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w. T. Ilnrdlf Wm. W. <!
Kb?a Harfli
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C?tton Karl?m A ( iumlMln
Merchaala.
fllA Oravlrr Street, Car. Drjrataa,
NEW OKLBANS, I.A.
S. H. HAWES 5 CO.
Dealers In
COAL
Also
LIME, PLASTER, CEMENT
RICHMOND. VA.
WHEN
When myelin* between Sorfoift.
kfohmond, LjTiehbnrK, Cincinnati, L<m*
ISTflle, ritlcaco, St Loolg and the West
*nd Southwest generally, yon will And
Ike CHESAPEAKE & OHIO ap-to-dat#
m every particular.
Finest Pnllrann equipment. Best Dtaleg
Car SerTlce. Scenery that will daiUrht
yog.
JOHN B. POTTS,
Haaeral Passenger Agent,
C. A O. Kj? Richmond V?
A., h. UH1AWUI.D A CO., UmlltA
Jrnelen SOveramltha.
jar iIuca or Jewelry, Silverware, L >la
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Novelties in Uoid and Sliver. Is the lafjg-st
end handsomest we have ever shown.
Everything new, b resh. uttractive Write
for our Book of Suggestion.
A. B. ?m?WOLD,
rll Casat St., Mew l)rir.a, I..
fT3st8 hlthhe.t Hit t
f COOP FOR THE EYESai
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Main and - . 223 East. E
|^JUghth Sc Broad Streat f
INCORPORATED 1882
Virginia Fire & Marine
Insurance Company
oiruMnMn . . IHDPIMI*
[\1V^hi'iv/iil/, i y iivvjiinn
tueti 11,611,088.00
W. H. PALMER, Preside?!;
E. B. ADDISON, Vloe-Proeident;
W. H. MCCARTHY, Secretary;
OSCAR D. PITTS, Treasurer.
TELEPHONING NEWS
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SOUTHERN RAILWAY
PREMIER CAIt It I Kit OP TUB SOUTH.
Trains Leave Richmond.
N. B.?Following schedule figures published
as Information and not guaranteed:
1:10 AM Dally Local for Danville,
Charlotte, Durham and Raleigh.
10:45 A.M. Dally Limited for all points
South. Drawing Room, Buffet.
Sleeping Car to Aahevllle.
I:?0 P.M.?Ex. Sunday?Local for Durham
SaUlirh ??/( lata?Jl.a a
tloni.
1:90P.M. Dally For Danville, Atlanta
and Birmingham, with through
eleotrlo lighted drawing room
sleeping oar.
11:49: P.M. Dally Limited for all points
South. Pullman ready 9:09 P. M.
York Itlver Line.
:*0 P.M. Dally. To West Pt., connecting
for Baltimore Mdn., Wed.,
and Frl.
0:00 10*. Sun. and 2:16 P. JM. Moj^,
< >?. nun uuvoi ID VT OBI t'l.
Train* Arrive In lllrhiMai.
Krone the gouth: 1:50 A. M., 8:41 A. M.,
1:00 P. 54., k :05 P. M.. dally, and laToi
P.M., ex Ifuh.
mm Weot Point: 0:80 A. M., dally:
11:88 A M, Men.. Wed. and rH.: 4*1<
r u . ??. 9u/i.
A E. 8CK<.**W. n. P A..
fOt * Wain ?? rhirna Wadtann lit,
THE PKESBYT8RIA
Retrenchment In
By Professor Ad
Why retrench? Are we doing too t
much along any line of effort? Ask the 1
men In charge of Colored Evangeliza4
tlon. Ask the men who look after the
destitute parts of our own territory, j
where devoted and poorly paid Haine <
Missionaries are working so falthfullly <
agc.lnst disheartening conditions. Ask
those who try to relieve the wants of ^
our aged ministers and their families,
or ask Dr. Chester and Dr. Smith about 1
the Immense trust committed to their !
oversight whether we are doing too 1
much? Certainly the writer holds no
such view as that; but still, there Is
need for retrenchment in many directions,
and this thesis 'I shall try to establish.
1. "I remark then in the first place,"
that the earnest and consecrated men
in charge of our various causes surely
have enough laid upon them if they do
two things well, viz.: wisely administer
the money the church gives them, and
cio wnai tney can to stimulate the
church to greater faithfulness as
stewards of the Ixjrd's money. But if
the church will not give them the
money, they are not required to go
ahead anyhow, contracting debts and
then calling upon the people to pull
them out of the hole. There may be
exceptional cases in which this becomes
necessary in order to meet sudden
emergencies; but it is a policy,
sometimes. E. g., Dr. Smith (Letter
Number Seven), has told us that for
five vears the annual amount spent on
the Foreign Mission work exceeded by
$50,000 any annual income ever received
for that work. No wonder, then,
that the treasury is in its Dresent dls
tressing condition. Such a course violates
tne Bible principle: "Owe no man
anything," as well as the plain dictate
of common sense, "Live within your
income." A margin of safety for the
emergencies sure to arise is certainly
as advisable in church work as in the
business world; in fact it would seem
to be more advisable, for?
2. The church is set as a light in the
world and it certainly behooves its nffl
cers to set the very highest example of
the strictest business integrity; and
the prompt meeting of pecuniary obligations
is a great point of honor in
secular business. But if reports sometimes
seen in the religious press are
correct, it occasionally happens that
church treasurers use for current local
expenses funds contributed for ono of
the "causes," hoping to be able at n
later date to forward what was thus
"borrowed." And is it not a frequent
Pf\11 ron o# A * *
ui oiiruauansmem mat money
due the treasurer of these causes Is
held for months and months by the local
church treasurers? Tn all such
cases?and others might be mentioned
?It can hardly be claimed that the
church Is setting a good example. But
Is seems sometimes as If the large malorlty
of church enterprises -were In
debt.
3. Another thing that works harm and
trouble? sometime? keen distress?Is
the launching of some undertaking (not
always a wise one), by a few over-zealoub
souls, whose enthusiasm runs far
ahead of their Judgment. Thev stun*
the work, contract debts on the baste
of what they hope they can secnre In
the way of gifts; then, the gifts do not
cwr.e?and somebody suffers severely
because debt was incnrred on no sound
basts. More than that, Is It honest for
me to lncnr pecuniary obligations when
I have not the means myself to meet
W OF THB SOUTH
Church Work
dlson Hoxuc.
nese obligations ana do not nave tn<
neans well assured from other sources
rhe thing that makes it so difficult t<
:ollect money in such cases is th<
rree.t <and perfectly natural) reluctanci
people feel to give money to retrlve ai
srror of judgment made by some on*
3lse, or even to give money to pay fo
what has already been done, even If 1
was wisely done. E. g., contras
these two appeals and see which one 1
likely to be the more effective: (a
'We have pushed the work "well ahead
have lengthened our cords and streng
thened our stakes; have gone In an
taken possession. Eut now we aT
heavily In debt Will you pay us out
(fc) "The field Is white to the hat
vest. There is a strong strategic pc
sition which we ought to occupy i
once, or it may be permanently loi
to us. But we have no money, and w
will not go in debt. Will you help us^
Of course it is necessary sometimes fc
a general to seize n position with it
sufficient forces and trust to the ai
rival of reinforcements to enable hit
to hold It. Moreover thore is a perfec
ly legitimate form of debt, when a ma
borrows on the basis of what he owr
or what he has already earned and I
practically sure of receiving. But aftc
we eliminate all this there yet remain
a large amount of church debt hard 1
justify; and therefore retrenchment i
urgently called for.
4. Another thing in which retrenol
naent seems to be called for is the nun
ber ct conventions and gatherings <
all sorts. It may be all right, tout thei
.ire a great many in our church, I vei
turo to aay, who think It is greatly ove
done, and that lar^e sums of mone
are speut in this way which might 1
spent On what the delegates are "coi
venting"' about. L?ast spring, e. g., thei
was tli 3 big Chattanooga conventio
It was whooped up at a great rat
Pullman trains chartered for the o
cacion were run to it, and to say an;
th'ng against its advisability was a
most heresy. Some cf us, on wlioi
hearts the Foreign Mission delbt li
heavily, hoped that as one result <
that convention the debt would H
largely reduced; not necessarily 1
money given there and then, (but as
result of the great spiritual upllf
which, as was said, was sure to com
So we hoped to see fruit borne In th
tangible and very practical way, for
"sniritunl nnlift" that t1no? nnt in
debts bus not lifted the spirit up ve
far. Instead of that we saw two thing:
(a) A large number of new misslo
aries sent out since then, and (b) i
alarming decrease in gifts to the ge
eral Foreign Mission Fund. How sot
the falling ofT began, I have no meai
of saying; but Dr. Smith's letters r
ported a decrease from September li
and no doubt the previous months hi
also shown a deficit; so it seemed th
the financial downfall followed
on the track of the spiritual upllf
Now w? know that no new missions
was sent out unless all expenses ai
at least one year's salary were gv.a
anteed over and above the donor's re
ular gifts to Foreign Missions. But ^
can't help thinking that these co
secrated givers would have ibeen wlllii
to let the extra rroney go towards tl
debt, because that stares us In the
like a night-mare: or, If even such do;
ors would not have done this, it on
emphasizes what was said above (in !
about the intense reluctance speop
have to giving money to pay for woi
already done. Besides, we all kno
that in the very nature of thin-gs son
of these now and guaranteed expense
[March 5. 1918
must come back to the Committee and,
be paid out of the general fund. It will
w% uw vi/ vap a icoci run 111 iuu lliaiiy
places unless new springs <are discovered
from which to feed it- If the
! Committee would assure us that not
? another missionary shall be sent out
5 until this debt Is wiped ofT their books.
e 1 believe it would help the Talent Plan
e more than anything they could do; for
i
e
TO those: having ?ioo or more
SAVED,
t
? mad l A ? * V
i b'/2 to 6'4 %
> The most attractive opportunity
that ha8 ever been offered In the
d South to combine the savinfe and
Investment of money.
? Apply to
- Richmond Trust and
!'t Savings Co., Inc.
1100 E. Main Street, Itlchmond, Va.
? John Skelton Williams,
President.
... James G. Tln?ley, S. I). Scndder,
Vice-President. Vlce-Pres't & Treas.
1 K. I.. Mcminn, R. J. W'lllinKham, Jr.,
[ - Vlce-Pres't. Ass't Sec'y & Ass't Treas
V CAPITHl, OW, Mil,I.ION rtOI.I.AMB
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INO AND TRUE TO LIFE STORY
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2 Mr. Achilles
ir.
SENT POSTPAID TO YOUR ADDRESS
npnv RPf.PIPT
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1
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>e
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