To raise $100,000 among white men, or even $100,000,000, is a comparatively easy task, for they are accustomed to corporate investments. But Mr. Perry was to raise $100,000 among a people whose investments had taken the form of horses and houses, and who did not understand the value of commercial paper, especially when purchased for $150 with a par value of $100. In other words, he had to sell 1,000 shares of stock, one, two or three shares at a time, and he must do this among a people who had never before raised $100,000 for a business venture. For two years, at his own expense, Perry traveled throughout the South. Then, with a scant thirty days left, he found himself with but two thirds of the money in hand. He hastened to New York hoping to obtain a loan from some bankers. They put him off until the last day slipped by. Then began Perry's heart-breaking task of returning the money he had collected. He returned every dollar with four per cent interest--money that he had spent all his own cash in collecting. This was enough to crush any ordinary man. But after three months Perry met a selected assembly of negro business men in Atlanta, ready to begin all over again. He retraced his first long journey, constantly hearing, "You failed once, you'll fail again." But he continued his fight, and on June 14th, 1913, after $105,000 had been paid for Georgia state bonds, the first and only old line legal reserve life insurance company in the world managed and operated by negroes formally began business. It now operates in nine states, and has over $2,000,000 insurance on the lives of negroes, because Heman E. Perry would not acknowledge defeat, and had the power to "come back" and conquer. GEORGE F. PORTER ANNA MURRAY-DOUGLASS--MY MOTHER AS I RECALL HER[1] Looking backward over a space of fifty years or more, I have in remembrance two travelers whose lives were real in their activity; two lives that have indelibly impressed themselves upon my memory; two lives whose energy and best ability was exerted to make my life what it should be, and who gave me a home where wisdom and industry went hand in hand; where instruction was given that a cultivated brain and an industrious hand were the twin conditions that lead to a well balanced and useful life. These two lives were embodied in the personalities of Frederick Douglass and Anna Murray his wife. They met at the base of a mountain of wrong and oppression, victims of the slave power as it existed over sixty years ago, one smarting under the manifold hardships as a slave, the other in many ways suffering from the effects of such a system.