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The One Necessary Manual for Investor and Business Man

A Summary of Commercial and Financial Facts

The Business Almanac

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For 1912

This is something entirely new in the field of Almanacs, and until you have the volume in your hand and see the extraordinary amount of ground it covers, you cannot realize the practical help it will give. It is chock full of sane advice on handling

your money.

¶ CONTENTS:-A Financial Calendar. A Glossary of Technical Terms. A Primer for Investors. Types of Investments. The Story of a Bond. Wall Street Records. Crop Records. Bank Records. How Money is Lost by Lying Idle. What Do Your Bonds Yield? Tables of Income Yields. A Decade's Growth of the United States. Insurance and How to Get it. Taxation. Personal Experience of Investors. Scientific Management. Service Coupons (which will bring you. free, answers from experts on any question).

Bound in Cloth. About 150 pages. Illustrated with 24 photographs and charts.
Regular price, $1.00 net. Paper, 50c. net (postage 8c.)

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"The Life of Woodrow Wilson." By William Bayard Hale. A most interesting story of the life of Governor Wilson of New Jersey, which discloses the fact that his whole work has been a conscious preparation for public office. "The South Realizing Itself." By Dr. Edwin Mims, of the Univer

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sity of North Carolina. A new and

vital story of the great industrial progress of the South.

"The Peace Number." With an article by President Taft.

"The Reader's Service." This Department will give you real help in your difficulties. Write and ask. Over 30,000

inquiries in the last two years.

Annual Subscription, $3.00

Send for our 1000 Special
Magazine Offers-

FREE FOR A POSTAL

DOUBLEDAY,
PAGE & CO.

GARDEN CITY

NEW YORK

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MISS MARSHALL'S SCHOOL

PENNSYLVANIA

For Girls. Academic and Music Departments. College Preparatory and Special Courses. Ideal location. New building. Comfortable home life and out-door sports. For catalogue, address Miss E. S. Marshall, Oak Lane, Philadelphia, Pennsylvania.

CHESTNUT HILL ACADEMY

A Boarding School for Boys, in the attractive and elevated country north of Philadelphia. Catalogue and views on request. J. L. Patterson, Head Master, Chestnut Hill, Pa.

PENNSYLVANIA MILITARY COLLEGE

In

50th year began Sept. 20. Degrees granted in Civil Engineering, Chemistry, Arts. Also Preparatory Courses of Study. fantry, Artillery, Cavalry. Our aim-The Development of Character to Secure Greatest Efficiency.

Catalogues of Col. Chas. E. Hyatt, President, Chester, Pa. FRANKLIN AND MARSHALL ACADEMY

Founded 1787. Enters about 40 boys to colleges each year. Beautiful grounds. Modern, sanitary dormitories. Laboratories, gymnasium, athletic field. $125,000 in recent improvements. Good health record. Terms moderate. Catalogue. T. G. Helm, A.M., and E. M. Hartman, A.M., Principals, Lancaster, Pennsylvania. THE MISSES SHIPLEY'S SCHOOL

Preparatory to Bryn Mawr College. Special educational and social opportunities of situation opposite Bryn Mawr College. College Preparatory and Academic Courses. Specialists in all departments. Resident Athletics Director. For circular address The Secretary, Box J, Bryn Mawr, Pa.

THE BIRMINGHAM SCHOOL, INC.

For Girls. An excellent school for girls, offering either academic or college preparatory courses. Healthful location. Gymnasium. Physical training. Main Line P. R. R. For catalogue address

OGONTZ SCHOOL

A. R. Grier, Pres., Box H, Birmingham, Pa.

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MISS COWLES' SCHOOL

For Girls. (Highland Hall.) Emma Milton Cowles, A.B., Head of School. Recently associated with Milwaukee Downer College. Preparatory to Bryn Mawr, Radcliffe, Wellesley and other colleges. Healthful location, 1000 ft. altitude. Swimming pool. Special care to younger pupils. Catalog. Address The Secretary, Hollidaysburg, Pennsylvania.

THE BALDWIN SCHOOL FOR GIRLS Preparatory to Bryn Mawr, Smith, Vassar and Wellesley Colleges. Certificate privileges. Also a strong general course. Beautiful location, only 20 minutes from Philadelphia. Fire-proof stone building.

Jane L. Brownell, A.M., Head of the School.

Elizabeth Forrest Johnson, A.B., Associate Head of the School. For catalogue address The Baldwin School, Box F, Bryn Mawr, Pa. SWARTHMORE PREPARATORY SCHOOL

An excellent school, giving individual attention to pupils. Under the supervision of Friends. Co-educational. Prepares for College, Technical School, and business. Cottage system. Gymnasium, swimming pool and athletic field. Write for catalog. Arthur H. Tomlinson, Head Master, Swarthmore, Pennsylvania.

SPRINGSIDE

Boarding and Day School for Girls. Mrs. Chapman and Miss Jones, Principals, Chestnut Hill, Philadelphia.

MERCERSBURG ACADEMY

One of the foremost preparatory schools in America, developing in boys those qualities that make men of character and action. Prepares for all colleges, technical schools and business. Send for catalogue. William Mann Irvine, LL.D., Pres., Mercersburg, Pa.

Beechwood

For

Young Women

A Cultural and Practical School We seek to discover the natural aptitudes of our students and have the departments to develop them. Our aim is a woman of culture who can successfully do the practical.

College Preparatory, College Departments, Conservatory of Music, Art, Arts and Crafts, Oratory, Courses in Domestic Arts and Sciences, Secretaryship, Normal Gymnastics, Normal Kindergarten, as electives. Free, healthful country life near Philadelphia. Unusual buildings. Rooms with private bath. Moderate terms. Apply for catalogue to M. H. REASER, Ph.D.. President Mrs. THEODORA B. RICHARDS, Associate

NEW JERSEY

An endowed school. Strong teachers. 250 boys. Prepares for all colleges. Business course. Music. Sixty acre campus, athletic field, gymnasium, swimming pool. Rates, $400. Lower school for boys 11 to 14 years. Forty-sixth year opened Sept. 20. Catalog. R. W. Swetland, A.M., Prin., Box 12-C, Hightstown, N. J.

FREEHOLD MILITARY SCHOOL

For Boys 8 to 13, also

NEW JERSEY MILITARY ACADEMY

For Older Boys. Half-mile distant but under same management. Military but not reformatory. For catalogue of either school, address Major Charles M. Duncan, Box 127, Freehold, N. J.

MONTCLAIR ACADEMY

Has a distinct personality and method. Fine equipment. College
or business preparation. Write for booklet "Your Boy and Our
School," with direct message to all boys' parents. Address
John G. MacVicar, A.M., 22 Walden Place, Montclair, N. J.

THE MOST SUCCESSFUL SCHOOLS of to-day began to advertise in SCRIBNER'S MAGAZINE years ago for pupils for to-day. To-day these schools are advertising for to

morrow.

BORDENTOWN MILITARY INSTITUTE

Jenkintown, Penna.

Our first aim is to make strong, manly, successful menphysically, mentally, morally. College and business preparation. Write for catalogue. Rev. T. H. Landon, A.M., D.D., Principal: Lieut.-Col. T. D. Landon, Commandant, Bordentownon-the-Delaware, N. J.

DWIGHT SCHOOL

For Girls. College preparatory and special courses. Certificates accepted by leading colleges. Limited number of pupils insures individual attention. Spacious grounds. Suburban to New York. Gymnasium. Tennis, riding. Address Box 607. Miss Creighton and Miss Farrar, Principals, Englewood, N. J.

PENNINGTON SEMINARY

School for Boys. 74th year. Prepares for all colleges. Also Commercial and Manual Training courses. Thorough course in English Bible. Elocution, Music, Pipe Organ. Separate Military Junior Dept. Boys' Scout work developed. Kates $400 to $500. For catalogue address Frank MacDaniel, Headmaster, Pennington, N. J.

BLAIR ACADEMY

64th year. Prepares for any American College. Campus 100 acres. Thorough equipment; liberal endowment justifies low rate of $350. Opened Sept. 14th. John C. Sharpe, A.M., D.D., Principal, P. O. Box N, Blairstown, New Jersey.

In answering advertisements please mention SCRIBNER'S MAGAZINE

49

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CORTINA-PHONE

LAW

Study at Home

Graduate correspondence students most successful at barexamination. Write today for proof and our free 112-page catalog. We make your home a university. Lead.ng home-study law course in America Our own modern text-prepared by deans and professors from the big law collegesHarvard, Chicago, Wisconsin, Michigan, Illinois, Iowa, Stanford and others. Very low cost and easy terms. "Also business law. We guarantee to coach free a graduate failing to pass any bar exam. LA SALLE EXTENSION UNIVERSITY, BOX 1270, CHICAGO, ILL

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CORRESPONDENCE SCHOOLS (CONTINUED)

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HOME

STUDY

19th Year

Correspondence-Study Dept.

offers 350 class-room courses to non-resident students. One may thus do part work for a Bachelor's degree. Elementary courses in many subjects, others for Teachers, Writers, Accountants, Bankers, Business Men, Ministers, Social Workers, Etc. Begin any time.

U. of C. (Div. F) Chicago, Ill.

Traveling Salesmen

and Saleswomen Wanted

Earn While You Learn. We now have on file letters from thousands of Wholesale and Manufacturing firms who are anxious to employ Salesmen and Saleswomen capable of earning from $1,000.00 to $10,000.00 a year and expenses. No former experience needed to get one of these good positions. We will teach you to be a high grade Salesman or Saleswoman in eight weeks by mail and our Free Employment Bureau will assist you to secure a position where you can earn good wages while you are learning Practical Salesmanship. Write today for full particulars, list of good openings and testimonials from over a thousand persons we have recently placed in good positions.

Address, Nearest Office, Dept. 127 National Salesmen's Training Association Chicago New York Kansas City New Orleans Seattle U.S. A.

LIP-READING

taught to deaf and hard-ofhearing persons;

easy, rapid system; results uniformly satisfactory; age no hindrance. DAVID GREENE, formerly of New York

Open all winter. Begin any time. Address: De Land, Florida.

The best magazine for

School Advertising

is the one which builds up an institution by supplying it with students who will be a credit to it the one which has weight and influence in the homes where the advantages of the Private School are recognized, appreciated, and acted upon. Not always the homes of the rich, but always the homes of innate refinement.

For 24 years SCRIBNERS has been welcomed in such homes. As such homes have become more numerous the circulation of SCRIBNERS has increased. To-day its value as a medium for advertising the best schools is unequalled-uneqalled in the extent of its circulation to homes that count.

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Present Occupation

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51

Postal Life, NY.

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The Postal Life Insurance Company pays you the commissions that other Companies pay their agents.

45% of the first year's premium is the average Com

mission Dividend guaranteed to each POSTAL policyholder on entrance into the Company. Other companies would pay this sum to an agent-as his commission. That's for the first year: in subsequent years POSTAL policyholders also receive the Renewal Commissions other companies pay their agents, namely, 72%; likewise they receive an Office-Expense Saving of 2%, making up the

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Call at

And the POSTAL pays the usual contingent dividends
besides-ranging up to 20% of the annual premium.
Such is the POSTAL way: it is open to you.
the Company's offices if convenient or write now and
find out the exact sum it will pay you at your age-
the first year and every other.

POSTAL LIFE INSURANCE COMPANY
The Only Non-Agency Company in America

35 Nassau St., New York

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