Auguste Lutaud.

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Two or three of his early school
marms had been centers of his affec-
tions, but when I first knew him, it
was a tall girl, by the name of Ida
Parrish. She was about a foot taller
than "Captain Bial," three or four
years older, and a good deal wiser in
affairs of the heart, but he loved her
with an undying love, so he said, and
swore by his blankety-blank tarry
tops'ls if he couldn't win her fair and
not very small hand he would never
wed another. Most of the girls in
high school rather made game of Bial,
he was so violent in his affections
that he appealed to their sense of the
ridiculous and they refused to take
him seriously, all but little Margaret
Maxwell, a Scotch girl of poor family,
who looked upon him as a wonder,
which indeed he was. But little Mar-
garet was beneath his notice except
that he was always ready to help her
with her algebra or Latin.

"Bial" lived in a large house, one
of the most pretentious in the beauti-
ful country village where he was
born, and in the rear of this house,
just a little way down at the foot of
the hill, flowed the beautiful Contoo-
cook river.

His uncle. Captain Abial Stanton,
bought him a boat on his thirteenth
birthday. It was a flat bottom row
boat designed so that it could not
possibly tip over. He at once organ-
ized a pirate crew and constituted
himself captain, got his little Scotch
adorer, Margaret Maxwell, to make
him a black flag, with what was sup-
posed to be a white skull and cross
bones sewed to the center of that inky
emblem. He painted his craft blood
red, and with the name Red Rover
painted on the sterm of the lurid
craft, and flying her sinister flag, he
paddled her up the calm surface of
the river.

The pirate crew and "Captain Bial"
became well, if not favorably, known
along the shores of the peaceful
stream, for they were wont to raid
apple orchards and grape trellises,
potato and sweet corn patches.
Watermelons and muskmelons disap-
peared after the Red Rover had been
sighted in the offing, but the crew-
were fairly sly and agile, and it was
seldom that "Bial's" father had to set-
tle for the depredations of his son and
his band of freebooters.

"Bial" was a brilliant scholar. I
never saw anybody who could chew
up the commentaries of the late Jul-
ius Caesar, the orations of Cicaro, and
the poetry of Virgil so easily as

"Bial,". and he was a "bear" at math-
ematics. Arithmetic, geometry and
algebra were play for him, while the
rest of us sweated and worked like
blazes over the pons asinorum and
other devilish inventions of that in-
fernal old Arab, Euclid. I used to
dream weird dreams of radicals and
x's and y's to the n'th power, and
things like those. How I hated the
man who invented Algebra. I would
have had his heart's blood, had it been
possible, in those days of my youth.

Well, we got through High School.
It was always one great comfort to
me that "Bial" could not spell. He
could do everything else, but when it
came to spelling our English language
he followed the admirable phonetic
spelling of Artemus Ward and Josh
Billings, rather than the dictionary
style of Noah Webster, and that other
old reprobate, Worcester.

He went to college after High
School was over, and at Dartmouth
distinguished himself by high stand-
ing in his classes, and mighty low
standing in his conduct.

If there was an3'thing going on that
was contrary to rules, "Bial" was in
it. Even if he didn't care to do it,
as long as it was contrary to rules,
he would do it, just for the sake of
making life more interesting for the
college authorities. He narrowly es-
caped suspension a couple of times,
but finally at the end of his two years
he gave up college for lack of finan-
cial support at home, and entered a
law office in Boston.

Bial's law course extended over a
couple of years, and at the end of
those two years he was ready to take
the Alassachusetts examination for
admission to the bar. I may add in
passing that Bial had been admitted
to a good many bars, during the two
years of his sojourn in the hub of
New England, and yet he wasn't what
one might call dissipated, quite the
contrary. He worked with feverish
energy a large part of the time then,
relaxing, he was apt to play with even
more dynamic energy, and the result
was, when he came to take the rather
stiff examination for the admission
to the Massachusetts bar, he fell sev-
eral degrees short of the necessary
requirements, and he was all at sea
about his future when suddenly Bial's
father, .A.lbert Stanton, Esq., got pneu-
monia and died after a very brief
illness, and Bial came home to settle
up his father's affairs, and decide what
was best to do.

There was only a moderate estate
to be settled, for Squire Stanton had
spent his income about as fast as he
made it, and the rather pretentious
house in which he lived carried a
rather pretentious mortgage, which
had been placed upon it when he built
it a number of years in the past when
he had visions of political eminence
that were never realized. A life in-
surance policy of $3000 left just about
enough for Bial's mother to live upon
modestly and he looked around for
something that would pay him a liv-
ing income.

^ t^J^ud^n^d^^^/iua^h^ ^

A Schoolmaster of Parts

Out of the West to attend the fun-
eral came his uncle, Steve Solden, who
was very well known in our native
town where he had won renown as a
school master who could lick any
tough boy or any collection of tough
boys that cared to mix up with him.
He was a short stocky man with very
long arms and short legs, a powerful
round body, deep in the chest and
with grand hip muscles, quick as light-
ening on his feet, and with lust of
battle in his blood, and only the fear
of God, if he had even that, in his
heart. Steve had begun at the age of
eighteen to teach tough country
schools where big boys attended in
winter and thoroughly enjoyed throw-
ing out any school teacher affected
with weak nerves and flabby muscles.
Steve was just the boy for these
schools. The first one that tried him
on, almost furnished material for the
coroner, so badly were the half dozen
or so big country boys mauled up by
the energetic Stephen. I think he
enjoyed the rough sessions that came
his way. but not for long, for in two
or three years he was so well known
all around that part of the_ country
that his coming was sufficient to
check any desire for turbulence, and
the toughest of boys ate out of his

Steve went West to visit an uncle
who lived in Topeka and from there
he found his way to the boom town
of— Muskegee, we will call it, though
that wasn't its name. Muskegee was
the center of a farming district that
was filling up rapidly with young men
who had taken up large tracts of land
and who had little money with which
to develop it. He became connected
with the Muskegee Bank, a privat:
banking institution which loaned
money to these farmers at a high rate
of interest, 10% was the lowest on
gilt edged property, first mortgage,
and most of the borrowers paid as
high as 12% when money in the East.
in savings banks, had hard work to
get 5% and depositors were lucky if
they got 4%. It was not long till
Steve was going back and forth, from
the West to the East, and taking with
him money for investment in those
Western farm mortgages through the
Muskegee Bank. He suggested that
Bial go West with him and act as the
legal agent for the bank and said Bial
to me, "I believe I will do it, old
salt." I had been one of the Red
Rover's crew and he always gave me
the nautical name of old salt. "There
isn't any chance for me here, I can t
get admitted to the bar for another
year anyway, and if I take up my
father's business here. I will have
hard work to secure the barest kind
of living. I can go out there in Kan-
sas and probably get admitted to the
bar, Steve says they are easy on bar
examinations, and I wouldn't wonder
if I'd grow up with the country, and
make some money. Anyway, I'd like
to see the West and I believe I'll try
it." And he did.

A year or so later "Bial" came
back, and he was a greatly changed

"Bial." He seemed to have broadened
in the air of the Western prairies.
He dressed like a Westerner, a long
tailed black coat, a Stetson hat with
a brim wide enough to run a foot race
around it, a flannel shirt, turned down
collar, flowing black tie. and a belt
instead of suspenders held up his
trousers. \'ery western was "Bial."
and to his collection of sea-faring
oaths, he had added a large and choice
vocabulary picked up from the plains-
men and cowboys and cattle men of
the far W'est.

For the next five or six years Bial
and his uncle Steve came back to New
Hampshire every year, and everybody
was glad to see Bial, he was the pic-
ture of prosperity. His vocabulary
of strange oaths, extensive to start
upon, widened with each year, until
it was a liberal education to hear Bial
tell a good stiff story about the hair-
raising tornadoes, grizzly bears, horse
thieves, and two gun men of the wide
and woolly West, .^nd every time he
went back and every time his uncle
Steve went back, they took with them
for investment in Western farm mort-
gages, a good bunch of "long green"
entrusted to them by the well-to-do
people of their native town. Steve
Solden had the confidence of bank
men, too, and several country savings
banks of our vicinity sent money
West in his care for investment at-
tracted by the high rate of interest.
A Financial Crash

Suddenly there came disturbing
rumors that things were not quite
right at Muskegee. Interest payments
had been delayed in their coming for
the past year and now, suddenly, they
stopped altogether and then, like
lightning out of a clouding sky, there
came a story of crime, ending in a
tragedy of suicide. The cashier of
the Muskegee Bank was found dead
in his ofliice. a bullet through his
heart. A pistol lying at his side just
under the nerveless hand that stretch-
ed down over the arm of his desk
chair told the story of his death, and
examination of the books of the hank
revealed another story of reckless
speculation and large sums of money
appropriated to the cashier's use and
of forged mortgages sent on to East-
ern investors; mortgages on property
that didn't even exist; mortgages on
property that had borrowed no money
and all the deeds bearing the forged
signature of the county clerk at Mus-
kegee. There was consternation
among the creditors of the Muskegee
Bank and in the midst of it "Bial"
was called home by the death of his
mother. He came back a very differ-
ent "Bial" from the breezy man of
the West he had been for the last
five or six years. He seemed com.-
pletely crushed and broken, as in
halting tones he told me the story
of the Muskegee Bank crash. He said
to me:

"I guess I was just a plain every
day blankety-blank fool, I don't know
anvthing about bookkeeping, they
kept me out looking over property
everywhere, but I didn't know how
nuicii money they loaned on these

farms that I went over and reported
on. Some of these farms that they
loaned thousands of dollars on were
not worth hundreds. .'Knd don't you
forget it, poor old Rollins, the cash-i
ier, was not the real guilty man
the case, he was the goat, and between
you and me and the side of the
house, I don't believe Rollins eve.-
killed himself. There were men iri
that town so crooked that a cork
screw was straight beside them. The
president and the directors of that
bank knew perfectly well what was
going on. They were all gambling in
pork and cotton, the whole bunch of
them, and they got the money
gamble with from that bank, and
when the smash came they knew that
Rollins would tell, and I am just as
sure as I am sure of anything that
he was shot there in his office and
the pistol left where he might have
dropped it. Of course I can't prove
this, but Rollins never had the nerve
to kill himself and he never got much
money out of the swindle."

"Well. Bial, how about Steve?"

"I swear I don't know," said Bial.
"I always supposed Steve was as
square as they made them, but if he
didn't know what was going on there
and him one of the directors, he must
have been as blind as a bat — as blind
as I was — and that's some blind. Any-
way, it has finished me, I am done for.
I never can show my head in this part
,of the country again, for these banks,
and these men and women here that
have sent their money out there wil
never see it again, never! I can never
come back here, again, never! And
what I am going to do, I'll be hanged
if I know! I had invested all my
mother's money in there. It wasn't
much, four or five thousand dollars,
but it's gone, and I will never see it
again, and I am pretty nearly dead
broke, and down and out, except for
a few hundred dollars I will get for
the household furniture here."

The young man was badly broker
up. He knew that it would be hard
to convince the tight-fisted New En
glanders that he didn't have gviilt\
knowledge of what was going on right
under his nose at Muskegee, but 1
firmly believed all that he told me—
that iie had no knowledge of business:
didn't have anything to do with thi
books of the bank and was a trusting
impulsive dupe of men higher up. Hi
came around again and we had ;i
long talk and he said, "If I knew
something about business I'd go intc
the Northwest where Jim Hill i.-
opening up his great Northern Rail-

"Why don't you go to business col
lege a few months?" I said. "Yo>i
learn bookkeeping and then you wil!
have some idea of financial affairs.'
The end of it was that Bial did go to j
a Western business college, in Omaha. |
I think it was. for several months, and i
then lie dropped out of sight for three |
or fciur years.

It's Love That Makes the World
Go 'Round

In our early school days when Bial,
was always madly in love with some-

^ f^:^J^u^'/i^^(ai(/iu^i/fr' ^


ody several years his senior, the
iris as a rule made fun of him, but
'le little Scotch girl, Margaret Max-
■ell, considered Bial a most romantic
nd fascinating character. The Max-
■'ells were a numerous and very poor
imily of Scotch. There were six or
ight children, a hard working mother
nd a consumptive father who worked
'l the cotton mills for rather small
ay. Margaret Maxwell was a pretty
ttle girl with dark gray eyes, plenty
f curling dark brown hair and an
ttractive form, but she had to dress
ather poorly, and the Stantons would
ave been horrified at the idea of an
■"Uiance with the Maxwell family. But
he Stantons were pretty nearly all
one, and I suppose, when '"Bial"
ame home almost broken hearted
ver his Western fiasco, he got sym-
athy and comfort from young Mar-
aret Maxwell, who had grown up a
'ery attractive woman, and one day
ilargaret Maxwell packed her little
runk and bought a ticket for some-
vrhere away up in the Northwest, "and
n the cars she lunched and lunched.
nd had her ticket punched and
lunched," until she came where "Bial"
vas, and the next we heard she was
vriting her name Mrs. Willard Stan-
on. It was an astonishing bit of
lews to the neighbors of my native
own, and most of them said it was a
''feat comedown for the Stantons to
rnarry a Maxwell but others, just as
'.'vise, said that the Maxwell family
,vas just as good as the Stantons; that
vhen it came down to brass tacks
'Bial" had gotten the best end of the

bargain. "Bial" had overcome his
scorn of women, which was never real
anyway, a fictitious scorn brought on
by his rejection by the Parrish girl
and two or three others, old enough
to laugh at him.

The Rise of Captain Bial

Captain Bial went from Omaha into
a small city of the Northwest where
James J. Hill, greatest of railroad
men, had built the Great Northern.
Now, Bial in his days at Muskegee
had learned a good deal about West-
ern real estate, and in this little city
he hung out his shingle as a real
estate agent and attorney. He bought
and sold real estate, he secured loans
on farm property, and you may be
sure he was mighty certain that the
loans went to the owners of the pro-
perty. He also wrote life insurance
and fire insurance and tornado insur-
ance and horse thief insurance. He
worked like a nailer, early and late,
week days and Sundays, and he kept
his books so he knew just exactly
"where he was at." The result of
that kind of work in the magnificent
Northwest along the line of James J.
Hill's railroads meant business suc-
cess, and in two years Bial's head was
above water and he began to buy up
real estate with the money he could
spare from his business. He had great
faith in the growth of the little city
in which he was located, and most of
his purchases were made in the sub-
urbs of that growing place. I sus-
pect that Bial was very lonesome at
times and it wasn't at all surprising

that he kept up a correspondence
with Margaret Maxwell. Anyway,
you know what happened, and I guess
Margaret didn't go West without an
invitation. From that time on it was
a constant onward march towards
comfort first, then honorable posi-
tions of councilman, alderman, city
solicitor, and finally mayor of the lit-
tle Western county seat came to Bial,
and he filled every position to the
entire satisfaction of his constituents
They rejoiced in his breezy, out-
spoken manners and his strange col-
lection of nautical, not to say naughty,
oats became household words in the
free Northwest.

Bial did not take much money West
from his naitve town, most of that
went through his uncle Steve, but
what Bial did take he paid back dol-
lar for dollar from his own fortune
as the years went by and he could
spare the money. I don't believe a
more honorable fellow ever lived than
this impulsive, hot-headed, friend of
my early youth. I heard from him
occasionally in letters full of reckless
grammar, atrocious spelling, and re-
volutionary sentiments on the sub-
jects of religion, politics, and most
everything else. The last time I
heard from him he was down in Flor-
ida where he had gone for his health,
and where he had purchased some
rather attractive building lots. As a
lawyer, as agent for others, Bial was
a failure. In business for himself, af-
ter he knew enough about bookkeep-
ing to know the real condition of his
affairs, he was a success.

third of a series of six plates of capitals by E. A. Lupfer, instructor in the Zanehan College of Penmanship, to appear
J. E. Ability to execute such letters as these comes only through hard work, but it is worth more than it costs.

,^^f3BuJ//i^d4^i^i&u:a/f!r %

Is there such a thing as natural
ability in penmanship? If so, what
is it?

Students of penmanship ask such
questions. We should like to hear
from a number of persons on the sub-
ject, whether penmen, teachers of pen-
manship or not. The consensus uf
opinion of many persons would b;
most interesting and helpful. Don't
fail to send us your opinion.

Two of the busiest and most able per-
sons in the schools of our country
who are devoting their energies to
commercial education and penman-
ship are I. R. Garbutt and A. M. Won-
nell, of the Cincinnati, Ohio, Public
Schols. Mr. Garbutt is director of
commercial education and penmanship
in the Cincinnati Schools and Mr.
Wonnell recently became assistant di-
rector. Mr. Garbutt devotes his time
to the commercial work and Mr. Won-
nell has charge of the technical super-
vision of penmanship in the entire
school system of Cincinnati. Mr.
Wonnell has specialized in penman-
ship for a number of years and his
promotion in the Cincinnati Schools
is a well deserved recognition of his
ability. There are few persons in this
country, if any, who write a more
pleasing, practical and rapid hand
than that executed by Mr. Wonnell.
It is small, easy and swift in appear-
ance, but legible to such a degree that
it is a delight to read. The pupils of
the Cincinnati schools have in Mr.
Wonnell's handwriting a penmanship
goal well worthy of their efforts.


We acknowledge receipt of a numbc-
of well written cards, as well as sev-
eral sheets of specimens, ornamental
style, from the pen of Mr. M. Col-
nienero. Box 486, San Juan, Porto
Rico. Mr. Colmenero's work is well
worth a place in the scrap book of
any penman. His writing is bold,
strong in line and dainty in touch.
We feel like encouraging an\' youn?
man who shows the determination,
perseverance and progress that Mr.
Colmenero has shown. His adver-
tisement appears elsewhere in our

J. W. Johnston, New .\rts Building,
Rochester, N. Y., manufacturer of
Snow White Ink and whose adver-
tisement appears elsewhere in our
columns, wishes the names and ad-
dresses of expert penmen who would,
like the opportunity of writing the
word "Snow White" on black cards
in thousand lots. In writing him, in
chide a sample black card with the
words .Snow White written thereon
with Snow White ink to give him s
sample of the work.

We received quite a delightful sur-
prise from F. B. Moore, of the Rider-
Moore & Stewart School, Trenton, N.
J., in the form of a set of very beau-
tiful capitals, ornamental style. Mr.
Moore being at the head of an insti-
tution that is widely known as one of
the largest and most progressive in
this country, is naturally kept very
Inisy, and we therefore think it quite
remarkable that he can swing such a
free, strong, skillful style of ornamen-
tal writing. One of the tinest and
largest buildings ever erected for a
private commercial school is now be-
ing completed for the Ride-Moore &
Stewart School.

F not acquainted with Auto Pen Work send 50c for
dozen cards. Name in colors, decorated in Diamond
iUBt, Flocks and Mctallics, Xmns cards made to order.

C.f. CHHREir, 239 Ma;

:iF^E:NI*)^lSliSHIl!l» yk^lMSii

Engraved by hand by M. Montague, Chicago FKAi(C18 B- COnfiTNKy.

, Detroit. Mich.


% ^M (t)" 0^ ^

The above alphabet by J. D. Todd.
pays the engrosser more than roundhand.

th your careful study. Probably no othe

^ t^^^^uJ//£icJS:^i(;^!fua^^ ^


r/// Y.j/o//.




\\\v>\\\vAj\\V. Cv\\\







/ /

/^ /



3y the late A. D. Taylor, the Master of Fine-Art Penmanship

^ ^^i^^ud/n^d^^/iu^i/h- ^

Required by the
Act of Congress of August 24. 1912
Of Business Educator — Students' Penmanship
Edition, published Monthly at Columbus, Ohio,
for October, 1919.
State of Ohio
County of Franklin

iSefore me, a Notary Public in and for the
state and county aforesaid, personally ap-
peared Arthur G. Skeeles, who, having been
duly sworn according to law, deposes and says
that he is the editor of The Business Educa-
tor, and that the following is, to the best of
his knowledge and belief, a true statement of
the ownership, management (and if a daily
paper, the circulation), etc., of the aforesaid
publication for the date shown in the above
caption, required by the Act of August 24,
1912, embodied in section 443, Postal Laws
and Regulations, printed on the reverse of this
form, to wit :

1. That the names and addresses of the
publisher, editor, managing editor, and busi-
ness managers are :

Name of Post Office Address

Publisher, The Zaner-Bloser Company,

118 N. High St., Columbus, O.
Editor, Arthur G. Skeeles,

118 N. High St., Columbus, O.
Managing Editor, None.
Business Manager, E. W. Bloser,

118 N. High St., Columbus, O.

2. That the owners are: (Give names and
addresses of individual owners, or, if a cor-
poration, give its name and the names and
addresses of stockholders owning or holding
1 per cent or more of the total amount of

The Zaner-Bloser Company.
E. W. Bloser 118 N. High St., Columbus, O.

E. A. Lupfer 118 N. High St., Columbus, O.

R. B. Moore 118 N. High St., Columbus, O.

Robert E. Bloser,

118 N. High St., ColMmbus, O.
Arthur G. Skeeles,

118 N. High St., Columbus, O.

3. That the known bondholders, mort-
gagees, and other security holders owning or
holding 1 per cent or more of total amount
of bonds, mortgages, or other securities are :
(If there are non, so state.)


4. That the two paragraphs next above,
giving the names of the owners, stockholders,
and security holders, if any, contain not only
the list of stockholders and security holders
as they appear upon the books of the company
but also, in cases where the stockholder or
security holder appears upon the books of the

Online LibraryAuguste LutaudThe Business Educator (Volume 25) → online text (page 14 of 40)