We had the $15-idea, and we worked out the prettiest cooker you ever

saw at any price
We had the $15-idea, and we worked out the prettiest cooker you ever
saw at any price. But we got together one day and figured out that
the big market was for a low-priced cooker that every woman could
buy.

_All business houses recognize the necessity for having printed

letterheads and envelopes, but the variety of designs and styles are
infinite
_All business houses recognize the necessity for having printed
letterheads and envelopes, but the variety of designs and styles are
infinite. Nothing, not even the paper, affords such an index to the
character of the individual or firm as the typography of the
envelope and letterhead. An impression, favorable or otherwise, is
created_ BEFORE THE LETTER IS READ. _This chapter describes the
methods of printing, engraving and lithographing; the advantages of
each process, and the difference in prices; the proper placing of
date, name and address, the width of margins, spacing between
lines--little points that contribute to the appearance of the letter
and give it tone_

Several mail-order houses have trained women to handle this part of

their correspondence for they are more apt in the use of feminine
expressions
Several mail-order houses have trained women to handle this part of
their correspondence for they are more apt in the use of feminine
expressions. Let a man try to describe some article as 'perfectly
splendid,' or 'really sweet' and he will stumble over it before he
gets to the end of the sentence. Yet when these same hackneyed
phrases are brought in naturally by a woman who 'feels just that
way' about the garment she is describing, they will take hold of the
reader in a way that is beyond the understanding of the masculine
mind.

The English company, known the world over as 'Lloyd"s,' is ready

to insure an ocean liner, or to guarantee that the next child born
into your family will be a boy or a girl; it will even insure that
there will or will not be twins, and that, if twins, they will be
boys or girls, or one of each
The English company, known the world over as 'Lloyd"s,' is ready
to insure an ocean liner, or to guarantee that the next child born
into your family will be a boy or a girl; it will even insure that
there will or will not be twins, and that, if twins, they will be
boys or girls, or one of each.

The words VALUE RECEIVED, which usually appear upon notes, are not

necessary legally
The words VALUE RECEIVED, which usually appear upon notes, are not
necessary legally. Thousands of good notes made without any value
consideration are handled daily.

The only way to get it is by ordering from me

The only way to get it is by ordering from me. Royal Mixture goes
right from factory to your pipe--you get it direct, and know you are
getting it just right, moist and fresh.

But if you are presenting a new proposition, it is necessary to

explain its nature, its workings, its principles and appliances
But if you are presenting a new proposition, it is necessary to
explain its nature, its workings, its principles and appliances. If
you are trying to sell a fountain pen you will not waste valuable
space in explaining to the reader what a fountain pen is good for
and why he should have one, but rather you will give the reasons for
buying your particular pen in preference to others. You will explain
the self-filling feature and the new patent which prevents its
leaking or clogging.

When you cannot give full attention to the request immediately, at

least write the inquirer and tell how you will reply fully in a day
or so or whenever you can
When you cannot give full attention to the request immediately, at
least write the inquirer and tell how you will reply fully in a day
or so or whenever you can. If you can truthfully say so, tell him
that you have just what he wants and ask him to wait to get your
full information before placing his order. In this way you may hold
the matter open.

If this house burns down the man does not receive eighty thousand

dollars
If this house burns down the man does not receive eighty thousand
dollars. The actual loss is calculated and the companies divide it
up, each paying its part.

People who take apartments in Paris often prefer to have their meals

sent to their private rooms, and by a special bargain this is done by
any of the restaurants, but more especially by a class of houses called
_traiteurs_, whose chief business is to furnish cooked dishes to
families in their own homes
People who take apartments in Paris often prefer to have their meals
sent to their private rooms, and by a special bargain this is done by
any of the restaurants, but more especially by a class of houses called
_traiteurs_, whose chief business is to furnish cooked dishes to
families in their own homes. In going to a hotel in Paris, the stranger
never feels in the slightest degree bound to get his meals there. He
hires his room and that is all, and goes where he pleases. The _cafes_
are in the best portions of the town, magnificent places, often
exceeding in splendor the restaurants. They furnish coffee, chocolate,
all manner of ices and fruits, and cigars. At these places one meets
well-dressed ladies, and more than once in them I have seen well-dressed
women smoking cigarettes. Love intrigues are carried on at these places,
for a Paris lady can easily steal from her home to such a place under
cover of the night. A majority, however, of the women to be seen at such
places, are those who have no position in society, the wandering nymphs
of the night, or the poor grisettes. It is not strange that the poor
shop-girl is easily attracted to such gorgeous places by men far above
her in station.

A fire broke out not long since in a large warehouse and burned it so

completely as to render it wholly unfit for use; indeed, all the
merchandise in it was wholly consumed
A fire broke out not long since in a large warehouse and burned it so
completely as to render it wholly unfit for use; indeed, all the
merchandise in it was wholly consumed. Nevertheless, when the lease
expired and the tenants refused to pay as they had agreed to do, the
landlord brought a legal proceeding against them to compel them to pay
during the entire period, as though they had been staying there and
selling goods and making money, and they were compelled to pay. _This
is the common law on the subject_, and every tenant is bound to pay in
such cases unless he has clearly stated in his lease that he is not to
be holden in the event of the destruction of the building by fire,
flood, lightning, or other cause.

The endorsement of the sum paid on the back of the note bars its

being negotiated for more than the amount actually due
The endorsement of the sum paid on the back of the note bars its
being negotiated for more than the amount actually due.

It should be axiomatic that if a letter is expected to pull business

through the mails it must place before the recipient every facility
for making it easy and agreeable to reply and reply NOW
It should be axiomatic that if a letter is expected to pull business
through the mails it must place before the recipient every facility
for making it easy and agreeable to reply and reply NOW. How this
can best be done will be taken up more fully in a separate chapter
on 'Making It Easy to Answer.'

No matter how large your tomorrow morning"s mail, it is probable

that you will glance through the first paragraph of every letter you
open
No matter how large your tomorrow morning"s mail, it is probable
that you will glance through the first paragraph of every letter you
open. If it catches your attention by reference to something in
which you are interested, or by a clever allusion or a striking head
line or some original style, it is probable you will read at least
the next paragraph or two. But if these paragraphs do not keep up
your interest the letter will be passed by unfinished. If you fail
to give the letter a full reading the writer has only himself to
blame. He has not taken advantage of his opportunity to carry your
interest along and develop it until he has driven his message home,
point by point.

The population of Paris is considerably more than a million

The population of Paris is considerably more than a million. The number
of births in a year is a little more than thirty thousand, and of these,
ten thousand are illegitimate. This fact speaks volumes in reference to
the morals of Paris. The deaths usually fall short of the births by
about four thousand. The increase of population in France is great,
though it is now a very populous country.

Here are the first five paragraphs of a two-page letter from

an investment firm
Here are the first five paragraphs of a two-page letter from
an investment firm. The length of the letter is greatly against
it and the only hope the writer could have, would be in getting
the attention firmly in the opening paragraph:

If a man buys a farm and pays a part of the price and goes away saying

that he will pay the remainder within a week, expecting then to do so
and receive a deed, the seller, if he chooses, can escape giving that
deed and parting with his farm
If a man buys a farm and pays a part of the price and goes away saying
that he will pay the remainder within a week, expecting then to do so
and receive a deed, the seller, if he chooses, can escape giving that
deed and parting with his farm. The payment of a part of the money
does not bind the bargain, nor will the courts, though knowing this,
compel the seller to give such a deed. The reader may ask, if this is
the law, cannot the farmer practise a fraud on the buyer by receiving
his money and keeping it and the farm too? He cannot do both things.
If he refuses to give the deed he must, on the other hand, return the
money; if he refuses to do this the buyer can compel him by a proper
legal proceeding to refund the amount. In this way the buyer gets his
money back again, but not the farm that he bought.

One thing more may be added

One thing more may be added. If a bailee should be a scoundrel and
sell the thing left with him for safe-keeping and receive the money,
the true owner could, nevertheless, claim the thing wherever he could
find it. The owner would not get a good title. This rule of law
applies to everything except negotiable paper. A person who buys that
in good faith, honestly, not knowing that it was stolen, and pays
money, gets a good title. _This is the only exception to the above
rule in the law._

In one of the cases tried not long since, an old farmer offered a

reward of $15 to any one who would find the person who had stolen his
harness and also $100 to the man who would prosecute the thief
In one of the cases tried not long since, an old farmer offered a
reward of $15 to any one who would find the person who had stolen his
harness and also $100 to the man who would prosecute the thief. The
harness, in truth, was worth not even this small sum and the thief
still less. Yet he was caught and prosecuted, and then the prosecutor
and finder claimed the rewards. The farmer"s excitement had cooled off
by this time and he was not so loud and liberal as he was at the time
of finding out his loss. He refused to pay, saying that he did not
really mean to offer these sums as rewards, and the court decided in
his favour, declaring that his offer of reward could not be regarded
strictly as one, but rather 'as an explosion of wrath.' In another
case a man"s house was burning up and his wife was inside, and he
offered any one $5000 who would go in and bring her out--'dead or
alive.' A brave fellow went in and rescued her. Then he claimed the
reward. Was the man who made the offer obliged to pay, and could he
not have escaped by insisting that this was simply 'an explosion of
affection' and not strictly an offer or promise of reward? He tried to
hold on to his money, but the court held that this was an offer he
must pay. Possibly after the recovery of his wife his valuation of her
had changed somewhat from what it was while his house was burning up.

In this chapter we will consider description, explanation and

argument as the vehicles one may use in carrying his message to the
reader
In this chapter we will consider description, explanation and
argument as the vehicles one may use in carrying his message to the
reader.

On receiving the money the express agent gives to his customer two

papers; one is the company"s receipt for the money, the other is
the order itself
On receiving the money the express agent gives to his customer two
papers; one is the company"s receipt for the money, the other is
the order itself.

The correspondent may use a catch-line, just as the barker at a side

show uses a megaphone--the noise attracts a crowd but it does not
sell the tickets
The correspondent may use a catch-line, just as the barker at a side
show uses a megaphone--the noise attracts a crowd but it does not
sell the tickets. It is the 'spiel' the barker gives that packs the
tent. And so the average man is not influenced so much by a bold
catch-line in his letters as by the paragraphs that follow. Some
correspondents even run a catch-line in red ink at the top of the
page, but these yellow journal 'scare-heads' fall short with the
average business proposition.

His second wife now died, and it is said that after the event, he

carried on intrigues with women; it is certain that he was very
susceptible to female beauty and accomplishments
His second wife now died, and it is said that after the event, he
carried on intrigues with women; it is certain that he was very
susceptible to female beauty and accomplishments. He was thought
fine-looking by the ladies, and did not lack admirers among them. It is
said by his enemies that he greatly admires himself, and that his home
abounds with portraits of himself from chamber to kitchen. It is also
told of him, to illustrate his hatred of M. Thiers, that when he was
ambassador in London, he would not receive his instructions from his
enemy, who was the minister in power, but received secret notes from
Louis Phillippe, and in the king"s own hand.

'Then, as to glue: Some manufacturers contend that any glue that

sticks will do
'Then, as to glue: Some manufacturers contend that any glue that
sticks will do. We insist there should be no question about glue
joints; no "perhaps" in our argument. That"s why we use only the
best by test; not merely sticking two pieces of wood together to try
the joint quality, but glue that is scientifically tested for
tenacity, viscosity, absorption, and for acid or coloring matter--in
short, every test that can be applied.'

Different grades of stationery may be used for the various

departments
Different grades of stationery may be used for the various
departments. For inter-house or inter-department correspondence,
an inexpensive paper is desirable. For many purposes, indeed, a
low-priced stock is entirely permissible. But the higher the quality
of paper, the more exclusive and personal that letter becomes,
until, in the cases of executive heads of corporations, the stock
used is of the best. One well-known corporation regularly uses six
different grades of paper for its letters; one grade is engraved
upon a thin bond of excellent quality and used by the president of
the company when writing in his official capacity; another grade
is engraved upon a good quality of linen paper and is used by the
other officers, sales managers and heads of office departments
when writing official letters to outside parties; when writing to
officers or employees of their own concern, the same letterhead,
lithographed on a less expensive grade of paper, is used; A fourth
grade of bond paper is used by officers and department heads for
their semi-official correspondence. The sixth grade is used only for
personal letters of a social nature; it is of a high quality of
linen stock, tinted. Thus, the size, shape and quality of the paper
and letterhead in each instance is made to conform to the best
business and social usages.

The Standish Collection is so called, because it was given to Louis

Phillippe in 1838, by an Englishman by the name of Standish
The Standish Collection is so called, because it was given to Louis
Phillippe in 1838, by an Englishman by the name of Standish. It includes
many first-class paintings, and a bible once owned by Cardinal Ximenes,
now valued at twenty-five thousand francs. Before Louis Phillippe died,
he claimed this collection as his private property. He had no intention
of taking it away, but wished to test his claim to it. It was
acknowledged, and he then bequeathed it to the Louvre.

_The writing need not be very formal

_The writing need not be very formal._ It need not specify the amount
that is to be paid; in other words, it need not specify the
consideration. Some courts say, however, that it must contain this
fact or statement. It may be in pencil. I presume it would be
sufficient if written on a blackboard with chalk. But it must be a
writing of some kind signed by the party to be charged; that is the
essential thing. The courts have also said that this writing need not
be on a single piece of paper. If the two parties have made an
agreement by a series of letters, an offer on the one side and an
acceptance on the other, and the agreement can be fully shown from the
series of letters, this is sufficient writing.

Copper or steel engravings are made from designs furnished either by

the engraver or by some other designer
Copper or steel engravings are made from designs furnished either by
the engraver or by some other designer. For simple engraved
lettering such as is customarily used on business stationery, the
cost of a copper plate is about ten cents a letter. For elaborate
designs the costs increase proportionately. Steel plates, which are
more durable, cost about sixty per cent more. Printing from such
plates is considerably more expensive than the two processes
previously described. Engraved letterheads cost from six dollars
upward a thousand for the printing, while the envelopes cost
approximately two dollars and fifty cents a thousand. The envelopes
are usually printed from steel dies, which cost about ten cents a
letter.

When the foregoing essentials are complied with the deed must be

delivered to the grantee
When the foregoing essentials are complied with the deed must be
delivered to the grantee. The delivery is essential, for without
it the deed is of no value, even though every other requisite be
complied with.

In order to sell a mortgage, the owner must make, to the

purchaser, what is known as an 'assignment of mortgage
In order to sell a mortgage, the owner must make, to the
purchaser, what is known as an 'assignment of mortgage.'

In some states the law requires that a wax or paper seal be

attached to the paper, while in others a circular scroll, made
with the pen, with the letters 'L
In some states the law requires that a wax or paper seal be
attached to the paper, while in others a circular scroll, made
with the pen, with the letters 'L.S.' in the center answer the
purpose.

Usually cheques should be drawn '_to order_

Usually cheques should be drawn '_to order_.' The words '_Pay to the
order of John Brown_' mean that the money is to be paid to John Brown,
or to any person that he _orders_ it paid to. If a cheque is drawn
'_Pay to John Brown or Bearer_' or simply '_Pay to Bearer_,' any
person that is the bearer can collect it. The paying teller may ask
the person presenting the cheque to write his name on the back, simply
to have it for reference.

In municipal corporations in the United States the members are the

citizens; the number is indefinite; one ceases to be a member when he
moves from the town or city, while every new resident becomes a member
when by law he becomes entitled to the privileges of local
citizenship
In municipal corporations in the United States the members are the
citizens; the number is indefinite; one ceases to be a member when he
moves from the town or city, while every new resident becomes a member
when by law he becomes entitled to the privileges of local
citizenship. In corporations created for the emolument of their
members interests are represented by shares, which may be transferred
by their owners, and the assignee becomes entitled to the rights of
membership when the transfer is recorded; and if the owner dies his
personal representative becomes a member for the time being. In such
corporations also shares may be sold in satisfaction of debts against
their owners.

The factors which have most weight in fixing schedules of rates and

fares are what it will cost to perform the several services, what the
services are worth to those for whom they are to be rendered, and the
extent to which there is competition among rival carriers to secure
the traffic concerned
The factors which have most weight in fixing schedules of rates and
fares are what it will cost to perform the several services, what the
services are worth to those for whom they are to be rendered, and the
extent to which there is competition among rival carriers to secure
the traffic concerned. Though on the face of things it would seem that
the railways should fix the charges for their various services in
accordance with the costs of performing those services, it is neither
practicable for them to do so nor is it desirable from the standpoint
of public welfare that such a criterion should be adopted. It is
impracticable for the railroads to base their charges upon cost of
service, because it is impossible to determine accurately the elements
which enter into the cost of performing the particular transportation
service. The modern railroad is a very complex mechanism, employed in
the performance of a multitude of different services. No railroad
official is able to say just how much of the company"s total expenses
are to be charged against any one particular freight or passenger
service.

The poet lost his first-born, and Madame Hugo took it so much to heart

that he thought it wise to close their residence
The poet lost his first-born, and Madame Hugo took it so much to heart
that he thought it wise to close their residence. Besides, changes had
been made in the street so as to render it less pleasant as a residence.
After one or two changes he finally settled down in the Place Royale,
where he spent many years of his life. This dwelling was furnished to
suit the taste of a poet, and was beautiful in every respect. It was
filled with statues, paintings, and exquisite furniture, and his study,
especially, was a charming apartment. Here his friends came--and they
were numerous as the leaves upon a tree. Young authors flocked to his
rooms and received counsel, and old men came to enjoy his conversation.

A partnership is an agreement between two or more persons to

associate for the purpose of carrying on a certain form of
business
A partnership is an agreement between two or more persons to
associate for the purpose of carrying on a certain form of
business.

The Louvre continued shut against Vernet"s pictures, but the peers took

up his cause with great unanimity and enthusiasm
The Louvre continued shut against Vernet"s pictures, but the peers took
up his cause with great unanimity and enthusiasm. A list of his best
pictures was published and warmly eulogized, and as they could be seen
at his studio, the crowd of artists and critics, and others, wended
their way thither. The painter was recompensed. In the midst of this
crowd, and the confusion necessarily consequent upon their visit, Horace
Vernet went on quietly in his work, in their presence, and executed that
series of grand paintings, which in after years brought him so wide a
renown. The duke of Orleans was his warm friend. He bought many pictures
of him, and ordered himself painted in every style. Charles X. grew
jealous, and concluded it wise to withdraw his persecution of the
artist. He ordered a portrait of himself, and the Louvre was open to
him.

The empress is quite popular in France, but not so much so as the

journalists and letter-writers would make out
The empress is quite popular in France, but not so much so as the
journalists and letter-writers would make out. She is exceedingly
handsome, and this fact goes a great way with the Parisians. Her conduct
since her marriage has been irreproachable, which should always be
mentioned to her credit. But that she is naturally a very lovely woman,
gentle, and filled with all the virtues, few who know her early history
will believe. She is, like the emperor, shrewd, and acts her part well.
She is certainly equal to her position, and in goodness is satisfactory
to the French people. It has been thought by many that if Louis Napoleon
had married a French woman it would have better satisfied the people,
but this is by no means certain.

Workers, skilled and unskilled, and even the hired girl who is

paid by the month, should keep a record of the compensation
received, and how the whole or the part has been expended
Workers, skilled and unskilled, and even the hired girl who is
paid by the month, should keep a record of the compensation
received, and how the whole or the part has been expended.

After his marriage Girardin for several years turned his attention more

particularly to philanthropic projects, which should benefit the people
After his marriage Girardin for several years turned his attention more
particularly to philanthropic projects, which should benefit the people.
He advocated savings banks, and gave much of his time to their
establishment. He also founded an agricultural school. His wife turned
him somewhat from his political and speculative plans, to more practical
ones of this kind.

When a savings bank receives authorization to act, through a

charter from the state, the organizers choose a board of directors
and the proper officers
When a savings bank receives authorization to act, through a
charter from the state, the organizers choose a board of directors
and the proper officers.

The successful correspondent never overlooks the susceptibility of a

woman to flattery--but it must be the suggestion of flattery, the
implied compliment, rather than the too obvious compliment
The successful correspondent never overlooks the susceptibility of a
woman to flattery--but it must be the suggestion of flattery, the
implied compliment, rather than the too obvious compliment.

While the underwriting is going on the prospectus is being prepared by

which the subscriptions of the public are invited, and in the meantime
it will probably happen that the newspapers have had a hint that a
Ruritanian loan is on the anvil, so that preliminary paragraphs may
prepare an atmosphere of expectancy
While the underwriting is going on the prospectus is being prepared by
which the subscriptions of the public are invited, and in the meantime
it will probably happen that the newspapers have had a hint that a
Ruritanian loan is on the anvil, so that preliminary paragraphs may
prepare an atmosphere of expectancy. News of a forthcoming new issue is
always a welcome item in the dull routine of a City article, and the
journalists are only serving their public and their papers in being
eager to chronicle it. Lurid stories are still handed down by City
tradition of how great City journalists acquired fortunes in days gone
by, by being allotted blocks of new loans so that they might expand on
their merits and then sell them at a big profit when they had created a
public demand for them. There seems to be no doubt that this kind of
thing used to happen in the dark ages when finance and City journalism
did a good deal of dirty business between them. Now, the City columns of
the great daily papers have for a very long time been free from any
taint of this kind, and on the whole it may be said that finance is a
very much cleaner affair than either law or politics. It is true that
swindles still happen in the City, but their number is trivial compared
with the volume of the public"s money that is handled and invested. It
is only in the by-ways of finance and in the gutters of City journalism
that the traps are laid for the greedy and gullible public, and if the
public walks in, it has itself to blame. A genuine investor who wants
security and a safe return on his money can always get it. Unfortunately
the investor is almost always at the same time a speculator, and is apt
to forget the distinction; and those who ask for a high rate of
interest, absolute safety and a big rise in the prices of securities
that they buy are only inviting disaster by the greed that wants the
unattainable and the gullibility that deludes them into thinking they
can have it.

His father was very much displeased with his course, and sent a friend

to persuade him to relinquish it, but the deputy was so fascinated by
Poguelin"s acting, that he became a convert to him, and was not fitted
to urge the arguments of the father
His father was very much displeased with his course, and sent a friend
to persuade him to relinquish it, but the deputy was so fascinated by
Poguelin"s acting, that he became a convert to him, and was not fitted
to urge the arguments of the father. The family for a time refused in a
manner to acknowledge their son, being ashamed of his new profession;
but they are now known only through him.

The Spanish gallery contains many fine specimens of the works of the

Spanish masters, Velasquez, Murillo, and others
The Spanish gallery contains many fine specimens of the works of the
Spanish masters, Velasquez, Murillo, and others.

Possibly it is inadvisable to include a sample

Possibly it is inadvisable to include a sample. Then a picture of
the article accomplishes the purpose. A grocer who writes his
customers whenever he has some new brand of food product, always
includes in his letter a post card with a full tinted picture of the
article. For instance, with a new brand of olives he encloses a
picture of the bottled olives, tinted to exactly represent the
actual bottle and its contents, and underneath he prints the terse
statement 'Delicious, Tempting, Nutricious.' If his letter has not
persuaded the housewife to try a bottle of the olives, the picture
on the enclosure is apt to create the desire in her mind and lead to
a purchase.

In the appeal to women there is more in this tinge of off-hand

refinement, the atmosphere, the enthusiasm shown and in the little
personal touches, than in formidable arguments and logical reasons
In the appeal to women there is more in this tinge of off-hand
refinement, the atmosphere, the enthusiasm shown and in the little
personal touches, than in formidable arguments and logical reasons.
What is triviality to a man is frequently the clinching statement
with a woman. And so a fixed set of rules can not be formulated for
writing letters to women. Instead of a hard and fast rule, the
correspondent must have in mind the ideas and the features that
naturally appeal to the feminine mind and use them judiciously.

'Your letter reached me at a very opportune time as I have been

looking for a representative in your territory
'Your letter reached me at a very opportune time as I have been
looking for a representative in your territory.'

For most business men read their letters in a receptive state of

mind
For most business men read their letters in a receptive state of
mind. The letterhead may show that the message concerns a
duplicating machine and the one to whom it is addressed may feel
confident in his own mind that he does not want a duplicating
machine. At the same time he is willing to read the letter, for it
may give him some new idea, some practical suggestion as to how such
a device would be a good investment and make money for him. He is
anxious to learn how the machine may be related to his particular
problems. But it is not likely that he has time or sufficient
interest to wade through a long letter starting out:

The form letter has a heavy load which carries a row of

hieroglyphics at the bottom of the page--the 'X-Y-Z,' the '4, 8, 6,'
the 'Dictated WML-OR' and the twenty and one other key numbers and
symbols common to the form letters of many houses
The form letter has a heavy load which carries a row of
hieroglyphics at the bottom of the page--the 'X-Y-Z,' the '4, 8, 6,'
the 'Dictated WML-OR' and the twenty and one other key numbers and
symbols common to the form letters of many houses. When a man
receives such a letter, he is impressed by the mass of tangled
mechanical operations the message has undergone; on its face he has
the story of its mechanical make-up and its virility is lost,
absolutely.

The savings bank provides a safe place for the care of such

deposits, and it pays such rates of interest on such deposits as
are warranted by the earnings of its investments after paying the
expenses incident to the proper conduct of its officers
The savings bank provides a safe place for the care of such
deposits, and it pays such rates of interest on such deposits as
are warranted by the earnings of its investments after paying the
expenses incident to the proper conduct of its officers.

Wholesale houses send such bills as soon as the goods are shipped

or delivered, though the payment, as per agreement, is not to be
made for thirty, sixty or ninety days
Wholesale houses send such bills as soon as the goods are shipped
or delivered, though the payment, as per agreement, is not to be
made for thirty, sixty or ninety days.

Everything being ready, the cardinal-legate left his throne, went to the

foot of the altar, and commenced the _Veni Creator_, which was taken up
and executed by the fine orchestra
Everything being ready, the cardinal-legate left his throne, went to the
foot of the altar, and commenced the _Veni Creator_, which was taken up
and executed by the fine orchestra. The music was inexpressibly grand.
When it was concluded the masters of ceremonies saluted the altar and
their majesties, and then waited upon the legate, who at once catechised
the sponsors. He then conducted the royal babe to the font, holding the
baptismal robe. Napoleon and Eugenia ascended the throne. The duchess of
Baden, representing the god-mother, advanced to the font. The god-father
was the pope, represented by the legate. The baptism was then proceeded
with.

[Footnote 2: All this imaginary picture is of events before the war

[Footnote 2: All this imaginary picture is of events before the war. At
present Dr. Pillman, being a patriotic citizen, is saving much faster
than before, and putting every pound that he can save into the hands of
the British Government by subscribing to War Loans and buying Exchequer
bonds. He is too old to go and do medical work at the front, so he does
the next best thing by cutting down his expenses and finding money for
the war.]

In the revolution of July Dumas acted bravely, and has himself told the

story of his conduct with not a little boasting
In the revolution of July Dumas acted bravely, and has himself told the
story of his conduct with not a little boasting. He brought out the
drama of _Napoleon Bonaparte_, and that of _Charles VII._, after Louis
Phillippe was upon the throne. These dramas he had the fame of writing,
but other persons wrote largely in them. He adopted the plan of
employing good writers upon the different parts of a drama, and while
himself superintending the whole and writing prominent parts, yet
entrusting to his assistants a great portion of the composition. It was
his genius which arranged the plot and guided the selection of
characters, but the glory should have often been divided with his
humbler co-laborers. Victor Hugo wrote a play which the censors would
not allow to be brought out. He read it to Dumas. The latter soon issued
a play which was so very like that of Hugo, that when sometime after the
interdict was taken off from the play of Hugo, he was accused of
stealing from Dumas. But the truth was easily to be proved--that Hugo"s
play was _first_ written--and Dumas declared in the public newspapers
that if there was any plagiarism in anybody, himself was the guilty
party! A new play now appeared which was principally written by
assistants, and which was also defaced by plagiarisms. Like some of
those which preceded it, it made light, indeed glorified, vices of the
darkest dye.

The gold standard has not driven silver out of circulation, for it

is still found convenient to use it in settling immediately our
smaller business transactions
The gold standard has not driven silver out of circulation, for it
is still found convenient to use it in settling immediately our
smaller business transactions.

Present statistics, however, upon the morality and immorality of women

who belong to what is at present termed the 'servant class,' prove only
too clearly that the 'protection' provided by the employer"s home does
not protect
Present statistics, however, upon the morality and immorality of women
who belong to what is at present termed the 'servant class,' prove only
too clearly that the 'protection' provided by the employer"s home does
not protect. The shelter thus given serves too often to encourage a life
of deception, especially as in reality the housewife knows but little of
what takes place 'below stairs.'

The fact that the recipient knows a form letter as such, largely

nullifies its influence
The fact that the recipient knows a form letter as such, largely
nullifies its influence. A business man who sends out a large number
of form letters a year claims that when he gets a reply beginning,
'In response to your form letter,' he knows that the effect of that
letter is absolutely lost on a large percentage of this list who
seldom or never bother to read such communications. And one of the
distinguishing marks of such a letter is the poor quality of its
paper.

Out of curiosity I went one day with a friend to one of the most

gorgeous of the _restaurants_ on the Boulevards
Out of curiosity I went one day with a friend to one of the most
gorgeous of the _restaurants_ on the Boulevards. Notwithstanding the
descriptions I had read and listened to from the lips of friends, I was
surprised at the splendor and style of the place. We sat down before a
fine window which was raised, looking into the street. Indeed, so close
sat we to it that the fashionable promenaders could each, if he liked,
have peeped into our dishes. But Parisians never trouble strangers with
their inquisitiveness. We sat down before a table of exquisite marble,
and a waiter dressed as neatly, and indeed gracefully, as a gentleman,
handed us a bill of fare. It was long enough in itself to make a man a
dinner, if the material were only palatable. Including dessert and
wines, there were one hundred specifications! There were ten kinds of
meat, and fourteen varieties of poultry. Of course there were many
varieties of game, and there were eight kinds of pastry. Of fish there
were fourteen kinds, there were ten side dishes, a dozen sweet dishes,
and a dozen kinds of wine.

When it comes to framing up a campaign there are many points, minor

in themselves, but each having its significance, that it is well to
consider
When it comes to framing up a campaign there are many points, minor
in themselves, but each having its significance, that it is well to
consider. It frequently happens that not enough attention is paid to
the stationery that is used for farmers, but all these things have
their influence in prejudicing the recipient for or against a new
house.

In this letter there is not the faintest suggestion of the profits

that the writer hopes to make by the sale
In this letter there is not the faintest suggestion of the profits
that the writer hopes to make by the sale. A man is going to listen
just as long as you talk about him; a woman will keep on reading
your letter as long as you talk about her. Shout 'You' and whisper
'_me_' and your letter will carry home, straight to the heart of the
reader.

In our last lecture was mentioned the carriage of merchandise by

common carriers
In our last lecture was mentioned the carriage of merchandise by
common carriers. They not only carry merchandise--they also keep it.
When merchandise reaches its destination and shippers have had a
reasonable time to take it away, but neglect to do so, a common
carrier is no longer liable for its safe keeping as a common carrier
but only as a warehouseman. What do we mean by this? As we have seen,
a common carrier, unless he makes a special contract for carrying the
merchandise, is liable for everything lost or injured except 'by the
act of God or the public enemy'; or, as we have already said, he is an
insurer for safely taking and keeping the merchandise while it is in
his charge. When the merchandise has reached the final station, and
the person to whom it is shipped or sent has had ample time to take it
away and does not do so, the carrier still keeps the merchandise in
his warehouse or depot, but he is no longer liable as a carrier for
keeping it but simply as a warehouseman. In other words, if goods are
kept by him for this longer period, he is liable for their loss only
in the event of gross negligence on his part. If a fire should break
out and the goods be burned, unless it happened by his own gross
negligence, he would not be liable for the loss. So, too, if a thief
should break into his warehouse and steal the goods, he would not be
liable for the theft unless it was shown that he was grossly negligent
in not providing a safer building. If the rats and mice should destroy
the goods while they were in the common carrier"s building, the same
rule would apply; or if they were injured or destroyed in any other
manner, he would not be responsible for the loss unless gross
negligence was shown.

6

6. (_a_) Enumerate some of the abuses of rate discrimination in the
United States and tell how they are met. (_b_) What are the
advantages to the public of freight organisations which arrange
for through service? (_c_) Explain in detail the methods adopted
by leading and competing railway lines to regulate and adjust
freight rates. (_d_) What are _differentials_? How are (1)
through and (2) local passenger rates regulated?

'We send this tape measure to you because we want to avoid the least

possibility of variation in your measurements
'We send this tape measure to you because we want to avoid the least
possibility of variation in your measurements. We want to make your
suit perfect, and we will personally see to every detail of its
making.'

GROSS commonly means coarse or bulky

GROSS commonly means coarse or bulky. In trade it is used with
reference to both money and goods. The _gross_ weight of a package
includes the weight of the case or wrappings. The larger sum in an
account or bill--that is, the sum of money before any allowance or
deductions are made--is the _gross_ amount of the bill. The word NET
is derived from a Latin word meaning neat, clean, unadulterated, and
indicates the amount of goods or money after all the deductions have
been made. To say that a price is _net_ is to indicate that no further
discount will be made.

Moliere went on with the management of his theater, and writing and

bringing out new plays
Moliere went on with the management of his theater, and writing and
bringing out new plays. One of them--'_L"Ecole des Femmes_'--was
translated and amended into the English by Wycherly, and was altogether
more licentious in plot than in the original language. It was very
popular in England, but not so much so in France.

Some correspondents become adept in coupling up the news of the day

with their products
Some correspondents become adept in coupling up the news of the day
with their products. A thousand and one different events may be
given a twist to connect the reader"s interest with the house
products and supply a reason for 'buying now.' The fluctuation in
prices of raw materials, drought, late seasons, railway rates,
fires, bumper crops, political discussions, new inventions,
scientific achievements--there is hardly a happening that the clever
correspondent, hard pressed for new talking points, cannot work into
a sales letter as a reason for interesting the reader in his goods.

The hap-hazard, unskilled methods of the past are disappearing

The hap-hazard, unskilled methods of the past are disappearing.
Science is lending her aid to the tiller of the soil, and the wise
ones are reaching out their hands in welcome.

Certificates of either character will be redeemed to any amount,

in the metals for which they call, if presented at the United
States Treasury at Washington, or at any of the sub-treasuries to
be found in our larger cities
Certificates of either character will be redeemed to any amount,
in the metals for which they call, if presented at the United
States Treasury at Washington, or at any of the sub-treasuries to
be found in our larger cities.

7

7. If you receive a cheque which has been transferred to you by a
BLANK indorsement (name of indorser only), and you wish to hold it a
day or two, write over the indorsement the words 'PAY TO THE ORDER OF
(yourself--writing your own name).' This is allowable legally. The
cheque cannot then be collected until you indorse it.

Although the law does not require even contract to be in writing,

yet, as it never declares that a contract must be verbal, it is
the part of prudence, wherever possible, to put every contract in
writing
Although the law does not require even contract to be in writing,
yet, as it never declares that a contract must be verbal, it is
the part of prudence, wherever possible, to put every contract in
writing.

The _par_ of the currency of any two countries means, among merchants,

the equivalency of a certain amount of the (coin) currency of the one
in the (coin) currency of the other, supposing the currencies of both
to be of the precise weight and purity fixed by the respective mints
The _par_ of the currency of any two countries means, among merchants,
the equivalency of a certain amount of the (coin) currency of the one
in the (coin) currency of the other, supposing the currencies of both
to be of the precise weight and purity fixed by the respective mints.
The par of exchange between Great Britain and the United States is
4.86-2/3; that is, L1 sterling is worth $4.86-2/3. Exchange is quoted
daily in New York and other city papers at 4.87, 4.88, 4.88-1/2, etc.,
for sight bills and at a higher rate for sixty-day bills. Business men
who are accustomed to watching fluctuations in exchange rates use the
quotations as a sort of barometer to foretell trade conditions. The
imports and exports of bullion (uncoined gold) are the real test of
exchange. If bullion is stationary, flowing neither into nor out of a
country, its exchanges may be truly said to be at par; and on the
other hand, if bullion is being exported from a country, it is a proof
that the exchange is against it; and conversely if there be large
importations.

In finding the date of maturity it is important to remember that when

a note is drawn _days after date_ the actual days must be counted, and
when drawn _months after date_ the time is reckoned by months
In finding the date of maturity it is important to remember that when
a note is drawn _days after date_ the actual days must be counted, and
when drawn _months after date_ the time is reckoned by months.

The best way in which savings can be invested is to use them in

the extension of the business in which they were made
The best way in which savings can be invested is to use them in
the extension of the business in which they were made.

Jules Sandeau, a student of law, spent one of his vacations at the

chateau Nahant, and was the first person who turned Madame Dudevant"s
attention to literary pursuits
Jules Sandeau, a student of law, spent one of his vacations at the
chateau Nahant, and was the first person who turned Madame Dudevant"s
attention to literary pursuits. He returned to Paris profoundly in love
with the lady, though he had not dared to mention it. M. Nerard, a
botanist, came also to the chateau, to give lessons to M. Dudevant, and
his wife was charmed with him, and they spent happy hours together. But
in time love grew out of the intimacy--a love which of course was
wicked, but which according to French ideas, was innocent. The husband
was justly suspicious, and a voluntary separation took place, he
retaining all her property in exchange for her liberty, which he gave
her, and she set out for Bordeaux. She recounts a part of her subsequent
history in '_Indiana_.' She found her lover in Bordeaux, but he had
changed, and was on the eve of marriage, and she went to Paris. She
returned to the same convent where she had spent a part of her youth, to
weep over her lot. She soon left the convent for an attic in the Quai
St. Michel, where Jules Sandeau, the law-student, soon discovered her.
She was in very destitute circumstances, and Sandeau was also very poor.
She knew a little of painting, and obtained orders of a toyman to paint
the upper part of stands for candlesticks, and the covers of
snuff-boxes. This was fatiguing but not remunerative, and they wrote to
the editor of the _Figaro_ newspaper. He replied, and invited them to
visit him at his home, where he received them with kindness. When Aurore
spoke of her snuff-boxes, he laughed heartily; 'but,' said he to
Sandeau, 'why do not you become a journalist? It is less difficult than
You think.'

'In order that your measurements may be taken exactly right, we send

you with this letter a "Republic" Tape Measure
'In order that your measurements may be taken exactly right, we send
you with this letter a "Republic" Tape Measure. This is the same
kind that our cutters use and it is entirely accurate.

DIRECTORS

DIRECTORS. All the shareholders meet together and out of their number
choose a certain number of directors. The directors choose a president
and other necessary officers and fix the amount of salary which shall
be paid such officers for their work.

One of the most successful campaigns ever conducted to introduce a

new cigarette depended entirely upon postal letters
One of the most successful campaigns ever conducted to introduce a
new cigarette depended entirely upon postal letters. A series of
five or six of these--well nigh masterpieces of sales talk--created
the desire to try the product. Enclosed with each folder was a card
bearing a picture of the distinctive box in which the cigarettes
were sold, so that the prospect could recognize it in the dealer"s
store.

A tenant of a farm must manage and cultivate it by the same rules of

husbandry as are practised in his vicinity, and if his lease ends by
any event that is uncertain and could neither have been foreseen nor
foretold, he is entitled to the annual crop sowed or planted by him
while he was in possession
A tenant of a farm must manage and cultivate it by the same rules of
husbandry as are practised in his vicinity, and if his lease ends by
any event that is uncertain and could neither have been foreseen nor
foretold, he is entitled to the annual crop sowed or planted by him
while he was in possession.

Why should housework in private homes be an exception to all other work?

Is it because some housewives say, in self justification and frequently
without an accurate knowledge of what it is to do housework week after
week without one day"s release, that housework is easier than other
work? Is it easier? Is it not sometimes harder? However, it is not a
question of housework being harder or easier than other work, but of the
desirability of having it limited to eight hours a day and six days a
week
Why should housework in private homes be an exception to all other work?
Is it because some housewives say, in self justification and frequently
without an accurate knowledge of what it is to do housework week after
week without one day"s release, that housework is easier than other
work? Is it easier? Is it not sometimes harder? However, it is not a
question of housework being harder or easier than other work, but of the
desirability of having it limited to eight hours a day and six days a
week. Why should the housewife be allowed to remain in such a state of
apathy in regard to the physical welfare of her household employees?

In a similar way a sales manager, in writing the advertising matter

for a motor cycle, leads up to his description of the motor and its
capacity by the brief statement: 'No limit to speed but the law
In a similar way a sales manager, in writing the advertising matter
for a motor cycle, leads up to his description of the motor and its
capacity by the brief statement: 'No limit to speed but the law.'
This is a friction clutch on the imagination that carries the
reader"s interest to the end.

If the bank has sent you a written notice about the note, take the

notice with you
If the bank has sent you a written notice about the note, take the
notice with you. It will be found to contain all the desired
facts.

With the Bank of England thus acting as a centre to the system, there

has grown up around it a circle of the great joint stock banks, which
provide credit and currency for commerce and finance by lending money
and taking it on deposit, or on current account
With the Bank of England thus acting as a centre to the system, there
has grown up around it a circle of the great joint stock banks, which
provide credit and currency for commerce and finance by lending money
and taking it on deposit, or on current account. These banks work under
practically no legal restrictions of any kind with regard to the amount
of cash that they hold, or the use that they make of the money that is
entrusted to their keeping. They are not allowed, if they have an office
in London, to issue notes at all, but in all other respects they are
left free to conduct their business along the lines that experience has
shown them to be most profitable to themselves, and most convenient for
their customers. Being joint stock companies they have to publish
periodically, for the information of their shareholders, a balance sheet
showing their position. Before the war most of them published a monthly
statement of their position, but this habit has lately been given up. No
legal regulations guide them in the form or extent of the information
that they give in their balance sheets, and their great success and
solidity is a triumph of unfettered business freedom. This absence of
restriction gives great elasticity and adaptability to the credit
machinery of London. Here is a specimen of one of their balance sheets,
slightly simplified, and dating from the days before the war:--

'We want you to read our booklet carefully for it explains our

methods of doing business fully
'We want you to read our booklet carefully for it explains our
methods of doing business fully. We are very particular about
filling orders and know you will be pleased with any suit you may
buy from us.

An essential part of all sales letters is a clear description of the

article or goods--give the prospect a graphic idea of how the thing
you are trying to sell him looks, and this description should follow
closely after the interest-getting introduction
An essential part of all sales letters is a clear description of the
article or goods--give the prospect a graphic idea of how the thing
you are trying to sell him looks, and this description should follow
closely after the interest-getting introduction. To describe an
article graphically one has got to know it thoroughly: the material
of which it is made; the processes of manufacture; how it is sold
and shipped--every detail about it.

Why should housework in private homes be an exception to all other work?

Is it because some housewives say, in self justification and frequently
without an accurate knowledge of what it is to do housework week after
week without one day"s release, that housework is easier than other
work? Is it easier? Is it not sometimes harder? However, it is not a
question of housework being harder or easier than other work, but of the
desirability of having it limited to eight hours a day and six days a
week
Why should housework in private homes be an exception to all other work?
Is it because some housewives say, in self justification and frequently
without an accurate knowledge of what it is to do housework week after
week without one day"s release, that housework is easier than other
work? Is it easier? Is it not sometimes harder? However, it is not a
question of housework being harder or easier than other work, but of the
desirability of having it limited to eight hours a day and six days a
week. Why should the housewife be allowed to remain in such a state of
apathy in regard to the physical welfare of her household employees?

He now wrought a revolution in the art of painting in Paris, and

established a new school
He now wrought a revolution in the art of painting in Paris, and
established a new school. It was his desire to triumph over David, and
he boasted that he would do so. The public pronounced him the first
painter of the age. Some of his best pictures at this time were painted
at Rome. Upon his return he found his old friend king, under the title
of Louis Philippe. He was, of course, a favorite at court. The king gave
him the use of a studio at Versailles, of a magnificent description, in
which he wrought at great national pictures. He was an indefatigable
worker. He never hesitated to make the longest journey to study the
scene of his pictures. He traveled up and down the Mediterranean,
visited Arabia, Africa, and other distant spots, lived in tents, put up
with privation and suffering, that he might paint from nature. His
memory was so excellent that having once looked upon a spot, nothing was
afterward forgotten; every characteristic of the place was sure to
reappear upon the canvas. The least detail of position or gesture, he
remembered for years with ease. Indeed, his faculty for daguerreotyping
such things upon his mind, was wonderful. He met his friend, the marquis
de Pastorel, one day, who said:

At Port Royal Racine was happy

At Port Royal Racine was happy. He was a gentle-hearted boy and his
masters loved him. He early began to compose verses and showed an
intense love of poetry. At nineteen he left Port Royal for the college
of Harcour, at Paris. When he was twenty-one Louis XIV. was married, and
invited every versifier in the kingdom to write in honor of the
occasion. Racine was an obscure student and was unknown as a poet. He
wrote a poem on the marriage, and it was shown to M. Chapelain, who was
the poetical critic of Paris at that time. He thought it showed a good
deal of promise and suggested a few alterations. It was carried to the
patron of the critic, who sent him a hundred louis from the king, and a
pension of six hundred livres. The poet"s friends were anxious that he
should choose a profession, and that of the bar was strongly urged upon
him. He objected. An uncle who had a benefice at Uzes, wished to resign
it to his nephew. Racine concluded to visit his uncle in the provinces.
He remained for some time there, but he found there was little hope of
advancement and grew restless. The scenery around him was magnificent,
yet, though he was a poet, he had no eye for the grand and impressive in
scenery. He was too much of a Parisian for that. A Parisian is all
art--and cares nothing for nature. He prefers fine buildings and
paintings to fields, mountains, and majestic rivers.

Then there is the correspondent whose descriptions are too vague;

too general--little more than bald assertions
Then there is the correspondent whose descriptions are too vague;
too general--little more than bald assertions. A letter from a
vacuum cleaner manufacturing company trying to interest agents is
filled with such statements as: 'This is the best hand power machine
ever manufactured,' 'It is the greatest seller ever produced,' 'It
sells instantly upon demonstration.' No one believes such
exaggerations as these. Near the end of the letter--where the writer
should be putting in his clincher, there is a little specific
information stating that the device weighs only five pounds, is made
of good material and can be operated by a child. If this paragraph
had followed quickly after the introduction and had gone into
further details, the prospect might have been interested, but it is
probable that the majority of those who received the letter never
read as far as the bottom of the second page.

_Arguments--prices, styles, terms, quality or whatever they may

be--are effective only when used on the right 'prospect' at the
right time
_Arguments--prices, styles, terms, quality or whatever they may
be--are effective only when used on the right 'prospect' at the
right time. The correspondent who has some message of value to carry
gathers together a mass of 'raw material'--facts, figures and
specifications on which to base his arguments--and then he selects
the particular talking points that will appeal to his prospect. By
systematic tests, the relative values of various arguments may be
determined almost to a scientific nicety. How to gather and classify
this material and how to determine what points are most effective is
the subject in this chapter_

If gold and silver were produced in relatively equal quantities,

the world would go on trading with money of both kinds, but the
proportions are not the same
If gold and silver were produced in relatively equal quantities,
the world would go on trading with money of both kinds, but the
proportions are not the same.

Few men would receive a letter like that without taking the time to

read it, at least hurriedly, and if the rest of the argument is
presented with equal force the message is almost sure to be carried
home
Few men would receive a letter like that without taking the time to
read it, at least hurriedly, and if the rest of the argument is
presented with equal force the message is almost sure to be carried
home.

The mode of foreclosure differs in some states

The mode of foreclosure differs in some states. The usual method
is to foreclose on an order from the court, and to have the sale
conducted by a court officer.

Appeals to men can be peppered with technical description and still

interest and get results
Appeals to men can be peppered with technical description and still
interest and get results. The sales manager of a house selling
cameras by mail says, in speaking of this principle:

Talking of this street and its reputation in Eugene Sue"s novels,

reminds me of the man
Talking of this street and its reputation in Eugene Sue"s novels,
reminds me of the man. When I first saw it he had just been elected to
the Chamber of Deputies by an overwhelming majority. It was not because
Sue was the favorite candidate of the republicans, but he stood in such
a position that his defeat would have been considered a government
victory, and consequently he was elected. I was glad to find the man
unpopular among democrats of Paris, for his life, like his books, has
many pages in it that were better not read. At that time he was living
very quietly in a village just out of Paris, and though surrounded with
voluptuous luxuries, he was in his life strictly virtuous. He was the
same afterward, and being very wealthy, gave a great deal to the poor.
His novels are everywhere read in France.

If the commercial and financial community is short of cash, all that it

has to do is to go to the Bank of England and borrow a few millions, and
the only effect on the Bank"s position is an addition of so many
millions to its holding of securities and a similar addition to its
deposits
If the commercial and financial community is short of cash, all that it
has to do is to go to the Bank of England and borrow a few millions, and
the only effect on the Bank"s position is an addition of so many
millions to its holding of securities and a similar addition to its
deposits. It may sometimes happen that the borrowers may require the use
of actual currency, and in that case part of the advances made will be
taken out in the form of notes and gold, but as a general rule the Bank
is able to perform its function of providing emergency credit by merely
making entries in its books.

8

8. Each bank must keep on deposit in the treasury of the United States
lawful money equal to five per cent. of its circulation as a fund
for redeeming the same. This five per cent. may be counted as
part of its lawful reserve. This does not relieve banks from the
duty of redeeming their notes at their own counters on demand.

The police regulations of Paris are very good, but not so good as those

of London, though New York might learn from her many useful lessons
The police regulations of Paris are very good, but not so good as those
of London, though New York might learn from her many useful lessons.
Rogues thrive better in Paris than in London. The Paris policeman wears
no distinctive dress, and there are streets in which if you are attacked
by night, your cries will call no officer to the rescue. The police have
been proved often to be in league with bad men and bad women, and these
cases are occurring from day to day. I should not like to walk alone on
a winter"s night, after midnight, anywhere for half a mile on the
southern side of the Seine. Some of the streets are exceedingly narrow,
and are tenanted by strange people. Still, one might have many curious
adventures in them, and escape safely--but _La Morgue_ tells a
mysterious tale every day of some dark deed--a suicide or a murder,
perhaps.

The best performance of the service of transportation by rail requires

the fullest possible co-ordination of the different parts of our
transportation system and the largest attainable measure of
co-operation among the agents who perform the service
The best performance of the service of transportation by rail requires
the fullest possible co-ordination of the different parts of our
transportation system and the largest attainable measure of
co-operation among the agents who perform the service. Section 4 of
the act of 1887 and the law of July, 1890, as far as the latter
relates to railways, are based on an unsound theory. Provision having
been made for that kind and measure of governmental regulation of
railway rates that will insure reasonable charges, the railways should
be permitted to co-operate in rate-making and be given power to pool
their competitive business.

In case none of the samples suit you, let us know what colors you

like and we will send more samples
In case none of the samples suit you, let us know what colors you
like and we will send more samples.

If no price were offered for capital, we should none of us save, or if

we saved we should not risk our money by lending it, but hide it in a
hole, or lock it up in a strong room, and so there could be no new
industry
If no price were offered for capital, we should none of us save, or if
we saved we should not risk our money by lending it, but hide it in a
hole, or lock it up in a strong room, and so there could be no new
industry.

When you buy a draft which you mean to send off in payment of a

debt, a good plan is to have it made payable to yourself
When you buy a draft which you mean to send off in payment of a
debt, a good plan is to have it made payable to yourself.

Of these three types of business stationery, the first is

essentially practical and sane; the second is forceful if it does
not violate the fundamental rules of color and design, and if it has
a peculiarly apt application; while the third is almost invariably
in as poor taste as eccentricity in dress
Of these three types of business stationery, the first is
essentially practical and sane; the second is forceful if it does
not violate the fundamental rules of color and design, and if it has
a peculiarly apt application; while the third is almost invariably
in as poor taste as eccentricity in dress.

'Does it appeal to the farmer"s need,' is the overhead question

which is back of all advertising directed at the man living on a
farm
'Does it appeal to the farmer"s need,' is the overhead question
which is back of all advertising directed at the man living on a
farm. It is not necessary to go into proofs; the reasons are
apparent.

Whatever theory of rates may be accepted as ideally best, it cannot be

strictly adhered to under the existing conditions of active competition
obtaining in the United States
Whatever theory of rates may be accepted as ideally best, it cannot be
strictly adhered to under the existing conditions of active competition
obtaining in the United States. Actual charges have to be fixed and
revised to meet the varying circumstances under which railway traffic is
conducted. This competition takes several distinct forms. One is that
between railways and waterways. A large part of the domestic traffic of
the United States has the choice of transportation by rail or by water
on the great lakes and the tributary canals, by the navigable rivers, or
by one of the many ocean routes followed by our coastwise commerce.
There is also the competition of rival railways connecting common
termini or serving the same cities. These forms of competition are the
ones most frequently noted; but they perhaps exercise a less potent
influence over rates than what is known as competition through the
markets or through the channels of trade. The competition between rival
centres of commerce and industry--between the Atlantic cities and the
gulf ports, for instance, or between the manufactures of New York and
Philadelphia and those of Chicago or Cincinnati for the markets of the
Southern States, to cite another example--is a force that must be
considered in making rates and fares. Even towns served by only one
railway and by no waterway enjoy the benefits of this industrial
competition. Unless the railroad can give the industries in these
local towns rates that will enable them to market their products,
the industries will decline and the railway will lose its traffic.

Many propositions can be exploited in this way

Many propositions can be exploited in this way. In other instances a
much more complete statement must be made to elicit a reply. Here
the illustrated personal letter comes into use. And it is
significant that in a number of specific cases these letters in post
card form have been far more productive of inquiries than ordinary
letters on the same proposition. Their unique form, the accompanying
illustrations, by their very contrast in method of approach, prompt
a reading that the letter does not get.

There are a hundred things that might be said about this commodity

that you want to market
There are a hundred things that might be said about this commodity
that you want to market. It requires a knowledge of human nature,
and of salesmanship to single out the particular arguments and the
inducement that will carry most weight with the individual to whom
you are writing. For even if you are preparing a form letter it will
be most effective if it is written directly at some individual who
most nearly represents the conditions, the circumstances and the
needs of the class you are trying to reach.

The most common effect of cheapened transportation is to increase the

distance at which it is possible for producer and consumer to deal
with each other
The most common effect of cheapened transportation is to increase the
distance at which it is possible for producer and consumer to deal
with each other. To the producer it offers a wider market and to the
consumer a more varied source of supply. On the whole, cheapened
transportation is more uniformly beneficial to the consumer; its
temporary advantage to the producer very often leads to
overproduction. It has the effect also of bringing about nearly
uniform prices the world over.

One of the first of Rabelais" books was entitled '_Lives of the great

Giant Garagantua and his Son Pantagruel'_
One of the first of Rabelais" books was entitled '_Lives of the great
Giant Garagantua and his Son Pantagruel'_. To it he owes a great deal of
his reputation and popularity. It created a vast deal of talk, and was
both highly praised and bitterly attacked. The champions of the church
criticised his book with great severity. Calvin the reformer also wrote
against it with much earnestness. The Sorbonne attacked it for teaching
heresy and atheism, and it was condemned by the court of parliament.

On pages 116 to 139 you will find complete descriptions and order

blanks of our special introductory outfits, ranging in price from $1
to $22
On pages 116 to 139 you will find complete descriptions and order
blanks of our special introductory outfits, ranging in price from $1
to $22.

In some states the court having jurisdiction of wills and estates

of deceased is known as 'the probate,' in others it is called the
'Surrogate"s Court,' and in still others, 'The Orphan"s
In some states the court having jurisdiction of wills and estates
of deceased is known as 'the probate,' in others it is called the
'Surrogate"s Court,' and in still others, 'The Orphan"s.'

The history of all the great panics which have been experienced on the

Paris Exchange would be an excellent history of the fortunes of France
The history of all the great panics which have been experienced on the
Paris Exchange would be an excellent history of the fortunes of France.
The slightest premonition of change is felt at once at the Bourse, and
as each successive revolution has swept over the country, it has
written its history in ineffaceable characters on Change. Panic has
followed panic, and the stocks fly up or down according to the views
outside. The breath of war sets all its interests into a trembling
condition, and an election, before now, has sent the thrill to the very
center of that grand old money-palace.

M

M. Roland was at this time in safety in Rouen, but when he heard of the
death of his noble wife, he resolved to give himself up at once to the
authorities. The interests of his child, however, tempted him to another
course. Should he give himself up he would certainly perish, and by the
law of France his possessions would be confiscated, and would not,
therefore, descend to his child. Were he to die, even by his own hand,
the case would be different--he would save the property for his child.
Five days after his wife perished upon the scaffold, he fell upon his
sword on a high road near Rouen. The following lines were found upon his
person:

A post card or a postal card should be enclosed in all inquiry-

bringing letters
A post card or a postal card should be enclosed in all inquiry-
bringing letters. The request for further details should be printed,
so that the prospect has only to sign his name and mail the card. In
other words, make it easy for the prospect to answer. Another thing,
don"t print anything on the card that will make it appear that the
prospect is committing himself. Paragraphs of this sort have proved
effective: 'Without committing myself, I give you permission to
furnish me full information about the subject mentioned in your
letter.'

As a general rule private corporations organised under the laws of one

State are permitted to do business in other States
As a general rule private corporations organised under the laws of one
State are permitted to do business in other States. It is quite often
to the advantage of a company to organise under the laws of one State
for the purpose of doing business in another. For instance, there are
many companies chartered under the laws of Maine with headquarters in
Boston. The Massachusetts laws require that a large proportion of the
capital be actually paid in at the time of organising, while the Maine
law has no such provision. For similar reasons many large companies
doing business in New York or Philadelphia are organised under the
laws of New Jersey.

This plan of turning a cemetery into a field for the display of splendid

marbles, is certainly not consonant with good taste
This plan of turning a cemetery into a field for the display of splendid
marbles, is certainly not consonant with good taste. It is calculated
that in forty years not less than one hundred millions of francs have
been spent in the erection of monuments in Pere la Chaise, the number of
tombs already amounting to over fifteen thousand.

RECEIVER"S CERTIFICATES are issued by receivers of corporations,

companies, etc
RECEIVER"S CERTIFICATES are issued by receivers of corporations,
companies, etc., in financial difficulties, to secure operating
capital; they are granted first rights upon the property and are
placed above prior lien and first mortgage bonds.


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Many letter writers think that these rules are all right for college

professors, journalists and authors, but impractical for the
every-day business correspondent
Many letter writers think that these rules are all right for college
professors, journalists and authors, but impractical for the
every-day business correspondent. Some of the most successful
companies in the country, however, have recognized the importance
of these very points and have adopted strict rules that give
strength and character to the letters that are sent out. For
example, here is a paragraph taken from the book of instructions
issued by a large manufacturing concern in the middle west:


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One day the head correspondent in an old established wholesale house

in the east had occasion to go through some files of ten and twelve
years before
One day the head correspondent in an old established wholesale house
in the east had occasion to go through some files of ten and twelve
years before. He was at once struck with the number of names with
which he was not familiar--former customers who were no longer
buying from the house. He put a couple of girls at work making a
list of these old customers and checking them up in the mercantile
directories to see how many were still in business.


freesoftware4copydvdsonamac
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Under the usual articles, it is stipulated that while a dual

partnership lasts, neither of the members shall make a note, sign
a bond, or enter on any outside obligation as an individual
without having secured the written consent of his business
associates
Under the usual articles, it is stipulated that while a dual
partnership lasts, neither of the members shall make a note, sign
a bond, or enter on any outside obligation as an individual
without having secured the written consent of his business
associates.


compareprices
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cheapestflight

Having drawn his draft, Mr

Having drawn his draft, Mr. Thomas takes it to the Johnson
National Bank for collection. The collection is actually made by
some bank in Cleveland to which the Johnson has endorsed it over.


carpaltunneltreatment
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Order today--now

Order today--now. Next week there may come to your notice an opening
that may be the chance of a lifetime--when my little book will be
worth its weight in gold. Besides, it tells how to create openings
when none are advertised. You need not write me a letter. Just write
your full name and address on the back of this sheet and wrap your
stamps up in it, or put your name and address on the coin-card after
you have enclosed the 25-cent piece. I"ll understand.


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The letter should begin by giving the address of the writer,

followed by the date on which it was written
The letter should begin by giving the address of the writer,
followed by the date on which it was written. This will enable the
recipient to direct his reply.


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breast
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Safety, at best, is relative only; there is no absolute safety

for the twenty-dollar piece a man has in his pocket, whether he
is on the street, at his office, or by his own fireside
Safety, at best, is relative only; there is no absolute safety
for the twenty-dollar piece a man has in his pocket, whether he
is on the street, at his office, or by his own fireside. We are
reminded that "riches take to themselves wings" and that
"thieves break through and steal." No savings bank can keep
money on hand or deposit it or loan it with absolute safety. All
is comparative. It is a peculiarity of money that each dollar
requires watching; general supervision is insufficient; hence it
is that the safety of moneyed institutions depends upon the
capacity and honesty of those in control, and not upon adherence
to arbitrary rules. No set of rules can be adopted that will
bind dishonest men nor that will compensate for want of
experience and ability of honest ones.


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In the home woman"s work is said to be never ended

In the home woman"s work is said to be never ended. If this be true, it
is the fault of the woman who plans the work, for in all the positions
of life, work can be carried on indefinitely if badly planned.


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briotrains
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Everywhere except at court, before this, Moliere was treated with the

greatest consideration on account of his brilliant genius
Everywhere except at court, before this, Moliere was treated with the
greatest consideration on account of his brilliant genius. He was
intimate with Racine and with Boileau. The story for a time was believed
that Moliere married his natural daughter, but it has been proved a
falsehood. He became attached to the sister of Madeleine Bejaet, a very
witty and graceful woman, and married her; but he soon found that she
was too fond of admiration to make him happy. She was coquettish, and
without principle, and though Moliere bore with her long, they at length
separated. He said: 'There is but one sort of love, and those who are
more easily satisfied, do not know what true love is.'


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You want a dress that does not sag--that does not grow draggy and

dowdy? Then you want to make it of Linette--the new dress goods
You want a dress that does not sag--that does not grow draggy and
dowdy? Then you want to make it of Linette--the new dress goods.


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This mail is bringing to you a copy of our new catalogue, describing

our complete line of Hawkeye Kitchen Cabinets
This mail is bringing to you a copy of our new catalogue, describing
our complete line of Hawkeye Kitchen Cabinets.


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bad credit manufactured home loan site map
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This early rule of law fixing their liability has been greatly

changed
This early rule of law fixing their liability has been greatly
changed. Carriers can now make a contract relieving themselves of all
liability for losses in carrying goods except those arising from their
own negligence. The courts in a few cases have said that they can
relieve themselves even from this, but this is not generally the law.
They can, though, by special contract relieve themselves from all
other liability. A railroad company, therefore, can make a contract
for carrying wheat from Chicago to New York, relieving itself from all
liability for loss by fire unless this shall be caused by its
negligence. If a fire should occur without any negligence on the part
of the company and goods on the way should be destroyed, it could not
be held responsible for the loss if there was such a contract between
the shipper and carrier. _A carrier is no longer an insurer for the
safe carrying of goods._


buyingguideforplasmatv
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In all these offers and schemes the price is kept carefully in the

background
In all these offers and schemes the price is kept carefully in the
background. Many firms never mention the price in the letter,
leaving that for the circular, folder or catalogue.


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cdjewelcase

Many schedules were tried before a really satisfactory one was finally

chosen for a family of six: mother, father, four small children
Many schedules were tried before a really satisfactory one was finally
chosen for a family of six: mother, father, four small children. The
eldest child was seven years old, and there was only one household
employee to help with the work. They lived in the country, and breakfast
had to be served promptly at 7:30 A.M., on account of taking the early
morning train to town.


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For an additional charge, less than the original, messages may be

repeated back to insure their accuracy
For an additional charge, less than the original, messages may be
repeated back to insure their accuracy.


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When a woman accepts a position in business, she is told exactly how

many hours a day she must work, but when a woman is engaged to fill a
domestic position in a family, the number of hours she is expected to
give her employer is never specified
When a woman accepts a position in business, she is told exactly how
many hours a day she must work, but when a woman is engaged to fill a
domestic position in a family, the number of hours she is expected to
give her employer is never specified. She is simply told that she must
be on duty early in the morning before the family arises, and that she
may consider herself off duty as soon as the family for whom she is
working has withdrawn for the night. Is it surprising that under such
conditions working women are not very enthusiastic over the domestic
proposition to-day?


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