The evening world. Newspaper, November 21, 1907, Page 16

@utishea Dally Except Bunday by the Prose Publishing Company, Nos. 53 to © ae Park Row, New York, > POBETA PULITEER, Prva, 1 Reet TM Perret, 3. AXGUS fi VY, Reon Tront., £01 Wort I1fth Strevt. Entered at the Post-Omice at New York as Second-Class Ma!l Matter, * Bubscription: Rates to the Canada. (Evening World tor the ig United Beaten. One year. ‘One reonth. One year... ———— BANKS. , NCORRPORATED pe are of four kinds—-savings pbanks, . na- | banks, State® banks and | ompanies. : | srially described, ‘a. savings is a bank with’ a: strong fence built around it by Jaw, and. vith, every gal protection for its stability-and safe management ' A national bank:is under the seni) _<guatdiansiip of Uncle Sam.” A State bank is likéwise safeguarded is * “by the State Banking Depart- ‘mént. In both cases the safety and management depend greatly upon the efficiency of the official supervision. With trust companies th ~-have-been left wide openfor the-doing of almost any kind of busi: with less restrictions than savings, national or State banks in every re- Spect except the requirement of keeping faithful books of account. Savings hanks, State banks and trust companies are incorporated by the State of New York, and are subject to the supervision of the State Banking Department, Attorney-General and courts, National banks are ‘incorporated under the National Banking law passed by Congress, and are, Swbject to national supervision only. : _A savings bank has for-its sole purpose the custody of savings in! small amounts, their safé investment, and the payment of interest thereon! to the depositors. All savings banks are mutual in character. There is No stock. Thé trustees serve without salary. The investments are re- stricted to real estate mortgages, United States, State and local bonds, and bonds of a limited number of. _ Tailroads whose stock has paid dends for a series of years. Savings bank deposits are pay- able on demand only at the option Of thé tank; aint to checking “bust ness is done. National, banks are forbidden to Joan upoii real te. They may Joan on stocks or bonds and indi- vidual notes, or any other personal property, grain, fruit, pig-iron, cotton cloth—anything except real estate. z National banks may issue bank notes for use as money on deposit- tng with the United States Treasury security in the shape of United States bonds. They are the only banks which do issue money. For- merly State banks issued money, but when the National Banking law was passed a prohibitory tax of 10 per cent. was laid upon money issued by State banks, . National banks alsp receive United States deposits on the security . { of national, State or local bonds, on which deposits the banks pay no Interest to the United States. These deposits ‘are payable on demand. For their payment, as well as for the payment of any other deposits, the national banks are required to keep on hand a 25 per cent. reserve | in gold, silver and greenbacks, | . State banks are incorporated un- | der the State Banking law, which 5 is substantially similar to the Na-| al tional Banking law except that’ - State banks do not Issue money or receive United States deposits, State ‘and city deposits: are made in either State or national banks. | ‘ Neither a State nor a national bank may make any loan to any-one | tional trust “ft loan to its directors or officers except in Itmited : ints and after the approval of the Board of Direc- toms, It may not’ certify checks unless the maker has at that time on deposit a sum as large as the eal oper: nbt ~ business without the prohibition of | Investing in real-estate and with a H ed . Person above a fixed percentage of Hs capital and surplus. Neither may j tte wit mL UY or down for wearing tan sh ily M Hard Times. By Maurice Ketten. ( ipa BL SS METROPOLITAN OPERA HOUSE got ti 50." ‘Oh, i hat, see! Just like that, wear tt W. ‘A black sald aoderby—with«-swallow-talled coat but. my, enterctaunmenty Parreren 1 look fire wear! ~ "Oh, sure thing,” hollering, “said Mr, 'Jarr, as he stirred uneasily. a black waistcoat when you are in evening dress?” parch me,” sald Mr. Rangle, ‘I'm going to wear a Tuxedo. That's its far} ion Fined eh?” the: 0 dress up like a horse, I suppor: Do yon get the brilliant conversation that's on tap at ** asked Mr. she an {deal hostess?” Rangle. ‘All down but two!" ‘Tm not hep to these social usager’ myself," eatd Mr. Jarr, Sbutins a favor, Giimaktdinttweacantopernihataria nigniia ioanyiiiadenithiaia| \by the way, the word for that xarment ts ‘dinner jacket.’ “Well, I'm going $o wear my It Isn't often I submit to, being dragged to those bonton -al-| tains, but! being im it. PI play {t to the Hmit so far as I can figure, sald Mr, Rangle Mr. Jarr. as ing a derby, and y es with evening dress! int sald Mr, Rongl sald Mr, Jarr, ‘Say, can you tell me} why women will insist on dragging men out to those high- |! °™ brow affairs? Why can't they go if they lke that sort of (IPR. thing and let « fellow come for them after It's over?” ‘What. brillfant Me for the Dutchman’s, with the alley boy} “Ix st all right to wear a white “[ know tt Isn't the proper caper to wear Nc hat got dented: tip the hey» faunanred. t you're Tmt Kuy ronald Mr. Rangle with feeling. to x6 The Jarrs Aren’t the Only Folks Who Have Vigorous Discussions About What and What Not to By Roy L. McCardell. E'VE got to go out with the women folk to-night, I suppone there's no escape?” {seek Jarr as he and Mr, Rangle were riding home th )Could & the Subway. “Thete’s nothing to on Occasions—-There Are Others. 4 blue necktie!’ sald Mr, Jarr, “What of it?" sald Mr, Rangle, “It was a godd tle; cost sie a dollar, and Y noticed there wasn't another, fellow had one. It attracted a lot of attention.” “Do me a favor and don't wear it to-night! sald Mr, Jarr earnestly, “ZT don't want to wear anything,” anid Mr, Rangle ruefully, "I wish we ont of It. But it's one of those garment fights the women Inalet on Wear ‘ vy and said Mr. | fhaving ntervals, and as both our brides have new dresses, we're in for ft.” fe. ruefully, “we've| “Ai » women think of, ml they talk of, lx clothes. Ain't it funny?” . , after a paune, a wedding, they “aay, ‘What'll 1 wear?’ {Tete x os ything black that's decent to wear!’ Ant hey sympathize with the bereaved folk by say- por. . they'll have to borrow black’ drem i | Arriving home. the two victims of the social uffair that was to he’ dolor- ously groaned thelr ‘soparate domiciles as thoy Pay ete Pen "fo ch “f “i musical function i fo charmed you come LE RSU CUES een el Folng to put on your new dress? said Mr. Jarr, as he beheld Tile wife at tollette, 'T was.’ sald Mra. Jarr, ‘but tt look« so much lke rain that I don’ body will be dressed up yery much. so my old lace dress 1s good e: 4 £0 on and put on that now dress!” said Mr. Jarr, emphacically. $ hy?" replied Mrs. Jarr. ‘This looks all right at night. The skirt has new ruching at the neck it looks very nice, and it always people t delleve magn." Jan sold Mr, Jarr. “It we are going to meet uxedoy and, mir I want to show them that you've got Just as goo! clothes on “Ru aay and I ruin the dress?" sald Mrs. Jarr. sail Mr. Jarr, “and, besides, I don’t care: if you ritn It ppore tt r MN get a cat An opera hat {x the «well thing. (171 get you another.” and I'm not golng to make a monkey of myself .and re-you going to-wear inthe way of hat?” "Oh. vel My i When tt y well’ sald Mra, Jarr. . 1 at Mrs, Stryver’s they found the Rangles. already there ng your new dress,” said Mrs, Range, ‘you told me over Oubin't."* a { FOyHUTS, (Oa. Rren't your Keked Mra. Jarrt or Rangls, “Mi. Hangle made me put it on. He sata he wanted. who called me! int as good as anybody."* wt) (t=: By PF. G. Long fess=reserve trary is—required= of »State-and -national-banks—This- wide latitude permitted -to trust companies is one reason for their great in- | crease in number in recent years and for the recent difficulties of several} | of them, ” Letters from the People. More Expreas Trains, To the EA The Frentne World: | other WHI some one of your kind readers | of ve eexplain what an express train means done. ‘at the present tlme, especially the ones| bonnd from the Bronx. I thought by teking an pxpresa train one would leave @ little Iater, hut as it tx one haa to |p) leave one hour eart! Place of business in due t \been done to Mx that manhole and an- | Will Hughes Be President? To the Ditor of The Eyentnx World: w Hughes be President? Kee us think be able to wet a ‘drink? Tt takes! Now that he'a joined the W. C, nat to Teaoh babyy yw, tah three-quarters of an ho below I be no chance fora good ola the bridge and Nike a tu stow. | One Hundred and Sixteenth NW martied men must stay home at thon: Then wt night, wovemth streat « Or In thie woodshed be locmed up tt for all of the local\trains to gos ‘of the express, Now, will ad | ‘Then, {f we shoux get )| Our photos tn barroo | state. And The lusty | Hey | na “kate, must hang in| we ask for keep lou fs this © ord highbaile, | A Danxcerous Manhole, To the Eitor of ‘The Bventas Work! Batiniay Walker street and Broadway @ Departmen! G& Water 8 hole teetering up and down, | ete open at tine and a oo: ace to trafic and unfortunate horses. ‘The trame oMione watd it had beon re-| buoy _Daited before and nothiog effective hud od old curt” co!” for this p. poor POOR JIM, A dur, Ss 4 RACE SU/CIDE DESIGN: ow Would These Do for New Coins? : WHY NOT PUT A WAR /THE BIG I CENT FIN UNDES/R- ‘BL EC AN DOLLAR. BONNET ON LIBERTY!Y A TEDDY BEAR COIN, OR ANUMLE | Pete BONNET &- WHY Nor PUTA REAL ~ /NUJUN ON THE COIN Roveube “Wie Sal LG THe Mate, to He young, the cry of anger, of fear, of alarm; of pets; [child do, writes John Burroughs in the Outing Magazine for December, An T muddenly rose up, clad in a long black cloak. and rushed for ae Greeley-Smith | ; Discusses Heart Topics . DOAAADOOV MND OOIOOOD @ Men and Women and Neckties. BSEVENTEDN-YBAR-OLD wife of 8t. Louts, Mo., fs A suing her husband for divorce becaure, after three montha of matrimony, she hae decided” that abe ta) Wedded to a dude, Tallow kM gloves, white walstoomta, | & DODIAOHOIWM gaudy neckties and glowing hose.worn by the young mas! have dispelled all her wifely fllutons, the petitioner ée- clares, ahd Ufe-with him is no. longer to be endured. There are #0 many. wives who complain of the carelesq ireesing of thelr husbands, that I am inetined to tellove that this young womap dk not know that ahg entertained, tA Blogsing, dinwulsed, perhaps, in a red-necktle, and, part colored. Rocks. The young man-shé ts about to reject a hide “suffered ‘simply from misdirected zeal. A Uttie wifely critiolam, sugar-coated with praise, woubi doubtless Have”: won for her the proud privilege of buying his necktléa for him. .°, = i ‘The: dude may de undesirable, but the-fastkiious man {s above rubles,-enid the converaion of one into the other js merely a matter of taste and tact, By @-man’a.nécktics may you judge his tante in wornen. He who riots jamtecnously in all the vivid hues that bloom in habertashera’ windows apt to display a similarly catholic selection in bis kives, 7 (finds him Geroted to a purple necktie; with green epots and a blowzy blonde . beauty whose hatr-shows equal vivkinees and variety. The next a: cravat .ot erimeon poplin shares honors with,a nut-brown maw. Through all the raineow range of gins and neckties he wanders atimlesxiy without establishing a atyle of his own In elther. Devoted to no particular tle gr type, he forms no standards / of drese-or-beautyr~ Therefore tt” behoorer a Woman who, Iikv the St, Lota bride, dlacovere in her husband avitendency te outdo the spectrum in his nechk- wear, to select the color in-which he appears most pleasing to her and, by | Juticlous flattery, induce him to wear tt only. The good effect on his appear- ance may prove equally beneficial to his constancy. One tle—one type—one girl will become his slogan, His shirts will not caX.for partbiolored affinities in silk and poplin, his noul not yearn for similar complements among women. | Color aright in these instances have a corrective value. ‘Th who: find: hus- band too ay might lure him Into duller but more decoroux paths dy Taying out for him in the morning necktles of dull grays, leaf brownn or pepper-and-ealt effect. She, on the contrary, whose high spirits chafe under the commonplaces and rigidities of a plodding husband inight Infuse some color and allurement into his woul by a course pf blue or scarlet or burnt onfon neckties. PB tect fe had this opportunity but neglectot it. made her dude over had she ‘chosen, as he waa. 4 i | { Bho might have Not to do so implied that she liked Aim Some Educated Limericks. : By F. A. Paul. ME one department in whicti Punch Howl, the comic paper of the University of Pennsylvania. claims superiority in the friendly sivalry — with other college comics Is’ In {ta limericka. The store of these non sensical yernes seems to be inexhaustible, € A dog of the lumber yard breed ——Hada_faceatways open tor tec; He was fond of a lark If the cook boiled it dark, And young children he love’—fricasseed. The author of the above would probably be clansifind axa nature faker tm these troublous days, writes F. A. Paul in the Decembsr Bohemian, Never’ theless he persisted and told his readers next of : A giraffe who was painted dark brown And who lived {n an African town Sald, My neck ts a peach: Any food within reach | : Can be tasted five timex going down. | Nor does the “Iittle nonsense now and then” that the wisest relish 80, stop with Imericks. Occasionally some genius, antbhing at the same time Esper. anto and Reformed Engtish, Jum: to please the little folkr Cason ane sratee , Indites some such’ The hobolink bobbled “his brug brimmodatre And frabbled hls fungo-ozwando; He soazzied and chuggned his lye miffligaire While pandigging out his frasa-mando, His mushig, however, galog on the alller And quinsagged hia plag into mink But the xinzook cowldlawered and piggled the briiler ‘Twas the flob sol of our bobdolink. Why New York Has Horse Cars, By Burton J. Hendricks. - NE-QUARTER of ail the street rafiways on Manhattan Island are still ope crated by horse-power, In only one Amerioan city 1% the old-fashioned horse-car ati! utilized on a large scale, and that {s the Amercan metrors ~ ollx. Ten ttle Jingling horse-car roads still cross Broadway; the great east sda, cha Most densely populated dintrict in the world, !s 9 network of horse-car linoe, writes Burton Ju Hendricks in the December McClure's, And Cyclone Centre oF ; Poverty Hollow would blush for the quality of the service rendered. ‘The care are snot. uncieanty, dimly Hghted. and virtually unheated. In the winter- time a falr-ilzed snowstorm practically ends the s#rvice: in summer the éars Fun at Infrequent intervals, The Metropolitan officially explaine the situation: on the ground that the tramfc in these horse-cars streeta tn not large enough ta Justify the expense of elactric equipment, The fact is, bowever, that the come pany han obtained the money for the reconstruction of these lines and has pot expended tt for that purpose. In 19% the stockholders furnished $12,000,040 for electrically equitiping clehty miles. of streat railways still opernted by. hot power, The company haa equirped only thirty-six miles, and the money has: atl dina ppeared. i a The “Language” of Animals. . By John Burroughs. meg) UXLEY thought that because of the absence of Janguage the brutes scan have no trains of thoughts, but only traing of feeling, end. this \x the opinion of mont comparative paychologints. I am myself @atte } ready to admit that the lower: animals come aa near to reasoning | aa they come to haying a Innguage. Thel® various erles and calles Bede's of Joy—do serve aa the medium of some fort of communteation, but they! és not stand for {deas or mental: concepts any more than the various cries of Are_the remilt of simple reactions to outward objecte or ‘to inwa do. not Imply any mental process whatever, A grown peraon ery of pain or fear or pleasure with a mind utterly. blank of any Id yak MOONE Tomeht 1-Iny in walt for _some—boy poachers {n-my—vii tized his log ax he was hastening over the fence, he uttered a wild Scredm preciasty as a wild animal doe, when suddenly nelzed. He told me afterward he waa almply frigbten@d out ef his wits, For the moment he wae aimpiy an unrearoning animal, ‘ ay | A Random Dictionary. | By Helen Vall Wallace. EMPER—That strango factor of man‘e make-1 which shows him up at! | hin worst when It xete the best of him, A ARGUMENT-—Some mental. manoeuvres by which we convince ourselves - that we are right. : : 7 PHITOROPHER—An alchemist who has learned the Rnack of transmuting rorrow into natisfaction. One who haa learned to adjust. his mind harmoniowsly to the tnovitable. x if CONTEMPT-A mild mental poteon: “ JHALOUBY-A virulent mental potson; An unsanitary Insanity. “A \repelling” force, ‘ LOVE—An anti@nte for all mental potsons. The “sunlight, starlight, fires Mxht/!-An attractive force, ; eg pris: JOY--Wholesome, heartfelt satixfaction. Be ee PCSTABY—Intoxicated Joy. : 1 FIMOTIONALIOM—A bonfire made of human eneray. ue SELF-DISCIPLINE—That which uses energy judiciously and prevents presume ture death. hed —_—___-+-__ : A Swift Torpedo Boat. . ne NEW turbine torpedo will shortly, be teuted in France of greater epsed than any at present in exiatenco, capable of travelling a stanee of nrre than 1,20 miles, ard of carrying & much larger change of explosives than heen ‘A $10,000 Thermometer. | any torpedo now In uso, % Gy RMOMETER can be bought for a quarter, but there is one used at, A ‘Beaehne Hopkins Universtty in Baltimore known as Professor Bowland thermometer which ts valued at $10,000. ‘The graduations on > are ne fine that tt requires @ nalerescope te vend ¢hem, x -