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THE WEALTH MAKERS
August 29, 1895 wm (COKTl!ll'lD FBOU lT WEEK.) CHAPTER VL A MOOSUGUT BAMBLE. "Then I will take your room for a month, Mrs, Whitford, and pay in ad vance," Elsie heard a voice say, as she entered her foster-mother's house one afternoon. "Toime to pny, zer, when we ha' ad dled it: vor it be a'most as bad to pay aforehand as not at all." 'The word of the righteous is his bond,"snuffed the stranger, whom Elsie WB1TF0KD CONFRONTED IIIM. had no difficulty in recognizing as Dodd, the Hopkinsite. This was the beginning of very bad times for the poor girl: for, in place of the pleasant companionship of the cul tured young schoolmaster, she had to endure the perpetual presence of one she instinctively detested, and who added to her abhorrence by constant unpleasant allusions to her absent friend. To add to her dilemma, the man seemed to have bewitched her foster- parents Mrs. Whitford by a sancti monlous appeal to her easily wrought religious emotions the corporal by a dazzling display of a knowledge of ele mentary geology, with a special bear ing on minerals, which, to his untu- tored mind, revealedta depth of learning bordering on the supernatural. When the cunning rogue told Whitford it was gold he was after, and gold he would surely find, and how he would share his fortune in embryo with his host, the corporal's heart glowed with hope, and he was quite aware that he was entertaining an angel, who would bo a special providence to him in his daily increasing difhculties. Day by day the clouds gathered over the young girl s life; at last the storm burst. "Elsie, lass," said Mrs. Whitford late one evening, "Oi hate to send thee out at this toime o' noight, but thy fey ther's tired, an' I ha' need o' things from the toon. Gan thee must, Oi be afeared." "I will accompany the maiden," Dodd suggested, with a ready smile. Elsie started at the proposition. "No sir. I prefer to go alone." "Whoy, Elsie!" There was a world of reproachful surprise in Mrs. Whitford's tones. "Hoot-toot, lass," broke in the cor "poral, hotly, "the parson's good enough company for the likes of you; get on coat an' start this minute." He spoke as though he meant to be obeyed, and the girl with a sigh made her preparations. As the ill-assorted couple wended their way along the lonely path that led to the city, Dodd talked fluently, re ceiving, however, from the panting lips of his companion but brief responses. In fact she heard but half he said, but suddenly she was shocked into strict at tention: "My dear child," he said, suddenly, "the Lord hath appointed the blessed state of matrimony." Elsie -felt constrained to say some' thing, so curtly replied: "I. suppose so." "And St. Faul says that it is not meet that man should live alone." "Does he?" very wearily. "So for the last few weeks my medi tations have turned toward marriage." "Some lady in Oretown?" she asked indifferently. "Yes, dear child, listen." He drew closer to her as he spoke. "I am not very young, it is true, but Providence has blessed me with perennial cheer fulness of spirits. Youth, you know, is noteverything." "I suppose not." "Youth is indiscreet; youth dissem bles, youth is fickle." "Yet youth is very enjoyable." "In a carnal sense, yes." They walked on a little in silence. Mr. Dodd doubtless meditating on the iniquities of the young. Suddenly he asked: "Do you love your father and mother, Elsie?" "What a questionl Of course I do, "Ana you would obey, them like a dutiful daughter?" "Surely, but what has that to do with your matrimonial projects it was of them we were talking." "Oh, Elsie, can you not tell? Surely those big round eyes of yours are not blind to my devotion? Child, I love you!" " You love tntf the girl recoiled with horror. "Sir, if my father only knew that you had dared to" 'Pshaw;! Your father does know. your mother, too; this errand was all a sham, pot up to afford me the oppor tunity to 6peak to you." "Impossible! "And why impossible? Ah, I see, you still hanker after that seullawag, Grey, whose very acquaintance was a re proach to you." 'You pitiful oowarar iier eyes blazed with passion. "You darling little beauty!" he cried, seizing her in his arms and showering kiwses on her face. "Help 1 help!" she shrieked, in sick ening agony. Her breath came In short, ciioKing . 3 J. A gasps, tlie rocKS seemea to wiun, uu the earth to reel. Suddenly how she never knew a burly form sprang from the shadow, there was the dull thud of a heavy blow, and her persecutor loosened his hold on her and fell with a crash to the earth. "Great CiBsar!" shouted a manly voice, "I guess I've knocked the spots on that coon's beauty anyhow. Here, hold up, my girl; there's nothing to fear now." "Oh, Mr. Wilders," Elsie gasped, clinging to his arm. "I am so glad you came." "So am I." 15y this time the discomfited Dodd had crathercd himself together, his face 13 THE SPOTS I GUESS I HAVE KNOCKED OFF." livid and bruised, with the blood flow' ing freely from a cut on his cheek. "How dare you," he hissed, "strike a minister of the gospel?" "Ha. ha, ha." Wilders roared. "So I've hooked you at last, you sneaking hypocritical, 'tarnal old wolf in sheep's clothing." "I'll have the law of you. I'll charge you with assault and battery, and " "Burglary, infanticide, manslaughtei and arson. Whoop her up, old boy but," he added, sternly, "if you don right here give a better explanation ol your conduct 111 pound the life out ol vou sure as ray names Jack Wilders, "I was simply offering my heart and hand to the maiden, with her parents' full consent. I have been guilty oi nothing more dreadful than snatching a kiss from a promised bride, Mr. Grey." "Why, dod-gast your all-nred Impu dence, your heart! your hand! to a slip of a girl of seventeen at most! Elsie," he said, turning to the trembling young woman, "does this ieiiow speaic the truth?" "I do not know," she stammered; "per haps I was foolish. Oh, take me home." 'See here, parson," vvuders said, much mystified, "I'm goin' to take this young lady back to her parents. The road's free; you can go first or last; but, understand that twos company an' three's none. If you desire to go sky larkin' into a law court you'll not have to run across lots to find me, an' if you ever annoy this girl again, parents or no parents-consenting, it's Jack Wild ers you'll have to-, reckon with, -an' don't you forght it." The baffled Dodd, muttering speedy vengeance, 'slunk away towards the city, and the prospector Ird Elsie up the hill homeward. "You never promised to run in double harness with that cuss?" he asked, ab ruptly. 'No! she answered, emphatically. 'An' your parents did they give him the office, do you think?" Did they encourage him, do you mean? Oh, Mr. Wilders, I am afraid they did." "Great Scott!" The information seemed to reduce the honest prospector to a state of speechless indignation, Presently, however, he ventured: "Say, JSlsie, you an' Mr. Urey were kind of thick?" Yes." So low the answer that even Jack's acute ear could hardly catch it. "Don't think I want to pry into se crets; but if it had been him trying to snatch a kiss on yonder ledge, the lady wouldn't have opened her breathm' pipes so 'tarnal loud now, would she, my dear?" "Oh, Mr. Wilders!" "Don't be scared. I'm Frank's Grey's friend; an' I want to get the right lay of the land before I go ahead." "Mr. Grey never spoke a word of love to me. He does not even know that I I mean that he that is that" "Exactly so a nod's as good as wink to a blind hoss. I see. Now, run home an' have it out with your mother, You freeze on to Frank Grey; he is man as will make his way, an' 1 guess he don't mean to lose sight of the little girl up at Oretown." He bade her good night with a last parting Injunction. Don't knuckle down to anyone, au whatever happens, my girl, remember you've friends in Millie an' Jack Wild ers, so hold your own, an' keep a stiff upper lip." Poor Elsie made a sad mess oi it. when she reached home, ine very worst she could make of the case was that Dodd had tried to kiss her no heinous offense in the eyes ol those Derbyshire peasants, whose ways of wooing are a little rougher than those permissible in polite society. Having once accepted the fact that she was grown out of girlhood, which had been instilled into their minds by Dodd's eloquent sophistries, they saw nothing but foolishness in the fuss she had made over the trifling adventure of the evening, and they were fiercely indignant at Wilders' treatment of the good man. who honored them by de siring to become their son-in-law. Dun mi knaw which sold her bread be buttered on," grumbled Mrs. V hit ford, as Elsie escaped to her chamber. Just as he was going to set that gold mining company afloat," growled the corporal. "Drat that schoolmaster; I wish he d ne,ver shown his handsome face in these parts." What, Grey! Whattens he got to do wi' it?" "Why, I heard," said -Whitford, stol idly, puffing his pipe. "Why, I heard as there had been a sight o' talk about our lass an' him, an' that the school- board had something to say about it nay, I heard as he had to leave for car ryin' on with Elsie. They kept it mum, but there was a big fuss made about it." "It be all my fault," moaned the un happy woman. "Oi kep' the lass i' short dresses when her ought to a wore long gownds." As she spoke the door opened and a figure glided into the room. It was the pastor. His clothes were soiled and torn, his face was ghastly; a more limp, dirty, disreputable personage it was difficult to conceive. So comical was his appearance that the corporal, who possessed a strong vein of humor, could, notwithstanding his awe for the sacred personage, scarce keep his coun tenance. 'Been in the wars, sir? Never mind, a little soap an' water 'ull soon put ye to rights. A little, vinegar 'ud be a good thing for your cheek, if it wasn't so broken and " "llowd thy tongue, mon," the dame interrupted; "let his reverence change his clothes, an' Oi'll fettle un upwi' sweet yerbs." "Dear friends," Dodd groaned, "you see my plight my bodily suffering you can appreciate, but who can picture the agony of mind I endure?" "Who done it?" asked the corporal, though the sly dog knew well enough before he put the question. "That son of Belial, Jack Wilders." "Well, parson, I reckon you left your mark on him?" "No. I am a man of deeds, not blows; and mark me, Mr. Whitford, that man shall wash away these stains with tears of anguish." Such a diabolical expression shad- owed Dodd's features as he breathed this threat, that the corporal shud dered; but he could not quite under stand any condition in which a man received a blow and did not re turn it; and, from that moment, he be gan to see flaws in his idol. T0 BB OONTI,IITED.) CHURCH AND STATE. The Position of Catholicism Defined by Father Jielford of Brooklyn. Plattshuhg, N. Y., Aug. 20. The fourth annual session of the Catholie summer school closed last evening when the Rev. John S. Belford, of Brooklyn delivered the sermon on The Church and the Republic." He said in part: The true church must make its members good citi zens. The Catholic church is the friend of every legitimate govern ment but it is independent of any. No doubt the church, like man, finds one form of government more favor able to its interests and discipline, but she succeeds under all and she helps all by teaching obedience to authority, and by fostering every good gift with which God has blessed man. She recognizes no divine right to rule independent of justice or the will of the people, and she teaches that when rulers become unjust and cease to regard the rights of the peo ple they become tyrants, punishable by God and by the people. I he church can not interfere with the state, but she can say that a law is unjust and that it may not be obeyed. In judg ing the church for the things done in the middle ages, we must not separate her from the age or the state of soci ety. Enemies of the church do not hesitate to say that she saved Europe and that she was lhe only moral power in the world. The church looks upon the American republic as a legit imate government, she approves its constitution, but she does not say that it is an ideal government. She be lieves it is impossible to conceive a government in which church and state will remain distinct, but in which the influence of religion will be more felt and its rights more respected. This is the sense of the late encyclical of Leo XIII. to the bishops of the United States. She cannot obey any law that makes marriage dissoluble except by death; she cannot but , protest against any system of education that teaches errors, or fails to teach religion; she holds that there is no more right to spread the poison of error than the poison of disease, and she holds that the state should .control the speaker and writer of evil as well as the maniao and leper." Statu or Ohio. City or Tolido, ) LUCAS Cot'NTY. Fbani J. Cbfnkt makes oath that he Is the senior partner ol the Arm of F. J. Chenky A Co., doliiK business In the City ol Toledo. Connty and State aforesaid, and that said Arm Kill pay the sum of ONE HUNDRED DOLLAH3 for each and every case ol Catarrh that cannot be cored by the one of Hall s Catarrh curb. FRANK J. CHENEY. Sworn to before me and subscribed in my presence, this 6th day of December, A.D. 1886. ikal A W. GLESON. Notary Public, Ball's Catarah Cnre Is taken internally and acts directly on the blood and mncons surface ol the system. Send for testimonials, free. F, J. CHENEY A CO.. Toledo, 0, l-Sold by Druggists, 75c i GOVERNMENT BANKING. Tb Only True Solution of the Money Ques tion and the Only Way to Destroy In terest. The benefits that could accrue to the people from government banks are very great We first opposed govern ment loans, then was converted to the doctrine. This was fifteen or more years ago. We opposed government banks less than ten years ago, but now believe that government banks would be a blessing so great that we cannot at present comprehend the full extent of it Within a month it has occurred to us that if the government did the banking, it could construct, without taxation or the issuance of bonds, a vast railroad system. In order to partially disarm prejudice in the mind of the reader against pub lic loans, we will here state that this county and many other counties in this state have for years loaned to the people public school funds arising prin cipally from the sale of certain swamp " lands and sixteenth sections donated by the government. This fund is known as the school fund principal, and is perpetual, only the interest to be used. The fund in this county now amounts to $140,000. It was loaned for many years at 10 per cent, and now at 8 per cent, that being the contract rate in this state at the present time. Perhaps as much as $300,000 has been paid to the county as interest on this fund. This was divided yearly among the various school districts and took the place of that much taxes. The money is loaned by the county court, the members of which get $5 per day when in session. Not to exceed $300 yearly of their salaries is on ac count of time spent in connection with the school fund loans. The borrower keeps the money as long as he wants to, provided he pays the interest and keeps the security good. This is one branch of the banking business that the government of this county is en gaged in the business of loaning money. There is another branch oi tne DanK- mg business ueing carried on Dy xne people in this county and in all coun ties in the United States, and that is the business of buying anil selling ex change. Our post offices government institutions do "that They sell money orders, which are practically the same' as a bank draft, and they also cash money orders. Now, there is only one branch of the banking business that the government is not engaged in here in this country and that is receiving deposits from the people. Private banks do that. Our national and state banks, owned by individuals, receive the people's money on deposit, usually without in terest. They loan these deposits out. The banks now have loaned deposits to an amount much greater than all the money in the United States. This is made nossible in this way: B de posits 81,000 in bank; next day C bor rows $1,000, draws it and pays it out in the neiffhborhood. The people to whom this money is paid deposit in bank or pay it to those who do. It gets back to the bank and next day D borrows it D leaves it in the bank, the banker gives him no money, just simply credits him with $1,000 on the books and D checks against his credit. The persons to whom he gives checks leave the money in the bank or if they take it out it gets back in a day or two, if not the same day. There is no limit to the loans it may make except that experience in bank ing has taught the banker that he must keep a reserve in cash equal to 15 to 25 per cent, of the deposits to pro vide against an unusual demand for actual cash. The government should establish a bank with one or more branches in every county. Other banks might be prohibited if deemed necessary, but we believe they could not compete with government banks and would volun tarily retire from the business. From the best bankers in a county could be selected men to run the government institutions Government banks would be the fa vorite depositories. Depositors would be absolutely safe and bank runs and bank panics would be a thing of the past. There would be no end to the amount of loans these banks could make, for should there be an unusual demand on any branch for actual cash, other branches could supply it In case of private banks this cannot be done. It is true a "private bank may borrow upon the notes it holds, but it cannot always do so, and just when it needs the money, most is the time it cannot borrow. Suppose a private bank with $100,000 denosits and $20,000 in actual cash is called upon by depositors tor as much as $50,000 actual cash. It tries to bor row upon the notes it holds and failing in this must suspend. With a govern ment bank if there was a demand for every dollar of deposits in any branch or in a hundred branches for that matter, cash could be transferred from the other branches. The depositors would alwavs be safe and always be sure of getting their money any min ute they should call for it With pri vate banks panics are possible; a little scare a false alarm, and half the banks suspend. Depositors cannot get their money, and what is worse, busi- ness men cannot get loans auu, as a . . . consequence, fail. With government banks the only limit to the amount of loans would be the amount of security. The money loaned one day, if the borrowers did not leave it in the bank, would get into the bank the next day in the shape of deposits, and could be loaned again and so on day after day, month after month and year after year. With the whole banking business under its con trol, the government bank could make loans amounting to twenty, thirty or for forty billions of dollars. With a government banking system the government could at any time con struct twenty-five thousand miles of railroad without taxing the people or selling bonds. Congress could author ize the banking department to loan to the railroad department $250,000,000 with or without interest The rail road department would take a credit in the bank for that sum and any branch would honer its checks. The money paid out in the construction of the railways would promptly find its way back to the bank and could be re loaned. Through this system this great society known as the United States could employ a portion of its workers in making public improve ments, and they be paid for the labor in an equivalent of the products of the other members of the society, the money they would get being in effect a certificate that they had performed the labor and were entitled to an equivalent The railways con structed, the charges thereon for transportation could be fixed so as to pay operating expenses, repairs and in easy installments, the money or credit borrowed from the banking department. Thus the road would be paid for and belong to the people, and why should it not as long as their labor bunt ivi mere is no limit to the amount of public improve ments that could thus be made, except the limit of laborers. Of course it would not be well to withdraw too much labor from field and factory, but the 2,000,000 men now practically idle could be given work and they could build and equip 25,000 miles of railway a year and construct a vast amount of other public works. If railroad projectors and owners had been perfectly honest in building and operating the roads; had they not cor rupted anybody and had they charged only sufficient for a reasonable profit upon the actual investment, railroad construction would probably now be no further west than Ohio, provided, of course, the government would have re fused to construct. But had the gov ernment taken banking and transpor tation in charge as public matters, the railway mileage could now be double and every mile belong to the govern ment and free from debt Besides enabling public improve ments government banking would be a source of great profit If it was deemed proper to make the interest rate as high as 4 per cent, the tax as sessor and collector might be dispensed with, at least a large portion of the expenses of ' national, state and local governments and public schools could be paid with the profits from banking. Even with an interest rate of 2 per cent a lara-esum would be made which could be applied on the expenses of government Probably the feature of government banking that would be most appre ciated would be the low rate of inter est arid the removal of fear cf sudden foreclosure. A private loaner may de mand his money for the simple reason that he knows the borrower cannot at that time raise the money and he will be able tq get his property at a song, To the honor of money lenders we want to here say that this is the excep- tion it is not the rule. Most money lenders do a legitimate business and are satisfied as long as the interest is' paid and the security kept suffi cient Again the money lender sees better investments, or wants to get his money into a few large loans, wants to buy bank stock or has some reason why he must have his money. On many loans the original time has expired and the loan is practically on call and payment is liable to be demanded at any time. Even when the borrower knows years in advance when he must pay often he cannot get ready without a great sacrifice. The mortgaged man is in hot water and he and his good wife grow prematurely gray from the fear of losing their home. A govern ment loan would run as long as he wanted it to if he would keep the small interest paid and the security sufticient What obiection can be brought against government banks? Too much power in the hands of the govern ment? Would not there not be less political power in the banks then than now? And cannot the appointive power be taken away from the presi dent and placed nearer the people? Government banking1 would make interest a distributer of wealth Every dollar of interest received would belong to seventy millions of people. Under the present system of private banking interest is a concentrator of wealth. Through it vast fortunes are gathered by the few. A man of medium ability starts early m life loaning a few dollars, and by the tremendous ac cumulative power of compound inter est is by middle age possessed of a large income. He leaves the strong armed, energetic, economical farmer away behind; he outstrips the enter prising and successful merchant; the talented lawyer and doctor are not in it compared with him; the skilled me chanic, whose handiwork as shown in our great cities is so much admired, is a pauper compared with him. Early in life he sits back in his easy chair a king, a tyrant if he is so disposed. His children, without a lick of hard work, start out in life rich, whilst other chil dren, the sons and daughters of the best and most enterprising citizens, start with comparatively nothing, and must hew out their own road, made all the harder to do by reason of the great concentra tion of wealth into the hands of a few by reason of interest. Here is a man of 50; oh, what a worker he has been; head on his shoulders good enough for a president; how saving he has been; how much self-denial has he nraeticed. He feels that he has suc ceeded in life when he compares his possessions with those of . his neigh bors, until the comparison reaches the money lender, and then how little and poor he feels. With all his work and saving- and planning, and we might say scheming he has only a dollar where the money lender, the man of very common .abilities, has ten dollars. There would be great satisfaction and encouragement to industry if the busi ness of private lending was superceded by public loans. It is only a matter of a few years, if private lending con tinues and government loans are not provided for, when the money lender! will own practically all the property in the United States. A brief glance at a comrjound interest table will satisfy anvone of this. Put this paper down as an earnest advocate of government banks. Mis souri World. The Sioux City and St. Paul ICoute Is the Northwestern, the only one-line route. o transfers. IS a delays, alorn- i innr and nftprnnnn trftinM ins to Sioux City. :y tteaucea rouuu trip raiee u dl. iuui, Duluth and other places. City office 117 V fit i nth fitrmt. ! Wa AW ayvv w OAR National Encampment at Louisville. Ky The Burlington will on September 8th to 10th sell round trip tickets, via St. Louis, at $18.35; via Peoria, $19.35; via Chicago, $20.40, good to return un til September 25th. For full information apply at B. & M. depot or city office, corner 10th and 0 streets. G. W. Bonnell, C. P. & T. A. Dr. Miles' Nervb Plasters cure EHEtJMA T1SM. WEAK BACKS. At druKKists. only 25c. Buy "Direct From Factory" Best MIXED Paints. At WHOLESALE PRICFS, Delivered Free. For Honsrs. Barns, Roofs, all colors, and SAVE Middlemen's profits. In oae 61 years. Endorsed b.r Urasp and Farmers' Alliance. Low prices will surprise yon. Write for samples. O. W. INGERSOLL. 253 Pljmonth St., Brooklyn, N. Y. YOU ARE OUR AGENT. For a Club of Five yearly sub- scribers we will give a Year's Subscription to the person send ing it. Send for Sample Copies and work among your neigh bors. Address, THE WEALTH MAKERS, J. S. HYATT, Bus. Mgr., at Lincoln, Neb. Scott's . . Carbo-Digestive Compound. Positively the One Remedy for the treat ment of Nervous Exhaustion, Simple and Aggravated forms of Dyspepsia, and Palpitation of the Hearts Does your food sour after eating? Are you easily confused and excited? Do you get up in the morning tired and un refreslied, and with a bad taste in tha mouth? Is there a dull cloudy sensation, at tended by disagreeable feelings in the head and eyes? Are you irritable and restlessf Does vour heart thump and cause you to gasp for breath after climbing a flight of stairsf Does it distress you to lie on the left side? Have vou impaired memory, dimness of vision, depression of mind and gloom, forebodings? . Thase svmDtoms mean that you an suffering from Dyspepsia and Nervous Exhaustion. 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