Mary Owens Crowther

“ I can offer to you not only their expert services but also the continuity of a great institution.
Individuals die. Institutions do not die. If you will turn over in your mind what may be the situation thirty years hence of any individual whom you might presently think of as an executor, I believe you will be impressed with the necessity for the continuity of service that can be offered only by a corporation. In many cases there are personal matters in the estate which a testator may believe can best be handled only by some of his friends. ”

“ At first I was very sorry when I found that the sun had hidden his shining face behind dull clouds, but afterwards I thought why he did it, and then I was happy. The sun knows that you like to see the world covered with beautiful white snow and so he kept back all his brightness, and let the little crystals form in the sky. When they are ready, they will softly fall and tenderly cover every object. Then the sun will appear in all his radiance and fill the world with light. ”

“ When an executive drawing a high salary must write a letter, it is his time and not the time of the stenographer that counts. He cannot be kept waiting for a stenographer, and hence it is economy for him to have a personal secretary even if he does not write enough letters to keep a single machine busy through more than a fraction of a day. Many busy men do not dictate letters at all; they have secretaries skilled in letter writing. In fact, a man whose salary exceeds thirty thousand dollars a year cannot afford to write a letter excepting on a very important subject. ”

“ We wish to win not only your patronage, but your friendship for our store.
Every up-to-date woman realizes the many benefits, the conveniences, [203] and even prestige she enjoys through having a charge account at a dependable store.
A store, in turn, is judged by its charge accounts—it is rated by the women who have accounts there.
And so, because of your standing in the community, if you avail yourself of our invitation to do your buying here, you are reflecting credit both on yourself and on us. ”

“ No one can go far wrong in writing any sort of letter if first the trouble be taken to set out the exact object of the letter. A letter always has an object—otherwise why write it? But somehow, and particularly in the dictated letter, the object frequently gets lost in the words. A handwritten letter is not so apt to be wordy—it is too much trouble to write. But a man dictating may, especially if he be interrupted by telephone calls, ramble all around what he wants to say and in the end have used two pages for what ought to have been said in three lines. ”

“ The average writer of a letter might well forget culture and posterity and address himself to the task in hand, which, in other than the most exceptional sort of letter, is to say what he has to say in the shortest possible compass that will serve to convey the thought or the information that he wants to hand on. ”

“ The answer to libel is truth, but not always, for sometimes the truth may be spread with so malicious an intent as to support an action. It is not well to put into a letter any derogatory or subversive statement that cannot be fully proved. This becomes of particular importance in answering inquiries concerning character or credit, but in practically every case libel is a question of fact. ”

“ If the function itself is going to be very different from usual then the invitation itself may be as freakish as one likes—it may be written or printed on anything from a postcard to a paper bag. The sole question is one of appropriateness. But there is a distinct danger in trying to be ever so unconventional and all that. One is more apt than not to make a fool of one's self. And then, too, being always clever is dreadfully hard on the innocent by-standers. ”

“ Discovering the exact cost of a letter is by no means an easy affair. However, approximate figures may always be had and they are extremely useful. The cost of writing an ordinary letter is quite surprising. Very few letters can be dictated, transcribed, and mailed at a cost of much less than twelve cents each. The factors which govern costs are variable and it is to be borne in mind that the methods for ascertaining costs as here given represent the least cost and not the real cost—they simply tell you "Your letter costs at least this sum." ”

“ The fact which most concerns the buyer of real estate, provided he is otherwise satisfied with a property, is the title. The title is the legal term by which is denoted the exact character of the ownership. Quite frequently an owner may believe that he has a clear title when, as a matter of fact, his title is derived through some testamentary instrument which gives him a holding only for life, or perhaps trusts have been set up in the will which are a charge upon the property, although all of the beneficiaries of the trust have been long since dead. ”

“ Many a credit grantor with a perfect record with respect to losses may be a business killer; he may think that his sole function is to prevent losses. His real function is to promote business. The best credit men in the country are rarely those with the smallest percentage of losses, although it does happen that the man who regards every customer as an asset to be conserved in the end has very few losses.
Therefore, in credit granting, in credit refusing, and in collection, the form letter is not to be used without considerable discrimination. ”

“ This letter may be of some concern to you. I am not a man out of a job, but have what most men would consider one that is first-class. But I want to change, and if you can give me a little of your time, I will tell you why and how that fact may interest you.
In a word, I have outgrown my present position. I want to get in touch with a business that is wide-awake and progressive; one that will permit me to work out, unhampered, my ideas on office organization and management—ideas that are well-founded, conservative, and efficient. My present position does not give play to initiative. ”

“ If a debtor has assets and there is no dispute concerning the account, he will usually pay. He may pay because you threaten him, but most people with the ability to owe money are quite impervious to threats, and although a threatening letter may seem to bring results, it can never be the best letter because on the other side of the ledger must be recorded the loss of the customer. The average writer of a collection letter usually gets to threatening something or other and quite often exposes himself to the danger of counter legal action. ”

“ There is no way of catching the man who throws letters away unopened; any attempt to have the envelope tell what the letter should tell is apt to be unfortunate, because it will have no effect upon the inveterate tosser away and may deter even some of those who commonly do open circular mail. The best method is to make the letter look so much like a routine business letter that no one will dare to throw it away without investigation.
The cost of a sales letter is not to be reckoned otherwise than by results. The merit of a sales letter is to be judged solely by the results. ”

“ The bully-ragging, long-winded collection letter has no place in self-respecting business. The so-called statements of collection by which papers drawn up to resemble writs are sent through the mails, or served, not only have no place in business but many of them are actually illegal.
The letters which are appended have been chosen both for their effectiveness and their courtesy. They represent the best practice. It is, by the way, not often wise for the creditor to set out his own need for money as a reason why the debtor should pay the account. ”

“ Letters of Complaint and Adjustment The letter of complaint is purely a matter of stating exactly what the trouble is. The letter replying to the complaint is purely an affair of settling the trouble on a mutually satisfactory basis. The Marshall Field attitude that "the customer is always right" is the one that it pays to assume. The customer is by no means always right, but in the long run the goodwill engendered by this course is worth far more than the inevitable losses through unfair customers. ”

“ The average American vocabulary is quite limited, and where an exactly phrased letter might completely convey an exact thought to a person of education, that same letter might be meaningless to a person who understands but few words. Therefore, it is fatal in general letter writing to venture into unusual words or to go much beyond the vocabulary of, say, a grammar school graduate. Statistics show that the ordinary adult in the United States—that is, the great American public—has either no high school education or less than a year of it. ”

“ One bank has potentially nothing more to offer than has another bank, excepting that of course a very large bank has a greater capacity for making loans than has a small bank. The amount which by law a bank may lend is definitely fixed by the resources of the bank.
However, this is not a question of particular concern here, for very large and important accounts are never gained through letter writing. The field that can be reached through letters comprises the substantial householder, the moderate-sized man in business, and the savings depositor. A bank has no bargains to offer. ”

“ For instance, light, the kind or height of chair or desk, the tension of the typewriter, the location of the paper and carbon paper, all tend to make or break the efficiency of the typist and are cost factors. In offices where a great deal of routine mail is handled, the writing of the envelopes and the mailing is in the hands of a separate department of specialists with sealing and stamp affixing machines. The proper planning of a correspondence department is a science in itself, and several good books exist on the subject. But all of this has to do with the routine letter. ”

“ But it is gratifying to notice the emphasis that professors and teachers of business English are placing on the avoidance of these horrors and on the adoption of a method of writing in which one says exactly what one means and says it gracefully and without stiltedness or intimacy. Their aim seems to be the ability to write a business letter which may be easily read, easily understood, and with the important facts in the attention-compelling places. ”

“ Now and again one meets a person who is dreadfully afraid of making a social error. He is afraid of getting hold of the wrong fork or of doing something else that is not done. Such people labor along frightfully. They have a perfectly vile time of it, but any one who knows social [9] usage takes it as a matter of course. He observes the rules, not because they are rules, but because they are second nature to him, and he shamelessly violates the rules if the occasion seems to warrant it. It is quite the same with the letter. ”

“ The relation between an epistle and a letter has been compared to that between a Platonic dialogue and a talk between two friends. A great man's letters, on account of their value in setting forth the views of a school or a person, may, if produced after his death, become epistles. Some of these, genuine or forgeries, under some eminent name, have come down to us from the days of the early Roman Empire. Cicero, Plato, Aristotle, Demosthenes, are the principal names to which these epistles, genuine and pseudonymous, are attached. ”

“ A bank is not a frivolous institution. Therefore its stationery and the manner of its correspondence should be eminently dignified. It must not draw comparisons between the service it offers and the service any other bank offers. It must not make flamboyant statements. Neither may it use slang, for slang connotes in the minds of many a certain carelessness that does not make for confidence. ”

“ It is a rare writer who can say all that need be said in one line and not seem rude. But it can be done.
The single purpose of a letter is to convey thought. That thought may have to do with facts, and the further purpose may be to have the thought produce action. But plainly the action depends solely upon how well the thought is transferred. Words as used in a letter are vehicles for thought, but every word is not a vehicle for thought, because it may not be the kind of word that goes to the place where you want your [7] thought to go ”

“ The house salesman is the only one in the firm whom the customer knows. It is reasoned that the latter will give greater heed to a letter coming from a man with whom he is on friendly terms. Another company has its branch managers take the responsibility for circular letters sent to the trade in that territory. Another manufacturer has his salesmen bunched in crews of six. Each crew is headed by a leader. This man has to sell, just as his men do, but in addition he acts as a sort of district sales manager. All trade letters going out in his district carry the crew leader's signature. ”

“ One should know his ground well enough to do what one likes, bearing in mind that there is no reason for writing a letter unless the objective is clearly defined. Writing a letter is like shooting at a target. The target may be hit by accident, but it is more apt to be hit if careful aim has been taken. ”

“ The disadvantage of the credit basis is the expense of bookkeeping which, of course, has to be added into the price of the goods sold. Our losses through unpaid bills have been negligible. Our customers are honest. But it has seemed unfair that the customer who pays cash should have to bear the cost of the credit accounts.
As our business has worked out more than fifty per cent. of our whole trade is on the cash basis. ”

“ The layman tends to think that laws are rules, when more often they are only guides. The cheapest and best way to decide points of law is to refer them to counsel for decision. Unless a layman will take the time and the trouble most exhaustively to read works of law and gain something in the nature of a working legal knowledge, he had best take for granted that he knows nothing whatsoever of law and refer all legal matters to counsel. ”