216 



THE GARDEN MAGAZINE 



December, 1912 



THE 



Business Almanac 



AND 



INVESTORS' GUIDE 

 For 1913 



Compiled by 



HARRY E. MAULE 



AND 



J. R. MERRIAM 



"T^HE BUSINESS ALMANAC" for 1912 had an unqualified 

 success. For 1913 it is brought up to date, revised and 

 enlarged to meet the heavier demand of the investing public. 

 Facts and information every business man must have ready 

 to lay his hands on, are brought together here. The book 

 is full of explanations of the fundamentals of investment, so 

 little understood by those seasoned in the practices of putting- 

 money out on interest, and of which the inexperienced investor 

 knows nothing. The following gives some idea of the contents: 



A Financial Calendar. 



A Glossary of Technical Terms. 



A Primer for Investors; Classification 

 of Investments; various types, 

 bonds, stocks, mortgages. 



General Points on Investment. 



Some Intimate Investment Points. 



Dividend Table, showing rate of divi- 

 dend paid by the leading securities. 



What the Public Utility Commission- 

 ers are doing. 



Insurance Stock as an Investment. 



Insurance for Every Need. 

 High Cost of Living and Price of Bonds. 

 Technicalities Every Man Ought to Know. 

 Investment Bankers' Association. 

 How Money is Lost by Lying Idle. 

 General Statistics, Wall Street Records, 



Crop Records, Bank Records. 

 Postal Rates. 

 Population Tables. 

 History of a Decade. 

 Service Coupons. 

 Record Blanks for Investments. 



Taper, 25 Cents. Cloth, JVet, SO Cents 



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grew for two years and were then lifted and divided 

 and set out two feet apart in the row. 



The seed was gathered here and there — not 

 purchased — and an interesting variety was secured 

 from a comparatively small number of seed pods. 



Conn. Mary C. Cone. 



"When Doctors Differ- -" 



IT happens sometimes in our efforts to instruct 

 our readers on debatable subjects that we touch 

 upon points surrounded by a division of opinion, but 

 not often do we meet with such positive and con- 

 flicting opinions as these, which actually reached us 

 by the same mail. To put the worst side first: 

 To the Editors: 



The Garden Magazine continues to be as 

 excellent as ever, yet its usual accuracy has 

 been done violence to, it seems to me, by the 

 article on "How to Buy Nursery Stock," in the 

 October number. 



Mr. Kruhm makes several statements that are 

 open to serious criticism. At the outset he says 

 price is the most important element in influencing 

 sales; this may be true with readers of some 

 other publications but not with readers of The 

 Garden Magazine, who want the best regardless 

 of price. 



Mr. Kruhm ignores the fact that certain varieties 

 of trees grow with very slender trunks, yet have 

 vigorous, fibrous roots. An example of this is the 

 Morello cherry, and all other cherries budded on 

 Morello stock. Certain trees shoot up like whips 

 and take years to develop a stocky trunk and 

 heavy head. 



He advises people to buy two-year trees and 

 still warns against the purchase of "young trees 

 with few fibrous roots, but strong tap roots, indi- 

 cating they have been left undisturbed in the 

 nursery for a number of years, and that no effort 

 has been made to improve them by repealed trans- 

 plantings." The fact is that commercial growers 

 of fruit trees never transplant them after setting 

 them out from the budded stock. 



While it may be true that certain sections are 

 particularly adapted to the production of certain 

 stock, publication of the fact that Ohio has the 

 best berry bushes is no good to advertisers in other 

 states. The caliper of a tree is not so important 

 as the article would indicate. In fact, looking 

 for large caliper in proportion to height is likely 

 to lead the planter into trouble, for it is well known 

 that nurserymen cut back the heads of their inferior 

 trees and grow them on another year to give 

 them better caliper. These trees when three years 

 old will be sold as two-year stock, and naturally, 

 will be the thickest of the lot; yet they are of 

 course inferior. 



The statement that a one-year tree is too light 

 to transplant is entirely wrong. Commercial 

 planters everywhere are coming to use one-year 

 trees exclusively. With one-year trees they can 

 form the heads to suit themselves. No nurseryman 

 can form the head of fruit trees properly — he 

 hasn't the room between the trees, the time, or the 

 desire to do it. Three year trees can be moved 

 without a shock; the statement to the contrary is 

 absurd. If any one in the Middle West tries to 

 grow sour cherries on Mahaleb stock, he will be 

 disappointed. Morello is the only kind of stock 

 that will produce good crops. The fact is that 

 conditions in various parts of the country are so 

 different that is it impossible to fix a standard such 

 as Mr. Kruhm would have. The pictures accom- 

 panying this article are excellent and redeem it to 

 a certain extent. 



Chicago, 111. Fred Haxton. 



And now for the other view: 

 Gentlemen: 



Permit me to congratulate you on the publi- 

 cation of a most excellent article on nursery 

 stock and the advisability of fall planting in the 

 October, 191 2, issue. It is just this kind of edu- 

 cational matter which makes your paper so valu- 

 able to its readers. 



I have read every word of Mr. Kruhm's article 

 and cannot find a single statement that is not 

 absolutely correct. I shall not f?il to support 

 your magazine all I can in the future. 



The National Nurseries, E. H. Balco. 



Lawrence, Kansas. 



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