1907. 
THE RURAL NEW-YORKER. 
881 
PUBLISHER’S DESK. 
P. S. I am much gratified by my belief 
that you are in a position to win out in the 
Pawley cases should they ever come to trial, 
which I very much doubt. In any event, the 
matter will, in my opinion, result in great 
future benefits to the public, will serve as an 
effective warning to stockbreeders prone to 
dishonesty in their dealings with customers, 
and will cause registry organizations in gen¬ 
eral. and the A. J. C. Club in particular, to 
exercise more care in issuing their certificates 
of blood and breeding, and vigorously to pros- 
.ecute and punish, rather than palliate or de¬ 
fend, the fraudulent procurement and use 
of such certificates. e. jv. R- 
Minnesota. 
The above postscript is taken from a 
letter from a Jersey breeder, and a man 
entirely familiar with legal trials. His 
ability to state a big case in a few words 
will not be questioned by anyone who 
reads the paragraph. 
The following note, is from a man 
prominently connected with the dairy in¬ 
terests of his own State: 
Enclosed find .$1 for The R. N.-Y. I want 
the rest of the Pawley matter. I am a Jer¬ 
sey breeder. Give it to them. H. h. 
Michigan. 
No man should keep in his pockets or 
in his home more money than is needed 
for daily uses. The remainder should be 
deposited in a bank. Money is the meas¬ 
ure of values. When money is scarce, 
prices are low. When it is plenty, prices 
are high. We exchange all other com¬ 
modities for money. When we say prices 
are high, we could just as accurately say 
money is cheap. When we say prices are 
low, we could express the same condition 
by saying that money is dear. It is the 
volume of money in use that affects 
prices. If you hoard money you help de¬ 
crease prices. Hence it is to your ad¬ 
vantage to keep the money of the country 
in circulation. This you may do by de¬ 
positing it in banks. With possibly an oc¬ 
casional exception, the National banks 
are perfectly sound and safe, but it is 
well to remember that banks do not and 
cannot keep all their deposits stored away 
in safes. If they did, it may as well be 
under the carpet in the corner of your 
bedroom. The banks loan it out where 
it gets into circulation, and help maintain 
the price of the things you have to sell. 
In the large centers called reserve cities 
they are obliged by law to keep 25 per 
cent of their deposits to meet current 
withdrawals. In other places 15 per 
cent is kept for this purpose. Experience 
proves this to be sufficient in ordinary 
times. It will be seen from this that the 
strongest and soundest bank may be em¬ 
barrassed if every depositor called for 
his money at the same time. When 75 
per cent of the deposits of a bank is 
loaned out, as it should be, for purposes 
of trade or manufacture, the securities 
are in the bank vaults instead of the cash, 
and if everyone calls for cash at once, 
the bank is obliged to sell the securities, 
if it can, for cash to meet the sudden de¬ 
mand. This is likely to decrease the 
value of the securities. It is as if a farm¬ 
er had abundance of farm products, but 
for the time being not enough cash to 
meet maturing obligations. If he were 
obliged to convert his products into cash 
in a day’s notice, he would suffer serious 
losses. Banks suffer the same way when 
thoughtless and frightened depositors 
cause a run on the bank. Of course, the 
depositors are not entirely to blame. 
Banks become weakened through indif¬ 
ferent inspection, and through improper 
use of the funds by its officers, and too of¬ 
ten the funds are loaned to speculators for 
gambling in stocks when it is needed and 
demanded by honest industry and denied 
to it. Then again, there is no adequate 
provision for the protection of deposi¬ 
tors when a bank does fail. This is un¬ 
fortunately because the banking laws of 
the country are for the most part dictated 
by bankers, and they have allowed petty 
jealousies to defeat a wise provision for 
the protection of depositors. A very 
small percentage of the deposits laid 
aside would soon make a reserve fund 
that would amply protect depositors in 
any event. This has often been proposed, 
but it has been defeated by bankers, for 
the reason alleged that such an arrange¬ 
ment would make the small banks as at¬ 
tractive to depositors as the large ones.. 
That argument is selfish and short¬ 
sighted ; but it has so far defeated the 
proposed law. They would endanger the 
savings of many depositors and dis¬ 
criminate against small competitors that 
they might monopolize the banking busi¬ 
ness. They are too short-sighted to see 
that the assurance of absolute safety to 
depositors would increase the deposits 
enough to pay the tax and place the 
whole banking business on a safer basis 
and higher plane of usefulness. We look 
for Governor Hughes to recommend such 
a provision for the consideration of the j 
New York State Legislature for the com¬ 
ing season. Watch and see if he does. In 
the meantime don’t hoard money. Put it 
into the channels of trade. 
I held two notes on one S. J. Payne, nego¬ 
tiable and payable at the Bank of Marlin- 
ton, W. Va., on the 28th day of September, 
1906. One of the notes was i'or $160 and in¬ 
terest, the other for $1,059.77. I got notice 
of protest upon the $160 note and heard noth¬ 
ing of the $1,059.77, so I wrote to 
a lawyer, W. Bratton, Marlinton, W. Va., 
who advertised in the Pocahontas Times, 
to collect the $160 note for me, and let 
me know about the $1,059.77 note, whether it 
was paid or not, not authorizing him to col¬ 
lect or do anything else with it. Now I en¬ 
close both his letters, in which you see he 
charges me an extortionate sum for collec¬ 
tion of both, while I got a card from the 
bank showing that the $1,059.77 note had 
been paid on the 28th, when due. So he had 
nothing to do with in any manner and over¬ 
charged me $55, which he kept out of the 
note lie did collect. m. a. dunlap. 
Oklahoma. 
We received the above in July last, and 
wrote Mr. Bratton about it. He replied 
that the charge was legitimate. Pie 
charged 10 per cent for the first $300, 
and 5 per cent for the balance, amounting 
to $76.25 in all. On October 8, the bank 
notified Mr. Dunlap that it had placed 
the amount of the larger note, $1,059.77, 
to his credit in the bank; and the same 
day Mr. Bratton wrote him that he had 
received his letter in last mail and had 
just seen the amount of the note put to 
Dunlap’s credit. He also explained that 
Payne had sent a check to the bank to 
pay the note, and the reason it was not 
credited to him before was that the bank 
was waiting to see if the note sent them 
would be honored when sent to the bank 
on which it was drawn. This would in¬ 
dicate that the larger note was virtually 
paid before the lawyer had known any¬ 
thing about'it, and that he could have 
rendered Mr. Dunlap no service what¬ 
ever on that note, and at best could have 
done nothing more than inquire about it 
at the bank. This is on the authority of 
his own letter, written on the day he re¬ 
ceived authority to collect the $160 note. 
We do not believe the laws of West Vir¬ 
ginia or those of any other State, made 
as most of them are by lawyers, and 
often for the convenience of lawyers, 
would justify a charge for the collection 
of the larger note under the circum¬ 
stances. We do not think he would be 
entitled to the fee even if Mr. Dunlap had 
authorized him to collect it as he insists, 
but as Mr. Dunlap denies. It is all the 
same to Mr. Dunlap, however. A farmer 
in Oklahoma cannot afford to go to West 
Virginia to sue a lawyer in the courts, 
but farmers themselves and the papers 
that represent their interests can speak 
their protest. 
Please find enclosed money order for $1.70, 
one dollar of it to renew my subscription for 
1908 from December 28. 1907. the balance of 
70 cents is for seven trial subscriptions—10 
weeks at 10 cents each. At our Grange, the 
evening of the 12th, we received notice that 
a farmers’ institute would be held at Knox- 
boro in February. I had a copy of The R. 
N.-Y. with me and as they had not hoard of 
the Dawley Jersey deal, I proceeded to do a 
little missionary work to help you keep him 
on the run, now you have got him started. I 
got you seven trial subscriptions. 
New York. g. s. w. 
Other letters similar to the above are 
coming daily. That is, they are similar 
in that they include the 10-week sub¬ 
scriptions, and approve of the efforts to 
straighten out that Jersey cattle deal. 
These occasional subscriptions come of¬ 
ten from friends to whom we can sug¬ 
gest no compensation, except to continue 
and improve as best we can the service 
of which they approve. For those, how¬ 
ever, who can devote a few days to the 
work of getting subscriptions in their 
neighborhoods or at farmers’ meetings, 
we make arrangements for liberal com¬ 
pensation. We have some sections where 
we would like men to work steady by the 
week. If you can take up the work lo¬ 
cally, or permanently, let us hear from 
you. In the meantime we appreciate the 
interest of friends in sending in these 10- 
weeks’ orders. j. j. d. 
P l 
r * 
JLLETS-50 Buff Wyandotte Pullets for sale for 
$1 each. Charles I. Miller, R. P, D. 1. Hudson,N. Y. 
ELEGANT BUFF LKGHOIINS—Have no equal 
as layers and the handsomest fowls known. 
Eggs for 1908 at greatly reduced pric 
P. A. WEBSTER, C 
ices. Write 
Cazenovia, N. Y. 
COD CAI C-A few good S. C. White Leghorn 
rUH OMLC and White Wyandotte Cockerels at 
reasonable prices, according to quality. YVrite me 
your wants. B. B. CHASE, Route 3, Wyoming, Del. 
O NE-QUARTER WILD BLOOD BRONZE 
TOMS make vigorous poults. At prices you will 
never regret paying. Toulouse Geese, Pekin Ducks. 
Catalogue. BERT McCONNELL, Ligonier, Ind. 
ENTERPRISE POULTRY YARDS, 
No. 39, Ridgefiold, Conn. 
BLACK ORPINGTONS, 
WHITE LEGHORNS. 
With utility and fancy demand increasing we are 
still beyond our Winter quarters capacity, and will 
sell at last year’s prices to reduce stock. 
We GUARANTEE SATISFACTION on any accepted order. 
WOODLANDS FARM. 
Record Laying' Strains of White Wyandottes, 
Barred and White Plymouth Rocks and S. C. 
White Leghorns - 835 Trap Nests. 
Bred for large, symmetrical size, vigorous constitu¬ 
tion and prolific laying, combined with all the stand¬ 
ard requirements. Address 
L. T. HALLOCK, Proprietor, Iona, New Jersey. 
REGISTERED JERSEY HERD 
FOR SAijB. 
Property of MR. JAMES LEE, Churchville, Maryland. 
THE COOLSPRING FARM HERD. 
36 FEMALES I BULL 
Thirty-five of the females are from 2 to 5 years old, only 
one over five years, about one-half of the herd in full flow of 
milk, the others are due to calve during the coming winter, 
many of them very soon. All of them must be sold at once; 
as a herd if possible ; singly, or in small lots if no buyer for the 
herd is found. All have been tuberculin tested and are free 
from tuberculosis or other disease. They are well bred—To 
Make Butter—are of good size and will pay their way. 
Prices Range from $100 to $200 each 
Write for further particulars to 
GERALD HOWATT, 
Live Stock Commissioner, - White Plains, New York. 
W.ERTUC0L 
QUINCY, ILL. 
INCUBATOR WHYS 
Ournewbooktelling"Whys” 
of poultry profits and why 
our Incubator Is uniformly 
successful, will be sent you 
free on request. We pay freight 
and guarantee our machines. 
B0NNIE BRAE 
POULTRY FARM 
New Rochelle, N. Y. 
Special Bargains in Pekin 
Ducks for October and No¬ 
vember. Mated pens of five 
ducks and drake $8.00, two 
pens $15.00, selected breed¬ 
ers or matured young ones. 
Also Single and Rose Comb White Leghorns, Barred 
and White Rocks and White Wyandottes. 1,000 
pullets for sale. Cockerels in any number. Sixty-five 
ribbons and two silver cups at the last Poughkeepsie, 
Danbury, Walden and Madison Square Garden 
Shows. Largest plant in vicinity of New York City. 
Catalogue Free. 
R.l. REDS. BARRED ROCKS, W. LEGHORNS, 
W. WYANDOTTES, TOULOUSE GEESE 
STOCK FOR SALE. 
Mapleling Poultry Yards, Box 20, Pulaski, N. Y. 
MAMMOTH BRONZE TURKEYS- First class 
stock at moderate prices. Extra size, weight and 
plumage. CHAS. BROCKWAY, Moravia, N. Y. 
Profit in Lambs 
A recent experiment in feeding lambs 
proved that a small investment made 
for Dr. Hess Stock Food returned the 
feeder a profit of 235 %. Thi 9 was be¬ 
cause the Hess-fed lambs were able to 
digest a greater proportion of the 
daily ration than other lots not simi¬ 
larly treated. Dr. Hess Stock Food i9 
a tonic which makes perfect digestion 
in any domestic animal. It contains 
iron for the blood and nitrates to 
cleanse the system of poisonous matter. 
It is the prescription of Dr. 
Hess (M. D., D.V.S.), himself 
an authority on foods and 
feeding. 
D® HESS 
stock mo 
shortens the time required to fit an 
animal for market, increases the flow 
of milk in dairy cows and keeps 
farm teams in prime condition. 
SOLD ON A WRITTEN 
GUARANTEE. 
M00 lbs. $5.00 J E TndkxVem n e <,a 
25 lb. pail $1.60 ( South and West. 
Smaller quantities at a slight advance. 
Where Dr. Hess Stock Food differs in 
particular is in the dose—it’s small 
and fed but twice a day, which proves 
it has the most digestive strength to 
the pound. Our Government recog¬ 
nizes Dr. Hess Stock Food as a 
medicinal compound, and this 
paper is back of the guarantee. 
If your dealer cannot sup¬ 
ply you, we will. 
DR. HESS & CLARK, 
Ashland, Ohio. 
Also Manufacturers 
of Dr. Hess Poultry 
Pau-a-ce-a and Instant 
Louse Killer. - ... , 
; 
Pfllll TRYMFN~ Send for onr new 36-page illus- 
■ UUL I II I III LII trated poultry catalogue. Abso¬ 
lutely free. East Donegal Poultry Yards, Marietta,Pa. 
RHODE ISLAND REDS. 
300 Selected Cockerels. Fine show birds and breed¬ 
ers. All stock sold on approval, $2 to $50 each. 
SINCLAIR SMITH, 602 5th Street, Brooklyn, N. Y. 
Rose Comb Brown Leghorn Cockerels 
for sale. Very best Strain. 
I. C. HAWKINS, Bullville, New York. 
FflR RA E — White Wyandotte Cockerels. Full 
I Ull OnLL bred, pure white, heavy laying strain 
Write for price. Harvey M. Freed. Richlandtown, Pa. 
RARRFn ROMS Brown Legh - _ _ 
DHRllLU nUuKOj Toulouse Geese; bred to lay 
strains; at one-half price. Collie Pups the intelligent 
kind, females cheap. Nelson Bros., Grove City, Pa. 
VAN ALSTYNE’S It. I. REDS-A few cocks and 
’ cockerels from laying strain to dispose of at $2 to 
$5. Edw. Van Alstynk & Son, Kinderhook, N. Y. 
EMPIRE STATE S. G. WHITE LEGHORNS, 
winners at N. Y. State Fair. Cockerels and pullets 
5 nios. old, from heavy layers, $1.00 each. Catalog 
free. C. H. ZIMMER, Weedsport, New York. 
HEN’S TEETH AND ECCS ARE SCARCE.— Feed 
Mikashel-Siliea Poultry Grit, Nature’s egg producer. 
Send 50c. for 100 pound bag, or ask your feed dealer. 
Edge Hill Silica Rock Co., New Brunswick, N. J. 
EAP HEN FOOD 
, Is green bone fresh cut. Rich i n protein and 
all other egg elements. Its egg producing 
I value is four times that of grain. The eggs 
1 are more fertile, chicles more vigorous, fowls 
heavier. This makes green bone cheap food. 
Mann’s Latest Model Bone Cutter. 
Cuts all bone, meat and gristle. Never clogs. 1 o DAYS 
TRIAL. No money in advance. Cat’Igfree. 
r. W. MANN CO., Box 15, MILFORD, MASS. 
POULTRY 
SUPPLIES^ 
| We sell everything the poultryman needs.] 
Incubators, Brooders, Foods, Remedies, Lice 
Killers, Wire Netting. Get our catalog^ be¬ 
fore you buy. Write for it today. It’s Free. | 
United Incubator & Poultry Supply Mfg. Co., 
Dept. G. 26-28 Vesey St, New York City. 
10,000 ferrets from selected breeders. Per- 
’ feet workers. They exterminate rats, 
drive out rabbits. 48 p. illus’d book and price 
lisl free. 8 . KAltNSWOltTlI, Middletown, Ohio. 
CCPPCTC- Raise 1 in small lots; are strong and 
rCrint I O healthy; warranted good rat and 
rabbit hunters. Also, a few choice Fox Terrier Pups. 
For descriptive circular and price list, write 
SHADY LAWN FERRET FARM, New London,Ohio 
CflD CAI C— Cheap, SCOTCH COLLIES, 
rUll dHLC finest of breeding. 
J. H. VANDEN BOSCH, Jr., R. I). 7. Auburn, N. Y. 
STURTEVANT ROUP CURE- ( ^ es 
free. 
anker, etc. Sample 
Write THE F. 0. STURTEY AfiT CO., Hartford, Conn. 
C HOICE R. C. Brown Leghorn cockerels farm 
raised. A. S. BRIAN, Mt. Kisco, New York. 
CflQ CAI C— Utility Buff Orpington cockerels $2 up. 
run OHLL W. H. WARREN, Woodside, Del. 
TWELVE WEEKS’ POULTRY COURSE AT 
RHODE.ISLAND COLLEGE OF AGRICULTURE AND MECHANIC ARTS- 
Begins January 2, 1908 and ends March 26, 1908. 
Open to both men and women. Thorough instruc¬ 
tion in all branches of poultry raising. Accommoda¬ 
tions limited. Early application necessary. Apply to 
HOWARD EDWARDS, President, Kingston, R. I. 
DON’T READ THIS 
unless you want an extra fine Mammoth Pekin or 
White Muscovy Drake, pair or trio. My birds are 
State Fair Winners; second to none. 1 have a limited 
number of these selected birds that I will sell at$2.00 
per single bird, $3.50 per pair or $5 per trio. Absolute 
satisfaction guaranteed or your money hack iu full. 
IRA L. LETTS, Moravia. New ¥ork. 
