THE OMAIIA SUNDAY -BEE: MARCH 24. 1007.
BANK OPEN, TO CHILDREN
lew lark Trust Cempany Opens 5iw Dt-
pirtamit in Business.
IN FINANCE UNDER WAY
Xnmmtirrm Eaeorn-e4 la Habit
Tariff Majir ef These Show
Keen Insight lata Basl
m Methods.
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TEJV7 YORK, March 23. One of the
trust companies on Fifth avenue hu
rted a children's a-fount department
and In the comparatively short time that It
baa bean In existence the secretary of the
company announces that Its success more
A''n Justifies Its continuance. While not
pirely philanthropic In Its scope, there Was
fundamentally an educational Idea In Its
Inception.
"While this la so far as we know the first
banking house to start auch an Idea," mid
one of the officers, of the company, "the
common sense of It must be evident to the
most careless. As a commercial country,
the greatest n the world we cannr begin
too early to Instruct the children In regard
an Inch In stature."
The fact thst the trust company occupies
rather Imposing; quarters In Fifth avenue
docs not seem to a-t as a quietus on any
class of society, for among the patrons of
the children's depertment are a number of
newsboys, messengers, elevator boys and
othera who have not yet reached the dig
nlty of a rating among the millionaire.
Elevator Boy's Christmas Tins.
It la Interesting to notice the little details
of the account's. For example. Just after
Christmas day an elevator boy from one of
the big hotels nearby brought la a wad of
bills which he said represented tips and
Christmas presents. When they were
counted up It was discovered that he bad
the very handsome beginning of 170.
Just following him waa the young son of
a rich man. lie had 15 to begin the accu
mulation of a fortune of his own.
"A good many of the children have some
special ambition which they desire to ac-
compllah," the official went on. "One little
chap told me confidentially that he In
tended some day to be as rich aa his father
and another youngster brought In a dollar
to begin to save for an automobile.
"Still another, whose family owns a great
part of the real estate In a certain district
of Manhattan, began his account with
U deposit, saying that he was saving up
to buy him a farm.
"The ability to draw checks la a great
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ONE OB" THE LARGEST DEPOSITORS.
to, the value of money and the methods of
earing for It.
,"Whwi a rhIM nnArui an Account here the
tte. number of book, signature of child.
realdenoe. birthplace, names of father and
mother are entered on a card. We have
had one or two children come here who
were so young that they printed their
names on the' cards.
' "In addition to' the card there la a regu
uar pass book which must be shown when
a check Is presented for payment. On the
chock slip the only, thing to show that it Is
different from the regular grown up check
Is the notice at the top that the pass book
must be presented and a second notice that
It Is to be presented at the special deposit
department.
, Learned the Details Quickly.
"It Is curious to note how quickly a child
learns all the details. We have to give the
mothers a greut deal of credit for their care
Iri this direction.
"Just the other day a young boy came In
1 with his mother and made out the neces-
temptation to some of the children and we
are carrying what we might term very
active accounts for them, but that Is all
part of the Idea. Occasionally, though, you
will see one of the young depositors give
hack the check book and say frankly that
he does- not care for it but wants to keep
his money away from temptation.
Zeal Got Him Braises.
"Just after the first of the year we had
a very amusing experience. A small boy
came In with his head bandaged up and
other marks of Injuries.
"He mas quite willing to tell the story
of his life, and it turned out that In hurry
ing to get to ua to deposit his Christmas
presents before the first of the year he
had slipped and fallen on the stone steps
of his home and had hurt himself so seri
ously that he had been laid up for a week,
He told the story In a very manly, straight'
forward way, and when he got through
asked If we wouldn't take his money and
let it draw Interest Just the same. Of
course we did, and he went away tremen
deusly happy.
"Some of tho Interesting accounts are
those of young girls who are on an allow
ance. Every month they . bring In their
money, deposit it. and pay all their bills
with checks.
"It used to be the idea to keep a girl
aa far away from this phase of life aa pos
sible, and If she had an allowance It waa
usually Just enough for her bonbons and
pin money needs. With the knowledge of
banking methods the allowance of a girl Is
apt to grow in else, and at the present time
we have some young girls on the banking
books who draw checks for all their per
sonal needs, their clothes, entertainments,
schooling, private lessons; in fact, every
thlrg. Girl Rhonld Know.
"Personally. I think It a criminal thing
to keep a young girl Ignorant of the value
of money. A girl who has been brought
up to ask her father for everything she
wants, and who haa learned to consider tho
gift of money as something entirely de
pendent on his mood, starts life all wrong
and usually ends It In the same way, for
wrong teaching In regard to the care of
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WOMAN OF THE KTTCRE.
ary requisition blank. He anked with a
great deal of enthusiasm regarding the
time, when the Inter t would be due, and
when we had finished and handed out the
ptus book he tried to take It, but his ma
ternal relative wus too quirk for him and
In a moment It was in lur shopping bug.
"He looked at the book, then at her and
then at tfce bookev(ier. Finally he blurted
out:
" 'I'd like to know what good I'm going
to get out ef this as long aa she keeps the
book! It's worse than not having any
nuney at all!'
"Ills dignity as a man bad been asaatled
and when ha went out he was remonstrat
ing. The remonstrance apparently had
some effect, for the neit time he came he
came -alone, presented a check for pay
meat and seemed tibave grown about half
money, or rather, the lack of teaching, has
wrecked many a home. x
"On the contrary, the girl who haa started
at an early age to learn to keep her ac
counts unconsciouely absorbs a certain
seriousness f torn the business atmosphere.
I have saen many girls pome here and
laugh about tt as a fad for a moment and
end by becoming expert accountants, and
occasionally they drag the proud father
In to see them balance accounta, etc.
"An amusing story was told me the other
ay by the parent of a young girl and boy
who came in and opened accounts at the
same time.
"It seems that they were of entirely dif
ferent temperaments and the little girl had
from an. early age manifested rather an
vconoiuluai spirit, whluh showed Itself by
Opening
Ladies'
Fine
Wearing
Apparel
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Arc Cordially ( jg ! J
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- V V H
Tomorrow re,pUce on txl"'
v v ww bttion our very
large stocks of New Spring Wearing Apparel
for women.
We feel sure that you will not find a more
complete assemblage of Women's Choice Spring
Attire in this or any other Western city. -
We have searched the markets for months,
and our buyers have been alert and active in
their efforts to secure the newest and best of
everything. As a result we are now able to
show you a superb collection of Ladies' Spring
Garments.
We have many beautiful things, some that
are exquisitely beautiful; others are neat and
dainty, while others are smart and fetching.
Every garment in our entire exhibition is a
good one"' the best in its class.
These goods are direct from the home of
fashion; they embrace every new style and in
elude every new fabric
Turn where you will, you cannot duplicate
our styles, qualities or prices. You will enjoy
this magnificent exhibition.
We shall expect you Monday and all this
weeks
.AS
putting all her allowance that she could
possibly spare In a toy bank, to which were
added from time to time the presents given
by admiring relative. The boy, on the
contrary, blew In all his money and treated
his young companions, enjoyed an . occa
sional theater and otherwise took, a large
and manly view of life.
It was the custom of the family to draw
comparisons between them and to discourse
to the advantage of the girl on the probable
future of the two, economist and spendthrift.
Batler Hade a Difference.
One day a new butler that the family
had engaged with the Usual perfect refer
ences disappeared with more than his wagea
and kit, taking with him as mementoes of
his brief and glorious career not only the
stiver of the family . but ' the -little girl's
toy bank. Nothing was ever heard of the
absconding servant, and the young brother,-
aa young brothers will, lorded It over his
sister, telling her of the good times he had
enjoyed with his money and the. foolishness
of saving for such an end aa aha had found.
The consequence of the domestic up
heaval that ensued waa a determination on
the parents' part to foster tho spirit of the
girl and to Induce the boy by an appeal to
his pride to take the opportunity to restore
his fallen fortunes, depleted through his
desire to become a big man. "
That deelre really works both ways, for
the ambitious boy soon gets tired of spend
ing money when he see its result I have
noticed In Just the few months that we
have studied this question that while the
boy and girl start fair. Just as soon aa the
girl becomes a young woman vanity la apt
to overcome prudence.
There la a certain period In a girVe life
when her appearance meana" eveythlng and
she muat have pretty clothes.- things that
cost money. This Is usually the very time
when the boy begins to wake up to hla re
sponsibilities as a man and to put away the
childish things.
"We take sums aa low as 11. One day
last week we got a letter printed from a ,
little boy of 11 who enclosed 10 cents. We
felt very sorry to have to send It back.
but with It we sent a letter encouraging
htm and suggesting that Just aa soon ss
hlsv savings reached the dollar limit he
should communicate with ua again.
Boy oa His Om Feet.
Another Interesting story was told by
a young woman who brought a very keen-
faced little boy with her. He transacted
all the business himself while she sat and
watched. Bhe had recently started' herself
In business and on the eve of launching
out had asked her husband to explain
something about banking methods to her.
'He pooh-poohed the auggestlon and told
her that women could not be taught the
Intricacies of this profession and suggested
thst her safest way would be for him to
superintend her finances for awhile. Dut
he was busy when she needed him and
so, little by little, she acquired such a
complete understanding that aha discovered
one or two mistakes that the bank had
made.
"When she called attention at the bank
to them the officials told her that - there
was a new man or a yearly bousecleaotng
or something of that kind to account for
the errors, all of the reasons confessed
with masculine magnanimity. When she
told her husband of ber experience he said
It was Just like a woman to go around
looking for flaws la thluga and seemed to
think that the errors should have been al
lowed to pass unchallenged.
"The lltjle boy ' heard the various con
versations and shortly after announced his
Intention of opening a bank account for
himself where he would not be bothered
by a woman's lack of business experience,
a point of view that his father ..cartlly a p.
plauded.'
- Women and the Banks.
"The opening of the business world to
women has made a great deal of difference
In this question of banking. At the present
day In the middle class family the girl Is
brought up with the Idea of learning some
thing by which she can obtain a livelihood,
and consequently her parents realize that
A STATES RIGHTS DECISION
Privilege of Eminent Domain In Hen
tana Denied a Jersey
Corporation.
A company organizes: uncer the laws of
New Jersey for the purpose of creating
and transmitting power haa ' been denied
the. privilege of exercising the right ot
eminent domain In Montana by the supreme
court of the latter state. The company had
erected a dam across the Missouri and
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public or quasl-publlo uses can be derived
only from the state wherein the same la lo
cated; no state and no foreign authority
can grant this power to be exercised In
respect to land situated In another atate.
By implication any state could forbid the
construction of a canal, railroad or any
other road within its boundaries except by
companies organized under its own laws;
the. federal congress having delegated au
thority only 'to establish post roads.
The authority of the states over public
utilities conducted within their respective
boundaries is complete and undivided. A
state might. If . It choae. Isolate itself by
falling to construct and preventing the
construction of any roads whatever; and
the commerce clause of the federal consti
tution would not avail except to prevent
the -closing of navigation and the laying
of Imposts. No state would do anything so
foolish; but It seems worth while to revert
to first principles by way of countervailing
the extraordinary arguments of those who
would reduce the states to political nonenti
ties and thus who assert that the creature
of the New Jersey, the Delaware and other
legislative trust factories have the right oC
entry everywhere. Philadelphia Record.
Mast Be Filtered.
Roderick, the 3-year-old hopeful of a phy
stclan. had from the period of his earliest
understanding been Impressed that he
should never drink unflltered water. Ha
listened attentively to the Bible stnry
being told him where Mosea amote tha
rock and the water flowed out to quench,
the thirst of the Israelites, and interrupted,
hla narrator to ask gravely, "Waa It flh
teredT"
WOMEN CAN NEVBR UNDERSTAND BANKING METHODS.
the sooner she Is taught to take care of
money the better.
"This same rule holds good with ehe very
rich, especially In families where such
wealth Is to be Inherited that Its responsi
bility becomes a serious matter. The most
thrifty and economical people in the world
are the children of royalty. At the nursery
age they ' are 'taught to save and spend
wisely, preserving the golden ' lean be.
tween stinginess and. lavlshness, which Is
about the hardest problem the parent haa
to struggle with."
The Saturday morning depositors are an
Interesting spectacle. The boy In uniform
who opens the outer door Is Just as 'defer
ential to the . messenger as he Is to the
small, boy, who .alights under feminine
chaperonage from the auto.
Tha line la composed of children of all
ages and sizes and they are as Intent on
tbe msxter In hand as If they - were at a
theater. The wise parent or guardian alts
apart and allows, the little business man or
woman to transact his or her own affairs,
a self-restraint which Is usually rewarded
by a confidence en the subject Just as soon
as the matter has been accomplished.
endeavoring to secure v lands farther up
stream, which had been submerged by tha
Impounded water. Condemnation proceed
ings had been begun and a decision ren
dered in favor of the company; but, on
appeal being made, the supreme court held
that a foreign corporation was authorised
neither by the constitution nor tbe laws of
the state to exercise the right of eminent
domain.
Regardful of the far-reaching conse
quences of Its ruling, the' court limited the
application thereof to corporations of the
clans to which tbe one involved In the case
belonged ; thus water and power companies
not holding a charter from the atate
wherein they operated would come under
the rule, but a railroad, though organized
outride of Montana, ' might, nevertheless,
enter the state and condemn lands needed
for roadway and terminals. Tha right. In
deed, is expressly given to railway com
panies by the laws of most of the states to
extend Into and connect with existing lines
under their territorial Jurisdiction. The
Importance of the decision, however, le
that it. affirms the general rule that the
right to enter upon land and lake U for
DEATH IN THE AIR!
Pneumonia Prevalent, and Why It Is So Eaally Contracted
A Common Every-Day Dancer In Winter and 5priojc
It Can Be Prevented as Well as Cured by
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Unaer tbe Food aa4 Drur Act, Juae JO, 1906
Serial No. 1J3
It
changeable climate is the moot
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The proper way to guard against
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