_ ”An Independent Farm Magazine Owned and Edited in Michigan 1 VQL. XI, No. 3 SATURDAY, SEPTEMBER 29, 1923 $3533; Ygxgyggg g; There is Always a Market for Sorted Fruit ’In this issue: “Both Sides in M. A. C.‘ F iglit Shout ‘Politics!’ ”—“What Ails Mutual Fire Insurance Com- panies?”—,“I_s Your Local Bankerthe Chief Aid to :Farmers in Your Community? ”—-Opening chapters ' ‘ ' ' ‘ of our .new serial “omMohey! Money!”—Agricultural and Business Situation page. 1 E: StartzngNznth Yea r Non-Assessable Policy by Experience Assets Over- $375, 000. 00 HE Citizens’ Mutual Auto- mobile Insurance Company of Howell has had a remarkable growth. , Over 12,000 members were insured within a year from date of organization. The company has now finished eight years and is starting on the ninth season. The company has never had to borrow a dollar and has increased its assets each year. The policy holders pay one renewal each year. In a mutual company the money accumulated is left in the treasury for the benefit of all policy holders. No dividends are paid. With about 45,000 policy holders the company has a state-wide organization of adjusters, agent and attorneys in every county seat and town in' the state of- Michigan to give them service. See Local Agent or Write The Citizens’ M utual Automobile Insurance Co. Howell, Michigan DETROIT 06$0&3NS PAY PREM- IUM FOR GRADED POTATOES NE of the most interesting facts gleaned by the casual reader‘ from the premium- list of the Top 0’ Michigan Potato Show which will be held in Gaylord on the 7th, 8th and 9th of November, is that, several prominent -Detroit concerns are willing to pay a large premium above market price for potatoes, provided they can be assured of‘ proper grading and selecting. The Detroit Association of Commons, Crowley Milner Co., Newcomb Endi- cott Co., and several other Detroit business houses have offered to buy over a half of a carload of carefully selected and graded potatoes at $2 a bushel from those growers who win first prises in certain classes of exhibits at the Gaylord Show. 80- desirous is the consumer to have potatoes that are well-graded and carefully selected that they are willing to pay a large premium to get them. In this case, the prem- ium will probably amount to over a dollar a bushel, which will make a very handsome prise for the grower who places first in that particular class at the Show. The Detroit News also offers a special prize to those exhibiting po- tatoes at the Top 0' Michigan Pota- to Show by altering to purchase 300 bushels of specially graded potatoes from the grower who wins first prize in the class calling for a 150 lb. sack of graded potatoes. They offer to pay 50 per cent above the market price at the time of the Show. With the consumer putting forth such inducements to Michigan grow- ers to place quality stufl‘ on the' market, it will probably not be long before shipments from other states will be crowded out. FROM HERE AND THERE IN MICHIGAN Lawton —- Devel pump factory seeking factory site at this point. Paw Paw—New school house und- er construction rapidly nearing com— pletion. Ironwood—New municipal Mem- orial building costing $750, 000 com- plete. Lansing -- Economic surveys of ing' completion. South Haven-Chicago Syndicate . 'i' '1 to build $750, 000 “Edgemers Beach . Hotel” in this city. Alma—wAlma Grain-Lumber Com- pany pur sed by local business men. opera ion to be continued. Cheboyganw—Iocco Land Company buys Gerow estate Pigeon property to develop water power project. Cassopolisw—Michigan Gas 4: Elec- trio Company making headway se- curing rights of way along pike be- tween here and Edwardsburg. Wakefield—Estimated 12,000,000 tons iron ore to be shipped from Wakefield and Plymouth mines be.- fore season closes. Albion -~ National Spring and Wire Company installing machinery to manufacture automobile cushions, factory to he opened soon; - Cadillac—«Assets and business of Detroit Veneer & Panel Company sold to new corporation, Gluetite Panel Company of Cadillac. Grand 'Bapido—n-Citizen Telephone Company properties transferred to Michigan State Telephone Company. New Fountain street Baptist church nearing completion. Muskegoanrunswick Tire Com— pany sells business to B. F. Good- rich Company, moving plant to Ak- ron. Ohio: Buildings of Brunswick Company to be utilized for manu- facture of other products. Detroit—American Bond Company purchases real estate and bond busi- nell of United Trust & Mortgage Company. Contracts amounting to $1,000,000 awarded to electriry De- troit. Toledo and lronton Railroad. Ludingtom—Pere Marquette Rail— road Company’s car~ferry business employs 250 men drawing $251,000 annually in wages. Pore Marquette Railroad to inaugurate new fast freight trains between Toledo and this city. Flint—New home 01- Industrial Savings Bank and that of First Na- tional Bank nearing completion. New "Flint Six" plant of Durant Motor Company to turn out 300 cars daily. Contract to be let for erec- tion of nurses home for Hurley hos- pital. F ruitAss’ns Combine Into StrongOrganiiaiion HE Michigan Fruit Growers, Inc., is making wonderful pro- gress in the organization of Michigan's co—operative fruit mark— eting industry. Within the past few months it has organized 75 per cent of the co-operative packing house output in the state and today con- trols a tonnage' of more than 4,000 cars of peaches, apples, grapes and pears. It is working forward to a goal of 5,000 cars of fruit to be marketed through the farmer—own- ed and controlled Michigan Fruit Growers, Inc. The Michigan Fruit Growers, Inc., is affiliated with the Michigan State Farm Bureau under the commodity control type of organization. Offices at Benton Harbor have been opened with Secretary F. L. Bradford in charge. Bock Organization Benefits The organization of this state- wide co-operative sales agency for Michigan Fruit is proceeding in the right manner. The central sales or- ganization is being builded upon al- ready existing and successful local marketing associations. They are getting together for the benefits that come from an organised marketing of their products. These are: elim- inating murderous competition be- tween the co-ops. themselves, and protecting themselves against the raids of speculators who seek to beat down the price. The fruit growers see in the Michigan Fruit Growers an opportunity to market their fruit throughout the country in an orderly manner as the big California Exchanges do, and profit accordingly. The Michigan Fruit Growers will enable these same co-operatives to organize their on ital and other re- sources for stun rdlsation of var- ieties, grades and packs. a powerful, lass-reach sales 0 which will backed by proper ad- The Fruit Growers have marketed more than 100 cars to date and ex- pect to be handling 50 to 100 cars daily in a short time. Eighty per cent of all tree fruit handled is grad- ed and packed through associations and 66 per cent of all grapes are handled through associations. Fruit Ass'ns. Flock In During the past few weeks nearly all of the powerful fruit marketing associations north of Grand Rapids have joined the Michigan Fruit Growers and have contracted the Sale of their fruit through that or‘ ganization. New' members of the Fruit Growers are: Grand Rapid Growers’ Associa- tion, Fremont o-operative Produce Company, Hart Co-op. Marketing Association, Onekama Farm Bureau Local, Benzie Co- -.op Fruit and Pro- duce Association at Beulah, Benzie Co- -operative Fruit Exchange at E1- berta, Mason County Fruit and Pro— duce Exchange at Ludington. The Grand Traverse Packing Company and the Tri- -County 00- op. Marketing Association at Brunswick are consid- ‘ ering memberships in Growers. The Southern Crop Other members of the Michigan Fruit Growers, Inc., most of them South of Grand Rapids, are as fol- lows: Kibhie Fruit Exchange. Haven Fruit Exchange, Lawrence 00- -op. Mktg. Ass n., Bangor Fruit the Fruit South Exchange, Paw Paw Co—op ASS’n. . Benton Center Fruit Growers Ass’ n., St. Joe (Mich ) Fruit Growers Ass’ n., Lincoln Fruit Growers Ass’ n. at\ Stevensville, Bridgman Fruit Grow— “ ere Ass’ 11., Lake Shore Fruit Grow- ers Ass 13. at Sawyer, Decatur Co—op. Mo'nu Sodas Fruit Growers Ass'n” Grand River Fruit Ass’n. at Spring , The Fennviile Fruit EX‘i we change will be awaited with the .- matrices M m. s' river, . ~ ,V‘Antrim and, ogemaw counties near- « "“r—s bdflg gfiorrdl: ms rue .) f l l j i l l VOL. II, No. . 3 ~ Being absolutely independent our columns are open for the discussion of any subject per- taining to the farming business. e cgm‘ r ‘SINSS FARMER “The Only Farm Mégazine Owned and Edited in Michigan” «Both: Sides in M. A. C. Fight Shout “Politics!” mashed ’B’i-vlle’efly Mt. Clemens. Hick. —. TWO YEARS $1 Entered as second- class mat- ter, Augult t22. 1917 at the st-ofllcc at Cl lemons, ich.,%1sr)1der act of March 3rd. Veteran and Unbiased Political Observer States Facts in Present Turmoil Which Begun With Gusting of Dr. Friday and Which Has Upset All Factions in Lansing NIQUE in the history of Mich- igan is the bitter controversy between Gov. Groesbeck and his associates on the State Administrat- ive Board on one side, and the Mich- igan Agricultural College Board and - the State Farm Bureau on the other. It is a controversy in which lead— ing allegations are, to quote the Gov- , ernor, “that the management of the college has drifted into the domain . of petty politics,” and that a farm- ers' organization, the Farm Bureau. without any semblance of legal right, is not only doing considerable in the way of directing certain activ- ities of the college, but is contribut- ing to the financing of these activ- ities, and, to quote the college board, that the Administrative Board, of which the Governor is the head, is usurping constitutional prerogatives, of the college board. , Also it is a controversy that has broken some close political friend— ships. The six members of the col- lege board are a unit in charging what they term interference, in de- fiance of the Constitution, by the Ad- ministrative Board in college affairs. Yet three of the members received important appointments from Gov. Groesbeck and in the past have been his ardent supporters. They are L. Whitney Watkins, whom the Govern- or last year appointed state commis— sioner of agriculture, and Clark L. Brody and Jay R. McColl, who were placed by him onthe college board to an vacancies. Herman H. Halla- -day, who was the Governor’s first commissioner of agriculture and was, with his cordial approval. transferred to the secretaryship of the college at a better salary, the transfer being made at the solicita- tion of Dr. David Friday when the latter was appointed president, has also turned from a friend to a critic and lined up with the college board. Dates Back to 1921 Melvin R. McPherson, another member of the college board, who is a Kent. County farmer, used to say that Mr. Groesbeck was the best Governor Michigan ever had. Now he is telling farmers' meetings that the Governor has an ulterior politic- al motive in trying to hold the purse strings of the college. The controversy had its inception during the legislative session of 1921, when Rep. Arlie Hopkins, Manistee County farmer, who was in charge of the college’s appropriation bill, brought about an exhaustive in- vestigation of the college manage- ment. At last Wednesday’s meeting of the Administrative Board it was mentioned that the substance of Rep. Hopkins’ report was that the business methods of the college were very poor and that no progress was being made towards development. His criticism extended to all branches of the management, and the outcome was that the Legislat- ure placed a. clause in the college’s appropriation bill that the moneys for the different purposes specified in the bill should be expended under the general supervision of the Ad- ministrative Board. , The board proceeded to exercise this supervision without objection by the college board and, in the words of Gov. Groesbeck, solely to build up the college and to carry out the leg- islative mandate. There were rum- ors that the college board did not like this supervision, but there was no open resentment. In part, the college board appealed to the Ad- ministrative Board to undertake the construction of a home economics building and a library building,. for which the Legislature had approp- By JOHN FITZGIBBON (Veteran Lansing Correspondent of the Detroit News.) riated about $400,000. The college board‘had been unable to secure bids within the appropriation, but the Administrative Board, by purch- asing the material and eliminating contractors, is now finishing both buildings for considerable less than the appropriation. Then the Dr. Friday Ail'air The proposal that Dr. Friday be appointed president originated, as was widely recorded at the time, with Gov. Groesbeck. The Governor was supremely confident that the prestige of the ’new president as an educator and economist, in 0011qu— tion with his avowed policies, would place the college in the foremost rank of agricultural colleges of the country. The circumstances of how the college board and the Farm Bur— eau leaders broke with President Friday last May over agricultural development plans, the two more important questions of difference be- ing co—operative marketing and farm organization, and his resignatiOn, are too recent to need recounting at this time. Anyhow, the propaganda of the college board and Farm Bur- eau leaders against Dr. Friday be— fore he retired from the president’s chair resulted in open hostilities be— tween these two groups, on one side, and the Governor and the Adminis- trative Board on the other. Now, as to the activities of the Farm Bureau leaders in affairs of the college. According to these leaders, these activities are solely speaking in general terms,,to make farming more profitable. Those who resent the bureau’s affiliations with the college, take the ground that the farmers’ organization is using the college through the county agricul— tural agents in more or less of the 64 counties that have such agents, as f‘ well as through others who have positions, both with the college and the bureau, to keep its members in good salaried situations, as well as for political purposes. County farm agents, whose duties are to instruct farmers and fruit growers how to meet problems that will make their fields, their or- chards, their herds and their flocks earn more money, were authorized under the Smith-Lever Federal Act of 1915. By the terms of this act the Federal Government gives $600 towards providing an agricultural instructor, or agent, for any county if the State matches it with a like amount. Boards of supervisors may vote as much as they feel conditions warrant to add to the $1,200. Some boards vote a few thousand dollars annually so as to secure a highly trained agent. If‘ supervisors do not vote funds county organizations of. the Farm Bureau may do so under authority of a legislative act of 1919. Farm Bureaus Pay $124,000 A report submitted to the Admin- istrative Board shows that the farm bureaus in 39 counties have contrib- uted $47,720 towards the salaries of county agents, and $77,586.69 for agents’ expenses. The Legislature last spring voted $150,000 for each of the two fiscal years beginning July 1, this year, for farm extension work, which the descriptive designa— tion of the services rendered by county agents and like work by men sent out from the college. County farm bureaus sometimes, while not; contributing anything to agents’ salaries, provide their office and traveling expenses. Some of the wealthier counties have not only an agricultural agent but, in addition, a. home demonstrator as well as a SAYS BEAN PICKIN G MACHINE MADE HIM $460 LAST YEAR NOTICED your article in September 15th issue of Michigan Business Farmer about hand picking beans on the farm. It would have been impossible to have handled my beans last year by any such method as your article suggests, although you have the right idea. Last year my neighbors and myself began discussing different methods of cutting out the enormous hand picking charges which are so high that they are taking the life and profits out of the bean growing industry. I looked around for a machine which would pick out the stones, dirt, and partially rotted beans. Our hardware dealers finally ordered a. machine for me which certainly worked way beyond my expectations. On a. thousand bushels Of my beans that picked 12 lbs. per hundred pounds by running them on this machine I reduced them and sold them to the elevator at 2 1b. pickers. The machine took out 10% or 6,000 pounds of culls from the lot at 8 cents a pound, which the elevator charges for picking a pound of culls, or saved me $480. Besides I didn’t have to load up and haul and give to the elevator three tons of culls. Futhermore, I didn’t have to make a couple of trips to town to pay $15 a ton to get the culls back on Neighbors brought beans to be picked from as far as eleven miles away and w ere well satis— beans io be picked as £111 a: eleven miles away and were well satis- the farm where they belong. fled with the work the machine did for them. In about tWelve days I earned in charges to neighbors $225 which leaves me a balance, after paying for my machine, of $435 on the picking of the 1922 bean crop. Several people nearby have bought the same make of machine I have and also think it is the proper way of handling the bean marketing profitably. I think it funny since so many of these machines were sold around here and it is such a success that this information hasn’t gotten into either yours or some other Michigan publication before. My picker will surely be valuable to me this year as I have about 45 acres, some of which are damaged by rain, but this does not trouble me near as much as it used to when I did not have the picker. I paid $300 for my picker last year but understand the new price is $200 for this year. —J. Shay, Jr., Saginaw COunty, Mich. farm boys’ and girls’ leader. County farm agents are appointed by the col- lege board on recommendation of R. J. Baldwin, extension director of the college, and, according to an investi— gator’s report to the Administrative» Board, county bureau leaders are consulted in making appointments. There are four inspectors of the county agents, Hale Tennant, who is also market director of the college, salary 36,00 0; R. G. Carr, salary $4,500; 0. X. Ballard, salary $4,- 200; E. G. Amos, salary $3,600. Three of. the six members of the col— lege board, Mr. Watkins, Mr. Brody and Mr. McPherson, are directors of the State Farm Bureau, Brody being secretary and manager. A former office employe of the board says that Brody’s salary from the Farm Bur- eau a few years ago was $7,000 and that it has been raised since. Wat- kins is discussed, though not by those in his confidence, as likely to be the bureau’s candidate for the Republican nomination for Governor but he himself says that he is not yet prepared to talk about the mat— ter. In 1920 a story was printed that Mr. Watkins had been told that he would be designated as the farmer candidate in the Republican pri- maries for Governor, but that some of the leaders met in a hotel in De— troit one day without his knowledge and selected the late Milo D. Camp- bell. Mr. Campbell was the farmers’ candidate in the primaries, finishing second to Gov. Groesbeck. “’Ould ()ust Farm Bureau The Farm Bureau’s income is de- rived from $10 a year dues, of which $6 goes to the county organiz- ation, $3.50 to the State Bureau and 50 cents to the American Farm Bur— eau Association. At State head— quarters of the bureau, Lansing, the information is that the bureau’s membership is now about 60,000. Several years ago statements were printed representing the member— ship to be nearly 100,000. Gov. Groesbeck is emphatic in de— claring, and the other six members of the Administrative Board support him, that the college board must dis- solve all relations with the Farm Bureau, and that county agricultural agents shall receive their entire sal- ary and expenses from the Federal and State governments, and the counties, “but from no other sour- ces,” and until they agree to these terms the Administrative Board will refuse the college board the right to draw any of this year’s $160,000 ap— propriation for farm extension work. The college board, while it is on record as conceding that the Admin— istrative Board has general super— vision as to how other items in the college’s appropriation shall be ex~ pended, refuses so far to yield to the ultimatum of the Administrative Board that it renounce all connec- tion with the Farm Bureau. The college board informs the Adminis- trative Board that “as to the sugges- tion that county agents receive all their salary and expenses from Fed— eral, State and County funds, “'6‘ have for some time recognized this as desirable and look forward to some arrangement whereby suffici— ent funds from these sources will be provided.” , Unless the college board yields the Supreme Court may be invoked to settle the controversy. The last word from the Administrative Board to the college board is that the courts have repeatedly sustained its position, and that the courts are "still “open and in session it the college board wishes another expression.” What Ails Business Farmer Investigator Finds Farmers Dissatisfied With PreSent Methods and Increasing. Cost of Insurance in‘ 93 Mutual Fire Insurance Companies Operated in Michigan Editor Business Farmerz—The readers of your valuable paper are practically all farmers. Every one of us carries insurance for the protec- tion of our property, and yet we seldom read anything in your colw umns about mutual insurance. Never in my remembrance has so much dissatisfaction been expressed by the farmers in my locality about insurance as now. Every year our assessments are climbing and we don’t seem to get any more or great- er protection. What is wrong with mutual fire insurance? From your observation can’t you give us some information?——-J. C. R., Greenville, Mich. ,E are frank to admit that we , have published very little rel- ative to mutual fire insurance as carried by companies insuring farm risks exclusively, other than to answer inquiries from time to time, and probably the matter is of suffic- ient importance to devote some space thereto. In looking over the last statement issued by the State Insurance De- partment we find that the mutual companies are carrying nearly three— quarters of a billion dollars, divided among 93 mutual companies, most of which are covering only counties in which they are located, others two or three counties and but a very few carrying risks anywhere in Mich— igan, outside of cities with less than 5,000 population. The most any company has at risk is $98,892,420 and the smallest $100, 400. The total amount of losses paid was $2,411,884,84. This is a wonderfully big business in which the farmers of Michigan are greatly interested, and thus we are glad to express our views as to its standing and betterments. There is not any business in the State, in which the farmers are so vitally in- terested, in, a more chaotic condition. Of all of these 93 mutual compan— ies we can safely say that no two have the same set of governing by- laws. So long as they do not con- flict with the State laws and the o IT is high time something was being said about. the rapidly ‘ mounting cost of fire, hail and other insurance to the farmers of Michigan. The mutual companies which once boasted of efficieni management and low costs are the ones Which most directly affect the farmer. ual fire insurance companies alone in Michigan. There are 93 mut- They. carry three-quarters of a billion dollars at risk for their farm members. This is a subject we are sure Business Farmer readers will be glad to have brought out in the open. plans of the State Insurance Depart- ment, any company can adopt laws to suit the fancies of. its members. We say'members, and really they have but little voice in the formation of the laws governing their company. The laws and the changes which are made thereafter are usually drafted by some officer or ‘ofiicers, and when the meeting is called for the pur- pose of passing upon same, the at- tendance does not represent one in every hundred. While it is the priv- ilege of every member to attend these meetings and have a voice, yet they do not, and instead of being the result of a united membership vote it is but fulfilling the requirements of the many by few. The Forgotten Purpose One lamentable fact in the oper- ation of mutual insurance companies is that laws are enacted for the gov— ernment of the company which are made to suit the requirements of the officers in charge instead of making them for the most liberal protection possible to render its members. The officers seem to lose sight of the fact that a mutual fire insurance com— pany is nothing more or less than a number of farmers banded togeth— er to pay each other’s losses caused by fire and lightning, and the cost of operation of the company, but they so form the governing laws as to perpetuate those in charge in good positions. In so doing the rights of the insured member is so lessened that the protection afforded becomes of uncertain value. Instead of mak- ing the laws in the interests of the insured many companies seem to see how little can be furnished in case of loss. The laws of these farm mutual insurance companies consist of the articles of association and the by- laws of the company usually print- ed on the policy. The usual plan of organizing a company is to take the articles of association and by-laws of some company already in operation and revise them to suit the fancy of the organizers of the new company. No Two Alike There are not two farm mutual fire insurance companies in the state of Michigan with the same set of by—laws. Some are liberal and fair and some are not. Some com- panies carry what is knOWn as the blanket policy, which has been in force by only a few. companies for the past few years. In order that our readers may thoroughly understand What we mean by‘ blanket policies, many companies indicate in their policy the amount of insurance on each in- dividual building, the amount 011 hay, grain and produce, the amount on farm implements, the amount on livestock, etc. This is what is term- ed a specified policy. Some com— panies even go so far as to say how much insurance they will carry on the contents of a certain barn, how much on the contents of all other buildings, specifying separately each one. In the way of explanation will say that if the policy of insurance placed $1, 500 on barn No.1 and $500 on the contents of same, then no matter how large the loss might be on the contents of that barn, the insured would only get $500 by the specified policy. The blanket policy came to light about ten years ago and while it is in force with a few companies, many are reluctant to adopt it because it will very materially increase the amount paid the insured in case of loss, and therefore, necessitates larg- er assessments. A blanket policy usually indicates the amount of in- surance on each separate building, and on personal property, compris- ing hay, grain, produce, implements, vehicles, live stock, ‘poultry, etc., only one amount is indicated. For instance, it might be $2,000 regard- less of in what buildings this prop- erty might be located, the company carrying the blanket policy would pay the full amount of the loss. The blanket policy would pay any amount on the contents of a barn, granary or any other building, in case of loss, if it did not exceed the amount of insurance, whereas in the granary there might be 1000 bushels of wheat worth $1,000 and on the policy specified only $300 on the contents of the granary which would be all the farmer w'ould get in case of loss, whereas if the blanket policy were in force, the insured would get the entire loss, $1,000. It seems hardly fair to ask a member who is paying $1,500 on insurance, possibly $500 on live stock, $500 on hay, grain and produce, and $500 on im- plements and machinery to accept $500 in case of loss of $1,500, the contents of barn No. 1, because he saved his implements and live stock. In such case the member is paying for $1,500 protection and while his loss may be a great deal more than that he receives but $500 compensa- tion in case of loss. The Business Farmer believes that there should be a uniform blanket policy adopted by all of the mutual (Continued on Page 17) Is Your Local Banker the Chief Aid to Farmers inYour Community? By MR. 5. T. KlDDOO, President of the Live Stock Exchange National Bank, Chicago. DO not know what you, as a farm- 1 er, think of your local banker. You may consider him as the chief aid to agriculture in your neighborhood. On the other hand, you may look upon him as an indi- vidual whose strong hand is block— ing agricultural progress and bar— ring the gate between you and pros— perity. Whatever your opinion, it probably is based upon the same foundation that governs the opinions of most of us, namely, a personal experience. I, as a banker, may have little re- spect for a fellow business man purely‘because of a personal and is— olated experience with that man. He may do business in a way that is fundamentally sound, and at the same time be rendering a definite service to the people who patronize him. Nearly every business is the lengthened shadow of the man who runs it, and sometimes we are inclin- ed to judge a business more by the personality of its president than by the actual service it is rendering. That is why a hale fellow who is a good mixer is often a great asset to a business. Customers of that busi— ness keep their eyes on him because of his admirable sociability, give the business a better deal and more fav- orable judgment. On the other hand, the head of a business who has a grim, cold nature may cause his institution to develop a reputa- tion which is unfair to it and not at all in line with the service it rend— ers. This is true of banks as of all other businesses, and since practical service rendered is the criterion of a business’s usefulness, it will pay pa- trons of any institution, whether it be a bank or not, to look beyond the personality of the management and determine honestly whether the MR. 5. T. KIDDOO, the author of this article, gained his first fame as a banker in the live stock regions of the Northwest, where his activities secured so much attention that he was called to the presidency Of the Live Stock Ex- change National Bank. Mr. Kiddo is in a peculiarly for- tunate position to keep his fingers upon the pulse of the live stock industry and also keep an eye on those, factors that intimately concern the welfare of the farmer. business itself renders a wholesome, economical service. All of this is preface to a ques- tion which I am about to ask, and inasmuch as I hope it will be answ- ered fairly, I felt it necessary to set the stage for the inquiry. What service is your bankex rendering you? Theoretically, your bank should be a combination of the following activities: 1. It should safe-guard your money and valuables, by providing facilities that will free you from the risk of burglary, carelessness, tire and other mishap. 2. It should encourage thrift and habits of saving by paying you inter- est on monies you deposit in its sav— ings department. 3. It should provide the expert information that you need on all major financial transactions that you engage in. 4. It should likewise be a clear- ing house of financial information which it can secure from its corres- pondents and from similar institu- tions in other parts of the country. 6. It should definitely carry on a campaign to instruct your children- in habits of saving and provide ways and means for developing such habits. 7. It should co-operate so far as possible with local schools in cam- paigns to inculcate thrift. 8. It should be actiVe in every movement that has to do with the sound economic dcvclopnmnt of the territory it serves Most of these activities can be ac» cepted as the duties of a normal healthy bank, and as such, can he expected and demanded by the dad positors of all normal, healthy banks. The experience of the writ- er leads him to believe, and to say, that very few bankers fall to carry out such activities to the limit, of their abilities. 'ilownvcr, it is the writer’s belief that. banks can go still further in rendering service to individuals and communities, pro~ vided the banks receive the moral support and active cmoperation of the farmers around them. I refer particularly to the follow- ing types of activity: A. Movements that will lead to the agricultural and industrial de- velopment of the community. B. Movements for‘ the better- ment of live stock, soil and other na— tural resources. C. Assistance—not financial—in the solution of the local farmers marketing problems. It goes without saying that a bank may have the finest building, vaults and personnel in the world; be located in a land of milk and honey, and at the same time be a failure in the midst of failures. The money deposited in a bank depends not altogether upon the ac- curacy of the bank’s accounting sys— tem, the honesty of its personnel, the strength of its vaults or the beauty of its building. In a farm- ing community, for example, all these things will go for naught if the farmers are unable to market their products at a profit. Also, if farm lands are gradually deteriorat- ing; it such scourges as tuberculosis are permitted to run riot among the local herds. It is simply a matter of self-pres- ervation for a bank to engage in ac- tivities such as l have listed arbitrar- lly under A. 13. and 0., above, but— 'l‘hc bunker should not be the sole one held responsible for doing these things. He is perhaps as well fitted and in as good position as anyone in a com- munity to foster such activities. He, moreover, can get out such work with less antagonism. But he is by no means the expert in agricultural matters that the farmer is, and un- less some of these things are initiat- ed and pushed by the farmer him— self, the banker is helpless. It is with. the idea of starting something along this line, that this article is prepared, and with the per- mission of the editor of this publica- tion, we will continue the discussion in a future issue. . .- _‘.,. _ V, _ , _ .s..__ A . .;- _.,. (61): ' 5’ Hermes m / ALL HAIL TO THE GRAND WHISKERINO.—— Hans W. Langseth (right) '77 years old, of Barney, N. 1)., who has the longest heard in the world. It-is 17 feet long, and at the recent annual con— vention of the International Association of Specialty Salesmen, I’res. Burns of the convention declared that Hans would be crowned King VVhiskerino of the world. The man at the left has a beard 11 feet, seven inches long. DISCUSS FARM FINANCIAL SITUATION “’ITH PRESIDENT.—Members of the Federal Farm Loan Board paid a visit to President Coolidge and discussed the financial situation of the farmer throughout the country. Commissioner R. A. Cooper, 1V1. L. Corey, E. E. Jones, L. J. l’ettijohn, J. H. Guill. THERE IS NOBILITY IN THE POULTRY WORLD.—Illin0is claims the queen of the poultry world. Lady Anne, a real scion of the feathered nobility. She holds the record for laying among living hens, having reached the 1300 mark. She expectsrto soon exceed the world’s record of 1355 —made by a hen who has long since passed to chicken heaven. Lady Anne is 10 years old, a white Leghorn, of English ancestry, incubator bred. WASHINGTON ELI“ TREE IN CAMBRIDGE DIES.—The “'ashington Elm Tree, Cambridge, Mass., under which George \Vashington took com- mand of the American Army, which has been pronounced dead by experts. A shoot from this tree, cut ofl‘ several years ago and now thriving, has been suggested to be put in its place, while Mayor Quinn, of Cambridge, has started a drive for funds to erect a monument on the spot. strange chicken Left to right:— FIRPO, at the Polo Grounds, sey proved himself to be a real champion by knock- ing out Luis Angel Firpo of Argentine, South Amer- ica, in the second round of their scheduled 15 round go, making it one of the shortest championship THE VANISHED.—0n September 14th New York City, Jack Demp- bouts ever fought. The South American gave Demp- sey a hard battle knocking the champion through the ropes during the first round. ting Contest. 3 PULLING THE “’OOL OVER HIS EYES—Pluck- Ostrich ing the ostrichcs at the Cawston South Pasadena, (‘alif., is one of the esting sights vouchsafcd to tourists. general opinion pulled out, as the term To render the bird docile hood or stocking over its head for when blindfolded the bird gives no trouble. property the feathers are of plucking it is necessary to pull a A MODEL OF INDUSTRY.—A (Copyright, Keystone View Co.) clipped would “'HA’I‘ A CORIBINATION.——Cats hate chickens, and vice versa. with a eat like head, It meows, climbs trees and likes milk. half got mad with the other half? of a Philadelphia, \Vondcr what would happen view of the baby’s carraige blanket, made by Mrs. Calvin Cool- idge and which was an entry into a National Knit-4 . The blanket, which Miss Lena. Lorris is holding, was made while Mrs. Coolidge and her husband were on the Vermont farm, before the death. of the late President Harding. that the blanket will go to her fit that event is a long way off. ' Mrs. Coolidge states st grandchild—but Farm, inter- Contrary to not imply. Here is a man. if the cat 27%; L; ,L'~ 1.... t. ;.n;sn4n ‘ u 1Q i“ .r :get rid of sand burs? Would you please tell us new to We have about one—half acre that we have to fight every year.—Mrs. M. W., Mid- land, Mich. ' , ‘,'--——We are fortunate in Michigan in ‘ having only one species of sand bur, Cenchrus carolinianus. In the more southern portions of the country they are blessed ('2) with 4 or 5 kinds. some with large, some with medium sized, and some with small burs. All these, however, are an— nual plants, i. e. they do not have roots that live through the winter, so that they’ have to depend on their seeds to carry them over until next year. The method of combating them that has been shown to be the most successful is :that of pulling them up, placing them in a pile and burn— ing them when dry, the burning be- ing for the punpose of killing the seeds which otherwise will continue to ripen after the plants are pulled up and will then break free and be- come scattered. The difficulties in carrying out this method are (1) that the burs are allowed to break loose and fall to the ground, thus reseeding the patch; (2) that in pulling up these plants small portions of the plants are allowed to remain which quickly develop new roots and new stems so that within a short time the plant appears as vigorous as before. The sand bur does not enjoy com- petition so that if the soil is rich enough to support a thick growth of some other plant such as millet, sor— ghum or buckwheat, provided the stand of the latter is very good, it will be unable to develop to matur- ity that season. Putting the field to a hoed or cultivated crop will settle the difiiculty if the hoeing or culti— vating is done at frequent enough intervals, which is, however, usually not the case—E. A. Bessey, Profes- sor of Botany, M. A. C. MEN SHOULD RENDER ACCOUNT A number of farmers formed a co— operative farmers elevator and as they gave their notes each one also signed a collateral note. A board consisting of seven members was ap- pointed to take charge of affairs. A man from another city was hired to run the business at an exorbitant salary. He hired extra help and spent the money until finally the col~ lateral notes had to be paid. Then within a few months bankruptcy was declared, three men were ap- pointed to sell the elevator and it has been sold but none of the stock- holders know for how much or any— thing about the business. An aud- itor came and looked over the books but no report has been given and the stockholders, at least those who were not on the board, are wondering where the money has slipped to. The elevator was a. paying business when owned by individuals. Can a few of the members do business in that way and give no account of the aud- iting, the sale or the delinquency of the manager and board?—L. M., Clifford, Mich. --—The three men appointed, in the bankruptcy proceedings, to sell the elevator would be required to render an account of their proceedings. I suggest that you take this mat— ter up with the referee in bank- ruptcy. If that is not suflicient, you could file a petition to have an ac— counting, which would probably nec- essitate the services of an attorney. ———Asst. Legal Editor. CUT WEEDS ALONG HIGHWAY Has a farmer a right to let wild carrot grow on his farm or on the road side? We have been keep- ing it down on our farm but the neighbors have it all around us and we would to know how to go about it to have them cut it down before it goes to seed.—-—A.H., Brown City, Michigan. --The statute specifically provides that every owner, possessor or occu- pier of land shall cut or cause to be out and destroyed all Canada this- tles, milk weed, wild carrot. oxeye . daisies and other noxious weeds growing thereon at least once in each year. before Julyl lin town- ships south of R 10 N and hetero Julyliintowushipsnorthofn 10 Nsndasmuch oftenesssisnseos- my:to prevent their going to seed. to with this law , m .malsessuch my liable to a, fine (A Olsen-Ins Dolmen: for all complaints or mum of $10.00 and for the cost of cutting the weeds and in such case the weeds would be cut by the township highway commissioner or by men in his employ and the cost would be levied against the property owner in the same manner as other taxes are levied and collected. This law is interpreted to mean that the abutting property owner is required to out such noxious weeds on his land and the center of the highway abutting same. It is the duty of the township highway com- missioner to post proper notices and to see that all violations of this act that come to his knowledge are prosecuted. Reference, Act No. 66. P. A. 1919 as amended—Frankl“. . Rogers, Highway Commissioner. COPYRIGHT FARM NAME Please advise me regarding the registering of a farm name or copy- righting of same. It seems I read something in reference to this some time ago but do not remember the substance now.—-—W. C. B., Matte— wan, Mich. ——If you wish to transact business under the farm name, it would be necessary to register it with the county clerk. However, if you wish to give it a name merely for designa- tion or for distinction, it would not be necessary to have it registered.— Asst. Legal Editor. OBLIGED TO MINTAIN FENCE “When a feller needs a friend" he looks about, considers the nature of his affliction and then, if he is an M. B. F. reader, he will, in all prob- ability, send his S. 0. S. towards Mt. Clemens. And now could you give me the meaning of Michigan law governing railroads in respect to the mainten- ance of fence along its right—of—way. I live near Romulus and our pasture field abuts the Wabash Railroad and the fence is so poor the cattle can go MICHIGA S‘OW ALFALFA WITH WHEAT What would you advise about seeding alfalfa in fall wheat, that is sowing alfalfa seed in the spring? Is there any difference in alfalfa seed and if there is which is the best kind to sow? I have ten acres I want to put to wheat and thought maybe it would make a difference in the amount of wheat to put on to _the acre if I seeded it to alfalfa.— R. S., Harrison, Mich. -———Wheat usually makes an excellent companion crop for alfalfa when planted at the usual rate of six peeks of wheat per acre. Lighter rates of planting will benefit the companion crop of alfalfa to some extent. It certainly is not advisable to plant at a heavier rate than the customary six pecks if a good stand of alfalfa is to be expected. There is a great difference in alfal- fa seed and varieties from various sources. The Grimm, Michigan .Grown Lebeau, and northern grovvn common are dependable in Michigan. The Grimm is hardier. and longer lived than the common. For heavy lands either the Grimm or Michigan grown Lebeau are recommended. Twelve pounds per acre, applied early next spring, properly inoculat- ed, is sufficient. If your soil is acid lime should be applied for best re- sults with alfalfa when fitting the seed bed this fall.—-J. 1". Cox, Pro- fessor of Farm Crops, M. A. C. VARIETIES OF RAPE I would like to know if there is any dinerence in rape and if there is, what is the best kind for hog pas- , ture?—R. 8., Harrison, Michigan. -——There is a great diflerence in rape varieties and in seed secured from various sources. The Dwarf Essex from Holland has long been recog- nhed as the best for has posture, or forpostureuseforotherlfvestock. The crop produced from the Dwarf Essa: rape is more rapid and more evenin youth. rm yieldisgross- farmer? even on wealth. Pinion. “will! attention I Mow-motion resist! to this dmrtmen s are '1 nu. All Inqulrles must be ammpsnled by I’ulld n amemnd address. Name not used If so Moat“. Clam, KIWI): hero ‘0 back and forth at will. The section foreman knows about this but makes no effort to repair the fence. Have been to see station agent and he kindly informed me that the Wabash ' railroad declined to fix its fence where the property owner did not maintain a good fence over his farm. —8. D. E., Romulus, Mich. —_—Railroad companies are required by the laws of Michigan to maintain suitable fences along their right-of- way, to protect stock from injury by trains—Asst. Legal Editor. BUG 0N PUMPKIN VIN'EB - Last year our pumpkin and squash vines were eaten up by a bug and this year there is a lot of them. Would you please tell me if there is any thing that will kill them? Am sending specimen—C. 1... White- hall, Mich. - ——The insects turn out to be the common squash bug or stink bug. This creature likes to hide under bits of board during the cold nights and if one places small pieces of board or shingles on the ground near the squash vines the bugs will crawl under these boards and can be jarred off into a bucket of water and kerosene early in the morning be- fore the air starts to warm up. This is called trapping them. It is also the very best of practice to clean up rubbish in the fall since these bugs go through the winter under rub- bish—R. H. Pettit, Professor of En- tomology, M. A. C. NOT COMPELLED TO SERVE AFTER. REIGNING If the governor of Michigan should hand in his resignation and it was not accepted, would he have to go on being governor just the same even though he did not want tel—A. P., Weidman, Michigan. —-The Governor could not be com~ pelled to serve after resigning, even if his resignation were not accepted. -——Asst. Legal Editor. NCROPS er and the crop is much more palat— able and succulent than is the crop from the Japanese, a stemmy, coarse, lighter yielding rape which has been largely distributed in the United States, particularly during the war period, when there was a great shortage of Dwarf Essex rape. It is usual to plant rape at the rate or two or three pounds per acre to a depth of one-half to three—quarters of an inch on a well prepared seed bed.———J. F. Cox, Professor of Farm Crops, M. A. C. ‘ DO NOT 80W ALFALFA NOW Will you kindly tell me if I can sow alfalfa on wheat ground now and have it do any good? I seeded five acres this spring and got a very poor catch only in spots. Would like very much to get this piece of ground in to alfalfa—L. H. C., Ithaca, Mich. —-Alfalfa seeded during late Aug— ust and early September is likely to winter kill badly. 'For best results I would recommend that you hold over until spring. The spotted con- dition of last spring's seeding may be due to soil acidity or it might be due to poor drainage.—-—C. R. Megee, Associate Prof. of Farm Crops, M. A. C. JAPANESE PERSIMMONS I saw an article in a farm maga— zine about Japanese Persimmons and would like to know more con- cerning them. Can they be grown in muck? If so where can I get trees and instructions on planting and care‘I—O. 8., Decatur, Mich. —We do not recommend the culture of Japanese persimmon in this state. Without doubt many, of the soikintheststewouldbefound suitable for raising this fruit. but the Japanese menu are tend- er to .winter cold «and they would be sure to winter-kill horse—V. R. . W ‘ .. half and take’ ., nine acres of rye on the farm which ’ ~ we were to out with the Merstand- ‘ "ing that we were to leave the same ' amount of ground Savved to no 'nttloi—C. ,eylamofthe ,a 3 against when we left. Who should furnish the seed to plant this groundf—E. A., Elwell, Mich. - —-When a farm is let on the fifty- fifty basis, that is, the landlord gets one half of farm income and tenant one~half, such expenses as seed, twine, fertiliser, etc., are borne" in the same proportion as income is di- vided. In the above case the landlord would furnish one half of the seed and the tenant one half, providing the same number of acres are sown as were on the place when leased. This works out the same as any crop the tenant put in and harvested dur- ing the cropping season as potatoes, corn, etc.—F. T. Ridden, Research Asst. in Farm Management, M .A .C. ‘ LIABLE FOR DAMAGE You have always helped your readers when in trouble and now I would like to have you help me in my problem. This spring R. made a new line fence, placing oak posts 10 ft. apart and nailed on a new woven wire. R planted corn in his field 3 feet from his line fence. D had clover hay on his field across from R's cornfield and now after D har- vested his hay he put his cattle into the clever field, and they broke down posts and trampled over wire and ate a considerable amount of corn and broke down and tramped up a lot. R told D to repair line fence R made as it was just put up new or pay for damages and D says it's not his fence and he is not going to repair it or pay damages. Does D have to pay for damages or fix fence or does R have to repair fence and stand the. damage D’s cows model—Reader, Bay City, Mich. ——-Under the circumstances, I am of the opinion D would be liable to you for the damage done by his cattle to your land and the fence—Asst Leg- al Editor. ’ NOT OBLIGED TO TRANSPORT CHILDREN TO SCHOOL At our annual school meeting we voted to close our school, each scholar to go to the school nearest to their home. Two miles and twenty rods is the farthest any one of the children has to go. Some claim we cannot close the school- without arranging transportation for the scholars to some other school. Is this true?-—H. S. 8., Midland, Mich. —-—The State does not undertake to compel a district to maintain a school or to transport its children to another school district. 'It is within the power of the electors in the district to vote to have no school, ' according to their discre— tion. But if no school is maintain- ed, and no provision made for sending its pupils to another school, the district loses: its share of the primary school interest fund. SEE ATTORNEY Please advise if in your opinion there is any way to force payment of $28.00 wages due me for operating a tractor, threshing last fall? This party has repeatedly promised pay- ment but all his holdings are mort— gaged, even the threshing outfit is not paid for: Can I attach the machine which is left here in my neighborhood?——A. H. P., Gould City, Mich. —Compiled Laws 1915, Section 13, — 029, sets forth the requisite condi— tions to attachment proceedings. Under the circumstances, you will likely require the service of an at— torney to collect your debt, so I sug- gest you turn it over to a good law- yer, who will proceed by whatever means is most advisable. The facts you have given me are not, within themselves, sufilcieut to justify at— tachment proceedings.—Asst. Legal, Editor. RIGBII.‘ TO AGI'ION FOR DAMAGE * Can anyone collect pair from any:- one for running over a hen that is in the road when he could of missed herifhehsdofsloweddowns’ McQ, Granville. Mich. opinion have a legal right of action for "do. You wow .(1 I . .MW—aw.v_« W, p e I, “pup-'- l l < 4 i Sporty Style Silk Seal Plush Coat For Women and Mime. $103E? Where e ls 9 can you buy a enuine silk 3 e a so t, _ rous, eep pile . silk plush With full hn- ins of beautiful flow- ered ea te e n. Newest loose back flared style With belt. Wide 10-1n. shawl collar. two pock- ets and roomy bell sleeves. Length about 34 inches. omen’s sizes 34 to 44; Misses 32 to 38 bust measure. State size. Order No. 99E7000. S e n d no money. P $10.98 lsfled. Fur Trimmed Coat For Girls and Children $3123 Girl‘s stylish coat of 010 With warm Coney olar. Two nov— elty pockets. All-around belt. Novelty buttons trim pockets and belt. An amazingly low price. Sizes to money. Pay $4.48 and p o s t a g e on arrival. Same .quality for chil— dren, Sizes 2 to 6 cars. Navy 96E1458. rown 96E1460. Sen d no money. P a y $3.48 and postage on arrival. State Size. Women’s Patent Leather, Gunmetal or Brown Calf Finished , - Oxfords $12.8 e with i itation shield ggd and me alltion f gel-{$2, a ed vamp,- per or}! .8 stay and. Circular foxln Has medium rub- ber heel and medium point- ed toe. Sizes “"5 36" b 2. Ogy- er rown No. 98 23- 8 e n d n o moneg. P 3'? e on ar p s a - mil. wanted Men’sand Boys’ Sturdy Blucher Work Shoe 7!) L75 Brown or Black work shoe of durable leather. Solid leather inriftigolgoles. o . 12. ide widths onli. 9811158. Order Black y e d no money. Pay $1.98 and Ifiesta e on arrival. Order Boys' sizes 1 to 5V: by 0. e A554. rig: 1.89. Order Little Boys’ sizes 9 to 18V: 0. 98A555. “Price 81.19. Yes, prices that are absolutely rock-bottom. Sharood invites you to order any of these amazing bargains on approval. Don’t send one cent. Just letter or postcard brings you any of these smashed price bargains. Merely give Name and Number of each Article You Want. Also State Size and Write Your Name and Address Pialnly to Avoid Deiay- Pay nothing till goods arrive—then only the amazing bargain price and postage. If you are not delighted with your bargain for any reason at all. simply return the goods and your money will be cheerfully refunded. ORDER NOW. . Send No »Money---Pay on Arrival Manchurian Wolf Scarf $ 69 - Beautiful, soft. inex— en a i v e anchur- ian Wolf scarf lined . With Mes- saline eilk. ches large and bushy. rder Black Scarf 0y No. 96H9000. Order Brown Scarf by lilo. 96H9001. Send no money. Pay only $3.69 an postage on arrival. Women’s Fleece Lined Soft Black Kid Finished Com- fort Shoes $22-33 leather uppers have heavy splendid 11n- ing that keeps feet warm 3 . » toast in the most severe Winter weather. Ei- cellent grade natural oak leather soles and low rubber heels. A roomy last that is also dressy in appearance. Simply unbeatable value at Sha— roods low rice. Women’s Sizes 3 to 9, Wide widths. Order No. 96.1880. Send no money. Pay $2.29 and postage on arrival. ' Men’s F our-Buckle All Rubber Attics szy State Size Guaranteed best quality all_ rubber 4-buckle hi- cut artic for men. Made With double thick soles and scams. reinforced. Snow excluding tongue. Furnished in men’s sizes (hto 15. Wide widths. Sensational value. Send quick. Order by No. 96A9 Send no money. Pay $2.79 and post- age on arrival. Bulgarian Effect Gabardine Frock For Women and Misses $29}; An exceptionally attractiVe f 1 u a quality. cotton gabardine dress for women and misses. Long roll in shawl effect, sleeves and belt piped in re . Entire front of blouse enhanced With exquisite all-over embroidered de- sign in Bulgar- ian effect with rich harmonious colors. T w o a t r e a m are at both sides a id front. W .1 d e belt embroider- ed to m a to 11 blouse. Since for women, .3 to 44 bust; for misses 32 to 38 bust. State length desired. Colors. navy or 5'; , - bro w n . fr“ Order Navy by No. 96E7500. Brown No. 96E7502. Send no money. Pay postage on arrival color.‘ State Size. $2.9 an for either Heavy F leeced Union Suit 89CUP Men's heavy flat knit union suit of good quality cotton yarn, With heavy fleece lining. A sure protection from cold. (‘losorl crotch, flap seat, at scams. Knit cuffs at wrist and ankle. Sizes 34 to 46. Order Tan Jarger Color by No. 9661279. Send no money. Pay $1.29 and postage on ~54 fr: g-aauat ‘- arrivai. Order Gray Ran- dom Color by No. 960- 0. Send no money. Pay $1.29 and ostage on arrival. Order oys’ sizes 22 to 34 Tan Jaeger color by No. com 358. Pay 89c and postage on arrival. Walking, Oxfords $2 Women’s combination sport oxford with Log Cabin or gray suede vamp and quarter with contrasting brown calf or Patent Leather trimming at tip, lace row and. quarter. . One—piece genuine oak sole; low walking heel With rubber top lift. Sizes 2% to 8. Wide Widths. Order brown by No. 96.1119. Order gray by No. 98.1120. Send no money. Pay $2.98 and postage on arrival. BARGAIN Your order from this. Ad brings you our beautifully illustrated F ,s‘ REE This is Sharood's way of keeping you supplied with fresh up- , 1 . . to-date merchandise at the lowest prices in America—a method . vastly superior to the old way of sending out a. big catalog only _— once or We a ver- —prices guaranteed the lowest. 130 Page catalog of more than 4000 bargains in everything to wear. You get a new Bargain Catalog every 6 weeks. CATALOG Sharood's goods are always the newest' Bo Sure to Mention All Sizes-Colors, etc., and Send All Orders From This Page Direct to C0. An Econom- _ . _ sion height walking heel rublfier tipped. A Fur Trimmed ‘ Thihet Coat For Women $593 Another sensational value w in a arm wmter_ coat. The becoming model is of splendid [I‘hibet cloth in chOice of rich brown or navy blue. _ The ample collar is of genmpe brown Coney ur 'Joat is finished wth all-around self ma- terial belt and two patch pockets trim- med With pretty buttons. Imitation cufl‘ is also button trimmed. _C 0 a. t measures about 48 inches long. and comes in sizes 34 to 44 bust. Order Brown by No. 98E7094. Navy by 96E7096. Order Black by No. 96E- 7096. Send no Pay $5.98 money. a n d pos age 0 n arrival. State size. Men’s Sturdy Duck Coat $218 ' Also Comes in Boys’ Sizes AT $198 UP Always State Size Strongly made of serviceable dark brown duck wrth heavy blanket hning. large set-in pockets with flaps. Wide corduroy collar. Patent riv- etedjon buttons. Double stitched seams. Length 32 inches. Men’s Sizes. 6 to 46 chest. Order 3 No. 9632314. Price $2.98. Same style in be 5 sizes 8 to 9 years. No. 9682358. Price, $1.9 . Boys sizes 10 to 14 years, No. 9682359. Price $2.49. Send no money. lPay bargain price and postage on arrival. State Size. ical Dress Shoe for Women Women's black or b r o W n kid ‘ _ leather 'waiking boot in hi-cut lace style F a n c y. erforate .stitched w1t medal- on on toe; neat per forations at .vamp and ce row. edium exten< oak sole with roper . tinct rood bargain, suitable or dress or street wear. Soft kid finish leathers are dressy and comfortable. Sizes 2% to 8. Finish by No. 96.1195 $1.98. Flnlsh by No. 98.1184. Order Brown Ki Order Black Ki Wide Widths. NHNNEAPOLB NHNNFSOTA Dept. m IO M! Army mutilation all wool 8. one of 'o finest wooI serge and melton materials. 831.2%“. 193161 315:: um 1533311.. ”HM“. 332753133531; .1... .. _ ”3.11%.”; WWW Anny Pun WOOL ~ 111mm 89¢ Man I: ISM paging“ 1»:me Oli'prlce 1s 89c .' Id 1 use: We... °.“ 1'11. 2123115 .40me. er m _ 89c Plus to 46 30 Poems. 1w GENUINE WNHAM HEAVY WOOL UNION sul'fl M do tr e Quest 1; w “‘5' ”WW y rift gasp pear rl mcnt won (1 ordina; y 552.45 1"“ W Postage U. S SALVAGE Co; with your V “‘th your money fiififihlm .- “m" III II IIIIIIL $1.... ' bellows tongue solid ; gliding to its comfort :1; ter than any com- 233'11‘11 ghhfitigpwfiumfio 12 $2 9131:01511‘32 ”wool“ “918139“ hehvoy 901: 311111! fig,“ 3% fiwfoli Huvr OD ”it‘d—2 BLANK!” e troit. FOR FREE CATALOG wfifigaflutixfimghaes Vigelt‘ll ettzirgoge c _. home ewr 3:42am 1...... M M11111. .. .1..le m... 311...; 111% 51111. ”g m HELP WANpED H : —" Emsm mains axe 11111115~ ”WM,“ 1. 111.1111. W100 per Word. per Issues FARM A ND LANDS itnfi'é’. W11? 3051131111.“ 1.2le ‘ our the Public Shores, Michigan. #1110 I31 Grosse FOR SALE: FIVE ACRES 6000 BUILD- . I t. fruit (ity schools “1111111 “111111111; (115 32mg. “rite 151L511; Al \(A1 111.1191151m, ' has”: Bi. GENERAL ELECTRIC PLANT—FOR SALE. SILENT Alamo, 1311 11,.111s~ Perfect running order. FIUCI)S'1'ICI\ 1313.1'11x 1'31),Illk