—, I
MAKE Prudent Man
C3XI ADT Begins With
l3 Jl AK J. Savings Bank
By JOHN M. OSKISON
FOK the average man, as the Business Almanac points out, all ]
investment starts with the savings bank. A few men make money !
suddenly or inherit a considerable amount and become sudden
investors. The rule is that a man must be a saver of money for
i considerable time before he becomes a buyer of securities. So the first
and most vital question is, "What shall I do with my small savings?"
There are more than forty forms of co-operative, mutual benefit, sav
ings and other similar associations in the United States. They are organ- ;
zed to take care of savings in any amount from the smallest to the great- i
est sums. Man}- of them are excellently managed, honest in intent and ;
are worthy of encouragement. Some are properly looked upon with sus- j
pieion.
Most generally used, of course, are the savings banks. They have i
been tried by lire. Speaking generally, they are the most secure financial :
institutions we have. Our states have wisely regulated their operations— j
most of them have. Massachusetts, Connecticut and New York have done j
best. Ohio has a good law. Less protection for the savings bank depos- j
iter is offered in the south and west than is judged wise to furnish in the i
\ist. Here are some of the prohibitions the Xew York law puts upon its J
savings institutions:
They cannot loan money on notes, drafts, bills of exchange or any !
oersonal securities whatever.
They cannot buy stocks.
They cannot buy bonds or other forms of security issued by any 1
industrial, manufacturing or street railway company.
They cannot buy or loan money on farm lands nor on mortgages i
outside of New York state.
They cannot buy bonds which arc not, at least in part, first mortgages j
DU the property bonded.
They cannot buy real estate bonds or mortgages until after a commit- i
tee of the bank's trustees makes a thorough examination of the property i
j!i which the bonds or mortgages are to be placed.
All of these restrictions are salutary. They indicate some of the
•ifeguards a prudent man ought to throw around his savings and also
the tests he ought to make of his investment selections.
Possible
for Man
to Live
Without
Salt
By R. N. Bl INN, M. D.. Chicago
they devour it in astonishing quantities, and hunters have long taken ad- 1
\antnge of the fact that wild animals will return to the salt lick. But
when there is no such spot known to them they live their whole lives I
without it.
Of the use of salt for seasoning and preserving their food the Xorth
American Indians knew absolutely nothing, yet all authorities agree they |
were a particularly healthy people, until they were afflicted by the white
man's vices and the white man's diseases.
It is true there are some accounts to the effect that their medicine
men had noted the action of animals above referred to and administered
salt to their patients, and they may thus have benefited individual cases, j
But as a race they were a meat-eating people, without salt, and yet a
healthy people.
Furthermore, ffhite men who went among them and lived as they
lived scarcely missed the salt after they became used to its absence.
; Stop
1 Cruelty
I to Poor
Working
Girls
By NARIC J. MORtIIAM, Boslon
their bodies. I know positively that many giris are nervous wrecks after
doing this kind of work for some time.
They have Sunday evenings and Thursday afternoon to themselves,
but most of them are too tired to enjoy their few hours.
In no other country are the girls forced to work so fast or to do so
much in so shc,rt a time as here.
Stop this cruelty and the girls will not goto the factories or be will* 1
ing to marry lazy men, drunkards and gamblers.
EZZZZ ' I ■■■■«! a
\ Teachers
Must Be
Taught
Their
Business
Lfiy DR. WILLIAM OSWALD.
Director of Schools, Leipzig, Germany
- 1
able to impart a definite knowledge of the
elementary principles of chemistry to a class. The school of the future
must aim at conferring on the pupil the maximum of happiness. In hap
piness only is there real growth.
The educational system proceeds now upon the old medical theorv
that the more unpleasant a medicine tastes the better it worko.
Upon the authority of a Chicago phy
sician it was recently asserted that to de
prive the human race of salt for even a few
months would have a disastrous effect upon
the health of the people. This, I believe, j
has always been the teaching of our text- j
books, and I am not prepared to dispute its
truth, in so far as civilized man is con
cerned.
There are, however, upon this earth
many animals, wild or domestic, which get |
little or no salt and yet are healthy. True, i
they have a craving for it, as is shown by j
the fact that when given the opportunity j
The other day it was suggested again
that instead of going into factories women j
and girls should turn more generally to j
housework. The suggestion is all right, but |
there is a big field for improvement in the j
life of the average woman who does house
work for others, and the leading American j
women could do lots of good for their sex !
by introducing a better plan for the poor
girls who do the housework.
At the present time and for as long as
I can recollect girls have had to work from
6:00 a. in.to 8:00 or 0:00 p. m., without )
time to eat properly or to take care of j
Pedagogy is tlie most neglected of all |
sciences. Before there are good pupils 1
there must be good teachers. If a school
system turns out inetlicient, stupid gradu- :
ates and that same system is responsible '
for the turning out of the teachers—how j
can the latter be anything except stupid !
and inellicient ? The pedagogues teach the
pupils—but who teaches the pedagogues?
It is all a vicious circle.
The teaching faculty is a distinct fac
ulty. A man may know all there is to
know about chemistry, snv, and vet not be
■jg
! Mr. William A. Radford will answer
Huesttous and give advice FREE OF
I COST on ail subjects pertaining to the
i subject of building, for the readers of this
) paper. On account of his wide experience
1 us Editor, Author and Manufacturer, he
l Is, without doubt, the highest authority
| on all these subjects. Address all Inquiries
|to William A. Radford, No. ITS West
I Jackson boulevard, Chicago, 111., and only
I enclose two-cent stamp for reply.
j It Is generally conceded that the
j employment of concrete in construe*
j lion has added a marked impetus to
! architectural study in recent years,
i especially in that branch of it relating
! to home architecture. The pliability
lof cement plaster makes it readily
: adaptable to any form the architect
may evolve. In many parts of the
| country architects are applying them*
j selves to this subject, and beautiful
' effects have been produced. Charles
ID. Watson has been giving much
I study to the problems connected with
home architecture. He says:
Progress in concrete construction
has recently been notable along the
j lines of improvements in its appear
ance, to enable it to be used for face
work in the higher class of buildings
i where good architectural effect is es- j
: sential. For many years the unsat
; isfactory appearance 01 structures
i built of this material has prohibited
its use for facing of high class struc
tures, and this difficulty in the use of
a material which is otherwise supe- j
rior to the majority of other materi
als used for a similar purpose, on ac
count of its durability, has long been
lamented by architects and engineers
It is only In the past few years that j
much progress has been made in do- '
vising means for an improvement in
its appearance and to do away with j
the objections. Cement surfaced !
houses depend upon two factors for
I their artistic effect. First, design;
second, execution. liy far the more
! important of the two factors is that
I of design, which comes entirely with- j
: in the jurisdiction of the architect. |
j while the execution depends upon the |
' builder. To produce the best results,
therefore, we must have co-operation
between the architect and the builder.
One of the most acceptable forms
in which cement is employed in home
construction, as well as the most eco- j
I
I i , ~^
nomlcal, is its use for the exterior
coating over lath. Color effects can
be produced to harmonize with any 1
desired tint of the wooden trim, by
the addition of mineral coloring mat
ter to the cement before it is mixed.
Then the surface may be either trow
eled smooth or may be given a rough
pebble dash finish.
The design of the house here
shown Is typical of the style we men
tion. This house would have a high
ly artistic appearance finished with a
I —"PS
LZJN
HNXNI-N J
XJVI.VQ DOOM I K«| V LJsLh|
LJsL h|
\
RJBCM
First Floor Plan
coat of dark gray cement in which a
small percentage of lamp black has |
been introduced. With the porch, the j
bay window and the window frames I
painted white it would be most at- j
tractive. It will be noted that the
porch of this house is included under
the roof of the main structure. 'I his
gives a compact appearance and an
effect of coziness. This residence is
of a design admirably adapted either
to suburban or country location on a
large lot where there will be ample
room for trees, shrubbery and a for
mal garden. Those are factors that
should be taken into consideration in
building a residence. It Is a fine thing
to have windows In a house and a
still finer thing to have something to |
look at out of the windows.
This house has a width of twenty 1
eight feet six inches, and a length of !
twenty-eight feet six inches, exclusive !
of porches. Entrance is had directly 1 !
to the living-room, which is seventeen' j
by fifteen feet in size. The ceiling of j j
this room may be paneled at the pleas- j
ure of the owner. The exposed side !
Etr-v)ooM
Second Floor Plan
of tills room has a bay effect, and In
j one corner is a large fireplace. The
j dining-room, immediately back of the
| living room, is fourteen by twelve feet j
in dimensions. The kitchen and pan
try are conveniently arranged. The
kitchen and pantry are conveniently i
j arranged. The stairway leading to the
| second floor has provision also for a
I hall tree, as will be noticed. A hall on
j the second floor leads through the en
tire building, and with windows at
each end provides for plenty of cool
air on hot summer nights. There are
two chambers, each fourteen feet by -
seventeen feet six inches in dimen
| sions. The bathroom is placed at one
side in the central part ot the struc
ture and is convenient to both bed
' rooms. It will be noticed that the
space over the porch has been util
ized for closet room and for storage
purposes.
TROUBLES OF SMALL BOYS
Teachers' Proper Desire to Inculcate
Cleanliness Has Not Always
Smooth Sailing.
In the model school in the 1 A—
which is next to the kindergarten, as
every one knows who hasn't forgotten
—every day there is appointed a tidy
angel. The one whose shoes are the
shiniest, hair the smoothest and hands
most immaculate plays the role. He
walks around, inspects evety child and
touches the ones that are "fit," and
they immediately stand. All second
class angels—those who haven't been
"touched"—are. of course, in disgrace.
Sometimes the "angel" isn't as angelic
as his name implies. Should he want
to "get square" with one of the boys
he doesn't "touch." teacher has to
come 10 the rescue to save some hair
pulling.
The poor boys have their own j
troubles, too. One lad who comes i
from a shiftless home had never been
an "angel." Once teacher spied him ;
back of the room spitting on and rub
bing his shoes with his cap. That day
he was "tidy angel." Going through
her son's suit one day a mother found I
a pocket and handkerchief soaking, i
Suspecting his drinking cup had been |
put to misuse, a trouncing was in
store. The explanation: School be
ing so far away, little boy had to take
lunch. He wanted to be "touched."
He found a place to wash up, and in
lieu of a towel used his hanky. Little
lad's troubled look vanished when he
got a hug instead of the hickory
stick.—New Vork Press.
Small Things That Count.
I.i the race of life a foot ahead wins
the race; a pin turns the scale.
MUMTIONAL !
SONMFSCHOOL
LESSON
(By E. O. SELLERS, Director of Eve
ning Department. The Moody Bible
Institute of Chicago.)
LESSON FOR JULY 28
THE WHEAT AND THE TARES.
LESSON TEXT—Matthew 13:24-30: 36-43. i
GOLDEN TENT—"Gather up tlrst the j
tares, and bind them In bundles to burn |
j them: but gather the wheat Into my j
J barn." Matt. 13:20.
J The thirteenth chapter of Mat- i
! thew's gospel is the great kingdom j
j chapter of the Bible. Seven parables (
In this chapter give us each of seven j
' aspects or applications of the princi
i pies of the kingdom. In this lesson
, we are taught the mixed character of
' the kingdom and also of the ultimate ■
separation of two classes of which it
!Is composed. "A man,"v. 24, goes
j out to sow good seed in his field. This
| man we are told in v. 37, is the Son
of Man, and elsewhere that the field ;
Is the world, the hearts of men. Then
followed the propagating stage, that
i period over which man has no con
, trol. During this period while men
ate and slept awaiting the time for
i cultivation and of harvest, the enemy
of men's souls came and sowed tares,
the common darnel which so closely
resembles wheat In its earliest stages.
After this propagating period had
passed the man and his servants went
out one day to find -in their field evi
dence that another had also sown
j seed. The test of every life is the
fruit produced. During these earlier
stages the tares had looked so nearly
like the wheat as not to be readily
distinguished, but now that the har
vest time approaches the difference is
al! too evident. It is significant from
this parable that no blame is laid
upon the servants that they should
have allowea the two to grow up dur
ing this first stage. Surprise, anger
and disappointment stirred the hearts
of the servants when they discovered
the mixed character of the approach
ing harvest. The master, however,
clears them of all blame, for, said he, j
j "Our enemy hath done this." Not an
enemy, as the King James version has
it. Satan is übiquitous, but the Son j
of God is greater than he, see I. Petei
3; 99.
Parables He Taught.
If the servants had sought to up
root the tares they would in all likely
hood have done more damage than
good, though this does not imply any i
: conflict with Jesus' words as found in
Matthew 5:29, 30. The seed had the j
same environment and in God's good
time the separation should take place,
bo "let both grow together" until both
he fully developed. Then he will say
to the reapers, gather first the tares ;
and burn them, but gather t) t wheat
into my barn. Notice the tares did
not evolve into wheat. Like begets
like. Gather into bundles is the
command. If we sin together, we must j
expect to suffer together. The wheat
was ripe for full salvation, blessing !
and a further usefulness, while the
tares were ripe only for destruction.
After teaching these parables, of j
which this is but one, Jesus sent the j
multitude away and more fully and
completely taught his disciples the
Inner meaning of this parable. The j
field is the world, and if we ask we
shall have the heathen for our inherit
ance and the uttermost part of the j
world as a possession (Ps. 2:8). The;
good seed are the sons of the king- J
dom, but the tares are the sous (chil- j
dren) of the evil one. Doth the sons
of the good and the sons of the bad
grow from, and develop out of seed,
the sons of the kingdom from the
good seed.
We must remember the three les- j
sons we have been studying. The 1
first concerned the nature of the seed I
and the soil; the second deals with j
the mystery of the growth and devel- |
opment of the kingdom, whereas this ;
lesson has to do with the mixed.
World the Field.
As the Psalmist puts it (1:5), "The
angodly shall not stand in the judg-1
ment, e.g., has no standing, nor sin- j
ners (abide) in the congregation of
the righteous." It is not our place j
to gather the tares into bundles. God !
will send forth reapers (v. 30) p.nd his !
reapers are the angels (v. 39). The I
fact is we are here warned against !
useless or profitless activity. Ours is
to sow the right seed and then stand j
back and let God work. We are not
even responsible for any process of
separation, for God will take care of j
his own and in his own time will
send forth his reapers who will do
what we would make sorry work
of attempting to do. How often j
wo see men zealously attempting the j
separation process during the pro pa- !
gating and developing period, only to
uproot the wheat with the darnel, j
Evil, we are clearly shown, will not i
gradually disappear from the world, j
but on the contrary it will grow, de- j
velop and bear along beside the wheat j
until "the harvest." After the harvest I
it will be all too clear which ia good j
and which is bad. The language of
Jesus is graphic—"cast and fling" ex
press indignation and contempt: "fur
nace of fire" denotes the fierceness of
the torment of punishment, and the
"gnashing of teeth" and the "wailing"
is a terrible picture of anguish and
despair. As against this, he tells us
that the righteous 6hall shine forth
fre« from all cloud or shadow.
I SPLENDID OUTLOOK
FOR CROPS IN
WESTERN CANADA
RELIABLE INFORMATION FROM
THE GRAIN FIELDS SHOW
THAT THE PROSPECTS
ARE GOOD.
This la the time of year when con
! slderable anxiety ia felt In all th»
| northern agricultural districts as to
| the probable outcome of the growing
| crops. Central Canada, comprising
j the Provinces of Manitoba, Sas
| katchewan and Alberta, with their
j 16,000,000 acres of wheat, oats, bar
j ley and flax, of whlcli 6,000,000
| acres may be said to be sown to
j wheat alone, has become a great fac
j tor in the grain markets of the world.
| Besides this, government returns
i show that every state In the Union
! has representatives in these prov
| inces, and naturally the friends of
these representatives are anxious to
! hear of their success. It baa never
! been said of that country that it ia
{ absolutely faultless. There are, and
have been, districts that have experi
j enced the vagaries of the weather,
the same as in districts south of tha
! boundary line between the two coun
) tries, but these are only such as ara
j to be expected in any agricultural
i country. The past has proven that
the agricultural possibilities of this
j portion of Canada are probably mora
i attractive In every way than most
countries where grain raising ia tha
chief industry. The present year
promises to be even better than past
years, and in a month or six weeks
it is felt there will be produced tha
evidence that warrants the enthusi
asm of the present. Then these great
: broad acres will have the ripened
wheat, oats, barley and flax, and tha
farmer, who has been looking forward
to making his last payment on his
, big farm will be satisfied. At the time
of writing, all crops give the prom
ise of reaching the most sanguine ex
lactations.
In the central portion of Alberta,
it ia said that crop conditions are
; more favorable than in any previous
year. Heavy rains recently visited
this part, and the whole of this grain
growing section has been covered. Re
ports like the following come froir
a»l parts:
"Splendid heavy rain yesterday.
| Crops forging ahead. Great prospects.
All grains more than a week ahead
of last year. Weather warm last
\ week. Good rains last night."
From southern Alberta the reports
| to hand indicate sufficient rain. Crops
in excellent condition. Labor scarce.
Throughout Saskatchewan all grains
are looking well, and there has been
sufficient rain to carry them through
j to harvest.
From all portions of Manitoba
i there coines an assurance of an
I abundant yield of all grains. Through
out southern Manitoba, where rain
was needed a few weeks ago, thera
has lately been abundant precipita
tion, and that portion of the province
will in all probability have a crop to
equal the best anticipations. A large
i quantity of grain was sown on tha
stubble in the newer west, which ia
j never a satisfactory method of farm
| ing, and may reduce the general av
j erage.
Taken altogether, the country ia
now fully two weeks in advance of
last year, and in all grains the acre
' ages sown are much larger than in
I 1911. This means that with aus
picious weather the west will have
the grandest harvest in its history.
| Two hundred and fifty million busheU
| of wheat has been mentioned as an
i estimate of the present growing crop.
and it looks now as if that guess will
: be none too large.
Misinterpreted.
William Shaw, the secretary of tha
famous Christian Endeavor society,
j said in a witty after-dinner address in
I Boston:
"There is a little Back Bay girl who
|is much interested in her auntie's
| Christian Endeavor work. The little
| girl was writing a letter to her broth
j er at Yale one day, and in the midst
I of the epistle she looked up and said
"'Auntie, how do you spell devil?"
"'Devil!' cried her aunt, with a
j shocked sfile. 'Why. child, don't you
I know you mustn't use such a word as
i devil?'
j " 'But, auntie,' protested the little
I girl, 'I want to tell brother about your
i Christian and devil meetings?'"
To Protect the Flowers.
Edelweiss and other characteristic
j Swiss flowers are said to be in dan
| ger of total extinction because of tha
! craze of tourists for collecting them.
I Women tourists especially are always
| anxious to take away souvenirs in
j the way of a plant, and do not simply
j pull the flowers, but dig up the plant,
i It is proposed to introduce a law that
i will prevent the buying, selling or dig
| ging of edelweiss, fire lily, Siberian
| spring crocus. Alpine columbine, tha
' Daphne. Alpine violet or other na
! tional flower.
Tha Paxton Toilet Co. of Boston,
| Mass., will send a large trial box of
■ I'axtine Antiseptic, a delightful cleans
ing and germicidal toilet preparation,
to any woman, free, upon request.
Advantage.
Stella —Has that summer resort an*
views ?
Bella —Er —no, but It is close to the
moonlight.
Miy*. Winslow's Soothing Syrup for ChlMrcn
teething, softens the {rums, reduces tnflamma
tlou, allays pain, <*urcs wind colic, S!sc a bottle.
Many a girl strives to make a name
for herself rather than attempt to
make a loaf of broai.