“Polly sent me one of the price lists or order sheets, and on comparing it with what I pay at my own corner grocery, I find the Washington cooperator saves not less than two per cent. on her purchases at the time of the purchase; in some lines of goods it runs as high as ten per cent. but the real saving comes in the form of dividends.

“And with the Civil Service Cooperators, Incorporated, as with all societies of this sort, the woman must figure ahead in order to save. She must have money on deposit at the store or send check or cash with her order; she must order in quantities practically for the week, and she must be satisfied with a weekly or semi-weekly delivery. This plan absolutely breaks a woman of the expensive habit of sending maid or child to the nearest grocery store where she can have goods charged and delivered at any hour of the day. I presume we will find the same conditions at Montclair.”

“Dear me,” sighed Mrs. Larry, “cooperative stores present a very complicated problem.”

“Indeed, they do,” admitted Mrs. Moore. “All economic questions are more or less complicated, and it’s a great pity that we women are rarely educated to see financial administration in our homes as anything deeper than what we pay for actual groceries, meat, vegetables, etc., at the actual time of purchase.”

“You must not expect Dahlgren equipment and decorations in this cooperative store,” suggested Mrs. Moore as she led the way through the crisp sunlight down Montclair’s well-kept streets to 517 Bloomfield Avenue. “Dahlgren adds the cost of mirrors and white marble to your cuts of meat, while a cooperative store is run without frills, at the least possible expense.”

Thus prepared for simplicity, if not down-right unattractiveness, in the cause of economy, the New York quartet almost gasped on entering the store of the Montclair Cooperative Society. If there was an absence of glittering mirrors and obsequious clerks in white caps and aprons, there was no lack of up-to-date equipment and methods. Efficiency and success shone in every corner of the plant, consisting of the three-story and basement brick business block with a forty-foot front.

“In a material way this plant is one of the things we have to show for our three years’ existence,” explained Mr. Leroy Dyal, the manager of the store. “And when a cooperative society has weathered its first three years, it may feel comparatively safe.

“The store is owned by over four hundred residents of Montclair, and run in their interests by a board of directors as follows: President, Emerson P. Hains; vice-president, Mrs. Alfred W. Diller; secretary, Miss Florence Hains; treasurer, Henry Wheaton; directors, Ralph T. Crane, W. W. Ames, H. B. Van Cleve, Edgar Bates, George French, Mrs. William Ropes. You will note that we have women on our board of directors and they are extremely interested and active.

“All business is cash, or the members may, if they wish, make a deposit and draw on that. Once a week I make a budget of prices, and on comparing them with the prices in other stores of the same class I find that they run about four per cent. lower. In addition to this, while we will deliver goods, we allow a discount of five per cent. to members who carry goods home. Therefore, the housekeeper who markets here and acts as her own delivery man, using her motor, carriage or trolley, or even the family market basket, and walking, saves at the time of purchase about nine per cent. In addition to this, as a shareholder, she is paid her share of the profits on the business we do. Of this I will speak later.

“We do everything we can to popularize this store, not only with the stockholders, but with the general public. You see, we have both a dry and green grocery department, a meat and a fish department. On Saturdays we have a special sale, known as the ‘no rebate and no delivery sale,’ which runs from five to ten P. M. This is so popular as a matter of economy with Montclair people that we have great crowds during those hours, many customers arriving at four-thirty and waiting the half hour till specials are on sale. This gives us a chance to sell off all vegetables and other perishable foodstuffs that otherwise must be carried over the week-end. I mention it merely to show you that a cooperative store is not necessarily high-brow, as some women think. We try to follow all modern business methods—but we permit no substitution, adulteration, nor any other of the evils of so-called modern merchandising.