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THE GARDEN ISLAND. TUESDAY. JUNE 8, 1920
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(Continued from Page 1)
members of county boards and to
1'eline the duties of each.
This is the only logical policy
to make the board of education
what the name suggests.
3 County Board of Education
Each of these boards to have three
Members except Oahu which is
to have five.
These boards to have large au
thority in all matters of detail
and transfer to them the powers
ii ml responsibilities now resting
v ith the county supervisors and
slier i If s.
This is a pretty radical new
departure concerning which we
would like u little more detailed
information. Does this mean
financing, planning, constructing,
repairing etc. school buildings
etc? And if so does it mean that
this county board is to assume
this responsibility, and conduct
this work, scattered all over the
county without remuneration?
Or is the county engineer to be the
agent for this board? Or are they
to have an agent, engineer, and
architect of their own?
Reserve fund to be available for
emergency purposes in advance of
the taxes, the sums so borrowed
to be returned to the fund when
taxes come in.
This would undoubtedly cor
relate, the resources of the schools
much more closely with the needs
than at present where the supply
is a laggard runner far in the rear
of the needs and never catching
Supervision for Ififjh Schools
At present apparently they are
wandering stars in a wayward
orbit of their own, responsible
Supervise all Private Schools
Supervision is all right, but
we trust that independent initia
tive, and independent standards
and methods are not to sacrifice
to the proerustean plan of the
Reorganize the Normal School
According to all accounts this
is badly needed. Make the Nor
mal School apparently a depart
ment of the university. Evident
ly this is in the interest of eco
nomy of equipment which is all
right if it does not involve extra
vagance in other directions.
Apparently instead of the one
supervising principal, as for Kau-
u. there might be perhaps three,
each with his group of schools to
which he would devote his full
time in a much more intimate and
careful supervision than at pres
ent, and to this end he is to be
relieved from clerical drudgery.
Lanfudfe Schools to yo
Abolish all foreign language
schools but make provision for
the study of foreign languages in
connection with the school pro
gram as we now do for French,
WHAT IS A RANCHER'S
ning mills, grindstones, washing ma
chines, also pump the water and many
other time and labor savers, all of
which add to the value o fthe ranch
So tar the development of ranch
lighting plants 'has progressed to the
extent that It is possible to secure
compact lighting units where 'the
necessary gas engine and electric
generator are built upon the main
shaft, direct-connected, with the gas
engine, air-cooled and operating most
successfully on kerosene as a fuel. It
has been calculated that three or
four thousand watt hours of electri
city are readily secured from a gallon
of fuel. If this fuel is kerosene It is
easy to verify the chains of manufac
turers that electricity can be secured
from these Individuals lighting plants
for five cents per kilowatt hour, or
less. It is not uncommon, say certain
authorities, to find ranchers who have
saved from twenty to thirty hours a
week by having electricity pump the
water and operate various small ma
chines. Electricity is revolutionizing ranch
life. It brings the conveniences of the
city to the ranch and saves time and
labor. By the use of these plants, the
value of the ranche's time will be in
creased thousands of dollars, to the
lasting benefit of the rancher, his fam
ily, and, of course, to the advantage
of all those individuals who depend
upon the ranchers' activities for their
THE FARM LOAN ENTERPRISE
We are in receipt of the first semi
annual report of the Farm Loan
Board which makes a very good
showing for that institution.
The first loans were made on Kau
ai, along about last August, and a
large portion of the business has been
done on this Island.
The applications are distributed as
Kauai 36, Hawaii, 70, Oahu 7, Maui 1.
The total amount of the loans com
pleted is $141,086.50 with an average
amount per loan of $1,302.00
Mr. W. C. Avery, the secretary, has
pretty well covered the Territory by
means of personal tours of explana
tion, in which he had a great many
personal conferences with homestead
ers, and set forth to them the pur
poses, advantages, and conditions of
the plan.. In every case these explana
tions won the hearty approval of the
would-be borrower, and many patrons
were accommodated who had not
dreamed that such favorable loans
The advantages of these farm loans
over the ordinary private mortgage
loans, are substantially the following:
The search of title and records has
been done by the secretary, without
expense to the borrower. The papers
have been drawn without charge and
have been made as simple as possible.
The time for payments Is arranged
to suit the convenience of the bor
rower. Interest is charged only for the ac
tual time each amount paid out on
his account is outstanding.
The borrower Is enabled to offer as
security the value of the completed
project, whereas in an ordinary loan
he would have to put up an indepen
dent security. The sense of safety of
a long term loan, instead of the de
mand note, is greatly appreciated.
These are very material advantages
to the homesteader who hasn't much
means and is struggling to get onto
The Farm Loan enterprise is more
or less of an experiment shaped along
the lines of Bimilar enterprises else
where where the conditions are some
what different from ours. The limitation
of the same is apparent. In order to
properly finance a planter with, say,
30 acres of cane, under present condi
tions some nine or ten thousand dol
lars will be necessary; $3000, the
farm loan limit, will hardly give him
a start. This means that the farmer
must arrange for a second loan on the
basis of a second mortgage, which is
a difficult thing to do; few business
concerns are willing to take a second
lien on security of thi3 kind. A much
higher limit would enable tne Board
to do much more business and would
be a great advantage to the farmer.
South Dakota has a maximum loan
limit of $10,000. South Dakota has a
short season and a yearly turn-over,
while in Hawaii the most important
crops are biennial, or even longer.
Twice as much time-money is required
to mature the crop. This is a matter
that should be taken up by the next
Mr. Avery, well 'known to many of
our readers, is the executive secretary
of the Farm Loan Board, and much
credit is due him for the successful
inauguration and the growing effi
ciency of the enterprise.
1 Self Preservation is the First LaiO of Nature
T When your machine has collided with another car or you have
struck a person your first thought will bo of Insurance.
I The satisfaction of knowing that we have to do the worrying, and
T not you, Is well worth the small premium charge.
T SELF PRESERVATION FIRST
.Henry Waterhouse Trust Co., Ltd.
Territorial Summer School
Honolulu : JULY 7 AUGUST 18
PROFESSIONAL IMPROVEMENT INSPIRATION
Hawaii's Great Educational Symposium
For circular, address Summer School, 1'. O. Box CHG
Honolulu, T. H.
No matter where
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you always get the
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It is made to meet the
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"Red Crown" is all-re
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STANDARD OIL COMPANY
Jhe Gasoline ofQyplity
How Labor Saving Means Money
How valuable is the rancher's time?
What is it worth per hour? Thirty
cents? Fifty cents? A dollar? This
can be determined by considering the
results obtained during one busy hour
on the ranch.
It is plain that the value of his time
increases as the amount produced by
his efforts increases. Labor-saving de
vices such as the tractor, harvesting
machine, hay fork, hay loader and
many others have been introduced on
the ranch to increase production and
cut down the labor cost. The most
progressive ranchers in any commu
nity are those who keep in step with
the onward march of things the fel
lows who are only willing to do the
work as their ancestors did so long as
there is no more modern and up-to-date
way of doing the same thing.
One of the newest products of in
ventive skill to attract the rancher is
the small electric plant, a plant that
will furninh electric lights about the
farm home and electric power for
small jobs like operating churns,
cream separators, horse clippers, fan-
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