How To Get You Free Credit Report Immediately

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Since September of 2005 you are entitled to a free credit report as a citizen of the United States. The Federal Fair Credit Reporting Act has been amended and now states that each consumer credit reporting agency, which are Transunion, Equifax, and Experian, provide to you a free credit report gov (freescorereportgov.com) once every 12 months. So don’t let any of the credit reporting agencies scam you into buying something to access your free annual credit report. You will have to give them your name, social security number, address, and date of birth to get your free credit report.

The credit agencies have some very misleading advertisements which can easily get you signed up for a paid service if you are not careful. There are many of these types of advertisements out there so don’t let them get you signed up for something you don’t want just to get your free credit report. Your free annual credit report is only accessible from one website online that is legitimate. The address to that website is annualcreditreport.com. If you are not careful and misspell the websites address you could easily be misdirected to a website that offers free credit reports only to get you to buy some other product.

As an alternative to ordering online the three nationwide consumer reporting agencies have set up one central toll-free telephone number, and mailing address through which you can order your free annual credit report. To order your free credit report call 877-322-8228, or complete the Free Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Remember not to contact any of the three reporting agencies directly to get your free credit report. They will not provide you with the free annual credit report.

You will have to verify information that is contained in your credit file in order to get your free credit report. Each of the three nationwide consumer reporting agencies require you to do this for security. You will be asked to verify information such as the year you took out a mortgage or possibly how much you borrowed. Since each agency obtains their information from different sources each will more than likely ask you different questions. You may be asked to purchase a product or a service but you are not required to in order to get your free annual credit report.

If you want to see your free credit report right away than you need to order your free annual credit report through the website. Be sure to answer each one of the security questions accurately or you will be denied immediate access to ensure the security of your file. If that were to happen than the reporting agency will mail your free annual credit report. Your free credit report will be mailed within fifteen days of the agencies receiving your request whether or not it was by phone or mail.

If you have already received your free credit reports and need another before the 12 month period is over you may still be able to get another free credit report. Under federal law, you’re entitled to a free credit report if a company takes adverse action against you such as denying your application for credit and you ask for your report within 60 days of receiving notice. You are also entitled to a free credit report if you are the victim of identify theft and place a fraud alert in your file, your file contains inaccurate information as a result of fraud, you are on public assistance, or you are unemployed but expect to apply for employment within 60 days.

Here is the contact information for the three nationwide credit reporting agencies: * TransUnion: 800-916-8800; http://www.transunion.com * Experian: 888-EXPERIAN (888-397-3742); http://www.experian.com * Equifax: 800-685-1111; http://www.equifax.com You can contact them directly to purchase a credit report if none of the free credit report options are available to you. They charge approximately ten dollars each for your credit report.

Don’t get ripped off by credit repair companies or buy impractible credit repair guides, Get a free copy of the highly acclaimed Credit Secrets Mini Book and more information on free credit report or free Annual credit report

Get Free Credit Report -Report From All 3 Bureaus 100% Free

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It is important to be aware about your credit score before looking to apply for mortgage or availing the facility of credit card. It is really a good idea to verify credit rating from different credit bureaus at different period of time in order to secure the identity, which can be very beneficial in preventing identity theft. Identity theft is possible when unknown person pulls out the credit report of individual for different reasons such as taking mortgage or availing credit card services which can ruin the credit rating of the victim if the accused person makes irregular payments on mortgage or credit card existing debts.

Free credit report gov (freescorereportgov.com) provides all the details to the people regarding their credit status in the market after taking into consideration all the transactions.These transactions are related to the credit taken by the borrowers for their personal as well as commercial purposes.

The credit reports are usually provided by credit bureaus to all the financial institutions, banks, mortgage lenders of different lending institutions, credit card companies, who deal with people on the basis of their creditworthiness.

The report can be accessed by the individual if he is not working from last 60 days or looking to join somewhere professionally in next 30-45 days. The person need to apply for free credit report if his credit rating is very poor or marginal.

The people are provided with mortgage, credit cards and many other facilities on their basis of their credit report in the market.Availing the service of free credit report results in continuous credit inspection of the people,which results in avoiding bad credit report in the market.

Credit status can be accessed from any of the main credit bureaus available in the market, which are Experian, Equifax and TransUnion after every financial year. This can ensure the individual that there correct credit report has been provided to different banks, financial institutions and prominent mortgage lenders in exact relation to their financial strength.

The report also protects the people from theft of their identity in the city, avoiding any sort of mis happening.

There are many credit check programs,which are arranged for the people in the country to get provided with free credit report. All the major credit reporting organizations mainly credit bureaus launch their website along with their toll free number and mailing address of credit bureaus.Consumer need to request the report from three different credit bureaus at the same time or some different scenarios according to the requirement.

The free credit report is provided to the consumers at that point of time if they apply for their credit scores instantly at their respective websites of specific credit bureau. Applicants have to be cautious regarding their typing mistakes, which can lead to expenses. It is because of providing the information in the wrong website related to free credit report status,that individuals get charged for credit report which is actually free.

There are many people who can apply for free credit report over the toll free number or mailing them at the provided address, it takes at least 15 days of time, which is provided on the basis of time period required by the credit bureaus to extract the credit detail of each applicant.

Get Your Free Credit Report Now !!

Visit http://www.consumercreditrepairsecrets.com/Credit-Repair/

How To Get Your Free Annual Credit Report

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Unfortunately along with the holiday season usually comes an increase in credit card fraud and identity theft, so right after the holidays is a great time to check your credit report. The following article will show you why, when and how to check your free annual credit report gov (freescorereportgov.com) .

Why you should check your credit report

* to check for errors
* to check for fraud and identity theft
* to get the best interest rates
* more and more people are relying on credit scores – car insurance, employers, etc.

When to check your credit report:

* Once a year if you have good credit and don’t anticipate any large purchases in the near future
* Before a major purchase, such as a new home, new car, etc. – should request your credit report 6 months ahead of a big purchase so you have time to correct any errors
* If you’ve been denied a credit card, loan or other product or service because of your credit (you are entitled to a free credit report if you have been denied credit based on information found in your report)
* If you suspect that your identity has been stolen
* If you are starting a plan to get out of debt or repair your credit.

How to check your credit:

There are three credit reporting agencies (Equifax, Experian and TransUnion), and they are required to provide you with one free credit report each year. The three agencies do not always share the same information, so it’s important to check all three.

You can order all three credit reports at one time, but it may be a better idea to check one company one month, wait a few months, then check another company, then the third company a few months later. This way you are getting three free credit reports a year, and you are checking several times a year, so you are more likely to catch errors and/or fraud.

Go to www.annualcreditreport.com to request your free credit report online. This is the only authorized source for consumers to check their credit report online for free. There are commercials and websites for other companies who claim to offer your credit report online for free, but they are generally selling a service or they are a scam.

In addition, you can call 1-877-322-8228, or you can write for your free credit report at: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

Finally, you can purchase a 3-in-1 report, which is basically getting all three reports from each of the credit bureaus. This is a good idea if you have never requested your credit report before, or if you suspect fraud. You can purchase your 3-in-1 credit report at www.myfico.com.

Regardless of what time of year it is, it’s important to check your credit report periodically to make sure there are no errors and that you have not become a victim of identity theft or fraud.

But it’s even more important to check your credit report right after the holidays to make sure that you didn’t become a victim of fraud during the busiest shopping days of the year.

Kristine A. McKinley, CPA, Certified Financial Planner, teaches individuals and families how to invest and plan for retirement, college, and other financial goals. For more tips on boosting your credit score, getting out of debt, and more, please visit http://www.financialtipsforwahms.com

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View Your Credit History

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Financial stability is a state that is desired by nearly all persons in the world. But there comes a time when one is broke as dead and needs an alternative source of income thus using credit as the last resort. But do you know it is not that easy to be awarded credit? Many considerations have to be put in place. Take a look:

Credit Report
It is a clear record showing a person’s credit history from different institutions including banks, the government, credit companies and collection agencies. It always has information relating to
• Credit limit
This is the maximum amount of credit to be ever awarded
• payment history
It shows how one has been honoring his debts.
• date of account opening
This shows when the credit relationship was started basically to determine how long one has been operating a credit account.
• Activeness of the account
To show whether the account is active or not.
• Current balance
It shows the current balance of an account.
After keenly assessing your annual credit report or free credit report gov once an year the credit agencies are able to calculate ones credit score. So what is a credit score?

Credit Score

There are numerous mathematical operations that a credit report will be subjected to and the result of this operations gives a three digit number called credit score. From the credit score essential information is obtained which really assists when awarding credit. This includes:
• the number of years you have had credit
• from the credit available how much is currently in use
• are there cases of late payments
• cases of regular actions or credit applications made
It should be noted that lower credit score may lead to increase in interest rate or at its worst denial of credit.
A caution is always given to members of the public to be aware of identity theft by securing their credential information. Identity theft is when one uses someone else identity so as to gain any financial advantage including access to credit. The fraudsters use others person’s name, identification Number and even credit card number.
An accurate credit report will enable credit agencies to detect any cases of identity theft by closely monitoring credit transactions.

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Conclusion
In any case you desire to have credit, worry no more. All the information is at your disposal. From accurate credit report, to credit score and to identity theft by fraudsters. The ball is in your court. All the best in your credit search.

Put Your Bank Card Away And Get Your Complimentary Credit Report

It’s pretty safe to express that right now almost everyone in the us that also from another location will pay a pursuit for their credit knows that they may be eligible for a credit report report each year from each one of the three credit agencies. That law had been voted in 2005, to safeguard the consumers and provide them the likelihood of monitoring their credit score without always spending for it.

just what the legislators probably didn’t anticipate, usually this law would develop a whole new industry on the basis of the untrue guarantee of a free of charge credit history. It appears that rather than empowering the consumer, this legislation features rather created more confusion. There are plenty companies online marketing no-cost credit file, but because turns out, you usually have to hand completely your credit card information!

I’m not sure about yourself, but anytime I’m requested my bank card information, i am aware there’s a payment coming down the line. And if there’s a payment, just how can the thing be marketed as free? Because it turns out, it’s a free of charge trial for a credit tracking solution, where the free credit report may be the lure that attracts unsuspecting customers in.

Once you give fully out your charge card information, those businesses tend to be banking in the fact that you certainly will forget to cancel prior to the trial period expires. Which is if they will charge you for a site that you most likely don’t need or worse, you most likely don’t even know you had enrolled in.

If you may need an absolutely free, no strings attached credit history, you will need to get the Annual credit history’s website (it’s a government web site) for which you’ll manage to order your 3 free credit reports (one from each bureau) each year. It’s not necessary to purchase all 3 at the same time, so you can easily space them 4 months aside and also this way have actually an excellent view of just how your credit history is developing.

There’s one big disadvantage into the information provided by this site: you get your credit file, but they try not to feature your fico scores. Indeed, fico scores should never be free. Getting all of them constantly requires a purchase. The law that was passed back in 2005 does not specify getting a credit rating.

So the firms which you see marketing in fact offer a free of charge credit report and score, and many individuals, because they learn about regulations, wrongly believe that the organizations are referring to the free annual credit history that they’re eligible to. And inevitably, a portion of those will not terminate at the end of the trial period, and that is just how those companies make their cash.

I’m not stating that fico scores aren’t really worth spending money on. The actual fact associated with the matter usually there are lots of reasons for buying your credit file and/or ratings, or even to sign up for a credit tracking solution. But it’s not directly to promote one thing to be no-cost whenever in reality it isn’t.

If you’re deciding on signing with some of those organizations, do your homework and read the small print which means you know exactly exactly how much the solution costs and everything get out of it. If you are finding free credit history, the sort that does not need a charge card, look for 100% free credit file that do not come tied with an endeavor period.

Have more information about the no trial offer to obtain your free credit report by visiting my individual finance blog site.

How Do You Remove a Hard Inquiry From Your Credit Report? – Credit Karma Answers

Here are some tips on how to remove a hard inquiry from your credit report and how hard inquiries can affect your credit score.

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Disclaimer: This video provides general information about credit and is not intended to advise about your personal financial situation. Consult a financial, legal or other professional adviser. In other words, someone who’s not a video.

If you’re plagued with medical bills on your credit report and you’ve had enough of just living with a less than perfect credit score. Discover how exactly to exercise your consumer rights and how to remove medical collections from credit report files. For the full story check out an article at: http://www.yourbadcreditcard.net/medical-bills-on-credit-report/

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When Interest Rates Increase: Champions and Losers

WSJ rounds up just who stands to benefit and lose the essential whenever the Federal Reserve chooses to raise interest levels.

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Inside Scene, I give an explanation for essentials of interest rates, how they work, and just how the Federal Reserve can transform all of them through way of the income supply. Furthermore, I discuss how interest levels changed over the last two decades, and exactly how these changes might have played a part in contrinbuting to the present economic crisis. (NOTE: we dont enter into information in regards to the Federal Funds or Discount RateI might include another podcast to explain that).

The value of Obtaining Great transunion credit score scale

Nowadays, we all have turn into dependent upon credit history. They will use credit but not only for purchasing just about any house or fresh motor vehicle however for shopping for tiny problems. Prior to a financial lock up, it absolutely was very easy if you are to have mortgage loan, house loan as well as other style of credit rating. The good news is, scenario has changed considerably. There are various limitations as well as a person needs to satisfy many of the criteria so you can get financial loan at a lender.

What’s important how the financial institutions verify even though allowing personal loan to a person is her credit history which is calculated because of the experian credit score scale in addition to transunion credit score scale. Your credit rating is usually a scores which in turn demonstrates the finance value of a human being. The businesses, banks and banks utilize the credit score scale to recognise draught beer an individual to settle the total he or she provides coppied. A person where credit score scale displays good credit score can be considered match to offer the credit. Knowledge much less limits on the financial loan and can be forced to pay decrease rates of interest. Conversely, an individual who offers small credit score will have challenges in getting the financial loan. He can in addition have a lot of limits and mortgage rates.

Within the credit score scale plus transunion credit score scale, if an individual lots 700 or maybe more than Seven hundred as opposed considered to be a great credit history. You’re not this type of beneficial report can have no worries in establishing credit and that also at the small rate. Before your credit standing connected with 620 has been regarded as being a superb credit score however that rating is known as poor. A person where credit score inside the credit score scale can be in between 450 as well as 650 should test tough to get a loan mainly because it isn’t going to be all to easy to tell lenders.

In case your person’s credit ratings can be fewer than 400, the real key have a lots of challenge to get safe-guarding any sort of credit rating. He can should raise his credit worthiness to become allowed to acquire credit. To increase the credit score, a person might bring some help from several nonprofit firms exactly who assist in restoring a new person’s credit worthiness in addition to shows solutions to are more dependable whilst having economic choices.

You’ll find several credit scoring offices within United states of america that your man or woman may well make contact with to get buying their particular credit history and perhaps they are Equifax, Experian and TransUnion. This experian credit score scale as well as transunion credit score scale never evaluate the person’s credit worthiness just as.

The credit rating data on the experian credit score scale as well as transunion credit score scale are developed in the latest way, whilst they depend on the particular Credit scoring product. This Experian credit worthiness stages via 330 for you to 830 as opposed to a TransUnion credit ratings degrees by 301 to help 850. The experian credit score scale employs As well as credit score credit rating program as opposed to TransUnion makes use of the typical reviewing technique regarding Credit, also referred to as EMPIRICA.

To know more about transunion credit score scale and to gain some insightful knowledge on transunion credit score scale then do visit the webpage

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Warren Buffett – interest rates, the nation’s growing debt, low oil prices

Video Rating: / 5

Watch Episode 6 here: https://www.youtube.com/watch?v=8GP87dgTqF8 Keynesian central planning cannot work, but the world’s central bankers remain convinced that their theories are correct because that’s what the textbooks from academia say. The end result is that they are going to destroy what is left of the productive economy and our currencies. This is why I believe gold & silver come with a central bank guarantee.
If you enjoyed watching this video, be sure to check out the Hidden Secrets of Money website at https://www.hiddensecretsofmoney.com/. It’s a world-leading educational series by Mike Maloney, the bestselling author of the Guide to Investing in Gold & Silver. As Mike explains in the series and his book, we live in an economic system that is made complicated by design. Basically, it’s set up so most people don’t even try to understand it. In Mike’s videos, he breaks down these concepts using easy-to-follow analogies, real pages from history, and animations that tie it all together.
And be sure to follow Mike on social media to stay up to date on his latest news and posts:
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Mike Maloney is also the founder of GoldSilver.com (http://tinyurl.com/jlypdzc), which was one of the first websites ever to sell bullion online. It is well known for outstanding customer service and its competitive prices. If you’re a fan of Mike’s YouTube channel and need help buying gold and silver, his team is standing by to answer all your questions and make it easy. You can find out more at http://tinyurl.com/jlypdzc.

Stay protected from credit fraud while booking holiday tickets online

With the upcoming holidays, people are very busy booking their flights and paying for their travel arrangements. Online reservation and payment of flights is the most preferred method by vacationers because of its convenience. However, many identity thieves take advantage of these processes and use them to commit credit fraud. You can prevent credit card fraud by following certain preventive steps.

1. Book your tickets at reputable Web sites.

Most people are attracted to seat sales and discounted flight tickets. These are usually offered in conjunction with hotel reservation and tour packages. Always double and triple check before making a payment for these types of offers, so that you don’t fall victim to a bogus trip. To prevent online booking fraud, you should be critical in assessing whether or not the website offering this promo is genuine. If the travel website is new to you, you should do a thorough research online regarding the travel website’s authorization to sell airline tickets and travel packages.

2. Make payments over secure sites only.

When it’s time to pay for your booked flights, you are usually redirected to a secure online payment form. There are three important indicators that a Web page is secure. This page should contain a lock icon in your browser’s window frame located at the right side. The web address or URL of the webpage should also start with https, in which “s” stands for “secure.” (In some browsers, the color of the security status bar changes to green when a website has updated security features.

3. Sign out of websites where you logged in.

When you log on to a website, make sure you log out each time. This is very important, especially when you register confidential details. Never think that closing a browser is enough to remove all traces of your login information. When you pay for your booked tickets online, you usually use your credit card. Thus, after paying for your holiday tickets, sign out of the website and clear the browser cookies and cache. This can help prevent credit card fraud.

4. Don’t reply to emails asking for your credit card details.

Phishing is a common technique for online fraudsters to steal your information. In line with the holidays, they may pose as an online booking company asking for your credit information and verification to change your flight details. Never reply to these emails.

5. Update your anti-virus and anti-spyware programs.

Before booking your flights, make sure that your anti-virus and anti-spyware programs are updated. Anti-spyware programs protect from credit fraud by preventing the installation of malwares that can spy your computer activities, thus protecting any credit card information that you’ve entered into online forms.

6. Keep receipts for online ticket payments and review billing statements.

Make a habit of saving a copy of the online payments you made for your holiday tickets. This way, you can check if the correct amount was charged to your card. You can compare this with the payment reflected in your credit card statement to spot for discrepancies and ensure that no fraud occurred after the booking.

Amy is an active blogger who is fond of sharing interesting finance related articles to encourage people to manage and protect their finances. She also covers topics on data breach and steps to prevent credit fraud when shopping online that can help people prevent their credit & avoid financial losses.

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Cool Discover Card images

A few nice discover card images I found:

Image from page 188 of “Scottish pictures, drawn with pen and pencil” (1891)
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Image by Internet Archive Book Images
Identifier: scottishpictures00gree
Title: Scottish pictures, drawn with pen and pencil
Year: 1891 (1890s)
Authors: Green, Samuel G. (Samuel Gosnell), 1822-1905
Subjects: Green, Samuel G. (Samuel Gosnell), 1822-1905
Publisher: [London] : The Religious Tract Society
Contributing Library: University of California Libraries
Digitizing Sponsor: Internet Archive

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Click here to view book online to see this illustration in context in a browseable online version of this book.

Text Appearing Before Image:

Text Appearing After Image:
LOCHNAIIAR. BALMORAL: CRATHIE. ,79 grand amphitheatre of hills. On a knoll to tin; right .slot)d the little churchof Crathie, humble and simple in appearance, very like many a villacechapel in I^ngland. On the other side of the road, towards the river, isthe churchyard, surrounding the ruins of the auld kirk, a very vale ofrest amid the silence and splendours of the mountains. Her Majestysfaithful attendant Mr. John Brown had been interred there only a few daysbefore. It was easy to discover his grave, in an inclosure where are grave-stones to his ancestors and relatives, most of them erected by himself Thegrave was covered with wreaths of immortelles and other (lowers: manywith cards attached bearing the names of the givers; princesses, countesses,some other great people, and John Browns own associates and kindred.One wreath had on the card, A tribute of love to dear Uncle John fromhis little niece, Victoria. Probably the Queen had been godmother to hisbrothers or sisters child. At t

Note About Images
Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

Image from page 944 of “The World almanac and encyclopedia” (1908)
discover card
Image by Internet Archive Book Images
Identifier: worldalmanacency1908newy
Title: The World almanac and encyclopedia
Year: 1908 (1900s)
Authors:
Subjects: Almanacs, American Statistics
Publisher: New York : Press Pub. Co. (The New York World)
Contributing Library: Boston Public Library
Digitizing Sponsor: Boston Public Library

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About This Book: Catalog Entry
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Text Appearing Before Image:
tcrShow Card AVrlferWindow TrimmerCommorolal LawIllus«tratorCivil ServiceChemUt Textile Mill Supt.Eletf rlolanElee. EnsiiieerMech. Draftoman Telephone Kng-lnrKleo. Llgflits Supt.Mcchaii. EngineerSHrveyor Stationary EngrlnVCivil EnjrlnecrBide. ContractorArch. DraftsmanArchitect StrMctiiral EuclnrBridce EngineerMining EnicineerPIumb.A; Heat Con.f Name_ Street and No..City State. A BLANK COUPON FOR YOU. 804 THE ANATOMY OF A PIANO WQnderful Method of Construction Employed in Modern Labor Utopia,where it takes years to make a single instrument. EVERY now and -then some sociologist discovers a certain labor Utopia, •whoseabiding place is in the Middle Western States. The said Utopia is a giantfactory where hundreds are employed and where the workers are treatedmuch as members of one big family. Hardly a newspaper or magazine in thewhole country but which has at times commented upon the existence of the greatWestern factory, dwelling at length upon the fellowship that exists among all the

Text Appearing After Image:
KaaoHKaaai RIKER AVENUE FACTORY. RIM-BENDING DEPARTMENT, SHOWING ORIGINAL, METHOD OF DOING THIS WORK, WHICH GIVES SUCH EXCELLENT RESULTS THAT IT HAS NEVER BEEN CHANGED. men and women employed therein. So widely hias this Western factory beenexploited that the public has possibly reached the conclusion that it is the onlymodel factory in the world. Such is not the case. As a matter of civic pride, a search has been made of New York, and a mate,if not a superior, to the Western Utopia has been discovered by the World. It isa mammoth piano factory, or, rather, a series of piano factories, operated by onecompany—Steinway & Sons. The great factories of this famous old piano manu- 805 facturing concern are real models in every sense of the word, and they are thecleanest factories in the world. REMARKABLE CONDITIONS OF MANUFACTURE. Everyone, of course, knows the international reputation of the Steinway piano,although but few know of how it is made and under What remarkable conditionsit

Note About Images
Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

Image from page 132 of “St. Nicholas [serial]” (1873)
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Image by Internet Archive Book Images
Identifier: stnicholasserial251dodg
Title: St. Nicholas [serial]
Year: 1873 (1870s)
Authors: Dodge, Mary Mapes, 1830-1905
Subjects: Children’s literature
Publisher: [New York : Scribner & Co.]
Contributing Library: Information and Library Science Library, University of North Carolina at Chapel Hill
Digitizing Sponsor: University of North Carolina at Chapel Hill

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Text Appearing Before Image:
r mind, my dear. I suppose I must havemade a stupid mistake. I m getting old, child!But it wont take long to settle this business.I 11 stop and see Martha on my way hometo-morrow. No, no, Cousin Jane ! Please dont! Mary pulled herself together with a braveeffort. I could nt bear to have that done, as shedashed away her tears. Just fancy how shewould feel! Oh, I know by myself. Pleasedont! But I meant it for you, protested CousinJane, clasping Marys hand and stroking itfondly. This is just the dear little hand towear pearls. They suit it, and they suitjw/. How sweet to have you say so! AndMary blushed with pleasure, but persisted still: Martha thinks you meant it for her, all thistime; and how mortifying it would be to haveto give it up to another girl now! It was fool-ish and babyish of me to cry about it. I amashamed of myself; and really I could nt takeit from her. I should always feel as if I hadrobbed her, and so would she. Besides,—with a sunshiny smile, and a squeeze of Cousin

Text Appearing After Image:
DID COUSIN JANES CARD COME WITH IT? ASKED MRS. RUTHERFORD.II7 n8 COUSIN JANE S MISTAKE. [Dec. Janes hand,— I should have to give up mybeloved work-bag, dont you see ? And I cantpossibly part with that. You listen now till Itell you what a Moral Regenerator my bag hasbeen. There was a long talk after this — the sort oftalk that girls pour out sometimes to sympa-thetic older people who are not their mothersor sisters. Cousin Jane discovered that, sweetand lily-like as Mary always was, she had beenin danger of growing up indolent, purposeless,even selfish; and that the work-bag and itspointed texts had opened her eyes to that fact.The inference that things were different now-adays followed naturally. It appeared thatMarys mother had been relieved of varioushousehold cares — all the mending, for in-stance!— and that the Moral Regenerator hadbeen the leader in organizing a guild to work forthe Childrens Hospital, where just such workwas needed. Mary was very simple and mod-est abou

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