The sun. [volume] (New York [N.Y.]) 1833-1916, 1894-04-29
MONEY IN THE NICK OF TIME.
FEW NOTES FROM DIR. GREER,s
proficient LOAN BUREAU.

The wem.r who wa,tsa 600 q Pay h.
Fius for ths Tresps-- OF Her Go.,s-A
Busire-s Saved-0ne Dress for Two
womea-Another Loan Association.
Just think OF a lot OF Harlem goats getting
themselves all mixed up with Vanderbilt
charity. It's the new charity organized By the
Rev. David II. Greer Of st. Bartholomew
Church. but apparently they are the same old
goats. Thoy are Harlem goats. and have been
trespasslng. and raised the kind OF a row Of
the good old time when Mr.. Hsrrigan frst cas-
his obssrvsnt eye upon Goatville.
OF course the Rev. DR.. Greer. and his chief
financial hackers. the vanderbilts, and other
wealthy St. Bartholomew parishioners, never
Intended to soin for the alienation Of dif1cul-
ties supsrinduced By the peculiarly Of Harlem
goats. But lot Of things have been sug-
assted to DR.. Greer's Provident Loan Bureau
which have surprised the Doctor and his as
sistants The goats we're most surprising.
The once Of the Provident Loan Bureau is
IN St. Bartholomew's Parish House. in Forty
second street near Third avenue, and there,
according to DR.. Grser's plan. It was intended
to loan money on chattel mortgages for the re-
lief OF the poor. who might otherwise be forced
TO deal with the professional loan agents.
There came Into the little offlce one day last
week woman who made application in tho
usual form for loan OF $40. Then an agent OF
the society. following the usual rule went out
TO make inquiries to see II the applicant had
enough furniture to make q reasonable coll
lateral for the loan asked. and also to sec
II her financial condition was such that
the society would be doing q good act. and
relieving an actual distress. and preventing
suffering By making the loan. It IL only to
such persons and in such cases that loans are
made, because the amount to be loaned Is
limited. and It must be made to cover as many
cases Of distress rs possible. The agent found
that the woman had as much furniture as
would be required and more. As she seemed
10 have everything else which her comfort de-
mahded. the agent naturally asked her why
she needed the money she had applied for.
Then It was that .he case OF the goats devolop-
cd itself to the agents understanding.
The applicant, It appeared. was som ethina
OF q capitalist herscl! and had invested her
surplus cash in a number OF far Harlem lots.
Thereon she pastured. according to the Gus
tom OF that country. six goats. These goats.
actuated by an inauirinR turn OF mind and q
rowing disposition. went out on q tour Of in.
vestieation to examine certain green SUBJ
stances growing from the ground In q neigh
boring lot where all was not rocky. as was
their pasture. but whore there was some turf
II was while they were holding q consultation
to determine whether or not they should risk
eating the grass they found thsre that the
owner OF the turfed lot espiod them. identified
thom. put them all down in writing and legal
form. and straightway had the owner up for
trespass. whereupon q $40 fine was i'm posed.
That was the reason the woman from Har-
bhe. like Mistress Prue. had sheep. and
horses., ducks and cows. men and nj aidens
WHICH alone police count S fDe can be lfaSdat.
cd she vas drcadtully shy
fnFt ha lat n n NJ oh mir IafA
levied on n.r goats The agent, who Is . man
sse Rarc% tSs. The ~ Ba
satisfying the owner OF the goats. aroused her
U.s. her soses You'd .oa By the qrae
master OF the pound. and u DR.. Greer Get him.
: :S Rs nis1'AtSSs' :sS sd9 81 s mas
caused By the contemplation OF an imperillsd
goat: bgt merely wanted to GO about relieving
In spite Of the iii opinion OF the owner OF the
ss IaSSp along d sas
90 much good: II loans money only on house,
As faa ti tie iSn
ture. Of course. not being disturbed.
The loans vary from $40 t e SSo: and since
and thus Tar there has not been a single de-:
Instead Of being pawn shop. II Is intended.
g the extent II opsrsts: to relieve people from
AGENTS and the pawn shops s AZ rst people t
came there with personal property. with artl-
sss yss.yps from sS eST.ss to q ,s ring
In the little ONCE there are q manager and .
young woman assistant, and on the outside
thers y an agent who Investigates the appli-
This applicants are met by tho young wo-
q %ar KIM n each APPLICANT undersssnd that he
sSsSs IN strictly
What g your fun named How much DO you
tssdsncsf How lone have you resided therei
Ss the a. WRs s SSI
or -FOUR husbands bqsinsssS Where DC
Does all the property belong to you 2 Is there
sny incumbrance on III Giye two references.
principal win you repay monthly DO you
agree to pay interest Promptlyt Is your prop
Long before half OF this list Of questions Ia
gone through with the applicant. II he or she be
an mpGsior usually makes as srsseia, an ext
trouble to lie straight through this list OF
questions the imposition Is promptly exposed
Most ofthe applicants are women. and the
young woman In the once. after putting the
confidence usually manages to learn enough
81 their personal history to make sure that
theirs are the character OF eases the bureau
seeks to aid; Nine cases out OF ten are almost
Identical The bread winner OF the family IL
unemployed. his savings have been eIha usted.
and now the furniture must 20 to the pawn
shop unless loan can be secured here
There are goms odd exceptions to this COM
mechanics wives who wanted rom $40 70 $50
70 make final payment on furniture which had
been bought on the installment plan. There
seem to be some very peculiar phases OF that
instAlment plan furniture business. The con,
tracts the buyers align must he as ons-sidsd
as they are east.iron. In one instance an ap-
Pileant OF DIR. Greer's bureau had more than
SluO worth OF furniture. every article Of which
would go back to the furniture store without
rebate to the buyer II she failed Ia the pay
ment OF 50 then due. which WAS all that was
due on the furniture.
Dr. Greer manager has limited emsrReney
Innd which can be drawn on to remedy
case OF this kind before all the fOrmAlities pre-
eeding loan are gone through with
Another unusual Instance was that OF
woman who had little business OF making
over women's hats, She would lose her en-
TIRE business unless she coulI secure aid IN
Duylng q piece OF m AchineTy which had recently