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HOME AND FAKM MAGAZINE SECTION
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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,
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everywhere. In one day
recently, The Autopiano
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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!
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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.
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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
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Send at Once for Our Free Book
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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
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Write Toddy for Detail.
A.MUIUOAN hCIIOOI. OP .MUSIC,
t'latb and Ankeajr 81a., rortlnod, Oregon.
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Kirstin
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KaalrdXtTry
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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.
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