Increased wages shorter hours and perhaps lower efficiency for the hours worked have done more to raise the cost of living than almost anything else this higher cost of production we see on the farm in the factory in transportation in merchandising and even in domestic service we cannot double the cost of excavating brick-laying plumbing and decorating and expect not to double the rents that we must pay the cost of building has increased as the demands of laborers increased as their hours of work decreased and as their wages advanced the materials that go into a building the transportation of that material the labor of assembling it and the labor of fashioning it into a building have all advanced in price.

Moreover, high living has a great deal to do with the high cost of living because it has made most of us think that we must have more conveniences more luxuries more clothes and more amusements than our fathers had with a return to the thrift of our fathers with a return to their desire for work we shall no longer feel the grip of the high cost of living there is a real danger to our nation in our extravagance in our indifference to cost in our sweep toward ease and idleness and in our growing antipathy for work.

Some of the paper money in circulation is so dirty that one feels the need of gloves in handling it, and the suspicion that it is germ laden might well be verified. It has often been said that money spreads contagious diseases, nor can such a statement be questioned when one remembers that money goes into every kind of home and is handled by many infected persons. The government has long felt that something should be done to lessen this means of spreading disease, and a machine has finally been invented that will wash and iron the dirtiest bills until they look almost as fresh as new ones. The entire cost of operating the device is hardly fifty cents for each thousand bills, but it is estimated that it will save the government as much as a million dollars a year.

Luck is ever waiting for something to turn up; labor with keen eyes and strong will turns something up. Luck lies in bed and wishes the postman would bring him news of a fortune; labor turns out at six o'clock and with busy pen or ringing hammer lays the foundation of a competence. Luck whines; labor whistles. Luck relies on chance; labor on character.—Cobden.

Rule 3.—The comma is used before the coÖrdinate conjunction in a compound sentence. If the conjunction is omitted, a semicolon must be used.

Sawdust as a fire extinguisher sounds absurd but recent experiments in Boston have proved it to be successful in quenching fires in tanks of oil and other inflammable liquids the Boston experiments were conducted with tanks of burning varnish but the same principles seem to apply to tanks of burning oil the floating sawdust forms a blanket that shuts off the air from the flames and the lack of oxygen causes the fire to die out the experiments were tried with both wet and dry sawdust and the dry material seemed to extinguish the fire as quickly as the wet.

Select the kind of business that suits your natural inclination and temperament some men are naturally mechanics others have a strong aversion to machinery because they do not understand it some men are imaginative others are purely practical some prefer active work others like sedentary employment all should select those occupations that suit them best.

Certain Western railroads have long felt the need of a new material for sleepers and they have been experimenting for some time past with cocobolo or Japanese oak the wood is so hard that it is almost impossible to drive spikes into it and screwed spikes in bored holes are used these sleepers will cost a trifle more than those made from American oak but they are expected to last twenty-five or thirty years the reason for experimenting with foreign woods is that native oak is becoming scarce and it is deemed wise to search in time for a substitute.

We wrote you on the third but as yet no word has come of your decision in regard to the investment you were considering at 475 Second Avenue let us have your order and we shall at once prepare the contract of sale the building is an especially attractive offering at $9,500 and we feel sure that you will find the return from it unusually large.

If a city is to be kept in good condition, every citizen must pay his share of the expense. If the dreadful epidemics are to be exterminated, there must be a good board of health to see that everything is kept sanitary. When the health officers do their work well, the health of the city improves. In order that the decrees of the health department and of the courts may be enforced, there must be a good police department. Besides having these advantages, cities need good streets and good schools. Because all of these good things cost a great deal of money, high taxes must be levied to pay for them.

Although cotton seed used to be considered worse than rubbish there now come from it every year millions of dollars in profit. Formerly if it was not hauled away to rot it was usually dumped into a neighboring stream and there it did much harm even if we had the space it would be impossible to explain all the products now made from the seed paper and an excellent meal for cattle may be made from the hulls but the most important products are made from the kernels besides making meal for cattle they are readily converted into crude oil according to the degree of refining that it receives this oil may appear as oil for miner's lamps lard compounds or salad oils as an illustration of the way in which modern manufacturers utilize former waste products the cotton seed is supreme.

When you sell your old clothes to the ragman do you know that they come back to you as writing paper because the metal buttons buckles and hooks that are often left on the garments cannot be converted into paper they used to be a source of annoyance to the papermaker although the cloth sorters tried to remove them before the garments went into the pulp vats some were overlooked if any found their way into the pulp they tore holes in the paper and often damaged the rollers in order that such danger may be avoided the pulp is now passed through a series of magnetized rakes as the rakes are passed to and fro every bit of metal clings to them when a quantity of such bits of iron is collected it is sent to the foundry to return to us in many new forms.

Investigating your complaint of the fifth instant we found that the furniture which you ordered on the tenth of last month left our factory on the fifteenth if all had gone well you would have received the articles on or about the twentieth as you surmised the delay in the arrival of the goods is due to a mistake on the part of the railroad company although the goods were properly billed to you they were allowed to go on to Columbus if you do not receive them within ten days' time let us hear from you again.

Complying with your request of the 10th inst. I am sending you particulars of the property which I wish to sell as I told you when I was in your office last week the price at which I am holding the building is $20,000 if the buyer prefers not to assume the mortgage of $10,000 I think I can get the mortgagee to agree to accept present payment for the note that he holds against me unless the buyer agrees to pay the unpaid taxes for last year and the assessments levied for improvements already made I shall not consider a sale.

After all preliminary arrangements are made if you will prepare a contract of sale and forward it to me I will have the abstract brought down to date and secured by a guaranty policy.

Since I presume that the prospective purchaser has examined the property and is satisfied to pay the price for it in its present condition I would suggest that you do nothing more toward securing bids for rebuilding the porches.

In December, 1912, I wrote to you from Seattle, Washington.

In December of the year 1912 I wrote to you from Seattle in the state of Washington.

Of the three stenographers Mary received fifteen dollars a week; Ellen, twelve; Susan, ten.

1. The bonds will be taken over on or before October 1 1934.

2. On January 1 1913 the company had outstanding $4,000,000 of stock of the par value of one dollar a share.

3. The offices are at Salt Lake City Utah.

4. The transaction was officially conducted between the Power Bond & Share Co. New York and the Pacific Power Co. Tacoma Washington.

5. A late announcement of the Census Bureau tells us that the center of population of the United States is four and one-quarter miles south of Unionville Monroe County Indiana.

6. Many mechanical devices in common use may be traced to the patterns furnished by nature. Thus the hog suggests the plow; the butterfly the ordinary hinge; the toadstool the umbrella; the duck the ship; the fungus growth on trees the bracket.

7. The per capita saving in the banks of the United States in 1820 was twelve cents; in 1830 fifty-four cents; in 1840 eighty-two cents; in 1850 $1.87; in 1860 $4.75; in 1870 $14.26; in 1880 $16.33; in 1890 $24.75; in 1900 $31.78; in 1910 $45.05; and it is still increasing.

8. The population in 1820 was 10,000,000 and in 1910 90,000,000.

9. Mexico draws about 55% of her imports from the United States; Nicaragua about 50%; the other Central American states from 35 to 75%; Venezuela 31%; Cuba 52%.

10. In one decade Germany's exports to Latin-America have shown an increase of 222%; those of the United Kingdom an increase of 115%; and those of the United States an increase of 130%.

1. William E. Curtis, one of the world's ablest newspaper correspondents, in his will expressed the hope that his grandson would continue his life-work, a recital of the good that men had done and not of the crimes they had committed.

2. The new device, the adding machine, has greatly lessened office drudgery.

3. Wall street, the great center of business life, fixes stock prices.

4. The people in moderate circumstances, the excellent middle class of a country, suffer most from the strain of high prices.

5. The Montreal Tramways Company, the first company to introduce pay-as-you-enter cars, started its business in the winter of 1861 with a very simple equipment, two horse-drawn sleighs.

6. The Early Gem musk melon, one of the best shipping melons grown, is a cross between the Rocky Ford and the Emerald Green varieties.

7. In making up our collections and bargain offers for this year, we have arranged to put up a "Surprise Box," one hundred packages of selected vegetable and flower seeds.

8. The Chinese Giant, a new variety of sweet pepper, produces branching plants about two feet in height.

9. Amundsen, the discoverer of the south pole, is a native of Norway.

In Ohio and Kentucky enterprising individuals, evidently taking the suggestion from the popular rural delivery service, have established ice cream routes. Ice cream wagons travel the country roads at stated times so that, with no more trouble than is required to answer the postman's whistle, dwellers on the farms can now secure the hot weather luxury at reasonable prices. The plan, so far as one can tell from present indications, gives promise of meeting with great success.

The politics of the city as well as those of the nation must be kept clean. The most intelligent men of the community not the least intelligent should make our political speeches and be our political leaders. The very opposite we must confess is what we see too often. Many business men steadily pursuing their own ends during the day feel that they cannot devote time to politics. We need not search far to discover that too many of them even if they have the time do not care to give it. At election the most influential business and professional men either through lack of interest or through laziness stay at home instead of going to the polls. The men who are elected in nine cases out of ten are not fit to hold office. The blame belongs every one will agree to those who do not vote.

England as most people know is becoming vastly interested in the production of cotton in the Soudan. This state of affairs for more reasons than one is a matter of interest to the American manufacturer as well as to the American cotton planter. Egyptian cotton ranking next to our own sea-island in length and strength of fiber is wanted because of the brilliant finish it gives. For the manufacture of fine goods including sateens India linens and mercerized goods as well as for mixing with silk it has been found very valuable. Cotton growers expect that the enlargement of the Assouan dam will eventually redeem about a million acres from the desert in Lower Egypt and although not more than half will probably be planted to cotton it will increase Egypt's output about twenty-five per cent. Our Department of Agriculture after having experimented for years has developed and acclimated in California a variety of Egyptian cotton superior several experts say to the real Egyptian. It now rests with the planters any one can see to decide whether American manufacturers will get their fine cotton at home or abroad.—The Wall Street Journal.

For several reasons some of them certainly unworthy people on both sides of the Atlantic are talking of the perils of a "yellow" invasion. It is true that in the past various invasions have been attended with evil but civilization has passed on into an age when migrations even the mightiest that the world has seen are taking place silently and steadily for the good of all. There is no reason to suppose that the overflow and interflow of nations heretofore synonymous with the progress of humanity should bring to us anything but good. Commerce is to lead the van in the new movement of the nations as it has in the past and the merchant consciously or unconsciously is going to anticipate and guide the statesman.—The Commercial and Financial Chronicle.

The prevailing spirit at least among a certain class of young business men seems to be that the saving of little things in the course of the day consumes time entirely out of proportion to the value of the things saved but like all general rules it is carried too far by young men who could hardly employ their time to better advantage than in saving good though minor materials that would otherwise be lost. The man who originated the idea probably found it correct for himself but like all principles catering to indifference regarding details the idea is too readily adopted by many young men who can ill afford its practice. No one wishes a man to be parsimonious but he should not allow anything to be wasted which can with a reasonable exercise of effort be saved.

Gentlemen, the big problem before us to-day, therefore, is the trusts. Shall the people control the trusts, or shall the trusts control the people? To state the question differently, shall we all continue to keep a voice in government, or shall we turn our power over into the hands of a few and let their word be law? This centralizing of power, by the way, was the evil men tried to remedy by forming republics, and shall we Americans, do you think, be willing to sacrifice all that has been gained for us of liberty? The answer being self-evident, let us proceed. It seems that the little violator of law can be punished; the big violator cannot be, or, at any rate, is not punished. The trusts, most people know, are formed to destroy competition. Their reason for destroying competition, evidently, is to swell profits by charging all that the trade will bear. The trust, finally, is not a method of doing business, but a scheme for levying tribute.

You are no doubt now planning your summer vacation before you make any new plans however consider the opportunity that we are offering you to see a new and marvelously beautiful world for little more very likely than the cost of an ordinary vacation at the summer hotel to which you usually go.

The idea of summer travel in the Tropics it may be is new to you comparatively few people unfortunately have yet awakened to its possibilities they do not realize at least not fully that the climate in Jamaica Panama and the Central and South American countries is practically the same throughout the year moreover the transportation rates are much lower than they are in the North and the incidental expenses of travel such as carriage fare and the cost of curios are considerably less rough weather too is almost unknown in the summer.

Possibly as you live on the shores of Lake Michigan you have been considering a week's cruise of the great lakes at an expense certainly of $40 or more and along coasts that you have seen doubtless many times before we offer a number of trips varying in length from twelve to twenty-four days and in cost from $50 to $130 to Jamaica Panama and Central and South America thus for ten dollars more you may sail twice as long pass shores much more beautiful visit cities far more strange and return with a new almost magical store of memories.

You are wondering perhaps how it is that we can offer these remarkably low rates the reason briefly told is that our ships carry an exceptionally large amount of freight however do not think merely because our ships carry freight that they are not splendidly equipped for passenger travel on the other hand they are so luxuriously furnished that they are especially fitted for tropical cruises you are missing an unusual opportunity we assure you if you do not more fully investigate our offer.

We are learning year by year that as a rule financial independence cannot be secured by most men except by saving the savings bank is of course the first place to invest savings because it will receive small sums and pay an interest on them when a man's savings however have reached $1000 for example what shall he do with his money he has not the time or the knowledge probably to watch his investments he wishes therefore to put his money where it will be safe where it will earn a fair rate of interest and if possible where he can on short notice convert it into cash.

A man is an investor usually at least by virtue of his savings a woman on the other hand invests because she has received a legacy this may take the form of course of property securities cash or life insurance it is the function of sound investment most people know to surround funds of this nature with strong security the selection of conservative investments it is evident must be made with care those companies naturally that deal in conservative securities are the ones a prospective investor should consult.

Not long ago the editor of a financial journal received a letter of inquiry from a woman she had she said only two thousand dollars if she invested it as some of her friends had advised her to do in a well-known security she could not live on the proceeds she had consequently made a connection with a brokerage house and was making a living by buying and selling speculative stocks her list by the way showed a profit of $500 in four months what she wanted to know of course was how she could make the gain a second time in effect she was told to take her profits and run as fast as she could she will not in all probability take the advice and in a few months possibly weeks she will write again for help in rescuing her last few hundred dollars she will have learned at last that the way to keep her money is to save it but she will not by that time in all likelihood have any money to save.

1. The Commonwealth Edison Company, which controls the electric light and power supply of Chicago, was organized in 1907 by the consolidation of the Chicago Edison Company and the Commonwealth Electric Company.

2. The concern that controls the electric light and power supply of Chicago is the Commonwealth Edison Company.

It is estimated that Chicago annually uses 93,450,000 gallons of milk, for which it pays over $28,000,000. To supply this amount 120,000 cows are needed, which are owned by 12,000 dairy farms. Health officers conduct a systematic dairy farm inspection, which has for its purpose the exclusion of diseased milk. Farm owners, who formerly objected to the inspection, now see that cleanliness is profitable. Authorities have discovered that milk, which easily absorbs germs, is dangerous except when produced under sanitary conditions, and now dairies are allowed to sell only clean, pure milk, which is milk given by a healthy cow.

1. The man wearing the brown coat is my brother.

2. My brother bought a new coat which is brown.

3. The lesson that I take at nine o'clock is English.

4. In English which I take at nine o'clock we are studying punctuation.

5. I am going to work in every city that I visit.

6. I am going to work in any city where I can find employment.

7. I am going to work in Denver where my uncle lives.

8. The house on the hill is the oldest in town.

9. The house that is the oldest in town is used as a museum.

10. The Franklin Museum which occupies the oldest house in town is a very interesting place.

11. The town museum is the place that I like to visit.

12. The chimney that was blown down last night in the storm should have been mended long ago.

13. The old ruined tower which has long been a picturesque sight in the village was blown down last night.

14. We counted ten chimneys that were blown down last night.

15. The stenography system that I studied is Munson's.

16. I think she uses Munson's which she considers a good system of stenography.

17. Last year I pursued a course in stenography which I enjoyed very much.

18. The book that we use in class has a brown cover.

19. The only milk that is fit to drink comes from a clean dairy.

20. Systematic inspection has been carried on which has resulted in securing better milk.

1. We have an enormous crop of cotton the value of which is estimated at one billion dollars.

2. "The root of the mail order evil is the idea which the retail mail order houses have been able somehow to instill into the minds of the buying public that the local merchants ask too much for their goods."

3. Mr. Hilton who was sales manager at that time induced the company to adopt this system.

4. The lecture will be delivered by Mr. Brenton who is the head of the advertising department of Whitlock & Co.

5. Our dog whose fur was wet by his plunge into the lake came running toward us.

6. Genevieve who had always been the leader in the games was not present.

7. A late product of the brain of George Westinghouse who was the inventor of the air brake and numerous electrical devices is an air spring for automobiles. This little article has been patented by Mr. Westinghouse who has the sole ownership. The spring which has already proved popular with automobile owners fits over the end of the regular spring and "makes good roads out of bad ones."

8. Careful selection of investments upon which the safety of your money depends is often difficult. Careful watching of investments which is fully as essential is much harder. Let us tell you about our Investment Service which does this watching for you and keeps you fully protected.

9. As a direct result of the conference between the railroad and steamship interests of the South-Atlantic and Gulf cotton ports which was held recently at Hot Springs Va. an organization which will be known as the South Atlantic and Steamship Cotton Inspection Bureau has been created. The bureau will have a chief inspector who will supervise the conduct of its business at all ports and will arrange for the employment of the inspectors. According to the rules and regulations copies of which have been received by the cotton agencies and the export departments of the various New Orleans firms any bale that shows external damage from water mud bad bagging or other causes must be condemned and its condition noted and reported.

10. How would you like to wear a hat that has been handed down through six generations in each of which it was a treasured possession? The Italian peasants who love finery are proud to do that very thing. Very few of the poorer people who live in Italy own a hat. When you see a beautifully woven Leghorn hat which is also very dirty on the head of a little peasant child you may be pretty sure that she is celebrating her birthday by wearing the family heirloom. These hats which are sometimes willed to a favorite relative and which in some instances go the round of the family are considered almost priceless. It is a frequent sight along the dusty roads outside the little towns to see untidy old women who are sauntering along twisting twine as they go all vanity under the flopping brim of an antiquated hat. This is almost the only souvenir that tourists' money cannot buy.—The Chicago Tribune.

A signature clerk will easily recognize any alteration in a signature, although thousands of checks pass through his hands daily.

He gave a statement of the affairs of the company, explaining that he wished to make a loan.

1. Popular-priced goods are the safest for a retail stock however you consider the subject.

2. A sheriff seldom finds large quantities of popular-priced goods on hand when he comes to take possession of any retail store although he usually finds expensive articles.

3. They bring higher prices relatively than the heavier things even when they are disposed of under forced sale.

4. The catalogue houses have little fear for five-and-ten-cent stores because sixty-eight per cent of their business is in big goods such as furniture vehicles sewing-machines clothing and relatively expensive things. They do not wish to increase the sale of popular-priced articles although their catalogue may be full of them because it costs them more to pack one hammer or trowel than the profits can stand.

5. Steel conditions remain about as they have been for several weeks excepting that the price of rails has been advancing for the last few days.

6. Steel men are of the opinion that to increase prices too rapidly would spoil a good market because most of the mills are so filled up with orders that they would not be able to take advantage of increased quotations for some time to come.

7. The steel business for the last three months has been very encouraging as it shows that railroads are dropping their policy of waiting until the last minute to buy. It will probably mean more normal operation of mills instead of spasmodic workings as has been the case for the last few years.

8. Boraxated soap chips will benefit your tableware and your hands making dishwashing a pleasure instead of a task.

9. The man who works to the limit of his physical powers is as foolish as the manufacturer who immediately invests all his profits in his business neglecting to have a reserve fund for unexpected demands.

10. A wide-awake manager tries plan after plan testing and re-testing them until he can apply them to his company's needs.

We wish to acknowledge your letter of recent date assuring you that we thank you for the opportunity you have given us of opening a monthly charge account in your name. We shall spare no effort to make every transaction as satisfactory as possible hoping thus to merit a liberal share of your patronage.

Our bills are rendered on the first of each month being payable between that date and the fifteenth.

In reply to your inquiry I am sending the following information assuring you that I am glad to be of service to you.

The Lancaster Company has apparently abandoned its plan of erecting a new building this year difficulties having arisen it is said in their securing a suitable location. About two years ago the firm purchased a site on the corner of Harrison and Second streets but they sold it again last year taking advantage of a decided rise in real estate values. It is understood we believe that the company will build in the near future even now having two or three possible sites under consideration.

We offer you the benefits and privileges of our Special Charge Account whereby purchases may be paid for in weekly or monthly installments. You will find this a most convenient arrangement because it permits you to have a charge account without the usual hardship of payment at a fixed time. Moreover a Special Charge Account costs you nothing since our prices are the same whether you pay cash or have purchases charged. Please fill out the enclosed application blank mailing it to us to-day.

You will no doubt enjoy reading the enclosed booklet as it gives much interesting information on fashion tendencies. The illustrations too are unusually attractive although they hardly do justice to the beautiful garments that we sell.

"Strange as it now seems," said one of Carnegie's "young men," now the vice-president of a large and prosperous corporation in New York, "in the early days of the steel industry we had the greatest difficulty in the world in weaning the old manufacturers away from the use of wrought iron, though they admitted the superiority of steel. They would look at it, test it, and agree that it seemed to possess all the desirable qualities claimed for it, but it was more or less untried by time, and they preferred to stick to the old wrought iron, with which they were familiar.

"I remember one old chap with whom I had wrestled long, but in vain, coming into my office and picking up a long, soft steel rivet, which had been bent double and hammered flat.

"'How many did you break in making this?' he asked, picking it up and examining it curiously.

"'That's the first one we hammered over, and, what is more to the point, we can do it with all steel of that type,' I replied.

"The polite incredulity in his face stirred my professional pride, and I said, 'If I let you go to the mills, pick out a dozen of those rivets just as they come from the rolls, and hammer them with your own hands, will you use that steel hereafter, if it comes up to the test?'

"He said he would, and the rest was easy, for it is much easier not to break than to break that kind of steel. Before long the old man came back with perspiration dripping from the end of his nose but with the light of conviction shining in his eye. The firm had a new customer."

Leslie M. Shaw, former Secretary of the Treasury, was in New York, attending a meeting of a board of which he is a member. Something was said about the present-day discussion of money power, and Shaw said that it reminded him of a speech he had made in Seattle in the campaign of 1896.

"I was speaking to a filled hall and had almost finished," said Shaw, "when a long-whiskered man arose about the middle of the hall and held up his hand, saying he wanted to ask a question.

"'Go ahead,' I said.

"'How, then, Mr. Speaker, do you explain the unequal distribution of wealth?' was his question.

"When I answered him with, 'In the same way that I explain the unequal distribution of whiskers,' bedlam broke loose.

"As soon as I could get quiet restored, I said: 'Now don't think I returned the answer I did to make fun of your whiskers. You will observe that I have no whiskers, as I dissipate them by shaving them off. Nature gives me abundance of whiskers, and, if I conserved them as you do, I also should be abundantly supplied. Now, it is the same way with money. The man who conserves his money has more than his share, as with whiskers; while the man who dissipates his money is without his allotment.'"

You know how prolific the American mind has been in invention; how much civilization has been advanced by the steamboat, the cotton-gin, the sewing-machine, the reaping-machine, the typewriter, the electric light, the telephone, the phonograph.

No man can deny that the lines of endeavor have more and more narrowed and stiffened; no one who knows anything about the development of industry in this country can fail to have observed that the larger kinds of credit are more and more difficult to obtain, unless you obtain them upon the terms of uniting your efforts with those who already control the industries of the country; and nobody can fail to observe that any man who tries to set himself up in competition with any process of manufacture which has been taken under the control of large combinations of capital will presently find himself either squeezed out or obliged to sell and allow himself to be absorbed.—Woodrow Wilson: The New Freedom.

If the total amount of savings deposited in the savings banks were equally divided among the population of the country, the amount apportioned to each person in 1820 would have been twelve cents; in 1830, fifty-four cents; in 1840, eighty-two cents; in 1850, $1.87; in 1860, $4.75; in 1870, $14.26; in 1880, $16.33; in 1890, $24.75; in 1900, $31.78; in 1910, $45.05, and it is steadily increasing. Remember the fact that the population had increased from 10,000,000 in 1820 to over 90,000,000 in 1910; the "rainy day" money, therefore, assumes gigantic proportions.

In Germany, says The Scientific American, wood is too expensive to be burned, and it is made into artificial silk worth two dollars a pound and bristles worth four dollars a pound; into paper, yarn, twine, carpet, canvas, and cloth. Parquet flooring is made from sawdust; the materials may be bought by the pound and then mixed, so that the householder can lay his own hardwood floors according to his individual taste and ingenuity.

The country gentlemen and country clergymen had fully expected that the policy of these ministers would be directly opposed to that which had been almost constantly followed by William; that the landed interest would be favored at the expense of trade; that no addition would be made to the funded debt; that the privileges conceded to Dissenters by the late king would be curtailed, if not withdrawn; that the war with France, if there must be such a war, would, on our part, be almost entirely naval; and that the government would avoid close connections with foreign powers and, above all, with Holland.—Macaulay.

1. Three things are necessary: intelligence, perseverance, and tact.

2. The buffalo supplies them with almost all the necessities of life: with habitation, food, and clothing; with strings for their bows; with thread, cordage, and trail-ropes for their horses; with coverings for their saddles; and with the means of purchasing all that they desire from traders.

3. Quoting from the current number of the —— Magazine, he read: (four paragraphs).

1. For the first fifty miles we had companions with us Troche a little trapper and Rouville a nondescript in the employ of the fur company.

2. About a week previous four men had arrived from beyond the mountains Sublette Reddick and two others.

3. Reynal was gazing intently he began to speak at last "Many a time when I was with the Indians I have been hunting gold all through the Black Hills there's a plenty of it here you may be certain of that I have dreamed about it fifty times" etc.

4. Objects familiar from childhood surrounded me crags and rocks a black and sullen brook that gurgled with a hollow voice among the crevices a wood of mossy distorted trees.

Name the adverbs in the following: He left hurriedly rather early in the morning.

1. The Christmas presents that he wants are the following a toy train a toy automobile a toy circus and a printing press.

2. Do the exercise thus first lunge to the left second raise the arms forward and third wind the wand.

3. We are offering for sale three residences of the size that you wish namely 438 Bishop Ave 1614 Winchester St and 2015 Logan Square.

4. The following are the two that we liked best 438 Bishop Ave and 2015 Logan Square.

5. One use of the comma is to set off an appositive for example Mr Kearne the buyer has left the city.

6. The comma is used to set off an independent adverb as We have not yet decided however when we shall leave.

7. The plan is this I'll do the work and you pay for the materials.

8. The officers are as follows Edward Lawrence for President John Kelly for Secretary and Fred Morrison for Treasurer.

In New York the Harlem River tunnel was comparatively a simple one, but the first East River tunnels—the two subway tubes from the Battery to Brooklyn—presented all the difficulties known to subaqueous construction.

These tunnels extend on under the great Pennsylvania terminal building—another of the same decade's accomplishments—to East Thirty-fourth Street.

1. When the millennium comes—if it ever does—all of our problems will be solved.

2. "I believe—" began the lawyer.

"Believe!" interrupted his client. "I don't want you to believe. I want you to know."

He had robbed himself of the most precious thing a man can have in business—his friends.

One thing the Puritans desired,—freedom to worship God.

The United States Department of Agriculture estimates that the receipts of cattle at the six leading markets (Chicago, St. Louis, Kansas City, South Omaha, St. Joseph, and Sioux City) from January 1 to August 1 of this year are 15 per cent less than they were in the corresponding period of last year.

a one-hundred-pound bag of coffee

follow-up, first-class, self-reliant, railroad, steamship

talking-machine, driving-wheel

one-third, three-fifths

twenty-one, sixty-six

We are glad to tell you that contrary to the fears expressed in your last letter there are no present indications of sudden changes at least no indications of drops in prices. With the exception of two fruits and one vegetable grapes cantaloupes and cauliflower all commodities sold on the wholesale fruit and produce markets here were quoted yesterday at the prices announced last Friday.

The change in grape prices affected the Red Peru variety in which the supply has almost stopped the price being raised from $1.05 to $1.25 a box. If one may trust the forecast of local merchants the price will probably remain at this higher point until the supply is exhausted. Cantaloupes seem to be a trifle scarce especially the pineapple variety the price of which was raised from $1.10 to $1.30 a crate. Cauliflower was raised to $1.35 a dozen heads the staple price probably for the rest of the season.

Excepting these items we shall be glad to receive any orders at Friday's quotations.

Your order of the 20th instant forwarded from our Trenton office came this morning. We regret to say however that we do not carry the Sanito brand of canned goods as we do not consider the grade first-class. If the Monsoon brand which is generally acknowledged to be excellent will serve your purpose we can fill your order at once.

We are now in a position to supply the trade with Mrs. Keller's coffee of which we have fortunately secured several thousand packages at a very low price. If you wish any at $2.50 per dozen packages less than half the retail price you will notice let us hear from you at once.

We acknowledge your letter of October 5 but we regret that as yet we have no information in regard to the excess charge of $1.02 which you were obliged to pay on the express shipment of one piece 27 yds. of plaid silk chiffon. We have taken up the matter with the mill however and as soon as we receive their report we shall write you again.

Asking your indulgence meanwhile we are