334 
The RURAL NEW-YORKER 
February 23, 1924 
Farmers! Here Is Your Own 
Borrowing and Investing System 
T HROUGH the twelve Federal Land Banks, farmers own 
and operate a huge national co-operative borrowing and 
investing business. Already, these Banks have resources of 
over $880,000,000! They are supported by more than 4,500 
local National Farm Loan Associations with a membership of 
nearly 300,000 farmers. 
After paying the costs of operation and setting aside neces¬ 
sary reserves, all profits are returned to the borrowing farmers 
through their local associations. To date, over $7,000,000 has 
been paid as dividends. 
A Federal Land Bank mortgage need never fall due. It is gradually 
retired by the semi-annual payment of a uniform sum, equal to the in¬ 
terest on the amount borrowed plus Y 2 of 1 °1° °f the loan. For example, • 
the farmer with a mortgage of $1,000 at 6% pays $35 every six months. 
This includes the interest and a payment on the principal sufficient to 
cancel the loan in about 33 years. 
' W hen You Have Money To Invest 
Every farm family should support their co-operative Farm Loan System 
by investing in Federal Land Bank Bonds. This can be started with a single 
Bond—$40, $100, $500, $1,000, $5,000 or $10,000—and increased as the 
money can be spared. These bonds are safe. No investor in them has ever 
lost a dollar. They are free from all taxes, except inheritance taxes. This 
applies to both principal and interest. 
Should you need money quickly, these Bonds command a ready market, 
or your banker will accept them as security for a loan. 
You can buy these Bonds from any Federal Land Bank or from the 
Fiscal Agent at Washington, D. C. The Bonds will be sent by registered 
mail. All correspondence confidential. Remember that the words “The 
Federal Land Bank” appear at the top of every Bond issued by a Federal 
Land Bank. 
Write today for “Federal Farm Loan Board Circular No. 16.” It’s free. 
If you desire a Federal Farm Loan, apply to the Secretary-Treasurer 
of the nearest National Farm Loan Association. Ask your County Agent 
for his address. 
T he Federal Land Banks are located at 
Springfield, Mass. St. Louis, Mo. Louisville, Ky. Columbia, S. C. 
New Orleans, La. Berkeley, Cal. St. Paul, Minn. Houston, Texas 
Wichita, Kansas Omaha,Nebr. Baltimore,Md. Spokane,Wash. 
Fiscal Agent 
Federal Land Banks 
Washington, D. C. 
The GRIMM Maple Sugar Making Utensils 
FARMS Sunny Southern Jersey 
Many bargains. Catalog JUST OUT. COPY 
FREE. Stocked and equipped. Some require 
only $500 cash. Income producing homes. 
D. M. JOSEPH 549, 18— Landis Av«. Vineland, N. J. 
You make money ou your No. 1 syrup. Why not use 
Grimm Utensils and make more of the No. 1 and more 
money. We have in stock for immediate shipment. 
Buckets,Covers,Spouts,Tanks,etc.,and can ship an Evap¬ 
orator and Arch within a week, after receiving order, if 
you need utensils please write ns for catalogue “B,” stat¬ 
ing number of trees you tap. G. H. GRIMM COMPANY. Rutland, VI 
'°X$ s USESQB jol 
It is your guarantee of quality. Write 
today for free catalog in colors 
describing Farm Trucks and 
Wagons, also steel or wood 
wheels to 
fit any run¬ 
ning gear. 
Electric Wheel Co. W&ffiS 
e 
PowerCultivator 
Does work of 4 men or I horse— 
heavy cultivating or light — fast 
or slow. Easily operated and steered; 
simple, sturdy. Automatic lubrication, 
dust-proofworking parts and our 
4-H. P .,4-cycle air-cooled engine. 
Uses hand or light horse tools. 
M.B.M. Manufacturing Co.. 
582 Reed St., Milwaukee,Wis. 
Wards RADIO ROOFING 
WARDS 65i£ 
Slate Surfaced 
ROOFING 
if 85 PER ROLL 
, - I Guaranteed 
I v* 15 Years **2 
Regular 85>pound 
standard weight 
Don’t confuse this full-weight 85- 
pound roofing with cheaper, lighter 
roofing sold at the same price. 
Lay it over old roofs. There is 
enough in one roll to cover 100 
square feet—yet a roll costs only 
$1.85, with nails and cement. 
Fire Underwriters Approve it 
Radio Roofing is surfaced with red 
or green slate that beautifies as 
well as protects it. Resists fire. 
Not affected by heat and cold. 
We guarantee it for 15 years'—lit 
should last many more. 
Send for Free Sample 
Examine it! Cut it open! Test it. Jad?e it9 
remarkable quality. Write for free Building 
Material Catalogue. 
Order the roofing you need. Catalogue No, 
174-MOO. State color—red or green. 
Shipped From Price Per Roll Order Front 
Chicago 
York, Penna. 
Southern Illinois 
New Orleans 
Kansas City 
St. Paul 
Portland, Ore. 
Houston, Texas 
Oakland, Calif. 
$1.85 
1.85 
1.85 
1.85 
2.00 
2.00 
2.65 
2.45 
2.65 
Chicago 
Chicago 
Chicago 
Chicago 
Kansas City 
St. Paul 
Portland 
Ft. Worth 
" ■ od 
Oakland 
Add 10c for extra long nails 
Shipping weight 85 pounds per roD 
Montgomery Ward £ Cc 
Chicago KansaSuity St.Paui Portland.Ore. Ft.Worth Oakland C 
A Farm Woman’s Notes 
Country Thoughts for February 
A slow procession of snowflakes drift 
past my window pane. To be more ac¬ 
curate, this procession is an alloyage of 
snowflakes and crows; the former, deli¬ 
cate and fairy-like, riding the breeze to 
a definite camping on the stiff /bare 
ground, frozen two feet deep by zero 
weather; the latter a contrast in lean 
black bodies borne by flapping wings and 
directed by long sharp beaks. The crows 
have come from their roosting place in 
the swamp to find the wherewithal to 
fill their empty crops. Not a caw from 
the whole skyful. Stealing corn is ap¬ 
parently a doubtful practice even among 
crows, yet has to be done, and the less 
said the better. 
Elsie is starting for school in the bitter 
north wind, her collar pulled up about 
her throat, and hands in a muff. This 
morning’s walk will be a character maker, 
a training for the business of life, if 
forming the habit of overcoming obstacles 
can be instilled into a child. Perhaps it 
is old-fashioned in these days of the 
motor vehicle, but we do feel that the 
child that walks to school gets a broader 
experience, a better education, than the 
child that is carried back and forth 
through inclement weather. It seems that 
young things must not be too much cod¬ 
dled lest the energy burn out in them. 
IIow carefully we avoid touching little 
turkeys in order to preserve that first 
wild vitality that is so necessary to the 
development of the strong bird. It does 
not seem out of place to suggest using 
forethought, in regard to the mental 
strength of the child who will some day 
be a citizen. 
The “Morning Mail” section of the 
daily newspaper is still the battleground 
of the proponents and opponents of the 
school bill. There are a great many giv¬ 
ing voice in this matter, and a great 
many throwing mud. This last seems to 
be a method of warfare chiefly confined 
to the side that favors passage of the bill. 
The mud ball is notorious as a refuge 
from a devastating argument. AVe can¬ 
not see that these mud throwers have 
anything important to say, for we already 
have agreed with them as to the consoli¬ 
dation of taxes. They protest that the 
bill cannot be used to consolidate the 
schools, yet we cannot but note how 
keenly they are in favor of that very 
plan. This is characteristic of every 
friend of the school bill, but so far no 
substantial, convincing argument has 
been advanced to show that school consol¬ 
idation would be of benefit to children 
except in the superficial polish that is 
so suggestive of coddling. These people 
seem to want their children to have town 
school training without knowing exactly 
why. 
As a mother I feel that there are se¬ 
rious drawbacks to 45-minute recitations 
and home study for the younger ones. I 
prefer to see a good magazine in the 
hands of my children when their day is 
done. Night-time study is cramming facts 
into tired minds that are already brim¬ 
ful, and is conducive to mental break¬ 
down. Facts are retained more perma¬ 
nently when received in a casual way, 
and this is the privilege of the one-room 
student who listens in on the higher 
grade’s recitation. IIow often has Elsie 
come home triumphantly with a bit of 
information gleaned in this way, which 
she has made her own. The assertion 
that town schools have better teachers 
does not sound impressive to me. Nowa¬ 
days the country school is the Mecca of 
every young teacher who wishes to gain 
the necessary experience required by 
town teachers. Where would she get her 
three years’ experience work after a con¬ 
solidation of all country schools? The 
answer must point in the direction of 
the town school, must it not? It is my 
experience that the individual teacher 
runs good, bad and indifferent, regardless 
of age—is a product of talent and am¬ 
bition. It seems to me that farm people 
demand more real worth in the personal¬ 
ity of the one who guides their children. 
I will never forget the middle-aged high 
school professor who taught algebra. He 
was an interesting man socially, and 
well liked by the principal. AATiile he 
could teach algebra and geometry, he 
seemed to prefer not to. AA’hole recita¬ 
tion periods were consumed in sarcastic 
oratory at the expense of some hapless 
student who was not as bright as the 
others, and at times the schoolroom rang 
with uncontrollable laughter. He was 
very funny, but when the day of the 
algebra regents came, only those who 
had employed outside tutors passed the 
test, having learned by past failure that 
tutoring was necessary. This kind of 
teacher would not last long in a country 
school, but he was very popular in the 
town school, where polish can cover a 
lack of gumption. Yet, of course, in this 
same institution there were teachers who 
were instructors in the very highest sense 
of the word, but whose salary was less 
than that of the entertaining professor. 
The real test of the two school sys¬ 
tems lies in the product, not in the econ¬ 
omy and efficiency with which it can be 
ground out. After an acute self-analysis 
I find that I have the products of the 
two systems catalogued as handmade and 
factory-made. I cling so faithfully to 
the old one-room schoolhouse, because no 
country mother could endure a factory- 
made child. I wish my children to have 
the environment of the one-room school 
until they are at least 12 years of age, so 
that they can never be standardized what¬ 
ever. I find that I have an innate hor¬ 
ror of the town school’s perfect mechan¬ 
ical equipment that permits a child to 
get a drink of water by simply twisting 
a lever. It is so uneducating. I want 
my country lad to be obliged to take the 
school pail to the neighbor’s well, to fill 
it and return with a full pail of water for 
the stone cooler. You can scarcely count 
on the fingers of one hand, the different 
kinds of practical experience gained by 
the country boy in getting his drink of 
water. A growing brain develops along 
the line of use, and I want my lad to 
have an understanding of the basic ele¬ 
ments of science, which is not mere book 
learning. He must be equal to any emer¬ 
gency, unique in the line of thought 
along which his natural talent has led 
him. He must not be taught that he is 
being efficient in using a faucet, when it 
is only the faucet that is efficient. 
I think this is the real reason behind 
country folks’ emphatic endorsement of 
the rural school. It is not political, it is 
not in the name of economy, but it is the 
horror of making our boys and girls iu 
standard forms—selling their birthright 
for a mess of pottage. 
MBS. F. H. UNGF.lt. 
“Those Are My Jewels!” 
I have for some weeks been thinking 
about writing in reference to a letter ap¬ 
pearing in The It. N.-Y. concerning a 
parent who complained to you about being 
unable to manage a son, a boy in his teens, 
who gave his parents all manner of trouble 
and vexation. In my neighborhood such 
cases are very common ; in fact they are 
in the majority. Some of my neighbors 
don’t raise their children, they merely 
allow their children to “grow up” along 
the lines of least resistance as it were. 
Children need training. Children need 
discipline and children need lov? and af¬ 
fection. I came from a family of eight 
children, and iu our home, love and af¬ 
fection abided. None of us ever would 
think of disobeying our parents, because 
we loved them too well to hurt their feel¬ 
ings in any way. Our parents inspired 
in us respect in the highest degree, even 
though we were poor in this world's goods. 
But we were rich in contentment in the 
home. The girls all learned to use the 
needle and make their own garments and 
wearing apparel, and even to knit stock¬ 
ings and wristlets for AYinter. 
Mother seemed to live only for us, and 
in us. We children were of her life, and 
we constituted her life, and I have tried 
to be a mother after her pattern, and I 
must admit that I am a happy one. My 
-five children, now all nearly “grown up,” 
show me every attention. I taught theta 
to be affectionate towards me and my 
husband, and that is the secret of our 
happy home. None of our children ever 
went*off to school without kissing mamma 
goodbye, and at night when home work 
was all done and time for bed, the good¬ 
night kiss was never forgotten. I kept 
them by me with love, and I showed them 
that I loved them and taught them to re¬ 
turn the same, and none of my children 
would ever think of bringing distress or 
pain on me, so considerate, so thoughtful. 
But because they are such good children 
is not merely accident or chance. Because 
I trained them as I wanted them to he. 
Women often say to -me: “Oh, you have 
life so easy, so pleasant, because you are 
‘lucky’ in having good dutiful children.” 
These women, although they love their 
children, are themselves to blame because 
their children are so disobedient, and 
wound their parents, daily, yes twenty 
times daily. In rearing children, my dear 
mothers, teach them love and affection, 
and they will bring you Heaven on earth 
in return. All children like a little atten¬ 
tion, a little petting, a little caressing, 
and when they don’t receive it at home, 
their natures seek it elsewhere. Love for 
your children doesn’t consist merely in 
doing everything for them. They need 1 > 
be taught, reminded, that you love them, 
and that you want them to love and caress 
you in return. It is no sin for parents to 
caress their children, even though not 
still babies. My husband and I never be¬ 
lieved in “driving” the children; we ac¬ 
complished much more with “coaxing " 
and our children have become manly, and 
considerate, and are a solace and comfort 
to us. in our declining years, even though 
they now have their own, family of little 
ones. A MOTHEE. 
