Getting How N ;;S orm Money Their Work By JOnN M. OSKISON. Chicago BMU mmm^mmmmam■■ of a "money trust" in this country has been inspired largely H by the operations of "underwriting syndicates." H These groups of bankers have come to mean more and more in the financing of the country's industries. Their operations have enlarged at the same time that their co-operation with each other has become closer. Whatever may be thought of the morality of this method of financing the needs of our railroads and manufacturing enterprises, the reason for the growth of underwriting syndicates is plain. They represent the reser voirs of ready capital. To them flow thousands of'streams, big and little, of monev seeking safe investment. To them come tlie managers of busi ness requiring millions, and the managers come to them because it is the quickest, easiest, and (sometimes) cheapest place to get money. For in stance : New York's transit needs are pressing and great. Two extensive new systems of subwavs have been planned. 'I heir construction and equipment will cost nearly $400,000,000. After long discussion the city officials de cided that this sum should not be raised by the city itself, and so private bankers were asked to raise the money. The house of J. P. Morgan & Co. made an offer to finance one system calling for the expenditure within ri few years of $170,000,000. Bonds running for fifty years and bearing in terest at the rate of 5 per cent, are to be issued. J. P. Morgan & Co. are to pay the city SOSO for each SI,OOO bond. Because the loan would be too heavy for one house to carry, «T. P. Mor gan & Co. have asked other bankers to take a large part of the bonds for $960 each. A syndicate, agreeing to hold together fur five years, will lie formed, and its members will sell to investors the amount of bonds allotted to each as they are issued. Probably the prices received will represent a good profit for each. In no other way, say the hankers, could a project needing so much money get it promptlv and on such good terms. In no other way, they say, can the millions belonging to widely scattered investors find invest ment. Upon the hankers falls the duty of seeing that the loan is secure. A few failures to do this, they say, would dissolve the "money trust" quick* r than any moral action —and that view seems logical. Is Pity \V holly a Good Thing* ? I By FRANK CRANE, Chicago IIM I conceivauie excruciation. we are iiu* heirs of centuries of this kind of training. Sensitiveness to pain has become our chief mortal force. The history of civilization is the story of a long conflict with pain. We house the sick in hospitals and provide asylums for the unfortunate. Mankind's most boasted medical achievement is the discovery of anes thetics. Wo have societies for the prevention of cruelty to animals. Our mod ern theology has abolished the tires of the next world. We have even produced a sect thnt denies that there is any suffering in this world; like the Albany legislator who, disgusted with the crin»e of bigamy, determined to put a stop to it and introduced a bill: "Be it resolved, That the crime of bigamy be hereby abolished." Nappy thought! But I would like to put one little interrogation point: Is pain after all a bad thing? And is pit}' wholly a good thing? Queer Tangle in Many of Marriage Laws By MOORFIELD SiOkLY ~ Boston. Mass. —— husband and wife or parent and child, while, of course, the descent of property may be very much embarrassed by questions arising from the conflict of laws on this subject. There is a strong movement to promote an organization in the various states, and on some subjects this uniformity has been secured. I should be glad to see a strong public opinion organized, which will insist upon uniformity in the laws which regulate marriage and divorce, and I trust that any efforts made in this direction will be successful. Good Training For Business Is Ignored Br LEWIS MXON Former Ship Builtfer, New York " ""J fc"* nvcu uugin at ira" to know enough of the social, religious and political customs and the lan guage of the people with whom he may one day have to do business to whet his appetite for more. This is a business age. The average American school boy, after eight years In public school, doesn't know where the principal cities iu the United States are located. Perhaps the most marked trait of hu man nature in modern times, and that which distinguishes it most from human nature in ancient times, is pity. It was the main contents of the Chris tian religion for over a thousand years. Almost all medieval religion can he summed up in that one word, pity. The good works most emphasized consisted in giving alms to the poor. The walls of the old churches are covered with languishing saints. The sufferings of the martyrs were wrought into works of art in every conceivable excruciation. W'o are the I am very much interested, as every good citizen must be, in promoting the adoption of uniform laws on the subject of marriage and divorce throughout the United State3 The present situation is very dangerous, for persons who are legally married accord ing to the laws of one state may find that in another state their marriage is not recog nized, and the effect upon the status of children may be most disastrous. The consequence is that mistakes in this matter often fall Tipon persons who are en tirely innocent, and great confusion is likely to exist in regard to the delicate relation of As far as fitling our children for business is concerned, the public schools of the United States are far inferior to those of European coutries and far inferior to what they should be. They are particularly deficient in foreign language instruction. The systematic education of 5)0 per cent, of our public school children ends with their graduation. Commercial methods and foreign lan guages must be made part of the public school course. A boy or girl of fourteen ought at least WM.A.RADFORD.-^ Li 1 »'■ ---- ' . n.i ■ ■■■ -.•*==£• Mr. William A. Radford will answer Questions and give advice FREE OF COST on all subjects pertaining to tlie subject of building. for the readers of this paper. On account of his wide experience 119 Editor, Author and Manufacturer, he is. without doubt, the highest authority on all these subjects. Address all inquiries to William A. Radford. No. 17S West Jackson boulevard, Chicago, 111., and only encloM two-cent stomp for reply. Sometimes It Is necessary to build a house to fit a narrow lot. As a general thing lots are deep enough to hold almost any kind of a house. Few lots In American cities are less than one hundred feet, from front to back, but because of expensive street im provements they are often squeezed sideways until houses get to be very close neighbors. It Is unfortunate that It is so but we have to take conditions as we find them and make the best of it. Sometimes these nar row lots are In very desirable neigh borhoods, convenient for transporta tion and convenient for other reasons and by building a house to fit the lot such property may be made very com fortable and attractive. This design shows a house only eighteen feet wide, but the length is thirty-eight feet 6ix inches, exclusive of the front porch. Such a shape nec essarily requires that one room shall follow another, sometimes with a very long dark narrow hall, but this plan avoids that difficulty by putting a room at the back end of the hall and by connecting the kitchen with the dining-room by way of the pantry. Then the upper part of the house Is laid out with a bedroom In each end and a bathroom opposite the upper hallway in the center. This arrange ment requires that the bathroom shall be lighted by a dormer window, Ihe design of which is very neat and at tractive. It adds a great deal to the appearance of the house because it is ornamental as well as useful. Such attachments make up the difference between a common cheap looking house and a satisfactory, useful, orna mental habitation that is at once very pleasing and interesting. So-called cottage houses with one gable end towards the street are as common as house flies in the cheaper sections of some cities. You may count them by the hundreds and they are all practically alike; cheap tene ment looking affairs, each house try ing to look as near like its neighbor as possible, without any attempt at Individual ornamentation. The front yard is usually bare of grass and there is a broken board walk at the side. Generally such houses are boxed In with some kind of a wooden fence that shows signs of weather wear and the dilapidated breakage caused by children at play. A neat design like this costs very little more, but what a difference in FERN ROOM V^3P|F| PANTB VI 11 I DININOEU3M|! I \ PbJtCK K -| 112 ,l> Fir»t Floor Plan. appearance. The shape of the roof end the corresponding roof over tbe front porch with th« proper placing of windows make the difference in the outside appearance. The colors used in painting of course have a good deal to do with the final finish. A good combination of light shade of paint for the body with darker trim mings carefully chosen to properly match show to great advantage in the finish of one of these houses. It costs a little more when building a porch roof to give it so mucb pro .lection, but you have got to do some- | thing out of the ordinary or when the house is done' you are not satis- \ fled with It. Every house should be built with [ modern improvements whether the house Is large or small. More atten tion is being paid to bathrooms with hot and cold water connection than ever before. The time will soon come i when a'house won't rent or sell unless 1 it has what are generally termed mod ern improvements. I have known : small houses to rent for eight or ten dollars a month and I have known houses that cost very little more to | (KPCoom I 1 . J I>r.r EtooM ' | Second Floor Plan. ! rent for double that amount simply i because they were built attractively I and contained modern means of heat > \ ing and with plumbing connections I so the different members of the fam . |Uy could keep themselves clean, i ! a great deal depends on the plan i ias well as the convenience and the ■ i outside appearance. It is an art that ; I seems difficult to acquire, the build ■ i ing of small artistic, comfortable ■ ! houses, but it is an art well worth studying. » Such houses should be a great deal i more common than they are. It • i would prevent families who like to 1 live nicely from crowding into flat ' buildings where they have neither ! light nor sufficient air. This is an j other excuse for narrow lots. A flfty j foot lot would hold two such houses and make comfortable living quarters for two families instead of one. IN TENEMENTS OF CARACAS Portion of South American City That Has Witnessed Many Vicissitudes. • In the struggling, shabby out skirts of the old part of Caracas one may still trace the necessities of the strenuous days when a man's house had literally to be his castle, and no mere legal theory could protect it against the lack of physical invulner ability. One may still see the dishev eled angles of defense, the entrants and re-entrants, sometimes a notched wall, and occasional!.? an overhanging machicolation, through the floor of which hot oil, water or molten lead could be trickled on the heads of the invaders. Often there are loopholes, now plas tered up with sunbaked mud, while here and there the faded, stained walls show the gouging spatter of some bul let, the souvenir of a stray revolution or perhaps merely the remnant of some brief but conflicting love affair. The once gay red-tiled roofs are black ened and askew with age, and wisps of desiccated verdure sprout from be tween the cracks; ranks of shabby, rusty-black buzzards gather on the walls, scrutinizing in solemn vigilance the clattering slatterns about the patio well-curb, nursing their charcoal fires or beating clothes, while their plump and naked babies shuffle together con tentedly in the dirt. It Is the tene ment-house district, the \Vhlte-chai>el of Caracas. —Charles Johnson Post, in the Century Magazine. Between Girls. "Say, Mayme, I've got a new beau." "Is he handsome?" "Handsome? Say, Mayme, he's got a mustache that might have come out , of Oulda's novels." ONLY THING IS TO FIND HER Every Man Has an Affinity Somewhere on the Earth, Is a Law of Nature. Every man has a best girl waiting j ' for him somewhere in the world. The | | moment that he is born, the catalogue i clerk in Time's great factory assigns i him to a best girl or else puts him on I the waiting list. | There is no escaping your best girl. I No matter where she may be born or j how far apart from her you were when i you started, the inevitable attraction I will work your destiny, and when you j meet you will both know it. All that is lacking is the material ! realization, and inasmuch as all ideas j eventually find their way to the sur ! face, yours is bound to come. | Sometimes a man's best girl is home- I ly; sometimes her mouth is not a cupid's bow, and her features are lr j regular; that makes no difference; he j will love her just the same when he i meets her. Also, she may be nnother man's wife. Such things have been known. Here's hoping that it will not hap ] pen to you.—Life. BREAKING OUT ON HEAD 1306 Stafford Ave., Scranton, Pa. — ! "My boy took a breaking out first on his head and it spread all over his j face and was even in his eyes. It : started on his head like little blisters; i they filled with water and then a scab ! came until it spread all on one side of his face and head. It was on his neck and shoulder. He was crazy with itch | ing and we could not sleep at night | with him from scratching. I thought he would be blind in one eye. His eye j lid was pulled down. I put rags on i his hands to keep him from scratch ing. He would cry and kick all night. His hair came out gradually and his face was all disfigured. "I put everything I heard tell of on him but the child was no better so I j thought I would try Cuticura Soap and j Ointment. In three days I saw a change, so 1 kept on using them for four months until he was entirely i cured. He has no marks now and his hair is lovely." (Signed) Mrs. Henry Allen. Apr. 20, 1912, Cuticura Soap and Ointment sold throughout the world. Sample of each free, with 32-p. Skin Hook. Address post-card "Cuticura, Dept. L, Boston." Proof. Drummer (In wine) —Have you , tasted that sample of wine I left with j you. madame? Madame —No, I haven't, but I don't think it can be any great shakes, for : it's been here three days and the servants have barely touched it. —I'ele i Mele. . Cause of His Plight. Mrs. Henham —Did you ever have i more money than you knew what to i do with? Henham —I don't remember it, but I must have had. or I wouldn't have got married. —Capitols Capital. Important to Mothers Examine carefully every bottle of CASTORIA, a safe and sure remedy for Infants and children, and see that it Signature In Use For Over 30 Years. Children Cry for Fletcher's Castoria Terms of the Game. He—Dearest, you're the goal of my affections. She (removing his arm) —Five yards i for holding.—Harvard Lampoon. To remove nicotine from the teeth, disinfect the mouth and purify the breath after smoking, Paxtine is a boon to all. At druggists, 25c a box ! or sent postpaid on receipt of price by j The Paxton Toilet Co., Hoston, Mass. The florist says palms come in 1 handy. __ _ - - - 4 jjgjj To Fortune and Happy Life rr" in California Messrs. J. S. & VV. S. Kulin, tlie Pittsburgh hankers, are • doing in the Sacramento Valley what the U. S. Government - is doing elsewhere for the people. There 13 ten times more net profit per acre in California g3teMsE§ irrigated land than in the East and with less labor. Let us take you where there is comfort and happiness besides profit, climate equal to that of Southern Italy, fflipfVZZ- no frosts nor snow, no thunderstorms nor sunstrokes. jOgfenß Let us take you where big money is noiv being made, BPi&tll jMpPPj markets are near, demand for products great and income BEfJgjH *-et u ' ta ' cc y°" "'here railroad and river transportation W' [, j is near, where there are denominational churches and j^gl§pß Noiu is the time to buy this land —get in with the winners, ji jFv , ' >e K reat Panama Canal will soon be ready and y me a bottle of Lydia E. Pinkham's Veg etable Compound and I commenced to take it. By the time I had taken the seventh bottle my health had returned and I began doing my washing and was a well woman. Atone time for three weeks I did all the work for eighteen boarders with no signs of my old trouble return ing. Many have taken your medicine 1 after seeing what it did for me. I would 1 not take SIOOO and be where I was. You have my permission to use my name if it will aid anyone. "—Mrs. SUSIE TEM ' PLETON, Hooper, Nebraska. ThePinkham record is a proud and peer ' less one. It is a record of constant vic tory over the obstinate ills of woman—ills • that deal out despair. 112 It is an established V\| <3 O fact that Lydia E. Jjj/ ,&* , \ Pinkham's Veget a- S/ ble Compound has re- fj 1j stored health to thou- 11 ¥ I sands of such suffer- fjA ing women. Why \Vj\ 1 don'tyou try itif you J needsuch a medicine? r Constipation Forever 112 Prompt Relief —Permanent Cure . CARTER S LITTLE I LIVER PILLS never fail. Purely vegeta „ ble act surely ar>Tcn'fT but gently on the liver. JgKSj,v&P S JTLt Stop after AZ&BSsT 9 IVER , d uner dis- S « S ~ 1 tress—cure improve the complexion, brighten the eyes. 1 SMALL PILL, SMALL DOSE, SMALL PRICE, Genuine must bear Signature A WONDERFUL DISCOVERY. In this HK'c of research and experiment. all nniiira j Is ram acked by the scientific fort he comfort and hap pinessof man. Science has indeed made giant si rides In the past century, uml among »ii • '.> no means t least 1 mportunt —discoveries in m«dicine is thai of 1 Theranion. w Inch has been used null great success in a French Hospmiis and tliat it is worthy tin* attention ot those who suffer from l.idney, bladder. nervous diseases, chronic *eaknesse- ulcers, skin erui tions, piles, Ac., there is no doubt. In fact it simisevident irom the hig stir created amongst specialists, that TKERAPiON Is destined to east int. oblivion all those questional)!" remedies that were formerly tiio 112 sole reliance of medical men. It is of cm:rw impos _ bible to tell sufferers ail we should like to tell them r in this short article, but tho e who world lie to t know more about this remedy that has effected so many—wo micht almost sav, mlracrVns cries 112 should s.-nd addressed envelope for KUI K hook to Dr.Leilerc Med.< 0.. II iverstock Road, li.itupMend, l■ 1- !••:.. H K. U;F!V "THERAPION" NO 1 No or No. Bis what they require and ha\e been seeking In vain during a life of misery, suffering, iII health % nnd unhnppiness. The rani on >s sold hv dri'iim'ts or 4 mail lI.UU. Fougero Co., iH) Heckman M New York. DAISY FLY KILLER »'£,? p-jp m X B-iiiOLD SOilfcHb, 150 D«£alb Av».. Brooklyn. N. Y. J EfiRW MONEY NUnSoJu riIILADKLIMIIA bCUOUL 1"»U v I li>l'> 2?.»7 ('hotuui Mreet Philadelphia, Pa. 1 W. N. U., NEW YORK, NO. 31-1912.