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2 CO-OPERATION IS NEEDED IN MARKETING OF COTTON Officials of Farmers' (Jnion of Te\? Issue Statement to Correct a Wrong Impression. To the Members of the Farmers' Ed ucational and Co-operative Unloi of Texas: "On account of certain statement! appearing in the publice press con cernlng the meeting held at Dallas o the Southern States Cotton Corpora tion, seemingly connecting, as we be lleve, the Farmers' Union of Texai with said corporation, we deem i necessary to give out a statement a: officials of the Farmers' Union o Texas. We wish to officially state that a qo time did the Farmers' Education al and Co-operative Union of Texai in any of its regular meetings ^through its regular elected and au thorized delegates, endorse the mar ketlng plan of the Southern State! 'Cotton Corporation, and no stat< official in connection with headquar ters of the Farmers' Union have dom ao at any time. We make this state ment because through the statemen1 In these articles the membershii throughout the state may be mad< to believe that the Farmers' Unior or its ofllcial had given their en dorsement to the marketing plan ol this corporation. The state official! of the Farmers' Union of Texas ar< strictly adhering to the marketing plan of their own organization, ami have not and do not now endorse th< marketing plan of any corporatior or selling agency for cotton excepi that of the Central Selling Agencj established at Houston by the Farm ers' Education and Co-operativ? Union of Texas, with E. F. Slirop shire, as its manager. It is the onl> organized Farmers' Union selling agency for Texas that is in this state and we believe that the farmers car ?? tj,0 value* r?1 VUUIC licain F,rvm^ IU* '? v.. their cotton through the Centra Selling Agency of the Farmers Union than through any other sys tern now organized, whether It be If or 20 cents per pound, and no well Informed person will contend tha< middling cotton is not at all timei lntrinsiciy worth 15 cents per pound and at times 20 cents. The Farm ?rs* Union in effect, through its ef forts in the past eleven years, ha; clearly demonstrated that fact, ant they have succeeded In selling cottoi through their warehouse twice dur log that time for 15 cents per pound The matter of securing money fo: handling of the cotton crop has no always militated against getting tin price for cotton that it was worth for last year and the year hefon ample arrangements were made b; the Farmers' Union to take care o the distressed cotton to market tin same slowly so that the law of sup nlv and demand could assert itsel and have full swav; hut the farmer failed to use it because they believi that 13 cents per pound to be a goo< price; in that their judgment wa "bad. Now what we need most, witl plenty of money, is the co-operatioi of the farmer with the Central Sell ing Agency established at Houston The Farmers' Union represents th farmer, and has experienced men t handle their business at the least ex pense to the farmer, and plenty o money at 6 per cent to advance 01 cotton to those who need it. and a the same time the cotton never get out of their hands or control of th 'farmer until he receives full valir for same, unless he elects to d< otherwise himself. We know tha some people do not believe that tin farmer is competent to attend to hi own business through his own svs tern, hut we believe that the average farmer is just as competent to d< business for himself as those of an: other calling or profession. Th< only thing the farmer is shor on is co-operation, and they are ltn proving in that every day. There fore, the whole matter Is a farmer': i>i iMiH'in iiim rail uui) oe BOivec through him. and hp can solve i only through his own organization and the Farmers' Union is the onlj safe and sane, strictly farmers' or gnnlzation that he can depend upon while other friendly agencies can am will help him materially, he shouh not allow himself to he used for tin purpose of sacrificing any principh of the Farmers' Union for the sak? of such help, for we can afford tf lose the help of any and all rathei than sacrifice anv principle whatevei of the Farmers' Educational and Co 4 operative Union of Texas. At tin same time, we ask for the co-opera tion of all legitimate and honest in terests that want to see justice don< *to the farmer, as well as all other w'ho do something for the country' good, and we believe that all loya members of the union will suppor their own institution. PETER RADFORD. President. U. SMITH, Secretary-Treasurer. * ____________ The President All in White, Washington Letter to The Bosto Advertiser. President Wilson has discarded h gray for pure white. No white win . could be more approvingly attired i the popular color of summer. A] parently the President believes th Is a better way of being comfortab than by means of a refrigerator the cellar of the White House coc lng his office by means of 7,000 toi nt Irp The President shows himself t the very hot days in white from t< to bottom, even to the shoes, whii are of white canvas and with rubb soles and heels. But apparently this style of sui mer dress is not an Innovation wi the President. lie has lived in t South before. Indeed, he was bo in Virginia. It would seem, too, t President has long worn white, f the cut of his clothes indicates style discarded for many years. To cure a Cold lit One Day Take I.AX ATTVR BROMO Qnlnine. It stop# Cotisrh and Headache and works off the C< I?ruegi = ts refund mon^y if it fails fo ci E. W OKOVIi S signature on each box. ; I The Moral Kfi'ect 1 Loan A The Wateree Messenger of last i week has the following to say of the i anlanrlid address of Capt. W. M. I l Shannon on the subject above men- 1 tloned: || A good citizen is a valuable asset 1 * to any community. Camden has a * number of them, and prominent lull the list of good and useful citizens is ' I Capt. W. M. Shannon, who has used I < his splendid talents for the advance- | * ment of the best interests of this j town and county. For many years J: j! he has held a conspicuous place iti i the legal profession of this state. Asi' | an attorney and as a citizen he has i no superior in this community. Among j i " the important enterprises in which n * he has taken a leading part is the 11 ' Huildlng and Loan Association. He 11 has a score and a half years exper- i ~ ience in the Enterprise Building and :i 4 Loan Association, of Camden, which ^ was established here In 1883. He : ~ was therefore well qualified to speak i on the "Moral Effect of a Building M and Loan Account," the subject assigned him at the meeting of the , South Carolina Building and Loat\(i ' League, which met recently at Ah- i beville. We take pleasure in repro- i P ducing his excellent address on that , occasion, which was as follows: i J It is a pleasure to respond to your , Invitation to address this convention j | of the South Carolina Building and , Loan League and to advance some ( suggestions on the ''Moral Effect of ( a Building and Loan Account," the r subject assigned to me. This is a congenial atmosphere in | 4 which I find myself and after thiity ; years of active service in this work , I am a pronounced enthusiast on this r subject; and I do not hesitate to ad-! ' vance the opinion that an associa' tion condiucted on broad and liberal i j. grounds is entitled to rank with the I church and school room in its great . work and in the wholesome and ele_ I vating influence which it is exercis lng with the citizen. [ I The work of the three should go ' ^ hand in hand. The school room develops the youthful mind. The church expounds its teaching of * 'truth, purity and virtue. The Building and Loan Association furnishes , the home and thereby produces an ^ at mosphere in which the teachings J of the school room and the cnuren develop a higher citizenship and a higher moral character. P This may seem an extravagant t statement to one who has not gone s deep down into the merits of this system and studied its influence and p benefits In a community, for most k, persons consider these associations f exclusively from the standpoint of a p profit on the stock held In It as an Investment. f While the question of profit is one s necessary for successful management p It should not he the sole conslderaj tion and an association should not he s an instrument of oppression by ( means of which high rates of Interj est. fines and penalties are levied upon the borrower for the benefit of the investor. i p i The original conception and purn pose of the Ruilding and Loan plan was the co-operation of its members , in providing homes for each other ,, and this is still the purpose and aim ?f o otifl tnip ncqn< s i elation. p Those familiar with the early hisn tory of tlio T'.niliiinc and Loan Assoclation find it interesting to follow t its growth and to contemplate tlie p influence it lias had in tin? develops ment of our eountry. The first of these associations in * the United States was established in the state of Pennsylvania in 1831 r and today Pennsylvania has more ? than 1.500 associations with a meint hership of nearly half a million and . ! with assets of nearly $200,000,000. The official reports for the year ' j 1011 show that there were in opera1 tlon in the United States 0,000 assot ciations with a combined membership of 3.3.32,280, and with a com; hiiied capital of $1.0.30.687,131, and' . this large capital is devoted to huild: iiic homes for the citizens of this j . great country. i We all realize that South Carolina i has just fairly started her materia! ' ? development and the field is ripe for | i Immense possibilities jn Building and ? I-oan work, and we should not negr Ieet the opportunity, r Our people should he educated to ! - the great advantage of these associa- j I tions and the simple and economical - methods hy which homes are pro vided through tliem. ? They should be favored under the s law and legislation should be enacted s < by which they should he relieved 1 from the burden of taxation, for an t agency that provides capital to prodace property for taxation should not itself be taxed. It will be admitted that the highest degree of domestic happiness and contentment, the loftiest ideals and the purest lives are found in those UinillH1* wmcil PcllllfT ariMIIIll llirn own hearthstone and fireside at night. Is We all know the Inspiring amblg tlon of a young couple on their marin rtage is to build their own home. We [>. see and hear them studying and dials cussing plans and their faces light le "P with anticipation and the hearts In go out to each other as they picture >1- in their minds a cozy little cottage? r?s their home Just then and there a purer life >n and a higher citizenship starts Its \P growth. The moral effect of the un home Is In evidence. The home Is er made possible through the Building and Bonn Association and thereby i1" the moral effect Is produced. The home life, the family life Is ' what is required to cultivate and .rn4 grow orderly lives, pure thoughts, ' kindly and unselfish dispositions. (,r pure lives and highest citizenship a and whatever agency makes possible | and provides the home produces the j efTect. It Is unusual to find a business in,he stltution which so completely eonstitutes Itself the guardian or trustee for the borrowing class among its THE LANCASTER NEW I ^ >f a Building and * ccount pi w pi members as do these associations, ti uid out of this guardianship starts hi the growth of the "moral effect" It which we are considering and which i grows in proportion as the trust is ui well administered. This subject should be treated from the standpoint of the borrower r< from the fact that this is the largest I [ lass and the one which secures the w greatest benefits. w We will present the ease of a bor- h rower who flies his written applica- h tlon for a loan to build a cottage. e< This application should always t?e si accompanied by plans and speciticu- b lions for the building. The papers must be referred to the loan com- si uilttee, which is an important one a and should be composed of practical tl men and those having some experience in matters of building. In u handling this application this con:- tl mittee should ascertain the financial n standing of the borrower, the size of w his family and such other facts as n will enable them to see that he g builds a home suited to his needs, o Care should be observed that a competent contractor undertakes the it construction of the house that it may o he built comfortable, attractive and h convenient. p If the committee Is tactful, intelll- ii gent and considerate it will-be able F to establish cordial relations between n the borrower and the association during the course of these negotia- v, tions. The borrower grows to re- , P 1 l.l If .... -...1 A guru 1111119^11 <10 |ini i anu pmtci ui v the association, his self esteem and.s sell' appreciation are increased, a I moral uplift takes place and a higher ' citizenship is created in him, and u the moral effect of the lluilding and I Loan work is again in evidence. The business methods of these as- > h sociations, too, is valuable and bene- 1< ficial to its members. The systematic ( h and orderly way in which the month- a ly or weekly payments are collected tl is an excellent business training and f( promptness in meeting business en-,e gagements is thereby cultivated, y Habits of saving and economy are P encouraged and wastefulness and improvidence is checked. A coinmu- a nlty of savers soon becomes a com- f munity of small capitalists and the t aggregate wealth from small savings t builds up various enterprises and ? nrn?norltv fnllnva . 6 The practice of imposing small 0 fines upon deliquents is a good dis- a cipllne but should not be excessive ii or should not be Imposed arbitrarily ? or for the purpose of profit. This practice should he used to stimulate d and to encourage promptness in R meeting monthly dues. Members are frequently heard to 1 assert with pride that they have paid '' their dues for 10, 15 or 20 years and have had no fines charged against them. Thus the wholesome effect of P this practice is demonstrated. It cultivates a desire and ambition to v stand out as prompt in meeting bust- t ness obligations and the benefit of f this training is a valuable asset. I Young men should he encouraged t to join these associations while e habits are easily formed under good d discipline. Ever so small an invest- f mont in this stock is an advantage I: through its business training. v In its own small way it puts a F premium on promptness In buslne t affairs. It encourages habits of thrift, saving and economy. It oh- 1 structs the tendency to idleness, a worldliness, extravagance, the cur? ot tup generation, ana leans nun channels which will develop character. business ability and success and higher citizenship. Just here I shall ask your indul- 1 gence, that I may recite a few in- ; stances coming under my observation In connection with Building and Loan work. Thirty years ago I was invited to accept the position as attorney and to assist in the organization of the ; association which I represent here today, and I am conscious that my long connection with this work and 1 the daily contact with these most j and enthusiastic men who were my co-oworkers in my early life have exercised an influence which is of priceless value to me. I soon became impressed with the advantages of this system and purchased my own home through the association. I paid in monthly instalments daring a period of ten years a sum epual to a reasonable house rent and the home was discharged from the mortgage. In the long ago, I had a friend who had recently married. He was working on a small salary and living in ft rented house. He owned a va rant lot which ho had gotten from his father's estate. He was anxious to build but did not have the means. This association had Just started Its work and Its plan was explained to him. The result was he built a home throngh the association. He paid for a period of about ten years a monthly Instalment which was something less than he had been paying by way of monthly rent and he cleared and discharged tue mortgage on his premfses. ! A merchant owned a vacant lot on the main business street of the city j sufficient to accommodate two stores. He 'was a man of limited means, so i 1 he built a place of business on one | half of the lot and left the other half vacant. a It was explained to him that he could advantageously build another store on his lot through the Rulldlng and Loan Association and that his rents from same would take care of the loan, lb- built the store #nd It was leased as soon as complw> I for a sum sufficient to pay the Monthly assessments on his loan, together with taxes and insurance. This association has built two churches in the city and aided in the improvement of others. In 1808, when the money panic had driven the banks to the wall and private investors were afraid to turn loose their money, it supplied from its monthly i collections the funds to complete the B, JULY 22, 1913. ty graded school, until the school >nds could be sold on the market. These are only a few of the con>lcuou8 benefits of a well conducted ?8ociation in furnishing homes, aces of business, places of public orship, public schools for the peole of a community. Each associaon represented here has no doubt ad a similar experience and has lent s aid in building up its community Two interesting cases which came nder my observation were touching istances of profound appreclattor ad gratitude on the part of the bor >wer. Some years ago a maiden womai t * 1. ? I. ~ /%! n I ?% 1 < <1 mnthni nil 111*7 * UI c UI ail iiitauu mvvuri as meeting the battle of life bj ard labor and living in a rente* ouse. In her despair she approach il an officer of this association ant :ated her distressing condition. H< ecame interested in her case ant fleeted an arrangement by whicl ie purchased a small lot and bull modest but neat and comfortabh iree room cottage. The woman found It difficult t: nderstand how It had come abou i a t she had a home and that he: lonthly payments to the associatloi ere less than her monthly rent pay tents had been. She seemed to re ard it in the light of a dispensatioi f Providence. After she was comfortably settle* 1 her home she called on this office f the association to thank him fo is aid, and said to him in her aim le, but earnest way, "Every nigh i my prayers I beg my Heavenl; 'ather to bless you for your good ess to me in providing me a home.' In another case a widow womai ith her children was living in i silted house. Iiy industry and eeon my she had saved enough to buy i mall lot in the suburbs of the city ler heart yearned for a home here she could gather her childrei nder her own roof. She applied to this same officer o tie association for help. In time th ome was provided by means of >an. Soon after she occupied he ome she wrote a letter to this office ml expressed her appreciation 1 tiese touching words: "I shall neve orget your kindness to mo, an very night I prav God to provide fo ou a home in Heaven as you hav rovided one for me in this world. While this poor maiden woma nd this poor widow woman did nc ul ly comprehend the metho hrough which they had obtaine hese homes, their hearts were ful f gratitude which they so eamestl xpressed, and they paid a high trl -ute to Building ana i^oan worst i skng the rich blessing of Providenc 11 their dally prayers for this ? ffice f this association. The suggestion that a mar. en lowed with great wealth should re :ard himself in the light of a truste or this wealth, and administer it fo he benefit of his fellow man is nfty idea. It should not, howevei ie confined to money alone but t luslness talents and to business oj lortunities as well. Let those then who are identifie kith Hutldlng and Loan work exten his trusteeship so as to embrace th orces of capital, business ability an usiness opportunity. Let them If >or together to enlarge the field f ndeavor and let not the enthusiast lirainish until every citizen of th ;reat republic shall be provided wit lis own home and fireside frot vhich he may each day issue h rayer and praise and thanksglvln o a Divine Providence. In this great work let us start i ML. ahoiil/l ovolto (Tfo.itor At iuiixc. ?? r nuuuiu CAi/ivc p,i rui*:i 11 Bakes ] To Perf Bakes it Y\\ crisp ? in steady ovei a cool, com kitchen. .New Pfcrj "OiiCooil iSmoJkelmmm y Bakes, br The New F Cook-stove ii a coal or \ Cheaper thar I everything as Burns kerose est, handiest No coal or ashc No eoot. No : II STANE Washington, D. Richmond, Va. Norfolk, Va. WHAT IS Ml 1 : Anderson Daily Mail. a ' 1 Meningitis is the inttnummatlon of ' the mebranes of the brain and spinal ? 1 column. The membranes are thin L layers of tissue which cover and line w certain organs. The membrane of & 5 the brain was known as the mater, or i > mother of all the tissues of the body. 1< 1 The dura mater is the tough mem- n * brane which lines the cavity of the c skull and spinal column. The pla a 1 mater is the delicate and tender p I* nnimhrn na inimodiatolv Invoatin v tho r ' brain and the archnold is a thin cob- p 1 web membrane between the other li * two. The three membranes taken ' together form the meninges, or sack 3 which contains the brain. 1 There are two forms of menin- c 1 gitis, one is inflammation of the dura V t and is caused by wounds on the . 2 scalp, fractured skull bones, or to v extension of inflammation from the | ? middle ear. The other form of men- . t ingltls 4 more common. It affects . r the dv. 'te membrane. Hydro* caphalus *.* a disease of childhood, f - sometimes known as tubercular men- 1 - ingttis, or water on the bratn. I i Numerous outbreaks of epidemic s cerebro-spinal meningitis, or fever, i I have occurred. It is highly infec- e r tious and occurs principally among I r children and young adults. There is t - a distinct organism which causes the i t meningitis, and it is believed that the s y organism reaches the circulation c - after an attack of inflammation of i " the bowls. t n The onset is generally very abrupt, t a _________________________ a TOO LITTLE HEED P. ,i 1 The Salsberry Tost Says: < | The Catawba County News decla- j i f res that it wants every person that ' < n has an automobile to get all the plea- 1 a sure possible in riding, but thinks 1 'r there is too little heed paid to the i r speed law. 1 u It has always befn a wonder to us ' r ' why more people are not killed by < the speed fiends than are, and noth- i r ing but a kind and watchful Provi- 1 e dence has prevented more deaths and .. serious injuries from the reckless i _ ?driver of autos. While we all feel. like the News, that while drivers and ; d = d thusiasm in the annual meetings of 11 the local associations through the y means of short addresses. Let us re- ! solve these meetings into experience n meetings. Let the modest citizen ? state his views and opinions of the j r moral and financial advantages , which have come to him through his r association. 5~ j Start this spirit of enthusiasm in I ? the individual association and it will 'r extend to the state league and on to ' a the United States League. And as p> the spirit grows it will saturate the ? people, then the legislative bodies, >" then the courts and in time all will 'Join hands in expanding to its utd most possibility this grand system of d providing homes for and thereby ime proving the moral character and eled vating the citizenship of this great country. >f Would that each member of this n convention had the -opportunity of is attending one of tho annual meetings h of the United States League of Local m Huilding and Loan Associations, is i There the picture of this work g throughout the United States is displayed before you in its immensity it by the report of the secretary which l- covers its growth from year to year, Bread Cg* ection r_jl jhtand 'uTs'W a slow, )'V] fortable I ' f 'J Action. t j~|t -stove ? Odorim? oils, roasts and toa; Perfection Oil The new 4 5 cleaner than Stove cooks a vood range. with ^ea r> i and discomfc 1 gas. Cooks just how mu well ac either ? Smaller sto\ ne, the clean- burners. fuel. Ask your d< New Perfe * to broiler and c moke. No dust. write for de )ARD OIL CC , C. (New Jersey) DA* D/\L. A IlVlWIVt, iNINGITIS ? ud the patient is immediately prosrated. The symptoms are generally f a nervous character, such as fronil headache, generally very intense, 'ith rigidity of the muscles of the ack of the neck. In many instances delirium fol>wed by coma is met with. The lortality varies from 30 to 60 per ent. Opium is very often serviceble in allaying the pain. Lumbar uncture has been used by mauy to elieve the pain. This means to luncture the backbone below the evel of the second lumbar vertebra. Various serums have been used nd that produced by Flexner Is the uost successful. Flexner Is a Jouthern man, native of Louisville, Cy., and a graduate of Johns Hop;ius. He has experimented widely rith snake venoms, and has made pecial studies of bubonic plague, (acllllary dysentery, etc., and In 1911 was awarded the coveted Cam>ron prize by Edinburgh University. Serum is, technically, the watery >ortion of the blood, but in a general lense indicates a medicinal remedy n the form of serum for correcting ind counteracting poisons in the )lood. There is a serum for diphheria, and a serum for the dread neningitis, which always has been turrounded by more or less of an air >f mysticism because of the suddenless of the attack and of the delicate ind almost inaccessible portion of ;he body affected. \ID TO SPEED LAW owners of automobiles ought to get ill pleasure possible out of their machines, they ought to be more carerul and thoughtful in their driving. The law is made to protect the lives and rights of the people and it ought to be enforced. The Post has not written at any time on this matter except to help bring about better conditions. Without abridging in the least the right and pleasure of sane automobile users the law should be enforced to protect the public against the don't-care-a-rap sort who are frequently found at the wheel. ? with its membership well up in the millions and its capital well up in the billiODS. * This report is followed by addresses from eloquent and enthusiastic workers in the many associations of the United States and foreign countries. When you leave these meetings you are possessed with feelings which came over you when you have attended some unusually spirited and attractive church service or some unusually pleasant and gratifying school exercise or some high class and inspiring public address. Your pulsation is quickened, your heart has grown warmer, your soul has expanded and your citizenship is more lofty, and you are convinced that the Building and Loan Association is second to no institution on earth, and is doing for the material comfort of man what the church is doing for his spiritual growth and advancement The moral effect is In evidence before you and your thoughts turn in gratitude to the great system which is accomplishing so much for mankind. sts. -burner Perfection whole meal at once st expense, trouble >rt. Indicator showg ch oil is in font. res with 1, 2 or 3 'alcr to show you a ction with patent >ther accessories, or scriptive circular to >MPANY . Charlotte, N. C. Charleston, W. Va, 11 ^ Charleston, S. C