davidaulloa/AmericanStories huggingface dataset:
Cresco plain dealer. (Cresco, Howard County, Iowa) 1913-1945, 1916-05-26
the FIRST SAVINGS BANK A CENTURY AGO At
As-ss@@1 ~ RurHWELL

dfty of these banks west Of Buffalo
and South Of Baltimore.
According to latest reports, there are
634 banks of the mutual type. located
rs follows: Maine, 4S; New Hampshire,
40: Vermont. 81: Massac husets, 100;
Rhode Island. Is; Connecticut. "a; New
York. 40; New Jersey. 20: Pennsyl-
vania. 10; Delaware, 2; Maryland. IS:
which accounts for all but "a In the
United States.
The deposits In these six hundred
banks total $3.9l5, 626, 100. Of which
81, 7OO.63 ,786 is In New York, followed
BY Massachusetts, with $881. z16, $50.
In depositors New York Likewise leads,
having 3.l14.24O depositors, while Mas
sachusetts has 2,249S24.
These figures do not include the
stock savings banks, Of which there
are upwards Of 1900 in various parts
Of the country. nor banks Of discount
operating savings departments. Nor
is 1t to be inferred that one Is better
than the other; but the Centennial cele-
bratiOn which commentaries Z CEN
fury Of savings banking Is to do honor
to the mutual savings bank with NO
disparagement to other types. whose
history Is not so clearly defined, al
though their operation may have done
as great good. In his first message
to the Legislature In 1920. Governor
Clinton Of New York characterized the
savings bank as IAN institution to
cherish meritOrious industry. encour-
age frugality. and to promote the vel
fare Of families. the cause of morality
and the good order Of society" And
he was right. 1t has done all this in
thousands Of instances for a hundred
years and well merits all the honor
and credit that may come to it after
q century Of honorable conduct.
Cresco plain dealer. (Cresco, Howard County, Iowa) 1913-1945, 1916-05-26
FIRST SAVINGS BANK ORGANIZED
IN STONE COTTAGE IN SCOTLAND
Idea Was Not Long In Crossing Atlantic and Taking Root
In Our Virgin Soil-Today Thrift Institutions
Prove the Backbone Of Our Country.

Philadelphia. The plans for the Boston
bank must have been well matured.
for in December Of 1916 the "2rovident
Institution for Savings in the Town OF
Boston" was chartered, being the first
public act of legislation in the world
which recognized the beneficial charac-
ter of the savings bank. This bank In
FIVE years had deposits Of 100000 and
paid one per cent. quarterly.
Following the letter received from
his English correspondent, Mr.. Eddy
and a group Of public spirited men be-
gan an agitation that eliminated in the
Bank for Savings, now located at
Fourth Avenue and Twenty second
Street, New York. hundrsd-million-
dollar bank In the meantime, Phfla-
delphia had been busy. and organized
the Philadelphia Savings Fund Society,
which opened its doors on Monday.
December 2, 1916, being the first bank
Of its kind to open for business on the
Western Continent.
In spite of this early beginning, the
savings bank. as mutua. institution
has remained New England institu-
ton. in that this type Of bank has
never become a financial factor in the
West and South. there being less than
Cresco plain dealer. (Cresco, Howard County, Iowa) 1913-1945, 1916-05-26

Ganized q society to receive certain
sums on deposit monthly. according to
age and to pay the same as pension
after sixty years Of age. In sickness a
weekly benefit was allowed, and on
death q funeral benefit. This was in
substance like our modern "Sick and
Aid Societies SO common among Eu-
ropean nations. But Duncan's plan
was the only one to prove adaptable to
al peoples and to all times. and which
would support itself. His bank would
sustain itself on the earning power Of
money, rather than on the money earn
ing power had accumulated. From the
humble Scottish village the idea spread
throughout England and Ireland and
Scotland until there were over two
Hundred such banks In 1916.
As an outcome of Duncan's bank.
grew the Edinburgh Savings Bank.
which dates from 1914 and which Is
still In existence. 1t was in this bank
that we find the same methods as are
still In vogue, the modus operandi Of
the savings bank having changed but
little In the century past. This bank
issued pass books, the recognized form
OF savings bank evidences Of indebted
ness. 1t was managed by body Of
trustees who gave their services gratis
It paid all depositors the same rate Of
interest. 1t had no stock and cOnse
Quently no stockholders. 1t was mu-
tual institution. 1t sought safety first
and profits afterward. 1t sought the
highest forms Of investment, namely
government bonds.
Owing to the close association be-
tween the mother country and the col
onies, it was but natural that any
movement that succeeded there should
be adopted here and the idea was not
long In crossing the Atlantic.
The new country had its problem of
poverty no less than the old. and in
the endeavOr to ameliorate the condi
ton of the lower classes numerous un-
dertakings were begun. which were
based on the sick and aid society idea
Even lotteries were legalized in the at
tempt to alleviate the current distress
Tammany Hall was originally insti
tuted as q society to afford relief to
the INDECENT and distressed members.
their widows and others" Fully forty
such societies were organized for sim
liar purposes before the advent of the
eavings. bank.
Historians are in doubt as to whom
q due the credit of bringing the idea
over to America. but 1t Is conceded that
Patrick COluuhOun, q London Magis
trate, wrote Thomas Eddy Of New
York letter in 1916. outlining the plan
then in successful operation In Eng
land. A similar pamphlet fell into the
hands of James Savage of Boston In
the same year. and the first public an
nouncement OF n savings bank IN this
country appeared In the Christian Dis
ciple, a small religious paper. in De
cember, 1916. This article stated that
such institutions were In successful
operation in England and Scotland and
that such bank was proposed for
Cresco plain dealer. (Cresco, Howard County, Iowa) 1913-1945, 1916-05-26
HOW TO CULTIVATE THRIFT.

o First learn to distinguish be-
o tween luxuries and necessities.
g You do not need all you think
O you need. and certainly not all
o you buy. You want things be-
O cause you see them-that Is what
o shop windows are for. Second,
o learn to know good value. Learn
O where and when and how to buy.
o Learn to know good meat from
o bad. nourishing from the worth
. less. Learn to Judge clothing
o and shoes. and buy good mate
o rial-it pays In the end. Third,
o keep track Of your expenses.
O Know how much 1t costs you to
o live, and how much you spend
o on various items Of the house
. hold. Limit your pleasure mon
9 ey" and choose wholesome pleas
. ures. If you like the theater,
. learn where to see the good plays
. at reasonable prices, and go con-
. sistently.
Tulsa daily world. [volume] (Tulsa, Indian Territory [Okla.]) 1905-1919, 1916-01-09
RECEPTIONS.


ryouIsffe I'm ifs every detail of APP
roirtr-,rt and decoration Mrs j. L.
Ernsfir,s tcl ON Tursday afternoon
,..s ,r.o of tho largest MS well as most
d,iipntrul affairs i'm which society par
,'.1'r,t'd last week Tho occasion was
,,r,rreI i'm prrscutatiou Of Miss Ethel
f.,..I.io ono of me daughters of the
..r.,r.Il fo os,rirty. hut ON account of
,rr.ss Miss Crosbie was unable to be
,r.s.,t
l,.r'tr tbc setting of the affair I'm it,
s,rr ,.,s grrftr stmplc IL was formed of
T,n ,r,.rrst rnrhnusa blossoms and
,,,. most effective. Palms ferns,
s.,,,l"rp sniIax and plumosis vine
,ybirh drlpcd the doorWays and win
Irv,s ms the rrecucry employed to
E,ir, nut tho color and beauty of the
fI.g.grs used I'm the foreground. and
y,rfrb EXPRESSED the lavender and sun
hurst shades In tho reception hall
clusters of pink dream roses were fav-
Evening star., 1916-10-31
A Danger at 18th and Euclid Streets.
To the Edits OF The Star

To the Edif'8 OF The Star
1 wish TO direct public attention to
the fact that a death trap has been
erected and is being maintained at the
southeast corner Of 18th and Euclid
streets northwest. 1t is the high wall
Hill Park. obstructing the view along
these intersectfng streets Of approach
ing automobiles.
l make no comment on the hideous-
ness of the wall ITSELF but to expend
public money in the erection of a death
trap passes the limit.
Is it to be remarked that IL automo-
bilists will obey traffic regulations
there will be no collisions? But what
protection will that be to an innocent
victim of another's violation of the
regulation? We have expended nun
dreds of thousands of dollars in elm
mating grade crossings, merely to al
low for the element of error in the hu-
man equation.
This offensive wall comes under the
immediate Jurisdiction of Col. w. w.
Harts. office of public buildings and
grounds. War Department, and not un-
der the Jurisdiction Of the District
Commissioners. Surely, II any obstruc-
tion to free access is to be tolerated
there an open iron grill making visible
approaching traffic from either direc-
tion and extending say fifty feet from
the corner would answer every require
ment.
At the foot of the 18th street hill
height mark the site of the lower ex-
tension of the park wall. Should a
sleety sidewalk betray an unfortunate
pedestrian into a fall a most serious
accident might result from striking
rary board covering. at least. should be
provided for public safety.
HERBERT JANVRIN BROWNE.
Evening star., 1916-10-31

get things settled rightly unless you
attenud to them In the right way.
whether it affects labor or capital, that
comes before me IN the event Of my
election propose to get the very last
fact and to understand 1t as well as it
may be understood"
Earlier in the day in the industrial
cities Of Ohio, Mr.. Hughes made the
protective tariff his chief theme of dis
cussion. Before audiences at East Liv-
erpool, Wellsville. 6teubenville. Mingo
Junction, Dennison and GAINESVILLE the
nominee declared that America was not
prepared to meet the commercial COM
petition Of an energiEed Europe after
the war, and that American industry
would suffer in those days were 1t not
protected.
Evening star., 1916-10-31

Women's Flannelette Night
gowns, extra heavy quality
pretty pink or blue stripes. We
or high necks. Sizes IS, 10, II.
Palais Reimbursement Store.
Evening star., 1916-10-31
N. U. Law Class Elects Officers.

Officers of the second-year class of
the National University School of Law
were elected as follows last night at a
meeting in the college building: e. L.
Springer, president: John A. Holmes,
first vice president: John r. Hummer.
second vice president: S. L. Struble. re-
cording secretary: +. w. Howard, cor
treasurer; q. e. N Harris. sergeant-at-
arms and J. F. Randall. historian.
Plans are being made by the class
for a series of lectures. Secretary Will
son of the Department Of Labor Is to
be invited to deliver the nrst lecture.
Evening star., 1916-10-31
Audience Waits Long.

The nominee was due to address his
audience here at 8 o'clock. Instead he
began his address at GAS. A long torch
light parade, which he reviewed and
crowds of republicans from every sec
ton of Ohio, which choked the streets
between his hotel and Memorial hall
caused the long delay. The last of the
audience had been in their seats, wait
ing, two and one-half hours when he
began to speak. The early arrivals
had been sitting nearly four hours.
Thousands of persons who could not
gain entrance to the hall were ad-
dressed outside in overflow meetings by
other speakers.
rade packed the greater portion OF
Capitol Square, opposite the hotel
where Mir. Hughes was staying The
nominee reviewed the parade for an
hour and a half and left it still pass
ing. Scores of bands participated. For
four. blocks between the hotel and the
hall the crowd was so dense that Mr..
Hughes car had to creep at snaiIs
pace. block from the hall it came
to stop in the jam. surrounded by
thousands of persons who called on
him for speech. He finally arose.
Il would like to speak to you," he
said. but l cannot do SO. The crowd
in the hall has been waiting a long
time and my voice is poor
They cheered this and the police
finally extricated his car from the
throngs With a squad of policemen
leading the way, the car finally reached
the hall.
Evening star., 1916-10-31
MR.. HUGHES TOURS
CITIES OF INDIANA
Goes Into the Hoosier State
After Spending a Strenuous
Day in Ohio.
ANSWERS WILSON SPEECH

By the Associated Press.
COLUMBUS Ind, October 31.--Charles
E. Hughes today told a heckler that he
every American right. including the
right of travel and the right of ship
ment. Mr.. Hughes had been asked If
he favored an embargo on munitions
or the passage of resolution by Con-
grcss warning Americans off merchant
ships dying the flag of belligerent ma
tiona Isl id
Mr.. Hughes spoke in the open air here
before crowd that had come for miles
to hear him, and choked the streets
around Commercial Park. He was
speaking of the competition American
enterprise will have to meet from Eu-
crowd shouted:
Gives Heckler a Chance.
MIR. Hughes, as a personal admirer,
may l ask you a question:
There was the usual confusion resulting
from an attempt to heckle. The nominee
asked the crowd for quiet so that the
questioner might proceed.
in the event of your election the
man asked, will you or will you not
favor or oppose an embargo against the
shipment of munitions from this country
to Europe, or the passage of war reso-
luton warning Americans not to travel
on ships owned by nations at war;
T. SIR the nominee replied, "am in
favor of the maintenance of every right
including the right of travel and the right
of shipments. 1t is a very important
right that we have as a neutral nation
and it is very important that at this time
when the great war is raging we should
vindicate neutral rights and maintain the
integrity of international law. To my
mind it is very thoughtless policy that
would surrender any of these important
rights because of any sentimental con-
sideration, when we have the vast neces-
sites of neutral commerce and the i'm
portance Of the right of neutrals to con-
slider with respect to the future of the
United States"
The crowd cheered Mr. Hughes and the
heckler shouted: Thank you"
Evening star., 1916-10-31
Clachan Serge, N
Standard at 121lc. VVC

Excellent for school dresses,
house dresses and boys
blouses; checks and stripes, in
blue, black and white.
PalAis Royal-Basement Store.
Evening star., 1916-10-31

Women's and Misses Good
Quality Felt Sailor Hats. A
variety of colors also various
other shapes included. Values
to $1.o8, for only 6oc.
Palais Reimbursement Store.
Evening star., 1916-10-31
Three Speeches on Program.

Mr.. Hughes reached here from Column
bus. Ohio. where he remained until early
this morning and faced a program that
called for three speeches during the
day and one tonight at Evansville
He remained here an hour. leaving at
$50 am. for Bedford, his second stop
At Washington, where the nominee is
to speak late today. he is to remain an
hour before leaving at 4:25 for Evans
vile. Mr.. Hughes will spend the night
at Evansville.
Mr.. Hughes presence in Indiana to-
pearance in the middle west before
election. His program tomorrow calls
for speeches at Sullivan, Linton, Bloom
ington, Brazil and Terre Haute He
viii leave Terre Haute at 9 o'clock to
continue his campaign in New York
state.
Evening star., 1916-10-31
or:f$sa5s (:sna ss;ts, $3.50

Gentlemen who will make comparisons will ndorse
the statement that of the Suits and Overcoats here
special $175oequal the average clothing retailing
at $3.50 to $780,
New styles for the young fellow and conserva-
tive And perfect fit for the slim, the regular, the
stout, the short and tall.
Drop in-and slip into suit and overcoat-and let
your Feeling" of perfect -and the tell-tae mirrors
in one of the little private rooms-be convincing.
And more-rely upon this New Mems Shop guaran-
tee of full reparaton if the future service should de-
velop weakness in any respect.
The New Mems Shop-a street floor shop-wth dis
tinct enrance-on G. street-two doors east of Eleventh.
Evening star., 1916-10-31
Note---Best Rugs Only


Fetterolfs Wilton Rugs, Cashmere Wilton and 3 Shot
Wilton Velvet Rugs Stephen Sanfords Beauvas and Bige
low Hartford Electra Rugs Alexander Smiths Kran Yonk
Carlton Seamless Administer Rugs all in big selection
of the designs and coorngs blues brown
in effects, oriental and conventional designs.
Palais Roya-Second Floor
Evening star., 1916-10-31
New Full Flare Dresses.
New Box Pleated Dresses.

fe,v of tbese-have touches of embroidery. of
The ~ newly M wider belts and collars are also fea-
The paiais Royal Basement store-s Elevators.
Evening star., 1916-10-31
To Men Who Vote :. Tip

Everything here-from the travelling cap to the bag
containing the furnishings. Ask to the Domet Flan
mel Pajamas with Silk Military fastenings, at so.
Evening star., 1916-10-31
For Honor, Not War.

What an extraordinary assertion 1t
is to say that any one who critfcises
the policies of the administration must
be in favor of war;" Mr.. Hughes said.
"a vote for me does not mean vote
for war; but it does mean vote for
maintaining American rights through
out the world. Therein. l think, lies
the sure pathway to national honor,
moral influence, international prestige
and of a lasting security"
After reiterating his Views on the
tariff. Mr. Hughes said:
LAS look upon the America of the
future the question is not at all what
office you hold. There are some people
who think that il is a great thing to
hold high office have held some high
offices and l have been in a position to
observe affairs. and l tell you that the
office means the burden of responsible
ity every moment and there isn't
any satisfaction SO far as can see in
having anything to do with public Of
flee except with the idea that you are
helping things ahead and dealing with
things that are of some service and
of some benefit to your fellow man,
That Is all there is to public service"
Would Get the Facts.
The nominee again assailed the ad-
ministration for the enactment of the,
Adamson law.
The great object" he said, ''is to get
things settled rightly and you cannot
Evening star., 1916-10-31

Dainty stripes, checks or.
plaids, in pink, blue. tan COM
b;nations. Any length you de-
sire up to 20 yards.
Palais Royal-Basement Store.
Evening star., 1916-10-31
Replies to President Wilson.

COLUMBUS, Ohio, October 81
Charles E. Hughes last night replied to
President Wilson's speech at Shadow
Lawn last Saturday. Mr.. Hughes re-
ferred to the occasion as "a little fes-
tival of Disqualification" among "our
opponents" in which they celebrated
the birth of freedom and described
themselves as the generous forces of
the age and world"
The eulogy needed one further
touch, Mr.. hughes declared, "and that
was to celebrate the policy that led to
the slaughter at Vera Cruz and Car
rizal.
The Underwood and Adamson bills
were characterized as being in the
whimsical domain of topsy-turvydom'
and may be hailed as the guardians of
American enterprise and American la
bor-" Business had been placed, as it
was claimed, on a different footing, Mr..
Hughes said. And it is very slippery
footing" he added.
Mr.. Hughes declared his opponents
were "a little out of their reckoning"
in claiming that business had been re-
lieved of a nervous fear of the courts"
that what business really feared was
vague legislation" "two-faced laws"
government by hold-up" and IAN ad-
mins.ration which treats business men
as SuSpiciOuS characters.
The Kendrick gazette. [volume] (Kendrick, Idaho) 1892-1968, 1916-05-26

in after school and make up such
work. Consequently very few
questions are ever missed. The
motto of the school is Work, hard
work" We feel that parents
should receive as great returns as
possible for the sacrifices they make
to educate their children.
The board Of education here H.
A. Russell, L. J. Southwick, and j.
R. King-deserve much credit for
the fine progress the school has
made in recent years. They have
worked tremendously together for
the upbuilding of the school. j..
Students are drawn from three
counties-Nez Perez, Latah and
Clearwater. Eight school districts
represented.
The Kendrick gazette. [volume] (Kendrick, Idaho) 1892-1968, 1916-05-26

formers acquitted themselves like
professionals. This was especially
pleasing because practically no time
had been taken away from regular
school work in preparing for the
occasion.
Sunday morning Rev. B. Gallaher
of the M. E. church preached the
class sermon. Rev. G. w. Benja-
min, after short talk to the stu
dents. delivered the diplomas.
1t is doubtful whether any high
school in the state has made more
rapid progress during the last few
years than has the Southwick high
school, The attendance has in
creased eighteen hundred fifty per
cent during the last five years, an
annual increase of over three hun
dred fifty per cent. The standard
of work and department has been
very high. Nothing below ninety
is considered a passing grade. Very
few of the students have fallen as
low as ninety in their daily grades.
One invarariable rule of the school
has been that any student who fails
to answer question or to do all
the work assigned him must remain
The Kendrick gazette. [volume] (Kendrick, Idaho) 1892-1968, 1916-05-26
Southwick News

The schools here closed last week.
Commencement exercises began in
the M. E. church Thursday evening
with an address to the graduates by
Elk. Senator. Geo. E. Crum of Lewis
ton. Every seat was occupied and
standing room in the aisles was at
a premium. But the large audience
gave perfect attention to every
word. The Senator's address was
one of the very best and most ap-
propriate speeches ever heard here.
Every sentence, every phrase, every
word was fraught with meaning,
and directed right to the point.
On Friday evening the class plays
and otter class exercises drew the
largest crowd ever seen in South
wick on an occasion of this kind.
There were perhaps a hundred peo-
pie turned away, unable to gain
admission. There was not "hitch"
in any Of the exercises. The per-
The Kendrick gazette. [volume] (Kendrick, Idaho) 1892-1968, 1916-05-26
Little Bear Ridge Items

Harriet Benjamin went to Mos
COW Sunday to spend the summer.
Elmer Mathes was a visitor at
Emmett Harrisons Sunday.
Arlie Benjamin, who has been
working on Driscol ridge, spent
Sunday with his parents.
The Fowler boys are hauling hay
for Steve Roberts this week.
Fern Arnot and Leslie Frizzell
were visitors at Mr.. Benjamin.
Monday.
Mr.. and Mrs. Frank Green of
Troy were guests of Eli Harris
Sunday.
The Kendrick gazette. [volume] (Kendrick, Idaho) 1892-1968, 1916-05-26
Juliaetta Items

Miss Daisy Zeigler of Charleston
was guest at the home of Mr.. and
Mrs. Manford Mutt Saturday and
Sunday. Miss Zeigler is Junior
in the high school at Charleston.
Miss. Zeigler shipped by express
from our valley some very pretty
evergreen decorations to be used by
her class in the entertainment of
the Seniors at the close of school.
The ball game between Juliaetta
and Genesee last Sunday, played on
the Genesee ground, resulted in a
victory for. the former team: /.
Chas. Chandler will sell garden
produce and fruit again this sum-
mer at Troy and other places. He
will make the initial trip for this
season to Troy Wednesday.
The Kendrick gazette. [volume] (Kendrick, Idaho) 1892-1968, 1916-05-26

her Tuesday afternoon with lots of
good things for lunch. A good
time was enjoyed by all. Mr.. Hoff-
man says, He won't object if they
serve him the same way on his
birthday.
Mr.. Davis little son fell from
the fence and broke his arm. DR..
Hoyt was called to care for it and
he is doing nicely.
The Mothers club met at the
parsonage Thursday afternoon.
There were eight members and four
visitors present. The topics dis
cussed were: "How to Prevent Ty-
phoid" and Feeding and Care of
Babies During the Summer
Months. There were a number
of good thoughts brought out on
these lines.
Mrs. Black is visiting with Mrs.
VIM. Blackington.
Dan Dawes is having a we'll put
down at his home.
Mr.. Hall spent the day in South
wick, Tuesday.
Mrs. Stevens is visiting her daugh-
ter, Mrs. Ralph Roberts.
The Sunday School is preparing
a Children's Day program to be
given the first Sunday in June.