OCR Interpretation


The Pickens sentinel. (Pickens, S.C.) 1911-2016, August 10, 1916, Image 6

Image and text provided by University of South Carolina; Columbia, SC

Persistent link: https://chroniclingamerica.loc.gov/lccn/sn93067671/1916-08-10/ed-1/seq-6/

What is OCR?


Thumbnail for

Thc Fcdcral
Synopsis of Its Sal
by H. M. Hanson, Se
Mortgage Bankers'
FEDERAL FARM LOAN AC
'Passed by the House of Representa
tives and the United States Sen.
ate June 27 and 28, 1916,
Respectively.
Signed by the President July 17, 1916
3.-l'rovides for 1a f',b";al land bani
systern In the cont inent i 1'ii ted State!
(exclusive of Ais!ka). 'lividing thi
eulntry into twelve ba bruik dlstriet
- .oiposedt of whto1le) states.
3.-The systell is operated as a biu
'zeau of' til I ted staites treastury de
:partment 11nd41 s ristied by the fed
-aral farm loan board. The secretaor.
"ot the trasury Is ex-ollieio clairmuai
-4t the board with four other members
--appointed by the presidelit for eight
years at an annual salary of $10,000.
"One member Is designated farmn loan
-commlssloner and Is the active execu
Zhe offleer.
3-Appointees of Board: (a) Farm
loan registrar for each land bank dis
4rict and
(b) One or more land appraIsers for
-"mch hand bank district. Salaries paid
by federal land btatil or joint sto'k
Sand bakil for whilch they iet.
(c) Land bank exaitiers; salaries
Paid by he United Statt's.
(d) Attorneys, expert s, nssistiaints
'and oth ert etjploykees to Ie i)1ild by tihe
United States.
17.-Powers of the Board: (a) To
orgai.' anilmlri t rt eerni landl
banlks, Jolnt siu'k h.ba nk ieiiis aind tin
tionlal 1'ar r 4t1:t1 assovcia tio ins.
(h) To review inti alter t be rate of
Intetrest t hoe harged by fed eral lan d
bunks for loas.
(W) TO oapp r r reject any or all
loans for loetd issue ant1d to grant or
refnse a3 peef issuet of f arm loan
boids of federn al ld banks and jolit
stock land banks.
(d) To regulate charges for ap
praisal, examnining titles and record
. Aug.
(e) To appaIlse lanid securing mort
"gages for bond issue.
() To exercise general supervisory
autheirity over the federal land banks,
ftarm !oan associations and joint stock
land blnaiks.
30.-The farm loan commissioner
'shall examnine the laws of every state
and If on exanttInation the laws of alny
tste are shown to aitord Ilsufficlent
protectlei to holders, Its mortgages
shfll be d eled lielgible under this
act du 1i 0 he cotnt~liunce of the laws
secretairy of tle treatitry is
authiz,"I to ieplosit I-iited States
funds In i-deral hild banks tat current
go vermaent r111-s of intereist. the fg
gr'Tea I f suh foiti not to exceei
$600Mat any on ace 'Ilmte.
FEDERAL FARM LOAN BANKS
ORGANIZATION.
.Sectiona 4.-- -nie ini eaeh lan id bank
dist rict. ib'aniches per'tuaitted wi tin
its dlistrItet. a ilh'ers: IPresidient, vice
*presidentc, secr'etar iy andie tr'easurerea - dI
retr:six r'epr'esemaia o of fm'mi
loan HssocIations tuta thrteet represent.
lag thle pubalic literegst. At torn'eys, as
*(santts. ~eperts attie]d o' eupldoyees,
.Al I salanries9 fixed by farmt~ loant board
-and ;:nid by batik, Subject to senilati
enje~ tneinatic.,. by lhun batnk exam.
CAPITAL STOCK,
Sec. 5.-$750.000. Min y be Oned b
nl~uted States andl state governmtents.
-iN.~ r.-shn r-es, $5 eaceh.
*ee- 5.-Atl stock t'ematinilng unisub.
books~ tire opb4eed shll lbe subsrih~let
by the UnIted Staites atnd thereaftet
Only the Unitedt States gover'nmentt atu
-)orrtowers may iiequltre shaires of stock
-Sec. 5.-Ute1d States governmeni
-not to p~articpte in diidaendls. Al
-other stockholdheri shiar'e dlvidendu
-equally.
-shall be gradually retire'd after the
stock held by farmta loaan asselatioi
shall amoutit to $75t0,000.
See. 5.-Not less thatn 5 per een
of capital shall be invested In Uiltet
States governmaet beonds.
POWERS.
See. 13.-To buy larst fairm nmort
~gages wIthin its, dlsttrict and to Issu1
and sell farmt iotanI bods.
See. 18.-To re~ceive fr'oma farm loni
- Associations iterest and amao~rtlztioi
vaymentsa on mortgages and fairtm loal
bonads.
Sec. 1.-To acquire nnd dispose o
real and per'sotnal p~roper'ty niecessar
'for the Convenient transaction of buas
nless; and Iland taken in sittis9faction o
debts or p)urchased tunder jtudgmaente
decrees or mortgages hlcd by it. Shal
Slot hold title exceeding d~ve years.
Sec. 13.-To accept deposits of 64
~urities or current funds from inembE
aslsociations but pay no Interest tje194
- *c O-~~ bortow money 'r$,
uit &f4 ay~ ltelsest theteen,
"4~ ~1'~.'~ bly .d dI 'Vafte
Farm Loan Act
ient Features Prepared
pretary-Treasurer Farm
association of America.
r or be made part of loan and paid in
amortization payments.
Sec. 14.-To accept mortgages only
from farm loan associations and ap
proved agents.
Sec. 14.-To accept deposits of cur
rent funds only from its stockholders.
Sec 6. -To become financial agents
of United States government and de
pository of public money. Publc de
iosits eninnot be Invested In inort
gages or farm loan bonds.
Sec. 13.-To deposit its securities
aid current funds subject to check
with i a in member bank of the federal
reserve systei and to receive interest
tIIreoni.
BONDS.
Sec. 2.-Issued in series of $50,000
or more. In denomInations of $25, $50,
$100. $500 and $1,000.
Sec. 20.-May bear a maximum rate
of 5 per cent Interest per annum.
Sec. 19.-Mortgages ' and United
States government bonds equal In
amount to the farm loan bonds issued
are retained as collateral security by
the land bank registrar.
Sec. 14.-The outstanding farm loan
hnds shall not exceed 20 times the
enpital and surplus.
Sec. 21.-Shall be guaranteed by
bank of issue and all other federal land
balkls.
Sec. 17.-No Issue is authorized
without the approval of the farm loan
board.
Sec. 22.-Substitution of mortgages
anid United States government bonds
held as collateral to farm loan bonds Is
permitted.
TAXATION.
Sec. 20.-The capital stock, sur
plus. mortgages and farm loan bonds
aid all Income derived therefrom are
exempt from federal. state. municipal
and local taxation.
Sec. 26.-Real property taken and
held under- the provisions of sections
11 and 13 is not tax exempt.
AGENTS.
Sec. 15.-Incorporated banks, trust
Compianies, mortgage companies or
chartered savings Institutions may act
as agents for federal land banks if no
farm loan association has been formed
In a given locality after one year.
Sec. 15.-Borrowers securing loans
through agents are required to sub
scribe 5 per cent of the loan to the
capital of the federal land bank.
Sec. 15.-Agents are entitled to a
commission of one-half of I per cent
per annum on unpaid principal of each
loan they negotiate and the bank shall
pay agent for actual expenses for ap
praising hand. examining titles. exe
cuting and recording tile mortgage pa
pers which shall be added to the face
of the loan.
Sec. 15.--Agents shall indorse and
b~ecome lIable for the payment of thle
loans they negotiate anld the aggre
gate unpiaidl prIncipal of such loans
shall not exceed ten times the agent's
capital and surplus.
Sec. 15.-Agents are required to
miake good any default witin 30 days
after notice.
Sec. 15.-All collectIons made shall
be remitted without charge.
SPECIAL PROVISIONS.
Sec. 22.--Amortization and other
payments constitute a trust fund to be
invested as follows:
(a) To pay off maturing farm loan
bond1( Issues.
(b) To purchase farm loan bonds.
(c) To lend on first farm mortgages
within the district. '
(d) To buy UnIted States govern
Sec. 28.-Reserve and divIdends: No
liilt Is placed on dividend distributions
after a reserve account has been bulit
up fronl earnings equal to 20 per cent
of the capital stock and' after 5 per
cent of the net earnings annually
thereafter are added to the reserve ac
count.
Sec. 28.-Reserve funds to be invest
ed as prescribed by the federal farir
loan board.
Sec. 27.-Farm loan bonds are lawful
Investments for fiduciary and trusi
fundis and security for all publIc de
posits.
Sec. 27.-Federal reserve bank may
buy and' sell farm loan bonds.
Sec. 20.-Provision is made for die
solution and the appointment of a re
celver.
Sec. 14.-No commission or charg.
not specifically anthorized in this acl
shall~ be demanded .' received.
NATIONAL FARM LOAN ASSOCI
ATIONS
ORGANIZATION.
. SectIon 7.-Ten farni 'owners deslr
lng loans aggregating $20,000 or mor
may fornm such an association.
eec. 7.-Its affairagre admini terst
Iby 0ve. dlre4tloag incibding pres det
'Vtc4 president and p loagp c n(nmee o
'tb(eo serving without compens ios
" M'a eretary treasurgt* wlt ~al
b&th*' fttn loan bot1 ,an'
the capital stock of the association
which in turn subscribes an- equal
a millount of stock in the federal land
bank.
Sec. 8.-Shares are paid for. in cash
or (0) the amount may be added to the
face of the loan and retired ii amorti
zation payments at par. In such case
the face of the loan shall not exceed
the 50 per cent and 20 per cent lim.
itation.
Sec. 7.-Assessnent on shares may
be levied for operating expenses if
funds are not otherwise available.
POWERS.
Sec. 10.-'To appraise land for mort
gage through its loan committee of
three.
Sec. 11.-To indorse and become
liable for the mortgages of its share
holders.
Sec. 11.-To receive and deliver the
proceeds of loans to borrowers.
Sec. ll.-To acquire and dispose of
property necessary for the convenient
transaction of its business.
Sec. 11.-To issue certificates of de
posit for not longer than one year and
to pay 4 per cent interest thereon.
convertible Into farm loan bonds at the
federal land bank of Its district.
Sec. 7.-To reev" and transmit to
the federal land bank payments of in
terest and principal and amortization
payments.
LOANS.
Sec. 12.-Loans shall be secured by
first mortgages on land within Its land
bank district.
Section 12.-To run from 5 to 40
years with amortization and with ad
ditional optional prepayments after
five years.
Sec. 12.-Interest on loans shall not
exceed 4 ner cent per annum on the
unpaid principal.
Sec. 12.-Borrowers shall pay 8
per cent simple interest on defaulted
payments.
Set-. 12.-Loans may be made for the
following purposes and for no other
under penalty:
(a) To purchase land for agricul
tural purposes.
(b) To purchase equipment, fertil
izer and live stock for the operation of
the mortgaged farm.
(c) To provlde buildings and for the
improvement of farm lands.
(d) To pay debts existing at time of
organization of the first national farm
loan association within the county.
Sec. 12.-Maximum loan $10,000;
minimum loan $100.
Sec. 12.-No loan shall exceed 50 per
cent of the value of the land mortgaged
and 20 per cent of the permanent in
sured Improvements.
Sec. 12.-No loans shall be made to
any person who is not at the time or
shortly to become engaged.,in the culti
vation of the farm mortgaged.
Note.-All applications for loans
originate with the national farn loan
associations or agents and all loans are
made and closed by the federal land
banks. This does not apply to joint
stock land banks.
TAXATION.
Sec. 20.-Samie as applies to federal
land banks.
SPECIAL PROVISIONS.
Sec. .-Associations may retain as
.commission one-eighth of 1 per cent
semiannually froi interest payments
on the unpaid principal of loans.
Sec. O.--Asociations may borrow
from federdl land banks at 0 per cent
annual interest up to one-fourth of its
total stockholdings in said bank.
Sec. 24.-lteserves and dividends:
No limit is placed on dividend distri
b)utionls after the reserve account, built
up from net earnings equals 20 per
cent of the capital stock and after 2
per cent of the net earnings annually
thereafter are added to the reserve ac
count.
Sec. 25.-Defaults must be made
goodl within 80 days after notice.
Sec. 20.-Provision is made for dis
solution and the appointment of a re
ceiver.
JOINT STOCK LAND BANKS
ORGAN IZAT ION.
Section 16.-A private corporation
subject to the requirements under this
act which may be formed by ten or
more persons with a board of directors
of five or more.
Sec. 10.-Maay operate within the
state in which its principal office is ho.
cated and within some one contingu,
ous state.
Sec. 28.-Subject to semiannual ex
aminations by the federal land bank
examiner.
CAPITAL STOCK.
Sec. 10.-$250,000 mianiu.
Sec. 10.-Double liability of share
holders.
Sec. 1.-The United States govern
meat shall own none of the shares of
stock.
Sec. 10.-No farm loan bonds can be
issued until. the capital stock is fully
paid, although the bank may begin
business wvhen one-hnlf of the capital
is subscribed andl paid in cash.
POWERS.
Sec. 16.-To iendi money on farm
mortgage security.
Sec. 1.-To issue and sell farm loan
bonds.
Sec. 1.-To issue farm loan bonds
up to 15 times the amount of its capi
tal and surplus.
Sec. 16.-10xcept as otherwise pro
Svided it hans the powers of and tis sub
.ject to the restrictions imposed on
Sfederal land banks.
PRIVILEGES.
Sec., 1.-Mlay lead more thami $10,O0
to any one borrower, but not Ai#Fnd
-50 Der cent of the valnye Wf 'tR - e
the purposes prescribed for aatjonaI
farm loan assocIations.
Sec. 10.-Loans may be' made to
farm owners regardless of whether en
gaged in cultivation of the land mort
gaged or not.
Sec. 10.-Interest on loans shall not
exceed more than I per cent, the In
terest rate established for its last series
of bonds, nor more than 6 per cent in
any case.
Sec. 10.-Commissions or other
charges not speciflcatly authorized by
this act shall not be demanded or re
ceived.
BONDS.
Sec. 20.-Issued in series of $50.000
or more, in denominations of $25. $50.
$100. $500 and $1,000.
Sec. 20.-May bear maximum rate of
0 per cent Interest per annum.
Sec. 10.-Bonds shall be so engraved
as to be readily distinguishable from
federal land bank bonds.
Sec. 19. - Mortgages and United
States government bonds equal in
amount to the farm loan bonds Issued
are retained as collateral security by
the land bank registrar.
Sec. 17.-No issue is authorized with
out the approval of the farm loan
board.
Sec. 27.-Federal reserve banks are
authorized to buy and sell the bonds of
joint stock land banks.
Sec. 22.-Substitution of mortgages
and United States government bonds
held as collateral to farm loan bonds is
permitted.
Sec. 27.-Its bonds are lawful invest
ments for fiduciary and trust funds
and security for all public deposits.
TAXATION.
Sec. 26.-The capital stock, surplus
and earnings are subject to the taxing
powers of the state.
Sec. 2.-Its mortgages executed un
der this act and its farm loan bonds
and all income derived therefrom are
exempt from federal, state and munic
ipal and local taxation.
Sec. 20.--Real property taken and
held under the )rovislons of sections
11 and 13 is not tax exempt.
SPECIAL PROVISIONS.
Sec. 0.--Joint stock land banks are
made public depositories and funancial
agents of the United States govern
ment.
Sec. 0.-Public deposits cannot be in
vested in farm mortgages or in farm
loan bonds.
Sec. 16.-Rates of interest for loans
under 6 per cent are not subject to
review or alteration by the farm loan
board.
Sec. 13.-Shall receive no deposits
except public deposits.
Sec. 22.--Amortization and other
payments constitute a trust fund to be
invested as follows:
(a) To pay off Its maturing farm
loan bonds.
(b) To purchase farm loan bonds.
(c) To lend on first mortgages with
in Its prescribed field.
(d) To purchase United States gov
ernment bonds.
Sec. 23.-Reserve and dividends pro.
vIded for as in the case of federal land
banks.
Sec. 29.-Provision is made for dis
solution an(l the appointment of a reA
ceiver.
THIS .DEALER HAD REAL TACl
Stout and ThIn Customers Use SpecIal
Mirrors In Wearing Apparel
EstablIshment.
A dealer In wearIng apparel, noticing
that hIs stout customers and his very
thin customers oftedi were sensitive as
to their figures, installed two full
length mirrors of special design, says
Popular Mechanics magazine. One was
slightly concave and the other slightly
convex. When a saout customer tried
on a suit she wvas led to the concave
mirror for self-inspection, and was able
to see her figure as It would appear
with its measurements reduced. When
a thin person came in to try on clothes
she was taken to the convex mirror,
where the Opposite effect was pro
duced.
Only Moistened HIs Lips.
Omer Scudder, a Columbus real es
tate and Insurance agent, told some of
the other business men who have of.
flces in the Bassett building that he
was hot. They agreed that they were
just as hot as he was.
"I can eat all the ice cream you
fellows are willing to buy," Scudder
declared.
The others made up 00 cents and
sent out for a half gallon of cream.
They had a notion that Scudder would
eat about a quart after wihch they
would divide the remaining quart
among themselves, Scudder surround
ed the entire half gallon of ice cream,
smacked his lips and asked them
whether they were not going to - get
him enough Ice cream for a real taste.
The business men looked at each oth
er, smiled sickly and returned to their
places of business, -- Indianapolis
News.
The Three Pitilosophere.
1Por the dirst time in .their lives
three genuine, aimon'pure ' phIl~s
ophers went out ridingin mptor care
A fter they had riden - i tWenty
miles out in the eduntt the car broke
dlown. Said the dfli !!~osopher: "I
have long wanted to ady: 'ertain e.
pets of nature, ands his affords me
the particular prospeot 'I most ad
ilre." Said the *econd philo$ppher:
"I observe these Is a4* Ohe ovver
there whete fdod csa > T be hb
tained in suielt d ~id
the third pblik 6t o ong
TOBAGCO MARKETS
OPEN FOR SEASON
BRIGHT 'PROSPECTS IN SOUTH
CAROLINA BELT FOR
FARMERS.
WEED BRINGS GOOD PRICE
Growers in Many.Sections Have Reas.
one For Rejoicing in First Sales
of the Season.
Columbia.-Opening' for the season
with bright prospocts, the big tobac.
co markets of the Pee Dee section of
South Carolina began operations
August 1 for 1916. Something less
than a million and a half pounds, ac
.cording to reports, was -'sold, the
weed bringing very good prices.
Prices paid ranged from 4 cents for
the lowest grade of "sand lugs" to the
high mark of 60 cents a pound for the
best tobacco gathered and cured be
fore the storm which recently swept
the 'Pee Dee section.
Sumter repof'ted 100,000 pounds
sold; Timmonaville, 200,000; Harts
ville; 106,000; Darlington, 100,000;
Marion, 50,000; Lake City, 224,000;
Conway, 125,000; Aynor, 65,000; Loris,
75,000: Kingstree, 125,000, and Man
ning, 75,000.
All signs, according to reports from
the tobacco markets, point to a sum
mer of good times in the Pee Dee,
with high prices for tobacco making
up for the destruction caused by the
recent storm.
Delegates to Road Meeting.
Columbia.-Commissioner Watson,
at the request of the governor, has
appointed delegates to the convention
of the Southern Appalachian Good
Roads association in Lexington, Ky.,
September 5-8. The delegates named
are: LaCoste Evans, Columbia; Thad
C. Coleman, Whitmire; Paul V. Moore,
Spartanburg, Dr. R. H. Smith, Glenn
Springs; C. 0. Hearon, Spartanburg;
W. F. Robertson, Greenville; P. F.
Patton, Greenville; J. W. Norwoodt
Greenville; J. Thos. Arnold, Green
ville; Dr. B. F. Goodlett, Grenville;
J. 0. Wingo, Greenville; J. C. Cothran,
Greenville; W. H. Willimon, Green
ville; R. L. Hartley, Glenn Springs;
Z. F. Wright, Newberry; Dr. W. E.
Pelham, Newberry; F. H. Shirley,
Westminster; W. M. Brown, Wal
halla; H. F. Watson, Greenwood; A.
F. McKissick, Greenwood; J. Mack
King, Anderson; Arch B. Calvert,
Spartanburg; John M. Jenkins, Gaff.
ney; J. E. Sarratt, Gaffney; J. E.
Plaxico, Blacksburg; J. B. Humbert.
Laurens; J. B. Hitt, Laurens; J. C
Sample, Newberry; J. J. Vernon.
Spartanburg; H. Stribling, Spartan
burg; J. C. Cook, Lancaster; T. Y
Williams, Lancaster; John T. Stevens.
Kershaw, A. Patterson, Jr., Columbia;
W. A. Stevenson, Abbeville; W. T
Magill, Abbeville; M. H. Mundy, Ab
beville; James B. Craig, Pickens; J
M. Laurenis, Calhoun; J. L. Jeter
Union; B. F. Alston, Union; J. C
Mobley, Whitmire; Thos. W. Bond
Lesslie; John R. Hart, York; John T
Roddey, Rock Hill; R. E. Grabel
Gaffney; W. F. Timmons, Rock Hill
W. R. Bradford, Fort Mill; B. F
Ramseur, Blacksburg; W. C. Foster
Richiand.
Te Urge Rate Making Bureau.
Columbia.--"My position has been
that inasmuch as there is so much
complaint as to ratc making, it would
be but a proper step for the state tc
maintain a fire insurance rate making
bureau. I have carefully worked out
a plan along this line," said Gov.
Manning in a letter to James A. Co
field, well known insurance man o1
Spartanburg. The governor in his
letter presents his views on the fire*
insurance situation in South Carolina.
"As a matter of fact, the insurance
laws of South Carolina should be com
pletely revised and brought up to the
requirements of modern business
life," the governor continues.
Gov. Manning states that he will
make such recommendlatins to the
next general assembly as "will lead to
a satisfactory settlement of the di!
ficulty."
Big Timber Cargo For Aiiies.
Charleston. -- When the British
steamer Westbury sailed from here
with 1,500,000 feet of timber and
crossties, her cargo completed -a total
of about 7,000,000 of South Cariolina
grown and South Carolina salved tim.
ber that has passed through this port
consigned to the allies "somewhere
in Europe" in the last few months
pnd every thousand feet of thi tim
ber that has passed through -this ibort
ha. mean the expenditure of $18 t~o
$20; to total espenditure of. some
ting like $1,400,000.
~affdeiy to -Have County Ps yr
,AIey.-,Announcement sha been
l~~rliGeffey Chathibar 0tCom
~~ ~ Geffney will h~eve a two
f~i~ air -this yqdrK R, 10.
~ ~the Chamber' nth~oiierce
h i $tned .prelimi~ ,lans -and
v* funimittso' t,1 a'ke up
e-he dy Id exhibits will
a rJod j 4baeball park.
r~u ~fA~dlg$are to ,;be
~ 1 TP~ti~h~*fd wo;~0
NWEINO- SAY~
HIS WIFE
Stopped MWat Terrible Suf.
f in Getting Hertydia
73 lkhaln'sVegeta
ble Compound.
Denison, Texas.. ".After my little
irl was born two years ago I began suf
fering with female
trouble anjd 0ould
hardly do myWork.
I was very. nervous
but just kept drag.
ging on until I as t
summer when I got
where I could not do
my work. I would
have a chill every
day and hot flashes
and dizzy spells and
my head would al
most burst. I got where I was almost
a walking skeleton and life was a burden
to me until one day my husband's ste
sister told my hlusbih& if he did".not dO
something for me I would not last long
and told him to get your medicine. So he
got Lydia E. Plnkham's Vegetable Com.
pound for me, and after taking the first
three doses I began to improve. I con.
tinued Its use, and I have never had any
female trouble since. I feel that I owe
My life to you and your remedies. ''hey
did for me what doctors could not do
and I will always praise It wherever I
go."-Mrs. G. 0. LowURY, 419 W.Mon.
terey Street, Denison, Texas.
If you are suffering from any form of
female ills, get a bottle of Lydia
Pinkhamn's Vegetable Compound, and
commence the treatment without delay,
"Huntve oure" is guarantend to
torer ano rie h itI CM
Pounded for that urpose and
our money will ae promp~tly
de witout uest
,, nt's Oure fallto ure
toh ilaemaTreuto RIng Wolrmn
or any other Skin riaease. 500
tho oz.
For sale oy ail drug stores
or by mail from the
A. D, Richards Medicine Co., Sherman, TeX,
WHY NOTTRY POPHAM'S
ASTHMA MEDICINE
Gives Prompt and Positive Relief in Eviry
Case. Sold by Drug lste Price 61.00.
TrialPackage V a K& Zoo.
WILLIAMS MFG. C., Prop. Cleveland, S.
Imitation Pearls.
Clever imitation perls have been
made by filling thin glass bulbs with a
solution of fish scale nacre. Another
method is to coat the inside of the
glass bulbs with a 10 per cent gelatin
solution which i allowed to become
only partially dry before a small
amount of sodium phosphate is added,
then the drying Process is continued
slowly. The imitations look much like
genuilne pearls, but they can be detect.
ed b)y noting the place where the bulbs
have been sealed.
Going It Too Hard
We are inclined nowadays to "go
it too hard ;" to overwork, worry,
eat' and drink too much, and to
neglect our rest and sleep. This
fills the blood with uric acid. The
kidneys weaken and then it's a siege
of backache, dizzy, nervous spells,
rheumatic pains and distressing
urinary disorders. Don't wait for -
worse troubles. Strengthen the
kidneys. Use Doan's Kidney Pills.
A South Carolina Case
Robert G. Smith, 140
E. Lacey St., Chester,
down in health and
1 o a t weight a n d
strength until I was
in bad shape. I suf
fered constantly from
backache and other
annoying idney ahl
ed me until Itried
Doan's Kidney Pills.
Thoy cugend me, im
a d , increasing my t
D)OANS "I"zqu
FOSTsaJnW.5u3N co.. BUFFALO. N. y.
Every.Woman Wants
D e a waer E
pelvi catarh~aratin an ane
mad.. tee need byLdia M
A healing wonder for nasal tnh
throat and sore eye. Eeennicai~
DR. SALT ER'S EYN LOTION
SORI YE

xml | txt