A Matter of Business THE DISTRIBUTION OF ONE’S PROPERTY at the end of life’s journey is as important as Its accumulation. Men gifted in the art of accumulating wealth are sometimes sin- gularlv lacking in a proper appreciation of their duty in disposing cf it/ THE MAKING OF A WILL is an important matter. It should not be left undone. Every man should write his will and change it from Mme tn time as circumstances make change advisable. THE AMERICAN TRUST COMPANY makes a better executor or trustee than an individual for the reason that IT DOES NOT DIE find make nercssary the substitution of another. IT IS DISINTER ESTED and has no favorite". It handle all matters in a purely busi- ne.s-llke Way. IT IS NO KIN TO THE ESTATE. IT COSTS NO MORE to have the American Trust Company act in a trust capacity than it does to have an individual. The com- a'lon is fixed by law and allowed by the Court. Our strength insures SAFETY; Our EXPERIENCE, efficiency. T'nese are some of the reasons why many of the best men m North Carolina are writing their wills and making the Amorican Trust Ccmpan> executor and trustee. AmericanTrustCo. Charlotte, 1N« Gm Capital and Undivided Profits, $52b,000 p. C. WHITLOCK, Trust Officer. Geo. Stephens, President 3. N. Duke, W. S. Lee, Vice Presidents VV. II. Wood, Sec’y. & Treas. J. E. Davis, Ass’t. Sec’y. & Treas ic mi SCHOOL INSTITOTE Rev. Mr. Barber’s interest in Sun day school work has placed him on the Sunday school commission of the diocese of North Carolina. Rev. Mr. Starr has recently come to this state from the Northwest, where he was for a long while chairman of the Lake Coast Sunday school commission and lecttirer on Sunday school work in the diocese of Chicago. A postponement has been arranged for the Sunday School Institute origi- nall.' planned by the Episcopalians of ro city to begin today. The institute f ill (onvene for its first session on ^iunday. November the 5th. This pos-t- pnnrment was arranged because sever al speakers invited found it impossible ’n ,be present on the first date arrang ed. It also gives the ministers and congregations of the Episcopal church- of the city more time in which to rnmplcto arr'angements for this inter esting and instructive week of Sun day school study. .\n excellent program has been care- full.' worked out by a committee com posed of Messrs. F. M. Shannonhouse, h. K 1 avis and C. E. Frick, who are tho seprective superintendents of the Puivlay sr-hools of St. Peters, the Holy Comiorti'r and St. Martin’s churches e. this rity. The superintendents and 'rarhers of the Chapel of Hope, St. Andrew’s and St. Mary the Virgin, as T^ell as tliosp from the above-named rhurchen, will i)articipate. All meetings will be open to the pub lic and the Miperlntendents, teachers und scholars of the Sunday schools of the various denominations of the city Jire most cordially Invited. With the exception of Sunday, November ^h, ^11 meetings of the institute will be held In Hanna hall at the Y. M. C. A. On Sunday, November 5th, the sev eral Episcopal clergymen of Char- totte will address their respective con gregations on the “Neces^ty of Re ligious Instruction.” During the af ternoon Mrs. M. M. Smith, of New York city, will visit the various Sun day schools of the Episcopal churches here and make a study of the methods bow employed and to confer with the teachers in regard to new and improv ed methods Mrs. Smith la wife of the secretary of the New York Sunday echool commission and has been a stu dent of thia kind of work for a great hiany years. Sunday night a mass meeting will )>« held in St. Peter’s church in the interest of the institute and five-min ute introductory remarks will be made by Rev. Harris Malllnckrodt and Rev. #Tancle M. Osborne. The address of the evening will be delivered by Hon. F. Shannonhouse. iHie Institute will be continued :«irough Friday, the 10th, with a lec ture in the morning and afternoon by .Sim. M. M. Smith. These lectures will be followed by conferenceB on Sun- (iJay ■chool work. Among the sub- Lcts to be treated are Child Pedagogy, Bunday School Methods, the infant Class, Sunday School Curriculum, etc. To Parents. On Monday and Friday evenings ad- drestes intended especially for the parents of Sunday school pupils will be Slivered in Hanna hall. A more com plete program will appear later. ■im. w taikskcq’sftpel Among the speakers to be present tx« Rev. Frank J. Mallett, Ph.D., of ll&llsbury, who will speak on Boy’t Work. Dr. Maliett has written several books on this subject and i» a lecturer tt ireat reputation. Rev. M. A. Barber, of Christ church, lUleifh, and Rev. Homer W. Starr, of Chapel Hill, will also be present. Men’s Night InsL to Open Tomorrow night at 8 o’clock at the Voting Men’s Christian Association will occur the opening of the men’s night institute. A cordial invitation is exteiided to every young man who expects to en ter one or the other of these classes and in fact every young man interest ed whether he has enrolled or not. The object of the rally is to introduce the teachers to the ^prospective stu dents. All old students are also in vited to attend. The night school of the association this year will eclipse all previous re cords as has already been demonstrat ed for the enrollment of previous j^ears has already been reached almost by the boys’ classes alone. The force of teachers is larger than ever before and the range of subjects greater so that a much larger enroll ment is confidently expected. Any young man no matter what his educa tional qualifications, can find a place in the classes where he will find that he can be profited. The rally will be hid at Hanna Hall Y. M. C. A. build ing promptly at 8 o’clock. Cap'tsf |50(>,000.0 Suiplus and Profits $360,000.00 THE Commercial National Charlotte, North Carolina 4 per cent interest paid on Savings Ac counts. Interest Compound ed Quarterly. • 4 per cent. inte:est paid on Certificates of Deposits f left three months or longer. We Solicit Accounts of Merchants, Manufacturer', Capitalists, Corporations; Court Officers, Administrators, Executors, Guardians and Your Personal Account We have some elegant offices to rent in above New Bmldiog CALL Af^ SEE US A. G. BRENIZER, President R. A. DUNN, Vice-Pres A. T. SUMMEY, Cashier V/. E. HOLT, 2nd Vice-Pres. The Best Home Bargain of the Year We have four nice eight-room houses that we are going to sell at such low prices and on such easy terms that some' one who is now paying rent will own them before the month is gone. They are only fourf blocks beyond the Southern station and cement walks lead to the property. The houses are new, have water, , sewer and gas and are situated on nice lots iu ^ pleasant neighborhood. Now listen to tbo price: Only $2,500 to $3,000 Eacl 1 Just $100 to $300 in cash and the balance on easy terms. Did you ever hear of anything quite as good, cheap and easy to buy? Brown. (Si Compak.i\y 203 NORTH TRYON STREET PHONE 535 Real Estate Deals. The real estate transactions yester day were. C. O. Brown to J. L. Belk, two lots in Villa Heights. Consideration, $400, J. L. Belk to L. F. Kennedy, Villa Heights property. Consideration, $1100. , L. F. Kennedy to C. O. Brown, trustee for J. L.. Belt, Villa Heights property. Consideration, $359.83. Cotton Keceipts. The cotton receipts yesterday were 235 bales at 8 7-8 cents as against 552 bales on the same date last year at 14.68. Bridge Ovei Cataw ba is Building The first actual work toward the construction of the bridge of the In- terurban line across the Catawba riv er began yesterday and it will be push ed to rapid completion. Already near ly three miles of track have been laid beyond Hoskins and that part of the work also is being pushed rapidly. ' The grading has been completed most of the distance between here and Gastonia, only two cuts of any size remaining. It is promised that cars will be running between Charlotte and Gastonia by Christmas. Ground has also been broken for the erection of the Interurban freight sta tion at the corner of Mint and East Third streets. It will be very com modious and convei^ent and tted to take care of a tremendous amount of freight. By Tuesday the Interurban line will reach Paw Creek. Rev. Mr. Jones Declines all Calh Westminster Presbyterian church is at ease in Zion.** Its very much beloved pasted, Rev. F. Dudley Jones, who hajs but lately received two calls to churches, the one in Mis sissippi, the other in South Caro* Una, and the notice that a third call would be extended from another point In South Carolina if he would con sider it, has' declined all, and will remain in Charlotte. Mr. Jones is doing a fine work at WMtminster. HIb people would not hear to his leaving. For Rent RESIDENCES. 8 rooms, modern, 310 N. Church St 35.00 6 rooms. Apartment; 415 N. Col lege St 31.00 6-room apartment, 419 N. College St 30.00 4 rooms, corner West 8th St. and R. R 7.00 8 rooms, modern, 1012 West 4th St. 27.50 4 rooms 211 S. Graham St.... 13.50 4 rooms 213 S. Graham St 12.50 5 rooms, 501 East Oak St 10.00 7 rooms, modern, 1511 S. Boule vard 25.00 4 rooms S. Harrell St., Belmont 6.00 OFFICE ROOMS One Store or Office room, located one and one-half blocks from Square; floor space 25x70, with electric lights, steam heat, vault, and shelves Price at office. One office room in McKinncm Bldg lO.Of Brown & Co. A POSITION FOR YOU ! You v/il be paid $50.00 per month out of - capital of $300,000.00 if our grea. sysrtem of 48 colleges does not secure a good position for you the day you qualify in either college mentioned below. Write at once for large catalog. We supply help in 48 big Southern cities. D ^PRACTICAL RAUGHON’S (iNCOKPOXAIZD) VACUUM CLEANiNQ. Under the old order of things, house cleaning was woman’s greatest burden, but the Santo Vacuum cleaner has made it the lightest of her duties. We will da, your cleaning, or take your order for a machine. Call phone 1292. THE CAROLINA VACUUM CLEANING CO. SIS Realty Building. SMte Agepts. More BANKERS indorse DRATTGSON'S CoHefles than indorse all other business colleges COMBINED. Address: CHARLOTTE, N. C., or COLUMBIA, 8. C. A Bunaalow in Woodlawn * *• On a large beautifully shaded lot, built on plans to please you, and equipped with everything modern for $3,300^00 to $3,800.00 Tertns made to meet your convenience. ^ The McQiung Realty Co. No. 25 S. Tryon St. Phone 1254. Vacant Lot North Charlotte, fronting 140 feet on North Brevard St. and car line, 42 feet in rear, plenty room for two hoiises. ' PRICE ONLY $950. ’ A. G. CRAIG REAL ESTAE AND INSURANCE For Rent Southern Real Estate, Loan Trust Company. I South Tryon. -room house, modern, Ninth andD oo 7-room house, East Seventh street * 8-room house, 607 North Brevard.... ,. to- nn 7-room house, Elizabeth avenue qq 7-room house. 209 East Liberty.... -o- a •!_ . .«... $_0.uO 8-room house, corner Seventh and D qq 8-room house, 516 South Church .* $30,’,q 6-room house, No."9 Liddell .... ..... $15 00 4-room house, 1001 North Caldwell .... !... $ 700 3-room house. North Clarkson . $ .500 8-room house, Belmont \ $10 on 4-room house, No. 707 North Caldwell ..... .! $ 750 7-room house. No. 713 North Pine .. .... . $30 00 4-rooms and bath apartment... .... $17 17 OFFICES AND STORE ROOMS Store room. No. 208 North College ' $20 00 Store room and large basement $40 oo Fine tailoring room over 14 North Tryon $'^5 00 Front I office over Belk’s store.. $10 00 Rear office over Belk’s store ’ $ 8 on New store. Seversville $15 00 Ground floor offices, Arcade $16 66 Warehouse space, Southern Railway, Apartments in “Brick Row.” Real Estate Investment i^/e offer you four cottage houses well located, good neighbor hood. one-half block from car line, city water, and electric ligihts.^ Houses practically new and in good condition. Annual rent $516, and good renting property. Owner anxious to sell, and,if bought within the next few days can be had for $5,5UU. on'good terms. Carolina Realty Co. i 211 N. Tryon St. "Phone 609. COTTAGE HOME FOR SALE Five-room cottage North Cedar Street, near Southern Station with all modern conveniences. Lot 50x150. On shady side of street. Half a block of West Avenue in a good neighborhood. Price for next week $3,250.00. J. E. MURPHY & CO Phone 842. 229 8. Tryon St, The Mechanics Perpetual B. & L. Association Is still open and will continue the remainder of this month and October and November,-for all who desire to secure shares. So far the Asaociation has enrolled a good number of shares, but PROGRESS is the word and the directors want more and expect to reach 3,000 shares. J. H. WEARN, President. D. E; COCHRANE, Secretary and Treasurer. For Secle ELMORr FRUIT GARDENS, Suhnyside, 3-i'com cottage with basement, fine well of water, large nun\l;er of strawberry plants, raspberry, fruit t~ees, 1-2 acre of land; Pricis $2,000 4-Rocm house In Fourth Ward, Price.. $1,450 La^ge and small tracts of land on Macadam roads, from 4 to 9 miles cf city. W. T. WUkinson & Co. J. A. BROWN, Notary Public. Phone 1436. Trust Bulldli;ig. farm BARGAINS 150% adres well located near church and school, macadam road, two tenant houses and barns, 25 acres original forest. Ex- cellient cotton farm with plenty of pasture and corn land. Will pay 10 per cent on price asked if properly managed. $40 per acr«i Terms reasonable. aIsq Aiany other excellent farms. § Loaa & Realty Co. W. U Niehplaoft, Managerw C* B. McGinn, Saleamcn. 809 Realty BuHcflnw fPhone 81*. MUCH ACTIVITY —AT-^ PIEDMONT There’s a reason—several of them. At PIEDMONT you ne?d not writ for possible future developments inthe years to come. PIEDMONT already has macadamized main streets. PIEDMONT already has electric car line. PIEDMONT already has city water mains. PIEDMONT already has city sewerage system. PIEDMONT already has electric lights. PIEDMONT already has gas for cooking purposes. And also PIEDMONT has high, healthful location, , , PIEDMONT is within ten minutes’run of the city. For HOME or for INVESTMENT buy at FlEDMONT. About 1200 lots already sold. Your choice of remaining seventy on easiest of terms or with liberal discount for cash. Sold nine lots within last few days. f.C. & Go. Everything In Real Estate. 'High Grade Investments* Don’t Forget That We Write Fir6 Insurance in Strong Companies. Firsi New second flew out to right, on him. Davis. New Sect Athlet foot out a foul \ lln& fleT Athlet Score Fir New Collins by the to Barr Barry New Sec Atlilf Merkle. ' 8>nd w ‘ Murph: on a h: On a fc Scon Fi] New Baker quard vore s succes New S« AthI had two. Ban , Marqi ■ Fletcl i posed Ath] Sooi iJavig left s into Lord ray ai Nen

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