The  RURAL  NEW-YORKER 
439 
Cherries ! 
Plums ! 
Grapes ! 
save  them 
Avoid  disappointment.  Make 
your  desire  lor  a  big  harvest  of 
luscious  fruit  come  true  —  by 
spraying  with  Pyrox.  It  keeps 
plants  and  fruit  free  from  bugs, 
rot,  mildew.  It  invigorates  the 
foliage;  holds  the  fruit  on  until 
it  has  fine  flavor  and  high  color. 
Pyrox  is  a  smooth,  firm  paste 
— a  powerful  chemical  blend  of 
poison  and  fungicide,  with 
poison  in  excess  of  U.  S.  stand¬ 
ard  requirements.  Extra  high 
in  copper.  Sticks  like  paint 
when  dry.  Goes  through  finest 
nozzles  without  clogging.  Used 
successfully  for  truck,  HOME 
GARDENS,  and  flowers  for  24 
years.  If  not  at  your  dealer’s, 
write  direct  to  us. 
WRITE  for  the  PYROX  BOOK 
-~~an  unbiased,  authoritative 
discussion  of  spraying. 
Bowker  Insecticide  Company 
19  Chambers  St.,  New  York  City 
CHICAGO,  ILL. 
the  powerful 
triple -auty  spray 
For  Whitewashing 
and  Disinfecting 
Poultry  Houses. 
Stables,  cow  barns,  outhouses 
and  fences  —  there  is  no  tool 
with  which  you  can  do  the 
work  so  quickly,  easily  and 
k,  effectively  as  with  a 
J  n, 'is  banner 
^  COMPfiESSED  Ain  SPPAYEIi 
Also  for  spraying  against  In¬ 
sects  and  fungus  on  fruit  trees, 
vegetable  and  truck  gardens,  ber¬ 
ries  and  grapes;  sprays  any  liquid; 
the  handiest  time  and  money  saver 
on  the  place;  the  best  small  in¬ 
vestment  you  can  make. 
Heavy  riveted  four-gadlon 
galvanized  tank,  2-inch  all-brass 
pump,  solid  brass  castings;  brasB 
automatic  non-clog  nozzle  throws 
long,  fine  mist,  or  coarse  spray. 
Few  strokes  of  pump  compresses 
air  to  discharge  contents  of  tank; 
sling  on  your  shoulder,  press 
nozzle  handle;  works  “quick  as 
lightning.’’ 
Sold  at  hardware  and  imple¬ 
ment  stores;  to  avoid  disappoint¬ 
ment  insist  on  genuine  Smith 
Banner —  refuse  substitutes;  if 
your  dealer  cannot  supply  you 
send  us  $6.50;  we  will  ship  post¬ 
paid  with  full  directions.  Catalog 
of  over  50  styles  of  sprayers  free. 
D.  B.  SMITH  &  CO. 
Manufacturer I  of  Quality  Sprayers 
Since  1 886 
70  Main  Street,  Utica. N.Y. 
The  name  SMITH  on  a  sprayer 
means  lasting  quality  and  perfect 
satisfaction,  or  your  money  back. 
Legal  Questions 
Action  to  Collect  Debt 
About  three  years  ago  my  wife  had  an 
operation,  which  cost  $100.  I  could  not 
make  any  payments  then,  and  soon  after 
we  moved  into  the  country.  My  wages 
were  $75  per  month.  We  were  threatened 
with  court  action,  the  account  having 
been  put  in  a  collector’s  hands,  and  prom¬ 
ised  to  pay  $3  per  week,  which  we  did 
until  we  moved.  My  wages  were  then 
$25  a  month  less,  and  I  advised  the  col¬ 
lector.  and  promised  to  pay  $5  a  month. 
This  I  have  done,  except  for  the  last  two 
months.  We  have  again  been  threatened 
with  court  action,  and  have  been  told  we 
shall  be  forced  to  make  up  these  last  two 
payments  and  all  court  costs.  Just  how 
far  can  they  go,  and  can  they  do  this? 
When  one  has  two  children  and  a  wife 
to  support,  and  coal,  etc.,  to  buy  at  cer¬ 
tain  times,  it.  is  almost  impossible  to 
save  out  the  $5,  but  we  have,  except  for 
September  and  October,  and  will  have 
another  payment  for  November.  We  have 
been  told  that  they  could  take  10  per 
cent  of  my  earnings  and  make  me  pay 
court  costs,  summons,  etc.  Again  we 
have  heard  that  we  cannot  be  forced  to 
pay  any  stated  amount  if  we  have  .just 
enough  for  living  expenses.  I  would  just 
like  to  know  -.vliat  the  law  is  in  a  case 
like  this.  h.  .t.  C. 
New  York. 
If  a  debtor  is  earning  $12  a  week  or 
more,  his  creditor  can,  after  obtaining 
judgment,  garnishee  his  wages  to  the  ex¬ 
tent  of  10  .per  cent.  To  the  original  bill 
would  be  added  the  court  coats. 
We  think  that  if  you  will  write  a  letter 
to  your  creditors,  explaining  the  situation, 
that  they  might  defer  action.  Probably 
they  tliink  that  three  years  is  about  long 
enough  for  them  to  wait  for  a  $100  ac¬ 
count.  n.  T. 
Paving  Tax  on  Property 
My  brother  and  I  had  an  interest  in  a 
farm.  He  was  sick  last  Winter,  which 
made  it.  advisable  to  leave  the  farm. 
There  was  a  debt  on  the  place.  He  put 
it  in  a  real  estate  man’s  hands  to  sell. 
Finally  we  had  a  chance  to  trade  out  in¬ 
terest.  in  farm,  stock  and  tools  for  small 
grocery  and  dwelling  combined.  I  did 
not  hear  the  trade  made,  nor  was  it  ex¬ 
plained  to  me.  I  found  he  had  a  debt  on 
horses  and  cows  held  at.  one  of  the  banks 
here.  It  was  done  all  unknown  to  me, 
and  frightened  me  into  this  deal,  which 
was  made  July  26,  1922.  I  came  here 
with  the  x’eal  estate  man ;  he  said  this 
paving  is  all  down,  and  paid  for.  meaning 
sidewalk  and  street.  I  went  to  pay  the 
city  tax  and  found  the  paving  was  not 
paid.  Nothing  was  said  about  it;  we 
knew  nothing  of  it,  as  we  knew  no  one 
but  the  real  estate  man  and  banker,  and 
neither  of  them  told  us.  My  brother 
understood  it  in  the  same  way  about  the 
paving;  there  are  two  installments  to 
pay,  one  last  year  and  again  one  this 
year,  amounting  to  something  like  $160, 
and  there  is  a  warranty  deed.  Must  we 
pay  this  paving,  or  can  wb  make  the  real 
estate  man  make  it  right?  Some  say  if 
not  paid  will  be  a  lien  on  the  property. 
There  is  a  mortgage  on  it  of  $150,  which 
the  bank  holds.  l.  n.  s. 
Michigan. 
The  paving  tax  will  be  a  lien  on  the 
real  property,  and  the  property  can  be 
sold  for  the  payment  thereof.  If  you 
have  a  warranty  deed,  you  probably  can 
recover  from  the  granter  for  any  taxes 
which  were  a  lien  on  the  property  at  the 
time  of  giving  the  deed.  If  the  real  estate 
man  deceived  you  at  the  time  of  purchas¬ 
ing  by  making  false  statements,  wilfully 
with  intent  to  deceive  you.  and  acting  on 
those  statements  in  good  faith  you  were 
thereby  damaged,  you  might  be  able  to 
recover  from  the  real  estate  agent.  It 
was  an  easy  matter  for  you  to  determine, 
however,  about  the  taxes,  and  perhaps 
you  should  have  used  more  prudence  your¬ 
self.  We  suggest  that  you  consult  a  local 
attorney,  who  can  fully  investigate. 
N.  T. 
Extension  of  Mortgage 
A  bought  a  farm  iu  1919.  B  taking  a 
first  mortgage  due  one  .year  from  date. 
A  offered  to  pay  mortgage  when  due  in 
1920,  and  also  again  in  1921:  but  on  the 
assurance  of  B  that  he  did  not  need  the 
cash,  and  that  mortgage  could  stand  in¬ 
definitely,  and  that  he  preferred  it  that 
way,  A  invested  the  money  on  the  farm. 
Now  B  gives  A  a  30-day  notice  for  pay¬ 
ment  of  mortgage ;  he  wishes  to  invest 
cash  otherwise.  Is  this  notice  legal,  or  is 
it  necessary  to  give  written  notice?  IIow 
much  time  is  A  entitled  to  by  law  after 
legal  notice  is  served?  s.  is. 
New  Jersey. 
If  there  was  a  valid  agreement  extend¬ 
ing  the  time  for  payment,  the  mortgagee 
could  not  foreclose  until  that  time  had 
expired.  If  there  was  no  valid  extension 
of  time,  in  the  absence  of  a  provision  in 
the  mortgage  to  the  contrary,  no  notice  is 
necessary  to  the  mortgagor  before  pro¬ 
ceeding  to  foreclose.  An  agreement  to 
extend  time  for  payment  must  be  sup¬ 
ported  by  a  valid  and  sufficient  considera¬ 
tion,  and  should  be  endorsed  on  the  mort¬ 
gage,  An  early  New  Jersey  case  seems 
to  hold,  however,  that  a  verbal  extension 
is  legal  provided  it  can  he  proved.  N.  T. 
Do  you  see  the  road  ahead  sharply 
when  you  are  driving  at  night? 
Or  do  you  first  notice  obstructions 
when  you  run  over  them  ? 
Comfort  in  night  driving,  not  to 
speak  of  safety,  depends  on  the  last¬ 
ing  power  of  your  battery.  This,  in 
turn,  is  not  a  matter  of  luck,  but 
rests  on  your  choice  of  battery  in 
the  first  place. 
You  have  a  right  to  demand  three 
things  of  a  battery,  the  three  things 
that  millions  of  motorists  have 
learned  they  can  be  sure  of  in  Exide 
Batteries : 
1.  Plenty  of  power 
2.  Rugged  dependability  ' 
3.  Long  life 
An  Exide  means  not  only  com¬ 
fort,  safety,  care -free  satisfaction 
and  the  minimum  of  repair  bills, 
but  it  means  actual  economy,  be¬ 
cause  the  Exide  lasts  so  much 
longer  than  other  batteries. 
Promise  yourself  an  Exide  when  you 
have  to  replace  your  present  battery.  You 
can  get  one  the  right  size  for  your  car 
at  the  nearest  Exide  Service  Station. 
The  Electric  Storage  Battery  Co. 
Philadelphia 
Oldest  and  largest  manufacturers  in  the  world  of 
storage  batteries  for  every  purpose 
For  farm  power 
and  light 
A  great  majority  of  all  farm 
power  and  light  plants  have 
Exide  Batteries.  Make  sure 
that  your9  is  a  long-life  Exide. 
For  your  radio 
set  get  an  Exide 
Radio  Battery. 
The  long-life  battery  for  your  car 
BATTER  I  £5 
SERVICE  STATION 
Look  for  this  sign. 
Wherever  you 
see  it  you  can  get 
a  new  Exide  for 
your  car  or  com¬ 
petent  repair 
work  on  any 
make  of  battery. 
RADIO 
