VOLUME 10. JTCJMBEfblSfc
Tells Life Insurance Presidents That
The European Systems Gould Be
Adapted For Our Own Use.
FAYING TOO MUCH INTEREST
Says Farmers Each Year Faj $2S0,
000,000 More Than Necessary
Under New Plan.
MONEY IS HEEDED AT HOME.
Estimate $2,000,000 Should be Ex
pended at Once in Internal
*y XTnifA rvm*.
New York, December 5-^-The "Ru-
ral Credit" wanking System, which
has been investigated recently' in
Europe, at the direction of Presi
dent Taft, by Myron T. Herrick, Uni
ted States Ambassador to France', was
the subject, of, an address delivered
here today by Herrick, before the
Sixth Annual Convention of the As
sociation of Life Insurance Presi
dents. He spoke in part as follows:
"This subject of agricultural cred
its, while of great magnitude is real
ly after all not intricate.: .The opera
tion of the Credit Fancier.jthe Landa
chaften, the Raiffeisen, ._ and hun
dreds of kindred institutions for land
and personal credit, so eminently suc
cessful and lj&eneficial in their'results
in Europe, can be very--easily- ex-
plained. It is simply an application
of the story of the bundle of sticks
tied together,singly, easily broken
together, abie to withstand any" pres
very fact that your organ-
itatifii is turning its attention now
to tie solution of this questionas
saangr others are doing in America
u&eaw that we shall be successful in
Its s||bomplishment. The wide-spread
beneftt to be derived from this is so
great that it is almost past compre
hension, and one becomes impatient
(Continued on lsst page).
JAMES C. CHOPSEY.
Formr Htd of Nw Yrk
Poiic* Who 'jSMiv|ps Qaynr
Pboto by American jt-resa AMoelAtltm.
Cleveland 0., Defe The twenty
day" rabbit hunting season in Ohio,
which began November 15 and ended
yesterday, has cost nine lives. In ad
dition thirty-three haye been wound
ed. A large proportion of these have
lost an eye, a*'"rm,-:a'-hftha:
in the many accidents.
"Villages, municipalities, cities in
America are really a fungus growth
on the country. They are dependent
upon it for lifefor existence.
"The village, in order to maintain
schools, make streets, build water
works and lighting plants and other
municipal utilities, pledges the uni
ted credit of the municipality, the
the* security extending over long
periods. This is done by aid of legis
lation, which also provided restric
tions as to the amount of the loan,
etc. In other words, it is a financial
'set-up' created by legislative author
ity* and the result is magical in its
effect. As soon as this security is
created by uniting the credit of'the.
municipality, it becomes cosmopoli
tan in its nature. Instead of depend
ing on the home market, it has be
come current security in any money
centre of the United States at a low
rate of interst. "Were it not for
this legal authorization of the ar
rangement, it would depend on* Ihie
local market and necessarily little or
no' improvements could take place, or
at least it would be slow, cumbersome
and expensive. Inconsistent as it
miy seem, the result is that which
is an artificial growth on the country
has a broad and secure market,
while the countrythe great country
itself, which produces and is respon
sible for the existence of the villages
an.d the municipalities and the cities,
has a local and restricted- market and
insufficient capital to promote its le
"Every year the farmers is spend
ing something like $250,000,000
jnbre for interest than would be the
case if he were able to enjoy the
"1enfit of this system. This sum
which he expends in interest should
be applied to the development of the
country. It has been estimated by,
good authority that he needs immed
iately for legitimate development of
the soil more than $2,000,000.
-"The whole question which is now
being agitated is the creation of a
'set-up'a financial plan adapted
from European systems which wfti
finance our land at low rates of in
terest for a long time, and accom
panying that a system whereby the
personal credit of the farmer, by -an
arrangement similar to the Raiffeisen
system in Germany, may also "be
mobilized and put on a sound basis.
*It only needs the application of the
alert minds of the Americans to work
out and adapt these systems, for the
psychological moment has arrived
whdTlt is necessary for it to be done.
GIBBONS LOSES FIGHT.
By VnitAd PWMM., -f
New York, Dec. 5. Eddie Mc
Goorty was given a decision on
points over Mike Gibbons in a ten
round, bout here last night."- A rec
ord breaking crowd attended the
fight bu% became disgusted at the
tame-exhibition and began leaving.
the. farce during the .seventh rowaeL
CrTRISTMAS EXPRESS STICKERS.
The ^Northern Express company,
which is operated in connection with
the Northern Pacific railroad, has is
sued a booklet containing about twen
ty-stickers to be placed on the out
side of expressed Ghrisfcmas pacckages
which the sender does not wish to
have opened until Christmas day. The
sticker is printed in four colors on a
gummed label three by five and one
half inches and says "Christmas
GreetingsDo not' open until Christ-
BREWEEY GLEANING UP.
The Duluth Brewing company has
a crew of men at work cleaning out
the interior of the Rex hotel. The
work is not being done by A. A. Car
ter, as stated in the Pioneer last eve
ning. Mr. Carter supervised the
cleaning up of the streets and side
walks-a week or ten days ago but
the. work on-the interior of the build
ing is being done by the brewing com
pany with men from. Duluth.
...Mr. Carter says that there are
many calls a day asking if certain
trinkets are being found in th$. deb
ris but that most of the things taken
out are badly burned -or charred.
Anything, of value is being save.d by
the brewing company at their Be
WOODMEN ELECT OFFICERS.
Members of Bemidji camp 5012,
Modern Woodmen of America," met
last evening and elected the follow
ing officers H. A. Whitney, counsel
George Sterling, advisor H. N. Mc
Kee, clerk Fred Bursley, banker
John Breen, escort L. A. Ward, med
ical -examiner -J. P. Lahr",-manager
-William Garrison, watchman George
The Woodmen are planning'to give
a ball sometime in January. There
was much discussion of rates at the
meeting last' evening as several of
the members have no policies to show
for their membership since the recent
change made by the head camp.
CO GRACI E
'b a leg
New York, Dec. 5.-^-Colonel Arch
bald Gracie of Washington, one of the
last? passengers to leave the sinking
Titanic, died here today in a private
Colone luracie went down with the
vessel but on coming to the surface
found a life raft on which he after
ward helped others.
His: family is prominent in New
York, Washington, and Mobile, Ala.
Colonel Gracie was a cousin of Dan
Gracie of Bemldji. His escape from
the sinking Titanic was one of the
most thrilling incidents of the ocean I
tragedy that cost more than 1,3*0
lives. He was one of the many first
class passengers who refused to be
taken off in the boats of the liner,
and as he described it, he was on one
of the upper decks-when the big ship
settled. Near him were Major Archi
bald Butt and Colonel John Jacob
Colonel Gracie said he was thrown
into the water when the vessel tilted
upward just before sinking, and he
.was- drawn.down lyvth suction. He
was carried down more,than.a hun
dred feet, he asserted, and then was
suddenly shot up to the surface when
the Titanic's boilers burst.
As he came to the surface breath
less he found ^himself near a life raft.
There were'many other persons swim
ming close to it, and after assisting
several of them on "it he was lifted,
on himself, and later rescued by on
of the boats of the Carpathia.
St. Paul, fitet. 5.-Curtailment of
the number of house employes at the
coming suasion of the legislature, in
the interest of economy, is certain fcpt
be one pf- the features of tb^TedVgan
ization of the house" under Henry
Hin.es of Mora, whose election to the
speakership was made certain Tues
day by the withdrawal of his three,
rivals. The next session is going to
be a poor one for job hunters.
Rines prepared Friday night to
leave for his home in Kanabec county
Wednesday. He conferred for a short
time with J. T. Johnson of Fergus
Falls, who was himself a candidate
for speaker, but accepted the verdict
of the Progressive caucus that named
The new speaker has in mind a
fairly definite program of legislation
to be carried through the house dur
ing the winter, but he is not ready
to make it public.
RYBERG FOUND GUILTY.
John Ryberg was found guiltjr this
morning of running a disorderly
house on Second street. He was fined
$50 and costs and served a notice of
appeal. The mayor was present at
the trial in order to hear the testi
mony. Witnesses said that liquors
had been sold in the building at all
hours of the day and night and that
the girl inmates had been instructed
to "get out among the men and get
the money." Ryberg had a cash bail
of $50 up so that he will go free by
adding a few dollars for costs. It is
believed that action towards revok
ing Ryberg's license will be taken by
the mayor this afternoon.
WHO MARRIED JACK JOHNSON?
Chicago, Dec. 5Pastors and mem
bers of negro churches in Chicago
today are wandering who it was that
married Jack Johnson and Lucille
The minister's name was given
yesterday as Rev. H.. A. Roberts, pas
tor of St. Mark's Afro-American
Methodist Episcopal church. Today
it appears that the pastor of this
church is the Rev. John W-Robinso
who has never heard of Mr. Roberts.
None of the negro divines in~~Chi-
vtp_ kqgw anything of
BEMIDJI, MINNESOTA, THURSDAY EVENING, DECEMBER 5, 1912.
JUSTICE COSTS MONEY
Wickersham Says Expense for Pasti
Year Was $2,53*560.23 and
Showed Annual Increase.
ATTORNEYS ON COURT SERVICE
By Vattod ftNi.
L. -T.TTML WM*q SfilV^
convictions, csmina^and civil prose
cutions uridfep-'-the ^ine^man law,
frauds on the reyeniiei violations of
national banking laws the postal
laws and miscellaneous crimes during
the fiscal year ended JuneJlO, 1912,
have paid in penalties imposed more
than enough to support the entire
judiciary of i&e- "'United States, ac
cording to the annual report of At
torney General Wickersham submitt
ed to congress today.
Although the operations of the de
partment of justice,, the courts and
the government's legal machinery in
general, cost $2,532,560.23, an in
crease of $232,680,23 over that of the
year ended June 3ft, 1911, there was
actually collected and paid into the
treasury of the United States an ag
gregate sum of *2,749,070.15. This
reveals the somewhat startling fact
that, despite the desparate efforts of
the government crime, vice and illeg
al businesses have thrived.
The attorney general in submit
ting the report made a fervent appeal
for increased appropriations and
more drastic laws and increased au
thority in the administration of ju
diciary. He reviewed the work of
the department at great length and
in a most comprehensive manner, re
vealed the exact status of the Mo
tion's crime quashing machinery.
Among the most important of the
recommendations submitted in the
report today is placing federal at
torneys, assistant attorneys and oth
er officers under the civil service
rules. If congress will authorize this,
Wickersham said, it will develop the
highest efficiency in the ranks of the
"The expense of the year," said
Wicgersham,. "in endeavoring to en
force criminal liability under the
Sherman law has not been encourag-
The attorney general presented a
long tabulated list to bear out^this
assertion. Considerable attention is
given in the report of the govern
ment's efforts to safeguard water
rights the promotion of reclama
tion rights. He urges special con-
(Continued on la st page).
THOSE WERE THE HAPPY DAYS
Time Is Getting Short
Buy Those Christmas
CONSTRUCT POST MAB
Janesyille, Wis.,, Dec. 5.A post
road similar to those constructed by
Julius Caeser during his trans-Al
pine campaigns that he might more
speedily rush his legions to subdue
lawlessness among: the barbarian*
may be constructed in Iowa, Michi
gan, Wisconsin and Minnesota.
With Congressman"Warburton of
Washington, as the champion, the
"good roadsters" plan to get an ap
propriation from congress for a six
teen foot roadway from Lansing,
Michigan, through the states named.
It is proposed to pave the road with
a concrete base and virtolized brick
HOMESTEADER IS KILLED.
Word was received^ here at noon
today that William Haggerty, a
homesteader residing near Loman,
had died from a bullet wound
thought to have been accidentally in
flicted. John Christie, mail carrier
from Bannock to Loman found Hag
gerty dying in the road about two
miles south of Loman. Haggerty^trjed
to speak but was unable, to tell of
the accident. I"
From circumstantial evidence it is
believed that Haggerty tried to use
the butt of hi' gunras a club to
break through the ice for a water
hole_ JThe'lgun was discharged and
the bullet entered the breast above
the heart and came out the back,
tearing, a gaping wound through the
center of his body. Haggerty was be
tween fifty and sixty years old and
leaves a widow and four children.
Interment will be made in toman un
der the auspices of the I. O. O. F.
The Horrible Details O The Back tot Murder Bv
MANY AT CROOfSTON
Sessions of Northern lfinnesota De
velopment Association Attract
ing Men of Prominence.
THIS IS THIRD ANNUAL MEETING
C. Hodgson. .v?.
Address of welcomeSam Rosen
thal, president of the Crookston Com
ResponsePresident C. M. King.
SotoO. W. Peterson.
Address"Team Play," Dr. George
Appointment of Jbmmittees on cre
dentials and resoliKlosR.
.2 p. m.At thefNorthwestern ex
periment farm of the Uni\*psity of
Minnesota. Dedicatory services and
inspection of new buildings.
8 p. m.Smoker.
Address^Development of Minne-
sota," Fred B. Snyder.
The Program Tomorrow.
9:30 "a. m. Address "Trunk
Lines and Their Effect on the Settle
ment of and Market- Value of North
ern Minnesota Lands," G. G. Hartley*
10:30 a. m.Address"Minneso-
ta," James J. Hill.
Reports of committees.
Election of officers.
Selection of next meeting place.
"Plans for 1913" and their general
Special to The Pioneer:
Crookston, Dec. 5. Delegates to
the third annual meeting of the
Northern Minnesota Development
association began arriving here, last
night ahd all hotels were filled by 16
o'crocic"~this morning. W^ R. Mac
kenzie, secretary of the association,
came from Minneapolis yesterday af
ternoon and brought word with him
that J. J. Hill would be present at
both sessions. Louis W. Hill, W. A.
McGonagle of Duluth, and other men
high in Minnesota railroad and finan
cial circles are also attending the con
"Develop Minnesota First," prom
ises to become the slogan of this
meeting and special efforts are to be
made to shape the 1913 plans of the
association so that the efforts made
by this and other Minnesota leagues
will go more toward the developing
of Minnesota than the entire North-
(Continued.on last pan*-
TEN CENTS PER WEEK,
Meeting Held Mondny InJdWary Re
ntted 1M the Taking rf:Beiirte
Action for Poor ReBef.
FEW INDIGENT FAMOIE8 MERE
Are Estimated at Thirty W4tk HmkU
That Nutter Unfortunate
FUNDS ARE NEEDED AT MRS
Soliciting Committee Asks That Con
tributions of Money or Useful
_. Articles he Tvr&ed In.
In response to an invitation pub
lished in the Pioneer a few days age,
several people met at the Library
Monday evening and organized as as
sociation for charitable purpose*.
The following officers and commit
tees were appointed:
President, Mrs. Thomas McCann.
Vice-president, Rev. C. H, Flesher.
Secretary, Mrs. T. J. Welsh.
Treasurer, George D. Backus.
TrusteesMrs. R. F. Murphy, Mrs.
D. C. Smyth, Mrs. A. E. Wittiaaj,
Reverend Harris, and T. J. Welsh,
A committee of three was appoint
ed to draft a constitution and by
laws And is composed of E. 8. Mc
Donald, G. D. Backus and R. F. Mur
phy. They are to report
Mrs. E: H. Smith, Mrs. J. P. Hesk
nessey and Miss L. L. Beratan were
appointed a committee to solicit sufc
scriptions from the general public.
Mrs. H. E. Smith, Captain Helen
Reitz of the Salvation Army, and K.
K. Roe were appointed -a committee
to look into cases brought to their at
tention and give relief to-the same.
The meeting' and organization, is
the result-of what has generally been
considered a growing necessity for
some time past, in order that unified
action may be taken by those inter
ested in charitable-work. It will also
give many opportunity to donate
when assured that the donation will
be used in the most practical and in
telligent way possible.
Following is a communication re^~
ceived at-the Pioneer office from the
"Bemidji is fortunate in the small
number of families which are in need
of charitable assistance. Yet because
of. sickness and other things there
are about thirty families and about
sixty to seventy children, most of
whom are widows and orphans, who
do need assistanceand some badly
and at once.
"Because of the cases which need
Immediate attention and the- neces-
sary delay in perfecting the organ
ization of the association, Mrs. E. H.
Smith, Mrs. J. P. Hennessey and
Miss L. L. Berman we're appointed an
emergency committee to solicit funds
as soon aa possible in order that the
treasurer may be able to. meet the
demands of those where delay will
mean suffering from poverty in any
of its forms.
"It is the wish and intention of
those who have already Joined the
association to give the work as wide
a scope and make it as effective as
possible. It is their hope that the
response to the call for funds will be
as generous as a movement of this
kind is entitled to and that every
man and. woman will give, what they
can in money or useful articles and
not only give, but join the associa
tion and help with their presence
and counsel. If this is done, it is
the belief of those who are already
members, that the work can be made
so complete that every citizen in BK
midji can point with pride to the
fact that there are nb women,' chil
dren or- deserving men here suffer
ing for-want of food and clothing.
""The^a^es^who are soliciting wiH
probably not be able to meet one
fourth of the men and women who
will want to encourage this work and
may not be able to reach you, Mr.
Reader, but you are wanted. If you
will hand or mail to them or tito
treasurer, your contribution it will
be appreciated and some unfortunate
man/woman or child will be helped.
"There will be another meeting De
cember IS in the Library. Every one'
is invited to. attend.
"The Soliciting Committee."
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