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BANKERS ADVISE SOWING OF GRAIN I ? W Vri?O.M? L \ l iit? i. < i ?i ( um nnf TON ACKKA<*K Promise Farmer* Cooperation an<l \ssistance in Any Worthy Plan of Kelief. South Carolina Bankers' association. tu through its committee on agricultural development and education, of which the chairman is R. 1. Woodside of Greenville, has issued an open letter to t'..e farmers, advising them to "start now" toward curtailing of cotton production "by sowing all the cotton land to oats, wheat and other p small grains." "We would urge." says the letter, "the adoption o.f diversified systems r of farming and live stock raising. . . AVe offer our cooperation and assistance in any worthy plan which has for its object the betterment of our :arn> ing interest.-' Mr. Woodside is president of th-? Farmers and Merchants' bank ot Grenville and the Citizens' bank of rsaylors. Other members of the committee are : E. H. Pringle, Jr.. vice president, Bank of Charlseton, Charleston; A. E. Padgett, president Farmers' bank, Edgefield: J. C. Self, / Don].' rwf riroon ll'AA/1 P ! v aoJici, uaun. vuu, vjriccii" wood; Ira B. Dunlap, vice president and cashier, National Union bank. Rock Hill; J. Skottowe Wannamaker. preseident, St. Mathews Savings bank St. Matthews. The letter issued by the committee in the name of the bankers' associa UUii, is as ^ "The European war is forcing on our country unprecedented problems. m While these problems are coming to f all lines of business, it is especially W true to the farming pursuits in our ! O rm 1 r\ r* tt"V? awa v-U a f o v? w? ? V> a ?"? Ioi/u<,.u.iaiiu, >hulcic me iai mci i> iicive depended on a cotton crop as the one money crop. We are realizing now ps never before just how dependent we liave ben on this crop. Also we are realizing as never before how very essential it is to our farming interests that we do not depend on any one crop , as a ready money croro. f "Whilo it is evident that under the existing circumstances our farmers ere likoly to sustain some loss, it is also e^dent that by a forced change in methods of farming a greater prosperity will ultimately result to our farmers. It can foe seen also that by the adoption of a diversified system of farming we will be better prepared to successfully combat the cotton boll weevil pest which is rapidly covering the cotton belt. M "Many worthy plans have been suggested for temporarily assisting the i? T X -Ci. -11 AT x maimers, uui, aiier au, iwe permanent remedy lies entirely within the control of the farmer himself. We all know that supply and demand must control the price of any commodity. With a greater supply of cotton on hand than can be used by the cotton mills ' of the world under existing circumstanrps nur nnlv rp^nnrsp is thzt <v? t -curtailing of production. ^ Sow Small Grains. "Witn the view of curtailing the production of cotton some steps must be taken at the present time, and our committee would urge that the farmers of our State, as well as of other cotton growing States, start now by feowing all the cotton land to oats, wheat and other small grain. With this grain started it will be much ^ easier to carry out the curtailing. j "We urge that especial effort be made to gather the present crop or peas and save for next year's planting. It is certain that there will be an an-! usual demand for peas for sowing next year, '.wore iia,> must ue grown ior feeding cattle and other live stock. There is no better way of building up ^ and maintaining th* fertility of the soil than by tie raising of a certain ^ amount of live stock on the farm; and H certainly there is not be?tter way of putH tine' a sfnr> tr> thp foritirnrms drain rvn ! ?0 r the farmer's income for commercial t fertilizers. "Me-e and more attention is being i given to improving the quality and | increasing the quantity of corn pro-! duction in the State. Time and labor . can be saved and larger and more j M valuable crop yields can be obtained ; A by a careful study o: the question of ?f seed selection. It has been our obW servation that the farmer who grows bountiful crops of corn, together with other crops, always has ready money at his command. "Y/e would urge the adoption of di* versified systems of farming and live W stock raising. Greater prosperity is ! p assured the farmer who ceases to rely on any one crop as a money crop. "We offer our cooperation and assistance in any worthy plan which has W for its object the betterment o: our ! W farming interest." Only One "BROMO QUININE 5 I To i?et the crcrulne, call for full name, LAXATIVE V. WO: to f-UIXINE. Look for s-:g;iatureof K. V. G C\ : a Cold in One Day. S*.'>p? | cough. i_i ii.au.'L-.:., a:.u v/orxs on cold. .:c , M \HOO < \1 I S ()\ H \> hKKS TO roon-UATK n < !?!MS , >umN to CWan'ni: Hon>.<"? in Nt->\ York, Kosfon, < iiicairo ami S}? l.oni>. Washington. Sept. 2">.?-Secretary McAdoo today sent telegrams to t';e i chairmen of the clearing house associations in Xew York. Chicago. Boston | and St. Louis, complaining of high interest rates in those cities and appealjing for aid in remedyng trat condij tion. The telegram said: '*1 have received I complaints about the hig'.i rates of i interest which are being charged by I the national banks of New York, Boston. Chicago and other reserve cities. Jit is alleged that the New York banks [are requiring their correspondent ! banks throughout the country to pay I T per cent. :or loans and to maintain ja balance with the New York banks, which makes t':.e money eoct the correspondent banks the equivalent of S per cent, or more. Specific cases '.ave been brought to my attention where banks in cities of the South have been I ~ J a ~ ?.. i. liequ.iL'U tu ?> X> wiusv 111511 niitricou 'rates. Touches Whole Country. "If New York charges the e^uivailent of 8 per cent, interest to the c-ori respondent banks of the Sout'.1.. these i Southern banks must, in turn, charge a still higher rate of the small banks. ! which are, in turn, their correspon! dents, thus making the money cost i (the ultimate borrower very high if not i exorbitant rates. From all the evidence before me 1 can not feel that : the charge of 7 to S per ccnt. interest by the Xew York banks is justified in the circumstances. Within the past six weeks 1 have approved the is suance to the national banks of Xew j York city of more than $140,000,000 : of new or additional national bank ; currency. This was done for the purpose of helping the situation generally, j 1 have taken the position with all the ; banks of the country that I will not .knowingly issue additional national ! currency or deposit governm *>t .unds j ! with hanks wtaich charge e~ essive, I rates of interest or whic'J are refus- j ing to meet legitimate demands for! ! credit. I have also taken the posi- i i tion that I will withdraw government deposits from national banks which | are hoarding money and restrictng credits througn the maintenance of excessive reserve. Not Generally Done. ! "The New York banks generally j have not been "hoarding money or j maintaining excessive reserve, but they appear to be charging higher j rates of interest than conditions seem I to justify. I am using every just eff a f a Ko n Ire f V? r*r\ 11 rrV* ah* ! ivi l \.\s ygi ouauc tuc L/a.nx\o luiuuguuui j the country to extend reasonable credit and at reasonable rates of interest to meet the existing unusual conditions caused by the European war, which if dealt with in a helpful spirit by all concerned, should quickly ameliorate. I should like to see the Xew York banks take the lead in establishing and maintaining moderate rates of interest for accommodations, as their example always has a large influence on banking action and senti nient in the country. "If this course is pursued by the leading banks in New York and other great money centres, a real public service will be rendered and a Teturn to normal conditions oi business will he quickened. 1 have been using to the utmost every power of this department to assist the general business situation and the banks and I ask only for cooperation on the part of the hanks in an unselfish and pa triotic spirit. Secretary McAdoo tonight made public a list of nearly 250 national , banks outside reserve and central reserve cities, w^icli are carrying re- j serves in excess of legal requirements. The list shows that reserves in these banks run from 25 per cent, to 74 per cent., the legal minimum being 15 per cent. li, said Lvir. ^lCAaoo, m a statement given out with the list, "the \ large amount of loanable funds that j are kept from active employment, as , indicated by these figures, was in-. vested in commercial or agricultural \ paper or loaned on proper security the ; present situation would be greatly re- i lieved." \ The secretarv's statement referred i to the list as showing "some of the national banks carrying excessive re- : serves, and in it was understood tonight further lists would follow. Secretary McAdoo's list, showing j ir:.e precentage of reser carried by ' each bank, includes: South Carolina?Central National ; Cnorfonhurof npr /"-ont i V-UliUUl VV&AV* Georgia?National Exchange, Augusta, 36 per cent.; Third National, I Columbus, 62 per cent.; City National jDawson, 46 per cent.; Jackson National, 67 per cent.; First National, (Lyons, 33 per cent.; La Grange National. 64 per cent.; Atkins National, Maysville. 2D per cent.; First National, Rome, 23 per cent.; Exchange ' Xiitioiia'. Rome, ZZ per cent. i 1'a" " '' iii :j"-;*j $?sBsass :;:j m Isnss$g . i:i SKS^\.W\^ ; X U.I I I i?yvyun v 11 ! AH Your Dh t I And one fourth ! j| bought before. Othe ! | sixteen ounces of the S In POWDERED Lye, R teen ounces for a dime, agains 11 give^ou. Mendleson'i is pure Ly 11 It goes farther/does more, la Every can warranted full stren Mendleson's Twenty-Ounce Ca cans in soap making. It saponifies the best hard or soft soap you ever i for getting- best results. MENDLESt MOST ECt > * One of the handiest articles fo best cleanser and disinfectant. 1a away dirt and grease; kills disease gt ture. Remedy and conditioner for b i A use for it every day. ^ i i Get better value for your dime Mendleson's Concentrated Lye at or II WHGLESAL i A J. W. Kibler & C< IB RETAIL I G. W. Thompson Cash Grocery Co . W. P- Derrick & Co., J, G? Setzler, aAelWATCHE5 yrrr\ I /T?\|l AND mm i 11 ! I Elgin in Nickel Cas< Elgin in Twenty Ye Waltham in Nickel Waltham in Twent} p. c. jeans & c( Repairing ; All Work ^aaranteed OEannBBKanaBnnnnigwHBBBi Florida?First National, Arcadia, 30 per cent.; Citizens and People's Na- j tional, Pensacola, 28 per cent.; National Bank of Commerce, Pensacola, 49 per cent.; First National, St. Apgustine, 27 per cent. WELL BULL CBTTOX ? ' o American jlvd?cco b uu;-?? i bale" Offer Helps Merchants in Southern States. Special to The Herald and News. New York, Sept. 28.?The American Tobacco company is to lend its powerful support to making t!be "buy VV/l U\S A*. iVAVU. M WV.WWWV. plan evolved by the tobacco company | will greatly help the cotton situation ( in the South, while at the same time stimulating trade through the Southern States and so esta/blishng confidence in the South's continued prosperity. Jn a letter sent to its customers, 1 ^ TT.'ii : J . J? rri?^ rercivai &. tim presiueni 01 me i American Tobacco company, makes the following offer: "We will purchase. at ten cents a pound, as many pounds of good middling cotton from j eaeM of our customers in the above ! named Slate.-, as the aggregate 1111111.- ' b< r o. pounds of Red J. and Penn'?j 1 I 5 . ' ' ? -V*." \r-?? >' -?> . ! HESMlill T'-- ; ;r^v ^ ^ |i i * > i if- V i .? : ^ ^ ^ " p||li??|3 I I ^ yf* r--rr=TJ) . <y*^ ^w^&SS? DLESOl^g I ! NTPATP j* I 'M-& -*-*&??&tt&XSft&A&i & 3r me Can Buy more than it has ever j :r cans give you only || iolid Lye for your dime. /lendleson's can gives you sixt the twelve that some others i i | without fillers or adulterants. sts longer than any other Lye. tgth,, Three cans for a quarter. in beats the best records of other dime eight pounds of grease, and gives you lsed. Every can gives full directions ON'S L YEVNOmCRL r household or farm." Cheapest and saves floors sweet-smelling. Drives :rms; fine for cleaning kitchen furniogs and useful in the care of poultry. by buying the Twenty-Ounce Can of iy of the following dealers: E DEALERS: >., Newberry, S. C. 3EALERS: l, Whitmire, S C. q r y A lUOp^HIJ) %J Vt Little Mountain, S. C. Whitmire, S. C, Your Waich Taste! can be suited perfectly here. Do you want a good timekeeper that is not expensive. We can sell you TTIoriti nr Walfliam. re U 11 Jt?4 V* ?f ? ? - ? ? liable a time keeper as may be found or any other make'that you may prefer. e $5.50 and up. ar Case $10 and up. Case $5 and up. r Year Case $9 and up. 1MPANY Jewelers I / iU& AAA 1 A ^ No Charge for Engraving B Natural Leaf plug tobacco, Bull Durham and Tuxedo smoking tobaccos, and Sovereign cigarettes (counting pn^h thousand of Sovereign cigarettes as equal to five pounds of tobacco), shipped direct to sucli customer from September 29, 1914, to November 30, 1914." Tbis letter was sent to dealers in Alabama, Arkansas, Flordia, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee and Texas, so that the beneficial ef :ects of this plan will be far reaching. I Mr. Hill gave out the following statement: "It is our plan/to render uniform help to our customers in all cotton growing sections. The brands on whicti we make this cottonbuying offer have such a large sale throughout these sections, that we estimate 10,000 bales of cotton can be bought by our company under this plan. By offering to buy cotton from its Southern customers the company feels it is rendering a service to the territory' which deals largely with it, and is also making a sound financial investment." For Weakness and Loss of Appetite The Old Standard general strengthening tonic. GROVJi'S TAST-T.FSS chill TONIC, drives out Malaria and > v" Is : > sy 'e:r. A trne tonic Aadsure Ay;-.-r. Per audits and chiJOrea. 50c ' I i I FavJ Tn JL U1 %A A ii; ! Do you war C f If you do trade ar?r] r UliVt ? i i I j I bought my gooc fortunate in getting t Therefore, the war will I will give my tradi i cost. Remember, I give v I I ! I i m i TOT7rTirrT7TD rmnriQ ULj 1 1 U?\ | Mayes'? The House of c I f ^j |TrrrWT1T.r''l.J'" -I.I JIIOW |F ( I , I will give ' I * nnnnrl fnr ton to settle counts. Brii along boys ai anyway. . r* * l 5. J. J Prosper / I I 11 'Telephone Sa? One of the children an Alabama farm and wa apparently lifeless. The the telephone and called He told her what to dc before he arrived the ch The protection of w one ot the chiet values farm. ! You can have this ; the nearest Bell Telepl postal for our free book FARMERS' LIN] SOUTHERN BELL T AND TELEGRAPH | diiirinor f!a v9 it this Touring !ar? at the Book Store jet votes a Is early and have been very hem at the same old prices, have no effect on my prices. 3 the benefit of the extra otes on the auto. FOR SAME MONEY Variety Store I i Thousand Things :ent TON Ten Cents per Middling Cot* Guago acj 1 g your cotton * - 1 . id get straight 'i k ity, S. C. ed Child's Life . fell into a water tank on s rescued unconscious and i frantic mother rushed to the doctor six miles away. ) and started at once, but ild was out of danger, omen and children is only of the telephone on the service at small cost. See lone Manager or send a let. n TAT7 C A DTMITVT ?j LJEjL niv A xrxx^x i JL ELEPHONE COMPANY WSy? 7HU' iJ: -r' " *rSf