Indianapolis News, Indianapolis, Marion County, 11 December 1891 — Page 5

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THE XHBIAHAPOLIS HEWS, FRIDAY, DECEMBER U. 189L

ITODD ON ASSOCIATION8. j PRESIDENT’S MESSAGE.

j the miserable home that ha* befen theirs.

CENT 17 BY CLUB PAPER ON building Associations.

Beal Rotate Dealere Preparlnc to Plat More New Addition*—Demand for Suburban Lota—Farm Lands Selling Readily—A Biff Deal.

The Century Clnb at it* meetinc Toetday •▼eniQfc diaeaaaed the nbject of baiidioE neeoeiationa. The paper ef the ereeioi; WM by Mr. Newton Todd, and was an able preeeeUUoD of a vast aaaonotef information about aeaoeiationa. Mr. Todd hae been eooneeted with aaaeeiationa for many yean. Amoog other thing* Mr. Todd aaid: “Baiiding aeeoeiationa should be absolutely noa-epec a lati re. Therefore, I take ft that the •©-Ailed national associations are contrary to the fundamental principles of the asceciat oa idea. “Formed ia rety for the penonal benefit ef the ofl e r , proui sin K ' large returns to ttoekholderc who may oontiauo until a certain aeries awtttres, and if they withdraw pterion* to that time aufferin* a largo loee. gives them a lottery feature that is demoralising to the ignorant people upon whom this elase mostly works. “If there bone thing on this earth which ■bottld boearofnily cultivated and jealously guarded, it is the savings of the poor. Nothing so tend* to maks a contented and bappv pe<’fde, and, at the earn* time, insures a stable government, especially in a re pun lie, asa thrutyaiid well-to-do populace. Unfortunateiy the occupations pursued by tbs wagsworking elas*** preclude tb* acquirement of mush liuatidal Wisdom. This lack of knowlsdg* ia taken advantagsof by numeroue schemers, and the result is the loss each year ef a vast sum of mouey hr tb* very olaes who eati least afford to stand it. But this is not the worst of it. It is the discouraging effect of the result of the loss of saviof* which ia most to be deplored, it is deftiorsiixiftg in the extreme. “No building association can be a permanent success without good, sound business manag era cut. Under unprincipled and careless guldanue it may be made to seem to flourf-h by sacrificing future profits for the sake of a prssant good showing. But if the true principle# of^butiocss are sacrificed, sooner or later the institution must eotne to

grief.

“A building association has no contract with ite members to pay a certain dividend, or to pay out a series ia a certain length of time. It is strictly a cooperative institution, aud while it is desirable that an association shall pay a profit on its deposits, in peeking to seeure a profit, the first principle, that of saving—safety—must not be lost sight ef. No risks ot any kind should be taken. Th# business must be conducted upon the idea of securing absolute safety. “As to ihe practical workings of a*»nciations, there are many diilersnt plans all wood and ail securing th* sains end. it Las been urged that the associations ar* a good investment under the high rates of interest ia vogue in th# west, hut a poor place to borrow money from. Tbs larger Humber of borrowers take small sums to secure homes, which they immediately occupy, thereby saving tbs rent which they are accustomed to pay. This enables them to pay a much higher rate of interest than they would otherwise be justified in payment. As a matter of practioe, if all borrowers pay th* same rat* of interest and premium, the inierent aud premium is equally to all a payment npon the pria-

•ipei.

“A recent innovation in associations is th* nickel saving stamp system, which is a direct importation from Frankfort-on-the-

Main.

"Under Its workings, stamps of 5 cents in Talue are placed on sale in various parts of O eity, among grocers and other retail merchants, who act as agents for the assoeiations. When a member of an association accumulator five stamps, he takes them to the association or has the agent from whom li* has purchased them do so, and receives proper credit on his book. I think this svstom and that of the Dims Saviags Association of Plymouth Church in our city, will do and is doing a great work,in that it reaches th* very poorest classes and inculcates into them habit# of thrift which they most need. "To one wito ia familiar with tho daily working* of an association the reason of th* poverty ef the poor is vary apparent, and, laying aside the matter of drinking and phyiioal misfortune, it is largely a

matter of iguoranos.

"In the making of loans many of our borrowers have a most indefinite idea of a mortgage, deed, or any sort of legal necessity in the acquirement of property. Heredity is very manifest among association members, the Germans aud gwedes making the best members, tbsir habits of thrift and oeoaomy coming into play, being almost sure to stay with the association until their object of accumulation is accom-

plished.

"Tho negro maks# tbs poorest depositor, seeming to have no persistence or financial Idea, and being unabl* to withstand the tomptatiou of withdrawing and spending

hi* fittls savings,

"I ueu't think there is any one thing that has given those people more of an educe

i in th* right airtoiK

Nor is it possible, even under the most favorable circumstances, to count flats or apartments as anything more than the travesty of comfort in ite best sense, linskin ia ne'ht when be denies to cities any possibiiity of the best development of human life; and, though they have their uses, and we would ill dispense with maeT good thing* to which they havo given birth, they arc responsible for such hideous evil* that one longs for a moment to see them, their pride and magnificence, and the bitter err of outcast life in their midst, ingulfed 'like the lost cities of old. The home spirit is strong in many a etty flat, and consecrates many a stately mansion as well as the poorest tenement; bat the true home must be in the eoantry—quit* accessible it may be from

WHAT THB PRESS HAS TO SAT OF TELE COMMUNICATION.

its own peesf bill ties in the Wty of garden or orchard, even if that orchard sum up as only one old appi* tree, has not the fail light to the title comfortable. "In entering a building association. 1 say to you all, follow the plan of sticking to home institution*. It is well for every one, where it is possible, to take some interest in their management. It bring* us in contact with a class of peonle whom we should know and bcip, and in helping them ws are helping ourselves. We are bettering the condition ot mankind.'’ A Aarge Oeai. Hon. W. E. McCord, of Martinsville, has sold his fine farm near Centerton, with other lands in Morgan county, to Cspt. J. M. McKaban, of this city, and takes in exchange the Captain’s Cloverland stock farm of nine bandred acres in Jasper and White eountios. The consideration is understood to b* in tb* neighboorhood of $40,000. The deal wan made’ through the office ot Thomas C. Day A Co., of this city. This fihow* the *tu«ines*. Tbs following table shows the published real-estate transfers in Indianapolis since January 1, 1890: Transfers for mo—Sales, 4,466; consideration 414,160,076 Transfers for January, 1*01—Sales, 8*4; consideration 1,020,604 Transfers ior February, 1*01—Sales, 464; consideration 035,151 Transiers for March, 1*01—Galea. 440; consideration 744,158 Transfers lor April, 1*91—Sales, i&i; consideration 752,963 Transfers for May. 1*81—Sales, 502; consideration 861,287 Transiers for June, 1891—Sales, 427; consideration 753,981 Transfers tor July, 1891-Sales, 490; consideration 943,539 Transfers tor August, 1801—Sales, 434; consideration 627,044 Transfers for September, 1891 —Sales, 626; consideration 011,916 Transfers for October, 1891—Sale#, 535: consideration 053,154 Transiers tor November, 1891—Sale#, 802; consideration 618,254

Total for the eleven months of 1891Bales, 5,876; consideration $ 9,022,141 For the week ending: December 5—Sales, 103; consideration $112,856 Dultdlng Association Notes. Thera have been comparatively fsw withdrawals the last/ear. The lloosier ia disposing of a good deal of stock in its new senes. A good mauy associations are preparing to declare dividenus the first of January. The agitation in favor of paying secretarial! better salaries is being kepi up. It is claimed that such action would be one of the best preventives possible against dishonesty. Many secretaries ar# at work on their annual reports. It is believed that the reports this year will show more loaned and more bouses built than any previous year.

money during

heal, estate market

lion in the right direction than tho association*. It scorns a little strange that much ot o scMation should be mad* out of trouble** .loss in a building association. While Indianapolis has been remarkably free from any trouble, there have bsen several instances In other cities, and It is bon ad to *om* sooner or lator hero, but 1 hope that it will uot ia any way affect our associa-

tions permanently,

“Th* various legislatures ar* throw-ing safeguards around ihe management of the associations, and I believe that with a few points prelected and a good eommon-oense management, nothing ca i stop the present multiplication of associations and their iq,-

ereased power of doing good.

"Careful appraisements of the property, »p«n which loans ar* to bo made, proper Auditing of the books, the publishing of statements and a low expense ratio are about the total ef the necessary require-

ments ef a successful association.

"The growth of associations has been won dorfui. In 1560 there wor* but tiro hundred in th* country, in 1670 two thousand, la 1551 6,600, with over two hundred thousand members in th* United States. Th* conditions of ouroountrv are ao very favorable, tb« oasv transfer of laud, rapid transit and other things combined ar# so groat an aid to th* bomt-gouing, that no on* could mako nn estimate of th* progress of associations in tb* next ten years. It safe to say that in tho year 1901 almost a tenth of our population will bo building association members. Th* idea is growing and enter-

ing into now fields.

“Tb* lessons building asaeoiationa teach nr* rapidly being extended. It will make M user* than ever n nation ef home-owners; mor* than ever the richest nation on the lac# of the earth. During our last Legislator* n bill was introduced giving each oharo-holder an equal veie* in the control •f tho management ef a corporation. Thia ia true tq building association*, at least ia priuoipla, and as there is littls chance for ether than disinterested management for tb* common good, yon bear verr little complaint among the shareholdeve of the management. Sapthis plan was applied to rati-

there

•ntof smalUtoekholders for the benefit of ; * w^Vk oa tb* Commercial Club building A few. Bafiroada and other corporations i* to be pushed during the fair weathers

roads to a certain extent, at Wast, tber would bo Util* chanco for th* squoezini out of small otockholders for tho benefit o a few. Railroads aad other ror no ration would ofior equal opportunities lor smell investors. If benontly managed for tb* common good ef an sharenoldera. The principle can be extended without u limit. At least to all loans of business where there is little hnaard, nod where oombined aocum "!5m^3£fao*oolntioq la getting to bo AS old otovy, but it is a very aetrie factor, and every day aem* new field forth# opoiotion of the idon embodied is discovered. th# ideal hens* Bv the means ot rapid transit and the buDdiag awo*iati<m ovwry laboring man and mechanic will own bis own home, not iu tb* it* Undercurrent of crowded, festering, lifeholding, auoonaoioua contamination, hut In ■ ~ J ■ ' ■' WdAi - i;: *

Arranging to Flat Much Farm Land Next bpring. Notwithstanding the strong sentiment against platting so much farm land around the oity, some of the real-eatate firm* are arranging to put on the market a good mauy new subdivisions next spring. The fact that considerable money was made out of the new addition business this year maken •gents loath to forsake that branch of the market, even temporarily. They believe there ia an uusupplied demand for suburban lots, created by the advent of rapid traoeit, and feel confident that so long ns lots ’ sail readily there is no danger of glutting the market. The theory upon which they guide their busmen coarse is that many thousand wageworkers in Indianapolis are buying homes throifjfh building associations, aud that the majority of these home-seekers want to get to the suburbs where they can buy more with the money they have to invest. “If so mauy of these hoine-aetkers are going to the euburbs, what is to become of the rental property in which they formerly lived?" aeked a News reporter of one agent. "That brings up another subject,” said he, “and one on which many persons are posted. My observation is that about 76 per cent, of the persons who obtain homes of their own go to the suburbs, or away from the thickly-settled portion of th# city. I have figured out that for every family that goes into a home of its own a new family comes to Indianapolis and occupies the house which the home-owner vacated. This continual change represents the growth of the oity, so there is no danger of there ever being a slack demand lor houses that are for rent it is true, I believe, that at least 75 per cent of the new population ot a city is non-home-owning in character. The per oent may be greater than that. People who own homes, or are what we eall comfortably fixed in other places, do not often move to the city. Along this line it tuuy be said that this talk about us reaching the period when practically every family in Indianapolis will, by the help of the building associations, own its home, is foolish. Buch a eondition might be possible if immigration were stopped, but eo long as several thousand persons move to Indianapolis from other places every year we will always have rentere, and along with them the building associations and the demand, following, for suburban lots.” There will be a good deal of opposition to th* platting of many new tracts of land next spring. With but few exceptions the older real-estate agents are opposed to putting ao much unimproved land ou the market, and in favor of exerting more energy ia directing outside capital to downtown property and the great demand for better business blocks. Real.Estate ana Building Notes. The demand for farm land is brisker in central Indiana than it has been for years, and the prices paid ar* mush above' what they havo been of reoent years. A great many farms have ^banged hands in this county this year, and th* same is true ef surrounding counties. In the neighborhood of Plainfield, Hendricks county, twelve mile* west of the city, quite a number of good farms have recently been sold. Men with money are beginning to realize that farm land at present prices is first-class

property.

The loss in Morton Park hare been placed on sal*. A good many are being Uken. C. W. Allen, el West Indianapolis, has sold several lots in that suburb th* lost

the winter. It is expected superstructure well under wi

to have the ay by spring.

The Only Trouble. FAtcbison Globe. I There ar* leu ef men in the world at the foot of Use procession wko believe they are at the bead, though they admit that the procession it going th* wrong way. TP# H•art’s Turbulence. The wild set His that darken life Ar* rapture to the bosom’s strifb; The tempest ta It# blackest form Is beauty to tb* bosom’s storm; The ocean, lashed to fury toad, Th# high wave# mingling with the clouds la peaceful, tweet oncaity. To anger's dark aad stormy sea. —{dams* W. East burn.

The Republican Press Pronounces It sn Able Document — Various Opinions From Leading Journals.

Aa Elaborate Document. iPhUad«Jpbla Telegraph The third annual message of President Harrison is a very elaborate document. It touches on a large number of questions of current interest, reviewing the more importtan; ones in a highly inteliigentand earnest manner. Long as it is, the document is tally worthy of general public perusal, and iu principal features of the special study of tiiose entrusted with the responsibilities of legislation, as well as all who take a deep interest in the public welfare ami th* leading events of the times. Only brief reference is made to what has thus far been accomplished in the way of establishing enlarged trade, through the reciprocity provisions of the new tanfi law, it being intimated that this is a matter largeiv of future development. It is evident that Mr. Harrison is not particularly anxious to blow too hard on the reciprocity horn at this time. He prefers to leave that to somebody else, contenting himself with calling attention to the practical outcome and mildly suggesting good things for the future. Under all the circumstances, perhaps this new idea of free trade by piecemeal—for that is really what it araoants . to— has received unite as much recognition from the executive as might have been expected. Not Lucia on the Tariff. 'Sew Vork Poet (lod.)i Coming to domestic allairs, the President naturally finds the McKinley tariff an advantage to the country, giving to labor a larger market and to farm products advanced prices—an opinion not shared by the House of Representatives that was elected after the bill passed, and to which the message is sent. “I think there are conclusive evidences,” says the President, “that the new tariff has created several great industries which will, witfiin a few years, give employment to several hundred thousand American workingmen and women.” None of these evidences are presented, but they will be welcome, when supplied in detail, to the large number of working people whose wages have been reduced since the new tariff went into operation. The condition of the national finances (receipts and expenditures) is cut down to two sentences, which are not intelligible without further information. Best Defense of n Bad Case. [Louisville Conrier-Journal In a republic such as ours every citizen should keep himself informed concerning the progress of public affairs. For this reason we commend the message to thoughtful men everywhere. It is the best that an intelligent lawyer can say in behalf of a very bad case. The truth of the matter is the Government, during the administration of President Harrison, has been controlled by a desire for private gain at the expense of the ceneral tax-payer. In every department there are mauiiestations of this spirit of greed, the President himself referring witn approval to subsidies for steamships, extravagant pensions, to bounties for sugar, to subsidized canals, and other extravagances and corruptions so prevalent and so powerful. The fact that so high an officer is so indifferent to the evil tendencies of the times, demands of the people renewed devotion to public affairs. Blow* ilot and Cold. I Chicago Times (Deml.l The operations of the McKinley tariff law are presented as the reason for a year of unusual prosperity, whereas in another portion of the message the fact is shown that the grain crop of the Republic is 50 per cent, better than in any previous year, its value being $600,000,000/more than last year. The increased value is due in large measure to the distress in U l > ro P#, where, in the marvelous dispensation of Providence, the yield has been short, whereas the yield in a larger cultivated area in America, under like wonderful process, has been phenomenal. What relations McKinley sustains to the inscrutable processes of nature the President does not pause to elucidate. * * » Regarding the currency the President blows hot and blows cold. Well Written, though Not Htrlklng. IKaiiHas Citv (star tlnd.)l It relates mostly to routine affairs; as agitiiiBt this it is well written, though not striking in any of its utterances, and offers the compeusatufti that any one who reads it all will save himself the trouble of reading tiie department reports, of which it is largely u reflex. * * There is a somewhat labored and in places demagogical attempt to justify the McKinley tariff, and the ex-cathedra statement is scarcely warranted that “it can not he denied that all the conditions of prosperity and general contentment arc present iu a larger degree than ever before iu our history.” Certainly no connection is established between this alleged condition aud the effects of the MoKiniey hill. Admirably Conforms to the Purpose. 1 Chicago Inter-Ocean (Uep.)J President Harrison’s annual message conforms admirably to the general purpose of such a document. It is • resume of the year, from the standpoint of the United States Government in *11 its departments and leading bureaus, beginmug with foreign affairs. * * * The President is a strong bimetallist,and alike opposed tb demonetization of either metal. He has nothing specially new to ofler on the subject. That subject and the t&nff have been discussed ■o fully, especially in Ohio last fall, that they hardly admit of anything really new. Most Satisfactory In Recent Tears. 'Chicago Nows tlnd').] As a straightforward business document, couched in dignified and terse language. President Harrison’s message is onc~of the most satisfactory and comprehensive of re* cent years. * * * It is evident that President Harrison’s annual message this rear was written more for the people of th* United States than witfi the expectation of shaping the legislation of the ensuing session. It is a fair presentment of the administration’s policy on all important issues. Mediocre and Perfunctory. fChicago Glob# (Den.) ] “Message to Congress” is only a partial success, and it is doubtful whether it will ever attain a very wide circulation. It lacks vigor, spirit, energy. It is luke warm, except when advocating aid to a private snap, or in commending some Government officials’ work and the McKinley lav. It will not be even * nine-day sensation. It ia n most mediocr* and most perfunctory work from a very popular publishing house. Discussed W i h Great Fairness. 8k Louis Globe-Democrat (B*p.) 1 It will be conceded, indeed, that tb* President in this deliverance discusses all controverted question* with serapuloas fairness, and gives cogent reason*, for his views. The entire message deserves careful reading. It is a dear, able and conservative state paper, and is fully worthy of the important concerns which it discusses and of th* exalted office from which it emanate*. Wea* As to tb* Tariff Chicago Herald (D*sa.) | This portion of the message, rektiu* to tarifl aud finance, is singularly w«Mt. The President talks glibly about continuing steamship subsidies and recommends numerous measures iuTolTiag increased exp«nuit*r**, and never (or a moment seems to suspect that the raven no# will be insufficient to meet the expenditures, orsn on tho prosont scale. A splendid Message. [Washington Star (Ind.)l The President’* message, concerning the •tot* of the Union, giving incidentally on account of his administration’* stoword-

sfaip, is on* of th* brat sped a* ns of what such n document should he that has erer issued from the White House. It is long, perhaps too long for the model message, but it is packed so fall of meaty, interesting matter, edited with nice discrimination, that it is bard to suggest when the eat would properly be made.

“Uerrymuder” (be noiaiwc Feature. [Ciaetnaati Comaeretot-Oasett* (B*p.>i The otrining feature of tb* third annual message of President Harrison, which w* print in full this morning, b the comment he makes npon the crus ot the gerrymander. • * * Never before, we briieve, has this subject been colled to the attention of Congress by a President of th* United States. The note of warning sounded by President Harrison is timely, and shonid be heeded. In this, as npon all other sabjects which the message treats, its ton* ia characteristic, dignified and clear, and tho paper takes high rank among the state documents of the age. Learned Nothing From the Elections. St. Louis Dispatch (Dem.Jl The message is ehiefly notable for th* evidence it contained that th* President hoe not been able to grasp tho significance of tho two last elections, t A Clear Expression. ’Louisville Commercial (Bee.) i The President leaves ro doubt about hia opinion oo any subject that he discus***. PENSIONS FOR VETERANS. Residents of Indiana Whoa* Claims Ham Boon Allowod.

Original—Squire Osborn, Win. H. Cram, Hamilton McCormick, Jos. Kirk, Stephen Metcalf, David W. Lee, Henry Klausmano, Jacob H. Lozanby, Wm. H, Kinnamao, John 8, Israil. Additional—Ozias Barker, Harry Gainnup, Wm. McSpronl, David Heffner. Increase—Roberts. Moore, John C. Kan, John Maiden, Benjamin F. Hagg, John 0. Kelso, Orlando A. Hays, Levi W. Emahiser, Milton D. Holmes, James Henderson,Erhard Lachener, Francis A. Norwood, Wesley A. Malcom, Henry P. Davis, Drary Holt, John Schwallier, Francis M. Wood, William Cochran, James K. Hinkle, Smith Hobert, Calvin Stogdill, Peter Miebels, Platt Hongland, Albert J. Thompson, Daniel B. Hughes, Benjamin F. Frogden, David Needham. Reissue—Henry 8. Kreisher, David Gaff. Original Widows—Elizabeth Giberson, Ann Mary Eppert. Original—Wiiliam T. Davis, Martin Driscoll, Benjamin F. Day, John Rees, Samuel Hackethorn, Nicholas Dshm. Additional—Thomas C. Vaughan, Thomas P. Wooderson, Julius C. Hatter, Henry Glese, Hiram Weer. Increase—John C. Bailey, Henry Suddoth, Lewslyn B. Ridens, G. W. M. Yondergrift, Samuel N. Stanter, John D. Collins, Charles E. Durland, James A. Owen, John Rice, Silas F. Rigby, Riley Liston, Julius C. Sharp, William Wilson, Barney C. Barn uni, Miliiatu M. Fitzpatrick. John Wright, George W. Welch, llenry Rolnh, Gilbert A. Sheda, Rice S. McCormack. Reissue—Solomon Reiuebold, George B. Leavitt, Thomas Thatcher, Josiah Lamb, Emory G. Melendy, Alfred L. Stoney. Original Widows, Etc.—Minors of Hesekiah Maburon, Martha A. Marshall, George Davidson (father), Harriet Ritchey (mother), Delilah Trout, Nancy Sterrett, Mary E. King, Susannah Styer, Henry Stark (father), David Mishler (father), David Kirby (father), Louisa St. John, Nancy J. Moffit, Ida Martin. QUESTIONS AND ANSWERS. Bessie Wilton—Aux Italian#, means literally, “to the Italians,’’ and non ti scordar do me, “do not forget me.’’ D. D.—The questions you ask relate to business arrangements and Will be answered if you call at The News office. Arcanum, O—I want to know if there Is any majority since 1871, larger than McKinley’s. 1 mean “majority.” A.—We supposed this querist meant “plurality” (amount over next highest) and so gave McKinley'spluraUty over Campbell. But be insists that he means majority. (Amount over all.) Well, McKinley has no majority. He ia a minority governor by 22,151 votes, the combined votes lor the other gubernatorial candidates. Campbell (Dem.), Ashenhnr-t (Pro.), Seitz (People's party), exceeding his vote bv that number. The totals are: Campbell, 365,228; Aghenhurst, 20,190; Seitz, 23,472, which make a combined total ot’ 408,890. McKinley’s total vote was 886.739, leaving him short of a majority of the votes cast at the election by 22,151. The largest majority for governor of Ohio since 1871 was that of Noyes (Rep.), in 1871. It was 16,064.

Cleveland’s Baking Powder Does not contain ammonia; Costs no more than ammonia pow r ders; It goes farther; It is pure and wholesome. You should use It.

1*0 OTBCER LbAVBSADzxjCATS AND LASTXKO ©DOB For sole by all Drug and Fancy Goods Dealers or tf •noble |o procure ibis wwn4*r«Bl eewp set' Me in stamp* end roeoiv* a cek* by retoni mall. JAS. 8. KIRK * CO., Chicago. ^SUftSMSSgKasfS fere* wrappers of Shannon Bella Boep.

• 3

The nobbiest hot out this season. DANBURY HAT OO. 23 West Washington Street

11NT 5 ©

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RINK’S

Ml Ml Ml Right and left the prices on Cloaks, Jackets, Capes, Beaver Sets, Otter Sets Martin Sets, Krimmer Sets, Astrakhan Sets, Muffs, etc. Prices from now in our store will be no object; money, money, money is what we must have. Come and see the greatest cut price sale you ever s§w on Cloaks.

RINK’S M1321. ILLINOIS SL

Gpp. Y. M. C. A. Building.

Up To Snuff, No Middle Man. Branham, of Bates House Perfect Fit Shoe Store, after having catered as a Middle Man during the past forty years, has bowed himself out of the wholesale shoe business and now comes to you an Independent Retailer at Wholesale prices. In order to accomplish perfectly what he undertakes, he will, for the present, confine himself to the sale of Men’s, Boys’ and Youths’ Shoes of all grades, sizes, styles and widths. Farmers, Working Men, Mediants and Men of Leisure are invited to give him a call before purchasing elsewhere. Will you do it? Open and ready for business.

FOR CHRISTMAS. PIANOS, ORGANS, STOOLS, COVERS. . HIGH GRADE, STANDARD QUALITY, PRICES LOW, TERMS TO SUIT.

D. B. MMS i i, 95, 97, 19 North Ptnnsjlvonia St. Manufacturer* ot and Wholesale and BetaU Dealers in Places aad Organs.

gmiabIP WATCHES,'' DIAMONDfi, JEW- SX?/ ELRY, CLOCKS, Ay/ 1847 CANES, 8TER-/OX ROGER yyy BROS.’ Knives, ’ / Forks and Spoons ■<> hnitdtion. Call /rSv/ hnv* laid aside. / 28 East Washington 8L exactly Opp. New York Store. StwioeeeaeeasBqsosasasu eai

COKE. For sale at Gas Works: Luiftp 9c per bushel, Crushed icx^per bushel Tickets at Gas office, 49 South Pennsylvania Street. '.■"■"g " ■ ,

WHOLE FAMILY. Onfy $c a day. Tow demands answered nay momen day or nighL Six room house Beth, Water Closet, €t»ri**W forty feet front and Do ■teotie service only fie a day. INDIANA POLIfl WATER CO., 78 drain.

WORLD’S FAIR. The Largest House Furnishing Establishment in the West.

V*** '.m* «i3Ui

SANTA CLAUS’S HEADQUARTERS, Comer Washington and Tennessee Streets, Opposite State House. To the Public in General, but to the Little Ones tn Particular:

I arrived Saturday noon, and on findin to be the PEOPLE’S POPULAR

the WORLD’S

FAIR to be the PEOPLE’S POPULAR STORE, decided to make my headquarters there, where I shall be pleased to receive all visitors up to Xmas Day from 4 to 6 o’clock of each day. Your old friend, SANTA CLAUS. PRESENTS BY THE THOUSAND

*

To suit all ages and at all prices. Beautiful Chairs, fancy Rockers, Pictures, Easels, Bookcases, Writing Desks, Parlor Suites, Carpets, Draperies, Queensware. A FEAST FOR THE YOUNGSTERS. Toy and Notion Department—It is filled with Mechanical Toys, Bicycles, Velocipedes, Tricycles, Wheelbarrows, Hobby-Horses, Child’s Furniture, Toy Parlor Sets, Target Guns and Pistols, Bedropm Sets, Dining-room Sets, complete Kitchen Sets, Toy Chairs, Rockers, Extension Tables, Toy Sets of Dishes from 10c to $1.50 per set. WASH SET—Table, Wringer, Tub, Washboard and Clotheshorse —^Irom ioc to 50c. Child’s Desk, with double slate top, $1. DOLLS! DOLLS! by the thousand! Cheapest ever oflered. Dolls that walk, that crawl. Dolls tyith bisquo heads, with indestructible heads. Dolls of every description at your own price. The largest line of High Chairs and Misses’ and Child’s Rockers ever shown.

Everything For Housekeeping. Telephone 1296. Opposite State B[onse. A Free Show for the Childten Each Afternoon from 4 to 6 J clock.

jiosiD/^r (jiqjs. Nothing is more appropriate and few things more appreciated as a Christmas Gift than a handsome Carpet, a beautilul Rug, an elegant pair of Portieres, a first-class Carpet Sweeper, a pretty pair of Lace Curtains, a nice Mantel Lambrequin, any of which will be most acceptable, and the best place to get the best assortment at the lowest prices is at MIL’S The Leading and Largest Carpet, Drapery and Wall Paper House in the State.

Beats Turkey. “Turkey, ma’am. Is that turkey yer given me? Take it * away. I ain’t eat nothing but turkey this week,” said the tramp to the housewife during the week alter Thanksgiving. 1 1 ‘Plain bread and butter will do for me, though for a long tramp I prefer KING AN’S Ham and Bacon. More strength and staying quality in KINGAN’S Pork Products than anything I have met in many years of foot tours over the country.” Other meats osar be offered -just as good" as KINOAICS. Do not beltov* ti Ask font butcher or grooor tot KINGAN’S, and insist on having it.

JIN Bo/W Quard.

“Look out there! You’ll be shot! I’m a soger now,” says the happy boy in our newest and best Christmas panel, * • The title a decided appropriate one, “THE HOME GUA.RO ,f Tells half the story, Christmas has come and brought with it joy to probably every one, but certainly, judging by the happy face, to tho youthful three-year-old son and heir. Santa Claus has brought him toy gun, bugle, sword, drum, cap and uniform, and dressed fa all hie toys he seems to be the happiest little “Home Guard’ 1 fa all the land Every home blessed with little tots, is the scene, every Christmas morning of just such a picture es our artist has painted and entitled “THE HOME GIJA.RD.Of an otor popular panels w# prodiet for this th* greatest raeoera and knew theft (% every house throughout th* land its coming will bo weleomod. The Horae Oaard is «•> tirelv original Printed espeoialU for ms nnd ena be'procured only at oar Stores. Given array week beginning Dee. 14; Don’t fail to yroenre "Tie Herat G«a«d* THE GREAT ATLANTIC * PACIFIC TEA OO-, 30 West Washington St. 164 Best Washington St

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First fa work, First in speed, First in the heart of die typewriter. TBE m-PtlER.

The Princess ot Wales declares that the “very thing” jbt aa evenmg’s entertainment, end the prince of Christmas gifts is an

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