Historical Newspapers of South Carolina

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Tage Two McCORMTCK MESSENGER, McCORMTCK, SOUTH CAROLINA Thursday, August 2, 1934 McCUKMiCK MESSENGER Published Every Thursday Established June 5, 1902 EDMOND J. MCCRACKEN, Editor and Owner Entered at the Post Office at Mc Cormick, S. C., as mail matter of the second class. SUBSCRIPTION RATES: One Year $1.00 Six Months .75 'T'Virpo Months .50 INVESTING IN BETTER LIVING. To buy a modorn homo, small or larce. expensive or inexpensive, is fo make an investment in better living. Construction has stood still the psot few years, ever since it tum bled to the depths with de pression, but contractors, designers, builders and equipment manufac turers have continued to improve their services and commodities. They have given us not only more comfortable, but more efficient homes—hemes in which four or five rooms do the work that six rooms used to do. They have given us new ideas of heating, ventila tion, air-conditioning, furnishing, designing. They have given us mechanical equipment Which can be adequate ly described only by the word "marvelous”—equipment which is more-than-human in doing work inexpensively and quickly, that used to take back-breaking hours before a furnace or over a wash- board. And, to cap the climax, building costs are still well below normal levels. There are plenty of skilled and unskilled workmen. When we build we give men jobs and not only get a bargain for ourselves, but advance recovery by stimulat ing purchasing power and indus trial production. There are few better slogans than *‘Build Now—Repair Now!” -1X1- Trench Silo Costs Little But Labor Clemscn College, July 28.—“The farmer who gets the most out of •his fodder, turns it into silage,” becomes an old truth with a new meaning as many farmers find that trench silos place silage with in the means and reach of all who have time to dig them. As a measure of conserving every bit of feed, C. G. Cushman, exten- *ion dairyman, points out the ease with which trench silos may be constructed. These are merely trenches dug in the ground with the ends on an incline so that a team or tractor can be driven through, as practically all the con struction work is done with team or tractor power. The side walls are finished smooth and nearly perpendicular with a spade so that the trench "is narrower at the bot tom that at the top. The width depth, and particularly the length vary with the number of animals to be fed. If allowance is made for spoilage, a storage space of 60 to 70 cubic feet or more will be required to obtain a ton of silagf for feeding. A site with good drainage if Important. A soil which is toe sandy or one in which the water table is too high is not satisfactory Another objection is the accumu lation of water when there is a heavy winter rainfall. This objec tion can be overcome by building a shed-type roof over the silo. As a depression measure, many far mers in South Carolina have con structed straw roofs, which serve to protect the silos in winter and prevent sloughing in summer while they are empty. F«*cause trench silos are not very deep, the silage does not pack much by its own weight, and i be tramped during or afte: filling. This can be done by mer » vumals, or with a tractor, Tlr c:\ZZ should be covered with 4 tc G Inches of straw and then with C 10 inches of earth. Trench silos are emptied by be p.L r ing at one end and workinr toward the ether rather ttoan frorr too to bottom as in the case o riles, above ground. If one end c ♦-L ' trench is sloping, a cart, wagor or ‘ruck can be backed in to mak removal easier. t > T To Massachusetts alone four Icr cf bees arc used to fertilize the a pie blossoms. Alaska is pronounced ‘‘ideal ’ radio receotion, distant slat: tel rec Manifold Ways in Which the Banks A re Serving the Nation Handling Millions of Transactions Daily for Individuals, Cor porations and State and National Governments—The Structure Strengthened and Deserving of Public Faith By FRANCIS MARION LAW, President American Bankers Association T^HE banks of the nation provide the * machinery through which pass daily many millions of checks and drafts, aggregat ing hundreds of millions of dol lars. The banks are largely financing the Federal Gov ernment in its Re covery Program, i n v O/l v i n g the greatest peace- time expenditures ever known. Likewise the F. M. LAW banks are largely financing the cur rent credit needs of states, counties, cities, public schools and other polit ical sub-divisions, all of which have in timately to do with the daily affairs of all of the people. Each day banks throughout the coun try are making hundreds of thousands of new loans and they are renewing and extending old loans for the accom modation of a vast number of borrow ers, these borrowers being individuals, corporations and partnerships and their loans being incident to agricul ture, industry and trade in every com munity in the land. The banks, through their trust de partments, are continuing the work which they have faithfully carried on throughout the depression and are pro tecting tfust funds placed in their care against the worst shrinkage of values ever known. Included in this activity Is the service the banks are performing in connection with administering the affairs of widows and orphans. The banks, through the medium of their savings and thrift deposit depart ments. are furnishing safety for the accumulations of many millions of people and on this class of deposits reasonab'e interest is paid. Banks are providing a service for the safe-deposit and safe-keeping of the possessions, papers and securities of a very la:ge number of people. The officers of banks are unstintedly and unselfishly giving advice and coun- sel to the people of their coipmunities, thereby to a considerable extent guid ing their daily financial and fiscal af fairs during this most difficult period of disturbance. The Ba-king Structure Strengthened The b.:r' ing structure as It is today has been greatly strengthened and the process orstrengthening still goes on. Banking is not a closed science. The banking system which we have had was not good enough, and I earnestly believe that an able and non-partisan commission should be set up to make a study of our numerous banking laws to the end that a properly correlated banking system might be worked out and submitted for consideration to the next Congress. A good system wonld include rigid requirements as to management. In telligent and impartial supervision and. In due time, unification of supervision. Such a system, composed of banks adequately capitalized, capably man aged and conscientiously supervised would eliminate any possibility of a recurrence of what has happened in the past four years. The temporary Federal deposit insur ance plan under which deposits in banks up tc $2,500 for each account are Insured has been in effect for six months and has proven a potent factor in restoring confidence. Only two small banks out of over fourteen thousand holding membership in the fund have failed during this six months’ period. The temporary plan has been extended very wisely for a year, and the amount of the insured deposit has been in creased to $5,000, thus Insuring in full over 98% in number of the depositors in the country’s banks. Hoarded money is returning to the banks and deposits are showing a vast increase. Banks everywhere are super liquid, meaning that they have an un usually heavy proportion of their de posits in cash. There are two kinds of unemployment in this country—unem ployment of men and unemployment of dollars. These men and these dollars must be put to work. Banks In strong and highly liquid condition are pre pared and determined to do their prop er part In putting money to work. Requisites for Grants of Bank Credit That brings me to the all important question of the granting of credit by banks. Two things are necessary to increase bank credit: 1st. The banks must be liquid and confident in their own strength. 2nd. Business men must further lay their fears and regain confldenca to the point where they will dare to think and plan ahead. The first requisite Is accomplished. The second Is in process. Bank credits will Increase money will go to work as soon as k*ein*ss men get over their disinclination to borrow and this will be when they begin to see profits within their reach. In past depressions the real move ment of the expansion in bank credit has always come after general busir jss recovery got under way and not before. The number of good credit, risks Is in creasing daily. Not in my time have good borrowers been so warmly wel corned at banks as they are today Nev er before has there been such ccmpe- tlMon for good loans, nor has the in terest rate ever been so low. Every sound business in the country today can get what money it needs. A Return of Normal Lending Banks are badly needing loans for revenue purposes, and now that confi dence in banks has been largely re stored they are naturally returning to a more normal lending policy. Before the bank holiday the confidence of the people was shattered. The thought up permost in the minds of depositors was the safety of their funds. Withdrawals from banks became increasingly heavy and general. Under such circumstances the banker, mindful of his primary re sponsibility to his depositors, was more concerned in the collection of loans than in the making of new loans. The result was a severe contraction of cred it. For this the banker should not be blamed. He simply performed his mani test duty. Bankers at this time are very prop erly viewing the credit needs of busi-' ness with serious and sympathetic con sideration. Applicants fpr loans are not always familiar with the rules govern ing bank credit and constructive and interested help on the part of the bank er will bring about the making of many additional loans, without doing vio lence to any principle of good banking. Certainly no one would advocate the making of unsound loans by banks. The creation of a large volume of unsound loans would not only weaken the banks —it would prolong the depression and wipe out some of the gains already made. It is to be earnestly hoped that no banker will yield under the pres sure of his desire for earnings, or for any other reason, and make loans of the wrong sort. John Ottley of Atlanta, in a recent address, said—“The plan of lending freely and hoping for the best has never proven wise.” There are many needs for credit of kinds which are not within the province of commercial banks to meet. Likewise there are many type? of credit, but there are also many types of credit fa cilities available—enough, it would seem, to meet the requirements of all classes of worthy borrowers. The Duty of Every Banker is clearly the duty of every bank er In the country to perform certain services. The most important are: 1. To afford perfect safety for de posits. 2. To grant credit to those who de serve it. In the matter of credits the public must in fairness remember that com mercial i banks are not lending their own money, but the money of their de positors. represented very largely I'y the earnings and savings of the peo ple. The people who own these deposits have accumulated them through years of labor and sacrifice, and in many cases the deposit represents their all. These depositors have the right to call for their money at any time, or at most on short notice. Deposits constitute a sacred trust. There are certain'basic principles in sound banking that must be held onto even in this period of change, but the progressive banker must be responsive to changing conditions and he must be active in seeking proper opportunities to meet the sound needs of his cus tomers. In a recent message to Congress, the President said—“I am greatly hoping that repeated promises that private in vestment and private initiative to re lieve the government In the immediate future of much of the burden which .it has assumed will be fulfilled.” Repeated assurance has been given by the Administration that there is no desire on Its part to continue govern ment lending a moment longer than Is necessary and tha.t at the earliest pos sible time the government will gladly give way to the banks and other lend Ing institutions. This, of course, is as it should be and we are all earnestly looking forward to the time when pri vate Initiative and enterprise shall have recovered its vitality sufficiently to throw government crutches away. Numerous bank failures have ere ated in the minds of many a grossly ex- aggerated idea as to the losses of de positors in closed banks. The record indicates that depositors In banks which closed in the past three years will realize on an average about 65c on the dollar. That would mean a loss of 33%. It has been estimated that dur ing the depression the average value of investments in stocks lost about 90%: bonds similarly declined approxi mately 60% and commodities 65%. Deposits in sound banks continued to be worth 100% throughout the de pression and 90% of the bank deposits of the country were not affected. Bankers Deserve Confidence The country can have full confidence in the integrity and competence of the bankers of the country. Out of the les sons of the last few years has come experience that will be valuable to the banker and to his community. He can be counted on to show a proper appre ciation of his responsibilities and oh ligations and to take his place among those who are making earnest and un selfish effort to promote recovery. He is not infallible, but with every power that lies within him 1 believe he may be depended upon to fulfill bis duty as a custodian of the people’s money, as a dispenser of credit and as a God fearing American Citizen imbued with sincere regard for the common good Summer Resorts Beckon to Holiday Seekers mm;. Ill mM. -X-NV"/ --'X- Ml mmi m im S -KVi :WxW'::-:xx- Ml mSIm D ELIGHTFUL vacation resorts off the usual beaten track can be reached easily with a Ford V-8 cabriolet, illustrated above. For that reason, it is in great demand for week-ends in the woods, at the lake or the seashore. Flashing power of the Ford V-8 engine is equally available for a hiih-speed cross-country run or pulling along a rutted wood’s road at the end of the journey. The seat has plenty of room for three. Two others can ride in the rumble seat or the rear deck space can be used for carrying luggage. If a storm threatens the folding top can be quickly raised. Iby Rirv. GLarlea E. Dt»*uau SUMMONS FOR RELIEF J Elisha Helps the Needy. Lesson for Aurust 5th. 2 Kings 4. Golden Text: Matthew 25:40. What a contrast is Elisha to his fiery, two-fisted, flint-like prede cessor Elijah! Elisha is a gentle, gracious person who devoted him self, like our Master, to deeds of mercy. He truly lived in accord with the meaning of his name, “God is Salvation.” Our chapter opens with an ap pealing story of help administered by Elisha to a poor widow whose husband had been a devoted proph et. He found her burdened with a heavy debt, her creditor, in his impatience, actually demanding her two sons in payment of her obligation. Now note that Elisha did not give money to the woman, but wisely enabled her to help herself. “What hast thou in the house?” was his inquiry. One is reminded of Peter and the lame man who sat at the gate of the temple. The apostle had no funds, but he gave the poor fellow something much finer, namely life itself. Thus he lifted him to a plane of self-help where he was able to work and earn in self-respect. And what was the widow’s reply to the prophet’s query? “Thine handmaid,” she said in despair, “hath not anything in the house save a P°t of oil.” No doubt she thought this oil was hardly worthy of mention. But the Bible is never tired of assuring us that the weak can become strong, that the small can grow into the large. Here we have a graphic illustration of this truth. $lisha instructed the widow to borrow vessels from her neigh bors, to shut herself up with her sons, and then pour oil into the vessels. She obeyed. And / with what results? The oil miraculous ly increased so that there was e- nough to fill all the vessels! The lesson here taught is ob vious. The woman had little. Bui spurred on by Elisha she put tha. little to work. And to her amaze ment it multiplied many fold! Wr grow through using whsid little capacity God nas given us. the first line of which reads. The Holy Bible," and which con tains Four Great Treasures ■ATmiU ^BAKIUK AN UNKNOWN AUTHOR When we say that Isaiah’s ow book ends with the magnificen pdem, which concludes chapter 35 somebody raises an objection. “Th book of Isaiah has sixty-six chap ters.” he says, “and how can it em at 35?—” The answer is that be ginning with chapter 40, this boo’ has another author. We do no know his name, nor why he too’ such great pains to conceal it. Fol lowing the exile one hundred year or more after the work and writinr of Isaiah himself, there were som useful but rather commonplace prophets, Haggai and Zechariah whose messages helped on the work of rebuilding the temple, but who can not be called great men. 3u‘ one truly great voice did speak out the voice of this splendid Unknown, the author of the last chanters of the book which is all labeled with Isaiah’s name. He described himself as “the voice of a herald” crying. “Mak? straight in the desert a highway for our God.” He called men to grade the roads, cutting down the hills and filling the valleys and prepar ing to go back to Zion. He dot?s i*ot name Isaiah nor refer to any king or event contemporary with him. On the contrary, these chapters were clearly written a hundred and fifty years later in the time of Cyrus. Thus saith the Lord to hi' anointed, lo '"yrus, whose right hvd I have holden, to s in;! !? r.a icnj heft:? him; . . . I will go before thee, and make the crooked places straight: I will break in pieces the gates of brass, and cut in sunder the bars of iron: And I will give thee the treasures of darkness, and hidden riches of secret places, that thou mayest know that I, the Lord, which call thee by thy name, am the God of Is rael. Even though Cyrus was a hea then, he was God’s Messiah for tha event. Talk if you like about b?in‘ broad-minded! Then think of tlv prejudices that prophet had t' overcome to make such a declara tion. And think what came of it a new nation, a new and pure worship, a new epoch in the spirit ual history of mankind. Here is his vision for the rebuild ing of Jerusalem: Arise, shine; for thy light is come, and the glory of the Lord is risen upon thee. For, behold, the darkness shall cover the earth, and gross darkness the people: but the Lord shall arise upon thee, and his fclory shall be seen upon thee. And the Gentiles shall come to thy light, and kings to the bii°htness of thy rising. A"d this is his dream of a regen- 'er?.t° society and a peaceful world - a new heaven and earth, that is, a new theology and a new politica’ • conomy. Next We ^ ’ r '"vah Land Copyright, 1.gV:3-Merrill Co. STATE OF SOUTH CAROLINA, County of McCormick. * In the Court of Common Pleas. V/. T. Self, Plaintiff, against Frances Adams. G. W. Adams, Jr., Josie Carrie Hill, Luther Adams, John Adams, Will Adams, Emma Adams Price, George Bland, Car rie Lou Bland, Charlie Bland, Press Quarles, Anna Adams Hol loway, Tames Roosevelt Adams, L. F. Bland. Rosa Lee Adams, C. C. Bland, Rosada Bland, Mamie Quar’es and Beaufort Tutt, as the only heirs at law and distributees of George Adams, Dec’d., and H. M. Self, individually in his own right and as Administrator of the Estate of Mrs. M. A. Self, Dec’d., Mrs. Kate Robinson and J. A. Self. Defendants. TO THE DEFENDANTS ABOVE NAMED: YOU ARE HEREBY SUMMONED AND REQUIRED to answer the Ccmplaint in the above entitled suit, a conv of which is herewith served upon you and to serve a copy of your answer to said Com plaint upon the subscriber at his office in the City of McCormick, State and County aforesaid, within twenty days, exclusive of the day of service; and if you fail to answer the Complaint within the time a- foresaid the plaintiff will apply to the Court for the relief demanded in the Complaint. F. A. WISE, Plaintiff’s Attorney. Dated this the 20th day of June, 1934. TO JAMES ROOSEVELT ADAMS, L. F. BLAND AND ROSA LEE ADAMS, INFANT DEFENDANTS ABOVE THE AGE OF FOUR TEEN: YOU WILL PLEASE TAKE NO TICE that unless you anpear and have a Guardian Ad Litem ap pointed by the Court to represent you in the above entitled suit with in twenty days from the service of the Summons and Complaint upon you. exclusive of the day of said service, the undersigned, as At torney for the plaintiff, will apply to the Court for the appointment of a Guardian Ad Litem in the man ner orovided bv law to represent you in this suit. F. A. WISE, Plaintiff’s Attorney. Dated this the 20th day of June, 1934. TO C. C. BLAND AND ROSADA BLAND, INFANTS UNDER THE AGE OF FOURTEEN. AND CHARLIE BLAND. THE PERSON WITH WHOM THEY RESIDE: MAMIE QUARLES. AN INFANT UNDER THE AGE OF FOUR TEEN. AND FRANCES ADAMS. THE PERSON WITH WHOM SHE RESIDES: BEAUFORT TUTT, AN INFANT UNDER THE AGE OF FOURTEEN. AND JASPER AND MATTIE WELLS. THE PERSONS WITH WHOM HE RESIDES: YOU WILL PLEASE TAKE NO TICE that unless you anoear and have a Guardian Ad Litem ap pointed by the Court to represent you in the above entitled suit with in twenty days from the service of the Summons and Complaint upon you, exclusive of the day of said service, the undersigned, as At torney for the plaintiff, will apply to the Court for the appointment of a Guardian Ad Litem in the manner provided by law to repre sent you in this suit. F. A. WISE. Plaintiff’s Atto r nev. Dated this the 20th day of June, 1934. TO THE DEFENDANTS ABOVE NAMED: YOU WILL PLEASE TAKE NO TICE that the Summons, of which the foregoing is a copy, together with the Complaint in the above entitled suit, was filed in the of fice of the Clerk of Court, in and for McCormick County, South Carolina, on the 12th day of July, 1934, and is now on file there. F. A. WISE, Plaintiff’s Attorney. Dated this the 12th day of July, 1934. 3t.