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Relations Strained.
Two microbes sat on a pantry shelf
And watched with expression pained.
The milkman’s stunts and both said at
once
“Our relations are getting strained.’’
him.
me
November 4, 1925
MICHIGAN TRADESMAN
5
Essential Features of the Grocery
Staples.
Sugar—The market is unchanged
from a week ago. Local jobbers hold
granulated at 5.80c.
Tea—The market has had a very
firm week and almost every day. the
demand has been heavy. The news
has continually come from primary
markets of particularly Ceylon and
India teas, telling of sharp advances
there. Javas are also higher. These
three teas are leaders in the market
at present, but Japans and Chinas are
also showing a strong undertone and
some demand.
Coffee—Coffees are firm and show
an advancing tendency. There are
many grades of mild coffees, notably
Maracaibos, Laguayras, Columbias and
Mochas, which show advances of from
Y%@l%c per pound. With the news
of higher prices from Brazil, there has
been advances in all grades of Rio
and Santos. These coffees, however,
have not advanced as much as milds.
The advances are entirely due to con-
ditions in Brazil. The jobbing mar-
ket for roasted coffee is firm, with
spotty advances for the week. Late in
the week above conditions changed
somewhat and the Brazil market eased
off about 4c.
Canned Fruits—Fruits are firm ex-
cept for pears. Few apricots can be
had from any canner, especially in
the top grades. Low grade gallon
peaches are moving upward and are
disappearing on the Coast. Apples are
irregular in the East and in the West
as canners have been trying to seek a
level to stimulate buying.
Canned Vegetables — Confidential
prices are often made on various vege-
table where a canner has no suitable
storage accommodations or is forced
to sell a portion of his supplies to
finance the balance. This places him
at a disadvantage in dealing with a
buyer who is apparently not keen on
stocking up even at values which are
undoubtedly low. It is a buyers’ mar-
ket in a number of items and the weak-
ness resulting is felt in other branches
of canned foods. Then, too, distribu-
tors have their maximum holdings in
hand or under contract and are not
forced to seek additional supplies.
Lack of any comprehensive demand
for replacement is keenly felt. No
radical changes have occurred in peas,
corn, tomatoes, string beans or other
vegetables. Fancy corn and peas are
firm although in fancy golden bantam
inside prices are being made by Mid-
dle Western canners. That variety
is weak while Crosby is firm. Under-
grade peas are going at a wide range
which is true of standard tomatoes.
Some Southern 2s tomatoes can be
had at 70c factory while others are
confirmed at 77c.
Canned Fish—Spot Alaska salmon
is steady at quotations. Buying for
replacement is limited. Strictly fancy
Columbia River salmon is cleaning up
at the source. Other fish packs are
quiet.
Canned Milk—Concentrated milk
ruled steady all week without price
fluctuation.
Dried Fruits—Dried fruits were
more active in the jobbing field at the
opening of the week than at the close.
An accumulation of buying orders ap-
peared, and when these were taken
care of there was a modified movement
of all staples. Cooler weather and
early snows are favorable for the dried
fruit market, as they tend to speed
distribution. When country roads are
hard to negotiate dried fruits become
more interesting to the consumer.
Raisins made several “4c and %c ad-
vances during the week in bulk and
package. Muscats and Thompsons
are firmer. Packers find few offerings
from independent growers, and as
some are already short there is keen
competition at primary points. The
spot market feels this strength and
is firmer in all grades. Prunes are
still quiet. The market at the source
is stationary, as there is not enough
business coming through from job-
bing centers to warrant an advance
but packers predict a higher market.
Spot distribution is better, but old crop
can still be had at irregular quotations
and sometimes under the range quot-
ed. Further withdrawals of peaches
have occurred, leaving only one or
two grades of fancy yellows and Muirs
left in packers’ hands. The scarcity
is causing resales. Apricots are also
firm in California. The local move-
ment is light, as retail channels have
not digested stocks previously pur-
chased.
Salt Fish—The demand for mackerel
during the past week has been small,
of a routine character. There is not
very much fat fish about the market,
and buyers-are waiting for that grade.
Imported mackerel of the No. 1 and
No. 2 sizes are still scarce. Here and
there you can get concessions in mack-
erel, owing to the prevailing quality
and light demand.
Cheese—This market continues firm.
There is no pressure to sell. The mar-
ket is healthy and strong throughout.
Provisions—The provision market
has ruled steady during the past week,
without any change in anything in the
line of beef or hog products.
—_»-2->—_—__
Review of the Produce Market.
Apples — Baldwin, 75c@85c; Tal-
man Sweets, 90c; Spys and Kings,
$1@1.50; Jonathans and MclIntosh,
$1.50.
Bagas—$2 per 100 Ibs.
Bananas—7@7'4c per Ib.
Beans—Michigan jobbers are quot-
ing new crop as follows:
CH. Pea Beans -. 6 0s $ 5.15
Eight Red: Kidney =... 10.25
Dark Red Kidney 2-20 9.25
Brown Swede 2226) 255 7.50
Butter—The market has shown con-
siderable weakness during the past
week, but at the present writing fine
creamery butter is unchanged from a
week ago. There has been general
pressure to sell and quite fair receipts.
Buyers seem to expect lower prices,
as they are comparatively indifferent
to the market at the declines. Local
jobbers hold June packed creamery at
47c, fresh creamery at 49c and prints
at 50c. They pay 25c for packing
stock,
Cabbage—85c per bu.
California Fruits—Honey Dew Mel-
ons, $3.50 per crate of 8s. Climax
Plums, $2.50 per 6 basket crate; Santa
Rosa Plums, $2.50 per 6 basket crate;
Pears, $4.50 per crate.
Carrots—90c per bu.
Cauliflower—$2 per doz. heads.
Celery—25c for Jumbo, 40c for Ex-
tra Jumbo and 50c for Mammoth.
Frosts and unfavorable weather have
seriously injured the crop.
Cranberries—Late Howes are
in market, commanding $7.50 per 50
Ib. box.
Eggs—Fine
now
eggs continue
scarce and in spite of the high prices
fresh
are taken in as fast as they arrive.
There has been an advance of 2c per
doz. during the week Storage eggs
are wanted to some extent. The prices
of these are steady and show little
or no change since the last report. Lo-
cal jobbers pay 45c for strictly fresh,
selling as follows:
Presa Candied ....0 0 48c
OC 40c
ee 36c
Chéeews 33c
Egg Plant—$1.25 per doz.
Garlic—35c per string for Italian.
Grapes—California Emperors, $2.50
per crate.
Honey—25c
strained.
Lemons—Quotations are now as fol-
lows:
for comb. 25c for
S00 Sunkist) 2. $11.00
960 Red Bale 2200 10.00
S00 Red Ball 2) oe 10.00
Lettuce—In good demand on the
following basis:
California Iceberg, 4s and 4%4s $4.50
Elo horse leat = 320 20c
Onions—Spanish, $2 per crate of
50s or 72s; Michigan, $2.75 per 100 Ib.
sack.
Oranges—Fancy Sunkist Valencias
are now on the following basis:
L2G) ee $11.00
0) 11.00
176 ee 11.00
200) 11.00
ZA oe a 11.00
252 ee 11.00
2a) 10.75
Oe 9.75
Red Ball $1 lower.
Parsley—90c per doz. bunches for
jumbo.
Pears—Anjou, $2.25 per bu.; Kiefers.
$1 per bu.
Peppers—Green, $1 per bu.
Potatoes—Buyers are paying $2@
2.25 per bu. From present indications
the market will go to $4 per bu. before
the winter is over.
Poultry—Wilson & Company pay as
follows this week:
Freavy fowls = =)-) Zlc
Lient fowls 222.000 13c
Springers, 5 tbs. and up ---__.-- 19¢
Brovers, 134 Ib. to 2 Ib. --___-__ 18c
Squash—Hubbard, $2@2.25 per 100
Ib.
Sweet Potatoes—Virginia
$2.25 per hamper; $6 per bbl.
Tomatoes—California, $1 per 6 Ib.
basket.
Veal Calves—Wilson & Co. pay as
follows:
Sweets,
ee 15c
Good 2 13%4c
Weduin 0 llc
Woof 9c
Don’t Be Short or Long on Flour.
Written for the Tradesman.
Continued reports of a large amount
of wheat still unthreshed in Canada on
unfavorable weather and
lowered of the amount of
wheat Russia has produced and will
be able to export, coupled with not
any too free marketing by producers,
are factors that have been responsible
for the recent advances and present
firm price position of wheat.
The comparativey high price of
corn and very high price of potatoes
are also influencing wheat prices. In
fact, the generally high price of other
food products will continue to be a
factor in the price of wheat and flom
for some time to come.
The lessened European demand for
American wheat on account of excel-
lent crops on that continent and the
present comparatively high price of
wheat and flour are factors that must
be given serious consideration in de-
termining the future value
and flour and the advisability of pur-
chasing in comparatively large quan-
tities.
The wheat producer, in this section
account of
estimates
of wheat
particularly, has been loath to accept
less than $1.50 a bushel for his wheat,
while we understand in other sections
grain has been marketed more freely.
this, together with the fact the United
States crop of wheat is actually nearly
200,000,000 bushels short of a year ago,
coupled with the protective tariff of
around 40c a bushel on foreign wheat,
is making it comparatively easy for
the United States producer to obtain
a good price for his wheat.
There seems to be considerable dif-
ference of opinion among large hand-
lers of grain and market experts con-
cerning future prices. Many are pre-
dicting the large world’s crop will
certainly affect prices between now
and next spring, tending to depress
them; while there are others who take
issue with this theory, beieving the
really short United States crop and
the high price of other food products
will result in present values being
maintained and even advanced some-
what.
It will be readily seen from the
present status of the market that
wheat and flour purchasers will be
better off to continue to purchase to
amply cover trade requirements rather
than in large quantity for distant de-
livery for speculative purposes.
From a personal standpoint we
would not desire to be short or long
of wheat and flour requirements under
present conditions. The price may go
a little higher; if it does, there is al-
most certain to be a reaction later on
particularly if the growing winter
wheat crop winters well and prospects
next spring are for a large crop.
Lloyd E. Smith.
_—_—_>- 2 ——_—
Rice—Domestic rice favors the sell-
er in all positions. Spot stocks are
light in all grades and are so sparing-
ly offered that it takes premiums to
secure the better types. Mills have
few parcels for prompt shipment and
hesitate to contract for definite deliv-
eries as the harvest is uncertain. For-
eign rice is in light supply, but is
rather dull.
MEN OF MARK.
Thomas F. Carroll, Lawyer, Banker
and Railway Promotor.
In the retrospective analysis of men
of note with which the Tradesman has
been concerned record has usually
been made of successes in not more
than one line of human endeavor or,
at the most, of one dominating suc-
cess complemented by others in minor
lines, such records having been sup-
plemented by comments upon the in-
fluences attending conspicuous achieve-
ments. It is accomplishment worthy
of the name for an individual to have
achieved in one line of endeavor re-
sults through his own efforts which
might mark him as so notable among
his fellows as to be entitled to con-
sideration among those for whom this
page is reserved. Application and
thoroughness in the intense degree
born of the necessities of the day and
of strenuous competition have made
of this the age of the specialist and
those of this generation who have at-
tained a conspicuous altitude among
their fellows have, perforce, usually
been men whose activities arriving at
distinction have been circumscrihed by
attention to one venture. The Ad-
miral Crichton of invention, manufac-
ture, art or commerce is in this gen-
eration known only as a minus quan-
tity.
The exceptions to the rule cited are
rare and necessarily enrollment in that
numerically attentuated category im-
plies possession of qualities of a char-
acter to command respectful public at-
tention. One whose name is ap-
propriately so enrolled because of un-
usually strong personality is Thomas
F. Carroll—a man who has exercised
during five decades a marked influence
upon six of the foremost phases of the
life of his community—commercial,
financial, transportation, legal, political
and religious. His name is a tower of
strength in the business world of his
community. He dominates men
through a pronounced influence upon
their religious tendencies that directs,
amplifies and broadens their business
pursuits and modes of government.
Within the scope of such a man’s
power possibilities for good or evil are
practically unlimited. By him of
whom this article treats they are ex-
ercised always for good, with results
that will not fail in this and that will
have their impress upon future gen-
erations in his city, his section and his
State. i
Thomas F. Carroll was born in Chili
Center, near Rochester, N. Y., Nov.
23, 1854. His antecedents were Irish
on both sides, his ancestors having
originated in County Meath, Ireland.
When he was one year old the family
removed to Van Buren county, Mich.,
settling on a farm two and one-half
miles from Lawrence. Mr. Carroll at-
tended the district school and in 1869
entered the high school at Lawrence,
being one of the first pupils to enroll
in that institution. He pursued the
English course three years, when
financial reasons caused him to es-
pouse the occupation of school teacher
for two years. He then returned to
Lawrence and took the position of
MICHIGAN TRADESMAN
Assistant Principal in the high school
in which he had previously been a
student. He remained in this position
three years, in the meantime devoting
his spare time to reading Blackstone,
with the aid of Bouvier’s Law Diction-
ary, in the belief that he would pur-
sue a legal career.
Mr. Carroll came to Grand Rapids
July 1, 1877 and entered the law office
of Hughes, O’Brien & Smiley as a
law student. He was admitted to the
bar Oct. 14, 1878, and subsequently
formed a law partnership with Charles
M. MacLaren under the style of Mac-
Laren & Carroll. A year later he dis-
solved this connection and entered
into partnership with I. M. Turner un-
der the style of Turner & Carroll.
This relation continued fourteen years
_the corporation.
roll conceived the idea of constructing
an interurban railroad from Grand
Rapids to Grand Haven and Muske-
gon. This railroad, 55 miles long,
was erected largely through the per-
sonal efforts of Mr. Carroll, who
superintended every branch of the
work from start to finish. He is now
the only original director of the road
living and acts as General Council for
This road has been a
great convenience to the people and
business interests of all the cities. and
towns located on the line.
Mr. Carroll was a director of the
Fifth National and Commercial Sav-
ings banks for more than twenty
years. He is now a director of the
Grand Rapids Savings bank, the
Grand Rapids Trust Co., the Grand
Thomas F. Carroll.
and proved to be a very happy one for
both parties. It was dissolved by the
death of Mr. Turner on April 18, 1895.
Mr. Carroll then formed a partnership
with Joseph Kirwin under the style
of Carroll & Kirwin. A few years
later George Holloway was admitted
to partnership, when the firm name
was changed to Carroll, Kirwin &
Holloway.
Mr. Carroll was Assistant Prosecut-
ing Attorney under Mr. Turner for
four years from 1882-1886. He was
appointed by Mayor Sweet on the
Board of Appraisers. The other mem-
bers of the Board were John Widdi-
comb and Edward Lowe. He was
Postmaster of Grand Rapids for four
years from 3895 to 1899
About twenty years ago Mr. Car-
Rapids Street Railway Co. and the
Grand Rapids, Grand Haven & Mus-
kegon Railway Co.
Mr. Carroll was married in 1880 to
Miss Ella M. Remington. One son
was the fruit of this marriage, Charles
Carroll, who is engaged in Agricultur-
al Experimental work at South Haven.
Prior to taking up this work he spent
three years at Notre Dame and two
years at the Michigan University. He
is married and has three sons. Mrs.
Carroll died in 1882 and in 1889 Mr.
Carroll married Miss Julia A. Mead.
They have one daughter, Katherine,
who is now married to Joseph Lee.
They have a son and a daughter.
Mr. Carroll denies that he has any
hobby, which may be true, because he
has been a hard worker all his life
November 4, 1925
and has declined to enter into many
of the sports which professional men
as a class are wont to espouse. He
attributes his success to hard work,
which all of his friends concede as
true, because he has been a patient
worker all his life.
A marked peculiarity of Mr. Carroll
is his close resemblance to Ex-Secre-
tary of State Hughes. He has been
taken for the distinguished statesman
many times and bears the honor with
becoming modesty.
Mr. Carroll has been identified with
many large financial transactions and
legal controversies. He represented
the Cambria Iron Co. in the long
drawn out negotiations the city con-
ducted prior to the purchase of the
Hydraulic Water Co.
In whatever he did there was, to-
gether with a testy self-will, a large-
ness of vision tinged by the sense of
public service. He invariably does his
whole duty as a citizen of the city of
his adoption, for whose welfare he will
battle to the very end of his long and
useful life.
In the constant battle for individual
rights, Mr. Carroll has been a familiar
and valiant figure. His voice has been
heard on every contested political or
social question for the last half cen-
tury. Whether onc agrees with him
or not, one can but applaud his cour-
age and the stoutness of his defense
of any cause to which he gives him-
self. Even his age does not appear
to dim his discernment or diminish his
ardor. It is never in any self seeking
that he comes forward. It is for his
city, his country or for a principic
which has no _ national boundaries.
Freedom has always been his watch-
word; freedom in trade between coun-
tries and the fullest possible freedom
for the individual consistent with equal
rights and opportunities for all.
These are the achievements of a
man who started at the bottom of the
ladder and by hard work and native
ability has forced his way unaided to
the top, so that to-day he is regarded
as a Captain of Industry—first and
foremost in the legal, financial and in-
dustrial world. No one can talk with
him a moment without being impressed
with his dynamic force and winning
personality.
———_2-- 2.
Outrageously Unequal Postal Rates.
Written for the Tradesman.
As an example of the inequality of
the postal rates put in operation April
15, 1925, we discover that it now re-
quires six cents postage to carry an
ordinary sized copy of the Tradesman
when remailed by a subscriber, instead
of two cents as formerly. This would
amount to $3.12 per year; more if
any edition is larger than 32 pages.
Four cents used to carry three copies
in one wrapper; now fifteen cents post-
age is required. The recent annivers-
ary edition was priced at twenty-five
cents and required thirty cents post-
age if re-mailed by a subscriber. What
can we do? E. E. ‘Whitney.
—_——>.-.—_—_
If you can get nothing of value or
profit out of your trade paper, the
fault is with you. The value is there
for anyone who can read and who will
think about what he reads.
November 4, 1925 MICHIGAN TRADESMAN 7
mo
« . =
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PPR Fe a 4
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“4
NATIONAL CANNED
4 | FOODS WEEK
Every week should be Canned Foods Week but
November 9-21 is a Special Event—at this time Canners
and jobbers are enthusiastically behind this movement
and the live merchant will take advantage of this
enthusiasm.
DO SOME REAL PLANNING FOR THIS EVENT
Decorate your windows and store—make this advertising
work for you twenty-four hours of the day—cut a few
cans of quality canned foods and display them in glass
jars on center tables.
f 4
é = 4 Lao
‘
Advertise in your newspaper and by hand bills—placard
your trucks and store front.
Enthuse your clerks who sell the goods—tell your tele-
phone clerks and truck drivers to talk Canned Food bar-
gains to every customer.
Make Special Prices for these two weeks, but sell at a
profit—it is turnover that counts.
Forget the One Can business for these two weeks and con-
centrate your efforts on the Half Dozen and Case.
Put Some Real Pep Into This Sale— You will make a lot
of profit and will stimulate your general business—and
will give your community and competitors something to
talk about.
START NOW and WORK FAST
National Canned Foods Week
NOVEMBER 9~21
AGAIN THE GERMAN OGRE.
Once again the German ogre has
been trotted out, and before Hal-
lowe’en, too, to scare the patriots of
this country. This time it was in the
form of a menace to the domestic dye
well
and chemical interests. As is
known, the organic chemical indus-
tries in Germany, which were always
in close alliance, recently accomplish-
ed a merger with a view of acting in
concert in the export field. It is now
given out that they are trying to get
a better foothold in this country by
establishing branches here in opposi-
tion to the domestic concerns and that
they will be able to get the better of
the latter because of the patents they
own. It is true that these patents
were sequestered by the Government
and turned over to the Alien Property
Custodian, by whom they were sold
to the Chemical Foundation. The lat-
ter, in turn, has offered them to all
American manufacturers
make use of them. As against this is
the well-known fact that the German
patentees purposely worded their pat-
wishing to
ent applications in many instances so
as to deceive any who might wish to
counterfeit them or reproduce the sub-
stances mentioned. This has merely
made the job harder to turn out a lot
of the dyes and pharmaceutcials which
the Germans used to supply. As it is,
the domestic dye makers have suc-
ceeded in supplying about 95 per cent.
of the country’s needs and in building
up a very respectable export trade.
All of this is said to be threatened by
the new German invasion, although it
is not very clear how products are t«
be made any cheaper in this country
in factories owned by foreigners tha:
in those owned by citizens. And th
Germans, in acting as charged, are
only following the example set by
American concerns which have long
had branches abroad, and that of the
French, Belgians, British and others
which have branches here.
There are some, however, who re-
call the ruthless methods of the Ger-
mans before the war and who honestly
believe they can be again applied so
throttle the domestic organic
chemical industry.
as to
They can be re-
assured by recalling what has happen-
ed since. In the pre-war period the
German chemical concerns choked off
small establishments here by cutting
prices below cost, by bribery of chiefs
of dyeing rooms and by refusing to
sell any particular dye especially want-
ed unless all the dyes required were
bought from them. The two
mentioned methods cannot now be
pursued here. Concerted action which
led to the formation of the Textile Al-
liance put a stop to the one, and the
law is operative against the other. As
to the first mentioned, the fact now is
that the German trust would have to
fight a combination whose resources
are equal, if not superior, to its own
and which has been able to meet it on
even terms in foreign countries. There
is virtually no competition among the
domestic concerns. The biggest of
them was even cited some time ago
to appear before the Federal Trade
Commission as being a monopoly, al-
last-
MICHIGAN TRADESMAN
though nothing further seems to have
been done in the matter. How big a
concern it is may be inferred from the
fact that, for the year ended Dec. 31
last, its income after deducting Federal
taxes was $18,539,961. After paying
7 per cent. on its preferred stock and
$4 a share on its common, it had a
surplus for the year of $7,078,131. Its
total surplus at the end of the year
was $141,288,099. Surely this is a great
showing for an “infant industry” and
ought to demonstrate its ability to give
the Germans a good run for their
money.
CATCH ON TO SORRY JOKE.
The inheritance tax is a capital levy.
It is nothing else. The Government
simply waits until the property owner
is out of the way and unable to fight
Then it steps in and helps
or protest.
itself.
It is not the usufruct of capital th-
is taken. That we are accustomed to.
A certain proportion of income, we
feel, the Government is entitled to.
An inheritance tax of 5 per cent. is
equai to an income tax, under ordi-
nary conditions, of 100 per cent. The
rates run as high as 40 per cent. and
in many cases a State tax is added to
the Federal tax.
This actual wiping out of capital and
its earning power is recognized as un-
economic. It is recognized as such
when there is talk of a capital levy.
But, by some curious twist, when this
capital levy takes the form of an in-
heritance tax the same destruction of
capital power is winked at by our law-
makers.
The people of the country are be-
ginning to catch on to the sorry joke.
Opposed as they are to capital levy in
theory and in practice, they have
found that it exists in this democracy
under a different name.
This some
measure for the widespread demand
for the repeal of Federal inheritance
President
realization accounts in
taxes. Coolidge has an-
nounced himself in favor of the repeal.
Thirty-two state governors have sign-
ed a protest to be presented to the
House Ways and Means Committee.
Business organizations are lining up
behind the movement.
So far the opposition has not struck
root in the fundamentals of the issue.
The patent injustice of double taxa-
tion by state and Federal governments
is the first point to be exploited. It
is argued that this resource should be
left to the states.
But the inheritance tax by the states
is no sounder in principle than the
same thing on the part of the Federal
Government. Still, this battle must
begin somewhere. Repeal of the
Federal law will be a good beginning.
This is what the country hopes Con-
gress will do. This is the issue upon
which the House Ways and Means
Committee is already showing signs
of boggling.
The Delano committee of taxation
experts reported in favor of continu-
ing the Federal inheritance tax for six
years before repealing the law. To
most persons it will seem obvious that
what should be abolished six years
hence should be abolished now. Na-
tional finance is not to-day in a state
of emergency. Anything in the way
of taxation goes when emergency com-
mands. None now exists.
The evils of the death tax also in-
clude those of an indirect nature. The
effort to escape the levies has given
rise to the practice of forestalling the
collector in ways which mean the tak-
ing of capital from productive enter-
prise. This complicates the already
vicious circle. Higher and higher piles
of dead money.
European nations may stand in
pressing need of a capital levy to res-
cue them from the financial morass in
which many of them are floundering.
That is for them to decide. Americans
are convinced that no such necessity
faces this country. They have awak-
ened to the fact that they have a capi-
tal levy in this death tax. If Congress
does not respond to the demand for its
repeal the country is going to know
the reason why. The attempts of
Representative Green and others to
explain themselves have not been con-
vincing.
COTTON AND FABRIC PRICES.
In cotton, the great surprise came
at the beginning of last week, when the
Crop Reporting Board’s estimate of
the yield as of Oct. 18 was issued. De-
spite the indications afforded by weath-
er conditions, there were quite a num-
ber who clung to the belief that the
crop would be gauged as even lower
than in the report of a fortnight be-
When, therefore, the
was announced there was a gasp of
astonishment, followed by some angry
utterances. More opposition also de-
veloped against the practice of issuing
fortnightly estimates during a season
instead of monthly ones. But, for
trading purposes, the new estimate of
15,226,000 bales stands until changed
by later reports. It betokens a yield
of 164.7 pounds to the acre on a total
ot 44,231,000 acres. The report led to
a quick drop in cotton prices and es-
tablished new levels for the season
that are apt to be permanent unless
future reports change the prospects,
which seems unlikely. An immediate
effect of the crop estimate was to re-
duce the prices of gray goods, although
not to the extent that would have been
the case had the Southern mills been
operating in the usual way instead of
being curtailed by lack of water pow-
er. Quotations on the cloths are
stronger for immediate delivery than
for forward business, but trading is
restricted. Finished fabrics are, how-
ever, passing in fair volume through
distributing channels, and this fosters
the hope that, with easier prices, mills
will be enabled to keep more active.
Knit goods show little new feature,
with the exception of a rather acute
demand for heavyweight underwear
and a surprisingly good business in
full-fashioned hosiery for delivery
early next year.
fore. reverse
Shorter hours on the job appeal to
- all clerks and to many proprietors, but
the merchant who is always looking
for a chance to close his store earier
forgets that shorter hours may mean
shorter receipts.
November 4, 1925
WOOLS AND WOOLENS.
A slightly rising tendency has been
observable in certain wools, mostly of
the medium variety, which are now in
particular demand. This has been per-
ceptible in auction sales abroad and,
to some extent, in private sales in this
country. In Australia the results ap-
pear to have been sufficiently encour-
aging to warrant increasing the auc-
tion offerings 10 per cent. this month
and next. The recent happenings in
the wool market have led some in the
trade to guessing on the probable
trend. In general, it is believed that
there will be no notable changes
price for the remainder of the year
After that, what will happen at the
January auction sales in London will
probably determine matters. Despite
the large stocks available, the material
seems to be held in strong hands and
to be let out only when prices are
satisfactory. In this country sales are
rather slow, supplies being called for
only as needed. Some duplicate orders
for spring have come to the mills, but
not as yet for any large volume. Cloth-
iers are buying in a piecemeal way,
following their customers in this re-
spect. This is true despite the fact
that certain mills have advanced some
of their fabrics, especially a few want-
ed varieties of worsteds, from 5 cents
to 10 cents a yard. Women’s wear
lines are moving slowly, although cer-
tain weaves are showing signs of popu-
larity. There will, doubtless, be more
activity displayed in these lines later
on, particularly as many of them are
novel and well calculated to appeal to
the popular fancy. As soon as the
present season’s offerings are well out
of the way the spring fabrics will loom
up in better shape.
can
LITTLE BRIGHTER OUTLOOK.
October, as a whole, proved a pretty
good trading month all over the coun-
try. What hesitation there was at the
beginning of the period, due mostly to
the weather uncertainties, was dispos-
ed of in the last two weeks, and the
cold spell served to impress on many
the need of attending to seasonal re-
quirements. Buyers found it neces-
sary to make frequent trips to market
to replenish thinned stocks. The great-
er part of the business for strict holi-
day requirements has also been placed,
and retail buying of this class of goods
has been started. Most dealers, how-
ever, wish to dispose of stocks of other
than articles for gift purposes before
the sales of the latter get under way.
It is a favorable sign of the times that
collections continue to be quite good,
indicating that business conditions are
sound. The circumstances mentioned
have had their reflex in the primary
markets, which show a greater confi-
dence and hopefulness than for some
time past. Excepting where values of
raw materials have not been stabilized,
there is shown more of a disposition
to enter into forward commitments
because of the belief that favorable
conditions are well nigh assured for
some months to come. But there is
no tendency to overbuy or indulge in
speculative activity. Experiences of
the very recent past are sufficient to
overcome any such inclination.
November 4, 1925
OUT AROUND.
Things Seen and Heard on a Week
End Trip.
Looking back forty years or more
ago I recall nine merchants at Lowell
who certainly left a lasting impress on
the mercantile life of the town. They
were Charley McCarty, John Giles,
Chet Stone, Norman B. Blain, Hatch
& Crow, Geo. W. Parker and Hunt &
Hunter.
McCarty was a natural born trader.
No matter what the farmer brought
into town, Charley would buy it,
whether he could unload it or not.
I do not think he ever bought much
stuff he could not move at a profit,
but he made it the rule of a lifetime
to purchase anything a farmer might
bring to town, so that the grower
might have no reason for asserting
that Lowell was not a good market.
It should be remembered that Lowell
drew patronage from a much larger
territory forty years ago than it does
now. The Lansing branch of the P.
M. had not then been built and farmers
who now go to Lake Odessa then
sought an outlet at Lowell. On the
North Belding was then in her swad-
dling clothes and the growers in that
section divided their sales between
Greenville and Lowell. Charley Mc-
Carty was the Poo Bah of Lowell. He
sold groceries and handled produce.
He was a miller and a banker and
sunk thousands of dollars in enter-
prises which he was ‘too busy to give
personal attention. He told me one
day that he had been a bank director
several years and never attended a
meeting of the directors. I remember
telling him:
“Charley, if you will look in your
dictionary and turn to the word ‘di-
rector’ you will find the definition of
the term is ‘one who directs.’ You
have no business to serve as a di-
rector unless you live up to Webster’s
interpretation of the term. Unless you
right about face, you will sometime
have occasion to regret your neglect
and indifference.”
Inside of three years I received a
call from my friend, who handed me
a letter from the banking department,
stating that the assessment on his
stock in the bank was $4,000 and in-
viting him to settle inside of ten days.
“What do you propose to do about
it?” I asked.
“Pay up, of course. Hf 1 had acted
on your advice I might have escaped
this penalty, but I depended too much
on my associates and lost out.”
John Giles was a different type of
man, but sporting blood coursed his
veins also. He made a fortune selling
groceries in Lowell and then engaged
in the wholesale grocery business at
Detroit with Dennis McCarthy and
John Rooney under the style of Mc-
Carthy, Rooney & Giles. McCarthy
was a man of small business capacity,
but Rooney had acquired some good
mercantile ideas as a partner in the
wholesale crockery house of R. W.
King & Co., of Detroit. As I recall
the adventure—which sarted fifty-one
years ago—Mr. Giles lost inside of
two years $35,000 of the $40,000 he
invested in the ill fated Detroit ven-
MICHIGAN TRADESMAN
He returned to Lowell and re-
engaged in the retail grocery business,
acquiring a comfortable fortune be-
fore he died. He was a man of broad
ideas and the soul of honor. He started
many young men clerks on the right
road to a competence and took much
delight in recounting the number of
men who achieved success as the re-
sult of his tutelage. When he once
made a rule, he never deviated there-
from.
Chet Stone conducted a dry goods
ture.
store for many years. He was the
personification of good nature and
good-fellowship. He was too good
natured and altogether too optimistic
for his own good. He lost $5,000 in a
bank failure and had to pay $5,000 ad-
ditional
Younger men drew trade away from
his store and he died
cumstances.
assessment on his stock.
in reduced cir-
Norman Blain was a dry goods mer-
chant who dealt fairly and loved his
business. He the first Prohibi-
tionist I ever knew. He took an ac-
tive part in all local movements having
for their obiect the growth of the town
was
and the betterment of local conditions.
He was very tenacious of his own
opinions and had the courage to ex-
press himself on any topic on which
he felt strongly on the least provoca-
tion. He was a strong advocate of
local and State organization of retail
merchants and local building and loan
associations, to both of which subjects
he gave much thought and study. Few
men in Michigan were better posted
on the humanitarian side of the build-
ing and loan associaion than he was.
Business reverses came to him late in
life, but he kept his courage, removed
to California and made himself an im-
portant factor in the town in which
he located until he died.
Hatch & Crow were the merchant
millers of that period. They both be-
came rich in the milling business, but
misfortune overtook them and_ they
both died poor.
George W. Parker was a successful
dry goods dealer and wool buyer. He
was a great joker and played many
good natured pranks on his friends
and customers, which are still recalled
by people who lived in the village at
that time. :
Hunt & Hunter were successful
druggists who reflected credit on their
profession. E. A. Stowe.
~~. -
Holiday Buying Getting Active.
In many lines of apparel, as well as
those coming under the strict heading
of novelties, active buying for the com-
ing holidays has started. Silk under-
wear, hosiery, house robes, sweaters,
golf hose and other merchandise of a
gift nature are being bought for holi-
day delivery, with the volume of such
orders growing daily. There is also
a substantial last-minute business com-
ing in for toys, with dolls and wheel
goods well to the fore. Nothing has
developed to change the opinion of
both manufacturers and retailers that
the holiday business of the stores will
set new records. The former in many
cases are sending out special advices
to the retailers asking that orders be
placed without delay.
The Coffee Situation To-day at a
Glance.
Written for the Tradesman.
The writer has always contended
that the result of the current crop of
Mild or Central American coffees (Bo
Maracaibss, Bu
caramangas, etc.) would regulate (tem-
porarily at least) the
grades of coffees. In
gotas, Guatamalas,
spot price of
Santos other
words, if the Bogota crop, that will
be available for the roaster about Jan.
1, is of good character and deliveries
normal (this is conceded), the tem
porary abundance of this grade on the
spot market will affect the price of
The question for
the past two months with the roaster
“What the
crop and the Magdalena River?” The
spot Santos coffees.
has been: about Bogota
following is an excerpt from a letter
received from one of our Columbian
friends:
“The latest advice I get from the
Columbian growers is that the crop
should start to move freely about the
second week in November, coffee that
should reach New York
of December on.
from the end
This, provided navi-
gation on the Magdalena River, which
is now good, should continue that wavy,
as otherwise free arrivals would be de-
layed until about February or March.
The river, however, works in cycles:
four years in succession it suffers from
dry seasons, and for four years fol-
lowing it has good water all
round. We had the end of the
year cycle of low water two years ago,
year
four
and are now in the second year of the
high water cycle, so if history repeats
itself this year navigation
good.”
should be
You can now see why the roaster is
watching the development of the Bo-
gota crop this year with minute in-
terest. All character
might again advance between now and
December, but, no doubt, the turn of
spot coffees
the year will see an easier si‘uation—
temporary at least.
Of course, it is too early to predict
the condition of the Santos
crop, as their harvest
until our Spring.
current
period is not
However, the fol-
lowing is an excerpt from a letter re-
ceived to-day from one of Sou‘h
American friends:
“Flowering continues, as anticipated,
our
in patches, and is and has been good
in some irregular in others,
behind. Tt
has been raining again, wh’ch should
have On the
hand, we have had several cold days
parts,
while certain districts are
been beneficial. other
with strong Southern winds which can
not have done any good if gone up
country. This the future can only
bring out.”
“Frost rumors” are received most
every year, but only once during the
past four years have these rumored
frosts affected the Santos coffee crop,
so very little credence should be given
to these rumors.
In other words, we should experi-
ence @ dip in the coffee market
the later part of January or
February, followed by a slight gradual
around
advance as the surplus Central Ameri-
can crop becomes exhausted, with the
general status of the future coffee
market dependent upon
future Santos crop.
entirely the
9
If Santos should produce this year
better than 10,000,000 bags of coffee.
of average quality, lower prices are
inevitable. Po ob Walsh, Jr.
(ce a
Root Crops Pay Best When Marketed
Promptly.
Traverse. City.
nity years
Nov., 3—Less th:
farmers of the
Craverse region often boatsed that the
ago
digging of root crops might be post
poned in the fall until f
the following spring.
the Ope!
Snow th:
ered the earth in October of each
before it had been frozen protected
potatoes, turnips and like vegetables
until the advent of spring. Railroads
had not been provided for t 7
1
Ie Femion
and as the local market coul
sume the products of the fie
: : :
CS, TWlany
tubers
Cui S
plantings of were not opened
Farmers of later years learned that
is more profitable to dig and dispose
of their crops as quickly as possibl
after the tubers have ripened. Tn sev
eral districts the public schools have
been closed and pupils are at work in
the potato fields.
Winter opened
oy 1 ‘
earner than tsua
this vear and only 50 per cent. of
vears yield of apples and _ potatoes
have been gathered. Rain and snow
have fallen on alternate davs durin:
the past week. Dirt roads are badly
cut up and farmers experience many
difficulties in marketing the products
of their fields. Still the railroads are
loading from fifteen to twenty car
loads of apples or potatoes every dav.
Prices have advanced and it is expect
ed that potatoes will brine $4 per
bushel before long to the producer.
Owners of chain stores seem to be
well established in this city. Woo
worth and Penney operate large, mod
ern stores, while the A. & P. and Fic
have important establishments
Fick owns ten grocery stores. Twelve
bakeries supply the demands of local
and surburban communities. The A
& P. stock obtains its baked goods
from Detroit and a bakery in Mil
waukee furnishes many grocers with
cakes of various kinds. The Hekman
Biscuit Co., of Grand Rapids, has es-
tablished a substantial demand for its
less
products through local dealers in gro
ceries.
George Jewett, formerly the man
ager of the American Express (o.’
business in this citv, was retired from
the service of that company
manths ago with a pension He en
iovs vigorous health and althouvh h
is well situated, financiallv. he is seel
ing employment. Mr. Jewe‘t ow’
valuable real estate located in Grand
Ranids. A sister is a teacher empl 1
in the public schools of that cits
Traverse Citv is deenlv intereste
in the progress of the pavement now
under construction between Manis’¢
and this citv. The iob has been fin
ished between Manistee and Benzonia
Arthur Scott White
fe
The Women Are Not Neglected.
Women and girls are not neglected
that are
1
i
in the novelties now being
put on the market for the holiday sea-
sons, and this is just as true of ster
ling silver goods as it is of other lines
of merchandise. One of the big sil
smiths with salesrooms here is offer-
novel type of cigarette case for
me 4a
women that is very popular abroad. It
is made in an unusual and attractive
Shape, and is set off with a cord
handle and tassel to match. It retails
at $17. Similarly trimmed with cord
handle and tassel is a small circular
compact of sterling silver that retails
at $12.25. It contains a rouge plaque
powder in separate com-
To retail at $11 is a some-
he cord
and loose
partments.
article without t
what similar
and tassel. It is designed especially to
slip into a purse or pocket.
10
SHOE MARKET
Creative Ability Necessary in Success-
ful Display Work.
The common place window display
can be likened to the poor. since it is
with us always. Almost anv nan cen
trim one. The more experience a nan
has, the more likely he can turn out an
ordinary display “in his sleep.” The
unusual window display is quite a dif-
ferent kettle of fish. That is why it is
unusual.
It is too much to expect the average
footwear window to be a knockout.
We all have our ideals and we all
take pride in our work, in one way or
another. It is hardly probable, how-
ever, that the average man who has
window decorating as a part of his
job caa devote the proper amount of
time to the work tc enable him to do
himself justice. Still even he, just the
average fellow, acquires some real in-
terest in the work and has his mo-
mentary dreams cf knocking the town
dead with a display some day.
As in plenty of other lines of work,
the average man handling window dec-
orating is not a trail blazer. If he
were, he would not be an average man,
he would be a leader. Still, he has to
extend himself once in a while—he
cannot go along doing his work always
on the same dead level which attracts
no unusual attention. He has his
dreams, and they are real dreams, too.
Only he seldom follows through and
carries out an idea from one of those
dreams. Instead, when he does extend
himself it generally comes from seeing
a window displav somewhere that he
could copy or adapt.
I used to wonder why more men in
window display work did not do orig-
inal work: why they developed so lit-
tle—just kept on putting in and taking
out the same old cut-and-dried dis-
plays. It is curious, but the reason
why I kept on wondering about this
for years was precisely the same rea-
son why those men kept on working in
the same old rut. I neglected to con-
centrate my mind on the question, and
they pursued the same easy course.
This week I have taken for my sub-
ject the unusual display. Tt is an im-
portant subject and not to be over-
looked in any series of instructive ar
ticles such as this.
however, which is difficult to present
in the most helpful way. I could do
far better if I could talk about it, be-
cause, instead of telling how to pro-
ceed, what to do, the first and most
vital task is to get the reader to think.
That is the real problem. Get a win-
dow display man to actually concen-
trate his mind on producing an un-
usual display and to carefully think
out his possibilities, and the rest is
easy; because all one can do besides
is merely to make a few suggestions.
Now. on the subject of thinking out
unusual displays. the first question is
where to start. I have intimated that
the big end of the job is thinking out
the display. Granted this is so, does
It is a subject.
it not follow that there must be a
right and a wrong way to start this
thinking. Just to sit down and try to
think up an unusual idea at random
does not seem likely to accomplish
much—at least not for the average
MICHIGAN TRADESMAN
man. A creative genuis might get
away with it. And that thought im-
mediately raises the question as to
just how a creative genius usually is
anything but spontaneous ability; gen-
erally it is well grounded upon a lot
of patient, methodical training. You
may be sure a creative genius, when
sitting down to deliberately think out
an unusual window display, would
start thinking along definite lines lead-
ing toward his object. New ideas may
not come at once. But they will pop
up unexpectedly later on as the direct
result of concentration. This is a well
known fact admitted by all psychol-
ogists.
To begin with, the commonplace
window display is just a conglomera-
tion of merchandise placed in the win-
dow in some sort of order and “deco-
rated” with a few display cards. This
is our starting point—we aim to put
it behind us, temporarily at least. For
our first step toward the unusual, here
is suggestion No. 1.
Instead of the usual clutter of mis-
cellaneous shoes that go into the av-
erage display, suppose we decide upon
neat unit groupings of shoes divided
off in separate units through the use
of dividers. Devote one group to busi-
ness shoes for dry weather, another
unit to the heavy waterproof sort for
rainy days. Evening dress footwear
is another unit, slippers to form an-
other. Heavy footwear for hunting,
sports, etc. Devote one side to a
showing of women’s and misses’ and
the other to men’s and boys’. Put in
a special setting for this occasion.
Make the front look different than it
ever did before. Get right down to
brass tacks and get your brain to
working. Think up something new
and unusual. Make your window dis-
plays different from the other fellow’s.
For another step remember that the
pulling power of every window dis-
play, of whatever character, unusual
or otherwise, depends largely upon a
good general effect. This comes from
getting good balance and proportion
between the main idea the window ex-
presses and the general merchandise
arrangement. This may seem a trifle
vague, but think it over. Your win-
dow must not be all idea and mighty
little merchandise, nor the opposite.
Suppose you went to a county fair and
saw a hair-raising exhibition of para-
chute jumping from an aeroplane, but
no horse races and little in general to
identify it as a county fair. You would
be disappointed, and even the stunts
of the aviators would fail to interest
you greatly. On the other hand, if
you were to go to a fair where they
had “everything,” you would be full of
enthusiasm. And there you have the
key to this very important matter of
getting balance and proportion in your
window display without crowding or
permitting one element to over-shadow
another.
——-o2ss—_"_—_
May Buy Rubbers Earlier.
Purchasing of general lines of rub-
ber footwear by retailers is expected
to begin earlier than usual this year,
although it is not thought anything big
will be done in the aggregate until the
early snows make their appearance.
Reasons advanced here yesterday as to
why earlier buying of this merchan-
dise is looked for included both the
shortage of it in the hands of retailers
and the probability of higher prices
after the turn of the year. The manu-
facturers’ year on this merchandise be-
gins on Jan. 1, and about that time
adjustments of prices to meet the ad-
vanced quotations in the crude rubber
market are probable. With the crude
material so much higher than it was
a year ago, every indication points to
substantial advances in the finished
goods. Early buying of them, with a
view to beating the advance, is there-
fore looked for.
———o2es——_
Fancy Eyelets in Favor.
The most interesting news in eye-
lets to-day is the number of fancy eye-
lets that are being used in shoes, most-
ly men’s brogue shoes. Fancy shoe
eyelets are not new, for such eyelets
were made at least fifteen years ago.
After a period of twelve years with
little demand, about three years ago
shoe manufacturers began calling for
something different in eyelets. This
has resulted in the adding of new de-
signs and there has been a steady in-
crease in demand, last September being
the banner month.
There is now quite an assortment of
special designs to choose from and,
therefore, no difficulty in finding some-
thing that will look attractive on the
shoe and give the effect desired. This
is strictly a style proposition which
may change over night, but at the
present time there is a brisk demand
which is well taken care of by the eye-
let manufacturers.
—— ++
Are Speculating in Hosiery.
Complaints are heard from the local
knit goods trade of the efforts being
made by speculators to make a clean-
up on full-fashioned silk hose. Men
with no pretensions in the matter of
hosiery experience or knowledge have
somehow or other managed to get
their fingers in the pie, according to
the current special news letter of the
National Association of Hosiery and
Underwear Manufacturers and some of
the smaller selling agents, on whom
the activities of fly-by-night purchas-
ers seem to be concentrated, have re-
ceived for goods from all
manner of persons. It takes no im-
requests
agination, the news letter says, to ap-
preciate that this kind of influence on
the market is by no means a good one.
November 4, 1925
Some of the speculative purchases run
into large quantities, one such “buy”
recently being 20,000 dozen goods for
quick delivery.
—_2+2>——_-
Hosiery Uncertainty Exists.
Although it is not unusual in any
trade to hear a number of differing
opinions expressed as to what is sell-
ing and what isn’t, it appears that
there is more of this uncertainty
afloat now in the women’s hosiery
field than for some time. In some
quarters the assertion is made that
there will be more than seasonable
falling off in the movement of sheer
goods, and that with it will come an
‘ncreased call for blacks. Against thi
is the expressed belief that chiffon
will continue to go well, and that ther
is little reason to doubt the continuc:|
vogue for colors, especially after tl:
turn of the year. On the latter sid:
of the question is one of the best post
ed men in the business, who is willine
to stake his business reputation on this
belief.
—_—_» 2 +—__—_
Not Much Change in Shoes.
No great change has come about
in the local wholesale shoe situation
lately. Some improvement in advance
business, for delivery during Novem
ber and December, was reported yes
terday, with the sales manager of one
of the most important houses telling
of the best week of this kind of busi
mess so far this season. “At once”
business also is keeping up well, from
all accounts, although in some quar
ters the demand for women’s shoes is
not quite so good as it was last month.
This was thought to be due, at least
in part, to the fact that, with the styles
in women’s footwear less varied than
they used to be, retailers can take
more chances in filling up their stocks.
They seem to have done enough of
this to make further buying unneces-
sary for the time being.
a a a
Appeals Court Decision.
A case is pending in the highe:
courts of Missouri involving a Kansas:
City ordinance prohibiting sleeping
quarters above any garage in which
more than three motor cars are kept.
One of the hotels in the city is con
testing the ordinance. The hotel los
the case in the lower court and was
also refused a new trial. It has now
appealed to the higher courts.
SHOE RETAILERS!
MAIL THIS COUPON TODAY
cicieees Stine A I a a a i a cemme Se SIe
Herold-Bertsch Shoe Co.,
Shoe Manufacturers,
Grand Rapids, Michigan.
Gentlemen:
Please send me without obligation full details of
your new plan for selling a short line of work and
We understand you claim greater profits, cleaner
stocks and faster turnover for your plan.
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November 4, 1925
MICHIGAN TRADESMAN
11
Cheap Buyers and the Meat Trade.
Bargain hunters, clever buyers and
cheap buyers are terms that are used
rather loosely and perhaps you may
sometimes be classified by some of
the merchants as one of the above,
when in reality you belong in a dif-
ferent classification. When persons
seek an article at a low price but do
not consider the quality which it pos-
sesses and then fail to make a com-
parison with the quality of a higher
priced article we may then consider
them as a cheap buyer merely looking
for something with a low cost. Where-
as a shrewd buyer is one who con-
siders the quality, conformation and
condition and the price when making
purchases of meats. Once a Scotch-
man who was considered a clever buy-
er was attracted to an article marked
$10. He thought a few minutes and
said to himself, the seller wants $8,
he will take $6, it is worth $4, so I will
offer him $2. The bargain hunters are
those who are looking for low prices,
but are always considering the quality
to a certain degree and may thus be
considered as one between the clever
and the cheap purchaser. It is the
cheap buyer who has the greatest dis-
astrous effect on the meat trade, for all
merchants realize that during this age
there are many who are limiting their
budget for the necessities of life so
that they may receive a. greater num-
ber of luxuries. Here is where the
retail meat dealer puts into use the
human psychology and advertises his
wares at low prices. The cheap buy-
ers scan the newspaper for these stores
and make haste there for their pro-
visions. In order to supply this de-
mand naturally the retailer must pur-
chase his merchandise at a low cost.
This as regards beef calls for a cheap
carcass, and such are only received
from cheap cattle, which are of the
dairy type or poorly fed and bred
animals. With the acceptanace of this
grade of meat at a low price, it natur-
ally follows that an inferior product
will produce much dissatisfaction. Fur-
thermore, the trading in this grade of
meat, if it is advertised and sold as of
a higher grade than it is, reacts seri-
ously on those who are handling the
superior product which commands a
higher price. In all, because of the de-
mand for the poor grades the relative
value increases while that for the best
decreases, thus working a hardship on
the producer who is endeavoring to
produce a high grade commodity. Be-
come a shrewd buyer by getting real
quality and at the same time allow the
farmer who is engaging in the raising
of the high grade animals to receive
his just share or value for his wares.
This will help to stabilize the meat
industry.
—_2++___
Warns Consumers Against Ground
Meat.
Don’t buy ground meat unless you
deal regularly with a reliable butcher
or have the meat ground in your pres-
ence.” This is the warning of James
W. Kellogg, director, Bureau of Foods
and Chemistry, Pennsylvania Depart-
ment of Agriculture, prompted by the
prosecution of seven cases during Sep-
tember where ground fresh meat con-
taining sulphur dioxide was being sold.
The safest way for the meat buyer to
_avoid this ground meat containing in-
jurious chemical, the director tells
consumers, is to buy from a reliable
butcher regularly or insist that the
‘butcher grind the meat after a piece
has been selected for grinding. Other-
wise, there is a chance that meat scraps
will be used. Meat scraps are some-
times treated with chemicals to make
them appear as fresh meat. The scraps,
he explained, sometimes tainted and
turned black, are chopped up, dusted
with sulphites and run through a
grinder by some irresponsible butch-
ers. The sulphites cause the meat to
take on the bright red color of fresh
butchering. He explained that the
great majority of butchers are reliable
and conduct clean, sanitary shops, and
that only a few cases require prose-
cution.
—_2-.____
Fashion’s Influence on Furs.
Not for some time has fashion drawn
a sharper line of demarcation between
what’s what in furs and what isn’t than
it has this season. In the trimming
furs, for instance, makers of coats
were said yesterday to be purchasing
wolf and squirrel quite freely, while
they are going very slowly on red fox.
Not so very long ago, red fox was
quite the thing to set off women’s
garments. In the so-called fancy furs
the same thing holds true. Silver fox
seems to be gaining ground with the
advancing season, while Russian sable
and fisher, to name two other varieties,
are dragging badly. In the staple
coat furs the best business is still be-
ing done on Southern muskrat and
raccoon, followed by Northern musk-
rat. The Northern “rat” is being
bought both for natural use and dye-
ing.
i
Evidently Destined To Have a Large
Sale.
The Skinner Manufacturing Co., of
Omaha, has placed on the market a
new breakfast food which is evidently
destined to reach a commanding posi-
tion in the trade. It is called Raisin-
Bran and is a combination of bran,
whole durum wheat and raisins. It is
very appetizing as a breakfast food and
is an excellent substitute for bran in
the making of bran bread, because the
product is much more moist and palat-
able than where ordinary bran is used.
The use of raisins makes an especial
appeal to children, who sometimes re-
ject the attempts heretofore made to
popularize breakfast foods in which
bran is the main ingredient.
a
May Feed Citrus Pulp To Live Stock
and Poultry.
_ Tallahassee, Fla., Oct. 23—Florida’s
citrus crop may be used for another
Durpose than supplying millions with
luscious fruit—as a food for hungry
livestock and poultry, for instance. A
Texas manufactory has written the
Department of Agriculture asking for
information as to where citrus pulp
may be obtained for dehydration pur-
poses, the product to be used for live-
stock and poultry. Officials of the
Department referred the Texas con-
cern to the State Marketing Bureau at
Jacksonville. Meantime, the State
Chemistry Department is being con-
sulted regarding the exact food value
of dehydrated orange pulp.
A COMPLETE LINE OF
Good
Brooms
AT ATTRACTIVE PRICES
Cowes
Michigan Employment
Institution for the Blind
SAGINAW W.S., MICHIGAN
KING BEE
DAIRY FEED
20% Protein
This latest addition
to our line of King
Bee Feeds is now on
the market and going
strong.
Manufactured by
HENDERSON MILLING
COMPANY
Grand Rapids, Mich.
Chocolates
Package Goods of
Paramount Quality
and
Artistic Design
Watson-Higgins Milfing Co.
GRAND RAPIDS, MICH.
NEW PERFECTION
The best all purpose flour.
RED ARROW
The best bread flour.
Look for the Perfection label on
Pancake flour, Graham fiour, Gran-
ulated meal, Buckwheat flour and
Poultry feeds.
Western Michigan’s Largest Feed
Distributors.
Our Collection Service
Must make good to you or we will.
“There’s a Reason’”’
DEBTORS PAY DIRECT TO
YOU AND IT’S ALL YOURS
Only the one smali Service Charge
—absolutely no extras.
References: Any Bank or Chamber
of Commerce of Battle Creek, Mich.
MERCHANTS’ CREDITORS
ASSOCIATION OF U. S.
208-210 McCamly Bidg.
BATTLE CREEK, MICH.
For your protection we are bonded
by the Fidelity & Casualty Com-
pany of New York City.
Moseley Brothers
GRAND RAPIDS, MICH.
Jobbers of Farm Produce
You Make
Satisfied Customers
when you sell
““SUNSHINE”’
FLOUR
Blended For Family Use
The Quality is Standard and the
Price Reasonable
Genuine Buckwheat Flour
Graham and Corn Meal
J. F. Eesley Milling Co.
The Sunshine Mills
PLAINWELL, MICHIGAN
BIDNEY ELEVATORS
Will reduce handling expense ana
speed up work—will make money
for you. Easily installed. Plans
and instructions sent with each
elevator. Write stating require.
ments, giving kind of machine and
size of platform wanted, as wel)
as height. We will quote a money
saving price.
Sidney Elevator Mnfg. Co., Sidney, Ohlo
BARLOW BROS. Grand Rapids, Mich.
Ask about our way.
Bell Phone 596 Citz. Phone 61366
JOHN L. LYNCH SALES CO.
SPECIAL SALE EXPERTS
Expert Advertising
Ewpert Merchandising
209-110-211 Murray Bldg.
GRAND RAPIDS, MICHIGAN
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dedde Sang a Bar, Bhat oe ees!
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12
_ FINANCIAL —
Fogyism Drives Many Concerns Near
the Rocks.
A year or so ago a statement of
earnings and a_ balance sheet of a
company known a generation ago as
the leader of its industry were shown
to a downtown banker.
“Something is radically wrong,” de-
clared the banker. “No more than a
casual glance is required to show that
this company is headed for disaster.”
The figures covering earnings for a
period of about ten years revealed a
steady and alarming decline in profits.
High earnings during the war were to
have been expected, of course, and a
slump in 1920 would not have been
strange, but such a steady shrinkage
of business needed something more to
complete the explanation. Net earn-
ings on the capital invested had fallen
from approximately 25 per cent. in
1915 to something like 2 per cent. in
1923.
Any business man knows that such
a trend cannot be continued indefinite-
ly, despite the fact that this company
in former years accumulated a sub-
stantial surplus. That was just what
the banker pointed out.
“Something is radically wrong,” he
said again. “These figures emphasize
at least two points: That earnings un-
der the present policy—or rather lack
of definite policy—are diminishing
perilously near the vanishing point;
and that immediate adoption of an en-
tirely new policy affecting sales and
business expansion is vitally necessary.
Doubtless that is the reason you have
shown me these documents.”
“But there has been no change in
the company’s management or policies
for years,” said the visitor. “Why
should there be such reversal with the
same men in charge of operations?”
“Ah, perhaps that is the difficulty,”
came the banker’s reply. “I have seen
several instances just such as this. Ex-
ecutives too often forget that customs,
styles and conditions in general are
constantly changing. The once popu-
lar horse car has disappeared. Bustles
are no longer fashionable.
“A manufacturer must keep abreast
of the times, and to maintain sales vol-
ume the management must ever be on
the alert for original ideas. One must
be prepared to make changes—in poli-
cies and in personnel—to be progres-
sive and to assure profits.
“Automobiles, submarines
planes are visible changes in the times.
Manufacturers all too frequently read-
ily understand these changes but fail
to see changes just as important in
their own lines. They appreciate the
‘coach and six’ is no longer seen on
Fifth avenue—but many a once pros-
perous soap manufacturer, aS an ex-
ample won't believe that yellow laun-
dry soap has long since been super-
seded by white soap and soap chips.
“You may be surprised to know
that huge stocks of war materials are
still held by concerns whose leaders
lack the vision and the ingenuity to
fashion both the materials and the mar-
ket to their profit.”
Going into details, the banker ex-
plained how business management had
become a real science in the last sev-
and air-
MICHIGAN
eral years, citing, for illustration, the
painstaking effort devoted only to the
preparation of a marketing plan. This
phase divides itself into a half dozen
divisions, he said, including an exhaus-
tive study of: product, demand, distri-
bution and competition, any one of
which may be further divided into four
or five headings so that the smallest
detail may be carefully analyzed and
studied.
“I do not pretend to be a ‘business
physician, but it is clear to me that
your company is ‘sick.’ If you felt as
ill, you would consult a medical prac-
titioner or a specialist in the disease
from which you were suffering.
“Why don’t you do as much for
your company? Don’t you owe it to
your stockholders as well as to your
associates and to the industry of which
you are a part to take action which
might prevent the disintegration of
this business? Needless business fail-
ures are nothing less than commercial
suicides. They aren’t natural deaths.
“Here is a fundamentally sound
business that needs rejuvenation in
large doses,” continued the banker.
“There are business specialists, just as
there are heart specialists, experts on
the eyes or throat surgeons. In your
case specialists are needed.
“T know of a group of such experts
who make a specialty of reviving dying
concerns such as this. Not even the
foremost board of directors in the
country could marshal so competent
an array of talent and experience, or-
iginality and vision as is represented
on this staff of business strategists.
To me the uniqueness of this group is
striking.
“There is one directing head; he is
an executive of many years’ standing,
who has guided the destinies of sev-
eral of the country’s leading manu-
facturing concerns. I refer to him as
‘director general.’ At the completion
of a rejuvenation campaign the director
general turns over to the company’s
executive the results of his specialists’
efforts in the form of plant facilities
utilized at capacity output; this great-
ly increased production entirely ab-
sorbed by consumption developed
through systematized intensive distri-
bution.
“Thus the executive is relieved of
the formidable task of himself assembl-
ing, digesting and weaving into one
unified plan of action the highly tech-
nical studies and reports of numerous
specialists. And of then executing
that plan.
“His is the novel and simplified ac-
tion of turning over a weak, decrepit
business and of receiving it back in
vigorous health, dynamic in its energy
of steady, quick turnover at enhanced
profits.
“These experts hold that there is a
solution of every problem at any time
confronting the head of any industrial
concern, just as there is for every
mathematical problem, and their duty
is to find that solution for the business
and profit extension of large national
establishments.
“The group would take your sick
business, revitalize it, nurse it along
and finally turn it back to you in a
robust, healthy, profitable condition—
with production placed on an efficient
November 4, 1925
TRADESMAN
Kent State Bank
“The Home for Savings”
With Capital and Surplus of nearly Two Mil-
lion Dollars and resources exceeding Twenty-
Two Million Dollars, invites your banking
business in any of its departments, assuring you
of Safety as well as courteous treatment.
YOUR BANK
T HE Old National Bank has a record of
72 years of sound and fair dealing with its
depositors and with the community of which
it is a part. Its facilities are available to you
in all fields of progressive banking—Commer-
cial Accounts, Securities, Safe Deposit Boxes,
Savings Accounts, Foreign Exchange, Letters
of Credit, Steamship Tickets.
The OLD NATIONAL BANK
GRAND RAPIDS
What Is A
Voluntary Trust
A agreement by the terms of which
the management of all or part
of an estate is entrusted to our care
so that the owner is relieved of de-
tails but receives the income—is a
voluntary trust.
Under such an arrangement the
owner of property can find much re-
lief. Let us tell you more about the
advantages of a voluntary trust as it
might apply in your case.
[RAND Rapios TRUST [ OMPANY
GRAND RAPIDS, MICHIGAN
.
.
November 4, 1925
MICHIGAN TRADESMAN
13
and economic basis, all markets in-
tensively developed, product in keen,
active demand—every department
thoroughly organized and manned with
a highly trained harmonious force. It
would restore not only dividends, but,
what is more valuable, wholesome de-
mand and a flourishing business pres-
tige.
“If you decide to meet these men,
you will find they are of a distinct
type—men of achievement—executives
who through their accomplishments
have safely piloted several industries,
with international distribution, through
business depressions; a sales manager
through whose efforts every home in
the country is familiar with a product
he developed; three advertising di-
rectors who have created and sustain-
ed phenomenal nation-wide successes;
industrial engineers with real records
in effecting economies and efficiency
in production, and accountants who
are keen analysts of all departments of
industry. One is amazed that so great
a number of such men could be de-
tached from remarkably high connec-
tions and be assembled into one staff,
working as a harmonious unit.
“I can highly recommend these men
and there is no doubt in my mind but
that they would quickly convince you
that their services are more than mere-
ly worth while. Of course, their fee
may seem large to you, but you require
the services of specialists of rare cap-
abilities.
“Tt has never been denied that the
human structure depends for its con-
tinued good health and development,
entirely upon the standard at which
its delicate organs are maintained; sub-
sequently the wise individual would
think little more of calling in an or-
dinary practitioner if his heart develop-
ed weakness than he would a plumber
or grocery clerk. His first thought
would be to consult a heart specialist
of the highest order and he would be
prepared to pay for such services.
There can be no difference where a
business is suffering from the debility
this one is. The cases are parallel.
“IT know you can’t help but agree
with me that it is worth $250,000 or
$500,000 of any business man’s money
to convert the losing of millions into
the making of them; especially with
the added sense of relief in knowing
that the best ability obtainable is cur-
ing his particular illness and leaving
him sufficiently equipped to reach and
maintain a state of prosperity as set by
the specialists, higher than even his
previous best year.
“In your case, too, there is a genera-
tion or more of prestige and good will
which you are gradually losing. Not
only are your profits disappearing, but
the value of these intangible assets is
being seriously threatened.
“If you accept the proposition this
group of experts will make,” concluded
the banker, “be willing to go the whole
distance. Don’t agree half-heartedly
and then back out. That would be
costly and worse than no action at all.”
A casual enquiry revealed to the
manufacturer that his friend, the bank-
er, had been modest in his praise of
the members of this board of strategy.
Each had established an_ enviable
reputation in his own field of endeavor.
Signed contracts quickly followed
the first formal conference and the
business executives took hold.
Evidence of uneconomical operations
was found in a system of trade dis-
counts that had developed during and
immediately following the war. This
practice had grown to such an extent
that during the latter half of 1923 the
company actually sold its product at
less than, cost of manufacture and dis-
tribution.
The expert analysis revealed that
the cost of production had been stead-
ily climbing in the face of diminishing
net returns, although prices of the
product to the consumer had been
raised. A steady decrease was shown
in the amount received for each unit.
Cosctly competition, it was learned,
explained to a large extent the firm’s
difficulties. To keep up distribution
the management had resorted to a
form of dealer favor rather than dis-
cover the means to cultivate demand
by consumers. Vast sums had been
wasted to outmaneuver competitors in
wooing dealers rather than used to
bring pressure to bear on dealers
through the stimulation of public buy-
ing.
Trade discounts had proved ruinous
not alone to this company, but ‘o its
competitors. A vicious cycle ha. bern
created whose revolutions were taking
their toll in starving out popular de-
mand to the utter demoralization of
the entire industry.
Yet this company was restored to
its former pre-eminence in the indus-
try without any agreement—nay, with-
out a single conference—with any com-
petitor. The staff of experts, after
careful plans, simply took the ball and
scampered away with it across the
field to the goal of success and leader-
ship. They made their own prices—
which give a fair profit to all—irre-
spective of competition, and moreover,
gained the co-operation of the dealers
in doing so. Eliminating ruinous
trade discounts and dealer favors is a
big job at any time. To accomplish
this and at the same time to create
dealer good will and support in their
stead was a masterpiece of strategy
and tactics. This illustrates the type
of generalship employed.
One of the company’s most profit-
able lines had been neglected because
sales in other departments were larg-
er. Yet where volume was largest
profits were nil.
Of course, the new management
quickly realized the possibilities of the
profitable line and made it the prin-
cipal factor in the company’s produc-
tion.
At the end of the first year of its
revival the company is more than mak-
ing good on predictions. Red figures
have disappeared. Although profits
are not so large as they were ten years
ago, they show a definite trend with
already a substantial excess over all
the costs of the readjustment.
In another year or two, the concern
should be earning more than ever in
its history, for under the policies laid
down by the business specialists there
is no reason why this company should
not continue to dominate its field. Its
competitors have been left far behind
Fourth National Bank
United States Depositary
The accumulated experience of over 56 years, which has brought
Establishea 1868
stability and soundness to this bank, is at your service.
Wm. H. Anderson, Pres.
Christian Bertsch,
Robert D. Graham,
Charles N. Willis,
L. Z. Caukin, Vice Pres.
Sidney F. Stevens,
Marshall M. Uhl,
Victor M. Tuthill
Samuel D. Young
DIRECTORS.
James L. Hamilton
GRAND RAPIDS
MICHIGAN
J.C. Bishop, Cash.
David H. Brown,
Samuel G. Braudy,
Charles N. Remington
GRAND RAPIDS PAPER BOX Co.
SET UP and FOLDING PAPER BOXES
Manufacturere of
G KR AN OD
KR A F F
D $s MiEi¢ HH
GAN
THE CITY NATIONAL BANK
oF Lansine, Micu.
Our Collection and Bill of Lading Service is satisfactory
Capital, Surplus and Undivided Profits over $750,000
“OLDEST BANK IN LANSING”
5%
paid on Certificates in force three months. Secured
by first mortgage on Grand Rapids homes.
GRAND RAPIDS MUTUAL BUILDING and LOAN ASSOCIATION
A Mutual Savings Society
GROUND FLOOR
BUILDING and LOAN BUILDING
Paid in Capital and Surplus $7,500,000.00
Cor. MONROEand IONIA
Branches
Grandville Ave. and B St.
West Leonard and Alpine
Leonard and Turner
Grandville and Cordelia St.
Mornoe Ave. near Michigan
Madison Square and Hall
E. Fulton and Diamond
Wealthy and Lake Drive
Bridge, ee and
Stocking
Bridge and Mt. Vernon
Division and Franklin
Eastern and Franklin
Division and Burton
dhe ‘Bank
Where you feel
at Home
MEMBER
/4 FEDERAL RESERVE 0 y
_ $$$ ny
YOU WILL LIKE
OUR SERVICE
Whether your trans-
actions are small or
large, makes no differ-
ence, when you deal
with us.
The size of the trans-
action is secondary—
the service is always
the same.
You are invited to deal
with this bank.
“The Bank Where
You Feel at Home.”
Grand Rapids
Savings Bank
OFFICERS
WILLIAM ALDEN SMITH, Chairman of the Board
CHARLES W. GARFIELD, Chairman Ex. Com.
GILBERT L. DAANE, President
ARTHUR M. GODWIN, Vice Pres.
EARL C. JOHNSON, Vice President
TONY NOORDEWIER, Ass't Cashier
OLDEST SAVINGS BANK IN WESTERN MICHIGAN
ORRIN B. DAVENPORT, Ass’t Cashier
EARLE D. ALBERTSON, Vice Pres. and Cashier HARRY J. PROCTER, Ass’t Cashier
H. FRED OLTMAN, Ass’t Cashier
nee te RR NT AOC REET IOS CITT TIE
14
this year. They should be put even
farther in the distance next year.
The company was managed by the
“business physicians” only a little more
than six months. Expansion pro-
grams were arranged for a year ahead,
distribution was placed upon a solid
foundation, weak links in the organiza-
tion were strengthened. Then the
company was turned back to the old
management—cured—while the spec-
ialists gave their attention to another
case.
Thus a commercial suicide was
avoided. And a company familiar to
every household in the land more than
two score years ago was started on
another long career of prosperity.—
Wm. R. White in N. Y. Evening Post.
—_~+22>———_
Michigan Oil Burner Rules.
The Michigan State Fire Marsha’
Department is finding that oil burners
are being rapidly installed in this
State. It has been impossible for the
State Department to handle inspections
directly. The applications for permit
to use oil burners and oil storage tanks
are turned over to the local fire chief
or building inspector who checks the
installations with the State regulations.
It is no longer necessary to hold up
the installation pending an O. K. from
the State Department.
In a special letter to its assistants
the Michigan Department calls special
attention to the following require-
ments:
That auxiliary tanks cannot exceed
twenty-five gallons.
Storage tanks must be equipped w’th
fill pipe and ventilating pipes running
outside of building to ten feet above
source of supply.
An approved fire extinguisher musi
be installed near the entrance to the
burner room.
All feed lines to be equipped with
proper safety appliances and automatic
valves which should be tested by the
inspector and known to work freely.
Dampers which completely close
smokestack must be eliminated.
Feed pipes to burners must be rigid-
ly supported or encased in concrete
on basement floor.
Protection should be placed around
automatic safety valves where dipper
or kettle is used near furnace to pre-
vent obstruction which might inter-
fere with the performance of same.
Glass gauges, the breaking of which
would cause leakage, must be elimin-
ated.
Where tanks are installed outside
building consideration must be given
to last paragraph Section Fifteen.
All wiring in connection with oil
burners must be installed in accord-
ance with the National Electrical
Code.
Fuel oil which has a flash point
below 120 degrees Fahrenheit shall not
be used.
Auxiliary tanks and storage tanks
must be installed on non-combustible
foundation. Wood will not be per-
mitted.
—_+ +>
New Types of Turbans.
For early Spring semi-formal wear
a new ribbon turban is to be featured
in a variety of wide ribbons. Velvet
grosgrain, moire and metal-face satins
compose these new skull-cap types.
MICHIGAN
The ribbon is folded cross-wise or on
diagonal lines, with the novel finish of
streamers dropping to the waistline at
the side-back, according to a special
bulletin issued last week by the Retail
Millinery Association.
“With the now much-discussed
molded silhouette,” the bulletin con-
tinues, “the modeled turban lines will
be expoited as first choice for com-
pleting either tailored styles or the
costume of soft-line expression for
both resort wear and Spring showings.
Overlapping oblique bands and inter-
windings of contrasted textures and
colors are forecast as a dominant trend
well into the Summer months, the
slightly elongated line from the fore-
head to the nape of the neck being
advocated as a preferred handling. For
this model the nose-veil is revived in
a thin film of dotless mesh.
“One of the most effective offshots
of the turban line is the draped coronet
now at the height of a vogue in pastel
metals. For Southland wear there is
submitted an interesting development
of this styling in pastel metal gauze
en pastel hair. Metallic nets are simi-
larly mounted, swathed in pastel velvet
ribbons which are self-adjusted across
the forehead. The maline turban, in a
new determination which utilizes the
jeweled brooch, cameo and wrought
metal ornaments, is an advance feature
of a leading specialty shop.
“The success of the velvet beret is
directly responsible for a striking
series of pastel felts of this genre. This
model. which was presented last sea-
son by a leading milliner, was accept-
ed by clients returning from abroad,
but was regarded unfavorably, or as
too advanced by stay-at-homes by
whom it was examined. As now
launched, it is finding favor as an ac-
cessory of new costume tailleurs and
jaunty top coats in white and the full
pastel range designed for resort wear,
duplicated in rose-beige, the bois de
rose shades, grays and tans for travel
usage.”
———-.@-—-————__——
Has Novel Undergarment.
A novelty in women’s undergar-
ments that is selling well has lately
been placed on the market. It is a
combination of bloomers and petticoat.
The latter is simulated by wide front
and back panels that are attached
about four inches below the waistband
of the part of the garment which makes
up the bloomers. The waistband and
kneebands are elastic, and the latter,
which may be worn either above or
below the knee, can be used as garters.
It is offered in milanese, rayon, radium
or crepe de chine, and in a wide va-
riety of colors.
—_+2+>__
Hides, Pelts and Furs.
Green No: te 11
npen No. 2 19
Parent ho; to 12
Caren No 2 11
Calfskin, Green, No. 1
Calfskin Green, No. 2
Calfskin, Cured, No. :
Calfskin, Cured, No. 2 ~------------- 18%
Hume Bo. te. 3 50
Tors, No. 2 2 50
Pelts.
ola Wool —..___..______-__ 1 00@2 50
a SS 1 00@2 00
Shoariines 2. 50@1 00
Taliow.
Prime 07
No. 1 06
No. 2 05
Wool.
Unwashed, medium __~------------- @40
Unwashed, rejects ---------------- @32
Unwashed, fine ----------.------- ~-@40
November 4, 1925
TRADESMAN
Automobile Insurance
a Necessity
ASSETS
Dec. 31, 1915 __------- $ 4,083.34
Dec. 31, 1918 _-------- 69,424.91
Dec. 31, 1921 _-------- 137,392.51
Dec. 31, 1924 _-_------- 565,225.96
Oct. 1, 10m --------- 709,287.35
RATES REASONABLE
The company has finished ten years of
service and has agents and adjusters in every
county of the stae.
Inquire at any sales agency for the local
agent or write William E. Robb, Secretary,
Citizens Mutual Automobile Insurance Com-
pany, Howell, Michigan.
Grand Rapids National Bank
The convenient bank for out of town people. Located on Campau
Square at the very center 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
banking, our institution must be the ultimate choice of out of town
bankers and individuals.
Combined Capital, Surplus and Undivided Profits over
$1,500,000
GRAND RAPIDS NATIONAL BANK
GRAND RAPIDS, MICH.
Michigan Shoe Dealers
Mutual Fire Insurance Company
LANSING, MICHIGAN
PROMPT ADJUSTMENTS
Write
L. H. BAKER, Secy-Treas.
P. O. Box 549
LANSING, MICH.
GRAND RAPIDS LABEL CO.
Manufacturers of
GUMMED LABELS OF ALL KINDS
ADDRESS, I... a EMBOSSED SEALS, ETC.
rite us for Quotation: Ss
GRAND RAPIDS oe
MICHIGAN
4
4
November 4, 1925
MICHIGAN
TRADESMAN
15
To Lessen the Danger From Fire.
In issuing his proclamation designat-
ing the week of Oct. 4 as Fire Pre-
vention Week, President Coolidge
stressed the need “for earnest study of
the principles of fire protection as a
practical measure of National econ-
omy.”
The public as a whole has been to-
tally ignorant of the constant drain on
the family purse and satisfied to re-
main passive under a fire burden which
reaches the staggering amount of five
hundred million dollars a year and
exacts a toll of about fifteen thousand
human lives annually. Fire preven-
tion, however, should not be restricted
to any certain week. It is an educa-
tional measure having for its sole aim
the conservation of life and property,
the prevention of waste and the safe-
guarding of the Nation’s resources, and
merits the careful consideration and
observance of every public spirited
citizen every week throughout the year.
Every fire which occurs has a far
reaching influence on the personal wel-
fare of every individual and affects the
success of every business. Its influ-
ence is reflected in unemployment, de-
creased purchasing power, business
friction, curtailed production and con-
sumption, unfilled contracts, delayed
deliveries, lost customers and ruined
enterprises. Is it not surprising then
how little thought the American busi-
ness man gives to inc question of fire
waste?
In the mercantile business fires seem
to increase during the fall and winter
months. An analysis of these fires
shows many of them to be due to de-
fective chimneys and faulty installation
of stoves and other heating devices.
This is then a very opportune time fc
the merchant to check up on these
points which seem to be so dangerous
at this season of the year.
Prevention Precautions.
1. Go over your plant on a tour of
inspection. Examine the chimneys
and flues. See that they are properly
lined and free from cracks. In order
to be safe a chimney should be built
from the ground and should not rest
on brackets, posts or other supports.
2. Don’t us old or dented and rusty
stovepipe. Don’t string pipes through
closets, attics or other concealed
spaces. If the stovepipe must pass
through combustible partitions, walls
or ceilings, be sure to provide a metal
ventilating thimble which permits the
circulation of air around the pipe
where it passes through.
3. Stoves should be raised about 4
inches from a combustible floor and
the floor should be protected by sheet
metal extending at least one and a
half feet in front, sides and rear. Very
often it happens that stock is piled
too close to the stove for safety unless
a metal protecting shield is placed
around the stove and this is recom-
mended as a safety measure.
4. See that a metal container is pro-
vided for hot ashes.
5. Post “No Smoking” signs about
in conspicuous places and see that the
rule is enforced.
6. Keep aisles, stairways and win-
dows clear and free from stock.
7. Have all rubbish, loose packing
materials, etc., cleaned up daily and
removed from the buildings.
8. Check up on your electrical wir-
ing. Defective wiring contends for
first position as the cause of most fires.
Look over your entire system frequent-
ly. Replace all old, worn or sagging
wires. Discontinue the use of long
extension cords. Do not permit any
wires to be looped or hung on nails or
over metal supports.
9. Keep an eye on your fuse box
where tampering is so likely to be in-
dulged in. Use proper sized fuses and
keep an extra supply in the office. Do
not permit “doctored” or makeshift
fuses to be used even for a moment.
10. Post the employes on what to
do in case of fire. Have them acquaint
themselves with the location of the
chemical extinguishers and teach them
the proper method of handling these
handy fire protection devices. Show
them your closest fire alarm box and in-
struct them how to turn in a proper
alarm.
After policing your own premises
urge your neighbor to do the same. A
hazardous condition next door means
that you will suffer because of your
neighbor’s negligence. Have the in-
tervening space kept free from ac-
cumulations of lumber, boxes and mis-
cellaneous articles of that kind. Pro-
tect yourself as well as you can from
any damage which might result to your
property from a neighboring fire. Win-
dows and wall openings toward your
neighbor’s risk can be protected by
steel shutters, wired glass windows,
steel fire-doors, etc. If you can secure
your neighbor’s co-operation in an
effort to reduce the fire hazard, you
will have rendered a service to your-
self, to your neighbor, to your business
and to your country. D. L. Carton.
——_>+ oe —__—
Preparedness.
A reader of “Safeguarding America
Against Fire, has sent to the National
Board a page ripped from a periodica!
called the Cabinet Woodworker, pub-
lished apparently in or near Phila-
delphia, whereupon appears in all seri-
ousness the following announcement:
Fire Truck Notice!
The Fire Truck is now stored in the
Ford Garage. Those who do not have
a key should go to the East window
of the Bank and the Telephone Op-
erator will lower a key tied to a string
and card to them from the office win-
dow. The key will unlock the first
door on the West side.
Presumably the flames are expected
to pause in their sweep long enough
for members of the volunteer fire de-
partment to observe the letter of these
labyrinthine directions. They seem, in
fact, to be only a degree less circuit-
ous than those shouted to a laborer
atop a three-story building by a fellow-
worker on the ground:
“Tim, don’t ye be comin’ down the
ladder on the South side!”
“Phwy not?” queries Tim.
“Sure, I just took it away.”
—_——-o.-2.-oa—
Every day failure comes to more
or less merchants who are giving too
little time to thought of how to in-
crease sales and too much time to
how to have more fun.
OUR FIRE INSURANCE
POLICIES ARE CONCURRENT
with any standard stock policies that |
you are buying
theNetGotis OVO Less
Michigan Bankers and Merchants Mutual Fire Insurance Co.
of Fremont, Michigan
WILLIAM N. SENF, SECRETARY-TREASUR,ER
SAFETY SAVING SERVICE
CLASS MUTUAL INSURANCE AGENCY
“The Agency of Personal Service”’
Cc. N. BRISTOL, A. T. MONSON, H. G. BUNDY.
FREMONT, MICHIGAN
REPRESENTING
Central Manufacturers’ Mutual
Ohio Underwriters Mutual
Retail Hardware Mutual
Hardware Dealers Mutual
Minnesota Implement Mutual Ohio Hardware Mutual
National Implement Mutual The Finnish Mutual
Hardware Mutual Casualty Co.
We classify our risks and pay dividends according ‘to the Loss Ratio
of each class written: Hardware and Implement Stores, 40% to 50%;
Garages, Furniture and Drug Stores 40%; General Stores and other
Mercantile Risks 30%.
WRITE FOR FURTHER PARTICULARS.
Merchants Life Insurance Company
RANSOM E. OLDS
Chairnian of Board
WILLIAM A. WATTS
President
@
Offices: 3rd floor Michigan Trust Bldg.—Grand Rapids, Mich.
GREEN & MORRISON—Michigan State Agents
August 2nd, 1909 August 2nd, 1925
16 YEARS
Without an assessment. Without a lawsuit.
Paying all losses promptly and saving our members 30% an-
nually on their fire insurance premiums.
The Grand Rapids Merchants
Mutual Fire Insurance Company
Affiliated with the Michigan Retail Dry Goods Association
Grand Rapids, Michigan
320 Houseman Bldg,.
16
-WOMAN’S WORLD
What About the “Poor Mrs. Smith?”
Written for the Tradesman.
Last week we considered “poor Mrs.
Jones,” the farm woman who is dis-
satisfied with living on a farm and re-
herself This week
we will take up the case of her whom
we will call “poor Mrs. Smith,” the
woman who is not on a farm but who
has a grouch at her husband’s oc-
cupation. There are many of these
poor Mrs. Smiths.
gards with pity.
Did we speak of Mrs. Smith as hav-
ing a grouch at ‘her husband’s occu-
pation? in instances, just a
other in-
some
else. In
there is just cause
We will take the
latter first—the cases of intelligent dis-
grouch—nothing
stances, however,
for dissatisfaction.
content.
round who
themselves into
There are human pegs
arevainly trying to fit
vice versa—attor-
holes, and
have taken legal training but
square
1eys who
who never can be lawvers, pseudo-
storekeepers who have no business to
be in business, and so on. There is
scarcely one of these who could not
be successful in his proper line of ef-
fort.
Sometimes the wife, Mrs. Smith as
we call her, sees the sad blunder that
was made in choice of vocation, before
the misfit himself sees it. Always she
must be sure that the mistake is vital,
not something that can be corrected
by hanging on. This being true, for-
tunate is it for both if she can have
the tact and the power of persuasive
reasoning to make her husband see the
matter as it is; and fortunate is it if
together they have the strength of
purpose to swing the change, and do it
while youth and strength and adapta-
bility are with them.
There are the cases where carrying
on a given occupation lays altogether
too heavy a burden on the wife. A
big husky fellow with neither experi-
ence nor capability in that line, takes
it into his head that he wants to con-
duct a small restaurant or cafe. The
wife helps him get started. And she
has to keep right on helping, that is
if vou call what she does, helping. She
finds that the thing can be made to
go and yield a fair financial return, by
standing over range and steam
table. managing the help, and attend-
ing to all the many and wearisome de-
tails. Otherwise the overhead would
take all the receipts. While she is at
work, her stay and protector stands
around near the front entrance, chat-
ting with patrons, smoking good cigars
and growing fatter and lazier with
every breath he draws.
her
There ought to be something doing
in this Smith family besides keeping
restaurant, right away. And if Mrs.
Smith will use her brains as efficient-
ly as she has to use them in cooking,
she very soon will have that eating
joint sold, and things ended around
so that Mr. Smith will be the main
support of his household, even if he
has to do it by shovelling sand or
breaking rock.
Another case of intelligent discontent
is that of the woman whose husband
is a demonstrated failure at everything
MICHIGAN
he attempts. She has some craft or
profession in which she could earn
high pay by going where that kind of
work is in demand. She is deterred
from doing this by her husband’s in-
sisting that they stay where they are
and go on with some forlorn hope of
an enterprise that he has started and
can't bear to let die. Such a woman
is indeed a poor Mrs. Smith. It is
fifty-fifty which is more to be pitied,
this Mrs. Smith or another whose hus-
band is also a ne’er-do-well, while she
herself is without any skill that pos-
sibly could be turned into money.
-So much for cases of intelligent dis-
Now about the Mrs. Smiths
who are discontented from fool causes.
content.
Here is one who is unhappy because
her man hasn’t a white-collar job. He
is a plumber, and she feels that his
occupation is holding her down social-
ly. He makes considerable money but
hasn’t yet gotten to where he can call
himself a sanitary engineer and em-
ploy others to do all the hard labor. He
has to cut and fit pipes and work in
all kinds of dirt which
possibly may be unpleasant for him.
She never thinks of that.
and grease,
Then there is the Mrs. Smith whose
husband is working on a salary, while
she wants him to go into business for
himself.
And the other Mrs. Smith
husband owns his business.
whose
This one
would prefer the salary and is always
complaining, “We never have anything
to spend, because every dollar we get
hold of has to go right back into the
business.”
We must not forget the Mrs. Smith
who is much more of a daughter than
she is a wife. She wants poo: Smith
te give up his present job or the
start he has made, pull up stakes and
go into something—anything
she can be near her folks.
so that
Another lady malcontent is the Mrs
Smith who always is trying to get her
Smith to go into something that will
have more money. in it than what he is
now, likely the line of
that some friend who has
done particularly well is engaged in.
Still another Mrs. Smith must be
mentioned, the one who is discontent-
ed on general principles, and never
satisfied with anything for long at a
time. I know one such, a young
woman whose husband had a position
as a widow trimmer in a large dry
goods store. Being artistically in-
clined, Mr. Smith found this employ-
ment very congenial. He was earning
good money and was studying adver-
tising in his spare hours, with a view
to working up to something better.
But his rattle-brained little wife
couldn’t let him alone. Always she
was finding fault with the requirements
of his employers. Especially was she
put out when he had to work of an
evening, which happened about once
a week, or oftener if his firm was put-
ting on a special sale. Whenever he
called up to let her know that he
couldn’t be home to dinner, she would
have a spell over the phone. She never
took into consideration that he usually
had a half day and frequently a whole
day off every week. To make a long
story short she got him out of that
doing most
business
Ee
TRADESMAN
job, but he hasn’t yet found another
half so good.
Every wife who makes a practice
of needlessly finding fault with her
husband’s line of work, ought by rights
to have to live on the fragmentary
earnings of some rolling stone of a
man, spending her years in a vain ef-
fort to hold him to some one place and
one job long enough to make it yield
a decent living.
As this well deserved punishment
cannot always be meted out to this
class of offenders, it is recommended
that they make a study of a few facts
in regard to occupations—axioms these
are, self-evident truths that, strange to
say, many seemingly intelligent women
have failed to grasp.
In these days of division of labor
and highly specialized callings, each
must stick to that to which he is
adapted, and usually to that for which
he has been trained.
A change from one position to an-
other in the same calling, unless it
comes as a promotion earned and con-
templated, is never to be regarded
lightly, involving, as it almost always
does, additional expense and loss of the
purchase of established reputation. AI-
most never is anything gained by aim-
less shifting about.
Not all energetic, capable men are
great money-makers. Because one man
has made a success in a certain line,
is no proof that another of different
temperament and qualifications can do
even fairly well in the same sort of
undertaking.
The wife should count herself bless-
ed whose husband is able to make an
income sufficient for the needs of his
household and to provide for old age
and a rainy day, at work he likes and
can stand up to, in some location that
affords a suitable and pleasant home.
Nor can she expect that any calling
whatsoever will be without some dis-
agreeable features. It is as much her
business as it is her husband’s to bear
these necessary ills with good grace.
The wife who keeps up a thought-
1ess grumbling about her husband’s
work, can expect nothing else but that
she will hinder him from achieving
any real success, dishearten his spirit,
and destroy his ambition.
Ella M. Rogers.
——_»--____
Balancing the Meal With Meat.
Do the housewives, the chefs, restau-
rant keepers and others who serve the
daily rations use meat as the main
stave of the meal and then buy vege-
tables suitable to be served with the
meat, or is it a hit and miss propo-
sition? Perhaps some of our meals
consist of the various food commodi-
ties purchased merely because they are
easy to be had, and very little fore-
thought is given as to how satisfactory
this combination will be to the con-
sumer. The nutritive value, the
economical value and the physiological
effect of certain foods on the human
body and digestive system should re-
ceive careful consideration in planning
a meal. To illustrate the lack of
knowledge that many have in planning
the proper food combinations, one
should notice the various kinds of
food that are selected by consumers
November 4, 1925
at a cafeteria on an a la carte menu.
A very striking contrast will exist be-
tween such meals and those served
table d’hote or those prepared by a
first-class chef or dietitian. These lat-
ter scientific people give careful
thought to what foods are used in com-
bination and how they are prepared.
Every seller of provisions should have
some knowledge of the most suitable
and satisfactory food combinations.
If this knowledge was general, mer-
chants would be able to bring about
many sales that are now lost, for good
suggestions from them would be
greatly appreciated by housewives.
Certain meat dishes, when served with
proper vegetables, makes best possible
combinations. The serving of peas
with lamb is always in good form,
while sweet potatoes and apples with
pork will never fail to bring satisfac-
tion. When serving veal, which is
somewhat hard to digest, a vegetable
containing considerable acid, as to-
matoes, should be used and meet with
approval, from a dietary point of view.
Such vegetables as cabbage, turnips,
spinach and other greens are greatly
improved in flavor when a boiling cut
of pork is used. If you desire a cer-
tain vegetable for a meal and perhaps
are not sure as to what meat should be
served to make up a proper combine-
tion from a dietary standpoint, ask
your butcher and undoubtedly he will
be of great help but if he cannot sup-
ply you with the needed information,
the Bureau of Home Economics of the
U. S. Department of Agriculture will
assist you in the task of planning your
meals. This information is free and
housewives should take full advantage
of the opportunity to inform them-
selves of the correct methods of cook-
ing and what to cook.
——_>--.
Neckwear and Shirts Sell Well.
Neckwear and shirts are finding an
active consumer demand, with the re-
sult that most manufacturers of this
merchandise have been doing a satis-
factory business. Orders are coming
in from practically all over the coun-
try for both regular and holiday mer-
chandise. The retail neckwear de-
mand, according to those in close
touch with the situation, is better than
that for shirts, although the buying of
the latter has greatly improved. New
figured effects, plaids and stripes in
the brighter colors lead in neckwear.
Novelty effects in either collar at-
tached or to match models, have stim-
ulated the shirt demand.
—_—-~~.--o
For Twelve Cents a Day.
Sir Ronald Ross, British scientist,
who is well known for his research
work in the cure of malaria and sleep-
ing sickness, claims that the allotted
span of three-score years and ten
should find man but in the prime of
life. He says that because we fall
prey to countless germs, we lead un-
necessarily curtailed lives. His simple
idea is that twelve cents from the
pocket of every Englishman, spent in
scienific research, would so advance
medical knowledge that germs and old
age would be held at bay and that
man would healthfully live to an age
of at least one hundred and fifty years.
~->—_____
Hudson—The Pet Milk Co. manu-
factures 170,000 tin cans daily at Hud-
son for use as evaporated milk con-
tainers. Of this number 50,000 are
used in the local plant and the re-
mainder shipped to the company’s
plant at Wayland and Coopersville.
——+-—___
Detroit—The Wiedernold Co., Gen-
eral Motors building, has been incor-
porated to manufacture and sell lubri-
cating oils of all kinds, with an author-
ized capital stock of $10,000 preferred
and 10,000 shares at $1 per share, of
which amount $2,000 and 400 shares
has been subscribed and $2,400 paid
in in cash.
Only five more days
left to plan for
National
Canned Foods Week
November 9th to 21st
The consuming public through vari-
ous means has been educated to the
advantages and opportunities of
Canned Foods. During this week it
is looking to you to furnish Canned
Foods in quantities and at a price
which will be well worth its while.
Posters, streamers, newspapers and
every possible means have been
used to acquaint the public with the
merits of Canned Foods. Your rating
as a live, aggressive, wide-awake
grocer will be measured in accord-
ance with the effort you put behind
Canned Foods Week.
When you sell
Canned Foods in quantities to your
Remember this.
customer, she is not running all
around the town looking for bar-
gains in one or two can specials.
Canned Foods are going to be sold
in large quantities during this week.
Are you going to get your share of
this business, or are you going to
allow it to go to your competitor
around the corner?
It’s up to you!