it:: There was no. opportunity. for 
other means of supplying water 
economically and he decided to dis- 
pose of the pasture. He sold it to 
another and pocketed his deceptive 
profits with glee. The neighbor 
soon had brains enough to discover 
his poor bargain. His cows also ne- 
glected the water with the conse- 
quent results. But he examined the 
water, skimmed a vessel full of the 
oily film and sent it to a chemist 
with the announcement in return 
that it contained petroleum oil. He 
interested himself in the problem 
and his difficulty produced for him a 
small fortune. It will take men a 
life-time to look adversity fair in 
the face and read success into fail- 
ure. But that is the quality which 
makes suecess and happiness. Not 
everyone has such a genius or such’ 
it lies’ 
a happy faculty, although 
within reach of all: This: is’ surely 
‘an acquired faculty and not’ an en- 
dowed talent: Man cannot afford to 
lament his opportunities,’ blame his 
fate or curse his’ set-backs, for he 
will invariably discover that life ‘is 
full of surprises and: that:.apparent 
and deplorable difficulties have 
more often opened “doors to happi-: 
hess and greater tisefulness. Keep 
on the sunny side of the-field! « 
| fae _ Influence’ 
All life is a study of influence. 
Every act, through motion and idea 
Im life, is created by previous ex- 
elds rewards to men’is but a gen- 
ine and careful study of influences. 
the world of ideas ‘‘talk’’ is an 
fluence ‘ind ‘‘talk’’ tells: It 
aries with it unending influences. 
aters mingle and we are ‘not able 
) tell from whence any one drop 
ay have come. The great river 
nevertheless owes its volume to the 
little unknown trickling streams in 
re hill country. 
i¢@ human mind. The mind takes 
up the resultant influence of ‘‘talk’’ 
while much is lost nevertheless 
influence of speech tells and 
nit has been spent no man 
weth whither it. goeth. It is 
- i 
a4 
‘and gone the next. While our 
aS are within us’ they are our 
, perhaps. When they have left 
lips all the kings’ horses and 
heck. It is trué that in the 
rts of life we give an account: of 
ta 
istent influence and creatés new in- 
fluences. Every walk of life: which 
eas may flow into a human mind ~ 
little mountain streams feed 
ooks, brooks tributaries, and trib- 
aries the mighty rivers The 
So ideas flow into 
the wind, it is with us this min- same 
"I the kings’ men could not bring’ 
NORTH SHORE BREEZE 
Mere talk is a great power 
whether it be the use of the forum, 
the pulpit, the lecture room, con- 
versation, or the printed page. 
Talk is growing in power and influ- 
ence. Edward Lawrence Godkin 
very succintly says in his volume of 
““The Problems of Modern Democ- 
racy,’’ ‘‘We may rail at ‘mere 
talk’ as much ag we please, but the 
probability is that the affairs of na- 
tions and of men will be more and 
more regulated by talk. The 
amount of talk—which is now ex- 
pended on all subjects of human 
interest, and in ‘talk’ I mean con- 
tributions to periodical literature— 
is something of which a_ previous 
age has had the smallest conception. 
Still it is safe to say that one-half 
of the talk of the world on subjects 
of general interest is waste. But 
the other half certainly tells. We 
know this from the change in ideas 
from generation to generation. 
We see that opinions which at one 
time everybody held became absurd 
in the course of half a generation.’’ 
With such a sacred trust man must 
be. careful that the influence of 
mere ‘talk’ be for public good and 
not for public harm. 
Cooperative Savings 
There is nothing that sueceeds 
hike success. Manchester has proven 
conclusively that it can maintain 
with success a good and paying 
bank. It’ affords, however, oppor- 
tunities for savings and investments 
not fully appreciated by the public. 
Perhaps one of the best methods of 
saving is the cooperative method. 
That is by the use of the compulsory 
monthly deposit. Every coopera- 
tive bank sells shares of stock 
which mature at the end of eleven 
or more years at about two hun- 
dred dollars, according to the inter- 
est paid, the purchaser of each 
share being obliged to deposit reg- 
ularly each month one dollar for 
each month. But the system is not 
only available in the cooperative 
banks, but can be used by the in- 
dividual to good advantage in con- 
nection with the local Trust com- 
pany. The interest account de- 
_clares interest each month and the 
advantages over the quarterly sys- 
tem of the savings bank is appar- 
ent. It can readily be seen that the 
monthly system of savings 
ean be used. Let the depositor de- 
termine upon the amount which he 
or she can deposit each month and 
then deposit it regularly before the 
beginning of the interest day each 
month and the same efficient results 
can be obtained. A regular deposit 
‘of five dollars a month preceding 
each interest day in about fifteen 
years will yield one thousand dol- 
lars. The monthly interest dates af- 
ford a marked advantage for both 
the depositor and the withdrawer. 
The former loses at the most only 
thirty days interests and the latter 
only has to wait at the most thirty 
days to make withdrawals without 
loss of interest. The time ought not 
to be far hence when loans can be 
made upon the cooperative plan to 
such as desire it, although no better 
way can be devised with due regard 
to the uncertainties of finances than 
the old-fashioned straight loan. 
A FEW SMILES 
Patsy—Say, Chimmie, who 
Robinson Crusoe? 
Chimmie — He was de duck wot 
got a long term on de island. 
was 
‘“‘Life’s a hard grind,’’ said the 
emery wheel. 
“It’s a perfect bore,’’ returned 
the auger. 
“It means nothing but hard 
knocks for me,’’ sighed the nail. 
“You haven’t so much to go 
through as I have,’’ put in the saw. 
‘IT ean barely serape along,”’ 
complained the plane. 
‘‘And I am constantly being set 
upon,’’ added the bench. 
‘‘Let’s strike,’’ said the hammer. 
“Cut it out!’’ cried the chisel, 
‘““here comes the boss.’’ 
And all was silence. 
First New Woman—‘‘It is very 
important to get all cooks inter- 
ested in the suffrage movement.”’ 
Second New Woman—‘‘ Why so2’’ 
First New Woman—‘Because ey- 
ery cook controls two votes — her 
own and that of her mistress.’’ 
—lLife. 
During a lesson on the animal 
kingdom the teacher asked if any- 
one could give an example of an an- 
imal of the order of edentata—that 
is, one which is without teeth. 
‘“‘T can,’’ replied Tommy, his face 
beaming with the pleasure of as- 
sured knowledge. 
‘Well, what is it?’’ 
teacher. 
‘“Grandpa!’’ he shouted. 
asked the 
‘“You are very foolish, Alfred. 
That is your third cigar, and you 
know the doctor limited you to one 
a ORY. 2 
‘“Yes, dear, but I’ve consulted 
two other doctors, and each has al- 
lowed me one cigar a day; total, 
three !”’ 
