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The Philosophy of Fra Elbertus.

I believe in the Motherhood of God.

I believe in the blessed Trinity of Father, Mother and Child.

I believe that God is here, and that we are as near him now as ever we shall be. I do not believe he started this world a-going and went away and left it to run itself.

I believe in the sacredness of the human body, this transient dwelling place of a living soul, and so I deem it the duty of every man and every woman to keep his or her body beautiful through right thinking and right living

I believe that the love of man for woman, and the love of woman for man, is holy; and that this love in all its promptings is as much an emanation of the Divine Spirit as man's love for God, or the most daring hazards of the human mind.

I believe in salvation through economic, social and spiritual freedom.

I believe John Ruskin, William Morris, Henry Thoreau, Walt Whitman and Leo Tolstoy to be Prophets of God, who should rank in mental reach and spiritual insight with Elijah, Hosea, Ezekiel and Isaiah.

I believe that men are inspired to-day as much as ever men were.

I believe we are now living in Eternity as

much as ever we shall.

I believe that the best way to prepare for a Future Life is to be kind, live one day at a time, and do the work you can do the best, doing it as well as you can.

I believe there is no devil but fear.

I believe that no one can harm you but yourself.

I believe that we are all sons of God, and it doth not yet appear what we shall be. I believe the only way we

can reach the Kingdom of Heaven is to have the Kingdom of Heaven in our hearts.

I believe in freedom-social, economic, domestic, political, mental, spiritual.

I believe in every man minding his own business.

I believe in sunshine, fresh air, friendship, calm sleep, beautiful thoughts.

I believe in the paradox of success through failure.

I believe in the purifying process of sorrow, and I believe that death is a manifestation of life.

I believe the Universe is planned for good.

I believe it is possible that I shall make other creeds, and change this one, or add to it, from time to time, as new light may come to me.

Cumulative Value.

Character Vs. Quantity. The cumulative value of advertising is as Many advertisers seem to work on the theory effective as the stream of water which wash- that, no matter what style or character their es away the rock. We may read the ad in a "literature” may have, if they send it out often favorite monthly publication, and forget it. enough, and keep everlastingly at it, it is bound We may read it again a few days later in to bring results. Maybe it will—but it's a another and perhaps retain some lingering pretty good bet that Mr. Advertiser will either memory of the proposition. A third time our get tired or die before his "system" has a chance attention is attracted and our interest devel- to prove itself. ops to much larger proportions. The fourth It is a generally understood fact that drops of attack is indefensible and we succumb. That water will wear away the hardest stone; but is the result of strong, liberal advertising, what if these drops of water could be changed whose cumulative principle applies with into pellets of steel? We might cut the time equal force in all classes of legitimate publica- down a century or two. Or, still better, suptions. It is not good judgment to experiment pose a diamond-pointed drill is substituted. The with one medium, but try several of the best work of centuries is made a matter of a few if the appropriation will permit, and if not it minutes. might be well to wait until it can be in Corresponding results will be obtained if our creased.

advertiser who is content to peg along, sending We all want money, but most of us have out his weak, unconvincing, unattractive circuan honest desire to earn it. The most honest lars, will substitute some straight-out-from-thepublisher can only deliver the circulation; it shoulder talks about his products, written in the is up to the advertiser to use it rightly - most convincing style and dressed in covers that Our Silent Partner.

compel attention. --Cover Chat.

America's Musical Future.

Paper Clothing. Mr. Henri Martean, the French violinist, dur

So many of us fail to pay proper attention to ing his recent visit to the United States, said:

the clothing in which we convey our written and

printed thoughts to the strangers with whom we “In America there are many conditions working for and against music. The spirit of com

wish to establish business relations. mercialism is one thing that, in a great measure,

We have something high grade and strictly causes a check, but this cannot stamp out the

meritorious and yet we go after our man with a

poorly printed letter-head on a flimsy paper, or a inark of greatness in music if the composer is a genius who is in earnest.” He then compares

piece of literature so inferior that it goes unread several sections of the country and closes with

into the oblivion basket. the following thought, which bears interestingly

We hire a salesman to go out to sell goods and

he understands well that his personal dress is one on present discussions as to the source of char

of the big factors he must maintain at any cost. acteristically American themes. "In the South

His personality is the principal thing in landing you have the ideal conditions for the artist. There is the dreamy atmosphere, which will aid

the order, should the line be a competitive one.

The order comes in, is acknowledged, billed out a man to think of themes. California, too, is a

and collected, too many times, on "tramp" stastate where art will flourish. There they have trees and mountains and running water. It is

tionery. This is a paradox in the business world. out of the South that the music typically Ameri

Houses that won't for a minute stand for a slovcan will ultimately come. Thus far the only

enly salesman and who insist on everything else

about their establishments being high grade, will music written in this country has been that which has been influenced by German, French,

for the sake of saving less than a cent on the Italian and other foreign composers, but the day

paper used in a communication, send out stationwill come when there will be music distinctly

ery which reflects the reverse of dignity and sub

stantiality. One class, however, has full appreAmerican and it will come from the old south

ciation of the benefits accruing in the use of high ern melodies.

“They are weird and wild, some of them; quality printing in a proper paper setting, and others are soft, but about them all is a rhythm testify to the foresight of the "get rich quick”

the dollars lured from the pocket of strangers which is unmistakably new in music and which will some day bring forth a truly original na

exploiters of fake investment stocks, etc. tional music for the country.

In these days when the use of the mails is so

large to promote every kind of scheme, many "Already these melodies are beginning to be

firms have no personal relations whatever with popular throughout Europe and though the

their correspondents. These latter, per se, have greatest demand for them is in the dance halls, largely to form their impressions of the concern the time will come when they will be played in approaching them by the way in which the rethe finest drawing rooms of Europe.

ceived communication is dressed. An untidy "It is becoming more and more pronounced

salesman might overcome faulty dress by brileach year; better combinations of old strains are

liant conversation, but the slovenly missive, no being blended and great musicians predict that matter how profound or how choice the diction, before many years a new element will have per- makes its own confession. manent place in American musical literature."

True, there are instances where the use of cheap paper is admissible, but they are few in comparison to the myriads of cases for which

there is no defense. “No man is free who has a job which he is

Your best thoughts, your choicest grammar, afraid to lose.” Probably you never heard of goes on paper to your correspondent. See that the man who said that; perhaps you never will. the clothing is not shabby. -- Midland Trade But honestly now, don't you agree with him?

Times. Don't you wish that was your attitude toward your job? Is it a staff in your hand or a crutch under your arm? Or are you like the abject one in the chair, clutching your job with the “Our grand business undobutedly is: not to desperation of a sinking sailor grabbing a float- seek for that which lies dimly in the future, ing spar? Has your job become a fetich, to but to do that which lies clearly at hand.” which you have sacrified your manhood? Has “To thine own self be true, and it must the splendid mystery we call life resolved itself follow, as the night the day, Thou canst not for you into a mere sordid struggle to hold your then be false to any man.” job?


Greatest Lumber Cut.

More lumber was cut in the United States last is the foremost yellow pine State, with Texas, year than in any other year in its history. The Mississippi, and Arkansas following in order. enormous amount of 37,550,736 board feet was Washington produces by far the greatest amount produced, and the mill value of this was $621,- of Douglas fir. 151,388. In addition, there were produced 11,- A comparison of the lumber-producing states 858,260,000 shingles, valued at $21,155,555, and shows that since 1899 there have been many 3,812,807,000 lath, valued at $11,190,570. On changes in their relative rank. Washington, the whole, it is safe to say that the present an- which in 1899 stood sixth, now leads, while Wisnual lumber cut of the United States approxi- consin, which eight years ago led all others, is mates 40 billion feet, and that the total mill value now third. In the same period Oregon, Louisiof the lumber, lath and shingles each year pro- ana, Mississippi, Idaho, and California made duced is not less than $700,000,000. These fig- great strides as lumber-producing states, though, ures give some idea of how vast is the lumber on the other hand, the amount produced in Michindustry and how great is the demand for its igan, Wisconsin, Minnesota, Georgia, Kentucky, products.

Tennessee, Missouri, Indiana, and Ohio, fell off A glance at the kinds of lumber produced anywhere from 29 to 54 per cent. shows very clearly the passing of white pine and The highest-priced native woods are walnut, oak, one the greatest softwood and the other the hickory, and ash, and the cheapest are larch and greatest hardwood which the forest has ever white fir. From the fact, however, that since grown. Since 1899 the cut of white pine has fal- 1899, the average increase in the price of lumber len off more than 40 per cent, while that of white has been 49 per cent, it will not be long before oak has fallen off more than 36 per cent. Today cheap woods are few and far between. yellow pine leads all other woods in amount cut, If you desire further information on the cutting while Douglas fir—and this will be a surprise to of lumber in the United States in 1906 write to many-comes second. Since 1899 the cut of the Forester, U. S. Department of Agriculture, Douglas fir has increased 186 per cent. Louisiana Washington, D. C.

Fence Posts Made Durable.
Woods Given Sixteen Years Additional Service By Preservative Treatment.

Fence posts of many kinds of cheap woods willow, two-tenths gallon; sassafras, ash, hickwhich ordinarily would soon decay if set in the ory, red oak, water oak, elm, and maple, four

tenths gallon; Douglas fir, quaking aspen, and ground can be made to last for twenty years by

black walnut, six-tenths gallon; sycamore, cota simple treatment of creosote. Most of the so

tonwood, and lodgepole pine, seven-tenths gallon. called "inferior" woods are well adapted to the The price of creosote is about 10 cents per gallon treatment, and this is especially true of cotton- in the East and Middle West, 16 cents per gallon wood, aspen, willow, sycamore, low-grade pines, on the Pacific coast, and 27 cents per gallon in and some of the gums. When properly treated, the Rocky Mountain States. The cost of treating these woods outlast untreated cedar and oak,

a post will therefore vary from 4 to 15 cents. which are becoming too scarce and too much in Properly treated, it should give service for at demand for otiier uses to allow of their meet- least twenty years. ing the demand for fence posts.

Experiments of the Forest Service show that Impregnation with creosote has been greatly with preservative treatment the durability of cheapened by the introduction of the "open tank, lodgepole pine in Idaho is increased sixteen years. which can be installed at a cost of from $30 to The cost of creosote is there relatively high, yet $45, or much less if an old boiler is used. A tank by treating posts there is a saving, with interest with a bottom 12 square feet in area will suffice

at 6 per cent, of 2 cents per post yearly. More for treating 40 or 50 6-inch posts a day, or important than the saving, however, is the fact double this number when two runs per day can that through preservative treatment other woods be made. The absorption of creosote per post is are fitted to take the place of cedar, of which the about as follows: Eucalyptus, one-tenth gallon; supply is rapidly becoming exhausted.

Lon't stop to consider, consider and then stop.

Don't tell them how it happened, unless they ask you; perhaps they don't care.

One Great National Banking System Controlled

By The Government.

By Fred L. Jobnson Panics Prevented. Or The Insurance of The People's Money, by The People, for The People. We insure almost everything that we possess,

ably lower the rate of taxation from year to year. and we insure against nearly every kind of ca- The amount of money on deposit in 1906 was, lamity, but, strange to say, we do not insure in round numbers, 12 billions of dollars; and an our money.

assessment of 15-100 of 1 per cent on that sum The writer's idea is that the United States would have placed at the disposal of the govgovernment should establish such measures and ernment, in that year 18 millions of dollars, with such drastic laws as would enforce savings banks which to pay off, immediately, the depositors of and trust companies to give up their present any insolvent banks, the government then liquistate charters and come directly under the con- dating the bank's affairs. trol of the national government, also such laws The advantages of such a plan are many, the as would then empower the government to in- most important being the prevention of panics. sure the deposits of all banks.

Bank panics are not caused by people needing It makes no difference how far reaching the

their money, but because they want to be confailure of a national bank may be, the confi- vinced of its safety. With the United States dence of the public in its circulating notes-

government back of the banks, it is sure that everywhere current, and part of our supply of no panic would ensue so long as the government money-is not hurt by the failure, for the Gov

endured; the banks would stand or fall with the ernment is back of its circulation and guarantees government. In times of financial stress, when the same; why, then, should not the Government

banks are in danger of a run, as they are under guarantee the deposits of national banks, and

present conditions, a government guaranty of to go a step further--the deposits of all banks?

the safety of the deposits would make such run Why should not the government protect and re

an impossibility. imburse depositors of insolvent banks from a

This plan would work no hardship to anyone. special fund created for that purpose? This The government would require bank officials fund to be raised by means of a yearly tax or and directors to be more careful in their scrutiny assessment on the average daily balance of de- of collateral for money loaned, and would insist positors in all banks, or a tax on the banks

upon a better performance of their duties. A themselves. Note: this tax to be based on the better and more able class of men would be depositors' average daily balance, and not on the

elected-men who would be alive to their obtotal deposits for the year.

ligations and who would faithfully keep the This tax would be very small, never amount

trust reposed in them. ing to more than 15-100 of 1 per cent annually. The government bank officials would be forced, This estimate is ample, as statistics show that urder such a plan, to make laws and regulations the actual average yearly losses from failures of

that would be rigid enough to absolutely control National Banks are less than 1-10 of 1 per cent the situation. of the annual average deposits. (The actual

There would be no shirking of responsibility rate is 83-1000 of 1 per cent, or at the rate of on the part of bank officials; the fact that the 83 cents per $1,000.) The writer quotes from

government had assumed some part of the re1906 figures, as these are the latest records in

sponsibility would not make them careless, but his possession.

rather the reverse; everyone knows "it doesn't It is fair to suppose that the losses from sav- pay to fool with Uncle Sam.” ings bank failures are a little less than the above, No burden is imposed on either the bank or and of trust companies a little greater; but it the depositor. If the depositor pays the tax, is well within the mark to figure that 15-100 of then surely absolute security at a cost of 15 cents 1 per cent would be ample to cover all losses, or less, once a year, for every $100 of his averand that the annual tax of this amount, once a age annual deposit, is not unreasonable—but year on the average bank deposits, would pro- the banks themselves can best afford to do this. vide for all contingencies; but it is sure that The majority of banks pay good dividends and the failures in every year would not reach these should be willing to insure the deposits of their figures; there would be years when a smaller clients without cost to them. tax would be sufficient.

In addition to their dividends, the banks have This estimate also allows nothing for the ac- accumulated a surplus of $1.592,122,892 on a cumulation of interest, which would consider- total combined capital of $1,640,6 19,187. Banks

are simply institutions to safeguard wealth. and facilitate business; therefore there is no reason for any bank to make the excuse that it cannot afford to pay the tax in question because the records of dividends and surplus show they are well able to do this.

This plan would not affect the rate of interest paid to the depositors, nor the rate charged to borrowers; the tax should come out of the banks' earnings; and with the government behind the banks the need of so large a proportion of a bank's funds in surplus would be a thing of the past.

A bank that can't afford to pay 15-100 of 1 per cent annually on its average net deposits for the insurance of depositors is incapable of doirg business, is a menace to the community, and should be liquidated.

This plan would be advantageous to the depositors, the banks, the government and the public at large; its only opponents are a clique of bankers who see in such an arrangement the end of one-man banks, the end of banks run for the

personal ends of one man or set of men, the end of dummy directors, of memorandum notes, etc. The sound, conservative banker, who realizes that the peoples' funds are entrusted to his care for safe keeping and to facilitate business, would welcome such a plan.

Panics would be a thing of the past, as there would never be a run on a bank which was backed by the government; a panic could not exist while the government endured.

Nothing can shake the confidence of the people of these United States in the government, ard nothing could shake the confidence of the people in a "government-backed” bank.

With no panics to disturb trade, business would be stable, prices firm, labor well paid, work plentiful; and the strength of the nation would be sure that the world's powers would recognize its commanding position.

The people are demanding some such plan and do not let us forget that “the people are the government and the government is the people.”

Short Talks on Advertising. In most newspapers there is a dead level of advertising excellence, or rather lack of excellence. The advertisements are generally of about the same degree of badness. Probably in every town there are two or three advertisers who secure distinct prominence for their announcements by giving them a little attention and infusing into them a little life and interest.

A man doesn't have to get his head very far above the sea of mediocrity to command wide attention. Nine cases in ten, when a man says that advertising doesn't pay, he has arrived at this conclusion because he has expected the newspaper to do it all. If he were to neglect his show window and his store front as he neglects his advertising space he would have still other complaints to make about business in general. If the window were never washed and the display of goods never changed he would not expect people to stop and lose themselves in an ecstasy of admiration; and yet he does seem to expect just this sort of thing for an old, moss covered advertisement.

There is nothing magical about advertising. It is one of the tools of trade, just as a chisel is a tool of carpentry. The man who handles the chisel properly can do many useful things with it. If he is careless and awkward he is likely to cut himself.

It's the same way with advertising.

Why Business Men Fail. Mistakes in the choice of professions. A lack of good judgment in giving credit. Stupidity, laziness, rashness and dishonesty. Loss of confidence by misrepresenting goods. Too many irons in the fire.

Living beyond income, and speculating withi borrowed funds.

Outside speculations not thoroughly understood.

Lack of principle, of fixed purpose, of perseverance.

Want of thoroughness, want of fixedness of purpose.

Want of punctuality, honesty and truth.

Fast living, mentally, spiritually and bodily, lack of attention to the details of business.

Want of moral strength.
Lack of persistent and protracted effort.

Desiring another man's success without being willing to work as that man does, and begin, as he did, at the foot of the ladder.

Unwillingness to begin at the foot of the ladder and work up.

Trying to do too many things rather than sticking to the one thing one knows most about.

Giving money-making the first place, and right-doing a second place.

Wavering purpose, non-sticktoitiveness.

Because men have short ears is no sign they cannot bray.

Because your wife thinks your funny, don't het money on it; she has to live with you.

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