4) \ ( 3 ar SS DIINO We i, Ge UN TEL, A on S Si CYA ZO A me OY OW: ZN ECG eK Ns SOV TN ~\ S\ ENE Lip oN: Se 4 I ‘e w ~~ d &) a dae) a ee RA CK in we EE: ‘ A CH =A) ba A aT ot L A Gy Hs 3 any vst / Va a LER; CK es C2 - _ UPC, a N \ A) OR re 5 eS Cr | >) 7 ey (| ie z 4 ee é ; \\ \ 7 ) CMA EHE WW cy ma , lS SS ae Sy N & Ga SH = A 5 PE NES Z RS. ‘ GSPUBLISHED WEEKLY (Gare be TRADESMAN COMPANY, PUBLISHERS Se SRS E LS SE SIO PD LS IOI RP OS Ny ,) wA yp 4G eR a Fy KS ly is q ) 7 Cw 4 SMEs 7 is Y (ea RFS SCR mai a iS) Ne NODC ER gtx. FLA 7 SAD C= Det) SSO k-SA Thirty-Ninth Year GRAND RAPIDS, WEDNESDAY, JANU ARY 4, 1922 Number 1998 NEW ERA ASSOCIATION Closed the year 1921 with a Special Meeting of New Era Cabinet held at 2 p. m. Friday, Dec. 30, Home Offices and PAID EVERY DOLLAR of ‘‘proven claims’’ leaving a net balance of over $30,000 greater than one year ago, leaving an aggregate mortuary reserve fund sufficiently large to meet two of the worst epidemics Michigan and Hlinois ever experienced. SOME YEAR! Ouer $40,000,000 now. in force. LAUGH! WE THINK SO! Three and one-half million dollars paid to beneficiaries. Never a contested claim where local members appeared against the New Era. Never failed of a quorum in twenty-four years. Never but two divisions on roll call. We challenge any business, religious, fraternal or social institution to produce any experience like it! This is positive evidence of the managers ) in New Era have also a real guaranty of a square deal. forty local managers and one State Manager. The successful combining of business and ethics. Officers and Salesmen ( We want right now five District Managers and public wants our goods. . Think of a ‘“‘whole life contract’’ paid up in twenty event of death before twenty years. years and double the face of the contract in Largest commission paid and the equivalent of a weekly guaranty as a drawing account for - the hustler. Life insurance men—organizers, Apply: traveling salesmen or professional men without experience. NEW ERA ASSOCIATION | Chas. D. Sharrow, President. C. L. Harvey, General Secretary. Grand Rapids, Michigan Grand Rapids Savings Bank Building Fleischmann’s Yeast is a Food Not a Medicine This is hot cake season— To serve them perfectly— use Franklin Golden Syrup And it builds up the health of your customers as medicine can never do. But the yeast must be fresh yeast—Fleischmann’s. Most so-called yeast-preparations contain only a small amount of yeast, and a large proportion of drugs. Your customers naturally look to you to put them straight in this matter. Don’t let them be misled. ; The Fleischmann Company Citizens Telephone Company Reaches more people in Western Michi- gan than can be reached through any other telephone medium. 18,764 telephones in Grand Rapids. Connection with 150,000 telephones in Detroit. USE CITIZENS SERVICE CITIZENS TELEPHONE COMPANY ee I cles Portland Cement ) A Light Color Cement 1 E.. . Si ake Manufactured on wet process from Petoskey limestone and shale in the most modern cement | - ) | plant in the world. The best of raw materials that’s 1d 4 LYolsa | and extreme fine grinding insure highest | ee : quality cement. The process insures absolute } ee uniformity. | ASK YOUR DEALER FOR IT. | DIAMOND CRYSTAL SALT CO,, ———_—_—— od SS PEO 7113S WSs t Ler Ue Petoskey Portland Cement Co. General Office, Petoskey, Michigan ee ez The Franklin Sugar Refining Company PHILADELPHIA VU ‘A Franklin Cane Sugar for every use’’ ‘Granulated, Dainty Lumps, Powdered, Confectioners, Brown, Golden Syrup ‘Quanits Causnens aio Cement Z Pust oF rue PEOSaEY — Cemeny Co. Fase nite we Pah, Ce At. = . = PSs) , ON a Number 1998 Thirty-Ninth Year GRAND RAPIDS, WEDNESDAY, JANUARY 4, 1922 7 piestanaei MICHIGAN TRADESMAN (Unlike any other paper.) Frank, Free and Fearless for the Good That We Can Do. : Each Issue Complete in Itself. DEVOTED TO THE BEST INTERESTS OF BUSINESS MEN. Published Weekly By TRADESMAN COMPANY Grand Rapids. E. A. STOWE, Editor. Subscription Price. Three dollars per year, if paid strictly in advance. Four dollars per year, advance. Canadian subscriptions, $4.04 per year, payable invariably in advance. Sample copies 10 cents each. Extra copies of current issues, 10 cents; issues a month or more old, 15 cents; issues a year or more old, 25 cents; issues five years or more old 50 cents. Entered at the _ Postoffice of Grand Rapids under Act of March 38, 1879. Stock Agents See Their Business Vanishing. B. E. Ludwig, the Albion merchant, in his capacity as chairman of the Insurance Committee of the Michigan Retail Dry Goods Association, recent- ly sent out a letter to the members of the organization urging them to patronize the Grand Rapids Merchants Mutual Insurance Co. even more lib- erally in the future than they have in the past. y Thereupon Clyde B. Smith, Secre- tary of the Michigan Association of Insurance Agents, with headquarters at Lansing, sent out a whining appeal to the members of the dry goods or- ganization to remain loyal to the lo- cal agents, even though the loyalty costs insurers 30 per cent. more than they could obtain insurance in and through their own company. Mr. Smith also resorted to the stock argu- ment of the old line companies that the mutual companies do not have millions of surplus (unnecessarily filched from the policy holder by ex- orbitant-rates) to nreet unexceptional losses, as the old line companies do. He also used some figures from an old report of the Grand Rapids com- pany in undertaking to substantiate his position. In reply to Mr. Smith’s puerile and ineffective appeal, Secretary DeHoog issued the following letter to his mem- bership: Grand Rapids, Dec. 24—My atten- tion has been called to a letter recent- ly sent to some of our members by Clyde B. Smith, of Lansing, who is the Secretary of the Michigan Associa- tion of Insurance Agents. Mr. Smith apparently had read one of the letters sent out by the Insurance Committee of the Retail Dry Goods Association, and is now following the tactics recommended at a convention of his Association. In his arguments against mutual insurance, he follows closely along the lines laid out by Edson S. Lott, President of the United States Casualty Company of New York. Ordinarily we pay very little atten- tion to this form of propaganda for stock insurance, but as Mr. Smith criticized our underwriting methods, and considering that some of our if not paid in members may not be clear how we take care of the amount of insurance we will accept on any one risk, we will once more explain our plan of operation. We will issue a policy for as much as $25,000. Out of this we reinsure not less than $22,000, except on fire proof sprinklered risks, on which we sometimes carry as much as $4,000 net. By the term “reinsuring,” we mean that we place a part of our liability with other companies. These com- panies allow us a commission on the btisiness ceded them, the same as they would ordinarily pay an agent, or they will return to us for reinsuring with our company an amount equal to that ceded them, so that each companv carries a number of small lines in- stead of a few large lines which might embarrass the company in case of a loss. Some of the companies we reinsure with are the Central Manufacturers, the Lumbermen’s Mutual, of Mans- field, Ohio, the Ohio Underwriters, iof Van Wert, Ohio, the Michigan Shoe Dealers, the Michigan Bankers and Merchants, etc. We do not exaggerate when we say that the assets of these companies, for every thousand dollars of insurance they carry net, is at least equal and is many cases above the assets of the average stock insurance company, as any one can see from the report is- sued annually by the Michigan Insur- ance Department. The companies mentioned above are all mutual companies. We do re- insure some with stock companies, but to save them from the persecution of the union stock companies, we do not publish their names, but we say this, that under our arrangement with a stock company we can afford to pav 30 per cent. dividend to the assured and have enough left to cover our office expenses. They, in turn, assure us that the business we give them is the most profitable on their books on account of the low loss ratio. M. Smith in his letter calls attention to the fact that we write insurance on some of our risks up to $100,000. This is true. Those of our members who have given us insurance in excess of the $25,000 we take on our own policy know that we place the entire amount over $25,000 with the National Under- writers, whose service has been ex- tended to us through the courtesy of James S. Kemper, Manager. Mr. Kemper is perhaps better known as the insurance member of the National Association of Commerce. The National Underwriters are not an insurance company in the sense that they carry any of the risk them- selves. They are more like a clearing house for a number of large mutual companies. is as follows: All insurance written on their policies is spread proportionately over the associated companies; giving each company a net line of from two thous- and to five thousand dollars. The as- sets of these associated companies ex- ceed $4,000,000. If a loss occurs it is paid by the Chicago office and the as- sociated companies are assessed pro- portionately as their individual inter- ests may appear. We call the attention of our mem- bers to the fact that, on Dec. 1 of this year our total assets were $24,- 093.01, notwithstanding the fact that we had but a slight increase in our premium receipts as compared with the first eleven months of 1920; and further notwithstanding that we havé Their plan of operation. paid a 25 per cent. dividend on all policies as they matured. Let us not get discouraged when stock agents assault our mutual com- pany. It is only their wail of despair over lost opportunities as they see the handwriting on the wall and begin to realize that, once the eyes of the American public are opened to the graft to which it has been exposed, the day of the stock company and its elaborate and costly agency system is done forever. There is now hardly a month but what some member of Mr. Smith’s Association asks permission to write insurance for our company, usually stating that he can see the advantage of mutual insurance and wishes to change his office from a stock to a mutual insurance office. “Tet the fittest survive.” Insurance history shows that following all great fires the mutual companies have paid their losses more promptly and have survived better than the stock com- panies. There are at present in the United States seventy-nine stock companies and one hundred and eighteen mutual companies over fifty years old. Of these mutuals there are seventy with cash assets of $200,000, while twenty- four have over $1,000,000 in cash as- sets each. There are to-day eight mutuals over 100 years old. The first fire insurance company organized in the United States by Benjamin Frank- lin in 1752, and which is still doing business on its original plan, is a mutual. Another member writes Mr. Smith as follows: Lansing, Dec. 24—The Christmas rush is on and I cannot take time to answer the arguments of your circular letter dated Dec. 15, but would respectfully refer you to any eighth grade school boy or girl for the enlightenment you surely need. As a member of the Dry Goods Association iastic supporter of its mutual fire in- surance benefits, I am taking the time to thank you for the splendid publicity your letters gives our company. No doubt you have mailed these letters to most of our membership, the psycholog- ical effect of which will be to urge each member to increase his line in his own mutual company. Whatever compunction I may have felt about the fate of old line companies and their agents has been dispelled by the contents of your letter. Then _ too, why worry anyway, take the case of the bar- tender, whatever remorse we may have felt for his future was time wasted, they are all making an honest living now. As fast as the balance of my old line policies expire and remembering your letter, I shall experience no further temerity in having them transferred to our own company. Michigan Retail and an enthus- Relation of the Retail Grocer To His Customer. Cadillac, Jan. 3—The Retail Ledger, Philadelphia, of Dec. 21, contains an article copied from the Manufacturer, the official organ of the Manufacturers Club of Philadelphia, which says, “Re- tailers right now are mulching the public for profits ranging from 250 to 500 per cent. and more.” It is not the purpose of this article to speak of the truth or falsity of the above statement, but it is given here simply to show the actual profits re- ceived in order that your customer may know that you are not the goug- ing, profiteering villain some publica- tions and organizations accuse you of being. No doubt the Manufacturers’ Club of Philadelphia or its members demand summer time products on their winter table, lettuce, asparagus, brussels sprouts or ripe tomatoes. If so, they should expect to pay the price neces- sary to cover the unavoidable loss caused in handling this class of sum- mer goods in the winter time. Men in the grocery and meat busi- ness, if you have concrete examples of unfair methods, why not make them known to your customer, usin» the advertising space you are now giving free to advertising the goods that are yours and that you are passing out to vour customers at a very small profit? Keep faith with your customer. Buy the goods which give you a fair mar- gin and push your business every minute with the goods that you own, regardless of how well the other fellow’s goods are advertised. Some manufacturers seem to be- lieve that it is their just right to tie you up to such profits as they think best and the following illustration will serve to show how manifestly unfair a deal is being imposed on you as a retailer, by this particular manufactur- er. It may be he is a member of the Manufacturers’ Club of Philadelphia. These goods are sold to the retail- er through the jobber at 90 cents per dozen packages. The packages,: in turn, are intended to sell for 10 cents each or $1.20 per dozen, a gross profit of 30 cents. Your expense of selling these goods is 20 per cent. or 24 cents, which brings your sale price down to 96 cents. This leaves you the magnifi- cent sum of 6 cents on your invest- ment of 90 cents. Now for these same goods your jobber pays 76% cents and sells them for 90 cents, a gross profit of 13% cents. His expense of doing business is 7 per cent. or 61% cents, which brings his sale price down to 9334 cents, leaving him the sum of 7% cents on his investment of 76%4 cents. You will notice the profit to the jobber is 1% cents more than to the retailer and yet the job- ber is just as necessary as the re- tailer; but when you, as a daily as- sociate of the friends whom you call customers, devote a portion of your time in an effort to correct these in- equalities in your relations with those whose goods you sell, then and only then will you have taken the first step towards. solving the problem now claimed to exist in the advantage of the mail order house and chain store over the independent retailer. February 21, 22 and 23, at Bay City, some of these problems will be handled without gloves and if you have a desire to be regarded by your customers as interested in their wel- fare, it is to your interest to unite with those who are now fighting the battles that are helping to place you in the public mind in the right light. The program for the coming con- vention will be of much interest to retailers of both groceries and meats and it is hoped that you who read this will lay your plans so you can attend. J. M. Bothwell. ————_22>—_—- Resolutions. Resolved: To save my money And lead a frugal life. Aesolved: To do my duty And still abstain from strife. Resolved: To give up smoking And never touch a drop. Resolved: To heed the speed laws And ne’er offend a cop. Resolved: Ta quit complaining And smile whene’er I can. Resolved: To cease from knocking And praise my fellow man. Resolved—but what’s the use of My plunging in so deep? lve made more resolutions Than any man could keep. —_~+2.->———_ A man who is “too busy to read a trade journal” is headed for the bank- ruptcy court and the poor house, 2 Auto Depression Has Not Yet Reached Bed Rock. El Cajon, Calif.,; Dec. 23—California has just experienced another one of its “very unusual extremes.” This time it has been an extraordinary fall of rain. A few weeks ago it was “an unusual” blow. Last summer it was an unusual cool summer, unusual hot fall. etc. In this country any condi- tion that is less than 100 per cent. perfect is termed as an ‘“inusual” one! Last Saturday night, rain began to fall (the first since Oct. 1) and for five nights and days, it was one heavy shower after another, until the ground had absorbed. moisture to bed rock, and the surface run off had filled the natural lakes, dams and impounds to overflowing. All the “ghost streams” became live rivers. Low flats became miniature lakes and roads and bridges were washed out by the mile along the coast. Los Angeles county re- ports a fall of twenty-five inches in three days. The annual average rain- fall for San Diego county is said to be about eleven inches. Last year it was but nine inches, “an unusual light rain fall.” The water condition was getting to a serious point. Impound levels were below danger lines and conservation was the order. Now comes a rainfall of six days and water is running to waste in the ocean. If anything breaks the heart of a Southern Californian, it is to see running water going into the ocean. He knows the time will come when we will need it mighty bad. I have not heard what the total fall has been up to this morning, but it was 365 inches the first forty-eight hours, for this valley, so I guess it will reach eight or nine inches all right enough. North of here considerable damage to side hill ranches has been done. My side hill orchard is “contoured”- benched or terraced—so heavy rains do not cut it up, and we get full bene- fit of all the moisture that falls. The sun shines between showers to-day, so I look for a clear day to-morrow. I presume you read that report on the Babson speeches to Detroit busi- ness men and manufacturers. That must have jarred some of those opti- mistic auto makers and. writers. | have been contending right along that most of this optimistic talk, about the auto demand “returning to normal,” “coming back to its own,” etc., was bunk. The man who says the auto market is not saturated is either de- liberately misrepresenting or is blind to conditions that a blind man ought to ste. With a saturated market, no sales can be possible much in excess of the mortality. With 40,000 dealers car- vying $300,000,000 worth of used cars, (as has been reported by the dealers National association) which I very much doubt, I do not see as many new sales in sight as were made the past season. From reports more or less reliable, seven out of every ten sales GE new cars, meant an old car im ex- change, which meant but three new buyers to be added to the total users, and this cannot be so very far off, as total registrations have not increased in proportion to output of new Cars the difference must be “trade-ins.” With such an enormous stock of sec- ond hands, to supply those who can not pay the price of a new car and nearly everybody with a car, I don’t see how makers are to find a market for more cars than will go to the junk pile. Like Babson, I believe the auto de- pression has not reached bed rock and ‘hat the optimistic reports are more xr less propaganda. So many securi- ties are in the hands of those who ‘ould like to unload—and can’t’ with- out big losses—and so many _ banks have out big loans that a revival of market prices of auto securities would be welcome and much propaganda re- sults. If the financial institutions could get out from under with little loss, they might withhold further support and the industry would go to smash for sure, MICHIGAN If makers adjust themselves to the reduced demand for a year or two, get big profits, let prices alone on all cars under $2,000, improve toward economy in building costs and add savings to car values, giving buyers better value for present price, help dealers to dispose of their used stocks and by making it possible for them to buy parts for rebuilding at reason- able prices. They will thus pull through to 1924 or 1925, with little profit if well managed. But to expect a return to those big profit days is foolish. The present type of car can not be made much cheaper and give the public what it demands. A new type that would send present cars to the cemetery and replace them is the only condition that will make for a market greater than the mortal- itv. Increase in wealth of individual will only send an owner from his cheap car to a better one, and his old car may reach a new user if it sells at less than $200. We see thousands of owners with cars which cost them less than $150. From reading of a dozen of the an- nual financial reports of the best man- aged, best financed, and best organ- ized makers for distributing their product, it must be plain to those who have been on the inside and familiar with auto making that the best of them had narrow escapes from deficits, and V’ll venture most of them will charge off as much next year as this and that the big end of their winnings will be absorbed in one way and an- other. If a dozen of the best succeed in paying dividends on legitimate cap- ‘talization and have the needed sur- plus, they ought to be well satisfied. Private holders of securities in the good concerns will do well to hold them for a long pull, but avoid buying on an upward market, for that will mean the large holders are selling, or manipulating to. sell. When makers pay dividends regularly and add to their surplus, price of stock will re- flect the conditions; but when securi- ties advance on such showings and with present trade outlook, it is a good time to stay out. Even conservative “hook values” are not now safe. Dis- count them 50 per cent. for the next two vears, and it won’t be too much, if conditions are as now. The automobile industry will pull itself into line and become a safe manufacturing business if reasonably well managed, and it won’t live if not. A lot of waste and a_ horde of barnacles will be eliminated. J. Elmer Pratt. —_22>—__ How To Speed Up Sales For 1922. Written for the Tradesman. It is only fair to assume that every wide awake grocer is particularly anxious to speed up sales and obtain for his store a greater volume during 1922 than was registered during 1921 and, therefore, is vitally interested in ways and means which he may apply to his business as a means to this end. Some little plan or method, particular- ly new to his business, may prove just the thing, acting as a stimulus to his sales and proving the means of placing stilts under his sales and boosting them to a greater volume during the new year. Here are a few “little” plans and methods that should prove “big” business-builders and which may be employed in speeding up sales with splendid profit. Set-Your-Own-Price Sale. Here is a stunt which the grocer may employ with wonderful success as a stimulator of sales and a builder of goodwill if properly handled and gives the right sort of publicity. This sale should be exactly what its name implies and for this occasion, a large and yaried stock of merchandise TRADESMAN should be selected for entry in this sale. In planning for this event, a definite date should first be set for its inauguration. The period set for this sale may be from one to three days duration, depending largely upon the size of the community in which the store is located as well as the size of the store and its prominence in the community. Then in preparation for this event, the merchandise which has been selected for the sale, should be given prominent display within the store, using, if possible, large display tables. The show windows may also be used to advantage in displaying the merchandise and announcing the event. A part of the merchandise may be arranged in groups, having various assortments made up to be sold as a whole, while the balance of such merchandise may be arranged in quantities, such as_ three, six and twelve cans of various goods, as well as packages. Each group should be numbered and the number placed with each group. ; The event should be given wide pub- licity through the columns of the local newspapers, using large display space, or direct-mail literature may be used should it not be advisable to use news- paper space, anouncing to the com- munity this “Set-your-own-price” sale, calling attention to the large display of merchandise at your store which has been entered in this sale and in- viting all to visit the store and “set- their-own-price on such of this mer- chandise as they might desire, stating that all merchandise thus displayed will be sold without reservation to the highest bidder. No doubt, because of the uniqueness of this sale, the local newspaper shall be glad to make a news item of it and thus give the event free advertising in the news columns. A large supply of cards should be provided upon which each customer who wishes to enter a price upon any group, may fill out, entering the num- ber of the: particular group which is bid upon, the price they wish to bid and also their name and address to- gether with telephone number. A sep- arate card should be used for each bid, no matter how many different groups the customer may bid upon, Envelopes should also be provided in which to place these cards and to be sealed by the customer and deposited in a re- ceptacle provided for that purpose. At the close of the sale, all bids should be removed and opened and announcement made of the highest bidders. Of course, the sale should be conducted upon a cash basis and so advertised. The uniqueness and novelty of the sale is sure to attract considerable at- tention and bring an unusuall large number of people to the store and should prove profitable from every viewpoint. EE ea ea ook aeara cas lineal January 4, 1922 Ler every busi- ness resolve to have its books au- dited periodically and by Certified Accountants on whose experience and judgment it can rely. SEIDMAN & SEIDMAN Accountants & Tax Consultants Grand Rapids Savings Bank Bldg. GRAND RAPIDS New York Washington Rockford Chicago Newark Jamestown Lee ‘‘A MOTOR CAR is only as good as the house THAT SELLS IT.” We consider our Service organization second to none in Michigan. Consider this when you buy your NEXT CAR. Pierce-Arrow Franklin Oldsmobile F. W. Kramer Motor Co. Grand Rapids, - Michigan ’ ' A NEW ORGANIZATION The Calendar Publishing Co. G. J. HAAN, President and Manager. 1229 Madison Avenue Grand Rapids, Michigan Druggists’ Weather Charts and Art Calendars. Wait for our Salesman. «a a January 4, 1922 MICHIGAN TRADESMAN A Tub Sale. An Eastern merchant availed him- self of an opportunity which was ex- tended him for purchasing a large supply of galvanized washtubs at a particularly attractive price. Here was, in this particularly attractive purchase, an opportunity for building sales for his store and immediately arranged to stage a special galvanized washtub sale.. Being located in a rural com- munity, he selected a Saturday as the logical day for this event and upon this occasion he announced that he would present each purchaser of a galvanized washtub upon this Satur- day with four bars of their favorite laundry soap. This announcement was given wide publicity throughout the community. A large display of tubs was arranged upon the sidewalk in front of the store, accompanied with a large display card calling attention to the offer. The sale proved a real success, increasing the store’s sales for the day by a nice margin and net- ting the merchant a good profit be- sides. Any number of customers pur- chased two tubs and scores of them purchased other merchandise while in his store. A Candy Sale. Another grocer availed himself of an opportunity to purchase a goodly supply of candy kisses at a specially low figure, purposely to use as a Sat- urday special. He set a price of 12% cents per pound upon these kisses and announced this special far and wide. In view of the fact that almost any sort of candy had been selling at 25 cents per pound and up, this special price of 12% cents attracted much favorable attention and the offer proved a real stimulus to sales, bring- ing scores of people to the store that would not otherwise have come and resulting in the sale of a large quan- tity of goods other than the candy. The supply was sold out long before the demand had been satisfied. A Sat- urday special can almost always be counted on to stimulate sale and a slight less may profitably be charged to advertising. Walter Engard. (Copyrighted, 1921.) —__>+>—____ Grocery Firms Merge. Merger of the Western Grocery Company and the Green & DeLaittre Company, both wholesale grocery es- tablishments of Minneapolis, Minn., to become effective Jan. 1, has been an- nounced by Frank C. Letts, of Chi- cago, president, and A. A. Nelson, manager of the Minneapolis branch of Western Grocery Company. Both companies have carried on a large city and country business for a num- ber of years, and the combined c¢s- tablishment will be operated on a still larger scale. After the consolidation the business will be carried on under the name of the Western Grocery Company. The Green & DeLaittre Company is located at 500 Third street North and has the larger of the two buildings occupied by the firms. It will house the new business after the present home of the Western Gro- cery Company, at 426 Second avenue North, is sub-leased. The Green & DeLaittre building has trackage, which the Western Grocery Company lacks. The Value of Comparison Everything—from people to groceries—is compara- tive. It is by comparison we learn the true value of things. Quality for quality, service for service, price for price, we invite your comparison. You can prove for yourself that we sell quality goods in a quality way—and at reasonable prices. QUALITY—VALUE—SERVICE We were never more able to satisfy your fine coffee requirements than now. We have fortified our blends with the freshest and most desirable store of fancy coffees possible. Our buying department, having successfully passed through the uncertainties of pre-war and post-war condi- tions, very happily found itself in a position to produce roasted coffee. Our peremptory and substantial price reductions during this reconstruction period not only brought us compliments, which we appreciate, but a very positive increase in volume and many new friends. By immediately passing along this fair price pos- sibility, we have the satisfaction of feeling that we have materially recognized the desire of thousands of mer- chants in a prompt return to SAFER AND SANER PROSPERITY. : WoRDEN (;ROCER COMPANY Grand Rapids—Kalamazoo—Lansing The Prompt Shippers norco 4 MOVEMENT OF MERCHANTS. Hillsdale—G. E. Harlan has opened a grocery store and meat market on East Bacon street. Trout Creek—The Weidman & Son Co.. has changed its name to the Weidman Lumber Co. Mount Morris—Fred Powell & Son, recently of Gladwin, have engaged in the hardware business. Union City—The Atlantic & Pacific Tea Go. has opened a store here, un- der the management of Guy Jones. Detroit—The W. E. Waite Co., 5636 Dix street, jeweler, has increased its capital stock from $6,000 to $40,000. 3ath~—Dr. Crum has opened a mod- ern drug and drug sundries store in the new building he erected for that purpose. Ann Arbor—Wagner & Co., men’s furishings and merchant tailor, has increased its capital stock from $20,- 000 to $25,000. Hillsdale—Vern Breeland has sold his meat stock and butcher’s equip- ment to William Miner, recently of Pittsford, who has taken possession. Detroit—The Lipphardt Co., 6552 Woodward avenue, dealer in clothing and men’s furnishings, has increased its capital stock from $10,000 to $20,- 000. Fremont—-Ray J. Purcey has pur- chased the jewelry stock and store fixtures which he formerly owned, of A. Ray Jennings and will continue the business at the same location. Munising—Thorlief Holter has sold a half interest in his heating and plumbing business to Lawrence Shar- key and the business will be continued in the Central building, under the style of Holter & Co. Detroit—The Groskoph Paint Co., 127 West Woodbridge street, has been incorporated with an authorized capital stock of $5,000, $2,880 of which has been subscribed and paid in, $1,- 130 in cash and $1,750 in property. Grand Rapids—The Tisch-Reim Corporation has been incorporated to conduct a general important and ex- porting business, with an authorized capital stock of $25,000, all of which has been subscribed and paid in in cash. Muskegon—The Allen-Webster Co. has been incorporated to deal in wom- en’s wearing apparel, millinery, etc., at retail, with an authorized capital stock of $10,000, of which amount $5,020 has been subscribed and paid in in cash. Petoskey—D. C. Osborne, dealer in flour, feed, building material and pro- duce, for the past forty years, has sold his stock to Frank Gruler & Sons, who will consolidate it with their own stock of the same lines. Mr. Osborne will retire from trade. Lansing—C. L. Lachance, dealer in clothing and men’s furnishing goods, North Grand avenue, has sold his stock and store fixtures to Dudley Luce, State agent for the Providence “Vashington Insurance Co., who will take possession Jan. 7. Detroit—The O’Connor & McPher- son Co., wholesale and retail dealer in hotel and restaurant equipment and supplies, has merged its business in- to a stock company under the same ‘style, with an authorized capital stock Dein MICHIGAN TRADESMAN of $150,000, of which amount $57,100 has been subscribed, $1,683.19 paid in in cash and $55,206.31 in property. Petoskey—The Petoskey Cigar Co., one of the well established wholesale and retail stores of the city, has been purchased by George T. Parr and Fred H. Sifert, who plan to continue the cigar store and billiard parlor. Al C. Loveplace, retiring prporietor, will retire from the retail end of the busi- ness and devote his activities to the wholesale exclusively. Manufacturing Matters. Jackson—The M. & K. Corset Co, has changed its name to the Kellogg Corset Co. Plymouth—The H. S. Lee Foundry & Machine Co has increased its cap- ital stock from $50,000 to $100,000. Allegan—The Owen-Arnold Co., manufacturer of caskets and funeral supplies, has changed its name to the Owen-Bolles Co. Rochester—The Bradt Wheel Co. has been incorporated with an author- ized capital stock of $16,000, all of which has been subscribed and $5,000 paid in in cash. Detroit—The Household Products Co., 563 Dickerson avenue, has been incorporated to manufacture and sell chemical products for domestic and commercial purposes, with an author- ized capital stock of $5,000, $2,500 of which has been subscribed and paid in, $2,000 in cash and $500 in property. —__»+2——_- Practices What He Preaches. Judge Frank S. Verbeck, Vice- President of the Michigan Hotel As- sociation and owner of Cedar Springs Lodge, at Glen Lake, who was the guest of President Barnes, at the din- ner of the Chicago Hotel Men’s Club at the Blackstone, Dec. 12, respond- ing to the toast “Live and let live,” enjoys in addition to the admiration of his many .Wolverine hotel friends, a position of uniqueness in the hotel field. His hotel, open for summer busi- ness only, at once attractive and pop- ular, is the personification of homi- ness. On arrival there the first thing which meets the eye of the guest is a placard in the reception room like this: “This is your home. rules and regulations. self.” In the dining room: “You will not be talked about in the kitchen if you ask for additional helpings.” “Tf you crave something we are not serving, let us know what it is and we will provide it if possible to do so.” We have no Help your- An “underground” telegraph system advises the Judge of anything like criticism of the hotel service thus en- abling him to eliminate shortcomings without embarrassment to the guest. The Judge has been spending some weeks in Chicago, fraternizing with his summer guests. He strongly cham- pions the claims of traveling men for lower hotel rates and conscien- tiously practices what he preaches.— Hotel Review. ————_»-.->—___ Things seldom get so bad that they couldn’t be worse. Review of the Produce Market. Apples—Wagner, Greenings, Spys, Jaldwins and Russets command $7 @9 per bbl.; cooking apples, $7 per bbl. Box apples from the Coast com- mand, $4 for Jonathans and Spitzen- bergs. Bagas—Canadian, $2 per 100 Ibs. 3ananas—/%4ec per |b. Beets—$1 per bu. Butter—The slump predicted by the Tradesman last week has oc- curred and still lower prices are con- fidently expected. Local jobbers hold extra creamery at 38c in 63 Ib. tubs for fresh and 35c for cold storage; 39c for fresh in 40 Ib. tubs. Prints 40c per lb. Jobbers pay 20c for pack- ing stock. Cabbage—$4.75 per 100 Ibs. Carrots—$1.40 per bu. Celery—$2 per box for home grown, Calif., $4 per crate of 6 to 7 doz. Cranberries—Late Howes command $25 per bbl. and $12.50 per % bbl. Cucumbers—lIllinois hot house com- mand $4 per doz., for extra fancy and $3.50 per doz. for fancy. Eggs—The market continues to de- cline and is very weak. Local deal- ers are paying 42c for fresh. Cold storage are selling on the following basis: Fixteag 2202 41c Nicsts 200 39c Firsts in cartons ~--------.---- 43c Seconds ~---------------------- 32c (Checks 22.003 30c Grape Fruit—The demand is good. Present prices are as follows: 86 ee $4.25 165400 4.50 64-70-30 2 4.75 OC ee 4.25 Grapes—California Emperors com- mand $7.75 per 30 Ib. kegs; Spanish Malagas fetch $12@14 for 40 Ib. keg. Green Onions—Shalots, 75c per doz. bunches. Lemons—Sunkissed are selling on the following basis: 300 size, per box ---------------- $6.00 270 size, per box ---+------------ 6.00 240 size, per box —-----.--_-_-=-- 5.50 Choice are held as follows: 300 size, per box -------------- $5.50 240 size, per box ~--------------- 5.00 Lettuce—Hot house leaf, 20@22c per lb.; Iceberg from California, $5@ 5.50 per crate. Onions—California, $6 per 100 Ib. sack; home grown $5.50 per 100 Ib. sack; Spanish, $3 per crate. Oranges—Fancy California Navels now sell as follows: 90 and 100 __-.----------------- $7.25 150, 176 and 200 --------------- 7.50 ho 7.50 oe 7.50 oe ie nse eee Rca ae 6.50 Ce 6.00 Parsley—60c per doz. bunches. Peppers—Florida, $1.25 per basket. Pineapple—$9@10 per crate for Florida. Potatoes—The market is weak. Lo- cally potatoes are selling at $1 per bu. Poultry—Local buyers pay as fol- lows for live: Turkeys -------------------- 38@40c° Geese (22322 2./.- ee soe bee 22c¢ Choice Ducks -------------- 20@22c Light fowls -------------------- 16c Heavy fowls ------------+--7-77" 19¢ ee ee a i eo eines slvaa aka race oacocnsoutakchaa abun stincnnesenh saekiabi Sil eimAaAeaee January 4, 1922 Light Chickens ---------------- 14c Heavy Chickens ---------------- 19¢ Dressed turkeys, 5c more than live; dressed chickens, 3c more than live. Radishes—85c per doz. bunches for home grown hot house. Squash—$2.75 per 100 Ibs. for Hub- bard. Sweet Potatoes—Kiln mand $2.50 per hamper. Tomatoes—$1.50 for 6 Ib. from California. dried com- basket —_—_—_»+2—__—__ Lobster Catch a Failure. Lobster fishermen at Nova Scotia realized only about one-half the in- come they expected from the special six weeks’ fishing season for lobsters beginning November 1, which was granted by the Dominion Fisheries Department to the fishermen along the Southwestern shore of Nova Scotia. At normal prices the catch would have been worth $500,000, but it brought only about $250,000. The result is generally regarded as a failure, al- though in Halifax county, where the catch was not offset by heavy losses of traps in storms, some of the boats earned $100 a month. One reason for the partial failure was that the lobsters taken were not in proper condition for canning, much léss for fresh markets, as their shells were soft and the flesh poor. Never- theless, the special season caused con- siderable loss to the fishermen of Maine and New Brunswick, who or- dinarily have the early winter mar- ket to themselves, as it tended to glut the American market and cut prices. Local fishing authorities say. the fishermen of the Southwest shore of Nova Scotia will in future years be content to wait for the regular open season for lobsters, beginning March 1, when the lobster catch will be of greater value. ——___—_. oe Candy for Canines. By treating pet dogs to bits of candy, a candy store in Harrisburg has developed a dog-candy trade with the pleased owners. — a a The announcement by the Depart- ment of Justice of a plan to conduct another “probe” of food and clothing prices has evoked no excitement in the businesses affected. There is a tendency in some cases to deprecate the step as only another instance of the Government’s evident determina- tion to stay in business, and the fear is aso expressed that the publicity given to the investigation may tend to destroy confidence in prices, create uncertainty, and thus delay the progress of readjustment. It is pos- sible, however, that the move may have beneficial results. If the profiteer- ing persists the sooner it is exposed the better. If the Government, how- ever, by means of this investigation should establish the fact that retail prices for food and clothing are fair and reasonable, the effect in establish- ing greater confidence on the part of the buyers will be beneficial. It will be recalled that the President’s ques- tioning of prices in his address to Congress some months ago gave the ' retailers an excellent opportunity to state their case to the country, through their National organizations. There is a chance that this may be repeated, January 4, 1922 Essential Features of the Grocery Staples. At the opening of 1921 most job- bers and canners found themselves with large stocks of goods which they had acquired or packed at high costs. Retailers were also heavily stocked so that, for the first six months of 1921 most dealers and producers found themselves facing a chaotic condition. On July 1 things began to clarify, but a tremendous loss to all handlers of food commodities. Early in the spring, the time when supplies to be used for the following year were contracted for, most par- ties exercised a great deal of cau- tion in both packing and contracting for supplies. All of the goods which were car- ried over from 1920 are now con- sumed and as jobbers and retailers did not anticipate a twelve months’ supply, stocks are naturally light. There has been a good deal of dis- cussion about methods of handling foods, but the fact remains that on all seasonable varieties, such as can- ned vegetables, canned fruits, etc., unless they are put up during the time of plenty, there will never be enough to bridge over from the per- iod of production until the next per- iod when the raw material is avail- able. Therefore, a good merchant must necessarily at least anticipate a large requirements twelve months in advance. Most people do not realize it, but the tin can is to fruits and vegetables what the cold storage warehouse is to provisions, and unless they are put into storage at the time of their maturity they are not available to be,eaten later. Most foods to-day are much cheap- er than they have been for the last two or three years and are probably as cheap as they can be until wages, railroad rates, etc., drop back to somewhere near normal. No one can tell at the present time what the new normal price basis will be. While 1921 has been discouraging in a good many ways, we feel that what has happened is for the best, and that from now on we will be progressing under more favorable conditions and on a sounder basis. Sugar—The refined market remains quiet and unchanged, with Western cane refiners quoting 4.80c basis, and Eastern can refiners 4.90c basis, with the exception of Federal, who are openly quoting 4.80c and Pennsyl- vania, who, while listed at 4.90c, are delivering sugars from consignments in certain markets at 4.80c and Sa- vannah, who are quoting 4.90 in the coast states, quoting 4.80c West there- of. Beet refiners’ prices remain un- changed at 4.60c basis. Local quota- tions, same as last week. Tea—There is more or less specu- lative buying in the tea market now. It is no longer a matter of doubt that this year’s supply of the more de- sirable grades of tea is going to be light owing to crop failures. This is making holders very independent about offerings and making buyers very anxious to risk a little on the market. This practically applies to part of his all grades of tea, but particularly to MICHIGAN TRADESMAN Japans. Tea should be very good property at present prices. Coffee—Coffee is a shade weaker at this writing than it was a week ago, all grades of Rio and Santos being a fraction below last week’s prices. Milds are quiet and show no parti- cular change from the last report. Canned Fruits—Without any fair sized jobbing demand the California fruit market is featureless. Sales are of a routine character and are plainly only placed to relieve positive short- ages. No general buying for future distribution is occurring. The spot market rules easy, while the Coast is firm and is not offering freely. Hawaiian pineapple is in moderate jobbing demand. No prices have been named on winter pack and none are likely as the fruit, on account of the short pack, will probably be sold as it is canned and at prevailing prices. Apples are selling all of the time in fair sized blocks for immed- iate distribution. Canned Vegetables—Tomatoes are the most conspicuous example of ac- tivity and higher values. Southern developed remarkable canners have packs have firmness and some placed a limit of $1.05 on their No. 2s, $1.45 on their No. 3s and $4.75 on their No. 10s. As a basis of actual trading the market is $1, $140 and $4.50 for the three sizes. No. 2s at $1 are getting harder to find in the Maryland belt. Some fair sized buy- ing orders have been placed of late. More attention is also being paid to California tomatoes than a month ago. The Italian trade has been buy- ing on the Coast and has been paying $1.25 f. o. b. California for No. 24s, against $1.1714 a short time ago. The stiffer Southern market makes it eas- ier for California tomatoes to com- pete in the Eastern markets. Stan- dard sweet peas are so difficult to find in Wisconsin that brokers have pretty well given up the job of hunting for them. Light supplies of Alaska stan- dards are to be secured, but about the lowest factory price is $1.20. Stan- dards are in shorter supply in Wis- consin than in several years at this season. Extra standards are being held for more than buyers consider them worth and hence they are in- active. Fancy are scarce. Corn re- mains the same, dull and in free sup- ply in the standard grade. Fancy corn is scarce and gther vegetables show no change. Canned Fish—Buyers are not ready to pay $1.10 for pink salmon on the Coast or $1 for chums. Sales are being confirmed at these figures, but orders are not general. Red Alaska is firm but quiet and no increase in demand for medium red is to be not- ed. Fancy chinooks are practically cleaned up in the West and are hard to locate on spot. Sardines rule quiet. The demand is of a peddling charac- ter, but the tendency among canners to hold for a better market offsets the slow movement and keeps prices unchanged. Tuna fish sells in small blocks and rules steady. Other fish are quiet. Dried Fruits—Despite the lack of substantial movement, the market in all lines is remarkably firm in Cali- fornia and packers are decidedly firm They can view the future in only one way—a very satis- factory clean-up of the 1921 crops at higher prices than those now pre- vailing. They are holding their goods with this idea in mind, but buyers fail to accept this turn of affairs or are unwilling to contribute to it by buy- Until in- ventories are over the chances are the spot dried fruit market will drift. Prunes rule firm in California on the basis of the new quotations recently made by the Association and fully met by independents. There has not been much buying on the Coast of late for forward shipment and the movement on spot is also restricted, the latter being mostly in small lots Apricots are so seldom offered from the Coast that jobbers are beginning to realize that Blen- heims and Royals are exhausted. What few remain have been practical- ly withdrawn from the market, to be offered later when the spring demand develops. Peaches are below their usual volume in the West and jobbers’ in their views. ing freely at the moment. ot all sizes. stocks are abnormally light. In con- sequence, the market is easily main- tained. Raisins continue at irregular prices on spot, as weak sellers are still liquidating. Few quotations are being put out of California as all factors are more or less out of the market, knowing that there is little demand in the East for forward ship- ment at the turn of the year. Cur- rants sell in a small way. No buying orders are being placed in the primary markets. Syrup and Molasses—Glucose and compound syrup have put in a steady week but the demand was light. Su- gar syrup is not wanted at all and prices are decidedly easy. Molasses is in fair demand at unchanged prices. Pickles—Jobbers have not begun to restock for the late winter and spring movement, but are using their own goods for the most part. Primary points are not free sellers, and main- tain their prices. Olive Oil—The market is quiet. Only the barest consumptive require- ments are being met. Distribution is on the basis of listed prices. Rice—Buying is done only in a small way, although there is no weak- ness shown in greatly reduced price. While some weak holders are shading their prices, others are carryig their stocks for a later market. Southern wires report a firm market in the country. Condensed Milk—No improvement in canned milk has occurred. Free selling of both condensed and evap- orated occurs, with no large outlet in the domestic field except to the chain stores, which are taking advan- tage of low prices. The foreign mar- kets are unsettled and little additional relief buying is occurring, although it is hoped that part of the Congres- sional appropriation of $20,000,000 will be applied to the purchase of milk. Unadvertised brands of both packs are weak, while the. known packs are unsettled since no definite statement as to sales policies has 5 been made by the large operators, effective early in January. Cheese—The market is barely steady at prices ranging about the same as a week ago, with a light con- sumptive demand. Stocks in storage are ample at prices considerably low- er than a year ago, and we do not look for much change in price in the next few days. Provisions — Everything in the smoked meat line is quiet with a light consumptive demand at prices rang- ing about the same as last week. Both pure lard and lard substitutes are in slow sale at unchanged prices. Can- ned meats, dried beef and barreled pork are all unchanged and steady. Salt Fish—The demand for mackerel is very light on account of the season but there seems to be no disposition on the part of holders to cut prices, as they know that no increased de- mand will result, and present prices are undoubtedly safe as the supply will not be large. ———__+-- > Pecan Crop Is Short. Texas pecan crop, which is said to furnish ¢hree-fourths of all the pecans grown in the world, is estimated at one-third of normal this year by O. L. Wallace, assistant to J. H. Burkett, pecan specialist of the State Depart- ment of Agriculture at Austin. Pecans are plentiful in Southeast Texas, par- ticularly around Wharton, this year, Mr. Wallace said, but the crop was badly damaged by the frost in North Texas, especially around San Saba and Marshall. The damage by insect pests which destroy the young nuts was comparatively light, he said, although the insects caused considerable dam- age in the trees around Columbus. The newly organized Texas Pecan Growers’ Exchange, of which Mr. Bur- kett is secretary, has shipped about four cars of pecans, or about 120,- 000 pounds, to market thus far, Mr. Wallace said, and is preparing for a better season next year. All pecans shipped by the exchange are graded. The extra large nuts are placed in grade 1, called “jumbos,” and the others are placed in three succeeding grades. This was the first grading of pecans on a large scale, the exchange reported, although some individual growers have been grading their nuts for some time. ————_?. 2 The threat of John Baird, director of the State Department of Conser- vation, to sue James Oliver Curwood for libel, is the most amusing feature of the New Year. Considering the arrogant attitude Baird has assumed before the Department of Conserva- tion and the insignificant service he renders the State in exchange for the salary he receives—small because of his personal unfitness for the job he rattles around in—he is quite likely to be a very disappointed man if he ever resorts to the courts to bolster up a reputation which has never been any good at best and which has not aug- .mented by the ignorance and ar- rogance he has displayed in the posi- tion our political governor handed him as a reward for his alleged political influence—past, present and prospec- tive. il Reena Se an bee nse ha ee edna na ecco on Seascale MICHIGAN TRADESMAN CE Ec ae an nc selena re Lipevia ia nascent ebvirh nb hrncudnaiieodvinancdsarahanart ie ca nent aaa Aaiade sean rane January 4, 1922 THE DAY AFTER CHRISTMAS. Joy and Sorrow, Pleasure and Pain Often Mingled. Written for the Tradesman. Nine years is a long time to wait before sitting down to write down the events of a day. Memory is a wonderful and mysterious faculty. We know why we cannot forget some things, but we do not know why we cannot remember others. Rare and unusual experiences, important or trifling, are more indelibly impressed when the mind is free from cares and Why can we not supply memory with fresh pages every morn~- ing for her to write daily events, as well as when we leave home or drop anxieties. our usual routine of work? The day after Christmas, 1912, I went to the nearest railroad station, Delhi, to go to Lansing. Years ago there was a Delhi postoffice in Ingham county and a Delhi Mills postoffice in Washtenaw county. The Delhi flouring mill was one of the earliest built in the State, but is now torn down. There was also a sawmill and a woolen mill. To avoid mistakes Delhi in Ingham county was changed to Holt. rural mail delivery the other was dis- continued. On Oct. 2, 1903, I snapped the padlock onto a mail pouch con- taining postoffice records, remittances, final reports and the key to the lock. Delhi Mills ceased to exist. Delhi village remains or the remains of it left by the cyclone of June 6, 1917. On board the morning mail train we reached Jackson and waited more than two hours in that ancient depot for a train. The safest known con- veyance is the railroad train. Some day the airship will be safer. Arrived at Lansing in the afternoon and felt like walking up town. No car line from there in the desired direction, so.we had to walk another mile. Bet- ter to ride when you can and walk 3ecause of the advent of when you must. At my oldest son’s house, I found his wife’s mother had dinner for me, my daughter-in-law benig in a hos- pital. There also was a baby carriage with a little Greek in it whose mother kept one store and its father another, piling up a fortune while the unfor- tunate Mary Angelina was cared for by an American woman. Could the latter relation have continued twenty years the child would have been very fortunate? Soon after dinner the child had to be taken home, so another mile I wheeled the precious little alien; then hunted up the city hall. The location seemed desolate and obscure in keep- ing with the character of some of its inmates; for within its walls was also police headquarters, jail and police court. At the sergeant’s desk where re- ports from patrolmen were being phoned in I found my son, the first driver of the first auto patrol in Lan- sing, going to that job with a new machine from the Olds Motor Works, where he formerly worked, and stay- ing on the police force nearly seven years. He was soon relieved at the desk and we visited the room where he was building and installing a sixty battery cabinet and telephone switch- board for the police department. In the hall leading to the jail on a cot lay a man about 25 years of age suffering with pneumonia. A patrol- man had brought him in in the fore- City and county officials were at loggerheads all afternoon as_ to which should assume care of the sick When the policeman who had noon. man. brought him in found him still there late in the afternoon and learned why, he made the air blue or hot with his estimate of certain officials. There was a call for the patrol and I went along. A drunken man was picked up from the pavement and brought in. When he had been book- ed, my son suddenly seized him, rush- ed him along the corridor and down to the jail. When I asked why so rought with the old man, I was told that on a previous occasion he had put up a hard fight, so he was not given any chance to try it again. Toward evening the tramps began to come in and ask for a night’s think there eight Each one was searched, his shelter. I were in all. personal effect taken and placed in a cloth bag with name of owner attach- ed, and the bags locked in a desk. The name, age, weight, height and occupation of each one was recorded. If their answers did not seem correct the officer put down age, height and weight according to his own judg- ment. All were comfortably dressed and some had money. One had a list of about twenty villages of South- ern Michigan and below a picture of a man sitting under a tree, dated May 1. The officer led the way to jail and ushered them in. Picking up a basket which had held the prisoner's supper he gave the remainder to the tramps. A warm place to sleep was their ob- ject and a hard bench or concrete floor did not matter. In comes the city physician, exam- ines the sick man and orders him tak- en to the hospital. “When I get back from this trip we'll go home, and then Vil go and bring my wife from the hospital,’ said my son. But he had no more than got back when there came a call to look after a man who had taken poison. We jumped into our overcoats, for it was near Zero, with a bad wind blowing. I took a place by the driver up in front while one or two police rode inside. Way out North, then East, crossing the railroad about fifty feet ahead of a moving freight, then North until we found a patrolman waiting for us. “Four miles in less than four min- utes,” said my son. Night had come; the house was dark; there was a man’s wife and children and her mother and more children, and a neighbor woman or two. The man was found in an outbuilding, very drowsy. Two police piloted him to the street and kept him walking until the doctor arrived. One had visited a near-by drug store and had a bottle ready. Contrary to police regulations, they gave him extract of rye. It seemed a long time before Dr. Russell ar- rived—the same physician who had been at police headquarters. The would-be suicide was taken into the The doctor brought the wom- en to their senses first by ordering light, a fire and water water. The doctor asked me to bring his med- icine case from his auto, which I did. Off came the man’s coat and an arm was bared that would delight a black- First a hypodermic and then two or three quarts of warm water down his throat. “Take him outdoor,” said the doctor. house. smith or a harness maker. Two officers supported him to the after about five minutes they came back saying: “All right, Doc: he’s empty.” Then he was put to bed and medicine left to give him. Meanwhile the police captain had a heart-to-heart talk with the young wife who had left her husband and revealed to her some of her mistakes. yard and The doctor had investigated the bottle of laudanum and considered the remainder therein and some spill- ed on the man’s collar. The police were of the opinion that it was more an attempt to frighten the wife into submission than an attempt to suicide. Before we left the police station that night another drunk was brought in. He was a farmer’s hired man, had driven fifteen miles to town and had forgotten where he left his horses and wagon. The police had to find and care for them. Naturally, such day’s events have sequels. The next morning I went again to police headquarters, saw the tramps let out and given their per- sonal effects, saw the prisoners march- ed into court where the judge quickly disposed of the vagrants—those ar- rested for begging or some petty of- fense. He told them that their scheme to get free board at the coun- ty jail would not work, ordered them to leave town inside of one hour and very positively informed them that if any of them came before him again he would give them a term in the workhouse. The hired man who got drunk and forgot his horses was fined $15, and had more than $60 left. A tippler was given a jail sentence, with no alternative, so his mother would for a few weeks be freed of worry about his condition or whereabouts. The would-be suicide was reported at work in a shop as usual. The pneu- monia patient came to the police station the next week to thank the officers for their kindness and to tell how he was thrown out of work and lost his savings by the failure of a co- operative factory in Iowa; had enough money to take him to Chicago, but at South Bend was slugged and robbed of his kit of machinist’s tools in the railroad yards; then started to get home to Canada by catching on freight trains, and so got pneumonia. A Methodist pastor had found him a job in Lansing and a boarding place. The morning I came home, Chief Henry Behrendt sent me to the de- pot in his private car, not in the patrol wagon. Everybody in Michi- gan should know Behrendt, but a good many wish they never had. E. E. Whitney. —_» 22s Not So Very Far Wrong. A local drug store recently at- tracted a lot of attention and stirred up a bunch of smiles by advertising “Typewriter Supplies” in large, bold- faced type. But, instead of the usual line of carbon paper, ribbons, etc., there appeared below the headline the following list of items: Chewing gum. Lip sticks. Hairnets. Candy. Cigarettes. Earrings. And a choice line of complexions. GRAND RAPIDS RED STAR FLOUR The Flour of Quality | SR JUDSON GROCER CO. MICHIGAN seas 1 i 1 i i j i i ; January 4, 1922 MICHIGAN TRADESMAN 7 T A year and a half ago, on the occasion of a Michigan Bankers’ Convention, we ran the follow- ing ad: “For a period of eight years we have retailed bonds and performed other services incident to an Investment Banking business for the Banks of Michigan. “During that period we have built up what we believe to be the largest Investment Banking business in Michigan today. “During that period the salesmen and executives of this institution, with whom the bankers in Michigan have dealt, have remained practically the same. “Qur responsibility is definite, our market is fixed. “Just so long as we continue to comprehend the fact that the interests of the banks in Michigan are identical with our own, our business will continue to grow. “We fully intend that the rather remarkable growth that we have enjoyed during the past eight years shall continue in the future.” : One year and a half ago we had 8 salesmen. Since then we have increased our sales organiza- tion to 40—an increase of 500%. During the same 18 months we have opened and built up a Liberty Bond Department, more as a matter of service than for profit. This Department is now acting as a clearing house in Liberty Bonds for a large proportion of the Banks in Michigan. aati In the Spring of 1920 we organized a Stock Department, to render to those of our customers who place a portion of their funds in stocks and to that class of investors who buy only stocks, a i high grade investment service in stocks with service by private wires to all the leading markets. | During this same period we have materially enlarged our Municipal Bond Department, special- izing in Michigan Municipals. 4 The Detroit office, to which 12 salesmen are reporting at the present time, was opened during { the year 1920 under the management of Mr. Charles S. Lee, with offices at 310 Ford Bldg. This i office was made necessary by our growing business in Detroit and the eastern side of the state. Our growth is only in line with the growth of this wonderful state and it is our hope that at the end of the next twelve months we shall be able to look back on a period of marked progress and accomplishment. We extend to you our best wishes for the coming year. 4. HOWE, SNOW, CORRIGAN & BERTLES : INVESTMENT BANKERS Grand Rapids Savings Bldg. 310 Ford Bldg. GRAND RAPIDS, MICH. DETROIT, MICH. ' MICHIGAN TRADESMAN Soe Ee a EE we ea FE ee ocsaeernienrnteinninandniimtiaaninersorio asinine January 4, 1922 WHERE IS THE FOOL KILLER? Some wrath was aroused by the an- nouncement, last week, of another movement against so-called profiteer- ing on the part of retailers. At first, this was said to be directed against those dealing in things to wear as well as those handling food. Subsequently, in a statement by Attorney General Daugherty, it was appear that only the food men were aimed at. Yet it is perfectly evident that the Federal Government has no power to reach over-charging on the part of retailers except in the District of Columbia. In Mr. Daugherty’s state- ment it was said to be doubtful “whether a violation of the law in the matter of fixing prices by certain lo- cal retailers is one over which the Federal Government has jurisdiction.” This is rather a cumbersome way of stating the matter. If the Federal Gov- ernment has no jurisdiction there is certainly no “violation of law.” But the premise on which, apparently, any idea of taking action is based, assumes that there is a fixing of prices. This is a most remarkable assumption and an utterly unwarrantable one. Take the case, for example, of the depart- ment stores in this or any other city. Nothing is better established than the fact that they are in most active com- petition, each striving to undersell the other. Their prices are by no means uniform, a fact which many take ad- vantage of in their shopping. The same is true of food stores, like gro- ceries or meat markets, whose prices vary according to localities, kind and quality of service. Now, it is quite likely that there are in a country as large as this and with conditions so diversified, many in- stances in which the charges for one kind of merchandise or another are exorbitant. But it is not fair to com- pare prices in the primary markets with those at retail without making allowance for what intervenes. One man who calls himself a statistician made himself ridiculous the other day by complaining of the price of a waist bought at retail for being a hundred times or so as much as was the cost of the raw cotton out of which it was made. It recalled the old story of the value of a ton of pig iron as compared with that of an equal weight of watch springs made out of the raw material. A single factor in every sale at retail, that of service, was recently shown in a Congressional enquiry to account for somewheres near one-half of the sell- ing price. What is called “overhead” very often amounts to more than the cost of the raw material in making up a product, and expenses begin to mount rapidly from the time a case of goods is broken open and the material is turned over to be fashioned into garments and then distributed through the jobber and retailer to the con- sumer. Yet these are facts that are usually ignored in most of the hue and cry about retail profiteering. fe WHAT IS MOST NEEDED. With the staring of a new year there is apt to come to the mind of the business man a tendency to look backward as well as forward, and to endeavor to forecast what is to come in the light of what has happened. made to It is generally conceded that the last twelvemonth has been a very trying one in most lines of endeavor and that many of the distrubing factors are still existent to a greater or less degree. At first sight, too, the gen- eral prevailing conditions at the be- ginning of the new year look very much like those at the beginning. When 1920 closed, the “buyers’ strike” effective in curtailing the volume of purchases, just as lately there has been shown the reluctance of buyers to take anything except bargains. Business fatalities looming up large and the forebodings was still were were none too pleasant for the many merchants who had stocked up at high prices. Liquidation was on in earnest and the strain on credit was great. There was a hope that things would change for the better in a few months, but the immediate outlook was not cheering. In a measure, this is true at the present. But there are differences which are material. A great deal of the liquidation is over. Stocks of high-priced goods have dwindled almost to the vanishing point and the “frozen credits” are very perceptibly less than they were. The speculative tendency of former days has given way to a settled dis- position to buy only such things as there is a ready market for. Pros- pects are cheering, but the times call for sound judgment and hard work to Real merchandising, not drifting, is what is needed. secure results. WOOLS AND WOOLEN GOODS. Wool markets abroad, possibly be- cause of the restriction in the volume of offerings, are marked by fairly good demand and some strengthening of prices. In this country the effect of the tariff is seen in the high levels of value. Carpet wools, which are on the free list, are figuring larger in the imports. In November they were approximately four times as great as in November, 1920, and, for the eleven months of this year, they were two and two-thirds times those for the corresponding period last year. One effect of the imposition of a duty on wool has been to discourage ex- ports of The American Woolen Company had, at one time. serious thoughts about selling its products abroad and organized a com- pany for this purpose. it has given up the scheme now, however, and abandoned its foreign agencies. A duty on the raw materials is too big a handicap to overcome by skill or mass production. In the goods mar- ket there has been more talk of can- cellations of orders for spring, while the cutters have been awaiting the opening of the fall season, which is imminent. Not much hope is express- ed of any reduction in prices, but there is a general conviction that any advance will be ill advised. Dress goods offerings for spring include some novel and expensive fabrics. The garment makers’ strike, which still continues, will keep back production, but no fears of a scarcity of goods are apparent. SS A man is getting old when it hurts him to tie his shoe laces. woolens. A GOLDEN YEAR. In a strictly literal sense 1921 may be called a golden year in American history, while in a figurative sense the year has been almost anything except golden. The past twelve months have brought this country the largest stock of gold it has ever held. Total imports for the year, when the last shipment arrives, will aggregate about $700,000,000. Nearly all the .surplus gold in the country gravitates to the Federal Reserve banks, where the member banks of the Reserve sys- tem may count 4t as reserve against their deposits. As there is practically no demand for gold as currency in this country, except to a limited ex- tent on the Pacific Coast, there are only three things that Q bank be- longing to the Federal Reserve sys- tem can do with this gold. It may release it for export to pay balances due abroad. At present the demand for gold for this purpose is negligi- ble, as the big trade balances are all due on this side of the water. Sec- ond, the bank may allow the gold to lie in its own own vaults, but there it earns no interest and does not count as a reserve against deposits, as the latter must be placed with the Reserve bank. Under such conditions a mem- ber bank will naturally send as its reserve deposit the metallic currency for which there is the least demand, and this happens to be gold. European financiers not infrequent- ly speak of this enormous gold hoard as a potential means for rehabilitating the trade of the world, and at times they show signs of impatience that the United States does not hasten to employ the metal, as one of them says, “to fertilize the field of trade.” They also intimate that if this great gold stock had accumulated in England, France or Germany it would have been quickly turned back into the the channels of commerce and have been employed in repairing the ma- chinery of world trade. It is also stated, by way of warning, that America’s unwillingness to play the part of the world’s banker may cause her to lose the financial supremacy which is hers for the time being. Whether or not America’s aloofness has been carried too far is a subject on which there is room for wide dif- ference of opinion. The increasing flotation of foreign securities in the New York market and the growing number of foreign securities listed on the New York Stock Exchange in- dicate that the country is not holding entirely alloof, but rather that Amer- ican capital is flowing in expanding volume into the foreign field. eS COTTON AND COTTON GOODS. With a lull abroad in cotton deal- ings because of the holidays, the course of quotations here during the past week depended wholly on specu- lation. No change in the statistical position of cotton was disclosed, nor were there any other data having a bearing on values except the Census Bureau’s report on the number of active spindles in domestic mills dur- ing November. From this it appear- ed that there were 34,486,669 of them as against 34,221,646 in October and 31,700,014 in November, 1920. Figur- ing on twenty-four and one-half working days in November, the aver- age number of spindles in operation that month was 36,074,401. This is a gratifying showing and pretty near the maximum of capacity. On the other hand, cotton exports are lag- ging, particularly those to Great Bri- tain. Discussion still continues over the amount of acreage planted to cotton during the past season, but it is generally conceded now that few, if any, of those who were to reduce their acreage one-third really did so. Too many, as usual, are waiting for the other fellow to do it. Careless tillage, lack of fertilizer and the rav- ages of the boll weevil and pink boll worm account for the most of the drop in the crop. The goods market is keeping up remarkably well under the conditions. What helps greatly is the belief that the raw material prices are pretty nearly stable. So the prices of goods in the gray are showing firmness and there is contracting ahead for the next two months. In finished goods the mills are still busy filling orders. More activity is shown in knit goods, although orders for fall wait for the coming meeting of the jobbers in the middle of January. WATCH CONGRESS IN 1922. From present indications 1922 is go- ing to be a year in which the prob- lems of business are going to occupy the chief place in the deliberations of the lawmakers. at Washington. Po- litical questions will be also mainly economic. The whole subject of re- vising Federal taxes will have to be threshed out again. Tariff revision, which has been in suspense for several months, will again come to the fore during the winter and spring. Pro- vision for funding the Allied debts is still part of the unfinished business at the capital. The Budget Bureau has a man’s size job before it when it undertakes a reorganization of the Federal bureaus to eliminate duplica- tion of functions. Whether or not the merchant marine is to have a sub- sidy and what disposition the Gov- ernment is finally to make of its mer- chant vessels are also to be threshed out. Provision for a bonus to ex- soldiers, and the finding of ways and means to pay it, constitutes both a political and a business problem. The farmers’ bloc will have a programme of legislative relief for the depressed agricultural districts. There will be efforts by the cheap money advocates to tinker with the Federal Reserve system. Business men, therefore, will do well during the coming year to keep an eye on Washington and to let their representatives know from time to time what they think of the Congressional school of economics. “God helps those who help them- selves,” but God never told an in- dividual or a benevolent organization to help able-bodied people who will not help themselves. Those who least deservé help are apt to be prompt in making their wants known and putting forward hard luck pleas which will not stand rigid investigation. Lots of men expect opportunity to carry a letter of introduction. sepoemic. act machinists | | | itis static vant soe sain ccna a January 4, 1922 MICHIGAN TRADESMAN NEW ISSUE We offer subject to prior sale $750,000 Duplex Printing Press Company (BATTLE CREEK, MICHIGAN) First Closed Mortgage 7%% Sinking Fund Gold Bonds To be dated January 2, 1922 To Mature January |, 1937 TAX EXEMPT IN MICHIGAN DETROIT TRUST COMPANY, DETROIT, MICHIGAN, TRUSTEE Interest payable July 1 and January 1. Coupon bonds in $1,000 and $500 denominations interchangeable. Redeemable in whole or in part for the sinking fund on any interest date upon thirty days’ notice at 107% and interest, on or before January 1, 1927; at 105 and interest; for the next five years, and at 102% and interest thereafter until maturity. Free of Normal Federal Income Tax up to 2%. Pennsylvania 4 Mill Tax Refunded. Sinking Fund of $25,000 per annum payable in semi-annu al installments beginning July 1, 1923, is estimated to retire more than two-thirds of this issue by maturity. Bonds purchased for the sinking fund will be kept alive and the interest collected t hereon will be added to that fund. CAPITALIZATION (Upon Completion of This Financing) Authorized 15-Year First Mortgage 73% Gold Bonds (this issue) -- -- - - - - --- $ 750,000 Common Stock (Par Value) _-_-_-_-------------------------- $4,000,000 Outstanding $ 750,000 ‘$3,600,000 PURPOSE OF ISSUE—The proceeds of these bonds will be used to retire a small real estate mortgage now outstanding, to purchase addi- tional machine tools for the purpose of increasing production, and to increase the working capital. BUSINESS—The Duplex Printing Press Company was organized in 1884, and is engaged in the manufacture of newspaper printing presses of two types known respectively as the “Blat-bed” and- “Rotary,” having unique features which give the company a large majority of a certain class of trade. Its business of manufacturing presses has been uniformly and profits for 1921 are greater than any previous year. SECURIT Y—These bonds will be secured by a first and closed profitable for the past 20 years, and it is worthy of note that the gross output The orders now on hand indicate that for 1922 these will be considerably larger. mortgage on the entire fixed assets of the Duplex Printing Press Company located at Battle Creek, Michigan, including lands, buildings, equipment, patents and patent rights, now owned or hereafter acquired. ASSETS—Total tangible assets, after giving effect to this financing, and deducting all liabilities except these bonds, will be over $2,300,000 = or more than three times the amount of this issue. Good will and patents are carried at one dollar. The land, buildings, machinery, etc., together with $200,000 of new equipment to be installed at once, are valued by Day & Zimmerman, Inc., Engineers, at more than twice the par value of this bond issue. EARNINGS—The average annual net earnings for the three years ending December 31, 1921 (December, 1921, not included) were about $275,000 or over five times the present annual interest requirements of $56,250 on these bonds. For the first eleven months of 1921, the net earnings available for interest on the bonds are at the rate of over eight times the interest charges, and since 1902 the average annual net earnings have been equal to more than twice the. interest charges. We offer these bonds, when, as and if issued and received by us, subject to approval of legality of our Counsel, Messrs. Beekman, Menken & Griscom, of New York. PRICE 994 and Interest, YIELDING over 7.55% Fenton Davis & Boyle CHICAGO GRAND RAPIDS DETROIT FIRST NATIONAL BANK BLDG. MICHIGAN TRUST BUILDING CONGRESS BUILDING Central 2507 Citizens 4212; Main 656 Main 6730 All statements contained in this circular are expressions of our opinion, based upon information which we consider reliable, and upon which we based our purchase of these bonds. and statistics obtained from official reports and other sources, All offerings subject to prior sale or change in price. MICHIGAN Why Shoe Retailers Should Plan Styles. Style to-day is the dominant factor in our great shoe industry and it is the duty of every retailer of shoes, regardless of location and volume of co-operate with the manufacturers to produce the styles best adapted for his individual re- quirements. You must give in order to receive, and by passing your ideas on to the manufacturer, if he approves, you both profit, and if he rejects he will tell you why, and it is profitable to know why he thinks you are wrong. The effect of the World War brought about changes in the conduct of all branches of the mercantile busi- ness. The greatest changes have taken business, to place in the retail shoe business. Be- fore the war many dealers conducted their business in the same routine year after year. They seldom changed their lines, depended upon the manu- facturers for style, and usually bought what he had to offer for the season’s requirements, twice a year. The con- tinual introduction of new styles has reversed the order. To-day the manu- facturer looks to the retailer for style and instead of purchases being made semi-annually, they are made monthly or as frequently as business permits. Styles change with such rapidity that every dealer, if he wants to keep in step with progress, must become a student of style and he must know the requirements of his patrons and build his shoes accordingly. Every shoe buyer should plan his own styles, because if he waits for styles, his competitors usually show ‘he new things first. In planning styles you make less mistakes than if you wait for styles. You must know just how far you can go with the style for the people you serve. If you de- sign a shoe and your selling organiza- tion becomes enthusiastic about it, you »]1 believe in it and the proper en- thusiasm about almost any style is 50 per cent. of the effort necessary to as- sure its success. The style that is all the rage in Chicago may not sell in Podunk, but the dealer in Podunk should know about the style in Chica- go and modify it according to his own ideas, and present a new style that is ahead of the general style tenden- cies in his vicinity. Take advantage of every opportun- ‘ty to study new styles and new lines and especially those lines which you buy, and see if it is not possible for you to improve each style instead of simply buying it as the manufacturer presents it to you. You may have a certain staple oxford upon y@ur shelves that you have bought season after season without change. The last and fitting qualities may be exactly to _ to be a leader. your liking and satisfactory to your customer, but do not allow her to tire of it. The next time you re-order on that style, try and make a new shoe out of it by changing the pattern, the perforation, or the stitching. Your customer will surely appreciate it and will pay a higher price without ques- tion than she will for the old one. Every line of shoes that you buy, re- gardless of the purpose, should have style. Many pegple think that the more conservative shoes are staples and that style is represented only by the newest creations shown by the manufacturers. The man who looks upon style from this viewpoint is likened to the salesman who always trys to sell his customers the new shoes that are coming in and forgets about the good shoes in stock. For there are styles in staples as well as in novelties; not high styles, of course, but any little inovation that is a change from the old dull pattern is style. It is such little things as these—a bit of perforation here or there, perhaps an insert of goring, a new strap of your own idea, possibly an attractive underlay on the quarter, that go to make up style in a shoe. It is these that the merchant should plan. H. R. Rogers. —_——oa sa Shoe Store Travels on Wheels. The Haines Shoe Stores of Media, Pa., own and operate an auto shoe store. The chassis is fitted with a glass enclosed top, so that the com- plete stock of shoes, carried on racks and price-tagged, can be readily seen. The interior is fitted up so that the buyer can get into the rear and be instantly fitted. This machine has traveled many miles and sold many shoes in this way. Fans are used to advertise the wares. Previous to the appearance of the car, a man goes into each town and circularizes the place with advertising fans, so that the way is easily paved for business. —_22 > Topeka merchants have greatly strengthened their position among the residents of nearby small towns by adopting a broad-minded and far- sighted attitude. They have urged the purchasers in these small towns to buy what they can of their local mer- chants, to give the home town’s stores the first chance to supply their needs. In cases where the local merchants can’t supply the demand, the pur- chasers are invited to turn to Topeka. This earned the good will of the local merchants as well as the purchasers, and Topeka obtained a good deal of business that might have gone out of the state entirely. —__..-—.-—_ Don’t follow the crowd if yoy want ; Pe es papiahivanmnendaaanauaaniel gs eh aaa AARNE EM TRADESMAN The Best Collateral. The commercial agencies say that a man’s habits have as much to do with his credit as his business ability, and that squareness is not only his best asset, but the highest recommenda- tion he can have. The greatest financier this country has produced, the late J. P. Morgan, used to say that character is much more important than collateral, and, in making loans, he always looked to a man’s character first. He loaned millions on character alone. 1h January 4, 1922 To our FRIENDS and CUSTOMERS: We wish to extend to you our best wishes for a New Year of Health and Happiness. SCHWARTZBERG & GLASER LEATHER CO. 57-59 S. Grand Rapids, Home Ease | Juliet—iIn Stock Black Kid, Flex- ible, McKay, Stock No. 700. Price $2.25. BRANDAU SHOE CO., Detroit, Mich. Division Ave. Michigan sell walls for miles # and smile THEM WITH Virth- Krause Co. tanners and shoe manufacturers Grand Rapids Michigan If you do not receive our monthly blotter calendar, send us your name and we will gladly add your name to our list. PP fi Li} ec qQ) wD -as staple a Eo G . : ! GROCERIE, Dy is time-tested shoe Thousands of dealers carry this shoe as a staple. The H-B Black Gun Metal shoe has been a won- derful business builder for merchants. a thoroughly sensible, practical shoe that once a man has worn it he does not like to wear any other. The majority of our dealers are never without a good assortment of this shoe, for they can expect year after year a fixed, steady call for it. HEROLD-BERTSCH SHOE CO., GRAND RAPIDS Herold-Bertsch Black [_}}) (enor : / It is such un Metal Line nom af LL DO IEEE REMAIN enna A ceo escort cine secere sR | | titan peneegenessster ee eo NRE \ ovtinceecientenneen tiie SAA x What about the GASOLINE you use? VERY motorist knows that all gasoline is not alike: You have reason- able assurance that the quality of most gasoline sold under a well known trade name will remain constant, but trouble creeps in where you form the habit of just buying “gas.” It is not the idea of this company to claim that when you notice a dif- ference in the quality of your favorite gasoline, that the manufacturer has deliberately tampered with his product. What we do mean to say is that gasoline varies according to the methods used in its manufacture, and the raw material from which it is made. This company on account of its immense resources can truthfully say the Red Crown Gasoline never varies, except as seasonable changes call for variation. It is also well to consider that the gasoline to which you have your car- buretor adjusted may not even be on sale in the next town or state, that too is a source of annoyance. So we say, what about your gasoline? Is it always the same, and can you buy it everywhere? Red Crown Gasoline can be bought everywhere. Once your car- buretor is adjusted to Red Crown there need never be any necessity for changing, because Red Crown can be bought every few blocks in the city and every few miles in the country, wherever you go, and its quality never changes. It is a universal fuel. STANDARD OIL COMPANY (INDIANA) CHICAGO U.S. A. eee eee ee TCT TUTTI TET OU OV SS re SPORT Terre rere ers e swe e eee wears seese — ~ TULL LLLLLLLLLLELLL Ge REO AERA RE OEE nc eeencanensanacehaaneiinatieatsmaaLanaanaciie MICHIGAN TRADESMAN January 4, 1922 2 | = KAN in aoe OE pat XS ~ _ = ss id es as = | ¢ zs ag . ° zi = . ‘f = 2 > a8 (2? FINANCIAL = |; = , = fp & =: : . = (ON. nf TT SS esa ST re FE. _ vase ‘ 4 L a YS YY» 4 4 Mj, | hn SH ym LO) OF : Review of Business, Industry and Finance. The Federal Reserve Board in its latest monthly ‘bulletin reports that im- provement in business conditions in December has not been as pronounced as during the preceding two months. Several factors are responsible for this relative “slowing down.” The sea- sonal peak of demand has, for the time being, been reached and passed. Un- certainty regarding prices of staples, particularly of cotton, has interfered somewhat with trade buying,, while the possibilities of further reductions of freight rates has apparently tended to unsettle prices and to retard the activity of industry in some of the chief manufacturing sections. Recov- ery in the steel and iron trade has come to a halt for the time being, and stability has not yet been achieved in that branch of production. Nevertheless, the progress toward normal conditions achieved during December has been continuous, as may be seen by a comparison with the corresponding month of a year ago, or with the general movement of economic conditions since the be- ginning of this year. Cotton and wool- en textiles in some of the principal producing districts are almost on a normal basis. Steel and iron, while working at about 50 per cent. of ca- pacity, are in much better condition than was true a few months ago. In some industries which had accumu- lated large surplus stocks, such as zinc, demand has been sufficient to carry off a part of the over-supply. Un- employment has at least slightly de- creased. Export trade continues in substantial volume, showing an in- crease during October, and while la- boring under many handicaps due to unsettled exchanges, shows the result of strong foreign demand, especially for staples. This is particularly note- worthy when it is remembered that the prices at which cotton and cereals are now being shipped are so much lower than those of a year ago. Bank- ing conditions are reported slightly improved practically throughout the United States. Reduction of prices for cereals and failure of cotton to maintain the level attained in September-October have proven a serious handicap to farming interests. Results of this relatively low return for output have been a re- duction in the demand of farming communities in some parts of the country for consumable goods and a simultaneous tendency to check some- what the process of liquidating loans at banks. Nevertheless, retail business continues to improve, taking the coun- try as a whole, and has been materially helped by the improvement which has taken place in employment conditions during the past few months. Improve- ment is also observable in wholesale trade, sales comparing favorably with a year ago. Prices continue to main- tain a substantially stable position. The Federal Reserve Board’s index for October shows 4 recession of less than two points, and it is evident that the price changes which are now occur- ring do not represent any extensive movement toward modification of the average level. Important fnancial developments have taken place during the month. In addition to a general reduction of Federal Reserve discount rates, there has been a distinct tendency toward decline in the level of market rates both for short and long term funds. This has been accompanied by a de- cided advance in the prices of bonds, and particularly of standard securities. New offerings of capital issues have, in many cases been readily absorbed, and the general condition of credit has become easier. The general situation of trade and industry is unmistakable more hope- ful and is improving as steadily as can be expected, in view of the slow- ness of economic progress in other parts of the world, particularly in Western Europe. Another handicap to complete readjustment continues to be the failure to bring about a proper co-ordination and mutual relationship of price.. This is responsible for no small part of the slowness of economic recovery in certain branches of busi- ness. On the whole, the best opinion now looks to a steady, even if locally interrupted, progress back to normal conditions, although no immediate or sudden expansion or “hoom” is now in sight. ——_22>___ Don’t keep kicking about your job. If you do not like it, get out as soon as you can and pretend to like it while you stay. JOIN THE GRAND RAPIDS SAVINGS BANK FAMILY! 44,000 Satisfied Customers know that we specialize in accomodation and service. BRANCH OFFICES Madison Square and Hall Street West Leonard and Alpine Avenue Monroe Avenue, near Michigan East Fulton Street and Diamond Avenue Wealthy Street and Lake Drive Grandville Avenue and B Street Grandville Avenue and Cordella Street _ Briage. Lexington ang Stocking Kent State Bank Main Office Ottawa Ave. Facing Monroe Grand Rapids, Mich. Capital - - - $500,000 Surplus and Profit - $850,000 Resources 13 Million Dollars 345 Per Cent. Paid on Certificates of Deposit Do Your Banking by Mall CADILLAC STATE BANK CADILLAC, MICH. Capital ......-- $ 100,000.00 Surplus ...----- 100,000.00 Deposits (over). - 2,000,000.00 We pay 4% on savings The directors who control the affairs of this bank represent much of the strong and suc- cessful business of Northern Michigan. The Home for Savings RESERVE FOR STATE BANKS INSURANCE IN FORCE $85,000,000.00 RANSOM E. OLDS Chairman of Board WILLIAM A. WATTS President Mercuanrs Lorn InsurancE ComMPANY Offices: 4th floor Michigan Trust Bldg.—Grand Rapids, Michigan GREEN & MORRISON—Micnigan State Agents Why Do You Delay Making a WILL? IS it not enough that some day death may deprive your wife of your companionship and pro- tection, without there being imposed upon her, in the hour of her sorrow, the intricate duties of estate settlement? A sure way to avoid this and to protect your family’s comfort and future welfare is to make a will, appointing this company as executor and trustee. The settlement of an estate is almost always a formidable matter to a woman. To this company, qualified financially and by training and equipment, estate settlement is a matter of every-day business. Ask for a copy of “Safeguarding Your Family’s Future,’ a booklet explaining the services this company can render you and your family. P;RAND AaPins [RUST [,OMPANY GRAND RAPIDS, MICH. OTTAWA AT FOUNTAIN BOTH PHONES 4391 DN eee Sonnet = Siete: LEE ELE DERE, wanna s PARES? corset cree ment wea atoning 4 | 4 January 4, 1922 MICHIGAN TRADESMAN 13 Review of Weekly Statistics. Favorable events of a political na- ture have made the past week inter- esting in several ways. Perhaps the greatest influence on the markets of recent weeks has been the Disarma- ment Conference in Washington, re- sulting in the final agreement on the 5-5-3 naval ratio. This settlement, and the ease with which other important diplomatic matters were solved, when a long drawn out discussion culminat- ing in nothing of moment was the only result expected by many, have con- spired to put an optimistic face on the international situation. While no official estimates are made of the prob- able saving afforded by the proposed naval “holiday,” it will probably re- sult in an annual saving to the world of close on to a billion dollars. But whatever the amount, the fact is that wealth represented by tools and ma- terials of production which formerly went into huge armaments will now go into more readily consumable and enjoyable goods. This should have some effect on lowering costs of pro- duction. It is perhaps to th!s factor and to some extent itv what _ practically amounts to the settlement of the Irish situation that the surprising rise in sterling exchange of the past few weeks must be attributed. The sud- den rise of sterling exchange to $4.24% one day last week is difficult of ex- planation on any other score. In- creasing gold exports to this country from Europe and the increased im- ports indicative of a turn in the general foreign trade situation in the near future may also have something to do with the sudden jump in European exchange rates. The stock market played second fiddle to the exchange market last week. But while practically all Eu- ropean exchanges showed substantial increases, securities also showed con- tinued strength and closed the week higher than on the previous Saturday. Foreign bonds were unusually active and strong, while our own Victory issues reached above par. Among the new securities there was also great activity. The Government’s new 4% and 4% per cent. Treasury certificates were rapidly taken up, as were several large municipal issues, the most im- poratnt of which was the $55,000,000 issue of the City of New York which was oversubscribed three times. Our foreign trade figures for No- vember, discussed esewhere in this is- sue, were disappointing in that they showed smaller exports and larger imports than in many _ previous months. As practically all of the price deflation is behind us, the drop in our trade figures cannot be attributed to falling prices, but rather to a decreas- ing volume of goods. Domestic trade in the past week has been fair in the retail trades, but among the whole- ‘sale lines it is still rather slow, owing to the holiday season. Not much im- provement is expected until until we are into the new year. Industrial activity is improving slowly as is evidenced by increased pig iron production in the last month, by recent reports of greater employ- ment, by greater railroad earnings and by the sustained high level of new building. Industry on the whole should at this stage of the period of depression be on a firmer footing for a possible speeding up of recovery. Inflation has for the most part been taken out of inventories by the writing off of losses thereon, and this circumstance, combined with the tendency of prices to stabilize in re- cent months, has put business in an increasingly stronger position, business Funds are plentiful in the money market, but not so much so that wild speculation has appeared on exchang- es. The stock market is still mostly professional. These facts have led to the belief in some quarters that a fur- ther reduction in the rediscount rate of the New York Federal Reserve Bank is a near possibility. —_»+2>—___ Making Bank Advertising Attractive and Appealing. Many people who do not stop to think contend that the banking busi- ness is one not requiring any im- agination, but that cold figures and facts must ever prevail with it. However, if one thinks of imagina- tion as synonymous with vision it will be easier to realize how much of a factor of success imagination may be- come to a banking institution. Im- agination takes away from the drudg- ery of the banker’s daily task. If he sees his job in relation, not only to the work of the bank, but also to the busi- ness life of the community in general his interest will be stimulated and his mind be made more alert in serving customers. With the broader vision in exercising business, the manner and mode of advertising is closely con- nected. The banker can use advertis- ing methods and advertising copy ap- pealing to the imagination of the readers and impelling them strongly to the action he desires. s eT UTIL LLL LLL LLL : IMPORTERS AND ESTABLISHED 18638 OUR FOREIGN DEPARTMENT is well equipped and always glad to assist any customer in the financing and develop- ment of Foreign Trade. STEAMSHIP TICKETS to and from all foreign lands may be secured of the agent at our Foreign Department. CLAY H. HOLLISTER PRESIDENT CARROLL F. SWEET VICE-PRESIDENT GEORGE F. MACKENZIE V.-PRES. AND CASHIER EEE ddd ddl d lla LLL ALLA LL LLL b LALLA bbb EEE dddddddddddddddddddddda Grand Rapids National City Bank CITY TRUST & SAVINGS BANK ASSOCIATED The convenient banks for out of town people. Located at the very centers of the city. Handy to the street cars—the interurbans—the hotels—the shopping district. On account of our location—our large transit facilities—our safe deposit vaults and our complete service covering the entire field of bank- ing, our institutions must be the ultimate choice of out of town bankers and individuals. Combined Capital and Surplus ---------- $ 1,724,300.00 Combined Total Deposits ---------------- 10,168,700.00 Combined Total Resources -------------- 13,157,100.00 GRAND RAPIDS NATIONAL CITY BANK & SAVINGS BANK CITFY FRUST ASSOCIATED CLAIM DEPARTMENT Second to none for prompt and fair settlements. Live Agents Wanted. MICHIGAN AUTOMOBILE INSURANCE CO. Grand Rapids, Mich. A Stock Company. Grand Rapids Merchants Mutual Fire Insurance Company Economical Management Careful Underwriting, Selected Risks Affillated with the Michigan Retail Dry Goods Association, OFFICE 320 HOUSEMAN BLDG. GRAND RAPIDS, MICH. Legal Knots— Are unnecessary and may cause much ex- pense to untie. They are tied by some makers of WILLS who lack confidence in the willing- ness or ability of beneficiaries to carry out the Testator’s wishes. Where a Trust Company is named as an Executor and Trustee, there need be no such distrust; hence no legal knots. This very able institution will outlast your estate, and your grandson’s. Its service is specialized, Departmental, ALL-INCLUSIVE, therefore—economical. Call at our office and get the new booklet, ‘(What you should know about Wills.” “Oldest Trust Company in Michigan.” THE MICHIGAN [RUST COMPANY GRAND RAPIDS, MICHIGAN cy en ene ennnninnieaneneenanttienisinetaadnt na Mr ei ipaectasesabe 14 Why the Quail Should Be Fully Pro- tected. Grandville, Jan. 3—-A little leaven leaveneth the whole lump. | From small beginnings giant pro~ jects grow. There has been. mucn said about the farm bloc dominating Congress to the hurt of the remainder of the country. While farmers are be- seiging the National Legislature to enact laws especially beneficial to their calling, they have forgotten something nearer home that needs looking after. I note that a farm adviser of the Vermilion county farm bureau of Illinois registers a protest against city hunters and sportsmen in general and quail hunters in particular. This 1s the season, he says, when so-called sportsmen are making lite on the larm ursafe for all living things, including man. There is said to be much sport in killing a bag of quail. How about the value of quail as food when com- pared to its value as a destroyer of in- sects? : The body of a quail is small, its food value almost nil when we compare its value as an insect destroying bird. Weed seeds form more than 50 per cent. of the quail’s fod. It seems about the only bird that dotes on chinch bugs. In fact, the quail is the farmer’s friend and ought to have the protection of the law with no open season. I have advanced the idea of protec- tion of all birds from the crow down to the smallest sparrow. These are one and all the farmer’s friends, and a tiller of the soil, be he grain or fruit grower, stands in his own light when he permits the State to outlaw any of the wiid birds. The farm press has stood almost solidly against progress in the direc- tion of bird conservation, and the farmers have themselves to blame for the present conditions of insect des- truction of crops that exists in our own State at the present time. This Illinois county farm official seems to have gotten his eyes open at last and is demanding protection for the quail. At one time Michigan had an abun- dance of quail, their cheerful calls resounding throughout our country fields and lanes; to-day they are near- lyl extinct in some parts of the State and will soon be extinct throughout its broad expanse unless the fzrmers themselves and the farm press get their eyes open to the necessity of calling a halt on bird destruction in the State of Michigan. Birds are the natural enemies of in- sect life, the natural protectors of farm crops even though they do oc- casionally forage off some of the wheat fields and orchards of the State. Intil the ones most interested, the farmers themselves, get their eyes open and make demands on the Leg- islature, there will be nothine done to save the growing crops of Michigan from the chinch bugs and other des- tructive insects which have thrived so famously under existing laws in our State. There are people who cannot see an inch before their faces and these peo- ple have been in a majority right here in Michigan. It is high time they got their eyes open to the damage our bird laws are doing and command a halt and a complete change of legis- lation where the feathered flocks of our commonwealth are concerned. The quail is one of the most attrac- tive birds of Michigan. At one time every farm had from one to three large flocks of these birds. To-day, thanks to Michigan’s solons at Lan- sing bowing to the demands of pot- hunters the State around,they have be- come almost extinct. Farming is the foundation stone of the Nation. Nothing that helps to build up our waste lands into profitably cultivated fields can in any way injure the gen- eral public. Strange as it may appear, the husbandman himself has failed to see the mote in his own eye in his effort to extract the beam from the eye of his brother. MICHIGAN TRADESMAN 3ird conservation is the greatest question to-day in this broad land of ours. Even the big meet of crowned heads and Republican Presidents at Washington has not a priming of in- terest that this bird conservation has. There'll be wars sometime, regardless of all the resolves and bargains made at the long communion table of our National Capital, but the destruction of birds must stop. This is imperative. The salvation of the American Republic depends on the continuance of bird life in our country. It is not necessary to cry out in defense of the sparrow. He is a host in himself and has invaded the gate of every home in the land. As brave a fighter as any British soldier, he is certainly making his mark over here in America. Although millions of our sweetest song birds have been wanton- ly slaughtered in order to crush out the English sparrow, the latter is here to stay. : I always loved the quail. I have told in other articles of how my flock of splendid birds (quails) were wiped out of existence by pothunters from Grand Rapids while I was the owner of a fruit farm. These pretty and use- ful birds were shot to death before my eyes and I could do nothing, since the State permitted the slaughter. To- day others are seeing where once they were blind. Heaven speed the day when complete justice is done to both the birds and the farmers of the land. Old Timer. —— i= “Butter Dollar” Is Farmers’ Largest. The farmer’s butter dollar of 1920 is now 81.8 cents. The farmer’s milk dollar of 1920 is now 76.6 cents. The farmer’s egg dollar of 1920 is now 606.7 cents. The farmer’s hog dollar of 1920 is now 61.0 cents. The farmer’s cattle dollar of 1920 is now 57.7 cents. The farmer’s wheat dollar of 1920 is now 49.3 cents. The farmer’s oats dollar of 1920 is now 37.2 cents. The farmer’s corn dollar of 1920 is now 35.2 cents. The farmer’s potato dollar of 1920 is now 29.6 cents. It is the dollar of the farmer and its value that spells prosperity for the merchant. The dealer who is re- ceiving “butter dollars” or “milk dol- lars” finds his trade with a much greater buying power and with it a willingness to spend, when prices seem reasonable. —_——_...>—————_ State Passes Year Without Bank Crash. Michigan is one of the states in which not an incorporated bank failed in 1921. Every Federal Reserve bulletin, and these bulletins are issued at least once a week, shows the failure of several banks in the lesser populated states. A small number of private State banks in Michigan, not under the supervision of the State Banking De- partment, have failed, but every one of the 557 incorporated State banks, the two industrial banks, the eleven trust companies and the 118 National banks that were in existence at the beginning of the year or that were organized during the year were do- ing business as usual at the end of the year. ee The old standby goods in stock are befter than the new kinds which soon become stickers on your shelves. cine aesieinincintesnaennann anisole inoaC Pv, ce cicreadieineisiesessuiadilaiio January 4, 1922 WM. H. ANDERSON, President J. CLINTON BISHOP,{Cashier HARRY C. LUNDBERG, Ase’t Cashier Fourth National Bank Grand Rapids, Mich. United States Depositary Savings Deposits Commercial Deposits 3 Per Cent Interest Pald on Savings Deposits Compounded Sem!-Annually 3% Per Cent Interest Pald on Certificates of Deposit Left One Year Capital Stock and Surplus $600,000 LAVANT Z. CAUKIN, Vice President ALVA T. EDISON, Ass’t Cashier dividends. GRAND RAPIDS Write for full information. Petoskey Transportation Company PETOSKEY, MICHIGAN Investigate the above Company as an investment opportunity. It is a going concern making substantial earnings, and paying As an enterprise, it is absolutely sound, and has ahead of it a future that is long and bright. F. A. Sawall Company 313-314-315 Murray Building MICHIGAN Sand Lime Brick Nothing as Durable Nothing as Fireproof Makes Structures Beautiful No Painting No Cost for Repairs Fire Proof Weather Proof Warm in Winter Cool in Summer Brick is Everlasting Grande Brick Co., Grand Rapids Saginaw Brick Co., Saginaw Jackson-Lansing Brick Co., Rives Junction Signs of the Times Are Electric Signs Progressive merchants and mapufac- turers now realize the value of Electric Advertising. We furnish you with sketches. prices and operating cost for the asking. THE POWER CO. Bell M 797 Citizens 4261 bo Preferred-Investment OF THE PALACE THEATRE CORPORATION AND OLIVER THEATRE Send for Attractive Cir- cular on a Growing-Going Proposition—now active. Note—The Editor of the Trades- man recently visited South Bend and was so well impressed with our proposition that he handed us his subscription. PALACE THEATRE CORPORATION Oliver Theatre Bldg. South ,Bend Indiana Cumulative-Participating © i ; } i } i January 4, 1922 Is Mutual Fire Insurance Socialism? A fire insurance policy is a docu- ment that the ordinary property owner knows as little about as he does about the manufacture of the umbrella in his front hall rack. Both are protection from unpleasant possibilities, and be- yond the assurance of that protection his interest ceases. As a rule he merely instructs an agent in whom he has confidence to place the insurance in a good company and leaves the choice of that company to the agent. What constitutes a good company? The ability and willingness to make fair settlements of losses for fair premiums paid. Any company, whether it be mutual or stock, meet- ing those requirements is a safe com- pany to insure in. There are, however, certain unrea- sonable persons who would convince the public that a mutual fire insurance company is fundamentally an un- sound proposition. The carefully fostered prejudice against this form of insurance was originally founded up- on the liability of assessment. How- ever, as many of the mutual com- panies through wise management created reserve and surplus sufficient to remove the probability of an assess- ment and eliminated or limited the assessment feature in the contract, this objection so far as these companies were concerned was removed. Recently a new menace has been discovered in mutual fire insurance. Active propaganda has been widely circulated to the effect that mutual fire insurance is a form of socialism. A noticeable effort has been made with the public to place this ancient and honorable form of business in one group, together with state insurance and reciprocals, under the red flag. The proponents of stock insurance only, state that “the big outstanding query for the American business man to duly consider in this mutual plan of insurance is: Why should the mutual co-operative scheme if it is right be confined to insurance? Why should the business man who expects to pay no profit on the insurance he buys expect to make profit on the goods he sells?” State insurance and reciprocals fur- nish demnification against casualty risks, particularly risks applying under the workmen’s compensation laws and the hazards arising through the own- ership and operation of automobiles. Fire insurance, with the exception of automobile coverage, is not written through the medium of either state insurance or reciprocals and it is un- fair to class mutual fire insurance with either one. State insurance is political in origin and paternalistic in effect. Reciprocals are of doubtful corporate identity. A reciprocal con- tract is about as effective as the Con- stitution of the United States would be with the executive provisions re- moved. Mutual fire insurance is the oldest form of fire insurance in the United States and state insurance and reciprocals the newest form of insur- ance. “Why should the business man who buys expect to make profit on the goods he sells?” As applied to fire insurance ‘the answer is because the business man sells a commodity which requires capital and labor to construct; MICHIGAN TRADESMAN some article or service which definitely adds to the wealth of the world. His capital, labor or service are at all times constructive in effect and he is entitled to his profit. The fire insur- ance he purchases is protective only and the purchase of that protection should not be at a profit to anyone. There is no profit to any group of stockholders in the police protection that business men receive and there is no economic reason why it is unfair to expect him to purchase fire pro- tction without paying profit to others for it. There is no-doubt that fire insurance is a necessity; nor is there any argument that capital is a require- ment, but there is nothing to warrant the conclusion that the insured be- comes a socialist by associating with other insurers in the furnishing of this capital. Fire insurance is not a commodity. If there were no fires there would be no fire insurance com- panies. The business is a gamble and the most that can be collected is the equal in dollars for the property de- stroyed. There is nothing new created by it. The manufacturer creates shoes or ships or sealing wax; the retailer is the distributor of the manufactured article just as the agent seils insur- ance policies. The local retailer and the local fire insurance agent are both economic necessities to facilitate the distribution of the merchandise and protection which they furnish their customers, and both are paid for this service. But the store keeper who sells shoes is not concerned about the dividends received by the company which manufactures the shoes, nor should the local agent selling fire in- surance policies insist that his policies must be issued by a company paying dividends to capital stockholders. He is told, however, that he becomes in effect a socialist by representing any company not operating on the plan of profit to private capital. The railroad, the factory, the bank earn the right to dividends on the cap- ital invested therein because they are at all times adding to the resources of the nation. Their effect is positive and to deny them a fair return is so- cialism. The fire insurance company is a corporation selling only protec- tion, adding nothing to the resources of the world and it is economically right and proper that this protection should be purchased, not with profit to capital invested, but at cost. There is no more element of socialism in mutual fire insurance than there is in the American Red Cross. Hamilton H. Gilkyson, Jr. ———>-2 Fire Demon’s Boast. I am fire. I respect no man, no place, no thing. I have left my mark upon every land and on every race. I have destroyed large areas and con- sumed whole cities. I have killed multitudes and I still keep on doing so. I never stop until I destroy all that lies within my path. I strike at the hovel and the palace, the great and the small. I am a ruthless tyrant destructive alike to life and property. My time is any time, my place is any place, my method is any method. Man has tried to master me and has failed. I strike when and where he least expects me. He has invented ap- pliances to check and retard me. He has thought himself safe with his meager protection. He has allowed his children to play with me as if I were a toy. He still doesn’t realize that I am his inveterate enemy. He has felt himself secure and has not watched for my coming. He has paid me my price for his ignorance—his life. He knows that I am dangerous and he still invites me. He has tried to combat me with his appliances and failed. He flees from me whenever I show myself. He _ has legislated against me and failed to enforce the laws. He has aided me by placing in my way that which I feed on. When- ever I destroy, I do not discriminate between the old and the young. When I destroy, the labor of a lifetime dis- appears in a few hours. The catas- trophes which I cause do not hinder 15 my operations. The lessons which I teach by my destruction do not show results. I am stronger this year than I was last year. The toll I exact is getting larger every year, which proves that mankind has not mastered me yet. He has tried to prevent me from starting and has got results. I am never going to be eliminated as long as man is careless. If I am al- lowed to start I will keep on destroy- ing, and I am never going to stop until Iam prevented, because I am all that is wicked and destructive. I am FIRE. —__~-. There is no time when you need to advertise as much as when _ business is dull. Don’t cut down on your ad- vertising. Increase it as much as you can possibly afford. OUR FIRE INS. POLICIES ARE CONCURRENT with any standard stock policies that you are buying. The Net Cost is 30% Less Michigan Bankers and Merchants Mutual Fire Insurance Co. of Fremont, Mich. WM. N. SENF, Secretary-Treas. SAFETY C. N. BRISTOL FREMONT, SAVING Class Mutual insurance Agency “The Agency of Personal Service” CLASS MUTUALS ARE LEADING MUTUALS, Because they limit their lines to PARTICULAR CLASSES, Resulting in WIDE DISTRIBUTION of risks, LOW LOSS RATIO, and MINIMUM EXPENSE. WE REPRESENT CLASS MUTUALS THAT SAVE Hardware, Implement and Sheet Metal Dealers 50% to 60%. Garages, Blacksmith Shops, Harness and Furniture Stores 40%. Drug Stores, Shoe Stores, General Stores, and Hotels 30% to 50%. ARE YOU INTERESTED IN THESE SAVINGS? Are your premiums paying you a THIRTY to FIFTY PER CENT DIVIDEND? If not, then it is up to you to see that they do, by placing your insurance with THIS AGENCY. A. T. MONSON SERVICE | H. G. BUNDY MICHIGAN By thorough mutuality ALBERT MURRAY, Pres. MICHIGAN SHOE DEALERS Mutual Fire Insurance Company FREMONT, MICHIGAN Maintains Its 30% Dividend Record By careful selection of risks By sound and conservative management Courteous and prompt attention to all enquiries. L. H. BAKER, Sec’y-Treas. 16 SUCCESSFUL SALESMEN. Van C. Shrider, Known To the Trade as John D. Grand Rapids, Jan. 3—I was born at Loudan, Franklin county, Pa., May 4, 1852. My parents were Scotch on one side and German on the other. I attended the public schools of Loudan until I was 13 years of age, when my parents removed to Cleveland and I de- voted a year to completing the studies now known as the eighth grade. My next move was to serve a three year apprenticeship as an iron worker. While pursuing this line of work I made the first patent Jennie coupler of malleable iron. It was used on the Gould system of railroads. Since that time the Government has enacted a law that all railroads adopt the Jennie coupler to save the life and limb of employes. I also made the first metal patterns for the National Cash Reg- ister Co., of Dayton, Ohio, whose registers have since become so gen- erally used in America. I also fired one of the first Mogul locomotives which ran on the Lake Shore Railroad between Cleveland and Toledo. After these varied experiences, I concluded it would be better to con- centrate my efforts along some par- ticular line wherein there might be a future and selected the Standard Oil Co. as an institution which would af- ford me this opportunity. On Nov. 4, 1894, I became associated with this corporation, and I am pleased to say that I have been blessed with health, which has enabled me to give the com- pany twenty-seven years of continu- ous service in its Grand Rapids field. When I began my work in Grand Rapids the office force numbered five, including the manager, and at this writing the clerical force numbers over 150. This will enable the reader to realize the success attending a com- pany which has done business on the square and is continuing to do so in face of the fact that profiteering in this country has become a disease. When I started with the Standard Oil Company I had charge of the tank wagon business in Grand Rapids, look- ing after the wholesale and retail trade. The reason for the company’s handling of the retail trade was be- cause the underwriters would not al- low gasoline to be handled by mer- chants. I was one of the first to es- tablish rural delivery by tank wagons, and everyone knows what it has grown into. As time passed on I was re- warded for services rendered and pro- moted to the lubricating department. Now, I want to say a word in re- gard to how our large family of about 25,000 workers are treated by the officers who are directing the Standard Oil Company of Indiana. The in- dustrial relation plan which it put in- to actual practice speaks volumes for its management and many other large industries adopted this plan as soon as they learned of its success by the Standard Oil Company. It explodes the theory that a large corporation is heartless to its people. Another com- mendable act on the part of the com- pany is the pension paid old employes in recognition of services rendered. In summing up the relations which exist in our organization one can see MICHIGAN TRADESMAN why members of this family can not be other than boosters for the com- pany. Last, but not least, I have reason to be proud of having been granted an honorary certificate by Forest Lodge, No. 388, Free and Accepted Masons of Cleveland. At this time I want to announce to my friends that, due to the policy of Standard Oil Company, I have ar- rived at the retiring period of this Company and as a last reward for faithful service I shall be placed on the annuity roll for the remaining years of my life. I want to thank the many friends whom I have made in my humble walk for the kind treat- ment and courtesies tendered me in the past. On Dec. 24 I was invited to visit Van C. Shrider. our office, when I found a pleasant surprise awaiting me by our boys who constitute our sales force. J. C. Mar- shall, our Manager, made the pre- sentation speech in which I received as a token of good fellowship from my associates a beautiful Masonic ring, which I prize beyond words to express. On Dec. 12, at Cadillac, when I was introducing my successor, C. A. Merritt, to my trade and friends, I had another pleasant surprise given me by eight of my fellow travelers— F. W. Wilson, A. C. Rockwell, Neal Cary, L. O’Neil, C. F. Howe, Edw. Sovereen, W. J. McDonald and A. T. Sharp. F. W. Wilson made the fol- lowing speech in presenting me with a pipe: “As fellow travelers we have met here this evening to show our ap- preciation and love for you on the eve of your retirement from the active life of salesman which you have filled so well with highest honor to yourself and credit to the company you have so ably represented. “The real worth of men to-day is not measured by the dollars they have laid away or by the mansions they may live in, but by the good they have done their fellow men, by the num- ber of their friends, and by the sun- shine and happiness they have spread along the pathway of life. As we look into your smiling face to-night, we see reflected there that same spirit of good cheer which has been a comfort to so many of your brother travelers for the past twenty-seven years. You have always been able to see the sil- ver beams shining on the farther side of the darkest cloud and have always been ready to point the bright future to a discouraged brother and send him on his way with a lighter heart and an assurance of better prospects ahead. “Your method of salesmanship has been the only one which can command the confidence of your customer, the respect of your competitor and the gratitude of your comrades of the road —that method of honesty in business and live and let live with your com- petitors. “To Mr. Merritt, this young man who is to be your successor, let me say, you are following in the foot- steps of one of the best salesmen on the territory and if you will brand in- delibly the character of your: prede- cessor on the tablets of your memory and do nothing to detract from the business and good fellowship he has established, in years to come when your hair like his has turned to silver gray, the Standard Oil Company can retire another traveler whose record will be a guide for the new man. “And now, in behalf of this little group of friends, I present you this pipe as a token of our friendship and as a remembrance of the many pleas- ant hours you have helped us pass And as you sit in your easy chair in your pleasant home in Grand Rapids and the smoke clouds from this pipe darken the rays of light, let them bring to your mind the dark and dreary days we have had together in our struggle for business, and then as the smoke clouds clear away and the rays of light begin to break through, let them symbolize the bet- ter days which have won for you the love and friendship of the boys on the road and this rest from active service which you have so richly earned.” I was married Jan. 25, 1880, to Miss Della Day, of Cleveland. We have had one daughter, who is now mar- ried and lives with her husband, W. R. Miller, at Pittsburg. We reside in the Carsten apart- ments, corner Michigan street and Barclay avenue. We attend the Christian Science church. I am still a member of Forest City Lodge, No. 388, Cleveland. My hobby has been hard work and to this I attribute the success which has attended my career as a traveling salesman. Van C. Shrider. —_»+~+2—__- When Business Interferes. A salesman found he had four hours to wait for a train, so decided to remain in the store of one of his customers. A game of cards was pro- posed and several prominent citizens joined. They retired to a back room. Soon a woman entered to make a purchase. As she stood waiting, the salesman happened to look up and see her. He called the proprietor’s attention to her. away. To his surprise the shopkeeper put his fingers across his lips and said softly, “S-sh—don’t make any noise; mebbe she’ll go out again.” Fe gs ac lienrcnthleshnnise iets sti diced aon ait oak SaaS nase acseet careeatatetsacian sang caste omnia aah DR TT ec NT ee Te Ne a eae esol dear adem lhdlbebin maaan dine aS De aaa ei lad ane January 4, 1922 Bonus Legislation to Be Pushed in Congress. The presentation in the House of new soldiers’ bonus bills has sent an- other train of cold chills up and down the spine of American business. The evident determination of influential men in both Houses to put through a radical measure of some kind fully jus- tifies the current feeling of anxiety. The country has hardly digested the provisions of a comprehensive internal revenue revision law, and yet we are on the ‘brink of another taxation cam- paign, facing once more every one of the dangers in the way of radical leg- islation we have just escaped. The most alarming bogey now on the skyline is the resurrection of the sales tax to provide the necessary revenue for the ‘adjusted compensa- tion” ex-soldiers are to receive under the projected bonus bill. Mr. Ford- ney declared several months ago that he was reserving the sales tax for this particular purpose and whether he is still of the same mind or not, there is no doubt other influential members of the House will insist upon this method of securing funds to meet the heavy drafts that will be caused by this leg- islation. But already the House agricultural bloc has declared against any plan for a sales tax as a means of raising the revenue to pay a soldiers’ bonus. The formal ultimatum to this effect was issued a few days ago by Representa- tive Dickinson of Iowa, a prominent Republican, who undoubtedly speaks for the bloc. “We shall not interfere with the bringing out of the bonus bill,” says Mr. Dickinson. “That is the province of the Ways and Means Committee, and Chairman Fordney has promised that it will ‘be done early in the pres- ent session. “Tt may as well be understood, how- ever, that we will not permit the money for the soldiers’ bonus to be raised by a sales tax. Such legislation would merely be the entering wedge that would ultimately result in the extension of the sales tax plan to meet other revenue requirements.” Realizing that some constructive suggestion must be made to the House leaders to head off a sales tax, the agricultural bloc managers declare they will offer half a dozen forms of taxation which they are confident the public will prefer to a sales tax. Among these are taxes on gifts, high- er inheritance taxes, and taxes on so- called “community property,” a new form of Federal tax. It is also pro- posed to boost rates on alcoholic liquors of all kinds, although the pro- hibition law has almost. entirely destroyed the productivity of this class of impost. There is some senti- ment in favor of Secretary Mellon’s plan legalizing under heavy tax the production of beer and light wines. Nearly every alternative proposition suggested by the agricultural bloc in lieu of the sales tax was considered during the discussion of the recently enacted internal revenue revision law; nevertheless, Mr. Dickinson believes they will all stand a better chance of adoption than a sales tax. —_+-.—__ The best thing ever seen on a man is a head full of common sense. cea ts aOR + January 4, 1922 MICHIGAN TRADESMAN 17 TIAA AAMAMOMOMAmMAmAmamorrag TIAA AMAMAmAm Am mAmmAmAmcmcnt AXIVaNiVaNiivaxivaNiie’ oo ¢ | : | | FIRE WINDSTORM TORNADO §£ KS 5 : KG 5 | Che Mill Mutuals | 4 Aigency : io LANSING. MICHIGAN KS 5 5 Representing One of the RI - | Strongest Mutual Fire Ins. Groups | : : : Tn United States : | With 5 : $21,750,000.00 Cash Assets : 10,100,000.00 Cash Surplus : 1 -4,000,000.00 Cash Dividends : o : BY _ Paid in 1920 : We also furnish to our clients, without cost, the best insurance and engineering service : : obtainable and in case of loss our own adjusters will serve you. | kg CY KS 5 Kd . BY Strength, Service, Economy kd E is EY 3 ROBERT HENKEL, President : : Detroit 5 : A. D. BAKER, Sec’y-Treas. | GEO. A. MINSKEY, Manager : | : -120 Ottawa St., Lansing, Mich. : | am POROUS ETOYS TOES TEU LOLO LIS Se eres 18 HE CANNOT BE PRESIDENT, But He Is Most Popular Man in World. Written for the Tradesman. Said the Old Timer: “Seemes to me Warren Harding got a bigger majority than Gamaliel any other candidate who ever ran for President?” “He sure did,” I told the Old Timer. “Tt ran away up in the millions?” “As I recollect, it did.” “Well,” said the Old Timer, pen- sively, “all I got to say is, it is lucky for Warren he was running against Jimmy Cox instead of against S. Claus, Esquire. If he’s been running against this chap, Claus, he’d have gone up against a Nation-wide organ- ization that would have snowed him under.” Unfortunately, or perhaps fortun- ately for our aspiring public men, Santa Claus isn’t eligible. He was born outside the United States. But he has thrived on a par with every- thing and everyone else since he came to dwell amongst us. No country in the world hsa taken Santa Claus to its bosom as we have and no country in the world, either, could make a single dominant personality the pre- text for so much “better business.” For, from one end of the country to the other, everybody, for an entire month, is talking Santa Claus, think- ing Santa Claus, dreaming Santa Claus, and wondering how on earth he is going to foot the bills for the Santa stunt. And all the rest of the year the whole country is looking forward to Santa Claus’ visit, and pre- paring to welcome and—hbe it added— to finance him. Some banks, indeed, make a feature of Christmas Clubs, designed to spread the outlay for next Christmas over the entire year. Al- ready these banks are soliciting mem- berships in next year’s Christmas Club. You put in 10 cents a week and next Christmas you have $5 plus to spend. enterprising Put in $1 a week and you have $50. Put in $5 a week, and you have $250. And when you have spent ‘hat $5, $50 or $250 as the case may be, you will have a nucleus for next year. Thus the enterprising bankers help the thrifty-minded to finance Christmas a year ahead and inculcate thrift in the careless—all in the name of the immortal and illustrious Santa Claus, whose foreign nativity is the enly thing that debars him from the highest office in our gift. But if Santa Claus can’t be Presi- dent of the United States for the Washingtonian limit of eight years, he is assured of a job in perpetuity as presiding genius of the American household every recurrent December. And 110,000,000 South of the in- visible boundary, and 8,000,000 or more North of it regard him with reverent affection. The most impressive thing about “anta Claus is the varied amount of activity whereof he is the fountain- head. America busies herself turn- ing out Christmas toys and Christmas fancies and novelties of one sort and another; and, not content with her Own output, America ransacks the far corners of the earth for new things tq cram into Christmas stockings. ae MICHIGAN TRADESMAN Yet not so long ago an archeologist delving in the recesses of a musty Egyptian pyramid, found an array of tiny images—dolls, mannikins, ani- mals, toys for the kiddies who played on the banks of the Nile or played hide and seek with Moses in the bul- rushes thousands of years ago. The spirit of Christmas giving and the personality of Santa Claus antedate our Christmas festival by aeons. The first Christmas I remember was that of 1888, and the first Christ- man toys I can recall were a tin turtle for myself and a tin alligator for my brother Sam. The turtle was a homely gray, as I recollect, and the alligator a vivid green, and, when wound up, they would crawl over the floor in a more or less direct course. These devices belonged to the era of three-for-a-quarter mixed candy. Some places, in the early 90’s, you could buy four pounds of mixed candy for a quarter; and a thrifty boy could make a couple of handfuls of this cheap candy last until a couple of weeks after New Years. Yet, as I recollect it, some boys of my ac- quaintance had a hoggish ‘habit of hanging up their stockings a second time on New Year’s Eve, in hope of a return visit; and there were even miraculous cases where Santa Claus did come a second time, with dis- astrous results to stomachs already overloaded. The amazing thing about Santa Claus is his activity in devising new toys to please the kiddies. The tin turtle that would crawl a few inches progenitor of a host of devices, that travel at speed and_ with was. the mechanical sometimes terrific a huge jangle of noise. Almost every- thing of a mechanical nature is nowa- days imitated in the toy world, and some of the imitations come very close to the originals. Indeed, the mechanical sets now on the market are excellent and practical gifts for mechanical-minded youngsters, and a boy with some originality can achieve remarkable results with them. Thus Santa Claus is diligently train- ing the Edisons and Marconis of to- January 4, 1922 morrow to achieve new inventions to be imitated in toys for the youngsters of twenty, thirty or forty years hence. The late Colonel Roosevelt was a great ally of Santa Claus, though perhaps he functioned subconsciously in that direction. A celebrated hunt- ing trip “Teddy” made resulted in the evolution of the Teddy bear, perhaps the most popular toy invented in a generation. The huge, ungainly Ted- dies of another era are not so com- mon in the toy shops as they once were, perhaps, but they are still in service in hundreds of thousands of homes; while the Santa Claus em- poriums offer smaller-sized Teddies, and weird likeness of many other furry animals, constructed on the same durable principle. The popular kiddo-car marked an- other era in the evolution of the mod- ern Santa Claus. Jike the teddy- bear, it has had scores of adaptations. The war seems to have stimulated human ingenuity in the devising of novel toys, and of variations to the old, dependable toys that are, per- THE SIGN OF QUALITY Look for the ROWENA trade-mark on the sack Lily White “The Flour the Best Cooks Use” IS CLEAN Thousands of Michigan women are using Lily White every day because they have learned by actual experience that no other flour is so positive of good home baking results. Breads, biscuits and pastries baked with Lily White are wholesome and flavory, appetizing and digestible. Before being milled the grain is cleaned, scoured and washed eight times. The six-break system grinds the nutritious portions of the wheat until the granulation is uniform and perfect. The finest imported silk bolting cloths are used. No foreign substances, and no inferior by- products enter Lily White. Excellent for Children Because Lily White is wholesome and clean it is of remarkable value to children whose growing bodies demand real nourishment. The best cooks take no chances of ruining their culinary perfections. They use Lily White for baking because they are good cooks. You, too, can get Lily White from your grocer. VALLEY CITY MILLING COMPANY GRAND RAPIDS, MICHIGAN “Millers for Sixty Years” Ads like these are being run regularly and continuously in the principal papers throughout Michigan. You will profit by carrying Lily White Flour in stock at all times, thereby being placed in position to supply the demand we are helping to create for Lily White Flour. RT nh wT — au Mar 0 somone a ee a? January 4, 1922 haps, always the best sellers and the most popular with the youngsters. Witness the improvisations on the old-fashioned shoo-fly rocker—the ducks, chickens, lions, and other weird animals equipped with rockers and delighting youngsters with their novelty. Similarly varied adaptations of the kiddo-car have made their ap- pearance. As for the new ideas in dolls, their name is legion. In the old days Ger- many dominated the doll situation, and whether a doll was big, medium or small, it had pretty much the same cast of countenance and the same long, ungainly figure. The expression dolls of recent years have marked a new era, in which the toymaker, far from following the traditional lines of decades and centuries, is learning to think and design for himself and for the countless American kiddies who enjoy something different from Santa Claus’ pack. All this represents additional out- lay for parents, and additional busi- ness opportunities for merchants catering to the Santa Claus trade. The demands of youngsters, even of small youngsers learning to toddle, are in- ordinate. I ask Wida Winifrid, aged 2% years, what she wants Santa Claus to bring her. “I want a bysawee,” she says, with conviction. A “bysawee,” being translated, means a “bicycle.” Multiply that by six or seven other demands equally extortionate, multiply that by the number of children between the At- lantic and the Pacific and between the Gulf of Mexico and the North Pole, and you have a pretty good idea of the sort of demand made upon Santa Claus. It would bankrupt humanity; but on the other hand it would pro- vide humanity with employment until next Christmas. Meanwhile, Santa Claus positively must supply at least a few of the things for which the kiddies are clam- oring. Which means that the old fellow with the cotton batten whisk- ers will continue every Christmas season to stagger beneath a constant- ly heavier pack; and between times will be kept busier than ever invent- ing new toys to delight youngsters throughout America and add to the lure of the Christmas shop windows. Victor Lauriston. —_—_+2>___ How To Test Rope. How strong is a rope? At the Bu- reau of Standards laboratories in the Department of Commerce, tests have been made that have resulted in answering that question with a formula. For three-strand regular lay manila rope from % to 4% inches in diameter, the following computation will give the breaking load of the rope: The average breaking load in pounds equals 5000 multiplied by the diameter of the rope in inches, multi- plied by the diameter of the rope in- creased by one. This will give, of course, the aver- age maximum weight that the rope will hold but the working load or the load that a contractor or safe-hauler may apply with proper safety and precaution would be considerably less than the load given by the formula. MICHIGAN TRADESMAN Proceedings in the Local Bankruptcy Court. Grand Rapids, Dee. 21—On this day were received the schedules, order of reference and adjudication in bankruptcy in the matter of Fred D. Bellis, Bankrupt No. 2030. The matter has been referred to Benn M. Corwin as referee. The bank- rupt is a resident of Grand Rapids and lists his occupation as a caretaker. The assets of the bankrupt are in the sum of $475, all of which is claimed as exempt, and liabilities in the sum of $1,099.06. A list of the creditors of the bankrupt is as follows, all located in Grand Rapids: Internal Revenue Dept. —---------$ 40 Lenora Kennebrew 20, Folger’s, Grand Rapids rae Arctie Ice Cream Co. i Oe ao General Cigar Co. S 1b.e0 Lewellyn & Co. . u.- FEO Central Candy Co. —_-- 27.8) mM Ciehr Co. 52.45 GW. Mills Paper Co. —.._-_. Lo hao T. M. Shaw, Grand Rapids --- 2.13 Mich. State Tel. Co. ....2225.0 0 20 National Grocer Co. oe _ 60,19 orntt & ©O. 0 ae epee American Can Co., Chicago =. 170:00 G. R. Store Fixtures Co. - B 39.45 Thomas Jefferson Lee oe ae Judson Grocer Co. _.. 1. «108.00 Joyee & Son —.--.._- 20.03 Foerincas bamery —. 00 1.48 Schiile . bakery 20.5012 a hte M. Piowaty & Sons ---- . 13.75 Soi Broters _...._.-.......__....., 6.53 Piper & Cutler —-_-_. 22.90 Fiunepereer. —-_-..-. : 3.30 William Barentson —-~ 19.05 J. F. Halladay Co. - .86 tysdale Candy Co. eo eas @poennens (0 ee Vandenberg Cigar Co. —--.-------- 35.42 Hekman Biscuit Co. 2... 22... 26.30 Sanitary Milk Co. =.= 15.84 Constumers: Ece Co. o- 28.33 Rive ros... 10.40 The first meeting of creditors in this matter will be held at the office of the referee on Jan. 3, funds having been advanced for the guaranty of the expense of the same. Dec. 21. On this day was held the first meeting of creditors in the matter of Harry Snyder, Bankrupt No. 2020, The bankrupt was present in person and by attorney, John Anderson. No creditors were present or represented. Several claims were proved and allowed against the estate. There being no creditors present to vote for the choice of a trus- tee, the referee appointed Matt N. Con- nine, of Muskegon as trustee, and fixed the amount of his bond at $500. The bankrupt was then sworn and examined by the referee without a reporter. The bankrupt stipulated orally to take his stock in trade exemptions pro rata in cash and allow the same to be sold with the balance of the assets. The inventory and appraisal was_ filed. The meeting was then adjourned without date. Dec. 22. On this day were received the petition, order of reference and ad- judication in bankruptcy in the matter of the Balknap Body Co., Bankrupt No. 2024. The matter has been referred to Benn M. Corwin, as_ referee, and who also has been appointed receiver. : custodian has taken charge of the prop- erty for the court. The bankrupt is a corporation of Grand Rapids and carrying on a business of making automobile bodies. From the fact that this is an involuntary case, no schedules have been filed as yet, and therefore the list of the bankrupt’s creditors cannot at this time be given. The schedules will be filed within the next few days. Dec. 23. On this day was held the first meeting of creditors in the matter of Bernhard & Plag, Bankrupt No. 1947. The petitioning creditors were repre- sented by R. J. Clelend, Geo. S. Norcross, f A. Keiser, K. B. Matthews, Hilding & Hilding, Arthur Van_ Duren, Clay F Olmstead, Robert J. Quail, Frank V. Blakely and Boltwood & Boltwood were present for various ereditors. A large number of claims were proved and allow- ed. Bernhard Ostendorf, of Ludington, was elected trustee and the amount of his bond fixed by the referee at $25,000. Bernard Ostendorf, receiver, was then examined. It was moved and earried by those present that the trustee apply for an order from the court for those appear- ing to have had preferences to show cause why they should not surrender the same or have suit instituted against them. The meeting was then adjourned to Jan. 17. Dec. 24. On this day an order was made paying the administration expenses, taxes and labor claims in the matter of Fred W. French, Bankrupt No. 1919. In the matter of Clare McNaughton. Bankrupt No. 2029, the funds necessary for the first meeting of creditors have been advanced to the court and the first meeting will be held on Jan. Re —._.»-~—-———— Will They Ever? Marie, the eight-year-old hopeful of a certain household, was seated at the breakfast table one morning, when, as usual, eggs were served. Either Marie was not hungry or she was tired of eggs, for she very earnestly said: “T wish to goodness that hens would lay something besides eggs.” We knew this book by Paul Findlay would go over big with the retail grocers of America. But we hardly expected the deluge of requests that has flooded this office. From every corner of the courr try and Canada, too—have come letters of en- thusiastic and grateful response. “A great book—one of the best I ever read on the subject of profits and pricing,” says the head of a large store in Chicago. “It certainly gives the right dope on the selling game,” comments anv other large operator in Los Angeles. While a small grocer ‘way up in Vermont voices the sen- timent of grocers the nation over when he says: “Paul Findlay is certainly the goods plus 100% —anything he writes is worth reading.” Only a small quantity of the first edition is left —but we'll promise to send you a copy by return post if you write at once. The quicker you get this profit-book and study its principles and price- tables the brighter your bank-balance will be in 1922. Write now! California Prune and Apricot Growers Inc., 199 Market Street, San Jose, Cali- fornia.y An association of 11,000 growers. SUNSWEET CALIFORNIA'S NATURE“FLAVORED RUNES 19 20 Y a ser : eee eee do q ewe wont SOY faatt wa. ad r GY - eptlio i 2 er ; oO vot 0 Olbea rn coltn Oy, Lal Af ap ee Z tte wep Tso Eee G ee oe aes ? ous ’ Z YY La ly, Gy Yi ag ig Uline yj Y] y Y / } 7 / Neer na nensememnnctenintaieiai sn iamaeh Nese MICHIGAN TRADESMAN We invite you to meet A reproduction of the letter received by Miller & Bingham (now Hall, Hartwell & Co.) in 1883 which is an ins iration to the manufacture of comfortable collars. January 4, 1922 Ls 7 ] Th li f Jaundry- Z e new line of launary 4 shrunk, semi-soft collars. Z \ ‘ ; +f Te seh, 9/88 = eer a dant fend, sa lt oe ee 7 (Meare )\ plowant J re 7 io uot yee ae 3 January 4, 1922 Leading wholesalers are now [ M A showing samples and booking SOFT COLLARS “MARK TWAIN” HALLMARK SOFT COLLARS are made of a fabric woven for our use, to which the utmost thought has been given with a view to producing a semi-soft collar, which will be smooth and good style in appearance, suitable alike for office or outdoor wear, and having all the laundry economies of the soft collar. Combined with this attractive fabric will be the skilled needle- work of Troy’s Master Craftsmen who know the art of collar making. These Hallmark collars are Jaundry-shrunk in order to insure practically no change in size by re-laundering.- Mark Twain is a product that embodies all the comfort and simplicity that appealed to Mr. Clemens. Undoubtedly it is the kind of collar he would have enjoyed. pence orders for Spring delivery. HALL, HARTWELL & co. Troy, N. Y. Makers of Hallmark Shirts, Hallmark Athletic Underwear, Hallmark and Slidewell Collars. MICHIGAN TRADESMAN 21 22 MICHIGAN TRADESMAN January 4, 1922 Michigan Retail Hardware Association. President—Norman G. Popp, Saginaw. Vice-President—Chas. J. Sturmer, Port Huron. Secretary—Arthur J. | Scott, Marine ty Treasurer—William Moore, De stroit. Suggestions For the i ovaware onic in January. Written for the Tradesman. Merchants differ as to the best time for taking stock, but the concensus of opinion favors early in January. A great many plunge into the task right after the New Year holiday; others wait until the second week of the year before starting. A few have found it advisable to wait until Feb- ruary. In the latter instance, however, the date is generally placed late in order to allow the holding of pre-in- ventory sales. Summing up all available informa- tion, and weighing all arguments ad- vanced by dealers of conflicting views, the majority conclusion seems to be that it is desirable to start stock- taking as early in the new year as cir- cumstances will allow. It is a dull season at best, and the necessary time can be more readily spared now than at any other season of the year. A further purpose served is that the inventory directly follows the close of the year and provides the merchant with the information necessary to en- able him to reach an accurate esti- mate of the business done during the twelve months. It is advisable that the close of the business year coin- cide as nearly as possible with the summing up of the year’s results. Many merchants hold clearance sales around stock-taking time—some before and some after. A great ma- jority seem to favor the after-inven- tory idea, though opinion ‘on this point is by no means unanimous. One firm I know of makes a practice of holding an annual pre-inventory sale. The procedure is to stage a big clearance sale in January, and to follow it up by taking stock toward the end of the month. The results in the past have been satisfactory to the management, and the practice is being continued. The head of the firm states that, by following this procedure it is pos- sible to clear out accumulated stocks, old lines and the odds and ends which are bound to gather in the course of a year’s business. The sale, if suc- cessful in any degree, materially re- duces the quantity of such odds and ends, and makes stock-taking that much easier. On the other hand, supporters of the after-inventory sale urge that, to bring the sale on before stock-taking, is much the same as putting the cart before the horse. The sale, they claim, is the logical outcome of the stock- taking, and not, in any sense, a pre- paratory step. From their point of view, it is impracticable to hold a clearing sale until the stock has been carefully sorted over. Stock-taking shows what lines need reducing and brings to light odd lines and slow sellers collected during the year. It would be impossible to know before- hand what stock the store contains which requires speedy handling unless a sort of preliminary inventory were made. The argument is apt to become theoretical; while it is the business of the hardware dealer to remain intense- ly practical, and to make his prac- tice fit the locality in which he car- ried on business and the conditions under which he operates. The ulti- mate decision, as to whether to hold the clearing sale before or after stock taking, is largely an individual one; and the merchant who knows his pub- lic and his community and is reason- ably familiar with his stock will be pretty apt to decide right, whether he decides for an early sale or a late one. There are successful dealers on both sides of the fence; for what suits one man’s business may not prove satis- factory for another. Indeed, one dealer I know of holds an “Odds and Ends Sale” just after Christmas, takes stock, and follows stock-taking with an elaborate clear- ance sale. This may seem like over- doing it; but the dealer claims he gets all the benefits. There are some dealers who take a different line. These hold, not a big general clearance sale after the stock- taking, but a series of specialty sales. That is, they make a display of some particular line of goods and endeavor to stimulate sales by featuring the one branch. One firm in a city of 25,000 people holds a laundry and dairy supp'y sale As a side-line they fea- ture a clearance sale in kitchen uten- sils, general tinware and heating ac- cessories. The heads of this firm be- lieve in doing things on a pretty wide scale. They advertise their ‘aundry and dairy sale for a week in the local dailies, using half page space, and at- tractively illustrating the marter with numerous cuts. They devote the en- tire second floor of ter store to the lines featured and the result, in normal years, is a pretty thorough clean-out of stock. Churns, separators, pans, washing machines, wringers, clothes baskets, clothespins and similar ar- ticles are sold in large quantities. in February. The heads of this firm are con- vinced that publicity pays to the full- est extent. Up until the last few years they aid not advertise very ex- tensively. After two years’ experience Michigan Hardware Company 100-108 Ellsworth Ave., Corner Oakes GRAND RAPIDS, MICH. Exclusive Jobbers of Shelf Hardware, Sporting Goods and FISHING TACKLE Foster, Stevens & Co. Wholesale Hardware wt 157-159 Monroe Ave. :: 151 to 161 Louis N. W. Grand Rapids, Mich. Used Adding Machines Burroughs, Wales & American. Used Check Writers Todd, F & E, Peerless, Sentinel. Save on these by buying of Grand Rapids Store Fixture Co. 7 Ionia Ave. N. W. GRAND RAPIDS, MICHIGAN Our travelers are out with the new things in robes, blankets, sheep lined coats and mackinaws. In the past our line of this merchandise has always been a strong and active one and for 1922 you will find many fine additions. Kindly wait until our salesman calls on you and then look over the line. You will be glad you waited for this. Brown & Sehler Co. Grand Rapids $3 Michigan mec ot January 4, 1922 of the extensive use of printers’ ink, they state that the result is an im- mediate increase in business. From modest proportions the laundry and dairy supply sale under the stimulus of advertising grew to such a size that it was only with some difficulty that the rush of trade could be handled. The difficulty at this time of year is to get people to the store; and the special sale achieves this result. Once they come in, they are likely to buy, if not the article that interested them in the first place, then likely somet thing else. To return to this matter of stock- taking, the sooner the task is done, the better. It is bound to prove a hindrance to trade in some respects. The salespeople cannot be expected to display keen interest in making sales while stock-taking is in progress. Cus- tomers know this, and prefer to do their shopping at some other time. It follows that the best time to take stock is when customers are least likely to call. The dullest period is unquestionably right after the Christmas trade, and in the great majority of cases it will be wise to plunge into the stock taking as soon as the holiday season is Over. “Last year I decided to postpone stock-taking,” a hardware dealer told me. “My custom had always been to plunge right into it almost as soon as the last holiday customer had made his exit. Still, there had always been some demand for left over Christmas goods during the time we were at work, and it occurred to me that it might be wise to postpone stock- taking for a couple of weeks and get all I could out of this belated trade. “I did it last year. Unfortunately, my customers had come to expect that I would be in the thick of my stock- taking right after New Years, and the expected increase in business did not materialize. The clerks stood around half the day with nothing whatever to do. Then when we did get started, customers began to drop in thinking it was all over. The results were un- satisfactory, to say the least.” In this connection one practical hardwareman suggests advertising the time of stock-taking. “Advertise it,” he says. “Start to tell the public some time beforehand that they will oblige you and benefit themselves if they make it a point to do their shopping a little earlier. They will follow the suggestion. Also, give them a hint that stock-taking will be followed by a big sale of goods, when special inducements will be in order. What with those who hurry up with their shopping to avoid stock- taking, and those who wait for the special in- ducements, you will find your trade concentrated before and after, leaving a fairly clear period to center on the stock-taking itself and get it out of the way. I have followed this plan and I don’t think I have lost any trade. Business has simply evened up for me.” Another dealer took a directly con- trary view. “It would amount to warning customers off your premises,” he said. “Lots of them would neither hurry their shopping nor wait until stock-taking was over; they would just go to another store. Of MICHIGAN TRADESMAN course most stores take stock at about the same period, which would help some. If an agreement was reached between all the merchants to take stock the same week, the idea ought to work.” These details are largely a matter of opinion, and opinion must be guided by local and individual conditions. No general rule can be laid down effective in all cases. It is important, however, to handle the stock-taking as rapidly as possible consistent with care and efficiency and to get it out of the way as early as possible in the new year. Victor Lauriston. —_—_»->—_—_ Three Good Little Tips. One particularly aggressive grocer recently capitalized upon the weak- ness of the male members of the fam- ily and issued a pie calendar to the housewives of his neighborhood, and even some of the women beyond the boundaries of his locality secured them. On this calendar he showed the housewife the different kinds of pies that could be made from the various fruits in their respective sea- sons. In other words, he put before the lady of the house a definite use for the fruits which he handled every month of the year in his store. A great many people to-day prefer to drink tea with a slice of lemon in it, in place of cream. Probably many of your customers are not familiar with the origin of this custom or just why they use lemons in this manner. A little educational work on the part of the merchant, in the way of window cards and special displays will fix a simple use like lemon in tea in the minds of your patrons so that they will soon believe that this is the only proper way to drink tea, and your sales of lemons will increase accord- ingly. It is said that in the fourth or fifth centuries tea was a favorite bev- erage in China. The leaves were steamed, crushed in a mortar, made into a cake and boiled together with rice, ginger, salt, orange peel, spices and lemons. A little window display with a small mortar, some tea leaves in the center of it, a hand-lettered card explaining the custom of the ancient Chinese and how the popular form to-day is to use a slice of lemon in the tea, will not only stimulate your sales of lemons, but will also add to the sales in your tea department. ———_—_> 2s >—___ Better believe yourself a dunce and work away than a genius and be idle. When You Need Any of the Following Items And Want the BEST POSSIBLE SERVICE Write The Dudley Paper Co. LANSING, MICH. Wrapping Paper—Twine Congoleum—Shingles—Roofing Wood Dishes—Milk Bottles 23 not because thinking. little this pay for it. Dept. F EXPERIENCE has taught me that the man who has won out, did so, brain to full capacity. want to buy stale (Ground Package) the next store you could buy it fresh ground, or yo Cut on an Blectric Mill? Doa little Would you eoffee, if in pockets with knit, A Holwiek Mill will contribute more to the pleasure and profit of your bus iness than any article of store fixture you have ever bought. { } Mill will cost and how easy it will be to B. C. HOLWICK, CANTON, OHIO. Electric Coffee Mills and Meat Choppers. Boot & Co., Grand Rapids Agents for was a genius, but because he use sd his working hard will never line your Let me tell you how Western Michigan. ous product. General Office & Plant Newaygo, Mich. A Quarter Century of Cement Making Succesful manufacturing in any line over a period of twenty-five years is pretty good assurance of a meritori- This record is but the foundation upon which we plan to build an even more successful future. Doesn’t this warrant your investigat- ing the reason for this long continued and constantly increasing popularity of Newaygo Portland Cement. Newaygo Portland Cement Co. Sales Office Commercial Savings Bank Bldg., Grand Rapids, Mich. We are making a special offer on Agricultural Hydrated Lime in less than car lots. A. B. KNOWLSON CO. Grand Rapids Michigan ir Ask about our way BARLOW BROS. Grand Rapids, Mich. WHEN U THINK OF A Business Education THINK OF Bookkeeping, Accounting, Auditing, Shorthand, Typewriting, Secy. Training, Salesmanship, Telegraphy and English subjects. Catalogue free. | Starts { Day New Term {Evening | Jan. 3. eh OY errs fra X CIGAR CO. STRIBUTORS 24 MEN OF MARK. John L. A. Galster, Leading Business Man of Petoskey. John L. A. Galster was born at Buffalo, N. Y., May 11, 1879. His antecedents were German on_ his father’s side and French on_ his mother’s side. The family consisted of three boys and four girls, all of whom now reside in Petoskey. In 1884 the family removed to Boyne Falls, where the father conducted a general store and_ hotel for many years. He is still living and resides in Petoskey with his children. The hotel was long noted for the excel- lence of the table, Mrs. Galster being regarded for many years as one of the best caterers in Northern Michigan. Mr. Galster attended a village school at Boyne Falls up to and including the tenth grade, devoting his spare time to waiting on customers in the store, where he acquired the rudiments of business under the most favorable conditions. When he was 17 years of age he went on the road selling ac- cident insurance. When he was 20 years old he removed to Petoskey, where he has since resided. Eighteen years ago he purchased the interest of E. C. Barnum in the fire insurance agency of Wachtel & Barnum. The business style was changed to Wach- tel & Galster. On the death of Mr. Wachtel, seven years ago, he pur- chased the Wachtel interest and formed a co-partnership with his brother, Henry G. Galster, under the style of the Galster Insurance Agency. The Agency represents forty-two old line companies in Northwestern Michi- gan and the Upper Peninsula. Mr. Galster is also State agent for the Southern Surety Co., of Des Moines, Iowa, covering the entire State except Wayne county. Mr. Galster was one of the founders of the Petoskey Portland Cement Co. and the Petoskey Transportation Co. He is Secretary and Treasurer of both organizations. He also owns a half interest in the Royal Cigar Co., of Petoskey. Mr. Galster was a member of the City Commission of Petoskey seven years and last November he started on a two-year term as Mayor of the city. Mr. Galster was the originator and is the leading spirit in the Galster- Davis Hunting Club, which comprsies thirty members, with a waiting list of twenty-seven. He was elected Presi- dent for life. The Club functions about six times a year and no member is excused on these occasions unless he is able to present a physician’s statement that he is incapacitated by illness. The Club owns a camp and a large tract of land near Rubican, Ontonagon county, where it meets two or three times a year. Mr. Galster was formerly a member of the State Fish Commission and now acts as one of the six members of the Conservation Department, in which work he takes great interest. Mr. Galster attends the Presbyter- ian church, but is not an active mem- ber. He has long been a member of the B. P. O. E. Last year he served MICHIGAN TRADESMAN the Petoskey Chamber of Commerce in the capacity of President. Mr. Galster was married Nov. 9, 1903, to Miss Lorene Buell, of Petos- key. They reside in their own home on Summit street. Mr. Galster attributes his success to the exercise of strong will power and to the fact that he never starts any- thing unless he intends to stay by it and finish it. He is a persistent work- er in the cause of good government, strict enforcement of the law and civic and community betterment and many commendatory remarks are made about him in his home town be- cause of his steadfastness in all ef- forts to build up the community in wrong, for the very people who should have taken advantage of these sales would not buy at all. I had some canned corn, standard pack, new brand and it would not sell. I tried the bar- gain counter—nothing doing. Then I got my thinker busy one Saturday night after I went to bed and this was the result: I cleaned off a shelf right back of the center of my tying up counter. I placed the corn which would not sell on these shelves, ar- ranging it conspicuously and neatly. I then placed a few dozen cans of the best brand of corn right on the counter in front of the shelves with the other corn. I marked this corn the same price as I had the slow corn. I marked the slow corn the price of the best. The best corn on the coun- ter had a few cans where the label was discolored or soiled or loose. These I placed in front, hiding the John L .A. Galster. which he lives and make it better and stronger in every way. +22 How One Merchant Moved Slow Selling Brands. Wilmington, Ohio, Jan. 3—I know a business man can get all kinds of books on business systems in his line, but you know and I know that you will run up against your own boulders in the hidden path in your Own par- ticular business. I won’t try to give you a cure all, but just some little experiences, and I know there are — of merchants whom this will it. I might have headed this “Slow goods and how to move them,” but that sounds too booky. All of us are sometimes rung in on some new brand, or a deal or some- thing, and maybe the article thus pur- chased is slow sale or perhaps does not move at all. Now I am in the grocery and general merchandise busi- ness in a suburb of our city. I con- duct a cash-and-carry store. I would not do business any other way. I used to advertise in our daily papers. That did not bring results. I had often put the articles I wanted to sell down on a bargain counter, cut the price away down, even below cost, and maybe I would dispose of a few. So I made uv my mind something was bright, clean labels. ‘Fhe first day I sold twenty-four cans of the slow corn and nione of the best. That is about the rate it went. Now I wanted to find out the reason of this condition, so I commenced to ask some of the customers when they wanted corn why they did not take advantage of the low price on my special sale? They replied they knew that there was something I wanted to get rid of or that it was old or something was the matter with it, etc. I put the best grade away for awhile, after the other was gone, and in a few weeks I put it back on the shelf in a new place and it went at the fancy price. I have used this sales system on breakfast foods, prepared mustard, jellies and jams, corn, peas, tomatoes, and canned fruit, and it has always worked. I have found out that you must not let your trade find out what you are anxious to get rid of. I have also found out it is a good plan every few weeks to change the position of my goods on the shelves. Pull them to the front and arrange them different- ly and neatly. Make your shelves look full and fresh and you will be surprised to note how quickly some of your everyday customers will say, “My, you have some new fruit and vegetables in. Just give me a can ot those sliced peaches.” I change the position of everything in my store ex- cept soap and flour and people know January 4, 1922 what they want when they come for them, especially the flour. Erskine R. Hayes. ————_+2 > 1921 a Bad Year for Co-operatives. From many sections of the West and also from Canada there have come reports in recent months of co- opera- tive stores in a peck of trouble. In the Province of Ontario the United Farmers’ Co-operative Company, con- ducting a chain of retail stores, is re- ported to have incurred a net trading loss of more than a quarter of a million dollars during the year. This story, of course, could be matched many times over by similar reports from mercantile establishments under private ownership, and it merely goes to prove that there is no peculiar magic about the co-operative system. Bad trade practices or world-wide eco- nomic forces beyond individual con- trol will affect the one type of store as well as the other. Overzealous apostles of co-operation have some- times appeared to believe that their pet scheme secures immunity from economic law. The management of the co-operative enterprise, and the mem- bership as well, should know some- thing of the business cycle, so that when deflation comes it can be met with a minimum of loss. A period of deflation always brings peculiar hardships to stores operating on the co-operative plan. The mem- bership of such an organization is al- ways willing to participate in the profits, and when prices are steadily rising and profits are rapidly accru- ing the enterprise may have smooth sailing. Part of the profits at this time should go into a reserve to tide the business over the coming periods of bad weather. For rather obvious reasons the co-operative store is not so likely to pursue the prudent course in this respect as the establishment under individual ownership and man- agement. Since the success of the en- terprise depends chiefly on its ability to sell goods as nearly at cost as pos- sible, there is not much opportunity for the manager to accumulate a safe reserve. When prices begin to break and inventories to shrink in value, the prospect of sharing losses instead of profits is more than likely to dissi- pate the loyalty of the membership, whereas in the case of individual own- ership the dealer facing possible loss- es is likely to take off his coat and work harder than ever. —__2 >> Farrady’s Resolved Cup. One day when Farrady, the great chemist, was out, a workman accident- ally knocked into a jar of acid a silver cup. It disappeared and was eaten up by the acid, and could not be found. The acid held it in solution. The workman was in great distress and perplexity. It was an utter mystery to him where the cup had gone. So far as his knowledge went, it had gone out of existence forever. When the great chemist came in and heard the story, he threw some chemicals into the jar, and in a moment every par- ticle of silver was precipitated to the bottom. He then lifted out the silver nugget and sent it to the smith, where it was recast into a beautiful cup. oo When we catch hell it is usually be- cause we have been pursuing it. nacnerervessamemernaemmasn st iercceaiaam a sapeanat a ROTA ETE OR ‘ i a ee ee ee ee ee - @ a aan ‘aman eet prey spersa oreo. cscernene 4 January 4, 1922 MICHIGAN TRADESMAN 25 We offer the unsold portion of: Holland-St. Louis Sugar Co. First Mortgage 8* Serial Bonds Dated November |, 1921 Due Serially, May |, 1924 to May I, 1936 Registered as to principal. Semi-annual interest payable May Ist and No- vember Ist, without deduction for any Federal Income Tax not exceeding 2%. Callable in whole or in multiples of $25,000 on any interest day on 30 days’ notice, at 105 and interest. Denominations, $100, $500 and $1,000 THE MICHIGAN TRUST COMPANY, TRUSTEE The jnterests of bond-holders are unusually well protected under this mortgage. Here is an important member of the great group of sugar producers. This is a basic industry and one of the great industries of the State of Michigan. It isa home industry of enormous size and importance. The original Holland Sugar Company has been in successful operation 22 years. The additional plants at St. Louis, Michigan, and Decatur, Indiana, are both larger. The combined capacities are about forty million pounds of refined sugar per annum. EARNINGS: Ten-year average of earnings, after depreciation and applicable to interest and taxes, $318,428.82; Five-year average to April 30th, 1921, $485,885.48. These two averages were respectively over three times, and over four and one-half times the max- imum interest charge on this bond issue. Tax Exempt in Michigan. Price: Par and interest, yielding Q 7% The Michigan Trust Company GRAND RAPIDS oo 26 The Value of Personal Appearance in Selling. In my mind one of the greatest assets a man or woman has, especially one in the selling game, is his or her personal appearance. Strange as it may seem, this is one of the things that many intelligent salespeople either forget or neglect out of pure carelessness, and if we delve down to the root of the matter we find that many a sale has actually been lost through just this forgetfulness or neglect. I do not mean by this that it is necessary to be foppish, not in the least, but I do contend that the little niceties of personal cleanliness and attention to the smaller details of dress and personal appearance will go far toward making us the 100 per cent. salespeople we are all striving to be. I have had salesmen (the ladies, God bless ’em, don’t classify for this rub) sit down opposite me at my desk many times for an interview and the malodorous perfume from a recently smoked pipe, cigar or cigarette has decided me against the man before he said a word. And to be real hon- est, | should apologize for that for I have always been an ardent admirer of “My Lady Nicotine.” However, | found early in my experience that to save the pleasure of a good smoke until after all calls were made, or to get my smoke between times and then use my tooth-brush, really brought results; and it was results I was after, just as it is results you want. Especially in the last few years, many of us have felt keenly the cost of clothing, and, myself among a lot of the other boys, have taken to bringing out our “little old last year’s suits.” This, in my mind, was mighty commendable, but some of us forgot that in order to make them as pre- sentable as they could be it was nec- essary to have them cleaned and pressed. It is not only an old suit that needs such attention, but our very newest of suits will eventually need it. This is one of the big things, and | am sorry to say, is too often neg- lected. There is not one of us who could not do this little job at home for ourselves if necessary. You see I am not in the cleaning and pressing business, nor am I selling this sort of machinery, therefore, I can honest- ly and heartily recommend the home method. I have had the experience. Unfortunately I hate to shave about as much as any man who was ever cursed by being closely related to “Old Brother Esau,’ and this is one reason, I suppose, why I have had to come to the point of doing that same thing every day of my life or having the people I meet won- der whether or not the doctor has ordered me to raise a full beard. I have felt many times that I would like to slip some fellow-salesman the price of a shave, and had it not been for the offense which surely would have been taken, I am sure that I would have mentioned the matter. But that was before the price of this little requisite had arrived at its pres- ent level. The idea is that we can all MICHIGAN TRADESMAN own a razor of sorts (I have several of “sorts” and the time taken to per- form the operation will more than repay us. I do not wish to appear as being fastidious, but the fact that a great majority of us have heretofore neg- lected to take proper care of our hands is no reason why there is any plausible excuse for it. Remember, don’t you, know perfectly asinine we used to think it was for a real he- man to be so effeminate as to doll himself all up in a wrist-watch? Then old Bill Hohenzollern went loco and some of us had to go over and help corral him and his wild bunch. What happened to the wrist watch? Walk down any street in any town, at any time, and see the class of men that still wears ’em. Just so did we used to feel about the man—no, we didn’t even give him credit for being a man but we felt that a person who had his nails manicured was fast reaching the limit, if not already arrived. Thank the powers that rule, how- ever, for the attitude of the average person in regard to the man who makes an effort to keep his hands looking as though he, too, had reach- ed a realization that true cleanliness, the kind other than that which can be had by the simple application of soap and water, is just as essential as keeping the teeth clean. We may not, all of us, have the time, inclina- tion nor wherewithal to keep a pro- fessional manicurist busy, but we can, any of us with the inclination, do a little something along this line for ourselves, and this too without being accused of wishing to become an exact counterpart of Lord Chester- field or Lord Fauntleroy. It is strange how many times a salesman will be very neatly dressed and whose personal appearance, with one exception, will meet with instant approval; but the one exception—his unpolished shoes—will immediately shout at you, with impish glee, their right to be thrown in the balance against him—shoes not only unpol- ished but, sad to say, in some in- stances kept in very bad repair. We probably realize, if we stop to think for a moment, that the amount ex- pended for full soles and heels on an old pair of shoes will as a general thing make them look almost as good as new and as the cost is not prohibitive, the additional attractive- ness to our personal appearance jus- tifies spending the amount, and much more if necessary. Many times it is only a small amount that is required to get the desired results, and yet there will be the apparent neglect. Clean collars on clean shirts, the cuffs of which are clean on the inside next to the wrist, are other requisites of a man well cared for. Granted it does cost more now than ever before for laundry bills, I am sure that you will agree with me when I say that these are points which we cannot af- ford to overlook and I very graciously acknowledge that few of us do. The point is just here: A _ sales- man calls on me in an effort to in- terest me in his wares, his personal appearance does not justify a belief eee Wash Goods New and attractive patterns in all kinds of Wash Goods arriving daily. flfre iw Wii See us—before placing your orders. | Quality Merchandise — Right Prices— Prompt Service PAUL STEKETEE & SONS WHOLESALE DRY GOODS GRAND RAPIDS, MICH. ee rraxitvex AMMA mAmAmOmona nat ROM ENO MEN PREPAREDNESS When the market was in the dumps during last July and August we prepared for January Sales by placing contracts for merchan- dise at low prices so that we could furnish you at this season of the year for your January Sale and we are in wonderful shape to take care of merchants and buyers who will pay us a visit this! month. We feel that we can save you money on your sale mer- chandise. We are listing below only a few of the many bargains we have to offer. 200 Black Satine Shirts -------------------------------- $ 8.371% Wabash Striped Overalls ------------------------------ 12.8714 430 Chambray Work Shirts ---------------------------~ 6.75 All Wool Storm Serge Middies, Navy Blue ------------ 2.00 140 Ladies’ Fleeced Hose, Black, all sizes -------------- 2.15 510 Men’s Slipover Sweaters, Wool Paced oo 2 2.00 1400 Boys’ Wool Mixed Sweaters, Color Comb. ---------- 2.25 173 Men’s Wrights Buckskins, U. S., dozen — 32.50 771 Heavy Wool Mittens, Assorted, dozen ------------- 3.50 780 Boys’ Sheep Mitten, Lined, dozen ------------------ 4.10 “Daisy” Ribbons, No.’s 80, 100, 150, Asst’d, 5 Dk., 1 Lt., pe. 1.85 81x90 Standard Bleached Sheets, dozen ---------------- 12.75 42x36 Bleached Pillow Cases, Good Quality -------------- 2.25 1931 Fancy Outing Flannels, Heavy Quality ...--.------ 117% 60x76 Cotton Blankets, First Quality -------------------- 1.17% 9-4 Brown Sheeting, First Quality ---------------------- 30 No. 75 Hamilton 44 inch Storm Serge ------------------ 85 No. 160 Amoskeag French Serge, 40 mech 2 ee 1.00 Columbia Light Percales, Full Pieces ------------------ 13% Diamond Hill Nainsook and @ambuc 6.2 13% GRAND RAPIDS DRY GOODS CO. Wholesale Only. — Inne January 4, 1922 Dame fe) fe) BROWN’S BEACH JACKETS IN STOCK Style 124 Sleeve without Collar, All Sizes $4.00 Style 224 Sleeve with Collar, All Sizes 4.50 Style 324 Vest, All Sizes 2.12% New Prices TOM WYE JACKETS IN STOCK No. 22 Two Pockets, Emerald Heather, 36, 38, 40, 42 -------------------- @$5.00 No. 42 Two Pockets, Emerald Heather, 36 to 46 ~------------------------ @ 5.75 No. 42 Two Pockets, Green Spray, 36, 38 @ 5.75 No. 42 Two Pockets, Seal Heather, 34, 36, 46 ~------------------------ --@ 5.75 No. 42 Two Pockets, Oxford Heather, 36, 38, 40 ------------------------ @ 5.75 New Prices Daniel T. Patton & Company Grand Rapids,Michigan - 59-63 Market Ave. NW. The Mens Furnishing Goods House of Michigan | , cist ao apo pier cl nis as aE T ncistnateialadian January 4, 1922 that he is doing well enough to en- able him to be well groomed. What is the conclusion? Wouldn’t I say to myself: “Either this fellow is not putting his proposition over and his firm cannot afford to spend much money on him or he is shiitiess?” In either case the answer would be In the first case, because he was not “ecttinge by, would have every right to. believe that the merchandise was not well received by the majority of people, and what is not good enough for my neighbor is not good enough for me. Some- thing wrong with the merchandise. In the second case, if the man is shiftless about little things—personal appearance, etc.—how will my orders be taken care of? If I order one item will he send a half dozen? And if I order half a dozen, will three of these be something entirely different than specified in the original order? Lack of interest in one’s self, lack of interest in one’s business. To those who are of the fraternity that gets its bread and butter by close personal contact with some of the nicest and most fastidious people on earth, even though it may be that we do not consider all of these things essential, I would say: “Let us have the consideration that will prompt us to remember that these good people are sitting in judgment upon us and the least we can do for our own cause is not to offend them. Cc. M. Tinker. the same. —_—__++2s___ A Clothing Trade Problem. The clothing manufacturer during the past year has been between the devil and the deep sea. On the one side has been the consumer who still demands good quality, but still expects lower prices than the trade can yet see its way clear to make. On the other side stand the operating costs which persist in staying up and there- by preventing producer and consumer from finding a common meeting ground. Old stocks have been thor- oughly liquidated and manufacturers and distributors have endeavored to bring down the volume of overhead expense. As a result, prices are lower, but the reductions, of course, do not correspond to the decline in prices of raw materials. The head of one large establishment making men’s clothing recently stated that if the spread be- tween the price of raw materials and finished goods continues to expand the trade might be forced to make a radi- cal revision in its methods of produc- tion and distribution. parece apparent A well-earned rest does not come between shovelsful of gravel; that is a well-paid rest. . We are manufacturers of Trimmed & Untrimmed HATS for Ladies, Misses and Children, especially adapted to the general store trade. Trial order solicited. CORL-KNOTT COMPANY, Corner Commerce Ave. and Island St. Grand Rapids, Mich. MICHIGAN TRADESMAN PRICES CURRENT ON STAPLE DRY GOODS. List prices corrected before going to against changes. Bleached Muslins. : Auto —--------------- Fruit of the Loom -- Bravo Cabot -------------—— Foot Defects. The Board of Health of New York City has recently made a special study of the feet of the children in one of the public schools with a view to ob- taining some idea of the prevalence of pedal defects among young boys and girls. The examinations, made by ortho- pedic surgeons, appeared to show that such defects are much commoner than has been supposed. The number of children examined was 356. Seven per cent. of the boys and 6 per cent. of the girls were found to have deformed toes. Six per cent. of the boys and 13 per cent. of the girls had “flat foot.” Forty-seven per cent. of the boys and 74 per cent. of the girls had “weak feet.” Ten per cent. of the boys and 17 per cent. of the girls had ingrowing toenails. The feet of 39 per cent. of the boys and 26 per cent. of the girls revealed corns or other excressences. Twenty-one per cent. of the boys and 2 per cent. of the girls walked with their toes turned in. Most of these troubles were of a character admitting of correction and cure, with proper treatment. If ne- glected, said the surgeons, some of them might cripple and ‘muvair the efficiency of the childres affected. The surgeons recommended that all growing children be examined for such defects and that those affected be watched and treated, in order that later in life they may be “foot-sound.” ——s eo May Declare Salmon Holiday. A pact with Canada for a complete shutdown of sockeye salmon fishing for a long period of years as a means of rehabilitating this valuable indus- try will undoubtedly be urged by the Washington State Fish Board which left Seattle recently for Vancouver to go in conference with provincial and dominion fishing authorities. Now that the sockeye treaty has been dis- carded, the Washington officials per- ceive a timely opportunity to frame international rules that will afford im- mediate protection to a fast decreas- ing industry. For the first time in sixteen years international fishery officials can get together and provide the necessary restrictions, and when L. H. Darwin, the present supervisor of fisheries, recommended the creation of a State fish board he saw the pres- ent opportunity for quick restrictive legislation. ————_ ~~ >> A love match should always light the fire on the alter of matrimony. We are in the market to buy and sell POTATOES, ONIONS, BEANS, FIELD SEEDS Any to offer, communicate with us. Moseley Brothers, GRAND RAPIDS, MICH. Both Telephones. Pleasant Street, Hilton Ave. & Rallroads. MILLER MICHIGAN POTATO CO. Wholesale Potatoes, Onions Correspondence Solicited Frank T. Miller, Sec’y and Treas. Wm. Alden Smith Building Grand Rapids, Michigan We Are Exclusive Selling Agents For BREDNUI THE NEW NUT BUTTER Specify BREDNUT in your next order. PIOWATY M. J. DARK & SONS GRAND RAPIDS, MICH. Receivers and Shippers of All Seasonable Fruits and Vegetables Blue Grass Butter Blue Grass Faaa Milk Country Club = Groceries QUALITY SUPREME Also PROCTER & GAMBLE Full Line of SOAPS, CHIPS, ETC. KENT STORAGE CO. DISTRIBUTORS GRAND RAPIDS MICHIGAN geil tabn t= ceca Wicd a epi SER a nade mh January 4, 1922 MICHIGAN TRADESMAN 29 Great Value of Canning Industry To World. Apples, sweet potatoes, or most any other article, if frozen when not in cans, are frequently spoiled and ren- dered unfit for use. No such damage occurs to the canned product, as the exclusion of the air seems to prevent damage at a temperature which would ruin fresh fruits or vegetables. Canned fruit, fish or vegetables may be frozen solidly in the cans or until the expansion causes the cans to bulge at the ends. If the cans are put in a place where the temperature is about 50 to 60 de- grees they will gradually thaw. If they are wanted for immediate use they can be thawed by being placed in warm water.and in neither case will the flavor or quality be injured. The chief risk of damage from freezing of canned foods is that when put in warm storage while frozen the cans will condense moisture from the atmosphere, will remain damp and quickly rust. If the goods are prompt- ly used, however, there will be no danger of rust or deterioration from that cause. Very little trouble arises from the freezing of canned foods. The dam- age is far less than that sustained by similar articles unprotected by the cans. Severe cold weather increases the sale of canned foods for several rea- sons. Appetites are invigorated and aroused and people eat more. Then the cold destroys thousands of tons of turnips, potatoes, cabbage, apples and other perishable fruits and vege- tables which are not efficiently pro- tected from the frost. It would surprise economists of food if statistics could be collected on the enormous quantity of perishable foods that is frozen and ruined in transit over the railroads during sud- den colt! snaps. This demonstrates the great value of the canning industry to the world for it saves food not only from wast- ing but from spoiling both in ex- tremes of cold and hot weather. John A. Lee. ———-—e-0- Teach Europe To Eat Corn. Europe is hungry. Its people nowa- days are glad to get any kind of food that will fill their empty stomachs. Hence the time seems favorable for teaching them to eat our corn. Efforts in this direction in the past have not met with much. success. Nothing is more difficult than to per- suade people to eat a thing that is new to them. When, during the famine of 1848, we shipped corr to Ireland, reports were circulated that consumption of that kind of grain by human beings “turned them into niggers.” This, it was said, was the reason why there were so many Negroes in the United States. Corn is extensively grown in Italy and Rumania, but in those countries it is prepared as a sort of porridge, and cornbread is practically unknown, Eu- ropean housewives are not much given to hot breads, and cold cornbread is not palatable. Besides, it gets stale quickly. In 1900 our Department of Agricul- ture organized an extensive corn “drive” in Europe. Small stoves were set up in grocery shops in many small towns in England, and bread, griddle- cakes and other preparations of maize were served free to all comers. But the crusade was a failure. Now, however, the Department of Commerce is going to try to introduce corn grits over there. Europeans eat a great deal of buckwheat, rice and pearl barley; and surely corn grits, prepared in the same way, ought to be acceptable. One reason why the people of En- rope rejected corn flour was that it did not keep well; but corn grits will keep as well as any other cereal prod- uct. During the last year relief or- ganizations over there have used large quantities of corn grits, which, pre- pared by boiling, proved highly ac- ceptable. Corn grits can be delivered in Eu- rope at half the cost of any other cereal food. Its cheapness recom- mends it at present. 2-2 Growing Importance of Cheese. Cheese making is now one of the important and growing industries of America. The use of cheese is in- creasing both in families that demand a bountiful table and those of frugal taste, with the result that home man- agers are clamoring for more informa- tion about cheese and are looking to the big food producing companies of the Nation for this knowledge. They want to know especially about the care of cheese in the home, the prin- ciples of cheese cookery and new and savory cheese dishes. Cheeses are of two general classes—those which are of mild flavor and those which are seasoned or ripened in such a way that they are highly flavored. The latter, like almost all highly flavored foods, are commonly used to season dishes made of ingredients without much distinctive flavor or else are used in small quantities at a time to make a dish-or meal more palatable. Cheese should be kept dry and covered, but never wholly exclude the air. If spread with melted paraffine it will keep moist. The receptable for cheese should be thoroughly sterilized before new cheese is placed in it. > How To Keep Happy. Keep your heart clean. Keep your mind free from worry. Keep your body in condition. Keep out of other people’s affairs. Keep on the job. Retail Grocers and General Merchants Association of Michigan President—John Affeldt, Jr., Lansing. Vice-President—Chas. G. Christensen, Saginaw. Treasurer—Chas, J. Schmidt, Bay City. Secretary—J. M. Bothwell, Cadillac. Maintained for the purpose of improving conditions for the retall grocer and meat dealer. Letters addressed the Secretary will have prompt attention. AN SATO) FRU BUT THEY MUST BE RIPE ALL the natural high-food values of the Banana are brought out by our careful method of ripening. ‘Yellow Kid” Bananas, when thoroughly ripe, are delicious, nutritious and wholesome in the highest degree. The Vinkemulder Company GRAND RAPIDS 2-3 MICHIGAN a Royal Baking That’s the way the wise woman starts her order for the Baking Bee. No ifs and buts about it! She says ROYAL with an emphasis, determination and finality that leave no room for misunderstanding. ROYAL Baking Powder Absolutely “Pure Powder! ” Contains No Alum -- Leaves No Bitter Taste You Make Satisfied Customers when you sell ‘‘SUNSHINE”’ FLOUR Watson-HigginsMlg.Co. GRAND RAPIDS. MICH. Merchant Millers Blended For Family Use Owned by Merchants roe dua, igeanda smd the TY eds wld Merchants Genuine Buckwheat Flour Brand Recommended Graham and Corn Meal _by Merchants J. F. Eesley Milling Co.| | NewPerfection Fiour The Sunshine Mills Packed In SAXOLIN Paper-lined MICHIGAN PLAINWELL, Cotton, Sanitary Sacks 30 POWER BEHIND THE THRONE. Confessions of the Wife of a Travel- ing Salesman. The man I married had long been a salesman in the employ of the same company in which my father was the treasurer. As a result of my close contact with “headquarters,” through him and others, I had the impression that the office was the really important part of the corporation and that the sales force had a pretty easy time of it. I honestly believed that the people who used the product made by this company simply had to have it—that there was no other made which would answer the same purpose! Imagine my surprise when I learned that my husband had to “hustle for orders!” “Why, honey!” I said, one day, when he came home all tired out, “I don’t see why you worry! Don’t those people absolutely need the stuff you sell, in order to keep their own work going?” I won’t attempt to describe the look he gave me, but I was informed, in no uncertain terms, that I was “dreaming.” When I confided to him the idea I had entertained regarding his end of the business, I thought he would go into hysterics! Once he had regained his com- posure, he said, “I see! You thought all I had to do was to provide myself with a body-guard, announce in the market places that I sold S and § products, and then plead with the rush of customers not to force me to call for police protection!” Right then and there, I had my first lesson in salesmanship. From time to time thereafter, he gave me pointers about the game, the most important being: “If you win a prospective cus- tomer’s friendship you may count ona sympathetic hearing. After that it is up to salesmanship to do the rest.” I studied a lot those days. I read books on the lives of women in diplomatic life; books on salesmanship, and articles on getting ahead. But most of «all, I kept my eyes open. I discovered that more business is done over the dinner table than in the office; that a customer is more flat- tered when entertained in one’s own home than when taken to a club or a hotel; that the golf course and the bridge table are also places of great importance, and that working for and contributing to pet charities works wonders. Now, if this article is to be helpful to any one—and I have been led to believe it may be—I shall have to be frank. That will not be difficult, but I shudder to think how conceited some people may think me, if I re- count how I won friendships through which my husband was eventually able to land some big contracts for his firm. Let me first say, however, that I believe the following three things to be fundamentally necessary to a suc- cessful campaign by the silent partner in this game: Dress properly at all times. Know how to entertain—and do it! Show a genuine interest in the hob- bies of one’s business friends and their wives. Recently, I was trying to prove my MICHIGAN TRADESMAN theory to a woman who differed with me. After giving her numerous ex- amples where it had worked, I finished up with, “and because I did this or that I made the man and his family our friends and thus helped to secure his business.” I was rewarded for my trouble in explaining how it worked, by this remark: “Well, do you think it was honest give your husband the because he is your for him to business just friend?” She had missed the point altogether. It was not a case of betraying a trust for the sake of friendship. It was simply that the friendly, personal foot- ing provided the necessary atmosphere and opportunity for my husband to clearly demonstrate the superior merit of what he had to offer; whereas, either prejudice or indifference had previously blocked his efforts to even get into the man’s office. Another woman once said she did not see how I could meet the very persons I wanted to and set about to make them my friends. “You know, most of the time you are a newcomer, and it is not up to you to make ad- vances,” she reminded me. This did make it hard but—“‘Where there’s a will there’s a way,” and I always found that way without for- getting the rules of Mrs. Grundy. With every shift to a new territory, we followed very much the same plan. As soon as we were settled, I attended concerts, lectures, and other open functions when we could not go to- gether. We took in the good shows that came to town. My _ husband joined the Country Club, where we at- tended the club dances and often dined. We were thus thrown with the people we wanted to meet and know. I studied them and, through observation and discreet enquiry, learned all I needed to know about their individual idiosyncracies and de- cided on the special treatment to which each one would probably re- spond. For instance, if I learned that Mrs. Blank presumed to pass upon her hus- band’s friends among the fair sex and disliked having other women either fuss over him or even seem to do so —a practice I detest and eschew—I always sought to bring about the de- sired interfamily relations, or intimacy, by being attentive to her and respect- ing her prejudices. I found that many buyers and pur- chasing agents for big companies were sick and tired of the way salesmen handed out expensive presents in or- der to influence them. A little later, I will tell you the story of a couple who, on this account, never chose to know socially the people with whom the husband did business. Who likes to receive a compliment or a gift for which the donor expects to be paid? But who is not influenced by a gift or a service rendered if it at least seems spontaneous? As an il- lustration, let me tell you of an in- cident that had much to do with my husband’s success in a particular ter- ritory. A certain customer was moving. His wife was not well, and he was worried for fear she might overdo. I learned what day they were going into the new house, how many friends were to help set the house to rights and at what time they would want luncheon, which I arranged to furnish. When offered, she could not refuse it because she knew I did the same, under similar circumstances, for other friends with whom we had no busi- ness dealings whatever. Besides the cold lunch—which I made very dainty in appearance if anything but dainty in size—there was a thermos bottle of hot coffee. When the house was set- tled, I sent some flowers with a note stating that I hoped they would be very happy in their new home. This service cost the company some- thing, of course; but it was gratefully accepted and appreciated, while an equally expensive present would have offended and been returned. In passing, let me remind you that it is useless to entertain beautifully for business friends unless you do likewise for friends of whom you ex- pect nothing. You will be sure to be found out and all your work will be undone. JI do not mean by this that everything you do on your personal account must cost a lot, but you must, at least, make it up to others in novelty and thoughtfulness when you entertain them. Also, to live up to the enviable reputation you establish will require you to be unusually vigilant and alert. I had the reputation everywhere of always remembering and serving the dishes for which our friends had at sometime or other expressed a prefer- ence, and everyone of them fully ex- pected to be served what he or she liked whenever I entertained them. A lapse of memory on my part would have been considered a faux pas, and the aggrieved one would have re- garded it in the light of—well,—al- most a slight! People are much flattered if you re- January 4, 1922 member their faces and names; and if you remember a bit of the last con- versation you have had with them, that works miracles. Of course, I always learned whether Mrs. and Mr. Customer were inter- ested in motoring, golf, theaters, bridge, dancing, or dinners before I attempted to entertain them. If they had a hobby, I learned something about it so that I could introduce the subject and make an intelligent re- mark, now and then, just to keep things going. You never can tell what may appeal to a person. I thought my greatest success lay in the fact that I served such good meals and always remem- bered my guests’ individual prefer- ences. You can imagine I was greatly surprised when informed by a mutual friend, that one of our most im- portant customers liked to have me in a party or to be entertained in our home because he considered me good at repartee! Of course, I knew he always “joshed” me a lot, but I never knew he set out with malice afore- Publishers and Jobbers of cArt Calendars 1923 samples now on display Wait for our salesman Grand Rapids Calendar Co. 572-584 Division Ave. S. Grand Rapids, - Michigan REMEMBER THE NAME! ‘Worven GRocER COMPANY Distributors GRAND RAPIDS, MICH. 5 in FOIL 25¢ Largest selling 5 cent cigar in the world Al all progressive stores chee balbntikant in gohan os as AE Ni SACRO Semtex sis — wid Aina Le gpa RANA ee a ie oben ssc la aac i= January 4, 1922 thought to see if he could stump me. In this game, one has to be alive every minute. _Each person is a law unto himself, and half the fun is in finding out how best to handle him. While I admit that I deliberately planned to meet and win people in many cases, I must tell you, in pass- ing, about one case I could not have planned nor would I have done so if I had been able. But I did take ad- vantage of the circumstances that accidently came my way. Just a short time after my husband took over a new territory, one of the company’s old customers “turned him down.” We knew he and his com- pany would eventually come back to us, but we wished to hasten the com- ing. One evening, as we were walking down the avenue, we ran into the man who could hurry or delay the return. He looked so forlorn and down- hearted that we stopped to chat with him. He told us he had just brought his wife to the city hospital after the doctors at home had given her up! No wonder he looked so pitiful, I thought, as I remembered his eight children and the happy home he was reported to have. After talking to him a few minutes, I asked him to come home with us and take pot luck. “T would love to,” he said, “if you would really give me pot luck, but I know you won't! I have been asked to pot luck before and been served a banquet. You can’t tell me that people have six or eight courses when they are not expecting guests.” We assured him he would certainly have it-and he did! The meal consisted of a small roast of beef, two potatoes and two baked onions, a salad of greens, and strawberry ice cream. There was sufficient meat for every- one, but the vegetable portions, also the salad, had to be pooled and, again, divided! The ice cream came out all right because my maid had just learned to make it and always made more than was necessary because she liked to give some of it to her friends; but they were disappointed that night! There were no left overs from that meal, but there was an after effect. Our guest was won! The next few days, he haunted our house and, final- ly, brought his bag over and remained with us until his wife was conveles- cent. And the end of that story is that his wife recovered her health, we won a life friend, and our company won back a lost customer. Another time we were stationed in South America. In those days my countrymen were generally regarded there with doubtful esteem—if not suspicion—all the way from the least among us up to our minister plenipo- tentiary. This made it very hard for my husband to get the “look in” he sought either socially or in a business way. Of course, I was anxious to help him improve the business of which he had assumed charge and secure a better social footing than any one who had preceded him. A railway company was in the mar- ket for various supplies. My husband knew that his goods, though higher priced, were of better quality than any offered by his competitors, but he also MICHIGAN TRADESMAN 31 knew that an American firm stood a slim chance of getting the contract if the railroad officials could get reason- ably satisfactory goods elsewhere. It became a question of how to get on such terms with the deciding power as to insure open-minded considera- tion of the superior merits of the American goods offered. We managed to meet the right man socially. In the course of the con- versation, I learned he was very lone- some for his family—a wife and three children in England. Also, that he could sing, but that in the absence of his wife, he could not enjoy his music because he had no one to play his accompaniments. This was the chance I was looking for! Being fortunate enough to have a piano in my apart- ment, I invited him to call and brnig his music. I was not much of a pianist; but by practicing hours be- tween calls, I was able not only to help him enjoy his pet hobby but es- tablished such a friendly relationship between him and us that when my husband went to him with his busi- ness proposition he was naturally pre- disposed to give him a sympathetic hearing. Nothing more was needed— salesmanship did the rest. I could tell you of other instances where service which cannot be bought helped to make material gains; but I won't, because I have made my point. However, I would not consider I had played the game if I did not give one incident where the wife had to be reckoned with. In this case, she refused to know anyone with whom her husband did business. This was a very serious problem for us, since we wanted to know them socially. Through mutual friends we finally met them. I learned that one of the reasons why Mrs. Customer had declined to know any of her husband’s business associates was because many of them had been most tactless. Costly presents had been pressed on her, even by those whom she had never met, with the ulterior motive of favorably influencing her husband toward them—or, so she thought—and she resented it by not only returning the gifts but refusing to meet the donors. Besides, these others had never taken the pains to find out what was her chief interest in life. I made this my first business, and, once I knew what it was, I familiarized myself with the subject. When ever I was with her, and the occasion presented itself, I always had some new angle from which to discuss it. I never made her an expensive present; but when a gift was suitable, it was sO personai that she could find no excuse for returning it without giving un- merited offense. After we had known each other for many years, she once asked me not to give her a Christmas present. I had ordered a monogramed gift made for her, and it was too late to cancel it. Of course, after she requested me not to give her anything, I could only acquiesce. But the gift was useless for anyone else. Early the following summer, I rather vaguely recalled that the date of her wedding anniverasry was about due, so I sent the gift and wrote her a wee note asking if I was right. I made the hit of my life. Someone asked her why she chose to associate with me when she refused to know the wives of other salesmen. “Oh, I never thought of her as be- ing in that class!” was her reply. I would rather have heard that than to have had a new dress. To-day many women they could make a living—go into business —but they cannot for various reasons. Sometimes their households take up all their time, sometimes their hus- bands object to having them work, saying, “I will make the living for the family.” But more often they do not feel they are prepared in any line. You need not worry about any of these things. For no matter which class you are in, no matter where you are, I believe you can go to business by doing a little teamwork and so help your husband to make such a success of himself that you will be kept busy enjoying that success. Some time ago, I was visiting in my home town. A woman I have known many years, said to me at a tea, one afternoon, “What an interesting life you must lead. Your husband is moved around the world so much you are constantly meeting new people and seeing new sights.” I admitted that what she said was true, but I did not add that my great- est happiness is that I knew I was really accomplishing something! _-Frances Van Dyke, in Success. REFRIGERATORS for ALL PURPOSES Send for Catalogue wish No. 95 for Residences No. 53 for Hotels, Clubs, Hospitals, Etc. No. 72 for Grocery Stores No. $4 for Meat Markets No. 75 for Florist Shops McCRAY REFRIGERATOR CO. 2244 Lake St., Kendallville, Ind. Wn. D. Batt FURS Hides Wool and Tallow Agent for the Grand Rapids Steam Ground Bone Fertilizer 28-30 Louis St. Grand Rapids, Michigan The foolhardy individual used to blow out the gas; now he steps on it. There Is No Substitute When a housewife asks for a nationally advertised product she should have it, and progressive, up- to-date grocers will always give preference to nationally advertised foods. There is no substitute for Shredded Wheat Biscuit You can grind up any old thing and call it a break- fast food, but there is only one Shredded Wheat. It is the most thoroughly cooked cereal food and combines deliciously with all kinds of fruits, creamed vegetables and creamed meats. Nothing can take its place. We have spent millions to create a demand for it. In supplying this demand you make a quick turnover and a fair profit. MADE ONLY BY The Shredded Wheat Company, Niagara Falls, N. Y. MICHIGAN TRADESMAN January 4, 1922 RU ‘ Ti A) Mien.” Nga | ese ~~ on. - P25. yw z * ‘ - t = = = =wZ = => = = = = = Sse be: =: = tae —- . 4 » 4 f= : —_ eC peepee c= a ee ee oi fis A MU oe oe a i oH he ty b WY ¢ Se ~ Sie 7 ey y Service and Charges at Two Kalama- zoo Hotels. Detroit, Jan. 3—In confirmation of what I have already written concern- ing hotel rates and in continuation of the subject, 1 am submitting you ad- ditional menus of hotels I have visited recently. Take, for instance, a house like the Park American Hotel, at Kalamazoo, operated under the management of Ernest McLean, well known not only on account of his successful conduct of this property, but also because of his having been connected with the Livingston, at Grand Rapids. This hotel, of modern and recent construc- tion is conducted on the European plan, with rates ranging from $1.50 per day upwards. The writer was shown apartments at various prices, all of which were well worth the prices charged. Many of the cheaper rooms are epecially attractive and would command higher rates almost anywhere. The lobby, parlors and more especially the main dining room are wonderfully attractive. In_ the latter is served ample and appetizing meals on the table d’hote plan. Club breakfasts ranging in charges from 35 to 85 cents, are here served. The luncheon at 75 cents is substantially like this: Vegetable Soup India Relish Boiled Pig Spareribs with Sauer Kraut Fricassee of Veal, Tea Biscuit Roast Ribs of Prime Native Beef, Natural Mashed Potatoes or Steamed Potatoes Mashed Turnips : Apple Pie or Baked Rice Pudding with Sweetened Cream Tea, Coffee, Milk or Buttermilk An evening dinner, exceedingly popular, and evidenced by the patron- age given, is especially well served and palatable. The charge for same is $1: Oyster Cocktail : Gold Heart Celery Olives Grilled Lake Trout, Latticed Potato Braised Sweetbreads, Macedoine Fricassee of Chicken, Egg Dumplings Roast Ribs of Prime Native Beef au Jus Mashed Potato, Browned Sweet Potato Kidney Beans, Cabbage and Beet Salad Pumpkin Pte, Asosrted Cakes Vanilla Ice Cream, Pineapple Sundae American Cheese, Saratoga Wafers Tea, Coffee, Milk In the administration of the hotel, Mr. McLean is very capably assisted by his wife, who with him shares in its popularity. While at the Park American I en- joyed the hospitality of the Rotary and Kiwanis clubs, whose programs included delightful luncheons served in one of the several auxiliary dining rooms of the hotel. The Park American is the worthy successor of the old American House, operated for many years by Fred Hotop and wife—of whom I will have something to say in the near future —and bears out the reputation of the old familiar caravansary among the old time travelers. Well known to the traveling frater- nity is the most excellent Columbia Hotel, in the same city, operated by Adam Ehrman’s Sons, who are by no means novices in the business, having been associated with their father for many years. I mention this hotel especially for the reason that it is brimming with hospitality and mod- erate in its charges for very excellent accommodations. All rooms’ have running water, phone and are nicely furnished. Two rates are in effect, Cream of Fowl $1.50 being the price for room with- out bath, and $2 for room with bath conveniences. But the really surpris- ing feature of the establishment is the exceedingly moderate charges for excellent meals, well served. Break- fast, including fruit, cereal, meats, griddle cakes, coffee, etc., are just 50 cents. No more or less. The charge for luncheon and dinner, with the following selection, is 65 cents. : Puree of Tomato Soup Dill Pickles Celery Sweet Pickles Roast Sirloin of Beef—au Jus Roast Loin of Pork—Fruit Jelly Chicken Giblets on Toast Mashed Potatoes Steamed Potatoes Sugar Corn Beet Salad Cherry and Apple Pie Vanilla Ice Cream Brown Bread White Bread Tea, Milk, Coffee DINNER Steamed Rice Bouillon Dill Pickles Celery Sweet Pickles Broiled Tenderloin or Sirloin Steak Plain or with Onions Fried Spring Chicken—Cream Sauce Assorted Cold Meats French Fried Potatoes Shrimp Salad Vanilla Ice Cream Hot Rolls Coffee, Milk, Tea The water supply for this hotel comes from its own artesian well. A new figure in Michigan hotel affairs is Walter Barnes, now oper- ating the well-known Rickman, at Kalamazoo, assisted by his son-in- law, Mr. Peifer. Later on I am going to tell you all about one of the most genial of men and an establishment of great merit. I might do it at this time were it not for the fact that my visit with Mr. Barnes, talking on good old times in the hotel field, consumed so much of my time which should have been devoted to sleep, I have not had a chance to catch up on that com- modity. Frank S. Verbeck. —_>2>—___ Studying Your Discounts. Get your pencil and pad. Figure this with us and see if we are cor- rect. If we are, then study on this and study it hard. Apple Pie On a bill of goods amounting to five hundred dollars, at 2 per cent. discount, ten days, the saving is $10. If you wait until the expiration of the thirty days you lose the ten dol- lars. In other words, you pay ten dol- lars for the use of $500 for twenty days or at the rate of 36 per cent. per year. You can borrow money when times are normal at 8 per cent. per year or in other words, you can borrow $500 for twenty days for $2.20. There is a net saving of $7.80 by taking advantage of the discount. Now then, multiply the number of times you pay out $500 for mer- chandise during the year by $7.80 and you will have your net saving by dicounting bills even if forced to borrow money to do so. This is merely a new way of presenting an old subject. Are we correct? It is worth thinking over. Cash on hand is worth two on the books, 139-141 Monee. St ee a oe) GRAND RAPIDS) MICH CUSHMAN HOTEL PETOSKEY, MICHIGAN The best Is none too good for a tired Commercial Traveler. Try the CUSHMAN on your next trip and you will feel right at home. The Newest Well Known for In Grand Rapids Comfort and Courtesy HOTEL BROWNING Three Short Blocks From Union Depot Grand Rapids, Mich. 150 FIRE PROOF ROOMS—AIll With Private Bath, $2.50 and $3.00 A. E. HAGER, Managing-Director OCCIDENTAL HOTEL FIRE PROOF CENTRALLY LOCATED Rates $1.00 and up EDWARD R, SWETT, Mar. Muskegon t-3 Michigan PARK-AMERICAN HOTEL Near G. R. & I. Depot Kalamazoo European Plan $1.50 and Up ERNEST McLEAN, Manager Western Hotel BIG RAPIDS, MICH. Hot and cold running water in all rooms. Several rooms with bath. All rooms well heated and well ventilated. A good place to stop. American plan. Rates reason- able. WILL F. JENKINS, Manager. HOTEL RICKMAN KALAMAZOO One block from Michigan Station. Headquarters U. C. Barnes & Pfeiffer, Props. Central i Beach’s Restaurant Four doors from Tradesman office QUALITY THE BES? HOTEL WHITCOMB St. Joseph, Mich. European Plan Headquarters for Commercial Men making the Twin Cities of ST. JOSEPH AND BENTON HARBOR Remodeled, refurnished and redecor- rated throughout. Cafe and Cafeteria in connection where the best of food is ob- tained at moderate prices. Rooms with running water $1.50, with private toilet $1.75 and $2.00, with private bath $2.50 and $3.00. J. T. TOWNSEND, Manager. IN THE HEART OF THE CITY Division and Fulton [ . ' $1.50 up without bath RATES ) © 55 un will bath CODY CAFETERIA IN CONNECTION New Hotel Mertens ¢~ 3 GRAND RAPIDS Rooms without bath, $1.50-$2.00; with show- ; er or tub, $2.50. Union - Meals, 1 cents or Stati on was. a la carte. sh for Reservation. a6 78 O Only peer yy BD ADs a wy : A ere \ Ww WN mo yam [77 3 Megs © NED Al Ta tah (eo fis pls, ahaa fev 7, fa 4, Ww ‘ie ey av! ESI Im Ww ws we : we wt Frey Fire Proof —_—_ Artificial Camphor. It is reported that there is now in this country an artificial camphor fac- tory, the product of which is intended to compete in the market with the natural substance. Artificial camphor is made from es- sential oils derived from turpentine. Chemically the only difference be- tween turpentine and camphor is the possession by each molecule of the latter of one atom of oxygen which is lacking in the former. By chemical process the needed oxygen is supplied. SIDNEY ELEVATORS Will reduce handling expense and speed up work—will make money for you. oot? installed. Plans and instructions sent wit each elevator. Write stating requirements, giving kind ching pod ‘orm wanted, as well as height. We will quote Io money saving price. Sidney Elevater Mnfg. Co., Sidney, Ohio Store Outfits. venience. Soda Fountains and Drug Store Fixtures We wish to remind you that we are fully equipped to serve you for the 1922 season along the line of Soda Fountains, Carbonators, Show Cases, Cigar Cases, and Complete Drug As in past years, we are State Agents for the Guarantee Iceless Fountain Co., of Grand Haven, and the Wilmarth Show Case Co., of Grand Rapids. Our Mr. Olds will be pleased to call on you at your con- Hazeltine & Perkins Drug Co. Grand Rapids, Michigan 35 Prices quoted are nominal, based on market Acids Boric (Powd.)-- 17 25 Boric (Xtal) ---17 25 Carbolic --.----- 30 36 Citric --.---—---— 65 10 Muriatic -~------- 4 6 Nwe 10 15 Oxalic -—~--.--.-- 25 30 Sulphuric ------- 4 6 Tartaric —...---— 42@ 50 Ammonia Water, 26 deg. -- 10@ 18 Water, 18 deg. -- 8%@ 13 Water, 14 deg. -- 6%@ 12 Carbona __---- 22@ 26 Chloride (Gran) 10@ 20 Balsams Copaiba ~--------- 60@1 00 Fir (Canada) ---2 a. yi) Fir (Oregon) ---_ 60 8 Peru 2 Barks Cassia (ordinary) 256@ 30 Cassia (Saigon) s 60 Sassafras (pw. 55c) 50 Soap Cut (powd.) @ S56 20 Berries Cubeb ---------- 1 50@1 75 Bish i... 25@ 30 Juniper ---------- 7 ¢g 16 Prickly Ash ---- 30 Extracts Licorice —------ _ 60@ 65 Licorice powd. -. 70@ 80 Flowers Arnica -~-------- oe 80 Chamomile (Ger.) 50 60 Chamomile Rom 7b@1 00 Gums Acacia, 1st ------ 50 66 Acacia, 2nd ----- 45 60 Acacia, Sorts —- 20 25 Acacia, powdered 30@ 36 ‘Aloes (Barb Pow) 25@ 3b ‘Aloes (Cape Pow) 30 36 ‘Aloes (Soc. Pow.) t 75 Asafoetida ------ 56@1 00 Pow. —. F 25@1 50 Camphor ------- 17@1 20 Guaiac ---------- @ 7b Guaiac, pow’d-- @1 00 Kino -.---------- @ 7 Kino, powdered_ @ 8b Myrrh ----------. @ 170 Myrrh, powdered @ Opium ------ __ 9 00@9 40 Opium, powd. 10 25@10 60 Opium, gran. 10 25@10 60 Shellac ~--------- 85@1 00 Shellac Bleached 90@1 05 ragacanth, pw. ‘‘urpentine ------ 25@ 80 Insecticides Arsenic ---------- 09@ 20 Blue Vitriol, bbl. 07 Blue Vitriol, less 8&@ Bordeaux Mix 17@ 30 Hellebore, White powdered 25 35 Insect Powder — 40 66 Lead Arsenate Po. 22@ 42 Lime and Sulphur Dry ----------- Paris Green ---- $1 43 ice Cream Piper Ice Cream Co. Bulk, Vanilla --——- 110 Bulk, Vanilla Special 1 20 Bulk, Chocolate ---— 1 20 Bulk, Caramel ------ 1 20 Bulk, Grape-Nut ---- 1 20 Bulk, Strawberry ---- 1 26 Bulkk, Tutti Fruiti . 1 26 Brick, Vani eT Brick, Fancy ------- 1 60 Jces ------ per oe Bae Sherbets ------------- 110 WN i : SOR : Leaves Buchu --------- 1 75@1 90 Buchu, joann’ 2 00 Sage, b' a 10 Sage, % loose -- 12 18 Sage, powdered_. 65 60 Senna, Alex. --- 1 40@1 60 Senna, Tinn. --- 0 36 Senna, Tinn. pow 35 40 Uva Ursai -------- 25 Olls Almonds, Bitter, awe 10 50@10 75 Almonds, Bitter, artificial - 2 50@3 75 Almonds, Sweet, true 3.3 1 00@i 26 Almonds, Sweet, imitation Amber, crude -. 2 00 2 25 Amber, rectified = 2 50 Anise —....---< 25@1 50 Bergamont ---- 8 00@8 25 Cajeput -.----~-- 1 60@1 75 Cassia ~---~.---—- 2 25@2 50 Castor ...--...— 1 32@1 56 Gedar Leaf —-. 1 50@1 75 Citronella ----— 66@1 00 Cloves .------- 3 50@3 76 Cocoanut ------ 380@ 40 Cod Liver ------ 85@1 00 Croton -.-.----- 25@2 50 Cotton Seed --. 1 10@1 20 Cubebs -------- 9 00@9 25 Higeron -------- 5 00@S 26 Eucalyptus ---- 85@1 20 Hemlock, pure. 1 50@1 75 Juniper Berries 3 25@3 50 Juniper Wood 1 50 1 7 Lard, extra .--- 1 25@1 46 ‘Lara, No. ft —- & 10@1 20 Lavendar Flow 6 00@6 25 Lavendar Gar’n 1 76@2 00 Lemon --.-—---- 1 60@1 75 Linseed Boiled bbl. @ 80 Linseed bld less f Linseed, raw, bbl. 73 Linseed, raw, less ae 93 Mustard, true 02Z. 2 Mustard, artifil, oz. @ 60 Neatsfoot ------ 1 10@1 30 Olive, pure _... 4 75@4 7d Olive, Malaga, yellow ----—- 2 16@3s 00 Olive, Malaga, green —-----— 2 756@3 00 Orange, Sweet 5 00@5 25 Origanum, pure 2 50 @ Origanum, com’! 1 00@1 20 Pennyroyal ---- 4 50@z2 Tb Peppermint ---~ 3 75@4 00 Rose, pure -. 12 00@ié 00 Rosemary Flows 1 50@1 76 Sandalwood, E. I. ___----- 10 50@10 76 Sassafras, true 2 00@2 25 Sassafras, arti’l 1 one 25 a Spearmint ----~- @5 25 Sperm -~---.--- 2 76@3 00 Tansy —.--~-~- 10 50@10 75 Tar, USP. ------ 50@ 66 Turpentine, bbl. -- @ 84 Yurpentine, less-- 91@ 99 Wintergreen, leat 2 8 00@8 25 Wintergreen, sweet birch —..-..-~ 3 75@4 00 Wintergreen art 80@1 10 Wormseed ---- 5 00@6 25 Wormwood .. 18 00@18 25 Potassium Bicarbonate -.-. 35@ 40 Bichromate -- 0@ 30 Bromide ---- 35@ 45 Carbonate ------ 380@ 3d Chlorate, gran’r On Za) 2... 18@ 25 Chlorate, powd. 13@ 20 Cyanide --------- 35@ 60 lodide .-....__.- 3 56@3 72 Permanganate -. 35@ 55 Prussate, yellow 45@ 55 Prussiate, red... 65@ 75 Sulphate ------- 0@ 50 Roots Alkanet --------- 45@ 50 Blood, powdered. 40@ 650 Calamus --.----- 5@ 75 Hlecampane, pwd 30@ 35 Gentian, powd. 20@ 30 Ginger, African, powdered .-.--- 23@ 30 Ginger, Jamaica 52@ 60 Ginger, Jamaica, powdered ---- 55@_ 65 Goldenseal, pow. 6 00@6 40 Ipecac, powd. -~ 2 75@3 00 Licorice -------- 0@ 45 Licorice, powd. 25@ 30 Orris, powdered @ 40 30 Poke, powdered 40@ 45 Rhubarb, powd. 75@1 00 Rhubarb, powd. 60@ 75 Rosinwood, powd. 30@ 35 Sarsaparilla, Hond. ground .....-- 1 25@1 40 Sarsaparilla Mexican, ground —....-.. 80 Squills — 5 Squills, powdered 60 10 Tumeric, powd. 15@ 20 Valerian, powd. 50@ 60 Seeds Anise H+ 4 35 Anise, powdered 38 40 Bird, is 13@ 15 Canary —........ 15 Caraway, Po. .25 13@ .15 Cardamon ---.. 1 60@1 75 Celery, powd. .85 .25@ 30 Coriander pow. .25 15 20 Di 2 10 20 Fennell —--------- 40 EF oo ag 13 Flax, ground -. 06 12 Foenugreek pow. 8 bi Lobelia, Powd. --- 1 50 eg 33 30 1 75@2 00 16 20 a ae 40 Sunflower ------- 15 1% Worm American 30@_ 40 Worm Levant 2 00@32 26 the day of issue. Tinctures Aconite ......._.. 1 86 AlGG8 1 66 Aroica ......---- 1 60 Asafoetida -~--..- 3 90 Belladonna -..-- @1 35 Benzoin -—--.---- @2 40 Benzoin Comp’d 3 15 Buchu 3 15 Cantharadies -.. 3 00 Capsicum _....... @2 30 Corecny .......... 1 50 Cinchona =... 210 Colchicum. ...... 2 00 Cubes... @3 00 Digitalis .......... @1 80 Gentian... @1 40 Ginger, I BS. .. @1 80 Guaiac ....... 4 @2 80 Guaiac, Ammon. 2 60 loging |... g 95 Iodine, Colorless @1 50 fron, Glo. acc 1 60 NEO a 1 40 Myre 2 56 Nux Vomica -... 1 50 Opium —.._._.__... 3 50 oon coeur. a @ 8 pium, Deodorz’ BRhhubard ......... 33 oo Paints Lead, red dry ~ 12% 12 Lead, white dry ung 12 12 wee Lead, white oil 12 Ochre, yellow bbl. ” Ochre, yellow less 2 PUY on * $ Red Venet’n Am. 8% 1 Red Venet’n Eng. 4 8 Whiting, bbl. -... 4 Whitite 5 8 L. H. P. Prep. 2 50@2 76 Rogers Prep. -. 2 560@2 76 Miscellaneous Acetanalid -..... 55@ 16 AMM oi 10@ 18 Alum, powd. and ground -____- -— 1@ 20 — Subni- FALE 230 2 43@2 eed xtal or “=e powdered _..{. 7%@ 18 Cantharades, po 1 50@4 00 Calomeée) ......._. 1 21@1 35 Capsicum —-. 40@ 45 Carmine -.. 6 00@6 60 Cassia Buds 0 0 Cloves oo 55 Chalk Prepared 16@ 18 Chloroform ........ 66@ 77 Chloral Hydrate 1 35@1 85 Cocaine ___.... 9 25@10 25 Cocoa Butter --. 5¢ 75 Corks, list, less 40@50% Copperas ~~~... 3 lu Copperas, Powd. y ; 4@ 10 Corrosive Sublm 1 17@1 26 CreamTartar ... 560 65 Cuttle bone ---. 40@ 50 Dextrime ........ 4@ 15 Dover’s Powder 3 50@4 00 Emery, Ali Nos. 10 16 Emery, Powdered. 8 10 Epsom Salts, bbls. 3 Epsom Salts, less 4% 9 Ergot, powdered 1 75@2 00 Flake White -... 16 20 Formaldehyde, lb. 16@ 20 Gelatine --~--- 1 40@1 60 Glassware, less 55%. Glassware, full case 60%. Glauber Salts, bbl. 03% Glauber Salts less 04 0 Glue, Brown . 21 30 Glue, Brown Grd. 17 26 Glue, White -... 35 40 Glue, White Grd. 30 35 Glycerine ~...-- 20%@ 35 Hops ------------ 65@ 76 Todgme 2. 5 80@5 75 Iodoform ~-.-.- 6 30@6 75 Lead Acetate — 18@ 26 Lycopodium ---. 3 60@4 00 B66 2 75 80 Mace, powdered §95@1 00 Menthol ~------- 6 50@7 00 Morphine --.--- 7 T5@8 80 Nux Vomica ---- 30 Nux Vomica, pow. 30 40 Pepper black pow. 82 Pepper, white — 40 45 Pitch, Burgundy io 15 Quassia ~-------- 12@ 15 Quinine —...___ 86@1 59 Rochelle Salts — 385@ 40 Saccharine --_-- @ 3 Salt Peter -~----- 3 22 Seidlitz Mixture 30 40 Soap, green -—--- 4s 36 Soap mott castile 22% 26 Soap, white castile CASO 2. @16 00 Soap, white castile o less, per bar ~--..- da ee 05 10 Soda, S asus @ Spirits Camphor @1 30 Sulphur, roll __ 04 10 Sulphur, Subl. -- 4% 10 Tamarinds ---- 25 30 Tartar Emetic me 15 Turpentine, Ven. 50@32 26 Zine Sulphate -- 36 CERY MICHIGAN TRAD —e PRICE CURRENT chan ing, and are ee are carefully corrected ae COCOA January 4 i are liable t ed to be correct at weekly, within six h Baker's YS ----~------ 46 Webster Ci a fill o change at an time of going t ours of mail- Bunte i Siang 42 Plaza, 50s, W gar Co. g3 ed at market prices a time, and country merch o press. Prices, however, Bunte, . Co Coronado, 50s ne -- = 00 favnowens * Co. Brands an ate of purch ants will h ao fh... 6 Tiffany.” 50s, Wood , 16 oz., dz. 15 00 eee. ase. ave their orde Droste’ seem Tituey hoe” Woot ar os = — rs s Dutch, 1 lb... 9 i Be Beces. ch Wood_-1 P. Lorri ae Dr ‘s 1 Ib. . Reges, 5 -125 00 : rilard B ADVAN ss Droste’ Dutch, % Ib. 300 Vanderbilt, Zés" wa tap ob Pioneer, 10c oo CED oste’s D . 4 oe A t, 25s, W Tig , doz Hominy Heriaes utch, % Ib. 2 00 mbassador, 25: 4140 00 wiser 10c, doz Zs G6 Apricots DE Fierahs ; 8 dak < s, W 170 00 Tiger, 50c, doz. —____ 96 edi Barley Post Toasti CLINED Hates eo : & voue-Ceet a ’ iz es i 4 80 aa Cigarettes es Lake Herring oe. — 36 Nab dia. eh sCate toe Co. Brand rs io ae oon ae , - er > Aa Spices roeae’ a i ~~ Fancy Cleat Hf 59 W=B Cut, 10e, doz. 9 me Oli lo : ey, 5 Ib. cans __.. ad av Rolled a Some Worcsieen o tea aga ---- 31 Oils ee ia PLUG on Fish eum an Houten, %s ______ 75 Primeros, 50s _____- 115 00 = Ameri TOBACCO. eee’ tert £8 __--_ 75 Queens, 258 -_____—- 140 00 erican Tobacc ne. ae ws, 5 COCOANUT Perfecto 258 Seo nce 180 00 An Brands » Ge, , » 208 -------- rer. , : 16 oz., oa ara sos ae FRUIT ae 5 hg case Dunham 60 L Starlight B 185 00 Aaiee nour: 10c, doz. 96 per doz - in carton, Apples, 3 Ib. Standard 1 7 CANNED Vv % case -~--.. 48 La Rose De P poe . Jolly Te avy, per plug 6s IX L. 3, doz. 12 oz, sae Apple "Sauce, Now 203 8) No. 1, Asparagus, Gand Tit tee trae te Cobetcns, oi ne. 65°60 Boot par, 14, por ving. 16 rsons, 3 doz -3 75 Apple Sauce, 0. 2_ 2 66 White tips - ulk, ba. pails 475 R ros, 50s ______ oot 3 4 , doz. 96 > . 8 le Sauce, N N ps _ rrels _ aa. 2 >; ack, 1 Me ee tee ae Peg Nc Vea —— $i ace ee Bee tg de a ee ee ee spe, med. 9 4) Abricots, Nov 2 55-74 a5 Wax pier RR cies cig Gi Sitcom tye Coe Hig og Liber Heidsiede” 206-1 8 MotB SZ tae a gt ec orwee tine Peete Sa ; ea af AXLE GREASE Apricots, No. 2% 2 25@3 50 Wax Beans, ‘_. ee 75 CLOTHE Porfects = aa 00 Spear Head, ace a Je Busberciss, - 109 00@13 50 Green Beans, 28 1 scant 2 Hemp, 50 ft S LINE ectos, 258 _-_--- ioe o Square Deal: ber plug 64 ma ee srries, No. i --300 Lima, Beans, No. 10 o - pene Cotton, 5 0 tt. 1 60 Rosenthas g oe Navy oe 64 ee No. 2__3 d0@3 00 Lima ie No. 2 Gr. 2 . oe 50 ft. 0 ft. 2 00 ee Londres oe: own Talk, per #3 64 ; erries, No. 2 50 R ans, 2s, So ° Sande 6) ee 2 90 ssue Wrap , Li Choasies: Ms. % 4 00@4 95 ed Kid., No. 2 ee ee 400 BB. rapped ggett & M ei om B o. 2 1 30G 0 Invin -- 58 00 yers B Loganberrics, 10 -. 18 00 Beets, No. 2, wh, 1 80g? $0 COFFEE ROASTED Foil Wrapped”. 70 0 ee a oe — # Peaches, N 1 coe 1 85 Beets, No. 3, — 1 25@1 75 Rio Bulk Union Mad ee Drunieond Nat, Oe Peaches, No.2 oo 2 18 Coen Aer 2 SENG af Maracaibo aon ism Egwertures Sb fol'te op Granier 2 ait te ches, No. 2%, Mich Se ee : acaibo ___ » 508 -.- anger Twist, 10c Peaches, 23 2%, Mich 2 60 orn, No. 2, Fa n. 1 65 Mexican ae ee 60 09 Herse Shoe ,10c, dz. 96 Fesieg RE Gt Mitt fe len Ne itt OO data ae ee ac es, No. 10, E 0. O. a and Mocha -- eba: dae Smoott Pp Cc ion i inn B och na, 25 J. 1, lug. Pineapple 1 slic, 1 60@1 . Okra, No. ” : ee i 38 Bogota Ta 3 sia ce cket Ge " King Pin ses in plug 24 ineapple, 2, Brk slic 2 76 ra, No. 2, whole --190 = package SS Moe ee ing Pin’ l0c cuts: ea Pp rk ; Dehyd pein | oba, 100 -- 3600 M c cuts, = Pineapple, 2%, sliced 3 26 Delivdrated Veg Soup 69 Liberty roo Lioba, 1008." is Masterpicce, per plug as D 1. ’ pate es ans, Bee Yom ve > 4 p- pails, per doz. 17 79 Pineap., 10, crus. 7 Wo@s a5 -tiecigieedeaees Hotels 38 Nedrow ~onewnnnnnnnnnnns "% ola Virginie gues °° Star, os 8 ioe, doz. 36 2 ‘ - 45 , ao Mus oice __ edrow ---------_-___- » 100s _ : gs a e Scaled No. 2% ae Po ae ut Hixtra a Royal Club 2-W-—1-—- 3 iomc nae gies =” pte Sam, 32 10¢ cut 2 2 ir POWDERS ee No. 2% eae Pe 2, Sift. 25@1 80 vue House "- ee mag - Havana Gem ees 18 50 ee & Co et, 4 oz. ms, No. »vune --------.- 5 Sune fe wd 26 B rands. : cre Bm ae ke eupborrins NG. 2. bik. 3 os Peas, Nov, Bx. Sift Sethe as wera - CIGA ” foe oe a Cc doz, 1 R o. 2, b B Sift aughlin’: O RETT eam D 38 See scl 9” Di 338 Beas J. ganz yt 209? 10 MeLaughlin Mins XXXX Beechnat, 20, 6 Fisew Some ee pea ° ---- » ux. Bin e XXXX p ‘ : U Calumet, 10 ag ase cen CANNED FISH a Nes a ee oe yea is onid Home fe of oy rae oo eae 1 Per jae . . ce . er, . in Noe 4100 ie an a Gir x K. Joc, doz: ---- 98 Clams, Si er, 10% oz. 1 35 Pimentos, No. 10 7.3.78 Givoct 40 W. #- ail orders Sunshine, ib aul i ue Be . . C., 2 2 Soe 5 a , Steamed “imentoes, cago. - Red Band a oS rands. eS: oi. Se 7a Riana ame Soni Srunemeg, 581i Ban SuNtaleoe MR Bai climax, 1 tis, don ake, 6 oz. _- Cl ie, 10 oz. 3 ; ut, No. 3. . Y¥., per 100 Yamels, 20, Plain 1.” 700 Cli ooth, plu Queen F oz. -- 1 35 am Bouill . 3 30 Succotash "60 4«©0- Feank’s 250 packages 1 Rel Plain ___ = max Thick, e 2 Queen ea oes kegs 13 (Gbicken Haddie 1 2 50 Succotash, No: .: 60@2 35 Pieonere « packages 14 a sett 20, Plain _.____ J = Red Cross, k, per plug 72 poval. 10c, doz Os, keg 4 hee Hinkes, on : o sees No. “as = aR 0 1 Ib. -. 09% Sweet Caren. oe 20 7 75 ed Crcgs, per ae Mh oyal, 6 oz., doz. __ ‘ ish Cake, 10 oz. spinach, No ‘ "a are ONDEN Windsor C pl. 7 75 Royal, 12 +, doz, - 2 4 Cove Oysters 5 oz. 185 Spinach No. 3 1 ial 78 B SED MILK Che astle Fag 2 R ’ ae 5 , : agile, 4 esterfield, 6809 4. Reyn Boral b 1 — doz... 520 Lobsters, No 8 "135 #Spinach, No. 1 210@2 85 Leader doz. . Piedmo 10 & 20,75 ynolds Tobacco C Ridin, lec Gon. ah 99 Lobsters, No. %,. Star 7 50 Tomatoes, No 0 ---- 6 75 er, 4 dor. 6 9 2 Spur, o 10 & 20, PL 7 50 Apple, 5 Brands. . mints & 6 doz... «96 «=obsters, N eee Tomatces, No. oe Sw. Pilati 0 Bee ae ee Sea ib oe aoe, 2 Siiap Noe i wee 2 OD Touigibes, Ne % gies | Gr MILK Idle (Ties s, 20, Plain § 00 co nee Te a Rumford, 5 Ib., a c : a: — 1, dry _. ; . Tomatoes, No. ee : Hebe, 1 ere Omar, 20, 20, Plain -- 8 00 reaeael ad Superior, 0c. 96 yson, 4 0z dc : Shrimp, No. 1% dry eneee H all, 4 do alks 1. ---- 10 00 Kismet, a Ryson, 8 oz. on, 136) Card's, % Oil, k. "4 96 4 60 CATSU ebe, Baby, 8 doz. ~~ 400 Richm’a 8 Cut 20, Pl. 9 75 Jiber per Ib. 1 20 Ryson, 5, COE. .. 2 26 Sardines, 25@4 16 B- c P. Carolene, T: oz... 390 S Cut, 20, pl. 5 erty Bell, } se AL 20 Sup sooligg 02.» doz. 4 05 Sardines, % Oil, W’less 8 78 B-nut, Large ae 2 95 Carolene, baby . oe co. fen OO ut, 20 ’ die. 10 00 Maritana, 15¢ Fol, de 14s re ° sardines, % Mus. 3 75 raziers, 14 oz. _----- SS Helmar, 2 lain -. 9 50 vist, per lb 73 BLUING Salmon, Warr ‘ @i 75 = Libb OZ, —------ 22 Engli 0, Plain _- 10 6 John J. Jennings Condensed Soacemreay acne. 48 2 60 Libby. ee Eee 2 . EVAPORATED M Tosieh Qvals, 20 Pl. io = ee & Co = ba Seat C noare Seltpon, Het es yen vee Ze ~—--———— i 90 Carnation, T iLK fae ie a Maple Di = 3 doz. Case fee) Cap “< eines, Med. Alaska : . ver aon, a on A oe Carnation, Boe eae 5 09 Helmar io ie, cork 11 50 Pp, per plug-. 50 ow on, Pink ill : oz, - 3 1 ver , 8 dz. 4 erbert ain -_ 1 Sas pee ee ae ,plasica 1 40 Lilly Valley, pint, — 2 16 Every Day’ Baby 3 bo Herbert ‘Tarryton, 20 1160 SMOKING TO Cracked Wheat, 24-2 4 85 ee Ga ican “a5 ey, Piati ss Goshen. Pau aby 3) ee ae a oe Aieice de ream of Wheat es, Cal. -. 1 75 oshen, Gallon __._._ 4 95 urad, 10, --.. 15 50 B acco Co Pillsbury’s Best Cer’l 755 fune, & Alboco @2 10 CeAILI SAUCE eee 459 Murad, 10, Plain _-_ 16 09 2anner, ee ; Quaker Puff pe Cer’! 2 70 Tuna, %, Neke Se » an © = : Murad, 20, cork or pl. 16 00 Banner, t C., 10c, dz. | 96 Quaker Puffed Rice-. 5 45 Tuna, ‘2, oak 445 Snider, 8 ox 3 50 Luxur cork or pl. 16 09 Blue ee, Or, Ss dz. 3 84 Guaker Brist Biscuit 180 Bacon, Med Thoda dain) coisas Midladirino, So" sig’ °° Bob Boar, 300 Vac tin 2 7 ’ . r . Ralston oo Bacon, eda 8 OYSTER COCKTAIL Melicuine ee. i730 oo Bull moar ee o on jBranzos ---- acon, Large niders, 16 . cork or p oe rum, Gran., , az. 96 Ralston F. ---- 270 Beef, No , Brie -. 300 Sniders, OZ. ------ 36 Melach’ lain —-__ Five | an., 10c, dz. Balen weed eas 2g et AS RO ae nae Nee UR gate Ee Ue eat F a eef, No. % = atural, 1 650 Giant, L i. , dz. 96 Shred. Wheat Biscuit : i Beet, bg i. Gan. a ; : ioe Markaroff, Pa a2 a Gert - c.” Pails a ; a Post’ , No. 1, i . D een wohl Ges Te oes rrick, 3 , dz 6 84 Gisen et, aeons Beef, No. 1, moat, sli. 3 25 Sep ‘mall tins — = : . Pall Mail Rd., 20, pl. 16 00 Imperial Gobet sie dz. 2 70 Grape-Nuts, 1008. 2 1b Beet No! , Bnut all. $ Je Kraft American’ ——- 2 78 Benson & Hedges, 40 20 99 Myrtle Navy. i Gat 1 68 ostum Cereal, 128 __ steak & Oni : Pine: ns = meses, 10, , 0 yrtle Nav ut 1 63 >, , 128 Ch ions, 1s 3 imento, ano= & 40 M Plain __ M y Plug Cc Fore Rocaiee’ dee — 2S Deviled Ham. ist 3003 $8 Hoquefort, small ting 2 23 Baltes, Is 0 Sold 10 80 Navy, Gan 40 Po. 1 tt , 245 -- 2 85 eviled Ham, --- 2 20 mbert, small ti ondex. 10° un. 21090 Nigger TH ~ 106 —. . 96 H: ; me 3 Brick __ ns 2 25 Philips en Ni air, 10c, . Standard Parlor 23 Ib. ioe. C Wisconsin lata =~" . bres Oo 10 ti 2200 Nigger Head, Palis, aa 8 40 Ex Fancy Pai 23 lb._ 4 - ager Beef, 4 A au : 15 ice Daisy _____- - eueer cee Tall 5 00 Ambassador, a Pi. a 00 Ae English, - a 4 96 ey Parlor 25 Ib otted Meat, ---- 140 N ee er Cow, Baby ___ , 10 or 50 _... 00 Peerless, L - 16c 1 60 Fey, Parl 8 60 Potted Meat, % Libby 50 New Work 200 24 Van Camp, y 480 Benson & 0 _- 37 50 Peerle » C., 10c_ toy ; or 26 Ib 9 00 Potted eat, % Libb iichicen Hal Gam 27 Vanc p, Tall -- 5 T Hedges poe te Ce dsc daz 8 36 se Meat, y 90 gan Fuil Cream 1 Camp, Bab -- 5 00 uberettes — eerless, L. . 8 36 Wisi, No. -—--—- 298 Vienna ‘Saus ee 22 White Holise, Tati 4 1 meee oh ae a C. Palla 7 44 : oS ere 300 Veal Li aus., No. % 1 35 CHEWIN ouse, Baby_ 4 50 Riz La C APERS. Rob feo’ L. Cc: 40c 3 8 BRUSH oaf, Medium ~~ Ad. G GUM Riz L roix, Wh., dz. Sw oy, L. C., pails 4 cru — oPerby, Brands In Gi 230 ‘AGams Black Jack _._ 65 c Riz Ta: Wheat Br., 1007 4 Pi ' 98 Solid Back. 8 in on Tear gg a T9560 Adams Cale wrait 2. 66 Worden G e ae ae oe per 100 ¢ g9. Soldier Bor be” toe 96 pee 4 x Ton ona Ada - Fruit . 65 rocer Co. B . ig Tu , pail Pointed ek in. 175 Calf Tongue a hth ae ee . Ha: - Brands TOBAC 2 a 1 = ce eee Lamb Ton , No. 1. 6 45 dams Sen Sen _____ 65 Kiddie rvester Line. L CO—FINE CUT. uxedo, Gran ic foil 1 44 Stove Tacit gue, Wh. 1s 6 Adams Y ~ 65 Re s, 100s ____ iggett & M . . Tuxedo, Gran. c. ds 1 63 No. 1 L Tongue, sm. sl 0 8B Yucatan - cord Break --- 3750 Hia yers Brand , Gran. Cut ’ . i. 3 25 eeman’s P - 65 Delm eakers, 50s 76 watha, 10c nas plugs, 8 ? 0. 1 10 pare Tongue, No. 1 Bocohiut epsin .._. 65 elmonico, 50s 00 Hiawatha, 16 o doz... 96 Yale Mi oz. ting _. 7 20 . wo ae a 6 00 Doublemint ~ 70 Panatella, 508 _... . 00 Red Bell, 6 oz., dz. 12 00 ix., 15¢ vac. tin 1 ea ae emint —_ Pavorlta Chib, bon 500 R ell, 10c, do “ No. 1 Viesn am, % --.. Juicy Fru ——— 65 BR Club, 50s ed Bell, 35c,. z.._. 96 Liggett & No. 2 Vinee Sea sm. i : tenella —--- 85 eee 50s 2 aie $3 00 ©6Red Bell, abe P. doz... 350 Briar Pi Meyers Brands. No. Sliced saree. Lge. 2 90 gad rigleys — 65 orfs, 50s __ “ . Si Where 1,000 books are allons, each -------- 1890 = oz., per doz. -------- 44 plac 90 ib. sack .... 2 60 oc ros. Tobacco Co. ordered at a time, special- FLOUR A uaker, 18 Regular -. 2 065 Mail Pouch, 10c, doz. 96 ly print, front cover is : — eer MATCHES. Quaker,, 12s Family a. & 25 obacco Co., Brands. yO ’ > , x. Silver Flake, 18 eg. 1 45 ae Sach. 2255000 90 Safe Home, 100 boxes 5 80 ee 5 American. Mbtare, 35¢ 3 30 CREAM OF TARTAR Hapccnt, Gueen. 264.7 90 did Pal, 144 boxes — 8 00 Silver Flake, 10 Fam. 1 85 — Pee 95¢ 240 6 Ib. boxes ----------- 46 Light Loaf Spring Domino, 720, 1¢ boxes 5 50 heappagns Epa ets, Wheat, 2448 _-- 8 30 Red Stick, 720 1c bxs 550 gemaac, 12 SALAD DRESSING Pos OZ. a —_ 270 DRIED FRUITS snow Flake, 24%s8 —- 2 10 Red Stick, 144 bxs -- 6 00 Semdac, 1¢ pt. cans 310 Durkee’s large, 1 doz. 6 60 lampagne Sparklets, Avples Graham 25 Ib per_cwt 3 20 Semdac, 12 at. cans 450 Durkee's med. 2, dos. ? 38 Bi i es apenas 10 vap’d Choice, blk. -- 17% Golden Granulated Meal, Safety Matches. PICKLES Durkee’s Picnic, 2 dz. 3 26 ersonal Mixture --_- 6 60 25 Ib Red Top, 5 gro. case 5 75 Snider's large, 1 doz. 3 50 Pp 95 : . 25 Ibs., per cwt., N 2 30 Medium Sour = : ' . Periane, 250, per oa a5 . ; Apricens on Rowena Pancake Com- Sociable, per gro. ---- 190 parrel, 1,200 count Snider's small, 2 doz. 2 35 s 3 ; > az Svaporated, Choice ---- «! d, 5 lb. sack 4 20 HIs. +175 SALERATUS Serene Mixture, 8 oz. 7 60 Evaporated, Fancy ---- 32 pioke ; ‘ 1d MINCE, MEAT. Half bbis., 1300 count 17 50 ; i ' - Boat ocd = ‘ *kwheat Compound, None Such, 3 doz. -- 5 35 5 allon kegs --3 00@5 50 Arm and Hammer -- 3 1 ee es 70 Evaporated, Slab ----- 24 5 Ib. sack ~--------- 420 Quaker, 3 doz. case -- i. | sano weet Small sie 8 SAL SODA ture, 50c., doz. ---- 4 00 Citron r : . Gutches, 3 doz. case 400 Barrels —---- 22 50@32 00 Granulated, bbls 2 25 Vintage Blend, 25¢ da, 2 30 10 Gee o Ween eee ee Wet dh 2 BA bare Granulated, 100 Ibs cs 2 50 " : a le 5 gallon kegs ------- ‘ Vintage ee a ea ig New Perfection, %s- 7 40 sin guene ‘eng gist 24 50 a ae tins, doz. ~--------- 1470 Boxes, Bulk, per lb. -- 17 Meal x “e Greens go 1809 ie _COD FISH. . ancy Open Kettle --- 4 i Middles ~------------- 16 Beperbs Toeecce Co. Seachos - Grain M. Co. cncice ae - aay OE ats ques Tablets, 1 lb. Pure -- 8 s o. Evap. Choice, Unpeeled 16 Bolten = 225 Good ---~---------------- Cob, 3 doz. in bx 1 00@1 20 Tablets, % lb. Pure, ammy Beyreip, ox 08 Bin. Shoes Uaveded 1f Gollan Gawuiied = 2 AF a HOM AUT NREAROE, wilh ios Pus : S Wap. ¢ 7, Peeled —- 2 Pre We 9 8 CGR gems comer men ee = No. Ss at... . oC oxes, ure ---- 4¢ Havana "lossom. de, $6 BLED! Special snan-—o- 1 viuiss ek aasaa veonera °° No: SOptegmmbent —-— GG Imperial, “Wood boxes” 36 Se nakee 4 on. 8 Or No. 1 Red o2202 4 1 04 Molasses in Cans. Pickett -------------- 3.50 Whole Cod ---------- 12 Fiioran. i6c; doz. 36 : . Dee! . No. 1 White -------- 1 02 Red Hen, 24, ed a 2 - Congress | aii Se 6 00 Holland Herring Lieberman, 10c, doz. . 1) temon, American ------ 3 ed Hen, 24, 2% Ib. ¥ we. oe 2 00 WF olor, We don 94, Cranes. American’ --— *! Gariots oer Pe ee ae $00 Babbitt ect Sg i" ee , R 1 for, 200; 000: 308 a a a ape @anots: 0 e en, 6, Be 2 oe . ¥ ., Kegs ---------- Roval a teak oe ee Raisins Corlott an Gariots 46 Ginger Cake, 24, 2 Ib. 3°00 Beef. ” gre i Seeded, bulk —-—----- 17 eo Ginger Cake, 24, 2% Ib 4.00 ‘Top Steers and Helfers 13 x k KK. Norway — #0 60 Larus & Bro. Co.’s Brands Seeded, 1 Ib. pkg.. -- 18% : L u Ginger Cake, 12, 5 Ib. 3 75 Good Steers and Heifers 12 ¢ is — + Seedless, bulk ------ 20 CarlotS ---------------- 56 Ginger Cake. 6, 10 lb. 3 50 Med. Steers & Heifers 10 , Tb. SOR es 1 40 Edgeworth Ready Rub- Seedless, 1 lb. pkg. --. 24 Less than Carlots ---- 60 06 & L Spec "04, 2% 5 50 Com. Steers & Heifers 08 Cat LRA ene 1 36 bed, tie. Tins 16% Sultana Seediess, bulk. 17 Hay OF x. auec, 12,.5 te 5 2 ’ Cc Sealed, per NOX ——--— = ee Ready Rub- California Prunes Garlots (et 1900 O.& ra en 6. 10 Ib. 5 00 Won russ Zoned, 10 Ib. boxes -- 15 eee Rests aoe 7 00 90-100 25 Ib. boxes --@09 Less than Carlots -- 22 00 Duffs, 24, 2% ‘Screw Cc. ¢ 50 Good Saas Lake Herring g eady Rub- 80-90 25 Ib. boxes --@10 ame ¢ is 2 G ¥% bbl., 100 Ibs. ------ 6 50 ind 16 oz. tins, dz. 14.50 70-80 25 It : 4 Feed a 6 eee te Ben Wace 2 UNAS CZs 50 70-80 25 Ib. boxes --@10% : Dove, 26, 21h Wh. 660 Common -.-~ . geworth Sliced Plug, 60-70 25 lb. boxes ~.@12 Street Car Feed Mackerel icone veet Car Feed .. 2600 Dove, 24, 24 Wh. b 6 36 Veal. 5 a ct on oe a Pius 1 50-60 25 Ib. boxes --@18 No. 1 Corn & Oat Fd 26 00 Dove, 12, 5 Ib. Blue L470 Top -------------------- 13 Tubs; 50 Ib. fancy fat 9 50 OSee an oe ie 55 rept 25 Ib. boxes --@15 Cracked Corn ------ 6 00 Dove, 6, 10 Ib. Blue L 4 45 Good ----------------— 12 Trout. tins, doz. .----- 3 65 30-40 25 Ib. boxes --@17 Coarse Corn Meal .- 26 00 Palmetto, 24, 2% Ib. 450 Medium ---------c-rcr= 10 Nog. 1, 100 Ibs. ------ 10 09 ¢ 38 SALT Med. No. 1, Bblis. ..-- 2 76 Med. No. 1, 100 lb. bg 90 Farmer Spec., 70 Ib. 92 Packers, 56 Ib. ------ 56 Blocks, 50 Ib. ------- 52 Butter Salt, 280 Ib bbl. 4 50 Baker Salt, 280 Ib. bbl 4 25 100, 3 Ib. Table ------ 6 30 60, 5 Ib. Table ------- 5 80 30, 10 Ib. Table ------ 5 55 28 lb. bags, butter -- 50 Per case, 24 2 Ibs. Five case lots SEEDS Anes 23 Caraway Canary, Smyrna Cardomon, Malabar 1 20 Celery --------------- 24 Hemp, Russian ------ 08% Mixed Bird ---------- 13% Mustard, yellow ----- 12 Poppy --------------- 18 Rape Durkee’s Bird, doz. -- 1 20 French’s Bird, per dz. 1 40 SHOE BLACKENING. | 2 in 1, Paste, doz. -- 1 35 BE. Z. Combination, dz. 1 35 Dri-Foot, doz. ------ 2 00 Bixbys, Doz. -------- 1 35 Shinola, doz. -------- 85 STOVE POLISH. Blackine, per doz. -- Black Silk Liquid, dz. Black Silk Paste, doz. Enamaline Paste, doz. Enamaline Liquid, dz. E Z Liquid, per doz. Radium, per doz. —--- Rising Sun, per doz. 654 Stove Enamel, dz. Vulcanol, No. 5, doz. Vulcanol, No. 10, doz. Stovoil, per doz. ---- SOAP. Am. Family, 100 Export, 120 box Flake White, 100 box Fels Naptha, 100 box Grdma White Na. 100s Kirk White Nap. 100s Rub Nv More White Naptha, 100 box -- Swift Classic, 100 box Swift Pride, 100 box 90 Mule Borax, 100 bx Wool, 100 box ------ y, 100 box ------ 5 60 Jap Rose, 100 box ---- 7 35 Palm Olive, 144 box 11 00 flava, 100 box 4 Pummo, 100 box 4 85 Sweetheart, 100 box - 5 70 Grandpa Tar, 50 sm. 40 Grand Pa Tar, 50 Lge 4 10 Fairbank Tar -------- 4 45 Trilby, 100, 12c_---- 8 50 Williams Barber Bar, 9s 50 Williams Mug, per doz. 48 Proctor & Gamble. 6 box lots, assorted Ivory, 100 6 oz. Ivory Soap Fiks., 100s Ivory Soap Fiks., 50s Lenox, 140 cakes ---- P. & G. White Naptha Star, 100 No. 11 cakes Star Nap. Pwdr., 100s Star Nap. Pwdr., 24s - Tradesman Brand. Black Hawk, one box 4 50 Black Hawk, five bxs 4 25 Black Hawk, ten bxs 4 00 Box contains 72 cakes. It is a most remarkable dirt and grease remover, with- out injury to the skin. WASHING POWDERS. Cot DOR ~ o box SUC eT SPD OVOTOT > o Cres orci oie oO) 3 on Bon Ami Pd, 3 dz. bx 3 75 Bon Ami Cake, 3 dz. 3 25 Climaline, 4 doz. ---- 4 20 Grandma, 100, 5c ---- 3 90 Grandma, 24 Large -- 4 00 Gold Dust, 100s ------ 00 Gold Dust, 20 Large -- 4 3 Golden Rod, 24 ------ 4 25 Zins, 3 doz. —._ 4 50 La france Laun, 4 dz. 3 70 Luster Box, 54 ------ 3 75 Miracle Cm, 4 oz. 3 dz. 4 00 Miracle C., 16 oz., 1 dz. 4 00 Old Dutch Clean. 4 dz. 4 75 Queen Ann, 60 oz. -- 2 40 Rinso, 100 oz. ~------- 6 40 Rub No More, 100, 10 ne Rub No More, 100, 14 . ee Rub No More, 18 Lg. 4%50 Spotless Cleanser, 48, 2 os: 4 00 Sani Flush, 1 doz. .. 3 35 Sapolio, 3 doz. ------- 8 15 Soapine, 100, 12 oz. — 6 40 Snowboy, 100, 10 oz. 3 90 Snowboy, 24 Large -- 5 60 Snowboy Large 1 “nr. Speedee, 3 doz. ------ Sunbrite, 72 doz. --.. 4 00 Wyandotte, 48 ------ 5 60 CLEANSERS. ITCHEN 80 can cases, $4.80 per case SPICES. Whole Spices. Allspice, Jamaica -. @12 Cloves, Zanzibar ---- @3 Cassia, Canton —~---- gi Cassia, 5c pkg., doz. @40 Ginger, African ---- @15 Ginger, Cochin ----_- @22 Mace, Penang ------ @70 Missed, Mo. 1 @22 Mixed, 5c pkes., doz. @45 Nutmegs, 70-80 ------ @4 Nutmegs, 105-110 --- @38 Pepper, Black -—----- @1 Pure Ground in Bulk Allspice, Jamaica ---- @17 Cloves, Zanzibar ~ @48 Cassia, Canton - @25 Ginger, African - @22 Miustara —....-.__---_— @28 Mace, Penang ------- @75 Numners —... @32 Pepper, Black ------- @20 Pepper, White ------ @32 Pepper, Cayenne ---- @32 Paprika, Spanish --- @ 42 Seasoning Chili Powder, lic --.- 1 35 Celery Salt, 3 oz. ---- 85 Sage, 2 oz --- 90 Onion Salt ---- 1 35 Garnie 1 35 Ponelty, 3% oz. ---- 3 25 Kitchen Bouquet ---- 3 25 Laurel Leaves ------ 20 Marjoram, 1 oz. ------ 90 Savory, 1 0%. —------- 90 Thyme, 1 of. —~—_-___- 90 Tumeric, 24% oz. ---- 90 STARCH Corn Kingsford, 40 Ibs. ---- 11% Powdered, bags ---- 03 Argo, 48 1 Ib. pkgs. -- 3 75 Cream, 48-1 4 Ouacer, 4 2. Gloss Argo, 48 1 Ib. pkgs... 3 75 Argo, 12 3 lb. pkgs. -- 2 74 Argo, 8 5 lb. pkgs. --- 3 10 Silver Gloss, 48 1s -- 114% Blastic, 64 pkgs. ---. 5 35 Meer, 48-1. =.= 85 Tiper, 50 ibs: ___...- 051% SYRUPS Corn Blue Karo, No. 1%, OZ. Blue Karo, No. 5, 1 dz 2 70 Blue Karo, No. 10, aS iGe, 50 Red Karo, No. 1%, 3 Mog, 2 23 Red Karo, No. 5, 1 dz 3 10 Red Karo, No. 10, % oz, 2 90 Maple Flavor. Karo, 1% lb., 2 doz. — 3 95 Karo, 5 Ib., 1 doz. ~~ 6 15 Maple and Cane Kanuck, per gal. ---- 1 50 Sugar Bird, 2% Ib., 2 602. 2. 10 00 Sugar Bird, 8 oz., 4 Bee. 2 12 00 Maple. Johnson Purity, Gal. 2 50 Johnson Purity, 4 goz., 18 oz... 18 50 Sugar Syrup. Domino, 40 10 Ib. cans 3 00 Domino, 6 5 Ib. cans 2 50 Bblis., bulk, per gal. 40 TABLE SAUCES. Lea & Perrin, large-. 6 60 Lea & Perrin, small_. 3 75 Pepper ---.----- 60 Royal Mint ---- Tobasco ..--------- -~ 3 16 LENZER MICHIGAN TRADESMAN Sho You, 9 oz., doz. 2 70 A-1, large --------- _- 5 75 A-1, small —--------- 60 Capers --------------- 1 80 TEA. Japan. Medium 82@35 Choice 37@43 Maney ...... 54@57 No. 1 Nibbs ~-------—- 5 1 db. pkg. Siftings --- 14 Gunpowder Choice —...--.--------— 8 Fancy —.-.--.----- 38@40 Ceylon Pekoe, medium ------ 33 Melrose, fancy ------ 56 English Breakfast Congou, Medium --~---- Congou, Choice ---- 35@36 Congou, Fancy ---- 42@43 Oolong Medium ..._.. 36 Chace 45 BRancy _.- 50 TWINE Cotton, 3 ply cone ---- 35 Cotton, 3 ply balls ---- 35 Wool, 6 ply ----------- 18 VINEGAR Cider, 40 Grain ------ 28 White Wine, 40 grain 17 White Wine, 80 grain 23 Oakland Vinegar & Pickle Co.’s Brands. Oakland Apple Cider -~ 30 Blue Ribbon Corn. ---- 2 Oakland White Pickling 20 Packages no charge. WICKING No. 0, per gross ---- 60 No. 1, per gross ---- 85 No. 2, per gross ---- 1 10 No. 3. per gross ---- 1 85 Peerless Rolls, per doz. 45 Rochester, No. 2, doz. 50 Rochester, No. 3, doz. 2 00 Rayo, per doz. ------ 90 WOODENWARE Baskets Bushels, narrow band, wire handles ------ 1 15 Bushels, narrow band, wood handles ----. 1 85 Bushels, wide band ~- 1 90 Marked, drop handle 7 Market, single handle 80 Market, extra ------ 1 35 Splint, large -------- 9 00 Splint, medium ------ 50 Splint, small -------- 7 00 Churns Barrel, 5 gal., each -. 2 40 Barrel, 10 gal., each... 2 55 3 to 6 gal., per gal. __ 16 Egg Cases No. 1, Star Carrier 5 00 No. 2, Star Carrier -. 10 00 No. 1, Star Egg Trays 4 50 No. 2, Star Egg Tray 9 00 Mop Sticks Trojan spring -------- 2 00 Eclipse patent spring 2 00 No. 2, pat. brush hold 2 00 ideal, No. 7 2... 1 90 9 Ib. Cot. Mop Heads 1 40 12 lb. Cot. Mop Heads 1 80 Palls 10 qt. Galvanized --.- 2 40 12 qt. Galvanized _-.- 2 60 14 qt. Galvanized -..- 3 00 12 qt. Flaring Gal. Ir. 6 75 10 qt. Tin Dairy ---- 5 00 12 at. Tin Dairy —--- > 50 Traps Mouse, wood, 4 holes -- 60 Mouse, wood, 6 holes -- 70 Mouse, tin. 5 holes ---. 65 Rat, wood -------- 1 00 Rat, spring ------ a Mouse, spring ------- Tubs Large Galvanized Medium Galvanized 7 00 Small Galvanized -- 6 50 Washboards Banner Globe -------- 5 75 Brass, Single -------- 6 75 Glass, Single --—--—-- 7 00 Double Peerless ----- 8 25 Single Peerless ------ 7 50 Northern Queen ---- 6 25 Universal ------------ 7 60 Window Cleaners 12) tn 1 65 da Ay eee 1 85 16 in, 2. 2 30 Wood Bowls 13 in. Butter -------- 5 00 15 in. Butter ---- 9 00 17 in. Butter —---_.- 18.00 19 in. Butter -~------- 25.00 WRAPPING PAPER Fibre, Manila, white 05% No. 1 Fibre -------.-- 07% Butchers Manila - 06 hratt ok... 09 YEAST CAKE Magic, 3 doz. ~------- 2 70 Sunlight, 3 doz. ------ 2 70 Sunlight, 1% doz. --- 1 35 Yeast Foam, 3 doz. -- 2 70 Yeast Foam, 1% doz. 1 35 YEAST—COMPRESSED Fleischman. per doz. -- 28 Written in Different Keys Might Transpose. Written for the Tradesman. People “Sometimes I almost think I don’t: understand my own daughter! It seems as if we talked different lan- guages—as if we lived in different worlds!” The mother who said this to me had been telling me how she and her sixteen-year-old daughter had been at cross-purposes for a long time. “She is so secretive,” the mother went on to say. “I don’t seem to be able to get at her real self at all. She is polite and obedient generally; but we don’t get on—any more than —than if she was written in B flat and I was written in F sharp.” “That’s an idea,’ I said. “I guess people aren’t all written in the same key.” : “But, mother and daughter!’ she cried. “My goodness, it isn’t possible! It isn’t natural! God wouldn’t—” “Oh, yes, God would. God does. I don’t know why, but it isn’t uncom- mon at all for mother and daughter to be ‘written in different keys’; mothers and daughters and husbands and wives.” “Ts it my fault?” she asked, piti- fully. “Well,” I said, “in real music, when it is desirable to have instruments play together, one of them—perhaps both—must be tuned to the same pitch. The composition in F sharp has to be transposed to harmonize with the one in B flat. You have to sing in the same key—if you want to sing together.” This mother is a musician, and I could see that the idea was very in- teresting to her. It isn’t altogether a question of be- ing written in different keys. People do live in different worlds. One is the outward, everyday, “practical” life around the house and at the office or factory, made up of the round of routine duties and relationships with family, business associates, customers and casual acquaintances. The other is the inner life, the real life, to which we flee from the “practical” life. It is the life we would live all the time, if the other life would let us—the life of leisure hours, of day dreams and “brown studies.” When you meet somebody in the street who is walking along oblivious of the surroundings, with eyes fixed on the distance and talking to himself, the chances are that he is far away in his secondary life, imagining himself the person he would like to be, saying the things he would like to say. Probably you would be very much surprised if you could compare the person you see with the person he is visualizing as his real self. I imagine that this mother and daughter live in very different worlds and that the mother never has man- aged to get in where her girl lives. It is exceedingly common for parents and children to live for twenty years under the same roof, going through the same routine of domestic exist- ence, keeping the peace in all outward seeming, yet in the worlds where their deep satisfactions lie a thousand miles apart. Friendship, I think, depends large- ly upon the degree in which two jn- January 4, 1922 dividuals touch and coincide in this secondary life. Two men will get along famously in their business re- lation, even as partners who see alike their “practical” problems; for many years they will pursue harmoniously their workaday affairs; yet in their real lives they do not touch at all. In the interests to which their inner selves are devoted “one is written in B flat, the other in F sharp.” Happy marriages are those in which husband and wife live to the largest possible extent together in their secondary lives. We all know mar- ried couples who “get along” peace- ably in the forms of domestic relation- ship; keep up a semblance of routine contentment; yet who in their essen- tial lives might as well be strangers. They have become a sort of habit with each other; they are too “well-bred” to quarrel; they keep along the habit- ual ways, profoundly bored with each other. Generally they do not realize what is the trouble. Each finds men- tal and spiritual satisfaction almost anywhere except in the one who ought to be satisfying. Some couples find relief from this situation by rushing off every evening, each in a separate direction, or per- haps they go together to some social gathering where they will not have to bore each other, or to the theater, where time will be entertainingly consumed in interest or excitement. Between the acts they sit in silence, buried in their own separate thoughts, or talk of “practical” things—any- thing but the things that mean the most to them. Sometimes this flight from reality is tragic—one or both finding their “secondary congeniality” in somebody else. It is this failure of husbands and wives to share their deepest interests, their secondary lives, that accounts for their being bored with each other. They have little or nothing in com- mon in the worlds where they really live. “One is written in B flat, the other in F sharp.” But— When musicians recognize difference in key, and the conditions require playing together, they take the trouble to transpose! And people can trans- pose, character—if they care enough to take the trouble. ’ Prudence Bradish. (Copyrighted, 1921.) —_»>2<.—_ If the farmer is not sharp as a raiser he can never succeed. even Chocolates Package Goods of Paramount Quality and Artistic Design wot mall "apc pets Shing ARR Cee. = x unell "Passaic January 4, 1922 MICHIGAN TRADESMAN 39 Proceedings of the Local Bankruptcy Court. Grand Rapids, Dec. 27—On this day were received the schedules, order of reference and adjudication in the matter of Willard Obenchain, Bankrupt No. 2031. The bankrupt is a laborer and a resident of Grand Rapids. The proceedings have been referred to Benn M. Corwin as ref- eree in bankruptey. The schedules of the bankrupt list assets- of $300, of which $250 are claimed as exempt, and liabili- ties in the sum of $624.79. From the fact that the assets of the bankrupt are largely claimed as exempt, or of doubt- ful value, the court has requested that funds be deposited as indemnity for the expense of the first meeting of creditors. When such funds are furnished the date for the first meeting of creditors will be given here. A list of the creditors of the bankrupt is as flolows, all located in Grand Rapids: Peter Upthegrove Pastoor Bros. - Ese 5.93 Collins Northern Ice Co. ---------- 4.95 Dr. John M. Wright -------------- 31.00 Dr. H. C. Wolfe —----------------- 53.00 Kampegne Co. —--------------- 22.08 Claude M. Ryan - A. B. O’Brien Hahn Grocery —-~------ Herpolsheimer Co. B. A. Spring Putterworth Hospital ------------ 11.00 Royal Tea Co. —------------—------ 6.00 C. A. Rockerfeller ~--------------- 30.00 I, J. Brownell —.-__--______--____- 125.00 On this day was held the first meeting of creditors in the matter of Stoddard Construction Co., Bankrupt No. 2026. The bankrupts were present in person and by Pp. A. Hartesvelt. Fred A. Geib and Homer Freeland were also present. The creditors failed to elect a trustee, and the referee appointed the Grand Rapids Trust Co. as such and placed the amount of its bond in the sum of $1,000. Mr. Stoddard was then sworn and examined without a reporter. The petition of the Grand Rapids Trust Company, as receiver of the Tower Motor Truck Co., to reclaim six motor truck leased to the bankrupts was considered and an order made al- lowing the reclamation of the same. The first meeting was then adjourned to Jan. 24. On this day also was held the first meeting of creditors in the matter_ of Willys Light Systems, Bankrupt No. 2015. The bankrupt was present by F. G. McRae, secretary and treasurer of the bankrupt corporation; Dilly, Souter & Dilly also appeared for the bankrupt. R. J. Cleland was present for ereditors. Several claims were proved against the estate. William Van Sluyters was elect- ed trustee and the amount of his bond fixed by the referee in the sum of $2,000. The claim of the DeLaval Separator Co. to reclaim a certain machine in the estate was considered and the same allowed. An order was made directing the trustee to surrender the same to the claimant. F. G. McRae was sworn and examined without a reporter. The meeting was then adjourned without date. Dec. 29. On this day was held the first meeting of creditors in the matter of William & Dwight Badgley. Bankrupt No, 2025. Ine bankrupts were present in person. H. Monroe Dunham was pres- ent for creditors. Various creditors were present in person. Claims were allowed against the estate. Henry B. Darnell was chosen_ trustee and the amount of his bond fixed by the referee at $580. Appraisers were appointed. The meeting was then adjourned without date. Dec. 30. On this date was held the special meeting of creditors in the mat- ter of Earl G. Nash, Bankrupt No. 1998. Smedley, Linsey & Shivel, Dilly, Souter & Dilly, and William Gillett, trustee, were present. Claims were allowed against the estate. The schedules of the bank- rupt were amended by the addition. of two creditors. . The meeting was called particularly to consider the compromise between the trustee of this estate in bankruptey and the administrator of the estate of Harmon Nash, deceased, The creditors by unanimous vote accepted the compromise. Filed first dividend sheets of 5 per cent. An order was made for the payment of administration ex- penses and the payment of the first divi- dend. The special meeting was then adjourned without date. Dec. 30. On this day also was held the special meeting of ereditors in the mat- ter of Sigler Player Action Co., Bankrupt No. 1985. Travis, Merrick, Warner & Johnson, George S. Norcross, Wicks, Fuller & Starr and Hilding & Hilding were present. Evidence was in- troduced as to the payment of premiums on the several policies under question and as to the ownership of the same. An order was made- that the Michigan Trust Company surrender the several policies to the trustee as the property of the bankrupt estate. The ereditors, by unanimous vote, elected to compro- mise the claim of this estate at the sum of $8,000. Claims were then allowed. The meeting was then adjourned to Jan. 3. Jan. 3. On this day was held the first meeting of creditors in the matter of Ray L. Driscoll, Bankrupt. No. 2028. The bankrupt was present in_ person and by attorney Clare J. Hall. No claims were proved. No trustee was elected for the present. There appears to be no assets in this estate, except perhaps an in- terest of this estate in the surrender value of a certain life insurance policy. If such interest is found to exist, a trus- tee will be appointed, otherwise the estate will be closed and returned. On this day also was held the first meeting of creditors in the matter of Carl Zarbock, Bankrupt No. 2023. The bankrupt was present in person and by attorney, Willis B. Perkins Jr. No cred- itors were present. No claims were proved. The bankrupt was sworn and examined by the referee without a re- porter. There being no assets in this case, the same will be closed and re- turned to the district court. The meet- ing was then adjourned without date. On this day also was held the first meeting of creditors in the matter of Fred D. Bellis, Bankrupt No. 2030. The bankrupt was present in person and by attorney, John McKenna. One creditor present in person. One claim proved. The bankrupt was sworn and examined by the referee without a revorter. Cc. C. Wool- ridge was appointed trustee and the amount of his bond fixed by the referee in the sum of $100. The exemptions of the bankrupt were reported upon. The meeting was then adjourned no date. —_22>—_— Items From the Cloverland of Michi- gan. Sault Ste. Marie, Jan. 3—This is the time to make your New Year’s reso- lutions, but we have only received a few as yet—possibly delayed in transit due to the delayed mails. F. J. Allison has resolved to smoke only Camels; also to repair his cut- out on his auto. Charles Haas, the Uneeda biscuit salesman, resolved to cut out a few meals each day until he gets back to 250 pounds. J. Huiptli, the meat salesman, re- solved to beat his last year’s record and average thirty miles on foot in- stead. of twenty-five miles, his last year’s record. Earl Cameron, another meater, re- solved to drive his horse again in preference to that new auto. Al Jacobs, the grocery salesman, resolved not to exceed sixty miles per hour en route to DeTour next sum- mer. Jack Merrifield, the cigar man, has resolved to boost home manufactured cigars only. Ted Steffens, the grocery salesman, resolved to change his old ford for a new Studebaker. S. D. Newton has resolved to use moonshine in his radiator only. Al Sparling, the salesman, is work- ing for a cleaner town and showing a new line of soap samples in that new case. The many friends of William Rob are pleased to see that he has re- turned to the Soo, after several years in the West. He is now satished that the old home town looks better to him than ever. He has accepted a posi- tion as manager for the Eddy food emporum and will be pleased to re- new old friends and make many new ones. Dan Hins, formerly in the cigar business on Portage avenue, has pur- chased the tobacco store of H. Kleine, on Ashmun street. Mr. Kleine ex- pects to engage in another line. The heavy snow storm on New Year practically put an end to auto- mobiling here and many cars expect- ing to make New Year calls are parked in drifts ready for real horse power. Mike Hotten, of Shelldrake. is spending the holidays with relatives here. Mike is well known, having been in the meat business here for the past thirty years until two years ago, when he moved to Shelldrake to take charge of the general store for the Bartlett Lumber Co. He also operates the only moving’ picture show in the town, Business might have been worse last year. W. H. Snell, our newly-appointed postmaster starts in on his new duties Jan. 1 and will give us the best there is in him. James Thornton, one of our new grocers, had a sad ending the last of the year just before taking inventory. The burglars entered and largely re- duced the stock. Home brew might improve with age if all the good didn’t die young. William G. Tapert. ’ Copper Journal, Hancock, Mich. BUSINESS WANTS DEPARTMENT Advertisements Inserted under this head for five cents a word the first Insertion and four cents a word for each subsequent centinuous Insertion. If set in capital letters, double price. No charge less than 50 cents. Small display advertisements in this department, $3 per inch. Payment with order Is required, as amounts are too small to open accounts. Wanted—To hear from owner of good Wanted—To hear of good business for general merchandise store for sale. State ce ra ac de ‘ & : price, description. D. F. Bush, Minne- a 500 Kasota Bldg., mnmeneeo apolis, Minn. 603 crt eee WANTED to buy—Stock of general merchandise, clothing or shoes. R. D. $325 monthly. Lease Bargain—Twice 99 years, cor- nering Kerns Hotel, Lansing, 4x20 rods, Railway siding rear. Par- Walker, Lancaster, Wisconsin. 604 ticulars, William Bradford Arnold, Lan- : sing, Mich. 581 Forced Out of Business—Must sell at Tec ge ee once, grocery stock and fixtures. Stock For Sale—An old established grocery, will invoice about $1,400. Inquire S. F. Fenner, 1337 Cameron St., Kalamazoo, ae ay Cues ae 605 munities in Michigan. meat market and fixtures, doing a cash business in one of the best farming com- Address No. 600, Mich. haa Oe eare Michigan Tradesman. 600 + + ‘ z : Tea ete a ees ney : Pr ee a “an eo —— et For Sale—Stock of groceries and fix- ich. Living rooms above. Excellent tures, also delivery car, Michigan city of location. Address C. W. Jones, Midland, Mich. 606 “WELL EQUIPPED Restaurant For Sale—$4,000. Other Business. 1608 Ged- des Ave., Ann Arbor, Mich. 607 12,000. Tradesman. Hancock, Detroit. Want to hear from a party owning a good general merchandise business or other business for sale. State cash price and particulars. John J. Black, 130 St., Chippewa Falls, Wis. 608 I have good improved 320-acre farm I Address No. 601, care Michigan 601 Pay spot cash for clothing and furnish- ing goods stocks. L. Silberman, 274 a For Sale-—$10,000 bankrupt stock and fix- tures, known as the Bressin Pharmacy, Allegan. This is an opportunity to secure a high-class drug business in the best store building in the best location in the best town in Michigan. The store did business last year of $25,000. The highest bidder gets it. The stock will be sold at a want to trade for general store. Joseph $ reps + 1 Ne i a very liberal discount. EB. T. Van Os- Boxell, Perham, Minnesota. Line trand, Trustee for the Referee in Bank- Want To Buy—Store _ building, small ruptey, Allegan, Michigan. 602 town. William Sweet, Bendon, “ For sale—General Store located at Findley, Michigan. Address Mann Bros., Burr Oak, Mich. 590 REBUILT For Sale—First-class grocery stock and CASH REGISTER CO,, Inc. fixtures, fine location. Anna Hurst, 1508 Dealers in Francis St., Jackson, Mich. 593 Cash Registers, Computing Scales, Adding Machines, ‘Typewriters And Other Store and Office Specialties. 122 N. Washington, SAGINAW, Mich. Repairs and Supplies for all makes. ing stock, for spot cash. ville, Mich. Wanted to Buy—Clothing and furnish- Name lowest price. United Buyers Association, bag a For Sale—Cash registers and store fix- Bell Phone 596 tures. Dickry Dick, Muskegon, eae 52 SPECIAL SALE EXPERTS Expert Advertising Expert Merchandising 209-210-211 Murray Bldg. GRAND RAPIDS, Will pay cash for whole stores or part stocks of merchandise. Louis Levinsohn, Saginaw, Mich. 998 If you are thinking of going into busi- ness, selling out, or making an exchange, Citz. Phone 61366 JOHN L. LYNCH SALES co. MICHIGAN place an advertisement in our business chances columns, as it will bring you in touch with the man for whom you are For Sale—To settle an _ estate, I offer for sale the only grain elevator, lumber looking—THE BUSINESS MAN. and coal yard, with a small stock of 1000 letterheads or envelopes a Salesmen—Profitable side line. Carry samples in pocket. Address Copper Jour- nal, Hancock, Mich. 574 lumber, good closed sheds office equip- ment, ete., located on leased ground the Michigan Central railroad, at Onan- daga, Michigan. Good farming commun- ity and ten miles to any other market. Address Neil Spring, Onondaga, Mich. 5 of How About Taking Inventory? This is the time of the year all good merchants should prepare to take their annual inventory. You will need inventory blanks to facilitate and expedite this work. We are prepared to furnish inventory blanks as follows: 100—814 x 11, good stock ~------------------- $1.75 500—8!4 x 11, good stock ~---~------------~-- 3.75 1000—814 x 11, good stock ~------------------- 5.50 Send your orders in NOW. TRADESMAN COMPANY Corner Ionia and Louis GRAND RAPIDS, MICH. 40 MICHIGAN TRADESMAN January 4, 1922 Boomlets From Busy Boyne City. Boyne City, Jan. 3—The dinner of the (— —_—) club at the Wol- verine Hotel last week Thursday was a very interesting occasion. Aside from the musical (?) efforts of some of our prominent citizens, Chairman Borden received the reports of the committee on constitution and by- laws. W. A. H———>p gave his re- port, which consisted of a very large comprehensive all pervading silence; in other words, this committee hasn’t done anything. Report was accepted and committee discharged. J. Harris gave a report on constitution and by-laws. His report was good and was accepted, but we don’t be- lieve the other members of the com- mittee ever saw it. A wonderful spirit of co-operation between the two com- mittees. As Hugh J. Gray, of the Tourist Re- sourt Association, was present, all other business—except the eats, which were a poem in themselves—was set aside to listen while he gave a very interesting talk on the object and accomplishment of that organization. He laid stress on the point that the Association’s function was to make known to the people outside of the State the attractions of all the resort territory; that their function was to bring people ino the State and not to advertise any particular place. Among others he stressed the necessity of strict attention to the sanitary condi- tions in regard to water, sewerage and garbage disposal, as the State Health Board was making surveys and send- ing out reports with a special view to protecting the summer visitors from infection of any kind. His talk and the ensuing questions and discussion occupied the better part of an hour, after which the by-laws were laid on the table, along with the cigar ashes, and the meeting broke up with excru- ciating wails to the tune of “There’s a long, long trail.” We had a good time. We got an earful of good in- formation. We had a good dinner, but we are sure that Marie will raise the price, if some of the fellows don’t eat something between meetings. Charles’ T. Sherman, General Freight Agent of the Boyne City, Gaylord & Alpena, gave a most in- teresting and instructive talk to the members of the Chamber of Com- merce last Friday evening. He went into all the phases of the I. C. C. con- trol of railroads, the system of rate construction and illustrated with maps and documents the points of his talk. It certainly was an eye opener for those who heard him and he did not need any trick oratory to hold the in- terest of his hearers. If such informa- tion were more generally distributed in such convincing fashion there would be a quick stop put to the great American game of damning the rail- roads. But, of course, very few of the carriers have such men to spread the news. We have one man in Boyne City, at least, who thinks something of his word. He had an appointment in East Jordan last Sudnay evening to speak on prohibition enforcement. In the summer time East Jordan is only thirty minutes away over a most en- jovable road, but at this. time is any- thing but a pleasure trip, especiallv with a real-honest-to-goodness bliz- zard in progress. He went just the same. We refer to the Reverend G. H. Simpson, of the Evangelical church and we have a bunch of reverends in this town cut out of the same cloth. Old Boreas gave us a good shaking up Saturday and Sunday. Saturday was some day. It began with a little rain and the morning was as balmy as an April day, but it caught a severe cold and by night all the icy devils of Medicine Hat were tearing through our streets like mad. All trains from the South were delayed from six to ten hours, but the “streak of rust” that comes over the top of Michigan through the worst snow country in the Southern Peninsula kept things moving clear through to Alpena, as 1s its custom, The B. C.. G. & A. crews may be “hicks”, but they get there— and back. We used to hear a good deal about the factory whistles which disturbed our morning slumbers and haled: us from our noonday siestas, but we feel sure that there are a great many who will respond when, again the boom and squall tears us from the arms of morpheus with alacrity if not with eagerness and we won't enquire with a supercilious air, “How much do you pay?” and “What are your hours?” A steady and regular pay envelope looks pretty good now, even if it is not stuffed to bursting. Maxy. —_222s——_ No Advantage In Stocking Up Heav- ily. A $2,500,000 failure the latter part of last week affected the wheat mar- ket adversely. Quite a sharp reaction has resulted, which only goes to show how sensitive the grain markets are to any influence favoring declines. Wheat has been in a strong position statistically since the first of July, 1921 and under ordinary conditions would have advanced, undoubtedly. On the 8th of July, December wheat closed at $1.24%4-%4; on the 31st of Decem- ber, it closed at $1.07%4, showing a decline of approximately 17c_ per bushel in the face of a strong mar- ket statistically. Many prominent grain people are predicting a somewhat higher price between now and the first of April, while others are looking for further declines, claiming wheat is still high compared to the price of corn and oats, which probably is true. On the other hand, we must not overlook the fact that we produced this last year one of the largest crops of corn we ever raised, and the value of cattle and hogs is, also, at a low point, and as corn in this country is more of a stock food than a human diet, it oc- cupies more of an unfavorable posi- tion in this respect than wheat, of which we had a short crop, under the five year average, with a good foreign demand, we having exported approxi- mately 200,000,000 bushels. Of course, it is possible to go on and quote statistics by the column to prove this, that and the other thing regarding markets and it can be proven on paper ‘that wheat is selling at too low a figure by such methods; nevertheless, it is going to require further improvement in business con- ditions and a continuance of a fair export trade to bring about any ma- terial advance in the price of wheat and flour. We can see no reason for changing our attitude, which is, and has been for the past six months, to buy. to cover requirements for not more than thirty days ahead. The trade should carry ample stocks to properly meet the demand, but we fail to see where any particular advantage would be gained by stocking up heavily. Lloyd E. Smith. —_7.2 Shoe Dealers To Be Transferred To Lansing. At the meeting of the stockholders of the Shoe Dealers Mutual Fire In- surance Co., held at Lansing last week, the action of the directors in recommending that the headquarters of the company be changed from Fre- mont to Lansing -was ratified by a Jarge affirmative vote. Dastardly Attempt Reacts on the Dastard. Lansing, Jan. 3—I am in receipt of a circular, dated Dec. 15, which I infer has been also sent to the lead- ing dry goods merchants of this State. The letter is written by the Secretary of the Michigan Association of In- surance Agents and is, in effect, a direct attack upon the Grand Rapids Retail Merchants’ Mutual Fire In- surance Company, a company organ- ized and supported by the dry goods merchants of the State and a valuable adjunct to our Association. It will, of course, be apparent to every dry goods dealer that this iS an attack made by the insurance agents upon our insurance company, in order that it may be discredited and they may get our business. The at- tack is so barefaced and the argu- ments so unfair and illogical that we do not believe it can do us any harm. Nevertheless we wish to brand it for what it is—an insidious attack upon the dry goods interests of the State in one of their important co-operative activities. The attempt of the insurance agents to make it seem that our insurance company is carrying too large risks is wholly unfair and, in its intent, dishonest. Our company does not carry to exceed the very conserva- tive amount of $3,000 on any single risk. assumes is transferred to other re- putable insurance companies through reinsurance treaties which amply pro- tect both our insurance company and the merchant insured. Therefore, the statement or the insinuation that our company is carrying either $40,000 or $104,000 on a single risk is stooping to methods which we do not consider as reputable. The letter of the insurance agents also insinuated that the dry goods merchants, in conducting their own insurance company, are pursuing a socialistic policy comparable to the maintenance of a co-operative store, and the local agents would, on this account, ask the merchants to tamely lie down and pay to them the ex- orbitant premium rate which they are exacting. It is a well known fact the stock in- surance companies are operating un- der an expense exceeding 40 per cent. of the premiums collected. Any busi- ness with a 40% expense is wrong and cannot stand up under competition. The stock insurance companies are not standing up under it, but are los- ing their business to our mutual com- pany and other high grade mutual companies. If you, as a dry goods merchant, had a 40 per cent. expense attached to your business and had to mark up your goods to cover it, would you not feel that you had opened the door for a justifiable at- tack by competitor or by co-operative stores? If we had any such expense ratio, we could not expect to stand up against competition, and they are squealing because we refuse to pay their exorbitant rates. The claim made by the insurance agents that mutual insurance is so- cialistic is shallow and unjustifiable. There were mutual insurance com- panies before there were stock com- panies; in fact, it was the first form of insurance and has thriven for over 100 years in this country. Further- more, insurance is in its nature a form of co-operation. Every insurance company is simply a tax gatherer which collects small amounts from the many and uses them to relieve the calamities of the few. It is, therefore, and must be co-operative in its es- sence. The retail merchants are con- ducting this co-operation for them- selves safely, satisfactorily and eco- nomically. We have a fine, growing company, which is not only saving us 30 per cent., but is increasing in finan- cial strength at the same time. While the attack made upon us by the Association of Insurance Agents is a selfish and unwarranted one, yet Any further amount that it - we thank them for the opportunity of laying before the merchants of Mich- igan the sound principles underlying our mutual insurance and the neces- sity therefor. W. Knapp, President. > Types of French Hats. A number of interesting style ten- dencies in French hats have been reported from Paris to the Retail Mil- linery Association of America by Renwick de Roget, editor-in-chief of the association’s official organ. These are some of them: “Maria Guy offers a close-fitting boatline effect for small hats. Re- boux tailors her sailors in black lisere and white grosgrain. Lucie Hamar, too, sanctions black and white crea- tions. Talbot repeats deep jade and black. “It is to be a season of colors. Small and colorful pasted birds are wreathed thickly about the headsizes of large models for ‘dressy’ wear. Flowers are demanded for the first time in weeks. Feather work dupli- cating natural blooms is seen. Nacre treatments are highly esteemed. “Marguerite et Leonie are sole ex- ponents of original fuchsia blending. ‘Chanko,’ a silk straw, is being used by Lucie Hamar. Germain Fauquet has introduced a hair cloth showing half-inch spangles of gelatine in its weaving. Firecrackers of galilith make up the most novel and prac- tical flange trim at Maria Guy’s. An- toinette, too, promises the wide use of haircloth for all types and ages of women. Timbo and Milan straws in high colors occupy Louise Marsy’s time. Roses and chrysanthemums lead in the demand for floral trim- mings.” ——_2-->——— More Bad Check Artists Abroad. Lansing, Jan. 3—A Syrian, calling himself Albert Manson, has passed two worthless checks on Lansing merchants during the past week— one for $200 and one for $150. The check for $150 was signed by John L. Hadad, another Syrian, residing at 426 Charlotte avenue, Detroit, and the one for $200 was signed by Tom Joseph, presumably of Detroit. Both of these checks were drawn on the First State Bank of Detroit. Mr. Manson was rather slender, about five feet, ten inches in height; smooth shaven; Syrian complexion; sharply defined features; dark hair; wears brown overcoat and black fedora hat. Very well dressed—wore silk shirt. Abcut 25 or 30 years of age. Another worthless check has been passed in Lansing, drawn by Francis J. Black, Treasurer, on the Lincoln State Bank of Chicago, payable to R. Schoen, who claims to be a reform- ed Jewish missionary working in res- cue missions. He is known to have conducted such ‘missions in three or four different places in the State. He has conducted a mission at Flint, one at London, Ontario, and also one at Pontiac. This check was drawn for $75. He is a man about five feet, four inches in height, rather stocky. His hair is a silvery gray and he wears heavy tortoise nose glasses. His features are quite strongly Jewish. If any of our members are visited by any of these people, we wish you would notify this office immediately. Jason E. Hammond, Mgr. Mich. Retail Dry Goods Ass’n. —_++2—————_ “Don’t expect to get a mad rush of buyers after the first advertisement —you didn’t get rich immediately af- ter you deposited your first dollar in the bank. SAAS ORE i ik EET 4 ; + ; ls Grand Rapids "A good place to live” What Your City Has Done A Growth in 20 Years to Make You Proud. Facts and F igures Tell the Story. Admitting that facts and figures are dry, won't you be patient and read these few paragraphs. These Figure Facts Touch Us All Directly You may not-think that these figures mean anything in your own particular life. They really do, though. All that relates to the development, growth and prosperity of the town we live in touches us directly. Grand Rapids is our city, that of our children, and . is or may be that of their children. Its interests are, or should be, our interests. A 50,000 Gain in Population Take our population. In 1900 it was only 87,565. In 1920 official figures gave us 137,634, fifty thousand and more people in twenty years. A steady, healthy growth, without any kind of a “boom” or artificial stimulation. Speaks well for the town, any way you take it. Nearly $7,000,000 Gain in Home Ownership in 20 Years In 1920 the total assets of the Building and Loan Associations were $864,618. By last year these figures had mounted up to the huge total of $7,794,493. There’s a growth that means something to the present generation. It indicates how much we have saved and put into home building and home buying—and put us second in home ownership in. the United States. You who own your own homes helped swell those figures. You are gainers through doing so. The more homes there are and the bigger and better the town, the more your property is worth. Big Gain in Banking Figures Shows Our Growth The surplus of the Banks and Trust Companies has grown since 1900 -from $3,514,000 to $7,736,500; bank loans and discounts from ten to thirty-six millions; and bank deposits from thirteen to over fifty three millions of dollars; and bank clearings from $62,712,673 , to $352,898,673. f GRAND These bank figures mean more to every one of us than we think. If they were to drop back, now, to the figures of 1900, the bottom would drop out of the town. Then where would we all be? But Grand Rapids is going. It is prospering. Many of us finger some of this wealth. If you don’t, be glad that the other fellow does. It means that you are living in a solid town. That’s something, isn’t it? : Our Tax Rate Lowest of Leading State Cities The 1919 tax rate figures give us a lot the best of it. Our rate _ per $1,000 assessed valuation is $22.88. The rate in Detroit is $24.01; ‘Battle Creek, $25.00; Mount Clemens, $25.33; Ann Arbor, $26.34; Flint, $28.00; Traverse City, $28.06; Port Huron, $28.84; Jackson, $28.90; Owosso, $31.62; Manistee, $31.84; Saginaw, $33.85; Muskegon Heights, $37.00; Pontiac $38.69; Bay City, 41.46; Lansing, $43.88; Iron Mountain, $47.51. If you are a property owner, you can get some comfort out of these figures. Ours is the lowest tax rate of the major cities in the state. Splendid Highways and Transportation Facilities Grand Rapids is. served by eight state trunk highways, the trans- portation value of which is rapidly increasing. We are served by five steam and two electric railway systems which radiate into the city from fifteen different directions. Officially Declared Healthiest City in America The Federal Bureau of Health states that Grand Rapids is the healthiest industrial center in the United States, if not in the world, with the lowest death rate of any large city east of the Mississippi. Figures Prove City Improving All The Time Are not these sound, substantial reasons for our civic pride. : Don’t these figures show prosperity and growth to an extraordinary degree; don’t they tell you that business is good and getting better all the time in Grand Rapids. Are they not an indication that you either were born in a city with a glorious past and a magnificent future, or that you were fortunate enough to pick out a city to work and live in that is better than you knew? Think this over. We are sure that you can come to but one conclusion, which is this: RAPIDS. “A Good Place to Live” Third of a series of articles to be prepared and promulgated by the ADVERTISING-CLUB OF-GRAND RAPIDS | ‘Copy by George R. Cullen—Walter J. Peterson Co. dividends a year ——To retail merchants ~ a book that tells you what YOU can make on fruit. “In oranges and lemons the minimum turnover is one turnover each week. No merchant should ever carry these fruits for more than seven days. By doing this he will side-step...... 8 This is part of a paragraph show- the clear, simple way in which the important problem of turnover and many others are discussed in the new book for retailers published by the California Fruit Growers Exchange. The book is “‘chuck full’ and brimming over with ideas and in- formation which will help you handle fruit more profitably. It discusses such things as correct margins, price, window trimming, dealer service helps, advertising, and growing and. packing of oranges and lemons. Every word in the book is worth a careful reading both by you and by your assistants. Then you'll want to keep it for reference. It’s one of the most valuable books we know of for. retailers. - Se. @ There’s a copy for you if you don’t wait too long. It’s FREE. Sign and send in the attached coupon NOW. There may not be enough books for everybody who wants one. California Fruit Growers Exchange Los Angeles, California California Fruit Growers Exchange, Deal.c Service Department, Los Angeles, California. ‘ Send me a copy of your free book, “52 Divi- dends a Year to Retail Merchants.” Name Address ice ee ee a State i2252 22053, tes.