davidaulloa/AmericanStories huggingface dataset:
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
Oct. 5-l90l
CHANGE OF GRADE.
City Clerks Office.

City Clerks Office,
St Paul, Mimi, Sept. 18th, 1901.
Notice is hereby given that the Board
Of Aldermen, a body of the Common
Council Of the City of st. Paul, at its
meeting to be held on Tuesday, Novem-
Der 5th, 1901, at 1880 o'clock p. M, in the
Council Chamber in the City Hall. will
consider and may order change Of
grade on
EAST FIFTH STREET. FROM MAPLE
TO HOPE STREET,
Works. under date of Sept. eth. 1901
which report was accepted by the BOARD
Of Aldermen Sept. 23rd, 1901.
A profile indicating the proposed change
this Office. "s
BY order Of the Board Of Aldermen.
MATT JENSEN,
City Clerk.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
CONTRACT WORK.
Charles Street Sewer.

Office of the Board of Public Works,
City of st. Paul, Mimi, Sept. e. 1901
Sealed bids will be received by the
Board of Public Works in and for the
corporation of the City of st. Paul, Min
nesota, at their office in said city, until
p. m. On the 10th day of October A. D.
1901, for the construction of sewer on
Charles street, from Dale street to St
Adams street, in said city, according to
plans and specifications on file in the Of
fee of said Board.
A bond with at least two (2) sureties in
a sum of at least twenty 600 per cent, or
a certified check on a bank of st. Paul
in a sum of at least ten QO per cent Of
the gross amount bid, must accompany
each bid. Said check shall be made pay
able to the Clerk of said Board.
The said Board reserves the right to re-
ject any and all bids.
F. o. HAMMER,
President.
Official: c. H. BRONSON,
Clerk Board of Public Works.
Sept. H-1901-10t.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
Proceedings in Baakru)55l

DISTRICT COURT OF THE UNITED
States, District of Minnesota.
Third Division.
In the Matter of
William e. Bar In Bankruptcy.
nacle, Bankrupt.
NOTICE OF FIRST MEETING OF
CREDITORS,
10 the creditors of William E. Barnacle,
OF St. Paul, in the County of Ramsey.
and of said District, bankrupt
Notice is hereby given that on the
4th day of October, A. D. 1901, said
William E. Barnacle was duly ad-
judged bankrupt, and that the
first meeting of creditors will be
held in Room Al, Germania Life Bldg.
st. Paul, Mimi, on the 18th day OF
October, A. d. 1901 at 10 o'clock in
the forenoon, at which time and place
said creditors may attend, prove their
claims, appoint trustee examine the
bankrupt and transact such other bust
ness as may properly come before said
meeting.
Dated st. Paul, Mimi, October 4th
A. D. 1901.
MICHAEL DORAN Jr.,
Referee in Bankruptcy.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
HORSES Ann CARRIAGES.

@-c.>~oo~-ooe-~~e~-o-
LUMBERMEN TAKE NOTICE-Bar-
rett & Zimmerman, the largest horse
dealers in the Northwest, have from
800 to 500 head of heavy logging horses
constantly on hand at their Midway
their stables opposite postoffice. Du-
luth; they have your kind; come and
pick them at right prices.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
No More Electric headlights.

The Milwaukee has about decided to
abandon the use of electric headlights
on its locomotives. Besides being eXpen-
slve. all the heads of the mechanical de-
partments have been against their use for
long time. One great objection is that
electric headlights obscure signals and
they are to other trains when approach
ing stations.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
Plenty of Time to Eat.

In the cafe sections of the observation
club cars of 1.-The Twilight Limited"
via ''The Omaha Road daily between
Minneapolis, St. Paul, West Superior
and Duluth. Full course, hot meals
served to order at regular first-class res
taurant prices. Quick service.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
INSTRUCTION.

THE HESS BUSINESS COLLEGE spe-
c1al class in post graduate work for ad-
Vanced Stenographers Will organize Oct
1 to z; rate only IS per month
RASMUSSEN 5 PRACTICAL Business
scnool, 80 Globe Building-The only
school in st. Paul recommended by the
author of Gregg shorthand; individual
instruction in all branches.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
OFFICIAL PUBLICATION
OF Resolutions Adopted by the Com
mon Council of the City of ST.
Paul.

Ay F No. 6l49-By Mr.. Dix
Resolved, That the Commissioner of
Public Works be, and he is hereby au-
thorized and directed to remove or cause
Lot Five 90, in Block Eight 80, Of Sub
urban Hills addition to St Paul, and set
them on the proper curb line on the
south and east sides of said lot, the ex-
pense thereof to be paid out of the Street
Repair Fund
Adopted by the Assembly Sept. 25, 1901.
Adopted by the Board of Aldermen
Oct. l, 1901.
Approved Oct 3, 1901.
A'y F No. 6150-By Mr.. Wheeler
1t is hereby ordered by the Common
Council of the City of St Paul:
That the matter of curbing Grand ave-
nue., from LaWton street to Floral street,
with granite, be, and the same is hereby
referred to the Board of Public Works to
investigate and report.
First-Is this Improvement proper and
necessary?
Second-Give the Council an estimate of
the expense thereof, and state whether
one-haif of the cost thereof is to be paid
into the City Treasury before the contract
is let.
Third-Can real estate to be assessed
for said Improvement be found benefited
to the extent of damages, cost and ex-
penSeS necessary to be incurred thereby?
Fourth-Is such Improvement asked for
upon the petition or application of the
owners of a ma jority of the property to
be assessed for such Improvement?
Fifth-Send the Council plan or pro-
file of said Improvement. as required by
law, if you report in favor of the same.
SiXth-Send the Council proper order
directing the work to be done
Adopted by the Assembly Sept. 25, 1901.
Adopted by the Board OF Aldermen
Oct. l. 1901.
AnprOUad Oot 1901
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
MEYER AGAIN.

going at such unheard-of prices: case
of must sell; read prices elsewhere 3SS
Wabasha
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
CARPET CLEANING.

s~~~-~I~~~s~.~>>0~-~-~~
CARPETS, mattresses and feathers rem
ovated; rugs woven from sid carpets.
VerSity av.; tel 2I41-J2
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
POPULAR WANTS
AGENTS AND AGENCIES.

WANTED-Ten lady general agents; So a
day. Crescent Corset and Skirt Works,
Ann Arbor, Mich.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
SPARKS FROM THE RAILS.

= party of Chicago hunters, occupy
ing the Pullman car Cleopatra, came
up on the Milwaukee yesterday and were
transferred to the Northern Pacific. They
ara going into North Dakota to hunt
geese.
The North Western yesterday opened
its new line between Pelican and Gran
don, Wis. Train service will be estab
hshed Sunday. The line is seventeen
miles long
J. NJ. Barrett, superintendent of termi-
nails of the Baltimore & Ohio, has re-
signed to take a similar position with
the Erie, having his headquarters at New
York.
The conviction of two men by the Chi
cago courts of issuing and handling
forged railroad tickets is hailed with de-
light by general passenger agents. It is
said that this is the first conviction of
this kind and is one step nearer the
arnihilation of dishonest scalpers.
Charles Miller. manager Of the Fountain
hotel, Yellowstone Park, is said to be
slated for superintendent of the Park as
sCcia ton, vice J. H. Dean, resigned
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
No Famine of Grain Cars.

threshing so much that the roads CEN
tering in st. Paul have experienced no
trouble in supplying cars for the
grain traffic. They anticipate, however,
north, to have every available car en-
gagged in this service, and it is not I'M
likely that a heavy and steady traffic
will continue through the winter months
TIL late in the spring.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
California,

The through tourist car for California
will run every Thursday via the Chi
Fe route to Los Angeles. New wide yes
thuled Pullman tourist cars are fur
nlshed and these are personally conducted
west of Kansas City. For rates. reser-
Eaton Of berths, etc, apply to J. N.
storr, city ticket agent, corner Fifth
and Robert streets. st. Paul.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
RATES ON SHINGLES MAY GO UP.
ChicagO-St. Paul Lines Give Notice
of Intention to Raise Them.

gave notice that they will not, after Nov.
]. accept the p esent rate on shingles.
The Great Northern and Northern Pa
cific some time ago made a rate on
shingles from Washington which was
something of a reduction, and the Chi
cago-St. Paul lines now object TO &C
cepting this rate as a basis from st.
Paul to Chicago. They want cents per
hundred more. The Northern lines have
taken no action on the demand, but will
probably consider the question in a few
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
FARM LANDS

$12 AN ACRE for eighty acres. ST Croix
county, Wisconsin, five miles from Clear
Lake, Wis; frst-class farming land:
partly improved. A. B. Jaeger, Glen
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
BOARD OFFERED.

ses~-~.~-~~~~o~~-~4~-~-~1- s~~-~~~.~-~-~.~~~-
PLEASANT FRONT ROOM for two: all
conveniences; home table: reasonable.
260 West Sixth st.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
WANTED TO Ruy

WANTED TO BUY-Nice residence lot
on st. Anthony hill, west of Mackubin
and south of Marshall; easy terms; an
s"er, giving location and lowest price:
must be bargain. H 8. Globe
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

STATE OF MINNESOTA, COUNTY OF
Ramsey-ss.
Office of the Register of Deeds.
This is to certify that the within in
strument was filed for record in this
office at ST. Paul, on the 4th day Of
october, A. D. 1901, at 4:10 o'clock P. M.
and that the same was duly recorded
In Book I of Interpretations
MICHAEL W. FITZGERALD,
Register of Deeds
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

California Tourist Cars.
TO find out all about them consult
Minneapolis & st. Louis Agents.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

s-e~~~~S~-~~~.~.~-~~-~I~s~
TIE TORIUM-Practical dyers,
French dry cleaners, matters, tailors;
express orders solicited; prices moder-
ate 3S6 Wabasha.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
DEAD,

EVERY NAN Is dead to his interest who
does not come and save one to three
dollars on pair of Shoes for few
days only. 1888 Wabasha.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
FINANCIAL.

HURRY! HURRY! HURRYM!
ONE HUNDRED THOUSAND DOLLARS
In Sums Of
$40, SIS, 500, s25 $50, $35, $40, $50.
$50. SIS, $50, 500,
To loan SALARIED PEOPLE on their
plain NOTE at rates which honest peo-
pie can afford to pay. No one will know
outside of our office. Call and get our
rates; we know it will save you money.
ST. PAUL FINANCIAL CO.,
Room 301, Third Floor, N. Y. Life Bldg.
OLDEST AND BEST.
MONEY LOANED to salared people:
furniture, pianos. ETC., with removal
from residence Minnesota Mortgage
Loan Company. 317 Pioneer Press Bldg
8 AND 6 PER CENT MONEY to loan
on improved property in St Paul and
Minneapolis V. c. Gilman. New York
Life Bldg.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
For SALE

~4~4~-~-~~~-~-o-o-~-~O~~-~-
A WEEKLY newspaper and job plant
for sale at bargain in good Minnesota
town of over 400; good reasons for sell
ing. Address r ~, care Globe.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

BOARD AND ROOM. $3.50 per week:
board only, $50. sol St. Peter st.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
MEMS SHOES.
DYE1NG AND CLEANING.

MEMS So shoes, 81; mems 81 shoes. 81 .35:
mems So shoes, S1.S5. 1888 Wabasha st.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
BUSINESS CHANCES.

"A WEEKLY newspaper and lob miami
for sale at a bargain in good Minneso, a
town of over 400; good reasons for sell
ing. Address r ~, care Globe.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

A'y F No. 6l54By Mr.. Nelson
Il is hereby ordered by the Common
Council of the City Of ST. Paul:
That the matter of grading the alley in
Block 9, brakes Rearsangement of
Blocks 2, 8, 9, 10, and Lots to H. Nc
Leans Reservation, running from Earl
to Hester and between Mclean street
and Suburban street, be, and the same Is
hereby referred to the Board of Public
Works to investigate and report.
First-Is this Improvement proper and
necessary?
Second-Give the Council an estimate of
the expense thereof. and state whether
ore-half of the cost thereof is to be paid
into the City Treasury before the con-
tract is let.
Third-Can real estate to be assessed for
said Improvement be found benefited to
the extent of damages, cost and expenses
necessary to be incurred thereby?
Fourth-Is such Improvement asked for
upon the petition or application of the
owners of a majority of the property to
be assessed for such Improvement?
Fifth-Send the Council a plan or pro-
file of said improvement, as required by
law, If you report in favor of the same.
Sixth-Send the Council a proper order
directing the work to be done.
Adopted by the Assembly Sept. Is, 1901.
Adopted by the Board of Aldermen
Oct. 1, 1901.
Approved Oct. 8, 1901.
f. G. WARNER,
President of the Assembly
L. ]. DOBNER,
Vice President of the Board of Aldermen.
MATT JENSEN,
Oct 5-l9Ol
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
HELP wANrED-MALEs.


A GOOD PAYING restaurant and bakery
for sale in Southern Minnesota. In
quire at Red Star Yeast Company, ST.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
WANTED-TO RENT

WANTED by man and wife, furnished
steam heated alcove room for light
housekeeping; references. GA, Globe.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

Sleeper for 11:l0 D. m. train can be &C.
cupied at any time after p. m.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

A'y F No. 6l51-By Mr.. Whitcomb-
Council of the City of ST. Paul:
That the matter of condemning and
taking an easement in the land abutting
on Geranium street from Rice street to
Western avenue, necessary to construct
slopes for cuts and fills in the grading Of
said street, be, and the same is hereby
referred to the Board of Public Works to
investigate and report:
First-Is this improvement proper and
necessary?
Second-Give the Council an estimate
of the expense thereof, and state
whether one-half of the cost thereof is to
be paid into the City Treasury before
the contract is let.
Third-Can real estate to be assessed
for said Improvement be found bene-
flied to the extent of damages, cost and
expenses necessary to be incurred there
by?
Fourth-Is- such improvement asked for
upon the petition or application of the
owners of a majority of the property TO
be assessed for such improvement?
Fifth-Send the Council a plan OF
profile of said Improvement, as re-
quired by law, if you report in favor OF
the same.
Sixtl1-Send the Council proper order
directing the work to be done.
Adopted by the Assembly Sept. 25, 1901.
Adopted by the Board of Aldermen
Oct. l, 1901.
Approved Oct 2. 1901.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
NORTH WESTERN iINEI
W re. ST . M q 0R1I @

- =. = ]. =. W q =. z 2 -
Office 3S2 Robert st. Phone $50.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

STATE OF MINNESOTA. DEPART
ment of State.
I hereby certify that the within in
strument was filed for record in this
Office on the 4th day of October, A D.
1901, at 1918 o'clock A. NJ, and was duly
recorded in Book A 3, Of Interpretations,
on page
P. E. HANSON,
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

A'y F No. 6153-By Mr.. Nelson y
1t is hereby ordered by the Common
Council of the City of st. Paul:
That the matter of condemning and
taking an easement in the land AUDITING
on the alley in block 9, brakes rear
rangement of blocks 2, s, 9, 10, and lots
l to II, McLean's Reservation, running
from Earl to Hester and between Nc
Lean and Suburban, be and the same is
hereby referred to the Board of Public
Works to investigate and report.
F'irst-Is this improvement proper and
necessary?
Second-Give the Council an estimate
of the expense thereof, and state wheth-
er one-half of the cost thereof is. to be
paid into the City Treasury before the
contract is let.
ThirG-Can real estate to be assessed
for said improvement be found benefited
to the extent of damages. cost and ex-
penses necessary to be incurred thereby?
Fourth-Is such Improvement asked for
upon the petition or application of the
owners of a majority of the property to
be assessed for such improvement?
Fifth-Send the Ctuncil a plan OF pro-
file of said Improvement, as required by
law, if you report in favor of the same.
Sixth-Send the Council proper order
directing the work to be done.
Adopted by the Assembly Sept. %. 1901.
oAdopteu by the Board of Aldermen
Oct. 1, 1901.
Approved Oct. 8, 1901.
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05

BOOKKEEPE:R of experience In whole
sale house; must be good penman,
quick and accurate; give referenc s.
Answer d g. Globe
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
SITUATIONS wANTED--MALEs.

Anybody out of work In st. Paul or
Minneapolis may insert nm adver-
tisemenf under this heading free
Af charge. - -
The Saint Paul globe. (St. Paul, Minn.) 1896-1905, 1901-10-05
EASTERN MINNESOTA RAILWAY.

all:1opm Duiu'i anu "'S' oup0f'Of = "6:4oam
Marietta daily leader. (Marietta, Ohio) 1895-1906, 1901-07-06
THE SAINTS
Were the VictOrs in Both 6ames on the
Fourth.

The ball games at the Fair Grounds
were the only attractions which were
offered to the public Of Marietta on the
Fourth. Those who saw the games feel
well assured that If Parkersburg can
put no better team in the field than
that which represented them here that
Marietta will win every time. In the
first game the visitors did not seem to
be able to bat any, or if they could they
could not touch Elston. while the
Saints batted Poland wherever they
pleased and just as often as was nee
esary. The score, Is to 4. shows the
relative ability of the pitchers. Elston
played the whole game.
The next game was very even one.
Mann, for the Saints, and Bergen, for
the visitors, did the pitching. In this
game Bergen seemed to have a little
the best of, and held the Saints down
for very few hits while Mann was
pounded almost as bad as Poland had
been in the first game.
hC lSoL Vi lllC htLNl W 81 III
and play little in order to win the
second game; but they did it at to
II. This score expresses the relative
ability of the teams as they played
yesterday. 1t was a glorious victory,
and the winning of the second game af-
ter the score was 8 to 8 at the end of
the eighth inning made it as if the
Lord was mindful of his own.
The game was enjoyed because we
won, otherwise it would not have been
enjoyed in the least. The players on
both sides showed lack of practice and
the errors made were numerous and
some of them costly but it is safe to
predict that regular and steady prac
tice under the direction of some good
ball player would make first-class
team of the Saints and one which
might represent the city with credit
anywhere. The Saints are all natural
ballplayers, but should not try to play
ball without more practice.
Marietta daily leader. (Marietta, Ohio) 1895-1906, 1901-07-06

All Doctors have tried 70 cure CA.
TARRE Dy the use OF powders, acid
gases, inhaIcrs and drugs In paste
form. Their powders dry UP the muc-
uous membranes causing them to crack
open and bleed. The powerful acids
used In the inhalers have entirely eat
en- away the same membranes that
their makers have aimed to cure.
while pastes and ointments cannot
reach the disease An old and exper-
fenced practitioner who has for many
years made @ close study and speciality
of the treatment of CATARRH, has at
last perfeeted C Treatment which wisea
faithfully used, not only relieves at
once. but permanently cures CA
TARRH, by removing the cause, stop
ping the discharges, and curing all in
fiammation. 1t Is the only remedy
known to science that actually reaches
the afflicted parts. This wonderful
remedy is known as "SNUFFLES, the
GUARANTEED G CATARRH CURE"
and is sold at the extremely low price
of One Dollar, each package contain.
ing internal and external medicine suf-
ficient for full months treatment and
everything necessary to its perfect use.
"SNUFFLES" is the only perfect
CATARRH CURE ever made and is
now recognized as the only safe and
positive cure for that annoying and
disgusting disease. 1t cures all infa-
nation quickly and permanently and
is also wonderfully quick to relieve
HAY FEVER or COLD in the HEAD.
CATARRH when neglected often
leads to CONSUMPTION-"SNUF-
FILES" will save you il you use 1t at
once. It is no ordinary remedy, but q
complete treatment which is positive
ly guaranteed to cure CATARRH in
any form or stage IL used according to
directions which accompany each pack
age. Don't delay but send for 1t at
once. and write full particulars as to
your condition, and you will receive
advice from the discoverer OF
this wonderful remedy regarding your
case without cost to you beyond the
regular price of "SNUFFLES" the
GUARANTEED CATARRH CURE"
Sent prepaid to any address in the
United States or Canada on receipt Of
One Dollar. Address Dept D212, Ed
WIN B GILES G COMPANY. 1880 and
1882 Market Street, Philadelphia.
Marietta daily leader. (Marietta, Ohio) 1895-1906, 1901-07-06
Witnessed Inauguration Of a Civil Gov
ernment in Philippines.
In Porto Rico the Day Was Celebrated with Great and I'm
peCedented Enthusiasm by Both Parties.

in honor of General Macarthur. Mes
danes Taft and Chaffee assisted in re-
ceiving the guests.
The army transport Meade sailed to-
night for Nagasaki with General Mac
Arthur and members of his staff.
IN SAN JUAN.
San Juan de Porto Rico, July A.
The Fourth of July was celebrated with
great and unprecedented enthusiasm
here today under the management of
Governor Aliens committee. Both po
litical parties assisted in the ceremon-
les for which Governor Allen appropri-
ated $500 and the citizens donated the
remainder. The celebration opened
with big public ball yesterday even
ing, Governor and Mrs. Allen leading
the grand march. The majority Of the
houses were decorated with flags and
bunting and fireworks in profusion
were set off. In 1900 the Fourth of July
was not celebrated.
At 6 this morning salute of Fl guns
was fired. At o'clock the parade
started with 1000 in line.
The parade was reviewed by the gov
ernor and the line of march was
thronged with people.
At 10 o'clock the legislature met for
the preliminary discussion of the mat
ter of free trade between Porto Rico
and the United States. The national
salute was fired at noon.
During the afternoon there was a
baseball game between an American
and Porto Rican nine and athletic
contests. At o'clock there was mass
meeting in the theatre. where the
school children sang the national airs
in English, after which addresses were
made and the declaration of independ-
ence read. AT 6 o'clock Governor AL
len held public.reception.
There was in illuminated boat par
ade this evening and great display Of
fireworks. There was a patriotic OBJ
servance of the day at other towns of
the island excepting Ponce, which has
done nothing because of lack OF funds