ff |///i/ii7/f,**tp THE BUDGET SYSTEM AND DEPOSITORS' HANDBOOK BY EDWIN C. HYDEN 4 CONTENTS Page Page Money is Power 2-3 Calendar 17 The Secret 4 Where You Start 18 Planned Procedure 5 Your Budget Records for Salary for Home Manager . . G one year 21 to 55 Income Chart 7 Inventory Personal Property 56 Distribution Chart 8 Worth 57 Explanation Weights and Measures ... .58 Apportionment 9 Business Laws 59 Extra Income 9" Personal Memoranda 60 Record Charts 9 Automobile Record Chart ..61 Fat and Lean Periods 9 Largest Cities in U. S 62 Utility and Purpose 10 Distances Between Cities ..63 Value 10 .Parcel Post Rates 64 Obligation 10-11 Rates of Postage 65 A Man's Book ...10-61 Interest Calculations 66 Inventory and Worth Formulas and Tables 67 10-19-20-56-57 Balanced Ration Chart . . .68-69 Model Charts 11-12-13 Greater Reward 70 Monthly Segregation Chart 14-15 Home 71 Recapitulation Chart 16 Interest Chart 72 NOTE. The Author will give $100.00 for each suggestion that is adopted which tends to make this book more useful. A "Greater Reward" is pictured on page 70 for the ones who use this book. Copyright 1922. EDWIN C. HYDEN Dayton, Ohio 1 MONEY IS POWER Like the waters of the Great Niagara, American money pours forth in abundance and power. The man who saves a portion of that which he receives will, in a short time, find that at compound interest its power is increasing with most remarkable rapidity. Its ability to do his work and al- low him to begin to think of ease, content- ment, harmony and happiness in his latter years of life, soon begins to manifest itself. Niagara, the mighty giant of power, if properly harnessed is capable of doing the work of thirty million men a day. This de- velopment of natural resources and other similar projects, such as irrigation, recla- mation, cultivation, only await the neces- sary accumulation of wealth. If ten million American families would make up their minds to save ten percent of their income for ten years, investing only on the advice of their banker when five hundred or a thousand dollars has been accumulated, their success, and the future success of their chil- dren would be assured. Savings invested, not only works for you day and night with accelerating force, but buys science, invention and engineering, builds homes, highways and industries, and last but not least, educates your children to take part in this great development. The problem of SUCCESS and ENJOY- MENT of a long life is solved by the man who has grit enough to say "I will save NOW while I have earning power." Don't envy success enjoy it. Remember the failures in life are the ones who intend to save next pay day. R30S87 THE N^lfttfAXlfldiftfp ptfDGET SYSTEM * DEPOSITORS' HANDBOOK. WHAT IS A system of charts for recording savings IT? and expenditures. WHAT To give you a PLANNED PROCEDURE FOR? for obtaining happiness, success and pros- perity. HOW? By daily USE a greater joy is experienced in spending less and saving more. SUCCESS IS YOURS A PLANNED PROCEDURE assures it, when you definitely and positively decide to "do or die" in order to gain that which it is your right to have. The very first step is to set an objective for yourself something to work for because without some aim in life one does not get very far. He who intelligently plans his spending CAN SAVE and that is the surest and most direct road to any ob- jective, and the Secret of Success. You may want to go into business for yourself. You may want your children to go through college. You may want a beautiful, well furnished home an automobile and a large bank account. These are all possible to him who makes a well planned start and wlgen peace, confidence and security begin to grow, along with your savings account from then on the way gets easier. It has been said that the world owes every one a living; true but every one owes himself a savings account. Saving is easy when you systemize your expenses. Governments, large business concerns, and successful business men in general find it profitable to use the Budget System of Expenditures, so why not use it in the Home? The use of the National Home Budget System will simplify the making out of your income tax report. Merely by glancing through your records and noting the many items (such as gifts, etc.), which may be 4 deducted, hours of hitherto hard and conscientious study will be eliminated. The National Home Budget System teaches you how to be successful and will do away with periods of being hard up or going through the humiliating exper- ience of borrowing from your friends, or still worse, borrowing at extortionate rates of interest. The following charts, if strictly adhered to, will make you happy and all worry as to how you can meet your expenses will be eliminated. When your bills come due you will have the money ready to pay them. The first thing to do is to open a savings account at some reliable bank. Apportion your income to a definite percentage as shown in the chart below. MARRIED SINGLE Single people, as shown by the chart above, especially sons and daughters working and living at home, should be required to contribute to the general family income 50% of all they earn, saving 20% in their own name and having a balance of 30% to be equally divided between clothes and amusements. This discipline will prove most advantageous to these young folks, for so many boys and girls are allowed to spend practically all they earn prior to marriage then when the time conies for them to maintain a home of their own, it is extremely difficult for them to curb their desire to spend money for unessentials. Most every one knows how to earn money, but the important thing is how to spend wisely. Save Spend Enjoy life and be happy, but be sure to follow this system, until you learn how to spend. It has been stated by expert economists that if 75% of the world saved 10% of their income, no one would ever know what "Hard times" meant. The use of this system of charts, along with a combination journal and ledger contained herein, will enable you to keep an accurate account of your home expenditures; stop the leaks, and put your home on a firm foundation. It's good business try it. SALARY FOR THE HOME MANAGER: This system can readily be applied so you can employ, on a commission or allowance basis, your wife (or house- keeper) by making a percentage allowance of your total income to the home expenses. Example: If your income be $3600 per year and you do not wish to spend on the home more than, say, two thirds of your income, allow $2400 for your wife; give her this Home Budget System to work by, allowing her whatever she can save or the savings account in her own name. The balance of $1200 can be used for your own investments, personal expenses, club dues, presents for your wife, etc. (A box of candy or a bunch of flowers occasionally is an in- vestment that will pay dividends of happiness.) The Model Daily Expense Record on page 12 is self-explanatory. On pages 22-23 will be found the first month's Daily Income and Expense Record Chart. Twelve of these charts alternating with Obligations to Meet Charts form a journal with which you may keep daily records of expenditures for one year. ^ 88888888888888888888SS88 O5 O CO CD O5 C^ O 00 T- I ' . CO CD b- O lO -H OOOOOOOOOOOOOOOOOOOOOOOO O5 (N rt< CO O5 i-* ^ CO CO rH CO CD 00 O CO iO 00 O (N 00 O (N r^ CD O ^iO^O4OOCOC jsPOOOOOOOOOOOOOOQOOOOOOOOO O^ 00 ^ O CD (M 00 "tf O CD O '^O TjH 00 CO SOQOOOOOOOOOOOOOOOOOOOOO 00 O CQ "^f CD 00 O O3 ^ CD 00 O C^ ^ CD 00 O pq ^ ^O t^- O ^ OOQOOOOOOOOOOOOOOOOOOOOO C^CpO^COC^CDO^OO(NCpCDTtiOOOs|CDO^OOO^OOp !> O5 OQi T^ CD Oi '^ T )^-HCOCDOOOCOkQOOO(N^CDO^ JCOCOCOCOTjH^TfrtiOiOiOiOCOCD gher 15% a OC Sgl bfl l| 111 fc o w o c o *-> *J-S -M 15 ^ "2 - 13 ill if < iriii et C 0) 3 C v n C J1 EXPLANATION APPORTIONMENT. (1) Your income, salary or wage should be divided into six portions of such percentage as is indicated by Circular Chart on Page 5, and distributed over such expenses as you may have that are shown in Distri- bution Chart on Page 8. It is not likely that any one family will have all the expenses listed in this Chart. The main point is to adhere as closely as possible to the percentage shown, especially the savings. The percentage for shelter (that is rent or home payments) may vary somewhat, as for instance, if you are buying a home you may cut down on your luxuries or some of the so-called necessities of the higher life percentage and contribute this amount to your home. EXTRA INCOME (2) It is also quite possible that you may have addi- tional income at irregular times, such as extra work, overtime, interest, dividends on investments or a bonus. If you are living in accord with your Budget made up from your regular income you can and (to gain your great ambition) should add this total extra income to your savings account. RECORD CHARTS. (3) The Model Daily Expense Record Chart on page 12 is self-explanatory. It shows how convenient and easy a complete daily record of expenditures may be kept. The Model Recapitulation Chart on Page 13 shows the monthly receipts, disbursements and balances for one year. The ledger consists of one of these Charts together with a monthly Segregation Chart which will be found on Pages 14-15-16. FAT AND LEAN PERIODS. (4) This gives you a book which will enable you to keep an accurate account of your home expenses for one year. It will be noticed in the Recapitulation Chart that the balance in the checking account grows, up to certain periods, when possibly new clothes, the winter's coal supply, or a vacation is needed f> then the fund which has been growing is used for this purpose. 9 UTILITY AND PURPOSE. (5) The purpose of this Home Budget System is to make it easier for Home-Makers to save, and still have all the joys to which their income entitles them. The family, using this system for a short time, will see it is easy to save and still have sufficient funds for all necessities and the little luxuries that make life worth living. STICK TO THE PERCENTAGES don't eat too much; Don't pay too much rent; Let the home man- ager use this System and make the home harmonious. VALUE. (6) In the model records on pages 11-12-13 are shown the method of keeping daily and monthly ac- counts; the scrip showing the place to^ enter your daily, monthly and yearly expenditures, income, bal- ances, savings, etc. Most of the entries are made at the end of the month, when bills are generally paid. The cash or checking balance will vary with different sea- sons, etc. the 4th month new spring clothes were needed; in August, a vacation was taken; in September no gain was made because of the purchase of the win- ter's supply of coal; in November and December the surplus was used for Christmas giving, etc. At no time was any difficulty experienced in making the Savings Deposits. All necessities were provided and $240.00 saved in one year. OBLIGATIONS TO MEET. (7) Obligations to Meet Charts (model on page 11) will enable you to take care of your obligations which you know will become due some time in the future, even though it be six months or a year in advance, such as insurance, taxes, water rent, notes, mortgages, etc. A MAN'S BOOK. (8) Every man will find this book an indispensable pocket companion, an index to his whole financial movements, systematic- ally arranged for the whole year. What man does not want to keep tab on the upkeep of his auto, gas, oil, tires, etc.? See chart on page 61. INVENTORY OF WORTH (9) On pages 19-20 will be found charts for making an in- ventory of your worth today. On pages 56-57 will be found sim- ilar charts for determining your worth one year from today. A year's use of this book will convince you of its value. If it has not been worth many times the price paid, your money will be cheerfully refunded. 10 * CU * I I ! I I M I I I . I ^ 10 o PQ :S: : : : : :S: : A ' ' ' O CO CO S : fin o: : : : oo : :o:cn: : : : : _.,. O (U jrif! ; ;JE; ;?;?; ; i ; ; U) :2: : :i2: :CM:CVJ: : : : : O*O- 'O- -o-O o 3 p o-iO' -o* o Hi ' -/^ '-..'^ io* o ;: :^t-: : : o: to CO W O PH s 2 E C . C C G PQ W CQ CQ PQ C 5p. ^C ^G ^C 1 g: IS 1 {- 1 1 r < o ^ g TOTALS 11 g : c: r r : < . . . 3: : ; iiuo! & i M . ^. . . . W.M.- "* *"*** > Uii> tj- | ; ; ; z; ; ; : fM; 3j ; g I 06 06 06 oo 03: fjy CO: "*' * w cvj. co: v^>. vs: oo. tJ\ cO. 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CO 2 w it o B S ^ co rt "3 m ^ 03 CO KH ?a .ti.S^ 2 > c .rt ea t3 :::::: ^ * C3 Q &C/2M Q.S w | a H II w 3-S (x) :::::::::;:: c ; ; ; ; ; ; ; ; ; ; ; ; RECEIPTS ice Income Tot >rw'd for Month Ca :::::::::::: :::::::::::: J _^t rt fc -: pq g d o s J "2 -d -a J3 j: js jd jcs 4 "S *S CO C l_i-M4->.}->4->4J-MO' H cs es HNONNOPOO d H es es -i \o PO o ** J _ T-I CM . a - es es > -, 00 10 CS ON tf ** < < < es ... 2 ^ ^^ ^ es 0, H^S^ct; : : ^ , . t^ Tj< H 00 ~ - cs es ^ - ^4 TH es ^CSONVOPOO . g i ^^^; Q ^ ^2^;^^ -i oo o es ON CO cscs CO . T-, ts es ON NO POO CO T-I esro ^^SSe^S : ^^^^S : ^^2^:^ : : * N *S88 : - es es g Zj CS ONNOPO O H es PO 1 ~ CS CS ** I*"* i-iCS CN >< ^ H es > ^H T-l CS a *H es es > .t^. T*<^(00 > ^eses s H .^^cscs H 2^4CSPO H . ^cses g l^sss _, CS ON NO PO O z g i^SSes : co :^^2cs CO "" i2 cs cs CO ^H es i -es MNO , ss o TH es cs !* & rpHoe>o 5 *-i CS Id " CS CS r 1 ^ y-t cs 3 > . t>. <$<-, oo ^ I^^Sc^ S ^^Ot^^J^H . S3 a "* ^i es es r. -IT) CS ON NO i-l H CS r^ ^ ^-i cs PO ^ . \T) es ON O , *H -t CS ,< i-H TH CS (< *-i es cs CO l^-^S CO i^SSes 1 i CO -H es cs W^^cscs . C/3l/> "'-eN ^^^^e^S : as T-I'-I es H ^^ es PO PC * "^i^ : p ^SSSS << !> ^ es PO tf ^ ^^J^es ' N] H NOk ^S^ S r, H 00 10 CS ON H ^^SS : ^^oo uo es ON . o. -q< ^H oo ^ ^E | Amount Due | Date Due | Amo a. CtJ p (X rt S ^4 ^ ^ Jd C C C G oj o3 03 nJ CQ CQ CQ CQ CO CO CO 0> fcJO taO U) U) . c .2 .S .S CD C/? C/5 C/? Ui J- U *-i ^ > ^ > TOTALS ITEMIZED HOUSEHOLD INVENTORY Value Value Linen China Kitchen 19 INVENTORY AND BALANCE SHEET SHOW- ING WHAT I AM WORTH TODAY. Date.. ..192.. CREDIT: My Property consists of My Obligations are: DEBIT Cash on Hand Bills Due Cash in Bank 1 I Real Estate Mortgage Bldg. Loan Furniture j Other Loans Fixtures | Auto-Boat Interest Due Stocks B onds ii*- ' 1 j j] ' __ Total Total Deduct Debit Amt. I AM WORTH How much will I be worth a year from now? S3 r stematic Saving (deposit weekly) will increase your "Worth." Next year's inventory will show progress. 20 o 1 o s g M s o H 02 O H- 1 H 2 H-4 ^ PQ O 8 p 0) p i n M rt nJ n 'c3 p t 3 7 3 P 0) w J n "a i : 3 a ; w FIRM OR PURPOS J* ^4 JX ^4 S) So & So .S .S .H CD CD (/? J? VH Ui IM IN 1 1 I 1 TOTALS 21 CO *-3 S sis > r . CX 3 I:::::::::::::::: h F I s bo g "o V 15 I a Tr o +, .* I 1 O-CNro^^O^ 22 f* ss bo ^G ;;;;;;;;;;;;;; O bo If Is i i i i i ! i i ; i ; i ; ;' 30OO-"CNfO^iO>OrOOO^ "* fH^estststJScsfScstscscsfo "5 If bo Sf Total Savings Saved or 1 Exceeded 23 1 >-; en rs.2 c fa E 5S Cfi 24 7 w * ca.u ? la O .So Q 1* If fs c*2 o 3 a >s rtX C^pt5 3 J? 1 2 o OvO'-"^'*>^'^^O^QO^O ** '-<^ i fNfs i_ 3 c B a *^ c/^ 3 o TOTALS 26 3 ** 2 js 1 n d s 3 o < Q H d i | o < g . i 5 cu oi s ^i -i4 ^ ^i M PQ a a a a .s .s .s .s > > > > en en ? H 2 * '" ~c "*& H I o gi 36 ft u : : ' u II ll l Saved or Exceeded I rto 3 aOCKO-.eSjq^JiqO^WONO^ H 37 1 3 & 1 Q 9 J5 *3 A A* o < II 1 n | y a _- w s 1 cu 0< s E ^ JM ^4 ^ c c c c cd oj ctf rt a a a a .5 | | .S C/) ($ (/) C/? S S S S o o o o >, ;x >H > TOTALS 38 1 | l Q I Q ^ .2 e 3 o 0) 3 J Q c 1 < Ed : : : : : : : FIRM OR PURPOS] 1111 CQ OQ PQ CQ So So ba S) . .5 . .^ c/) en c/) c/5 V- U. t-i Ui TOTALS 39 8- o a o o a 14 2 33 a RH * 33 to .S 40 1* 41 >r _p . i h 3 o. -i rj* w s ig < i bo 3 1 bfl i o u V "o 5 'S 8 W J _ NCOME o.+- w f I s =. fe ^ I s 42 .ss (SO*' F *5 43 o 1 S O N 00 2 O H-l N < O 1-4 -) CQ O n CD Q m n o "r3 " d C i V a c a M FIRM OR PURPOSl C C C rt oJ rt a CQ OQ CO CO CO bo 60 t .2 .2 .2 > > T i i 1 CQ CO fi ^c 1 L 3 TOTALS 44 3 Q . . . 0) rt J Q 1 .2 S3 . . n 5 ! *j c 3 6 ^ 8 Q i 1 1 "d a o I li FIRM OR PURPOS] ^ i ^i JA ^4 G C C C oJ o3 rt rt W CQ CO tO 05 00 bo bfl bo bo C C C C "> '> "> *> c/) en C/D c/? Ui Ui IH U 3 P 3 S TOTALS 45 8 O A +* s (H O *s O) CO S a ^ *d d 0) M *> *> "> CO (/} O) C/? u w, u, far "'-'*". 1 1 1 1 TOTALS 50 1 Q 1 a n M P* * c g < I Q 0) ti Q 4> 1 Q M ^jj w in . I a- S C C C G CO CO CO CO bo bfi b/0 bfl .2 .2 2 .2 *> *> *> *> CO C/3 C/) CO u. u w. u. 3333 TOTALS 51 o t*-4 1 u 4 Within 50 miles, 1st zone 05 .01 50 to 150 miles, 2d zone 05 .01 150 to 300 miles, 3d zone 06 .02 300 to 600 miles, 4th zone 07 .04 600 to 1,000 miles, 5th zone 08 .06 1,000 to 1,400 miles, 6th zone 09 .08 1,400 to 1,800 miles, 7th zone 11 .10 * 1,800 miles and over, 8th zone . . .12 .12 "Includes non-contiguous possessions. Restrictions Four ozs. or under, Ic per oz. Over 4 ozs. considered 1 pound. Fractional pounds consid- ered pounds. NOTE Local delivery within first and second zones, weight limit, 50 pounds; balance zones, 20 pounds. Books over 8 ozs. carried at parcel post rates ; under 8 ozs., Ic for each 2 ozs. 64 RATES OF POSTAGE. For United States, Alaska, Cuba, Porto Rico, Hawaii, Guam, Tutuila and Phillippine Islands First-Class Matter, two cents an ounce. Letters and all other written matter (whether sealed or not), except- ing manuscript copy accompanying proof-sheets, also all matter sealed, 2 cents an ounce, excepting drop letters at NON-CARRIER offices, 1 cent an ounce. Postal cards Ic each. Return cards, 2c each. Second Class, one cent for four ounces, Newspapers and periodicals, published quarterly and oftener, and en- tered as second-class matter. Publishers' rate, Ic a pound. The general public pay by affixing stamps at the rate of Ic for each 4 ounces or part thereof, when not sealed. Third Class, one cent for two ounces. Books, (print- ed, not blank) circulars, other printed matter, proof- sheets and manuscript copy accompanying same, photo- graphs, catalogs, valentines, sheet music, chromos, post- ers, lithographs and printed advertising matter, all, when not sealed, 1 cent for 2 ounces, or fraction there- of. No writing allowed. Sealing. Any matter is regarded as sealed when it is not so wrapped as to allow of a thorough examination without in any way injuring the wrapper. Registration. First, third and fourth-class matter may be registered at any Post Office. The fee is 10 cents in stamps in addition to the regular postage. Special Delivery (extra, in addition to regular post- age), ten cents. Postal Money Orders. Sums not exceeding $2.50 3c $20.00 lOc $50.00 18c 5.00 5c 30.00 12c 60.00 20c 10.00 8c 40.00 15c 75.00 25c $100.00 30c 65 INTEREST CALCULATIONS. RULE Multiply the principal by as many one-hundredths as there are days, and then divide as follows: Per cent 4 5 6 7 8 9 10 12 Divide by 90 72 60 52 45 40 36 30 EXAMPLES Interest on $100 for 90 days at 5 per cent: 100 x .90= 9.00 divided by 72=1.25; one dollar and 25 cents; on $1 for 30 days at 6 per cent: 1 x .30= .300, divided by 60= .005 (5 mills). TABLE Showing the number of days from any day in one month to the same date in any other month. From To Jan. Feb. Mch. April May June January 365 31 50 90 120 151 February 334 365 28 59 89 120 March 306 337 365 31 61 92 April 275 306 334 365 30 61 May 245 276 304 335 365 31 June 214 245 274 304 334 365 July 184 215 243 273 304 335 August 153 184 212 243 273 304 September 122 .153 181 212 242 275 October 92 123 151 182 212 243 November 61 92 120 151 181 212 December 31 62 90 121 151 182 From To July Aug. Sept. Oct. Nov. Dec. January 181 212 243 273 304 334 February 150 181 212 242 273 303 March 122 153 184 214 245 275 April 91 122 153 183 214 244 May 61 92 123 153 184 214 June 31 62 92 122 153 183 July 365 30 61 92 123 153 August 334 365 31 61 92 122 September 303 334 365 30 61 91 October 273 304 335 365 31 61 November 242 273 304 334 365 30 December 212 243 274 304 335 365 EXAMPLE How many days from May 5th to October 5th? Look for May at left hand and October at the top; in the angle is 153. In Leap Year add one day if February is included. TABLE Showing the time in which a sum will double itself at the following rates of interest. Rate Simple Interest Compound Interest 2 per cent 3 per cent 4 per cent 5 per cent 6 per cent 8 per cent 10 per cent 50 years 33 years, 4 months 25 years 20 years 16 years, 8 months 12 years, 6 months 10 years 35 years, 1 day 23 years, 164 days 17 years, 246 days 14 years, 75 days 11 years, 327 days 9 years, 2 days 7 years, 100 days 66 FORMULAS AND TABLES. To find diameter of a circle multiply circumference by .31831. To find circumference of a circle multiply diameter by 3.1416. To find area of a circle multiply square of diameter by .7854. To find surface of a ball multiply square of diameter by 3.1416. To find side of an equal square multiply diameter by .8862. To find cubic inches in a ball multiply cube of diam- eter by .5236. Doubling the diameter of a pipe increases its capac- ity four times. Double riveting is from 16 to 20 per cent stronger than single. One cubic foot of anthracite coal weighs about 53 pounds. One cubic foot of bituminous coal weighs from 47 to 50 pounds. One ton of coal is equivalent to two cords of wood for steam purposes. A gallon of water (U. S. Standard) weighs 8^ pounds and contains 231 cubic inches. There are nine square feet of heating surface to each square foot of grate surface. A cubic foot of water contains 7j4 gallons, 1,728 cubic inches, and weighs 62 T / 2 pounds. Each nominal horse power of a boiler requires 30 to 35 pounds of water per hour. To sharpen dull files lay them in dilute sulphuric acid until they are eaten deep enough. A horse power is equivalent to raising 33,000 pounds one foot per minute, or 550 pounds one foot per sec- ond. The average consumption of coal for steam boilers is 12 pounds per hour for each square foot of grate sur- face. To find the pressure in pounds per square inch of a column of water, multiply the heights of the column in feet by 434. 67 CHART FOR SELECTING A "BALANCED RATION" The selection of a "balanced ration" from the chart on opposite page can be made, so that; one can live within their means, and at the same time "Eat and grow fat," or "Eat and grow thin." In general the average adult person to maintain their proper weight according to their height, should consume between 2,400" and 3,600 calories every 24 hours. The term "bal- anced ration" means the adjust- ment of nutrients in the food in such a way as to secure complete and perfect nutri- tion without load- ing the body with an excess of any one element. This is also an impor- tant point on the score of economy. A large percent- a g e of all the earnirigs of man is expended for food products, and hence these prod- ui c t s should b e used in a manner to secure the best results possible. If, by a practice of scientific nutrition 10% of the value of foods could be saved, it would create a fund, which, could it be utilized, would minister in the highest degree to the comfort and welfare of the human family and form an abundant pension' for old age. The term calory is used to denote the amount of heat forming material contained in one unit weight of a food product. Harvey Wiley. It should be noted, while a pound of any certain food may contain more calories than a pound of some other food ; that doesn't mean' it is more valuable. Milk is considered by many as the most perfect single food item, and the chart shows it to have a low calory value compared with other food. Therefore a great deal of study and experimenting is necessary to balance a ration to fit each particular person's need. But the chart on opposite Eage should be useful inasmuch as it shows the percentage of fat Dund in various food and as a general rule fat people are fond of food in which this percentage runs high and thin people eat spar- ingly of this same food. WHAT A WOMAN WHAT A MAN SHOULD WEIGH: SHOULD WEIGH: 4 Ft. 10 in. 108 Lbs. 5 Ft. 1 in. 120 Lbs. 4 " 11 " 112 " 5 " 2 " 125 M 5 " " 114 " 5 " 3 " 130 " 5 ' 1 " 118 " 5 " 4 " 135 M 5 ' 2 " 123 " 5 " 5 " 141 " 5 ' 3 " 126 " 5 " 6 " 145 " 5 ' 4 129 " 5 " 7 " 150 " 5 ' 5 " 133 " 5 " 8 " 154 M 5 ' 6 " 137 " 5 " 9 " 159 M 5 " 7 " 142 " 5 " 10 " 164 < 5 " 8 " 146 " 5 " 11 " 169 " 5 " 9 " 150 " 6 " " 175 " 5 " 10 " 154 " 6 " 1 " 181 " 5 " 11 " 158 " 6 " 2 " 188 " 68 AVERAGE COMPOSITION OF COMMON FOOD PRODUCTS. U. S. DEPT. OF AGRICULTURE, BULLETIN NO. 142. FOOD u "rt T3 > v- C "^ K % i* en ctf O CD CD *- b ^ ^ TO +J O o o bJO (73 H 2 OJ a CTJ < | 1 s 5 i O ^ ii ^ si w Ctf ^ > CD ^ w "S S-H rt H . ^u ^35 CD < CD l_ ^t-{ HH en o HH * r" 1 i > ^ VH CD s-s CU i-s .S o v ^ 1> cu ^ SH O c/3 J-, ^H ^ bJO O ^ 13 . X M-l ^ f^ i Cu HH ^-> r-H I'M IH *& 5 as ,0 C3 O HH M "~ l ^ ^^ ;tJ P-S'^ ^ CD h <'3 g 4 ^ >, ^ x - - JH LH C^ CD CD Kftt Sli'i-l ^ g- ^ CU CD 'Sal w - ":o" hi >> en --2 s en T CD T3 S G CD ^ CL> >- 5-H o PQ 71 CD ,g O b^O CD C/3 CD cu cu p o CD O O bjo I u. O 0) Q> .S '-5 . Sf J.i OC C if! li t .2 1 g O u S U O | J 3 ^ II 3 S a 3< ?| Q ^H g W J* M S C/3 ^2 OH O Cjj r>. S 1^ o S OB I -^^OOOT H 0-HO^C ) v^ oo <^ IN t> IH FH (N (N I- fC 0^ VO f*5O^sOO 00 O^ . f< 5.' ^ rf vO 00 ^ fC s jiiioSiisss t b O 1! C3 cp ^ ^ V 03 ^ CO M ^ 72 H JNJL V Jii KBIT Y U.t' UAJLilJb'UJftJN .L UU I D ! 530H87 UNIVERSITY OF CALIFORNIA LIBRARY ***Msr