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] THE SAN FRANCISCO CALL, SATURDAY, DECEMBER 24, 1904 e P i R e THE SANFRANCISCO CALL JOHN D. SPRECKELS.......cc00s sssssssssssssssscssasssss Proprictor ADDRESS ALL COMMUNICATIONS TO JOHN MONAUGHT.....ccoceeessasssssssssssscetccesrosenneccn Manager »(‘nfiu}mm SATURDAY.......c0000eseeeresmmmmesevacesses-t+-DECEMBER 34, 1904 T UNGUARDED BUSINESS MEN. HE spectacle of the president of the bank of Oberlin, Ohio, al had its pitiful features. He is an old man and had achieved an :ble business career, and hosts of friends made him the keeper | r money. The temptress came, and he saw a chance to increase s profits, in what seemed to him a perfectly legitimate way, squar- th the approved rules of business and of sound banking. I He loaned the woman money and it was repaid. When she 1e to him with notes aggregating more than a million, signed by w Carnegie, notes for value received and bearing 5 per cent and asked that he indorse them, he yielded, and involved and his bank far beyond the capital and credit of both. Yet saction was one common in business. Good paper indorsed t way is discounted every day in a majority of the banks of ry and passes as commercial paper. He intended no wrong, tive of a crime was entirely lacking in his act. His incaution »<es 2 method by which greater than he may be undone; yet it scloses no moral turpitude in this man who is its victim. Say he was a fool if you please. Yet he was duped in a trans-| hat occurs commonly in the business of the country. A cus-| er with whom he had done profitable business, who had met aturity, asked of him an ordinary thing in business, it, and his trusting friends were robbed and he is Do any men who read this wince as they read? Do they 1siness acts as reckless and foolish as his, of which the knows nothing because the harm was not beyond their power | s probably singular only because of the mag- He is pitiful and to be pitied, but he failed as He will be punished and the woman will prob- § | free. re is m o E x i S hat sh | ¢ is more than one Andrew Carnegie. Suppose that she | Andrew Carnegie who signed the notes which seem to| | been the basis of her scheme, by what law can she be held ac- | ble if her dupes chose to deceive themselves by assuming that | regie, the multi-millionaire ? ve asked why a man of Carnegie’s resources was paying | Use of the telegraph would in an hour have advised himl he signature was that of the millionaire. But here was a -ustomer who expressed herself in millions, who had bor- | largely and promptly repaid, and it was “business” not to word. Again, he should have asked himself and her| \ indorsement of the Oberlin bank was necessary to give ency to the commercial paper of the millionaire? But he did He indorsed the notes, stamped them with his credit, and in the maker of the paper. | t 1er In all the long history of Bamboozledom there is no chapter ke this. It outpoints the case of the Humberts in France and far lasses the coarse device of a locked up Chinese smuggling fund t was played in this city to the undoing of a few dupes. . Those t structures of fraud were jerry-built compared to this. If an Carnegie chose to make his notes and the banker ‘chose to rse them, under the impression that there is only one Andrew ie. what can be done about it? story of this transaction should be posted up in every count- in the country to teach unguarded bankers and business is better to lose a customer than to lose a fortune, fame | One rule for all securities should validate all, though omer fume when his collateral or his paper for indorsement liscount is put to the test of genuineness. Much, humor is vritten about the sweat room of a bank. If it be a chamber of tor- to the borrower, it is the ark of the covenant for the depositors. We have much fiction written around the follies of financiers. | h wrecked banks and every wreck is a tragedy. But fiction | did the reality of the Chadwick case. F eedo THE SUNDAY CAvLL MAGAZINE. Sunday Call Magazine to-morrow “Double Harness,” the se- | rial by Anthony Hope, which has been appearing for the past six | | weeks, will be concluded. On January 1 will begin “The Breth- | ren,” a story of the Crusades, by H. Rider Haggard. This is the 1z t romance by a writer who is world famous, and marks a new | in Mr. Haggard’s method. “The Brethren” is a historical | 1e modern type, and while it contains little or none of the | y e = he wi ginative and sensational which marked many | rks, the writer has lost nome of his won-| nciting and sustaining the reader’s deepest interest. | ible books to appear shortly in from two to four install- | Monsieur Beaucaire,” Booth Tarkington’s deligntful | “A Whirl Asunder,” by Gertrude Atherton, and “The | " the story of Lord Byron, by Hallie Erminie Rives. | ong other features of note to-morrow will be one of Norman | stories of the fisher folk of the Newfoundland Banks, “The Raging of the Sea,” a simple, straightforward, powerful recital | of 2 tragedy in the life of Job Luff. In the “Jottings of Old Lim ! " Opie Read deals pithily and succinctly with the problem ! riage. In “On and Off the Bread Wagon” Charles Dryden | his hero in Galveston the sole proprietor and owner of $6, car- | m through a short siege with a street-car gang of laborers,‘ nds him up at the end of the chapter with thirty cents of rail- tickets as his available capital. The $50 prize story for the | week is “Red Head,” a tale of the Arizona cattle country, written by | E. Damian Thompson, a woman who has lived among the cowboys and ridden many a hard day after cattle. 4 There is a half-page reproduction of photographs of all of the present United States Senators, with names and States given. Madge | Moore writes on “The Joys of Sacrifice”; Robert W. Ritchie reviews | the literature of the week, devoting especial attention to Ida M. Tar- | bell’s well-known work on “The History of Standard Oil”; there are short stories by Frank H. Sweet, F. E. Hawson and C. B. Lewis; the regular puzzle page, and a full-page reproduction of a photo- graph. “A Drill at the Presidio,” taken during the recent athletic tournament held at the post. Tnfiirers guilty of ballot stuffing in the national election and sen- tenced them to terms of imprisonment. This last consignment of fraudulent election booth custodians to receive punishment at | the hands of the law brings the total of malefactors condemned for this particular offense up to twenty-three, a satisfying evidence of | the determination of Colorado’s court to keep the ballot in the moun- | tain State a clean one. ; i The especially flagrant violations of the law in the Colorado clection make this quick rounding up of the ®tuffers all the more salutary in its significance. Testimony has developed the fact that in many of Denver’s precincts as high as 300 fraudulent votes were tallied as the result of the stuffing; in every instance some local | politician or pothouse wardster was at the bottom of the plot, his | tools being the'typical “repeater” and the convenient forger. When | the first of these ring politicians was brought to bar for his crime | he displayed a superior contempt for the whole proceedings and was rewarded by the limit of punishment being assigned him by the pre- siding magistrate. 3 The vigorous measures which have been taken in Colorado to quelch this form of domineering political corruption must have a restraining effect witness to the proverb that all the people can’t be hoodwinked all of the time, and what is true in Colorado is true in other places. Flagrant crime against the suffrage cannot pass unhindered in any community for long. : wer of n's vir TOac THE COLORADO STUFFERS. | HE Supreme Court of Colorado has found four more election A prisoner, in tears, confessing himself a dupe of Mrs. Chadwick,i | involved, for there are more unguarded busi- | | Of course the bank president | | terest on notes apparently uttered for money that he had | | ballot stuffers elsewhere, for they but bear W BEAUTY WHO | ~ o=y ) AL THE SECOND JERSEY LIL o KNOWN AS o MISS ROOSEVELTS STATUS. Probably Mr. Roosevelt's election will bring about somewhat more of state gayety for the ladies of his fam- ily. . During his brief tenure of Presi- dential office since the fmurder of his chlef and predecessor, Mr. Roosevelt has been reluctant to allow his daugh- ter any part in the life of courts, wisely reminding her of what she was | quite willing to remember—that after . three short years the quasi-princess of SN2 America might have to retire into the \llte of a citizen's daughter and that it | | was well not to make the retirement a " | | veritable fall by too much exaltation. Thus Miss Roosevelt declined an in- | vitation té a brilliant mid-European court soon after her father’s accession. Now he may perhaps relax this Ro- | man kind of rule; Miss Roosevelt may incline to marry while still a Princess Presidential.—London Chronicle. MRS, CHAD WICK. It appears to be Mrs. Chadwick's idea that it is up to her creditors to walk the floor.—Chicago News. | Where Mrs. Chadwick made’a mis- |take was in not opening a bank of | her own. She seems to have been ex- | ceptionally gifted in the art of solicit- | ing deposits.—Philadelphia Inquirer. | If Mrs. Chadwick had tried her con- fidence game on Hetty Green there | money would have passed.—Birming- | ham (Ala.) Age-Herald. It is now claimed that Mrs. Chad- wick’s difficulties have been caused by a jealous rival who desires to keep | her out of society. There is scarcely |any form of mania that does not as- | sert itself in frenzied finance.—Wash- ington Star. Evidently the Cleveland lady whose specialty is hynotizing bank cashiers could write a bok on frenzied finance that would make Tom Lawson’s read like one of the “Elsie” books.—Denver | Republican. | | | i | | | When Mrs. Chadwick recovers she i should be open to a good engagement B = | jn Wall street. A woman who can get | MRS. WATERLOW OF JERSEY. | |$1,000,000 for nothing possesses gentus e . "‘l'llthat fits her peculiarly for a Wall- RS. WATERLOW is the wife of Captain Waterlow, D. S. 0. Her |Street engagement—Atlanta Journal. husband is & member of the firm of Waterlow Bros. & Layton. She > is one of the beauties of Berkshire society, a fine whip and punter. | THE WOMAN’S SIDE Mrs. Waterlow is a native of Jersey, and the London Tatler says the Jersey papers call her their second Jersey Lily. o+ It is not true that woman imitates man. Such Is Caesar’'s Fame. Miss Marie Manning, the author, tells this incident of her recent European trip. The novelist was seeing Rome for the first time, and in the course of her sightseeing was anxlous. to include a|“I do not know. Caesar has been dead visit to the tomb of Caesar. Meeting a |so long!"” + citizen on the street she inquired, in her best Ttalian, the location of the tomb. The man looked greatly embarrassed. “I am desolated, signorina,” he apol- ogized, speaking in excellent English. For instance, woman still hangs the telephone receiver wrong end up nine times out of ten. And women insist upon facing to the rear when stepping from a car.— Pittsburg Press. Even a postage stamp is no good if it gets stuck on itself. < + A PARADOX. Finnegan (at the meeting of the Hodcarriers’ Union) — Shure, an’ phwat's this item of twinty-two dol- lars for? Treasurer—Carfare for the walking delegate. EARLY MORNING MERRIMENT 4 cal TOO SUGGESTIVE. NOTHING DOING. The father—If you pass your col- lege examinations I'll pay your debts. The son—Not to me. I refuse to work for my creditors. Daisy—Miss Oldgirl manhater. Maisy—How do you know? is a fearful even use a hymn book. | would have been a warm time, but no | THE SMART SET= BY SALLY SHARP. | Miss Eleanor Phelps, daughter of Ad- | contingent was -?\nller than usual, h miral Phelps, and Miss Cornelia | reason of the Greenway cotillon | | town, those in attendance experiemce Kempff, daughter of Rear Admiral e nilanthal evening. Seversl o Kempft, will be the guests of Mrs. Ba- |\, ' miorg entertained at supper afte con in Santa Barbara during January. | ..o aance and the assembly was con- Daisy—Why, at church she won't|The United States naval ordnance ta- | HER CHRISTMA HOM do you think I saw to-day, Susan Strong?” sald Ned with his winning smile as he walked into - the room of his invalid sister at the end of his day's work. “Eleanor Carrington,” repiied Susan promptly. Surprise overspread his countenance. “That’s exactly who it was, but how in time did you guess?” “A sort of second sight we inyalids have, dear boy,” answered his sister. “The moment you appeared around that curtain, a sensation swept over me which I always used to have when I saw her standing across the aisle in church, with her unapproachable bear- ing and her calm, madonna-like face, I fairly worshiped her, Ned. Where did you see her?” “At the Grand Central depot. She was helping a crippled boy out of a cab, when his crutch fell under the wheels. Maybe I wasn’t Mr. Johnn; on-the-Spot! My, but she is a queen! More than this he never said of any girl, for it was Susan's greatest cross, that her stalwart brother, the apple of her eye, had been obligea to give up his young life, social and athletic, to bear the financial burden of her {ll- ness. Ned Strong had held the record for hammer-throwing at his university, and had been candidate for the next year's football team, when he had been forced to put it all behind him and turn his attention to sterner realities, in- cluding exorbitant bills presented by the specialists employed to relieve his sister. For two years she had suffered with an affection of the knee which even the most eminent surgeons had been unable to name. For some weeks now she had been fastened in a brace which gave comparative relief and permitted her to sit up in bed. And with the cessation from suffering came renewed eagerness to hear of the beautiful out- side world. > . “Eleanor doesn’t seem to be going in very strong for soclety,” _‘con- 13 beaming tinued, perching himself on the edge of | ing he was surprised at her animation. Susan’s couch. “When I was lunching | “You want Christmas work to do? with Billy Sanford yesterday, he sald | Now, see here, you're not worrying she had spent almost the entire summer | .y ¢ bills 2nd things?” going to and from New York with chil- ¥ dren whom she was having treated at | She shook her head. “T just want t-; the hospital for cripples on Forty-sec- ond street.” “Why, Ned, that's the hospital where Dr. Gibbs is head surgeon. He was telling me about those patient little children only yesterday when he was working on my knee.” “Sure enough. I telephoned him this morning and he says he has a new con- traption which he will try in a week or ‘8o, that will simply discount the brace you have on now.” “I shall ask him if he knows Eleanor."” “Don’t you worry. He isn’t the kind of man who would let such a beauty pass unnoticed — and unhcultivated— though I understand she’s spoken for. B‘flluy) says Senator Elkus is the favored suitor.” ““He’s too old for her.” This in a tone of disappointment. “That's the way of the world, Sue. The man that's got the money is the only one who need come ‘round. The rest of us poor devils can stand back —and adore silently. Think of the cripples she could have treated on the Senator's money!” He flung back his shoulders as if throwing off an ugly thought, then he bent tenderly over the invalid. “Oh, Sue, it is splendid 30 see you free from pain once more,"” and with a rousing kiss, emblem of all his devotion and self-sacrifice, he strode away to his solitary dinner. In one of her wakeful nightwatches, Susan lived back in the year which had preceded had and though Susan, lively, golden-haired little sister of a big strapping had never entirely entered into these interests, in the new light of under- ‘vouchsafed invalids as a com- she saw why Eleanor Carrington had sud- denly dropped out of her brother’s life. wmnr.mhu-uu‘ the next morn- the occasional The wedding of Miss Alice Bacon and Thomas Driscoll will take place early | in the new year, and Miss Kempff is to be maid of honor. FORE T Master Ralph Gwin Follis will en- tertain a large number of his compan- ions to-day at the home of his mother, Mrs. James H. Fellis, who has made | every preparation for the happiness of | the little folk. | e | Miss Frances, the little daughter of | Mr. and Mrs. John Sroufe Merrill, will | be a miniature hostess at a dainty holi- | day party for small folk next Wednes- day afternoon. These tiny beaux and belles will be served with every pleas- | ure dear to childhood. | . e e Miss Frances Jolliffe was the hostess | at an informal tea on Thursday, given in honor of Miss Mary Shaw, the clever actress. Miss Shaw has been widely | entertained during her stay in San Francisco, and recently was the hon- | ored guest at a dinner given by Jack | London. | i, General Woodruff will leave to-day for | Panama, where he will be absent for | six months. During this period Mrs. | ‘Woodruff will visit her daughter, Mrs. Cralg, at Fort Leavenworth. The Woodruff home will be occupied by | relatives. This is the season when little mu} may be heard as well as seen, and in! addition to the Follis and Merrill Juvo-f nile parties, a gladsome time is in prep- aration for the small boys and girls in Mrs. M. A. Seeley’s neighborhood. Each year, Mrs. Seeley arranges for a Christmas festival for, her little neighbors. There is to be an enormous tree, bounteous and beautiful, in which fifty or more children will share. Then all the accompaniments of Christmas tide will abound, and & truly merry | time, indeed, is this for the little guests. | & e | The fortnightly hop, given by the of- ficers and ladies of the Presidio, took place last evening, and, although the [ | | the comservatory of the Palace. | genial and happy. The first ball in the new year Is to be given by Miss Helen Chesebrough. - REET Sir Charles Tupper will be the hon ored guest at a large dinner given by | Jeremiah Lynch, this evening at the Bohemian Club. Mrs. Augustus Taylor was hostess at | a large dinner last evening. At its close the guests and hostess attended the Greenway cotillon. Shatter Howard, who 1s in New York | rehearsed his new musical comedy “His Majesty,” before a large gathe: ing of musical and soclety people last week. The comments were very favor able. S e Mr. and Mrs. Joseph Sadoc Tobir have taken apartments at the St. Fran cfs for the winter. . Mr. and Mrs. McGilvray entertained the Forest Club last Tuesday evonm;;v\ event was in the nature of a farewell to Mr. end Mrs. Lawson, who are leav- ing for New York. Covers wera laid for twenty, and the decorations were in red and green. The guests were: Mr. and Mrs. G. C. Lawson, Mr. and Mrs. | 3. McLarep, Mr. and Mrs. J. C. Fyfe, Mr. and Mrs, J. Reld, Mr and Mrs. A Wilkle, Mr. and Mrs. A. McNair, Wil- lam Rennie, R. Park, G. Brenner, Mr. Eaton, Mr. Christensen. ® 20 Mrs. Frank M. Gray, who is spending the winter in California, is the guest of her sister, Mrs. G. C. Bainhart, in this city. Mrs. Gray will be the recipient of r.uch entertainment during her stay which will continue until February. e Wi Mr. and Mrs. W. M. Klinger an- nounce the barmitzvah of their son, Myron, at the Geary-street Temple on Saturday, Decethber 31. In the aft- ernoon a reception will be held at the home of Mr. and Mrs. Klinger, 504 Steiner street, from 2 to & ANSWERS TO QUERIES. EXPOSED CARD—Player, City. In the game of casino if, in cutting to the dealer, or in reuniting the separated packets, a card be exposed, or If there is any confusion of the cards, there must be a fresh cut. OFFICERS’ PAY—A. G. A., City. The pay to active officers in the United States army is as per the following table of salaries: run from three to thirteen inches. The largest weigh 60.5 tons, and require 230 pounds of smokeless powder to fire the projectile, which weighs 1100 pounds. MUSHROOMS—J. E. H., City. The following works treat exclusively of the cuitivation of edible mushrooms “Robinson on Mushroom Culture,” “The Culture of Mushrooms,” by C. H Peers “Traite sur les Champignons Comestibles.” —_———— Glenn County Prosperity. Evidence of the new life instilled into Northern California 1s shown in the beautiful Christmas edition of the Glenn Transeript, published la Wil- lows, Glenn County. The paper Is a credit to its publishers. Its halftones £:ve an idea of the spleadia future which is the heritage of Glena Coup- t7. They portray the great Centrnl! irngating canal, just about completed, suhstantial homes, cereals and Ins- cious citrus fruits in great varfety and present many other testimonials of general and permanent prosperity. The edition makes it apparent that Wiliows and her neighboring towns have awakened to their possibilities ard to the fact that having been en- dowed so lavishly they deem it not urtecoming to exhibit some of their jewels to those less fortunate. —————— Time to send Townsend's Glac by Express for Christmas. e g ————— Townsend's Californta Glace fruits in artistic fire-etched boxes. 715 Market st and Wakelee's Drug Store. - =E QORI £ Q EEJ-S%;’: 2 £ ESrpESS H T |2522F¢ 2 ] 355525 2 @ ? |858828: P - = |223572 g < M EEEREES gl » gl557°23 £132.8 Fla - £ s o | e 2 = b £ z : 35 |2 2 333 | g L 1§ & F<2 g g 332 H 228018 | = sizly £ —21%(2% H Er i B N i3 |3 P s § ] 2 Te>| |2 B 32 E itz |® 3 3% NAVAL ORDNANCE—M. H., City. ble shows that the guns in the navy —_———— Special information supplied daily to business houses and public men by th Press Clipping Bureau (Allen's), 30’\"31: fornia street. Telephone Main 1042. * S ANGEL'"OR HIS | SALLY CH that is if you don’t sit up too long at a time. T'll speak to Miss Carrington, who is chairman of our Christmas com- mittee.” And he did not dream why the sud- den, glad light came into Susan Strong’s eyes. Two days later Eleanor Carrington’s carriage stopped before the humble Strong cottage. She brought Into the sick room a new and invigorating at- mosphere. “My dear girl, I have never heard of your {llness. We have lived almost constantly In the country of late—and I seldom see your brother. Why didn’t you let me know? I should have been 8o glad to come. And now you send for me that you may help me in my ;fi:-'k_. You make me feel so—so sel- Her rich furs dropped from her shoulders, and the tall statuesque young woman fell to her knees beside the little invalid with her delicate, pathetic face, big, wistful eyes and short, curling hair. “‘Oh, you mustn’t feel that way,” said the girl, as she stroked the fur with her wasted hand. “Ned has taken such good care of me, and I—well, I just need something to occupy my mind. Did you bring the dolls?"* “Dolls? Dozens of them!" said Miss Carrington, with a happy catch in her voice. “But you must let me cut out '.h‘e' (Clothes. It is enough for you to po 87 This was the beginning of happy days for Susan Strong. Hardly an after- noon passed without a call from Elea- nor, who wanted to see how the social all, she learned the beauti- girl's engagement to Senator Elkus ‘were without foundation. - BY AMBERLAIN finished and then we'll have a dress parade. Maybe when he sees the work has not hurt me, he—he will let me do something to help him—pay the bills.” Eleanor Carrington looked past the invalid through the window, into the clear winter sunlight as it seeing a far- away picture. “I do not think there is any danger of my seeing your brother.” it she was wrong. She saw him the very next day when he came home earlier than usual. She had brought some holly to deck Susan's room, for Christmas- was drawing near. And she had brought a beautifully embroidered dressing sacque for the invalid also. Busan was tying the bow at the throat of her dainty gift and surveying her- gelf in a small mirror. Eleanor was hanging a holly wreath above the dressing table, when she swung 'round suddenly, the gay wreath rolling to the floor. In the mirror she had caught sight of Ned Strong’s amazed face. He was standing In the doorway. “Oh, Ned, why did you come too soon?” cried Susan in mock dismay. In Mrv.nty her heart svas singing with very “Eleanor,” sald the man without moving from the doorway. She stooped to pick up the wreath, and when she stood up once more her color had come back and her compo- sure was perfect. “We were just fixing a little sur- prise for you,” she sald, offering her hand and m his glance squarely. ‘But ! don’t think you deserve it. You haven’t played fair, Ned.” His glance 82y | wavered from her face to the invalid's couch. Susan was bending over, tying a refractory bow in a doll's hat. glel- nor went on quietly. "Yo‘ might at least have told me “I couldn’t.” His voice was low. “I did not dare ask you ton'l:r", She drew her breath sharply. “And yet you must have known." A minute Jater Ned Strong bent over lltter’l‘co:;:.. The refractory bow come to . She looked up into his face with shining eyes. . “Susan dear, you're our Christmas ed, 1904, by Sally