i aao 
PUBLISHER’S DESK 
I would like to become a member of 
Dr. Elman’s Anti-Fake Club. I think I 
have enough of contempt for the fraudu¬ 
lent advertiser to keep him out of my 
home, and enough of business judgment to 
know that the paper that carries such ad¬ 
vertisements cannot thrive in the future 
as in the past. I believe the people of 
this country are beginning to learn. 
Pennsylvania. o. i>. M. 
You might write for a week and fill a 
volume on the subject; and yet say no 
more than is expressed in the above few 
lines. This spirit and purpose is broader 
and bigger than any club can be. The 
club can only crystallize the spirit; and 
lead the way that 1)5 per cent, of the peo¬ 
ple of this country wish to go. It is not 
so much to protect oneself individually 
as to protect the people collectively. 
Neither is it for our generation alone, 
but to make dishonesty and deceit un¬ 
popular for the benefit of generations to 
follow us. It is not alone to drive out 
falsehood and to confuse rogues; but to 
magnify truth, and to increase our ap¬ 
preciation of the dignity and nobility of 
honest men. 
In The R. N.-Y.’s article on the “Land 
Bank of the State of New York,” you 
write “Mortgage banks to be controlled 
by bankers and capitalists have been pro¬ 
posed to finance farm mortgages. We bid 
farmers to have a warning of them. Ii 
organized at all such banks will exist for 
the purpose of making dividends.” Will 
you permit me to express my hearty ap¬ 
proval of these words and your sound 
“economy.” Over in England my brother- 
in-law is a director in several land com¬ 
panies, having a pseudo-philanthropic in¬ 
terest in the laying out and erection of 
workingmen’s dwellings on the rent of 
which these gentlemen encompanied are 
careful to levy their little perquisite foi 
dividends. It' will take a long time yet 
for the average man to learn that it is 
foolish to pay another person to do what 
one can and ought to do for one’s self. 
Massachusetts. F. w. b. 
It is eneuoraging to know that a citizen 
of Massachusetts appreciates the provis¬ 
ions of the New York State system for 
financing farm mortgages. This corres¬ 
pondent has the key to the situation. Do 
not pay another to do for you what yon 
can do for yourself. In this reference it 
means do not pay a banker, broker, agent, 
lawyer, or money lender a fat fee, com¬ 
mission or profit to secure a mortgage 
for your property. It is true that here¬ 
tofore farmers had to do this because 
they needed the money. In some cases 
they had to have it; and there was no 
other way to get it. Now there is a way. 
Every community in the State ought to 
have a Local Land Bank or what is 
the same thing, a saving and loan asso¬ 
ciation. Other States are trying to adopt 
mortgage credit systems. So far all of 
them have proceeded on the capitalistic 
plan. Through the sympathetic interest 
of Governor Glynn, New York State has 
been able to overcome the scruples ot 
capitalists and has secured the only pure¬ 
ly cooperative system in the States. In 
it the capitalist may buy the securities 
on the same terms as the poorest in¬ 
vestor; but he has no opportunity to 
manipulate them. The management is 
reserved to the members. No outsider can 
demand a tribute. There is no other sys¬ 
tem yet devised by which the borrower 
may sell his credit on an open market at 
rates solely dependent on the eurren. ate 
for many and the merit of the risk. 
In a recent issue you had a reference to 
the case of True S. James against I). B. 
Cornell, the real estate agent, which may 
leave a false impression of the true situa¬ 
tion in this case. The facts are that 
Mr. James alleges that Cornell secured 
a five hundred dollar mortgage on his 
farm through fraud. Mr. James refused 
to pay interest on the mortgage, and 
Cornell thereupon assigned it to a third 
party, one of his own agents, and pro¬ 
ceeded to foreclose. Up to this point Mr. 
James was willing to leave the decision 
to the civil courts, but this subterfuge 
led to the arrest of Cornell. Before the 
hearing Mr. Cornell agreed to drop the 
foreclosure proceeding and with this stip¬ 
ulation Mr. James was willing to drop 
the criminal proceeding, being entirely 
confident of his facts in the civil courts 
when tried on their merits between him¬ 
self and Cornell, without the interven¬ 
tion of a supposedly innocent third party. 
New York. farmer. 
It seems that this case was not de¬ 
cided as we supposed on the theory that 
it belonged to the civil courts; but by 
an agreement between counsels on both 
TH ED RURAL NEW-YORKEli 
• October 10, 
sides that both proceedings be withdrawn, 
until the superior court pass on the civil 
case before it. This case before the super¬ 
ior court is an appeal from a decision 
in the local courts, which was decided 
against Cornell. Mr. James in this case 
is doing a service to the farmers of the 
whole country. It is well to have some 
one contest in the courts the legality of 
methods pursued by some real estate 
agents in the sale of farm properties. 
The Amalgamated Oil Company of 
Oklahoma City, Okla., is franker than 
some of the promoters with similar 
schemes. They want to sell stock at one 
cent a share; but when asked for a state¬ 
ment of assets, reply that t is not neces¬ 
sary for a company to have any assets 
to sell stock. They say they sold stock 
even before they had so much as a lease, 
but say when the stock is sold it be¬ 
comes an asset to the company. That 
is news to us. We have always thought 
that stock is a liability of a company. 
They claim that they have sold as much 
as 273,S00 shares in a day. That would 
mean an income for that day of $2,738. 
We do not much doubt the statement. 
People do part with their money easily 
when some promoter promises big profits, 
but if this promoter keeps on writing let¬ 
ters, it is hard to believe that anyone 
with ordinary human intelligence will 
give him even a penny for shares in a 
company that has no tangible assets. 
I never have to hunt all through the 
pages of modern publications to find the 
address of the publisher that I do not 
curse the modern publisher for not put¬ 
ting it on the outside cover, as though 
he had some intelligence. He is like the 
veterinarian; never can learn modern 
ways of doing things. j. G. 
Pennsylvania. 
This critic cannot mean to include 
The R. N.-Y. in his criticism, because the 
name and address are both on the first 
page of the paper. But no one need lose 
time or patience looking for the address 
of The It. N.-Y. If you write the name 
of the paper on the envelope and mail 
it under a two-cent stamp anywhere in 
the States, and I venture to say, any¬ 
where in the world, it will find its way 
to us. As a matter of fact this has al¬ 
ready happened. 
I am a subscriber and need a little in¬ 
formation. Can you help me locate a 
person named Morris Garfinkel, whose 
address was 821 E. 161 Street, New 
York. lie comes up to Centreville each 
Summer and peddles souvenirs, and has 
been buying some from me each year. 
He came this Summer as usual and 
bought something over $75 worth and has 
failed to pay me. Can you help me? 
New York. F. w. 
We could not locate Mr. Garfinkel and 
our attorney was equally unsuccessful. 
These itinerant peddlers are peripatetic 
In their nature, and it is unwise to al¬ 
low them credit to any extent. We print 
this record as a warning. 
Inclosed find some “dope” sent me with¬ 
out solicitation. It does not look good to 
me. If they do not catch a sucker with 
one trick, they would catch him with two. 
READER. 
The literature comes from the Inter¬ 
national Liberty Union of the World, 
Covington, Ky. It includes agency for 
stockings, cheap clothes, portraits, hair | 
restorers, tobacco habit cure and patent j 
medicines, together with subscription to 
a journal, insurance, a free watch and 
compass, and dear knows what else, all 
for 10 cents. No wonder our correspond¬ 
ent calls it “dope.” It is about the hot¬ 
test specimen of hot air that has wafted 
our way for some time. We recommend 
the literature as a first aid to fire mak¬ 
ing. J. J. D. 
When you write advertisers mention Tub 
It. N.-Y. and you'll get a quick reply and a 
“square deal.” See guarantee editorial page. 
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4l30Youn& Mens 
Three- Button 
4130 Young Men s 
Three-Button 
. Box Back . 
Why We Buy “4130” 
To be successful we retailers must above all else 
consider your needs , your taste, the real value that you 
get from what you buy of us. 
No argument, no tempting profits could induce us 
to buy clothing unless we felt sure it would satisfy 
you in fabric, style, fit, comfort and long wear. 
It is easier for us to know this about No. 4130 
Clothcraft Blue Serge Special than almost anything 
else you will see in the store. 
”4130” is guaranteed pure wool—we know it has 
the stuff in it to make it keep its shape and outwear 
two suits of cheaper fabric (often at higher price). 
Then, too, it’s made in the Clothcraft Shops where 
every little operation has been studied and im¬ 
proved, where thousands of dollars are saved, and 
put back into better design, better fabrics, better 
workmanship. But it costs you only $18.50. 
Drop in at the Clothcraft Store. Whether you 
buy or not we’ll be glad to see you and show you 
not only “4130” but many other pleasing Clothcraft 
Suits and Overcoats from $10 to $22. 
We also carry a Spring weight Clothcraft Blue 
Serge Special at $15, knowu as No. 5130. 
The Clothcraft Store 
(in your town) 
Write to Tbe Joseph & Reiss Co., 635 St. Clair Avo., Cleveland. 
Ohio, for their new Style Book, a sampleof the all-wool fabric used 
in Clothcraft "4130" and a personal note of introduction to the 
Clothcraft Store nearest you. 
4130 Youn£ Men's 
Two-Button 
4130 Youn^ Men’s 
Three-Button 
Patch Pockets 
Soft FColl . 
Y- 
4130 YounfcMon’s 
Double Breasted 
,a 
4130 You nig. Men’s 
Throe-Button 
. Soft Roll . 
