Show n n C C C GERMAN EnMAN G MUNICIPALITIES LEND MONEY J JU Ct TIE A tOA WN DR OKE R I U u r D U AT LOW RATES OF INTEREST j jv v rv f Il r x I I Special Correspondence of the Demel ty by Frank Q G Carpenter I 1003 by Frank O Carpen Carpenter ter terL 1 this morning In a 0 pawnbrokers shop H It be bu belongs bui i longs to tha city of ot and L It loans out hundred of ot thousands tho Us 1 ands of or dollars a n year It hag haga a capital of less than u a hun hUll hundred dred Ired thousand dollars but I It borrows moro more from tha tho City Savings bank nt It 34 per cent Interest and charges about 8 per cent i to Its customers who bring ns IlS security Itches clocks furniture old clothes Bud oud everything under tho sun SUII Last year It Il made about two hundred thousand and loans louns which on the average would ba be more than one for every overy family In III IN N TIlE THE LOANING ROOMS 1 I spent some Borne time watching the tho n take In tile goods and give gle out the money mone The loaning room Is large and divided In half hult by 11 counters On one Hide arc the clerks and on the other oilier ot It the time of my visit were W re about OO men meu women and ancl children each holding a II bundle waiting to get money upon Ullon It They The were WelO lined up Ull like the a 1 theater Indol at al an un opening night Each I ach dickered with tho clerks trying to get the moat mo t for tor the tho goods AB All the articles were placed OH tho counter their value was wal estimated by bynn bynn nn appraiser who gave tile owner a check for tor the amount to be he loaned Joined Ho tok this a little further on to tho cashier who paid valli out the tho money and pavo vo him ft 1 ticket Another mon man then J took tho goods and bundled them away t Ion on u shelf sholto Tile Tho amounts were gen gent t small seldom more than a dol dolf f Many were for orono one two to or r three e 1 marks or fifty und seven J 1 t cents The fhe Interest charged was wasI I two for Cor each euch mark or one lOC half cent for Cor each cent j month This pawnshop was established sev t years ago aCO and then It Il IlI I has loaned out millions million Its loans Ill In Ills Increase s crease creage during hard times and decrease when the tho times ore are good Th j Institution Is worked for tor the benefit oC the people The Interest Is kept kepl down to the lowest rate and the articled are arc no I I valued that practically nothing Is lo lost t I The most of or the articles are redeemed Jess Jels than 10 0 per pcr cent being left letl for sale Bt nt auction The Tho auction wan wall going on In another room toom during my and I went In to watch It Il Tho room was filled with bidders and nOlI the auctioneer r knocked the tho goods oft off without delay I noticed that thy they sold Old for tor n a little bit more their valuation A dock which was marked 1250 sold for tor 3 und other things In proportion TilE THE CITY SAVINGS BANK AN This Is connected with the City Sayings bank which has hall deposits amounting to about aboul und now deposits d of ot something like 3 n year car It pays about 3 per cent and loans its Ils money out for 3 per cent and Upward tl the branch paying n per cent The bank is III not run to make money but in tho Interest of at the people It now about lS depositors and of ot these more than have deposits of oC less tes than JIG 15 have between JIB 15 nd nII 55 35 and only more than il 2 Much of ot the depositing is done by nc cuns ns of ot stamps A man cnn can buy a 1 Stamp ii for tor 10 pr less than 2 21 4 i and deposit this In tho penny penn pennys s bank balik Such stamps are saved they amount to a II mark or more i When hen they are deposited There lire are i offices all over the tho city and andI I no can put away his small change Into i the savings bank almost as easily a anto Into nto the beer saloons GERMAN SAVINGS VINOS SA BANKS DANKS Such Buch sowings banks are to be found In n nearly all the cities of ot That of Berlin has about 10 different branches Its depositors number more than nan halt half n II million and the deposits are re About Dresden has al half ns n much In n her savings lank bank bankI I and there ore a It number of ot other Ger German German man cities which have ha vo as much as 20 each eachIn In 11 addition to these city clY banks there lire are private savings banks which aie to a n certain extent e under the tho supervision ion of ot government In these the deposits a aI limited by law to marks and the Interest rate ralo IB III fixed annually by Hi board l of ot directors It ItIs ItI I Is III usually low about 3 per cent cont Jn n these bunks HO can nn bo o checked 1 out on any In one Cne day d Y but bill a It months notice must f c given for the withdrawal of oC more morl than that sum mini up to 1000 and antl six months notice for Cor larger sums THE GERMAN WAILS HELP TilE THE FARMERS I 1 have written of ot tho modern pontal service of Switzerland and fiance That Thal of ot Germany Is equally good government l hero works for tor the tho people and helps help them do their business The rhe department nil all kinds of ot express Including farm tarm prod produce prodUce uce and merchandise Th 0 me ore regu regular lar wagons for such work I see lee them thern nt nl the stations piled high with crates and baskets When I 1 came into Inlo tho big depot at L yesterday I a 11 ahen hen cackling and a luck duck quacking Dy By and by b a rooster crowed clowel and I looked about tor n farm tarm yard In the of this city of ot a n halt half million people I found U Il on the top of ot the mall wagons each of ot which was driven by a postman In uniform The fhe wagons were loaded londell with crates of duels ducks chickens and oth other other er fowls One box contained two white whitt pigeons and alii r ft dozen big IIII tur turkeys keys kos Thorn were postage stamps on the th back bnell of ot the boxes and nn I was told that they had lIal been beon sent In from tho country through the post nt at so ao much per pound I 1 took ft n photograph of ot the wagons their drivers laughing as I did no The fhe German states with the tion of at and lIlI are in the Imperial Im postal sen Ice which is isono Ison ono on nf e the largest In Europe It has hu und and about omeera It handles a billion copies of ot printed matter mattera II a n billion postal cards and about two billion bUllon letters every ever year and it dees I It at a II profit Our depart department department ment annually runs behind That Thal ot I Germany runs ahead She gives a 1 bet ter ler service than wo we do nt at a lower rate and at al the same makes a n profit plem of out of at it TUBES AS LETTER CARRIERS Berlin for tor Instance has a n pneumatic tube lube system m superior to any quick de delivery deliver livery liver s stern of New York By Dy It tell tele telegrams tellI grams I rn IllS letters let and postal cards can be besent besent sent from one on part parl of f the city to another er more quickly than by telegraph at a acost acost cost of C 6 cents a n card or 7 cents per letter lotter If It you bU pay 1 Jots cents you can have havea a prepaid anSWer This post Is 18 called the rohr or the tube post Its officers are distinguished by a It red lamp and nna andare are att to be found in all parts of ot Berlin Tho telegraph and telephones olles of ot many to the government and lind consequently their lr charges are arc lower than OUT 01 8 The rate for tOl all Germany and Is 1 cents a word that to Belgium Denmark Holland and Switzerland Is only 2 j cents You 1011 cnn can send a dispatch to Ens En land Norway or Italy for tor less than 4 cents per word and to almost any place In Europe for Cor less leslI than f 6 cents A METROPOLIS I have spent some Kome time here with Brainard H Warner Jr one of ot the and brightest men In our con can ular service Ho lie hai hils been making an Investigation of the book trade and through him I am nm able to tell you something of the tho book metropolis of Eu Europe Europe rope does more book handling than any other city In the world In proportion lion tion to Its Ill size It has SOO look book stores and publishing establishments It has hIlS almost different printing houses house and about publishing firms finns represented by It has a It book publishers exchange and clearing house and Its arrangements are such that books book are sent out dally by br the thousands tram from here to all parts of oC Germany There are retail book dealers in the empire Ll Gho Government Go as a an Express ET JS Messenger ge Hob 1 bJ tha thai Helps the Pneumatic Tube System Railroad Motions Which Cost Millions European Technical Schools How German Girls Are A re Taught to t And nd Hoto If Servants Are Trained T Some Jome German Gennan Economies Queer chool Features Which Ought to be Adopted hy by the United States II I I Ii I f T 1 I Ic c I 1 j fI I of t 11 I Jt J t Photographed for the Deseret Nan l H H H Ht HI H H Ht t l tl H t H HI 1 FRANK 0 O CARPENTER BUYING HIS TICKET FROM A SLOT MACHINE I and the book stores of ot Austria and Ger German German I man Switzerland lire are ted fed tram from here All 1111 publishers have their agents at Loin 1 lp Big and many keep full stocks of ot book on hand lIand so that they ran can orders at an hours notice There is III a regular I system of ot sending out books bools by cheap freight and express and the agents ar nr arrange range for quick delivery and make all collections They Y represent nt the tho book bookstores I stores as well as the publishers and the system I such that the tM publishers o 0 represented come Into direct contact with tho buyers buer all over over Germany and by the tho agency throw books Into something like stores About the only provision 18 I that ell 1111 books must It delivered in uI allt free trel of freight ch the Iho book lenient ei I to pay the charge from Crom to their respective stores Somo of the American firms have such agencies and It Il would pay pa nil all of ot our publishers to lo appoint such lIuch representatives I I 1 hMo have gone gOlle through the book clearing house U l Is s a II beautiful building thoroughly equipped for Cor the t e purpose e I have also visited somo of ot the chief ell let publishing establishments In Including eluding the famous Camous one of cit and Haertel They all do good work hut but In modern convenience are for far be behind h hind similar establishments In the Unit United ed cd States Slates LI LAR RAILROAD STATION Every Everyone one hero says Germany Is hav having Ita y yIng ing times It may be so 80 but tint IH III not nol delaying public Improvements Improvement The Tho city of at is planning a II rail railroad railroad road station which will cost COlt twenty mil milIon milIon Ion dollars or five fIe times as liS much as tin U new union station at al Washington Wa There ore are at present about half a II doz dozen dozen en depots These will be bl done with and this structure will wll be built buill In their place Dresden Drelden recently put up a II railroad depot dellot costing millions I 1 have already described the station at Frankfort which cost eight and amI million Berlin has a II number of fine depots Cologne has hall good railroad and eo so hove have almost all the clUes cities of ot Germany German The railroads here belong to the gov lO and they Drey are Bre very well man managed aged though not nol ns luxurious In appointments as ours The lars cars are arc af nt after ter the European fashion first second and third class The are divided Into compartments On tho better hetter trains there are lavatories but nn extra charte l made for tor the use uee of oC towel lowel and soap This Thill ls Is furnished by a ilot box You put In a 10 piece and pull out a little rag and n 1 plew pie of ot soap Boap The rag Is I too small to dry you well and the tho soap is just enough for cnn washing Tho third cla R ars have hll no such Buch ac nt accommodation Many of at them are with without without out cushioned scat eat There Is a where most of th the pas passengers 1 stand up The rates of ot first nral class are about tho same ame as out l A second class a little cheaper chell er and third and aud fourth classes very low JOW lowTHE TilE THE UBIQUITOUS SLOT BOX DOX Speaking of slot boxes they are to lO bo found Cound everywhere here of ot every kind In some of or the clUes cities you OU cnn can buy bu tickets on the elevated railroads by dropping a German Gennan nickel which means menn two and cents in the Blot alot There are slot boxes which kail IIII postal cards and slot restaurant re t where wh re you can got gat anything from a 1 thimble thimbleful ful tul ot Or e to a glass of or champagne or a of oC beer from a n chocolate cream to a slice of roast beet beef Tho of tin the clot elot machine Is II that thal It with feeing Are aro no waiters and hence no tees fees and this where one has hns hasto to pay from 2 cents to a 1 dime for tor every service amounts to tG much GERMAN ECONOMY The Tho Germans appreciate small emilII sav savings sa ings The richer among them spend a great but they the know kno Just the money goes and try to get iet the tho worth of oC It I Tho poor get gel moro more for their money monc perhaps than any other poor In Europe outside of oC the French They Ther know how to prevent pJ nl waste Jn In cooking nothing is 19 lost The crusts of ot bread and stale pieces of ot the loaf lont are a re kept to thicken the next days soup and the waste paper of ot tho poor man is kept ke l for fuel tuel German stoves are economical They are of ot and are often a It yard square and from rom six to eight t et tall Each stove Tins a a 4 rles of ot flues and a very little fuel suffices to warm it I Once hot bot It Il gives out a Ii gentle heat all day using tho of ot an on American noth nothing InS ing like that of ot the furnar Every bit bitof bitof of coal cORI Is saved and a great grf At part of that Ihal now used Is In the shape Iha of ot bri briquettes or bricks of ot coal COlli dust s m tightly pressed that they are ns as hard hartl hardas hartlas as the coal COR I Itself ond at the same time Ume clfon olan Tills This is a great busi busl business ness nel In Germany CHEAP CHEAl HOUSE SERVANTS The Germans have hae a n lx system of ot domestic sen ice than w wt ha VI In elg and oth the people live In tints so that the most of ot the work is confined to one floor Every room Is valuable and the servant usual I II I has little more morl than a to I In The mistress of at th house known H i about that being a II part of every enn German education and she watches to Iet that no food foo Is wast wasted wastel ed el The servants are Idom given the same food ns the family and among some It Il Is 18 customary to give the hired girl 1111 an nn allowance of two 1110 or three cents for her supper and let her buy it out outside side If It there Is fruit on the table It Il Ils seldom s coos out to 10 the kitchen I am much mu h Interest in the agencies here hen Fm h town has hn one or more such luch Institutions supported by b low charges upon arid em A W The charge is about 12 cents for Cor getting a servant and aud half that amount to the tho servant wire wants a 1 place The fhe laws provide that every ser ler servant vant shall have n record or passbook telling where she was born her age and previous servitude It must have the tho records record of or the places she sho has worked and the signatures signature of her former em employers employers Ing to her character Tho police must mUll stamp every overy record show showing ing that thal U H Is III correct A dollar a R week Is I n a big price for tOI a II hired girl irl and nt at ono of at tho agencies I Iwas Iwas was told that t at excellent servants could lOIl be had from to H 4 per lier month Tho rhe servants ser in these bureaus looked like Rood They were well till dr though not nol ns nil extravagantly as the thelo I class In America HOUSEKEEPING SCHOOL |