The daily morning Astorian. [volume] (Astoria, Oregon) 1883-1899, 1897-11-14


frNg porponh are aware OF tho amount
VI tlmu an ofii,or Of "a link must needs
Bpcnd IN looking aftor tho buHlncn" OF
others. aud how httla romun ration
uppro In In Il oAocpl goodwill, III cash.
tern ana prcsldonlp of country banks IN
towns ~ hyo ANA ton thousand inhhbt'
ants ar perhaps TIM hardest worked
men IN thplr communities, Ia addition
10 ihn cpnaiiurl daily grind Of their own
huhlnuaa. they irn roh,rueH ana advisors
nDr all bhoir patrons AMI the public ~
wull. and Il IA considered quito tho prop
.rr thing 10 ask " thom almost any bust
frsvpl favor rsiva uhe luhn " money with
out bnt0rpl ~ security, Thuho faYorH
afu freely granted and but brapcnk the
,pslmaiiDn II ~@hd bo we'll thrn II
the lhouehtlo,ss man wqio htH bteB been
also,utnK At tho b's " uH an rSpon"nt Of
than hidrvua monster. tho Money Pow
ur." opuld pass one day of hin lie be
himi Il hank counter,
Tar nrst thing hs no opening OF the
mail and tho cblaequcnt planning ~ thc
,iuy'a work In tlts mail from day to
day. aru sight drafts 90 collections upun
Io,sii mr,tnaitls ana individuals. sent BY
wholsss,lu ho,r-cH aId manufacturing to-
tulAi iahinoirln from almuat every part Of
the uallrd Rtaba, Th"y MET all br
prns.rnlr. snd n oolloWoi. rcmlit0d furi
ard n unpaid. rdturn~i with roanon
oadurp,si FOR tho NOT. aymont This 10
regular feyttufr of the banking buHiAcsn.
hut ono ~ whiuh th"ro Ia ntIlv ptunt
For ono r,raaun or another au nNsragv
~ hAif th"su draftn afr returned unpnid,
IN this tus~ tho banker la out hla time
All poaIaEv ami Nsciyva nutmns tpun
tho draf,H collected RAJ ging uom s. to
ti50. nominal rco Of fr,in 10 ,ont- 10 .
cents ia charged often thrrc az mistakes
involving correspondence. Tor thv req.
u,ahlv merchant i,s,l"unly guards ME
ho4ur whom drawn upon bp hi dealer
Then again. the draNvr ~ o. draft il
appru hOnplvr ana aala oor apr,tpl after.
ton to bs Ki,rn TO tho cnll.rilon tnat
partial psyu.,iCA b-' ruv,avod. or ,hat
,s,nud-n,lui opinion -, niycn an to n,
sinndA q of tp, dr,woc and the appar RIM
a1u,Hllun of his btsaucrr pratta arv
pf'nn drawn with sNrhonsc aud vulrr.
ton charges. protest ~ iNul.' iiut Gus.
tom has established lic rtio that Nh-rr
drlwrr rrfua1u to pay exchange {, TO-
ioiucind from the amornt rmttoi
b. vase a draft should be- Protested rpt
nonpaymrnt alir frv goes GO the notary
And IN. hank attends gn thr matter
gratis both IN lasso ami small banks
Tho s.,l'v,riun d-tar1ma is % necessary
hli hnri-usrmr one, and o. long hAs
brcn a question In eio minds ~ urnrialr
W. ~ how a. can IN mHtic go earn Ne
pr1rsprtiSs,to s1arr ~ pronta The 30
iwi"n seems aH far away ~ ever
IiH thu mail Is many p,dvd Herr b.
a letter containing customer check
which Tho auidcr uuya must ir ronitrd
tor at ITS ra.~r. Ia dvfrrvo- TO a patron
this IL donc, ilrrr ., on" oslo-iug
slamp asking Tor a c,nnd. Ht,l r,y,'r,
pn thr nnan,Ial rrHporFahity and char.
actvr OF a man who wishes sn nuy
hil uf Euudla on crrdit n tho man BE-
customer. tho hsnA~r wishes 10 add him
10 fnr An truth rni justice vii aliuw,
hG extreme care muaI r, taken sud 10
thir party ha unknown 60 him iuauiri-7
munt ho madv in Euari"i manner ut
the answer rrturp-,i. "uny" 70, mra1t
Of knowing Tls'ra ~ un pry 90 ,s
An"'ror irltvr ou.gaina g drrd 60 y
i"ii,su,'d on tho paynotu of money un,
mr. npranc distractions. only nom.
lnal trr can ho rpactri fpr this -,r,te.
ycl &, Involves ruly the negotiations ol
"a trgoir h,,twc,n widely separated per
1uiaS wlro porhopa. aH y~ hav- not
mny hIrr,sd upon i'cthln Lawyers musl
bc aocn. tclcgrtphlnK dr,. frequently an
rnuy spent In explanation lu Tor prlc.
updN nothing \ man living In "a re-
uptr a,uio wrlto' to itpulr, u shrrc ls
"ihclV0 story" In town uc wishes 3,
locale, \ widow Wishes 70 remove &C.
town TAX hu1rdcrr and educate hcI
children. WIN the banker pl.trc recon-.
mcud an clIgib." hos,rion and say what
viii h" tho monthly riru7 Here r.
iultur containing u note sent tt ihr re-.
.qut,t Of customer who wishes to pay
lnd w1r cali u 1nN bccH runni
sine" iS9l with partial payments ana II
tak,0 exactly hair an hour To- figure the
amount due. which II SeiGJ FOR which
thr visionary ono per cent h charged
oourtmu Wrum of inquiries. count
loss rrquoats FOR names of reliable ana
.cncrEdic" agents. the whole npl's,m and
i,'tHim or The commercial world como'
d, Hln banker. Il a tho ethics Of the
ptsancfs to return courteous and rapid
answers. tho expense account grows FOL
stamps and stationery. wlur there liz q
minimum OF profit Tho regular mIchin'
work Of transmission Of checks. drafts
blls OF exchange, orders for shipping oi
money. nn tho regu'ar features Of tho
daily gri a having becn ontcrcd and
checked, which ls tho bankers read
work tho mail may he considered iis.
Dorcd Of
The cashier tnltos ont the daily cash,
taking great care ns to dhn donom'nn.
aions Of hills the relative qua tity Of
gold and silver and paper, But notice
TIM calls made during Il single day 10,
change Everybody comes for change,