Richmond Palladium (Daily), Volume 39, Number 59, 19 January 1914 — Page 4

page four THIS RICHMOND PALLADIUM AND SUN-TELE GRAM, MONDAY, JAN. 19, 1914.

The Richmond Palladium

AND SUN-TELEORAlt.

Published Every Evening Except Sunday, by Palladium Printing Co. Uaaonic Building. Ninth and North A Streets R. G. Leeds, Editor. E. H. Harris, Mgr.

fm Richmond. It ctnU a week. By Mail, la advanceon ymr. $5.00; alx months, $3.M; one month. cent Rural Routes, tn advance one yean 2.; six month, F1.25; one month 26 cents.

Bntr at tit Post Office at Richmond. lBtna, as S end Class Mall Matter.

Bell Wright couMrr't think of any better remedy for the conditions which Dan Matthews encountered than for him to pull out of the work.

In other lines it is the same. Henry Miller grew so disgusted with the low tone of plays being demanded by the public that he has with drawn from a profession of which he was one of the proudest ornaments. What will happen to the world if everybody gets the habit of letting go when the going is hard? It migh be a good thing to add one more study to our already crowded curriculum for the purpose of teaching young America the noble art of hanging on.

Harpooning the Loan Shark.

It came out at a recent trial in Boston that a loan company of that hub of culture had in only four years' time realized a profit of $24,000 on an original capital of $1,000! That single

fact tells a trying story of hundreds of sweating victims, doesn't it? But we haven't anything on Boston. The loan shark is still with us. Of course, we passed the well-known "McCormack-Hughes Act" last year, but it doesn't seem to have done very much good. Investigations show that all its provisions have been side-stepped in one way or another by the smooth-fingered folks who run that kind of a business. The Fidelity Loan company, of Indianapolis, has been making loans on the basis of a signed rote which appears, at first glance, to adhere rigidly to the letter of the law, but which proves, on investigation, to violate it both in spirit and in letter. And what that firm has done it is said that dozens of others are doing every day of the year. The McCormack-Hughes act provides that no loan company can charge more than 2 per cent per month, but allows the concern a right to make an additional charge of 3 per cent on the amount remaining due when the loan is renewed. The trick now is, in order to get around that, to make the loans for one month, and then to renew them each month. By this plan the shark is nble to make his 3 per cent charge each month during the entire time its victim is paying it. The receipts produced by one Indianapolis man showed that he had paid more than 50 per cent interest on a $50 loan which ran him ten months.

It seems exceedingly doubtful whether any possible prohibitory law can avail to check this sort of thing. But that there is a way of stopping it is now declared by Julius Rosenwald, Vincent Astor, D. E. L. Gould and Andrew Carnegie. These men, who are worth, in the aggregate, nobody knows how many millions, have been working at a plan which they hope to use against the loan sharks. Rosenwald has spent several months in Europe studying the way they do it there, and is convinced a remedy can be had. Briefly put, the plan as advocated by them is to establish a chain of small banks over the

country, which will make small loans to workingmen who can give proof of good character. They reason on the assumption which the late J. P. Morgan held to, that character is as good p. security as property. A chain of banks is now operating in Italy, which makes loans as small as ten dollars. Rosenwald says it is working like a charm. This is not a form of charity. On the contrary, a sufficiently high rate of interest will be charged to return ( per cent to the investors. But all earnings over and above that will be returned to the borrowers in a decreased interest on the loans. Could and Rosenwald argue that the plan is no mere hypothetical scheme, but has already been quietly tried out here. They must know what they are talking about, because such men are not visionaries and know what finance is. We will hope they know what they are talking about, any how, because it would seem that some such method as this will alone succeed in driving from the ranks of civilized society a

type of human vulture which has never been surpassed for cold, calculating cruelty and for heartless rapacity.. But even if the plan is feasible, as we hope, it is not plain to us why the present method of banking may not be expanded to do this same work. If a small bank can do it, why can't a department in a big bank do it? Why is there a need of duplicating machinery when we have all the machinery we need in operation now?

Final Exams. "There will be no more final examinations in high school," said Prof. Giles recently. As the sight of a sail to a shipwrecked mariner, so was this announcement to the students. "Final examinations," said the professor, "are almost an injustice to the average ppuil. They

are too much of a memory test, and a case where the pupil with the best memory wins out. That is not what school work is for. Pupils should be promoted on what they do in the terms entirely." Those who have an interest in our school system and are solicitous for its successfulness in turning out thoroughly trained graduates will hail this announcement with almost as much joy as the students themselves. To the latter it means perhaps little more than a release from a dread experience that haunts the end of the term ; to the intelligent citizen, awake to the significance and worth of educational methods, it means that a great step ahead has been made in Richmond school work. The method has always been, and is still in a majority of schools, to make the final test of a pupil's work for the term by having him lock up all his books and notes and then recite or write from memory on a long list of unannounced questions. As Prof. Giles says, this is merely a test of the memory and reveals very little of what a pupil really knows or how well equipped he is in any given branch. Some pupils are gifted by nature with an unusually good memory. They pass with the highest grades at the end of the year. Others have not so good a memory, but a more permanent grasp of the subject, and have put in far more patient and thorough work on the subject, yet

they receive low grades. It is not fair to either

BETTER BUILDING YEARJPRED1CTI0M Cambridge Authorities Say Prospects Are Excellent.

CAMBRIDGE CITY, Ind.. Jan. 19 Lumber dealers and carpenters state that the prospect for building and repairing in and about Cambridge City this year far exceed that of last. Charles Jordan and Superintendent Giles of the Richmond schools, were here Friday. Mrs. B. G. Stevens, who has been the guest of Mrs. J. C. Norrls, has gone to Richmond to visit Mrs. Chas. Hieger before returning to her home in Liberty. Morrison Kirkwood, one of the older residents of the town, suffered a second stroke of paralysis Friday, affecting bis entire right side and throat.

Mr. Kirkwood has been ill since early

OVERWORKED STORK

by Mr. Sully win be wsed by Mr. Sayles this week. The entire comin a. j

ZTJL w "TB"Z r,, HAQERSTOWN. Jan. 19. The stork

be seen in the' besi pa heTa. bad og" 1 t during the engagement of the company , Jf A Tonight the country store will be to Mr. and Mrs. Otis Staumm and given again, and the capital prie will be a handsome piece of furniture, and . and Mr- Claude koke.

there wm be lots of fun for all.

CASTOR I A For Infants and Children. The Khd You Hars Alwajs Bought

Bears the

Signature

Gennett. The attraction at the Gennett next Thursday night is the Klaw & Erlanger lastest scenic production, the dramatization of Mark E. 8wan of Harold Bell Wright's great novel, "The winning of Barbara Worth." The dramatist has succeeded in preserving the atmosphere of the book and all of the interesting characters of the story appear in the play. "Stop Trlef." "Stop Thief" is a farce by Carlyle Moore. Two kleptomaniacs and a rea' crook strrt all the fun. Can you imagine a funnier situation than this? The kleptomaniacs mislay valuables

and the crook nips them for keeps. So

In the summer, the result of a stroke clever is the illusion of. the play that

Of like nature umi Hie auumnte leei uiicuiihciuu&i; Thfl niAAHne- nf th FriH.iv nlahr. for their valuables. It is further de

club will be held this week at the i clared that "Stop Thief"

home of Mr. and Mrs. W. H. Doney. Mr. and Mrs. O. U. Toppln 6pent Sunday with friends in Straughns. Mrs. Tillie Krtel of Connersville visited her mother, Mrs. Krahl at the close of the week. Gresham Drischei, employed at Cumberland, spent Sunday at home.

Rev. TJoe'pra of Pnvncn nr-r'uiiieri thp

nulnit at th Prsbvterian rhnrch Sun-! tou.i .. n&ive bystem of unemploy

day morning and evening.

will start

you giggling as soon as the curtain rises, and from that time on you will be apologizing to your seatmate for your hilarious behavior. "Stop Thief" will be the offering at the Gennett Saturday matinee and night.

Denmark is said to have the most

Mrs. W. H. Dennis and daughter.

Miss Hazel, spent Saturday in Indianapolis. Misses Hattie and Irene Toms spent Sunday with Miss Cora Hebbler. Miss Blanche Boyd was the guest of Miss Gaynelle Hageman Sunday. M. L. Bowmaster left for Lancaster, Pa., Sunday to join Mrs. Bowmaster, who has been visiting her parents, Mr. and Mrs. Wetzell.

ment insurance of any country of Europe.

Pale Girlo :anrf Frail Women uffer discomfort are languid, fretful and nervous, because their blood is thin or insufficient, bat if those so afflicted could folly realize the wonderful blood-mmk-ing properties of SCOTT'S EMULSION they would not deprive themselves of its benefits. Nourishment alone not drugs or alcohol makes biood and Scoff's Emulsion is the essence of medical nourishment free from wines.

alcohols or opiates. SCOTT'S EMULSION after meals fill hollow cheeks, overcome languor and make tranquil nerves. .

aetata autumn.

POLITICAL ANNOUNCEMENTS

AUDITOR HOWARD BROOKS Candidate for Auditor of Wayne County subject to the Progressive primary election. February 9. E. S. MARTINDALE, Greensfork. Ind. Candidate for Auditor of Wayne County, subject to the Progressive Primary Election, February 9th.

Only One "BROMO QUININE" That is LAXATIVE BROMO QUININE. Look for the signature of E. W. GROVE. Cures a Cold in One Day, Cures Grip in Two Days. 25c. t Advertisement)

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TRY COOPER'8 BLEND COFFEE For Sals at Cooper's Grocery

HOW TO SAVE YOUR EYES

"The Parish Priest." For their thirty-fifth successful week the Francis Sayles players will offer at the Murray Daniel Sully's greatest triumph, "The Parish Priest,' with Mr. Sayles in the part of the priest, which was played by Mr. Sully. Mr. Sayles was with Mr. Sully

kind to pass them on the strength of a memory , one entire season in this play, playing 1 .1.,. - I , .. t J j n 1 1. .1 .11

examination. fho nrieinal business that was used

The final exams encourage laziness on the part of a certain type of students. He knows he can cram the whole thing into his head in a few days at the end of the term, so loafs along meanwhile. This causes him to work for a grade rather than efficiency.

The final exam is unfair also in that it does I

not really examine a pupil in the most essential Try This Free Prescription thing: the right use of his tools. When subjects j jj0 y0ur eyes give you trouble? Do were taught by word of mouth it was fair to you already wear eyeglasses or spec- , ... ., . v. , , m1 tacles? Thousands of people wear ask the pupil to carry it all in his head. There tnese -windows" wh0 might easily diswas no other way it could be carried. But now ! Pense with them. You may be one of

that books, notes, references and other equip-1 eve8 beforp it la too late. The eve8 are

ment have come into use, scholarship has come neglected more than any other organ . , j. , , , , ... of the entire body. After you finish to be, for the most part, ability to use the right your day-s work you Bit down and rest tools. Men in business, or the professional, don't ! yur muscles, but how about your ... . , , - 1 eyes? Do you rest them? You know carry everything in their heads; they use ref-, you do not. You read or do something erence books and other means of research. There- ; else that keeps your eyes busy; you - . . , i work your eyes until you go to bed. fore, the really essential thing is that they know That l3 wny BO many have drained how to use the tools of study. eyes and finally other eye troubles ,. n that threaten partial or total blind-. The right kind of an examination, therefore, ness. Eyeglasses are merely crutches; would test a pupil in his use of the tools of thev never c"re- Thla free prescription ni,.- - . , , . . . .which has benefited the eyes of so study, and this is a thing the final examination, many may work equal wonders for you. as usuallv conducted, does not do, for the simple lse 11 a Bhort time- Would you like , , . , , , . . , your eye troubles to disappear as if by reason that it compels him to lock all his tools magic? Try this prescription: Go to in his desk. tlie nearest wide-awake drug store and . .. ., i ..,,.,-, get a bottle of Optoma tablets; fill a Examinations are responsible for the dislike two-ounce bottle with water, drop in many feel toward certain branches. How many one tablet an(1 allow, 'M0 thoroughly , , , . . , , , J dissolve. With the liquid bathe the there are who dread the very sight ot Shakes- eyes two to four times daily. Just note peare! Why? Simplv because they were made how Quickly your eyes clear up and . , . how soon the lnllanimatlon will disapsick of him during a week of cramming and have pear. Don't be afraid to use it; it is never recovered from the reaction. absolutely harmless Many who are ! now blind might have saved their orse than that, they are also responsible for eyes had they started to care for them cheating in school. It is manifestly unfair to J time. This is a simple treatment. J Tint mnrvplniia v fifretivn tn miiltltiinea

the pupi! needlessly to subject him to such an of cases. Now that you have been

Resinol stops skin troubles IP you have eczema, rash, pimples, or other distressing, unsightly skin eruption, try Resinol Ointment and Resinol Soap, and see how quickly the trouble disappears, even in severe and stubborn cases. They stop itching instantly. Resinol Ointment is bo nearly flesh-colored that it can be used on exposed surfaces without attracting undue attention. Physicians have prescribed Redno) for 18 years, for all sorts of skin troubles, dandruff, sore?, ulcers, burns, woundi and piles. Every drusrarist sells Resinol Ointment and Resinol Soap, but you can try them free, by writing to Dept. 35-S, Resinol, Baltimore, Md., for samples.

SPACE FOR STORAGE OR MANUFACTURING PURPOSES We are equipped to handle all kinds of storage. Space with olenty of light for manufacturing purposes. RICHMOND MFG. CO West Third and Chestnut St. Telephone 3210.

CLERK. CLAUDE KEEVER Candidate for Clerk of Wayne County subject to the Progressive primary election, February 9.

CHARLES POTTER Candidate for Clerk of Wayne County subject to the Progressive primary election, February 9. I C. HARRISON Candidate for Clerk of Wayne County subject to the Progressive primary election, February 9.

PARK R. GIPE Candidate for Clerk of .Wayne Circuit Court, subject to Progressive primary election, February 9. CLARENCE D. MOTE Candidate for Clerk of Wayne Circuit Court, subject to Progressive primary election February 9.

MUSICIANS' UNION DANCE At Coliseum Wednesday Evening, Jan. 21, 1914 Tickets, 50 cents. Extra Ladies, 25 cts. each.

A Pair of Gloves-Free With each order of one ton or more of Our Good Clean Coal Living Prices Fair Dealings RICHMOND COAL COMPANY Telephone 3165 Yards W. 2nd and PH. Ry.

Hanging On Another prominent New England pastor has joined the ranks of the quitters because he found the ministry a very trying proposition. The Rev. Mr. M. Ballard, for fourteen years in charge of the Elmwood Presbyterian church, insisted on leaving not only his pulpit, but the ministry. He asserts that the un-Godliness of church members makes true spiritual preaching almost impossible. The Rev. Mr. Ballard may, in his own particular case, be justified in his action, but it is to fee wished he had hung on in spite of all. Where would we be now if Martin Luther had not hung on and stayed with his job, though he found a whole nation in the dumps? What would have been the result if John Wesley had pouted in a corner after the established church had tied a can to his coat tail? Truly great men triumph over the impossible and conquer majorities. But we have fallen into an agre when men are unashamed of cowardice and letting. go seems to be the fashion. Harold

ordeal. Of course, tests of some kind should be used, but they should be so arranged that a teacher can determine the fitness of each particular pupil in any given line. It might be shown, we imagine, that the teachers themselves are responsible for the long continued use of the method. It is as easy for

them as it is hard for the pupil. And while very i LI

few of them, oftentimes, could pass the examinations themselves, they feel very learned sitting behind a table writh books at hand quizzing the pupils who sit in front of bookless desks. It would require much more effort on the part of the teacher to make a rational test, hence they have clung to the easier plan. But that is no slam on the teacher, because we are all as lazy as we dare be. It is simply a fact about human nature.

warned don't delay a day, but do what

you can to save your eyes and you ,will thank us as long as you live for' publishing this prescription. (Advertisement)

f ENNETT TS P Thursday, JAN.

The SEASON'S BIGGEST EVENT THE ORIGINAL Studcbakcr Theatre, Chicago, Production

POINTED PARAGRAPHS

NO GREAT LOSS ANYWAY. Springfield Republican. If world's fairs are to lead to international exhibition of bad temper, the sooner they are given up the better.

PROMINENT BANKERS' CHIEF WORRY. Pittsburg Gazette-Times. Bankers aren't worried half as much about the flexibility of the currency as they are about the inflexibility of the federal reserve board.

NO TIME TO SEE NELLIE HOME. Baltimore Sun. What's the use of a moon tis kind of weather?

MURRAY ALL THIS WEEK Matinse Tomorrow Daniel Sully's Greatest Triumph THE PARISH PRIEST Country Store Tonight Nights 10, 20, 30c. Matinee 10 and 20c.

j THE WINNING OF

Next Week, "Sherlock Holmes"

Loans At Legal Rate 2 Per Cent Per Month on Household Goods, Pianos, Livestock, Etc., from $10 to $250. Home Loan Co. 220 Colonial Bldg. Phone 1509, Richmond, Indiana.

A PLAY BY MARK SWAN From the Book that Thrilled the World Y HAROLD BELL WRIGHT

TOWNSHIP ASSESSOR. JAMES HOW ARTH Candidate for Township Assessor of Wayne Township subject to the Progressive primary election, February 9. J. C. DARNELL Candidate for Assessor of Wayne County, subject to the Progressive primary election, February 9th. R. B. NICHOLSON Candidate for Township Assessor o Clay Township, subject to Progressive primary election, February 9. 13 It

TREASURER. ALBERT N. CHAMNESS Candidate for Treasurer of Wayne county, subject to the Progressive primary election, February 9.

SHERIFF.

JACOB BAYER Candidate for Sheriff of Wayne county, nfbject to the Progressive primary election, February 9.

THE ONE PARTICULAR BOOK PLAY THAT MORE THAN PLEASES THE READER OF THE STORY

Prices 25c, 50c, 75c, 1.00, $1.50 Seat Sale Tuesday Mail Orders Now

FEES

an mm

Skating Tuesday and Thurday Evenings. Saturdays : Morning, Afternoon and Evening.

TOWNSHIP TRUSTEE. J. O. EDGERTON Candidate for Tomnsbip Trustee of Wayne Township, subject to Progressive primary election February 9. JOHN DEITZ Candida for Trustee of Wayne Township, subject to the Progressive rrimary election, FTn-u-ary 9. CHARLES H. BOND Candidate for Township Trustee of Clay Township, subject to ProgTeesive primary elec

tion. February 9. 19-H

REPRESENTATIVE. J. W. JTJDKTNS Candidate for Rep

resentative of Wayne County, subject to the Progressive primary election.

February 9. CECIL L. CIARK Candidate for Representative from Wayne County, subject to Progressive primary election, February I.

JUDGE OF WAYNE CIRCUIT COURT WILLIAM A. BOND Candidate for Judge of Wayne Circuit Court, subject to Progressive primary election. February 9.

PROSECUTOR. WILL W. RELLER Candidate for Prosecuting Attorney 17th Judicial Circuit, subject to the Progressive Primary Election February 9.

COUNTY COMMISSIONER ALBERT ANDERSON", candidate for County Commissioner of Eastern Uistrict. subject to the Progressive Primary election. February 9.

CORONER. DR. R. D. MORROW Candidate for Coroner of Wayne County, subject to the Progressive party primary, February 9.