2
Ijc hues, Ncu) Bloomftclir, flla.
Too Good Credit.
LET ME show you onoof'tlie clicap
cst pieces nf cloth I lmvo seen for
six months," Bnid ft smiling storekeeper to
a young mnrriod man, whupo incotno from
a clerkship wns in tho neighborhood of
soven hundred dollars.
"Don't troublo yourself, Mr. Edwards,"
replied the customer. " Tho silk aud
buttons are all I want."
" Oh, no troublo nt nil Mr. Jacobs; no
trouble nt all it is a pleasure for mo to
show my goods," said the storekeeper,
drawing from tho shelf tho piece of cloth
ho had mentioned, and throwing it upon
the counter. " There," he added, as he
unfolded tho glossy broadcloth and clap
ped his hand upon . it complacently ;
" thcro is somcthiug worth looking at,
and its cheap as dirt. Only four dollars
a yard, and worth six, every cent of it.
I bought it at auction yesterday, nt a
great bargnin."
" It's cheap enough, certainly," re
plied Jacobs, half indifferently, as ho
bent down to inspect the cloth ; " but I've
no money to spare just now."
" Don't wan't any money," replied
Edwards ; " at least not from such men
as you."
Jacobs looked up into tho mau's face
in some doubt as to his meaning.
" Your credit is good," said Edwards,
smiling.
"Credit ! I've no credit. I never ask
ed a man to trust me in my life," returned
the customer.
"I'll trust you to half that is in my
store," was answered.
" Thank you," said Jacobs, feeling a
little flattered by a complimont like this;
" but I've no want's iu tho dry goods
line to that extent. A skein of silk and
a dozen of buttons for my wife, are all
that I require nt present."
" You want a now coat," repliod tho
porsovcring storekeeper; aud ho laid his
hand upon tho sleeve of Jacob' coat nod
examined it closely. " This ono is get
ting rusty and threadbare. A man like
you should have some regard to his ap
pearance. Let mo see. Two yards of
this beautiful cloth will cost but eight
dollars, and I won't send in your bill for
six months. Eight dollars Aor a fine
broadcloth coat. Think of that ! bar
gains of this kind don't grow on every
tree."
While Edwards talked thus ho was
displaying the goods ho wished to sell in
a way to let the rich, glossy fturfaco catch
the best points of light, and his quick
eye told him that his customer was be
ginning to be tempted.
" I'll cut you oil' a coat pattern," 'Said
ho, taking up his yard-stick ; I know you
want it. Don't hesitato about the mat
ter." Jacobs did not say " no," although the
word was on his tongue. While ho yet
hesitated, the coat pattern was measured
off and severed from the piece.
" There it is," came in a satisfied, half
triumphant tone from the store keeper's
lips. " And tho greatest bargain you
ever heard. You will want trimmings, of
course."
As lie spoke ho turned to tho shelves
for padding, lining, silk, &c, nnd while
Jacobs, half-bewildered, stood looking on,
cut from one piece and another, until the
trimmings wore all nicely laid out. This
done Mr.' Edwards faced his customer
again, rubbing his hands from an inter
nal feeling of delight, and said :
" You must have a handsome vest to
go with this, of course."
' My vest it a little shabby," replied
Jaopbs, as he glanced downward at a gar
ment which had seen pretty fair servico.
" If that's the best oneyouhavo, it will
nover do to go with a new coat," said Ed
wards, in a decided tone. " Let mo show
you a beautiful piece of block satin."
And so tho storekeeper went on temp
ting his customer, until ho sold him a
vest and pantaloons in addition to the
coat. After that he found no difficulty
in selling him a silk dress for his wife.
Having indulged himself with an entire
new suit, he could not, upon reflection,
think of passing by his wifo, who had
been wishing for a new silk dress fur
more than six years."
" Can't you think of anything else 1"
inquired Edwards ; " I shall be happy to
supply whatever you want in my liue."
" Nothing more, I believe," answered
Jacobs, whose bill was already thirty-five
dollars, and ho had yet to pay for making
his coat, pantaloons and vest.
But you will want various articles of
dry goods. In a family there is some
thing called for every day. Tell Mrs.
Jacobs to send down for whatever she
may need ; never mind about the money;
your credit is good with me for any
amount.'' .
When Mr. Jacobs went home and told
his wife what he bad done, she, unrcfloo-
tinc woman, was delighted.
" I wish you bad . taken a piece of
muslin, said she; " we want sheets ana
pillow-casi badly.
11 You can get a piece," replied Jacobs;
' we wont have to pay for it now. Ed
wards will send the bill in at tho end of
six months, and it will be easy to pay it
then." .(."' S
" Ob, yes; easy enough," responded bis
wife, confidingly- .
Ho a nieca of muslin was ore-cured on
the oredit account is too often like a
breach in a canal ; tho stream is small nt
first, but soon increases to a ruinous cur
rent. Now that want had found sourco,
want became more clamorous than before.
Soarcely n day passed that Mr. and Mrs.
Jacobs did not order something from tho
store, not dreaming, simplo souls, that an
alarmingly heavy debt was accumulating
against them.
As to tho incomo of Mr. Jacob., it was
nut largo, lie was, as has been intimated
a clerk in a wholesale store, and received
a salary of seven hundred dollars a year.
Ilis family consirftod of a wife .and three
children, and ho found it necessary to bo
prudent in all his expenditures, in order
to " make both ends meet." Somewhat
independent in his feelings, ho had never
asked credit of any one with whom he
dealt, and no ono offering it, previous to
tho tempting inducement held out by Ed
wards, ho had regulated his out-goes by
his act u ;il income. By this means he
had managed to keep even with the world
though not to gain any advantages on tho
sido of fortuue. Let us sco how it was
with him nt tho end of six months, under
tho new system. Let us see if his " good
credit" has been of any real benefit to
him.
It was so very pleasant to have things
comfortable, or for a littlo display, with
out feeling that the indulgence drained
the purso too heavily. Aud weak vanity
on tho part of the Jacobs, was gratified
by the.llattcriug opinions of his honesty
entertained by Edwards, the storekeeper.
His credit was "good," and ho was proud
of the fact. But the day of reckoning
was approaching, and at last it came.
Notwithstanding the credit nt tho dry
goods store, there was no more money in
tlic young clerk's purse at the end of tlio
six months than at tlio beginning. Tho
cash that would have gone for clothing
when necessity called for' additions to tho
family wardrobe, had been spent for the
things, the purchaso of which would have
been omitted but for the fact that the
dollars were in the purse instead of iu the
storekeeper's hands and tempted needless
expenditure.
As the end of the six months' credit
period approached, the mind of Jacobs
began to rest upon tho dry-goods dealer's
bill, and to bo disturbed by a feeling of
anxiety. As to tho amount of this bill
ho was in some uncertainty; but ho
thought that it would not be less than
forty dollurs. That was a largo sum for
him to owo, particularly as ho had nothing
ahead, and his current expenses were ful
ly up to his income. It . was now for the
first time in his life, that Jacobs felt the
nightmare pressure of debt, and it seemed
at times as if it would almost Buffocate
him. ; .; . ', .
One evening ho eame homo, feeling
more sober than usual. Ho hud thought
of littlo all day besides his bill at tho
store. On meeting his wifo he saw that
something was wrong.
" What ails you, Jane?" said he, kind
ly. " Are you sick?"
" No," was the simplo reply. But her
eyes drooped as sho said it, and her hus
band saw that her lips slightly1 quiver
ed. .
" Something is wrong, Jano," said tho
husbaud.
Tears stole to tho wife's cheeks from
beneath her half-closed eyes the bosom
labored with the weight of some pressure.
"Tell mo, Jano," urged Jacobs, "if
anything is wrong 1 Your manners alarm
me. Aro any of tho children sick V
"Oh, no, no; nothing of that," was
quickly answered; "but but Mr. Ed
wards has sent in his bill." "' 1 '
" That was to be expected, of course,"
said Jacobs, with furccd calmness ; ' tho
credit was only for six, months. But how
much is tho bill!"'
His voico was .unsteady as ho asked
tho question. ,
" A hundred and twenty dollars." Aud
poor Mrs. Jacobs burst into tears.
" Impossible!" exclaimed the startled
husband ; " impoisiblo 1 There is some
mistake. ' A hundred and twenty dol
ars ? Never !" ' '
" Thcro is tho bill." And Mrs. Jacobs
drew it from her bosom..
Jacobs glanced eagerly at the footing-up
of figures. There were nuraorals to the
value of one hundred and twenty.
" it can t be, he said, in a troubled
voice. " h,dwaru has niado a mistake.
" So I thought when I first lookod at
tho bill," replied Mrs. Jacobs, recovering
herself, yet speaking in a Bad voice.
" But, I am sorry to say, that it is right.
I have been over it again, and cannot
find any error. Oh, dour ! now foolish
have been. It was so easy to get things
when no money hud to be paid down.
But I never thought of a bill like this;
never!"
Jacobs sat for some moments with his
eyes upon tho floor. He was thinking
rapidly.
' So much fur a good credit," be said
at length, taking a long breath. " What
a fool I have been! That cunning follow.
Edwards, has gone to the windward of
me completely, lie knew that u he got
me on his books, he would secure three
dollars to one of my money beyond what
be would get by the cash-down system.
One hundred nnd twenty dollars in six
months! Ah I me! Are we happier,
now, for the extra dry-goods we have pro
cured ? Not a whit. Our bodies have
been a little bettor clothed, aud our love
of display gratified to some extent. Bat
has all that wrought a compensation for
tho pain of this day of reckoning ?"
l'oor Mrs. Jacobs was silent. Sadly
was sho repenting of her part in tho folly
they had committed. .
Tea-time camo, but neither husband
nor wife could do much moro than taste
food. That bill for a huudecd and tweuty
dollars had taken away their appetites
Tho night that followed brought to
neither of them a very refreshing slumber
and in tho morning they awoko sobcr
miuded, and littlo inclined for conversa
tion. But ono thought was iu tho mind
of Jacobs tho bill of Edwards iind ono
feeling in tho mind of his wife self-reproach
for her part in the work of cui
barrassinont. . . ' ;.
" What will you do?" said Mis. Jacobs
iu a voico that was unsteady, looking into
her husbnnd's face with glittering eyes,
as she laid her hand upou his arm, caus
ing him to pauso as ho was leaving the
tho house.
"I'm sure I don't know," replied the
young man, gloomily. " I shall have to
sec Edwards, I suppose,' and nbk him to
wait. But I'm suro I rather tako a horse
whipping. Oood credit ! He'll sing a
different song now." Eor a womont or
two longer tho husband nnd wifo stood
looking at each other. Then ns each
sighed heavily, tho former turned nway
nnd left tho house. His road to business
was past tho store of Mr. Edwards ; but
now ho avoided tho Btrcct in which ho
lived, and went a wholo block out of his
way to do so. j ;
, " How am I to pay this bill ?" mur
mured tho unhappy Jacobs pausing iu his
work fur tho twentieth timo, as he sat ut
his desk, and giving his uiiud up to
troubled thoughts. Just at this moment
the senior partner iu tho establishment
camo up and stood besido him.
" Well, my young friend," said he,
kindly, " how are you getting along ?"
Jacobs tried to smile and look cheerful
as ho replied :
" l'retty well, sir." But his voice had
in it a touch of despondency.
" Let me seo," remarked tho employer
after a pauso j " your regular year is up
to-day, is it not?" ''
" Yes, sir," repliod Jacobs, his heart
sinking more heavily in his bosom, for
tho question suggested a discharge from
tho place business having boeh dull for
some time.
" 1 was looking at your account yes
terday," resumed tho employer, " and
find that it is drawn up close, llavo you
nothing ahead t". ,.
" Not a dollar, I am surry to say," re
plied Jacobs., " Living is expensive, and
I havo six mouths to feed." .
" That being tho case,", said tho em
ployer, " as you havo been faithful to us
und your services are valuablo, wo must
add something to your salary. You now
receive seven hundred dollars?"
" Yes, sir."
" Wo will call it eight hundred und
fifty."
A sudden light flushed into tho face of
the unhappy clerk j seeing which the em
ployer, already blessed in blessing another
added ; i
' Aud it shall bo for the lust us well
as for tho coming year. I will fill you
out a check for ono hundred and fifty
dollars as the bulanco duo you up to this
Tho feelings of Jacobs were too much
agitated to trust himself with orul thanks
as he received tho check, which the em
ployer immediately filled up; but his
countcuunce fully expressed his gratoful
emotions. i
A littlo whilo afterwards the youug
man entered tho store of Edwards, who
met him with a smiling face.
" I'vo oomo to scttlo your bill," said
Jacobs :
" You needn't havo troubled yourself
about that," replied tho storekeeper,
" though money is always acceptable."
Tho money was paid and tlio bill re
ceipted, when Edwards, rubbing his
hands, an action peculiar to him when
in a happy frame of mind, said :
"And now whut shall I show you?"
'' Nothing," was tho young man's grave
reply. !
"Nothing! don't say that," replied
Edwards "I'vo just got in a beautiful lot
of spring goods.
" I've no money to spare," answored
Jucobs. ' -
"That's of no consequouco. Your
crodit is good for any amount."
. " A world too good, I find," said Jacobs,
beginning to button up his coat with the
air of a man who had : lost his jweket
book, and feels disposed to look well that
his purse doesn't follow in the same un
profitable direction. . (. ; i ..
. " How so? What do you mean '!" asked
the storekeeper.
" My good crodit ban taken a hundred
and twenty dollars out of my pocket." re
plied Jacobs. ; . ,j
" I don't uuderstund you," said i Ed
wards, looking serious, ,
" It's a very plain case," auswerod
Jucobs. "This credit-account at your
store has induced myself and wife to
purchase twice as ninny goods as we
would otherwise have bought.
That has taken sixty dollurs out of my
pocket, and sixty dollurs more havo
been spent, under temptation, because
it was in the purse instead of being paid
out for goods credited to tis on yonr
books. Now do you understand me ?"
The storekeeper was silent. ' '
" Oood-uiorning, Mr. Edwards," -said
Jacobs. " When I havo cash to pparc, I
shall bo happy to spend it with you; but
no moro book accounts for mo."
Wise will they bo who profit by tho
experience of Mr. Jacobs. These credit
accounts nre a curso to pcoplo with mod
erate incomes, and should never, under
nny prctenco, bo opened.
Whore Fmnillinr Quotations Come
From.
T
111 15 RE is death in the pot, is from
tho Bible, 2 Kings iv. 40,
Lovely and pleasant in their lives, nnd
in death thoy are not divided, is spoken
of Saul and Jonathan, 2 Samuel i. 23.
A man after my own heart, 1 Samuel
xiii. 12.
Tho apple of his eye, Deut. xix. 21.
A still small voice, 1 Kings xix. 12.
Escaped with the skin of my teeth, Job
xix. 20.
Spreading himself like a green bay tree,
Psalms xxxvii. 85.
Hanged our harps upon the willow,
l'salm exxxvii. 2. ,
Riches certainly mnke (not take, ns it
is often quoted) tliemsolvcs . wings, Pro
verbs xxiii. 5.
Heap coals of fire upon his head, Ibid.
xxv. 22.
No new thing uudor tho Suu, Eeelesi
nstcs i. $).
Of making many books there is no
end. Ibid. vii. 12.
Peace, peace, where thcro is no peace,
made famous by Patrick Henry. Jer
emiah viii. 11.
My namo is Legion, Murk v. 9.
To kick against the pricks, Acts ix. 5.
Make a virtue of necessity',' Shak
spenrc's Two Gentleman of Verona. ' '
All is not gold that glitters, Merchant
of Venice. '
Screw your courage to the sticking
place, not point, Macbeth. 1
Muko assurance doubly sure, Ibid.
Hang out your banners upon tho out
ward walls, Ibid.
Keep the word of promise to our not
the car, but break it to our hope, Ibid.
It's an ill wind turns no good, usually
quoted, 'It's nn ill wind blows no ono any
good,' Thomas Tassor, IG.jO.
Look ore you .leap, . Iludibras, com
monly quoted ' Look before you leap.'
Out of mind as soon us out of sight,
usually quoted ' Out of sight out of mind,'
Lord Brooke.
:What though tho field bo lost, Milton.
Awake, arise, or bo forever fallen, Ibid.
Necessity, the tyrants plea, Ibid.
, Tho old man eloquent, Ibid. ' ' '
Peace hath her victories, Ibid. 1
Though this may bo play to you, 'tis
death to us, llogor l'Estrango, 1704.
All cry nnd no wool, not littlo wool
Iludibras. ' " 1
Count their chickens ore not before
they nre hatohod, Ibtd.
Through thick nnd thin, Drydcn. .
When Greek join Greek, then comes
tho tug of war; Nathaniel Lee, 1092.
Of two evils I liave chosen tho least,
.Prior.
ltichard is himself again, Colly Cibber.
A good hater, Johnson. ,
Ask mo no questions and I'll tell you
no fibs, Goldsmith. .- ;
.Not much tho worse for wear, not
nono tho worse, Cowpcr.
What will Mrs. Grundy say, Thomas
Morton. ., , .
No pent up Utica contracts our pow
er, Jonathan So wel.
Wise and masterly inactivity,' Mackin
tosh in 1795, though genorully attribu
ted to John lluudolph. '
First iu war, first iu peaco, and first
in tho hearts of his fellow citizens, -not
countryman resolutions presented to the
House of Representatives, December,
1700, prepurod by Geu. Henry Lee.
Millions for defence, but not one . cent
for tribute, Chus. C. Piuckney.
Soiling a bargain, is in Love's Labor
Lost. '..'..
Hell is ' paved with good intentions,
though found in Johnson und Hubert,
was obviously iu that day a proverbiul
expression. Walter Scott ascribes it to
some divino. ; .
Thore's a good time coming, is an ex
pression used by Sir Walter Scott in Bob
Koy, and bus doubtless for a lung time
been a familiar saying in Sootlund.
He that fights and runs away,
' May live to fight another day.
Those lines generally attributed to
Iludibras, are really much older. They
are to be found in a book published in
1000. Tho same idea, is, however, ex
pressed iu a couplet published iu 1542,
while one of tho fragments in Monander,
tho Greek writer, that havo been preserv
ed, embodies the samo idea in a single
lino. The couplet in Iludibras is :
For those that fly might fight nguin,
Which ho oan novcr do that's sluin.
Whistling girls uud tho crowing hen
Always conio to some bad end.
In one of tho curious Chinese books
recently translated und published in
Paris, tho proverb occurs in substantially
the same words. It is an injunction of
the Chinese Priesthood, and a carefully
observed household custom to kill imme
diately every hen that crows, ps a pre
ventive aguinst the misfortuno that the
circumstance is supposed to indicate.
The same practice prevails through many
portions of the United States. '
The Great External RornfinV
For Man and Boast.
IT WILL CURE RHEUMATISM '
Tho reputation of this preparation If o well cstub-'
lulled, Mint Itltla need beulil In tlill connection.
On MAX It ha never failed to euro PAINFUL
NERVOUS AFFKCTIOVg, CONTRACTING MPS.
CLKS, STIFFNESS AND PAINS IN TUB JOINTS
STITCHES InthoSIDEor Rack, SI-RAINS, BRUISES
HURNS, 8WKI.MNG9, CORNS and FROSTED FKEtI
Persons affected with UheumatUra can bo effectuslly
nd permanently cured by ualng tliis wonderful prepa
ration ; It penetrate! to the nerve and bone Immediately
on being applied.
On HORSES it will euro 8CRATOITFS, RWKEVET.
POLL-EVIL, FISTULA, OLD RUNNING SORK9
l".m'Ro,..COU'AR OAM.S, SPRAINED JOINT..
STII' FN EHS OF THE STIFLES, fte. It will prrwn
IIOLLOW IIORtf .nd WEAK 'BACK IV MILCH
I have met with ret saoceu In bringing my
Mixture within tlio reach of the ruhlio. I am dally In
receipt of letter! from Phyaiciana, Druggist!, Merchants
and farmer!, leitlfylnf to IU curative powon.
DAVID E. FOTJTZ, Solt Proprietor,
, BALTIMORE, Mo.
BANKING HOUSE
OF
Jay Cooko & Co., '
11! AND 114 SOUTH THIRD STREET,
Philadelphia, '
DEALERS IN ALL
...,', s
GOVERNMENT SECURITIES.
Oltl 5-20 Wimtcd
IN EXCHANGE FOR NEW.
I r
A LIIiEUAL DIFFERENCE ALLOWED..
Compound Interest Xofcs Wanted.
INTEREST ALLOWKD ON DEPOSITS. '
tCOLECTIONSmndc j STOCKS bought
uud aold on ComiuiuHion. .. u
IhSF" SPECIAL Imaiiicsn accommodations ro
Bervcd lor LADIES. B1U1
"ow I made It In 6 num. with HtiuiclR
sunipli'siiiiillt'dnee. A.J.n i.i.a
LAM.N.V.tfm
A GREAT OFFER,
HORACE WATERS,
Ab. ttSl 11 road way, JVc'w : X'ork,
"liriLLdlsposo of Onb Hundred Pianos, Me
VV LODKON8 a Mil OlMlANS, of six Hist uliiss mii-koi-8,
ImduilliiK Chickoriiiu & Sons, at exthemki.v
LOW I'KICEH KOIl C'ADII, HL'KINO THIS MOST1I, Or Will
take from 85 to &5 monthly until paid. 4 17 ly ft
. 1 ; . , , ;
HOMES FOll ALL,
... . . ,. IN T1IK . : j.-,.
land of Flowers nml rcrpctunl Growth.
FLORIDA.
rrii itniy or a.iiiiimi.
i'
IT IS not excelled In Climate hy any of the
United Stales, und it may b doubted whether
it ean be equaled In llin world.
located on tlio very bordeni of the Torrid Zouo.
still her situation between the (fulf of Mexico and
tlie Atlantic Ocean such that she is swept alter
nately by the winds of tlio Haiilei n and Western
seas, and relieved from the burning heats which
prevails In other Southern Mate ; and thus it
happens tlmt by the joint tnthience of latitude
and peculiar location, sho is relieved, on tlio one
hand, from the rigors of tlio Winter climate of tlio
Northern and Middle States, and on tiie oilier,
from the extreme heat with which not only the
Southern (States, but in the Hummer time the
Northern Wales are characterized.
Settlers hnvenot the hardships to tindergo that
have been the lot of the pioneers who opened up
and developed our harsh Northern latitudes. Tho
entire year in a periietual mamn of orowth, able
to produce aud send to market all the broductions
of (lie 'J'roilcnl and 'l?ii;errie Znnn vee.ki and
months iu advance of nml other lucaliti,ond at a
eamn when all mich prarttwtlona, are liuturlowi,
and commatvl the reru hiyhent prlcet ;
Tho Florida Improvement Company,
under tho avtnlceno) the State of Florida, projwse
to furnish lands of unllorm puod ijuutllu, and upou
which can be rained Veoetalkii, Vnrts, etc., com.
moil to the more Northern climates, and all tlio
Uk.uns, I'Tiiirrsand V'EOETAm.Esof the Titoi-ics.
Wucli telucteil lands, In tiie Healtuiebt part of
the State, and of the best quality.
The Company have Issued pamphlet Of 13ft
liases containing lull mid reliable Inhumation
coucei niiiK I'lokiiia Its Ci.imatb, Noil, and I'ko.
iicctionb, with a sketch of its Himtohy which the
Company will forward free of postuye, on receipt
of 26 cents.
For other Information or circular, address or
apply to
The Florida Improvement Co.
: -ir 1'AllK HOW, IV. Y.
NEW YORK AND FLORIDA COLONY.
Partially organized. For full Information cir
culars, etc., address EDWARD DELOUfcST, 8i
Nassau street, New York City. P. O. Box tSM
5oU ft
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