‘The  RURAL  NEW-YORKER 
1 177 
Per 
Square 
Freight  Paid 
— as  Follows 
Freight  charges  prepaid  in 
full  on  all  orders  of  roofing  from  this 
advertisement  at  prices  shown  to  Illinois, 
Indiana,  Ohio,  Wisconsin,  Michigan, 
Minnesota,  Missouri,  Iowa,  New  York 
and  Pennsylvania.  If  your  state  is  not  in¬ 
cluded,  proportionate  differences  in 
freight  charges  will  be  allowed. 
Order  from  this  List! 
Galvanized  Roofing 
These  GALVANIZED  sheets  are  suitable  for  roofing  or 
siding,  free  from  holes,  squarely  trimmed,  recorrugated 
and  given  a  coat  of  Red  Paint  free  of  charge. 
No.  SD- 1 1 1 — Heavy  weight  overhauledG ALVANIZED 
2}£-inch  Corrugated  sheets— per  squareof  100  $0  75 
square  feet .  O— 
Painted  Roofing  and  Siding 
No.  SD-X12— Standard  weight  overhauled  painted  2K 
inch  Corrugated  sheets— suitable  for  siding—  $035 
per  square  of  100  square  feet . .  “ - 
No.  SD-113— Medium  weight  overhauled  painted  2K-in. 
Corrugated  sheet— for  roofing  of  better  siding  $0  85 
—per  square  of  100  square  feet . 
New  Govenment  Corrugated  Sheets 
No.  SD-114 — BRAND  NEW  PAINTED  2% inch  COR¬ 
RUGATED  SHEETS  in  22  Gauge — purchased  from  the 
United  States  Government.  A  wonderful  value  $  A  25 
—per  square  of  100  square  feet . . 
Red  and  Gray  Slate  Coated  Roll  Roofing 
No.  SD-115 — NEW  Slate  Coated  Roofing  in  rolls  of  108 
square  feet  complete  with  nails  and  cement.  $000 
Weight  85  pounds.  Red  or  gray.  Per  roll .  «fc  — 
No.  SD-116— New  Heavy  Smooth  Surfaced  Roofing- 
Sound  and  durable — easily  taken  care  of— Adopted  to 
every  roofing  need.  Complete  with  nails  and  $  85 
cement — per  roll .  *  — 
HARRIS  BROTHERS  CO. 
35th  and  Iron  Streets,  CHICAGO 
MAIL  THIS  COUPON  NOW! 
I  HARRIS  BROTHERS  CO..  Chicago,  |||. 
Dept.  SD-37 
I  Fill  out  coupon  below  and  we  will  send  you 
our  estimate  of  cost  for  your  building  without 
I  obligation  on  your  part. 
j  NAME . 
I  ADDRESS . 
.  Size  of  Building  or  Roof  Dimensions 
Kind  of  Roofing  Preferred 
SLOW  SPEED  ELECTRIC  PLAINT 
Special  Electric  Engine  Direct  connect¬ 
ed  to  slow  speed  generator.  (475  R  P  M) 
Simple  construction  understood  by 
every  farmer,  but  most  durable  and 
reliable.  Burns  kerosene  or  gasoline. 
RURAL  ELECTRIC  EQUIPMENT  CO. 
21  Main  St.,  Canton,  Penna.  U.  S.  A. 
lllllllllllllllllllimilllllMllllllllllllllllllin 
USEFUL  FARM  BOOKS 
Fertilizers  and  Crop,  Van  Slyke.  . .  .$3.25 
Intensive  Strawb’ry  Culture,  Graton.  1.00 
Milk  Testing,  Publow . 90 
Butter  Malting,  Publow.  . .  . ; . 90 
Manual  of  Milk  Products,  Stocking.  2.75 
Book  of  Cheese,  Thom  and  Fisk.  . . ,  2.40 
Successful  Fruit  Culture,  Maynard.  1.75 
Pruning  Manual  Bailey .  2.50 
American  Apple  Orchard,  Waugh..  1.75 
American  Peach  Orchard,  Waugh..  1.75 
Vegetable  Garden,  Watts .  2.50 
Vegetable  Forcing,  Watts .  2.50 
Edmonds’  Poultry  Account  Book. . .  1.00 
Turkey  Book,  Lamon .  1.75 
Poultry,  Richardson .  1-50 
For  sale  by 
THE  RURAL  NEW-YORKER 
333  W.  30th  St.  New  York  City 
iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiimiiitiiimm 
Foreclosure  by  a  Federal  Land  Bank 
Your  reply  to  a  letter  of  inquiry  (page 
1095),  “Foreclosure  by  a  Federal  Land 
Bank,”  suggests  that  such  bank  would 
take  a  different  attitude  than  was  orig- 
was  intended  it  should  when  the  farm  loan 
act  was  passed  by  Congress.  That  is,  in 
ordinary  cases  where  temporary  illness  or 
bad  growing  conditions  would  prevent  the 
borrower  from  meeting  a  payment,  which 
he  could  make  at  a  later  date.  The  idea 
back  of  the  farm  loan  act  was  that  farm¬ 
ers  of  the  country  should  be  enabled  to 
market  their  united  credit  in  securing  in¬ 
dividual  loans  for  long  periods  of  time. 
The  representatives  of  the  farmers  drew 
the  bill,  and  provisions  in  it  were  made 
to  cover  all  reasonable  requirements.  The 
farmers  had  for  so  long  been  treated  like 
dogs  by  the  small-town  and  cross-road 
capitalists  that  in  time  they  began  to  feel 
and  act  like  dogs  when  trying  to  use  their 
credit  and  security  for  securing  financial 
aid  to  carry  on  their  business.  Store¬ 
keepers  and  manufacturers  could  go  to 
their  banks  and  on  their  notes  secure 
loans  to  carry  them  over  until  they  could 
realize  enough  on  their  stock  to  come  out 
with  a  profit.  The  nature  of  farming  re¬ 
quires  long  time  loans,  so  the  farm  loan 
act  was  proposed  and  adopted,  and  fur¬ 
ther  to  aid  the  farmer  in  financing  liis 
business,  further  legislation  is  proposed, 
that  he  may  secure  what  are  called  “short 
term  loans.”  but  which  will  be  for  a  long¬ 
er  period  than  those  the  National  and 
State  banks  usually  make  to  their  clients. 
The  loans  made  to  the  farmers  through 
national  farm  loan  associations  were  not 
intended  to  be  based  primarily  upon  the 
selling  value  of  the  farm  offered,  as  secur¬ 
ity,  hut  the  farm  as  it  was  intended  to  be 
after  the  loan  had  been  used,  with  fur¬ 
ther  improvements,  better  stock,  etc.  Of 
course,  in  a  case  where  a  farmer  deliber¬ 
ately  tries  to  secure  a  loan  with  the  pur¬ 
pose  of  unloading  an  undesirable  farm 
onto  the  association,  such  an  attempt 
should  be  rejected. 
Six  years  ago  I  organized  a  farm  loan 
association  in  one  of  the  up-State  coun¬ 
ties.  As  I  remember  it,  the  constitution 
and  by-laws,  which  were  approved  by 
the  Federal  Farm  Loan  Board,  provided 
that  in  a  case  where  a  member,  through 
sickness,  bad  season,  or  for  any  other 
good  reason,  could  not  meet  his  annual 
payment  ($05  per  $1,000  loan),  the  asso¬ 
ciation  of  which  he  was  a  member,  and 
through  which  he  secured  his  loan,  could 
carry  him  for  a  term  of  one  year.  I  be¬ 
lieve  this  provision  was  general  with  all 
farm  loan  associations. 
If  the  Federal  Board  has  placed  great¬ 
er  restrictions  than  at  first  existed,  the 
members  of  the  associations  themselves 
are  to  blame.  The  act  was  drawn  by 
representatives  of  the  farmers,  was 
passed  by  their  friends  in  Congress,  was 
signed  by  their  friend  Woodrow  Wilson. 
It  provided  that  with  purchase  of  Land 
Bank  stock,  which  every  borrower  (mem¬ 
ber)  had  to  make,  the  mem  hers  of  the 
association  would  in  time  themselves  take 
over  the  direction  of  the  Land  Banks, 
subject  only  to  Federal  regulation,  just 
as  National  Banks  are.  If  the  officers  of 
the  farm  loan  associations  hare  not  yet 
taken  steps  to  get  elected  as  directors  of 
the  Land  Banks,  then  they  are  lax  in 
their  duties  to  the  associations.  Too  often 
it  is  the  ease  that  the  association  officers, 
having  secured  their  loans,  lie  down  on 
their  jobs  and  consider  the  offices  that 
they  fill  as  mostly  honorary. 
In  the  case  of  your  inquirer,  I  would 
suggest  that  he  apply  to  the  officers  of 
his  association  that  it  carry  him  for  an¬ 
other  year.  If  upon  investigation  they 
find  that  they  can  trust  him  to  make  the 
two  payments  due  when  the  times  comes, 
also  to  pay  any  taxes,  etc.,  that  may  ac¬ 
crue,  it  will  he  their  duty  so  to  carry  him. 
If  the  matter  rests  with  the  Land  Bank 
of  their  district,  they  should  recommend 
to  it  that  such  extension  be  made. 
New  York.  william  w.  mukro. 
In  the  ease  mentioned  the  borrower  lias 
become  discouraged  and  wants  to  retire. 
What  lie  wanted  to  know  was  whether 
the  Land  Bank  would  close  up  the  case 
as  any  other  holder  of  a  mortgage  would. 
From  an  Ex-service  Man 
As  an  ex-service  man  and  a  farmer  I 
wish  to  take  exception  to  C.  S.  Greene’s 
insinuations  concerning  army  life,  page 
1086.  I  was  in  the  army  over  two  years 
during  the  World  War  and  I  wish  to 
state  that  I  never  met  a  finer  or  cleaner 
bunch  of  young  men  in  my  life.  What  if 
they  did  smoke  cigarettes.  Is  that  a 
crime?  If  it  is  I  have  been  a  criminal 
for  some  years.  As  to  contracting  idle 
habits ;  if  Mr.  Greene  would  go  through 
the  regular  army  routine  for  a  day  or  so 
he  would  find  that  there  were  very  few 
idle  moments  from  6  A.  M.  until  9 
P.  M.,  when  taps  is  blown  and  every¬ 
one  must  be  in  bed.  Would  Mr.  Greene 
call  fighting  in  the  mud  and  rain  or  on 
empty  stomach  for  48  hours  a  good  way 
to  control  idle  habits?  As  for  not  telling 
anyone  that  I  am  an  ex-service  man  I 
will  say  that  I  ajn  proud  to  announce 
that  I  enlisted  the  day  war  was  declared, 
was  badly  wounded  and  would  do  the 
same  again  if  necessary,  c.  J.  M. 
Now— 
the  Exide  first  cost 
is  low 
For  a  great  many  years  Exide  has  been 
known  as  the. long-life  battery.  It  stays 
on  the  job  so  long  that  thousands  of  car 
owners  have  found  it  to  be  by  far  the 
most  economical  battery  in  the  end.  At 
the  present  prices  of  Exide  Batteries,  even 
the  first  cost  is  low. 
Now,  no  man  need  deny  himself  the 
satisfaction  of  getting  a  willing,  rugged 
Exide.  It  will  serve  you  so  long  and  with 
so  little  expense  for  upkeep  that  you  will 
find  it  the  soundest  kind  of  economy. 
The  quality  remains  the  same  that  has 
brought  world-wide  acceptance  of  Exide 
as  the  standard  storage  battery.  Exide 
was  on  the  first  electrically  started  auto¬ 
mobile  in  1911.  Today,  more  new  cars 
leave  the  factories  equipped  with  Exides 
than  with  any  other  battery. 
For  your  comfort  and  for  the  sake  of 
economy,  go  to  the  nearest  Exide  Service 
Station  and  get  the  Exide  Battery  made 
for  your  car. 
Before  putting  a  New  Battery  in  your 
car ,  get  the  New  Price  of  the  Exide 
at  the  nearest  Exid*>,  Service  Station 
The  Electric  Storage  Battery  Company 
Philadelphia 
Branches  in  Seventeen  Cities 
Manufactured  in  Canada  by  Exide  Batteries  of  Canada,  Limltad 
133-157  Dufferin  Street,  Toronto 
Exibe 
BATTER  I E5 
Exibe1 
:  $Am«HCS  |::: 
SERVICE  STWI0M 
Look  for  this  sign.  Wher¬ 
ever  you  see  it  you  can  get 
a  new  Exide  for  your  car  or 
competent  repair  work  on 
any  make  of  battery. 
Magistrate  :  “Have  you  anything  to 
say  before  I  pass  sentence?”  Burglar : 
“Yes,  m’lud.  It’s  a  bit  thick  bein’  iden¬ 
tified  by  a  bloke  wot  kept  ’is  head  under 
the  bedclothes  the  whole  time.” — London 
Opinion. 
O  A  px  T  px  For  your  radio  set  get  an 
■L'‘  A  Exide  Radio  Battery. 
THE  LONG-LIFE  BATTERY  FOR  YOUR  CAR 
