974 
‘If* RAL NEW-YORKER 
July 5, 1924 
PUBLISHER’S DESK 
All letters to Publisher’s Desk depart¬ 
ment must be signed with writer’s full 
name and address given. Many inquiries 
are answered by mail instead of printing 
inquiry and answer, hence unsigned let¬ 
ters receive no consideration. 
You may be interested in the inclosed 
clipping from one of our daily papers of 
recent date. This Home Profit Hosiery 
Company, Rochester, N. Y., was one of 
the “work at home” schemes to catch not 
only rural people, but city people as well. 
We really thought they were a little bet¬ 
ter gang than the others. Frankly, how¬ 
ever, I have never had any stock in any 
of these “work-at-home” schemes. I be¬ 
lieve they are a fraud—every one of 
them. C. I. 
New York. 
The clipping is from a Rochester paper 
telling of a proposed plan of a committee 
of creditors to operate the Home Profit 
Hosiery Company for three years and 
carry the obligations of the concern for 
this period in order to give it an opportu¬ 
nity to meet its indebtedness. We now 
have the promoters of one of the knitting 
machine work-at-liome schemes under in¬ 
dictment for fraudulent use of the mails. 
Another, the stock of which was put on 
the market about a year and a half ago 
at $22, is now selling at between $2 and 
$3 per share. A third, above mentioned, 
in the hands of a “creditors’ committee.” 
The R. N.-Y. has contended from the 
start that any business not based on the 
good will of its customers cannot be per¬ 
manently successful. And the records of 
three out of five of these knitting ma¬ 
chine schemes give color at least to our 
contentions. 
On July 25, 1923, we shipped eight 32- 
quart crates of Columbian raspberries to 
M. Catalano & Sons, commission mer¬ 
chants of Cleveland, O. We not only 
waited all this time, but also wrote them 
a letter concerning the sale of those ber¬ 
ries, and no reply was given us. The in¬ 
closed card from the American Express 
Company shows that Catalano received 
the berries. Will you, therefore, collect 
$40 from the above commission mer¬ 
chants unless they submit a satisfactory 
Statement, and oblige T. c. 
New York. 
Keep the name of Catalano & Sons on 
the list to be avoided when making berry 
shipments this season. It will save an 
experience such as described above. The 
concern pays absolutely no attention to 
the account, and refuses to make adjust¬ 
ment. 
Here’s the latest I have seen on old 
unreliable Uncle Sam oil. Probably many 
of your readers have “deposits” in this 
gigantic fake of many years’ standing. 
Iowa. H. j. B. 
Our readers will remember the Uncle 
Sam oil swindle which was exposed in 
Publisher’s Desk department many times 
during the time the promoters were sell¬ 
ing the stock. The company has gone the 
way all fakes must eventually go. Now 
a Denver brokerage house is offering to 
exchange each 2,000 shares of Uncle Sam 
oil stock for the same number of shares of 
Moffat Oil Fields Corporation. A fee of 
$2 is asked in the exchange. We can see 
in the proposition only the old game of 
exchanging one worthless stock for an¬ 
other, and the investor would be out just 
$2 on the transaction. 
I think highly of your advice, and I 
want it about the accident policy of the 
North American Accident Insurance 
Company of Chicago. Will you give your 
opinion, pro and con? F. E. W. 
New York. 
The trouble with the North American 
accident policy is not want of responsi¬ 
bility in the company, but in the tech¬ 
nical terms and limitations of the policy. 
One observing farmer was overheard at 
the State Fair to size it up as follows: 
“Before a man could recover anything 
on that policy a horse would have to slip 
the halter, break out of the stable, enter 
the house, walk upstairs, kick him out of 
bed and break his leg in a splinter frac¬ 
ture above the knee. If the leg was 
broken in any other way there would be 
no recovery.” That is the best analysis 
of the contract we have heard. It may 
be a bit extreme, but it gives a good idea 
of the contract. It is very technical, and 
unless the accident occurs in just the 
manner described there is no recovery, 
and the amounts are too small to resort 
to law when the company refuses pay¬ 
ment on technical grounds. 
There is a big display of big figures on 
the circulars, and the agent passes over 
the limitations, and the subject is made 
to feel that he is getting a big bargain. 
When an accident occurs he usually finds 
■that the horse stood in the stall without a 
halter, or he kicked the man on stoop 
and never went upstairs, or that the bone 
was broken straight across or below the 
knee, in which ease the company was not 
responsible. As we understand, the 
company gets only about 50 cents net for 
the policy, and it must be plain that it 
cannot give much in return. The evil of 
it is in making people think they will 
get something for nothing. 
On Friday, May 20, Golden, represent¬ 
ing the Columbia Service Corporation, 
1476 Broadway, New York, stopped here 
and coaxed me into taking out an insur¬ 
ance on my two cars, for which I paid him 
$10 as part payment, for which I was to 
get my insurance policies and pay the 
balance when I could, but now, as you 
see, when I got the last letter I am to 
send the balance and they they will send 
me my policy or other credentials. I 
wrote and told them I had a right to see 
and read my policy as per agreement be¬ 
fore sending them any more money, and 
when they sent it to me I would forward 
them the money, and if that was not sat¬ 
isfactory to them they could send me bacit 
my $10. I have not heard from them 
since, and that is over a week ago now. 
New York. J. B. 
The contract which this man signed 
does not call for insurance policies at all; 
it is one of the “service contract” schemes 
that we have so many times warned our 
readers about. The $10 paid the agent 
cannot be recovered. These service con¬ 
tracts are, in our estimation, “easy money 
schemes,” and regardless of any value 
which they may have, no one should enter 
into such contracts with the idea t~at 
they are buying “insurance.” 
Will you collect payment for me for a 
case of eggs shipped to M. Fleigel & Son, 
342 Greenwich St., New York City? I 
have not received any check. They claim 
they have not received the eggs, but my 
station agent reports that they were de¬ 
livered to them. The eggs were worth 
$11.40. M. N. 
New York. 
Responsibility for Injury 
We have a case where a boy was acci¬ 
dentally injured in riding on a. car. This 
boy came to the home of one of our read¬ 
ers on Sunday morning to play with the 
children. When they came to start for 
church this boy wanted to ride on the car 
down the road for a short distance. He 
stood on the running board and held on 
to the side of the car. Instead of going 
on to the corner as he first proposed, he 
took a sudden impulse to jump off the car 
as it passed a house, not giving the driver 
time to stop the car or slow down. The 
boy jumped and went rolling over and 
over. They picked him up and he did not 
appear to be seriously injured, but the 
driver of the car immediately took him 
home and consulted the local doctor. This 
doctor could not be sure of the trouble 
without an X-ray examination. When this 
was made it was found that the boy’s arm 
had been cracked or broken up close to 
the shoulder. The owner of the car was 
not responsible for the accident, as the 
boy jumped of his own accord, and with¬ 
out warning, but this owner, being a con¬ 
scientious man, had the boy properly 
treated at his own expense and will see 
him through the accident. 
Now, can such a man be held respon¬ 
sible for damages in a case of this sort? 
Under the circumstances, such a man 
could not fairly be held responsible for the 
injury. He was a careful driver, and de¬ 
sirous of giving the boy a ride, and was 
not responsible for his jumping. If such 
a man is willing to take care of an acci¬ 
dent and see that the boy is properly 
cared for and repaired, that is all he 
should be expected to do. There are a 
number of cases like that, and the general 
rule should be that unless there was care¬ 
lessness or intent to injure there could be 
■no further demand after the injury has 
been repaired. 
Who Should Have Child? 
One of our people presents an interest¬ 
ing case of the right to hold a child. A 
woman through illness was unable to care 
for her baby, and it was handed out to a 
relative, who was glad to take it and give 
it good care. Time went on, and the rel¬ 
ative became greatly attached to the child, 
and its mother was quite content to have 
it remain in her new home. Finally this 
Prices 
Samples & 
Roofing 
.World’s Best 
Roofing 
"R«o” Cluster Metol Shinprles, V-Crimp, Corru¬ 
gated, Standing Seam, Painted or Galvanized Roof¬ 
ings, Sidings, Wallboard, Paints, etc., direct to you 
at Rock-Bottom Factory Prices. Save money—get 
better quality and lasting satisfaction. 
Edwards “Reo” Metal Shingles 
have great durability—many customers report 15 and 
3 ’ service.Guaranteed fire and lightning proof. 
Free Roofing Book 
Get our wonderfully 
low prices and free 
samples.Wesell direct 
to you and 
in-betweei 
profits Ac 
No. 
Lowest prices on Ready-Made 
Fire-Proof Steel Garages. Set 
up any place. Send postal for 
Garage Book, showing styles. 
THE EDWARDS MFC. CO. 
723-773 Pike St. Cincinnati, 0. 
Philadelphia 
SILOS 
25 years and still leading 
OPENING ROOFS 
WOOD TANKS 
Write for free Catalogue, easy 
payment plan and LOW CASH 
PRICES. “When you want a 
Silo-See SCHLICHTER.” 
E. F. SCHLICHTER CO. 
10 S. 18th St, Bex R, Philadelphia, Pa. 
Only $142f Down 
For 
2 W. WITTE 
(Throttling Governor) 
Easy Terms on beBt engine 
built. Burnskerosene.distillate.gasoline or gas. Change 
power at will. Equipped with the famous W1CO 
Magneto. Other sizes, 2 to 26 H-P.—all styles. 
BD ET C? Write today for my Big Engine Book. 
I a% E. C. Sent free—No obligation on your part. 
WITTE ENGINE WORKS 
18S1 "Oakland Avenue, - KANSAS CITY, MO. 
1891 Empire Building, - PITTSBURGH, PA. 
Mixer 
It pay* to put down concrete 
floou.side walks, foundations,etc., 
with a Kwik-Mix. Turn* out a 
wheelbarrowful a minute. Try 
a Kwik-Mix Mixer on }o days* 
trial. Price reduced. 
Write for FREE CATALOG. 
BADGER KWIK-MIX CO.. 
lOlOClevetand Avc.. Milwaukee, Wi*. 
We took this complaint up with M. 
Fleigel & Son and gave them the exact 
copy of the delivery record from the ex¬ 
press company’s books, which clearly 
showed delivery on the day following 
shipment, and his signature thereto. 
When apprised of this fact he write us: 
“If you will prove to me that w T e re¬ 
ceived any eggs shipped by the parties 
you refer to, I will gladly make settle¬ 
ment for same.” We again sent him the 
record, and he again promised to pay if 
we would show him the original receipt. 
He, however, has neglected to make good 
any of his promises, and it will be wise 
for our people to pass him by when 
making further shipments. The amount 
is not large, but it is too much for a 
farmer to lose. 
How does this manufacturer of home- 
sewn gloves stand? Is he reliable? The 
name is Leslie Jones, Olney, Ill. I have 
sent for some home work. MRS. P. C. F. 
New York. 
Leslie Jones of Olney, Ill., has been 
employing a fake real estate swindle for 
a number of years, and we expect that he 
is conducting the work-at-home scheme 
for sewing gloves on exactly the same 
basis. Don’t send Jones any money if 
you ever want to see it again. 
In answering an inquiry about Armour 
Tire and Rubber Company, Dayton, O., a 
few weeks ago, we referred to the fact 
that we found no rating for the concern, 
and that the “guarantee” on the auto 
tires sold by the concern, consequently, 
had little value. We now have the fol¬ 
lowing letter from the Master Tire and 
Rubber Company, Dayton, O., which com¬ 
pany has a good financial rating: 
This certifies that the Armour Tire and 
Rubber Company is the selling division of 
the Master Tire and Rubber Company, 
the former named firm being owned and 
controlled by this company, which as¬ 
sumes all responsibility of the Armour 
Guarantee Adjustment Bond. All adjust¬ 
ments are made in accordance with *he 
terms of the bond here at the factory. 
relative married, and apparently the mar¬ 
riage did not turn out happily. The child 
is now five or six years old, and the ques¬ 
tion arises, who should have control of it, 
and where should it remain? The mother 
is entirely willing that the child should 
remain with her relative, but is not will¬ 
ing that the husband should have control 
of the child and keep her in the event of 
the death of his wife, and the question 
arises as to the legality of giving the rela¬ 
tive control of the child, to the exclusion 
of the husband. 
Our advice in such a case is to consult 
a careful lawyer and have him study the 
case and draw up necessary papers, which 
would limit possession and control of the 
child to this relative, and specifically 
state that the husband is to have no rights 
in such possession. This could probably 
be done, and would be the wisest plan. 
HAY CAP COVERS s 
CANVAS COVERS 
1 Write for Prices 
Dept. R 
BOWMAN - DURHAM - ROBBINS, Inc. 
26 Front Street - - Brooklyn, N. Y. 7 
Free Catalog i n colors explains 
• xv, vvivuiv b how you can save 
money on Farm Truck or Road 
Wagons, also steel or wood wheels to fit 
any running 
pear. Send for 
it today. 
Electric Wheel Co. 
48 Dm St..Quincy, 
When You Build That New Silo—USE 
LACEY’S Improved SILO HOOPS 
Strong—Easy to Apply—Cost Less—Flexible. Made 
in all desired sizes. Write for descriptive folder and 
price list. Elmer B. Lacey, Mfr., Endicott, N.Y. 
fi 
The Pipe That Wont Clo£ 
A clogged pipe, idle teams and loafing men—these are 
practically unknown to owners of Papec Cutters. Frank 
Clemens, Dumont, Iowa, who operates an L-16 Papec 
with an 8-16 tractor says: “I have never clogged the 
pipe once in my four years of filling silos.” 
The Papec is built to put more silage through a smaller pipe—and 
without danger of clogging. The six-fan Papec wheel has the same 
advantage over a four-fan wheel that a six-cylinder auto-engine has 
over a four-cylinder engine—smoother action and greater capacity. 
Then, too, the cutting wheel is arranged 
to throw as well as blow. The small pipe 
concentrates the air blast, greatly in¬ 
creasing its driving force. 
Steadily increasing sales—and tremen¬ 
dous output in world’s largest factory 
devoted exclusively to cutters — insure 
quality at rock bottom prices. 
If you own a silo or a tractor, our new 
catalog and U. S. Gov’t Bulletin “Mak¬ 
ing and Feeding of Silage” will interest 
you. Write for them today. Both are free 
to silo owners. 
PAPEC MACHINE COMPANY 
110 Maun St. Shortsville, N.Y. 
