davidaulloa/AmericanStories huggingface dataset:
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

it. It could easily lend 100000 to
small borrowers in Atlanta at legal
rates of interest, whereas these bor-
rowers are now paying the money
| sharks anywhere from to 80 per cent.
a month.
The company lends a man, say $50
at s per cent. He must have two good
indorsers, and must show that he is
able to pay from his salary the sum
of 81 a week for fifty weeks for the
extinguishment of the loan. He must
also show for what purpose he wants
| the money, and unless the purpose is
legitimate, he doesn't get it.
In 400 instances of the loans SO far
| made, part or all of the money loaned
was used to pay off the Indebtedness
of the borrower to the money sharks,
as q result of which these 400 men
have been saved $4,000 a year in in
| terest charges alone.
Thus has the Atlanta Loan and Saw
/ ings Company taken much of the
| cream of the business away from the
money lenders. The borrower now
for smaller sum each month than
| he formerly paid to the money shark
as interest alone.
The result is the money leaders. in
many instances, have cut down their
| interest charges and have stopped is
SUING court processes anu S6IluIIlS IISu
| to Jail for failure to pay their regular
| interest installments. They have be-
come suddenly good, and one of them
even went so far as to approach the
officers of this company and to ask If
| they would let him alone if he would
conf1ne himself within the state law
which permits a charge of per cent.
per month, as interest and makes 1t
a misdemeanor where a higher rate is
| charged.
| The company's purpose is to get
capital enough ultimately to supplant
| every money shark loan thai IS IL
| legitimate. 1t is not regarded as a
| charitable institution in any sense, but
q concern that proposes to make
money and at the same time supply a
| long needed want of the smaller Dor
rover. who cannot get money at the
regular banks even on good indorse-
ment, because they can only pay in
! small weekly installments, and the
regular banks will not accept payment
in that way.
| In addition to solving big sociolog-
| ical problem and doing a great hu-
| manitarian work, the company has
| demonstrated that it can earn s per
| cent. on it's stock and at the same
| time gradually accumulate a surplus
which will add to the stocks value.
A number of cities in various sections
of the United States have written here
for details regarding the plan with a
view to putting it into operation.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
CIVIC LEAGUE
HAS SPLENDID
PLACE At FAIR
UNDER DIRECTION OF MISSES
CHASE, JENNINGS AND MEME
FEE THE LUNCH STAND is 4
MOST POPULAR PLACE.

Under the direction of Misses Chase,
Jennings and NTenefee, the Fairgrounds
Association and Civic League have a
concession al the Interstate Fair
grounds which is one of the interest
ing places to visit. The real purpose
of the booth is to provide funds with
which to purchase equipment for the
kitchen of the Pensacola high school,
where Miss Chase teaches domestic
science to the pupils.
Aside from being a cause which in
terests every Pensacolian, the lunch
stand which is being conducted by
these charming young women is in
teresting from the fact that they are
doing all of the cooking themselves,
and with the latest electrical ovens
and gas stoves they are demonstrating
that the drudgery of cooking is not
altogether unpleasant when it is done
by those who know how.
There are farmers lectures for the
farmers, and all kinds of improved
farming implements are being demon
strated on the grounds, but the lunch
stand of the Fairgrounds Association
is one that is attracting the eyes Of
the women visitors. The delicious
morsels which are served in most at
tractive style, together with the
charming personalities of the young
women in charge makes the lunch
stand of the Fairgrounds Association
most popular one at all hours.
Assisting the young women in the
work are Mesdames. w. B. Ferriss
Robert Galloway. Rowland, William
Hall and F. L. Mayes and Miss Leila
Reese.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
Florida's Governor
Has the Nerve.

After the governors of Alabama and
South Carolina had accepted invita-
tions to attend the Interstate Fair
they suddenly changed their minds
about filling their engagements, feign-
ing important executive business"
when it was known that the ladies
would ask them to be judges at baby
show.
Now the people of this part of the
country had heard good accounts of
these chief executives of other states,
and thought they must have ample
nerve to undertake the task or the in
vitation to preside at the baby show
wouldn ever have been extended.
The ladies are sorry that the gov
errors missed seeing the greatest agri-
cultural show ever held in the south
simply because they could not face a
tent filed with the sweetest babies in
the world. Governor Gilchrist is one
of those fellows who will tackle any
thing once-some have gone so far as
to say that is the reason he is now
governor-and he came out of the baby
show with flying colors.
Everything Governor Gilchrist has
had anything to do with has been d
success, and his many friends hope
that he will sometime go up agains;
the matrimonial game, but in the
meantime he is crowned king of baby
show Judges.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
PUTTING LOAN
SHARKS ON RUN
ATLANTA PLAN WORKING-NEW
LEGAL LOAN COMPANY rs GET
TING THE BUSINESS.

Atlanta's solution of the money
shark problem now depends solely
upon securing sufficient capital to lend
the legitimate small borrower enough
to satisfy his needs, says an Atlanta
special.
That the solution is feasible already
has been proven by the Atlanta Loan
and Savings Company, which within
the four months of It's existence has
placed 472 small loans, averaging less
than $125, and aggregating about $751;
600. Every loan has two good in
dorsers, the borrowers pays interest
and principal in small weekly INSTALL
ments, and the percentage of delin-
quents is as small or smaller than in
state or national banks.
The concern started out with a
capital of $4,000 and has loaned out
every dollar of it and more, too. The
company is preparing now to double
its capital stock, but even that will
not prove sufficient to take care OF
the legitimate business that comes to
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
FRIDAY. NOVEMBER 10. 1911.
Do Away With
The Second Primary.

Governor Gilchrist sounded key
note in his address at the Interstate
Fair when he advocated a change in
our primary election laws whereby the
second primary could be eliminated.
The governors proposition to pro-
vide a ballot on which the voter can
indicate his first and second choice.
while not new, is one that nevertheless
requires the endorsement of just such
moulders of public sentiment as Gov
eknor Gilchrist to impress its import
ande upon the great mass of voters.
The second primary is usually more
expensive to the candidate than the
first primary and it is the contest In
which most of the bitterness is en-
gendered. There is no necessity for
it and it can just as we'll be dispensed
with Oregon has done it and the
result has been most satisfactory.
A ballot can be provided by which
the voter can indicate his first choice
and his second choice for a candidate
vote each. The second choice ballots
will count half vote each. The totals
can be added and apportioned and the
man who receives majority should
be declared nominated.
The plan is simple one which The
Journal advocated several years age
and we are glad to see that men like
tho governor are now urging its adop-
ton.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
AUTOMOBILE
SHOW ENTRIES
THEY WILL CLOSE TONIGHT AT
SIX O'CLOCK AND SHOW WILL
OCCUR TOMORROW AFTERNOON
Ats O'CLOCK SHARP.

Entries for tomorrow's automobile
show will close at 6 o'clock tonight.
Tomorrow afternoon at 3 o'clock the
show will occur at the Fair ground.
Additional entries were made yes
terday as follows:
Jno. E. Stillman-Touring car.
Richard Saunders-Runabout tour
ing car.
L. Hilton Green-Toy tonneau.
DR.. NJ. E. Quina-Toy tonneau.
This is to be a show-not a speed
contest or a decorative display-and it
is open to four classes of machines.
touring car, roadster, runabout, and
toy tonneau. All who have not yet
entered should notify Frank L. Mayes
of their intention to do so not later
than o'clock tonight.
The first prize in each class is $500
gold piece and blue ribbon. The Sec
ond prize will be a red ribbon. An
automobile owners should enter into
the spirit of the Fair and help make
the show a success.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Furnished by the local Office, wealth.
er bureau, United States department
of agriculture under the direction of
Willis L. Moore, chief of bureau,
Washington, d. G.
Pensacola's Temperature Data.
Highest onrecord for November, 81
degrees.
Lowest on record for November. IS
degrees.
Average of the highest daily tenn
peratures for November, IS degrees.
Average of the lowest daily temper
atures for November, 81 degrees.
Highest temperature yesterday, Go
degrees.
Lowest temperature yesterday morn
ing, Sc degrees.
PensacoIa's Rainfall Data.
Normal rainfall for the month of
November, STA inches. ---
Total rainfall this November to Z
p. M, 20 inches.
Total deficiency in rainfall, Jan. 1st
to Oct. 31st., $50 inches.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
Night Schools For
Working Children.

Birmingham Is going forward in i'm
proving its school system in a direc-
ton which is not generally pursued,
yet one which would be of vast benefit
to poorer classes of children in the
cities of the south.
Florida cities would do we'll to in
vestigate this plan of educational work
and experiment with it. 1t is night
schools for the girls and boys who are
forced to work during the day, but
who are ambitious to obtain an educa-
ton.
Many of the children in cities attend
private schools at night and in this
way they may secure an education, but
the cities ought to provide a night
school for the ones who must work in
the day time to provide for them or
others who are dependent upon them.
Birmingham school officials note the
increased attendance in the night
schools with satisfaction, and they
realize that the boy or girl who will
work during the day and will attend
school for a few hours at night is sure
to win in after years.
The larger the city the greater the
necessity for night schools, but there
is need for one in Pensacola. There
are dozens of boys working here who
ought to be in school, but who are
working to help support some others
or themselves. These boys are grow
ing up to manhood without the edu-
cation which they should have to be-
come the best kind of citizens. It is
the city's place to provide a night
school in order to make of the working
boys the best kind of men.
This may not be the time to take up
the subject for actual consideration
but movements of this kind must be
thought about and discussed before
they appeal to the people as being
necessary and The Journal merely
breaches the subject for consideration
by the city and county authorities.
The school money is spent to edu-
| cate the children of school age, and
since the working boys and girls are
| not getting their share of the money il
would appear that some ARRANGEMENT
could be made to establish night
schools for them.
The Journal believes that IL the va
| rious states would provide for night
| schools with short sessions there
| would be little need of compulsory
education law. The financial condi.
| ton of some families makes it neces.
| school officials will do a good service
| by providing schools for them thai
| they may attend after working hours
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
Prohibition in Maine
Continues.

For two months 1t has been I'M
known what the result Of the prohibi-
ton election would be, but the official
news given out this week by Governor
Plaisted of a corrected vote in several
precincts makes the official result 73S
votes in favor of retaining prohibition
in the state constitution.
Governor Plaisted is believer in re-
pealing the prohibition part of the con-
stitution and throughout the country
his enemies and his friends too were
wondering whether he would set aside
personal feeling and do his whole duty,
for it was clearly apparent that in
some precincts fraud was perpetrated
to repeal constitutional prohibition.
Governor Plaisted is a Democrat, and
a good one too, and his action in ac-
cepting the corrections in the vote
cannot fail to commend him to the
people of all classes, for he did his
duty as he saw it when it meant the
defeat of what he thought was right.
Unfortunately the prohibition ques-
ton in Maine is not settled and If the
legislature so wills it the state must
again vote on the question to see
whether the people want to local op-
ton system as Governor Plaisted says
he is convinced that they do.
Governor Plaisted says that If the
vote is as close as that of the last
election, and the heavy voting for
liquor in some sections convinces him
that the state would support a Local
option provision, he will recommend
to the legislature that the people have
chance to vote on the question again
Since Maine has been prohibition fol-
fifty years more interest is taken II
that state on this question than any
other state. There is no way to figure
| on the outcome of the next election
| but it is unfortunate that for another
year a fierce contest will be wageG
there.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

l1me--Z.za Ia, 2:ZS, Z:Z9 1-4.
In this race Golden Gate was with
drawn and Bill Wood, owned by I. A.
Hays, substituted.
Track Officials.
Judge-Gen. Robert Bugg Collins,
Pulaski, Tenn; Hon. Hayes Lewis,
Mariana, Fla, and Capt. j. T. Jett,
Mobile, Ala.
Timers-Mr John Thompson and
Mr.. Jas. johnson, Pensacola.
Starting Judge-T. E. Welles.
Clerk of the Course-Gen. T. Nor
gan.
The entries for today are as fol-
lows:
First Race, 2:1o Pace, Purse 5000.
Tally B, Big. by Col. Gentry; John
Thomas, driver.
Hal Pulaski. s.g., by Eddie Hal; c,
G. Thomas, driver.
Flowers Direct, b.m., by Direct
Star; NJ. Thomas, driver.
Jim Crow, Big, by Col. Lamont; w
P. Dobbins, driver.
Second Race, 2: 1or5tT, SHRDLHSH
Second Race, 2:15 Trot, Purse $500.
Thimble, br.m., by unknown; c. c.
Thomas, driver.
Early Bell, s,h.. by Egotist Bell; John
Thomas, driver.
Maj. Coastman, bril-, by Coastman;
John Amos; driver.
High Art, br.h-, by Gambetta Wilks
T. A. Hays, driver.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
AWAY GOES PlMPLES,
BLACKHEADS, ECZEMA,
DANDRUfF AND OTHER
SKIN AFFECTIONS
WHEN ZEMo AND zEMo SOAP ARE
USED,

The Crystal Pharmacy says, 1--WE are
so confident that ZEMO and ZEMO
SOAP used together will rid the skin
and scalp of infant or grown person
Of PIMPLES, BLACKHEAD, ECZE-
NJ, DANDRUFF, INSECT BITES or
any form of itching, irritated, disfigur-
ing skin or scalp trouble, that we do
not hesitate to recommend these clean
refined remedies to every person who
desires quick relief and a cure from
any form of aggravated skin or scalp
affection. Oftentimes one bottle and
one cake of soap will cure a. minor
case of skin trouble.
ZEMO and ZEMO SOAP produce
sure and swift results. You will not
suffer another day after you commence
to use them. You will feel like a new
person.
ZEAIO and ZEMO SOAP can be OBJ
tanned from one leading druggist in
every city or town in America and in
Pensacola by The Crystal Pharmacy
Brent building.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

DR.. W. H. Wiley, the food expert,
was talking at a luncheon in Washing
ton about a food adulterator His
first offer" said DR.. Wiley, sounded,
on the face of it, fair to the public,
but it was in reality as unfair as the
offer of the divorce. A wife, after the
willing TO loan you the baby half of
the time 'Goodn said he, rubbing his
hands. Splendid Yes she resumed,
you may have him nights Wash
ingtoR Star
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
Fiorida's Boys
Are Winners.

In one sense of the word there is no
real glory in the fact that every mem
Der of the University Of Florida win
ming football team is resident of
Florida, but even the people who are
not interested in this sport have
enough state pride to know that such
IL the case.
Every leading state college nearly
always has a football team. but it is
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

rarely the case when every member
of the team comes from the state
which it represents. Until this year
Florida has not been heard Of very
much in college football circles and 1t
is source of satisfaction to know
that the first records that were made
by the University of Florida were by
Florida boys.
Florida is coming to the front in
every avenue of enterprise and it is
only natural that the growing colleges
and. institutions should become con-
tenders in the college sports with
other southern schools.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

The Journal has said several times
that any person with comomn sense
could tell that the text book uniformity
law was a good one by the prices of
the books, but the Tampa Tribune
comments thusly, which is sound
sense: when we want actual evil
dences of the BENEFITS of state uni
formity of text books we have to go
no further than to our local book
dealers. There are the books and
there are the priees-and 1t requires
only a reference to the list of prices
obtaining prior to the present year to
learn the exact difference. For exam
pie, a geography which has been
adopted for the state is now sold at So
cents. The price of the same geogra-
ply, prior to the state uniformity
adoption, was SIPS. And the book is
identically the same in every particu-
lar. This is a difference of thirty
seven cents in one book alone. And
the reductions are proportionate in all
the books now in use. It doesn't re-
uuire an extended series of newspaper
articles to demonstrate these things
any interested person may ascertain
the truth for himself by calling at the
nearest book store"
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

The friends of Judge Parkhill are
trying to influence him to run for con-
gress from the state at large instead
of running against Dannitte Mays. It
is believed that he would win in a
walk-Ocala Banner.
Judge Parkhill could probably be
easily elected congressman at large,
but the Banner Is mistaken in as
suning that either he or any friend
of his wants him to run for that po-
sition. He is going to be candidate
from the Third congressional district
to succeed Hon. D. H. Mays and his
friends have no doubt that Judge
Parkhill will be elected.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Free trade between the states of the
Union is so desirable and satisfactory
that there is no reason why it should
not prove satisfactory with foreign
countries, with just enough tariff to
run the government
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Uncle Joe says he thinks Taft will
win, but the average man thinks Uncle
Joe is either joking or lying.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Taft's own state is against Repub.
lican rule and went Democratic.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Pennsylvania is getting progressive
which shows that Connie Macks work
is affecting the whole state
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

All Florida would help Jacksonvill,
get the Democratic national conven
ton next year.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Kentucky is once more in the Dem
ocratic fold and she is back wher,
she belongs.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Just as soon as Luther Burbank
makes an odorless guava We'll ask hiEa
to work on painless corn.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

President Taft slept while his train
passed through Washington, but that
is not the first time he has been asleep
on the job.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Economy practiced at the wroni
time is the greatest extravaganza.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Pensacola is the place for big league
ball players to train during the winter.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

The two governors who failed I
show up won't have many babe
named after them.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Pensacola's fairest of the fair are
opponents of domestic science.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Even in this country Italians are re.
fusing to take Turkish baths.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Judging from the favorable comment
by the visitors to The Journal booth
The Journal is one of the necessary
things to the complete happiness OF
West Florida and Southern Alabama
people.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Today is Children's Day at the Fair
but everyone is a child while doins
the Fair.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

New York goes Republican one time
and Democratic the next-it will be
Democratic next year.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Florida soil will raise cane to bea
the band.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10
LARGE CROWD
ENTHUSIASTIC
OVER FINISHES
THE ELK WINNER IN THE 2;F7
PACE AND ETHELGo WINS IN
THE 2:1s TRoT, AFTER A HARD
FIGHT WITH REFINEMENT.

The racing yesterday was Of high
class and interested the large crowd.
In the 2:17 pace The Elk was the win
ner with Nellie c second and a sharp
contender. In the 2:16 trot Ethelgo
was on her good behavior and won in
three straight heats. but had little the
best of the good little mare Refine
ment, who made the winner extend
herself to reach the wire in front. All
the finishes were close. The concert
by Barkoot's band was of high order
and entertained the grand stand crowd
between the heats. Today's races
promise to be the best of the week.
Some fast ones will start and judging
by the wagers made last night between
the owners every heat will be for
blood
The results yesterday were as fol-
lows:
e. First r ce2, :1THRDSULHSSHS
First Race. ply bana Btrea 5000.
The Pensacola journal. (Pensacola, Fla.) 1898-1985, 1911-11-10

Railroad news is interesting to Fair
visitors.
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1911-04-02

Do not wait untiT alter EASTER now
Select yoW Easter Hat Monday While the
newest ard freshest of aIl the authentic
Paris shapes are shown. Join the style
Omaha daily bee. (Omaha [Neb.]) 187?-1922, 1911-04-02

Of rock and miscellaneous material OBJ
tanned from the steam shovel excavation
at various points along the canal. The
top and upstream slope will be Thoroughly
riprapped.
The spillwsy Is concrete lined opening.
LOO feet long and 800 feet wide. cut through
hill Of rock nearly in the center OF the
dam, the bottom Or che opening being ten
feet above sea level. During the construo-
ton Of the dam all the water discharged
from the Chagres and its tributaries will
flow through this opening. When oonstruo-
ton has sufficiently advanced 10 permit
the lake to be formed, the Hplliway viii be
closed with a concrete dam. fitted with
gates and machinery for regulating the
water level OF the lake.
The water level OF Gatun lake, extending
through the Culebra cut. viii be maintained
az the south end by an earth dam connect
ing the locks az Pedro Miguel with the
high ground 10 the westward. about L. Tao
feet long, with It's crest at an elevation los
feet above mean tide
small lake between the LOCKS at Pedro