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•isgfll sap^s m mmw<S/?w^ THE LAKE SHORE NEWS, THURSDAY, OCTOBER 88, ttli. EianstQtiMerchx^ to B^^0^l^'^^^ Shorn TltirUa^&vening^Was Get-Together Night and Many Ai- tended Meeting, Where Good Fellowship Prevailed - â- aM^M.and Co-operation Was Urged. MEETISGIFIRST \0F'4 SERIES TO BE HELD THIS FALL AND WHITER dittons wherever possible. That this j he eliminates the middleman and gets has been done by the B. C. A. on j his watermelons from Texas, caull- many occasions is an established fact, | flowers from California, head lettuce as for instance: 'from Boston, salmon from Alaska, cod- "A few years ago when our eneiv| nsh from Gloucester and shrimps from getlc and efflcient president wan ^halr-i New Orleans. Oh, well, that was, of-; man of the ways and means commit-' course, all newspaper talk, You will tee, they gave this community ah op-[nearly always find that they who do portunity of knowing what the city I the most talking do the least think- would look like If properly lighted by! ing. The chief Interest in this much raising a sum In excess of $2,000 and \ agitated question centers on the food illuminating the city fronv the NotUH Products and the retailer, whether western University Gymnasium to j Justly or not, gets the major part of vm Evanston was the gathering point of all the merchants of the lake shore district last Thursday night The hosts of the evening were the officers and members of the Evanston Com- mercial association, while tkcs guesU were the representatives of the vari- ous business and commercial clut>s of the north end of Cook county. It was a regular get-together affair and the Evanston businessmen did their best to make their guests feel at home and erjjoy the program of the evening. It vas the first off a series of fraternal" visits that the different associations vill participate"in during the fall and winter months. :â-  ? -^ â- â€¢.,•.' Weather Was Disagreeable. Owing to the incletnent weather but few of the business men to, the west Main street during the North Shore Festival concerts and commencement week of Northwestern. University, an illustration of civic pride of which any city might be. proud. This was fol- lowed up last year by the chairman of the ways and means committee, Mr. W. M. Colwell, succeeding in having installed permanent ornamental light- ing standards in the block in which the blame and that in the face of the indisputable fact that our profits steadily decrease and our expenses as steadily increase. Digging down into the root of this I find we are in a measure ourselves to blame. In the Index a short time ago comparison was made of delivery cost in Highland Park and Wllmette. A merchant of the latter town stated his delivery we now are as well as securing an ap-j c*8* was eleven cents per unit. Prom "In the short time that has been i credits, for it is mighty poor policy, allotted me to speak on the subject of and a good deal like putting all your , , . - - j ,. __ , , . 4. „,. •Credits/ I can only touch upon a few | eggs in one basket. It would be better ; l*°priation from the city .council this another aource people »^""J that of the important phases,of so large a to lose a few $5 accounts than one oft£» for placing like^ standards f\^^J^Z^^0^^ option as they affect the retail mer- $300 besides you win feel it less. No .j £« «**? P-Perty . n the buai-, ^^r^^^^'S chant. , ' j doubt every merchant will recognize•,n «>««« , » .; , ^ ,}. .^ na/Qrty deliveries last month "This part of the work would navei " Hc=33?+5==»16.6b. Her bill was "There are good credits and there ond admit the practical truth of these , TjtavkooM Knwrton M7VJ»mt **» * Offlefa] tmm for Worth â- â€"tta fcaooi «T Matte M EILEEN LONG Dramatic art Doc a I Culture Staoc ttanctng Itzes rtr. Kvcatae P»w«r« B«II4I«B. S«lt« 1301, 3t S. WMNMh A»«. CW.MMTMSt.. 4 klTM* Cttlrti «4tt arc bad credits, and both are a burden statements and assertions, and doubt- less every one of you will hesitate on the question of their being practica- ble. Few retailers have the Individ- uality of purpose to make a change from the old regime, and therefore their, only salvation in bettering the credit conditions is to adopt the prin- ciple of cooperation among themselves to bring it about. One individual by himself can't do much, nor two or three, but if all unite on this common purpose it will revolutionize the credit been completed before this but for »-| *f .00 therefore «Jevhad $8.50 worth! other Illustration of civic pride on the' of goods an^»16.50 of service Natur-.; ' ally she concteides she must find some} cheaper servaim^Qur worst enemies j would not have treated us thus un- • kindly. I have informed my people j that when they buy a dollar's worth | of goods from me they pay 78c for the wares, 18c for the service and 4c is my profit. I have, tried to make it part of this association In loaning the money appropriated for these lights to the health department to meet the ex- pense of medical inspection in the public schools for this year. In or- ganizing and equipping the Olympic club In their present commodious quarters on the second floor of the W. J. Hamilton. C. D; Macpherson. ' to the retailer. In the good class may be named those debtors who are abun- .; dantly able to pay, and yet they 'stand ! off' the merchant^ fronx month to month, and jn many cases use his ' money to take long pleasure trips and ; for other purposes of their own selfish gratification. These people rely on the fact of their being 'good,* and the mer- j chant also relying upon the same con- sideration, is obliged to carry the wor- rying burden of their carelessness and indifference to his business needs. J The significance of the proportions of ! this burden may be judged by the fact j that 'the average retail merchant | throughout the country carries more credit accounts on his books than the value of his average stock on hand, and it is a matter of common occur- rence fdf hini to borrow from"the bank to pay his bills, the money that is on deposit there belonging to those who are owing him. Bad credits are hot City Hall is, in my judgment, one of! *«»* *»\^\l *â„¢tZtr?£t the finest examples of Civic Pride and | Profit, Preferring to get tourer cent Co-operation ever exhibited by any «? ,B, bwi»**«t ot *â„¢'°™ ^ **° city. The occasion of the meeting of! eight per cent on 150,000 -.,,,,. the Illinois Mayors* association in this I .,_ , â- â- "â- K*• '«•"• city furnished another opportunity for I "Be,n« f ls*ed tna\ ln the flr8t !"l a display of Civic Pride ,a8t ^ | fance my business rests upon a sound «hen this organization turned over! foundation, having given full measure these rooms as headquarters for the visitors, in addition to providing a considerable sum for their entertain-1 ^ -. ,,. . , . . .. , t.„ ment. Last spring when the news of I ta1n iU ^^Vâ„¢^****.?°Zet'^* of service for value received, so the thrifty housewife, desirous that her husband's hard earned dollar shall at- the flood disaster in the Ohio valley reached here our president never hesi- tated for . a moment but called his board of directors together at once and had $500 cash in the hands of a committee of the Chicago Association of Commerce before noon that day, the first cash contribution for relief re- cooperation store suggests itself and I am informed that such an enterprise has been seriously contemplated in one of our North Shore towns. The question presents itself: 'How shall we meet the Issue?' A little reflection will soon convince you that it would : be a mistake to antagonize and as- sume an air of Indifference, also the ceived from any source. . » __, , . . ••Thio „„„„i„(im .i,«.,ij k« „„j .-absence of confidence Is caused by an This association should be and Is !â-  . , ,__j„„„*...,.h ' tr„„„,t»«» j proud of ttfe fact that we have as our ifb8ence of understMidlng, 'Knowing Resident a man whose love for Uu-! "f â- ""*.?»** the remedy would j inanity'is great enough and whose en- **««*•that you meet the parties and „,.„,, „„j a~.„h~~ L j. *,. ____.. explain to them that there is not near ergy and devotion to duty prompts ^ . , it „ . . ... „„ jhim to act where many others woulrt \« ^.""S, ^l ^ ^hZ TfloJ merely discuss. All are familiar witli|thlnk- I/ould •«' to1them: p" yo°" the work done by this association co- open ,a *â„¢ you â„¢*1*'?K?TT\Zl operating with the city authorjties In I f ^interest on money nvfested; that 'the matter of the Municipal Filtration U what l get- Y°u^ h*â„¢l° "" plant now under construction. With ^ra*aa*T ZtS-LZnn/wS the settlement of the vexatious trac- J also «et. Over and beyond that there tton oroblem this association was an > *3 on,y four centB out of every dollar tton problem this association was an M ^ lgproflt. i would submit my of Evanston were able to attend. How- only a burden, but frequently a loss as well, aud to avoid making ~tlrenr -wer, every association within a radius or fifteen miles was represented. William J. Hamilton, as chairman of the entertainment committee of the Evanston association,' had everything in readiness for the occasion and his fellow-business men were placed at ease as soon as they crossed the threshold of the Davis street rooms. The program, as arranged by the Ev- anston chairman, included an address of welcome by Mayor James Russell Smarts of Evanston, and brief talks by Peter Randlev, Col. C. H. Ketridge and C. D. Macpherson, of the Evanston organization. President Duthie Cheerful. President James R. Duthie, as usual, was in a happy mood, and in a few moments after he started to talk had his hearers realizing the need of a betterment of conditions and a closer relationship between the business men ot this district. Mayor Smart stated that whenever cMc affairs of the city are to be con- sidered the Evanston Commercial as- sociation is in the front ranks. The words of the mayor were the first any chief executive of Evanston had ex- pressed giving the Commercial asso- ciation the credit belonging to it. The mayor added that representa- tives of the association rarely fail to „ bring about the desired end in mat- ters pertaining to the city council, thus acknowledging on behalf of him- self and his associates a dependence on the advice of business men In all matters of importance to the city. The Visiting Speakers. tAmong the visiting business men who made brief talks were Joseph B- Anderson, of Lake Forest; J. A. Pest- ka, vice-president of the New Trier Commercial association; Alfred Dar- son, secretary of the Commercial asso- ciation of Highland PaTk, and J. J- Beck,, of Olencoe. « Colonel Ketridge was at his beat and his talk on "Credits" was listened to with -Intense interest. The colonel has been a frequent speaker at Bvan- slon Commercial association meetings, but it is doubtful If he ever before held the attention of his audience as he did the few minute* he occupied the floor Thursday night. : This la .^hat, he 'said: -v'; â- â- â€¢.„, Silt What the Colonel Sald^S'^. "I am very, very glad, to^ meet ana greet so many of the representatives ot the North Shore Commercial asso- ciations, and more so because of tbe Inclemency of the weather, for it Is to me a demonstration dt the strength and minimizing the loss is the con- stant care a^^gorrv of the retailer, and in order tiMlo this in an effective way, the bad account experiences of every merchant should be made avail- able to every other merchant in the- community. This has been made pos- sible in many places through the es- tablishing of a credit bureau of Infor- mation, such as'we have here in Ev- anston, and of which I will say that I believe there Is no better,. If as good, In any city or town in the whole coun- try. Besides being a source of con- stant benefit to the Individual mer- chant, it also establishes a common bend of purpose and Interest-ln the Commercial association adopting it. It brings a body of business men to- gether, assimilates and harmonizes them as no other thing will. And why? BecauB© in disclosing what Is on their books they show their confi- dence in one another. Credit is Too Cheap. Today credit is too cheap. Every day is bargain day at the credit coun- ter, and a good deal of credit is ex- tended without even considering the basic principles on which credit is founded. Credit is founded on the three C*sâ€"Capital, Capacity and Char- acter The-first essential is the ability to pay; the second is the continuance and certainty of that ability; and the third and perhapB moat important is willingness to pay. In the of the association spirit in jour huai- aess communities^fvtei 'y:&&?&*k valuing a credit weTtoo often guesstimate in- stead of estimate, and our zeal for business is allowed to obscure our judgment. Honesty alone should not be regarded as a basis for credit. Many cases have occurred where an Tionest debtor, because of the excess ve credit extended him, has become dis- honest. Give some men a credit of SB or $10 and it would be safe, whereas if a credit of $50 be given the^sarne debtors it would be abased, and pos- sibly result ln a loss to the ««*»*• The abuse of credit ln the retail busi- ness is becoming excessive, and to counteract and control it **£»« limitation should be adopted and closely adhered to in the extension of credit Tlimit should he placed on S account which should never be exceeded. ^M5and^^»m" never get goods to ««^Jffl ""£ A little diplomacy exercised by the merchant can retain the^ account aud a strict enforcement of ** "^J1" benefit both merchant and customer, should Be on V/«*ch- merchant rtouM he con-. r"Every stantly on his guard against excewlre Important factor working through the transportation committee of which Mr. A. H. Bowman was chairman. A member of this association gave a fine demonstration oi -*CtVR!"Priae by es- ! tablishing a bus line at considerable j expense to accommodate the citizens â-  â-  _ ,. . «.„..«•♦« i when the traction company either system as far as that one commanlty j wou|d not 0f couW ^ r|m*tnefr car| is concerned Supplementing this ef- tort should be another effort to edu- cate the community in knowing the needs and necessity of the merchant for sboi't time credits. Much, of course, may be done on this line in an Indi- vidual way, but much more can be ac- complished by the, merchants as a whole In the systematic use ol the local paper as their organ of expres- sion. The general public may seem careless and Indifferent, but ad a whole it is amenable to reason. The about the necessities of the merchant in the respect of credit. They are, as it were, on one side of a wall, the merchants being on the other. The thing, then, to do is to let the people know what you want of them and the right and most effective medium is your local paper. Be Open and Frank. "One thing more I want to Impress on you. Be open and frank with your I might keep on- indefinitely if It wero necessary to cite instances when this association has proven to the com- munity that we as an organization are living up to the expectations of the men who in the early days suggested the design for our seal. The perfect circle containing the name, 'Evanston Commercial Association,' extended held in place by the tjriangle the foun- dation of which is chfiVacter. On this rests the whole superstructure, the line to the right representing coop- | books, give them all desired facts and | data and from the correctness of my contention I would figure out for Mr. Jones that when he buys $400 worth a year he would get a refund of $16 in exchange for which he most likely would give $10O of time and labor. I would also say: If you hired me as manager I would not and I could not troublelsrf>eople donrt-know-anythinfr TeratloirTredrthe~oneTO"the teft X3Wf Pride. "To one familiar with the progress and growth of the Evanston Commer- cial Association it must be evident that the thought expressed by the seal has been largely responsible for the development of its Character, its Spir- it of Cooperation and its Civic Pride." -â€" What Randlev Said. Peter Randlev, the well-known gro- work for you as I do for myself. The conversation would then drift to: What can be done? My answer would be: Cooperate with me and agree to an all sufficientâ€"two systematic de- liveries dally. This will reduce ex- penses and I will lower my prices cor- respondingly. Buy more at home so that when we do go we will have something to go with, that also will help to lower coat. It is not that I am not faithful or incompetent. It Is you jwchoâ€"areâ€"not^ loyal enough io^your borne store. Give me the best that you have and the best that is mine shall bo yours in return." customers regarding the extension of cer and a former head of the associa- credit Let it be definitely understood j tidn. who has made a close study of by all of them that you will be as free the retail business, gave a talk which to ask them for your money as they were free to ask you for credit, and I would suggest that you put this In- plain type on your bill heads." C. D. Macpherson, former president of the Evanston Commercial associa- tion, made a very interesting talh which was received with hearty ap- plause by those present. This is what Mr. Macpherson had to say: "Mr. President, Guests and Neigh- bors- The chairman of the Entertain- ment Committee, our genial friend, Mr Hamilton, in arranging a program for this meeting notified me that I was expected to give a few minutes' talk on Civic Pride. He said nothing about jmposlng a penalty tor stepping out- side of the text. Should Build Up. „ "As rational business men it should %e our constant aim to build up our organization both as to numbers and character. As an organization of bus- iness men, we need not confine our activities to those things which con- cern our Individual Interests only, we hare as deep an interest in everything that concerns the public welfare aa any other citizens. It Is our right to take our place as Individuals In the body politic It is our duty to do so and it should be our aim to so con- duct ourselves as Individuals aa to bring credit upon ourselves as a body- It has been the purpose of this asso- ciation at all times to assist In erery worthy effort to make our city a bet- ter place in which to live; to uphold and to ccoperate with the city admin- istration la. improving municipal conr showed plainly the amount of time he must have spent In preparing his pa- per. Here is what he said: "For twb months past there has ap peared in the Record-Herald a series of articles on the high living cost, its cause and its remedy. I started out to save the copies but soon gave it up, being satisfied it was all talk. I asked a friend of mine if he had read the article in question. Oh, yes, very fine, interesting and instructive. Do you remember the $19.00 sjser that cost the consumer $99.00? Yes! I think that was one of the best of the series. It showed plainly where the money went, and that no one got more than his legitimate profit. Ton forgot one thing. The packer got the by-product, selling it to himself at his own price, and right there is where the big profit was. What impression did you get from reading about the cooperative store on the south side ot Chicago? You remember they promised three per cent for cash, six per cent Interest on invested capital, three and four- tenths per.cent refund-on purchases, five per cent sinking fund, a dividend to stockholders also selling goods from ten to twenty per cent cheaper than current prices of the neighborhood.' I have looked into this and on the ba- sis of their own figures they are losing money. Only a Beginning. "You will recall that the manager, with pardonable pride, stated this Is only a beginning; wait till I establish connections with the producer direct, and by that I assume he meant when WELCOME 8ANITARY 8EWER. Residents of Hubbard Woods are greatly elated over the prospects of the intercepting sewer being placed by the Sanitary District Trustees along the north shore villages. The villagers for a number of years have been wanting better sanitation provided for the disposal of sewage, ?/ NOW IT 19 TWENTY-EIOMT. One more bicycle was reported stolen Friday, to be added to the long list. Itwaa the property of Wil- liam Brown, 808 Grove street, and was valued at $10. All Wlrl»g GntraatMd Electric Shop Sherwood Music School by Wm. R. tlMrwttd 71t FtM Arts Bttil&taC MISS ht»imiSjl»iil»«<»%sawrPw*:P«» h fl'fM.i'isiMi twins iiwt *o â- â- â- inswca i MI4 IBCaMAN AV*MU« G. A. THOKSEK Liv/ya»dTet MtaMwTl Agtmt JflBNtW tf rMMeWcf C*, 'i mUlltimMa Ut*l»mrmm€* C» JB0ROIA KGVWt Highest Stand $3 i&£ ^^SSSfe an, Harm#iy, Counter position, vital, Violi 1 Music. Musica Loi Expression, *ot catalogue, .JESSIE K. READ 1 Business Manager 410 S. Michigan Avenue MM MlSt^SMMlMi COHSI Southeast Coratr C^lgs*** DUtmoads, M: 132 No. Stmt tor cm af ssr I I SIT RICH! DOWN AND ORDER 50RINNIS WAUKESHA/WA I Try it and see bow much m tsaa .Doa*t^#ust to mere f Yoj^aa have this pure ,.'V:totnol Expressing VOLTZ,Prop? 507 Vernon Ave. • BEST AND CHEAPEST QUICKEST, W0I. ^.ClEANm^-il jtWMSyi 'ARC LIGHTS IOB STO SPACES. Q9CA1IDS THE HOME. ^Jf RANG HEATER PUBLIC YldLXOMMrUT RTHCRN ILLINOIS :mm II SVCCESSOaS TO ?»"< The Northwestern Gas Light and Coke Co. 1611 Benson Avenue, Evanston mm -W^-W:9 TELEPHONES 89-00 81P s>3i MORRIS P A high-class line of new ud sscoad-aaad ST0VE», BUGS and HOtfflMOLD (K:^MS- :'i fltcoad-hsad Puraitnrs 1004-A rjrfSSRHON «'!'.. 1VAWSTOW ROBT^sshm Usatlatt Prkt •maaagst TELEPHONE J9$_ PkoMVinMtk*S87 LINOIS PhM« Gltaco* 400 "CZI ARRYLYNN Staple andjmcy Groceries estssmbteawh sjMon 1042 MryD. B. Macauley Studio Room phoMWlliMtteMS naiinoLi ORE STATE BANK « CAPITAU ilOO.000 f Makea loans on improved North Shore real estate from Rogers Park to HighUad Park, and on Jarmwja Lake j| county. ^_ ' it for sot lfss titan/brJnonths and multir/ei#V wis* it pays flssncs Certificates ' In denominations four percent interest i % Offers, for investm estate, netting thel: -M. sums of $500 end J. Fred koOnire, Presidsnk Ira J. G«ert Counsel ft, C. Keller Arthur mortgafes on improved real -S;-§> five and 11 in lulf-ifsf"^ 1T' '" Send for liis^^Tflllll^ 4ND DIBJEOTORS ||lslii^^^l§ CnarUs A. Wightman, Yi«eP»asWan* gntmaD, vie*-* «aaup W. v*rc4»a,0a«nisr Centra A* Banking Rooms •ni Saerlssa *©*• anTHun w. vanoos owaiw Fsvk* Si til iS^iS^M'sf&SSL ^Us^^^^K&^'SM&!0&£^!i SMiittli^BSffffifsii^^iii^^^ifi^s^^^^