052 



INDEX. 



BANK ACT, National, 140. 

 Bank Deposits; mostly money of poor peo- 

 ple, 134- 

 Banker; necessary qualities of, 132. 



— The farmers' best counselor in financial 



matters, 133. 

 Bank Failures, causes of, 132. 

 Banking, methods of, 131. 



— Sound ; how farmers can promote it, 132. 



— Sound; farmers' interests in it. 132. 



— Source of profits of, 131. 



Bank Loans; necessity of prompt collection, 



Banks, causes of farmers' dislike for, 133. 



— Cooperative, 605, 609. 



— Different classes of, 135. 



— Do not desire to foreclose mortgages, ill. 



— Large ; functions of, 134. 



— Large; not themselves monopolists, but 



essential to monopolists, 134. 



— Late proposal for security of circulation, 



146. 



— Managers of, not usually rich men, 131. 



— National ; causes and results of their estab- 



lishment, 142. 



— National ; great profits of the earlier ones, 



M3- 



— National ; notes of, 140. 



— National ; not now making undue profit on 



circulation, 145. 



— National ; present actual profit on circula- 



tion, 144, 576. 



— National, statistics of, 576. 



— National; their notes the first good paper 



currency we ever had, 142. 



— Not the enemies of farmers, 133. 



— Notes of ; condition under the state bank 



system, 141. 



— Notes of; history of their use in the United 



Stales, 138-143- , . ^ 



— Notes of; results when inadequately se- 



cured, 139- 



— Notes of, vs. government issues, 146-149. 



— Private, statistics of, 579. 



— Question of allowing them to issue circu- 



lating notes, 143, 145. 



— Results of •' runs " upon, 136. 



— Savings, 135. 



— Savings, statistics of, 579. 



— State commercial ; statistics of, 578. 



— State; notes of counterfeited, 141. 



— State; supervision of, 151. 



— Summary of statistics of, 579- 



— Their function of issuing paper money, 137. 



— Their dislike of foreclosures, 136. 



— Will get highest interest rates possible, 



134. 

 Bimetalism, international not probable, 366. 

 Bonds, United States; reason for not paying 



in silver, 364. , , , , ^ 



Book Farming; faults of early farm books, 69. 



— Modern farm books contain the experi- 



ence of practical men, 71. 



— Most of the old books really valuable, 7°- 



— Nearly all books on farming lately pub- 



lished are valuable, 71. 



— Prejudice against, 69. 



— Prejudice arising from exaggerated ex- 



pectations, 69. 



— Prejudice partly due to the fact that farm- 



ers do not read the books which they 

 condemn, 70. 

 Books, list of for farmers, 566-575- 



— The farmer's family should have them, 94. 

 Borrower, controlled by his creditor, 213. 

 Boys, Farmers' ; drift to cities for easier life 



rather than for more money, 97. 



— Have duties to parents, 92. 



— Inclined to drift off among strangers, 94. 



Boys, Farmers'; shiftless ; probably defect 

 ives, 92. 



— Will be happier in the country than in the 



c'l^y' 93- 



— Will develop according to ability, 94. 

 Bounties on production, experience of in 



U- S., 319- 

 Bounty, export, see export bounty. 

 Brokers, definition and methods of business 



of, 375. 

 Bulletins of Experiment Stations ; how to 



get them, 49, 561. 



— Of U. S. Department of Agriculture ; how 



to get them, 50, 564. 

 Business, a science, 205. 



— Certain to flow in easiest channels, 212. 



— Cooperative, laws of identical with those 



of private business, 206, 207, 216. 



— Elements of success in, 202. 



— In farming differs from trade, 205. 



— Liabilities of, 219. 



— Principles of apply to farming, 205. 



CALIFORNIA, Conditions of fresh fruit 

 trade in, 452. 



— development of, 442. 



— Errors of orchardists of, 444-447. 

 California Fruit Exchange, causes of fail- 

 ure of, 503. 



— Cost of organization of, 496. 



— Experience of, 490-502. 



— Final effort of, 500. 



— Objects of, 498. 



— Organization of, 489. 



— Origin of, 489. 



— Relations of to local exchanges, 492. 



— Work of, 497- 



California, fruit industries of, 442. 

 California Fruit Union, 452. 



— Annual sales of, 454. 



— Capital of, 453. 



— Not sustained by growers, 454. 



— Organization of, 453. 



— Reasons for going out of business, 455-457- 



— Weak points of, 454- 



California Raisin Association; beginnings 

 of, 465. 



— Benefits of to growers and others, 468. 



— Experience of, 467. 



— Nature of, 467, 650. 



California Wine-makers Corporation, 517. 



— Condition of in 1899, 524. 



— Conditions leading to organization of, 519. 



— Difficulties of, 522. 



— Difficulty of organization of, 520. 



— Early success of. 522 



— Nature of, 521, 650. 



— Relations of vineyardists, 522. 

 Cases, Granger the, 287. 



Capital, certain to protect itself, 212. 



— Control of in hands of borrowers more 



necessary than in hands of owners, 150. 



— Growth of in cooperative stores, 215. 



— Tendency of to concentration, 149. 

 Capitalists, farmers are, 19. 



— Large, do not receive high interest, 135. 

 Changes, greater in the last fifty years than 



in the previous five hundred, 19- 

 Checks, bank, perform the functions of 



money, 137- 

 Circulation, per capita, 349. 

 Civil Service, 192-194. 

 Clubs, farmers', 291. 

 Coinage, Free, of Silver, 363. 



— Argument against, 371-376. 



— Argument for, 376-38.1. 



— As law stands U. S. would have to main- 



tain ratio at 16 to i . 365. 



