The Birmingham age-herald. [volume], July 11, 1914, Page 3, Image 3

About The Birmingham age-herald. [volume] (Birmingham, Ala.) 1902-1950

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BULK OF BUSINESS
Pay Rolls Make Up Chief
Cash Transactions Over
the Bank Counters
FACTS SHOWN BY
REPORTS OF BANKS
Use of Checks Is Growing Constant
ly—Many Households in East
Now Pay All the Servants
by Check
B j HOLLAND
New York, July 10.— (Special.)—From one
of the larger banking institutions of New'
York there issued a day or two ago an
appeal for friendly assistance of a pe
culiar kind. For some special reason
there wias need of a large amount, many
thousand dollar* in all, of gold cert 111
caffcea of the denomination of $600. The
Institution which called upon its friends
tor assistance In this matter possesses
very large resources and is one of the
strongest banks of the United States.
There most, therefore, have arisen some
■pedal or exceptional occasion involv
ing the need of gold certificates of this
dknoffntn&tlon. It was possible through
Go-operation to give this aid.
The Incident hae called attention. In the |
form of contrast, to the object lesson
which hr fcrrnfctbed In the statements of
banks made as of June SO to the comp
troller of the oarreooy at Washington. It
has sometimes been spoken of as some
what significant of a special desire of the
comptroller to obtain at this time detailed
Information respecting the condition of
the national banks that there should have
been a request of this Mind made recently
by him. The surmise has been that the
information would be of great value for
those who are speedily to organize the
federal reserve board and the reserve dis
tricts.
It is. In fact* no new thing. Comptrol
lers of the currency long ago began to
ask the banks to submit detailed reports
so that the department could be able to
secure accurate infoimation respecting
banking methods. The comptroller of the
4 currency has now done no more than
j follow the example set by one of his pred
( ecAssors, although the information that
J will be obtained is sure to be of timely
I vulue.
The striking feature of the report of the
leading bunks of New York city and,
presumably, of all the national banks, is
the evidence which will be furnished of
the fact that almost nil of the banking
business of the United States is carried
on by means of checks, drafts or similar
negotiable Instruments. When the of
ficers of the Clearing House association
made their report a year ago of the ag
gressive amount of the exchanges which
were made in the institution for the year
they were able to say that only about 6
per cent of the stupendous total, reaching
f far up into the billions, of the year’s
U transactions represented payments in
fcash. Practically the entire transactions
l of the clearing house, transactions which
f reflect directly or indirectly no small part
of the business of the United States, were
perfected by means of an exchange of
credit. In fact, from one point of view'
they were all thus perfected for the cash
that was paid In. about 5 per cent of the
entire amount, was in large part repre
sented by clearing house certificates, and
these are really nothing more than drafts
upon the gold held in the clearing house
vaults.
Five Per Cent Cash
The president of one of the larger
banks of New York was asked this morn
ing if the daily transactions carried on bv
his bank showed about the same relation
between cash and credit, represented by
checks or drafts, w'hich the clearing house
report showed. In reply he said that cer
tainly 95 per cent, possibly a little more,
of the transactions daily carried on by
his bank were represented by checks or
drafts and that not more than 6 per cent,
and often less than that, w'ere represent
ed by actual cash. After standing for a
half an hour In front of the receiving
teller’s window, w'here there was oppor
tunity for observation of the deposits
which were received, it was made evident
that by far the greater amounts of these
deposits were in the form of checks or
drafts with occasionally dividend coupons.
What is true of this bank is presuma
bly true of almost all the banks of the
United States, both national and state.
The larger banks of New York city fur
fish evidence in their detailed reports
to the comptroller of the currency, state
ments made under oath, which illustrates
the magnitude of the utilization of checks
j or drafts. The greatest of American
' banks, which now possesses resources of
over $350,000,000, ranking it with some of
the great joint stock banks of London,
possessed among its resources on June 30
Instruments of credit, presumably checks
or drafts and exchanges for the clearing
house of approximately $50,000,000, and
among its liabilities were certified checks
and cashier’s checks outstanding aggre
gating $16,000,000. The comptroller of the
currency will have no difficulty in reading
behind the formal statistical statement.
He will see that by far the larger part of
the resources of this institution, exclusive
of bonds and various securities and exclu
sive of the banking house property, is rep
resented by checks or drafts. He will be
able to learn that much the greater part
of the business carried on by this institu
tion is facilitated by the use of instru
ments of credit.
A careful scrutiny of the various re
ports which the comptroller will receive
from all over the United States will show
him that the amount of cash utilized in
carrying on business in the United .States
DOCTOR ORDERS
RESINOL FOR
BAD RINGWORM
New' York. March 9, 1914: “A rash
formed on my forehead and commenced
spreading. It was a ringworm. The
Itching and burning which I endured
for four months before I commenced
Using Resinol Soap and Resinol Oint
ment were terrible. All my classmates
kept away from me In fear that they
would catch it. 1 used every home
remedy I could think of, but with no
success. My family doctor advised me
to use Resinol Soap and Resinol Oint
ment. The moment I applied them I
felt a cooling sensation which w as last
ing^—the relief was quick. I used two
jars of Resinol Ointment, and Resinol
Heap, and was finally rid of the pest.
L Today there isn’t a single mark to show'
■where 1 had the • disease. (Signed)
WM- G. Ross. 273 Church St.
Resinol Ointment and Resinol Soap
are also speedily effective for eczema,
pimples, blackheads, dandruff, sores
and many forms of piles. Sold by all
druggists. For trial free, write to
DGpt 27-K. Resinol, Baltimore, Md.
RUMORED L. & N.
MAY ENLARGE SHOPS
Additional Land Adjoining
New Decatur Property
Being Sought
Decatur, July 10.—(Specittl.)—What
seems to be a well founded rumor, says
that the Louisville and Nashville Rail
road company will soon purchase 25 acres
of land from the Decatur Land company
near their shops in New Decatur. The
rumor has it that the Louisville and
Nashville intends to increase their yard
trackage and extend the repair shops and
that this land is necessary for these Im
provements.
While the rumor cannot be verified it
seems to be true from the source of' the
information at hand.
An addition is being built to the plant
of the Quality Laundry. A number of
new machines will be installed and the
plant greatly improved. With the new
additions the plant will be worth $15,000
and will give employment to about 25
people.
A light rain fell last night, which great
ly refreshed the growing crops of this
part of the state. However, it will take
a. heavy rain to break the drouth which
has done much damage to the crops of
this section during- the past three weeks.
HOirSE WARMING IN
NEW COURTHOUSE
Hnntsville Chamber Preparing for
Dinner and Campaign
Shortly
Huntsville, July 10.—(SpeciaL)—At the
monthly meeting of the Chamber of Com
merce last night arrangements were made
for a dinner which will be given within
the next two or three weeks in the new
county courthouse when the business men
of the city will be invited to attend a
house warming In the magificent new
building.
That win be the beginning of a fall
campaign for new members, during which
it is hoped to increase the number of
members to at least 300. The report of
Secretary Frost showed that the organi
zation has been very active during the
summer months and there are several
fine prospects in the way of new in
dustrial enterprises.
Orvy Patterson, a 10-year-old son of
County Commissioner J. M. Patterson,
was kicked in the face by the family
horse yesterday and one eye was knocked
out
Reports from over this section say that
the drouth of nearly four weeks was
broken last night. Some scattering show
ers fell Wednesday night, but it was not
until last night that the beneficial rains
came. A gentle rain fell for nearly four
hours.
CONVICTS CAUGHT IN
ABANDONED HOUSE
Leo Gilbert and Will Jones, Who Es
caped From Penitentiary Tues
day, Recaptured
Montgomery, July 10.—(Special.)—An
nouncemcnt was made by the state con
vict department today that Leo Gilbert,
and Will Jones, the two convicts who
escaped from the tuberculosis hospital
at Wetumpka Tuesday evening, were re
captured at midnight last night. The j
men were captured in an unhabited build- I
ing, where they hail sought a refuge
to sleep.
Gilbert had a bullet wound in his side
which he received when he ran away
from the guards. Jones was unhurt. Gil
bert was sent up for murder from Cal
houn county and Jones was convicted of
murder in Morgan county.
WHITAKER HEADS
TICKET IN GIRARD
Municipal Election Will Be Held
the Second Monday in
September
Girard, Juyl 10.—(Special.)—A mass
meeting; was held at the home of Capt.
W. C. Whitaker last night and a complete
ticket nominated for all city officials to
be elected on the second Monday In Sep
tember. W. C. Whitaker heads the ticket
for mayor with 8. Barnes for treasurer
and J. P. Marchant, present mayor; John
Tllhman, Tom R. Garrett, John Seigler
and F. M. Harrison for aldermen.
Wash McCoy shot and killed Sidney
Regley on the Biekerstaff place just south
of the city last night. Family trouble is
said to have been the cause. All parties
are negroes.
is trifling compared with the utilization
of credit in the form of checks and drafts.
The Growing Use of Checks
Several years ago William Sherer, man
ager of the New York Clearing House
association, said that he had observed a
marvelous Increase in the utilization of
checks not merely in carrying on trans
actions with banks or between business
houses, but also in the smaller affairs of
life. In New York city It is becoming
more and more the custom of those who
employ servants to pay them in checks
and that custom is extending to the sub
urbs. Mr. Sherer furthermore said that
the larger part of the actual, over-the
counter cash transactions carried on by
New York banks represented in each in
stance a small amount of the money,
such, for instance, as a person might
want to use in shopping. A large amount
of cash In the aggregate is paid over the
counters to employers for the purpose of
meeting their pay rolls, and this in the
aggregate undoubtedly represents the
chief over-the-counter cash payments
made by New York banks in the course
of any one month.
Another feature of these detailed reports
which will not escape the observant eye
of the comptroller of the currency is to
be found In the continued flow of credit
in large amounts to New York city from
the Interior. These credits are repre
sented by checks and drafts and other in
struments. Comparatively little actual
cash finds Its way to New York. There
fore it is to be presumed that whatever
the other effects of the new national
banking law may be there will continue to
flow to New York, irresistabiy. a great
volume of cedlt in the form of checks
and drafts. One of -.ie bankers of this
city has made an estimate that not more
than 1 per cent of the movement of tunds
from the interior to New' York is in the
form of cash. In crop moving times there
used to be a large demand upon New
York for actual currency, particularly in
1.111s of small denomination, convenient
for paying the wages of farm hands. But
the great increase in the use by farmers
of local banks has tended considerably
to check this demand, since the local
ranks in the great agricultural areas are
able to meet the demands of the farmers
for small bills.
The great object lesson which will be
discovered by the comptroller in these
detailed reports is the constant increase
in the use of Instruments of credit like
checks or drafts. This is an employment
of credit which is not paralleled either in
Great Britain or on the continent of
Europe.
Dora, Cordova and Other
Towns Want Limiteds
Stopped There
Montgomery, July 10.—(Special.)—Argu
ment In the care of the St. Louia and
San Francisco Railroad company against
the state railroad co nmission. Involving
additional passenger service at the towns
of Dora. Carbon Hill, Cordova and Sul 11
gent, was heard by Judge Gaston Gunter
in the Montgomery city court Thursday
morning. The rallrmd commission was
represented by Attorney General Robert
C. Briekell and the railroad company war
represented by Forney Johnston of Bir
mingham.
The case is one of long standing, and
grew out of two orders of the commission
for additional train service at those
places. The first order was made to re
quire the railroad company to stop trains
Nos. 106 and 106, running between Kansas
City and Jacksonville, Fla., at the places
above mentioned. A second order of the
commission sought to compel the car
rier to, operate an additional passenger
train between those places.
The railroad immediately secured tem
porary restraining orders to prevent the
enforcement of the commission’s order,
and the hearing today was on the merits
of the case. Judge Gunter took the cuse
under consideration and will announce his
decision within the aext few days.
SPEIGHTTO PRACTICE
LAW IN THE THIRD
Defeated Congressional Candidate Re
signs Position in Washington to
Follow Profession
Eufaula, July 10.— (Special.)—J. J.
Speight of this city, who was defeated for
Congressman Henry D. Clayton's unex
pired term in the House from the Third
Alabama district in the election of June
29, Is now In Eufaula making his plans
to open a law office either here or at some
other point In the district. Upon his re
cent visit to Washington he resigned his
position of clerk to the judiciary commit
tee of the House, of which Congressman
Clayton had been chairman, and Is now’
spending a few weeks with his parents.
Mr. and Mrs. J. W. Speight.
The city council at a meeting this aft
ernoon Instructed the chief of police to
enforce the ordinance forbidding bicycle
riders to use the sidewalks.
According to J. S. Grubbs, clerk of the
probate court here, who has been taking
the city school census, there will prob-'
ably bo an increase in this year's cen- J
sus of about 400 over that of 1913, wrhen !
the grand total of persons in Eufaula of
school age was 1606.
Quite a bit of agitation is being stirred
up in the city council over the matter of
flat rates for light, water and gas service
that w’ere granted the mayor and mem
bers of the council last year. It was held
at the time that this grant was uncon
stitutional and ever since then there has
been more or less opposition to the prac
tice. This came to a head today when
Alderman A. M. Browrn Introduced an or
dinance to revoke this privilege.
ERECT $12,000 SCHOOL
BUILDING AT AUBURN
Opelika Contractor Will Construct
New Lee County High School
Building
Opelika, July 10.—(Special.)—B. E. Hud
son, a contractor of this city, has closed
a contract to build the new Lee County
High school building at Auburn at a cost
of $12,000. The specifications call for a
two-story brick structure with a base
ment. Mr. Hudson stated to The Age
Herald correspondent today that the
work on the building would begin at once,
and that the building would be ready for
occupancy at the opening of the Septem
ber term.
It will be remembered that in 1911 the
Lee County High school wras established
In this city, but owing to the congested
condition of the city grammar schcool
some provision had to be made for an
expansion, and Opelika absorbed the Lee
County High school here, hence the
school was moved to Auburn.
A force of hands is at wrork laying con
crete sidewalks llom the city streets
across the Western of Alabama railroad
tracks on the crossings and putting down
gravel.
- #
Light rains fell here last evening and
today, allaying the dust and cooling the
atmosphere, but no material benefit was
derived.
STUDY MUNICIPAL
PROBLEMS ABROAD
Southern Commercial Con
gress Aids in the Work
A LARGE DELEGATION
Will Study City Problems in the
Same Way Rural Credits Were
Studied Abroad Last
Year
By C. E. STEWART.
Washington. July ill.—(Special.)—En
couraged by the results of the European
trip to study rural credits, which added
valuable data to the collection of the
framers of the rural credits bill now
pending l»efore Congress, the Washing
ton directors of the Southern Commer
cial congress will head the American
commission of municipal executives and
civic leaders who have gone abroad to
study urban problems in 10 foreign
countries.
The three Washington directors in
charge of the commission are Senator
Duncan U. Fletcher of Florida, president
of the congress and chairman of the
commission; Dr. Clarence J. Owens,
managing director of the congress, who
goes w’ith the commission as director
general, and Wiliam H. Saunders,
director and treasurer of the congress.
Five members of the board of directors
of the congress will join in the investi
gation.
The United States delegates will par
ticipate in the international congress of
municipal executives to be held in Lon
don the w’eek beginning July 20, and
in the Southern Commercial congress
week at the international urban expo
sition in Lyons, France. Thereafter
they will make an exhaustive investiga
tion of municipal problems,in England,
France, Austria. Hungary. Germany.
Belgium, Holland and other European
countries.
This investigation of urban problems
is to supplement the work of the com
mission directed by the Southern Com
mercial congress last year, which in
vestigated agricultural co-operation in
IS European countries, and was con
ducive to throwing light not only on
agricultural co-operation, but the sys
tem of rural crdelts now enjoyed by
many foreign countries, but which yet
remains to be inaugurated in the United
States.
Prepare Data in Advance
Through instructions from the Sec
retary of State all ambassadors, min
isters and consular agents in the coun
tries these delegates are to visit are
directed to prepare in advance of the
commission’s arrival and for their use
as thorough statements as possible of
municipal achievements and organiza
tions in their respective jurisdictions,
and on the possibility of the adaptation
to the municipalities of America of the
plans followed in European countries.
The state department is of the opinion
that such information is of public in
terest to the United States and It there
fore has directed that duplicate copies of
the reports compiled by the state de
partment's representatives be forwarded
to this government.
The Southern Commercial congress
has on file letters from the American
diplomats abroad stating that elabor
ate preparations are being made for the
American commission along two lines,
first the investigations and reports on
municipal conditions, the business in
terest of the trip, and second for the
official attentions, courtesies, and re
ceptions to be given in honor of the
Americans.
The congress of municipal executives
to be held in London is part of the
Anglo-American centerary celebration.
The conference oil municipal problems
and achievements, especially of Ameri
ca and England, is to be presided over
by the Duke of Teck. brother of the
Queen of England and next governor
general of Canada. The chairman of the
executive committee, to whom the
American commission will report, is
the Rt. Hon. Earl of Kintore, who was
some months ago a guest in Washing
ton and was banqueted here by the
Southern Commercial congress.
The International Urban exposition in
Lyons has set apart an entire week to
be known as Southern Commercial con
gress week. It Is under the patronage
of the republic of France, and under 52
departments every phase of municipal
life Is to be interpreted. «
The commission which is going
abroad under the auspices of the South
ern Commercial congress comprises
3ivic leaders from all parts of the coun
try. The slogan of the congress is "For
i greater nation through a greater
south." It receives a number of commis
sions that are more than south-wide,
lowever. in their influence because it has
;he organization and machinery and zeal :
;o lead in efforts for national advance
ment.
The members of the commission are
Seasonable Savings
At Porter’s
Boys’ Wash Suits Men's Straw Hats Boys’ Wool Suits
Russian Blouseand All stylesandbraids In desirable double
Sailor styles at at breasted styles at
HALF PRICE 331-3%Discount HALF PRICE
Men’s High Grade Summer Suits
$15.00 and $18.00 $20.00 and $22.50 $25.00and $28.00
grades, now grades, now grades, now
$12.75 $15.75 $19.75
$30.00 and $32.50 $35.00 grade $40.00 grade
grades, now is now is now
$23.75 $27.75 $31.75
Everything Men and Boys Wear
1922-1924 First Avenue. “In The Heart of Birmingham."
Senator Duncan U. Fletcher, Jackson
ville Fla.; Mrs. Duncan LI. Fletcher. Dr.
Clarence J. Owens, Riverside, Mil.; A.
J. Matheson. Beiinettsvllle, S. C.; Mrs.
A. J. Matheson. II. E. Byrne, Tyler, Tex.;
Fred H. Begole, Marquette, Mich.; Fred
H. Begole, Ja.. Marquette, Mich.; Dr. J.
H. Eager, Baltimore, Md.; Dr. R. A.
Fritsehe, New Ulm, Minn.; John U.
Armstrong, Pittsburg. Pa.; J. F. Darby,
Muskogee, Okla.; A. R. Farquhnr, York,
Pa.; Quincy A. Kennedy, Wlllston, 8.
C. ; Frank 8. Johnston. New Britain.
Conn.; Eon Is A. Dumond, Chicago. 111..
H. F. Miller. Chicago, 111.; Howard
Woodhead, Chicago; E. C. Mershon, Sag
Inaw. Mich.; Dr. A. Boss Hill, Colum
M'. Mo. Douglas Fiske, Minneapolis,
Minn.; Frederick H. Allen, New York, N.
c; John llilder. New York. N. Y.; .1. \Y.
Jenk». New York, N. Y . P. S. Henry,
Asheville, N. C.; Mrs. P. S. Henry, Prof,
A. K. Hatton Cleveland, O.; F. O. Eutz,
Tulsa. Okla,; A. E. Hall, Muskogee,
Oyla.; Wiliam M. Appel, I^ancaster Pa.;
D. S. Henderson Aiken. S. C.; W. N.
Wiliams, Salt U»ke City, Utah; E. L.
Stooe, Roanoke, Va.; A. J. Parsons, Mo
bile Ala.; Mrs. E. H. Harriman, New
York. N. Y.: Charles Scott, Rosedale,
Miss . J. E. Anderson, Delaware, O.; R.
NT. Cheseldine l^ondon, O.; Mrs. D. S.
Henderson. Rev. E. L. Powell, Eouisyille,
i ' . l.e Roy Hodges, Petersburg. Va.;
Charles Mulford Robinson New’ York.
S. Y.
REMODEL BUILDINGS
FOR TEN CENT STORES
Meridian, Miss., July 10.—(Special.!—-A
contract has been let to C. H. Dabbs of
this city for the remodeling of the Kahn
building, now partly occupied by the
Kress store, which is to take in the en
tire building, and is to cost $20,000, giving
entrances on Fifth street and on Twenty
third avenue. The new store will be oc
cupied by Kress.
The work of remodeling a good portion
Df the Risenbaum building for the use
nf the Woolworth people is to start at an
parly day and the plans call for a hand
some arrangement, with entrances on
Fifth street and Twenty-third avenue,
rhls means the coming of another big
-tore whose prices do not range over 15
ents for any one article.
M. A. Brown, state land commissioner,
vas In the city yesterday and made a
ipeeeh at the courthouse, making an ex
dunation of tax claims involving a large
mount of acreage in a number of the
ounties of the state, some of it being in
^auderdale county.
Structures Belonging to the
Young Estate Destroyed
Friday—Loss $70,000
Florence. July 10. (.Special.) A most
disastrous fire occurred here this after
noon al i!:30 o’clock when a warehouse
hack of the L.ueas grocery store caught
fire and burned rapidly. Everything whh
dry and sparks flew In every direction.
The Young block facing on Court street
caught fire and although the fire depart
ment was on hand at once it t\ as impos
slide to extinguish tiie flames. Several
buildings caught from the sparks. The
Sheffield ftfr* department was rushed to
the scene and the business men assisted
in saving personal property. For awldlo
It seemed as if nil the buildings on Court
and Tennessee streets would burn.
The three buildings which burned be
longed to the Young estate and practical
ly no Insurance was carried. The loss is
estimated at $70,000.
FACULTY CHOSEN FOR
4th DISTRICT SCHOOL
SylacHUga. July 10. (Special.)—The fac
ulty of the Fourth District Agricultural
school has been completed and will be as
follows for the ensuing scholastic year:
Prof .1. K. Chetitham, president, Cal era;
l. !>. l,owia, science and agriculture, Con
trevllle; Opal Mall, mathematics, Bir
mingham; Opal Mall, mathematics, Blr
Hngllsh, Kvlaceuga; Alius M. Pearl Clark,
expression, Abbeville.
Drs. Dozier
& Dozier
Specialists
H. T. IHI/.IKII, M. n. -»'-•(>'<, Pill NT AVBNIIB IIVHO.N IMI/. I KH.ll.O.
Chronic noil licnllo- Bye. Bnr. None and
Urlnnry Illnenncn Hill Ml Nil II A M. AI.A, Tlirout
iitnui oi him im-tui.v «i it i v:, iii'i -
voub, blood, skin, Benito-urinary and
female diseases; also cancer, scrofula,
rheumatism and morbid conditions of
the heart, lungs, liver, kidneys and
pelvic organs of men and women; and
t>y reason of long experience, modern
methods and excellent facilities. ef
fects cures In as short time as possible
md with moderate expense to patients.
r**i s«Mi» w uu nocu K lasses or WHO
have any trouble with their eyes, ears,
nose or throat, are cordially invited
t<* visit our offices and be examined
without charge. The removal of Ade
noids, Poliol. and the skillful extir
pation of diseased tonsils, and the sci
entific treatment of maladies of the
13ye. Bar, Nose and Throat, is a pro
nounced feature of our most success
ful work.
Established in Birmingham, April, 1S90 (gearly 25 years ago; and is one of
the bsst equipped medical institutions in Alabama.
We make no charge for consultation and examination.
We furnish medicines without extra, charge, ami give our patients the bene*
Bis to be derived from M-Rays. Violet Bays, Ruby Light Baths, Medicated Vapor
and Nebulized Inhalations and everything that we can make available for the
speedy cure of our patients. *
606-914---The famous German remedy for Sprgclfic Blood Poison—is scientific
wily Administered by us.
Symptom blanks for men and tvomen sent frc«* on request.
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thru sleepers to Colorado
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Find out how low the fares are to Colorado and how little a vacation there need
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