Chick Evan's - Golf Book The story of the sporting battles of the greatest of all Amateur Golfers by-- ~ CHARLES (CHICK) EVANS, JR. Sixty-five illustrations. For sale at: -- R. Uglow & Co. N | Frederick N. Whitey, if | Monday. DORESS™ 0 KIWANIANS F. N. Withey, New York, Speaks on "Gambling on Human Nature." vice-presi- {dent of the National Casualty Com- | | pany-New-York-was-the-speaker-be~ i§ | fore the Kiwanis Club at the Weekly luncheon in the Hotel Froritenac on His subject was "Gamb- [ling on Human Nature' aff he was listened to with absorbing interest. Mr. Whitey dealt with an unusual subject, hut one that sh uid seriously: engage the attention of everywhere. He told of the place of the casualty company in tite business of every community, its liability for losses due to embezzlement or de- falcations of trusted employees, so- licitors and bank presidents; of the men who niade good risks and those who did not; and of the means taken by the casualty company to detect the '| false from the true. It was a splendid address, and President Frank Hoag was congratulated upon his success really exist in this busy ° world of ours. A man must be thoroughly awake to his opportunities to succeed. He must enjoy. perfect vis- jon. The science of optome- try has made it possible to determine the exact condi- tion of affected eyes and to specify just the glasses that will gradicate the trouble. Wea are competent to serve and our charges are very - fair, : Bean man's luck doesn't Registered Optometrist 140 Wellington St. Opp. Post Office at Diamond Values See our special 'win- dow prices-- for un- surpassed value-- all from our regular "faultless" stock. quality Kinnear & d'Esterre JEWELERS 100 PRINCESS STREET in obtaining such an interesting speaker, one who had a real message for business men, During the roll call the following | visitors were introduced: S. Rams- den, London; H. Wallace, Ottawa; A. McKechney, Ottawa; George Hanson, Hull; "George Grange, Peterboro; George Kinnear, Chicago; Dr. Walter Gravell, New York. The following menibers drew fines: Bob Reid, and Bert Winnett for being late; Fred Wilson, J. S. Asselstine, Jim Sowards, Bob Gardner. Bob failed to salutes the name of Katie O'Neil during the singing of the song. > J. 8. Asselstine, optometrist, was the booster and was very generous in the matter of prizes, the winners of which" were: H. E. Richardson, M. Oberndorffer, Fred Clow, Sherman Hill, Garnet Lockett, Jean Dennee, Frank Anglin, Tom Kidd, Jim Sowards, W. J. Crothers. Mr. Whitey opened his addresg with some pertinent philosophical observations upon life in general, and upon life in the business world in particular. He was profoundly im- pressed by the hearty singing of the American national hymn, sung in his honor, and he paid 2 warm tribute to the heroism of the Canadian sol- diers.in the late war. "Let us bope," said he, "that we may yet reach the ideal expressed by the phrase, "par- liament of man in the federation of the world." It is the' politician, and not the American people, that is hindering Automobile Repairing ELLIOTT & WILLIAMSON ny Prick pn, auisable for auices arrange for residence. - Jd MR. KIRKPATRICK on TO RENT raph Building, SUITE D ROOMS, with two ply premises. ¥ Shop 1039. Res. 1537J. 878 BROCK STREET the work of great men. "But all life is a gamble. All life is a hazard. All friendship, even, is a hazard, and though romance is a gamble, we sometimes see men indulg~ in it not once but twice and even oftener. Surety companies are great gamblers, for they build upon human nature." Coming to the practical application The board of health--three square meals a day, mn CIFTS THAT LAST "His Master's & Voice" Records Could there be a. more acceptable gift than music -- the gift that will bring unbounded pleasure not 'for a day, a week, but for all time. "His Master's Voice' Records are musical masterpieces that bring to the restful quiet of your own home the very best in music sung and played by world famous artists--and, as if by the touch of a ma mand appear orchestras and ic hand, at your com- e most popular dance celebrated entertainers to make your jollification complete. We have them all. R. J. RODGER 132 Princess St. of his subject, the speaker suggested that if anyone desired to realize how short time really was, let him sign a sixty-day note in a bank. Here the banker takes no chances, but plays a sure game because he has to. The surety company gambles on human nature and must know something about human nature, something about men. These companies must know what you will do when the Stress and strain of life comes; and in order to write bonds successfully they must get information. This forms the basis of a table of averages showing what men will do in the generality. "Let me eay right hore that the majority of men are honest. The average is very high. Out of $7,- 000,000 written in a given period, only $70,000, or one per cent. went wrong, and only one-seventieth of one per cent. was due to deliberate or intentional criminality. The great majority of cases were brought about through weakness and entangle- ments, often through women. But the sad thing is that whether the case was intentional or not the con- éequences was a wrecked business career and a disgraced home. In the "business world the Auglo- Saxon stands highest for integrity and honorable dealing. In contin- ental Europe the Hollander comes next and then the people of Norway, Sweden, Denmark and Germany, witn the Mediterranean population last. The Jew will go wrong some times but when he does he takes every- thing in sight. The southern Europ- calg are petty pilferers, thieving in a very small way. Ponzi was the ex- ception. But of the whole human family the Chinaman is the most honest man in the world, surpassing the Anglo-Saxon. Tha Chinese have a better record for integrity than that of any other race in the world. Some have endeavored to account for We are offering Men's Oxfords at "a very special bargain. - --Brown Brogue Oxfords. --Black Kid Oxfords. ~Mahogany Calf Oxfords TO CLEAR AT .......... $495 the honesty of Chinamen by refer- ence to the penal laws enforced through many centuries. All caught THE DAILY i ito self-preservation. usiness men ' stealing had their heads. promptly cut off, and honesty was necessary | But whatever {the cause, the Chinaman is trustwor- | 'thy because he is honest, { Women are more honast than men. | There are two circumstances under | which women do sometimes fall. One | | is the craving for articles of clothing lor military and the other is poverty. The strain becomes too great and the Woman steals; put thre"smountis al ways small, In these cases the surety company 'tempers justice with mercy. | Embezzlers and defaulters are | usually under the age of thirty years i and emal] amounts of money are in- volved. It is very rarely' that the | middle-aged man becomes a defauiter | because he is a matured man, and | has a trained mind. > Mr. Whitey took up the question of how to pick eut the trusty man. | The lawyer, receiver, bank president. or treasurer who may hold the poc- ket book of any.eoncern can make | or break it. The Surety Company tells direc- tors and auditors that they are as much to blame as the man who de- faults for placing temptation in his way through failure to carry out frequent periodic checking. Some in- teresting cases of bad wrecks were cited, in one case no checking had | been carried out for a number of | years and the amount lost was $256,- | 000. Another case was that of a | California lawyer who embezzled the | funds of five estates. The president of the National Sur- ety Company, a man of forty years | experience in the business, denies the | truth of the statement so often heard, viz: 'every man has his prize,' but he does say that all men are vul- nerable at some point. It is there- fore important that all business con- cerns should remember that every time they check up their business, | (and it cannot be too frequently) | they renew their confidence in their trusted employees. . From experience with all sorts of occupations in all parts of the coun- try, the surety company has learned of some occupations that they do not like to bond. Among these are oil men. The atmosphere of an oil dis- trist seems to make men oily. If after an honorable service in one part of the country, a man moves to an oil region he soon begins to stoop to dishonorable acts. Another class is the box office man 'in theatres. These succumb to the alurements of luxurious appearances prevaledAt at theatres. Then there is the luxury- loving wife. The company does not like to issue bonds on her husband, because they are living beyond their income. Wives that lead their hus- bands too fast a pace are the cause of numerous financial disasters. The surety company knows these things. The best risk the company can write is upon the man who saves and lives within his income, who gets along with little personal indulg- ence, is happy and contented with life, who is not always worried and stands clear in a financial way. We will write a bond on that man for any amount of money. The married man is a much better risk than the bachelor--by six to one. Next comes the "nut" or "erank'" of a community. You know his opinions and where always to find him. On the other hand we have to look out for the 'smooth. guy" for the reason that he has no outstanding moral convictions that make him stand four square. He takes the way of least resistence. Strange as it may seem the habitually profane man is usually a good risk. He seldom becomes an embezzler. He nurses no designs against society but-is- con- stantly getting rid of his feelings and his honesty is transparent. Then come the fat men who, as a rule, are too well contented with life to be- come defaulters, The undeMying cause of much de- linquency is the failure of many men to mature before being entrusted with responsibility. This process takes place early in somé and late in others. Some mature mentally at 21 but others not until 25, 30 or Sven at 50 years of age, They do not understand life. Most defaulters are deficient, are not full-grown men, or fully developed, or understand the consequences of their actd, or have the power of resistance, even if these delinquents look at,embezzlement as a business venture and say "Can I get away with 'this?" they would declare it a "bad proposition," be- cause by yielding to it the men sur- renders the standards that guide the path of rectitude and honor. The speaker concluded with advice for all young men under the age of twenty-five years to beware of tae false philosophy that fortunes and business success are built upon dis- honesty and crooked dealing. This 13 disastrous to the young man who entertains it at the outset of his career in life. By all mean$ let him shake such a delusion for fortunes A | TWICE TOLD TALES | TEN YEARS AGO. City Engineer Craig has resigned to take a government position at Windsor. - The street rallway company has decided againat allowing any more public plenics at Lake Ontario Park. "The tug Hackett ran on the tower shoal near Folger's wharf this morn- The Bell Telephone Company wiil . News of Kingston * TWENTY-FIVE YEARS AGO. About fifty residents of Carleton Island came to the city today on the steamer America. The Collin's Bay Rafting Co. will start on its Toronto contract for lay- ing conduit next week, J. F. Wilson has a sunflower in his garden 'on O"Kill 'street that stands twelve feet high and has thirty-three flowers on it. ' D. David Cunningham is back from Belleville regatta, The schooner Norway will be an- chored off Lake Ontario Park fr of diving from her mast-' BRIT time and two men will give ex- |" ISH WHIG. Y-- ABERNETHY'S hoe Bargains 2.00 --Sale of Women's . Boots. Baby, Childs' and Girls' sizes White Buckskin Button Boots-- regardless of cost whicHieriginally sold at $3.50 to $6.00. Clearing this week at ...... $4. --Sale of Men's $7.00 Brown Bluchers, -- Sale of Men's $7.00 strong Work Boots. --Sale of Women's $7.00 Brown Oxfords. Sale of Women's $8.00 Patent Oxfords. ... $2.00 $1.95 WOMEN'S SOLID | 'COMFORT HOUSE SLIPPERS Strap or elastic vamps; sizes 4 to 8. _Special . ... $1.95 95 $10.00 White Buck 69¢. CHILDREN'S : "STRAP White Button and Laced 'Boots, odd sizes, etc. Clearing this week ..........69c. Abernethy's Shoe Store WHITE CANVAS SHOES $2.95 Boys' Box Kip Blu- chers; sizes | to 5. Special price $2.95 - EE SAVINGS AT THE UNIQUE GROCERY & MEAT MARKET You want to save and make your money go as far as pos- sible. Our stores are well stocked with everything of the best in our lines. Our prices are such that you will save money by Phoning 530, or call yourself and see our stock and leave your order. | | C. H. Pickering 490 and 403 Princess Street. 50,000 SAMPLES Dr. Bells Vetorinnet Wonder 50,000 one dollar ($1.00) bottles Free to horsemen Who glve the Wonder a fair trial. Guaranteed for Colle, Inflammation of the Lungs, Bowels, Kidneys, Fevers, Distemper. ete." Send 6c. for, Mailing Package, ete. Agents wanted rite your address plainly, R. BELL, V.S, KINGSTON, Ont. Be Made Up? People speak of "making up" sleep, balancing loss of sleep one, two, or three nights by a 'good, long sleep' some time in the future. A fing yey! : a But the hard-working man or woman of these days needs a good, sound sleep every night, in a bed that invites every nerve and muscle to relax. We lead in bedding. : \ ¢ Ostermoor, White and Green La bel Mattresses; Banner Springs and If « man doesn't laugh when h sees a girl trying to sharpen a pencil, he is in love with her. No man can make a mountain, but some men can make a big bluff, Prices . . .. ot are not built up except upon honesty, integrity and hard work. President Frank tendered a hearty vote of thanks to Mr. Whitey at the conclusion of his admirable address. When the Anti-Everything Associ- ation has abolished everything else, maybe it will demand a 919th amend- ment abolishing STOP THE PAIN Headache, Neuralgia, Rheumatic, Sciatic 7 Simmons Beds, at:-- JAMES REID RONEY'S, Princess St. - PHONE 147 FOR REAL SERVICE | FIRST SHOWIN OF BOYS'.FALL SUITS NL ed Ota $12.00 A beautiful home on UNION STREET; fine location; all modern conveniences. For quick sale--price $6,700, A fine home on UNIVERSITY AVENUE; all modern con- For information concerning these properties, all office. Nothing 'private crulng th phone. Plemss wall ot M. B. TRUMPOUR There may be as good sea-serpents It is easy to tell when a girl has in a drug store as ever came out of a her own figure by the contempt sad saloon, shows for those who haven't, ;