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\ . VOLUME LIIL, M3IBER 95. KEWBERRY, S. C., FRODIAY, DECEMBER 31, 1915. TWICE A WEEK, $1.50 A YEAR. ?- ? CHEAPER 3I0NE1 TO CUSTOMERS | OF COMMERCIAL BANK i President Jno. M. Kinard Announces in ! Interview With Herald and News 1 That He Will Lend at 7 Pet. ; ' Far a banker to come out openly and voluntarily and make the bold statement that his bank has decided to lend '-if i > 'MBI '( money to all the customers of the bank 1? at a rate less than -8 per cent is refreshing and encouraging, and we believe will be of great benefit to his Ibank, and will cause it to make more money than it has ever made before. ^r- John M. Kinard, the president of the Commercial bank, has made a success of the institution ov?r which he f presides, and he has given a lot of study in recent years to the subject of credits, and we believe it is a true boast of the bank that it has never lost a note, except a small one, and that one could have been collected by suit, but it is against the policy of the [ bank also to sue any one if it can possiblv be avoided, and up to this time, / during the twenty years of the life of the bank, it has loaned many thousands of dollars and has never yet had to sue to collect a note, except one note, and that was afterwards collected. ^ You may^rest assured that Mr. Ki 112.171 is an rae nme looKing aner interests of the bank, but in doing so he also thinks of the interest of the patrons of tlie bank, because it is by ^conserving their interests that he can BPtain their support and by it make- the ^Biccess which the bank has attained. Br. Kinard makes the announcement Ka&t he is going to lend money the year to all the patrons of the l^hrcial bank at the rate of 7 per ^^^KThat means a saving of one Hpr about 12^ per cent,-in the K the patrons of the bank have H^HH[ng heretofore. Hard sees great possibilities Helopment of tviis section, if P.y conserve our ?wtj reMsan-d make the proper use of ^radvantages. And in this he is Bt. By helping to do this he will help to build up the business of m bank. IlMt. Kinard is an optimist and really [is not such a difficult matter for a an to be an optimist who has made Iney, and who is connected with an ?titration that is prospering, but all te same it is refreshing and pleasant >w and again to meet up with and fc to a man who sees the bright side Is, and who can see the ray of the future, and who does not pt the whole old world is on I to the demnition bow wows. I even a poor country editor ?r, especially aX the prospec* o? getting a little lower rate of interest. We stepped into (Mr. Kinard's pritate office the other at the Commercial bank, and casually asked him what he thought of the prospects for the new year, and the outlook for ihe -future. In reply to our inquiry Mr. Kinard readily began to talk in an interesting manner, and we are satisfied that som^ of the patrons of the bank, especially the borrowers, will be pleased. H? replied: \ "T Knliovo \1> fhot flip nr/ttt. A. wv. ' * V * V-J *11 i. . 1-i U A wv* j I V**v vw pects for the future are the brightest since I have been in the banking business. I believe we are entering upon i wonderful era of prosperity, provided, of course, tnat our people will conserve and preserve their resources and reduce the cotton acreage even from last year s planting, and diversify their crops in every way. They must also enter heartily and co-operativeliy into the spirit that is already possessing so many of our people with reference to stock raising. If this is done nothing can keep this section of our country fr^m going forward in leaps and blinds financially, and it will only be f, lew years before we will have the Ek>st independent and the most dependable section of this whole country. "In order to do what we can as a bank." said Mr. Kinarri sneakine of tlie encouragement and help which he proposed for his banking institution to play in this development in our immedite section, "and. manifesting our keen appreciation for the excellent support and hearty co-operation that the people of Newberry county have extended to us, we propose, during the coming year, to strike down, ill so far as we can, and are able, tha: monster detriment to,the advancement of so many people?credit?by furnishing the customers of our bank who are able to give us bankable paper, sufficient funds to economically administer their affairs upon a cash basis. And we propose to let our customers have this money at the rate of 7 per cent in 'order to encourage them to get on an economic basis, this being a saving in the beginning of 12y2 per cent of what they have been paying for money. They will not only cavci thi?i Hut on nrpftiinf rvf hpin2 able to pay cash for what they buy, they will save from 25 to 40 per cent in addition, as will readily appear to any man who has considered the mat- j ter for a moment. This rate will not apply to any particular class of our customers, but to all alike. "I have given this matter of cred- j i- ? J Af_ Tr 1 3 i i _ i. J _ 1 I us, saiu ?vir. rviuaru, a 15real utai of thought recently, and'I am convinced that by the carrying out of this plan it vrill mean comfoH and ultimate independence to our customers." / h. MA MG QUICK BREAK WiiH IEUTOWC 1 OWtRS AISTKIA'S REPLY IS NOT LIKELY TO SATISFY. j Inofficial Advices in Washington Con 1UUU |U 1'Vicigii lmiiiiuiivuo w* Trouble?Expect JKupture. Washington, Dec. 2S.?Unofficial advices recei. ed here today conformed with intimations from abroad that Austria's forthcoming reply to the A11cona note will fail to meet the demands of the' United States and Teutonic diplomatic circles .vere authori ;ative:y represeiiiea as picpnicu i'or a break in diplomatic relations between the two countries. Various devlopments, it was agreed, mignt avoid such an eventuality, but none of the counterproposals which it has been intimated the Vienna foreign office might advance have been regarded so far as coming within the state department's renewal of demands regarding the Ancona. Now that the situation, after being dormant nearly two weeks, is again beginning to take on the aspects of a crisis, the status of the negotiations 01 the United States over submarine warfare against merchantmen, not with Austria alone, but with the Teutonic powers as allies, is commanding attention. Although Germany has given the United States assurances j that she will conform to the principle of visits and search before attack, the oo-oi-n.c.t W'Tllfih thp TTnit^f] yi aw,a lucv, ! ? 1 States so vigorously contended are being carried on now by her ally, Austria, and it has been charged that the Austrian submarines are in some instances furnished by Germany and in others are officered and manned by the German navy. Such a situation, it is being pointed out, amounts to practically a defeat of the submarine ne gotiations with Germany. Furthermore, the impasse in the Lusicania negotiations becomes a factor in the situation. Must Be One i-aw. It is admitted that the United States scarcely can request Austria to conduct submarine warfare in its relation to the rights of neutrals in a manner different from that permitted to Germany. Germany >has admitted her obligatn. oinlr linorc wit.hftllt '{HvinJ? liUU UUL IV/ Q4Jlia. liuvi u avmvmv c. . .MQ warning and making provision for the safety of passengers and crew prot.iding there was no resistance. So far I no agreement' has been reached as to che exact meaning of the word liners. The Germans hold it applicable to vessels carrying passengers alone and plying between certain points on regi u'ar schedules. ?The state department's view has been that the terms include amy merchant ship belonging to a reg ular steamship line, but no issue has been made of the differing interpretations because Germany has undertaken to* use such precautions as may be | consistent with the use of the submarine as to warning merchantmen fas to insure the safety of passengers and crew provided these are net a part of the military establishment of the enemy. Broader Demand. The demand of the United States j upon Austria in connection with the j Ancona case is broader tnan any German admission, bling based upon the contention thai, international law, The Hague conventions and the declaration of London all require warning before sinking a vessel, and insurance of the safety of the passengers and crew, even when the vessel is of belligerent ownership. The Austrian government has not admitted any such obligations and recent events in the Mediterranean indicate that submarine command\ ers are sinking merchantmen without warning and without inquiry as to whether they carry neutral passengers. Sn far nr> p.XDlanatian beyond that of military necessity has been offered. Unless the expected note from that government should amount to a sudden and total severance of diplomatic relations, it; is expected in official quarters that the Austrian foreign office will seek to justify its methods, perhaps adopting one of the original German contentions in the Lusitania case, thar the appearance of the submarine as a weapon of war has introduced new problems and not only justified but demanded a departure from the o'd rules, a . _ .... ? ,<g> U SOCIETY. 3>| , < > <$>' | Foremost among the pleasant offairs j ci cnrisimas weeK was ine uance given tluesday night, Decemb; r 28, at Mayes' hall by the Newberry German club. The music, furnished by Wherry's orchestra, was excepiioivallp good and the floor of the hall in perfect condition. Dancing was enjoyed until 12 o'clock, when, refreshments were 1 served. Then once more dancing was resumed and continued until the "wee sma' hours of the morning." The dance was led by Mr. Frazier Evans with Miss Woodie Bowman. Those participating were Miss Pau line <jriiaer wuu ah . r uniiau shore, Miss Florence Bowman and Mr. iVetts Fant, Miss Sarah Houseal and Mr. John Goggans, Miss May Reid and Mr. Guy Brown. Miss Blanche Smith and Mr. Richard Floyd, Miss Margaret Burton and Mrs. F. E. Hipp, Miss Kate Summer and Mr. J. X. iVr'artin, Miss ( Mary Frances Pool and Mr. R. F. . 'A right, Miss Sarah Fant and Mr. Ned : Purcell, Miss Octie Griffin and Mr. C. M. Dennis, Miss Trent Keitt and Mr. Chalmers Brown, Miss Goode Burton and iMr. Robt. Pool, Miss Kathryn ftarms a'nd Mr. Ollie Brown, Miss Mar'garet Mcintosh and Mr. E. H. Spear -VT: 1 ?J A AT? Uo? man, ^vj-ibt -vmuitru jKv<tiis anu .ui. nausky, Miss Et^iel Bowers and Mr. Raymond Fellers, Aldss Rhea .loynes and Mr. John Kinard, Miss Walker and Mr. las. Crotwell, Miss Wilder with Mr. Alfred Matthews. Stags, Messrs. Sam Crotwell, 0. B. Mayer, Jr., Dave Caldwell, Wm. Cappleman, Clarence Daivis, Nicholas Holmes, Will Wright and G R. Smith. Chaperones, My. and Mrs. John B. Mayes, iMr. and Mrs. J. E. Norwood, Mr. and Mrs. Everett Evans. Mrs. J. B. Joynes, Mr. H. H. Evans, Mr. and Mrs. Johnson. * * * Miss Cornelia Mayer entertained most charmingly Tuesday afternoon in lienor of her guest, Miss Clara Connor. ' ^ " The beautiful colonial home of Dr. Mayer was most attractive with its Christmas decorations and the beautiful scene within presented quite a contrast to the globmy weather without. Rook was the chosen form of entertainment for the afternoon, and six tables were arranged for. After a number of games had been played a mcst delicious sweet course was served. Among those sharing the pleasures of the occasion were Misses Margaret Burton, Rusalee Summer, Marian Jones, Kitty Coke Smith, Jeania Wheeler. Mary Dunn, Kitty Mayes, Sadie Fant and Messrs. Qiick Floyd, Frank Wright, J. N. Martin, Robt. Hcuseal, Gus Houseal, Jack Smith, Stemple, Dutch McLean, Bennie Mayes, Jessie Mayes, Charles Barr, Jcli 11 Kinard, Jr., Benedict Mayer. * * * N Miss. Marguerite iv.'at thews gave a pleasant dance and Christmas party combined Tuesday evening. Automobiles carried the guests out to her beautiful sub-urban home, where a most enjoyable evening was furnished the guests. lihose present were Bertha Gallman. Eophie Xell Crotwell, Sehna Crotwell, Sarah May Haynes, Annie Hunter, Anna Coe Keiit. Cora Ewart, Dutch Fant, Marguerite Matthews, Lucy Dunn, Azilee Parr, Mildred Puicell, Mary Frances :Cannon, Frances Houseal, Xancy Fox, Roberta Mann, and Marion Blease, Ferd Scurry, Harry Summer, Tinsey Davis, John Floyd, Clarke FloVd, Ernest Digby, Drayton Xance, Joe Xorwood, Clifton Coleman, Foster Smith, Forrest Crotwell and John Hig gins. Miss Dutch Fant entertained a num<ber of her friends Monday morning with a dinner party. The table was beautiful with decorations suggestive ( of -the Christmas season and a most sumptuous course dinner was senved to the following guests: Rhea Joynes, Marguerite Spearman, Marguerite Mat thews, Mildred Pur-cell, Janie McHowie, Harriet Mayer, Azilee Parr, Nancy Fox, Cora Ewart and Sarah Davis. * Mrs. J. B. Hunter gave a beautiful and unique party at her home on Main street Tuesday afternoon for her niece.. Miss Janie McHowie. Just after the arrival of the guests a contest was en <$> <$> v THE IDLER. <3> * ?' <$><$><$><?> < > Sx8><S><S><S>^^><S>^<g> Gccd bye, olc 191."). in some respects I am not b >rry you are going to Lave us right no?\. fou were a mighty hard year. Anyhov, I am going to wipe you off my slate. And I am going to wipe off all hatreds and bad feelings and anir.-icsitics, th^ is if any one has any a gainst me. I never did have nothing against anybody myself. I reckon that is good grammar and good English. If it isn't Prof. Setzler will have to excuse me this on^ time and I will try to get my 1 Af r rvn Ki-vf f Ar n A\'f rv? A T nf up oil UCtltl Liiiiv-. JJCl UO- Cklstart the new year with a clean slate and a new pencil and look to the future with hope and at the same time do the best we can all the time. It is good to be an optimist and a dreamer, bur the trouble is you never have anything. You never saw a real good and beautiful dreamer in your life who er had a penny. They are all as poor as the famous Job's turkey, but all the same they get a whole lot out of life hv rlrno m i n cr <a Hnii irffc tViov arc uj ux auvuL tiivj u.* v going to have some time in the near future, and I reckon they get their pleasure in the pursuit rather than in the possession. That used to be ^ great subject for the debating societies in the country?Was there more pleasure in the possession than in the pursuit? It all depends. I am 6ne of those who believe that happiness is within. It all rests with the individual. If he is stingy and mean and selfish he can not be happy though he may frr tr\ Viimcalf intr> fVtlQ t Vi?vUof ii j1 iu xvyv_/x xixuicvxi aiiwv wxivi., Eut he reall-y does not know the real and true meaning of the word. ?o^And this reminds me of a little para- j graph I read the other day which runs something like this: "Xo man ever accomplished anything worth while in this world whose thoughts are employed in the consideration of things h? can do to the other fellow. The man who thinks of things to do for the other fellow is the one whose memory is kept entered into to discover the mbst skillful drawer of Santa Claus. There, the guests were invited into a room where there was arranged a large spider web in the center of which were cones containing the fortunes and pinned on the j toes of stockings filled with Christmas sweets. Each guest was given a string of the web and untangled it to find her T1iat> Mioc? Tonin llVT n T-T a n* i o JLV/l Hint. X 11 11 1UIOO KfCLkJilX^ 1UV1AV n recited "The Night Before Christmas," and when she came to the word "there arose saioh a clatter" a loud noise was heard in the parlor and when the folding doors were thrown open a veritable Christmas snow scene was presented, with Santa Claus in the midst. Little Everett Hunter represented Santa Claus and was seated in a white sleigh with three white reindeer. In one corner of th? room was a white Christmas tree frosted and lighted with myriads of sparklers and with a gift for each guest upon it. As the presents were distributed each one read her fortune. After this the guests were invited into rhe riinins room, where a delicious sweet course was served. Those enjoying this delightful entertainment were Misses Marguerite iMiatthews, SeCma Crotwell, Sophie Nell Crotwell, Bertha Gallman, Sarah May Haynes, Annie Hunter, Anna Coe Keitt, Caro Edwart, Julia Summer, Dutch Fant, Marguerite Spearman, Lucy Dunn, A&ilee Parr, Mildred Purcell, Mary Frances Cannon, Frances Houseal, Elizabeth Greneker, Grace Wil bur, Sarah Davis, Grace Summer, Harriet Mayer, Nancy Fox, Roberta, Mann, Mary Klettner, Mary Kibler and Rhea Joynes. The Ladies Aid society of the Lutheran church gave one of its very pleasant social meetings Tuesday afternoon. Mrs. J. H. Harms was hostess and gave all the guests a most delightful afternoon. ? * * One of the interesting social events scheduled for this week is a silver tea to be given by the Jasper chapter, D. A. R., at the residence of Mr. and Mrs. W. H. Hunt. * * * Miss Mary Dunn gave a delightful party Monday evening in honor of her cousins, the Messrs. t)unn of Camden, S. <C. Progressive rook was played and green." The man who thinks of something to do for the other fellow is the one whose memory is kept green, but lie is the one who is really happy, however much the other fellow may try to fool himself into the belief that he is happy. ?o? And that reminds me of a sentence I saw quoted somewhere, and I think credited to Bishop Denny of the Metiicdisi church, which reads like this: "Tell me the things you remember and I will tell 'you the. kind of man you are/' Well, now, just as Bishop Denny says, there is a whole lot of truth. You know there are some people you meet who will remember the unpleasant and unkind things and the things that are disagreeable, and they seem never to think for a moment of the r pleasant and nice things, and then there are those who do think always of the nice things and are all the time gaying nice things and they must think nice and clean all the time. But all I wanted to do this time was to say good-bye and au revoir to old 1915, .and may all the years that are to come be 'better and pleasanter, and on rViot tn nil thp r?pnnlf? of tMs srreat 1 land of ours. ?o? I Well, Christmas came and I hung up my stock as I said I would, but old Santa passed me up, and I didn't get even a "lim'' in mine,t but I am siot pouting or grouthy, because I am glad that I had a stock to 'hang up, and other little children were made Happy. Why, I ussd to nang up my srock on New Year's eve, but I am not going to do that this year. I am almost frt ooir it Kilt foot ic j tts^uaiiicu tu ctij it, uui, iuvk ^ w ? i get but one remembrance all this Liiristmas time and that was a nice little Christmas card with all good wishes from the paragrapher of the State, and I appreciate that -and want to return to him the same sentiment. J know that these people who read my stuff every week appreciate it and are benefited thereby, and they don't mean anything by not telling me, and I am glad to be able to serve them. When so fine a paragraph?r as that fellow on the State thinks enough of m?v stuff to send me a Card 1 know it has somg-? thing in it worth while, and I am made bold to tell you that I am going to . continue to write for the old Herald and News, if the editor will print it. I am glad for this beatriful balmy weather and for the fact that no one wa^ killed in Newberry during this time of peace and good will and tnat i all the merchants had a good trade and j ' that the people had the money to spend and that they spent it. And that everybody feels good and that all of us wall start on the new year with a buoyant spirit and that tne farmers are planting .grain and that they are going to raise cattle and hogs and not play the fool by planting all cotton because the' price went up a little Jhe past fail and made it possible for them and all the rest of us to feel like living. Again, good bye, old 1915, may 1916 bring better things for all of us and may we find the end better than the beginring. THE IDLES. I CUrd of Thanks. ; | We wish through these column to express our heartfelt thanks and ap! preciation to all out friends for the j many kindnesses and courtesies shown I us during the last illness and death of I our wife and mother. IWe are grateful beyond expression, and may God greatly reward you. Gratefully, J. L. C. Davenport and Children. City Officers Chosen. City council met Tuesday night and elected the following officers for the ensuing year: City clerk and treasurer, John W. Chapman. Superintendent of streets, Jos. W. Werts. Chief of police, E. L. Rodelsperger.. Policemen?H. 0. Stone, H. D. Wibittaker, John P. Livingston and G. fW. Connelly for the city, and Geo. Y. Dickj ert and Rome Franklin for the Molloj 'hon and Newberry mill villages, rel spectively. i ran j i? Boinest-Lominick. On Tuesday, the 28th, Miss Willeeze i Boinest, daughter of Mr. and Mrs. "W. Bowman Boinest of. the St. Paul com| munity, wa,s married to Mr. Horace Lominick, the Rev. Y. von A. Riser of