Evening journal., 1915-12-01

Unless all signs fail. the one certain
result OF the European war is going to
be a general stimulus yo-American in
dustfy. Our mills are running 70 full
capacity; our crops are bumper ones:
our banks are gorged With money; our
people employed at good wages and
constantly shorter hours, making
things for Europe to eat, and wear
and shoot We shall have great pros
perity.
With prosperity comes the pro-
moter. trying to get some of that pros
perity without working for it. He will
have great schemes to make you land
himselD rich You first-then him
self; or (vice-versa). Fakes by the
thousand will follow the wake of pros
perity. all seeking to separate you
from your money. The warning is
particularly opportune now: Beware
the promoter.
If YOU are offered any scheme to
make money, take 1t to your banker.
II il offers over six per cent. turn 1t
down on general principles. The pro-
moter finds poor picking when you
take his proposition to the bank man.
Ask the banker: Would you go into
this with the banks money? And If he
wouldn't-don't you.
Years ago a Western concern or
ganized a bank and offered the stock
broadcast. Il was a clever scheme
"a good scheme, and profitable one.
II had much merit and should have
come to a better end. But II was
too good and the promoter could not
stand the prosperity II brought him.
Two hard working miners got inter
ested and sought the advice OF their
banker. He advised against II. But
It pays ten per cent. and you only
3 four: and besides, they say the stock
will double in value in year Yes,
all that may be true" said the banker
but you're not strong enough to take
the risk and for the possible proht
YOU can't afford to chance probable
loss" They went in snd in less than
six months the bank went broke, and
the miners nearly went broke with
it--they had plunged. Today that
stock lies somewhere in tin boxes
mute evidence of what happens when
you go against the advice OF your
banker
A certain steamboat captain never
earned more than a hundred dollars 2
tv-fve years he was able to raise {
family. dress and educate them, pro
vide a handsome home, clear of deb
for them. and leave his widow will
enough TO support her in comfort fol
Iife-all this on a hundred a month
He saved half he earned. The secre
may have lain with the wife. or will
aim, or with both; but the result wa
there just the same. What this maj
lid you can do. He stuck close to tn,
bank: bought his home and paid 70
Il by, degrees. carried q fair amour
of insurance. never tried any schemes
and held fast to what he got.
The really big things that are no
hawked about the streets like vege
tables. The big deals are not for tn
dear public Henry Ford never Of
tered his stock broadcast. A certai
New York Undertaken (now bankrupt
did. Standard Oil never went wit
hat in hand. seeking those who woul
Duy. Big things are for the few; Iii
tie things for the many.
You worked pretty hard for YOU
money. and it ought to work for you
no. overwork. but just keep comfor
ably busy. II will work right faitl
fully. for compound interest grow
apace: but il you work it too hard
will like, the faithful old horse. kee
going for a time. but eventually ia
YOU. Do not try the impossible. Fou
ser cent. with safety is better tina
ten per cent. with risk. Don't los
your principal trying to get big il
terest. You must sacrifice one of tw
things principal or income. Kee
safe and your income will be small bI
sure; but If you seek large return
you must OF a certainty jeopardil