davidaulloa/AmericanStories huggingface dataset:
The daily morning journal and courier., 1907-06-14
TWO LABORERS KILLED
Struck by the PIttsaeId Express East
 of Stamford.

Stamford, June 1S.-phe Pittsfeld express. west bound, killed two section laborers about half mile east of the Stamford station on the New York, New Haven and Hartford railroad to- night. The men are Joseph Crobo, an Italian. and Henry Mikita, Pole, The men were working on the railroad and were within about 25 feet of each other. A track worker tried to warn them as they could not see the train which was coming around a curve, but could not do so in time. Both lived in Stam- ford.
The daily morning journal and courier., 1907-06-14
FInnI Merger Agreement

New York, June 1S.-The final agree ment for the merger of the Equitable Trust company of New York and the Mercantile Trust company was adopted to-day by the board of directors of the two institutions and will be submitted tomorrow to Charles H. Keep. state su- perintendent of banks at Albany.
The daily morning journal and courier., 1907-06-14
Can't Have MunciunI Ice Plant.

Boston, June 1S,-Governor Guilds veto of the bill permitting the city of Holyoke to establish a municipal ice plant was sustained in the lower branch of the legislature this afternoon by vote of 51 to 113.
The daily morning journal and courier., 1907-06-14
onused Panic Among rropu.

Kingston, Jam., June 1s-AIthough the earthquake here to-day did no damage to property, it caused a panic among the troops stationed at Port Royal and several men sustained in- juries in dash for the open.
The daily morning journal and courier., 1907-06-14
WEATHER RECORD.
.ashington. June Ia. 1aOY.

Washington, June 13, 190T.
 Forecast for Friday and SaturdAy.---
 For Eastern New York Showers Friday, cooler in interior; Saturday partly cloudy3 light variable winds.
 For New England: Unsettled weath- CT, probably showers Friday; Saturday fair fresh southwest winds.
The daily morning journal and courier., 1907-06-14
$6,OOO FIRE.
Alfred o. ThraII of Vernon Center Only
 Partly Insured.


 Partly Insured.
 Rockville. June 1S-Two large barns, a large tobacco shed, and ice house and several smaller sheds attached to the barn and their contents of hay, grain, straw and farming implements, belonging to Alfred o. Thrall were to- tally burned tonight. The place was located in Vernon Center about three miles from Rockville. The fire origi- mated in the tobacco shed which was partially filled with hay and is thought to have been of incendiery origin. The barns were located near the tobacco shed but all the live stock was taken out. The loss is estimated at about $6,000, with partial insurance.
The daily morning journal and courier., 1907-06-14
Mrs. Hllhoune,s Condition.

The condition of Mrs William Hill house. who is critically iii at her Hill- house avenue residence. while critical was reported as comfortable as could ba expected under the circumstances last evening" Dn B H. Cheney is in atteud- ancA
The daily morning journal and courier., 1907-06-14
Hnrtford nnslnesa Mnn nend.

Hartford, June 1S.--Carlos c. Kim ball, senior member of the firm of Kim ball & Parker, died at his home here this afternoon after an illness of sey- eral months.
The daily morning journal and courier., 1907-06-14
ONE BODY RECOVERED
Coxswain of Minneso+n'n Launch Found
 FIonting ut Norfolk.

Norfolk, Va, June 1S-The body of Cexswain Robert H. Dodson of tho batneship Minnesota's i'll fated launch which. with it's eleven occupants. six midshipmen and five seamen, went to the bottom of Hampton Roads in the darkness of Tuesday night, was found floating in the Roads to-day and to- night reports were circulated but al- most immediately denied, that the oth- CT bodies had been recovered.
Truth. [volume] (Salt Lake City, Utah) 1901-1908, 1907-05-11

The Detroit Free Press says:
Mayor Busse of Chicago will be
the first to serve a four-year term in
that office" Perhaps not. He may
get sick of the job.
If Secretary Taft resigns to run for
the presidency, we are wondering
what three men the President will
appoint to occupy his seat in the cab
met.
Water drinkers will grow fat 4"
says Prof. Wiley, chief of the ex-
perimental division of the agricult-
ural department. Good news for Pro-
hibitionists.
Truth. [volume] (Salt Lake City, Utah) 1901-1908, 1907-05-11
SALT LAKE ROUTE.
Rates and Dates for Excursions to
Various Points.

The line is open.
Miners exclusion to Nevada points
daily
Goldfield and Tonopah now reached
by this line. Shortest route.
Big mining excursion to Beaver
County mines leaving tonight
Excursion to Garfield smelters on
Sunday. soc. Three trains
Colonist rates to San Francisco or
Los Angeles only SIS.
Shrine special rates for the big con-
vention in May.
Only $50 round trip to Los Ange-
les, sale begins April Goth.
Tickets to all points in Arizona by
shortest line. Low rates.
Thoresen & Hanson trip to Tia
Juana leaving April GOTH
Truth. [volume] (Salt Lake City, Utah) 1901-1908, 1907-05-11
NAUVOO LEGION.

The next monthly meeting of the
association will be held Friday even
ing, May 18TH, at the Bishops office,
Tithing Yard, at 8 o'clock. A full
attendance is requested as business
of Importance will have to be de-
cided upon, and arrangements made
to join in the parade on Decoration
day, May goth.
VIM. Nj. BROWN,
Secy. A. N. L.
Truth. [volume] (Salt Lake City, Utah) 1901-1908, 1907-05-11

dancers, in which makeup they in
dulge in acrobatic stunts of the fast
and furious order. Their dialogue
also is a scream and taken all in all it
is decidedly hilarious turn that gets
both parts of the house early and
often.
The acrobatic act that assays "a
carat fine is that of Les Kiners Mou-
lin, European hand-balancers with
iron muscles and daring feats.
Then there is dainty Dorothy Drew
pretty of face, graceful of figure and
withal gorgeously arrayed in the lat
est creations. Miss Drew sings
songs in sweet voice and tells stories
in delightful manner that make her
one of the popular condolences on
the vaudeville stage.
James Brockman and company pre-
sent "The Count of No Account"
introducing the Phillips Sisters and
Tom Yost in songs and dances.
Their act is one bound to make a hit
with those who love good singing
and dancing. Mr.. Brockman as a
tenor has been compared to Con-
stantino, whom he also resembles in
face and figure. The Count of No
Account furnished an entertainment
in which comedy and sentiment are
judiciously distributed.
De Coe, the man with the tables
and the chairs, is down to admins
ter some thrills. He is a clever bal
ANGER who has penchant for stack
ing up chairs and tables and then
climbing on the top rung and risk
ing his neck at every performance.
The kinodrome will be there with
some of the very latest novelties in
animated scenes and motion picture
comedy-dramas and taken all in all
the new bill gives every promise OF
being winner all along the line.
Truth. [volume] (Salt Lake City, Utah) 1901-1908, 1907-05-11

Violence is seldom justifable but
what are people to do when they
learn that the Rev. E. Lawrence
Hunt is to take the lecture platform?
Truth. [volume] (Salt Lake City, Utah) 1901-1908, 1907-05-11

Secy. A. N. L.
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

in every case which l hare inves-
tigated," said an officer of a surety
company 81 have found woman at
the bottom. Although the man stole
the money to gamble or speculate,
when searching inquiry is made we
always found woman who was ex-
travagant, with whom the man had
become infatuated, or wife who
nagged him for more than he could
afford
Men frequently embezzle to invest
in schemes which they are led to be-
lieve will turn out well. They are
probably married and desire to get
ahead socially. They need money to
do it.
Their homes must be well fur
nished, their wives beautifully dress
ed The situation goads them to take
the risk. Without any thought os be-
ing dishonest they use the banks
money for personal investments.
with a man who becomes infatu-
ated with a dashing woman the end
comes more quickly. There is a rapid
pace, with motor cars, theaters, cafes
and other places OF entertainment. He
loses his head, loses all sense OF dis
erection. Recently an official OF large
Chicago bank threw $40 bills to a bal
let dancer on a theater stage. This ex-
cited suspicion. His accounts were
investigated, and to-day he is serving
in prison"
Thefts of "Big Men,"
The majority OF bank thefts, &C
cording to bonding concerns, are by
employees of the nstitution-cashiers
tellers, clerks. More money, however,
is usually stolen by dishonest presi-
dents or other officers. The aggregate
stolen by employees is comparatively
small compared with the tremendous
thefts of the "big men"
Bank embezzlements during 1906,
according to figures supplied by big
bonding company OF New York,
amounted to $12,S35,215. This total
was the greatest since 1894, when de-
falcations, following the panic of 1898,
amounted to s25,234, 112. The average
amount Of money which surety COM
panies of the country are called upon
to make good is said to be 100000 a
month.
An embezzlement, according to the
representative of surety company,
IS reported in Philadelphia every two
weeks. The average Is said to be
proportionately larger in New York
and Chicago
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

misleading-a thing which Blanks ad-
vertising should never be-they at.
tract the attention of the reader and
possible purchaser because they tell
about some one thing that he may pos
sibly want.
The mail-order man makes run
on a few things which he is willing to
sell at close margin of profit In or
der to attract trade in his general line
on which heavy profits are made.
Blank should advertise hardware In
much the same manner the mail-order
man advertises hardware, and he has
this advantage-he can invite the peo-
pie of the community to visit his store
and see the goods for themselves so
they will know Just what they are buy
ing.
II, instead Of expressing meaning
less generalities in a two-inch space,
Blank had used q little more space
and properly displayed an advertise
ment something like the following he
would have been sure to have at
tracted attention to his store, and in
all probability would have been sur
prised at the drawing power of his ad
vertising:
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

They usually have access TO the
vaults whore money and bonds are
deposited.
Although there is usually some APP
parent reason why men become de.
faulters, sometimes II is impossible to
find the cause; 1t seems Incompetent
sible to the men themselves.
Concerning such cases, tho presl
dent of prominent surety company
has made an interesting statement:
Presidents of banks and trust COM
panies who sometimes involve their
institutions for large sums are often
condemned for dishonesty when their
real fault is bad Judgment. 1t may
be that the president has conducted
his bank on conservative lines until
he is implicitly trusted. The board Of
directors gladly intrusts its own re-
sponsibilities upon his shoulders and
leaves him to run the business.
In Tolls Of Promoter.
Presently along comes promoter
with more audacity than judgment
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25
HOW TO ADVERTISE
EFFECTIVE METHODS THAT WILL
BRING RESULTS.
SHOULD TELL THE PRICES
Seneralltles Are Meaningless 80 the
Publlc-Why the Mail.order Man
Wins--Try tho Plan.

II you, Mr., Merchant, would compete
with the mail-order houses there are
three main essentials to SUCCESSIVE
goods--the prices-advertising.
The last OF these Is quite as essen.
tial as either of the others.
In the great majority of cases the
local merchant has the goods, and he
makes the prices, but in very many
cases he either fails to do the adver-
Using, or what he does do is not effec.
tive in the same way that the mail
order mans advertising is effective.
The writing of effective advertising
is not an art, II is not business that
requires years OF study to learn A
few hours Of study and comparison
viii give you every essential detail
that you will need.
1t is comparatively safe to say that
rs per cent. OF the advertising carried
by local merchants in the local papers
is worded in generalities only. Such
advertisements as the following are
found In every paper:
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

| 1t is likely he would not have been
discovered. The case was hushed up
and never made public,
Discoveries Of defalcatlons seem to
run closely after each other. Follow.
ing a big exposure will be the discov-
cry of many minor thefts.
I'VE account for this" said the head
of surety company, "by the feeling
of fear which fills men who have been
quietly stealing They hear OF de-
faulter's arrest and they lose their
nerve
They make up their minds to fee
to safety before they are found out.
Usually If any money is handy they
take it and skip. You will find that
in the same month the Nipple and
Stensland embezzlements were made
known there were many exposures in
smaller banks"
Fever of Getting Rich.
What remedy would l suggest for
the dishonest man in banks?" said a
man who has made a study of finan-
cial conditions. There is one remedy
among the big men-an unfailing
sense of honor, integrity OF character.
pure, clean, moral lives.
But the fever of getting rich has
inflamsd the country. Men are impa.
tient to get money; in fact, they do
not care to wait for good investments
to work out slowly. They wish to
plunge, to go headlong into any prom.
Using scheme.
1T must be remembered that al.
though the amounts of bank thefts
have been increasing this does not
mean that the percentage Of such
crimes Is increasing per thousand OF
population. Besiden. there Is a great
deal more money in banks now than
20 years ago.
The stupeRdous figures of defalca-
tons In this country, however, indi.
cate state OF very loose morals In
our business life. Then, too, with the
desire to get rich there is a growing
desire for expensive hobbies and ex.
pensiVe living. The rising financial
fever is accompanied by a fever Of
corresponding gayety. And a gay life
costs money"
Proportion Of Defaulters.
About one man in 1900 defaults,
This shows high standard among
employees OF financial institutions.
Two of tta strongest deterrents
from dishonesty" said the president
of surety company, ARE the surety
bond and the home. A man who de.
faults knows the surety company will
punish him. II makes no difference
to us II we have to wait Ave or six
years.
Home ties are perhaps the best in.
ducement to honesty A man will
think many times before he will com.
NIT crime which will disgrace him
before his wife and separate him from
his home. Another strong influence
for keeping men straight Is the press.
BY publishing exposures. both OF high
and low, a man, knowing the disgrace
of exposure, will stop before he
steals"
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

should quote In his advertisements
should show the public that he Is
giving bargains. they should be prices
that would compare favorably with the
prices Of the mall.order catalogues,
and he should impress 1t upon the
public that he not only shows them
what they are buying before they pay
for 1t, but that the purchaser has no
freight to pay, and does not have 10
walt an interminable time for the
goods he buys, as when ordering OF
the mail order houses.
II Is specific advertising that draws
The advertiser who describes in de-
tail the goods he has to sell. and
quotes the price he asks for It will
attract tho favorable attention OF the
public far more often than the one
who deals only In generalities. II Is
this kind OF advertising that pays. It
is this kind of advertising that is at
tracing the dollars from the smaller
cities and towns and farms to the mail
order houses OF the city II is this
kind OF advertising that drew $780,.
100000 into the Golfers OF the Chicago
mail-order houses alone last year, and
IL is this kind OF advertising on the
part OF the local merchants that the
mail-order houses fear more than any
other one thing,
But, Mr., Merchant, whether your
line be hardware. dry goods, groceries,
clothing or other commodities, IL is
we'll to go further than your newspa
per advertising, though this is the
foundation of success. Go to the local
printer and have him make you little
catalogues of your own. They do not
need to be large affairs, but small
folders OF four, eight or 16 pages. Put
into these folders the descriptions and
prices OF the goods you are carrying,
or leaders in the line Be sure that
the prices quoted are right. then put
one of these into the hands OF every
customer; keep them circulating
throughout the community, and make
practice of getting out a new one
every few weeks.
You, Mr.. Merchant, can make adver.
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

Boston..-It is only a defalcatlon of
cal attention.
When the wrongdoing Of President
Frank Nipple caused the 100000
crash Of the Real Estate Trust com
pany, of Philadelphia; when Paul o.
Stensland wrecked the Milwaukee
Avenue State bank of Chicago through
his incorporation Of S1,500,00 and
when. more recently, Treasurer VIII
liam F. Walker dis 1eared with
S565,000 Of securities belonging to the
Savings Bank of New Britain, Conn.,
in a big case of this kind the busy
world pauses to gasp at the enormity
OF the crime and to bestow n fleeing
pity upon the victims.
Now and then remarkable theft
attracts moro than ordinary atten-
ton because of the difficulties over
come. Only short time ago 1t was
announced that s173.oco in currency
had been stolen from the United
States sub-treasury at Chicago under
circumstances that baffled score of
keenwitted secret service men.
But, as Pierre Jay, commissioner of
banking of Massachusetts. has point
ed out, there are many entertainments
that are never known by the public.
The amounts involved are made good
by relatives and friends, or are quiet
ly charged up to profit and loss.
There are three entertainments
where one is reported" said the head
of a surety company the other day.
Personally, | believe financial insti-
tutions are being robbed every day"
This seems serious; 1t is serious,
but one should remember that there
are great number Of institutions
handling the peoples money.
Did you know that on September
l last there were in the United States
6.137 national banks-an increase Of
4.065 since 18S0--S,862 state banks,
742 loan and trust companies, 1919
savings banks and 929 private banks?
Causes of Dishonesty.
But what causes dishonesty among
employees and officials of financial in
stitutions?
Why do mon. occupying positions of
trust and honor, who are generally re-
spected, stand high, often in the
church, are morally clean, SO far as
known. with families and pleasant
homes-why do they become thieves
and purloin thousands of dollars not
their own?
From Investigation ! of the cases Of
men who have betrayed their trust,
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25
EMZ0NEEcS kNLH XkHlp

He presents scheme that Is daring
but still within bounds, offers the
bank extra high interest, and perhaps
a bonus besides; he gets the loan ant
pays it.
THE venture Is repeated until the
president is dazzled by the brilliance
Of the promoters genius. At last q
note cannot be taken up when due
he.venture may be legitimate, but Ill
judged. 1t is necessary to advance
more money to safeguard the original
investment.
Here the president makes his fatal
misstep. Instead of laying the whole
matter before the board and confess
ing his original mistake, he makes an
additional loan on his own responsi.
bility and is still more deeply involved.
BY this time he Is ashamed to tell
the board of directors, and SO he goes
on getting deeper and deeper In the
mire until the inevitable crash"
How to Prevent Looting.
Orson Smith, one of Chicagos best
exposure, declared that a new law of
incorporation was necessary to pre-.
vent the looting of banks.
"The state bank examinations are
all right" he said. mo law you can
frame will prevent a thief from steal
ing IL you give him a chance Place
your money in his hands and he is
sure to run away with It II the way Is
open.
Suppose you are carrying in your
vaults lot of fraudulent paper, which
on its face appears to be all straight,
how is any bank examiner going to
discover 1t? 1t Is absolutely impossl-
BILE for him to prove the genuineness
or falseness of every signature on the
paper that is shown him as securities
held by the bank as collateral for
loans. He must simply take them to
be what they appear to be on the face.
"The state bank examination law
is all right, and it is just as efficiently
administered as the national bank
law. 1t Is not so much change In
Tic law we
want as a law regarding the incor-
poration of banks.
1T Is much too easy to incorporate
banks now. The law should be partic-
ular regarding the incorporators and
the nature Of the securities they offer
in the first instance. Once they get
started it is too late to correct the
evils which should be prevented at
the beginning, If you want reform,
that is where it should begin"
Easy to Start Bank.
Ease with which a bank may be
started was illustrated at Middleport.
Ohio, last fall. The president of an
institution there disappeared and
$4,000 of the banks money was
found missing.
This man, it was stated, at one time
started a national bank in that town.
but this was closed and its accounts
settled Then the banker induced a
retired clergyman 10 enter business
with him and open private bank.
The clergyman converted his prop.
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25
NO THoRNs IN HER PATH.
Josephine Daskam Writes In Tribute
OF the Golden Rule.

II believe myself to be notably for.
tunate In my relations with my do.
nestle employees. During a period of
eight years, in which have employed
household labor in four widely differ.
ent places, have never once been ad.
dressed with intentional disrespect by
any person in my employ" says Jose
phine Daskam Bacon In the American
Magazine.
Il have never been left day with
out my regular staff of employees,
which has varied from one to five
chat Is to say, that l have never
been left suddenly or without suffi-
cient notice to supply the vacancy.
Il have never had a satisfactory
worker leave me except for what ]
considered a good reason Tin the ma.
jority of cases an advantageous mar.
riage).
Il have never lost an unsatisfactory
one except by my own dismissal.
have never to my knowledge, or even
suspicion, suffered the loss of pen
ny's worth by theft, and my record
for breakage is such that it produces
utter Incredibly
I'm three cases out of four have
had services willingly and frequently
offered me along lines where it was
not expected or requested. have
had extra money offered by nue. to OF
set extra work occasioned by sickness
refused on the ground that at such
times all the household expected to
share the trouble.
And as climax | am able to state
that once, at least. on my offering a
raise in wages to express my appreci-
alton or competent and devoted serv-
ice was met with the astounding sug-
gestion that as my expenses were
heavy at the time and likely to in
crease had better not consider it
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

Using pay larger returns than the
mah-order man secures; you can make
1t the mainstay Of your business, and
you can make 1t the means of killing
the mail-order competition in your
community. And when you do this
do not begrudge the publisher the
reasonable price he asks you for ade-
quate space in his columns. He will
give you better value than any other
commodity you can buy.
WRIGHT A. PATTERSON.
Custer County Republican. (Broken Bow, Neb.) 1882-1921, 1907-04-25

three general Teaccus have been
found
Speculation.
Womap,
Social ambition
In nearly every instance one or
more Of those reasons has caused the
downfall.
First of all. it 10 tie desire to get
rich quick which lures men to their
fall Gambling. whether it be on the
races or. IN tho stock markets, has
been the cause Of many mans ruin.
Having access 70 money, the bank
president or employe who has gotten
himself into n difficulty takes surrep-
titous ,oan. fully intending to pay it
back; failure follows failure, loss
comes after loss. until at last there
is the Inevitable discovery.