1484 
THE RURAL NEW-YORKER 
December 18, 1915. 
Hay Auction; Apples; Land Bank 
Onondaga Alfalfa Growers’ Association 
The members of the Onondaga Alfalfa 
Growers’ Association are writing Gov¬ 
ernor Whitman protesting against the 
railroad embargo on our hay in the most 
vigorous way. We are receiving a large 
number of communications from all over 
the country, from interested buyers and 
consumers who are asking for catalogues 
and information regarding our weekly 
sales. Some of them say that they at¬ 
tended on the 30th, but failed to find any 
bay sale, am. are asking when we are to 
have the next sale. 
These inquiries are coming from vari¬ 
ous parts of the country, Pittsburgh, Buf¬ 
falo, Vermont, New Hampshire, New Jer¬ 
sey, Pennsylvania, and other parts of the 
country, and it would seem as if we 
would have had hundreds of buyers there 
if the stile had been pulled off. 
We will write to the various corres¬ 
pondents suggested as prospective buyers 
of hay, and will give them our quotations 
and thank you very much for the op¬ 
portunity. Wo really think that the auc¬ 
tion sale is the most promising thing 
which has ever been suggested; it is pop¬ 
ular with our producers and seems to be 
of very great interest to the various 
buyers of hay throughout the country. 
We are more than ever convinced that it 
would be a splendid success, carried out 
along the lines which you suggest, and 
we hope that a way can be found to es¬ 
tablish the sales. 
With kindest regards, we remain, 
.JOHN MC LENNAN, 
Syracuse, N. Y. Secretary. * 
Few things that have happened in this 
State ever stirred up farmers as the em¬ 
bargo on that hay. Even producers who 
have no hay to sell see their helplessness 
in such a situation with any product. 
The previous agreement with the railroad 
was definite. The hay was ready to ship. 
The sale was advertised. Then the rail¬ 
road repudiated its verbal contract, and 
flatly refused to deliver the hay. Its 
agent admitted that the Hay Association 
protested against the delivery. Other 
freight was moving over the road at the 
time, and the pier was not crowded on 
the day of the sale. There was ample 
space there for the sale. Other hay lay 
on the dock awaiting private buyers. 
Such shipments do congest the railroad 
facilities. The auction would sell 10 cars 
in 30 minutes and the hay would move 
out promptly. The quick action of the 
auction always relieves congestion; yet 
the railroads listen to the dealers who 
cause congestion and refuse service to 
the farm shipper who would move the 
hay out promptly. 
But with it all. State hay has received 
some good advertising, and it must be 
remembered that there was no purpose 
to confine those sales to State hay ex¬ 
clusively. Once started they will be open 
to shippers everywhere. Every grower, 
no matter where located, is interested in 
an open sale and a free market where 
goods are sold on their merits to the 
highest bidder, and where there is no 
opportunity for deception or trickery. 
Governor Whitman will do well to heed 
these protests. Tt. is hard to understand 
how he could either neglect' or refuse 
to do so. These growers are not asking a 
favor. They demand a right. 
Good Returns for Apples 
Castile, N. Y., Dec. 2, 1915. 
Department of Foods & Markets, 
New York. 
Commisioner John J. Dillon, 
Dear Sir:—Returns for my car of ap¬ 
ples which were sold the 29th, were re¬ 
ceived today and I am very much pleased. 
1 am confident it is much more than I 
would have received in any other market 
for the same grade of fruit, and another 
factor that made the returns good was 
the commission charges, etc., less than 
seven per cent. The cause for which you 
are working is a good and just one and 
I wish you success. You have my sym¬ 
pathy and support. 
I read both The R. N.-Y. and Packer, 
also am a grower and shipper of fruit, 
consequently I understand the situation 
thoroughly. 
I thank you for the returns and ser¬ 
vices rendered and wish you prosperity. 
Respectfully, 
G. E. SMITH. 
When one is doing the best he can in 
a difficult situation, under strong oppo¬ 
sition, it is pleasant to have an acknowl¬ 
edgement like the above. There may be 
individual sales where the shipper will do 
as well, or better, in returns from a com¬ 
mission dealer than from the auction 
sale by the Department; but when qual¬ 
ity of goods is considered we have not 
yet found such an instance. The auc¬ 
tion market has developed a large line 
of good buyers for all kinds of apples, 
and it needs only a full and regular sup¬ 
ply to make this service worth a lot of 
money to the fruit growers of the State. 
The demonstration has already been 
made and it now rests with the growers 
to say whether they want to support and 
develop it, or go back to the old meth¬ 
ods. At the beginning of the season we 
felt it would be necessary to have about 
five carloads a day to standardize the 
price and set the market price daily. We 
know now that five cars a day would do 
it, but even smaller shipments of high 
grade fruit will be an eye-opener for 
some growers who yet hesitate. 
Farmers’ Saving and Loan Association 
The First Farmers’ Saving and Loan 
Association, located at Centerville, Sulli¬ 
van County, N. Y., was the first associa¬ 
tion to secure a deposit for the benefit 
of its members from the Land Bank of 
the State of New York. On Monday of 
last week the treasurer of the association 
received through Managing Director Ed¬ 
win Howell, a check for .$5,000 signed by 
I). B. Hutton, first vice-president and 
John J. Dillon, treasurer of the Land 
Bank. At the same time $45,000 was 
deposited with other associations connect¬ 
ed with the Land Bank. These associa¬ 
tions are located at Meehanicsville, Jam¬ 
aica, Geneva, Spring Valley and New 
York. 
The $100,000 of capital of the Land 
Bank was previously invested in farm 
and home mortgages; but this was the 
first actual transaction in the line of the 
real business of the Land Bank. It is 
the first time in the history of the State 
that mortgages on the small homes and 
farms of the State have been assembled, 
standardized and mobilized so that capi¬ 
tal from centers of population and from 
large financial institutions could be at¬ 
tracted to finance the mortgage of the 
home and the farm. 
The First Farmers’ Saving and Loan 
Association is an incorporated organiza¬ 
tion of Jewish farmers. It is the first 
saving and loan association exclusively 
of farmers in the State. It was organ¬ 
ized immediately after the passage of the 
law creating the Land Bank in order to 
secure the benefits of the bank for the 
Jewish farmers of Sullivan County. The 
association will loan out the money on 
bond and mortgage to its members; and 
then these new mortgages may be as¬ 
signed to the Land Bank and new de-» 
posits demanded as long as the regula¬ 
tions of the law are not exceeded. Mort¬ 
gages, the face value of which equal 125 
per cent, of the money deposited must in 
all cases be assigned to the Land Bank 
by the association in order to receive the 
deposit. These mortgages are filed with 
the State Comptroller, and a certificate is 
issued by the Comptroller acknowledging 
their receipt. The Land Bank is then 
authorized to issue its own bonds to the 
amount of SO per cent, or' the face value 
of the mortgages, but not to exceed 20 
times its own capital. The money real¬ 
ized on these bonds is then deposited 
with the associations under proper safe¬ 
guards, and the money is in turn loaned 
on mortgage to the members of the asso¬ 
ciations. 
The first issue of bonds sold on this 
plan by the Land Bank was for $50,000 
and these were purchased at' par by the 
Guarantee Trust Company of New York 
City. The bonds bear interest at 4per 
cent, and run for 10 years, but are sub- 
jec-t to call and payment at 103% of face 
value. 
When so conservative an institution 
as the Guarantee Trust Company buys 
these bonds at par at 4% per cent, tiie 
stability of the bonds as a sound invest¬ 
ment is established. Few bonds of any 
class today are selling below five per 
cent, and many municipal and Govern¬ 
ment bonds pay as high as six per cent. 
A security that sells at 4% per cent, at 
such a time must be recognized as gilt 
edge. We have some pride in this record, 
as we have contended from the first that 
the bonds of the Land Bank would be 
recognized as such a sound form of in¬ 
vestment, they would sell in competition 
with the most stable securities in the 
country 
There has been much discussion of 
farm credits in this country by States 
and Federal Government, but New York 
State has the first and only Land Bank 
in actual operation. 
Farmers and home owners in any part 
of the State are entitled to profit by this 
institution. To do so they need only as¬ 
sociate themselves with saving and loan 
associations now existing, or to form new 
associations. No institution, however 
wisely planned, can do it all. To benefit 
by it, borrowers must do their part. 
When developed to its full capacity, the 
Land Bank will be one of the largest and 
most important institutions of the State. 
Here are my 
Latest Prices 
(F.O JJ. Factory) 
STATIONARY ENGINES 
2 H-P, 
*34 95 
3 H-P, 
82.45 
4 H-P, 
69.75 
6 H-P, 
97.75 
8 H-P, 
139.65 
12 H-P, 
197.00 
16 H-P, 
279.70 
22 H-P, 
359.80 
PORTABLE ENGINES 
2 H-P, 
*39.95 
3 H-P, 
60.50 
4 H-P, 
62.75 
6 H-P, 
127.75 
8 H-P, 
174.65 
12 H-P, 
237 OO 
16 H-P, 
329.70 
22 H-P, 
412.30 
ENGINE SAW-RIGS 
4 H-P, 
*124 25 
8 H-P, 
152.25 
8 H-P, 
202.15 
12 H-P, 
267 OO 
5-Year 
Guarantee 
Let me send you an engine 
to earn its own cost, while 
you pay lor it. It 
is cheaper now, to 
have an engine, 
than to do with¬ 
out one. 
WITTE Engines 
Gasoline, Kerosene, Distillate, Gas 
Before you arrange to try any engine, for any 
E rice, let me send you my evidence to prove the 
igh quality — the high earning capacity of my en¬ 
gines. After all, it is what an engine earns, 
in proportion to its cost of purchase, and its 
cost of operation, that tells how much the 
engine is worth. Judged by this test, the 
WITTE wins every time. 
Wnfp for Rook book. How to Judge 
VV111C IU1 mum EnKincSj ” will show you 
how to select the engine most suitable to your 
needs, and how easy it is to run a WITTE at any 
kind of work. Address my nearest office today. 
Ed. H. Witle, Witte Engine Works, 
1893 Oakland Ave., Kansas Ciiy, Mo. 
1893 Empire Bldg., Pittsburgh, Pa, 
To' 
K 
These are the only light-weight farm engines. 
High speed and throttle governor, with perfect balance, 
give smooth, continuous flow of power and uniform speed 
instead of violent, irregular explosions and fast and slow 
speeds of old-style engines. This explains why Cushman engines 
are so light in weight, yet more steady - running and more 
durable than engines weighing four or five times as much. 
Only All-Purpose Farm Engines 
Besides doing alt regular jobs, Cushman Engines may be used for so many jobs 
heavy engines cannot do. 4-H. P. is original binder engine, also used on corn binders and 
potato diggers. 8 H. P. used on hay balers, corn pickers, etc. 15 H. P. weighs 780 
lbs.; 20 H. P. only 1200 lbs., for heavy duty. 
Cushman equipment is much superior to that of ordinary 
farm engines. Friction Clutch Pulley and Schebler Carburetor. 
20 H. P. has gear-driven high tension Magneto. Cooled by forced 
water circulating system, permitting all-day run. Moving 
parts enclosed and run in bath of oil. Run at any speed- 
speed changed while running. If you want a real farm 
B engine, to run without trouble 
Cushman Euglnes I a nd do all your work, you need 
a £°«. n ?h choap * M the Cushman. Book free. 
but they are 
ch ro a n P g i run t . he A CUSHMAN MOTOR WORKS 
847 No. 21st Street, Lincoln, Neb. 
2-CyI. 8 H. P. 
With Clutch | 
Pulley 
Weight 
320 
lbs. 
Why Not Produce More 
From Your Soil? 
Tankage and Oilmeal are used to supplement and 
balance home-grown animal food stuffs. The result 
is quicker growth, earlier maturity, better gains and 
more profit from live stock. 
FERTILIZERS are used to supplement and balance Na¬ 
ture’s Fertility. They produce quicker crop growth, earlier 
maturity , better quality , greater quantity and more PROFIT. 
By using Concentrated foods, you make farm feeds more valu¬ 
able. By using concentrated Plantfood, you make soils more 
productive and more profitable. 
oeuu iur our iree Dooxieis. 
Soil Improvement Committee 
of the National Fertilizer Association 
970 Postal Telegraph Bldg., Chicago 
OEND for Our New 12 Page Catalogue, illustrating and des- 
C/ cribing articles given for securing subscriptions to the Rural 
New-Yorker. Postal to Department “M” Rural New Yorker, 
333 West 30th Street, New York City, will bring full details. 
