Efce  RURAL  NEW-YORKER 
1279 
New  England  Notes 
The  Clothcraft 
label  in  your  clothes 
is  like  a  return  ticket. 
It  starts  at  a  point  of 
Complete  Satisfac¬ 
tion  and  brings  you 
back  to  the  starting 
point.  For  when 
you’re  all  through 
— when  the  suit  has 
done  its  duty  and 
seen  its  day,  you’ll  be 
bound  to  say  "That 
was  a  mighty  good 
suit  of  clothes.” 
RAISING  FARM  CAPITAL.  The  secretary  of  tin*  Amur 
Tho  National  Farm  Loan  Boaitl  seems  eiet.v,  Toledo.  <>hin,  would  1 
to  find  sentiment,  rather  lukewarm  for  1 1 1 >ot<‘  description  and 
the  new  plan,  in  its  tour  through  New  cbinory  required.  A  book  o 
England.  At  the  various  meetings  it  was  dustry  published  by  the  1 
repeatedly  asserted  that  farm  loans  are  Alines.  Ottawa,  Canada,  at 
already  quite  well  taken  care  of  by  the  eludes  chapters- on  manutai 
local  banking  institutions.  The  question  m0SH  bedding, 
appears  chiefly  a  matter  of  interest  rates,  apple  crop  and  mak 
and  the  New  England  savings  bank  is  The  apple  crop  situatio 
rather  in  a  class  by  itself  in  its  ability  down  to  the  conclusion  thn 
to  borrow  at  4  per  cent.  and.  in  many  the  animal  bearing  varieties 
localities,  to  lend  at  5  per  cent.,  or  at  that  did  not  bear  last  yea 
most  b  per  cent.  A  local  farm  mortgage  SOO(i  f.ropH  this  year.  ‘  Tl 
good  enough  to  appeal  to  the  new  farm  J10t.  There  are  a  few  api 
loan  bank  and  complying  with  its  con-  m,  !noHt;  trees,  and  the  woi 
ditions  would  usually  bo  taken  gladly  by  jns  i„  many  orchards  will 
a  savings  bank  in  ordinary  times  at  5  j,,K  job.  Now  and  then 
per  cent,  and  the  mortgage  would  not  be  found,  even  of  Baldwins  fu 
foreclosed  so  long  as  the  property  is  ren-  „ial  yielders,  that  boro  a  li 
suitably  well  managed  and  the  interest  Vear  and  another  this  vea 
promptly  paid.  The  desirability  of  the  mostly  young  and  very  w! 
new  plan  seems  largely  a  matter  of  in-  clnirds,  and  this  kind  of  or 
terost.  rates.  It  the  proposed  new  banks  nK>re  0ftCu  now  fb{m  bof( 
can  loan  at  less  than  the  savings  banks  planting  boom  hegnu  10  or  1 
and  without  too  much  red  tape,  their  ad-  Within  50  miles  of  Bos 
vantage  would  be  plain  enough.  The  bor-  0f  filing  fi,P  crops  even  of 
rower  could  add  two  or  three  per  cent,  as  chards,  the  apples  to  be 
payment  on  the  principal,  and  thus  wipe  f.mn,  js  becoming  popular 
out  the  debt  within  a  reasonable  tune.  trouble,  and  because  tli 
aided  by  the  compounding  of  interest  on  cash  on  delivery  to  the  Imv 
his  payments.  Nobody  seems  willing  to  chaser  either  takes  the  frtii 
predict  just,  how  much  interest  should  be  flat  m;1rket  boxes  in  which 
charged.  It  depends  on  costs  of  working  quires  no  special  packing  i 
the  now  system,  and  the  price  sit  which  arP  ,mf  even  slatted  when  to 
the  bonds  based  on  the  mortgages  can  be  trucks  from  the  farm  to  tlu> 
sold.  Investors  might  need  to  become  no-  0ls0  the  buyer  provides  burr 
customed  to  the  bonds  before  they  would  q],,-.  f)Uj(  himself.  The  \i*i 
take  them  at.  low  rates,  It  may  be  con-  chine  grader  may  increase 
sidered  doubtful  whether  the  new  banks  0f  packing  the  crops  bv  den 
can  borrow  at  less  than  4  per  cent,  or  their  machine  and  t.rainei 
lend  at  less  than  5  per  cent.,  which  terms  place  to  place.  In  some  toy 
would  give  them  little  advantage  over  the  the  large  orchards  and  mam 
average  savings  banks  in  most  parts  of  0UPS  !in>  KO)(|  the  farm  ' 
this  region,  except  perhaps  that  the  new  nf  co-operative  marketing  b 
mortgage  might  be  more  convenient  to  the  advocates.  One  of  the  m< 
borrower,  because  of  the  plan  of  payment  experiments  last  year  was 
by  small,  yearly  additions  to  the  interest  Hampden  County  League, 
charges.  Even  this  feature  might  be  ap-  setts.  They  sold  their  fruit 
proached  by  the  common  bank  loan  if  the  No.  1  and  ,$I,SS!  for  umn  ic 
borrower  will  deposit  yearly  or  half  :,nd  packing  cost  10  cent? 
yearly,  additional  sums  at  times  of  in-  vision,  etc,  15  cents  The 
teres t  payments,  to  be  compounded  the  growers  S°  for  average 
toward  payment  of  the.  loan.  It  might  which  was  considered  bette 
be  better  m  some  cases  not  to  have  the  have  been  done  bv  individua 
amount  of  minimi  payments  on  principal  the  crop  of  about  1.500  b> 
definitely  fixed  by  the  terms  of  the  loan,  wj]l  try  it  again  this  vr; 
since  the  net  income  of  many  fanners  ‘  _  ‘ 
varies  widely  from  year  to  year  according 
to  crops  and  murlcjjJt  conditions.  The  Alfalfa  in  New  Hami 
new  plan  seems  likely  to  flourish  at  first  -vrn,,_  •  , 
chiefly  in  sections  where  bank  rates  of  f  ‘  Is 
interest  are  higher  than  they  are  in  most  •  ,  ,  .  (  I  |  ,nt  Aaf 
parts  of  New  England.  It  appears  that  ’s  “"h  utl'  SS \  "eVer 
in  this  section  the  greatest  difficulty  is  to  , V  '‘U,.IU! 
get  short-time  loans,  and  this  is  a  feature  tl  *  .  ,  .  J  \:  "‘-‘utinn 
so  far  neglected  in  the  outline  of  the  *  J‘j,K  ^‘Properly  pro, 
Government  plan.  aRC 
The  need  of  short  time  loans  to  farmers  '  b!  ,  iiv,  “f,  fl 
is  being  recognized,  however,  to  some  ex-  !  f  P  nf"lf 
tent  by  local  institutions.  The  Plymouth  t  ,  I  1  'Fi mm  Alfalfa 
County  Trust  Company,  of  Brockton,  .  /  a  ?"!.nar.  .:un' 
Mass.,  and  a  bank  in  Springfield.  .Mass.  A1/, 1 f  Jul?,ApJ 
have  been  taking  up  the  matter  in  a  ^  ,  f £**  v 
systematic  way.  The  plan  has  been  to  ?*  *’U|i  in( 
send  out  an  agent  to  study  the  business  Vd  ti  l  l  'r'Z 
habits,  reliability  and  farming  practices  that  claimed  tJutx-  rocnTf101' 
'"tss v  f pi  r 
?h°o  •  SSVSSf  i  “W*  .SUtt  Z&J*  «tzz '.'."'“i; 
conclusions  to  the  bank,  which  acts  ac-  ...i(h  tI  A", 
cordingly  in  making  the  loan.  The  in-  methods  ° 
Stitutious  are  trying  to  build  up  a  busi-  rm,„  „  ... 
ness  of  this  kind  in  short-term  loans  to  he  well  dlild  ^  1Alfulfu  ’ 
farmers  who  wisli  to  pay  cash  for  their  1  Vw,;  „  .  y’  g 
fertilizers,  feed,  etc.,  thus  obtaining  a  dis-  •  ,  ‘  xqiosme. 
count  which  more  than  offsets  the  in-  I.  n  'es  nod  The  , 
to  rest  thev  nnv  the  hank  enemies  and  the  station  ad’ 
reiisr  rmy  paj  tm  oai)K.  trying  to  start  it  iu  land 
PEAT  moss  FOR  bedding,  these  plants.  The  writer  a 
The  manufacture  of  peat-moss  bedding  to  the  result  in  a  coinpetitb 
ought  to  be  one  of  the  most  promising  and  witch  grass.  It  is  on 
branches  of  the  peat  industry.  It  re-  Alfalfa  in  young  that  it  suit' 
quires  much  less  expense  than  making  from  other  plants.  AVheii 
peat  fuel,  etc.,  and  avoids  some  of  the  become  established  it  will  1 
difficulties.  About  0,000  tons  a  year  are  with  an.v  rival.  Several  y 
imported,  mostly  from  Holland.  At  last  sowed  a  little  more  than  an 
accounts  the  only  maker  in  this  country  with  Alfalfa  where  there  In 
was  at-  Garrett,  Ind.,  turning  out  about  for  two  years,  with  every  i 
1,200  tons  per  year,  which  sold  at  about  out  the  grass.  Rather  mm 
the  same  price  as  the  foreign  product,  the  Alfalfa  was  crowded  o 
There  seems  to  be  plenty  of  suitable  was  securely  rooted,  but  the 
moss  peat  in  New  England,  New  York,  vigorous  and  is  yielding  tine 
Pennsylvania,  Michigan,  Wisconsin.  In-  season.  This  year  the  lirst  < 
diflint,  Minnesota,  etc.  The  slow  growth  about  the  10th  of  July,  thi 
of  the  business  in  this  country  is  proba-  weeks  later,  and  now,  the  Of  1 
bly  because  of  the  higher  cost  of  labor,  ber,  the  third  crop  average 
Peat  suitable  for  this  purpose  usually  height.  It  is  not  so  easy  t< 
consists  of  the  first  two  feet  of  the  de-  started  in  the  rugged  olimat 
posit.  The  next  foot  or  more  below  is  soil  of  New  Hampshire  as 
sometimes  made  into  mull,  which  is  sirn-  farther  south  and  west,  hut, 
ply  fine,  dried  peat,  useful  for  absorbent  lished  by  means  of  extra  car 
material  and  often  employed  to  take  up  it  is  capable  of  developing  h 
molasses  in  the  manufacture  of  prepared  valuable  hay  crop  in  the  Slat 
stock  feeds.  Manufacture  of  the  moss  w. 
bedding  is  simple.  The  first  thing  is  to  - 
drain  the  bog,  if  possible,  although  a  bog  qni,„  i.,,.„„  i.„„  „  , 
may  be  worked  for  litter  without  drain  nivfv!0(  £a*  K 
ing.  The  dry  fibrous  part  of  the  deposit  part ^of  harvest  ’and  tm 
is  cut  out  and  spread  on  the  surface  of  tw  dJ?  and  hot  •  of  i? 
the  bog  to  dry,  then  it  is  ground  in  inn-  Thrashing  has  commenced^ 
chmcry  something  like  a  fodder  shred-  poor  cron-  vve  not  n*  l 
<V‘- Aried  *.rti5ol,aU> •  *»  <*•»  U°nt  S<r  i.ra?  K” 
pressed  and  wrapped  in  burlap  The  ?oodt  the  drf \oC father 
bales  weigh  about  125  pounds.  There  is  bite  planted  ones  so  thev  ( 
also  some  sale  for  peat  moss  to  nursery-  much.  Corn  was  planted’ lat 
men  and  florists,  who  use  it  for  packing  pieces  did  not  get  proper  cul 
material,  ihe  business  would  he  a  good  much  rain  and  harvest  work 
deal  of  a  venture,  because  so  little  has  frost  would  make  it  a  verv 
been  done  m  that  line  in  this  country.  Ravena,  N.  Y 
SERGE  SPECIALS 
"5130”  Blue,  £16.50 
"4130”  Blue,  £20.00 
"3130”  Gray,  £20.00 
The  CLOTHCRAFT  STORE 
IN  YOUR  TOWN 
Clothcraft  C'othes  for  Men  and  Young  Men,  Ready-to-Wear,  #12.50  to  #25.00 
Made  by  The  Joseph  &  F -i-s  Co.,  Cleveland 
For  Every/Moline 
These  plows  are  the  result  of  many  years  * 
specializing  in  plow  building,  with  the  single  1 
purpose  of  producing  the  best  possible  walk¬ 
ing  plow  for  every  soil. 
In  shape,  strength,  material,  workmanship  and  easy 
lows  are  unequaled. 
handling,  Moline  Chilled  Walking  PL 
Sold  Under  this  Triple  Guarantee 
1  Every  Moline  Chilled  Plow  Moldboard 
is  guaran¬ 
teed  to  have  a  grey  back,  surd  to  fit  properly. 
2  Moline  Grey  Back  Moldboards  are  guaranteed  to 
be  three  times  as  strong  as  any  other  make  of 
chilled  plow  moldboard,  without  the  grey  back. 
3 — We  will  exchange  a  new  moldboard  for  every 
broken  Moline  Chilled  Plow  Moldboard  that 
i - -  "  1  1  does  not  show  a  grey  back. 
such  a  guarantee  is  clear, 
broad,  positive,  absolute. 
There  MolineChiJled  Plow  for 
'cry  soil  hard,  stony,  gritty,  grav- 
The  Moline  Line  Includes 
Corn  Planters,  Cotton 
Planters.  Cultivators, 
Com  Bindets,  Grain 
Binders,  Grain  Drills. 
Harrows,  Hay  Loaders, 
Hay  Rakes,  Lime  Sow. 
ers,  1  .islets.  Manure 
Spreaders,  Mowers, 
Plows  (chilled  and 
steel).  Reapers,  Scales, 
Seeders.  Stalk  Cutters, 
Tractors.  Farm  Trucks, 
Vehicles,  Wagons. 
