Newspaper Page Text
A liANK FOR i;ACIL ilOLLSK
KLW FLAN FOR
A IV 'ijt'itrtlr Itrrelvliiir Trite I " 1! ou
A i iiiiit" Mn Inl t' II . ('4 .10 1'"
iiM f.lil bf 'JOlll w lf.(iil(H
III it M on I li.
It !s ,i j.i.r.trr cf reeo.d Unit In no
nnwiry hi tin' world are tlii public's
i-a-h .iving ami mailable capital m
!):; iiily utilized fur tin service of
l In i;. .i.i y market as In America. It
needed the currency-hoarding panic of
IS',):: tu mjow the Ainerli an public Avhat
a revolutionary change would ho
It: oi!-: ht upon our financial system by
a return of tln plan of keeping cash
Favir.xs iv old stockings r.nd la ch'i.i
ucy piece n practice still prevalent
In many quarters of the European Con
tinent. The almost universal use of
checks btglns the saving iu the cinu
latitig medium, and a highly developed
clearing-house system saves, l:i the pro
pjition of 100 to 4, the necessity for
cash transfer In settlement of bauk
Where the check is little used or not
at till, the savings bauk steps in, and by
its c!ter of thre? and one-half to four
per cent, for use of a wage-earner's
surplus" petty cash, diverts the circu
lating medium, to the extent of !?2,."ji,'0,
(.mm ',000, from the pockets of the citi
zen to the great money markets. There
still remained, however, a sum enor
i i 'jus in the aggregate, though divided
into insignificant portions, which failed
to n at h even the dime-savings instl
t tubus, because Ha owners were un
willing or too careless to undertake
frequent trips to the bauk to deposit
it. If they kept It by them, it was
likely to be spent. The securing of this
fund for productive uses has long been
an object of study with bank managers,
aud the interesting problem is now iu
a fair way to being solved.
"Family banks," so-called, have late
ly been introduced by several of the
large city savings banks. The theory
is that by sufficiently ingenious ar
rangements, petty savings which would
otherwise escape the money market
may be obtained by visits of agents
of the bank at 1 ho house of the de
positor. It was estimated for the Even-
Ing Post, this week, that from 5000 to
0000 new depositors had been added iu
that way iu a few months. Its pro
jectors stated their belief that the plan
represents the best means yet devised
for encouraging thrift among wage
earners. The scheme is very simple,
aud consists simply in giving out minia
ture safes on payment of $2.50 by a
new depositor. This represents the
value of the safe, and is credited imme
diately to the person opening the ac
The safes are distributed by means
of a house-to-house canvass, and pass
books issued at the time that the initial
deposit is made. Then a collector who
holds the key calls once a month and
opens the safe, entering the value of its
contents on the pass-book of the de
positor. The collections range all the
way from fifty cents to $100, and rep
resent perhaps the savings of two or
three members of a family. The chief
advantage of the scheme lies in the
fact that it permits the deposit of the
smallest amounts, the safes being con
structed in such a way as to prevent
the withdrawal" of funds once depos
ited. Banks that have adopted tte
plan say that depositors thus secured
remain on their books for years, and
prove profitable customers. Since sta
tistics show that it costs savings banks
on the average $4 for every new cus
tomer secured, the new plan is eco
nomical, notwithstanding the original
outlay of $2000 or $3000 for safes.
Such a system of auxiliary banks is
rapidly gaining favor with trust com
panies at the West. A person familiar
with their use said: "These little banks
are accomplishing great things. Their
success is based on the theory that a
penny saved is a penny made, and the
way they are growing in favor in
dicates that they are filling a long-felt
want. I believe that the idea is thor
oughly legitimate, and adds to the use
fulness of a savings institution by pro
viding for the accumulation of chance
funds. That is what we most need
for the average person never realizes
that laying aside ten cents a day at
four per cent, interest amounts to
.$171 in five years. That is computed
on the basis cf Z"Z working days.
'Then, too, the scheme is available
for all members of a family, and en
courages young people to save during
the formative years when the habit of
thrift, once formed, remains generally
through life. If people wait to accu
mulate $5 or ?10 before making a sav
ings bank deposit, there is danger that
the sum will be frittered away. But
if the chance coins are put away in a
strong box trom which they cannot
be extracted the same temptation to
spend does not exist." New York Test.
Irish the Language of Lovers,
The Irish language is above all oth
ers the language of lovers. You may
find in French, or Spanish, or Italiai;
superlatives or diminutives of endear
ment, but you will never find anything
so soft. f?o sweet, so subtle, so sad and
sometimes so rapturously extravagant
as vcu will find in the Irish language.
Sydney 'X. S. W.), Freeman.
Tim Kiituie Sweets.
!:; :e l lum iiv In looked no gad.
I!c no.'lly -ih.'d mid tii'Mi
IN p. leil. "All. liow roiiM I In jil.nl.
(a, n.Mi-i, mu-1 kiK that I'm jumI had
1 ne'er in. iy have uim."
In sti.oii iiw'nile with even t'ownenst ;
"'iii"i iiiiili. lo.it tlnistriu, Hitii
1'n 4r.t.iu! ili'iio", ' alie kuiiI at hint, 1
" 'Tu I.. it tilt iimviTi that art pant
roe wiiiiii Iut .winnings rise,"
C iiit ao llt'coid Herald.
Chid.vs "Hdith siiy : nre only
making hive to tne out of r?.enge be
ca'ise she rcfus.d you."
Kupir,-"Pra.v tell her
for me that
is i,c sweet
Non tt Sjmrp.
pardon," said the
iooking fellow met ling Subbubs in a
dark strict, "but what time have you?"
"Just enough to catdi my train," re
pilrd Subbubs, as he hastened on.
A Ciwme For Worry.
j. .-' ...
"Don't worry about your pocketbook,
my dear; we won't starve."
"Oh, but, John, my cooking recipes
are in it !" New York Journal.
An Arperklun J'.t sentetl.
"They say our sense of humor is very
slight," said the Englishman.
"I have heard that."
"It's a libel. Why, sir, Ave laugh at
things which would provoke a smile
from anybody else." Washington Star.
"Manhattan "How careworn old Scad
Broadway "Well, it is no wonder.
After spending thirty years walking
the slack rope of commercial success,
he is now trying to climb the greased
pole of social distinction." New York-
The Fareittul Opinion.
"Did you speak tr father aboui our
marriage: asked Mayneiie.
"I did," replied Count Fucash.
"Did he give his consent?"
"Yes. After a fashion. He said that
if you had no nore sense than to be
willing to marry me, you didn't deserve
any better fate.' Washington Star.
An KnMiusiastiv Farewell.
"There was a big crowd at the rail
way station to bid -rood-b t ) Blinkers
dorf when he started for that new dip
lomatic post of his."
"A crowd of citizens?"
"Well, yes, it was made up of the
fellows who are candidates for his seat
in Congress." 'Jleveland Plain Dealer.
"Let us make the capital stock $1,
000,000,000," said the irst promoter.
"All right," said the second, who was
preparing the prospectus on the type
writer. "Will it be hard to increase that cap
ital?" asked he firs1.
"No, indeed. All I have to do is to
hit this 0 k' y a few more times."
He fell on his neel' and reminded
him of the good old .imes. He men
tioned the old playmate and spoke ten
derly of those who were dead.
After the fifth one they were as long
lost brothers, and so he ventured it.
"Sam," he saki, ".end me $50 until
to-morrow. I'm a good friend of
"You are," the other murmured with
enthusiasm. "You are the playmate
of infancy, the frien cf youth, and the
inspiration of manhcod's happy hours,
but," and a strange sadness crept iuto
his voice until it ibrated like the tones
of some rich instrument, "I can't lend
you $50, Bill. You're too good friend
to lose." Baltimore Herald.
I .! -.r
1 'M I
C? 1 I ft-
V 4r' k'L.
i:i-iitt In I U n Apple Oit U.nil,
It takes 'line from the piau'iiig of (lie
trees to tlu boar'ng stagt, to derive re
suits from an a; pi orchard, but the
value of the orchard will depend upon
the work given it during tin first two
or three years. When mi :.'.ple orchard
of seh'c.cd varieties li..s ome been he
cured, it should give a large protit ev
ery year, not only hi fruit, but also iu
using the lend for stock at certain
limes, and even by occasionally grow
ing a hoe or grass crop. Some large
orchards :.iv now u.st tl as locations for
It may seem early to talk about fer
tilizing lawns, but careful experiments
have proved that the very best time
to apply lawn fertilizers Is in March,
or Just as .soon as the frost Is out of
the ground, so that every particle of
the fertilizer will work Its way down
to the grass roots.
If fertilizer is applied as suggested,
It stimulates a strong root growth
early in the svason, which produces,
a little later, a linn sod covered with
beautiful, fine, dark green grass.
We would, therefore, advise every
one to apply their fertilizers early in
the spring, and they will bo sure to
have, a few weeks hence, a lawn that
Avill bo a delight every day, and re
tain its beautiful appearance all
through the dry summer months.
The Cerbvra Jameson! (Transvaal or
Berberton daisy) was awarded the first
prize as the most Important new plant
shown in 11)01 by the New York Haiti
Dense tufts of leaves arc a part of
Its vigorous growth, while beyond these
shoot tall, stout stems twelve t3 elgh-
teen inches in length, which terminate
in single flowers four inches across.
These vary in color, according to the
season, from a brilliant orange red
to a glowing scarlet. So this gay
South African is in reality a great red
t'.aiEy, in no way suggestive cf the
blood spilled on its native soil.
If planted iu the op?n sunny border
It flowers through the entire summer,
and if taken Into a greenhouse (tem
perature suitable for geraniums or car
nations) it will continue (luring the
winter. From the numerous novelties
in these flowers one can but reason
that it's to be a daisy season cr a
Marguerite one; so many preJcr this
name. Philadelphia Record.
How to Cet Kid of the Ked Spider.
One of th: Avorst pests the grower
of plants has to contend Avith is the
red spider. This insect is so small that
his presence is seldom suspected until
he has had ample opportunity to Co
treat injury. lie delights in a hot,
dry air, and therefore he docs his
most damaging Avork in Avinter, Avhen
the plants in the Aviudow garden aro
least able to resist him. Generally the
first indication of his presence is seen
in the yellowing of the foliitge. Then
the leaves begin to fall. In a short
time, if he is let alone, the plant Avill
be without a leaf. The only thing that
will rout him is water. He does not
care for tobacco smoke, or any other
insecticide. Heat a tubful of Avater to
120 degrees. Dip th? infested plants
in it and allow them to remain sub
merged for half a minute. Then re
move them, let them stand for ten
minutes, r.nd repeat the bath, being
sure the temperature Is up to the 1-0
degree mark. This will generally ki.l
all the spiders on the plants, but in
order to keep others from coming to
take their places, as they most cer-.
tainly Avill attempt to do if not inter
fered Avith, it Avill be necessary to
act constantly on the defensive. Ves
sels of water kept constantly evapor
ating on stoves and registers will lie
of great benefit. A dip bath once or
twice a Aveek Avill do a world of
good, especially if the plants are al
lowed to remain und.n Avater five or
ten minutes at a time. Homo ant'
When you bare made a child gl.it)
jou m.5y have n:ade a man good.
THE WORDS IN A UAD PENCIL,
I i.i;tnliin (nlr it In I Inn of a New (lil.uin
Some 4'lit h is bi'i n ciilclll.lt Ing tho
number of words in a lead pctn-ll. and
In h :s published the n suit ill an Or
leans papT. "I Irive," he t-.iys. "b t 11
figuring on the possiblliii s of wordi In
a had pciiell. and yon would be sur
prised to know what a man can do Iih
one lead pencil. I low many words nie
th"re in a lead pencil? How many
columns of newspaper matter? How
many pages In a book of the avei-iue
size? In the first place, the nuTau'e
pencil is seven Inches long. The avr
n fe diameter of the pencil used by men
who write a great ileal Is one twelfth
of an Inch. Considering the wood
and lead the point of a pencil measiius
about one-half of tin Inch, oni'-quarter
of an Inch rt presenting the lead por
tion. "Allowing for breaks and scratches."
continues this ingenious statistician,
"one-quarter of an Inch of lead will
write two columns of matter for the
ordinary newspaper, assuming that the
pencil is not of the extreme soft char
acter. There are about IS to words In
a full column of a newspaper of the
average size. Two columns would rep
resent UdOO words. So we get this num
ber of words out of one-quarter of
an Inch of lead. Out of an inch of lead
we would get four times .".GD0, or 14,400
words. Out of seven inches we would
get 100,800 words. So far as the num
ber of words is concerned Ave have in
this result the possibilities of the lead
pencil. . Allowing 1800 words to the
column, this would mean fifty-six col
umns of solid matter, or an eight
page paper of seven columns to 1he
Ho avLo is quick to promise is often
slow to perform.
Even an awkward deed is better than
the most eloquent dream.
The possessor of great means often
produces great meanness.
The attempt to be a good fellow has
spoiled many a good man.
A truly great name was never bought
at the price of a good one.
A man's business Is a curse Avheu he
is too busy to stop to do good.
To refuse a right responsibility
may be to reject a great reAvard.
It is never safe to Avaste the day of
life since the night falls without Avaru
ing. It is better to be a good man in a
bad place than a bad man in a good
Tlia value of r. man's opinion on a
subject depends on Avhat it costs him
to liAe up to them.
It is better to grow into a place of
poAver than to be bloAvn into one of
The power of perfecting the present
is worth more than the power of
prophesying the future. Ram's Horn.
Something New "Under the Sun."
In an article in Lippincott, on "Ad
vance Hints to Travelers," the author
"I recently met an Englishman Avho
told me he had been interested in a
company formed for the purpose of
serving ice by Avagon iu London after
the American plan. He said that
the company failed of success because
householders did not Icuoav Iioav to
keep the ice after they had bought it.
The refrigerator idea had not yet
dawned on the British mind. My in
formant went on to say that his com
pany had iioav turned its attention to
the introduction of refrigerators as a
requisite to the use of ice. I asked
him if he expected success in this
second venture despite the failure of
the first. He answered:
" 'Yes, because Ave have prepared
statistics sliOAVing the annual Avaste of
thousands of tons of provision in Lon
don because of the lack of means to
preserve them. When Ave have
touched the Londoner's pocket-nerve
Ave shall win.'
"The statement struck me as an ex
aggeration at the moment, but I re
ceived a confirmation of it a feAV days
later in London, wln I passed a house
furnishing shop a. whose door Avas
hung a ilia card reading thus: " 'The
Public is invited to step inside and
inspect a refrigerator in operation.
No charge.' "
When a southeast Avind is blowing
the visitor to Cape Town is treated to
a peculiar and interesting natural phe
nomenon, for under such conditions
Table Mountain, in the language of
the natives, "puts on a table cloth."
In other Avords, the thin line of
fleecy cloud forming above it descends
until it reaches flat upon the mountain
top, Avith its edges drooping grace
fully ever Its sides.
It is realiy not unlike the article of
household use Avhich gives it Its name.
It Makes New Trade.
The idea that advertising is merely
a struggle for a given amount of busi
ness Is a fallacy. Advertising creates
new business by reminding or inform
ing people of their needs a real ser-
I vict iu in-- in-uwir .is en as a ueueui
to the advertiser.
111 il paper lately read b-to:e tin
New Yolk Academy of Sciences Dr.
.Iiilleii bri.irji; firvn!'d evidence tu
how that tin injury ilmie to the blutls
along t!:e coasl Is often dd as imicli
lo tlie wind as to tic direct fiction oi'
tin waxes. Sand and sea spray. wlo n
driven for hours by a vloh :it wind, a t
as a great sand-blast, eating away,
with surprising rapidity, the layers of
sand and gravel of which many of mu
projecting headlands are composed.
The P.elgian Consul-Ci tiera! at Chi
cago has made a report on the magni
tude of tin commerce of cereals there,
from Avhich the following figures are
extracted. It is not every American
who realizes the enormous business
done; In the first place the flour Is
expressed in terms of Avheat by calling
one barrel of flour the equivalent m'
live bushels of Avheat. The figures of
nrlvals show that .'IUI.ooo.mod bushel
of grain were received in the last sta
tistical year. Wheat iu bulk was re
ceived to the amount of IH.OlMl.oo)
hi shels, aud maize to the amount tf
The average reader fails, perhaps, to
ee any connection between printing
paper and spruco gum, and yet the con
stautly increasing demand for the
paper has run up the price of the gum
and may, in n few years, make it un
obtainable. The explanation is In th?
fact that the printing papers of to-day-are
largely made of wood pulp of
spruce trees, vast forests of Avliich nre
found in the Ncav England States and
in Canada. Thousands of the biggest
trees are cut down every year to sup
ply the paper mills with pulp, and it Is
from these big trees that the greatest
quantity and the finest quality of '
spruce gum is obtained. So that the
gum has gradually become scarcer and
dearer, and the chances are that It Avill
after a while be held at a prohibitory
price, or not be obtainable at all.
The proverbirl conservatism of the
Chinese, by which customs are per
petuated generation after generation,
finds an odd exposition in tho tool steel
used by them. It Is knoAvn in the trade
as "bamboo steel," probably from its
similarity to the bamboo, their favor
ite structural material. From this
bamboo steel, which comes in bars
ab'out an inch square, Avith rings n'nout
every inch, which project about a
teenth of an inch, they make all their
tools. The material is made all over
Europe by firms which cater to tho
Chines" trade, a ready sale being
found for their product, notwithstand
ing the fact that it is not nearly as
good quality as commercial tool steels.
The Chinaman, however, knows that
his' faiher'and great-grandfather used
bamboo steel, and he steadfastly sticks
to it, refusing all other kinds.
One of the most helpful aids to fast
time for long distances is the railroad
dining car. Precluding, as it does, the
necessity of stopping trains at lunch
and dining stations, it contributes materi
ally to shortening the time of passage
between distant points, and in that
way it is more helpful than profitable.
This feature of railroading is compara
tively of recent origin. Probably it i?
still in its original stage of develop
ment, although it is difficult to doter-'
mine how or where it can be improved.
The railroad, Avhich operates more cf
these cars, as Avell as more sleeping
and parlor cars, than any other in tlie
Avorld. has tAventy-eight dining cars
and eight restaurants, and is now feed
ing more than S000 persons a day.
Each dining car costs .$15,000. In
cluding the food supply constantly cu
hard the company has therefor? abcut
half a million dollars invested in the
enterprise of feeding passengers Avhile
they are moving.
Dickens's Unfortunate Love.
Concerning Charles Dickens, it is
Avell knoAvn that though he married
Catherine, tne of George Hogarth's
three daughters, in 1SU0, he was later
devotedly attached to her sister Mary.
Why he did not marry Mary in the
first place is not certainly knoAvn, un
less it be that Mary, a young Avomau of
g.-eat loveliness of character, had suc
cessfully concealed her oavu affection
for Catherine's betrothed, in order to
save her siseer from disappointment.
Percy Fitzgerald, a frierd of Dick
ens's, expresses this Idea in an article
in Harper's Magazine entitled "Dick
ens in His Boobs." There s.-v.s to be
much popular -nnterest In this author
ucav, aud if his vogue returns, it Avill
r.ssuredly be a revival, as Avell as sur
vival, of the fittest, for Avhere can Ave
Unci greater charu in fiction than iu
vho novels cf Dickens?
The I.Itvrary Lire In Alaska.
Wc bes th? indulgence if our read
ers, as th? only printer in town has
departed, and until we can import an
other ocrne of our good friends Avho
had printing presses when boys and
two boys of eleven and twelve years
are making it possible to Lave a paper.
-Toe Publisher, the Sitka Alaskan.