680 
THE I-JURAL NEW-YORKER 
May 2, 
PUBLISHER’S DESK 
Last December two men visited this 
village asking permission to photograph 
residences, children of the household, etc. 
A few days later two others returned with 
proofs soliciting orders for pictures and 
post cards at the rate of $1 per dozen. 
Many orders were given, and we were 
told the pictures would be sent by mail. 
Receipts bear the name of The Advance 
Stock Negative Company, 7G1 East 133rd 
Street, New York. Letters addressed to 
them have remained unanswered. I. m. 
New York. 
Our letters were forwarded to Easton, 
Pa., and returned from there unclaimed. 
This would indicate that the company 
finds it more convenient to move from 
place to place rather than continue at 
any one address. But why pay for 
pictures before they are in your hands? 
They asked the money? Oh, yes; but 
you were not obliged to hand it over 
until you got the pictures. If they will 
not trust you, do not trust them until 
they show themselves more worthy of 
trust than you are. 
I note in your issue of April 4th an 
inquiry as to the Empire Realty & Mort¬ 
gage Co., and the loaning of money at 
5%. In this connection I am sending 
you a contract such as has been issued 
in Florida. As you state in your explan¬ 
ation. the whole game rests on what is 
called the “eligibility clause.” The agents 
lead you to suppose that at the end of 
six months, by making a six months’ 
lump sum payment which will make the 
payments for a year, you will be able to 
get your money. As a matter of fact if 
anyone will take the trouble to do a 
little figuring it will be easy to see that 
mighty few people will get any money 
and the whole thing should be branded as 
a fake. Last year the laws of Florida 
were changed so that it is impossible for 
these companies to operate here, and as 
a result some of the officers of the differ¬ 
ent companies have been arrested and 
they have ceased to do business. 
The game was first started purely to 
induce people into it in order to get their 
initial six months payments and then 
have them drop it. It worked all right 
and I understand the Birmingham com¬ 
pany you refer to made thousands of dol¬ 
lars out of their victims, and they edu¬ 
cated the people who afterward started 
the same game in other parts of the 
South. The contract, I understand, was 
drawn by one of the South’s greatest 
lawyers and there is no flaw in it as 
far as the company is concerned. At first 
sight it looks more than fair, but after 
you have figured it over for a while and 
looked into some of the settlements you 
will soon see where you come out. You 
simply can’t tie them to anything defin¬ 
ite, so the best thing to do it to let it 
alone. a. H. b. 
Florida. 
This letter states the conditions of the 
installment contract very clearly. The 
promise of an. easy loan is a great in¬ 
ducement to the man who wants to bor¬ 
row ; but the company wants deposits, 
not an opportunity to loan money. When 
you have made payments for six months, 
you discover that the company has done 
nothing but promise that you are “eli¬ 
gible” for a loan. They have not bound 
themselves to give you anything, but 
you have contracted to keep on making 
payments whether they make you the 
loan or not. We are glad that the State 
of Florida has put the ban on these con¬ 
tracts. The States and the courts are 
fast coming to see that a free contract is 
not always a fair or a just contract. We 
must come to the principle that it is 
the duty of the State to protect the in¬ 
experienced and innocent from the al¬ 
lurements of craft and cunning. 
Referring to the reference on page 206 
to an alleged purchase of land by the 
Thwing Company, ox the Circle Maga¬ 
zine, at Demarest, N. .Tfor promotion 
purposes, being a resident of Demurest 
I have examined the records and find no 
property assessed to Mr. Thwing or his 
company. From the item referring to 
the Thwing scheme some one may get 
a wrong impression as to the village of 
Demarest. This village is 20 miles from 
New Y T ork, and three miles from Engle¬ 
wood. It is only 25 minutes walk from 
the trolley, which will soon be extended 
to the village. We have 38 trains daily. 
The town is beautifully located, and 
has many distinguished citizens. While 
we repudiate promoters, we do not want 
their unauthorized references to allow 
any misapprehension of the beauties and 
advantages of our home town. c. F. 
New Jersey. 
While we think our coiTespondent 
above is needlessly sensitive, we are glad 
to know that he has the home instinct. 
We did not intend our inference to Mr. 
Thwing’s scheme to cast any reflection 
on Demarest. What we wanted our peo¬ 
ple to understand is that land 20 miles 
from New York is no more calculated to 
yield 100% profit as promised by the 
Thwing Company than property situated 
elsewhere, and in this case we can only 
repeat our standing advice, always to see 
land and know its value before making 
an investment in it. 
An ordinance passed by the Aldermen 
two weeks ago making it a misdemeanor 
to publish false or misleading advertise¬ 
ments became a law yesterday without 
the Mayor’s action. The bill covers all 
kinds of advertising and the penalty is 
a fine of $25 to $250 or imprisonment 
for five days to six xxionths or both.— 
New York City Paper. 
This law was passed at the suggestion 
of the Vigilance Committee of the Adver¬ 
tising Men’s League. It would not be 
necessary if publishers would do their 
duty by the public. If the Vigilance 
Committee follows up violations of the 
law and insists on prosecutions both 
publisher and advertiser will reform, and 
everybody will gain by the reform. 
Governor Glynn has signed the bill 
prepared by the Commission appointed by 
Superintendent Van Tuyl to revise the 
banking laws of the State of New York. 
This law provides for an investigation by 
the Superintendent of Banks of viola¬ 
tions of the law by individuals or corpor- 
ations which do something of a banking 
business, though the companies are or¬ 
ganized under the general business law, 
and the individuals conducting the busi¬ 
ness seem to be operating without proper 
authority of law. As Governor Glynn 
has pointed out, recent decisions of the 
court have held that the real estate in¬ 
vestment companies which issue deben¬ 
tures and installment contracts are acting 
in violation of the law, and a final de¬ 
cision on this point is pending in the 
higher courts. If the decision is sus¬ 
tained. as is probable, the authority of 
the Superintendent of Banks to investi¬ 
gate such violations will probably be suf¬ 
ficient to protect the inexperienced in¬ 
vestor against the agents and allurements 
of fake real estate promoters in this 
State. For 20 yeai’s I have been fighting 
these schemes; and it is gratifying to 
consider that at last we have found a 
means of regulating if not suppressing 
their operations. Effective regulation 
would be equivalent to suppression, be¬ 
cause to take the fake out of them is 
to kill them. 
As there cannot be a great deal in the 
business at a dollar per year for such a 
paper as yours, and as it must come to 
considerable to notify all of your sub¬ 
scribers. please bear in mind that you 
might as well save—as far as I am 
concerned—your stamp, as 1 shall most 
likely not fail to resubs ribe even at 
twice your price, and do it in ample time. 
Michigan. n. P. n. 
Our correspondent touches an import¬ 
ant subject in this letter. For .the most 
part The R. N.-YL subscribers renew 
regularly from year to year. They be¬ 
long to an organization, and pay their 
dues annually. We think such faithful 
and persistent patrons are entitled to the 
courtesy of an individual notice by mail 
when the annual renewal is due. The 
postage for this one notice alone, 
amounts to about $2,000 a year. In 
addition to this there is the printing, ad¬ 
dressing, inserting and stamping of the 
two hundred thousand letters or there¬ 
abouts. While we appreciate the interest 
of our friend who writes above in sav¬ 
ing this expense, we consider it a cour¬ 
tesy that we are glad to extend. What 
we would like to avoid, however, is the 
expense of a repetition of this expense, j 
Some of our friends whose original sub¬ 
scription dates back of our present rec- ! 
ords of 15 years, overlook or neglect the 
notice, and it is necessary to repeat it , 
one or more times before the renewal 
comes along. There are good reasons and 
legitimate excuses for much of this; but 
a large percentage of it is probably due 
to a mere oversight, as a result of a 
feeling when the first notice is received 
that there is time enough in a day or ! 
two. Each one does not realize, as this 
correspondent evidently does, that if 1 
everyone delayed the renewal after the J 
expiration notice was l’eceived, necessi- j 
tating a second notice, the expense would j 
be something of a burden, and we would j 
be short just that much in the quality of 
service we could give through the paper 
as a whole. We print the letter as an 
example of a good purpose and a com¬ 
mendable practice. j. j. p. 
You Must Paint! 
Every building or shed on your farm needs 
paint every few years, just as your stock needs food every few 
hours. Your stock will starve if neglected. Likewise, your 
buildings will rot or decay if you neglect them. And use the 
best paint, just as you select the best feed. 
65 years’ paint-making experience is the Lucas record. 
Every can of Lucas Paint is the result of this vast experience 
combined with Lucas brains, Lucas equipment and Lucas 
perfect factory system. This paint-making efficiency 
makes possible the highest quality paint standard. 
Every can of Lucas Paint must match this standard 
after four exacting tests. 
Expert Advice and Book 
* “Whenand Howto Paint” 
Send at once to our Service Departmemt for 
free advice on your paint problems. It will 
save much of your paint money and cost you 
nothing to get. We will also send our paint 
book," When and How to Paint."Write today. 
(Inc.) 
Office No. 3895 
Philadelphia, 
Pa. 
PHILADELPHIA- 
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