1422 
The RURAL NEW-YORKER 
November 8, 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. 
I have been a subscriber to T HE 
R. N.-Y. for only a short period of time, 
but it is indeed a pleasure to state that 
there is no paper that enters this house 
which is more enjoyed or contains more 
valuable information. In fact everyone 
is seeking this publication at the time of 
its weekly arrival. w. S. M. 
New York. 
The best words for the paper usually 
come from subscribers who have been 
reading for a lifetime, and many cases 
where it has been in the family for more 
than one generation. It is therefore, 
gratifying to receive such generous com¬ 
mendation frOm one who has only re¬ 
cently become a member of the family of 
readers. 
In view of what you have said many 
times relative to the “chain of stores” 
propositions and investment in the same, 
it occurs to me that you may be interest¬ 
ed in the attached item dealing with the 
limitations of “chain” system. Because 
Steele is gone is no certainty that there 
will not be more propositions like it com¬ 
ing to the fore. h. V. P. 
Massachusetts. 
“Chain stores,” like any other system 
of merchandizing, must be considered in¬ 
dividually. There are many pronounced 
successes in the chain store field; also 
many failures. The failures in which the 
Publisher’s Desk was interested were pro¬ 
motion schemes. The successes in this 
line made the public easy victims to the 
chain store promoters. The Steele and 
New York Piggly Wiggly disasters are 
shining examples of the way not to con¬ 
duct chain stores. When properly 
financed and managed, chain stores are 
successful and profitable, but it is rarely 
that any enterprise succeeds when it is 
necessary to finance it by stock selling to 
the public. 
Hartford, Oct. 21.—A campaign is be¬ 
ing conducted by the State Insurance De¬ 
partment to rid Connecticut of alleged 
fraudulent practices indulged in by cer- 
tain concerns organized as automobile 
“service” companies who are selling "ser¬ 
vice” premiums under misrepresentation 
and without being licensed to do an insur¬ 
ance business in this State. There are 
about six such companies operating in the 
State. Commissioner Howard P. Dun¬ 
ham said these service companies use the 
name of some well-known insurance com- 
pany as a part of their trade name. They 
issue a service policy, which states that 
it is not an insurance policy, but is made 
up in that form. The scheme started in 
other States, and a short time ago was in¬ 
troduced here. The department is now 
collecting evidence and it is expected that 
prosecutions will result. 
The extent to which such concerns have 
been operating in New York was dis¬ 
closed at a recent hearing before the at¬ 
torney general of that State. It was 
found that there were about. 30 of these 
“service” companies doing business, using 
the names of such companies as Aetna, 
Travelers, American, Automobile, United 
States and Continental. 
Prosecutions have also been conducted 
in Pennsylvania, where it is estimated 
that “service” companies, in a period of 
about four years, collected at least $500,- 
000 from automobile owners, probably all 
of whom believed they were purchasing 
automobile insurance policies. — Daily 
Paper. 
Connecticut State officials deserve the 
approval and gratitude of its citizens be¬ 
cause of their efforts to rid the State of 
these “service contract” schemes passing 
for automobile insurance. This depart¬ 
ment has many times commented on the 
questionable value of the service rendered 
under such contracts, even when sold as 
such. When sold as automobile insur¬ 
ance the contracts are fraudulent, 
amounting to a swindle. 
Two years ago a woman representing 
the Frontier Mortgage Company of Buf¬ 
falo, N. Y.. sold me two shares of pre¬ 
ferred stock, $100, 7 per cent interest. 
They paid one dividend, but we have not 
heard from them since. We have heard 
that they have changed hands since, but 
they have not notified us. We would ap¬ 
preciate any information you would give 
us on this matter. H. A. M. 
New York. 
This is what usually happens when 
stock is peddled around by stock sales¬ 
men. The company flourished for a time. 
There is little market for the stock, the 
latest quotation being $10 to $20 per 
share. Publisher’s Desk advised its read¬ 
ers as to the speculative character of this 
stock at the time it was being sold to the 
public in this manner. 
Some time ago the boy working for one 
of my neighbors received a package of 
garden seeds from the Lancaster County 
Seed Company, Paradise, Pa. He had 
not ordered the seeds, which were to be 
sold, and upon receipt of $3 he would get 
some premium, and so did not think any 
more about them. After some time he 
received a letter asking that he return the 
seeds or money. He replied to them that 
as he had not ordered them he would not 
mail them until he received from them the 
required postage. He received the post¬ 
age and promptly mailed the seeds back, 
lie received a letter after that, again ask¬ 
ing for the money. And now, this! I 
am inclosing the last letter he received a 
few days ago. He has never signed any¬ 
thing for them, as they seem to insinuate. 
It would really be funny if it were not 
for the fact that they probably frighten 
many poor people into sending them the 
money. F. B. 
New York. 
Perhaps the Lancaster Seed Company 
is violating no statute of law in sending 
packages of seeds to boys without an 
order to do so; but such practices are a 
violation of business ethics, to say the 
least. The boy in question is threatened 
that the “sheriff will be after him” if he 
does not return the seeds or pay for them. 
This class of seed houses are a stench in 
the nostrils of the seed trade and a men¬ 
ace to country districts 
Any information regarding the Kings- 
bridge Art Institute of 87 Orange St., 
New Haven, Conn., would be appreciated. 
Are they reliable? They are sending a 
representative to people with this offer : 
“Special offer contract (value $20). To in¬ 
troduce this new sepia toned painting, we 
will place a limited number only in your 
neighborhood at the cost of material, 
$3.98, unframed; 14x20 inches in size, 
embossed, oval in style. The sketch of 
your portrait will be shown at your resi¬ 
dence within 12 to 20 days, when the cost 
of material, $3.98, must be paid. To be 
prompt in our deliveries, orders are com¬ 
menced immediately, therefore cannot be 
countermanded. You are not obliged to 
order a frame. Pay no money^ to repre¬ 
sentatives taking this order. We guaran¬ 
tee to return photos with the finished 
work.” 
Somehow it doesn’t sound quite right 
to me, so I know you will give me the 
desired information. M. D. 
Connecticut. 
The above letter gives us all the in¬ 
formation needed to brand the Kings- 
bridge Art Institute proposition as the 
regulation portrait scheme. We also un¬ 
derstand these agents employ the “lucky 
envelope” fake, which was originated by 
the old Chicago Portrait Company. We 
can only repeat our advice to subscribers 
to have nothing to do with agents of any 
portrait concerns canvassing country dis¬ 
tricts. If any of them secure orders on 
a legitimate basis the exception has not 
been brought to our attention. 
It is reported that an itinerant jeweler 
who came to Meadville recently adver¬ 
tised that he would repair any watch or 
clock for $1.50, regardless of the condi¬ 
tion of the timepiece. People roundabout 
Meadville are said to have liberally pat¬ 
ronized the repairer, who rented a loca¬ 
tion in the city. After a time he sorted 
out the best of the material on hand and 
disappeared. It is best to rely on an old- 
established jeweler, rather than any fly- 
by-night man. This fraud has been re¬ 
ported from different sections of the coun¬ 
try, and much of the loot got away with 
by these “jewelers” is valuable. w. J. 
Ohio. 
If the time and energy used in planning 
such schemes were devoted to constructive 
enterprises the world as a whole would 
be better off, and the credulous individ¬ 
uals would be saved much of the money 
which is now being charged up to experi¬ 
ence. Jewelry and spectacles should be 
bought from reliable sources. 
We would like to have you collect a 
small amount of $4 from Gallaher. florist. 
221 Diamond St., Pittsburgh. Pa. I 
shipped Mr. Gallaher two bags of moss a 
year ago. He was supposed to pay me $4, 
but paid nothing. I wish you would fetch 
him to time. E. G. 
Pennsylvania. 
Probably few of our readers are ship¬ 
ping moss, but any who are will want to 
make a memorandum of the above name 
and address and consign their shipments 
elsewhere. 
■I WHITE 
Ijfe, BRAND 
Red Brand Ti-o-ga Dairy Feed to be fed with low pro¬ 
tein succulent roughage; Silage, Pasturage, Green 
Fodder, etc. 
White Brand Ti-o-ga Dairy Feed to be fed with medium 
protein dry roughage; Timothy Hay, Mixed Hay, Com 
Fodder, etc. 
Blue Brand Ti-o-ga Dairy Feed to be fed with high 
protein dry roughage; Clover Hay, Alfalfa Hay, etc. 
If your dealer can’t supply you, write us 
TIOGA MILL & ELEVATOR CO. Waverly, N. Y. 
Depend 
Upon 
When you use one of the Ti-o-ga Dairy Feeds, 
you can depend upon it that you’re right. 
You know that you get: 
Nothing but pure, wholesome, all-feed 
ingredients. Scientifically correct propor¬ 
tion of nutrients. 
A feed that actually balances with your 
particular roughage. 
A feed that is uniform in mixture—every bag the same. 
Lowest cost, in milk obtained, per feed dollar, year 
after year. 
Wherever accurate tests have been made, dairy feeders 
have proved this true. 
If you want more profit, each year, from your dairy, 
use Ti-o-ga Dairy Feeds, as directed on the tags. 
BLUE 1 
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Use the TI-O-GA Dairy Feed 
which forms a balanced ration 
with your own roughage. 
TfI 
TOGA 
FEED SERVICE 
Dehorn with the Keystone 
Dehorn your cattle in 
the modern humane 
way. No crushing—a 
singie stroke does the 
work. Dehorned cows 
and steers are gentler. 
The Keystone is sold on a money-back 
g jarantee. We also make Keystone 
ull Staffs. Write for circular. 
JAS. SCULLY 
Box i 22 Pomeroy, Pa. 
EDMONDS’ 
POULTRY 
ACCOUNT 
BOOK 
Price, $1.00 
To Canada. $1.25 
If you keep only ten or a 
dozen liens, there will be 
Satisfaction and Profit in 
knowing just how the 
account stands. This book 
will tell the whole story. 
The account may be begun 
at any time, and the balance 
struck at any time. Simple 
and Practical. 
For sale by 
RURAL NEW-YORKER 
333 West 50th St., New York 
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