102 
RURAL NEW-YORKER 
January 20, 1017. 
PUBLISHER’S DESK 
If jjer.sou writing this clepartmont for 
information and signing initials J. J. J., 
Massachusetts, will write again signing 
his full name he will receive the advice 
he seeks. We cannot publish anonymous 
communications, hut no reader need fear 
that we will publish his or her name 
witliout consent. 
I .ioined the West Virginia Rural 
Credit Association, Charlestown. W. Va.. 
Sept. (1. 11)10. They said they would 
be in shape to make loans in two months, 
so yon .see they are not doing it. It cost 
me .$100 to join this, no difference how 
small a loan I may want or how large. 
1 saw some printed literature from the 
Federal Farm Loan Bureau, the other 
day. and from what I can understand it 
would oivly cost me $5 on every .$100 
that T would bori-ow. It seems to me 
tliat it wotild he cheaper for me if I 
could withdraw from said a.ssociat’on and 
join a National Farm I.oan A.ssociatiou. 
Please give me your advice about the 
matter. 
West Virginia. 
Since the Federal Farm Law was 
passed a large number of rural credit as¬ 
sociations, similar to the one mentioned 
above, have sprung up in various sec¬ 
tions of the country. These associations 
have no connection with the Federal 
Farm Loan Bank, and should not be 
Confused with the Fe<leral associations 
that may be formed under the new Fed¬ 
eral law. 
We have taken the subscriber’s claim 
mi with the West Virginia Rural Credit 
Association and we are advised l)y the 
association that in the interest of all 
subscribers to the stock of the associa¬ 
tion the $100 paid by this sub.scriber can¬ 
not be refunded. On general principles 
we are opi)o.sed to these associations that 
require payment of a membershii) fee or 
investment in stock by the prospective 
borrower in order to secure the loan. 
The plan is not unlike the Standard 
Home scheme of Birmingham. Ala. V e 
do not wish to give the inference that 
this West Virginia Rural Credit Asso¬ 
ciation is conduct('d on a fraudulent 
basis, as was the Standard Home Com¬ 
pany. but even when these a.ssociations 
are conducted in the t>est of faith, the 
plan has its drawbacks, and we would 
not advise our jieople to join such asso¬ 
ciations. Perhaps the representation to 
this subscriber that he could secure a 
loan within two months w.as due to the 
enthusia.sm or imagination of the agent 
or salesman of the association, and 
the repre.sentations were not authorized 
by any of the officers. At any rate, the 
result is the same to our subscriber— 
he paid his money in good faith with 
view to securing the loan within two 
months, and he has not yet been able 
to secure it through the association. 
Frank B. Mills of Rose Hill, a well 
known business man. was brought be¬ 
fore Federal ,Tudge George W. Ray last 
evmiing on a charge of fraudulent use 
of the United States mails. He was re¬ 
leased on $2,500 bail, to await disposi¬ 
tion of bis case. . 
Mills was brought to this city by 
Deputy TTnited States Marshal .Tolm 
Wekslu He appeared in coui't this 
mornings with liis oounst'h I). 
Burden of Costello. Burden. Coonay & 
Walters of Svracuse. Tlie matter was 
held open.—Syacuse Advertiser-.Tournal, 
.Tanuary 2. 
F. B. Mills is the well-known seeds¬ 
man of Rose Hill. N. Y. Of late years 
he has turned his attention to promotion 
sc-hemes. among which are the Consoli¬ 
dated Ginseng Co. of America. Rose Hill, 
N. Y.. Triumph Mines, Ontario. Can., and 
the Mills Farms, Fruitlaiul. Miss., all 
of which have been exposed in these 
columns. This is another case of a man 
with sufficient ability to accumulate a 
fortune by honorable methods, but delib¬ 
erately choosing the get-ridi-quick route. 
As a seedsman Mr. Mills is in very much 
the same class as .T. A. Fveritt of Indian¬ 
apolis. who it will be remembered was 
convicted of fraudulent use of the mails 
a ft'w weeks ago. 
I enclose a letter which I would like 
to have vou look over and see what you 
think of it. I answered a picture puzjile 
in one of our local papers recently, and 
sent in to them and this is their reply. 
1 suspect it is really of no account. 
Connecticut. i''- C- S. 
The letter referred to is a printed 
form with the subscriber’s name filled in 
on typewriter from the Associate Adver¬ 
tising Co., B2.*^ Federal Ht.. Chicago, an¬ 
nouncing an award of $104 because of 
the .solving of the “Wilson Puzzle Con¬ 
test.” A coupon is enclosed which it is 
alleged has a value of $104 which may ; 
be ajiplied to the purchase of a iiiano 
through Lord & Co. of New Haven. Conn. 
The sub.scriber is justified in his .sus- 
jiicioms. The puzzle referred to was. no 
doubt, .so simple that everyone could 
solve it. No doubt everyone entering 
the contest were declared a winner. 
These schemes of making prospective cus¬ 
tomers believe that they were getting 
‘•.something for nothing” were very popu¬ 
lar some years ago, until some of the 
liromoters of the .scheme were prosecuted 
for fraud. We shall bring the .scheme 
to the attention of the Postoflice Depart¬ 
ment for investigation, and in the mean¬ 
time we trust that no reader of The 
R. N.-Y. will be deceived by it. 
I am sending you a statement of In¬ 
ternational India Rubber Corporation, 
including a prospectus. These people are 
working hard selling stock here among 
auto owners, and it looks like .a good 
thing, except the profits look pretty big. 
In addition to big dividends, all owners 
of stock can buy tires at wholesale, or 
about S0% less than prices quoted on 
good tires of other makes. Now. if this , 
is safe, I should like to get in on it. but 
1 liave read The R. N.-Y. several years 
and I am a little “leary" of this, so am 
asking you for your oiiinion. c. v. E. 
Indiana. 
W\' have had inquiries similar to the 
above from several subscribers regard¬ 
ing the International India Rubber Cor¬ 
poration of South Bend, Ind. M e have 
replied privately to these letters, that 
the high-sounding names of Studebaker 
and Schwab were the only basis that we 
could find to warrant an investment in 
the stock of this company, and. for our¬ 
selves, we should have to have something 
more substantial than this before part¬ 
ing with our money. 
In a bulletin issued by the National 
Vigilance Committee of the Associated 
Advertising Clubs of the M orld of In¬ 
dianapolis it is made clear that the presi¬ 
dent of this company. Peter E. Stude- 
baker, has never been connected with the 
Studebaker Corporation of the same city, 
except in a clerical capacity. He is re¬ 
ported to have had no experience in auto¬ 
mobile tire business or other large enter¬ 
prises, and he cannot fairly be consid¬ 
ered.a “captain of industry.” as the ad¬ 
vertising literature describes him. Evi¬ 
dently the promoters of Ibis enterprise 
have capitalized his individual "name and 
are using it as “sucker bait.” 
It is further leported that E. H, 
Schwab has. for reasons which are not 
stated, resigned as an oliicei’ of the com¬ 
pany and his resignation has not been 
accepted by the corporation, and they 
continue to u.si' .and trade on his name 
as one of the directors. 
The above evidently disposes of two 
lirincipal assets of this promotion scheme. 
The International India Rubber Corpo¬ 
ration is a milliou-dollar corporation, 
$500,000 common stock and $.500.0<K) pi’e- 
ferred sUick. A rather novel feature of 
this scheme is that the investors receive 
in return for their momw what is called 
an “ad-interim certificate" which is re¬ 
deemable on .Tanuary 1. 1010. or two 
years hence. We assume that these “ad- 
int'M-im certificates" are very much of 
the same character as tlie ‘‘interim re¬ 
ceipts” which E. G. l.ewis issued to his 
dupes in connection with his various Rt. 
I.ouis schemes some years ago. Our 
readers know the disaster which followed 
the issuing of "interim receipts ’ by 
I^ewis, and we can see no brighter pros¬ 
pects for the people who may be induced 
to invest their savings in this project, of 
which there is nothing more tangible at 
present than the proposed plan of the 
promoters to build an eiuu'inous factory 
for the manuf.acture of automobile tires. 
The whole proposition seems to iis to be 
a barefaced attempt to trade iipou the 
good name of Studebaker Gorporatiou and 
the name of Schwab, which stands for 
something approaching the magical in 
financial circles. When the public un¬ 
derstands the true situation we predict 
that the promoters will be obliged either 
to finance the proposition themselves or 
abandon it. The Rhuai. New-Yokkek 
readers have had advice enough regard¬ 
ing promotion schemes of this kind, so 
that anyone who may have been caught 
on it only has himselt to blame. 
You want Electric Light— 
why not get it? 
Here’s the very plant you need—a Dyneto—made 
in the big Dyneto factory by the Dyneto electrical 
experts—for you. No matter where your place is, 
whether in the suburbs or in the heart of the woods, 
you need and ought to have one of these wonder- 
ELECTRIC- 
LIGHTING 
PLANTS 
with pure, mel¬ 
low electric lignt—all you can use of it. It will oper¬ 
ate your churn, pump, grindstone, etc., with the belt 
attached to the pulley of the gasoline engine, w^hile the 
batteries are being recharged for light. Furnished in 
three sizes, with or without engine. Write at once 
for further information. No obligation. 
Good Agents Wanted. Write for Territory 
DYNETO ELECTRIC CORPORATION 
200 Wolf Street, Syracuse, New York 
fully simple, compact, efhcient 
It will flood vour house and ba 
tWrite for Book 
Today 
FARM WAGONS 
High or low wheels—steel or wood — wide 
or narrow tires. Steel or wood wheels to fit any 
running gear. Wagon parts of all kinds. Write 
today for free catalog illustrated in colors. 
ELECTRIC WHEEL COm 48 Elm Street. Quincy, III. 
Valuable FREE Book 
Every farmer who owns an engrino or expects to 
buy one should know how to figure exactly what an 
engine is worth — Why i oso the valve in the head 
design, tlie off-set cylinder construction and 
larger valves in 
O TTAWA F.NGINES 
Kerosene Oil, Geeollne, DIstllletem 
With my Kerosene engine you getmore power from 
a gallon of 6o Kerosene than you can get from a 
gallon of 20 or 25 cent gasoline m any gasoline en¬ 
gine. No cranking, nobatteries, easy to start, easy 
to operate— 90 Days' Trial 
r 10-Year Guarantee 
Longest sold direct from fiwtory 
to user — before you choose 
ony engrino get my newest 
■ end finest book and mooiyr 
™e{iving olTer--e postal uxiogs lu 
GEO. E. LONG. 
OTTAWA MFG. CO. 
698 kin* St. Ottawa, Kanfc 
SELF-OILING WINDMILL 
With INCLOSED MOTOR 
Keepin3 OUT DUST and RAIN-Keeping IN OIL 
OIL 
SUPPLY 
BEPLEN- 
ISHED 
ONiy 
ONCE 
AYEAft 
DOUBLE GEARS - Each Carrying Half the Load 
Every feature desirable in a windmill in the 
AUTO-OILED AERMOTOR 
Write AERMOTOR CO. 
2550 West 12th Street CHICAGO 
Abraham Lincoln was asked how long a man’s legs should be and he 
replied, “they should be long enough to reach the ground—and no lon¬ 
ger ’’ An engine should weigh enough to do its work—and no more. 
Vcjirs ago it was necessary to cast engine parts very largo and heavj^ 
with heavy base and flywheel, or the violent explosions and fast and 
slow speeds of the old-style engine would tear it to pieces. 
Eight years ago the Cushman Motor Works designed a new type 
of farm engine weighing about one-fifth as much per H. P. as other 
farm engines, but so well built, balanced and governed that it ran nioro 
steadily and quietly than a farm engine was ever known to run. Some 
people laughed, and said that a 4H. P. engine weighing only 190 lbs. 
must bo a toy, but when they saw the Cushman at work beside heavy 
engines weighing five or six times as much, they realized that weight does 
pot mean power, and that the Cushman is a giant in power lor its size. 
Cushman Light Weight Engines 
40 to 60 Pounds per Horse Power 
4 H. P. Weighs Only 190 Ibs. 15 H. P, Weighs OnW 780 lbs. 
8 H.P. Weighs Only 320 lbs. 20H.P.WeighsOnly1200lbs. 
Cushman Kngines have Throttle Governor and Schebler Carburetor, 
insuring regular speed even on jobs of irregular loads, hke sawing. 
Their perfect balance also helps to make them 
steady, insuring unusual durability and free¬ 
dom from engine trouble. 
The4H.P. and the 8 H. P. are 
mounted on trucks, if desired, and may be 
pulled around by hand. These are very use¬ 
ful engines, as besides doing all work heavy 
engines do, they may be attached to machines 
in the field, as 4 H. P. on grain and 
corn binders and 8 H. P. on hay 
balers. All over 4 H. P. are double 
cylinder, giving steadier power. 
The Cushman is not a cheap engine. 
Engine '“TICSSOT but it is cheap in the long run. Ask for 
Woigha UMBnO free Light Weight Engine Book. 
190.ba. TRUCK cushman Motor Works 
S;r,'i1.*.1 *'■* 84? N. 21 .t St. Uncom, Nebr. 
Z Cyliridep 
Before Buyins Any Engine 
Ask Thasa Quastlons 
How much doas It 
weigh? If it weighs 
more than 60 lbs. per U. 
P., why? 
la It throttia (over- 
nad? A throttle gover¬ 
nor insures steady, quiet 
economical power. 
