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.


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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.


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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.


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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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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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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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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._


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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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gunbluecharcoalammonia

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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Russia"s principal business is AGRICULTURE

Russia"s principal business is AGRICULTURE. More than one half her
whole internal trade is agricultural. Her agricultural products are
one and one half times greater than the products of her manufactures
and ten times greater than her mining products or her imports. And
though her production of grain per acre is the lowest in all Europe
except Italy, Spain, and Portugal, and her total production of all
food products per acre by far the lowest in Europe (not more than one
third that of Spain, which is next lowest), yet she manages to export
a larger quantity of GRAIN than any other country in Europe, France
only sometimes excepted. Russia"s export of grain for some years past
has averaged 266,000,000 bushels a year. Her export of WHEAT alone has
averaged 94,000,000 bushels a year, or considerably more than a fifth
of the total wheat export of the world. The explanation of this
enormous export of wheat from so poor a country is that three fourths
of the people live on rye. Among the peasants wheat bread is
practically unknown, and nothing could be more pathetic than the hard
rye lumps which passed as bread during the last famine. Other
agricultural exports (besides grain) are flax, hemp, oil-seed cake,
linseed and grass seed, butter, eggs, wool, hides, and hogs" bristles.
Wood, lumber, and timber are also extensively exported. England is
Russia"s best customer. The amount of England"s annual importation of
the above products (including grain) exceeds $112,000,000.


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Bond houses and banks of established reputation cannot afford to

deceive; they receive their compensation in the way of commissions
on sales, and their characterization of the bonds may be accepted
without question, for they invariably investigate the bonds,
before they lend their names to them by offering them for sale
Bond houses and banks of established reputation cannot afford to
deceive; they receive their compensation in the way of commissions
on sales, and their characterization of the bonds may be accepted
without question, for they invariably investigate the bonds,
before they lend their names to them by offering them for sale.


capitaloneplatinumvisa
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americanbudgetncreditcounsel

The letterhead offers wider opportunities for an array of data

The letterhead offers wider opportunities for an array of data.
Pictures of offices, buildings and factories, trade marks, lists of
branch offices, cable codes and the names of officers and executive
heads may be used, but too much reading matter leads to confusion.
The tendency today is toward simplicity. The name and address of the
firm, and the particular department or branch office from which the
communication comes, is regarded as sufficient by many houses. The
day of the letterhead gay with birds-eye views of the plant and much
extraneous information seems to be passing, and money that was once
spent in elaborate designs and plates is now put into the 'quality'
of the letter paper--and quality is usually marked by dignified
simplicity and directness.


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'Don"t hold yourself down,' 'Don"t be bottled up,' 'Don"t keep your

nose on the grindstone'--these are the forceful figures used in the
letters of a correspondence school
'Don"t hold yourself down,' 'Don"t be bottled up,' 'Don"t keep your
nose on the grindstone'--these are the forceful figures used in the
letters of a correspondence school. The most ignorant boy knows that
the writer did not mean to be taken literally. Such figures are
great factors in business letters because they make the meaning
clear.


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'When we showed this fixture to John Wanamaker"s man, it took just

about three minutes to close the deal for six of them
'When we showed this fixture to John Wanamaker"s man, it took just
about three minutes to close the deal for six of them. Since then
they have ordered seventy-four more.'


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But though Madame La Fontaine was guiltless in this affair, her

character was by no means above reproach
But though Madame La Fontaine was guiltless in this affair, her
character was by no means above reproach. She was giddy and thoughtless,
and fond of the society of gentlemen, and made a poor wife for the
poet. But she had an excuse. La Fontaine bestowed upon her no attention,
deserted her for weeks together, and was guilty of amours with other
women. He possessed a wretched memory, and was given to astonishing
absences of mind. The duchess of Bouillon left him one morning walking
in the open air, with a favorite book in his hand. At night he was still
there, though it had been raining hard for some time.


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In modern business enterprises, there is hardly a single instance of an

employer who is willing to board his employees, nor would he consider
for a moment the proposition of allowing them to remain at their place
of employment all night and of providing sleeping accommodations for
them
In modern business enterprises, there is hardly a single instance of an
employer who is willing to board his employees, nor would he consider
for a moment the proposition of allowing them to remain at their place
of employment all night and of providing sleeping accommodations for
them. Neither in consideration of benefiting them, nor with the view of
benefiting himself by thus making sure of having them on hand for work
early the next morning, would he ever consent to such an arrangement.
When he needs some one to watch over his interests in the night time,
he engages a night watchman, a very much more economical plan than to
provide lodging for all his employees.


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In former times, some of our older readers will remember them, the

Government meant to have the metal in each coin of about its
unstamped value in the market
In former times, some of our older readers will remember them, the
Government meant to have the metal in each coin of about its
unstamped value in the market.


californiaenvredevtfund2cllc
cdrackforbookshelf
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Alexander soon came to Paris again, not this time supporting himself by

his gun, but with money which his mother gave him
Alexander soon came to Paris again, not this time supporting himself by
his gun, but with money which his mother gave him. He had letters of
recommendation to some of the old generals of the empire, and installed
himself comfortably in the _Place des Italiens_. Some of the men to whom
he had letters received him coldly, but in General Foy he found a warm
friend and protector. He introduced him to the notice of the duke of
Orleans, who finding that the young man possessed a good hand-writing,
which, by the way, he preserves to this day, he made him one of his
secretaries, and gave him a salary of twelve hundred francs. Alexander
now considered himself on the high road to fortune. He was in Paris--and
with a salary! It was small, to be sure, but he was where he could
frequent the theaters, and his patron was a man of eminence. He had
little to do, and read Shakspeare, Scott, Goethe, and Schiller. He said
to General Foy, 'I live now by my hand-writing, but I assure you that
one day I will live by my pen.' This shows that he looked forward to a
literary life--that he foresaw, in a measure, his after success in
literature. He soon began to write, and some of his plays were so well
liked by the managers of different theaters, that they bought them and
brought them out. He had already, while a secretary, begun to receive
money for his writings. He wrote for his mother who came up to Paris,
and the couple took up their residence in a humble apartment in the
faubourg St. Denis. For a time after this, his efforts were attended
with poor success, but he had the good fortune to please the
director-general of the theaters by a tragedy, and he promised him that
it should be brought out. Before this was done the director left for the
east, and in his absence the man who took his place refused to bring out
the play. Dumas made loud complaint. The censor asked him if he had
money, and he replied that he had not a _sou_. He demanded of him what
he depended upon for his support, Dumas referred to his salary of twelve
hundred francs, as secretary to the duke of Orleans. The censor advised
him to stick to his writing-desk. This was not only cruel, but very
unjust treatment of an author of great promise. In this play, it is but
right to state, Dumas exhibited the weakness which has almost uniformly
characterized his career--that of plagiarism. His situations, and
sometimes his language, were stolen from Goethe, Scott, etc., etc. His
next play was entitled _Henry III._, and was brought out under the
protection of the duke of Orleans. It was very successful, and he
received for it the sum of fifty thousand francs. It was, like the play
which preceded it, filled with stolen passages and scenes, but this did
not detract from its success. He now left his humble lodgings and took
up his residence in the Rue de l"University, where he lived in splendid
style. He was not a man to hoard his money, but to enjoy it as it was
earned.


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There are many places in the Palais Royal, the basement floor of which,

fronting upon the court of the palace, is given up to shops, where for
two or three francs a dinner can be purchased which will consist of
soup, two dishes from a large list at choice, a dessert, and bread and
wine
There are many places in the Palais Royal, the basement floor of which,
fronting upon the court of the palace, is given up to shops, where for
two or three francs a dinner can be purchased which will consist of
soup, two dishes from a large list at choice, a dessert, and bread and
wine. There are places, indeed, where for twenty-five sous a dinner
sufficient to satisfy one"s hunger can be purchased, but I must confess
that while in Paris I could never yet make up my mind to patronize a
cheap _restaurant_. I knew too well, by the tales of more experienced
Parisians, the shifts to which the cook of one of these cheap
establishments is sometimes reduced to produce an attractive dish. The
material sometimes would not bear a close examination--much less the
_cuisine_.


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Persons holding positions of financial trust, whether public or

private, may be, and most of them are, required to furnish bonds
for the faithful performance of their duties
Persons holding positions of financial trust, whether public or
private, may be, and most of them are, required to furnish bonds
for the faithful performance of their duties.


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That remark wasn"t meant for our ears, but one of our solicitors

couldn"t help overhearing it
That remark wasn"t meant for our ears, but one of our solicitors
couldn"t help overhearing it. It was made by a prominent advertiser,
too. We wish we could give his name, but when we asked permission to
quote he smiled and said he"d rather not. So, we"ll have to refer
you to our advertising pages.


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It would be far better for the housewife as well as for her employees,

if the housework were limited in a similar way
It would be far better for the housewife as well as for her employees,
if the housework were limited in a similar way. But with the
introduction of the eight-hour law in the home, certain new conditions
would have to be rigidly enforced in order to ensure success.


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While the rule as to the redemption of mortgages remains the same

in some localities that it formerly was, the law in most places is
now more lenient
While the rule as to the redemption of mortgages remains the same
in some localities that it formerly was, the law in most places is
now more lenient.


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backexercisemachine

It is impossible for me in a brief sketch to even mention _all_ the

apartments in the Louvre, and I must pass by many
It is impossible for me in a brief sketch to even mention _all_ the
apartments in the Louvre, and I must pass by many. The upper floor is
devoted to a Marine museum. It contains fourteen rooms, all well-filled
with curiosities. Among them I noticed some excellent models of brigs,
ships, men-of-war, Chinese junks, etc. There is in this suite of rooms a
fine display of American curiosities. It first struck me that Colton"s
collection must be before me, but I soon discovered my mistake.


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Hugo was still a royalist

Hugo was still a royalist. It was more a sentiment than a principle with
him, for he had not yet regarded politics with conscientious study. In
1826 a publisher made a collection of his poems, and issued them in one
volume. It brought him wealth and renown. But though all this while Hugo
was very happy in his family, yet the critics were bitter in their
attacks upon him. He was accused of plagiarism, and especially when a
new romance of his came out, he was accused of stealing it from Walter
Scott.


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arizonamedicalinsurance

'There is no better time to start in this business than right now

'There is no better time to start in this business than right now.
People always spend money freely just before the holidays--get in
the game and get your share of this loose coin. Remember, we ship
the day the order comes in. Send us your order this afternoon and
the goods will be at your door day after tomorrow. You can have
several hundred dollars in the bank by this time next week. Why not?
All you need to do is to make the decision now.


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beachitaly

In formulating the rules, two things should be kept in mind--

clearness, to make the meaning of the writer plain; and a pleasing
appearance that will make a favorable impression upon the reader
In formulating the rules, two things should be kept in mind--
clearness, to make the meaning of the writer plain; and a pleasing
appearance that will make a favorable impression upon the reader.
The sole purpose of punctuation marks is to help convey a thought so
clearly that it cannot be misunderstood and experienced writers
learn to use the proper marks almost intuitively. The rules are
applied unconsciously. Many correspondents in dictating designate
the beginning and the close of each sentence but others leave this
to the intelligence of the stenographer, and there is no better rule
for those to whom such matters are left than to be liberal in the
use of periods. Avoid long, involved sentences. There is little
danger of misunderstanding in short sentences.

Don"t take the trouble to write us a letter, just pencil on the foot

of this the name of the manager of the department you would like to
begin with, and we will explain all about these display racks to
him
Don"t take the trouble to write us a letter, just pencil on the foot
of this the name of the manager of the department you would like to
begin with, and we will explain all about these display racks to
him.

It is little wonder that Honduras has been in default on these loans

ever since
It is little wonder that Honduras has been in default on these loans
ever since. In its Report the Committee commented severely on the action
of Don C---- G----, the London representative of the Republic. 'He
sanctioned,' it says, 'Stock Exchange dealings and speculations in the
loans which no Minister should have sanctioned. He was a party to the
purchase of the mahogany cargoes, and permitted the public to be misled
by the announcements in relation to them. By express contract he
authorized the "additional drawings." He assisted Mr. L---- to
appropriate to himself large sums out of the proceeds of the loans to
which he was not entitled.' Very likely he had not a notion as to what
the whole thing meant, and only thought that he was doing his best to
finance his country along the road to wealth. But the fact remains that
by these actions he made his Government a party to the proceedings that
were so unfortunate for it and so ruinous to the holders of its bonds.

M

M. Thiers has figured prominently in French politics, was a minister of
Louis Phillippe, and is a historian. He is a man of a singular nature,
witty and eccentric, rather than profound and dignified, and it will not
do to pas him by without a notice. He was born in Marseilles, in the
year 1797. His father was a common workman, but his mother was of a
commercial family which had been plunged into poverty by a reverse of
fortune. The young Thiers was educated through the bounty of the state,
at the school of Marseilles, and was, when a boy, known principally for
his rogueries. He sold his books to get apples and barley-sugar.
Punishments seemed never to have any terror for him. At one time he
concealed a tom-cat in his desk in the school, with its claws confined
in walnut shells, and suddenly in school hours let him loose, to the
great astonishment and anger of his teachers. He was condemned to a
dungeon for eight days, and received a terrible reprimand. The effect of
either the lecture or the imprisonment was decided. He became docile and
obedient, and paid attention to his studies. For seven years he studied
with unremitting attention, and during all that time took the first
prizes of his class. He now went to Aix to study law, where his old
habits returned to him, and he became wild and mischievous in his ways.
At eighteen Adolphe Thiers was a favorite with the liberals and a terror
to the royalists, and was the leader of a party at Aix. He already
showed fine powers of oratory and composition, which later conducted him
to power. He spoke and wrote in the interest of the enemies of the
restoration. He wrote for the newspapers whose columns were open to him,
and increased the vigor and eloquence of his style by this constant
practice.


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I will have only a day or two and I want to ask you and all my

Cousins to meet me at this opening
I will have only a day or two and I want to ask you and all my
Cousins to meet me at this opening. I am anxious to see you and this
will be a good opportunity for us to meet. Don"t fail to meet me.


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These bonds may be transferred the same as stock

These bonds may be transferred the same as stock. They are a good
form of security when it is desired to borrow money from the bank,
and for many purposes they are as available as so much cash.


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In front of me there was an orchestra, and some singers, who discoursed

very good music for the benefit of all persons who patronized the
restaurant
In front of me there was an orchestra, and some singers, who discoursed
very good music for the benefit of all persons who patronized the
restaurant. A multitude of ladies and gentlemen were ranged under the
trees before them, sipping coffee, wine, or brandy. The sight was a very
gay one, but not uncommon in Paris.


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Of Eugene Sue"s character it is, perhaps, needless for me to make any

criticisms
Of Eugene Sue"s character it is, perhaps, needless for me to make any
criticisms. He has many admirers in all parts of the world--and also
many enemies. That he is a romancer of astonishing powers nobody will
deny, but we well may question the use he has made of those powers.
Nearly all of his earlier romances are unfit for the eyes of pure men
and women, and now that he is dead, let us hope that they too will
perish. In later years, M. Sue has endeavored to advocate the cause of
the poor, and with great eloquence, in his fictions. But he has probably
caused as much harm by the licentiousness of his style, as he has
accomplished good by his pleas for the poor. It is stated that he has
given very liberally to the poor, and in practice exemplified his
doctrine. His books give an indication of the present fashionable
morality of Paris and France, and though they have sold largely in
America, their influence cannot be good.


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When freight is consigned to 'Order' it is, as a rule, for the

purpose of securing the payment at destination of a draft for
the value of the property
When freight is consigned to 'Order' it is, as a rule, for the
purpose of securing the payment at destination of a draft for
the value of the property. The draft is usually attached to the
bill of lading and sent through a bank for collection from the
party at destination, who is to be notified of the arrival of
the freight. The payment of the draft secures to the payer the
possession of the bill of lading, which must be indorsed by the
party to whose order the property is consigned.


cheaphotel

'We have your valued inquiry of recent date and, as per your

request, we take pleasure in enclosing herewith a copy of our latest
catalogue,' and so forth
'We have your valued inquiry of recent date and, as per your
request, we take pleasure in enclosing herewith a copy of our latest
catalogue,' and so forth.


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Bond brokers frequently use this same idea, writing to a customer

that a block of stock or a part of an issue of bonds had been
reserved for him as it represented just the particular kind of
investment that he always liked--and reasons follow showing how
desirable the investment really is
Bond brokers frequently use this same idea, writing to a customer
that a block of stock or a part of an issue of bonds had been
reserved for him as it represented just the particular kind of
investment that he always liked--and reasons follow showing how
desirable the investment really is.


cialisorder

In opening the letter the importance of the salutation must not be

ignored
In opening the letter the importance of the salutation must not be
ignored. If a form letter from some one who does not know Mr. Brown,
personally, starts out 'Dear Mr. Brown,' he is annoyed. A man with
self-respect resents familiarity from a total stranger--someone who
has no interest in him except as a possible customer for his
commodity.


breastcancerdrugs

To appreciate the difference between Royal Mixture and the 'others,'

just put a little of it on a sheet of white paper by the side of a
pinch from a package of any other smoking tobacco manufactured
To appreciate the difference between Royal Mixture and the 'others,'
just put a little of it on a sheet of white paper by the side of a
pinch from a package of any other smoking tobacco manufactured. You
won"t need a microscope to see the difference in quality. Smoke a
pipeful and you will quickly notice how different in mellowness,
richness and natural flavor Royal Mixture is from the store-bought
kind.


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Taxes are forced contributions levied on citizens to provide money

for public expenses, such as law and order, schools, charities and
public institutions
Taxes are forced contributions levied on citizens to provide money
for public expenses, such as law and order, schools, charities and
public institutions.


torontocardelivery