The daily morning journal and courier., 1894-12-27
4 SENSIBLE SCHEME.

4 SENSIBLE SCHEME.
 This Is a queer world. Who would expect any sound financial or economic scheme to come out of Kansas, the home of the Populist, and the breed ing place of more financial vagaries that anybody can shake a stick at? And yet one of the very best plans that could be made for bettering the condition of the people has been made there. It is the invention of the Rev. Father Kinsella, a Roman Catholic priest, and it is based on a principle which experience has shown to be sound. His idea has taken form in the organization of a Cash Purchase association, the charter for which was filed for record with the Secretary of State about month ago. The associa- tion has its headquarters in Holton, but it is intended to be national in character, notwithstanding the obscur- ity of it's local habitation. The plan on which the organization is perfected has been in successful operation in Holton for several months, and it is now proposed to first extend it to every nook and corner of Kansas, and then to branch out in other States, even- trlally making its influence felt in every part of the civilized world. The objects of the association are fully ex- pressed in its motto, "Owe no man anything" In detail, however, they are financial, educational and benevo- lent. The financial benefits which its members are to enjoy are derived from the discounts which they will receive from tradesmen by reason of their pay ing cash. To an ordinary family Father Kinsella estimates that this saving will amount to about $6O annually.
 Father Kinsella has come to the con- clusion that many of the financial troubles of the ordinary household are due to the bad management of those who do the buying and to the defective training of the head of the culinary department. Each 'circle," as the local organizations of the association are to be called, will provide itself with the best literature obtainable along these lines, and study of the principles underlying good housekeep- ing will be made at the meetings. To fulfill it's promise of benevolence, the association proposes to encourage the cultivation of mutual help and good neighborship; to teach kindness and assistance in times of need, sickness and death, and to render all aid for the alleviation of distress of a neighbor member" When in distress member in good standing may borrow from the fund of the association an amount sufficient to maintain his family for one month, and in case of extreme necessity second months supply of provisions will be furnished. No in- terest is to be charged on advances of this kind, the member being expected to return only the principal when he is able to do so. Later it is proposed to organize an insurance department on the plan of the ordinary life insur- ance society.
 Father Kinsella says he hopes to es- tablish circles" in every church and labor organization in the land, without regard to creed color or condition. He wishes to organize combination that will abolish the vocation of usurer and save to the people the millions of money that are paid annually in interest on small loans at high rates, as well as the difference in prices at which merchants are able to sell their wares to cash purchasers and those who deal on credit. Success to him. His plan is good one, and if people know what is for their own good the Cash Purchase O ssocia tion xjl1I prOw ranid1v