¥ _—s 7 NTE TEES Ay a as} M96 mh Zo Mi 1c ARC Res Dp a § NX E \ P j 0 aN yy By ) : a / 4 i AE oa : XS See VRE ad EE re \( Sf PIN A eis SADNESS VA WEEKLY © awe re cA TRADESMAN cane AE = TEST. 1883 : ES SE SSR aS RA ohn Thirty-Fourth Year GRAND RAPIDS, WEDNESDAY, DECEMBER 20, 1916 Number 1735 cA Toast to the Trade May Christmas bring you an abundance of Good Health, Good Cheer, Happiness and Prosperity. Yes, even more than these—‘‘Good Will toward all Men,’’ for this is the true spirit of Christmas, and which enriches and strengthens the Golden Ties that link the Brotherhood of Man with the Fatherhood of God. May the New Year provide you Opportunity; Bless you with Responsibility; Enrich you through Achievement, for only by such a process can we in the true sense become Richer in the Hearts of the Community, Greater in the Minds of Friends, Nobler in the Eyes of God. VALLEY CITY MILLING CO. Grand Rapids, Mich. Sole Manufacturers LILY WHITE FLOUR **The Flour the Eesi Cooks Use’? -AVOID DELAY AND DISAPPOINTMENT GET YOUR ORDERS IN NOW FOR ~Y chen PUTNAM FACTORY Distributors for Western Michigan Grand Rapids, Michigan Fancy Shelled Pop Com ——eee== IN PACKAGES =e Clean Sweet THAT WILL POP Corn Bread is the Best Food It is the easiest food to digest. It is the most nourishing and, with all its good qualities, it is the most economical food. Increase your sales of bread. Fleischmann’s Yeast secures perfect fermentation and, therefore, makes the most wholesome, lightest and tastiest bread. Sell Bread Made With FLEISCHMANN’S YEAST ...../g\ Snowball 4 Santa wane) ae Claus My 'VUGE || brand, re | we a AUS: Brand, | packed ashe). | packed # ASS) | 100 10-02. % 40 1-lb. Ven 2 pkgs. &| pkgs. ee ese |) 1 50 10-02. Le = we PER 1 of pkgs. rh) Retails LED >t MG) t 1-1 Retails a” at 10c. AZ at 5c. PACKED BY THE ALBERT DICKINSON CO. CHICAGO, ILL. Branches: MINNEAPOLIS DETROIT BUFFALO NEW YORK BOSTON The Iron Safe Clause in Fire Insurance Policies, which is frequently used as a club by unscrupulous insur- ance adjusters to coerce mer- chants who have suffered loss by fire to accept less than the face of their policies, has no terrors to the merchant who owns a York fire proof safe. This safe is carried in stock and sold at factory prices by the Western Michigan representative of the York Safe & Lock Co. GRAND RAPIDS SAFE CO. GRAND RAPIDS, MICHIGAN Boston Breakfast Blend —Splendid Quality ata Moderate Price Judson Grocer Co. The Pure Foods House GRAND RAPIDS, MICHIGAN an eo t a on oma ’ > ft ae thy cS a2) LZ hall = P| a2) ol C. y r y Ng y ») me o Y (] BR 4 Se is BOR XZ SNe ark SE pet he sn A DESMAN — Thirty-Fourth Year SPECIAL FEATURES. Anti-discrimination Law. 4. News of the Business World. 5. Grocery and Produce Market. 6. Bankruptcy Matters. 8. Editorial. 9. Automobiles and Accessories. 10. Butter, Eggs and Provisions. 12. Financial. 16. Dry Goods. 18. Shoes. 20. Woman’s World. 22. Hardware. 24. The Commercial Traveler. 26. Drugs. 27. Drug Price Current. 28. Grocery Price Current. 30. Special Price Current. 31. Business Wants. ' WINSHIP WILL HELP Bring the Thirteen Delinquent Com- panies to Time. Another week has gone by without any action being taken by the thirteen insurance companies interested in the Valley City Chair Co, loss. The busi- ness men of Grand Rapids are so ex- asperated over the non-action of the companies and the unfounded in- sinuations of the adjuster who made a mess of the matter that steps are being taken to bring the delinquents to time or force them to cease doing business in Michigan. Learning that Insurance Commissioner Winship was to visit the city Tuesday, a meeting of some of those interested in the loss was called at the Association of Commerce rooms Monday forenoon, when the following resolution was of- fered by the editor of the Tradesman: Whereas—The Valley City Chair Co. plant was destroyed by fire June 7, involving nearly a total loss; and Whereas—The company carried $164,000 insurance, and _ presented proofs of loss amounting to $125,- 000; and Whereas—The adjuster who under- took to settle the loss refused to pay more than $56,000 and demanded an appraisal; and Whereas—An appraisal conducted according to law at the request of the insurers brought in a verdict showing the loss to be $148,200; and Whereas—Thirteen of the com- panies interested in the loss have re- pudiated the appraisal and have start- ed suit at Detroit to set it aside on grounds which we are assured are trivial and resorted to solely to an- noy the insured and delay the day of settlement; and Whereas—The conduct of these thirteen companies is such as to cast grave reflections on the integrity and good faith of the fire insurance busi- ness in general and the thirteen com- panies in particular; and Whereas—The delay in settlement is causing the insured great loss and has practically resulted in the destruc- tion of its business; and Whereas—It is the province of the Grand Rapids Association of Com- merce to encourage manufacturing and discourage methods which tend GRAND RAPIDS, WEDNESDAY, DECEMBER 20, 1916 to destroy our manufacturing indus- tries; therefore Resolved—That we condemn the action of the insurance companies above referred to in failing to make a prompt and honorable adjustment of this loss and herewith petition the State Insurance Commissioner to take immediate action to induce the com- panies to carry out the terms of their policies and the verdict of the apprais- al or cancel their licenses to do busi- ness in Michigan. Resolved—That a committee of three be appointed to bring this mat- ter to the attention of Mr. Winsh'p on the occasion of his visit to Grand Rapids Dec. 19. Instead of referring the matter to a committee, it was decided by Chair- man Cornelius, of the Executive Com- mittee, to take the matter up with Mr. Winship in a body and an ad- journment was accordingly taken un- til 2 o’clock Tuesday afternoon, when Mr. Winship met the gentlemen at the same place and listened to a dis- cussion of the situation. At the con- clusion of the discussion, Mr. Win- ship stated that he would gladly take the matter up with the companies along the lines suggested, because he considered they had not dealt fairly or honorably with the insured—they should either pay the amount due the insured or else refuse to pay, so suits could be started to determine the rights of the parties. He condemned in the strongest terms the action of the attorney of the companies in start- ing suit in a distant county to set aside the appraisal; in fact, he said this was the first time he had ever known insurance companies to ask for an appraisal and then refuse to abide by the verdict of the appraisers. He frankly stated that he would ig- nore the attorneys and appraisal com- pany which has handled the situation so bunglingly and go direct to the insurance companies themselves. Mr. Winship clearly indicated that he was in close touch with the situation and that he proposed to leave no stone unturned to right the great wrong which has been done one of Grand Rapids’ most promising manufactur- ing institutions. At the conclusion of the meeting, Mr. Winship was given an unanimous vote of thanks for his generous offer to help extricate the city from an un- fortunate dilemma. The Delinquent Companies. Aetna Insurance Co., New York, $15,000. Atlas Assurance Co., Ltd., London, $10,000. British-American Assurance Co., Toronto, Canada, $12,500. Insurance Company of North America, Philadelphia, $15,000. Commercial Union Fire Insurance Co., New York, $15,000. General Fire Insurance Co., Paris, France, $3,500. German-American New York, $12,500. Hanover Fire Insurance Co., New York, $7,500. Hartford Fire Insurance Co., Hart- ford, Conn., $22,500. Michigan Fire & Marine Insurance Co., Detroit, $8,000. New Hampshire Fire Insurance Co., Manchester, N. Y., $10,000. Phoenix Insurance Co., Conn., $10,000. Springfield Fire & Marine Insurance Co., Springfield, Mass., $10,000. —_~22+___ “Creatures of the Companies.” The Secretary of a leading fire in- surance company writes the Trades: man as follows: “It may be information to you, but the bureaus are the creatures of the companies, formed for the purpose of reducing the expense incident to the adjustment of claims, and every effort is made to employ none but men of exceptional character and ability and very largely with a view to obviating the friction sometimes incident to the adjustment of losses. Furthermore, about 90 per cent. of all claims are adjusted without any friction whatever between the men representing the bu- reaus and the assured, which is a very good indication of the fact that these men are, as a whole, absolutely fair.” Co., Insurance Hartford, This admission explains why the in- surance companies are so tenacious over having settlements made by the adjustment bureaus they own them- selves; in other words, they create a modern Frankenstein and then stand in the background and disclaim all re- sponsibility for the acts of the mon- ster, while profiting by his crimes and extortions. This admission renders it absolute- ly necesary to secure the enactment of a law at the coming session of the Legislature, prohibiting the opera- tion. of these nefarious organizations. ———_2+>___ Of course, the Kaiser’s peace propo- sition had to be turned down because it utterly ignored the vital thing civil- ization is fighting for—the utter ex- tinction of Prussian militarism, which is the most dangerous menace which confronts the world at the present time. Either militarism must be ban- ished or civilization must lapse into barbarism, as is the condition in Germany to-day. No lasting peace can be secured until militarism and barbarism are thrown in the discard. —_>.. A. J. Crosby, general dealer at Mo- hawk, Tenn., renews his subscription two years in advance and says: “We can not do without your paper, as my wife calls it my Sunday bible.” Number 1735 PROGRESSING BACKWARD. The statistical statement made be- fore the assembled life-insurance pres- idents to the effect that the consump- tion of cigarettes in this country has doubled in the last five years agrees with the general impression. -If the scope of an industry is to be meas- ured by its advertising expenditures, the cigarette must be not very far be- hind the automobile and well ahead of the mechanical music-players. The same genius who finds names for Pull- man cars has evidently been at work upon birth certificates for new brands of cigarettes. In his efforts he has pretty nearly exhausted the mystic Orient with its divinities, deserts, camels, caliphs, prophets, sultanas, and minarets. But has the average consumpttion of cigarettes increased, or is a larger public smoking them to-day than five years ago? The growth of the habit among women, although noticeable, will be hardly an important factor. What seems more likely is that the habit is spread- ing among very young men. So one would gather from the cigarette ad- vertisements in the college publica- tions. As a symbol of sophomore emancipation, the pipe retains its vogue; but there is reason to believe that in the growing precocity of the undergraduate in all matters of life. the cigarette is one of the notable manifestations. If it should turn out to be true that cigarette-smoking is on the increase among young men, a problem arises which affects not only tobacco or liquor, but the entire question of un- wise living and premature death which’ the statement above referred to so manfully attacks. How is one to go about bringing in a better state of things? Naturally, by education. But it is precisely in this field of nicotine and alcohol that very serious and widespread educational efforts have been made. The deleterious effects of tobacco are formally taught in the schools both directly and as part of the general subject of physiology and health. And in indirect ways the cigarette has apparently been under heavy assault. The development of high-school and even elementary- school athletics, the growth of the outdoor life, the spread of the Boy Scout movement should be so many forces working against tobacco. Have they done so? The right answer to this would be significant not only for the specific problem, but for many related problems and for the very gen- eral question of how effective educa- tion can be made against harmful social influences. mn A good way to make a thing im- possible is to imagine it so. MICHIGAN TRADESMAN Deeember 20, 1916 ANTI-DISCRIMINATION LAW. Ardent Defense By the Man Who Made It.* lt is with some degree of interest and gratification that I have received the invitation to speak before the whole- sale dealers of the Grand Rapids As- sociation of Commerce upon the anti- discrimination- and fire rating bureau law enacted at the last Legislature. I am so deeply impressed with the feeling that this much-discussed law is the greatest constructive piece of legis- lation with regard to fire insurance and the interests of the public that has ever become enacted in this State that I welcome the opportunity to discuss it fearlessly and frankly before any body of business men sufficiently interested to be willing to listen. I can scarcely imagine an instance of greater misrep- resentation concerning a public act than has attended the discussion of this law on the part of a few people in the State of Michigan, who have been organizing a propaganda against it. I cannot but feel that most of this misrepresentation is due to a vicious attitude that is mask- ing selfish interests, and it has resulted in a great misconception of the purport of the law and of its effect on the part of those who do not have a clear and adequate understanding of the nature of insurance as an institution. It would not be surprising, therefore, if in ad- dressing such a body as this, I should find a considerable portion of the audi- ence hostile to the principles of the law, but I have never feared a hostile audi- ence, for no man need fear a hostile audience when he has a truthful presen- tation of his subject to offer. The campaign against this law has been rather shifty in character, in that it does not discuss the real principles of the law or the essential points which it covers, but it has broadened out into a discussion of matters totally irrelevant to the law. It has broadened into a demagogic appeal and prejudice. I trust that such appeal may not find fertile soil in Michigan, for Michigan would be taking a backward step if it nutured ideas involved in that appeal. The states of Missouri, Kentucky and South Caro- lina have had their experience with this sort of demagogism. The two former have retraced their steps, while the latter is to-day suffering from a condition that is threatening the business stability of its people. I should prefer to speak wholly from an extemporaneous standpoint, but the - subject is a vast one, and involves much technicality, and I believe that in the enthusiasm of extemporaneous address, I might be led away from some of the essential points in the case into a discus- sion of the motives of those who oppose the law, and that is something that I do not wish to do. I shall, therefore, beg indulgence if I confine myself fairly strictly to certain notes and documents for the purpose of demonstrating that this law is for the best interests of the insuring public. I know there are op- ponents of this law who would like to pick the battle ground for its advocates to stand upon and would seek to place *Paper read by John T. Winship, State Insurance Commissioner, before Whole- sale Dealers’ Committee of the Grand an of Commerce, Dec. 19, 1916. them in the position of advocating high fire insurance rates. Let me say to you that the advocates of this law are in favor of as low fire insurance rates as it is possible to procure, consistent with the solvency of companies and the care of the conflagration hazard, and the enactment of this much-abused law is a prerequisite, to my mind, to the lowering of fire insurance rates by a logical pro- cess. Just how much fire insurance rates are too high in Michigan—if they are too high—I do not know, but I do know that some such law as this will eventual- ly result in lowering the normal rate to all of our people. It has not been my policy to engage in newspaper controversy over this law and especially with those who persist in a reiteration of their representations, after their falsity has been shown. I have in mind one instance illustrative of this, as revealed in the correspond- ence between the Mayor of one of Michi- gan’s most thriving cities and the Super- intendent of Insurance of New York, wherein the former, in seeking argument against the Michigan law, found argu- assumption that insurance is a com- modity, subject in all respects to cog- petition. Insurance is not a commodity. If you were to buy a suit of clothes and pay for it, the transaction is ended and it is of little moment to you whether the man who sold you the suit is solvent or in business six months hence or not. With the company selling you the in- surance policy, the contract is not end- ed, but it has just begun, and it matters very much to you whether the company is solvent or in business six months hence, It is my purpose upon this occasion to discuss the Michigan anti-discrimina- tion or rating bureau law. In no sense shall I discuss fire insurance rates in this connection, except incidentally in refutation of erroneous statements made to bolster up irrelevant objections to this law, because I believe that this law is necessary, even if the promulgated rates were satisfactory to every man in the State—yes, even if they were made by the State. In the first place, it has been charged that this law takes away from the Com- currents, electrical inspector. Read Your Insurance Policies! pair your contract. Fire ! Holiday fires in stores while filled with people are usually holocausts Light, inflammable decorations make fires easy to start and easy to spread. A match, a gas flame, or an electric defect may do it. Watch gas jets! Decorations may be carried against them by air Watch smokers! Do not permit them to light cigars inside buildings. Do not make the slightest change in electric wiring without consulting Before attempting any hasty or ill- advised decorations which may cause fire, examine your insurance contract and see if your policies contain anything like this: “This entire policy, unless otherwise provided by agreement indorsed hereon or added hereto, shall be void,” etc., “If the hazard be increased by any means within the control or knowledge of the insured.” If you burn, you want your indemnity; do nothing therefore to im- ment in favor of it, and yet suppressed the information he received. In the face of the fact that this law was recommended by the National Con- vention of Insurance Commissioners. certain opponents of the bill reiterate the assertion that it is not a convention law and seek to point out that it differs in many respects. I have the convention draft with me and defy anyone to show that it is not absolutely the draft voted for by the majority of the Commission- ers. These opponents break away from a discussion of the law itself and charge that the short rate table, for instance, in Michigan is higher than in any other state, just as if that had anything to do with this law. As a matter of fact, the short rate table in Michigan is absolute- ly the same as the table in other states. Then they say that the rates in Michi- gan are higher than in any other state in the Union. If this were true, it has nothing to do with this law, as this law does not deal with rates, but what they say is absolutely untrue and there are only ten states in the country that have lower fire rates than Michigan and in each one of these ten the loss ratio is much lower. One great trouble is that the opponents of this law go on the missioner of Insurance the power to contro] and fix rates. This is false, as the Commissioner never had such power under the laws of Michigan, and in the absence of a provision by the State for a rate making force, composed of ex- pert engineers and inspectors—in other words, in the absence of a State rating bureau—he never should have the power. It is a power that, if exercised upon mere personal whim or opinion, which would necessarily be the case, if the State had no bureau of experts, could be exercised unjustly against com- panies for demagogic reasons on the one hand and unjustly against the peo- ple for venal reasons, on the other hand. So far as Michigan is concerned, it may be said that if ever the power was exercised or sought to be exercised out-- side of an appeal to reason, it was con- trary to law, as there is not a semblance of authority warranting such action. The anti-compact law has been cited on the part of some who wish to misrepresent the situation in this State as giving this authority. The anti-compact law pro- vides that companies may. not enter into any agreement’ whereby competition may be stifled, and the penalty for en- tering into such agreements is the revo- cation of the authority of the offending companies to do business in Michigan. It gives no authority for making a change in the rate which would remain the same after the offending companies had had their licenses revoked. But suppose Michigan did have such a law, giving the power to the Commissioner to lower rates or a law creating a State rating board, in my judgment the pres- ent anti-discrimination law would be just as essential. As intimated above, the anti-discrimination law has nothing to do with rates, except where they are discriminatory. It is really an anti-rebate law. Fire insurance is a tax and com- mon justice demands that everyone be on the same basis or the same rate for equal hazard, for all of our taxation laws require each individual to pay on the same basis for like condition. No man can justify discrimination, there- fore, in fire insurance rates. We do hear, however, complaints and impreca- tions from those who have been enjoy- ing preferential rates in the past. Do these people go their city or township assessors and ask for lower valuations than their neighbors or do they go to their township, city or county treasurers and ask to be permitted to pay a lower tax rate than their neighbors, because they are rich, powerful, influential or for personal reasons? Perhaps some- one will say that insurance is a com- modity and that a man ought to be able to buy it as cheaply as he can, the same as he is privileged to buy any other com- modity as cheaply as he can. This law will not prevent it, if the place he buys will sell to all alike, but we must con- sider that insurance is a quasi-public in- stitution. Does one man get a lower freight rate or a lower telephone rate than another because he is rich, power- ful and influential or for any personal reason? No! But, someone will say. the State fixes these latter rates refer- red to. So the State can fix fire insur- ance rates, but it has not done so. It would be perfectly constitutional, as the Supreme Court of the United States has decided in the Kansas case, but in con- sidering this it must be borne in mind that fire rates are unlike railroad rates and telephone rates in that the cost ot furnishing transportion and communica- tion can be definitely determined before the rate is fixed, but in the matter of fire rates, the prices must be fixed before the cost is known. This, however, is another question. As I said before, I am not here to discuss it, inasmuch as good and able people differ on the advisability of the State fixing definitely a rate upon a business of a hazardous nature, and an indefinitely hazardous nature, conducted by private capital. I merely say that the State has the power to do this, but few states have ever sought to exercise the power or to approach the matter of legislation upon the subject, without an extensive investigation on the part of a special commission, these investigations having extended over a period of from one to four years. Even after this thor- ough study in many cases no definite conclusion was arrived at, and if my recollection serves me correctly, only three states have ever attempted any effective legislation upon the subject. No movement having been inaugurated for the investigation on this subject on the > > ~ December 20, 1916 part of the State of Michigan, and in view of the fact that results cannot be arrived at for a long period, the Mich- igan Insurance Department, in the in- terest of remedying fire insurance evils in Michigan, framed the present anti- discrimination law as a_ remedial measure of many of the troubles under which we are laboring. It has been stated that this law was conceived and passed by the insurance companies of this country, while the Commissioner of Michigan stood by, not offering a hand of resistance to the project. This state. ment is absolutely untrue. The insur- ance companies of this country did not wish this law passed. The Insurance Commissioner of Michigan did not stand idly by while it was passed, but he framed the law, advocated it before the Legislature in committee and furnished arguments for its adoption for use on the floor, and takes all of the responsi- bility for the law. The law is the out- growth of an investigation conducted two years on the part of the National Convention of Insurance Commission- ers. Hearings were held in various cities of the country, representatives of companies appeared before the commit- tee in opposition to the bill, but the principles of the bill were finally adopt- ed by the National convention, as being essential and in the public interest. Some Commissioners favored incorporating in the bill a provision that the Commis- sioner should have the power to change rates, if he deemed them unfair. Other Commissioners believed that to be wholly impracticable, unless the state had a rating bureau of experts upon whose opinion the Commissioner could rely for his conclusion that the rates were unfair. This latter portion of the convention believed that the power exercised by the Commissioner should be confined to de- termination as to whether the rates were discriminatory, because a lay mind could fairly determine that question, while it would take an expert mind and experi- ence to determine whether a rate was fair or not. There is a widespread feeling that rates are excessive. Doubtless it is true that the rates are excessive to some, but it is unquestionably true that the rates are not excessive to others. How is the State to know what action to take to re- duce the rates until we have a normal rate being administered over all of the prop- erty of the State? If we reduce rates because they are more than adequate on some risks, why should they not be raised because they are inadequate upon other risks? If a man is paying an in- adequate rate, or, in other words, has a ruinous cut rate, somebody else is pay- ing for a portion of his insurance. When we have arrived at a period where the companies are requiring the same rate for the same hazard from all parties, then we will know how we should pro- ceed to lower the rate to all parties and how to go about it. As a matter of fact, the granting of preferential rates to the rich, powerful and the influential, is, in effect, granting a rebate. It is not so considered under our law, because the premium paid is written in the con- tract, but it is, nevertheless, in effect rebating. Now, what are the objections urged against this law? First, that it was pass- ed in the interest of the insurance com- MICHIGAN TRADESMAN panies. I have answered that by show- ing that the insurance companies not only never asked for the law, but op- posed it, and its principles, before the National Convention of Insurance Com- missioners; second, that it gives legal status to rating bureaus, making it a legalized trust. Everyone who knows anything of insurance knows that a rat- ing bureau is absolutely essential to the conduct of the fire insurance business. Rates can only be fixed by expert en- gineers and inspectors, after a review of the property. In making rates, the general experience of companies is also taken into consideration, but in the past companies have not kept uniform classi- fication and no scientific average could be arrived at. The National Board of Fire Underwriters is now engaged upon an extensive uniform classification sys- tem and will spend one million dollars at least in gathering this experience. The experience must be spread over wide territory. The experience of one city or of one state can hardly be taken into consideration, and, likewise, the experience of one company in one city or one state or in the whole United States, cannot furnish a fair average. One often hears a city claim that its loss ratio is so low that it ought to have a lower fire rate. Such a proposition is ridiculous. The same city might have a conflagration the next year. Of course, the water supply, fire prevention laws and efficiency of fire departments are taken into consideration in classifying cities, but no one city, because its fire loss ratio is low and has been low for a number of years, is entitled to any special consideration, because a confla- gration might strike it at any time. Having shown, then, that rate making bureaus are essential, isn’t it wise that they should come under the control or supervision of the State Department of Insurance? Heretofore they have been private affairs, and any questions asked of them by the Insurance Department would only be answered as a matter of courtesy. Under the present law, the Insurance Department has a right to examine them, examine all correspond- ence, require answers to every question regarding rates, individual or otherwise, and this right is being exercised. We have already taken up. the matter of mistakes in rating and they were cor- rected. The rating bureau is not a trust in any sense of the word. It must fur- nish its rates to any insurance corpora- tion that applies for them, and at the same price that it furnishes them to the oldest insurance company or patron that it has. The third objection to the law is that it penalizes a company or agent for writing insurance at less than the pro- mulgated rate. It does, and why shouldn’t it? Would you not penalize a tax collector who did not collect the full tax from a citizen because of his influence, or for any personal reason? Why not penalize an insurance tax col- lector—for insurance is a tax—for not collecting the same tax from one man that he does from another, where the risk is of the same hazard? While the law says that the rates filed by the bureau must be considered the tates for all companies subscribers to the bureau, yet it specifically provides that any company can deviate from those rates, whenever it wishes, by promulgating and filing a new rate with the Michigan Department of In- surance. It is this provision that proves false the assertion that the anti-discrim- ination law compels companies to charge the fixed rate and wipes out competi- tion. There is not a thing in this law which gives authority to the companies to com- bine to maintain the rates. There is a special provision that companies may make agreements with regard to the operation of their organizations, but every agreement must be filed with the Department and the Commissioner may disapprove it and no agreement can either be filed or approved that is con- trary to public policy. Inasmuch there- fore, as an agreement to stifle competi- tion which would be in violation to the anti-compact law, is contrary to public policy, no such agreement could be made, and the anti-compact law remains in force. ——_+--___ Our real value is proven only by the way we make ourselves valuable. Brick Up Fifty Cents Per Thousand. Dec. 15 the manufacturers of clay brick announced an advance of 50 cents per thousand. Five days later the manufacturers of sand lime brick announced a similar advance. The price is now $7.75 delivered or $7 at the kilns, In Detroit the price of brick is $10 per thousand, deliver- ed. None of the brick yards in this vicinity have any stock on hand. Most of them at hand for all they can produce for months. The advance in coal and lime is ‘given as the reason for the advance in price. ———_>-2 R. S. Richards, of Bay City, renews his subscription to the Tradesman and says: Tradesman. without it, but don’t intend to, as we consider it the best trade paper ever.” ——_-~-.___ Arthur E. Gregory has been elected have orders sending the We could possibly live “Keep on Secretary of the Judson Grocer Com- pany to succeed the late Heman G. Barlow—a worthy honor worthily be- stowed. 16-18 Fulton Street, Ww. Compliments of the Season gladly avail myself of this opportunity to wish all my customers a Merry Christmas and a Kappy New Year; to express my thanks for the generous patronage accorded me in the past and to bespeak a continuance of same during the year to come. PETER DORNBOS Cigar Manufacturer Grand Rapids, Mich. MICHIGAN TRADESMAN December 20, 1916 STM Sars ——— ai ee. 4: Movements of Merchants. Pewamo—Chauncey Vance lost his hotel by fire Dec. 15. Cadillac—H. Nieuwkoop has engag- ed in the meat business at 603 North Mitchell street. Concord—Millard Smith has sold his bakery to J. Dixon, who will take possession Jan. 1. Reed City—Howard A. Smith suc- ceeds A. J. Walcott in the grocery business near this place. Plainwell—Elsenheimer & Co. have removed their grocery stock to Kala- mazoo and will continue the business. Chase—Peacock Bros. have sold their stock of groceries and dry goods to John D. Green, who has taken possession. Eaton Rapids—J. W. Allison has sold his stock of general merchandise to Howard W. Rank, who has taken possession. Kalkaska—Dahl Steller, recently of Albion, Ind., has leased a store build- ing and will occupy it with a bakery about Jan. 1. Three Rivers—E. M, T. Nallinger is building an addition. to his bakery which will increase the 400 square feet. Concord—John Magel has closed out his stock of shoes and rubbers to enable him to enlarge his dry goods and grocery lines. Gobleville—Glenn D. Gordon, un- dertaker at Allegan, has opened un- dertaking parlors here under the man- agement of Delbert A. Graves. Lapeer—Thomas Haug has leased a store in the Harrison block and will occupy it Jan. 1 with a stock of meats and sausage making machinery. Fremont—A. A. Bristol, of Grand Rapids, has taken over the G. E. Hain Co. hardware and agricultural imple- ment stock and will continue -the floor space business. McBride—The McBride Mercantile Co. has engaged in business with an authorized capitalization of $10,000, all of which has been subscribed and paid in in cash. Detroit—The Garland Tin Shop has been organized with an author- ized capital stock of $4,000, all of which has been subscribed and $3,400 paid in in property. Kalamazoo—Thieves entered the Weesies & Co. grocery store, at 1001 Church street, Dec. 18, and carried away considerable stock and the con- tents of the cash register. Blanchard—Fred Snyder has pur- chased the interest of his partner, Ernest Culp, in the general merchan- dise stock of Snyder & Culp and will continue the business under his own name. Chatham—Fire damaged the John H. Gatiss store building and stock of general merchandise to the extent of about $10,000 Dec. 8. The loss was partially covered by insurance. Eaton Rapids—Ira L. L. McArthur, Jr.. and Don Long have formed a co- partnership and engaged in the res- taurant, cigar and confectionery busi- ness under the style of McArthur & Long. Detroit—The Extra Quality Dis- tributing Co. has engaged in business to handle petroleum products with an authorized capital stock of $10,000, all of which has been subscribed and paid in in cash. Lansing—Clare E. Wilkinson has sold his interest in the Travis Drug Co. at St. Johns, and purchased an inter- est in the C. J. Rouser Drug Co., in this city. He will assume the manage- ment of the latter. Jackson—The W. A. Risheill Co. has engaged in the grocery business at 204 East Main street under the style of the Basket Grocery. The company will not maintain a delivery or telephone service. Detroit—The Minchin-Feerer Auto Co. has organized and is conducting a garage and sales agency with an authorized capital stock of $15,000, of which amount $6,500 has been sub- scribed and paid in in cash. Olivet—B. F. Gillett has sold his grocery stock and store fixtures to Albert Miner, who formerly conduct- ed a confectionery store at Perry. The business will be continued under the style of Miner’s Cash Grocery. Center—Herbert O’Mera, formerly connected with the Towner Co., Ltd., but for the past few months engaged in general trade at Herring- ton, has removed his stock to this place and re-engaged in business here. Evart—W. C. and E. G. McGowan, hardware dealers at West Branch, have removed their stock to this place and consolidated it with the stock of the Evart Hardware Co., which they have purchased and will take posses- sion of Jan. 1. Byron Holland—Westrate & Brouwer have dissolved partnership and the business will be continued by Westrate & Wes- trate. John Westrate, of Traverse City, has taken over the interest of Mr. Brouwer in the garage and auto- mobile business. Marquette—Jacob Rose, dealer in retail furnishings, has merged his business into a stock company under the style of Jacob Rose & Sons with an authorized capital stock of $35,000, of which amount $20,000 has been subscribed, $20,000 paid in in cash and $18,000 paid in in property. Lansing—The stockholders of both the Michigan Butter and Egg Co. and the old Lansing Cold Storage Co.,, have voted to dissolve both corpora- tions and reorganize in a joint com- pany under the name of the Michigan Butter and Egg Co. Detroit—The Ennis & Wyma Co. has been incorporated to carry on a business of installing plumbing and heating plants with an authorized capitalization of $1,000, all of which has been subscribed, $500 paid in in cash and $500 paid in in property. Tecumseh—D. S. McComb has sold his stock of shoes to a Philadelphia firm, who shipped it to that place last week. C, N. Graebner, of To- ledo, has purchased the store build- ing and fixtures and will occupy it with a stock of shoes and rubbers Jan. 1. Saginaw—The Coleman-Frank Co. has been organized with an authorized capital stock of $15,000, all of which has been subscribed and $10,000 paid in in cash, The company wlil do a general automobile business, having secured the agency for several makes of cars. Albion—Mrs. T. A. Roudenbush, who has conducted the furniture and undertaking business of the late F. D. Roudenbush under the management of C. E. Marsh, has sold the stock to C. E. and E. S. Marsh, who will con- tinue the business under the style of C. E. Marsh & Co. Muskegon—Daniel Christie, aged 57, died Sunday night at his home in this city, following a lingering illness. He was the owner and manager of the largest grocery in Muskegon, a posi- tion he occupied for over thirty-five years. He was a resident of Muske- gon for practically half a century and established himself in the grocery business while a youth. Besides his wife, one daughter, six sons, three brothers and one sister survive him. He grew wealthy in the latter years of his life. Manufacturing Matters. Saginaw—The Columbia Motors Co. has changed its principal office to Detroit. Holland—The Holland Aniline Co. has increased its capital stock to $250,000. Detroit—The Michigan Lumber Yard has increased its capital stock from $20,000 to $50,000. Flint—The Flint Spring Water Ice Co. has increased its capitalization from $75,000 to $125,000. Jackson—The Lockwood-Ash Mo- tor Co. has increased its capital stock from $20,000 to $150,000. Kalamazoo—The Columbia Motor Truck & Trailer Co. has changed its principal office to Pontiac. Ann Arbor—The Hoover Steel Ball Co. has increased its capitalization from $500,000 to $1,800,000. Detroit—The Universal Car Equip ment Co. has increased its capital stock from $50,000 to $100,000. Pontiac — The Columbia Motor Truck & Trailer Co. has increased its capital stock from $35,000 to $100,000. Detroit—The Detroit Copper & Brass Rolling Mills has increased its capital stock from $2,500,000 to $3,- 000,000. Lansing—Fire destroyed a portion of the plant of the Lansing Wagon Works Dec. 15, entailing a loss of $50,000, covered by $65,000 insurance. Niles—The Kiawneer| Manufactur- ing Co. is erecting another two-story unit to its plant, thus adding 18,000 square feet of floor space and doub- ling its capacity. Detroit—The Detroit Wood Pro- ducts Co. has been organized with an authorized capital stock of $25,000, of which amount $15,000 has been sub- scribed and $2,500 paid in in cash. Detroit—The Murray-Kramer Mot- or Co. has been incorporated with an authorized capital stock of $15,000, of which amount $7,500 has been sub- scribed and $5,000 paid in in cash. Detroit — The Alliance Brass Foundry Co. has been organized with an authorized capitalization of $50,- 000, of which amount $25,000 has been subscribed and $7,500 paid in in cash. Detroit—The National Production Co. has been incorporated to manufac- ture tools and machinery with an au- thorized capital stock of $12,000, all of which has been subscribed and $1,200 paid in in cash. Detroit—The Arrow Tool & Ream- er Co. has engaged in the manufac- ture of machine and hand tools and supplies with an authorized capital stock of $5,000, all of which has been subscribed and $2,500 paid in in cash. Detroit—The Lincoln Brass Works has engaged in the manufacture of brass goods, wares, merchandise, etc., with an authorized capital stock of $15,000, of which amount $9,000 has been subscribed and $5,400 paid in in cash, Highland Park—The Ideal Concrete Block Co. has been organized to man- ufacture concrete products with an authorized capital stock of $3,000, all of which has been subscribed, $1,300 paid in in cash and $1,700 paid in in property. Marshall—The E. R. Page Co. has engaged in the manufacture and sale of pharmaceutical supplies with an authorized capital stock of $10,000, all of which has been subscribed, $500 paid in in cash and $500 paid in in property. Detroit—The Air Reduction Com- pany of Michigan has been organized to produce, manufacture and deal in gases and constituents of the air with an authorized capital stock of $100,- 000, of which amount $50,000 has been subscribed and $10,000 paid in in cash. Detroit—The .Chase-Pro. Manufac- turing Co., 7 Witt avenue, has been organized to manufacture carburetors, brass parts and automobile special- ties with an authorized capital stock of $10,000, of which amount $5,000 has been subscribed, and $1,000 paid in in cash. Kalamazoo—Eugene Cook, manu- facturer of cattle guards has merged his business into a stock company under the style of Cook Standard Tool Co., with an authorized capital stock of $100,000, of which amount $80,030 has been subscribed, $578.88 paid in in cash and $79,431.12 paid in in property. — December 20, 1916 MICHIGAN TRADESMAN = — — -_ « ROCERY.+*> PRODUCE MARKET ! Review of the Grand Rapids Produce Market. Apples—Baldwins, Wolf River and Tallmans, $3.50@4; Greenings, $3.50@ 3.75; Hubbardstons, $3.75:@4.25; Spys, $4@5. Bananas—Medium, $1.75; Jumbo, $2; Extra Jumbo, $2.25; Extreme Extra Jumbo, $2.50 up. Beans—The Association price is $5.75 for white and red kidney. These are the prices buyers pay the farm- ers. Dealers hold picked at $6.50 in carlots. Beets—$1.25 per bu. Brussel’s Sprouts—20c per qt. Butter—Fancy creamery is very firm at an advance of 1%c for the week, due to the good consumption and the very light receipts. If there is any further change it will probably be upward. The boycott in some sec- tions of the country had some effect on the market, but it seems now to have disappeared. The warehouse stocks are very light. as compared with the previous seasons, and the market is 4@6c above normal. Local dealers hold fancy creamery at 38%c and cold storage creamery to 35c. Local dealers pay 33c for No. 1 in jars and 26c for packing stock. Cabbage—4c per lb.; $60 per ton. Carrots—75c per bu. Celery—20c per bunch for small; 30c for large; box (31%4@4 doz.), $1.50@ 5 Cocoanuts—$6 per sack containing 100 , Cranberries—$7.50 per bbl. for Early Black from Cape Cod; $9.50 per bbl. for late Howes. Eggs—Owing to the cold weather, fresh eggs have held their own. Local dealers pay 41@42c for fresh, candled and loss off, and hold candled at 45c. Cold storage candled are held at 35c for April and May, 34c for firsts and 32c for seconds. The holdings in storage are now quite light, and the entire situation is now very firm. Figs—Package, $1.10 per box; lay- ers, $1.50 per 10 lb. box. Grape Fruit—$3.40 peh box for Flor- ida. Green Onions—Chalotts, doz. bunches. Holly—$4 per case; single wreaths, $1.25 per doz.; double wreaths $2.25 per doz. Honey—18c per lb. for white clover and 16c for dark. Lemons—California, $3.50 per box for choice and $4 for fancy. Lettuce—12c per Ib. for hot house leaf; $2 per bu. for Southern head. Maple Sugar—t7c per Ib. for pure. Maple Syrup—$1.40 per gal. for pure. Mushrooms—40@50c per Ib. 60c per Nuts—Almonds, 18c per 1b.; filberts, 16c per lb.; pecans, 15c per Ib.; wal- nuts, 16c for Grenoble, 15'%c for Na- ples; 19c for California in sack lots. Onions—Home grown $4 per 100 lb. sack for red or yellow. Spanish, $1.75 per crate of either 50s or 72s. Oranges—Pineapple Floridas, $3.50: California Navals, $3.25. Oysters—Standards, $1.40 per gal.; Selects, $1.65 per gal.; New York Counts, $1.90 per gal. Shell oysters, $8.50 per bbl. Peppers—Southern per 6 basket crate. Pop Corn—$2 per bu. for ear, 5@ 5¥%4c per lb. for shelled. | Potatoes—Tubers sell in a jobbing way at this market for $1.85 per bu. Growers are getting $1.50@1.60, de- livered on track. Poultry—Local dealers pay as fol- lows, live weight; old fowls, light, 12@13c; medium, 13@13%c; theavy (6 lbs.), 14c; springs, 14@15c; broilers, (1% Ibs.) 18c; turkeys, 22@24c; geese, commands $4 10@12c; ducks, white pekin, 14c; heavy 14c; Indian runners, 12%c. Dressed fowls average 3c above these quotations. Radishes—35c per doz. bunches for small; 75c for large. Ruta Bagas—Canadian $2.25 per 100 Ib. sack. Squash—$2 per bbl. for Hubbard. Sweet Potatoes—Kiln dried Dela- ware Jerseys, $1.75 per hamper. Tomatoes—$2.50 for 10 Ib. basket. Turnips—$2.25 per bbl. command —_——?-o-_o The Grocery Market. Sugar—The market has slumped another 10 points, being now held at 7.05c, New York basis. The demand is light and nobody seems to have very much confidence in the market. Raws are lower. Tea—The market is a waiting affair and little business is reported in the trade. Distributers are busy with holiday goods and do not care to push staples. Incidentally the inventories are a factor in the situation. After the turn of the year it is expected that the country will resume its buy- ing, since supplies are not large. In the interim holders see no reason to make material concessions to attract orders. Aside from the question of the length of the war, the trade sees no reason to fear a substantial reces- sion, since statistics are favorable. Coffee—The market is still weak, with Santos probably %c off, in spite of the preposterous peace talk, which, if it means anything, would mean the opening of the entire European mar- ket, when coffee would undoubtedly advance in price. The demand for coffee is very dull and all grades of Rio and Santos are easy. Milds are quiet and dull. Java and Mocha grades are unchanged. Canned Fruit—There has been very little doing in any of the items on the list. Jobbers are well supplied for the present, and there is nothing offering from first hands. The market, how- ever, remains nominally strong. Canned Vegetables—The canned goods situation has not been without its interesting developments during the week, even though there has been very little done in the way of actual business. For 1916 pack tomatoes there have been sales made at $1.25 f. o. b. cannery for No. 3s and 91144@95c for No. 2s. The canners on their part, were disinclined to enter into any further contracts, in view of the gen- erally unsettled situation, while the packers themselves have not been en- thusiastic at any time to consider fu- ture business. The question of pos- sible peace was not very seriously en- tertained at the outset, but later de- velopments have been having a more serious effect on the trade, in that there was a desire to proceed cau- tiously until something more definite makes its appearance. The fact that the American Can Company had with- drawn all quotations was another un- settling factor, as it seemed to indi- cate that there would be no definite basis of calculation for the entire sea- It is understood that the can company will not make a price for the entire season as heretofore, which, of course, will leave the canners in a decidedly unsettled position. This determination, however, was arrived at before the peace proposition was put forth, so that the matter is now complicated still further. As to the effects of peace itself on trade, opin- ions are decidedly mixed. It is be- lieved in some quarters that if ship- ping can be resumed without interfer- ence there will be an enormous ex- port demand for American food pro- ducts. At the same time it is believed that domestic trade would show some falling off, and it is expected to do that, anyway, because of the now gen- erally accepted belief that retailers are overstocked, to say nothing of the jobbers who, however, are disinclined to admit that such a condition exists. Canned Fish—There has not been very much new business in pink salmon during the week, although the market has been very firm, with prac- tically no offerings. Red Alaska has been held nominally at $1.85 to $1.90, although it is said that odd lots here and there have been sold at lower prices. The sardine situation contin- ues very firm, both for imported and domestic, and with offerings not equal to the demand. Other varieties of fish are in light supply and very firm. Dried Fruits—The dried fruit situa- tion has not shown any particularly new developments during the week, although it can not be said that it is on a particularly satisfactory basis. In the case of raisins, for instance, it is almost impossible to secure any owing to the car shortage and the Association is far behind with its de- liveries, as are also the independents, and there has been a great deal of disappointment for the holiday trade. Son, There is very little hope of immediate however, and all concerned simply have to make the best of it. As to prunes, coast advices indicate that there is practically nothing left in growers’ hands, while packers are supposed to have not more than 10,000 tons all told, which is an unprecedent- edly small supply for this season of the year. All other dried fruits are in a correspondent position. The mat- ter of peace negotiations is not con- sidered with any great degree of seri- ousness. This is, of course, easily un- derstood because of the condition of the trade, with nothing to sell and with transportation difficulties making it impossible to move goods. It is too far away from the new season to make any predictions whatever, and with the natural dullness of the holi- day season it is figured that so far as the dried fruit trade is concerned the peace proposition could not have been sprung at a more convenient time. relief, Cheese—The market is steady and unchanged, with a moderate demand. There is a light supply in the prin- distributing markets, but the general feeling appears to be a little easier, and if there is any change there will probably be a slight reduction. Rice—The market is still a holi- day affair, with business of routine character. Trathe conditions were not such as to help the distributing trade, aside from the fact that until the in- ventories are out of the way buyers will go slow. In the South the situa- tion is unchanged. The embargo on shipping from the ports is still on, and this prevents the mills from offering with any certainty as to when the rice will get here. There is a better ex- port movement but not especially large. cipal Provisions—The market is steady and unchanged from last week. ceipts appear to be normal for the season, and the consumptive demand is fair. No important change appears in sight for the balance of the year. Pure lard is steady at a decline of Mc, due to the freer killing of hogs. Demand is only fair. Compound lard is steady and unchanged, with a fair consumptive demand and a weaker feeling on account of the pure lard situation. Prices of compound are still fairly high. but the general feel- ing is weaker. Barreled pork is un- changed and in quiet demand. Dried beef is in light demand at unchanged prices. Canned meats are steady. Salt Fish—The supply of shore mackerel is not very large, but prices are unchanged for the week. The sit- uation is strong. Irish mackerel still show an advancing tendency and small sizes are scarce. Irish mackerel are quoted up to $26 a barrel, which is probably $10 above normal. Cod, hake and haddock are still scarce and high. Re- —_~+-<-___ Edward Telfer, founder of the Tel- fer Coffee Co., Detroit, suffered a stroke of apoplexy one day last week and is still in a,very precarious con- dition, Mr. Telfer was a resident of Grand Rapids for about ten years, up to fifteen years ago, when he managed the Telier Spice Co, BANKRUPTCY MATTERS. Proceedings of the Western District of Michigan. Grand Rapids, Dec. 1—An involuntary petition in bankruptcy has been filed against the American Automobile Supply Co. Adjudication has been made and the matter referred to Referee Corwin, and Walter H. Brooks, appointed receiver. The first meeting of creditors has been held and Walter Brooks has been elected trustee. The assets consist of a general stock of auto accessories located at Grand Rapids, which assets are alleged to be worth $5,000. The liabilities are shown at $11,489.67. An inventory and appraisal has been ordered and will be taken at once, after which offers will be taken for the sale of the assets. Following is a list of the creditors of the corporation: Secured Creditors. City of Grand Bapids ............ 55.38 Ed. W. Simpson, Grand Rapids .. 500.00 Unsecured Creditors. Auto Blind Defiector Co., Johns- Wn, A. ee $ 3.00 Am. Sien ©o., Kalamazoo ........ 200.00 Am. Goggle Co., Whiting, Ind. 16.00 Auto Pedal Pad Co., New York .. 52.80 Anglo Am. Light Co., Pittsburgh 11.25 Auto Apparel Co., Port Chester, Mw eee 48.00 Alliance Rubber Co., Alliance, nie cc ee eee 4,029.58 Ayers, Em. & Sons, Philadelphia 1.05 Art Metal Works, Newark ........ 75.05 Auto Supply Co., Chicago ......... 107.40 Ayax Trunk & Sample Co., N. Y. 6.25 Belding Mie. Co., Chicago .:...... 51.73 Bon Manufacturing Co., Elgin .... 14.40 Broderick & Bassen Rope Co., ee: COS le ake ees 117.85 Brown & Caine, Chicago .......... 37.41 Boyle, A. S. Co., Cincinnati ..... 25.10 Boston Woven Hose & Rubber 0; OSEOn |. 3... cee cee eae cec- 19.00 Brandstreet Co., Grand Rapids 65.00 Bright Star Battery Co., N. Y. 43.03 Beckley Balston Co., Chicago .... 4.80 Citz. Telephone Co., Grand Rapids 15 Consumers Power Co., Grand Rapids 19.04 Central Foundry Co., Marshalltown 41.50 Chicago Rubber Co., Chicago . 151.74 Corcoran Victor Co., Cincinnati 18.95 Chemical Products Co., Cleveland 18.00 Coats, B. D. & Co., Grand Rapids .. 6.00 Comming Manufacturing Co., Chicago 75.00 Davies Young Soap Co., Dayton 35.50 DeVries Printing Co., Grand Rapids 26.30 Duff Manufacturing Co., Pittsburgh 42.50 Enterprise Electric Co., Grand BEANIE 2. oe oe ws tp ae ee ee 75.69 Elec. Appliance Co., Chicago ...... 3.35 Elite Manufacturing Co., Ashland, hte 4. ..... 2... ee... 40.75 Edwards & Chamberlain, Kalamazoo 30.88 Fernald Manufacturing Co., North pe Ser I ee 12.00 Fish Best Co. Grand Rapids ...... 18.75 Fox Typewriter Co., Grand Rapids -50 Golden Boter Co., Grand Rapids 1.50 Hm. Chemical Prod. ©o. .......-.-- 18.00 Auto Supply Co., Chicago ......... 107.40 E. W. Simpson, Grand Rapids .... 341.58 Fitzsimmons Bros.. Grand Rapids 8.50 G. R. Tire Reinforcement Co., Grand Rapids 17.50 General Tire & Rubber Co., Akron 18.75 G. R. Herald Pub. Co, Grand Rpds 213.31 G. BR. Press, Grand Rapids ....... 10.46 Great Western Oil Co., Grand Ranids 6.75 Grinnell, Row, Althouse, Grand Rnds 10.36 Garford Manufacturing Co., Elyria 26.55 Gray Heath Co., Chicago .......... 66.45 Grafton Glove Manufacturing Co., tration. Wis. .....1.--2..------ 27.00 Heat Ometer Co., New York ...... 65.00 Howe Manufacturing Co., N. Y. . 88.49 Howell W. H. Co.. Geneva, Ill..... 2.50 Heystek & Canfield Co, Grand Rpds 36.80 James S. Hawkins, Grand Rapids 40.92 Judd & Teland Mfg. Co., Clifton s Rove Mh. Uo 5 ok eect eee ee 97 Jav & Dee Svec. Co., New York 111.00 Int. Metal Polish Co., Indianapolis 25.89 Jefferson Elec Manufacturing 5 See o-oo ese oe 29.469 Kelsey Wheel Co., Detroit ....... 5.08 Killark Electric Manufacturing Co., oe ae oo sees 18.56 Linton Equipment Co., Detroit .... 1.463 Metal Spec. Co, Chicago ........ 45.89 Milwavkee Auto Spec. Co., Mil- MRED ee ee a ce ose ees 12.00 C. W. Manzell Co., Buffalo ........ 6 60 Knight Tire & Rubber Co., Canton 1,498.92 Masonic Fair Commisston, Grand Grand Rapids 12.50 Mich. lithograph Co., Grand Rapids 35.34 Nat. Shock Absorber Co., Grand ORE i eee teense 10.50 Panl G. Niehoff Co., Chicago 14.50 Jos. Niehuis, Cincinnati ...-.-..... 21.00 Perkins Camobell Co., Cincinnati 52.31 Pittsburgh Min Lamp Co., Pitts- WE cee eer eee ne ee 40.61 Piston Ring Co., Muskegon ........ 12.36 Power & Efficiency Co., Trenton, 19.80 Perene Co. Chicage ....--------- ee -80 Postal Telegraph Co., Grand Rapids 11.87 Pittsburgh Plate Glass Co., Grand ce is ee 1.85 Puritan Shoe Co, Roc*ester ...... 13.80 Premium Puncture Proof Tire , Cenee oe. 10.00 Romart Co., Seattle, Wash. ...... 4.57 Richmond, L. R.. Grand Rapids ... 1.10 Rowson, A. W. & Co., New York 394.00 MICHIGAN TRADESMAN Reflex Ignition Co., Cleveland ... 246.46 Reliance Manufacturing Co., Masil- Mom, MD 2. c.f ee Safety Vulcanizer Co., Mason City, Geo. S. Smith, Grand Rapids .... 38.73 V. L. Sedel, Grand Rapids ....... 102.50 Sofet Vulcanizer Co., Mason City, BOWS oo ee 14.40 Sterling Manufacturing Co., Cleve- fang oo 28D Sly, W. W. Manufacturing Co., : Cleveiamn oo... 5.. ae. 3.30 star & Co, New York ............ 134.68 J. H, Shultz & Co., Manistee ..... 27.60 Tuthill Spring Co., Chicago ...... 10.40 Universal Rim Co., Chicago ...... 3.05 Union Motor Devices Co., Indi- AMARONS 9.06. ee 51.50 United Weekly Press Assoc., iSrang Bags ..........:...... 24.84 Vosburgh Miniature Lamp Co., West Orange, N. J. ........:. 40.61 Vaccum O71 Co.; Chicage ......... 40.88 Voliman, S. & Co., Chicago ........ 173.39 Wheeler & Schebler Co., Indianapolis 7.38 Wisconsin Matt Co., Milwaukee 28.90 Westfield Chemical Co., Westfield 45.00 West. Michigan State Fair Assoc., Cane Banigs |. ss cee. 5.00 Weaver Manufacturing Co., Spring- OMG, ee eee el 8.40 Williams, J. H. Co., Chicago a3 771 Standard Steel Tool Box Co., Bridgeville, Pa. .............5. 33.80 Cleveland Chain Co., Cleveland .. 9.00 Western Union Telegraph Co., Grand Rapids ...........5..,<.; 1.81 National Tire Co., Trenton 8.60 Dec. 2—In the matter of D. W. Con- nine & Son, who were formerly doing business at Wexford and Interlochen, the first meeting of creditors was held this day. Report was made by Walter H. Brooks. receiver. By vote of the cred- itors Walter H. Brooks, was. elected trustee,and his bond fixed at the sum of $10.000. The net appraisal of the stock, both at Wexford and Interlochen, ag- gregated $34,500. Dec. 4—In the matter of A. L. Goodrich & Son, of Kalkaska, the first meeting of creditors was held this day. It appearing that it is not now necessary to have a trustee of this estate, no trustee was appointed. Dec. 5—In the matter of Don W. Lydell, of Paris, final meeting of creditors was held this day. Decision on petitions for fees reserved and meeting adjourned to Dec. 16 In the matter of Earl Ardis, Reed City, the final meeting of creditors was held this day. A first and final dividend of 60 per cent. was declared and ordered paid in this matter. Dec. 6—The adjourned first meeting in the matter of Wilhelm Schmidt was this day held. Referee Corwin appointed K. B. Mathews, of Ludington, as trustee and fixed his bond at $500. Dec. 9—The final meeting of creditors in the matter of Charles N. Albrecht, who was doing business as the Ideal Electric Co., of Coopersville, was held this day. There are not sufficient assets to pay a dividend to general creditors. Dec. 11—The first meeting of creditors in the matter of Earl Snvder was held this day. By vote of creditors, Edward L. Smith was elected trustee and his bond fixed at $1,500. The report of ap- praisers shows total assets of $2,381.15. Dec. 12—In the matter of Hugh Mc- Kenzie, a special meeting of creditors to consider the alleged bankrupt’s offer of comnosition. The majority of credit- ors, both in number and amount, ac- ceented the composition and the matter ras been returned to the clerk of the court with the recommendation that it be confirmed. The alleged bankrupt of- fered 45 cents on the dollar. He owes annroximately $13.000 and his creditors will receive apvroximately, $5,850. The comnosition will prohahly he confirmed within the next ten days and the money paid out in accordance therewith. Dec, 15—In the matter of Bethiah Wil- liams, Big Rapids, notices to show cause as to the sale of the assets of this bank- rupt have gone forward on two offers as follows: One in the sum of $1,500 for the stock in trade and fixtures, from Seegmiller Bros., of Cadillac, and the ather from F. M. Cathro, of Detroit, in the sum of 52 per cent. of the appraiser’s valuation of the stock and fixtures, The sale will he held Dec. 26, Dec. 16—In the,matter of Fred Strat- ton, bankrunt, a netition in hankruptcy has heen filed. adjudication made and the matter referred to Referee Corwin The schedules show liabilities amounting to $756.96 and assets amounting to $250, all of which is claimed as exempt. Fol- lowing is a list of the creditors of the above bankrupt: Secured Creditors. Chaffee Bros., Grand Ranids ...... $200.00 G. R. Loan Co., Grand Ranids .... 60.00 Unsecured Creditors. Sam Metcalf. Grand Rapids ...... $ 39.50 Mrs. Frank McDonald, Grand Rapids 97.50 Wurzbure Dry Goods Co., Grand Rapids 100.00 Eagle Clothing Co., Grand Rapids 6.90 T. A. Donovan & Co., Grand Rapids 44.00 Menter. Rosenbloom Co., Grand Rapids 26.00 James Hughes, Grand Rapids ...... 9.61 Anderson & Hultman, Grand Rapids 33.00 Detroit Cash & Credit Co., Grand Rapids ............ sevens 29,08 Eli Cross, Grand Rapids .......... 15.00 Pastoor Bros., Grand Rapids ...... 9.00 Glenn A. Easton, Grand Rapids .. 15.00 Lehnen Coal Co., Grand Rapids .. 7.00 Home Fuel Co., Grand Rapids ... 3.35 Lansing Granite & Monument Co., ARIS 3.0, cia se couse es ose 22.00 Nellie J. Vermier, Chicago ...... 33.00 F. J. Hodges, Grand Rapids ...... 26.00 ——_2 2. Recent News of the Cloverland of Michigan. Sault Ste. Marie, Dec. 18—C. C. Coll’ns, one of the Soo’s well known travelers and successful automobile men, paid Toledo a visit last week as the guest of the Overland Company. The trip was made from Escanaba in a special car provided by the Over- land people. Mr. Collins also visited Detroit and Lansing before return- ing to the Soo and said it was one of the best trips he ever had. “Ever notice how particular a bald man is about the care of his hair?” The A. B. Klise Lumber Co. finish- ed its mill run at Gilchrist last Thurs- day and expects to soon close up its affairs in Mackinac county. The com- pany had considerable standing tim- ber in the vicinity of Lake Michigan, which it has disposed of. It has be- gun operations in Ontonagon county, which will require three years to com- plete. At the end of this contract it intends confining its attention to its Petoskey interests. The cold freezing weather for the past week has given the lumbermen the good feeling which they have been waiting for. They are now get- ting ready for the winter’s operations and many new camps are starting up each week. The little fords have had to crawl in for the winter in most of the small towns along the Soo line. The old reliable horse and cutter are once more in evidence. “Books are man’s best friends. When they bore him he can _ shut them up without giving offense.” That long-looked-for smoker was pulled off last Saturday evening by Charles Haase, President of tht Soo Traveling Men’s Association and his staff, and another big event of its kind went down in history. Charley has always been known to be some- what shy when it comes to making speeches, but what got into him Sat- urday night baffled the crowd, because he made several speeches. He told us how it was that Marquette was coming to the front and the advan. , tages the Soo offered over neighbor- ing towns as an industrial center, and promised if he had anything to do with it, the Soo would get the next industry. C. C. Collins, Secretary, was also'a busy man. He did not have ample time to give an address equal to his ambition, but consumed forty-five minutes in defense of the Soo and its live wires. The only re- gret was that the stenographer was missing during the evening and we have only a verbal account of the elo- quence of this seepch. S. D. New- ton, Vice-President, was almost taken off his feet when the President called upon him for a speech in reference to the Rosedale creamery. It was so sudden and unexpected that Stant. used only about fifty minutes in say- ing a few words in behalf of the con- ditions in Chippewa county and the prosperous future in store for the dairy products which should be taken up by the Rosedale Creamery Co. There never was a better opportunity to make a small investment turn into a large industry than at the present t'me. He figured that the time was not far distant when the farmers would realize what it meant to sup- port a creamery in this county. Pad- dy Moher, J. McKenzie and Ted Mc- Kinney did themselves proud over the presumptious eats, which consisted of everything from a ripe olive to the finest of cigars. Several of the boys had to walk around the block for exercise in order to do full justice to the large amount of varieties which was in evidence. They had the honor of entertaining a few of the Chicago meat magnets who happened to be December 20, 1916 in the city in time for the banquet ana the missing travelers certainly missed a treat. It was Sunday morning be- fore the smoker really broke up and as some of the good travelers had to make the first shift for church, it was decided to draw the meeting to a close, with the understanding that the next one would be pulled off Satur- day, Jan. 6, at which time arrange- ments will be completed for the an- nual banquet. “It is far better to have a neigh- bor owing you an apology than money.” : William Kirkbride, well-known stock man at Pickford, was a business visitor here last week. He reports the roads as somewhat heavy for au- tomobiling between here and Pick- ford. E. T. Jones, for the past nine years superindentent of the Sault Ste. Marie hospital, tendered his resignation, which took effect Dec. 18. Mr. Jones has been one of the efficient officers of the hospital here and during his term of office has been responsible to a large extent for the success and progress made by the hospital. He can look back with much pride from the time he took over the hospital, which was then in a struggling con- dition, up to the present time, when it ranks as one of the best equipped and modern hospitals of its size in the State. Mr. Jones has been suc- ceeded by F. R. Flemming, a practical pharmacist, who comes highly recom- mended. Representative Merlin Wiley left last week for Lansing on business. The many friends of Joseph Bay- liss, former sheriff, and later repre- sentative of Chippewa county, are pleased to learn that he is stepping right along and has been chosen as President of the Midland Men’s Club, He now holds a position with the Dow Chemical Co., of Midland. Joe’s friends at the Soo are always pleased to hear good tidings of him and wish him every success. A. B. Jacobs, popular traveling salesman for Franklin McVeagh & Co., left last week for Chicago to at- tend the annual meeting and banquet of his house. That the war is having its effects upon the Soo will be vouched for by J. L. Lipsett, who has secured an or- der for 1,000 war horses for the Eu- ropean market to be used by the Allies. This demand may have a bearing on future breeding in this part of the Upper Peninsula and sur- rounding communities. The Soo is again to have a com- munity Christmas tree on the lawn of the city hall park. This is the third successive year we have cele- brated the natal event in this man- ner. _ “For the traveler the best guidebook is a checkbook.” William G. Tapert. ooo Cause For Shame. A merry party was going on in the bedroom of Art. Borden at a large hotel, when the festivities were in- terrupted by a waiter who said: “Gentlemen, I have been sent to ask you to make less noise. The gentleman in the next room says he can’t read.” “Can’t read!” replied Art., “Go and tell him that he ought to be ashamed. Why, I could read when I was 5 years old.” ———_—_~+-2--- The widow of the late Heman G. Barlow has gotten out a_ beautiful tribute to the deceased, containing a biographical review setting forth the aims and accomplishments of a busy life, newspaper tributes and the funeral sermon of Dr, Bradley. The volume, which is beautifully printed and bound, is for private circulation. December 20, 1916 Generously Refuses to Knock the Pere Marquette. Mears, Dec. 17—I have just return- ed from a long, long trip. Went from here all the way to Muskegon and took in all the betwixt stations en route. Expected a_ delegation of prominent people at each station, but was disappointed. Snow too deep, maybe, A jolly trio of funny fat traveling men got on at Whitehall, They had just finished a dinner of bluefish, which has made that hotel famous. “Dot feesh vot gosts me dirty cents a bound, so hellop me.” I had heard of a car of flour that was for sale, having been consigned to a man who got tired of waiting and retired from business and as the good books (Saturday Evening Post and Michigan Tradesman) tell or warn us (eventually—why not now?), I bought it. Have been soaking up heat all day this peaceful Sabbath, preparing for a _ week’s wallowing through the snow to impress on the good farmers what brand is the Na- tional flour. I am getting old ana want to make a few honest dollars before I die to put with a bunch of dishonest ones. You may not think this was a long trip, but maybe you never tried to go a couple of miles on the Pentwater branch in the winter time. I would not knock the P. M. in the least. Paul King has done so nobly it would be a shame not to overlook some of the minor inconveniences. I don’t believe there is a man except one who could have done better—and modesty forbids me to mention who the gent is. Charles Oviatt was strutting up and down the train and two strangers got into an argument about him. They put up $5 each in my hands to settle it. One man bet that Oviatt own- ed the Armour packing plant and the other bet he was President of the P. M. It was just then we rolled or slid into the North yards and I rolled off, so both lost their bet. Coming back we left at 6:35, a few minutes MICHIGAN TRADESMAN late, with Conductor Kent at the helm. Had gone a block when a flock of sparrows lit on the track and the engineer blew the whistle and lost all his steam. As advertised, we again started, and got to North yards. We were going North, mind you, but not so fast you could notice it. Then we had to wait a few minutes for the Fremont train. We waited. After ages a gent from Whitehall and I got off and went into the back door of Dynamite Pete’s place. I guess he wanted a sandwich and I was curious to see where the robbery had taken place last summer. We hustled back to the train and it is a good thing we did, as the train started again in less than two hours. The conductor took up our tickets, as he said his time was up and a new man took his place. This was before we left the North yards. I think there must have been some delay, as I believe they usually run faster than that. It was 10:30 when we pulled out. Maybe Muske- gon has grown so it is further than it used to be between these points, but it is not over a mile, If they start to run and the time is up within a mile, I don’t wonder that the train- men want the Adamson law to go into effect, as I understand they are paid by the mile. There are a num- ber of things I could remark about the system, but I am bound that I will not knock the P. M. It is by far the best railroad in this whole country and if any one says it ain’t in my hearing, by golly, I will let him have his own way about it—in case he is a larger man than Iam. I am very liberal that way. Tf I would write all I saw and the impressions it made, it would fill a book, but I ain’t writing any darn books. I am trying to run a grocery store. Well, I said trying, didn’t I? Chronic Kicker. _ The sword in the hands of a man is less mighty than the hatpin in the hands of a strenuous woman, Sidelights on Celery City and Envi- rons. Kalamazoo, Det. 18—The Hotel Giddings, owned and conducted by Birney Bros., Lawton, has been sold to E. W. McNeil, who will make his home there. The active management will fall to Jess Barnes. Desenberg & Stoker, Lawton, have sold their stock of fancy and staple groceries to Charles O. Rockwell. Mr. Rockwell is well known in and around Lawton and a good business falls into good hands. Frank Birney’s smile, which has greeted the boys on the road so long at Lawton, will be found at the Pike House, Nile, where he and Tim Bir- ney are putting Niles on the map in the hotel world. Roy Bennett has left the Worden Grocer Company and is succeeded by John Honton, who has been inthe em- ploy of the Worden Grocer Company at Grand Rapids, calling on the trade in the interest of their coffee depart- ment. Mr. Honton comes well rec- ommended and a brilliant future is predicted for him in his new position. B. P. O.E., No. 50, has again showed its good fellowship by giving $100 to the Kris Kringle Club. The main building of the Borgess Hospital, in course of erection on the Gull Road, is now enclosed. The contract calls for the comple- tion of the structure by Jan. 1. This will be one of the finest equ'pped hospitals in the United States and a great deal of credit is due.the citizens of Kalamazoo for the support that they have given the institution. The chairman of the Kris Kringle Club announces that his organization will collect $3,000 to carry on the Christmas work this year. This Club is composed of good fellows in Kal- amazoo, who devote their time and money to making possible a Merry Christmas for every child in our city. W. H. Stover, who sold his grocery last spring, has again entered busi- 7 ness, succeeding S. P. Slavin at 229 Portage street. A. P. Scheid is entitled to a gold medal for having two of the finest trimmed windows in the city. Harrison & Son, of Schoolcraft, formerly in the grocery business, have succeeded the Schoolcraft Lum- ber Co.. W. S. Cook. ———— Boomlets From Bay City. Bay City, Dec. 18—The A. B. Perkins Co., Bay City, has taken the exclusive agency for Northeastern Michigan for John F. Jelke’s famous Good Luck brand of oleomargarine. Russ Allen, its hustling representa- tive, says he is having a fine trade on Good Luck and is making the other oleo peddlers sit up and take notice. _ The Bay City Cigar Co., one of Bay City’s new industries, which employs 120 hands, will increase the number to 200 the coming week. The Delpheon Company, which manufacturers high grade phono- graphs, has enjoyed a very success- ful business ever since it started, about one year ago. The factory at the present time is crowded with or- ders and its product is being shipped to all parts of the country. The “high cost of living” has hit the public schools of the city. The school janitors petitioned the Board of Education for an increase in wages and were granted an advance of $10 per month. Changes made in the income tax law by the act of Sept. 8, 1916, will result in many more returns being made to the Collector of Internal Revenue. The amount, under the new law, is fixed at $3,000, instead of $4,000, provided by the old law, on which a person is required to pay taxes. This amount is getting down to where some of us live, but a large majority of traveling men are not in any immediate danger of a visit from the income tax collector. W. T. Ballamy. Barney Langeler has worked in this institution continuously for over forty-five years. Barney says— | wonder how many merchants in Western Michigan know how big a stock of groceries our Company carries. After a customer sees our big stock it’s easy for him to know why we can ship his order the day it is received. WorRDEN GRAND RAPIDS— KALAMAZOO ROCER THE PROMPT SHIPPF s OMPANY MICHIGAN TRADESMAN December 20, 1916 MICHIGANTRADESMAN (Unlike any other paper.) DEVOTED TO THE BEST INTERESTS OF BUSINESS MEN. Published Weekly by TRADESMAN COMPANY, Grand Rapids, Mich. Subscription Price During 1916. One dollar per year, if paid strictly advance. ‘ Two dollars per year, if not paid in advance. Canadian subscriptions, $2.04 per year, payable invariably in advance. Subscription Price After January 1, 1917. Two dollars per year, if paid strictly in advance. Three dollars per year, if not paid in advance. Canadian subscriptions, $3.04 per year, payable invariably in advance. Sample copies 5 cents each. Extra copies of current issues, 5 cents; issues a month or more old, 10 cents; issues a year or more old, 25 cents; issues five years or more old, $1. Entered at the Grand Rapids Postoffice as Second Class Matter. E. A. STOWE, Editor. December 20, 1916 NOT SO VERY HONEST. It is a common remark that fire in- surance companies are attuned to a high sense of honor because they are composed of bankers, lawyers and business men generally. All this is granted, yet there is a chance that the management may not be in keeping with the standard of honor main- tained by the directors. The latter meet once a month or once in three months, listen to the reports present- ed by the managers and pass on them perfunctorily. The stockholders want dividends and elect directors who will see that dividends are forthcoming. The directors select men for managers who can produce dividends. The managers are up against a stone wall, so far as maintaining their own po- sitions is concerned. They must make money on the business of the com- pany—legitimately if possible; by hook or crook, if it cannot be done legitimately, This explains why some insurance companies employ bu- reaus to settle their losses, instead of effecting settlements through their own employes—because the bureaus promise to save money by coercing and brow-beating timid insurers who have suffered losses by fire and also by threatening them with expensive litigation. Take the Hatchew and Brooks case, for instance. They had nearly $6,700 stock and $3,900 insurance. The loss was an honest one. No suggestion of incendiarism was made by any one except Shaw and he intimated that in only one place of business in Grattan. No honorable representative of any insurance company would have con- sidered for a moment the idea of paying anything but the face of the policies. Because Shaw was employ- ed by an adjustment bureau which owes its existence to the anxiety of fire insurance companies to secure settlements at less than they should settle ‘or. he undertook to force the insured to accept $1,400 less than they were ‘onestly, legally and legiti- mately entiti 1to receive. But for the intercession or ‘he Tradesman, the cred- itors of the insured and the State In- surance Commissioner, Shaw would probably have been able to inveigle Hatchew and Brooks out of the $1,- 400 which he insisted in deducting from the amount the companies were finally forced to pay. If Shaw had suc- ceeded in accomplishing his purpose, the three insurance companies car- rying this risk would have been ahead $1,400 in cash of the realm. The of- ficers of the companies interested would not have been _ technically guilty of stealing the money, person- ally, but they would have profited by the transaction and would have been equally guilty of wrong doing with Shaw, because, in turning over the adjustment of their fire losses to an adjustment bureau, they knew that they are going to save money through the employment of methods they would not resort to themselves. It is all very well to prate about the honesty of fire insurance officials. but so long as they employ agencies to do their adjusting which they know employ creatures who will stoop to any depth to accomplish their ends, their pretensions to the possession of a high sense of honor fall flat and do not meet with acceptance in the minds of men who are committed to the theory and practice of the Square Deal and the Golden Rule. POLITICAL CLAP TRAP ONLY. It is a short life that the Newlands Committee is living, and one gets a new impression that t.he Adamson law and its attendant activities were devised for pre-election purposes. The Committee has decided to sus- pend hearings within a few days, and it is understood that the whole in- vestigation of the question of gen- eral railroad regulation has been drop- ped, so far as that Committee is con- cerned. The Adamson law virtually declared eight hours to constitute a day in the life of the railroad men who were threatening to strike, but provided that after this law had been enacted a committee should find out whether it was wise or not, that is how the thing would work. That was a curious mix-up, but there was a clear purpose in the enactment, and the President was re-elected. The reason given out by Senator New- lands is that the members must de- vote their whole time to the legisla- tion proposed by President Wilson supplementing the Adamson law. But the Supreme Court will have its part in the drama. January 8 is des- ignated as the day for a hearing on the subject by that .body, to which it will be carried by the lawsuits re- cently initiated. Only ten days remain in which Tradesman subscribers can secure yearly credits in advance at the $1 rate. Hundreds have taken advantage of this opportunity during the past month and hundreds more will prob- ably avail themselves of this privilege during the last ten days of December. All the Tradesman can reasonably ask is that the remittances reach the publication office before the close of business Dec. 30. Any remittances received after that date will be ac- cepted only on the $2 basis. Zero weather loses much of its terrors after a cup of coffee and a good warm breakfast. _or State agent. SOME INSURANCE DON'TS. 1. Don’t accept a policy in which the word “concurrent” appears anywhere on the rider. 2. Don’t tolerate the “joker” describ- ed elsewhere in this week’s Tradesman. In nine case out of ten it renders your policy void. 3. Don’t take anything for granted when you accept a policy from the hands of the agent. Above all things insist that the agent give you a written agree- ment that in the event of a loss under the policy the adjustment of the damage will not be referred to an adjustment bureau, but be attended to by the local File this agreement with the policy. 4. Don’t sign a non-waiver agreement in case of fire. It has no authority in law or equity and is the creation of crafty and unscrupulous adjusters to secure an advantage over the insured. Remember the trouble Hatchew and Brooks had because they were inveigled or coerced into signing a non-waiver agreement and the stubborn attitude as- sumed by Shaw when importuned by gentlemen to re-open the case on its merits, 5. Don’t fail to keep a complete and minute inventory of everything you wish covered by your policies and a de- tailed record of purchases and daily sales in a fire proof safe. Both the inventory and record of purchases should be written in ink in well bound books. If you have room in the safe, keep the original invoices also. An ap- praisal taken by an outside party is very much better than an inventory taken by yourself. No money you can expend will be more judiciously employed than in the purchase of a yearly appraisal by a competent appraiser. 6. Don’t deal with the representa- tive of an adjustment bureau under any circumstances. Insist on settling your loss with the local agent, the State agent or the company direct. 7. Don’t employ a shyster agency to act for you in settling your loss. If you have done your part and kept your rec- ords as you should, according to law, you need no outside assistance and can rest assured that, in the event of a fire, you will receive all you are entitled to, if you have kept your premises in proper condition and have done nothing to in- validate your policies. PROHIBITORY LAW NEEDED. Michigan has enacted a good many prohibitory laws in the past and there are a number of similar laws which can be placed on the statute books in the interest of common honesty and decency. One of these is a law pro- hibiting the settlement of fire insur- ance losses by bureaus and _ third parties whose only excuse for ex- istence is that they can save the com- panies money by resort to intimida- tion, coercion and litigation. There have been many cases where insur- ance adjusters regularly employed by the companies have not dealt honor- ably with the insured, but such cases are rare compared with the instances which have been brought to the at- tention of the Tradesman where gross injustice has been done by adjust- ment bureaus organized and main- tained solely “to effect settlements at a great saving over what the com- panies themselves can do.” With the State agents and the lo- cal agents who write the policies the insurance companies have all the ma- chinery necessary to adjust losses quickly and satisfactorily. Where this policy is pursued satisfactory settle- ments are generally effected within a few days. When, on the other hand, settlements are referred to adjust- ment bureaus, they usually drag along for months, resulting in crimination and recrimination, involving the in- sured in much useless expense, ren- dering necessary the employment of lawyers and resort to appraisers, Seri- ously disturbing the amicable rela- tions which should exist between in- surer and insured and creating prej- udices and hatreds which last a life- time and eventually result in drastic legislation which sometimes hits the companies pretty hard. As cases in point, the Tradesman has only to cite the Hatchew and Brooks and Valley City Chair Co. losses. The former dragged along five months before it was honorably adjusted and the lat- ter has been an open sore since June 7, the date on which the loss occur- red. If the adjustment bureaus always selected honorable men to represent them, the prejudice against them would not be so marked and the de- mand for their exclusion from the State would not be so_ strenuous. Even when the find they have employ- ed an unfit man, they do not dispense with his services. Shaw has demon- strated to the satisfaction of hun- dreds of business men that he is not fitted by either nature or tempera- ment to adjust losses properly, yet his employer does not dispense with his services—simply transfers him to Cleveland, where he will be quite likely to repeat the disgraceful record he leaves behind in Grand Rapids. In view of these facts, the only thing left for the business public of Michigan to do is to secure the enact- ment of a statute prohibiting the ad- justment of fire losses in this State by any but regularly authorized rep- resentatives of the companies—either. local or State agents. NAIL THE WORD CONCURRENT Many insurance agents are writing policies and putting on the riders the words, “Other concurrent insur- ance permitted.” This is not a good thing for the insured to permit. He should not tolerate the use of the word “concurrent” for good and suf- ficient reasons. The main reason is that all of the policies taken out by the insured are not always written by the same agent and the forms na- turally vary, possibly only in the case of a single word, but enough, under the circumstances, so that the forms are not concurrent. This gives the unscrupulous adjusters employed by adjustment bureaus a club to use over the head of the insured at a time when he is peculiarly susceptible to false statements and misleading in- sinuations and enables them to coerce the insured to accept less than the face value of his claim.’ If any mer- chant has a policy containing the word “concurrent,” it would be well for him to have it eliminated at once. i a December 20, 1916 MICHIGAN TRADESMAN AUTOMOBILES AND ACCESSORIES Features to Be Observed in Purchas- ing Trucks. The selection of a commercial ve- hicle should be governed not so much by technical details of truck construc- tion, such as the various forms of drive and the like, but the require- ments of the work to be done. A truck or delivery car gives its full- est value when it is kept constantly at work, It is obvious, that a truck which is too small and must be over- loaded and which has frequent break- downs as a result, will not turn out to be a profitable investment. It is no less obvious that a truck which is too big for its work, and is never fully loaded will only be delivering part of its value. It, too, will not be a prof- itable investment. The trick of the successful buyer is to choose a ma- chine of the right type, weight—ca- pacity—and speed. Models now on the market range from those of less than one-half ton capacity up to big fellows capable of carrying seven tons and over. In this range are four or five capacities which seem to have earned greater popular- ity than the others. They are what might be called standard sizes. They are the 1,500 pound delivery car, the one ton truck, the two ton truck, the two and one-half ton truck and the three and one-half tonner. The sizes which have fallen somewhat into dis- favor, or let us rather say, disuse, are the less-than-one-half ton, the three ton, four, five and one-half and six and one-half ton sizes. First let us consider the delivery car and the work for which it is fit- ted. That is more or less determin ed by its name, except, of course, that everything carried in any vehicle is “delivered” somewhere, and the de livery truck, proper, is not supposed to haul big crates, heavy machinery, barrels of cement or, in fact, anything but light packages. Delivery cars find their greatest field probably in making store deliveries— department stores, bakeries, grocery stores, milliners, shoe emporiums, and the like. And their work is arduous in the extreme. Delivery cars must be endowed with two great qualities—speed and endur ance, They require speed because they have to cover wide areas in the shortest possible time. The store whose system cannot deliver the goods on time consistently is in more or less danger of becoming decidedly unpopu- lar with its customers. The delivery car needs endurance, for it is driven at comparatively high speeds over all kinds of roads, in all kinds of weather. And even under the best management it is apt to be put into the hands of a driver who does not care how he treats it. From observation, it seems to me that the army of delivery car drivers are born with few of the finer sensibilities. They lack the feeling, possessed by good chauffeurs, that delivery cars have feelings—that they should be treated with care and with a certain consideration. In buying a delivery car, therefore, look above all for stanchness com- bined with speed. Look also for sim- plicity. The more nearly foolproof the mechanism, the longer will be its life. Easy-riding qualities—for which examine the spring suspension— should be insisted on—less for the sake of the driver than for that of the merchandise, which is frequently fragile. Beware of flimsy construc- tion—especially in the rear end, in the front axle and in the steering gear, The driver of a delivery car can sel- dom choose his roads, and the vehicle should be able to stand up through month after month, and even year after year, of bumpy going. It is a good plan to figure out in ad- vance the amount of ground the car will be obliged to cover in an average day and divide up the territory into zones. It might be, for instance, that the majority of your customers lived in two groups—one due north from your store and one due south. In such a case you would have to decide whether one car could reach both zones the requisite number of times in a day, or whether two cars would be necessary. It is absolutely essential to the eco- nomical operation of commercial cars that they should always start out with a maximum average load. This distributes the delivery cost over a number of items. It is absurd to put a few little things into a big truck and send it out when you might put them into a small one that would cost so much less for the same distance. It might pay you to buy one 1,500 pound car and another very much smaller, one for the north route, the other for the south route, or vice versa. Every man must base his vehicle needs upon the requirements of his business. And when he is figuring along this line, he should not forget to count on a prob- able increase of business. The question as to whether delivery cars and tracks should have selfstart- ers and electric lights is more or less open. More makers are offering these on their 1917 models than on their past year’s models. It is obvious, of course, that if the machine is to be used for much night work—and delivery cars are frequent- ly used a great deal at night—electric lights are desirable. If many stops are to be made—and delivery cars have to stop almost every other chug —a starter would seem to be desirable, too. Cranking the car, say, fifty times a day or more, is apt to have a rather enervating effect on the driver. On the other hand, however, self-starters on delivery cars have a habit of re- fusing to work so frequently that their value is doubtful. You see, when a machine makes many stops, without running much between stops, the gen- erator has no chance to charge the battery. In winter, especially, the self- starting system is prone to lie down. since the battery action is slower in low temperatures. Pneumatic tires are almost always furnished on delivery cars. Indeed. they are necessary, for solid tires are 9 not meant for fast running and would soon cause the machine to be jolted to pieces. These are the major considerations in buying a light delivery car. First find out the kind of work to be done, the average load, and the territory to be covered; then choose your car with these requirements in mind and watch out for any accessories that may make for more efficient delivery. The things to look for in some of the heavier vari- eties will be taken up in a later issue. John Chapman Hilder. |! USED AUTOS —My Specialty. Largest Stock— Runabouts $65—$350 Touring Cars $150 and up What have you to trade? Easy terms. Dwight’s Used Auto Ex. 230 Ionia. N.W. what you charge for. in this manner? due you. safety, etc. Avoid Costly Guessing! You wouldn’t think of running your store without using a refrigerator, cash register or Computing Scales—but this would be just as logical as being without means of accu- rately measuring the kerosene you sell. Customers come in with cans of various sizes, you fill them up and charge for an even quart, half-gallon, ete— even though the cans may hold a great deal more than Did you ever stop to consider how much you are losing ESTABLISHED 1885 wy Self-Measuring Outfits solve this and many other important problems, But this one point alone would make a Bowser Outfit a paying investment in your store. Look at the illustration of the Computer shown above— you hang the customer’s can on the pump nozzle and when the can is filled an indicator points to the exact selling price of the oil delivered. Your customers receive no more nor less than they pay for and you receive all of the profit Then there are the numerous other advantages gained through the use of a Bowser—convenience, cleanliness, You can easily pay for a Bowser with what it’s cost- ing you to do without. Write today for detailed informa- tion—no obligations incurred. S. F. Bowser & Company, Inc. Fort Wayne, Indiana Sales Offices in All Centers—Representatives Everywhere rk 10 MICHIGAN TRADESMAN December 20, 1916 — = = = - BUTTER, EGGS 48D PROVIS Michigan Poultry, Butter and Egg Asso- clation. President—J. W. Lyons, Jackson. ne Hurley, De- troit. Secretary and Treasurer—D. A. Bent- ley. Saginaw. Executive Committee—F. A. Johnson, Detroit; H. L. Williams, Howell; C. J. Chandler, Detroit. Secretary of Agriculture For Food Standards. If the recommendation of the Sec- retary of Agriculture, in his report to Congress, just submitted, is adopted, it will become illegal to make and sell a food product of less than the purity and quality defined in an official standard, unless the variation from that standard is plainly stated on the label. This is a brand new feature to have enacted into the Pure Food Law, al- though there has been authority in the law heretofore for the enforcing officials to establish standards and such standards have been in force, although not in the compulsory way now proposed. The American Spe- cialty Manufacturers’ Association has been working for that end. At the Detroit convention of the food officials last summer its legislative committee conferred with the leading food com- missioners with reference to the mat- ter. The result was that such stan- dards were endorsed for inclusion in the law as amended and the commit- tee recommended that the Secretary of Agriculture take it up, which he has done, The Secretary also adopts the sug- gestion of compulsory factory sanita- tion inspection. His recommenda- tions are quoted as follows: Standards For Foods and Drugs. “Experience in connection with the administration of the Food and Drugs Act has strikingly emphasized the im- portance of enforceable standards for foods and drugs. Without them it is impossible to carry out completely the purposes of the act. In many in- stances protection of the consumer— the principal object of the law—can- not fully be accomplished, nor can un- fair practices on the part of unscrupu- lous manufacturers adequately be pre- vented. In some cases maintenance of prosecution is difficult and ex- pensive, even when the articles in- volved clearly are adulterated or mis- branded. “To meet this situation, I have rec- ommended in the estimates for the fiscal year 1918 that the Secretary of Agriculture be authorized to establish standards of strength, quality, or pur- ity for articles of food and for those articles of drugs which are sold under or by a name not recognized in the United States Pharmacopoeia or Na- tional Formulary. The suggestion provides that if any article fails to conform to the established standards it shall be deemed to be misbranded, unless it is labeled so as plainly and conspicuously to show how it differs from the standard. “The adoption of legally enforce- able standards will benefit both the consumer and the honest manufactur- er. They will give consumers exact information as to the quality of food and drug products and will enable manufacturers to produce articles which will meet the requirements of the act, putting competition on a fairer basis. They will be a great assistance to Federal and state offi- cials in the enforcement of food and drug laws and will tend to promote uniformity among the various states. “T have also recommended in the estimates that the Department be giv- en authority to inspect establishments producing foods or drugs intended for shipment in interstate or foreign com- merce. No specific authority exists at the present time. While many manufacturers do not object to inspec- tion of their factories, the lack of defi- nite authority has caused considerable embarrassment in the enforcement of the Food and Drugs Act. “There are many forms of adulter- ation which are exceedingly difficult to detect without inspection of the place of manufacture. This is par- ticularly true of foods produced un- der insanitary conditions. In many instances it is impossible to deter- mine from a chemical or bacteriolog- ical examination the conditions under which a particular food or drug was produced. It .is unnecessary to em- phasize the importance of sanitation in the preparation of food products. “If the suggested authority be granted the Department should be able to improve the quality of food products, both by bringing to the at- tention of manufacturers any insan- itary conditions that may be discover- ed and by securing evidence of pro- duction under insanitary conditions.” —_>-.>—_—_ A Mean Advantage. In a recent charge on the Somme a detachment of 200 British captured nearly as many Germans, but, as the fight was not over, the British could not spare many men to conduct their prisoners to the rear. In th's emerg- ency, training a machine gun on them, they searched their pockets for knives, or other possible weapons, and finally removed their suspenders. As _ the Teutons then were obliged to keep their hands in their pockets to hold their trousers, they were sent to the rear under a smali guard. —_>-+2—___ It’s all right to ride a hobby if you know where to get off. GOLD BOND R > | AN Manuf'd by Z Q AMSTERDAM E D BROOM CO. AMSTERDAM, N. Y. Use Half as Much Champion Motor Oil as of other Oil P PACKED IN CASES GRAND RAPIDS OIL CO. DORNBOS’ SINGLE c P R l Z E GOLD BOND BINDER CIGAR DORNBOS’ Perfectos bp C Cigar Mr. Flour Merchant: You can own and control your flour trade. Make each clerk a “salesman’’ instead of an “order taker.”’ ’ Write us to-day for exclusive sale proposition covering your market for Purity Patent Flour We mill strictly choice Michigan vrheat, properly blended, to producea satisfactory all purpose family flour. GRAND RAPIDS GRAIN & MILLING CO., Rea & Witzig Grand Rapids, Michigan PRODUCE COMMISSION MERCHANTS 104-106 West Market St. Coleman Buffalo, N. Y. (Brand) : Established 1873 Terpeneless Live Poultry in excellent de- mand at market prices. Can handle large shipments to ad- vantage. Fresh Eggs in good de- mand at market prices. LEMON Pure High Grade VANILLA EXTRACTS Fancy creamery butter and good dairy selling at full quota- tions. Common plenty and dull. Send for our weekly price cur- rent or wire for special quota- tions. Refer you to the People’s Bank of Buffalo, all Commercial Agen- cies and to hundreds of shippers everywhere. Made only by FOOTE & JENKS Jackson, Mich. We Are in the Mark Sigs Daily is ho B E A N S White Beans, Red Kidney Beans, Brown Swedish Beans Also CLOVER SEED Write or call Both Phones 1217 MOSELEY BROTHERS Grand Rapids, Mich. The Vinkemulder Company Jobbers and Shippers of Everything in Fruits and Produce Grand Rapids, Mich. December 20, 1916 MICHIGAN TRADESMAN 1l Bankruptcy Proceedings in South- western Michigan. St. Joseph, Dec. 11—Charles Rasak and Louis J. Rasak, doing business as Rasak Brothers, at Dowagiac, filed a voluntary petition and the matter, in the absence of the District Judge, was referred to Referee Banyon, who entered an order adjudging petitioners bankrupt. The fol- lowing are scheduled as creditors: Secured Creditors. Frank Reed, Dowagiac ........... $850.00 Unsecured Creditors. Albert Crall Co., Chicago ........ $154.43 Schuyler Krindge & Co., South Beng 4.39 J. Baum Safe & Lock Co., Cin- CINNaAe 30.00 Ginacchio Costa & Co., Chicago .. National Grocery Co., South Bend 54.91 John W. Ladd Co., Detroit ........ 147.05 Eigin Milk Product Co., Chicago 22.80 Fruit Dispatch Co., Grand Rapids 51.99 Vinkemulder Co., Grand Rapids .. 123.50 Palmer & Cartright Paper Co., Battle Creek) 0.0, 6.00 Western Union Telegraph Co., DowagiaG 200 11.01 I. S. Hubbel, Dowagiac ........... 26.34 Claud D. Upson, Dowagiac ........ 146.71 Est. P. D. Beckwith Inc., Dowagiac 38.62 Michigan State Telephone Co Dowariag (oo 11.00 M. Piowaty & Sons, Dowagiac .... 339.75 Dowagiac Creamery & Butter Co., DOwamiag 00s 169.06 Dowagiac Coal & Iron Co., Dowagiac 8.00 E. W. Zlanke, Millburg ............ 73.0 A. W. Clymer, Millburg .......... 9.00 “ A. Krause, Millburg ../...5.)...00. 27.00 Lee R. Harris, Millburg .......... 24.15 Jack Walter, Millburg ............ 3.40 George Northrup, Millburg ........ 20.16 George Miltibarger, Millbure .... 21.90 Be eiiler, | Millpure | ci 12.35 John Arndt, Millburg .............. 41.20 Charles Arndt, Millpure | 26.5. /2:., 61.60 KE. W. Young, Millburg ........... 42.00 J. H. Shyne, Millburg ............ 81.80 J. Hirsch, Millbure .............. 15.30 A. J. Blzas, Millbure ..4.......)... 30.00 Ed, Arndt, Millbure’...4........... 30.00 B. P. Brant, Millburg ............. 35.70 Charles Arndt, Nilipures i .0...... |. 10.50 J. Hauser, Millbure .............. 163.52 John Ellis, Millburg .............. 27.50 #. Eller, Millbure =. .0.0 0.0. 29.70 H. Kniebes, Millburge ..........._.. 35.84 John Malter, Millburg ............ 103.50 Ben Sael, Milloure, 207.0060 6 001550) 55.00 A. PF. Walter, Millbure .......)._ | 26.25 John Hasse, Millburg ............ 54.00 L. A. Conklin, Dowagiac ...... unknown Bishop Hardware Co., Dowagiac unknown Hinkley & Garrett, Dowagiac ..unknown Dowagiac Transfer Co. ........ unknown Aaron Zelner, Dowagiac ....... unknown Israel Oppenheim, Dowagiac ...unknown $2,420.93 Assets. stock: of foads: .. 3.1... $652.00 Accounts receivable ............... 820.00 $1,472.00 Dec. 12—In the matter of Silas Parr, bankrupt, of South Haven, the first meet- ing of creditors was neld at Paw Paw and George Norcross, of Grand Rapids, was appointed trustee. Loomis K. Pres- ton, William McCracken and Paul Kull, of St. Joseph, were appointed appraisers. The bankrupt was sworn and examined by the referee and attorneys present, testimony to be transcribed and filed. The meeting was adjourned for three weeks at the referee’s office. Dec. 13—Maurice E. Pratt, engaged in the garage business at Otsego, filed a voluntary petition and, in the absence of the District Judge, the matter was re- ferred to Referee Banyon, who entered an order adjudging petitioner bankrupt. The following are listed as creditors: Secured Claims. National Cash Register Co., Toledo $185.00 Unsecured Creditors. Bayerson Oil Co., Erie ............ $ 33.00 Butler Bros,, Chicago ............ 6.72 Standard Oil Co., Grand Rapids ... 74.94 Columbus Varnish Co., Columbus 4.54 Motor Car Supply Co., Chicago National Refining Co., Cleveland 93.50 Julius Andre & Sons Co., Milwaukee 33.0 The Searchlight Co., Detroit ...... 6.00 Michigan Tire Co., Grand Rapids 112.37 Indian Refining Co., New York ... 45.80 The B. F. Goodrich Rubber Co., BETOR (oe cee lees sic. 87.83 Chicago Rubber Co., Chicago ...... 17.42 Sherwood Hall Co., Ltd., Grand ARIAS oc os. el. eek 58.52 Lee Tire & Supply Co., Grand RADIGS foe c secs e eee aeece £08.04 H. L. Bellinger, Plainwell ......... 21.63 $801.67 Assets. Stock in trade ....620052..... 3. $274.02 Debts due on open accounts ...... 260.69 $534.71 Dec. 14—In the matter of William Sweetland, bankrupt, of Kalamazoo, an order was made by the referee, calling the first meeting of creditors at the latter place on Dec. 28 for the purpose of prov- ing claims, the election of a trustee. the examination of the bankrupt and the transaction of such other business as may properly come before the meeting. In the matter of Morris lL. Fox, bank- rupt, of Kalamazoo, the trustee filed his supplemental final report, showing dis- tribution of all the funds with request that he be discharged whereupon an or- der was made by the referee closing the estate and discharging the trustee. Dec. 15—In the matter of the Original Dollar Hat Store, a corporation, bank- rupt, of Kalamazoo, the adjourned first meeting of creditors was held at the ref- eree’s office and the trustee’s first report and account, showing total receipts of $915.87, was considered and approved and allowed. Upon recommendation of the trustee, a first dividend of 10 per cent. was declared and ordered paid to all unsecured creditors whose claims had been filed to date. Certain expenses of administration were ordered paid and the first order of distribution entered, where- upon thre meeting was adjourned for thirty days. In the matter of Elizabeth Hare, bank- runt, of Kalamazoo, an order was entered calling the first meeting of creditors at the latter place for the purpose of prov- ing claims, the election of a trustee, the examination of the bankrupt and the transaction of such other business as may properly come before the meeting. Dec. 16—In the matter of Maurice Il. Jones, bankrupt, of Benton Harbor, the adjourned first meeting of creditors was held at the referee’s office. The trustee filed his first report and account, also his report of exempted property. Upon petition of the trustee, an order was made directing the bankrupt to show cause why he should not deliver to the trustee a ford automobile at a hearing to be held on Dec. 23. The examination of the bankrupt was continued and the same further adjourned for one week. The amended report of the appraisers, show- ing assets consisting of stock of the face value of $1,500, was considered and al- lowed. The first meeting of creditors was further adjourned for one week. ——_2-+-2--—__—- Sauerkraut Is Valuable Food. Perhaps in no other single instance can the stamp of modern progress be more clearly felt and seen than in development of the sauer kraut in- dustry, said John Dill Robertson, who is Chicago Health Commissioner. Sauerkraut is one of the most an- cient foods of Europe dating back centuries in Germany and a long time, also, in Russia. Curing was done much the same way in both countries, but in Russia the kraut was preserv- ed in pits, and in Germany the pea- sants put it in old wine casks and oth- er containers. Processing and handl- ing, however, was by crude methods. “To-day there are special machines for shredding the cabbage into long thin strips and the curing is now done in large vats or tanks, with extreme precaution as to the cleanliness and general sanitary conditions. After tanking or curing the cabbage, in oth- er words after the cabbage has become kraut, it is packed in barrels or kegs. It is also put up in No. 3 and 10 tins, hermetically sealed. “It is generally accepted the world Over, among dieticians, that sauer kraut is one of the most valuable prod- Wm. Alden Smith Bldg. If you want to buy or sell potatoes, wire or write MILLER MICHIGAN POTATO CO Wholesale Produce Buyers and Shippers POTATOES Correspondence solicited Grand Rapids, Michigan ucts of the vegetable kingdom in wholesomeness and appetizing qual- ity. The acidity of the fermented cab- bage acts in conjunction with the acid of the stomach aiding and stimulating digestion. “Tt is a well-known fact that many people who cannot eat plain boiled cabbage without subsequent distress, may eat sauer kraut with perfect im- punity. “By experiments and gradual- at- tainment of experience, American sauerkraut has reached a point of per- fection excelled by that of no other count It may be sad, furthermore, that as a food it is the cheapest product on the market, a single quart, or No. 3 can, containing sufficient for a family of five or six persons.” 7 in the world. Bell Phone 860 Citz. Phone 2713 Lynch Bros. Special Sale Conductors Expert Advertising—Expert Merchandising 28 So. Ionia Ave. Grand Rapids, Mich. Don’t Despise the Drink- ing Man—Help Him Don't kick a man because he is drunk. Help him. Surely every man is worth saving. Drop us a line and let us tell you how we can aid him. Ad- dress The Keeley Institute, 733-35 Ottawa Ave.. N. W., Grand Rapids, Mich. ALN Co me ae tiie Oolitirt iby “Quality” Paint Manufacturers OU aeontmct yt tet Get Our Dealers Proposition BIG RAPIDS, MICHIGAN Grand Rapids Store Fixture Co., Inc. The Place, 7 Ionia Ave., N. W. BUY AND SELL Used Store and Office Fixtures 139-141 Monroe St. ee GRAND RAPIDS, MICH. Dandelion Vegetable Butter Color A perfectly Pure Vegetable Butter Color and one that complies with the pure laws of every State and of the United States. Manufactured by Wells & Richardson Co. ; Burlington, Vt. Watson-Higgins Milling Co. Merchant Millers Grand Rapids, Michigan Owned by Merchants Products Sold Only by Merchants Brands Recommended by Merchants Cook or No Cook, Anybody can Do That Although the Kewpie Cook, **Whose apron hangs before his legs, Is most expert with ham and eggs.” he can make a Jell-O dessert as beautifully as if he had never done anything else. Wag the Chief or the Carpenter could do it alone. For JELL- doesn’t have to be cooked. All that is necessary is a package of Jell-O, a pint of boiling water, and somebody to put them together. That is one reason why Jell-O is so popular with your customers. Another reason, which is particularly interesting to every ee grocer, is that the Jell-O quality is so high that it is good enough for “gilt-edge’’ trade and its cost is so low that very economical customers buy it regularly. Made in seven pure fruit flavors: Strawberry, Rasp- berry, Lemon, Orange, Cherry, Peach, Chocolate. 10 cents. THE GENESEE PURE FOOD COMPANY, LeRoy, N. Y., and Bridgeburg, Ont. A tightly sealed waxed paper bag, proof against moisture and air, encloses the Jell-O in each package, 1 wl Each i ; oe | : 5 ; | SN | ap RAW BERRY) Sl STRUTT FLAVOR, PN BE yece Tate om Rr vt FOOD, | in OEE Sees | £ ie) | " co Lee 12 MICHIGAN TRADESMAN December 20, 1916 Zo it red 2 Some of the Vagaries of Financial Reformers. Every so often a would-be finan- cial reformer pops into public notice. The latest is one who is trying to agi- tate financial circles with the doctrine that neither banks nor trust com- panies have any right to purchase either foreign or domestic securities for their own account. The argu- ment is that the money of the banks and trust companies should be kept in liquid form and that it should only be used for collateral loans or loans on commercial paper. There are times in the careers of all financial institutions when they must either purchase short time bonds or stocks or allow their money to lie idle in the vaults. Money is worthless to a bank or trust company if not in use. In making conservative purchases of se- curities banks and trust companies are only doing their plain duty, in- volving no more risk in the purchase of securities than they would in ac- cepting these same securities as col- lateral for loans. The inconsistency of this reform cry is very plain. In one statement “the purchase of stocks or bonds by a bank is speculation and subject to a risk; in another these same securities are not objected to as collateral. If a bank runs a risk in buying, does it not run the same risk in loaning? As a matter of fact at no time in the history of the country have banks and trust companies been so ably managed as they are to-day. This is especially the case in the State of Michigan. A question that is often asked of bankers and, no doubt, occurs to most persons of means who may be un- familiar with the income tax law is, “In paying the Federal income tax, why is it one has to pay the normal tax on the income received from cor- porate bonds and does not have to pay the normal tax on dividends re- ceived from the stock of the same cor- poration?” The answer is: The relations ex- isting between the bondholder and a corporation is that of debtor and cred- itor. The bondholder loans his money to the corporation for a definite period at a definite rate of interest. This interest is not chargeable as an ex- pense of doing business and the cor- poration does not pay the income tax on this amount. On the other hand, the stockholder through his owner- ship of the stock of a corporation is part owner of the corporation and his income represents the net earnings of the corporation paid to him in the form of dividends. The company pays the normal income tax on its net earn- ings, which practically amounts to a payment by the stockholder himself. There is another significance to be attached to the recent stringency in the money market for collateral loan purposes indicating a condition that is really encouraging. It now tran- spires that the big reserves of cash are held by what are termed in the East the country banks. These banks in the smaller cities of the country, especially in Michigan and the Middle West, have from the beginning been very conservative, both as to the Federal banking system and to the war boom. They believed and still believe in the “safety first” doctrine and prefer to keep their gold in their own vaults, rather than in those of reserve banks. They distrust a busi- ness boom based on the enormous waste of capital in Europe. In this they have pursued a campaign of pre- paredness at what might be termed a loss of profit, as they could have re- ceived temporarily satisfactory earn- ings from the cash if placed at the disposal of speculators on collateral loans. This conservatism upon the part of our banks at a time when idle money in their charge was plentiful should increase and firmly establish public confidence in our Michigan fi- nancial institutions. To their credit be it said, there was a reflection of this conservatism on the part of the big New York financial institutions which were able to furnish funds enough to keep the rate on call money within bounds. They held aloof because they deemed the specu- lative. fever was becoming’ too rampant, and withheld their funds. allowing call money to mount to 15 per cent. to check the bull movement in stocks, most of which was for spec- ulation on margins. A question that is best attention of receiving the bankers in some parts of the country is that of cat- tle raising. This fact shows how the spirit of progress has seized upon our business interests. It shows that not only is there a farsighted move- ment for future prosperity in which the banks are to share, but an upward trend of business thought in which is mingled a strain of unselfish de- sire for the betterment of man- kind. This is a movement of vital im- portance—as vital as the farm educa- tional movement being guided by the agricultural committee of the Michi- gan Bankers’ Association. It means, if introduced in Michigan and _ suc- cessfully carried on, greater financial independence of the farmer through the returns on the stock grown and fertilization of his lands and a factor in reducing the high cost of living in one branch of the necessities of GRAND RAPIDS NATIONAL CITY BANK CITY TRUST & SAVINGS BANK ASSOCIATED CAMPAU SQUARE The convenient banks for out of town people. Located at the very center of the city. Handy to the street cars—the interurbans—the hotels—the shopping district. On account of our location—our large transit facilities—our safe deposit vaults and our complete service covering the entire field of banking, our institutions must be the ultimate choice of out of town bankers and individuals. Combined Capital and Surplus.................. 6.000 $ 1,778,700.00 Combined Total Deposits.................ccece ee eues 8,577,800.00 Combined Total Resources ............:eesees cece eees 11,503,300.00 GRAND RAPIDS NATIONAL CITY BANK CITY TRUST & SAVINGS BANK ASSOCIATED THE MICHIGAN TRUST Co. OF GRAND RAPIDS As Custodian or Trustee will for a small fee, take your securities for safe keeping, manage your property, collect your income, whether in the form of rents, interest or dividends, care for your real estate and pay you the proceeds at stated periods to be agreed upon. Consultations are always confi- dential. Send for Booklet on Descent and Distribution of Property and Blank Form of Will. Safe Deposit Boxes to rent at small cost. December 20, 1916 MICHIGAN TRADESMAN 138 life. In addition, it provides another safe avenue. for the activity of bank funds, hence greater earning power for depositors’ money. The need of more cattle in the United States is fully recognized and recent developments have accentuated that need. A _ prominent packing house company official who has just returned from Argentina is responsi- ble for the statement that that coun- try has just passed through one of the worst months in its history and that fully 20 per cent. of the cattle in the country have died. A glance at the export figures of Argentina confirms the assertion of fhe packinz house official that meat will be much higher before spring. The high price of beef and beef by-products and the exorbitant price of leather are strong arguments why, for the general welfare of the State the cattle industry should be en- couraged in Michigan. The difficulty which has stood squarely in the path of this development has been the lack of capital. It is up to the banks for ssound business reasons, if not other, to furnish this capital. There are many reputable farmers in the West- ern portion of the State who would like to count cattle raising as a part of their activities, but who have not the money with which to carry them- selves through until they can make a profit. Bankers in other states are taking up the matter seriously. One bank in one of the smaller cities of Kentucky has risen to the occasion and offers to assist those who desire to go into the business. ‘We have prepared a special note,” says this bank, “and in- vite investigation of the plan. We know of no better way to lift a mort- gage or build up a bank account than to buy cattle and feed them on your own land.” The question of market is solved and prices of beef, beef products and leather must, of necessity, remain high for some time to come. Butter and milk are products always easily sold and the risk to a bank enccuraging the development of the cattle industry is no greater than in other lines of industrial or commercial endeavor. The introduction into Michigan banking circles of the progressive spirit of the Kentucky bank would be of great benefit to the banks, the farmers, the merchants and the peo- ple. Paul Leake. ———_+++___ It may be noted that Representative J. J. Fitzgerald, who has introduced in Congress a bill providing for an em- bargo on foodstuffs, represents a dis- trict in which there are no farmers, be- ing from the metropolis. When it is remembered that the greater portion of members of Congress have rural constituents, it will be seen that the forces which will naturally be array- ed against any such legislation’ are considerable. The President is said to look upon it with disfavor and his influence among the members of the legislative branch of the Government is admitted to be considerable, Clos- ing our markets against a hungry world would be contrary to our tradi- tional practice. It would tend to dis- courage our farmers against planting large crops another season, and in- ternationally it would give us some- thing to explain, for while we might argue that our act had no intent hos- tile to the Entente Allies, its effect would certainly be along that line, and there might be retaliatory measures awkward for us, later on if not now. An embargo would be permissible on- ly as a last resort, and in the mean- time it should be ascertained whether the present inflation of prices is en- tirely due to the operation of the law of supply and demand, and not in part at least to excessive speculation or to “corners” in the necessaries ot life. There is to be a minute partial eclipse of the sun the day before Christmas, but few will see it, for in order to view it one must go to the South polar seas. The sun passes the winter solstice December 21, at 10:59 p. m. The eclipse comes three days later. At that time the sun is farthest South and shines vertically at the Tropic of Capricorn and is visi- ble for at least twenty-four consecu- tive hours at all places within the Antarctic Circle. The sun can be seen at midnight at all places in the South frigid zone and the eclipse will be visible at midnight on Christmas eve. This is owing to the fact that the sun is so far South and that the moon is also nearly as far South as it can be. The penumbra of the moon’s shadow just grazes the Southernmost portion of the earth. When the Chicago diet squad finish- ed its two week’s test, Health Com- missioner Robertson announced that the experiment proved the utter wastefulness in American homes. But does it? The average cost of all three meals day for each of the twelve mem- bers of the squad was estimated at 31 cents a day for the two weeks. A family of six, father, mother and four children of school age, would spend at that rate $13.02 a week for food, but the average family of six, where the father earns not more than $25 a week, can not afford to spend half his pay for food. There are other ex- penses, such as rent or taxes, light- ing, clothing, medicines, etc. The experiment proves that the average family manages to live and be fairly well nourished on a smaller sum than was spent for the Chicago diet squad. —_2-2—___ There is a shortage of “cash” in China. That does not mean that there is a shortage of money in a general way, but means that the coin known as “cash” is disappearing. This is a copper piece with a square hole in the center. The coolies have been in the habit of stringing their spare “cash” and wearing it around their necks, The longer the strings the mofe wealthy the coolie. This “cash” contained about 89 per cent. copper and Japanese speculators have been gathering the coins and refining them for the copper, which was shipped to the United States and sold for high prices. It used to take about ten “cash” to make a cent. —_—-—2>-2-> We should appreciate our friends if only for the fact that every time we lose a friend we make an enemy. Investment Buying Does not put the stock market up because it is done on reactions. There are good chances to make money. Let us assist you. Allen G. Thurman & Co. 136 Michigan Trust Bldg. GRAND RAPIDS THE OLD NATIONAL Sy aor GRAND RAPIDS MICH. 177 MONROE AVE. Complete Banking Service Travelers’ Cheques Letters of Credit Foreign Drafts Safety Deposit Vaults Savings Department Commercial Department Our 3% Per Cent Savings Certificates are a desirable investment GMS he, SUR a} S 8 eal) & age PoP Wp SH 2,8 Sag ytil Oh grsy 42! si > eeesee | 3 rug y Mn Here ee th ita tat THE BANK WHERE YOU FEEL AT HOME v led —= Gexnpirins$ AVINGSMANK. WE WILL APPRECIATE YOUR ACCOUNT TRY US! LOGAN & BRYAN STOCKS, BONDS and GRAIN Grand Rapids, Office 305 GODFREY BUILDING Citizens 5235 Bell Main 235 Members New York Stock Exchange Boston Stock Exchange Chicago Stock Exchange New York Cotton Exchange New York Coffee Exchange New York Produce Exchange New Orleans Cotton Exchange Chicago Board of Trade Minneapol's Chamber of Commerce Winnipeg Grain Exchange Kansas City Board of Trade Private wires coast to coast Correspondence solicited We recommend and offer the unsold portion of the following issues for investment: Citizens Telephone Co. fo net 5% Piqua Handle & Manufacturing Co. to net 6% CIRCULARS UPON APPLICATION [RAND RAPIDS [RUST [|OMPANY MANAGED BY MEN YOU KNOW OTTAWA AT FOUNTAIN. BOTH PHONES 4391 14 Business of the Country on a Firm Foundation. \side from an over inflation in specu- lation there was nothing in present con- ditions nor future prospects that would warrant the wholesale crush of prices in the stock instead of being a menace to business conditions, market, and the slump was really beneficial, as the of normal The unfortunate feature of the toboggan slide is the large number of uninformed who, lured by the prospect of becoming rapidly rich, plunged in In the ver- nacular of Wall “a shake- out of weak holders.” In common every day parlance it was a slaughter of the lambs who wandered stupidly into the dens of the wolves. Occurrences like should teach people the danger of this form of gam- bling, for it is nothing else. Brokers, not all of them, but many who are un- result will be a restoration values of securities. street, it was this scrupulous, hold out visions of mount- ing prices and encourage the purchase of securities on margin. For the ben- efit of the uninformed it may be stated that buying on margin is, say, purchas- ing $2,000 worth of stock and putting up $200. If the stock goes up two or three dollars a share, or more, the pur- chaser on margin has his broker sell and gets the profit on a $2,000 transac- tion, minus the broker’s commission and the interest on the $1,800 the broker borrows or puts up to purchase the stock which is held for collateral. If the stock goes down the purchaser on this plan must not put up more money as a mar- gin to protect the purchaser or lose all he put into it. In cases like the present, the amateur gambler is seized with panic and has not nerve enough to put more money in and is sold out, losing his $200. In many cases purchasers on margins have the nerve, but lack the cash. A burned child dreads the fire and many of those who get nipped by such speculation are permanently cured of speculative fever, but every market brings a new crop of lambs to be sheared. Transactions on Wall street where securities are bought outright at near their real value are legitimate. Wall street is a clearing house through which capital is secured for our great indus- tries—a useful agency which makes possible the splendid industrial develop- ment and should not be condemnéd for the foolhardy speculation. which often has an unsettling effect on general busi- ness. The larger banks of the country have felt for weeks that speculation was be- ginning to run wild and, before Ger- many’s peace propositions, had already determined to check speculation by rais- ing the rates of call money to an almost prohibitive figure. This flutter in the stock and money markets should not create alarm, as the legitimate business of the country is on a firm foundation. There is but one danger of its dislodgment and that lies in the labor situation. The undertone of organized labor is sinister, a senti- ment of might makes right, an unreason- ing blind selfishness which not only threatens a disturbance to general pros- perity, but unhappiness and suffering to the wives and families of the men who MICHIGAN TRADESMAN by violence or intimidation seek to gain the advantage to which they believe themselves entitled. This spirit of non- yielding tyranny is too evident in the utterances of the labor leaders whom the men, honest workmen, unfortunately allow to think and act for them and whose sentiments they echo without at- tempting to analyze them. The spirit that forced the Adamson law upon a supine Congress seeks amendments to the state constitutions which will eliminate the power of the courts irom enjoining men and bodies of men from interfering with the peace- ful transaction of an employer’s business and from violence, bloodshed and de- struction of property. It is a foregone conclusion that if the great mass of American workmen re- alized that their welfare is part of an employer’s assets, and that the employer knows this, as is shown from improved industrial conditions and voluntary in- creases in pay, they would promptly stop any attempt to destroy the pros- perity they are now showing. Thus it is seen it is the duty of those who are informed to assist in educating the workmen and bring them to see matters in their true light. The Adamson bill and its attendant developments and dis- cussions will prove beneficial for the reason that it brings into the limelight of publicity the entire question of cap- ital and labor and continuance of pros- perity depends upon how sensibly and justly these relations are adjusted. ——_2->__ Pickings Picked Up in the Windy Ci ity. Chicago, Dec. 18—AIl of the Chica- go newspapers are now featuring the Goodfellowship page for the purpose of interesting the public in the needy poor. From reports there are very few families in Chicago or the nearby territory but what will receive atten- tion on Christmas. Detroit is now getting a great deal of publicity in this neck of the woods from the standpoint of their Police Commissioner, James Couzens. The Chicago papers class him as a fifty million dollar police commissioner, and use him as an example for the Chicago police department. Mrs. Mollie Netcher Neuberger, proprietor of the Boston Store, Chi- cago, has slipped one over on other business houses by purchasing a sum- mer home at Lake Beulah, Wiscon- sin, about ninety miles from Chicago, to serve as a country club for the employes of the store. Property in- cludes ten acres. She will build on this property a large clubhouse and hotel, as well as boat houses, little pleasure boats, etc. This will be used exclusively for the store employes at nominal cost, It has been decided to use it aS a summer vacation point, and, no doubt, later will be open the year around. The writer has talked with some of the employes, and they feel well pleased with the idea. Well! well! well! The order issued by Mayor William Hale Thompson that all cabarets and places where liquor is served will not be allowed to open New Year’s eve until 12 o’clock at night for one hour only has not taken the spirit out of some of the “high flyers.” They have practically, from reports, made reservations at Milwaukee, Wis., and there they will spend New Year’s eve. Milwaukee only is a two-hour ride from Chicago, Chicago’s largest theater, the Audi- torium, will remain in the possession of Harold N. McCormick and asso- ciates for five year more. By that time the theater will have outlived its usefulness. This theater caters chiefly to grand opera and is the largest one in the West, having a seating ca- December 20, 1916 WE OFFER Another new Investment Opportunity which is worth your early in- vestigation. Don't delay this time until you're too late. DEUEL & SAWALL If you want to buy or sell Universal Valveless Four Cycle Motor Co. stock, communicate with us. 405-6-7 Murray Building Grand Rapids, Michigan THE PREFERRED LIFE INSURANCE CO. Of America offers OLD LINE INSURANCE AT LOWEST NET COST What are you worth to your family? Let us protect you for that sum. THE PREFERRED LIFE INSURANCE CO. of America, Grand Rapids, Mich. 6% First Mortgage Bonds Descriptive Circular Furnished Upon Request Howe SNow CorricAN & BERTLES G. R. Savings Bank Bldg. Q/GRAND RAPIDS MICHIGAN INVESTMENT BANKERS Fourth National Bank United States. Depositary Savings Deposits Commercial Deposits 3 Per Cent Interest Paid on Savings Deposits Compounded Semi-Annually I 3% Per Cent Interest Paid on Certificates of Deposit Left One Year Capital Stock and Surplus $580,000 WM. H. ANDERSON, President L. Z. CAUKIN, Cashier JOHN W. BLODGETT, Vice President J. C. BISHOP, Assistant Cashier Nee ea arenes Veit Manufacturing Co. Manufacturer of Bank, Library, Office and Public Building Furniture Cabinet Work, High Grade Trim, Store Furniture Bronze Work, Marble & Tile Grand Rapids, Michigan a eee Conservative [nvestors Patronize Tradesman Advertisers & oe a * + &\ a December 20, 1916 pacity of 5,000 people. It is report- ed the rent for the coming five year lease will be $75,000 annually. The fish markets in Chicago are now reaping a harvest, the following prices prevailing: Lake perch, 4 pounds for 25c; lake herring, 3 pounds for 25c; frog legs, 30c per dozen and White perch, 10c a pound. One of Chicago’s prosperous drug- gists is R. B. Van Dusen, at the cor- ner of Seventy-fifth street and Coles avenue. Mr. Van Dusen is a product of Allegan, where he was in business some twelve years. He still makes annual visits back to the old town and is well acquainted with a great number of the Michigan travelers. His store is situated in a growing section of Chicago. The only draw- back he has had is two robberies. He carries such a good and generous sup- ply of goods that it has attracted the attention of highwaymen on two dif- ferent occasions, Still he says he is not discouraged. One of Grand Rapids’ young doc- tors is now connected with Doctor Baxter Miller, who is head physician of a large number of hotels in Chi- cago, his name being Dr. B. J. Heet- derks. He being Dr. Miller’s first assistant, making his headquarters at the Morrison Hotel. He still favors old Grarid Rapids, and always feels at home when approached by one of Grand Rapids’ citizens. He, no doubt, will make a mark for himself and be- come a noted physician if he continues to prosper as he is at this time. The writer takes this opportunity to wish all his Michigan friends a Merry Christmas and a Happy New Year, with prosperity added to the New Year. The Coliseum is now featuring the poultry show and from the amount of crowing one hears around the neigh- borhood, they have a large variety of poultry and, no doubt, will attract a wonderful number of people. The talk of Chicago at this time is all concerning the Allied bazaar, which will be held shortly at the Coliseum. This will, no doubt, bring thousands of dollars into the treasury of the Rea Cross organization to be used for the war sufferers in Europe. It is being reported by a number of Chicago merchants that there never has been a time when the people were spending more money for Christmas presents than at the present time. The stores are crowded from top to bottom, and in some of them system has gone begging. Instructions to the employes are, “Give the best service you know how and satisfy the cus- tomer, if possible.” The employment agency catering to middle aged men from 45 years up are having a wonderful success. There has been over 1,000 positions secured for these men during the past week and some of the firms em- ploying these old fellows are well pleased, ‘claiming they are getting as much work and as good work, and in some cases better work, than they get out of younger men. The “bunk” which is appearing in Chicago newspapers regarding the egg situation is disgusting to commission men who know the real facts. When prices broke last week under the in- fluence of extremely mild weather and reduced output, the watchdogs of the public interest were quick to claim the credit. They declared that the boycott of the Chicago House- wives’ League was responsible for the drop in price. However, when prices went up during the latter part of the week under the influence of the news that a cold wave was on the way, the papers had nothing to say. As a matter of fact there has been no boy- cott of eggs here by the Housewives’ League or any other organization. There has been a great deal of public talk about the high prices, but that is about all. The commission men long since gave up the hope of get- ting a fair deal at the hands of the newspapers, and it is_a safe bet to say that tommyrot will continue to MICHIGAN TRADESMAN appear as long as South Water street remains a tough nut for the adver- tising solicitors of the daily newspa- pers. The fact that the commission houses and distributors can see no advantage in advertising their mer- chandise in the newspapers, and have taken a definite stand not to pay trib- ute of the sort necessary to get them- selves favorably into print, has never been forgiven by the journals. Commission men of the city are opposed to the plan of Postmaster General Burleson to do away with the pneumatic tube service of Chicago in favor of motor trucks. This is re. garded as a backward step and is tak- en by the Department only because it will effect a saving of 50 per cent. in the cost of operation. The effi- ciency of the pneumatic tube service has never been questioned. The tubes enable mail to leave the city a great deal more rapidly than if the mail were handled by motor trucks, The Chicago Association of Commerce and the Illinois Manufacturers’ Associa- tion are united in an effort to frustrate the plan of Mr. Burleson. A plea is to be made to the Postoffice Commit- tee of Congress, in the hope that the tube service may be saved to the city. The tubes are owned by priv- ate individuals, but are rented to the Government at so much a mile for a term of ten years. Charles W. Reattoir. —_2->—____ A CHRISTMAS THOUGHT. Written for the Tradesman. Why is it that this time of year Our hearts go out to absent friends? And matters not what ’tis we send, But something goes in Christmas cheer. And if ’tis bought with lifeless gold, Or represents a single thought, Or paid in tear-drops burning hot, It makes us all forget the cold. Perhaps it is the chill without That drives the life-blood to the heart And makes all malice to depart, And puts all evil thoughts to route. If all the warmth of all the hearts From out their folds should be released, Each warm thought going where it pleased, Methinks ’twould cure all chilling smarts. So take, dear friend, this winter day, Enough from me of Christmas cheer To gladden all the coming year, And warm your heart and light your way. And in return send me a thought To help me on life’s golden way, To stray not at the close of day, Because I’ll know I’m not forgot. Mrs. Ned Cobean. —___+<-.—____ Sure Method. “You say my husband needs exer- cise, but he won’t take any, and I don’t know how to make him,” said a woman plaintively. “Is there any way in which we can force him to ex- ercise?” “Did you ever try, on windy days, making him wear a hat that will be sure to blow off?” asked the doctor. Kent State Bank Main Office Fountain St. Facing Monroe Grand Rapids, Mich. Capital - - - - $500,000 Surplus and Profits - $500,000 Resources 9 Million Dollars 3 be Per Cent. Paid on Certificates Largest State and Savings Bank in Western Michigan 15 Let Us All Join Hands With Santa Claus and Have vere Christmas! Merrier Our 1917 Christmas Saving Club Solves the Problem and Will Begin Monday, December 18th Every member is SURE to have MONEY to buy presents and for other expenses incidental to Christmas. There will be no slips—no disappointments. Members know months in advance how much they will receive when the distribution of funds is made and can arrange expenses accordingly. Enroll in Class 5 and receive ..$ 63.75 Enroll in Class 2 and receive .. 25.50 Enroll in Class 2A and receive 25.50 Enroll in Class 200 and receive 100.00 Enroll in Class 100 and receive 50.00 Enroll in Class 50 and receive $25.00 Enroll in Class 5A and receive $ 63.75 Enroll in one or more classes. The first deposit makes you a member. No fees. No fines. No red tape. A deposit of a few cents every week keeps up the payments. You can easily spare the small amounts. There are no restrictions. Everybody, old and young, is welcome to become a member, Your Friends Are Enrolling. Join the Happy Crowd. Become a Member at Once Peoples Savings Bank S. W. Corner Monroe and Ionia Aves. OFFICE OF RICHARD QUAYLE DEALER IN GENERAL MERCHANDISE GWINN, MICH., DEC. 13, 1916. E. A. Stowe, Grand Rapids, Mich. Dear Sir: | take great pleasure in renewing my subscription for the Michigan Tradesman for another year. | thoroughly enjoy reading it. To my mind, it is the best trade paper | know anything about. Because of the fine quality of the contributions on your front cover each week, Mrs. Quayle conceived the idea of cutting them out and making them into a scrap book, and, believe me, you couldn’t buy that scrap book to-day for the price of ten years’ subscription fo your journal. Richard Quayle. 16 MICHIGAN TRADESMAN December 20, 1916 TT @e: (((Uas DRY GOODS, ANCY GOODS*" NOTIONS (EE TELA FEA - — al > - = = —_—_ — a 4 Plan To Prevent Misfit Christmas Gifts. A “gift plan bureau,” which is ex- pected to be a great aid to Christmas shopping and a means of preventing “misfit gifts,’ has been established at the John Wanamaker store ‘in New York City. The service is free, available by letter, telephone or personal call, and works out in the following way: The shopper asks the bureau to en- quire of a definite person what gifts are desired. The store, through the bureau, asks this person or persons by letter for the information, keeping the enquirer’s name secret. When the person written to has listed what he or she desires on the blank form mailed for the purpose, the store notifies the enquirer, after the answer has been received, and the information is ready. The slips to be filled out, which go to the parties enquired about, have blanks for gift suggestions, stipulat- ing whether the presents are to come from friend or relative—man, wo- man or child. After the lists have been received by the customer and purchases have been made, the shopper is asked to check off the mentioned gifts which have been sent. These lists are then filed with the bureau, and will be used to check up future purchases by oth- er shoppers which are intended for these particular parties, and will thus act to prevent duplicating any of the gifts which may have already been sent or intended for these persons. The store believes that by express- ing these Christmas wishes through a third party, the bureau, the persons written to will feel they can make known their desires for presents to their friends that otherwise might be indelicate face to face. Not only will this promote giving useful presents and prevent to a large extent many persons receiving gifts for which they have no definite need, but it will be especially useful in purchasing presents for children. Many parents prefer having their chil- dren receive useful gifts, and many people like to give the youngsters of their acquaintance gifts that are really needed. In many instances what the child needs is not known by those who desire to make the present, but by obtaining this information through the bureau it will eliminate the child receiving two or three dolls, a couple of drums and other duplicates in the way of toys and other gifts that are always more or less frequent at Christmas time. It will, it is thought, assure the giv- ing of something absolutely needed, such as a sweater, a pair of boots, or some other article that is of more substantial value than would be toys, or it will even assure, perhaps, the child receiving the toys it really wants, and thus the giving will not be done hit or miss. There are two letters that go for- ward to the children of whom this information is desired. One letter is to the mother or father, and it asserts that the bureau has been asked by a friend what their child wants for Christmas. The parents are requested to fill out the inclosed slip listing what gifts would prove acceptable and to forward the slip to the store’s bureau. At the same time a letter goes for- ward to the child enquired about and this is signed by Santa Claus, asking what the boy or girl would like for Christmas this year. This letter says that Santa Claus is going to bring many pretty things to good boys and girls. “What wouid you like this year?” it asks. “If you will tell me what you want I will try and get it for you. Just write the things you want on the inclosed piece of paper and mail it to me.” —_>-2————_ Gave Check Good For Fifty Cents. An interesting variation of the “something for nothing” idea tried by a Southern merchant. On the handbill advertising his reg- ular midsummer sale he printed a check with his signature in facsmile. This check was good for 50 cents on every pair of shoes purchased on a certain date over a certain figure. The person using it was supposed to cut it out of the handbill and bring it to the store for redemption. The idea took extremely well. The merchant had an accumulation of shoes that he was anxious to move. He moved them at practically his regular prices. The 50 cent- check, being accepted in each case in part payment, representing the reduction he might have made under ordinary circumstances. —— +2. News to Her. A traveling man one night found himself obliged to remain in a small town On account of a washout on the railroad caused by the heavy rain, which was still coming down in tor- was rents. The traveling man turned to the waitress with: “This certainly looks like the flood.” “The what?” “The flood. Yovw’ve read about th2 flood and the ark landing on Mt. Ararat, surely.” “Gee, mister!” she returned, “I ain’t seen a paper for three days.” We are manufacturers of TRIMMED AND UNTRIMMED HATS for Ladies, Misses and Children, especially adapted to the general store trade. Trial order solicited. CORL, KNOTT & CO., Ltd. Corner Commerce Ave. and Island St. Grand Rapids, Mich. GEO. S. DRIGGS MATTRESS & CUSHION CO. Manufacturers of Driggs Mattress Protectors, Pure Hair and Felt Mattresses, Link and Box Springs, Boat, Chair and Window Se .:1Cushions. Write for prices. Citizens 4120. GRAND RAPIDS No " Ask about our way BARLOW BROS. DOUBLE YOUR MONEY Put in a line of PILLOWS Get this Leader Assortment: 3 Pairs Leader Pillows @ $3.00 3 “ Boston “ @ 4.50 3 “ Special Geese Pillows (@, 6.75 3 “* XXB Pillows - @ 9.00 12 Pairs for $19.00, in best grade ticking. Grand Rapids Bedding Co. Grand Rapids, Mich. Grand Rapids, Mich. Safety First in Buying SAFETY in Buying means getting the goods and the quantities of goods YOU can sell ata profit. It means know- ing what to buy and getting it at the right price. You can be safe in buying when you buy from “Our Drummer.” If you haven't the cur- rent issue handy, write ‘for it. Butler Brothers Exclusive Wholesalers of General Merchandise New York Chicago St. Louis Minneapolis Dallas == —— —— == == | (MN l == EL AAA We wish all our friends and patrons a 5 Merry Christmas = Paul Steketee & Sons : Wholesale Dry Goods Grand Rapids, Michigan eS Mc tn OTcocoOCCcCET_ cee KE: | The Pere Marquette Railroa Address excellent Shipping Facilities, Healthful Climate LOCATION OF INDUSTRIAL ENTERPRISES. First-class Factory Sites may be had at reaso ble prices. and Electrical Development in several parts of the Biste taaues Department invites correspondence with manufacturers and oth quiries will receive painstaking and prompt attention and will b Pere Marquette Railroad Co. DUDLEY E. WATERS, PAUL H. KING, Receivers F ACTORY SITES Locations for Industrial Enterprises in Michigan d runs through a territory peculiarly adapted by Accessibilit and Good Conditions for Henve 7 Z Cheap Power. ers seeking locations e treated as confidential. GEORGE C. CONN, Freight Traffic Manager, Detroit, Michigan Life, for the Coal in the Saginaw Valley Our Industrial All in- ai> ts 8 i> December 20, 1916 Ever See a Woman Shop in This Way? Did you ever “shop” for leisure, to pass a dull afternoon away? asks a writer in Women’s Wear. If not, by all means try it, it’s lots of fun. Probably you are a novice, and don’t quite know the ropes, and in that case the following recipe, “guaran- teed to fill the bill, or your money back,” will be of inestimable value. Before you start out, get an old piece of silk of an 1857 vintage, or still more ancient if possible. Don‘t forget your carfare; in many cases five cents will be enough, as one of the popular sports to-day is trying to work an old transfer, and it is very often successful. Select as your sam- ple one which bears, if possible, a unique or ultra-exclusive combination of colors, such as a brownish yellow, a watermelon canary, a shade between a green-black and yellow-black, or a medley of shades or hues sure to keep the salesman guessing. In making your shopping tour be systematic and thorough. Try the biggest stores first, then grace the secondary ones with your presence, and if you can stagger any further give even the smaller ones’ the “through and through.” Sit down whenever possible—all samplers do—and immediately dive down into your shopping bag (made from samples), and from its depths bring forth that foe of all dry goods salesmen, that demon, that monster, that “never yet matched” lining of the bag! Tell the salesman you want it matched exactly, that nothing else will do. Make him pull down piece after piece, that’s what he is there for. Don’t let him bluff you, tell him to get that piece on the top shelf— he may have to get an eighteen foot ladder to reach it, but you have,the right to expect service. Continue this for a time insistently. unflinchingly. Never mind the strain —the salesman will give way first, sure enough. The sponge goes up, and with a cry the salesman gives up the ghost. He cannot match that bag lining! You arise, your anger roused. Ha! the remnants! There is still hope. “The remnants, let me see your rem- nants.” The “insolent” salesman, with unsteady gait, hair dishevelled, numb with despair, leads the way to the relics of bygone sales, the last resort of all scientific shoppers, of all up-to-date sample matchers. There is still hope, you will no: give up that bag lining expedition so easily. Your hand rests now upon that noble pile of remnants; you care- fully pass them over, one by one, every moment hoping and praying that you will not find what you are looking for, when lo! there arises in all its hideous reality, an exact match for your bag lining. The salesman now has it in his hands, the goal has been reached, patience has earned its reward. His question follows me- chanically, “Anything else to-day, madam?” But wait—that remnant is not sold yet. Why of course not, it contains an eighth of a yard too much; all you want is an eighth and MICHIGAN TRADESMAN this is a quarter. You draw a sigh and relief and depart. That was a narrow escape. (Remnants in small pieces are never cut, a point that every sampler should know.) —_-——_--2-2____- Committee to Investigate Pattern Contracts. At a recent meeting of the Execu- tive Committee of the National Retail Dry Goods Association, a pattern committee was appointed to inves- tigate pattern contracts and if pos- sible to have them made less ambigu- ous and more uniform, as well as to heip to straighten out some differ- ences that have arisen between pat- tern companies and their clients. Three of the members of this com- mittee recently met at the Association offices in New York, specimen copies of pattern contracts were examined and compared and much valuable data was secured. The pattern committee would welcome suggestions, com- plaints, copies or originals of con- tracts that seem inferior or obscure in their language, that the committee may have concrete facts upon which to base its investigations. Any cor- respondence on the question of paper patterns should be sent as soon as possible either to E. L. Howe, Ex- ecutive Secretary of the Association, or to Robert C. Fraser, chairman of the Pattern Committee, If any mem- ber wishes to give information on this subject to any body else on the committee who may be better known to him, he is invited to do so. —__+- -__— How He Borrowed It. , The sympathetic prison visitor went from cell to cell interviewing the in- mates. To one penitent looking indi- vidual she put the usual question: “What brought you here?” “Borrowing money, lady,” was the “reply. “But, good gracious,” she exclaim- ed, “they don’t put people in prison for borrowing money.” “Not ordinarily,” said the man, “but I had to knock a man down three or four times before he would lend it to me.” Horse Blankets Stable Blankets......... 80c to $6.00 Square Blankets....... 85c to $14.00 Large Assortment SHERWOOD HALL CoO., LTD. 30-32 Ionia Ave. Grand Rapids, Michigan Signs of the Times Are Electric Signs Progressive merchants and manufac- turers now realize the value of Electric Advertising. We furnish you with sketches, prices and operating cost for the asking. THE POWER CO. Bell M 797 Citizens 4261 17 Make Out Order at Once 20-22 Commerce Ave. Of articles required for the final holiday rush. We still have a good supply of Staple Notions, Fancy Notions and Fancy Goods which includes many items suit- able for trade at this season of the year. All orders by mail or telephone will re- ceive immediate attention. Grand Rapids Dry Goods Co. Grand Rapids, Michigan Shuman Shelf- Pricing Will Help You Make More Money in 1917. It will make you more money by making your store more popular with more people. It will make you more money by saving the time of your clerks, so that each clerk can make at least 25% more sales per hour, day or week. It will make you more money by preventing mistakes in prices—and by saving the labor of marking the price on every carton, can or package. It makes it easy to advance prices, as your costs advance; and by pricing these advances in PENNY FIGURES, instead of by 5’sand10’s you will main- tain your reputation for selling good goods at reasonable prices. The Shuman System consists of metal clamps that spring onto shelf, box, crate or basket with gummed price stickers to paste on the face of the clamps. You change prices either by shifting the clamps or by pasting new stickers on them, Ss sr’ OS — SS LSS] SSS Cost Very Little “I One set, consist- ing of 50 clamps and 1110 stickers, only $3.25. Order through your job- ber, if he does not carry them. we will send by parcel post prepaid on receipt of price. per 100. Extra Stick- ers—10c for 50 of The Frank G. Shaman Co. Room 905, 168 N. Michigan Ave., Chicago, Ill. Extra Clamps—$2.50 | - o MICHIGAN TRADESMAN Wy WAP ayy V5 WV \D ° “Tj =] Fi © qd PPI SS)o1 Fa (Kft DAA LH aL ae \ \ BS Ce Ki f.\ yA RA “\ apd) assy ' ) I) ! JL LLIN DY, Wes 3 {/ N D J ) ASS..1, x Y \s , ZF 37; 4 Michigan Retall Shoe Dealers’ Association President—Fred Murray, Charlotte. Secretary—Elwyn Pond, Flint. Treasurer—Wm. J. Kreger, Wyandotte. High Shoe Prices Call For Better Salesmanship. It is only through a long interesting experience in the selling of high-grade shoes that I am able to state the fol- lowing facts. It has always been a great pleasure for me to sell high- grade shoes. To some it is a prob- lem. but I believe it appears hard only to those who have not tried to sell the better grades and who have not studied this particular faculty in sales- manship. Now, at this time of high- priced footwear, the salesman who has given the matter special study reaps the benefit. The selling of high-grade footwear has been made easier at this time by the rise of the leather market and the wide publicity given by the press to the advance in shoes. At present, as in the past, one not only needs to fit feet correctly, but he must pos- sess strong personality—and quick- ness in handling merchandise. It is also necessary to know how tto sell high-grade and high-priced footwear to enable customers to leave the store feeling that they have purchased shoes at a high price, but shoes extraor- dinary at a fair price. Keep the interesting points of your merchandise prominent. Better if a sale could be made without the men- tion of price—that is the point most dreaded, but, of course, it is the most fundamental part of the transaction. But keep it out of the sale as long as possible. Pave the way up to the price, and then it will not hit as hard as first thought. By paving the way I mean this: Some salespeople go about selling in a mechanical way and never get beyond the mechanical wage. Success comes to the one who by careful study of human nature and its conditions makes himself a salesman. Draw upon the customer’s imagina- tion, and print pictures of gracefulness in lines and the finer qualities, keeping the idea of price in mind. When the proper time arrives, spring the price in a straightforward way. If you have pictured the shoe above the price, you have reached a great end. The trouble with many salesmen is that they would rather sells cheap shoes than high-grade ones, as they do not wish to apply themselves to the latter class. Such salesmen are simply selling the price and do not apply themselves to the scientific points of selling. It takes finer qual- ities to deal with men in this great school of human nature. I empha- size human nature more than sales- manship, for you must know human nature to be a successful salesman. Meet the customer on his own plane, and keep up your end of the sale. Show him that you are a high- grade man, and he will realize that he is getting high-grade service. For in- stance, when a customer enters the store do not greet im with the old chestnuts: “It’s a nice day,” or “Isn’t it hot?” Talk about something in- teresting. Let him understand that you are interested in his wants, and show him to a seat. Don’t be too anxious to get his money. Of course, you want it, but don’t give him that impression. Next comes the battle of minds. Measure his foot—this should always be done, although many salesmen neglect it. After this the customer usually relaxes in his chair, indicating that he is comforta- ble. Then enquire if he needs a dress or business shoe at this time. In this way two ideas are developed. After one has been filled, begin to work on the other. It often means two pair of shoes instead of one. Do not ask what kind of leather is wanted. Fifty per cent. of the laymen do not know calf from any other leather. use your own judgment, and tell the customer what kind of leather you are showing and describe its qualities. Know leather vourself, and educate your customer, the idea being to in- struct him, not to have him tell. you. Fit his foot and his eye, and at the same time draw from him by high- grade salesmanship the price of the shoes. I have always believed that we sold shoes too cheap. Make a high price sound cheap. You will find by a higher type of merchandise, bY a higher type of ambition, tliat you have accomplished a personal satisfaction. It will benefit your employer. It wil! do you good. It will increase your salary and your call trade. No one can take away a satisfied customer, and when he turns up for .a second purchase, you have the satis- faction of knowing that by careful judgment you made a customer who will remain yours. You have left with him the impression of experience and honesty. Do not fail to remind him that you are glad he called again. Make him feel at home. Make him feel that he is a welcome guest at all times. At many stores there is too much formality and’ not enough smiles. Learn to remember names, It is a big asset, and inspires confidence. When a man leaves the store ask him to call again in a sincere manner and he will take away a “call again” im- pression. When talking to a custom- er during a sale remember that his December 20, 1916 7 Some Unusual Shoe uality Bargains If you have not already received the cir- cular we are sending out describing some ex- ceedingly good shoe value bargains—a post card will bring it. You know R. K. L. Shoes and R. K. L. Quality. “A Word to the Wise is Sufficient.” Rindge, Kalmbach, Logie Company Grand Rapids, Mich. Comet Saturn Jupiter Mars In the order named, these dress shoes possess a style and quality to please your most partic- ular customers. In these grades costing you from $2.50 to $4.50 per pair is a range of styles and choice of leather, to fill every requirement of your trade. A card will bring salesman and samples, or description and prices. HIRTH-KRAUSE COMPANY Shoe Manufacturers and Jobbers Grand Rapids, Michigan December 20, 1916 mind is more deeply on the transac- tion than yours. Be a point ahead of him at all times. Watch his ex- pressions, for you can tell when you are sayings things that please, and by control of yourself you can make your pathway to success surer. You will find within yourself golden drawing powers, and you will find it a pleasure to serve your fellow men. To give the highest type of service should be the aim of high-grade sales- men. Learn to sell better footwear, and to sell it right. Remember that while it is the high price of shoes that makes your house prosper, trade must also be handled correctly. Give your customer the impression that he is getting high-grade service without extra cost, and you will find that out. of it will come the most interesting and prosperous experience you have ever had. Learn to sell high-grade shoes in a high-grade way. Do not talk at random—know what you are talk- ing about.—Steven J. Jay in Shoe Re- tailer. —>---.___ Shoe Dealer Has Rapid Rise. Clyde K. Taylor, a horseshoe sales- man out of a job stopped off at Day- ton, Ohio, ten years ago on his way to the West where he hoped to make his fortune. However, fate decreed otherwise and young Taylor sought a job in Dayton. Walking into the re- tail shoe house of R. A. De Weese, now’ the Johnston-Shelton Co., he asked for a job. Jack Schaeffer di- rected him to the A. F. Diers Co. “Ever sell shoes?” queried Mr. Gil- lespie, in charge of the store. “No. sir,” was Taylor’s reply, but on second thought he added, “Yes, I did sell horseshoes for a while.” He was told to return the next day when Mr. Diers would be in. “Are you the young man who used to sell horseshoes?” asked Mr. Diers. “Yes,” was the reply. “Think you could sell baby’s shoes?” “T will try,” was Taylor’s resolute reply. So he was employed at $6 a week. As Taylor paid $5 for board he spent but little in amusement. However, Taylor was on the job to make good and his persistent energy, undaunted determination and integri- ty won rapid advancement and at the end of two-and-a-half years he had charge of the children’s department. At the close of another year, Taylor, his brother Ralph, and Harry L. Buck bought the entire interest of the A. MICHIGAN TRADESMAN 19 I. Diers Co. and in February, 1912 the two brothers absorbed Mr. Buck’s in- terest and the Taylor Shoe Co. was incorporated. The integrity established by the old firm of Diers was resolutely main- tained by the Taylors. Recently Mr. Taylor severed his business connections in Dayton, and he is now manager of the children’s department for R. H. Fyfe & Co., De- troit’s largest retail shoe house and one of the largest retail stores in the Middle West. —_+ 2+. Michigan Shoe Co. Retiring From Business. Affairs of the Michigan Shoe Co., of Detroit, are rapidly being wound up. All stock has been disposed of and liquidation is in process. Most of the officers and operatives of the former big jobbing house have gotten into other lines, while a few have been retained to collect outstanding ac- counts. George Bauer, formerly in charge of the second floor, is now stock man for the United States Rubber Co. John Bauer, formerly in charge of the rubber department, is now connected with the Home Rubber Co, Lee Rosen- field, city salesman, is now in the grocery business. W. F. Butler, formerly the Michigan Shoe Co.’s Vice-President, has entered the retail shoe business with James E. Ertell, under the name of Ertell & Butler. W. C. Stoepel, former financial man for the jobbing house, has entered the real estate business. -_—_—_2+- What She Needed. Salesman—Madam, I have here one of the best cream separators ever made. Mrs. Cornshuck—Well, if you’ve got a machine that'll separate the price from my husband I’ll take it. Every Boy Wants to Play asket Ball And Nearly Every Boy Does Play These Days Hood’s Athletic Basket Ball Shoe Suction Sole is what they want Men's Sizes..... $1.45 Boys’ Sizes..... 1.30 Now is the time— When you can get them Get Busy. Be Ready. Grand RapidsShoe ® Rubber The Michigan People Grand Rapids Our Specialty: ‘‘Royal Oak”’ FOR SHOEMAKERS Bends, Blocks and Strips Shoe Store Supplies Wool Soles, Socks, Insoles, Etc. THE BOSS LEATHER CO. 744 Wealthy St. Grand Rapids, Michigan Ca RT Ost Ks yi , SHOES For Bigger and Better Business multiples of 52. Only Ten Days Remain in which to secure an advance subscription to the Michigan Tradesman at the $1 rate. open to old and new subscribers alike. All remit- tances on this basis must be mailed so as to reach us by the last delivery Dec. 30. Remittances which come in later than that date must take the $2 rate. Any subscriber who is in arrears can avail himself of this opportunity by paying his arrearage up to MICHIGAN TRADESMAN GRAND RAPIDS, MICHIGAN This offer is A Good Shoe for the Money, but it is more The “Bertsch’’ Goodyear Welt Shoe for Men has demonstrated its superiority in every way. Thousands of first class dealers are enthusiastically pushing the sale of the ‘‘Bertsch”’ shoe line today. In all parts of the country, thousands upon thousands of men in every walk of life are demanding the “Bertsch” shoe from their dealers. The reason is simple. Each and every one of them have been so impressed with the comfort and service-giving qualities of the “Bertsch”’ shoe line that they will be satisfied with no other. The ‘“‘Bertsch”’ shoe won its reputation through its uniform wearing qualities. These will remain so. You can recommend the ‘‘Bertsch’”’ shoe line to your trade—Because it IS the best comfort and satisfaction giving line offered you today. THEY WEAR LIKE IRON HEROLD-BERTSCH SHOE CO. Manufacturers of Serviceable Footwear GRAND RAPIDS, MICH. FERN ee eee 20 MICHIGAN TRADESMAN Sa — —, LESS WOMANS WORLD | = = = ‘ —— — — = = = i ~ SE GEANIO SS SEX 25 PLANES SS ks a SaaS LF mE 4 "Wt Z ZZ a SSF = “ Sc eX > Za et Zz ‘ e —o 3 SP & 193 IS — “SS Fos } Sound Advice Given a Dutiful Daugh- » ter. Written for the Tradesman. Seven years ago Lizzie Nicholson gave up teaching and came home to take care of her father and mother. Only her few intimate friends know what a sacrifice it was for her to do this. Away back when Lizzie was very young there was a lover, For some reason the engagement was broken off. Then the determined to teach. She took a thorough course in a good normal college to equip herself for her chosen profession, ful- ly intending to make it her life work. Her training completed, she had no difficulty in securing a good position. She was earnest and enthusiastic and had a natural gift. To Lizzie teaching was not the drudgery it is to many—it was a genuine pleasure and a constant inspiration. She ad- vanced rapidly. At the time she re- signed she was filling a place that was exactly suited to her talents and was receiving exceptionally good pay. All who knew Lizzie deeply regretted the interruption of a truly successful career. But perhaps there was nothing to do but to go home. Her mother had met with a serious fall which left her permanently crippled, unable to get about as she had before. For a time they hired a maid in the kitchen and a nurse to care for Mrs. Nicholson. sut this plan was not satisfactory. Always accustomed to doing her own work, Mrs, Nicholson was so fastidi- ous a housekeeper that no maid could please her. She heartily disliked over- seeing and directing. She and the nurse—or rather the nurses, for, one at a time, there were several—did not get on well together. Except during the first two or three weeks after the accident, there really was not enough for a nurse to do, and the presence of an attendant grated on the elderly woman's nerves. Her let- ters to Lizzie were filled with com- plaints—complaints mainly about tri- fles, but showing deep discontent. Lizzie saw clearly that only the pres- ence of an own daughter could recon- cile her mother to giving up the ac- tive, happy life she had led and being a semi-invalid. The injury occured in February. At the end of that school year Lizzie gave up her posi- tion. During the seven years she has been at home, Lizzie has been nurse and housemaid in one. Moreover, she has been companion and crony. No bright day in all the summer and fall but her mother is taken out in her wheeled chair. No winter evening but her father has his game of check- ers. She reads aloud from the books and papers they like, She cooks the dishes they relish, and, best of all, she humors their whims and crotchets. She does not trouble them with in- novations,: but allows their lives to tun sweetly along in the old accus- tomed channels. Lizzie does not regard herself as a martyr. Indeed, she finds great en- joyment in her homely duties and in feeling that her father and mother are happy and comfortable. Her chief regret is that her daily round of work calls for little activity of mind. She feels that intellectually she is grow- ing rusty. There are quite a large family of the Nicholsons. Lizzie has two broth- ers older than herself, and a sister and two brothers younger. All these others are married. With bringing up their six children and giving them a start in life, Mr. and Mrs. Nichol- son were not able to accumulate a large fortune. They have their home, another house which they rent, and some money out at interest and in the bank. Mr. Nicholson, who was a sol- dier in the Civil War, receives a pen- sion, Their income, all told, affords just a comfortable living. During her dozen years of teaching Lizzie laid up very little. She is generous to a fault, and used all she could spare in helping her younger brothers through college. Since she has come home the old people have most of the time been aiding financially in the education of the older sons’ children. Just lately a mortgage which the Nicholsons held was paid, and they have the money—about twelve hun- dred dollars—on deposit. One of the grandsons, a young fellow just out of school, wants they should let him have this sum, in order that he may buy a small interest in a clothing business. He is offered a position provided he can furnish this amount of capital. Lizzie was speaking of the matter to her closest friend, Mrs. Parmeley. “Lizzie Nicholson, don’t you ever let your father and mother think of doing it,’ said Mrs. Parmeley, as soon as she heard the plan outlined. “Harry feels sure it is a good thing and promises to pay every dollar of it back with interest. Doubtless he believes he could and would. But how much of what your parents fur- nished each of your brothers and your brother-in-law to make a be- ginning, ever has been paid back? How much have you ever seen of your earnings which you lent Dan and Fred to get through school? They have their hands full with their fam- ilies, so very likely you wouldn’t want to take the money if they could offer it. But now it is high time that your people make provision for you, Lizzie. If they give Harry a start, then Edgar and Lucius and the others would be sure to expect just as much. Let those young fellows make their own way. They, will be likely to come out just as well in the long run. “Your father and mothef would like very much to let Harry have the money. Of course. It sometimes seems to me that elderly people are fairly obsessed to do for all the mem- bers of their family except for the one who is taking care of them. “You must have a talk with your parents, and make clear to them that the few thousand dollars of property which they have will rightfully belong to you when they are done with it. They ought to have matters fixed so that you will get it without having to put in a claim for services rendered. December 20, 1916 artnett Flower Shop Cut Flowers—Floral Decorations Funeral Wreaths and Sprays 72 N. IONIA, Just North Monroe Both Phones Grand Rapids, Mich. The Holiday Favorite MAPLEINE The Golden **Mapley’’ Flavor for seasonable dainties, cakes, candies, ice cream. Suggest this delicious flavor and your courtesy will be appreciated. Order from your jobber or Louis Hilfer Co 1503 Peoples Life Bldg. Chicago, Ill. CRESCENT MFG. CO. Seattle, Wash. Bracelet Wrist or Bracelet Watches. No watches ir recent years have equalled in popularity the Such a watch is almost certain to be on your Christmas list. We have watches with 14 kt. gold cases and bracelets from $35 to $135, which represent unequalled values for the money. Also a large line of dependable and guaranteed movements with gold filled bracelets and cases priced from $15 to $30. Selection packages sent to reliable people. atches GRAND RAPIDS HERKNER’S MICHIGAN ee sae ee ny On > Ono en ee es SS oe BOSTON-CHICAGO 2 ar 2.ae ae E ~ nie se emmnencaeiail cme ay _ * A lh Ac nil NE teh rae ° me eae > ¥ \s ‘ Ag? ’ December 20, 1916 proved. Perhaps some new fixtures are needed. Perhaps wall cases could be advantageously used in place of shelves, and make room for a much needed silent salesman. Perhaps— but you know the things you’ve notic- ed when you were rushed. Make a note of them before you for- get, and put that note where you will be sure to find it at 8:30 a. m. on December 26, 1916. The day after Christmas is a good time to look over what you’ve noted down as bearing on preparedness for another year. Whatever will render your Christmas campaign of 1917 more effective will render your entire year’s business more. ef- fective. Properly trained clerks will mean more business in January than poorly trained or entirely untrained clerks. Good advertising, carefully planned, will increase your business proportionately as much in February as later in the year. Good window displays are even more necessary to stimulate business in the dull winter months than in months when trade is normally active. These months, moreover, afford you the golden opportunity to experiment with new ideas, to try out the plans you have in mind, and to get them in working shape before they are tested by the stress of heavy busi- ness. The point is, that whatever ideas for improvement you have gathered in this Christmas season, and in this year now rushing to its close, should be tried out. It is not enough to cre- ate an idea. If it is to have value, that idea should be put into effect at the earliest opportunity. Perhaps you are nursing some ideas that won’t work out. Try them promptly, and, if unworkable, dis- card them. Most of the ideas that have come to you undoubtedly -are good and workable, as the ideas otf practical business men almost always are. They are worth putting into effect, but they are worth nothing iif you don’t put them into effect. On December 26, 1916, while you are summarizing the lessons of the Christmas season, summarize also the lessons of the year. Have you gone forward? Have you gone back? And if an opening for improvement oc- curs to you, take prompt advantage of that opening. Said the Arkansas traveler to the old man with the fiddle: “Why don’t you mend the leak in the roof of your*house?” “Because it’s been raining lately.” “Well, why don’t you mend it when it doesn’t rain?” “’*Cause, when it don’t rain, it don’t leak.” No, that man wasn’t a modern mer- chant. The modern merchant finds competition too keen to neglect the leaks. Too often, though, he waits until the rain is falling to mend them, and so gets drenched through. It’s better to take time by the fore- lock, and to stop up those leaks right now—the possible big leaks I’ve men- tioned, and the very certain little leaks that the Christmas rush and the past year’s experience have called to your attention. MICHIGAN TRADESMAN The only leak that doesn’t cause more trouble is the leak that’s attend- ed to right away. Victor Lauriston. —_>2>__ To Keep Jack Frost From Show Windows. Jack Frost is now on the firing line again. Unless your windows are equipped for fighting and _ keeping him where he belongs, you will have many varieties of trouble in getting people to see the window displays to which you devoted so much atten- tion. Few things are more discouraging to the merchant than putting in time and labor on a window display and then to have the glass frost over so that all or a good part of the dis- play value is wasted on the wintry air. In the first place, it is essential that your background be built clear up to the top of the ceiling and be as near- ly airtight as possible. A good way to do this is to board up the back of the window about six feet high and then fill up the rest of the space with window glass. On the boards in the window paste a couple of thick- nesses of white unbleached muslin, being sure that the work is neatly done. This muslin can be covered with red cambric or crepe paper. Or if you prefer a painted back- ground you can separate the muslin into panels by means of small pieces of molding and paint the panels with kalsomine of any color you like. In the center of each panel could be painted a square of another color. After you are sure the background is practically airtight, you can fix a venti- lating system as follows: If the window glass is set in a heavy frame with the floor of the win- dow dropped several inches below the lower edge of the glass, you can ventilate the window by boring a number of holes along the frame at the bottom and also at the top. The holes at the top are just as important as those at the bottom. The cold air will rush in the bottom holes and the warm air will come out at the top. Thus the air will circulate continually and the temperature of the window will be the same on both sides of the glass. If this is done right, no frost will appear on the glass. The holes should be covered with a fine screen to keep out dust. In the summer the holes can be covered with a strip of wood nailed on the back. If your window is not modern and if the floor of the window is even with the lower edge of the glass you can use another scheme. This is nothing more nor less than boring a hole in the wall under the glass and in the floor of the window just inside the glass and putting therein a tin tube or a stove pipe elbow, covering the outside part with screen wire to keep out the dust. Then bore holes at the top of the window as recom- mended for the other type of window and then you will have a requisite circulation which will keep out the frost. One -man tried it last winter and said his windows were the only ones in the town that did not frost a couple of severe cold spells. He said the contrivance was worth fully $500 to him during the winter. If you use the elbow scheme the openings in the floor should be cov- ered with cloth, such as cheese cloth. Don’t put paper over the openings. Air can’t go through paper. Some merchants who doubtless will be impressed with the value of this plan will hesitate because it calls for an enclosed background. Don’t be one of these. Having an enclosed background not only will enable you to keep your windows free from dust, but they will equip you so you can have real window displays. ———_+ 2 The door of opportunity is wide open for men of pluck and ability, but it is up to every man to earn his admission ticket. Hardware Help Wanted. openings for three men. A live wire, experienced retail clerk for General Hardware and Supplies. A young man with at least 1 year’s experience who wants to make good. A young man who can ship and re- ceive. Must be quick and accurate, a good penman and able to think and remember. VAN DERVOORT HARDWARE CO.,Lansing.Mich. We have AGRICULTURAL LIME BUILDING LIME Write for Prices A. B. Knowlson Co. 203-207 Powers’ Theatre Bidg., Grand Rapids, Mich. Sand Lime Brick Nothing as Durable Nothing as Fireproof Makes Structures Beautiful No Painting No Cost for Repairs Fire Proof Weather Proof Warm in Winter Cool in Summer Brick is Everlasting Grande Brick Co., Grand Rapids So. Mich. Brick Co., Kalamazoo Saginaw Brick Co., Saginaw Jackson-Lansing Brick Co., Rives Junction . FOR GOODNESS SAKE BUY Horse Shoe Tires Wrapped Tread System They are guaranteed for 5000 miles with many a long non-cost extra mileage tour in reserve. The Deitz Vapor System will positively save 25% to 60% in Gasoline. It will keep your En- gine absolutely free from carbon. May be attached to any car. 5-Minute Vulcanizer will produce a quick, permanent patch for inner tube — without cement, gasoline or acid. A full line of Batteries, Spark Plugs and Accessories Wholesale Distributors: Brown & Sehler Co. Grand Rapids, Mich. We have an interesting proposition to make to dealers. REYNOLDS utd By THE NATIONA, SZZTRADE MARK Qo, (HM.R) ESTABLISHED 18689 1868 3 S * FIRE UNDERWRITEY SHINGLES Reduces Fire Insurance Rates Will Not Ignite from Flying Sparks or Brands Sold by All Lumber Dealers H. M. Reynolds Asphalt Shingle Co. “Originators of the Asphalt Shingle”’ Grand Rapids, Mich. 30-32 Ionia Avenue, N. W. Tuthill Titanic Springs No Center Hole—No Center Nib—No Center Breakage SHERWOOD HALL CO., LTD., Distributors GRAND RAPIDS, MICHIGAN oil for the cheapest car. NOKARBO MOTOR OIL It is the one oil that can be used successfully on all automobiles operated by gasoline or electricity. It will not char or carbonize. It is the best oil for the high grade car, and the best WRITE FOR PRICES AND PARTICULARS The Great Western Oil Co. Grand Rapids, Michigan MICHIGAN TRADESMAN December 20, 1916 Kt TT? er. AST NTU NTU NUTTY lbp A Grand Councll of Michigan U. C. T. Grand Counselor—Fred J. Moutier, Detroit. Grand Junior Counselor—John A. Hach, Jr., Coldwater. Grand Past Counselor—Walter S. Law- ton, Grand Rapids. Grand Secretary—Maurice Heuman, Jackson. Grand Treasurer—Wm. J. Devereaux, Port Huron. Grand Conductor—W. T. Ballamy, Bay City. Grand Page—C. C. Starkweather, De- it. tro Grand Sentinel—H. D. Ranney, Sag- naw. : Next Grand Council Meeting—Bay City, June 1 and 2, 1917. Gabby Gleanings From Grand Rapids. Grand Rapids, Dec. 18—Herbert T. Chase (Chase & Sanborn) and Dr. Richard Smith happen to have birth- day anniversaries on the same day. For twenty years they have had joint celebrations which have taken place at the homes of each gentleman, alter- nately. The last affair of the kind occurred on Sunday and was fully as enjoyable as its predecessors. Arthur N. Borden has been placed on an important committee connected with the Bob Jones revivalistic cam- paign to be held here next spring un- der the auspices of local clergymen and laymen of the orthodox faith. It is the duty of Mr, Borden, under this appointment, to see that all trav- eling men in Grand Rapids are giv- en an opportunity to attend the meet- ings as honored guests at some time during the campaign and take posses- sion of especially reserved places on the anxious seat. The committee in charge appears to have overlooked one gentleman who should receive recognition on account of his expert knowledge of prayer meetings, based on actual experience while a youth and also at Mancelona in later years as the boon companion and co-re- ligionist of the late J. L. Farnham. That gentleman is “Hub” Baker, of the Worden Grocer Company. Mr. Borden will probably undertake to see that this great wrong is righted, now that the omission is brought to his attention. A revival meeting with- out “Hub” on the anxious seat would be like a play of Hamlet with Hamlet absent. Walter Baker, traveling passenger and freight agent for the Michigan Railway Company, is “Johnny on the spot,” whether it is an accident which requires immediate adjustment, a school teachers’ excursion or a car- load of porkers seeking transporta- tion to market. He is courteous to all and is doing his level best to make the line deservedly popular with all classes of travelers. Louis J. Koster, of Grand Haven, is in Detroit this week for the purpose of ascertaining whether Edson, Moore & Co. want him for the thirty-eighth year, On account of his inexperience as a dry goods salesman and the short time he has been with his pres- ent connection, he is exceedingly nervous over the outcome. Miss Helen Ford, daughter of Thomas Ford, the well-known special- ty salesman, recently gave a dancing party to her young lady friends, which was rendered memorable by vocal music furnished by her mother and her aunt, Mrs. Hazel Levitt. It is a little singular—but it ap- pears to be a fact, nevertheless—that the genial gentleman who lives in Muskegon and travels for Sherwood Hall & Co. has permitted two months to go by without breaking into print with a new bear story. Considering that his territory includes the Upper Peninsula, where bear stories are as common as bears themselves, this omission is certainly remarkable. Traveling men who visit Portland, Oregon, this winter should not fail to call on Max Mills at his hotel. Max traveled for the Hazeltine & Perkins Drug Co. for twenty-five years and knew nearly every man, woman and child in the towns he covered. He was a universal favorite everywhere. John D. Martin is getting ready for the January furniture season. In- cidentally, local florists are propagat- ing an extra supply of carnations. Hamel and Jiffy-Jell are on such good terms that one would think they had been in partnership for years. Manly Jones leaves to-day for De- troit, where he will attend the seventh annual re-union and banquet of the Veteran Travelers’ Association, of which he is President. Mr. Jones has borne the honors of the office with becoming dignity during the past year and may conclude to invite the organ- ization to hold its eighth meeting in Grand Rapids. The report that Art Borden sought a place on the Bob Jones executive committee in order to study the meth- ods of the evangelist, so as to em- bark in revival work on his own ac- count later on, is probably without foundations. Art used to electrify audiences as an actor in his barn storming days, but when he cast aside the wig and rouge pot for the hardware catalogue, he uttered a solemn vow never to appear before the footlights again. Up to this time he has kept his vow good. The report that Cornelius Craw- ford (Hazeltine & Perkins Drug Co.) offers to swap his stable full of horses for an aeroplane is probably prema- ture, although traveling through the air is none too swift for Cornelius Cubebs. C. D. Crittenden, metropolitan rep- resentative for the Grand Rapids Re- frigerator Co., writes Grand Rapids friends that he will spend a week or ten days in this market during Jan- uary. He will probably be accompan- ied by his wife, who was at one time drawing teacher in the Grand Rapids high school. Bryant H. Howig, of Marshall- town, Iowa, who has been visiting old friends, accompanied by his wife. for two or three months, has returned home. Thomas Ford has been busy for several days entertaining his brother- in-law, Bert Botsford, of Flint, who came to Grand Rapids Sunday with a new wife, to whom he was tied at Flint last Saturday. Bert now con- ducts an oil business at Flint and is understood to be coining money. He is very happy over leaving the state of single blessedness and_ his face constantly reflects ioy and happiness, Suel Sheldon, who traveled many years for the Jackson Wagon Co. and made a campaign for Congressman from this district on the Progressive ticket two years ago, contemplates securing a position as traveling sales- man for a fruit and vegetable house. He owns and conducts a fine farm of 100 acres on West Bridge street, about two miles from the city limits. He also owns a good farm near Ber- lin. Those traveling men who bought Elgin Motor Co. stock in the thought that they would soon be able to re- tire from the road and live in prince- ly style on their dividends are still traveling. Corwin S. Udell has been engaged as traveling representative for the Im- perial Chemical Co. and started out last week on his initial trip for the new concern. He will spend the Christmas holidays at St. Louis. Mr. Udell has a wide acquaintance among the wholesale druggists, grocers and hardware dealers of the West, which will serve him to good purpose in his new position. The company he rep- resents, which is the successor of the Carpenter-Udell Chemical Co., will manufacture a full line of chemicals, as well as paris green and insecticides, under the personal management of Frank J. Pickett, who worked out the affairs of the defunct corporation with great credit to himself under direction of the Michigan Trust Com- pany. Harry Harwood is slated for a good job under the administration of Pres- ident Wilson. It will probably be official gauger at Peoria or Consul to Timbuctoo. Harry worked like a Trojan for Wilson’s election and is entitled to recognition in the make- up of the new administration. It has been a long time since any traveling man has had the courage to offer any poetry to the editor of the Tradesman. One of the things your scribe is unable to understand is why Frank Ganiard does not send a weekly let- ter from Jackson. If I could write as well as he can, I would send a let- ter twice a week. Mr. Ganiard is un- doubtedly, a very busy man, but if he knew how many of us yearn to hear more about Jackson and the onward strides she is making toward a great city, he would even stay away from prayer meeting once in a while in or- der to give Jackson regular repre- sentation every week in the Trades- man. The report that George Kalmbach proposes to enter a beauty contest is probably without foundation. George is a beauty show all by himself. No other traveling men would stand any show with George as a contestant. Clarence Baker, tonsorial artist at the Peninsular Club, says he has nev- er been beaten out of a cent by trav- eling men. Those who know Clar- ence will assert that he could broaden that statement considerably and still be within the bounds of truth. “Too many cooks spoil the broth,” but the Tradesman can tolerate two Cooks on its staff and not suffer there- by. The two gentlemen I refer to are the Tradesman’s Kalamazoo and Battle Creek correspondents. They are both fine fellows and are both do- ing good work in their respective fields for the most up-to-date and progressive trade journal in the world. Glad to see the Tradesman is go- ing to do what it should have done years ago—increase its subscription price from $1 to $2 per year. Editor Stowe should have taken this action before, because at $2 it is the cheapest and best trade paper in America. It is the only publication in the world which has given the traveling men recognition for thirty-three consecu- tive years and which stands up for the boys on the road twenty-four hours every days and 365 days every year. Any traveling man who would knock on the Tradesman is a mighty mean specimen of humanity. In common with many others, I think Editor Stowe is foolish to let his patrons re- duce his income by sending in ad- vance subscriptions at the $1 rate until Dec. 31. —_~>--.—___ Frank H. Starkey, Michigan repre- sentative of Parrotte, McIntyre & Co., Chicago, in renewing his sub- scription to the Tradesman for five years in advance, say: “We could not keep house without the Tradesman, for it is of untold value to the com- mercial traveler as well as the mer- chant.” THE RATHBONE HOUSE AND CAFE Cor. Fulton and Division It’s a good place to stay and a good place to eat. You have service when you want it. If you will try us out once we'll make things so comfortable for you that you'll come again soon. HOTEL MUSKEGON GEO. W. WOODCOCK, Prop. EUROPEAN PLAN Rates—$1.00 without bath $1.50 and $2.00 with bath Opposite Union Depot and Goodrich Dock MUSKEGON, MICHIGAN Hotel Charlevoix Detroit EUROPEAN PLAN Absolutely Fire Proof Rates, $1 for room without bath: $1.50 and upwards with bath. Grinnell Realty Co., Props. H. M. Kellogg, Manager IP MEW NS WIRE Yor aay a 7 Nalels Ca Oats ei may Send his family CUSHMAN HOTEL Petoskey, Michigan LEADS ALL THE REST , W. L. MCMANUS, JR., Proprietor One Day Laundry Service Send your linen by parcel post The Hotel Geib Eaton Rapids, Mich. L. F. GEIB, Propr. AMERICAN PLAN een, Artesian Water Steam Heat $2 Per Day Sample Room in Connection BARRY HOTEL HASTINGS, MICH. Hot and cold running water in all rooms. Shower and tub baths. Parlor sample rooms. Club breakfasts and luncheon. A la carte supper. Oysters and short order lunch in connection. Finest bowling alleys and billiards. Free auto bus to and from all trains. Try it and you will come again, GEORGE E. AMES, Prop. e ? ae « ~ ©. ep i ada, © eI seta Mawr = ~ v SN cen a arse a t A ee 9 * - a a . ~ a a i te ee icici - ~ v wn oa os a t ’ =n a +- a sagas cassis cellists 9 * a > > . — tnt en, Repco « cia + December 20, 1916 DETROIT DETONATIONS. Cogent Criticisms From Michigan’s Metropolis. Detroit, Dec. 18—Detroit Council, at a well attended meeting last Satur- day night, voted for a plan that is expected to advertise the Council in the community and add many dollars for the benefit of the widows and orphans’ fund. Some time in Janu ary, when a_ well-known musical comedy strikes Detroit, tickets for one performance will be in charge o1 the Council and the receipts above a certain amount will be placed to our credit, Other business of minor im- portance was transacted and several applications for membership were re- ceived. Frank E. Toles, well-known as a former hotel man, having been for a number of years in the employ of the Hotel Cadillac as clerk, is now en. gaged in the dry goods and furnish- ing goods business at 1749 Forest avenue, East. Mr. Toles’ affability, acquired through his former hotel connections, stands him in good stead in his new role, as reports of the steadily increasing business appear to indicate. The style of the store is the Shop of Quality. Mrs. L. L. Steinberg, wife of the department store owner at 2036 Jef- ferson avenue, West, is seriously ill at her home. M. Cassidy, haberdasher, of Adrian, was a Detroit business visitor last week. About 1,500 salesmen are expected to attend the annual salesmen’s din- ner held by the wholesale merchants’ bureau of the Board of Commerce Friday evening, Dec, 29. Prominent speakers will address the assemblage. P. C, Palmer, department manager for Burnham, Stoepel & Co., is in New York on a business trip. It takes the intuition of a hound to buy presents which won’t cost any more than the ones we receive. Eleven factories in Detroit have announced their intentions to increase wages of their employes. Another good reason for living in Detroit. Stanley Creagh, formerly with Burn- ham, Stoepel & Co., and who enlisted in a Canadian regiment at the out- break of the European war, has re- turned to Detroit, after having spent two trying years in the trenches in France. He tells many harrowing tales of the battle front and considers himself extremely lucky that he is still in the land of the living. He was wounded at St. Eloi, France, and was later relieved from duty, being further incapacitated by his strenuous ex- periences. Julius W. Chilson, formerly asso- ciated with the Detroit Edison Co., has opened a photo studio in the store building at 3268 Jefferson avenue, East. Samuel Rindskoff, Secretary of the Veteran Travelers’ Association, an- nounced he has secured a programme for the banquet of the re-union to be held at the Wayne Hotel Dec. 28 which will surpass anything yet at- tempted for the edification of the veterans at any of the six previous re-unions. The re-union will be held in the sun parlor of the Wayne Hotel at 2:30 p. m. and the banquet at 6:30 p. m. Arrangements will be greatly fecilitated if the Secretary is advised by those intending to be present. Our own hopeful says he really doesn’t look for a visit from Santa and that he can’t blame him, either, because we burn soft coal, which pre- cludes, in his mind, any chances of Mr. Claus trying out our chimney. A branch bank building will be erected for the Peninsular State Bank, at the corner of Hazelwood and Woodwood avenues. J. J. Ertell, manager of the Emer- son shoe store for the past thirteen years, and W. F. Butler, formerly manager of the Queen Quality shoe store, have engaged in the shoe busi- ness under the firm name of Ertell & Butler, at 53 Monroe avenue. They MICHIGAN TRADESMAN will specialize in men’s and boy’s shoes. ‘ It may be more blessed to give than to receive, but it is more eco- nomical to reverse the order. As an aid to colored workers in Detroit, A. Krolik & Co. will open a garment factory about Jan. 1, in which all employes will be negroes. The factory will be at the corner of Bates and Jefferson and will be modern in every respect. One of the floors will be given over to a rest room, dining room, club rooms and welfare depart- ment. The return of the missus to Mears, Mich., must have been a relief to Mears, judging by the harangue over her absence which emanated from that section. Walter S. Lawton, Past Grana@ Counselor of the U. C. T., was in De- troit last week making his regular business calls. A Made-in-Detroit exposition will be held in the armory, Dec. 28 to Jan. 4. Detroit is the world leader in no fewer than twenty lines of man- ufacture. News was not received—as usual— from the Secretaries of the local U. C. T. councils. In spite of their apathy, it pays to advertise. Martin Tierney, Detroit representa- tive of the United States Rubber Co., formerly the Detroit Rubber Co., is recovering from an attock of ap. pendicitis. Mr. Tierney has callea upon the shoe trade for a long time and is well known to the retailers. “Bob” Doolittle, buyer and man- ager of women’s shoes for R. H. Fyfe & Co., bought an automobile to come down town to business. Now the police have forbidden the parking of any automobiles in the downtown sec- tion. As a result, “Bob” parks his car half way between his home and the store and “hoofs it” the rest of the way. “Bob” Robinson, who makes De- troit in the interests of R. H. Lane & Co., of Toledo, was admitted to the Mystic Shrine in the last class in De- troit. Mr. Robinson is a Detroit man and a near veteran among the Detroit dealers. “Dick” Rogers, formerly of the - Rogers Shoe Co., has been ill, but is reported recovering. Mr. Rogers succeeded by Thomas Jackson as stock man of the company. Detroit club women, hearing of the agitation to conserve the supply of leather by reducing the height of their boots are, in a small way, reverting to the lower boots of other days. This is in line with the general boy- cott involved in a fight to reduce the cost of living. James M. Goldstein. —_>-+-. Change in Flour Salesmen. Ishpeming, Dec. 18—William H. Norman, of this city, has secured « position as traveling representative for the Eagle Roller Mill Co., of New Ulm, Minn., succeeding a Mr. Roor- bach, who has resigned, to accept a position with another concern. Mr. Norman’s territory will include the entire Upper Peninsula and Northern Wisconsin. He will make his head- quarters in Ishpeming and will cover his territory once in every sixty days. Mr. Norman has had two years ex- perience in the commission business and has been successful in the sale of flour, grain, etc. He was highly rec- ommended for the position. ———>-- A Hillsdale correspondent writes: Guy B. Stone has taken a position as traveling salesman for the Rex Spray Co., of Toledo, selling spray- ing material. For territory he has Southern Michigan and Northern Ohio and Indiana. —_—_2+ 2 > __ H. C. Derhammer has opened a grocery store at Otsego, the stock being furnished by the Worden Gro- cer Co. Kalamazoo, Engages in Retail Coal Business. Kalamazoo, Dec. 19—I imagine the many readers of the Michigan Trades- man will be deeply interested in the splendid work that is being done by our Emergency Purchasing Commit- tee in supplying coal to our needy citizens at cost. i The coal dealers’ prices were so high and what I considered unjust, that it lead me to start an investiga- tion about Oct. 1. I found the situa- tion so serious that I called a meet- ing of our citizens Nov. 25. My rec- ommendations were adopted at this meeting and I appointed a committee of fifteen and we got busy and open- ed up our fuel yard Dec. 11 You can imagine the difficulties we have had to meet through the efforts of our local dealers in trying to pre- vent our buying our supplies, ete. Notwithstanding all of this, we sold six cars of soft coal and three cars of coke, saving the buyers $4 per ton on the coke and from $2 to $3 per ton on the coal. We now have hard and soft coal and coke bought, also wood, and I believe we will be able to handle and deliver a great many cars after we get our organization a little better perfected. If you could stand around our yard one hour and see the class of trade we are serving it would touch your heart. Women come fo the yards with sacks, baby cabs and sleds to buy from 10 cents’ worth up. This is the class of people we are more deeply interested in than all of the others and We are giving them not less than eighty pounds of the very best grade of lump coal, for 25 cents, whereas I am informed that they have been paying as high as $18 per ton from some of our coal dealers, when buying in small quantities. *. H. Bowen, manager of the Lee & Cady Company, Kalamazoo branch, is Treasurer of our Committee and has full charge of our office. William Shakespeare, Jr., of the William Shakespeare Company, is chairman of our Executive Committee, John Hollander, one of our leading at- torneys, A. K. Edwards, of the Ed- wards & Chamberlain Hardware Co., and Dr. W. E. Upjohn, of the Upjohn Company, comprise our Finance Committee and we are all working night and day in this movement. Our women are also giving us valuable assistance. Mrs. Shakespeare and Mrs. James A. Starkweather, wife of the Superintendent of one of our high schools, and Mrs. Balch are putting in their time at our coal office receiv- ing and sending out orders. At this time, we have about 500 orders on hand. It is my desire that we have the Home Rule Act amended, so that cities, in case they should so desire, should have the privilege to go into the municipal coal business. In my opinion that is what should be done here and in our other larger Michi- gan cities. Fuel is a necessity and it should be sold to the consumers at cost, James B. Balch, Mayor of Kalamazoo. ———_++>___ Camping on the Trail of the New Law. Kalamazoo, Dec. 19—Our organiza- tion is planning to do everything in our power to appeal the obnoxious insurance law and we feel quite sure the Legislature will be fully aware of the great injustice ths law is bring- ing upon the buyers of fire insurance New Salesroom. PHELPS AUTO SALES CO. ener eee ee eee ANNOUNCEMENT WE ARE NOW LOCATED IN OUR NEW BUILDING AT 114 Michigan Ave., N. W. New Models ‘‘King 8’’ and Apperson Roadaplane on Display -- Grand Rapids, Michigan 25 in this State. In so far as I can learn, it has raised the rate on everyone's dwelling house in our city. The same condition would also apply, to a large extent, throughout the State. This law is causing the insured to pay sev- eral millon dollars extra in premiums and the burden is being placed on the shoulders of the laboring man or the small house owner. The citizens of Michigan seem to be slow in realizing the great injustice of the present so-called anti-discrim- ination act. It seems to me that the State should regulate the classifica- tion of rates and, unless the insurance monopoly are willing to be fair, the people of the State will insist, sooner or later, upon State insurance. James B. Balch. John Hach Succeeded in Taming the Animals. John A. Hach, Junior Grand Coun- selor of the U. C. T. attended the meeting of the Michigan State Hotel Men’s convention at the Tuller Hotel in Detroit, in response, to a telegram received from Grand Counselor Mou- tier. This subject had been assigned to Louis J. Burch, of Detroit, chair- man of the Grand Legislative Com- mittee, who, by reason of being con- fined to his home by sickness, could not respond. The subject assigned Mr. Burch was “Hotels as traveling men see them.” Mr. Hach changed this subject to “Hotels as traveling men want to see them.” Mr. Hach’s re- marks were very kindly received and it is the belief that the result of this meeting has done much to bring the hotel men and the U. C. T. in closer touch, with a strong and friendly feel- ing. It is also very gratifying to the members of the United Commercial Travelers to know that a member of their organization, Glenn Filmore of the Quincy House, Quincy, and who was a member of Coldwater Council, was elected Vice-President of the Hlotel Men’s Association. -—--_2-2e>_____— Court W. DeHart has engaged in the grocery business at Sheridan, the Worden Grocer Co. furnishing the stock. —_++>__ A popular minister avoids touching the sore spots of his congregation. vignal Mountain Hotel Signal Mountain, Tenn. Two Thousand Feet Above Sea Level Open All the Year Reached by the Palace Cars of the Chattanooga Traction Co. J. E. KENNEDY, Manager, formerly of Congress Hotel Co., Chicago New Service Station 26 December 20, 1916 Michigan Board of Pharmacy. President—E. T. Boden, Bay City. Secretary—Charles S. Koon, Muskegon. Treasurer—George F. Snyder, Grand Rapids. Other Members—-Leonard A. Seltzer, Detroit; Ellis E. Faulkner, Delton. Examination Sessions—Hotel Tuller, Detroit, January 16, 17 and 18; Press Hall, Grand Rapids, March 20, 21 and 22. State Pharmaceutical Michigan Asso- ciation. President—C. H. Jongejan, Grand Rapids. Secretary—F. J. Wheaton, Jackson. Treasurer—John G. Steketee, Grand Ranids. Next Annual Meeting—Grand Rapids, June 19, 20 and 21, 1917. Michigan Pharmaceutical Travelers’ As- sociation. President—Fred L. Raymond, Grand Rapids. Secretary and Treasurer—Walter S. Lawton, Grand Rapids. Some Advantages of Buying Through the Jobber. There are complete libraries written about the manufacturer, the retailer, and the very little about the jobber, except now and then one can hear a word, or see a stone thrown into the camp by some interests that are trying to get some of their trade. It is a poor busi- ness ‘policy, but it is done just the same, Also, once in a while one will hear that the jobbers are “hold-ups,” high- way robbers, mortgage sharks and so on, but this calamity holler never comes from the honest, reliable, well- meaning retailer. consumer, but jobber’s Strange as it may seem, it comes largely from the country wide pro- claimed judgment and execution proof dead-beat, which, after cheating every creditor, concludes that the jobbers are non-productive elements. That much for the dead-beat. Now let’s see what are the advan- tages. First—Credit. The jobber furnishes the retailer with credit. It takes cash and credit to operate business. Credit is the life blood of modern business; the jobber furnishes it to the retailer. The credit managers of every jobbing house are the surgeons who inject this blood into the retail body. The surgeon knows the anato- my of the body. The credit manager knows the retail business; they are experts in trade and can always give good counsel or advice. Second—The jobbers’ salesmen. It is an axiom that personal and friendly relations between the buyer and the seller are as much essential for their mutual good as the material consideration which changes hands. I consider the jobber’s salesman the conductor that conveys this impor- tant factor in trade from the jobber to the retailer, and vice versa, and not a mere business getter, order taker or credit scout. The salesman knows the individual needs of his customers. He does not push any particular brand, and in this manner he assists the retailer in keep- ing his stock down and the variety up; also paves the road for a better and quicker turn-over. Third—Concentrated buying. One of the chief advantages the jobber affords the retailer is that he may concentrate his buying to as few houses as he may choose. The value of concentrated buying cannot be too much over estimated. Taking, for instance, in our own line, the average number of articles sold in a fairly well-stock drug store, is be- tween twenty and thirty thousand. They are the products of eight hun- dred to a thousand sources. If we would be compelled to buy from all these sources direct, we would have to spend more time than we have in seeing salesmen of all these houses or ordering by mail. Also stock-keeping would be com- plicated. It would require an ex- pensive system of stock records, prob- ably more costly than we could afford to have. Additional expenses such as freight, express, parcel post and postage would be in most of the cases more than the actual value of the goods. The result would be that we would have to go out of business. In case a retailer would get in a position where he would have to be carried out of financial difficulties, he would have an unlimited amount of creditors to contend with. In many cases creditors would not agree on terms of extension and the retailer would be put to the wall. Whereas, with the jobber as the source of sup- ply, the retailer may concentrate his buying to two or three houses, culti- vating intimate relations with ‘the credit managers of these houses and, if he should get in a position men- tioned before, the matter of being lifted and put back on the solid foot- ing would be easy. Four—The turn-over. The turn-over is the key to retail success. The jobber makes it possi- ble for the independent retailer to turn his capital, as in the case of chain stores. What the turn-over means for the retailer may be seen from the fact that one dollar invested twelve times in one year will yield a greater percentage of profit than twelve dol- lars invested once. A certain item bought for a dollar and sold for a dollar and a quarter, twelve times a year, the profit on the one dollar invested would be three dollars, or 300 per cent. per annum. If twelve items or a whole year’s supply is bought for twelve dollars at a quantity discount of 10 per cent., net cost ten dollars and eighty cents, the average investment would be five dollars and forty cents. This would give three dollars profit, or 55 per cent. per annum. Five—Quantity buying. It has been repeatedly said that quantity buying often delivers a prom- ising business into the hands of the receivers. This is just what happened to my friend Jack White. Jack possessed all the traits which make a successful retailer. After working a consider- able length of time in one of the lead- ing grocery stores of our city, he was well acquainted with the trade and its demands. He decided to go into business for himself. He had a little money saved and was well known to the jobbers’ salesman that used to call on his employer. He soon found a location. The salesman introduced him to their respective houses. He gave the credit man a true statement as to his finances and himself. The fact that his capital was limited did not stop the jobbers from giving him a complete stock of merchandise to start with. Jack opened the store. Everything was lovely. Trade was getting better every day. He worked so that he always had an order in with the jobber, one on the way from the jobber, and one ready to unpack. In this way he effected a quick turn- over. He did not have any capital tied up in unsalable merchandise. The jobbers carried his surplus stock. He discounted his bills. After one year in business Jack had his stock and fix- tures paid for and a fair-sized balance in his bank and an A-1 rating to his credit. (Of course Jack’s success cannot be achieved by buying goods for discount and not in proportion with the trade’s demand.) At this time representatives of vari- ous direct selling manufacturers start- ed to call on him. The “quantity buying discount fever” overtook Jack and with this started his downfall. Most of these manufacturers prefer- red to have the goods shipped through the jobber, some charged direct. Jack’s bank balance was soon exhaust- ed and his credit overstrained. Dis- counting bills was a thing of the past. He was still doing business but start- ed to lose sales on some lines while he was over-stocked on others. He took in a money partner who soon pulled out taking a chattel mortgage as a security for his investment. Jack could not meet his payments so his former partner foreclosed on_ him. To-day Jack is looking for a job. Jack is taking his failure in the spir- it that it is a phase of success. He has learned by it what to avoid. He conceived that the cause’ of his failure lies within himself and his unwise buy- ing. If he could only have resisted temptation and kept on buying in quantities needed, and in time wanted If he should have borne in mind that no matter how cheap one may buy his merchandise, profits are never counted until goods are sold. If he had have figured that 1 per cent. discount in twenty days allowed by the jobber amounts to 18 per cent. per annum is by far better than the 10 or 15 per cent. “bait” discount given by the direct selling manufacturers, he would be out to-day looking for help —not for a job, P. Honorof. —— ++» Your greatest possession is not your business, your bank account, your reputation, or your many friends. Your greatest possession is your mind, and you are rich or poor as your mind is rich or poor. Melo rg “Its strong up-building aclion Gives general satisfaction. ’’ J BRELINIG Co, For Sale by all Wholesale Druggists Satisfied Customers are the foundation of our business Good Merchandise and Prompt Service have strengthened this foundation Heystek & Canfield Co. Jobbers of Wall Paper — Paints — Factory Supplies i : ech ¢ ; : December 2Q, 1916 MICHIGAN TRADESMAN 27 2 Prices quoted are nominal, based on market the day or issue Acids Mustard, true, oz. @2 00 Ipceae .......... @ 7 S Boric (Powd.) .. 17@ 25 Mustard, artifil oz. @2 25 Iron, clo. ........ @ 60 ‘ Boric (Xtal) .... 17@ 25 Neatsfoot ....... 85@ 95 Kino ............ @ 80 Carbolic ........ 72@ 16 Olive, pure .... 7 60@3 50 Myrrh ........... @1 05 A Giria (0 80@ 90 Olive, Malaga. Nux Vomica .... @ 7 ND ack. 2%4@ 3 yellow ...... 160@175 Opium .......... @3 50 Nitric (21. ...).. 7%@ 10 Olive, Malaga. Opium, Camph. @ 90 e @xahe ...... 2. 80@ 90 BPOCM wcccccce 160@1 75 Opium, Deodorz’d @2 75 Sulphuric ....... 2u%@ Orange, Sweet ..4 00@4 20 Rhubarb ........ @ 70 aADie n oe 3@ s§ Orlganum, pure .. @2 50 Origanum, com’) @ 75 Ammonia Paunyraye) ues Ee 50 Paints eppermint .... 5@3 50 Lead, red dry .. 10 a ae : Water, 26 dee... 8G 12 Rote pure... is ooo Ww ead, Weary ie Oleh ow on display in our sundry room, viz: Water, 4 deg... dq 8 Rosemary, Flows 160@1 75 Lead, white oll 10 @ioi Carbonate ..... 14 @ 16 eres E. 12 00@12 20 Ochre, il bbl. 1 @1% ep ee ae ge Be cee e ae aac chre, y , les 5 Chloride ....... 16 @ 35 Sassafras, one = S Putty ” — less 46 5 assafras, artifi’ Red Venet'n bbl. © Balsams Spearmint ..... 2 75@8 00 Red vows pe ice ite Ivory Goods Culiie ........10@140 Sem... 1 00@1 10 Vermillion, Amer. a0 35 Fir (Canada) .. 125@150 ‘Tansy 3 50@3 75 on, Amer. 25@ 30 Bir (Orcean Ca ce = Voeseeeeeee @ Whiting, bbl. ..... - @1 45 e eru . 4 5004 75 Turpentine, Bub ee 58 Lee ‘Brand. | a. eee. ine, @ 7 Leather Goods in Gents’ Sets "Wale ool... ol cw. 60@ 80 Turpentine, less 63@ 68 = Exe. 1 qs 7 Berries Wintergreen, tr. 5 50@5 75 I ae “aac Wintergreen, sweet . deel nsecticides ee UDED ..--0-- . Ren ........ 400@4 25 + IC wee ee seen. 9@ 15 Bish |. .......- - 15 @ 20 Wintergreen, art 1 75@1 85 Blue Vitriol, bbl. 5 Hand Bags, Writing Sets, Juniper (222001. "8 @ 18 Wormseea’...- 3 S0@4 00 Blue Vitrol lass ita 35 . % Wormwood . 3 75@4 00 €aux Mix Dry 14@ 20 Hellebo: Collar Bags, etc., Toilet, Manicure and i. Saeeia powdered vs. 35@ 40 a. i Insect Powder .. 30@ 50 Cassia (ordinar 25 30 Bicarbonate .... 190@2 00 L, 7 Military Sets Cassia ar ue, aus Hichsomete ...... @@ @ tine a eS Elm (powd. 35c) 30@ 35 Bromide ...... 1 $0@2 00 “Solution, gal 15@ 25 S k ; : . Sassafras (pow. 35c) @ 30 Carbonate ..... 1 60@1 75 Parts Gre iy a 25 moker’s Articles, General Novelties oo Coe). che aaa’ ee © a 1 as Chlorate, xtal or Miscellaneous - Cut Glass a aiadie powd. .......... 5@ 80 Acetanalid ....... 85@ 95 Licorice ......... 8@ 40 ping aac: é iene a AluUM ..........04. 9@ 12 Licorice powdered 60@ 70 po. oo Alum, powdered x . Permanaganate 2 75@3 00 . ed and Stationery, Books, Bibles, Games Flowers Prussiate, yellow’ @160 ground ........ 1@ 15 Anica 0 2 0@1 50 Prussiate, red .... 3 50 Bismuth, Subni- Chamomile (Ger.) 80@ %5 Sulphate ..... wae 10 trate. . 22... 80@4 00 Chamomile (Rom) 55@ 60 Roots Borax xtal or a Alkanet .......... 90@1 00 Powdered ...... 10@ 15 i ums Blood, powdered 20@ 25 Cantharades po 2 00@12 00 i 2 Acacia, Ist ...... 50@ 60 Calamus ........ 30@38 50) Calomel 91@2 H | a Acacia, 2nd - 45@ 50 Elecampane, pwd. 15@ 20 ... "7" 1 91@2 00 azeitine erKins rug 0. Acacia, 8rd ...... 45@ 60 Gentian, powd. 30@ 35 “@PpSicum ........ 80@ 39 ae Sorts a3 25@ 30 Ginger, African, Carmine ........ 6 50@7 00 cacia, powdered 40@ 50 powdered ...... 20@ 25 Cassia Buds @ ‘ i : . ee _S pl - assia Buds ..... @ 40 Wholesale Druggists Grand Rapids, Michigan Wee eee Se ee ee Cloves... 30@ 35 Aloes (Soc. rows) 40@ 50 powdered ...... 30@ 35 Chalk Prepared 6@ 8% Asafoetida 1 00@1 10 Goldenseal pow. 750@7 70 Chalk Precipitated 7q@ vu Asafoetida, Powd. Ipecac, powd. ..3 25@3 50 Chloroform ...... 70@ 78 fae 15@1 25 Eicosice ....... & @ 35 Chloral Hydrate 1 92@2 12 oe é meee i 3001 50 Licorice, powd. . 28@ 35 Cucaine ........ 5 oa 6u Camphor’ ...... 95@ 98 Oris, powdered — Se oe aie one... fe lee ree Be ok te le 108 Guaiac, powdered 50@ 55 Rhubarb ......... 75@1 00 Copperas, bbis. .... @ 2 Mae 4.2... 70@ 75 Mbubarb, powd. i@125 Copperas, less .. 24@ 1 Kino, powdered .. 75@ so Rosinweed, powd. 25@ 30 Copperas, powd. .. 4@ 1@ a " . a a Sarsaparilla, Hond. : eo has 1 75@1 80 ny Myrr SOLA ground ....... 5 60 ream Tartar .... s 55 am | uu _— 154 io Sarsaparilla Mexican, Cuttlebone ....... 3 50 Opium, powd. 15 00@15 20 ground ........ x 30 Dextrine ...... ‘. “6 10 Opium, gran. 15 o0@15 30 Squille (....:.... 35@ 40 Dover's Powder @3 00 Shellac 45@ 50 Serie noneered ue 60 Pepe all ce 6@ 1 Saesseess Tumeric, powd. .. 183@ 20 umery, powdered 6 & Shellac, Bleached 45@ 50 valerian, powd. .. 70@ 75 Epsom Salts, bbls. @ 2% Tragacanth .. 2 50@3 00 Epsom Salts, less 3 7 Tragacanth powder 2 25 Seeds Ergot eccscesee 1 25@1 50 Turpentine ...... 10@ 15 Anning 20@ 2% — a 2 = 3 00 Anise, powdered @ 25 WFormaldeh 4 “ib. 15 20 Leaves Bird, 1s i Ge ae Buehu ......... 75@1 g5 Canary 8 12 Glassware, full es on Buchu, powdered i 8@2 00 Caraway ......... oe 65 Glassware, less- 10 — Sage, bulk ....... 67@ 70 Cardamon ...... 200 Glauber Salts ODL e 1 Sage, %s loose .. 72@ 7g Celery (Powd. io) $0 35 Glauber Salts less 2 7 Sage, powdered .. 55@ 60 Coriander 144@ 20 Glue, brown B@ 18 Senna, Alex ..... 70@ 75 Dill ...... 30 Glue, brown grd. no 7 Senna, Tinn. .... 40@ 45 Benne .........- 75 Glue. eit grad. Co - Senna, Tinn. pow. 50@ 55 Flax .............. 10 Glue, white grd. ino 30 Uva Wrst) ..2..... 18@ 20 Flax, ground : 1 1 Gea |. 58 Foenugreek, pow. _ 15 ooe a aca sae == z LWAYS refer to = oe if Hope ences Ow Almonds, Bitter, EOHGHS 2.02.2. 5 oe 50 fodine Le 68@5 91 tru ...... 15 00@16 09 Mustard, yellow 19@ 25 fodoform ...... 6 78@6 94 the telephone Almonds Bitter Mustard, black -.19@ 25 Lead Acetate .. 200 25 artificial ..... 775@3 00 pear powd. 228 Sf Lycopdium ....... @3 3 : Almonds, Sweet, oe ea 10001 gf Mace ........... 85@ 90 trie <....,... § 2@16 . = "° scee * directory before call- ee ee.” ee oe Se er el Se imitation is 65@ 75 Sabadilla ........ ~ 50 Morphine ...... q 80@7 55 : Amber, crude .. 1 75@2 00 ee — 4° Nux Vomica .. 20@ 25 ing for a number. Amber, rectified 2 50@2 75 Sunflower -....- 7™@ 30 Nux Vomica, pow. @ 20 and Worm American @ 2 q MSG 5356... 6. 2 Torn Lavant 1 50@1 75 Pepper, black pow. @ 35 z i 2 Ea etont . <7 - ° Pepper, white ..... @ 40 This is a simple rule es Tinctures Goa ue & Castox 2... AGONKEG 2.05.05. @ 7 Quinine Tl, 65@ 75 hi h k fi Cedar Leaf ... PlGGR foo. @ 65 Rochelle Salts ... 483@ 50 Whic makes Ior ac- Citronella . Arnica... @ 75 Saccharine oz. ..... @1 80 Cloves Asafoetida @i 36 Salt Peter ....... 38@ 45 : Cocoanut . Belladonna .. @1 65 Seidlitz Mixture .. 36@ 40 Cc u T a Cc VY an d g oO O d Cod Liver ...... 5 Bonzo ........- @100 Soap, green ...... O@ 25 . Cotton Seed .... 1 35@1 45 Benzoin Compo’d @100 Soap, mott castile 13@ 15 Groton . 22.5... 1 ee SG Buchu 2.2.2... @1 50 — white castile e Cupbebs: ........ ‘ 25@4 50 Cantharadies @i 80: Gale 22.0... 6... 8 00 service. Bier .....-.. 1 75@2 00 Capsicum ....... @ 90 Soap, white castle Eucalyptus ..... 1 00@1 25 Cardamon ....... @1 50 less, per bar .. @ 85 Hemlock, pure ... @100 Cardamon, Comp. @2 00 Soda Ash ...... 4%4%@ 10 Juniper Berries 18 aos 9@ Cateehu ........ @ 60 Soda Bicarbonate 2%4@ 6 Juniper Wood ..2 50@2 75 Cinchona ........ @1 05 Soda, Sal ..... 1%@ 5 Lard, extra ...... — Qo. Colchicum ...... @ 75 Spirits "Campin @ 16 5 . Lard, No. 1 ...... 85@ 95 Cubebs .......... @1 20 Sulphur roll .... "9 6 Michigan State Telephone Company Lavender Flow. ae 75 Digitalis ...-.... @ 30 Sulphur Sub .. 3@ 42 vavender, Gar’n 5 emeiag 6 .......5 amarinds ....... Tiemonm: ......-.- 2 00@2. 25 Ginger .......... @ 95 Tartar Emetic .... $ 80 Linseed, boiled bbl. @1 00 Guaiac .......... @105 Turpentine Ven. 50@3 50 Linseed, bld. less : 05@1 10 Guaiac, Ammon. @ 80 Vanilla Ex. pure 1 00@1 50 Linseed, raw, bbl. @ 99 Iodine .......... @2 00 Witch Hazel ..... 65@1 00 Linseed, rw, less I 04@1 09 Todine, Colorless @2 00 Zinc Sulphate ... 10@ 15 Ae Se 7 a Mei MICHIGAN TRADESMAN December 20, 1915 GROCERY PRICE CURRENT 3 4 5 . ~ iced aii Dashes 6 4 o These quotati eee ae =). oes snes ne carefully corrected weekly. within six hours of mailing. CHEWING GUM oak. ee Peanuts (ay —— ee € correct at time of going to press. Prices, however. are — Biack Jack .... 62 package coffee is sold to Fancy H P Suns : . Be - eases ce ; ange at any time. and country merchants will have their orders filled Beeman’s Pease eres 62 oro Roast d 1 ot i nt seatket ecices ot 2 ders direct to W. F. Mc- oasted ...... 7 @ 1% j prices at date of purchase. Beechnut (000001... 60 Laughlin & Co., Chicago. H. P. Jumbo, ( ee si 1 33 Extracts oo 8%*@ 9 i Ves iole ps .. 6 # Holl : : oasted ...... 9 ‘ Caraway gaa DECLINED a ee 62 Felix, 4 ‘rose os : 15 a Eterna seers - Hummel's foil, % gro. 85 CRACKERS Ground Pepper Doublemint ............ 64 "i : Corn Syrup Flag Spruce ...1.2.22) Ss ee See te cto Bit Gonpeny *D’ Karo Syrup Heshey Gum .......... 45 CONFECTIONERY Brands Salt al ot oe mer etaw eae - . oe Candy Pails ine Cu oom 6 . 62 OFORGUNG 3 .....-5., 12 In-er- } Way Up Smoking a — FeD. .. 62 oe eee eee boos 12 ‘ oo TY ankee Gir ug erling 7-Point ....... 62 tandard, small ..... 13 \ oe Spearmint, Wrigleys .. 64 Twist, small ........ 13 : _ Per dos. ri _ Spearmint, 5 box jars 3 20 Cases Paronet Biscuit ...... 1 00 i index to Markets 1 9 Tonemnant, 6 box jars 3 85 Jumbo eee. 12% oe oo seacese 1 00 i runk Spruce .......... 62 umbo, small ....... 13 cameo Biscuit ...... 1 50 i el rl Vitis |... ge | Big Stick aa 12% Cheese Sandwich .... 1 00 * & By Columns auenain — ll Zeno Pe “777! gq ‘Boston Sugar Stick .. 16° we Ieee eee 1 09 J ui mith Bros. Gum ...... Mi : pocesace - 00 i 12 os. ovals, 2 doz. box 160 ‘ttle Neck, 1 Ib. ....128 Wrigteys 5 box lots. 61 en Guner ae eee te | Col Burnham’s ee CHOCOLATE Broken) 08). 12 Ree -- 100 ) : A ~ Burnham's ee oe 3 7. Walter Baker & Co. Cut Loaf ........see. le tome te Cy ¢ ‘ oe - oe : ‘i, ene eee . Qos.3o9 Pummham's ate. ...... 7 50 eee DWeet 5. ....5 - — Cream ...... 13 oo oan. vo Pi : poe oo. : , . im Raney oe pest oeies seeees 4 . cae te ee ze Pair Corn Caracas: 10. 8 Gooner ae - Uysterettes oe. BG ; : : Zz. Ah (660 » 60 el open ec 7 POSTE leila ane ’retzeenos ..... coe i Bea Baas : 1m. pelle oer ge ed 1 35@1 40 Walter M. Lowney Co. Kindergarten ........ 13 oa ae e. 50 ; ‘ er | ae eo a fe hor eee Premium, 4s ..006 000. . es. beader 2) ici 12 Social Tea eo. 1 00 Bites 1 25tb. pails, per doz. ..12 00 French Peas EVORa: AO + +--+ = roa ee a? Saltine Biscuit 2 i 00 oe engl bila BAKED BEANS Se CLOTHES LINE || Paris Creams’... 1g Saratoga Flakes"... 1 50 co | Me lLperan c ° 2 seer No. 40 Twisted Cotton 130 Premio Creams ...... © foe dy Butter Color ......... 1 MO. 2 per dow, .. 8: 16 a > nen 1 35 No. 50 Twisted Cotton 1 70 ae. fad ata eae a8 Tokens seus ? 4 4 Cc No. 3, per doz. .....__. 235 No. 2, Fancy ee 2 50 No. 80 Twisted Gotten 5 1 Valiny Creams ...... is” Uneeda Biscuit “.227 30 4 sense N - 8 epee Conon 2 40 Soe ee U : cis al i eda 1k eee oe ee | gl eee Ct eee ie | eer eS ee =e eer eeereene bee ceee ee ese oO. raide otton 2 00 2 7S she ee 3 BLUING soe =. ee et iis Zu Bu poe: ay 30 SE nnn eee eee eenee Setveiaina? LSS ee 175 No. 50 Sas ord .... 250 Auto Kisses (1 S Zwi fees tem .------- : Condensed Pons Bluing So... . 290 No. 60 Sash Cord .... 300 Bonnie ee srt ig Ce aes i Fe oe ti 2 Small, 2 dor. box ._. 195. Pienic Flat ......... 310 No. 60 Jute .......... 90 Butter Cream Corn .. 15 Other Package Goods t a 3 Large, 2 doz. box |... 2 40 Macknee! ae G27 3ute <2... se 110 Caramel Bon Bons .. 15 Barnum’s Animals @ & ime 3 Folger’s Mustard, 1 Ib. ....... 19 ‘No. 60 Sisal ......... 100 Caramel Dice ........ 13 er. 8 es a ee 3 Summer Sky, 3 dz. cs. 1 39 Mustard, 2 Ib. ....... 2 80 Galvanized Wire Caramel Croquettes .. 14 Soda Crackers NBC 2 6@ mretnns 4 Summer Sky, 10 dz. bb16 09 Soused, 1% Ib. ...... 160 No. 20, each 100ft. long 190 Cocoanut Waffles .... 14 Crackers .....-......- 5, 6 Soused, 2 Ib. 2 No. 19, each 100ft. long 210 Coffy Toffy .......... 15 Bulk Goods «ib Cream Tartar ........ 6 BREAKFAST FOODS Tomato, 1 Ib. . No. 20, each 100ft. long 100 National Mints 7 ‘tb tin 20 \ a Bear Food, Pettijohns 2 ¢5 Tomato, 2 Ib. No. 19, each 100ft. long 2 10 pour Fudge ....... 15 Agi Cans and boxes : racked Wheat 24-2 2 90 Mushrooms COCOA Mudge, Walnut ...... 16 Atlantica. Aicia’’ oon ae Dried Fruits ......... 6 Cream of Wheat .... 5 49 Buttons, %s ......... of Rikers... » oo a sees 16 Avena fruit mene" = Ee : Cream of Rye, 24-2 .. Bittons, if ...3... 4: @3s Cleveland ..........-... 41 FF Be, oco. Peanut 14 Beverly 7 " 4 Evaporated Milk ..... 5 Qaekec putea Rice tb Hoek i... @38 Colonial, %s ........0. 35 Fuge’ peed — a Bonnie Doon Cookies 12 Quaker Puffed Wheat 4 30 O° Colonial, % 3 ’ aaa Bo Peeps A ysters ’ Boise ees wosca ap x O Peeps, S. o Farinaceous Goods .... 6 —— oe co ove. 1. ....... @_ 90 EPPS woes a eceeeeeee ees 42 rude Goon tut a if - Bouquet Waters 7 c 22 : —. ao. ; paces kms “i - Cove, 2 tb: ........ @1 60 es YS ....--+-. 32 toneysuckle Candy .. 18 Canto Cakes .....//) 18 the Flavoring Extracts .. 7% Wheatena .......... it. Plums che 8, BS -..-- --+- 80 Iced Maroons ....... 15 ne Biscuit ...... 25 ‘ Flour and Feed ...... 7 Bvapor’ed Sugar Corn Paes... Ole. Ta ined Gems ......-.... Ge elle Biseult ..... - 18 Fruit Jars ........... 7 Ge Moe 5... 2% 4. re 2 re Lowney, 4s .. Iced Orange Jellies .. 13 Chneai ge ao7-s 20 Sugar Corn Fiakes .. 2.50 No.3 can, per dz. 200@3 00 Yowney. ts 1. : Italian Bon Bons .... 13 Gone Bar (cans) 20 G Holland Rusk ....... 3 80 Peas Lowney, 5 Ib. cans .... er ell asso rena BS Cop Coe s a Gentine =... 7 Krinkle Corn Flakes 200 Marrowfat .... 110@115 Van Houten, AA Licorice Drops Cocoanut Tath caccess 28 an Pa .......... 7 Mapl-Flake, Whole Early June ..... 1 35@1 45 van Houten’ %s |... 18 _ 5 Ib. box ......... 225 9 Gocoamr Doty Bar .. 16 ee See ec ere 360 Early June siftd 1 45@155 Van Houten. %s ..... . 36 — i neee ae 14 Cocoanut Macaroon’ 25 ; H nn. eat Meal .. 4 50 Peaches Van Houten, 1s ........ 65 ozenges. Pink ...... 14 5 . ‘ Wats 7 Ralston Wheat Food | Pie 2... .- 100@1 25 Wan-Eta .............. 36 Manchus ............ - Coffee yore ee ae 1 Hides and Pelts ee 8 se =. pera ‘e No. 10 size can pie @8 25 Webb el bbee ie bees es 33 ai ay Kisses, 10 a Gople Gee ced ... 1 i orse es 8 00) s er, eB ....2.--.s.. G OK na vicccie sss > - a secccccee : Ross’s Whole Wheat . Pineapple _ Wilber, $s pe eeceee se 32 Nut Butter Puffs .... 14 Coe te vo 26 Biscuit em Grated ....---.. 1 75@2 10 Star Patties. Asst i4 Crumpets ......... 15 4 Saxon Wheat Food .. 325 Sliced ......... 1 45@2 60 COCOANUT Molasses Coco Balls" Cream Fingers ....:) 18 Jelly i wssyeeeee 8 Shred Wheat Biscuit 360 Piscapicee a Ue Ue... 8 etal Jumbies ee

ig a a. biecib ssc cesses ee > ‘ancy Tameen 26 Almonds, Tarragona 20 woo Jumbles .. 25 z oe 10 raiine, 128 ......-- 0, 10 2... ee. monds, California Mar: ae see i ee 10 Wicking .......-.... 20 Tuna ill eee eee - Mass shell Drake ..@20 Malsdy Gone — 20 i ee Case Vitec idan Koda al atin d TAPS ccc cseccs Ae 18 a. wee f Syrups 10 CANNED GOODS ase ne... Java Wiberts ...:.:....:. ois NBC Hoan ao : eas aa oo Apples 8, 4 doz. in case ... aver — oan ae No. 12. S. ... @20 Oatmeal Gadae” i 2 pope eee es . Standards .. @ 90 8, oz. in case .... BUG wipes cc es alnuts, Naples 164%@18%4 Orar G See eS ae 10 No. 10 @3 00 Aukola .........-.. 30@32 Walnuts, Grenoble ee aoa ee ee INO. ID ec e ences @ : ’ Penny A Tobacco ....... 11,12, 13 Lah OR _ CATSUP i. Table nuts, fancy 13@14 —Picnis: Minadet77"°" 15 ‘ Oe 8 esses 12 Snider’s % pints .... 1 40 P sereceoe 16 2h seeoe 150@1 90 Snider's pints 249 Short Bean ..... «+. 25@27 ecans, Large .... @15 Pineapple Cakes .... 18 Vv Standard No. 10 @6 00 CHEESE ge J na eases ae Pecans, are @17 Planet Cakes ..... tae te ae ......-....... 18 a eee 25 Se eee Priscilla Cake ...... 10 w Raked .... 8” 1 00@1 30 Carson’ Gity "11. 2854 _— Peanuts ss. 8 @ 9% Baisin Cookies ...... if ‘ Red Kidney .:.. it bp IOK oe sve eons tn PE rere eceteennocres Te ae ee We. he % Raisin Gems ...2121. 16 c AQ eS Ss D sca SP @ DO cicsak oseeses, x, Lg. Va. Shelled Royal Lunch .... 11 Woodenware ......... Be omic ee 1 10@1 75 tambureer ... |”: @23 Exchange Market. Steady ,, Peanuts ...... 11%@12 ~—s Reveres Asstd. .. 277" 39 Wrapping Paper ae 14 “wie 1 00@1 75 Pineapple Coe 1 25@1 35 Spot Market, Strong Wrctut tetas eseee oer ee Biscuit ve aS ue’ rrie seee ea: Y is 6 . tag Taam, .----.---- @1 80 Package Filbert Meats ..... @38 Beaerce oe { Can tee Sap Sago ....... @45 New York Basis Aimond eT ete ge Yeast Cake .........., 1M NO. 10 ....sssvvsssss 650 Swiss, Domestic @° arpud 1900 Jordon Aimonds’... Om = Ebiced fumbles, Teed 16 Peete ess ordon Almonds ... Spiced Marshmallow 18 aR Recemper, 70, 1056 6 MIC Sugar 7 HIGA Sugar oo ES N TR a ——_—— A Vanilla a - FLAVORING ee 8 DESMAN etesice E N Butter “a Jennings © eo HO 9 ure ran R N B C, Square eee No. 1, % re Vanilla d Per HORSE RADISH N ue or ae 9 No. 4, a eee 90 pO a ei. 10 29 «he BC — O. 3 5 on 1 25 5]b. LY Ib. pail ...advan a Premi aoe oo 2 oz. ', % oz. eee! 2 25 151b. pails, per d 5 Ib. pa S ...adva. ce % Saratoga oe ackers 9 Lat acne .o 301b. Ln per pail a 3 Ib. oie : Taavanee i? Mees oa 11 e anes ele nie per oe a + advi e 4 8. | Bene 9 flakes 20-28 Ne. Pure Lemon ? ber pail 22135 Hams, Teg" savance 1 Mess. 19, tbs Formosa, Mesits 10 N , Oyster: <2; . Pane ssort ams, Ib. Mess Ss. rmosa, um. . { , ‘Shell © Oysters Square . fe 7 oe oa Poe aes ta = a at Noi, 100 1 woe a - 25@28 ease e ce s Square 9 a 3. Bis oz. Panel a Orange (Straight)... 270 Ham, Maca tb. : oe” a + ai Engll Fancy “ a 35 techn ts. oz. Flat. oz. Ta 9 Raspb raight) .... 2 70 sets eef 8 ee a Con sh Breakf a & at ..... per 175 St erry (St an oe we tessees » 10 Ibs. Conse Mea eakfast 7 wae eal tles el ae oe 1 75 aoaehe aeraient) a. woe eh 29 @30 100 1 Lake H 1 Congou, ao 85 a * N Sco! (10 cant tin 1 Grand R AND F Chun (St traight) 2 0 Har Boiled s14 @14 40 1 Pe i erring G ngou, F: lca @30 ; Hatigeo on on tins) 1 x apies cane cnecerate ra a a Bs i “ ae Ibs. cttteeceececes ia ane io a 20935 4 8 . Po an ea * Festino (No. 20 Tin) 2 00 Ww illing Co. in & oo (Strai raight) 2 Mince Hams 19% @20 OWS. woes sees 235 PB ancy 60/ ee ; ro (25¢ a oe 1 75 Purity Minter Whe Il-O Ice ba 3 a oh Wam 29° @30 Bets BR Pekoe, ue @s80 7 *. a at eam : nh. .. 14% wee" ; r. P ium Anola Doone . Ss 250 Faney § atent es As ah Bane 4@15 Anise EEDS Ga Fl ekoe, 4 A, eee castro ot se a $e Bologna oe i I ineekoes Shee. Gas uit Cake ize aham a - yaaa. gina h iv c araway yrn ae c G i eo a. . Cake 3 - wo potan. oo 8 25 bien ace 4 70 Liver we ‘a on Caraway er eee 7 TOBACC y 40@50 4 nal Bis ations o Rye uckw’ eal 6 00 I wherry t) 9 9 ankfort .... 9% . % Cele on, Malabar 1 50 Blo Fine oO t cui f N ; t : 4e (Ss P : @1 r b t Cc y © change lt Co., subs Shae cwt @o0 Unflav (uae a Bees 18 oi fo eau ar 1 20 sh RE ut ‘ ¢' Barr cReAM hoo a ryalles City ee 8 55 yore vestraient 2 70 Tous a 11 @12 Mixed ee ve 5. Bugle, 16 “oz. aansnass 1 45 } Eels cea a rg apie a A fs one 6 OS td TAR Light oer eo fe Straight o Jeil 279 Headcheese 22277777: = Poppy oa 3 hen Patch, gt 11 Z cone ane eis 50 ae Ce 8 90 nce doa. re Assorted Soca cees 10 Rap eee 20 Dan oe 4 = 16 oz. 36 ‘ Oxe8 ascent 54 iranena wionitetesees . Ss oe ea Bon PEI Mog at acin 36 Fa ch, 2 soc WES : eee Gre ea tees ev r4 t 15 eles ‘SHO oe st 2 oz. 1 52 4 ’ Wace ck ie a oe pie sereee : 7 Strawberry, Ch “aaa 4 60 Rump, Ree a 00@20 50 Hance lt BLACKING 10 Hiawatha’ Bh oz. oe ei UITS. Ee 3 ran her Jerry -- 24 50@ ¥-E e 3 dz awath ae Eva Appl S Wats wees 10 ge, Li re tenan Pig’ 225 09 Bixby’ ox. sm 3509 Ma a por’ es on-Hi soe 8 J me, P mon o DP! g’s Fe xby’s Roy all. y Flo ae -_ 60 Bva ed Ch New P iggins 00 ELLY ineappl ’ 3/ Ss et Miller’ oyal P cg 26 No I “wr wu” 5 por’ed F. oice blk T Perfecti Millin % pt. GLAS pie. . thie. 40 the er’s Cro olish g N mit, 6 oz. 40 =~ * @3% Gaon a eee in Bis, per de. #4 bbls., 40 Ibs. ...... 1 25 al Polish 85 Oipwar San. ie ‘74 A eer eee p Ploor ......, 8 85 ai in Mike nce doz eae oe to teeees guslea 4 sh 85 Ojib “wa: 1 f+ catorna ree Golden heat "wide. 90 Soe eapnel in hbo” ag POR Soo 50 Sacctbos" Intdaes® dee gat © 73 Corsica a ae ‘a est Flour j 20 2 ae meee Kits, 15 “eo a. oo — Rapple oe - 35 etek 8 . r 11 0 n. e . consi Oz EINE. 20 1% 4 s. ; jars . b skey 6 oz. | canton gle n . bottl NE 4 bbls -.- Bo SODA (“a re Chi zZ eee oo 1 oz. es, X Nige whe wea... oske ef 7 ~« 42 ¢ Imported, Currants * Grsker pe Grocer € 760 16 oz pparehis ber doz. 3 00 % vbls., 80 Ibs. 1... 1 = Kegs, English ..... Faach Gnd tities oz. 2 00 Impor 1 lb. pkg Qu r, paper er Co. a oa bottles r doz. 17 So... 0 glish . om Bee ad Hone oz. 4 00 | red bul | ..19 ple Perel a ata a 9 00 2 oz. bottles, per dz. 18 be Hogs, pe a. 3 00 wisn lces teers 44, Red Bene “aa 5e 5 76 . M a 183; ee auc ae Beef, rb. Alls hole Spl Sterli ‘on 3 8 uir eache 7, Woré Hard 909 Fer EM 0 00 , rou see pice, J pices ing, I : 4 hs Me 251b. Aineviean © Gee ce eee se ae al pl “ig@20 Allspice, ea a aa ane tae ce is 5 9 Banco | ancy, 2 2.8 Am n Eagl So. MOLA seeeee 285 eep Ss, set .. 0 aves Zax Garden @ weet C edie 76 vy, Peeled, 5 Ib. ¢ A ercian E e, &%s : N SSES Sa .. 45@55 Cassi , Zanzibar @11 Swe uba, 5 ter 91 cS si, ee agle, 14s 989 Fen ne Orlean s _Uncolor +» 115@1 35 @aents Canton .. | @24 Sw a Che a : i Lemon Peel - Eagle, % 9 79 Choice pen Kettl . Solid Datr ed Butter! pe iz co wee os 14@15 eee Gt. ide 16 e 4 Ora , Ameri Spring s 9 60 Goce Ge ... 45 Country wo ne ne Atrios . doz. @35 < veet Cubs , 1 Ib. is 95 i Lg ee Good IIB y Ronis. 39 35 Ginger, Cochin... @14% Smet Busts A 2 3 crintan, Weetlaa fee ee ea ee oe ee cane eae Sweet mini, Ron) 2 i 4oose M rtons ata tee 1 Red n, No extra rned Beef, b. Mixed, N WE. +s a Sweat Mist 5 16 a 5 Loose uscatel Ss... 7 eS... 0 30 Hen , 216 Roast se th | 450 Mixed Oo 2. @17 Sw Mist, 14 os 44 ‘ j Mus s,4C Worden Grocer C 10 $ Red , No. 5 eG toast Beef a4 [he ae ae @1r eet Mi 6 Ero. 4 90 ‘ L. M iscatel r. 9 Wingold en G 20 Hen ae 5 Roas | 2 ib ‘ aq75 Nutm pkes. d Tel ist § 8 9 ‘ Og ingold, } rocer C , No. 1 -. 2 00 st_ Beef tees egs, 70 dz. @45 elegram, 5c. 76 oded, 1 Cr. 8% Ww » WBS oO. oO 2. ) Pott aa - a6e we , 70-80 . E Tig , Se sa 90 oe BS 10% @ 10% Wincei As oF a a 50 % Ib. 6 we +. 195 Blavor a A 275 Pepper. Black. --° ba Tier, e Hameo 5 aa 7 25 Ib nes » %S cl t: 10 40 ox ... otted I ns |. eppe | arene oe : facia 0 a 6 00 80- 90 25 Th, eae ake gs Bulk, 1 hives 16 ntted Meat, Ham go Pepper. White 2.7. @2y Uncle Daniel, 1 ib... 2 40 s ra 80 25 lb. boxes ..@ : nee eal Bulk gal. kegs 1 1 Deviled V ys Paprika Cayenne @28 Daniel. 1 ih. oan 4 O- 70 25 ». boxes oe 834 olden G oes Bulk, 2 gal. ke 0@1 20 FI feat “H etree 92% P ka, Hungari -- @22 : on .. &s 50- 60 25 Ib. boxes --@ 9% ranulated .. 5 80. Stuff 5 gal. iia 105@11 D lavor, Vg am All ure an Am N: Plu - 5 23 po SR eR here gis Wht se RRR Seo gS neil teat, Han’ guns emg ay Wp 34 Ev . boxes |. @ e Wille tuffe cee ei 99 Potted 1 As... assia, C: Med eo rr. SS than eariots, 00. 1 00 aoe Mammo is 2 Os ew oo. mar Panviiea Gican _ 32 Root Teck ‘ aa rs . 30 Brow ‘and Picked .__ 8% Carlots Ha eae Os 6a Maca : 9 Rolled : LED OA a, Hungarian @25 Boot Jac ’ bh lb. 23 n Holland ed .. 750 - Less ts ..... ~ oz. Mammoth, “33° 4 25 Steel Poa hee ihes oor n @45 Bullion k, per doz __ 90 , on a a: 8 1200 Olive aa ae ao , oo Is. 725 ay STARCH Climax’ G Gnten a a f 7 eee 5 Yo. ~ e) , BeReeheue oni Juaker : . sks Ae i LZ. . A ys, BN na ee ae Original H ih Gg 95 Gra a Com es O 2 39 00 ROLEUM eG Gudlice 18 Hecutar | 9 46 y, 48 tb. a EA Climax. 7. oz. one 44 Pa oll - 75 cke at PR er, 2 ar i K pkgs. ) 5c ap 3 - Megie to Rusk sige Corn Fa 39 00 ©Perfecti prooucrs SAL 20 Family .. 150 ‘Silver genet an ¢ petal aes ing ¢ ee gy Kors sharine si Barrel, 1880" arm and Hammer” eo See ce ih 48 Split.” ‘Wfiecanat Knox’s Sparkling, oe 175 5 alf bbls., pA _.9 25 otte, 100 %s ._. 300 «Barrel Gane Ss Honey hoe, ana Ib. 36 plit, Ib. .. sin, bu. 5 50 te et ly doz. - 50 gallon kegs count 5 25 Guan pepe "3990 Half ra oe ‘ and 10 i Twist, 5 Ib. 43 eee ees ‘ , see ” S seer nl a seer ees °° ollv Ta . oo oo 8 Minute, 2 ay dos 4 - Barrel Small 2 20 eee bbls. Blue 1 ig oe So. oy - ear td = India ago Beleon® : s., 3 doz. 3 x ae hace ae 16 ee ee 100 ic J 40 a a ro No. tte 46. Kant 5% te 8 tb. a ae ae cog ne ; gall Oe cy 50 ated, 36 pkgs. . BG eS Tis ek 7 a | German. sacks Lass BS Oxford | eee ee 1 50 fe bees 6 25 gs. ..1 40 Blue ‘aro, te es ae 2 05 Ke 28 7 oO Kis e Twi Tb. fac 0. $I Pivmouth Hoek, Pla | Po ee | py ee a ee" S Flake Tapioca GRA : lain 90 {alf barr diets aa ag uals 70 i lb. sacks rades ue Karo, Sets ass 2 Merry ip, 16 : S55 SS te: 48 Pearl. 100 lb. s Broad G IN BAGS 5 gallo els . 14 00 (0 4 Ib. sa ce 2 15 Blne Ka No. 5,14 70 Noh Woidaas, oe eoary 100 lb. acks .. 8% hima Jauge, 12 0 me hoes... 6 75 60 5 Ib sacks :..... 15 doz ro, No. 10 z.285 P by Spun R 12%b _. 33 Seinute: 16 oe —— aoe oe 7 me oo se Ih i ack ve oe aia We. £ ep. Parrot, 12 Ib oll 6 @ 3 83 » 10 oz. 3 doz. 2 60 ne oa use 93 Half barrels . 56 Ib. sac We cues, ou doz O. 1 3) 270 Pes rson’s Nat. Tes a ts doz. 36 s aoa, 26 «=D puaig 21 00 23 i sacks oo 2909 R Ae ec eewe e, 2 eachey Nat Feat 32 : 0 Babe ERBS 5 gallon kegs ...... cee ed Ka settee > Pic y, 6, 12 .eaf 98 F a ke aoi1 es... 48 ro, N 1 23 icnic Twi & 2 $ ‘ Ne TACK Hone pe een Cl PIPE Bocce a on 56 1 pr aa 24 aa Karo, No. 8 dz. 2 ay Piper word 5 Ib 4 Ib. 43 a ge = aia Feng be Clay, No. 216, : 28 pig cacks Red oe Wo. §. 2dz. 3 40 LL ig Wek uy 4&7 1b 45 4 6 F ve Patpabiony Eee 15 Co _ , BP. eee oe 2 00 . dairy in “asi “sa; 26 oe No. 10 _ 2 20 Poates per o ¢ ee ae 5 BLAYE ne Se 2 : r : : a oie PELTS © to ® BLAVING CARD 2 ooo — way aoa Scrapple, 2 eee 30 s ree es - 90, St s BS cceeeee 5 gaa Sherry Cobb “ae hy Green, = z eae ca 20 ig a feval assorted 15 Granulated, "Fine oat 33 Good | -...-..- petro 16 bad wee 8 ar po 0 ireen, No. 2 ........ No. over. ed 1 25 Wediin. Ea ine DICE eee 20 S ar Head, 142 oz. Cured, No. 1 cua aS No. 572, Spe ? enam’d 1 n, Fine eh ob olger’s ie es pear B ¢ 1 auc 44 Res 8 ica o cial . ante oo Quarts rape g Tead, 34 OZ. .. ae oa -_ 308 Bic od fa as SALT FISH ae. pea rey @inch ‘Star, 6 12 “uae t Calfskin te No. 63% Tourn't w n. 200 Large, wi Ca ce oo. Star, 6, 12 and & 28'1b. 30 ‘ alfskin, cured, 0. 2 rn’t whis aoe We} He , large . = eS Q Gaae cuee Ne 2 ace me vuiteeP OTASH hist 225 Strips whole oo @ 9% ft oon 375 woe vy, 7%, 16 “ » No. 2 1 » &. dOZ. Pollo. r bricks. 11: ee 926 Tow y, 6 and 12 tt 34 Old Pelt 2014 PRO 17 yilock s 11% TEA n Talk, and 12 Ib Lambs. ae . 60@1 2 Glear Barreled. Pork ' Sa a wa Japan Yankee Girl, V7 cones be i Wha Shearlings ....... et 00 a A ek 28 00@30 00 Saget ~ ierriea cree ee 20@25 « 24 Ib. 33 Ce” ee ~ 2 7 Sr 27 ape Manas oe cra No. 1 Tallow 0@1 00 Brisk setteeee 00@28 00 Standar fe ee 13 59 Basket-fired Me 28@33 AR 2 P se Bees, Cleee 28 00@29 00 ndard, Kegs ..... 15 00 eee a uae: See Ge Meee po Bisco Bam @ 6 oe eg 30 00@31 00 f Wegh ...-.<.s. s- So oes ee 23@30 Bag Opies San 5 76 ( 2 tiers inet @ 5 ar Family _.... Med. Herring eb as 96 No. -fired Fan e 35@37 Cutl Pipe, fe. Hc... & 46 » Bamboo 8 ee med ei aoe 26 09 Labo Fat Split, 500 eat ie... 38@45 ake” Tice 5 88 \ Bamboo, z lg per doz ashed, fine .. pbs SP Se olay Meats eeeerr opis 200 i 8 00 Siftines, bag ee 30@32 Hovey tne Oh 26 Bamboo, 18 - = Se HONEY oo Aer ok Be ik aS 200 Ibs. co fdteos ees ans Honey a oo oO » per doz. 80 OZ. man’s B Cc 2 in tier aled, in b - pails oyun powder oo nest Se crap, 5 ‘ te th oer fos s Brand. 30 Ib tubs ces, 18%@ Boned, 10 Ib. box Pm Mele cece : ec a , 5e 5 76 Mw ia 90 80 lb. tu Lard 16 4@19 ib boxes _. 16 M ne, Choi .. 28@3 Ola § uch, 4 doz. 1 65 sotteee 60 Ib. bs ... : @17 eo .. F Moyune, ce... 35 2 ongs, oz. 5e 2 30 QB tubs ber 20, 1916 ’ 30 MICHIGAN TRADESMAN December 20, | SPECIAL PRICE CURRENT 15 16 17 ew Climax, 100 oval cakes 3 25 a eee — Gloss, 100 cakes, 5c sz 3 60 ‘ . 12 13 14 Magic, 3 doz. ...... - 218 =Dwinell-Wright Brands ig Master. 100 blocks 4 00 ' ei Sn oO. ------ = Naphtha, 100 cakes ..4 00 5 Sunlight, 1 dog: ----, BD Oak Lent, 200 cakes "380 | , 2 100 cakes ct BS & Mo'14 on don... 3 3 oo Fesst Foam. 1% dou 5% Gueen White, 100 cks. 3 = “To All Leaf, 24 & 7 oz. 30 Soldier Boy, 5¢ gross 5 76 Railroad, 120 cakes ..2 50 a i/o Le. 6 00 Soldier Boy, 10c va+so30 80 > >= eee ” TELFER’S 82. COFFEE Saratoga, 120 cakes ..'2 50 fe 7h |... 18 00 Sieg. Ge .....-...-.s Tb., n crate .... i : 5 la BB, 14 02. ....esese, 2400 Stag, & oz. glass “21.4 go | 250 in crate ...... 40 White Fleece, 200 che. 28000 | iki 5 04 Stas, 90c glass ...... 840 2 T., 250 in crate ...... 50 DETROIT Badger, 7 oz ce SE Soldier Boy, Le re 4 = 3 tb., 250 in crate ...... 70 Proctor .& Gamble Co. { ae Sweet Caporal, 1 oz. 5 tb., 250 1 ei... 90 Banner, 5C ...--0..00 5 76 Sweet Lotus, &c ..... & 76 n crate Lenox db Ganwer, 20e .....-..- 160 Sweet Lotus, 10c ....11 52 Wire Ena Ivory. Banner, 40c ........ _2e eweet Leten, = 4 . oe Star £ wee ose, see 1 tb., in crate ...... 35 Belwood, Mixture, 10c : Sweet Tip Top, Sc ... 50 21.’ 250 in crate 22007 5 mae an 1 bb. a neta awit & Compesy ol. Big Chief, 2% oz. .... 6 0 Sweet Tip Top, 10c .. : S 2 T., 250 tn erate ...... f5 Belle gg 1 ee ks. 27 Swift’s Pride ....... 2 86 Big Chief, 16 oz. .... 30 oe ee : yaias oon 98 5 Ib., 20 in crate ..... . 65 Bismarck, 1 =. Boy 24 White Laundry ...... 3 50 : Oe ee te Vera, 1 rso+ B “= Z Wool, 6 oz. bars ..... 3 85 Bull Durham, 10¢ ....11 52 Summer Time, 7 oz. 16 Churns Koran, 1 1b. ke eo a> Wool, 10 oz. bars ... 6 50 Bull Durham, 1l5e .... 1 . rail Time, 14 ~ 5 76 Barrel, 5 gal, each .. 240 Mosan paaerreeteraten z White House, 1 Ib. .....06 Tradesman Company + 7 e Bull Durham, 8 oz. .. 3 65 Standard, 10c paper 8 64 Barrel, 10 gal, each ..2 55 ag aig oo ag White House, 2 Ib. ....... Black Hawk, one box 8 26 : Bull Durham, 16 oz. 680 Seal N. 1% = plug = Clothes Pins Cherry Blossom Tea 37 Excelsior, Blend, 1 lb. ..... Black Hawk, five bxs 3 10 : oe ee 76 Seal N.S ae to Round Head Telfer’s Ceylon .... 40 Excelsior, Blend, 2 Ib ...... Black Hawk, ten bxs 3 00 iy Buck Horn, 10c .....11 52 Three Feathers, 0c 11 53 wh a oe ke An Briar Pipe, 5c ....... 5 76 Three Feathers, 10c 4% inch, 5 gross ...... 65 . cece cer : Three Feathers, and Cartons, No. 24, 24s, bxs. 70 AXLE GREASE Royal Blend .............. g sla tt eg a co he Ge "bo Royal High Grade ....... Sapolio, gross lots .. 9 50 Black Swan, 5c ...... 576 Tom & Jerry, 14 oz. 3 60 Egg Crates and Fillers ei —— eves a oe i Black Swan, 14 oz. .. 350 Tom & Jerry, 7 oz. .. 1 80 Huepty Dempiy. i aa perior 1 ae , ‘ + Bob White, 5c § 00 Tom & Jerry, 3 oz... 76 Boston Combination Sapolio, single boxes 2 40 aoe 5 70 kish, Patrol, 2-9 ‘5 76 No. 1 complete ....... 40 eeeee : oer Pr errtcres 39 Turkis 1 i oe 4g No. 2. complete ... 28 Sapolio, hand ........ er ee eee > noe eo ae” as Came Mo. & then, 6 Distributed by Judson sScourine, 50 cakes .. 1 80 | ee he” 30 aoe, = Oe "4 90 comic Oe eee 35 Grocer Co., Grand Rapids; Scourine, 100 cakes 3 50 ; Cigar Clip’g Johnson Tuxedo, 20c ......... Gin welice 16 oe Lee & Cady, ie tae : edu Cigar Clip’g Seymour 30 Tuxedo, 80c tins .... 7 45 , , e Cel Be Fe Guccs Anus Geourar 4 50 Identity, 3 and 16 oz. 30 [nion Leader, 5c coll 5 76 nies : ae a ; or Contin nial Cubes, i8e 30 pent a Cork lined, 8 in * 710 City Grocer Company, Bay Soap Compounds bes, We 98 pork ........-..- : oe : ore Care, 14 of, .... 255 Leader, ready Cork lined, 9 in. .... 2&0 City; Brown, Davis & Johnson’s Fine, 48 2 3 25 t 4 ‘ ast eg ce union - a4 2 bo r gross 870 Warner, Jackson; Gods- Corn Cake, 7 oz. -2 6 Me ec coos ee 152 Cork Hned. 19 in ..... } 1 tb. boxes, per gro! [S28 weak Rt “s in, or Johnson’s XXX 100 5e 4 00 Corn Cake, 5c ...... 5 76 Union Leader 50c box : 10 3 Yb. boxes, per gros ~ tocar ae _ Heh Neate na Cream, 50c pails .... 470 War Path, 5e¢ ....... 6 00 Mop Sticks i e -More ....... Cuban Star, 5c foil .. 5 76 War Path, 20c ..... - 160 trojan spring ...... 1 10 Nine O'Clock ........ 3 50 dian Cuban Star. 16 oz. sn 5 4 Wave Line, yes cee. = Eclipse patent spring 1 05 BAKING. POWDER chips, We .-..-..--- Wave Line, Oz. -.-- No. 1 common ...... Dills Best, 1% oz. .... 79 Way Up, 2% oz. .... 5 = No. 2, pat. brush hold 1 10 ~~ SALT, WASHING POWDERS. [ills Best, 3% oz. .... 77 Way Up, 16 oz. pails ; Ideal No. 7 . 1 10 10c, 4 doz. in case .... Gold Dust Dills Best, 16 oz. .... 73 Wild Prot, 6c ...... 6 0 12Ib. cotton mop @eans 1 50 15c, 4 doz. in case .. 1 35 24 large packages te ; an oe aioe cS 78 7 o “s mame % 6 25c, 4 doz. in case .. 2 25 RLVER CAKES OR HARDES CAKES OR HARDENS 100 small packages ..3 §5 ' 2 : - Be ooo sc. ; — Duke's Mixture, 10c --11 £2 yum Yum, 10c ...... 11 2 Nessede ae 50c, 2 doz. plain top 4 50 _ | ee ee ee 12 qt. Galvanized 1.1.2 7% 80c, 1 doz, plain top 6 75 Mortons ot oe & Oe. i> re. a 1 3 04 IGARS 14 qt. Galvanized :/:. 300 10 Ib. % dz., pln top 18 50 {Apply to Michigan, Wis- F F . ; ig 11 52 : nce Sente Mibre 2, 4 00 ee tT consin and Duluth, only) ‘ashi 5 a oe — Special deals quoted up- rt mote an 5 28 Dornbos Single Toothpicks . Sy af Snow Boy asnion, OZ, ssecses . uest. if Five Bros., 5¢ ...... . . — oer = : Birch, 100 packages .. 2.00 °7 Tea ae 100 = Se size 3 75 A Five Bros., Vc oe . ad Derabos, Perfectos 3300 Ideal ................ 85 K C Baking Powder is 60 pkgs., 5c size 2 40 ‘ ° a FO oo vB li 52 Dornbos, Bismarck = . Teens guaranteed to comply with TPQURS - _- ao : Four Roses, 10c ...... = fen >. Sireet ----- 35 00 Mouse, wood, 2 holes .. 22 ALL Pure Food Laws, both Nae ee ee et d Full Dress, 1% oz. = 6 3 eee 19 00 Mouse, wood, 4 holes .. 45 State and National. 20 pkgs., laundry size s¢€~ Glad a . saeeeee ce = in 900 OS -- eens 10 at. Gatrnnteed oe ‘ 4 Gold Block, © oseeee , 12 qt. Galvanized .... Naphtha Gold Star, '50c pail .. 4.60 Johnson Cigar Co.'s ong 14 qt. Galvanized .... 1 90 Reyal Morton's Salt 60 pkgs co size 2 40 } Gail & Ax Navy, 5¢ 576 Dutch Masters Club 70 00 Mouse, wood, 6 holes .. 70 SUP EP gpg a iB Ne ete oa ere “4 een ei a - = Mouse, tin, 5 holes .... 65 1@o mize .. 98 Five case lots ../)) 1 69 «(100 Pkes., Sc size ....3 75 , > : Growler, 0c ......... ute a, wiek ....;:..... weeeees D Growler, 20c ......... 15 Dutch Master Grande 65 00 it wk 75 %b cans 1 35 oon Ps Giant, = poe eee eee 5 - — — 5¢ - - 6 oz cans 1 90 SOAP oe ieeant, S0c ....-...... 3 72 OTS) ....-+60 ones 8 60 2 ~ 60 5¢ packages ...... Hand Made, 2% oz. .. 50 Gee Jay (300 lots) .. 10 00 Tubs bog ee Lautz Bros.’ & Co. iad 3% . “i Havel Nut, 6c ...... 6 00 El Portana (300 lots) 1000 No 1 Fibre ......... 16 50 [Apply to Michigan, Wis- ' ey _—: ‘ie ...: 2 a S. C. W. (300 lots) .. 1000 no 2 Fibre Ss 1 00 1% cans 4 . consin and Duluth,” only.] out tae Hunting, 5¢ .........- No T@ .....-00- 3Ib cans 18 cme, are Cio 8 19 Worden Grocer Co. Brands fae Gaivanics 8 51> cans 21 6@ Acme, 100 cakes. be sz 3 60 24 packages ......... 3 75 j IX 1. in pails ...... 3 Se Medium Galvanized .. 8 00 Acorn, 120 cakes .. 260 100 5c packages ..... 3 75 ; Kiin Dried, 25c ...... 245 Londres, 50s, wood .... 835 Gian Galvanized 2 08 Ae King Bird, 7 0z. ...... 216 Londres, 25s tins ..... s FITZPATRICK BROTHERS’ SOAP CHIPS BBLS. ¢ ; at on. 1. ee Washboards White City (Dish Washing).................. : sor1+1210 the... .>: ia Turks, Ge... 5 78 TWINE 37 Banner, Globe ...... 325 Tip Top WN, ons -chsoen ae .-250 Ibs...... ae } eee: SF ee eee ov Lee See ----ee oS me tees Bey saos 886 Ibe... PRICES + Pye Lucky Strike, 10c .... 96 Cotton, 4 ply .......... 20 Glass, Single ........ 3 60 Palm Soap 88% Dry "300 Ibs ; Le Redo, 3 oz. ...... 19 #0 Jute, 2 ply .......-. 22 Double Peerless ..... 6 00 O BIEY shew nnccd ss res bea been se o's eee ; Le Redo, 8 & 16 oz... 40 Hemp, 6 ply .......... 35 Single Peerless ...... 4 SEND FOR SAMPLES | : Myrile Navi, loe's..in 62 Plas; peti coco Norther Queen’ 00. $8 e On Myrtle Navy, 5c ..... 5 76 ce cere Goo nough .....-. ly Fi & t Cc vr Maryland Club, 5¢e .... £0 VINEGAR Universal .......;-.. 4 75 ive en eanser MayGower, Sc ........ 6 00 : Mayflower, 10c ...... 100 White Wine, 40 grain 8% wii cue Guaranteed to Equal the Best 10c Kinds > oem, = oeteee 2 = White Wine, 80 grain 11% “. ae Me er Res Oe netees OY pes eee ee oe ie ercece Niceer Hair, 10c “230 79 White Wine, 100 grain 13 se . oe Nigger Head, 5c .... 5 4 Me asco elee [ a oe ee ---- 5 es Oakland Vinegar & Pickle 80 Cans. -$2.90 Per Case 3 N Hour, GC ...ss f Ola Colony. 1-12 gro. 1152 Highland apple cider 20 : Wood Bowls SHOWS A PROFIT OF 40% : Old —. ed ene : “e 5 “4 Oakland apple cider .. 16 s im a scceuee - ld Englis rve oz. Mm. SUP .....ke aoe 609 State Seal sugar ..... * £4008 6 75 Ola [en Me .......- 252 Oakland white picklg 10 9 jn. Butter ....... 10 50 16 aso eocouoeo ca o December 20, 1916 MICHIGAN TRADESMAN BUSINESS-WANTS DEPARTMENT 31 Advertisements inserted under this head for two cents a word the first enn and one cent a word for each subsequent continuous insertion, No charge less than 25 cents. BUSINESS CHANCES. Men Wanted—tThis is intended to reach the man employed in an advanced posi- tion in a general store, department store, dry goods, or men’s clothing and furnish- ing store (all retail) that feels he has reached the limit in his present position and who knows that to secure further advancement, he must seek other fields. A well established mercantile concern, operating 125 retail stores opening 50 more next April, in middle and western states has séveral openings for good, clean, Christian men, 25 to 35 years of age, who have had well trained retail experience in selling and handling of mer- chandise. This is an exceptional oppor- tunity for a man, that can qualify, to affiliate himself with a concern that offers many advantages and whose progress will be governed only by his ability for supervising, directing and controlling a number of employees, and his capacity for doing a profitable business. Ours is not a salary proposition, we start a man on a moderate salary, advancing him as his knowledge of our methods increases; when he has qualified, he is put in charge of a store, as manager, and after proving his ability in that capacity he is given an opportunity to own an interest in a business under his management. We want men of sterling qualities, industri- ous and ambitious, possessed of no bad habits, such as: gambling, drinking or cigarette smoking and that can furnish unquestionable references. In other words, we want men only of partnership material. Your application will be con- sidered strictly confidential, as we are particularly interested in the man that is at present holding a good position. For further particulars, write J. C. Penny Company, 354 Fourth Avenue, New York City. 702 For Sale—Furniture and undertaking business in good Southern Michigan town. Invoice about $5,000. Doing a paying business. Building can be rented. Very good location. Present owner does not care for undertaking business. Address No. 695, care Michigan Tradesman. 695 For Sale—Grocery and residence. Good location for general store. Address Box 507, St. Paul, Kansas. 696 For Sale At a Bargain—125 feet of shelving, one modern 8-ft. candy case; one 12-ft. table; two 10-ft. tables; one 9-ft. table. These fixtures are all nearly new and are painted red, and exactly what is being used in the up-to-date 5 and 10 cent stores. For prices, address Rowe & Beebe Department Store, Port- land, Indiana. 697 Wanted—Will pay cash for a going re- tail hardware business in a small, live town. Give full particulars, including amount invested and volume of business. Address No. 698, care Tradesman. 698 Commission Salesmen—We wish to correspond with salesmen calling on hardware jobbers, wholesalers, and large department stores. You can increase your income by getting orders on our fibre chair seats as a side line. We pay liberal commission. The United Chair Seat & Novelty Co., No. 61 East 10th St., New York City. 700 Business Chance—Will sell right, might take part trade, general dry goods, cloth- ing, shoes, hats, furnishings and notions. $12.000 stock. Live paying business. Good town. Owner retiring. E. F. Payne, Aurora. Missouri. 704 Excellent Opening—For a bazaar, furni- ture and undertaking business. new two-story brick building, 29144 feet by 80 feet. Wired completely for electricity; basement and first floor heated by a fur- nace. A 50-barrel cistern for soft water in basement. The entrance to the base- ment is level with the surface of the ground, This building is centrally located on the main street. Parties interested phone or write Frank Weber or Roy T. Weber, Saranac, Michigan. 703 Simplify Your Book-keeping—Bern- hardt’s date number index system enables you to keep track or your debts, stock and bills; instantly recognize your slow moving stock from your quick sellers Tell when you bought it. on what bill number and what you paid for it, by a glance at the index number and code on the stock. Price 50c. M. Bernhardt, 31 Curtis Pl., New Brighton, N. Y. 679 Business Opportunity—Excellent loca- tion in small town, near Cedar Rapids, Iowa, for good general store, combined with postoffice, telephone exchange and possibly new bank. Address, Bolton & Co., Cedar Rapids, Iowa. 686 For Sale—Established dry goods and ladies’ ready-to-wear business. Clean up- to-date stock of about $18,000. Best lo- cation in lively Central Michigan city of 10,000. Business satrsfactory but owner must retire because of ill health . Write for particulars. Address No. 688, care Michigan Tradesman. 688 ' Wanted—Set of cash ‘carriers of four stations. Address U. S. Glue Company Store, Otjen, Wisconsin. 689 For Rent—Store building at Wyman now occupied by general stock doing lu- crative business. Cream station and post- office goes with store. Rent only $15 per month. R. K. Finch & Son, 211 East Delaware St., Grand Rapids. 681 WANTED SHOE STOCK—Will trade vaudeville and picture show for stock of shoes. S, A. Miller, Keokuk, Iowa. 680 FOR RENT AT GARY, INDIANA— Where the U. S. Steel Company employes about 17,000 men and where they will ultimately employ 45,000 men, a_ store room, brick building 4,500 square feet of floor space, display windows on Broadway and Seventh Ave., best retail shopping center. An excellent opportunity. For complete information address Harry Hall, 17 E. Sixth Ave., Gary, Idaina. 682 Buy old false teeth, make money; any locality; great demand; 200 per cent. profit; new business. Not overdone. In- structions 25c, F. Dean, 67 A. Orange, Massachusetts. 83 Partner Wanted—An experienced and up-to-date partner with $6,000 to $7,000 to invest for half share in a good up-to- date dry goods and furnishings store in the best and most prosperous town in Upper Peninsula. Anyone interested, write at once. Parener, care Michigan Tradesman. 68 Will Sell Or Trade—For stock of gro- ceries or hardware, a small farm with plenty of fruit near town in Western Michigan. Address Fruit Farm, care Michigan Tradesman. 690 For Sale—Stock of dry goods, carpets, shoes, ladies’ cloaks and men’s furnish- ings. Invoice about $12,000 in county seat of Livingston county. Good chance if taken at once. Goodnow & Gartrell, Howell, Michigan. 692 Special For Rent—Two single stores adjoining, size 20x60 each, basements same size. Location on prominent side street 125 feet from main business street. Demand here for large grocery and mar- ket; also hardware and general store. Address §. P. Lantz, 428 Michigan Ave., W., Lansing, Michigan. 693 Collections—List your unpaid accounts, notes and claims with us; collections everywhere by bonded representatives; no collection, no pay. Allen Mercantile Serv- ice, 518 Rialto Bldg., Kansas City, ow Mr. Merchant: Do you want to sell your stock? Do you need money? Do you want a partner? Do you want to dissolve partnership? Do you want to increase the volume of business? Do you want to cut your overhead expense? Do you want to collect your out- standing accounts? If you are interested in any of the above questions, write, wire or phone us for free information at our expense without obligating yourself in any way. YNCH BROS., Business Doctors. 28 So. lonia Ave., Grand Rapids, Mich. For Sale—Very live and progressive de- partment store in a good city of 65,000 doing an annual business of $60,000. All clean staple merchandise, no dead stock. This store is making money for the owners, but owing to disagreement store must be sold. Present stock about $30,000 but can reduce to suit purchaser. Ad- dress No. 566, care Michigan ———— For Sale—Cheap if sold at once, Stevens No. 12 refrigerator, 74%x10x10 ft. high. Cannot tell it from new. Lock Box 1!03, Thompsonville, Michigan. 643 Cash Buyers of clothing, shoes, dry goods and furnishings. Parts or entire stocks. H. Price, 194 Forrest Ave. East, Detroit. 678 For Sale—Only steam laundry in city of 5,000. Well equipped and doing a good paying business. Steam Laundry, Beld- ing, Michigan. 666 Stores and Business Places—Bought, sold and exchanged. No matter where located I bring buyers and sellers _to- gether. If you want to buy, sell or trade any kind of business or property, any- where at any price, write me. Escub- lished 1881. Bank reference. Address Frank P. Cleveland, 1609 Adams Express Bldg., Chicago. 655 For Sale Or Rent—Good store building with living rooms above. Barn in rear. Well located on Main street, Kent City. A good live town. Excellent opportunity for general store, hardware or furniture and undertaker. B. N. Keister, Bell Phone 87, Sparta, Michigan. 676 For Sale—An unusual opportunity to purchase an old established undertaking and picture framing business in best city of 5,000 in Southwestern Michigan. Coun- ty seat. This business is in first-class shape and equipment is of the highest class. One competitor. Best location, cheap rent. Address No. 665, care Trades- man. 665 CASH REGISTERS—We buy, sell and exchange all makes of registers, also re- pair, re-build and refinish all makes. Let us quote you price from Vogt-Bricker Sales Co., 211 Germania Ave., Saginaw, Michigan. 64 General Merchandise Auctioneer—Ten years success closing out and reducing stocks. Reference any reliable merchant in Cadillac. Address W. E. Brown, Cad- illac, Michigan. 530 Auctioneers make $10 to $50 per day. How would you like to be one of them. Write to-day. Big free catalogue. Mis- souri Auction School. Largest in the world. Kansas City, Missouri. 624 For Sale— Stock and fixtures Williams Grocery Company, Big Rapids, Michigan. Apply H. T. Stanton, 18 Mar- ket Avenue, N. W., Grand Rapids, rach 1 of the For Sale—Stock of hardware and imple- ments, inventories about $4,500. Only stock in town of 500 population in good farming community. For particulars, write C. A. Stockmeyer, Caseville, Mich. 672 For Sale Or Rent—New corner store building in one of the best towns in Southern Michigan. Modern front, fine location, excellent opportunity for dry goods or general store. Wood & Wood- ruff, Athens, Michigan. 601 Cash must accompany all orders. Business Chance—Fine location center of village of Wayland, Michigan. Store building and small general stock. Lot 100 by 200 feet on Main street. Large barn and warehouse. Unsurpassed loca- tion for general store, implements and garage combined. Property forced on us and we cannot hold same long. Will go at a bargain. Cash or will trade for improved property in Grand Rapids. Ad- dress Commercial Savings Bank, Grand Rapids, Michigan. 674 For Sale—General merchandise stock of goods located in a good farming town in Central Michigan. Some one can get a bargain by writing to No. 675, care Michigan Tradesman. 675 For Sale—Complete set of fixtures for grocery and meat market in small town. Price $400. Would cost $800 new. Box 114, Boyne Falls, Michigan. 667 Merchants Please Take Notice! We have clients of grocery stocks, general stocks, dry goods stocks, hardware stocks, drug stocks. We have on our list also a few good farms to exchange for such stocks. Also city property. If you wish to sell or exchange your business write us. G. R. Business Exchange, 540 House- man Bldg., Grand Rapids, Mich. 859 Stocks Wanted—Write me if you want to sell or buy grocery or general stock. E. Kruisenga, 44-54 Ellsworth Ave., Grand Rapids, Michigan. 304 The Merchants ‘Auction ‘Ca, " Baraboo, Wisconsin. The most reliable sales con- cern for closing out, reducing or stimu- lation. Write for information. 585 Safes OueneasWe L. Slocum, safe ex- pert and locksmith. 128 Ann St., N. E., Grand Rapids, Michigan. 104 Will pay cash for whole | or part stocks of merchandise. Louis Levinsohn, Sag- inaw, Michigan. 75 HELP WANTED. Wanted At Onee—Clerk for general store in country. Must be good worker and have had some previous experience. Desmond Charcoal & Chemical Co., T hompsonv ille, _Mic higan, 699 Wanted a once. Experienced meat cutter and sausage maker. E. D. Hughes, Pentwater, Michigan. 640 Wanted—Girls and "Women. ~ Steady work; $1 a day to beginners with ad- vancement. Room and board with all modern conveniences, including the use of the laundry, at the company’s board- ing house at $3 a week. For information write Western Knitting Mills, Rochester, Michigan. 502 Valley City Bobs Bobs, finished and painted (no body) 30-32 IONIA AVENUE Bodies now in use can be «hanged to these Bobs and you have a tirst-class sleigh. SHERWOOD HALL CO., Ltd. Pe 6 le Ser te a ee, 18.00 Pe... ios 21.00 GRAND RAPIDS, MICH. ‘The End of Fire Waste’’ COMPLETE APPROVED Automatic Sprinkler Systems Phoenix Sprinkler & Heating Co. Grand Rapids, Mich 115 Campau Ave. Installed by Estimates Free Detroit, Mich 909 Hammond Bldg Use Tradesman Coupons MICHIGAN TRADESMAN December 20, 1916 THAT JOKER AGAIN. Insurance Commissioner Winship Holds It Is Illegal. In the Tradesman of Dec. 6 ex- tended reference was made to the joker which some insurance agents are now using on the riders they are attaching to the policies on country store risks, as follows: It is further provided that this policy shall be void if there be now or shall hereafter be procured any other insurance upon said property not permitted in writing hereon, and in event of such permission the total in- surance on said property is hereby limited to three-fourths of its actual cash value and is required to be con- current herewith. This matter was brought to the at- tention of the Tradesman on inspect- ing some policies issued to the Towner Co., Ltd., of Byron Center, by the Grand Rapids Insurance Agency. On bringing the matter to the attention of the State Insurance Commissioner, that gentleman wrote the Tradesman under date of Dec. 14, as follows: “Upon my return from New York, I find your letter of Dec. 12, with en- closure of copy of form the Grand Rapids Insurance Agency is using on country store risks, and I am writing the Agency that it must destroy these forms, as they are not filed with this Department, and this Department would not permit the filing of the form, because it is dis- criminatory. “T shall say to the agency that it must take these forms off of its risks or the company will be held liable for violating the anti-discrimination art” Mr. Winship subsequently wrote the Tradesman under date of Dec. 18, as follows: “IT beg to inform you that I have a letter from the Grand Rapids In- surance Agency, in which the follow- ing occurs: “We have for acknowledgment your letter of yesterday, in reference to a certain clause which voids the policy if other insurance is procured with- out -permiss‘on. Replying thereto, please be advised that we took steps a week or more ago to endorse all the policies bearing this form, per- mitting other concurrent insurance. We fully agree with you in your con- tention regarding this matter, We are however, inclined to challenge your statement that this permit is a violation of the law of the State. So far as we can see, it is substantially nothing more nor less than a repeti- tion of one of the clauses in the Michigan Standard Policy.” “T have written the agency that in my opinion, it is a violation of the Anti-Discrimination Law, in that it discriminates unfairly against store- keepers in what are known as sixth class or unprotected towns. Without regard to the provisions of the Mich- igan Standard Policy, if it is a viola- tion of the Anti-Discrimination Law, it cannot be permitted. I have writ- ten the same to the Michigan Inspec- tion Bureau, and you may be assured that the objectionable form will be withdrawn.” On seeking the origin of the joker, the Tradesman discovered that it originated with the insurance com- panies themselves. It is furnished by the Uniform Printing & Supply Co., of Chicago, which is the official print- ing establishment of the fire insurance companies. It is learned that thou- sands of these forms have been fur- nished Michigan insurance agents, which means, of course, that thou- sands of policies which have been written on Michigan retail stocks are null and void, except so far as the companies may see fit, under certain circumstances, to, repudiate or over- look the sneaking paragraph they have introduced in their policies, without the knowledge or consent of the In- surance Commissioner. If men in any other line of business resorted to such a contemptible trick, they would be held up to public scorn and execration, but insurance officials are such models of virtue and recti- tude that they will probably succeed in keeping out of jail and continue teaching their Sunday school classes the tenets of absolute honesty. In the meantime merchants who have policies containing .this para- graph better get busy and use a meat axe on the local agent who perpe- trated the fraud by accepting money for a useless piece of paper. —_——_22. > Good Bye, Shaw! W. B. Shaw, the local representa- tive of the Western Adjustment and Inspection Co., has been transferred to Cleveland, where his transcendent genius as a mess maker may not find full play, It is understood that he will be relegated to an obscure office po- sition where he will not meet people who expect to be treated as gentle- men. Grand: Rapids and Western Michigan can spare him without put- ting crape on the sleeve. Shaw’s successor is J. C. Reilly, who has been connected with the Chi- . cago office of the adjustment concern for several years. It is to be hoped that Mr. Reilly will not use the un- pleasant weapons which Shaw made so obnoxious during his career here. ——_2-~>—___ Eggs, Poultry, Beans and Potatoes. Buffalo, Dec. 20—Creamery butter, extras, 40c; first 383@39c; common, 36@37c; dairy, common to choice, 32 (a38c; poor to common, all kinds, 25 @29c. Butter, Beans—Medium, $6.50, pea, $6.50, Red Kidney, $7.25@7.50; White Kid- ney $7.25; Marrow, $7.50@7.75. Cheese—No. 1 new, 23@23'%c; choice, 23c. Eggs—Choice, new laid, 48@50c; fancy hennery, 50@55c; storage can- dled, 33@35c. Poultry (live)—Fowls, 16@20c; springs, 16@21c; old cox, 13@14c; ducks, 18@20c; geese, 17@18c; turks, 25\@28c. Dressed Poultry—Turks, per Ib. 30 (233c; ducks, 20@24c; geese, 20@22c; chicks, 18@25c; fowl, 18@22c. Potatoes—$1.70@1.80 per bu. Rea & Witzig. —_++.+___ All of the assets of the Connine es- tate, including general stocks and store buildings at Wexford and Inter- lochen, and the bank fixtures and bank building at Wexford, were pur- chased by Thomas Welch Monday for $13,253.55. These properties were ap- praised at $34,500. As the stores have been conducted at a heavy loss under the management of the trustee, the creditors will receive only about 10 cents on the dollar. Late News From Michigan Banks. Niles—Snell & Co., who have con- ducted a private bank here for the last fifteen years, have filed articles to incorporate as a State bank with a capital stock of $75,000. There will be no change in the management of the institution, but the name will be changed to Newman & Snell’s State Bank. W. W. Newman has been the active head of the bank and Richard Snell a Clinton, Ill, capitalist, has been associate member of the firm. Redford—The Peoples State Bank of Redford has increased its capital stock from $25,000 to $50,000. Saginaw — The Saginaw Valley Trust Co. has increased its capital stock from $150,000 to $200,000. Pontiac—The capital stock of the Oakland County Savings Bank has been increased from $50,000 to $100,- 000. Buchanan — The Buchanan State Bank has been incorporated, with an authorized capital stock of $40,000. Hudsonville—The Hudsonville State Bank closed its fifth year by paying a 10 per cent. dividend and passing $3,000 to the surplus account, which is now $5,000. The deposits are now $222,000. Mesick—Alvah D. Crimmins, for the past nine years Cashier and man- aging director and part owner of the Bank of Mesick, has acquired a sub- stantial interest in the Charlevoix State Savings Bank and has been elected Cashier to succeed W. J. Rachow, who has removed to Saginaw to become identified with the Saginaw Valley Trust Co. Eleven years ago Mr. Crimmins started in the banking business with Mr. Rachow, and spent two years with him as Assistant Cashier at Copemish. Mr. Crimmins is a successful and capable banker. Detroit—The Federal State Bank has opened a new branch called the Michigan-Tarnow branch, at 2184 Michigan avenue. Although the doors were only opened last Monday, it is already apparent that the new branch will be one of the most successful the Bank has established. The first day hundreds of new accounts were open- ed and there has been a steady stream of depositors in the Bank during the entire week. Bay City—The United States Su- preme Court has advanced for early hearing the case of the First National Bank of Bay City vs. Attorney-Gen- eral Grant Fellows. The case involves the provision of the Federal reserve bank act which empowers certain banks to act as administrators, ex- ecutors, trustees and registrars. The case is important for the reason that it is made the first involving the Fed- eral reserve act to be heard by th2 United States Supreme Court. Saginaw—Directors of the Saginaw Valley Trust Company have elected George Alderton President. The fol- lowing officers were also named: Vice-Presidents, W. J. Orr, S. E. Sy- mons, and E. L. Beach; Treasurer, W. B. Baum; Secretary and general man- ager, W. J. Rashow. Every director was present at the meeting and all expressed confidence in the outlook for the new company here. It was announced that the company will open for business Wednesday, Jan. 3. The office is fully equipped and ready to handle all branches of the business. ——_+-. THE GREAT SACRIFICE. Thirty-six times the cost of the Panama Canal, such is the war bill of France to date, the estimate for the first three months of next year being included in it. The figures are those of a French statesman, an authority, who was presenting them before the Chamber of Deputies of his nation, and who gave the total as more than fourteen billion dollars. And _ this was for France alone. Great Britain’s expeditures he gave as four billion greater, and Germany and Austria, Russia and Italy have all spent in proportion, and in addition there are the five lesser nations engaged, and Turkey a power with respect to popu- lation and area, but weak in financial ability. It is perhaps impossible to grasp the real significance of such expenditures. For that sum France could have built 175 canals like the Suez, counting that waterway at its original cost. total of the United Kingdom is al- most forty times the gold production of the world; twenty-five times all the appropriations of a session of the American Congress. What results such mighty sums could produce if devoted to such a work as education, or the civilization of pagan millions, or to public works in various parts of the world! Yet while the result immediately aimed at is destruction, it must be remembered that these colossal sums do not represent selfish waste on the part of the people of the several nations involved. In fact, it is just the opposite, and tremendous sacrifices of self, and heroic endur- ance are told. They form a mighty testimonial to the power of the spirit of national patriotism just as does the other stupendous and sadder total of those who have gone down in death or undergone the pain of wounds. Peoples who have made such sacri- fices will be jealous of the results, will be steadfast to see that what they have given shall not be made vain by too great haste to escape further suffering. _——2o2->____ Other things are as scarce as the teeth of a hen—a rooster’s, for instance. BUSINESS CHANCES. Opportunity Of a Lifetime—Have made nearly $18,000 in about 2% years, but owing to the fact that I am going into the wholesale business will sell my stock consisting of dry goods, men’s and wom- ens’ clothing, furnishings, etc. Will in- voice $16,000 to $18,000 . Stock and busi- ness will stand strictest investigation. My business in 1915 nearly $40,000. Rent $75 per month, long lease. Will make right price to the right party. Address No. 635, care Michigan Tradesman. 635 For Sale—Grocery stock located in Flint. Inventory about $2,500, doing a business of $100 per day. One of the best locations in the city. Long lease on building for less than half what the building would rent for. This is the best chance in the State for making money. If you haven’t the money don’t answer. Address Thomas Dickeson, c-o Crystal Hotel, Flint, Mich. 704 a WM. D. BATT HIDES, WOOL, FURS AND TALLOW ‘ 28-30 LOUIS ST. GRAND RAPIDS MICHIGAN The. . —a a 4