Show BANKERS SURPlUS CASHIN GAS CASH IN NE NEAR R FUTURE Local Financiers Expect Better Beter Conditions From Readjustment of Business Affairs Zy B. B O. O RITE lUTE Sentiment in local banking circles circled h hl ha greatly Improved C during the tho week T Thai Tb-ar I conditions are mending and that tIter then will 1 bf be a a. further improvement Is II the tho pre prevailing pr- pr ailing s-ailing opinion The rho situation Is Ie mil stil It somewhat complex and former fornier do not a apply This Is la duo dUe to t tl tc he change t that were nero forced force upon tie the banks b uton by war ivar n ru n I Europe and anti tho the changing of f tin lii i system to apply th the tho n nw w banking lets law Jr Ir previous times of financial strain tin hi apex of oC the thc loath load lod could bo ho measured b 1 1 clearing house loan certificate and theIr thelt thel retirement meant pro progress toward towar equilibrium At Al the present time tm ho however however how how- ever cr th those these e certificates represent a minor part of oC tho fins financial relief Thc Tho turning of tho the monetary trio tide Uro wll ivIl I In lii the tho future be followed b boat best sl In li lh emergency currency issue That houk PASS Us Its maximum J very crr soon toon as n. n Is I bc i lu Illustrated b by a recent report of or the Ness Nev e York lork clearing house reserve which at t online on on- time line Ur stood tood at nt and rind which ha be- been reduced to less Ices than Th li moment the maximum pout point It h ckarl passed cd there thero should b be b a pint middon alum slump crl il Ii i money rates In lii the tho financial c center cOnters will wi be lie CI caused uM 11 b by the Urge volume o 0 emergency rone money fn rn I lion ton with wih a R general restricted a awe i we aro are experiencing I Bankers Banker's Prediction j A prominent I local I banker who ha lisa lias lap I Internals Interests In tho tie cst and Is I Interested 1 t I H I number of or banks has hit to til- til effect that a u great deal of money wll II now Ibis Into 1110 nil all ni channels of Janary J 1 I. He lie goes 10 so 10 far nr as n to r ray tha tita banle bankers In may bo be afflicted with lh t their oli oh disease casy easy mone money Depositor h. h luv- luv bl ben been J piling up their mono monc money Angus U I 1 and arid banks bunko have hate reduced their loan an I In itt Homo seine Instances even event to tl nd rid vance vanco the usual mal amounts to ih II lie I niti chants to get et their new a stocks locks rho Tho r n- n suit nult ful is that thai t banks nil all ni over O lr the countr have havo more cash Ch on hand hanl than over O on be beor and den tho time money will wi soon son become a bur burdon den All J 1 business is I moro more nearly on a b basis le titan than the tho te world orld has o el over ex before People are living Jiving within thell thel means because credit can cn not be obtained Insist upon their customer cUstom r settling up at least lest once n a month an nn anthe the thc trades people with small lal stocks Blocks ad adfor sl for cash only as 01 they thoy have to pay foi COI or their goods Jos upon del er delivery p People an art Rl learning to go slower or at least not t tr trIvo lIve Ivo beyond their men moans means Merchants ar an al holding their b offering special Inducements Inducements In In- In tho the way a of ot low cash prices Commodities that were svere Ad advance sharply immediately following the decla- decla at alun un of i f war In tn Europe arc aro coming had hack to normal Keener competition Is II causing caUbIn In Ing the merchant to handle buln business s noon mori mot expeditIously He lie le wants to see lee his hla good goodr h o mo and slid handle handlo tho the money more mor otter orn than form formerly rl when ben he waited for l trade e to conic come to him He Ho Rd ert advertises e more offers otel big bh br bargains and an gets geta et pom fmc from rota being bu busy which causes cause him to forgot forget so 80 man many of ot the trouble troubles depicted b by tho time plodder Careful Buying Dreaming l into to the future Is b no part of ot the tho te bUI busy mans man's day when ho lie learns the tho newer methods metho of hustling and isn't Rno th tho hii results it brings He le buys closely and replenishes his hs stock stoc almost from day cay to day Ills Ils profits aro are smaller but he be Is I doing more business and he la Ii happy His banker catches tho the fe fever fer r as 88 Ul the merchants makes more mora fr frequent depo deposIts IU and arid the financier rays as a's J 1 1 haven't havon t hal hail time of ot late to study the te effects of or this war for fore we e are aro ro doing a lot of or business It I seems this country countr of or ours our ourt Is 1 less les de dependent dependent dl- dl de- de pendent upon forel foreign n trade trado than I thought and wo we 0 get et reports report that our enort ct- ct nort tm trade e IM is li crowing and Wo so ar are hl ing less of ot t tho i-ho foreign wares each 0 diV day All bankers were clat elated over th the clear 1 Ing house houp sta statement today Even E th thue v r who have hayo been trying to persuade themselves themselves them them- selves elves that conditions were cro croo o wor worse o c than reported have havo begun to seo see the light It ItIs ItIs I Is admitted that wo we 0 have havo new now conditions to meet and arid that the rounding out out may maybe maybo raY bo be b a a slower slower- process than many have anticipated But lut that we have hae a aon wonderfully won won- on resourceful country countr Is conceded and on the tho cream of or It Is In tho the West Vest Nam Banks Dank are arc tarrying carrying cash reserves well wen over the tho amounts sequined required h by law JW and nil somo some of them Uler are Inclined to b be por lenient nt In tho the matter mater of at loans lons to buan business u people The Tho Investors Investor are aro looking Oy over r rte the list of ot bargains in securities and tem stem te to realize lat that it I is about abut Ur time to start picking up some somo of ot these thes offerings 11 Into in the tho local securities market there has bits b been D n na nn a n to better lol class of bu buying arid and more InquirIes In Inquiries In In- quince boter during cs tho the past week cel nn than An n durin time Ume since stock exchanges were Developments eto In the business world during the tho remaining weeks of the tho month montii durn will be closely followed as n It is the general germ gen wi outon outon out outon that this eral Impression crl busts basis will rail for a it new flew business ll on a wi the old meth nieth I number of changes over o meho o When tho the regional 1 banks are we well el I under way the financiers think we O wm will 1 liberal ral toward experience a more mor l a all I business bulnes b by tho the banking Interests |