Self-Improvement as An Asset.

Education is power. No matter how small your salary may be, every bit of valuable information you pick up, every bit of good reading or thinking you do, in fact everything you do to make yourself a larger and completer man or woman, will also help you to advance. I have known boys who were working very hard for very little money to do more for their advancement in their spare time, their half holidays, by improving their minds, than by the actual work they did. Their salaries were insignificant in comparison with their growth of mind.

I know a young man who jumped in one bound from a salary of five thousand to ten thousand dollars, largely because of his insatiable effort at self-improvement. His great passion seemed to be to make the largest and completest man possible.

This young man is a good example of the possibility of reputation to help one on in the world. Everybody who knew him, knew that he was determined to make something of himself. It did not make any difference if his fellow employes wanted to throw their time away, he did not. They soon found that it was of no use to try to tease him away from his reading or studying, for he had set his mind toward the future. He had no idea of being a little, small, picayune man. He had a passion for enlargement, for growth. Those who worked with him were very much surprised at his rapid advancement; but there was a good reason for every bit of it. While they were spending their evenings and money trying to have a good time, he was trying to educate himself by a rigid course of selfimprovement.

Everywhere we see young men and young women tied to very ordinary positions all their lives simply because, though they had good brains, they were never cultivated, never developed. They never tried to improve themselves, did not care to read anything. Their salaries on a Saturday night, and a good time, are about all they see; and the result the narrow, the contracted, the pinched career. Men and women who have utilized only a very small percentage of their ability-not made it available by discipline and education,-always work at a great disadvantage. A man capable, by nature, of being an employer, is often compelled to be a very ordinary employee because his mind is totally untrained.-Success Magazine.

Charles Sumner said: "Three things are necessary for success, first back bone, second back bone, third back bone." In this century of hustle and rush he would no doubt have added: fourth advertising, fifth advertising, six advertising.

Pointers on Advertising.

13

It is just as extravagant to stop advertising as to advertise recklessly. Both are fatal.

Some people have good advertising ideas, but lack the ability to put them into successful operation.

It is useless fishing for jack with a fly hook or to seek big results from a small advertising campaign.

Most advertisements contain "food for reflection," but much of it is poorly cooked and roughly served.

Increasing competition will compel non-advertisers to advertise, and present advertisers to advertise more.

Advertisements, like high-pressure steam, must be directed along proper channels to exert their full powers.

There is too much advertising today that does not pay. This is what makes business people sore on advertising. It is worthless ads that will not bring results that lie at the root of the trouble. It is the advertisers' fault. He too often goes at it in a random manner. An advertisement will not be heeded that is mainly composed of statements regarding the uniform excellence of goods kept on hand, and stating that the advertiser has the largest store and the largest stock in town, etc. The purchaser wants to know just what you have to sell and what your prices They read your advertisements for the same reason that they read other parts of the publication-to get information. If advertisements are not read it is the fault of the advertisers. They must be made interesting. Brains pays as well in the advertising columns as on the editorial page. The lack of judgment and knowledge in the advertising columns is why so many ads fail to attract attention and draw trade. Farm your advertising space diligently, carefully, thoughtfully. Make it pay you.

are.

The man who is safe under all circumstances is the man who is sure of himself. However, this doesn't mean too much ego nor conceit.

When an agent signs a receipt, he should first sign his name and then write his principal's name underneath.

A receipt is not necessary when paying a note or draft as the indorsement of the payee and the return of the instrument itself becomes a receipt.

A receipt obtained through fraud or given by error or mistake is void.

If a written notice has been sent you, take notes and those of their customers separately.

Notes without recourse. In selling a note that also with you. Banks keep their own payable to your order, you must write your name upon the back, otherwise it cannot begally be transferred. With your name written on the back, you are held legally responsile for the payment of the note should the maker fail to pay. But if it is distinctly understood when you sell the note that you assume no further responsibility, then you must write on the back above your signature the words "without recourse."

Notes with surety. When holding a note against a party that is signed by some one else as surety, you must not consent to an extension of time when the note comes due, unless the person who has signed it gives his consent in writing. If the time of the note is to be extended it is better to write a new note and have the parties sign it.

Notes paid at a distance. When you pay notes to parties living at a distance, request them to send it to the nearest bank for collection. You can then go there and make payment. This is the proper and most businesslike way to pay a note held by parties living at a distance.

Do not accept interest or part payment of principal without having them indorsed upon the notes. All payment of principal and interest must appear as indorsements upon the back of the note.

If the words "order" or "bearer" are omitted, the note is not transferrable.

Paper payable to bearer is transferred by delivery, payable to order by indorsement.

A note destroyed by fire can be collected by sufficient proof.

A note as a gift is void for want of consideration.

Money paid under mistake must be refunded. A note given by one who is not of age cannot be collected by law. If the minor ratifies after becoming of age, it becomes valid.

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Demand for payment of a note must be made upon the last day of grace; if that day is a Sabbath or a holiday, demand must be made on the day previous.

Notes past due. Do not buy a note past due, especially such as are not secured by mortgage. In exceptional cases it may be right and proper. A cautious man will seldom have anything to do with a note that is past due.

Canceled notes. In the case of notes secured by mortgage it is well to cancel them or mark them paid, whenever they are taken up, but do not destroy them. Every note should be kept until the last one has been paid and the mortgage released.

Indorsements. Whenever a payment of interest or principal is made upon your note, see that it is properly indorsed, and examine to be sure that it is your note. Indorsements are sometimes made upon the wrong paper.

Notes held at bank. When you call for your note at a bank, always mention the exact day when it becomes due. If it is another party's paper which the bank holds for collection then you must also give the name of that person.

Do not neglect to state whether the receipt is "on account," "in full of all accounts," or "in full of all demands."

The law compels no one to give a receipt, but business courtesy has established the custom of giving them when desired.

If people who transact business were more particular regarding the giving and taking of receipts, there would be less trouble, fewer lawsuits and thousands of dollars would be saved.

That clause in a receipt which defines the debt or purpose for which payment is made is of great importance and should not be omitted.

A complete receipt should contain the following statements:

That the payment has been received.

1.

In a recent report Dr. Reese, of Berlin, says, that boys have bigger brain capacity than girls to a degree that cannot be explained on the ground of greater physical development. The girl's brain, however, reaches its highest powers earlier, while the boy's goes on developing after the girl's has reached its maturity. Thus at an earlier age girls may often outstrip boys, although the brains of well known girls remain smaller than those of physically backward boys.

A Cottonwood tree recently cut in Mississippi contained 4,800 feet of lumber.

All life on earth appears only in connection with one substance, a watery jelly closely related chemically to egg albumen-and this substance is known as protoplasm. Every living thing is built of this one substance-jellyfish, trees, whales, men everything that lives. Biologists have succeeded in doing some wonderful things. Five or six starfish eggs have been fused into one, from which a monster starfish has been produced. Other starfish eggs have been separated into eight pieces from which eight dwarf starfish have been brought forth. Crabs can be made to order with the large claw on either the right or the left side, and flatfish have been produced with the color pattern on the underside.

The huge serpent, the boa constrictor, has 320 pairs of ribs.

A diamond is nothing but carbon, almost absolutely pure. If a diamond be raised to a white heat in the absence of oxygen, it turns into a black mass, which is virtually the same as a piece of charcoal. Diamonds which are not absolutely white, owe their tinge of color to the presence of oxides of various metals, such as iron.

The Bavarian government will install a locomotive claimed to make 94 miles an hour.

The red cross was chosen as the badge of the Humane Society out of compliment to Switzerland. The design with the colors reversed being the Swiss national flag. At the Geneva convention, in 1864, the nations decided upon a common flag and badge for hospitals, surgeons, etc. The red cross was then chosen.

A French invention, consisting of bulb thermometers, predicts at sundown whether there will be a frost.

Professor Banks, in charge of the Chicago University Babylonian expedition, writes in the Scientific American that bricks were used in Mesopotamia 10,000 years ago. The country is a great alluvial plain, and houses had to be built

of clay. The builders found that placing chunks of clay to dry in the sun, rendered building easter and made the walls more durable. Hence the first brick. About 4500 B. C. some Babylonian discovered the bricks could be burned, and the art gradually progressed. Six thousand years ago makers began to stamp their signs on the bricks, and the royal builders adopted a series. of marks which enables the era of buildings to be accurately fixed. Professor Banks found many bricks in vast edifices stamped "Nebuchadnezzar, King of Babylon."

In the seventeenth century natives of Madagascar used to visit the Ile de France to buy rum, which they carried away in vessels formed from eggshells of the extinct epyornis. These shells, of which some have been preserved in European museums, measure three feet in circumference and hold over two gallons, six times as much as an ostrich egg, or 150 times as much as an ordinary hen's egg. Eggs of the now extinct moa have been found which measured twenty-seven inches in circumference, so that the ostrich is a bad third in the size of its eggs.

The negro republic of Liberia has twenty-two species of rubber trees.

The seven wonders of the ancient world were: (1) The pyramids of Egypt. (2) The mausoleum, or tombs, built for Mausolus, King of Caria, by his Queen Artemisia. (3) The temple of Diana, at Ephesus. (4) The walls and hanging gardens were five in number, each containing about four acres. They rose in terraces until they were level with the walls of the city, the whole pile being sustained by arches upon arches. The arches were topped with flagstones and bitumen, on which were laid sheets of lead and on top of this the mould for the gardens. (5) The vast brazen image of the sun, at Rhodes, called the Colossus. This statue was thrown down by an earthquake in the year 224 B. C. After lying in ruins for centuries, the Saracens, on capturing Rhodes, tore it to pieces and sold the brass, 720,900 pounds, in 653 A. D. (6) The ivory and gold statue of Jupiter Olympus. (7) The Pharos, or lighthouse, built on the Island of Pharos on the Egyptian

coast.

In northern Australia there is one white man per 700 square miles.

A mixture of tar and iron slag is used in Germany for paving.