Dodge City times. [volume] (Dodge City, Kan.) 1876-1892, 1881-07-14

meet al the demands for interest then
accrung on deposits OF 1879. to take
care OF the usual small withdrawal OF
principal, and TO give Mrs. Howe and
her friends everything they needed Tor
their comfort To keep such concern
/ alive there must be ike increase OF
deposits upon a geometric ratio all the
time. and such rate of advance cannot
possibly be maintlined for many years.
The lon ser the thing lasts the wider is
the circle of its final disaster and inius
tee, and the duty, therefore ofeyery hon
est man, whatever the duty Of honest
woman may be. is 10 destroy such an
enterprise as soon as il is unearthed.
Mrs. Howe quite surpassed Miss Spitz-
eder in scrupulous obed ence TO the
spirit Of their common scheme. The
latter sometimes though rarely. TO be
sure m de investments of her depos-
tied funds; the former never did such
thing. excepting once. when she lent
few hundred dollars to furniture
dealer; and her Lad es' DEPOSIT had not
"a single cent of "in;0aie," in the
bankers sense OF the word. Mrs.
Howe, in fact carried on her business
in all its branches with appropriately
Spart N simplicity. She took her de-
posiiors money; kept it in the drawers
of a chidoniere in the business parlor by
day. as Mrs. Gould has often said.
carried it off in baskets at night, and
put it somewhere probably under
her bed-ior safe keeping; paid
out interest and principal from il
when there were calls for such
disbursements; bought her own house
and land and furnit ire and fixtures with
il; and always treated il er tirely as her
own which. indeed. in an important
sense, it was. For this sort OF banking
none OF the frippery OF modern mascu-
line bookkeeping was neeced. and none
was used; the accounts Of a Fiji Island
iish-dealer could not have been kept
more simply than those of Mrs. Howe.
the 30 ton ''iinanc' al agent, and Miss
Crandall, who testified in court that she
did not know the difference between a
day book and Il ledger. was the very
woman to serve As her chief clerk. In
audacity the German operator some
what surpassed her American imitator.
but in cunning the latter absolutely ex-
ceiled. Mrs. Howe-or whoever elabor-
a'ed the orig nal conception of her
bank-recognized the decided superb
ority in sensibility and inluisi-
tiveness of the average Bostoni-
an over the average Bavarian,
and her operations were conducted,
especially at first, with an almost ex-
guisite tact. The air of reserve and
coyness with which the management
enveloped itself acted like magic upon
the credulity of the ordinary uneducat-
ed woman. Mss Susan Smith went to
the LADIES' Deposit with her two hun
bred dollars in her pocket, little
iimorous. somewhat dubious, rather in
credulous. 70 her surprise, she found
that her patronage was by no means
sol;cited-was not even wished. unless
she was exactly the right sort OF woman
and precisely met some four or five con
ditions. In a few moments she began
10 burn with the DIES re TO enter the IN
closure thus jeaiously guarded; and ii
she succeeded as she generally did in
the end-in persuading the person in
charge 10 take her little. all she de
parted with a sense OF deep gratitude
that she had been permitted to
become depositor. the same
idea. little varied, was beauti-
fully carried out in the request.
delicately but firmly made in almost ev-
err case. that the customer would not
gossip about the Ladies DEPOSIT. If, |
indeed. sne hal particular female
friend. who was excessively worthy and |
greatly in need. and who happened to
have two hundred dollars or more, such |
a friend might. as favor. be very
quietly informed OF the privileges OF the
establishment; but there was To be no |
babbling into the worlds rude ear |
about these sacred mysteries of Eeusis.
All this showed a fine knowledge of
human nature. aud in practice worked |
a. af ha mat no. 80. ,, n