[Advertisement] "It Took Me a Long Time today I've got a $5,000 Bank Account; own my READ THIS SUCCESS STORY by CHARLES W. HOYT luck you will get over it by Ruth handed me a clipping from a magazine. It reading this story from real life-the real work-a-day life of men and women like you and me. The experience is so human and parallels so closely that of most of us under similar circumstances that I shall tell it just as it was told me by the man who faced defeat and won: "You can grumble all you want to about hard luck," he said, "but after going through the mill I can truthfully assert that nine times out of ten the condition is your own creating. "Take my own case; I was married at thirty to the best girl in the world. We started with everything in our favor-health, good dispositions, friends, and a few hundred dollars cash capital. I held a good position paying me $40 per week. "The amount I had on hand when we were married was $745. It seemed ample-in fact a liberal provision for our needs-but we soon found that it was barely enough to start us decently. They say that riches take wings, but I think the $745 went by some quicker route, because one morning eleven months later I found myself facing the stern reality of Debt and only enough cash on hand to finance us until Friday, which was the next payday, a situation tantalizingly unsatisfactory for the reason that Friday's pay envelope only served to keep me above water for another few days. "Well, we drifted along in this haphazard, desperate way for over three years. Heaven only knows how I stood it; always on the edge of unpleasant disclosures; constantly harassed by creditors; never in an easy mental condition. I tried every possible way I could think of to free myself from debt. I read books on efficiency. I took a correspondence course in business. I plugged hard at the office, thinking in my troubled, confused way that that was the method of solving the problem. I felt that industry and application to my employer's interests would straighten out my own personal moneytangle. Shortsighted? Indeed I was, but I didn't know how else to go about it. I didn't know how to meet the problem in direct fashion. 66 In the meantime the children came along, and I certainly had everything in the way of family life as an incentive to make good. "It was now the third year of our married life and affairs were at a crisis. I was in debt over $650, but instead of getting clear of it I was gradually getting in deeper. This condition preyed on me so that my health began to give way. Ruth, too, had grown petulant and irritable. Our nerves were on such a feather edge that the slightest thing was sufficient to upset us both. And nothing in the world caused this unhappy condition but Debt. "We had tried a hundred times to solve the problem. Ruth and I would talk it over and we honestly tried to keep track of my salary to learn where the money went. We tried to apportion it against our debts and current expenses but it didn't work. read: In reply to my questions, Ruth smilingly brought something else for me to look at. It was a book; a rather large, handsomely bound, semiflexible book, which on opening I discovered to be a ruled, ledger-paper record book, with printed headings and summaries which seemed to cover the whole range of household expense items. In the front of the book there was a two page article, entitled Getting on in the World.' "I saw that the book was a system of keeping track of household expenses, arranged for an average family. And the system was so simple and understandable that it required no bookkeeping knowledge and took only three to five minutes a day to keep up-to-date. I could see at a glance that it was exactly what we needed. We read the introduction carefully. In fact, we read those two pages and the page of instructions over so many times that very soon we were laughingly quoting whole sections to each other. And do you know it was the best sort of sound, common-sense advice I had ever come across on the subject of saving money-advice that could be put into practice. 66 Right then and there we started in keeping the book. That was one of the fine things about it; you could begin any time just as well as January 1st. We followed the system laid down to the letter, and spent every penny of income according to the budget plan. We decided that first of all we must get free of debt, and so we set aside $15 a week to apply on the old bills. I made up a list of my creditors and went around and explained my situation in plain English. I told them how much I owed to others; when and how I expected to pay. It was humiliating, but it was the best thing to do. And really I was surprised at the reception I got. They gave me the best sort of encouragement and assurances of good will. "That encouragement and the feeling which came from knowing that our affairs were at last on a rock bottom basis cleared the skies. We stuck to it; denied ourselves unnecessary luxuries, saved on clothing, entertainment, etc. Best of all we were having the time of our lives. Why, I picked right up in health once I got those debts off my chest. I did not have them paid by any means, but I was paying them and was absolutely certain that my system would wipe them out before the ended. year "True to our plan we did pay every cent we owed by December 31st. And besides doing it we had $167 in cash in the bank. Here was progress sure enough! Actually, I felt like a million aire. "We kept right at it because we had during the first year's experience gotten into the habit. So much was set aside each month for every anticipated expense: rent, groceries, meat, insurance, clothing, gas, church, etc. We looked and planned ahead. "The second year we saved $710, and this after paying every bill as we went along. Our rule was not to buy anything we didn't have the cash to pay for. "The third year I got a promotion which gave me $500 more salary. Things at the office were running more smoothly than formerly. My mind was free from worries and I could devote 100% of my thought to my job, which was probably one of the reasons for my promotion. "About this time we moved into a new suburb and I made arrangements with a building and loan association for a nice little cottage to be paid for on the installment plan. Inside of six months I had a chance to sell it for an advance of $500 over what I paid for it. So we gave up that house and with the profit made a more substantial payment on a house we liked much better in a different neighborhood. Of course that was partly luck, but it would not have come out that way if we had not been prepared to receive it. "There is little more to add. We are as happy as mortals have a right to be. The kiddies are growing up and we are giving them every advantage parents desire for their children. We have a circle of agreeable, prosperous friends. The future is unclouded. We can look forward to old age-even though it is a long way offwithout the least fear because we know it is provided for. "What we accomplished can be done as easily by others. There is no secret about it. "We recognized in time that running a home is like running a business, and the money end must be managed on exactly the same basis. Our success started the moment we adopted a systematic plan of accounting for personal and household expense." Woolson's Economy Expense Book will keep track of the income and expenses of the average family. It was designed by an Expert Accountant for his own household. He made it so plain and simple that his wife could keep it. A few minutes daily keeps it written up-to-date. It automatically shows every penny of income and outgo; just how much for groceries, clothing, rent, medicine, amusement, car-fare, etc., and all this instantly and clearly. It is not complicated or tiresome. In fact, once you have started keeping a Woolson Book you will find it as fascinating as a game, and a miser for saving money. The publishers desire, in view of present living conditions, to distribute several hundred thousand copies of the new, greatly improved edition, and are doing it in this way: Merely write and ask that a copy be sent you without cost for a five days' examination. If at the end of that time you decide to keep it, send $2 in payment. Or if you wish to return it you can do so without further obligation. Send no cash. Merely fill in the coupon, mail it and the book will be sent you immediately. GEORGE B. WOOLSON & COMPANY 118-R West 32nd Street New York City George B. Woolson & Company 118-R West 32nd Street New York City Without obligation please send me, all charges prepaid, Woolson's Economy Expense Book. I agree to send $2.00 in five days or return the book. Name. Address.. Outlook 5-22-18 Scientific methods with prac HARTFORD tical training for the ministry. Large faculty and library. THEOLOGICAL Graduate fellowships, both for SEMINARY eign and resident. Open to col lege graduates of all churches. Associated with Hartford School of Religious Pedagogy, Training Sunday School and other lay workers. Kennedy School of Missions, fitting for foreign service. Address M. W. JACOBUS, Dean of Seminary, Hartford, Conn. Westminster School Simsbury, Connecticut A preparatory school for boys. For particular information address W. L. CUSHING, Headmaster. WYKEHAM RISE A country school for girls in the beautiful Berkshire Hills. Bryn Mawr preparatory course. Certificate admits to colleges accepting certificates. Special classes in typewriting, telegraphy, first aid, etc., in prep aration for patriotic service. Military drill by an instructor of the National Guard. Catalogue on application. Fanny E. Davies, LL.D., Principal, Box 5 C, Washington, Connecticut. MASSACHUSETTS, Barre. ELM HILL A Private Home and School for Deficient Children and Youth. Skillful and affectionate care. Invigorating air. 250-acre farm. Home dairy. All modern conveniences. Personal companionship. Health, happiness, efficiency. 69th year. Address GEORGE A. BROWN, M.D., G. PERCY BROWN, M.D. MASSACHUSETTS, Boston, 779 Beacon Street Posse Normal School of Gymnastics 30th year. New building. Courses of one, two and three years. The war has created great demand for our graduates. Courses in Medical Gymnastics and Playgrounds. Apply to THE SECRETARY. Bradford Academy for Young Women 115th year. Thirty miles from Boston. Address the Principal, Miss LAURA A. KNOTT, A.M. Bradford, Massachusetts DEAN ACADEMY, Franklin, Mass. 52d Year Young men and young women find here a homelike atinosphere, thorough and efficient training in every department of a broad culture, a loyal and helpful school spirit. Liberal endowment permits liberal terms, $825-$400 per year. Special Course in Domestic Science. For catalogue and information address ARTHUR W. PEIRCE, Litt. D., Principal MONSON FOR BOYS Established 1804. 15 miles from Springfield. An endowed school. Certificate privileges. Completely equipped athletic field. Modern dormitory. Gymnasiumn. Rate $450. Fund for boys of proven worth. For catalog address Alexander H. Blackburn, Principal, Monson, Mass. MASSACHUSETTS WALNUT HILL SCHOOL 23 Highland St., Natick, Mass. A College Preparatory School for Girls. 17 miles from Boston For many years known as "The Burnham School." NORTHAMPTON, MASS The Burnham School CIRLS NORTHAMPTON, MASSACHUSETTS Founded by Mary A. Burnham in 1877 Opposite Smith College Campus MISS HELEN E. THOMPSON, Headmistress Wheaton College for Women Only small separate college for women in Massachusetts. 4-year course. A. B. degree. Also 2-year diploma course with ont degree. Faculty of men and women. 20 buildings, 100 acres Endowment. Catalog. REV. SAMUEL V. COLE, D.D., LL.D., President. Norton (30 miles from Boston), Massachusetts Short-Story Writing COURSE of forty lessons in the history, form, strue A ture and writing of the Short Story Caught by Dr. J. Berg Esenwein, for years Editor of Lippincott's. One student writes:-"Before completing the lessons, received Over $1,000 for manuscript sold to Woman's Home Compan ion, Pictorial Review, McCall's and other leading magazines." Also courses in Photoplay Writing, Versification and Poetics, Jour nalism. In all over One Hundred Courses, under professors in Harvard, Brown, Cornell, and other leading colleges. 150-Page Catalog Free. Please Address The Home Correspondence School Dept. 68 Springfield, Mass. WALTHAM SCHOOL FOR GIRLS NEW JERSEY KENT PLACE, Summit, N. J. A country school for girls 20 miles from New York. College NEW YORK THE STONE SCHOOL Cornwall-on-Hudson, Box 16, New York A School in the Heart of the Open Country. For Boys from 9 to 19. LOCATION: 50 miles from New York, 5 miles from West Point, on a spur of Storm King Mountain, 900 feet above sea level. Healthful, invigorating, unusually adapted to a sane and simple out-of-door life. WORK: Preparation for College or Business Life: recent graduates in 12 leading colleges. Each Boy studied physically and mentally to increase individual efficiency. Small Classes: A teacher for every 6 boys. ATHLETICS: Two fields with excellent facilities for all sports, under supervision; hiking, woods life. swimming pool. You are invited to come and see for your elf. Catalog sent on appication ALVAN E. DUERR, Headmaster St. John's Riverside Hospital Training School for Nurses YONKERS, NEW YORK Registered in New York State, offers a 3 years' course-a general training to refined, educated women. Requirements one year high school or its equivalent. Apply to the Directress of Nurses, Yonkers, New York. NEW YORK CITY FROEBEL LEAGUE KINDERGARTEN TRAINING SCHOOL 2-year professional course. Special courses in kindergarten, primary, and Sunday-school work. Students' Residence. Model Kindergarten and Primary Dept. Circular. Mrs. MARION B. B. LANGZETTEL, Director, 112 East 71st St., N. Y. C. ETHICAL Normal Departments Central Park West and 63rd Street New York City Kindergarten, Primary and Manual Training Offer many advantages in the preparation of teachers. Observation and practice teaching. Students are allowed the freedom of the school. For information address FRANKLIN C. LEWIS, Supt. LIBRARY SCHOOL of THE NEW YORK PUBLIC LIBRARY Prepares for library work in all parts of the United States. Entrance examinations June 8. For Circular address E. J. REECE, 476 Fifth Ave., New York. PENNSYLVANIA BOYS' CAMPS DULUTH BOAT CLUB BOYS' CAMP THE purpose of this camp is to build up mentally and physically each boy in accordance with his individual needs. With this end in view, the registration is restricted to 40 boys between the ages of 11 and 16. Specialized sport is discouraged by the management. Competent instructors are provided to teach swimming, life saving, speed strokes, sailing, canoeing, boxing, military drill and general camping. Rowing will be taught by JAMES A. TEN EYCK, CREW COACH who will also be in general charge of diet and physical condition. The director, Mr. M. R. Johnson, formerly with the Springfield International Y. M. C. A. General Library Work Library Work with Children For information address the Principal, Carnegie Library School, Carnegie Institute, Pittsburgh, Pa. VERMONT An endowed school for girls overlook Bishop ing Lake Champlain. Well equipped buildHopkins tory and general courses. Write for book ings. All outdoor sports. College prepara let. Miss Ellen Seton Ogden, Principal. Hall The Rt. Rev. A. C. A. Hall, President and Chaplain, Box C, Burlington, Vermont. BOYS' CAMPS Camp Monadnock Jaffrey, New Hampshire. Altitude 1,180 feet. Boys 9-15 years. Water sports. Canoeing. Athletics. Scouting. Mountain climbing. Fishing. Woodcraft. Tutoring. FREDERICK S. ERNST, A.M.) Directors. for Preparatory and High School Boys, at ANDOVER, MASS. JULY 3 to AUGUST 14 Directed by Canadian Overseas Officers. Same instruction given as in France. Trench construction and manœuvres. Bayonet fighting, bombing, rifle and machine gun practice. All departments of Military Instruction pertaining to modern warfare. Equipment and plant of Phillips Academy to be utilized. Fee, $150, including everything. For information, write DR. ALFRED E. STEARNS, Principal. CAMP WAKE ROBIN Woodland, N. Y. 14th SEASON. YOUNGER BOYS EXCLUSIVELY Woodcraft,nature study, manual training, all sports and swimming. H. O. LITTLE, Lincoln High School, Jersey City, N. J. MODIFIED CAMPING For boys under 14 years of age Good nights outdoors in tents-bad nights indoors. J. C. SHORTLIDGE, A.B. Harvard, Prin. Camp Pok-o'-Moonshine Adirondacks. Unquestionably one of the finest camps in the country. Ages 9-17. 13th season. $20,000 equipment. Rates absolutely inclusive. Address DR. C. A. ROBINSON. NEW YORK, Peekskill, Peekskill Academy. Birch Point Camp LAKE PLACID, N. Y. On Buck Island. Finest situation on most beautiful lake in Adirondacks. Ideal boys' camp. Elevation 1,900 feet Mountain climbing, swimming, boating, canoeing, fishing, tennis, hikes, etc. Motor boats. Main cottage and tents on platforms. Ages 10 to 16 years. Highest references given and required. Illustrated booklet. Mr. and Mrs. S. Hudson Chapman, 1128 Spruce St., Philadelphia GIRLS' CAMPS Camp Bryn Afon for Girls Lake Snowdon, near Rhinelander, Wisconsin JULY 3-AUGUST 28, 1918 230 lakes and 11 trout streams in a twelve-mile radius of camp. Screened sleeping bungalows. Arts and crafts studio. Red Cross workroom. Infirmary in charge of graduate nurse. Camp 1,600 feet above sea-level. Activities include horseback-riding, swimming, tennis, basket-ball, jewelry making, dramatics, photography,, interpretive dancing, sketching, wood lore, scientific gardening, canoe trips with guides and chaperons. Faculty composed of fifteen college graduates. For catalogue write to MISS LOTTA BROADBRIDGE, 15 Owen Ave., Detroit, Mich. GIRLS' CAMPS THE HANOUM CAMPS THETFORD, VERMONT Hill Camp for girls under 15-Lake Camps for those over 15. Riding, swimming, canoeing, gypsy trips. Our girls go home strong in body, mentally alert, and inspired with the highest ideals. Tenth year. Illustrated booklet. PROFESSOR and MRS. FARNSWORTH Pine Tree Camp for Girls On beautiful Naomi Lake, 2,000 feet above sea in pineladen air of Pocono Mountains. Four hours from New York and Philadelphia. Experienced councilors. Tennis, basketball, canoeing, "hikes," horseback riding. Handicrafts, gardening, Tutoring. Red Cross work. 7th Season. Penna., Philadelphia, 317 W. School Lane, Silver Lake Camp For Girls 7th Season. Graduate, Senior, Junior Camps in the Adirondacks. Ideal, healthful, happy life. All the sports. Red Cross work. Sleeping porches; graduate nurse. For catalogue, address the Director of Silver Lake Camp, The Packer Collegiate Institute, Brooklyn, N. Y. Chatham Woods Camp Ninth Season (FOR GIRLS) South Chatham, N. H. Wonderful situation on clear mountain lake. All land and water sports under experienced councillors. Handicraft, gardening. Red Cross work. First aid. Booklet. Address after May 15 at Camp. KATHARINE L. BISHOP, 276 Mill Hill Ave., Bridgeport, Conn. SARGENT CAMPS for Girls DR. D. A. SARGENT, President. WINNERS ОАНЕ The Hill of Vision. On Granite Lake, New Hampshire. CAMP ABENA for Girls BELGRADE LAKES, MAINE All usual camp activities. Red Cross War Service Work and CAMP AREY FOR GIRLS LAKE A Camp which develops a sound mind in MRS. M. A. FONTAINE, ROSLYN, L. I. Camp Abnaki for Girls RANGELEY LAKE, MAINE Pine woods; on shore of the beautiful Rangeley Lake. Secluded but accessible to village and railway. High altitude, dry, invigorating air. Land and water sports, mountain climbing, tramping, trips to points of interest, fishing, gardening, tutoring, music. Home cooking; spring water; table supplied from our farin, which is part of the Camp Settlement. Modern bungalows and screened tents fully equipped for campers. A limited number of Juniors and Seniors accommodated for season or part season. Secretary, 721 St. Nicholas Ave., N. Y. The Outlook MAY 22, 1918 Offices, 381 Fourth Avenue, New York JUN 19 LIBRAY On account of the war and the consequent delays in the mails, both in New York City and on the railways, this copy of The Outlook may reach the subscriber late. The publishers are doing everything in their power to facilitate deliveries ANOTHER HUNDRED MILLION FOR THE RED CROSS The American Red Cross asks the American people for a second hundred million dollars. Every dollar subscribed is to go to war relief; not one cent is to go for administrative expenses. This week the new drive is going on all over the land. Whether it yields one hundred million, or more, or less (the former big drive yielded $108,000,000 in cash), there is no question that the people are glad and eager to put working power into the Red Cross. The vastness and variety of Red Cross activities are so great that, in one sense, this fact is almost a disadvantage. It is all but impossible for the ordinary man to take in the extent of the work. If we read statistics and figures, such as those given in careful and elaborate reports summarized in The Outlook of December 12 last, or count up the departments and the plans for expenditure here and abroad, we are apt to be bored or confused. To most people the idea of the Red Cross is chiefly that of women knitting socks, of other women making bandages; of ambulances purchased, fitted, and sent to the front; of hospital units formed and handed over to the Army Medical Corps, each with scores of trained workers; of the two million women who last month made over twenty-six million surgical dressings and garments at a cost of eleven million dollars for raw material; of money spent here, there, and everywhere for the relief of civilians who have suffered from the war. Perhaps one may get a more intimate idea of the human side of Red Cross activities by thinking of some odds and ends of happenings noted here literally at random. Thus you see in your daily paper that the Surgeon-General of the United States has directed the Red Cross (not asked, but directed, if you please) to train thirty-five thousand nurses in the current year. You read that a little gift of ten million francs has been made to the French Red Cross from the War Fund of the American Red Cross. You note that in April the Red Cross in France provided eight hundred thousand meals for American soldiers in Red Cross canteens and rest stations. You learn that the Red Cross Purchasing Department in Paris bought ten million yards of gauze and five million rolls of absorbent cotton at one time. You find that the Red Cross supply service in Paris carries on the most gigantic department store in the world; that its stored goods fill five immense warehouses with articles ranging from safety-pins to motor trucks. You find also that one enormous warehouse, known as the "warehouse of donations and gifts," is filled with things sent by individuals out of their kindness of heart—not the regular relief supplies at all, but such things as home-made jelly, patchwork quilts, and from one giver an entire car-load of rosy-cheeked apples. Again you saw incidentally in your paper last week that over two hundred thousand dollars has been appropriated for the single purpose of buying surgical instruments for Italy; and, speaking of Italy, you remember that you read somewhere else that the streets of Bologna lately were lined with people to see a regiment of Italian soldiers, all of whom had been wounded, marching to the railway station to thank the Red Cross representatives for the aid which had been extended to their military hospital, and that in Naples alone twenty-seven hundred families were being furnished food by the Red Cross at one-third the market prices. You might have read yesterday that the Red Cross has already made plans and arrangements to send a ten-pound food parcel to every American soldier who is or may be in the future a prisoner in a German prison camp. Or you might happen on an item saying that in Belgium six hundred thousand dollars was devoted solely to removing children from zones under fire. So, we say, when you remember some of the scores of stories that you must have seen of the human, wide-extended, National, and international evidences of what the Red Cross has done and is doing under their motto, "Get the Work Done; Never Mind Who Gets the Credit," you realize that there are indeed, as the President says in his proclamation designating the week beginning May 20 as "Red Cross Week," "rare opportunities of helpfulness under conditions which translate opportunity into duty.' We do not need to ask where the money has gone and is going if we recall the fact that (to take two items only) four and one-half million dollars has been spent in actual relief work in Italy since the Italian military reverse of last October, while, if we remember rightly, over twenty million dollars-a few millions more or less does not matter-has been spent in actual relief work in France; not official expenses, or anything of that kind, but in helping and saving men, women, children, and babies-especially babies. There may sometimes seem to be too much red tape and excessively complicated organization; but a corporation spending one hundred million dollars a year and having twenty-two million adult members (one-fifth of the total population of the country) could hardly be run like a sewing-bee. Wherever the Red Cross flag flies it means help and succor for the wounded, relief and support for the homeless, comfort for the soldier and sailor. Americans know this. "Red Cross Week" will testify to that knowledge. AN INTERESTING PUBLIC DOCUMENT We wish that Government reports were always as readable and as human as the report of the Railroad Wage Commission which has just been made public. It is a paper-covered book of 150 pages, but its gist is contained in the Introduction of less than fifty pages. The balance of the volume consists of tables, evidence, various kinds of technical information, and diagrams. The readability of the report is doubtless due to the fact that Franklin K. Lane, Secretary of the Interior, is Chairman of the Railroad Wage Commission. Secretary Lane is an accomplished and highly trained journalist, having been in his early days a newspaper man before he became a lawyer and later on a Government official. We suspect that he had a large share in writing the report. It states that there are two million railway workers now in the employ of the Government; that wages and salaries now exceed two billions of dollars annually; that to grant all the increases requested would involve "an additional outlay of somewhat over one billion dollars per year;" that a studious investigation (the Commission has been at work since last January) shows that the increased cost of living makes some increase in wages absolutely necessary; and that the Commission recommends increases, in accordance with a table which it has prepared, amounting in all to about $300,000,000 a year. "The magnitude of this amount is not staggering when the whole expenditure for wages on the railroads is considered. And whatever its effect upon the mind may be, we regard such an expenditure as necessary for the immediate allaying of a feeling that cannot be wisely fostered by National inaction, and as not one dollar more than justice at this time requires.' We confess that we turned with some fear and trembling to the table by which the increase of the monthly wages of nearly two million men is to be calculated. Such tables are generally so highly technical as to be difficult to understand. But the present table is simple and interesting. It fills only seven pages of paper about the size of a standard magazine page, gives the old monthly wage, the percentage of increase, the amount of the increase in dollars, and the total amount of the new wages recommended. First-year high school boys and girls can easily understand it. The tables for mileage payment, hour payment, and overtime are somewhat more elaborate, but they are greatly |