davidaulloa/AmericanStories huggingface dataset:
The Tupelo journal., 1916-07-07

gained a society to receive certain
sums on deposit monthly, according to
age and TO pay the same as a pension
after sixty years of age. In sickness a
weekly benefit was allowed, and on
death a 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
all 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
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 a body of
trustees who gave their services gratis.
1t paid all depositorS the same rate of
interest. 1t had no stock and conse-
quently no stockholders. 1t was a mu-
tual institution. 1t sought safety first
and profits afterward. 1t sought the
highest forms of investment, namely
government bondsa
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 IN
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 a 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
savings bank.
Historians are in doubt as to whom
is due the credit of bringing the idea
Over to America. but it is conceded that
Patrick Colquhoun. a London Magis-
trate, wrote Thomas Eddy of New
York a 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.
Snouncement of a 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 q bank was proposed for
The Tupelo journal., 1916-07-07
THIS COUNTRY SOON
MUST FINANCE ITSELF
People Should Realize Thrift
at Home Is Necessary.

One hundred years ago the first saw
ings bank In the United States was es-
tablished. The advent of-this institu-
ton came with the era Of commercial
and Industrial expansion. 1t came
when the population of the United
States was only 100000. and there
were but 246 banks in the country. BY
1920 ten of these savings banks had
been established with $685. depositors
and aggregate deposits Of $1,13S,576.
Prosperity came, the people saved
and the deposits in these great reser-
voirs Of capital, which now number
2,100, by leaps and bounds increased to-
enormous proportions. To-day. with
our national wealth approximating
$751;, 0o0,000,0 900 and almost n hun
dred millions of people in the country,
we have about 81, 700,O00,000 in the
savings banks belonging to ten and a
half million depositors. This may
seem an amazing sum of capital and
number of depositors, but when a COM
parison is made with other countries
and a balance is struck it is found the
United States is near the end Of the
list in the percentage of saver to pop
ulation.
The possibilities for the greater pro-
motion of habits of thrift and saving
among people are indeed eXtraor-
binary. With remarkable op%portuni-
ties in the United States for increas-
ing foreign trade; with bumper crops
in every section of the country; with
gold pouring into the Golfers Of the
banks; with every appearance Of I'M
precedented future prosperity, the fact
is apt to be disregarded that the other
great commercial nations of the world
are involved in a war Of frightful de-
struction and economic waste; that aft
er the war these nations will need
funds for reconstruction and the Unit
ed States will be called upon to sup
ply them; that for some time to come
this country will not be able to secure
capital, as in the past, from France
and Great Britain, for the purpose OF
carrying on new enterprises. The
United States must finance itself.
No fear need be had for the imme-
date future. but it is inevitable that
the time is coming when this country
must meet the test of financing prac-
tically the entire world. Preparations
are being made for defense in the
event of war; preparations should also
be made for peace. Adequate credit
machinery can be developed and per-
fected, but it will assuredly require a
sufficient amount of capital to main
tain properly and keep in good running
condition this credit machinery.
How is this capital going to be Sc
cured! Through education, by calling
the attention of the people to the lack
Gf Thrift Ill the country, and the bene
fetal results of practicing thrift;
through Il systematic nation wide cam
paign to promote thrift and saving. 1t
surely is to the interest of all citizens,
whether banker or business man. edi-
tor or professional man, employer or
employee, to be a party to such a move
ment.
This is the object of the nationwide
campaign instituted the first Of the
year by the American Bankers Asso-
citation.
The Tupelo journal., 1916-07-07
How to Screen

Jackson Miss, July M
of the screening that is done is
Ineffective. An idea prevails
among many people that screen
ing of doors and windows of a
residence gives all Necessary pro-
lection so far as this particular
measure is concerned, against
flies and mosquitoes. The door
is screened often with a crack at
the bottom. which admits flies
freely. or in time it becomes
punctured with holes. through
which they gain access to the
home. In a sense, this kind of
screening causes the inmates of
the home to live with a feeling
of false security. In other words.
whenever screening is done in a
careless manner, whether it be a
home or a restaurant or a hotel,
it permits flies and mosquitoes to
enter, and when these disease
carrying insects once gain admit
lance, this kind of screening
prevents them from escaping
from the house; in other words,
it serves as a trap instead of a
protection.
Screening to be effective should
be done with care; no cracks
should be left around the screen
door or window, even the small
est Opening will be found by a
blood-seeking mosquito or a filth
carrying fly. The wire gauze
should have 16 to 18 meshes to
the square inch. Even a IA mesh
wire gauze will allow small mos
quitoes to enter, unless it is
painted. The twelve inch wire
gauze should never be used.
This serves to protect against
flies, but not mosquitoes.
During the summer months it
is desirable to have a portion or
all of the porch screened, as it is
usually the custom for all people
to sit on the porch in the even
ing during the summer months.
AS malaria is spread by a certain
kind of mosquito which usually
bites only at night, it is necessa-
ry to use special precautions be-
tween dusk and sunrise. Every
home should be protected against
flies and mosquitoes by effective
screening. When people live
without such protection it is
shown that they spend more
money in doctors bills in one
year because of this. than screen
ing costs.
Likewise all restaurants. hotels
and meat markets should be
screened carefully in order to
protect food against the disease
spreading house fly.
W. S. LEATHERs. M. D.,
Director pnhlic Health.
The Tupelo journal., 1916-07-07
HOW TO CULTIVATE THRIFT.

o First learn to distinguish be-
o tween Injuries and necessities.
. You do not need all you. think
o you need. and certainly not all
o you buy. You want things be-
. cause you see them-that is what
.. 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
Q 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
o hold. Limit your pleasure mon
o -ey" and choose wholesome pleas
o ures. II you like the theater,
o learn where to see the good plays
o at reasonable prices, and go con-
. sistently.
The Tupelo journal., 1916-07-07
RUB-MY-TlSM

Will cure your Rheumatism
Neuralgia, Headaches, Cramps,
Colo, Sprains, Bruises, Cuts and
Burns, Old Sores. Stings of Insects
Etc. Antiseptic Anodyne. used in
ternally and externally. Price Csc.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
FAMILIES SPLIT
ON CAMPAIGN
Wives of Wilson Supporters
Will Take Stump For
Gov. Hughes.
DIVERTING CAMPAIGN PHASE

hingtOn.-FamilieS are being di-
vided by the present political issues.
Here are a few examples. J. A. III.
Hopkins of New Jersey is treasurer
of the Progressive (genuine) national
committee, and has announced that
he personally favors the reelection OF
Wilson. Mrs. Hopkins is member
of the WOman'S party and VIII take
the stump and do all she can to
prevent the election of Wilson.
Clifford PinchOt is for Hughes and
all the militariSm Hughes and his
backing can secure. Amos PinchOt,
his brother, is member Of the
American Union Against Militarism
and will support Wilson as the lesser
Of two evils. Rep. William Kent OF
California is wild-eyed enthusiast
for Wilson and is heading a Wilson
nOn-partisan league, while Mrs. Kent
is member of the Woman's party
and will stump for the defeat of Will
son.
George Middleton has allied himself
with the group of writer's who have
announced themselves for Wilson,
while his wife, FOla La Toilette, is one
of The members of the Congressional
union who will hold Wilson respOn-
sible for the defeat Of the Susan B.
Anthony amendment. Meredith Mich
olson is a Wilson supporter, but Mrs.
Nicholson will write and stump
against Wilson on account of his at
titude toward the federal suffrage
Amendment. Mrs. Louis f. Post is a
member of the Womans Peace party
and an ardent Tolstoyan pacifist.
Louis f. Post, assistant secretary OF
labor, is for the Administrations
reasonable" program of prepared
ness.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
POPULAR HUGHES CAMPAIGN
FUND

The plan adopted by Cornelius n.
Bliss, Jr., treasurer of the Republican
National Committee, to raise money
for the campaign and increase the
force of active workers for the cleo
ton of Charles Evans Hughes to the
presidency has peculiar merit. Mr..
Bliss asks every one who favOrS the
election of Mr.. Hughes and wishes him
to have the support Of a Republican
Senate and House to contribute $40
and become a sustaining member of
the Republican party. All such will
receive a certificate of membership.
That the money will prove a good in
veStment is patent. 1t will help to Sc
cure for the country more efficient
administration of our national affairs,
which is necessary if the prosperity
and influence of the nation is to con-
tinue.
"There are at least 100000 Repub-
licanS, but how many of them have
any evidence they are, beyond the con-
seriousness that they have voted or
will vote the Republican ticket? The
work is done by few and the money
ordinarily is provided by fewer. Mr..
Bliss plan offers cure for that con-
dition. Help the cause and get a GER
tificate of membership that will estab-
lish your party utilization. 1t is not
expected that all the 100000 Repub-
licans will give SO each, but if a
gOOdly number who can afford it do
so there will be great many more
able to give much more than $40 next
time because Republican success will
mean to the country in fullest measure
preparedness, protection and perma-
nent prosperity.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
Mr.. HUGHES ANSWERS.
Those Who CIamored for His Views
Are Hearing Them.

Those friends of Democracy who
.lamored so loudly for Mr.. Hughes,
opinions upon current issues while
ne still held the high office of JUSTICE
IF the supreme court, are now fully,
answered by the private citizen, who
surrendered his judicial position to-
accede to the wishes of a majority OF
the people as expressed through their
instructions to their delegates to the
Republican national convention.
Mr.. Hughes has not disappointed
those who have reposed confidence in
his character and judgment. In his
speech of acceptance he has clearly
set forth the vital issues upon which
the Republican party proposes to
conduct the campaign this fall. On
the platform he is telling the nation
wherein the present administration
has been at fault and what is neces-
sary to be done to restore the United
States to the place of respect and
honor to which it is entitled IN the
eyes of the world.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
G. w. CHINOOK, President.
JAY GRIMM, Secretary.
=. D.ENSIGN, Treasurer
STATE NORMAL SCHOOL
RIVER FALLS, WIS.

Special courses of study are pro-
vfded for High School graduates
as well as for those who have
completed the common schools and
grades in city schools.
The Diploma of the school be-
comes a Life State Certificate af-
ter the holder has taught success
fully for one year and received
approval of the State Superintend-
ent of Public Instruction.
An Elementary course of two
and one-half years is offered which
leads to the Certificate which is
valid for five years, after the
holder has taught successfully for
one year.
The school has large reference
and textbook libraries and we'll
equipped physical and biological
laboratories. Excellent facilities
are provided for special work in
Manual Training. Domestic Science
Music Drawing and Physical Train
ing.
Tuition is free in the Model
Grades. The pupils in these grades
have the advantages of the cours-
es in Music, Drawing, Domestic
Science. Manual Training and Phys
ical Training.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
MR. HUGHES HAS EXPLODED THE
"KEPT-US-OUT-OF
ARGUMENT.

Mr.. Hughes attack upon the "kept-
us-out-of-war' argument has aroused
a story of enthusiasm.
"Kept us out of warp he demands.
"Why, there were nineteen men-goOd
American soldiers, shot down at Vera
Cruz, and many MexfcanS were killed
by our men. That was war. More
over, it was a very ignoble war.
have heard three explanations q the
Vera Cruz move.
"First, it was explained that it was
made in order to compel somebody
to salute the f1ag-SO1lebOdy who had
lnsulted us. But the flag was not sa-
luted and has not been to this day.
Then it was said that the salute was
not what we sought, but to prevent
the landing of boatload of ammuni-
ton intended for Huerta. The ammu-
milton, landed, however, and it has
been shown that it reached Huerta
in due season without interference on
our part.
"When that reason was shown TO
be untenable third one-and possibly
the real one-fnally was advanced.
1t was said that our seizure of Vera
Cruz was a move to compel the retire
ment of Huerta. It seems possible
that this is true, although we had
promised the Mexicans that we would
not interfere in their affairs and told
them more than once that we wanted
them to handle their own affairs.
''That is why the Mexicans could
not understand us and that is why
they show little faith in our promises"
Read the classified ads.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
THE NEUTRALITY
OF PONTIUS PLATE.

But as soon as the need for
deeds arose, Mr.. Wilson forgot
all about "the principle he held
dear" He promptly announced
that we should be neutral in
fact as we'll as in name, in thought
as we'll as in action" between
the small, weak, unOffending ma
ton and the large, strong nation
which was robbing it of it's SOW
ereignty and independence. Such
neutrality has been compared to
the neutrality of POntius PLATE.
This is unjust to Pontius Plate,
who at least gently urged mod
Grafton on the wrOngdOer.-
From the speech Of Col. TheO-
dore Roosevelt, delivered at
Lewiston, Maine, in behalf of
Charles e. Hughes.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
Editorial Comments.

The Democrats continue TO ignore
Mr. Hughes speeches to the extent
that all they do is to sputter and gasp.
Let it be conceded there are really
strong grounds for the opinion that
President Wilson may carry Texas
next November. If these indications
are taken at their full worth, some
enthusiasts will soon be going out to
bet that the tide will sweep on until
Mississippi and Alabama are also en-
rolled in the Democratic column.
Many big Democrats willing ana
ready to speak for Wilson are care
full that their money shall not say any
thing on his side.
President Wilson says he is utter
~ Indifferent as to his reelection.
Perhaps that explains a good many
things nobody has heretofore been
able to understand.
Help me, Cassius, or / sink y For
"Cassius'' read Congress-"
The notion seems to be that the !
Democratic national chairman is claim !
ing more than he will get, but not any
more than he will need.
AS further evidence that he is warm
hearted and intensely human, Mr..
Hughes likes apple pie. !
No man is going to be elected-or
gained from States rights declara- !
tons this late in the game. The
States rights question was settled
some fifty years ago to the evident
satisfaction of a considerable major
ity.-Kansas City Star. !:
Adequate preparedness is not mill
tarism. 1t is the essential assurance.
of security. 1t is a necessary safe
guard Of peace" Candidate Hughes
has left nothing to be said on this
subject He has snuffed out counter
argument at the very outset. :
Are we AUIGIlCdHS HdtIOA "
bunglars?" asks the New York Sum-.
1t would be very harsh to answer
this in the affirmative-and, anyway,
we elect a Democratic president only
every once in a while. ,
Charles E. Hughes cannot get so far
away from Washington that the men
In charge of the chariot of government
there do not feel the j0lting of his
criticisms. In fact, the Democratic
leaders at the capital city show symp-?
toms of sea-sickness from the way in ;
which the ex-justice of the Supreme
court has shaken them up. Mr..
Hughes is pursuing the only proper
method, which is first to take the
deadwood out of the way SO that the!
path to righteous and propitiOus gov
eminent may be made clear. :
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

The President gets up early during
the hot spell, and there are some who
think he may have to continue the
practice until November if that man
Hughes continues to be so undigni-
fied.-Pittsburgh Dispatch.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21
WILSON'S lGNoBLE, UNSUC-
CESSFUL LITTLE WARS.

President Wilson tok Vera
Cruz in 1914, as we were official
Iy informed at the time, to get
a salute for the flag, and to
prevent the shipment of arms
into Mexico. He did not get his
salute. He did not prevent the
shipment Of arms. But several
hundred men were killed or
wounded; and then he brought
the army home without achiev-
ing either object. President
Wilson sent an army into Mexico
in 1916, as we were informed
at the time, to get Villa dead
or alive" They did not get him
dead. They did not get him
alive. Again several hundred
men were killed and wounded.
Again President Wilson is bring
ing the army home without
achieving his object. Of course
it is a mere play upon words
to say that these were not
"wars." They were wars, and
nothing else; ignobIe, pointless,
unsuccessful little wars; but
wars. They cost millions Of dol
lars and hundreds of lives,
squandered to no purpose; they
accomplished nothing; but they
were Wars.-From the speech of
Col. Theodore Roosevelt, deliv-
cred at Lewiston, Maine, in be-
half Of Charles z. Hughes.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

Eminent Judges" says Colonel Hen
ry WattersOn, "have ever proved dis
appointing candidates." He is right.
Alton b. Parker was big disappoint-
ment to the Democrats. And so is
Charles Evans HugheS.-TOledO Blade.
President Wilson appears to have
been keenly alive to the expediency
of accepting several invitations to
make speeches in the West. Nobody
knows any better than he that it will
take considerable shoveling to fill up
the holes that have been dug in that
locality by Justice Hughes.
1t was John P. st. John of Kansas,
one time Prohibitionist candidate for
president of the United States, who
said that Americans vote as they
cheer. If SO, there is mighty fittle
consolation for the Democratic party
in this campaign, for the Democratic
Administration in three years has Civ
en- us nothing to cheer over. On the
contrary, as Mr.. Hughes has said.
these last three years have been years
of humiliation and embarrassment.
Mr.. Wilson says his mind is pro-
gressive, but those who try to follow
its progress can never tell the direc-
ton it is taking. 1t is just as likely
to be progressing backward as for
| ward.
At Princeton Mr.. Wilson used TO
confer honors upon ID. DIS. He couldn't
break the habit when it came to De-
| serving Democrats.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

Mr. Hughes is seeing how big the
West is, and the West is seeing how
big Mr.. Hughes is. 1t is happy ar
rangement.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

Friends Of Wilson are still trying
to explain what he meant by too
proud to fight But can they tell us
what he meant by 'strict accountable
ity?"
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

Many big Democrats willing and
ready to speak for Wilson are care
full that their money shall not say any
thing on his side.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

President Wilson says he is utter
~ Indifferent as to his reelection
Perhaps that explains a good many
things nobody has heretofore been
able to understand.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

AS further evidence that he is warm
hearted and intensely human, Mr.
Hughes likes apple pie.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

Help me, Cassius, or I sink! !" For
"Cassius'' read Congress-"
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

The notion seems to be that the
Democratic national chairman is claim
ing more than he will get, but not any
more than he will need.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

"Are we Americans a nation OF
bunglars?' asks the New York Sun.
1t would be very harsh to answer
this in the affirmative-and, anyway,
we elect Democratic president only
every once in q while.
River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1916-09-21

At Princeton Mr.. Wilson used tC
confer honors upon ID. DIS. He cOuldn'i
break the habit when it came to De
serving Democrats.