redeem all of its issue of paper money, when those
who are holding any of this counterfeit money will have to stand the
loss to the extent of the sum in their possession. To all of those who
are willing to take a small portion of their time each day for a few
weeks in learning just what it takes to constitute a genuine bill,
there need be no necessity of ever losing anything by counterfeiters,
as it is impossible for them to make bills which will in any way
approach the beauty and exactness of the genuine ones. There is not at
the present time, nor has there ever been in the past, nor will there
ever be in the future, a counterfeit bill made that cannot be detected
at sight; and the positive knowledge of how to know at all times when
a bill is genuine and when not is within the reach of all those
who may have the privilege of reading the following information
or infallible rules with a genuine desire to be benefited thereby.

DEVICES AND FRAUDS.

Various devices are resorted to by a numerous gang or body of persons,
to get on in the world without turning their attention to legitimate
and useful employments. This class includes many that are not engaged
in the practice of counterfeiting and putting forth bad money, but who
make themselves felt in various ways through vain tricks and schemes,
which are, to all intents and purposes, frauds.

Business men are generally apt at detecting and turning off petty
schemes, but they find it best to have the means with which they
may deal successfully as against regular swindlers, forgers and
counterfeiters.

COUNTERFEIT AND GENUINE WORK.

[Illustration: DETECTING COUNTERFEIT MONEY]

As indicated above, counterfeit notes are issued and put into the
channels of circulation in abundance every year by those engaged
in the practice of counterfeiting. These notes are often such good
imitations of the genuine that it is quite difficult to discern the
difference.

That he may protect himself, each business man should have some
definite knowledge of a genuine bank-note.

The engraving of a genuine bank note, in most all of its parts, is
done by machinery, and it is more exact and perfect. On the contrary,
most all parts of counterfeit notes are done by hand.

Counterfeiters cannot afford to purchase machinery, such as is used
for the production of genuine notes. The cost of such machinery is
between $100,000, and $150,000, and if it were in wrong hands it would
be always lia