davidaulloa/AmericanStories huggingface dataset:
The Birmingham age-herald., 1911-12-31
CAMPAIGN AGAINST LOAN SHARKS
ARTHUR H. HAM of

poets of impaired morals. decreased ef-
 f1ciency, family assertions and crime d.
 rectly traceable to the loan shark busi-
 ness that render it worthy of public at
 tention and concerted effort toward it's
 elimination.
 What is responsible for this system of
 peonage? What maintains it in a four ishing condition despite the many and varied attempts to remove it? How can men be so reckless as to borrow from these agencies that are everywhere known as sharks, leeches and remorseless extor- tioners? It is clear that these concerns cater to need that is In some part real and unavoidable; that the majority of borrowers have been overtaken by sud- den emergencies which under their stan dard of living cannot be met out of in- come. To such, an easy and quick means of relief seems acceptable at any price, especially If no other and more reason able source of assistance is at hand.
 The many unsuccessful attempts to leg islate the usurious money lender out of existence have shown one thing very clearly, that law that comes between the interruptions man who has money to lend and the man who wants to borrow cannot be enforced until an agency is es- tablished to satisfy his need at a lower cost. Recognizing this fact. philanthropic men in nearly 20 cities, content with a reasonable return upon their investment. have organized remedial societies to make loans at the lowest rates of interest prac- ticable to deserving people upon security of personal property pledged or mort gagged. The first few of these societies came into existence at intervals some times of several years. In 1909 represen- tatives of 13 of them met in Buffalo at ba pxit tiou ,f ho Na of Charities and Correction and formed the National Federation of Remedial Loan associations The purpose was to substi- tute. concerted action for sporadic eff fort; to assist by advice and information in the organization of remedial loan so- cieties wherever needed The Russell Sage foundation soon organized division of remedial loans for the partial purpose of assisting the federation fin its work, and as a result the membership of the feder- ation has practically doubled since 1858.
 In many cities efforts are now being made by citizens, backed by chambers of commerce and boards of trade to organize similar societies. Those in operation have proved themselves a practical and measurably successful means of accomp- fishing what drastic legislation and pop ular clamor has been powerless to do. The loan shark has not been entirely elim- mated from the cities In which these so- cieties operate, but his exactions have been reduced appreciably. This pioneer work has removed the remedial loan idea from the experimental state and or ganizers of societies in other cities are assured of success from the start unper proper management.
 In several states satisfactory laws have replaced the old time drastic legislation
The Birmingham age-herald., 1911-12-31
(Exclusive service the Survey Press

Exclusive service the Survey Press
 The loan shark in his arrogant disre- gard of human rights continues in most
 cities to exact unreasonable tribute from the wretched men caught in his net. Leading newspapers throughout the coun- try have constantly denounced the busi-
 ness of making small loans upon the se- curity of pledge or mortgage. of personal property or assignment of wages. Dras- tic laws have been invoked in many states against it. Societies have been organized to protect victims from unjust practices, but the press accounts are soon forgotten by all save the unfortunate clients of the money lenders, and the campaign to remedy the conditions sur rounding the business has been marked by years of fruitless struggle.
 Laws are constantly and uniformly evaded. The government officials and legislators have repeatedly announced their firm intention to drive the loan shark out of existence. Grand juries have time and again returned indictments against these gentry, accompanying their presentments with statements of extor- tion and oppression, almost unbelievable in this enlightened age, but still this blot on our civilization remains and appears to careful observers even to increase in Slze The complexity of the problem has been intensified by indications of wholesale legislative corruption, collusion of offl- cers of the law and connivance of city employees holding positions of authority, and paymasters and cashiers of large es- tablishments whose employees afford the professional money lender easy prey The statement could doubtless be proved that every city in the United States of more than 25,000 population containing to any appreciable extent citizens dependent on fixed salaries or wages Is infested with loan sharks in the proportion of to 5000, and at least 20 per cent of the voting population are discounting two days la bor for the immediate price of one. It is not only the transfer of this money from the channels of legitimate trade, the cur tailment of bodily comforts, recreation and education, but also the graver as-
The Birmingham age-herald., 1911-12-31

impossible of enforcement. Legislators are beginning to realize the force of Blackstone's comment, Without some profit allowed by law, there will be but few lenders, and those principally bad men who will break through the law and make a profit, and then will endeavor to indemnify themselves from the danger of the penalty by making that profit exor- bitant'
 Briefly stated, the programme of the remedial loan movement includes the or ganization in all cities of competitive loan societies of a social nature in the pawn broking and chattel loan fields; the estab- lishment of cooperative associations for savings and loans among employees. sup plemented by the investment of honest capital on a reasonable money making basis. In all states legislation will be sought chiefly to facilitate this competi- tion. Satisfactory laws will deal fairly
The Birmingham age-herald., 1911-12-31
Your Surplus

In the advertised statements Of a bank you will read something like this Capital INSTRUMENTATION. -$l0O,O0O Surplus and undivided profits. 6o,o0o
 Which means, of course, that in ad- dition to the paid capital employed In the business the bank has earned a surplus fund available for use that serves as a sort of insurane.
 Surplus is earned capital.
 Every person, like the bank, should carry a considerable surplus
 In addition to his working capital, which includes his physical. mental and moral resources, he should accu- mulate a fund of surplus energy.
 Because
 There will come time of stress when all the powers of body, mind and spirit will bSe taxed to the utmost and he must perforce draw on his surplus fund.
 A panic tests the bank.
 And so the emergency tests the man. If the resources of the bank are avail able it will weather the financial storm. If when trials, difficulties. temptations, comes to the man he Is strong in body, mind and soul there is surplus for the crisis he will come through.
 If his body is fabby because of lack of exercise. by overindulgence or loss of sleep or dissipation; if his mind Is weakened by fear or worry; if his moral sense is dulled, why. then
 He must draw on his depleted capi- tai.
 And that sort of thing with bank or with man is the beginning of the end.
 Lay up a surplus.
 Keep the body in fine trim and full of good blood, keep the mind keen and sharp and serviceable. keep the soul untainted, and when the work doubles and the strain comes one may go at his hard task with enthusiasm.
 Watch your surplus.
 Do not let 1t become depleted. As the bank Is careful to keep a cash re- serve, so should you keep your strength reserve.
The Birmingham age-herald., 1911-12-31

to the present day. Running down through the long lists one sees such fami- liar names as Rodgers, Matthew Perry, Hiram Paulding, Melancthon, Smith Bancroft and Francis Gherradi Daniei Braine and Francis M. Ramsey.
 A feature of the yard is Trophy park, triangular green plot adjoining the commandants office, that is filled with relics Here is located the marble column commemorating 12 American seamen who fell at the capture of the Barrier forts on Canton river China, in 1856. The shatr was erected by their shipmates of the San Jacinto, Portsmouth and Levante. About the monument are guns captured from the British frigate Macedonian, and the iron prov of the Confederate ram Mississippi In front of the commandant's office are two 51a inch guns on the car riages which they occupied when they
 were taken from the two vessels of Admiral Cevera's fleet, destroyed off San tiago harbor in the Spanish-American war. The steel shield of the guns taken from the Almiranto Oquendo shows where a four inch shell from the cruiser Brooklyn passed through it, destroying the mechanism of the gun behind and killing the Spanish gunners. At the right of these guns are several Spanish con- tact mines,i similar to the one that is supposed to have blown up the Maine. At the left are four more Spanish guns. The third and fourth were brought from Manila by Admiral Dewey. Another was cast in Seville, Spain, in TIT. Probably if has not been fired for more than a century. It was taken from one of the forts at Cavite.
 There are great storehouses for pro- visions and clothing and machinery. On one side of the grounds are the work shops, machine shops and foundries. cooper shops, mold shops, ordnance, build ings, tank sheds, a building for anchor chains, rigging loft, shops for copper smiths and plumbers and boilermakers. It is a great industrial plant. Even the flags and bunting used by the navy are made there. Most of the women flag workers are widows of men who lost their there are great barracks, accommodating, when necessary, several thousands of ma rines.
 On the Cob dock also is large cote of homing pigeons. The first carrier pigeon service of any navy yard was established at the Brooklyn navy yard. One of the most curious attractions is also at the Cob dock. It Is the first boat built in the United States. It was constructed under an agreement with Cornelius S. Bushnell, Rice and others living in New Jersey in 1863 It is cigar shaped and made of wrought iron, 35 feet long and about eight feet in diameter at the widest part. It cost more than $60.000. The first and only experiment with this intelligent Whale" as 1t was was unsuccessful. One of the inventors nearly lost his life. Then 1t was hauled up on land and placed among the relics of the navy depart ment
 In another building is model of every vessel that has been built in the navy yard. The first was the Ohio, in 1917. and the latest the Florida. which was finished only the other day. The
The Birmingham age-herald., 1911-12-31
Used Golden Remedy, The Great Homs
 Treatment For Drunkards.
Ddorless and Tasteless - Any Lady CA1 Give It Secretly At Home In Teas
 Coffee Or Food.
Costs Nothing To Try. /

If you have . husband son. brother. father or friend who s victim of 1quor all you have to do is to send your name and address on the coupon below You may be thankful as long as you live that you did 1t.
The Birmingham age-herald., 1911-12-31
A New Postage Stamp

Philatelists are rejoicing in the pr6e- pect of a novelty that awaits them on January l. the first issue of set of post age stamps of the principality of Liech, tenstein. This little country has hitherto used Austrian stamps. The tiny princi- pality has followed in the wake of the republic of San Marine and the princi- pality of Monaco. in asserting in this way its postal independence" and now the microscopic republic of Andorra is the only European state that has not Its own postage stamps.
The Birmingham age-herald., 1911-12-31
s,s Suits it sa5 5EGm mnx xs14.9O

This is the item that will attract the particular woman the one who knows and appreciates style and quality We are determined to close out every winter suit in stock These suits are of this seasons purchases and should change hands quickly Come in all the fashionable materials and latest shades Undoubtedly the greatest suit offering of this
The Birmingham age-herald., 1911-12-31

With all parties concerned, recognizing the small loan business as a necessary element in our financial system. to be le- galized, regulated and controlled allowing reasonable interest rates and proper su- pervision, and adequately protecting tho borrower from unjust charges and ds- honest practices.
The Birmingham age-herald., 1911-12-31

From the washington Evening Star.
 "A reformer has to be self denying, does he not?'
 ''Yes," replied Senator Sorghum, T have known reformers who when they got into office denied themselves even the pleasure of practicing some of their own reforms"
The Birmingham age-herald., 1911-12-31

A bridegroom at the Breslin Is l.. A. G1obensky of Montreal, who confesses to having turned 70. MT. Globensky married last Tuesday Mrs. Marensky, widow of lieutenant governor of Que bee. and she is a grandmother. They spent the first two days of their honey moon at Niagara Falls. MT. Globensky had been a widower for 25 years. He and his bride have known each other since they were children, and MT. Glob- ensky admitted today that their mar riage would have taken place over 40 wears ago if he had had his way.
The Birmingham age-herald., 1911-12-31

names of the oldest of these boats are quite forgotten now but some of them figure large on the pages of history.
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1911-09-24
-. What makes STARS when we get blow In the eye
I'd. When donkey eats ses why don't the thorn hurt him

While there five questions which answered by con-
testans there but Of the five which winner
he winning question will be made public all
contestants their each
Zach question should be paper
writing side only At the Of each sheet place num-
Der OF the question answered that sheet Be careful your
and address each sheet the lower corner
he art OF saying things simply has long been dying The
purpose OF this contest skill explain clearly question
simple anguageanguage children may understand because is
simple and that gown-ups may read because plain.
he the questions should therefore, explain as
well Answers will be judged according following
points of excellence
Clearness, Breuy Simplicity and 1.-THE REASON Wl4Y'
All contestants thera the Wonder
Why not rthanMo MghtO
from ysource
friends Mk
win l b SIMPLY contest common sens and skill You aH
Application Entry t obigaes in It
you to try for hesepn sin gold
Evening star. [volume] (Washington, D.C.) 1854-1972, 1911-11-08
FOR sALE-H0UsEs.

FOR sALE-TwO CHEAP HOUSES.
the Heights for the price.
Built to sell for s., $50.
Will give you q satisfactory reason for such
Besutifuiiy nniahed: hot-water heat: TILED
BATH: gas and electric lights.
LOCATION VEST or i4TH. opposite /.
stone FAIRFAX. 1a42 New York ave.
FOR sALE.sECgRE THIS RARGAIN;;
the city for tho price,
RENTING ySS SO 4 MONTH.
LARGE GER sRIe ekp sTABLE.
LOT 44H83.
on v Numbered RED. St. NV south Of F. st.
sroN. + iff K ' iss New Yo4s
FOR sALE-A DECIDED BARGAIN on THE
o1 kEPSGEP on 70 ,s sIaoe ST.
a three q 81 sE :isTy r fstss dwelling
STONE ss., t 1ss ssa ss1 Az,
FOR SALE-CHEAP AT $500.
A 3-story bsy.window brick dwelling on
Irving ST. Columbia Heights. This house Ia
to lose . lot p Of money Ss to make a quick sale
STONE 4 FAIRFAX. 1912 New York ave.
FOR SUPERINTENDENT.
II Is sstisf1 n, 10 OWN nice nice new hoI.'
beautiful mantes: laundry tubs; porches from:
and rear: 20 feet vide: nice rear lot to alley
pETfe sRy s sf itSti1s e! ss% .,.
FOR sALE-A CHEAP PROPERTY.
$1,000.
BRICK I DWELLING s1.dE Mor-w "a HEAT.
GOOD LOCATION WEST OF 9TH ST.
STONE & FAIRFAX. 1912 New York ave.
FOR sALE.eTH ST: NV NEAR 2; ~
FOR S. 500; FORMERLY Held AZ 5000;
STONE & FAIRFAX. 1912 NEW YORK AVE.
FoF En SAhs-; s. ooe 1H HAcH Losr .r7n.cr,v,
LoW.PRicED HOUSES EVER oFFEREn
For SALE N THE DISTRICT OF GoLrM
RANGEMENT, BETTER LocATioN BET
TER THAN ANY HOUSES PRICED Al
two car lines; high and healthful.
of light. air and ventilstion in ali rooms -
They have wide covered front porches You
you could from any room in the house Sn p''~- "
Parior. dining room. pantry and large kitchen
on the first floor: three large bedrooms and .
porcelain tub. stationary washstand and oper
plumbing.
ranges: cellar under the entire house; az
economical furnace.
The side entrance 10 3 great oonyenience
good-sized rear yards: cement sidewalks.
The location is very desirable; all the house.
arc occupied by refined white people: many o.
there are fewer Objectionable features thar
are to be found in any other part Of the city
ton to eer these BEAUTIFUL homes ase at this eI
tremely low price. They should appeal to in
vestors; as they are always rented at figure
that viii pay large percentage on the In
STONE 4 FAIRFAX. 1912 New York ave.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1911-11-08
FOR lighthouses.
UNFINISHED
RENT FROM
SHANNON 4 LUCHS,
S18 18th 1t. NV. N. 23B.
A Quick, Courteous Service.

RENT FROM
SHANNON 4 LUCHS,
718 18th IT,. NV. NJ 23X.
A Quick, Courteous Service
FOR RENr-c431 18th ST. NV; containing
10 rooms tsix be,lrooms); hOt-water heat; hue,
large tiled bath: large concreted cellar; two
vcnience; recently repapered and reiecoratcd
throughout. Unusual value In this exclusive
SHANNON 4 LUCHs, 71s 14th st.
FOR RENT-New s-room house near 18th
and Park road: hot-wafer heat; electric lights
hardwood floors: large porches. There are four
large. bright. comfortable bedrooms, with lux
urious bath, on the second floor. You will like
this home for its excellent Arrangement and
size of rooms: It's brand new. Rent. S47.5O.
SHANNON & LUCHS, 713 14th st.
Just north of Park road; electric lights: hard
wood floors; large porches front and rear; ex-
cellent modern heating system; of the
finest six-ro houses ever erected; inspect 1t
tomorrow. Rent, $31 so.
SHANNON & LUCHS, 713 14th st.
FOR RENT-Facing new Mcmillan Park: 8
rooms and bath; just papered throughout; just
like new house; every modern convenience.
Worth $50 month. Rent, only $4O50. See 1t
NOW
SHANNON & LuCHs. RENTING SERVICE
NJ. 2345. ia 18th st. NV. NJ. 2345
FOR RENT 3O7 ST NV: SIX ROOM
and hath brick: good condition: near four car
lines: rent. $23 per month; white tenant. Ap-
ply 93n 4th nc o.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1911-11-08
FOR RENT-BY MOORE & HILL QNC.).
1888 6 st. NV.

z q HILL (lNC.b
st. NV.
Ed HOUSES.
| 1919 Monroe. Or, b.32 so
IS V, Sr, b. 80 90
1868 10th. Or. b. $3.50
1865 18th. Or. b.. 30. ~
20 Q NV. Or, b. ..31.W
IS Q NV. Or, b. .31.00
$40 Il l av. ST, b. 30.50
1l6 Quincy ne. 7r. bS0. so
1326-28 9th nv, Sr. b30. so
81 Randolph. Or, bSO. so
122 Quincy ne,7r, b30. so
sos Webster NV,
Sr. b. 80. so
134S T. Or, b. 30. so
600 Keefer, Or, b. 80. 80
613 r G Oh I'd,
| 6r. b. 5000
20 I ne. 11r. b. 5000
b. 5000
las T NV. 7r. b. .2S. so
1922 Warder. 6r. b2s. so
lis Seatou. 7r. b.T.5O
6l2 Quincy, Or, b.I.O
sos LIST NV, IT. b. "a. so
lIOI2 10th ne .6r. b2i. so
o3H 9th ne.7r.b..25 so
lf12 r so 7r. h. .25. so
3573 10Th nw.6r. b25 so
500 pod. Sr. b..25.5 so
54S Col I'd. 6r. b. cs 20
10 18th ne, Or. b.. 25.5
l25 18th nj. 81. b. $3.50
| arc 9th ne. CRIBS. so
/; 303S Gamble, Or, b25.5O
lIos.9 III ne. Or. b. %. 90
| 33S nth ne ,6r, b. .25. 90
7O2 10th ne. Sr, b,
garage % 90
i4c5 0tn ne: Or. b.23.5O
612 18th ne. 6r, b. @ 90
:1i93 g se. Or. b. 20 so
757 Gfrard. 6r, b.22.5V
IS I ne. Sr. b. 20. so
isS4 ig y ne nc, or o. b. o. 20. 50
ll3Oi r ne, Or. b. 90. 80
a., 14th ne. 6r. b. 20. 20
ll23o n ] ay.5r.w.1S.O
o6 Seaton ne. store1S.6O
/ .a21 Morse. 6r. b.. is. so
I423 G ne. Or. b. 1880
| 100 HecEman ne. az.
h .l0.SO
1915 A Sc. 5r. b. 1850
HaIlstOn. va 7r.
porches .J6. 90
+ ~ " .1a.O0
1904 Lewis. Or. b.lJ.OO
AGO 18th Sc. Or. b. l5.O
Io3S X az ar. vii. SO
LY FLATS.
a,19 q ar h. % 20
1923 9th NV. list ri.
soS Fla AZ Hr N. an
| 21l? I7fh. 5r. Big. so
% Todd ar h. 81. ON
767 Gresham. Sr. bio. SO
Evening star. [volume] (Washington, D.C.) 1854-1972, 1911-11-08

FOR SALE
HEATED WITH HOT WATER.
Only 81, 800
West Of 9th ST. lot 1Sx95; alley; stories
STONE / FAIRFAX. 1872 New York ave.
FOR sALE-CHEAP HOME OR INVESTMENT
Price, g, 100: on Mass. ave. me-: rooms and
bath fo0a sGH sa SeM York
FOR SALE
ATTENTION! ATTENTION!
sPEoULAroRs. HOME BUYERS. IN
PROFESSIONALLY THE BEST PROPOSE
TON EVER OFFERED IN CENTRALLY 10
GATED NEW HOUSES.
TRACrfvE NEW TWO-sTOR HOUSES
THAT HAVE BEEN l.! BUTT IN WASHING N,
ERE Eci These HOUSES AND SELL:
THEM AT COST IN ORDER TO DISPOSE
$3.50 EACH. ONLY $3.50.
Similar houses in less desirable locations arr
held at S.. $50.
familiar with real estate consider them to b
the most complete and best twostory houses
in the city. They must be inspected to be ap
preciated.
Situated on the vest side Of I'd st. NV.
fronting on Rhode Island ave. and st., II
what is known as the Bloomingdale section
Built up with attractive new houses. Nos
1912. 1S4s. 1850.
Convenient to several car lines, numerous
churches and stores. Within walking distance
Of the business section. government printing
ONCE and other departments.
The arrangement is ideal; two stories; celia
under the entire house. First hoor-Parlor, re
ception hall, dining room and kitchen. Secont
foer-Three light, cheerful bedrooms and
beautiful tiled bathroom, with porcelain tub
nickel plumbing and everything first-ciass.
The houses are finished throughout In hard
wood: expensive decorations; heated by higl
grade hot-water heating plant; lighted witt
gas and electricity; laundry tubs; exception
ally large closets; covered porches, front ant
rear.
Each lot is 20 It. wide by a depth Of 20 It
to q loft. alley.
Notwithstanding the extremely low price thu
owner Is willing to take for these houses-bein,
from s., 900 to 81, 500 less than similar house.
can be purchased for-he is willing to accep
very accommodating terms, as little as $50,
cash, the balance $25 month.
Make an effort to see them at an early date
We are sure that you will admit that thel
are better constructed and mofe attractive
even $4,000.
STONE & FAIRFAX.
1912 NEW YORK AVENUE.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1911-11-08
FOX RENT
ALLAN f. WALKER & CO. Qnc.),
Of

- W.
ALLAN T.. WALL
1888 g
1874 r nw,11r,2b. $50. SO
1s4l 10th nw.1lr2hS3. 80
254s Univ pl, Tor, 2b7O. 90
1902 Q NV, Tor. b. IS. 90
1897 r ! av, Tor, b60 90
1880 21st NV, 9r. b. .55. 90
l145 Park I'd, Or. b. Al. so
1441 GirArd NV,
Tor, b. 80
1853 Park I'd, Or, b. .47.M
31O7 Dumb az, 11r, b45. 90
$50 s NV, Or. b. 1880
1920 COrcoran, Or. b.37 so
2OO6 LIST NV, ar, b.. SO. 80
1870 31st. Or. b. $500
l2O s NV, Sr, b, $3.50
1922 Quincy ne,
7r, b. 80. 30
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