54 
THE) RURAL NEW-YORKER 
January 9, 1915. 
PUBLISHER’S DESK 
A CCORDING to an article in a re¬ 
cent copy of Th R. N.-Y., the read¬ 
ers rae invited to join the Savings 
and Loan Association organized by you, 
and would be very much pleased if you 
would accept me as a member. J. o. 
New York. 
There is no formality required for 
membership in the Rural Savings and 
Loan Association, or in any association 
of this kind. Of course everybody 
knows by this time that these associa¬ 
tions are local units of the Land Bank. 
Any person can join a savings and loan 
association in his own neighborhood by 
simply signifying his intention to take 
one or more shares on a payment of 50 
cents per share per month. Fifteeu per¬ 
sons in any community may organize a 
savings and loan association of their 
own, whether another one exists in a 
place or not, and any person who de¬ 
sires to become a member of the Rural 
Savings and Loan Association may do 
so by simply writing a letter to this 
office, stating how many shares they want 
to take and making the first payment. 
The charter of the Land Bank of the 
State of New York has now been executed 
by subscribing members and the charter 
has been approved by the Superintendent 
of Banks, and the Land Bank of the State 
of New York is now a reality. Of 
course there is some work to be done yet 
before the bank is ready for business. It 
is a provision of the law that all of the 
stock must be paid in before the bank 
can open its doors. The organization is 
now ready to call in the capital stock, 
and this will probably require two or 
three weeks’ time. The bank will then 
have $100,000 of capital, and the author¬ 
ity will be given by the Superintendent 
of Banks to open its doors and begin 
business. 
Anything that could be said yet about 
the future of the bank would be a mere 
speculation, but it certainly promises to 
be a very large institution of very great 
importance to the people of the State, 
and we predict for it an early opening 
■'or business and an institution of great¬ 
est importance. It is the first thing of 
the kind adopted in the United States, 
and is altogether a more comprehensive 
institution than anything in the co¬ 
operative line that we know of in Eu¬ 
rope. 
I received the Adams Express Com¬ 
pany v, icher for the crate of eggs, and 
I would be putting it in a very mild 
way merely to say that I thank you. I 
have come to believe that securing pay¬ 
ment for a claim from them is more of a 
surprise than to awake on Christmas 
morning and find a present from an ac¬ 
quaintance from whom you had no ex¬ 
pectation of receiving anything. I hope 
you may be as successful with the other 
two as you have with the two you have 
collected, and I trust you and your val¬ 
ued publication may experience a happy 
and prosperous New Year. C. I). 
New Jersey. 
We are not sure at any time that we 
can get settlement but we do not neglect 
any of the claims that come to us. Some 
of our. subscribers may feel ve have neg¬ 
lected their particular claim because we 
are unsuccessful and have collected a simi¬ 
lar claim for some one else. We can ap¬ 
preciate their feeling in the matter, but 
there are many things to be considered 
in presenting claims, and so many techni¬ 
calities to be encompassed, that at times 
we cannot collect what we know to be 
a just claim, and we can see no loophole 
for declination. Points are brought up 
which we cannot explain away or sup¬ 
port with definite statements. Some¬ 
times it is an account sales or receipt, or 
the claim has not been entered within 
the time limit. At times a case is per¬ 
fectly clear but adjustment is refused, 
and the only recourse is to bring suit, 
and in the majority of cases the amount 
is too small for this. If we report suc¬ 
cess in some cases, it must be remem¬ 
bered there are others where we are not 
successful, and at times we have referred 
to these. We use our best efforts and 
regret our failure more than the sub¬ 
scriber does. 
I am enclosing a letter and some lit¬ 
erature received from Sam Katz, Chica¬ 
go, Ill., claiming to cure catarrh. I an¬ 
swered his advertisement a year ago and 
he has sent me at least 25 letters. He 
offered me his full treatment at first 
for $0. I did not accept the offer and 
he came down to $1. I still refused, and 
he sent a circular saying he would not 
write me any more. Now he sends me 
the enclosed, offering the $6 treatment 
for $1 and money back in l5 days if not 
satisfied. Is he a humbug or can he cure : 
catarrh? Have you ever heard of a cure 
for the disease? o. W. b. 
We are not acquainted w T ith this par¬ 
ticular remedy, but the method of offer¬ 
ing it alone leads us to be suspicious. 
The inference is that Mr. Katz is in the 
business to make money, not to benefit 
humanity, and if the cure had any ben¬ 
efits the reputable physicians would be 
only too glad to use it. Most of the so- 
called “cures” aggravate the trouble, and 
lead to more serious conditions. 
On April 11, 1914, I sent 50 cents for 
burner to the Bright Light Company, 
Grand Rapids, Michigan. I have never 
received it, and can get no reply from 
them. They have received the money 
order and cashed it, for I have had it 
traced. • J. M. H. 
South Dakota. 
We asked the Bright Light Company 
to look up this order, and but they neg¬ 
lected our letters as they did the sub¬ 
scriber’s. No company is justified in 
ignoring a complaint of the kind. If the 
goods had been shipped and lost in tran¬ 
sit the information is certainly due the 
person favoring them with the order. 
The amount is not large, but a concern 
treating a shipper in this way over a 
small order does not establish an en¬ 
viable record, and will lose larger orders. 
Talking Poultry Yards, Ilainesport, 
N. J. 
Cedar Crest Y’ards, Masonville, N. J. 
A. N. Gibbons, Masonville, N. J. 
R. J. Gibbins, Mount Holly, N. J. 
The above are so far as we know the 
names used by R. J. Gibbins in conduct¬ 
ing his poultry business. A local report 
says that “his method is to take orders 
for pullets to be delivered in the future, 
requiring a deposit on orders; also ad¬ 
vertising that he will buy pullets at so 
much per pound. Those he buys he does 
not pay for; those he sells he does not 
deliver, making it a profitable business, 
lie will pay for a small part of an order, 
and deliver a part sometimes. This re¬ 
port only confirms the experience of our 
subscribers who have had dealings with 
him, and we hope that every reader of 
The R. N.-Y. will paste the name of R. 
•T. Gibbins and his many aliases up along 
side of E. F. MacAvoy as poultrymen to 
be avoided. The I’ostoffice Department 
will undoubtedly take action against Mr. 
Gibbins as soon as sufficient evidence ac¬ 
cumulates to warrant it. 
Would you undertake to get settlement 
on a shipment of apples sent to O. E. 
Baldwin & Co., 78 W. South Water St., 
Chicago, Ill., commission dealer? I 
have sent a small lot of apples to him, 
and have not received remittance from 
him, but received a letter giving state¬ 
ment of the amount due on them and 
saying that he would be able to pay the 
bill next July with 5% interest. 
Michigan. N. w. s. 
It seems hardly necessary to comment 
on the above transaction. It is not like¬ 
ly that anyone learning of the experience 
of the Michigan subscriber will be likely 
to trouble O. E. Baldwin & Co. with 
shipments of produce. 
Enclosed find statement of account 
against Geo. Wessels, 4024 Carpenter 
Street, Bronx. New York, formerly 659 
Post Street, Williamsbridge, N. Y., for 
$100.50. Will you try to collect it for 
me? f- C. A. 
New York. 
We fear we shall not be successful in 
making this collection. We have two 
complaints on file at the present time 
against Mr. Wessels for egg shipments 
during April and July. Ilis explanation 
to us in these cases was that he was in 
hard luck, but would adjust by making 
semi-monthly payments; that he was out 
of the egg business, and while he might 
still sell a few he would not go in it 
again. The promised payments did not 
come, and now 7 the above report comes, 
which shows Mr. Wessels solicited egg 
shipments in September and ^>till neglects 
to pay for them. We do not want to be 
hard on any man who is in bad luck, but 
there is no reason why shippers should 
continue to send him produce if payments 
are not made, or some attempt made to 
adjust and old balance. J. J. d. 
A little boy of four had quarreled 
with the boy across the street. His aunt 
told him he must go kiss the boy at once 
and tell him he was sorry. He said: 
“You go kiss him, auntie; I might bite 
him !”—Woman’s Journal. 
r it 
Pulverizes Three Times 
^Spreads Seven Feet 
The NISC0 Spreader is 
a Big Time and Labor Saver 
Don't experiment. Don’t buy in haste 
and repent in the repair shop. When 
you spend money for a manure spreader be sure 
that you get real spreader service. 
The Nisco is a low-down spreader (41 inches) that loads 
easily without back-breaking over-head throwing. It can 
be piled high because it pulls easily and spreads without clog¬ 
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features only in the 
Forty points of 
Unquestioned 
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N ISCO 
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Takes Three 
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Special double cylinder and distributor gets at the manure three times 
before it leaves the spreader. This insures thorough pulverization. Our dis¬ 
tributor at the end gives a seven foot spread and special drag conveyor ab¬ 
solutely prevents racing. Y’ou can load the Nisco 12 inches higher than top 
of sides. The horses will pull it easily and every particle will be spread. 
Chain Drive—No Gears to Freeze or Get Out of Order 
This big mechanical point alone is 
enough to make the Nisco an easy win¬ 
ner. Gears strip when suddenly thrown 
in. They break under hard strain and 
freeze in winter. We use a heavy chain 
that always meshes and moves the spread¬ 
er mechanism without fail. The Nisco 
chain-drive operates more surely and with 
less power than any gear-driven spreader 
that could be built. 
The Nisco Spreader is solidly built 
throughout. It has substantial box with 
steel sills. Seventeen-inch clearance pre¬ 
vents conveyor dragging on ground. Front 
wheels turn under. Tongue set low to pre¬ 
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under bed. Two levers give easy control. 
We guarantee the Nisco for one year 
against breakage from ANY CAUSE, even 
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best material and workmanship and to do 
everything we claim for it. 
to show you the Nisco and explain its Forty Features. If the dealer doesn’t 
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write a post card for our catalog and name of nearest dealer. 
The New Idea Spreader Co. 
194 First Street “Spreader Specialists” Coldwater, Ohio 
Feet Wide 
Prepared with the 
Acne 
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A FTER plowing sod or stubble it must be worked down thoroughly and pulver- 
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BETTER CROPS will result. 
The “ACME” PULVERIZING HARROW makes possible the perfect seed bed. 
Sizes 3 to 17J4 ft. wide for one to four horses. 
Light Draft All Steel Low Price 
Write for catalog and name of nearest dealer 
DUANE H. NASH. Inc., 379 Division Ave., Millington. N. J. 
gfk*' 
f sm» Tf 
Galvanized or Painted Roofing 
Made of high grade open hearth metal. All galvan¬ 
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Also makers of galvanized shingles for houses. 
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Made of selected best grade No. 24 gauge basic 
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Established. 1877 
THE SYKES METAI. I.ATH A ROOFING CO. 
516 River Road, Warren, Ohio 
from T MILLatMILL PRICES 
It's easy 
to gar¬ 
den with 
Iron Age 
mm 
WHEEL HOES 
AND DRILLS 
tools. 
Wo. 
mean a big variety of 
fine vegetables, with 
drudgery - stooping, 
hoeing and hand-weed- 
_ing cut out. 
In one operation the tool shown below will open its own 
furrow, sow in continuous rows or drop in bills, cover the 
seed with loose soil, pack it with roller, and mark 
the next row. A boy can do it. A three min¬ 
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at $2.50 to $12.00. Straight planting; 
clean, close, safe cultivation. Ask your 
deafer to show them. 
Write os today for free booklet 
' * Gardening W ith Modern Tools. ’ ’ 
BATEMAN 
M’F’G CO. 
Box 212 
Sronloeh, N.J. 
' ’—^_■ I ■. , 
7 by putting low “Electric” Steel Wheels on Y 
r your old running gear, or by getting a low \ 
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wheels make lighter draft—do not rut roads or 
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ELECTRIC WHEEL CO. 
48 Elm 1_ Quincy, |l 
Street! Illinois M If , 
COOKED FEED 
Saves You Money 
Learn w hat agricultural college and 
ex)Hfrimental station men say. 
Write for printed matter on the 
“Farmers’ Favorite” 
Feed Cooker and Boiler 
Just the thing for cooking feed for 
poultry and stock, heating w’ater 
for cows—butchering of hogs— 
washing, etc., rendering lard and 
tallow, sterilizing dairy utenBils, 
boiling sap, etc. 6 sizes. Satisfac¬ 
tion guaranteed. Write today. 
LEWIS MFG. CO. 
52-76 Owego SL, Cortland, N. Y. 
Burns 
Any 
Fuel 
No Brick 
Foundation 
BOOKS WORTH READING 
P How Crops Grow, Johnson. 1.50 f| 
If Celery Culture, Beattie.50 §§ 
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The Rural New-Yorker, 333 W. 30th St., N. Y. 
