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THE C T in in ur nun uU IRlHlfllFt
farmers to Be Backed Up by Funds
furnished to Them by Government
Lord & Taylor
Lord & Taylor
Germany the First Nation to Recognize the Tiller
of the Soil as the Mainstay of the Nation
"Financing the Farmer Is the First Step in
Reducing the High Cost of Living for
the Future Economy of the Coun
try," Says Ambassador Herrick.
BY SOPHIE IRENE WEB.
tatea will aoom esas I to have
earplae of foe mat tot rayon
"In a recent census bulletin the state
mpnt Is made (hat It la only by reason
of a great reduction In the exportation
honss la Parle Informed the freet
dent of one of ttaa Vew Tork com
paalea that It could sssorb aana-
lly MO.OOO.OOO of real oatata mort
gaa;e oortlfloataa. the price to be
4H per ooat. at M the flret year,
and probable N pat cent. at M
ttiereaftsr nntll popularised
"In the article printed and Issued last
May try tho Iepnrlment of Slate, with
the expremi eanctlon of Hecretary Kn,
" 'I'renldent Taft wanta to Introduce
Ihe Kiirnpean syatim In tkla c.mnlry o
that the Amcrlrm farmer .'aa raise
money on hla fartn through a bond
sslnhin In ntiv part of the country
' heap mnney,' thlnka Mr. Taft. will put
It In Die power of the email farmer ur
t lie tennnt who wanta to atart out for
hlmaetf to K't Ml farm on a paylnf
baala wltlmiit shmiMerlng a staggering
I Mils. Oct. 1 While our captain of ludnntrv and ecmiomlBta on all
aide have been devising waya and mean for the alleviation of the present
high coat of linn In America, ei-uov. iierrirK, Amnaaaauor to r ranee, naa imr,p , th utet. it would thua do
her engaged In an extenalve research aa to thn corresponding low coat of , more than all ri- to advance the hack
l.ving m other countries, having been donated by our Government to In-1 jESSJSR lh. E2gtetl
veatlgatc method of financing the farmer. In thla work he haa had thai of fiirmln which the (lovemment la
aid of four ambassador, beside profeaaora and noteworthy authorities. JJJJK, "sttrt"- W,',' " tlWky' co,,
Hla finding are now being prepared and represent an exhnuatlva work, The article further atalea that the tn
preaentina: all side of the question. MrttllgaMona now heina made hy the (lov-
...... .. , . ... emnu tit "ll cntrcd ahout the Cre-llt
"The whole propoaltlon la baaed on practical fnrta propoBlng method fonder of France un.1 the I-andachatan
now In successful operation," aald Gov llerrlrk when I railed on him at i of DannaBy,
the Kmb...v. "Tho fundamental reault of our finding, point, toward the L,' 'TV-, 'sogtoUM
one principle of economy, giving thn farmer a chance to develop our vast' pa.nl. s mtMlonsd have been flaed by
resource, which are seemingly In embryo. h loelal and economic condition, of
... . I the country In which Ihev are located;
"While we have advanced rapidly In the matter of aclentlflc farming, hut American ingenuity enrely la equal
Improved Implement and the like, yet thla matter of 'hacking him up,' In ; '" t '" "f ninboratinK and of adapt
the vernacular, haa practically heen left unsolved. It were aa If you had j and aril, the
a perfect engine that had unlimited potential power yet tho fuel wa. lack- credit Institutions
lag to give It the Impetua of acting energy.
"It la all vary well to advance
here the prlnclplea
the theory of -Back to the land'
far the aettleanaat of or ooat.
of -living dlflrnltlee and yon hear
the kae and the cry oa all aldea.
hat entil the fanner eaa get
moaey at a low rate of latere et
and a eurety of eafety la the way
of extended time, tha whole Idea
to like unto the One sagls without
"There era thonaaada of people
la the conreated aeotlona of our
cltlee who would areloosne a gotnr
back to farming but have not tho
means to do a.
'The American farmer In procuring
hla loana haa been alile only to get It
from hla Immediate ronflnee and for
"Thu. he haa everlaallngly been nandl
oapped with the fear of the proverbial
forerloetng of the Mortgage on the
"Mut If he could lake a farm and be
aure of aa much aa 71 or lis) yeara' time
for hla loans at a vary low rete of In
terrat hla own personal lntereat In the
development of hie property would In
ereasr ennrmoualy and hla fuller capac
ity of production be realised to the re
sunn cood of the populace. Aa It la.
wa are fast conaumlng more than we
are producing In the line of loott-stuffs
and must depend on other countries fur
PLAN TO HAVE UNCLE SAM
TAKE A HAND.
"Hot with a Joining of banklnr forces,
aanrrloned and encouraged by tha
United Hiates Government, tha farmer
could ao safeguard and atrengthen hla
resources that the bualneas of farming
would not only assume naw dlgnlly
but wouM form a meana of livelihood
that at present only a small percentage
of our laboring public le engaged In.
"Ale i. securities thui placed, having
tha approval and encouragement of the
Oovernment, would enhance In value not
only In America but elsewhere, where
money could be purchased at lowar
ratee of lntereat.
"In this way farmrra' securities would
become Important and aoughl aa a
meana of Inveatment.
"The farmer would have a naw Interest
W hla holdings which could go on per
petuating to hla posterity. Ha would
consequently develop more and more
and the production of foodetuffa would
lacrease ao that prlcea would aooordlng
"In America the farmer, when he
neede funde by the uso of which hs
may Increase the output of hla farm,
seldom can borrow except In hta own
Immediate nelghbot hood and for abort
perloda. He la fearful of ualng bor
rowed money to pay for Important Im-
provemente and to meet tha ooat of
making nerrssary changes In methode
that may lake aonie yrare to perfect
for the reason that he may be called
Upon to repay the loan before the ep
plication of the borrowed funda haa In
creaaed his Income and at a time when
the repayment would be a serious hard
"In aome parta of the country farm
era have to pay aa high aa II per cent
for their loana, and In other looalltlee
similar loans can he made at I per
cent. I'p to thle time little conedera
tkon haa been given to the pressing
need that exlata lu thla country
financial machinery whereby loana on
land the eafeat of all security iin be
mobilised and acoeaa obtained to the
wide Inveaunent market.
"Qsrmnny waa the flrat nation to
reallae the Importance of the farmer
aa the chief aupport of the nation and
to give him easy banking facllltee.
"in the united hta tee tha a rav
age acre yield la lsaa than aay
country, being 14 buebels. In
Fraaoa It la go bushels, la Oer
maay tt bushels, la England St
bushsla and la the Metkerlaaaa U
haa hale. The American farms pro
dnoe only M T-10 busbels of oata
par acre, while Germany prodnooa
An Intrlllaent . 1 for the future
atHtiiN of agriculture lu America, nnd,
cent., yet ll haa dccliired dividend of In ConaeqUOflca, of aoclnl ainl roonnmlc
per rcntd for the last 14 years. ! progress, demawdl thit well advised
HOW A FARMER 18 CARED FORl,n1 ' ' ,ak,n Nf-
rtu-- feci arrnnaemnta wherehv farmers, lo
IN OTHER COUNTRIES. flniince legitimate operational, may hnva
"France ha only ooe land morinm I eaa lo thn brnud, stendy security
concern where the Urgrat sgrleirtlumr "lrk" """ ,",,'M "n,v "vunlclpslltlea
credit la supplled-ih,. OodH K(mrl.r i an.l t;, large Industrial and railroad cor-
It groupa the various local banks to- ; ".,rtumitelv the necessity of having
gether and helpa in flnnnre them The cheap money to finance arlentlflc farm
Credit FV)ncler la nn Incorporated com- ! Ing Is widely recognLed. I loth the He
pany with a capital of law.om.oiin francs I Publican and Democratic national plat
The loans which the Credit Fonder ,or'"" "f v''fr vrrv Propertly rec-
make to land owners, for the mo . TtTl: f,?"! !S
part, run for long periods len to seven,
ty-tlve years, and are secured by mort
gage. "The long time loans are repaid In the,
form of an annuity arhlnh rovera the In.
tercet and partleil payment of the
aa a hs'l of legislation. It Is of the
first ItajpOPteVgCa that the widespread
lntereat In providing rredlt for Ameri
can fnrmera not only should not be per
mitted to diminish, hut ahnuld be wisely
directed along linen that will quickly
.n.l . IV , 1 , . - t. ..
'' "ie 'e r,,.,:v n,i inade.inate financing
of Interest which 11 holds, the Credit
Koneler rroates and Bella bonds t tint
have a very wide and favorable market.
Tha local mutiMil credit banks and the
regional bnnks secure tha greater pari
of their working capital from the State
In 1K1J the regional banka had a paid
up capital or llt.MO.ono franca, Htate ad
vance" anviunted to H0,400,000 franca
and deposits to 12.000,000 franca, other
countries of Kurope have developed
agricultural rredii aocletleB along lines
very similar p the .''.em ii and Uermsn
"1st AaeH-aa the farater, at range
to say, paya a higher rate of In
terest for hla moaey than almost
aay other elaaa of investor la the
oo entry, while In Bnrope the farmer
eecures loaaa on the same baala aa
the Biggest railroad, ladnstrlal eor
peratloa, or municipality. la spite
of vast areas of lead undeveloped
sufficient to maintain eonatleea
nmhera of people, yet we are com
plaining of the lncreaae of yrloee."
HOW UNITED STATES COULD
"BACK UP" THE FARMER.
"What would be thn mode of pro
cedure?" I asked,
"The great n"ej Is to establish nn out
let for mortgage and farm securities,
thus producing an International market
for them. There should lie a large ven
tral company with hanking privileges
10 aetl Its bonda at home or abroad with
branch companlra for Ihe collection of
mortgages and farmera' paper, these t
be turned to the rentral company with
guarantees. Thla would aeent a proper
sysum for Ihe I nllsd .stales, (if course
It requires large rapllal, but money has
usually heen easily found for all big pro
Jvcla In A no i a that there are good
rosperts of st -ess.
"Snrh a cinn nv. under the innn-
genient of puWtc spirited men, would
undoubtedly meet with success. lly
atabllslilng lower Interest ratee In th"
Mouth and Weat It coutd procure mo.e
BBfe and amnd mortaagea than It could
handle. An active market would de
velop for bonds al r, per cent In Amer
ica and 4 or V per rent. In Kurope.
"There are thlrty-atx land mortgag
banka for the Oerman farmer Thert,
ar joint atoek oompanlea not unllk
the great real estate bond and mort
gage cornpanlea of Naw York city.
Their bonds In clrcglatlon amount to
II, 1 11.000,000. The sxuet amount
holdings for farmera Is unknown. H it
It figures similar lo the Prusalan Can
tral Land Credit Hank. Thla concern
has a capital of t,U0o,000. It paggte
taxiugh agencies. It held In 110
about ll ,U0V of mortgages.
Twenty-four per cent, of these are on
farms. It has foreclosed but onoe tn
tan yeara on a farm. Its margin of
refit la only oae-Iourla of one per
of agrlrultural products that tha In
creasing consumption of the rouptry
has heen suppHed. Hhoutd present ooji
dltlona rontlnua It will not be many
years before we ahsll have to look to
other countries for much of our food
attpply. The contemplation of auch a
possibility forcea recognition of tha
pressing need for Improved cultivation.
Krance. rterrmny and other Muropean
countries are now far In advance of the
United Btatea In the Held per acre pro
durtlon of foodetuffa. In the Cnlted
fttatea the average yield of wheat per
acre la about U bushels, and In tho
"The statistics as to the production
of potatoes are particularly striking In
IMP France produced 1M bttahela of po
tatoes per acre. Uermsn HI bushels,
Roia IS bushela, and Belgium Rt
bushels. In 1111 the t'nlted Htatea pro
duced but at) bushels of potatoes per
aore and the Importation of potatoes
Into this country Is now assuming con
"The availability of cheap money for
loana on farm lands would stimulate the
ion ma of fsrms by many who now rent
land for cultivation. It would encourage
many engaged In other occupations to
purchase land and take up farming a.
a meana of livelihood. At the present
time U per cent of ell the farms of the
country are cultivated 1V tenants an
Increase of 11 per cent, since 1S00. The
cultivation of the soil hy owners la of
great Importance to the hlgheet agricult
ural development. Tenani naturally are
not a. much Interested In preserving
the vital nuaHrlea of the soil as are
owners. The selfish Interest of tenants
lies In getting all they csn from the
land during the years of their tenancy
with little thought of providing against
the permanent Impoverishment of tha
A democracy such ua ours reuutr
for lis iiermnnence a popular Intelli
gence of a high onler. The course of
Industrial development of Ihe
United States thus far has heen auch
as to stimulate the growth of urban
populations, partlnlly at the expenae of
he rural districts, nntll the over
crowding In our cltlee has become a
matter of serious concern. The pres
sure of population In the cities haa
mitertully lowered the etandaixl u,f liv
ing of large numbers of people whose
ability to participate Intelligently tn
the Induatrlal and political affairs of
the community Is thua greatly lessened
"Tha availability of virgin fer
tile land haa made the farmer
careless of their methods. But the
time bow has soma whea the
farmers must adopt methods of
cultivation that will yield tha
greatest amount oon el Stent with
economical production. Thar, are
atrstohss of unoooupisd land
awaiting and open to those who
have sahauatsd othsr land hy
wasteful methods. From this
time oa the problem of farmera la
to he how to gst the host rssults
from laad that haa been under cul
tivation perhapa for yeara. The
era of predatory cultivation la
'The 110 census clearly Indicated the
unsatisfactory status of agriculture.
The populaton of the fulled Htatea In
creased :i per rent, fruni ltsAJ to 11)10.
Within thla same period the amount of
land usesl fur farming Increased but 4,1
per cent. The Improved urea In farm
lands apparently made a heller showing
the increase lu tree ten yeara being 15.!
per rent.; but an analysis of the uses
to which this Increased acreage haa
tieen put shows that the lnrre&aee In
the area devoted to' the growing of food
products has been Insignificant and the
amount of land used fur the production
of wheat haa decrenaod. In 1!)0 the per
capita produetton of cereals wa only
W.l bushels: In 1HM It wss Ml buahrle.
ii decrv ne of over nine bushelB par
head In ten years.
"This increase by Itself would seem
adequately la explain the distressing
advan e In tie prices of food products,
ltet ween 1KH and WW the production of
cereals Increased only 1.7 per cent., but
their markot value was higher by 71.1
per rent. In 19u then In lHW-the In-
NEVER SUSPECTED KIDNEY
TROUBLE GAINED FIFTY
POUNDS IN WEIGHT
Some time ago I wa suffering from
what I supposed was rheumatism. I be
came so bad that I could hardly get on
my fret from a sitting position. I rsi
down in weight from IDS to MA pound.
I tried different kinds of medicine, but
received little or no help. I saw Dr.
Kilmer's Rwarap-lloot highly recom
mended for kidney trouble, but 1 never
bad any idea that my kidneys were af
fected. I thought I would try a fifty
rent bottle of Swamp-Root and see what
the effect would bo. I commenced tak
ing it according to directions and in a
few days I saw that it was helping me.
I used the fifty-cent bottle and then
bought three more dollar bottles, and
they completely cured me. 1 nave (one
back to my original weight 194 pounds
and I am a thorough advocate of Dr.
Kilmer's Swamp-Root, aa I believe it to
be a remarkable preparation for what it is
recommended to do.
WILLIAM H. PARTCB.
Naw Haven, Vt
Personally appeared before me thia 4th
day of September. 1109. Win. H. Partrh.
who uherribed the above statement and
made oath that the same is true in aub
taace and in fact D. A. ROLEAl'.
Justice of the Peace.
Dr. Kilmer It Co..
Binghamton, N. Y.
rravt What Susan-loot
Send to Dr. Kilmer Ik
Was Do for Yea
ton, N. V., for a sample bottle. It will
convince anyone. You will also receive
a booklet of valuable information, telling
all about the kidneys and bladder. When
writing, be sure and mention the New
York K veiling World. Regular fifty-cent
and one-dollar siae bottlea for aale at all
which would give considerable margin crease In tirlcn being forty-seven tmea
tor prottt. The large Uuropcan bond the Increase in (uiintlty. In 1900 there
and mortgage companies pay dividends was exporti d breaded stuff amounting
of 9 per cent and over a margin of
one-fourth of one iier cent, of !li.r
"New York City rompantea obt.ilrt
equally prontahle results on a worluog
margin of one half of one per rent
"Unfortunately, however, the
State lawa relating to trustee In
vest meats vary considerably. Theaa
would aeed be standardised to givs
full aeops for national operatloaa.
As aa indication of what ths Euro
pean market would develop It
might be mentioned that a banking
I'J.M.Oimi.iioo, by 1910 the value of auch
exporta had fallen 11:10.000.000 and Im
port! had Increased lm.noo.000.
"Theaa flg-uree are alarming.
Thsy ahow that ths Industry of
cultivating th soli la ths United
Btatea, relative to the increase la
pspulatloa and the augmented de
mand for food stuffs, not only has
failed to progress, bat has retro
tressed decidedly la the last tea
years. Onless there Is a substan
tial and rapid lucreaae la the vol
ume of produotlOB the United
EAI WITHOUT FEAR! NO SICK, SOUR,
GASSY SI1ACHJR INDIGESTION.
Uo some foods you rat hit hack last good, hut work liaillv, ferment into
stubborn lumps ami MUM a sick, sour, gussy liongebf Now, Mr. or Mrs. Dyspep
tic, jot this down: l'upe's Diap.pilg iligrste everything, leaving not hing to sour nnd
upset yuu. There wss never anything ao safely culpa, so c.-rtainlv effective. No
difference how badly your atoinurh is disordered you will get happy relief in five
minute, but what pleases you must is that it itfejAgtheni and regulates yuur
stomach o you run cat your favorite fiauls w il bout fear.
Most remedies give you relief sometimes they are slow, tint not sure. Dia-
pepain is quick, positive and puts your stomach in a healthy condition (o the
misery won t nuue hack.
! OBA1N TBUANOULSa) OP
MAKES DISORDERED STOMACHS
FEEL FINE IN KIVE MINUTES.
CURES INDIGESTION. DYSPEPSIA.
nuuimcsB, oak, hiahioiikn
LUGS WT QVKrANY DRUG 8T0R&
'ass as. set. ere.-
by Ankle Weakness
fulling arch, or "flat-foot,"
should be-nefit by the relief
that quickly follows the wear
ing of the Coward Arch Sup
port Hhoe, with Coward
An experienced orthopedist,
constantly at hand, aasures
correct fitting; of CowitD
Cewera Arch Support Bhee ess
ansae by Jesses s Cswers. In Ms
Custom Dept. Isr svsr 10 years.
Latest Autumn Styles in
IVomen's Tailored Suits
Special for Saturday
of fancy and plain diagonals, in the
fashionable colorings taupe.navy,
brown, also black handsomely
lined and warmly interlined
of chiffon broadcloths antl fancy
diagonals in all the new Fall color
ings. Many attractive styles, plain
tailored or velvet and braid trim
med, all warmly interlined
The English Rug Coat
Braid bound and velvet collar, one
of the smartest models in the new
60 inch coat. In all the newest
In navy, Oxford, light grey antl
brown. Some with collars and cuffs
and facings of plush, others self
A Very Practical Coat
For Street or Dressy tV tar
(Copy of a late foreign model.)
Of the new astrachan cloth, with large shawl collar
and deep cuffs of Opposum fur, handsome ornament
for aide fastening. Lined throughout with the best
quality of reau de cygne.
Ready -to- fV wr Hats
Special for Saturday
The Popular Velvet Hats
Large, medium and small shapes,
in an assortment of the newest
colors. The garnitures are wings,
ribbon, ailk, velvet, flowers and
ostrich; a few smart felt hats also
in the selection.
Broadway & 20th St.; 5th Ave.; 19th St.
BOLD NOWHBRB BLSB
JANES S. COWARD
164 274 Greenwich St., N. T.
i sa. e wtaaBB srasBT)
Mail Orders Hlllee iessler Catalogue
To-day is ths Srat day of registra
tion. It you do not rsgistsr you saa
aot vot. BstrietratlOB booths will
eyea at 7 A. at, attd slss at is a. M,
A Big Sale
Of Boys' Suits
Chinchilla Overcoats Worth $7.50
Suits with 2 Knickers Worth $7.50
The Overcoats are made from strictly all-wool
ChincUlUi with all-wool linings, Venetian yoke,
big velvet collars and belted backs; in Brown,
Blue, Light Gray and Dark dray. Splendidly
made and finished and full $7.50 value. Special
to-dav and to-morrow at the Four Brill Stores at
The Suits include Norfolk and double-breasted
styles. Every one with 4 pairs of Knickers, lined
throughout. All this season's new shades and
patterns in Brown, Gray, Olive and Tan thor
oughly well made antl finished. Norfolk Suits,
sizes 7 to 15. Double-breasted Suits, sizes 10 to
18. This is one of the biggest bargains we have
ever offered, and early buying is urged as we
expect an unusual demand for these Overcoats
and Suits at $4.95.
170 BROADWAY, near Chambers St.
57 COKTIsAHDT IT., near Crernwirh. llith STREET at Stl Ave.
UNION SQl ARK, Uth Street, Writ of Hruadaay.
Hmrhm Storm Open Evningt.
Special Values in
IVomen's Boots and
W alking and Dress 'Boots
Now marked $5.00 and $6.00 .
Evening and House Slippers
Now marked $5.00 and $6.00.
A selection from several lines of trimmings will be
put on these slippers free of charge.
Infants' & Children's Wear
Special Sales for Saturday
Girls ' Coats, 4 to 1 4 years
("onluroy, gibilines, chsviotl and mix
tures, plain tnilorod or drrssy models
Lined throughout with flannel, belled
Girls' Dresses, 4 to 1 4 years
Serges and plaids, Russian or belted
Dresses of Devonshire Cloth
Cloth box-pleated model, leather
Chinchilla Coats 2 to 5 years
Chinchilla Coats, all lined, box or
belted model. Grey, brown antl navy . .
Cashmere Coats, with Capes
AH linetl and interlined, embroidc ed or braid
$4-95 & $6.50
Children's Sweaters, J to 6 years
Plain or fancy weave,
$1.25, $1-95 & $245
Carriage Covers of Eider Wool
Hand crocheted, in plain or two-toned color effects,
$2.95 & $3.95
A Full Line of Inants' Caps & Bonnets
is being shown in Corduroy, messaline antl white fur
ut very attractive prices.
Broadway & 20th St.; 5th Ave.; 19th St. t
Cor. Warren St.
Tare Ureal Slorrs -
Near Drlggs Ave.
RY THE Ea4SY CREDIT WAY
and see what swell clothes we offer you
at low prices with very little down.
Ladles' and Misses' $22.50 New
FALL SUITS, $14.75
(iet one of these suits at $14.75 and you will lie gdtirijr ihe verv
ucm rowing miii any More na ever uttered tor
10 little money. These are suits dettaltd to
sell to women who appreciate the test styles.
Serges, Whipcords and beautiful mixtures. Ali
snaaes, all colors and all sizes
ALTERATIONS FREE. I
Ladles' and Misses' $30
Absolutely every one is high
grade. The finest grade of ma
terials In every detail. Finest grade
of linines. Tailoring thai ro , .u.-
the highest point of perfection.
lYYinrii vuu m-c mem you 11 atrree
'thev are the nwtt ssma.L.u.
twenty-two fitty values you have
ever seen. Alterations Free.
MEN'S SUITS, ,11J,..85
It makes little dilterence what you need a World Want will go get it.