READ EVERY WORD OF THIS in it was necessary for him to give up his BOOK. There is not a sentence Sev ADVERTISEMENTS work with the organization. which will not be worth reading. Three years ago the Association eral of the articles are invaluable to be studied. It FOR SALE-Old established abstract business was what might be termed reor,ganized title men and should over 20 000. many in prosperous inter-mountainlcity of and put on a sounder basis. During has been said that there are Books in good shape and there is only one ~thcr look into the printed abstract concern in the county. For qufok sale the first year of this new plan, the or who do not even Address "X," care who (being priced) at $20,000.00. ganization was started on its new plan report of the conventions. Those of the Editor. All of and at the beginning of the second year do not are certainly losers. Mr. Doherty began his work with it, the discussion, papers and transactions FOR SALE-On settlement of estate, "Gupton are reproduced so Abstracts.". Onir set of abstracts in Montgomery and made wonderful results in organ of the convention Address be bene County, Missouri. Unusual opportunity. ization and financing. Effective work that those not attending may H. C. Black, Independence, Kansas. was done in organizing the East and fitted nevertheless. attend can well af interesting the large title companies Those who did rentral Knnslll; old r" the FOR SALE-In south of all sectwns of the country. The ford, too, to read over and study tablished, Abstract, Real Estate, J,oan and insuran<'e things which occurred. business, established over 35 years. The leading Sustaining Fund was established and a Abstract business of the county, complete set of great response made thereto. He suc Your attention is particularly called books, up-to-date; only one other set of abstract Secretary Doherty, books in the county. Nice Real Estate, Loan and ceeded in establishing both a moral to the report of Address facts Insurance business. Price $10,000.00. and a financial backing for the Asso which tells some very interesting "A," care of the Editor. ciation and its activities. of the past two years of the Associa His untiring energy and force gave tion and also gives some timely advice TITLE EXAMINER of 10 years' responsible future. Presi experience in different states-past four years as a new spirit and ambition to the en and suggestions for the (Ac some Title Attorney in U. S. Dept. of Agriculture tire body and the results of the two dent Pryor, in his address, gives quisitions under Weeks Law)-desires connection evidence of very interesting reports on matters with large loan or guaranty company. Best refer past years are sufficient ences. Address "Title Attorney, cnre the Editor. the work accomplished. close to our hearts. Much of the effort the first year was The reports of all committees are and bring out things which FOR SAJ,E-Abstract, Real Estate, Loan and in organization. As a natural result, interesting Insurance business, established 30 years, complete there was a money deficit of about are the result of much study and abstract boo.ks; some single year's business has paid work. as much as i ~ asked for the busrness; 1n a. good city $2,000.00 at the end of the year. This and county rn N orthcastern Colorado; owner is of was overcome and in addition the The report of Chairman Woodford the age to retire and has other investments to take Committee was one up his entire time. F . J. Henderson, Sterling association treasury finds all indebted of the Judiciary Colorado. ' ness yiped out and a most encouraging of the outstanding features of the on hand with which to start convention and carries some real in balance 0. N. ANDERSON of Sheridan, Wyoming, has the year 1922-1923. formation. written the Monthly Bulletin that he would sell bis Surely Mr. Doherty leaves with the The reports of the Committee on Abstract plant. Sheridan, Wyoming, bas a popu Advertis lation of 10,000 and Sheridan County, 25,000. satisfaction of a job well done and Nominations and Elections, Farming, cattle and sheep and coal mines are the with no handicap for the Association ing and Farm Loan Banks show some prinripal industries. Only one county in the state developments. has a higher u.se2sed valuation. Anyone interested to overcome. very interesting can write to him for full information. He may know that the Association Do not fail to study the report of as a whole and the members individ Allen C. Stelle, Secretary, Title Insur Do FOR SAJ,E-A well equi1med up-to-date abstract ually have warm feelings of admira ance Section, as presented by Mr. plant, with well established business, at Carlsbad tion and appreciation for him and herty. Eddy County, New Mexico. This is a good town in and healthful climate. Price of plant, $4,000. his work and regret that he could not Everyone will be interested Don't inquire unless you mean business. C. 0. continue to serve. knowing of the changes as made by Swickard, Carlsbad, N. M.