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THE 
 
 BUDGET SYSTEM 
 
 AND 
 
 DEPOSITORS' HANDBOOK 
 
 BY EDWIN C. HYDEN 
 
 4 
 
 CONTENTS 
 
 Page Page 
 
 Money is Power 2-3 Calendar 17 
 
 The Secret 4 Where You Start 18 
 
 Planned Procedure 5 Your Budget Records for 
 
 Salary for Home Manager . . G one year 21 to 55 
 
 Income Chart 7 Inventory Personal Property 56 
 
 Distribution Chart 8 Worth 57 
 
 Explanation Weights and Measures ... .58 
 
 Apportionment 9 Business Laws 59 
 
 Extra Income 9" Personal Memoranda 60 
 
 Record Charts 9 Automobile Record Chart ..61 
 
 Fat and Lean Periods 9 Largest Cities in U. S 62 
 
 Utility and Purpose 10 Distances Between Cities ..63 
 
 Value 10 .Parcel Post Rates 64 
 
 Obligation 10-11 Rates of Postage 65 
 
 A Man's Book ...10-61 Interest Calculations 66 
 
 Inventory and Worth Formulas and Tables 67 
 
 10-19-20-56-57 Balanced Ration Chart . . .68-69 
 
 Model Charts 11-12-13 Greater Reward 70 
 
 Monthly Segregation Chart 14-15 Home 71 
 
 Recapitulation Chart 16 Interest Chart 72 
 
 NOTE. 
 
 The Author will give $100.00 for each 
 suggestion that is adopted which tends to 
 make this book more useful. 
 
 A "Greater Reward" is pictured on page 
 70 for the ones who use this book. 
 
 Copyright 1922. 
 
 EDWIN C. HYDEN 
 
 Dayton, Ohio 
 

 1 MONEY IS POWER 
 
 Like the waters of the Great Niagara, 
 American money pours forth in abundance 
 and power. The man who saves a portion 
 of that which he receives will, in a short 
 time, find that at compound interest its 
 power is increasing with most remarkable 
 rapidity. Its ability to do his work and al- 
 low him to begin to think of ease, content- 
 ment, harmony and happiness in his latter 
 years of life, soon begins to manifest itself. 
 
 Niagara, the mighty giant of power, if 
 properly harnessed is capable of doing the 
 work of thirty million men a day. This de- 
 velopment of natural resources and other 
 similar projects, such as irrigation, recla- 
 mation, cultivation, only await the neces- 
 sary accumulation of wealth. If ten million 
 American families would make up their 
 minds to save ten percent of their income 
 for ten years, investing only on the advice 
 of their banker when five hundred or a 
 thousand dollars has been accumulated, their 
 success, and the future success of their chil- 
 dren would be assured. 
 
 Savings invested, not only works for you 
 day and night with accelerating force, but 
 buys science, invention and engineering, 
 builds homes, highways and industries, and 
 last but not least, educates your children 
 to take part in this great development. 
 
 The problem of SUCCESS and ENJOY- 
 MENT of a long life is solved by the man 
 who has grit enough to say "I will save 
 NOW while I have earning power." Don't 
 envy success enjoy it. Remember the 
 failures in life are the ones who intend to 
 save next pay day. 
 
R30S87 
 
THE N^lfttfAXlfldiftfp ptfDGET SYSTEM 
 
 * 
 
 DEPOSITORS' HANDBOOK. 
 
 WHAT IS A system of charts for recording savings 
 IT? and expenditures. 
 
 WHAT To give you a PLANNED PROCEDURE 
 
 FOR? for obtaining happiness, success and pros- 
 
 perity. 
 
 HOW? By daily USE a greater joy is experienced 
 
 in spending less and saving more. 
 
 SUCCESS IS YOURS 
 
 A PLANNED PROCEDURE assures it, when you 
 definitely and positively decide to "do or die" in order 
 to gain that which it is your right to have. The very 
 first step is to set an objective for yourself something 
 to work for because without some aim in life one does 
 not get very far. 
 
 He who intelligently plans his spending CAN SAVE 
 and that is the surest and most direct road to any ob- 
 jective, and the Secret of Success. 
 
 You may want to go into business for yourself. You 
 may want your children to go through college. You may 
 want a beautiful, well furnished home an automobile 
 and a large bank account. These are all possible to 
 him who makes a well planned start and wlgen peace, 
 confidence and security begin to grow, along with your 
 savings account from then on the way gets easier. 
 
 It has been said that the world owes every one a 
 living; true but every one owes himself a savings 
 account. Saving is easy when you systemize your 
 expenses. Governments, large business concerns, and 
 successful business men in general find it profitable to 
 use the Budget System of Expenditures, so why not 
 use it in the Home? 
 
 The use of the National Home Budget System will 
 simplify the making out of your income tax report. 
 Merely by glancing through your records and noting 
 the many items (such as gifts, etc.), which may be 
 
 4 
 
deducted, hours of hitherto hard and conscientious 
 study will be eliminated. 
 
 The National Home Budget System teaches you how 
 to be successful and will do away with periods of 
 being hard up or going through the humiliating exper- 
 ience of borrowing from your friends, or still worse, 
 borrowing at extortionate rates of interest. 
 
 The following charts, if strictly adhered to, will 
 make you happy and all worry as to how you can 
 meet your expenses will be eliminated. When your bills 
 come due you will have the money ready to pay them. 
 The first thing to do is to open a savings account at 
 some reliable bank. 
 
 Apportion your income to a definite percentage as 
 shown in the chart below. 
 
 MARRIED 
 
 SINGLE 
 
 Single people, as shown by the chart above, especially 
 sons and daughters working and living at home, should 
 be required to contribute to the general family income 
 50% of all they earn, saving 20% in their own name and 
 having a balance of 30% to be equally divided between 
 clothes and amusements. This discipline will prove 
 most advantageous to these young folks, for so many 
 boys and girls are allowed to spend practically all they 
 
earn prior to marriage then when the time conies for 
 them to maintain a home of their own, it is extremely 
 difficult for them to curb their desire to spend money 
 for unessentials. Most every one knows how to earn 
 money, but the important thing is how to spend wisely. 
 
 Save Spend Enjoy life and be happy, but be sure 
 to follow this system, until you learn how to spend. 
 
 It has been stated by expert economists that if 75% of 
 the world saved 10% of their income, no one would 
 ever know what "Hard times" meant. 
 
 The use of this system of charts, along with a 
 combination journal and ledger contained herein, will 
 enable you to keep an accurate account of your home 
 expenditures; stop the leaks, and put your home on a 
 firm foundation. It's good business try it. 
 
 SALARY FOR THE HOME MANAGER: This 
 system can readily be applied so you can employ, on a 
 commission or allowance basis, your wife (or house- 
 keeper) by making a percentage allowance of your 
 total income to the home expenses. Example: If your 
 income be $3600 per year and you do not wish to spend 
 on the home more than, say, two thirds of your income, 
 allow $2400 for your wife; give her this Home Budget 
 System to work by, allowing her whatever she can save 
 or the savings account in her own name. The balance 
 of $1200 can be used for your own investments, personal 
 expenses, club dues, presents for your wife, etc. (A box 
 of candy or a bunch of flowers occasionally is an in- 
 vestment that will pay dividends of happiness.) 
 
 The Model Daily Expense Record on page 12 is 
 self-explanatory. On pages 22-23 will be found the first 
 month's Daily Income and Expense Record Chart. 
 Twelve of these charts alternating with Obligations to 
 Meet Charts form a journal with which you may keep 
 daily records of expenditures for one year. 
 
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EXPLANATION 
 
 APPORTIONMENT. 
 
 (1) Your income, salary or wage should be divided 
 into six portions of such percentage as is indicated by 
 Circular Chart on Page 5, and distributed over such 
 expenses as you may have that are shown in Distri- 
 bution Chart on Page 8. It is not likely that any one 
 family will have all the expenses listed in this Chart. 
 The main point is to adhere as closely as possible to 
 the percentage shown, especially the savings. The 
 percentage for shelter (that is rent or home payments) 
 may vary somewhat, as for instance, if you are buying 
 a home you may cut down on your luxuries or some 
 of the so-called necessities of the higher life percentage 
 and contribute this amount to your home. 
 
 EXTRA INCOME 
 
 (2) It is also quite possible that you may have addi- 
 tional income at irregular times, such as extra work, 
 overtime, interest, dividends on investments or a bonus. 
 If you are living in accord with your Budget made up 
 from your regular income you can and (to gain your 
 great ambition) should add this total extra income 
 to your savings account. 
 
 RECORD CHARTS. 
 
 (3) The Model Daily Expense Record Chart on page 
 12 is self-explanatory. It shows how convenient and 
 easy a complete daily record of expenditures may be 
 kept. The Model Recapitulation Chart on Page 13 
 shows the monthly receipts, disbursements and balances 
 for one year. The ledger consists of one of these Charts 
 together with a monthly Segregation Chart which will 
 be found on Pages 14-15-16. 
 
 FAT AND LEAN PERIODS. 
 
 (4) This gives you a book which will enable you to 
 keep an accurate account of your home expenses for 
 one year. It will be noticed in the Recapitulation Chart 
 that the balance in the checking account grows, up to 
 certain periods, when possibly new clothes, the winter's 
 coal supply, or a vacation is needed f> then the fund 
 which has been growing is used for this purpose. 
 
 9 
 
UTILITY AND PURPOSE. 
 
 (5) The purpose of this Home Budget System is to 
 make it easier for Home-Makers to save, and still have 
 all the joys to which their income entitles them. The 
 family, using this system for a short time, will see it 
 is easy to save and still have sufficient funds for all 
 necessities and the little luxuries that make life worth 
 living. STICK TO THE PERCENTAGES don't eat 
 too much; Don't pay too much rent; Let the home man- 
 ager use this System and make the home harmonious. 
 
 VALUE. 
 
 (6) In the model records on pages 11-12-13 are 
 shown the method of keeping daily and monthly ac- 
 counts; the scrip showing the place to^ enter your 
 daily, monthly and yearly expenditures, income, bal- 
 ances, savings, etc. Most of the entries are made at the 
 end of the month, when bills are generally paid. The 
 cash or checking balance will vary with different sea- 
 sons, etc. the 4th month new spring clothes were 
 needed; in August, a vacation was taken; in September 
 no gain was made because of the purchase of the win- 
 ter's supply of coal; in November and December the 
 surplus was used for Christmas giving, etc. At no time 
 was any difficulty experienced in making the Savings 
 Deposits. All necessities were provided and $240.00 
 saved in one year. 
 
 OBLIGATIONS TO MEET. 
 
 (7) Obligations to Meet Charts (model on page 11) will 
 enable you to take care of your obligations which you know will 
 become due some time in the future, even though it be six months 
 or a year in advance, such as insurance, taxes, water rent, notes, 
 mortgages, etc. 
 
 A MAN'S BOOK. 
 
 (8) Every man will find this book an indispensable pocket 
 companion, an index to his whole financial movements, systematic- 
 ally arranged for the whole year. What man does not want to keep 
 tab on the upkeep of his auto, gas, oil, tires, etc.? See chart on 
 page 61. 
 
 INVENTORY OF WORTH 
 
 (9) On pages 19-20 will be found charts for making an in- 
 ventory of your worth today. On pages 56-57 will be found sim- 
 ilar charts for determining your worth one year from today. A 
 year's use of this book will convince you of its value. If it has 
 not been worth many times the price paid, your money will be 
 cheerfully refunded. 
 
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INVENTORY AND BALANCE SHEET SHOW- 
 ING WHAT I AM WORTH TODAY. 
 
 Date.. ..192.. 
 
 CREDIT: My Property consists 
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 I AM WORTH 
 
 
 
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 .;;;;;;::;;:;: 
 
 
 Shelter Clothing Operating 
 25% 13% 12% 
 
 
 ome such as Interest, Dividends, Commiss 
 le only. 
 
 X)OkO-<tS*)^'Ot^OOOvOi- f 
 T^iH<StSfS<ScscSriCStSfSrO "5 
 
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 55 
 
ITEMIZED HOUSEHOLD INVENTORY 
 
 Value 
 
 Value 
 
 Fiwriiture 
 
 Linen 
 
 Clothes 
 
 China Kitchen 
 
 56 
 
INVENTORY AND BALANCE SHEET SHOW- 
 ING WHAT I AM WORTH TODAY. 
 
 Date ..192. 
 
 CREDIT: My Property Consistsi 
 of 
 
 My Obligations are: DEBIT 
 
 Cash on Hand 
 
 
 
 Bills Due 
 
 
 
 Cash in Bank 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 Real Estate 
 
 
 
 
 
 
 
 
 
 Mortgage 
 
 
 
 
 
 
 
 
 
 
 
 
 Bldg. Loan 
 
 
 
 Furniture 
 
 
 
 Other Loans 
 
 
 
 
 
 
 
 
 
 Fixtures 
 
 
 
 
 
 
 
 
 
 
 
 
 Auto- Boat 
 
 
 
 Interest Due 
 
 
 
 Stocks Bonds 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 . 
 
 
 
 
 
 
 
 
 Total 
 
 
 
 Total 
 
 ,*&&. 
 
 J$fek . 
 
 
 Deduct Debit Amt. 
 
 
 
 I AM WORTH 
 
 
 
 How much has the use of the National Home Budget System 
 increased your worth? See page 20. 
 
 57 
 
WEIGHTS AND MEASURES 
 
 Troy Weight 
 
 24 grains=l pwt 12 ounces=l pound. 
 
 20 pwts.=l ounce. 
 
 Used for weighing gold, silver and jewels. 
 
 Apothecaries' Weight 
 20 grains=l scruple. 8 drams=l ounce. 
 
 3 scruples=l dram. 12 ounces=l pound. 
 
 The ounce arid pound in this are the same as in Troy weight 
 
 Avoirdupois Weight 
 
 27 11-32 gradns=l dram. 4 quarters=l cwt. 
 
 16 drams=l ounce. 2,000 lbs.=l short ton. 
 
 16 ounces=l pound. 2,240 lbs.=l long ton. 
 
 25 pounds=l quarter. 
 
 Dry Measure 
 2 pints=l quart. 4 pecks=l bushel. 
 
 8 quarts==l peck. 36 bushels=l chaldron. 
 
 Liquid Measure 
 
 4 gills=l pint. 3154 gallons=l barrel. 
 
 2 pints=l quart. 2 barrels=l hogshead. 
 4 quarts 1 gallon. 
 
 Mariners' Measure 
 
 6 feet=l fathom. 5,280 feet=l stat mile. 
 
 120 fathoms 1 cab.le'th. 6,085 feet=l naut. mile. 
 
 7J4 cable lerigths=l mile. 
 
 Misellaneous 
 
 3 inches=l palm. 18 inches=l cubit. 
 
 4 inches=l hand. 21.8 in.=l Bible cubit. 
 
 6 inches=l span. 2 Y* feet=l military pace. 
 
 Square Measure 
 
 144 sq. inches=l sq. ft. 40 sq. rods=l rood. 
 
 9 sq. feet=l sq. yard. 4 roods=l acre. 
 30J4 sq. yds.=l sq. rod. 640 acres=l sq. mile. 
 
 Surveyors' Measure 
 
 7.92 inches=l link. 4 rods==l chain. 
 
 25 links=l rod. 
 
 10 sq. chains or 160 square rods=l acre. 
 640 acres=l sq. mile. 
 36 sq. miles (6 miles sq.)=l township. 
 Cubic Measure 
 
 1,728 cubic in.=l cub ft. 128 c. ft.=l cord (wood) 
 
 27 cubic ft.=l cubic yd. 40 c. ft.=ton (shipping) 
 
 2,150.42 cubic inches=l standard bushel. 
 268.8 cubic in.=l standard gallon. 
 1 cubic foot=about four-fifths of a bushel. 
 
 Long Measure 
 12 inches=l foot. 40 rods=l furlong. 
 
 3 feet=l yard. 8 furlongs=l sta. mile. 
 
 5J4 yards=l rod. 3 miles=l league. 
 
 58 
 
BUSINESS LAWS 
 
 Principals are responsible for the acts of their agents. 
 
 Contracts made on Sunday cannot be enforced. Written con- 
 tracts concerning land must be under seal. 
 
 Notes do not bear interest unless it is so stated. 
 
 If a note is lost or stolen, the maker is not released if the 
 consideration and amount can be proved. 
 
 Demand notes are payable when presented, without grace, 
 and bear legal interest after a demand, if not so written. 
 
 An endorser on a demand note can be held only for a limited 
 time, variable in different states. 
 
 To be negotiable a note must either be made payable to 
 bearer or be properly endorsed by the person to whose order it is 
 made. 
 
 If the endorser desires to avoid responsibility, he can endorse 
 "without recourse." 
 
 Notes becoming due on Sunday or a legal holiday are, as 
 rule, payable on the day following. 
 
 A note made on Sunday, or one dated ahead of its issue, it 
 void, but it may be dated back. 
 
 If a note is altered in any way by the holder it becomes void. 
 
 A note made by a minor is void in some states and is voidable 
 on judicial decision in others. 
 
 A contract with a minor or a lunatic is void. 
 
 If a note is not paid when due, the endorsers, if any, should 
 b legally notified to be holden. 
 
 A note obtained by fraud or given by an intoxicated person 
 cannot be collected. 
 
 It is a fraud to conceal a fraud. 
 
 Signatures with a lead pencil are good in law. 
 
 The acts of one partner bind the others. 
 
 Each individual in a partnership is responsible for all the debts 
 of the firm except in the case of a special partnership. 
 
 The word "limited" in connection with firm names indicates 
 a limitation of responsibility for each member. 
 
 An agreement without consideration of value is void. 
 
 'Value received" should be written in a note, but it is not 
 necessary. When not written, it is presumed by law or may be 
 shown by proof. 
 
 A consideration is not sufficient in law if it is illegal in its 
 nature. 
 
 An endorser of a note is exempt from liability if not served 
 with notice of its dishonor within 24 hours of its non-payment. 
 
 If a letter containing notice of protest of non-payment be put 
 into the Post Office, any miscarriage does not affect the party 
 giving notice. 
 
 Notice of protest may be sent either to the place of business 
 or residence of the party notified. 
 
 A receipt for money is not legally conclusive. 
 
 59 
 
MEMORANDA 
 STOCKS, BONDS, ETC. Insurance Policies 
 
 Numbers Numbers 
 
 In case of accident notify 
 
 Name 
 
 Phone - . 
 
 Address 
 
 Property of 
 
 Name 
 Address 
 
 Weight 
 
 Height 
 
 60 
 
Make 
 Car No 
 
 Style .............. Model 
 
 License No 
 
 Engine No ..................... Cost or Investment .......... 
 
 Type Insurance ............................................... 
 
 Monthly cost to operate approximately 2% a month on invest- 
 ment, plus insurance, plus Garage, plus Gas, Oil and Tires. 
 
 MO. 
 
 Gasoline and Oil 
 
 Price Price Price 
 
 Speedo'ter 
 Reading 
 Price at Start 
 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 
 Qts. 
 
 
 
 
 
 
 
 
 
 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 
 Ots 
 
 
 
 
 
 
 
 
 
 
 
 G*1 
 
 
 
 
 
 
 
 
 
 
 3 
 
 Qts 
 
 
 
 
 
 
 
 
 
 
 
 Gal. 
 
 
 
 
 
 
 
 
 
 
 4 
 
 Of 8 
 
 
 
 
 
 
 
 
 
 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 5 
 
 Qts. 
 
 
 
 
 
 
 
 
 
 
 
 Gal, 
 
 
 
 
 
 
 
 
 
 
 6 
 
 Ots 
 
 
 
 
 
 
 
 
 
 
 
 Gal, 
 
 
 
 
 
 
 
 
 
 
 7 
 
 Ots 
 
 
 
 
 
 
 
 
 
 
 
 Gal. 
 
 
 
 
 
 
 
 
 
 
 
 Ots 
 
 
 
 
 
 
 
 
 
 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 
 Ots. 
 
 
 
 
 
 
 
 
 
 
 I r\ 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 10 
 
 Ots 
 
 
 
 
 
 
 
 
 
 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 
 Ots 
 
 
 
 
 
 
 
 
 
 
 1 O 
 
 Gal 
 
 
 
 
 
 
 
 
 
 
 Iz 
 
 Qts. 
 
 
 
 
 
 
 
 
 
 
 Note: Subtract last mo's speedometer reading from present read- 
 ing and divide by No. gal. gas. to obtain miles per gal. New tires- 
 To get mileage make special note in the Speedometer Reading Col. 
 when put on. 
 
 61 
 
FORTY-FOUR LARGEST CITIES OF 
 
 THE UNITED STATES. 
 
 New York 
 
 ..5,620,048 
 
 Jersey City 
 
 298,103 
 
 Chicago 
 
 ..2,701,705 
 
 Rochester, N. Y. . 
 
 295,750 
 
 Brooklyn 
 
 ..2,018,356 
 
 Portland, Ore. . . . 
 
 258,288 
 
 Philadelphia ... 
 
 ..1,823,779 
 
 Denver 
 
 256,491 
 
 Detroit 
 
 .. 993,678 
 
 Toledo 
 
 243,164 
 
 Cleveland 
 
 .. 796,841 
 
 Providence, R. I. . 
 
 237,595 
 
 St. Louis 
 
 .. 772,897 
 
 Columbus, Ohio . 
 
 237,031 
 
 Boston 
 
 . . 748,060 
 
 Louisville 
 
 234,891 
 
 Baltimore 
 
 .. 733,826 
 
 St. Paul 
 
 234,698 
 
 Pittsburgh 
 
 .. 588,343 
 
 Oakland, Calif. .. 
 
 216,261 
 
 Los Angles . . . 
 
 .. 576,673 
 
 Akron, Ohio 
 
 208,435 
 
 Buffalo 
 
 _. 506,775 
 
 Atlanta, Ga 
 
 200,616 
 
 San Francisco . 
 
 .. 506,676 
 
 Omaha, Neb 
 
 191,601 
 
 Milwaukee .... 
 
 .. 457,147 
 
 Worcester, Mass. 
 
 179,754 
 
 Washington, D. 
 
 C. 437,571 
 
 Birmingham, Ala. 
 
 178,806 
 
 Newark, N. J. 
 
 .. 414,524 
 
 Syracuse, N. Y. . 
 
 171,717 
 
 Cincinnati 
 
 .. 401,247 
 
 Richmond, Va. . . 
 
 171,667 
 
 New Orleans . . 
 
 .. 387,219 
 
 New Haven, Conn. 
 
 162,537 
 
 Minneapolis . . . 
 
 .. 380,582 
 
 Memphis, Tenn. . 
 
 162,351 
 
 Kansas City . . . 
 
 .. 324,410 
 
 San Antonio, Tex. 
 
 161,379 
 
 Seattle 
 
 .. 315,312 
 
 Dallas, Tex 
 
 158,976 
 
 Indianapolis . . . 
 
 .. 314,194 
 
 Dayton, Ohio 
 
 152,559 
 
 62 
 
DISTANCE BETWEEN CITIES IN 
 THE UNITED STATES. 
 
 CITY 
 
 New 
 York 
 
 Chicago 
 
 New 
 Orleans 
 
 San 
 Francisco 
 
 Atlanta, Ga. 
 
 876 
 
 733 
 
 496 
 
 2,810 
 
 Baltimore, Md. 
 
 188 
 
 802 
 
 1,184 
 
 3,081 
 
 Boston, Mass. 
 
 235 
 
 1,034 
 
 1,607 
 
 3,313 
 
 Buffalo, N. Y. 
 
 442 
 
 525 
 
 1,275 
 
 2,804 
 
 Cincinnati, Ohio 
 
 757 
 
 298 
 
 829 
 
 2,377 
 
 Cleveland, Ohio 
 
 584 
 
 357 
 
 1,092 
 
 2,636 
 
 Denver, Colo. 
 
 1,930 
 
 1,022 
 
 1,357 
 
 1,376 
 
 Detroit, Mich. 
 
 693 
 
 272 
 
 1,100 
 
 2,551 
 
 Duluth, Minn. 
 
 1,391 
 
 479 
 
 1,391 
 
 2,243 
 
 El Paso, Tex. 
 
 2,310 
 
 1,465 
 
 1,195 
 
 1,287 
 
 Galveston, Tex. 
 
 1,782 
 
 1,145 
 
 410 
 
 2,157 
 
 Helena, Mont. 
 
 2,452 
 
 1,540 
 
 2,152 
 
 1,255 
 
 Indianapolis, Ind. 
 
 825 
 
 183 
 
 888 
 
 2,462 
 
 Jacksonville, Fla. 
 
 983 
 
 1,097 
 
 616 
 
 3,098 
 
 Kansas City, Mo. 
 
 1,342 
 
 458 
 
 880 
 
 1,986 
 
 Los Angeles, Cal. 
 
 3,149 
 
 2,265 
 
 2,007 
 
 475 
 
 Louisville, Ky. 
 
 871 
 
 304 
 
 778 
 
 2,473 
 
 Memphis, Tenn. 
 
 1,157 
 
 527 
 
 396 
 
 2,439 
 
 Milwaukee, Wis. 
 
 997 
 
 85 
 
 997 
 
 2,364 
 
 Minneapolis, Minn. 
 
 1,332 
 
 420 
 
 1,285 
 
 2,101 
 
 Mobile, Ala. 
 
 1,231 
 
 929 
 
 141 
 
 2,623 
 
 New Orleans, La. 
 
 1,372 
 
 912 
 
 
 2,482 
 
 New York, N. Y. 
 
 
 912 
 
 1,372 
 
 3,191 
 
 Ogden, Utah 
 
 2,405 
 
 1,494 
 
 ,891 
 
 786 
 
 Omaha, Neb. 
 
 1,405 
 
 493 
 
 ,080 
 
 1,786 
 
 Philadelphia, Pa. 
 
 91 
 
 821 
 
 ,281 
 
 3,100 
 
 Pittsburgh, Pa. 
 
 444 
 
 468 
 
 ,142 
 
 2,747 
 
 Portland, Me. 
 
 350 
 
 1,149 
 
 ,722 
 
 3,428 
 
 Portland, Ore. 
 
 3,204 
 
 2,292 
 
 2,746 
 
 722 
 
 San Antonio, Tex. 
 
 1,943 
 
 1,204 
 
 571 
 
 1,911 
 
 San Francisco, Cal. 
 
 3,191 
 
 2,274 
 
 2,482 
 
 
 Seattle Wash. 
 
 3,151 
 
 2,239 
 
 2,931 
 
 957 
 
 St. Paul, Minn. 
 
 1,322 
 
 410 
 
 1,275 
 
 2,091 
 
 St. Louis, Mo. 
 
 1,065 
 
 284 
 
 699 
 
 2,199 
 
 Toledo, Ohio 
 
 705 
 
 244 
 
 1,040 
 
 2,523 
 
 Washington, D. C. 
 
 228 
 
 790 
 
 1,144 
 
 2,069 
 
 63 
 
PARCEL POST RATES. 
 
 First Ea. add. 
 
 Zone of Distances lb. Ib. 
 
 City and rural delivery $0.05 $0.00>4 
 
 Within 50 miles, 1st zone 05 .01 
 
 50 to 150 miles, 2d zone 05 .01 
 
 150 to 300 miles, 3d zone 06 .02 
 
 300 to 600 miles, 4th zone 07 .04 
 
 600 to 1,000 miles, 5th zone 08 .06 
 
 1,000 to 1,400 miles, 6th zone 09 .08 
 
 1,400 to 1,800 miles, 7th zone 11 .10 
 
 * 1,800 miles and over, 8th zone . . .12 .12 
 "Includes non-contiguous possessions. 
 
 Restrictions 
 
 Four ozs. or under, Ic per oz. Over 4 ozs. 
 considered 1 pound. Fractional pounds consid- 
 ered pounds. 
 
 NOTE Local delivery within first and second 
 zones, weight limit, 50 pounds; balance zones, 
 20 pounds. 
 
 Books over 8 ozs. carried at parcel post rates ; 
 under 8 ozs., Ic for each 2 ozs. 
 
 64 
 
RATES OF POSTAGE. 
 
 For United States, Alaska, Cuba, Porto Rico, Hawaii, Guam, 
 Tutuila and Phillippine Islands 
 
 First-Class Matter, two cents an ounce. Letters and 
 all other written matter (whether sealed or not), except- 
 ing manuscript copy accompanying proof-sheets, also all 
 matter sealed, 2 cents an ounce, excepting drop letters 
 at NON-CARRIER offices, 1 cent an ounce. Postal 
 cards Ic each. Return cards, 2c each. 
 
 Second Class, one cent for four ounces, Newspapers 
 and periodicals, published quarterly and oftener, and en- 
 tered as second-class matter. Publishers' rate, Ic a 
 pound. The general public pay by affixing stamps at 
 the rate of Ic for each 4 ounces or part thereof, when 
 not sealed. 
 
 Third Class, one cent for two ounces. Books, (print- 
 ed, not blank) circulars, other printed matter, proof- 
 sheets and manuscript copy accompanying same, photo- 
 graphs, catalogs, valentines, sheet music, chromos, post- 
 ers, lithographs and printed advertising matter, all, 
 when not sealed, 1 cent for 2 ounces, or fraction there- 
 of. No writing allowed. 
 
 Sealing. Any matter is regarded as sealed when it is 
 not so wrapped as to allow of a thorough examination 
 without in any way injuring the wrapper. 
 
 Registration. First, third and fourth-class matter 
 may be registered at any Post Office. The fee is 10 
 cents in stamps in addition to the regular postage. 
 
 Special Delivery (extra, in addition to regular post- 
 age), ten cents. 
 
 Postal Money Orders. Sums not exceeding 
 
 $2.50 3c $20.00 lOc $50.00 18c 
 
 5.00 5c 30.00 12c 60.00 20c 
 
 10.00 8c 40.00 15c 75.00 25c 
 
 $100.00 30c 
 
 65 
 
INTEREST CALCULATIONS. 
 
 RULE Multiply the principal by as many one-hundredths as there 
 are days, and then divide as follows: 
 
 Per cent 4 5 6 7 8 9 10 12 
 
 Divide by 90 72 60 52 45 40 36 30 
 
 EXAMPLES Interest on $100 for 90 days at 5 per cent: 100 x .90= 
 9.00 divided by 72=1.25; one dollar and 25 cents; on $1 for 30 days at 6 
 per cent: 1 x .30= .300, divided by 60= .005 (5 mills). 
 
 TABLE Showing the number of days from any day in one month to 
 the same date in any other month. 
 
 From To 
 
 Jan. 
 
 Feb. 
 
 Mch. 
 
 April 
 
 May 
 
 June 
 
 January 
 
 365 
 
 31 
 
 50 
 
 90 
 
 120 
 
 151 
 
 February 
 
 334 
 
 365 
 
 28 
 
 59 
 
 89 
 
 120 
 
 March 
 
 306 
 
 337 
 
 365 
 
 31 
 
 61 
 
 92 
 
 April 
 
 275 
 
 306 
 
 334 
 
 365 
 
 30 
 
 61 
 
 May 
 
 245 
 
 276 
 
 304 
 
 335 
 
 365 
 
 31 
 
 June 
 
 214 
 
 245 
 
 274 
 
 304 
 
 334 
 
 365 
 
 July 
 
 184 
 
 215 
 
 243 
 
 273 
 
 304 
 
 335 
 
 August 
 
 153 
 
 184 
 
 212 
 
 243 
 
 273 
 
 304 
 
 September 
 
 122 
 
 .153 
 
 181 
 
 212 
 
 242 
 
 275 
 
 October 
 
 92 
 
 123 
 
 151 
 
 182 
 
 212 
 
 243 
 
 November 
 
 61 
 
 92 
 
 120 
 
 151 
 
 181 
 
 212 
 
 December 
 
 31 
 
 62 
 
 90 
 
 121 
 
 151 
 
 182 
 
 From To 
 
 July 
 
 Aug. 
 
 Sept. 
 
 Oct. 
 
 Nov. 
 
 Dec. 
 
 January 
 
 181 
 
 212 
 
 243 
 
 273 
 
 304 
 
 334 
 
 February 
 
 150 
 
 181 
 
 212 
 
 242 
 
 273 
 
 303 
 
 March 
 
 122 
 
 153 
 
 184 
 
 214 
 
 245 
 
 275 
 
 April 
 
 91 
 
 122 
 
 153 
 
 183 
 
 214 
 
 244 
 
 May 
 
 61 
 
 92 
 
 123 
 
 153 
 
 184 
 
 214 
 
 June 
 
 31 
 
 62 
 
 92 
 
 122 
 
 153 
 
 183 
 
 July 
 
 365 
 
 30 
 
 61 
 
 92 
 
 123 
 
 153 
 
 August 
 
 334 
 
 365 
 
 31 
 
 61 
 
 92 
 
 122 
 
 September 
 
 303 
 
 334 
 
 365 
 
 30 
 
 61 
 
 91 
 
 October 
 
 273 
 
 304 
 
 335 
 
 365 
 
 31 
 
 61 
 
 November 
 
 242 
 
 273 
 
 304 
 
 334 
 
 365 
 
 30 
 
 December 
 
 212 
 
 243 
 
 274 
 
 304 
 
 335 
 
 365 
 
 EXAMPLE How many days from May 5th to October 5th? Look 
 for May at left hand and October at the top; in the angle is 153. In Leap 
 Year add one day if February is included. 
 
 TABLE Showing the time in which a sum will double itself at the 
 following rates of interest. 
 
 Rate 
 
 Simple Interest 
 
 Compound Interest 
 
 2 per cent 
 3 per cent 
 4 per cent 
 5 per cent 
 6 per cent 
 8 per cent 
 10 per cent 
 
 50 years 
 33 years, 4 months 
 25 years 
 20 years 
 16 years, 8 months 
 12 years, 6 months 
 10 years 
 
 35 years, 1 day 
 23 years, 164 days 
 17 years, 246 days 
 14 years, 75 days 
 11 years, 327 days 
 9 years, 2 days 
 7 years, 100 days 
 
 66 
 
FORMULAS AND TABLES. 
 
 To find diameter of a circle multiply circumference by 
 .31831. 
 
 To find circumference of a circle multiply diameter by 
 3.1416. 
 
 To find area of a circle multiply square of diameter by 
 .7854. 
 
 To find surface of a ball multiply square of diameter 
 by 3.1416. 
 
 To find side of an equal square multiply diameter by 
 .8862. 
 
 To find cubic inches in a ball multiply cube of diam- 
 eter by .5236. 
 
 Doubling the diameter of a pipe increases its capac- 
 ity four times. 
 
 Double riveting is from 16 to 20 per cent stronger than 
 single. 
 
 One cubic foot of anthracite coal weighs about 53 
 pounds. 
 
 One cubic foot of bituminous coal weighs from 47 to 
 50 pounds. 
 
 One ton of coal is equivalent to two cords of wood for 
 steam purposes. 
 
 A gallon of water (U. S. Standard) weighs 8^ pounds 
 and contains 231 cubic inches. 
 
 There are nine square feet of heating surface to each 
 square foot of grate surface. 
 
 A cubic foot of water contains 7j4 gallons, 1,728 
 cubic inches, and weighs 62 T / 2 pounds. 
 
 Each nominal horse power of a boiler requires 30 to 
 35 pounds of water per hour. 
 
 To sharpen dull files lay them in dilute sulphuric acid 
 until they are eaten deep enough. 
 
 A horse power is equivalent to raising 33,000 pounds 
 one foot per minute, or 550 pounds one foot per sec- 
 ond. 
 
 The average consumption of coal for steam boilers is 
 12 pounds per hour for each square foot of grate sur- 
 face. 
 
 To find the pressure in pounds per square inch of a 
 column of water, multiply the heights of the column in 
 feet by 434. 
 
 67 
 
CHART FOR SELECTING A 
 "BALANCED RATION" 
 
 The selection of a "balanced ration" from the chart on 
 opposite page can be made, so that; one can live within 
 their means, and at the same time "Eat and grow fat," 
 or "Eat and grow thin." 
 
 In general the average adult person to maintain their proper 
 weight according to their height, should consume between 2,400" 
 and 3,600 calories every 24 hours. 
 
 The term "bal- 
 anced ration" 
 means the adjust- 
 ment of nutrients 
 in the food in 
 such a way as to 
 secure complete 
 and perfect nutri- 
 tion without load- 
 ing the body with 
 an excess of any 
 one element. This 
 is also an impor- 
 tant point on the 
 score of economy. 
 A large percent- 
 a g e of all the 
 earnirigs of man is 
 expended for food 
 products, and 
 hence these prod- 
 ui c t s should b e 
 used in a manner 
 
 to secure the best results possible. If, by a practice of scientific 
 nutrition 10% of the value of foods could be saved, it would 
 create a fund, which, could it be utilized, would minister in the 
 highest degree to the comfort and welfare of the human family 
 and form an abundant pension' for old age. The term calory is 
 used to denote the amount of heat forming material contained in 
 one unit weight of a food product. Harvey Wiley. 
 
 It should be noted, while a pound of any certain food may 
 contain more calories than a pound of some other food ; that 
 doesn't mean' it is more valuable. Milk is considered by many as 
 the most perfect single food item, and the chart shows it to have 
 a low calory value compared with other food. Therefore a great 
 deal of study and experimenting is necessary to balance a ration 
 to fit each particular person's need. But the chart on opposite 
 
 Eage should be useful inasmuch as it shows the percentage of fat 
 Dund in various food and as a general rule fat people are fond of 
 food in which this percentage runs high and thin people eat spar- 
 ingly of this same food. 
 
 WHAT A 
 
 WOMAN WHAT A MAN 
 
 SHOULD 
 
 WEIGH: 
 
 SHOULD 
 
 WEIGH: 
 
 4 Ft. 
 
 10 in. 
 
 108 Lbs. 
 
 5 Ft. 
 
 1 in. 
 
 120 
 
 Lbs. 
 
 4 " 
 
 11 " 
 
 112 " 
 
 5 " 
 
 2 " 
 
 125 
 
 M 
 
 5 " 
 
 " 
 
 114 " 
 
 5 " 
 
 3 " 
 
 130 
 
 " 
 
 5 ' 
 
 1 " 
 
 118 " 
 
 5 " 
 
 4 " 
 
 135 
 
 M 
 
 5 ' 
 
 2 " 
 
 123 " 
 
 5 " 
 
 5 " 
 
 141 
 
 " 
 
 5 ' 
 
 3 " 
 
 126 " 
 
 5 " 
 
 6 " 
 
 145 
 
 " 
 
 5 ' 
 
 4 
 
 129 " 
 
 5 " 
 
 7 " 
 
 150 
 
 " 
 
 5 ' 
 
 5 " 
 
 133 " 
 
 5 " 
 
 8 " 
 
 154 
 
 M 
 
 5 ' 
 
 6 " 
 
 137 " 
 
 5 " 
 
 9 " 
 
 159 
 
 M 
 
 5 " 
 
 7 " 
 
 142 " 
 
 5 " 
 
 10 " 
 
 164 
 
 < 
 
 5 " 
 
 8 " 
 
 146 " 
 
 5 " 
 
 11 " 
 
 169 
 
 " 
 
 5 " 
 
 9 " 
 
 150 " 
 
 6 " 
 
 " 
 
 175 
 
 " 
 
 5 " 
 
 10 " 
 
 154 " 
 
 6 " 
 
 1 " 
 
 181 
 
 " 
 
 5 " 
 
 11 " 
 
 158 " 6 " 
 
 2 " 
 
 188 
 
 " 
 
 68 
 
AVERAGE COMPOSITION OF COMMON FOOD PRODUCTS. 
 U. S. DEPT. OF AGRICULTURE, BULLETIN NO. 142. 
 
 FOOD 
 
 u 
 
 "rt T3 
 > v- C 
 "^ <u 3 
 
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 13 PH 
 3 
 ft 
 Cal- 
 ories 
 
 <u 
 1 
 
 <L> 
 
 K 
 
 % 
 
 i* 
 
 <u 
 
 rt 
 
 % 
 
 g 
 
 '53 
 
 1 
 % 
 
 1 
 % 
 
 en 
 
 62 
 
 S2 
 
 rtT3 
 
 u 
 % 
 
 'en 
 < 
 
 % 
 
 Meats 
 
 Beef 
 
 1135 
 
 20 8 
 
 43 8 
 
 13.9 
 
 21.2 
 
 
 0.8 
 
 Veal . . 
 
 745 
 
 21 3 
 
 52 
 
 15.4 
 
 11.0 
 
 
 0.8 
 
 Mutton 
 
 1770 
 
 9 9 
 
 39 
 
 13 8 
 
 36 9 
 
 
 6 
 
 Lamb 
 Fresh Pork 
 
 1075 
 1450 
 
 19.1 
 
 12. 4 
 
 45.5 
 44.9 
 
 15.4 
 12.0 
 
 19.1 
 29.8 
 
 
 0.8 
 0.7 
 
 Salt Pork. . 
 
 3555 
 
 
 7.9 
 
 1.9 
 
 86.2 
 
 
 3.9 
 
 Ham 
 
 1635 
 
 13 6 
 
 34 8 
 
 14 2 
 
 33 4 
 
 
 4.2 
 
 Bacon. . 
 
 2715 
 
 7 7 
 
 17 4 
 
 9.1 
 
 62.2 
 
 
 4.1 
 
 Sausage . . . 
 
 2075 
 
 
 39 8 
 
 13.0 
 
 44.2 
 
 1.1 
 
 2.2 
 
 Poultry 
 
 Goose 
 
 1475 
 
 17 6 
 
 38 5 
 
 13 4 
 
 29 8 
 
 
 7 
 
 Turkey 
 
 1060 
 
 22 7 
 
 42 4 
 
 16 1 
 
 18 4 
 
 
 8 
 
 Chicken 
 Fish 
 Halibut 
 Shad 
 
 305 
 
 475 
 380 
 
 41.6 
 
 17.7 
 50 1 
 
 43.7 
 
 61.9 
 35 2 
 
 12.8 
 
 15.3 
 9 4 
 
 1.4 
 
 4.4 
 4.8 
 
 
 0.7 
 
 0.9 
 0.7 
 
 Canned Salmon 
 
 915 
 
 
 63 5 
 
 21.8 
 
 12.1 
 
 
 2.6 
 
 Cod 
 
 220 
 
 29 9 
 
 58.3 
 
 11.1 
 
 0.2 
 
 
 0.8 
 
 Mackerel 
 
 370 
 
 44 7 
 
 40 4 
 
 10 2 
 
 4 2 
 
 
 0.7 
 
 Dairy Products 
 
 Eggs . . 
 
 635 
 
 11 2 
 
 65.5 
 
 13.1 
 
 9.3 
 
 
 0.9 
 
 Butter. . . . 
 
 3410 
 
 
 11.0 
 
 1.0 
 
 85.0 
 
 
 3.0 
 
 Milk. . 
 
 310 
 
 
 87 
 
 3 3 
 
 4.0 
 
 5.0 
 
 0.7 
 
 Cheese . 
 
 1885 
 
 
 34.2 
 
 25.9 
 
 33.7 
 
 2.4 
 
 3.8 
 
 Bread 
 
 Wholewheat 
 Graham. . . . 
 
 1650 
 1645 
 
 
 11.4 
 11 3 
 
 13.8 
 13.3 
 
 1.9 
 
 2.2 
 
 71.9 
 71.4 
 
 1.0 
 1.8 
 
 White 
 
 1635 
 
 
 12.0 
 
 11.4 
 
 1.0 
 
 75.1 
 
 0.5 
 
 Rye .. 
 
 1620 
 
 
 12 9 
 
 6 8 
 
 0.9 
 
 78 7 
 
 0.7 
 
 Sugar 
 
 Granulated 
 
 1750 
 
 
 
 
 
 100 
 
 
 Vegetables 
 
 Beans 
 Peas 
 
 1520 
 1565 
 
 
 12.6 
 9 5 
 
 22.5 
 24 6 
 
 1.8 
 1 
 
 59.6 
 62 
 
 3.5 
 2.9 
 
 Potatoes 
 
 295 
 
 20 
 
 62 6 
 
 1 8 
 
 0.1 
 
 14.7 
 
 0.8 
 
 Corn 
 Fruits 
 
 Apples. . 
 
 430 
 190 
 
 25 
 
 76.1 
 63 3 
 
 2.8 
 3 
 
 1.2 
 0.3 
 
 19.0 
 10.8 
 
 0.9 
 0.3 
 
 Bananas 
 Grapes 
 
 260 
 295 
 
 35.0 
 25 
 
 48.9 
 58 
 
 0.8 
 1 
 
 0.4 
 1 2 
 
 14.3 
 14 4 
 
 0.6 
 
 0.4 
 
 Nuts 
 
 Peanuts 
 
 1775 
 
 24.5 
 
 6.9 
 
 19.5 
 
 29.1 
 
 18.5 
 
 1.5 
 
 Coconut. 
 
 2865 
 
 
 3 5 
 
 6 3 
 
 57 4 
 
 31.5 
 
 1.3 
 
 Almonds 
 
 1515 
 
 45 
 
 2 7 
 
 11.5 
 
 30.2 
 
 9.5 
 
 1.1 
 
 English Walnuts. . . 
 Pecans 
 Miscellaneous 
 Chocolate 
 
 1250 
 1465 
 
 5625 
 
 58.1 
 53.2 
 
 1.0 
 1.4 
 
 5 9 
 
 6.9 
 
 5.2 
 
 12 9 
 
 26.6 
 33.3 
 
 48 7 
 
 6.8 
 6.2 
 
 30 3 
 
 0.6 
 0.7 
 
 2.2 
 
 Cereal Coffee 
 Genuine Coffee. . . . 
 
 30 
 
 
 98.2 
 100 
 
 0.2 
 
 
 1.4 
 
 0.2 
 
 Practically no nutrients in genuine coffee. 
 
 69 
 
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