Newspapers / The Alamance Gleaner (Graham, … / July 10, 1913, edition 1 / Page 4
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I Couldn't Walk! ■ 1 used to be troubled with a weakness peculiar to I women," writes Mrs. Anna Jones, of Kenny, 111 "For I nearly a year, I could not walk, without holding my sides. I 1 Med several different doctors, but 1 grew worse. Finally, I our druggist advised Cardui lor my complaint I was so I thin, my weight was 111 Now, I weigh and lam I never sick. I ride horseback ae good as evec I am la ■ flne health at 32 years.* I CARDUI WomansTonic We have thousands of such letters, and more ere I arriving daily. Such earnest testimony from those who. ■ have tried It, surely proves the gnat value of this vegeto* ■ bis, tonic medietas, tor women. ■ CaWiui relieves women's sufferings, and builds weak ■ women up to health and strength. If you are n woman, I give It a vial It should help you, for it has helped a miU ■ Don others. It Is made from harmless, hen ingredi ■ ents, which net promptly and surely do the womanly oigans. I It is a good tonic Tfr Itl Your druggist sells it POPULAR TALKS ON LAW. ' i When the Banker Cashes Year Check. By Walter K. Towers, A. 8., J. D„ of the Michigan Bar. John Bummers was keeper of the general store at Elm wood. Al lan McPherson was owner and head of the Blmwood Savings Bank. The relations between the two men were far from friendly, but. as there was no other bank near at hand Summers maintained a commercial account in Sum mer's institution. , One Tueeday morning he purchased a load of potatoes from Clyde Webb, a prominent farmer of the vicinity. Summers paid Webb immediately, giving him a check for twenty I dollars properly drawn on his ac count In the Blmwood Savlnga Bank. Webb took the check to the bank and presented it to Mc- Pherson, who waa In the teller's cage. "What did you do, go and sell that load of potatoes to Sum mers?" inquired McPherson. "Yea, why not?" replied Webb. ".Well, you might have given me a chance at them. You know I am buying produce as well as baaklng." That's no resigns wtfry I should not- sell to John Bummeri4 ' "Well, . 11l show you you're a fool to sell to him," angrily as serted the banker. "He paid you with a check, dldnt bet And you took it; and it aint no good at aUi aeet" "What's the nutter V asked W«bb. "Why, he's no good financially, aao his check's no good, and you can't get any money on it" .Webb returned to Summera, and Summers hastened to the bank, knowing that his balance stood ckfce to four hundred dollars. Af ter a heated discussion at the batik Summers traveled to the'of fice of his legal counsellor. As a result action waa begun agalnat the banker becauae of his failure to cash the depositor's proper check and substantial damages ware recovered because. McPher aoh'a action had Injured Summera' atdndlag and credit in the com munity. This case Illustrates what la per hapa the primary duty «l the banker to the depositor—to pay . all proper checks drawn on him against adequate deposits. If v the banker falla to do this, either wilfully or through miatake, he » aaust anawer to his depositor. If the depoeltor' whose check waa wtoagfully dishonored suffered aay damages he may recover the aaaouat agalnat the banker. In jury to credit and buainess stand ing us the damages usually com plained of |a such (MM. The haaker la entitled to a reasona ble time after preeeatasent la or der that ha may examine iato the _ etate of the aocouat agalnat whleh the check la drawa. Oood baak ani have their affairs ao arranged that thla la a asatter of aeconds rqjther than miautea. .When Sammies sued MePheraon, McPheaon defended hla actios oa the grouad that while Summers did have a balance of about four hundred dollars, the baak held MM Summer's note for five hun dred dollars, whleh waa to fall due w|thla a weak. The banker in- Stated that ha had a right to ra tala Summer's depoeits to luaura payaseat of the note when It ahould fall duo. Hla poattlou waa a* Juatlfled la law aad faralahed htm with so effective dofenae. A . beaker may set-off aa ladebted aeaa that to doe by the depoeltor to the baak agaiaat the depoeit hut he may not set off one not jret doe. Summers could not be taqulred to pay the note untU Its maturity, and until then It was not effective obligation against When the bank pay» a proper ctack it ku a right to chart* paymeat agalnat the depositor. It may be that the hank will Aoom »ot to dlahooor the check lot tea JotHra when a halaaei oi tat eerea re maim and will ac commodate ita depoeitor by pay. big kla check la fait Thla la what la ksova aa an "over-draft", and while contrary to the printed rata* of moat banks la stlli frequently dona In ordinary coaamerdal prac tice. U the bank allow* aa over draft, in effect advancing money for ita depositor it may recover the amount (ram hftu. Banker* do not take time to la ▼eetlgate a depositor'-, account • "m. lor' every check that la pre sented to the bank tor pay ment. They depend upon memory, and confidence in the depositor, in many inatancea. So it aome timei happens that I bank will pay • check under the belief that the signer haa an adequate bal ance on deposit, When such Is not the case. On discovering its mis take banka have sometimes en deavored to recover the money paid the person who presented the check, but they have not been suc cessful la one sense of the word, the bank paid under mistake, and mistake la sometimes ground for recovery of money paid, but 'not by a bank under these circum stancea. Sometlmee after a person has signed and delivered a check he wishes to recall his action. Be immediately gets In touch with his bsnk on which the check was drawn and instructs it not to pay that check when It to presented. This is known as "stopping pay ment". Stopping payment ends the bank'a duty aad aleo ita right to pay the check when presented. It not only need not pay the check, but It mast not pay It If it disregards its depositor's in structions and pays the check on which payment has been stop ped it is the loser aa it may not charge that payment against the depoaltor's account. A. L. Sullivan owed James P. Long fiT.M, but by miatake he fill ed out the check to James A. Long and mailed It In an envelope addreased to James A. Long, aad James A. Long received it and cashed It at a bank. The baak lost the moaey It paid out oa the check.This was because a bank to bound to make certain that ft to paying ths check to the right or proper party. In law the mid dle laltlal to aot a part of the man's name, aad so the check wss payable to James Long. If there are two persons of the same name It becomes the duty of the bank to pay It to the per son of that aame who rightfully may rscsive it. 80 It la thai banker* will eaah checka only toi responsible partial known to tham Tbua wa have Illustrated an ex treme CM* under the general proposition that a bank paying 1 check maat do ao only to the proper party. It any one ataala »r finds a check, or forge* an en dorsement and ao aecuree pay ment from the bank, the bank maat stand' the losa. If a check haa been endorsed in blank, 01 waa drawn In each form that It waa payable to bearer, any beam may receive payment on it aad a bank if Justified In paying It tc any t*arer. unleea there la a«M special *lrcurn*tance to eauae It U believe that the bearer la sot thi right fui owmr c( the check sad bol "entitled to itceive payment ol It. Wlki ye j draw a check pay able to "the order of John Smith' you are entitled to the awnum that the bank will pay It to n oae other thaa John Smith or par tie* to whoa* he aaay transfer 11 by valid endorsement. Pa ul Q reer, tn Chicago, aigned 1 check for fWMt, directing hi* to eel bank to "Fay to the order ol Leon Young." Leon Young re ceived the cheek la St. Louie and endoraed It a* follows, "Pay U the order ol the Copper Baehaags Bank. Leon Young." He handed It to hie clerk together with 1 depoeit allp, aad toM him to taki It to the bank aad depoeit It. Tfcs clerk tore ap the depoeit flip aad told the teller Mr. Young wanted eaah. The eaah waa given to hta and that wm the laat that wai heard of the dark or the SMSM Again the bank waa the teeor foi the check waa endoraed to th« bank and not to the clerk, nor la > In blank by Leon Yoang ao thai > the bearer might receive the mon ey. If Young had almply writ the c»£* h**woul °klvi" bZtthi r loser. 80 if you are to aoad * > check to the bank tor depoeit, aad . do not traat your mssssagfr ab | o|ldOfM to OTftCI the pofitloo of an Innocent par ty. In the CM* of riiwd check* the bank must alto bear the loea again with the proviso that the depoaitor who signed the check in no way contributed to the fraud. If he drew the check ao carelessly aa to make the fraud possible, or In any way conspired with those who raised (he check, his poaition la not ao favorable. We have be fore noticed that the bank loses if it paya a check to a party not entitled to receive payment of It and that this la trnq though the fraud be accomplished by a forged endorsement. Of course a bank paying money to a party claiming his rights through a forged endorsement may recover from that person—always provid ed it can catch him. Such are the rights of the de-r positor against the banker. Re member that the banker beara these heavy responsibilities, and if In dealing with bim he insists that you comply with formalities that to you seem useless, remem ber the strict requirements made of bias. Handle all your checks in a business like manner.« DEVELOP TRUE BY CO-OPERATION Will i Wisconsin Ton DM Mwlts Emlitln. . COMMUHITY SPIRIT TELLS. Oreee Ones Onw In the Urwta el Delavan, Wis, hut That Waa Befere the CKlaene Learned te Keep Trade and PrefMa at Heme Three Hundred Per Cent Tax Inereeee In One Year. Delavaa, Wla., la aa excellent exam ple of a village ctfater arouad wbick has developed oae of . the moet prosper ous and cultursd agricultural comma oltlea. Tweaty-Sve years ago. weight ed with a SBO,OOO railroad mortgage, II waa a aleepy town, with grass grows streets and untidy jraMe. Poorly kept road a radiated tbro«gh-the rural die tricta. Little waa done for the farmei other than to supply In an Indifferent manner hla stapler requirements, and farm lands were not valued aa highly around Detaran aa near two of the lar gar towna In the county. About thla time an awakening took place. The dtlsene paid the railroad bonded debt la one year, even though the tax re were Increased nearly 800 pei cent Then followed a new high school building, city waterworks, sewerage, electric light plant Improved street* sod country roade. A woman's 1m prorement club cleaned and raked and scrubbed ike town and seta Wished s standard of dvfc pride that haa maW Ml HOn AM A. Bib MKT. Dttaran ou« of tt>« show towns 01 w»tt«ni Wlaoonaln. The Chautauqua aaoembly waa organised la 1886, and , aa additional opportunity for Intellec tual aad spiritual upUft waa given tmi cooatrysldo. Tko bualaaaa pact of tb* lowa waa practically rebuilt. Enter prlaing marc ban ta, with laaatsrah aad excalleat stocks of merchandise, ac tlrolr competed with the larger neigh ' boring cilia* of Bekrft. Janearllle Whitewater, Burlington and Lake Ge aara for the farmers' trade with aver lucciu. The merchants, In addlttoa to the ex eallent tralnea offered throughout thr year, aaUbilahsd a DeUras weak sale la arid winter, at which Ulna erery atorakaaper made especially law pricer aa goods aad alao contributed money ta provide free entertainments at the seam hones and picture shows for all rMtfcw farmer* aad their families. la tryiag oat a new procees creamer; fdMOO waa apaat raraMrs laatitatsa aad poaNry ahows were bald. Oo» earta. theatrical satsrtalameata aad aia>a» lecture coarase ware awlatalned aad ware patroaiaad by towa aad ceaa try people a Ilka. Baeeball fames. Held lan carartih aad ealabrstleas srert af frequent occurrste. A free pobtt library waa astfbiUhod. aad oat of abeat UNO.patreae- carda outetaadln* •ear 400 art bald by faraMrs aad their fa ad Mae Urlag from aaa ta aaraa mile* eat aide af the towa The raaalt of aU tbaaa tUaca ha. haaa that the towa baa made (be farm an ptaapetuae aad the farmera bare made the towa piaqiaraaa Real ae tata la fafly 3# per rest awee rateable la Deiaraa tawnahlp. according ta the la at aaaeaaiaaat Ostvae af Walworth coaaty. than aay ether towaeblp la tb» eoaatry. A »TS teara la a better market tbaa a «all aaa Iter all klads of farm predate, with kaaaer tampatlttaa asanas tend aaaa ML Aad If tba famar caa read By aeii Ma pradare ia a tewa be la car tala to bui the towa merchants' warsa la ratara. Mae atotaa with lante aad varied atocka af ap to data laribim diae are his aaaeta ta aay towa aad are ■«a ally rateable ta Hat asichborin* farmers, Tbajr apeil prosperity tm both.—Americea Agriraltariat. tambe Caalli ta ChUage gsefce batched by lecemedree coat* Chicago 9TJMJN erery year, award lac ta atattadca J net pabßabed by At denaaa Theodore toag. which wilt be irtnr**—« ta a iam mitt a a of the city oaaactl that W coaaidertn# aa ardlaaace far the electrldcattoo of raUway tar ■teala. The total aatoka damage ei i caada the etty'a lacalpta baaa eaiooo . Heine aa. aad the aratage lose ta each , family af $1&« la «gsrad as greater , tbaa the aaaoal personal peoparty tas tUmmsa Long's Bgnrss gtva the dally | ', D I GRAVES OF THE UNIDENTIFIED DEAD AT GETTYSBURG E H Tbla picture shows the grave stone# of 979 of the great battle's unidentified dead. The monument In tba bock* round marks the spot where Lincoln, made his famous address at the dedication of Gettysburg cemetery, November 19, IMS. OM Belfry, Lexington, Mas*. a Parker Memorial Fountain, Lexington Health And Hygiene. ■UM Hoard of Health Changrd. Three new member* went on the Stat* Board of Health last week. The new member* are Dr. Bdward J. Wood of Wilmington, Dr. A. A. KKen of Lenoir, and Dr. Cyraa Thompaon of Jacksonville. Theae new men Mceeed Dr. Bdward C. Rtfistsr, Charlotte; Dr. J. B. Anti craft, Monroe; and Dr. David T. Tayloe, of Waahlngton, whoae tarns* of office aspired at the etoae of the meeting of the State Medical Society held at More head City last week. The tana of of floe of Dr, Richard H. Lewie, former Secretary of the Board; also expired, but he was reapolnt ad by the Oovernor to auceeed himaelf. The new member* are all wall known phyfelcltna throughout the State. They enter apon the dutie* of thts responsi ble office with earnestness and en thuaiaam, and the citizens of the Old North State have a right to expect from such men real ad vancement la health work in the aauree of tha neat few year*. To Check Health Work. The value of health work will ■seaaura much longer by the fuse aad fume made by health depart atenta. People are beginning to demand, dlfinlte, concrete results —namely, a reduction in tha amount of preventable sltknsss, as wall aa a reduction la the daath rate. We now have a vi tal statistics law which will aoon be able to potet oat to the gen eral public whether or not a health officer can reduogj the daath rae, and as aooa aa we can get a -good morbidity law we can tall whether or not he caa reduce preventable a icknesa. Then tha public will have a good check oa health officers, elty, town, coun ty and State. itosithe cot* sit* • a d 1»« MONUMENT TO 88TH PENNSYLVANIA INFANTRY AM W fik /3f isflHHk \ W HnMk. msuL HhmL JJRajttf Kebe^. /"■SkTS hnU H H ||j Tb Monument erected on the battlefield of Gettysburg, Pa., to the Eighty- I eighth Pennsylvania Infantry, Second brigade. Second division. Amy of the Potomac. nHONoTRoiTTABLET TfiiTTYsiuße jMm m Ia HI j I * mB ' ■ i The Honor aole Tablet, erected br the oopblaed contribution! of Maine, Hew Hampshire, Vermont, Maaaachusetta. Rhode Island, Connecticut, New Tort. New Jereey, Delaware. Pennsy lranla. Weet Virginia. Oklo, Michigan aa4 Minneeota, In boaor of Ue men engaged In iwpnlalng Longstreet at High Water Mart ' ■•UEF la MB Users. Piatt—ing Kidney and Blnd nor Disease relieved in six boon by the "N*w QMMAT SOOTH AMERICAS Kramer Cm" It la a greet eurpriae on Mooant of its exceeding promptness in relieving pain in bladder, kidneyn and Mek, in male or fmal*. Believes re tention of water almost lmmadiat ly. If you want quick relief and enre this is tie remedy. Sold by Graham Drug Company. —-ar-va. KAtherine L. Norton, New Bed ford, Mass., says, "I had a ter rible pain across my back, with a j burning and scslding feeling. I took Foley's Kidney Ptlle, a. ad vised, wifth results certain and ■ore. The pain and burning feel ing left me I felt toned up and rOIIYSKEDNEYmiS Iwum >'»»■»■«*" B**w s.i ; :S M," RThe Kind You Have I Always Signature /A Jl • / JftJT 01 /iV il# ■BsaaasaAy ® se ■ For Over H Thirty Yb 3rs Rekmrotu Exact Copy of Wmppar. TWI wmw —wirr. rmm» —rv. _01) SOUTHERN RAILWAY "•aIK 1 Direct line To All Point. NORTH, SOUTH, EAST, WEST. Very Low Bound Trip Rates to all Principal Resorts. Through Pullman to Atlanta leavee, Raleigh 4:05 p. m. arrive* At lanta 6:35 a. m., making close connection lor an arriving Montgom ery following day after leaying Raleigh, 11:00 a. m., Mobile 4:12 p. m., New Orleans 8:20 p. m., Birmingham 12:16 m., Memphis 8:05 p. m., Kansas City 11:20 a. m. second day, and connecting for all other points. This car also makes close connection at Salisbury for St. Louis and other Western Points. Through Parlor Car for Asherille leaves Qoldsboro at 6:46 a. m., Raleigh 8:35 a. m., arrives Asherille 7:40 p. m., making doss connec tion with the Carolina Special and arriving Cincinnati tfhOO a. m. following day after leaving Raleigh, with dose connection for all points North and North-West. Pullman for Winston-Salem leaves Raleigh 2:30 a. m., arrives Greensboro 6:30 a. m., making close connection for all points North, Soneh, East and West. This car is handled on train 111 leaving Qoldsboro at 10:45 p. m. If yon desire any information, please write or call. We are here to furnish information as well as to sell tickets. H. F. GARY, J. O. JONES, T. P, A., General Passenger Agent, . 215 Fayettevills St., Washington, D. 0. * Raleigh, N. C. :'_2 English Spavin Linimnet re moves Hard, Soft and Calloused Lamps and Blemishes from horses; also Blood Spavins, Curbs, Splints, Sweeney, Bing Bone, Stifles, I Sprains v Swollen Throats, Coughs, ! etc. Save 150 by use of one bot tle. A wonderful Blemish Core. Sold by Graham Drag Company. Madam, Read McCafl's The Fashion Anthority McCALL'3 is a Urge, artistic, hand. mmmly ilhutratod 1' o*ptga monthly Magaalne tkat b • doing to ilm bppt> mm mad oflicioncy of 1.100,000 Bach J*fuo la trim Ail of feshton*. auwsy nortc, iatoraaUuir aliort *>* u*. tud «cdtm of labor-navUlff *nJ inoii. y-mvhif Mm for vontcn, Thoro an» nwro Uuui Mof ths news* Mrui of the ccl.hratod McCALL PATTEHMM la Mch ten*. IfeCALL PATTKRNB »r* fiimous for atrlo, fit, simplicity suul Ciouoiuy* Only to and lftoenti cruh. The publisher* «>f WKTALT/S will «TW«! thO'.tvuu!* of dollar* #xtrn hi thncniniiur iao:ilh« In offer to twp MrCA LL'ri limiJ and diouhlers a>*>v«* oil oth«-r Mnmep'i MWInM m oujr Irt«-*. However, worth fl iS/* ° MI/ ** * ,mt l T— Cm WrTaM PaH«r* from your flr*» -opj of McOAJLL'B, If vou -subscribe quickly. 13 Iccm CHMT. 2M Vnt m St, Km mA for I bntar ll VtCALLI v«Mlrr MsoiMtmwnulsfM. Sample copy ami ||it* km taiMsfW also liw«« We want Ike WU BEmWKR _ Mrs. J. C Jill committed sui cide at her home la High Point Saturday by cutting her throat her throat with a resor. She nl la poor health sad had previously attempted her Ufa. She wes M years eld and leaves s husband r • "V,." ■ . ' BLANK BOOKS ■ ? Journals, Ledgers, Day Books, lime Books, Counter Books, Tally Books, Order Books, Large Books, - Small Books, Pocket Memo* Vest Pocket Memo* Ac* Ac. j) For Sale At The Gleaner . Printing Office Graham, N. C. —- mmmmm—m Ifcr sm wSlcfaa sad hare ths II I teams we wge yen m buying to U a hesswoategshigusiii nS I "v-'W JJier nriiiiia i - j llfh' ''VimimHJ? i jsgflyfljiy' »,«■ p y-y^.^,ffsSChrgA" t *- "*** h -1 Vln nil fir Tlißfrif 111 9UHHIIK JIIUUIUISa ...
The Alamance Gleaner (Graham, N.C.)
Standardized title groups preceding, succeeding, and alternate titles together.
July 10, 1913, edition 1
4
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