pup LIC HBP apy <= BIT IR ne (ED? Nae ANOS ens + > Others To Advance Men’s Shorts. Other producers of lightweight un- derwear are expected to follow the lead of one of the large distributors in advancing prices on certain broad- cloth construction of men’s shorts, it was indicated in the trade recently. Some mills still have quantities of printcloths bought at prices 1 or 2 cents under the current market level and, when these stocks are depleted, they will be compelled to replenish them at higher quotations. No increase is ex- pected in shirts at the present time. IN THE REALM OF RASCALITY. Questionable Schemes Which Are Under Suspicion. Fowler, Nov. .19—Will you please give me advice on the following: About July the Anchor Hat Co., of New York, sent me a box of ladies hats to the amount of $16. These hats I did mot order, nor did I give the resident buyer who had these hats for- warded to me an order or give him any authority whatever to buy or request him to select or have any merchandise forwarded to me. These hats were shipped by express and were dropped into my storeroom by our local dray- man. We were busy so_ neglected them and left them there for nearly five weeks. Then we returned them. The company refused to accept them and now they are threatening suit if I do not pay for them. I am enclos- ing copy of letter from the National Surety Co., with whom they insure their accounts. Please give me your advice in the matter, for which I thank you in advance. : Frank A. Becker. The letter from the National Surety Co. is as follows: New York, Nov. 15—-We insure the accounts of the Anchor Hat Co. and in accordance with the requirements of their policy, they have referred to us Rg claim against you, amounting to 16. We are informed that repeated ef- forts have been made to collect with- out success. ‘Bills must be paid promptly to maintain good credit standing and as an insurance company we cannot continue protection on debtors who are not fulfilling their ob- ligations. We must insist that you mail the undersigned your check immediately to cover the above account or we shall be obliged to send the account to our attorney for action forthwith. The National Surety Co. was writ- ten as follows: Grand Rapids, Nov. 21—Enclosed herewith find letter I have this day written Frank A. Becker of Fowler, Mich. Because I know your company to be a reputable one, I know you will be very sore to Jearn that the Anchor Hat Co. is a crooked institution, doing an illegal business, and under no cir- cumstances should you undertake to enforce the collection of an account which thas no. standing in law or equity. I shall be glad to have you write me that you have immediately ceased doing business with such a crooked concern and I think it would be en- tirely proper for you to make ample apology to Mr. Becker for being mixed up in such a nasty mess. E. A. Stowe. Mr. letter: Grand Rapids, Nov. 21—I am in receipt of your letter of Nov. 19 en- closing letter from the National Surety Co., insisting on your paying for goods you never ordered. Of course, the National Surety Co. would never have written you such a letter if it was in possession of the facts, because it is a high grade or- ganization. I knew the chairman, Mr. Joyce, fifty years ago when he was a bell boy at the Sweet’s Hotel, Grand Rapids, and I nave watched the growth of the company under his manage- ment with much pleasure and satisfac- tion. I am going to send the company a copy of this letter, so that it can see for itself that it is doing business with a shyster house. The Anchor Hat Co. not only has no rating by Dun & Co., but the name is not even printed in the book, You will readily see that it Becker was sent the following must ‘tbe an oversight on the part of the National Surety Co. to have any dealings whatever with that kind of cattle. : Under no circumstances must you take in the shipment again, )because you did not'authorize it and you are in no way responsible therefor. The next Congress will, undoubtedly, pass a law making it a misdemeanor to send out goods without orders. E. A. Stowe. Ellsworth, Nov. 21—The Gold Seal Business Builders’ representatives, Claud M. Ranf and Harry Abraham- son, called at our store advising us to accept their offer of a twenty-eight piece dinner set given to each customer with a $95 purchase. We buy one set costing us $2.95. We paid $2 down, $7.95 c. o. d. for dishes, cards, puncher and easel to display dishes. They may put something else in the box or nothing and we cannot know until we have paid the $7.95. Also when the customer has traded out the card we are to send their name and they for- ward the dishes direct to the person. How do we know? That. party might never receive their set. They also mention to us other stores they sold this deal. We find the largest and most progressive stores left out. leav- ing the small stores for the deal. Are they reliable or fakes? They re lo- cated at 2753 Grand River avenue, Detroit. I also read something about expiring August 1, 1931. Please ad- vise at once. Tony Shooks. The scheme is crooked from start to finish. Furthermore it has been put out of business by the Government issuing an order—which is published elsewhere in this week's Tradesman— forbidding the use of silverware, chinaware, radios, etc., with coupon schemes. You will render yourself liable to prosecution by Uncle Sam if you touch any of these swindles at any angle. Grand Rapids, Nov. 21—We have received a number of enquiries about the “R. L. Browning, Paper Mill, Grand Rapids, Michigan.” We have sent warnings tc communities in Wis- consin, Iowa and Illinois, asking them to notify their members to the effect that we know of no such concern in this city. It occurred to the writer that™you might care to be informed that this same party is representing himself as a Grand Rapids concern as well as a Battle Creek concern. Lee H. Bierce. ———~> 2 -<- Educating Customers. A large retailer recently said, “Cred- it is like morphine in the hands of those who do not understand its prin- ciples and dangers as well as it bene- fits. It is a most useful and helpful invention; but either opium or mor- phine if used habitually and without proper direction leads eventually to the gutters. “It is the responsibility of the credit executive of to-day to see that credit is in the hands of those who under- stand its principles and are as com- petent to handle it as a physician mor- phine or opium, “We all know that a great number of our credit losses are due to incompe- tency in the people we sell. If we endeavor to educate and train them to be more efficient, we render a real service to them, to the community, and to the credit profession, and we also reduce our losses and increase our sales and profits.” 4 Na eon re. a Se ad ¥ «ok Rice—There is little activity in rice on the spot, so far as large orders are concérned, but a fair volume is moving in small lots. Stocks in distributors’ hands are kept low, but replacements are regularly necessary as _ retailers enter the market for their supplies. It appears that the new crop Blue Rose will be carried largely at the growers’ expense this year. + + ____-- Sauerkraut — Sauerkraut easy, with a considerable quantity of Western kraut offered on the local market against State packers. It is still being offered there at $9 for 45 gallon barrels, but some factors are holding for higher prices. Many of the packers have stopped cperations. ——_- ‘Syrup and Molasses—Demand for sugar syrup is fair considering every- thing, with prices unchanged. Buying is in small lots. Compound syrup is quiet without change in price. Molasses moderately active without cha ge. —_——__o se Vinegar—Vinegar is moving in small lots to fill out stocks, but the arrival of cooler weather has thus far failed to spur up trading to the degree an- ticipated. There are no changes to report for the week. Spot stocks are light but adequate. was vice- continues ~ i ge > ee a oa a — soe ~-& =~ 1 abet 0 tee ae smi get e @ 3+ dai. Wee « « ® —4- a » : : < ge = F ~~ i a Ae > - a . « ——o if Se Se aoe A RIO ice « ® November 26, 1930 MICHIGAN TRADESMAN 5 Essential Features of the Grocery pear to be low in the hands of the Review of the Produce Market. 4s oe es a 4.00 Staples. trade and replacements go into prompt Apples—Current quotations ‘are as ----------------------------- 4.00 Sugar—Jobbers hold cane granulated distribution soon after arrival. Most fololws: 80 Ta Oa eee ee 4.00 at 5.30 and. beet granulated at 5.10c. of the demand appears to be for con- Sores A Grade $2.25 96 ~---------------------------- 3.00 Tea—The demand for, tea duting the Sens needs of the Saat and there Spies, Commercial 2. 1.50 Choice is held as follows: past week, meaning the first hands 'S little evidence of speculative buying. Baldwins, AvGrade 2.0. 2.00 54 ------------------uL-------- $3.50 business, has Leen fair to good with- Adriatic figs are reported as inactive Baldwins, Commercial _____-__- 1.25 64 ----------------------------- 3.25 out, however, any particular change in by some hands A on the ‘spot, while McIntosh, A Grade _______----- 2.25 70 ----------------~------------- 3.25 price for the week. The undertone Others find trading in them satisfac- McIntosh, Commercial _______-- 1.50 80 ----------------------------- 3.00 is strong on account of the plans which tory. It seems generally agreed that Seoes A Gade. 208 96 2 2.50 are in use in most primary tea mar- the demand for black figs is better Snows, Commercial _____-_----- 1.25 Grapes—$1.75 for Calif. Emperors in kets to cut down the production. Prices than tt was a while back, but there Wasners, A Grade _. 1.50 30 Ib. lugs. are steady to firm and may advance in ie sss shortage HONS. 1 nes se Taveey Wagners, Commercial __________ 1.00 Green Onions—60c for Shalots. the near future. Undoubtedly this ets Cones to ee well and ex- Wealthy. A Grade = 1.50 Honey Dew Melons—$2.25 for Jum- will also have the effect of improving ui demand 1s buying the smaller va- Wealthy, Commercial __________ 1.10 bos and $2 for Flats ea * rieties in good volume, both from Maiden Blush e Geade 1.25 - ee cs ge dccand oc ue Coffee—The past week has brought California and Oregon. Prices both Maiden Blush Cue ; 75 f a a b - : . : ; — - ollowing basis: a further easing off in ‘both the future for domestic and foreign consumption Po L734 | ; $5.00 and spot Rio and Santos coffee mar- comune ay attracting and ue a PSE a ee 1.25 Sear hin oy a6 pa a 5.00 ket. In Brazil, where the government ‘'©4S©S 4F€ In sight, oreere possinhy a Delicious A Grade Ce 250 He : : ng 7 3 oe oe 60 seems to be fairly stable now, the few of the larger sizes which oe Heliciaus: Ce 175 - ie Ae ” oe situation is very weak because appar- 7°¥ running short. Reconditioning of ea = : co -------- Ph ; emons—To-day’s quotations are as ently no effort is now being made to the large amounts of Gres plete BES N. W. en Cc se oe 1.00 . oe : support the market. It is being per- eld up here by Federal officials, and ry . cee ie Stee aa 360 Sunkist ~------------------- $7.00 mitted to Gad the level which ihe ~ ‘ie lesser amounts of Smyrnas is go- [eee | = ero me WG Suet 7.00 eniardipis simoly wall pouesll: gue eon ee the shortage of imported R. 1. fo C sa eee a 0 360 ~ Hat 6.00 #* The whole Hae of Bin and Samia, Tt OF these varietics may be relieved Grimes Golden, A Gra . -------- 00 = 300 Red Bali, se 6.00 coffee, green and in a large way, is per- somewhat by final examination. 00 ea aia C a ------ a Limes—$1.75 per box, ; haps %c per pound lower than it was Canned Fish—Salmon is now in a aM eR e a. es oe Nuts oe Michigas Black Watnats, a week azo. Mid coficcs chow no Detter position at primary markets, (80°47 estons, C Grade ____---- . $1.50 per bu.; Hickory, $2 per bu. : general change for the week. Jobbing Owing to the large volume of pinks, Jonathans, A Grade _____-______ 2.25 _Oranges—Fancy Sunkist California market on roasted coffee is feeling the Which have been taken on by the trade Jonathans, C Grade _____--_--_- 1.25 Navels are now sold as follows: effects of the slump in green to some at exceptionally low prices. There is Kings, A Grade -~_-__------__- 2.25 126 ~--------------------------- $8.00 extent, but ‘s going down just as 2 good movement of sockeyes, also Shiawassee, A Grade ______...__ 2.00 TO 8.00 slowly as it can. Consumptive de- With attractive bargains to be had. Shiawassee, C Grade ____------- Ay 076 8.00 mand for coffee is about as usual. Salt Fish—Prices on No. 3 Norway Talman Sweets, A Grade __--__-- 2.00 200 -_-----_--________._---____- 7.50 Canned Fruits—Despite an outward mackerel advanced $2 during the week, 7 Sweets, c ae si 216 ~--------------------------- 6.75 semblance of stability, the market still with Irish No. 3s also up and smoked Wolf Rivers, foray. Rokets . EM aie 5.25 continues definitely in the hands of bloaters slightly off. The production Wolf Rivers, C Grade Th. I 5.00 the buyer, and is sufficiently dotted this year was short and buyers will Pippins, 20-oz. 3/2 in. min, ___-_- a 4.25 Pippins, © Grade _ 2.202 1.25 Floridas extra fancy are held as fol- with weak spots to keep distributors hunting for ‘bargains. Most of the sales made, that is the fairly large sales, are closer to the buyers’ terms than to the sellers’. List quotations mean very little in these times. It very often happens that price offers which brokers regard as ridicu- Icusly low are submitted to packers and accepted when flat rejections were expected. There is no trading basis to speak of at the present. The price at wh:ch merchandise goes depends on many factors, financial pressure, sur- plus, quality, etc., and prices vary as these factors vary with individual canners. . Canned Vegetables—The market is passing through its usual period of pre-holiday dullness, with practically no buying except ‘by distributors who see a chance for an exceptional lot of goods and take it on as a ‘sort of speculation. There are plenty of bar- gain lots to be thad, although most of the stronger factors are prepared to hold their merchandise until the first of the year. The uncertainty of the future is one of the chief reasons for hesitancy, and the trade apparently believes thete is nothing to lose by waiting. After the canners’ conven- tion, important happenings are expect- ed. and there will probably be a few surprises. The fear of inadequate packs this year seems to have passed. It is now pretty generally agreed that there will be plenty of all varieties of the major canned vegetables, and some surpluses. Dried Fruits—California figs are still reported as selling very well, with Calimyrnas in good demand and dis- tributors asking for prompt shipment to cover immediate needs. Stocks ap- and jobbers probably be unable to get their re- quirements within a short time. In normal years prices would be much higher than they are, but this year it will be a matter of procuring stocks rather than the price element which buyers have to consider. A good clean-up of holdings at primary mar- kets is seen this season for the first time in several years. Beans and Peas—No improvement has come in the market for dried beans. Demand is very dull and prac- tically everytning in the list is on the toboggan. One exception appears to be red kidneys, which show a slight advance for the week. Dried peas are also sluggish and neglected. Cheese—Demand for cheese is quite moderate. Prices are weak. It is a buyer’s market on account of the slow demand. Nuts—Shelled almonds are unchang- ed in Spain and French walnut shell- ers show little or no interest in Ameri- can outlets. As the end of the sea- son approaches, most crops abroad seem ito be pretty well cleaned up. Turkish filbert shellers, in fact, over- sold and had to buy back many of their contracts. Walnuts in France were short and late and priced com- paratively high as compared to other exotic walnuts. Stocks of both shelled and unshelled nuts from abroad are light on the spot and an ordinary sea- son’s ‘buying would soon clean up many items. California almonds and walnuts are moving in good quantities from the Coast, ‘but the reported in- crease in almonds has failed to ma- terialize as yet. ——_~~+»__ Radishes—25c per doz. bunches of hot house grown.. Cooking Apples, All Varieties __ .50 Bananas—6@6%c per Ib. Butter—There has been considerable fluctuations in butter since the last re- port. At the present writing there are liberal receipts and only a fair demand. Jobbers hold 1 Ib. plain wrapped prints at 33c and 65 lb. tubs at 32c for extras and 3lc for firsts. Cabbage—75c per bu. Carrots—75c per bu. Cauliflower—$2.25 per crate of 12 to 16 home grown, Celery—40@60c per bunch for home grown. Cocoanuts—80c per doz. or $6 per bag. Cranberries—Late Howes, $4 per % bbl. Cucumbers—No. 1 hot house, $1.75 per doz. Dried Beans—Michigan jobbers are quoting as follows: @. ee Bea Beans) 2. 2 ie $5.25 Eight Red) Kidney 2) 7.15 Datk Red Kidney 2.20 2.0) - 2:25 Eggs—Fine fresh are scafce and firm with advances during the week aggregating about 2c per dozen. Stor- age eggs have improved since this ad- vance in fresh, but the demand is not very good. Local jobbers pay 40c for choice, 36c for general run and 30c for pullet eggs. Cold storage operators offer their supplies on the following basis: XX candled in cartons ____-_____ 29c MM candied 2220-58 27c mceandied: 0 eo 22c CRC oc 20c Grapefruit—Extra fancy sells as fol- lows: OE ee ok eg ee ee $3.50 lows: : 22 $4.00 M6 4.00 16 4.00 WO ae 4.00 21 ea eee oe a 4.00 $0 3.75 | |e ES ae gree et 3.50 2) Ee ee 3.25 Choice are 25c per box less, Onions—Spanish: from Spain, $2.25 per cratt; home grown yellow in 100 Ib. sacks, 90c. Parsley—50c per doz. bunches. Pears—Kiefers, 75c@1.25. Peppers—Green, 50c per doz. for California, Pickling Stock—White onions, $1.25 per box. Potatoes—Home grown, $1.10 per bu.; Wisconsin, $2.25 per 100 Ib. sack; Idaho, $2.50 per 100 Ib. sack; 90c per 25 Ib. sack. Poultry—Wilson & Company pay as follows: Eiéavy fowls. 2202 ee 17c Light fowls 2.0) 13c Dueks ee 14c Geese 8 ee 12c Ube yc( oa 18c Spinach—$1.50 per bu. Squash—Hubbard, $3 per 100 Ibs. Sweet Potatoes—Indiana, $2.75 per bu. Tomatoes—90c for 6 Ib. container, hot house. Turnips—$1.25 per bu. for new. Veal Calves — Wilson & Company pay as follows: Haney 2 ae 13c Good 2 ede llc Medlin e OME ss cog 8c OBTAINING HIGHER PRICES. Legislation Designed To Give Farmer Adequate Returns. Agriculture, the big business of the United States, and pre-eminently the big business of Kansas, finds itself in the most desperate condition, actually and relatively, that it has occupied for forty years, perhaps longer. We have to go back to 1850, eighty years ago, to find a time when the pur- chasing value of a bushel of wheat was as low as it is at the present time. According to the Agricultural Situa- tion, the official publication of the United States Department of Agricul- ture, the purchasing power of all agri- cultural products at the present time is 73 per cent. of the average purchas- ing power of the same class of products in the five years from 1909 to 1914, the period which immediately preceded the beginning of the kaiser’s war. I use this term “purchasing power” because it is the real test. The dollar has a varying purchasing power, and in order to find out the actual condition of agriculture or any other business it is necessary to ascertain, not only the number of dollars received, but what can be bought with those dollars. Some of the principal items of agri- cultural products like wheat and cotton are actually lower in price; for other items the farmer receives a slightly higher price than he did in the 1909- 1914 period. Taking all items com- bined, the farmer is receiving $108 where he received $100. But on the other hand, he is paying $149 for what he has to buy as compared with $100 in that period, Taxes have increased 153 pre cent.; freight rates are up 50 per cent.; ma- chinery and building material have in- creased about 60 per cent.; cost of farm labor about 70 per cent., and so on. It is a calculation based upon these facts that determines the farmer’s income to be worth actually 73 per cent. of his income in the years before the beginning of the kaiser’s war. This is the most concise way of stating the catastrophe which is overcoming agri- culture, and which constitutes by far the most momentous problem facing the agricultural section of the United States, of which Kansas is a part. The results of these conditions are very manifest throughout the agricul- tural section. Recently the Bank Com- missioner of Kansas made public a statement showing that in the three months ending with Sept. 10, 1930, State bank deposits had declined about $9,000,000, and in three years these bank deposits have decreased $31,506,- 656. There has also been a decrease in National bank deposits in Kansas in the same period. In 1919 there were 30 per cent. of the people of the United States en- gaged in agriculture, and in that year that 30 per cent. of the people received slightly in excess of 20 per cent. of the National income. There are at the present time about 24 per cent. of the people of the country engaged in agri- culture, and this 24 per cent. receives less than 10 per cent. of the National income, and its share of the National MICHIGAN TRADESMAN income has actually and relatively de- creased. The remedies for the present intol- erable and impossible situation in agri- culture naturally divide into four parts: 1. That the American farmer be. given an American price comparable to that allowed to industry and trans- portation, through the enactment of National legislation, for that part of his crop which is consumed in this coun- try, leaving the surplus to be sold on the world market at the world price. Whether this be accomplished through the equalization fee, the deben- ture, or some other workable plan makes little difference. I am willing to subscribe to and support any plan that will accomplish the result. It will be said that this is made im- possible through tariff barriers and “antidumping” provisions in surplus consuming countries. It is hard to be- lieve that the force and power of the American Government exerted through domestic and other channels is unable to find an answer to such suggestion. The sale of the surplus on a world price level even though it be at a price different than that prevailing in this country is not “dumping.” 2. If we cannot bring the American farmer up to the economic level of the American manufacturer and the Amer- ican industrial worker, then it must follow that by some means such as a lowering of tariff barriers we must give the American farmer relief through bringing the manufacturer down to the agricultural level. This is suggested only as an alternative if we do not find affirmative relief for the American farmer. 3. Failing in either of the alterna- tives mentioned above it would become necessary for American agriculture to be restricted in production to the re- quirements of the domestic market, If it were necessary to come to this meth- od of relief, the effect upon the agri- cultural sections of the country in the way of reducing their popula:ion and business volume would be terrible to contemplate. For 100 years our Government has, as an unbroken policy, encouraged the expansion of agriculture. Approximate- ly 42 per cent. of our foreign trade is in agricultural products. To adopt this policy would at one stroke cut our foreign trade almost in half, and tre- mendously reduce the number of peo- ple engaged in agricultural production. Instead of placing agriculture on a “parity with other industries,” this so- lution would forever make agriculture definitely subordinate to industry. The agricultural sections of the United States should think long and hard be- fore agreeing to such a policy. 4. The reduction of costs through the abandonment of the family farm, which has been the distinctive hall- mark of our_ agriculture through all our National existence, and engaging in large scale production, whether car- ried on by individuals or by corpora- tions. The Chairman of the Farm Board in a recent public address as quoted through the press has said that the Iowa farmer cannot profitably raise corn on less than an 800-acre farm basis, and the wheat farmer of the West should have a production unit of from 2,000 to 3,000 acres as a minimum. It may be true that engaging in production on this scale would iower costs, but the effect upon the number of people engaged in agriculture as we have known it and as it has been a part of our economic and social his- tory through the 141 years of our ex- istence would be much the same as thought we restricted our production to domestic consumption. If such a plan of agricultural pro- duction were adopted we would have a fraction of the individual farm own- ers that now exist and a greatly ex- panded seasonal wage labor employ- ment. Such a policy would be dis- astrous to the Nation, and should not be embarked upon unless all other means have failed. Clyde M. Reed, Governor of Kansas. —_+>++___ Recent Mercantile News From Ohio. Cincinnati— Attorney Milton H. Schmitt has been appointed receiver for the American Fur Production Co., 124 East Seventh street, this city, by Judge Mack in the Common Pleas Court here. A receiver for the firm has been sought, as noted, by the Central Trust Co., which held a judg- ment of $918. Warren—Dayvid Frank, shoes and wearing apparel, has filed a voluntary petition in bankruptcy in the U. S. District Court at Cleveland, listing as- sets of $1,101 and liabilities of $3,496. Cincinnati—Charles Miller, who for years has been a shoe manufacturer in Cincinnati, a few months ago sev- ered his conaections with the ‘Miller Shoe Co. and has now formed the firm of Charles Miller & Son with a factory in the Power Building, Cincinnati. In his new factory, he will produce a line of women’s and growing girls’ Little- ways. Charles Miller is president; Irving Miller, his son, is secretary, and Jack Duval is superintendent. Portsmouth—A. C. Wyman, su- perintendent of the Vulcan Corpora- tion’s wood heel plant at Portsmouth, Ohio, has been named manager of that plant, Colonel A..L. Mercer, president, announced. Mr. Wyman, who is well known in the wood heel manufactur- ing industry, succeeds Frank Allen, who becomes general representative of Vulcan Corporation, traveling the en- tire United States. Mr. Allen will work out of the Vulcan Corporation’s general office at Portsmouth, and in his capacity as general representative will contact the trade in territories served by the various Vulcan plants. Toledo—Rose Louise Arnold, trad- ing as Arnold Mfg. Co., manufacturer of canvas goods, shop caps and sweat- ers, has filed a voluntary petition in bankruptcy in the U. S. District Court here, listing liabilities of $4,790 and assets of $1,143. Oak Harbor—The Bauch Co., the largest store in Oak MHarbor, was placed in the hands of a receiver in an action before Judge Overmeyer with Edgar Theirwechter, a son of the for- mer owner, as receiver under a bond of $10,000. The liabilities amount to approximately $232,000, of which $108,000 are in preferred claims. The ' November 26, 1930 owner of the store, Mr. Bauch, branch- ed out recently, taking over a hardware store, a ford agency and later installed a.printing plant. The business was established in 1870.by M. J. Their- wechter, the grandfather of the receiv- er and later his son, Emery, took over the business and it continued to in- crease. The business was then sold to Mr. Bauch, who was the company’s book-keeper. He sold considerable of the stock in Oak Harbor and vicinity. It is believed that the stock of mer- chandise will be valued at about $40,- 000. Cincinnati—Samuel Fershtman, re- tail genera] merchandise, 2618 Vine street, and 3102 Harvey avenue, filed a voluntary petition in bankruptcy in the U. S. District Court here, listing liabilities of $20,021 and assets of $5,- 435. New Philadelphia—Arthur S. Romig, dealer in men’s furnishings on High street, is closing out his stock and will discontinue business. Toledo—Isadore Pollock, trading as Cleveland Bargain Store, has filed a voluntary petition in bankruptcy in th> U. S. District Court here, listing liabili- ties of $4,073 and assets of $1,295. Oak Harbor—Schedules filed in the voluntary bankruptcy case of the Kramp Co., general merchandise, in U. S. District Court, at Toledo, list liabilities of $44,642, most of which is unsecured. —_—_>+ You Can’t Beat It. According to the experience of a marketman there is no medium quite equivalent to the telephone for build- ing goodwill. “For comfort, convenience, satisfac- tion, speed and economy, the telephone and service business is easily the best. From the customer’s angle it permits saving of time, profitable use of tele- phone, checkable record of purchase, placing of responsibility for dissatisfac- tion, “From the grocer’s angle it permits systematic operation, more economic operation, more uniform operation, greater dependability, greater certainty of full line family trade, extended ra- dius of operation and greater assurance of permanency.” Well, we could probably find other good reasons why the telephone and service business is a good business. Then, don’t forget that your tele- phone service business can be built up, while you are not neglecting your store cash business. One does not interfere with the other. It’s largely a matter of management. Ue Lower Shoe Prices Bring Response. Recent price reductions made by re- tail shoe chains have yielded a sub- stantial increase in demand, it is re- ported by the sales executive of one of the largest chains. While declining to give the percentage of sales in- crease, he asserted that the consumer response since the reductions were an- nounced has been particularly good. Denying that the yeductions have brought about a price war in the retail shoe field, he expressed his belief that the price revisions downward were temporary in nature. eel cence — ' ee . ae eRECR 4 November 26, 1930 Intrinsic Value of Almighty Dollar Remains the Same. “Cheap” advertising is in its hey day of glory right at this moment. The public is being urged to “buy until it hurts;” we are told there is money, loads of it, in the banks of the country. The big idea is to circulate it. So the cheap advertising flaunts its banners above the heads of the masses. There is no criticism of unloading the Na- tional surplus at a price. Over production had a major share in the present crisis, which happily, ac- cording to varied and widespread re- ports is passing. The urge to buy ap- plies not alone to the consuming pub- lic, but hits with equal force at all in- dustry. With empty shelves the re- tailer favors the salesman with orders, he makes his commissions, the jobber, wholesaler and manufacturer benefit, so it is an endless chain. “Cheap” advertising, as such, is one of the ‘basic industrial evils of the age. We have too long plunged ourselves into a seemingly determined effort to sell “downward.” Back of this de- structive tendency has been the urge for volume sales. The retailers, like the producers, seem to have been stung by the mass production bug. In the case of retailers volume sales be- ing akin to mass production in the in- dustries. To achieve volume sales, we have had,a reign of sales unparalleled in mercantile annals. There have been auction sales, gift sales, double dis- count sales, charity sales, fly-by-night sales and it is to be suspected some of the big establishments have rung in two birthday sales in one year. In Grand Rapids. a furniture store has been offering for several weeks to give free just as much furniture with a purchase, as is bought. “Buy $100 worth and take another $100 worth for nothing-’ A- new variation of the one-half off sale. What impression this makes on the buying public as to the usual proftts of the furniture trade, does not seem to figure in the pro- cedure. It would appear that folks seeing such offers would hesitate to pay legitimate prices for sterling mer- chandise hereafter. With this and various auction sales, closing out sales and ballyhoo of all kinds, the legitimate dealers faced a real problem. They are facing it to- day. That problem concentrated is: “Shall we forego our years of building to a high standard on quality mer- chandise, or shall we load ourselves down with cheap, borax junk and flim flam, like our competitors are doing?” Standard, high quality merchandise in every line, shoes, foods, hosiery, textiles, furniture, jewelry—all are “returning to normal”’—but there is a vast gap ’twixt normal and sub-normal. If reducing prices legitimately on profit margins made satisfactory and safe by concessions from the mills and factories, is carried on, there is no real danger. It is when in the scramble for shekels and volume sales, the qual- ity bars are lowered that the red flag flutters. There is an advertising lesson to all business interests in the existing situa- tion, however. In spite of the so-called unemploy- ment situation and the financial de- MICHIGAN TRADESMAN pression, the mass of effort directed via radio, newspapers and mail to boost buying, the unheard of stress of sales effort has produced results. Retail stores in many sections are working full blast, the bargain counters are surrounded by clamoring throngs who seem to have caught the infection. If this were a healthy reaction, based on truly normal values and profits, it would mean prosperity plus. Unfor- tunately, there is a margin of loss, not alone in dollars and cents, but in pres- tige and reputation, A business to function on a profit- able basis should have the merchandise graded up, not down. The units of sales and the amount of actual cash business should be increased, credit terms should be adapted to the situa- tion, terms shortened and collection rules rigidly adhered to. Above all else the reputable firms of the Nation should not be caught in the whirlpool of cheap, mawkish and flamboyant ad- vertising which distracts from the very purpose of the buy for prosperity movement. Advertising is entirely akin to hu- mans. It is feeble minded, rabid, in- Sane or logical, sane and virile, reflect- ing, as in a mirror, the forces at work within your establishment. Manufacturers are co-operating to supply legitimate merchandise at legiti- mate figures. They are assisting with many worth while advertising aids. There are manufacturers who have not foolishiy cut i:to the well-established integrity of their Nationally known lines—they have religiously refrained from passing out deflated quality, as well as deflated prices. It is directly up to the retailers to play fair; to stand four square in this regard and elimin- ate the borax and clap trap methods of publicity and sales methods. If ever in the history of American business there was a time when the better grades arid the finer items should be stressed, it is now. The intrinsic value of the Almighty Dollar remains the same. The value of the merchan- dise is there. To pander to cheapness by cheap methods is to virtually tear down and drag in the mud all of the fine ideals of good business which have gone into the foundation of our com- mercial life. The house which establishes a fair and honest range of (prices, backs this price range with merchandise which can be honestly guaranteed and injects the fullest measure of service into every transaction, as well as into every department of the business, in public contacts, is going to find, when the storm clouds blow away, that it is still a leader; while the ones who grasped at the false rainbows of cheapness will be numbered among the “also rans.” Hugh King Harris. —_++.____ Wax Models of Food Made By New Method. . The making of realistic wax models of foods requires highly specialized technique, it was stated orally at the Department of Agriculture Nov. 6. Much of this work is done in the prepa- ration of exhibits for various purposes where it is desirable to show cooked foods representing well-planned meals or certain methods of cooking, the Department said. The following additional information was furnished by the Bureau of Home Economics, which co-operates with the Office of Exhibits, Extension Service, in carrying out this work. A successful process of making the models has been developed by Mrs. Russel Roller, technical illustrator, of the Office of Exhibits, ‘by which exact replicas of cooked foods are made in wax. The work of making these reproduc- tions begins in the Bureau of Home Economics where the foods are cooked. In planning, for example, an exhibit that shows lamb as the center of a well cooked meal, different cuts of meat 7 such as a leg of lamb, stuffed shoulder, and rolled chops as well as the vege- tables that should be served, with them, are cooked as if intended for actual consumption, Plaster casts are made from _ the cooked foods, and from these the wax models are cast. Each wax reproduc- tion is painted, care being taken to copy exactly the colors and appearance of the real food.” The results are so realistic that observers frequently must be convinced that they are not looking at edtble foods. —_>+-___ Power, uninfluenced by a Higher Power, is dangerous. One of a Series of Advertisements Now Appearing in Leading Michigan Newspapers. Srooks’ CHOCOLATES ERE’S a delicious treat— for family, sweetheart or friend. A big 114-Ib. pack- age of the Best BROOKS’ Chocolates made! Fresh, too, for they're made here, at home, in Grand Rapids. A. E. BROOKS & CO. Grand Rapids, Mich. Sold by Your Leading Retailer Other BROOKS’ Choco- lates, all $1 a package, are: Valeur Bitter- sweets,. 144-Ib. Classic (hard and chewy centers, milk coated). Bo-peep (Assorted Milk Chocolates). Golden Dollar (Milk and dark Chocolates, as- sorted). Lochinvar (Chocolate coated Nuts, Fruits, Caramels, Nougats, Va- leur Bittersweets and Creams). 1% Ib. BROOKS’ Combina- tion—14 lb. Juicy Cherries and 1 lb. Splendid Assortment of other Chocolate. The extra % |b. is an added feature. El Mail Package Chocolate Sales Proposition [ ] Have Representative Call STOKELY’S Honey Pod Peas Distributed by Western Michigan Grocery Company GRAND RAPIDS, MICHIGAN At last an entire building devoted to the sale of Furniture. ! made exclusively by Grand Rapids Manufacturers. Opportun:- : ties never before offered. ' WHOLESALE and RETAIL. The Furniture Galleries of Grand Rapids, Inc 25-27 Commerce Ave., S. W., Grand Rapids, Michigan. Noreen enema: THANKSGIVING. New England: gave the day to the Nation. It originated with the devout Pilgrims, and from 1621 it outranked even Christmas as a family festival. Christmas had sacerdotal associations; Thanksgiving was their own invention, a spontaneous expression of their spirit and their aspirations. When Governor John Jay tried to establish such a day in the State of New York, as an an- nual institution, his political opponents charged him with fomenting religious prejudices. Governor Clinton was more successful, but the New York Thanks- giving did not coincide with that of New England. From New England and New York, as population trended Westward, the custom spread over the country. In 1783, Governor John Han- cock issued the first proclamation in the free state of Massachusetts, ex- pending a good deal of rhetoric in the document, and assigning Thursday, Dec. 11, as the time of observance. It was through the laborious efforts of Mrs. Sarah Josepha Hale, covering ‘twenty years, that the day came to ‘be a National institution, In the mid- dle of the year 1863 Lincoln issued a great proclamation for a National thanksgiving, and with the coming of peace there came the regular observ- ‘ance of one of the most pleasing and historically significant of all our cus- toms. It is an American institution, a family day, with a feast as its feature, an expression of good-will and of fraternity, which is what ‘the breaking of bread together has been designed to be from far back in the dim ages past. The more American the dishes 'served the better. Pumpkin pie, cran- _ to lapse. berries, turkey, potatoes, oysters, all these are peculiarly American. The foreign visitor never can know or see America until he has been in an Amer- ican home on Thanksgiving day. May the time be far off when the apart- ment house and the hotel shall rob us of this custom. The ideal would be to journey out of the city to the old homestead on the hilltop, with the hills and valleys in the distance, and there in the old room, amidst the old surroundings, to renew fellowships and recall memories too good to be allowed That would be a real New England setting for a real New Eng- land observance. The day will not vanish, no matter how urban the pop- : ulation may become. It may be kept ‘somewhat differently, amidst different surroundings, but it will endure, be- cause the spirit on which it is founded “ will endure, The idea of the day is : deep-seated in the human heart, and as ‘long as hearts beat in tune with our : historic past, they will demand that “this day be kept. » & “SILENT BUT NOT STRONG. At previous meetings of the: wool industry’ it: has ‘been remarked how ? strongly many of the individuals are * known to feel about its problems ,and how silently they pass upon the ques- tions taised at general conferences. An air of -futility attends these meetings Svamednthe-one held last week to vote on continuing the Wool Institute was no MICHIGAN TRADESMAN exception. Woolen men blow hot on many topics but very cold indeed at any meeting,’ it seems. The peculiar part of this attitude is that it does not appear to arise from a notion that the industry has very little to learn. Actually, of course, it has a great deal more to learn than a good many industries that could be mentioned, and one thing, above all, that the fundamentals of good busi- ness practice apply just as well to the manufacture of wool goods as to mak- ing candy. That these fundamentals are not so well understood in the wool industry will be admitted by its own fairminded representatives. And yet very little is done to encourage a better understand- ing of these principles. If there is dis- cussion among smaller groups, it has apparently been confined to very spe- cific details, since the industry as a whole evinces little interest in the broader (and more profitable) angles of good management. It has been very narrow and very self-centered. Hope is placed in the new program the industry adopted last week by which its group conferences will be continued. In these meetings the manufacturers of particular types of wool goods discuss their problems. Benefit no doubt will be gained from these occasions, but it is suggested that a more profitable undertaking would be to let a little knowledge of the forest creep into a consideration of the trees. MERCHANDISE ACTIVITY. Pre-holiday ease in the merchandise trades removed the main source of ac- tivity in business last week and about the only favorable development was the continued rally in the stock mar- ket. The merchandise lines at retail and wholesale wait on colder weather for real stimulation and also on the appearance of holiday shopping in volume. A little better tone to reports from the steel business is noted, but the weekly business index has eased to a new low for the depression. The in- crease in automobile output was con- tributed by an earlier start made by one of the large producers on its vol- ume car. The electric power index in- dicates another sharp decrease, coming principally, however, from the decline in the central. industrial region. Build- ing contract awards have declined in value-from. the October daily average. Attempts to gauge the course of commodity prices continue to be up- set, although the decline in The An- nalist Index last week was confined almost entirely to the farm and food product groups. Fractional advances were noted in other classifications. There is still a wide disprepancy be- tween the high and low points in a coparison of these groups. Thus, the fuel index stands at 141.8, as against 95.3 for the index of miscellaneous commodities. The index for all com- modities- stands at 117.6. So many artificial elements have crept into the general business situa- tion that it is growing more difficult as time goes on even to theorize about future developments. Due to the de- sire to hold unemployment within bounds there is part-time work, which probably prevents’ inventories from being reduced as quickly as they other- wise would be. Artificial control of prices is another unsettling influence. DRY GOODS CONDITIONS. Retail trade continued to suffer dur- ing the last week from the absence of cold weather. Fair results were at- tained by special promotions, but for larger volume retailers agree that lower temperatures such as we are getting this week are necessary. Seasonal ap- parel and accessories led in the con- sumer--buying done, and home furnish- ings also were active. Undoubtedly the emphasis placed on unemployment relief has not influenced consumer sentiment in a_ favorable way. But even if such information was not broadcast, there probably would be just as much ill effect from known‘ instances of wage and salary reduc- tions and positions lost. At least, the steps taken to reduce unemployment and suffering will relieve the situation in part. However, it is worth emphasizing that all business concerns which can reasonably give such assurances might inform employes that their positions are secure so long as_ satisfactory service is rendered. There are thou- sands of concerns in this category, and yet many of their workers are as un- certain as others concerning prospects of continued employment. Such em- ployes can scarcely be blamed for tightening up on their expenditures and thus agravating the depression. Several large retail organizations during the week reported that their sales of units this year have consistent- ly run ahead of such volume last year, In one instance a large store reported 500,000 more transactions so far this year than last. This spells progress against adverse conditions even though the added expense will cut into profits. Ways can be found to reduce expense, but regaining lost trade is conceded a more difficult problem. KEY LOG OF BUSINESS JAM. It was to be expected that the “Buy Now” movement projected in this col- umn some weeks ago would be ques- tioned and would suffer some abuse. It was pointed out then, however, that the time had come to face facts and not to offer slogans or other appeals disregarding conditions which were known to all and could not be waved aside by bland declarations all was right or soon would be right with the world. Where “Buy Now” campaigns have given the public exceptional values and have emphasized that to hold up purchases was to aggravate the situa- tion and to increase unemployment they have been successful. Where the slogan has been used merely as a trite appeal to accompany a routine offering there has been little result except a further decline in public confidence. The key log of the present business jam is undoubtedly buying resistance and buying impotency. The latter cannot be changed until earning power is restored. The former can be re- duced considerably (1) if assurances November 26, 1930 of continued employment are given wherever this is possible, and’ (2) if merchandise and other values are made as attractive as possible. Should these steps be taken ona scale even more widespread’ than at present, then holiday buying, coupled with the large sums which will be used for unemployment relief, may start trade upward for a beginning to business recovery. CHRISTMAS CLUBS. With values in so many other direc- tions slowly melting away in the face of the economic depression through which we are laboriously passing, there is one savings fund whose growth ap- parently cannot be halted. Christmas Clubs throughout the country will within the next two weeks release to their faithful depositors the huge sum of $612,000,000. This represents the weekly savings, amounting on the av- erage ‘to about a dollar a week, of 11,000,000 persons. The spread of this idea of putting away throughout the year money which can be used at Christmas has been phenomenal. Right now knowledge that a large part of this money is to enter the retail market must be re- assuring news for merchants, but the real significence of the Christmas Clubs is the impetus they give to sav- ing and habits of thrift. For many persons this year Christmas may be a time of enforced economy, but for those with the foresight to have kept up their weekly deposits there need be no diminution of the holiday cheer. Perhaps some of this money, in rec- ognition of what must have happened not only to some Christmas funds, but also to all other savings of those out of work, will find its way to the aid of the unemployed. JOIN THE RED CROSS. While the general work done by the Red Cross is meeting crises affecting life and property is quite sufficient to justify its appeal for membership, there is a particular part of its service which has a special interest at this time of economic depression. One of the heav- iest sufferers from a situation like the present is the disabled veteran. Be- cause of physical or mental handicap he is often the first to be thrown out of employment and for the same reason he is the most difficult to place in another position, especially when so many able-bodied and competent men are competing for every vacancy. The Red Cross is the only agency which handles such cases as these not siinply in an emergency but over a !ong period. More applications for help are being received from disabled veterans at the chapter of the Red Cross than at any other time since the days immediately after the kaiser’s war. The service which the Red Cross can render to these deserving men, as well as the aid it can bring to the victims of some sudden calamity, depends upon the re- sponse to its roll call. The simplest way of doing one’s bit for less for- tunate persons is to join the Red Cross. Life has been lengthened, but has it been deepened? ry = November 26, 1930 MICHIGAN TRADESMAN OUT AROUND. ——e Things Seen and Heard on a Week End Trip. At Clarksville Saturday I was greet- ed by a merchant who rentinded me of a call he made on me several years ago when the business men of that town were afraid they would be dis- criminated against in the handing out of good roads in Ionia county, due to the antipathy of Governor Groesbeck to Fred W. Green and everything he undertook to do for Ionia county. He says the information I was able to give him and his associate on that oc- casion had resulted in placing Clarks- ville on the map to a greater extent than they dared hope for. I was very happy to receive such information. The gravel road from US 16 South to Clarksville is wide, smooth and in good condition. The same is true of the road South of Clarksville to the junction of M 50. I was told the road East of town was equally attractive. My visit at Lake Odessa was attend- ed with sadness ‘because of the retire- ment of Otis Miner from the dry goods trade, thus severing a close per- sonal relation with the Miner family covering a period of forty-seven years. Mr. 'Miner’s father, H. F. Miner, con- ducted a general store at Bonanza in 1883, when I started the Tradesman. My reeords show he subscribed for the paper three days after the first issue put in an appearance, probably on the recommendation of some traveling man who covered Bonanza in those days by livery from Hastings. The elder Miner and his hospitable wife entertained the traveling men who came their way and did it so satisfac- torily that the guests always wished to come again. I was present on one occasion and shall never forget the novel entertainment furnished during the evening by such valiant traveling men as L. M. (Mills, Frank Parmenter and W. F. Blake. These monthly visitations ‘were graphically described by L. M. Mills, now a:resident of Ore- gon, in an issue of the Tradesman about a year ago. The construction of the Pere Marquette branch from Lansing to Grand Rapids and the lo- cation of a station at Lake Odessa put Bonanza out of business. The elder Miner moved to Lake Odessa and conducted a hotel for many years. Otis Miner expects to close the doors of his Lake Odessa store in about two weeks. He contemplates taking a rest for several months. I opine that he will be so uneasy by Spring that he will be inclined to dip into the mercantile business again— possibly on a smaller scale than the store he has managed for many years. Grand Ledge looked very attractive from the Western entrance to the city. My first call was on J. ‘C. Shipman, who assured me he had been a close reader of the Tradesman since 1883, _when -he was employed in the drug store of his uncle, A. J. Halsted, who was then located at Lakeside,'a suburb of Muskegon. Mr. Shipman told me that the principal industries of Grand Ledge—two sewer pipe factories, a brick yard and three furniture factories —were all running full handed. Thomas B. Ford, the well-known Grand Rapids traveling man, now a resident of Flint, was in the city over the week end. He reports that much trouble is experienced by Eastern Michigan traveling men nowadays through the activities of Detroit hold- up men. Not long ago a salesman was changing a tire beside the road on a main thoroughfare when two of the rascals drove up in a car, forced him to hold up his hands while they re- moved $20 from his pockets. They then pinioned his arms and legs and threw him in the rear seat of their car. After driving about three miles they deliberately threw him into a ditch, breaking a shoulder in the operation. When he was discovered by a passing motorist the assailants were too far away to be traced. The more I study this situation the more I am convinced that the only thing which will effectively curb the criminal practices of creatures of this ilk is the whipping post. Any person who carries a gun and undertakes to use it to intimidate men who are not armed is a natural coward who will shrink from pain and who will not en- gage in any undertaking where the whipping post looms up before him. About fifty years ago old Sweet’s Hotel (Grand Rapids) had an especial- ly bright bell hop in the person of Wm. B. Joyce. His anxiety to please the patrons of the hotel was noticed by all who came in contact with him and an assured future was predicted by those who took an interest in lads who aimed to rise above the common level. The lad just naturally drifted to New York City, working up from one posi- tion of importance to another until he became President of the National Surety Co., one of the great financial organizations of Gotham. I have never heard anything but good of that institution until last week when a Towler merchant sent me a letter, which I reproduce in Realm of ‘Rascal- ity this week, threatening the mer- chant with suit if he does not pay for the goods shipped him ‘by express without order by a house so small in size that the name does not even ap- pear in the reference books of the mercantile agencies. I do not believe Mr. Joyce would tolerate such a trans- action if it were brought to his atten- tion, so I make public mention of the matter in. this department also in the belief that some careless department head in his company will receive a calling down which he will have oc- casion to remember for a long time. I met a friend on the street the other day who appeared to be somewhat perturbed. .Jt required only a word of enquiry to produce a flood of conver- sation, which I will undertake to re- produce in part: “You know I have done business with the blank bank more than forty years. ago the manager told me my line of credit was $50,000. I approached the limit several times, but always cleaned up when some ship came in. Last year, when stock speculation looked Thirty years, so good to many people, I doubled my indebtedness, furnishing ample col- lateral to satisfy the bank officials. This year I began paring down the loan from my earnings and dividends because I did not want to sell the stocks which I had bought at the high point at the low prices now prevailing. If the bank had wanted additional se- curity and one of the officers had called on me in-a friendly way and stated that some of the directors of the bank who did not know me as well as he did felt that I should strengthen my security I would have cheerfully opened my portfolio and told him to help himself. Instead of doing this, I received a cold blooded letter from an officer of the bank, demanding ad- ditional collateral, couched in language not in keeping with the relations a banker sheculd sustain with a life-long customer and stockholder; in fact, the letter was as cold as ice and as friendly as a piece of sand paper. I called on the letter writer, brought this attention to the fact that I had reduced my loan $2,500 that week and proposed to pay down $7,000 additional before. the end of the month, but he evidently assum- ed that he could high hat me to his heart’s content because he was a banker, and I was only a stockholder and customer of the bank—one of the many who enables the bank to make much money and pay high salaries to the bank officials. Did I mildly sub- mit to such treatment at the hands of a man who should have had some conception of courtesy, diplomacy and friendship in business? I did not. I went to another thank, told the man- ager my story and asked him if he was in the habit of lording it over his customers because he thought he might have the whip hand. He as- sured me that no officer or employe of his ‘bank could be prevailed upon to assume such an attitude, that none of his associates acted on the theory that a banker is the arrogant custodian of the thought, action and conscience of his customer and that he has a divine right to set himself up as a tin god to be dealt with in a spirit of fear and trembling. J], therefore, decided to voluntarily transfer myself from a bank which evidently wanted to lead me around by the nose to a banking institution which will, I believe, deal with me as a human being, subject to the usual rules of business confidence and courtesy.” It is a mistaken idea which some men entertain that because they have reached some prominence in the bank- ing business they have a license to browbeat and intimidate other men who do not happen to tbe able to as- sume some Official title. Of course, such men never get very far in this world, because a man who takes ad- vantage of a little temporary author- ity to create and maintain hardships for others who may ‘tbe less fortunately situated ultimately finds himself utterly discredited. Twenty-five years ago Chas. M. Heald was President of the D., L. & N. and Chicago & West Michigan Railways. His office was in the Haw- kins building, just around the corner from the Tradesman office. He called me up one day and asked me to call on him immediately on a matter which concerned him solely. I accepted his invitation and was in his office within two minutes. His clerk told me he was busy with his stenographer and would see me “in a minute.” I waited thirty minutes without being called, when J returned to my office. As I entered the door I was called to the telephone by Mr. Heald’s clerk, who informed me Mr. Heald would see me now. “Tell Mr. Heald,’ I replied, “that he can see me at my office any time he calls; that I am tired of wait- ing thirty minutes to see him on a matter which does not concern me.” Mr. Heald evidently took my reply good naturedly, because he entered my office two minutes later with a smile on his face and an apology on his tongue. We have been good friends ever since. Mr. Heald’s stenographer at that time was Joseph Brewer, now bank official, trust company manager and hotel magnate. I hear a great deal these days about the annoyance and loss which have to be faced by the customers of branch banks whose loaning facilities are passed upon by headquarter banks in other cities on entirely superficial in- formation regarding the situation. Com- plaints come to me from business men who have never before found it diffi- cult to secure loans to handle their usual purchases of apples, onions, po- tatoes and other farm products. This year they are unable to obtain ade- quate accommodations, which, to some extent at least, accounts for the low prices farmers are getting for the products of their farms. Frank Wei- ton, a long-time banker, discusses this topic at some length in his contribu- tion to the anniversary edition of the Tradesman, which will be published next week. By the way, in accepting an invitation to contribute to the edition named, Mr. Welton wrote as follows: Hollywood, Calif. Nov. 9—Your letter of Oct. 3 nestled on my desk until my return to the city. Although I may not make any suggestions which will improve the Tradesman I can at least congratulate you upon rounding out forty-seven years of splendid his- tory as an editor, manager and good citizen. It might be said, also, that the Tradesman has rounded you out a bit, for you must realize that it would be quite out of the question for you to pose as a Gibson girl or even hide behind the gas pipe. So you want people to suggest what change might make the Tradesman more in- teresting? Do you expect to learn how fine gold is refined? Do you want us to tell how the lily should be paint- ed? Shall we change the periume of the rose or suggest new songs for the can’t be did. be did. So, here’s to the Tradesman And a bumper to Stowe There it lies on the desk Wherever you go It speaks from the shoulder Without favor or fear It stands for straight living Sound judgment—good cheer, Keep our name on the list As long as we're here. Frank Welton. When the fate William Judson re- tired from the banking business at Big Rapids to engage in the wholesale gro- cery business at Grand Rapids under 10 MICHIGAN TRADESMAN November 26, 1930 the style of ‘Olney, Judson & Co., he called on the late Harvey J. Hollister, then President of the Old National Bank, to arrange for a line of credit. He presented his plans and banking requirements to the veteran banker, who apparently went over matters in his mind and said: “Mr. Judson, I think we can accommodate you.” “No, you can’t,” replied Mr. Judson. “I don’t want any accommodation. All I want is what I am justly entitied to. It is just as much an accommodation to the bank to loan me money as it is for me to receive it. If you ever use that word again, in connection with my dealings with the Old Na- tional Bank, I will cease relations with you at once.” It was pretty hard for Mr. Hollister to get the well settled idea of a lifetime out of his head, but it is safe to say that Mr. Judson never heard that word again so long as he did ‘business with the Old National, which he subsequently served as a di- rector for about thirty years. Mr. Hollister made one remark in my hearing which I have never for- gotten. It was at the annual dinner he gave his friends and business as- sociates on the occasion of his fiftieth anniversary as a banker. In relating some amusing experiences which hap- pened in his long and useful career as a banker, he recalled the following: A customer of the bank called one day and shook hands with Mr. Hollister, who steeled himself for the occasion. “You needn’t put on that face to-day,” remarked the caller. “I don’t want to borrow any money to-day.” No swindle has ever been harder to cope with than the sale of cheap silverware and chinaware, crockery and glassware seconds by arrant knaves through the mediumship of coupons. I do not believe that one scheme of this kind in a thousand has been conducted along honorable lines. =The miserable creatures who under- took these exploitations—I have inter- viewed hundreds of them during the past fifty years—bore the stamp of rascality on their faces. Pinned down to brass tacks, they invariably admit- ted they were doing business along dishonest lines. It is exceedingly fortunate that Uncle Sam has put this class of rogues out of ‘business. Those merchants who have on hand any trash purchased from these crooks would do well to consign it to the junk heap with as little delay as pos- sible. E. A. Stowe. —e eo _ New Dress Lines To Help Silks. While production of Spring and re- sort silks has been stepped up ma- terially in recent weeks, there has been no corresponding increase in the demand as yet. The feeling in the trade, however, is that current com- pletion of initial resort and Spring dress lines will expand the sampling which has been done. The new dress lines, it was pointed out, have been de- signed for immediate sale, with both Spring colors and fabrics featured. A fairly good seasonal demand is noted for sheer fabrics going into the popu- lar Sunday night or restaurant type dress. The price situation in broad silks continues unsatisfactory. PUTS HIS FOOT DOWN. Uncle Sam Outlaws Silverware Crooks. No longer may the “‘silverware coupon”’ and the “‘chinaware cou- pon” and other grafters prey up- on the merchants of this and oth- er states under protection of the interstate commerce laws. The Federal Trade Commission last week ruled that such grafts are a violation of the fair trade act. Various silverware, chinaware, and radio concerns entered into stipulations with the trade com- mission to discontinue their faking and swindling. The names of the companies entering into these stipulations are not given in the government re- port. When an accused party sub- mits to a ‘‘stipulation’’ the Gov- ernment exercises forbearance, and does not publish his name. Here are the official warnings issued to the people of the United States, and especially the retail merchants, who have been the especial prey of these premium coupon fakers. These stipulations set forth what these fakers must not do: Coupons; Chinaware — Using as part of firm name words that imply association with manufac- turing china companies, when no business association exists; false- ly claiming to be conducting an advertising campaign for those manufacturers whose products are being distributed; using the word Free, when the cost of the implied gratuity is included in the price paid by the purchaser for the mer- chandise with which it is alleged to be given free of charge. Coupons; Silverware — Using the words Publicity Bureau as part of firm name, when conducting no organization having the charac- teristics associated with the term Bureau; falsely claiming to be conducting an advertising cam- paign for those manufacturers whose goods are being distribut- ed; using the word Free, when the cost of the purported gratuity is included in the price paid by the purchaser for the merchandise with which it is alleged to be given free of charge. Radios—Using the word Ad- vertising in firm name when con- ducting no advertising bureau; falsely claiming to be conducting an advertising campaign for those manufacturers whose products are being distributed; quoting ficti- tious values for products; distrib- uting a set-up consisting of a ra- dio, together with advertising lit- erature and merchandise to be given as prizes, to be used in con- ducting a lottery. Chinaware—Authorizing use of firm name, thereby implying that certain companies are conducting an advertising campaign for the company whose name is being used, when there is no actual rep- resentation; using the word Free, when the cost of the purported gratuity is included in the price paid by the purchaser for the mer- chandise with which it is alleged to be given free of charge; mis- representing rating and financial responsibilities. Woolen Robes and Blankets— Using the words Indian and Nava- jo to designate robes and blankets not hand-loomed by the Indians. The Newest Sensation by Heyboer CHOCOLATE STIX A delicious cream filled stick covered with pure chocolate made from the finest materials obtainable. Crisp, Smooth, Creamy, Firm. Splendidly Packaged for display. HOLLAND AMERICAN WAFER CO. Grand Rapids, Mich. leave her work. Give Mother an Extension Telephone for Christmas A most welcome, and inexpensive, Christmas gift which Mother surely will appreciate, is one or more conveniently located extension telephones. In the kitchen, for example, a telephone will enable Mother to place and answer calls without having to A telephone upstairs will save running down to answer calls. Mother will appreciate that conve- nience. (So will Dad on cold nights!) And, in emer- gencies, such as fire, sickness or accident, an upstairs telephone is especially useful. Extension telephones cost only 2/4 cents a day. To place an order, call or visit the Telephone Business Office. fn - ees ge alec — Sica + ee ’ a nl eh ' November 26, 1930 MICHIGAN TRADESMAN : il Another Thanksgiving Day Rolls Round. Grandville, Nov. 25—America’s first thanksgiving day was an event of something over three hundred years ago. The Pilgrim fathers were devout and they invited the Indians to par- take of their festivities. Even though America began thus early to recognize the hand of a divine Spirit in the making of nations the United States was not wholly given over to thanksgiving until after the rail splitter of Illinois came to the helm of government in 1861. It.has long been a National custom to give thanks each year for God’s mercies and care of us as a Nation which no doubt we shall need in even fuller measure as the years come and go. The gray-haired New Englander sat at his frugal board once each year with his family around him and ex- pressed in thanksgiving the fact that he and his friends still lived and en- joyed the fruits of the field. Nations who forget God and go on a wild goose chase after strange idols are apt to come to a sad finish at the last. During this fast age may it be that we as a people have strayed far to windward and need a sharp over- hauling? The human mind is very un- stable at times and the song of the amusement saloon lures to destruc- tion. To be thankful to God for bountiful harvests is one thing, but to still be thankful under adverse ‘conditions is quite another, and yet under every con- dition the divine power is still in the ascendancy and must not be slurred aside if we would be true to God and His precepts. It* is meet that the human family should at least once a year acknowl- edge its dependency on the higher power which controls the worlds with- out number that whirl through illimit- able space. We are but a small part of a great whole which thas for its guidance the ‘hand of omnipotence. Thanksgiving days were not so gen- erally observed among the pioneers as were Christmas, New Years and ithe Fourth of July. Even the 22nd of February was much more of a holiday with lumberpacks and loggers in gen- eral. Nevertheless Thanksgiving turkeys roosted high in November when the pumpkin was in its prime and good things to eat were on tap. It’s good to be good you know, and all good little boys and girls will observe Thanksgiving with a zest forgivable under the conditions. We have as a Nation been observing a day of thanksgiving after each har- vest for not much less than a century. In civil war days it was more often a day for fasting and prayer than for feasting and jollification. Harvests are not always as bountiful as could be wished yet this fact is no excuse for neglecting to give thanks for what we have since things might have been far worse. Famine in the land would be worse and that is an affliction which has never come to the United States of America as a whole in all its history. There are many afflictions which might come; for instance another war which is now being confidently pre- dicted by many intelligent Europeans. A Turk of prominence predicts an early renewal of strife, and that the United States will be drawn into the same. Such predictions should go for what they are worth and in nowise dis- turb the sleep of good American citizens. Some of the nations of Europe are mad because tthey are asked to pay a small fraction of their honest debts. What would be thought of a man who would refuse to pay monev which had been used to save him from slaughter when he was in danger of death? These growling nations are on a par with such and need not be heeded. When honesty and fair dealing leads to war then we are not blamable and shall go at it for a good purpose. It is not likely, however that these debtor nations will seek to make a bad matter worse by plunging their respective countries into the vortex of another murderous war. Be sure you are right and then go ahead. Under such conditions you may well have the heart to ask God’s blessing on your country and set aside a day of thanksgiving as we are doing this year. Pumpkin pie and turkey are good food for thanksgiving day, but if, be- cause of the straightened times, you cannot have these, then a sandwich and a glass of milk will do as well. It is not what you eat but how you eat that counts. If you masticate your food with a thankful heart then God will hear your cry of thanksgiving and see that all goes well in the future. Thanksgiving day should be observ- ed in every ‘home in the land. It is to- day a National day that we can all acknowledge. All the churches will see that the day is fittingly observed, and we shall all breathe a prayer of thanks when we face the rising sun or the clouded sky on Thanksgiving morn. The divinity that is in us is what makes for the good of the body public. We are all in the same boat gliding down the stream of time, and we have no reason to believe that we shall be favored more than our neighbors by the supreme over power that ruled at Gettysburg and overthrew the enemies of liberty and union on those three scorching July days in the long ago. A suspension of business for one day while we assemble for thanksgiving and prayer will not be out of place in the present year when reckless ex- travagance has run riot without let or hindrance. Old Timer. ——_>-.___ Senator Morrow. One of the few results of the last election that followed unbiased fore- cast with a fair degree of mathematical accuracy was the election of Dwight W. Morrow for Senator from New Jersey. There was nothing surprising in the fact of Mr. Morrow’s success, but with election figures almost every- where else at glaring odds with the predictions of both sides, Mr. Morrow’s plurality of 185,000 was about what had been expected by cool-headed observ- ers. His victory must be gratifying to citizens of all parties the country over, just as it was achieved by the support of citizens of all shades of political belief. In the first place, it means the entrance into political life, as contrast- ed with diplomatic service, of one of the ablest men who have ever ran for office in this country. And, in the sec- ond place, it is a vindication of high- class campaigning. Mr. Morrow scorn- ed the arts of the professional office- seeker and based his appeal upon a reasoned discussion—a discussion not so much of issues as of attitude. The impression he made upon his audiences was the impression not of a politician but of a statesman, In availing herself of his character and capacity and in showing due ap- preciation of his kind of campaigning, New Jersey has given herself the most distinguished member of the Senate and incidentally placed the other forty- seven states in her debt. ———__e?> >___ Too many enemies can thwart even the strongest man—or nation. Donit ask her to buy Dlindfolded “ Any woman would be suspicious if you asked her to cover up her eyes while you filled her order. Why shouldn’t she be equally suspicious if you offer her an Ammonia with a strange label—and a name she never heard of. Especially when there is an Ammonia she knows about—an Ammonia which has behind it the good name and reputation built up for half a century—an Ammonia that is nationally advertised in the leading women’s magazines. Follow the example of those progressive and successful merchants who insure the satisfaction of their customers by selling PARSONS’ HOUSEHOLD AMMONIA ONLY. Order Through Your Jobber PARSONS’ HOUSEHOLD AMMONIA Major E. Jones, Michigan Representative, 1941 W. Fort Street, Detroit, Michigan Here’s our story — and we’ve stuck to it We sell to the independent jobbers, who sell to inde- pendent grocers who sell to independent housewives who want quality without paying a premium in price. If that’s your policy, too, any really good independent jobber will be glad to take care of you. President PURITY OATS COMPANY KEOKUK, IOWA 12 MICHIGAN TRADESMAN November 26, 1930 FINANCIAL Money Conditions More Favorable Than For Thirty Years. Although stock prices have con- tinued to decline in the face of a steady improvement in credit condi- tions, the groundwork is being laid for a reversal. Cheap money never’ has failed to stimulate business activity and rising stock prices. The argument that cheap money rates reflect a low rate of business ac- tivity is answered by West & Co. by admitting that business is poor, “but times of poor business are the only times when stocks of our greatest American corporations can be obtain- ed cheaply.” Time is required for cheap money to exert its usual effect. Rates have been falling for more than a year, but only within the last few months have signs indicated the bottom had been reached. The next change may be toward higher levels. : “Just as low money rates lay the foundation for a bull, market so high rates tend to bring about conditions that result in a bear market,” the firm continues. : “Surplus funds which cannot be em- ployed for commercial purposes natur-. ally flow into securities and thus lead to rising security prices,” it says. “When trade recovers this is an ad- ditional cause for a further advance in security prices. Finally a point is reached where credit is insufficient to supply both the needs of commerce and the security market. Under such con- ditions business always obtains the preference, thus causing a halt in the stock market. “Money is one of the major forces determining the course of the stock market. The importance of this force is often overlooked and not appreciat- ed, because it is a slow working influ- ence gradually laying the foundation for the next major. move in industry and the stock market.” Money conditions are more favorable now than at any previous time this century, the firm points out, “and it is only a matter of time before this ease must tbe reflected favorably in business and the stock market.” Low levels of interest rates and loans indicate that stocks have gone into strong hands. Cautious investors who buy for cash or on conservative margin have purchased shares thrown over by weak holders. William Russell White. [Copyrighted, 1930] —_+ 2. Remain Silent When Country Needs Sober Counsel. Mr. Thomas W. Lamont’s state- ment before the Academy that we are winning through this depression dif- fers in form but recalls a famous earlier pronouncement from the house of Morgan that has come down through the years. Back in the years when men knew less than now of the elements in im- mediate control of the business swings, Junius Morgan gave his sox, J. Pier- pont, a bit of advice that Mr. J. Pier- pont Morgan passed on to the world following the panic of 1907. When J. Pierpont Morgan was still a very young man his father on a sea voyage . from England said to him: “Remem- ber, my son, that any man who is a bear on the future of this country will. go broke. There may be times when things are dark and cloudy in America, when uncertainty will cause some to distrust,, and others to think there is too much production, too much build- ing or railroads, and too much other enterprise. In such times, and at all times, remember that the growth of this vast country will take care of all.” What Junius Morgan through his canny instinct so emphatically told his son more than a half century ago has been handed down from one genera- tion to another with effect for the rea- son that its intrinsic truth impresses each new generation. Mr. Lamont very wisely recognizes that in these days of economic thought faith in the future must find its basis in something more than a blind pre- diction. We are not satisfied these days to know a man’s conclusions. We want ourselves to test the ground over which he traveled in arriving at the conclusion that we are winning through this depression. So Mr. Lamont sweeps aside a variety of abstract and theoretical ex- planations that had been offered by the economists and names six major rea- sons for the depression in business that provide the best analysis yet made of its origin. But they do more. They inspire confidence. For it takes no deep economic observation to see that the world has gone a long way toward the correction of the forces that each in its way contributed largely to the promotion of the excesses or malad- justments that upset business. When business is booming American executives generally do not hesitate to make statements regarding the future. Such statements therefore come too often when they are least needed. In times like these, when the country needs assurance from its most respect- ed leaders, we find businessmen silent. Mr. Lamont thus deserves the coun- try’s gratitude for breaking his silence by a courageous statement on business these depressed times when we have a right to expect leadership in the few qualified to lead. Paul Willard Garrett. [Copyrighted, 1930] —_>+->___ Sweeping Changes Seen in Last Six Weeks. A round $1,000,000,000 since early summer probably has been squeezed from the country’s grand total of re- ported security loans with the result that in its liquidated state the stock market is taking very little notice even of the insolvency of an important Exchange firm. That reduces security loans viewed broadly to a volume somewhere near $11,000,000,000. Roelse’s computation this summer for the Harvard Society was that such loans were then down in excess of $4,500,000,000 from the October, 1929, peak of $16,660,000,000. By those who reckoned that the year had throught simply a shift in joans from ‘tbrokerake to banking shoulders that semi-official computation came as a startling but pleasing revelation. But it left others unconvinced. There were some in whom skepticism lingered in view of the sustained high level of bank loans. Sweeping reduc- tions since summer in bank loans along with still further reductions in brokers’ loans are beginning now to convince even the skeptics that this movement toward a deflation in loans has gone far enough if indeed not too far for the best interests of business. Lumping together all reported security loans for the-country, we can count roughly $5,660,000,000 that have been squeezed out in the last year, which probably not only takes away the froth but some of the substance as well from the 1929 composition. The banks are free from debt at the regional institutions or virtually so. No further liquidation is necessary to put them in a position to meet the de- mands for legitimate loans. Indeed the difficulty is in finding profitable em- ployment for funds. The truth is that a deflation in loans resulting from a declining market leaves the banks in a dilemma. By weakening the margin of individual loans it forces the banks to ask borrowers to pay off loans at a time when the bank most needs em- ployment for its idle funds. Not too much but some encourage- ment is to be found in the sweeping changes of the banking figures for the last six weeks. Member bank loans on securities have been reduced by $557,- 000,000 and brokers’ loans by $987,- 000,000. Simultaneously commercial loans have risen $310,000,000 and in- vestments $382,000,000. It suggests improvement but the figures make the change look better perhaps than it is. GET FACTS DIRECT Let First Hand Information Rule Your Investments Petter, Curtis & Petter, Inc. offers you accurate, thorough and up-to- the minute information instantly, on any security you desire. Stocks and bonds—local, national and international—listed and un- listed. Direct wire connection with Spencer Trask & Company, mem- bers of the New York and Chicago Stock Exchanges, New York Curb Market and with branches in all leading financial centers of the world. A Capacity To Serve That Wins Everlasting Confidence — PHONE 4774 — ETTER, URTIS& ETTER Investment Bankers and Brokers Grand Rapids Muskegon he ripe safety and helpful service of the Old Kent are available 24 hours a day --to those who bank by mail. A telephone eéall -- 4355 == will start the machinery of opening an ae- eount. Thereafter, it’s easy. Try it! OLD KENT BANK Grand Rapids’ Oldest and Largest Bank AAAAAAAAAAAAAAAAAAAAAAAAAA L. A. GEISTERT & CO. Investment Securities GRAND RAPIDS— MICHIGAN 506-511 GRAND RAPIDS TRUST BUILDING Telephone 8-1201 ae, ae =a * November 26, 1930 Were it mot that the nice expansion in commercial loans represents largely purchases of bankers’ acceptances and that the expansion in investments pre- sents a strong flavoring of short ma- turities the shift might be accepted with fewer reservations regarding the extent of improvement it portrays. Paul Willard Garrett. [Copyrighted, 1930] ——_>+-___ Sharp Stock Rise Unlikely. Although signs of a gradual busi- ness recovery are more plentiful than for several weeks and many market observers look for stocks soon to dis- count the revival even though the cur- rent rally may not hold, there is no sound reason for expecting a sharp advance in common stocks. Bitter disappointments experienced by the trading public last spring and in September are likely to retard any possible rush to ‘buy shares at this time, it is contended. Forecasts sev- eral months ago of a recovery not be- fore the spring of 1931, then regarded as extreme, now seem to have been conservative, for many authorities now suggest a return of real activity may not develop before 1932. There is still a good deal of weakly held securities to be placed on the mar- ket as prices improve, Gammack & Co. indicate. “Because Wall Street call money is plentifully supplied at 2 per cent or at even lower rates,” says the firm, sug- gesting the advisability of considering the buying and selling sources, “it is not safe to assume that an unlimited supply of funds for investment in com- mon stocks is available. “Both the transactions of wealthy corporations and individuals play a big part in determining the course of the stock market, but the average indi- vidual is also a major factor in determ- ining at what price a security will sell. Predicting rising prices means predict- ing that the average individual will be more ready to buy than to sell at higher levels. This assumption is a little hard to justify. “In the first place, the current in- come of the average man and woman is not large enough to allow much sur- plus for investment. Business profits are smaller, wages have been reduced, workers %on a daily or ‘hourly pay schedule are working shorter time and bonuses and gifts are smaller than they have been for four or five years. “Undoubtedly many nervous holders of investment securities have sold them out in the last month or so and are holding cash which they will re- invest as soon as their confidence is restored,” the firm continues. “On the other hand, there are hun- dreds of thousands of owners of prop- erty in the form of securities, real es- tate and other investments whose equities have been so reduced that debts which weighed lightly at the end of the summer have become burden- some now. The volume of collateral loans held by the banks demonstrates quite clearly that the big reduction in brokers’ loans by no means frepre- sents-entirely the passing of securities from marginal to outright holders.” William ‘Russell White. [Copyrighted, 1930.] a ee pee ee eon ey MICHIGAN TRADESMAN Discrimination in Buying Favors Retail Merchandisers. Encouraged by the more cheerful atmosphere that has pervaded Wall Street in the last week, statisticians have set to work to determine the most likely industries to share in the expected business recovery. Three groups have been put forward as offering the most favorable oppor- tunitics—motors, coppers and_ stores. These groups reached their peaks and began a recession long before other groups finished their climb.. (Motors, for instance, began to slip in the spring of last year after slightly bettering their late 1928 top. Coppers reached their best levels at about the same ‘time and continued to fall until a few weeks ago, when signs of co-operation among producers changed the outlook for the industry. Store stocks set their peak late in 1928. The outlook for retail distributors is bettered by the tendency among shop- pers to select carefully where prices are most attractive and merchandisers are the first to pass along to consum- ers savings effected ‘by commodity de- clines. Sharp curtailment in production of automobiles in the last year is believed to have greatly improved the statisti- cal position of this important industry. Whether or not consumer demand will expand as rapidly as manufacturers hope remains to be seen, but signs of increased interest are reported from many sources: Price cuts may tend to reduce unit profits, although in- creased volume likely would enlarge aggregate returns and probably would be more satisfactory than curtailed operations at the previous higher prices. Even though copper producers have large stocks of the metal on hand and will be compelled to restrict produc- tion, apparently they have effected a turn in the market and will not have to go through the costly process of shutdown that marked the 1921 de- pression. Compznies engaged in manufactur- ing articles used in consumption are generally favored among economists over those producing equipment for manufacturing operations, such as ma- chinery, for plant capacities are con- sidered sufficient in most cases to take care of early requirements. Replacement demands should be sufficient by spring to cause a good demand for motor cars, many observers believe. About the same reasoning is applied to companies producing auto- mobile tires. William Russell White. [Copyrighted, 1930] ————_>- > ____ Report Drop in Giftware Orders. A sharp drop in orders for small giftwares for home decorations is re- ported in the wholesale market. Sell- ing agents attributed the condition to a corresponding decline in retail vol- ume and predict that conditions will improve with the arrival of more sea- sonable weather. A number of can- cellations on merchandise purchased for holiday sale have been received. The cancellations are said to apply chiefly to medium-price merchandise and to have come from a few small stores in the metropolitan area. 13 GRAND RAPIDS NATIONAL BANK. he Established 1860—Incorporated 1865 — Nine Community Branches GRAND RAPIDS NATIONAL COMPANY - Investment Securities Affiliated with Grand Raplds National Bank The Measure ot a Bank The ability of any banking institution is measured by its good name, its financial resources and its physical equipment. Judged by these standards we are proud of our bank. It has always been linked with the progress of its Community and its resources are more than adequate. Q GRAND RAPIDS SAVINGS BANK “The Bank Where You Feel At Home” 16 CONVENIENT OFFICES » 14 MICHIGAN TRADESMAN November 26, 1930 THREE CORNERED CONTEST English, French and Dutch. The first half of the eighteenth cen- tury worked out a very peculiar condi- tion in America and especially in Michigan. The development which followed the going to England of Radisson and Groseilliers after what ‘they called unfair treatment by the French colonial authorities because they traded with the Indians without a license were showing themselves in the gradual growing strength of the Hudson Bay Company, which was creeping from the North to cripple the French trading interests. In the French operations among themselves there was far from harmony. - The home government had the idea of coloniza- tion and talked colonies in America. On the other hand the one great enter- ‘prise upon which their whole plan was based was the fur trade. The coming into fashion of the high hat, which spread rapidly from French to Eng- lish and general European aristocracy, made a wonderful demand for beaver skins. While there were more or less beavers in other sections, they were the most plentiful and their skins were of the best quality in the region of what is now Northern- Michigan. French promoters talked colonies at home, but their interests in this sec- tion of America called for keeping the country as wild as possible. Consider- ing its day and generation, the beaver trade in America about that period was one of the greatest business enterprises in all history. In the promotion of this trade the French treated the In- dians as men and women, inter-mar- ried and in many ways adopted their customs. The Catholic church made a heroic effort for the conversion of the whole Indian people. In many places the priests arrived even ahead of the traders. Morally, however, the whole country was nearly given over to utter dis- regard of all authority in a govern- mental way. The priests did their best to stem this tide: and were nearly the only force for civilization in the whole region. Between the In contra distinction to the general French conditions the English came to America inspired with religious ideals, with the ambition to build homes in America. They had little use for the Indians, often treating them with less regard than they treated their dogs. Between these two extremes the Dutch established a settlement at Albany which took a course about midway between their neighbors on either side. This Dutch settlement soon became a veritable thorn in the flesh for neighbors on both sides. The ,. Dutch were traders from the word go. ' After their peace with the Iroquois in 1632 they made great use of those peo- ple as middlemen to make extensive in- roads upon the French trade of the Northwest. It was to prevent this trade that Cadillac was sent to Mack- inaw with a small body of troops. About that time French brandy and English rum became the leading items of trade with the Indians. The story of the fight the French priests made for the suppression of this trade was told in a previous article of this series. Cadillac fought this prohibition and was granted the right to establish De- troit, as a compromise in this fight, which he did in 1701. In the progress of this dispute with Cadillac, a very bitter feeling was developed between Cadillac‘and the Jesuit priests. Es- pecially was this true in the resent- ment of Cadillac toward Father Car- hiel, the priest he left at the old settle- ment. It was the idea of Cadillac to utterly ruin the old settlement and abandon it, developing the new settle- ment at Detroit as the old settlement was decreased. To this end he encour- aged Indians of several nations to build settlements close around and really a part of Detroit. His argument to the home country was that in so doing he would head off the Iroquois traders for the Dutch, ‘before they reached the hunting grounds. In the carrying out of this policy ‘Cadillac made every ef- fort to induce the Indians and especial- ly the Hurons at the strait, to move to Detroit. When thirty Hurons from the old settlement moved to Detroit, Cadillac wrote in triumph, speaking of the work of Farther Carheil for the old settlement: “I hope this autumn to pluck the last feather out of his wing and I am persuaded that this obstinate old priest will die in his parish without a single parishoner to bury him.” With the going of all organized au- thority life at the strait of Mackinaw became wiid in the extreme. Father Carheil made such a heroic effort as has seldom been seen anywhere, but the odds were too strong against him. In 1707 he gave up the fight and burn- ed the chapel under which rested the bones of Father Marquette, and the grave was lost for years. In spite of Cadillac’s efforts the Iro- quois succeeded in getting large quan- tities of Dutch and English goods through, selling them much cheaper than the French traders could do after they had added the expense of French government licenses. In the . 2troit trade Cadillac got in French brandy under restrictions, but controlled a half interest in the trade. Michigan had prohibition, went back to the liquor trade and sold under government con- trol in those old days. Before the same changes are made again it might be interesting to study results in those old days. About this time Mrs. Cadillac and Mrs. Tronty, wife of Cadillac’s lieuten- ant, came to Detroit, the first white women to set up homes in Michigan. In 1703 a disastrous fire burned St. Anne’s church, the priest’s house, the houses of Cadillac and Tonty and sev- eral other buildings. Shortly after this the Company of the Colony was practically disbanded and the trade was placed entirely in the hands of Cadillac, who was allow- ed 10 per cent: commission on all trade. This did not work out satisfactorily and resulted in 1710 in the overthrow of Cadillac, who was appointed Goy- ernor of Louisina in 1713. He was there four years and then returned to France, where he later died. After Father Carheil left Mackinaw things were wild indeed, but at no time did the settlement entirely go out. There were also French who lived at the two settlements on the St. Joseph river and a few at the Soo. A. Riley Crittenden. Howell, Michigan. —_—_2>¢<>—___ Squirtless Grapefruit Is Here at Last. Scientists of the Bureau of Plant and Industry, who are continually experi- menting with new and foreign fruits and vegetables, have announced the perfection of a new squirtless orange or grapefruit, called the tangelo, which is a cross between a grapefruit and a tangerine. The citrus hybrid is similar in size and color to the orange, but has a distinctive flavor and is very juicy. It is semi-tropical fruit grown in the same range as the orange. There are two kinds of tangelos, the Bureau reports. One is known as the Sampson, and the other the Thornton. The former matures decidedly late, but is very delicious if properly grown, ac- cording to the experts. Thornton has little acidity and may be eaten out of the hand as an orange, but it is better when halved and eaten in the manner of a grapefruit. These Be Our Leaders Sold only by The Blodgett-Beckley Co. Members India Tea Bureau Main Office Toledo Detroit Office and Warehouse 517 East Larned Street ——— , Cutting retail prices proportionately with wholesale would help. > If anyone steals your thunder, keep on thundering. 65,000 INVESTORS NOW OWN NORTH AMERICAN TRUST SHARES Investors who study the policies of North Amer- ican Trust Shares real- ize the outstanding ad- vantages of this largest, true, fixed, investment trust in America, Faith in its future, its safety and other im- portant features, and a completely satisfactory income, has resulted in constantly increasing sales. The October sales were about 2% times the vol- ume of October, 1929. Q AE Kusterer& Co. The Oldest Investment Banking House in Western Michigan 303-307 MicHiGAN Trust Buoe. PHONE 4267 E N Fenton Davis — Boyle Lavestment Bankers Vv Detroit Grand Ranids Chicago Brighter Tomorrows! There are fundamental im- provements already oper- ative pointing to brighter business tomorrow. As the financial horizon brightens prices of bonds and stocks advance. Consult your banker regarding unusual im- mediate opportunties. investment oa a = — November 26, 1930 SA SON OI AN MICHIGAN TRADESMAN APR PEE eR ag ae Te 15 MUTUAL FIRE INSURANCE Was This a Trick? I want to say a word in this article about one phase of fire insurance which is very often neglected. Judging by the reported cases, more suits arise out of this than out of almost any other provision of the policy. All ‘fire insurance policies provide that in case of fire notice and proofs of loss shall be delivered to the company in the way provided by the policy. Very often this isn’t done, and in many cases it isn’t done because the insured gets in touch with his local agent, who either promises to handle it but fails to do it, or by his attitude in the mat- ter puts the insured off his guard so he doesn’t do it. It is no exaggeration to say that hundreds of thousands of insurance money has been fost in this way. Remember what I have often said before—that most fire insurance com- panies will take advantage of even the smallest lapse on the part of the in- sured along this line. A few weeks ago a case like this arose between a merchant named Cocceolle and the Westchester Fire Insurance Co. Cocceolle had some stock which he had stored in a rented building. There was a fire which completely de- stroyed both building and contents. Cocceolle notified the company at once of the fire and sent it a list of the ar- ticles destroyed. All this was delivered to the local agent, who instead of notifying Cocceolle that the proofs were not in the form required by the policy, sent the papers in to the com- pany’s main office. ‘Somebody there sent them back to Cocceolle with a let- ter reading: ‘The enclosed list was for-. warded to this office by McMillen and Killnes (the local agents) and we are returning same direct to you and de- mand that you comply with the policy contract. Sagned John L. Lester, manager.” Now the way in which this letter of Lester’s is worded seems to me to be highly significant. It would have been extremely easy for Lester to tell Coc- ceolle—by his name I judge he is a foreigner—precisely what he had to do to “comply with the policy contract,” but no, Cocceolle was left to grope it out by himself. Whether the insur- ance company did this with the hope that he would bungle it and thus give the company a defense is a matter of opinion. Well, at any rate, Cocceole furnished no further proofs of loss. He did write Lester an illiterate letter which can be tortured into a suggestion that Lester tell him what he was supposed to do, but Lester never replied. The company refused to pay, and Cocceolle sued. The company de- fended on the ground that proofs of loss had not been furnished as pro- vided by the policy. The jury in the lower court gave Cocceolle a verdict for the full amount of his claim and the appeal court affirmed. The latter court. said: The question before us now is was there a waiver of ‘the proof of loss on the part of the company? There is no doubt that there was notice of loss sent to the local agents and that the com- pany was apprised of the fact and also received a list of the articles destroyed. The purpose of this list, no doubt, was to give the company information as.to the articles destroyed and might be considered by the jury as an attempt to do what the insured thought was re- quired of him under the terms of the policy. When this list was returned to him by the so-called manager of the company, there was evident reluct- ance on his part to give the exact in- formation as to what was wrong with the list. The demand that the insured should comply with the policy con- tract conveyed no particular informa- tion to the insured, who was a man of limited education, as to what was re- quired of him and his reply requested an answer which was never forthcom- ing. Fair dealing would require that the information which the plaintiff sought should have ‘been furnished. Upon receiving proofs of a loss, fur- nished by the insured, in an attempt to comply with the requirements of his policy, it is the duty of an insur- ance company to examine them, and if they be found objectionable, to re- turn them, pointing out the particular defects therein. The court therefore held that the in- surance company, by its conduct, had lost the right to demand any further proofs, or to defend on the ground that they had not ‘been furnished. And Cocceolle got his money or what was left of it after he had paid expenses. And another insurance company scheme failed, but they don’t always fail. Elton J. Buckley. —~-+.___ Common Sense Better Than Elabozcate Analyses. There is a marked difference between the optimism of a year ago and the confidence of to-day. Then encourag- ing statements were obviously based on sentiment, a sentiment springing from incorrigible hopefulness encour- aged in part by fortune in its most bounteous mood, in part by the delu- sion that nothing is really bad that is not acknowledged to be bad. Now men of the faith which stands on long experience are reminding us that the ravages of the storm should not be mistaken for omens of fresh disaster, that in the ordinary course of events change to better conditions cannot be far distant. Mr. Taylor, chairman of United States Steel, for instance, re- mained silent when steel production was still relatively high this year. His solidest words of cheer were withheld until the big corporation’s output was scarcely half full capacity and the third quarter earning statement showed that earnings had fallen to a relatively low ebb. He pretended no powers of divination. Enough for him to ob- serve that a nation of such active peo- ple as ours cannot long continue with no more iron and steel than they are now using. Common sense of this kind is better than elaborate analyses undertaken to prove or to disprove someone’s theory. It is of a piece with sensible outgivings by leaders in the automobile industry. Instead of ‘being dismayed by the poor earning state- ments now coming out, they are look- ing forward with assurance. They also profess no second sight. They cannot point to specific signs of immediate betterment. They admit they have been hard hit. But they rely on the substantial fact that replacements al- ready in sight give promise of good demand and large sales in the no dis- tant future. They rode out the storm with no misgivings because they were prepared to withstand a long battering of tempestuous seas. They find them- selves in good order to make the most of the prosperous winds that come in the wake of every such disturbance. ——__» ~~ Stripes Retain Lead in Worsteds. Stripe patterns accounted for 51 per cent. of the demand for fancy worsted suitings during October, showing no change from the previous month, ac- cording to figures issued by the ‘Wool Institute. A gain in plaids from 10 to 14 per cent. and a decline in demand for plain effects from 27 to 23 per cent. were reported. In fancy woolen suit- ings under $1.50 a yard the demand centered on plain and small weaves, with 76 per cent. of the total. Stripes declined 6 per cent. to 18. In woolens above that price the percentage of plain and small weaves showed a decline from 89 to 83 per cent. for the month, with stripe effects gaining 5 per: cent. to 14. ——_>~+._____ Underwear Price Cut Explained. Price reductions of 25 to 50 cents per dozen on boys’ and men’s heavy- weight underwear by one of the lead- ing Northern mills is said in the trade to be merely an adjustment to con- form with quotations now in effect by Southern mills. The latter recently returned to the season’s opening prices, which they had advanced some time ago on a few styles. The move by the Northern mill is to restore the normal differential which exists between the two sections, the Northern prices averaging 75 to 90 cents higher on the styles involved. Affiliated with 320 Houseman Bldg. The Michigan Retail Dry Goods Association Insuring Mercantile property and dwellings Present rate of dividend to policy holders 30% THE GRAND RAPIDS MERCHANTS MUTUAL FIRE INSURANCE COMPANY Grand Rapids, Mich. OUR FIRE INSURANCE POLICIES ARE CONCURRENT with any standard stock policies that you are buying The Ne cots BOT Less Michigan Bankers and Merchants Mutual Fire Insurance Co. of Fremont, Michigan WILLIAM N. SENF, Secretary-Treasurer °, stock companies. 444 Pine Street. Calumet THE FINNISH MUTUAL FIRE INSURANCE COMPANY Calumet, Michigan Pays the BIG PROFITS In the Fire Insurance Business TO ITS POLICY HOLDERS Has paid from 40 to 68% for 32 consecutive years, Issues Michigan Standard Policies ——at Michigan Standard rates. Accepts Mercantile and Dwelling Risks. Has more Assets and Surplus per $1000 than the largest Phone 358 16 IMPORTANT QUESTION What Can Be Done For Economical ’ Cash Buyers? Two weeks ago we made a study of a customer, ‘Mrs. Horton, who supplies her table with a very small outlay of time and effort on her part. She or- ders by phone and willingly pays the prices asked by the high-class full- service firm she patronizes. Last _ week we described the circumstances of Mrs. Allen, who, because of her husband’s small income, is saving, not of her own time and trouble, but of their money. Her great concern is to provision her household well with wholesome, nutritious, palatable food, and do it with the best possible econ- omy of the precious dollars at her dis- posal. She always pays -cash and never has goods delivered. These examples show plainly the two methods that prevail in the pur- chase of food for family use—the one where the buyer desires her own con- venience and the other where the aim is to secure the greatest value. Many households make some use of both methods. Here is a matron who generally buys cash-and-carry. But occasionally, in bad weather or when her ready. money is running low,. she telephones a service grocery and has goods sent. Among the patrons of every service establishment are those who prefer to make personal selection of certain items. These are likely to be paid for at the time and taken along. Note, too, that many full-service cus- tomers habitually take advantage of especially good bargains offered by cash-and-carry stores. A change in financial condition may occasion a change in place and method of buying. A family that has been poor and has become wealthy may want the name of dealing with the swellest store in the city. A decline in fortune may cause the reverse change. Take the case of this skillful mechanic who has earned high pay. ‘For years his monthly account was one of the largest his groceryman had. Last April this man’s employer had to cut him down to half time work. The mechanic and his wife decided not to run a bill any longer, but to pay cash and buy wherever their money would go ‘farthest. There are the two methods of buy- ing. To which should the independent grocer cater? Many readers there are who will say this is a matter not open to question, that it already is settled. For advisors of high reputation have been holding that the hope of the in- ~dependent is with the people who want the best “eats” the market affords, who do not haggle about prices, and who of course demand full service. Actual examples are cited of grocers who have achieved notable success by working up a clientele of this kind and supplying it satisfactorily for a long term of years. And surely there is no better customer than the one who buys freely and includes in her orders lib- eral amounts of the luxury foods that allow a wide margin of profit, provided that she pays her bills promptly. The advice quoted assures us that loss from poor accounts can be kept down to an almost negligibly small percentage. Some doubt whether this could be MICHIGAN done during a long period of depres- sion. We cannot now take up either phase of the matter, for the aim of this article is not to discuss the merits and demerits of the credit system. Instead, its purpose is to bring out some facts and ask some questions that may aid those who are trying to solve the problem. What is it best to do for the people who don’t want credit? That many dealers are think- ing hard about this is evidenced by the strong tendency shown in some quar- ters to change from full service to cash-and-carry. ‘What follows is not to ‘be taken as advising either for or against this change. Made discreetly and with due preparation, it may be highly beneficial in many cases; but there are conditions under which it might be disastrous in the extreme. So many circumstances have a bearing on the problem stated, that its correct solution is not the simple matter it may appear. Almost everywhere there are fam- ilies that are not poverty poor, they are not down and out, most of them own some property, but their incomes are too small to cover their reasonable desires. The mothers in many of these homes cannot well go out and earn. ‘The only way they can help with the finances is to use the utmost economy in spending what their bread- winners bring in. Many of these women are models of thrift and always pay as they go. They simply won’t buy on account, having learned that so doing is a constant temptation to get things too expensive for their pocketbooks. Then, too, as compared with credit, cash buying af- fords far better opportunity to shop round and secure the cream of all the good bargains. They know also that full service necessarily means not only fewer bargains than cash-and-carry, but higher prices as the usual thing. A penny more and from that up to several pennies more on almost every one of the many, many items required to supply a table—these trivial amounts count up. Perhaps some reader has been hold- ing these housewives in contempt, calling them, in his mind, tight-wads and penny-pinchers. Could he realize how hard they work for the well- being of their families, he would eat a big piece of humble pie and say to himself, “Who am I to look with scorn on honest souls doing their duty according to their best light, and who are no more anxious to get the fullest worth of their money in purchasing for their pantries than I am in pur- chasing for my store?” Some women in good circumstances always pay cash, perhaps from a strain of Scotch or an ingrained habit of sav- ing. ‘By reason of their well-to-do patrons, there are strictly cash food stores that have a fine business in high class stuff. As a rule the cash buyer, even though wealthy, is far more watchful of values than the credit customer. Did any merchant imagine that the agitation against the chains would transform these frugal -matrons— either those with small or those with ample means—into free buyers with a lofty disregard of cost? If so he was due for a hard jolt of disillusionment. TRADESMAN November 26, 1930 OMEN DEMAND THIS QUICK SETTING DESSERT.. Through national magazine advertising Standard Brands is telling housewives that ROYAL QUICK SETTING GELATIN sets in about half the usual time. Thou- sands of women are now asking their grocers for it. Get your share of this business. Order from your Standard Brands man. He comes to you twice a week. ROYAL 5 BIG REASONS Why You Should Push STANDARD BRANDS Products 1—Prompt Service and frequent deliveries. 2—Small stocks properly regulated and small in- vestments, 3—Quick Turnover and Quick Profits. 4—A reputation of fresh- ness with every product. 5—Nation-wide advertising. QUICK SETTING GELATIN DESSERT means quick turn- over and quick profits! Distributed by Standard Brands Incorporated ROYAL Quick Setting GELATIN DESSERT ASTERPIECES _ OF THE BAKERS ART tenes November 26, 1930 MICHIGAN TRADESMAN 17 They cannot be switched over into be- ing full-service customers. Those of limited income cannot be persuaded to purchase largely of the choicest cuts of meat, out-of-season fruits and vege- tables, or other luxury foods. They want mainly staple articles of good standard, but not fancy grade. _ The economical cash buyer spends considerably less than the full-service customer in provisioning a family of the same number. But even so, her trade is not to be despised. The out- lay for food is by all odds the largest item in the budget of the household of modest means, and the one least re- duced when retrenchment becomes imperative. What is spent ‘by all the cash buyers forms a highly important factor in the retail food business, and indeed aggregates a staggering sum. What is it but money from cash cus- tomers that gives to the chains their ‘boasted buying power? The independ- ents need buying power. Can they di- vert a share of the money now going to the chains into their cash registers, thus increasing their buying power and lessening ‘that of the chains? Many independents feature full ser- vice of a high order. This is all right for gaining and holding customers who can consult convenience. But there are the other people whose favor cannot be secured by liberal credit nor by frequent deliveries, nor, to any great extent, by tempting offerings of novel and luxurious foods; for what these other people want is low cash- and-carry prices on such goods as they can afford to use. If the chains sell for less than the independents, they~ buy at the chains. Agitation against the chains has ac- complished this: many economical women would prefer to purchase at home-owned stores. They don’t feel right not to be doing so. But they deem it their duty to buy where they can do the best. It all narrows to the question of cost. There appears no way to gain the patronage of the economical cash buy- ers but to meet the chains in out-and- out price-and-value competition. This is a stiff proposition, for they pay less for their goods. How can the inde- pendent offset this advantage held by the chains? Some say, “By co-operative buying.” This, at its best, offers, if not com- plete counterbalance, a measure of re- lief that is at least worth considering. Here’s hoping that every reader who belongs to a buying organization, finds himself joined up with one that is excellent and not with one of the other kind! By being right on the spot, there are economies the independent can practice and turns of good manage- ment he can make, that are not avail- able to the absentee-directed chain store. If he is of the right sort, the pull and push of his own personality, applied to the ‘business that is his very own, are a powerful means of ac- complishing his ends. In the Tradesman of Sept. 24, William H. Piel, who does a large business in Belvidere, Ill, is quoted as saying, “Even if an independent grocer cannot buy at quite the figure the chains can, if he can sell more merchandise than they do, he can meet them on price.” May this idea‘ be “ used so as to turn to account the pref- erence of the economical cash buyers? Say one of these women wants a pack- age of breakfast food. sheer waste of breath to try to per- suade her to buy of an independent, if some nearby chain is selling it for two cents less. But at even prices, wouldn’t she be glad to purchase not only this one item now, but all the goods she wants all the time, at home- owned stores? The crux of the mat- ter is just this: Can the independent food dealer so arrange his overhead that he can sell at prices low enough to get his full share of this cash busi- ness, and that these low prices will yield him a fairly satisfactory return for his exertions and investment? The question comes up, Can the same store cater to those who want to pay down and also to those who de- sire credit and delivery? Would it be feasible to have two prices on every item, one for full service, and the other, lower, for cash-and-carry? Or would this cause dissatisfaction on the part of full-service patrons? Some mer- chants allow a certain per cent. dis- count on cash-and-carry purchases. This is simpler for the dealer, and perhaps less obnoxious to fullservice customers, but not so appealing to the cash buyers. Ella M. Rogers. —_+++__ More Care in Addressing Parcel Post Urged. The public is requested by the Post Office Department to place the name and address of the addressee only on one side of a mailed parcel, since con- fusion often arises when this is done on two or more sides of the parcel, according to a statement from the Third Assistant Postmaster General, Frederic A. Tilton, Nov. 17. Mr. Til- ton’s statement follows in full text. Attention is again called to the con- fusion arising from the practice of some mailers who place the names and address of the addressee, either with or without the sender’s return card, on two or more sides of parcels. While this is done in the apparent belief that it is desirable, as a matter of fact, the practice does far more harm than good, since it results in con- fusion and delay in ascertaining wheth- €r proper postage has been prepaid, the parcels sometimes being rated with postage due before it is discovered that the postage stamps are affixed to some other side. Furthermore, when parcels bearing an address on more than one side are sent as special handling, special deliv- ery, insured, or C. O. D. mail and the endorsements showing that such spec- ial services are to be accorded the par- cels are not placed on all sides bear- ing the address, the endorsements are liable to be overlooked and the par- cels do not receive the special treat- ment intended. When the mailers make a practice of placing the address on more than one side of a parcel they should be advised of these objections and requested to discontinue the practice. It is believed that they will be glad to have their at- tention called to the matter, since it is to the mutual advantage of themselves and the postal service. It would be CIGARS The Christmas flood of consumer buying of Cigars is near at hand. Our lines will please the most exacting smoker. We offer quality and variety. We are prepared to serve you with popular brands: Websters Websterettes Cincos Garcia Grandes Perfecto Garcias Muriels King Edwards Bouquet de Paris Partagas LEE & CADY 18 DRY GOODS Michigan Retail Dry Goods Association. President—J. B. Mills, Detroit. First Vice-President—Geo. E. Martin, Benton Harbor. Second Vice-President—J. T. Milliken, Traverse City. . Secretary-Treasurer—Thomas Pitketh- ly, Flint. : Manager—Jason E.-Hammond, Lansing. -- Muslin Much Worn Frocks. in Youthful Dress consciousness, they say, be-_ gins early in a woman’s life. Certainly girls just emerging from babyhood show signs of it and it is not long be- fore they give every sign of becoming style conscious. Mothers used to be the creators of styles for their off- spring, and the clothes expressed her taste, which was a law unto itself. Nowadays clothes for children, be- ginning with babies, are done by de- signers who devote themselves to their requirements, with a nice attention to individual types. The present styles for children of all ages are simple, with emphasis on suitability. Gone are the fripperies and fussiness and the well-dressed child to-day gives the impression of excellent: taste, common sense and comfort. Silks and elaboration have gone before the vogue of cottons and linens; and we have plain hems and little trimming other than a bit of needlework, small tucks, shirring, fagoting, hemstitching, smocking, em- broidery or perhaps a bit of lace dis- creetly used. Even party frocks are made of muslin of one sort and an- ‘other. In the variety of outfits shown in the shops, the largest number seem to be made for little girls from 2 to 6 years old—a period of much activity which requires many changes. To begin the day there are dresses of fine cambric, chambray, pin-check and _hair-line dimity, and linen, all washable. The old-fashioned child wore white more than color, but this year many pastel shades are used in all materials. No question of skirt length agitated the designers. The little frocks are worn so short that a one-piece that hangs full from the shoulders is the practical model—but it is handled with yokes, and collars and needlework, in such a manner as to avoid the look of a Mother Hubbard. Sleeves are long, half length or short, most often gath- ered full and drawn in at the bottom to give freedom of movement. Up-to-date play suits that take the place of rompers have shorts that but- ton to little waists. They are made of durable tub-fast cottons and linens, printed and in plain colors, and are intended for little boys, but are copied for girls. Amusing little brother and sister suits are made in the same ma- terial and color, and twin frocks for little girls are of the same material and model, but varied by reversing the - color scheme or manner of trimming. Polka-dotted muslins, handkerchief linen, novelty voile and dotted Swiss in pretty colors, are used for frocks that are a bit dressier. The straight-from-the-shoulder mod- el carries up to 4 years; sometimes to 6, if the child is “small for her age,” but usually the four-year size develops belts, stitched bands, piping or other trimming. The materials are likely to be the same and there is opportunity MICHIGAN TRADESMAN for lighter touches and color combina- tions. Short sleeves are just tiny puffs and frocks without sleeves are tied on the shoulder with ribbon to match the dot in a muslin or to harmonize with the dress. Coats are cut straight and roomy, most often double-breasted, of soft woolens in quiet colors, scarlet or white; and there are adorable little bunny coats of white rabbit. A coat, bonnet faced and tied with pale blue ribbon and a diminutive muff all of white lapin make a fetching midwinter ensemble. It is in the periods from 6 to 8 and from 10 to 12 when children grow like weeds that dress problems really be- gin. Legs that grow long so fast and pounds that are lost in healthy activi- ties are to be reckoned with in the ef- fort to clothe little figures becomingly. It is for such as these that the light- weight woolens that women are wear- ing are a happy solution. Little jumper frocks for school and everyday wear are made of tweeds, cashmere and twills, most of them in dark colors. Jackets are made for the trotteur suits; double-breasted cardigans and boleros, in plain brown, blue or green, usually to be worn with a pleated skirt of plaid woolen. +>____ Not selfishness, but altruism; not special privilege, but public welfare; not power for the few, but service for the many, must be the principles by which America rebuilds the shat- tered economic program of the de- cade.—Rabbi Louis I. Newman. er > > November 26, 1930 MICHIGAN TRADESMAN 19 SHOE MARKET Michigan Retail Shoe Dealers Association. President—Elwyn Pond, Flint. Vice-President—J. E. Wilson, Detroit sSecretary—Joe H. Burton, Lansing. Asst. Sec’y-Treas.—O. R. Jenkins. Association Business Office, 907 Trans- portation Bldg., Detroit. Why Arch Trouble Has Increased. Any shoe man of the old school who will calmly think back over the past twenty or twenty-five years will agree with me that the particular foot trouble that we know as fallen or pro- nated arch has increased steadily in just about the ratio that we have im- proved our streets and highways and added style and beauty to footwear. Improved streets have been a con- siderable factor in the development of style and beauty in shoes, particularly in shoes for women. It would be hard to conceive of the delicate colors and lightness of modern shoes on the old dirt walks or uneven brick pavements. We would no more want to go back to the old drab shoes than we would want to return to mud roads. And there is no reason why we should. The reason foot troubles have multiplied is not because of the use of these stylish, light weight shoes, but because of the abuse of them. The muscles of the body need exer- cise and rest. Too much rest lessens their power and too much exercise un- der wrong conditions strains them be- yond their capacity. Muscles will also accommodate themselves to a shorter pull. If the heel is propped up in an unnatural manner, the muscles of the leg appar- ently shorten. A woman who is ac- customed to wearing very high-heeled shoes will tell you she cannot wear low-heeled bedroom slippers or walk barefoot without discomfort. The muscles of the leg have become accus- tomed to the shorter pull and when she drops her heel flat on the ground there is a protest which manifests itself in soreness in the calf and back of the knee. I hope you have followed my sug- gestion of last week and have been checking up on me so far as we have gone. I hope you will continue to do so as I point out what I believe to be the outstanding faults of footwear from the health standpoint. I have thought these things out for myself and if I can induce you to do the same I will have accomplished all I set out to do. Children’s shoes are far better made and, in the main, better fitted now than they ever were, but in the effort to improve them it is my opinion, in the light of what I have pointed out about the mechanics of the feet, that they have gone too far in at least two directions. * Beginning with the baby. There is too much emphasis on the fore part of the shoe. Remember, the weight bear- ing half of the foot is the rear half. Baby’s shoes are made with very wide toes, which is right, but they are cut away entirely too much at the heel. Another thing is the exaggerated swing. I have seen a number of shoes for infants of late that are absolutely crooked. The baby’s foot is not. The same thing applies to shoes for the growing boy and girl. I would say that the two main causes of weak feet in growing children is the crooked shoe, which makes it impossible for the hinges at the knee, ankle and ball to work in unison, in a straight line, and which piles the toes together by binding on the outer side, no matter how wide the toes may be. Moreover, shoes are fitted too short and too wide. The same causes apply largely to men’s shoes. I have said before that most men wear shoes that are too short. I am not referring to the men who go to the highest class store and have the benefit of the most expert fitting. It is not they who are troubled so much with bad feet. I am referring to men in the mass. Since making that statement in an earlier article I have taken the trouble to look care- fully at the feet of several hundred men on the street. 1 found short shoes even more prevalent than I had thought. Then I went into a shoe store where I was not known and ask- ed to be fitted. The salesman looked into my shog for the size, but it was a special order pair, with the size not marked. Then he measured my foot and brought me a pair of shoes a size too short. When I told him they were not comfortable, he brought me a ‘wider pair. I had to insist on a pair of the right length. After they were fitted he agreed with me that the longer and narrower pair were better. This was in a good men’s store. There are other faults in men’s lasts that are too involved to go into here except to again mention the extreme swing last I have before referred to. Pointed toes are another cause of all kinds of foot trouble for both men and women. When the toes are forced to- gether it is not only the toes that suf- fer. The hinged joint at the ball can- not function, the walk is forced more or less off the side of the toes and an added strain is thrown on the muscles that support the inner arch. Excessively high heels are responsi- ble for a lot of the foot troubles of women. The heel is propped up in an unnatural position and as the heels get higher the base gets smaller, so that in the extreme two and a half inch heeled shoe the effect is about like standing the Chrysler building on its apex. The lifting of the heel plunges the weight forward onto the ball of the foot and the narrow-base causes an added strain on the inner arch of the foot. The abuse of this type of shoe makes it even worse. It is utterly un- fitted for the woman who must stand all day. There is a constant drag on every muscle in her legs and back. The increased use of turned sole shoes by women is another factor, not because the turned shoe is wrong but because it is so often used when con- ditions require a firmer shoe which will not permit the foot to wobble. A few weeks ago I met a party of eighteen or twenty girl hikers. Some of them had on shorts, some knickers. Three or four had on low heeled sandals, but nearly all of them were wearing turn soled shoes, some of them with quite high heels. Shoes that are too narrow on the bottom will seriously interfere with the action of the feet. I wonder what a worm’s eye view of the foot in such a shoe would look like. You can imagine that the foot would be ex- tended over the edge of the sole and that every part of the sole of the foot would be crushed, free action impos- sible, ‘blood vessels restricted and nerves bruised. Perhaps you are wondering why I have had little to say about the most common of foot complaints, namely, corns and callouses. I have referred to them in passing but I have not said much about them because, in the first place, if you understand the needs of the feet and fit shoes accordingly, those things will automatically take care of themselves and, secondly, because peo- ple seem to take them as a necessary evil and will go on wearing shoes that make corns, just as they will continue eating rich food that they know will give them indigestion. And finally, be- cause corns, callosities and bunions are outside of your vocation anyhow. All you can do is to try to fit shoes as comfortable as possible. For anything beyond that send them to a chiropo- dist. That is his business. Now, what are we going to do about it? Well, much has already been done. Next time I am going to present the ideas of various makers of health foot- wear.—Hugh Thompson in Boot and Shoe Recorder. ——_>~+~>___ Prized and Appreciated. The Diamond Drill, published at Crystal Falls, has this to say about the Tradesman last week: Michigan has a publication that is to the business interests of the State what the modern community paper is to the community. I refer to the Michigan Tradesman, that business periodical that is so prized and appre- ciated by the retail trade of the State. Its venerable editor, E. A. Stowe, has so woven himself into the lives of small and large business of Michigan that his publication has become a part and parcel of them. Last week. Mr. Stowe told his readers something on this “community relation’ that thas grown up between the people and the papers that have set out to serve them as a neighborhood project. The builders of great business en- terprises in news and advertising dis- pensing may with justice feel proud of their accomplishments, but I doubt if -any of them have had a more highly prized tribute paid them than “Mr. Stowe pays to the community papers he enumerates in this connection, +++ Oppose Lower Wire Cloth Rate. Plans for opposing any reduction in the tariff on wire cloth used in the manufacture of paper were discussed at the Hotel Biltmore last week by members of the Wire Cloth Manufac- turers’ Association. Duties on wire cloth, it was pointed out, range from 25 to 50 per cent. ad valorem, and do- mestic manufacturers feel that in many cases the protection afforded is inade- quate. An application for reduction in the rates is scheduled for hearing be- fore the Tariff Commission Dec. 9. A. E. Cabble of the William Cabble Ex- celsior Wire Manufacturing Company of Brooklyn presided at yesterday’s meeting. Discussing business condi- tions, those at the meeting admitted that the trade is quiet, but predicted an early improvement, —_2+.___ O. J. Plamondon, dealer in general merchandise at Lake Leelanau, renews his subscription to the Tradesman and writes: “Your paper I believe is the best reading matter for the merchant.” MicuiGANn SHor Degaters MUTUAL FIRE INSURANCE CO. MUTUAL PROGRESS CASH ASSETS Fete Pt eee [oor Wa ae $ Joe 151,393.18 ee 241,320.66 Meanwhile, we have paid back to our Policy Holders, in Unabsorbed Premiums, $425,396.21 for Information write to L. H. BAKER, Secretary-Treasurer LANSING, MICHIGAN 460.29 7,191.96 85,712.11 RETAIL GROCER Retail Grocers and Meat Dealers Associa- tion of Michigan. President — Gerritt VanderHooning, Grand, Rapids. First Vice-Bresident—William Schultz, Ann Arbor. Second Vice-President—Paul Schmidt, Lansing. Secretary — Herman Hanson, Grand Rapids. Treasurer—O. H. Bailey, Sr., Lansing. Directors — Ole Peterson, Muskegon; Frank Marxer, Saginaw; Leigh Thomas, Ann Arbor; M. C. Goossen, Lansing; R. J. LaBarge, Pontiac. Story of Certain Aspects: of Personal Credit. One who has made a really remark- able success of the general merchan- dise business writes: "“T have always refrained from con- sidering my charge accounts in any Statement of my affairs. My practice is to include receipts among the cash sales of the day because it has always appeared to me that a sale is not com- pleted until the money is paid over, hence to include open accounts in a financial statement is misleading.” This line of reasoning has the merit of being conservative, but it does not do justice to this business because the merchant’s record shows a high aver- age of success as a collector. So let me try to clarify the argument some- what. Let us differentiate in the be- ginning between practical daily ac- counting and the rendering of a state- ment of condition of business. In any small business where sales range, say, not over $125,000 a year, the simplest account system not only is convenient and economical, but covers all practical needs. It was our practice in Findlay’s to regard our ac- counts outstanding as stock on hand. Their total was merchandise still on our shelves, so far as accounting went. Cash sales and all receipts on account were rung up as cash sales. In the first days of any month, therefore, our sales records 'were big, regardless of whether business was brisk or slow. Later our sales record showed dwindling receipts, even though we might have been extra busy. This practice simplified book-keeping. So long as a merchant is able to keep watch of his accounts and check up their total—as he can do readily with any adding machine—there is no real use in carrying a general ledger account with accounts outstanding. It only adds to the daily labor, is not informative and is seldom exactly re- flective of actual conditions. At inventory time it is easy to ascer- tain the total of accounts and stock on hand, so the merchant may know just where the stands and the exact character of his assets. But to omit book accounts in mak- ing up a financial statement is un- sound unless—which is certainly not the case here—they are worthless. Book accounts should be regarded in the light of experience. If we have a record of collecting a high percent- age of our bills, we are justified in as- suming what we have outstanding is worth that percentage. One must pro- perly be exceedingly conservative in making his estimates, else the fools himself, and that is the most danger- ous thing any man can do. Conscious of this fact and having had years of experience with personal accounts, we were pretty drastic in MICHIGAN TRADESMAN Findlay’s. Any time I wanted to know on what I could really rely, I used to go through the system I used at inventory time. That was to go over the bills in detail, listing them on the basis of what I felt absolutely certain I could get out of them. The general classification ran thus: In three columns I listed the values. Virst column figures were those I felt good for 100 pe rcent. of their face. Second column held those about whom I might have some slight question or liability to dispute as to total. Third column held the doubtful ones. What accounts were worth was ob- tained by taking first column at face, second column at 50 per cent. and wip- ing out third column. Then from the total thus obtained, I deducted a blan- ket 10 per cent. The net result I was sure about. That this was sound reasoning was completely proved as time went on, because not only in current business but at the wind-up of the store, ac- counts produced more than I - ever calculated. But there is another obviously great advantage about such procedure. That is that an extender of credit becomes about as hard boiled and cool headed as it is possible for one to be. He watches that no account is started which does not have a good record be- hind it. He watches his bills to see that all accounts are kept good. He stops an account the minute it shows signs of weakness—taking a small loss at once rather than a big one later on. He finds it no trick at all to say no. There is one more important angle to this extension of accounts; and this has to do with the merchant’s psy- chology, so he should study it well. It 1s, in fact, not sound to regard a sale as incomplete until the money is ob- tained for the goods. For in truth, the merchant who extends credit does not one thing but two things. First, as a merchant, he sells the goods. Next, as a credit man, he ex- tends credit. As a credit man he col- lects or fails to collect. Hence, as merchant, he has fulfilled his entire function with the purchase and sale of the goods. Then, as credit man, he takes on the different function of an investor in the character and integrity of the purchaser of the goods. If he is a good investor in individual credit, he wins out. If not, he fails. Is there here a distinction without a difference? ‘No, because to regard those two functions separately will lead any thoughtful man to consider carefully whether he cares to invest money in any given customer. Let him think of it as money, because in - theory the money came in when he sold the goods; and by extending credit for payment of those goods, he has in effect loaned the customer the wherewithal to buy the goods. Thus he is a credit man, a purchaser of in- dividual integrity—putting money be- hind his judgment. Such a thought is apt to make any man careful. In this capacity no man can be too careful. Yet all of this must not be interpreted as disparagement of the credit busi- ness as such. I am an advocate of the consistent extension of any retailer’s credit trade, always on sound lines. For I know—as I have told in detail many times—that good credit is the best business any many can enjoy. Here follows a story of certain as- pects of personal credit. This hap- pens to come from Canada, but could November 26, 1930 be thought of profitably anywhere. My friend writes: “While in Canada we have an al- most impregnable banking system. When it comes to discussion of one’s affairs with one’s banker, you have it (Continued on page 31) DROPS Your Customers Want Them Order Now. NATIONAL CANDY, Co., INC.. PUTNAM FACTORY GRranb RAPIDS, MICH. Always Sell Rowena Yes Ma’am Graham Rowena Golden G. Meal LILY WHITE FLOUR “*The Flour the best cooks use.”’ Also our high quality specialties Rowena Pancake Flour Rowena Buckwheat Compound Rowena Whole Wheat Flour Satisfaction guaranteed or money refunded. VALLEY CITY MILLING CO. Grand Rapids, Mich. In More Homes Everyday AOagLSOM America’s finest Bread \ SANCTUM BAKORIUM \ q NEWS Such popularity can only be achieved by unchanging qual- ity, efficient service, and fair prices — all of them typical Holsum sales arguments. ae Call Phones 939 Seem 0m emn cane ce oem cee 0,% MR. GROCERY MAN! BRAAK’S HOMELIKE COOKIES For a quick turnover let us supply you from our 25 varieties. Established 1904 2, oe ARE YOU SELLING Spring Lake, Michigan We deliver within a radius of 100 miles. GRAND RAPIDS PAPER Box Co. Manufacturers of SET UP and FOLDING PAPER BOXES SPECIAL DIE CUTTING AND MOUNTING G R AN D R A.P I DS, Mi C HIGAN ] ys ’ November 26, 1930 MICHIGAN TRADESMAN 21 MEAT DEALER Michigan State Association of Retail Meat Merchants. President—Frank Cornell, Grand Rapids Vice-Pres.—E ¥Y. Abbott, Flint. Secretary—E. J. La Rose, Detroit. Treasurer—Pius Goedecke, Detroit. Next meeting will be held in Grand Rapids, date not decided. Individual Retailer Has One Big Advantage. A noted business counsellor recently said that he considered the job of the individual retail merchant the hardest of any task in the field of distribution. The small store, he said, is confronted with practically all of the problems which confront the largest distribution units, and is unable to employ skilled employes to manage all of the various phases of the business. retailer must be his own accountant, credit manager, personne] executive, advertising manager, contact man, and in some cases, clerk and janitor. There is no gainsaying the fact that the individual retailer is confronted with a tremendously difficult task. If he is unable to perform the functions of any one of his many jobs, his en- tire operations may reflect the condi- tion in losses instead of profits. The individual retail dealer does have one advantage, as compared with the managers of more elaborate mer- chandising units, which is sometimes overlooked. Since he is in fairly di- rect contact with his trade, he fre- quently is in a position to recognize or amticipate trends in his business quicker than his larger competitor. If he keeps closely in touch with the cus- tomers who patronize him, he should be in a position to meet their changing demands as they change. Any business catering to the public is of necessity the servant of that pub- lic. Stores which set their own stand- ards and adhere to them strictly with- out giving proper consideration to the customer soon find that the customer is in the habit of having his wishes ad- hered to. Up-to-the-minute retailers have long since found that it is easier to follow consumer preference and to attempt to anticipate it than it is to try to dictate it. Inefficiency, because it is a word which can cover such a large number of merchandising faults, is so often given as the abstract reason for busi- ness failures that its meaning is fre- quently obscured. What are the prime reasons why a retail store finds itself unable to meet its obligations, while across the street a chain store or an- other individual retailer flourishes? As we break down the meaning of the word “inefficiency” into its component parts, we soon find that the reasons fall within a very few main classes. Lack of accurate knowledge of op- erating costs is possibly the worst enemy of the retailer of foods. Unless the dealer has an accounting system of some kind, he is in no position to know whether he is making or losing money on his sales. A simple account- ing system which will show retailers what percentage they must make to take care of their overhead and leave a reasonable net profit would reduce substantially the number of stores which are forced to close each year. Through the efforts of retail as- sociations, with the co-operation of the Department of Commerce and other The individual © organizations, the opportunities have been given to the retailer during re- cent years to learn many good mer- chandising methods. The men who have failed to keep up with the times have seen their business slip to more progressive merchants. Many have heeded this trend in time to save their own business. There can be no doubt that the average individual store own- er is a far better merchant to-day than his predecessor of twenty years ago. The appearance of the retail food store is of great importance in attract- ing customers. However, appearance will not hold a customer. Having caught the customer’s favorable atten- tion, the physical characteristics of a food outlet yield in importance to the service which the dealer gives and the prices which he charges. If his clerks are courteous, if he lives up to the promises which he makes to his trade, and if he does not misrepresent his goods, he should tbe able to retain the patronage of a large proportion of the people whom the attractiveness of his store may bring in. Competition and a public which is rapidly growing more discriminating have written the words on the wall for the retailer who fails to follow modern trends of merchandising. The prog- ressive merchant, obedient to consum- er demand, as it is evidenced by the customers who purchase his goods, and continually watchful of the con- duct of his business, should be able to look forward to years of profitable returns. ——_—_>3—.-___— Corporations Wound Up. The following Michigan corporations have recently filed notices of dissolu- tion with the Secretary of State: Delaware Grand Realty Corp., Flint. Stewart-Warner Corp., Detroit. Mackinac Island Sight-Seeing Co., Mackinac Island. Kalamazoo Sanitary Manufacturing Co., Kalamazoo. Remer Brothers, Saginaw. Richmond Hills Development Co., Pontiac. c Luths-Dorweld-Haller Co., Detroit. Cortright Paper ‘Co., Battle Creek. Freeman Kinsman Co., Ann Arbor. White Frost Refrigerator Co., Jackson oe one Lumber Co., Grand Rap- ids. Adler-Ray Auto Service Co., Detroit. Commonwealth Power Corp. of Michi- gan, Jackson. Shadow Lawn Golf Equipment Co., Detroit. Coles-Wilcox Drug Co., Flint. Pauly Corp., Escanaba. Pee-Wee Golf Courses, Inc., Muske- gon, Ford & Blair, Inc., Detroit. Theodore E. Berk, Inc., Benton Har- bor. Tibbitts Heater Co., Saginaw. Rochester Farmers Eevator Co., Rich- mond. J. M. Campbell Decorating ‘Co., De- troit. Newaygo Muskrat Co., Flint. International ‘Social Hygiene Bureau, Detroit. ——_+~>___ The world has millions of starters, but only a few finishers. Only a hand- ful who can be depended upon to pro- duce a result. And it is only the re- sult that counts, in school or in busi- ness or professional or social life. George Joseph & Co., dealers in general merchandise at Mesick, renew | their subscription and say they would not know how to get on without it. Manufacturers of Sausage and Meat > Products. Wholesale only. HERRUD & COMPANY 542 Grandville Ave., Grand Rapids, Mich. MERCHANT PARCEL FREIGHT SERVICE SMALL, LIGHT PACKAGE DELIVERY SYSTEM. Cheaper than Freight or Express on small parcels up to 20 Ibs. We ship only packages weighing 1 to 75 lbs. and 70 inches in size (girth plus length). State regulated. Every shipment insured. NORTH STAR LINE, INC. R. E. TIMM, Gen. Mgr. CRATHMORE HOTEL STATION, GRAND RAPIDS, MICT. VINKEMULDER COMPANY Grand Rapids, Michigan BRANCH AT PETOSKEY, MICH. Distributors Fresh Fruits and Vegetables Cranberries, Grapefruit, “Yellow Kid” Bananas, Oranges, Onions, Fresh Green Vegetables, etc. EGGS - EGGS - EGGS Low prices increased demand. On request we will be pleased to quote finest quality Candled Aprils and Mays. We are always in the market for Strictly Fresh Eggs, at full Market prices. We can supply Egg Cases and Egg Case Material of all kinds. KENT STORAGE COMPANY - GRAND RAPIDS M.J. DARK & SONS INCORPORATED GRAND RAPIDS, MICHIGAN = Direct carload receivers of UNIFRUIT BANANAS SUNKIST ~ FANCY NAVEL ORANGES and all Seasonable Fruit and Vegetables ————————— ————————————————— ———————————— GRIDDLES = BUN STEAMERS _ Everything in Restaurant Equipment Priced Right. Grand Rapids Store Fixture Co. 7 N. IONIA AVE. Phone 67143 N. FREEMAN, Mer. URNS VEGETABLES BUY YOUR HOME GROWN AND SHIPPED-IN VEGETABLES AT THE VEGETABLE HOUSE VAN EERDEN COMPANY 201-203 Ellsworth, S. W. Grand Rapids, Mich. MICHIGAN TRADESMAN November 26, 1930 HARDWARE Michigan Retail Hardware Association. President—Louis F. Wolf, Mt. Clemens. Vice-Pres.—Waldo Bruske, Saginaw. Secretary—Arthur J. Scott, Marine City. Treasurer—William Moore, Detroit. Suggestions in Regard To Christmas Window Trims. When it comes to carrying on his Christmas campaign, the wideawake hardware dealer will find the store window his most efficient helper. Win- dow shopping is never so popular as at this season, when the late after- noons and evenings are dark and the store windows bright; and though a good many jokes may be poked at the window shopper, the fact remains that looking in the windows at this season vf the year is usually a preliminary to buying. That is the case, anyway, where the window trim is ‘sufficiently attractive to induce the passerby to stop, look, and, ultimately, go inside for further ir:formation. That, furthermore, is the object of the good window display. If a window displaiy gets a lot of people inside the store, it has accomplished all it can be expected to accomplish. The actual selling is up to the salespeople. Dealers differ as to the most desir- able form of display at this particular season. Some favor a display that is Christmassy, decorative and essentially suggestive of the season. Others pre- fer the stocky display, which aims to show as wide a variety of gift lines as possible. Some dealers put on their very finest display at the commence- ment of the season. Others reserve it uti] the last few days before Christ- mas. : These are points which must be left to the good judgment of the individual merchant. What may prove success- ful with one hardware dealer may be somewhat less successful with another. Furthermore, what may appeal to one community is quite likely to fall flat in another; and different parts of the same community react differently to the same display. The more intimately you know your community, and your goods, the better equipped you are to appeal successfully to your public. One dealer puts his views as follows: “The time to use decorative and Christmassy effects is at the very start of the season. Then I put holly, im- itation snow and red and green trim- mings in the window and about the store. I trot out Old Santa Claus at the very start. Why? Because I want to get the public into the mood for Christmas buying. I want them to think Christmas. Hence, the need of Christmas atmosphere in the window and about the store. “Toward the last, the situation is different. Everybody knows _ that Christmas is rapidly coming nearer. Buying is in progress. People are looking for gifts for this, that or the other individual, and are perplexed as to what to buy. Now is the time for the ‘stocky’ window with its numerous gift articles, every article a suggestion of a gift. “The job of the window display at the start is to get the public in the mood for Christmas buying. At the finish its job is to help the customer make his selection. So, too, I put on my most strongly decorative display at the very start; and my _ best ‘stocky window at the very finish.” In the actual work of window trim- ming, it will be found well worth while from a labor-saving point of view to sketch your display on paper before you attempt to put together the window trim itself. It is not neces- sary to draw a picture of your display; but outline on paper what articles are to ‘be included, the arrangement, and sort of show cards to be used, etc. The display which is thus planned before- hand can be put together in half the time required where the trimmer starts with merely a vague idea of what he intends to do and makes up his display as he goes along. See, too, that you have plenty of window fixtures. Most of these can be easily improvised out of old boxes. Probably you have some stored away. Get them out, and, if more are needed, put them together beforehand. The window trimmer in the hard- ware store has excellent materials to work with. Such lines as cutlery, sil- verware, brass goods, skates, sporting goods, aluminum ware, electrical de- vices, etc., can be worked into very appealisg and attractive displays. “One of the greatest selling windows we have had for a long time,” is the way a dealer describes a trim he put on some years ago. In this display the background was built in six feet high and covered with red sateen. Above this, stripes of twisted crepe paper, red and white, were strung up to the ceiling. Two stands were placed in the background, on which round shelves were fastened, for the display of silver spoons. These stands were covered with green sateen, which provided a contrast with the red back- ground. Incidentally, this gave the display the recognized Christmas color- ing of red and green. The back of the window was covered with knives, scissors and razors. Sus- pended from the ceiling were three balls in which jack-knives were stuck. On the floor, case carvers and silver- ware were shown. One of the main features of the dis- play was a moving device. A star was shaped from thin wood and covered with green sateen. It was fastened to the door by a thin wire, so that when the door opened and closed the star moved up and down. Thus customers going in and out provided the motive power for the most striking feature of the display. Anything moving adds to the effec- tiveneess of a display. It accomplishes the initial objective of halting the passer-by. The extent to which the window actually pulls business de- pends, of course, on the goods shown and the attractiveness with which they are arranged. The attractiveneses of most Christmas lines, particularly metal and glassware, is enhanced by a good background. In the same store a second window was trimmed with a selection of car- penters’ and macninists’ tools. In practically every respect the arrange- ment and coloring of the background were similar. In the center of the window, however, was placed a giant candle. On a certain day the candle was lighted and everycne making a $1 purchase was entitled to a guess as to how long it would burn. This con- test aroused a great deal of interest. People visited the store every day to find out how far the candle had burned before making their guesses. A large number of guesses were handed in; the successful contestant receiving a suit- able prize. A hardware dealer in a town of about 15,000 people put on a display with a somewhat different but very effective arrangement. Here the trim- mer had an unusually large window to work with. At the rear of the window a background six feet high was built up. This was covered with bright red cotton, heavily pleated. On this back- ground shears and spoons were ar- ranged. In the foreground, four pil- lars, with brackets attached, were used to good advantage to display nickel and brass ware. For the border of the window, knives and forks were used. A sort of roof for this display was provided by running streamers of red and green paper from the front top of the window to a point 18 inches above the background. The bottom of the window was covered with light green cloth; and, beginning about half way back, steps were built up, with a rise of 6 inches. The steps were in two sections and between them was a space for a large square pedestal, sur- mounted by a brass jardiniere of un- usual size. In front of the steps was a gate, enameled white, behind which was a large doll with arms outstretch- ed, symbolizing the welcome of the store to one and all. A small town hardware store adopt- ed the device of dividing the window down the middle about half way from the background by a series of arches elaborately covered with light-colored material. On these arches various small articles were conspicuously dis- played. On the background, so plac- ed as to show one letter through each arch, were signs spelling XMAS. The background around these signs was covered with a display of cutlery. Elaborate lighting helped out this dis- play. Two points are worth remembering in connection with your Christmas trims. One is the importance of good lighting. See to it that your artificial lighting is the most effective you can provide, and that all dead bulbs are replaced. Incidentally, the lights should be so placed as to illumine the Automobile Tires and Tubes Automobile Accessories Garage Equipment Radio Sets Radio Equipment BROWN & SEHLER COMPANY Farm Machinery and Garden Tools Saddlery Hardware Harness, Horse Collars Blankets, Robes Sheep Lined and Blanket - Lined Coats Leather Coats GRAND RAPIDS, MICHIGAN Wholesale Only. 342 Market St., S. W. Manufacturers and Distributors of SHEET METAL ROOFING AND FURNACE. SUPPLIES, TONCAN IRON SHEETS, CONDUCTOR PIPE AND FITTINA\.S. We Protect our Dealers, THE BEHLER-YOUNG CO. EAVETROUGH, Grand Rapids, Mich. Michigan Hardware Co. 100-108 Ellsworth Ave., Corner Oakes GRAND RAPIDS, MICHIGAN Be Wholesalers of Shelf Hardware, Sporting Goods and FISHING TACKLE ay a ee Pr «* «fm ®, ow, UE Ne Oe gS eee See a eA ae eee ee rege at ee Oe Oe s* <> .. 2m, November 26, 1930 MICHIGAN TRADESMAN goods you are showing rather than throw the light itself into the eyes of the passerby. Elaborate effects can often be secured at comparatively small cost. The other point is, that anything moving helps to make a display more effective. One of the windows de- scribed had a green star dipping up and down. Another ‘had a burning candle. One dealer in my town at- tracts a crowd year after year by show- ing a giraffe that moves its neck. Live animals or, for that matter, stuffed animals, are pretty sure to attract at- tention, One dealer used a daily bulletin from Santa Claus. This, in the early stages of the campaign, announced the various stages in Santa’s progress from the North pole. After his ar- rival, the bulletin—always brief— specified the dwindling number of shopping days before Christmas and in a few catchy words suggested one or two appropriate gift articles the store was featuring. People got into the habit of stopping every morning to see what was in the new bulletin from Santa, Here is a sample bulletin: Dear Dad and Mom: Only 12 more shopping days before Christmas. That means only 12 more days to get that present for Buster. He aggravates you sometimes but deep down in your hearts you know he’s a mighty good boy. Why not 4a new jack-knife or a pair of hockey skates? Come in right now, Santa Claus. The bulletin was legibly written in India ink on holly-edged paper with a picture of Santa in the upper left- hand corner. It proved a very helpful stunt. Victor Lauriston. ——— Standard Containers Important Factor in Marketing Food. The adoption of standard containers has been one of the chief factors in making possible the present profitable distribution of fruits and vegetables from every corner of the United States, according to an oral statement Nov. 18 by L. C. Carey, specialist in package standards of the Bureau of Agricultur- al Economics, Department of Agri- culture. Fruits and vegetables represent a very substantial portion of our entire agricultural production, he stated, as is shown in the estimated railroad car- load movement of 1,000,000 cars an- nually in this country. Based upon an average value of about $1,000 per car this totals approximately $1,000,000,- 000 worth of fruits and vegetables shipped by train annually, he pointed out. In addition to the huge quantity of these products shipped by train, there is also extensive transportation of this commodity by trucks, in some states equal if not more than the railroad movement, he said. However, the amount of these shipments by truck is something that no one can specu- late on and at best could only be roughly estimated, it was said. Mr. Carey furnished the following addition- al information: The establishment of Nation-wide uniformity in fruit and vegetable con- tainers was not undertaken by the Fed- eral Government until 1916. Previous to that time the various states and districts had their own containers, and sizes, which presented a conglomerate of nondescript packages which were the source of considerable confusion in the commercial fruit and vegetable industry. However, as long as the fruits and vegetables were produced and consum- ed within the same limited area, no great amount of trouble was encoun- tered. But with the development of railroad refrigerator car service and the shipment of these products from one section of the country to another a person would come in contact with all kinds and sizes of boxes and containers in which the same commodity was sold within the same city. For instance, there were 75 or 80 different kinds of berry -boxes, ranging from half pint to one quart sizes. Similar difficulties arose in the distri- bution of various other types of com- modities until the United States Stand- ard Container Act was passed in 1916. This act established standard capacity and dimensions for fruit and vege- table barrels and the cranberry barrel, and forbade the sale, offering or ex- posing for sale, of nonstandard bar- rels containing fruit or vegetables. Again in 1928 Congress passed an- other Standard Container Act which eliminated the manufacture and use of containers of unproved and unspecified types and sizes that tended to deceive the consumer as to the actual quantity they contained. Our first National bushel to ‘become legalized was in this act, which provided that the size of all bushels must be 2,150.42 cubic inches. In the distribution of fruits and vege- tables over a large country like the United States it is necessary that the perishable product ‘be packed in some kind of container. Since the product moves from a number of different sources onto the market it is necessary that uniform sizes be used to facilitate proper storage and handling, and give a convenient basis for market reports. Consumption of fruits and vegetables has increased because of the facilita- tion of distribution ‘by measures instead of by bulk. Only an inconsequential amount of perishables is now shipped in bulk. The use of standard containers has made it possible to distribute from the grower to the consumer without the necessity of actually weighing or meas- uring a second time the contents of the packages before they are given to the purchaser. The consumer now knows that when he gets a bushel of apples he is getting a standard quantity as specified by Government regulations and not the seller’s conception of a bushel. The elimination of this ele- ment of chance has undoubtedly given the purchaser greater confidence and indirectly enhanced purchases. The weight basis is generally con- sidered the most fair and accurate method of selling fruits and vegetables. However, some states have recognized the impracticability of assigning a defi- nite weight er unit of volume for any fruit or vegetable. The weight of fruits and vegetables varies considerably with the variety, size, packing, stage of maturity and condition of the commodity. Also the weight of a certain volume of a com- modity at the shipping point is differ- ent from its weight at the destination, due to the evaporation tendency. Consequently, practically all of our fruits and vegetables are distributed in containers on the basis of volume. A notable exception to this general prac- tice, however, is that of potatoes. This vegetable is almost universally distri- buted on the weight basis, usually in sacks. The Bureau of Agricultural Economics ‘believes that the use of standard containers is indispensable to the economical distribution of fruits and vegetables. >. Medical “Socialization.” Assembled in convention recently at Detroit, the members of the American Medical Association were up in arms against the danger of socialization of their profession and the enrollment of the country’s physicians and surgeons as state employes. To counteract this tendency, inspired by the necessity of the state for providing for the care and treatment of the poor, the associa- tion adopted a series of resolutions urging its members to refuse their services to hospitals which do not recognize their individual rights, in- cluding Government-operated hospitals which do not pay for medical attend- ance out of taxation along with all the other facilities supplied by the institu- tion. The danger of socialization in the medical profession may be rather dis- tant, but it is no idle threat. The need of caring for the poor and the im- portance of health to National econ- omy have already led to the establish- ment in England of a Public Medical Service Association, which aims to provide universal medical service irre- spective of patients ability to pay. Some such move in the United States is not impossible. The only way the medical profession can avoid being drawn into such state-controlled insti- tutions is by providing of itself the free service which the public feels necessary. Recognizing this situation, the lead- ers of the American Medical Associa- tion have proposed the organization of health services which the association would control rather than the Govern- ment. They would provide medical care at prices commensurate with the ability of the patients to pay and free treatment when necessary. Such a program cannot be put into effect over night and it will demand careful study, but there is no question that some- thing must be done if physicians and surgeons are to retain their independ- ence and yet meet the public demand for medical care regardless of ability to pay. ee Market Novel Kitchenware Set. A kitchen set of mixing bowls, bean pots and similar articles, made up in Colonial patterns and intended to be marketed as a style item for suburban homes, was introduced to the trade last week. These Colonial patterns will sell through gift shops. instead of through regular channels. They are expected to retail around $1 each. De- mand for kitchen earthenware at the present time, according to trade re- ports, has fallen off considerably and retailers are showing little interest in yoods for future or immediate delivery. SARLES Detective Agency Licensed and Bonded Michigan Trust Bldg. Grand Rapids, Mich. Sand Lime Brick Nothing as Durable Nothing as Fireproof Makes Structure Seautifui No Painting No Cost for Repairs Fire Proof Weather Proof Warm in Winter—Cooi in Summer Brick is Everlasting GRANDE BRICK CO. Grand Rapids. SAGINAW BRICK CO. Saginaw. Jennings’ Pure Extracts Vanilla, Lemon, Almond, Orange, Raspberry, Wintergreen. Jennings Flavoring Extract Co. Grand Rapids, Mich. Phone 61366 JOHN L. LYNCH SALES CO. SPECIAL SALE EXPERTS Expert Advertisin Expert Mrechandisin 209-210-311 Murray Bldg. GRAND RAPIDS, MICHIGAN I. Van Westenbrugge Grand Rapids - Mi (SERVICE DISTRIBUTOR) Nucoa KRAFT___ Items From the Cloverland of Michi- gan. Sault Ste. Marie, Nov. 25—Red- coated hunters are still thronging the North woods. Quite a number have had their fill, returning without a deer, but having had a delightful outing. The heroes who ‘brought back the buck are wearing a distinctive smile, are more than pleased to relate how they did it. There are, however, many who meekly relate having had a won- derful time, regardless of their com- ing back empty handed. Our Soo delegation have been watching results from the return of Dave Williams, the well-known furniture merchant, who conceived the idea of hunting deer with bow and arrow, which is real sport. If his methods are successful he will have made a new record for the other fellow to take notice. He would be our Lindbergh, but we will defer action until we have a report of his success. A. W. Dawson, vice- president of the ‘Northern Power Co., returned yesterday with his deer and a smile, while Herbert Fletcher, cashier of the Sault Savings Bank, re- turned somewhat disappointed, but not regretting the attempt. ‘Raymond J. Hall, of Pickford, claims to be the champion this year, landing a 13 point buck weighing 290 pounds which he shot four miles West of Tone. There is, however, some consolation with the big majority who were left. ‘behind when reading the papers of the numer- Ous accidents and the careless manner of using firearms. One man shot his -wife for a deer; at least that is the re- port, while others went in autos and stopped along the road: When they saw a lot-of bushes moving they open- ed fire and found that their victim was a hunter. .With reports of this na- ture one can feel contented to spend - his hunt at home. A. J. Jean, one of our leading jewelers, who for the past twenty- seven years has been located in the Keliher block, will move into the new Zellar block, which will be ready about Jan. 1. Mr. Jean announces that he will conduct a removal sale. He has purchased all new fixtures at an ap- proximate cost of $6,000. There will 25 be a number of eight foot glass cases, ssxty feet of wall cases and seventy feet of show cases. The fixtures will be of American walnut. There must! be more money in cir- culation than we imagined. We know a lot of fellows who haven't quit play- ing poker yet. Charles Depaul, owner of the Soo Amusement Co., took over the owner- ship of the Princess theater at the Canadian Soo last week. The Prin- cess theater was formerly owned by Mr. Depaul; he sold it to the L. & W. Co. about four years ago. Turkeys are selling at 25 cents at retail here. This will help consider- able in making Thanksgiving dinner a success this year. The hustling village of Pickford does not possess any commercial or- ganization, but the W. C. T. U. are looking after business interests and at present are considering the earlier closing of the stores on Saturday nights, William G. Tapert. —_—_—_> -.___ Forty-four New Readers of the Trades- man, The following new subscribers have been received during the past week: Jack De Young, Grandville. Charles B. Baxter, Freeport. State Bank of Freeport, Freeport. F. P. Rossman, Leland. R. Ringle, Merrill. Dayton Biscuit Co., Dayton, Ohio. EK. M. Pugh, Grand Junction. E. J. Drier, Three Oaks. E. W. Klockner, Three Oaks. Chas. O. Herman, Berrien Springs. W. H. Kolberg, Sodus. J. J. Reich, Baroda. J. E. Arney, Buchanan. E. T. Prince, Niles. Elden Shetterly, Cassopolis. E. C. Armstrong, Cassopolis. E. Machin,, Gobles. Mrs. W. A. Ruell, Gobles. M. Van Strien, Gobles. Brown & Groves, Bloomingdale. L. Farrington, Breedsville. Albert Van Maaren, Kalamazoo. Francis Forbes, Kalamazoo, E. O. McElroy & Son, Oshtemo. C. Duncombe & Son, Hartford. C. W. Sutherland, Sister Lake. W. F. Taberski, Dowagiac. John A. Fletcher, Muskegon. F. E. Brooks, Clarksville, Geo. Van Overen, Clarksville. | Empire Grocery & Market, Benton Harbor, H. Kriger & Son, Benton Harbor. Wm. Kasischke, St. Joseph. Carl B. Spear, Benton Harbor. Wm. Ortlepp, Benton Harbor. A. H. Meyers, Benton Harbor. E. S. Johnson, Fennville. Reed & Son, Saugatuck. D. W. Frederick, Battle Creek. Clipper-Herald, Stanton. Hall & Cichy, Belding. D.C. Alichin, Belding. Silk City Grocery, Belding. Powers Bigger Business ‘Grand. Rapids. Bureau, CHARLES RENNER HOTELS Four Flags Hotel, Niles, Mich., in the picturesque St. Joseph Valley. Rumely Hotel and Annex, La- Porte, Ind. _Edgewater Club Hotel, St. Joseph, Mich., open from May to October. All of these hotels are conducted on the high standard established and always maintained by Mr. Renner. mein ge mah . patent sata hi tay sn ele DRUGS Michigan Board of Pharmacy. aguas Edward Richardson, De- tro. ee eer orenle Hoxie, Grand Rap- s. Director—Garfield M. Benedict, San- dusky. Examination Sessions — Beginning the third Tuesday of January, March, June, August and November and lasting three days. The January and June examina- tions are held at Detroit, the August examination at Marquette, and the March and November examinations at Grand Rapids. Michigan State Pharmaceutical Association. President—John J. Watters, Saginaw. First Vice-President—Alexander Reid, Detroit. Second Vice-President — F. H. Taft, Lansing. Secretary—R. A. Turrell, Croswell. Treasurer—P. W. Harding, Yale. Guarding the Purity of Your Drugs. Drugs skillfully employed by com- petent physicians and carefully pre- pared by trained pharmacists have been among the chief aids in the treatment and prevention of disease for centuries. From the far ends of the earth, and from sources that tap the animal, vege- table and mineral kingdoms, come these pain-quelling, healing and cura- tive agents. Years of bedside experi- ence and laboratory experimentation have established the basis for their use and the dosage and conditions under which they may be expected to give results. To supply drugs and medicines in the strength and dosage required, when needed, is the chief function of your . pharmacist. There are times when he is a manufacturer, a compounder and a dispenser, all at once. On other occa- sions, he exercises only one of these functions, but at all times he is held morally and legally responsible for the quality ofthe drugs and medicines which he dispenses personally, or which may be dispensed from his es- tablishment. Places where drugs and medicines are prepared may vary from the small laboratory of the corner drug store to immense factories covering several city blocks, but in any case, the Govern- ment places the weight of responsibility upon the legally qualified pharmacist in charge. The dispensing of drugs and medi- cines by persons who are not Regis- tered Pharmacists, or working under the supervision of pharmacists, is not only dangerous, but it is also unlawful. Long before the crude materials MICHIGAN TRADESMAN from which drugs and medicines are prepared reach the manufacturing plant or the retail pharmacy, Uncle Sam, through his Food and Drug Admin- istration, has cast a watchful eye upon their quality. The camphor which comes from Japan, the rhubarb from China, the opium from India, the aloe from Africa, the digitalis from Europe, the cinchona bark from South America, and the jalap from Mexico—to cite but a few example of typical drugs used every day in the practice of med- icine—are carefully inspected at the point of importation by representatives of the Food gnd Drug Administration of the United States Department of Agriculture, and only if they come up to the requirements set in the official standards, are they permitted to pass to the manufacturing establishment. Drugs grown or produced in this country are, likewise, subjected to care- ful tests. When the crude drugs or chemicals reach the manufacturing laboratory, they must pass the tests of control chemists. Thus the manu- facturer is assured that he is starting with raw materials of proper quality. After the manufacturing process has been completed, the control chemist is again called upon to make his tests. This time his object is to find out whether the manufacturing department has correctly weighed and distributed the ingredients or completely extracted the active principles from the crude drugs. The ingredients of prescriptions or- dered by your physician which reach your apothecary through the regular channels of trade are, therefore, tested at least three times before they find a piace on this shelves. From this point on, the responsibility for quality rest solely upon the pharmacist. So that all who are engaged in han- dling drugs and medicines may he ever alert, and to further protect you from the harm that may occur when edul- terated or misbranded drugs are em- ployed, your Government, through the Federal Food and Drug Administra- tion, operating in interstate commerce; through State Boards of Pharmacy and State and Local Boards of Health, operating within the state, county and municipality, purchase drugs and med- icines at intervals from manufacturers, wholesalers and retailers. The products purchased are subject- ed to rigid tests for identity, purity November 26, 1930 and strength. A heavy penalty is in a glint of triumph in his eye as each store for the individual or concern found to be supplying medicines which do not contain what their label claims. This inspection activity has proven so effective that the discovery of adul- teration and misbranding in standard drugs and medicines is quite unusual. Yonder is a home which has been visited by a strange malady. The good family doctor, with the aid of skillful laboratory tests, has diagnosed the ail- ment and now the battle is on to save the life so precious to the sick one and his family. A rare combination of drugs is need- ed and needed quickly. The physician has written his order to the apothecary on one of the little white blanks which he ever carries with him. A telephone call has brought the drug store boy and he is already on his way back to the prescription room where the registered pharmacist waits to fill the doctor’s order. Speed is essential, but the experienced phar- macist knows that accuracy is more im- portant. Carefully he weighs out each potent ingredient, comforted the while by the thought that only a few days ago, inspectors of the Bureau of Weights and Measures had checked his weights, measuring devices and bal- ances, and found them all to be ac- curate. A glow of satisfaction illuminates his countenance as he recalls that only in the past week he ordered .a supply of one of the unusual ingredients in the prescription. He had never had a call for it before, but he had read in his scientific journal that this ingredient had saved lives, and he wanted to be prepared for an emergency like this. Now he is mixing the powders in a mortar. Will he ever stop that swiftly moving pestle? Surely the powders are well distributed by this time. Experi- ence has taught this pharmacist that the minutes which seem like hours when one is in a hurry are necessary to properly divide the particles of a mixture so that each will be exactly like the other. And now, at last, the mortar has been scraped and the powder lies on a clean sheet of paper before him. With deft fingers he is packing the powder into individual capsules, al- though his fingers do not touch the powder itself, A close observer could discern just finished capsule is dropped on the scale pan and just balances the weight on the other pan. It took years of ex- perience for your pharmacist to acquire such proficiency, but now it is a part of the service available to you each day. In a jiffy, eighteen shining cap- sules have found their way into a screw capped vial and now he is at- taching the label giving the doctor’s directions to the patient. In another moment the drug store boy, who has watched this producer with admiring eyes—for he expects to study phar- macy some day—is on his way to the sick room, and before long the med- icine will be doing its part in the battle against the ravages of the dread dis- ease. Thus, day in and day out, fifty-two weeks of each year, your pharmacist modestly plays his part in the con- servation of that most precious posses- sion—your health. Robert P. Fischelis. _———_2 2 > ___ ——_ Decide Yes If Not No. Should a drug store stick to the lines for which it was originally found- ed was the subject of discussion at the recent convention of the National Wholesale Druggists Association, Sev- eral delegates questioned the wisdom of drug stores featuring miniature goli sets, gift merchandise of all kinds, coaster wagons, bathing suits and many other items, At the end of the discussion the visiting members agreed that the pro- priety of adding sides to drug store counters was debatable and that the plan has in some instances incurred the displeasure of other merchants in a community. ———_2~+~+___ Window Glass Demand Holds. The better demand for window glass evidenced earlier in the month is being maintained and the same may be said of rough-rolled and wire-glass prod- ucts. Current trade requirements for window glass are more than sufficient to absorb output, owing to the present low rate of production. Stocks in man- ufacturers’ warehouses as a_ conse- quence are probably at the lowest point in recent years. Jobbers have been buying almost wholly for early or im- mediate needs. Plate glass continues in slow movement, with no improve- ment to be noted this week. MARAE DULL eee eee ITT TTT GRAND RAPIDS ~ MICHIGAN EE ee Succeeding GRAND RAPIDS SHOWCASE CO. DOUCUUELUCLC Ue ee POTTS GRAND RAPIDS STORE EQUIPMENT CORPORATION DRUG STORE FIXTURES >, Planned to make every ————— et foot of store into : sales space. Te LE) PO DR STORE PLANNING Recommendations to fit individual conditions. BEM G OULU } s ee ‘ te Pini \ Fs November 26, 1930 MICHIGAN TRADESMAN 27 The Man Who Signs Must Make caution and for what he regards as WHOLESALE DRUG .PRICE CURRENT Good. poor merchandising. He maintains | A responsible man puts his name to that prospective buyers have been Prices quoted are nominal, based on market the day of issue. a piece of paper and it becomes a _ looking at the same goods all during astis Cotton Seed <.: 1 20@R MO Henan Conve. one check—the equivalent of money. the year and that, since prices will not pane power 18 @ 32 Sunsts cn SOs Base" She BER He signs his name on the back of be any lower for the Christmas trade, - Boric (CXtal) -- 10 g Giant 3 eel Capsteum —__-—- g2 28 another piece of paper and it becomes there is little incentive to buy. While Cutric _--------- 52 @ 66 oe : tons = Gee @2 16 an endorsed ncte—good for money. he admits that it had been a poor year are Se a se Juniper Wood _ 1 50@1 * pi ag oe gi be ee ee > for manele and taney ctyles in the Ome aN eee Te Ce | «e indi: , ; Sulphuric ------ , =a Gentian -__._____ @1 35 ae ee meals Wes Gls be inl Gat fie GRE dG a ieee ae tee oes —— sik The adding of the name makes these proper promotion of them would stim- Lemon ___-_____ 4 00@4 25 ig Ammon... g 2 : ae ; i He 2 ae things solemn and legal obligations. ulate Christmas buying to some extent. mmmen's 18 Pineed a te $ $0 Iodine, Golorless. 1 50 The man who signs is responsible. Water, = ioe. o ; ig Linseed: bid, less 9001 03 Clo. Qi 56 : is # : , rae Linseed, raw, less 87 0 Just so with an advertisement—the Lampshade Buyers Still Active. Water, 14 deg.-- pee a Mustard ates on 25 Myr en @2 62 bs aN cape ch oes it he Manufacturers of lamp shades have Chloride (Gran) 08 @ 18 ee a saa = a — 2 has made a pledge to the spublic. heey enon Pee 40 the Olive, Malaga Gules, Caca @1 44 : : joying a steady business in t » Mi Cuban ticeenea He is bound by his word as much last three weeks, despite the inactivity a meee co on 2 50@3 00 pt otras — e - as it be aienet.a check seh ce of other home furnishings lines, Or- oe 2 75@3 00 green 2 85@3 25 must do what he promised on the ders for immediate shipment have been ee oe oe ee See See 6 anes as fas She nue terms he Senne oe di numerous and have covered a wide poly ___._..____. 2 00@2 25 Criganum, com't 1 goat 20 tone Terie acs neo : SS not courts business dis- ennyroyal —___ Lead, white oil If he does n e : : i range of styles. The average volume, ee Peppermint 2 45004 78 ents, yelinw bbe Gee aster. The man who advertises a lie however, has been smaller than in or- a ecier se Rose, pure _-__ 13 50@14 00 Ochre, yellow less 3@ 6 publicly proclaims himself a liar. Such ders placed earlier in the Fall. Excep- Gassia (Saigon). 40@ 60 a 1 25@1 50 Req zone s 3%@ 7 men are seldom in ‘business but fre- tions noted are in instances where un- a caat @ 50 E32 12 50@12 75 Putty “ 5@ 8 . e in jails— : : ; oap Cu Sassafras, true 200@2 25 Whiting, bbl. _. @ 4% quently they are found in jails—or atic eal Se : 30 ; ¥ tow peites Dey 350 --------—--- Sassafras, arti’l 75@100 Whiting _____—_ @10 asylums. : : shades of tailored design are outstand- Spearmint ne 6 00@6 25 Rogers Prep. __ 2 65@2 85 It is safer to buy advertised articles ie ta de Viele: rade geoduets ac Berries a a } pe 15 esis tecea than nondescript ones. It is safer to ding to the sales agents en eee ee. @ 2 Tar USP -_____ 65@ 75 Acetanailid 57@ 75 : : d i cniee oO a + aa 20 Eurnenting, bbl = @ §4 AR deal with merchants who advertise >.<. Juniper —_-------- “S 75 ‘Turpentine. less 61@ 74 ae Seer 06@ 12 than with those who do not. Extend Underwear Deliveries. Prickly Ash ~—--- Wieorardan, aeua o9@ 15 An advertisement is a signed pledge While buyers are operating cautious- eccies Wii 25 Bismuth, Subni- ‘aie ce of good faith te the public. ly on heavyweight underwear = ioe ae 15 wren as was 25 Bose xtal or ee ee sli : h taken Licorice, powd. -- intergreen, art i powdered _..___ 06 ca eR ee creme. : Worm Seed... 6 00@6 25 Cantharides, po 1 2601 23 A Successful Stunt. place, according to reports in the a. Wormwood, oz. _. @1 50 e omel ~------. 2 72@2 82 You have all heard of and probably trade. It is stated that some mills are oa. 75@ 80 Grae Sees a used the “dollar day” as a business extending deliveries through January Chamomile Gee) ve ae PotassIum pees Buds -... 30@ 40 stimulant. Here isa new one. A gro- at the present prices. Due to the jate- Chamomile Rom. Bicarbonate ----- 35@ 40 Gale Es ue 80 cer in one of the small towns near ness of the current buying season, ean Bromide oe as 69@ 85 ys ig eer “6 4 : i ‘ : : ROMNGe 22 54 z ; Grand Rapids recently staged a “half heavyweight ribbed gous: a Acacia, oe oS bi Chlorate, gran’d_ 210 28 one ah 12 — ” os : : : : ti A Sng os Coco ee dollar” sale which lasted just half a Fall, 1931, _ will not be oS : yon a ae Cilorats, ee ie 23 Corks, list, less sorte 6 day. Alert shoppers quickly took ad- some time in February by the lead — Acacls. oes ois oo Cyanine ae © Coma aaa i : i ing, also oes (Barb Po 5 2 lodide | 4 94@4a Fe «=O OPeras ___._ vantage of this offer and the merchant, producers, as against an opening, 10, Aloes (Cape Pow.) 25@ 35 Porasicon da i ae a Copperas, Powd. 4@ 10 besides opening up several new ac- slightly delayed last year, on Jan. 10. ‘Ajoes (Soc. Pow.) ce a Prussiate, yellow 35@ 45 oe oo 2 ao" 2 ‘ s A ee Asafoetida ------ a Prussiate, red __ @ 70 ae : ae ew 0@1 00 r Cuttle bone ___ counts, reaped a fine profit. Salesmanship. a. Sena ae ae oibhate 3@ 40 Dersne = enn “ - a : ; Urges Novelties in Men’s Wear Prospective Customer: You say you Casas so aes g ay eg ees 8 vowder « 90 4 60 ‘ : uaiac, pow’d --- ‘ oots - , . on , uarantee these canary birds? ine @1 25 Emery, Powdered 1 Those merchants of men’s wear who a : Oy, vill I guaran- Kino, powdered @120 Alkanet _________ 30@ 35 Epsom’ Salts, bbls. @03% are promoting only staple merchandise Birdstore Owner:. Oy, ao Myrrh ___----- @1 15 Blood. | powdered $0@ 45 Bpsom Salts, less 3%@ 10 c : : ees i em trom dered @1 2 valamus ---_____ rgot, powdered __ for holiday display were criticized by tee dem? _ en, Tare Opium, bowd. 21 00@21 50 iSlecampane, pwd. 209 30 Flake, White ~ eo : ; i i ry seed, iu . 21 00@21 50 Gentian, powd. _ ormaldehyde, Ib. 12 a retail executive for their execessive canary s one. Weeanae bee 65 Ginger, African, Gelatine . Hea es to = Shellac, White 55@ 70 powdered ______ 30@ 35 Glassware, less 55% Tragacanth, pow. eens a Ginger. Jamaica. 40@ 50 Gee fu cage eo. Tragacanth -_-- J inger, Jamaica, 8, . % : Turpentine ______ @ 30 powdered ____. 45@ 60 Glauber Salts less 04@ 10 DISTRIBUTORS OF THE WESTERN LINE Ineese paw Saree tn Gime byite ag ae SS pecac, powd. __ . rT Insecticides Licorice oes 35@ 40 au wae ---- 27%@ 35 ; icorice, d... 20@ 30 Glue, white grd. 25@ 35 9 Arsenic = _-_ 2 08@ 20 oo eae Glyceria Dr. West’s Tooth Brushes Blue Vitriol, bbl. @ 07 Bop noe pe eo — ™%#@ 40 ’ : _ Ss Blue “ee a ie = Hhuluch ace .. << es 6 07 = Bordea. Mix’ Dry hata 50 lodoform ______~ 8 00@8 30 Dr. West’s Kiddie Sets Hellsbore, White. Rosinwosd. towd, @ aor ee = 8 90@8 30 receive your order. Grand Rapids Gainsborough Powder Puffs Gainsborough Hair Nets West’s Hand Brushes We stock every deal they put out and carry open stock of all items. et Hazeltine & Perkins Drug Co. Michigan Hank-O-Chief Always pleased to Manistee Insect Powder... 47% @ Lead Arsenate, Po. 134¢@27 Lime and Sulphur 60 Bry oo 09@ 23 Paris Green -... 2644@46% Leaves Buchu, 2-3 @ 60 Buchu, powdered @ 7 Sage, Bulk _--._. 25@ 30 Sage, % loose -. @ 40 Sage, powdered__ @ 35 Senna, Alex. -... 50@ 175 Senna, Tinn. pow. 30@ 35 Uva Ursi 20@ 2 Oils Almonds, Bitter, true] 2 7 50@7 75 Almonds, Bitter, eS ace 3 00@3 25 Almonds, Sweet, tenes 1 50@1 80 Almonds, Sweet, imitation --.. 1 00@1 25 Amber, crude __ 75@1 00 Amber, rectified 1 50@1 7 Aging 6 2 2 00@2 25 Bergamont ---. 6 50@7 00 Cajeput 2 00@2 25 Cassia __ 00@3 25 @eetor 55@1 80 Cedar Leaf -.-.. 2 00@2 25 Citronella _----- 1 00@1 20 Gloves: 22 3 50@3 75 Cocoanut -----. 27T%@ 35 Cod Liver ------ 1 40@2 00 Croton —....._ 00@8 25 ground = @1 10 Sarsaparilla, Mexic. @ 60 Squilig 22. 5 40 Saquills, powdered 70 80 Tumeric, powd.__ 20@ 25 Valerian, powd. _. @ 60 Seeds Anning 2208 @ 36 Anise, powdered 35@ 40 Bird. ie 2 13@ 17 Canary —___..___ 12@ 18 Caraway, Po. 30 25@ 3 Cardamon ______ 2 50@2 75 Corlander pow. .40 30@ RE 15@ 20 Fennell _..______ 35@ 60 ee 8@ 15 Flax, ground _._ 8@ 15 Foenugreek, pwd. 15@ 25 Hemp ook 8@ 15 Lobelia, powd. _. @1 30 Mustard, yellow 17@ 25 Musard, black... 20@ 25 Fonpy 22 15@ 30 Quince: 32 2 25@2 50 Sabadilla ________ 5@ 50 Sunflower —_______ 12@ 18 Worm, American 30@ 40 Worm, Lavant . 6 50@7 00 Tinctures Aconite —_____ ia @1 80 Aloes _______ @1 56 Asafoetida = @2 28 Arnica... o @1 60 Belladonna a @i 44 Benzoin ~.-...... @2 28 Mace: 233. ae @1 60 Mace powdered__ @1 60 Menthol Morphine ____ 13 58@14 33 Nux Vomica ____ @ 30 Nux Vomica, pow. 15@ 25 Pepper, black, pw. 45@ 56 Pepper, White, p. 7 85 Pitch, urgundy. oom 25 Quassia ~.___ 15 Quinine, 5 oz. @ &@ Rochelle Salts __ 28 36 Saccharine _____ 2 60@2 75 Salt Peter ______ 11@ 32 Seidlitz Mixture 30@ 40 Soap, green ____ 15 30 Soap, mott cast _ 25 Soap. white Castile, CBSO. @15 00 Soap, white Castile less, per bar ___ @1 60 Soda Ash _______ 3@ 10 Soda Bicarbonate 3%@ 10 Soda, Sal ______ 02 08 Spirits Camphor @1 20 Sulphur, roll ____ 4@ 11 Sulphur, Subl. _. 4%@ 10 Tamarinds ______ 20 26 Tartar Emetic __ 70@ 75 Turpentine, Ven. 50@ 15 Vanilla Ex. pure 1 50@2 00 Venilla Ex. pure 2 25@2 650 Zinc Sulphate _. 06@ 11 Webster Cigar Co. Brands Websterettes _ = 50 ECOG: 2 ~. 38 50 Webster Cadillacs __ 75 00 Golden Wedding Panatellas ____.___ 75 00 Commodore 2.2... 95 00 i k 1 Lizette, 10 oz., 12s -- . 30 MICHIGAN ~ GROCERY PRICE CURRENT These quotations are carefully corrected weekly, within six hours of mailing and are intended to be correct at time of going to press. Prices, however, are liable to change at any time, and merchants will have their orders filled at mar- ket prices at date of purchase. For price changes compare with previous issues == ADVANCED = = Salt = —- DECLINED AMMONIA 10 Ib. pails, per doz. 9 40 15 Ib. pails, per doz. 12 60 25 Ib. pails, per doz. 19 15 25 Ib. pails, per doz. 19 15 APPLE BUTTER Quaker, 24-21 oz., doz. 2 10 Quaker, 12-38 oz., doz. 2 35 BAKING POWDERS Arctic, 7 oz. tumbler 1 35 Royal, 19c, doz. ------ 95 Royal, 4 0z, doz. ____ 1 85 Royal, 6 oz., doz. ---. 2 50 Royal, 12 oz., doz. -- 4 95 Royal, 5 Ib. 25 Calumet, 4 oz., doz. 95 Calumet, 8 oz., doz. 1 85 Calumet, 16 oz., doz. 3 25 Calumet, 5 Ib., doz. 12 10 Calumet, 10 Ib., doz. 18 60 Rumford, 10c, per doz. 95 Rumford. 8 oz., doz. 1 85 Rum/‘ord, 12 oz.. doz. 2 40 Rumford, 5 lb.. doz. 12 60 K. C. Brand Per case 10c size, 4 doz. ------ 3 70 15c size, 4 doz. ----_- 5 50 20c size, 4 doz. -----. 7 20 25c size, 4 doz. _----- 9 20 ei size, 2 doz. ------ 8 80 ce size, 1 doz. -.---- 6 86 ry Ib. size, % doz. -_-- 6 75 BLEACHER CLEANSER Clorox, 16 oz., 24s -- 3 85 Lizzie, 16 oz., 128 -.-- 2 16 BLUING Am. Ball,36-1 0z.,cart. 1 00 Quaker, 1% oz.. Non- freeze, dozen ------ 85 Boy Blue. 36s, per cs. 2 70 porter? Bluing Lizette, 0Z.. Lizette, Lizette, 10 oz., 24s -- BEANS and oo 100 lb. bag Brown Swedish Beans 9 -— Pinto Beans -------- Red Kadney Beans -- ; 75 White H’d P. Beans 6 25 Col. Lima Beans -_-- 11 00 Black Eye Beans -- 16 00 Split Peas, Yellow -- 6 75 Split Peas, Green ---- 7 00 Seotch Peas --------- 5 50 BURNERS Queen Ann, No. 1 and . pe 1 36 White "Flame, No. 1 and 2, doz. --.----- 2 25 BOTTLE CAPS Dbl. —_. 1 gross pkg., gross ..... 16 BREAKFAST FOODS Kellogg’s Brands. ‘Corn Flakes, No. 136 2 85 Corn Flakes. No. 124 2 85 Pep, No. 224 _.__---_ 2 70 Pep, No. 202 _------- 2 00 Krumbles, No. 424 — __Bran Flakes, No. 624 2 45 Bran Flakes. No. 602 1 50 Rice Krispies, 6 oz. __ 2 70 Rice Krispies, 1 oz. -. 1 10 Kaffe Hag, 12 1-lb. Page oo 6 15 All Bran, 16 oz. ___._ 2 25 All Bran, 10 oz. _-____ 2 70 All Bran, % oz. ____ 2 00 Post Brands. Grape-Nuts, 24s ~__-__ Grape-Nuts, 100s --_-- Instant Postum, No. 8 Instant Postum, No. 10 Postum Cereal, No. 0 Post Toasties. 36s -_ Post Toasties, 24s -- Post's Bran, 24s -_.- Pills Bran, 12s -_---~- Roman Meal, 12-2 tb._ Cream Wheat, 18 ---- Cream Barley, 18 ---- Ralston Food, 18 --_-- Maple Flakes, 24 ---- Rainbow Corn Fla., 36 Silver Flake Oats, 18s Silver Flake Oats, 12s 90 lb. Jute Bulk Oats, BO = D9 BO a GG OO = IN ng £9 DD ww CT DD OO wo o bag 3 10 Ralston New Oata, 24 2 70 Ralston New Oata, 12 2 70 Shred. Wheat Bis., 36s 3 85 Shred. Wheat Bis., 72s 1 55 Triscuit, 24s —_.-..___- 1 70 Wheatena, 18s ----- 232 BROOMS Jewell, doz. ~--------- 25 Standard Packer. 23 Ib. 8 26 Fancy Parlor, 23 lb.-- 9 25 Ex. Fancy Parlor 25 Ib. 9 7 Ex. Fey. Parlor 26 Ib. _ 00 12y 75 Whisk, No.3 2 75 BRUSHES Scrub Solid Back, 8 in. ---- 1 50 Solid Back, 1 in. ---- 1 15 Pointed Ends -------- 1 25 Stove se Shaker -------—------ Na $0: — 2 00 Peerless ~~------------ 2 60 Shoe ee No. 4-0 _.-----.------- No. 2-0 2 3 00 BUTTER COLOR Dandelion ------------ 2 85 CANDLES Electric Light, 40 Ibs. 12.1 Plumber, 40 ibs. ----- 12.8 Paraffine, 68 --------- 14% Paraffine, 12s ------- 14% Wicking —____-_______-- 40 Tudor, 6s. per box -- 30 CANNED FRUITS Hart Brand Applies Ne 16 5 75 Blackberries ete ee 75 Pade of Michigan -_-- 3 25 Cherries Mich. red, No. 10 ----11 75 Red, No. 10 12 Red, No. 2 4 Pride of Mich. No. 2.. 3 55 Marcellus Red 3 Special Pie ---- Whole White ~-------- 3 Gooseberries No 40 2 00 a 19: 92. glass 3 65 glas 5 Pride of Mich. No. 2% 4 20 Plums Grand Duke, No. 214__ 3 25 Yellow Eggs No. 2%4-- 3 25 Black Raspberries Noo 2 ee 3.75 Pride of Mich. No. 2_. 3 25 Pride of Mich. No. 1_- 2 35 Red Raspberries ; Pride of Mich. No. 2... ; 38 Strawberries Marcellus, No. 2 3 Pride of Mich. No. 2__ 3 75 CANNED FISH Clam Ch’der, 10% oz. 1 Clam Chowder, No. 2_ 2 Clams, Steamed. No. 1 3 00 Clams, Minced, No. % 2 Finnan Haddie, 10 oz. 3 Clam Bouillon, 7 oz._ 2 Chicken Haddie, No. 1 2 Fish Flakes, small __ 1 Cod Fish Cake, 10 oz. 1 Cove Oysers, 5 oz. __ 1 75 Lobster, No. \%, star 2 Shrimp, 1, wet 2 Sard’s, % Oil, Key __ 6 Sard’s, 4% Oil, Key __ 5 00 Sardines, % Qil, k’less 4 75 Salmon, Red Alaska__ Salmon, Med. Alaska 2 85 Salmon, Pink, Alaska 1 35 Sardines, lm. %, ea. 10W ‘ e November 26, 1930 MICHIGAN TRADESMAN 8 Hominy Pecans, 8, star ---___ 25 DIN Pickles Bulk HERRING Gold Dust, 12 Large 3 20 TABLE SAUCES Pearl, 100 lb. sacks __ 3 56 Pecans, Jumbo ------ 40 5 Gal. 200. 20s 5 25 Holland Herring Golden Rod, 24 ,----_ 425 Lea & Perrin, large_. 6 00 Pecans, Mammoth -- 50 16 Gal., Gd0: 4 Ut: 11. 25 Mixed.) Kees) 20 15 Wa France Laun., 4 dz. 360 Tea & Perrin, small_. 3 35 Walnuts, Cal. ---_ 27@29 45 Gal., 1300 _----_-- 30 00 Mixed, half bbls. ____ 11 35 Old Dutch Clean, 4 dz.340 Pepper... 1 60 Macaroni ERICKOFY 225. o2 es Us Mixed, bbls. ----__-- 22 00 Uetagon, 96s ..2.._ 398 Royal Mint _---_.--_ 2 40 Mueller's Brands. . Milkers, Kegs -_____- I 2b. Ringo, 4@8. 3 20 Tobaseo, 2 oz. ------_ 4 25 9 oz. package, per doz. 1 30 PIPES Milkers, half bbls. -- 12 50 Rinso, 24s -____-____ 5 25 Sho You, 9 oz, doz._. 2 25 9 oz. package, per case 2 6¢ a a Cob, 3 doz. in yx. 1 00@1 20 = Milkers, bbls. ~--____ 24 50 Rub No More, 100, 10 <“ A-l. large; 2 445 . > 4b ---------- * ‘ 0%, —~--~-~----~-=---~ A-1! small ___. 3 15 Lake Herring Rub No More, 20 - 40 3g ia PLAYING CARDS % Bbl, 100 Ibs. 650 Spotless Cleanser, a Caper: 2 om. “ Elbow 20 Ib ecae 6% @8 Shelled Battle Axe, per doz. 2 65 20 Om 85 TEA Wg’ Noodle. @ ibe. 4 Boa coca ee Se er ae ns SOP Staickaral gani Rlugh, 1 doz. --225 __ Blodgett-Beckley Co. igs Ib. bags --------- 12 peccana: Tubs. 60 Count, ty. fat 6 00 Soapine, 100, 12 oz, 6 40 wicca 4S 2 ee ‘ ae ; s vboy, OZ —_ Pearl Barley Pecans Salted ____-_--- g7 Babbitt’s, 2 doz. ____ 2 75 Eee te ee Pence fat 3 00 Snowboy, 12 Large .. 2 65 0000 ee 00 Walnut Burdo -___-__- 67 Speedee, 3 doz. _____- € 20 Japan Barley CMte fe FRESH MEATS White Fish Sunbrite, 50s ________ 2 Medium -_———__. ~- 35@35 ier Beef Med. Fane i ta ae, Wiandote, 48 20 4 75 olce ----_-- 37@52 MINCE MEAT Top Steers & Heif. 20 wiikers, bbls. 18 69 WYandot Detere’s, 248 2.75 Faney 7 52@61 None Such, 4 doz. ___6 47 Good St’rs & Hf. 154¥@18 KW KK Nocwar 0 19 5U No. F Nibba 220 4 _ Sage Quaker, 3 doz. case __ 350 Med. Steers & Heif. _.14 y yp il Le ae SOAP 1 Ib. vkg. Sifting -.____ 14 in ete lw Libby. Wome, wet, th. 22 Com. Stems @ Hell 212 Gi punen > 180 a pe oa Boned, 10 Ib. boxes __ 16 erecar whee ten os Choles Gunpowder ea spas ’ a= 9 OS. COIR . 40 a oe oLives eel 19 SHOE BLACKENING — BS Tak. 08 Lo 4 1g Faney tr Minule, 8 o%, a dos a Us ,4 % Jar, Blain, doz, 115 Good -—22 12 3,18, 1 Paste, doz. 135 Flake White, 10 box 3 60 Dromedary Instant __ 3 50 1k oo. . Pinin’ oe 675 ee ee eT Soe echo elena ee * Ee Grdma White Na. 103s 3 75 Pekoe wien” Pint Jars, Plain, doz. 2 75 aus a ee ie a mt ss Se " Jiffy Punch Quart Jars, Plain, doz.5 00 Spring Lamb _____..._ 18 Shimola. doz, _) 90 Palm Olive. 144 box 9 50 English Breakfast S dos Coste te PORE Glee dues Fin Good 16 Tawa. 108 fos ox 950 Congou, medium _______ 28 Assorted flavors. 5 Gal. Kegs, each __.. 750 Medium --______________ 13 STOVE POLISH Octagon, 120 1... 5 on © CORSOu, Choice __-_"35@36 3% oz. Jar, Stuff., doz. 135 Poor ~_-___--__________ 11. Blackne, per doz. __ 135 Pummo. 109 box 4x5 Congou, Fancy ____ 42@43 6 oz. Jar, Stuffed, doz. 2 25 Black Silk Liquid, dz. 135 Sweetheart. 100 box _. 5 70 FLOUR 9% oz. Jar, Stuff., doz. 3 75 Mutton Black Silk Paste, doz. 1 25 Grandpa Tar, 60 sm. 2 10 Vv. C. Milling Co. Brands ! Gal. Jugs, Stuff., dz. 270 Good __. yg HEmameline Paste. doz. 135 Grandna Tar, 50 Ige. 3 59 lily White (0 Medium 9.0 20505 29s 11 Hmameline Liquid, dz. 135 Trilhv Soan, 100. 10¢ 7 25 Harvest Queen ________ Poor 2 10 FE. Z. Liquid, per doz. 140 Williams Rarber Bar, 9s 50 Yes Ma'am Graham PARIS GREEN Radium, per doz. __. 1 35 Williams M a Pe eee ee ea 34 Risi S aa a s ug, per doz. 48 TWIN ~~ 220 jae u Pork Pe oe. ber doe 1 i Coton, 3 ply con ---------------------- ove na \ ie Pp co ae Se and be 2 80 Boin: med, 2 19 Vuleanol, No . dan a SPICES Cotton, 3 ly Balls oo 2 Lee & Cady Brands Utes, 2 ee 16 Vulcanol, No. 10. doz. 1 35 Whole Spices Wool, 6 ply ____ — 18 American Eagle ---. ehoulders, (02 14 Stovoil, per doz. _ 390. Alispice; Jamatesn «=. ss @ 40 = Home Baker ___.___. Spareribs 2 13 Ske Cloves, Zanzibar ___. @50 VINEGAR Weck bones (22200) 05 SALT Cassia, Canton __ _ @°° Cider, 40 Grain 9 hie ag meee Trimmings -------_--__- 11 Solonial, 24, 2 Ib. -..._ 80 Cassia. 5c pkg, dom. @4e White Wine, 80 grain 24 E NN ; es r a BO es 7 c —— F. O. B. Grand Rapids aay PROVISIONS Gee ars | Sines, Cnehi @40 © Wine. 40 grain__ 19 Malt pint 3 7 50 Wontipu Barreled Pork Med. No © Bie oe 5 22 Mace Penang fey 39 One oe 7 75 ae Clear Back __ 25 00@28 00 Med. No.1, 100 lb. bk. - gg. Mixed. No. 1” @32 WICKING One qnact 2 9 Ww a Short Cut Clear26 00@29 00 Farmer Spec., 70 Ib. 95 Mixed. 5e nkes.. doz. M45 Ne. 0, per gross ______ 80 Haale gallon 2ooooo BI Deis Eackers Moai, 50 lb, 31 Nutmoes. Toman" aay No. 1 per srone <4 3p eats rushe ock for ice : ae vs f | ee Stee = : oe sent Glass Top DS Bellies __ 18-20@18-17 cream, 100 Ib., each 8 Pepner, Black -_______ 41 eo SrOss ~-—_. 2 30 a Butter Salt, 280 Ib. bbl.4 24 Hacheates at Per Som 50 Sac w aart ------ ee Block, 50 tbo 0 40 Pure Ground in Bulk Rochester’ ue: < doz. 50 Half gallon Bel Car-Mo Brand Bigs fe fe 1% foie = _ bbl. ¢ i) Allspice, Jamaica -__. @40 Rayo, per ion Le 241 1b. Tine A ee ee ere ae SS ee ee GELATINE 8 oz., 2 doz. in case 265 50 Ib. tubs _.advance 4% 28 Ib. bags, Table 11. 35 Gassi®. Canton --2___ moe Jell-O, 3 doz. ~---_--- 85. 16 Ib. pails 0 20 Ib. pails ____ad Gl Hickory. Ss aaa “7 Ginger Coprkin 27) = @33 WOODENWARE Minute, 3 doz. ------ 46 8h wie eh ie ade 2 en Masta? @32 » Baskets Plymouth, White ---_ 1 55 5 Ib. pails ____advance 1 Mace Vexate 1.29 Bushels, narrow band Quaker, 3 doz. __.___ 2 25 3 Ib. pails ____advance 1 we Binek os Bon handles ____-’ 4 75 PETROLE Compound putmegs -~2---------— 43. Bushels. narrow band. SURESET PRODUCTS From Pan Ueeeee os Compound, oo eS = Pepper, White 200 | @57 _ wood handles saves 1 80 Made in Grand Rapids Red Crown Gasoline ..19.7 © Pepner. Cavenne -_ @40 Market, dron handie__ 90 Red Crown Ethyl .... 22.7 Suaisacs Paprika. Spanish ____ @45 Ree Single handle. 9 Solite Gasoline __-_-_- 22.7 Bologna a F sie Ko 1 60 2c easoning . Se 2 (AO Hiver 1x aa Splint, medi 7 me in iron Barrels = Frankfort _......... Chili Powder, 15¢ ___. 135 Splint’ um’ ------ 7 50 Perfection Kerosine . 14.6 oe ee tiers cee 20 Celery Salt, 3 oz. ____ 95 Splint, Siialy 6 50 Gas Machine Gasoline 38.1 Veal ______ Same, 2.0% —- ae 90 V. M. & P. Naphtha_. 18.8 Tongue, Jellied _......~ Oe cal Tene i 3 Barrel, 5 4 h ae Rarlic 2 ‘ .f -. each __ 2 40 iso-vis MoTOR o1Ls 1 °*dcheese ; ee Be 3 to 8 eet al. cach. 2 rs itchen Bouquet —__ 50 + per gal. __ In Iron Barreis Smoked Meats Taurel Teaves ______ 20 s t Gelatin D Hams, Cer. 14-16 Ib. @26 Marioram, 1 oz. ____- © Pails urese elatin Des- Hams, Cert., Skinned Savory, | 07. 2220) 90 at. Galvanized 2 sert. 4 doz. -------- 3 20 16-18 lb Thyme {nz _ so 12 ot. Galvantad” 9 oc pene Qe £3iiineeeey .$o... ge -------- ‘ oe . =. 2-85 Ham, Tumeric, 2 pee 14 qt. G ' JELLY AND PRESERVES p oon au a ° Bat Mere ea fi Pure, 30 ib. pails --_. 3 30 California Hams 10 qt. Ti : ey Imitation, 30 Ib. pails 1 85 larine Pienie Baling? -- G1t% : STARGH nm Dairy .__.4 09 Pure, 6 0z., Asst., doz. 90 Hams 20 @25 ve Run & = 26 oz. ; “ Corn a Pui es . dz. Ho ive case lots -.---- 3 Ki \ raps ure Pres., 16 oz., dz. 2 40 Boiled Hams eo @39 Iodized, 32, 26 oz. -- 2 40 woe fl ae "4a Mouse, Wood, 4 holes. an JELLY GLASSES ot ams 2) @18 Five case lots -_---- 230 Argo, 48. 1 Ib. pkes. 360 . xromee’ WOOd: 6 holes, 79 3 a iron Barrels con 4/6 Cert. 24 @31 Cr 48 Mouse, tin, 5 holes 85 Cee Cee Lien were re mene nner 65.1 BORAX @uahe: poy = Giese 4 ba Rat, wood _ a 1 an edium) 220 oo 65.1 Beef er ae Rat. spring ___.. OLEOMARGARINE tae G1 Ropsleus: cme 26 ness Twenty Mule Team Mouse sane Lan Van Westenbrugge Brands Special heavy -_--~... 65.1 Rump, new 29 00@35 pos 24, 1 Ib. packages -- 3 35 Glas. a0 Carload Distributor Extra heavy -------.. 65.1 ; ee 48, 10 oz. packages -_ 4 40 Argo, 48, 1 Ib. pkes. 3 60 Tubs <> Polarine ‘RW’? _-..._.. 65.1 Liver 96, %4 oz. packages __ 4 00 Argo, 12, 3 Ib. pkes. Lar: pkgs. 2 62 ze Galvanized g Tranmission Oil -_--. 65.1 Beef -_-______. 17 Argo. 8 5 Ib pkgs. -. 297 Medium Galvanized ~~ > 0 Finol, 4 oz. cans, doz. 150 Calf _.......077777777 55 CLEANSERS Silver Gloss, 8, 1s _. 11% Small Gale vanized __ 7 75 Finol, 8 oz. cans, doz. 230 Pork ___................ 10 Elastic, 64 pkgs. ____ 5 35. evening? 018 Parowax, 100 Ib. -... 8.3 * Tirer, 49-1 8 gor Parowax, 40, 1 Ib. _. 8.55 RICE Tiger. 59 Ibs. 06° Washboards Parowax, 20, 1 Ib. __ 8.8 Fancy Blue R tt 3anner, Globe _______ sk gn Fancy Head yi aver :'Glase single 7 ‘Ss Corn ay Double Peerless a c Boe, 2 = oe RUSKS Blue Karo, No. 1% .. 284 Single Peerless ~~~ 7 a Nucoa, 2 Ib. --------- ue Karo, No. 5, 1 dz. 4 03. North ae : Dutch 7? uk Co. Blue Karo, No. 10 __ 3 83 ‘Universal Snes cova: : SM Wilson & Co.’s Brands a shh hed Kara No 06.405) ee Oleo “ - — ve — - 26 Red Karo, No. 5, 1 dz. 4 29 | Wood Bowl!s Certified --------------- ’ ---- ed Karo, No. 10 4 09 13 in. Butt Mie 18 12 rolls, per case ____ 1 50 oes o45 in. Button 777 Ta 0 . 12 a: - Butter _____ “9 Special Roll --------- a 12 cartons, per case -- 1 70 Imit. Maple Flavor 17 in. Rutter "7777" 1 eS MATCHES 36 cartons, per case __ 6 00 aoe No. 1%. 2 dz. 3 25 4 m Butter 25 00 Diamond, 144, box -- 4 25 a Ae oe Ae WRAPPIN 4 box_- rf GP ee tab. 144 bx 4 Zu. ‘emdac, 12 pt. cans 3 00 SALERATUS Maple and Cane 3 Fibre, Manila at Ohio Blue Tip, 144 box 5 00 Semdac, 12 at. cans BO ‘end Hanae: 3 75 Kanuck, per gal. ____ 1 60¥¢No. 1 Fibre | white = Ohio Blue Tip. 720-lc 4 00 picKLEs = Kanuck. 5 gal. can .. 6 50), Butchers D F7777777~ — *Reliable, 144 -------- 2 Medina: sour SAL SODA erat cea a « *Federal, 144 -------- 5 gallon, 400 count __ 475 Granulated, 60 Ibs. cs. 1 35 Maple Kraft Stripe 9 09% ran e » $4. i { Safety Matches eS eo See ee er ee Michigan, nee aah 3 NE YEAS 3 7 ofr) Quaker. 5 2ro. case... 425 ous ino 1 00 WASHING POWDERS Welchs. per gal. --__ 3 281i) gagic 3 ao CAKE ss ; 2 8 COD FISH Bon Ami Pd., 18s, box 1 90 ie duniight, § don 7777 NUTS—Whole os 5 Galion, 7890 Middles 20 Pan Ami Caka. 18s __1 62% COOKING OIL pa ‘unlieht, 1% aa Ce 1 = Almonds, Tarragona -— 93 DiN Pickles ae Oo Gere Brille = 2222320 se 85 Mazola Gah coast Foam. 3 doz. __ 9 7p ae ae 32 Gal. 40 to Tin, doz.__ 10 25 Tablets. % Ib. Pure = 19% ctimaline, 4 doz. _--. 4.20 Tints. 2 doz. _______. 6 75°) “east Foam. 1% doz. 1 te aoe aoe See 20 No. 2% Tins __.. .__. 2 25 — a ie Grandma, 100, 5¢ ---- ; ge fo ft d0Z, = 6 25 ilberts, Sicily_ ------ oxes, P . BO . 24 Large -- 3 5 a rallons, 1 doz. _ 11 75a, YEAST— 11 32 oz. Glass Picked__ 2 &0 ure Grandma 4 : ST—comp Pi bho os 13 32 oz. Glass Thrown 2 «| Whole Cod -_____. . _- 11% Gold Dust, 100s ------ 400 ‘“allons. % doz. _-__ 11 30 ‘Fleischmann, mer a te 30 ee a MICHIGAN TRADESMAN November 26, 1930 Proceedings of the Grand Rapids Bankruptcy Court. Grand Rapids, Nov. 18—In the matter of. Trio Motor Sales Co., Bankrupt No. 4177, the trustee has filed his first report and account, and an order for the pay- ment of expenses of administration to date, and preferred claims, has been made. In the matter of Dick Vlastos, Bank- rupt No. 4301. The funds have been received and the first meeting of cred- itors has been called for Dec. 5. In the matter of Edward H. Griner, Bankrupt No. 4292. The funds ha've been received and the first meeting of cred- itors has been called for Dec. 5. In the matter of Paul Evans, individ- ually and doing business as Evans Mar- ket, Bankrupt No. 4280. The funds have been received and the first meeting of creditors has been called tor Dec. 5. In the matter of Walter Bergman, Bankrupt No. 4296. The funds have been received and the first meeting of cred- itors has been called for Dec. 5. In the matter of Frank E. Lawrence, doing business as Lawrence’s’. Service Station, Bankrupt No. 4295. The funds have been received and the first meeting of creditors has been called for Dec. 5. In the matter of Barney B. Mann, Bankrupt No. 4297. The funds have been received and the first meeting of cred- itors has been called for Dec. 4. In the matter of Mabel Barnum, Bank- rupt N. 4276. The first meeting of cred- itors has been called for Dec. 4. In the matter of Davidson Furniture Co., Bankrupt No. 4053, the trustee has filed his second report and account, and order for the payment of current expenses and a first dividend of 10 per cent. to creditors has been made. Nov. 18. We have to-day recéived the schedules, reference and adjudication in the matter of Harry L. Robbins, Bank- rupt No. 4307. The bankrupt is a’ resi- dent of Watervliet. and his occupation is that of a laborer. The schedule shows assets of $200 with liabilities of $6,963.80. The court has written for funds and upon receipt of same the first meeting of creditors will be called. Nov. 14. On this day was held the first meeting of creditors in the matter of Wildwood Outdoor Club, Bankrupt No. 4242. The corporation bankrupt was present by its book-keeper, but not rep- resented by attorneys. Creditors were present and represented by Dunham, Cholette & Allaben, attorneys and by G. R. Credit Men’s Association and Central Adjustment Association. Claims were filed only. The book-keeper of the bank- rupt was sworn and examined without a reporter. Fred G. Timmer, of Grand Rapids, was appointed trustee, and his bond placed at $100. The first meeting then adjourned without date. Nov. 14. On this day was held the first meeting of creditors in the matter of George Antekeier, individually and as People’s Quality Market. Bankrupt No. 4260. The bankrupt was present in per- son and represented by attorney Freeman W. Haskins. Creditors were represented by attorneys Travis, Merrick & Johnson and by Grand Rapids Credit Men’s As-. sociation. Claims were proved and al- lowed. No trustee was appointed for the present. The first meeting then adjourn- ed to Nov. 21. On this day was held the first meeting of creditors in the matter of Elon K. Conklin, Bankrupt No. 4275. The bank- rupt was present in person and repre- sented by attorney Willis B. Perkins, Jr., and by G. R. Credit Men’s Association and Central Adjustment Association. Claims were filed only. The bankrupt was sworn and examined with a reporter present. Shirley C. De Groot, of Grand Rapids, was eected trustee, and his bond placed at $1,000. The first meeting then adjourned without date. Nov. 19. We have to-day received the schedules, reference and adjudication in the matter of Orville Bean, Bankrupt No. 4309. The bankrupt is a resident of Comstock Park, and his occupation is that of a laborer. The schedule shows assets of $150 with liabilities of $6,348.52. The court has written for funds and upon receipt of same the first meeting of cred- itors will be called. Nov. 14. On this day was held the first meeting of creditors in the matter of Dexter Somes, Bankrupt No. 4277. The bankrupt was present in person and rep- resented by attorneys Travis, Merrick, Johnson & McCobb. No creditors were present or represented. Claims were proved and allowed. No trustee was ap- pointed. The bankrupt was sworn and examined without a reporter. The first meeting then adjourned without date,.and the case has been closed and returned to the district court. as a case without as- sets. On this day also was held the first meeting of creditors in the matter of John Westerhouse, Bankrupt No. 4282. The bankrupt was present in person and represented by attorneys Turner, Engle & Cochran. No creditors were present or representd. No claims were proved and allowed. No trustee was appoint- The bankrupt was sworn and examined without a reporter. The first meeting then adjourned without date. and the case has been closed and returned .o tne district court, as a case without assets. On this day also was held the first meeting of creditors in the matter of Ferris J. Hale, Bankrupt No. 4281. The bankrupt was present in person and rep- resented by attorneys Turner, Engle & Cochran. Creditors were present in per- son. No claims were proved and allowed. No trustee was appointed. The bankrupt was sworn and examined, without a re- porter. The first meeting then adjourned without date, and the case has been closed and returned to the district court as a case without assets. In the matter of Mabel Barnum, Bank- rupt No. 4276. The sale of assets has been called for Dec. 5, at the premises formerly occupied by the bankrupt. at Stanton. The following property will be sold, all the stock in trade, consisting of Stationery, notions, gift goods, dry goods, ladies’ and children’s clothing, apparel and accessories, dishes, crockery and toilet articles, all appraised at $1,105.54, together with attendant fixtures apprais- ed at $278.75, all used in the bankrupt’s business as a retail variety store. All interested in such sale should be present at the date and time above stated Nov. 17. On this day was held the first meeting of creditors in the imatter of Walter Krause, Bankrupt No 4271. The bankrupt was present in nerson and represented by attorney C. F. Olmstead. Creditors were represented by attorney W. G. Alway. No claims were proved and allowed. The bankrupt was sworn and examined without a reporter. W. G. Alway, was appointed trustee. and his bond placed at $100. The first meeting then adjourned without date. On this day also was held the first mecsting of creditors in the matter of Peter Hockstad, Bankrupt No. 4284. ‘The bankrupt was present in person and rep- resented by attorneys Patchin & Leifredo. No creditors were present or represented. Une claim was proved and allowed. No trustee was appointed. The bankrupt was sworn and examined without a re- torter. The first meeting then adjourned without date. and the case has been closed and returned to the district court, as a case without assets. In the matter of L. F. Buchanan, Bankrupt No. 4218, the trustee has filed his first report and account, and an or- der for the payment of expenses of ad- ministration and preferred claims has been made. In the matter of Charles Richmond, Bankrupt No. 4231, the trustee has filed his first report and account, and an order for the payment of expenses of adminis- tration and preferred claims, and a first dividend of 5 per cent. to general claims has been made. Nov. 21. We have to-day received the schedules. reference and adjudication in the matter of Ralph A. Kergen, Bank- rupt No. 4310. The bankrupt is a resi- dent of Grand Rapids, and his oeeupation is that of a laborer. The schedule shows assets of $29,495.83 of which $6,495 is claimed as exempt, with liabilities of $26,248.61. The court has written fer funds and upon receipt of same the first meeting of creditors will be calied. Nov. 21. We have to-day received the schedules, reference and adjudication in the matter of Mrs. Ralph A. (Veda) Kergen, Bankrupt No. 4311. The bank- rupt is a resident of Grand Rapids. The schedule shows assets of $29,609.83 of which $6,095 is claimed as exempt, with liabilities of $26,011.63. The court has written for funds and upon receipt of same the first meeting of creditors will be called. In the matter of Frank L. Billings, Bankrupt No. 4036, the trustee has filed his final report and account, and a final meeting of creditors was held Nov. 10. The bankrupt was not present or repre- sented. The trustee was present in per- son. Creditors were represented by Cen- tral Adjustment Association. Claims were proved and allowed. An order was made for the paymen of expenses of adminis- tration. as far as the funds on hand would permit. There were no dividends. No objections were made to the discharge of the bankrupt. The final meeting then adjourned without date, and the case will be closed and returned to the district court in due course. Nov. 21. We have to-day received the schedules, reference and adjudication in the matter of Rockaway Chop & Oyster House. formerly known as Vienna Lunch, a corartnership, Bankrupt No. 4312. The bankrupt concern is located at Gran: Rapids. The schedule shows assets of $1,000 with liabilities of $8,584.01. The first meeting of creditors will be called and note of same made herein. The list “sd creditors of said bankrupt is as fol- OWS: City of Grand Rapids ____________ $197.97 Iva Helmer. Grand Rapids ______ 24.00 Christ Kotsifis. Grand Rapids ____ 70.00 Lucille Murray, Grand Rapids ____ 10.00 Grace Misner, Grand Rapids ______ 4.00 National Cash Register Co., G. R. 170.00 Consumers Power Co., Grand Rap. 451.00 Arctic Dairy Products Co., G. R. 35.00 American China Co., Chicago ____ 20.00 Aetna Wii dow Cleaning Co., G. R 5.00 Boyland Co., Grand Rapids ______ 10.00 Bayuk Cigars, Inc., Grand Rapids 9.80 Coffee Ranch. Grand Rapids ______ 388.84 Mrs. Jay Eaton, Grand Rapids __ 280.43 Enterprise Elec. Co.. Grand Rapids 10.65 Water Works. Grand Rapids ______ 16.21 GHP Cigar Co., Grand Rapids __. 8.50 G. R. Creamery Co., Grand Rapids 8.28 G. R. Store Fixture Co., Grand R. 287.89 Gray Beach Cigar Co.. Grand Ran. G. R. Coat & Apron Co., Grand R. 7.50 Holland Cigar Co., Grand Rapids 68.70 Holsum Baking Co,, Grand Rapids 179.50 Himes Coal Co., Grand Rapids ___. 32.00 Herald Publishing Co., Grand Rap. 53.00 James Howell, Grand Rapids ____ 1,574.16 Imperial Candy Co., Grand Rapids 202.00 Kent Storage Co., Grand Rapids __ Lockwood & Co., Grand Rapids __ Muir Plumbing Co., Grand Rapids 103.38 Ryskamp Bros., Grand Rapids __ 2,142.49 H. C. Schneider Cigar Co., G. R. 7.50 J. P. TenHoor, Grand Rapids ____ Van Eerden & Co., Grand Rapids__ 18.54 Van Driel & Co., Grand Rapids __ 24.45 Vanden Bosch & McVoy, Grand R. 42.51 Valley City Pie Co., Grand Rapids 214.00 Lee & Cady, Grand Rapids ______ 309.83 Wolverine Spice Co., Grand Rap. 15.11 X Cigar Co., Grand Rapids __-___ 23.11 P. D. Mohrhardt, Grand Rapids __ 235.00 G. R. National Bank, Grand Rapids 280.00 I. M. Helmer, Grand Rapids ______ Christ Kotsifis, Grand Rapids ____ 3 Consumers Power Co., Grand Rap. 245.50 Continental Coffee Co., Chicago __ 3.40 Consumers Power Co., Grand Rap. Ellis Bros. Co., Grand Rapids ____ E. B. Gallagher Co., Grand Rapids 2.50 G. R. Water Works, Grand Rapids 80.00 Gas Light Co., Grand Rapids ____ 56.13 Hobart Co., Grand Rapids —_______ 20.00 Hecht Produce Co., Grand Rapids 2.00 H. J. Heinz Co., Grand Rapids ____ 6.55 Jas. Howell, Grand Rapids ______ unknown J. Jones, Grand Rapids ____________ 6.00 H. Leonard & Sons, Grand Rapids 5.00 C. Himes Coal Co., Grand Rapids 24.90 P. D. Mohrhardt, Grand Rapids __ 25.00 Mich. Bell Tele. Co.. Grand Rapids 22.95 Nehi Bottling Co., Grand Rapids__ 6.35 Ryskamp Bros., Grand Rapids ____ 66.66 Rademaker & Dooge, Grand Rapids 4.00 TerMolen & Hart, Grand Rapids __ 5.90 Van Eerden Co., Grand Rapids __ 4.63 Wolverine Spice Co., Grand Rapids 14.51 Wilson & Co., Grand Rapids ______ 14.0u Noy. 21. We have to-day received the schedules, reference and adjudication in the matter of Virgil Morris, Bankrupt No. 4314. The bankrupt is a resident of Algoma township, and his occupation is that of a laborer. The schedule shows asses of none with liabilities of $688.92. The court has written for funds and upon receipt of same the first meeting of cred- itors wiil be called. Nov. 21. We have to-day received the schedules, reference and adjudication in the matter of Howard F. Dark, Bankrupt No. 4313. The bankrupt is a resident of Kalamazoo, and his occupation is that of a laborer. The schedule shows assets of $300 of which the full amount is claimed as exempt, with liabilities of $970.81. The court has written for funds and upon receipt of same the first meeting of cred- itors will be called. Nov. 24. We have to-day received the schedules, reference and adjudication in the-matter of Tony J. Collins, Bankrupt No. 4315. The bankrupt is a resident of Muskegon Heights, and his occupation is that of a jeweler and real estate broker. The schedule shows assets of $1,021.90 of which $250 is claimed as exempt, with liabilities of $4,961.56. The court has writ- ten for funds and upon receipt of same the first meeting of creditors will be called. The list of creditors of said bark- rup is as follows: Charles Harringon, Muskegon Hts. $240.09 First State Savings Bank, Mus. H. 1,400.00 S. Larus & Son, Chicago __________ 906.43 G. Stinfield, unknown ____________ 783.00 Clarence Champayne, Muskegon__ 380.00 Carl Strause, Buffalo, New York __ 215.68 Joseph Haan Co., Chicago ________ 288.09 C. H. Boelkins & Son, Musk. Hts. 200.00 Henry Pauison Co., Chicago _____ 84.00 Rosenburg Co., Toledo ~___________, 63.01 Hardie Jewelry Co., Holland ______ 45.25 R. E. Burgess Optical Co., Chicago 31.26 Olson & Biermati, Chicago ________ 26.58 C. EF. Smith. Buffalo. N.Y. . 30.00 Butler Bros., Chicago ___._._._____ 71.86 Swartchild Co., Chicago __________ 38.00 Mona Lake Ice Co., Muskegon H. 388.75 Chronicle, Muskegon ____________ 28.00 M. H. Record Pub. Co., Musk. H. 15.05 Charles Herrington, Muskegon H. 28.00 Nov. 24. We have to-day received the schedules, reference and adjudication in the matter of Harrison S. Dewey, Bank- rupt No. 4316. The bankrupt is a resident of Grand Rapids, and his occupation is that of a painter and decorator. The schedule shows assets of $8,026.16, with liabilities of $15,428.29. The first meeting of creditors will be called and note of same made herein. Nov. 24. We have to-day received the schedules, reference and adjudication in the matter of Abram N. Shook, doing business as A. N. Shook & Sons, Bank- rupt No. 4317. The bankrupt is a resi- dent of Grand Rapids, and his occupation is that of a merchant. The schedule shows assets of $4,282.57 of which $600 is claimed as exempt, with liabilities of $4,093.26. The first meeting will be called and note of same made herein. The list = creditors of said bankrupt is as fol- Ows: City of Grand Rapids ____________ $105.13 G. R. Savings Bank, Grand Rapids 3.0.00 Northwestern Mutual Life Ins. Co., firand Manige: 1,100.00 American Printing Service, G. R.-_ 6.25 Blatz Brewing Co., Grand Rapids 5.25 Blue Valley Creamery Co., G. R. 7.02 J. J. Burgegeraaf, Grand Rapids __ 8.56 Coffee Ranch, Grand Rapids ______ 60.78 Conklin Creamery Co., Conklin __ 191.17 Consumers Power Co., Grand Rap. 19.34 Rademaker-Dooge Gro. Co., G.-R. 314.35 Ellis Bros. Co., Grand Rapids ___. 2°.35 Gast Motor Sales Co.. Grand Rap. 15.73 G. R. Paper Co., Grand Rapids __ 4.75 G. R. Wholsale Grocery Co., G. R. 164.92 Hecht Produce Co., Grand Rapids 149.13 Hekman Biscuit Co.. Grand Rapids 95.40 Hills Bros., Grand Rapids ________ 14.40 Holland-American Wafer Co.,G. R. 6.94 Harvey Hyde, Grand Rapids _____ 6.25 Jennings Mfg. Co., Grand Rapids__ 9.93 Lee & Cady. Grand Rapids ______ 133.42 F. H. Leggett & Co., New York__ 126.16 Harry Meyers, Grand Rapids ____ | 2.25 Michigan Bell Tel. Co., Grand R. 7.75 C. W. Mills Paper Co., Grand Rap. 15.24 ‘U Donald & Scott. Grand Rapids 70.00 Abe Schefman, Grand Rapids ____ 124.57 Sherman Bros. Co., Chicago ______ 50.92 Skelly Chepman Co., Chicago ____ 109.32 Sprague Warner Co., Chicago ____ 386.42 Standard~Brands, Inec., Chicago __ 22.56 Universal Car & Service Co., G. R. 18.09 Van Drielle & Co.. Grand Rapids 8.90 Voight Milling Co...Grand Rapids__ 21.65 Watson-Higgins Milling Co., G. R. 14.70 Williams & Marcroft, Inc., G. R. 15.90 Zeerleyn Estate, Grand Rapids __ 760.00 Nov. 17. On his day was held the first meeting of creditors in the matter of Lucy Otis, doing business as the Club Cigar Store, Bankrupt No. 4287. The bankrupt was present in person and rep- resented by attorney Kim Siglir. Cred- itors were present in person. Claims were filed only. The bankrupt was sworn and examined, without a reporter. C. W. Moore, of Belmont, was appointed trus- tee. and his bond placed at $1,000. The first meeting then adjourned without date. On this day also was held the first meeting of creditors in the matter of James A. Konstant, Bankrupt No. 4285. The bankrupt was present in person and represented by attorneys Corwin, Nor- cross & Cook. Claims were filed only. Creditors were present in person and represented by attorneys Wykes & Cooper and by G. R. Credit Men’s Association. The bankrupt was sworn and examined without a reporter. Peter Van Allsburg, of Grand Rapids, was named trustee, and his bond placed at $100. The first meet- ing then adjourned without date. —_—_2++___ Viscose Makes Price Guarantee. An an announcement of a sixty-day price guarantee was sent last week to its customers by the Viscose Co. ‘No action, however, was taken by the du Pont Rayon Co., although an execu- tive of the company said that consid- eration was being given the matter. The Viscose guarantee came on the heels of an announcement by the Tu- bizez Chatillon Corporation that it will guarantee prices to customers for a sixty-day period against possible de- cline. The step was taken to restore confidence among buyers in rayon quo- tations, owing to persistent reports of an impending decline in prices. —— Jobbers Placing Swim Suit Orders. Jobbers, particularly in the Mid- West, are placing fairly substantial or- ders for bathing suits. Some of the large chains have also bought a good portion of their initial commitments, . in a few instances exceeding the pur- chases made at this time last year. Men’s speed model suits and women’s sun-back styles are being ordered, partically to the exclusion of other models. Buying of heavy sweaters such as shakers and sport coats has been practically completed, selling agents reported, although they expect to dispose of a few small lots of goods from time to time. —_+<-~-____ Paper Container Sales Off 5 Per Cent. A drop of 5 per cent. in the business of paper board container manufacturers were reported when members of the Pasteboard Industries Association gathered at the Hotel Commodore at New York last week for their annual meeting. The showing made by the container manufacturers was regarded as excellent in view of the fact that 1929 was an abnormally active year for the trade. Use of paper boxes for the distribution of frozen food was said to have opened a new volume outlet. a Most worthwhile pictures haye a dark background, eS Tam November 26, 1930 Story of Certain Aspects of Personal Credit. (Continued from page 20) all over us. I'll tell you why. You talk to the proprietor who has some- thing besides his salary at stake. Bank- ing here is run from the head office. Managers are told what to do and how to do it. Our own local branch manager is known for his poor pay. He owes me since 1924. I sometimes borrow the ‘bank interest tables to fig- ure interest on his account. His wife issues post dated checks, so does he. When he went on his vacation he did this all over, so how could one consult with him? Here is an amusing inci- dent: The milkman needed funds and asked credit at the bank. The man- ager lectured him for not collecting his bills. So the milkman got back at him with :‘Well, let’s start right here. How about your own account, nine months old?’ But the manager could not pay until he got his check at the end of the month. ‘Milkman said that was what they all said, so he had to go to the bank for a loan. He did not get the loan because head office instructions did not admit of that!” Branch banks with us have so far been an element of stability and have enabled the financing of projects too big for local banks. I incline to think my correspondent lives where many sound business rules are disregarded. Paul Findlay. ae Making Store Space Pay Its Way. Obtaining a maximum income per square foot of space is a problem in many stores. In this same connection, how to obtain a satisfactory return for small unused space and what to put in to replace unprofitable lines or depart- ments is a source of worry to count- less merchants. The solution of these problems is claimed by a number of retailers who have reported leasing space or departments to outside indi- viduals or companies. The types of organizations to whom space may be leased are: 1. A subsidiary company, organized by a manufacturer for the purpose of finding a new or larger field of con- sumer distribution. 2. An individual, or one-man lease, who may, through his own sales force, specialize in the sale of some product which does not directly compete with the goods sold by the lessor. 3. A “syndicate” functioning as a specialist in the sale of one kind of merchandise, which forms a chain of leased departments under centralized control. Advantages to the persons leasing the space are: 1. A share in the good-will of the store name, 2. A location in a developed market where a certain volume of trade is al- ready waiting. 3.. Control of stock and the show- ing of a complete line. 4. Control of retail selling prices. 5. Specialized knowledge of the product. 6. Intensive sales promotion. While there is no available stand- * ‘ard form of contract which in its en- tirety will fit all cases of department MICHIGAN TRADESMAN leasing, there are a number of prac- tices generally used in this connection. Leases for a period of a year or less are common, although in special cases, space has been contracted for three years and longer. The leasing rate varies with the type of store, the kind of merchandise han- dled, and other special considerations in each case. The lessor’s renumera- tion for department or space leases is usually on one of these plan.: 1. On a flat-rate basis. 2. Percentage of net profits. 3. Percentage of gross profits. 4. A combination of the above. In addition to the term of lease, and rental rate, specific conditions regard- ing the use of display windows, space in the store advertisements, bargain tables, etc., are usually written into the leasing contract. The experience of merchants who have leased space or departments in their stores to outsiders leads to the suggestion that other factors than merely the monetary return should bz considered. It is suggested that these matters should also be weighed in the order of their importance: 1. Is the product to be sold by les- see one that does credit to the store? 2. Will it help or detract from sales of adjacent departments? 3. ‘Will it bring new customers into the store? 4. If leased department is under absentee direction, what control wi'l the lessor have over employes of the department? —_>+~>_____ Local Co-operation For Traffic Safety. We have established over three hun- dred local safety committees in the various cities and towns throughout the State of Massachusetts. They are carrying on investigations in an effort to devise and put into effect methods that will prevent many of the accidents now occurring upon the streets and highways. Many municipalities are co-operating in this work, as are the various state departments. Steps have already been taken to make regulations and signs more uniform throughout the State, thus simplifying the movement of traf- fic for both the motorist and pedes- trian. All the municipal agencies are doing a great deal to prevent accidents. This safety work is a personal matter, and every one, both motorist and pedes- trian, must assume the responsibility that is his own by practicing precau- tion at all times. Many boys and girls are injured on the streets. By crossing them carefully at all times, by using the proper cross- walks, by obeying the signal of the traffic officer and by refraining from playing in the streets, the young peo- ple will be doing their part in this great work. Boys and girls who are now pedes- trians will soon be automobile drivers. It is important that they know how to think and act safely. If they begin now by forming safety habits they will grow up to be citizens of the state, prepared to assume the responsibilities which go with capable citizenship. Frank G, Allen, Governor of Massachusetts. ——_-~> > The Right Wrapping Paper. A West Side grocer has given some study to the importance of paper used in his store. He says, “There is a fine chance for discriminating buying in the matter of wrapping paper. There are some merchants to whom paper is pa- per, as long as it will go around the article to be wrapped. In some lines of business perhaps this sort of policy is justified—but not in the food busi- ness. The container has a lot to do with the satisfaction of the customer. “Even so small an item as wrapping paper represents an investment—and it should be made with an eye to doing the most good for the business. “For instance—there is the matter of meat paper. Does yours stain through readily? Does it discolor the meats if allowed to stand, or does it hold their color fresh and bright? “The parchments you are using—are they really serving the purpose of parchment papers, or not? “The bags you are using—are they stout enough, or are they allowing leakage before the customer has reach- ed home with the goods?” ——_> +. __ Plan “New Type” Style Show. A new type of fashion show will be an outstanding feature of the twentieth annual convention of the National Re- tail Dry Goods Association to be held from Feb. 2 to 6 at the Hotel Penn- sylvania, New York City. It will dif- fer from the usual style show, accord- ing to Channing E. Sweitzer, manag- ing director, in that fewer garments will be exhibited and each model will clearly define outstanding merchandise points in which buyers can place their confidence of volume business. The models to be shown will be decided upon by a fashion committee and will then be allotted to manufacturers who will produce the garments according to specifications, ———_+-<+___ Size It Up. A leading merchant says, “The big- gest trade-puller any grocery store has is plain, every day courtesy. You aim to be courteous in both manner and speech when you meet customers face to face. “You also aim to be courteous when you answer the telephone, but does your voice actually convey what you want it to? “Does it sound as if you want the customer to hurry up and get done with it? Does it sound flip, smart, or is your phone answer one that im- presses the customer that you are ready to give her all necessary time and consideration?” Do You Wish To Sell Out! CASH FOR YOUR STOCK, Fixtures or Plants of every description. ABE DEMBINSKY Auctioneer and Liquidator 34 So. Jefferson Ave., Saginaw. Mich Phone Federal 1944 31 I Know a Dale. One lovely dale I know Where Beeches. birches, larches Thickly weave their arches For a running brook; Making, too, a nook With a true design Where to drop a line. There Often ramble I With my rod and fly Daffy on a glen. A watered woodsy dale Aye! Every scene or spot A forget-me-not; Not a care is there, Beauty everywhere With unstinted pleasure Which no day could measure Why! It’s acquaintance seems Sweeter than sweet dreams Of a fairy dale. A fascinating dale! When There the brook is humming To the trout so cunning; Ferns and mosses reeking Sunbeams hide-and-seeking Waters dancing, glancing, Everything entranccing— Then Who could fail to wish it One whole day to fish it Up and down—the dale. Charles A. Heath. . — soo BANKRUPTCY AUCTION SALE. By order of the United States District Court. for the Eastern District of Mich- igan, I shall sell at public auction on Saturday, November 29th, 1930, at 10:30 o’clock, Eastern Standard Time, the assets of Joseph H. Rothner, doing business as NATIONAL CLOTHING COMPANY at the premises 121. South Franklin Street, Saginaw, Michigan. Stock consists of men’s suits, overcoats, raincoats, women’s dresses, fall coats, millinery, child’s coats, boy’s suits, over- coats. leather coats, etc. Apvroximately $14,000 book accounts, and the general line of fixtures. All sales are for cash and subject to confirmation by the Referees in Bank- ruptev. ABE DEMBINSKY, Court Auctioneer, Saginaw, Michigan. HON. GEORGE A. MARSTON and HON. PAUL H. KING, Referees in Bankruptcy. yp eRe a Business Wants Department Advertisements inserted under this head for five cents a word the first insertion and four cents a word for each subse- quent continuous insertion. If set in capital letters, double price. No charge less than 50 cents. Small display adver- tisements in this department, $4 per inch. Payment with order is required, as amounts are too small to open accounts. For Sale—On account of death of own- er, a stock of men’s and boys’ furnish- ings. groceries, novelties, and fixtures. $3,000 will take the outfit. Mrs. E. A. Lyon, Bloomingdale, Mich. 358 Business For Sale—Stock of men’s and boys’ clothing, hats and furnishings, also store fixtures. in one of the best cities in Central Michigan. Also six-year lease of building the rental of which is less than two-thirds that of adjoining prop- erty. Failing health reason for selling. Splendid opportunity for young man. Ad- dress No. 359, c/o Michigan Tradesman. * FOR SALE—Money-making grocery in Flint, near Chevrolet. Very low rent. In restricted neighborhood. No chain com- petition. Reason, going back to Boyne City. References Lee & Cady. Symons Bros., or Citizens Bank, Glenwood Branch. O. H. Burlew, 1508 W. 2nd St., Flint, Mich. 357 For Sale—A complete grocery stock, store and fixtures in excellent neighbor- hood community, showing fine annual volume of business. Address No. 355, c/o Michigan Tradesman. 355 I OFFER CASH! For Retail Stores—Stocks— Leases—all or Part. Telegraph—Write—Telephone L. LEVINSOHN Saginaw, Mich. Telephone Riv 2263W_ Established 1909 32 Facts About Women Workers. If one is looking for facts and figures about women workers, for information on their problems, for industrial stan- dards in theory and practice, a rich source of information is one of Uncle Sam’s bookshelves, labeled “Women’s Bureau Bulletins.” These publications will not appeal to the book-lover, the connoisseur of rare and beautiful edi- tions; but anyone who is looking for scientifically established facts on the problems of wage-earning women will find what he wants between the green paper covers of the 80-odd published bulletins of the Women’s Bureau. Problems pertaining to women work- ers are of vital importance, interwoven as they are with the interests of the home, the family, the community, and the race. In fact, the whole social and economic fabric of the Nation is shot through and through with questions concerning women as wage earners. Standards for their employment are a potent force for advancing or retarding National well-being and success. The Women’s Bureau as a result of its scientific investigations, has pub- lications of value to many different groups—to industrialists, business men, employers, and economists from the viewpoint of doliars and cents and production; to sociologists, educa- tors, physicians, and scientists, con- cerned with human welfare, conduct and relations; to forward-looking wom- en interested in the progress of their sex; and to labor groups striving to gain a firmer and higher foothold on the ladder of occupational progress. Turning from generalities to definite details reveals that to the basic ques- tions of women’s hours, wages and working conditions many of the Bu- reau reports are devoted, dealing in a number_of cases with conditions in particular states. of the Bureau to co-operate in this way with State departments of labor, which so often lack the equipment es- sential for such investigations. A number of other reports deal with what women earn, what hours they work, and under what conditions they are employed in certain big women- employing industries in the country. Candy factories, cotton mills, 5 and 10 cent stores, laundries, canneries, meat-packing houses, radio manufac- turing, cigar and cigarette plants con- stitute the varied array of special in- dustry studies by the Bureau. The vital questions of health and safety as related to women workers not only are the subject of particular bulle- tins, but run through most of the Bu- reau’s publications as the essential framework on which other discussions are hinged. Studies of the physiolog- ical basis of the shorter workday for women, industrial poisons, industrial accidents, the effects on women’s health. of employment at night are -some of the most noteworthy contribu- tions by the Bureau along the ‘line of ‘industrial hygiene and safety. ~~ Although the’ lion’s share. of* the ' Bureau’s. program has. been given’ to ‘women who help to keep the wheels -of-industry turning and the arfteries of business pulsating, women in: the professions, whose progress is often It has been a policy. _called Western Field guns are MICHIGAN TRADESMAN checked by traditional barriers, have not been neglected but have furnished themes for several pamphlets. For example, the status of women in Government service, women ‘in the realm of invention, opportunities of women doctors are the subject of re- ports published or pending. The ever-present servant question and the world-old problem of women in farm work have also been given some space on the Bureau’s bookshelf. Mary V. Robinson. 2 2. ____ Gun Makers Sue Mail Order Chains. The Browning Arms Co., of Ogden, Utah, inventors of numerous automa- tic and repeating firearms, both sport- ing and military, including the Brown- ing machine guns, have filed suit in the United *States district court in Salt Lake against Montgomery Ward & Co. and Sears, Roebuck & Co., alleging wrongful use of the name “Browning” in advertising and selling automatic and repeating shotguns. It is claimed that both Montgomery Ward & Co. and Sears, Roebuck & Co. are now advertising and selling guns not manufactured by Browning Arms Co., but are misrepresenting to the buying public that the guns are a product of the Browning Co. It is asserted by the Browning Arms Co. that such procedure is capitalizing on the reputation and standing of the name “Browning” in the firearms busi- ness, and particularly that built up by the production and distribution of its automatic shotguns, and the Browning Co. seeks to have such methods discon- tinued and asks for the profit on the sale of such shotguns as have been sold since the introduction by Sears, Roebuck & Co. and by Montgomery Ward & Co. of the alleged deceptive sales methods. The complaints point out that the defendants are mail order houses sell- ing goods at retail to the public and operating retail stores throughout the United States. The complaints state that both Montgomery Ward & Co. and Sears, Roebuck & Co. circulate catalogues of general merchandise in which, among other things, firearms are advertised, including Browning automatic shotguns, which are illus- trated and designated, “The Genuine Browning Automatic Shotgun.” It is alleged that Montgomery Ward & Co. also lists and illustrates a repeating shotgun which it calls the “Western Field,” and that in the advertisement of the “Western Field Repeating Shot- gun” Montgomery Ward & Co. prints conspicuously the word “Browning,” as “Western Field Browning,” and that the defendant also advertises an auto- matic shotgun which it designates “New Western Field Browning De- sign,’ the word “design” being printed in type so small as to be most invisible. The complaint states that “the so- not made or authorized by the Browning Arms Co. and that the use of the name “Browning” is calculated to and does represent to the public that such a gun comes from the plaintiff and is intend- ed to be and is so understood by the persons to whom the {Montgomery Ward & Co. catalogues are addressed.” The complaint—against Sears, Roe- buck & Co. is similar, except it is stated that Sears, Roebuck & Co. is adver- ay} payjeo uns e& Ruyyjes pue Ssursy “Ranger” repeating shotgun with this description, “A Genuine Browning Model” and “Browning design.” Forty distinct types of firearms have been invented by the Brownings, eight of which were used in the kaiser’s war. —~7++.s__ What Drivers Can Do To Prevent Accidents. : Not so many years ago owners of motor cars placed them on jacks or trestles when cold weather arrived. That was before the State and _ its municipal subdivisions decided upon snow removal, and before motor ve- hicles had reached their present stage of mechanical perfection. Now the State highways are always open, and the majority of cities set aside large sums each winter to clear their streets. But winter driving is not simply, a matter of a clear ‘highway or street— it depends in large measure upon the mechanical fitness and equipment of the car or truck. None but careless or criminally negligent drivers operate without chains when roads or streets are slippery. There is a lesson for every driver in the precautions taken by taxicab com- panies. When the roadway is the least bit slippery cab drivers put on their chains. The employing companies have learned through bitter experience that to operate without chains is a costly proposition, but the average motorist would rather take a chance. He takes no page from the taxicab book of knowledge. In the vast majority of in- stances the brakes on cabs are in per- fect condition. This is another lesson the cab companies have learned. Many operators and owners post- pone until Spring the purchase of new tires. That is false economy. A tread- less tire slides and skids without warn- ing, particularly when worn on a rear wheel. Tires with good treads, plus chains, are insurance against accident and delay. A good windshield wiper is an accessory worth having. Blades for these wipers cost only a few cents, and are really worth their weight in gold. Nothing is so conducive to trouble as a faulty wiper. Coupled with mechanical fitness, of course, the driver needs brains. No smart operator drives at terrific speed on a wet street, particularly when tthe weather is so cold that a film of ice may have formed. The cemeteries are filled with headstones marking the resting places of operators who defied this common sense rule. The smart operator, driving in snow of any depth, recognizes that he faces an additional hazard, and so conducts himself. For the next five months the oper- ator of a motor car must be careful. Dangers lurk everywhere, and only the addlepates ignore them. Benjamin G. Eynon. —__~+-.—__—_ A. A. Zimmerman, dealer in dry goods, groceries and shoes, at Beaver- ton, writes us when sending in his renewal to the Tradesman, “I would not be without it, as long as I am in business and if I ever go out of busi- ness I would take the Tradesman just the same. Good luck and good health to you.” November 26, 1939 Keeping Books On One’s Health. Book-keeping is the foundation upon which modern business is conducted. Moreover, no business venture can be successful unless it very accurately counts the cost involved. Indeed: the cost item is the factor around which the success or failure of an undertaking is ‘built. Obviously this matter is therefore one of ‘the most important book-keeping features. Speaking lit- erally, life is a business—the biggest and most vital one to every individual. Unfortunately, that view of it is not generally appreciated. And the utter lack of ‘book-keeping regarding it, in the majority of instances, results. If life were merely a synonym for a good time and selfishness, then it is quite true that very little book-keeping and cost accounting would be required. But 'the main thing connected with life is to live. And in these days this mat- ter is far from being an automatic function. The cost item therefore should loom large and prominent in the actions of all those who sincerely de- sire to live ‘healthily, happily and lengthily. Nature keeps books. No matter how careless the individual may become in this respect, nature is never careless. And there is always a day of reckon- ing. To stay up habitually until all hours of the night, to indulge in ener- vating excesses, to use stimulants in- ordinately, and, in short, to disregard the cost of improper living habits, is: to take the road to physical impair- ment and shortened life. Therefore one should weigh well the cost of his habits and general meth- od of living. He should make of life what it is, a glorious adventure based upon vital and intelligent living. One should keep books on his life and keep them straight. Only in this way can be hope for the profit which is his just due. Dr. Theodore B. Appel. —__¢~¢.—____ Death of Well-Known White Cloud Merchant. White Cloud, Nov. 25—William S. Bird died suddenly Monday morning at hjs home in this village, as the re- sult of heart disease. Mr. Bird was born September 30, 1861, at Point Pleasant, Bucks county, Pa., and died ‘Sunday morning, Nov. 16, at 2:20, at the age of 70 years, one month and 16 days. Mr. Bird spent his boyhood in that town and in 1881 he came to Michigan and worked at Diamond Lake in the lumbering days and the following year he settled in Bailey where he lived for several vears. He worked as a carpenter and the last few years there he served as a mail carrier. Mr. Bird and his family moved to White Cloud on March 22, 1910, and bought the grocery stock where the present Corner Grocery is. He en- joyed a good business there for six vears and then moved to his present location, where he has served the pub- lic for the past 14 years. Mr. Bird was a member of the In- dependent Order of Foresters. Those left to mourn his passing are: His wife, Mary R., and sons, George, of Grand Rapids, Marion and Marshall, of this place and many other relatives and friends. The store will continue serving the public with Marion and Marshall in charge. oe? G. & M. Storms, Jackson, write the Tradesman, “We like the paper very much and would hate to be without tS