American Agriculturist, March 17,1923 
245 
Can You Afford to Buy 
Fertilizer on Credit ? 
BY W. I. MEYERS 
I N an effort to reduce the amount of 
credit business, fertilizer companies are 
offering more liberal discounts for cash 
this year than ever before. This offers the 
business farmer an unusual opportu¬ 
nity to reduce the cost of his fertilizer. 
The base price for fertilizer this year 
is for payment October 1. From this 
base price a discount of 5 per cent is 
allowed for payment July 1. If pay¬ 
ment is made before July 1, an addi¬ 
tional one-half per cent discount is 
given for each month before July 1 that 
payment is made. 
If cash is paid for fertilizer with 
order or at time of delivery (sight 
draft), an extra discount of 2 per cent 
is allowed, in addition to the other dis¬ 
counts. If you buy fertilizer for deliv¬ 
ery between March 15 and April 1, the 
discounts for cash would be as follows: 
Per cent 
Discounts for payment on or be¬ 
fore July 1. 5 
Additional discount of one-half per 
cent per month if payment is 
made April 1 (3 months). 1% 
Extra discount of 2 per cent for 
cash with order or on delivery 2 
Total discount for cash payment 
on or befox’e April 1. 81^ 
This 8 V 2 per cent discount is given 
for paying six months ahead of the 
credit payment date, October 1, and 
therefore is at the rate of 17 per cent 
per year. Looking at it the other way, 
the man who buys fertilizer on credit 
is paying at the rate of 17 per cent per 
year for his credit. Can you afford to 
do it? 
Good Credit Standing an Asset 
The fact that money is scarce at this 
time of year need not prevent anyone 
from paying cash for his fertilizer if 
he has good credit standing at his bank 
and is able to borrow the money there. 
If the money is borrowed at the bank, 
the interest cost for six months would 
be 3 per cent, leaving a discount of 5% 
per cent above interest. The cash dis¬ 
counts for other times of delivery are 
proportional and can easily be deter¬ 
mined.. For fertilizer to be delivered 
after April 1, but before May 1, the 
cash discount would be 8 per cent, and 
for delivery after May 1, but before 
June 1, 7% per cent. These discounts 
are for less than six months, and the 
rate per year is therefore even higher 
than 17 per cent. 
The fertilizer companies cannot be 
criticized justly for charging high rates 
for credit. The business of the fertil¬ 
izer company is to sell fertilizer, and it 
can do that efficiently. It is not the 
business of the fertilizer company to 
extend credit to thousands of farmers 
scattered over several states. 
The Best Place to Get Money 
The best and cheapest place to bor¬ 
row money is usually at the local bank. 
The banker, who has personal knowl¬ 
edge of farmers in the surrounding re¬ 
gion, can lend them money with less 
loss and at less cost than any outside 
commercial organization. It is doubt¬ 
less good business for the fertilizer 
companies to offer generous discounts 
for cash. It is certainly good business 
for the business farmer to accept them 
and to borrow at the local bank, if 
necessary, in order to do so. 
New York farmers spent $15,000,000 
for fertilizers in 1919. With lower 
prices, they will doubtless spend at 
least $10,000,000 for plant food in 
1923. If every farmer paid cash for 
his fertilizer, the saving above bank 
interest would be about 5 per cent on 
this amount, or $500,000. Arrange to 
pay cash on delivery for your fertilizer 
and save your share of this amount. 
I have been a reader of your paper 
30 years and like it very much. I 
think it is the leading all-round farm 
paper. I make it a point to read it all 
through. I particularly admire Dean 
and also Van Wagenen’s articles, 
and think Editor Eastman has been a 
great help to the old reliable American 
Agriculturist. I have faith that you 
'vill do all in your power to help us 
^ 0 ^ farmers.—G. H. Swaze, Otselic, 
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AMERICAN A(SRICULTURIST 
461 FOURTH AVE., NEW YORK CITY 
Every Poultry Raiser 
wants these 4 Results 
—now you can get them! 
Higher fertility and stronger germs — larger hatches with 
fewer chicks dying in the shell — greater vitality — quicker 
gains. These are the four things you want in your flock. 
And now a remarkable new development in feeding is mak¬ 
ing them possible. 
Increases fertility 
The fertility of eggs depends on the potency and activity of the 
parent birds. The vital elements contained in yeast have a direct in¬ 
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Dry Yeast to your hens and cockerels and_^you will have more fertile 
eggs in your incubators. 
Fleischmann’s Pure Dry Yeast comes in 2^4 pound 
cans, containing 117 tablespoonfuls, or enough to last 
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Costs less than 2c a table- 
spoonful. 117 tablespoon¬ 
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✓ The 
Fleischmann 
^ Company 
* Dept. D -13 
^ 701 Washington 
St., New York City 
/ Enclosed find two dol- 
# lars ($2.00) . Please send 
y me a 2^ pound can of 
Fleischmann’s Pure Dry 
»’ Yeast by prepaid parcel post. 
Name,, 
Street and number. 
Increases hatchahility 
Hatchability is possible only to strong embryo chicks. If they have 
inherited the strength of a yeast-fed hen, they will break through and 
there will be less dying in the shell. 
Increases vitality 
Greater vitality and less loss are found in the young chicks fed early 
on a mash containing Fleischmann’s Pure Dry Yeast. Leg weakness 
and white diarrhea are prevented. 
Increases rate of growth 
Grow—normal and better than normal — is the result of feeding 
yeast. Two-pound broilers in 2 months when Fleischmann’s Pure Dry 
Yeast is added to the mash. 
City 
State 
/ 
