davidaulloa/AmericanStories huggingface dataset:
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23
Planning for New Church.

While they have no well defined
plans, yet it is a fact that the mem
bers of Antioch church are planning
in tentative way for the erection of
a new church building. 1t will be sit
uated on the opposite side of the
road from the present building, un-
der the beautiful oaks near the mod
ern school building. The present site
of the church will be used to en-
large the cemetery. Already graves
have been placed on two or three
sides of the building. Very probably
the plans for the new building will
assume definite form this fall. Sue
cess to them in their very laudable
undertaking!
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23
Wells Being Drilled.

A force of experienced men are at
work boring two wells near the elec-
trio plant from which water will be
pumped for supplying the towns
water system. 1t is contemplated that
the wells will be sunk a depth of $50
feet, supplying 60 gallons of pure
water each per minute. The water
will be pumped or forced by air from
the wells into a nearby reservoir of
100000 gallons capacity. From this
reservoir near the wells it will be
pumped through an eight-inch pipe
into the "stand-pipe' 'or tank near
Governor Sheppard's residence, and
from this sent by gravity to every
nook and corner of new Edgefeld.
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23
Meeting of Philharmonic Mu.
sic Club.

Mrs. L. S. Kernaghan was hostess
for the June meeting of the Philhar-
monic Club. In the absence of the
president, Miss Rainsford, vice presi-
dent took charge of the meeting. This
was the time for the election of Of
ficers and Mrs .Tillman was elected
president while the other Offices were
reelected by acclamation.
After the business session Miss
Miriam Norris took charge of the mu
sical program for the afternoon. A
piano duet "Floretts," was played by
Miss Gladys Padgett and Mrs. H. c.
Mitchell. Miss Florence Minis read
two flower poems, "The Weed and
the Rose" and "Why the Rose is
Red" which everyone enjoyed as Miss
Minis is "a talented reader. Miss Mar
garet May played lovely piano solo,
"The Dolls Ballet"
Miss Katherine Minis, Miss Marga-
ret May and Miss Florence Minis
were welcomed as new members into
the club.
At the close of the program Misses
Rosela Parker and Rosada Talbert as
sisted the hostess in serving a de-
lightful salad course and iced tea.
PUBLICITY CHAIRMAN.
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23

$4,000 came and went, making a
sum total of 100000 visitors. The city
park has a seating capacity for TO-
600 people.
st. Petersburg employs the Scotch
Highlanders Band of New York to
give the visitors music. There are
twenty-five members, they are given
one thousand dollars week and
generally stay about twelve weeks.
They can make music to cheat the
band"
j. RUSSELL WRIGHT.
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23
Ditch Digging Machine.

AS Edgefeld is a new town, some
thing new is to be observed here al
most daily. The newest thing to at
tract attention is the machine for
making the excavation for laying the
water pipes. 1t can easily dig a ditch
two by three or four feet at speed
of three lineal feet minute. This
enormous mass of iron and steel
which seems to possess almost human
intelligence can be operated by one
man and helper. Since it was put
in operation Monday morning fifteen
men of the water works installation
force have been discharged, thus re-
leasing this man-power for other
kinds of work in the community.
.-ooo-ooooo-o~uoO
tie son, and Mrs. Darlington, have
been to Newberry for visit.
Mrs. Ben Wright has been to
Greenwood to visit her sister, Mrs.
Emma Calhoun Cartledge.
DR.. and Mrs. Coleman and Miss
Elizabeth Coleman of Aiken have
been guests in the home of Mr.. and
Mrs. w. E. LaGrone.
DR. and Mrs. L. S. Maxwell are at
home from a weeks visit to relatives
in Greenville and Walhalla.
Mrs. sammon of Macon, Ga, is the
guest of her daughter, Mrs. Joe
Wright.
Miss Bernice Black has returned to
Atlanta after a visit to her cousin,
Mrs. Alice Cox.
Mrs. Youmans of Fairfax and Mrs.
I[ames of Jonesville are guests Of
Mrs. Joe Cox.
Miss Bessie Keliar has been quite
sick for the past two weeks.
Mrs. w. B. QUITS and little son,
and Miss Orlena Cartledge will go to
the mountains of North Carolina
next week. The little boy of Mrs.
QUITS has been i'll and the doctor ad-
vised a cooler climate. :.
Mr.. and Mrs. Wilbur Wertz of Co
lumbia are guests of relatives.
Mrs. Carrie Dorm has erturned to
Meeting Street after visit to her
niece, Miss Orlena Cartledge.
Mrs. Frank Warren, Jr., is the
guest of her sister in Georgia.
Mrs. T. R. Denny has gone to
Thomson, Ca, to spend six weeks.
Misses Louise and Marion Boyd
are at home from visit to their
grandmother, Mrs. Stewart in Ches-
ter.
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23

They can make music to cheat the
band"
j. RUSSELL WRIGHT.
st. Petersburg, Fla.
Antioch Sunday School Picnic.
Saturdaywas very pleasant day
to all who gathered under shady oaks
of the Antioch church and school
grounds, the occasion being the an
nual picnic of. the Antioch Sunday
school. Mr.. H. H. Sanders, the popu-
lar and capable superintendent, with
the full cooperation of his teachers
and others interested in the Sunday
school and community life, carefully
laid their plans for a pleasant occa-
sion and every detail was well carried
out. Ice cold lemonade was served
free all through the day, enough be-
ing provided for everybody to quench
their thirst and then plenty to spare.
Ice water was also provided for those
who did not care for lemonade.
AS threatening clouds came up
around the noon hour, dinner was
served little earlier than usual so as
to make sure that this important fea-
ture of the day was not disturbed by
down pour. A long rectangular ta-
BILE was arranged under the oaks and
it was well filled with good things
in great variety and boundless guam
tity. Barbecued hash, seasoned to the
kings taste was provided in guam
tity far beyond the capacity of the
crowd. This feature was provided un-
der the supervision of Mr.. A. A. Ed
munds, who is regular Waldorf-As-
toria chef. The delightful basket or
picnic dinner reelected the resource
fulness as wen of the skill Of the
good women of Antioch in being able
to prepare so many good things at a
season when it seems almost impos-
sible to get anything to eat-at least,
that is the way it seems to US town
folk who live much of the time from
paper bags and tin cans.
Mr.. Sanders had invited several
gentlemen to make Sunday school
addresses in the church after dinner,
but the lowering clouds made it
necessary to abandon this feature of
the day. Many had to leave in their
cars early after dinner SO as to avoid
the mud of the west-side red hills.
Rev. W. R. Barnes, Mrs. Barnes
and their interesting children attend
ed, giving a number of persons an
opportunity to meet them and know
them personally. Mr.. Barnes is do
ing a great work in his three-corner-
ed field which consists Of Republican,
Antioch and Red Hill churches. He
and his family have aleady won a
warm place in the affections of his
people.
"A quiet day of real pleasure was
spent at Antioch by those who attend
ed. Such community gatherings are
helpful and wholesome, being worth
all and more than they cost to a
community. A live, progressive spir-
it is fostered for community and a
comradeship and spirit Of good,
Christian fellowship is engendered
and fostered among neighbors
and friends by such gatherings. We
trust and believe that the good peo-
pie of Antioch, which is rapidly COM
ing to the front as one of the first ru-
raj communities in the county, will
continue this social gathering as an
annual affair. The editor of The Ad-
vertiser is greatly indebted to the
cordial hosts and hostesses of Satur-
day for a very pleasant day.
Edgefield advertiser. [volume] (Edgefield, S.C.) 1836-current, 1920-06-23

st. Petersburg, Fla.
New-York tribune., 1920-05-23
Houses for ALI Under
New York Tribune Plan

Having made careful survey of the housing situation
l. There practically flats available in New York
City to-day and construction of this class Of housing almost
at standsti.
z There is nothing for in outlying sections
B. Building in outlying sections is on minimum scale
que TO a lack OF money tor mortgage purposes.
Building in outlying sections is slowing rapidly because
builders cannot obtain further financing
s. Suburban homes both new and DID, are being held
today tor minimum of twice what they would have brought
hive years ago.
on these facts that The Tribune based its conclusion
that the housing shortage could be relieved only through
unusually large assistance builders who would build houses
quantity and who through such construction could buy
tea sufficiently large quantities influence material prices
lhe lrbunes Investigations convincing that the
housing problem could be solved through the Of
mutay houses in already congested districts but that
e must be sought through stimuli of suburban
oon on large scale which would have the tendency draw
on population from the crowded districts
These facts and conclusions presented the Metro.
pohtan Life Insurance Company through Walter Stable
eomptroler along with The Tbunes opinion that only
would be good business but also splendid patriotism
situation.
Mr. Stabler instant approval the plan He said
at the Metropolitan believed that The Trbunes conclusions
were right and that the stood ready back the plan
uoned to the limit of its and this meeting
mat Mr. Sabler first made his promise of $20000O00 for
nome construction to Tribune representatives
He declared his policy be to make loans for quantity
pouuclon of owprced houses that s houses that be
soc 500 tor $4,000 lesshouses that could be made avail
'oe 1or average wage
lhe is be had at and the loans accepted
e 20 De paid, hrst construction loans and then will
nue as permanent mortgages All of them will be for fifteen
years at the principal payable small
mstalments
r. The lending of 10000 to the Rcker Brown Realty
the first concrete evidence of The Tribune plan
I'm operation Other builders about be financed who
houses OF lower cost Four to FIVE thousand
ses will result this from Metropolitan financing More
W non financed in this problems and space short
aee Will disappear
New-York tribune., 1920-05-23
Rickert Applies Ford Idea
10 Construction of Houses
PURCHASE of Building Material in Quantity Also
Helps to Reduce Cost; President of Realty
Firm Explains His Plan

By purchasing building materials on
the quantity production basis, which
resulted in a saving to the buyer in
some instances of 20 per cent, and by
adopting the Ford idea of putting each
artisan to work on a specialized job,
the Rickert-Brown Realty Company,
according to Edward J. Rickert, it's
president, is able to build houses al
most as cheaply as before the war.
"The loaning of s1,150,OOO to US by
the Metropolitan for building 200
houses in Arleigh and Norwood" said
Mr.. Rickert, "is not only the most i'm
portant step taken to relieve the
housing situation in New York and
cut down the high cost of construc-
ton, but, when all the facts are taken
into consideration, it is seen to be a
very unusual financial transaction.
Realty Loans Unattractive
when the New York Central, Penn
sylvania and many other equally good
securities are offered on d basis that
returns ia per cent and government
bonds pay approximately 6l4 per cent
to the investor, it is certainly remark
able that any institution should he
willing to loan more than $l,O0O,00O
for fifteen years at per cent interest,
with Initial charges SO small that they
do not exceed one-tenth of l per cent
per annum.
when, however, one talks with Mr..
Stabler it becomes evident that he does
not regard the loan as purely bust
ness transaction, but as an evidence of
the company's intention to do all that
it can to r~lieve the housing situation
and cut down the high cost of con-
structlon, recognizing that, a. the COM
pary's great assets were contributed
chiefly by people Of moderate means,
they should now be used in such way
as to do the most good to people Of
that class.
1T is for this reason that Mr. Stabler
has made the loan for long term of
years, thereby eliminating for the
home owner the risk of renewing the
loans at the expiration of the three
year period, for which real estate loans
are usually made.
belief that large loan to one strong
operating company is better way to
fight the high cost of construction than
many small loans to individuals or
small builders, for the reason that a
large operator with large capital can
practically eliminate the profteer,
while the individual or small builder
usually has to depend upon local sup
ply houses both for credit and mate
rial and is. therefore, at their mercy
in both respects.
Some idea of how largely the high
ssst Of building houses in small way
is made up of profteering can be real
ized when it is known that the average
price for rough lumber now charged the
small builder is approximately S75 a
thousand feet, while the same lumber can
be laid down here, by direct shipment
from the mills for approximately $40 q
/ Thousand feet. In other words, the iurn
ber prohteer Is making a profit of an
New-York tribune., 1920-05-23

materials under the prevailing market
prices. The lumber for the new dwell
llngs was purchased at 20 per cent un-
der the market and the plumbing was
contracted for at prices which indicate
a drop, according to the firm.
The $4,000 900 to be loaned by the Met
ropolitan Life Insurance Company this
year, for the sole purpose of helping
to solve the housing problem, will, it
is estimated, easily finance the con-
struction of 1000 dwellings. In this
way alone, counting five persons to a
family, 10000 New Workers now virtu-
ally homeless or living in inadequate
quarters will be provided for.
When it is recalled that at the pres
ent time the city has just $4,000 apart
ments, or houses, less than its popu-
lation calls for, it would seem that
1000 new homes will not greatly help
the situation. But other projects are
under way. 1t is expected that the
Metropolitan's initiative will break the
ice, so to speak, and that other corpor-
ations with large funds to invest will
change their present policies Of refus-
ing to finance housing projects.
One big insurance company, after re-
fusing to extend loans ON home con-
struction work, declared, on hearing of
the step taken by the Metropolitan,
I'VE probably will be doing the same
thing within year"
The details of the Metropolitan's $780,
100000 loan to stimulate the building
campaign are:
The loans are not to be made for the
building of individual homes, but for
the building Of homes on a quantity
production basis so that tho cost of
building, through the purchase of ma
terials in quantity, may be reduced to
the minimum
The loans will cover construction and
then will continue as long term mort
cages on the completed building
Business or high priced apartment
construction will be excluded, as the
purpose is solely to meet the demand
for single or two-family houses or low
priced apartments, SO that the wage
earning class, now forced to pay rents
New-York tribune., 1920-05-23

proximately 80 per cent on the present
, cost of replacing the stock.
Since it became known that the Met
ropolitan had set aside large fund to
relieve the housing situation, it has been
almost swamped with applications for
loans, and the selection of our company
for its largest allotment resulted from
Mr.. Stablers belief that we were better
equipped, not only to eliminate the
proilteer in mate5sl. but also the prof
iteering by labor, Nhjch is even worse
than the profiteer.~y in material. By
THIS we do not mean a reduction in
wages, which we do not believe will come
in many years, if at all, but the elimna-
ton of the waste by inefficency, which
can only be effectively done by large
organization.
Few persons seem to realize how
greatly quantity production and stand
ardlzation of construction reduce the
cost of houses, the same as it does auto
mobiles or any other manufactured
product.
If Ford were to build cars in small
numbers, they would cost probably twice
as much as they do, and if he built manv
types OF cars the cost would also greatly
increase. Ford has made his great sue
cess by building only one type of car.
for, although there are many Ford
bodies, there is only one Ford chassis.
building cars in enormous ouanti-
ties gives Ford great buying power and
effects large saving in the purchase Of
material, but quantity production of one
type OF car results in an even greater
saving, the saving in labor, owing 70 the
TACT that each man does one thine. all
the tune, thereby becoming very expert
IN DONG that particular thing, and
greatly increasing his individual pro
duction.
In building houses singly or in small
numbers, a carpenter, for instance. will
work all over the house, and he viii do
little OF everything and often not much
or anything. The incentive for ind
vital work does not exist, for his work
Is merged with the work of other men.
ato a II ne works hard he has nothing at
the end of the day to show for II ex
cept as part of the total WORK dons
by ALL WIN u0iie
In building hundred houses a man
can be set to doing one partieuIar
thlng IN each of the hundred houses. ~,
tne same principle as in the buildinc
OF ford cars, and he not only becomes
very expert in doing that particular
1hing, but he has the incentive of
knowing that his work shows to his
credit; II he works hard, he gets credi+
for it, and if he loafs he is discharge
Good men like work under this plao'
and those who do not like it are eli-r
mated. The result is degree of eff
cheney that Is not possible EXCEPT in
| quantity production.
III may seem like a strong statement
but 1t is fact that by buying ali our
material for cash in enormous ouan-
Titles, and by building houses in large
numbers, of standardized type, we are
able to build houses to-day nearly as
cheap as the same house could be huilt
bef2re the war, if built singly or in
small numbers. The home buyer. there
j lore, by buying one standardized hous.
at the proportionate cost of building a
hundred houses. practically eiirni,,s9, =
! the increased cost of construc.ien.n
New-York tribune., 1920-05-23

beyond Its means, can purchase homes
on terms consistent with it's income
No loans are to be made for buildings
erected as investments.
While the houses which the Metro.
poiitan has financed in this instance
will sell for $4,000 and $4,000, this
represents the most expensive type of
dWelllng they expect to promote. They
intend hereafter to extend loans on
houses that sell around $500, which
may be purchased and easily maintained
oy the average wage Garner.
Loans for Fifteen Years
The loans will continue for fifteen
years the purchaser will have paid 80
seml-annual payments on the princi-
pal, so that at the end of the fifteen
years the purchaser will have paid 80
per cent of the loan.
In asking only 6 per cent on its
mortgages the Metropolitan is receiv-
ing less income on its investment than
1T might have obtained through the
purchase of United States government
bonds or other securities which it is
legally entitled to invest in. The com
pany's rule to take this class of mort
cages for a period not exceeding three
years-a rule still enforced by other
leaning comprehensive modified to
make the period fifteen years in order
to "put over" the building campaign.
eve have two purposes in view in
setting S20,000,000 aside for this class
of investment" said Walter Stabler
comptroller Of the Metropolitan. cone
IS to provide people with places to live
The other is to curb excessive rents
Everything an insurance company can
do to advance the interests of the pub
lie we will do.
eve have 2o,ooo,ooo policyholders,
most Of them belonging to the indus
trial class. 1t is this class of people
who are now suffering most acutely
from high rents. We feel it is our
duty to ameliorate their condition. And
we feel that their condition can best
be advanced by placing them in the
way of owning their own homes.
THAT is why we decided to extend
these mortgages only on dwellings suit
New-York tribune., 1920-05-23

To finance the construction of these<
houses, the Metropolitan has made
loan of 900 to the Rickert- Brown
Realty Company. This is the first
step taken by Walter Stabler, comp
trollerof the Metropolitan, in keeping
with his promise made to the public
that the Metropolitan would exert it
self to the utmost to help in providing
more homes. Mr.. Sabler is a member
Of the Mayors Advisory Committee on
Housing.
Here are the salient facts of the
plan:
l. The Metropolitan Life Insurance
Company has set aside $4,000, 900 of
its investment funds to be expended
this year in the purchase of mortgages
of small amounts on new single or two
family houses and low priced apart
ment houses. The whole purpose of
New-York tribune., 1920-05-23
solving the greatest Of all present-day

solving the greatest Of all present-day
roblems-housing.
Typical Of the houses to be built un-
der the fifteen-year mortgage semi-an-
nual payment plan are eighty already
constructed on Ditmars Avenue, Ar
leigh. Arleigh is located in Long ISL
and City, opposite the district between
Ninety-sixth and 10th Street, Manhat
tan. 1t can be reached on the Queens.
boro subway from the rGand Cen
trail station or on the Second Avenue
elevated, transferring at Fifty-seventh
Street to the Ditmars Avenue train. In
short time it will be connected with
the B. r. T., which will bring it within
fifteen minutes from Times Square.
Norwood lies opposite the district,
between Seventy-second and Eighty
sixth streets, Manhattan. 1t has two
Continued on page eIght)
New-York tribune., 1920-05-23
90
The Metropolitan's Work

The Metropolitan's Work
Only those who know what the ma
ture of the Metropolitan Life Insur-
ance Company's lending has been dur
ing the last ten years or more, can
fully appreciate how great an innova-
tion has come about in its policy.
Here is an institution which, year
after year, has been advancing on an
average of s25, 100000 year to finance
the construction of big, expensive
apartment houses, loft buildings and
skyscraping office structures.
Hereafter there will be no money
whatever for these classes Of build
ings. Commitments already agreed
upon will be carried out, but no new
undertakings will even be listened to
by those in authority in the big Madi-
son Avenue Office building.
All of this is in line with the ad-
vocated policy of The Tribune and
generously accepted by the Mctropoli-
tan Life, that it is the patriotic duty
of those who control the wealth of the
country to turn that wealth toward
New-York tribune., 1920-05-23


the loans out of this fund will be to
encourage building of homes for wage
earners in moderate circumstances. De-
tails of the loans and how they will be
made available are described later.
q First fruits of this loan were the
breaking of ground for 100 one family
moderate priced houses each at Nor
wood and Arleigh, virtually the first at
tempt at building houses on large
scale since 1914. These units are to be
completed for occupancy as rapidly as
by the Rickert- Brown Realty Company
50 Vanderbilt Avenue, under the Metro
politan's plan of extending loans for
that class of dwellings.
8. Indications of break in the high
cost of building materials is seen by
the Rickert Brown firm in its survey of
the country with view to purchasing
New-York tribune., 1920-05-23
Two Hundred Houses Under Wav

of The Tribune idea that homes essential
housing situation be ered ground has already been broken
hundred oneamly Aeiglr
Norwood sections of Long Island City and have been made
adding their number other sections rapidly materials
assembled These subway
Manhattan being built with materials which
below the market With the
lowered production be sold the
public the being we'll
beyond present period of economic