!' ‘"TREASURE GHEST
baby books
WEDDING BOOKS
ANNOUNC.EMENT CARDS
PALMERS- FINER FOOD
SERVING
DELICIOUS SUNDAY DINNERS
HOMEMADE PIES L PASTRIES
ICE .CREAM
O P E- N
7 AM to 1 AM Every Day
Serving 24 Mrs. on Fridays 4 Saturdays
SEE YCUli
WEED KILLERS
OUST" QR
LIQUID SI-RAY
POISONS
FOR
ROOT MAGGOTS
TO RID YOUR GARDEN
OF CUTWORMS'
MUSIC WHILE YOU WORK
Soft music while they work Is liked by 7
37.4^ of the office employees of Fireman's
Fun'1 Insurance Company, New York. Popular
dance unr semi-classical music rate high—
hillbilly, jive and swing trail Et end of
list. P^rs nnel manager says music "actual
ly minimises an over-p.ll noise condition
and tends to eliminate conversation in the
office."
N C W LOOK HELPS
Hew package stops sales slump. Faced with
decreased s-.Ks, Crystal Canning Company,
Frankfurt, Michigan, had industrial Be
signer, design a new package. Sales in
creased._
MVF CREDIT UNION
SHOWS STEADY GROWTH
The Matnnuskn Valley Federal Credit Union
Met on Tuesday evening of this week. In
regular session. Four directors were pre
sent. Jack Newconb, Secretary of the As
socltlon,ls away on a short trip and vaca
tion.
Reports of the Treasurer showed that the
Cpedlt Union now has over .$4000. capital
stock which represents shsres deposited by
the nenbers of the Association. Over
$5000. has been loaned out. 24 loans have
been Dade of which nine have been repaid
In full. >
HOW TORS A CREDIT UNION OPERATE?
A credit Union serves two main purposes.
It provides a neons of systenatic savings,
and nakos loans to Its nenbers. In oth^r
words, the nenbers use it to accunulate
savings and nake loans to each other fron
these savings. Only nenbers can borrow
fron the Credit Union. The use any nenber
makes of his Credit Union is entirely vol
untary. The Credit Union has no control
over what other Investments or loans the
nenber nay nako with other agencies.
The Credit Union business Is conducted by
a board of five nenbers who are elected by
the nenbers. The-Board In turn selects
fron Its number: a Treasurer, who is bended,
a President, Vice President and Secretary.
The nenbers plso elect a Credit Committee
whose job it is to approve or disapprove •
loan applications.
.^nether committee, the Supervisory Committee
is nIso elected by the members. This com
mittee' Is sort of a 'Watch dog of the busi
ness of the Credit Union. It is their Job
to audit the books and see to it that all
business is conducted properly. This com
inittee hrs the power to call a meeting of
jthe numbers should anything be amiss in
ithe handling of the Credit Union’s business*
(HOW DOES ONE JOIN?
See the Treasurer and obtain an application
card. After this card is filled cut and
accompanied by a fee of 25^, the Board of
Directors passes on the membership. In
order to vote or participate in the Credit
Union, the member must own at least one
share of Stock which is $5.00. Other shares
may be purchased at periodic intervals,or
if the member so desires he may deposit
large sums up to ?500. The present limit
on the amount of shares any one member nay
hold is "500. As the Association grows ,
this amount may be increased by the Board.
HOW DOES ONE OBTAIN A LOAN?
See ycur Treasurer and get a loan applica
tion. Fill this out and the Treasurer will
present it to the Credit Committee.
Contlnuted on page 9