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WINNSBORC, 0.
^ Wedntsiay, F?& r*ary 14 1990
0JKXA> 1U *r&A*L 1A i,vKo<MiA>
Tht Gsneral Assembly ku pu??d
resolutions inviting William J. Bryan
to speak in Culnmbia o > his way to
Florida. Mr. Brian bat accepted the
invitatioa, and will wake a speech
there next Thursday. VTe make the
announcement bow that it may reach
. oar readers in tha country. The hour
has aot been appointed^ bat it is supposed
that Mr. Bryan will sptak in
the afternoon It is likely that special
rates will be given by the railroads,
and it is probable that a large crowd
will ?0 to Colombia to hear tbe great
Democratic orator. If the weather is
good, we hope that oar Colombia
friends will arrange to hare tbe meet*
iog in the open air ao that everybody
m&j have a chance to bear, though a
speaker alwiya appears at a irre?t dia
adtantage in tbe open air. It ie very
trying on tbe voice to speaK ouicwors. (
However some people nuy eritidire
Bryan, bis oratory is admitted, ar.d
his wonderful personal magnet is? has
been acknowledged by his stroogeel
Iopponeats. Foirfi-!d will donbtlew
be well reprcseated in Colatnbi* next
Thursday.
McKIXLET, THX FLOP PER.
So many speeches have bean made
on the RepnbJican alrg'e gold cuna&ra
that we cannot begin to read all of
them, bnt we have been specially in*
tereated ia the speech of Congressman
Bates, of Tennesste. He shows how
inconsistent the Republicans have
been.
For instence, Mr. Blaine in flee
Fifty-fifty Congress a?ed thi? lau
ttrtavp r
" "The ieaticction of silver as money
and establishing gold u the sole unit,
of Talue mutt bate a ruineas effect oe
all forms ef property. except those investments
which yield a fixed return
ia money. These would be ttiormotuly
enhanced in value end would gain a
disproportionate and unfair advantage
overjevery other species of property."
Mr. McKioley'a former position on
the money question ia well known,
bat tb8 following, given by Mr. Bates,
> from the Presidents speech at Toledo,
Ohio, in February, 1891, not so lonj?
ago, mast be especially embarrascief
to him: T
"Daring all ?f Grow Cleveland's
gf years at the head of the Government
he was dishonoriBg one of yoar precinn?
metals?one sf vearown produt*?
?diicrediting silver and enhancing
wmm^ tbe price of fold. Ho
evea before bio iaaugaration in office,
to stop the coinage of silver dollars,
and even afterwards and to the end of
his administration persistently used
bis power to that erd. He was determined
to contract tke circulating
medium aad to demonetize one of the
coins of commerce, limit the volume of
_1 moaey among the people, make money
1 scarce, and therefore dear. He would
have increased the value of money and
diminished the valne cf everything
else?money the master, everything
el?e the servant. He was not thinking
of 'the poor7 then. He had left their
side. He was not staading forth in
their defense. Cheap coat?, cheap
labor, and dear money. The sponsor
and promotor of ttos? professing t > |
stind jsard orrr gthe welfare of the
poor and lowly. Was there eTer
|-:;L mo;^e inconsistency or reckless assumption?"
'Inconsistency"? Why, yea, yon,
i v Mr. McKinler, hare been guilty oi far
greater "inconsistencr.*' "He (Cleveland)
wat not thinking of 'the poor'
iben." Are you, now, Mr. McKiuN-y,
thinking of ''the poor"? If what you
said in 1891 wa* trae, ttive you * r
"left their side?''
Whatever mar be one'* viewt. on the
money question, ire cannot se# howanyone
can respeefc the opinion of
Pre?i.leat McKinley on that question
a? of any ralae whatever. Wbat a
flopper be has been.
THE LAW SUPERIOR.
The Democrat# will very likely wiu
in Kentucky, and they will do ao by
peaceful method*. Tbe Kentucky af
fair forcibly illustrate# how it pays to
keep within the law, and seek one'*
right* isi an orderly and regular way.
The country at large did not admire
Goebel. He wai considered & regular
politician acd tricky, but be had the
wisdom to keep him?elf and his follower
within the letter of the law.
I On ihe other band Governor Taylor
deil?d the law. Unquestionably Goebei
was ?hot and killed by a Republican,
and Taylor tough! to aiake all
out of the advantage ,tbus gained.
| * The killieg of Geebei and the high
handed proceedings of Taylor has enlisted
the sympathy of all the decent
?nd law-abiding people.of the country
with the Democrats. Th<* bayonet
niitn! mlo nnt ?nrinre in tkis
csuatrr. It will terrorize for awhile,
B bat the law ia the tad will surely surmount
it and all those who resort to it.
The conduct of the Democrats ia
Kentucky shoaid encourage all lawabiding
and law-loring citizen to ake
obeer, ana it should teach all othera
?1^^ that it never pays to depend npon the
rifle to rale a people. Up to this time
!?> it appears that Tar lor will hare to
give up. We tske it that the agreement
reached practically ends the
trouble in faror of the Democrat.It
Irs agreed that both parties will submit
to tbe action of the General Assembly,
and that all parties will unite in an
rifort "to brisg about rnch a modifies*
tiun of the election law as will provide
far non-partisan election boards and
fair elections." Tke w*ut oi fair election
if probably at the bottom of all
the tronble in Kentucky, and if the. ?
radical proceedings shall lead to an
improvement in the election lairs, it
will greatly compensate for the dis*
??mm. /. ? 4 Ua Cfflfa T t 1Q
|TI^ uiuuguw upuu mc yv?^
farther agreed that the State troopi
shall be removed from the Stat# capi- j
?*] "at once." The 8fcate iroops hvre
bgen the means by which Taylor has *
usurped the State government, and his j
representatives having consented to c
their withdrawal means a ba^kdow*. i
The law has proved stronger than the c
rifle. I
i
THE CO^trCKATIVK SYSTEM. 1
w Li;.t. a:. _ , f
VT e paimiB [an m-tj ait
from the Charlotte Observer by Mr. 1
D. A. TompkiM letting forih the plan
of tke co-operative farmers' banks, it
is printed for two rets <ns. One ia to
show th*.t building and 1 an awociations
arc absolutely nec v?ary in any ,
town th*t expect# to ?fros\ and as we |
have repeatedly advoci'ed the oryir.i- !
zation of a bailding and lotn a?*ocia- j
tionjn Winniboro wc publish Mr. ,
Toapkios article for the evirlenco it <
contains to show wha< they bare done I
for othar places we jmoimi me
article next that it imy iutere.-t our
farmtrs
* * *
Oar readers in Winnsboro will Gnd
thia %iticle by Mr. Tompkins very '
interesting. He ha? seen a gret?t deal ,
of this world, ami he is thoroughly ac- J
qaainted with the rlementg neceastry i
for the ?**v?lopment of a t' wo. He ,
tells as tbtt Chtrlotte, where he liTe? ,
and which ia one of tt>? most prc^rnelire
place# in the South, owe* a groat
deal of its wouderfal progress to the 1
existence in that plaee of the building
and loan association. Victors to i
Charlotte mmt hare been iuapre*?ed 1
With its attractive cottage;;, snd ia the j
building and loan associations we noa ;
the secret. Every community de- i
pends upon the home. Tb? kind of '
, homes in a eomannur? to a great ? 1
'tent, fix tkt character of tbe place, j
We need more home? in Winnsboro, i
and for the reason* giren bv Mr. j
Tompkins tbe best way to get them is
through the building and lean institution.
We have eaouga banking in- (
Btitalions, wqi-cq r?uiy ci?aic uu
wealth bat exist upon t.hj necessities
of the people. *
* * *
Oar readers amonj* th8 irarmtr* if ill
alse find Mr. Tompkin'e Article very
e?g;e?tlTe. It sonnds practical, and ,
we hope tbat it will at least pat then
to thinking. What the savings and
loan iustitslioQi have been to the
clerks, mechanics and all yeung men
with small inaemes, th< co-operative
fm-mmmyj,} Ka?V-a nDtR thci
jtneral plan iftfgostad ,t*oald do fer
the farmers. Mr. Tompkins' suj* cation
tkat the instalments be mtde parable
in the fall ef each year if a good,
one, and a vary neoeasary one, lor
ifiderthe system of fanning in rue
Sonth that's the only s?ason of 'be
year when the iarmcr bag any mosey.
If one hundred farmers in Fairfield :
Coantj w.onid iQrjn^e^pewwKf
tiv?, whl m iQ a&out seven
years the a?s:>ciati?n would have a ]
capital of $500,000. Ia order to do
this the 109 stockholder? would have
to pay $60 a year, or in other words
each farmor would have to subscribe
Ivi sharer. Bat>U need not take five 1
shares; some might take more, and
some less so that the average would be
five shares for eaeh member. With
a capital of $50,090, tbe concurn could
get all the monev U wanted at 4 o 6
ptr cent. The scheme ia not a visionary
one. It would require determination
and real co-operation to perfect
it, but under proper n&nsg?ment
it will succeed, and it can be done j
right here in Fairfield. It h rce*eljr j
the saving and loin association ap? <
plied to tfee farmer, an4 no'h -.r more, j
iIa DaIin
jiSDog j
| j (
! If so, there must be some j
j trouble with its food. Well ? ,,
. I babies are plump; only the] ,
j sick are thin. Are you sure I ]
i the food is all right ? Chil-1 ]
f dren can't help but grow; j j1
i they must grow if their food 5 *'
| nourishes them. Perhaps a \ j
| mistake was made in the | j<
! past and as a result the di- I \\
j gestion is weakened. If that j J:
! is so, don't give the baby | j j
| a lot of medicine; just use | j!
5 your every-day common =
| sense and help nature a| [
| little, and the way to do | |
I it is to add half a teaspoon-1
jfulof ||l
! SCUM'S s:
| EMULSION |
| to the baby's food three or J j ]
| four times a day. The gain | '
j will begin the very first day j 5
you give it It seems to 5 !
| correct the digestion and j 1
| gets the baby started right | j1
I again. If the baby is nurs-1 !
I mg but docs not thrive, then | ;'
| the mother should take the | !.
i emulsion. It will have a j r
I good effect both upon the 1 |!
j mother and child. Twenty- j 1
z five years proves this fact. 5 ;
| 50c. and $:.<?, ill druggists. | '
5 SCOTT U DOWNE, Chemise, New York. S ;
LIII ?Ml 1 1111?i t lit in 1111 '
1 ,
Mr. George Bishop, ot the Southern j,
Ktilway, waa io rowu o> "ipacia)'* j <
taaioeas Fiidsy. ji
Parasrs Ce-sjsfatife Bails
>B LAV'D LOAJf CKBDIT SOCIETIES.
Imw Farmers May AcqaLr# Credit-*Money
Borrowed on Their tabor as a Basis of
Credit or S?eurity?The Workingmen's
Booses Id Philadelphia,
Baltimore *nd\ Char lot te-BenoSielal
Beau Its of th?
Building and Loan As
gelations.
J. A. Tompkins in the Charlotte Olse: vcr.
Th?re wu a tins wiea it wa?
hoaght that the man who worked for
lar wajes and who had ao aecaasated
property was entitled t> no
;redlt. WebocJy woald ihi*fc of loandg
most? to working n?n wit boat
apital becaute, while tome would
>ay, enough woald not do so, aod to
in exieat to make ioait to the werk g
class alwayi precarie*?. \et it
raaapiro that ander a proper system
he working people, limply upon thfir
abort a; a bes;? of credit or security, i
nnov Knrrftc mftn?V tft ftn eXtMf thlt I
J
be aggregate sam is amply stope^ I
ions and to an extant to bnild block {
ifter block of working men's horaei,:
?e aggregate ceit extending into mil;
ions of dollar*. 3y the aa?e ayateoi
hat the wo' king nan eataeliahes for
iiimaelf a splendid credit for building
i home, he also tarea or accamalates
aeoner. The system ia that of the
building and loan association. Individually
the working man still has
icant credit iu the ordinary way. Ia
tie building aod loaa association hi>
;reuit ts as good a* that of a capitalist
[n Philadelphia where many building
and loan associations flourish there are
' * ? "? ?A .nil
DI0CI8 JbHU -JUUWU uiuva www
miles'of model working men's homes.
Philadelphia is a city of homes and
:hieflj working man's homes. It is
amch the same iu Baltimore. I?. is
:omin?to be ?o in Charlotte, N C.
[a Naw York thore are few building
ma lean awociatfons and r.bere the
work people rent space in teiemen'
tonnes and are more ?r less disagreeibl;
haddied 'ogether.
Tne working men's houses bnilt in .
Philadelphia, Baltimore and Charlotte
ire in ererv resnect model houses.
While I TTfvS draughtsman for the
Bdthieben Iren Compaay I did much
i>pecuiative drawing ia working up
the b?.st plan for a model aad economical
working zbab's home. These
meo in toe chops aad works?machinists,
pattern-makers, moulders, blaekimiths,
roilerc, beaiera and otbari .
who cared to build a home were frequently
given permission by Mr. John
Fritz, the iD&uager of the works, to
bave the plans made in the drafting
roam. Mr. Friiz himself used to .
sometimes take a hand in these plans.
I frequently went home with a machinist
or moulder to hear what his
wife had to say aboat the convenience
or inconvenience of this er that feature
There, was a lot of the best "
% 11 - ?^ % n
raiCDL OQ 10b a no ?iuc M|nuu(u iu
developing tLe best plans and a lot of
housekeeping experience oa the other
hand alio brought to bear. Io going
through Philadelphia one may see
from the train rows apon rows of the
identical houses that were worked ont
at Bethlehem while Mr. Fritz was
manager of the iron works there. I
have no doubt that other designs were
made in otber drawing rooms onder
the direction of otber food men. It
is natural that nnder the same influence
the same general conclusion
as to a model houee should be reached.
Oee of these bonte* was erected at
',L- ? ik. TTa{r
^QJCKfcO a pail VI kUD it vim m ?.
and *as exhibited as the type. of the
ba4 Americaa working: maa'a home.
By means of bailding aad loaa associations
the working man has not
only established credit for himself
bat b9 ha* developed a mods1 home
with every possible feature to ouke
home pleasant and to make hoosekeep
in of Ji^ht for his wife or daughters.
Di'ac-i about Bethlehem these botses
?Va.Ii^W
1VOJ. i j &
[i vis not the parlor alone tb&t wu
kept clean and in cider. The kitchen
wu as h-potlttis as the average rich
mail'* parlor.
The advantage of the building and
loan does not stop when a man hai
bniic for himself a home. .He may
start in on a new series and save
ojoney His i?avi?ga are loaned oat
at interest for his benefit to some other
msu who wants to build a bouse. At
the end of the seriee he draws this
money back in cash* which he may invest
as he like*. The beneficent result?.
are maaj fold. Good homes are
developed and owned by work people.
<nmf> nf thA rf R?ilfa #f a man's labor
while be lives it pot into shape that it
may ?erve hi* family after be ia dead.
Betw homes make better workmen
and better work me* get more and better
resnlla. Br this means American
commerce is vxteoded, for tbe better
article will always have tbe preference
in tie markets of the world. Wburerver
thn buildings and loau prospers
most tkere. the condition of American
labor is be?t **? it is from tbase sec
ti >ii8 that report iraae 23 Ming mom
irve)oped.
Tfce whole **cret of thl? ate of labor
** a ba*i? '-of credit ii that the individual
i* eliminated. The labor of any
9ht wckiag man it i?t a good batii
of credit. But when fifty working
eh8b form a society or a&sociation the
credit ot the ae?oeiation based upon
tbe labor of all is a batii of credit
< ?1 > 1- :?
wmcn, wucrj luugiou, im n ?ti
Liigh perfect. It is like lift insurance.
Tue Mfe of an j one man it a very uncertain
tbing. Yes ibtinsurance compauifc.i
cau tafcp a thousand men and
tig are oar the death rate with great
iccurtcy. On the basis of this average
reeuii isey cai? conduct basinets with ,
jreat profit to themselves and totbe:
*dvactj?je of those who are insured j
The building and loan association J
?ocao>idates, na it were, the labor of
lity or more working people and<>
m^kee a pertec: basis of credit eat of
C?? />?j nrkt^Vk f^frui flArtQFtfalr W A n IH
LA^(U1 ^ V* N'VU T(
b* piaciically ^orthleii. Jim Jones
mi^ht jot be willing to loan 8am
Sulrta fiva do'iars bQt he has ijo obhcc'vfc
to paring five dollar* into a
uuhaing and ?oau association &?d then
ro.at^s no ejection to the a-socia:>wH'
lo?uiac I*, tlong *itb otkerfel \
W ' five te Sam Smith with
. roper **c?ri-y to the building atd
(OdU.
* * *
- * - * -i- l?
JLf nsea t?- r>e tnoagnc rati, 101 auuui;
; aiera barf xutniag that could be j
ui*a?. a bs*ia cn ersdii. It i? stili J
to ogUt so i?i -Ara^rioa. In Germi*?
nt! bcouaco iKe ueopi? bare foaerl
set r.:ffereE?I>. Tas Scotch farmer!
borre-w* money a.. 4 per ceat from j
feiokd under a svtfeaa known at "catb \
: eiiN." The p>*2 is for tix or sight i
''arrners to {ret together and make a j
Mi!, contract Ti'h tome bank for!
whai ir:one? ih* crvdif. part-.erihip
w. i require t-n ?i.c \- ar. The little
in dicate make ttieir own division of
fc * oorrowtd utontj and they anasge
r. nai each mi8 stall ptsdgs for tbe
niViy of the '-rbers. Sometimes aa j
*.!' >gciic and -onorable 5>onng feifow
vi' be aktn ioto one of these credit
wi. hoat any pledge at all
' xccpt the eoiitideBce;th? others tavern
.-is ir.iegrif; aod industry. Th?
sjoU-m natural.'} defelops both Integra
?-ifi industry. In ca*? of bid
Hc?,?.(ch ?% Msinga horse and suffer;
sg fro? sicknsss, the syndicate
D&tUiaih sUada by its member.
At. important factor in this system
is that f-ature of Scoteh banking by
which a bank may issce motey on its
wse:? Ti'is means that they redis- j
:ouf4r phper fo- tnemseives by printing !
and laemng inouey on their notes and J
1111 rillM III Tr~
I j j^pisrat Lon for As - j 3
i sttmtetingfoeToodandfiegufci- \m
' &gth?Sfnmbs aalBoweb a" jfjS
WI twm mm ? ' m 1 ? M I I. _1 I ri 1 &fH
Ij^asiiwai^ig
j Erosjcfes "Di|es ton^Cheerful- ?
tsesagfod l&st.Con tains ndtter %
Ctonp>lorptime wt Mrnf.ral m
1?OT Nicotic.
liL*, 1
I
Wortns'?onH&bns,Feverish- m
uess andXoSS OF SlSZR ?
lac Sin& Signature of tgj
i 1
EXACT copy OF VBAPPBR,
. liw I r-fr&ifP
lllLLli
1 j;
other asset* a* security. The bank can
well afford to loan at 4 ptr cent because
tb?7 b*ve do intereet to par on
rediscounts.
The creiit ? ba?ed, however, on the
idea that the .credit of half dozen or
more men- is Letter by far than theaggre^ate
of the credit of each one of
th*m taien separately;Thfy hayef
upon each ot>er claims and tier by"
wti<*h a f<p'are of one to pay witnoui
good .cause would destroy all social
8tatH8 an J mak? it necessary for the.
delinquent, to leire the community.
# ? ? * . # ? - *
All successful co-operative institutions
must be composed of members
who are neighbors and who in -the
main know" each other -Where strangers
at a distance invite working people
to become members of an alleged
cooperative society it always means
that the distant stronger desires to, or
in the end will, overieacb the bounds
of honesty and the local Working man .
has no redress because he has neither
.rnnorr t/\ ?r-.#nr? fo ern to
Li LUC uui Uivnw; ww ?|tvh?. .?
headqaarters or look after tho officers.
The distant management aho takes
aoneyaway from localities- A local
society keep* the money at home.
Pages upou pases might be written
to show why aud how ail local co-op
eratiye saving*. fund or loan instiiatjons
succeed and are beneficent in
their resalta when made up of home;
people and ,v?h*n their operations'art
conducted exclasktlv at home, proTided
the members or balk of tife
members are working people, (proman
iiiArrh int.q. m*chani'C3
1Q911VU -4 A UtVU) V-?I 7
or farmers). "v^l
- Euliallv. mia&t nmca.* a.'id.tiasreB
written to show why and how-rt*fffiecallea
inter-State institution or tbeobe'
having a widely separated 'membership
and u distant managemeat is
boand to fail in consequence of the
inability ot the member! to watch the.
management. x "j !
The earn of the whole matier if tbgf^
the labor of one working man ifnot a-,
safe basis of credit became of the uncertainty
of the life and health ot any'
individual.' On the other hahd it has
been found out that through the Amer-ican
building and loan association- and
through the German agricultural cO-operative
banks that an aggregation
of working peopie pnta reliable labor
in shape to make it a safe btsi* of good...
Thin miffht be eomoarad to
the case where ao one of fifty small
streams is navigable bat wheie the
stream resulting from the confluence
of them all iB easily aud profitably
navigable.
In the building and loan association
the payments are made weekly or
monthly. This is best for people receiving
wages weekly or monthly. ,
Naturally the farmer can't pay in this
way. Let the farmer make his payments
as follows: Oae-third 15th October,
one-third 15th November, andone-third
15th December of each year, .
these payments to aggregate the installment
for that one year, including
iutereat.
' Tin? if a firmer bDrrows $700 thee
this besides interest would have to be
vni/4 x-nort ftp CIOA in
P?IU -U CCIVM JVi?(W Vfc y.vv
tere&t. Failing to make the.paymenta.
promptly at the dated named the borrower
should be heavily ined.
*'
The transactions between the land
loan companies in the financial ctatres
and the farmers throughout the com- .
A HUSBAND
SAYS:
" Before my *?v. * *;
wife began using r-*\ A Mother's
Friend ?0
she could hardly
get around. X do
not think she
used it for two V-H
months and it is ^
her housework \ \ \
without trouble." \ ?
Mother s Friend
is an externai liniment for expectant
1 1 * i-* "T ? '
moiners iu u^. ^iv99 mwm
strength to attend to their household
duties almost to the hour of confinement.
It is the one and only preparation
that overcomes morning sickness
sad nervousness. It is the only,
remedy that relaxes and relieves.the
strain. It is the only remedy that
makes labor short and delivery easy. I
It is the only remedy that puts the j
breasts in condition so that swelling [
or rising: is impossible. Don't take
medicines internally. They endanger
the lives of both mother and child.
Mother's Friend Is sold by druggists for $1.
Sand'for our fre&illustraRad boolc.
Sk Br&dfiekl Regulator Co., Atlanta, Ga<
]fc
f$\ fif r". k & v P! S
5 $v\ ? * - > >* r. T s; Ph
fpfe-Sr '* Si ? * ^ISM <
For lat'ants anao^iigreiL
fta Kind Yea Haifa
Always Bought
4-h/\ u * . i
OCGJ.0 I'UO /A / 33 I;
Signature \
VT
51 lF ..The.
my* Kind
\j You Have
Always Bought.
try have been very unsatisfactory on
both 6ides because of expenses like
communion*, attorneys' feet, inspectors'
feec, etc., whicb always had to b?
paid by the farmers besides the interest.
Then in turn the farmer feeling
that he was being swindled Anyway
and having no restraining moiifes as
to ihe distant os-r.ey lender would
often make gross misrepresentation*
as to the ralae and charactsr ot tna
land
Now if a local co-operative society
or association or baak is formed, then
this institution as a whole could accamalata
money by saving* of its own
members to be loaned in town on good
security to those of its members who
wished to borrow and the society could
OVCD uurruw UiUIiO^ liumj uicrugj vt 11tres
for use in loaning to its members
to mutual ad/aatage jast at local bazjki
now borrow monty in New York on
an aggregation of farmers' notes.
People are naiurally incredalous of
any proposition'to extend credit to a
poor - farmer. Those acc?itom?d to
deal with the individa&l farmer are
more or less timid about him in all
money transactions. "You will never
jet the farmer to pay promptly;" r<the
farmers won't co-operate, not tven
with each other." These are the sort
ojp expressions that are made about
establishing credit amongst farmers.
These pauae thinars were tra9 aboni th?
individual working man whose credit
is now so good in the building and
loan association or before be iearned
the value of co-operation and how to
co-operate. Part of the -farmsro' deficiencies
are because he has been
swindled 8o_much bv different kinds _
or money lenders. Vvhen the working
man found himself honestly dealt
with through the bnilding and loan
association be became at ouce a p. uinpt
payer and with a fair chance nearly
very man is a good payer.
Select ihe ?..ik ?; farmers and make
reasonable conditions as to credit and
ne can be made a prompt payer al-o.
In Germany this is already done.
The German farmer ha? not only become
a good payer through the land
loan or co-operative farmers' bank#
but tbroach tbe same basks he La?
saved mouey and become pro.speroifs.
When these farmers co-operative banks
were first organized in Germany they
had to borrow money from tht r*gnl*r
'L ?a l.\on tn lht.1l*
U&UKM IU get U1UU9/ lu iuau IV/
members. At the present time these
German agricultural tanks have enor- '
;mous sums, of mouey accumulated
and actually loan money to the impcriaJ
banks io time of need Like <
the savings banks of Massachusetts
and the building aud loan associations
of Peun?ylvania and North Carolina
these farmer's co-operative banks of
Germany have come to be i he strongest
financial institutions of the oation.
f Farmers co-operative banks can be
made successful 111 this county if properly
organized and properly operated.
It is important ia getting op tbe memberthip
to pick out only those farmers
who are attentive to their bntines* audof
reliable character. Such an institution
could accumulate savings from
its- members and then loan this accumulated
capital to its members. If
in the early (lays of the organization
mora money was required lor tke
legitimate u?e of its m*mber# the corporation
could borrow tbis naoBey on
term* far better th*n an individual
.member could do and tben tbe nunagtcmant
Irnnwintr iia aembers. could
o /
distribute the loans acording to the
local credit of etch member.
* * ?
Ai au evidence of the vaiui of some
credit arrangement for poor people .
the improved condition of the mechanic,
tfhoi* a member of a building
and Joanr.association, should be
noted- ; He live* in a nice house,- Jar
eivn.rir?f.fn r?f f hp average fdrmrr
Bis bouse generally besoms to him
qiiencnmibereii; the farmer'* boose aud
farm i< ioo freqaentlr mortgaged.
The tniechaiiic-goes voluntarily to the
bui ding and loan association to pay
his does; the farmer is careleis aoout
the matnrlty of hia debts. The meaiianic
expects no notice about his
dues and does h??t expect that anybody
will coioe to collect, the debt; the farmer
expects to be dirnued aud iu
some capes eveu txpecta to bare some-v
one come to him to "collect a defci.
Th*ae statements are not made ?imply
to criticise the farmer. I should rather
argue that the farmer ought to hare
better credit and ought to. be more
prompt than the mechanic aDd that
he will quickly acquire these virtues
if g:ven half a chance:- T~be'ccnnpaci~
sou i* made iu an attempt to show that
wuat has been dom? f??r ihe mechanic
in America in the vvav < ! giving him
credit can also be done witfi the farmer
even m?re successfully. it has ali
ceif done ;u Germany. If can
be Uouv here at home. When it is
done tae depressed cuuux iuu ui i?iun
ing wili quickly pass -awaj. Th- poor
farmer will become the pros if us
farmer. The dilapidated houses ..u.,
feac?8 now on the farms will giv way
to bptter outages and bouses than our
mechanics are building for th"m?e ve?
through the building and loan ;.s >? i i
A ti farmprn wi;J arcn'.JsU
< iiyuo. JLX UiUi ivwn <? ? -
iaie mouer as the American mechanics
a-d wai.'ee earners have doi.e in !> ??'
lou, Philadelphia and Cbarioti*-, and
as the farmer in Germany hi.8 already
done. lustead of farmers wa-itiug to
borrow money from the commercial
lanks, the farmer's co-operative barki
vill be reservoirs for savings and will
oan money to the commercial basks
n times of financial pressure.
* * *
A successful movement on tbese
ines would settle many controverted
luestions. it woaia seme ia? con*
roveray about gcrtd and silver as a
>asis of vaiues. It would settle the
luestion of free trade and protec ion,
or it would" soon put ns on an export
jasis with all onr products, agricultural
and manufactured. It ^onld settle
be question of centralization i f capial
in the moner centres, as the farm:r?'
co-oporatire or lan-i loau banks
;ould hare the custody of Ibe bn'k of
;he money at all time?, just as'the
working mati'i sa?in<jg, in the savings
5auks of Massachusetts, make* ihat
;eetion the one where capital is ra'??t
iccumulated and is for hire ch?-*|>o
,8 idle.
The One Day Cold Cure.
Cold ia head and sore threat cured by Kermott's
Chocolates laxative Quinine. As easy to
take as candy. *' Children cry for them."
WOODTTAKD JTJSWS.
Mist Alma King has returned to
Chester after paying a pleasant Tiait
to her friend, Miss Nanaie Brice, of,
tki* place.
Mr. Jno. R. Craig, of Blaek?tock,
v>?? in nnr ?!>wn several days
buying- cotton for Bsath Bros., of
Charlotte.
R. "W. Stewart baa been appointed
to a position iv the railway mail aer- j
vice between Charlotte and Jackaonville.
He will leave at an early dare
to take charge of bis position.
The Southern Railway Company
have placed a larger engine and pipe
at this place, owing to the increase of
bn&ine9S on this road.
Mr. C. S. Brice, Sr., has been critically
ill for the pait few days, but am
glad to say he is couralescing new,
Mre. S. E.Tho?pson,of Blackgtock,
is spending a few day# with her daognter,
Mrs. W. Patrick.
Mr. W. L. Reid *pent a few day* in
Charlotte last week on business.
Feb. 12, 1900. Correspondent.
F?r ver Fifty Tears.
Tvqt nw'c SnnTinv* SYRUP
has beea used for orer fifty year* by J
Millions of mothers for their children
while teething-, with perfect -success.
It soothes the child, softenr the gaau, '
allays a' 1 pain, cares wizia :olic, and j
is the best remedy for diarrhoea. It j
will relier* th? poor iittl* snferer !
immediately. Sold by drajgists is i
every part of tb? world. Tweaty fire
cents a bottle. Be sure and ask for
"Mrs. Winslow's Soothing Syrcp,"
aad take no other kind. 1-1-17
/iT>?*irDVT11l TT VKf
The people of this neighborhood
hire bajuu to prepare their lands for
new crept. The early crops, wheat,
oats and rye, are loeking very promising
at present. S
Qaarterly conference was held at
Greeabrif.r Methodist Chn^ch on the
27th aDd 28th of January, and tbere
were good congregations both da>s.
Key. E. P. Hodges, tbe presiding
elder, was present and gave us excellent
aermoni both days. Rev. J. D. j
Cront ccnld not attend Sanday as hi? '
wife and child were very ill,
Mr. J. D. Dellensy bat gone back to
the grade ia Colombia, and is expected
to itay nn'il it ii finished.
Mr. and Mrs. J. Lv Kobinsoti gare
? piraaiut oclable last Tburtdar tveniog
inhenor of their visiting friend, J
Miss Bessie Bynnm of Columbia. <
* ? * " n -l.i if-.L . 1
Tfie memoers or tsfinei *eioo.iiBi |
Church gar* a hot supper ^11 the game
Digbt at the home of Mr. John LCauthea;
proceeds of same to go to
the improrement of the church.
The farmerc are making despatati
efforts to make a good crop this year,
hoping (o regain the losses sustained j
last ysar from the unprecedented <
drought. Hope tbey may succeed, *s !
th? fchnrt r.ron of ;a.<t ^ e*r was T<-.rv !
discouraging.
' The health of the community ia vfeiy !
gcod.
Saccew to The News and Hekal?.
E'ebruary 10, 1900 ' H. C.
DO YOU GET DP
MII'I'I A V k niTT-> 1\ | AITT #N
Wllfl A LAiTitJ 15AL& r j
Kidaey Trouble Hakes You Miserable.
Almost everybody who reads the newspapers
is sure te know of the wonderful
H ,1 cures made by Dr.
1 Kilmer's Swamp-Root,
f U^rrT 1 g 4 kidney, liver
Ju I bidder remedy.
3 uf eVC; ! js .It is the treat medi
> iri' ' Si cal triumph of the nine\
vX. I * iteenth century; dis-|
. _____ \ covered after years of j
a ijpr Olj. scientific research by
ftlr Dr. Kilmer, the emi- j
(jjIT ; A^"r " nent kidnqr and blad?
der specialist, and is
wonderfully successful in promptly curing
lame back, kidney, bladder, uric acid troubles
and Bright's Disease, which is the worst
form of kidney trouble.
Pi. VIU?'> Cv7?mn.Dn/\t <?- ??.
M Itut I W- <
ammended for everything but If you have kid- :
ney, liver or bladder trouble it will be found
just the remedy you need. It has been tested j
in so many ways, in hospital work, in private j
practice, among the helpless too poor to pur- i
chase relief and has proved so successful in
very case that a special arrangement has
been made by which all readers of this paper j
who have not already tried it, may have a t
sample bottle sent free by mail, also a book ;
telling more about Swamp-Root arid how to
find out if you have kidney or bladder trouble. ,
When writing mention reading this generous j
offer in this paper and ;
end your address to
Dr. Kilmer & Co., Bing- jpg
regular fifty cent and Eomiof Smunp-Eoot.
dollar sizes are sold by all good druggists.
HgS H. . '.ALSAM
u.kS l-^utiflo toa tate.
Jp-JT-.j ?ppoi?:?s i ]i.->H.insrt po?4.
_ CMmctm Pails to iJ??*op? Bray
rdEgJ Hair to <v? ?outhf>l Ooior.
!0K-3 Cure* sk"'-p * k*ir te?is$
?3?.fcn^. -.vijS Dtult^l
Kodol
Dyspepsia Cure
Digests what yon eat. i
? - ? - * * - 3?j.un I
Itartlflciaiiyaigescfitrseioouauuiuua \
Nature in strengthening and recoa*
structing the exhausted digestive ?? '
^aas. It is the lateat dlsco^gjgd digest* '
and tcnic. jno otn^fcrepareKw I
sao approach it in effH3?rv. It la {
staotly relieves and permaneatiyeures
Dyspepsia, Indigestion,. Heartbcm,
Flatulence, Sour Stomach, Kaaaea.
Sick Headache, Gastralgia,Cramps, &b*
all other results of imperfeotdJgwttea.
Prepared by E. C. DeWitt a Co.. C|>l?ogo.
McMAS^TER CO. !
WianSfooro, S. C. J
SALT RHEUIV
Johnston's 1
QUART e
JT8T IEE?
flight Skin Erntiou are a Waralac
The Only safe War Is to Hoe* tho 1
Is the Most Powerful I
Nature, in her efforts to correct mis
ny if m?? lv? frnm flTIIVH
other imperfections on the skin, as & wa
haps tumors, cancers, erysipelas or palm
yon neglect to heed the warning ana cor
Many a lingering, painfnl disease an
simply because these notes of warning
pure By a right nse of JOHNSTON'S 84
Miss Abbie J. Bande, of Marshall, M
"I was cured of a bad hnmor after
doctors and my friends said it was salt r]
and ears, and then on my whole body,
suffered during those fire years, is no us<
I did. I tried every medicine that was
enough to buy a house. I heard JO
praiaed. I tried a bottle of it. I began 1
finished the third bottle I T?as complete!
since. I never got any thing to do me tl
SARSAPABILLA. I would heartily adi
or skin disease of any kind to try it at or
trouble, and was run down and miserabl
made me all right."
The blood is your life and if yon keep
sist disease or face contagion fearlessly,
fails. It is for sale by all druggists, in ft
aCOBZG-AJr UKUO ooac
John H. McMaster & Co.; Winnsboro,S. (
W. M. Patrick "Woodward,?. C.; T. G. Pati
CLOSE'
FOI? CASH
Tide are not buntm
for tbose wbo 1
tobuswttbwev
that are as lo\
can be bouabt
Every one who is up *
I been a great advance in Cotto
kinds. We have many goods'
I We ffer a bargain in a few ps
Dress Goeds at cost to
ter Dress Goods at ci
iot of Ladies' Fine SI
$2.50 and #3.00; price .3
We have many goods pri
price. These are bargains- fo
Come tc
The Caldwell Dr)
..
W=e=? J ' 11
??r
# '|j <11
ol style and wewfll satisfy your <
tittkst expense. Gi&K&Cordc
pjtsiit kather?take yoot diofc
in mxndt&atyotf get the benefi
shoe experience in buying of to J
ate laying otsr plans to scll yi
tongas yoe lfcre. We'd rather
|| all your KtetbaaiUgpfa
|| TfcatineaasifttkpftaafiaD^!
ALSO SEE MY IM]
LS.DIE5' PI
WHEN YOU NEEDJAN^
Q. D. WTI
Hie Easy Running
"uftncrumn"
UUUUIIUVW
The most modern Sewing
Machine of the age, tmbrac
ing all the latest improve
ments. Unequaled for Dura
bility, Range of Work and
Simplicity.
Dealers wanted in unoccu
pied territory. Correspondence
solicited. Address,
J. H. DERBYSHIRE
General Agent,
T% * 7
KICHMON9, VIRGIMA.
I2-28-iy
A PRI6AKA wfll cw CMUliptltas ?U
ii? ntmlufliIilwf ?iiria?. trr<i
/
1 CURED BY
Sarsaparilla j
IOTTLES. * \
HSTEBB.
of SometUnf More Serlou to CoaUb ~ 1
(Earning. Johnston's Sarsaparill* / J
lood Purifier Known. ,
takes, which mistakes have come froat
tors, shocts out pimples, blotches afiB V*
rning thaj; more serious troubles (pel1* v
onary diseases) are certain to follow
rect the Mistakes. "
d many an early death haa been avoided v f
kave been heeded and the blood kept cZ: V?
.R8APARILLA. "> ?
[ich., writes: >ya
suffering' with it for fire years. Th* . Tj
iieum.- It tame out on my head, new 0jk
I wa* perfectly raw with it. What X- | 9
b telling. Nobody would believe me if
advertised to cure it. I spent money
HSPSTON'S SAKS APA BILL A h>xh? 11
to improve right away, and when l~naa -Ph
v cured. I have never had a touch of ijt |j
le least pood tilll tried JOJdLKSXUcro
ise all who are suffering from hnmaff ; j
ice.- I had also a good deal of stamaelt jP
e, but JOHNSTON'S SARSAPARlLL* m
it pure and strong you can positively rip ' ffli
JOHNSTON'S SAHSAPAEILLA neref $
ill quart bottles at only one dollar eadb
PAITT, DBrrnorr, lucu#
T. W. Woodward &Co., Rockton,S.G,;. jJjfl
ick'&Co., White OaK, b. u. .
PRICES 1
BUYER3. 1
"" " .Ag
q drebtt ttabe, but |1
th? 1
pill name prices 1
# as the same |
to the State. J
rith the times knows there has
?n Goods and Domestics of all : Js
of this class at old prices. ?
itterns: , j||?
close out; and all Win- . _ jj
it prices. Bargain in a
loes; small sizes worth J
low at 11.50. -M
nAtv InwAr than factory
CVU HV l? iv?f v* ? --y
r you. J
> see us, J
' Goods Company. J
?I
UICAS If |
Shoes? 1
I S **wayi well, to have an I ?'
. fleet that it costs you no more, IT
" fee- whenthe work-a-day ' ?
shoes arc worn out the extras 2
fall into their place and the new
pair is kept for chsss.
Therms plenty of room for
choke ' j .
jwntasteat -- SEE
Zl-tffaS ^"raflteSok
fcrtf *1T am? ?*the shoes
Jmtwt th,tyo'",ayw/
? < iff
seizsnoes hi
stfottooce. ateyagfeetfhll i
mtlrfaction. |
mense stock of /|
NE SHOES
fTHING IN THIS LINE
JJFORD.
^n__,||j,
Founded 1842.
STJEJF F
f PIMIVUS ^
"Sing their own praise;*9
If you reckon th-> endle-s joy an-i
permanent va n* >ou will ir??i one of ;y
'boss c*?iebra''e<i STiEFF PIANOS^
Tbey are ir.a 'e ?uha>uh?i skill which*
only j ears ot cou?t>i'?i ant! caretn! al~
tenlion i > < ver\ d rnii of ttn-ir c-*t?
* traction can command,
HUn'i MtSavri.
I Tku -f. y~ ? n I _
IAktvn x?/iQ ?c m??* i? uuru^u J VU ^
witk an unuece?saiilv BIG PRICE.
Co?Teni*nt FINE TUNING
i AND REPAIRING. ^
Chas. M. Stieff,
j piaxe ;ha>cfactureb,
baltimore, hd.
Factory Branch Warp-Room, No. 213 Ja
Forth Trvon St., Charlotte, N. C.
C. II. WILY!OTH,Wana*er. j
??? . I I I
MONEY TO LOAN
!%
Oa iMtproT'd F*r*? sscri.ed ky first
M0rtjsj?-?. lnt- rest 3 rcs*t? f.?
iani sot 1?? tban $500, 3 t0 S years.
No (vmwissi-ins.- Borrower (>**? sc slsxj
siiset.
A.. ?. * W. 1) ? F#LAS?.
W: 1 *'
9.
r J#XK B. PALUWt k
11-24 S. C.
/
PRESTON RION, Agent
PACIFIC FIRE INSTANCE C9MPAKY
' 8F NiW YORI.
Solicit? a Suare of the public patron*
ag?.
MS-ly