Newspaper Page Text
DR A. G. L a
Graduate Baltimore College of Dental
urgery. CSce hours, . to 1:0.-4 to 6.
Over Cassell's Drug Sto, Vicksabrý, Miss.
L. . jg ER, S. B. KENNiDY.
B ER & KENNEDY,
Lake Providence, La.
aOffice next door to Postoflice.
C. 8. WILT,
l.ttorneyr at L..aw.
Lake Providence, La.
Practices In State and Federal Courts.
OLIFTON F. DAVIS,
.Attorney ast T-.aTw,
Lake Providence, La.
At Judge Montgomery's law office.
W. D. SELL,
Burgeon and Practicing Pysician.
(Obstetrics a specialty.)
Will respond to all calls, day or mght.
Oisce at Bernard drug store. Residence
next to Metodist Chure
Payment for medical services must
be made at the close of each month
Local and Parish News.:
Oh those good things at McRae's.
Five fancy apples at MeRae'd for a
Misses Quays and Lindsay were in
town last Wednesday.
Col. Frank Taylor is up for a few
days this week from the First ward.
Mrs. W. E. Long and Miss Keene
were in town last Tuesday shopping.
If you cant get what you want at
McRae's you might as well go home.
Rev. C. D. Mack held services in the
lower neighborLood last Sunday even
The Leathers took away 94 bales of
cotton from here last Wednesday
Judge F. F. Montgomery made a
short trip to Vicksburg in the early
part of the week.
Misses Kittle and Elise McCulloch
of Cottonwood, paid Providence a
visit last Monday.
Levee street looks like it used to
years ago. Everything has a business
like look about it.
McRae's New Crop of sugar house
syrups is first class and that Buck
wheat goes nicely with it.
Call at McRae's and they wont lose
any time in showing you the prettiest
line of groceries ever in town.
Messrs. P. D. Quays and W. D.
O'Kelly attended the Waterways Con
vention at Vicksburg this week.
Judge J. M. Kennedy left last Mon
day for New Orleans to attend a meet
nlg of the State Central Committee.
Rev. II. W. Knickerbocker delivered
a fine lecture on Belshazzar's Feast
last Sunday night at the Methodist
Mr. Geo. Malone came down on the
Joe Peters last Sunday from Mexico,
Mo., and will remain here a few weeks
We have it from good authority
that the negro, Pete Evans, who was
spirited away by parties in the first
ward last week, is dead.
We are under obligations to our
valued correspondent * * * this week
for assisting in getting out this iassue
of the paper. Many thanks.
Mise'Julia Coleman, who for some
months has been visiting the family of
Mr. Geo. F. Blackburn, returned to
Greenville last Sunday on the Joe 1
The Lake Providence Building and
Loan Anociation opened up a new
series on the let. Now is your time I
to become a member. $1 a share per
The Pargood left here last Monday
morning with 477 bales of cotton.
She took from Purdy and Shchneid
ere landing 67 bales of cotton and 287
sacks of seed.
On account of some of the lawyers
wishing to attend the Waterways
Convention at Vickseburg this week,
court adjourned from last Saturday
unto yesterday. 1
Hon. J. E. Ransflell attended the I
Waterways Convention, which met in
Vickeburg last Tuesday and Wednes- j
day. Mr. W. H. Benjamin also went
from the second ward.
Mr. J. 8. Guenard made the round
trip on the Joe Peters in the early part
of the week to Vicksborg and return
with his little boy, Sidney, who is just
up from a long spell ofslckness.
Mr. Pat McGnire left on the Par
goud last Monday for New Orleans to
be gone a short while. This is the 1
irst time we know of that Pat ha 1
ever left the parish since his coming
her from the old country.
Mrs. Jessie Graham returned to her ,
home In the second ward last Tuesday t
morning after spending the summer
most pleasantly in the East. Mr.
Graham stopped at Wayside, Miss, d
hr a few days on his way home.
Mis Dee Davis returned home last I
Sunday on the Joe Peters, after a ,
pleasunt trip to Bartlette, Tenn. She
was met at Memphis by her sister,
Mrs. T. J. Gilliam and Mrs. Fatherree,
wha made the round trip on the Peters. o
Msrs. W. H. MecClloch, M. M. a
Godwlan, RI. C. Green, John Hamll- c
ws, John Morgan, Chas. Gregory and cI
tucas Voem retarned frm. Moeroe,
Where bthey were summoned on the U.
Sgre tjury, the latter prt of het
.--Wry us Sunday In town the a
uao# Kiss Doll Keannedy. The tc
gldy'b ·aumeroes freads were G
t :Isirne ber bhome again after
mer spent with relatives.
lwJ; dc. Coats' otton
: at_ 'feet. :t'4nee is
"l .w. N- WH-rx, AGr.
What is it Matne wont have next
J. Just because Jeans Pants are work.
* Ing pants is ino reason why they
shouldn't fit and look well. The
BUCKSKIN BREECHES have the
7 most wear, best fit, and best looks of
any Jeans Pants made, where pants
Why suffer with Coughs, Colds and
La Grippe when LAXATIVE BROMO
QUININE will cure you in one day.
Does not produce the ringing in the
head like Sulphate of Quinine. Put
up In tablets convenient for taking.
__ Guaranteed to cure, or money re
funded. Price 25 cents. For sale at
G uenard's Drug Store.
If you want your begs to quit root
. lug call on McRae's.
Messrs. Dave Barmore, May Bar
more, Chas. Barmore and C. H. Jor
dan, who have been the perpetrators
of the depredations in the lower end
of the parish, came up last Tuesday
and waived examination, giving bond
it to appear at the criminal term of court
h in January next.
Don't forget that Liver and fresh
Pork Sausage and Boneless liam at
a Sandy, the Irish hostler of Mr.
Robt. Nicholsou, committed suicide
u last Monday night. He had threat
ened several times to take his life, and
W last Tuesday morning he was found
lying In the stable just alive. It was
learned that the night before he had
t bought two bottles of laudanum at
. Wolff's store, which drug was the
e cause of his death.
Mr. J, K- Fowler, secretary and
treasurer of the Corinne Mill. Canal
and Stock Co., of Corinne, Utah, in
speaking of Chamberlain's Cough
a Remedy says: "I cocsider it the best
y in the market. I have used many
kinds but find Chamberlain's the most
b prompt and effectual in giving relief,
a and now keep no other in my home."
When troubled with a cough or cold
0 give this remedy a trial and we assure
you that you will be more than pleased
with the result. For sale atGucnard's
° drug store.
If you want your old buggy to quit
e railing go to McRae's. I
Mr. J. P. Alexander, of Harwood
Island, Ark., wishes us to state that c
the correspondent to the Banner
Democrat, who wrote a month or so
since under the nomme de plum of
"Traveller," made a false assertion
when he said that all the county
officers in Chicot were filled by
negroes. lie states that there is only p
one office in the County filled by a
negro. We take pleasure in calling b
attention to the public to this correc
MEDICAL DEPARTMENT. - E
Tulane University of Louisiana. 0
Its advantages for practical instruc- tl
tion, both in ample laboratories and r
abundant hospital materials are un- is
equalled. Free aecess Is given to the It
great Charity Hospital with 700 beds t
and 80,000 patients annually. Special p
instruction is given daily AT THE BED- 4
8IDE OFrTH SICK. The next session t
begins October 17th, 1896. For cata- st
logue and information address
Por.. 8. Eg CHAL.a,, M. D., DEAN, p
New Orleans, La. t
agSP. O. Drawer 261.
If you want to get fat go to Mc- c
Rae's often. m
The Rev. C. D. Mack delivered a yE
fine sermon last Sunday morning at lo
Grace Church to an appreciative con
gregation. This was the first sermon cli
of the reverend gentleman's ministry m
in Lake Providence, and we have no
doubt but that in the work that lies
before both pastor and congregation m
each will be reciprocally benefitted to
and blessed. The Banner-Democrat
joins the entire community in welcom- th
lng the Rev. C. D. Mack into our
There is one medicine which every of
family should be provided with. We ad
refer to Chamberlain's Pain Balm. Ot
When it is kept at hand the severe mi
pain of a burn or scald may be prompt- wl
ly relieved and the sore healed in much A
less time than when medicine has to be aci
sent for. A sprain may be promptly co
treated before infiamation sets in, fol
which insures a cure in about one- the
third the time otherwise required. ed,
Cuts and bruises should receive imme- tl
diate attention, before the parts be- WE
come swollen, and when Chamberlain's as
Pain Balm is applied it will heal them ll
without matter being formed, and
without leaving a scar. A sore throat
may be cared in one night. A piece
of flannel dampened with this liniment '1
and bound onover the seat of pain, will on)
cure lame back or pain in the side or
chest in twenty-four hours. It is the not
most valuable, however, for rheuma- mo
tism. Persons afsieted with this ses
diseeae will be delhghted with the
prompt relief from pain which it
affords, and it can be depended upon che
to effect a complete cure. For sale at tri
Guenard's drug store. r
MeRae s tart. a ig gu nost week I
look oes for him f *hH
Father Mas'r returned from New
Orleans last Tuesday, where bhe went
to attend Ibe-bgdside of Father Gen.
teele, who died last week. We have
heardl some sincere expressions ol
regret expressed at the good priests
t death, and the writer has reasons Ic
add to them his sincerest s) mpathty
May he rest in peace.
0 The followia:g is the official return
1e of the vote cast in the primary ele
il tion in Madison on the 15th inst
t For Judge F. F. Montgomery, 172
E. C. Montgomery 129. - For District
d Attorney A. S. Slack 64; W. S. lt(linrs
0 240. For Senator W. M. Murphy 2521
,. J. E. Rausdell 21; L. K. Batber 29
e For Representative J. F. Bulls 294;
,t '. C. Kell 260. For Sheriff J. T. Mc
Clellan 150; C. II. Lucas 154. For
Clerk W. II. ilarvery 172; J. B. Gallo
t way 129. For Coroner T. J. Turpir
176; W. P. Yerger 120.
In this issue appears the card of Jr.
C. R. Egelly, announcing himself as a
candidate for re-election to the office
of Justice of the Peace. There is no
better citizen in the third ward for
this position than Mr. Egelly. Besides
being well versed in practice relative
to the Justice court, he takes pride in
rendering equitable, fair and striclly
!egal decisions according to his con
slruction of the law. Mr. Egelly is
the right man in the right place, andt
be will have no opposition.
--While down in the southwestern
e part of the state some time ago," says
Mr. W. Chalmers, editor of the Chico
I (Cal.) Enterprise,. 'I had an attack of
I dysentery. Having heard of Cham
berlain's Colic. Cholera and Diarrhoea
I Remedy I bought a bottle. A coupel
of doses of it completely cured me.
t Now I am a champion of that remedy
for all stomach and bowel complaints."
For sale at Guenard's drug store
Mr. David Muir died quite sudden
ly last Monday morning of swamp
fever at his residence at Villa Vista.
He had been having chills for some
time past, but nothing of a serious
nature was anticipated, when he was
taken suddenly very sick and passed
away after a very short illneess. In
the death of Mr.. Muir the parish loses
one of its most valued citizens.
A native of Scotland, he has lived
here for a long number of years, and
has been identified with the interests of
the people during this entire time.
Rev. 1. W. Knickerbocker was tele
graphed for to perform the burial
ceremony, which took place the fol
lowing Tuesday at 12 o'clock. Mrs.;
Muir left a few days afterwards to
join her daughter, Miss Tizzie, in Chat
tanooga, Tenn., who, at the time,
knew nothing of her father's death.
An outline of Mr. Muir's life will ap
pear next week.
The family have the sincere syinpan
thy of the Banner-.Democrat in their
Mr. Martin Christensen and Miss
Ella Parsley were united in the botl:d
of matrimony at the old Egelly resel
dence last Tuesday evening, at 7:30,
the Rev. II. W. Knickerbocker per
forming the ceremony. The bride, who
is only fifteen, wore a white silk crepon,
trimmed in orange blossoms, lilies of
the valley and lace. Only a few were
present to witness the ceremony, but
everything passed off pleasantly, and
the bride and groom received a liberal
share of congratulations, together
with best wishes for a happy and pros
perous life. An elegant supper awaited
the guests, consisting of a variety of
dselicacles and choice wines. Mr.
ChrIstensen Is foreman on the govern
ment fleet, which position he filled last
year. They will live in Providence as
long as the fleet remains here.
While we will not pretend to criti
cise the various costumes worn by the
maskersl last week at the ball, there is
one, which for novelty and unique
design, as well as for tasty arrange
ment, was one of the best. We refer
to the costume of Miss NarcleseI
Williams. Miss Williams conceived
the'idea (a very proper one) of repre
senting the Banner-Democrat; and to
this end she made a dress entirely out
of B.-D. papers, displaying White's
advertisement on one of the big sleeves.
On her head she wore a high cap
made of the head letters of the paper,
while in her hand she carried a small
flag with "Banner-Democrat" printed
across it. Mis Williams remained ln
cogulto for a long time before any one
found her out. We tip our beaver to
the young lady in grateful acknowl
edgment of the compliment, and veu
ture the hope that her judgment, as
well as her selection, may always be
as good as when manifested on the r
night of the ball.
T-E ANCIENT MARINEICAN IN- d
The Ancient Mariner is a poem not
only dramatic in incident, burningly P
gorgeous in discription and with an
tmosphere weird and desolate as the
northern wind that wails throough
mountiun forests and over lonely polar
seas, but it is also a faultless allegory.
The first pictore presents a wedding
scne. The morning sunlight, fresh
sad fair, floods the cheerful village t
hreh. the green award. the bridal
rain. Theb notes of the wedding march
brob through the pure spring time
.a a corner of the church yard standss
i -d 'ailor, Ies sdslask sm4 brown
IcRAE TO TH
WITH ALL THE NICE THINGS TO EAT1,
READI READ!! READI!
Cranberries. Fresh Pork Sausage in oil.
Ben l)avis Apples. " Fresh Pork Sausage.
Fresh Prunes. Pickled Tripe.
Bunch Celery. Pickled Pigs Feet.
California Fresh Fruits. Whittiker Hams.
California Evaporated Peaches. Acme Hams.
Evaporated Apples. Picnic Hams.
Dried Apples. Breakfast Bacon.
New Sugar House Syrup. Balogna in Olive Oil.
Maple Syrup. Hog Chittling.
Gold Drop Syrup. Sure enough Mangoes.
And that Buckwheat. Crabs on 1-2 Shell.
Heno Tea. Sauer Krnut.
Assorted Preserves. Pine Apple Cheese.
Assorted Fruit Butter. Cored and Grated Pine Apple.
Potted Chicken and Turkey. Rolimopps.
Fresh Strawherries in cans. Chicken, Ox Tail and Turtle.
Fresh Cottolene. Soaps.
Fancy Candies to Suit the Most Fastidious!!
ii-Brandy, Claret, Champagne Cider, Ginger Ale, Mineral Water,
Seltzer Water, Old Rye Whiskey, Imported Apollinaries Water, Imported
and Domestic Champagnes, Anheuser Busch Keg Beer, Budweiser Bottle
Beer, Malt Nutrine, Mereschino, Benedictine, Imported Sherry and Rhine
I amnt oinrg a first class Grocery (usiness and a liberal
si, are of your patronage will be a treciated, and satisfaction is
gu:aranteed. Yours Very Truly,
W. C. MoRAE, Agt.
as is the ribbed sea sand." There is a lsoul. The Ancient Mariner breathes
is is the ribbed sea sand." There is al
ta. straUnge fascination in his glittering
a. eye. lie is talking to one of three
ne young men that have just come to the
us marriage feast, The Wedding Guest
as is La exponent of the real world of
ed society" There is in him not even a
slight element of the supernatural or
n strange. The Aucient Mariner repre
ces sents the first soul that ever set sail on
•e. the sea of religious life. To him, there
ed fore, the bridal party, the green earth,
d the blue sky, are but as pictures indis
tinctly seen. His mind is dwelling on
of the phantom-like and yet so real ex
te. periences, through which he has passed.
e- Ilis first words to the Wedding Guest
al relate to those experiences. The
young man is impatient.
- .'Tb. bride grooa's doors are opened wide,
re And I am next of kiu,
,.'he guests have met, the feast is set,
to .ayst hear the merry din.
Ile holds him with his skinny hand,
THERE WAS A snIP quoth he.
e old off, unbound me. gray beard loon,
Eftsons his hand dropt he."
h. **There was a ship" quoth he. The
-old sailor ignores the present surround
iugs, and immediately begins telling
of his experiences. Then follows the
ir The ship bears outward into the
great ocean, a crew of two hundred
men and the Ancient Mariner.
as The ship was cr:eered, the harbor cleared,
M t errily did we drop.
1I Below the kirk, below the bill,
Below the light house top."
This is a picture of the beginning of
, a religious life. At first there is noth
r- ing but joy and hope, encouragement;
o free sailing.
In a little while there gathers a
"And now the storm blastlcame, and he
e Was tyrannous and strong,
He struck with his o'ertaking wings,
it And chased us south, along."
d Great thunder-bearing clouds of sor
il row break upon the soul of the christ
r The ship enters the region of the
I- ocean where are the ice bergs and the t
f "And now there came both mist and snow,
And it grew wondrous cold,
r. Bnd ice, most high. came floating by,
As green as emerald."
The soul trusts not to its God in I
t sorrow, and enters the mist white re
a gion of doubt, where there is dimness I
and confusion. Through the dense
vapors it is impossible to distinguish
truth from falsehood.
a The ship is bound in thethick, frozen
"At length did cross an Albatross,
B Through the fog it came,
As if it had been a christian soul,
We hailed it in God's name."
r The Albatross is a white sea bird of I
Sgood omen. In the allegory, it rep
The soul surrounded by mists of
doubt, hails with joy the messenger T
which says ,"God liveth."
"And a good south wind sprang up behind,
The Albatross did follow,
God save thee Ancient Mariner, I
From the fiends that plague thee thus, - A
Why looks thou so? With my I
Cross, I shot the Albatross," L
This is the first climax of the narra
tive. The doubting soul slays the intel- r
lectual faith that guided it through the g
frozen depths of disturst.
The ship is at once becalmed. h
"Down drop the breeze, the sails drop down,
'Twas sad as said could be, -
And we did speak, only to break i
The silence of the sea.
All in a hot and copper sky
The bloody sun at noon co
Right up above the mast did stand, A
No bigger than the moon!
Day after day, day after day. ti
We stock; nor breath nor motion,
As idle as a painted ship.
Upon a painted ocean." li
The Ancient Mariner, and all of the fs
crew, enter into the dead sea realm of di
dispair. Doubt is passed, faith i. goneo
and only desperation remains. Tnere "'
is no God, man dies and his soul per- B4
ishes with his body; the earth and the lb
planets made themselves. This is the W
region of,|atheism and ."these were the
first that ever burst into that silent di
"Water. water everywhere, gl
And all the boards did shrink.
Water, ..ter everywhere,
Nor any drop to drink."
Water represents Godrs commonplace R
blessings. They are every where, but 1t
the soul in the attitude of utter
denial of its maker is unable to receive
"Ah wel adar~r Wbhtevllooks
Bad I from old sad yeoauls
lmnstead of the croe, the Albatos
Aboat my neaok they h !"
This abowm Ws of 4pl ove
:t soul. The Ancient Mariner breathes
g upon the spirits of his comrades the
e withering breath of despair, just as
he erstwhile he had breathed upon them
st the breath of hope. The crew repre
of sents that class of tmen that are unable
a to think for themselves; that are easily
or led by any strong nature; that gain
e- painlessly the lessons which the Giant
rn has learned in agony, and 3et that
e- are cruelly severe, if their leader
t, makes a misttke. The crew repre
i; s ents the men of pettiness and medi
n ocrity. They mock him who helped
x- them. %
d. There passed a weary time, each throat
at Was parched, and glazed each eye,
A lenry time! a weary time!
le )w glazed each weary eye.
',hen looking westward Ibeheld
A something ln the sky,
I bit my arm, I sucked the blood,
And cried A sail, A sail!
The western wave was all flame,
The day was well nigh done,
Almost upon the western wave,
Heated the broad bright sun.
When that strange shape drove suddenly,
Betwixt me and the sun."
iIt is a skeleton, ship whose black
masts are outlined against the crim
som crb. tHer crew are Death and Life
ee in I)eatU. They are casting dice for
the soule of the sailors. Life in Death
wins the Ancient Mariitr, and Death
wins the crew.
"Four times fifty lirving men.
(Antl I heard nor sigh nor groan)
With a heavy thump, a lifeless lump,
They dropt (.wn one by one.
The souls did from their bodies fly.
)f They fled to bliss or woe,
And every soul, it passed me by
- Like the whizz of my cross bow."
t; The strong spirit that bravely battles
with the spectres of the mind is not
a crushed even by despair; but weak
natures, that have never exercised their
powers, are completely overcome by
such a weight of gloom. The men of
the crew die but the Ancient Mariner
lives on. Through his influence he has
benighted those more feeble than him
self. He now suffers that remorse
e which ever isolates a man from his
"Alone, alone, all, all alone,
Alone on a wide, wide sea,
And never a saint took pity on,
My soul in agony.
I looked upon the rolling sea
And drew my eyes away,
t I looked upon the rotling deck,
And there the dead men lay,
I looked to heaven and tried to pray,
S But or ever a prayer had gusht.
A wicked whisper came and made
My heart as dry as dust."
The soul unrestful in itself finds all
nature loathsome. In this state it is
impossible to pray.
The ship remains becalmed.
"The charmed water burnt alway,
A still and awful red."
"Beyond the shadow of the ship,
I watched the water snakes.
They moved in tracks of shining white,
And when they reared the elfish light
Fell off in hoary flakes.
Oh happy, living things!l no tongue S
Their beauty might declare,
A SPRING OF LOVE OUSHED PROM MY I
AND I BLESSED THEM UNAWARE.
The self-same moment, I could pray,
And from my neck so tree,
The Albatross fell off and sunk.
Like lead into the sea."
The heart weary of the struggle
rests unconsciously in a sense of the
great goodness of God. The poor t
petty strife is 'ended through sheer ex
haustation. '"The tired eyelids close Y
upon the tired eyes " and a trust ful- p
ness which has in it much of humility, tl
comes into the soul. Instead of dis
cord. the world presents harmony.
A gentle love takes the place of ques
tionings. Where there is charity, et
there is christianity. The heart faith vi
lives hence in the poem, the dead
faith of the intellect the Albatross tr
drops from the neck of the Ancient di
"Oh sleep! It is a gentle thing, w
Beloved from pole to pole,
To Mary Queen the praise be given,
She brought the gentle sleep from heaven, re
Which slid into my souL" E
This is the first stanzap which At
directly suggests the allegony. The O
gentle sleep from heaven is the peace 11
granted by the Virgin Mary.
"Beneath the lighting and the moon
The dead men gave a groan, -
They groaned, they etirred, they all uapree, N
ioron s e, nor moved thir eepa,
It had beeuftr.nge, even a a deseam, _
To have seen tneae dead men ge."
When the strong, infl8eatial Spiritt
recovers its faith, those lesse't SoIS
that it has paralysed, wtll, proably. ,
live again. For a few momeets thei
beauty of their past glory will some to
them. itoiiver tb are' sO.' of t1h
.. ' " i . i :
the' Lake Proildaelt in d
elbectirtin, a Monday .the 18th in t., n t . on a
] by tho Icmrd of DireCtbrs teo rer eo the Ua o ,i
I C. Mahe: Vice President, IL g. R*, aiy Tres~rtu , .:I ;
tary, C. F. Davis: Attoey1 J. E. :Ba1nade l NotaKlr FW, ..e
The same Board of Direc6tors has ts endeetid for the *lit
the Stockholders of the Assoeiation, ird "the samre ofikei e i~e': .
every year by the Board of Directorsout of their numismbe, tehiehft i
that the Stockholders think that the Oficers and Dhrectors of .t e a seol
ation iare rightly managing their interests.
It has been the custom of the Building Assoctlion to ptblish every year
a statement of its finances certified to by ' the Preksidetat and" Becretary,
showing tha withdrawing value of each series, with the number of stds.k
holders, etc.; hut as this statement was fully embprehended ally by po0
pie familiar with the workings-of a Building Association, and not at 41l wni
derstood by those who are not, the oftlcors maske this. year only 4 ai8lih0
and lucid statement of the condition of the finances of the-Assueiatioan tre
its º,in~:i!gs to the present day:
Tot ,l assets of the Lake Providence Buitdhig Assfeiatmrim, ...14,0091
Profits of As.oci;ation since its beginning................. 4,77b.
Net profit of this year........... ...................... . 1,i8i9,ft .
Amount ºof lans inl this town. ............................ Ia,00.00
Total numi:ler of sthares................................ 2g5
Several years ago, the meritsrf a Budding Association were plmhnty
explained in this columns, and the New Orleans ~ress at tl as the honor
of meprovutcing our articles on the subject. 3Bt, int spiteof. our erIlania
tious, it took a long time for some of our peoplea ti conmpurehednl th
workintg of it. especially as they labored under the misappriehensiotf that
borrowers in the Association were paying 25 to' 30 per celit. tur thlr
Imoney borrowed, while they are simply discounting their stock-` >..9 itO
per cent. and paying interest on the money borrowed at the castnfty
rate of S per cent. Although somine of them could not see it very etarly,
nevertheletss, trusting the organizers of the Builaitng Asociattion and
anxious to have homes of their own, they borrowed from the ' lding
Association, and to-day they are paying for their homes a monthly rntal~
amonutine to very little more than that which they wonld have to py to4
any landlord. III a short time, the houses, which they built three and a
half years ago, will be theirs.
The Building Association has an interest in nineleen difterent houset
in this town, including the Opera House and the A. M. E. Church,, and
we proudly state that the Association has not made a bad , loan; it baih
survived the overflows of '91 and '92, tile crisis of this year, the bIoet
rowers are paying their monthly rentals, and the Association will not
have to take back a single one of the houses it has built in this town.,
More houses were put up in town since it is started, i. e., three ad a
half years ago, than in the eight years that preceded Its organiataton
Our people begin to understand it, they see that it Is a good tbiwng, and
they etndeavour to secure homes through the means of it.
One feature of it, however, does not seem clearly unierstood, and it is
the saving feature of it. Every one knows that the principal obstacle in
the saving of small sums of money is the difficulty of investing theum,
Take a clerk, for instance, who out of his wages desires tosave, sa7 5
a month (and every clerk should save at lust that amount to. fall .,ak
upon in case of sickness, discharge or other contingencies;) he may have
saved that amount for several months, and Lave on hand $15 or $50, bet
be finds it impossible to invest it in any way; he has it ou hkatd, it is
mather a bother to himr; some frolic comes along and he spends it m oned
day. Supp.ose hnm to have saved *5 a mouth tor one year, and to have
on hand $60, he cannot. invest it in any way, for no one wants so small a
sum, and especially no one wants to go to the trouble of mortgaging his
property for that small amount. He may continue to save until be had
accumulated $100, and yet the same difficulty presents itself. "No
security is considered good but real estate, and, in order to make his loan,
the title of the real estate must be investigated by a lawyer at a coat of
not less than $5. Besides, his money has to be loaned fur several years,
and in the maeantime-he wants it, he cannot get it; when it ma dwe, he- may
have to foreclose the mortgage in order to get it, thus surely making an
enemy of the man to whom he loaned his money.
The Building Association saves him all this trouble; the ._eoney is
received monthly as lie earns it; it does away with the temptation to -qend
it. It is invested safely as soon as received, and at the end of itt monahs,
if he wants it, he gets back every dollar be has deposited with thei tAsno.
ciation with 8 per cent. interest. If be does not need it and lets %i stay
in the Association 6 months longer, he gets 9 per cent. interest r sat
num on his deposit. If it remains 9 years, he gets 10 per cent : ltbrti t
24 years, 11 per cent. interest; 3 years, 12 petr ent. iptertat; '4 yeari
15 per cent interest. The stockholders of the .Associatioat w i4took
shares three years and a half ago, when it started, can get their metipy
now with 15 per cent. interest per annum. They had no .difficlty wst.
ever in investing their money, the Association did it for them; it was
loaned on a first class security; it did not cost them one single cctt to
have the title investigated, and if the Association had to foreclone ovn
some of its securities, it would have been done without cost and withostt
odium to the stockholders.
We have taken the trouble to calculate the difference there is in thel
savings of a man as invested by himself at the cost of permernal trouble,
and his savings invested by the Building Association; we give it here
below in juxtaposition. The figures speak for themselves.
t o Iud at Iterest.
Saved in 12 months at $5.00
per month ....... ............ ..00 00
NO interest ....... .................
Saved in 18 months at $5.00
permonth.............. ..... 90 00
Interest not payable unotil end of year
Total ............................890 00
Saved !n 24 months at 80.00
per month ......................$10 00
Interest on $60 for one year......... 4 80
Total ......................... $124 80
Saved in 80 months at $5.00
per month ......................0150 00
Interest of previous year........... 4 80
Interest of present year not colleet
able until the end of the year....
Total .................. ........0154 80
Saved in 36 months at $5.00
per month .....................0180 00
Interest on $60 for 2d year.......... 480
Interest on 8124.80 for 3d year....... 9 98
Total .......................... 194 78
laved In 42 months at $5.00
per month ................ $210 0n
interest on $60 for 2d year.......... 4 80
interest on $124.80 for 3d year ...... 9 98
Interest on j year on $194.70........ 7 79
Total.................... ... $285 7T
Investoi by theo htllig Auasaation.
~aved in 12 months at
I5 per month............. ...0000
Interest if withdrawn ..............., 40
Totsa ......................... 0i2 40
Saved in 18 months at
P5 per month ............. .....$90 00
Interestif withdrawn................ 6 07
Total .......... . ...08 07
Saved in 9C menths at
6b per month ......... . ... $10 0
Interest if withdrawa .............. 1 00
Total .................. .. .....$1 00
Baved ton 0 months at
08 per sath....' .... . :......I110 00
Ionterest if withdrawn ............ I 7
Total ................ ......... 171
Saved Into 38 montbs at
Interest tif withdrawn........... .. S 4
nSpar tfol ............... t0S24
Total ............ U 07
Any one saving $5.00 a month and ivsetno g it tp thi . Apo
ciation, besides sparing himself th8 trouble of atted to bs a nd
later on the worry of collecting his m sy, uy ek a cleat ~ro$ -.di g
to these figures, which we think correct, of $2.40 for the fist y7r; $7.10
the second year; $17.62 the third year, and $82.30 the third ted a half
year. lHe has saved himself trouble,tted made money, whirs he Ian get,
principal and interest, at any time after giving doe notice at the - ale of
the Building Association. C. MAI, freidet,.
C. F. DAVIr, Secretary.
enduring stuff and so this spark of
vitaihty soon goes out.
The Ancient Mariner falls into a
trance and Two Voices contend for his
destiny. One is the voice of justice,
the other the voice bf mercy. Mercy
wine, his pool, He has done penance,
therefore shall be forgiven. Yes.
remorse shall be driven from his mind.
'Each corse lay flat, lifeless and ast
And by the holy roo
A roan, all light a seraph man
On every corse there stood
This seraph band, each waved
It wa a heavenly slht !
They stood as sign to the land
Each one a lovely light
This seraph band, each waved his bad,
No votoe lid they impart
No vofce but oh: tihe sllenceeaa .
Like mtic on my heart.
The sels of his feeble eomrrsde,, he
has not murdered. Their bodies are
dead; but their spirits utand, a seraph |
band, white and pure, before- their
The ship now asaii into. the harbor
froms whenmep ittarted. Thi Aaciet.
I Mariner has reached the-bairn for
which be has longed, the baven of his
own, his native land. Hewalks through
I the falithar streets of the village with
a sad but hopeful thee. The long es
peticnces will not be for ggttn, the
Joneltness and the desolaii- :of the
vast awful sea; the dre i t; the
heavy weight of the 4Ib ; but
from these axperiendes .he bi learned
the lesson of ehatity.. Then n.ever
he sees starting out I life . goung
soul. careless and fre1 he tell him of
the perils throq1b whi * m uKst
S carc..t to te ias44ie¶*mess
H ebp tayl ei W ti
~~ Y78 ~