The McCook tribune. (McCook, Neb.) 1886-1936, October 26, 1894, Image 6

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I iIgIated Its Prosperity-No Lon ; r an
Easy Matter to Secure Good Loans-
Friglttened Capitat away--Populism
has Driven Money Out of the Sunflower
State-Eastern Dien Will Not Consent
to Place Their Money Where It Had
Formerly Flowcd In a Steady Stream.
Populism In Kansas.
When a man assumes the role of
Leader in public sentiment , whatever
be his theories , he ought at least be
honest in his statements of fact. Editor
Rosewater , of the Bee , and Senator
Allen , another populist leader of Nebraska -
braska , are telling the people of that
state that populism has not injured the
financial credit of Kansas. Mr. Rosewater -
water even goes to the extent of publishing -
lishing pretended interviews with Kansas -
sas money lenders , to prove that interest -
, est rates have been lowered and borrowing -
rowing of money made easy to Kansas
people by populism. Now , the exact
opposite of what Mr. Rosewater teaches
in this matter is so notoriously and
painfully true and the evidence so
abundant and so positive that Nebraska
people need not be deceived , and if they
want populism they must take it with
their eyes open.
'Po settle this question once for all
that populism as to its effect on state
credit may stand in its true light , the
Journal presents an tliorized statements
fromn Topeka as well as Kansas City
The first man seen in Topeka by the
Journal representative was T. B. Sweet ,
president of the Trust Company of
America , which has a paid up capital
of ,700,000 and an authorized capital of
w1.00o00 , with offices in Topeka , Denver -
ver and I iiiladelphhd. fir. Sweet said :
'The census of 1890 showed Kansas
mortgages to be $240,000,000 , which
was , 1 think , an excess of some 540,000-
000 over the actual amount of longtime
loans in the state then. Since then the
" pcope ! have reduced their loans very
considerably , certainly as fast as they
could , and now Kansas people have
< borrowed of long time money probably
about 170,000t00. Therate they must
pay on this borrowed money depends
Y much upon the amount of conservative
capital which remains with us and
, , competes for business. Conservative
" capital is always the lowest in interest
rates of all money.
. „ It is that money which comes from
life insurance companies nand savings
banks in the east , and which seeks only
the choicest security at the lowest rates
of interest. That is the part of our
borrowed capital , which , when it re-
i' mains among us , amid offers itself in
the market , has the effect to reduce
the price of moneygenerally. When it
withdraws' the effect is to raise the
: ; price of money to all borrowers. This
conservative capital is always the last
to enter a new state and the first to
take fright and go away on the least
signs of danger in public sentiment or
hostile legislation. This conservative
, money is never deposited in our banks
or used in ordinary business , for the
reason that it seeks a permanent and
long time investnmentand is , therefore -
fore , loaned only on real estate securi-
ty. The first signs of injury to Kansas
credit by the promulgation of the dangerous -
gerous financial theories of the populist
party were the withdrawal of this conservative -
servative money from Kansas , which
is practically complete. The effect has
been to raise the rate of interest on
this S17O,000,000 which we now have of
borrowed money , about 1 to 134 per
cent per annum , a direct increase in
the cost to our interest payers of over
$2x,00,000 annually. Besides this direct
cost in increased interest , the loss to
borrowers has been very large , because
loans , by reason of unwise changes in
our foreclosure laws , could not be renews -
news , compelling many forciosurs. In
localities where populism is rank and
district courts pronounced againstlend-
ers , no lenders , at any rate or on any
terms , would lend money.
' 1 think that it can be safely said
that populism has cost Kansas borrowers -
rowers ovea $5,000CO3 annually in the
last two years by its damage to their
'credit. 11'e began business here in
187:1. Then conservative capital had
uotyet entered the state , and borrowers
paid 12 per cent and brokers' commission -
sion of 1 per Scent per year. In 1890 ,
'lien populism began its crusade , by
time at of 'conservative capital , which
was then looped extensivelyhere , rates
had come down to 0 per cent , with
to 1 per cent commission. Since the
populists have gained complete control
of the state it has been impossible to ,
sell Kansas loaniin the eastern market.
Out of the very large number of loan
companies which were operating in this
state in 1590 , I do not know of half a
dozen who are now loaning in Kansas ,
and their business is so small as to be .
almost imperceptible. Eastern people
have been told generally that populism
-will soon subside , and for that reason
we are enabled to hold off some fore- '
I closures and to secure some extensions ,
! lilt at higher rates than formerly.
Wherever the borrower can , he is required -
quired to pay by the holder of the
nnortgage , and every dollar paid goes
cast as soon as it can he collected. Up
to two or three years ago , as fast as
loans were paid , the money was not
withdrawn from thestate , but was immediately -
mediately reloaneu to some one else.
Now , every dollar goes back to its
owner as fast as it can get away , and
no new money comes in to take its
"There is a steady drain of money
out of this slate , which is reloaned in
Iowa , Illinois and other states at low
rates The amount of money that has
gone east from this state in the last
three or fouryears is without precedent
3n the history of this country. In 1590 I
our company here had over $15,000,000
loaned in this state , of which we have
sent about S,000.000 back to its eastI I C
.ern home. This company has not
placed a loan for over two and a half '
years in Kansas , although it hasloaned
largely elsewhere. There is not one of
the several incorporated loan companies -
nies of Topeka that is loaning a dollar
today in Kansas so far as I know. Wo
have defended the credit of Kansas for
years the best we could , and every
loan company in this city has tried to
stem the tide of distrust that populism
has brought against the state. it is tot
- - - -
t : --r. - - -
the borrower s'interest to keep corner
vative capital in the state , for the reason -
son that when conservative capital
withdraws , rates go up and local capital -
tal na'zrally charges a higher rate-
and the small amount of for al capital is
not sufficient for the needs of a rapidly
developing new state. But eastern
capital has gone and the people are beginning -
ginning to understand what that
means to them and when they see the
cause I think they will apply the remedy -
edy , They will reject the false fiuan-
cial theories of the populist party , repeal -
peal the populist laws and restore the
credit of Kansas. Then and not till
then will eastern money return.
"I don't understand how any man
who has any state pride could wish to
put upon his state such conditions of
humiliated reputation and injured
credit as Kansas has suffered from in
the last few years. "
The Journal representative next
called on the Investment Trust Corn-
puny of America , Mr. H. E. Ball , president -
ident , said :
"Populism has frightened cheap
money and "driven it out of the state.
We had 9.500,000 loaned in Kansas in
1890. Of this sum 55,500,000 has been
collected and sent east and in its stead
higher rate money has been placed.
Interest rates on long time loans have
advanced about w per cent. We are
now requited by our eastern clients to
collect on all mortgages , where collection -
tion is possible , and when extensions
of time are given the rate of interest
charged is 10 per cent. If it were not
for the fear of populism we would be
able to loan in this state at the same
rates as are charged in Iowa and Ne-
braska. There is a strong demand for
long time loans nosy , especially west
of the few river counties , and rates are
higher. There are only a very few new
loans being made. "
Mr. A. H. Bates , president of the
Financial association , said :
'I knowof no one making new loans
regularly now in this state. There may
be a new loan made now and then ,
where the parties have good personal
recommendations and where the security -
ity is .prime. I know of many people
who have tried to get new loans to replace -
place old ones , and they have failed
and have been obliged to get extensions
on the old loan at an increased rate of
interest. Theuncertaintyof what will
happen in our laws is what scares eastern -
ern people. "
i\11. . ' 1' . T. Gillingham , of the Interstate -
state Finance company , said :
"Interest rates on long time loans
have advanced in the last two or three
years about l3 to 2 per cent. We are
now renewing old loans , but not making -
ing any new ones If you go out into
the country among the farmers you
will find out about this business. "
Mr. Van Hook , loan broker , said :
The tendency of cheap money is to get
out of Kansas as quick as possible. I
hate to say so , but it is true. We are
making very few loans-about one now
to where we did 1CO three or four years
ago. It is difficult to get renewals. "
Mr. Van Hook is one of the officers of
the National Mortgage and Debenture
The next gentleman seen was T. E.
Bowman , of Bowman & Co. Mr. Bowman -
man said : "Before populism hit us
here in Kansas we got money fromn the
east and loaned it herg at 7 per cent.
Now we can get very little eastern
money at S per cent and upward. We
have an eastern correspondent who
promised us $100,000 , but recently withdrew -
drew it until after election. " Mr. Bowman -
man here showed a letter which he ,
had just received and which was yet
lying on his table , from an old lady in
New Bedford , Mass. She has been
loaning a part of her son's estate in
Kansas. Among other thingsshe said :
"I am willing to trust you in the future -
ture as I have in the past , and I am
willing to believe in the honesty of
those borrowers out there individually ,
but please see that no loophole is left
in any of the transactions , as I do not
have confidence in your Kansas judges.
They will construe every point against
eastern of . " ' 'This "
an person they can. ,
said Mr. Bowman , "shows what populism -
lism and populist government have
done for Kansas in the eyes of eastern
people. I could show you hundreds of
letters where thesame fear is expressed
of our laws"
The next person seen was Mr. Samuel
How , president of the Kansas National.
bank and also president of the City
Real Estate and Trust company. This
company has a paid up capital of $100-
OCO. "We now have about 2,000 eastern -
ern clients , " said he , "who are demanding -
manding speedy collection of about
52,000,000 , which is in the form of long
time loans We could easily get these
loans extended , or get new money to
take their place if it were not .for fear
of time populists. They seem to be a
red flag everywhere among moneyed
people. Interest rates have advanced
considerably in the last two years. I
don't know how much. It is a disagreeable -
greeable subject and I don't care to dis-
mss it at length. "
Judge Quinton , of the law firm of
Quinton & Quinton , was busy at his
desk. He was recommended as one
whose business was extensive with ,
eastern clients in. forecloseures He
pointed to a pile of over 3C0 letters on
his table. "There , " said he , 'tare over
3001etter received in the last few days
all from eastern clients , all referring to
the collections of Kansas loans , and all
wanting their money. "
' 'Can't the borrowers get new loans
of some one else who wants to put
money out ? "
"It seems not Now and then a borrower -
rower gets a nesv loan , but they are
scarce. l'n ' the 'western part of the
state renewals are impossible. In a
few weeks I have got judgment ( here
he showed his judgment docket ) on
113 loans. Nearly everyone of these
borrowers lost the land and the worti
gagee bids it in. Eastern people are
exercising a great deal of patience 1
about these foreclosures They realize
the situation and in every case where
the borrower can reduce the loan some
is given an extension on the bal-
ance. "
At this point Mr. D. N. Burge , sheriff
Shawnee .eounty , entered and was
introduced to the Journal representai
"I have just sold , at sheriff's sale , " i
he said , "a residence property in Topeka -
ka , a brick house that would have sold
two years ago at $8,000 , for $3,505. "
" 11 a waited six months on these parties -
ties to get a new loan , " said Judge
Quinton. "but they could not. "
N. t. Millspaugh , secretary of the
Glote Mortgage and Investment company -
pany said : " I have been here since .
188 ? . We loaned up to 1890. Up to
then , we had more eastern money than
we could place. Now we cannot sell.
Kansas loans at all. We simply collect -
lect and send east every dollar as fast
as possible. Rates have risen some ,
where new loans are made. I think
about 15 per cent. There are very
few new loans made now. "
John T Cheeney , of Phillips &
Cheeney , said : "It would be a picnic
to ) make loans now if we had the money
or could sell the loans. We are making
now and then a loan at 8 per cent , but
it requires about double the security
that it used to. We loan only about
half on a farm that we did two years
or three years ago. We loan now only
$800 to$1,000 on a 160 acre farm here
in Shawnee county , when the land is
finely improved. We used to loan
double that amount at 6 per cent. "
Mr. Hilton , ft loan man , said : "Our
firm , in the last three years , has collected -
lected and sent east $500,000 and has
not received a dollar of new money
from the east to take its place. We
prefer to reduce our liabilities and wait
till a change comes. Interest rates
have raised between 1 and w per cent.
It is very unsatisfactory to loan money
now , as people do not like to go back
to high rates. "
Mr. M. P. Hilliar , dealer in bonds
and municipal securities , said : "Ihave
just returned from New York , where I
offered some Kansas bonds to the New
York Life Insurance company. 'That's
a good bond , ' they said to me , 'but , Mr.
Hilliarwe are not buying Kansas bonds.
They are in bad odor and we can't afford -
ford to have bonds where the people
talk repudiation , as your Kansas people -
ple do. ' I could not sell the bond ,
although it was one of the best ever
offered in this state , Eastern people
say to us : 'Go home and straighten
out your laws and the sentiments of
your people and then come to us and
we will buy your bonds. '
Continuing , Mr. Hillar said : "I have
now $40,000 , 6 per cent , twenty-year
bonds , on one of the best cities in this
state , population 6,000 , with fine rail-
roads. These bonds would readily sell
on a Nebraska town at a premium , and
all I am offered is 95 per cent. "
Mr. Pointdexter , of the Northwestern -
ern Mutual Life Insurance company ,
said : 'We make very few conservative -
tive loans now. I know from personal
experience all over the state that long
time loans are hard to get. "
Mr. P. I. Bonebralte , president of
the Central National bank , said : "I
have been a resident of Topeka for the
last thirty years. I was county clerk
of this county ten years ; auditor of the
state six years ; member of the legislature -
ture , and have been in the banking
business some fifteen years. I have
been in every county in Kansas , and
consider myself pretty well posted as
to its affairs. The eastern half of the
state is recuperating rapidly , as would
the whole state had it not been for the
dry season of 1894. People are paying
off their mortgages rapidly. We would
be in much better condition if it was
not for our bad credit east. Men who
are unable to pay find it almost impossible -
sible to get extensions-while it is a
very extraordinary thing to get a loan
of eastern capital to place upon farm
lands now.
"This want of confidence has been
brought about by unfriendly legislation
of the last four years , Together with
the calamity wail that has been going
up from every rostrum in Kansas , and
also from a large portion of the press
of the state. We of Kansas have done
more to damage our reputation by our
talk of the last four years than did the
drouth , grasshoppers and tornadoes of
the last thirty ears Just now we are
going through a heated political cain-
paign. If the republicans carry the
state this fall , as it now seems they
will , we look for a change. If they
fail the end is not yet. The banks are
full of money , have higher reserve now
titan they have had foryears , but there
is no good demand for it. People are
afraid to invest their money in any
business , for fear they will not get a
refurn , for their investmentt. Merchants
are running as economically as possible
and every class of business is running
at the very lowest possible plane. The
reason for this is , they have no confidence -
dence in the future. Should there be
more unfriendly legislation this coming
winter , the stagnation will continue.
"To sum it up , the farmers who have
live stock or grain to sell are econo
mizing and getting out of debt rapidly.
The business men who have resources
of their own to rely upon are bettering -
ing their condition , but who
have mortgages to pay , and whocould ,
under ordinary circumstances , get extensions -
tensions of time or new loans to carry
them through to better times , are having -
ing a hard time. "
'T'he Journal representative then called -
ed on John fl. Mulvane , president of
the Bank of Topeka , the largest bank
in the ' city , and showed him the published -
lished 'interview which Mr. Rosewater ,
of the Bee , pretended to have with
him and Mr. Henderson , the assistant
cashier , a few days before. "I am just
now answering an inquiry from Nebraska -
braska about that interview , " said Mr.
llulvane , as he showed a letter which
lie had just dictated to a prominent
financier in Nebraska. "Neither Mr.
Henderson nor myself ever saw Mr.
Rosewater that we know of. If he was
here he did not make himself or his
business known. I would have told
Mr. Rosewater , and I am ready to tell t
any man from Nebraska , that populism
has humiliated this state and injured
the financial credit of its people , has
cost them more money is increased interest -
terest and loss of property by foreclosures -
ures than all the combined misfortunes
we have ever had. "
The same views were expressed by
the representative loan men of Kansas
City , who expressed themselves as very
certain ofthe cause of all the trouble
n the state.
Mr. IL M. Snyder , who handles a
arge loan business and has been in the
business for years stated yesterday to a
Journal representative : "I cannot get a
money to loan in Kansas at any rate or s
under any circumstances My clients
will not entertain any proposition from i
that state no matter what its nature is
or what the amount of security offered
s. At the same time I am overloaded
with large sums of readycash to loan
n this city at 5 per cent and cannot
loan enough. I would not be able to
sell a loan in the state of Kansas even t
rI made payable in gold , with all other
provisions that would ordinarily make
a loan desirable. The entire blame is t
to be attributed to the foolish laws of
the populists there regarding loans and
the.fear of eastern investors of future
action along the same line. " r
, , . .
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; ; - - - : - - -
"The Stork In the Heavens Kuoweth
Her Appolutod Time , but My People
Know Not the Judgment of the Lord.
Jer. 6VIL
BROORLrN , Oct. ° 1.-Ref. Dr. Tal-
mage , who has left India and is now
on his homeward journey , has selected
as the subject for his sermon to-day
through the press , "October Thoughts , "
his text being Jeremiah 8vii.
When God would set. fast a beautiful
thought , he plants it in a tree. When
he would put it afloat he fashions it
into a fish. When he would have it
glide the air , he moulds it into a bird.
My text speaks of four birds of beautiful -
ful instinct-the stork , of such strong
affection that it is allowed familiarly
to come in Holland and Germany , and
build its nest over the doorway ; the
sweet-dispositioned turtle dove , mingling -
ling in color white and black , and
brown , and ashen , and chestnut ; the
crane , with voice like the clang of a
trumpet ; the swallows , swift as a dart
shot out of the bow of heaven , falling ,
mounting , skimming , sailing-four
birds started by the prophet twenty-
five centuries ago , yet flyingon ; through
the ages , with rousing truth under
glossy wing and in the clutch of stout
claw. I suppose it may have been this
very season of the year-autumn-and
the out-of-doors of
prophet - - , thinking
the impenitence of the people of his
day , hears a great cry overhead.
Now , you know it is no easy thing
for one with ordinary delicacy of eyesight -
sight toslook into the deep blue cif
noonday heaven ; but the prophet looks
up , and. there arc flocks of storks , and
turtle doves , and cranes , and swallows
drawn out in long lines for flight
southward. As is their habit , the
cranes had arranged themselves in two
lines making an angle , a wedge splitting -
ting the air with wild velocity , the old
crane , with commanding call bidding
them onward ; while the towns , and
the cities , and the continents slid under -
der them. The prophet , almost blinded
from looking into the dazzling hcav-
ens , stoops down and begins to think
how much superior the birds are in
sagacity about their safety than men
about theirs ; and he puts his hand upon
the pen , and begins to write : "The
stork in the heaven knoweth her appointed -
pointed times ; and the turtle and the
crane and the swallow observe the
time of their coming ; but my people
know not the judgment of the Lord. "
If you were in the field to-day , in
the clump of trees at the corner of the
field , you would see a convention of
birds , noisy as the American congress
the last night before adjournment , eras
as the English parliament when some
unfortunate member proposes more
economy in the queen's household.-a
convention of birds all talking at once ,
moving and passing. resolutions on the
subject of migration ; some proposing
to go to-morrow , some moving that
they go to-day , but all unanimous in
the fact that they must go soon , for
they have marching orders from the
Lord written on the first white s'heet
of frost , and in time pictorial of the
changing leaves. There is not a belted -
ed kingfisher , a chaffinch , or a
fire crested wren , or a plover ,
or a red legged partridge but
expects to spend the winter at
the south , for the apartments
have already been ordered for them in
South America or in Africa ; and after
thousands of miles of flight , they will
stop in the very tree where theyy spent
last January. Farewell , bright plumage -
age ! Until spring weather , away ! Fly
on , great band of heavenly musicians !
Strew the continents with music , and
whether from Ceylon isle ; or Carolinian
swamps , or Brazilian groves men see
your wings or hear your voice , may
they yet bethink themselves of time
solemn words of the text : "Time stork
in the heaven knoweth her appointed
times ; and the turtle and the crane
and the swallow observe the time of
their coming ; but my people know not
the judgment of the Lord. "
I propose so far as. God may help me ,
a this sermon. carrying out the idea
of the text , to show that the birds of
the air have more sagacity than men.
And I begin by particularizing and
saying that they mingle music with
their work. The most serious undertaking -
taking of a bird's life is this annual
flight southward. Naturalists tell us
that they arrive thin and weary , and
plumage ruffled , and yet they go sing-
mg all the way ; the ground , the lower
line of the music , the shy , the upper
line of the music , themselves the notes
scattered up and dowel between. I
suppose their song gives. elasticity to
heir wing and helps on with the journey -
ney , dwindling a thousand miles into
four hundred. Would God that we
were as wise as they in mingling Christian -
tian song with our every day work ! ' ' I
believe there is such a thing as taking
the pitch of Christian devotion in the
morning and keeping it all tale day. I
think we might take some-of the dullest -
est , heaviest , most disagreeable work
of our life , and'set % t to the' time of
Antioch" or "Mount Pisgalh , "
Itisagood s agnwhen yonihearawork-
man whistle It is a better sign. . when
you hear him hum a roundelay. It is
still better sign when you hear him
ing thewords of Isaac Watts orCharles
Wesley. A violin chorded and strum ,
f something accidentally strike it ,
makes music , and I suppose there is
such a thing as having our hearts so
attuned by divine grace , that even the !
rough collisions of life will make a
heavenly vibration. I do not believe I
hat the power of Christian song has yet
been fully tried. I believe that if you
could roll the "Old Hundred" doxology
hough the street , it would put an end
o any panic ! I believe that the discords -
cords , and the sorrows , and the sins of
the world are tobe swept outby heaven '
. . _
born hallelujahs. Some one asked
Haydn , the celebrated musician , why he
always composed such cheerful music.
"Why , " he said , "I can't do other-
wise. When I think of God my soul is
so full of joy that the notes leap and
dance from my pen. " Iwishwemight
all exult melodiously before the Lord.
With God for our Father , and Christ
for our Savior , and heaven for our
1omne , and angels for future companions -
ions , and , eternity for a lifetime , we
should strike all the notes of joy. Going -
ing through the wilderness of this
world let us remember that we are on
the way to the summery clime of heaven -
ven , and from the migratory populations -
tions flying through this autumnal air
learn always to keep singing.
Children of the heavenly King ,
As ye journey , sweetly sing ,
Sing your Savior's worthy praise ,
Glorious in his works and ways.
Ye are traveling home to Gcd ,
In the way your fathers trod ;
They are happy now , and we
Soon their happiness shall see.
The church of God never will be a
triumphant church until it becomes a
singing church.
I go further , and remark that the
birds of the air are wiser than we , in
the fact that in their migration they
fly very high. During the summer ,
when they are in the fields , they often
come within reach of the gun , but
when they start for their annual flight
southward. they take their places mid-
heaven and go straight as a mark. The
longest rifle that was ever brought to
shoulder can not reach them. Would
toGod , that we were as wise as time
stork and crane in our flight. heaven-
ward. We fly so low that we are within -
in easy range of the world , time flesh
and the devil. We are brought dowa
by temptations that ought not to come
within a mile of reaching us. Oh , for
some of the faith of George Miller of
England , and Elfred Cookman once of
the church militant , now of the
church triumphant ! So poor is time
type of piety in the churchm of God
now , that men actually caricature the
idea that there is any suchm timing as a
higher life. Moles never did believe in
eagles. But , my brethren , because
we have not reached these heights
ourselves , shall we deride the fact that
there are any such heights ? A man
was once talking to Brunel , the famous
engineer , about the length of the railroad -
road from London to Bristol' The engineer -
gineer said , "It is not very great. We
shall have , after a while , a steamer
running from England to New York. "
They laughed him to scorn : but we
have gone so far now that we have
ceased to laugh at anything as impcs-
sible for the Lord ? I do not believe
that God exhausted all his grace
in Paul , and Latimer and Edward
Payson , I believe there are
higher points of Christian attainment
to be reached in the future ages of time
-Christian world. You tell me that
Paul went up to the tiptop of the Alps
of Christian attainnment. Then I tell
you that time stork and ermine have found
above the Alps plenty of room for free
flying. We go out and we conquer our
temptations by the grace of God , and
lie dowrt. On time morrow , those
temptations rally themselves and attack -
tack us , and by the grace of God we
defeat them again , but , saying all the
time in the old encampment , we have
the same old battles to fight over.
Wlmy not whip out our temptations ,
and then forward march , making one
raid through time eneIny's country ,
stopping not until we break
ranks after the last victory. Do , '
my brethren , let us have some novelty
of combat , at any rate , by changing -
ing , by going on , by making advancement -
ment , trading oft our stale prayers
about sins we ought to have quit long
ago , going on toward a higher state of
Christian character , and routing out
sins that we have never thought of yet.
The fact is , if the church of God-if we
as individuals , made rapid advancement -
ment in the Christian life , these stereo
typed prayers we have been making
for ten or fifteen years would be as inappropriate -
appropriate to us as the shoes , and the
hats , and the coats we wore ten or
fifteen years ago , Oh for a higher
flight in the Christian life , the stork
and the crane in their migration teaching -
ing us the lesson !
Dear Lord , and shall we ever live , h
At this poor dying rate-
Our love so faint , so cold to thee ,
And thine to us so greats
Aga' , I remark that the birds of
the air are wiser than we , because they
know when to start. If you should go
out now and shout , "Stop , storks and '
cranes , don't be in a Imurryl" they would
say , "No , we can not stop ; last night
we heard the roaring in the woods
bidding us away , and time shrill fiute
of the north wind has sounded the re- ,
treat. We must go. We must go. " I
So they gather themselves into compa- ,
flies , and turning not aside for storm
or mountain top , or shock of musketry ,
over land and sea , straight as an arrow
to the mark they go. And if3 ou come
out this morning with a' sack of corn
and throw it in the fields and try to ±
get them to stop , they are now so far
up they would hardly see it. . They are i
on. their way south. Yon.could notstop
them. Oh , that we wereas wise about
the best time to , start for' God and
heaven ! We say , . "Wait. until it is a ,
little- liter in the season. of mercy. !
Wait umtil some of these. green , leaves ' ref
of imppe are' all dxied up and. have. been I
scattered : . Wait until neat. year. "
After awhile we : start } and it is too
late , and we perish im the way when
God's wrath is kindled but a little. t
there are , you know , exceptional
cases , where birds have. started too t
late , and in the morning you have
found them dead on the snow. And t
there axe those who have perished a
half way between theworld and Christ. c
they waited until the last sickness , s
when the mind was gone , or they were eon
on the express train going at forty a
miles an hour , and they came to the t
bridge and the "draw was up" and
went down. How
they long to o
repent and pray ? Two seconds ! To
10 the work of a lifetime and
do prepare for the vast eternity in two 1
7 ,
Lr t
- r
seconds ! I as reading of an enter
taimmnent given in a ldug's court , and
there were musicians there , with
elaborate picces of music. After , awhile
Mozart came and began b to play , and
lie had a blank piece of paper before
him , and time king familiarly looked
over his shoulder and said , "What are '
you playing ? I see no music before ' \ , . I
you. " And Mozart put his hand on his , '
brow , as much as to say , "I am impro-
vising. " It was very well for him , but '
oh , my friends , we can not extemporize -
heaven. If we do not get prepared in r'
this world , we will never take part in
the orchestral harmonies of the saved.
Oh that we were as wise as the crane
and the stork , flying away , flying'
away from the tempest.
According to statistics the total cost
of the liquors of all kinds consumed in
this country is about $16 per capita &
The rainfall of Oklahoma has in'
creased since the settlers turned up
the old buffalo grass and put in fresh
The tusks of the largest Siberian
mammoth ever dug up weighed 860
Jemima , a favorite name among the
Hebrews , means a dove.
The damask rose came from Damas-
ens to South Europe in 1543.
Glycerine neither freezes nor eyap-
There are fewer savings banks in
New York now than there were twenty -
ty years ago.
The city of Potsdam , Germany , has '
been photographed from a distance of
three miles. ,
The Catholic total abstinence union
of the United States has 57,350 mem- ,
Time original copy of the Declaration -
tion of Independence has faded so
that it is now scarcely more than a
A Passaic river naturalist and taxidermist -
dermist makes hie living by raising
owls and stufliug them for the market.
Time wettest place in the world is
Cherrapingi in Assam , where time average -
erage rainfall for fifteen years has
been 493 inches. In 1861 it was 905.
During the tenth century no woman
was allowed to appear at church without -
out a veil.
Before storing honey in trees , bees
will clean the tree of all rotten wood
and refuse.
The oldest guide at Niagara falls
declares tlmat women are more courageous -
ageous than men.
The Greeks had a female deity
named Hygela , whose duty it was to
keep the babies well.
A woman over eighty years old has
been arrested is New Yok on a
charge of having set fire to her store.
There was an "irony of fate" in the
destruction by fire of the plant of a 1
'firo proof construction company" in
New Jersey.
In Africa Mumbo Jumbo is an ungallant -
gallant god , who comes once a year to
flog the women who have been trying '
to run the villae.
Willie Jones of Grardvilk : , Pa. ,
having lost his shin bones by blood-
poisoning , has been supplied by a surgeon -
geon with new ones of India rubber.
It was provided by time central conference -
ference of American rabbis which met
in New York last year that a rabbi
rn.y officiate at a case of cremation ,
but must remain at a certain distance
from the crematory. '
The standard colors of the postal
union will , it is expected , be adopted /
by the United States government. ,
These colors are : Green for one-cent '
stamps , red for two-cent stamps and
blue for five-cent stamps. Most of a
the postal union countries have
adopted them.
Russia proposes to connect the
Baltic with the Black sea , according
to a recent report. Time rivers
Dnieper and Dwina are to be joined
by a canal ; surveying has begun at
both ends of time route , and Chcrson is
spoken of as the harbor for the canal
on the Black sea.
Petroleum is derived from vegeta- , m -
ble and animal substances that were '
deposited in and associated with the
forming rocks
Spontaneous combustion occurs in
many substances because during fermentation
mentation heat is evolved and inflam- <
enable gases are engendered. "
It is computed that every year the { '
earth receives 146,000,000,000 shooting
stars , which fall on , its surface and h
thus slowly increase its mass
Beer placed in dishes near- flower f
pots will tempt all the snails-In the
vicinity and the next morning they
will be found lying alongside dead.
A process of clectro-photography r
has been perfected which makes it
possible by meansof short electrical
waves to photograph the internal or-
Bans. l
lg g
The highest '
mountain in thew 'd
S the old established Everest in. the
Himalayas. Mt. Hercules in New
Guinea shrunk a good dealafter it was
, Oxy g en is likely to pay an impor -
ant part in the submarine boat , to be
built for the navy. It has been found
hat a comparatively' small quantity i
of oxygen from time to time admitted t
0 a submarine chamber will keep the s
it of such a chamber for hours i n limo
ondition to sustain human Ilfe. In-
tead , then , of carrying large volumes
f compressed air' in
' many heavy me-
lime receivers , a single receiver filled
with oxygen may be carried. This
makes possible an important economy
f weight and space.
One-third of the femaes : of France over
4 years o : age are farm laborers. ; .