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He Won ' t Weep on Your Neck [Newspaper Article] — Banker Farmer — 1 January 1916
He Won t Weep on Your Neck THE Wisconsin Bankers association distributes monthly through its member banks , farm bulletins prepared especially for them by the state college of agriculture . They are model bulletins , by the way , easy to read , brief , with conclusions directly stated . The other day the Badger committee on agriculture addressed a circular to the banks which distribute these bulletins . Did any of your customers ever come in and weep on your neck with gratitude because of the farm bulletins you had been sending them ? the committee asked . Probably not , but those same bulletins made a very favorable impression and although you do not know it , they had a powerful influence for better methods of farming . There s a lot of good horse sense for you . Many bankerfarmers who correspond with this periodical , seem to be worrying about the reception of their banker-farmer activities by the farmer . To quote the pithy expression of the Wisconsin bankers , they expect the f...
A Jolt for Your Uncle Samuel [Newspaper Article] — Banker Farmer — 1 January 1916
A Jolt for Your Uncle Samuel DD . CHABLES W . ELIOT declares that for more than a year it has been perfectly obvious that democracy as a form of government is on trial before the civilized world . The president emeritus of Harvard says that the question , Can a democracy be as efficient as modern autocracy in war ? cannot be answered with confidence . Has democracy been as efficient as autocracy in promoting the public welfare during period of peace ? Dr . Eliot says that the answer to this is clearly no —in view of Germany s achievements since 1850 . Incompetency and inefficiency on the part of civil servants endanger the whole fabric of our government . We violate every principle of sound business management when- we do things such as changing the administration of the postal department with every change of party . With such strong upper-cuts as this the venerable educator seeks to jolt the smug cbntentedness of Uncle Sam . Perhaps Uncle Sam—who is only you and I—will heed one of ...
The Need for Reliable Livestock Insurance to Finance the Farmer [Newspaper Article] — Banker Farmer — 1 January 1916
The Need for Reliable Livestock Insurance to Finance the Farmer OUR state , to a large extent , is still in process of development , and only a small portion of the resources have been utilized . The Puget Sound country is that portion of the state of Washington extending from Olympia on the southern point to Blaine as the northern extremity with the state limit and bordered on the east by the Cascade range . It is almost ideal for the dairying industry , for in this section of God s country it is not necessary to feed indoors , as done in the eastern and central states . Our grass grows until Christmas time , and is green the entire year around . | ¦ | | | piiiiiiiiiiiiiiiiiiiiiiiiiniiiiiiiiiiiiiiiiiiiiiiiiiiiiiiNiiniiiiiiiiiiiiiiiiiiiiiiiiiiiiw p This banker would make more livestock loans , if they could be safeguarded by reliable livestock I insurance . The epidemic of foot and mouth disI ease has more than ever called attention to the § great advantage which would be afforded i...
How the Success of a Woman Farmer is Inspiring the South [Newspaper Article] — Banker Farmer — 1 January 1916
How the Success of a Woman Farmer is Inspiring the South THE South is being inspired by a woman—Mrs . G . H . Mathis of Birmingham , Alabama , one of the largest landowners of the state . She has demonstrated by example that the right kind of farming will redeem the socalled wornout lands of Dixie . The Alabama Bankers association sent her up and down the state to preach the gospel of diversified farming and lately she has been borrowed by the Bureau of Farm Development of Memphis , Tennessee , which has begun a comprehensive campaign . A few years ago Mrs . Mathis went into the hills of eastern Alabama and bought 1 , 060 acres of poor land at $ 8 an acre ; 580 acres of red clay , 320 acres of shale and 160 acres of mountain land . The renters were poor and had hard work to make any sort of living because the land was so badly impoverished . Six years later her tenants , under her direction , had built up the land to an average production of a bale of cotton an acre , and she sold o...
How Farm Women Are Building Up a Dairying Community [Newspaper Article] — Banker Farmer — 1 January 1916
How Farm Women Are Building Up a Dairying Community THEY are bringing cows to Pleasant Valley , down in sunny Tennessee , where the snug profits from dairying were never realized until a far-seeing woman and her aides had showed the farm wives how cooperation meant double dairy profits . Pleasant Valley held a sale of Jersey cattle the other day , the first in its history . Something like fifty registered cows and calves were sold to farmers and the churns are busier than ever this winter , while the farm wives sing at their work . Separators and silos are coming . There is talk of a cooperative creamery . Pleasant Valley has found one of the paths to diversification . And it all happened because there was a church debt . Of course there was a Ladies Aid society—there always is—but this was no perfunctory organization . It could not be , for its leader was Miss Elizabeth Denty Abernathy . For twenty years she had been a rural teacher—a teacher who had looked deep into the problems o...
Conditions Adverse—but the Bank Brought Milk Cows and Hogs [Newspaper Article] — Banker Farmer — 1 January 1916
Conditions Adverse—but the Bank Brought Milk Cows and Hogs THIS is a community but five years old . The land is as good as can be found , but is By Carl M . Kraemer Cashier State Bank of Plummer , Idaho covered with a good growth of timber . I began to realize that it was but a matter of time before our timber would be exhausted and that all we would have left would be stump lands . The natural clearings would be insufficient to support the present population in the future . I also knew that it was impossible to blow the stumps and clear the land in any short time and that it was a matter of many years ^ before there would be enough cleared to support the district . We had a heavy growth of grasses in the timber and where this timber had been cut the grasses more than tripled . Then the fact dawned that it would not be necessary to clear the land of stumps to produce a crop that would be useful . Where the clearings were naturally large , that is , had few stumps , small vegetables ...
What the Present Banking System is Doing-and Can Do-for Farm Loans [Newspaper Article] — Banker Farmer — 1 January 1916
What the Present Banking System is Doing-and Can Do-for Farm Loans I AM asked to tell you what the national and state banks are now doing in By B . F . Harris To National Conference on Marketing and Farm Credit the matter of farm or real estate mortgage loans . We have some 30 , 000 banks in the United States , 26 , 765 of which report their condition more or less in detail , their loans and discounts aggregating 15 % billions ; bonds , stocks , etc ., 5 % billions ; their total resources amounting to more than 24 billions . Of these institutions 7 , 525 are national banks with total resources of $ 9 , 150 , 117 , 780 , and 14 , 512 are state banks of the commercial class or national type with resources of $ 4 , 353 , 663 , 536 . There are also some 3 , 664 mutual and stock savings banks , and loan and trust companies under state supervision that have resources of almost 11 billions . Only about 34 per cent of the nearly 25 billions of dollars , total resources of the 26 , 765 repor...
Life Insurance Companies Loan 654 Millions on Farms [Newspaper Article] — Banker Farmer — 1 January 1916
Life Insurance Companies Loan 654 Millions on Farms AT the recent annual meeting of the Association of Life Insurance Presidents , their general counsel and manager , Robert Lynn Cox , submitted a most interesting report of the farm mortgage holdings as well as the entire real estate holdings of all the life insurance companies of the United States , a brief summary of which is as follows : The total mortgage loans of the life insurance companies amout to $ 1 , 677 , 102 , 467 , of which $ 654 , 650 , 505 . 72 , or 39 . 03 per cent , were on United States farms , and $ 993 , 480 , 170 . 03 , or 59 . 24 per cent , were on other real property in the United States , the balance of 1 . 73 per cent being on Porto Rican and Canadian real estate . The following conclusions are arrived at : First : The total wealth of the country has substantially doubled during the ten years ending December 31 , 1914 . Likewise , the investment funds held by life insurance companies have nearly doubled dur...
Have Your Farmer Friends Read This Magazine in 1 916 [Newspaper Article] — Banker Farmer — 1 January 1916
Have Your Farmer Friends Read This Magazine in 1 916 W HAT does your bank plan to do for agriculture and country life in 1916 ? For of course you are going to enlist with the rapidly increasing army of bankerfarmers who can see beyond their nose into the open country . No matter where you are , there is something you can do to help . And whatever you do , this little magazine will help you . Distribute it among your farmer friends . It will explain why you think you ought to get into the game . It will give them a new and right kind of an idea about bankers . How many of your farmer customers know about the licks for agriculture and country life that the American banker is putting in ? Maybe your farmer friends still believe that bankers are only Shylocks , interested only in interest ? Banks all over the country are distributing the magazine . The distribution of this magazine by YOUR bank will be advantageous , generally and particularly . Your farmers will appreciate it . Dont ex...
What They Say [Newspaper Article] — Banker Farmer — 1 January 1916
What They Say I know of no periodical that states the actual facts so clearly and precisely as THE BANKER -FARMER . —E . E . Flood , vice-president , Bank of Rosalia , Rosalia , Washington . I think it is one of the best , if not the best , publication covering the field . —M . E . Lies , president ,, Douglas County bank , Waterville , Washington . I like THE BANKER-FARMER . —Ada Mills , cashier , Bank of Wilton , Wilton , Arkansas . - It appeals to me because it is such a sensible and practical publication . —W . H . Yenney , cashier , First National bank , Williamstown , New Jersey . Want to tell you that it is one of the very best that comes to our desk . —R . H . Weems , Faulkner County bank , Conway , Arkansas . I think you have made a wonderful success of THE BANKER-FARMER . —F . N . Shepherd , cashier , Empire National bank , Lewiston , Idaho . I have read THE BANKER -FARMER since its first issue and believe it is doing a great work in a most intelligent and impressive manner...
I A New Bound Volume ! [Newspaper Article] — Banker Farmer — 1 January 1916
I A New Bound Volume ! I Volume II of THE BANKER-FARMER —neatly bound in I red , flexible covers—200 pages of reading matter , ineluding the big addresses at the Banker-Farmer ConI ference . I Every banker should have it . Prepaid for $ 1 . 25 . While copies of the twelve numbers of Volume I last , we will make this great offer : Volumes I and II , bound in one cover , in a 392 page book , a complete resume of the banker-farmer movement , prepaid for $ 1 . 75 . l »! l ! l ! l !!! l ! ll |!! l !»! ll ! l ! l ! lllllllll | | | | |
We Help to Get a County Agent [Newspaper Article] — Banker Farmer — 1 January 1916
We Help to Get a County Agent l We have been mailing out THE BANKER-FARMER for several months to 100 prominent farmers and I am satisfied the &lt; leaven is working . Our board of superm visors has just made the necessary appropriation to engage a county agent and he is in the field and at I work . I attribute considerable of this to the missionary work of THE BANKER-FARMER . The paper has the right g ring and the farmers are responding . — -J . E . Wiggins , cashier , Wolverine State Savings bank * Wolverine , I Michigan . IniinniiuiiiiiniM ^
Business Men and Farmers Cooperate [Newspaper Article] — Banker Farmer — 1 January 1916
Business Men and Farmers Cooperate ( Continued from page 4 ) women s organizations within the county and these have created what is known as the Home Committee . This brought together the women of the farms and the women of the cities in a joint effort to raise funds to secure a homemaking adviser and establish a system of district nursing throughout the county . Enough money was raised by the women and the League employed a woman worker . It is hard to over emphasize the new county solidarity which means even more than the economic gain . This was expressed by one farmer who was addressing a group of 200 business men . He said , It means much to me to be able to make $ 3 or $ 3 where I have made $ 1 before . It means much to my wife and to my children , but it means more to have you men come out into the country as you did , and to invite me to come here , as you did . Itis obliterating the line of demarcation between the farmer and the business man and is bringing us together shou...
What it Costs Uncle Sam ' s Farmers to Stay in the Land of Mud [Newspaper Article] — Banker Farmer — 1 February 1916
What it Costs Uncle Sam s Farmers to Stay in the Land of Mud THI S is the land of the free and the home of the brave—and it is also By Louis M . Tobin the Land of Mud . We invented the submarine—tho talking machine—the moving picture—the aeroplane and the wireless telephone , and we also have the dubious distinction of standing for the worst roads of any civilized nation in the world . There are in the United States only about 150 , 000 miles of really first-class highways . On the other hand there is a system of about two million miles of unimproved roads . Unimproved is in most instances a polite synonym for bad . Twenty per cent of them carry 90 per cent of the traffic . They ought to be good roads . But they re bad . These bad roads cling on the back of Uncle Sam like an Old Man of the Sea . Uncle Sam carries lots of burdens but this is his heaviest . It costs him millions of dollars annually . Every citizen must chip in to help Uncle Sam finance this burden—but the farmer pays ...
UNKNOWN [Newspaper Article] — Banker Farmer — 1 February 1916
Attention ! Our first reel shows ten—count em—ten oxen in the year of our Lord , 1915 , struggling to pull a light load over an old gumbo road in Mississippi . The average cost of transportation over our country roads is 23 cents per ton per mile—that s pretty high—but this is costing more . _ Take it away and look on a brighter picture—it is in Spotsylvania county , Virginia , where met nine teams hauling lumber eighteen miles over an improved road . This transportation costs 11 cents per ton per mile—the farmers saved $ 41 , 000—nearly half the cost of the road—the fust year it was built !
What Good Roads Would Mean to the Farmer ' s Market [Newspaper Article] — Banker Farmer — 1 February 1916
What Good Roads Would Mean to the Farmer s Market WHAT our roads cost us because of excessive transportation charges , improper market con By Andrew P . Anderson V . S . Office of Public Roads ditions , retarded agricultural developments and unnatural social conditions , we shall probably never know , except in the most general ways . We do know , however , that practically every pound of agricultural produce intended for sale must pass over a greater or lesser portion of our public roads . Franklin county , New York , voted $ 500 , 000 in bonds to improve a system of county roads . On the old roads 25 cans of milk weighing 120 pounds each was an average twohorse load . On the improved roads at present , the average two-horse load is 40 cans , while a condenser is successfully employing a motor truck hauling 50 cans at the load . The cost of hauling milk in this case works as follows : Teams on the unimproved roads , 22 cents per ton mile ; teams on the improved roads , 12 % cents p...
What Good Roads Mean to the School - Children of the Country [Newspaper Article] — Banker Farmer — 1 February 1916
What Good Roads Mean to the School - Children of the Country A FARMING community , roused to the manifest need of better facilities for education for its boys and girls , began to consider the idea of a consolidated school . Even the most conservative members of the community were beginning to concede that the little one-room schoolhouse with its $ 45 a month teacher was not filling the bill . Families which had been considered fixtures were renting their farms and moving to town—to educate their children . The story of the consolidated school and its success elsewhere was heard . The idea gained strength . There seemed to be no obstacle . Sufficient sentiment had been created to carry the proposition at an election . But to assure themselves that their plans were well-considered , the men behind the movement sent for a trained man from the state univer sity . They met him . They were loaded down with data . But the expert said he wanted to ask a question . Before we go into this , ...
What Good Roads Mean to the Farm Women—Told bv One [Newspaper Article] — Banker Farmer — 1 February 1916
What Good Roads Mean to the Farm Women—Told bv One rAST evening I found myself 8 tand ___ lf _ before thn miprnr By Mrs . Nellie Kedzie Jones talking and laughing to myself as though I were greeting a visitor . Then suddenly it struck me how uncanny it was and I had a good cry . Will had been gone all day and did not get home till very late at night and I was so lonely . I tell you this monotony on the ranch will drive me mad . So ran a letter I received from a dear girlhood friend who lives on a ranch eighteen miles from town . She grew up in town and had plenty of social life and , moreover , had brothers and sisters near her own age . Now eighteen miles of dirt road shut her off from church , her very life , and from fellowship with other women . Her husband , her three little children , and the hired man comprise practically the whole of her social life from the time the fall rains set in till good roads come again in the spring . The hired girl I ought to include in that little...