TRINIDAD : THEN AND NOW. 



288 



clime as you may know ; nothing will give us greater 

 pleasure than to welcome you and them amongst us, 

 hoping that you and they will then as generously 

 patronise this deserving institution as you did when 

 you previously visited us, and that you will carry 

 away with you many souvenirs and pleasant recollec- 

 tions of what you have seen and enjoyed in Trinidad 

 Then and Now, for as Dry den sings : — 



"Kindness by secret sympathy is tied, 

 For noble souls in nature are allied." 



There is another association in Trinidad which, 

 although not run on strictly philanthropic lines, as 

 compared with those named, has, nevertheless, done a 

 considerable amount of good, I allude to the 



Trinidad Building and Loan Association. 



This Association was started in 1891 with the 

 double object of enabling small capitalists to invest 

 their savings in a sound undertaking, with the ob- 

 ject not only of giving them a reasonable amount of 

 interest on their small investments but also enabling 

 themselves, friends, and others to acquire their own 

 residences on easy terms. It is therefore in this res- 

 pect alone that it can be considered as philanthropic, 

 for it can hardly be said that any undertaking in 

 which 8% interest is made is purely philanthropic. 

 The following rule speaks for itself. 



3. " The objects of the Association are to accu- 

 mulate a fund for the purchase and improvement of 

 Keal Estate or of leasehold properties, of which the 

 unexpired term shall not be less than twenty-five 

 years ; to make advances to its members on the secu- 



