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V [ow She Saved • i the Batik ; A Financial Story of-the < | 1907 Panic By WILLARD BLAKEMAN There are different ways of further- in* one's getting on in the worlc). Shortsighted persons can see only one way, which is acting on the adage, “Every feilow for himself and the devil take the hindmost." Neverthe less men have made fortunes by help ing others. The difference between this class and the other is that one acts with a view to bettering his con dition, while the other acts through kindness of heart. When I was a young man I obtained a position in a bank and by attending faithfully to business rose to be cash ier. I was economical, so far as my own personal expenses were concern ed, bnt I don't think I was mean. 1 would never lend small sums to my young men companions, but when any one really needed assistance would give it outright. That I had good Judgment in making Investments is proved by the fact that my savings grew rapidly. When I was twenty-seven years I married Molly Ersklne, aged twenty. A year after onr marriage word came In from a western town that there was only one bank In the place and room for more. After talking the matter over with my wife I decided to start a bank there. I got some of the stockholders of the institution with which 1 was connect ed Interested in the project and with . my own capital in due time opened my 'doors for deposits. . I found that the man already estab lished. John Itedfleld, had antagonised certain persons by declining to give them all the discounts they desired, and, there being no other hanker In the town, they had taken steps to have one establish himself there. These persons welcomed me, oiiened accounts with me and averred that If I would do a liberal business and not be scared at trifles I would soon do all the business at the town. 1 saw at oace that Itedfleld was not pleased at the aitpearauce of a rival and took secret means to discredit me. He kept the best and safest accounts, while the weakest came to me. But by adhering rigidly to flxed principles of banking and acting on the aupitoel- tion that there was business enough for both of os I got my share of the new deposits, which were Increasing, und occasionally one of Redlteld e cus tomers would fhll to me. But. as I had maintained, there was business enough for both, and at the end of five yeers Redfleld bad more titan held bis own. while 1 bad obtained a solid footing. Bunkers, like sen ca|»tains. must ex pect storms. 1 matinged my affairs with this In view; but. as in tbe case of a sailor, much depends uiton the facility with which he can get In sail, so the banker's safety depends u|>ou his shinty to get in his loans. If tbe captain keeps hia sails furled he will make no headway, and If the lainker kee|« his money lu his vaults he will make no money. When the punic of l*fl07A - auie on I waa In as good. If not better, condition tban the average banker to moot the storm. It looked at one time during that jmulc as If the financial structure of the United States was about to col- la|>se. 1 confess I was in great fear that it would carry me down with it and bury me under its ruins. Every day more money was withdrawn from circulation und locked up. I got in all the loans I could and sold at a great sacrifice all my private property. This .fund I turned into gold, took It to my home and concealed It under a latnrti in tlie floor. I proposed to keep it to enable me to pass a crisis. The financial barometer—the New York stock market—continued to fall, and money grew proiiortiouately scarce. One morning 1 beard that u run had been started on Ih-dfield's bunk, and ns the day wore on the line before tbe paying teller’s window increased. There was nothing like a run on my bank, but during tbe day the amount drawn was three times Hie usual av erage. Tbe next day the line leading to the paying teller’s window of Itedflold’s bank was increased, and at noon Ked- field came to my bank and told me that he must either have help or close his doors. He asked for it on the ground that if he went under the panic would extend to me- and I would be carried down with him. # I told him that I did not think so. That there would be a run on my bank I was willing to admit. But my intelli gent depositors would not draw their money, and I oduld pay all the rest. “Then,” he said. "I am ruined. I am too old to begin again, esiiecially with a debt hanging "over my head. If I had $20,000 or $30,000 to tide me over the rest of tbe day I conld pull through, for tomorrow I am promised tuiyment on a sale of bonds l have made.” > ‘ j ' It waa then 12 o’clock. I told Red fleld that I would cqnalder the matter of helping him and let blfli know V 2, If not earlier. He went hack to the hungry crowd before hia bank, and I. celling an auto cab. went home There T found my wife and told her that I waa eallad. apon to save Redfleld. with ♦Vr ' ■ tMty.of going under . I gave U* tbe gold d I had In raaarva he would pnll through Bnt my trouble Waa still to coma, and, without the funds I had sacrificed my property to provide I knew 1 could not meet a rum My wife ♦bought a long while before reolylng. \7beu she did she as id: ‘‘Give it to him. He is an old man and to break down would kill him. I have little doubt that in saving him you will go under. But we are cons* paratively young and cyn begin again." “Remember," 1 said, "begiuuiug ugaip is a hard thing to do.” “So it is. but when I or another must perish I prefer to give way to the utber.” Without replying. I took up the board concealing my treasure and was about to put tbe gold iua satchel when my wife stopped me. _ “Go'back to the bank." she . said, “and let me attend to this. Ybu are needed there, and I can co'uvey this gold to Mr. Redfleld.” There were the shining gold pieces that I had accumulated slowly and by constant work and that I was going to send to another on the eve of need ing them myself to gave me from ruin. “ ‘Charity begins at home.’ ” I said to Molly. “I fear we are going to do something we will regret.” “That adage has a good deal of truth in It.” she replied, "but I have never come across any adage that will cover every case. I prefer the one ‘Cast your bread upon the waters.’ *’ “Very well, sweetheart; if we go under through saving another you will not chide me with haring done so and 1 shall have a stout helpmeet with whom to begin anew.” I left my wife to attend to the mat ter in her own way and returned to ray own Immediate duties. A few minutes before 2 o'clock Molly came to my batik. “Well.” she said, “I’ve taken the gold to Mr. Kedtleld. T chose a coarse bag that bad held potatoes to carry it in, and I he bulk looked very small. It oc curred‘to me that I would be seen de livering ft at the bunk and if 1 conld make the ftowd believe there was more of tbe gold It would Induce con fidence. I emptied the coal scuttle standing lieslde tbe range into the bot tom of the bag and put the gold on. fop." “All of itr “Every dollar." “Go on." “When I got the coal and the gold In tbe bug und had tied a string around the top 1 cut n slit lu tbe bag near the gold, over which 1 held my hand. Then I called a cab. got In with tbe treasure and drove to tbe Henderson bank. When I reached It I sent In for some one to come out and carry it inside. The crowd watched the clerk take the bag from me. and as I handed It to him I took my band sway from the silt l had ent In It and out rolled half ■ down gold pieces. “The crowd set up a shout, autt, hur- •rying the clerk into the bank, I picked up the piecee on tbe pavement—that Is. all I could And. 1 think I must have lost something like live half ea gle*. or $25." “An Investment worth $25,000!” I exclaimed. “As i went Into the Imnk to take a receipt for the funds there was an other sbbUt, and I noticed a number of i>erxonM leave the line." I threw my arms about Molly's neck and kissed her. There was a call at tbe telephone. It was Itedfleld. » “That wife of yours." he said, "far more than the gold she brought lias an veil me. We have counted a down depositors whose accounts would ag gregate $.'10,000 leave the line. The gold wouldn't have been enough. It was the eoal that did it!” I told Molly that I had had some very large amounts drawn during the day and if there was as much cash called tor on the morrow I would surely go under. The next morning 1 was horrified at seeing a 'line of unintelligent depos itors before my bunk waiting for tbe doors to oi>eu. 1 thought I could stand ihe run for that day, and I did. but the next ns curly as 11 o'clock our funds had been so reduced that I knew we could not keefi paying till the clos ing hour. v The morning Journals had given an account of my wife’s arrival at Red- field's bank with a bug of gold and of the effect it bad produced. This help ed me a good deal, but it seemed that every depositor 1 had in the lower walks of life was in line. It was half past 2. and our pile had'been reduced to $200. Despite the delays practiced by the receiving teller to gain time I knew It would-not hold out for the re maining half hour. At twenty-nine minutes to 3 Mol ly drove up to the bunk with a sack and called for some one to carry It iijto ,the bank. 1 rushed out. seized it and ran with it into the bank amid the plaudits of tire crowd. When I got it into my private oflice and opened it, hoping that Molly had effected a loan, I was shocked to see nothing but nut eoal. But her ruse was effective. Some of those in the line, having deposits which for their class were quite large, on seeing her carry In a bag. suppos ing that she was repeating her act of the" day before, left tbe line, leaving those near tbe window whose accounts were verjr small. When the clock struck 3 ami the window was closed there was but $12 in the bank. Bnt meanwhile Itedfleld had got his loan and the next morning return ed sufficient of what l had sent him to carry me through. As soon as all da ger had passed tmraff the gratitude to tell the story of how be bad been sav ed. and. while Molly became a heroine, I profited in emolument*. Of all the acts of my life this ; V '1 —"— 1 The Barnwell People Weekly Southern Farming Weekly - 1 year $1.25 \ Both 1 year $1.00i TO ONE Total Value $2.25 / ADDRESS This is a most unusual offer and a remarkable bargain—prices have been slashed. By dividing the expense between ourselves and the publishers of SOUTHERN FARMING this special price is possible, and you can save $1.00. SOUTHERN FARMING is published at Atlanta, Ga. It is the best farm journal for Virginia, North Carolina, South Carolina, Georgia, Alabama, Kentucky, Tennessee and the South. With over 375,CJO readers, it is still locally adapted to your own home state. i * SOUTHERN FARMING represents a great constructive force in agri culture—the foremost apostle of better homes, better schools, better living, better farming and larger progress. SOUTHERN FARMING carries regular departments covering live stock, poultry, husbandry, truck farming, fruit and orchard farm ing, soil and land management, agricultural engineering, dairying, farm crops, veterinary department, forestry and landscape garden ing, farmers’ organizations, home and household department and. a continued storv. SOUTHERN FARMING supplies a special service to its subscribers. There are but two crop reporting agencies in this country—the Orange Judd system and the Federal Bureau. The government reports are issued from the standpoint of everybody—producer, consumer, middleman and speculator; the Orange Judd ref are primarily and solely in the interests of the producer, reports cover everything, and it foliowid closely save hundreds of dollars in the course of a season. SOUTHERN FARMING’S editorial policy is fearless, able, construct, ive; it champions the needs, rights, duties and priviles of ou r new eports These fanners and their families. It co-operates with every kind of farming. Its editor believes in the agriculture and st ands on the platform for a square deal for all workers. SOUTHERN FARMING is the great home weekly, not only for the father and son, but also for the mother ' and daughter, who perform so important a part in making a real success of the American farm bone. This briefly outlines just a few tof the many features that go into etch issue of the SOUTHERN FARMING— from 20 to 40, or even 60 pages or more each week. Over 1500 big pages and 1500 pictures in .a year’s numbers—more than 600 columns—enough to make twenty books that sell for $1.00 each. . tv To save that $1.00 you must send in your order now—if you put it off you might be too late—do * it today before you forget it. Send your order to THE BARNWELL PEOPLE BARNWELL, S. C. Send Your Order Now- Today A Story of tbe Ozarks. If you want to meet Sammy Lane and know all about her sweet love, her thrilling life among those good and bad folk of the Ozarks—if you want to know about the man who would not fignt for her, and also about the man who risked his life for her dear soul—if you * want to know about Sammy’i father, Jim Lane, the old Bald Knobber, Uncle Ike, the Postmaster at the Forks, with his "Ba Thundayf” “Preachin’ Bill,” “A sayin’ things as good as David Harura,”" “Wash Gibbs" and the old "Shepherd”—and all the rest of the people who lived among the hills, you can find it all in “The Shepherd of the Hills,’’ the dramatization of Harold Bell Wright’s novel, which opens its first annual engagement at the Barn well Opera House, Jan. 20. The dramatization was made by Mr. Wright with the assistance ofEisbery W. Reynolds. It is said to be even more interesting than the story in book form.—adv. - tM PERF SMOKELE TjON HEATERS -DlELESS in COMFORT Y OU need a good, warm room to shave and dress in. A Perfec tion Smokeless Oil Heater will warm any ordinary room in a few minutes. The Perfection is easily portable; you can take it to sitting-room, cellar or attic —any room where extra heat is need ed—and it is specially convenient in very cold weather. The Perfection is economical, too—it burns only when you need it. Nocoal, no kindling; no dirt, no ashes. Good-look ing; easy to clean and rewick; odorless and smokeless. For tale at hardware and general (tons. Look for the Triangle trademark -The Confederate vetenns and the widows of veterans i n Barn well County will please tske notice that I will He in the Auditor's office in the Court Hjuse every Saturday in January, coromenc- ng January 2nd. 1915, for the purpose of receiving applications for pensions. 'fr-' O E. Birt, Pension Commissioner. , Treasurer’ •. Notice. The Treasurer’s office will be open for the collection of State, County and School taxes levied for the fiscal year commencing Jan. 1st, 1914, from the 15 day of October, 1914, to 15th day of March, 1915 inclusive. A penalty of one - per cent will be added from Jan. 1st, 1915 to Jan 31, 1915 inclusive. From February 1st to Feoruary 28, inclusive, a penalty of two per cent will be added for all taxes paid in February, 1914. From the 1st to the 15th of March, 1915, a penalty of seven per cent will be ad ded on all unpaid taxes, books close Mch. 15th, 1915. LEVY. For state purposes 6 mills “ ordinary county purposes 5 1-2 mills “ back indebtedness 2 1-2 mills “ constitutional school 3 mills Total 17 miUk /* Commutation Road tax will be •l-&Q,^ fc> payable at shine time as other taxes. Special School Levy. i Ashleigh, Baldoc, Barbrty Branch, Cedar Grove, Columbia, Edisto, Ellen- tou, Friendship, Greens, Harmony, Hilda, Kline, Meyers Mill, Morris, Mt. Calvary, New Forrest, Oak Grove, Pleasant Hill, Sand Hill, Seigling, Seven Pines and Tinker* Creek, 2 mills. Barton, Bloomingdale, Cave, Hickory Hill,Owens Cross Roads, Reedy Branch, Shady Grove, Sycamore and Upper Richland, 3 mills. Appleton, Big Fork, Double Pond, Healing Spring, Hercules, Lees and Ulmer, 4 mills. Dunbarton and F.Iko Blackville and Fairfax Williston Barnwell Allendale United States currency, silver coin, county and 5 mills. 6 “ 6 1-2 mills 8 81-2 •• gold and school claims proved will be received for axes; checks and drafts will not be STANDARD OIL COMPANY (NEW JERSEY) V BALTIMORE Waabiaftoa, D. C. Norfolk, Vo. PfrhinMiili Charlotte, N. C. Charleston, W. Va. Charleston, S. G properly appr taxes; checks accepted for taxes except at the risk of the tax-payer. J. B. Armstrong, Treasurer Barnwell County. Barnwell, S. C., Sept 15. 1914. Auditor'* Appointment*. The Auditor will be at the following places on the dates named below for the purpose of receiving tax returns for the year 1915: Snelling, Wednesday, January 6th. Dunbarton, Thursday, “ 7th. Robbins, Friday, “ 8th. Millette, Saturday, “ 9th. Baldoc, Monday, “ 11th. Appleton, Tuesday, “ 12th. Barion, Wednesday, “ 13th. Fairfax, Thursday, “ 14th. Allendale, Friday, “ 15th. Kline, Saturday,'' “ 16th. Blackville, Monday, “ 18th. Elko, Tuesday, “ 19th. Williston, Wednesday, “ 20th. Mercatus, Thursday, “ 21st. Hilda, Friday, “ 22nd. Sycamore. Monday, “ 25th. - Jennys, Tuesday, “ 26th. Ulmer, Wednesday, “ 27th. Only personal property will be re turned this year. All returns sent in by mail must be properly signed and probated before they will be accepted. flH Remember. 50 per cent, penalty will - be added after F,eb 20. R. W. Riley, ‘ Auditor B. C. DR. W. C. MILHOUS, Office hours: 8 :30 a. m. to 6 p. n.. Persona living away fi-nn Ban jul will please make appoii .menrs beiM*" coming. By so doing they will be > me of immediate service ami Dr. J. W. Reeves Dentist In office last week of each month. Barnwell, South Carolina . Office in Harrison Building. oct31-12-l jr Dr. J. P. Lee, J r. Dentist WILLISTON, - - S, C. Work done at your home anywhere in Barnwell County. Office over Balnk of Williston. Hours 9 a. m. to 1 p. m. 3 to 6 p. m. 8-5-13-lv. Thos. M. Boulware, ATTORNEY AT LAW aaiata. money In sums not les* fan than •6,000.00. Office oyer Bank of Western fWr. m : UWWELU S.L