116 
The RURAL NEW-YORKER 
January 25, 1919 
LLLJ— i » 
GARDEN i 
book 
r 1919 # 
You Need 
This Book 
in making upyourirar- 
den plantinglist. From 
coverto cover, itteemg 
with trne-to-life pic¬ 
tures and descriptions 
of the choicest vege¬ 
tables. It is a safe 
guide in selecting var¬ 
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or market. 
Gregory’s “Honest 
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For Quality 
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Plant Carpenter’s Giant Golden Sweet 
It’s as delicious as the famous Golden Ban¬ 
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inches long, yet it ripens only 3 days later. 
It does not become mealy but remains sweet 
and succulent until too hard for the table. 
The stalks grow 6 ft. high, bearing one or 
three ears each. Large pkt., 16c; % lb., 36c: 
1 lb., 65c; 2 lbs., $1.00 postpaid — Order now 
and ask for our big free catalog. 
J. J. H. GREGORY & SON 
1215 Elm St., Marblehead, 
tWEET CLOVER 
iite Blossoms;the greatest money-making ci 
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g For 70 years the leading authority ““ 
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with the .amount of standing time. Five 
years ago I made the prediction that in¬ 
side of 10 years all marketing would be 
done by professional market men with 
trucks, and things are rapidly shaping 
that way. nearly one-half the produce 
going to the Buffalo market being pur¬ 
chased at the door, or drawn for so much 
per bushel, usually 15 or 20 cents per 
bushel. 
I believe the ideal way would be for a 
group of farmers to form a club, buy a 
truck and hire a good man to do their 
marketing; charge the usual price, then, 
at the eud of the season, turn all surplus 
back to members. For other work than 
marketing a fixed price per mile could be 
charged. A great many advantages of a 
system like this are apparent. I would 
like to see it discussed in The R. N.-Y. 
Erie Co., N. Y. H. b. underbill. 
Buying a Farm Without Capital 
Contract Method of Purchase 
A Common Case. —The case reported 
iu an editorial on page 1406 of Tiie It. 
X.-Y. of a couple anxious to get located 
on a farm with ultimate ownership of 
their home, is but typical of hosts of 
others who have in them the making of 
an increased supply of successful farmers 
and food producers, just now so vital to 
the best welfare of our country at large. 
It is in the hope of suggesting a plan 
which will help in the solution of the 
problem by either a government agency 
or by private parties with money to loan 
that this is written. 
Risks Involved.— To loan money out¬ 
right to such parties in the amounts 
usually needed involves risks that few if 
any investors care to take even with a 
comparatively high rate of interest. The 
Federal Land Bank takes cognizance of 
these risks and refuses to make a loan 
involving greater risks than many other 
agencies already existing are glad to 
take, and hence it is simply another com¬ 
petitor for gilt-edged loans, and naturally 
unpopular iu certain quarters. 
Another Plan. —There is another 
plan by which all the desired benefits 
can be obtained and the financial risks 
mostly eliminated. I have seen the plan 
tried out iu a few cases with great suc¬ 
cess and cannot explain it better than by 
giving two examples that have come un¬ 
der my own personal observation. In 
1871 a relative of mine was newly mar¬ 
ried. had practically no capital, as he 
was not yet 21 years old. but both he 
and his young wife were farm-raised and 
had practical knowledge of farm life. 
They wanted to be farmers, but failed to 
find a suitable opening to rent a farm on 
the share plan, as they wished. The 
young man’s father, who owned quite a 
large farm devoted to dairying in Orange 
County. X. Y., offered to put up a set of 
farm buildings on a portion of his land 
(about 100 acres) and sell it to them on 
the installment plan. They accepted the 
offer, and I well remember happening 
along when the young man was breaking 
ground for the cellar of his new home in 
February, with the frost so deep in the 
ground that he had not yet got below 
the frost when I was there. 
Monthly Payments. —They bought 
the farm, including about 20 cows, with 
team, farm tools, etc., on a contract, 
agreeing to pay the father $80 a month 
as I recall it The purchase price was 
$10,000. The monthly payment of $80 
was to cover the interest and make a 
small payment each month on the prin¬ 
cipal. The title to the farm was to re¬ 
main in the father’s name until such time 
as the principal was reduced to such a 
point as to make a mortgage for the 
amount a safe investment. 
A Hard Task. —As it turned out the 
young couple had undertaken a hard task, 
and the father had made a good sale. 
Prices for milk as well as for land con¬ 
tinued to decline for a good many years, 
due to the resumption of specie payments 
after the war among other things, hut 
to make a long story short, the young 
man ‘‘made good.” ITe got his title in 
due time, improved his farm and build¬ 
ings until he had one of the finest farm 
homes in the county, and finally sold it 
for a good round sum, and is now living 
in retirement in his own home in town. 
The father took no particular risk at any 
time, except to see that his regular 
monthly payment from the milk bill was 
turned over. Had it failed for a specified 
number of months they could have been 
forced to give up possession. 
Another Case. —The other case re¬ 
ferred to is of a relative whose brother 
with money to loan played the part of 
broker, a part by the way which our 
Federal Land Bank is expected to play, 
but does not. This young man was farm- 
raised. but had gone to the city to try 
his luck, and wanted to get back to 
farming in 1909. He had a wife and 
four children, and only about $850 in 
money when he got “back to the land.” 
He rented a farm for two years, and then 
having a chance to buy a good farm that 
was in the market asked the brother to 
help him finance it. After looking over 
the property the brother concluded that 
the farm in question was a good safe buy 
at the price asked of $8,500. 
The Financier’s Offer. —He finally 
made this proposition: He would buy 
the farm in his own name, make needed 
repairs to the barn costing $500, put on 
a thousand dollars’ worth of additional 
cows he would need, and sell him the 
whole outfit for $10,000 on a contract, 
with monthly payments of $70 to cover 
interest and a small payment on the 
principal. The deal was made and has 
been successful. At first those four chil¬ 
dren were a handicap, but lately they 
are a great help instead of a hindrance. 
The brother who in this case represented 
the proposed government agency took no 
givat risk at any time, since the property 
nought with his money was well worth 
the money, and could be claimed at any 
time default was made in monthly pay¬ 
ment. Each month’s payment made his 
investment more gilt-edged, and brought 
the farmer that much nearer the time 
when he could claim title to the farm 
home he was all the time enjoying and 
improving. 
Meeting Payments. —The lawyer who 
drew the contract of sale told me soon 
after that it was an unusual document, 
and added that he did not believe it was 
possible for a man to go in debt for 
practically the entire purchase price of 
a farm and its equipment and “keep his 
head above water.” “Why,” said he, “it 
means a payment of over two dollars for 
every day of the 365 in a year.” The 
sequel shows that for eight years he has 
met the payments with reasonable 
promptness, the farm lias increased in 
cash value on his hands, while his per¬ 
sonal property lias increased in value 
even more from year to year by the ad¬ 
dition from time to time of an extra 
horse or cow or automobile or purebred 
bull, cow or boar. etc. Had the money 
been loaned to him in the usual way for 
yearly or semi-yearly interest it is not 
probable that he would ever have laid 
aside much to pay on the principal. 
Advantages of the Plan. —Those 
monthly payments never have time to be 
dismissed from his mind while he or his 
family spend the required money for 
things they could manage to do without. 
Monthly payments are all right for a 
dairy farmer, but on a fruit or potato 
or grain farm the payments would need 
to be arranged to match expected sales. 
A Good Risk. —In most communities 
there are would-be farm owners with 
good health, good habits and good judg¬ 
ment, particularly among renters, who 
could safely be helped in just this way 
by a properly organized Federal agency 
or land hank. The question of good 
health would be easily determined by a 
shrewd local agent, that of good habits 
by a proved ability to live on less than 
the regular family income and lay aside 
regularly something for the proverbial 
rainy day, and that of good judgment by 
a wise selection of the farm for the pur¬ 
chase of which aid was sought. To my 
mind no question is of more importance 
in the reconstruction days that are ahead 
of us than that of a Federal Land Bank 
that can help worthy applicants of the 
class referred to in the editorial iu ques¬ 
tion. o. w. MAPES, 
Potato Culture; Cucumbers 
I have about 30 acres of land. I have 
always raised beans, but wish to change. 
How would it be when I plowed my side 
hill land in May to drop my potatoes in 
every third furrow, and turn the other 
furrow on top of them, and after a week 
or so drag them and keep on dragging 
till they come up? It is good rich land 
and it has never had potatoes on it be¬ 
fore. I do not intend to plow over four 
or five inches deep. What crop could I 
raise on my flat land that would pay bet¬ 
ter than beans? It is good soil, water 
does not stand on it. Is there any 
money made in raising cucumbers for 
pickles? w. w 
Swain, N. Y. 
This mi’thod of planting potatoes is a 
sort of rough and ready one that some¬ 
times works very well and gives good re¬ 
sults for the labor expended. It is not 
to be commended as a substitute for bet¬ 
ter methods of culture where the land 
can he worked without trouble and there 
is no occasion for the use of short cuts 
or unusual devices for labor saving. It 
would probably he more successful iu light 
soils than iu heavy, or heavily sodded 
ones. 
If in a region where there is a market 
for small cucumbers for pickling, and you 
could not raise them profitably unless you 
are. the best advice that you can get upon 
this subject is to he obtained from those 
already growing the crop in your neigh¬ 
borhood. Only those who know your kind 
of soil and the requirements of this crop 
in your vicinity, and the usual market 
conditions as well, can advise you safely 
in the matter. M. B. D. 
Save 
Sugar 
by ea+inpj 
GrapeNuts 
as your 
cereal dish 
This standard 
food needs no 
added sweet- 
enin^ for it: 
is rich in it:s 
own su^ar, 
developed 
from wheat 
and barley 
by the special 
Grape-N cits 
process of 
cooking. 
" There's a Peas on" 
S SWEET 
CLOVER 
Hulled and scarified white sweet clover is about 
ten dollars per bushel cheaper than red. (Ln- 
hulled cheaper yet.). As it is a biennial, taking 
the place of red in the rotation .and any 
amount better.as a land builder, itis an eco¬ 
nomical substitute. Winter sowing is the 
best. Ask for samples and prices as well as 
our catalogue telling “How to Know Good 
Seed”. Ail other kinds of field seeds too. 
O. M. SCOTT & SONS CO. 
160 Main St. Marysville, Ohio 
AND PUR 
D SEEDS 
GOOD AS CAN BE GROWN 
Prices Below All Others 
I will give a lot of new 
sorts free with every order 
I fill. Buy and test. Return 
If not O. K.—money refunded. 
Big Catalog FREE 
Over 700 illustrations of vege¬ 
tables and flowers. Send yours 
and your neighbors’ addresses. 
R. H. SHUM WAY, Rockford, I1L 
A LFALFA Gu sT a E t D d 
i£jL We specialize in best varieties only. 
Hardy grown, registered and pedigreed 
strains. Prices reasonable. Our rigid tests insure 
results. Our policy is to sell only seed of known 
quality. We Jf&jibCOr carry a complete 
line of guaran- teed seeds. 
TTDTTI7 Complete manual on growing, feedinn and 
r IxLCi gar,, o{ Worth * $ * to you. Write 
today for your copy, also free samples and Disco catalog. 
Dakota Improved Seed Co., 
£79 Lawler St., Mitcliell, S. D. 
CLOVER SEED 
Our high grades of Clover, Alfalfa, Alsike, Timothy, Seed 
Oats, Seed Corn, Maine Grown Seed Potatoes, S 03 ' Beans, 
etc., are the most carefully selected and recleaned. High¬ 
est In Purity and Germination. We pay the Freight. 
Catalog and samples Free .if you mention this paper. 
P. L. ROHRER. - Smokctown, Lancaster Co.. Pa. 
CLEAN SEED 
PLUMP-HARDY 
Buy early — have 
seed tested. If it 
don’t please you, 
return it—we’ll refund your money—pay freight. 
The early buyer, in this year of seed scarcity—gets 
best qualities—lowest prices. If you need field seeds 
of any kind, writo for free catalog and samples. 
Do it today. Mention this paper. 
A. H. HOFFMAN. Inc. Landisville. Lane. Co.. Pa. 
