"fwgmgmfEjSmffi I " - HOME AND FAKM MAGAZINE SECTION be. Tir, ;? .2? S5a ?dH, "Hi, zmsi duct L "WU "H. i ; i "7i WI WH jti., 0ttf lOt&v rtL kalltl art ns for Improving Farmer's Credit which formers In Oke SUN NEVER SETS ON 1 -a llV WHICH lUlIMtlO " frE ,,a"'ce have succeeded In I"'8' ,''"? clr personal credit and ''! nt less than the prov-niiing r oans ai '"...,, i nw miii- n - - nrn niiLiiiiu " . . " Jlnl.eU United States Department, 0I l . pinners' Bulletin ko, um, S'm 1'm.rovo Their Per- :red,";'f theso plans has worked out f ret of tnps" ...... Dakota so tota.i tarracr has been able to bor 141 lhon ii Is personal note at 8 per oney 0" . ? ,i,e usual rate In his 8 ! from 10 to 12. per cent. ' Wf'tf ESS-ilnn In interest, the ure ,i that tho bankers should of" ,n,l for which ho wished lie flali,.n u tn him at actunl cost. in ami - nllti,er of cases was specialists w " . . i.. n MiiTiiniir tn lUDua who tliZ to advice of 'state or Fod fe' '.a lists. Tlfo men who. fur- la7 n nnei' wore thus in a position cc"a. '.,.. which would cnablo r I?ir to repay tho loan. Under F. n in fact, the former may uu I plaSi borrowed the improvement L0JSd of So money to bur It with. If lncau " f . money was Hlie dispo'T" a. i out oi " ""- All KlllllO i-iwii. . .. ...,. ntiiirnt nliniritrni ..- f inn riiiuu ," ... .. ll"a... ,,t n vcar or two ago In Ihcrn Ual.0. but In this case three or tncrii , . ., nnrnhnsn of li , banks uim "' "" " ... jim- Btnck. In another caso li.i a local creamery supplied tbo f, SllU and crean deHvered by EiMrtthcMOl cows and heifers woro ? K ainoiiB C4 farmers, tho aggro Kflbuted ainob rI)rca0ntcd by tho ,. . .ninnni ii l iiiu.i wj --,----- - ,e iXe 139.483. This Is tho simplest ub?n? '...i?n, . It consists csson- i ft i permitting the lender to Bay how lllnnev that ho loans shall bo spont. to well slrcumstanccs ho naturally telt more secure, i tniwwn "",. M . ., plan has not proved possible, another 5.1"? . "." i... Mm fnrmors collectively "me a certain Buaranteo for the notes UB,r ,.n.,i.iio Tn Rniitliorn Moll- E! for example. 19 farmers organized tS Tin 'negoUatloi. w Ith a local itpresuii, ,, woro nuthorlzod to Ifaautee a limited amount to tho bank Hhe Joint and several liability of tho '"S!1. "'Kni .M,,rltv tho bank ..reed to advance J5000 to tho nssocla ' .. o .,.. rout when tho ccncrnl bank X wag 10 and 12 per cent, "'i.?., " -. fm. i hn nsaoclntlon ur- hl5eJ with the money two carloads of tellers, which were uwuiuui .....w..B .. member, each animal being charged with "'..."..ii.!. iinrn for nil tho Incl- ' dental expenses connected with tho tranB- ri!on. Dacli purcnascr iiicuk--u uiwaui to tare for and breed tho cattlo by tneth odi approved by tho trustees. 1 .- .... .i.i-.i iim Mm pnnrnnton la fur nished not by tho farmers thomsolvcs, but r by an outsldo Interest. As the plan was developed In Wisconsin and Minnesota, .li. ..(i,i.i Intnrnut rnnslstcd Of lOCOl i... ..... ...... ivm woro In their war as much concerned as tho farmers with tho general Improvement oi ngncuminu cuu " dltlous In thrlr region. Under this plan tho business men sub- scribed a certain porcentngo of tho .funds loaned Willi lUO unauraiuuuiiiB m, " was to constltuto a guarnntoo fund to pro tect the bankers. Othorwlso tho plan was In Its essential principles like that adopted In Montana. Credit Associations Vmm nf tlionn ninlhndn rcnutrcs more than a temporary organization. A perma nent co-operntlvo credit association is, of course, a dlfforent mntter, which has, however many advantages. Such associations encourage habits of saving, afford training In business meth ods and may establish a collective fund for common agricultural purposes aa well as providing loans to tholr merab'erB on more rcasonablo torms thnn thoy could obtain Individually. Tho fundamental principle of tholr management Is that no loan must bo granted unless tho commit tco In cliargo bolloves that tbo member and the association will both be bene fitted. Tho funds for tho loans may bo secured through paments on shares, through de posits, and by borrowing from outside sources. Associations doing business of this sort, however, nro subject to statutory regulations and it 1b, of course, Important that theso regulations bo understood and observed by tho management. A co-operntlvo credit association must not bo considered as In any way a substi tute for other banking Institutions, but rather as an ally of -thorn. Tho deposits la such associations are frequently in such small amounts that It Is unlikely that thoy would bo placed in a regular bank. On tho other hand tho total of theso small sums Is frequently considerable and such part of It aB ia not loaned to mombors of the association Is usually placed on de posit In the local banks, Imjddllloa-to tue-service-wuiclHuo.as- soclntlon can render to Its Individual members both by aiding them to obtain proper loans mid by discouraging them from making unwise ones, the associa tion enn also bo of service to tho com munltj In n number of was, among which collective purchasing is perhaps the most prominent. I Selection of She Often Proves Puzzlinjr Question N n very Interesting contribution to the Journal of Heredity on "1'ronoteiipv ." by Professor Edwaid N. Wentworth, of tho Kansas Agricultural College, we read this short sentence: "Urecd history records many prepotent sires that bred hotter thnn thomsclvos." Thcro Is so much wrapped up In that sentence of great significance to tho breeder that perhaps It Is worth while to consider It for a moment. If wo un derstand the meaning of tho author It Is this: That many prepotent sires were In ferior In form mid appearance to tho progeny they produced. Ho Instances the trotter, deorgo Wilkes, and the Short Horn champion of England as instances of tho truth of his assertion. Almost any breeder of dulry cattlo of experience inil closo observation enn recall numerous In stances whero the greatest perfection of form In n sire was followed by serious disappointment In the milking qualities of his female offspring. Ezra Mlcbcnor, the breeder of tho hIm of tho great Guernsey cow, Dolly Bloom, told n friend Hint ho was one of the most unsatisfactory, mid, as ho expressed It, "ornery" looking bulls ho over saw. Yet this bull sired one of tbo greatest cows of tho breed.. Now this leads us to ask In breeding for largo performance In cows, how far wo should bo governed by our Ideas of physical beauty and perfection of form In selecting n sire. And yet wo mny safely say that such qualities will tip the scalo with most of us. And thoro wo arc, striving for one . thing, the great thing, milking qualities, and Judging of them and for them V standards that evidently havo nothing to do with thorn. It Is qulto evident that If we would chooso wisely wo must look deeper for tho governing principle In sire and dam than our notions of beauty and Impres slvoncss In that line to make It Inviting to follow. And so wo nro forced hack to that old maxim: "Handsome Is that hnndsomc docs." With all of tho experience the world has gained on this question, tho selection of a Biro prepotent In tho light direction Is about as puzzling a question now ns It ovor was. Selected. Raising an Orphan Colt Is Not i Always Difficult Job I1Y A. R AI.nXANDKIt. IN caso the maro dies or has no milk tho foal mny bo raised on cows' milk, if tho attendant conducts tho work pa tiently nnd Intelligently. Chooso tho milk of a cow that has recently calved, preferably one which gives milk low in butter fat, for mares' milk, whllo rich tn sugar, is poor in fat. Sweeten tho milk with molasses or sugar and dilute with warm water. Olvo n llttlo of this pro pared milk nt short Intervals from u scalded nursing bottlo and largo rubber nipple. Do enroful to keep tho bottlo and nlpplo scrupulously clean. Add an ounco of llmo wntor to each pint of tho prepared milk nnd allow half a cupful once un hour nt first. As tho foal grows, gradually Incrcnso tho nmount of milk fed and lengthen the intervals between meals. In n few dnya food may bo given six times a day nnd, later, four times dally. The foal wll soon learn to drink from n pall If allowed to suck tho attendant's flngors nt first. Until tho bowels movo freely, glvo rectal Injections night nnd morning. If tho foal bcours at any tlmo, glvo two to four tablcspoonfuls of a mixturo of sweet oil and puro castor oil shaken up In milk and stop feeding milk for two or three menls, allowing sweetened warm .water and llmo water Instead. Lot tho foal lick oatmeal as Boon as it will cat and gradu ally Increase tho amount and add wheat bran In five or six weeks some sweet, skim milk mny bo given and the amount gradually Increased dally until, !t oo months or so, It may be given freely threo times a day In place o now milk. Tho foal at this ago also will bo .iVini? freely of grass, grain nnd bran. CaMgal. times supply' Pure cold drinking water. Let the foal run out In n lot or Brass ivaddoclt for exercise. Accustom t to bo handled dally. Feed small quant -Mea of nutritious food often, keeping all Inml vessels clean, and tho foal should hrivo 23 1 develop well. Ilen.embcr that rnit should nt all times bo adequately fed so 2 to doSolop It perfectly. Practic ally "alt of tho full v,elght of a orso Is ULinoi i fiurliiK tho first 12 months of Its fire I ? at untcd during this period tho colt never develops properly; It, there fore, pays to feed generously. How to Clean Up Vanls. It has remained for a picture show man to clear up a Kausas town in a most ALIUX wuisMk fi Kfes No matter what country it is no matter where it is located, this marvelous 20th Century Instrument may be heard everywhere. In one day recently, The Autopiano Company received substan tial jijutottlano orders from Australia, from Brazil, from England, from Greece, from Turkey and from a far distant point in the upper interior f Alaska. What other player piano lias sucli remarkable distribution the world" over"?" Hcalic what this means rcalic how THE AUTOPIANO must bc constructed to withstand the hot rays of the Tropical suns and staunchly! resist the frccinj; temperature of the Arctic regions. Climatic extremes and geographical location have absolutely no affect on the beautiful melo dies, the perfect phrasing and wonderful durability of THIS AUTOPIANO. That is the kind of instrument you ought to buy conic in and examine this Player Piano Leader. Writo us for Catalogue. EILERS MUSIC HOUSE Kilers Huildlng, Droadwny at Alder, Portland, Oregon effectlvo way and by a simple method. Ho offered n freo ticket to his show for a limited tlmo to nny boy who would bring a certificate from his mother that ho had thoroughly cleaned up tho bnck yard, nnd somo 300 boys nbout all there aro In tho town got on tho Job. Thoro uro great possibilities In a scheuio of that kind; it enn be mndo to do almost any thing Philadelphia Press. m 4 - .s7 tP9RSSii VI ffmsmm Vi v,i u-juswvjjivftfcsa i? SHW121- fWib tAiiW.i i7 v ''. a-iiureTir i r & -r$K& jj$'' ""uV ml r-r'vrtfcv -a When you see an engine balanced like this you will see one that will give the greatest service with the least wear. This is n pho tograph of a Rawlcigh Schrycr Gas Engine run ning at its regular speed for 18 hours without even shaking these barrels. jsKU' .- . 'VW&k 4HH3tt'H -Mm fiMitt v 'Mm Oregon Silo Co. 208 Northwest Bltlg. Portland, Or. IMPROVEYOURSPARETIME Learn to Play Any Musical Instrument At Home We Guarantee Success One Month Tuition Free Send at Once for Our Free Book A'o havo reduced the Instruction of muxlo to a almpl clence anyone- with aVernKO ability can learn It they apply thennolven a fc mormwU each day. Dur method la new and lias been a Srcat aucceaa. All connorvutorlca Indono It. Tuition less than realdent Inttruutton by a half. Wo teach piano, violin, orcun, KUltnr. cornet, clarinet, etc Write Toddy for Detail. A.MUIUOAN hCIIOOI. OP .MUSIC, t'latb and Ankeajr 81a., rortlnod, Oregon. yJu 9BB it yw&s&vggjf lllllHmil'w:iiiuiiiiiiniMini'mtuu:uruiumintuMnu.uutit::ir yETThEM HftTH fl Kirstin U AarnU KaalrdXtTry hrrr. Apply New. ii STUMP PULLER SENSE i the till "f my new KIIKB l.ook. It Kinfalm the IValurri ami , i, UAV 0-Q.a . rl.. -.". ""'."IfVja' juit oi I'oVerful or a l'at at ou dralre at M'l.CIAL LOW I'ltltLS. A. J. KIHSTIX CO,.337 Kast ilorrison iu, roruann, ur. llbUll aikw. vi j. ii jii yjy twtywirff "in-iraa