BE THRIFTY.
Practical Advice to Young Men by
Herbert F. Price.
Money saving Ih becoming a lost
art with young men to-day. I am
Horry to sou tlio greater majority of
them wasting their money literally
throwing It away. Young men have
not half the thrift (hey had 25 yearn
ago. In those days nickels, dimes and
(uartci-H were brought to the hank for
deposit, and it was this excellent habit
of thrift that made many of the pres
ent merchants prosperous and helped
them to start upon a business career
of their own.
I wish I could (til every young man
with a dread and horror of poverty.
J wish It were possible for me to make
them feel Its constraint, Its bitterness
and Its despondencies that they
would make vows against it. They
would then read with patience what I
have to say regarding thrift.
What. Is thrift, young man? It is
the habit of saving something regular
ly out of your earnings, whether those
earnings be $1 or $10 a day. It Is the
accumulation of money while young
and In the prime of life. It is a fortress
against poverty, and absolutely tho
only way to get a solid fortune.
A dollar Is not an Insignificant thing,
but worthy of great respect, and ho
who considers It such can rightly be
said to be already poverty stricken,
for he Is very apt not to bo Influenced
by tho good virtue of thrift. On tho
contrary, ho Is very liable to spend
every cent he earns, and then In later
years, when he beholds some old ac
quaintance enjoying the fruits of his
MAKE YOUR
Burretm xin
For the boy who wants to make bis
own kite tho diagrams shown will
explain themselves. All tho mate
rials needed ure strong, thin paper or
A New Baby.
Next time you visit tho zoo, ask
them if they can show you a baby
'.hippopotamus. The London zoo has
j one.
He's such u quaint, big baby, with
the pinkest of toes and legs and a
fat, plum-colored, pudding-shaped
body.
He's a dreadfully fat young man,
this Master Hippo, with no less than
ifour double chins, and he weighs
FOUND ITS WAY HOME.
Pet Seal Which Its Owner Could
Not Lose.
Tho story of u pot seal, captured
when a pup by a lighthouse keeper
on tho const of England, is glvon in
"Reminiscences of a Sportsman."
Tho young seal was fed and allowed
to havo tho range of tho kitchen, and
tho members of tho household be
came greatly attached to it.
It would make its way daily down
to tho wutor, and pass many hours
swimming about. It secured more or
less food In that way, but always
returned to Its placo In tho kitchen
at night.
Blindness finally came to tho seal
with old age, but it continued Its jour
noys to the sea, and returned as reg
ularly as before
As old ago Increased It caused an
noyance by its peculiar cry for food
and its lessened ability to get about.
At last the family decided they must
part with it, and not wishing to kill
It, they arranged with a fisherman
to curry.lt well off somo 20 miles
I
I
hard work and self-denial, ho endeav
ors to seek consolation in the thought
that he Is a victim or fate. Young
men never make a more fatal mistake
in life than when they consider them
selves the creatures of fate It Is the
greatest folly in tho world. Let the
man of fate stop and roitson a little.
How did his prosperous friend suc
ceed, become able to drive a quick
stopping mare, travel abroad, possess
tho means by which he Is able to en
Joy tho beauties of nature, social pres
tige, and every comfort ho can wish
for In his home life? Ho began poor
like himself, but made a Judicious se
lection in business, stuck to It with
persistency nud courage; kept ahead
of the times, worked hard while others
slept, and, above all, saved his money.
He respected the cent and honored tho
dollar. "Hard luck" did just tho op
posite. He selected a business, but
never had the grit to stick to It. He
was lazy, and took everything in an
easy manner. Then, when failure and
poverty stare him In the face, ho says:
"I am a victim of rate."
Like small acorns which grow Into
great oak trees do u few cents dally
saved rapidly grow into largo bank
accounts.
How a Small Sum Saved Dally In
Time Grows Into a Fortune.
Cents
a day. Per year.
$.02i 10
.().'., '-'(I
.ll't 10
100
.r.: sio
1. 10 40)
rifty
In ton years years.
JIM $2,!M)0
IM) H.SOO
r.-jo ii.ooo
UOO 2!),000
j,r,ni) ns.ooo
n.'jtxi iifi.ooo
G.WM) n.'.ooo
U7A COO
By tho accompanying table it would
appear that, if a mechanic or clerk
would make up bis mind to save only
2yt cents a day from the tlmo ho Is
20 until ho Is 70, the aggregate, with
Interest, would amount to $2,900, while
a dally saving or 27 cents reaches
tho Independent and Important sum or
$29,000. There are very few young
men, If any, that cannot save dally, by
denying themselves tho enjoyment or
cigars, tobacco, and other things which
could easily be dispensed with. Thus
they will bo laying up something for
old ago when their days of activity are
over, or for some day of necessity In
the future when they will reap tho re
ward of these slight self-denials.
OWN KITE.
W KITE AM r?Arf
cotton goods, thin sticks that bend
easily (rattan Is best), strong thread,
straight, long sticks, patience and
Ingenuity.
about 180 pounds. I shouldn't like to
havo to carry him very far, would
you? This baby hippopotamus has
come all tho way from Nigeria, in
Africa, and he seems to have sot
tlod down quite happily in his new
homo,
There aro quite a lot of baby anl
mals just now at the various' zoos.
so mind you look out for thorn the
next tlmo you go some of them
aro such pretty, interesting llttls
croatures
and drop It Into tho sea. They ox-
pected that It would come to a nut.
ural death in that element. But on
the second day it appeared again at
Us accustomed placo.
Another effort was made to get rid
or it by arranging with a solllnir voa.
sel to take It several hundred miles
out to sea and then drop it in. This
was done, and some time nnssnii
away without any sign of tho noni.
But seven days after its doimrturo
tho kitchen maid, who Blent
door of tho kitchen, fancied during
the night sho had heard tho plaintive
cry of tho seal; and tho next mm nine
Its emaciated body was found on tho
threshold.
A Safe Custodian.
"Granny," said little Johnnie, as he
counted a lot of nuts somebody had
given him, "can you eat nuts?'
"No, dear," said tho old lady, "I
haven t got any teeth.'
"Well, then," said Johnnie, omntv-
ing his nuts Into granny's lap, "I'll
give you these to .mind till I cohjq
back. .
BUILDING UPSUSINESS
AN ORIGINAL PLAN TO TEST
NEW ENTERPRISES.
AN INDUSTRY INCUBATOR
Suggestions an to Assisting Smal
Manufacturers Toward Success
and Helping Town Interests.
Regardless of the magnitude of a
city or town there must bo employ
ment for the people. In fact, popula
tion of any city depends upon the op
portunity that it may afford tho resi
dents gaining a livelihood. Tho agri
cultural town receives its support from
whatevor mercantile traffic it can gain
from contiguous territory, and what
Industries In tho manufacturing lino
that can bo advantageously conducted.
Tho city draws support from the
smaller towns In an area of country,
which, owing to its geographical posi
tion and what other advantages it may
havo, It may command tho trade of.
It Ib to the advantage of every
town to havo as many manufacturing
plants as can be profitably operated.
Natural conditions regulato manufac
turing to a great extent. Transporta
tion facilities, the cost of raw material
and fuel are highly important factors;
yet there are certain lines of small
manufacturing that can be well car
ried on In any community if only
rightly managed. For many years
ambitious towns have followed the
practice of offering bonuses to manu
facturing concerns in order to secure
their location. The bonus system has
not always operated satisfactorily.
Too often promoters of manufacturing
enterprises look to the bonus offered
as a means of making profit rather
than to the legitimate conduct of the
business. Then, again, there are
stock-jobbing schemes that operate in
connection with the bonus plan, and it
lias been known that hundreds of
thousands of dollars havo boon lost by
people anxious to further the manu
facturing Interests of their homo
towns.
Numerous manufacturing centers
havo been gradually built up through
the right kind of co-operation of the
citizens. There is one prosperous city
in Illinois that owes Its activity main
ly to the plans pursued by an enter
prising class of Swedish citizens, who
some 30 years ago organized a
Swedish Aid society. This society ad
vanced money to worthy workers who
desired to engage in business. Ofllcers
of the society supervised the business
to a great extent, and small concerns
which were established have grown to
be factories whoso output run well up
into the millions annually. This aid
society loaned money to be repaid
from tho profits of tho business. The
plan was a successful one.
Tho system here referred to sug
gests a means whereby each town or
city which desires to build up manu
facturing interests can do so at the
minimum cost; that Is, that the dan
gers and objections offered by the
bonus systems are entirely eliminated,
as Is also the chance for promoters to
reap a harvest through tho exploita
tion of unsound enterprises. This
plan involves the Incorporation of a
promoting company. Local capital
may bo subscribed to whatever extent
is deemed expedient. To illustrate
If an organization be formed with $25,
000 capital, $10,000 of this capital can
be employed in the equipment of a
building for manufacturing purposes.
This building can have facilities for
hulf a dozen to a dozen small manu
facturing concerns. The power neces
sary may bo supplied from a general
power plant. The machinery for man
ufacturing can be installed as required.
A board of directors shall be selected
to oversee the business. Whenever
a small enterprise is found to bo seek
lug a location, tho directors aro em
powered to nogotiate for its location
OVERLOOKED OPPORTUNITIES.
Chances in Average Small Town for
Profitably Engaging in Business.
According to tho United States cen
sus of 1900 there was produced In tho
United States 1,293,GG2,133 dozen eggs.
The same statistics give tho annual
production of poultry at 250.023.114.
The butter made on farms each year
Is In excess of 1,000,000,000 pounds.
The cheese made on farms averages
about 20,000,000 pounds annually.
These statistics aro Interesting, and
with each farmer growing poultry and
eggs and making butter and cheese, It
hardly seems posslblo that such com
binations as dairy trusts and egg and
poultry trusts could exist, but that
they do Is nevertheless a fact.
Every small town in a farming dls
trict can command sufllclent butter.
egg and poultry trade to support a
prosperous exclusive produce estab
lishment. Tho practice has jreneraliv
obtained In agricultural districts or
storekeepers in various lines taking
larmers produce in oxchungo for
In tho town. Tho concern may bo In
corporated and a small amount of
stock taken by tho holding company
Facilities for manufacturing and mar
keting whatever the product may bo
aro afforded. If the enterprise proves
successful it can bo moved from tho
experimental station into a separate
building, tho holding company invest
ing in Its stock, and the dividends on
the stock can bo placed In the general
fund for tho extension of other enter
prises. Should an enterprise prove to
bo lacking In merit It can bo discard
ed. In this manner from hair a dozen
to a dozen different enterprises can
bo carried on and thoroughly tested a
to practical workings. Of course, it
must not be expected that all of the
undertakings will prove successful,
but if good Judgment bo used In select
ing enterprises, a large percentage
will prove profitable. Those who sub
scribe Tor tho stock of tho holding
company can be compensated by re
ceiving an equitable percentage upon
tho amount invested In stock.
This plan eliminates tho objection
able features of granting bonuses and
tho subscribing for s.tock In concerns
that are In embryo stage and purely
experiments.
EQUITY IN BUSINESS.
Practice of Live-and-Let-Llve Princi
ples Most Desirable.
Too frequently It Is noticed that in
the struggle to attain wealth the
rights of the Individual are Ignored.
Fair dealing Is a desirable thing as
well as most simple and it requires
only common honesty to practice it.
Not alone Is there honesty involved
in tho matter of selling but also In
the matter of buying. It is quite as
dishonorable for the purchaser to ex
act that the seller receive no profit on
an article sold as it is for the seller
to demand an exorbitant price for his
goods.
There Is much sound philosophy in
tho llve-and-let-live gospel. This is
nothing more than an observance of
the Golden Rule that has found ex
pression in all ages of enlightenment
from the tlmo of Gautama down to
tho present, in every day dealings it
is apparent that there is too much of
exaggerated selfishness in evidence,
too great a struggle for the vantage.
There should be a spirit of Christian
cooperation that would bo just to all
alike. Whole communities suffer
sometimes from the lack of this sense
of equity on tho part of merchants
and their customers.
How often is the complaint heard In
rural districts that tho storekeepers
of a town charge too high prices for
what they have to sell? How often is
It noticed that where this feeling dom
inates the people that the home
town suffers as a consequence? It is
short slghtcdness on parts of mer
chants to require of their customers
moro than what may be considered a
legitimate and just profit. In fact, It
Is poor business policy to follow out
a plan of this kind. There are many
towns whose growth has been pre
vented through a grasping tendency
of the merchants to make all they pos
sibly can in a few short years, and to
give the people as small an amount of
goods as they will take for their
money. The natural result of a pol
icy of this kind is that the people
seek other towns in which to do their
trading and quite often buy from the
distant mall-order house.
Habits once formed are hard to
break. It is quite as difficult tor the
merchant to recover from tho habit
of making exorbitant profits as it is
for the patron of tho mail-order house
to turn his trade to the home stores.
Should both the merchants and their
customers calmly consider principles
that enter into commerce, and both
determine to practice equity In their
dealings, the merchant to sell honest
goods at honest profits and the cus
tomer to give patronago to merchants
who would practice this principle, it
would be wholesome not alone for
tho home towns, but for all the com
munities. goods. The produce thus received by
merchants Is forwarded to the com
mission houses In the largo city, and
theso houses are factors that mako It
possible to maintain trusts in tho pro
duce business. It appears that If each
town had Its exclusive produce estab
lishment to buy what the farmer has
to sell instead of the produce uolnc
through tho local stores, that better
prices could bo paid the farmers and
the business made a most profitable
one it rightly conducted.
According to the natural laws of
business Industry succeeds best wlioi
advantages aro most abundant. Thus
it seems that tho produce offers
most excellont field In the majority of
agricultural towns.
First Mint Julep.
Common mint Is In Greece and Italy
so old that Ovid derived Us name from
Menthe, a young Greek woman who
by tho enmity of a harum-scarum Kod
uess, was convene' into tho plan
t
whoso, oil Is now an essential part
tho stock of the druggist, tho cam
of
ly
maker and tho care Impresario.
HEALTH NOTES FOR
AICIST.
August is the month of internal
catarrh. The mucous mem
branes, especially of the bowels,
are very liable to congestion,
causing summer complaint, and
catarrh of the bowels and other
Internal organs. Pe-ru-na Is an
excellent remedy for all these
conditions.
HIS FOOT ON THE TREADMILL.
Mr. Joacker Tells of One Sentenced to
Hard Labor for Life.
Said Mr. Joacker, who was reading
the paper: "Another poor wretch has
been given a lire sentence at hard la
bor." Said Mrs. Joacker, who was em
broidering blue roses: "Probably he
deserves It. What is he guilty of."
"Fraud and no visible means of sup
port. He obtained clothes and a fine
turnout with no money and nothing
collectible. He seems to be larger and
stronger than most of that class, yet it
is plain that he has never done a tap
of work, though he has managed to
live well, so far.- But the poor fellow
takes his sentence hard and cries
plteously, protesting his Innocence."
"The wretch! He must have dealt
with perfect fools!"
"No, his victim Is our own friend,
Jack Smith."
"That clever lawyer! Do read to me
all about it!"
" 'Born to Mr. and Mrs. John Smith,
a 12-pound boy.' " The Bohemian.
In Extremis.
The yacht was heavily becalmed.
There were but ten bottles of cham
pagne in the lockers. Their last signal
of distress had been sent up, without
bringing any response.
"Gentlemen," exclaimed the commo
dore, in a quavering voice, "I can no
longer conceal the hideous truth from
you. Sobriety stares us In the face!"
It was a wildly various scene which
ensued. Some blasphemed, some
prayed, some, In an access of frenzied
wantonness, sang songs, while some
sat stoically by, awaiting their fate
with at least an outward calm. Puck.
The Modern Child.
Five-year-old Nellie had been
naughty all day. Finally her mamma,
a very portly woman, sat down and
drew the little culprit across her am
plo lap to administer the long delayed
punishment. Nellie's face was fairly
burled In tho folds of her mother's
dress. Berore tho maternal hand could
descend Nellie turned her face to say:
"Well, If I'm going to bo spanked I
must have air." Harper's.
COFFEE
AILS
Quit when you use
POSTUM
"THERE'S A REASON."
Hi-iKl tlm llttlo book, "Tlio Komi to Well
villi'," 111 pkKS.