davidaulloa/AmericanStories huggingface dataset:
Evening star. [volume] (Washington, D.C.) 1854-1972, 1917-04-29
MAGAZINE SECTION fsv April 90, 1917

known and public-spirited men are con-
nected with them.
None of these -philanthropic small
loan societies are able to lend at low rates
of interest. At the very lowest they must
charge II per cent. year (there is only
one, believe, that charges so little), and
most of them charge from "a to 36 per
cent. a year. The high rate is absolutely
necessary, because, unlike banks, they
have no deposits to lend, and must depend
solely on their own capital. All these
-philanthropic societies are obliged
either to take a chattel mortgage upon
furniture, or else to secure two indorse-
ments of responsible parties.
While the philanthropic concern is
great improvement over the loan shark,
the real way out for wage-earner who
needs to borrow is to become member
of a credit union. Being cooperative
enterprise, and having deposits to lend,
the credit union operates on far cheaper
basis than a private loan enterprise, even
though the latter is conceived in spirit
OF philanthropy. Any small group of men
and women having a common bond can
form credit union under the laws of New
York, Massachusetts, and numerous other
States. The members should either all
live in the same neighborhood, or have
common occupation or other interest. If
they all live near one another, or work for
the same firm, belong to the same church,
club, labor union, school district, or grange,
they are fitted to form credit union.
Each member buys one or more shares
in the union on the weekly instalment
plan, each share having a par value of
So. Proceeds are used for loans to mem
bers desiring the same. The interest
charged is not allowed by law in New York
to be more than II per cent. year, and
often is much less. No security whatever
is required, but the borrower must obtain
the Endorsement Of one or two fellow MEM
bers. 1t is fundamental principle of
credit unionism that the loan must be of
benefit to the borrower-that is, effect a
saving, add to his working efficiency, or
supply an urgent need. Those who desire
further information about credit unions
can secure all the printed directions from
the Russell Sage Foundation, 100 East
Twenty-second Street, New York City
Answering the last question: it may be
said that no good reason presents itself
for doubling the safety of the 5 per cent
500 bonds sold by the Morris Plan banks.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1917-04-29
Free Booklets You May Have for the Asking

The Odd Lot RepieiV, published weekly sum
marizes financial conditions in terse, readable form
in style to meet the need of the small well as
large investor. Sample copy sent request to 81
Broadway. New York City.
All investors interested in the remarkable progress
of public utility bonds should write to P. w. Brooks
& Co., l5 Broadway, New York, for copy OF their
magazine, entitled Bond Talk, which deals with the
fundamental principles of investment and the adj
vantages Of public utility bonds. Ask for Bond
Talk f.
Investors desiring to acquire 500 bonds of the
best known issues. and of class that is legal for
investment by trustees and savings banks, should
send for the special list that has been prepared by
Merrill, Lynch Il CO., members of the New York
Stock Exchange Wall Street New York City.
Public-utilty companies have shared the pros
perity and rapid growth of this country. Investors
who are interested may obtain further information
by writing to Williams & Coleman, 60 Wall Street.
New York City. Ask for copy "O-4."
Any one interested in the security market should
send to L. R. Latrobe & Co., No. II Broadway.
New York, for their statistical books on Copper
Stocks, Motor Stocks, Standard Oil Stocks Invest
ors Guide (270 pages). or Weekly Market Letter.
on request. PartiaPayment Plan.
Information of value for the average investor on
500 bonds and other securities Welding to per
cent. is supplied by Coleman & Reitze so Broad
Street New York, through their weekly market
letter the Financial ReTfesc, which will be supplied
if requested. Address Department F. w.
First farm mortgages and real estate bonds are
not subject to fluctuations in value in these
tain times Z. ]. Lander & Co., Grand Forks
North Dakota, will send booklet free to those who
are interested in farm mortgages. Ask for book
let, " r..
Have you read Mr. Atwood's financial booklet,
Making Your Money Work for You? 1t is writ
him, nclosing FIVE cents in stamps. at 3Sl Fourth
Avenue, New York. he will send you copy.
Evening star. [volume] (Washington, D.C.) 1854-1972, 1917-04-29

The Railway Investors League, of which Mr..
John Muir is chairman, has been Incorporated as
membership corporation under the laws of the
State of New York. The organization is taking an
active part in the movement to secure higher rates
for tie railroads Descriptive circulars may be OBJ
tanned on application to p. M. Whelan, secretary.
81 Broadway, New York.
The Citizens Savings & Trust Co., of Cleveland,
Ohio, Will furnish to our readers, upon request,
Booklet p. which contains some very interesting
information on banking by mail
The Key. a monthly magazine published by
X. II. Woods u Co., l2S Broadway, New York,
contains quotations and information about high
grade bond investments in 500, $500 and $1,000
ton for those who above all want to invest safely
with interest return OF per cent. to per cent.
Copy sent upon request. Ask for booklet 9
So much is written about the war and its effects
that for business men condensed and interesting
treatment of things that are happening. as they
an international reputation the most graphic
publication of this character. Issued weekly by
j. S. Bache & Co.. AZ Broadway, New York City.
Sent on application.
Exceptionally complete annual reports showing
the progress made by Standard Gas and Electric
Company and Northern States Power Company
will be sent to investors by H. NJ. Byesby & Com
pany, Managers and Engineers, 21S South La Sale
Street, Chicago, and 1919 Trinity Building New
York.
new circular. showing how to obtain dividend
every month through the Odd Lot method has been
issued by Hartshorne & Picabia. members OF the
New York Stock Exchange, Wall Street, New
York City Ask for Circular OH. The firm also
offers special inducements in the way of advice to
small investors.
Some very interesting literature regarding per
cent. farm mortgages on improved Montana farm
land is being issued by Phelps Eastman Co. In
vestment Bankers, Mcknight Building, Minnea-
polls, Minnesota Copy sent free OF charge request
Evening star. [volume] (Washington, D.C.) 1854-1972, 1917-04-29
How Can Borrow a Little Money
By ALBERT W. ATWOOD

VIII you give me the name of RESPONSE
BILE firm or individual in New York City that
will lend money on salaries without security?
Would you give me some information
about the credit union? 1t is having very
prosperous run throughout Massachusetts
at the present time
Would you consider ii safe and reliable for
person of very limited means to invest in
the 500 bonds of the Morris Plan?
NHESE questions are typical of many
that frequently come to this maya
zine. The first question is the most
interesting and important, because it is
most fundamental. The answer is, you
can't do it. You can not borrow money
from bank without security.
A bank lends to business man-let us
say, a coal dealer or builder; and, while
the bank does not actually take the coal
to store in its vaults or the builders tools
and lumber, yet the bank usually has
some sort of claim upon these material
things and that is its security. OF course
the bank will lend upon direct security in
its possession, such as bonds or stocks, and
1T will lend upon mortgages in some eases,
VI oFcu III u lew cases upOIl u llle-luStlraHce
policy. The bank considers the mans
income, character, and other personal
affairs, but it must have something be-
sides that. Security is sometimes waived
if two Endorsements can be obtained; but
they must be Endorsements of responsible
business men well known to the bank.
Moreover, such loans are made only to
depositors.
Until recently the country was over
run with loan sharks, INSCRIPTIONS
money-lenders who lent without security,
but often charged more in interest than
the amount of the loan. These We're the
chief resort Of the very small wage-earning
borrowers The Russell Sage Foundation,
through it's division of Remedial Loans
and other agencies of reform, has fought
this evil most successfully.
For one thing, there are now thirty
eight cities in twenty-four States that
have remedial or -phianthropic loan
societies. These are operated by promi-
nent and public-spirited men on the basis
of definitely limited dividends In New
York City, by way Of illustration, there
is the Provident Loan Society, the Hebrew
Free Loan Society, the Chattel Loan
Society, and number of others. The
Morris Plan banks, while different in
many respects, are similar, in that well
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
BRITISH And FRENCH DELIVER
TREMENDOUS BLOWS and DRIVE
TEUTONS BACK WITH CAVALRY
Almost Fifth Of Western Front From
Switzerland to Sea Caved in By En-
tente's Battering-Ram
LA..oeiatsd Pres, by Cablel

PARIS, France March 19.-The German invader in the
the full retreat 100 miles of front held for
more than two weary years Of trench warfare
Two entire French departmensthose of the Disc and
the Asne have been liberated from the German rule Ac
cordng reports from the front within the past few days.
the German lines have been caved by the tremendous blows
the British and French and territory estimated at go
square miles has been taken from the enemy
The nature of the ground against the rereatng Ger
mans Thrown from the trenches along the Somme and
elsewhere which admirably adapted to the and
hold wafare they unable to take up another pre-
pared defensive position for considerable extent.
So rapidly is the being conducted that the French
and British have been able to put into the field regiments Of
cavalry which hung the rear of the Germans and hared
them The enemy could find opportunity to turn and re-
spond with the quick advance Of the Entente
troops. 90 800
This is the first time since the battle Of the Marine that
cavalry been called into play the western front
The German line last accounts was in full retreat over
almost fifth Of the front from Switzerland to the sea-
The Teutons closely pressed through the whole extent by
the British and French The latter troops with the precson
of machine are advancing 40mile front They have
already recapured number Of important towns at small cost
to themselves
Today came the news that the important town Of Guscard
has been eoccup and the exung French pous are push
ing along the national road to st. Quentin
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
MILITIA
SURE OF U. S. HELP;
STATES may LOSE
Federal Training Bill Shows
Hawaii and Porto Rico in
Favorable Position

Hawaii's militia is assured of fed
eral support whether or not the pend
ing compulsory military training bill
passes congress, according to dis
covery made q few days ago by local
militia heads who were looking over
army legislation news.
The federal training bill would with
Graw federal support from all militia
organizations after five years, but
there is a provision excepting Hawaii
and Porto Rico. If the bill does not
pass, the present provisions for sup
port will continue. ...-=
The situation, it is held, justifies the
national guard here in asking that the
territory cooperate with the federal
government in definite scheme for
building up the organization.
The bill proposes to form a strictly
federal army making it compulsory for
every man to undergo military train
ing beginning when he is 10 years old.
r An article In the Army and Navy
Journal is resume of the bill, writ
ten by Geo. s. Kuhn, brigadier gen.
eral of the general staff, chief of the
war college division, to the chief of
staff. The part relating to the state
militia is as follows: -.-r
The plan contemplates a strictly
federal army for national defense but
some provision must be made for the
states until they will have organized
forces of constabulary or some other
power to prevent domestic order For
this reason it is proposed to continue
49, H. 49, -, -
the financial support provided by the
so-called Dick Bill as amended prior
to the passage of the national defense
act Of June 3, 1915. e." e..
r. st is proposed to continue such sup
port indefinitely to the Hawaiian mill.
tia and to that of Porto Rico"
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19

(Associated Press by Federal Wireless1
LONDON, Eng, March 19.-Aban-
doning for the time being their thrusts
at the German lines in the vicinity OF
Bapaume the British yesterday. link
ing hands with the French, struck on
a new sector, breaking the German
front and driving them back more
than 10 miles in places over front OF
more than As miles. South and to the
east of that attack, the French thrust
simultaneously over front OF 80
miles, and their success was even
more spectacular than that OF the
British, for in places the German ar
miles were hurled backward, shattered
and broken, for more than IL miles.
Scores Of Villages Taken
Scores of villages, including sucn
places as Chaunes, Nesle and the long
battled-for city Of Peronne were taken
by the British, while the French, ham
mering steadily at the retreating leu
tons, also captured dozens OF small
towns and a number OF important
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
REVOLT GROWS AS
GARRISONS JOIN

ASSOCIATED Press by Federal wireIessI
PETROGRAD, Russia, Mar. H.
With the last vestiges of the imperial
family fast disappearing from the
outward life of the Russian people, the
country is settling down under the
new regime, awaiting the gathering Of
an assembly of 600, which is to be
elected by a popular vote Of the peo-
pie for the express purpose OF draft
ing a constitution. Carbon Is dying
fast, even the pictures of the former
emperor having been taken from the
walls of the public buildings and from
their places in the homes Of the mill
lions of Russians who had been bred
to regard him as the temporal mani
festation of the supreme power OF
God on earth
The new cabinet yesterday took its
post and assumed the duties of its
office, and Premier Milukoff, the form
er Socialist deputy of the duma, is
sued call to the ministers Of the
Entente and neutral powers. When
the diplomats assembled he notified
them that Russia Is united in its de-
termination to fight the war through
to a successful close, no matter what
sacrifices it may entail.
The revolution is steadily gaining
strength, and yesterday the entire
Russian Baltic fleet, officers and men,
threw their fortunes in with the liber-
ais, as did the garrisons Of Viborg and
SVeaborg.
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
GERMAN VESSELS
Still IN PORT;
BOARD WAITING
Shipping Firm Consults Attor.
neys and May Let Commits
SionerS Use Its Tugboat

No meeting of the board OF harbor
commissioners was held today, the
first day without meeting in more
than a week.
AT noon new angles on the German
refugee merchant steamer situation
were these: ...... 8. -.
The harbor board received com
munication from Lieut. Col. r. X. Ray
mond, United States army engineer OF
ficer for the Hawaiian district, in re-
ply to It's letter requesting permission
to drive dolphins (mooFing pilesD II.
Rotten Row to moor the Pommern and
Setos. The letter is said to state that
the district engineer, while not having
authority to grant the request, will not
oppose the boards contemplated &C.
ton.
Castle & Cooke, the local Matson
Navigation Company agency, expects
to receive, an opinion late this after
noon from its attorneys, Smith, War
rem & Whitney, stating whether the
agency can allow the harbormaster to
use the Matson tug Intrepid to tow the
Pommern to sea without rendering it.
self liable for damages despite the
warning letter sent out Friday after
noon by Hackfeld & Company to Mat.
son agency and all other shipping
firms in the city, causing the. latter
Saturday morning to refuse the harbor
board the use of tugs or other vessels
to tow the Pommern outside
The Kona gale blowing last night
and today has dashed the sea to fury
and at noon local waterfront men were
of the opinion that had the Pommern
been anchored outside Saturday as the
-harbor board had ordered. but found
imp0ssIbIe, the giant freighter would
surely have been driven on the reef
and wrecked
Collector of the Port Malcolm A.
Franklin said shortly before noon that
he had received no further instruc-
tlons from Washington about the Ger.
man steamers here.
Next Meeting 10 Uncertain ~. a..
Chairman Charles r. Forbes of the
harbor board said shortly before noon
that he did not know when he would
call another meeting. 1t is thought
one may be held late today or tomor-
row to act on the letter from the dis
trict engineer. <@
At the meeting last week, when the
question Of mooring the Pommern and
Setos in Rotten Row was considered
the harbor commissioners made II
CONTINUED on page three)
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
ILafesflSea Oufrages
I BringO Open War Near
No Change in Plans for Extra Session But President Author
ICES Spending 100000 to Speed Navy Construction
Associated Press by Commercial Pacific c.blsl


WASHINGTON, d. c. March 19-The United States TO-
day faces the pressing question of with Germany
the immediate issue of the ruthless destruction
American merchant vessels
Many senator's and representatives who remaining;
here today expressed the opinion that the latest acts of the
German submarines constitute clear for WARRIOR tax
spatch of warshps clear the lines of the German
U-boats. -..-
However, members of Congress advised today by
White House official that there will be of Congress
before the special session called for April 16.
But while that is coming the administration is rushing
preparedness plans. The president today authorized the
secretary thenavy speed up navy construction and or
this purpose to spend $15OOOO0O This is of the steps
to meet the submarine ...s .:~.
The secretary will authorize time and onehaf for
time the navyyards and in order to get officers the grad
uaton of the first and second classes in the u s. Naval
Academy ordered the first in March and the second in
September e.. .:.* Fl: +... ..~z
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
Three Steamers Sunk By U-Boat:
In Violation Of German Pledges
fAssoeiated Press by Commercial Pacific Cable)

= - fAssoiate by a -s;
without formal declara.
of submarines
Memphis disncvey marked Amer
shelre
of here few" being killed drowned
With
Of including fourth
killed either by the explosion the torpedo trapped and
drowned the ship sank.
the illinois
Illinois opedoed without of life the
being all landed in safety
American consul
details unofficial dispatches
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
British and French, Striking On
West, Take Many Miles Of Front

ones, including Crouy, Carlspont, Nor
sam and Nouvron. an Of them posi-
lions which have been held by the
Germans for more than two years, or
since the battle of the Marne and
Aisne flung them back from Paris and
broke the power Of Won Kluck.
The announcement OF the successful
attack shows for the first time that
the British have for some time been
extending the length Of line which
they have been holding. and now they
are in charge Of the whole front from
the English Channel to NoyOl, with
the exception Of that small sector OF
Belgium which is being defended by
the heroic troops under the personal
command Of King Albert.
Yesterdays advance followed the
victory over the Allies on Saturday In
taking Bapaume and pressing their
victory to a depth Of four miles OF
ground regained, the greatest advance
up to that time since the armies set
tied into the western deadlock.
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19

President Wilson Immediately took
into consideration the demands made
upon him to call special session OF
congress without a days delay, in or,
der that a formal declaration of war
might be passed, bu in the last OBJ
tainable statement from the White
House last night it was said that the
president had not as yet definitely de-
cided to issue the call. s
1t is believed that the next move to
be made by the presidents will be to
issue orders to the navy department
to despatch American warships into
the war zone, to clear the lanes for
American traffic and to seek out and
destroy the hostile submarines. -
Officials here advance the opinion.
and have so informed the president,
that he is empowered under the con-
stitution to issue declaration Of war
himself, pending the assembling or
congress, but there Is no indication
that the president will follow such a
course. s.
Near Grave Of the Lusitania
The unwarned attack upon the City
of Memphis was made at point IS
miles south of the Fastnet Light, off
the south coast of Ireland, in the same
general locality in which the Lusitania
was torpedoed and sunk. This steam
er, owned by the Ocean Steamship
Company, was bound from Savannah,
Ca, for London. She was small
freighter of 1851 tons She was skip
pered by Capt. Burg. ..... g..
Aboard the City of Memphis was 4S
Americans and a number of others be-
lieyed to be Americans, each member
of the crew having produced a certl-
ficate of American birth or American
naturalization before the sailing of the
ship. 1t is not known how many of
the Memphis crew have been lost, al
though there are some boats missing,
searching. This was the tenth trip
of the Memphis into the war zone.
The despatch from London states
that this ship was sunk by gunfire.
The official despatch from Consul
Frost to Secretary Lansing says that
she. too, was torpedoed. -.- ..
ViaiIancia Received No Warning
The torpedo attack upon the Vigil
ancia was made near the scene of the
sinking of the City of Memphis. The
Vigilancia was a craft of 1884 tons,
She was commanded by Capt. Middle.
ten, who had with him in his crew
some 40 men. OF these IA are believed
to have been killed or drowned. Capt.
Middleton reports that he was given
no warning whatever of the intended
attack. IL: .
The Vigilancia was owned by the
New York and Cuban Mail Company
and was en- route to a French port
from Lisbon.
The Illinois was a tank steamer OF
1875 tons, bound from Port Arthur,
Honolulu star-bulletin. [volume] (Honolulu [Oahu, Hawaii]) 1912-2010, 1917-03-19
HISTORY OF ADAMS0N
LAW AND FIGHT OVER
ITS C0NSTlTUTl0NALITY

WASHINGTON, y. g. March ~
Natlonai enlo.cemens anu Vpetaeion Y
the Adamson law, enacted ~ congress
last september when nauon-wloe
railroad strike tnreateneo paIalysls .
MANIPULATION, was suspehueu AVA.
ing the supreme courts occasion upol
It's consututionanty. National eIIec.
4 was agreed. rested upon disposal 9.
TIE single test case u tae missou -,
Okiahoma q Gun haalroad, CHOSEN py
the railroads ana department. OF JUSTICE
TO determine, Tor the wnode country
the issues.
involved were WtaI pubic ano
private interest, present ano future
lnciuoing those OF american raliroaos
aggregating zeV.vOy miles nile ian ana property
interests Of Observation-Disclosures. toeetnes
with those Of 4V0,yvV raiiroad EN-
floyess one-lhtn OF the totaA. Also IN
VOWED was future limit OF puuhe resu-
iation and private operation OF COM
mon carriers, with pounoarles OF regu-
latory legislation ~ congress
A decision upholoine e constitution
al an features q the Aoamson ACT en-
tails: > $50. - -
J. Permsnent eetn1iisnment q 2
work Gay 81 eicnt hcnre g : uiessure
OF stsnueto Ct caIcnis.ino wages ana
q Tennor1ry but immediate in