I
EjO) COURIER j
irQk ' Advertising Column " j
iL. J Bring Results. -. . !
Leads In'Both News and
Circulation, nj
I
Issued Weekly.
PRINCIPLES, NOT MEN.
AS1IEP.ORO, N. C, THURSDAY, JUNE .'.th, l'X).
$1.00 Per Tt&iy
VOL. XXX.
No
DeWITT'S
WITCH HAZEL
SALVE
THX ORIGINAL
A Well Known Cure for Piles.
Curat obstinate sores, chapped hands, eo
tema, tkin diseases. Makes burns and scalds
painless. We could not Improve the quality
If paid double the price. The best salve
that experience oan produce or that money
can buy.
Cures Piles Permanently
DeWilt's Is the original and only pure and
genuine Witch Haul Salve made. Look for
the name DeWITT on every box. All othen
are counterfeit. raerxjtsD r
X. C. DeWITT A CO.. CHICAGO.
Ask for the 1905 Kodol Alumnae
mid 200 veiir Calendar.
Standard Drug Company,
Asbeboro Drug Company.
Dr. S. A. HENLLY,
Physician - and - Surgeon,
ASHEBORO. N. C.
(Mire over yNM
rduiiiliirtl lnitf O
A i.llin-
DR. F. A. HENLEY,
ASHEBORO. N. C.
Offices First Rooms Over the
Bank of Randolph.
A C McALISTER & CO.
Asheboro, N. C.
Fire, Life and Acoidcnt Insur
" ance.
Tim bft couiivuiirrt rcpi-rsi-nli'il.
over llio Hunk of I!uiileili.
DR. D. K. LOCKHART.
DENTIST,
Asbeboro, N. O.
(Hll.v pr. .uiv.l in i r
Moved ?
Having bought out the
grocery business of Jos.
Norman I have moved
to the building formerly
occupied by Morris &
Scarboro
NEXT DOOR TO HOLLADY
POOL HARDWARE CO.
on Depot street, where I
. will be glad to see all my
old customers and new
1 ones, two.
W. W. JONES.
S Bryant, President J. 8. Cole, Cashier
X5he
BaLiik of RandlcmoLn.
' Randleman, i. C.
Capital $.2,000. Surplus, $2,00a
Accounts received mi favorable
terms. Interest paid on siivings de
posits. Directors: W K Hurtscll, A N
liolla, S O Newlin, W T Jiryiuit, C
L Lindsay, N N Newlin, S Bryant,
11 O Harker and J II Cole. -
O R COX. ProaMent. W J AKMKIKU1, V Hrea
W J ABMFIKM), Jr., Canhicr.
The Bank of Randolph,
.li"boro. XT. C.
Capital and Surplus,
Total Assets, over
$36,000.00
$150,000.00
Im! nafe Id saying we arv pn-pnri-il ami willing
to outdid tn uur uuntomep- ei-nry Ist'lllty and ao
Cmainuaauon couauielil Willi wile wuikiiik.
DIRECTORS
Hush Parkn. Mr., W 1 AmUtelit.W p wl, H H
u.T. I: (! Mi'Allrter. KM AnnlVM. (Hull.
W r ReeMlna. Henl Moflttt, Th J KeiMlnn, A W
c Capel, A M Kankin, Thus H Redding, UrFI
Anbury, C J Cox.
My Work Pleases!
When you wiU an eay uluive
Aa good aa barber ever jntve,
Just call on me at my saloon,
" At morning, eve or noon,
I nit and dreas the hair villi Kr.in',
To suit the contour of the faro.
My room ia neat aud towels i li-nn,
'Hciaaors sharp and razor, keen.
And everything I think you'll tind.
To suit tlie face and pleaae tlieniiud, -'
And all my art anil "kill can do.
If you jutrt call I'll do for you. '
; TOM CARTER.
Next door to Posto9k-e.
NEWS ITEMS.
Many Items that Are Sure to
Interest You.
High Point is to lie congratulated
on tins tiliowiug of enterprise and
substantial growth.
J T lienbow, of Vinston-Saleui,
is pushing Lib candi lacy for collector
ef the western North Carolina dis
trict During the past year High Point
has erected 104 dwellings at a cost
of 1 76,000: ten stores at a cost of
$30,0u(l; luiitecii factories at a cost
of $83,01)0; thiee churches at a cost
of $22,000 aud two hotels at a cost
of $35,000, milking a total of $3U',
000 or over a third uf a million dol
lars. Tlioiims Lucas a very old man in
Montgomery county lias Imn ap
prehended by Deputy Shi-riff .1 K
MoKennie of Troy. Lucas is in
dicted for violating the Walls law.
The old man laid in the woods mn.it
of the time aud has not I nn to
Troy in ten vears or more; lie h
in the extreme north western part ut
the county.
Miss Maud" I.ee has icsigned her
clerkshin with J M Morris & Son
aud will return to her hmc a
Light for the summer. St ere lifi
does not agree with her heal ill aud
she is going hoin,e to recuperate.
Her many trictids regret seeing In r
leave, but hope she will be lack in
the fall. Thonmsville Dispatch.
Burglars blew' open tile safes of
Cook e Foil anil C O llcilcg of Mt
Pleasant in Cabarius counly on
Wcilne'sdav l ight of last wtek unit
obtained jlii'0. The lubbers escaped
and have, not been apprehended.
,1 V Hammond was eonvicteil in
Forsyth Superior court last wick
for murder in tirst degree for killing
his wife and was sentenced bv Judge
Cooke to be hanged July 20th.
Will Lambeth at Harvanl.
Mr W A Iainbeth, son of Mr aud
Mrs Frank Lambeth, of Thomasville,
N C, a graduate of 1 Larval (1 Univer
sity this year, has been selected by
the Faculty in deliver the oration
at commencement in behalf of the
graduate students. He has chosen
for his subject: "The Spirit of the
Present Ninth. I her.- is no veiling
man in the Ni'ilh who couh! pivseiiU-t,(
this subject anv stronger and
manner to entertain his hearers.
Will Lambeth is not only a line
s diolnr but an orator. High Point
Enterprise.
Tribute to the Crailcd School.
The graded school of this town is
its crowning glory, htiice its estab
lishment the educational spirit has
been so fostered aud strengthened
that thu citizens would rise up in
rebellion against a imiii or policy
that threatened its safety; and, in
the meantime, our p-ople have a
higher regard for all our moral' and
material interests and are less easily
led astray by deiuairogucs and time-
servers. The truth is that the
educational spirit means a better,
stronger and purer citizenship. So
that not only have the children ot
this community been L'lveu a chance,
but everybody in the towu has re
ceived a" personal beuelit f'om this
fountain of light and puwer.
Charity and Children.
Saved His Wile's Lite by Taking a Drink.
Lawyer Jerome tells a Montgom
ery county story that shows that
sowpaw IS; good for other tilings
than snakebite. "Ever hear of a
man saving his wife's life by taking
adrinkof whiskey?" he asks. "Well
that thing happened in Montgomery
county," he goes on to say. "A good
woman was sick and thought to be
dying, and no doubt leally was. The
family had been sent tor ami tin
neighbors had gathered in. She had
left her parting instructions and had
told all eoodbye except her husband.
Then the old gentleman, who had,'
under the stress of his impending
bereavement, taken a drop to steady
his nerves, knelt down to take his
farewell kiss. The result was tin
looked for. 'Look here, John,' said
the depaiting one, 'I smell your
breath. Ain t you a nice husband
to come and kiss your poor, dying
wife cooubye after taking a drink ot
liquor! I wouldn't a-thought it of
you, John (with rising animation;.
Ain't you a nice man!' Pretty, soon
the neighbors dispersed,' for it was
evident that there would be no In
neral there." Monroe Journal.
It is Not a cure for all ills .that
human flesh is heir to, but Pepsi-.
Cola ia purely a delicious, cooling
ana exuiuaraiing uuiu uui, in
the shape of a soda fountain bev
erage it goes and touches the
RIGHT spot, without a moment's
delay. I'eiisi-Oola relieves instantly
the fatigue and exhaustion caused
from a hard day -work. Aids di
gestion, improve! the appetite, im-1
parts strength and vitality on the '
impulse of the moment. As a nerve
and brain tonic it is unequalled, un-!
approached. Only 6c
tr.e
I Secretary 7iil Defends
I President The Free Mater-
ia! fiuliny Spreads Conster-
nation Among the Stand Pf.t-
ers.
S-eiul CI r ipiii.-ii.i- "i l!u Curler.
Washington, D. C, June 5. 'J lie
things uppermost in the minds of
ollicial Washington, the Msilin
statesmen, cossins. Ihu uuid I) uues
aud all sorts and kinds of politicians
are the recent Ohio State couveli -
tion, the terrible wrench llie Preei -
dent and Secretary Tall have given
the Itand pat licpuMicans on the
tariff question, railroad late rcgulii-
Holland the private car line people
and the uLteiunt to throw H into
them over the protest of the people
who raise the truits aud the berries
for market.
There will be plently to write
about from here nil the summer on
these very topics and as they are the
things the people are most interested
in I will devote most of my letteis
to them from now on.
The Ohio Slate convention is be
ing discussed because of the speech
made out there by Secretary Talt,
and because ho is looked upon as the
mouthpiece of the administration as
no other man in the cabinet is. ilis
speech out I here w as ill moat respects
an nrlhoilox tlileiise of the adminis
tration. In general, Republicans aie
great and good, Delnoeiats Weak u.id
ickeil; Kcl iibiicatis p-opose w ise and
-'MeMin.nlilie measure.-; Democrats
ppose wiih folly and liickery. lie
said further, in parliciilai, the rail
way rate l.hl IS iniHieiaie in ju ni
ion-: i.i.it il I he lieinilillcali: do not
redl'i-:-' gilevalli'lS by i'itll.Wlig ill
siippoit o is, the iiaiij-hly William
,1 Pm-hi may lead a tl uiidablc
ll.iK lllelll f ti r g t e r n in e u l
iiu i.eisliip. Iii ul Ii e r w o r d f,
il-.e gob'.Ie-ui.s I ;;it volt it
vou don't watch out. In liisoiiinion
ihe Monroe Doc trine, iiilcrprctcil by
Theodore Roosevelt, is as ll wa- in
the lioginniug, is now, and eiirs!ia!l
In i he great bulwaik ot the Re
public. The man who lays lii hand
upon it, save in the way of kindness,
isawietch whom t were gross llat-
v to name a coward. The big
stick is none too big and the i;enllc-
inan who carries ite.vercises "adeg ce
of forbearance that the conlide:.ee ef
strength and a righteous purpose
justities. He might, if lie cliose.
he luive as ten Juries, tcrnuieas he. I,
but really he isn't.
When 1 alt came to the tanlt on
products from the Philippines, lie
Iroppeu the stuooth hinguage ol
of congratulation and laiiilalion.
lenounccd the high laril't wall be
tween us aud the islands, and a-ked
that justice bf done I hem. On he
main tariff questiou, however, lie Mas
singularly non-eumniittal. In ui!.'r
make the government iiicuii
t the outlay, theie must, h
sei ted, be either additional internal
taxes or a revision of the tariff-
wall every effort to cause the mini
mum ot business insiiii nance.
Which of the alternatives he aud the
President favor, he did Jiot reveal.
I bis leticence falls in wiln what we
know here in Washington to be the
facts, that, after all said and diine,
the President is lukewarm oi thu
subject of tariff reform and regards
the rail nay rat- problem as lar more
pressing. From a la-publican stand
pat point of view, it would, of conse,
be belter to prohibit all importations
and raise the whole revenue by i li
teral taxes than to cause the slight
est disturbance among the divinely
nspired prophets of protection.
Thu chalices arc good that time
will be a big light over this matter
the next Congress and the Uaiid
pat Ucpublicans are going to make
their light to keep the larilt sched
ules as they are and make a raid on
the beer ami other people who al
ways furnish the intent! revenue
when it is needed. The beer people
,av as well look for it and prepare
to light for they surely will have it
on tlie'i hands.
The President, in li ving to reform
the world and everybody and every
thing in it, is getting somewhat
tangled in his datis. His recent
public pronouncements on railroad
rate regulation, and those of a part.
at lcasr, of his ollicial family have
been to the effect that he wanted
government rule regulation in order
to build up commerce of the coun
try. That harp string has bun
played on for all it is worth in aid of
the" Presidential aspiration of his
friend. Secretary Taft, whom he
evidently is endeavoring to make his
residuary legatee. American pro
ducers must be protected and en-
couraged was his theme, even it the
railroads of the country aud their
stockholders should be bankrupted
in the process of protection to these
producers, for whom he evinced fo
nittch paternal anxiety.
Yet w lieu the question of furnish
ine steel rails and supplies for the
Panama railroad oanie up, he and his
favorite. Secretary forgot the poor
American producer ot these suppli
aud he older? the Commission to
Disease takes no sumrr.cr
v nation, '
if you need flesh and
i'renth ue
Scott's Emulsion
summer as in winter.
fttn4 far free fampta.
SrOTT lOW N K, Chtmlrtt,
4041 rrl Strttt, New York,
foe and Si joo all drugguu. .
WASHINGTON . LET fEi?.
w ide
1 anil
,iy l':f.-!.e!.pet
Illii'S ii !l itevff
nn i u.-uhuses
.! abroad.
Die
iie loiyet the
:ci i ppressioii
,,v n-,,. ,:i,ii..:i.is
s-.in;..!hv we,-., the ,
.Thu-'C'J-iMi'rn'f
' )(. f, suit is gum
will have the bigges
s,i.u-.MI-ed hi
in.-i,. u of ruil
l,;.i . Mi llion:'
,r vou.
; tii !.' i hat he
: lilit on his
. bancs v. hen 1 1
next (.'ungress meets
ion next fall that ever
1 w-as since the revolt against drover
' C!ci l.'tid by tin- men in his own
1 pat 'lv. He will haw- aliened against
I him aW the stand pal Itepnblieans,
ho are against his radical railroad
rate ivgiilati.m h.'ine and iiiaiiy of
the Southern Congressmen who, last
session voted for the Kseh-Town-
senu inn 111 tnc House, i nere is
reason lor the change of mind
among the Southern men on the rail
road regulation game. It i- a late
thing and I will explain it .iilly in
my next lettel.
One of the seinitlions of Ihe recent
healings before the Senat Committee
on Jnlei --tale Commerce was the col
lapse of the al tempt lo place thepri
vale car lines in a hole then soap the
sides inn! pull tip the lad b r. The
private car 1 i ii -, so-called, really
the rclrigeiuMi- ear lines, l hat every
body who km w nothing of the fn
was calling a howling monopoly ano
1 ll.it was opjiiosiing ihe people with
all soils of exorbitant charges, turns
out to be something that the people
want i.mi arc perfectly w illing to pay
the charges for and thiil they tay
they car, not get along without. 1
admit lraiikly that I was prejudiced
I jini.-t llielu mvselt and thought
they were robbing I lie people ami I
also Mi'imt th ;i 1 gol, my infonna
ti'in about ! hem hum the In'ildlo
man, or i-imtn'ssioii m reliant, from
'Ill, It Si
emanali'
wln.d.-a
.-. the pe
ins all the hue ami cry
I alel not front the p' o".
with tli- private c.ir
'j'' oMt in t !ie eolili! : v
-e ihe ii-iiils and berri-s Hint
III to i.i lilt'l-Kct, ill sllol t.
lue. r, and my sympathies al
i' with the man" b.-bind the
pr.
hoe or plow. Simply becanse the
n i il ii I . man, the commS-simi man
doi:s no longer get any eomini.s-ioii
mil of the fruit and berry raiser he
is hoivlin;' iiiio"l lhomo.opli of ihe
p tngi rator car peoide '.eean.-e i n. v
Ihe raised bellies lo m irkei ,-n
Ihe raiser can sell them dire.-! o ll.e
onjlllllel' iilld is responsible o tie-aisi-r
if I hey do not arrive here in
proper condition, lint, I will a.lo.i
the fruit raiser to tell his own stun
about, the private car lines, bv oiiol-
fi Din some ef ill" ti diiiiuny In
the Senate Committee on lui.-r-1
Commerce. One of the lirst
witnes-M-s i'tiiotig th" riiiit gr-iiier.-
as Mr 1 1! Pancake, of West Vir
inht. lie lestilies that when they
oiiimeiu-ed business about lifteeu
lars M'-o the business as very
ncdl. but by judicious managcim nt
nd a good car line service in the ivay
f refrigeration, it had expanded
ii ul ii now thev had oyer a quarter of
i million trees bearing fruit, lie
"During the la-d six or eight
the bulk of the products from
these orchards has been shipped in
icfrigcrator cars, and so popular has
this method become that, I can not
low we can in any way dispense
with it: and if anything is done to
deprive us of this service in the
future I think that a ciisis must
uise that would inevitably result lo
lis.istcr, not only to the fruit intei
sls in our State, but throughout the
fruit distiicts of the country gener-
illv."
Another fruit grower and Clip
per witness was Mr 11 1. (ilcason, of
Hartford, Mich. He testilied that
he grew peaches for the market, he
i.sid the Artnnnr refrigerator cats
veludvely and never had a lossdtir
ng the season. He said that in the
veiir of I .! the rail ion 1 eonipaiiy
ut out word to the growers that a
ivould do the icTng of I he cars free
mil do their shipping in that way.
flunking it would be cheaper he had
tried that scheme and he had lost
dyer one-thiral of his shipments for
want ot ice and vanoiis oilier
reasons, lie said he had gone hack
to the Armour car, h id used it ccr
since and never hal sustained a lo-s.
He Said he came here at the leiiilesl
of Ihe growers in his section of (In
state of Michigan and could have
brought a petition signed by every
one of them in favor of the Armour
car that is unless they could get
equal service with eon. e other car.
He showed receipts of t Ao e n s of
the same quality of fruit shipped P
the fame parties ut about the same
fates. One Of these cars was Jivi
ami owned by the tail road cicipanj
aud the other was the Armour car.
The Armour car on the i..;;iket
netted him ijlhui.'T ai.d the five car
ij'.'ISO.Sl. lie su'd that was about
the average all the way through and
that they would not do without the
Armour ear unless they could get as
good service for the same money in
some other cur.
lie said that if Ihe Armour co
line pen de were put under the juris
diction of the Interstate Coiinm-iei-
l ouiiiiisMon anel that commission
should cut elown the 'ales of th
private ear system so that it would
cripple the service that it would ruin
the fruit belt of the State of .Mich
igan.
These are some of the things told
by the people right from the country
were these letters are read and they
undoubtedly are true. The people
Imve the right to know th? trntb.
CHARLES A. EDWARDS.
You save nione-y and get better
.. .... i, ... 'ci... (-.....:... ..!:..
out il:t tile tt I
buy v, here they
piomisil'g i !::.:
should le ini
BUILDING AND LOAN.
Opportiiriitiaa and Benefits De
rived from Building and Loan
Associations.
Uy I'. A. l
, ((.'"!'
Hesiih .-
can make
out cos!.
always Hi
bette'i ii.
ad vantaio
::.,.:.e,-. -! i I. .i!.,o. .
lulled from last week.)
lepairs, the win kiiiginan
improvements ofleii wit li
The owner of a properly
ids economical im-aiis to
111 this lies much of the
of the building a:. I loan
association, h requires a m m
own his proji,.riy before il will deal
with him al all, except as a .stock
holder and .-aver of money. The
building and loan association is per
fectly willing to advance the money
necessary for a man to buy or biiihl,
but it will not consider such a thing
as buying properly lor a member to
rei?;.
In the two examples shown it has
actually cost no money to buy houses.
In the great majority of cases the
rent will not pay all the interest and
ilues. Soinetiiiie's, w hi r the relit is
$10 a month, it will take $lo to
pay dues and interest. Mea'itime
o.ie is living in one's own house rent
tree. Sometimes, when rent is S'-io,
the interest and dues for a .7"MUii
loan would be $35 a month. The
vui i'dious are innumerable. To save
disappointment, etch individual
must Hgtll'e out for himself the c;lce
he has under consideration. Souie
e-ases are more favorable ami soul
less, but I have not piet with any
case in which it did not pay a work
iiigman to join a building and loan
association, quit, renting, build a
house and apply rent money i -ward
p eying for il.
'The building and loan association
.'eiierally requires thai a man imn
his lot. Then it will l"inl money tu
build a iious", taking a til's! mortgage
on the whole properly. Many a
uorkingiu i-i ivih-ets that for a m iu
iviihnii: a lot the plan is impraclie i
b!e. 'I'li-jl i on.'i'plioii is a mincake.
I'm i- .'Hi-almost always o-ipoitun-ities
in a to.ni for a worKinginau lo
buy a lot on long credii. with 'he
priv iog" of building a house on it
with building and loan money, giving
a lint mortgage to the building and
loan iisioriation and a second to the
landowner. At Ii i-t blush this
would seem indiscreet on the part of
llie landow iier. Oil coHiideralion,
iiowever, almost any landowner ami
all the land-devi lopiiient e-oinpniiies
will do this. Every jiavmeiil made
to the building and loan as.;;)ci;tlioii
s a leiluelioii of the lii'st-moi'tg.ige
l.iitu. Therefore, soon after the
tar! tile second niorlgage is pel feet-
IV safe. At the end of about sjx
one-half years (.-slio share.) the
hr-t niorlgage is paid ill, and ll.e
liior:g.,ge In-L-i'iU'-s liie lir.st.
s ;i woi'king"i in may, on the
basis ot h s sohrii ; , h in-.-stv and
bisu-y; buy u lot oa , . h:, build
lio!i'e oil credit, and pay for the
uou-e in about six and one-Halt years
through ihe building and loan usso-
latioa, keeiuag up the Mile-rest mi
tile lot debt, i'ileii lie can transfer
the I t ili lit to the association and
it e-lf in aln'iii six and oiie'-half
- more. This takes 1.1 lo 13!
year- -along limes. 1 hat s true,
bn: ri fleet that the start was with
uo:i.ing and the end wi.s the owner
ship ot a house that otherwise never
won .-I have been ow lied.
In operations of American build
and loan associations the majnr-
ile ,. all loans are made to build
hollies for members. Loans a re
liever made except to members.
(This nil" is somewhat nioililie l in
tin- ease- of associat ions in th S; He
f Ohio, but these lire more or le.-s
like the co operallve banks ot Mass-
ichiisetts.) Mciubi-rs who have sat-
, turv security, Iiowever. borrow
imiii, v lot any purpose-.
I'o mortgage a home alieady paid
for is gem-rally very dangerous. It
hnppiii, however, here condi
s are f ivorable, that a man may
niorlg igi' a home to get caiutal to
r a rcaiitili: business w Inch
ni-e-s to pay for its-'f and m ike
in. -ti. y in aodllion. ' r a mail iiiiea iy
in business may extend his busine-ss
v1 over a hard time by means of
the bin. ding ami loan association.
nieivhaiit can have no better .-.lie-:uard
against a panic or any tight
time than a fair amount of building
and loan association steick. 'en
hares are always good for .flimn,
even when Ihe banks have no money
o lend. Merchants who own sour.
eal estate often subscribe for and
any 10 to 5n shares 17IHIH1 to $5-
01111 per value), in order that if in
llii'ir business tiny sliould at any
time be pushed for cash, it may al
ways he-available from the building
and loan association bv application
in legular order. It is a great ad
vantage in business to be so situated
is to know where a sum of ready I
cash may be had at any time when
iiciled. "Of ciiiis.', this involves:
nioitgaging some real estate, I ut ,
,,l,.. ,1, , I..!,,,- en-iiel I lie
delt miv be abeadv half pud whea j
the leian is made. In any even!, the
rciaynient of the debt goes on" at
short intervals, and in that ispevt
is a light burden. It is easily paid;
as compared with hii ordinary 11101I
gage, w hich cannot here-diu-ed untill j
due, auefmust llieu be paid all at
once. In the latter case the natiiial j
tendency of human nature is to hope
to pay the debt when due, but not to
make preparation in time. In the
former case t he building and loan
association permits and requires that
a beginning be made ul einee; that
regular and very light we-ekly pay
ments be made-, and that these be
regularly continued until the nioit
gage is paid in full and cancelled.
To the average man it looks beforev
haud as though it would be a hard-
si lj. lo l -ive to keep tip these pny
nieiiis. After starting, however, one
, al wee.-, l.i.-.'oiiie.-i more Jihafed Willi
I tile plan and iealy interested to leain
how-easy it is to lUTiiiiiulato 11101. i-v
by regular' savings or pay oUa rather
ugly debt in instalments that are
comp natively insignificant.
W e often hear that such or such
1 sueiessful man was backed by
some friend who helped him over
rugg -d )ilaci-. I know anuiiiber of
successful lie n who co'dd not have
succeieled vv i 1 limit the good and sure
backing Ih. y have had.' The back
ing has been by no man, but only by
the building and loan association.
It stands like a rock behind every
man who will use it right. It can
in vet b" made the victim of prejudice-,
and can hover In; brought by
liis or conspiracy to desert one of its
members in need, l-'ullill its con
ditions, and its help is ready at all
times and under all i-ircunistaiu-es.
Aside from the question of build
ing a house or serving as security
for a business, buililing and loan
shares are a gooel investment, and
the plan is the very best for savings.
Every young man could with ad
vantage can v a few shares. It will
astonish any young man to tind how
his savings will increase with regular
forced payments.
Many a mechanic or clerk or other
person working for wages w ill trouble
iiiniselt evil h figuring the profit on
money saved in a building and loan
association lo show- that it is more or
less than I he current rale of interest,
i'or capitalists l iking stock foi in
vestment there i: 'glit be a shade of
dilTel'eUee one way or another, that
s niie might think worth consul-i'Mi.'.
lint I'M ii for ii c pitalist the supe rior
-afely of this investment is worth a
si, u'.e of difference in inteivjt rale.
For the- average workingiiuin such
a calciilatiou is foolishness. In the
great majority ef cases the savings
are all prulil. to the workiiignian.
Mo,s; of t Iit-iii spend all they make,
wliethe;- it is much o- little.
As a mailer of fact, tile prolit or
iutei-es' averages about t per cent.
This varie-s wiih tile actual rate of
interest charged horreiwers, whi'.h is
Usually 1: pel 11 nt. It also varies
w ith t In- expense of conducting an
association and with the amount of
lines imposed and collected.
I In subscribing for shares without
I loans no -ei ions obligation is assum
je;l. Tlu-re is generally, and sliould
be always, provision lor withdrawal
of ca-'i paid in. wiih some little in-
tl'l'es . al ii r I he series has bel li in
operation for more than two years.
1 The amounts paid for evpeiises for
the lirst two years or more are usual
ly al leas; as much as the accilinulat
ed jnlep-l for t iio.se t w 0 years on the
small sums paid in. 1 With this
provision, if the a jc-e irrc- of
family sin. aid elie, the iic-mliei-ship
in t lie building and loan association
is a hehi !it, aud no disadvantage.
A nv aceiiliiulaled nioney is an ad
vantage to the widow aud children,
regardless of interest.
Sqiueiiuies tlu-re is hesitancy be
cause of a possibility of moving.
The uiembei-hip is no hindrance- In
moving. The money paid 111 can b;
withdrawn, or, better still, it liiav
be let alone and the payments to ihe
building and loan associilion ;tt the
nl 1 place limy tc kept up flomthe
ii"w I ie. liven a great distance
iu America makes little liit'teieiice.
The litei, wiiile a machinist, loll
llelhlelieiii, Pa. and went to Missoini
a.s,aiusler ma-hinist of a manu
facturing company. The mails
carried the building and loan pay
ments back, anil not one ever failed.
The possibility of moving is no rea
son for hesitation. On the contrary,
whenever theie is a good and safe
local bni'diug and loan association
one sliould always join, because, 111
e ase of moving, there might not be
one in the bew place.
A wi-il-i-jmluc'ted savings institu
tion is like- a church, a se-hool and a
library. Eveiybody ought to belong
to one. Join the others lirst, and in
the ord.-r named, but don't quit till
the building and loan association is
reached. W hoever does his best in
these four instil utions will stand far
above th.- avi rage of Immunity.
In addition to the prolit shown iu
liguivs or elollais and cents, the
honie-huildrr makes oilier gains,
which show themselves iu better
citizenship and better life:
1. lie puis himse lf in position lo
utilize his spare time feir his own
advantage. Improvements he e-aii
make o-i the house lire all his.
1. Flowers, trees mil vines plant
ed are all his own. and he can take
more interest in then- adornments
if thev
lord's!
it is so.
his rather than his land-
Tins ought not to be so, but
fiC
Why is it that Ayt-r's Hair
Vigor dt'ts so iiMny remark
able thin,'.-? I e cause it is a
hpr friul. I; f'. - lis the Inir,
puts new HI j it.t" it. The hair
air Vigor
cannot keep from growine.
And cradually all the dark,
rich color of early life comes
back to cray hair.
"Wl.-n I flr't 'i.p-1 Ayt-r'. lUIr Vlc-r niy
tinlr iils.ul .11 r:,v. Hill lion II ii H iiil
r,,., I. . i.i'.l O.i. k . I n.iiM ,.l. "
- H 11. hi .AN KlOl-KKNllTIKN. T.Ht-miil'I'l.
I Kta ImM V. j.e.ATrnen..
Gray Hair
Sun Cured Tobacco
aroma xm taste is
uaranLecd by R. J.
Reynolds Tobacco
Coinodiiv only un
dcr this ta:
Learn the Genuine Sun Curst! Flavor
Cut out this advertisement and send, to
gether with 1$ stamp, to R. J. Reynolds
Tobacco Co.jWinstca-Salein, N.C., and they
will mail free a 5ft sample of this tobacco.
Write your name and ailJro&a plainly it
3. It raises him in the e
his neighbors to become th
teem of
owner
of his house-. This brings him bet
ti-r iippot (unities.
4. It
raises hii
settles him in a house and
:i above ihe transient work-
man, both iu hi
in fact. Ilis
stimulated, he i
man.
5. Having a
interested an tin
the local schcoi.
u estimation and
self-estcem being
it once ii better
oiii". he becomes
ical church ami
He learns loyalty
to iiis town and patriotism
country.
Taking safety into consideration,
the interest or prolit is usually more
than a workingtiun can get on reg
ular savings from any other source'.
In addition to this prolit, the work-
inginan gets the opportunity toshift
his rent money to the payment of
house for himself, and in some fo'.v
e.ises the ivi.t money actually pays
the w hole dues and interest or tin
whole c"si of the house. In such
a case I in- prolit is 100 percent, aside
from 1 he fact that in many case's
the workinginan's savings are ail
prolit, because t lie money won Id have
been .-penthad hot the lieriodic.il
pressure of t ie building ami loan
asset "ution laits.-d him to
The proht might be roup
muri.ed as follows.
Interest
Rent. saviM
Vain- e-f habif of regular ;
Improvements made on
aving
house
with home labor
liett--r life and siirrouiidin
'-ini
and
Total plolil, liua ielal, moral
and nilellectual
Tlie-c figures as to liioial
intellectual results are simply given
to put ti e id'-a into me is u ruble I'm m.
Such advautag.-s are iu reality im
measurable in figures. The value of
a beginning to save is often in itself
the equivalent of a fortune'. One
frequently hears a successl ul man
attribute his succe-ss to some incident
that iii'l'iccd him to begin saving.
'Tin- workiiigman who owns his
home has made the conditions that
are i" eessary to fie'e him from the
haras-nieuts of .diike-s and squabbles
for increased wages, liy home study
and self-impi-oveiniTit he can learn
lo do beil"!' work at higher pay. A
weavi r of pl-iiu goods can, by learn
ing to do Jacqiiard work, double his
pay quicker than he can g -I. In per
cent advance by a strike, llow
much better to make substantial
headway by pe-aciful means rather
than yake scant headway by violence
ami ! roiilili'soiiie means! 'The family
owning a house lias better opportun
ity 1 U' home study.
Resides the material, moral and
intellectual advantage's eif home
building alre.iely recited, there is an
aesthetic ami artistic advantage.
The woi kiugiiian whoownshis heiuie
may take pleasure in planting liowers,
in making a pretty pled of grass, in
planting lives ami shrubs and in
otherwise improving the beauty of
the home. Many a child is born to
vveii kingparciits w ho has taste ami
talent for art. music painting,
tapestry weaving, etc. Ill the con
elitions that often surround working
people in rented houses and hovels
any supciior talent or taste of a child
.or youth is dried up and lost to the
world.
Oneeif the most astonishing thin
in inv experience with building ami
loan associations ami with working
people is 1 he' contrasted conditions'
at Charlotte, N C. Part of the
woi king people live in their own
lions, s and slaiid the equals, if not
tlie supiiiors, of working people- iu
any other section. These are the
machinists, carpenters, bricklayeis
and workers at several "titer trades.
They -eiiil their children to school,
attend chinch, anel have all thu at
tributes of good citizenship. Another
class, the cottou-iiiitl operatives, iu
many cases live in company houses,
move frequently, save little money,
and give scant attention to schools.
Many of them are as good citizens as
woi king people who are
other
occupations, but in the main the
iplTcrcncc betwevu their condition
ii
j and that of the former class of work
people is enough to be notable. It
is equally botiible that the machin
ists;, carpenters and bricklayers are
extensive patrons of the building
and loan association, while the cot-
I ton-mill operatives arc not. Some-
times it is cluimed that the wages of
j tile cotton-null operatives are too
j low to admit ef saying, hut this is
, an error, iis the income of the average
; cotton-mill family is greater than
I that of the average machinist or
carpenter. In a cotton mill several
members of a family can work, while
the carpenter alone of his family is
a wage-earner.
A similar contrast exists in Penn
sylvania. The Philadelphia me
eiiaiiics ars usuallly members of
building and loan associations, and
live in lioines which they own
ihi'ough these institutions. On the
oilier hand, the coal miners live
usually in company houses, and are
inclined to strikes and squabbles.
No matter whether the member
ship in the building arid, loan
association is the cause of the better
living, or whither the disposition
to live better is the cause of the
membership, the advantages 'of thu
membership are apparent. It ap
pears also that a community of
working people who arc saving their
money aud building homes are rare
ly engaged iii any kind of contro
versy with their employers, and are
practically never engaged in, strikes.
The ownership of a home by parents
leads to in iter attendance at school
by the i hi'ilrcu and to steadier iu-
liustry by all. It is sooii' learned
that by ineivase of knowledge and
j skill tai better advance in wages can
l.e gained than bv strikes. It is
learne i that education aud training
are the cheapest things ill the world
to buy and the highest-priced things
in the world to se-11.
Working people have rarely raised
images nmre than 10 per cent by
means of strikes, liy improving
one's knowledge ai.d inci easing one
kill wages may be doubled, tripled
or even still further increased. The
lirst step for a workingman's family
towards education and skill is the
saving of money to buy a home. It
is in and from the permanent home
that the best education and the best
training can be acquired. Philadel
phia has been called a city of work
logman's homos. It is notable that
Philadelphia has a population of
high-priced and contented working
peeiplc. They build tho ships and
loe'oiiiotives, weave the lace curtains,
ami carpets of America, and do a
lot of other high-class work at high
wage's. They commenced early to
save their money, build homes and
educate their children.
Kodol Dyspepsia Cure ,
Digests all classes of fewd, tones ami
strengthens the stomach, and diges
tive organs. Cures Dyspepsia, In-'
digestion, Stomach Trembles, and
makes rich red blood, health and
strength, Kodol Dyspepsia Cure re
builds wornout tissues. Gov G V
Atkinson, of W Va, says: "I have
used a number of bottles of Ko'dbl
I (yspepsia Cnre and have found it W
be a very effective, and, indeed, a
powerful remedy for stomach' ail
ments. I recommend it to ' my
friends." Sold bv Standard Urifg
Co, and Asheboro Drug Co,
Mayor Hoyden, of Salisbury,
recently said, "The pride of my
ministration is tho success of -the
city's school." Says the Ewauig
Sun, Salisbury's new publio school
building cost $26,000. It is to,,
dedicated June 7th. It was paid
for in bonds like all other good first
class garded school buildings'in the
State. The Sun lays: . : V
What more worthy ambition eoukl
any publio officer bavei" , ..
Progress along this Line is fuuda
meutal, it will last longer than
e-ranite shafts, or bronze statutes.
' Its perpetual and its blessing sad
! benefits are to last through sacMsd-
g generations, .. ?....