davidaulloa/AmericanStories huggingface dataset:
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

He presents scheme that Is daring,
but still within bounds, offers the
bank extra high interest, and perhaps
bonus besides; he gets the loan and
pays 1t.
"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 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 Lootins.
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 looting of banks
"rhe state bank examinations are
oil right" he said. mo law you can
frame will prevent a thief from steal
ing II you give him a chance. Place
your money In his hands and he IL
sure to run away with II IL 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 IL 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 fol-
loans. He must simply take them to
he 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. II Is not so much change In
the law regarding examinations we
want as 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 gel
started 1t Is too late to correct the
evils which should be prevented al
tho beginning. II yon want reform
that is where 1t should begin"
Easy to start Bank.
Ease with which 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 wal
round missing.
This man. II was stated, at one time
started a national bank In that town
, but this was closed and its accounts
settled. Then the banker induced {
retired clergyman to enter business
with him and open private bank
The clergyman converted his prop
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
EH/ZOXEfS EHLX HHP


It Is likely he would not have been
discovered. The case was hushed up
and never made public.
Discoveries of defalcations seem to
run closely after each other. Follow.
ing 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 a de-
faulter's arrest and they lose their
nerve.
"They make pp their minds to fee
to safety before they are found out.
Usually II any money Is handy they
take 1t 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 | 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
infiamed the country. Men are impa-
tient to get money; In fact, they dc
not care to wait for good investments
to work out slowly They wish to
plunge, to go headlong into any prom.
iGing 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. Besides, there Is great
deal more money in banks now than
20 years ago.
"The stupendous figures OF defalca
tions in this country. however, indi
cate a 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 DefauIters.
About one man in 1900 defaults
| This shows high standard among
employees OF financial institutions.
1.-TWO of. the strongest deterrents
from dishonesty" said the president
of surety company, ''are the sure ty
bond and the home. A man wao de
faults knows the surety company will
punish him. 1t makes no difference
to us n we have to walt five 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 aim from
his home. Another strong influence
for keeping men straight is the press
BY publishing exposures. both of higl
and low. a man. knowing the disgrace
OF exposure, will;istop before he
steals"
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
A Preventive.

Smith-So you think smoking pre-
vents headaches:
Brown-Rather. Ny mother-in-law
always gets up and goes out of the
room as soon as light cigar.
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

T'hey 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 1t is impossible TO
md the cause; II seems incomprehsn-
sible to the men themselves.
Concerning such cases. the presi-
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. II 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-
sponslbllities upon his shoulders and
leaves him to run the business.
In Tolls Of Promoter.
Presently along comes promoter
with more audacity than judgment.
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

forty years OF age and was born at
Waton.on-Tham England. His Ia
ther was the gifted sculptor and poet
w. w. Story, who was himself son
of the great jurist Joseph Story, Justice
of the United States supreme court
and one OF the most noted men OF his
day Mr.. Julian story was educated at
Eton and oxford and was a pupil In
art of Frank Dnveneck. Boulanger and
Lefebre In Paris. He maintains stu
dlos in Paris and Philadelphia, is q
chevalier of the French Legion OF Hon.
or and has won many medals by his
work. One of his best known pictures
Is q painting Of his wife.
Nine. Eames was born In 1867 In
Shanghai, China, where her father, q
distinguished lawyer, was engaged In
practice in international cases. She
was educated In Boston and In Paris,
where in 1889 ut the Paris Grand
Opera she made her debut In Gounod's q
"Romeo ct Jullette." Her American
debut was made Mt the Metropolitan
Opera House, New York, two years
later. She married Mr.. Story In 1891.
The latter in speaking of her since di.
vorce proceedings were begun has said:
"My desire. while absolutely deny.
Ing the charges, Is not to say an angry
word or to do an unchivalrous thing
toward her. have only the best and
kindllest aud gentlest words to say Of
her. No one knows her better than /;
no one shall have kindlier words to say
Of her now and always"
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
reasons have been

three general reasons have been
found;
Speculation.
Woman.
Social ambition.
In nearly every Instance one or
more Of these reasons has caused the
downfall.
First OF all, 1t 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 q mans ruin.
liaying access to money. the bank
president or employe who has gotten
himself into dltiiculty takes surrcp-
titious loan. fully intending to pay It
back; failure follows failure, loss
comes After loss. until az last thsr0
= the Inevitable discovery,
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

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 employe may be playing the races
or taking chances In the bucket shops
Both lead to ruin.
Methods Of psculation.
Methods of peculating are many
One of the most common among EN-
ployes is to falsify deposit slips and
deposit books OF persons who have
dormant accounts and to falsify en-
tries Of cash taken in.
Men higher up" can make hoans or
hoSua securities and substitut.
"Mems" or notes showing false louns
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

"Tn every case which have lnves-
tigated,v 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 a searching inquiry Is made we
always found woman who was ex-
travagant, with whom the man had
tecomee infatuated. or a wife who
nagged him for more tlian he could
afford.
Men frequently embezzle to invest
in schemes which they are led to be-
lieve Will turn out well. They are
pSbbably married and desire to get
ahead socially. They need money to
do II.
nlshed, 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 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 500 hills to a bal
let-dancer on theater stage This ex.
cited suspicion. His accounts were
investigated, and today he Is serving
in prison"
Thefts Of "Bis Men,
The majority of bank thefts, ac-
cording to bonding concerns. are by
employees of the institution--cashier
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 a big
bonding company of New York
amounted to $l2.S35,215. This total
was the greatest since 1894. when de
falcations, following the panic of 1893
amounted to $25,234,112. The average
amount of money which surety com
panies OF the country are called upor
to make good is said to be S400 900 Q
month.
An embezzlement, occording to thu
representative OF surety company
Is reported in Philadelphia every two
weeks. The average Is said to BIZ
proportionately larger in New Yorl
and Chicago
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
And She Went Home to Mother.

"Well," said the wife who had put
up with her husbands blunders till the
limit Of endurance had been reached,
"here you bring home some strawber.
ries that are positively green! You al
ways do. You never picked ripe
watermelon since / have known you.
you always buy poor cantaloupes. You
let your tailor give you clothes that
shrink and fade, you can't choose
grape fruit that is worth eating and
"And l picked you out too. Don't
forget to put that in," urged the hus-
band.---Judge.
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

H BOSTON. IL only defalcation OF
I3kfhitude that attracts more than 10.
etk attention.
When the wrongdoing Of President
Frank Nipple caused the $4,000
cfash Of the Real Estate Trust com.
pepy. Of Philadelphia; when Paul o.
ntth6land wrecked the Milwaukee
Avenue State bank of Chicago through
~ fhisappropriation OF $1.5O0.0OO and
when, more recently, Treasurer VIII:
liam +. Walker disappeared with
eo6b,000 Of securities belonging to the
Savings Bank Of New Britain, Conn.,
ina big case OF this kind the busy
world pauses to gasp at the enormity
OF the crime and to bestow Aeeting
pity upon the victims.
Now aud then q remarkable theft
attracts more than ordinary atten-
tion because OF the difficulties over
come. Only short time ago It. was
announced that S173,O00 In currency
had been stolen from the United
states sub-treasury at Chicago under
circumstances that baffied q score Of
keen-witted secret service men.
But, as Pierre Jay, commissioners Of
banking OF Massachusetts,. has point.
cd out. there are many embezzlements
that are never known by the public.
The amounts involved are made good
BY relatives and friends, or are quiet
" charged up to profit and loss.
There are three embezzlements
where one Is reported" said the head
OF surety company the other day.
Personally, believe financial instl-
tutions are being robbed every day"
This seems serious; II Is serious,
but one should remember that there
are great number of institutions
handling the peoples money.
Did you know that on September
Hast there were In the United States
e,137 national banks--an increase OF
z.Oe6 since 1S80-S.Se2 state banks,
742 loan and trust companies, 1913
savings banks and 929 private banks ?
Causes Of Dishonesty.
Hut what causes dishonesty among
employees and officials OF financial In
stituti0ns?
Why do men. occupying positions OF
trust and honor. who are generally re
sp6cted, stand high, often In the
church, are morally clean. SO far as
known, with families and pleasant
hoines-why do they become thieves
and purloin thousands OF dollars moi
their own?
From Investigations of the cases Of
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
eAMEs.sToRY.
Careers Of the Prima Donna and Artist
Whose Romance 10 Ended. ~

IT A
The troubles between the artist ~.
lian story and his wife, the farnouS
prima donna, Emma Euincs. have -.
cited exceptional attention on acc6net
of the social and professional pFOral4
nence of the III matched pair. Theee
wns surprise when 1t was learned that
Nine. Eames had brought suit for ~
absolute divorce in New York state, ~,
though friends of the Storys knew thht
husband and wife had been more 3f
less estranged for several years. MI,
Story denies that he has been grillty ct
any improrer conduct and says incoi1.
pntlbility Of temper Is the cause OF the
differences between the beautiful song.
stress and himself "As gentleman 4
cannot say anything" he told mn lntet-
viewer who questioned him In his stu
dio in Philadelphia. "i would not aay
anything against my wife. could not
N would" s
Mr.. Story is one of the foremost por-
trait painters of America. He Is about
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
PILGRIM JOE JAILED,
Accused Of Killing Three Persons
With His Pain AlIeviatOr.
CITIZENS DEMANDED REVENGE

Twas Later Asssrtainsd That Victims
Came to Death by Eating Poisonous
Mushrooms--Given His Liberty With
Exp sessions Of Good viii.
copyright. 1907, by G. IT. Sutcliffe1
I had halted halfway between the
towns Of Come OF and Go On to give
my old horse bite to eat when found
myself smoking my pipe and musing:
'It Is better to be right than to be
great. although your grocer may some
times turn you down"
And also:
Integrity has sent many man to
the poorhouse. but he didn't have q
constable TO show him the way"
And likewise:
"He that stealeth dollar Is a thief,
but by some hocus pocus he that accu.
mulates fifty millions demands the re-
spect and admiration of the public"
was trying to figure out whether
the railroads and other corporations
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20

owned more members of the present
congress than the last when body OF
patriotic citizens came riding on the
gallop and drew rein beside me, and
the leader called out:
"Villain, we will give you exactly
ten minutes in which to make your
peace with heavenw
"Whyfore this gathering and this
suddennessr asked.
'Tts that Pain Alleviator of yours
that has killed three people over at
Goldfish Point. they died within half
an hour after taking 1t. We, their sur
vlving relatives. demand retribution."
Reads From One Of His Circulars.
protested. With rope around my
neck protested. From one of my cir
culars | read to them that the Pilgrim
Pain Alleviator was compounded from
perfectly harmless.
That even if you swallowed the cork
with the dose you had buoyant feel.
Ing.
That 1t was panacea for low spirits
and morbid feeling.
That people who were on the point
Of committing suicide had taken one
dose and begun to frolic.
That 1t had warded off yellow fever
and deprived cholera of its grip.
That liver complaint, lumbago. ca
tarrh, rheumatism. roaring in the head
dizziness and hatulency disappeared
before 1t like dew before the sum
mers sun.
That 1t had helped undeservlng peo.
pie into Jail and helped deserving ones
out.
That no man should trade horses, buy
a piece of land, get married, make u
will or bury his wife without first TAX
ing dose according to directions.
The pathos In my voice or the indls-
putable facts l stated had an impres.
sion on all the patriots but one He
/ was N old man with the chin whisk-
ers of goat and countenance he
tried to make benign. remembered
to have seen him year before when
he was travelling about the country
with n consumption cure. I now saw
that he was the real leader of the
gang and that his object in having me
lynched was to come into possession
OF my outfit. which I will state here
for the benefit of blind persons con-
sists Of
One horse.
One tinty1e outfit.
One fighting dog.
Twenty-four moving pictures that
move.
One grasshopper In bottle.
One gross OF Pilgrim Pain Alleviator.
Wiser Counseis Prevail.
This old patriarch pushed to the front
and demanded that l be hung forth.
with, but wiser councils prevailed, and
! was taken six miles to a county seat
and there thrust into Jail until the case
could be further considered. At the
end of two days 1t was ascertained be-
yond dispute that the unfortunates had
come to their deaths by eating poi
! sonous mushrooms. All had my al
levlatOr in the house, and had they
taken a double dose the effects of the
poison would have been couateracted
| I was given my liberty with n.auy eX
/ pressions of sympathy and gooG will
and when came to look around
found that my property had disappear
i ed with the old patriarch the day be
fore. Several citizens offered to ac'
company me In chase; but. glrding ur
my loins and realizing that integrity
was never get knocked out for long.
set on over the country on foot. Al
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
MISS GlULIA M0R0slNl.
Bankers Daughter. Who Spends Freely
on Dress and Horses.

The sum of 100000 seems quite a
fortune to many people, but it does not
seem to Miss Giulia Moroslni. daughter
Of the banker, Giovanni Morisini. too
large an amount to spend in a year on
dress, and especially driving costumes.
She defends what might seem to some
The Marion daily mirror. (Marion, Ohio) 1892-1912, 1907-04-20
Secrets.

StCT6tS.
HE.
Sweetheart. bend your pretty head;
Bend It low. bend 1t low.
I've a secret my heart said
You should know. you should know.
Lift your bonny eyes OF blue;
Hold your breath until I'm through.
Here's n secret; II IL true
love You.
SHE.
oh. tho secret you have told
Unto me. unto me.
Ever new. and yet so old.
You'll agree. you'll agree.
10 so sweet because It's true.
But have o secret, too,
And-oh, well. will tell youl
That-I knew.
Bohemian.
The Aberdeen Democrat. (Aberdeen, South Dakota) 1???-1909, 1907-11-15
MRS. TERRELL DENIES

Nashville, Tenn. Nov. 15.On
the morning Of November 2, ii was
published throughout the country
that Mrs. Mary Church Terrell, col.
ored, in an address at Battle Creek
Mich, had said that mo servant girl
was safe in the home Of white peo.
pie,
Yesterday o Nashville paper pub.
5lished a lengthy card from Mrs. Ter.
rell in which she says:
Although it was not definitely
stated that I confined my remarks tc
the white people Of the south, the
general impression throughout tic
country is that did. 1 wish to az.
firm in the most emphatic and pos,
tive language possible that / moi
only made no such statement at Bat.
tile Creek, but have never made
any such wild, sweeping and false
statement anywhere In my life.
n t-Hrr - q W
The Aberdeen Democrat. (Aberdeen, South Dakota) 1???-1909, 1907-11-15
TORTURED WOMAN;
IS FOUND Gull LTY

Chicago. Ill, Nov. 15. Harold
Mitchell, the Zion City Parhamite,
who, together with his wife has been
on trial at Waukegan, charged with
having tortured to death Mrs. Let
ttia Greenhaulgh, an aged follower
of the Dowie faith. was convicted
Of manslaughter last night. The
jury recommended penitentiary
sentence for Mitchell. Mrs. Mitchell
was acquitted.
The evidence showed that Mitch
ell killed Mrs. Greenhaulgh by twist
ing her arms and legs until they
were broken IN an attempt to drive
out evil spirits which they claimed
We're dominating her.
The Aberdeen Democrat. (Aberdeen, South Dakota) 1???-1909, 1907-11-15
MILITIA TO GUARD
DAGO WITNESSES

Hahnville, Ia, Nov. To pro-
5tect three convicted murderers OF
Walter Lamana, who are coming to
this city as witnesses, a company OF
the state militia was brought to
gHahnville yesterday. The witnesses
are the Italians, Genduza, Campis-
cano and his wife, who were nearly
lynched here early last summer when
the jury recommended them for mer-
cy In the Lamana kidnapping case.
They are to be used BY the state
in an effort to convict Leonardo
and Nicolina Gebbia of the same
crime. 3s5 4.
The taking Of testimony began
Yesterday and the witnesses testified
that Leonardo Gebbia had made re-
marks to them which apparently In
dicated that he knew of the plot to
obtain ransom for the stolen boy. 4
The Aberdeen Democrat. (Aberdeen, South Dakota) 1???-1909, 1907-11-15
BIG ENGINE ROUNDS CURVES AT
SPEED OF sl.e MILES
AN HOUR
The Pennsylvania Road Making q
Series Of Tests With ! Specially
Built Track With Two Curves u
Ascertain Speed With Which an
Engine Can Round Them With
Safety.
- 1 -. = ~. =.

Clayton, N. j., Nov. What is
said to be the fastest mile ever made
by q locomotive on a track contain
ing curves was covered yesterday by
a steam locomotive No. 606, which
is being used In the special tests
being conducted here by the Pennsyl-
vania railroad when 1T travelled q
mile at speed of GIG per hour.
The trial was made over a speci-
ally built track between this place
and Franklinville.
One Of che new electric locorno-
stives was also given a trial, Two
trips We're made, the first at the rate
of u miles an hour and the second
ct speed of 10 miles an hour. "A
portion OF the specially built track
has been laid with steel ties and af.
ter the locomtive tests have beer
completed an examination viii be
made to determine which kind f3ties
bore the heavy tests to the best ad.
vantage.
The object OF the tests Is to ascer.
tain the speed that can be attained
by g locomotive rounding curves. Th,
stretch OF track on which the trial,
take place has two sharp curves.
i d