‘Ibt RURAL NEW-YORKER 
February 14, 1920 
: 01 
cMaqava 
DUSTERS and DUST MIXTURES 
have proved of such value in practical commercial use 
for the control of insect pests and fungus diseases that 
e\ ery year many more successful fruit growers are find¬ 
ing the Dusting method indispensable in making sum¬ 
mer application, not alone on account of the results 
accomplished, but because dusting is so much faster 
and cleaner it has proven itself about 1-3 less expensive 
than spraying when both labor and materials are taken 
into consideration. 
Just as Niagara Dusters are made exclusively for ap¬ 
plying dust properly, Niagara Dust Materials are 
ground to the exceeding fineness necessary to give pro¬ 
tection. For best results always use Niagara Dust 
Materials with the Niagara Duster. 
Send today for our free book on Dusting and find 
out just what Dust Machines and Materials to use to 
protect Apples, Peaches, Pears, Cherries, Strawberries, 
Grapes, Potatoes, etc. Our years of experience are at 
your service. Our free book gives you the careful, 
accurate information gained in successful commercial 
protection. 
For Dormant Spraying 
Niagara Soluble Sulphur Compound 
(The original Soluble Sulphur in powder form ) 
dissolves instantly in liot or cold water. Assures clean Top-of-the-Market- 
Fruit. The efficient, economical, practical, convenient insecticide and fungi¬ 
cide for spraying all kinds of trees. Absolutely the best spray material for 
the control of San Jose Scale. Peach Leaf Curl and other similar orchard 
troubles. 
Don’t Pay Freight on Water 
One, one hundred pound drum of Niagara Soluble Sulphur compound 
is equivalent to a 600 pound barrel (50 gallons) lime sulphur solution. 
This year it actually costs less than any other sulphur spray material 
Costs less to haul and handle. No barrel to return, no leakage, no 
crystallization. Keeps indefinitely anywhere. 
Again we say, Don’t Pay Freight on Water. Send for Free 
Spray Calendar and get our prices. 
cMagara Sprayer Company 
150 MAIN STREET, MIDDLEPORT, N. Y. 
Things To Think About 
The object of this department is to give readers a chance to express themselves on farm 
matters. Not long articles can be used—just short, pointed opinions or suggestions. 
THE RURAL NEW-YORKER does not always endorse what is printed here. You might 
call this a mental safety valve. 
How to Obtain Equipment 
I have taken a lot of interest in the 
“back-to-the-landers” letters, and ask 
whether you can help a friend of mine to 
decide what: to do. He is a young man, 
a boyhood chum. We were brought up in 
the same town, went to the same school, 
were members of the same baseball and 
basket-ball teams. He wandered around 
the world, and for a time was employed in 
munition factories, earning as high as $17 
a day. His grandfather owned the farm 
adjoining ours, nearly 500 acres. Prob¬ 
ably 100 acres are fit for cultivation; the 
rest timber, with maybe 40 acres wild 
meadow. The grandfather died some 
weeks ago. and the farm fell to this young 
man’s mother. He can have this place on 
almost any kind of terms he wants to 
make. The place has been run by tenants 
for the last six years, and, of course, is 
naturally run down, but could easily he 
brought back. There are no implements 
to speak of and no stock. A team aftd 
some cows would bo the first necessary 
things. A good team can be bought for 
about $250. and fair cows for $100 each. 
The house is in good condition, and there 
are two good barns. Farm is located on 
State road, within one-half mile of depot, 
and within seven miles of one of the best 
market towns in the State. This man 
tells me he has about $1,000. maybe a lit¬ 
tle more, to start on. What would be 
your advice? He is young, strong, has a 
Wide and two young children, and never 
afraid of work. s. F. w. 
We think such a man ought to go back 
to the farm, provided his wife likes the 
country and is willing to stay there. The 
main question will be in regard to equip¬ 
ment. With such a farm lie should not 
attempt to farm with poor stock or incom¬ 
plete set of tools. Either he or his 
mother should borrow enough to start and 
equip the farm properly. If he cannot 
obtain personal credit it may be possible 
for the mother to obtain a small loan from 
the Federal Land Bank—enough for stock 
and equipment—she to own them until 
the son pays out. It is difficult to advise 
in such a case without knowing the par¬ 
ties intimately. 
The Other Side of a Farm Loan 
I have read with interest the communi¬ 
cation from one of your contributors 
printed on page 156. I am fully in ac¬ 
cord with the publication of the experi¬ 
ences of borrowers that will be of help 
in any way to farmers in the North¬ 
eastern States, but I believe tin’s can be 
attained in a much better manner if the 
contributor will furnish a correct state¬ 
ment of facts. 
The case of the particular borrower, 
whose initials are “T. W. M.’\ is as fol¬ 
lows : He applied for a loan of $6,000 
on his poultry farm of 30 acres, \Vhiclt 
farm was appraised by three farmers rep¬ 
resenting the loan committee of his local 
N. F. L. A. of Windham County, Conn. 
They stated in writing that the value of 
the farm was $4,000. and that it would 
bring $3,000 under forced sale. r rhe 
Federal appraiser stated that the farm 
was possibly worth $5,000, and would 
bring $3,500 under a forced sale. The 
land. 15 acres of which is tillable, is all 
sandy, and was purchased eight years 
ago. without buildings, for $375. The 
applicant has built the buildings and 
cleared some of the land. Ilis last year's 
taxes on the place were $38.04. Much 
of the value of this place is in the poultry 
buildings, built and used for what may 
be called a “specialized type of farming.” 
The Federal Farm Loan Board has 
ruled that the Land Bank cannot loan a 
larger amount on the buildings than on 
the land. The maximum loanable on the 
land was $525, hence the maximum loan 
was $1,050, which was granted to the 
applicant, who was fully informed at the 
time of this restriction with reference to 
building values. This loan was made for 
a period of 35 years. The payments are 
such that the principal is reduced very 
little in the first 20 years. I am confi¬ 
dent that if anyone will take the trouble 
to examine the history and present situa¬ 
tion of specialized poultry plants in the 
New England States over the past 10 
years they will concur in the opinion of 
the officers of the Federal Land Bank in 
this matter. 
The Federal Land Bank is established 
to furnish long-time funds to farmers at 
the lowest possible rate. This low rate 
can be obtained only by maintaining the 
maximum of safety, as is needed in such a 
long-time loan on a business of this kind. 
Very often local institutions will loan 
a larger amount, to farmers than the 
Federal Land Bank, and properly so, be¬ 
cause, first, they are in intimate and close 
touch with the borrower, whereas the 
Land Bank may be situated several hun¬ 
dred miles distant and must depend upon 
the farm itself almost entirely for its 
security. Second, the local bank loan is 
usually a demand loan, and can be called 
at any time that the security is depre¬ 
ciating, or if the farm should be sold to 
another party, who may not be as good 
a manager, whereas the Land Bank loan 
is made for a stipulated period, as long 
as the terms of the mortgage are ob¬ 
served. Hence the Land Bank must de¬ 
pend largely upon the farm itself for its 
security. The loan may be made to one 
of the best farmers in the country, but 
there is no assurance that he will remain 
on the farm until that loan is paid. 
E. II. THOMSON, 
President, Springfield Federal Farm 
Loan Bank. 
Experience with the Federal Land Bank 
On page 156 I read T. W. M.’s exper¬ 
ience with the Federal Land Bauk. I 
have been one of the directors, and also 
one of the loan committee since the organ¬ 
ization of our local organization .and am 
deeply interested in it. As a member of 
the loan committee I find that most appli¬ 
cants ask for more than 50 per cent of 
the value of their farms. Second, many 
ask for loans on what we may term as 
uot a farming proposition. While I am 
not disputing T. W. M.’s value on his 
plant, it may not have looked to the local 
appraiser as a farming proposition, and 
I do not believe he should blame the 
Federal Land Bank for what perhaps the 
local association is blamable. The Fed¬ 
eral Land Bank is here to help the fanner 
and it is helping all over the United 
States. R, CIPPERLEY. 
New York. 
The New Jersey Game Laws 
I wisdi to add my name to the list of 
those who wish to fight for a change in 
the New Jersey game laws. During this 
last open season I was forced to keep a 
man on horseback to patrol my 200-acre 
farm. The country roads and lanes, fields 
and woodlands were overrun by strangers, 
white, colored, foreign-looking arid speak¬ 
ing. who were a menace to the little chil¬ 
dren who walked to and from school. My 
own house has twice been peppered by 
shot from the guns of strangers hunting 
rabbits, and though we have put up “no 
trespassing” signs, no attention is paid to 
the cards nor to our protests. The offi¬ 
cial who issues permits said never had so 
many been asked for or issued as this 
year. 
That is one side of a very annoying 
nuisance to owners of country farm prop¬ 
erty. There is another equally discourag¬ 
ing. The rabbits have become a veritable 
plague. My first acreage of Lima beans 
and my main crop of cabbage was eaten 
clean by them. They came up right under 
my kitchen windows and ruined my ram¬ 
bler roses and my flowering shrubs. I 
wrote to Trenton asking permission to 
shoot them because of the damage to my 
crops. The only answer I received was a 
refusal and a copy of the game laws, and 
a notice that if I trapped them and sent 
the bodies to Trenton I would be allowed 
to do so. What do the officials think 
people have time for? Why should I have 
to go to the expense of sending dead rab¬ 
bits by mail to Trenton? I find every 
farmer I have spoken to has the same 
vehement protest to make about these un¬ 
fair laws. It should not be made a crime 
under the law to shoot rabbits which are 
eating one’s crops. Let the good work go 
on. MARY WINIFRED EATON. 
Somerset Co.. N. J. 
Work On and Live On 
I have just finished reading “Thanks¬ 
giving Thoughts in an Ohio Cornfield,” 
which makes me think, as the writer 
stated, there is much good left in this 
oft seemingly turbulent world ; that some 
good must eventually crime from this un¬ 
rest fulness; that behind the dark clouds 
others come with silver and gold linings, 
and above the sun shines in all its glory. 
What care we who have made best of our 
youth and prime of manhood if we are 
nearing the declining days of physical 
usefulness? There should and does come 
a time when we can rest our oars and 
take in the wonders of Nature, as is only 
found after years among its beauties on 
the farm, where we get lessons from all 
its creations—animal and plant life as 
well as from the odd structural arrange¬ 
ment of the hills and valleys, with the 
brooks and rivers winding here and there. 
Amid such surroundings our great men 
were reared, clean thoughts and habits 
inspired that has made this grand old 
world better for their having lived in it. 
If it were possible to keep the young 
nearer to Nature, where they could 
breathe the aromatic zephyrs as they are 
wafted from the clover and entwined with 
the symphonious warble of the birds, the 
selfishness within the human family would 
largely become extinct. Let’s work on, 
live on, where we can partake of the 
wholesome air, drink in the sunshine and 
realize that Nature, not man, is the source 
from which harmony comes, and that he 
who lives not alone may enjoy life freely. 
New York. J. R. palmeter. 
Last Winter a woman passenger on 
an Eastern railway asked the porter why 
the train had stopped between stations. 
“Oh,” said ’Rastus, “the engineer done 
found a broken rail.” “Well.” said the 
woman, “why stop for that? Do the 
passenger trains stop to pick up every 
broken rail they find along the track?”— 
New York Globe. 
