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CURRENCYSVSTENI New Money Law Displaces 122- Year-Old Code. IS FAR-REACHING IN SCOPE Most Important Law Relating to Fi nance Passed in Many Years —Es- sential Features of the Meas ure Explained In Nontech nical Language.^ Washington., Dec. 23.—The new hill affecting the currency, banking and finances of the country is one of the most far-reaching measures relating to finance that have been enacted in piany years. The magnitude of the subject, the diversity of interests affected and the length of the debates in both branches of congress has to follow the changes and grasp the essentials of this highly technical measure in its important bearings on money, finance, banking and the entire range of fiscal subjects, public and private, which it affects. Summary of the Bill. With a view, therefore, of present ing succinctly and in non-technical language an epitome of the salient fea tures of the measure as finally framed, the following summary is given of the bill as a whole and of its principal de tails: Generally speaking, the first steps to be taken to bring into operation the nation’s new financial system will be through an organization committee consisting of the secretary of the treasury, secretary of agriculture and controller of the currency. Banks have 60 days within which to file their applications for membership In the new system, and one year’s Ume is allowed before the government will compel the dissolution of any na tional bank that refuses to join. Will “Take Up the Slack.” The new law will make little direct change in the operation of the pres ent national banks, except to allow them to loan a certain amount of their funds upon farm mortgages. Its chief purpose is to add a new piece of machinery to the banking system that will “take up the slack” during the changing business condi tions of each year; that will give the banks a place to quickly convert their assets into cash in time of need, and that will bring out new federal cur rency when it is needed, and retire it when money becomes "cheap.” Banks are now required to keep a certain percentage of their deposits as "reserves,” part in cash in their own vaults and part of which may be re deposited in the banks of New York, Chicago, St. Louis and other designat ed cities. In times of sudden financial de mands, when banks have loaned up to the full limit of their resources, these reserves furnish little relief, because if they are paid out to meet demands —the banks are left in a precarious con dition. Basic Principle of Law. The basic principle of the new law Is to get these reserve funds out into 'circulation when necessary without lessening the safety of any bank, and to provide a place to which local banks may rush in a Crisis and get cash for the “prime commercial pa per” they hold in their vaults. This is to be accomplished through a chain of regional reserve banks, or "reservoirs of reserves,” in which all banks shall deposit a stated part of the money they are required to hold as reserves. Under the new system, when a financial flurry comes the banks can take commercial paper, such as notes, drafts and bills of exchange, to these "reservoirs,” and secure the use of their own reserves, or, if necessary, even the reserve of other banks, by depositing this security. The new regional banks will re ceive about one-half of the bank re serves of the country. They in turn will be permitted to loan back to the banks all but 35 per cent, of these reserves, so that in case of emergency millions of cash can be brought out into circulation quickly. The banks will have to pay for these loans, however, as individuals have to pay for a loan from any local bank, and this charge is expected to prevent the too free use of the reserves held by the regional banks. New Paper Currency. A new form of paper currency is also provided for, to eome out in case of emergency, and which is expected to go back into the hands of the gov ernment when times are normal. These “treasury notes” will be printed by the government and issued through each regional reserve bank, and will bear the guarantee both of the re gional bank and of the government. If the derpand for currency in any section of the country exceeds the supply of circulating money a regional bank can secure this new money from the government and put it into circulation; but a gold reserve of 40 per cent, and commercial paper equal to the full value of the note must be held as a reserve behind each note issued. This provision is expected to be the influence that will drive the new money back into retirement when it is no longer needed. Clearly Explained. The following analysis presents the details of the new law without ad hering closely to the technical division or language of the measure: At the head of the system will stand Coming to Herself. On one occasion Dr. Francis War ner was trying to bring back to con sciousness a woman who had had a paralytic stroke. His efforts seemed likely to be in vain. For a long time her utterances were only the ravings of delirium, but all at once she sat up in bed, and’, looking straight at Doc tor Warner, she cried out: “Oh, you funny old man!” “Ah,” said Doctor Warner cheerfully, “now she’s begin ning to talk sense!” —Pearson’s Week ly. a federal reserve board at Washing ton, appointed by the president, and to consist of the secretary of the treasury, the controller of the curren cy and five .other members. Two of these shall be expert bankers, but none shall have banking affiliations or own bank stock during their service. This board will exercise general con trol over the entire system. The temporary "organization com mittee,” or the federal reserve board, will select from eight to twelve cities where regional reserve banks shall be located and will divide the entire country geographically with these cities as the centers of districts. All national banks in a district w'ill be required to subscribe for the stock of the regional reserve bank in that dis trict and to keep a portion of their reserves there. Known as "Member Banks.” Local banks will be known as "mem ber banks” because they will own the stock of the regional reserve bank of their district. Each member bank will be required to take capital stock of the regional reserve bank, equal to 6 per cent, of the member bank’s capi tal and surplus. The capital of the re gional bank will increase or decrease so that it always represents 6 per cent, of the combined capital and sur plus of all the banks of the district that have joined the system. National banks are compelled to join and state banks are permitted to if they bring their reserve require ments up to the standard set for na tional banks and submit to national examinations. \ Public Can Buy Stock. Public ownership of the stock of the regional reserve banks is permitted only in case enough hanks do not join in any district to provide a capital stock of $4,000,000. In such event the public may purchase the stock in quantities limited to $25,000 for each individual, but the voting of this stock will be placed in the hands of govern ment representatives on the board of directors of the regional reserve bank. The regional reserve banks may do business only with their member banks, not with the public, except that certain "open market operations” such as the purchase and sale of gold, gov ernment, or municipal bonds, and cer tain forms of bills of exchange, are permitted. These banks will make their earnings from the loans made to member banks, and from the purchase and sale of bonds and foreign bills of exchange. Must Put Up Cash. Member banks will be compelled to put up in cash only one-half of their subscription to the capital of the new banks, the rest can be called for if needed by the regional bank. Divi dends of 6 per cent, will be paid on this stock to the member banks, and the stock will be non-taxable. After these dividends are paid one half of the surplus net earnings goes to create a regional surplus fund, and when this has reached 40 per cent, of the regional bank’s paid in capital these earnings are to go into the United States treasury. The balances of the net earnings are to be paid to the United States as a franchise tax. With the machinery thus created for a new banking system that is sup plementary to the commercial banks of the country, the law provides for a gradual transfer of part of the bank reserves to these new “reservoir” banks. In order not to disturb business con ditions, or to withdraw too suddenly the heavy deposits of country banks in the large cities, the law provides that three years may be consumed in shift ing these balances and that, if neces sary, part of the reserves transferred to the regional banks may consist of commercial paper. HOW DISPUTED POINTS WERE ADJUSTED The following changes affecting points at difference between the senate and house were made in conference: Comptroller of currency and secretary of agriculture retained as members of organization committee. Comptroller of currency made ex-officio member of federal reserve board and total membership retained at seven and the term of office fixed at ten years.- Alaska excluded from provisions of act. After federal reserve districts are established, national banking asso ciations shall have 30 days in which to subscribe for capital stock of re serve banks. Individuals may purchase up to $25,000 stock in federal reserve bank instead of SIO,OOO, as provided in house bill. Stock not held by member banks shall not be entitled to any voting 'power whatever. Number of regional reserve banks to be "not less than eight nor more than twelve,” as provided by the senate. The minimum capital of regional reserve banks fixed at $4,000,000. No senator or representative can be an officer of a federal reserve bank. No director of Class C directors of federal reserve board shall be an officer, director, employe or stockholder of any bank. Each member bank is permitted to nominate one candidate for Class A and one for Class B directors. Subscription of member banks 6 per cent, of capital and surplus of subscribing bank. Senate provision for the guarantee of national bank deposits elim inated. Use of federal reserve notes as part of reserves of member banks stricken out. At least one-third of the reserves of the country banks must be held in the vaults of local banks. House provision for collections at par practically restored, banks to be permitted to collect only actual expenses. Retirement of 2 per cent, bonds aggregating $300,000,000 within 20 years provided for as against retirement of $125,000,000 in senate bill. Gold reserve behind the notes remains at 40 per cent., with a gradu ated tax against any depletion. Salary of members of the federal board increased from SIO,OOO to $12,000. Members of reserve board shall serve two, four, six, eight and ten years instead of one to five years. Reserve board can liquidate or reorganize reserve banks. Compensations for directors, officers and employes of federal reserve banks shall be subject to the approval of the federal reserve board. Recess appointments to reserve board shall expire 30 days after the following session of congress opens. * Net balance of amounts due to and from other banks shall be taken as the basis for ascertaining the deposits against which reserves shall be determined. ■' 111 ■ "■ * Another Evil. Wants Soldiers to Swagger. Willis —“I see a fellow in New York Soldiers ought to swagger according took out $250,000 insurance on S2OO to the colonel of the One Hundred and worth of goods.” Gillis —“That’s Sixteenth regiment, which is located nothing. I know a lot of fellows who at Vannes, near Lorient, France. He carry $25,000 life insurance on a 30- has issued a special order to be read cent life.” —Puck. in every company of his command, which reads as follows: “A soldier’s No Favorites. uniform is only comely when it is Definition of a boarding house straw- worn with pride, even with swagger, berry shortcake: A circular solid, Under these conditions it is incompar every point in which perimeter is able. Try to be chic, and while you equidistant from the strawberry.— are in the army, at least put some Everybody’s Magazine. heart into yourself.” The amount of reserve required from every bank under the new law, and the place where it must be kept, are as follows: Country banks —Total reserve requir ed, 12 per cent, of demand deposits and 5 per cent, of time deposits. Five twelfths must be held in the bank’s own vaults for two years and four twelfths after that. For the first year two-twelfths must be kept in the re gional bank, increasing one-twelfth each six months thereafter until it reaches five-twelfths of the total re serve. For three years the unallotted part of the reserve may be kept in the banks of reserve cities. After that .ime it must be kept either in the country banks and vaults or in the regional reserve bank. Reserve city banks —Total reserve required, 15 per cent, of demand and 5 per cent, of time deposits. Six-fif teenths must be kept in the bank’s vaults for the first two years and five fifteenths after that time. Three-fif teenths must be kept in the regional reserve bank for the first year, in creasing one-fifteenth every six months thereafter until it reaches six fifteenths. For three years the un allotted portion of the reserve may be kept in other banks, in its own vaults, or in the regional bank; after that time in one of the latter two places. Central reserve city banks (New York, Chicago and St. Louis) —Total reserve required, 18 per cent, of de mand and 5 per cent, of time depos its. Seven-eighteenths in the regional reserve banks and the remaining five eighteenths in either place the bank may choose. Regional Reserve Banks. These immense funds of reserves from “member banks,” together with government moneys, will make up the deposits of the regional reserve banks. Each of these banks will be adminis tered by a board of nine directors, six of whom will be elected by the banks, and three appointed by the federal re serve board. The regional reserve banks may re district —that is, buy at a discount from its member banks—"prime com mercial paper” when the member banks desire to convert these assets into money. Character of Paper. The exact terms of this important provision as to the character of paper upon which the regional reserve banks may furnish cash are as follows: “Upon the indorsement of any of its member banks, with a waiver of de mand notice and protest by such banks, and federal (regional) reserve bank may discount notes, drafts, and bills of exchange arising out of act ual commercial transactions; that is, notes, drafts, and bills of exchange is sued or drawn for agricultural, indus trial or commercial purposes, or the proceeds of which have been used, or are to be used, for such purposes, the federal reserve board to have the right to determine or define the char acter of the paper thus eligible for discount, within the meaning of this act. Eligible for Discount. Nothing in this act contained shall be construed to prohibit such notes, drafts and bills of exchange, secured by staple agricultural products, or oth er goods, wares, or merchandise, from being eligible for such discount; but such definition shall not include notes, drafts, or bills covering merely invest ments or issued or drawn for the purpose of carrying or trading in stocks, bonds or other investment se curities, except bonds and notes of the government of the United States. "Notes, drafts and bills admitted to discount under the terms of the para graph must have a maturity at the time of discount of not more than 90 THE FROSTBURG SPIRIT. FROSTBURG, MD FIVE FUNDAMENTALS OF THE CURRENCY BILL Issue of currency, guaranteed by the government, based upon notes and bills representing commercial transactions and backed by a gold reserve. The new currency is ex pected to contract and expand to meet the varied demands of trade. Concentration of the bank re serves of the country in regional institutions capitalized by the banks of the country and con trolled by directors elected by the banks. Creation of a market for the ne gotiable commercial paper which forms the bulk of the assets of the banks, where, in time of stress, those assets may be easily and without loss transformed into cash. Establishment of from eight to twelve great regional banks throughout the country, which will issue currency, rediscount paper and centralize and mobilize the re serves of the local banks. Creation of a federal reserve board of seven members appointed by the president, with final powers of control and supervision over the entire system. days; provided, that notes, drafts and bills drawn or issued for agricultural purposes or based on live stock and having a maturity not exceeding six months may be discounted in an amount to be limited to a percentage of the capital of the federal (regional) reserve bank, to be ascertained and fixed by the federal reserve board.” The "Elastic” Element The new treasury notes, which are to furnish the "elastic” element in the currency system, and to add to the country’s circulating money in time of need, will come into use in the follow ing way: The notes will be printed by the gov ernment, with a distinctive style for each regional reserve bank. One of the three directors named by the fed eral reserve board for each regional bank will be known as the “federal re serve agent” for that bank, and a sup ply of the notes will be placed in his custody. Should a regional bank desire to pay out more money than its cash re sources will permit, the law provides that it may put some of its rediscount ed commercial paper into the hands of the “federal reserve agent,” and re ceived in return the new treasury notes. For each note that it puts out into circulation, the regional reserve bank must set aside in gold 40 per cent, of the value of the note as a guarantee for its redemption. This gold, with the commercial paper held by the “federal reserve agent,” is the pro tection behind the new money; but these notes will also be guaranteed by the government and may be redeem ed in gold in the United States treas ury. Reserve Required. Each regional bank, under the act, must keep a reserve of 35 per cent, of the deposits it has received, besides the 40 per cent, gold reserve behind the treasury notes it issues. If the gold reserve behind the notes falls be low' 40 per cent, a heavy tax is im posed on the bank, which in turn adds the tax to the rate it. charges member banks for rediscounts This was de signed to stop an over-expansion of currency. In times of sudden stress the federal reserve board can suspend these reserve provisions, in order to furnish quick relief to any commu nity. One regional bank cannot again pay out the notes of another, except under a heavy tax. These notes are expect ed to return to the regional banks and be withdrawn from circulation when the need of their use passes. Take Up Bonds. None of the existing forms of cur rency except the national bank notes will be disturbed by the new law. The United States bonds, now used to se- i cure the issue of national bank notes, are to be taken up at the rate of $25,- 000,000 a year by the regional re serve banks and new treasury notes or short term three per cent, bonds will take their place. National bank currency is expected gradually to re tire. The federal reserve board will exer cise final control over the entire op eration of the system, it can compel one regional bank to loan to another ip time of need; can suspend all re strictions surrounding the reserves which regional banks must hold, and can remove directors of regional re- j 'serve banks whenever it. is believed necessary. Banks in Control. While the banks retain control of j the boards of the regional reserve banks, their connection with the fed- J eral reserve board is only through an advisory council, made up of one representative from each federal re serve district. This council will meet in Washington to confer with the fed eral reserve board "on general busi ness conditions” and to make recom mendations and suggestions concern ing discount rates, note issues, and re serve conditions. An important change in national banking methods embraced in the new low will permit all national banks ex cept those in New York, Chicago and St. Louis to make direct loans on five year farm mortgages up to 25 per cent, of their capital and surplus, or up to one-third of their time deposits. Another provision in the law per mits national banks having a capital of $1,000,000 or more to open foreign branches. Similar authority is given to the regional reserve banks, the pur pose being to facilitate the develop ment of American trade abroad. Valuable Hint From Germany. Many industrial firms in Germany provide their workmen square pieces of cloth for cleaning purposes instead of the cotton- waste that is usual here. The scheme has the advantage of econ omy. She Had Her*. "I see, Mary, that in our city there is one policeman for every 521 inhabi tants,” said the lady of the house “Don’t know, and don’t care,” was the maid’s reply. “I’ve got mine already.” Housework is a TLe daily cares of keeping house and bringing up a family are hard enough for a healthy woman. The tired, weak mother who struggles frov morn to night with a lame, ach ing back is carrying a heavy burden. Many women believe that urinary disorders and backache are “female troubles” and must be endured. But men suffer the aches and trou bles when the kidneys re sick. Women are especially subject to kid ney disease. Tight clothing, indoor work, the ordeals of childbirth, the worry, and the stooping, straining and striving of housework all help tc bring it on. At first the trouble may be only backache, sick headache, dizziness and a drowsy, dull languid feeling, but. this condition is dangerous to neglect, for dropsy, gravel and deadly Bright’s, disease start some such small way. Don’t be discouraged. When back ache, nervousness and irregular or painful passages of the kidney secre tions begin to bother you, use Doan’s Kidney Pills, the remedy that has brought new life and strength to thou sands of suffering women. There are no poisonous nor narcotic drugs in “When Your Back is Lame—Remember the Name" JbDOAN’S KIDNEY PELLS AM Said fey all Dealers. Price 50 cents. Foster-Milbum Co„ Buffalo, MY„ Proprietors The Up-to-Date Child. Papa—We’ll travel in Slumberland. Kid —Then we’ll go in sleepers. Important to Mothers Examine carefully every bottle of CASTORIA, a safe and sure remedy for infants and children, and see that it Signature of In Use For Over 30 Years. Children Cry for Fletcher’s Castoria An Obstinate Theorist "Jo Struthers is a reformer, isn't he?” “Yes,” replied Farmer Corntossel, “but be’s one of those reformers who don’t get anywhere. He’ll stop a lot o’ men who are tryin’ to fix a mudhole in the road and get ’em all worried over his suspicions about what’s bein’ done in Wall street.” ITCHING, BURNING ERUPTION Thomasville, Ala. —“I suffered with eczema on my hands and feet two or three years. About eleven years ago I became troubled with an itching, burn ing eruption which came on my hands and feet in little water blisters and in about a day or two -when I would let the water out or wash it out, using my hands, then the places would fester and itch to beat the hand. I could not do any work that was rough on my hands at all. It caused me great suf fering and inconvenience. “I tried everything that I knew of or was told and never was really re lieved until I began using Cuticura Soap and Ointment. I would wash the parts in water with the Cuticura Soap and then when I dried them I would ap ply the Cuticura Ointment on the sur face in the daytime, and at night I would get a soft piece of cloth and apply the Cuticura Ointment on my hands and let it stay that way all night. A perfect cure was effected. No one will ever know how glad I was to get my hands and feet cured.” (Signed) Geo. C. Crook, Nov. 25, 1912. Cuticura Soap and Ointment sold throughout the world. Sample of each free,with 32-p. Skin Book. Address post card “Cuticura, Dept. L, Boston.”—Adv. Her Shopping Husband. Here is something new, a widow’s "shopping husband,” and it comes from a London court. A widow had sued to recover £3O, the value of a pair of diamond earrings. She stated that on June 23 she went to the shbp and bought the earrings, j Afterward she was not satisfied, went I back to the shop, and after a heated discussion called at a pawnbroker’s, who valued the stones at £2O. Counsel read a letter from the plain tiff, in which she said that her “hus band was not satisfied with the ! stones.” “But you are a widow?” he bdded. Plaintiff —Yes; I sometimes when shopping use the term “my husband,” because I have been “done” so often. Was Back at the Back. During study hour the youngest of four boys was poring over his primer lesson while the others were playing marbles. “Mother,” the youngster said, “if I had as many lessons to get as those boys I would study all the time. If they don’t mind they will be sent j back.” The mother immediately called the #>oys in to observe study hour and re lated to them what their youngest brother had said. Walter answered his baby brother by saying: “You’d better study your self. If you don't you’ll be sent back.” “Why, I’m already in the ‘caboose,’ ” was the reply. Pass It Along. Senator La Follette, during his re cent visit to Philadelphia, said apropos of a flagrant piece of hypocrisy: “Why, the man’s as bad as a New port groom I heard of. “This groom stood beside his master while a veterinary examined a costly cob. The veterinary, at the end of his examination, pronounced the cob in curable and took leave. Then the master, sighing heavily, turned to the groom saying: “ ‘Well, James, what am I to do with the poor beast now?’’ “ ‘Conscientiously speaking, sir,’ the groom replied, ‘I think you’d better part with him now td another gentle man, sir.’ ” Business to Blame. “That fellow uses shocking lan guage.” “You must excuse him; he’s a tele phone lineman.” Try It—Cry It! “If at first you don’t succeed, cry, cry again.” That’s the way to get a gown from the horrid men. BEreryPzetwe ff) TellsASfoiy% "Oh! What a pain." SAVED BY PRESENCE OF MIND Jew Outwitted Russian Guard by Imi tation That Must Have Been Remarkable. Aaron Seidentaft is a clever fellow, as you may understand wdien you learn how his quick wit recently brought him. safely out ofa situation of the 'Utmost peril. Aaron desired to visit Russia, but lie had no passport. He said to his friend Mendel: “You have a passport; I’ll get into a big bag and you shall carry me across the border. If the frontier guard asks you to put the hag down, you'll say you can’t because there’s glass in it. and it will break.” Mendel was obliging. He shouldered 1 the hag with Seidentaft in it and ap proached the boundafy. The frontier guard.asked what was in the bag and Mendel answered, “Glass.” Thereupon the soldier drew his sword and ran it through the bag. It might easily have gone very hard with Steidentaft if he had forgotten his role and cried out. But he didn't. Instead he made a noise like this: “Kling, klang.” And so he got alive into Russia. He often relates his adventure and he always adds: “When one is labeled glass, one must behave like glass.” — New York Evening Post. The Alternative. "Do you ever, my good woman, casti gate your children?” "Never, ma’am. I only wallop ’em.” Hypocrltal. “How is the moral tone of this com munity?” “It is sounded with the loud pedal on.” Mother Gray's Sweet Powders for Children Relieve Feverishness, Bad Stomach, Teething Disorders, move and regulate the Bowels and are a pleasant remedy for Worms. Used by Mothers for 24 years. They are so pleasant to take, children like them. They never fail. At a,it Druggists, 25c. Sample, FREE. Address, A. S. Olmsted, Le Roy, N. Y, Adv. Absent Treatment. “Now people are being advised to choose dress? to match their eouls.” . “With a good many people that will be like a bald-headed man choosing clothing to match his hair.” Those Ambiguous Titles. “What is the subject of the lecture • tonight?” “ ‘The Dynamics of Truth.’ ” “I see. The lecturer is liable to talk about anything, everything or ; nothing.” Wifely Scorn. “So you're peevish about buttoning my gown, eh?” He only grunted. 1 “Why, my first husband also but : toned my shoes and my gloves.” The Diagnosis. "Tom tried to hide at first that he 1 was going to try and borrow money, but he made such transparent ad vances for the loan of ten dollars—” ' “Ah, I see; sort of X-raise.” Counter Complaints. “My wife treats me like a dog.” “I wish my wife would treat me as i she does her Pom.” Not That Kind. "Toothache, eh? Why don’t you get ! the nerve killed?” "I haven't the nerve.” A man may never discover how ig norant he is if he doesn’t try to tell \ his wife how to run the house. You cannot climb the ladder of sue cess any faster by stepping on the fingers of those you are passing.— Anon. Keeping Her Word. “Did Alice make a name for herself, as she said she would do?” “Uh’huh. Alyce.” , Stubborn Throat troubles are easily re ‘ lieved by Dean’s Mentholated Cough Drops. They act like magic—5c at all Druggists. : Truth is stranger than fiction. If you don’t believe it, have an amateur photographer take a picture of you. : The “big stick” the average man • fears is his wife. “D© You Spank Your Baby? 5 * J/MmM Babies are good when they are comfortable, and you must soothe their* i delicate nerves. Follow the example of wise mothers and give them Dr. FAHRNEY’S TEETHING SYRUP The standard American remedy for infant complaints. Prevents Cholera 7%i. Infantum, cures Constipation and Colic, makes Teething simple and * i tafe - a 5 cents at druggists. Trial bottle free if you mention this paper. •* 9 Made only by DRS. D. FAHRNEY & SON. HagesstoW. Ma, SBeßt Cough Syrup. Tastes Good. Use Kg! in time. Sold by Druggists. Ks^l Burden l Doan’s Kidney Pills—nothing to injure I nor cause a habit Delicate women j can use them with perfect safety. The following case is typical of the cures effected by Doan’s Kidney Pills. Grateful testimony is the best evi dence: A PHYSICAL WRECK Confined to Bed For Six Weeks , v Mrs. J. Lenane, Monroe St., Archbald, Pa., says: “I had awful lameness across my hack and it kept me from resting at night. I suffered from terrible headaches and dizzy spells and they affected my sight. The kidney secretions were irregu lar in passage, and my health was going down day by day. Finally my feet and I ankles began swelling and I wasn’t able ito tie my shoes. X got so had I couldn’t stay up any longer and for six weeks, X was sick abed, unable to move hand or foot. I was a physical wreck. At tills critical time, a neighbor sent me a few Doan’s Kidney Pills and'told mo to try them. To my delight, they helped m* from the first and X kept on using them until I was completely cured. I have been free from kidney trouble ever since and I am now enjoying good health. If Doan’s Kidney Pills had only come to my atten tion sooner, I would certainly have been spared a good deal of expense and suf fering. My recovery has surprised every one.” Getting Acclimatizod. Old Man Hardnut made his home ift Havana after living many unregen erate years in the north. “What ever brought you to Hava na ?” was the mutual query. “Damfino,” chuckled the chap who knew of his past performances. "Un less he realizes the sands are running out and wants to get acclimatized.” — From the Times of Cuba. Surplus of Stock. “What do you think of this bride having 8,000 guests at her wedding?” “I wouldn’t invite so many. I wouldn’t care to get three or four thousand pickle forks.” Poets are born, not made. Conse quently Adam, with all his other faults, couldn’t have been a poet. Mrs. Winslow’s Soothing Syrup for Children* teething, softens the gums, reduces inflamma tion,allays pain,cures wind colie,2sc a bottLe^fp The fruits of industry do not grow on every family tree. r Honey v of Horehound and Tar the best of all specifics for the prompt relief of coughs, colds and sore throat* kk Sold by all druggists. It Aches Again A Pike’s Toothache Al D'°p> JBRUk: The Wretchedness of Constipation Can quickly be overcome by CARTER’S LITTLE LIVER PILLS. —act surely and P n PTirn**T gently on ness, and Indigestion. They do their duty. SMALL PILL, SMALL DOSE, SMALL PRICE, Genuine must bear Signature FREE TOALL SUFFERERS. If you feel 'OUT OF SORTS”RUN DOWN’or’GOT THE BLUE®* SUFFER from KIDNEY, BLADDER, NERVOUS DISEASES*! CHRONIC WEAKNESSES,ULCERS,SKIN ERUPTIONS.PILESp write for my FR&£ book. THE MOST INSTRUCTIVE MEDICAL BOOK EVER WRITTEN,IT TELLS ALL about theM ’ diseases and the remarkable cures effected by THE NEW FRENCH REMEDY. N*l.No2. N& THERAPION if It’s the remedy for YOUR OWN ailment. Don’t send a cent. Absolutely FREE. No'followup'circnlars. DrLeCLER© Msd. CO, HAVERSTOCK RD, HAMI’STXAD, LONDON,ENOb C LARGE Very latest, cuts ©wfc > qii tinm perfumebills: ncces- ARNAT lON Blty an( j delight to PERFUWIE every woman andt am C girl; I,ooo’s beingsold3 can be thrown in tb trunk among clothes or carried on the person, al ways giving out astrong carnation perfume; will last, for years, put up In attractive metal box and sent postpaid to o,ny address for 26c. Place coin between*, cardboard forsafety. Only afew more left, send now. Thomas Shingler, Mfr., Brd St. & 17th Av.,Cordelo,Ga* Bhair R balsam A toilet preparation of merit. Helps to eradicate dandruff. Beauty to Gray or Faded Hair. 60c. and SI.OO at Druggists. §rm nPQV TREATED,usually gives quick UilUi UI relief,soon removes swelling & shortbreath,often gives entire relief in 15t0*25 days. Trial treatmen t sen fFree Dr. THOMAS E. GREEN, Successor to Dr. H. H. Greens Sons, Box 0, Atlanta, G& BOYS & GIRLS TO WORK DURING SPARK TIME; salary $6 per week at start, easy work, rapid advancement and permanent po sition, particulars for a stamp. G. W* SHEETS, 1606 Bankllek, Covington, Ky. WHY TOLERATE UGLY WRINKLES? Our new inexpensive treatment banishes them quickly. Easy to use. Particulars free. Eclipta Toilet Goods Co.. Litchfield. Cook. —l—I—! LU—I"—* REAL ESTATE FOR SALK—7I A. NR. STARKICY. ROAN oke Co., Va.; 35 a. cult., 5 r. house, out bidgs., fruit. J. T. Harvey, East Radford, Va. FOR SALE —123 A. CAROLINE CO., MD.J 70 a. cult., 7 r. house, barn, outbldgs., orch.„ stock, etc. C. HOWARD, R. 2, Ilobbs, Mi 5 FOR SALE—I 76 A. IN BEDFORD CO., VA.; 80 a. cult., house, outbldgs., orch., etc. Addr. F. L. Wtinnier, 917 S. 7th St., Coshocton, O. FOR SALE—HOSPITAL AND SANITARIUM —ldeal location. Well paying, estab. trade , WeJI furnished, 30 r., all mod. conv. Adapt ed for hotel. Easy terms. A. 8. BOGGS, M, I>.. 226*4 Capitol St.. Charleston, W. Vau . 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