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5 t Modern One Was Opened
In Scotland In 1810.
STARTED by HENRY DUNCAN.
W„ a Presbyterian Clergyman and
Was « Friend of Thomas CaHy,e and
t he Celebrated Dr. Chalmers—The
° , of the System.
Rt pid Spread
first savings bank |o accept de
The 1 amounts and to pay
p0S in small opened Scot
niatlve interest was In
cU “ ‘ 1810. Several Institutions
ifsa^gs Mar countries
existed in foreign
to 1810, but there was nothing in
P respect like the modern savings
"J k England, for example, of numerous early
unessed the appearance
charitable associations and instl
which undertook to invest the
ut l 0ns members.
savings of their
The first modern savings bank, bow¬
was originated by Henry Duu
ser * ’ Presbyterian clergyman of
a of Thom
numfrles, Scotland, a friend
Cflr iyle and of the celebrated Dr.
, throughout his active
fhalmers, who
Hfe was interested In various schemes
of practical benevolence. In 1810, aft
had already set forth his views
er the Dumfries Courier,
on the subject in
be established the Ruthwell Savings
bank His purpose, as expressed fa a
memoir published by his son in 1888,
wa3 to induce the mass of people of
his time to realize the value of the lit¬
tle savings which by economy could be
put away. of lowland
The Dumfries community
Scotch was a good one in which to
jtart such a scheme. During the first
year savings to the amount of £180
were deposited in the Ruthwell Sav¬
ings bank and in the next two years
£171 and £241, respectively. By 1814
the deposits amounted to £922.
As the success of Mr. Duncan’s
scheme became known similar institu¬
tions were organized elsewhere la
Scotland and England. One of the
earliest was the Edinburgh Savings
bank, still a thriving institution.
The Ruthwell bank had some pe
culartties which distinguished it from
the Institutions that were developed
later. There was an annuity fund, for
Instance. Most remarkable of all, be¬
fore anybody's first deposit was re¬
ceived Inquiries had to be made as to
his age, family affairs and previous
moral conduct. According to what
was discovered the management decid¬
ed, first, whether his deposit should be
accepted and, second, what rate of
Interest should be allowed him.
The Ruthwell bank’s funds were
placed with the British Linen company,
which allowed 5 per cent interest on
them. Most of the depositors received
4 per cent, but to those of three years’
standing whose deposits amounted to
£5 or more 5 per cent was allowed,
provided the depositor wanted to get
married or that he was fifty-six years
old or that in other respects it would
be especially advantageous for him to
receive more interest. The first sav¬
ings bank was under no obligation to
allow depositors to withdraw funds
when they wanted. There was a pro¬
vision that “when the depositor shall
have become incapable of maintaining
himself from sickness or otherwise a
weekly allowance may be made to him
at the option of the court of directors
out of the money he has deposited.”
The Edinburgh Savings bank was
much simpler in its organization than
the Ruthwell and more closely resem¬
bled the savings banks of the present
day. Each depositor received the same
of interest. There was no pre¬
liminary investigation of his charac¬
ter, and he could withdraw his de¬
posits at pleasure. The rate of inter
wt was uniformly 4 per cent.
Widespread Merest was aroused in
the early experiments in Great Britain,
arseetng people realized that the new
tutions were destined to add large
i I to general prosperity
and happiness.
opinion was eloquently voiced by
e great Scotch critic Francis Jeffrey,
Z ! It rltlng would in the be Edinburgh difficult, Review, fear,
• we
nominee either the people or their
baT n 's is tllat of far tke s P refl importance H of savings and
more
r more likely to increase the happi
tlor eTen 6 rea tuess of the na
than most brilliant success of
or the most stupendous im
emaat °* lts trade and its agricul
tu r „ yet that
'tls so“ We are P ersua(3e(i
? aSSe(1 sa feguarding savings banks
to 0 as these institutions began
reviii vltallt y and clearly needed
* °, n T^stees and
' managers
were e ar pr °h 1 blted from
Drofif . ' making any
The conuect lon with these banks.
p Ugllsh savings bank movement
raDidin t'p SIread throughout
tluei the con
Italv rance - Germany, Denmark and
Everv« U CCe8S,Vely taking the idea,
| aere up
to th w *th modifications proper
0 tiatl0na11 ^
ressfm 14 has proved sue
ODctili Th a Ameri
n Philadelphia ean savings bank was
was (, n „ in 1816 and
Puna th rhlladelpUia Savl “ g
estahis-u society ' Tv, x he same year one was
‘owing ten in'ifi’tQ , Bos an d , ton in ’ 1820 New there York were fo1 -
(.
Positoran country, having 8,635 de
Boeton GIoIm hi deposits.—
Trouble For Pa.
SkreekerV ^ 0 they W,ud you UP Ml8S
*
“Ye Qd up? ”
ty.Vir’ 8 pa 8al<i
Houston you sang mechanlcal
Post.
bears 8peaks sows, but he that
“Ps—Arabian Proverb.
THE MARIENBAD WORLD.
Taxing the Cure at the Salt Springe
of Bohemia.
When you are at Marieubad the first
sound you hear is tap, tap, tap, at your
bedroom door.
‘‘Half past 0! Time to get up!”
‘‘All right!” you growl in reply, rail¬
ing while you slowly get out of bed
against the absurd tyranny «f medic¬
inal waters that insist on being taken
so early in the day.
Sallying forth, you find the Marien
bad world already astir. Water drink¬
ers are converging from all sides to
the spring. Each one on arrival pro¬
vides himself with a glass and goes
forward to receive his dally dose. You
join the waiting file. Soon it is your
turn, and the attendant maiden for a
modest coin fills you a bumper. You
take It aside and eye it keenly, hold¬
ing it to the light. Then, surreptitious¬
ly sniffing, you taste it cautiously. The
flavor, it appears, Is not unpleasant.
You are reassured, and, assuming a
resigned air, you drain the glass.
Elated by this proof of your courage,
you the walk out. The band is playing!
promenade crowded. Here you
may see the crowned heads, million¬
aires, great singers and all the other
celebrities who frequent Marienbad.
There is a peculiarity of the place
that will quickly strike you—the stout¬
ness of many of the visitors. As the
Baron von Seldsplitz, himself a man
of girth, remarked to an English
friend, “There are many thick people
in Marienbad."
Hunger by this time probably pos¬
sesses you, for it is 8 o’clock, but do
not expect a hearty breakfast. Crisp
rolls or toast and fragrant coffee will
be enough, served in the open air. To
a favored few an egg or a small
of cold meat is permitted.
Curious morning tasks are prescribed
for some of the patients. Mr. X., for
instance, is ordered a piping hot mud
bath, while Mr, Z. follows the “terrain”
cure. This consists in walking an in¬
creased distance each day, so as
ually to strengthen the organs of which
the functions are impaired. Most
ple, however, spend their time in
ing, writing or lounging.
The welcome call to dinner draws
all together about 1 o’clock. Again
the fare is simple, the motto being,
“Nothing very sour, nothing
sweet, nothing very salt, nothing
fat” Even the restaurants are
allowed to provide dishes harmful
the “cure." Bo you make
content with fish, roast meat or
en, green vegetables and stewed
and, as for drink, water, diluted
or Pilsener beer must suffice.
to him whose choice strays to
dishes, pastry, cheese or spirits,
these he must abjure as long as
stays at Marienbad.
To rest awhile without taking
ty winks” is the patient’s next
lem, and when he has worked
it he will probably stroll along to
concert or make an excursion
the delightful pine clad hills that
close the Marienbad valley.
When evening approaches the
dens and promenade fill with
They sit about at small tables
sip their coffee while listening to
band.
Your last meal is a light supper
7 o'clock, and by 9 you should be
bed.
The normal length of the “cure”
four weeks. It is said, however,
Americans, with characteristic
have been known to compress it
something like half that
delphia Ledger.
Can’t Be Cut Off With a Shilling.
French parents (or, at all
those with more than 2 shillings
dispose of by will) are precluded
the gratification of cutting a
child off with a shilling. A reserve
established by law which no
can bequeath away from his offspring
A Frenchman with one child can
pose of half his property according
his pleasure; the other half must
evitably pass to the child. Those
two children can dispose of only
third of their property, those with
children of one-fourth, and so on
cording to the size of the family.
Stern parents occasionally seek
evade the law by subterfuge, but
disposal of property in France is
hedged round with so many
tions that family black sheep are
ly mulcted of their legal
London Mail.
Not the 8tme.
The new minister was making a duty
call at the home of one of his flock,
and, taking a little six-year-old miss
upon his knee, he said, “Now, my dear,
you want to be a Christian, like mam¬
ma, don’t you?” unexpected
“No, sir,” was the
“I would rather sing in the choir.’
Chicago News.
Indulgent. her."
“Her husband is very good to
“Is that so?”
“Yes; he does everything to please
her, even to talking back when she’s
looking for an argument”—Detroit
Free Press.
They P*»« <»•
“I suppose the deacons in your
church pass the plate?” cut
“Yes; they even go so far as to
it absolutely dead. I've never yet seen
any of them put in a cent!"—Puck.
Should Die For Her.
Her—You don’t love me! Him—I do.
I’ve Just had my life insured, haven t
I? Her-Yes, but it would he just like
you not to die.—Cleveland Leader.
What is called liberality is most
often only the vanity of giving, which
we like better than the thing we give.
—Rochefoucauld.
THE COVINGTON NEWS
THE WORD “FELLOW.”
its Court* From the Universities Into
Everyday Life.
The word bachelor means originally
cowbdff’ a youth who looked after
the cow, from the low Latin bacca
and through the classical Latin vacca.
In course of time the term was giv¬
en in scorn to voluntarily unwedded
men by ladies who had sharp tongues.
The word was taken over by the uni
versities in the middle ages, and the
degree of bachelor was not supposed
to be given to any man who had en
tered into the state of matrimony.
The word “fellow", has had a some¬
what similar fate as far as the ladies
and the universities were concerned.
The universities of Oxford and Cam¬
bridge, to name but two, grant fellow¬
ships worth from $1,500 to $3,000 per
annum at the various colleges to un¬
married honor graduates of high dis¬
tinction. If a fellow should enter
tnto matrimony he still loses or for¬
feits his fellowship. As the “fellows”
were generally men of apparent opu¬
lence or at least comfort Id regard to
living and dress, they readily attracted
the attention of ladies who were think¬
ing of settling down in life. When
an acquaintanceship was formed be¬
tween a “fellow” and a marriageble
lady things usually went very delight¬
fully until the fair schemer discovered
the academic status of the man. Then
the expression “Pooh, he is a fellow!’’
came very naturally to her lips. And
so It crept into secular or lay life and
begat its unkind meaning. But. of
course, if the graduate was willing to
sacrifice his fellowship and Its emolu¬
ments for the sake of the fair lady’s
lovely eyes and favors—why, he be¬
came a “good fellow,” which is a horse
of a totally different color.—New York
World.
A Very Restful Rest.
Adolf Menzel, the German artist, was
at one time engaged on a mural deco¬
ration. He had rigged up a scaffolding
In his studio, on which his model was
requested to stand. For two long
hours the poor poseur stood up aloft
In a most fatiguing posture. Menzel
In the meantime worked at his sketch,
heedless of the fact that his model was
growing tired.
At length the model found it neces¬
sary to speak. “Herr professor,” said
ha, “how about a recess?”
Menzel apologized profusely for his
forgetfulness. “Certainly, certainly,
my dear sir,” said he. ‘‘Come down
and rest yourself a bit.”
The model had clambered from the
scaffolding to the ladder, which led
down from it to the studio floor.
“Stop!” cried the artist suddenly.
‘That pose is fine! Don't move a mus¬
cle!”
And once more the model was forced
Into strained rigidity, while the enthu¬
siastic draftsman set about sketching
him.
At the end of half an hour Menzei
looked up from his work. “There, 1
said he; “that will do nicely! Get back
on the scaffold. We have had our
rest. Let us get back to work again.
What the model said Is left to the
reader’s imagination.
Scotland and Horse Racing.
Scotland has been famous for its
horses from the most ancient days.
When Agricola defeated the Caledo¬
nians at the battle of the Grampians,
A. D. 84, the Celtic enemy, as Tacitus
relates, were exceptionally strong In
cavalry and charioteers. Successive
kings of Scotland did much to improve
Its native breed of horses, and in this
connection it is not to be forgotten
that the first Scottish king of Eng¬
land, James I., did more to improve
the race horses in our island than was
ever done before him or has ever been
done by any individual since. James
I. was the real author of horse racing
as It has since been known In England.
He It was who first established regu¬
lar courses, and during his reign there
came into being the code of regula¬
tions that led up to the modern laws of
the turf. Nobody denies that horse
racing has done much for the breed of
British horses. It was a gift from
Scotland.—London Answers.
Sizing Up Bernard Shaw.
Bernard Shaw is thus Immortalized
by Charles Hawtrey, the well known
English comedian: “Once on a time
I had a mad desire to produce Shaw’s
play of ‘You Never Can Tell.’ I wrote
te Shaw and asked his permission. He
answered that he would come and
read It to me. He did and began by
saying that sometimes he thought it
was the best play that ever was writ¬
ten and at others he considered it the
greatest trash. Anyhow, he was of
opinion that it was a pretty poor play
and that if I produced it—well, I must
take the consequences. Some time
afterward I asked Shaw if I could
compress the last act. He declined to
allow one line to be altered or cut out.
In view of certain contingencies I had
at last to tell him that I couldn’t pro¬
duce the play. His answer was:
‘Thank you so much! You have taken
a great load off my mind.’ Now, what
are you to do with a man like that?’
Minneapolis Journal.
The Black Hand Business!
Mrs. Bart—My husband got a letter
today saying something dreadful would
happen If he didn’t send the writer a
sum of money. Mrs. Smart—My hus¬
band gets dunned for his bills too.—
Boston Transcript.
Same Thing.
Scribbler—I don’t like the word
“chaos." Give me a synonym. Scrawl
er— How would housecleaniDg time do?
-Philadelphia Record.
History is but the uorolled scroll of
prophecy.—G&rfleld.
What About Your Boys’Clothes?
The Fall Models===a dandy
bunch awaits a call from you.
Whats more you’ll buy one
of these exceptional suits after
you have given them a look, you
just can’t help it. You’ve never
seen such style and snappiness
at the prices we are asking.
Come in the next time you
are down town and let us show
you the new fall line.
Lee Brothers, Coitalon, Ga.
COTION SELLING AT HIGH PRICES
Pay Your Indebtedness
I have been very patient with those who owe me during the
present fall and now as cotton is selling at over thirteen cents a
pound I must insist that all those whom I hold accounts against
come in at once and settle. Some few accounts which have been
standing open for sometime MUST BE PAID. Now let this be
a warning to you and influence you to come to see me at ONCE.
D. A. Thompson } Covington, Ga.
i
Patronize j
White f
Barbers •
♦ We have a neat and well ♦
§ kept shop, equipped with §
♦ new furniture and supplied ♦
v with hot and cold water. We §
^ ask fact for your trade from the * 2
that we do first class
work and white barbers all g
the way through. *
. W. J. Gober •
{ Covington, - Ga. ♦
Notice.
Well, we are at it again, making
those same good oyster stews like we
made so many last season. Try one
when in town and wanting something
to eat and then you need not be
afraid of acute indigestion from eat¬
ing your dinner in town.— Parkers
Place.
A Gift That Only You Can Give
What Would Be Better Than a Living Portrait Of Yourself?
THE KIND WE MAKE
Come Now Before the Rush and Let Us Have The Order.
We Are Prepared to Give You the Best Your Money Can Buy.
The Death Studio, Covington,Ga,
Seed Oats for Sale
Genuine Appier Oats
of My Own Raising
C. LUNSFORD, MANSFIELD, GA,