222 
g he RURAL NEW-YORKER 
February 9, 1924 
Legal Questions 
Survivor's Right to Joint Account 
Is there any way of making a joint ac¬ 
count belonging to a man and his wife 
payable to either survivor? We under¬ 
stand that such an account is not any 
more available than if entered in the name 
of deceased only. What can be done to 
make it available to the survivor? Must 
both parties make a will naming each 
other as executor in order to get the use 
of the entire account? F. n. u. 
New York. 
There is no reason why a man and his 
wife cannot have a bank account pay¬ 
able to either or the survivor. In case of 
death, however, consent of the comptroller 
must be obtained before the account is j 
withdrawn, for the reason that it must 
oe ascertained whether or not a transfer 
tax attaches thereto. It is always better 
to leave a will. N. T. 
An engine terminal on the New York 
Central Lines in midwinter. Railroad 
men must keep the heavy traffic mov¬ 
ing through all kinds of weather. 
Achievement 
T HE American railroads in 1923^hauled the largest ton¬ 
nage in their history—and with an efficiency of operation 
never before paralleled. To this achievement the New York 
Central Lines contributed a notable measure of public service. 
The very heavy program in rehabilitation inaugurated by 
the New York Central Lines immediately following the ter¬ 
mination of Federal control —involving the expenditure of 
many millions of dollars for new equipment and larger facil¬ 
ities—placed this railroad system in a position to meet the 
growing traffic demands of the great territory it serves. 
While car loadings throughout the country for 1923 showed 
an increase of 26.7% over 1921, and l5.o% ovei 1922, the 
New York Central Lines gained 42.7% over 1921, and 16.8% 
over 1922. 
The New York Central program of expansion in anticipation 
of the greater traffic demands of the coming years is going 
steadily on. 
NEW YORK CENTRAL LINES 
BOSTON ^ALBANY- MICHIGAN CENTRAL-BIG FOUR - PITTSBURGH & LAKE ERIE 
AND THE NEW YORK CENTRAL AND SUBSIDIARY LINES 
Qeneral Offices —466 Lexington Ave., New York 
FARMS-Sunny Southern Jersey 
Many bargains. Catalog JUST OUT. COPY 
FREE. Stocked and equipped. Some require 
only $500 easli. Income producing homes. 
D. M. JOSEPH 549, 18—Laidis Ave. Vineland, N. J. 
»* 
Attention-Fruit Growers. “MICE-IDE 
i 
ing to U.8. Dept. Agriculture formula and reconmienda- 
tions. Dealei-s and Agents wanted. Capitol Chemical 
Company, 11108 18th St., N. W., Washington, C. 
W M I L L S- 
Why not convert your timber 
into lumber. Farquhar Saw¬ 
mills are simple in design, easy 
to operate, strong and depend¬ 
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cutting. They MAKE 
y MONEY out of logs. 
Ask for information on Sawmill Machinery and Farquhar Dependable 
Steam Power. Both sawmill and engine built in sizes to meet every 
requirement. Also Deep Fire Box Boiler and Slab Burner. 
A. B. FARQUHAR CO., Box 630_YORK, PA. 
H AYE s 
Fruit Fog Sprayers 
Mechanically perfected—not only guaran¬ 
teed to develop 300 pounds pressure year m, 
year out, but so simple in construction that 
there is little to get out of order. Every part is 
easily accessible. The pump is corrosion-proof. 
Pay No More Than You Want 
You can pay whatever you want for Hayes 
Sprayers. We quote them in sizes ranging from 
3 :. to 16 gals, per minute, with or without trucks, 
engines or special equipment. Hayes Power 
Sprayers vary incapacity only. Th®,®"I a ’ lleet 
maintains same pressure and is as efficient 
and satisfactory as largest size. 
Send for Catalog 
as?® «r» spb? 
bucket, wheelbarrow and other hand 
sprayers at prices that are rignt. 
Distributors and dealers in all 
principal cities 
HAYES PUMP & PLANTER COMPANY j 
Dcpl. 42, Galva, III. 
1111 
A Complicated Land Deal 
Two years ago last November I pur¬ 
chased, on a contract, a dairy farm of 100 
acres, stocked. I paid $5,900 for same; 
$200 down. Shortly after prices came 
down on land, milk and everything. The 
contract called for interest twice a year, 
6 per cent, and half of milk check every 
month, so that left the other half of milk 
check for taxes, living, etc. I could not 
live up to the contract. The man I 
bought from had sickness in the family 
and needed money very badly, so he sold 
iiis contract to another man, a dealer in 
mortgages, etc. This man wanted me to 
live up to the contract, which was im¬ 
possible for anyone to do unless (hey had 
money coming from outside of the farm 
or milk. This new man kept coming out 
and telling me how hard farming was; it 
was hard work for me and my family, and 
what good wages I could get in the city ; 
children would get a better education ; so 
I talked it over with my wife and we 
told him we would move. He brought out 
another buyer who is no better fixed than 
we are, but claimed he was trading his 
property of seven acres and building in 
a cifv for it. \\ e gave another farm that 
we had out West as collateral, 160-acre 
homestead. Why did this man want us 
to move off and put another family on 
that is no better fixed? And is it that lie 
wants our place in the West? He claims 
that this place here did not have a sal¬ 
able deed, so is foreclosing to get the 
deed. We had a nice big flock of chick¬ 
ens and some hogs and cattle that we 
raised. We let all that go with the place 
at a loss. We made the deal the first of 
September and can’t hear from him. How 
long should a deal of that kind run with¬ 
out being settled? G - N. 
New York. 
We are unable to answer your question 
for the reason your statement of facts is 
too indefinite. If you sold your interest 
in the contract to the new occupant, and 
gave your other property as security for 
the performance of the contract by the 
new occupant, we would say you were in 
rather deep water. If you have any con¬ 
tracts or copies of contracts which you 
signed, or agreements of any kind in writ¬ 
ing. you had better submit them to a 
local attorney at once, and let him see if 
he cannot straighten you out. It appar¬ 
ently needs immediate attention, and if a 
foreclosure suit is in progress you may 
soon be cut off from all your rights. 
N. T 
Full weight — 
Galvanized 
'St- 
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Metal makes the most satisfactory roofing 
M for farm buildings or city construction. 
|| Apollo-Keystone Copper Steel Galvanized Sheets areunex- 
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i: Sold by leadingdealers Keystone Copper Steel is also superior 
for Roofing Tin Plates. Send for “Better Buildings booklet. 
AMERICAN SHEET AND TIN PLATE COMPANY, Pittsburgh, Pa. 
Mortgaged Farm; School Funds tor 
Library 
1. When I married my father-in-law 
bought a farm in my name. He paid 
one-half the purchase price, deed being 
made out to me. He had a first mort¬ 
gage drawn up from me to the party sell¬ 
ing the farm for the balance. He also 
had a second mortgage drawn up from 
myself to him, covering the amount he 
had paid ; that is. oue-half the purchase 
price. He still holds that mortgage. He 
told me he did not want any of the prin¬ 
cipal or any interest. I have been pay¬ 
ing the interest on the first mortgage 
right along, and expect to pay off the 
principal soon. All money I take in from 
the farm belongs to me. Now my father- 
in-law expects to go to Europe, and he 
may stay over there for good. I do not 
like to ask him about the mortgage, but 
I would like to know how I stand in case 
I wanted to sell the farm. The way it 
is now it is all mortgaged, but, of course, 
only one-half the purchase price is to be 
paid. I never could see the reason why 
this second mortgage was drawn up, as 
he told me just to forget about it. Do 
you think he did it to protect what money 
he put up in case I could not make the 
farm go, and if it went back to its for¬ 
mer owner, what claim, if any. would he 
have if the holder of the first mortgage 
foreclosed and I did not have the money 
to meet him? Would my father-in-law 
lose what money he had put up 1 2. At 
Sure Relief 
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hitches and are instantly interchangeable. A boy will 
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SAVE HALF 
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TRI END' Traction 
CAS0UN& POWl« iPRAYtR& TOO 
POTATO SPRAYER 
HIGH PRESSURE 
NOc^ms NOSSE* 
FRIEND MFG.Co.Gaswt. NY 
* Ycwlx /ktewifo (iumYtuBotimil'HlUid 
REAL ESTATE-DAIRY AND POULTRY FARMS 
Store Property. Equipped Hatchery and Farm. Busi¬ 
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E. R. HUMMER - Frenchtown, N. J. 
Does Your Sprayer Have 
These Features of the 
compression, 
J* . 
Seamless brass tube 
chamber adequate to hold and deliver 
steady, high pressure spray £ 
Pump cylinder, cast of special metal,j j 
accurately machined, developing pres^ 
sure easily at model ate speed. 
4 
j Sclf'Seating type brass valves. 
Vertical strainer surrounds intake pipe3 
16 sq. in. surface, solid brass plate,j 
perforated with holes of uniform size,' 
each hole smaller than hole in nozzle, 
insuring that no particle can get to 
nozzle, in size sufficient to clog. ^ 
Agitatot of galvanized iron, attached! 
to pump shaft, mixes solution chow 
oughly, also keeps strainer clean. 
The most efficient one man outfit built.- 
Sizes 3% to SO gallon. 
Demand PARACOS Quality /’mi yaw dealer or trite 
F. H. R. CRAWFORD & CO. 299 Broadway. New York 
