MASTER NEGA TIVE NO. 93-81412 MICROFILMED 1993 COLUMBIA UNIVERSITY LIBRARIES/NEW YORK as part of the "Foundations of Western Civilization Preservation Project" Funded by the NATIONAL ENDOWMENT FOR THE HUMANITIES Reproductions may not be made without permission from Columbia University Library COPYRIGHT STATEMENT The copyright law of the United States - Title 17, United States Code - concerns the making of photocopies or other reproductions of copyrighted material. Under certain conditions specified in the law, libraries and archives are authorized to furnish a photocopy or other reproduction. One of these specified conditions is that the photocopy or other reproduction is not to be "used for any purpose other than private study, scholarship, or research." If a user makes a request for, or later uses, a photocopy or reproduction for purposes in excess of "fair use," that user may be liable for copyright infringement. This institution reserves the right to refuse to accept a copy order if, in its judgement, fulfillment of the order would involve violation of the copyright law. A UTHOR: SCHROEDER, THEODORE ALBERT TITLE: CULTURE AND CULTURINE PLACE: [NEW YORK] DA TE: [1 904?] COLUMBIA UNIVERSITY LIBRARIES PRESERVATION DEPARTMENT BIBLIOnRAPHIC MTrRQFQRM TAR^FT Master Negative # immrmm Original Material as Filmed - Existing Bibliographic Record Restrictions on Use: y- >. •'.-■■ 1 ' ^ 170 Albert, ; :■ 21 Schroeder, Theodore ^ 18G4- 1953. | v^X Culture and culturine, being a few wise and wick-^ ed remarks, by Theodore Schroeder... an address de-j livored before the Society for inproving the minds ' and noralo of the rich. ^Hew York? 1905?^ cover title, 12 p. IStt cm in 23^ cm. Half title. Volume of pai-phlots XcT TECHNICAL MICROFORM DATA REDUCTION RATIO: ') ?^ FILM SIZE: 2£_J?i_'^_ IMAGE PLACEMENT: lA ''lIA) IB IIB DATE FILMED:__i2__ML::i3 INITIALS '^^^ i> <' HLMEDBY: RESEARCH PI I BLICATinNg TNJC WOOnRRmnr rT c Association for Information and imago Managomont 1100 Wayne Avenue. Suite 1100 Silver Spring. Maryland 20910 301/587-8202 Centimeter 1 2 3 iiiiliiiiliiiiliiiiliiiilmiliiii I I I 4 1 5 6 7 8 9 10 11 12 13 ailimlmiliiiiliiiiliiiilMiiliiiiliiiiliiiiliiiiliiiil TTT Inches 1 2 3 4 5 1.0 Ef 1.25 23. 11 2.5 I I ^ m Ui tii, m |3A 1.4 2.2 2.0 1.8 1.6 15 mm MflNUFRCTURED TO fillM STPNDRRDS BY APPLIED IMOGE, INC. ■ A. I I n PRICE, 10 ctt. a «V' ^} fxVN-- MISSIONARY RATES ON LARGE QUANTITIES. Republished from the Truth Skeker. 71 A rf n /I "^ .s ^^ \.r^"S k "^ ' > ^? CULTURE AND CULTURINE "3 ■m: ) ft I I •^ BEING A FEW WISE AND WICKED REMARKS, BY %j THEODORE SCHROEDER, ^ OF THE NEW YORK BAR. 63 EAST 59tli ST. NEW YORK tf Ti AN ADDRESS DELIVERED BEFORE THE SOCIETY FOR IMPROVING THE MINDS AND MORALS OF THE RICH. % ! : \ ,-v_ . ._ J t'-'V v^^. ■>„t^* K^ '~^^ ^ 'tf^^ '^ U.S. DEPOSITORY. fle^ecetNational Bank -m !•■ r- Capital $ 500.000. Surplus $ 250.000. cf059 OrricKRS I $ HILLS. MMM. MOSCS TNATCMM. vk( Mn%% N S rOUaC e«»«i(a CDCAR S HIUS. aMt cm>»i Icyt and we hart found them capabls» conserratiTO aen* Their characters are irreproachable* We be- liere that any loans made or offered for sale by them would be safe inresti I ( f i A WORD TO THE WISE! The First Mortgages above referred to are as safe as Cjoverment Bonds. The security is three times the value of the , sum loaned. They will net you 6 per cent. Interest coU * lected by me without charge. These First Mortgages, in sums from $250 upwards, are for sale by me. Investigation and correspondence solicited. THEO. SCHROEDFR, J 63 East 59th St., New York City. CULTURE AND CULTURINE. BY Cnltnrine I mean the superficial evidences, un- accompanied by the reality of culture. As no one can draw a precise line between health and disease, nor between common knowledcre and science, so no one can accurately define either culture or culturine. We can only learn the symptoms by which we may detect the counterfeit when it has orotten far enoucrh away from the real to be beyond the borderland of doubt. In its last analysis true culture manifests itself most clearly when it results in the application of very great wisdom to even the smallest affairs of life. But'^this does not help us much, for the questions still remain, What is wisdom? What is an education? Prof. Huxley describes the truly cultured man when he defines an education in these words : ''Education is the instruction of the intellect in the laws of Nature, under which name I include not merely things and their forces, but men and their ways : and the fashioning of the affections and of the will into an earnest and loving desire to move in harmony with those laws. That man, I think, has had a liberal education who has been so trained in youth that his body is the ready servant of his will, and does with ease and pleasure all of the work that, as a mechanism, it is capable of ; whose intellect is a clear, cold, logic engine, with all its parts of equal strength, and in smooth working order ; ready, like a U.S. OCPOSITDRV S^9tcetNalt0nal Bank Capital $ 500.000. Surplus $ 250.000. d05Q orriccns I»HiaS. MUT. MOSCSTNATCHCM.VKtMitt Salt Lake City. Utah. July 30, 1904, TO WHOM IT EAT C05CERH: We take pleaaun mere Ut«di Loan AssooiacfT] re/erring Xo the ?ar- i^e who Ij'e , desirous of investing in seourities baaed upon ioproved feums* It was for the purpose of negotiating first moxtt* gage loans on such security that the Association wm incorporated* yor orer twenty years we hare known and done business with the officers who direct its pol- icy, and we hare found them capable, oonserratiTe Ben* Their characters are irreproachable. We be- lisre that any loans made or offered for sale by them would be safe inresti I i i A WORD TO THE WISE! The First Mortgages above referred to are as safe as Cjoverment Bonds. The security is three times the value of the , sum loaned. They will net you 6 per cent. Interest coU ^ lected by me without charge. These First Mortgages, in sums from $250 upwards, are for sale by me. Investigation and correspondence solicited. THEO. SCHROEDFR, | 63 East 59th St., New York City. CULTURE AND CULTURINE. BY Culturine I mean the superficial evidences, un- accompanied by the reality of culture. As no one can draw a precise line between health and disease, nor between common knowledge and science, so no one can accurately define either culture or culturine. We can only learn the symptoms by which we may detect the counterfeit when it has gotten far enough away from the real to be beyond the borderland of doubt. In its last analysis true culture manifests itself most clearly when it results in the application of very great wisdom to even the smallest affairs of life. But^'this does not help us much, for the questions still remain, What is wisdom? What is an education? Prof. Huxley describes the truly cultured man when he defines an education in these words : ''Education is the instruction of the intellect in the laws of Nature, under which name I include not merely things and their forces, but men and their ways : and the fashioning of the aflfections and of the will into an earnest and loving desire to move in harmony with those laws. That mant I think, has had a liberal education who has been so trained in youth that his body is the ready servant of his will, and does with ease and pleasure all of the work that, as a mechanism, it is capable of ; whose intellect is a clear, cold, logic engine, with all its parts of equal strength, and in smooth working order ; ready, like a f ■1 2 CUI.TURE AND CULTURINE. Steam engine, to be turned to any kind of work, and spin the gossamers as well as forge the anchors of the mind ; whose mind is stored with a knowledge of the great and fundamental truths of Nature and of the laws of her operations ; one who, no stunted ascetic, is full of life and fire, but whose passions are trained to come to heel by a vigorous will, the servant of a tender conscience ; who has learned to love all beauty, whether of Nature or of art, to hate all vileness, and to respect others as himself.** Other wise men tell us, that man is best educated who, having the largest store of well ordered facts, can most clearly see and most accurately describe the differ- ence between allied phenomena. Progressive increase of intelligence consists in adding to our supply of classi- fied experience, accompanied by the progressive sub- classification of phenomena, and it is manifested as real culture only by an ever refining sense of justice. To most persons a generalization conveys a concrete concept only by having it pointed out by way of illustrations. So then, that is what will now be handed out, by con- trasting the symptoms of culturine with those of the real thing. The cultured person, when not enjoying needed recre- ation, is elevatingly occupied in the study of man or nature, or in the real thinker*s interpretations of these. The victims of fake culture are ever busy hunting for new stimulents to relieve them from that boredom which accompanies a purposeless existence. Hence theaters, churches and horse races are popular. Culturine prompts people to be more concerned about 1 t CULTURE AND CULTURINE 3 the adornment of their bodies, than of their minds. The culturined are more punctilious about how you feed your face, than how you exercise your brains ; they are more concerned about your public use of a toothpick than about the public utility of your life ; they rate you more by the kind of a visiting card which announces you, than by the superior intelligence or elegance of your conversa- tion after admission. Where culture prompts the quest for new truths and human betterment, culturine develops race-horses and sky pilots. The faked ones send their daughters to ** finishing schools,** where the*' finish** is given to their last remnant of common sense, and when they graduate they usually have the ossified brain of a gnat. At best they learn only the ''purity** of pretence and the prudery of pantelettes in art. They tag after the bats of bigotry, and pride themselves on being dearie dunce- lets with a divinely appointed sphere, limited to the inci- dents of propagation and tyrannizing over the housemaid, who, in her contributions to human joy or useful labor is their superior. Those postgraduates of stupidity are *' womenly women,** who are proud that, geographically, their domain is limited to the house wherein they satisfy the husband*s animal cravings, in exchange for a living, and that area around the house within which the slops are thrown. All this they must accept because the preacher says, that the priest said, that the book says, that the prophet said, that God said, that this is the only God-given realm of woman*s usefulness. So, then, the culturined woman avoids all useful work if possible,' and scorns those who would earn a living by any more ele- 4 CULTURE AND CULTURINE. vating labor than to enter matrimony as a business offer- ing support. The religious biped adopts its creed of fake-culture as it selects its clothes. While some so cut their garments as to conceal physical deformities, many shape their religion to cover moral malformations. Others simply obey blindly the mandates of some supposed ecumenic fashion-plate. Occasionally a crack-brained fellow desires the notoriety of starting a new fad. Such be- come the freaks and dudelets of the village, or the prophets of a new gospel dispensation. Those who know least, about the conditions of well- being in this life, can always furnish the most infallible instructions for securing happiness in some other, and the culturined are willing to pay coin for these spiritual pointers on the state of the heavenly market. The church is a celestial stock exchange, the priest is its tip- ster, and its shares are all watered. So long as multitudes are foolish enough to give up a tithe of their material possessions, for heavenly crowns of imaginary glory, and spiritual harps of religious hal- lucination, there will be fakers enough to guarantee such goods, in a world where they have abolished body-execu- tion for breach of contract. Divine healers supply the cure-alls for the culturined, but not for their own mental derangement. This is proven by their preachments, but the pew-nappers never see the point, because they dont know the symptoms of either stupidity or degeneration. The confidence man who sells **green goods" to greedy suckers, appeals to the same overwhelming lust for un- CULTURE AND CULTURINE. 5 earned gain which is the stock in trade of gamblers and priests. For small cash donations the latter deliver spir- itual green-goods, redeemable in title-deeds to mansions in the skies. Those who work the spiritual confidence game help make laws to punish the other fellow, for working the wrong side of the street. Men with culturine ambitions seek applause for seem- ing what they are not. Imagining that it will be so in heaven, they give alms to secure an undeserved reputation among the angels. Those who are just or kind, only to secure a camp-stool near the great white throne, are like men who pay their small debts that later they may in- crease their permanent overdraft. Persons who profess the most certainty about their own entrance into heaven, are the most profuse in thank- ing God for not having transplanted them ; such are culturined because they don't know how to think and therefore never see the humor of such situations. Bluff is a passport to "good society'' in which bluster passes for wisdom and culturine for real culture. Such persons at times give aid and comfort to profes- sional reformers who, usually for a small consideration in cash, are helping the Almighty to improve those degen - erates created in His own image. If you have the manners of a well trained coachman, can assume the humility of a great man, combine the sycophancy of a willing beggar and the gall of a pirate, your success as a professional reformer is assured ; for now you may earn your salary, by advertising the cul- turined as philanthropists. The devotees of culturine indiscriminately employ 6 CULTURE AND CULTURINE. fakers, fools and knaves, not to educate, but to think for them, and to promote their own unjust class interests. The resultant atrophy of intellect explains why they are so often the victims of the stuflfed prophets of stultified progress. Men of culture travel to secure opportunities for inves- tigation. The culturined do the same thing to avoid being investigated. Sometimes they go abroad to escape the even worse torture of prolonged association with the people of their own set, who are only as stupid as themselves. Where scholars study foreign languages as a means of information not otherwise obtainable, the dullards study them hoping that some, even more stupid than them- selves, will mistake this evidence of opportunity for learning, as an equivalent for its achievement. Having need for even the superficial evidences of accomplishments, only for misleading ostentation, such persons are often content to study music at a correspon- dence school, and French from a phonograph. When the culturined have thus become *' linguists,'' if you speak to them of ^* etymology,'' they think it has to do with bugs ; and '' philology?" Oh ! sure, it is the sci- ence of rearing a filly. The culturined, when pressed into controversy about vital matters, use the word ** spiritual" as a shield for their ignorance. The poet uses it as a harmless and meaningless term, which, by association of ideas, arouses agreeable emotions. The mystic degenerate uses it as an unconscious designation of his disease. This meaningless word always makes a great impression CULTURE AND CULTURINE. J Upon the culturined dudines, with deep emotions and shallow minds. Human life should be measured by deeds, not years, and time not spent in the increase and elevation of hu- man joys should be counted as existence in the citadel of the dead. Those without culture value human life according to its duration of idle ease, and the extent of its ostentatious waste. The dupes to culturine are gullible only because, like thieves, they endeavor to get valuables without paying the just price. In lieu of libraries, they buy dummy books, which wholly satisfy their mental cravings. In- stead of gathering about them brilliant minds and their output, many of these afflicted ones court bedizened debauchees and their delirium. Where the cultured seek to make their own lives wor- thy, the culturined shine in the time-obscured gleam of ancestors who were without merit. They organize **The Daughters of the Duke d'Orang-outang" and '*The Sons of Duchess Chimpanzee," and consider it a mark of merit to themselves that the tree in which their ancestors swung, by their tails or necks, once cast a shadow upon some great man under it. Persons enameled with culturine still go to church, because they are too ignorant to know that it is no longer the conservator of culture. They go, not because they love God Almighty, but because they fear Goddess Grundy. Mission chapels, which are spiritual almshouses, are often maintained by culturined heiresses, as a vicarious atonement for the ancestral moral paupers who accumula- 8 CULTURE AND CULTURINE. ted their fortune. However, they are careful to atone with only a small part of the income from their ill-gotten estate. Religion is for the culturined the apotheosis of ignor- ance, since man worships only what is to him mysterious. Herbert Spencer, though very cultured, added enlight- enment to this folly, without destroying its essence. While others worship the unknown, in expectation of a post mortem introduction, Spencer gives reverent con- templation and silent adoration to the eternally unknow- able, and spells it with a capital *' U.'* Jesus said : ** Blessed are the poor in spirit, for theirs is the kingdom of heaven.'' The bellwether of the cul- turined herd is the greatest spiritual pauper on earth, therefore the kingdom of heaven is his. Persons desiring to buy corner lots must apply early to avoid the rush. Respectability is the mantle by which the culturined conceal the absence of all positive virtues and vices. When we wish to characterize a man who is neither wise nor witty, who lacks the courage to be either a reformer or a criminal, one whose inaction is alike his only virtue and his greatest known vice, such nonentities we call ** eminently respectable,'* especially if they have money enough to give influence to their otherwise inconsequen- tial, empty-headed personality, and to rent a pew in a fashionable church. Think of those whose lives have contributed to the thought or directed the activities of men. Think of Socrates, Plato, Aristotle, Jesus, Galileo, Copernicus. Shakespeare, Milton, Burns, Paine, Humboldt, Huxley, Mill, Darwin, Spencer, Ingersoll, Bell, Edison, Wundt, CULTURE AND CULTURINE. 9 Bernheim, Ribot, Haeckel, and the multitude in their class. No biographer has ever yet presumed to insult any of them with the accusation of respectability. The church's memorial window usually commemo- rates persons of culturine, whose lives were devoid of everything worth remembering. The price is paid by living relatives of the memorialized dead, because the former can shine only, and are content to shine even by such reflected twilight, and because the dull mediocrity of the family suggests no other avenue for post mortem fame. Such windows are oftenest placed in ** God's house" because admiration by envious fools, for some reason, not clear to me, is deemed more creditable than the surroundings of a rogue's gallery, and because this religious hall of fame is always open to those with little merit and much money. The culturined replace decency with diseased modesty. When this results not from mere ignorant parroting, it is the product of diseased sex-sensitiveness. This com- pels them to live lives of ostentatious ** purity," and to support vice societies— that is, societies run by preten- tious grafters with whom the manufacture of the artifi- cial and misleading evidences of ** purity " is a profitable profession. Those who live morally for a salary, by the suppression of the natural in others create a merely ver- bal purity, with its consequent accompaniment of mor- bid nastiness of thinking. This encouraged vice is the manufactured '* purity " which gives these organizations of the afflicted the name of **vice societies." Persons with an overload of culturine in their think- tank are frequently very ** pure " of eye and ear, while lO CULTURE AND CULTURINE. CULTURE AND CULTURINE. II r ii in public. However, they unconsciously plead **guilty '' as to their real moral status when they indiscreetly boast of their inability to resist even the temptation held out by a nude marble statue, and their capacity for being "insulted'* by a nude baby, painted on canvas. Persons of real culture will not get angry over these dearies, with the minds of putrid ** morality.'* We must be sorry for them when we realize that they can no more help it than can the victim of small-pox pre- vent the papular eruption. Lacking the courage of their propensities, many of the culturined secure to themselves that vicarious enjoy- ment of the lasciviousness of others, which comes to lewd minds, by an imaginative dwelling upon the salac- ity of those whose conduct induces scandal. Hence the fondness of many for gossip. As hypocrisy is the hom- age which vice pays to virtue, so the slanders of medi- ocrity are often the credentials of genius. Thus it is that to be wanting in respectability or to be denounced as ** impure'* is often but a testimonial to one's healthy- mindedness and virtue. Those who use culturette never manicure their own minds. As a qualification for ** good society," the number of your servants is of more importance than the honesty of your business methods. So it is that we have many philanthropic institutions established by the beneficia- ries of legalized theft, but not one, the whole world over, for the development of our slowly refining sense of economic justice. The beneficiaries of ** vested" wrongs have as genuine a fear of real justice as the high- wayman has for a courageous sheriff, and for the same reason. Culturine is the mask behind which ignorance is con- cealed ; it is the secretiveness of the intellectual snob- berines, whose refinement is but a thinly varnished barbarity, an ostentatious concealment of a vacuum in the space immediately under their hats. Good manners, as understood in *'good" society, seem to signify little more than that while in the chosen circle you will always employ the brazen, flippant in- sincerity of the harlot, in jollying the pin-headed snobs who dispense social favors. If, to those who are be- smeared with culturette, you speak the word ** science," they think either that you mean dexterity in boxing or that stupendous asininity miscalled Christian Science. Speak of ** social service," and they measure it by the quality of the boozy bliss which you distribute, or the quantity of circus lemonade you buy at the church fair. Being short in intellect and long in *' dough," they have no means of entertaining their friends except to supply music, meat and Mumm's. In the mind of the culturined there is no serious thought of justice, except to escape it. The world is viewed as a chess game ; our fellow humans are the things played with. Wisdom therefore consists in play- ing the game of human nature with financial advantage and idle, disgraceful ease to one's self. The only serious purpose of such a life being to exercise the greatest pos- sible cunning in the world's game of cheat, they quite sincerely (but not rationally) believe that there is a divine purpose in all creation ; therefore God made the 12 CULTURE AND CULTURINK. sucker to be worked, and those who fleece him are but relifyiously executing the Creator's design. Persons of real culture will now join in the following prayer of Prof. Huxley. *' Would that ever>' woman-child born into the world were trained to be a lady, and every man-child a gentle- man ! But then I do not use those much-abused words by way of distinguishing people who wear fine clothes, and live in fine houses, and talk aristocratic slang, from those who go about in fustian, and live in back slums, and talk gutter slang. Some inborn plebeian blindness, in fact, prevents me from understanding what advantage the former have over the latter. I have never even been able to understand why pigeon-shooting at Hurlingham should be refined and polite, while a rat-killing match in White-chapel is low ; or why 'Svhat a lark'' should be coarse, when one hears *'how awfully jolly " drop from the most refined lips twenty times in an evening. Thoughtfulness for others, generosity, modesty, and self-respect, are the qualities which make a real gentle- man or lady, as distinguished from the veneered article which commonly goes by that name." Here, then ! I propose this toast : " To Hell with the culturine of the churched and the well-born, and up with the Philistines of Science, with clear vision and plain speaking." Theodore Schroeder. 6 J East S9th St., N. V. City I I "I' ( . u. 'Aw^Dti'oatroMv, The First National Bank» OGDEN, UTAH. CAPITAL yi^vw-oB. PftoriTff ffipBOjifO. DATIQ ICCLKt, riwL |OHM PlNOIlli, CaiklM. TWOMAS D. D» VlM-PMt. JA*. ?. ■UKTON.AW^Ca^ Ogden, Utali %/l^ViQ^. To Vhon It Hay Coaoem:- The Varmers Utah Loan ABsoolatlo&t which was recently organized at LogaOt Utah» for the purpose of making and aelliag first Mortgage loans on farm property, is officered \>y men with whom we hS7e had intimate huslness relations* We hare found them honest i cOo- solentlouSf oonserratlTe men. Their extended experlenoe has made then famllar with the economic conditions prerailing here, and that they are capa"ble of grasping the situation la e-rldenoed hy the success they hare won. Ve hare no hesitancy in recommending them to the consideration of those who wish safe and profitable investments. We helieve they would not make any loans, nor offer to sell any mo safe lirrestmsnts* Yours t tgages that ax^e not entirely () A WORD TO THE WISE! The First Mortgages above referred to are as safe as Government Bonds. The security is three times the value of the sum loaned. They will net you 6 per cent. Interest col- lected by me without charge. These First Mortgages, in sums from $250 upwards, are for sale by me. Investigation and correspondence solicited. THEO. SCHROEDER, 63 East 59th St., New York City. U. «.°> Dv^ottroNv, 12 CULTURE AND CULTURINK. sucker to be worked, and those who fleece him are but relio^ionslv execntincr the Creator's desimi. Persons of real culture will now join in the following prayer of Prof. Huxley. '• Would that every woman-child born into the world were trained to be a ladv, and every man-child a irentle. man ! But then I do not use those much-abused words by way of distinoruishinji^ people who wear fine clothes, and live in fine houses, and talk aristocratic slang, from those who go about in fustian, and live in back slums, and talk gutter slang. Some inborn plebeian blindness, in fact, prevents me from understanding what advantage the former have over the latter. I have never even been able to understand why pigeon-shooting at Hurlingham should be refined and polite, while a rat-killing match in White-chapel is low ; or why ''what a lark'' should be coarse, when one hears "how awfully jolly '* drop from the most refined lips twenty times in an evening. Thoughtfulness for others, generosity, modesty, and self-respect, are the qualities which make a real gentle- man or lady, as distinguished from the veneered article w^hich commonlv goes bv that name." Here, then ! I propose this toast : '' To Hell with the culturine of the churched and the well-born, and up with the Philistines of Science, with clear vision and plain speaking." Thkodork Schrokdkr. 6 J East ^gth St., N, Y. City t j» The First National Bank« OGDEN, UTAH. CAriTAL pfOfUija^. PROflTf inipoajx). DAVIO ICCLU, PrML JOHN PlNCftlt, Cackicr. THOMAS D. DII ViM-Pml. JAS. r. BUKTON, Mi\ CMk Ogdcn, Utah 8/LS-1904. To Whoa It May Conoem:- The VarmerB Utah Loan Assoclationt which was recently organized at LogaHi Utaht for the purpoae of fflaklng and aelling first Bortgage loans on farm property, Is officered hy laen with whom we hare had intimate hualness relations* We hare found them honest, con- sclent louBi oonserratlTe men. Their extended experience has made them famllar with the economic conditions preralllng here, and that they are oapahlo of grasping the situation is cTldenoed hy the success they have won* Ws hare no hesitancy in reoommendlng them to the consideration of those who wish safe and profitable inyestments* We helleTS they would not make any loans, nor offer to sell any mo safe Inrestments* Yours tr tgages that ax*e not sntirelj A WORD 10 THE WISE! The First Mortgages above referred to are as safe as Government Bonds. The security is three times the value of the sum loaned. They will net you 6 per cent. Interest col- lected by me without charge. These First Mortgages, in sums from $250 upwards, are for sale by me. Investigation and correspondence solicited. THEO. SCHROEDER, 63 East 59th St., New York City. ^OS PiMGRCCPcuiecirr. J w Aeaorr.vici p>cst JOSCPH SCpwatOTT.V^c 7206 JAMES MN«»a.O«NiM DIRECTORS .MS PtHCtte. J W ASBOTT joscPN scoiwci>orr jamcs mack M.SBW0WNIN9 AN0(I3 r