davidaulloa/AmericanStories huggingface dataset:
The times dispatch. [volume] (Richmond, Va.) 1903-1914, 1907-01-27
Muslin Underwear

Made best Knit Loom Cotton. FUN
'front.' pearl buttons. trimmed in
u..k and arms with linen torchon
lare anna gathered back bound
edges
2Dc Ladies' Pants. Gac.
Made OF Audroscoggia Muslin. fn
two styles--oue with torchou lace.
other hemstitcuod uouuce, in mo-
dlum and extra SIZE
s. Hand Embroidered Gowns.
$50. You ought TO see them.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

amount Of money which surety com.
panies of the country are called upon
to make good is said to be $400, 900 a
month. - .>--.s
! An embezzlement, according to the
representative of a surety company,
is reported in Philadelphia every two
weeks. The average is said to be
proportionately larger in New York
and Chicago.
The fascination of stalking money,
the zest of uncertainty, as we'll as the
possibility of winning big stakes,
tempt clerks to speculate. While the
bank president may be taking plunges
in stocks and sustaining heavy losses,
the employee may be playing the races
or taking chances in the bucket shops.
Both lead to ruin.
Methods Of Pecuiation.
Methods CT peculating are MANY.
One of the most common among EN-.
ployes is to falsify deposit Slips and
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

bamboo thicket, ,butting down great
trees as carelessly as though they
were cornstalks; these fall across the
way together with a small avalanche
of rotten boughs, placing your life dis
tinctly in jeopardy and causing you to
wonder anxiously whether in the event
of dearth of bamboo you yourself
may not be selected as a substitute.
Tired of this pastime,' you will OBJ
serve him surreptitiously. filing his
trunk with the semi-liquid mud by the
roadside, which he appears to have
swallowed until a sudden carefully
aimed jet covers you from head to
foot. The next moment he is trotting
docilely by his mothers side, his
whole being radiatjng inqocence and
defying calumny. .,s.. .-..... =.=35
Perhaps the most amusing episode
in our baby's infinite variety Of enter
tainment was once when fording a
brook he slipped on the muddy bank
and landed on his back in midstream,
where he lay, with. his legs. waving
absurdly In the air, as helpless as an
overturned beetle; the fond parent,
seeing his predicament, was obligedto
return and support him until he could
regain his feet. ss.s
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

1t is the custom to keep the catafa,.
que waiting: outside the door. with tho
casket lying on it,. The men nasajnp
in the street all. remove their hats'
Many go up and look at the date ~
death and the age and most saw a svn,
pathetic word. ~
There are fully as many carriaaes
as at the funerals of the poor here in
this city. When, all preparations have
been made, the procession sets m
The hearse leads off and progress ia
made in the city at snail's pace II
the way. is muddy, as is not unus,al
the mutes walking alongside pat
splashed from foot to head with ths
sticky s; disagreeable, Madrid mud. e..
When the procession gets into III.
outskirts of the town there is a change
The mutes generally pile up behind
on the carriages and by the time tho
cemetery ts reached the PROCESSION
has lost something of its. dignity. This
may be imagined from the. fact IN : )
some Of, tho mutes are clineInr IL
straps In back Of the coffin and lanp,.
ing and testing as they jolt along. - 81
Such g funeral will cost very close
.to 8 ,oQ0 and lil that IS nptt iaered
-> ), 80
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

In nearly every instance one or
more of these reasons has caused the
downfall.
First OF all, it is the desire to get
rich quick which lures men to their
fall. Gambling, whether it be on the
races or in the stock markets, has
been the cause of many a mans ruin.
Having access to money, the bank
president or employe who has gotten
himself into difficulty takes surrep-
titious loan, fully intending to pay it
back; failure. follows failure, loss
comes after loss, until at last there
is the inevitable discovery
in every case which I have inves-
tigated,' said an officer of a surety
company, Il have found woman at
the bottom. Although the man stole
the money to gamble or speculate.
when searching inquiry is made we
always found a woman who was ex-
travagant. with whom the man had
become infatuated, or a 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 we'll. 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 OF be-
ing, dishonest they use the banks
money for personal investments.
with 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
cretion. Recently an official of a large
Chicago bank threw $50 bills to bal
let dancer on 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 institution-cashiers
tellers, clerks. More money. however,
is usually stolen by dishonest presi-
dents or other officers. The aggregate
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
1T is much too easy to incorporate
EMZ0Kkf5 EMlX kSNP

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 NAV he
| 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 national bank in that town.
| but this was closed and it's accounts
settled. Then the banker induced a
retired clergyman to enter business
with him and open private bank.
The clergyman converted his prop
erty into cash and invested $4,000.
For time the new institution seemed
to flourish. but one morning it was
found that the president was missing,
In the vaults were only $4,000 in cash
and paper worth less than $4,000.
The bank building was found to be
mortgaged to it's full value.
Fever Of Getting Rich.
What remedy would l suggest for
the dishonest man in banks?" said a
! man who has made 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
intlamed the country. Men are impa-
| tlent 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
ut 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. Besides, there is a great
deal more money in banks now than
20 years ago.
The stupendous figures of defalca.
tions 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 growing
desire for expensive hobbies and ex.
pensive living. The rising financial
fever is accompanied by fever OF
corresponding gayety. And a cav life
! costs money"
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
GAUDY FUNERALS IN SPAIN.
Much Pomp and Expense Attached to
Being Buried Properly.

Getting buried in Spain, especially
in a large city like Madrid, costs a
great deal, of"fmoney. To begin with,
there is a huge black carriage with
enormous C springs, made up of sin
gle flat platform designed to support
the casket.s %. ,.z,.... f<,....:> 4. .-
This is covered, but it is not Enclosed
with glass as the funeral coaches here.
It is open on all Sides. There are four
huge black plumes which decorate the
carriage. Wreaths hang on. the four
posts of the platform. t.. -
The wagon is drawn by any number
of horses. The favorite number is ten.
They are harnessed In pairs. It gives
a sort OF. tallyho effect. All the horses
carry huge nodding plumes on the
head, fixed in the harness. &t5' ,4s7l Ill.,
To walk alongside the horses and IN
the rear there ar6 mutest wearing black
knee breeches, with black otkings
and long black 81 belly coats. They
wear black three ornered hats and
wigs q. white, lth pigtails,
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
FINLAND,

The final reports from the election
OF members to the handbag show that
the Socialists elected eighty out of
the two hundred members In many
cases the thirteen "Agrarians' will also
vote with the Socialists. so that the
socialists will come within a few votes
of controlling the. national Legislature
OF Finland. The so-called "Old Films
elected So mdmbers. The Young
Firms" who represent the present ad-
ministration, elected only % members,
and the Swedish party "a. The land
dag will convene in the early part of
May next
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
SCANDINAVIAN NEWS
PRINCIPAL Events Gathered IL, tho 40
i r. Old Scandinavian Countries W
DENMARK,
Blsnop Frederick Nielsen of Aarches
lled at the age of eighty

blsnop Frederick Nielsen of Aarches
dled at the age of eighty.
The city council of COPENHAGEN has
passed a resolution to enlarge the
electric power plant at a cost of $685.
900.
ABOUT 1000 veterans from Danish
herman wars held a meeting at Aal-
Borg and by a unanimous vote resolved
TO request the government to grant a
oonus to the veterans of the war of
1864.
:, A man who was planting trees in
LanSeso forest, Odense, struck a
bronze urn containing 1900 very old
CONS, some Of them dating from the
eleventh century,
FAMILY in village east of Silke-
pors had cat which was doing good
service, but which was to thievish that
they decided to get rid of her. They
could not bear to kill her, so the head
OF the family put her into a basket
ana took her along when he went to
Town There Is forest close to Sill
keborg. and there he left puss, being
sure that she would go to some farm
mouse and shift for herself. Having
hnlsred his business in town, he re-
turned home late in the afternoon. He
came home at dusk, and his wife met
MN in the yard. "Welcome home!
Dld you succeed in getting rid of the
cat?' Yes, I chased her into the for
est, and she'll strike some place.
'Glad you got rid of the rascal. But
you must come in right off, for have
not pancakes for YOU The good wo-
man had placed the pancakes on the
table before going out to meet her
husband, but when the two came in
the plate was standing empty on the
table, and the cat was eating the last
pancake under the table,
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

deposit books of persons who have
dormant accounts and to falsify en-
tries of cash taken in.
Men higher up" can make loans on
bogus securities and substitute
mems" or notes showing false loans.
They usually have access to the
vaults where money and bonds are
deposited.
Although there is usually some ap-
parent reason why men become de-
faulters, sometimes it is impossible to
find the cause: it seems Incompetent
sible to the men themselves.
Concerning such cases, the presi-
dent of a 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 it's own re-
sponsibilities upon his shoulders and
leaves him to run the business.
In Tolls Of Promoter.
presently along comes a promoter
with more audacity than judgment.
He presents a scheme that is daring,
but still within bounds, offers the
bank extra high interest, and perhaps
a bonus besides; he gets the loan and
pays it.
THE venture is repeated until the
president is dazzled by the brilliance
of the promoters genius. At last a
note cannot be taken up when due.
The 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 RESPONSE.
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 Chicago's best
known bankers, after the Stensland
exposure. declared that a new law OF
Incorporation. was necessary to pre-
vent the footing of banks.
'The state bank examinations are
all right" he said. ::'No law you can
frame will prevent thief from steal
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
BABY ELEPHANT At PLAY.
Fun One Six Months Old Had in a
r.'.< Malay Jungle.

Mr.. Burgess had most kindly sent
back government elephants for the
luggage, and on their return proposed
that we should take them on to the
next post, erik, where others could
probably be hired from the natives.
This we agreed to do, and on a clear,
sunny morning, which, contrasted
cheerfully with the previous downpour,
set out with five elephants and baby
elephant accompanying it's mother,
writes j. C.. Grew in Badminton Maya
zine, describing.a journey through the
Malay jungle. r.. -. g., x 49,.
a source of continuous amusement
to us were the antics Of the baby ele-
phant. You have seen kitten career
madly around after its tail or a puppy
4 tumble over itself in paroxysms OF
splayfulness. but have you witnessed an
elephant at the tender age of six
months expressing Its uncontainable
spirits? Isassure you there IS nothing
more excruciating II funny
To begin with, he SUI denly charges
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

Boston.-It is only defalcation of
cal attention.
When the wrongdoing of President
Frank Nipple caused the $7,O0O,OOO
crash Of the Real Estate Trust COM
pany, of Philadelphia; when Paul O.
Stensland wrecked the Milwaukee
Avenue State bank of Chicago through
his misappropriation of $1,5OO,O00 and
when, more recently, Treasurer Will
liam F. Walker disappeared with
$5S6.OOO of securities belonging to the
Savings Bank of New Britain. Conn
In big case Of this kind the busy
world pauses to gasp at the enormity
OF the crime and to bestow fleeing
pity upon the victims.
Now and then "a remarkable theft
attracts more than ordinary atten-
ton because of the difficulties over
come Only a short time ago it was
announced that $4,000 in currency
had been stolen from the United
States sub-treasury at Chicago under
circumstances that baf11ed score of
keen-witted secret service men.
But, as Pierre Jay. commissioner Of
banking Of Massachusetts. has point
ed out, there are many embellishments
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 embellishments
where one is reported" said the head
OF surety company the other day.
personally. believe financial insti-
tutions are being robbed every day"
This seems serious; it is serious,
but one should remember that there
are great number of institutions
handling the peoples money.
Did you know that on September
! last there were in the United States
6,l37 national banks-an increase of
1865 since 1SSO-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
situations?
Why do men. 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
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

Ing If you give him q chance. Place
your money in. his hands and he is
sure to run away with 1t If the way is
open.
Suppose you are carrying in your
vaults lot Of fraudulent paper, which
on it's face appears to be all straight,
how is any bank examiner going to
discover it: 1t is absolutely impossi-
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 tQ
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 a change in
the law regarding examinations we
want as law regarding the incor-
poration of banks.
1T is much too easy to incorporate
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
INFORMATION WANTED.

Stranger-Beg pardon, sir, but you
have it in your power to do me a
great favor, and one that will gladly
repay.
Bankrupt (sadly)-I? I am afraid
YOU have made a mistake. I am of
no use to anybody. l have just failed
for half a million, with no assets.
$50 l heard
"You knew it, and yet you say I
can be q service to your
Eyes, sir, 1 beg you will not re-
fuse"
But what can a miserable bankrupt
like nae do for any one?'
Il want you to tell me, sir, how
you got SO much credit. l am from
Chicago"
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
Value of Experience,

Fond Mother-Why,a my dear, what
is the matter?
Daughter (recently marrieD-Boo,
hoo! My husband doesn't-lo-love me
any more. He didn't kiss me when
he came home, and he-he kept edg-
ing away from me whenever l went
near him; and-and now he's in the
library, and don't want-don't want
to be disturbed-boo, hoo, hoo:
Fond :Mother-Calm yourself, my
dear. He loves you as much as ever,
but I suppose he has taken drink.
and doesn't want you to know it
n. Y. Weekly.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

Not Justified.

Mrs. Uppson-Your former nursa
girl applied to me for position to-day,
Why did she leave your employ?
Mrs. DeStyle-She whipped darling
Fido numerically for almost nothing.
Mrs. Uppson-Indeed!
Mrs. DeStyle-Yes: he hadn't done
a thing but bite the baby--Chicaso
Daily News.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
First Of All.

F1TSl OF NII.
The eXcitable individual came in
late and when the man in the coat
room took longer than usual to check
his coat his temper knew no bounds
Hurry up" he exploded, land
check my coat! Can't you see l have
been standing here an hour?"
My man." replied the other, calm
", 1T is not your coat you want
checked"
Then what is it, blockhead?"
"Why your temper, sir. Chicago
Daily News
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

stolen by employees is comparatively
small compared with the tremendous
thefts of the 'big men,
Bank embellishments during 1906,
according to figures supplied by a big
bonding company of New York,
amounted to s12,s35,215. This total
was the greatest since 1894, when de.
falcations, following the panic of 1893,
amounted to $25,234,112. The average
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
A Gentle Hint.

He-Tell me, confdentially, how
much did the bonnet cost you?
4 She George, there is but one way
in which you can obtain, the right to
inspect my millinery bills. IS
He popped. Royal Magazine.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
Probably.

First Passenger wonder why we
are making such long stop at this
station?
; Second "a traveller of experience)-
I presume it is because no one hap
pens to be trying to catch the train.
Royal Magazine. 4~... 49,,
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
His Idea of 1t,

tbs IUSd OF IC.
"Of course you are in favor of i'm
proving the consular service?"
Il am answered Senator Sor-
ehum. What We want in all branches
of government service is corps of
subordinate employees SO proficient
that the person appointed as the head
can't possibly go wrong."-Washing.
ton Star.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
Accumuiatinu Them,

did your friend who travels, so
much get the grip this winter"
. Very much SO; he got two of mine
and one of my brothers. baltimore
American. 49,.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
A Taking Girl.

She took my hand in sheltered hooks,
She took my flowers, money, books,
Gloves-anything I cared to send
She took my rival in the end.
-ROyal Magazine.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
Joshinu Her.

Mr.. A-Going down town to select
your spring hat, eh? Well, you bet
ter wait until night.
Mrs. A. Tin surprise) - Night,
George? Why?:
Mr.. A.-Didn't you say it was going
to be dream?- Chicago Daily News.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
|K2SAZ So 81 k5zE31x9
STILES
Will Power Wins All.

VIII Power Wins AT.
Everything yields before the strong
and earnest will. 1t grows by exercise.
1t excites confidence in others, while
it takes to itself the lead. Difficulties,
before which mere cleverness fails,
and which leaves the irresolute pros
trate and helpless, vanish before it.
They not only do not impede it's prog
ress, but it often makes of them step
ping-stones to a higher and more en-
during triumph-Dr. Tulloch.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

"Minks plays golf so we'll he ought
to be a professional"
eyes, I suggested it to him, but he
says nothing would induce him to
work so hard in hot weather.
Brooklyn Eagle.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

He-You don't realize how I love
you. I could die kissing you!
She-W'ell, perhaps if you come
round tomorrow when fathers here
you can crafty your ambition
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

Gent in Light Overcoat-By the
way, please apologize to your wife for
me. Passed her last night without
speaking
Gent in Frock Coat-Oh. that's all
night, old chap. often do so my.
self!
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
Inside Information.

If every mortal would confess
All frankly what he must endure
How often would we scorn success:
How often envy lives obscure. go
washington Star Ia
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17

homes-why do they become thieves
and purloin thousands of dollars not
their own?
From investigations of the cases of
men who have betrayed their trust,
three general reasons have been
found:
! Speculation.
Woman.
I. Social ambition.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
So Nice of Them.

Gunner-l tried to tease my wife
about women always getting OF the
street car backward. She said it was
etiquette.
Guyer-Etiquette?
Gunner-Yes, she said they consid-
cred it impolite to turn their Lacks
On the conductor.-Chicago Daily
News.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
EcIipsed.

EclpSed.
The fashionable girl wept
'Confide!' said mamma.
"Boo-hoo'" sobbed the girl Il am
always receiving disappointments. You
know l had made arrangements to
startle society by clipping with our
chauffeur
yes, my dear"
"Well. l have just found out that
Ethel Glider is passing the tip that she
is going to elope with the pilot OF an
airship. ''-Chicago Daily News.
Willmar tribune. [volume] (Willmar, Minn.) 1895-1931, 1907-04-17
"Wh2t Shall We Saw"

What Shall We SayW
What is the Gelay?" asked the pros
ecuting attorney Of the foreman OF the
grand jury Haven't you indicted
the corporation men?"
yes; we indicted them an hour
and a half ago. responded the fore
man. But the jurrr1en are in
deadlock over the wording of the
apology that must go along with the
indictment. Judge,