15, 1927 THE MOUNT JOY BULLETIN, MOUNT JOY, LANCASTER CO., PA. He replied: “Cause I heard Pa telling nurse last night that you swallow everything. What we ‘want to know is: Who takes care of the lawn mowers for Scotland Yard? Included in the final examination questions in our local schools was this one: What makes petrified trees? A Freshman paper was turned in with this answer upon it: "Tis said the wind makes them rock. While in York last week I saw a sign in a restaurant, “Ladies Served Here.” I went in and ordered a snappy blonde. They threw out. I wonder why. The new eternal triangle. Small boy-dog-tin can. When curves become circles a woman is no longer attractive. Several days ago I heard a boy smi of about ten Summers ask his During the rainy spell we had father this question: not long ago I was walking uptown “Pop what becomes of your lap |back of a young married couple. pi you stand up?” Soon I heard the young man say, After hesitating a moment Dad |“Would you like to have a one-eyed replied: “Well son it retires to the husband?” To which the wife re- rear and pops up under an assumed [plied, “Certainly not.” “Then let name,” me carry the umbrella,” begged the husband. A certain little fellow at Florin said to his mother: “You've got an awfully big mouth, haven't you ma?” She said: “Why no my dear, I don’t think so. Why do you ask?” Some people are lazy but one of our young bloods has them all beat. He's so lazy that when he acci- dently shoved a book off the table he dropped three more so it would | 'be worth while picking the first one up. We understand there was a bill “Hoddy” Mumma said that he saw such a good show at Harris- burg last week that they had to lower the curtain every ten minutes give the audience a chance to me | {before Congress to make New York’s East Side apart of the {United States. rt While at Lancaster yesterday 1 | : : saw a Crow people looking in a | The park hounds were discussing SAW a crowd of peo] : ng 2 the return of Lindbergs and one window. I could not get near so remarked, “When he arrived home, asked another fellow what It was he Tell on hid face and. Kissed the all about. He told me that there Ne alt of Th antive city. | Was a salesman introducing water- “Banas oll,” came erie of pro- proof wrist watches for those who Lost rom another hod: “No. ban dip doughnuts in their coffee. Sure, s z . ought one. ana peel,” replied the orator. I bought or wink. | T hi lauir i the One of our local business men po ww ne ) Wo urchins were playmg in the into an out of town office {street and I heard one of them €X- | building last week and saw a num- press his desire to see a fish CIV. her of women scrubbing the floors. | Don’t be a dumb bell, fish don't|ge remarked to the supervisor, ery,” said his playmate. But the “My, but you have a lot of women |second little dumb bell insisted that washing the floors. ih vour build: they do because his Dad said he “Yes” said the supervisor |saw some whales blubber. “That's the scrub team.” 2H J en Most of our young males are just like a piece of lace. You usually find them running around skirts. Say, if a baby awk flies toward the mother awk, does he fly awk- wardly? the office last noticed he had two I asked him how he and he replied, “I got Christmas.” A man came into week and I black eyes. got them socks for Some of our local citizens think they are musicians just because they have drums in their ears. so dumb rollers are I know a girl that is that she thinks steam used to roll steam. Just then another fellow came in with his eyes blackened. I asked, “Who gave you those black eyes?” “Nobody gave them to me,” he re- plied, “I had to fight for them.” A customer asked Jim Krall what limburger cheese was made out of QOOOOOOOOOOOOOOOOOOOOOO0 i or E. Main & Marietta Sts. ) (EG |) SI () "a BOOTH'S QUALITY MERCHANDISE 0g ‘MOUNT JoY, PENNA. o We have the biggest, newest, cleanest stock of Fi item offers you exceptional savings. The merch Beautiful Fast Color Flaxons ... ... 39¢ yard 39 to 40 inches wide, fine quality Flaxon, fast color, neat designs, on white or colored grounds. Silk Mixed Printed Crepe Fast Color yd §9¢ 36 in. wide, fine quality, fast color, sheer weight, has the appearance of All Silk Crepe. Radioux Chiffon ................... ..... yard 79¢ 36 in. wide, fast color, the best in Rayon weaves. This cloth is one of the fastest sellers in the Rayon line. The patterns are the newest of the season, together with the neatest checks you have ever seen. All Silk Flat Crepe 39 to 40 in. wide, this crepe is the biggest seller in the better silk line. Guaranteed washable, the quality of the best. Colors are white, pink, light tan, navy, and black. he yard $1.95 Everyone knows that this cloth is beyond compare when it comes to a fast color print for dresses and children’s garments. The cloth is woven of the best combed yarns, and the patterns are the most desirable. We have always enjoyed a good sale of Fasheen and would be pleased to show you our line. 051 HED EI GE» ( ne Merchandise ever shown in our store. andise we buy is bought with the thought Fast Color Voiles 39 to 40 inches wide, made by the makers o fast Ginghams. The newest patterns on white ored grounds. Elegant quality. “Gaze Marvel” Rayon Tissue 32 in. fine sheer woven Tissue, small patterns and bright Rayon de- signs. Guaranteed Fast Colors. DAL INH NV Lo Normandy Voiles ....... 39 in. dot Voiles, always in demand be & fine quality of the Voile and the neat pattefi Imported English Broadcloth 36 in. wide. Broadcloth in plain colors pH one of the season’s most popular sellers. found iceable fabric cannot be mises to be more serv- especial for shirts, dresses, underwear and pajamas. Windsor Washenrede Crepe, 32 in § Just what the name implies—a really yd 25¢ Bn ky Crepe, ready for making into the prettiest undert able. Colored Dress Linens Thoroughly shrunk Linens are again for Ladies’ dresses and Children’s suits. YOU BUY AT BOOTHS. 56 in Soft Finish Longeloth .............. yard 18¢ Fast Color Peregle ..................... yard 25¢ Part Linen: Toweling -..... .. ooo, yard 10¢ All Linen Toweling vard 18¢, 24¢ 81x00 Sheets: ies. von vs net sity each $1.00 96 inch Lingerie Fabrics yard 25¢ STANDARD MERCHANDISE-THE KIND THAT YOU ARE ALWAYS IS THE BACKBONE OF QUR BUSINESS-THERE IS NO GUESS WOR Tu Our Department of Staple Dry Goods—the Kind That Sells Every Day—is Always You the Best in Fine Merchandise. Slimmeryette A cloth for slips that will not cling. VISIT OUR Hosiery and Underwear Department A Complete Selection of the Finest Makes Awaits Your Choice E. Main {& Marietta Sis. & 8 & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & 8 & & & & & & & & & & & & & & & : & & & g Booth’s Quality Merchandise MOUNT JOY, PA. mga COCOOOOOCOOOOOOCOOOOOO0 LOCATING THE FINANCIAL LEAKS THAT TAKE THE PROFITS OUT OF FARMING By DAN H. OTIS Director Agricultural Commission, American Bankers Association JRDURTRIAL lines suffer because of inefficient firms, whose officers cling to old methods and place goods on the market, even at a loss, to compete with the more efficient institutions. Agriculture, too, has this problem to face. We find farmers who fight new methods. They retard the prosperity of other farmers by throwing on the market poor quality products, frequently produced at a loss. The nature of the banker's business places him in a position to help this type of farmer as well as the more progressive farmer. At the same time the banker can assure himself of good loans based on the farm as a going concern. A study of the investments, sources of in- come and expenses of the successful farm- ers in his community will give the banker a measuring stick by which to gage the haz- ard entailed in furnishing loans to other farmers. This study is rcadily accomplished through the use of summaries of farm rec- ords. In the absence of good records, survey D.H.OTIS blanks which can be obtained from the agri- cultural colleges, may be used for collecting the information. A banker in a dairy district would use data similar to | Farmer A’s summary in the following table as a measuring stick to judge the condition of Farmer B: Farmer Farmer A B $2,214 1,079 $1,135 989 Farm Farm receipts ...... . EXPENSES. . $5,465 2,122 Rec’'pts above expenses $3,343 Interest on total invest- ment @ 5 per cent.. 1,070 Net income after de- ducting interest...... $2,273 ACIS 127 Total investment...... $21,400 Operating capital (ma- chinery, 1i v e stock, $146 130 $19,773 equipment) .e Number of cOwS........ Investment in cows.... 5,862 4,473 18 11 $2,302 $1,205 The’ total investment of Farmer A is moderate with a large percentage (27 per cent) of operating or working capital. Farmer B is low in operating capital. The number of cows is also low, which is reflected in the farm receipts, these being $3,251 less than those of Farmer A. The expenses of Farmer B, although about one-half of those of Farmer A, are, nevertheless, high in the ratio to receipts. The only way to safeguard a loan to Farmer B is to consider assets and not income. Before any loan should be considered at all the banker and the farmer should go over the situa- tion, uncover the leaks and outline a definite program of improvement. Diversity of Business Good Sign sity of income. Notice that the lead: ing source of income, dairy products, total income. The various enterprises that make up Farmer B's diversity of business all show marked decreased income. Quality of Business Shows Leaks Farmer A $130 Farmer B Receipts per cow..... $68 Receipts per livestock units other than 32 Under the heading, “Quality of cows are bringing in $62 less per year than Farmer A’s. The $68 a year which they are producing is undoubtedly be- low the cost of feed and keep. The income per live-stock unit is still worse, and while this farm needs more cows to increase its volume of business, it would be financial suicide to invest in the same type of cow. This poor farmer must weed out his poor cows and feed the balance pro perly to get results before money is loaned to him to increase his herd with good stock. An analysis of the farmer's records will bring out many other leaks which the farmer may not have noticed. He may be paying high prices for feed when less money spent for fertilizers and lime may enable him to raise the right kind of feed on his own farm and stop this drain on his pocket book. Barring temporary emergencies, farm loans handled on the basis of income, indicating a geing concern, would hasten tremendously the day of a permanent and prosperous agri culture. Farmer Farmer A $1,476 $851 2,343 752 Income from crops. .. From dairy products.. Sale of livestock cluding ventory) Miscellaneous (in- increased in- 1,68 280 | income. 32 181 | | A good diversity of income serves to protect the farmer against years of over-production of any one farm product. Farmer A has a good diver- {iY WIDOWS ARE THE SPECIAL PREY OF CONFIDENCE HEN By W. R. MOREHOUSE Public Relations Commission, OMEN are often easy victims for the high-pressure pro- moter. Widows are especially sought out by the con- fidence men. Even before their deceased husbands, protectors and counselors are buried the wolves of . high finance are waiting outside their doors. : They know the defenseless widows will be easy prey. Many a woman today is penni- less as a result of making poor investments. “Getting rich quick” for the widow without investment experience is in reality getting poor quick. Once a sharp promoter gets the confidence of a rich widow he has a “Bonanza’ as he calls it. Eventually he gets the estate and the widow gets the ex- perience. Widows with estates should be on guard every minute. They are marked persons, with promotion crooks hot on their trail. The best thing that every woman in vestor can do is to consult her banker before investing. Properly cut and set, crystals sparkle ir realistic imitation of diamonds. The same is true in the field of finance. There is that which is fraudulent parading as the genuine. Don’t buy in vestments simply because they sparkle. In the realm of wild cat financing, fictitious credentials, testimonials, and refer ces are employed to give setting and ¢ renuine appearance. Some are such | is the seller so eager to part with hi: rank imitations that they are easily | property, even to the extent of making -ecognized, but others defy detection | j easy for a mew owner to farm it? xcept on the closest investigation bY The answer is that the land is no in expert. The only safe procedure 13! worth the selling price, nor will the o investigate under competent advice. | Re 5 re La Literally millions of dollars are lost | profits derived from it be anywher o American savers annually as the Dear as large as promised. yutcome of buying into something—a | farm promotion, a business | American Bankers Association VR REHQUSE 7 MO Buying into the fox business, tl} poultry business daly | | | | | | | | | ALL | teacher {day if he k {OUT | did because { family constitutes less than one-half of the | Business,” Farmer B shows that his | HOSPITAL ABSORBEN COTTON # is highly absog e otton that nt. A long © There are many uses that it is @ buy the one- Bn Have ge noticed the you evs #f' on a piece of coal? & You’ll find he a silent i rhe historic coal came. Think of #8 centuries of sunshine fresh air that must have absorbed by these before they were I buried! That coal we you: wood® mixed with centratedg@sunshine and gen, pressed for ands of @ears! sometimes, + of the pre- from which offer con- 0Xy- thous- der it burns so well. ay forigood, clean coal Dae M. Wolgemuth 151R4 174R6 FLORIN. PA. { him if he m { yr a job that is nothing more or less ‘han a set-up to catch suckers. Often the savings of a ure lost by buying ‘arm lands with the ng that the seller, .ompany promoted by him, will plant the farm to trees or Vines, .are for them, market the crop and lifetime understand- or a service turn the profits, which, it is promised, | But ! will be big, over to the owaer. his dream never comes true. The so-called guaranteed big profits are never realized. If people would only stop loug enough to consider all an- gles of an offer like that vesting they would see the plunging blindly tion. Let them this «ne question seh big profits are folly oft themselves only ‘If it is true that to be made, why ask and Jim replied, “Out of doors.” There are so many women who mind wash day and I always won- | | dered | them why so I asked one of and she told me that she minds it because it always produces a shrinking sensation. Don t laugh! marriage is grabs You know, modern just like a cafeteria. A man what looks nice, and pays i later. unimproved | before in-| into such a proposi- | { or any kind of business is sky ur you deal with reliabl whose word is as good the seller who is ins | a sale upon you. L.ok tion from ev angle. he makes glowi: promises 1S no as that he not tl world exaggerator. Extravaga and exaggerat aims are the ear marks of the investment. 1 you want to go into farming or bu) into a business, investigate before you invest. Write to the National Bette Business. Bu 1, New York, or con sult your local banker. If they are without information on your proposed investment, wait until they can get the facts and report to They have ns interest at except to | forestall crooked games. | | | sid tent in forcin at Lis Just propos becaus surance : champion is tae £al: lage you. stake A Want a Nice Business account I now On owner, property, and tobacco store of the late Harr: E. Klugh. on East Main St., Moun | Joy for sale. House has all con veniences and will give possessior any time, Call, phone or write J have the fine brick of ill health of the confectionery and ciga: t E. Schroll, Mt, Joy, Pa. tf for it | | Damson plums originated in the A WISE OWL [city of Damascus before 600 B. C. THERE'S @NE IN STOCK FOR TO & APPRECIATE. The asked little Larry the other fe what a FALLING ind Larry said that he ve one in oul Teacher asked int that his father and getting along all r are, but Daddy’s You'll appreciate their road ten- mileage contri- meant, § have right . “Sure BAI Young Tire Stores 130 Main Stree: MOUNT JOY, PA. Ngrth Prince Street LANCASTER. PA. 11 MAGAZINES Of All Kinds CIGARY), CIGARETTES, AND RESTAUR 48 East Main S