Newspaper Page Text
i
First Modern One Was Opened
in Soottand In 1810.
STARTED BY HENRY DUNCAN.
H* Wn* ■ Pre»byt«rl»n Clergyman and
Waa a Friend of Thomae Carlyle and
of the Celebrated Dr. Chalmere—The
Rapid Spread of the Syetem.
The flrut savings bank to accept de
posits la Hmall amounts and to pay
cumulative Interest was opened In Scot
land in May, 1810, Several Institutions
for savings existed In foreign countries
prior to 1810, but there was nothing In
any respect like the modern savings
bank. England, for example, early
witnessed the appearance of numerous
small charitable associations and Insti
tutions which undertook to invest the
savings of their members.
The first modern savings bank, how
ever, was originated by Henry Dun
can, n Presbyterian clergyman of
Dumfries, Scotland, a friend of Thom
as Carlylo and of tho celebrated Dr.
Chalmers, who throughout bis active
life was Interested In vnrlous schemes
of practical benevolence. In 1810, aft
er ho bad already set forth hlB views
on the subject In tho Dumfries Courier,
he established the Ruthwell Bnvlngs
bank. His purpose, as expressed In a
memoir published by his bou In 1888,
was to induce the mnss of people of
his time to realise the value of the lit
tle savings which by economy could be
put nway.
Tho Dumfries community of lowland
Scotch wns a good one In which to
start such a scheme. During the flrBt
year savings to tho nmount of £160
wore deposited In the Ruthwell Sav
ings bnnk nnd In the next two years
£171 nnd £241, respectively. By 1814
the deposits amounted to £1)22.
As the success of Mr. Duncan's
scheme became known similar institu
tions were organized elsewhere In
Scotland nnd England. One of the
earliest wns the Edinburgh Savings
bank, still a thriving Institution.
The Ruthwell bnnk had some pe-
cniarltles which distinguished It from
the Institutions thnt were developed
later. There wns nn nnnulty fuud, for
Instance. MoBt remarkable of nil, be
fore anybody's llrst deposit was re
ceived Inquiries had to be made ns to
his ngo, family nffnlrs nnd previous
moral conduct. According to wlmi
wns discovered the management decid
ed. first, whether IiIh deposit should be
accepted and, second, wbnt rate of
Interest should be allowed him.
The Ruthwell bank's funds were
placed with the Brltlidi I.lncn company,
which allowed G per cent Interest on
them. Most of the depositors received
4 per cout, but to those of three years'
standing whose deposits amounted to
£6 or more r, per cent wns allowed,
provided the depositor wanted to gel
married or thnt he was llfty-slx years
old or that In other respects it would.
be especially advantageous for him to
receive more Interest. The llrst sav
ings bnqk wns tinder no obligation to
allow depositors to withdraw funds
.When they wanted. There was a pro
vision that "when the depositor slinV
hnve become Inrnpnble of maintaining
himself from sickness or otherwise n
weekly allowance may be made to him
at the option of the court of directors
out of the money ho has deposited.''
The Edinburgh Savings bnnk was
much simpler In Its organization than
the Ruthwell nnd more closely resem
bled the snvlngs banks of the present
day. Each depositor received the same
rate of Interest. There was uo pre
liminary Investigation of his charac
ter. aud he could withdraw his de
posits nt plensure. The rate of Inter
est wns uniformly 4 per cent.
Widespread Interest wns aroused In
the early experiments In Great Britain.
Fnrseelng people renllzed that the new
Institutions were destiued to add large
ly to general prosperity and happiness.
This opinion wns eloquently voiced by
the great Scotch critic Francis Jeffrey,
who. writing In the Edinburgh Review,
said: "It would be difficult, we fear,
to convince either the people or their
rulers thnt the. spread of savings
banks Is of fur more Importance and
far more likely to Increase tho happi
ness nnd even the greatness of the na
tion tbnu the most brilliant success of
Its arum or the most stupendous lm
proveaient of Its trade and Its agrlcul
ture. And yet we are persuaded thnt
It lg bo."
Daws safeguarding savings banks
Were passed ns these Institutions began
to show vitality and clearly needed
regulation. Trustees and managers
were early prohibited from tanking any
profit In connection with these bunks.
The English savings bnnk movement
rapidly Bprend throughout the con
tinent. France, Germany. Deumnrk and
Italy successively taking up the Idea,
Everywhere with modifications proper
to the nationality It bus proved suc
cessful, ,. , , 1
The first Amcrteau savings bank wns
opened In Philadelphia In 1810 and
•was called the Philadelphia Saving
Fund society. The same .veer one was
established In Boston, Now Vork fol
lowing In 1810. and In 1820 there were
ten lu the country, having 8JS5 de
positors and $1,138,570 In ■ deposits.—
tteston Globe.
Remedies That Animals When
Instinctively Select.
With the brute creation the simple
remedies of nature generally suffice
for their few ailments, sod they are
guided to them by Instinct. We have
been told bow the mongoose cures him
self when bitten by a cobra by eating
a certain plant, and mnny country res
idents have Been a sick dog bury him
self In the dirt.
Animals Instinctively choose such
food as Is best suited to them. A large
number of animals wash themselves
and bntbe, os elephants, stags, birds
and nnts. In fact, man may take a
lesson In hygiene from the lower an
imate. Animals get rid of their para
sites by UBlng dust. mud. clay, etc.
Those suffering from fever restrict
their diet, keep quiet seek darkness
nnd nlry plnces. drink water nnd some
times even plunge Into It
When,a dog has lost his appetite he
eats thnt species of grass known as
dog’s grass (cblendent). Cats also ent
grass, catnip, etc. Sheep and cows
when 111 seek out certain herbs. An
animal suffering from chronic rheu
matism always keeps as much ns pos
sible la the sun. The warrior nnts
hnve regularly organized ambulances.
Latrelle cut the antennae of an ant
and other uuts came and covered the
wounded part with a transparent fluid
they secrete In their mouths. If a
chimpanzee be wouDded it stops the
bleeding by placing Its hand on the
wound or dressing It with leaves and
grass. When bd animal has n wound
ed leg or arm banging on It completes
the amputation by means of Its teeth.
—Philadelphia North American.
HER CHOICE OF BOAS.
The Question Thst le Now Puzzling the
Men In the Case.
Crosby had nlwnyB bceD Inclined to
conservatism In household expenses,
especially lu the matter of bis wife’s
dress bills. His wife went so far ns
to sny that he was penurious.
She had been In need of a new bon
for a long time, nnd after she hinted
thnt her happiness would never be
quite complete till she had one he nt
last consented to make the purchase.
He went Into a store nnd ( picked out
two. one of which was n cheap Imita
tion affair and the other a fine, expen
sive one.
Taking them to his office before go
ing home, he changed the price marks,
the expensive tag on the cheap bon.
nnd vice versa.
His wife examined them for a long
time very seriously Indeed and then
said: "Now. dear, the expensive bou Is
a beauty, nnd It Is really very good of
you to allow me my choice. Some
women would tnke It without n word,
but renlly I don't think we can afford
the more costly one. and besides, dear.
1 think the cheap one the more stylish
too. Why, Cros, dour, whut’s the mut
ter? Are you 111?"
But dear old Cros had made his get
away Into the night where he could
kick himself ns hard ns he felt he de
served. But whnt he would like to
know Is this: Dkl Ills wife happen on
the more expensive boa by pure acci
dent or—
—New York Tribune.
Perfectly Intelligible Only to the One
Who Wrote Them.
“My stenographer wan takeD lit sud
denly.” said a well known business
man the other day, "sad as I bad dic
tated some Important letters to him
which I wanted written at once t took
hte notebook to a stenographic insti
tution and asked for a man to trans
late the notes. Judge of my surprise
when 1 was Informed that no matter
bow good an expert a stenographer
may be he cannot read the notes of a
colleague.”
"This Is a common complaint of men
who know nothing of stenography and
have never studied It.” said a short
hand reporter recently. “It Is true,
however, that no stenographer can ac
curately translate another’s notes.
This does appear straDge, but It must
be remembered that stenography Is by
no means a perfect science. In fnct,
It Is most Imperfect, and there is great
room for Improvement Therefore
every Intelligent person who studies
stenography after he gets through the
rudiments of It begins to Improve it
In hte own way. Invents word signs
nnd characters and changes or alters
those he has learned. As a result
every stenographer’s notes are stamp
ed by hte own Individuality, a mystery
to another, and therefore, with the ex
ception of words most commonly used.
It would be Impossible to read anoth
er's notes accurately.—New York Her
ald.
EYE OF THE CAMERA.
Girls and Outdoor Gomes.
Women la their ambition to he ath
letic contend against Innumerable dif
ficulties. One of these difficulties Is
skirts, a second Is waists uud u third—
almost Insuperable—Is hair, including
hairpins. Wutcb u girl playing tennis
or cricket, nnd ufter a more than usual
ly brilliant effort she Invnrinbly puts
her hands to her bead, as if she ex
pected something to tall off If she did
not. Energetic piny Is usually intend
ed by dlshevelmem of the unruly locks
and a shedding of hairpins that cause
the pretty athlete distress. Her pleas
ure lit the game Is marred by a sense
of Insecurity uud a constant fear of
eousequences. No woman cun wield a
racket .or essay a run with au un
divided mind. Half her brain is oc
cupied by the fearful surmise that her
hair Is coming dowu—a surmise, by the
way. which Is 'probably too puiufully
Justified by the fact.—Loudon Black
and White.
The Longer It Looks the More It 8ees
Within Certain Limits.
Often the eye of the camera will de
cipher documents of which the writing
had been substantially obliterated by
age, says a writer in Van Nord'en’s
Magazine. I have successfully copied
with the camera the utterly faded pho
tograph of a classmate of forty years
previous.
Changes In the pigment of the Bkln.
undiscovered by the eye. appear with
distinctness on the sensitive plate, and
It is Bald that ample warning of ap-
pronchlng disease has been thereby
given.
The camera takes pictures of sub
jects which cannot be made to appear
oa the ground glass and of those which
the eye of man has never seen. The
human eye can penetrate spnee no
farther Id an bonr thnn In a single
Instant. Yet the eye of the camera
will gaze Into the sky for hours, look
ing deeper and seeking more with each
second that passes.
Through this attribute of the cam
era a great chart of the heavens Is now
being made. In this work distinguish
ed astronomers nnd photographers
throughout the world are co-operating.
Yet not one In a hundred of the stars
already plainly pictured by them was
ever seen by the unaided eye of sci
entists.
A Verbal Speedometer.
Every calling has Its technical vocab
ulary. and those who are familiar with
It are often surprised and- Irritated at
the difficulty other people have iu un
derstanding It. A writer In the New
York World tells of an old horseman
In Maine who had run over a man and
was belng.sued for damages.
The court asked the defendant If he
was driving fast. He answered. "I
wns going a pace.” The court then
snid. "Now, kindly tell the gentlemen
of the Jury Just how fast you were go
ing.”
"Well.'* suld the defendant, "I reckon
1 wns going n clip,".
"Well, will you tell the Jury how
fast n clip Is?"
“Well. It’s going a dite.”
"Now, will you tell the jury how fast
n dlte is?"
"Well, a dlte's a dlte. Anybody
knows what a dlte is.”
The Check System.
John rainier, who died some years
ngo In rather straitened circumstances
In a little town lit Michigan, wns the
Inveutor of the check system. I’ninier
wns a fiddler and assumed-responsibil
ity for the hats, coats and wraps of
those who came to hte dancing parties.
In keeping things straight he gave
numbered checks ror the articles com
mitted to hte cure. Rome railroad men
Who attended one of the dances no
ticed fiow perfectly the Idea worked
nnd appropriated It. nnd In n short time
the system wus adopted nil over the
country. As Is so often tho cnRe, the
Inventor got nothing out of It.—New
York American.
Which Leg?
In a small town In the west of Scot
land the town clerk, who was n bit of
a "character.” hud the mlsfortnue to
lose bis leg In a railway accident. As
a mark of appreciation nnd esteem for
his loug services the council unani
mously agreed to replace his loss with
an artificial limb, which they did ns
soon as he wnR sufficiently recovered.
A few months afterward the town
clerk, who was generally known by his
Chrlstlnn name. Pnul. wns unfortunate
enough to hnve his other leg fractured
In nn accident. Naturally the mishap
became food for town gossip, and one
old wife In discussing the matter with
a neighbor was overheard Baying:
'It’s n gey bad business for Paul,
pulr man. but te't hte nln leg or the leg
thnt belongs to the toon that's bro
ken?"
Trouble For Ps.
“■Where do they wind yog up, kites
Rkreeker?”
"Wind me opr
■“Yes: pa said yon sang mechanical
ly."—Houston Post
A Nest Made From • Leaf.
Tho tailor.bird of India, a tiny yel
low -creature, makes n most curious
nest To escape snakes and monkeys
this bird takes a dead leaf, files up Into
a tree and with it'- fiber for n thread
nnd Its bill for n needle sews the leaf
to a green one hanging from the tree.
The sides are sewed up. an opening to
the nest thus formed- being left nt the
top. The leaf, apparently hanging
from a twig, wotfid never bo taken for
a nest.
He fhnt speaks sow*, hot be that
bears reaps.—Arabian Proverb.
THe Only Kind. '
' "It would bo a good Idea if brains
ootild be gone over and, renovated now
thd then.”
"If that were possible some brains
would hnve to be renovated with a
raettum cleaner." — Baltimore Ameri
ca.
The 1910 Subscription Offer—The Best
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HERALD AND ADVERTISER, Newnan, Ga.
The Pare Food Law Being Enforced.
Atlanta Constitution.
The State Department of Agriculture
gave out a statement yesterday, in
which it is asserted that the pure food
law is being enforced, not only as to
bleached flour, but aB to all other arti-'
cles which come under its jurisdiction.
Out of 360 samples of flour taken, it
is asserted only two were found to be
bleached, and the two lots of flour rep
resented by these samples from eigh
teen Georgia towns and cities, were
seized and taken off the market. In all
cases where a violation of the national
pure food law was involved, report has
been made to the proper United States
officials.
The statement given out by the de
partment follows:
“That the pure food law is being en
forced relating to the sale of bleached
flour is shown by the State Pure Food
Department. Some 360 samples of
flour taken from different lots of flour
have been tested from eighteen towns
and cities of this State, and only two
samples have been declared bleached
by the State Chemist. Four or five
other samples are suspicious, and are
undergoing further tests and examina
tion. The two lots of flour represented
by the two samples declared bleached
by the State Chemist have been seized
and their sale has been stopped, and
similar action will be taken if the oth
er samples are declared bleached.
“Not only is the pure food and drug
law being enforced relative to tho sale
of flour, but all foods and drugs and
feeding stuffs, and adulteration and mis
branding of food and drug products, are
fast being eliminated. Food Inspector
Methvin has just returned from a two-
weeks’ trip through South Georgia,
where he has collected samples of va
rious products, and submitted the same
to the State Chemist for analysis.
These officials are active in seeing that
the law is properly enforced, and are
receiving co-operation and much aid
from honest manufacturers and mer
chants.”
Life of the Red Deer.
According to an old Gaelic legend, a
red deer might live for 210 years, an
engle for (130 and nn oak tree for near
ly nineteen centuries. Nowadays,
however, hundred-year-old deer would
be difficult to find. From twenty-five
to thirty-five years apparently may be
about the range nf their existence.—
London Country Gentleman.
Tho Amateur.
"Yes.’’ said the person who had at
tended the party. “Miss Keeponnder
wns there, and we had to beg and beg
her to play."
"And did she piny?"
"Ob. yes. 1 thomrht for n time that
we would hnve to beg and beg tier to
Btop.”—Exchange.
No Fun.
Teter and John (seeing a large plate
glnaa pane being piit lm—We may as
well go home. They are not going to
let » fall.—Fllegende Blatter.
Kind words are
world.—Faber.
tbe mnelc of the
Newnan Hardware Co.
Long-handled Strappe Fernded
Hanure Forks
4- tine Forks, 50c.
5- tine Forks,. 60c.
6- tine Forks, 76c.
Long-handled round-point Shovels, 60c., 75c. and $1,
Disston’s Hand Saws, $1.65 and up.
Lanterns, 60c. and up—the best made.
Hunting Coats, $1.50 and up.
Out line of Cooking Stoves and Ranges can’t be beat anywhere. We
guarantee every stove we sell. All we want is a trial order.
We carry Heating Stoves from $2.26 up to as high as you want them.
Our line of Pocket and Table Cutlery is complete.
Come to see us.
Must Get Out of the Rut.
Macon Telegraph.
In I860, when the population in Geor-
ia was 1,057,286, there were in this
Itate 2,036,116 hogs. In 1907, with a
pulation of 2,700,000, there were only
599,000 hogs.
With the population doubled, the
number of hogs has been reduced near
ly one-half!
In 1860, there were 299,688 milch
cows. In 1907, 808,000—an increase of
only 8,312.
In 1860, there were oxen and other
cattle, 706,194. In 1907, 680,000—a de
crease of 26,194!
In 1860, there were 512,618 sheep. In
1907, 260,000—a decrease of 248,618.
These figure' are amazing, and yet
they are based on actual statistical re
turns. ,
With oats and wheat and rye, with
corn and peas and the root crops easily
and cheaply made; with the natural
grasses, reed bottoms, Bcoms, -nuts and
herbs, isn’t stock-raising a most invit
ing field for profit-makingT Particular-
lv with the present prices (which are
likely to remain) in view.
The call is to the husbandman.
He who throws money away gives
other people employment picking it up.
Newnan Hardware Co.,
GREENVILLE STREET,
Telephone 148.
A Workman oi Skill and Experience'
Knows exactly what to do to
properly repair a damaged car
riage, and therefore wastes no
H
time in experiments, for which ,
the owner of the vehicle has to ]
pay. That is why it costs leasfl
for repairs at E. R. Dent’s.*
Our workmen know their trade,!
and in addition our patrons aref
guaranteed that no carriage hi
overhauled without our person
al supervision.
E. R. DENT
CENTRAL OF GEORGIA RAILWAY GO.
CURRENT SCHEDULES.
ARRIVE FROM
Griffin 11:10 A.M.
Chattanooga 1:40 p. M.
Codartown, ex. Ban. 0:39 A. m.
Cedartown, Sun.only 7:27 A. K.
Columbus 9:05 a.m.
7:17 P. M.
6:35 p. m.
DEPART FOB
Griffin 1:40 p.m.
Griffin, ex. Sunday 6:89 a. m.
Griffin, Sunday only 7:27 A. m.
Chattanooga 11:10 a. m.
" 7:17 p.m.
Cedartown.
ColmobuH
7:48 a.m. 5:16 P.M